Your Checking Account

Written by Terry Rigg

Checking accounts are an absolute necessity these days. You can either have a checking account or run torepparttar bank or other outlet for money orders. Many people pay for almost everything with a check including groceries, gas, clothes and a long list of other things. When you add an ATM card to this picture, your chances for a potential problem is greatly enhanced.

Don't get me wrong. There are many people that can keep their check book up to date, even deducting all ofrepparttar 144025 ATM advances and automatic withdrawals as they make them. However, too many people that write checks for everything wind up not entering a check when it is written or an ATM advance when it is made. The result is a bounced check fee of up to $25 forrepparttar 144026 bank and god only knows whatrepparttar 144027 store where you wroterepparttar 144028 check could charge you.

It seems like carrying cash to pay for things isn'trepparttar 144029 "IN" thing to do. When I'm inrepparttar 144030 check out line, most people are paying with a credit card, debit card, or check. I realize that carrying cash has it's risks. You could lose it or have it stolen. What arerepparttar 144031 risks when paying by check? There are absolutely none if you enter each check and properly deductrepparttar 144032 amount from your account. However, I have counseled people that have as much as $100 per month in overdraft fees. This isn't just for one month. This is an average over a six month period. That is a lot of money that these people couldn't afford.

What'srepparttar 144033 best way to handle my checking account?

If you don't have problems keeping up with your checking account, keep doing what you are doing.

If you occasionally have bounced checks, I recommend that you use your checking account only to pay your monthly bills and use cash for everything else. If you have an ATM card, destroy it.

With that said, I know you will probably not quit writing checks or destroy your ATM card. So let's look at what you need to do to keep up with your checking account.

Public Schools Can Waste 12 Years Of Your Child’s Life

Written by Joel Turtel

For over fifty years, public-school officials and politicians have tried one education fad after another. They have all failed. Children should not be turned into victims and educational guinea pigs by public-school authorities. Here's why public schools can waste 12 years of your children’s lives and destroy their love of learning:

1. These schools teach children to read withrepparttar whole-language method (now called "balanced-reading instruction"), which cripples children’s ability to read. That is why after 12 years, millions of graduating high-school students have poor reading skills, and some students can barely read their own diplomas.

2. Public schools teachrepparttar 144024 “new” or fuzzy math which can cripple a child’s ability to do math and destroy their self-confidence. A child who is afraid of math won’t haverepparttar 144025 confidence to pursue a career in science, computers, or engineering, thereby cutting them off from these rewarding careers.

3. Because these schools can cripple children’s ability to read, they must force children to read dumbed-down textbooks in English, History, and many other subjects. These textbooks are geared torepparttar 144026 slowest learners inrepparttar 144027 class and water-downrepparttar 144028 subject matter. These dumbed-down courses therefore waste children’s time.

4. Most “teaching” in public-schools consists of students having to memorize facts from dumbed-down textbooks, only to regurgitate these same facts on dumbed-down tests. John Holt, in his book, “How Children Fail” points out that most students forgetrepparttar 144029 facts they memorized within a few weeks afterrepparttar 144030 test. So most children learn little from their classes except how to cram their heads with useless facts which they soon forget. This goes on for 12 years.

5. Public schools force children to study subjects they hate, can’t do, will never use in their lives, or which bore them. For example, many schools force students to study geometry and trigonometry, French or another foreign language, or world history. Children should be studying subjects they love and are good at. When they have to study subjects that bore them,repparttar 144031 only thing children learn is to hate learning.

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