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Mom's Talk ... Join the Fun

New feature allows Sachem community mom's to comment and chat.

Moms Talk is a new feature on Sachem Patch that is part of a new initiative on our Patch sites to reach out to moms and families.

Sachem Patch invites you and your circle of friends to help build a community of support for mothers and their families right here in the Sachem community.

Each week in Moms Talk, our Moms Council of experts and smart moms take your questions, give advice and share solutions.

This week's discussion topic ... College talk: How are you advising your high school junior/senior on college selection?  Is community college an affordable and smart choice, or is taking out loans for the private college the way to go?
How do you feel about your children working and going to school? Are children today just doing too many activities to compete with their peers just to get into a good college of their choice?

Joseph E. Storzinger March 03, 2011 at 01:22 AM
The sooner you start saving for a child's education the better! Call my office to discuss your options. 631-617-6670
Theresa Oakes March 03, 2011 at 04:20 AM
My son is in first grade so like Jessica I have some time to think about these issues. Joe ~ I feel good I at least started a 529 for my son's education because the whole process can be overwhelming. As for Chris' questions, I can only speak from my own experience. Like Jessica I had one job or another from the time I was in 7th grade (delivering pennysaver weeklies) and sometimes two jobs plus I played sports for a few years. I did very well in high school so having a job didn't detract from my grades. I agree with Jessica that having a job taught me responsibility with money because if I wanted to do things I needed the money to pay for it. I will say that when it came time to apply for financial aid for college it was very upsetting that they expected me to contribute so much of the money I made at the part time jobs towards college expenses. I felt as if I was penalized for being responsible and working for things that I wanted. There were so many things wrong with assessing financial aid 20 years ago when I graduated and from what I hear the financial aid system is still screwy. But I have digressed from the questions. In terms of attending community college vs private colleges in an effort to save on loans, I say this is a very smart option and should be part of a plan of action. I think having kids apply to the schools they want to attend are a good start however you should have community college as an option. You would be surprised how much money you can save.
Theresa Oakes March 03, 2011 at 04:26 AM
I have said on previous article posts that I wanted to go to private schools but wound up attending Suffolk C.C. in Selden because it was a more affordable option. I later transferred to Hofstra and completed college in 3 1/2 years and came out owing only $16K in student loans while friends owed minimum of $40K. When it's time for my son to start thinking about college I will help him look at all viable options and choose the best option for him. In terms of him working, I too won't force him to work however I think it will be beneficial to him in so many ways. Since my pockets aren't deep he will probably have to work if he wants a car, has a girlfriend to pay for (that's another discussion) or wants (not needs) other things.
Jessica Leavey March 03, 2011 at 12:52 PM
I think community college is great- especially if the student is not sure what they want to major in. Get all the core classes out of the way for less $, and then go away to college to focus on the subjects that interest you. However I am realist and remember how much I wanted to get out of LI and be on my own. There is a lot to be said for the things you learn just by being away from your parents. The friends you make, the things you do, and the life lessons ( paying phone bill, managing money, time management) are all a very important part of growing up. So if my daughter is unsure, I might nudge her toward community college, but I will certainly support her if she'd like to go away. Not too far though !LOL
Joseph E. Storzinger March 03, 2011 at 04:00 PM
We can help with the calculations...How much to save into 529plan...How much to save outside 529plan for those cost that aren't consider qualified education expenses...Where to save those funds? Allocation of the savings in the 529plan? Are you using a state plan to get state deductions? These questions and more is how we help people. Everyone's situation IS different and we can tailor a plan for you. Let's meet to discuss... 631-617-6670

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