Ask the grumpies: HSA vs. 403(b)?

Leah asks:

Is it better to fund an HSA fully and put a bit less in 403(b) or maximize 403(b)? I can’t afford to fully fund both (nor fully fund the 403(b) period).

Standard disclaimers about seeing a real financial professional (not us) before making major financial decisions.

It is my understanding that in general the HSA is a better deal (assuming you’re not missing a 403b match!) because it is tax advantaged going in and taking it out and you can use it at any time (so long as it is for a health related purpose before age 65, and will only owe income taxes if you use it for non-health expenses after).  The 403(b) is only tax advantaged one way (going in if it’s traditional, and going out if it’s a Roth) and you have to wait to use it until you’re 59.5 if still employed or 55 if you leave the job then, or earlier if you’re willing to take “substantially equal payments”.

This is making the assumption that you will have health related expenses that you will use the HSA for, which is a pretty good assumption.  (I’m willing to bet that if we ever became so socialist as to move to government paid single-payer that the HSAs would automatically convert to IRAs.)

You probably wouldn’t want to put no money away for retirement, because in theory you would want to live off some of the 403(b) money too.  But the limits for the HSA are only $3,350 for individuals or $6,650 for families and the 403(b) allows $18K.  If you can only afford to put away $3,350, it might still be worth it to fund the HSA and not the 403(b) because healthcare problems don’t suddenly become free just because you’re lower income, especially with political threats to Medicaid going forward.  So that special case is difficult to decide.  If the HSA limit was higher, then there is a point in which you would want to fund the retirement account before the health savings account, but I’m not sure when that point would be.

Exception:  If you have employer matches, then put the money wherever it needs to go to max out the employer match first.

To sum:

  1. Fund 403(b) up to the employer match.
  2. Fund HSA.
  3. Fund remainder of the 403(b).

There may be an exception if either your HSA or your 403(b) has worse (read:  higher fee) funds than the other.  In that case you might want to stick with the better provider and ignore other considerations, other than the employer match which will still generally swamp any other concerns.

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Minor schooling freakout

We got DC1’s standardized test scores and zie had only gotten an 83% in 7th grade math (DC1 is currently in 6th grade, but because zie is in 7th grade math, zie took the 7th grade standardized math test).  This wouldn’t be a big deal, except one of their online pieces of material says that kids need at least 90% on the 7th grade standardized test to get into Algebra Honors (along with some other requirements that DC1 has), and if they don’t have that then they go into regular Algebra.  Also, Algebra will show up on their high school transcript and be included in their high school GPA no matter when they take it.

On top of that, we just found out that there was an advanced 6th grade Language Arts class that we’d had no idea about when we moved back from paradise.  DC1 has been in regular Language Arts which might partly explain why zie has been learning so little and never had homework.  Plus the last two grading periods (out of 10 grading periods), DC1’s Language Arts grades dropped just below 90 because zie had a brief period of time where zie was completely disorganized and had been having trouble getting things to the places they needed to be (this also showed up for one grading period in math and would have shown up in Orchestra except the teachers emailed us before it became a big enough problem to affect hir grade).   The problem here is that the online sheet talking about tracking into 7th grade basically said if you were in 6th grade advanced, then you’d be in 7th and if you were in 7th, then you would be in 8th.

So I freaked out and started worrying about the perils of acceleration potentially keeping my child from excelling later on (something I have never worried about before with DC1 because we’ve never had cause to worry– and in hir defense, at 10 zie is no more disorganized than most 12 year olds).  DH contacted the counselor to set up an appointment and he called back while we were out for a walk.

It turns out that all 6th graders in 7th grade advanced math get moved up to Algebra Honors regardless of their standardized test scores.  The requirement list is only for students going to Algebra in 8th grade or later.  Whew.

And the counselor looked at DC1’s transcript and said if those last two grading periods had been higher DC1 would have automatically been moved up to advanced 7th grade Language Arts, but since they were below 90, the automatic move wasn’t tripped.  (Though if zie had had those grades in advanced 6th grade Language Arts, then zie would have stayed in the advanced Language Arts track.)  He asked why DC1 wasn’t in 6th grade advanced Language Arts and DH said we’d moved back from out of state and we didn’t know to ask about it.  So the counselor said that because DC1 is in the G/T program and has high grades in advanced 7th grade math and has As in all of hir other classes for all of the grading periods and had high standardized test scores for reading that putting hir in advanced 7th grade Language Arts should not be a problem at all, scheduling conflicts permitting. (Since DC1’s requested schedule probably looks identical to a bunch of other students with academically-minded parents, it probably won’t be a problem.)

So… no reason to freak out at all.

Still, I was not thinking that things DC1 did at age 10 could end up on hir permanent transcript!  I hope Algebra goes well!  The math teacher for the honors classes is supposed to be awesome, so that’s hopeful.  Keyboarding and Spanish will also show up on the high school transcript.  It’s a strange new world we live in.

What’s the moral?  When you’re concerned about something, talk to the school!  They’re there to help (usually).  The other moral is that sometimes you have to ask about things you didn’t know you needed to ask about (like advanced classes… or the fact that there’s an online website where you can track your kids’ turned in home works that everyone else knew about because they were told in 5th grade).

And yes, I still think we made the right decision letting DC1 skip two grades.  But we’re also taking it a year at a time.

 

Being breadwinner

can be stressful

Right now #2 and I are both breadwinners of our respective family units.  In case you were wondering about #2, after her FIL died, her DH got very depressed and is taking a break from paid employment.  There’s probably a bit more than that, but it’s not my story to tell.

This isn’t the first time I’ve been the sole income of the family– if you recall, DH quit his tenure-track job without anything lined up, so for a few months we weren’t sure what our income situation was going to be like until he got employed.

One of the first things I’ve noticed about being breadwinner is that I feel the need to increase my income.  Asking for raises, getting grants, taking consulting opportunities, all of these seem to be more important now than when DH is also bringing in cash.  Getting my research done and out so that I can be more attractive should we need to move takes on greater urgency.

Combined with this, I let DH take on greater responsibilities at home.  We already have a pretty egalitarian household, and when DH isn’t earning, he starts taking care of more of the daily and weekly chores, especially kitchen stuff and chauffeuring.  And I feel less guilty about him doing so.  I imagine this is how some women get shunted into home production even when things start out equivalent.  I do spend more time on our finances when I’m the only one earning, but it doesn’t make up for the time I’m no longer spending on regular chores.

I do like having DH take care of things at home, but I also like the stress of not being the only person earning money.  I think I like it best when we’re both enjoying our jobs and earning a lot of money.  I would like it least if I disliked my job but had to keep my job because mine was the only income.  My next least favorite would be being the homemaker if DH was the sole breadwinner and hated his job.  I’m not sure how I would rate hating my job vs. being a homemaker if DH was happy with his job.  I guess it might depend on how easily I could find a new job in that situation.  I suspect that I would rather have each of us make 150K than have DH make 300K with me required to make nothing.  I might prefer making 300K myself and having DH at home to either scenario though.  (Note:  I am happy to test any of these three propositions!)  Smaller dollar amounts would probably lead to different preferred combinations.

As we’ve noted before, this time we’re in a better position than last time DH stopped bringing in income.  As I look through that old post discussing what to do with finances, I am happy that we don’t have to move so much around.  There’s no mortgage to stop prepayment on.  No private school to save tuition for, no mother’s helpers to pay (though we do have summer camp and daycare throughout the summer).  No IRAs to fund (though if DH’s jobless situation continues, I will be eligible to contribute again).  And we have a nice cash cushion.  My plan is to convert this cash cushion into tax-deferred savings (by continuing to max out my 403(b) and 457, even as we dip into savings) with the thought that doing so will make us more likely to be eligible for financial aid when DC1 goes off to college.

I also don’t know how long I am going to be the breadwinner.  DH’s company is supposed to be getting back on track in July, but i’s have not yet been dotted nor t’s crossed on the contract that will put the company back to work for the next couple of years.  We can wait, as can DH’s direct boss, but much of the rest of the company cannot afford to take more than one month unpaid.  If waiting for the contract lasts too long, the company might just go under and the contract will fall through entirely.  My bread-winning this time around may end up being longer term than we had hoped.

Have you ever been the sole breadwinner of a multiple-person household?  How do things change?  Do you feel stressed?  Do you have a family income combination that you prefer (breadwinner/homemaker/dual-income, etc)?

A let’s prevent the AHCA link-love (Also cute animal pics and other links.)

ACHA vote THIS WEEK. THIS WEEK.  More info hereCall/protest/etc. even if you’ve already called and protested and etc.

Explanation of estimated deaths from the AHCA.

How the AHCA will cause Veterans to lose health care coverage by state.

Add an amendment making sure you personally get to keep reasonable health care coverage to the AHCA amendment process. More explanation here in this thread on how it works— it is not a silver bullet, but if we get to this point it will shed light.

RNC voter data leak

Economics and policy in the age of Trump

#1 notes that socialism is not incompatible with capitalism, and in some people’s views is an improved version of capitalism!  (If you’re using economic theories of capitalism– political scientists are probably using different jargon.)

Learning to read as an adult changes deep regions in the brain

Mrs. Comet Hunter ramps up summer

Why have teenagers stopped getting summer jobs?

Adventures in downsizing

Cat domination

marker

soft

 

Ask the grumpies: Dual-language neighborhood school vs. Gifted school

Azma asks:

I’m curious to know what you’d do in my situation. I live in the outer boroughs of NYC in a diverse, urban neighborhood with decent (but not great) public schools. My 5 year old got a spot in a dual language program (Spanish/ English) at our zoned school. He also tested very highly on the city gifted and talented test with minimal prep and got into an excellent program several neighborhoods away (he’d take a school bus to get there). There’s been a huge push in our neighborhood to convince educated, middle class families (like us) to keep their kids in the neighborhood schools. Many have historically sent their kids to charters, g&t programs, or private schools. We love the g&t program our kid has a spot in, but we also love our neighborhood and worry that we’re contributing to NYC’s problematic school segregation problems. What would you do in our place?

Right or wrong, I always put my kids ahead of general social spillovers.  So I try to decide what is best for them first, and worry about the ripple effects as a secondary concern.  Not that I ignore spillovers, but the spillovers would have to be larger than they are in this case and I would have to know for certain that the spillovers from removing my child from the district were negative.

What I mean by knowing for certain that they are negative– while we do know that having higher SES kids is good for schools (and having kids whose families have domestic violence is bad for schools) and many other network effects, the benefits to having gifted kids are not as clear-cut.  That is, it isn’t always clear that keeping a gifted kid in a non-gifted school is actually better for the school. Gifted kids are special needs and as such tend to draw resources, act up if their intellectual needs aren’t being met, etc.  The same isn’t true of kids who are high achieving but not gifted– they are more likely to provide positive spillovers. So most of the studies that find beneficial effects of, for example, cooperative learning, remove gifted kids from their experiments.

Still, worrying about neighborhood schools is still a really valid concern, and there are things you can do about that even if you don’t send your child there, *even if you don’t have kids*.  Personally, I donate a lot of money to education-related charities.  Donors Choose is a big favorite of mine. Using Donors Choose, I can also pick districts that have greater needs than the one we’re zoned in, which has even more positive effects than would donating to our relatively well-off district.  Before I had children, I supported schools more than I do now because I had lots of time to volunteer and could tutor in low income urban districts.

All of this is an argument to say, take that spillover concern out of your calculus right now.  If you’re worried about the school, there are ways you can have a bigger more positive impact than you would by sending your child there.

That doesn’t mean that you should automatically choose the G/T school, of course.  There are lots of things to think about when making your decision that only you and your family can place weights on.

  • If you feel you’ve made a mistake with either choice, how easy it is to switch?
  • How do you feel about the administration and teaching at both schools?  Do they seem willing to work with parents?
  • If you’ve visited the schools, do the kids seem happy and not acting up?
  • How will the school schedule work with your work-life?  Are there after school programs?  What happens if your child misses the bus or wants to do an after school activity?
  • How strongly do you feel about foreign language acquisition and are there other ways to get it?
  • How do you feel about the curriculum at both scohols?

If you love the G/T school I would be very tempted to stay with it.  From folks I’ve talked with, dual-language is great for keeping GT kids occupied until 2nd or 3rd grade and then they start needing more acceleration.  Hopefully that would not be a problem at the G/T school.  On the other hand, the G/T schools in the city closest to us have a reputation for not actually being very good for G/T– their main purposes is for white parents to segregate their kids without paying 40K/year for private school, which means that they’re not actually geared towards G/T.  That’s not true everywhere, and is probably not true in NYC given how competitive the testing is, but I don’t know for sure.

Here’s a related question from jlp back in 2014!  And here’s one from Sarah back in 2015.

Grumpy Nation, what have we missed?  What elements would you put on your list to help with decision-making?

 

An urgent email from Indivisible re: AHCA

The following is an email from Indivisible

Just as a preface: we don’t normally send “Help! The house is on fire!” emails like this because they can seem fake and alarmist. But we feel the tone of this email accurately represents how dire the TrumpCare situation is right now. Forgive the urgency—we promise to do this rarely.

What’s in this “new” TrumpCare bill.

After weeks of total secrecy, this morning Senate Majority Leader Mitch McConnell released the Senate TrumpCare bill. And what a cruel, ugly bill it is. It destroys Medicaid, it increases health costs for the middle-class families, it cuts coverage for pre-existing conditions, it eliminates funding for Planned Parenthood…and it does this all in order to green-light a massive tax cut for millionaires and billionaires. Oh, and it will likely get worse once it gets to the Senate floor.

But this isn’t over yet. Senate Republicans don’t have the votes…not yet. We have time to fight back, and it doesn’t matter if you have a Republican or Democratic Senator—you are needed in this fight. Here’s how to fight back.

People don’t realize how dire this is. We’re trying to get the word out to amp up public pressure on Congress NOW by launching a digital campaign to turn out more people against TrumpCare. Join us.
 Increase the pressure today 

How the TrumpCare fight will play out

Senate Republicans have promised a vote by the end of next week. But there are still several steps between now and passage of TrumpCare. Here’s how the former congressional staff at Indivisible Team think the fight will unfurl:

  • Tomorrow, we’ll get a Congressional Budget Office (CBO) score, which will quantify exactly how many millions of Americans will be screwed by this bill and in what ways.
  • On Monday or Tuesday, Republicans will officially announce the vote is happening by the end of the week and start debate on “the bill,” which is just a draft bill intended to make it look like they’re being transparent but in reality is a trick to hide just how awful their finished product will be.
  • Over the next couple days, Senators will submit amendments, most of which will fail and none of which would make this bill redeemable.
  • On Thursday, the Senate will plan to vote on the legislation, but first they will vote on all submitted amendments (known as “vote-a-rama”).
  • At the last possible minute, Senate Republicans will replace the entire bill they just got finished “debating” with an alternative TrumpCare bill secretly crafted behind closed doors.
  • By the end of Thursday, there will be a final vote in the Senate.
  • As soon as that same Thursday, the House may then pass the legislation and send it to Trump to sign. This could take longer, but this is the worst case scenario and quite possible.
  • Next weekend, one week of congressional recess begins. They’ll either have the bill done by then, or they’ll have to wait another week.

Throughout this process there will be precisely zero public hearings in the Senate. Make no mistake, this is a historically partisan, secretive, and undemocratic process for one of the most consequential pieces of legislation of our generation. This is atrocious.

So let’s fight it. All you need to pressure your Republican Senators, including DAILY scripts and new materials, is on our TrumpCareTen.org website. Need more background materials? We’ve got ‘em for you here. It’s critical that you’re showing up and that when you’re not showing up, you’re calling your Senators every single day.

TrumpCare Facebook Live tonight!

Join Indivisible for a special Facebook Live TONIGHT at 8:30pm ET. We’ll give an update on where the legislation stands and answer your TrumpCare questions.

Don’t like this TrumpCare bill? Help us amend it ASAP

Got a Democratic Senator? You’ve still got work to do. As mentioned above, one of the final stages of the TrumpCare bill is a little-known process known as “vote-a-rama” where ANY Senator can submit as many amendments as he or she wants. And here’s the thing: EVERY amendment takes time to be introduced and voted on. We’re collecting THOUSANDS of amendments and submitting them directly to Senate staff.

Please please please: submit your amendments here, and get your friends and family members to submit amendments. We know this is working already. Senators are reading these amendments on the Senate floor. But we need thousands more.

This is about applying your constituent power directly to the process. This tactic can delay the bill and make it more politically painful for Republicans to move forward. It’s not a silver bullet- McConnell and Senate Republicans can still blow up Senate rules and cut off the amendment process. But to do that they’ll have to go on the record literally silencing the victims of TrumpCare in their own states, which they really don’t want to visibly do.

We’re amping up the pressure, giving us money will help

Here’s the hard truth: McConnell’s strategy of secrecy is working. National and local press aren’t covering the TrumpCare fight, so fewer people know about it. That means there’s less public pressure on Congress, and it’s easier for Senate Republicans to move forward. If we drag this TrumpCare bill out into the light, it will rot. That’s our job right now.

We’re trying to get the word out ASAP. We’re running a comprehensive digital ad campaign around the country that’s reaching new people and producing roughly 1 new amendment through our amendment tool for every 10 cents we spend. This rate of reach is ridiculously effective and efficient—it’s a rate almost unheard of in the digital marketing space. But we need help getting the message out, and this costs money. Every dollar we raise over the next 24 hours—up to $25,000—will go toward digital ads to turn out more people and to our social media staff to focus on stopping TrumpCare.

We want EVERYBODY rising up to kill this TrumpCare bill. To do that, we need to invest more in our anti-TrumpCare outreach work NOW. If you want more people in this fight, please donate. $15, $28, $50—any amount will help us reach new folks. We’ll be expanding our reach DIRECTLY in response to your donations.

We are under no illusions that victory is assured here, but victory is possible. Every member of Congress voting on this bill will eventually have to get your vote to be reelected. That’s the source of your constituent power. That’s what makes them responsive to pressure. Remember in March when Paul Ryan embarrassingly called off his first TrumpCare vote? That happened because of public pressure. That happened because of you.

We’re not going down without a fight. Let’s stand stand indivisible again. Let’s win this.

In solidarity,

Ezra Levin
Co-Executive Director, Indivisible

 


www.indivisibleguide.com | Donate

How to keep a gifted kid challenged

The other day wandering scientist talked about the difficulties of keeping a gifted elementary schooler challenged.  That inspired me to write this post and also to ask the Grumpy Nation for suggestions.   These suggestions aren’t tailored to Wandering Scientist’s kid– they’re a bit more general given that there’s lots of individual differences in circumstances and interests.

At school

The first suggestion is to ask the school for help.  This will not always work– it is very school dependent.  #2 and I grew up as tracking was going out of fashion and our parents had an extremely uphill battle trying to get the schools to make any accommodations.  DH and I have not had as much trouble, although part of that stems from us so far avoiding working with the high SES K-4 schools that have refused to accommodate our friends’ children (we sent DC1 to private school and the dual language programs are not in the high SES zones).  The private school we sent DC1 to tested and anticipated our needs and made suggestions to us for keeping DC1 engaged.  The middle schools here have been very helpful when we’ve asked for help.  One of the main suggestions when talking with schools is to avoid at all costs saying that your child is bored– instead say that the child needs more challenge.

What schools can do will vary on the district, the school, and sometimes even the teacher. We talk more about options with a few links to research and books in this post here.

Single-subject acceleration allows children to stay with their same peers but to spend part of the day, usually during Reading and/or Math in a classroom a year older.  I did a lot of single-subject acceleration for math and/or reading when it was offered as a child (it varied by school and by year) and always enjoyed it.  DC1 did single-subject acceleration in K, going to 1st for math and English and is currently doing single-subject acceleration for math, though because 30-40 other kids in his grade are doing it as well, there are only same-grade level kids in hir class.

Whole-grade acceleration, in which the child skips a full grade, is another option.  DC1 has technically skipped two grades– zie entered K early, then did K and 1 at the same time, effectively skipping 1st grade.

Classroom differentiation is fantastic for students if teachers can pull it off.  Teaching Gifted Kids in Today’s Classroom (an update from Teaching Gifted Kids in the Regular Classroom) is a great resource for teachers.  Great teachers can give the same project assignments but have some kids dig deeper than others.  They can also do things like set up stations for independent learning at various times.  For teachers who aren’t as comfortable with differentiating, you can still talk with the teacher and come up with things that your child can do if zie finishes tasks early.  This could be something as simple as allowing the child to read a book of his or her choosing, or could include more complicated work.  Often teachers have various kinds of fun logic puzzle worksheets they can give out as a first pass and today’s schools often have purchased software that can be used for individual learning.  We talk about some options for additional work below.

Gifted pull-out is better than nothing.  We’ve been less than impressed with it and the research is kind of meh on it.  I assume how it is done is important– I like to think my students got something out of it when I did pull-out math for fourth graders (especially the lesson on adding in different bases!), but who knows.

Outside of school

Enrichment outside of school doesn’t do anything about the “bored at school” problem, but it can help after school and on weekends.

After school activities will vary by what’s in your area.  These were great for us in paradise because they were held at school and effectively extended the school day allowing us to get more work done before DC1 got home.  Where we live now, they require chauffeuring which is a pretty big drain on our time.  Still, playing a musical instrument, learning a new language, doing a sport, art class, academic competition, and so on can allow a gifted child to experience challenges and growth that zie is lacking from school, especially if allowed to learn at hir own pace.  Challenges are especially important for gifted kids so that when they hit an academic wall for the first time they don’t give up.  Classes like robotics, drama, math circle, etc. can also be fun.  Some tutoring programs will also have programs for gifted kids or on topics not taught at school.

At home

Workbooks

At the #1 household, we are big fans of workbooks.  My sister and I grew up doing workbooks and I learned a lot from them.  DC1 has been doing them since zie was 3 (mostly on the weekends and holiday breaks) because zie desperately needed at least an hour of mental stimulation (along with at least an hour of exercise) or zie would be literally bouncing off walls.

There are a couple of directions you can go with workbooks.  First, you can accelerate– introduce knowledge that won’t be introduced until later that year or in future years.  Acceleration is especially useful (in my opinion) for mastering basic materials that are the building blocks of more complicated learning (phonics, addition, etc.) and for when you’re not sure that your student will be getting foundational material in school (because of grade skipping, school absences, poor teaching, or changing school districts).

For acceleration, we really like the Brain Quest series which cover K-6 and now also have special summer workbooks.  DC1 worked through grades K-6, and DC2 is currently on their Grade 2 (also we’re concurrently doing the Summer between Grades 1 and 2 book).  Scholastic also often has great workbooks available for sale, but their stock seems to vary a lot.

The second thing that you can do is go deeper and/or sideways.

I strongly believe that learning math different ways is important.  So we can cover the same basic material and will do it traditionally in school and in the Brainquest workbook, but will do it from another direction using the Singapore math books (Singapore math link not an affiliate link– they’re not really available on Amazon).  If your school uses Singapore math, then you could instead supplement with more traditional US math.  Again, DC1 went through K-8 in Singapore math and DC2 is currently on grade 2A.  The material is the same for each grade, following essentially the common core, but the methods and what is emphasized in the two curricula are different.  My children will be learning different ways to get the same answer and thus gaining a deeper understanding of how the number system works.

For more challenge, I cannot say enough good things about Glenn Ellison’s Hard Math for Elementary Students.  It’s best if you get the textbook, workbook, and solutions (3 books).  We’ve had DC1 go through the workbook twice over a 3 year period with a break in between.   We’ve also done a few of the Zaccaro challenge books and they’re ok, but they’re not as good.  We never finished going through the Flashkids Math for the Gifted Student books I got, so I can’t recommend them at all.  Sometime next week we’ll start Hard Math for Middle School Students which finally has a workbook to go with the textbook (solutions without hints are in the back of the workbook, so there’s no separate solutions book).

For just plain deep and sideways math fun (without workbooks) get used copies of Martin Gardner’s Aha! and Gotcha!  They’re even better than Math for Smarty PantsFamily Math is popular for younger kids (we have it but nobody really got into it, but lots of people recommend it).

I don’t have as many recommendations for workbooks outside of math, so I look forward to people’s suggestions.  We are going through Spectrum Writing Grade 7, but that’s more of a remedial thing than acceleration or depth.  We like it.

Online

Just like with Workbooks, you can go accelerated vs. deep/sideways with online programs.

Khan Academy is the easiest way to accelerate (or review!).  It is also a popular way for teachers to deal with kids who get their work done early.  DC1 finished K-8 math in Paradise as a 5th grader (though they have since added some sections).  I would say zie didn’t really master 7th and 8th grade math via Khan Academy, but it did help DC1 skip 6th grade math by passing the relevant exam when zie got back to where we normally live.

Some schools will also have access to a fun (but expensive) program called ST Math that lets kids go sideways or deep on math.   I’m not sure it’s worth buying yourself for $200 for a one-year subscription (though there are discounts available online for home schoolers), but maybe.

Your school may have purchased other online programs that you can access from home– they’re worth checking out.

Less expensive and just as fun (though not as extensive) are Dragon Box products.  We loved Dragon Box Algebra and Dragon Box Geometry (called Elements).  Even DC2 (almost age 5) can do some of the earlier puzzles.  These are well worth the $5-$8 they cost as apps.  (I stayed up late one night finishing up Elements myself– it was pretty addicting.)

Reading

There are lots of great books for kids, fiction and non-fiction.  Kids can also enjoy some books for grownups.

DCs this summer

This summer our 10 year old is doing:

2 weeks regular daycamp (canoeing, archery, etc.), playdates with friends, 1 week game design (got permission even though zie is younger than the limit), 1 week grammar and flow daycamp, 1 week electronics daycamp, 1 week orchestra camp, 2 weeks math daycamp.  Some of these daycamps are half-day only, some are 9:30-3:30, give or take.  Some weeks we signed up for before/after care, some weeks we didn’t.  1 30 min piano lesson each week, 1 30 min violin lesson each week.

Each day:  1 page hard math workbook, 1 page writing workbook, 15 min piano, 30 min violin (it had been 15 min violin, but his violin teacher insisted on upping it), typing (required class for middle school that can be taken over the summer, finished last weekend), Stata (finished the basics last weekend), 1 hour video games (optional), rest of the time is free unless zie is needed for household chores.  On weekends there is unlimited video game time.  Zie has been spending free time reading, creating games, modifying already existing games, playing games, and writing.

Our 4/5 year old is doing:

Preschool, 1 week of children’s museum daycamp (when the preschool was on break), 1 15 min piano lesson each week, 1 30 min swimming lesson each week.

Each day:  5 min piano practicing, on weekends and when zie requests it or is bouncing off the walls 1 page Singapore math and 2 pages Brainquest (1 math, 1 reading or science or social studies) either from the regular book or the summer book.  Zie has been spending free time reading, playing with toys, doing The Magic School Bus science kit with DH, playing games, watching shows on amazon.

I was a bit surprised when I googled “how to keep a gifted kid challenged” how little concrete advice there was in the first couple of pages of results.  The advice that is there seems to be pretty contradictory (praise vs. don’t praise, let them decide vs. remember you’re the grown-up, etc. etc. etc.).  So, grumpy nation, I’m asking you, what concrete recommendations do you have for keeping a gifted kid challenged?  Any specific programs, books, materials?  What did you do as a kid?  What do you do for your kids (if applicable)?