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What are the benefits of sending a child to a traditional summer camp? Should you select a summer day camp or an overnight summer camp?

Positive summer day camp or overnight summer camp experiences can be of tremendous benefit to your child’s development. While at a traditional summer camp, either a summer day camp or overnight summer camp, children learn about themselves, learn to be more independent, are expected to live up to expectations and help out younger campers.

A good traditional summer camp program can help increase a child’s self-esteem, teach them respect for others, enable them to learn self-respect and also learn tolerance of others. Living in a group situation, as in an overnight summer camp, campers learn to accept differences such as race, religious beliefs and cultural differences. Both types of traditional summer camps offer benefits that will help your children grow and mature and broaden their horizons.

When you receive a traditional summer camp’s brochure, you will invariably have questions for the camp director about the camp philosophy as well as that of the director. From that first phone call and/or visit to the web site, you begin developing an impression of what a particular traditional summer camp is like and how it’s run.

A traditional summer camp may be described in nothing less than glowing terms in its brochures. The setting can be absolutely breathtaking. Activities offered by the camp may run the gamut from racquetball to modern dance. In the end, however, it’s the human equation of how those activities are operated and conducted that determines the quality of the summer day camp or overnight summer camp program. Remember the marketing materials for traditional summer camps are designed to make you want to send your child there!

Get to know the camp director as a person through telephone conversations, correspondence and if possible, a personal visit. Have the director describe the camp’s philosophy and how it is carried out by the staff. Find out if you have the option of sending your child for summer day camp or overnight summer camp. Ask how many years the director has been at that camp and also find out the total number of years he or she has worked as a traditional summer camp director.

How Much Is It Going To Cost?

One of the biggest questions facing parents when they consider sending a child to a traditional summer camp is the cost. The cost of a traditional summer camp, whether a summer day camp or overnight summer camp, can be substantial especially if there is more than camp-age child. American Camping Association accredited overnight summer camps and summer day camps offer price ranges to fit every budget. While not always the case, if a non-traditional summer camp is designed for a very specialized group of campers, it may be more expensive than traditional summer camps, which are also often called adventure camps.

The cost of a traditional summer camp per week will probably also figure into how many weeks of summer day camp or overnight summer camp your child(ren) will attend. The American Camping Association reports the among its accredited camps, both summer day camps and overnight summer camps, the prices for a week of summer day camp or overnight summer camp ranges from $75 per week to $650 per week.

There are some ways to save money, even if it is not obvious from reading the camp brochure or visiting the camp’s website.

The first question you should ask is whether or not financial assistance is available to help subsidize the tuition costs. It’s not uncommon for all kinds of summer day camps and overnight summer camps to set aside a certain number of spots for families who might not otherwise be able to afford to send their child to traditional summer camp. If they don’t offer to subsidize the full cost of the camp session, they may pay part of it.

Although scholarships for traditional summer camp programs are usually available on the basis of need, there may be extra unclaimed subsidized spots which the camp will allow your child to fill. You won’t know, though, unless you ask. If you are hoping to receive a scholarship or other type of financial assistance, it’s a good idea to apply early before all the slots are taken.

Another way to save on the cost of traditional summer camp is to find out if special discounts are available. Often summer day camps or overnight summer camps will offer a discounted tuition price for early registration, for siblings attending the same camp, or for signing your child up for a particular session of the summer camp program. Again, if you don’t ask, you won’t know what your options are.

What is included in the tuition cost?

Typically, transportation is included as part of the cost for summer day camps. Resident or overnight summer camps may offer transportation from a central location or may require the campers to be delivered to the campground. If the overnight summer camp program includes trips, movies, laundry service, snack bar, special equipment or other costs, find out if they are included in the cost, if your need to pay a separate additional fee, or if you should send extra money with your child to camp.

What is the refund policy?

Refund policies vary greatly from camp to camp. Some refunds cover only illness of the child, while some will give a total refund if it is requested prior to a certain date. Some camps may return all but a registration or administrative fee and some may not offer refunds at all.

What is the camp’s philosophy and program emphasis?

Each traditional summer camp has its own method of constructing programs based on its philosophy. Does it complement your own parenting philosophy? Are the activities at the summer day camp or overnight summer camp of interest to your child? Many traditional summer camps actively promote competition and healthy rivalry among camp teams, as reflected in team sports. For many campers this is pure fun. Some parents feel that learning to be competitive at an early age teaches essential survival skills. However, other parents and educators are in favor of cooperative learning. Research has shown that noncompetitive methods encourage young people to learn more, retain it longer, and develop greater self-esteem and appreciation for others. Knowing your child’s personality and style of learning is valuable in selecting the right summer day camp or overnight summer camp.

What is the camp director’s background?

American Camping Association (ACA) minimum standards recommend directors possess a bachelor’s degree, have completed in-service training within the past three years, and have at least 16 weeks of camp administrative experience before assuming the responsibilities of director.

What training do counselors receive?

At a minimum, camp staff should be trained in safety regulations, emergency procedures and communication, behavior management techniques, child abuse prevention, appropriate staff and camper behavior, and specific procedures for supervision. Often traditional summer camp counselors are college students working toward degrees in various sports-related and human services fields.

What is the counselor-to-camper ratio?

ACA standards require different ratios for varying ages and special needs. Generally, the ratios at overnight summer camps range from one staff for every six campers ages 7 and 8; one staff for every eight campers ages 9 to 14; and one staff for every 10 campers ages 15 to 17. At day camps the ratios range from one staff for every eight campers ages 6 to 8; one staff for every 10 campers ages 9 to 14; and one staff for every 12 campers ages 15 to 17.

What are the ages of the counselors?

ACA standards recommend that 80 percent or more of the counseling/program staff be at least 18 years old. Staff must be at least 16 years old and be at least two years older than the campers with whom they work.

The number and types of programs a particular traditional summer camp offers may also impact the ages of the counselors. Academic camps and other specialty camps may require camp counselors to have a particular level of education or number of years of experience or training.

What percentage of the counselors returned from last year?

Most traditional summer camps have from 40-60 percent returning staff. If the rate is lower, find out the reasons why there isn’t a higher number of staff who return to work at the camp each year.

How are behavioral and disciplinary problems handled?

Are the behavioral expectations clearly laid out and available to campers in advance? They should also be reviewed with the campers on the first day of camp. It’s also important to know the disciplinary steps that will be taken for violation of the rules.

What is the style and personality of the camp director? How much authority do the camp counselors have? These are all important questions to ask because you want to be sure the camp behavior standards and disciplinary policies are a good fit for your child and your family.

What if a child becomes ill, is injured or has a special need?

Find out if trained medical personnel are resident in the camp at all times, especially overnight summer camps. A nurse or other medical professional will be able to tell if an injury is serious and requires more intensive medical attention. You’ll want a professional available if a child becomes ill or needs medical attention in the middle of the night.

If your child has allergies or is insulin-dependent, there should be a designated place for the medication to be stored in a locked container. It should be administered only by trained staff. If your child requires a special diet, find out if the camp is able or willing to accommodate their dietary needs. The wrong answer to any of these considerations can be potentially life-threatening.

Even a child who has slept away from home in the past may become homesick, or simply have trouble adjusting to the overnight summer camp during the first few days. Find out from the director how homesickness is handled by the staff and let your child know what their recourse is if they feel lonely or have trouble adjusting.

Is the camp American Camp Association accredited? Why or why not?

American Camp Association accredited camps undergo extensive scrutiny and must meet very high standards to be accredited. Accreditation reviewers ask over 300 questions about the camp and staff including essential health and safety issues, program quality and the camp’s overall operation and functioning.

What about camp references?

Every summer day camp or overnight summer camp will sound like a dream when you read the brochure or visit the website. Ask the director to provide you with a list of references including past campers and counselors to check the camp’s reputation.

The information in this article was provided to you by William Lawrence Camp, a summer camp for boys in New Hampshire. To find out more about summer camps, please visit http://www.wlcamp.org.

If you’d like to speak with someone directly, you may also call us 603-569-3698. We’re happy to help you answer any questions about summer camp you may have.

Children are becoming more like shorter adults as time goes on. They have cell phone, computers, busy schedules and they are also very expensive at times. When you have a child that plays sports, there are quite a few tricks to keep them (and you) on top of your game.

First and foremost, do not allow your child to become a prisoner of their own schedules. Most children cannot handle and do not want to be a part of seven different activities each week. At times this can be from the parents trying to mold their children into something they themselves were unable to accomplish as children or even as adults. Allow your child to express their interests in which sports they would like o be a part of and choose the ones they have talent in or enjoy playing and that fit well into their schedules. Once they are enrolled in the activities it is vital to ensure their needs are being met physically. This means going to bed at a reasonable hour and eating a healthy diet of foods necessary to fuel their sports playing.

Next is time management, what you teach your child as far as how to manage their day when they are young will stick with them for years and as they are adults. If you are always late, it will either annoy your child and they will become someone who is always early or they too will be people that are always late. Do not allow your child to sing up for a team sport and arrive late or miss practices or games as it is not only rude, but the child will not gain the same amount of skill that the others do. It is important to teach your child that what they commit to in sports or anything is life is something they should always follow through with and finish. Allowing them to miss events will only set them for more behavior to miss classes in college and find it completely acceptable, which then leads to missing work and overall becoming a very unstable adult.

While participating in the sports always be sure to encourage your child and not push them. When a parent becomes overbearing toward the child during sports, it gets inside the child’s mind and distracts them from what they are trying to do. It can also be embarrassing to them with their peers close by. Do note ever yell or shout at your child during any sporting events as the consequences can be very damaging. Instead, always smile and they know they can come to you if they need to. Save the criticisms for the ride home and not in a public place that may upset your child. Whether your child is great athlete or not, allowing them to participate in team sports is healthy and a great way to build a well rounded adult in the future. Always be positive and with that kind of support they can achieve anything.

Jesus likes to hike and backpack. He reviews different camping equipment. He has a website where he writes about light weight sleeping bags and two person sleeping bags.

Florida health insurance companies are now feeling the effects of the increased price transparency that the Internet brings. Now longer is it a process of days or even weeks to obtain multiple health insurance quotes from top Florida health insurance companies. The simplest and most efficient way to obtain health insurance in Florida is simply to make the top health insurance companies in the state (Golden Rule/United Healthcare, Aetna, and Humana) compete for your business!

If you cringe at the thought of a United Healthcare agent, an Aetna agent, and a Humana agent all clustering around you amongst a swarm of other Florida health insurance agents and trying to push their company’s policy upon you then read on; for health insurance shopping on the Internet has simplified everything. There are numerous Florida health insurance websites that offer Florida health insurance quotes but there are quite a few very important distinctions between the different types.

There are two main types of websites that offer Florida health insurance quotes to Florida health insurance shoppers: Marketing Organizations and Insurance Agencies.

Marketing Organizations do not sell insurance, are not regulated by any insurance department, and generally have no knowledge whatsoever concerning Florida health insurance. However, they can offer consumers a somewhat appealing service. How can they assist in purchasing health insurance?

They act as a middleman between Florida health insurance shoppers and Florida health insurance agents. When Mrs. Smith in Tampa, FL requests a health insurance quote then the marketing company sells her information as a lead to 5 or more Florida insurance agents.

Ignoring the privacy issues and the issue of the qualifications of the health insurance agents that will be purchasing your information there is the larger and more practical issue of do you really want to have 5+ insurance agents aggressively seeking your business?

Imagine that each health insurance agent is taught in their sales training to call you at least 5 times and email you at least 3 times before “giving up” on you as an insurance prospect: that means that you have received 25 phone calls and 15 emails from various insurance agents!

The second type of website that offers Florida health insurance quotes is the website that is run by an insurance agency (note that it is very important to find only an independent Florida insurance agency – meaning an agency that is not tied to working with only one health insurance company but can show you health insurance quotes from all of the top Florida health insurance companies. This is also why we will ignore the quasi third group of websites that offer Florida health insurance quotes: the health insurance carrier websites themselves. These can be a good service but very time consuming. There is a better way to shop for Florida health insurance. Read on-).

Most independent insurance agency websites offer a feature that will allow you to request Florida health insurance quotes. However, there is a much better way to shop for Florida health insurance! Rather than waiting for your request for health insurance quotes to be filled; look for a website that offers instant and LIVE Florida health insurance quotes from top Florida health insurance companies.

With instant LIVE Florida health insurance quotes you have the best of both worlds: you receive the benefits of competitive pricing by viewing the top Florida health insurance companies quotes side by side (the strong point of the marketing organization website model) as well as personal, expert help (the strong point of the insurance agency website model). Not to mention the added benefit of viewing the health insurance quotes from the different health insurance companies in the same format – enabling easy side by side comparisons of benefits. This allows for a true “apples to apples” comparison.

View up to 20 LIVE Florida health insurance quotes from top Florida health insurance companies like Aetna, Humana and Golden Rule/United Healthcare all in less than 20 seconds! View LIVE Florida health insurance quotes now and take advantage of the Internet’s price transparency!

Get free health insurance quotes by comparing all of the top health insurance plans in your zip code – in less time than it takes to brush your teeth!

Comparison shop multiple insurance companies instantly and in real time by viewing free Florida health insurance quotes: Aetna, Humana, United Healthcare and more.

There’s an old saying: “If you want to know what’s really going on, follow the money trail.”

If you do not understand money, banking and finance, you cannot really understand politics. For the motivation of politics and politicians is ultimately the accumulation of money and resources. Money and resources = power.

Many people object to this statement. One of my clients said, “I grew up in the 60′s during the civil rights movement. That was a purely political and altruistic agenda that had nothing to do with money.”

In the 1960′s however, the United States was unquestionably the world’s greatest economic power. Our currency was strong. When you are abundant and strong, you feel magnanimous. In 2007, our economy is weak, our debt is high and our currency is declining. The current corrupt and mean-spirited political environment is a reflection of our country’s declining economic status.

The OMB predicts that by the year 2012, the national debt of the United States will be 11.466 trillion dollars. This figure does NOT account for unfunded liabilities like Social Security.

The total amount of dollar denominated debt (including unregistered derivatives securities) worldwide has been estimated at 1.2 quadrillion dollars. That’s right folks. 1.2 quadrillion. The dollar has been hyper-inflated on a planetary scale.

How has this happened? To understand that, you have to understand how money is created and manipulated. A great place to start is to read the book called “The Creature From Jekyll Island.

The money we use is monetized debt. It has no value whatsoever. Today, money is not backed by anything tangible, other than the “full faith and credit of the United States.” What does that mean? It means the future work, sweat and productivity of the American people.

It is a startling fact that if all dollar denominated loans and debts were paid off, all of our money would disappear. Therefore, even if Congress wanted to pay off the national debt, it could not do so without destroying the economy!

Look at the top of any bill of any denomination, and you will find “Federal Reserve Note.” Do you know what a note is? It is a promise to pay, a certificate of debt. The money we use are just a fancy IOU’s. Unfortunately, the Fed, in cooperation with Congress, has played fast and loose with our currency. When you discover how money is created, you will understand the truth of this statement: “Money DOES grow on trees.” Those who control the creation of money control the economy, and the lives of everyone in the nation. Economic cycles of boom and bust are not natural economic occurrences, but artificially created conditions due to the manipulation of the money supply.

Did you know that legal tender laws FORCE Americans to use Federal Reserve Notes? Look on the left hand side of the bill: “This note is legal tender for all debts, public and private.” It is illegal in the United States to use gold or silver as money. If you refuse to accept Federal Reserve Notes in exchange for your valuable goods and services, you can be thrown in jail. The power of the State is used to enforce legal tender laws.

The debasing of our currency (and thus our economy) is the most important crisis facing our country, and the world, because the dollar is the linchpin of international finance. [1] The growth of the unregistered derivatives market has hyper-inflated the dollar to the point where the international financial and banking system is in turmoil. At the present moment, and behind the theater of politics, the world is confronted with an international banking and currency crisis which is being completely ignored by the mass media in the United States (so what else is new?)

Called “Wantagate” by those in the know, it is a story of fraudulent financial manipulation that involves the highest banking and political officials in the United States, and the world.

How can such a gigantic crisis go unreported?

Because the focus is on politics!

Pick up a copy of the New York Times, the Washington Post, or the L.A. Times. Listen to the news. Listen to NPR. The news is, almost exclusively, political. What economic news is reported is mostly mundane stuff like the Dow Jones industrial average.

Politics and political intrigue obscures the fundamental economic and financial realities underlying the actions politicians take. In other words, the bread and circuses of politics takes your attention away from the money trail. Following the money trail will ALWAYS explain the actions of politicians.

For example, why did we go to war in Iraq?

The government says that we did it to establish democracy, or remove WMD’s, or destroy Al Queda, blah, blah, blah. Former secretary of State Jim Baker said facetiously that we invaded Iraq because of “oil, oil, oil.” Well that, at least, is partially true. According to Christopher Story, noted U.K. intelligence analyst, one of the fundamental reasons for invading Iraq was the takeover of the Rafidain Bank, Saddam Hussein’s private bank. The Rafidain Bank had trillions of dollars worth of assets and billions in gold bullion. That money properly belongs to the people of the United States via the U.S. Treasury, as the spoils of war. According to Story, Saddam’s money was stolen by criminal operatives within the U.S. intelligence community — with full knowledge of officials at the highest levels of government, including the President, the Vice President, the Treasury secretary and the Homeland Insecurity chief — and parked in offshore bank accounts. This money is “off the books,” because the people who stole it cannot identify source of funds. In any legitimate banking transaction, official codes are issued which identify the financial institutions on both ends of the transaction, and where the money came from. This is not possible with stolen money. For the rest of the story, see the link below in the Resource Box.

We are spending 10 billion dollars every day to fund the war in Iraq. The war has so far, as of this writing, cost almost 500 billion dollars and President Bush has just submitted a request to Congress for 200 billion more. Moreover, the war in Iraq is being privatized, which means that private contractors are making billions from this war. Meanwhile, our brave men and women in the military fight and die — for what? [2]

Governments throughout history have printed money and debased the currency to fund their conflicts. When the currency becomes devalued, it loses its purchasing power, and prices rise. This is the genesis of inflation. Inflation is not rising prices, it is the debasing of the currency.

The only legitimate way for governments to get money is through taxation. But politicians do not like to raise taxes because the voters will throw them out of office. However, the political scientists in Congress and the monetary scientists at the Fed have devised a brilliant scheme to spend more and more money and keep themselves in power: simply print and create more and more of it. The process by which this occurs is complex and obfuscated, but the bottom line is that the population is taxed by inflation when the money supply increases too rapidly. Each dollar buys less and less, you see. Inflation is a hidden tax — a cowardly trick imposed by politicians (and bankers) who hide behind the power of the state to enforce legal tender laws.[3]

Moreover, when money is created from nothing, the size and power of government grows larger and larger, sapping the economy. Money that would have been used to start businesses and employ people is wasted by government cronyism. Regardless of who is in power — capitalists, socialists, liberals, conservatives, Democrats or Republicans — political parties always use the power of the state to enforce their decrees. Thus, government grows and the political structure of a nation becomes more and hierarchical, fertile soil for the growth of tyranny.

Political parties and groups exist first and foremost to advance an economic agenda. Study the bills Congress passes. Almost all of them have language benefiting special interests — tax breaks, government contracts, etc.

Political parties did not exist in 1789. Many of the founders of the United States were against the establishment of political parties. George Washington, in his farewell address in 1796, said,

“They [political parties] serve to organize faction, to give it an artificial and extraordinary force; to put, in the place of the delegated will of the nation, the will of a party, often a small but artful and enterprising minority of the community; and, according to the alternate triumphs of different parties, to make the public administration the mirror of the ill-concerted and incongruous projects of faction, rather than the organ of consistent and wholesome plans digested by common counsels, and modified by mutual interests.”

Although the motivation of the founders of the United States was rooted in the ideals of freedom, economic issues — such as taxation — played a very important role. Moreover, the creation of a central bank was one of the fundamental issues that divided the founders. Whether or not a political party begins it’s life with a set of high ideals, once it becomes established, it ‘s main motivation is to stay in power. Then it always becomes a vehicle to protect the vested interest.

So people, do not become distracted by the bread and circuses of political theater, for that is what politics is.

Look underneath the superficialities of the news and always ask yourself these questions:

1) Who stands to gain financially by a declared government policy?

2) Where is the money trail?

In this way you may uncover the true motivations behind the actions of the actors on our political stage.

You can then begin to identify people who are open and honest, and vote for them. The crooks, of course, stand out like sore thumbs.

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Footnotes:

[1] In an interview for the German magazine Stern, Allan Greenspan, former Fed chief, says that the Euro is rapidly replacing the dollar as the world’s reserve currency. Greenspan said that the dollar is still slightly ahead in its use as a reserve currency, but added that “it doesn’t have all that much of an advantage” anymore. And why is that, do you think?

[2] According to the FRONTLINE documentary “Private Warriors,” private military contractors comprise the second largest “force” in Iraq. There are as many as 100,000 civilian contractors and approximately 20,000 private security forces currently in Iraq, and the number is growing.

[3] Here’s an historical example (there are many): The Continental Congress, beginning in 1775, simply printed money to fund the colonial rebellion. The Continental, which was worth 1 dollar in gold in 1775, was by 1779 trading for less than a penny. A loaf of bread cost $5,000! In a letter to Samuel Cooper in 1779, Benjamin Franklin wrote, “This Currency, as we manage it, is a wonderful machine. It performs its Office when we issue it, it pays and clothes Troops and provides Victuals and Ammunition, and when we are obliged to issue a Quantity excessive, it pays itself off by Depreciation.”

Kenneth James Michael MacLean has written 8 books, dozens of articles, and produced two movies.
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For a story on Wantagate, Click Here.