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Since a child spends most of their waking hours at a school, it pays for the parent to evaluate the school. There is nothing wrong with a parent asking questions of a school principal. Some of us, still feel uncomfortable visiting a principal’s office, but remember that he or she has no authority over you. They are not your principal or boss.

My holiday wish for you is to be telling the story of the year you beat cancer for Christmas, many years from now to a healthy generation of great grandchildren who don’t even know what the word cancer means.

Jason sits down on the mattresses and puts his head in his hands. He looks like he is about to cry but doesn’t. Jason starts picking up the CDs on the floor and notices the covers.

Being in college and being an athletic superstar can bring plenty of status and popularity. These people are stars because they have worked hard and have earned the right to be where they are. It is important to stop here and note that they are still students in the manner that everyone else is. To put it another way, they must comply with the rules the college has set down. They are not exempt from the rules. They must study and do all of their assignments and keep their grades up to par. There is no slacking off for college athletes! The individual will risk suspension from their sport of choice if their grades start to worsen.

Get the help you need, but also take the opportunity to learn what you didn’t know before. For example, let’s say that you needed to go to an outside source for help with the financial projections. When they are complete, have your service provider walk you through every aspect of the financial statements so that you would be able to explain them to someone else with confidence.

Read Laurel Leader reporter, Dan Schwind’s, recent article about the financial trials and tribulations of the Laurel Boys and Girls Club. Budget tightening is strangling community organizations around the country. LBGC is no exception. Following last week’s plea to the City Council for more credit star funding review, three Club staff members were laid off. Some summer programs may be scaled back or cut. Fall activities are in the balance, with no immediate relief in sight.

When stock tied to a continuing service relationship can potentially be forfeited in this manner, an 83(b) election normally needs to be filed to avoid adverse tax consequences down the road for the founder.

And finally, the last question you need to ask yourself is: Can I afford it? If you’ve been having some trouble with money lately and are facing a few unexpected bills, then maybe you just don’t have the money to loan. Never put yourself in a compromising situation where you might not have enough money to get yourself through. It is okay to say, “I’m sorry, but I just don’t have it.” Your financial situation comes first, so don’t be afraid to say “no” if necessary.

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