[Bubblesitter]

I’ve come to the conclusion that students need to have comprehensive financial education, starting in elementary school and continuing at least through high school.

I’m doing my best to try to instill in my young ones the importance of thrift, savings and basic financial common sense. Money concerns are such a big part of life for many, and without having a basic financial base, money problems can consume one’s life. The movie “Maxed out” was a bit troubling because it highlighted that all it takes is one health catastrophe we are all vulnerable to financial meltdown. Even if you think you are well covered, all it takes is 1 major illness to exceed insurance caps. Getting insurance with a pre-existing condition is also tough

[Bubblesitter]

I’ve come to the conclusion that students need to have comprehensive financial education, starting in elementary school and continuing at least through high school.

I’m doing my best to try to instill in my young ones the importance of thrift, savings and basic financial common sense. Money concerns are such a big part of life for many, and without having a basic financial base, money problems can consume one’s life. The movie “Maxed out” was a bit troubling because it highlighted that all it takes is one health catastrophe we are all vulnerable to financial meltdown. Even if you think you are well covered, all it takes is 1 major illness to exceed insurance caps. Getting insurance with a pre-existing condition is also tough

[Bubblesitter]

I’ve come to the conclusion that students need to have comprehensive financial education, starting in elementary school and continuing at least through high school.

I’m doing my best to try to instill in my young ones the importance of thrift, savings and basic financial common sense. Money concerns are such a big part of life for many, and without having a basic financial base, money problems can consume one’s life. The movie “Maxed out” was a bit troubling because it highlighted that all it takes is one health catastrophe we are all vulnerable to financial meltdown. Even if you think you are well covered, all it takes is 1 major illness to exceed insurance caps. Getting insurance with a pre-existing condition is also tough

[Bubblesitter]

I’ve come to the conclusion that students need to have comprehensive financial education, starting in elementary school and continuing at least through high school.

I’m doing my best to try to instill in my young ones the importance of thrift, savings and basic financial common sense. Money concerns are such a big part of life for many, and without having a basic financial base, money problems can consume one’s life. The movie “Maxed out” was a bit troubling because it highlighted that all it takes is one health catastrophe we are all vulnerable to financial meltdown. Even if you think you are well covered, all it takes is 1 major illness to exceed insurance caps. Getting insurance with a pre-existing condition is also tough

[Bubblesitter]

I’ve come to the conclusion that students need to have comprehensive financial education, starting in elementary school and continuing at least through high school.

I’m doing my best to try to instill in my young ones the importance of thrift, savings and basic financial common sense. Money concerns are such a big part of life for many, and without having a basic financial base, money problems can consume one’s life. The movie “Maxed out” was a bit troubling because it highlighted that all it takes is one health catastrophe we are all vulnerable to financial meltdown. Even if you think you are well covered, all it takes is 1 major illness to exceed insurance caps. Getting insurance with a pre-existing condition is also tough

[Bubblesitter]

For me a drive on a free and clear highway from Carlsbad to Sorrento Valley takes 25 minutes, perhaps slightly exceeding the speed limit;). A train commute typically takes me 52 minutes in the morning door-to-door, if I get at the Poinsettia station couple minutes before departure. Reverse commute is longer due to train wait times.

An average rush hour drive for me takes anywhere from 35 to 40 min on average, with peak over an hour in cases of accidents or heavy conjestion. Afternoon rush hour can be a b*tch on the 5 between Carmel Valley and Lomas St Fe between 4:30 and 6:30pm. It is worse now due to the HOV lane construction. One thing thing you can do a quick check on traffic, if it looks bad take the train.

With gas prices nearly at $4 going into summer driving season, the train costs are looking better, even with the proposed increase. Of course it depends on the type of car your drive. With tax break (pre-tax purchase) and company sponsored discounts the costs swing strongly in the train commute favor for me. Another benefit is the slowing of depreciation on the car. I’m have done a financial spreadsheet analysis and the train commute works well for me. If I get a Prius and start commuting at 6am and working till 7pm then it would swing in the driving favor.

If there is any oil shock due to geopolitcal events (e.g. Nigerian Oil attacks, Iranian gun boat attack, terrorism on Saudi facilities, etc, and gas goes to $5 or $6, then I have a feeling that the train commute will become even more popular. I view the the ability to do a train commute also as a nice hedge against a big jump in gas prices.

The intangible benefits of taking the traing are enormous for me. I feel more relaxed when I get to work, sometimes I read the paper, surf the web, or clear out work email with my broadband wireless connection, or just gaze out the window at the ocean.

The train commute home is equally enjoyable, especially when I’m looking at the conjestion on the highway.

Bubblesitter

[Bubblesitter]

For me a drive on a free and clear highway from Carlsbad to Sorrento Valley takes 25 minutes, perhaps slightly exceeding the speed limit;). A train commute typically takes me 52 minutes in the morning door-to-door, if I get at the Poinsettia station couple minutes before departure. Reverse commute is longer due to train wait times.

An average rush hour drive for me takes anywhere from 35 to 40 min on average, with peak over an hour in cases of accidents or heavy conjestion. Afternoon rush hour can be a b*tch on the 5 between Carmel Valley and Lomas St Fe between 4:30 and 6:30pm. It is worse now due to the HOV lane construction. One thing thing you can do a quick check on traffic, if it looks bad take the train.

With gas prices nearly at $4 going into summer driving season, the train costs are looking better, even with the proposed increase. Of course it depends on the type of car your drive. With tax break (pre-tax purchase) and company sponsored discounts the costs swing strongly in the train commute favor for me. Another benefit is the slowing of depreciation on the car. I’m have done a financial spreadsheet analysis and the train commute works well for me. If I get a Prius and start commuting at 6am and working till 7pm then it would swing in the driving favor.

If there is any oil shock due to geopolitcal events (e.g. Nigerian Oil attacks, Iranian gun boat attack, terrorism on Saudi facilities, etc, and gas goes to $5 or $6, then I have a feeling that the train commute will become even more popular. I view the the ability to do a train commute also as a nice hedge against a big jump in gas prices.

The intangible benefits of taking the traing are enormous for me. I feel more relaxed when I get to work, sometimes I read the paper, surf the web, or clear out work email with my broadband wireless connection, or just gaze out the window at the ocean.

The train commute home is equally enjoyable, especially when I’m looking at the conjestion on the highway.

Bubblesitter

[Bubblesitter]

For me a drive on a free and clear highway from Carlsbad to Sorrento Valley takes 25 minutes, perhaps slightly exceeding the speed limit;). A train commute typically takes me 52 minutes in the morning door-to-door, if I get at the Poinsettia station couple minutes before departure. Reverse commute is longer due to train wait times.

An average rush hour drive for me takes anywhere from 35 to 40 min on average, with peak over an hour in cases of accidents or heavy conjestion. Afternoon rush hour can be a b*tch on the 5 between Carmel Valley and Lomas St Fe between 4:30 and 6:30pm. It is worse now due to the HOV lane construction. One thing thing you can do a quick check on traffic, if it looks bad take the train.

With gas prices nearly at $4 going into summer driving season, the train costs are looking better, even with the proposed increase. Of course it depends on the type of car your drive. With tax break (pre-tax purchase) and company sponsored discounts the costs swing strongly in the train commute favor for me. Another benefit is the slowing of depreciation on the car. I’m have done a financial spreadsheet analysis and the train commute works well for me. If I get a Prius and start commuting at 6am and working till 7pm then it would swing in the driving favor.

If there is any oil shock due to geopolitcal events (e.g. Nigerian Oil attacks, Iranian gun boat attack, terrorism on Saudi facilities, etc, and gas goes to $5 or $6, then I have a feeling that the train commute will become even more popular. I view the the ability to do a train commute also as a nice hedge against a big jump in gas prices.

The intangible benefits of taking the traing are enormous for me. I feel more relaxed when I get to work, sometimes I read the paper, surf the web, or clear out work email with my broadband wireless connection, or just gaze out the window at the ocean.

The train commute home is equally enjoyable, especially when I’m looking at the conjestion on the highway.

Bubblesitter

[Bubblesitter]

For me a drive on a free and clear highway from Carlsbad to Sorrento Valley takes 25 minutes, perhaps slightly exceeding the speed limit;). A train commute typically takes me 52 minutes in the morning door-to-door, if I get at the Poinsettia station couple minutes before departure. Reverse commute is longer due to train wait times.

An average rush hour drive for me takes anywhere from 35 to 40 min on average, with peak over an hour in cases of accidents or heavy conjestion. Afternoon rush hour can be a b*tch on the 5 between Carmel Valley and Lomas St Fe between 4:30 and 6:30pm. It is worse now due to the HOV lane construction. One thing thing you can do a quick check on traffic, if it looks bad take the train.

With gas prices nearly at $4 going into summer driving season, the train costs are looking better, even with the proposed increase. Of course it depends on the type of car your drive. With tax break (pre-tax purchase) and company sponsored discounts the costs swing strongly in the train commute favor for me. Another benefit is the slowing of depreciation on the car. I’m have done a financial spreadsheet analysis and the train commute works well for me. If I get a Prius and start commuting at 6am and working till 7pm then it would swing in the driving favor.

If there is any oil shock due to geopolitcal events (e.g. Nigerian Oil attacks, Iranian gun boat attack, terrorism on Saudi facilities, etc, and gas goes to $5 or $6, then I have a feeling that the train commute will become even more popular. I view the the ability to do a train commute also as a nice hedge against a big jump in gas prices.

The intangible benefits of taking the traing are enormous for me. I feel more relaxed when I get to work, sometimes I read the paper, surf the web, or clear out work email with my broadband wireless connection, or just gaze out the window at the ocean.

The train commute home is equally enjoyable, especially when I’m looking at the conjestion on the highway.

Bubblesitter

[Bubblesitter]

For me a drive on a free and clear highway from Carlsbad to Sorrento Valley takes 25 minutes, perhaps slightly exceeding the speed limit;). A train commute typically takes me 52 minutes in the morning door-to-door, if I get at the Poinsettia station couple minutes before departure. Reverse commute is longer due to train wait times.

An average rush hour drive for me takes anywhere from 35 to 40 min on average, with peak over an hour in cases of accidents or heavy conjestion. Afternoon rush hour can be a b*tch on the 5 between Carmel Valley and Lomas St Fe between 4:30 and 6:30pm. It is worse now due to the HOV lane construction. One thing thing you can do a quick check on traffic, if it looks bad take the train.

With gas prices nearly at $4 going into summer driving season, the train costs are looking better, even with the proposed increase. Of course it depends on the type of car your drive. With tax break (pre-tax purchase) and company sponsored discounts the costs swing strongly in the train commute favor for me. Another benefit is the slowing of depreciation on the car. I’m have done a financial spreadsheet analysis and the train commute works well for me. If I get a Prius and start commuting at 6am and working till 7pm then it would swing in the driving favor.

If there is any oil shock due to geopolitcal events (e.g. Nigerian Oil attacks, Iranian gun boat attack, terrorism on Saudi facilities, etc, and gas goes to $5 or $6, then I have a feeling that the train commute will become even more popular. I view the the ability to do a train commute also as a nice hedge against a big jump in gas prices.

The intangible benefits of taking the traing are enormous for me. I feel more relaxed when I get to work, sometimes I read the paper, surf the web, or clear out work email with my broadband wireless connection, or just gaze out the window at the ocean.

The train commute home is equally enjoyable, especially when I’m looking at the conjestion on the highway.

Bubblesitter

[Bubblesitter]

NewtoSanDiego,
I see bikers all the time on train. There are bike lockers at all the stations, and if you’re lazy one morning, the free shuttles have bike carriers. Bike commuters have a sweet life. They save on gas, and get a good workout before/after work.

Here’s a photo I took from the train. Hope it posts OK, I compressed it.

Good luck and welcome to San Diego.

Bubblesitter
[img_assist|nid=7267|title=Coaster Sunset|desc=|link=node|align=left|width=466|height=310]

[Bubblesitter]

NewtoSanDiego,
I see bikers all the time on train. There are bike lockers at all the stations, and if you’re lazy one morning, the free shuttles have bike carriers. Bike commuters have a sweet life. They save on gas, and get a good workout before/after work.

Here’s a photo I took from the train. Hope it posts OK, I compressed it.

Good luck and welcome to San Diego.

Bubblesitter
[img_assist|nid=7267|title=Coaster Sunset|desc=|link=node|align=left|width=466|height=310]

[Bubblesitter]

NewtoSanDiego,
I see bikers all the time on train. There are bike lockers at all the stations, and if you’re lazy one morning, the free shuttles have bike carriers. Bike commuters have a sweet life. They save on gas, and get a good workout before/after work.

Here’s a photo I took from the train. Hope it posts OK, I compressed it.

Good luck and welcome to San Diego.

Bubblesitter
[img_assist|nid=7267|title=Coaster Sunset|desc=|link=node|align=left|width=466|height=310]

[Bubblesitter]

NewtoSanDiego,
I see bikers all the time on train. There are bike lockers at all the stations, and if you’re lazy one morning, the free shuttles have bike carriers. Bike commuters have a sweet life. They save on gas, and get a good workout before/after work.

Here’s a photo I took from the train. Hope it posts OK, I compressed it.

Good luck and welcome to San Diego.

Bubblesitter
[img_assist|nid=7267|title=Coaster Sunset|desc=|link=node|align=left|width=466|height=310]

[Bubblesitter]

NewtoSanDiego,
I see bikers all the time on train. There are bike lockers at all the stations, and if you’re lazy one morning, the free shuttles have bike carriers. Bike commuters have a sweet life. They save on gas, and get a good workout before/after work.

Here’s a photo I took from the train. Hope it posts OK, I compressed it.

Good luck and welcome to San Diego.

Bubblesitter
[img_assist|nid=7267|title=Coaster Sunset|desc=|link=node|align=left|width=466|height=310]

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