Chance Gates' Blog

Socialism appeals to better classes and has far more strength. Attack the state and you excite feelings of loyalty even among the disaffected classes; but attack the industrial system and appeal to the state, and you may have loyalty in your favor.
John Bates Clark

The decree of a coercive tribunal would not need to conform to the true standard of wages, the final productivity of social labor. It would introduce into distribution a genuinely arbitrary element, with a very large ultimate power to pervert the natural system.
John Bates Clark

The limit is not as narrow as it might be. I do not claim for this action, as it now goes on, an ideal degree of efficiency. What I do claim is that this type of competition already reveals its nature and its ultimate power to hold seeming monopolies in check.
John Bates Clark

The market tends to pay as a wage what an individual laborer is worth. But the case last studied suggests the question how accurately the law operates in practice. May it not be an honest law, but be so vitiated in its working as to give a dishonest result?
John Bates Clark

We cannot afford to have any large section of the business world in doubt whether they have broken the laws or not, and we cannot let the laws become a dead letter through vagueness. In this view it is clear that an administrative commission can render invaluable service.
John Bates Clark

When we say that the persistence of competition is ensured by fate, we mean that individual freedom is so guaranteed. The one thing to which fate binds us is liberty.
John Bates Clark

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As a Reno/Sparks real estate professional, I encourage all questions and comments on the Reno/Sparks real estate market or any of the articles posted in this blog. Please feel free to use my back door to the MLS and search the houses available in the Reno/Sparks and most Northwest Nevada neighborhoods. I can be reached by email @ chance@ballard-company.comhttp://www.myspace.com/chancegates .  You can also follow me at http://www.twitter.com/chancegates .  If you are behind on your house payment and looking for a loan modification, go to making homes affordable For a free copy of my report   “5 Steps For Reno/Sparks Homeowners To Prevent Foreclosures” go to my about page http://chancegates.com/about and ask for more information on preventing foreclosures. or   to request a modification.  If the modification fails, contact your local real estate professional to help short sale your home.  To make sure there is no deficiency judgment a homeowner might find it necessary to hire an attorney.

Mission Statement

The mission of the Washoe County School District Gifted and Talented Education Program is to provide our gifted and talented students differentiated instruction that is commensurate with their exceptional abilities through a wide spectrum of curricular and instructional gifted services and opportunities. The District will provide programs for gifted and talented students to work together under the guidance of trained teachers in an atmosphere that is intellectually and academically rigorous, fosters creativity, and provides emotional support.

Philosophy

The National Association for Gifted Children (NAGC) Standards of Excellence delineates both requisite and exemplary standards for gifted education programming which serve as benchmarks for measuring program effectiveness. National standards include criteria for student identification, program design, professional development, curriculum and instruction, socio-emotional guidance and counseling, and program evaluation. These standards, which represent professional consensus on essential practice in gifted education, provide a blueprint to encourage and guide

WCSD and State of Nevada  Definition of Gifted and Talented Students

Gifted and Talented students are those who exhibit evidence of high intellect, superior academic performance, and/or exceptional capabilities when compared to others of their age, experience, or environment. These students require special services not provided in a general school setting. The State of Nevada (NAC 388.440) defines a “gifted and talented pupil” as “a person under the age of 18 years who demonstrates such outstanding academic skills or aptitudes that s/he cannot progress effectively in a regular school program and therefore needs special instruction or special services.”

Characteristics of Gifted [PDF]             Characteristics of Gifted -Spanish [PDF]

Criteria for Recommendation and Placement

Parents and teachers are encouraged to recommend students for testing for the GATE Program if they demonstrate gifted characteristics. You may contact the GATE office at 850-8010 to get an application packet or go online at our website at www.washoe.k12.nv.us. The packet includes forms for authorization to test, and parent and teacher recommendations, including standardized test scores. All nominations are considered. WCSD students that would like to participate in the GATE must be evaluated by our program staff. No outside testing will be accepted. An individually administered IQ test will be set up at the student’s school site. Those students who score at or above the 98^th percentile on the IQ test are accepted into the program. There is also a matrix for those who score close to the 98^th percentile and have additional factors that warrant inclusion. High school students who score at or above the 98^th percentile in a major content area on a nationally standardized achievement test are also qualified.

Authorization for Testing [PDF]                  Authorization for Testing -Spanish [PDF]

Appeal Request [PDF]

http://www.washoecountyschools.org/district/departments/gifted-and-talented-program/parent-handbook

As a Reno/Sparks real estate professional, I encourage all questions and comments on the Reno/Sparks real estate market or any of the articles posted in this blog. Please feel free to use my back door to the MLS and search the houses available in the Reno/Sparks and most Northwest Nevada neighborhoods. I can be reached by email @ chance@ballard-company.com or  http://www.myspace.com/chancegates .  You can also follow me at http://www.twitter.com/chancegates .  If you are behind on your house payment and looking for a loan modification, go to making homes affordable to request a modification.  If the modification fails, contact your local real estate professional to help short sale your home.  To make sure there is no deficiency judgment a homeowner might find it necessary to hire an attorney. For a free copy of my blog titled  “5 Steps For Reno/Sparks Homeowners To Prevent Foreclosures” go to my about page http://chancegates.com/about and ask for more information on preventing foreclosures.

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RISMEDIA, August 25, 2010–Consumers with strong financial knowledge begin saving earlier and are more confident in their everyday financial tasks, according to the TD Bank Financial Literacy Poll released by TD Bank.

Education at an early age is key to achieving financial confidence. Many consumers doubt their financial skills and believe they were not taught enough at a young age and feel saving money is difficult. TD Bank surveyed 2,160 consumers to better understand the financial literacy and attitudes of consumers in the Northeast, Florida and Mid-Atlantic.

“The poll reveals that it is imperative for parents to act as the primary role model to their children if they want financially successful children,” says Suzanne Poole, executive vice president, retail sales strategy and distribution, TD Bank. “Starting financial literacy lessons early results in adults who are more confident in their money decisions, are more financially literate and are more skilled at saving money.”

Who is Your Financial Role Model?
Although this is not an easy question to answer, more than one-quarter of consumers struggled to identify any financial role models. The poll also revealed the primary sources for financial information and help in managing finances. Forty percent of consumers in the Northeast and 38% in the Washington, D.C. region turn to family members for financial advice; while Warren Buffet and famous financiers often edge ahead of financial advisors. In fact, only about one-quarter of the consumers surveyed have a financial advisor or financial planner.

Consumers with “good” financial literacy started learning about money slightly earlier than the average consumer, but only one-half of consumers started learning or having conversations about money under the age of 18. From those who did start learning about savings at a young age, 77% of New Englanders, 80% of Mid-Atlantic residents and 78% of Floridians say they learned from their parents.

Financial firsts are important to financial literacy confidence and education. Although most polled, about 70%, can remember opening their first bank account, only half can remember their first deposit or investment. However, those with “good” financial literacy, about 57%, could recall their first deposit amount.

“TD Bank believes it is important to not only start having financial conversations at a young age, but to also make those first financial experiences memorable,” said Poole. “More than 22 years ago, we created the WOW!Zone, a free, financial literacy program to help children ages 5-18 develop strong financial skills, in school and online. It is a great tool for parents to use to make learning about money fun!”

Responsibility and budgeting are taking a more prominent place at the dinner table today than when parents were younger. Sixty-two percent of parents versus 77% of children today learned about the importance of money. About 75% of parents are teaching their children about financial responsibility as well as saving, budgeting, the value of money, credit cards, etc., while only about 15% of parents were taught about investments and only about 20% learned how to use a credit card.

Poole added, “Today’s children are not learning about money that differently than their parents did. Parents today are taking primary responsibility in financial education. Parents should ask themselves if they are the financial role model they need to be. Starting young is not the only key to success. We found that the topics parents talk about and creating memorable financial moments matter, too.”

Other key findings from the survey include:

• About 94% of those polled with “poor” financial literacy skills wished saving money wasn’t so hard versus 65% with “good” skills.
• About 40% of consumers in New England, the Mid-Atlantic and Florida with “poor” financial literacy skills are confident in making financial decisions versus 93% with “good” skills.
• About 81% of those surveyed wished they would have started saving earlier, and about 55% of them were definitely not taught when young.
• 71% of consumers in the New England, Mid-Atlantic and Florida regions are confident in their understanding of everyday financial tasks such as paying bills on time, followed by balancing their checkbook.

The majority of consumers in the New England, Mid-Atlantic and Florida regions are either extremely confident or very confident in financially preparing their children; consumers responded that responsibility, saving money and budgeting money are the most important topics to teach children today.

As a Reno/Sparks real estate professional, I encourage all questions and comments on the Reno/Sparks real estate market or any of the articles posted in this blog. I have free access to the MLS and you can email me @  chance at ballard-company.com or http://www.myspace.com/chancegates

Image via Wikipedia

RISMEDIA, May 24, 2010–Do you find yourself overwhelmed by the number and complexity of projects you have that need to be completed at work each day? Do you often feel the day flies by without your devoting the necessary attention to each assignment because other tasks keep landing on your desk, co-workers interrupt you with questions or you can’t get it all organized?

You probably know that effective time management will help you get more done each day. It has important health benefits, too. By managing your time more wisely, you can minimize stress and improve your quality of life.

But how do you get back on track when organizational skills don’t come naturally? To get started, follow these tips from the Mayo Clinic:

• Plan each day. Planning your day can help you accomplish more and feel more in control of your life. Write a to-do list, putting the most important tasks at the top. Keep a schedule of your daily activities to minimize conflicts and last-minute rushes.

• Prioritize your tasks. Time-consuming but relatively unimportant tasks can consume a lot of your day. Prioritizing tasks will ensure that you spend your time and energy on those that are truly important to you.

• Say no to nonessential tasks. Consider your goals and schedule before agreeing to take on additional work.

• Delegate. Take a look at your to-do list and consider what you can pass on to someone else.

• Take the time you need to do a quality job. Doing work right the first time may take more time upfront, but errors usually result in time spent making corrections, which takes more time overall.

• Break large, time-consuming tasks into smaller tasks. Work on them a few minutes at a time until you get them all done.

• Practice the 10-minute rule. Work on a dreaded task for 10 minutes each day. Once you get started, you may find you can finish it.

• Evaluate how you’re spending your time. Keep a diary of everything you do for three days to determine how you’re spending your time. Look for time that can be used more wisely. For example, could you take a bus or train to work and use the commute to catch up on reading? If so, you could free up some time to exercise or spend with family or friends.

• Limit distractions. Block out time on your calendar for big projects. During that time, close your door and turn off your phone, pager and e-mail.

• Get plenty of sleep, have a healthy diet and exercise regularly. A healthy lifestyle can improve your focus and concentration, which will help improve your efficiency so that you can complete your work in less time.

• Take a time management course. If your employer offers continuing education, take a time management class. If your workplace doesn’t have one, find out if a local community college, university or community education program does.

• Take a break when needed. Too much stress can derail your attempts at getting organized. When you need a break, take one. Take a walk. Do some quick stretches at your workstation. Take a day of vacation to rest and re-energize.

As a Reno/Sparks real estate professional; I encourage all questions and comments, on the Reno/Sparks real estate market or any of the articles posted in this blog.

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As many of you know my oldest son has been the cause of my gray hairs.  This is usually due to the fact he doesn’t care how he does in school.  Most of the time he gets an “A” if he does the work or a “F” if he doesn’t.  This quarter it final happen, I’m not sure if he got tired of all his stuff be taken away, not letting him go play outside with his friends, or just talking to him about the direction he is going.  He took some pride in himself and just did the work.  The worst grade on his report card was a “c”, he not only passed every class, but has some good teacher remarks.  He is now debating going into the navy or becoming a diesel  mechanic.  Something interesting I did find out is the navy has a Jr cadet training in Carson City.

As a Reno/Sparks real estate professional, I encourage all questions or comments on the Reno/Sparks real estate market or any of the articles posted on this blog.  I can be reached by email at:   chance at ballard-company.com or http://www.myspace.com/chancegates