The SamuraiMarine

Thoughts, Philosophy, Life and Love

Category: Financial

An open letter to parents…

An open ended letter from teenagers to parents.

Speaking as a teenager these are some things that I believe all teenagers want their parents to know, however they have no clue how to tell them. I, myself, am a 17 year old woman, and about to begin my senior year of high school.

That being said here some things kids my age want you to know.

1.  We do think about college. And yes, we know how important it is for us to go college (and a good one).

We are scared about it. Nothing is as scary as the unpredictable future. Looking at colleges is scary, you’re going to be sent to someplace where you know maybe one person, and that’s if your lucky. We will be in a new town, maybe even an entirely different state. This is the first step to becoming an adult; maybe not legally, but mentally. Our first step to becoming independent. And you think you’re the scared?

2.  When you give us advice, we actually do listen. There is a very good chance we don’t understand it and might think that you’re full of it, but we still hear what you say.

This advice is important because we will know it when we need it. So even if we roll our eyes at you, NEVER stop giving us advice. We are young and have no idea what life is going to throw at us, help us be ready to catch whatever we get pitched.

3.  Senior year is going to be an emotional time for us…

Everything we do this year is the last time we will get to do it during our high school years. That is a scary thought. We have had certainty for the last 3 years and now there is this big mystery box in front of us. And we have no idea what we should do with it.

4.  This is our decision. Its for us to decide please don’t push us to do something we don’t want.

This is a note for the parents who think their kid is making the wrong choice. We don’t even know what we want, but we are going to make the best choice for US. Not for you, not for my favorite aunt, not for the best English teacher in the world. For ME. You might think our choice is stupid, but it’s our choice to make, so let us make it. Even if we do mess it up it’s something we can learn from.

5.  Even though we wish you could, you can’t protect us or bail us out all the time now.

There will be times when we need your help, but you can’t let us run to you every time something bad happens. You have to let us learn to do things on our own.

“Smooth seas do not good sailors make”

6.  Last but not least, We love you.

We are crabby ass teenagers who have a funny way of showing you that we care but never doubt for a second that we don’t love you. We will fight in the future as we have in the past but never once doubt us. We can always count on you to give advice the best you can.

So to the parents thank you for putting up with boring high school sporting events, award ceremonies, choir and band concerts, baking crazy amount of cookies at the last minute, teacher conferences, and for the funding to go on crazy school trips. It didn’t go unnoticed like you might think. So please be easy with us this last, senior, year, cause it’s hard for us too.

 

How Gross is Gross

 

I am not the most financially minded person in the world, I will freely admit that and go one step further and say that this is one of the areas in which my Wife excels…  So I feel perfectly happy handing anything financial over to her.  I can look at most number problems and be perfectly fine, but then I look at the checkbook and I fall into this trance of mental loss.

On that note, I would like to talk about something that has bothered me for years.  I am not expressing this opinion as an expert, just as a generally annoyed person who is tired of being denied for certain things because of an accounting rule.

Gross income versus Net income.

Why is it that so many places where we go to apply for loans, benefits, etc, require you to list your Gross and not Net income?  If you earn $4000 a month and you only Net $2900, then why do places like banks, auto dealers, etc, base your income on the money that you do not have?

Likewise, if you go into someplace and apply for a particular benefit or assistance of some sort, then they use your Gross income as a deciding factor, when in reality, you only ever see a little more than half of that amount in your pocket?

It does not make sense to me, really.  But I am sure that there are those out there that are more knowledgeable about these things than am I or my wife.  To those people I would like you to comment and share your expert, and maybe not so expert, opinions and understandings of this.

 

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