Word: budgeting
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...benefits are the next big target. For every employee who makes $75,000, a company typically spends $30,000 more in benefits. So for employees who still have jobs after cost-cutting layoffs, the potential for more pain lies ahead. Health insurance is traditionally the revenue drain that budget hawks focus on, with costs averaging $10,000 per employee (about $6,000 for singles and $14,000 for those supporting a family). "I expect that by January, the number of people without health insurance will rise above 50 million as companies scale back," says Bruce Raynor, president of Unite Here...
...husbanded - it is not a birthright that they are free to squander at will. One of the first steps parents should take is setting up an allowance for kids as soon as they start school, according to the Gallos. "The purpose [of an allowance] is to learn how to budget, to be able to plan for things to buy - to postpone gratification," says Eileen. When the kids reach high school, parents may want to introduce debt into their financial vocabularies by allowing them to use credit cards. But the Gallos recommend training wheels first, in the form of debit cards...
...provocation going on in the 3s." Simko describes her job as leading students into a series of questions that will guide the curriculum. "It doesn't suit everybody," she says of the methodology, "but every school should have some elements of it." And it doesn't suit every budget. Kindergarten tuition is $27,300; it's not the costliest of Manhattan's exorbitantly priced private elementary schools, but it's up there. Even so, applications have been pouring...
...public defenders are starting to stand up and say, "No more."' DAVID CARROLL, of the National Legal Aid and Defender Association, on growing concerns that state-budget cuts and heavy workloads are undermining the constitutional right to free counsel...
Other government agencies that could be more qualified to deal with humanitarian challenges have been unable to do so because of security or budget concerns, the speakers said. They also said that further problems have been caused by the small number of State Department officials—people with training in these activities—who are on the ground...