cheerocc

cheerocc t1_j8zdkxr wrote

This is 100%. It all starts at the home and if the home fails, there's a high chance it will fail the kids as well. I went through the Chelsea school system, not known for a very good school system at all but we had two very good parents that pushed us to succeed. Long story short, all three of us graduated from the Chelsea school system and all got our degrees from college and now live in Topsfield, Andover and Stoughton (my younger bro is still single so school system for him doesn't matter, unlike my sister and I who have kids).

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cheerocc t1_j5pd3tq wrote

That's A LOT!!!!

I got a ducted system for $15k. That included all new ducting because my house didn't have existing ones. This is why you always call at least 3 companies for a quote. My first quote was for $25k, second was around $19k and the one we eventually went with for $15k.

$48k for that size house is waaaay too much.

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cheerocc t1_iy93x9p wrote

Came to say this. I had the honor of staying at a friend's place on the beach on Salisbury. I'm usually not a morning person but the opportunity to get up extra early to see the sunrise was too good to pass up on and miss.

My wife and i set up or chairs on the beach and when we saw the sunrise, it's was well worth it.

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cheerocc t1_iu55rlx wrote

Yeah i get, it's a tough situation for many people there but it's also not a dead end. I came from a Chelsea school system that's historically been bad. If you look up "worst school system in MA", Chelsea will always be on the list. My siblings and I all made it out of there and went to college (Boston College, Northeastern, and Bentley College) so there's hope.

My point is, regardless of your situation, if you have the support and motivation from your parents as well as yourself, you'll do well regardless of where you are, type of school system, etc....

They key is to have the care and motivation to make it out.

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cheerocc t1_iu47x5b wrote

One of the reasons why we left the Lawrence school system. My daughter was in the 5th grade at the time and there was some "love triangle" going on with a boy and 2 girls in my daughter's class. One little girl was jealous that the boy talked to the other girl more so she came to school the next day with a meat cleaver and threatened the other girl. That's just one example that comes to mind.

Lot of parents don't care what their kids are doing so therefore the kids don't care. You can have the best school with tons of money but it starts at home. You have plenty of kids that comes from terrible school system and succeed, because the parents and the kids care.

Most of the teachers and kids were great in the Lawrence system, but there were some violent few that we weren't taking any chances with.

School ended for that year and we were in OUT!!!!!!

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cheerocc t1_iqx7zdl wrote

That's why certain things go unclaimed. Some people will get as an example, a $1 rebate check for a product. Majority of people will find it not worth going to a bank to deposit that check so it stays in a junk drawer. Now imagine 1 million people out there with $1 uncashed checks. It adds up.

I said in my post that I used to work for a company that dealt with unclaimed property such as uncashed checks, bank account, etc... The company that we researched that had the most money that's unclaimed were insurance company such as MetLife. Tons of uncashed checks around $10 or so but there were hundreds of thousands of people. One year the amount of unclaimed property for that company was around $50 million. Crazy.

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cheerocc t1_iqx6xyl wrote

I used to work for a company that actually work directly with that company, which works directly with the state Treasury department.

They're what we called unclaimed property and they're are millions of money out there that are owed to people. It could be from old bank accounts, uncashed rebate checks, insurance overpayment, old stocks, etc.....

Each state have what's called an abandonment period and it varies state to state and depending on the type of properties. For the state of MA, most things are 3 years meaning if there are no activities on that account for over three years, the state can actually claim it. Of course the companies and state will try to contact the owners before taking it. In my 10 years of working for the company, most "lost" property were due to moving and not updating their address (we'll use a few methods to try and locate an up-to-date address) or due to death where there's no next-of-kin.

I actually found my own name in the database. It was a program run by Mobil Gas where for every gallon of gas you purchased, a small percentage goes to a UFund for college (i was 19ish at the time when I signed up) After a few years, i totally forgot about it but it was still earning some money. Little did i know I had earned about $20.

Another example is i found my sister's name. It was an overpayment to her car insurance company about 15 years ago.... about $125. I found numerous friends and family names on there, ranging from $20(mine) to $500(a friend's uncashed insurance claim check).

Most people i tell about it, they think it's a scam but i tell them that's the company I work for and then they'll believe me. You do have to verify your identity and proof of ownership. If it's a deceased relative, a death certificate is needed and anything else they ask for.

I hope this helps and put you at ease that it's not a scam.

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