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MAY 17, 2013


EDUCATIONAL O PPORTUNITIES We meet the needs of gifted students 141 S. Rancho Santa Fe Rd., Encinitas, CA 92024

At the Rhoades School, we nurture the development of gifted students from kindergarten through eighth grade. We balance a challenging curriculum with an added emphasis on social development, and are guided by four basic principles: • We teach our students how to think, not what to think. • How we teach is as important as what we teach. • We work to instill a sense of healthy competition, collaboration and confidence. • Satisfying our students’ hunger for learning is more important than standardized test scores. Now accepting applications for the 2013-2014 academic year.

Our Mission: The Rhoades School supports the positive development of bright, academically advanced, productive, creative, and socially able students in grades kindergarten through eight. Here, students are provided with an appropriate curriculum, a supportive peer group, and suitable guidance in an encouraging and thoughtful manner. We seek to establish in each student a singular love of learning for its own sake. The Rhoades School was founded on the realization that there was a distinct need for a program which comprehensively met the needs of gifted students. Even among

other esteemed private schools, The Rhoades School stands out as our mission uniquely and distinctively targets students that are gifted and talented. The uncommon abilities of extremely bright students require that the educators with whom they work have an in-depth understanding of, not only multiple academic subject areas and the most effective methods by which to teach those subjects, but also a sensitivity to the unique social needs that are often present in the profiles of gifted and talented students. We are a school of 300 total student body, with typi-

cally two classes of each grade level. Our students enjoy small class sizes and a specialized faculty, with expert instruction outside of the child’s homeroom beginning in kindergarten. These specialized classes include Science, Technology, Spanish, Music, Physical Education and Art. We are located on Rancho Santa Fe Road in south Encinitas on the border of Encinitas and Rancho Santa Fe. We are currently enrolling for the 2013-2014 school year. Please contact Call Kem Graham at 760-4361102 or to schedule a private tour.

Ninety percent of Pacific Academy students achieve honor roll status Enrolling in a quality college preparatory school enhances students’ chances of attaining the academic and emotional preparation needed to succeed at the university level and beyond. This preparation ideally starts in Middle School. Pacific Academy, established in 1997, has been a private

individual needs and learning styles. Parents receive frequent progress reports and are encouraged to contact staff. As a result, rather than possibly falling through the cracks in a crowded public school, ninety percent of Pacific Academy students achieve honor roll status. In addition, students receive

school for grades 7-12. In order to best serve students and its community, Pacific Academy is expanding it’s Middle School Program, to serve 6th grade. Middle School Students at Pacific Academy enjoy a 1:10 teacher-student ratio unattainable by today’s public budget strapped schools. Smaller class sizes allow teachers to provide hands-on project-based learning and community based learning that students find relevant and enjoyable. Teachers actively identify student strengths and develop individual education plans that include parents and cater to

individualized college counseling, starting in the 6th grade, to provide all the support needed through the developmental process. This Middle School expansion will allow 6th graders to take advantage of middle school programs and privileges experienced by our students. All of our students, high school and middle school, participate in exploratory education each Friday and may include community service projects, field trips, workshops, guest presentations, or student projects. All teachers have full teaching credentials and bachelor degrees, and many

hold Masters or Doctorates in Education like Dr. Erika Sanchez, Pacific Academy’s principal, who earned a Masters and Doctoral degree in sociology with an emphasis in education. “Our ultimate aim,” stated Erika Sanchez, “is to develop ‘Global Citizens’ of the 21st century, critical thinkers [who] make choices guided by respect for oneself and others.” Character traits like responsibility or cooperation permeate the curriculum each quarter, and students who demonstrate the emphasized character trait, receive recognition. Mr. Vikas Srivastava, this semester’s project-based learning facilitator, and all students collaborated and are planning a three-legged walk that pairs students from diverse backgrounds in an effort to eliminate discrimination and stereotyping. Mr. Vikas explains, “The theory is that everyone is diverse because we all have unique stories, and if we got to know one another’s stories, we would have more understanding and compassion between us.” After participating in numerous projects like this one, it’s no surprise that Pacific Academy students become compassionate, creative, inquisitive, and responsible global citizens.

Importantly, the results aren’t dependent on the years surrounding the housing crash, when millions of Americans became underwater on their mortgages. This is a deeply seeded trend. The study controls for characteristics like age and education, but the authors caution against reading too deeply. The results are what they are, but correlation doesn’t necessarily mean causation. “We are unable, in this paper, to say exactly why, or to give a complete explanation for the patterns that are found, but our study’s results are consistent with the unusual idea that the housing market can create dampening externalities upon

the labor market and the economy,” they write. One 2011 study looking at household debt accumulation — most of which is mortgage debt — showed that auto sales in regions where debt accumulation was the highest during the boom were down 40 percent since 2005. In regions where debt accumulation was the lowest, auto sales were up 30 percent. Same stuff for ZIP codes that have a high percentage of homes with underwater mortgages. The “American dream” of owning a home can be detrimental to the “American dream” of a strong economy. Now, owning a home makes sense for a lot of people. But to me, the study has two

obvious takeaways. One is that while many of us focus relentlessly on the costs of renting — you’re throwing your money down the toilet! — the costs of owning a home can be far greater. Worse, those costs are largely hidden, since it’s hard to calculate the price of not being able to easily move for a new job. Two, there are hidden costs to subsidizing homeownership. The highly popular mortgage interest deduction is one of the largest tax deductions in existence. The FHA is now a major player in the mortgage market. Both seek to promote homeownership without much thought about the knockon costs,like lower job mobility.

Our ultimate aim, is to develop ‘Global Citizens’ of the 21st century.” Dr.Erika Sanchez Pacific Academy principal,

THE MOTLEY FOOL INVESTOR by Morgan Housel Mostly by accident, I have never owned a home, and I consider it one of the best financial moves I’ve ever made. Not because suffering through one of the worst real estate downturns in history would have slammed my finances, although that’s likely true. But because in the last four years, my wife and I have lived in four different locations in three different states on each side of the country. Each move was driven by work and school opportunities that would have been out of reach had we been tied down to one

home. Our story is hardly unique. In one of the most telling studies looking at the benefits of home ownership, economists Andrew Oswald and David Blanchflower ask, “does high home-ownership impair the labor market?” Their answer is “yes.” Looking at regional data since 1980, the pair found “A doubling of the rate of homeownership in a U.S. state is followed in the long run by more than a doubling of the later unemployment rate.” That’s simply massive.

The study makes clear that homeowners don’t necessarily have higher rates of unemployment. Instead — and this is really important — they conclude that high rates of homeownership affect the entire labor market through lower rates of productivity and entrepreneurship. Regions with higher homeownership created fewer new businesses and had longer commute times and lower rates of labor mobility. All three impose costs on the labor market and eventually lead to overall lower rates of employment.

Profile for Coast News Group

The Rancho Santa Fe News, May 17, 2013  

The edition of The Rancho Santa Fe News for the week of May 17, 2013.

The Rancho Santa Fe News, May 17, 2013  

The edition of The Rancho Santa Fe News for the week of May 17, 2013.