Love songs are where we get our passion, our soul — and most of our worst ideas.
A better option would be to tap a taxable account, since capital-gains taxes are lower. Unlike the margin loans used to buy stock, these are tied to the London interbank offered rate, a global interest-rate benchmark, and are less costly than federal parent PLUS loans. Rowe Price. When it comes to utilizing the equity in your home, financial advisors are split. Some worry about taking on additional debt near retirement, but some view home-equity lines of credit, or Helocs, as viable options, assuming interest rates are still low and more attractive than the federal parent loans.
But the interest on a Heloc is no longer tax-deductible if the money is used for college, or anything not directly related to home improvement. Advisors tell clients to look at college like any other investment—through the lens of risk and return. If students will take on debt, advisors recommend limiting the borrowing to an amount they can pay off in five to 10 years, based on expected earnings.
Plus, living expenses in a small college town can seem like pocket change, compared with paying rent and helping to fund a lifestyle in New York or San Francisco. It can also upend their lives. Mercedes Bristol was engaged to marry a retired judge and beginning to plan for a comfortable retirement with pensions from two jobs. Their plan was to travel and buy a new home. She forfeited full medical coverage through retirement. She also forfeited her romantic relationship. Bristol, whose youngest grandchild just turned 8, has started a support group for other grandparents in her situation.
Their biggest worry is their health, and paying for medical care. There are some three million grandparents taking care of younger children, often as fallout from the opioid addiction crisis. Temporary assistance with rent or a couple of extra courses can morph into a pattern that lasts for years. But the client continued to give her adult son money, leaving her with little more than a small pension and Social Security.
Paying for vacations, Uber rides, car loans, and rent can prevent adult children from becoming financially independent, ultimately compromising their financial well-being. Some parents, wanting to be near their grandchildren, swoop in with a down payment for a home in their affluent neighborhood. When an adult child is battling addiction, mental illness, or a medical condition, tough love is harder for financial advisors to recommend.
But sometimes footing the bill can create more damage, cutting off the adult child from community- or state-based services and—in instances of addiction—adding to the problem. For those intent on helping their adult offspring, financial advisors stress running the numbers and bringing the children into the conversation, so they can see what their parents can afford, reducing the guilt some parents feel for saying no.
In sum, giving to children requires good communication and firm boundaries. Write to Reshma Kapadia at reshma. Distribution and use of this material are governed by our Subscriber Agreement and by copyright law. For non-personal use or to order multiple copies, please contact Dow Jones Reprints at or visit www. We've detected you are on Internet Explorer. For the best Barrons. Illustration by Patrick Leger. Text size. College Costs are Rising Tuition, fees, and room and board in dollars Private nonprofit four-year.
Public four-year. Private nonprofit four-year. Boomerang Millenials A larger share of toyear-olds are moving in with Mom and Dad than in past generations Pull money from savings. Live less comfortably. Take on debt. Tap nest egg.
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Retire later. Refinance home. Come out of retirement. How Parents Support Adult Children The financial support goes beyond paying for college—and the daily costs of living in the big city, for example, can be far higher than costs incurred when life revolved around campus.
Some support. Paid in full. Car expenses. So, they grabbed the backups, went to work and restored the show. Within a couple of days they had what they thought was a completely restored version of the files for TS This would effectively pull on every resource involved in the film because those stills would need all of the models, lighting and textures in order to render properly. Everything looked fine. Fast-forward to the end of that week. The crew has been back at work using the newly restored files for many days now.
But, over the course of that week, there had been a few oddities. An attach is when a character, like Woody for instance, takes off his hat. By the end of that week enough things had broken here and there that the team realized there was a problem. In addition to the attaches, some people working on a version of their shot noticed that the current version was far lower than where they had left off.
They were working on number and now it said it was version Something was up. If only 10 percent of the show is not on the tape, which 10 percent? Oh my God! Susman, the Supervising Technical Director on Toy Story 2 pictured below , had given birth to her son Eli shortly before, and had been working from home. This meant that she had a Silicon Graphics workstation at her house. It was either an Indigo 2 or an Octane, pictured right, and it was loaded up with a full copy of the movie. In order for her to work on the movie while out, they had plugged the machine up to the local network and copied the whole file tree over.
The last update that her machine had gotten could have been as old as a couple of weeks, but at this point the Pixar team had an incomplete backup and a corrupt tree full of files, and they needed anything they could get their hands on to fix the problem. This was the difference between rebuilding every missing file from scratch and, well, shipping the movie on time.
So Jacob and Susman hopped into her Volvo and shot back over the bridge from Richmond to her house to retrieve the computer. They hauled it out to the car and carefully placed it in the back seat, wrapping it in blankets and strapping it in tightly with seatbelts. There was 30 of us, all the biggest brains Pixar can bring to the problem. Drove at like 35 with blinking lights on, hoping to get a police escort.
They made it back to Richmond in safety. It booted.
They managed to verify about 70, files, leaving 30, files to check, and they had to be done by hand. Start running xdiff commands. Go for it. Close them all, 20 deep. Close them all, so you could look at them really fast. They all had to be looked at with human eyes, to see which ones were shorter or more current. They did it over the next few days. The feeling of sympathy and support are what Jacob recalls most vividly. The whole community, whether that was supporting people who were working late, or on the keyboards who typing, or folks sending us food by messenger pigeon.
The insane amount of focus needed to pull off comparing those files shows just how deep the dozen or so people on the project had to dig. The experience transcended employment and moved into the realm of true dedication to the movie, to their digital friends and to each other. Some other person happened to work at an emergency shelter and brought in blankets. They then rebuilt and tested the project and it ended up working, sort of. The fact that it still worked without them is totally unexplainable. One of the big questions that I wanted to pose was whether or not it was ever discovered who was responsible, and whether they were punished.
But, number one is, just get the movie back and work on Buzz and Woody again. With this many man-years, or even man-decades, worth of work on a project, the temptation to find someone to blame, to expend effort on hunting down the person responsible, is intense. They bought the team Pizza that weekend, got them anything they wanted and were generally supportive.
Black Swan events do occur. After the deletion and restoration of Toy Story 2, the team was likely hoping for an uneventful path to release, but it was not to be.
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It was not a good film. They dedicated the winter vacation to re-writing the project almost entirely from the ground up. Lasseter and Lee Unkrich ended up co-directing the film along with Ash Brannon as it was seen in the theaters. Among the things that stayed? The main characters, of course. Effectively all animation was tossed. Effectively, all layout was tossed. So all camera work would start from scratch. Lighting was in the film a little bit, but that was tossed as well.
We had to build new characters. So at that point, Buster showed up at that point. And that character went from being out to being in the screenplay to in the final screen in nine months. And most of the humans in the film and show.
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They were all built and assembled then. And all the effects work was added to the film. The opening of the film, which is Buzz, Buzz playing with the robots, which I spent a lot of my time working on, where Buzz blows up a quarter-million robots with that crystal…that explosion. That was all added in that pitch as well. It started from ground zero in January. So the story, effectively. And the film. And that was probably one of the biggest tests of what Pixar was as a company and a culture we ever went through.
The big deal about re-building the movie? It had a hard-set release date of November 22, That date was set in stone.
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