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Money Talk With Your Teen
By Norbert_Georget
Teaching your teen to be responsible with money can be a challenge. Most of the parents I talk are frustrated because they do not feel that their teens understand the value of money - or how hard it is to earn.
You can teach your teen to be responsible with money, though, by taking a very simple approach: let them have some, let them choose how to spend and save it, and help them understand banking choices. Given the economic crises that continue to happen, this is a skill that can serve your teen throughout life.
Purchasing Power
The first way to help your teen understand how to be smart with money is to talk to them about the value of what they purchase. Take them shopping with you when they are young. Let them help you determine what is a good buy and what is not. Show them how to shop by comparing the price per unit instead of just the total price. Help them recognize marketing ploys that are intended to part them from their cash.
Give your teens an allowance or let them earn money doing chores, odd jobs, or having a part time job. Teach them to save a portion of what you give them and let them spend some. Allow them to make decisions about what they spend, even bad decisions. They will learn quickly what buyer's remorse feels like and become more selective with what they buy.
Teen Checking and Savings Accounts
Your bank should offer some sort of free checking or savings account or student checking or savings account that you can help you teen open. Having a bank account is one of the best ways to help arm your teen with the money knowledge he or she needs to get through life. Help your teen learn how to balance the bank statement, and teach him or her about the different kinds of accounts there are available. Even if your teen only adds $25 a month to a savings account, they can have $300 plus interest at the end of a year.
Teens and Credit
While credit rules continue to change, college age teens are heavily marketed by credit card companies and often get way over their head with debt. As well, teens often must take loans in order to fund their education, particularly in the Canada and the U.S. Help your teen develop good money habits and establish a good credit rating with a credit card. Teach them to use the credit card but pay it off each month. Help them shop for the right credit card with the best interest rate and terms to give them habits that will serve them well throughout life.
Your teen will benefit from having spending and saving, so the more exposure you can give them to things like grocery shopping, decision making with large purchases, and banking will provide them with the necessary skills to manage effectively throughout life. Start talking to your teen about money early - it is an investment that will pay huge dividends.
Norbert Georget is an accomplished professional speaker, teen motivator, parenting expert and author of the book, No-Nonsense Parenting For Today's Teenager - How To Feel Like A Good Parent Even When Your Teenager Hates You. You may get a FREE REPORT called No-Nonsense Parenting for the Disrespectful Teenager. All the answers you'll need to deal with your disrespectful teenager.
Why Giving Your Child Everything Will Hurt Them in the Job Market
By William Rigby
In todays world parents give their kids just about everything. That is, If the parents can afford it.
They need money, mom or dad gives it to them. If they need gas for their car, mom or dad whips out the gas credit card and sends them on their way. Car insurance? Yep, mom and dad just pay it for them. Of course they will need a car too for all this other stuff. Need a car? Sure says the parents and wala, they have a car.
What are you teaching your children by giving them everything they want?
What you are teaching them is to be dependent on someone else or other people for all their needs. Just like todays government is doing. There's a direct connection there too but that is a story for another day.
What happens when the kids actually have to go out and get a job for themselves, pay their own bills and provide the essentials for themselves? They are at a huge disadvantage.
Kids raised by parents who provide everything for them have no clue on how to ask for what they want in the real world. This being a direct effect by expecting someone else to take care of them.
When they go on job interviews, instead of saying that they want the job, they just assume it is going to be provided for them. A child that has had to pay his own stuff, make his own decisions about what he really needs and spends his or her own money on, will actually ask for the job. Who do think is going to get it? The one who wants it! Or the one who thinks that it is owed to them.
Don't let your kid grow up thinking that they are owed anything. Let them make their own decisions. Earn their own money. If they want to save money on things like discount basketball shoes head on over to http://www.discountbasketballshoes.org/.
3 Reasons Why Your Kids Should Play Outside
By Dorthy T. Weatherbush
Growing up as a kid, some of the most memorable moments of my life took place playing outside with friends. Long before computer games for 3-D virtual reality alternative worlds, my friends and I would run the streets with balls, sticks or slingshots in hand. There was no such thing as a Nintendo DS or a portable Mp3 player. Nope, we had each other and the great outdoors.
Today as I raise my own children I see a shift from wanting to go outside to remaining inside. Gone are the days when your children would come running into the house with a scrape or bruise. Now they come running because they have advanced carpal tunnel from playing video games or texting too much. Despite this shift, as a parent, you do have a say so in what activities in which your kids are involved and I suggest to you today that playing outside with others should be high on your list. Don't let sports like football, baseball and kickball become obsolete. Why you may ask, here are 3 clear reasons.
Better Social Skills This one seems obvious right but often many parents underestimate the power of this benefit. The more face to face time a child has with peers and other children of varying ages, the better able they are to relate to others in every other facet of life. They will respond to their siblings and you as parents in a much more mature way. Soon your kids will learn that it is not just about their ideas and their feelings but often times your personal agenda must compromise for the group's sake.
Better Physical Fitness Running jumping and playing is good for everyone but even more so for a growing child. As your child's muscles and organs begin to grow and develop, it is essential that they participate in physical activities to grow stronger, more flexible and coordinated. Recent studies have shown that there is a significant increase in the diagnoses of Type II Diabetes in children. Regular exercise can decrease the risk of this type of diagnoses by more than 35%.
Better Grades When reading an article about physical fitness, the last thing you expect to hear is that letting your kids play and have fun will positively affect their grades. In fact many people have been led to believe that the opposite is true. That is to say that if you force the child to study more than they play, the better they will do in school. This could not be further from the truth. When children are allowed to release their natural energy in a constructive way, it does two things. First, it increases blood and oxygen flow to the brain. Secondly, it allows them to focus without distraction on their studies because playing outside now becomes a reward they look forward to, even more than the video games.
As we move into the digital information age, let us not forget the lessons learned from our childhood. A little a sweat and blood will not hurt our children in the long run in fact, it will actually help.
Dorthy Weatherbush has children and has always emphasized the importance of playing outside and getting plenty of exercise. In fact, her oldest son rather enjoys riding his Nashbar bike. But she did make sure to get him a helmet for to go with his Nashbar bike just for safety purposes.
Seven Ways You Can Annoy Your Child's Kindergarten Teacher
By Julie L. Johnson
A common fault among parents is your persistent way of annoying or pestering your child's kindergarten teacher. Now if you have been doing this unconsciously, you better stop, for it will cause animosity between you and your child's teacher. And you will be the stumbling block of your child's happy years in school. Here are seven ways you can annoy your child's kindergarten teacher.
Your child reports about his teacher's mistake in school. This will send you rushing to the principal's office. You have not even studied objectively what it was all about and believe everything from your child's immature point of view. Talk to the teacher!
You dislike the comments your child's teacher wrote on his class work. You approach the teacher and tell her to write a better evaluation of your son's work.
You compare your child's rating with the other children's and complain that the teacher is grading unfairly and showing favoritism.
You constantly gripe about the way the teacher treats your child. That he is not given importance in class, no star for his work or not given the lead role in the class play.
You defend your child's negative behavior, blaming the teacher as the instigator of it all.
You pry in the manner the teacher instructs and you tell her or write her how she can improve her teaching skills.
You believe that your side is always right. You close your ears to the opinion and statement on the side of the professional educator.
This negative behavior is an impediment to your child's success in school. Your child's teacher and you cherish the same goal: the proper development and success of your child. Each of you must respect the role of the other.
Your role as a parent is vital because you are your child's first teacher. Do not take this role lightly. If you do your role well, the teacher will have no problem in supplementing this development. The role of the teacher is to look after your child's academic development and supplement your teaching. Just as teachers do not meddle in parental duties, parents must not interfere in the work of the teacher. The two of you together will accomplish what is the best for your child.
So now knowing the seven ways you can annoy your child's kindergarten teacher, hopefully you will avoid them. This is for your child's own good.
JJ's Kinder Plus Blog: http://www.jjkinderplus.com
I think that every child is different in the timing and manner in which they get potty trained except in two areas - their desire to learn and their choice of reward.
Every child has particular needs and wants. Most children however have a strong desire to fit in with other children. This is one desire that motivates children to learn new things on their own. As parents, we should try to encourage a positive peer pressure on children to teach them how to use the potty. It can start with showing them how you use the bathroom. Explain to them what the toilet is for, how to use toilet paper, and how to wash their hands afterwards. If it is like a new game they may be more inclined to learn.
However, that isn't enough for some children. But if they have friends or siblings that can already use the potty, they may me inclined to mimic that "big boy" or "big girl" behavior as they witness it. Never underestimate the power of positive peer pressure, but try not to be negative about their behavior. Always get excited about what they do that you like! And simply ignore, or just don't accentuate, what they do that is not the desired result. Be very careful not to berate children or demean them in any way - that will just make them feel bad and lengthen the time it takes to teach them. Telling a child "NO!" or frustrating yourself by emphasizing the negative actions will also just confuse them and turn them off to learning what you are trying to teach.
Just as a positive approach can change behavior, so can rewarding their positive behavior. In my child's case, he had a particular affinity to cherry flavored ices from the freezer. At first, we simply gave them to him when he asked, but when we wanted him to use the potty, we simply changed the criteria for obtaining the cherry flavored happiness he loved so much. He already had the desire for the ices, so we just told him that if he wanted the treat, he would have to use the toilet. So whenever he used the potty, we rewarded him with the ice. We never gave them to him at any other time, and we never failed to give it to him when he used the potty. You must be consistent with the reward for the particular behavior you are trying to teach or else, again, the child will get confused and he or she will just not learn.
Potty Training Advice
By George Halt
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