Is Your Child’s Financial Future Secure?

As a parent it is normal to want the best for your kids. You work hard and try to give them the finest that life has to offer. When it comes to ensuring the security of their financial future, it is easy for a parent to be left wondering what approach to take. You already contribute to your child’s Roth IRA, building small pockets of wealth for their future when possible. You have even started looking into creating extra passive income with rental properties or flipping distressed properties.

saving for your child's financial future

Investing and padding the nest egg for your child’s future is certainly a nice gesture. It is unfortunate that none of these actions will ensure that their financial state will continue to remain solid long after you are gone. On the contrary, doing all this work for your child may have the opposite effect. Children who have everything handed to them in life tend to not understand how to do things for themselves. This is why it is important to educate your kids in the intricacies of how to earn and save money. Such insights will ultimately prepare them with the skills they need, ensuring that they will have a solid financial future. Read more…

Posted on December 11, 2014 at by Teresa Te

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Protecting Children’s Health With Biotechnology & Traditional Precautions

childrens health

When it comes to preventing or treating disease, stem cell research has led to major breakthroughs in the medical field. Parents who have young children can take advantage of cord blood banking, a type of stem cell technology that could effectively treat dozens of illnesses that may be acquired at any stage of life. Blood that is extracted from umbilical cords of pregnant women can be used as a legitimate source of stem cells.

When properly manipulated and activated, the blood cells could then differentiate into specific types of cells that would be typically be damaged by degenerative diseases. Decades after a baby is born, its umbilical blood can be utilized in treating neurological disorders such as Alzheimer’s Disease and Parkinson’s Disease. Cord blood cells are stored safely in laboratory environments that are precisely controlled in regards to temperature, humidity and other conditions. Read more…

Posted on December 9, 2014 at by Teresa Te

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Learning the Value of Possessions

Especially around the holidays, marketing efforts are typically focused on getting the attention of youngsters. From a very young age, children naturally desire to shove current belongings to the side in hopes of getting the latest and greatest innovative gadgets and toys available. However, once children become old enough to recognize right from wrong, parents must instill a sense of value. This attribute involves appreciating what one has and taking care to see that possessions last. There are many different ways of introducing this time-honored virtue.

Consistency

Similar to establishing any habit or converting short-term into long-term memory, children retain information and develop behaviors by repetition. Teaching value is no exception. Unless continually reminded, kids often let lessons slip by the wayside. Be consistent and in time, behaviors gradually evolve and become habit.

using gadgets at home

Lead by Example

Children often emulate the attitudes and behaviors of parents from a young age. If parents do not exhibit traits that include value of possessions, children are also not likely to display the characteristic, regardless of how many times they endure a lecture. Read more…

Posted on December 8, 2014 at by Teresa Te

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3 Ways to Improve Children’s Sleep Hygiene

Just because your kids are too old for a baby monitor in their room doesn’t mean you should stop monitoring their sleep habits. Sending them to bed at a “reasonable hour” does nothing to ensure they’re getting quality sleep (kind of like forcing yourself to go to bed at a certain time doesn’t mean you’re not awake in the dark for hours). Understanding proper sleep hygiene is the first step in helping your child enjoy a healthier life.

Check in on them throughout the night for tell tale signs of sleep issues such as early onset sleep apnea. In severe cases, a CPAP machine may be in order or there may be minor surgeries to help with nasal blockages. Of course, more likely you’ll just need to help them make some adjustments to better their sleep. Read more…

Posted on November 30, 2014 at by Teresa Te

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Teaching Your Children Safe, Smart Travel

With the holiday season coming up, we need to be aware of the dangers out there. As parents of young children planning a family holiday, this is especially true- but those of us with grown up children must also be vigilant. Traveling on one’s own, or with friends, is a wonderful experience for all young adults, and should be encouraged as often as possible- as long as the importance of smart travel is understood.

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The Philippines, for instance, is an amazing country, dotted with beautiful beaches and exciting cities- but it’s also one that many travelers feel is unsafe, mostly due to reports of crimes and attacks on tourists. Recently making headlines, for example, was the violent rape of two Japanese tourists in Cebu City by South Korean men, in an act that brings to mind the mistreatment of the Japanese comfort women. The Koreans were charged with rape, as The Sunstar Cebu reports:

Rape complaints were filed Monday against two Korean nationals who allegedly raped two Japanese women last Saturday dawn, then left them to pay for the motel room bill. (Source)

The answer is not to avoid travel altogether, but to travel smart. Here are some tips to impart to your children.

  • Stay in a wholesome location. Before booking a room at a hotel, motel, or inn, do a bit of research; read reviews on TripAdvisor, and find out how the location is.
  • Know who to trust. Listen to your instincts; if someone seems shady, even if they’re supposed to be trustworthy- such as a worker at your hotel, or your driver- stay away.
  • Have important numbers with you. A little notebook in your bag or pocket with a list of emergency numbers is a good idea in case you lose your mobile phone.
  • Don’t get drunk. By all means, enjoy a few drinks at a local watering hole, but don’t get so drunk you lose control of yourself or your belongings. Not a wise thing to do in a foreign country.

Posted on October 28, 2014 at by Teresa Te

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4 Jobs for New Parents

4 Jobs for New Parents

For many Americans, it’s just not possible to go without an income when there are children involved. Whether you really need two partner’s incomes to provide the best life for your family or you’re a single parent who needs the equivalent of a full-time income in order to give your children the life they deserve, there are options. You don’t necessarily have to have a nine to five setup in order to make ends more than meet. However, you do need some creativity.

There are many jobs and careers that are flexible enough to allow you to enjoy time with your children while still earning a respectable income. Here are a few ideas to get started. Depending on your skills, where you live and the amount of income necessary to thrive, some of these options may be better than others. It’s all about designing an income that works for you, too (and not just the other way around). Read more…

Posted on September 19, 2014 at by David

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Dealing with Underage DUI That Brings Desired Results

The one thing that can possibly be worse than underage drinking or taking drugs is underage DUI or driving under the influence of alcohol or drugs. Alcohol drinking or taking prohibited drugs can be very damaging to young people and adults alike. The risks doubles if drinking or taking drugs and driving is combined. These drivers eventually end up hurting themselves or others and destroying properties in the process. Either way, they would need to get the services of an excellent DUI defense lawyer to get them through their troubles. It is either that or they straighten themselves up before they get themselves into real trouble.

The Underage DUI Problem

Not a few parents  have had to deal with the problem of underage drinking or teenagers taking prohibited drugs right in their own homes. The problem is real not only because it affects the whole family but also other people who may be in harm’s way when a DUI teenager is holding the wheel. But it is never easy to bring up the subject with anyone, more so with a teenage kid who may interpret parents’ concern as a veiled way of establishing excessive control. Never the less, parents have the responsibility to talk with their children because no one else will care more to do so. The law will care but in an all-together different dimension than that of parents thus all efforts must be exerted to prevent or stop the practice early on.

What Happens to Underage Caught DUI

Any person under the age of 21 caught driving under the influence of alcohol or combination or alcohol and drugs will have their licenses suspended or revoked immediately. This should effectively prevent the driver from legally operating a motor vehicle until such revocation or suspension is set aside. The services of a good lawyer is necessary if there were properties destroyed , people hurt, or lost lives. Such morbid results can haunt a young driver for the rest of his life.

Dealing with Underage DUI

It is primarily up to the parents to make sure that their children will not reach this point. Here are some ways parents can effectively deal with underage drinking or drug-taking to prevent the deadly consequences of driving under the influence.

1. Talk with the concerned child. Do it using clear words so that the message is understood. Do it with empathy that shows that you understand what the teen is going through.

2. Explain the possible results of being caught under the influence. There is no need to exaggerate since the reality of accidents is real enough. Be upfront without resorting to scare tactics.

3. Guide your child. Know when to have your presence felt and when to step back. Be encouraging and never condescending.

 

Posted on July 29, 2014 at by Teresa Martinez

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4 Ways to Teach Your Children about Social Awareness and Responsibility

social-awareness

As a parent, you are raising the next generation of policymakers, volunteer workers, charity organizers, and emergency aid helpers. You can guide your child as they learn about community responsibility and social issues, so that they can feel empowered to make a positive impact on the world. Here are a few family activities that can help your family tackle social issues in educational and inspiring ways.

Food Drives

Examine your local charity listings to learn about upcoming food drives. Organizations that often need aid include shelters for the homeless and emergency aid efforts during national disasters. Some grocery stores partner up with food banks so that you can quickly provide the needy with resources during your next shopping trip. Most of these efforts require non-perishable goods, such as canned soups, meats, and vegetables. Work with your children to pick up food and drop it off together at donation locations.

Community Clean Up

Litter at your local parks and beaches can become an eyesore for communities. Explore local cleanup options and get the entire family involved! Practice safe cleanup habits by using the right protective gear during your clean up efforts, such as reacher tools, gloves, and trash bags. Reward your children after these events with fun family activities, such as a barbeque.

Donating Belongings

What should you do when your children outgrow toys and supplies? Instead of leaving them for the garbage pickup, think about donating old belongings to local charities. Cribs, clothing, and toys can be extremely useful for parents with low-income backgrounds. Teach your children how to save belongings that are still in good condition. If they are old enough, bring your children along to donation sites so that they can give away their possessions.

Discussing the News

Once your children reach a certain age, they will start gaining a broader perspective of the world through online media and televised news. Turn this into a group activity and strengthen your family ties by discussing current political and social events. These discussions can help your children develop critical thinking and awareness skills.

Adults play a pivotal role in shaping the social awareness of younger generations. Parents, volunteer teachers abroad, and community leaders all contribute to climates of community responsibility and awareness. Get involved at the local, state, and international levels by exploring charity and volunteer efforts as a family.

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Teaching Kids to Save Energy the Fun Way

Posted on July 28, 2014 at by David

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Setting Mobile Limits for Your Children

phone_limits-children

Younger generations are completely immersed in technology. While many adults can recall childhoods without computers in the home, today’s children are surrounded by smartphones, PCs, and tablets. This digital culture is inescapable. While your children’s interest in gadgets can help them hone their tech skills, it can also take a toll on their physical and emotional wellbeing. Youngsters need to get a certain amount of physical exercise and sleep each day, and their mobile use could be negatively impacting these behaviors. Take a look at these ways to limit your children’s mobile tech use. Read more…

Posted on July 16, 2014 at by David

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When is the Right Time to Allow Children on Social Media?

Social media is so popular these days that even the youngsters have made it their favorite hangout. It is a very powerful tool and one that can impact a child positively or negatively.

With the many issues involving social networking sites in particular cyberbullying, however, parents are concerned over their influence on their young children. Some allow their kids to create accounts on the popular sites such as Facebook, Twitter and Instagram while the others think it’s better not to introduce social media until their child is much older and able to handle themselves well online.

social-media-families

The minimum age requirement for a child to join Facebook is 13. Many parents agree this is an ideal age during which a child is supposedly already responsible enough to behave properly online. But this is not always the case as some sensitive kids can easily get offended when they read negative comments from friends although they may not really be directed to them. Also, there are much younger kids who have created accounts on various social networking sites without their parents’ consent. Read more…

Posted on May 30, 2014 at by Teresa Te

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