Teen Debt: Educate Teens about Finances Early

Graduation from college is coming up for many students and teens.  With that, many have student loans and even credit card debt.

Combined with the stress of job hunting, having debt can be worrisome and cause anxiety.  Will you ever catch up and pay it all off?

For Students and Recent Grads 

Geared towards those who’ve just emerged from school or who are due to graduate soon, these finance blogs deal with a wide range of grad finance issues.

1. Studentnomics: This blog is all about helping young people like yourself pay off their students debts, save their money and enjoy living life in the real world.
2. The Frugal Law Student: Anyone with crushing school debt can understand the concerns of this law student struggling to save and make ends meet.
3. 20 Something Finance: As you enter your 20s, you’ll learn more than a few things about personal finance. This blog is there to help you along the way.
4. Poorer Than You: Check out this site for posts on financial issues that affect students and young grads, like school debt, building net worth and much more.
5. Money Under 30: There are some money issues that are a lot more important to fresh grads and twenty-somethings than those over 30. Learn more about them on this site.
6. Grad Money Matters: Your education may have helped get you a job, but it doesn’t guarantee smarts when it comes to money. Learn more about financial issues that all grads should be worried about here.
7. Green Panda Treehouse: The financial articles on this blog are geared towards money issues that new grads face, from finding a first post-college job to paying off those horrible school debts.

Are you in Broward County?  Find help with paying student loans and debt, click here.
Be an educated parent, pass it on to your teens.

Continue reading on Examiner.com: Money, money, money: Teaching teens to get out of debt early - Fort Lauderdale Parenting Teens | Examiner.com http://www.examiner.com/parenting-teens-in-fort-lauderdale/money-money-money-teaching-teens-to-get-out-of-debt-early#ixzz1Ei3b3kl3

Teen Motivation: How to Get Your Teen off the Couch

"My teenager is brilliant!  Highly intelligent, has the potential to make all A's but is barely bringing home C's!  Help!"

This is a common complaint we hear about from many of today's parents.  Teens do not recognize the importance of education and what it means to their future.  As a matter of fact, we are seeing more adults going back for a higher education than ever before.  Why?  It is simple- education is the key to your financial future.  Now we need to get our teenagers to understand this.

It is up to parents to set boundaries and set the example.  We are not saying that teens are not allowed to have a social life, of course they are.  We need them to find the balance.

Here are some great tips from Parents and Kids:

1. Start early on as possible as you can, set up reasonable goals, begin with small tasks and give them time to improve. For example, have the child state the goal, the grade on their upcoming report card for their classes, math, English, science, history, etc.
2. Tell your child that you love him/her and wish to help him/her to have a bright future, then start the conversation with patience on his/her daily school activities, homework, test, class projects, etc. Prepare to hear some “bad news”, if it did happen, do not be angry with him/her, be calm down and help your child find the problem and try to find a way to help him/her to solve the problem.
3. In order to build a strong work ethic, need to set some rules and ask your child to follow, be strict and tell him/her why. For example, finish homework before watching TV. Why? Homework is the key to understand and master what teachers taught, which leads to his/her success in school. This rule helps him/her be stronger on self-control as well.
4. Encourage and praise the child wisely, not too much, otherwise would mislead him/her to think he/she is the best. Namely, let him/her know that the best needs continuous learning, although did a good job today, need do better tomorrow.
5. Teach your child to have passion for learning new knowledge by showing fun stuff for the project and try to get his/her interest.
6. Tell your child successful stories. Help them to understand to get a good education and succeed in school is one of the most important things for his/her life.
7. Tell your child to make friends with those who are successful in school. Do your best to get your child into a good school, because a healthy competition environment challenges the kid and help him/her to develop better.
8. Introduce some real role models to your kids, who fighting hard with difficulties and succeeded at last, gained people’s respect. Help him/her to learn that if we suffer a set back, we don’t give up. Instead, we try harder.
9. Just like parenting, motivating your children is a life-long job. Keep investing your time, efforts to motivate your kids no matter how busy you are, because it is the most important investments in your life. Kids are our future!

If you feel your teen has reached a level that is not productive and they are going down a very negative path, contact www.helpyourteens.com to find resources that could help you and your family.

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Who is Your Teen Hanging With?

Do you know your teen's friends?

What to Do When Your Teen Falls in with the Wrong Crowd

The transition from junior high into high school is a big one for your teen, and it often leads to significant changes in your teen's circle of friends. The friends that you're used to your teen hanging around may drift away as they get involved with different things in high school, and your teen may connect with another group entirely--a group that you believe is influencing your teen in a negative way. If you think your teen has fallen in with the wrong crowd, you may want to take the following steps to intervene.

• Talk to Your Teen

If you've been on autopilot for a while with your teen and the lines of communication are a little dusty, spending more time with your teen is often in order. If your teen knows you care about what's going on in their life, they will be more likely to listen to what you have to say. The way you approach talking about your teen's friends is crucial. Teens will defend their friends to the death and will often shut down and close themselves off to you if they feel you are attacking them. Instead, first talk about how your teen's behavior has changed since he or she started hanging out with a particular group of friends. Firmly explain what types of behavior are acceptable and unacceptable.
When you finally broach the topic of your teen's friends, make sure you discuss the specific types of behavior they exhibit that you're unhappy with, rather than vague, sweeping criticisms. Doing this lessens the chances of your teen thinking you just blindly hate their friends for no reason. For example, "I think that so-and-so is disrespectful of his parents. I saw him cussing out his mother in the parking lot after the basketball game. That's not okay, and I don't want you to think it's okay to treat me that way either."

• Invite the Friends over

Typical responses when you talk to your teen about his or her friends are "You don't even KNOW my friends!" or "You just don't understand." If this is the case, open up your home and have your teen's friends over a time or two. Order in some pizzas and spend some time with them. Make an honest attempt at building a relationship with them. You don't have to hover, but get an idea of who they are, their personalities and what makes them tick. This is an important part of assessing your teen's circle of friends. Sometimes they're not as bad as their hard exterior and crazy hair lead you to believe.

• Get to Know Their Friends' Parents

If your child is getting into trouble with a group of friends, chances are there are a couple other parents out there who aren't happy about it either. Get in touch with the parents of your teen's friends and discuss what you can do to counter what's happening when your teens get together. While it's tempting to play the blame game, don't fall into that trap. You don't want to ostracize the adult(s) who can help reinforce any separation or disciplinary action you have to take.

• Find Positive Mentors

Finally, is there an old friend of your teen's who's doing well in school and could talk to your teen about his or her behavior and choice of friends? Is there a trusted family member, older teen or 20-something that your teen looks up to who could take them under their wing? If your teen won't listen to your warnings about their friends, perhaps they will listen to someone who's been in their shoes more recently.

By-line:
Kitty Holman, regularly writes on the topics of nursing colleges.  She welcomes your comments at her email Id: kitty.holman20@gmail.com.

Be an educated parent, you will have safer and healthier teens.

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Clues your teen may be tangling with an 'online predator'

In today's highly digital world there are many more concerns for parents.


Online predators is a major concern for kids and especially teens.

With today's peer pressure and teens wanting to fit in, falling into a trap online is probably easier than most realize.

What should you do if you suspect your teen or child is communicating with a sexual predator online?

• Consider talking openly with your child about your suspicions. Tell them about the dangers of computer-sex offenders.
• Review what is on your child's computer. If you don't know how, ask a friend, coworker, relative, or other knowledgeable person. Pornography or any kind of sexual communication can be a warning sign.
• Use the Caller ID service to determine who is calling your child. Most telephone companies that offer Caller ID also offer a service that allows you to block your number from appearing on someone else's Caller ID. Telephone companies also offer an additional service feature that rejects incoming calls that you block. This rejection feature prevents computer-sex offenders or anyone else from calling your home anonymously.
• Devices can be purchased that show telephone numbers that have been dialed from your home phone. Additionally, the last number called from your home phone can be retrieved provided that the telephone is equipped with a redial feature. You will also need a telephone pager to complete this retrieval.
• This is done using a numeric-display pager and another phone that is on the same line as the first phone with the redial feature. Using the two phones and the pager, a call is placed from the second phone to the pager. When the paging terminal beeps for you to enter a telephone number, you press the redial button on the first (or suspect) phone. The last number called from that phone will then be displayed on the pager.
• Monitor your child's access to all types of live electronic communications (i.e., chat rooms, instant messages, Internet Relay Chat, etc.), and monitor your child's e-mail. Computer-sex offenders almost always meet potential victims via chat rooms. After meeting a child on-line, they will continue to communicate electronically often via e-mail.

Source: FBI Parent's Guide to Internet Safety

In Broward County, Mother's Against Predators (MAP) was formed to help educate and inform parents, teachers and the community about the warning signs of predators as well as tech tips we all can use.

Internet Predators do not discriminate, any child is at risk if not properly taught about how to stay safe in cyberspace.

Be an educated parent, you will have safer teens.

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Teen Help: Parent Confusion of Internet Deception - Who Do you Believe?

Major decision, can you trust cyberspace?

You have resolved yourself to the fact that you can no longer control your teen’s behavior as they are spiraling out-of-control.  Where did that cute little child go?


Actually, they are still there, but deeply buried under the layers of peer pressure, society, technology, divorces, and life in general.  Life is not perfect, however with teens (although they believe they are nearly adults) they are not mature enough to understand that divorce isn’t their fault, a parent losing a job isn’t their fault, a death is not their fault, being bullied isn’t their fault – and before you know it, they have baggage that would outweigh even adults.

Now you get online – where can I find help!  I am at my wit’s end!!!!

You start to see all these websites, clearing houses, marketing arms, toll free numbers etc… Then just when you think you found a program that can help, you find some very harsh website of disgruntled parents and other kids that attended that program.

Don’t panic. Look at the sources -is it a reliable source?  Is it a legal case?  Or simply people that have too much time on their hands, have a vengeance after a school  or program and can’t move on with life.  Unless you see some legal cases to substantiate these claims – chances are very good that their sole motive is to prevent others from getting help and slam programs.

It is a fact – just about every school or program in our country (and probably others) have the “good, bad and ugly” about them. You are not in business for years and won’t have clients that are not happy with your services.  This is why it is so critical parents do their research.

As a victim of this myself, I have won two jury trials – I have proved that my issues as being a disgruntled parent were justified in a court of law -and that these malicious websites are nothing but a way to deter parents from believing my story or getting my help.  I always tell parents, I am either famous or infamous – depending on the website you find – but in  reality – I have taken it to the justice system and proved that I was being stalked, harassed and worse because the program my daughter was abused at simply wants me gone.

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Want to know more – visit www.helpyourteens.com and read Wit’s End! Advice and Resources for Saving Your Out of Control Teen.