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.

Order today

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

Homeless Teens is a Growing Problem in the U.S.

Cast-offs, teens that are homeless and in a desperate search for a home.

Shocking statistics of the number of homeless teens that are living on the streets of the U.S.
According to ABC News 20/20 report, there are teens in our country that are slipping through the cracks.  Many are not drug addicts or even bad kids, but their home life has become unbearable or their parents had lost their home.

20/20 followed four teens for the past 14 months and the journey was frightening and very sad.  From a teen, George, that was literally put on a Greyhound bus with $50.00 in hand to be sent with a relative that didn't exist, to another teenager that is struggling with his sexual orientation and not getting the support she needed to the point of several suicide attempts.

You may think that the boy that was put on the bus was in trouble, defiant, violent or abusive at home: Not true.  He simply was rejected by his own family.  George, against all odds, found a youth shelter and got his life on track in spite of the rejection.  He graduated High School and now attending college.

To watch his story and the others, watch the video.

Continue reading on Examiner.com: 2 Million homeless youth in our country - Jacksonville Parenting Teens | Examiner.com http://www.examiner.com/parenting-teens-in-jacksonville/2-million-homeless-youth-our-country#ixzz1CYLLMyi7

Prescription Drugs: 8 Most Common Abused RX Drugs

What is in your medicine cabinet?  Do you have teenagers?  Did you realize your own home could be the start of your teen's drug use?

After speaking with several parents of teens in Ft. Lauderdale, it was a similar response, 'not my teen, she/he knows that it could potentially harm them.'  Really?  Did you know that even over the counter medicines such as cough syrup can have deadly endings?

Prescription drugs have done wonders for patients suffering from any number of pains, illnesses and diseases. There’s no doubt that prescription drugs have changed the face of medicine and we’d be in trouble without them, but these miracle pills also come with a heavy dose of danger if misused and abused.

Here are the 8 most abused prescription drugs:

1. Stimulants: Stimulants are prescribed to increase alertness, attention and energy in patients with attention-deficit hyperactivity disorder (ADHD), narcolepsy and, occasionally, depression. Stimulants increase blood pressure, heart rate and respiration. Prescription stimulants, such as dextroamphetamine (Dexedrine and Adderall) and methylphenidate (Ritalin and Concerta) work by stimulating the norepinephrine and dopamine chemicals in the brain and increasing dopamine activity. Stimulants often improve mood, relieve anxiety and may induce a sense of euphoria, which makes them highly addictive. Stimulants are commonly abused for recreational purposes and performance enhancement to achieve weight loss and increase energy. To achieve a greater high, stimulant abusers often crush up the pills and snort or inject them. Stimulant abuse can cause serious health consequences, such as rapid or irregular heartbeat, heart failure, delirium and digestive problems.
2. Opioids: Opioids are commonly prescribed to treat pain because of their strong analgesic effects, but these powerful drugs can be highly addictive when abused. Opioids include a wide variety of prescription narcotics, including morphine (Kadian, Avinza), codeine, oxycodone (OxyContin, Percodan, Percocet) and other related painkillers. Morphine is typically used before and after surgeries to alleviate severe pain, whereas codeine is prescribed for mild pain and may be used to relieve coughs and diarrhea. Opioids work by attaching to opioid receptors in the brain, spinal cord and gastrointestinal tract and block the perception of pain. They can cause drowsiness, nausea and constipation, in addition to producing a sense of euphoria by stimulating the pleasure regions of the brain. It’s this euphoric feeling that makes opioids the most popular type of prescription drug to abuse. Many abusers will crush up opioids, such as OxyContin, and then snort or inject them to enhance their high, which consequently, increases their chances of an opioid overdose.
3. Barbiturates: Barbiturates are within the family of central nervous system (CNS) depressants, which are prescribed to treat anxiety, tension, epilepsy and sleep disorders and sometimes used as preanesthetics to promote sleep before surgery. CNS depressants are commonly referred to as sedatives and tranquilizers because they slow normal brain function by enhancing the activity of the neurotransmitter gammaaminobutyric acid (GABA). The most common barbiturates prescribed are mephobarbital (Mebaral) and pentobarbital sodium (Nembutal). Barbiturates are commonly abused to counteract the symptoms of other drugs, both prescription and illegal drugs. Abusers may combine barbiturates with medications that cause drowsiness, such as prescription pills, over-the-counter cold and allergy medications and alcohol to achieve a greater high, but doing so increases the risk for slowed heart rate and respiration that could be fatal.
4. Benzodiazepines: Benzodiazepines are also within the CNS depressants family. These sedatives are prescribed to treat anxiety, acute stress reactions, panic attacks, convulsions and sleep disorders. Common benzodiazepines, such as diazepam (Valium), alprazolam (Xanax), chlordiazepoxide HCl (Librium) and estazolam (ProSom), are generally prescribed for short-term relief to prevent abuse and dependence issues. Like barbiturates, benzodiazepines also affect the neurotransmitter gammaaminobutyric acid (GABA) to decrease brain activity and produce a drowsy or calming effect in anxious or restless people. People commonly abuse benzodiazepines to counteract the effects of other drugs. The drowsy, calming feeling of benzodiazepines is often enhanced when abusers take them with other prescription pills, OTC cold and allergy medications, and alcohol, which can lead to a slower heart rate and respiration and result in death. Also, discontinued use of CNS depressants in large doses can lead to dangerous withdrawal symptoms such as seizures.
5. Sleep Medications: Prescription sleeping pills fall into the family of CNS depressants and are used to treat insomnia, when people have trouble falling asleep, staying asleep, or both. The most commonly prescribed sleeping pills to treat sleep disorders are zolpidem (Ambien), zaleplon (Sonata) and eszopiclone (Lunesta). Although these medications have similar side effects as the benzodiazepines, they are called nonbenzodiazepines because they are structurally different on a chemical level. Even though they appear to have a lower risk for addiction and doctors usually prescribe them for two weeks or less, they are frequently abused and can be highly addictive. People often become reliant on sleeping medications because they cannot fall asleep or stay asleep without them. Abusers may also become addicted to the drowsy and calming feeling caused by these sedatives.
6. Anabolic Steroids: Anabolic steroids are used to increase muscle and bone mass. Anabolic steroids are legally prescribed by doctors to treat males who produce abnormally low amounts of testosterone so that they do not experience delayed puberty, osteoporosis and impotence. This muscle-building kind of steroid is also used to treat patients with AIDS and other diseases to prevent the loss of lean muscle mass. Anabolic steroids are widely abused by teenagers and athletes of all levels. They can be taken through tablets or capsules, injected directly into the bloodstream, ointments or skin patches and oral preparations. Those who abuse steroids and use them for non-medical purposes have a higher risk of developing short-term and long-term health consequences, such as severe acne, stunted growth, aggression, high blood pressure, liver cysts and cancer and much more.
7. Muscle Relaxers: Muscle relaxers are prescribed to treat acute muscle problems and chronic pain that cause painful muscle spasms. They can also be administered to treat pain from fibromyalgia, spinal cord injuries, multiple sclerosis and cerebral palsy. Baclofen, Tizanidine and Zanaflex are commonly prescribed to reduce spasticity at the level of the spinal cord, and certain benzodiazepines, like Valium, may be used to relieve muscle spasms. Muscle relaxers work by reducing muscle tone and relaxing tenseness, while others affect skeletal muscle fibers and nerves. Muscle relaxers offer temporary pain relief, but do not heal the problem. Much like other painkillers, muscle relaxers can be addictive because they offer pain relief, pleasure and a euphoric calmness. Those who abuse muscle relaxers may take more than the prescribed amount and mix it with other medications or alcohol to enhance their high.
8. Fentanyl: Fentanyl is a powerful synthetic opioid that has the same painkilling benefits of most opioids, but is more potent than morphine. In a class of its own, fentanyl (Actiq, Duragesic, and Sublimaze) is generally prescribed to patients with chronic, severe pain and can be given to cancer patients. Due to its strong analgesic benefits, fentanyl is also a commonly abused drug. Like other opioids, fentanyl binds to the brain’s opiate receptors and work by blocking the perception of pain. As dopamine levels in the brain increase, users feel a sense of euphoria and calmness. People who abuse fentanyl will often mix the prescription drug with heroin, cocaine or other illegal drugs to amplify their high. Fentanyl abuse and addiction is accompanied by several short-term and long-term health consequences, such as respiratory depression and arrest, nausea, confusion, sedation, unconsciousness and coma.

Special contributor: Celina Jacobson of Masters in Health Care

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

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Get Your Kids Outside: 15 Ideas to Have Fun Outside

I bet everyone will be reading this!  There isn’t enough “outside” time for kids today.  When you think back to generations prior (including my own), we were always outside playing, building forts, riding bikes etc…. Of course, times have changed, but we can still encourage our kids to put down that controller and get outside!

Kids are playing more video games than ever before. Whether it’s on a pricey game console or on the computer, kids as young as three years old are playing video games. Sure, some may have educational lessons, but the vast majority are for mere fun and suck away the hours on a summer day. Get your kid outside and moving with these tips to get them away from video games.

1. Go for a nature walk. Kids seldom know much about nature, outside of the basics they learn in science class. Take your kids to explore the outdoors by taking them on a nature walk. Don’t worry if there’s no national park nearby, you can go down a trail at your local park or in the neighborhood and spot bits of nature as they turn up. Check out birds and collect neat leaves and flowers along the way. It teaches kids to appreciate and respect nature and gets them in tune with the great outdoors.
2. Share old school games with your kids. Today’s typical six year old may not know what Red Rover is. It’s too bad since the game is a blast! Share old school games with your kids that will make them want to get outside and start Red Rover games with their friends and neighbors. This is a great game to play at a kid’s birthday party too, since there are usually plenty of kids around.
3. Hit the beach. Appreciating nature comes with seeing the many parts of it. Showing your kids the beach will expose them to the sun and sand and you can incorporate a few lessons on erosion if the crowd is interested. Of course, if your kids are swimming the day away in the water, that’s fine too. Collect seashells and walk along the shore spotting crabs along the way.
4. Go to the park. This one seems basic, but once upon a time, the park was where most families spent their weekends. Now we tend to spend the weekends running errands or at the modern day park, the mall (insert shudder here). Take your kids to the park and let them do what they want. This is a great place to let them run wild because it gives them an opportunity to interact with other kids and play on things they may not have a chance to play with otherwise, like the jungle gym or see-saw.
5. Visit a public pool. If your kids don’t regularly get an opportunity to swim, taking them to a public pool one or two weekends a month during the summer will shake up their outdoor routine. Playing in the background can grow tedious, even for the creative bunch who love the outdoors, so get your kids in the pool swimming. Most public pools are free, so pack a lunch and go early and stay late.
6. Go camping. This one is a little tricky because depending on where you live and whether or not you own a vehicle, it becomes more or less accessible. If you can go camping with your kids, take them! You’ll appreciate seeing them in new territory (and vice-versa) and it makes for a great bonding experience. Don’t forget to pack the camera, so you can take photos of the family fishing or swimming in the lake.
7. Play baseball. Gather up a few kids from around the neighborhood (or invite school friends or cousins) and set up a game of baseball at a local diamond. It’s fun, cheap and many kids will want to play again and again. This one isn’t exclusively for kids either. Teams can be comprised of both adults and kids for a fun dynamic.
8. Start a garden. This is one surefire way to get kids outside, day after day. Starting a small garden will teach kids responsibility and how to get friendly with nature. Your kids will watch their plant or fruit or vegetable grow and appreciate the process and hands-on activity that requires time in the sun, almost daily.
9. Go for a hike. It’s similar to a nature walk, but instead of spotting things along the way, you’re more just enjoying the scenery as a whole. Kids can get some fresh air and take a look at what the outdoors, besides their backyard, look like. Hiking is an affordable trip if you live near a park with sizeable trails and small hills that kids can climb to the top of to appreciate the view.
10. Play catch. No park or major yard is required! Find an empty parking lot and play catch for hours with your kid or a group of kids. Baseball gloves for kids are usually affordable at sporting good stores and can be had for even less during the off-season. Plus, the glove will come in handy when you set up that game of baseball.
11. Take photos of your neighborhood. You’ll be surprised at how careful a kid is when trusted with a digital camera. We aren’t saying to hand over your $600 DSLR, but letting your kid toy with an affordable digital camera will make them see their neighborhood in a new light. It’s a great way to teach them about shadows, lighting and proportion. Hand the camera over and let them take photos. Then head home, upload them and pick out the memorable places you’re accustomed to seeing daily.
12. Watch the clouds. This is a free, simple activity that younger kids will enjoy. On a warm day, head outside with a few snacks and watch the clouds dance by. Point out funny shapes that remind you of things and watch how the sun changes as the clouds make their way. In this setting, kids will usually organically start playing games of tag and running around, so be prepared to stay outside awhile
13. Go stargazing. This can be at a park or in your own backyard. Set out a blanket and gaze away on a starry night. Use a constellation book to guide you through the stars you’re seeing or download Google Sky for a tour of the sky from your very own backyard. It’s a free activity that will open your kids to the world of astronomy and make them look up at night in a while new way.
14. Shoot some hoops. Even young kids will enjoy yelling, “Brick!” as their parents attempt to make a basket. This is a fun way for any number of friends or family to get outside and start playing and working up a sweat. Plus, as long as you can see your kids, it’s a game they can go at alone without worrying about anyone getting hurt.
15. Go bird watching. To do this, you can spot birds at random or take along a book to see if you see any of the birds on your journey. This works best if you’re in a park or wooded area where birds tend to gather. Bird watching is a fun family activity that many children take to because it gives them a closer look at nature than checking out plants and flowers.

Video games are tons of fun, but for youngsters, playing time should be limited to a couple of hours a week. If you show your child some fun ideas for getting outside and playing, they’ll be more apt to put down the video game controller and have some fun in the sun.

Guest post by: Henry Baker of How to Become a Pharmacist