Sunday, February 28, 2010
Make Sure Your Kids Know Whats 'Behind' the Dotted Line
Parents, think back to what you've done the last week. Possibly paid the mortgage, balanced your check book, filled out FAFSA forms, or worked on your taxes? How much calculus or geometery was needed to complete any of these items?
The majority of high schools do not require personal finance classes to graduate, nor offer classes in personal finance.
How many students take on loans in order to attend college, not truly understanding what is involved in the re-payment. In their determination to go to college, they sign away not realizing all that comes with being indebted.
I'm not saying student loans are bad. I am saying that signing a loan, lease agreement, mortgage, or any financial document without having learned the math - before signing on the dotted line.
How many young people are going to start their 'adult lives' indebted without knowing exactly how they got there, nor the best way to get out from under it.
Knowing the basics of personal finance is important skill set to have in order to be able to make the transition from living with their parents to living on their own. Understanding exactly what their personal debt/income ratio or the value in budgeting and planning for their financial obligations is too important to not be properly prepared for.
Credit cards are given out like candy, with the details of the relationship in ultra fine print. They are too easy to rely on - often during the very circumstances one shouldn't use credit for, and perhaps should do without. With readily available credit, it makes it too easy to be impulsive in their purchases, especially if they don't have the knowledge that would enlighten them as to why they should NOT charge what they can't afford.
If your school system isn't providing this class, then perhaps you should at home. Open the door to those 'grown up' financial discussions and invite your fledgling adult in to listen and learn. Show them the skills they need to spread their wings on their own successfully.
From my perspective, we teach them to look both ways before crossing the road, we should teach them to look behind the fine print and know what their signing.
Sunday, January 31, 2010
Blow Dryers and Helicopters
Lessons learned - from the new mom to helicopter parents.
After our first son was born; the nurse came to our room, assuming she should take the baby out of the room while I blow-dried my hair. Looking down at my son and glancing skeptically at the blow-dryer, I replied, ‘why?’ then quickly adding, “I do this at home too, he might as well get used to it.”
Our fervent desire to protect our children needs to be balanced. We need to be conscious of what we’re protecting them from. Otherwise our children grow up in a bubble, separated from the realities of life, not learning how to respond to failure or frustration. How will they know how to accept defeat graciously or win with humility if they aren’t ‘allowed’ to fail? How do they learn to recover, if they never have anything to recover from?
Some parents morph into ‘helicopter’ parents, they constantly hover. They swoop in and protect before any harm or foul. These choppers land stocked with accusations, reasons and excuses; whatever’s needed to prevent the sting.
Sadly, they’re preventing their child from learning to grow from the experience. Their children miss learning that basic physics lesson in life: ‘for every action, there is a re-reaction.’Hair dryers blow when naps are needed, tests studied for aren’t always passed, and team rosters won’t always have their name. These things happen. Our children will make many bad choices along the way. People get hurt. No one is perfect, their stumbles, and the lessons learned in picking themselves up are worth the tears and fears in the moment.
Jabbing a fork in a plug absolutely requires our immediate and speedy intervention.
Being passed over for the dodge ball team, does not.
Loving and supporting them, walking with them through the repercussions of their actions - always.
From my perspective, protecting children from every little thing isn’t protection. Doing this teaches kids to spend their lives avoiding any chance of failure, pain or making a mistake, which is an exhausting endeavor and destined to fail. Unfortunately, when failure does happen, they won’t know what hit them.
Take 2 minutes to take a brief survey, it well help my collecting data on various parenting styles.
Click here to take surveySunday, July 12, 2009
Children are Born Negotiators
I believe it is possible to hear out a child, be respectful of their words and perspective, without losing our point.
We told our three year old we understood he wasn't sleepy, while reminding him that he knows, in our family, when it's bed time we stay in our room, in our bed quietly, and we rest. When his rapid fire requests for a cup of milk, or a movie, or one more book, etc., begin, the second we gave in and allowed the negotiation to affect our firmly stated decision, we lost our position.
Doing so, we only undermine ourselves and our child's good night sleep. 14 years later, our commitment as parents to stay out of the 'dance,' is just as important!
Our three year old, now 17 years old, has only gotten better in creatively twisting our logic int0 knots, until (in his mind), it supports whatever he really wants. On our good days, we respond to this behavior with the same thing we told him when he was three.
We acknowledge his position and desire, then immediately follow up with our firm re-statement of how this request is handled in our household, under our rules.
From my perspective, it's always been the times we didn't stay firm and allowed ourselves to get drawn in (kids are good, don't think they aren't) to the dance, and away from our position, that things blew up beyond what was warranted and caused more heartache and frustration than any of the times we presented a united parental front and maintained the rules we have already established and held all accountable to.
Not to say there isn't a time for compromise - just be aware and firm in your convictions - and even with a compromise accountability and agreement among the stakeholders of what and what will and won't be acceptable is absolutely necessary.
We are our children's parents, not their best friends. Be loving and have empathy, but never lose your backbone!
Giving in, doesn't give much to your child, except the immediate gratification rush - which never really fulfills, and only leaves them hungry for more, and more! Our children learning to live within their boundaries and respect what is required of them.... that is what they need, they just might not know it yet.
Saturday, June 6, 2009
June 6th, 2009 the 65th Anniversary of D-day - Do Your Kids Know What D-day Is?
No, the freedom we enjoy today was not easily won, and it wasn't for free, too many people paid too high a price so we could live the lifestyles we live today.
The generation of men who fought that insurmountable battle on Dday so selflessly, won't be with us much longer to share first hand, their experiences that day, or during any battle in the war.If your child has a grandparent or great grandparent alive that was old enough to remember the war, and the changes our country went through during that time, have them interview their grands, and better yet, tape their interview for their children's children. No relatives alive from that era? Borrow one. It's just too important not do connect with that generation before they are gone or unable to remind us of the horrors of war, the horrendous loss of life, the sacrifices at home to support the war and everything else needed to be heard. Memories fade much too quickly to give justice to the sacrifices made that day, to the sacrifices of an entire generation. Any WWII vet that was involved in combat will usually be the first one to stand up and voice the many reasons our country should always, always try diplomacy and any other means necessary to avoid going to war. This too, is an important life lesson for all of us to remember. Children learning when they are children, how to get along with all walks of life are the children that grow up to be leaders, voters and civil servants working hard to get along with all walks of life of different nations, religions, colors and languages. No matter a person's native language, we all speak the language of humanity. I challenge you to find any person, of any color, in any any free nation, that does not appreciate belonging, being loved, being valued and being free. Those men who lost their lives, or changed their lives forever, did so for you, for me, and for all of our children to follow; they did this so all of us would have the freedoms we enjoy today, and will continue to enjoy tomorrow. That is why you should have your children talk to those who were there. History is best learned in a first hand exchange between those who were there, and those who were not. The interaction of storytelling from one generation to another was, in a way, the first internet. The exchanging of information from one group to another. That pivotal battle on Omaha Beach, D-day - June 6th, 1944 and the numerous conflicts that followed are the reason we can blog our opinions, march on the Mall in DC for the causes we believe in, write letters to the White House, and much, much more - all without any negative repercussions from our government. That doesn't happen everywhere, and our kids need to know this! * If you really can't interview someone than go here for a start: listen, look and learn: http://www.army.mil/d-day/ Read Tom Brokaws The Greatest Generation
SEXTING - Happening More than Parents Want to Admit
Parents Please - Be Aware, Be Involved, Be Vigilant, Be Vocal... and always, Be Loving! Guidance done with love, always trumps lectures laced with itimidation and force.Once again, parental/child conversations, (not lectures), on self-worth and self-esteem can play a big part of stymying this dangerous teen trend.
Dinner table talk about the lack of thought that goes into such actions, pointing out the negative repricussions resulting for all involved, and mostly - how sad it is that kids feel the need to do THAT to feel included, wanted or "loved."
Talk so your children will listen, and then, listen so your children will talk.From my perspective, the attention seeking spontaeous wild moment of behavoir at a teen party, usually long forgotten within a week, well.... thats been replaced with things like sexting! Sexting can never be truly forgotten, because it can never be fully erased from the e-world we all now live in.
Saturday, April 25, 2009
Soccer Parents Punished - Poor Sportsmanship Hitting a New Low!
Being your child's advocate means speaking up for their needs, not garnering their 'wants,' or what you believe they want, no matter the cost.With 100% transparency in mind, FACT: For 7 years I have been a "Travel Soccer" Mom. I have seen firsthand, the many positive and unfortunately just as many, negative, aspects of this particular genre of youth sports. The entire travel Youth Soccer parent community was recently re-accused of being an over competitive, unsportsmanlike group of people when a story of horrible parenting hit the national newswires. This is why: The father of a 12 year old soccer player on a Bethesda soccer team in the DC Metro area exhibited completely inappropriate and unsportsmanlike behavoir in response to what he saw as a "bad call" by a parent linesman referee. The father positioned himeself in the refs face and yelled at the parent ref, saying he made the wrong call. As if that wasn't enough, he also yelled at the ref's daughter saying, "your father should be fired!" WAGS(Washington Area Girls Soccer)League's governing body decided the team's parents would not be allowed within 100 yards of the playing field for their next two games. The girl's parents attended,100 yds from the field, some with their binoculars. How did it get to this point? From a game on Saturday and then back to your family and neighborhood friends to this? Perhaps it's the parents over-investment of time, energy and money; they take off of work, schedule famly vacations around and anchor their lives on the schedule of their kid's travel sports schedule. They are simply too vested in the whole process and in doing so, have created a self-fullfilling prophecy of FRUSTRATION.
Perhaps what is needed, is LESS parental involvement.There are places in the world where children growing up play with a ball made of grass, in barefeet, or in the streets. Their parents don't tell them to come in and get ready for practice, nor do they monitor their games. These kids play for the sake of playing. Free from critical eyes pointing out 'mistakes.' Free from constraining rules. Free to be creative and do crazy, silly moves, that one day may be the move all young players strive to conquer... Maybe we need more back yard ball. Sandlot, peer-type self referring. PERHAPS, kids allowed to play, fall down, have arguments and better yet, SETTLE the argument on their own, won't grow up incapable of accepting a defeat or a mistake and yell at their child's ref and another child. In 1974 I was 11 and I walked 2 nights a week to our school for softball or soccer practice, then walked home. Never drank a "sports drink," or 'traveled' to a game. If dad had a lot of yard work, he may or may not make the game - he would always ask, "how'd it go?" maybe, if I looked particularly sweaty, ask if I scored. From my perspective, I think we need to let our kids be kids. Learn the valuable lessons of being a part of a team, and not place too much emphasis on a game other than having a great time, getting fit and learning a sport. Actually, let me re-phrase, I think as parents, we need to be parents, not judge and jury at a 12 year old's game, not defender of the team's pride at all costs. I believe our children benefit from seeing us say, "okay, that was frustrating, but thats life, refs can't see everything..." They learn so much more from that simple statement than any sideline antics. Look closely at your kid, are they happy? Are they having fun? Then be happy. It's enough.
Monday, April 13, 2009
Wise Words
"I don't know the key to success, but the key to failure is trying to please everybody."Bill Cosby said this, and very likely said it while parenting teens. Those teens who manage to have the self-confidence to follow their own instincts and path in life, will not only be very successful, but happier because of it too! Trying to please a group of friends, who don't always know what they need to be happy themselves, is practically a sure bet for being frustrated, un happy and un-successful. As parents, it's helpful to our teens to hear our thoughts behind some of our decisions, so they see our "life logic" at work. Today, one of my teens asked me why I wasn't participating in something she thought I would really enjoy doing. when I explained my perspective that by participating in this event, I was only trying to please everyone, and invariably would fail, leaving me un-happy and unsatisfied with the results. She pondered this, nodded and said, "Yeah, I see what ya mean, it's like your setting yourself up." Score one for the mom! Message transmitted with success!
Friday, April 10, 2009
Parenting: My Top 10 Favorite Quotes About Parenting
Sunday, April 5, 2009
Two Thumbs Up Review for "Kids In Mind" Web Site - A GREAT Parental Movie Guide Resource!
"Sex & Nudity," "Violence & Gore" and "Profanity" each have a numeric,color coded 1-10 rating at the top of each movie's review.A movie with a 9-10-19 rating would be an over the top sexually graphic movie, filled with bloody violence with a script filled with profanity, (probably an "R" rated movie). If the movie has a snapshot of 3-4-3, and your not sure, the step by step detailed description of each category will give any parent I know more than they could have asked for in detail regarding each category.
Phrases such as "man's thigh brushes woman's knee under the table during dinner scene" gives the parent a blow by blow of each shot in the film that could be considered "sexual."A literal word count of each and every profanity, uttered or muttered, in the film is provided. Minutely detailed descriptions of violence and/or gore for those categories give the parent a true benchmark to rate the film with their family values in mind. Each review also includes whether or not there is substance abuse involved in the story and to what level it is included in the film.
Reviews wrap up with suggested topics for discussion and the underlying message of each movie.Being able to read this level of detail, enables me to decide whether or not to allow or not allow my kids to go to a movie with confidence, knowing I am making a well-informed decision. Even when you kid (and they will) sneaks into a movie, and as always you invaribly find out after the fact, you can click here and have an informed "de-brief" with your kid about the movie! From my Perspective, this web site has earned a "Parental Guidance Required" two thumbs up! Check it out, bookmark it in your favorites, and tell the other 'rents on the block about it. Having this resource in your parental arsenal of tools will help you parent your children as best you can.
Saturday, March 21, 2009
Will Your Child Become an Alcohol Related Death Statistic? - Every 15 Minutes Someone Dies in an Alcohol Related Car Crash
Every 15 Minutes, a service targeted at High School students and their families, is an incredible program that illustrates, as realistically as a possible, the direct affect these deaths have on all the lives of the people connected to the victim. A National program, it started in the 90's with their mission being: help high school juniors and seniors realize the unnecessary tragedy that can result from an unsafe decision, or bad choice. Image from http://www.every15minutes.com/.
The program is dramatic, realistic and involves the students,staff, parents and local authorities. If you have been fortunate enough to be a part of this experience, I encourage you to speak up and let other parents know the importance of advocating a program like this where their children attend school.
In addition to writing my son's obituary for the school paper, I will be contacted by a member of our police department and told - in the exact language of an official notification of death, that my son passed away in an alcohol related crash.
Whether your child is the one that has never taken a drink, or the one with the adventurous streak who is willing to try anything once it doesn't matter. ANYONE can be a victim and ANYONE can make an impulsive decision, outside of their character, with life changing results.
Monday, February 16, 2009
Parenting after Growing Up a Child of an Alcoholic
On average 1 in 6 families are living with the effects of alcoholism.
If you grew up as a child of an alcoholic; please try to look closely inside yourself, your true feelings, and your true state of mind. Do you feel you dealt with "all that" back in the day, its done and behind you?
Break the cycle by more than not drinking. It is just as important to break the cycle of silence by talking to your kids.
- They will love you and respect you for it.
- They will love and respect themselves and understand themselves.
- Afterwards, they will understand everything about their household a little bit better.
Only when you identify the big, invisible dragon in the room can you begin to slay it. From my perspective, by opening up and communicating about your childhood, you will finally be on the road to recovery. Better yet, you will all be on the road together - truly together, not just next to each other, in the same house, but together in love and support of each other.
Saturday, December 20, 2008
A Parent's Confession - The Best Holiday Present...Our Presence in Our Children's Lives
Saturday, December 6, 2008
Topic Four Teen Parenting Series - How to Dodge the Bullet of Teen Nagging
Many of the articles I post here are from things I've read about and learned over the years.
Not so with today's post. This is just my pure gut feeling and instinct with respect to the nagging or whining teens tend to do and why they often fall into doing this as a matter of habit.
If you leave my blog with anything from this article, please have it be this: CONSISTENCY. Maintaining a consistent value system, rules of the house, and line of communication between your teen and your self is KEY.
The parent who is easily swayed, is often nagged. Nagging or whining is simply a means to acquire the desired end result.
- Once the behavoir is rewarded with what they wanted, you might as well get the dog food out for Pavlov's pooch. The kid has heard your bell, and is salivating at the thought of getting what he or she wanted.
- If nagging got it the last time they wanted something, they will sure as heck do it again. If your teen knows whining wears you down faster than anything....be prepared for the siren sounding whine your teen knows how to make to get you to cave early.
Parents also need to be consistent in their response, be on the same page on what (for the most part - never say NEVER), is acceptable and reasonable requests within their household.
- If your teen manages to divide Mom and Dad, you will most certainly fall, divided you are always weaker and they zero in on this like shark going for blood.
Set realistic expectations in a firm but loving way. For example, if you were taking just about ANY teenage girl between the ages of 13 and 16 to the mall:
- Almost guaranteed their expectations of that shopping trip will be much different from yours.
- If you don't adjust those expectations; you are creating your own misery.
- Give your teen an enviornment to be successful in. A successful brother, sister or child.
- By setting the expectation first (as in before you go inside the mall), you are dodging the nagging bullet.
- When you are very clear and concise about what the purpose of this trip to the mall is, you have given them a clear expectation and you are giving them an environment to be successful in.
This is one of the best things I've ever done with my daugther prior to a trip to her mecca. Now shopping trips are fun; a time to bond, chat and enjoy each other's company. I am the first to admit, this wasn't always so. The majority of the time it was my fault by not being consistent, so she always had a glimmer of hope that maybe this time, if she asked often enough, or spun me around enough she would get that ______ (fill in blank with the latest "MUST HAVE") desire of a 13 year old girl.
Always, always try to keep in mind:
In relationships communication is KEY! Informed people are confident people.
An uniformed person's imagination is usually worse than the reality of the situation.
By not communicating clearly and leaving too much to the imagination you have given your teen no option but to fill in the blanks themselves. In the case of our example, you will have a battle on your hands from the time your feet hit the tile of the mall.
It doesn't have to be this way. Nagging for things, and whining about what we don't get isn't really acceptable behavoir.
Then why do we find ourselves faced with it more than we would like?
It occurs when: there is disparity on what parents allow and don't allow, when there hasn't been a lot of straight talk between parent and child, and when teens aren't clear on what to expect and not expect.
Teens, like ourselves, only want to know what the scoop is whats the 411, etc, Making them guess puts stress on your time together. There is very defined amount of time together as parent and child, they grow up too fast!
From my perspective, parents need to do all we can to enhance our time together with our children!
Monday, November 24, 2008
Topic Two in Teen Parenting Series - Teen Cue Words: the Words All Parents Should Have in Their Parenting Dictionary
A series providing parents of teens 9 strategies to help improve communicating with their teens and work towards creating a better parent/child relationship.
I call these "Cue" words, because argumentative interaction with our teen-age kids should be our cue to switch words or our manner of speaking with our teen. Changing a few key words when interacting with your teenager will rescue you from the constant feeling of having verbal arrows thrown at you by your teen!
Today's installment covers Teen-Talk Rule #1:
When talking with your teens, try using "It" instead of "You" in your conversations. By making this simple change, you will immediately feel the benefits!
By doing this, parents avoid having their teen feel they are being judged or evaluated. When speaking to a teen, each time we insert the word “you,” in their world sounds like we are judging them.
Example:
- Before: “Kathy you really need to go to bed now.”
- After: “Kathy it’s getting late, it really is time to go to bed now.
Saying you have to go to bed may seem logical to the parent but to the teen they hear, “what have you been doing all night, why are you late, why are you off schedule?” and with that in mind they take it personally.
Because our teen feels this way, they revert to a defensive position, which is why they normally would respond to our request for them to go to bed in a defensive manner. Not usually brimming with sugar and spice and everything... This tactic can also be applied to non-directives but in simple conversation: Example: Your child is talking about a bad day at school, how he didn't get to complete his gym class, he was sent to the school office.- Before (Parent): “What did you do to get sent to the office.”
- Your teen is immediately feeling defensive, and you don’t even know what happened yet, and will probably react in a very argumentative way, “I didn'tdo ANYTHING."
- After (Parent): “What happened during the class?”
- While you don’t have to actually use the word “it,” by focusing on the event vs. your child individually, they will not feel as threatened or judged.
When I implemented this change in my vocabulary, I was amazed at the results. The "IT" changed as a I referred to it when I first learned about it was a lifesaver for me!
The "IT" change also supports the Victim/Villain roles referenced in the first installment of this series. When saying "you" to our teen, knowing what we know now, it is easy to see that it could instantly cast our teen in the "victim" role, because they are feeling personally "attacked" vs, just an inquiring mind wanting to know how it went in school today!
Once you try this strategy, please post your experience on the comments, we can all learn together from each other's experience. In this case, we'll say, "it takes a virtual village to raise our teens!"
Next topic in the series: Teen-Talk Rule #2 - PULL out the Positive!Sunday, November 23, 2008
Teen Parenting Series: Creating a Better Relationship with Your Teenagers
- Parents need to constantly remind themselves teens are a different breed of person. Teens feel they can conquer anything, they are invincible. Their friends are their world, and they want to belong and be different all at once.
- Don't go overboard on accusations, or yelling. Simply state the facts, "John, you are late, we agreed your curfew was midnight."
- Don't respond to his excuses with, "you are ALWAYS late." Sweeping statements only open the door for their immediate response and self-validation that you don't "get it."
- This simply supports their role as Victim. Simply stay firm and clear, "yes, but midnight was the curfew we agreed to."
- If you are NOT the Villain, you will be amazed at how quickly they don't have a quick counter attack. It's amazing. The conflict ends.
- Slipping back into "Villain" you only perpetuate the argument, because the "Victim" will always have a comeback to the "Villain."
- This promotes the possibility of an even worse scenario: your partner in parenting may feel the need to come to the rescue, as the "Hero," just to end the argument.
- Being the "Hero" to a partners "Villain" only underlines your teens ability to divide and conquer the parenting team.
- On the flip-side, don't slip into "Victim" yourself by using tried and not true: "if you loved us, you would know we were worried, why do you do this to us, don't you even care?" When they are having fun with their peers, they have the attention span of a lightning bug.
- Your teen cares about you, the point is they didn't think about you at that specific moment of their decision. Never state anything you know deep down isn't true, saying it all is being more about you. It is an emotional response that will never bring the hoped for outcome.