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When should you give your kids a credit card? Should you wait until they're 18 and off to college? Or is younger better? This can be an explosive topic for parents, many of whom have very strong ideas about what's best for their teens when it comes to credit. A new ABC News poll found that 71 percent of parents are opposed to giving kids a credit card before the age of 18, even one that has a restricted balance and is linked to a parent's account."GMA" assembled a roundtable of moms and dads with children between 8 and 17, who were passionately divided about the topic. Some said children need to have access to credit to learn how to use it safely, while others were adamantly opposed to the idea. Most parents agree that kids should learn to save and budget and should earn their own money. But when adults are struggling with their own credit along with the increasing and complex material needs of children, it can be difficult to decide when to help them get plastic. What's the Appropriate Age? Mellody Hobson disagrees with the majority in the ABC News poll, and advises getting your child a credit card linked to your account at 16. She thinks 18 is too late because, at that point, you no longer have total control over your child's spending and credit habits. Parents should look at 16 as a milestone age, she says. We already equate turning 16 with getting a driver's license, 18 with the right to vote and 21 with the right to drink. Make 16 the age you start teaching your child about financial independence and responsibility. Benefits of Giving Your Teen a Card-You Can Monitor and Control Activity A credit card can give you some control over your child's spending and credit management skills, especially before they go off to college, Hobson says. You can discuss with them the proper way to use credit before they get a card of their own, kind of like credit with training wheels. You get to see all of your child's transactions in your monthly statement if they are an authorized user on your card, and you will be able to better recognize any impending issues and problems they might develop in the future. MY VIEWS: View the video and tell me what you think? Personally this has made me recognize that I can handle finances with my sixteen year old son differently. I’ve been holding a credit/debit card for him and when he gets paid, I would take a few dollars from him and match it and put it on his debit card for when he started college, but now I see that I need to give him the card so that he can learn how to handle his credit himself. Even though I still feel a child shouldn’t get a credit card until he has a job, this is a good eye opener. What’s your opinion? Kids Won't Have to Carry a Lot of Cash There's one other really big advantage to giving your 16-year-old a credit card, Hobson says. By giving your child a card, you're making sure they will not be carrying a ton of cash which can be very unsafe for them.
I wrote this paper for one of my classes and thought I would share..any comments, thoughts welcomed..
The omega-3 fatty acids in the fish oil may help brain cells repair themselves and remain intact – while the actual cause of schizophrenia
is not known, researchers speculate that people with this particular
type of mental illness do not process fatty acids properly,
which may lead to damage of the brain cells.
The research was funded by the Stanley
Medical Research Institute, a nonprofit in Chevy
Chase, Md., that supports research on schizophrenia and bipolar
disorder.
Omega-3 fatty acids help to reduce inflammation in the body while omega-6 fatty
acids tend to promote inflammation. The average American diet contains nearly 14-25 more omega-6 fatty acids than omega-3 fatty acids. On the other hand, the Mediterranean
diet has a much more healthy balance between the two fatty acids – it does not depend so heavily on meat, but relies on foods higher in omega-3 fatty acids such as fish, olive oil, and garlic
in addition to wines.
However, one can still raise their consumption of omega-3 fatty acids without much change in diet through the use of fish oil supplements.
Not only does omega-3 reduce inflammation in the body, but also may help lower the risk of diseases such as cancer, heart disease and arthritis as well as skin conditions such as eczema.
If you do decide to take fish oil supplements, remember to look for high quality fish oils that are screened for mercury contaminants.
And as always, consult a medical professional who can provide you with individualized information.
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Promote your book before it hit stores!! We've created a Pre Book Release Promotion Package for those who are ready to promote their book before it hit stores. Check out our Pre Book Release Promotion Packages: http://fromawriterspovmagazine.com/issue/march-2010/article/pre-book-release-promotion-package
I sometimes get asked for advice by friends or colleagues for suggestions on how their sibling, child,nephew, niece, or grandchild can establish a career as a professionaldancer, and also, if it’s a career that will offer stability andlongevity at some point.
For details on how to pursue a career in dance, check out my article, “TheProfessional Dancer’s Survival Kit”.
To learn about wages and salaries for dance instructors, check out the article, “WindowInto Wages“, highlighting our Kiner Enterprises Inc. Dance IndustryReport.
In the meantime, check out why professional dancers make great business people!
Qualities of a Professional Dancer:
-Passion
-Vision
-Strength
-Tenacity
-Determination
-Discipline
-Know-How/Talent
Qualities of a Successful Business Person:
-Passion
-Vision
-Strength
-Tenacity
-Determination
-Discipline
-Know-How/Talent
It’s no wonder that so many professional dancers are able to transition into, or compliment theirpassion for dance with a successful business career!
Whether it’s opening a dance studio, starting your own dance company or clothing line, publishing adance magazine or website, or founding the 1st and only national danceteacher staffing agency in the U.S. (Kiner Enterprises Inc.),dancers are more business savvy than you think!
The main key, in my opinion, that separates the dancer, from the dancer/business person is the desire tocreate your own “Big Break”. Many dancers dream of getting their “BigBreak” in their dance career, that one job, show, or gig that takestheir career to the next level, and opens the doors of opportunity. Theyhope and dream, and wait around for someone to recognize their talent,and pave the way to success for them.
However, it is the dancer who is interested in creating their own “Big Break” that experiences therewards of a successful business career. The journey of entrepreneurshipis a complicated one, and the path to success is very bumpy,unpredictable, and doesn’t have the straightforward equation of“audition equals job”. But, it’s well worth the tumultuous journey!
My advice to any dancer interested in launching a career in business, whether it is dance-related or not,is, go for it! You already embody the innate qualities of a successfulbusiness person! The only thing holding you back is you! Good luck!
Have you ever done a particular task or activity while you were distracted, then again when you were focused? Could you see/feel adifference? Were the results different?
I’m from the school of thought that, in order to do something well, and get it done in a timely manner, you need to focus on that oneparticular thing, preferably without interruption, if possible. I don’tsay that because it’s easy to do, but because, based on experience, it’sthe way you get the best results, and get things done within areasonable time frame. However, if you think that by simply “focusing”,your phone will stop ringing, e-mails will stop coming through, orpeople will refrain from disturbing you, I would say that you’re a bitdelusional! That’s not going to happen. Mastering the power of focusrefers to being able to block out that which is around you (or evenwithin at times), or anything outside of what you’re focusing on, inorder to complete a task or activity, fulfill a purpose, or reach agoal.
Ever wonder why parents say to their children, “no tv until your homework is done”? Because they want their child to focus on the task athand, and get it done.
How do you think gold-medalists, professional athletes, performing artists, public speakers, etc. are able to excel under very stressfuland high-pressure circumstances? They have mastered the power of focus.
Now I must warn you, some people may not appreciate your new-found “power of focus” attitude, because it means that they may not have thesame access to you that they once had. You may take a little longer toget back to someone, or you may have to say ‘no’ on occasion, becausewhile you’re focusing on one thing, other people/things will have towait. People, in general, tend to have a lack of patience, especiallynowadays with the speed of technology that we’ve all grown so accustomto. So be prepared for some opposition.
If you start to feel guilty, or wonder if it’s all worth it or not, just think about your doctor. Would you want him/her to examine you, andtwo other patients at the same time? Would you mind if he/she wastexting while doing surgery on you? Or would you prefer that his/hertotal and complete focus be on you, until the task is complete? Ialready know the answer to that question.
Please note that while writing this blog post I did not check my e-mail, BBM, text, answer calls, or check voice msgs once. :)
Stay tuned for “Mastering the Power of Focus” Part 2, where I’ll discuss how mastering the power of focus can improve your health andwellness. If you have questions, or a specific topic you’d like me tocover in this series, please feel free to leave a comment.
This blog post from Kiner Enterprises Inc. Dancer's Blog, http://danceprosusa.wordpress.com.
After 11 years of marriage Naaja and Rolly decided to do it all over again on February 7, 2010 in Pearland, Texas. To see more pictures capturing this beautiful milestone visit Soulful Engagements.
On my graphics design list a few weeks ago were two similar projects. Twitter backgrounds for friend and client @richelleshaw and my new project @blackbizwomen. While I'm no twitter fanatic, I am aware of the value of keeping your business brand consistent across all social platforms. Did you read probloggers post: Top Ten Ways to Drive Traffic to Your Small Business Blog Using Twitter? Number 4 on his list was Brand Your Small Business Twitter background.
In a sea of competitors, you want online viewers to remember your business and the best way to do that is by visually building your brand. If you need a twitter background, let me know and I'll send you a price quote.
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Given all of the pressures and issues today’s tweens face, the internet is both a blessing and, potentially, a curse. Many local companies and entrepreneurs are taking up the cause to make the internet, and specifically social networking, a safer environment for tweens.
Many tweens are just being awakened to the allure of the internet world. Their initial exposure may be limited to just sending email or looking up items on Google. However, Facebook, Myspace, and Twitter usage will likely come into play for tweens as well.
To assist in the issue of protecting tweens online, a new social networking site, called BFF less than three, is being created. The creators, Roy and Ed Suda, are recent Illinois Institute of Technology grads. For those new to social networking and internet lingo, “BFF” is short for “Best Friends Forever” and the less than three (the number three) looks like a heart laying on its side.
This new network will focus on the security and safety of tweens by employing a couple of methods. First, the network will use the idea of “necklaces” to not only verify the user, but to also make it possible, once the user is verified, to connect only to others that the user knows. Secondly, the network will provide parents a report, via email, so that they can regularly see the communication trail of their tween. Such safeguards will help parents to mitigate the risk and exposure of online predators.
While the BFF network sounds like a potentially great social network for tweens, there will still be the need for parents to actively monitor their tween’s online usage. Starting with mentally accepting that the online world is a major component of how this generation communicates is key. Parents who may not already be internet or computer savvy will need to educate themselves more thoroughly in order to effectively help in the safeguarding tweens as they mature in their own personal internet and social network usage.
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About the Author:
Traci S Campbell is the top advocate for tweens and teens from single parent homes. She is the host of Heroes at Home Radio dedicated to providing single parents with inspiration and motivation by featuring other single parents and the author of The C.H.A.M.P. Within program designed to enrich the lives of children and teens from single-parent homes.
Your-Mind and thoughts
Your- Mouth and words
Your-Emotions and attitude
People-Their behaviors and opinions
Money-Greed and overspending
Things- The lack of and never enough
Wanda C. Thomas
Wise Wealthy Woman Trainer
My name is Chloe Womack and I'm the the founder/C.E.O. of "Yes I Am My Sister's Keeper".. I am also an Author of one of the hottest books released this year "Yes I Am My Sisters Keeper and The Controller of My Destiny.. I am also a certified lifestyle coach with over 30 clients..
