Teenagers Education
Teenagers and Money – 8 Ways to Help Debt Proof Your Teenager
Posted on May 5, 2012 |
While there is speculation as to whether or not we are in a recession, there is no doubt that as a country we are facing difficult financial times. While some may be pessimistic about the current financial difficulty, times such as these can be prime opportunity to educate your teenager about money. With historic foreclosure rates, recurring job losses, and volatile stock market conditions, what is it that you tell your teenager about debt and money? Here are 7 ways to debt proof your teenager:
1. Teach them about interest
Interest is a part of money management just as the dollar bill. Without it, banks could not operate, and many would not be able to secure housing. A lot of teenagers can read about interest and even tell you what it means. However, there is nothing like experiencing it to get its full meaning. Find a practical way to help your teenager gain a tangible understanding of interest.
2. Teach the advantage of saving over immediate gratification
As consumers, we all know what it means to want something – and want it now. Patience is not a virtue that many can apply to object of our hearts desires. Credit makes it way too easy to fulfill our self-imposed desires for the “must haves” of our lives. For some teens, this temptation can be overwhelming. Yet, there is maturity in being able to save for those things we want, rather than paying more for it with the interest that comes from credit.
3. Educate the proper use of credit cards
Spending more than they have earned, you do not have to look far to find an adult that has gotten into trouble with credit card debt. Credit cards are not necessarily evil, but a convenient method of payment in the hands of responsible users.
4. Limit borrowing
There is something satisfying setting a financial goal, and earning enough money to meet it. Sometime loaning money to teenagers can rob them of the opportunity to gain resourceful financial skills. Encourage the entrepreneurial spirit within your teenager. You both may be amazed at the results.
5. Help them learn budgeting
To some budgeting may hold a negative connotation, one that is filled with restrictions and limitations. However, if done right, budgeting can eliminate financial stress and promote inner peace. If you know where all your money is going, then there is no guessing or the stress of trying to figure out how you are going to pay for your bills. There are many are many resources available to help your teenager learn how to make and keep a budget.
6. Teach them to save, save, and then save
Saving is not only important for getting the things we want, but it is also a safety net for when life’s mishaps occur. Without a proper savings account to cushion the blow of financial crisis, credit become and inevitable solution. Having a savings account will reduce stress when problems arise because a person is financially prepared.
7. Use financial tools
Do not be afraid to use the many financial tools available to help your teenager develop healthy money management skills. Debit cards, accounting software, online banking and checking accounts can be great tools to help educate your teenager about finances. Check with your financial institution, local library, and financial professional about possible resources for teenagers.
8. Get some financial counsel
If your teenager, or even yourself, do not have healthy money management skills, then I encourage you to get some help. Check your local community for financial counseling, classes or financial workshops. Contact a financial professional that can help your teenager gain positive financial advice and how to stay out of debt. Or consider taking a class as a family. It is never too late to learn.
Financial habits are taught, not assumed. Many adults that have spending problems or excessive credit card debt may never have learned how to handle money. The habits that are taught as a teenager and cultivated as an adult can have life changing implications for your teenager.
The Problem of Unwanted Teenage Pregnancy
Posted on April 9, 2012 |
In many modern societies, unwanted teenage pregnancy has been on the rise. A girl who has not reached legal adult age and is pregnant with a baby is defined as teenage pregnancy. Of course, the legal adult in different countries differs. In some countries, the adult age may be 18, while in others, the legal adult age may be 21. Teenage pregnancy causes several problems for the teen herself, and for the people around her. The most immediate concern is that the teenage is not financially independent yet. So family members tend to worry about her livelihood. Without financial independence, child rearing responsibilities often fall on other family members like the parents. Furthermore, as teenage pregnancy is often unplanned, the incident may throw all plans into disarray. For example, the teenage may have made plans to pursue an education or a new and exciting career. Now that a baby has come into the picture, all plans may have to be shelved. The baby has to come first. Despite such undesirable consequences of teen pregnancy, why are teenagers all around the world still getting pregnant prematurely? Let’s examine some causes. In many third world countries, a large percentage of the population is not literate. Without opportunities for a proper education, they are ignorant of the consequences of teen pregnancy. Without an awareness of the responsibilities that come with child rearing, many teens engage in unprotected intimacy. As a result, they become pregnant even when they do not have the slightest intention of having a baby. But the teen pregnancy problem is not exclusive to third world countries only. Developed countries have also been experiencing a rise in unwanted teen pregnancy. In such countries, educational opportunities are abundant. So why did teen pregnancy still happen? This has more to do with the culture of the society. The culture of a society influences the behavior of the population. For example, if loose intimacy is heavily promoted by the media, the population will begin to think that such behavior is acceptable. Without social constrains, teenagers, being young and impressionable, are often the most easily influenced. They then engage in intimacy and this gives rise to unwanted teen pregnancy. In addition, teen pregnancy occurs because in many societies, intimacy is a tabooed subject. It is not openly discussed in schools, and most parents are too embarassed to talk to their children about the subject. Without proper knowledge, the inevitable happens. Once a teenager becomes pregnant, she has only two options. She can choose to abort the baby, or she can choose to carry the baby to full term. The issue on abortion has been debated by ethicists and scholars all over the world. It is never an easy decision to make. But if the teenager carries the baby to full term, other considerations such as financial implications makes the decision making process even harder. Perhaps the only way around this problem is to seek preventive solutions. As the saying goes, prevention is always better than cure. This is especially true for the teenage pregnancy problem. A human life is at stake here. Countries will have to adopt a more active approach in educating their citizens about proper contraceptive measures. Teen pregnancy is a serious problem, regardless of race, language or religion. There is no need to shy away from the subject. This will only cause more problems. The only right way to go about the teen pregnancy problem is to engage the issue fully.
Teenagers Abortion Problem
Posted on March 22, 2012 |
In a teenagers life when the start the enjoy the life and special events,the pregnance is a very big problem in there life.The teenagers pregnance is very big problem of the world mostly the develop contary.when the teenages are coming out to the pregnant then the abortion is the simple solution of this essuse. The abortion is a process to dead the pregnant child befour his borth. But the abortion is the bad ,because in a abortion the innocent life is got the dead. Teenage pregnancy is technically defined as occurring when women under the age of 20 become pregnant, although in the india and other countary of the world like as USA and other develop countary , the term usually refers to girls younger than 18 years of age. God is creating of all things for every life. For by him were all things created, that are in heaven, and that are in earth, visible and invisible, whether they be thrones, or dominions, or principalities, or powers: all things were created by him: and he is before all things, and by him all things consist And it is He that has ordained life as sacred.
Pregnant teenagers face many of the same obstetrics issues as women in their 20s and 30s. However, there are additional medical concerns for younger mothers, particularly those under 15 and those living in developing countries. For mothers between 15 and 19, age in itself is not a risk factor, but additional risks may be associated with sociol factors. Teen pregnancy as a social issue in developed countries include lower educational levels, higher rates of poverty, and other poorer “life outcomes” in children of teenage mothers.
Teenage pregnancy in developed countries is usually outside of marriage, and carries a social stigma in many communities and cultures. For these reasons, there have been many studies and campaigns which attempt to uncover the causes and limit the numbers of teenage pregnancies. To the prevent the teenagers pregnance and abortion case, firstly we can give the sex education of teenagers, and full knowledge of sexual-relation and pregnance, also In the areas where the education level is
very low.
An abortion before the twelfth week, teens with unwanted pregnancies hurriedly take drastic measures to fix a problem. But, the problem, according to teen abortion facts, does not go away after a pregnancy is terminated. And for some, the problem is only beginning. A disorder called Post Traumatic Stress is plaguing millions of teenagers who are not psychologically stable enough to cope with the trauma associated with an unplanned pregnancy, life-altering decisions, and the destruction of life. After the surgery, guilt, shame, erratic behaviors, and substance abuse, even suicide, can result. And, at the center of those teens that self report issues, is the fear of being held accountable to God. All major decisions such as this should consider for a while before any life changing and irreversible changes take place.
It is important to understand all options and be able to make a confident decision based on facts and personal feelings.
Teenage fatherhood can also be a challenge. Many feel obliged to support their child, but due to the low levels of state benefits awarded to such couples, in addition to the low quantity of money that they often earn due to their age, are unable to do so fully. Another addition is that being a teenage father is sometimes looked down upon by society and peers. Teen abortion is a decision that will impact your life dramatically, whether you decide to abort or decide to give birth. People you know will choose to support your decision or condemn your decision, but this is your decision and you will live with the choice you make for the rest of your life.
Teen abortion has many risks. Studies have proven that abortion may lead to an increased chance of breast cancer, Pelvic Inflammatory Disease, depression, and the contraction of Viral Hepatitis, not to mention death due to excessive bleeding or other complications. Whether you choose to keep your baby, put it up for adoption or have an abortion, hormones run crazy when you are pregnant. Hormones are to blame for the drastic mood swings pregnant women have during pregnancy. As you feel the life inside you start to grow, you will become attached to, or perhaps even angry at, this new life.
This life is exactly that – he or she is alive and it is a part of you. Teen abortion will affect you well into the future. Initially, you will feel cramping as the excess blood is discharging from your body — similar, but not as strong as, the pains felt during labor and delivery. This physical effect may cause you to feel an emotional emptiness you have never felt before. This emptiness is the beginning of depression that studies say can last a lifetime.
To protect your teens from that go to the following web sites:
http://www.troubledteensdirectory.com/
http://www.restoringtroubledteens.com/
Troubled Teens Directory is the most honest and integral Internet-based educational consulting service available and designed to serve parents, adolescents and youths who are in need of guidance.
Teenagers Education ? Just For Parents
Posted on March 2, 2012 |
I recently published an article to bring up what I consider a vitally important issue: “Teenagers And High School Teachers”. Bring up the chair, and you be the judge.
Since High School teachers can potentially shape and sculpt our teenagers, I wonder if offering a teacher a job is based on a college degree OR how successfully that teacher has demonstrated how to teach in addition to a college degree. In that article, I wrote “There seems to be very few parents realizing and comprehending how critically important it is to have not only well prepared and skilled teachers knowledgeable in one subject or science, but teachers who must inescapably be proficient to execute what is vital and crucial: How To Teach.”
I then asked myself:
* Will it be possible that teenagers failing in High School is because nature made a mistake in not providing them with intelligence and intellect ?
* Will it be possible that teenagers failing in High School is because they confront teachers who were not demanded to have mandatory skills on how to teach ?
If a teenager develops normally, it is then highly unlikely that nature’s designer created a human brain which ~at an early stage in life~ cannot learn because of difficulties assimilating knowledge. As a matter of fact, that designer decided that ~more than at any age~ it is in teen years when our brain is wide open to acquire knowledge and to develop aptitudes and talents. Consequently, when something is not well in High School, it may not be that a young mind fails because nature made a mistake, but it may be that the process of proficiently and correctly passing knowledge on is the one failing.
As an editor, publisher, and parent, I felt compelled to write about this critical issue in the hope that you ~as a parent I presume~ might have wanted to read about something that has the power to detrimentally affect your teenager’s life, to adversely influence the initial stages of his life, and to potentially do the same to a good portion of his adult life.
We parents have many obligations. One inescapable obligation is to become conscientious that our teenagers may not be in the best position to speak up confronting what they likely perceive as an intimidating establishment of adults determined to admit no wrong-doings, but to stubbornly prove our teenagers wrong as they wash their hands in the process. We parents should accept that we are our teenagers’ best asset, and we must ensure their success in life rather than choosing a path of least resistance being unconcerned during the most formative chapters of their lives.
Driver Education – How Parents Can Help Their Teenage Children To Learn Driving
Posted on February 4, 2012 |
When your child turns 16, it is almost a certainty that the first worlds out of their mouth will be “When can I get my drivers license?”
While this is a milestone in your child’s life, it is important that they understand the importance of getting a driver education and realize that along with a drivers license comes great responsibility.
Depending on which state you live in, a learner’s permit can be obtained when your teenager is around 15. In order for them to get the license, they need to meet a certain criteria, which includes a specific amount of driving time.
When your child is ready for driver education, it is important that they have the right attitude. They need to understand that a driver’s license is a responsibility that is not to be taken lightly. They need to understand that they cannot have a nonchalant attitude. This could affect their chances of obtain a license if the instructor feels that your teenager is not taking the class seriously.
Although it is cool to show off, it is not going to help you get your license if you are eating or talking on your cell phone when you are behind the wheel. It is an absolute certainty that your instructor will not think it is cool.
When you enroll in driver education, it is important your states department of motor vehicles certify the school.
These schools are up to date on all of the rules and laws of the state in which you live, and can teach you everything you need to know to become a safe driver. Driving school instructors have to pass painstaking tests in order to be licensed to teach.
Parents of teenage drivers can help in getting driver education. They are encouraged to take their child out driving. The more road time they log, the more secure they will feel driving. It not only gives them confidence, it also gives you piece of mind knowing that they are safe drivers.
Patience is the key factor in driving with your teenager. If you are high strung and nervous, it will affect the driver. If you feel that you cannot drive with your teenager have the other parent or friend drive with them.
Before you let your teenager get behind the wheel, it is important that they know the rules of the road and what each street sign signifies. Make sure they study the drivers’ manual and quiz them often. He or she is bound to be a little nervous when they drive with you they want to impress you. If they forget what a sign means do not make a big deal of it, simply study with them when you get home.
An empty parking lot is the perfect place for your child to practice driving and get used of the car being used. This is especially important if your car and the driver education cars are of different models.
Make sure your child understands what to do in case of an emergency. This is crucial especially if they are driving and their tire goes flat.
Summary:
Driver education will teach your teenager the rules of the road as well as how to become a safe defensive driver. Quiz them often, even if it is a quick trip to the store, ask them questions about driving. It is important that you be supportive and not critical of the abilities. Building confidence is a major factor when it comes to teenagers and driving. If they make a mistake, let them know and continue to let them drive.