How to Teach Financial Matters to Our Children

Countless parents pay a lot of money to assist their children acquire the best professional training but forget to forfeit the little essential to help them acquire the skills of managing their education paybacks- salaries.

Financial decisions are almost attached to every aspect of our lives and this is what makes financial literacy very important to both parents and their children as they grow up.

Why teach your kids about money

There are several benefits a child can gather from being wise on money matters, some of which my include the following.

Children can administer their own incomes that parents provide now by spending on necessities while avoiding extravagance.

A child will value savings and investment decisions. Money matters education along with parent’s intervention on the child’s financial use enables him or her to think and take action about tomorrow.

A child becomes independent when still young. How many parents have brought up grown-ups who remain parasites even when it is obvious that they should be out of the nest and facing the world on their own?

Children who grow up understanding that earning money requires handwork, determination and smart spending and saving decisions, can be said to be self-sufficient.

Becoming an entrepreneur is thought out to be inborn for some people while others are made.

Your child could later become his or her own boss in a business and if they will be financial literate then, it will make them strategic business and money planners.

Simple ways a parent can use to train kids personal finance

Soon after he/she learns counting, introduce them to money. To do this, parents need to be patient with the kids as they take these lessons. Normally they understand fast by observing a repeated money lesson.

Open up your own money values, saving it, growing it, and most notably spending it and this means as a parent you need to consider how well you master your own finances.

Assist them in making distinctions between needs, wants and luxuries. Not understanding these ends up in overspending and really bad debts even to the adults.

Emphasize on setting spending goals every time kids request for money, or items, to discourage impulse buying; in other words, let them learn the process of budgeting.

Initiate the principle of savings against spending and demonstrate how swift money grows.

This will begin if you showed them how to list their needs in order of priorities and emphasize on spending based on urgency not luxury, when cash is limited. Involving them in shopping will sharpen spending skills more.

Allow them to participate in opening their own bank saving plan by letting them accompany you there.

Some parents open many of such plans on behalf of their kids and say nothing until a time to join college comes.

One way of raising a completely responsible child is by leaving them to be vulnerable on financial issues, and without you around, they will find a solution to the problem.

Let them participate to such easy tasks as opening bank accounts, applying for credit cards, collage loans, and the like, only come in if they need any clarifications.

Keep your distance and allow your children make their financial decisions on their own, whether good or poor.

The bad ones motivate them to be careful with money tomorrow while good ones mean they are progressively getting on track on their own.

One way you can enhance this process is by all means training them how to keep track of the money they have spent, invested or saved by maintaining good records.

Paying a personal finance management course for your collage going child or talk them into paying if they are already done and independent is the best decision a parent may never regret why they made it.

An original article by Esteri Maina on FINANCIAL []

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Wake-up Call – Kids in Crisis

Childhood is seen by many as a period of protection for the development of our children. It is an important social investment in our future. For example, we have laws against child abuse and child labor. Because of this we would assume that corporate America also would have the best interests of our children and youth at heart.

Surprise, surprise. This may not be so. Indeed, in the process of questioning the politics of the free market system, experts on the development of youth have begun to question the impact of a money-driven economy on the well being of children (Giroux, 2009; Shor, 2005). Rather than a culture of protection, these writers report of a culture that has been corrupted by rampant commercialism, commoditization, and consumption.

For example, the United States is now reported to be one of the most violent countries in the industrialized world, leading in homicides, rapes and assaults. TV guide report has reported that a violent incident is shown on television, on the average, every six minutes. The number of violent acts depicted on television has tripled since the deregulation of the industry. In a national survey, 91% of the responding teachers reported an increased violence among children in their classrooms as a result of cross-media marketing of violent cartoons, toys, videos, and other licensed products (National Association of The Education of Young Children, 1998).

In 2007 UNICEF released a report on the well-being of children in nations with the most advanced economies. Children’s welfare was evaluated along six dimensions: material well-being, family and peer relationships, behaviors and risks,and subjective well-being. Denmark, Sweden, and the Netherlands were found to be taking the best care of their young, while the United States and the United Kingdom scored the lowest. While the data and the definitions in the survey are still being refined, it does show the importance of taking better care of our children (Shift, 2009).

A crisis creates new opportunities. Our awareness can stimulate us to reclaim our power and take action for what we want in our communities for our children and families. If we complain about the negative, we continue to give it power, and we only get more of the same. Far more powerful is to focus on the assets children need in order to grow up as healthy, responsible, and caring.

We can turn off the television, and spend time with our kids, whether it is playing with them, reading a book, or taking time for an evening meal. It is through these kinds of activities that we show that we care. For many, spending time with our children and grand children, is one of our most fundamental sources of happiness. It is also our future.


Giroux, H. “Youth in a Suspect Society: Beyond the Politics of Disposability,” to be published by Palgrave McMillan in 2009.

National Association of the Education of Young children, NAEYC Position Statement on Violence
in the lives of children, 1998.

Shift Magazine, “In Search of Happiness,” Spring, 2009.

Shor, Juliet. “Born to Buy.” New York: Scribner, 2005.

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Homeschooling Math – Does Your Teaching Add Up?

Your homeschooled child is excited. She has just received a letter from the admissions office of her first choice college and the size and weight of the envelope suggest she has been admitted. The family gathers around the kitchen table to share this special moment with her. She opens the envelope and begins to smile but suddenly falls into a deep frown. You ask what’s wrong and discovers she has been admitted on the proviso she takes remedial math her first semester. What went wrong?

After a brief investigation, you discover that either you did not teach sufficient math units or the math you taught did not meet minimum state requirements. Homeschooling math is vitally important to the future of your child who is homeschooled. All states require several units of math for high school graduation and homeschools are not exempted from such requirements. Parents should familiarize themselves with those requirements because there may be differences between what is required for public schools and private schools. Homeschools oftentimes fall under the same requirements as for private schools.

For instance, in Illinois, homeschooling falls under the requirements for private schools. In the State of California, however, there are no specific graduation requirements for privates schools or most charter schools as well as homeschools. Thus, parents in California would need to contact their affiliated high school or homeschooling association to get the requirements for homeschooling math. Parents are ill advised who “go-it-alone” given the complex array of education requirements from state to state.

Homeschooling is on the increase and affords many opportunities to parents who wish to homeschool their children. Parents should not take likely, however, the awesome responsibility placed upon them to insure that their children receives an education which meets minimum state requirements. Your child’s future depends on you. Do not let your child down. Make sure that your homeschooling math adds up.

If you would like more information about college and the homeschooling math [] as well as general information on homeschooling, please visit []

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Homeschool Record Keeping – It’s Not Just Teaching That Matters

When you decided to homeschool your children, you most likely focused on the competency and time required to teach your children the subjects needed for success in life and to comply with state educational requirements. Most likely you did not consider homeschool record keeping requirements.

Every state has some requirements for home school record keeping. Even where the states do not have specific laws that apply to homeschooling, there are other laws which by inference require that homeschools maintain certain records. An example is compulsory attendance laws. All states have laws which require that children between certain ages attend school for so many hours each day and for a certain period of time during the year.

Parents may be required to produce records to prove their children are attending school as mandated by law and that they are attending for the time specified. The failure to do so could result in civil and criminal penalties being assessed against the noncomplying parents.

Fortunately, it is not difficult to comply with state mandated record keeping laws. Many homeschooling associations provide forms for this task as well as instructions on completing them. In addition, some homeschooling supply companies provide record keeping forms free of charge.

There are also various configurations of software available for homeschool record keeping such as Edu-Track Home School and Homeschool Solutions. These software packages are designed to make record keeping easy so that your time can be devoted to teaching and not administrative chores. After all, avoiding bureaucracy is probably one of the factors you considered when deciding to homeschool your children.

It’s not just teaching that matters to the success of your homeschooling and the future of your children’s education. Homeschool record keeping is also a vital element requiring attention.

If you would like more information about college and the homeschool record keeping [] as well as general information on homeschooling, please visit []

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How to Make a Career Change As a Mid-Career Professional

So you have been working in the same industry or maybe even the same company for the last ten to twenty years and you are thinking about a career change. Maybe your line of work is no longer satisfying or life circumstances have changed and you need something more suitable for your lifestyle.

Change is often difficult and for those who are looking for a career change after fifteen or so years more challenges may be present. However, changing careers is not impossible and with the right tools in place change can produce successful results. There are many opportunities for mid-level career professionals and several reasons why an experienced employee adds much needed value. Below are a few tips that may be helpful when changing careers or jobs as a mid career professional.

Networking plays a vital role in changing careers, especially for those who have ten to twenty years in the workforce. Use your professional and personal networks you have acquired over the years. Let everyone know you are searching and do not be afraid to put yourself out there. Attend networking events, chambers, industry associations and support groups.

Take advantage of online networking such as LinkedIn to announce your new career direction and search for others in the field you are considering. Using online tools such as creating a website to showcase your work and qualifications can be valuable. Online discussion forums are helpful to learn more about your interested field and also to connect with other people in similar careers. Once you find these people be sure to follow up with emails, phone calls and even face- to-face meetings. Be prepared to dedicate several hours a day toward networking and do not leave out the most important step which is taking action!

Exploring new opportunities through various means may be your first step in searching for the right job or career. You do not want to quit your job without fully assessing if a new opportunity is going to work for you. Do a “test drive” to see if this new job or career fits in well with your situation. For example, work part-time, volunteer, temp, job shadow, intern, consult, talk to others in the field and research the industry. Seeking out opportunities at your current job may also help bring more insight into a new interest. For example, if you are in sales but are thinking about going into the IT field, you may want to check into some opportunities at your current employer that may be able to provide you with more information about IT.

When creating your resume it is vital to showcase the depth and strength of your experience. Your resume should display a combination of both “hard” and “soft” skills. Outlining key strengths that will demonstrate your ability to overcome new challenges and ability to solve business problems will help highlight your potential. Be sure to emphasize your strongest and most recent career accomplishments signifying why you are unique and what you have to offer. This is especially crucial when standing out against younger more inexperienced professionals.

Upgrade Skills
Now is the time to upgrade your skills or inquire about additional education. After researching your field of interest find out what level of education is required. Are there certifications you can obtain that may help you stand out? Classes you can take at a local community college or online may also help upgrade your skills. Be sure to research the latest developments in your field and take any additional steps to help ensure you are on the cutting edge. Employers are looking for up to date skills especially in more experienced professionals.

Interviewing can be tricky when changing careers especially if you have been out of practice for a while. You may now be interviewed by younger colleagues and feeling defensive when asked certain age related questions or when they are quick to make assumptions. Be sure to discuss your recent accomplishments in both work and non work related experiences. If there were areas where room for improvement was needed talk about what you would have done differently if encountered with the same problem. You have the experience and can view problems from a different perspective than your younger counterparts, be sure to highlight this advantage. Using examples as much as possible is another benefit especially when describing how you can solve business problems and make major contributions for the company.

Allow for a transition period. Switching careers or jobs takes a lot of time, energy and emotional reflection. Be prepared for the ups and downs and get things in place to compensate for the changes. Family changes both financially and emotionally can take a toll so be sure to enlist the support of family members. Keep them updated and check in frequently. Be sure to take care of yourself during this transition. Find ways to relieve stress and allow some time to focus on you.

Erin Suess is a life and career coach and creator of [] She works with individuals who are seeking to enhance their personal and professional lives through gaining clarity and achieving goals. She also offers MBTI and Strong Interest Inventory testing on her site. If you are ready to live your best life then contact Erin. You can go to her website at: []

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Massage in Bucharest

Recognize it! You’re busy! And so must be! That’s what life is like! But you want more than that, you want to do more for yourself and massage can help. Because massage makes more than a simple relaxation of the mind and body. It keeps your body in shape and gives you enough energy to make you enjoy a longer life better than you do it today.

Massage releases stress. At the moment, stress is a universal evil. Every time you are late, every time you avoid a car in traffic, every time you have trouble working, stress is doing his job. Each time adrenaline increases heart rate and cortisone levels and organs respond to the measure. You will be in a state of nerves and constant agitation.
When there is no release of stress, serious problems such as an upset stomach, hypertension, sleep disturbances, chest pain, or existing illness may worsen.

Some of the changes that may occur are: Anxiety, lack of concentration, depression, permanent fatigue, muscle or bone pain, sexual dysfunction, excessive sleep or insomnia

All these stress-related problems can be diminished and some can be totally eliminated by massage. The researchers concluded that a massage session can lower heart rate and blood pressure, relax your muscles and increase endorphin production. The massage also releases serotonin and dopamine and the result is a general relaxation, both physical and mental.
Our body care must be at the top of the priorities.
By adding the massage to your routine you will look much better and you will be much healthier and relaxed. Massage can improve your vitality and mood. Massage can prepare for a long and beautiful life.

Our masseuses personalize each massage session according to the needs of the individual.
Our massage parlors offer a variety of relaxation styles and techniques to help you. Apart from relaxing, massage can be a powerful ally in reducing pain, increasing energy levels, improving mental and physical performance

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After a massage session, you will see how the mental prospects are enriched, the body allows easier handling, better pressure resistance, relaxation and mental alertness, calm and creative thinking.
When you have the impression or force yourself to stay straight, your body is not actually aligned properly. Not only does the posture look bad, but it forces some of the muscles to go muddy all day, while others become weaker. After a long time, the incorrect position may cause other drops. For example, internal organs press on what affects digestion, breathing ability is also diminished, which means that much less blood and oxygen reaches the brain and hence all sorts of other complications.

Massage allows you to return your body to the track. Allowing the body to make healthy and accurate movements is one of the greatest benefits of massage. Massage can relax and restore muscles injured by bad posture, allowing the body to position itself in a natural, painless position.
Apart from posture, there is also anxiety. One of the signs of anxiety and stress can also be heavy breathing. When the body begins to breathe too little and deeply instead of breathing at a natural rithm, it is impossible for one to relax. One reason may also be that the chest muscles and the abdomen get tightened and the air gets harder.

Massage plays an important role in learning the body how to relax and how to improve breathing. Respiratory problems such as allergies, sinuses, asthma or bronchitis are a group of conditions that can benefit from massage. In fact, massage can have a positive impact on respiratory function.

Many of the muscles in the front and back of the upper part of the body are breathing accessory. When these muscles are tight and shorten they can block normal breathing and interrupt effective breathing natural rithm. Massage techniques for stretching and relaxing these muscles improves breathing function and breathability. Massage leads to an opening of the chest as well as structural alignment and nerve dilatation that are required for optimal pulmonary function. A good way to treat respiratory problems with massage is the taping made in Swedish massage. When done on the back, along with vibrations, it can detach the mucus from the lungs and can clean the airways for better later function.

Massage not only relaxes muscles, but helps people become aware of daily stress levels. Once the body recognizes what really means relaxation, the mind can rest easily relax before the stress becomes cornice and harmful. This will help you enjoy a balanced life. Massage controls breathing, allows the mind to re-create relaxation before the occurrence of chronic and harmful stress and increases the level of energy.