By: John Rasor

All good education begins at home, and that definitely includes education in money management. If your kids learn well, they’ll reach adulthood with the ability to buy a home and begin building financial equity throughout their lives. You may have to help them get that first line of credit, because they’ll have no financial history to show lenders, but from there they’ll have a beautiful credit score and clear sailing.

It’s a shame that schools don’t include this subject, because it would save a lot of headaches and heartache if they did. However, it is up to you. And if you’ve had credit problems in the past, perhaps teaching your children will help you build some sound money management practices yourself.

Begin when the kids are old enough to start asking for money – be it a quarter to put in a candy machine, or a new toy. Give them a small allowance each week, and show them how to budget. Let them learn first hand that if they put it all in a candy machine, one quarter at a time, they’ll never have enough for that special toy.

No one can spend the same dollar twice, so they need to learn to make choices about where their money goes.

Next, teach them about bank accounts. Begin with a savings account and let them make the deposits and watch the balance grow. Then teach them about checking accounts and the necessity to keep careful records. Be sure to explain how their little nest egg will help them later, when a good credit score becomes important.

Show them how foolish mistakes can make their money melt away. Overdrafts and late charges are such a disappointing way to spend money – you get nothing at all for your dollars. And now, when banks and credit card companies can charge as much as $40 for being one day late with a payment, or $1 over your balance on a check you write, those fees can really add up. By high school kids should be learning about credit reports and credit scores. And they should be learning about the importance of knowing your credit score. So get your free credit report today and see what it says. If your credit score needs to be improved, start working on it now, so that you can also teach your kids what they’ll need to do if they should slip.

http://www.creditscorecowboy.com CreditScoreCowboy.com is the one of the most unique on-line resources for free credit score reports, Identity theft protection software, and a BLOG with a wealth of personal credit information. The information within this website is written by professionals that know about credit.

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By: Shyamala Karunakarapandian

Basics Of Parenting

            Today, the one and the only question that is in the minds of everybody is “where are the youth of this generation going?” as the lifestyle and values of the youth is bothering the society to say the least. Though the  problems created by the youth and the problems faced by them are innumerable, it is not the state of affairs of the youth alone that is causing anxiety. The baby on its way into this world, new born babies and the children in different stages of growth  also face and cause problems. While trying to find the root cause of the problem it is the parents who are blamed for it, most of the time.   Though they are not the sole cause, they have a major role to play.   Their success in parenting depends on the kind of parents they are, their environment, the support from the family, the possibility of getting trained for parent hood, the level of education, the nature of the child concerned etc.,. The problems, mostly psychological, would vanish with proper  parenting.  In the early days, people mostly lived in joint families.  The experience and advice the young parents received from the elders, parents, aunts, grand parents, uncles, guided them in the process of parenting.  The children also had many people to support them, to allow them to vent their feelings and  to learn the probable ways of findings solutions to their problems.

True Story

            While talking to a group of adolescent girls shocking messages came to light.   Many of the adolescent girls were having illicit relationship with auto drivers with whom they were coming to school.   Deeper analysis brought out the fact that these girls were longing for love from their parents.    When an iota of love or something akin to it is shown by the auto driver, they easily fall a prey to the former’s devious designs; of course they suffer later when they find it difficult to extricate themselves from the driver’s clutches.    Only the parents can help these children.    One of the great, noble traits of parenthood is love  and that alone can cure many ills faced by the children and youth. It can help the girls to retrieve themselves1.

            In yet another instance, a 5 years old orphan boy in a care centre for the AIDS infected persons   stunned the onlookers by saying that if his father had had proper parenting, he would not have gone astray and ended with AIDS, infecting his mother too2. Even this small lad knows the importance of parenthood.   Everyone knows about parenting and follow the kind of parenting demonstrated by their parents or that which they have learnt through courses or training or advice given by psychologists or gurus.

Styles of Parenting:

            Just as there are different types of human beings, there are different types of styles of parents.    The parents’ style influences the level and kind of development of the child.    Whatever may be the style of parenting the essentials to be looked into are, “Express your love, make your child feel secure. Build their self-esteem. Stay flexible and recognize the time for change as your child grows. Communicate openly and honestly and be confident  in your own ability”3. When you talk to your child, you should be actually listening not just hearing.

            There are different types of parenting, such as “Authoritative, Authoritarian, Permissive4”.   Parents who are very clear about their role and give instructions with confidence can be considered as Authoritative.   The Reader’s Digest Great Dictionary of the English language shows that authoritative means commanding and self confident, while authoritarian implies, favoring or enforcing strict obedience to authority5.  It is similar to dictatorship.

            Another variety of parenting is known as permissive.  These parents allow their children to follow their own path, mostly non-interfering.   It is similar to saying, “let the sleeping dogs lie” as they are.   These parents do not want to follow any strict rules or take up much responsibility in bringing up their children.   There is another mode of classifying the parents.   According to this classification, there are three types of parents, such as Consultant, Helicopter, Dull Sergeants6.

Three Types of Parents

CONSULTANT

HELICOPTER

DRILL SERGEANT

This Love and Logic parent provides guidance and consultant services for children

This parent hovers over children and rescues them from the hostile world in which they live.

This parent commands and directs the lives of children.

1.

The Love and Logic parent provides messages of personal worth and strength

1.

provides messages of weakness and low personal worth

1.

provides messages of low personal worth and resistance

2.

The Love and Logic parent very seldom mentions responsibilities

2.

makes excuses for the child, but complains about mishandled responsibilities

2.

makes lots of demands and has lots of expectations about responsibility.

3.

The Love and Logic parent demonstrates how to take care of self and be responsible

3.

“takes on” the responsibility of the child

3.

tells the child how he /she should handle responsibility

4.

The Love and Logic parent shares personal feelings about own performance and responsibilities

4.

protects the child from any possible negative feelings

4.

tells the child how he / she should feel

5.

The Love and Logic parent provides and helps child explore alternatives and then allows child to make his / her own decision

5.

makes decisions for the child

5.

provides absolutes : “This is the decision you should make”.

6.

The Love and Logic parent provides “time frames” in which child may complete responsibilities

6.

provides no structure, but complaints, “After all I’ve done for you…”

6.

demands that jobs or responsibilities be done now

7.

The Love and Logic parent models doing a good job, finishing, cleaning up, feeling good about it.

7.

whines and uses guilt : “When are you ever going to learn.   I always have to clean up after you.”

7.

issues orders and threats: “You get that room cleaned up or else…”

8.

The Love and Logic parent often asks self, “Who owns the problem?” helps the child explore solutions to his / her problem

8.

whines and complains about having an irresponsible child who causes “me” much work and responsibility

8.

takes over ownership of the problem using threats and orders to solve the problem

9.

The Love and Logic parent uses lots of actions, but very few words

9.

uses lots of words and actions that rescue or indicate that the child is not capable or responsible

9.

uses lots of harsh words, very few actions

10.

The Love and Logic parent allows child to experience life’s natural consequences and allows them to serve as the teacher

10.

protects child from natural consequences, uses guilt as the teacher

10.

uses punishment; pain and humiliation can serve as the teacher.

Source: http://www.loveandlogic.com/pdfs/threetypes.pdf

One way to identify the kind of parents is by analyzing the kind of gifts they give to their children in order to make them do any specific activity.  Some parents have a survival mentality; they give their child “whatever” just to make them do the job. Some parents operate with a default mentality.    They give their child what is popular without considering whether it will be the most helpful. In actual practice the parent should be operating deliberately and purposefully, giving the child what is useful after carefully thinking through.    They are usually known as “intentional parents” 7.   Depending on what kind or type of parents they are, the goals, and gifts also change.    In the case of permissive parents, the guiding motive will be, “If I can just make it through the child – rearing years, I can get my life back”.   Their goal will be “jilting the kids out of the house”.  They follow the easiest method of doing whatever is easy to do.  Hence, they use bribes, threats and use TV as a baby sitter8.

            On the other hand, those “who want to give the child what will be best and most helpful for him”, will have the goal of preparing the child for life as a productive adult. They would spend quality time with the child, imparting ethical values to the child.  The gifts given by such parents would be, “religious books, enjoyable pastimes, academics, home skills and chances for socialization” 9.

            If a child is to be successful in life, the appropriate parental care is necessary.    But, of course, there are children who grow up into successful adults, in spite of defective parenting.   But such cases are very rare.   The society at present is facing problems of parenting especially in the case of single parent, divorced parents, simple and extended families. Most of the children brought up by single parent and unmarried mothers, find it difficult to cope with the pressures in the family and society.

Parenting Skills:

            With, hectic work schedule of the parents, the heavy load of learning coupled with  many distractions and the problems faced by the society, the children are looking for the support of their parents for a secure life.    It is ordinarily observed that parenting without proper foundation has always and indefinitely led to confusions in  child development.    What is essential is

Ø  Developing and clarifying clear communicative expectations.

Ø  Staying calm in the midst of turmoil

Ø  Encouraging positive consequences and consistency.

Ø  Being the role model to your child.

Ø  Effective praising.10

To be a successful parent discipline is necessary.  At the same time, there should be consistency in whatever the parents are saying and doing, parents should have a preplanned, pre-developed strategy to teach proper behaviour to the child. That is, both the parents,or the single parent should make their expectations clear to the child. , Both of them can sail smoothly while bringing up their child.    They should be very specific and firm in teaching their children. Moreover, the parents must take into consideration the child’s age, ability, developmental status and the resources that are available for the family.11   Once the expectations are clearly stated, it is necessary that both the parents should communicate it to the child, without contradictions.    In addition to these, there should be frequent family ‘get togethers’.  Instead of punishing the child for not abiding by the expectations, it will be better to have discussions to clear the child’s doubts and parents being role models.

            Ray Burke states that “Children can be sarcastic, defiant, rebellious and possibly violent, parents have to prepare themselves for times like these and learn to keep cool” 12.   Yet another way to increase or encourage desirable behavior is to use positive consequences.    What the parents should remember is to use the positive consequences that would work with the child.   While developing a child’s behavior the parents should remember “consistency”.    Consistency is the key to being a successful parent.    This gives the message to the child that “your parents are reliable and serious”.

            The most important aspect of successful parents is that the parents should be role model for their child 13. The parent should be a positive role model for their child to follow.    As Ray Burke say, “Praise is powerful…. Praise is nourishment.   It helps in the emotional development.  It helps in building up self-esteem, belief of personal satisfaction, feeling of security.”14    The praise should be communicated to the child either verbally or through action.

Parenting Skills :

Ø  Discipline

Ø  Education

Ø  Finance

With the social changes,  the extended family that existed earlier, which played the vital role of a model, a shock absorber, a vent for relieving one’s feelings has become a thing of the past.   Hence, the parents of the modern era have to learn creative ways of bringing up their children.   It is found that the most important but controversial parenting skills is DISCIPLINE.   Whether the method is, redirection, time-outs, loss of privileges, grounding, extra chores, or sparking, the parents should embrace their role to train their children to become moral and respectable adults15. The second skill to be acquired by the parents is regarding education.  The parents should also be educating their children in moral values.   The child’s education should take into consideration certain important facts16:

v  Family’s financial status.

v  Quality of local public and private schools.

v  Level of parental education.

v  Personalities of parents and children.

v  Home schooling support and resources.

v  The involvement of the parents in the child’s education.

Besides education, one of the important parenting skills is the effective way of dealing with financial issues.    The demand for expenditure for rearing the child, medical, hygienic needs etc. are soaring high today.     Hence, a successful parent should know what is essential and what is not before deciding upon the expenditure of the limited resources.

Conclusion

            There is no doubt that children bring us much joy and much responsibility.   Most of the stress and worry of bringing them up can be reduced or removed with proper, careful planning.    The parents should plan when to have a child.   The working mother, if she is to stay at home, once the child is born, should plan earlier to save as much as possible and cut down the family expenditure.   Both the parents have to plan to set aside enough time to be with the child, not only when it is a baby, but till the child becomes an adult.

             The parents, need not be only the problematic, should avail of training in parenting skill as much as possible. First of all, both parents should have a congenial and frank communication between them.   Only then, once the child comes into the family, they will be able to communicate with the child easily.   Further the “ego”, the concept of “I” should be relegated to the background.    It is possible that the child becomes sick at times mildly, at times seriously.    Both the parents should take responsibility of looking after the child, not blaming each other as the cause of sickness.    The child rearing, though filled with difficulties, hurdles and events that test one’s tolerance, is undoubtedly a pleasure.  It is a joy.   A successful parent should know how to smile.    That will reduce the stress and pain of the child.    As it grows into adolescent stage, the skills of the parents should be developed further.    They should know more about the physique, the psychology and mental development of the child.

            It should be remembered that the requisites of  an effective parent are dedication, attention, love and constant denial of easily administering swift punishment. Though parenting is time consuming, the fruits are very attractive.    The future generation and its success depends on the effective, successful and cheerful parents of today to a great extent.

END NOTES

1.       Author’s personal experience

2.       Ibid.

3.       http://www.raisingkids.co.uk 10.14.2008

http://www.associatedcontent.com/article/614981/authoritative_authoritarian_and_permissive.html

The Great Dictionary of English Language (Readers Digest Association Limited, London, 2003) p.56, 57

Three Types of Parents: Love and Logic institute – www.loveandlogic.com 1981.

http://intentionalparents.com/types-of-parents/ p.1

Ibid. p.2.

Ibid.p.2

http://allp

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By: Lim EeHai

The path to mastering maths is long and marked with obstacles. To have good result, it has to progress with increasing complexity after achieveing an acceptable level of understanding and problem-solving skill. At times, it may be tough while other times it may be smooth sailing. Many factors come into the picture in the process of learning maths. Teacher’s personality, teaching style, individual learning style, peer pressure, complexity of lessons and past experience in maths learning are some examples of factors affecting the mastery of maths. Maths is brought into this context, compared to other subject, as maths learning is more unique in term of its progressive nature and its symbolic presentation.

In a classroom setting, learning maths is challenging, having to face many variables along the way. One have to adapt to different teaching style when one progresses from one level to another with a change of teacher. The ways of lesson delivery may also change and may not suit one’s learning style. Interaction and rapport with teacher has to be rebuilt. It becomes worst when learning partners changes also. This may be due to a change in class placement. With all these changes and adaptations, which directly or indirectly affects maths learning, one is still expected to steadfastly master maths which gets tougher through the levels. Emotionally, one has to be strong. Maths anxiety will sets in when one is not able to manage this transition which is very much part of the maths learning journey in conventional school. Negative escalating results appear when it is not handled properly. Although changes are inevitable, can we reduce this complication and minimise the disruption to the learning minds of the learners?

Parental involvement is one answer. With all the changes in school learning, what is constant is the parent. Sincere and dedicated parent involvement in the child’s learning will not change or not as drastic as in the school. Parent understands their child best. The interaction method between parent and child will not change drastically with growing years. The maths learners will find it more comfortable being trained or guided by someone familiar to them. When parent gets constantly involve with their kids learning, they can see the problem better in their understanding of maths topics as they are fully aware of their kids strength and weakness or past maths learning experience. They will be better placed to rectify or explain the issues faced in their learning or what is taught in school. This is hardly achievable from the new teacher’s perspective. With somebody familiar guiding them, maths learners will be more confidence in handling higher level of maths learning as they know there are avenues where they can get their maths obstacles resolved. This reduces the stress they have when faced with the many challenges in their quest for knowledge. It removes obstacles for them to improve on their maths studies.

However, it should be noted that parental involvement has to be dealt with carefully. It should be emphasised constantly by the parent that learning is still individual and self-learning is still the ultimate regardless of who is teaching. For young learners, guidance by parent should focus not on the content proper, but on the learning habit and style that fits them and which is comfortable to them. The parental involvement lends support to their psychological well-being and acts as a pillar in times of adversity.

Lim Eehai owns the maths site at mathsisinteresting.blogspot.com and entitled maths is interesting!. EeHai creates this site to steer interest in maths and wishes to help meet the needs of maths learners.

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By: Stuart Campbell

Sometime…oh, around 2004…you probably started hearing buzz about “Web 2.0…The next generation of the Internet.” The term was coined by O’Reilly Media. And though everyone you ask gives you a different definition of the way Web 2.0 should look and feel, perhaps the best definition can be found in the company’s own archives, here: O’Reilly Publishing’s Original Web 2.0 Description.

And O’Reilly continues to call Web 2.0 a “transformative force.” But have you felt it yet? You may just have.

O’Reilly’s early definition differentiated Web 2.0 from Web 1.0 (the old “cloud”) in that:

Private content?management systems would be replaced by editable public Wikis. Personal web sites would give way to dynamic communal blogs. Publishing would take a back seat to participation. Web content would become more configurable. New services would make it easier for people to connect interactively. Financial speculation on domain names (to lock down good URLs) would become less prevalent than search?engine optimization (to help people find sites and content regardless of its URL).

Companies even advertised that their products and services were “Web 2.0?ready,” subtly implying that Web 2.0 was some sort of official specification, which it wasn’t. Some even speculated that the Web 2.0 Internet would become a 3D virtual world like Second Life (SL). And the fact that IBM and Microsoft were big SL backers did blow some wind into that sail.

In reality, O’Reilly’s Web?2.0 description has been materializing all around us, unnoticed by most for what it was. The above bullets sound mighty familiar, don’t they? Wikis and blogs are everywhere now. We increasingly friend and track each other in sites like FaceBook, LinkedIn, and Twitter. And through them, our small, personal, “e?Villages” are merging into global meshes.

Most of us in the e?Learning world live and work online, like tropical fish in an aquarium. And the water in which we’ve been swimming all along has picked up Web 2.0 colors even as we breathe it in.

And Now Comes “Web 3.0”

Many people are now describing the “next” Web 3.0 Internet as a “personal assistant” that:

Learns our habits and interests by watching past activities, and automatically focuses information delivered to us. (Can you say “Cookies”?) Maintains web?based personal browsing histories, which any site can access for customizing what individuals see. Allows different sites and services to be combined (just as Google Maps, MapQuest, and site?visitation counters are added to many Web sites today). Uses the Internet itself as an operating system (a?la “Cloud” applications that run directly across the web, rather than being installed on our PCs). This too is happening already. Replaces keyword searches with intelligent content sifting and delivery, based on interpreting the context of conversationally typed requests. For example, you’ll be able to type “Where’s the nearest store that still has a paperback copy of Dan Brown’s latest book…for under $10?”…and get a concise answer. (By “Web 4.0,” some say, this will give way to full artificially?intelligent interfaces.)

And once again, Second Life is being held out as a possible model for the look and feel of this “next” Internet (which is also being called “Web 3D”). I won’t hold my breath on that, though! If I go to IBM’s, Microsoft’s, and Amazon’s web sites (all long?time SL partners), their Web interfaces are still glaringly 2D. I can’t click amazon.com and find myself walking through a 3D virtual store, able to browse shelves, pick up books, scan their pages, carry purchases to a virtual check?out station, and enter payment and shipping data by swiping a secure virtual ID card. Not today, anyway.

But several companies are working on experimental 3D browsers. For more information about that, just Google phrases like “3D browser”, “Google 3D browser”, “Google SketchUp”, Firefox 3D Browser”, and “AT&T 3D browser”. From what I’ve seen, they all look like 2D interfaces with slickly layered 3D effects… not like truly immersive, 3D, information environments.

Some have even claimed that Web 3.0 may need to run on its own separate network and use its own new protocols…implying that it will be easier to build the next Internet from scratch. I personally know how hard it is to release just one new version of a single software product. I know how tough it is to keep it both forward compatible with future plans and backward compatible with existing users. So I don’t for one minute believe that an entirely new Web 3.0 network will one day “replace” our familiar Internet.

More likely, Web 3.0 will sneak up on us bit by bit…in the night…just as Web 2.0 did (and is still doing).

About SyberWorks

SyberWorks, Inc. (http://www.syberworks.com) is a leader in the custom e-Learning Solutions and Learning Management System industries for Fortune 1000 corporations, higher education, and other organizations. Located in Waltham, Massachusetts, the company serves the multi-billion-dollar e-Learning market. Since 1995, SyberWorks has developed and delivered unique and economical solutions to create, manage, measure, and improve e-Learning programs at companies and organizations in the United States, Canada, Europe, and other countries.

Stuart Campbell is Director of Software Development for SyberWorks, Inc., a privately held supplier of e-Learning software and training. A native of the United Kingdom, he had previously served as a Principle Software Engineer, Senior Consultant, Senior Software Engineer, and Development Specialist for companies such as Brooks Automation Inc. (Chelmsford, Mass.); Digital Equipment (South Queensferry, U.K.); and Honeywell Control Systems (Motherwell, U.K.). Among his many roles at SyberWorks, he leads the software-development process and helps to build new software releases and update kits.

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By: May Chew

By studying the behaviors of thousands of self-made millionaires Brian Tracy has summarized common 21 qualities of success. These principles, although obvious to some, are timeless and should not be underestimated. When you these, you can dramatically change your thoughts, actions, habits, income and lifestyle. We all have access to information and knowledge. It’s how we apply them that makes the difference between success and non-success.

Here are 21 qualities of self made millionaires, summarized below

1. Dream Big Dreams. Visualize, imagine and create an exciting picture of abundance peace and joy.

2. Develop a clear sense of direction. Discover where you want to head. Know where your sails are slanted and where you are headed. This is the basis of goal setting.

3. See Yourself As Self-Employed. The more control you give to your future, the more you will be able to influence career and your financial life. It will not be left to the whim and fancies of your employer. Once you see this, you will embark on an exciting journey.

4. Do What You Love To Do. Don’t we all want to do that? And get paid to boot! Find your passion, think of creative ways to monetize that passion and go for it!

5. Commit to Excellence. We are all made for excellence. This is how to practically visualize it and really move into the top 10 percent. And enjoy in the process.

6. Work Longer and Harder. Don’t let this fool you. The trick is to work and get in the flow, work smarter and organize your time so you get more done and get more kick and value into your work.

7. Dedicate Yourself to Lifelong Learning. This is essential to success and earning ability. All successful people never stop learning.

8. Pay Yourself First. The most powerful process of wealth accumulation which everyone on this earth has the ability to and should apply.

9. Learn Every Detail of the Business. Become an expert in your chosen field. Excel and overcome.

10. Dedicate Yourself to Serving Others. Best kept secret and the starting point of all personal fortunes. It has proven time and again to work. And bring personal satisfaction and abundance.

11. Be Absolutely Honest With Yourself and Others. Integrity is everything. Period.

12. Set Priorities and Concentrate Single mindedly.

Focus is the key. On the things that matter.

13. Develop a Reputation for Speed and Dependability.

Give yourself the winning edge in everything you do.

14. Be Prepared to Climb From Peak to Peak.

Learn to recognize cycles and trends and adjust your course accordingly.

15. Practice Self-Discipline In All Things. Develop the most important quality for financial and personal success.

16. Unlock Your Inborn Creativity. This is an untapped secret which many miss out on. Unlocking this alone will immensely increase the ability to solve any problem, overcome any obstacle.

17. Get Around The Right People. Surround yourself with winners.

18. Take Excellent Care of Your Physical Health. Develop and maintain high levels of energy and fitness, leading to a more energetic, fuller life.

19. Be Decisive and Action Oriented. Identify the most important action steps you can take immediately.

20. Never Allow Failure To Be An Option. Overcome the fears that hold most people back. Most of them have been imagined or created by experiences.

21. Pass the “Persistence Test”. Learn how to bounce back from defeat and never, never give up.

Be a self made millionaire. Pick a few qualities right now and concentrate on mastering them today. You’ll be surprised in no time these will be interalised and be a natural part of you. You would have developed habits that serve you well for the rest of your live. Be, do and have and achieve success.

May is passionate about helping people live the life of their dreams. Create your reality. Be inspired, do what you love and Get what you want. http://www.successinspired.com. Get free report on attracting success and wealth at: http://www.wisdomofgettingwealthy.com/rights/attractionaccelerator.pdf

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