How to Avoid Setting Your Children on a Path Toward Financial Problems

 

A lot of parenting is about setting a good example. In teaching children how to deal with money, how you talk to them at a young age about it can help them in the long run. 

Parents can also go the other way by teaching their kids bad financial habits. 

Here are some money issues parents should avoid so that their children aren’t sent down the path toward money problems later in life. 

Giving Them Everything
It’s common sense not to spoil children, but parents often do because they can afford to—and because they want to give their children the best of everything. This can lead to a misunderstanding of how choices are made with money when they start earning incomes of their own. 

Cars, vacations, education and houses are some of the biggest expenses that parents can help their children afford. For young children, it can be too much to say “yes” to every request they make. Instead, focus on giving your time and explain why you have to say “no” to some requests. 

Excluding Them From Big Decisions
Money lessons come up daily or weekly—consider a trip to the grocery store for an easy one—but even big family expenses, such as buying a car or planning a family vacation, can be lessons in the value of a dollar. 

Vacation planning can be a fun way to get children involved and allow them to work within a budget. Determining where you’ll go, if you’ll drive or fly and what activities you’ll do while on vacation can be a deep lesson in how much things cost. 

Paying for Everything
If your child doesn’t have a job, it can be unreasonable to expect them to buy their own clothes, for instance. But once they start high school, most children should be able to find some type of part-time work so that they have the funds  to pay for things like car insurance or a cellphone plan. 

If parents pay for everything their child has, it can leave the child without “skin in the game” and a chance to have a stake in what they want. 

Forgetting Money Basics
Even if your child is taking a personal finance class at school, you should be talking to them about credit cards, interest rates on loans, debit cards and how to save for college, among other basics of financial life. 

If you don’t know where to start, begin by seeking help at your local library, community college or bank. Helping your children become financially literate is a great way to set them on the path to financial success. 

This article is intended for informational purposes only and should not be construed as professional advice.

How to Use a Fire Extinguisher

 

Fire extinguishers can save lives and property, but many people might not know how or when to use the protection devices, according to the U.S. Fire Administration. To help ensure you’re better prepared for a fire emergency, the agency offers the following tips:

Choosing the Right Fire Extinguisher
There are five primary types of fire extinguishers, each designed to put out different kinds of fires:

• Class A. For use with ordinary materials like cloth, wood and paper. Often found in homes and businesses.
• Class B. For use with combustible and flammable liquids like grease, gasoline, oil and oil-based paints. Often found in homes and businesses.
• Class C. For use with electrical equipment like appliances, tools or other equipment that’s plugged in. Often found in homes and businesses.
• Class D. For use with flammable metals. Often found in factories.
• Class K. For use with vegetable oils, animal oils and fats in cooking appliances. Often found in commercial kitchens.

For the home, choose a multipurpose fire extinguisher that covers Class A through Class C for fighting all three types of common house fires. Most home improvement stores carry multipurpose A-B-C models. In addition to fire extinguishers, every household should have working fire alarms and a fire escape plan.

When to Use a Fire Extinguisher
Fire extinguishers are designed for small, confined fires, not large ones that are growing. Before using an extinguisher, make sure the fire is contained in a single object, such as a pan or wastebasket. Alert others in the building that there’s a fire, and have someone call the fire department. Before proceeding, make sure you are physically able to handle the fire extinguisher, safe from the fire’s toxic smoke and have a clear escape route.

To operate a fire extinguisher, remember the acronym PASS:

• Pull the pin. Hold the extinguisher with the nozzle pointing away from you, and release the locking mechanism.
• Aim low. Point the extinguisher at the base of the fire.
• Squeeze the lever slowly and evenly.
• Sweep the nozzle from side-to-side.

If you’re unsure about whether it’s safe to use a fire extinguisher–and for all other fire situations–alert others, leave the building, and call 911 from a mobile or neighbor’s phone. Safety should be the top priority, and it’s essential to follow your instincts and know when to get out. As such, it’s not recommended that children use fire extinguishers.

The Importance of Maintenance
To ensure fire extinguishers are ready in case of an emergency, make sure to regularly check them for the following:

• Easy access in an emergency. Be sure nothing is blocking or limiting your ability to reach the extinguisher.
• The recommended pressure level. Many extinguishers have gauges that show when pressure is too high or too low.
• Working parts. Make sure the can, hoses and nozzles aren’t damaged, dented or rusted.
• Remove any dust, oil or grease that might be on the outside of the extinguisher.
• Guidelines and instructions. Some extinguishers need to be shaken monthly, while others need to be pressure tested every few years.

If you would like fire extinguisher training or have any questions, contact your local fire department.

Backyard Summer Prep Tips

 

Why Bedroom Location Is Important If You Have Children

 

If you’re searching for a new home and you have kids, one of the most important things to think about is the floor plan. The location of your kids’ bedrooms can affect the amount of noise, how much privacy family members have and how you will all interact with each other.

Bedrooms Together or Separated?
For families with young kids, it’s generally a good idea to choose a house with bedrooms grouped together. This can make getting the kids ready for bed and school easier than it would be if their bedrooms were spread out. Having bedrooms close together can also encourage siblings to play and help keep toys in a relatively confined area. If you have or plan to have a baby, a house with a nursery close to the master bedroom can make it easy to take care of nighttime feedings and diaper changes.

When your children reach middle and high school, they will most likely want more privacy. If your kids are older or will be out of the house soon, it may be better to choose a house with bedrooms that are more spread out so they can each have their own space. Consider updating the attic, basement or additional living space into a bedroom for older children, especially if they plan to live at home while attending college.

One or Two Levels?
Another thing to consider is whether to choose a one- or two-story house. Having the bedrooms and living areas on the same level can make it easier to keep an eye on young kids, but it can also make it difficult to keep the house clean.

With all the rooms on one floor, you won’t have to hear footsteps above you, but you will hear the sounds of TVs, video games and music through the walls. That may be a problem if your family is particularly noisy, especially if you work from home.

If your kids are older and you feel comfortable leaving them unattended, a multi-level house may be a better choice. This can give your children an opportunity to spend time in their own rooms and give them some added privacy.

If you like to have guests over for dinner or parties, having your kids’ bedrooms upstairs will make it easier to keep the downstairs clean while allowing the kids to play in their rooms if they don’t want to hang out with the adults. After the kids go to bed, you will be able to continue to spend time with your guests without worrying that the noise will keep the kids awake.

Think About Your Current Lifestyle and Future Needs
Deciding which house would be the best for your family can be complicated. The locations of bedrooms throughout will affect your family’s day-to-day lives in numerous ways, so give it careful consideration to figure out which floor plan will work best for your family, both now and in the future.

Working Out? Don't Forget to Stay Hydrated.

 

Did you know you can lose up to five percent of your body’s water weight every time you work out? Staying hydrated is a necessary aspect of any healthy workout, but it can be easy to forget to drink water once you start exercising. Take a sip of the good stuff with these hydration tips from the Army National Guard–it’s vital!

• Cool, plain water is the best drink to replace the fluid lost as sweat and help regulate your core body temperature.
• Plan to drink water before, during and after exercise to prevent dehydration and help enhance performance. Sip a 16-ounce bottle of water every hour while working out.
• Outdoor workouts require extra hydration, even during cooler weather. The water content in your skin helps it perform its protective functions, including limiting damage from the sun. Make sure to drink plenty of water before, during and after any time spent in the sun.
• Learn to recognize signs of dehydration, so you can take steps to reverse it. Early signs include muscle cramps and fatigue, while a dry mouth, headache, dizziness, slurred speech and confusion all signal advancing dehydration. If your extremities become swollen or you become feverish, medical attention is necessary.
• If you find yourself dehydrated and water isn’t available, a melon, orange, celery, cucumber or bell pepper can help replenish your body’s water content.
• Make it a post-workout practice to replenish electrolytes with a banana, dates or coconut water.

It’s important for everyday health to keep well-hydrated away from the gym, too. Staying properly hydrated helps regulate your body temperature, weight and mood. Keep a refillable bottle of water with you wherever you go, and if you need a touch of flavor, add lemon, lime, pineapple or cucumber for a refreshing twist. Aim to drink 50 to 75 percent of your body weight in ounces of water each day to stay hydrated.

Source: GuardYourHealth.com

Good News: You Can Wash These Items in Your Washing Machine

 

You may be meticulous about checking your clothing labels to find out if they’re machine washable, but what about other items around the house in need of a deep clean? Your washing machine can actually be put to work on several surprising items. Check out these suggestions from marthastewart.com (but do check labels first, just in case!):

Pillows. Pillows should be cleaned every 3 – 6 months to remove bacteria and mold. Whether yours are made from natural material, like down, or synthetics, toss them in the washing machine for a thorough cleaning. Keep in mind, front-loading machines are better for pillows, which tend to float in top loaders.

Backpacks. Whether it’s crammed with books and school lunches, or been through a rugged hike or camping trip, backpacks can be returned to almost good-as-new after a cycle in the washing machine. You might want to spot test first, if you’re afraid of colors bleeding, and be sure to empty out every nook and cranny.

Shower curtain liners. You’ve probably thrown your shower curtain in the washing machine many times, but did you know you can wash your liner in there, too? According to Martha Stewart, clean vinyl, nylon, cotton or hemp liners in the washing machine with hot water and mild detergent, then simply shake it out and rehang to dry. No dryers, please!

Plush toys. Your child may not be able to part with that lovable stuffed animal he or she brings everywhere, but it can also become a breeding ground for bacteria and dirt. You’ll need to be selective, though – washing machines are not the place for toys with lots of embellishments on the outside, like buttons and bows, or mechanical parts within.

Sports equipment. Have an athlete in the house? Then you’re all too familiar with the array of malodorous equipment that comes with the territory. The good news is that a wide assortment of sports paraphernalia can be tossed in the washing machine, including shin guards, elbow pads and knee pads. Fasten Velcro straps, snap snaps and zip zippers before washing to avoid snagging on other items, and always use a cool water temperature to make sure the items don’t get disfigured.

Pet beds. Another household item that should be frequently cleaned, toss pet beds in the washing machine to do away with odors and dirt tracked in by your beloved furry family member. 

Before washing any of the above items, refer to your washing machine’s manufacturer’s guidelines. There may be special settings that will make the task that much more effective and safer for your machine.