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Teens don’t learn responsibility overnight. If you haven’t been working with your teen on gradually giving them a sense of independence and ownership of their lives, then you’re going to have your work cut out for you. Don’t wait until it’s too late.

By the time your children are in high school, they should be doing for themselves a lot of the things you’ve been doing for them all of their lives. What does your teen do when they have a problem? Run to you? Or try to solve his/her own problem, maybe coming to you for advice when they’ve exhausted their own resources?

I don’t know about you, but I want my daughter to be self-sufficient when she heads off to college. I want her to be able to choose her own friends, manage her own expenses, be up to the challenge of solving everyday problems in an effective and positive manner, and generally get her adult life off to a good start.

Sound difficult? Not if you start out with the small things. My teen told me most of her friends don’t even know where their moms do their grocery shopping. I couldn’t believe it. My daughter is involved with planning our meals (it’s in her interest if she wants a say in what we’re having to eat), and she goes to the grocery store with me every single week and helps me mark each item off the list. She reads labels, compares prices, and tells me when she thinks I’m spending too much money on something. And why does she care how much money I spend you might ask? Because our family’s finances are tight, and she knows that any money we save at the grocery store our family will be able to spend somewhere else. What a great life lesson.

Because our family’s finances are tight, my daughter has also learned how to budget. She is not directly involved in our financial planning, but she sees me making our budget and deciding the way we spend our family’s money. She knows that when more money than expected has to be spent in a certain area, that something else has to give. She knows that money doesn’t grow on trees. She’s started to budget her own money–tithing, spending some, and saving some.

A lot of my daughter’s friends wear expensive designer clothes. She knows we can’t afford to buy clothes like that for her, so we frequent local thrift and clothing consignment stores, shop bargain sales, and do a lot of yard saling. Sure, I wish I could spend more money on her clothes, but she still finds much of the same designer clothing her friends wear. Other friends are jealous of the good buys she finds. When my daughter grows up part of me hopes she can afford nicer things for herself. But deep down, I’m grateful for the life lessons she’s learning. Whether she has money or not, she will never want for anything because she knows how to get by no matter what her circumstances.

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You might think your teen would think it a chore to go grocery shopping and shopping for second-hand clothing. My daughter doesn’t look at it that way. Partly she’s bored and wants to get out of the house, but going through these daily routines together is much of the time we spend together, hanging out and talking about other things on her mind. More than half of the time we spend in deep discussion takes place in the car driving from one place to another. I wouldn’t trade that time for anything.

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I’m not worried about whether or not my daughter is going to be able to take care of herself when she goes off to college. I’m certain she’ll be up to the challenge.

A freshman in high school this year, she has four more years to practice before she’s on her own. She cooks dinner once a week or so, does some of the laundry, and helps clean up after our pets keep the house clean. At her age, homework is most important to us and that takes priority over other things, so we don’t overload her with chores, but my main concern is that she knows HOW to do these things. Especially with something like cooking it takes time to learn some of these skills. And if you don’t have enough patience to help them learn something like how to cook, then let them learn through trial and error. Let them cook what they want to cook and let them even go buy the groceries to make it.

Let your teens schedule their own appointments and make other phone calls you normally make for them. I think everyone has a little fear of the phone at first, but after the first few times they’ll enjoy the responsibility they’ve earned.

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And did you notice what effect these changes will have on your life? Less responsibility and demands on you! It’s a little hard to let go at first and you might have to take baby steps in handing over the reigns a little, but you’ll be so proud of your teen the first time they take initiative on their own. When they leave home you’ll worry less and know it was a job well done.

About The Author

Rachel Paxton is a freelance writer and mom who is the author of What’s for Dinner?, an e-cookbook containing more than 250 quick easy dinner ideas. For more recipes, organizing tips, home decorating, crafts, holiday hints, and more, visit Creative Homemaking at http://www.creativehomemaking.com

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Information On Private Student Loans

 by: Bob Hett

Getting an education after high school is becoming more and more expensive. But it is also becoming more and more of a necessity to get a good job that pays well and has adequate benefits. For this, most young people need to attend college or some other type of additional training. Most of them can t afford to pay for their education by themselves and end up looking for financial help of some kind.

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Student loans are a popular choice, but federal student loans are based on financial need, and some students do not fit into those guidelines. An alternative choice for these students or their parents is a private student loan. These are loans done through private lenders instead of the government. The advantage of these types of direct student loans is that they have many of the same kinds of benefits as federal loans.

These loans can be used for any and all college expenses. Things like tuition, books, supplies, computers, and living expenses are all things that qualify for private student loan funds. These loans are unsecured, meaning that no collateral is needed. The loans are credit-based instead. This can mean that the student might need a co-signer if they have not established a credit history, or their parents can apply for the loan instead.

A private education loan is usually a low-interest loan. Borrowers can shop around to find the best rate. There are generally no application fees to apply for this type of loan and there are also no deadlines for applying. The money can be delivered in as little as five days, and the money is given to the student instead of the school. The student is then responsible for paying for their various educational expenses.

This kind of loan has other advantages similar to federal loans. The interest and principal payments can be deferred until the student graduates from school. For most of these loans, a student is required to be attending school at least half time for the deferral of payments and interest.

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When the student does graduate from college, the loans can usually be deferred for six months until the student finds employment, and then the loan holder will generally have a variety of repayment options available so that the student can tailor their payments to their income.

A private student loan is the ideal answer for students who do not meet federal requirements for financial need or whose educational expenses are not fully covered by their federal financial aid. Many lenders offer private student loans to students or their parents and the application process is simple and free. The loan requirements are usually less stringent and the repayment options are affordable for young professionals. A private student loan is a great way to finance the education of any student that needs financial help.

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About The Author Bob Hett offers great tips and advice regarding all aspects of Student Loans. Get the information you are seeking now by visiting http://www.studentloansreview.info.

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Reading Activity For 2nd Grade

 by: Mary Joyce

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As you think about or look at a reading activity for 2nd grade keep in mind that about the 2nd grade reading level is an area of reading transition for the young reader. As you begin to make the transition into a 2nd grade reading level with your child, its important to keep notes for yourself at to what arrears need improvement or more work and where you will start your activities the next time in your overall reading activities for your second grader. With 2nd graders, your reading activities that you have planned have to be fairly flexible. Again, this is a transition time for kids this age. Their reading material is going from shorter to longer sentences; of course the degree of difficulty rises And the dreaded pages with none or not many pictures are becoming way too frequent! Indeed this transition time can cause bad days at the old reading shop. And when this happens you won t get accomplished what you wanted to that day and tomorrow you ll have to spend time going back for review and practice. And you ll have to adjust plans as needed. Many times it s just a matter fine tuning the allotted time you have planned for each reading activity.

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Don t let these minor difficulties set you back. Many kids as they enter the 2nd grade reading level have these occasional difficulties. It is important for you to understand that this does occur and isn t at all uncommon at the second grade reading level. Don t panic. Be cognizant of your child s attention. Take breaks if you begin too notice rising frustration levels or read something funny or fun that the child likes.

Do a bit of research on some reading activities for the second grade in order to determine some baselines areas such as how many words per minute should you be looking for and be sure to track the progress. What degree of difficulty are the words and the sentence structures they form. Once you ve books that you are comfortable that they are at the right reading level, then it s just a matter of practice, and a plan of continuous improvement.

Remember the second grade reading level is an age of reading transition essentially making the step from bigger letters, shorter words, less emphasis on the phonics, to fewer pictures, more words, vocabulary building, and longer sentences. It is at the second grade reading level that you should begin monitor and track the areas of reading fluency and see a steady progress in the words per minute your child can read and comprehend.

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About The Author Mary Joyce is a former educator, successful homeschool parent, and the primary contributor to the Homeschool-Curriculum-4u website. Please visit (http://www.homeschool-curriculum-4u.com) for more of Mary’s articles, resources on homeschool, ideas, and curriculum information. Also tips guides and how-to’s to help you successfully teach your child at home.

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Maximizing Your Study Time for Better Results

 by: Roger Seip

The daily schedule for many young students today could rival that of several top-level executives. With soccer practice, dance, scouts and clarinet lessons taking up much of the evening, when do students get to focus on their studies? Too often students get overwhelmed with the amount of work left over at the end of the day. They look at study time in one big sum and get distracted and exhausted before they even begin. To solve this problem, you may not be able to adjust your child s schedule, but they can change their study techniques.

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Here are 3 study techniques that will help any student maximize their study time.

They should start by separating and segmenting their study time. Break it up into smaller bits. No matter how brilliant you are a concentrated attention span lasts only about 20 minutes. So break your 2 or 4 hours study sessions into groups of 15 or 20 minutes. During the break, stand-up, walk around, grab a bit to eat or something to drink and then get back to the grind for another 15 or 20 minutes. This not only helps create spaced repetition, which is crucial for retention, but helps make study sessions less stressful and daunting.

Another tool to help in maximizing study time is to use random practice. When reviewing lists or concepts don t go in order. Skip around to force your brain to pull from an entire group of information. This aids in understanding the purpose or meaning behind a concept instead of merely its place in line. The simplest way to implement random practice is through the use of a study partner.

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Use a Study Partner. When at all possible, it is very beneficial to study with another student who shares the same educational goals and motivation. A study partner can help identify areas of weakness and ensure that topics don t get skipped. It s also beneficial to witness how another student takes in and stores information. For this reason and others, it is better for the study partner to be another student, but parent don t be afraid to fill this position. The progress gained from working with a partner in general is worth it.

Proper and efficient study techniques will follow a student through all levels of education and learning. Establishing good habits and skill sets, no matter how small or insignificant they may seem at the time, will prove to reap massive rewards in the long run. So while little Johnny and Suzy might need their first day planners before the third grade, don t let it stop them from becoming the best students they can.

About The Author Roger Seip is a nationally known memory trainer. He has helped thousands of students across the country improve their memory as well as study habits. Though this is one of the best articles, I’m bit unsure about its efficacy for everyone. It gave happiness to those who were on the lookout of . It was not giving output for few. Only you have the ability to be the perfect critic of this article. To evaluate if the article holds some significance for you, you must comprehend it till the concluding word. His new program, The Student s Winning Edge - Memory Training, teaches students how to train their memory to study more effectively and get better grades. For more information on how your student can have a more powerful memory visit http://www.memorytrainingforstudents.com or email info@memorytrainingforstudents.com.

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YOUR GUIDE TO HIGH SCHOOL SOCIAL GROUPS

AS OF 2004

Intro: This guide will attempt to classify and organize ALL High School social groups in an organized, encyclopedic manner. They are listed in order alphabetically, following with a summary and description of all physical, mental, monetary and other such traits. Also what will be found is references to groups that may fit under more than one group and/or mixes of groups. As is follows:

Average People

Average people are obviously average in most or all aspects of their overall appearance and manner. They are neither rich nor poor, cool nor uncool, etc. Average grades in school work are another obvious trait. So all in all, average people are average.

Gangsters

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Gangsters are gangsters. They hang out all grouped together, wearing the same colors, blue or red most prominently. There are also wannabe gangsters and stoner gangsters.

Goths

“Goths”, short for the people who dress and act gothic, are people who do just that, dress and act gothic. Obvious traits are spikes, chains, studs etc., all or mostly black clothing and other dark fashions, and pale skin in some cases. Wannabe and stoner goths also exist.

Hicks/Hillbillies

Hicks, also known as hillbillies, are mostly the people who openly like country music, live/work on a farm, wear hick type clothing like tight pants, truck driver hats, and shirts that say things like “Joe Bob’s Towing Company” or “Jimmy’s Welding”. Other such traits may include the possesion of a big ol’ truck or other beat up, dirty vehicle that could be used on a farm or out in the country. Stoner hicks are also present.

Jocks

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Jocks are those that are into sports, obviously. They are on all of the teams every year and think they’re all bad and stuff. Sports most associated with jocks in order from greatest to least are: Football, Basketball, Baseball, Soccer, Tennis, etc.

Losers

See “Not Smart Nerds”

Nerds

Nerds. Wow. Nerds are usually considered as socially inept. There are two main types of nerds: Smart ones and Not Smart ones.

Smart Nerds

Smart nerds are just that, socially inept losers who are accademically superior to most around them. Sometimes the social clumsiness is caused from the pressure of being smarter than others. Other times, they just don’t know how to talk with a lot of people and would rather just hang out with their good friends.

Not Smart Nerds

Not smart nerds consist of just that, people who are considered low on the foodchain, unpopular, weak, and otherwise small and insignificant and are not accademically superior to many.

Preps

Preps are the elite of the elite. They are all rich and think their better than everybody. Most are found in groups and teams such as: Cheerleaders, and Football players(which can also be construde as jocks) and other such things as the student body organizations and other stuff like that.

Psychos

Psychos are those people that sit all by themselves at lunch and plot world domination and other freaky stuff. Some also literally have mental or social problems and could kill you for the smallest thing. So that’s why they are psychos.

Punks

Punks are just those people who aren’t stoners or gangsters, but they just aren’t going anywhere in life and get in trouble for stuff like lifting cars and doing graffiti and other vandalsim and theft.

Rockers

Rockers evolved from wannabe goths. They’re the people who if you call ‘em goths they get all pissed off. They dress in black and spikes and stuff too, but they’re just called “rockers” instead. No one knows why.

Skaters

Skaters are obviously skaters. Skateboarders that is. No one roller blades anymore it seems like so the Skaters category is made up of a majority of skateboarders. Most noticeable trait: T-shirt, hat, sweatshirts etc. covered with a skate brand logo.

“Special” People

Literally special people are the people who are in the Special Education program.

Stoners

Drug users.

Wannabes

Wannabes come in a variety of shapes and sizes but are just weenies who pretend to be what they’re not. Another term that seemed to be started by skaters referring to wannabe skaters is “posers”. There are wannabes for just about every group imaginable.

About The Author

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Jacob Jacobsen - Lives in a dark basement in New Hampshire.

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When the Teacher Becomes the Student

 by: Joe Martin

A relationship expert once said that during an argument, there s usually three sides to every story: his side, her side, and of course, the truth.

This is something we must definitely keep in mind as teachers. As educators (especially professors), we have been accused of having the biggest egos on this side of Mount Rushmore. One of the quickest ways to burn out in education is to refuse to embrace change. Whether we want to admit it or not, life moves and changes constantly.

Students are constantly exposed to material we once never dreamed existed. Ironically, although students are exposed to more, they typically know less and are less mature than the generations before. However, that does not discredit the fact that students still bring a unique perspective to our classroom; it s through their eyes that we can become better teachers.

One of my best strategies for maintaining a high level of motivation in the classroom came as a result of a technique I learned as a stockbroker and sales trainer. Rule #1 in sales is that in order to bring the customer to where you are (your level of understanding), you must first go to where they are (they re current level of understanding). In simple terms, you must know your customer (in this case, your student). This simple principle recharges and rejuvenates my batteries every semester; because the more I know, the more I grow.

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Relating this concept to the education arena, you must simply and clearly define your objectives and what you would like to see happen over the course of a semester (or even a brief interaction) with a student, and then you help your students to do the same. In other words, know where YOU want to go, help them find out where THEY want to go, and then come up with a strategy for both of you to get there. In negotiating terms, they call this a win-win solution. Obviously, this strategy can only work if you value the student, and you believe he or she can make you a better teacher.

For instance, during my first three years in education, I quickly realized that what I wanted and what students believe they needed were diametrically opposed to each other. However, after many personal talks with former students, I soon discovered that students weren t as concerned with the subject matter itself as they were with how the subject matter was being taught. They were more concerned with my attitude than the answers I would give them. This was a revelation.

I came to the conclusion that, like a parent, my experience and education dictated that I was qualified to teach them what they needed to know to succeed. However, when it came to how they received the information, I was totally at their mercy. Because, regardless of how good or important the subject matter is, if no one is listening, then no one is learning. It was at that point that I decided to go to where they were in order to bring them to where I was.

I met individually and collectively with students to get their perspectives on the class. I asked them about what worked in class and what didn t? I asked them about what they would like to see more or less of? What would they like to see changed (about myself and/or the class)? I asked them if whether or not they would recommend this class to another student, why or why not? I asked them what would make the class more productive and more interesting? These questions can be asked in almost any work environment, for almost any department, not just in the classroom. I asked similar questions of my clients when I was in Corporate America.

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All of the input I received, except for the individual meetings, were done anonymously. I can t begin to tell you how important this information has been to my career. But in less than a year after implementing this idea, I was nominated twice for the distinguished teaching award at my school (the youngest ever nominated).

If you want to become a more productive educator in or outside of the classroom, the key is student input you must seek it. They say that the definition of insanity is doing the same things over and over again, but expecting different results. If you listen to and solicit feedback from your students, you won t have to repeat the mistakes of the past. So value your students and their input; trust me, they hold the keys to your success.

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About The Author Dr. Joe Martin is an award-winning speaker, author, professor, and educational consultant and owner of New Teacher Success. Visit http://www.newteachersuccess.com today!

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Get Ready For Prom Party, Lifted Your Performance With Prom Shoes

 by: Diana Claire

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Prepare yourself for the upcoming unforgettable moment! You have set up some interesting agenda, and of course you don t want to ruin it. It s now only several days ahead! Have you prepared for everything? Make sure you have the most beautiful dress you ve ever had and show it to the people around you on that important day. Don t forget your prom shoes, girls! It s one of the most important things you must prepare! You must also remember to match the prom shoes with your gown and let them make an amazing combination. .

A huge selection of prom shoes will surely make your party wonderful. You can choose pairs with beautiful and updated styles

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The most important thing to consider when decorating a child s room is to make the child comfortable. You want to surround them with fun, playful items. The way this room is designed is going to have an effect on the psyche of the child, so allow room for imagination and freedom.

It may be helpful to let the child help you decorate. Pick out the colors, or the wallpaper together. One trick is to purchase inexpensive plain white wall paper, then when it is up, let the child paint a mural of their choice on it. You can do this once a year and continue to reinvent the room over and over again.

Big boxes and lots of shelves will help the child keep the room clean. Make labels for all of the containers with big bright words, that will help remind the child what that container is for.

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Decorating in toys is another idea for a child s room. Set up scenes on shelves, or tables, with their toys in different poses. You can have action toys attacking an enemy base, or dolls working in a kitchen. This allows the d cor to be a play item itself. Every time you look at the scene you will get new ideas and more inspiration.

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Mostly just let the room be imaginative. Use bright colors, and create a d cor that will give the child s mind something to think about, and room to explore. Don t hold back, you can play too.

For more information on decorating a kid s room you can view this website

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About The Author

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This article written by Joey Lewitin, a designer of fine home furnishings and interior decor. You can view his interesting creations and styles here http://pebblez.com.

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info@pebblez.com

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YOUR GUIDE TO HIGH SCHOOL SOCIAL GROUPS

AS OF 2004

Intro: This guide will attempt to classify and organize ALL High School social groups in an organized, encyclopedic manner. They are listed in order alphabetically, following with a summary and description of all physical, mental, monetary and other such traits. Also what will be found is references to groups that may fit under more than one group and/or mixes of groups. As is follows:

Average People

Average people are obviously average in most or all aspects of their overall appearance and manner. They are neither rich nor poor, cool nor uncool, etc. Average grades in school work are another obvious trait. So all in all, average people are average.

Gangsters

Gangsters are gangsters. They hang out all grouped together, wearing the same colors, blue or red most prominently. There are also wannabe gangsters and stoner gangsters.

Goths

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“Goths”, short for the people who dress and act gothic, are people who do just that, dress and act gothic. Obvious traits are spikes, chains, studs etc., all or mostly black clothing and other dark fashions, and pale skin in some cases. Wannabe and stoner goths also exist.

Hicks/Hillbillies

Hicks, also known as hillbillies, are mostly the people who openly like country music, live/work on a farm, wear hick type clothing like tight pants, truck driver hats, and shirts that say things like “Joe Bob’s Towing Company” or “Jimmy’s Welding”. Other such traits may include the possesion of a big ol’ truck or other beat up, dirty vehicle that could be used on a farm or out in the country. Stoner hicks are also present.

Jocks

Jocks are those that are into sports, obviously. They are on all of the teams every year and think they’re all bad and stuff. Sports most associated with jocks in order from greatest to least are: Football, Basketball, Baseball, Soccer, Tennis, etc.

Losers

See “Not Smart Nerds”

Nerds

Nerds. Wow. Nerds are usually considered as socially inept. There are two main types of nerds: Smart ones and Not Smart ones.

Smart Nerds

Smart nerds are just that, socially inept losers who are accademically superior to most around them. Sometimes the social clumsiness is caused from the pressure of being smarter than others. Other times, they just don’t know how to talk with a lot of people and would rather just hang out with their good friends.

Not Smart Nerds

Not smart nerds consist of just that, people who are considered low on the foodchain, unpopular, weak, and otherwise small and insignificant and are not accademically superior to many.

Preps

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Preps are the elite of the elite. They are all rich and think their better than everybody. Most are found in groups and teams such as: Cheerleaders, and Football players(which can also be construde as jocks) and other such things as the student body organizations and other stuff like that.

Psychos

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Psychos are those people that sit all by themselves at lunch and plot world domination and other freaky stuff. Some also literally have mental or social problems and could kill you for the smallest thing. So that’s why they are psychos.

Punks

Punks are just those people who aren’t stoners or gangsters, but they just aren’t going anywhere in life and get in trouble for stuff like lifting cars and doing graffiti and other vandalsim and theft.

Rockers

Rockers evolved from wannabe goths. They’re the people who if you call ‘em goths they get all pissed off. They dress in black and spikes and stuff too, but they’re just called “rockers” instead. No one knows why.

Skaters

Skaters are obviously skaters. Skateboarders that is. No one roller blades anymore it seems like so the Skaters category is made up of a majority of skateboarders. Most noticeable trait: T-shirt, hat, sweatshirts etc. covered with a skate brand logo.

“Special” People

Literally special people are the people who are in the Special Education program.

Stoners

Drug users.

Wannabes

Wannabes come in a variety of shapes and sizes but are just weenies who pretend to be what they’re not. Another term that seemed to be started by skaters referring to wannabe skaters is “posers”. There are wannabes for just about every group imaginable.

About The Author

Jacob Jacobsen - Lives in a dark basement in New Hampshire.

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Maximizing Your Study Time for Better Results

 by: Roger Seip

The daily schedule for many young students today could rival that of several top-level executives. With soccer practice, dance, scouts and clarinet lessons taking up much of the evening, when do students get to focus on their studies? Too often students get overwhelmed with the amount of work left over at the end of the day. They look at study time in one big sum and get distracted and exhausted before they even begin. To solve this problem, you may not be able to adjust your child s schedule, but they can change their study techniques.

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Here are 3 study techniques that will help any student maximize their study time.

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They should start by separating and segmenting their study time. Break it up into smaller bits. No matter how brilliant you are a concentrated attention span lasts only about 20 minutes. So break your 2 or 4 hours study sessions into groups of 15 or 20 minutes. During the break, stand-up, walk around, grab a bit to eat or something to drink and then get back to the grind for another 15 or 20 minutes. This not only helps create spaced repetition, which is crucial for retention, but helps make study sessions less stressful and daunting.

Another tool to help in maximizing study time is to use random practice. When reviewing lists or concepts don t go in order. Skip around to force your brain to pull from an entire group of information. This aids in understanding the purpose or meaning behind a concept instead of merely its place in line. The simplest way to implement random practice is through the use of a study partner.

Use a Study Partner. When at all possible, it is very beneficial to study with another student who shares the same educational goals and motivation. A study partner can help identify areas of weakness and ensure that topics don t get skipped. It s also beneficial to witness how another student takes in and stores information. For this reason and others, it is better for the study partner to be another student, but parent don t be afraid to fill this position. The progress gained from working with a partner in general is worth it.

Proper and efficient study techniques will follow a student through all levels of education and learning. Establishing good habits and skill sets, no matter how small or insignificant they may seem at the time, will prove to reap massive rewards in the long run. So while little Johnny and Suzy might need their first day planners before the third grade, don t let it stop them from becoming the best students they can.

About The Author Roger Seip is a nationally known memory trainer. He has helped thousands of students across the country improve their memory as well as study habits. This stuff is exceedingly excellent still some readers are doubtful about its positives. It worked for some of the readers who were looking for HSC Reading. To few, unproductive! You can assess this report if you are all hot for the facts on HSC Reading. Scan till the end to feel if it works for you. His new program, The Student s Winning Edge - Memory Training, teaches students how to train their memory to study more effectively and get better grades. For more information on how your student can have a more powerful memory visit http://www.memorytrainingforstudents.com or email info@memorytrainingforstudents.com.

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