Thursday, June 14, 2012

Backyard Safety: Keep Watch & Prevent Illness and Injuries




In the comfort of our own homes, it’s easy to forget that our children could be at risk for injury or harm. When were at home or our friends’ homes, we’re in our own comfort zones, which means we are more relaxed and calm, which can be a dangerous combination for our children. 

A few years ago I attended a pool party. A pool party seems harmless enough, doesn’t it? There were several adults and children present. The adults congregated around the deck to mingle and smoke hot dogs on a fire pit while all the kids swam in the pool playing a variety of games, including Marco Polo. I can still remember hearing those shouts, “Fish out of water!”

There were probably at least twenty adults outside drinking and barbequing on the fire pit and a handful inside enjoying the air conditioning. In general, most adults were within ten feet of the pool and with so many adults present, you would assume someone, anyone, was watching the children, right? Wrong…

As I listened to a story, I suddenly heard a loud bang. It was the sound of a door crashing into the wall. I turned and saw my uncle running full speed out of the house. He jumped over the patio fence and dove into the pool fully clothed. A child was at the bottom of the pool...No other adults had noticed even though we were all only a few feet away. None of the other children had noticed either since they were too caught up in their competitive game of Marco Polo.

It wasn’t until my uncle surfaced with the child did the panic set in. This child was a good swimmer and about six years old, but he almost died that day. Luckily, he didn’t because my uncle just happened to see from the second story window of the house that a child was at the bottom of the pool, not moving.

In this situation, I think everyone assumed someone else was watching, but no one was. So as a safety reminder when you’re in your backyard or anywhere for that matter, never assume someone is watching your kids unless they specifically indicate they are or will watch them in your absence. No one wants to lose a child, so don’t put your child at risk.

In addition to being 100% certain your child is being supervised at all times, remember these summer safety tips: 
 
•         Always wear sun block. Even on cloudy days, sunburns still occur and they occur often. Prevent peeling skin, premature aging and cancer by applying sun block to your little one every few hours.
•         Always have plenty of water and snacks on hand and make sure your child is actually eating and drinking. We can’t rely on children to feed themselves since when they are having fun, fun always comes first.

•         Practice fire safety. If you use camp fire pits in your backyard like me, make sure the fire is always attended and never allow children to get closer than three feet from the flames, unless they are directly assisted by an adult.

•         Always check your backyard thoroughly before allowing your children to play outside. Even in our own backyards, surprises can happen! I found a mouse carcass once, so keep your eyes peeled for other traces of animal activity like droppings, snake holes, etc. Most kids are explorers at heart, so the last thing we want is our children to stick their hands in snake hole or eat droppings. 

We all know summer is about having fun with our families, but when we have fun we sometimes forget safety. Before your next backyard party or outing, remember these easy safety reminders to ensure your day is fun and free of harm. 

As Rosalynn Carter once said, “There is nothing more important than a good, safe, secure home.”

Author Bio
Karen Ho Fatt is an outdoor enthusiast who loves using her camping propane fire pit whether she is at home with family cooking marshmallows or out in the woods. You can read reviews at her website on different campfire rings for sale and get the latest fire safety tips for your family.

Tuesday, June 12, 2012

4 Tips to Help Teenagers Set Successful Financial Habits



Teenagers look ahead to a whole future of earning and spending money, but if left on their own they’re liable to make costly mistakes and waste valuable time. Knowledge about how to manage personal finances is a lesson that should be taught in schools across the world because even more important than the math skills, students will learn valuable life skills that stick with them throughout their adulthood. Here are 4 relatively easy tips that can help teenagers look forward to future financial success.

Set Realistic Goals to Pay off Debt and Save for the Future
 
Goals allow people to prioritize how to spend their money without having to borrow funds from another source, whether it’s another person or a financial institution. Here are three common types of goals:
  1. Short-term goals are ones that you can achieve within six months to a year. Some examples are saving to go on a vacation, or paying of some kind of small debt.
  2. Mid-term goals are ones that are easily achieved in more than one year, but less than five years. Examples of mid-term goals are things like saving for a down payment on a house, buying a car, medical bills, or paying off small student loans.
  3. Long-term goals are ones that take longer than five years to achieve. Some examples are paying off a large amount of student loans, or paying for a home.
Whether you have one goal or several, listing the goal and then making a plan to achieve it will help avoid financial ruin. If you aren’t sure how to do this, see if the financial institution where you do your banking offers any kind of complementary services that help with personal finance planning.

Set a Budget that Respects Your Income and Avoids Credit Cards

Once your goals are in place, make a budget. Many people cringe at the word “budget” and for good reason. A budget recognizes how much money comes in each month and what portion goes out to pay bills. It helps us avoid frivolous spending and forces us to live within our means. It’s never as fun to live within your means as it is to live it up – especially when you have credit cards to handle your excessive spending habits. But with enough time and credit card use, you’ll not only have the debt to pay back but also hefty interest fees and other penalties. Thomas Jefferson offered the wise advice, “Never spend your money before you have earned it.” Regardless of your salary or geographic location, the advice still holds true.

Set Up a Checking Account to Track Your Personal Finances

I set up my first checking account when I was a senior in high school. Eager to save money from my first job, I enjoyed the security of knowing that my paychecks were directly deposited every other Thursday afternoon. During those first two years, I managed to bounce at least one check per month – a habit that cost me $22 per incident. One bounced check per month for two years cost me over $500. OUCH! You can’t imagine how much I’d have loved to have had that money back over the years, but what’s done is done.

Experience was a costly teacher but I’ve since learned to take advantage of keeping track of all my transactions with the electronic check register that’s part of my financial institution’s online banking feature. It helps me use my debit card with greater caution, and with the app on my smartphone my balance is just a quick text message away. And best of all, automatic bill pay, another free feature my bank offers, means I can pay all my bills without buying stamps, worrying about things getting lost in the mail, or driving to the utility office.

Set Up an Emergency Fund

Set up a separate savings account and use it as your emergency fund. I use my PayPal account as an emergency fund. Each month, 10% of my earnings go into the account so that if my car breaks down or I am sick and need to visit the doctor, the money is readily available. After I spend money from the account, I put as much as I can afford over 10% in until it reaches its previous balance and then drop back to 10% again. Guys, this isn’t a “my car needs bigger tires just to make me more popular with the girls” fund. And girls, this isn’t an “I need those boots because they’re 75% off!” fund. As tempting as it might be to dive into your emergency fund for a frivolous expense, doing it the first time makes it easier to repeat the action until the only emergency is that no funds remain.

Once a teen has saved up some money, they might even look into investing. An investment portfolio at a young age allows for riskier decisions with their funds because it gives them a longer time to recoup lost funds if the investment turns bad. Teenagers who aren’t yet 18 might find they need an adult to co-sign for certain types of financial accounts but after their 18th birthday young adults should have no trouble making their own unsupervised choices in regards to their money.

About the Author

Freelance author Melissa Cameron was no stranger to financial woes as a teenager, and often uses her own experiences as inspiration for writing tips to help today's teens avoid the same types of problems. Her articles cover all kinds of tips and advice, from saving to buy their first car to finding free personal checks online. When she's not writing, Melissa is a regular outdoor adventurer and enjoys hobbies such as mountain biking and hiking with her pals.


Monday, June 4, 2012

Beautiful Artwork: Michael Jackson!

I couldn't resist posting this amazing artwork of Michael Jackson!



Artist: Veronica Cousins

(By the way, this picture was drawn by my 11-year-old daughter, Veronica. She blows my mind with her talent! I don't know many adults who could come close to drawing like that...do you?)

If you feel the need to "borrow" this drawing, be sure to give proper rights to the artist! Thank you!


Saturday, June 2, 2012

Does Your Little One Love Music? 5 Apps to Keep Them Dancing

100% mendemej =D

Parents across the nation are singing the praises of the iPad, and not for reasons that you may think. iPads and other mobile devices have become common place in our lives. We use them to pay bills, get us to our destinations and keep in touch with our friends. Moms and dads are finding that iPads are also a great way to keep their toddlers entertained!

Long gone are the days of plunking your toddlers down in front of the television with a video to keep them occupied. Tech savvy parents are handing their children an iPad, and giving their kids an opportunity to learn in a creative and fun way. If you have a little one who loves music, here are five apps that are guaranteed to keep them dancing:

 

 

1.iXylophone

The app is as simple as a physical xylophone and just as irresistible. Your toddler can play one note or several, creating their own songs and musical wonders. The app has a soundtrack of 75 popular kids’ songs that your toddler can listen to or play along with. At just under a buck, the app is more than worth the money.

2.Wheels on the Bus

“Wheels on the Bus” plays in the background of this application as your children interact with the characters. The story is narrated and the app has won numerous awards, including the Technology Review Editor’s Choice Award for Excellence in Design and the 2010 Parent’s Choice Gold Award. If you download this application for your child, plan on having to pry your iPad from their hands!

3.Toddler JukeBox: Twelve Children’s Songs

If there’s one complaint about this application, it’s that there aren’t more songs! Toddlers are absolutely mesmerized by the fun application. Simple, easily recognizable icons allow your toddler to change the songs at their will. Parents are no longer tied to the remote control, waiting for their child to demand that certain songs are repeated. You toddler can control the app, playing songs until the batteries run out.

4.Sound Shaker

This silly application is sure to delight your toddlers for hours on end. Children can create and play their own songs using a chime, drum, whistle, barnyard sounds and other mysterious noises. The way that your toddler taps the icons can change the length or pitch of the available sounds. Sound shaker has been described as the 21st century rattle; download it and you’ll understand why!

5.Piano Ball

This app has so many choices that you’re toddler will never grow board with it. Menu options include Magic Shake, Learn Colors, Learn Songs, Toddler Mode, Rainbow and 4 Instruments. Each option gives your little one a different way to make music and learn music. Bright colors and a vivid display make the application as visually attractive as it is fun to play.
Toddlers are like sponges, absorbing everything around them. If yours loves music, these five applications will keep them entertained for hours. As a bonus, the apps will also teach your children hand-eye coordination and how single sounds are put together to make music. Download these apps for your toddlers and you may just create a future musician!

Tasha York writes for several higher ed blogs. She writes for www.ufl.edu where you can learn more about degree in music.




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