Category Archives: Uncategorized

5 Things you need to know about student loans

 

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student loans

Most parents would prefer that students enter college on a full scholarship. The harsh reality is that few students do. How do you make up the difference? Students and parents take out loans. Student loans are usually a part of most financial aid packages. Ideally, you should try and graduate with minimal debt. But sometimes loans can supplement scholarships, work study and merit aid.

Here’s the problem, however. When you start sifting through all the words and the small print, it can be a bit overwhelming. You should never borrow any college money without reading the fine print. Parents and students need to understand what they are signing and how the amount will have to be repaid. You can’t just look at the current situation when deciding. You have to look at the future and how that debt will affect the student.

Don’t sign on the dotted line before checking out Zinch’s high school blog on how to sift through the student loan terminology.

Mom-Approved Tips: Keeping Social Media Clean and Safe

 

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teen social mediaSocial media—it’s a quandary. On the one hand it has become an excellent tool to communicate with family, friends and networking with businesses. On the other hand, it leaves a footprint of everything you do, share or say. Teens are especially vulnerable as they begin to think about college. And as their lives progress, the quantity and the quality of that footprint will affect future job prospects.

Are you friends with your teen on Facebook?

It may sound invasive but it’s a parenting effort that is becoming more and more popular. According to a recent survey, 46% of parents are friends with their kids on Facebook. Why would you do that? It allows you to monitor their friendships, see what they are talking about, and protect their privacy. One mother only allows her son to be friends with his “real life” friends. Whatever you decide about the boundaries, make them clear from the start. Explain to your teens why it’s necessary and remind them that just as you protect them in the world, it’s your responsibility to protect them online.

Does your teen understand “forever”?

Google never forgets. And I mean NEVER. Explain to your kids that whatever they post now will be in cyberspace forever. Even if they delete their pages or pictures, copies might still be accessible by search engines or from others who have saved copies to their computers.

Just the other day, I was looking at a job application for my husband and the company posted this in the ad. Think companies won’t care if you posted questionable content in the past? Think again:

In addition to other background checks the Company or its designees may perform, I also authorize the Company to research information publicly available on the internet, including without limitation social networking sites and blogs, for purposes of evaluating, in the Company’s discretion, my suitability for employment, promotion, retention, and/or reassignment. I recognize that the Company has legitimate business interests in reviewing this information that is available to the public, either now or in the future, and I have no expectation of privacy with respect to such information.

Is their social media “grandparent friendly”?

This is a no-brainer. Just ask them to ask themselves if their grandmother would approve of what they post. Most kids wouldn’t want to disappoint their grandparents. Parents maybe. Grandparents—never.

Who are they friends with?

Keep a close eye on who your teen has on their friend list. Are they people you know? If not, ask them who they are. Remind them to NEVER accept any friend request from someone they don’t know. You never know what an unknown friend will do with your posts or photos.

Have you set the privacy settings?

Facebook recently rolled out a graphing feature that can potentially be misused and abused, especially with children. If you haven’t heard of it, you can see what it does in this article: Facebook graph search gets personal. Your teens are at risk for all kinds of picture mining and it just underscores the fact that information is out there (especially pictures) and you need to safeguard your kids.

Here’s what you can do to protect yourself and your kids

The Online Mom is always my go-to resource for all things tech related that affects our children. On her site, they address the concern about privacy settings:

Understand your site’s privacy policies, and check out the safety tools they make available to parents, if any. Many sites prohibit children under 13. Don’t give your children permission to use these sites: those restrictions are there for a reason. (By the way, the Children’s Online Privacy Protection Act, which requires sites to get your permission before they collect, use, or share any information about your child. If a site lets your child register without notifying you, they’re violating a federal law.)

If you aren’t social media familiar, you best get cracking. Your teens are. They tweet. They post. They post upload photos to Instagram. They interact with everyone using social media tools. The tools are great for connecting but they can also be abused. As parents it’s our responsibility to stay on top of their activity.

Years ago, there was a public service announcement at 10pm every night (curfew time) and it said, “Do you know where your children are?” Parents have the same problem but the parameters are different. I’m asking you the same question, “Do you know where your children are (which sites your kids are active on and who they are talking to)?”

 

NatureBox Care Package Giveaway

 

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It’s back to school time and your kids or college students will be snacking. Whether it’s at lunch, after class, or during study sessions you want them to eat healthy and not gorge on junk food. Nature Box has the perfect solution with their array of healthy snacks.nature box3

Giveaway

If you are looking for a healthy snacking alternative Nature Box has you covered and they have given me this sumptuous box of treats to give away to one of my lucky readers. If you are looking for a great care package for your college student, this is it! Or if you want to put some healthy snacks in your kid’s lunch, you can’t miss with the snacks included in this box!

nature boxWho is NatureBox and how can you benefit from their products?

Discover a Healthier You

NatureBox helps you eat healthier without needing to change your eating habits. We focus on snacks because that’s the easiest habit to change. Do you know that the average American eats almost 25% of their calories from snacking? In fact, snacking is the leading cause of childhood obesity. NatureBox helps you get more out of your day without wasting calories on the bad stuff.

natureboxFood You Can Trust

Every NatureBox item is carefully sourced and nutritionist approved. Everything inside your NatureBox will be guilt free so that you can feel great about what you’re eating. You can trust that our products will be made from the most wholesome ingredients and will be minimally processed, if at all.

It’s Risk Free!

Each box costs just $19.95 and shipping is always free with NatureBox. You can pause or cancel anytime, and we’ll happily issue a refund if you’re not 100% satisfied.

Together, We Give

NatureBox works with WhyHunger to solve the problems of hunger and poverty, while working to make more nutritious food available to everyone. Aside from making donations to WhyHunger, we also donate our healthy snacks directly to WhyHunger partners, including community-based organizations, emergency food providers and summer meal programs for low-income children.

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Money Saving Tips for College Students

 

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saving moneyMost college students don’t need a reminder that the school year is almost here. With the great a stressful class load, social life, and well-being it can be easy to lose track of your finances. Don’t let the school year make a dent in your wallet. Use the following money saving tips.

  • Make a Budget

Making a budget is an important first step to start saving money. Start tracking how much money you spend on bills and necessities and how much money you have to spare. Find a reasonable amount of money that you can afford to set aside and start a savings account.

  • Get Organized

Believe it or not, being organized can save you a lot of money because it makes it easier to keep track of items. Create an easy-to-remember organizational system to keep things in their proper place to make them easy to find.

  • Do More Walking

Take advantage of the weather, whenever possible by walking instead of driving. Not only is walking a great form of exercise, but it also is a free means of transportation. Take more relaxing walks this school year!

  • Sell Your Books

Get rid of the textbooks you no longer need by selling them to fellow students who are studying the same subject. Utilize word of mouth, social networks and pin boards around campus to let others know that you are selling your books. Also check with your school bookstore and textbook websites to see if they offer money for old textbooks.

Start preparing for the upcoming semester by looking online to find cheap textbooks and different textbook options such as digital textbooks or rentals.

  • Get a Job

The school year is actually an excellent opportunity to get a job or internship that can help pay for your schooling or jump start your career. Start early and look for opportunities online, through social networks or through your campus career center.

Continue reading Money Saving Tips for College Students

Is your student considering a career in public safety?

 

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public safety careers

Sometimes one decision, one point in time, is all it takes to save thousands of lives. By choosing a career path in public safety administration, your student could be making that fateful decision.

Their choice can change the world because the skills and knowledge they employ may save lives during emergencies, fight crime or halt terrorist plots.

A bachelor’s degree in public safety administration opens the door to a wide range of career opportunities in law enforcement, public safety and emergency preparedness and response. There is related work in local, state and federal government agencies or the military. If the idea of saving lives or working for the CIA excites you, the first step is to pursue this type of major by completing a campus based or online bachelors in Public Safety Administration. Consult a college career counselor who can help you get started.

 

Continue reading Is your student considering a career in public safety?

Are you spying on your teens?

 

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spying

Last Sunday I was listening to a radio talk show on IT and a mom called in with a horror story about her teenage son. She was asleep in bed one night while her son was staying with her ex-husband. About 1am her phone beeped and Skype opened. She saw a conversation between her son (who had apparently loaded Skype on her phone without her knowledge) and an adult male. When she chimed in and asked him who he was, he asked who she was and told her to butt out of the conversation. As she was calling the police, the man asked her son where he lived, how old he was and started initiating a face-to-face meeting. Needless to say, she was shocked. The radio host told her she should be “spying” on her son so this doesn’t happen again.

Keeping your teens safe

Spying on your teens may seem a bit harsh and our kids would certainly rebel if we used that word. But parents need to be aware that threats are real and just because you feel technologically challenged, that’s not an excuse to put your kids at risk. The good news is that help is out there. According to Stacy Ross on  The Online Mom:

I suggest that those of us who are Baby Boomers or Generation X-ers, who weren’t raised with a bottle in one hand and an iPad in the other, are learning the “language of the land online” so to speak, right alongside our offspring. That dynamic is a compelling one, worthy of its own bit of tender loving care.

We need time to foster a relationship with our kids that establishes a system of communication and guidelines for this world, which seems so natural to them but is still so novel to many of us old fogies! We are helping our kids navigate in a new online language and culture, while at the same time assuming roles as strong parental figures. As we do this, we are wise to bookmark resources and find mentors that can help. Entrusting kids with adult-like privileges such as e-mail accounts, smartphones, social media platforms, etc. is no small endeavor.

Most of us weren’t raised with a smartphone or an iPad but our kids and grandkids have been. The concept of pay phones, dial up internet and television with no more than three channels seems unfathomable to them.

An overwhelming task

As if parents don’t have enough responsibility already, we’re faced with policing our kids online activity. Call it spying. Call it being nosey. I prefer to call it smart parenting. And while we’re at it, what about limiting their time with these gadgets. I see kids watching iPhones while in their strollers, and families at restaurants not communicating with one another because every kid is either on an iPhone, texting, or watching a movie on an iPad. Teens are the worst–their whole lives are wrapped around their smartphones and other technology. The more time they are online, the more risk they will be targeted.

Where can you get help?

What’s the solution?

  • Stay informed on security issues and tools to monitor their tech usage. The Online Mom is a great resource for this.
  • Set limits and guidelines for time spent with these devices. Think this is hard? You bet it is. But if you’re feeling frustrated, Fern Weiss, a parent coaching expert, is conducting a FREE teleseminar to help: Teens and Screens.
  • Don’t ignore the issue. Tech gadgets aren’t going away and parents need to stay informed and be proactive.

Watch this video to see how important it is to pay attention to your teen’s online behavior.

Has your student considered an online degree?

 

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online learning

When you think about college for your student, you think about brick and mortar institutions. However, there are many non-traditional routes to obtaining a degree as well.  Online education offers flexibility and freedom to work while attending college. For some families, this is not only a necessity but a viable option.

In turn, your student should follow these tips to get the most from their college experience.

Set up an efficient workspace
An online education degree requires a certain amount of technical savvy in order to work. Your student must be generally comfortable with using the Internet and the computer. They should also should take the time to learn the technical capabilities of the system that the university uses for online classes. If they do this before classes start, they won’t be delayed in their homework by trying to learn the system.

Otherwise, they need to have a comfortable space for working. Make sure the seating is appropriate and that they have access to electric outlets when necessary. The area should be organized and allow them to spread out textbooks and papers for their use while working on homework assignments.

Continue reading Has your student considered an online degree?

Wednesday’s Parent: Attitude Adjustments

 

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Wednesday’s child may be full of woe but Wednesday’s parent can substitute action for anxiety. Each Wednesday Wendy (www.pocsmom.com) and I will provide parent tips to get and keep your student on the college track. It’s never too late or too early to start!

Wednesday’s Parent will give twice the info and double the blog posts on critical parenting issues by clicking on the link in the article from www.pocsmom.com to  www.parentingforcollege.com/ and vice versa.

Today’s posts address the issue of attitude–a topic every parent faces and often becomes frustrated with. Read on to get our take on the topic.

________________________

attitude adjustmentMy father used to tell me that he would give me an attitude adjustment. Trust me. I never wanted to hear those words. In the good old days (you might disagree) parents used more than words to give attitude adjustments. Today, parents still struggle with their kids’ attitudes. From the two-year old temper tantrums to the college student’s “whatever” those attitudes are dreaded by moms everywhere.

School creates so many opportunities for attitudes. Some might say it’s the stress that causes these over-the-top emotions. Others might say that it’s just their age and the stages they are going through. Personally I think it’s a little bit of both. No matter what the cause is, what do you do when your kid “cops an attitude”?

Take a deep breath and keep reading. Have you experienced any of these common attitude problems?

Student: Can I just do my homework later?

Parent: No. You can’t wait until later. Do it now!

Then the conversation progresses from there to “please”, “why”, and my personal favorite, “homework is stupid.” What’s a parent to do? You can take the hard line and say, “no means no.” You can use the reward approach, “finish it and you can play your video games”. Or you can be analytical and explain to them the importance of an education. My bet is that the first or second option will work best. Why? Because kids don’t think that far ahead.

Student: But Pete is doing it.

Parent: If Pete jumped off a bridge would you do it?

You might mean that but your student just doesn’t understand that analogy. Why would anyone jump off a bridge? Again you can use the hard line tactic and say, “I’m the parent and I said no.” Bribery won’t work in this instance. So your best bet is to explain to your student why you won’t let them do what they want to do—mother knows best, so to speak. If you’re lucky, they will succumb to your logical explanation. If not, refer back to the first response.

Student: Susie’s parents said it was ok.

Parent: Susie’s parents aren’t your parent; I am.

This is when you need to have a talk with Susie’s parents. Especially if it’s something that’s against the law like underage drinking or pot smoking (Don’t even ask how I drew this example). Knowing your student’s friends parents will afford you the opportunity to stick together. That’s if they see things the way you see them. If they don’t, you best encourage your student to find some new friends.

Student: You bought the wrong school supplies.

Parent: I bought the supplies that were on the list.

This happens even if you were with them when the supplies were purchased. This little comment will infuriate you and cause your blood to boil. They should be grateful you bought those school supplies. There are kids that don’t have parents who do this for them. What happened to being grateful that you even cared to buy the supplies? You see how you can follow this down the rabbit hole. How do you deal with this attitude? Do as one parent did and tell them to pay for their own supplies. Or you can just give them the attitude of gratitude speech.

Student: Why can’t you just give me some space?

Parent: I thought I was.

This attitude surfaces in the pre-teen years and intensifies as they head off to college. The more space they want, the more you want to hold them close. Space is one thing but total freedom is another. Hopefully you’ll be able to find the balance. If not, expect rolling eyes, slamming of doors, and angry texts to ensue.

Student: You’re embarrassing me.

Parent: When do I NOT embarrass you?

When my husband was in high school, his mother brushed off his dandruff in front of me at a grocery store. Of course he was mortified. His mother thought she was helping him. What we have here is a failure to communicate. Meaning–the things we think are helpful usually aren’t. And no matter what you do, you are always going to embarrass them. Before you have a terrible error in judgment, ask yourself, “What would the perfect parent do?” Of course, there is no perfect parent. But you know what embarrasses you; that should be a clue.

One last thought. You’re the parent. Sometimes you need to adjust your attitude and lighten up a bit. Not every attitude requires a response. Often you just need to brush it off to avoid an unnecessary confrontation.

Know this: attitudes are inevitable. No matter what you do, what you say, and how you act they are going to find something wrong with it. It’s not your fault. They are just spreading their wings and pushing the limits of your authority. The key is to not get into shouting matches with them and consider the source. It also helps to vent (to other parents and friends), instead of taking your frustration out on your kids. The school years are as hard as or harder than the first five years, even if you factor in potty training. But, as any parent will agree, it is rewarding. You just have to keep telling yourself, “This too shall pass!”

Read on for Wendy’s advice in her usual POCSMom manner!

Mom-Approved Tips: Dealing with separation anxiety

 

separation anxietyIt’s that time of year. Parents are dropping kids off at school and there are always tears—sometimes from both parents and students. It’s the inevitable separation anxiety.

When I was a kid, my mom told me that she was afraid my brother would hang on to her skirt until he left for college. I, on the other hand, let go with confidence and excitement. My brother never really liked school (or being away from my mom), but I thrived when the school year began.

No matter what type of kid you have—a clinger or an over-achiever, you are dealing with your own brand of anxiety. There are all kinds of parent anxieties and quite honestly, the parents fair worse than the kids when school starts. We never really get over those feelings that overwhelm us; even when they are adults and headed to college or graduate and begin living on their own. My mom used to tell me you never stop being a parent.

I’ve been reading parent forums lately and some common threads of emotion seem to resonate with varying groups of parents. From grade school to college, parents look to other parents to find ways of coping. For some reason, we find comfort in knowing that we aren’t the only ones feeling those feelings of fear and concern. Facing those feelings might make it easier when they leave for college; however, I can’t promise you will ever stop feeling like they are your little boys and girls.

It’s a sure bet that these fears and anxieties are experienced by every parent at some time in their kid’s lives:

Will they be safe?

Boy how things have changed since we went to school in the 50’s and 60’s. They’ve even changed since my kids went in the 80’s and 90’s. It’s a scary world out there and you would be crazy not to be anxious when your kids leave your care every day. But don’t let them see it; they need to feel safe and secure at school. Even though we know they are at risk, we have to trust that the teachers, staff, and administration will do their utmost to assure their safety.

Will they be bullied?

It’s sad to say, but there will always be bullies. I had my bouts with as did my own kids. But it seems that bullying has gotten more common and more vicious. Social media has escalated it to an art form and parents aren’t teaching their kids to treat others with respect. Before they ever walk out the door (from grade school to college) let your kids know that you are their advocate. Encourage them to come to you if they ever feel bullied. You’re in a much better place to judge the level of harassment and act accordingly.

Will they play well with others?

No matter how much you have taught them to share and be kind to others, you still worry that they won’t be accepted or accept others. School is the first place we all learn to get along with people other than our families. It’s where we learn to compromise and collaborate. Odds are they will take away the lessons they have learned into college and into the workforce. Have faith that they grasp this concept and grow in their ability to get along with others.

Continue reading Mom-Approved Tips: Dealing with separation anxiety

Carbonite Giveaway

 

Giveaway

It’s back-to-school time and a perfect time to take care of the files on your student’s laptop or desktop computer. You know the drill: something happens and they forgot to backup their files. They lose that important research they have done for a term paper or the notes they took in Chemistry class. Or worse yet, they lose that precious college essay they have been working on for months.

Panic ensues and there is absolutely nothing you can do except take it to a repair shop and hope they can recover the data. Not if you have Carbonite! The program automatically backs up your files so you don’t have to. No more worrying about backing up files. With Carbonite you get:

  • carboniteCloud Backup: Cloud backup not only protects your data so you can get it back in the event of data loss, but it also provides remote access to files when you’re away from your computer. Carbonite’s cloud backup plans start at just $59.99 per year, and runs in the background so new and changed files are backed up automatically. And for the student who always forgets to print out their homework or loses papers before they’re due, Anytime, Anywhere Access ensures they can download, print or email their backed up files from any computer, iOS or Android device.
  • Virus Protection: While back-to-school virus protection generally consists of stocking up on tissues and hand sanitizer, the threat of computer viruses shouldn’t be ignored. Millions of computer viruses can allow someone to access your data, collect billing information, or take control of your computer, and can also slow down your computer and interfere with your programs.
  • Password Protocol: Today’s youth are more connected than ever – 78 percent have cell phones, nearly one quarter have their own tablet, and more than nine in 10 teenagers have a computer or access to one. With many schools relaxing their technology policies to allow students to bring devices to school, it’s important to make sure students implement security measures like passwords to make sure that your family’s data doesn’t get into the wrong hands.
  • Mobile Data Usage: Nearly three in four teens say they access the internet from their phones, tablets and other mobile devices. While on-the-go internet allows students to remotely access files, quickly look up a fact for a history paper and connect with peers, data usage fees can be expensive. Review your family’s cellular data plan to ensure your package fits your needs, and ask your family to use Wi-Fi to connect whenever possible to avoid overage fees.

Carbonite

I installed it on my Mac and it works fabulously. I no longer have to worry about forgetting to back up my files. Installation was easy and leaving it on overnight and my computer was backed up when I got up in the morning. It worked like a charm!

You can enter once a day for the duration of the contest. This is a $59.99 value and it’s yours if you have the most entries when the contest ends.

GIVEAWAY ENDS SEPTEMBER 1, 2013

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