Lions, Tigers and Personal Identity Protection, Oh My!

Online information on our teens?  and Us?  Scary. Hackers, lurkers, information sells and more really exist.   But so often we overlook the small things that WE can do to reduce this concern.   

Let's kick up protection up a notch. 

Here are 3 ways you can up your protection game for your teen - and YOU.

  1. Social Security Numbers are gold.

    Sadly, the “bad guys” know that too.  It’s time to check your child’s social security number for earnings.  Someone might have used it to seek employment – and that someone might not be your “nearly-grown” child. 

 Register it for notification.  There’s a link in the above article as well for how to  report fraud if you find it.  Here’s hoping you go on this “hunting” trip and find NOTHING unexpected.

  1. But what about we parents?

    ...

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What . . . my child might have a credit report ???

 SUMMARY 

Teen:  "Mom, can I have a credit card?"
Mom"No"
              OR
Teen: "Mom, can I have a credit card?"
Mom: "Yes"
 
What do these two answers have in common?
Either answer has the potential resulting in your child having a credit report in their name.
 
What's a credit report?  
Remember that diary that you may have kept growing up?  That's almost what a credit report is.  It's a "file" that holds all the information on your debt and payment history.  
 
How can they have a credit report on your teen?  
Possibly, here are 2 ways:
  • if you have added them as an "authorized user" on your own credit card, they might have a report in their name.  Some issuing companies report financial information for both the primary holder AND any authorized users.  You'll need to check with them.
  • or their identity may have been stolen resulting...
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NOW is the time to set up Voting Eligibility for your 18+ Year Old


 SUMMARY

We’ve talked so much in the past about how to instill in our kids the values and motivations to be successful.  As parents we want our kids to be achievers, take responsibility, and own the world around them.  You’ve worked hard to instill in them a reliable set of practices, habits and commitments that will help carry them through to life, marriage, and maybe grandkids! 

Now comes an important task that you can't do until they are near aged 18.  

Do you remember when they first voted at their high school for class officers?  Or helped a friend run for office?  Hopefully your kids school did that.  I have to tell you that I never had the courage to run for a school office.  I was camera shy in  high school – and here I sit in front of a camera.  Who knew!  I had my finger in many pies, but just not the running for office one.  But my kids did. 

Little did I realize, but after they won...

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Do those last remaining lessons for your nearly-grown offspring feel like . . .

SUMMARY

HELP!  Many a parent of a nearly-grown child feels there is still so much more to teach them, but need a creative idea on how to tackle it all.  

We've been there with our kids.  Despite our passion for helping parents and kids this age, we hit the wall (so to speak) on  how to get their attention to listen to those last critical lessons.  They didn't always want to listen to us.  

That's when we realized that we, or more specifically our kids, had/have a SECRET WEAPON to use.  Your kids (and you) have it too but odds are you haven't recognized it for what it is.  

But before we get to this SECRET WEAPON, if you didn't get a chance to view/read a prior session we taught that relates to this where we covered how to build confidence in our kids, and why our kids have such a challenge with this at their age, and what is the first move you can make to start that confidence ball rolling, Start with THIS to build confidence

Now about that...

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Staying In Touch

SUMMARY:

It happens quickly, doesn't it.  The 18 years you've had with your children.  You've been involved in their activities, learned to love their friends, and even made life-long friends with those parents.  And then, it happens.  Your life changes, seemingly in an instant.  

Staying in touch changes.  Completely.  You have to make more of an effort to touch base with and keep up with not only your child, but the friends you've made through them.  

Normally we discuss money, legal matters, taxes and more.  Our mission is to facilitate more knowledge that just typically isn't covered for we parents with almost-flown and just-flown kids.  

But today, we thought we'd give you a great idea on how to stay in touch with people that through the years you've grown to like and love.  You aren't seeing them anymore.  

These very challenges are happening to us, too.  

Here is an fun idea worth considering that allows you to...

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The Bike Side

 

You should have seen my to-do list the summer before sending my oldest to college. People laugh at my lists, but I have found the older I get, the more I don’t want to “think”.  I just want to “do” when under a crunch deadline.  Lists made in my less stressful time always pay off for me…or so I thought.

It might be interesting to note that our college student’s bike came back home to us in the first 3 weeks as “not needed.”  

Such a blow to my ego!

College Money Management – what to consider about bikes

Nearly every parent will have this discussion:  does my college kid need a bike? Many students envision themselves a Lance Armstrong wanna-be (ok, hopefully the Lance-type before we knew about his drug issues), and think they will simply bike to all their classes. Not necessarily true. You might want to run a check on the following:

  • How “on-time” does the campus bus system (if any)...
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How You Can Know They Are (or are not) Ready for a Debit/Credit Card

SUMMARY

How do you know if your child is ready for a debit or credit card (plastic money)?

 

Money.  Parents.  Kids.  Tension.  Maturity.  Focus.  Responsibility.  Nightmare.

You pick which words to assign to a parent and which to assign to a young adult.  You'll probably select "all of the above" for both.  Much has been written about establishing credit, debit cards, credit cards, and more. 

Even reviewing the contract involved in any financial card of any kind is like someone handing you a Webster’s Dictionary and saying “you are responsible for all of it”. 

Today, having a 'plastic' debit/credit card is a status symbol.  Remember seeing photos of James Dean in his cowboy hat leaning on that car....with that cigarette?  Yes, the status symbols may have changed, but the concept fit even us, our parents, and grandparents.  

Statistic:  Reports say over 50% of college freshman have a...

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Is it time to introduce money management to your teen? Here's how

SUMMARY:

How do you introduce money management tracking with them?

  • Start before they hit high school if possible.  If you haven't started it yet, start now.

Why will they benefit while in high school?

  • They will experience guilt-free spending.  Priceless.
  • They will be able to say "no" to something because they are saving for something bigger.

How should they actually start?

  • With so much coming at them, starting simply is crucial.
  • Start with pen and paper.
  • Avoid the fancy money software. . . at least until later.
  • Paper helps them more clearly see the movement of their money from category to category.

What are 6 things to remember as you pick money management software for your young adult:

Again, we strongly suggest starting with pen and paper before moving to this level.  Many will be happy with just a simple, direct pen and paper system.  But if you have a teen or young adult that is ready to level-up to something more, you will find these 6 items...

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College Apps and 2019 Deadlines. How can you get organized?

 
College Applications Wearing You Down?  
Make it Easier to Track
 
Is it too late to apply for College for FALL 2019??? 
No!  Check out this article by CollegeSimply.com Update 2019 Deadlines which has a list of who/what/where and how much time you have left.  
 
How can you and your teen keep your mental head above water?  Read on to see how we organized ours.  

Here's how to organize those applications.  

If you are a high school junior or senior – or have one living in your home, you've probably spent large amounts of time working on college applications. It is definitely a “labor” of love because many high schoolers apply to seven or more colleges these days. College counselors have been haranguing your juniors all last year to get those applications in as soon as possible. The mantra is that the earlier it is submitted, the better chance for acceptance. The process can be overwhelming, since each...

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How to learn who positively influences your "nearly grown" child and why

 SUMMARY

We parents are time-challenged in nearly every way possible.  Just keeping our head above water is demanding.  After working with many students, we want to share 3 simple questions that can help parents learn more about their nearly-flown kids and how to use it for this last full-time parent-season you may have.  

How much time is left before your nearly grown kids are truly out the door - and gone?  Answer?  Not much.  The fact is that as they get older, outside influences become stronger on them.  

Those outside influences are on an ever increasing scale in influencing them with dreams, goals, habits, and money management.  

We, as parents, can learn from those outside influences - especially the positive ones.  

Why do our young adults pay attention to them?  What positive communication tools do those people have that we can adopt?  

With those precious days we have left with our nearly-flown kids, we want to...

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