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How to Raise a MoneySmart A Parent's Guide Child This booklet made possible by How to Raise a Money A Parent's Guide EXAMINE your own attitudes about money BECOME financially literate yourself INVOLVE your child in family financial planning WHAT YOU CAN DO .. . . . . . . . . . GIVE your child an allowance and let him or her be in charge of spending it PROVIDE opportunities for your child to earn money TEACH your child to save toward long-term goals SHOW your child how to be a wise consumer SET a good example with responsible credit use ENCOURAGE your child to take personal finance classes ENCOURAGE your school system to add personal finance classes if they don't already have them Smart Child Contents . . . . . . AGES 2 TO 8 Allowances... or Work... or Both? . . . . . . . . . . . . . . . 2 . Helping Kids Understand: Needs and Wants . . . . . . 3 . AGES 9 TO 12 Piggy Banks to Real Banks . . . . . . . . . . . . . . . . . . . . 4 How to Create a Budget . . . . . . . . . . . . . . . . . . . . . . 5 What is a Mutual Fund? . . . . . . . . . . . . . . . . . . . . . . 6 AGES 13 TO 18 How to Reconcile Your Checking Account . . . . . . . . 8 Credit for the First-time Borrower . . . . . . . . . . . . . . 9 Create a Positive Credit History . . . . . . . . . . . . . . . 10 Next Generation: Traveling at the Speed of Life . . . 11 Eight Ways to Help Finance College . . . . . . . . . . . . 12 Investing in the future by investing in the community Creative design and layout courtesy of Allowances… Allowances… or Work… or Both? The question of allowances is often raised by parents and Ages 2 to 8 children alike. While it is a personal decision, the concept $ Assign basic household chores. Even a four-year-old can of giving an allowance and having work income seems to make his or her bed and pick up playthings. Have a list work best. Start by establishing a base allowance for each of "little jobs" that small hands can do to earn a dime or child. Then if the child wants more money, create a list of a quarter. Provide a piggy bank for savings jobs and other duties that the child can perform at will if and little sheets for easy recordkeeping. he or she wants to earn additional money. For each item on $ Don't buy toys on demand. Help your child to look the list, there should be a set amount of compensation and forward to birthdays and holidays for special items. a complete description of the work to be done so there is no $ Let your child learn about actions and consequences. question about what was to be done, or how to determine Having possessions brings responsibilities, such as when the task was properly completed. Help children form putting away a game to avoid losing pieces. good work habits and job skills by keeping weekly and monthly records. List the dates jobs are assigned and com- Ages 9 to 12 pleted as well as extra jobs available to increase earnings $ Allow your child to begin making more decisions on his or her own. For example, encourage comparison shopping. and savings. Also keep track of progress toward reaching your child's savings goal. $ Give a specific allowance and stick to it — or give none at all. That's right! Some parents have found the best way to teach children to value money is to have them Parental goals when paying an allowance should be to earn it. 1) shift some spending decisions to the child, $ Don't pay youngsters for doing regular chores. If you do, 2) eliminate or dramatically reduce the need for there may come a time when he or she might refuse you the child to have to ask for money, and because money isn't needed. 3) provide a method, under proper supervision, for learning about accumulating money coupled Ages 13 to 18 $ Be consistent. Continue to have daily household chores. with proper spending techniques. No child should be too busy to pick up after himself or herself and also to help out around the house. $ Help your child to think about others. A great family activity is donating time and/or funds to a worthy cause. By the Institute of Consumer Financial Education Family Activity Idea . . . . . . Set up a family change jar to save for a family treat. Decide with the family how the money is to be spent and set a goal — like a popcorn popper or a VCR. Use a clear jar so everyone can see the amount grow. Be sure all family members contribute either by putting in a percentage of their earnings, by giving a weekly amount per year of age, or by some other way on which everyone agrees. Remember, the family that saves together (and learns to share ideas and make decisions) can buy neat stuff together! 2 For free, detailed information about learning resources, go to www.financial-education-icfe.org. Needs and Wants Helping Kids Understand: Needs and Wants Understanding personal finance and how money works for One lesson about money and finance involves differentiating you can make a tremendous difference to you and your between wants and needs. This distinction is essential for family. It can heighten your financial well-being, increase developing good money management skills. Without this your sense of control, and give you a more positive outlook foundation, kids may have trouble controlling their spend- on life in general. Learning good habits early in life can ing as adults, never appreciating the difference between a make managing money easier over the long run. luxury and a necessity. Long before they understand the concepts of saving, For more information on a publication that addresses this topic investing, or borrowing, kids sense the power of spending ("Kids, Cash, Plastic, and You"), visit the Jump$tart Coalition's money. They see grownups show off their latest purchases, Clearinghouse at www.jumpstartclearinghouse.org. hear them talk about a relative's new car, or watch while they give thanks for presents. By MasterCard Family Activity Idea . . . . . . . Make a basic necessities list. This is a great rainy day game. Get a piece of paper and make a list of everything the family can't live without. You may have some lively debates about what is and what is not a necessity! But this game will give your children a good idea about what the family must spend their income on first and will help them see what is essential and what is extra in their own lives. 3 Banks Piggy Banks to Real Banks Teaching your children money management skills is a critical part of their future. Good habits start early in life and the savings habit brings lifelong benefits. Here are some simple suggestions to teach your kids the value of money. Teach your children the importance of saving money. gradual effect of time and interest on their balances. $ To make their savings visible and real, have them build $ Show your children the importance of budgeting. Talk up savings in a piggy bank. to them about the family budget. Include a discussion on wants and needs. Reinforce the learning process by $ Visit the bank with your children to let them see budgeting for a family outing or purchase. how the bank works. Let them ask questions of the $ tellers. Call in advance, and a bank employee may Involve children in spending decisions by holding arrange a tour for your children. family meetings to talk about savings. This gives them practical experience and allows them to be active $ Help them open up their own bank savings accounts participants in the buying and saving process. and make deposits regularly. Many banks offer no-fee $ and no-minimum balance accounts for children. If your While many children know that money doesn't grow bank does not have children's accounts, ask if special on trees, they may think it comes out of a wall. Show arrangements can be made. them how an automated teller machine (ATM) works and help them understand that to take money out of $ Make going to the bank to make a deposit a fun activity. the bank you must put it in first. Some banks have kids' clubs where members get $ newsletters in the mail or receive balloons or stickers Give your kids positive feedback and encourage them when they make a deposit. If your bank doesn't offer in the savings process. As they get older and their this, use another positive reward that your children might allowance increases, give them responsibility over how enjoy such as an ice cream cone or a trip to the park. they spend their money. Who knows — even you might $ Kids love to get mail, so keep an eye out for their learn a trick or two! monthly statements. This will help them see the By American Bankers Association Education Foundation Family Activity Idea . . . . . . Hold a family meeting to talk about the family's savings. Talk about how Mom and Dad save, how they decide how much to save, and the different kinds of things they are saving for (like retirement, college education, new boat, etc.). This would also be a good time to identify an item your child wants to start saving for, like a new bike. 4 For further information, go to www.aba.com. Creating a Budget How to Create a Budget Do your children ever tell you that their money seems to Have your child take time and analyze his or her present disappear? Putting together a budget will help them figure spending habits by creating a budget. Parents can help by out where their money goes. asking the child some questions: Are you surprised at the amount you are spending in some categories? Are you Simply stated, a budget is a plan for coordinating income saving for the things you want? Can you start cutting back and expenses. There is no average budget to follow. The on some items? Are you spending your money on the items type of budget that will work depends upon the saving and you truly need, or are you frittering away your earnings spending priorities set in accordance with personal needs, on unnecessary expenses? Below is a model budget for wants, and lifestyle. a young adult. By The National Endowment for Financial Education® (NEFE®) PERSONAL SPENDING/SAVING PLAN For:________________________________________________ Month:_______________________ Year: _________ PLANNED ACTUAL DIFFERENCE AMOUNT AMOUNT INCOME (after taxes) Job $ $ $ Allowance Other (A) TOTAL INCOME $ $ $ EXPENSES SAVINGS Emergency/Opportunity $ $ $ Saving for Saving for (B) TOTAL SAVINGS $ $ $ FIXED EXPENSES Car Payment $ $ $ Family Activity Idea . Insurance/car Other Other . . . . . . (C) TOTAL FIXED EXPENSES $ $ $ Have a family meeting about the family budget. FLEXIBLE EXPENSES Show your children the family budget — or a sample list of Food (lunch/snacks/etc.) $ $ $ everything the family must pay for each month. Talk about Clothing and Accessories Entertainment (movies/dates) each item on the budget, why it's there, and how Mom and Other Dad determined how much to spend on it. Talk about Other the importance of staying within the budget and what a Transportation (gas/repairs) valuable tool a budget is for spending money wisely. Other School Supplies/Fees Encourage your children to make their own budgets by Other using the model on this page. Other (D) TOTAL FLEXIBLE EXPENSES $ $ $ (E) SAVINGS PLUS EXPENSES $ $ $ (B+C+D) For more information, visit the NEFE Web site at www.nefe.org. 5 Mutual Funds What is a Mutual Fund? When you invest in a mutual fund, you're buying a When you invest in a mutual fund, you buy shares of the collection of the stocks and bonds of many companies mutual fund, which owns stocks and bonds. The fund from all over the world. A fund manager (also called manager is working for you — trying to find the best a portfolio manager) is the person who makes the investments with the best chances to making a potential decisions about which stocks and bonds will be included profit. A fund manager is part bookworm and part private in the fund. eye and, as a result, can usually dig up more information about a company than an average person. He or she uses The best way to figure out how a mutual fund works is to this information when deciding whether or not to include understand stocks and bonds. When you buy a company's a certain stock or bond in the fund. stock, you become a part owner of that company. If the company is successful, the stock may be worth more than Let's say a fund manager is considering buying shares what you paid for it. But you have to be careful about of stock in Gap, for example. First, the manager would which stocks you want to buy, because if the company fails, analyze its financial statements to determine, among other the stock may be worth less, and you would lose money. things, if the company is making a profit. Next, he or she would visit with company officials and ask them questions Buying a bond is like giving a company a loan. In about their strategy for making the company successful. exchange for the money that you lend, the company The manager would try to uncover important information promises to repay the loan. The company also pays you such as how many new stores the company is planning to an extra amount of money at a rate based on how long open and what the fall line of clothes will look like. you have owned the bond, which is called interest. If the company makes good on its promise, you'll usually receive The next step would be to talk to rival companies, like more than what you lent the company. But if the company Abercrombie & Fitch and J. Crew, so the manager could can't afford to pay you back, you may end up losing money. see for himself or herself how this company stacks up against its competitors. The manager would also study the Anyone can buy a stock or a bond. The hard part is buying habits of young people to figure out how much figuring out which companies to invest in — and which money they spend on clothes and which retail clothing companies to avoid. That's why many people look to stores have the most loyal customers. mutual funds. Family Activity Idea . . . . . . Make a game of "playing" the stock market. Pull the stock section from a big city newspaper. Allow each member of the family to select the same dollar amount (say $100) of stocks to "buy" from the list and write them down on a chart. Have your children track the ups and downs of the shares. At the end of the month, calculate how much each "portfolio" is worth. The person who made the best investments wins! Check out Jump$tart's Clearinghouse for related resources, such as The Stock Market Game. 6 Mutual Funds The manager's goal is to build a fund with stocks and The manager will usually sell shares of a stock after he or bonds that have the best chances of rising in value. she feels that its price has risen to a level that is significantly If Gap passes these tests and many others, the manager higher than the manager paid for it. In some cases, the may decide to buy shares of the stock for the mutual fund. manager will sell a stock if the stock becomes less attractive and he or she finds opportunities to invest in another Gap, Abercrombie & Fitch, and J. Crew are examples of stock with better prospects. stocks in which a mutual fund could invest and may or may not be part of a mutual fund. If you are interested Investing in a mutual fund is sort of like hiring a private in seeing the names of companies that are in a mutual eye. The fund manager stays on the case, always on the fund, you can ask the mutual fund company for a copy prowl for stocks and bonds that he or she hopes will of the fund's recent annual or semiannual shareholder potentially increase the value of the mutual fund and report. These reports include, among other things, a help the investor reach his or her financial goals. complete listing of the stocks and bonds in the fund. By MFS Investment Management® In addition to hunting down the best stocks and bonds, the manager constantly monitors the stocks and bonds already in the fund to make sure they continue to offer strong prospects for growth. The manager must also decide when to sell certain stocks and bonds in the fund. 7 Checking Accounts our How to Reconcile Y Checking Account A parent recounted the story of an 18-year-old who said, HERE'S HOW TO CONFIRM YOUR BALANCE: "What do you mean there's no money in my account? 1. Start with the balance in your register. I still have checks!" 2. Subtract any service charges that are on the statement. Learning how to balance a checkbook is an essential skill 3. Add any dividends or interest your account earned. to teach your children. 4. This is your new register balance. 5. Start with the end balance from the statement. Reconciling doesn't take too long and will take less time 6. Add recent deposits that aren't on the statement. as you get skilled at it. Collect your records. You'll need all deposit and withdrawal slips for the month, including any 7. Subtract the total of all drafts written but not cleared, from ATM transactions. and ATM/debit withdrawals since the statement. 8. Your new balance. Sit down with your statement and verify deposits, both date and amount. Make a check mark on the statement for If your account is reconciled, lines 4 and 8 should now be each one. Now use your statement and compare each check the same. If they're not, keep at it until you spot the error. that has cleared against the entries in your register. Compare If you can't find the mistake, ask for help at your credit the amount in the register and the amount in the statement, union or other banking institutions. checking each one until you've checked them all. Now verify all deposits and withdrawals made at an ATM or purchases By Credit Union National Association made with a debit card. Family Activity Idea . . . . . . Create a make-believe checkbook complete with simple register and checks. Rather than giving all his or her weekly allowance in cash, put half of it into the checking account against which the child can write checks. During the week, if he or she is shop- ping with you and wants to buy, say, a candy bar for $1, a check can be written that you — as the banker — deduct from the child's account. 8 For further information visit www.cuna.org. Obtaining Credit Credit for the First-time Borrower One day your child will grow up to be a self-supporting adult with a variety of personal finance needs. In all likelihood, access to credit will be one of them. A person without a credit history, who has never had credit, may have problems getting that first loan or credit card. Fortunately, there are options available. $ Open a checking and savings account at a local financial $ Apply for an auto loan with an automobile finance institution. If you handle the checking account respon- company. Dealers offer special programs tailored to sibly and prove to be a valued account holder, the institu- first-time borrowers. tion may grant you a small loan or offer you a credit card. $ Obtain a student loan if college-bound. Remember, $ Apply for a retailer's charge card. This can be the first a student loan is a real loan and getting behind in step toward applying for a major credit card, once you payments can hurt your credibility. have shown an excellent credit payment record. $ Ask a close friend or relative to cosign for a loan. In $ Buy the appliances or home furnishings you need using doing this, the cosigner is guaranteeing that payments the credit plan of a local retailer. will be made on time and in full. If the credit applicant does not repay the loan, the cosigner will be legally $ Take advantage of the credit cards that are often offered responsible for doing so. to college students or recent graduates. If possible, compare credit card offers from at least three issuers. Remember, once credit is granted, manage it responsibly. Read all disclosures and documentation before applying This is the beginning of your credit record, which will for a card. form the basis for future credit. $ Apply for a secured credit card. Designed for people Parents, before you agree to be a cosigner, you need to be who have no previous credit history, this card requires aware of the obligation you'll be taking on. You're agreeing a minimum deposit that usually equals the amount of to pay the loan if the borrower defaults. credit available on the credit card. By American Financial Services Association Education Foundation Family Activity Idea . . . . . . Work as a family to purchase a big-ticket item. Decide with the family on a larger item the family needs to purchase now or would like to purchase in the future. You might choose a stereo, a refrigerator, or even a new car. Decide which features the item should have. Do some research on the item by looking through catalogs and visiting several stores to compare prices. Then as a family compare all the options and choose the best value for the money. For information on consumer publications, contact the Jump$tart Clearinghouse at www.jumpstartclearinghouse.org 9 or call AFSAEF at 202-466-8611. Create a Positive Credit History Credit History WHAT IS A CONSUMER CREDIT REPORT? Look to professionals if you need assistance or if you don't A consumer credit report is a factual record of an have time to develop your own plan. Nonprofit credit individual's credit payment history. It is provided for a counseling organizations help consumers understand credit purpose permitted by law, primarily to credit grantors. reports, contact creditors, manage debt, and set up budgets. Its main purpose is to help a lender quickly and objectively For the office nearest you, check your yellow pages. decide whether to grant you credit. Examples of credit include car loans, credit cards, and home mortgages. HOW LONG DOES NEGATIVE INFORMATION STAY ON YOUR CREDIT REPORT? WHAT CAN YOU DO TO CREATE A POSITIVE To prevent past errors from haunting you forever, most neg- CREDIT HISTORY? ative information must be erased after seven years, according Pay your bills on time, regardless. Most lenders look at to federal law. This includes late payments, accounts that the most recent information on a report. So if you've paid the credit grantor turned over to a collection agency, and your accounts on time for the last two to three years, the judgments filed against you in court – even if you later paid lender may ignore a series of late payments from five years the account in full. ago. Review your credit report 60 to 90 days before making The length of time a bankruptcy remains on your credit a major purchase (such as a home or car). Call Experian at report depends upon which type you file. Chapters 7, 1-888-397-3742 for details about how to obtain a copy. Let 11, and 12 remain for 10 years. Chapter 13 remains for us know if any items on the report are inaccurate. Without seven years. charge, Experian will investigate any information you ques- tion as inaccurate and send you the results within 30 days. Credit reporting agencies use the date of original delin- quency or, in the case of public records, the date of filing, WHAT SHOULD YOU DO IF YOU BEGIN TO FALL to determine which negative information is deleted. BEHIND IN YOUR PAYMENTS? Positive information remains on your report indefinitely. If you begin to fall behind, contact your lenders. Ignoring the situation will only add to your problems. Many lenders WHO CAN REMOVE ACCURATE NEGATIVE will work with you to set up a different payment schedule INFORMATION FROM YOUR CREDIT REPORT? or interest rate. It never hurts to ask. Negative information remains on a consumer's credit report for the allowed period of time as long as it can be Pay your bills when they're due. If you have an overdue bill, verified by the company that reported it. Usually only unpaid debt, tax lien, or judgment, pay it off. Most impor- time can erase bad credit. tantly, stop using credit until your finances are under control. By Experian Family Activity Idea . . . . . . Get a copy of your credit report and go over it with your children. Show them how to identify the different accounts and review your payment history. Emphasize the importance of your payment history and its effect on obtaining future credit. 10 Visit our Web site at www.experian.com or call 1-800-947-7990 for recorded instructions on how to write for more information. Next Generation Next Generation: Traveling at the Speed of Life Today young people are assuming more responsibility for ages 14 and under are treated in hospital emergency rooms managing their personal finances than ever before. for sports-related injuries. To give your children an idea of However, a recent biennial tracking survey conducted by how expensive medical treatment can be: the total cost of the Jump$tart Coalition found that there is an appalling repairing a rotator cuff would average $14,935; treatment lack of knowledge about personal finance matters among for a leg fracture can cost $7,348; and knee surgery is young adults and the problem is getting worse over time.1 approximately $6,465 depending on the procedure. One of the areas that Jump$tart assesses is insurance Without health insurance, parents have no choice but to knowledge, and the latest survey doesn't paint a pretty pic- pay out of their own pockets, which forces many families ture. When asked a simple question about life insurance, deep into debt. only about half of high schoolers answered correctly. Health insurance was even worse, with only 44 percent Considering the essential role that insurance plays in a answering the health insurance question correctly. financial plan, it is important that our children have the knowledge needed to adequately prepare themselves for the As a parent, you know that insurance is one of the corner- financial decisions they will face as they begin their adult stones of financial planning. Insurance provides us with lives. To help deliver this information to young people, the financial protection against the multitude of risks we face nonprofit LIFE Foundation has a program called every day. Whether it's the risk of getting into a car acci- NextGen3: Traveling at the Speed of Life. It educates high dent, suffering an illness, or dying too soon, we purchase school students about the basics of risk management and insurance to make sure that financial plans we have for our financial planning, as well as life, health and disability families and ourselves will not be derailed. insurance. In January 2010, LIFE introduced the 3rd edi- tion of the program, which for the first time contains a Most children have no idea how devastating it can be when robust web component. To learn more about NextGen3, a family is inadequately insured. For example, your chil- visit www.nextgen3.org. dren might be surprised to learn how often sports injuries occur and how expensive treatment for these injuries can be. Consider that in one year more than 775,000 children 1 Financial Literacy of Young American Adults, Jump$tart Coalition, 2008 By Life and Health Insurance Foundation for Education Family Activity Idea . . . . . . Have your children make a list of all their major possessions (bicycle, stereo, rollerblades, etc.) and establish a value. Then have them pay a small amount each month to you to "insure" each item on the list. If an item on the list is lost or destroyed, "cover" that item under the insurance. Make it clear from the start, however, that the consequences will be "higher premiums" the next time around! 11 Financing College ays Eight W to Help Finance College One of the myths College Parents of America (CPA) hears repeatedly is the commonly held notion that a lack of money can prevent a student from getting a good college education. Granted, not every student can afford to attend an Ivy League school. But opportunities exist for students to get a good education no matter what their parents' finances might be. Taking advantage of those opportunities, however, requires proper planning, a little creativity, being smart about leveraging finances, and extensive homework. College Parents of America, the only national membership association dedicated to helping parents prepare for and put their children through college, offers the following eight suggestions to help pay for college: 1 Start early with saving plans. 4 Consider letting Uncle Sam pay the bills. Even if parents start by putting aside $50 per month, Military service makes education affordable. A full tour the earlier you start, the more significant your savings of active duty prior to attending school can be worth as will be. In addition to the traditional saving and invest- much as $65,000 in education benefits. However, join- ment options available through your local bank and ing ROTC (1-800-USA-ROTC), an Armed Forces Wall Street, you may wish to evaluate 529 plans, educa- reserve or the National Guard (1-800-GO-GUARD) can tion IRAs, your state's prepaid college tuition program pay for college costs as well without interrupting studies. or savings trusts plan to determine if you wish to add them to your overall college savings strategy. Another option is to seek an appointment to any of the five federal service academies (the U.S. Air Force, Coast Guard, Merchant Marine, Military, and Naval acade- 2 Comparison shop. mies). All offer outstanding educational programs at almost no cost in exchange for military service upon Some schools are more affordable than others. Education graduation, often in a reserve capacity. Check with your is costly, but there are good schools in each state that are local congressional representative's office (www.house.gov) actually competing for students. Once your student nar- for specifics. rows the selection down to one or two schools that most closely meet academic desires, interest, and specific cost parameters, don't hesitate to recontact the school(s) on the question of getting the best financial aid package to reduce costs. 3 Attend a more affordable school for the Family Activity Idea first two years. Students can reduce costs significantly by attending . . . . . . a community college or junior college for two years and then transferring to a four-year institution. With proper The more education one has, the more his or her planning, most, if not all, of the course credits will average income goes up. transfer, enabling students to complete their degrees in the same amount of time while saving significantly To get an idea of the income needed to sustain the standard on tuition. of living your child desires, have them play the "reality If your sights are on that more elite or costly university, check" game found at www.jumpstart.org. financial resources can also be leveraged by attending a less expensive four-year institution for two years and later transferring. Again, regular consultation with both schools is required to ensure that all credits will transfer and that savings are not reduced by the need to attend an additional semester to graduate. 12 For more information and assistance, visit CPA's Website at www.collegeparents.org. Financing College 5 Seek out work/study programs. CPA recommends starting college, grant, and scholarship research in the sophomore year of high school or earlier. Identify those colleges that have collaborated with An advance knowledge of the various eligibility criteria businesses and government in providing paid internships allows the student to conduct civic work, explore areas or programs in which students can alternate working a of study or interests, establish academic goals, or take semester in their field of study for a paycheck and college other steps required to qualify for specialized grants credit, and then attend classes the following semester. and scholarships. Some schools also provide free or reduced tuition in exchange for working part time on campus. 7 Leverage scholarship dollars. 6 Pursue scholarships from multiple sources. Numerous colleges and universities reduce an individ- ual's financial aid by the amount of outside grants and Although colleges, themselves, are the primary sources of scholarships. Visit College Parents of America's Web scholarships and aid, there are also many national as well site, www.collegeparents.org, and look under "More as local grants available through civic and service clubs, Resources" to identify Dollars for Scholars' collegiate businesses, organizations, and foundations. Among the partners that will maximize private sector aid, many by groups you should contact to identify these financial actually matching private sector scholarships and grants. resources are your local Rotary, Kiwanis, Lions, Knights of Columbus, Chamber of Commerce, Junior League, Jaycees, places of worship, and parents' places of work, as well as your school's guidance counselor and the local library. 8 Borrowing for college. Low-interest federal loans can offer further leverage CPA's Web site (www.collegeparents.org) provides links in financing college. But families should avoid to information on thousands of scholarships. However, if overextending. It was suggested at a recent conference considering scholarship search services, consult your stu- sponsored by the Institute for Higher Education Policy dent's guidance counselor and CPA's Web site to learn and the Education Resources Institute that cumulative the signs of those that can waste your money. borrowing not exceed the student's anticipated starting annual salary following college. By College Parents of America 13 Personal Finance Clearinghouse The Jump$tart Coalition has established a Web-based and investing, and spending. Among the many specific Personal Finance Clearinghouse that contains information topics addressed by the materials are responsible credit use, about educational resources and activities that seek to ensure setting up a budget, how the stock market works, and the personal financial literacy of young people in grades K-12. role of insurance. The Clearinghouse is accessible via the Internet at www.jumpstartclearinghouse.org. If interested parties An ongoing task of the Clearinghouse is to locate existing do not have access to the Internet, they can call Jump$tart personal finance education materials. You may submit at (202) 466-8604. materials for possible inclusion in our Clearinghouse. The Clearinghouse lists resources representing a wide range To obtain a submission form, locate it on the Clearinghouse of formats, including catalogs/resource handbooks, comput- Web site or call (202) 466-8604. Criteria for evaluating er software, teaching guides, and videotapes. More resources materials will be identified and made available to educa- are being added to the Clearinghouse each week. tional information providers. The evaluation process is ongoing, and the final decisions of which materials to Topics covered by the Clearinghouse resources relate to at include are at the discretion of the Education Committee least one of four broad areas of personal finance identified of the Jump$tart Coalition. by Jump$tart as essential for young people to understand. The four areas are income, money management, saving MoneySmart This guide is brought to you by: www.vtjumpstart.org www.MoneyEd.Vermont.gov www.peoples.com Vermont Chapter: We would also like to thank the Vermont Principal's Association, Vermont 877-242-8550 email: firstname.lastname@example.com Department of Education, and the Vermont NEA for their outreach assistance.
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Discussion in 'DVC Trip Reports' started by podsnel, Sep 2, 2012.
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WOOHOO Party Time Waynes World Single Digits. All the single digits all he single digits.. lol
I wish I had something to look forward to in the single digits... Dress size would be great! lol
Okay, so I'm just going to ignore the single digit dance.
I'm a little concerned that this is supposed to be an "anniversary" trip but there's not much podsnel time, if you know what I mean.
So spice it up! Just how did you two sweethearts meet, anyway?
Hi! Thanks so much for joining in and for saying hello- I get lonely over here when people don't say hi!
My kids don't like mac nuts either (or maybe Tyler does, but he just had enough!) but they loved that pie.... I bet you would, too-
And you really need to work on your DH- Hawaii is a special, special place. It is completely different from ANY Caribbean island. I promise it is worth the trip.
Yes! Do that, Mother of Wicket!
Planning to start it today (as I avoid cleaning up my messy house!).
Glad this is helpful for you! Something we wanted to do, but never had the time for, was a bike ride on the Coconut coast- there is an AWESOME bike path along the ocean for several miles- the bikes are cheap to rent, and there are discounts. Timmy and I were sad we missed this. Here is a link- http://www.coconutcoasters.com/ What I love about it, is that you can bring a picnic lunch with you and make a day of it- and it's a relatively cheap thing to do-
Thanks everyone! Only 1 week to go! Good thing that bad storm is supposed to be out of here by Weds- just hope this one is not as damaging as the 2 we had last year...
I think we're going to try to go to the one in Bakersfield- http://www.tripadvisor.com/Hotel_Re...eld_North_Airport-Bakersfield_California.html
I guess that means we're coming down 99? Is that bad? We picked Groveland because we want to do a white water rafting day and after that head closer to Yosemite- the Charlotte had good reviews on TA. Plus, it's across the street from CA's oldest bar, so I figure that's a MUST do!
And i will update about Aulani a few times before I go, I hope!
Yes- well, not much podsnel time in Kauai, more podsnel time at Aulani...
How did we meet? Hmmmm...in High School I was dating a guy at Rider College in NJ (near Princeton). His sophomore year, Pods was a freshman in the same dorm (I was 16). I actually remember the first time I ever saw him- he was shirtless, wearing gym shorts- he had LONG BLONDE HAIR and the most athletic body (did I mention he was shirtless?) and he was throwing a football.
I think I might have actually drooled.... just a little.
Anyway, when I look back on this, and all the other times I saw him that year whenever I visited my boyfriend, I think God was doing His best to smack me in the head and say, "Not THIS idiot you're dating!!! THAT idiot is the one for you!!!"
So the following year, when I went to Rider myself, I was eating lunch in the cafeteria with my roomate- and Pods walked by. And my roomate said, "oh yea, that's Pods, he's the President of the ZBT pledge class, and that's his girlfriend walking with him." We were pledging a sorority, DZ, and eventually I met him because of that. We became really good friends....I broke up with my boyfriend later that year, and Pods & I were still just good friends.
Fast forward to his Senior year- the ZBT seniors were going out for drinks, and he saw me and threw me in the car with all those guys- and when we came back on campus, he walked me home. Since I figured I would never see him again, I confessed I had Always had a crush on him (just like every other girl at Rider) and could I get a kiss before he left?
Well...I didn't see him again until that fall (although he tried to find me down in LBI where I lived for the summer, but he got lost!), when he showed up for a ZBT Luau- which I was not at. Which when my girlfriend saw he was there alone, told him to call me to come- which I did, with the help of a LOT of women who dressed me and fixed me up and drove me over to the Ramada Inn...and then the same thing happened again for another event...then my friend, Craig, made me invite him to one of MY dances....and...that was it.
You wanted the long version, right? Because I could just say we met in college- but I love our story, because it makes me believe everything happens for a reason, and that there are no coincidences. I can't think of any person other than him that I remember SEEING for the first time. Not even meeting (actually, neither of us remember that!)- just seeing
him (shirtless and in gym shorts!) was all it took!
Sorry you asked?
A couple of pics from our wedding day- June 21, 1986-
I am editing one more time to include one more photo...it is of me, age 5, Kindergarten Graduation, circa 1968. My school, St Paul's in Perth Amboy, NJ, had a show at graduation every year- we all sang songs. One song was "Milk comes in a carton". I know...it's very exciting....hang in there...so it was milk comes in a carton, cereal comes in a box, peas come in a POD....
Guess which part I got?
Man, God has been smackin me silly since I was 5! Good thing I listened and married the right guy!
There's nothing wrong with Bakersfield other then it's Bakersfield. Did you ever watch Johnny Carson? Most people take I5 because you can go 75mph and there is no local traffic. Hwy 99 hits several cities along the way. It will be about 110 degrees when you're there, but as the locals tell you, "It's a 'dry' heat." As if that's supposed to make it OK.
There's a greasy spoon on the north end of town just off the highway calked Zingos. We like to stop there for a burger or sandwich and they have these awesome cinnamon rolls the size of your head!
Personally though unless you have another plan that requires you to go through the central valley, I would go back to the 101 (assuming that's how you got from SF to Yosemite) and drive to DL via the coast route. If we don't have to make the drive in one day (my parents live south of SF), we prefer the coast route over the valley. It's much more beautiful and substantially cooler (by about 20-30 degrees). I'm not sure if you stay on points at the Hampton, but I think they just built one in SLO. I know there is an Embassy Suites there. I've stayed at that one. Whatever you do, I'm looking forward to the TR from your trip in my backyard!
I thought we were so smart- flying late in the day, landing on Oahu at 9pm, definitely, we would miss the traffic I had heard so much about.
Besides- I'm from NJ. Right near NYC. I am pretty well versed in TRAFFIC, and I couldn't believe that HAWAII of all places had anything even close to what I can get without a 10 1/2 hour flight for free at home.
We picked up the rental car from Alamo, and drove under the highway to find...hey wait. Did I say UNDER the highway? Like in the Bronx?
Did we just leave the airport, or did we just leave a Yankee game?
....and drove under the highway to figure out which way to get to Aulani. I knew it was only 1/2 an hour away, and at 10 pm (which is what it was by now) we would be well past rush hour traffic, right?
So, we were driving on the 10 lane highway (5 lanes in each direction) and stopped behind a sea of red- red brake lights, that is. At 10 pm. Because they were doing roadwork. We looked around us, and the 4 lane road that crossed beneath us- well, that was backed up for miles, too. And surrounding us in every direction were factories, and shopping malls, and traffic jams...
HEY! We wanted to go to HAWAII! How did we end up back in NJ after only a 20 minute flight???
Adding to the joy was the fact that my Aulani directions, mapquest directions and GPS - well, they all said something different.
We were so confused! And, seriously, why were we back in NJ? That was maybe the most confusing thing of all!
So...once the 5 lanes managed to converge into 1 lane....we moved quickly and before long could see Aulani in the distance.
Well, that made things MUCH better, don't ya know! We pulled in, were welcomed by the staff, escorted in to check in (which I had forgotten to do online), and we were all presented with leis, including Tim & Tyler.
As expected, of course, I burst into tears. I was so overwhelmed that we were FINALLY HERE! I had been dreaming of this since they broke ground! I had watched every update on the construction progress on every website as it went up! I had drooled over all the TRs on the DIS! And now...NOW it was OUR turn!
Cue more tears. I am SUCH a sap.
We were escorted to our room, 1058, a 1 bdrm OV Villa- and truly, I think we scored BIG time in the room lottery. Our location was in the first wing off of the lobby, and our room was the first one off of the elevator. Because of the building we were in, we had a HUGE double balcony, as opposed to 2 smaller ones. And we were right above where each night musicians played Hawaiian music on the patio until 10 pm. PERFECT. Here are some room pics-
Where's my bed?
Tim likey!
For those that were wondering about the size of the murphy bed, Timmy is running about 5'9"- today. Probably that day, too. Tomorrow, I am sure it will be 6'4.
This reminds me of the showers in the spa on the Dream-
Nice toiletries in both bathroom areas-
Cont'd next post-
This villa was BY FAR the most beautiful DVC villa we had ever seen- it is truly luxurious, absolutely beautiful. We were all happy to have arrived!
Myself included-
There was a nice selection of Kona coffee and hawaiian tea-
But we chose to pour a glass of sauvignon blanc instead while I unpacked, and then enjoyed the evening view-
It left me breathless-
We were in bed soon after that- tomorrow, we were SLEEPING IN! We had a relaxing day at Aulani to look forward to.... followed by a round of golf.
Life is GOOD.
Beautiful!! I spent the day at the spa at Aulani about a year ago, but we were staying in Honolulu. One day I'd love to go back and stay at Aulani! I loved my day visit there!
ooohhh that the sweetest story of how you met.
A great how we met story and I'm glad you posted it! I'm a big mush for stuff like this.
This shower looks wonderful. The whole thing looks wonderful!
I'm single digit dancing right there along with you!!
I can't believe there is so much traffic in Hawaii. CRAZY!
Aulani looks amazing! I so need to save up points and go.
Jill in CO
What a cute story about the two of you!
The room looks great and a beautiful view! But just wait until you stay at the VGC those room are gorgeous!
Yay for making it to Aulani!
Wow wow wow! The room is gorgeous!
This sounds VERY familiar! I'm glad (not really) that we weren't the only ones that had multiple directions to Aulani.
I love the pics of the room. I can't ever seem to get mine to turn out right. I did notice some differences from ours though. I guess it's the difference between an OV and a Std view?
Glad to see your TR has made it to Aulani. I got to reminisce during your Kauai part about our trip 30 years ago and now I can reminisce during the Aulani part about our trip 7 weeks ago!
Loved your meet Pods story, it's funny how things like that happen. The wedding pictures brought back all those 80s weddings & the floral bride's maid dresses!
Aulani looks gorgeous, I need to get there, fast!
I have grouped you all together, just to say- Thanks SO MUCH for liking our story, but, please go back and read it again, I added a few pics and a little more story, and I hope you will like it!
Separate names with a comma.


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by brucewdw October 25, 2010
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Corporate Description: The Many Adventures of Winnie the Pooh is a ride that is perfect for little ones in Fantasyland at Magic Kingdom theme park.Climb aboard Pooh's Hunny Pot for a slow-moving ride right into the pages of an A. A. Milne storybook. … see full wiki
An attraction at the Magic Kindgom.
An attraction in the Fantasyland area in Magic Kingdom theme …
An attraction at the Magic Kindgom.


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Didi's StoryThis is such an easy recipe because you start off with spice cake mix.
You can mix and match whatever flavors you want to add in. We love carrot cake, so raisins, nuts and coconut are a must!!
Once you fill them with the spiced marshmallow filling, they become show stoppers!! Be prepared for totally empty platters and requests for your recipe!!
Blue Ribbon Recipe
Notes from the Test Kitchen:
My, oh my! These muffins are simply irresistible... not to mention the marshmallow cream! An autumn must.
My, oh my! These muffins are simply irresistible... not to mention the marshmallow cream! An autumn must.
1 pkg
spice cake mix
1/2 c
1/2 c
vegetable oil
1 c
canned pumpkin (not pie mix)
1 tsp
pumpkin pie spices
1/2 c
chopped nuts (i used walnuts)
1/2 c
1/2 c
shredded coconut
2 tsp
hot water
1/4 tsp
1 jar(s)
marshmallow creme (7 oz)
1/2 c
1/3 c
confectioners' sugar
1/2 tsp
vanilla extract
1/2 tsp
pumpkin pie spices
2 Tbsp
canned pumpkin (optional) **see note**
Directions Step-By-Step
1Preheat oven to 350F.
In a bowl, add your nuts, coconut & raisins. Cut off the top of cake mix and add 2 tbls of cake mix to your ingredients. Stir thoroughly to make sure all ingredients are coated. This will ensure even distribution to your muffins.
2In your stand up mixer, or using a hand mixer and a bowl, add your cake mix. Add the rest of ingredients. Mix for 2-3 minutes.
3Fold in your nut mixture.
Spray muffin tins with non stick cooking spray. Using a 1/4 c measure scoop batter into muffin tins. Bake for 17-19 minutes, (mine took 17).
6Using your mixer, beat the marshmallow creme, shortening, confectioners' sugar and vanilla until light and fluffy. Add the salt mixture and beat for 1 more minute. Using your pastry bag or plastic bag, insert star pastry tip, add cream and chill till ready to use.
7Remove muffins from oven. Let rest on cookie rack for 1-2 minutes, then remove from tins and let them cool thoroughly.
8Using a citrus corer or whatever you prefer. Insert citrus corer into top of muffins. Make a hole thru the muffin, but ensuring you don't go all the way thru to the bottom.
9Continue with rest of muffins. Fill with marshmallow creme.
**Note: if you don't have a pastry bag, a ziplock bag with the corner snipped works just fine. **
About this Recipe
Course/Dish: Cakes, Other Desserts, Muffins
Main Ingredient: Fruit
Regional Style: American
Collection: Nuts for Baking
Other Tags: Quick & Easy, For Kids
Hashtags: #Carrot, #marshmallow, #Kids, #spice, #pumpkin
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Your local swarm liaison may be prepared to move the nest for a small fee. Look at the BBKA website, find the swarm section at the bottom of the page and enter your postcode. A list of volunteers should come up.
Is no 2 a choisya? Can't help with no 1
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They should flower this year but not until later. Very often mine succumb to the under gardener's over enthusiastic weeding ... so they fail to survive! I re-sow every year and they always flower.
Lemon balm? I have a yellow leaved variety in the garden which looks lovely. The flowers are quite small though and white.
They could be! Especially if the previous owner dug them up and left a small piece behind. With such a mild winter, it looks like it has survived and grown on.
They look a bit like the young plants of rosebay willow herb. Some consider it a weed!
I am quite jealous of his success! So far about 20 have grown into small plants. I suspect they are headed for the cool bed behind the garage!
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Can they be put outside now, especially as the weather is warming up and they need cooler conditions. I do hope someone can advise!
Diascia are hardy so will be fine outside.


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-Completion of ENGL 101 OR
-Permission of division dean
-Placement at college level reading
A study of the characteristics, concepts, and procedures involved in the preparation of scientific, technical, and industrial communications, providing models for and practice in writing descriptive, instructional, and analytical material, professional correspondence, and informal and formal reports. This course also includes attention to elements used to augment reports (illustrations, abstracts, summaries) and organizational patterns for oral and written presentations whose purpose and audience are clearly demarcated. Emphasis is upon current practice in professions and trades. 3 credit hours


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International Classes (Kokusai Classes)
Regular Classes (Kinder ~ 9th grades )
St. Louis Nihongo Kyoshitsu is a non-profit organization that focuses on teaching Japanese children Japanese, Math, Culture, History and Geography. The curriculum follows guidelines specified by the Japanese Ministry of Education and Science. It is operated by the parents of students who attend the regular classes and supported by the Japanese Foreign Ministry, the Ministry of Education, the Japanese Chamber of Commerce of St. Louis, and the Japan America Society of St. Louis.
International Classes (Kokusai I and II)
The purpose of the International classes of St.
Louis Nihongo Kyoshitsu is to open the door not only to young students, but
also to individuals becoming familiar with the Japanese language and the
The curriculum is basic conversation and reading
and writing basic Japanese characters. Students will also learn about
Japanese traditions and customs by participating in various activities,
such as New Year's Celebration, Field Day, the Japanese Festival at the
Botanical Garden, and writing an essay for an annual school year book.
Kokusai II (Individual's class) Over 18 years old as of April 1st
Kokusai I Kokusai II
Intermediate 9:45 AM - 10:55 AM Intermediate 9:45 AM - 10:55 AM
Advanced 11:00 AM - 12:10 PM Advanced 11:00 AM - 12:10 PM
Japanese for Youth 12:15 PM - 1:25 PM Introductory 12:15 PM - 1:25 PM
* Placement determined by a teacher's interview.
* Classes are changeable due to student's enrollment number.
* Times of classes may switch with other class times.
1st Semester: April – August (summer vacation is July and
the middle of August)
3rd Semester: January – March
* Classes meet every Saturday.
* The academic year has 42~44 lessons per year
* The school year follows the Japanese school year
Tuition: Kokusai I Deposit $50, Initial fee $50, tuition per month $45
Kokusai II Deposit $50, Initial fee $50, tuition per month $60
* College student's discount with valid ID $45
* Tuition will be paid at every semester
Location: Sverdrup Business/Technology Complex at Webster University
8300 Big Bend Blvd St. Louis MO 63119
Phone & Fax: 314-963-6930 (Saturday only) or 636-527-5432
For further information
Website: http://www.stlnihongo.org/stlnihongo/HOME.html


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Depression and Pregnancy
Posted Dec 02 2008 11:21am
What is depression?
Depression is more than just feeling "blue" or "down in the dumps" for a few days. It's a serious illness that involves the brain. With depression, sad, anxious, or "empty" feelings don't go away and interfere with day-to-day life and routines. These feelings can be mild to severe. The good news is that most people with depression get better with treatment.
How common is depression during and after pregnancy?
Depression is a common problem during and after pregnancy. About 13 percent of pregnant women and new mothers have depression.
How do I know if I have depression?
When you are pregnant or after you have a baby, you may be depressed and not know it. Some normal changes during and after pregnancy can cause symptoms similar to those of depression. But if you have any of the following symptoms of depression for more than 2 weeks, call your doctor:
* feeling restless or moody
* feeling sad, hopeless, and overwhelmed
* crying a lot
* having no energy or motivation
* eating too little or too much
* sleeping too little or too much
* having trouble focusing or making decisions
* having memory problems
* feeling worthless and guilty
* losing interest or pleasure in activities you used to enjoy
* withdrawing from friends and family
* having headaches, aches and pains, or stomach problems that don't go away
Your doctor can figure out if your symptoms are caused by depression or something else.
What causes depression? What about postpartum depression?
There is no single cause. Rather, depression likely results from a combination of factors:
* Depression is a mental illness that tends to run in families. Women with a family history of depression are more likely to have depression.
* Changes in brain chemistry or structure are believed to play a big role in depression.
* Stressful life events, such as death of a loved one, caring for an aging family member, abuse, and poverty, can trigger depression.
* Hormonal factors unique to women may contribute to depression in some women. We know that hormones directly affect the brain chemistry that controls emotions and mood. We also know that women are at greater risk of depression at certain times in their lives, such as puberty, during and after pregnancy, and during perimenopause. Some women also have depressive symptoms right before their period.
Depression after childbirth is called postpartum depression. Hormonal changes may trigger symptoms of postpartum depression. When you are pregnant, levels of the female hormones estrogen (ESS-truh-jen) and progesterone (proh-JESS-tur-ohn) increases greatly. In the first 24 hours after childbirth, hormone levels quickly return to normal. Researchers think the big change in hormone levels may lead to depression. This is much like the way smaller hormone changes can affect a woman's moods before she gets her period.
Levels of thyroid hormones may also drop after giving birth. The thyroid is a small gland in the neck that helps regulate how your body uses and stores energy from food. Low levels of thyroid hormones can cause symptoms of depression. A simple blood test can tell if this condition is causing your symptoms. If so, your doctor can prescribe thyroid medicine.
Other factors may play a role in postpartum depression. You may feel:
* tired after delivery
* tired from a lack of sleep or broken sleep
* overwhelmed with a new baby
* doubts about your ability to be a good mother
* stress from changes in work and home routines
* an unrealistic need to be perfect mom
* loss of who you were before having the baby
* less attractive
* a lack of free time
Are some women more at risk for depression during and after pregnancy?
Certain factors may increase your risk of depression during and after pregnancy:
* a personal history of depression or another mental illness
* a family history of depression or another mental illness
* a lack of support from family and friends
* anxiety or negative feelings about the pregnancy
* problems with a previous pregnancy or birth
* marriage or money problems
* stressful life events
* young age
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Women who are depressed during pregnancy have a greater risk of depression after giving birth.
If you take medicine for depression, stopping your medicine when you become pregnant can cause your depression to come back. Do not stop any prescribed medicines without first talking to your doctor. Not using medicine that you need may be harmful to you or your baby.
What is the difference between "baby blues," postpartum depression, and postpartum psychosis?
Many women have the baby blues in the days after childbirth. If you have the baby blues, you may:
* have mood swings
* feel sad, anxious, or overwhelmed
* have crying spells
* lose your appetite
* have trouble sleeping
The baby blues most often go away within a few days or a week. The symptoms are not severe and do not need treatment.
The symptoms of postpartum depression last longer and are more severe. Postpartum depression can begin anytime within the first year after childbirth. If you have postpartum depression, you may have any of the symptoms of depression listed above. Symptoms may also include:
* thoughts of hurting the baby
* thoughts of hurting yourself
* not having any interest in the baby
Postpartum depression needs to be treated by a doctor.
Postpartum psychosis (seye-KOH-suhss) is rare. It occurs in about 1 to 4 out of every 1,000 births. It usually begins in the first 2 weeks after childbirth. Women who have bipolar disorder or another mental health problem called schizoaffective (SKIT-soh-uh-FEK-tiv) disorder have a higher risk for postpartum psychosis. Symptoms may include:
* seeing things that aren't there
* feeling confused
* having rapid mood swings
* trying to hurt yourself or your baby
What should I do if I have symptoms of depression during or after pregnancy?
Call your doctor if:
* your baby blues don't go away after 2 weeks
* symptoms of depression get more and more intense
* strong feelings of sadness or anger come on 1 or 2 months after delivery
* it is hard for you to performs tasks at work or at home
* you cannot care for yourself or your baby
* you have thoughts of harming yourself or your baby
Your doctor can ask you questions to test for depression. Your doctor can also refer you to a mental health professional who specializes in treating depression.
Some women don't tell anyone about their symptoms. They feel embarrassed, ashamed, or guilty about feeling depressed when they are supposed to be happy. They worry they will be viewed as unfit parents.
Any woman may become depressed during pregnancy or after having a baby. It doesn't mean you are a bad or "not together" mom. You and your baby don't have to suffer. There is help.
Here are some other helpful tips:
* Rest as much as you can. Sleep when the baby is sleeping.
* Don't try to do too much or try to be perfect.
* Ask your partner, family, and friends for help.
* Make time to go out, visit friends, or spend time alone with your partner.
* Discuss your feelings with your partner, family, and friends.
* Talk with other mothers so you can learn from their experiences.
* Join a support group. Ask your doctor about groups in your area.
* Don't make any major life changes during pregnancy or right after giving birth. Major changes can cause unneeded stress. Sometimes big changes can't be avoided. When that happens, try to arrange support and help in your new situation ahead of time.
How is depression treated?
The two common types of treatment for depression are:
* Talk therapy. This involves talking to a therapist, psychologist, or social worker to learn to change how depression makes you think, feel, and act.
* Medicine. Your doctor can prescribe an antidepressant medicine. These medicines can help relieve symptoms of depression.
If you are depressed, your depression can affect your baby. Getting treatment is important for you and your baby. Talk with your doctor about the benefits and risks of taking medicine to treat depression when you are pregnant or breastfeeding.
What can happen if depression is not treated?
Untreated depression can hurt you and your baby. Some women with depression have a hard time caring for themselves during pregnancy. They may:
* eat poorly
* not gain enough weight
* have trouble sleeping
* miss prenatal visits
* not follow medical instructions
* use harmful substances, like tobacco, alcohol, or illegal drugs
Depression during pregnancy can raise the risk of:
* problems during pregnancy or delivery
* having a low-birth-weight baby
* premature birth
Untreated postpartum depression can affect your ability to parent. You may:
* lack energy
* have trouble focusing
* feel moody
* not be able to meet your child's needs
As a result, you may feel guilty and lose confidence in yourself as a mother. These feelings can make your depression worse.
Researchers believe postpartum depression in a mother can affect her baby. It can cause the baby to have:
* delays in language development
* problems with mother-child bonding
* behavior problems
* increased crying
It helps if your partner or another caregiver can help meet the baby's needs while you are depressed.
All children deserve the chance to have a healthy mom. And all moms deserve the chance to enjoy their life and their children. If you are feeling depressed during pregnancy or after having a baby, don't suffer alone. Please tell a loved one and call your doctor right away.
For More Information . . .
For more information on depression during and after pregnancy, call womenshealth.gov at 1-800-994-9662 or contact the following organizations.
National Institute of Mental Health, NIH, HHS
Phone: (301) 496-9576
Internet Address: http://www.nimh.nih.gov
National Mental Health Information Center, SAMHSA, HHS
Phone: (800) 789-2647
Internet Address: http://www.mentalhealth.org
American Psychological Association
Phone: (800) 374-2721
Internet Address: http://www.apa.org
National Mental Health Association
Phone: (800) 969-NMHA
Internet Address: http://www.nmha.org
Postpartum Education for Parents
Phone: (805) 564-3888
Internet Address: http://www.sbpep.org
Postpartum Support International
Phone: (805) 967-7636
Internet Address: http://www.postpartum.net
Source: National Women's Health Information Center, U.S. Department of Health and Human Services, www.womenshealth.gov
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Comment: He should refuse (Score 2) 169
According to TFA, the statute of limitations on the charges runs out in August of this year. On September 1 he can walk out of there a free man cleared of all charges.
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According to TFA, the statute of limitations on the charges runs out in August of this year. On September 1 he can walk out of there a free man cleared of all charges.
I like you.
In other words, some "real" scientific theory is much too boring for Hollywood.
Go back about four iterations of the EULA. No one has owned their Windows operating system in quite some time.
Haha good one!
...or one hundred. Now, if only the plant could do the same thing to mosquitoes....
Time to call the Whaambulance...
It's my number one stop when searching, though I don't do that nearly as often anymore. Not sure how this 'tech' is morphing or if it is at all, but I'm sure something will come up to replace the entire process...
Haha, indeed.
You mean to the rest of the world, right?
I think you are confused with what he is saying. Every country has their own unique taxing system. It just so happens that the UK is applying a fixed percentage on the profits companies take in. It is up to the company to decide what their margins are to be, not the government.
The car companies see this as a major revenue engine. They do not want to see anything legislated, so they are jumping the gun by showing the government that they are capable of policing themselves.
Its all total bullshit of course....
Indeed. I didn't read the article but I did hear about it on the radio driving into work (yes, radio). Driving is chocked full of little distractions, but what the interviewer said was that the digital control on the dash is even more distractive than a phone. I can relate to that - I drove a 2014 rental with one of those. I was a major distraction, and also a pain in the ass. I like my manual controls thank you.
You make it sound like I'm actually endorsing this. I am not. I don't even own a cell and I don't care to. Still though, if the rule is choosing the lesser of two evils, which one is better (or worse)?
Felson's Law: To steal ideas from one person is plagiarism; to steal from many is research.


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Also, HBO's Scientology documentary, 'Going Clear,' is provocative and riveting.
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