 teen. If they have a job or allowance, guide your teen to divide savings for college and savings for spending money. This can help prepare them to manage college loans if they ultimately have to take them out. Before college, your student needs to apply for financial aid and then continue applying for it each year of their education. This guide will help you in filling out the Financial Application for Federal Student Aid (FAFSA). Students should also look for any other scholarships and financial aid they can get before taking out student loans.
When in college, help guide your teen to resources related to money management on campus. Do they know how to get to the Bursar’s Office? Do they know their student loan officer? Is their savings account going to be transferred to a bank closer to their college or will they keep their old bank? Education consultant Jennifer Miller says it can be helpful to simply raise these questions for consideration, offer a receptive ear, and point to resources.
This also means that life after college is very challenging for many young adults. Dealing with debt and finding a job that allows them to pay loans back while also supporting living expenses is a delicate balance. In his book, There Is Life After College, Jeffery J. Selingo says, “The amount of student loan debt you have at graduation has a direct impact on the choice you’ll make in the years immediately after college.” This time may also mean your young adult will move back in with you after graduation. According to Pew research, as of May 2016, for the first time in the modern era, there are more 18-34 year olds living with their parents than living anywhere else. Parents have a range of thoughts on this, but above all, it is important for you to acknowledge some of the factors that may be contributing to your young adult’s seemingly stunted launch.
The parent/child relationship looks a lot different, perhaps, than when you were your kid’s age.
According to the Clark University Poll of Emerging Adults, more than half (55-percent) of 18-29-year-olds say they have contact with their parents via texting, email, phone, or in person every day or almost every day, and an additional 24-percent keep in contact at least a few times per week. However, some say their parents are a bit too close; 30-percent say that their parents are more involved in their lives than they really want them to be.
51-percent of parents in the State of Parenting poll said they spend more time with their children than their parents did with them.
What does this mean for my relationship with my young adult?
This can mean great things for your relationship with your young adults. The Clark poll found that more than three-fourths of 18-29-year-olds say that they get along a lot better with their parents now than they did in their mid-teens. This time can be a great time of support, friendship and discovery. However, it also means your relationship with your child is changing and it’s time to step back a little bit. This might be a time to take on a more supportive role in your child’s life rather than being involved in all of their decisions; a coach or mentor rather than a teller or fixer. Try setting a goal for yourself to help facilitate independence in your young adult. For example, Miller suggests asking yourself: “If an adult friend or close adult relative asked me for this kind of support, would it be appropriate or should they be doing it on their own?” This can help you reframe your perspective just a little bit and allow your relationship with your young adult to adapt and grow. Think of it as a wonderful opportunity for your relationship to take a new, beautiful form.
You’ve raised them, fed them, taught them, and now it’s time to let them go. Your “baby” is now a young adult, and they’re striking out on their own.What about deformities? Severe brain damage? A small child forced to give birth? Rape victims? You didnt even answer about those. You sidestepped entirely.  


What about after the forced birth? States willing to restrict women's healthcare are the ones with the worst records as far as financial assistance, childcare, healthcare, education, everything an accidental child needs to not live a horrible life of poverty and sickness. Trust me, I know. I lived in Texas for 32 years. These states even cut funding an access to women's contraceptives to prevent these births in the first place.  


What those programs take is TAXES, which Republicans are unwilling to spend on social programs for the poor.  


You want to force the woman to give birth, but you arent willing to pay a little more in taxes to ensure the new birth is taken care of. Instead, daycare programs are PRIVATIZED businesses that cost money.  


And no, Planned Parenthood does not kill babies to keep minority populations down. I have no clue where you heard that one as its a new one to me.They used to be the latest in new technology: now they are icons of our heritage and culture. An Post have issued a new set of stamps commemorating: Space Invaders, PacMan, Mario, and Sonic the Hedgehog.
The old arcade hits Space Invaders and PacMan will raise a smile with a certain generation: I vividly remember the Space Invaders machine in the chipper in Macroom! Console favourites Mario and Sonic will be popular with all generations – instantly recognisable for kids to this day.
The stamps were designed by Zinc Design Consultants, the Dublin-based award-winning graphic design studio.
The four stamps, titled Game Icons – Cluichí Íocóineacha are available in a block of 4 standard class stamps featuring each of the images for €2.72, or a larger sheet for €10.88. The collectors edition First Day Cover featuring all four stamps costs €3.72.
The company's push to sell educational software to schools has given investors several reasons to be bullish.
Rosetta Stone (NYSE:RST) is well known for its foreign-language programs, but that business is a shadow of its former self after losing market share to app-based competitors. The company has shifted gears and is now focused on a business that brings software-based education to K-12 schools.
Will this strategic pivot yield positive results?
Data source: Rosetta Stone financial reports.
Foreign-language education has been the hallmark of Rosetta Stone's business, but the market has changed significantly over the past 10 years. The proliferation of smartphone apps has accompanied a major decline of Rosetta Stone's foreign-language revenue.
As a result, the company has moved toward K-12 literacy education.
Rosetta Stone entered the K-12 education market when it acquired literacy-education company Lexia Learning Systems in 2013. Literacy education is similar to foreign-language education, enabling Rosetta Stone to capitalize on the expertise it developed from prior years.
When Rosetta Stone acquired Lexia, its literacy software only served students from pre-K to fifth grade. Rosetta expanded the product to cover more grade levels. The company also developed enhanced software tools for teachers to track student progress.
The revamped software suite is more marketable to school districts, because it's a total solution. It has also received industry praise. THE Journal, an education industry publication, recently ranked Rosetta Stone's literacy education product No. 1, beating out competing solutions from Apple and Google.
Image source: Rosetta Stone.
Although the product side of the business is similar, the sales strategy for K-12 education is totally different. Instead of selling packaged software through direct-to-consumer channels and retail stores, Rosetta Stone has had to develop a sales force to call upon school districts and bid for contracts.
It would have been difficult to build a K-12 education business organically, but the Lexia acquisition gave Rosetta a beachhead into school districts with several preexisting contracts. From there, the company has built a sales team of 75 people to win new deals.
Once awarded, contracts are multiyear sources of recurring revenue. From a business standpoint, recurring revenue is preferable, because it's more predictable. This is in contrast to Rosetta Stone's foreign-language CD business, in which it made one-time sales to consumers.
The process for selling software to schools is arduous with just a limited number of contracts, and school districts are less likely to take a chance on a new company without a proven track record of success. This is actually a good thing for Rosetta Stone, because it creates a barrier to entry for new competition -- preventing a repeat of what happened to its foreign language business.
There is growing interest from parents and schools in using technology to improve educational outcomes. Literacy is a great opportunity for the company, because it impacts every student, many of whom are falling behind. For example, according to Rosetta Stone, 64% of fourth graders are nonproficient readers.
In 2018, Rosetta Stone's K-12 business served four million students in 17,000 schools, but this is just a small fraction of the overall market. There are more than 47 million K-12 students in the United States at approximately 103,000 schools -- Rosetta Stone is capturing less than 20% of the current market. With a product ranked No. 1 by industry publications, the company is well-positioned to win a place in more classrooms.
There's also the opportunity to increase revenue per school through upselling. Rosetta Stone is developing a product for foreign language-speaking English learners and is adapting its foreign-language programs for school curricula. The company already has a strong brand in language