What Your Kids Really Need To Know To Survive As Adults!

The following is a guest post written by Gregg Murset, creator of BusyKid

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What Your Kids Really Need To Know To Survive As Adults!

Let’s take a journey back to your high school or college days. Remember when you’d be low on cash to have fun with your friends or you’d be taking another loan out to pay for the upcoming semester? As students you probably never really sweat it since you’d either hit up your parents or lean on a credit card. You’d also probably flash forward in your mind to how life will be so much better once you land that full-time position and make serious money.

Oh those were the days, right?  The only problem then (and now) was that too many high school and college students are really living day-to-day, beyond their means and amounting debt that will take years to overcome, if it could be overcome at all.

Right now you might be saying … “Heck, everyone has the same problem, so what’s the big deal”. Well it’s a big deal because the extra financial burden has many young Americans stressed and less productive. Matter of fact, according to a report from Bank of America and Merrill Lynch Workplace Benefits, 67% of millennials say financial stress overtakes their ability to focus and be productive at work and school. This is more than twice as likely than baby boomers — 32% of whom worry about the same thing.

“Traditionally college graduation marks the end of one journey and the beginning of another,” says BusyKid CEO & Certified Financial Planner Gregg Murset. “However these days, the start of the journey into the “real world” comes with a lot more financial worries. These young adults have been set up to fail thanks to a lack of financial education, direct marketing by credit card companies and student loans.”

Upon graduation, many young adults are hit with a wall of personal finance dilemmas. Some will need to pay rent, find a job, pay off student debt (the average student loan debt at graduation in 2016 was $37,132), and most of them will have no idea where to start because they’ve never been taught.

So parents, here are some things you can do or teach your kids before they graduate. Sure, they will still make mistakes or bad choices, but heck, no one is perfect. You can teach someone to ride a bike but they still might crash, right? Use the suggestions below this as your guide and there’s an excellent chance your children won’t be living with you when he/she turn 30.

Don’t Count On Your High School … Right now in the US the majority of high school graduates never take a single class on personal finance or economics. Without the basic understanding of financial terms and practices, your children will be totally unprepared. If your school doesn’t teach a minimum of one year on basic finance, it’s up to you to give your kids the tools they will need. Thank goodness for the Internet (and BusyKid)!

Modern Money … Yes, dollars and cents are still used, but not as much as you think. It’s estimated that less than 10% of the currency in the world is actually paper or coins. This means your children need to know how to manage “invisible money”, including paying bills and ensuring bank accounts don’t hit zero. Stop writing checks and use online services while your kids are young enough to do it with you and can learn by example.

Saving Money … Seems simple but 39% of Americans admit to having zero in a savings account. 57% say they have less than $1000 in a savings account. Teach your children to take a portion of any money they get (birthday, holiday, babysitting, mowing grass, etc.) and place it in a savings account. As a rule, 50% should go to savings. (40% to spend and 10% to share.)

Investing … If your children ever want to retire, they will need to invest money somewhere along the way. Lucky for them there are plenty of resources available to teach them how, including some fantasy investing games which would allow them the chance to invest pretend money. With BusyKid they can invest a small portion of their weekly allowance. Practice makes perfect … or at least better educated.

Credit Cards … As soon as your children hit a certain age, they will be bombarded with marketing materials from credit card companies. So be ready! If you want your children to have a card, make sure you sign up for spending notifications or that it’s only used for emergencies. Make sure to pick a card with a low annual percentage rate and it is paid off each month. This can be dangerous territory, so if there’s one place to be overprotective as a parent, it’s here.

Student Loans … Designed to help students get to college with the promise of paying them back later, student loans can serve a great purpose. The problem has become, everyone has the best intentions to pay them back, but something goes terribly wrong. Currently U.S. student loan debt is $1.5 trillion and nearly 9 million loans are in default. Have your children follow this simple rule – don’t borrow more than they would earn in their first year out of school. In other words, if your child is going to make $24,000 as a first-year teacher (about $20,000 after taxes), don’t take $50,000 in loans.

Compound Interest … Compound interest is when a bank pays interest on both the principal (the original amount of money) and the interest an account has already earned. As an example, if you put $1000 in the bank with compound interest of 10%, in 20 years the $1,000 would be more than $7,000. Without compound interest, it would be $3,000.

Overwhelming? It certainly can be but any disaster can be avoided. You still have time. Maybe you had all the answers when you graduated high school or college, but if not, help your kids learn from your mistakes. Listen, if you knew your child was going to fly a plane a few months after graduating high school, wouldn’t you make sure he/she knew everything there was to know to avoid a crash? Well, a financial crash may not be a painful but it can be just as devastating.

By Gregg Murset, creator of BusyKid

 

Image Source: Pixabay

Book Review: Best of Bridge Weekday Suppers: All-New Easy Everyday Recipes by Emily Richards and Sylvia Kong

Best of Bridge Weekday Suppers: All-New Easy Everyday Recipes by Emily Richards and Sylvia Kong

When you don’t know what to make for supper and everyone is bugging you to feed them NOW, what do you do?

You could go scream into the clown’s head and get some robot food, or you could pick up your copy of Best of Bridge Weekday Suppers: All-New Easy Everyday Recipes by Emily Richards and Sylvia Kong and you are ready to go.

You probably have everything you need to fix most of these recipes. There are even recipes for dessert in here.

These recipes are easy to follow. Well, not really. The problem will be when the recipe says to cook the bacon and set it aside. What cook is going to allow bacon to just sit there without eating it?

If you can resist the bacon long enough for it to actually make it into your recipe, you have the makings for some very tasty meals.

The spiral binding on this book makes it easy to follow the recipes because it doesn’t change the page while your back is turned. Who hasn’t had the page turn on them while they are making a recipe? This makes for some interesting meals.

This easy to follow book will make a great addition to your cookbook collection. Even a husband can follow these recipes. Get your copy of Best of Bridge Weekday Suppers today.

We were sent a complimentary copy of this book. We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255.

Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction, at no additional cost to you. Thank you for your support.

PS Annie! is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

Book Review: The Tears of Gethsemane by Deborah Faulks

The Tears of Gethsemane by Deborah Faulks

The Tears of Gethsemane by Deborah Faulks was a difficult book for me to read and review.  It is very different from most books regarding Christianity.

When I first started reading this book, it was difficult for me to concentrate on it.  I started it over several times because I just wasn’t getting it.

I started to just set it aside for later, but then a prompting told me I really needed to get into this book.  I said multiple prayers and then dug into it.

Once I was able to quiet my mind, I was able to really understand what the author is trying to say.

Suzanne and I are from a charismatic, fundamentalist background.  This being said, we a have a few fundamental theological differences, but the overall feel and message of the book is completely in keeping with our beliefs.

This is not the kind of book one should just plow right through,  It is the kind of book that one should read with a lot of prayer and reflection.  One should keep their favorite translation of the Holy Bible handy and probably another translation to help when one has questions.

The Tears of Gethsemane would make a great small group Bible study. This would probably be the best way to approach it.

Perhaps a group of Christians should take one chapter at a time and spend a week reading and re-reading it as well as prayerfully considering it.  Then, they could come together and discuss it in more detail.

If you miss this book, you have probably missed a blessing.

We were sent a complimentary copy of this book.  We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255.

Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction, at no additional cost to you. Thank you for your support.

PS Annie! is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

Friendly Fill-Ins and Feline Friday

Friendly Fill-Ins is a fun meme co-hosted by 15 and Meowing and Four-Legged Furballs. Feline Friday is a funny kitty adventure hosted by Sandee over at Comedy Plus. Be sure to visit all of them and join in the fun!

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Here are the fill-ins:

  1. _____________and ______________ go hand in hand.
  2. __________________________ makes my heart happy.
  3. Don’t be afraid to ____________________________.
  4. If ________ was a sport, I would win hands down.

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Here are my responses:

Peanut butter and jelly go hand in hand, though I have yet to see jelly with hands.

Being loved by our kitties makes my heart happy.

Don’t be afraid to follow your dreams. They may not lead you to the expected destination, but instead may take you to something much better and more fulfilling in the end.

If going to the bathroom was a sport, I would win hands down, if for no other reason than that I’m in there the most! No one else gets a chance to score. 🙂

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Have a blessed weekend, y’all!

Image Source: Pixabay and Pixabay

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Continue reading “Friendly Fill-Ins and Feline Friday”

A Psalm Given to Suzanne

I am doing my daily Bible reading in the book of Psalms. After my reading Tuesday morning, the following psalm was laid upon my heart. May Heavenly Father take it to the one that needs it right now, just as I do.

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Oh, Lord, my God, my strength and my redeemer.

Cast away all doubt. Drown fear in the rain of thy peace.

I am alone and know not who I am.

Show me I am yours.

You are my Father and I your daughter.

When they come to hurt me, when thoughts come to torment me and trap me in the pit of despair, wrap me in the wings of your love.

Hide me behind the veil of your strength, in the secret places unknown to my enemies.

Send them away, conquer their haughty, mocking spirits.

They seek to destroy me. I cannot defend myself from their arrows. Humble them and cease their awful conquest. Break their bows as they have broken my heart.

Stitch back together the heart tattered by sin. Cloak me in strength, peace, and love.

To You, my Father, I give my heart and soul. You are mine and I am yours. Great is your love.

Thankfulness flows from my heart. Selah.

~15 January 2019~
Suzanne G. McClendon

Image Source: Pixabay

Book Review: The Herbal Medicine Cookbook: Everyday Recipes to Boost Your Health by Susan Hess and Tina Sams

The Herbal Medicine Cookbook: Everyday Recipes to Boost Your Health by Susan Hess and Tina Sams

Cholesterol too high? Take a pill.  Blood pressure too high? Take a pill.  Got a cold coming on? Take a pill. So many pills cannot possibly be good for us.

Modern medicine has an answer for just about everything.  But at what cost to your health?

The Herbal Medicine Cookbook: Everyday Recipes to Boost Your Health by Susan Hess and Tina Sams provides you some simple, relatively inexpensive ways to help you stay healthy.

This book is a step-by-step guide to eating in such a way that you give your body what it needs to heal itself.

You don’t need to replace your doctor or other health care provider, unless that is your goal.  You can help yourself feel better by following the recipes in this cookbook.

The Herbal Medicine Cookbook takes the idea of Chinese medicine and makes it easy to understand and easy to follow.  You won’t need a lot of fancy herbs or other ingredients. You probably have just about everything you need to follow most of these recipes right now.

This book tells you what equipment you need to get started.  Most modern kitchens have all of it or, at least, most of it anyway.

By following these easy recipes, you will give your body what it needs to feel better and healthier.

We were sent a complimentary copy of this book.  We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255.

Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction, at no additional cost to you. Thank you for your support.

PS Annie! is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

Book Review: Keto in 30 Minutes: 100 No-Stress Ketogenic Diet Recipes to Keep You on Track by Jen Fisch

Keto in 30 Minutes: 100 No-Stress Ketogenic Diet Recipes to Keep You on Track by Jen Fisch

Let’s face it, there is no one, perfect diet.  We hear so much about keto diets now but, what is a keto diet and how will it help? Keto in 30 Minutes: 100 No-Stress Ketogenic Diet Recipes to Keep You on Track by Jen Fisch will answer many of your questions.

This book takes the time to explain what a keto diet is and what it isn’t.  Did you know that certain vegetarian dishes can be a part of a keto diet?

Evidently, the keto diet was intended to help with epilepsy.  It has also been used to help with Parkinson’s Disease. The thing is, you should never start a diet of any type without discussing it with your doctor, nutritionist and/or other medical professional.

This book answers the question, “How do I know I am in keto?”

You will learn about the proper kitchen tools to make following a keto diet easier and about exercise, as well.

This is probably something a diabetic wants to shy away from but, for many others, the keto diet may just be what you are looking for.

Keto in 30 Minutes delivers just what it promises. That is keto meals that are quick and easy to prepare without a lot of fuss and muss.

We were sent a complimentary copy of this book.  We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255.

Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction, at no additional cost to you. Thank you for your support.

PS Annie! is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.

Book Review: Express Yourself: The One-Year Journal for Girls by Katherine Flannery and Illustrated by Elizabeth Graeber

Express Yourself: The One-Year Journal for Girls by Katherine Flannery and Illustrated by Elizabeth Graeber

Express Yourself: The One-Year Journal for Girls by Katherine Flannery and Illustrated by Elizabeth Graeber is a great year-long guided journal for girls (for anyone, really).

There are weekly questions to answer, in addition to writing a little snippet for each day of the year. If you tend to write very long daily entries, then you will need to do it outside of this book, which only allows a few lines for the daily entries.

The weekly questions range from the not-so-serious to questions of depth, such as describing the funniest thing that ever happened to you and how you have dealt with rumors being spread about you.

There are round up questions after the year of journaling, which help you to reflect on the year. Some of these can be very emotional, depending on how your year has gone.

Express Yourself is a great book to help a person get into the practice of daily journaling without being overwhelming.

We were sent a complimentary copy of this book.  We are under no obligation to write any review, positive or negative.

We are disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255.

Notice: This post contains affiliate links. If you click a link and make a purchase, we may financially benefit from your transaction, at no additional cost to you. Thank you for your support.

PS Annie! is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.