Let The Teens Manage Their Money

By Florencio Jr Sevilla

One of the reasons why teens love to work is that they want to have their own income. Teens want to have discretionary funds they can use without their parents poking at them and auditing all their cents. If the parents would let their teenagers manage their own money, they should be ready to give them advises on money management such as budgeting and fund management. In this way, they can be sure that their teens will not just squander their money on less important things.

The following may help the teens manage their money:

Teach the teens to save
Encourage the teens to open a savings account to deposit their earnings. Even just a few dollars a week will be good enough. If their parents are giving them allowances, they can talk to them and ask them to set aside some dollars in the bank. When the time comes that they need to withdraw, they will be amazed to see how much money they have saved.

Teens must spend wisely
The biggest nightmare among the teens is to wake up with nothing to spend, yet the next allowance is still a few days away. They will be forced to borrow and this will only add more problems. Spending wisely is a must especially to those with tight budget. If the school is just a walking distance, they should be happy to take a walk and enjoy that needed exercise. Need to go dating? Why not ask their crushes to have a chat with them in the park, this way they don't need to spend much. A can of soda could do the trick.

Introduce the teens to fund management
There are many plans of fund management that are available to teens. With a few dollars, the teens can have the opportunity to increase their money under the watchful eyes of money experts. This will also add pride to the teens for having invested money like what the grownups did. In addition, requiring them to pay taxes out of their investment will make the teens contributors to the national coffers.

Get a checking account
Getting a checking account will teach the teens some financial responsibility. Just imagine the teens issuing some checks for their purchases and or services they acquired. Knowing that a bouncing check would have legal repercussions, the teens will be extra careful in handling their finances.

Let them get credit cards
The feel in getting credit cards nowadays is greatly different as compared many years ago. Before, a person is jubilant when his application is approved because it proves that he is credit worthy. Today, credit card offers are numerous that it will make the eyes bulge. The teens must be extra cautious on the type of cards they will apply. The benefits are vaguely explained in the ads or in the emails when credit card companies promote these cards. Most often, actual charges and interest rates are hidden, only to make the teens sorry for just freely making purchases.

Credit cards are there to allow the teens to purchase, but they have to purchase only those things that are needed. They must avoid being compulsive buyers.

Parents have a lot to explain to their teens about money management. No matter what the teens want, the parents are in the best position to tell what is best for their teenagers. Just remember that the parents could contribute much to the success or failure of their teens. Let the teens manage their money and make them real money managers.

FLORENCIO JR. L. SEVILLA is a freelance writer. He presently resides at Calaran, Calamba, Misamis Occidental.

He publishes the following websites:

About Teens at http://elsaguirigay.googlepages.com
About Marriage at http://makemarriagelast.googlepages.com

Article Source: http://EzineArticles.com/?expert=Florencio_Jr_Sevilla

Connections - Manage Them Well

By Dorothy M. Neddermeyer, PhD

We make the strongest impressions when we are confident to talk openly and directly about our wants, needs and goals. Many people are willing to help us find fulfillment, but they are unable to help us meet our objectives when they do not know we need support.

When you share your desires, dreams aspirations and goals with your friends, peers, colleagues, they may well have ideas and connections that will serve you for many years into the future.
You can captivate people’s interest by simply being honest with them about what you are hoping to achieve. It is likely they, too, have been in a position wherein they required the assistance of someone. They will undoubtedly be glad to have the opportunity to pay it forward.
You can make a strong impression on others easily by simply sharing your thoughts and feelings with them openly and directly. The stories you tell will intrigue others, ensuring that you continually have a support system and help on your journey.

In time you will find yourself connected to people eager to hear more about your long-term plans. Your chances of succeeding are heightened when you initiate conversations with a wide variety of people in all areas of your life.

Some important tips to remember in making connections:

• Follow up with every person you meet or speak with about your goals, keep in touch with all your contacts periodically. A handwritten note or email letting the person know you enjoyed meeting them is priceless today, and worth every minute. Your goal is to solidify your initial impression as a savvy person and someone to be remembered.

• Give and you shall receive. Become involved with offering to assist someone. Volunteer for a charity, which can lead to connections and the development of relationships that are not only based on building business contacts, but on helping others.

• Make connections through social events. Invite colleagues, prospects, clients, and contacts to your home to establish a more personal relationship. An invitation to a social event also creates opportunities for reciprocal invitations and introductions to others' inner circle of contacts. Host an open house, buffet, or afternoon coffee. Your event does not need to be lavish to impress. It is the invitation that counts.

Dorothy M. Neddermeyer, PhD, Life Coach, Hypnotherapist, Author, "101 Great Ways To Improve Your Life." Dr. Dorothy has the unique gift of connecting people with a broad range of profound principles that resonate in the deepest part of their being. She brings awareness to concepts not typically obvious to one's daily thoughts and feelings. http://www.drdorothy.net

Anger - Detect It, Prevent It, Manage It, Just Don't Lose It

By Benedicta Dolson

Anger is one of the most misunderstood and overused of human emotions. It is a reaction to an inner emotion and not a planned action. The feelings underlying the anger reaction make us feel vulnerable and weak; anger makes us feel, at least momentarily, strong and in control, but anger can be devastating. One moment of madness can bring about lifetime of suffering and in vain repentance. To be more specific:

• Anger sends marriages and other family relationships off-course.
• Anger reduces our social skills, compromising other relationships, too.
• Anger means losing business that you could have won in a more gracious mood.
• Anger leads to increased stress.
• We make mistakes when we are angry, because anger makes it harder to process information.

Angry behaviors are learned over the life-span and therefore can be unlearned and replaced with healthier patterns of coping. To repress anger is unhealthy and yet to express it impulsively, as we so often do, may give momentary relief but inevitably will carry negative consequences. Here comes the anger management, following are some of the anger management techniques:

• Learn to talk about your feelings - if you're afraid to talk or if you can't find the right words to describe what you're going through, find a trusted friend or adult to help you one-on-one.

• Express yourself calmly - express criticism, disappointment, anger or displeasure without losing your temper or fighting. Ask yourself if your response is safe and reasonable.

• Listen to others - listen carefully and respond without getting upset when someone gives you negative feedback. Ask yourself if you can really see the other person's point of view.

• Negotiate - work out your problems with someone else by looking at alternative solutions and compromises.

Detect and Prevent Anger

There are very distinguishable physical manifestations of anger. If you are able to discern it you can pre-manage your anger by detecting and preventing your sliding into angry state of mindset. When you are angry, you would probably feel:

• Muscle tension
• Accelerated heartbeat
• A "knot" or "butterflies" in your stomach
• Changes in your breathing
• Trembling
• Goose bumps
• Flushed in the face

You can reduce the rush of adrenaline that's responsible for your heart beating faster, your voice sounding louder, and your fists clenching if you:

• Take a few slow, deep breaths and concentrate on your breathing.
• Imagine yourself at the beach, by a lake, or anywhere that makes you feel calm and peaceful.
• Try other thoughts or actions that have helped you relax in the past.

Keep telling yourself:

• "Calm down."
• "I don't need to prove myself."
• "I'm not going to let him/her get to me."

Stop. Consider the consequences. Think before you act. Try to find positive or neutral explanations for what that person did that provoked you. Take help of the people expert in providing stress management techniques, or join anger management classes, if you think you yourself are not capable of controlling your anger. To know more about anger management read articles on BIAM.org.uk.

Whatever you do to manage your temper, remember one thing; only you have the power to control your own violent behavior, don't let anger control you.
Be strong. Be safe. Be cool.

Benedicta Dolson is a respected psychiatric counselor. Her anger management techniques has helped many. That apart she also conducts anger management classes.

Here Are 10 Tips On How To Manage Your Home Based Business

By Bismark K Ampofo

Now that you have decided to start your own home based business, how are you going to manage your home business or work.

Project management is a very important skill for the home based business entrepreneur. Yet, most if not all home business entrepreneurs are untrained project managers, managing a business. Think about how cool that is.

My advice to you is if you’re managing a home based business, it would be a very good idea to build up your time and project management skills.

Here are some of the many guidelines that you need to follow in order for your home based business to be successful.

You should plan your routine. In order to have a real business you must have a vision and create a strategy to achieve that vision. And if you do this you’ll get better execution of your efforts and see better results.

Stop going around collecting tactics or secrets and only buy products and services that will support your strategy in achieving your vision.

Remember that you're your own boos:

This means the responsibility of ensuring it success rely on you. The very boss in your regular job (who is hated more than often) does a lot of work for you. Be it project management, disciplining or producing the necessary motivation for the required results. Now your run your own business, therefore, you must Study and use project management methodologies to grow your business.

• Realize that your time is all you have therefore you need to know its current value and have a plan to increase it.
• Always remember to build your home based business around scalability and leverage.
• Study and understand how to outsource and build a network of relationships, so you have access to talented freelancers whenever you need them.

Use Process Mapping:

Process mapping is one the best ways to document the way work should be done and how it interrelates to other activities in your work at home business. When you start using process mapping, it'll be really easy to see why your current way of doing an activity is more productive.
Process map makes it easier to understand the interactions, flow, sub-process and activities that constraint your performance.

• To manage your time working efficiently on your home based business, you have to delegate what hours are for for productive work and non-productive work. Explain to family — especially children — that you aren't choosing work over spending time with them, but that you have to work during work hours.
• Productive Time is when you directly work on your bottom line that is generating income. It is time spent creating products, market products or website, improving your marketing process, managing money making projects, and creating scalability in your home based business.
• Non-Productive Time is activities that distraction you from doing productive work.

Here are some examples of non-productive are: surfing the Internet, checking and reading email, answering your phone, studying and learning time, checking Web site stats, organizing your desk, and cleaning your office. Now I'm not saying you shouldn't spend any time on these activities. You need to spend time learning, and you do need to talk to your friends. I'm just pointing it out so you won't confuse that with earnings. Remember the saying that Knowledge is power, but it has no worth to your home based business unless it’s implemented and acted upon.

If you follow these tips, you’ll be well on your way to increasing your income while reducing your stress and work hours.

"Much may be done in those little shreds and patches of time which every day produces, and which most men throw away." - Charles Caleb Colton

Bismark Ampofo is an internet home based business entrepreneur who likes to help newbie and intermediate online home based business entrepreneurs start and grow their own home based business.

Knowledge is Power - Learn how to start your internet home based business right! Visit us today at http://www.free-home-based-business-info.com