Finance Tips for Teens: How to Buy Your First Car

It’s that time, and you can hardly believe it. With your newly obtained license, you’re ready to hop on in and drive—who knows where!

Car refinancing may help you later, giving you the option to refinance your higher loan and payment, but what can you do now? And how do you choose what option is best for you?

These ideas should help:

  • Do you work full or part-time? How much money do you bring in a month? Do you live at home or will you be on your own? What other bills will you have? Asking questions like these is a good way to decide on how much monthly you can afford to spend on a car.
  • Write down what you can afford onto a slip of paper. Take the paper with you when searching. Don’t go beyond your budget.
  • Don’t extend the loan just so you can afford the monthly payment. Remember, you will still be paying interest.  It’s probably going to be high and this will affect your payment. A good rule of thumb: The fancier the car, the fancier the interest rate.
  • Consider a used car. Less glitz, but more power when it comes to the length of time it will take you to pay off your loan.
  • Look around. Don’t take the first car you “love,” but search until you get the best car for the best price.

Buying your first car should be a personal venture; the car’s for you, after all. Just make sure you get a car that you love and can afford

 

Getting Your Teen Excited about the Move

Moving is a big part of any person’s life. It doesn’t have to be a far away relocation, either. Moving to a new apartment is always exciting. It can be especially exciting for some teenagers. However, if your teen is having difficulties moving away from home, there are some things you can do to ease the transition.

Going shopping for new household items is fun. Girls are more prone to shop and pick out matching dishware and curtains. Boys can be decorative in their choices as well, but they may require a bit more persuasion. Guys are more apt to move when there is another incentive involved, such as a vehicle. Even if the car isn’t totally brand new, a good-looking used vehicle will typically warm up any teenager to moving.

Visit your teenager’s new apartment or dorm with them. If they’re moving due to college reasons, ride around the area with them. Visit the park, local mall and teen-orientated attractions. Help them become familiar with their new surroundings. If the area isn’t what your teen hoped it would be, visit the association management company that provides services for the apartment. There may be another area more suitable to your teenager’s desires.

Some teenagers receive a move to a new place well. Others, like those close to their family, require the support of their family. Talk with your teenager and find out if there are any other fears or complications they may face during the new transition. Make it as easy for them as possible.

Helping your Teen Through the Tough Times

Me And My Parents 

Image by Joe Shlabotnik via Flickr

Many parents seem to have issues once their child becomes a teen. The child that they once knew and loved suddenly becomes a totally different person. The Dr. Jekyll and Mr. Hyde syndrome kicks in and the parent feels as if they no longer know their child. Never fear you are not alone, almost every teen goes through this.

Being a teen-ager these days can be a tough time. So many things are out there assaulting their senses; drugs, alcohol, smoking, sex and the list goes on. As a parent you need to lead by your example. So, if you do not wish your child to be involved in these things you need to lead by example. Be sure that your teen also knows where you stand on such issues. Do not expect them to know how you feel if you have not taken the time to discuss it with them.

You may even find your teen pulling away from you, wanting to be alone or trying things independently. This is actually quite normal and to be expected. It is time for you as a parent to start letting go and allowing your teen to make some decisions on their own. Do not fight this need for independence, you will only lose and alienate your child. Encourage their need to make their own decisions, give your opinion, but let them make the final choice. Better that your teen learn how to make choices when you are available to help, then to wait until they are gone from home and no longer have your support if an issue arises.

Can Your Bottled Water Be Harmful?

Depositable PET-Bottle from REAL

Image via Wikipedia

Teens, parents, the young and the old alike are faced with a daily decision when it comes to hydration. For some years, there have been murmurings and hints that something wasn’t quite right about those convenient plastic bottles of water. It took decades since their initial introduction, but they’d become as ubiquitous as air. And now, even the FDA admits that something just isn’t right about the containers that hold water. Although the bottles look clear and pure, they really don’t pass muster when it comes to health.

That’s because plastic bottles contain BPA, a substance with several detrimental effects. While long term studies are lacking, they’re on the way. It seems unlikely that one’s medical needs towards clean living are being met by constant consumption of a product that sits for long periods of time in a container that leaches this harmful substance. A class action attorney in Los Angeles might just help when one’s health has been affected by contamination.

Oddly enough, a lot of parents spend considerable time worrying about their teens taking drugs or doing other things which are harmful to themselves. Few parents take notice that something supposedly healthy, such as water, could be causing more harm than good. That’s especially so for those teens that refuse to drink from faucets or fountains. Their bodies are subjected to far higher concentrations of these newly discovered toxins than the average person. New developments in plastic bottle technology may offer new hope for a safer water drinking experience. With eyes now opened to the harms of the previous technology, closer scrutiny will be paid to the next generation.

Teaching your Teen Mobile Responsibility with Muve Music

Being the parent to a teenager can often be a challenging task. If parents teach children responsibility while they are still teenagers, the chances of them growing to be capable adults is much higher. One struggle that many parents find with teenagers is teaching them responsibility, especially when it comes to cell phone usage. Below are some ideas to teach teenagers how to be more responsible with their cell phones.

Teach About Responsibility

Phones, and many plans on the market, are very expensive. Yet, teenagers tend to take advantage of the fact that mom and dad will pay for their phone, even if they go way over their data allotment. Parents can get their teenager a prepaid phone to help teach about responsibility. A great option is the prepaid Blackberry Curve. Your teenager still gets the coolest phone on the market, but because it is prepaid he will have to manage his data usage and text messaging.

Consider Cricket’s Muve Music 

Student texting during class 

Image via Wikipedia

Cricket recently released the new Muve Music unlimited plan. This is a wonderful option for parents and teenagers alike. Your teenager will love the cool features, like unlimited music, videos, and data. Parents love the unbeatable price of $55 per month. Your teenager has everything they need to stay up-to-date and in touch, but you’re not paying for those times when the data allotment or the text messaging goes overboard.

Cell phones and cell phone plans are a great way to teach teenagers about responsibility. How about it? Are you up to the task of teaching a teenager to be responsible? Try prepaid phones and Cricket’s plan to see how your family’s budget balances.

Plan a Mother Daughter Shopping Day

Frozen yogurt

Image via Wikipedia

When it comes to raising teens, it’s easy to get bogged down by everything that your teen is doing wrong or that bugs you. It might be drinking alcohol, being rebellious or maybe just being stressed over your teen driving. (Will he or she be responsible behind the wheel?)

Instead of focusing on the negative, the best thing you can do is find ways to strengthen your relationship with your teen. Doing fun things, such as a mother daughter shopping day, may be just the thing to help you become closer to your daughter.

Plan the Day Right

The first thing you’ll want to do to be sure that the day is a success is to plan it in advance and confirm with your daughter that she’s free. Be excited about the day and tell her that you’re so appreciative of having such a responsible daughter and want to show that with a day of shopping using your Tom Joyner Reach Card.

Be sensitive to her needs as well. She may not want to go to a local mall where her friends hang out if she’s embarrassed easily. If that’s the case, consider heading to a mall that’s a little further away. By not having to worry about running into friends, she’ll be more relaxed, which will make it easier for her to have fun and converse freely.

Be sure to include a treat sometime during the day, whether that’s an iced coffee, frozen yogurt or a smoothie.

Having fun activities together, such as a shopping day, on a regular basis will allow you to become closer to your teen.

 

Should You Get a Family Pet

SYDNEY, AUSTRALIA - JANUARY 28: A dog is groom...

Image by Getty Images via @daylife

Getting a family pet is a big decision. Who will take care of it? If you already have innumerable responsibilities inside and outside of the home, the thought of getting a dog, cat or a bird may make you nervous. On the other hand, seeing your friend’s dog dressed in pet costumes and witnessing your child’s excited reaction to the amusing image might make you wonder if getting a pet is not such a bad idea.

Considerations in Getting a Family Pet

While pets are not as needy as children, they do have to be fed, cared for and entertained. If you don’t want multiple litters, they have to be neutered. They will also need their shots. Clearly, pet ownership requires time and money. These considerations are often offset by the affection and laughter a pet brings into your life. Taking your son or daughter trick-or-treating accompanied by a puppy dressed in dog costumes is a treat in itself. You might decide that the time and money is well invested in owning a pet.

Kids Learn From Owning a Pet

Children and teens who own pets learn to be gentle, caring and compassionate. A small child can be taught not to pull a cat’s tail or hit a dog when angry. Opportunities exist in each moment of pet ownership to teach children lessons about caretaking, selflessness and generosity.

Getting a pet is a decision that requires extensive thought and planning. If your family has the time, energy and money to spend on a pet, then getting a pet may be one of the most memorable experiences of your life.

Explaining the PEER in Peer Pressure

Peer pressure 

Image by sillygwailo via Flickr

At no point in your child’s life will pressure to experiment with drugs or alcohol be larger than during their teen years. Even if you have made a concerted effort to raise their awareness of forthcoming pressures, there’s no way to prepare them for the real world scenario. They’re with friends, hanging out, having fun, and suddenly someone will produce a substance from their pocket or backpack. Whether you describe this scene to your child in depth or not, it will be hard for them to stand out from the crowd and pass on partaking.

 

That’s the nature of peer pressure that is never easy to explain – that one of your kid’s friends will be the one to suggest doing something that your child might not agree with. Kids like and trust their friends, so they’re far more receptive to a suggestion from them than they would be if a stranger brought up the idea. That’s why it’s called peer pressure. It’s far more common for kids to be introduced to chemical agents by their friends than by strangers.

 

The most popular substance for kids to experiment with is alcohol. That’s because it’s legal to consume; the only barrier is age. Many kids see slightly older people drinking and feel they’re mature enough to join in. These same kids may well frown upon illegal drugs of any sort. Explain to your kid that while alcohol is a legal substance, it can lead to many of the same problems that drugs help to create. Armed with this foreknowledge, your kid might be better prepared to be the one who manages to avoid peer pressure.

 

 

 

Quality clothing for your teen

If you have a young family, particularly consisting of boys, you will be all too aware at how quickly they grow out of clothes! In a matter of weeks toes are bursting through ends of sneakers and the arms of sweatshirts grip tightly at the elbow and rise at the back. If you’re on a budget you may think that buying the cheapest on offer is the best short term solution as they just grow out of them, but if you invest in a few key pieces of casual sportswear in a slightly larger size you will often find that they last for season after season and they don’t become an embarrassing hand-me-down.

 

ラバコン京都世界WORLD (1)

Image by nakagawa217 via Flickr

In fact, some “hand-me-downs” years later become valuable vintage clothing worth more than they were at the time of purchase! People pay hundreds of dollars for a rare pair of well looked after Nike Air Max. This can be a great encouragement for your boisterous teens to take care of their clothes and have pride in how they look.

 

Nike Clothes are a perfect example of a clothing range which can be mixed and matched, dressed up and down, and a range that the whole family can share. Simple, understated, high quality clothing for any age range. T-shirts stay colourful, and if they do grow a little old there is nothing more fashionable than a vintage-look t-shirt. It’s a good compromise to pick a respectable mid-range label, not many American families can afford designer threads, but a well loved and trusted brand holds respect and will stave off any negative peer pressure.

Today’s Teen and Driving While Texting

mobile phone text message 

Image via Wikipedia

What is a major cause of teen auto accidents these days?  Distracted driving – driving while text-messaging.

Texting has been proven to be much more dangerous than merely chatting via cell phone. Actually having to move fingers while looking down and simultaneous controlling the steering wheel, brake and gas pedals has proven dangerous for many.

Lane variation, weaving, and speed variability are major characteristics of teens under the influence of text messaging while driving. Interestingly enough, 79% of teen drivers do actually admit that text-messaging while driving is indeed a very dangerous behavior.

Text Messaging+Driving=Insanity

It goes without saying that today’s teens want to constantly be involved, to be in touch with everything that is going on in their worlds. They do not wish to cut themselves off from the line of network communication that a little cellular gadget affords them.  Many teens are known to sleep with their cell phones (turned on, nonetheless).  Most stash it under the pillow, so as to be able to answer any communications they may receive during the night!

Don’t text and drive, avoid accidents!

On average, most teens text FIFTY times a day.  Twenty-six percent actual ADMIT to texting while driving.  This is where your parenting skills come into play.  Your relationship with your teen, your methods of teaching and discipline, and constant coaching regarding good driving habits are all critical. As parents, you will need to set an excellent example. One study goes so far as to show that teens with parents having three or more car accidents recorded were twenty-two percent more likely to crash themselves!