Digital tools can help kids build safe money habits(BPT) - The earlier kids start learning basic financial skills, the better their financial health in the long run, according to research. When it comes to teaching kids about money, caregivers are asking for help. In fact, 32% of parents are uncomfortable speaking about finances with their own children and 46% are looking for additional resources to help encourage good financial habits, according to a Chase survey of parents across the U.S., with children aged 8–14. Traditionally, kids learn about money from shopping with adults and having related conversations. While discussions are an important part of learning about finances, online shopping has changed how kids experience spending. "Families are juggling so many more responsibilities today than ever before, so it's understandably more complicated to find opportunities to teach financial wellness to children or to find hands-on purchasing moments to talk about the value of money," said Anastasia Morgan-Gans, an executive focused on family financial health at Chase. Fortunately, new tools are helping meet the changing needs of parents and their children. For example, the free Chase First Banking account is designed to help families develop healthy financial habits by putting parents in control and giving kids and teens the freedom to learn how to earn, spend and save money. Through the Chase Mobile app, parents can assign chores and provide allowance, set amounts and locations of where kids can spend money using a debit card, and help children reach savings goals. Kids interact with the app on their end, too, checking off assigned chores when completed and seeing when their allowance is paid. They can also see how much they can spend and where, as well as their savings goals. This type of digital tool makes financial literacy discussions easier and brings family money management into the digital age, engaging kids in meaningful ways. In addition to adopting useful tools, it's important to have ongoing conversations about finances. Morgan-Gans suggests starting with some rules for a family ‘contract’ when it comes to having access to an account:
"These tools can help guide parents, so they have the confidence to teach kids about bank accounts and spending — it’s like an account with training wheels," says Morgan-Gans. As parents, one of your top priorities is the safety and well-being of your children. With all the potential pitfalls of day-to-day life, however, navigating the risks can be difficult. Here’s great advice for parents on 5 key areas of concern for babies as they grow - read the full Medium article here.
Obtaining a driver's license signals a new road to independence for teenagers. Parents often worry about their kids when they get behind the wheel of a car. What about a motorcycle? Many teens also want to hop on a bike and take off. While you may be concerned, there are steps you can take to best prepare your child to get their motorcycle license.
Motorcycle Permits
Before anyone can become a licensed driver, they usually must practice with a permit. Requirements vary from state to state, but the consensus is that applicants must at least be between 14 to 17 years old and able to pass the specified tests. The main tests include a DDS knowledge exam, a road skills test, and a vision exam. Your state may also require you to sign on your child’s behalf.
While you may not always need a permit, there are some advantages to having one. For example, holding a learning permit gives your teenager the time they need to master the skills of driving a motorcycle. Always check with your state's DMV before letting your teen hop on a bike. Training and Safety Courses
Before your teen gets on a motorcycle, it's a great idea to enroll them in a training and safety class. It's critical that they learn everything they can before embarking on their journey. Courses vary from location to location, but they typically teach the same material. Students will have classes in things such as shifting gears, navigating, and braking while enrolled in their course. Motorcycle accidents are prevalent, so always practice defensive maneuvers. With roughly 88,000 motorcycle accidents in the U.S. in 2015, it's pretty clear that riding a motorcycle can be incredibly dangerous, something that can be at least somewhat mitigated by taking training and safety courses.
Obtaining a License
Once your teenager has spent the necessary time to learn the basics of driving a motorcycle, it's time to get that license. The typical requirements are about the same as getting a permit; they'll have to be able to pass the necessary tests to prove they're competent at driving. The applicant will also have to pay a fee for their license to be valid. Once approved, their license will show "M" class, proving that they're a registered motorcycle driver.
While your teenager is learning, stress the importance of being patient. As you know, your teen always needs to be cognizant of what's happening around them. You're a great parent to help your child get that license they want so badly, so enjoy the ride. Did your teen pass their driving test? We recommend reading this article before investing in a new or used vehicle.
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For millions of school-age children in the United States, each day begins – and ends – with a bus ride. These tips provide parents with some additional measures to take and lessons to teach to increase safety going to and from the bus, and even during the ride.
School Bus Safety 101![]() (Family Features) For millions of school-age children in the United States, each day begins – and ends – with a bus ride. While the school bus is the safest way to travel to and from school, according to the National Association of Pupil Transportation (NAPT), it’s important for parents to teach their children how to stay safe in and around the school bus as obstructed views, distracted drivers and more can put kids at risk. These tips from the experts at NAPT and the Propane Education & Research Council (PERC) provide parents with some additional measures to take and lessons to teach to increase safety going to and from the bus, and even during the ride. Before the Bus Arrives
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(Family Features) It may be the most wonderful time of year, but it can also be one of the most dangerous. Along with the cooking and decorations that make the season magical, the holidays present risks for home fires and burns.
An independent survey conducted by Shriners Hospitals for Children® found that many Americans do not follow key fire and burn safety tips despite being aware of dangerous risks. For example, 25 percent of respondents reported leaving lit candles unattended, and 27 percent said they have left them in reach of children.
“Some of these findings seem alarming, but each year our burn hospitals see the unfortunate results – children who have been injured in cooking related accidents or in fires associated with holiday decorations or candles,” said Kenneth Guidera, M.D., chief medical officer for Shriners Hospitals for Children. “These injuries can mean years of ongoing treatments and extensive rehabilitation for a child. That’s why we encourage families to learn about fire safety and prevention before a tragedy occurs.”
Fire and burn hazards are prevalent in many homes throughout the holidays, and Shriners Hospitals for Children offers these tips to remind families how to stay safe:
The Shriners Hospitals locations that specialize in burn care provide critical, surgical and rehabilitative care to children with varying degrees of new and healed burns. Their state-of-the-art burn facilities are staffed and equipped to provide reconstructive and restorative surgery for healed burns, as well as treatments for various other skin conditions. With 22 locations in the U.S., Canada and Mexico, the health care system provides advanced care for children regardless of the families’ ability to pay. Learn more at shrinershospitalsforchildren.org.
Visit beburnaware.org to learn key fire safety practices to help avoid injuries this holiday season. You can find activity books, tip cards and a five-minute online quiz to help identify and eliminate potential risks.
Candle Safety for the Holidays
Candles are one of the most common sources of holiday fires. Never leave lit candles unattended and take these additional precautions to have a safe and fun holiday season:
Kids and Candles Don’t Mix
Julianna and her mother, Tracy, know firsthand how dangerous the holiday season can be. While at a family Christmas party, Julianna, just 20 months old, snuck away from the activities and was in the bathroom playing in front of the mirror. A lit tea light candle on the corner of the sink ignited her clothes.
Tracy heard Julianna’s screams from down the hall, ran to the bathroom and saw her daughter’s dress on fire. She patted out the flames and family members called an ambulance. Julianna spent three weeks at Shriners Hospitals for Children — Cincinnati to treat the third-degree burns that covered the left side of her body. Julianna, now 8-years-old, is doing well but faces ongoing treatment as she grows.
“We are very lucky,” Tracy said. “Julianna will be fine thanks to the care she received. We all get busy during this time of year, but it is so important for parents to make sure they are following basic safety tips to keep their kids safe.”
Photo courtesy of Getty Images (Fireplace with gifts)
SOURCE:(Family Features) While school safety is of the utmost importance to parents, millions of school-age children begin and end their days with a bus ride. To provide some measures for parents to help increase safety going to and from the bus and during the ride, the National Association for Pupil Transportation offers these tips.
Before the Bus Arrives
On the Bus Ride
Leaving the Bus
Join the discussion (or start one) on school districts exploring a switch from diesel buses to cleaner alternatives by downloading resources including fact sheets, videos and more at BetterOurBuses.com.
A Safe Transportation Option
Beyond teaching safety precautions around the bus, there is another option to ensure kids are transported safely to and from school each day. Many school districts are moving away from noisy, pollution-inducing and expensive diesel buses in favor of buses powered by an alternate fuel, like propane, which offers numerous benefits for school districts and their students.
Safety: Jenna Bush Hager, a teacher, author, journalist and parent of two, has partnered with the Propane Education & Research Council to educate parents and school districts about the benefits of propane school buses.
School buses powered by propane offer numerous safety advantages. Propane school buses are quieter than diesel buses when operating, making it easier for drivers to hear both inside and outside the bus. This can have a direct impact on student behavior, and many districts have reported fewer disciplinary issues as a result. An interactive audio quiz detailing the difference between the types of buses can be found at QuieterSchoolBuses.com.
“As a former teacher, I know parents often overlook how the ride to and from school can impact a child’s performance in the classroom,” Hager said. “A child’s attitude or behavior before they arrive at school can set the tone for the whole day.”
In addition, these buses meet rigorous U.S. Federal Motor Vehicle Safety Standards and each is equipped with an automatic shut-off feature that prevents fuel flow to the engine when not running.
Another safety consideration is the health implications of older diesel buses. The shorter height of younger students can put them face-to-face with a black cloud of diesel smoke every school day. With propane buses, however, students aren’t exposed to the harmful particulate matter in diesel exhaust, which is known to aggravate asthma and has been identified by the World Health Organization as a carcinogen. However, “low-NOx” propane engines are 75 percent cleaner than current federal emissions standards require.
Savings: Not only is propane consistently less expensive than diesel fuel, the buses themselves don’t require the same expensive repairs and replacement parts that today’s modern diesel buses demand. Saving money on transportation costs puts schools in a better position to appropriate budget toward meeting students’ needs in the classroom and other areas, such as fine arts and athletic programs.
Photo courtesy of Getty Images (Child hugging mother, two students on bus)
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