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:

1. I will spend responsibly and discuss what are acceptable purchases with my parent
2. I will make a savings goal, discuss it with my parent, and work toward it
3. I will not use my debit card on websites or at stores my parent does not approve of
4. I will always keep my card in a safe place and discuss the best place to keep it with my parent
5. I will not share my PIN number or account number with anyone
6. I will not post pictures of my card or app on social media or share them with my friends
7. I will never go to an ATM alone and will only use ATMs inside a bank

"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.

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

• Ensure backpacks are packed securely so papers and other items don’t scatter as the bus approaches.
• Create a morning routine that puts kids at the bus stop five minutes before the scheduled pickup time. This helps avoid a last-minute rush, when safety lessons are easily forgotten, and ensures kids are safely in place for boarding.
• Encourage children to wear bright, contrasting colors so they can be seen easier by drivers.
• Walk young children to the bus stop or encourage kids to walk in groups. There is safety in numbers; groups are easier for drivers to see.
• If kids must cross a street, driveway or alley, remind them to stop and look both ways before crossing.
• Verify the bus stop location offers good visibility for the bus driver; if changes are needed, talk with nearby homeowners or school district officials to implement changes. Never let kids wait in a house or car, where the driver may miss seeing them approach the bus.
• Remind children that the bus stop is not a playground. Balls or other toys could roll into the street and horseplay can result in someone falling into the path of oncoming traffic.
• Instruct children to stay at least three steps away from the road and allow the bus to come to a complete stop before approaching it.

On the Bus Ride

• When boarding the bus, items can get bumped and dropped. Caution children that before picking anything up, they should talk to the driver and follow instructions to safely retrieve their possessions.
• Teach safe riding habits: stay seated with head, hands and feet inside at all times; keep bags and books out of the aisle and remain seated until the bus stops moving.
• Instruct children to never throw things on the bus or out the windows and to never play with or block emergency exits.
• Remind kids that just like when riding in a car, loud noises are off limits so they don’t distract the driver. That includes cellphones and other electronic devices; instruct children to put them on mute or use headphones.

Leaving the Bus

• Remind children to look before stepping off the bus. If they must cross the street, teach them to do so in front of the bus by taking five big steps (approximately 10 feet) away from the front of the bus, looking up and waiting for the driver to signal that it is safe.
• For parents who meet their kids at the bus, remember that in their excitement kids may dart across the street. Eliminate the risk by waiting on the side of the street where kids exit the bus.
• Make the bus ride part of your daily “how was school?” discussion. Encourage kids to talk about the things they see and hear on the bus so you can discuss appropriate behaviors and, if necessary, report any concerns to school administrators. As bullying is prevalent and buses are no exception, ask your child to tell you about any bullying they observe, whether against another child or themselves, and talk about how to shut down bully behaviors.

For more information and additional school bus safety tips, visit BetterOurBuses.com.

An Alternate Form of Transportation

Many school districts are moving away from diesel buses in favor of buses powered by an alternate fuel, like propane, which offers numerous benefits for school districts and their students.

In fact, school buses powered by propane transport approximately 928,000 students to and from school every day at more than 840 public and private school districts in 48 states, according to a vehicle registration report compiled by PERC using IHS Polk new vehicle registration data.

“There’s a lot to like about propane school buses for community stakeholders and school officials, and school districts across the nation continue to take notice,” said Michael Taylor, PERC director of autogas business development. “Compared to other fuels, propane school buses are quieter and offer reduced emissions. Plus, they cost less for the district to operate, so schools can put more money back into the classroom where it helps students most.”

Safety
Among the numerous safety advantages propane school buses provide, engines powered by propane are noticeably quieter than diesel engines, which can help ensure a safe ride. Plus, just like all buses, propane buses are crash tested to ensure they meet U.S. Federal Motor Vehicle Safety Standards for side and rear impact. In addition, an automatic shut-off valve prevents the flow of fuel to the engine when it’s not running, even if the ignition is turned on.

Cleanliness
The World Health Organization and the Environmental Protection Agency have identified diesel engine exhaust as a carcinogen, which can cause short- and long-term health effects. With the emergence of alternative fuels like propane, which provides a clean emissions profile compared with diesel and gasoline buses, there is decreased risk of exposing young passengers to harmful particulate matter that can be found in the exhaust in older diesel buses, which can escalate breathing-related issues and aggravate asthma.

Cost-Effectiveness
Financially, propane buses provide school districts with the lowest total cost-of-ownership compared to other fuel types, according to PERC. Even as gas prices continue to fluctuate across the country, propane consistently costs less per gallon than diesel and gasoline, by as much as 50 percent, which saves districts significant money on fuel costs. They also require less maintenance over the lifetime of the vehicle, saving additional money on upkeep. Savings on transportation can help keep more money in the classroom helping students learn.

Start a discussion with your children’s school district about exploring a switch from diesel buses to cleaner alternatives by first downloading resources including fact sheets, videos, a toolkit and more at BetterOurBuses.com.

Photo Courtesy of Getty Images (Bus driver with girl, Two girls talking on bus)

Tips for Family Safety

How to keep your busy, adventurous family safe

(Family Features) Families are seemingly always on the go. From soccer games and school trips to excursions with friends and vacations with the family, people are constantly on the move, exploring new places and experiencing new things.

In fact, a study by Sfara shows that kids today are using public transportation, going on field trips and taking long-distance road trips at much younger ages compared to 30 years ago. As exciting as these new opportunities can be, it’s equally as important to make sure families – and kids – stay safe and protected at home and on the go.

AROUND THE HOUSE

Know your neighbors
Whether you live in an apartment building, cul-de-sac or the countryside, make it a point to get to know your neighbors. Building these relationships isn’t only neighborly, but can help keep you safe. Not only can you have a stronger community of people to lean on for small crises, like borrowing forgotten ingredients, and larger emergencies, such as weather-related disasters, but you’ll also have a better understanding of your surroundings.

Help in an instant
While security systems deliver some peace of mind, they’re not always fool-proof, and they also aren’t transferable to the office, school or your summer getaway. Always on and always available, an app such as Sfara Guardian can help keep you and your family safe, no matter where you are. By just triple-tapping your phone, even while it’s in your pocket, the app connects you to a live emergency manager who can provide the help you need. If you’re unable to respond, it will dispatch local responders to your exact location immediately.

Accessibility
While baby-proofing starts in your children’s earliest years, limiting their access to certain areas or items is important throughout their childhoods. When you have a young child, locks on cabinets and gates across steps may be your focus when it comes to home safety. As kids get older, ensure they do not have unsupervised access to dangerous items like cleaning supplies, prescription medicine or kitchen knives. Make sure to also have open conversations with kids about the dangers of seemingly safe home products so they are equipped to make appropriate choices outside the home.

Fire safety
Take the time to ensure your home is properly equipped in case of fire. Check that you have working fire extinguishers and that windows and fire escapes are not blocked by heavy furniture or other objects. Be sure everyone in your family knows the plan in case of a fire or similar emergency at home, and is aware of how to contact help, if needed.

AWAY FROM HOME

Tools to take on the road
In the past, families brought the essentials with them when on the go – a first aid kit, snacks and water bottles. Now, in addition to the basics, make sure you add modern essentials to your packing list when you’re away from home, whether you’re going on a day trip or a long vacation. Carry a portable phone charger in your bag or in your car to ensure you can always connect to family, call for help if needed or just use your phone’s flashlight in case of a blackout.

Help on-the-go
Today, virtually everything is available at your fingertips, right through a smartphone. Now, safety is that accessible, too. Apps, like Sfara Guardian, can connect you to live experts who can help you in virtually any kind of situation. For example, if you’ve been in an accident, the app can detect you need help and send local responders even if you can’t speak. Learn more at sfara.com.

Stranger danger
When in public, be hyper-aware of your surroundings and the people around you. Talk with your kids about how they should respond if they are approached by a stranger. It’s a good idea to practice at home so your child feels comfortable giving an emphatic “no” if the need arises. If you’ll be at a crowded location where you may become separated, use your phone to take a photo of your child so you have a current photo and clothing description ready if the unthinkable happens.

Driving Safely
Most families spend an ample part of every day in their vehicles, between transport to school, activities, work and various errands. Keeping everyone safe is easier than ever with a slew of safety features that are increasingly available, either straight from the factory or as add-ons to your in-car experience.

Advanced Navigation: While built-in navigation systems in cars may just seem like an added convenience, they are also a key safety feature. Navigation systems offer easy access to directions and points of interest on the road, which can help eliminate distractions and reduce the possibility of accidents. Features like voice control can make navigation hands-free and allow you to concentrate on the road.

Smartphone Crash Detection: Today, the technology in your pocket is often more advanced than the cars you drive or ride in. Apps like Sfara Guardian can detect a car crash or incident and dispatch help. Because the technology is on the phone, it works whether you are the driver or passenger and in your car or someone else’s. Roadside assistance has a modern twist, too. If you need help with a flat or a tow, you can request service on your app and map the driver in real-time as he or she heads your way.

Lock Controls: In some vehicles, an adjustable setting allows you to control which car doors unlock depending on which door you open first or how many times you press the unlock button. This feature can allow a driver to safely enter the car on the driver’s side without unlocking other doors and potentially giving access to an intruder. Similar controls can keep mischievous kids from pushing buttons in the back and unlocking or opening rear doors or windows without your knowledge.

Photos courtesy of Getty Images

Simple Seasonal Safety Tips

Limit your home fire risk during the holidays

(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:

• Never leave lit candles unattended. If you must use flame-burning candles, make sure to extinguish them when you leave the room.
• When cooking, turn pot handles toward the back of the stove, out of the reach of children.
• Never leave a hot stove or oven unattended.
• While cooking, keep a lid or cookie sheet nearby to cover a pan if its contents catch fire.
• If you decorate using a live, fresh-cut Christmas tree, water it daily.
• Keep trees and other flammable decor at least 3 feet away from heaters and flames.
• Discard decorative lights with bare wires, frays or kinks.
• Make sure your home is equipped with working smoke alarms and fire extinguishers.
• Have an escape plan in case of a fire and practice it with your family members so they know how to react if a fire does occur.
• Know the burn care resources in your community.

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:

• When candles are lit, make sure they are in stable holders and placed where they cannot be easily knocked over.

• Keep candles, matches and lighters out of reach of children.

• Be conscious of nearby surroundings. Never place a candle near drapery, decorations or other flammable items that may easily catch fire. Also avoid drafty areas or fans, which can accelerate flames or accidentally blow a flammable item onto a candle.

• Know that the safest way to extinguish a candle is with a snuffer.

• Consider using wickless or flameless candles. There are numerous options that cast a warm glow so you can enjoy the ambiance of a candle without the risk.

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)

Ride Safe

Bus safety tips for back-to-school

(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

• Ensure backpacks are packed securely so papers and other items don’t scatter as the bus approaches.

• Create a morning routine that puts kids at the bus stop five minutes before the scheduled pickup time. This helps avoid a last-minute rush, when safety lessons are easily forgotten, and ensures kids are safely in place for boarding.

• Encourage children to wear bright, contrasting colors so they can be seen easier by drivers.

• Walk young children to the bus stop or encourage kids to walk in groups. There is safety in numbers; groups are easier for drivers to see.

• Instruct children to walk on the sidewalk. If there is no sidewalk, advise them to stay out of the street, walk single-file, face traffic and stay as close to the edge of the road as possible.

• If kids must cross a street, driveway or alley, remind them to stop and look both ways before crossing.

• Verify that the bus stop location offers good visibility for the bus driver; if changes are needed, talk with nearby homeowners or school district officials to implement changes. Never let kids wait in a house or car, where the driver may miss seeing them approach the bus.

• Remind children that the bus stop is not a playground. Balls or other toys can roll into the street and horseplay could result in falling into the path of oncoming traffic.

• Instruct children to stay at least three steps away from the road and allow the bus to come to a complete stop before approaching it.

On the Bus Ride

• When boarding the bus, items can get bumped and dropped. Caution children that before picking anything up, they should talk to the driver and follow instructions to safely retrieve their possessions.

• Teach safe riding habits: stay seated with head, hands and feet inside at all times; use a seatbelt (if available); keep bags and books out of the aisle and remain seated until the bus stops moving. Also instruct children to never throw things on the bus or out the windows and to never play with or block the emergency exits.

• Remind kids that yelling and other loud noises are off limits as they could distract the driver.

• If cell phones and other electronic devices are permitted, instruct children to mute the sound or use headphones so as not to create a distraction for the driver or other riders.

Leaving the Bus

• Remind children to look before stepping off the bus. If they must cross the street, teach them to do so in front of the bus by taking five big steps from the front of the bus, making eye contact with the driver and waiting for the signal that it is safe to begin crossing.

• For parents who meet their kids at the bus stop, remember that in their excitement kids may dart across the street. Eliminate the risk by waiting on the side of the street where kids exit the bus.

• Make the bus ride part of your daily “how was school?” discussion. Encourage kids to talk about the things they see and hear on the bus so you can discuss appropriate behaviors and, if necessary, report any concerns to school administrators.

Discuss 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)