It is quite common to see children actively involved in the family business. Even young children can perform valuable services. Many business owners, however, miss out on the major tax savings generated by actually hiring their children and paying them a fair wage for their services.

The expense is tax-deductible to you, and the income is tax-free to them. [Reg Sec 1.162-7(a) ] The tax-free limit for dependent children was $5,350 per child per year for 2007, and it tends to be increased somewhat each year. The amount is equal to the Standard Deduction.

[Rev. Proc. 95-53 and IRC Section § 63(h)(2) ]

In order to qualify, the wages must be reasonable in amount, based on services actually rendered and documented as paid. Children as young as seven years old have been found to qualify as employees of the parents’ business. [Reference Eller v. Commissioner, 77 T.C. 934 (1981) ]

And if they are family members under 18 working for a sole proprietorship, they are exempt from payroll taxes [IRC Section § 3121(b)(3)(A) and § 3306(c)(5) ] and the business is not required to withhold or to pay Social Security and Medicare taxes. [Tax Court Ruling 48 TC 439, 450 (196) in the case of Denman v. IRS Commissioner]

For incorporated business owners, your corporation will have to pay payroll tax and you do need to withhold social security/medicare from the children’s wages, but the benefits are still well worth it.

In order to qualify, the wage rate has to be “reasonable and customary” within your region of the country and within your industry for the type of work being performed. These wages must be paid and the appropriate payroll tax returns and W-2 forms filed with the IRS and Social Security Administration. Before hiring your children, check with your tax pro to be sure your documentation and reporting will follow the rules. [Revenue Ruling 73-393]

The kids (as employees) should document what they did to earn the money, [Revenue Ruling 73-393] so have them fill out a simple “work log” with headings like:
o Date they worked
o Type of work performed
o Amount of time spent working
o Hourly rate you paid them

** Pay Attention Here **
We’re about to show you how to pay for…
o The car your high-schooler wants
o Designer-label clothes the kids demand
o Movie and Concert tickets
o A High School graduation trip
o College tuition, books and supplies
o Your daughter’s expensive wedding
o And lots of other personal out-of-pocket expenses

ALL in PRE-TAX Dollars!

Here’s how you can do this…

The tax-deductible $5,350/year Uncle Sam lets you pay your children as employees, is equivalent to about $100.00 per week! But, you say, “Who gives their kids a $100.00 per week allowance?” YOU might now! And here’s why…

Let’s say you come up with the tax-free limit of about $100.00 per week worth of business related “chores” for them to do. After they turn in their “work log”, you then pay them by check. So, you’ll have to open a separate checking account for them to deposit and cash payroll checks. Of course, you will deposit every week’s $100.00 paycheck into that account. Make sure it’s an interest-bearing account. (You will see why in a minute.)

The bank will require it to be a “joint account” with you, since they are minors. Although it is technically a “joint” account, only you will be authorized to make withdrawals or to write checks on that account, since the child is a minor.

Reader Alert! Here is Where It Gets REALLY Interesting…

The law requires you to pay them the wage they earned, in order for you to be able to deduct the amount as a business expense.

These funds can now be used in a variety of ways so long as they are for the benefit of your child. The only other specific restriction is that this money cannot be used for your child’s lodging or meals. [Rev. Rule 73-393]

So, you simply tell your child, “I will withdraw $10 (for example) out of each week’s pay for you to spend any way you wish, however, the other $90.00 will stay in the (interest-bearing) account to be used by you to pay for your________.”

Fill in the blank with words like car, graduation trip, wedding, or whatever you like.

Did you ever, in your wildest dreams, anticipate that you would be able to pay for school supplies and tennis shoes, or pay for cars, trips, and weddings out of pre-tax dollars? It’s true! It’s real! And it’s 100% legal!

There’s another practical benefit to this strategy that is at least as important as the tax benefits. Your child/children will begin learning the value of a dollar. Imagine being at the mall to buy a new pair of shoes. The child has to decide whether he or she wants the $150 designer-label brand or the $45 generic brand – knowing that whatever they have left in their checking/savings account will be theirs someday, to pay for their car, trip, college, wedding, etc.

Isn’t that a great tax-savings strategy and a great learning opportunity for your children?

Next – Hire Your SPOUSE, So You Can Write Off Medical “Out-of-Pocket” Expenses for YOURSELF!

This applies to sole proprietor entities only. When your spouse is an employee of your home-business, he/she is eligible for “benefits” from his/her employer (that’s you), and those benefits are deductible as business expenses. [IRC Section § 162(a)]

So you establish this benefit as company policy: Any and all employees and their family members (again, that includes YOU) will be reimbursed (by the home-business) for all medical-related expenses not covered under any other insurance plan he/she may have under another employer.

“Any and all employees” means your spouse and your children, “and all members of their family” includes YOU.

A Word of Caution: Only establish this company policy if your business will be hiring only your own family members. If you establish this policy and then hire non-family members, you will be required to offer this benefit to them as well, and that could defeat the purpose.

So What Just Happened?
You just set into place a strategy for legally tax-deducting all annual insurance plan deductibles, co-pays for doctor visits, prescription drugs, and non-covered expenses like braces, glasses, contact lenses, dental work, and possibly even cosmetic surgery. [Reg Sec 71-588; Plr. 9409006]

No minimum thresholds apply; every single dollar is tax-deductible by the business as an employee benefit cost.

It is important that this “policy” be established in writing, as a legal document and that the benefit is reasonable in relation to the level of services provided by the employee to your business. In Appendix C to this system you will find a sample fill-in-the-blanks “Self-Insured Medical Reimbursement Plan”, which you may feel free to adopt or adapt, if you wish. [Reg Sec 1.105-5(a)]

A Word About the Level of Your Spouse’s Wages

A sole practitioner (Schedule C taxpayer) is not required to pay Unemployment Taxes on the employment of a spouse; however the business is required to pay Social Security and Medicare payroll taxes on adult family-member employees.

Since those taxes are calculated based on a percentage of the employee’s wages, the lower the wage level, the lower the payroll taxes will be. Even if you employ your spouse at “minimum wage”, you qualify to use this medical expense reimbursement tax strategy, so long as this benefit is reasonable in relation to the level of services provided by your spouse. [IRC Section § 3306(c)(5); IRS Publication 15, and IRS Circular E all apply]

URL: http://www.recordsinorder.com/
Scott C Turner, CPA Mission, Path and Today’s Focus

Life Mission: His mission has always been to find a better, more affordable method for the average to above-average smaller business owner to successfully access a higher level of tax strategy service that formerly could only have been obtained by the wealthier and more-informed business owner.

The Path: He was aggressively recruited upon graduation in 1978 by each of the “Big-8″ accounting firms. He accepted an offer from Main LaFrentz, the ninth largest CPA firm worldwide at the time, an affiliate of KPMG, the largest international accounting firm, where he immediately specialized in small business taxation – a specialty in which he has remained focused to this day.

Scott Turner is the former Director of Tax Consultation Services for the nation’s second largest employee benefits provider, serving more than 10 million taxpayers. This service provided an in-depth view of individual and business questions faced by today’s smaller business owners.

Today’s Focus: Use the latest technological advances to relieve business owners in reporting their financial and tax data, to establish their best legal tax position, to implement the most updated and appropriate tax strategies, and to provide for them the information they need for management decisions.

He currently manages his firm in the SF Bay Area having represented thousands of small business clients; while staying focused on his specialty for over 25 years – Strategizing for Small Business to achieve their best overall tax results. Though the majority of the clientele he has served consists of average to above-average smaller business owners, other notables include several highly successful health professionals, multi-millionaire real estate investors, authors, and highly-regarded Silicon Valley business consultants.

With eagerness he looks forward to assisting in the success of his next small business client.

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

The “panicking” of parents upon learning about their child’s situation can be attributed to some common misconceptions in dealing with special needs children. These misconceptions lead to the thought that there is no bright future for special needs children. Unless these myths are fully understood and corrected, parents will never know that special needs children will still reach their full potentials. Here are the top 3 common special child misconceptions and the truth about them:

* Parenting and teaching a special child will take away all your happiness and replace it with difficulties.
* This may be true to some persons who don’t love the child at all – but does this type of person exist? How can parents not love their own child no matter what his needs are? Parenting and teaching a special child is not a reason to be unhappy. It is all in the attitude! Rearing a child with special needs doesn’t take away your happiness. You may be unhappy but it’s your choice. You can choose to be happy and satisfied caring and teaching your special child. Rather than letting yourself be imprisoned by the situation, be in control. Plan exciting activities that will help you enjoy at the same time leave an effective learning experience to your child. Special needs children will never reach their full potential.
* This is another myth. Just like any other children, special needs children can reach their full potential. They can learn to speak, read, and interact with other people. They have the ability to live a happy, satisfied and complete life. But they won’t be able to achieve these on their own. They need guidance and proper teaching for them to be the best person that they could be. You should not be the judge of your child’s potential. Let him explore and learn. There are several education materials that cater to teaching special needs children reach their full potential. Nobody understands the difficulties of parenting and teaching special needs children.
No two persons are the same. The individual difference theory is true but it doesn’t apply to situations. You may be facing the challenge of parenting or teaching differently abled children but you are not alone. Many other parents or teachers have been through the same situation. The only thing that differs is the way people handle special situations like this. There are even foundations and organizations that cater to helping parents and teachers cope up with the challenge of teaching and parenting children with special needs.

Parenting and teaching special needs children is an easy task if you know how to handle the situation. Don’t panic! Know what is true and what is not. Don’t judge a situation based on pure misconceptions. As long as you know what to do, parenting and teaching children with special needs will be a satisfying and fulfilling experience.

POPS Resources provides books, games and teaching materials for special needs and differently abled children. These teaching resources aim to help special needs children reach their full potential. For more information on how to foster the unique potential of your child, please visit POPS Special Needs Resources

Article Source: http://EzineArticles.com/?expert=Monica_Corral-lorica

1) Be a Role Model – The way parents spend money and the way children view money has a significant correlation. Consider discussing the family’s financial goals and plans with the children. How much you share is to your discretion, but include the younger generation in at least a portion of the monthly management. How parents deal with money issues, from the monthly bills to planning family vacations can be important in teaching the children money management and the value of money.

2) Encourage Savings and Investments – To encourage children to save money is one of the simplest ways to encourage a responsible attitude about money. This could include designating a portion of a child’s allowance to a saving account, or making gifts of cash directly to an account in their name. Parents can discuss the account statements with the children and introduce the concept ” paying yourself first”.

3) Develop a Sense of Financial Empowerment – It is important that parents develop responsible spending habits by well thought-out choices. In order to guide and direct rather than dictate the savings and spending. Take children on window-shopping trips to compare prices and products and adopt the mind set that every trip to a store is an exercise leading to a potential purchase. For example, consider limiting impulse buying by implementing a rule that prices and products are compared at a minimum of three locations.

4) Give Unto Others – Involve children in the financial decisions regarding philanthropy. By helping children contribute time or money to a charitable cause, it can teach them that money is important in ways others than personal consumption.

Reference: Matthew P. Bartolomei, Financial Advisor http://www.fa.smithbarney.com/mattbartolomei/index.htm

NOTE: you can freely redistribute this resource, electronically or in print, provided you leave the authors contact information below intact.

About the Author: Janie Lacy is a Mental Health Counselor who has a passion to reach out and help people grow and mature through difficult life situations. Janie has invested in the lives of others through public speaking, leadership training, educational instruction and small group ministry. Janie received her Masters of Science degree in Counseling Psychology through Palm Beach Atlantic University and her Bachelors of Science degree in Business Administration from the University of Central Florida, specializing in management. Her professional affiliations are with the American Counseling Association, the American Association of Christian Counselors, and the Florida Mental Health Counselors Association. For More Information please call (407) 248-0030 or go to our website at http://www.totallifecounseling.com/

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Tip #1: Keep Yourself Motivated.
Think back to when you were a child. If your teacher was not enthusiastic about what he or she had scheduled for class that day, how did you feel about it? It’s the same with young children today. If you, the teacher and often a role model for younger children, think this is a neat activity, then they will too!

Tip #2: Encourage.
Young kids thrive on praise and positive attention from the adults in their lives. If you want them to like you and be motivated in your class, you often just need to give them a lot of positive attention.

Tip #3: Play Games
Children learn through play. Oftentimes they don’t even realize they are learning if they are enjoying the game. Just think, children could sit there and fill out worksheet after worksheet or they could play an English game and learn the same concepts. Which would you rather do?

When I say English games I’m talking about games that are specifically designed to teach language and vocabulary. For example, you could turn using vehicle vocabulary into a relay game where children need to pick a card with a word and then run to a box of vehicles (or a stack of pictures of vehicles) and bring the correct one his or her classmates.

Here is another example: If you might normally give them a worksheet to write the correct verb next to the picture illustrating the action, have them instead practice their verbs by doing the action for the word you say or the word on a card that you hold up. Likewise, you could do the action and have them write down the word. You may access free samples of fun classroom games in the resource box below.

When you play games, you can use points and competition as a motivator, but not for kids under six who may find the competition too stressful. For them, just playing the game is motivating enough. You can also sometimes award extra credit, but use it sparingly so that it remains “extra” and a special reward. Also if you use it too much, children can have so much extra credit that it sways the actual grades too much.

Tip #4: Get Their Hands Dirty
Literally and figuratively. Children like to work with their hands and whatever you can do to get the items they are learning about in their hands is useful and fun for them. This can be anything from having a sensory table filled with sand and beach items when you want to teach them summer words to having them each bring in a piece of fruit when you are teaching fruit words. Anytime you can get young children up and doing instead of listening (often passively) you are getting their hands dirty in the learning process.

Tip #5: Get Them Moving.
Movement is a vital component to motivating children. The best way to prevent children from zoning out is to get them up out of their seats at least once each class period. Even if you just require them to come up to you instead of you going to them for help, the movement can help get them out of the trance that they sometimes get from sitting in one spot too long. Grouping the children for study projects and activities helps as well. If you can, let them move the desks around or sit on the floor to change things up as well. Many games involve movement without the children needing to leave their seats, such as miming, moving certain body parts and passing things around as part of a game or race. Therefore even teachers with large classes and no space to move can use this technique, albeit to a more limited degree.

Tip #6: Vary the Pace
Alternate calm games with lively ones to keep the children alert and motivated, but without letting the class get out of hand. Good discipline is essential to effective learning.

To read the full article on how to motivate children to want to learn English, please see the articles and tips section on the http://www.teachingenglishgames.com website in the resource box below.

Shelley Vernon has helped 1000s of teachers be an inspiration to their pupils and achieve results 2x as fast. Improve the effectiveness of your lessons by up to 80%. Receive free English language games now on http://www.teachingenglishgames.com The full article is on how to motivate children to learn is on http://www.teachingenglishgames.com/dirindex.htm

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Luckily, there may actually be a way that you can help your children to prepare for the future today; by encouraging them to start saving money while they’re young, you can set up habits that will follow them into adulthood and possibly even help them to build up a nest egg to help them along their way.

Children and Money

Children like money… after all, it’s used to buy the things that they enjoy and it’s so hard for them to get. Even small amounts of money seem huge to a small child. That said, children tend to like instant gratification of their wants and desires, so whatever toy or piece of candy that they might want is very likely to be purchased should they be able to afford it. The key to helping your children to save money is to get them to realize that better things can come along if they save the money that they have for a later day.

Rewards and Encouragement

The easiest way to get your children used to the idea of saving money is to offer up a rewards system when they manage to save some of their allowance or other money. Perhaps you’d offer to give them a little bit of extra money after they save up a certain amount, or tell them that you’ll pay a portion of the cost for something that they want if they can save up the rest of the amount. You should also periodically ask them how much they have saved up, offering them encouragements for a job well done when they start to build a little bit of savings.

Don’t Send Mixed Signals

However you choose to encourage your children to save money, it’s important that you stay consistent with what you tell them. Don’t tell them that they’re saving their money so that they can get the more expensive things that they want later only to punish them when they spend it on something that they’ve been saving for. Make sure that they understand that it’s their money and that they can do whatever they like with it, but if they continue to save it then they’re more likely to be able to reap the rewards of it at a later time.

Savings Accounts

After your children have gotten the hang of saving money, you might want to get them a savings account. Make sure that they go with you so that they can be a part of the process… after all, it’s their first bank account. It can help a child to feel confident about savings knowing that they’re doing a “grown up” thing like opening a bank account. You should also take them with you whenever a deposit is going to be made, so that they can personally give the teller the money and continue the “grown up” feel of banking.

Though it may just be them thinking that they’re more mature than they are, the positive feelings associated with depositing the money will likely carry over to later life and help to reinforce the habit of saving money long after they’ve gone out into the world as an adult.

Paul Parker writes finance and loan articles for the UK Loans Only website at www.ukloansonly.co.uk [http://www.ukloansonly.co.uk/]

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

A. Does your environment provide the same language you and your partner speak ? This will mean you will have to invest a lot of effort to expose your child to another language.

B. Or is the dominant language of your environment (language of the country/school/nursery) different from yours ? In that case you will be faced with relatively low effort. Below is a summary of key challenges and recommendations for the high effort scenario.

Monolingual parents in a same-language environment (e.g. English speaking parents in an English speaking country)

You are speaking your native language to your child(ren) and the environment you live in surrounds your children with that same language as well. Your environment does not help you with your goal to bring your children up bi-lingually, all the effort will have to come from you.

Parental Effort Required for Bilingual Children: High Effort

Special Challenges: Enough second language exposure in your children’s life.

Special Advice: Find others in the same boat and tackle the project together.

Parental Effort:

Your children are spending all their time in one language, be it in the environment (school/friends) or at home. In order to give your children the gift of bilingualism you have to “adopt” a new language into your DAILY life. For your children to eventually become fluent in a language, they need to have regular, continuous exposure to it – a 1 hour/week language club alone is not enough (although this would be a start and could be the basis for a later increase in exposure). If you aim for bilingualism, i.e. sophisticated language skills – as opposed to basic skills – your children should be exposed to the language for at least 1 hour a day. As the environment does not help you, all the effort will have to come from you – but it will be worth it ! You need to find enough language opportunities for your children which they can enjoy (personal interactions and media), plan trips to the country, show an interest/respect in the people from the country and maybe learn the language yourself. A good idea is to join or start a support group to surround yourself by others in a similar situation who can encourage you along the way.

Special Challenges:

You need to be very organised and maybe also creative to keep enough exposure to the 2nd language in your life, as all language input will come from third parties. Your children might already have a full calendar of after-school activities and you might have budget restrictions which don’t allow you to add more classes/courses or tutors.

From a motivational perspective your challenge is to make the exposure to the new language fun and enjoyable for your children rather than a chore. This can be done by choosing the right quality with the help of a good support network and by varying the type of language resource you choose.

Special Advice:

1. Get support: Join a support network and find other families in the same situation. Teaming up with others in the same situation makes your job much easier. Not only do you have others to share your experiences and challenges with, you can also bring together enough children to start new clubs/courses. You can swap materials to keep the language input new and interesting without spending more money. Your children might also find it more fun and less daunting to see other children with similar background in the same situation. A support network can get you in touch with equally committed families and save you the job of having to find new language opportunities by phoning around.

2. Build your own resource library. Start collecting ideas and sources for language resources which can help you create extra exposure of your children to the second language, e.g. media (TV, DVD, books, music, and interactive computer games). You can find a selection of resources online at the Multilingual Network.

3. If you can, read to your children in the second language. You can read books in a second language to your child – provided your language skills are good enough. This is a great way to extend vocabulary.

4. Nourish and build your children’s pride in making the effort to learn another language. Mono-lingual peers (and their parents) might not understand your motivation to exposing your child to a foreign language. Their comments might make you/your children unsure of whether it is all worth it. General advice: never take advice from someone on something, unless they have done it successfully themselves ! Surround yourself with people who are positive and supportive rather than holding you back. As your children’s school/peers might not reward/recognise your child’s new skills, you should praise your child lots and highlight to your children regularly how wonderful they are being able to speak in two languages, keeping friendships with children from different countries etc. Don’t take it for granted, talk about it!

Silke Rehman is a co-active life coach specializing in helping powerful women, who dream of making a real difference in this world. She coaches because she loves seeing her clients grow and achieve things they did not think were possible. Silke shares her thoughts and expertise with the world at http://www.developandgrow.com and you can buy her book “Make Your Child Multilingual!” here Raising Bilingual & Multilingual Children

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A popular but unfortunate option is not telling your children about the money. This is denial. If you set a precedent of not talking about financial matters now, your children will have little hope for financial literacy in the future. A less common approach is to turn over the accounts wholesale. This is setting your children up for failure. Instead we need a reasonable plan.

I suggest making it a family affair. It is their money, but they need assistance and probably should keep the checkbooks with you for safekeeping at first (read: until graduation!). Sit down with your children and show them the monthly statements, explaining how you built up the accounts over the years so you could assist them in starting their adult lives.

College can represent a dry run for both parties: parents are learning how to pass on wealth to their children who are learning how to leverage that legacy. College tuition is usually the first step. Have your children write the checks to the college treasurer. The first day of classes will take on new meaning when they think of how much money they are spending to be there. Also, have them set up their own checking accounts. Help them develop a budget for living expenses and write one check from their custodial accounts to their checking accounts. I know, they will probably overspend and come to you for more money. This is a golden opportunity to teach them about living within one’s means. We learn from our mistakes, so let your children make some on their own. Better now than later.

The point is that both parents and children are learning something here. If you can talk to your children about their custodial accounts, you will be able to talk about passing on your legacy later in life. Transferring wealth in the future will be easier if you have imparted your financial values and are confident about your children’s money management skills. Think of it as training wheels for an inheritance later in life: teach your children to do a good job and their training wheels eventually come off. Do a bad job and your legacy may end up in a generation skipping trust!

Lee Munson, CFP®, CFA

Lee Munson is the Chief Investment Officer of Portfolio, LLC. He lives in Albuquerque with his wife Alison. They are expecting their first child this year. He can be reached at lee@portfoliollc.com or through the firm’s website at http://www.portfoliollc.com

Lee E. Munson has a significant and salient background in the financial services industry. Early in his career on Wall Street, Lee worked with both high net worth personal accounts and institutional clients. After four years he returned to his home in New Mexico, where he focused exclusively on wealth management. Lee’s conspicuous success, acumen, and client satisfaction lead inevitably to the formation of Portfolio, LLC a company that reflects his informed expertise and proven method. Mr. Munson is a graduate of the prestigious St. John’s College in Santa Fe and has the uncommon distinction of holding both the Certified Financial Planner and Chartered Financial Analyst designations. He is also Secretary of the New Mexico Estate Planning Council and a board member of the Financial Planning Association of New Mexico.

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Studies have shown that forcing your child not to do a particular thing can have adverse effects. Children cannot be ‘tamed’ by force. We must understand this. If parents keep on trying to discipline their children, the expected results would never come.

This does not mean that parents should not do anything about their children if they do no study properly. There always is a middle way. Online Tutoring is perhaps a smart approach to educating children without alienating them. Parents, instead of shouting at their children, should embrace the power of the Internet. Let’s face it, children love surfing the Internet. Ask them and they would have a sea of information at their disposal about social networking, instant messaging, and technology.

Children love making friends online. Why not then connect them with experienced online tutors specializing in online math tutoring, homework help or even assignment help? If utilized properly, online tutoring can deliver great results. It is all about extracting the best out of technology and education to provide kids with right mentoring.

Children should not feel burdened while learning math or science online. Tutors should exhibit patience while teaching kids over the World Wide Web. Generally, an online tutoring session lasts for an hour. Hence, tutors should ensure that they make the most out of every session.

Accept it or not, children prefer a friend over a teacher. Online tutors, therefore, should try developing a friendly rapport with their students. The purpose of online tutoring is not to help children solve a few problems. It is more about helping the child apply those concepts in real life. After all, education is of no use if it cannot be applied to our day-to-day life.

Children have an amazing sense of humor. They love to laugh. They love to play. Using games, toys, eatables, and stories to teach them is therefore quite productive. Coming back to the media habits of children, parents should encourage their children to use the Internet to enrich their general knowledge. Online Games are not always bad. There are many games available on the Internet that can really try the IQ of children.

Try teaching a child how to subtract 3 from 5, and you might face disappointment. However ask him/her this “suppose your Mom brings 5 chocolates for you and your brother takes 2 from you, how many chocolates you will have?” and you might get the right answer. Online Tutoring, especially online math assistance, can be made simple by including fun ways to teach.

The human brain grasps the best when something interests it the most. The key to productive tutoring is encouraging the child to ‘imagine’.

Over 25 million children can be found online! While you cannot keep an eye on which websites does your child visit, you can definitely do something that would not offend your child and still provide him with quality education. Online Tutoring is perhaps a smart approach to educating children without alienating them. Parents, instead of shouting at their children, should embrace the power of the Internet. Let’s face it, children love surfing the Internet. Ask them and they would have a sea of information at their disposal about social networking, instant messaging, and technology.

The Author brings over 6 years of e-learning and online tutoring experience. Having a deep understanding of pedagogy and child psychology, the writer has developed numerous strategies to improve e-learning and online tutoring for Grades K-12 and higher through various techniques that question the conventional ways of instructing. website: http://www.brainquotient.com

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

Psychologically, problems can be classified into two types. One type is the problems ‘to the children’ both physically and mentally. The other type is the problems ‘by the children’ in various matters affecting the whole atmosphere of the family.

Type I problems are related to speech, handicapped, left handedness, bad dreams, nightmares, nails biting, thumb sucking,etc.

Type II problems are related to delinquency, aggressiveness, bullying, obstinacy, temper tantrums, telling lies, sibling rivalry, etc.

Identifying the problems:

Type I problems are normally physical problems while the others are mental based. The former can be identified and cured if proper medical care is taken. But the later can neither be easily identified nor be cured absolutely. The parents find it difficult when the second type problems are with their children. Only experts in psychology can analyze the problems by counseling and suggest remedy. The various ‘problems by the children’ are discussed as follows.

Delinquency:

We know stealing, gambling, cheating, violence, pick pocketing, raping and similar such antisocial acts are criminal natured. If any of one such is committed by an adult, he or she is punished with penalty or imprisonment or both. When such things are done by children up to twelve years, they are called delinquencies. Again they are of two types called potential delinquents and actual delinquents. When the criminal acts are at mind level, the children are called potential delinquents and when they actually indulge in action, they are called actual delinquents. Both are equally bad and harmful to the society.

The essential feature of delinquent character whether potential or actual is due to ‘momentary pleasure seeking’ impulses arising with the children now and on. It is noteworthy that the delinquents have no control over this character or give a check against the impulses. Consequently, they continue to indulge in antisocial activities until being detected and caught with red hand. The basic reason for delinquency is the home condition and friends circle.

Aggressiveness:

Aggressiveness is a show of temper. It is sometimes normal and usual. Such character is serious when it is persistent and unusual in certain cases. Aggressive children are problem children only in case of unusual and unnecessary behavior in one hand as well as regular and persistent on the other hand.

There are two types of aggressiveness. One type is to cause damage on other objects and people. They are called the ’sadistic’ with externalized cause from the surrounding world. The other type is to express the anger on him and is called the ‘masochistic’ with internalized reasons. The children are tyrants in school, feel frustrated, interfere in others’ affair, need love from others, adventurous and feel unsecured.

Obstinacy:

Obstinate children are always contradicting, rebellious with others, arguing for everything, not flexible but rigid in many things. Obstinacy is similar to aggressiveness. The behavior will be somewhat rude and rough. Disobedience is another nature with obstinate children. In many cases, it is due to sibling rivalry when the parents show unequal importance for different children of their own. Obstinate children try to get the things done by such indifferent behavior towards others particularly with the parents.

Shyness and hesitation:

Feeling shyness in everything is another problem with many children. If there is meaningless shyness and hesitation, the children cannot do anything with own effort. Such children are always in the mercy of their parents and friends in getting the things done. It is a hurdle against the progress for the child and there is less chance to achieve the goal.

Fear, anger and anxiety:

These qualities are undesirable since they give a set back for doing anything with confidence. For anything, confidence is mostly needed for achieving the goal. If there is meaningless fear and anger, the child will be loosing many things to own. Fear is a submissive character and anger is destructive character. Eagerness is a desirable character while undue anxiety causes personal disappointment in some cases.

Conclusion:

Problem children are to be tackled with utmost care by the parents at home and by the teachers in school. If not, everything will be made worst and the results will be the ‘worries’ to the parents. It is suggested

i) To monitor the children in all activities

ii) To send them to special schools if necessary

iii) To give freedom at home to some extent

iv) To separate from bad friends

v) To provide good atmosphere at home

vi) To make them realize the moral values of life

vii) To teach them good habits

viii) To make them understand the pains given to others

ix) To provide medical treatment in some cases

x) To make them realize the values of ‘good habits’ and evils of ‘bad habits’.

By close and continuous observation in general, problem children can be treated and made good citizens.

The author has recently published some other interesting topics on “Problems of Backward Children” AND “Emotional Problems of Children”

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

In the beginning, we will be the ones who will add money to our children’s accounts for the purpose of offsetting the increasing costs of college tuition or private education. Unlike college savings plans, a children savings account offer the flexibility of accessing money when your child needs it most; whether that is before they are of college-age or after. The money that has been invested in a children savings account will be available to the child immediately without penalty.

A number of financial institutions offer a children savings account, so search for the best rates possible with the fewest restrictions. Many banks have a children savings account that offers no minimum age, but require that an adult take trust of the money until the child reaches a certain age, usually 18 years of age.

Bonds are another option for brightening your child’s financial future. Because bonds hold the initial monetary investment for a set amount of time before they mature, they may have a higher interest rate than the more flexible children savings account. However, in order for bond purchasing to be beneficial you have to be prepared to wait for the bonds to mature over a period of time, usually a minimum of three years and in most cases, much longer.

By opening a children savings account or purchasing bonds, we create a cash flow cushion available when our children may need it as well as the peace of mind of knowing that the small investments we make over time will give to our children in more ways than we imagined.

Whenever you are doing a research on one subject, try to get to the essence of what you are studying. It is true of mundane areas as well. As you search for information about savings accounts try and reach the best value, definitions and clarity. Read what we have on our site on savings accounts and if you need more material on this you can always go to the world wide web again to finish up on your studies. In this information age, there is a lot of options for increasing your knowledge base.

Check the links below for more information on Savings Accounts and other related information.

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