Tips on How to Teach Your Kids to Save Money

A lot of teens nowadays do not understand the value of earning and spending money. They were not oriented that investing is necessary even if they are still students. As parents, you play a crucial role in this area. 

You should be able to teach your kids on how to save money. They should be able to understand the concept of money and investment as early as childhood. This will prepare them to learn money management, as they grow old. 

Here are some tips on how you can teach your children how to save money:

1. Your children should be educated of the meaning of money. Once your children have learned how to count, that is the perfect time for you teach them the real meaning of money. You should be consistent and explain to them in simple ways and do this frequently so that they may be able to remember what you taught them.

2. Always explain to them the value of saving money. Make them understand its importance and how it will impact their life. It is important that you entertain questions from them about money and you should be able to answer them right away.

3. When giving them their allowances. You need to give them their allowances in denominations. Then you can encourage them that they should keep a certain bill for the future. You can motivate them to do this by telling them that the money can be saved and they can buy new pair of shoes or the toys they want once they are able to save.

4. You can also teach them to work for money. You can start this at your own home. You can pay them fifty cents to one dollar every time they clean their rooms, do the dishes or feed their pets. This concept of earning little money will make them think that money is something they have worked for and should be spent wisely.

5. You can teach them to save money by giving them piggy banks where they can put coins and wait until they get full. You can also open bank accounts for them and let them deposit money from their allowance. You should always show them how much they have earned to keep them motivated.

Money and saving is not something that is learned by children in one sitting. You should be patient in teaching them and relating the value of money in all of their activities. Children will learn this easily if you are patient and consistent in guiding them and encouraging them in this endeavor.

Keeping children motivated

Initial enthusiasm in after school activities tends to wane after the 

first excitement is over. This is but natural. The trick is to keep up the 

hard work even after this. How do you keep your child motivated? This is 

of particular importance when the child goes in for educational after 

school programs.

Make the career-academics connection early on:

Let your child understand how important studies are. Let him know that 

an excellent career is wholly dependent on wholesome learning. To develop 

his interest in studies, plan family activities that are connected with 

his studies. Emphasize the real-world connection to academics whenever 

possible.

Set goals:

Let your child know, through example, that hard work will be rewarded. If 

your child believes that achievement is a natural by-product of effort, he 

is more likely to put in hard work. Such children are also less likely to 

drop out of programs and college at a later stage. 

Reward success:

When a child achieves something, it is necessary to praise his hard work. 

Positive reinforcements enhance confidence and increase self-esteem. 

Conversely, beware of criticism. It can ruin the frail ego of children and 

play havoc with their minds. 

The Learning environment

There is often a trap in the words 'after school activities'. One may 

easily believe that since these activities are after school, they are not 

of much importance. But, one couldn't be more wrong. Research suggests 

that children pick up some of their most important skills from after 

school programs. That is why children who do not participate in any extra 

curricular activities are generally slow and less vibrant.

The learning environment that one fosters in after school activities must 

be as disciplined and as functional as that found in the school. This is 

especially true of educational after school programs. This is the best 

place to teach the child important skills like time-management and goal 

setting. Time-management is a vital skill, but it is not achieved easily. 

Children need to feel the discipline that is needed to finish a task and 

the happiness of finishing the allotted work in a specific time frame. 

Children look for different things in an after class program. The learning 

environment should be attractive, colorful and informative. Use charts, 

pictures, posters and drawings to liven up a class. Additional resources 

(resources that are not easily available in the school) will make the 

classes interesting. For instance, when teaching a biology lesson, allow 

the child to see through a microscope or see slides of bacteria. This 

will add to his knowledge and also make him more enthusiastic about his after school program.

Discipline is a must in after school activities. In fun or sport-based 

activities, it is easy for children to step out of line and wreck havoc. 

While children should be allowed to have fun, they should be curtailed 

from unacceptable behavior. The best way to enforce discipline is to lay 

down the rules at the very beginning. Let the children know what is 

unacceptable, right at the beginning. 

Rewards are an important part of any learning process. The reward can be a 

simple pat on the back or a token of appreciation. Motivate your children 

to aspire for higher things by rewarding their achievements. Holding 

competitions or sport activities where the children can show their 

proficiency is a reward in itself. 

Children can get bored easily, especially in the case of an educational 

program. The main thrust of an academic program is to repeat what has been 

taught in class and to allow the child to learn it quickly. It is 

difficult to pique the child's interest a second time, especially when the 

child is already tired of one dose of the same lesson. It is best to 

thwart boredom by using creative techniques like an impromptu extempore on 

any topic, a quiz program or a slideshow. 

After school activities are becoming more popular by the day. Parents want 

their kids to learn more. Children too have an insatiable quest for 

knowledge. In an after school program, it is possible to pay individual 

attention and quench this thirst using various effective techniques. 

Reading activities

In a world that is slowly but surely turning away from books and getting 

glued to monitors or television screens, the importance of developing a 

passion for reading cannot be overlooked. Reading is a habit and should be 

established when the child is relatively young. What can you do to foster 

this habit?

Enroll your child for reading classes:

There are many well structured after school reading classes that aim to 

draw the children to books. They help kids with diction, idioms and 

phrases. For young children, these classes can be fun with animated 

characters and pictures. Illustrated picture books, rhymes, silly songs 

and pretend stories all attract the young child. Use creativity to capture 

the child's vivid imagination. 

Pique your child's interest:

If your child has a favorite character, pick a series of books that 

features this character. For my son, it was Spiderman. Thanks to friendly 

neighborhood spidey, my son latched on to comics fairly early in his 

childhood. 

Build a home-library:

A skill like reading cannot be learnt in isolation. Do not leave all the 

hard work to the after school program. Pick up books that you think your 

child will like. The Internet is also a rich resource of reading games 

that will attract little children to the fine art of reading. 

Art-based activities

A recent report by several independent researchers concludes that 

participating in the arts nurtures the development of social, personal and 

cognitive skills. Programs based on Arts can improve academic achievement 

and decrease the tendency towards delinquency. It helps youth form 

positive attitudes about themselves and build self-esteem.

Arts programs involve communication, interpretation and understanding of 

complex symbols, much like mathematics and languages. Thus it fosters 

higher-order analytical skills and skills of evaluation and synthesis. 

Many of the programs make the child regularly use multiple skills thus 

making him dynamic and versatile. 

Development of imagination, judgment and philosophy are fringe benefits of 

an arts-based activity. As opposed to the short 45-minute duration of the 

art classes at school, the extra time allowed in after school activities 

allows the child to get more involved. This results in more satisfactory 

opportunities for development of latent capabilities in the child. In 

turn, the child learns to set high standards of achievement. He 

understands what sustained focus is and learns that regular practice is 

the way to excellence. 

In the shy or the withdrawn child, theatre, speech or drama lessons may be 

an outlet for pent up emotions. As drama entails getting into the 'skin' 

of another person, the child learns to verbalize emotions and express 

thoughts. These reasons account for the popularity of arts-based 

activities.  

What Innovation Can Do to Your Life

It's a talent that everyone has, yet they think they don't. The power of innovation. If you've ever marvelled at somebody's creative prowess, guess what, you can create and innovate too. It just takes time. Everyone is born creative. The box of crayons in kindergarten were not limited to those who possessed potential; because the truth is, everybody has potential.

You know how long it took to learn to ride a bike or drive or to never commit the same mistake again? It's the same with innovation. It takes a  bit of practice and a lot of time before this mind function comes easily  when called. This article will teach you a few tips on how to bring innovation into your life.

Don't listen to what other people say. Follow the beat of your own drum. Allowing for the input of other people will only bring cacophony to the music you are trying to make. If you have an original idea, don't waste your time and effort trying to make people understand. They won't. And the help you will probably get comes in the form of negative feedback. If all those geniuses listened to their peers, we would probably still be living in the middle ages.

Spend time on it. I cannot stress that enough, although, please do not mistake this tip to tell you to quit your day job entirely. Do not. This involves some tricky time management but with a little discipline you'll be able to squeeze both in.

Exercise. Take a walk. Run a mile or two. Send all those endorphins coursing through your veins. Exercising certainly clears and relaxes your mind and allows for anything to pop up.

Record your dreams. Aren't some of them just the craziest things that your conscious mind would never have thought of? If you've had these dreams before, and I'm sure have, this only shows you the untapped innovative power you have lying within. So jot down those notes. Those dreams may just create an innovative spark in you.

Find your own style. You can always tell a Van Gogh from a Matisse. You'll know Hemingway wrote something by the choice of words on the paper. So it is the same with you. People will appreciate your innovation more because it is uniquely yours and that no one else would have thought of what you were thinking. That will let people see how valuable an asset you are.

Don't hide behind nifty gadgets or tools. You don't need the most expensive set of paints to produce a masterpiece. The same way with writing. You don't need some expensive fountain pen and really smooth paper for a bestseller. In fact, J.K. Rowling wrote the first book of the Harry Potter Series on bits of tissue. So what if you've got an expensive SLR camera if you're a crappy photographer? Who cares if you've got a blinging laptop if you can't write at all? The artist actually reduces the number of tools he has as he gets better at his craft: he knows what works and what doesn't.

Nothing will work without passion. What wakes you up in the mornings? What keeps the flame burning? What is the one thing that you'll die if you don't do? Sometimes people with talent are overtaken by the people who want it more. Think the hare and the tortoise. Ellen Degeneres once said that if you're not doing something that you want to do, then you don't really want to do it. And that's true. Sometimes you just want something so bad you become a virtual unstoppable. And that is passion. Passion will keep you going.

Don't worry about inspiration. You can't force it; inspiration hits when you least expect it to, for those unpredictable yet inevitable moments you should prepare. An idea could strike you on the subway, yet alas, you poor unfortunate soul; you have no sheet of paper to scribble down a thought that could change the world. Avoid these disasters. Have a pen and paper within your arm's reach at all times.

I hope this article has helped you bring more innovation into your life. Keep in mind that you're doing these things for your own satisfaction and not anybody else's. But soon enough they will notice, and everything should snowball from there.

What Really Makes You Tick?

Ten questions you should ask to yourself: a preparation to self-improvement

Be all you can be, but it's not always in the Army. I often see myself as somewhat contented with my life the way things are, but of course it's hard to think of anything else when where are real issues to be discussed.

Still I aspire for something deeper and more meaningful.

So we're all pelted with problems. Honestly it shouldn't even bother or even hinder us to becoming all we ought to be. Aspirations as kids should continue to live within us, even though it would be short-lived or as long as we could hold on to the dream. They say you can't teach an old dog new tricks… or can they?

1. What do I really want?
The question of the ages. So many things you want to do with your life and so little time to even go about during the day.

Find something that you are good at can help realize that small step towards improvement. Diligence is the key to know that it is worth it.

2. Should I really change?
Today's generation has taken another level of redefining 'self', or at least that's what the kids are saying. Having an army of teenage nieces and nephews has taught me that there are far worse things that they could have had than acne or maybe even promiscuity. So how does that fit into your lifestyle?

If history has taught us one thing, it's the life that we have gone through. Try to see if partying Seventies style wouldn't appeal to the younger generation, but dancing is part of partying. Watch them applaud after showing them how to really dance than break their bones in break-dancing.

3. What's the bright side in all of this?
With so much is happening around us there seem to be no room for even considering that light at the end of the tunnel. We can still see it as something positive without undergoing so much scrutiny. And if it's a train at the end of the tunnel, take it for a ride and see what makes the world go round!

4. Am I comfortable with what I'm doing?
There's always the easy way and the right way when it comes to deciding what goes with which shoes, or purse, shirt and whatnot. It doesn't take a genius to see yourself as someone unique, or else we'll all be equally the same in everything we do. Variety brings in very interesting and exciting questions to be experimented.

5. Have I done enough for myself?
Have you, or is there something more you want to do? Discontentment in every aspect can be dangerous in large doses, but in small amounts you'll be able to see and do stuff you could never imagine doing.

6. Am I happy at where I am today?
It's an unfair question so let it be an answer! You love being a good and loving mom or dad to your kids, then take it up a notch! Your kids will love you forever. The same goes with everyday life!

7. Am I appealing to the opposite sex?
So maybe I don't have an answer to that, but that doesn't mean I can't try it, though. Whether you shape-up, change the way you wear your clothes or hair, or even your attitude towards people, you should always remember it will always be for your own benefit.


8. How much could I have?
I suppose in this case there is no such things on having things too much or too little, but it's more on how badly you really need it. I'd like to have lots of money, no denying that, but the question is that how much are you willing to work for it?

9. What motivates me?
What motivates you? It's an answer you have to find out for yourself. There are so many things that can make everyone happy, but to choose one of the may be the hardest part. It's not like you can't have one serving of your favorite food in a buffet and that's it. Just try it piece by piece.

10. What Really Makes You Tick?

So? What really makes you tick? You can be just about anything you always wanted to be, but to realize that attaining something that may seem very difficult is already giving up before you even start that journey. Always remember, that self-improvement is not just about the physical or philosophical change you have to undergo, but it's something that you really want.

Photo Blogging May be the Pinnacle of Modern Technology

Many people feel that photo blogging is the most

exciting kind of blogging that exists. Building and

maintaining a photo blog is no more difficult than

creating and updating a text-based blog, and many

people feel that the internet's high speed, full-color

technology reaches the pinnacle of its appeal with the

transmission of images. Posting photographs in a blog

format on a daily, weekly, or occasional basis is a great

way to express yourself while reaching viewers in an

emotionally charged and aesthetically engaging way,

and surfing photo blogs can help you to get a whole

new perspective on the world in which we live. 

Many people who run image blogs are photographers by

trade, but photo blogging is also very popular among

hobbyists and amateur shutterbugs. To be certain, a lot

of the most popular photo blogs have gained attention

because the pictures on them are of the highest artistic

caliber, and a lot of the people who run these striking

blogs are graduates of prestigious art schools and have

impressive professional portfolios. However, some of

the most well known and most often visited photo blogs

are as notable for their concepts as for the pictures

themselves. Certain photo blogs, like the popular "Cute

Overload" which features picture after picture of

adorable animals, are more about the thematic content

of the pictures than they are about the style in which the

snapshots are taken. 

The fact that photo blogs range from forums to display

the work of highly skilled artisans to playful collections

of curiosities shows that photo blogging is a truly

diverse form. The fact that photo blogs are so easy to

build and to update makes this kind of visual

communication very democratic, and enables people at

all skill levels to become a part of the global

conversation about the nature and value of photography

today. 

Whether you are an artist or hobbyist who wants to

create a photo blog, or whether you are just somebody

who enjoys learning about new places and things,

spending some time looking at the most popular

photography blogs on the internet can be a very

rewarding endeavor. You can travel to another place or

another time by seeing pictures of faraway locations and

long-gone eras. You can see your own neighborhood

with fresh eyes by discover how local artists have

photographed the town or city in which you live. Photo

blogging allows people to communicate all of these

things and more, which makes it a very exciting part of

the modern blogosphere. If the best thing about web

technology is that it allows people to reach each other in

a very personal way from across great distances, then in

many ways photo blogs are the most successful kind of

web sites. 

"Enlightenment" Your 7 days program to Positive thinking

I'm sure you have a bright idea hidden somewhere in the back of your mind that you just can't wait to test out. Of course you're not the only one with the bright idea. So what motivates you to churn those creative, or even inspiring juices to its utmost flavor?

It's always best to set up a personal goal where you can accomplish the most in record time, maybe like mowing the lawn in an hour before the big game on TV. A correct and positive attitude in whatever you do will make things easier, and even enjoyable.

Here are some tips to make it through the week even if you're just sitting in your favorite couch. An idea takes time to form in your head and is always at work while you are busy sitting.

Having a bit of positive thinking can help you realize things that are never thought possible. Thinking big is indeed the American Way and that what made our country prosperous.

1. Take passionate action towards living your life by design. Talk is cheap. Action = deposits in the bank of a passionately authentic future. Without it, passion is void.

This is a perfect example where dreams are made of where you start by tinkering with your mind, then with your hands. And if the idea weakens, you can always go back to it later until you finish it.

2. Commit to yourself as well as those you love to create powerfully a life you can love. Instead of reacting, commit to creating from your heart and soul, out of love rather than fear. The American Dream will always be there, but a dream will still be a dream without motion. Be amazed as the transformation begins.

3. Recognize and embrace the thought that each moment is perfect regardless of its outcome. Every time you hit on something that may appear too extreme, why not give it a shot and see if it will work. You will be surprised to see of there are other ways to get the task done in time. If you are not pleased with the outcome, decide to use that moment to learn from and make the appropriate shift. 

4. Dwell completely in a place of gratitude. Learn to utilize what you have in your hands and make use of it in the most constructive way. Slipping into neediness will become less of a habit when you repeatedly shift towards gratitude, away from poverty consciousness.

5. Use a Passion Formula of Recognize/Reevaluate/Restore in place of the Shoulda/Woulda/Coulda whirlwind. The former is based in increased knowledge and abundance while the latter focuses on scarcity and lack. As you face people or tasks that may seem harder than scaling the summit of the Himalayas, allow yourself to realize that the task is just as important as giving out orders to your subordinates. You would rather be richly passionate!

6. Keep humor at the forefront of thought, laughing at and with yourself when possible. You may find yourself quite entertaining when you loosen up! I am yet to see a comedian ever go hungry even though his jokes are as 'old as great-grandma'. Life has so much to offer to allow you to mope around in self pity. Humor is very attractive, very passionate: life-giving. 

7. Believe that you are the architect of your destiny. No one can take your passionate future from you except for you! Create your life authentically. As long as there's still breath in your body, there is no end to how much you can accomplish in a lifetime. The concept of thinking big is all about enjoying your work, which would lead to celebrate a discovery that is born within your hands. Watch everything flow into place with perfect, passionate precision. 

It's interesting how people get wallowed up by something trivial as learning to use a computer, when nowadays that top computer companies are manufacturing software that even the kids can do it. I don't mean to be condescending, but that's the idea of not having any positive thinking in your life-you'll just end up as a dim bulb in a dark corner. So instead of subjecting yourself to what you will be doomed for, make your path by taking the first step with a positive attitude.

The Powers of a Positive Attitude

I am going to ask you to something very weird right now. First of all, I want you to listen to your thoughts. Now tell me, what thoughts fill your head? Would you label them as positive, or negative?

Now let's say you are walking down the street with these thoughts. Do you think anyone who would meet you would be able to tell you what’s on your mind?

The answer to number one is up to you. But, the answer number two can be pretty generic. Although people will not be able to tell you exactly what you think, they will more or less have an idea of how you are feeling.

Here's another question. When you enter a party filled with friends, do they all fall silent as if something terrible had happened? Or does everybody there perk up as if waiting for something exciting to happen?

You know what? The answer to all these depends on your frame of mind.

Thoughts are very powerful. They affect your general attitude. The attitude you carry reflects on your appearance, too – unless, of course, you are a great actor.

And it doesn't end there. Your attitude can also affect people around you.

The type of attitude you carry depends on you. It can be either positive or negative.

Positive thoughts have a filling effect. They are admittedly invigorating. Plus, the people around the person carrying positive thoughts are usually energized by this type of attitude.

Negative thoughts on the other hand have a sapping effect on other people. Aside from making you look gloomy and sad, negative thoughts can turn a festive gathering into a funeral wake.

A positive attitude attracts people, while a negative attitude repels them. People tend to shy away from those who carry a negative attitude.

We can also define attitude as the way of looking at the world. If you choose to focus on the negative things in the world, more or less you have a negative attitude brewing up. However, if you choose to focus on the positive things, you are more likely carry a positive attitude.

You have much to gain from a very positive attitude. For one, studies have shown that a positive attitude promotes better health. Those with this kind of attitude also have more friends. projecting a positive attitude also helps one to handle stress and problems better than those who have a negative attitude.

A positive attitude begins with a healthy self-image. If you will love the way you are and are satisfied, confident, and self-assured, you also make others are around feel the same way.

A negative attitude, on the other hand, has, of course, an opposite effect. So, carrying a negative attitude has a twofold drawback. You feel bad about yourself, and you make others feel the same way.

If you want to have a positive attitude, you have to feature healthy thoughts. This is probably very hard to do nowadays since, all around us, the media feeds us nothing but negative thoughts. A study shows that for every 14 things a parent says to his or her child, only one is positive. This is truly a saddening thought.

If you want a healthier outlook in life, you need to think happy thoughts, and you have to hear positive things as well. So, what can you do? Well, for starters, you could see a funny movie, you could play with children, spend some time telling jokes with friends. All these activities fill you with positive stimuli, which in turn promotes positive attitude.

Although it is impossible to keep ourselves from the negative things around us, you can still carry a positive attitude by focusing on the good things, the positive things in life.

And this positive attitude you now carry can be of benefit to other people. Sometimes when other people feel down, the thing people mostly do is try to give them advice. But sometimes, all they need is somebody to sit by them, and listen to them. If you have a positive attitude you may be able to cheer them up without even having to say anything.

If positive attitude is really great, why do people choose to adopt a negative attitude instead? One who carries a negative attitude may be actually sending a signal for attention. Before you get me wrong, feeling sad, angry, or gloomy is not wrong itself. But dwelling on these thoughts for far too long is not healthy either. There is a time to mourn.

As always, if you are beset by troubles, even in your darkest hour, focus on the good things in life, you will always have hope. Problems become something you can overcome.

You do not have much to lose by adopting a healthy, positive attitude. Studies show that such an attitude actually retards aging, makes you healthier, helps you develop a better stress coping mechanism, and has a very positive effect on all the people you meet every day. So, what's not to like about a positive attitude? Adopt one today.

My Family and my Work are my passions

Pencil Portrait - Final Step

After that, I draw the neck and the coat to complete the realistic pencil portrait drawing. Lastly, I observe the reference picture again to see which area should be darker and darken them.

That is how I draw a realistic pencil portrait. 

Instead of looking at the whole picture to draw, focus on drawing and complete one small area then only move on to another area. In this way, not only you won’t miss out the details, you will also fasten the whole process. 

Take your time to draw a realistic pencil portrait and don’t be rush. Drawing should be a relax activity and not a stressful chore. ☺ 

 To Your Drawing Success, 

Artur Louro

Pencil Portrait - Step 14

And now, there’s only hair drawing left. I begin to draw from the bottom of the left sideburn by moving upwards to left side of the hair, to middle, then moving downwards to right side of the hair and the right sideburn. I use 5B pencil for hair drawing. Sometimes I use also 8B pencil to achieve some really dark part of hair.