The Most Effective Way Of Teaching Our Kids To Spend And To Save Money

When we already have kids on their early adolescent stage, it's very difficult to motivate them to be more compliant to us parents. During this period, our children are older and more mentally and physically mature. So, we expect them to be capable of doing simple house chores such as making their beds, washing dishes, sweeping the yard, putting away clean laundry and even cleaning the house. At this point, our kids even start learning how to cook. To top it all, we are teaching them to learn how to spend money wisely. Many parents choose to give children a small amount of money for completing certain chores. By doing this, children are taught how to spend and to save money at a relatively early age. We can help our children learn about spending and saving by setting a good example of the value of thriftiness and having discussions focused on this topic. For example, letting our kids know the cash flow of the family. Then, let them help on the budgeting. List the things that need to be bought. Allow them to see which is needed or not. Thus, we let our kids realize how to separate the needs from their wants. Children are most likely to learn and take to heart these important money-related skills and values when they see us actually doing these things rather than just talking about them. Therefore, it is useful if we can let our children see us in paying bills and going to the bank to save money, and setting up and following a budget, rather than hiding these activities from our children's view. We can also have a piggy bank at home. We can show them that no matter how tight our budget is, we still allocate a small amount for savings. Having a reserved fund helps a lot especially in cases of emergency. We also need to have an open and honest conversations with our children about money so that they can appreciate the fact on how the family gets money, and how that money is spent to provide food, clothing, shelter, medical care, education, etc. By showing children that obtaining money requires hard work and a lot of effort, they will know how much money must be budgeted just to provide for the basics of life. Thus, parents can help children better appreciate the value of money so that they are less likely to waste it on useless things such as buying toys instead of food. Our kids may find it hard to appreciate what we go through just to provide them food and shelter. It may be easier for our kids to understand if money discussions are put into concrete terms children are more familiar with like spending money on a computer games. We can assist our children in understanding concepts like budgets by helping them set up their own budget. Thus, setting a good example still remains the most effective way of teaching our kids to be more responsible in spending and saving money.
This article speaks of the most effective way of teaching our kids to be more compliant and responsible.

Are men more intelligent than women:

What is intelligence indeed? Intelligence is actually the ability to perceive and retain knowledge or information. It is the intellectual capacity of humans to perceive, comprehend and understand. It enables humans to remember and gives humans the cognitive abilities to learn, to communicate and to experience and think. Is it true that men are more intelligent than women? According to some people men are more intelligent than women because they are more aggressive and decisive compared to women who always let their emotions dominate their minds. Aside from that there are many things that women cannot do especially in terms of hard labor. However, there are also some people who think that women are smarter than men particularly in decision-making at home. I am talking about how to budget to meet both ends. It is the woman who knows how to keep up the budget for the whole family. The role of man is to provide the needs of the family especially in terms of financial stability. But when talking about how to economize and stretch the budget, women are more intelligent in this area. Women are considered as wise spender compared to men, although there are some men who would argue to this notion because of their patriarchal nature. Men always wanted to have the final say especially at home. By doing so, they think that they are more intellectual and more powerful than women. On the other hand, women are considered as by nature emotionally weak. They cannot think straight when they are upset and they are too sentimental. They use their hearts more often than their heads because they show more concern for feelings of others. They are sensitive to what other feels although there are also some women who only think of themselves rather than on other significant people in their lives. But there are also some people who believe that men and women are equal not only in potential but also ability. Whatever men can do, women can also do especially now that men and women are given equal opportunity at work. Corporations nowadays are no longer headed by the male species. There are many women who are now leading the corporate worlds. It only shows that whatever men can do, women can also do. Thus, intelligence of men and women can no longer be measured by how high or how low is the IQ. It can now be determined through performance. Either men or women could be on top depending on how hard they work and how they persevere.
I write this article in order to lessen the status quo belief that men are smarter than women.

Importance of college education

In today's competitive world, education is a necessity. Importance of education for men & women is essential for bright future. Education play a vital role in the development & progress of country. Today education is very important for success. The success of development countries based on education. It opens many door of opportunity and allow us to explore every option available. Students who have completed their college education more likely to have more opportunities and better quality of life. Mostly, employers prefer to hire job-seekers who have college degrees. It is much easier for a person who finish college education to find a job and get promoted while on the job. A good education can be a way into a prosperous life. During the years of college a student will learn a profession(s) that will help them choose a career. College education is one of the best investments of time and money. That is why there are many preneed companies offering educational plans; for parents to plan the future of their kids before the need arises. It is a practical way of saving money for kids. Going back to the necessity of college education, people with college degrees are more self-disciplined and cooperative compared to those who are not. People who lack educational degrees have limited opportunities in life especially in terms of employment. College graduates most often have better benefits specifically in terms of entering higher-level careers with greater salaries. They are also the ones who receive promotions, salary raises and often given opportunities for professional growth and development. As a matter of fact, parents who are college graduates are more likely to raise children who will also have college degrees. The more education the child gets, the more choices and opportunities he/she will have. An educated person has more options, which often lead to greater success and happiness in life. Growth and development will occur in many areas, including decision-making, analytical awareness, reasoning, creative expression and more. Moreover, earning a college degree will greatly enhance your marketability as a professional. It makes you more marketable to a much greater range of lucrative career options. By earning a degree provides access to professional networking opportunities that are inaccessible to those who do not have college degrees. Furthermore, college graduates are typically more satisfied with their careers than individuals with a high school diploma because they are able to find higher paying careers, get into positions with job advancement opportunities, get hired by employers that provide generous benefits and able to work in fields and industries that interest them. It also leads to job stability because the unemployment rate among college graduates is considerably lower compared to the unemployment rate among employees with only a high school diploma. Thus, earning a college degree enables people to make better choices of their lives not only in having better job opportunities but also in launching new business.
I want to emphasize here the value of education especially in earning a college degree to meet the challenges of the 21st century not only about career choices but also concerning the reality of life.

SUCCESS

Failure happens. It happens all the time, to everyone, and sometimes can have a bad effect on us depending on the way we react to it. Failure, like many other things, is something we have got used to through the years. To some it has become a lifestyle, an ingrained habit we just can’t break if we don’t have the right mind set. The greatest example, when it comes down to failure, is the American inventor Thomas Edison. He failed more than 10,000 times (I am still amazed at that number!) before he created the light bulb. Our greatest weakness lies in giving up. The most certain way to succeed is always to try just one more time. In fact, our knowledge is not enough, we need to apply what we have learned and willingness is not enough, we need to act. Problems are part of our lives. We need to be confident, start where we are, use whatever resources we have and do the best we can to succeed. Hard work, dedication, and the determination to achieve something can give us satisfaction. Success is not the key to happiness but the happiness is the key to success. If we love what we are doing, then we are successful. Success is not about money or material wealth, but more on sense of satisfaction. It is the process of undergoing failure to failure without even losing enthusiasm. If we want to make things better, then we are the only person we can rely on to fix our problems. Whatever happens, life is a matter of choice. Everybody deserves a second chance. We need to forgive and forget. Everything happens for a reason. Nobody is perfect. We commit mistakes every now and then. But it does not mean that we are bad. We learn from our mistakes. It is about giving ourselves a chance to get over our problems and move forward.

Time Management

Time is something that we can lose and never get back. People are always wishing they had more hours available in the day. Proper time management is something that can change our life on a fundamental basis for the better. Every daily cycle consists of a twenty-four hour period. This is one of those things that is what it is and cannot be changed. Even though we can’t control time, we can control how the time you have is used. This realization is the first step to being effective in your own time management.  Time management is important to everyone. It is the process of planning control over the amount of time spent on specific activities, especially in terms of increasing effectiveness, efficiency or productivity. So we have to manage time to develop our skill and thereby to reach our goal. It is how we plan our time effectively in order to accomplish certain goals or how do we spend our time on things that matter to us more. It is also how we learn to break down general tasks into specific actions or a simple tasks. Time management is setting our priorities in its proper perspective. We should learn how to distinguish between urgent and important in budgeting our workloads. In order to manage our time, we need to know how to plan, set goals, prioritize tasks, and monitor where our time actually goes. However, time management is not as easy as it seems because sometimes it is rather surprisingly difficult to practice. In fact, being busy does not always mean being effective. Sometimes people are hustling too much without achieving any output at all. The problem is on the ability to function more effectively despite tight pressures. Failing to manage time effectively can have some very unsatisfactory fallout such as inefficient work flow, poor work quality, and high stress levels. If we are able to have good time management, we can avoid unwanted consequences especially at work. Even inside our family, we can easily achieve our goals and the things that we prioritize in life. We need to identify what needs to be done. Moreover, we need to identify how we spend our time in order to improve productively. We need to find enough time for everything and use it effectively. Even if there are times that we thought that there isn't enough, time to do everything that we need to. We need to identify ways to improve our time management skills so that we can adjust our conventional behavior to reduce any time-related stress in life.  When we spend too much of our time on unimportant tasks; definitely we are not effective. In order to be effective, we need to decide what tasks are urgent and important. We can make a list of the tasks that we need to do. We need to make decisions immediately if possible. Do what we can do now and not wait for tomorrow because taking immediate action generates the motivation for further actions.

My learnings

Chapter 10: Elaboration -How to develop your flow of thought from sentence to sentence.

Words combine to form images, then images combine to form the sentence, sentence combined to form the core ideas and this is elaboration. The process of elaboration is explained here. 

Grammar is the tool we use to tie all our ideas together. Process of developing flow of thought from sentence to sentence is called as elaboration. It involves 3 steps: choosing the core idea, choosing the way we want to elaborate it, choosing the way we are going to bridge it into core idea. 

            There are 2 ways of elaborating the sentence: 

1.  Reason why.
2. Narrative sequence. 

New things that I have learnt from this chapter: 

1. I learnt that even if the sentences are long/short the sentences should be understandable to reader.

2. I learnt that narrative sequence is the most common elaboration structure used. 

3. I learnt that we have to keep our first definition has simple as possible.

4. How is it summarized.

5. How is it transferred to write core idea.

6. Goal of the process should be mentioned in the beginning

Things that I already knew about this chapter 

1. I knew If we are dealing with complicated process that requires number of short, separate steps. 

2. I knew Process of developing flow of thought from sentence to sentence is called elaboration.

3. I knew that logic consists of facts. 

Mistakes that I made while solving this chapter 

1.I was watching T.V. while solving this chapter.

2. Took lot of time to solve all questions.

3. I used mobile phones while solving chapter.

4. I didn’t concentrated while reading the chapter.

Correcting blog posts using this chapter 

I can change my blog by using learning points of this chapter and elaborating my thought by using a general rule of this chapter.

Future use in other subjects.

This can help me in exams in writing theory subjects. Even in final year projects I can learn a lot from it. It can help me in writing anything which is needed in our day to day life.

Chapter 9: How to use the clarity principle to build with, Symbolism, and suspense into your writing.

This chapter showed what is wit, symbolism and suspense and how to build it into our writing. It also showed how to use clarity principle. Only when we make it clear our purpose of communication is met.

New things I learnt 

1. I came to know that multiple meanings were called pivot words. 

2. There are 3 types of pivots – Wit, Pun, Suspense. 

3. I learnt that by using clarity principle we can add style to our writing, we can influence people, we can have fun also deep emotions. 

Things that I already knew about this chapter 

I knew how to correct sentences that contains ambiguity. 

Mistakes that I made while solving this chapter 

I made minor error while solving this chapter. 

Correcting blog posts using this chapter 

I can correct my blog posts by adding multiple meanings to the words by using the 3 types of pivots- Wit, Pun and Suspense which can surely give spice to my blog even I can make it more funny or emotional.

Chapter 8: This chapter mainly says how to write sentence clearly

This chapter talks about how one can remove ambiguity in a sentence and start writing clearly 

New things learnt 

1. I learnt that without picture words your sentences are empty. 

2. Without connecting words they are misunderstood. 

Things that I already knew about this chapter 

1. One thing I knew about this chapter is that when we write something we should not confuse the reader. 

2. I knew that we have to write simple sentences so that people can understand what we have written. 

3. I knew the meaning of clear which means- A picture word or phrase is clear when it has one possible meaning in the sentence. 

Corrections in blog writing 

I can write my blog in such a way that it is easy for people to understand the concept. 

Applying to other subject we can apply this concept in our subjects while writing exams because corrector shouldn’t be confused of what we have written. Plus while speaking to somebody we have to be as clear and simple as possible because the listener shouldn’t understand it differently.

Chapter 7: How to avoid monotony-so that your reader enjoys your sentence at the same time that he or she learns from them.

This is about avoiding monotony. In this chapter we make the sentences repetitious and short and transform them into longer sentences which is still understood by the reader. 

New things learnt
1. I learnt when monotony occurs.
2. I came to know that forward signalling connectors are 1st cousins of dependent connectors. 

Things that I already knew about this chapter 

I knew only a few concepts about this chapter. 

Mistakes that I made while solving this chapter 

I found some difficulties solving the 5st question and even the 9thone. 

Writing blog posts using this chapter.

I can correct my blog by breaking the overlong sentences and transform into a shorter one. 

Applying to other subjects 

I can use this while writing exams I can make long sentences into a shorter one and make more sentences out of them. I can use this in all the subjects.

Chapter 6: How to write in simple terms -so that anyone can understand your most complicated thoughts

The main idea in this chapter is that if we meet any complicated thought then first we have to separate them then we have to add connectors to it to make it simpler. 

New things learnt 

1. I learnt to separate the images in the sentences and then add connector to it. 

2. I learnt that we have to make use of many connectors as possible to link sentences. 

3. I came to know that repetition is a vital tool in eliminating overloaded sentences. 

Things that I already knew about this chapter 

In this chapter I was introduced to new concepts.

Mistakes that I made while solving this chapter 

I made some minor errors while solving problems. 

Applying to other subjects 

This can be used for any subjects while writing especially even in talking this can be used. Overloading most of the things in one sentences will make it difficult for understanding. 

Chapter 5: How to choose the right length for your sentences

In this chapter we learn to get the right length i.e. the number of words for a sentence with simplicity and clearness. 

New things learnt 

I learnt that any sentences long or short must have a connector. 

Things that I already knew about this chapter 

1. I knew what we say or write must be understood by everyone. 

2. I knew that sentences can be of any length. 

Mistakes that I made while solving this chapter 

Few errors have occurred while completing exercises of this chapter. 

Writing blog posts using this chapter 

If there is any long sentences in my blog then I can make it shorter so that people can understand clearly and also when the ideas are complicated. By this way I can change my blog 

Applying to other subjects 

I can apply this to my subjects by writing small sentences if ideas are complicated then I can use it. It can help me in writing assignments, Summary of case studies, may be in Resume

Chapter 4: How to link sentences together

This chapter is all about connecting the first sentence to your second sentence. It also tells what are the types of connector, which we can use after each sentence. How to use them, what are its importance Etc. There are mainly 3 kinds of connector. We can use two or more of them. But we must use at least one such type of connector.

New things learnt 

1. I learnt that we must not put too much details in a sentence. 

2. I learnt what is condensing connector. 

3. I learnt that condensing connectors do not have to be used alone to link 2sentences together. 

Things that I already knew about this chapter 

1. I knew putting much detail into a single sentence the listener will surely not follow me. 

2. Pausing after every sentences. 

Mistakes that I made while solving this chapter 

I have made too many mistakes while solving condensing connector sentences. 

Blog posts using this chapter 

From this chapter I can correct my blog by making them condensing continually. i.e., Condensing connector is a single word from a thought and uses that word in the next sentence. From then I carry forward my views into a bigger picture.

Applying to other subjects 

I can surely use this in all the subjects mainly while writing reports, assignments. I can use this while talking to people also. 

Chapter 3: How to build understanding into every sentence

This chapter shows us how to put our picture word and connecting word together to make image and images together to make a sentence. Our reader or listener cannot memorize the same words which we used in our sentences because human beings don’t have tape record understanding they have only image understanding. When we say some sentences to others they will automatically convert that words into their own convenient images and when they have to transit it to other they translate that image into convenient words. Two or more people share the same image but they use different words to express it.

New things learnt 

1. I learnt that when you speak to somebody the other person should be able to get through images 

2. I learnt that when we study new we have to understand it through images not by memorising.

3. I learnt that understanding is image sharing. 

4. I learnt that we should not speak too fast. 

5. I learnt that we have to frame as small sentences as we can but clear. 

6. Not interrupting one image with another. 

Things that I already knew about this chapter 

1. Making one understand while speaking is the motive that I already knew. . 

2. I knew that we have to pause after every sentence we speak. 

3. I knew memorizing too many words at one time is not easy. 

Mistakes that I made while solving this chapter 

Removing the block from a sentence was difficult.

Writing blog posts using this chapter 

We take each sentence has an image and too much of it will make it worse. So I can surely make some corrections from my blog by cutting down more of my big sentences into a smaller one .So I came to know that creating more of images in a sentence is not good. It is difficult for one to understand it. 

Applying to other subjects 

We can use this idea while speaking to people. For subjects I can use this in exams, blog writing, while writing resumes and many more.

Chapter 2: How to put two words parts together

In this chapter three steps are involved to make our idea clear to other or to communicate with other. A person will have number of thoughts with him; he cannot express all of them together to other. First we should decide picture words and connecting words and then it should be put together in such a manner that other can easily understand it without any confusion. Giving pause is very important between our communications

New things learnt 

1.      I learnt that to frame a sentence we have to picture the idea say like a boat a river then we have to know the connecting words say like of, off, the etc. By this picturing the view as well as connecting words we should frame a sentence. 

2.      When talking to somebody our main intention is to convince somebody, so there has to be a pause at the end of each sentence. 

3.      I learnt that we can form sentences starting with if, of off, up etc. 

         Things that I already knew about this chapter.

1.      I knew giving pause in between our communication is very necessary because others can understand clearly what we are saying, if we go on speaking without any pause, confusions may arise in minds of listener.

2.      2. When the thought is clear, direct, it needs no other connecting words to make it perfectly clear.

Mistakes that I made while solving this chapter 

There were some difficulties that I faced when framing a sentences so I had to discussed with my friends.

Correcting blog posts using this chapter 

By this chapter one learns how to frame sentences through connecting words as well as picturing image. 

Applying to other subjects 

I can apply this concepts to write blog and also in writing assignments so that I don't got any dramatically errors. It may help me in writing exams.

Chapter 1: The Two Main Parts of Grammar.

The first chapter says us to forget everything about grammar which is taught to us in our school level. Noun, verb pronouns never make the sense. It will not help us to put our thoughts into the sentences. In all languages there will be only 2 working parts

New things learnt 

1. The 1st thing that I learnt was to forget everything that I learnt from about grammar. I came to know that there are only 2 main parts of grammar those are Picturing word and connecting word.

2. A picturing word is a word that carries a built in picture within it. 

3. A connecting word is a word that connects a picturing word. 

Things that I already knew.

1. Picture that comes to our mind when we hear the picture word is different from picture that comes to other’s mind. 

2. We see nothing when we hear any connecting words. 

3. Some picture words carries with it more than one kind of picture. 

Mistakes that I made while solving the questions 

1.      I was not able to understand certain questions.

2.      I could not able to think of answer to some of the questions.

Concept which is used to connect blog posts. 

I actually didn't use picture in my blog posts. But now I think I can correct it by using the concept of Picturing word as well as the connecting words. 

Applying in other subjects.

I can apply this mainly while writing assignments because there will be lot of mistakes. In Marketing there is an assignment of blog writing so i can use these 2 concepts.

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Bhavyalakshmi R K

G-Mail address: Bhavyalakshmirk@gmail.com