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Are You Spoiling Your Kids?

It’s every parent’s worst nightmare. You do everything you can to raise your kids with manners, discipline, and good values, but they wind up spoiled rotten. The truth is, many parents end up spoiling their children without even knowing it – especially in households where both parents work. When you have limited time and energy for your kids, it’s easy to slip into a pattern of giving in to their every demand, whine and tantrum. But while saying yes to avoid their outbursts – or to appease your guilt for not spending more time with them – may be a quick fix, it can prevent them from learning crucial life lessons such as empathy and how to cope with disappointment. Here are five signs you may be spoiling your kids, along with tips for getting them back on the right track. You Never Say No When you indulge each and…

Getting Your Children In The Back To School Mindset

back to school!With the start of school upon us for many young students, we are reminded of the inevitable phenomenon that happens this time of year. We have all experienced it: the surprisingly difficult transition that occurs when the kids go back to school.
No matter how hard we try to keep their minds sharp over the summer, it seems that they require at least a couple weeks to recover the study skills and knowledge that they had developed over the previous year.
As you begin to get your kids ready for back to school, keep in mind that they may need more from you than just a backpack and the latest trends. In order to ease their transition into the new school year, there are some steps you can take to encourage their academic sensibilities.
9 Tips for getting your kids into the back-to-school state of mind:

Giving your New Baby the Royal Treatment

kate middleton prince william royal babyIn the wake of the birth of Prince George, the world is buzzing over everything baby. In honor of the royal baby, we are offering advice for new or soon-to-be-parents on financial planning and preparation for the new addition to your family. Your head can spin from the learning curve associated with adding a new member to the family, but there are some steps you can take in order to ensure that you are fiscally prepared.
A 2011 Department of Agriculture report found the cost of raising a child to age 17 to be nearly $235,000. The Wall Street Journal estimates the cost to be closer to $1.5 million. Whatever your personal estimate may be, planning for the future of your family is absolutely vital.

What Did The 4th Mean To You This Year?

family fireworksHow was your 4th of July celebration?
America might not have as many traditions as some other countries, but the 4th of July is always ours alone. Independence Day may conjure different memories for different people, but there are certain staples that every patriot should experience. Here are our “Four F’s of the Fourth of July”:
It’s always a holiday. Holidays are meant for families. Did you turn it into a reunion and make that a new tradition? Thanksgiving and Christmas occur in the fall and winter, which are typically cold and cabin fever prone for all of us. Warm weather opens up the enjoyment of outdoor activities. Idelay you experienced a beautiful summer day with your kinfolk outside on the patio, or in a tent, or on a boat!

If You Have a Child You Absolutely Need Life Insurance

children need coverageYou’ll never forget the feeling you experienced when you heard the word about having your first child. Whether you brought in new life to the world or adopted a child into your loving arms, you knew your life would be forever changed. Raising a child is quite possibly the most challenging and time-consuming job of all. After all, you are “on the clock” 24 hours a day / 7 days a week. You don’t truly ever have time off even if he or she is with a babysitter or dropped off at school for the day; your child’s smile is still on your mind.

Whenever you make a decision, you automatically think about the effect it might have on your child. Every action has a consequence and you wouldn’t want an action of yours to negatively affect your child’s growth and happiness. Making financial decisions are especially a concern for the future of your child.

5 Reasons to Revisit Your Life Insurance Coverage

Screen shot 2013-02-13 at 9.55.58 AMWe have already told you many reasons as to why you should have life insurance, but what if you already have life insurance? You may be wondering at what point in time, if any, that you need to review your policy to make sure you always have the best coverage. There are life-changing events, planned and unplanned, that will alter the life insurance coverage you need. Here is a list of 5 events that commonly act as catalysts to re-evaluate your life insurance: