Wednesday, November 5, 2014

Florida Says No to Medical Marijuana Margin of 3%.

Marijuana in it's natural form.

Medical marijuana took a hit in Florida yesterday. As the vote tally's began rolling in it seemed the state was almost equally divided on the issue. But at the end of the night Florida voters were staring at a slim 3% margin needed to get the majority vote of 60%. In the end, Amendment two sunk, and was not passed.

What get's me about the whole issue is that people are prescribed Marinol, a drug with the main healing/helping ingredient being THC, also the main ingredient in "street" marijuana. But somehow it's unsafe to use on one's own terms. A Dr. must prescribe it, a pharmacy must take their cut, and then you can use it - legally.
Marinol 2.5 mg

It's stupid in my book.

The pharmaceutical companies are taking things, altering them, and then turning a serious profit at the cost of public healthcare. So in essence they are telling us that the key ingredients which were once considered "all natural" are  altered until they are"safe"? Does that even make sense? Altering all natural to be safe?

Let that sink in....

Homegrown tomatoes. 
If you think about it it's like creating a vegetable garden, in your own yard,  and the government saying - "Hey wait a minute, you can't do that. You must buy produce from the stores. What you are doing is illegal and carries a $500 fine and up to 30 days in jail. Now hand over your home grown tomatoes.Here eat these genetically modified one's instead. That will be $2.00".

Sounds ignorant.

Oregon, Alaska, and DC now join the ranks where marijuana is legal for recreational use. Again Florida is behind the curve of a nation.

What's your take on medical marijuana? 

More on medical marijuana:

Marijuana: Oregon and DC Legalize. Florida says No to Medical Marijuana.  

Florida Parent's Fight to help Help Children Suffering from Seizures

Florida Governor Signs Law allowing Limited Medical Marijuana Use

Are Marijuana and Schizophrenia Linked?

Friday, October 3, 2014

How To Teach Kids About Money

When should you teach your child about money? How should you approach the topic of money with your teenagers? How financially secure are you raising your children to be? When should you start a savings account for your child? The answers to all these questions and more can be found here.

Read on...

Kids Need to Learn How to Save Now More than Ever

Proudly depositing money into their bank accounts.
As I look at my sweet young girls, ages 5 & 6, I want the best for them, as does any parent. I want them to be healthy, strong, independent, financially savvy, and smart young woman. But let’s face it; the economy they are growing up in is at best shakey and forever changing. Saving for their future is essential. They must learn about money. From the importance of saving and budgeting to making large purchases with plastic. 

Unfortunately parents cannot rely on the school system for this; it’s your job to ensure they understand the importance of money and how it works either for them or against them.

Now is the Time (ages 3-5)

Start by teaching your three, four, or five year old children about piggy banks. When those holiday cards arrive in the mail stuffed full of holiday cash, insist that they save half of their money in their piggy bank. A younger child won’t really understand what they are doing but it will instill a great habit of saving early on. Saving $10.00 out of the $20.00 grandma mailed to them for their birthday will be no big deal. As they age expect the fight to get worse – surely they can’t live without the latest and greatest toy at the local toy store.

Regardless of the fight insist that they save at least half. In doing so you are paving the way for a financially savvy and prepared teenager.

Everything costs money...

As your children age (6-10) it’s important to teach them that money makes the world ‘go round and in order to have money it must be earned. Still insist that half of their monies is saved, so be sure to pay accordingly.  This may also be the prime time to open a bank account for your child. Be sure to involve them in the whole process. From opening the bank account, to depositing their piggy bank earnings, use this as a stepping stone to teach them about the banking process.

Talk, Teach, Practice…repeat.
Talk about bills with your children. Bills are not just for adults. Explain that the water, the electric, the cable, food, clothes, etc. all cost money. Remind them of this semi-frequently, in doing so you are letting them know that electricity is not something that is just given to you because you need it. It’s a luxury that they are granted if they can pay for it. Let them help budget for groceries, let them help pay for groceries, insist if they want a special item from the grocery store they help pay for it. While it may sound cruel to have Jr. pony up the cash for an extra box of pop tarts it’s actually a very valuable lesson paving the way to financial stability and ensuring fore thought.

Some children will not be able to resist the urge to blow all their money in one trip. This is ok just be sure to remind them that they only have X amount of money until they earn more. When you child has spent all his or her money there will be no more frivolous purchases. Stick to it.

Believe it or not Jr. will learn to budget this way. 

Plan for a large purchase with them…
As your child reaches those tween and preteen years their wants become more extravagant. They no longer are satisfied with an extra box of pop tarts they now want a new Playstation, the coolest shoe’s, phones, etc. Help them create a plan to buy it with little or no help from you.

Think about the total price involved with the object of desire and make a plan. An item costing $80.00 is a much easier goal then an item costing $400.00. You don’t want to discourage your child away from saving for it. For instance, if he or she MUST HAVE a new Playstation insist they save for half of it themselves, once they have that amount saved you will help them with the rest of it. Smaller, frivolous purchases should be left completely up to your child to fund. Of course you can always offer extra chores, grade incentives, etc to help them reach their financial goals.

Either way make sure that Jr. ponies up something towards the purchase. Not only will he respect it and take better care of it he will also take pride in his purchase.

Debit cards, Oh me, Oh my… ages 14+
If you've managed to instill good money habits into your child it’s time to get them their own debit card tied to their own bank account. I know, the idea of your teenager running around with a piece of plastic is scary, but if you've done your work prior it should be a relatively painless transition with the added bonus of  an educational, and safer way for your teen to pay for their purchases.   

First things first.....
First you must decide what you will and will not pay for, going forward. Keep in mind that this time of life is VERY expensive, every activity for teenagers costs money. With their social lives blooming and their efforts to “keep up with the Jonses” the money tree can quickly become barren.  

What will you pay for? When will you pay for it? Will new clothes be purchased at the beginning of the school year and on an as needed basis? Gas money? Movie tickets? Do good grades call for extra spending cash?  Make a plan. Explain the plan to your teenager and stick to it. Teach your child that when it comes to money there is a ton of thought and planning involved in the spending process.

Back to debit cards…

This is an important milestone for teens of all ages. It teaches them how to balance, budget, and plan their money according to their individual needs. While still sticking to the save plan, change it up a bit. Allow your child the ability to save more or less as needed. Your child should at this time have 2 accounts, a savings account and a checking account. Place overdraft protection on the checking account to ensure your child is unable to go over the allotted amount in his or her account and monitor their debit card use regularly.

Credit Cards...18+
Once your child has had the ability to control his or her own debit card, and does so with ease, they should be fully aware that plastic cards come with conditions.  Now that you have paved the way for your child he or she should understand the importance of saving, spending, and budgeting. A quick lesson on interest rates should scare your financially responsible child away from enorm
ous credit card debt for years to come.  You've done a great job. Sit back and relax as your child enters the world of financial freedom. 


Cheat Sheet: How To Teach Kids About Money

  1. Start teaching about saving money simply and early on.
  2. Open a savings account together.
  3. Talk about money regularly. 
  4. Instill that money is earned 
  5. Make and discuss plans with children as to what you will or will not pay for - STICK TO IT. 
  6. Be creative in helping your child reach their financial goals.
  7. Work together to create budget plan for purchases.
  8. Get your child a debit card.
  9. Monitor, teach, and talk about debit card and purchases together. 
  10. Sit back and relax knowing you've done all you can do to teach your kids about money. 

Wednesday, September 10, 2014

Teaching Your Child To Apologize

From infant to toddler, your children, have been studying the world around them and have learned the many emotions and actions associated with them. For instance, your child should understand that tears mean sadness, smiles mean happy, laughs mean funny etc. While this may seem like an easy feat for you remember your child is new to the world of empathy and emotions. They live in the moment with a me, me, me attitude. Which is all normal at this developmental stage of life.

Read more about:  Teaching Your Child to Apologize