Category: Life Hacks

Teens — Learn These 3 Financial Skills and You’ll Be Set for Life

teen financial tips

If you haven’t figured this out already, school doesn’t teach you all the things you need to know for life on your own. Sure, you’ll learn algebra and why mitochondria are the powerhouses of cells, but what about real life skills like managing money, how to cook, and finding a job? Fortunately, you’ve got the internet at your fingertips, so use the time you have left living at home to start learning and experimenting with these three handy financial life skills.

teen financial tips

Investing

Knowing general tips for investing is good, but there are also a few major strategies to know. Many teens don’t learn about investing until much later in life. That’s when they’ll often make several high-risk moves that may or may not pay off for them. Learning to save money and invest it wisely can make it easier to have a nest egg for later on as well as to be able to retire early. Mutual funds, 401(k) accounts, IRAs, and other investment tools can be advantageous. Teens should know what each one is, the pros and cons behind them, and how investing can help you in the future.

Global Economics

The world economy is just as important, if not more important, than the local national economy. It has an impact on trade, finance, and much more. Knowing how global economics plays a role in the U.S. financial markets, insurance, stocks, and more will make it easier when investments are being made. This knowledge is so valuable it’s one of the main reasons that people take internships abroad. Additionally, anyone who’s going to work in business will be affected by the global economy in one way or another. Teens need to know which countries have economic stability and what it can mean when they don’t, especially if you dream of moving out of the country one day.

Budgeting

Every teen should know how to create a solid home budget. This includes balancing expenses against the income that they bring in. Plus, budgeting makes it easier to avoid the temptation of credit cards. There are plenty of other tips for avoiding credit card debt, too. If you nail down how to deal with your money responsibly now, you’re less likely to make poor decisions that can haunt you well into your adult years.

If investing, global economics, and budgeting are so important, why aren’t they taught in schools? That’s anyone’s guess, but you can take control of your own life and set yourself on the path to a more successful adult life by learning these things now. With even a basic grasp of these simple but essential concepts, you become more likely to experience success in both your bank account and future career.

X Plan for Teenagers Provides Life Saving Ways Out of a Dangerous Situation

Teenagers find themselves in a variety of dangerous situations. It’s nothing new. Drugs, alcohol, sexual promiscuity — and now Tide Pods! The teen years are notorious for risky behavior, experimentation, and as a result, accidents. Quite often, those accidents lead to death.

The saving grace is that more and more teenagers are deciding to break out of this stereotype of risky behaviors. The problem with this is that excusing yourself from the activities of friends can cause social ridicule. The last thing a kid wants is to be outcast from his or her only social group for saying “no.”

X Plan

The X Plan provides a way out of that social ridicule. Teacher, speaker, and lay minister Bert Fulks has devised a plan to help kids save face while also saving their lives.

If you are a teenager, and you find yourself in a sticky situation, you simply send a text.

Text your parents with the letter X, and your parents then know to call you. You simply answer the phone, and your parents will say that they need you home immediately for some family emergency, and that they’ll be over to pick you up in five minutes.

Apologize to your friends, let them know a family emergency has arisen, and get the heck outta there.

Why It Works

The X plan is a life-saving strategy not only for the obvious reason – that you get to save face and get out of a scary situation at the same time. This is of course the face of the situation. The real genius behind the plan is that it gets inside of a teenage head.

Here’s the thing: the social pressure placed on kids is enormous. It can be debilitating to the point of convincing kids that what their friends want is what they want too. In fact, kids may find themselves encouraging and reinforcing bad behavior just because they think it is what the entire group wants.

Mob Mentality

Individuals become emboldened in a group. One person may come up with a crazy plan he or she never would have acted out on alone. But because he or she is in a group setting, the idea becomes a spoken thought, the thought becomes an action, and the action leads to a reality, which leads to… accidents.

The X Plan provides a release valve for the mob. Over time, kids can feel safer and safer using an exit strategy like the X Plan. If teenagers believe they have options, if that becomes the reality in their heads, then they are less likely to give in to the mob. In the end, this can prevent many harsh tragedies from occurring.

Use It

So if you are a teenager, all you have to do is know the X Plan exists, and be sure you tell your parents about it. And if you are a parent, talk to your kid about this. It could save lives.


The above was  guest post from Aron James, founder of StubblePatrol.com.  Stubble Patrol is a site on male grooming. He loves to write about his personal experiences.  He feels that his tips and tactics will help his readers to enhance their level of self-confidence and their overall appeal. Changing your overall look can do wonders for anyone, so be sure to visit his site soon.

Tons of Cool Ways and Tricks to Beat the Summer Heat

Whether you live in an area with dry heat or one with “the three h’s” — hazy, hot, and humid — what you really, really want is to be cool. Excessive summer heat can become uncomfortable. It also is easy to become overheated in the summer, and that can be dangerous. It’s important to stay cool, and to know how to cool down fast when needed. Here are five tips to help you beat the summer heat.

Cool House

The same steps that keep warm air inside in the winter keep hot air outside in the summer. Have your duct pipes cleaned and your air conditioner serviced in the spring. Seal all the places where pipes, lighting fixtures, and wires pass from the main part of the house to the attic and from the outside of the house to the inside. Make sure that your attic has the proper amount of insulation for your area. Seal doors and windows with weather-stripping, and close blinds, shades, or drapes during the day. Hanging insulated drapes also keeps out the heat.

Install a whole house fan, preferably in a window for a central hallway in a two story home or an attic window in a story and a half home. After keeping the house closed up during the day, if your neighborhood is safe enough, open the doors and windows at night and turn on the fan to draw the hot air out of the house and draw the cooler night air inside. If the night air is still hot, hanging damp towels in front of your open windows will cool it. Draping a damp towel over a floor or window fan also works.

Cool Fan Tricks

Use fans along with your air conditioner, and you won’t feel the need to run the air conditioner as much. Your body cools itself as perspiration evaporates from your skin. Fans move air across your skin, helping more perspiration to evaporate faster. A desk fan will work, too, and you can freeze water in plastic water or soft drink bottles and sit them in front of a desk or floor fan to create a cooler breeze. Run ceiling fans counterclockwise in the summer.

Cool Clothes

Looser fitting clothes and natural, breathable fabrics such as cotton and linen allow air to flow closer to you skin. Loosely tailored styles work perfectly for office wear. Natural fabrics and those synthetic ones that wick away moisture help your body stay cool, even on muggy days when there is so much humidity that perspiration doesn’t readily evaporate.

Men may think it’s best to go without an undershirt on a hot, muggy day, but undershirts like UnderFit undershirts are made of a soft, slightly stretchy synthetic fabric that not only wicks away moisture but also resists odor.

Cool Nights

You need your sleep, but a hot summer night can make getting any sleep almost impossible. Try cooling your mattress by freezing rice in socks and placing the socks or soft gel ice packs under your sheets where they will be under your neck, lower back, or legs. You can also place your pillow cases and sheets in plastic bags and place them in the freezer a few hours before you plan to go to bed. Make your bed right before your bedtime.

Cool You

You can feel cooler in the summer by acclimating yourself to the heat. Put on your sunscreen and spend 100 minutes outdoors for four to 10 days in a row. Your body also responds to aerobic training in a way that is similar to acclimation. Both lower your resting core temperature so that it takes longer for your body to reach dangerous internal temperatures when exposed to extreme heat in the summer.

If you are outside and you need to cool down, look for a grassy area, especially one that is in the shade. Plants draw moisture in through their roots and release it through their leaves, creating the same evaporative cooling effect that your body uses.

If you feel you have become overheated, rest for a minimum of 15 minutes. Even after you’re sitting in the shade, your core body temperature will continue to rise before it begins to go back down. It will also take some time for your internal temperature to decrease.

If you need to cool down fast, put a cold compress, such as a towel that has been wrapped around some ice cubes or run under cold water and wrung out, on top of your head or on your pulse points — the back of your neck, your wrists or ankles, or the backs of your knees or the insides of your elbows. Because your forearms have such a large surface area of exposed skin, you can also plunge your forearms into ice water up to your elbows.

If you have lost electrolytes, try orange juice or milk if you prefer those to sports drinks.

Summer is supposed to be a time for outdoor fun. Here’s hoping that these heat-beating tips make eveng those excessively hot days more enjoyable.