September 2018
UnMazed Magazine
Back-to-School Start the Year off Right How to Earn a College Degree in High School Tips for Student Success
C O N T E N T S
shifting from negative to positive: the fastest way to change your perspective
five strategies to start the year off on the right foot terminology: high school recalculated gpa: what every student should know
6 how to earn a college degree in high school
back to school anxiety & tips to overcoming it tips for parents who have saved nothing for college
6
build your road map to your future
28
in college admissions, it's not always about the grades
30
career pathways from FLDOE
33
how to create student academic independence & stay connected
38
ABC's of financial planning
Subscribe today NOW GET YOUR FREE MONTHLY MAGAZINE DELIVERED TO YOUR EMAIL 30 30
www.unmaze.me J ULY 2018
3
UNMAZED MAGAZINE
UNMAZED Letter from the Editor I have always loved this time of the year as both students and parents are ready to start fresh a new school year with renewed determination and excitement. However, after twenty years in education, I have learned that that are some key strategies to start the year off right- for both
As an educator, I suggest to parents to sit down and create together a School Vision Board with the student's goals; personal, academic, and social. Have them be attainable and something they need to work on. Wherever their designated study space is, clearly display this and refer to it often when your student is struggling.
parent and students! This month's magazine has devoted 43 pages of helping you navigate the beginning of the school year like a champ. From academic planning to time management and study strategies to mental health, all the experts have put forth great articles to ensure your student is successful this year.
Here is my child's School Vision Board. It was a great activity that elicited quite a bit of discussion about the upcoming year- this is especially true as she transitions into a new building and setting (middle school). Like all parents, I want her to start off successful and stay that way throughout the entire year.
I have had the privilege of working with all types of students- advanced, struggling, public school, home education. and more. From all my hours of working with families, the essential theme is that students all need support and reassurance that they are on the right track. New skills of checking their learning management systems, writing assignments down in planners, doing their work, and
turning assignments in take time and
persistence on all parties.
By: Dr. Amanda Sterk, Senior Editor and Founder of UnMazed Magazine
Happy 2018-2019! 4
UNMAZED MAGAZINE,
September 2018, ISSUE 6
Magazine articles and more can be found at www.unmaze.me Where Florida experts meet for teen success.
Contact us: We enjoy hearing from from parents, students, and educators throughout the state. Send us your photos, letters, or comments to asterk@unmaze.me. Or visit us online: www.unmaze.me Do you want to collaborate? This magazine is designed for educators across the state to share their expertise on a variety of topics. We welcome those who would like to participate in creating this resource.
WWW.UNMAZE.ME,
5
UnMazed Where Experts Meet for Teen Success
Editors Amanda Sterk, Ed.D., is CEO of Florida Center for Educational Planning and author of College UnMazed: Your Guide Through the Florida College & University System. She currently works at Florida SouthWestern State College as Director of Accelerated Programs.. Dr. Sterk has been an educator for 20 years as a teacher, school counselor, and administrator. She is founder of the Florida teen resource, www.unmaze.me.
SENIOR EDITOR
ASSISTANT EDITOR
Katie Reilly is an English teacher at one of the highest ranked collegiate high schools in the state, Florida SouthWestern Collegiate- Lee Campus. She is currently working towards her Master's in School Counseling and is passionate about student success.
Contributing Writers 18
28
Shantell Fonock is a Certified Hypnotherapist, Life Coach and a member of the International Association of Counselors and Therapists. She has been a coach to both adults and teens for over 16 years. It is her passion to help you find your voice. She helps you to remove limiting belief systems resulting in positive changes and creating the life you want.
Rob Hicks, M.Ed.,has worked in public schools for 16 years. He is a school counselor at Fernandina Beach High School and the Ogburn School. He maintains the "Getting My Guide On" blog about all things school counselor at guidey.blogspot.com and writes about local history.
Do you have a passion for teen success? Would you like to write for an innovative magazine written by educators across the state? Connect with us today! http://www.unmaze.me/collaborators-3/
26
16
23
38
9
20
Dr. Juniace Senecharles Etienne is a native of Miragôane, Haiti, who migrated to the United Statesat the age of 16, Dr. Etienne is a teacher and an author. She knows firsthand that education can expands one’s opportunities to succeed. Her passion is to empower and stimulate intellectual curiosity in her students.
Brittany Cortez has a Master’s degree in College Student PersonnelAdministration and. worked at the University of Illinois in admissions. She currently works with dual enrollment students at Seminole State College. She is passionate about helping students and parents navigate the college process
Sarah Sparks is the founder of Create The Spark, LLC. Sarah inspires and encourages high achieving, career driven women, who feel stuck, tired, worn out, and pulled in many different directions to put a SPARK back in their marriage and relationships.. www.sarahsparks.love
Stacey Adams is a Registered Representative of Park Avenue Securities LLC (PAS), Securities products/services offered through PAS, a registered broker/dealer. Financial Representative,
Katie Reilly is an English teacher at one of the highest ranked collegiate high schools in the state, Florida SouthWestern Collegiate- Lee Campus. She is currently working towards her Master's in School Counseling and is passionate about student success.
Bud Jenkins is a college and financial planner at Flroidian College Planning Resources. He assists families in making quality, intentional financial planning decisions to reduce the burden of college loans.
www.unmaze.me
UNMAZED
OCTOBER NOVEMBER DECEMBER JANUARY FEBRUARY MARCH APRIL
Upcoming Featured Featured: Teen's Guide to Financial Aid & Scholarships; local, state and national scholarships, Bright Futures, loans and grants, and award letters
Featured: Teen's Guide to Mental & Physical Health; bullying, mental health, and wellness Featured: Teen's Guide to Careers; career and technical programs, choosing a major, career exploration, and personality tests Featured: Teen's Guide to High School and Program choice; accelerated programs, high school options, and specialized schooling Featured: Teen's Guide to Mastering Testing; test preparation, Advanced Placement, International Baccalaureate, Cambridge AICE, ACT, SAT, state testing Featured: Teen's Guide to Community Service; Internships, Volunteering, Local and State Organizations
Featured: Teen's Guide to Summer Programs; Selective Programs, Camps, Work Experience, & Local Opportunities
Do you want UnMazed directly to your inbox each month? Subscribe today at www.unmaze.me! Join 4,000 subscribers
Five Strategies to Start the Year on the Right Foot
Each year presents a ne
challenge and gi es us
rela ation too, but don’t let yourself get s ept
the opportunity to try things differently. With the
a ay in ideo games, social media, or Netfli for
ne
too long. 9ry setting alerts and reminders in your
school year approaching, it’s time to start
thinking about and ho year
hat you
ant to achie e this year,
phone to keep you on schedule.
you’re going to achie e it. Beginning the
ith the right mindset and a
ell thought-out
. Write Things Down:
hile it may sound
game plan can make a big difference in your
cumbersome, you are more likely to remember
success. Here are some tips to bring into the ne
something once you’ e
school year
you’ e not been specifically instructed to do so,
ith you:
ritten it do n. E en if
al ays take notes in class. Sometimes a concept . Plan Ahead: budgeting your time effecti ely can gi e you hours back in your
eek. Use a calendar
– paper or digital – to map out accomplish each
hat you need to
eek. Look ahead to upcoming
might seem simple but
hen it’s demonstrated to us,
hen
e try to repeat it at home it gets
confusing.
Good notes can help pre ent this
struggle. 9ake notes in your o n
ords and in a
assignments and tests. Break your home ork into
format that makes sense to you. 9e tbook and
smaller chunks and plan out
dictionary definitions can be really
hat you’re going to
ork on each night throughout the
ordy; try
eek. Consider
making notecards that ha e both formal and
other acti ities you may be in ol ed in outside of
simplified e planations on them to help you study.
school,
Al ays try to engage acti ely
like
sports
practices
or
organizations. It’s okay to budget time for
youth
ith material, rather
than passi ely rereading information. Continued on p. 10
WWW.UNMAZE.ME,
9
FEATURED Five Strategies to Start the Year on the Right Foot, cont. . Use Your Resources:
hen the te tbook or your class
. Find a Mentor: learn from those around you. Find
notes don’t make sense, seek additional resources. You can
someone
find many lessons a ailable for free on
person might be a teacher, coach, or parent. E plain to
ebsites like Kahn
Academy and You9ube, and you can search for practice uizzes made by other teachers on
ebsites like Quizlet
them
ith
hom you can discuss your goals. 9his
hat you
holding you back. Ask them
and Kahoot. If you don’t ha e anyone to proofread your
and
essays, the
their ad ice – they
check for
ebsite Grammarly pro ides a free grammar
ant to achie e and
hat barriers are
hat challenges they faced
hat helped them succeed. Be open and recepti e to ant to see you succeed as
ell!
ritten assignments. Finding information that’s
presented in a ne
format can help to clarify your
Most importantly, don’t get discouraged if things don’t go
understanding of it.
perfectly the first time around. Some things are going to
come naturally for you, . Ask for Help: don’t be afraid to speak up
hen you
hile others are going to re uire
e tra focus. Check in from time-to-time
ith your goals
need e tra help. Your teachers are there to support you. If
and allo
you struggle in math, ask your teacher for additional
change your plan throughout the school year. Remember,
practice; if you hate reading aloud, pre ie
e erything comes do n to finding balance.
the material the
yourself to gro . It’s okay to re-e aluate and
night before or practice by reading to a younger sibling. Pick a friend to be your study buddy. Quiz each other and re-e plain lessons to each other – the ability to teach a concept to someone else
ill let you kno
that you ha e
By Katie Reilly, English teacher at the #1 ranked high school in Florida, FSW Collegiate
mastered a topic.
www.unmaze.me
TERMINOLOGY: TERMINOLOGY: WHAT WHAT TO TO KNOW KNOW ACADEMIC CORE Core courses include all courses taken in English, Social Studies, Mathematics, Sciences, and Foreign Language. Traditionally this is the focal point of college admissions rather than electives. Taking additional core courses is encouraged. ACADEMIC ELECTIVES This is sort of a grey area in college admissions. These are courses that students elected to take but are more academic; examples would be Psychology, Human Geography, Speech. Typically these courses are included in the recalculation. ADVANCED PLACEMENT (AP) AP courses are college-level classes taught in high school, following guidelines and covering material that should prepare them to take Advanced Placement tests offered by The College Board. AP courses have a final AP exam that students need to take. College credit is dependent on the score of the exam and the university they are attending. ADVANCED STANDING CREDIT Credit for previously completed college-level work or demonstrated knowledge of a subject granted by taking advanced standing exams, such as Advanced Placement (AP) or International Baccalaureate (IB) exams, and other similar programs. COLLEGE LEVEL EXAMINATION PROGRAM (CLEP) The CLEP is a set of tests that can be administered to students who desire to obtain college credit by taking proficiency tests in selected courses. If the student scores high enough on the test, college credit can be awarded. There is a charge for each test taken. Information concerning an individual institution’s policies toward CLEP Tests can be found in the institution’s catalog. DUAL ENROLLMENT A process allowing high school students to take college-level courses that can be transferred to a college or university for credit. Courses can often be taken concurrently (at the high school), on a college campus, or online. The credits may be available both for college and high school credits. There are different requirements to take dual-enrollment, such as a specific grade point average or standardized test scores. EARLY COLLEGE HIGH SCHOOL Early College is a high school program that combines the high school curriculum with the first two years of college. When a student finishes the early college high school, he or she has a high school diploma and possibly an associate’s degree or two year’s equivalent of college credit to transfer to a four-year college. This approach especially targets students who will be first in their family to attend college, and/or of lower income means, as it makes earning college credits more affordable and more accessible.
12
UNMAZED MAGAZINE,
GPA (GRADE POINT AVERAGE) Quantitative measure of a student's grades. The GPA is figured by averaging the numerical value of a student's grades. It is cumulative, starting freshman year: grades count every year. A poor GPA in ninth grade can drag down the overall average, despite, for example, good grades junior year. Some schools “weight” their GPA’s by adding points to more rigorous courses like honors and college-level courses. HIGH SCHOOL GRADUATION REQUIREMENTS High school graduation requirements are the classes (or units) needed to receive a high school diploma. Every state has different requirements so it is important you are not missing any requirements or you are not able to receive a standardized diploma. INTERNATIONAL BACCALAUREATE (IB) The International Baccalaureate program provides participating high schools a challenging academic course load and additional learning projects. The IB program lasts two years and requires students to study six subjects chosen from the six subject groups. NATIONAL HONOR SOCIETY National Honor Society is an organization at participating high schools that recognizes students for academics, service, leadership and character. Each Honor Society chapter establishes rules for membership that are based upon a student's outstanding performance in the areas of: Scholarship, Service, Leadership, and Character. Students in grades 10 through 12 in a school with both an official charter of the National Honor Society and an active affiliation with the national office are eligible for consideration for membership in NHS. PLAN TEST This test is usually taken in the sophomore year to prepare the student for the ACT. PSAT PSAT is shorthand for Preliminary Scholastic Assessment Test. This standardized test is practice for the SAT and covers reading, math and writing. It is typically taken during a student's Sophomore or Junior years (grades 10 or 11). This test is offered for a fee at high schools. A fee waiver is often available for students from low-income families. The PSAT also qualifies the 50,000 top scoring students across the United States for the National Merit Scholarship. More information and the official student guide to the PSAT can be found here. UNWEIGHTED GPA An unweighted GPA this simply means the student does not get any extra points for more rigorous courses like honors, dual enrollment, Advanced Placement, and so forth. An A in PE would be the same as AP Human Geography. WEIGHTED GPA A weighted GPA takes into account a student’s rigor. More points are awarded for more rigorous courses. The more rigor, the more points. Student class rankings are often determined off of this.
12
UNMAZED MAGAZINE,
FEATURED
Recalculated GPA: What Every Student Should Know
Throughoutv highv school,v e eryonev stressesv your
v v a.vSomevcollegesv illvlookvatvwLLvcoursev ork
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collegevadmissionsvprocess.vWhilevthisvisvabsolutely
allv electi es.v Yourv studentv mayv ha ev gotv anv wv in
true,vmanyvstudentsvandvparentsvdovnotvrealizevnot
wPv 5nglish,v butv
allv gradesv arev createdv equal.v Collegesv and
sho sv
uni ersitiesv lookv atv yourv gradev pointv a erage
responsibilities. v Typicallyv
differentlyv thanv yourv highv school.v Inv thisv post,v I
transcriptvisv hatvtheyvuse.
antv tov demystifyv somev ofv thev mythsv ifv youv e en
poorlyv
hyv didv theyv failv P5?!?v That inv
maintainingv
your
hatv isv onv your
v v b. Somev collegesv lookv onlyv atv thev academic
kne v therev erev any! v aboutv av student’sv GPwv and
core.
ho vcollegesvusevthem.
v c.v Somev collegesv lookv academicv corev and academicvelecti es.
WHAT TO KNOW:
. Mostv collegesv usev thev
eightedv GPwv asv the
. Notv allv highv schoolsv usev thev samev system!v Some
bestvindicatorvforvcollegevsuccess.vWhy?vWell,vthe
highvschoolsvusev eightedvorvun eighted,vsomevdo
morev rigorousv coursesv youv tookv inv highv school
notv e env usev thev traditionalv . v scale.v Thisv isv hy
andvdidv ellvinvisvavgoodvindicatorvtovho vyouv ill
manyvschoolsv illvrecalculatevallvGPwsvbasedvonvthe
dov inv college.v Onev directorv ofv admissionsv said
scalevtheyv ant.
this,v
. Collegesv lookv atv andv usev coursesv differentlyv in recalculatingvthevGPw.
Wev putv morev
eightv onv gpav than
standardizedvtestsv wCT/vSwT vbecausev ev ould ratherv ha ev fourv yearsv ofv gritv thanv onev dayv of goodvtestvtaking . WWW.UNMAZE.ME,
13
. Collegesvalsovlookvatv hatvopportunities erev affordedv tov you.v Typicallyv yourv school counselorv hasv sentv inv av schoolv profilev that detailsv
hatv ad ancedv coursesv theyv gi e,
a eragev testv scoresv andv schoolv programming. Thisvisvimportantvforvthosevinvsmallvschoolsvthat mightvnotvha evavlotvofvspecializedvclasses,vthey oftenv comparev youv tov yourv fello v peers. Ho e er,v
hilev youv mayv attendv onev high
school,v av lotv ofv timev therev arev multiple opportunitiesv tov takev morev ad ancedv courses onlinevorvdov1ualv5nrollment.
R5CALCULATING GPAS Sov ho v doesv itv
Ifv yourv studentv stillv hasv schedulev opportunities
ork…v let’sv takev av lookv atv some
especiallyv
thv &v thv graders ,v mi ingv andv matching
hypotheticalv studentsv andv seev ho v theyv ouldv fairv in
coursesv tov ma imizev av student’sv recalculatedv GPw
collegev admissions.v Inv thesev e amplesv Iv ha ev used
couldvmeanvavhugevdifferencevinvtheirvadmissions.vItvis
hatv thev Floridav Statev Uni ersityv Systemv hasv stated
bestv tov planv early,v talkv ithv yourv schoolv counselorv to
theyv usev forv
eightingv + . v forv allv 1ualv 5nrollment,
wP,vIB,vwIC5v&vwVI1vcredits,vandv+ . vforvhonors .
seev hatv programsv arev a ailablev dov yourv research!! , andv suggestv tov yourv studentv tov continuev takingv on morev corev andv rigorousv coursesv allv thev ayv untilv the
*Notev thisv isv notv av perfectv e amplev asv creditsv for
endvofvhighvschool!
coursesv arev notv al aysv equal.v Forv c ample,v av 1ual 5nrollmentv studentv mayv recei e v highv schoolv credit
**wsv av note,v GPwv forv collegev admissionv usuallyv goes
forvavsemestervofv5NCv
fromv 9th- thv grade.v Ho e er,v youv dov ha ev tov putv in
.
hatv coursesv thev studentv illv bev takingv theirv senior Workingvasvthevdirectorvofvavdualvenrollmentvprogram,
year.v wdmissionsv dov lookv forv av continuationv or
Ivha evavlotvofvparentsvlookingvatvourvprogramvthatvask
increasev ofv rigor…v itv isv definitelyv notv av timev tov get
aboutv thev differencev bet eenv college-le elv programs
senioritis vorvtovslackvoffvinvthevcorevarea.
likev wP,v IB,v wIC5,v andv wVI1.v Whilev ourv students typicallyv takev lessv courses,v theyv oftenv takev morev core
wsvavreminder,vGPwvisvonlyvON5vfactorvcollegesvlookvat
classes.v wlso,v 1ualv 5nrollmentv coursesv ha ev anv added
henvdecidingvifvstudentsv ouldvbevsuccessfulvatvtheir
eight,v e ponentiallyv increasingv theirv recalculated
college.v Otherv factorsv includev wCT/v SwTv scores,
GPw-vthusvbecomingvmorevcompetiti evforvadmissions.
e tra-curriculars,v andv personalv story.v Butv ifv youv plan ellv byv takingv morev corev classesv andv morev rigorous coursesv yourv studentv
intovthevadmissionvcycle. By Dr. Amanda Sterk, CEO of Florida Center for Educational Planning & Author of College UnMazed: Your Guide through the Florida College & University System
14
UNMAZED MAGAZINE,
illv bev atv anv ad antagev going
While this student is similar and still taking all the requirements for high school graduation, by not taking on more rigorous courses and not as many core classes, their gpa actually went down once you take out the electives. They become a less competitive student than Student #2 & 3
So what you see here is that this student has taken on some AP courses and it helps in their weighted gpa. While they received a B in those classes, the extra 1.0 added to their recalculated gpa by the university makes it equal to a regular course at an A. What you can also see is that taking out the electives of weight lifting and pottery, reduced their overall recalculated gpa because those A’s do not count.
This student is taking full-time college course work through an Early Admission program. All coursework is weighted and they have fewer courses overall. However, all courses are credit baring, and will transfer to any state college or university. They are also building a college transcript.
WWW.UNMAZE.ME,
15
FEATURED
How to Earn a College Degree in High School
Florida Department of Education: Dual Enrollment Equivalency List Use the FL DOE Dual Enrollment Equivalency List to determine what college courses match high school requirements. For example: ENC 1101= 1.0 high school credit of English AMH 2010= 0.5 high school credit of US History, AMH 2020=0.5 high school credit of US History (total= your U.S. History credit + 6 college credits)
By: Brittany Cortez, Dual Enrollment Coordinator at Seminole State College
16
UNMAZED MAGAZINE,
YES!!! Yes, you can earn a college degree
. Make sure your school has a signed articulation
hile in
high school through the dual enrollment program at
agreement
many of the Florida State Colleges. And guess
ha e this information.
hat,
ith the college. Your counselor should
it is FREE!! Here are some tips to ha e a successful dual enrollment e perience as
ell as a sample
academic plan for both junior and senior year.
5. Kno
hich credits can be used for both high school
and college for e ample, ECON the Economics
01
may not meet
ith/ financial literacy re uirement for
high school graduation .
TIPS: 1. Kno
hat courses are re uired for high school
graduation and
. Look at the AA/AS and Bachelor’s program
hat you ha e left to complete.
re uirements for your intended major in college; . 9alk to BO9H your school counselor and a college
choose classes based on these re uirements
dual enrollment officer for program re uirements and · . Enroll in classes and pick up books
course suggestions. you can use a combination of dual
9he follo ing chart should not be used as an official
enrollment, Ad anced Placement, AICE Cambridge,
educational plan and is a sample only. It is based on a
International Baccalaureate, and CLEP to reach your
high school allo ing a student to take 15 credits junior
goals. Be sure not to o erlap on courses that e ual
and senior year. Some school districts limit credits to ,
the same college credit.
9 or 1 per semester so you
. Find ho
ill need to start in 9th or
10th grade to complete the full t o-year degree.
11th- Sem 1
11th- Sem 2
12th- Sem 1
12th- Sem 2
ENC 1101
ENC 1102
SPC 1608
WOH 2010
HUM 1020
POS 2041
STA 2023
ECO 2013
MAC 1105
BSC 2010C
MUH 2022
AA Elective
AMH 2010
AMH 2020
OCE 1001C
AA Elective
AA Elective
AA Elective
AA Elective
AA Elective
College credit can be a arded to courses to certain by scoring a / /5 on the AP e am, depending on the subject or passing the CLEP e am. Courses selected here are General Education credits and often can be substituted for another course in the appropriate Gen Ed section. AA electi es should be used to meet the prere uisite re uirements for an AA/AS or Bachelor’s program. Either
years of foreign language in high school or
semesters in college is re uired for all AA
programs and most Bachelor’s programs. 9here are some high schools called "Early Colleges" that are designed for students to complete an AA degree.
WWW.UNMAZE.ME,
17
MENTAL HEALTH
Back to School Anàietá and Tips to Overcome It Going back to school or beginning a college journey can
some things is normal. Such as going off to college and
be an e citing time for many. With a sea of ne
mo ing a ay from home. Ho e er, moderate or se ere
and opportunities, plenty of students
faces
ill find their
apprehension can take a big toll on the mind and body.
blood pumping and be on the edge of their seat ready
for ad enture. Sadly, there are also countless youth
For the student
ho are filled
ith dread and an iety as their first day
an iety
ho is combatting more than general
e ha e facts and tips to help you lessen and
approaches.
possibly e en release the feeling of
An iety can be described as: social discomfort, panic,
Facts
uneasiness,
You are not alone!
orry, and e en a state of apprehension. In
orry you are ha ing.
the midst of all the prepping and planning for the first
Remember 1 in 8 people are struggling
day,
an iety. In a class of 0 people there are
e tend to look past the possibility of fear or angst
ith some form of others thinking
that could be setting in on the student. According to the
the same things you are. Just kno ing you are not alone in
An iety and Depression Association of America, there
this battle helps to lessen the o er helming emotions you
are
may be e periencing.
0 million people in the United States that suffer
from some kind of an iety. 9hat is 1 out of 8 people
ho
are struggling, and most of them are not telling anyone.
An iet can be managed and treated.
9here is help, but you ha e to ask for it.
Some common signs and symptoms of an iety:
Students - many times parents and siblings ha e no idea
• Feeling ner ous, restless or tense
someone in the home is struggling
• Ha ing a sense of impending danger or panic
ha e gotten really good at hiding it.
• Ha ing an increased heart rate or breathing rapidly
Parents –
• S eating, shaking or tingling
your child, more than once, ho
• Feeling
them gently and ask open-ended uestions.
eak or tired
ith an iety because you
atch for the signs mentioned abo e and ask they are feeling. Approach
• 9rouble concentrating or staying focused • E periencing stomach problems
Kno
• Ha ing difficulty controlling
specialists on staff that students can talk to. It’s ok to sho
orry
that many schools ha e counselors and/or beha ior
up early to class and tell the teacher you need some help. 9here are se eral types of an iety ranging from general
9here are Life Coaches, Counselors, Psychiatrists, and e en
to se ere. It is important to remember that generally
the family Doctor that can help or lead you in the right
being
direction.
orried or feeling an ious about
"1 in 8 people are struggling with some form of anxiety." 18
UNMAZED MAGAZINE,
e ample: take a slo
Tips to interrupt the pattern of an iet
breath for a moment, and e hale to a count of . Do this
The Fist Clench 9his techni ue can be done any here and no one
ill
e en notice you are doing it. · Simply put your arms at your side, clench one fist and release the tension. · Clench your fist again, this time tensing up to your elbo , then release. · Clench your fist again, this time tensing up to your shoulder, then release. · Clench your fist again up to your shoulder, t o more times. 9his techni ue puts all the energy that
as feeding the
an iety into your hand and arm. Changing the placement of the energy interrupts the an iety and lessens the opportunity for it to take o er.
ill notice the body and mind rela ing. O er
time you can build up to an inhale of
ithout anyone
noticing. A rela ing chemical is released in the body any time e inhale. For
e
and e hale of 11.
Subtle Self-Reminder When you feel an iety creeping in, take a moment in your mind to stop and think. When you stop, this creates that interruption in the an iety pattern. Once you stop your mind, notice that you are still breathing, call to your mind that nothing dangerous is actually happening. 9hink to yourself, I am ok, I am breathing, this is only an attack. When you feel o er helmed
ith apprehension or
an iety it can be scary. Remember that you are not alone 9ell someone
Seven Eleven Breathing
deliberately e hale longer than
times, you
and there are se eral
9his breathing pattern can also be done
inhale to the count of , hold the
ays to o ercome these feelings.
hat is going on and ask for options to
lessen the issue. Once you get past it you’ll breath easier and maybe you can help someone else.
Shantell Fonock is a Certified Hypnotherapist, Life Coach and a member of the International Association of Counselors and Therapists.
FEATURED
Tips for Parents Who Have Saved Almost Nothing for College Gi en the rising cost of college and the une en economic reco ery, there
ill be a lot more families facing this sort
of thing in the coming years. Here are eight things to consider:
here they stand. Ho much can you spend? Ho
much ha e much are
illing to borro ? Sit do n and e plain it to your
high school sophomore or junior. If you don’t kno ans ers, that’s ok. E plain
the
hat the ariables are that
might affect the outcome. 9hese aren’t al ays easy discussions. Ho e er
hen
you fill out the FAFSA
the application for federal
financial aid , your child
ill need to sign it, and it
ill
include your income and other information. So they
ill
kno
sooner or later.
regrets. Chances are, ho e er, you’ e put a lot of your discretionary money into a nicer place for your family to li e, enrichment acti ities for your kids and family ill create lifelong memories. 9hese are
good things. Your children probably do not resent you for them. You certainly don’t o e them an apology, gi en that you don’t yet kno
20
hat the outcome
UNMAZED MAGAZINE,
ill fall belo
hat the state uni ersity
ould charge him, e en if it’s not Julliard. 9here’s only one
ay to kno
for sure, though, and that’s to apply to
as many schools as possible. Include at least a fe here a child might be
ould be
ell abo e a erage; the schools
illing to discount generously to attract a
handful of special first-year students. Yes, there are application fees for each one, though you can ask for a ai er if money is particularly tight. .) GAP YEAR 9here is no rule saying that e ery 18-year-old has to go comes
You ha en’t sa ed anything yet. Maybe you ha e some
and
illing to gi e him so many grants that the
straight from high school to college. Military ser ice
.) DON’T APOLOGIZE
e periences that
Julliard School. Or there may be a pri ate college out o erall cost
Kids should kno you
Maybe your child is a good enough dancer to attend 9he there that’s
.) BE HONEST you sa ed? Ho
.) APPLY TO A NUMBER OF SCHOOL
here they’re going to college ill be.
ith many financial benefits. Other high school
graduates li e at home for a year and
ork as many
hours as they can to sa e money for college. E en if they only
bank
$10,000
in
1
months,
represents represents loans they
that
money
on’t ha e to take out
later. Plus, older students tend to get better grades than 18-year-olds sprung loose from home for the first time. A year of e perience may also help
ith other jobs later.
By Bud Jenkins, Owner of Floridian College Planning Resources LLC.
.) COMMUNITY COLLEGE Employers and graduate schools seldom care
here
you started. If there is a good community college nearby, li ing at home and starting college there may be a good idea. Make sure from day one you figure out
hat you need to do to transfer to a
top four-year school
ith your credits intact.
6.) USE YOUR LACK OF ASSETS AS A STUDENT ASSET Ha e your child use
hat they’ e learned from hard
ork. 9hey may set themsel es apart
hen
riting
college admissions essays. .) SCHOOL LOAN DEBT Your child
ill probably need to borro
money to pay
for college. You may decide to borro
as
ell,
depending on your situation. If the student needs to borro
more than the ma imum amount that the
federal student loan program allo s each year, then it’s probably too much. Once a student starts borro ing from banks in addition to the go ernment, the debt from the pri ate lender isn’t eligible for the federal
income-based
repayment
program.
9hat
option can keep people out of financial trouble if they’re ha ing problems affording their federal student loan payments. With parents, it’s a little trickier. 9he federal go ernment
ill lend you
hate er you need to pay
for college costs if you pass a basic credit check. Whether you should borro , ho e er, depends on ho
many children you ha e, ho
need to retire and ho
much money you’ll
long you can keep
orking,
among other things. Just remember, taking on a lot of ne
debt is probably not
ise.
.) SEEK ADVICE FROM A COLLEGE PLANNER Many high schools do not or cannot do a great job gi ing
students
ad ice
on
picking
the
right
college. Fe er still kno
a lot about the finer points of
financial aid. So you’ll
ant to turn to a professional
for ad ice. 9his too may be a bit uncomfortable, but it can get easier to disclose financial particulars to others
hen your children’s future is at stake.
Shifting From Negative to Positive: The Fastest Way to Change Your Perspective Do you
ant better grades? Do you
ant a better social
life? Do you
ant better friendships? Do you
happy
hat you ha e instead of al ays
ith
hat you don’t ha e? Do you
ant to be anting
ant a better job? A better
really! I am not just saying that because it is cli ue. 9he ans er you are seeking is inside of you. You already ha e the ans er to ho
to get better grades,
a better job, a better body, a better relationship, and a
life?
better life. 9he ans er: li e in a gratitude. Be grateful
for
9he need for instant satisfaction is more present no
bring about more
than e er before. We
ant it better.
hat you
ant.
If you are constantly looking at all the negati e
hate er I9 is for us ? You may think you need to
e periences, people, and places in your life, then that
ant it NOW! But, ho
do
read hundreds of self help books to get the ans er you
is all you
are seeking. You may think you need to chat
grades you recei e, then you
e eryone about your problem, in hope they hat you are supposed to do to get
hat you
ith
ill tell you
rong
ith you,
hat you
ill continue to recei e
more bad grades. Why? Because
hat you focus on gro s. 9he brain is
ired for al ays ans ering
hich, you think, is the ob ious reason
hy you aren’t getting
ill e er see. If you only focus on all the bad
ant. You
may think you need therapy because there is something
ith a YES.
ant.
9he ery act of you asking and Let me tell it to you straight, there’s nothing
rong
you. You don’t need to talk and talk and talk about is
ay to
e get I9
Faster. Stronger. We no
ant it no . We
hat you already is the fastest, easiest
rong
ith hat
ith you. You don’t need to read hundreds of
ishing for
hat you
ant indicates to the Uni erse, to God, to your subconscious that
hat you
does
it
not
e ist,
ill
books to get the ans er you are looking for. 9he ans er
e perience. Why? Because
you are seeking is inside of you. Yes,
and the brain is
ant does not e ist. If it not
come
into
your
hat you focus on gro s
ired for al ays ans ering
ith a
continued p. 24 WWW.UNMAZE.ME,
23
FEATURED Shifting from Negative to Positive Continued... YES. If you start
ant something to impro e, you must first
ith gratitude.
Why? Because
By being thankful for about more of
hat you focus on gro s. 9he brain is ith a YES.
Ho
ery act of you asking and
ishing for
hat you
ant indicates to the Uni erse, to God, to your subconscious that
hat you
does not e ist, it
ill not come into your e perience.
ant does not e ist. If it
hat you focus on gro s and the brain is
ired for al ays ans ering
ith a YES. If you
something to impro e, you must first start
ant
ith gratitude.
By being thankful for about more of
hat you already ha e
ill bring
hat you desire. Why? Because
hat you
focus on gro s. Are you starting to get it no ? can you be thankful for
hat you ha e isn’t 9he
hat you
ant? ishing for
hat you
subconscious that
hat you
ant does not e ist. If it
does not e ist, it
ill not come into your e perience.
hat you focus on gro s and the brain is ith a YES. If you
something to impro e, you must first start
hat you already ha e if
hat you
ant?
grades, be a are of and notice
ant better
hen you ha e recei ed
good grades in the past. 9hen, take a moment to be a grateful for those grades and the
ork you put into
recei ing those grades. Another e ample is
hen you
ant a better body. You
may look into the mirror and see a reflection that is 10, 0, 50 pounds more than you
hat you desire. 9o get
hat
ant, a better body, you must be thankful for
hat
ibrant, strong body that allo s you to mo e and go here you
ant to be. Be grateful for
Why? Because
ant indicates to the Uni erse, to God, to your
ired for al ays ans ering
can you be thankful for
You must simply begin. For instance, if you
hat you already ha e if
ery act of you asking and
Why? Because
hat you
you already ha e. You ha e a fully functioning, healthy,
Ho
hat you desire. Why? Because
hat you ha e isn’t
Why? Because
ill bring
focus on gro s. Are you starting to get it no ?
ired for al ays ans ering 9he
hat you already ha e
ant
ith gratitude.
hat you do ha e.
hat you focus on gro s. 9he more you
focus on the strong, healthy,
ibrant, fully functioning
body you already ha e, then the stronger, healthier, more ibrant, and better your body
ill function for you.
9he same goes for e ery aspect of your life and
hat you
desire. You must first start by li ing in gratitude for
hat
you already ha e. Period. End of story. Look for the positi e e periences, people, and places already in your life and more of those positi e e periences, people, and places
By: Sarah Sparks, Founder of Create the Spark
24
UNMAZED MAGAZINE,
ill begin to sho
up for you!
"You must first start by living in gratitude for what you already have."
Why Subscribe to www.UnMaze.me?
1. You are a teen 2. You have a teen 3. You work with teens
FEATURED
o t p a Road M
r u o Y d Buil e r u t u F Your
Establishing and learning ho
to prioritize through
good plan can hinder progress
planning is a key component to the success of your
hen it does not fit
ith your purposeful academic journey. A
ell thought
academic journey. Any elements that do not belong to
out plan is the only effecti e force of defense that can
the purpose of your academic plan must be put aside or
securely guide your academic journey. A
completely eliminated, regardless of if they might appear
plan
to be good plans. Unless it clearly aligns
and ho
purpose, it must be rejected. E en a
ith your
ill help you to learn ho
success.
By: Dr. Etinne Juanice , author of 3 Steps to Guide Your Children's Educational Future
ell-balanced
to prioritize your time
to remain focused in order to achie e
Furthermore, a plan
ill help you understand ho
organize your time during the day and ho
to
Charting the Course
to define and
set standards for your education. 9hese standards based on not just passing your classes, but about ho
ill be ell
In this educational planning process, you the steps you In so doing, you
An effecti e plan
of many
you in the realm of e cellence.
ill come to see ho
success is the product
ell-planned little steps. Planning these steps
includes ha ing you to ans er uestions like the follo ing: • Ho
many credits
ill I need for graduation?
In order for you to plan effecti ely, you must structure your
• What grade point a erage GPA
plan in such a
of school?
ay that it supports your purpose. Central to
this idea is helping to focus on defining an education and ho
rite do n all
ill need to take in order to achie e your goal.
you pass your classes based on your abilities and potential. ill set you apart from mediocrity and put
ill
hy you
this education
ill take me to the choice
ant to get
• Ho
many community ser ice hours
ill help you fulfill
• Ho
much
your life’s purpose.
ill college cost
ill I need to accrue?
hen I factor in tuition, room,
and board? What is my plan for researching and applying for scholarships?
Your academic journey can be impacted by many choices that are a ailable to you in school. In addition to all of the
A former student of mine created an educational plan for
social aspects of school – and the myriad of choices that
himself,
come along
ith peers – you are
in his school district. When he graduated from high school,
ith the options of choosing bet een
he had also earned his associate’s degree. By creating a
doing home ork or Facebooking, 9 eeting, Face9iming, or
plan and staying focused on the steps needed to achie e it,
You9ubing.
he sa ed his parents t o full years of college tuition and
ith your daily interaction
also bombarded
hich led him to enter the dual enrollment program
as able to enter college as a Junior, literally years ahead of In helping you to stay focused,
e encourage you to focus
many of his classmates.
on the particular subjects that moti ate you. 9his moti ation ill propel you to ards the completion of those parts of
9he secret of creating an educational plan
orks
ill re uire
school that you find less enjoyable. We also encourage you
to take the time to think through and then
to continuously connect the small decisions that you make
necessary to achie e the goals that you listed in your plan. It
e ery single day back to the larger purpose of your
can be a tedious process, but the end result is
education.
effort.
Once you kno
rite out the steps ell
orth the
hat moti ates you in school, you can tap
As an e ample, if one of your goals is to make the honor roll,
into this moti ation fre uently. For e ample, if your fa orite
then you must identify the steps re uired to attain that goal.
part of school is being able to spend time
You must ask themsel es uestions like:
ith your friends
or play sports, then you can use this moti ation to keep up
• Do I ha e to pass all my classes
eligible to continue to play the sports into your academic
• What
responsibilities.
• Can a C impact my chances of making it to the honor roll?
Here are some
uestions you can ask yourself for a self-
ith As?
ill happen if I earn a B?
9hinking through these
uestions can help you to stay on
e aluation: Why do I go to school e ery day? What dri es
track and not lose focus. Remember, the plan is just a
me? In
starting point. It is simply a design tool to guide your
hat
ays am I taking o nership o er my o n
educational future? Although these
uestions may seem
educational purpose; therefore, as your purpose begins to
ith the right guidance and
de elop and take shape, you may ha e to make some
support you can connect the dots and stay focused on the
alterations to your plan. Adjustments are fine, as long as you
right course of action needed to get you to achie e
can stay firmly focused on the ultimate goal.
your educational goals. Seeking the ans ers to these
o er helming at times,
WWW.UNMAZE.ME,
27
ASK THE EXPERT
In College Admissions, It's Not Always About the Grade When
e discuss all of the elements of college
because that course deli ered
planning and ad ising or the cat and mouse game
kno --if
students play
meaningfully to them--colleges
ith college admissions offices or
strategies that can eek out a fe SA9 or AC9
e tra points on the
can
con ey
that
anted to
genuinely
and
ill be hard pressed to
fault you for that.
e are far too often o erlooking the most
critical element of our educational system, the pursuit
One of my recent graduates
of kno ledge.
interested in nursing. No , this
achie ing student but she decided to participate in our
In my actions as a counselor, I’m as a guilty of this as
CNA program during her senior year. 9his program is
anyone else. Ho e er, I do try to catch myself no
designed for students
and again and try to remember that all that
CNA certificate and go right to
e do in
as as a ery high
ho are most likely to take their ork after high school.
schools should come do n to learning. If a student
9he program pretty much consumes the course
orks to lea e each school day kno ing a little more
selection of senior year and is frankly not one that
and being just a little sharper than they
ere the day
looks as rigorous as a full slate of AP classes. Well,
before, they are doing something right.
this student got into the Uni ersity of Pennsyl ania, an
I y League school, and
When
e start talking about college admissions,
e
ill be there this fall. I think
Penn appreciated the fact that she
lose oursel es in a difference in grades bet een an 89
nurse, so she took classes that
and 90. We’re not so
most e perience in that. She just
orried about our mastery of the
content co ered on the SA9 as
e are about
hether
there is a penalty for guessing on the test. And, pass up the opportunity to take classes
e
e might be
she
anted to learn. Ho
anted to be a
ould gi e her the anted to learn
hat
can any academic
institution hold that against you?
interested in because it might not carry the AP
9he ery best students are a are of their grades but
designation or be a
at the end of the day, they just
eighted credit.
ant to be the
smartest person in the room. 9he hard
Okay, college admissions is a big deal and an intricate
put in doesn’t necessarily come from a place of trying
process, so
e ha e to do those things. 9hough, I
to get the best grades or the best scores so they can
think if students remember their job is to learn and
go to the best college. It comes from an internal dri e
ork
ith that mindset in the forefront, their goals
come along. It’s all in ho
to be better. If a young person can de elop that as
you spin it to the colleges. If
their primary moti ator and e ecute accordingly, the other pieces are sure to fall into place for them.
UNMAZED MAGAZINE,
ork that they
ill
you’re able to con ince them that you took a course
28
you
hat you
By: Rob Hicks, School Counselor and Blogger at Guidey.Blogspot.com
Find Your Path
YOUR PATH TO SUCCESS
Online Courses & Individual Planning Academic Planning for Success Scholarships Made Easy Florida College Admissions Selective Colleges Admissions
Learn how to build an academic plan that lays the foundation to college coursework, college admissions and scholarships with ease and confidence. Â FOR MORE INFORMATION VISIT WWW.FLCENTEREDU.ORG
How to Create Student Academic Independence and Stay Connected! Therev isv av trickyv balancev ofv creatingv academic
reminderv onv yourv phonev ifv necessary-v tov stay
independencev inv yourv childv butv tryingv tov remain
connected.v Checkingv itv
connectedv
ithv theirv academicv progress.Therev isv a
importantvsovyouvha evimmediatevfeedback.vIvsuggest
trickyv balancev ofv creatingv academicv independencev in
e eryv Thursday,v sov ifv therev isv anv issuev theyv canv ask
yourvchildvbutvtryingvtovremainvconnectedv ithvtheir
thev teacherv onv Fridayv andv
academicv progress.Therev isv av trickyv balancev of
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orkv onv itv o erv the
eekend.
creatingv academicv independencev inv yourv childv but
Ho v oftenv tov dov it:v Oncev av eek,v particularlyv before
tryingv tov remainv connectedv
thevendvofvthevquarters/vsemesters.
ithv theirv academic
progress. Therev isv av trickyv balancev ofv creatingv academic Ivha ev orkedv ithvmanyvfamiliesvthatvfirmlyvbelie ed
independencev inv yourv childv butv tryingv tov remain
theyv
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erev gi ingv theirv childv "independence"v and
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"responsibility",v butv inv realityv itv meansv parents
trickyv balancev ofv creatingv academicv independencev in
disengagev fromv thev academicv process.v Whilev some
yourvchildvbutvtryingvtovremainvconnectedv ithvtheir
studentsv arev
ellv adeptv atv thev skillsv neededv tov be
academicv progress.Therev isv av trickyv balancev of
academicallyv successful,v suchv asv timev management,
creatingv academicv independencev inv yourv childv but
studyvskills,vandvproblemvsol ing,vmostvteensvarevjust
tryingv tov remainv connectedv
learningvthesevskillsvandvha evyetvtovmastervthem.
progress.
ithv theirv academic
Inv highv school,v ne v gradingv systemsv andv amountv of orkv canv quicklyv becomev o er helmingv forv many
) Access their LMS- Besidesv grades,v teachersv often
students.v Unfortunately,v byv thev timev parentsv realize
utilizev av learningv managementv systemv LMS v
here
therev isv av seriousv issue,v gradesv becomev almost
theyv canv putv upv
unreco erablevandvthevstudentvisvleftvfeelingvdefeated
presentations,vandvsovforth.vIvamvamazedvatvho vmany
andvunmoti ated.
parentsvdovnotv ie vthisvpartvofvthevclassroom,vasvitvis
ideos,v notes,v quizzes,v tests,
oftenv italvforvstudentvsuccess.vIvhadvavparentvcomevin Sov hetherv yourv studentv isv inv middlev schoolv tov their
furiousv aboutv av student'sv testv gradev forv themv to
seniorv e envcollege! vyear,vtherevarevsimplevyetvhighly
realizevthatvtherev asvavpracticevtestvtheyvcouldvtake
effecti ev aysv tov instillv academicv independencev but
unlimitedv times.v Thev studentv ne erv accessedv it,v thus
stayvconnected.
hyvtheyvfailed.vWhilevitvisvhardvtovmanagev7vclasses, ha ingv anv understandingv atv thev beginningv ofv school
) Utilize the online grading system. Highv schools andve envsomevcollegevcoursesvusevgradingvprograms
hatvtove pectvfromvthevteacher'svLMSvcanvallo vyou tovhelpvifvtherevisvanvissue. WWW.UNMAZE.ME,
33
LMS GRADES
SYLLABUS
) Know how the teacher/ professor grade- Many
hatv isv due-v simplyv ha ev themv
ritev itv do nv inv one
teachersv ha ev itv labeledv inv av syllabusv ho v theyv grade
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theirvclass,vandvit'svclearlyvlabeledvinvthevonlinevgrading
How often to do it: Oncevav eek,vsamevdayvasvchecking
systems.vKno ingvifvthatvtestvtheyvarev orriedvaboutvis
grades.
%v orv
%v ofv theirv gradesv makesv av bigv differencev in
ho vavstudentvshouldvstudy.vIvfindvstudentsvoftenvfocus onv thev lo erv percentagev assignmentsv becausev they
) Check in with the teacher and counselor- Therevare
tendv tov bev morev fun-v likev dra ingv maps,v creating
onlyv t ov possiblev reasonsv forv anyv issue,v
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brochures,vorvde elopingvavproject.vHoursvcanvbevspent
relatedv orv v Teacherv related.v Ifv youv feelv thatv thev same
onv somethingv thatv hasv littlev pointv aluev orv impactv in
problemvkeepsvcomingvupvandvthevstudentvseemsvtovnot
lieuvofvstudyingvforvthatvbigvtest.
bevresol ingvitvonvtheirvo n,vyouvneedvtovfindvoutv hich
How often to do it:v Beginningv ofv thev schoolv year,v and
reasonvitvcomesvfrom.v5mailvthevteacher,vandvfollo vthis
refreshveachvsemesterv possiblevne vteachers .
style,v "1earv Mr/v Ms.v XYZ,v Iv ha ev beenv tryingv tov help Studentv Namev bev morev successfulv inv yourv class.v Ifv you
) Ask for a rubric- Iv oftenv ha ev parentsv comev in becausev theyv arev iratev thatv av projectv av studentv spent
hyv Studentv Namev isv struggling,v Iv
ouldv bev ery
hoursv onv recei edv av lo v score.v Whatv thesev parents
appreciati e." Thisv simple,v yetv highlyv effecti e,v email
failedv tov dov
asv askv theirv studentv forv thev teacher's
allo sv thev teacherv tov feelv likev yourv arev helpingv not
rubric, av documentv thatv clearlyv definesv ho v the
yellingv orv beingv acquisitory ,v openv endedv sov theyv can
teacherv isv gradingv forv thatv particularv project.v Utilize
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thatv rubricv asv ifv youv arev thev teachersv gradingv them.
theirv timev andv appreciatev av response.v 1ov notv bev the
Whatv canv sometimesv bev "gi e-me"v pointsv putting
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semestervorvyearv yes,vIvha evhadvY5wR! vtovcheckvinvand
costlyvifvnotvdone.
problemv sol e.v 1on'tv lea ev itv onv thev teacher/v schoolv to
How often to do it:v wsv needed,v primarilyv forv big
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projectsvandv rittenv ork.
How often to do it:vwsvneeded
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Inv thev end,v rememberv thatv justv becausev theyv arev inv a ne v grade,v theyv stillv needv helpv inv figuringv thingsv out.
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34
couldvhelpvmevunderstandvinv hichv aysvIvcanvdovthatvor
UNMAZED MAGAZINE,
ev oftenv startv outv strongv inv the
CONFERENCE
PLANNER
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PARENTING
The ABC's of Personal Finance for Parents Today
40% of parents are still paying off their own student loans. 44% of parents prioritize saving for retirement over college costs By Stacey Adams, Financial Planner with Alliance Financial Group
38
UNMAZED MAGAZINE,
Education is a series of building blocks. You learn
disability and life insurance offered from your
how to add and subtract before you learn how to
employer should not be your only line of defense.
multiply and divide. However, when it comes to
Disability only covers 60% of your income, and when
money and building wealth, there are IMPORTANT
it comes from your employer your benefit is taxed.
steps that are overlooked or ignored. The result
Individually owned policy benefits are not. Life
tends to look less than desirable. Here are the ABC’s
insurance from an employer is rarely anywhere near
of personal finance. Top 3 things to understand
what would allow your family to survive without your
when it comes to your finances:
income. Besides, not everyone can qualify for these benefits in the marketplace. Your age and health will
1) Accumulation - ALWAYS Pay yourself first!
dictate eligibility so don’t wait get these while you are
Create a budget and make YOU one of bills. Treat it
young, keep them because it is a game changer if you
the same as you would your electric bill or your cell
don’t.
phone bill. You wouldn’t just stop paying those, so don’t stop paying yourself. Ideally you should be
3) Cash - I am not speaking about cash in the literal
saving at least 20% of your annual income. If you
sense, (but I needed a “C”) I am referring having a
can’t start there, figure out a percentage that you
level of liquidity. Before you start socking money into
can work with consistently. When you receive a
your company’s 401k, make sure you have a reserve
bonus or a raise, make sure you address “your bill”
fund (6 to 8 months minimum). Too many people
first before adding that additional money into your
ignore this one and immediately start putting their
lifestyle pipeline. Savings on a regular and ongoing
money “in jail” in retirement fund. The problem,
basis will always trump chasing a rate of return.
accessing that money prior to 59 ½ will lead to penalties and taxes. Taking a loan out from a 401k to
2) Barrier –Protect yourself from life’s lemons. We
pay for life’s curve balls is a one two punch. Not only
all know life is not a straight line. You will be thrown
have you now increased your tax liability and paid a
curve balls, so put a moat around your money. We
penalty, but you are robbing from your tomorrows to
never expect to get fired, laid off, sick or injured. But
pay for today. Create a “rainy day fund” FIRST, then
when it does happen the effects on your income,
add to a retirement fund.
savings and future can be nasty. Whether you have group benefits at work or not, it is vital that you
And remember it is never too late to go back to
OWN your protection. The
basics. If you have made financial missteps, sit down with a professional and get on the right track. Your future self will thank you for it.
Parents are saving more for college this year than in the past, yet their preparedness could still use improvement. The average amount saved is around $18,000, up more than 10% from 2016 — and the highest amount since 2013, according to lender Sallie Mae's 2018 report, "How America Saves for College." WWW.UNMAZE.ME,
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