If you re reading this, you re all set, parrned

if you re reading this, you re all set, parrned
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It's important to realize that being a problem solver isn't just an ability; it's a whole mind-set, one that drives people to bring out the best in themselves and to shape the world in a positive way. Rather than accepting the status quo, true problem solvers are constantly trying to proactively shape their environment. Imagine how different our world would be if leaders like Mahatma Gandhi, Martin Luther King Jr., Eleanor Roosevelt, JFK, and Steve Jobs lacked this attitude.

I saw the importance of problem solving first hand when I was working as a consultant for the global management consulting firm McKinsey & Company. For six years, I worked with major companies all over the world to help solve their business challenges using a straightforward yet powerful set of problem-solving tools. And these were tools that anyone could use. They didn't require complicated computer software or an MBA. These simple approaches are basic enough for a child to understand.

Now I'm focusing on helping kids put that attitude into practice. The experience kids get from having an idea, taking initiative, and learning from both their successes and their failures is invaluable. So I'm creating more opportunities for them to learn from real-life situations rather than just in the classroom.

By assuming responsibilities one at a time while still living at home, you can slowly acclimate yourself to financial independence. And if your parents won’t take any money from you, put what you would have given them toward your savings. You can eventually use this money for a security deposit and first and last months’ rent for your own home.

If you’re constantly clashing with your parents over the rules of the house, that may be a signal that it’s time to move out. However, don’t let emotions guide your decision. Moving out prematurely can be disastrous to your financial health, and if things don’t work out, you may find yourself moving back home – or worse, falling into debt. Be patient, prepare your money, and don’t take on the responsibility until you’re financially and emotionally ready.

Valencia Higuera is a personal finance junkie who enjoys reading articles on budgeting, saving money, and credit cards. She has written personal finance articles and blogs for several online publications. She holds a B.A in English from Old Dominion University and currently lives in Chesapeake, Virginia.

Maybe a little sappy, but a cool book to give as a gift when a new child is entering a family and everyone might benefit from knowing why they're the favorite. Comes with three small (finger-puppet size) figures to represent other children--or even other kids and dad! Was a big hit with the gift recipient at a recent shower, and I hope that Robert will enjoy sharing the story with his new sister, Vivian.

The Northern Ireland native started writing children's books when he was a teacher in his thirties, with the aim of helping out students who had trouble reading. But he continued writing for a more-personal reason: "the act of imagining simply makes me feel good," he says. The fifty-seventh book of Sam McBratney's career, and his first book with Candlewick Press, was the much-loved GUESS HOW MUCH

I recently discovered that Sam McBratney and Anita Jeram, author and illustrator of Guess How Much I Love You (one of my favorites), have another sweet picture book, You're All My Favorites. It's written for a preschool age audience, but my older kids love it, too. Really, who doesn't want to hear the message that all of their parents' children are, indeed, "favorites". It's an especially good book for a child with a new sibling.

Picture Book; Already in my school collection! Love it! Sweet story of mom and dad bear with three little bears. Their baby bears want to know if they are the BEST bears in the whole world and who is their parents' favorite. Soft, lovely illustrations. Grade K-2; Highly recommended.

Books with mirrors and different textures (crinkly, soft, scratchy) are also great for this age group, as are fold-out books that can be propped up, or books with flaps that open for a surprise. Board books make page turning easier for infants and vinyl or cloth books can go everywhere — even the tub. Babies of any age like photo albums with pictures of people they know and love. And every baby should have a collection of nursery rhymes!

Between 6 and 12 months, your child is beginning to understand that pictures represent objects, and most likely will develop preferences for certain pictures, pages, or even entire stories. Your baby will respond while you read, grabbing for the book and making sounds, and by 12 months will turn pages (with some help from you), pat or start to point to objects on a page, and repeat your sounds.

In addition to the books you own, take advantage of those you can borrow from the library. Many libraries have storytime just for babies, too. Don't forget to pick up a book for yourself while you're there. Reading for pleasure is another way you can be your baby's reading role model.

Believe it or not, by the time babies reach their first birthday they will have learned all the sounds needed to speak their native language. The more stories you read aloud, the more words your child will be exposed to and the better he or she will be able to talk.

Nucci points to cross-cultural studies of adolescents: "We know that when parents over-intrude, when they start controlling things that are really, truly personal — like keeping your diary private and [other] aspects of your self-expression — that kids even in rural China self-report depression."

Marilena DeSantis of Manalapan, NJ, remembers when her two oldest children were small, and she worked nonstop to create picture-perfect, memory-inspiring activities. But she says it made them too dependent, and she felt that she was losing her identity. After her third child was born, DeSantis realized that her kids could spend time with her without being entertained.

“I'm a big believer of mealtimes together with no screen time,” Laursen says. “You would be surprised how many parents who make that rule then turn around and break it by picking up their own phone, answering emails, or turning on the TV. The rule has to be for everyone.”

For instance, education has changed. We've learned to classify the world, to compare groups like animals or modes of transportation, Flynn said. We've also been taught to accept hypothetical situations (you remember algebra, right?). Our ancestors dealt only with what was right in front of them.

There are different kinds of IQ tests, but most analyze your visual, mathematical and language abilities as well as your memory and information processing speed. A licensed psychologist administers a series of subtests; the results are then combined into one score: your IQ.

"From an energetics standpoint, a developing human will have difficulty building a brain and fighting off infectious diseases at the same time, as both are very metabolically costly tasks," the authors of one study wrote.

You probably remember the dreaded SAT or ACT test you took in high school. That's a type of IQ test. But Nisbett believes that a student's grade-point average is a better predictor of their success than their test scores.

My 5-year-old Cheetah, being tested for Kindergarten, was sitting across from an examiner. The man would hold out his fingers and say really slowly "How many fingers am I holding up?" My cheetah patiently answered correctly for a few turns and then suddenly started giving numbers much higher than what the examiner was holding up. I was confused until it dawned on me that my cheetah was doing a running score of how many fingers were being held up because he was bored. The tester was dumbfounded when he realized it. Those cheetahs... when they run fast, they are out of sight. -- Danielle

When my 16 month out just brought her clothes and demanded to get dressed. Then said SHOES! and had me put them on, banged on the patio door until I opened it and said THANK YOU. Then proceeded to pick up a maple leaf, handed it to me and said ONE. Did it again, said TWO and repeated until we reached 5 maple leafs. Then went back inside and started to play with her doll house. I'm sitting here wondering what the plan for five maple leafs is and when did she learn how to count to five? -- Danette

When your 2-year-old suddenly begins climbing down out of his high chair at dinner time and, when asked where he's going, says "Go watch Jeapar-wee." And he proceeds to do so, glued to the television until Final Jeopardy is complete.  (He's 15 now and I asked him the other day why in the world he liked the program so, since he obviously didn't know the answers to the questions. He answered, "Mom, I just loved to listen to the words. It was the language." This is a kid that's 12,000 words into writing his first novel, set in an original fantasy world of its own.) -- Carlene

You are putting your kids to sleep, telling them quietly "now is the time for all the animals on this side of the world to go to bed - all the boys, all the girls, all the mommies..." and your sleepy seven-year-old interrupts you and says,  "Mom, did you know that early primates were colorblind, which made them nocturnal? So unlike today, they wouldn't be sleeping right now..." -- Allison

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