My 11 year old just received a CREDIT CARD!!!

Written by Yolanda Kennedy


Continued from page 1

Educate your child aboutrepparttar importance of their social security number and how they have a right to keep it private. Also, take note of these tips to minimizerepparttar 111557 credit madness:

•Most doctors, dentists and other medical professional offices like to have social security numbers for record keeping purposes. If you are asked for your child’s social security number find out why they need it, if you do not think that it is a viable reason, you can refuse to give it. Your child is not responsible for payingrepparttar 111558 bill and they probably already have your social security number because you arerepparttar 111559 one insured.

•If your child insists on gettingrepparttar 111560 latest free download (even if it is a kid’s site) give your contact information.

•Call The Opt-Out Department at 1-888-567-8688.You can have your family excluded for 2 years or permanently from allrepparttar 111561 pre approved credit offers that userepparttar 111562 major credit reporting databases .

Above all, be as protective about your child’s personal information as you are with your child. Just like we teach our children to be cautious toward strangers, we need to teach them to guard their personal information equally as well.

Yolanda Kennedy is a mother, wife, friend and neighbor who believes education is the key to building the life you want for your family. Her business www.UnitedHomesByOwner.com helps homeowners save thousands instead of paying it to an agent.


8 Tips to Ease the Morning Blues

Written by Barbara Myers


Continued from page 1

4. Pack lunches and set out lunch money.

5. Have everyone prepare his or her briefcase, backpack and purse, and place them byrepparttar door.

6. Install a key hook byrepparttar 111556 door and make sure your keys are on it.

7. Keeprepparttar 111557 TV and radio off (unless you have a small child, then it can be a much-needed sitter while you get dressed). They're too distracting and can cause you to run late.

8. Letrepparttar 111558 answering machine pick uprepparttar 111559 phone. You can screen calls and only answerrepparttar 111560 truly important ones.

Have a stress-free morning tomorrow!



Barbara Myers is a professional organizer and speaker. Free tips booklet and e-zine to help you take control of your time by organizing your life. Visit http://www.ineedmoretime.com


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