Sex Talks: Help! My Kid’s The Town Crier!

Talking to our kids about sex is challenging – for everyone, even me! You feel anxious about all kinds of things like their loss of innocence, or telling everyone and their cousin. You worry they’ll go out and try it or will think that by talking to them you’re giving them permission to do it. You worry about what other parents (and your parents!) will think if you talk to your kid at a young age.

But, you’re feeling great! You whacked up the ginger and read ALL of Robie Harris and Michael Emberley’s “It’s SO Amazing!” book about how babies are made to your 8 year old. She was a little grossed out, had some questions and seemed to understand how sex works. Whew! You are on your way to some great conversations.

You even remembered to tell her “This is a private conversation we have in our family and not with other kids or adults. Other moms and dads want to be the ones to tell their kids about this important part of life. You can always talk to me about it if you have questions or concerns.” Super! You rock!

And then…your lovely child heads straight to her best friend at school and fills her in on all the details! And then you get a call from the friends’ outraged parents and maybe even the school. Not a great moment in sex education history, but not to worry, all is not lost.

Consider this – You’ll probably spend 10 or 15 minutes on the phone with the upset parent explaining your beliefs about sex and kids and that you asked your daughter not to talk to other kids about this. You will apologize, tell them that you’ll remind her of this and then offer the parent a resource for getting more info about talking to kids.

Now consider this – You want to have open and consistent conversations with your child about sexuality, love and relationships throughout her youth, right? This is the most important part of this scenario – your relationship with your child.

When you compare the two, which is more important? The freaked out adult who now is forced into having a conversation they should be having anyway? Or your child who knows you are a trustworthy resource and will look to you for help and support for years to come?

When you start these conversations with your children I strongly recommend you tell the parents of her closest buddies, your parents and any other adult she has regular contact with. They need to know so they can step in if she starts blabbing, asks them questions or the like. It’s easier on everyone if they are prepared in advance for any little surprises.

When my son was about 3 or 4 we had read parts of “It’s SO Amazing.” He loved looking at the pictures of bodies and was very into reading this book. One day he was at my in-law’s house and he looked at my lovely mother-in-law and announced “You have a vagina!” She knew we’d been reading this book and took it in stride. We had prepared her for moments like this.

When it comes to talking to your kids about sex, you cannot worry about what the neighbors might think. The most important relationship is the one with your child. So take a deep breath, exhale, and get ready for the next conversation.

Financial Services Funds For A Down Market

Buying into a financial services fund may not seem like the best idea, especially with the amount of instability in financial markets right now. But many experts and investors are saying that now is the time to invest in these kinds of funds. With prices so low, they are only going to grow from here on out as the financial climate of the nation continues to be repaired.Financial services funds are a type of mutual fund that is specifically focused on banks, lending institutions and other financial services companies. Mutual funds allow investors to get into the stock market without spending a lot of money on one type of stock. With a mutual fund, you are technically pooling your money with other parties and buying stocks as a group. The manager of the mutual fund will choose the stocks or bonds that will offer the best return for the category.Financial services funds offer a better deal than investing in financial services directly. When you use a mutual fund such as this, you get a number of different advantages. Your money is diversified across many different companies and institutions. If one financial institution has trouble, you aren’t left up a creek without a paddle. The rest of your mutual fund portfolio should balance out the hits that the individual company is taking.Another benefit of investing in the financial sector with mutual funds is that you get professional management of your funds. The financial services fund’s manager has the experience necessary to be able to determine when to buy and when to sell specific stocks and bonds. Their experience will help your money grow.Pooling your money also allows you to have more cost efficiency. If you have $5,000 to invest, you may be able to buy shares in two to three companies. However, when you invest in a mutual fund in the financial services sector, your money will be spread out far more equally. Mutual funds can contain stocks and bonds for up to 100 different companies. When you invest this way, you’ll be able to spread your money over a wide variety of companies which can act as a measure of protection.In late 2008 and early 2009, financial services funds were fairing too well. Based on the trouble with banks and lending institutions due to the stock market slumps, it’s easy to see why many people would shy away from investing in this sector. However, history shows that after a financial crisis the financial services industries have been boosted up in the following years. After the early 1990s recession, financial services funds rose 30% in 1992 giving investors a nice profit. Purchasing a financial services fund, or any fund for that matter, is not something that should be gone into lightly. Before you place your money in a fund, you should research the history of the fund, the company that runs the fund and even the fund managers. Once you evaluate this information you can figure out if investing in financial services through mutual funds will be your best bet.

How To Find Top Financial Services

Finding top financial services may sometimes feel like a daunting task. When it comes to your money, you want to be sure that you’re working with a company or an individual that you trust. There’s nothing worse than realizing that you’ve been placing your money in the wrong hands. Since there are many different types of financial services, there are many ways to find the top financial services. Before you start looking, you should educate yourself on the area of financial services that you are looking for. If you can figure out what you should be looking for it will be easier to find it. Self education is the best step that you can take in your own financial management.One of the most important types of financial services that most people will use is their bank or credit union. Since a bank or credit union will provide a wide variety of services, from checking and savings accounts to loans, it makes sense to take some time to choose the right institution for your needs. A lot of people choose their bank based on their commercials or a small piece of the puzzle, like free checking.For an accurate review of the aspects of a particular bank, you can search online for reviews. People aren’t afraid to share their opinions on a bank that has mismanaged their money. These days, thanks to the internet, you can see how a bank really treats its customers and make an informed decision.A good resource for evaluating your financial services options is Bankrate.com. This website has detailed information on the interest rates of checking and savings accounts from a variety of different banks. It’s also a good place to find out about mortgage loans, auto loans, CDs, investments and credit cards. You can use this resource to thoroughly investigate your options before making a decision. It will make it easy to find the top financial services.Besides banks, loans and investments, there are many other types of financial services. If you are going to be investing in the stock market, you’ll need a broker. If you want an expert to do your taxes, you’ll need an accountant. Some people even opt to talk with a financial advisor to help them with a wide variety of financial needs.These types of professionals can be found in your local community or online. Since they work directly with you and your money, you’ll want to take some time to find the right option for you. The best way to start finding these types of financial service professionals is to ask for referrals. Talk to your friends an family about what you are looking for. Many of them may use the type of financial professional that you are looking for.In addition to referrals, you can also use the Better Business Bureau’s website to find reputable professionals in your area. If a company or individual professional has complaints against them, the BBB’s website will let you know. The site is located at www.bbb.org. It is a fast and easy way to find top financial services in your area.