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Choosing the Best Disciplinary Methods for Our Children November 27, 2007

Filed under: Education — freemindsinc @ 12:08 am
“Children need our love, especially when they don’t deserve it.” (Harold Hulbert)  
You can start by removing one common misconception about discipline: discipline does NOT necessarily mean punishment.  In fact, the Latin root of the word “discipline” means “knowledge”.  What we need to understand is that the discipline methods are meant to teach our children how to convey knowledge about the appropriate behavior in different situations.  It’s obvious that some methods are better than the others. This report is going to look at different methods commonly used by parents today and comment. Ultimately, however, it is up to each individual how they decide to deal with inappropriate behaviour.
You may be asking, “How does my child know that they are loved when I punish them?”  Children know because they only feel safe and secure when given appropriate boundaries. And when you punish your child you are providing healthy boundaries for them. Let me just say here and now that I am not referring to physical punishment; when I use the word “punishment” I am talking about anything that is giving your child a consequence for an action that you disapprove of.
We all know how hard it is to find the right balance between discipline and independence, especially as there are many parents that feel the need to control their kids and impose their authority.  Many of the measures we take to discipline our children are resented by kids as a limitation of their rights and freedom.  Remember that an exaggerated focus on any of those sides, excessive discipline or unlimited independence can damage your child.
Therefore, you should concentrate on giving consequences for important things; things that will help your child learn more about life, but do everything with measure. In addition, try not to limit your child’s independence. An independent child will easily navigate the small obstacles of life, have more confidence in their own ability and grow up as mature, healthy adult.
Often the moments of happiness we share with our children seem to fade in our attempts to provide a good consequence for our child’s behaviour. Therefore, we must always remember to see the disciplinary methods as the opposite of our love instead of seeing it as a proof of it? Here is what you can achieve through disciplinary methods:
·        Even if the child sees the consequence as a negative experience in the moment, the long term effects are beneficial for their development. It should be noted here that a consequence of a child’s actions will have a much more powerful effect than a punishment.
·        A prime example is my nine year old daughter this morning. She was dawdling and playing with her dolls instead of getting ready for school. I gave her several reminders but to no avail. So, when it was time to leave for school she wasn’t ready. It was actually pouring with rain. I said goodbye to her and left to drive my other three children to school.
·        Becky ended up walking in the pouring rain (with her umbrella). But that was her choice. No amount of nagging could have spoken to her as clearly as that one simple gesture. She had to suffer the consequence of her poor choice. And I wouldn’t mind betting that next time it is raining she will be ready for school on time.
·        The beauty of this method is that she won’t see me as the disciplinarian, because it was actually Becky that made the poor choice. I offered a ride to school for all children who were ready on time. I didn’t even scold her for not being ready. I simply said to her, “Don’t forget your umbrella, Becky”. Then I left her to finish getting ready by herself.
How powerful do you think this can be if we use it correctly? What is so great about this is that children actually learn to discipline themselves. Once they know the rules and choose to break them, they have chosen the consequence that goes with it. Therefore, it pays to establish rules well so that children are well aware of them. Let them know that certain behaviour comes hand in hand with a certain consequence. Then your job as a parent will be much easier. Then you can stop playing policeman.
It is of utmost importance to ensure that 80% of our interaction with our kids is positive. I know this is easier said than done, but this is crucial to our child’s development. A child who lives constantly with put downs cannot develop into a well functioning person because you are limiting them.
·        Children love rewards and I use a reward box with my four children. Every Friday, when I check their bedrooms to see how tidy they are keeping their room, they get to pick from the prize box. This motivates my children to keep a tidy room so that they can have a pick from the box. My kids even go shopping with me to choose what to put in the box. So they know that it be something worthwhile as they picked it.
This simple thing is a positive reinforcement to try and negate the need for discipline in the first place. Ultimately, it is best if we can prevent bad behaviour, but this is not always possible because children are children, and as such are unpredictable.
It is important to adapt the discipline methods to suit the child’s personality.  For example, if we want to maintain a certain behaviors or form new ones (like when the child doesn’t watch TV for doing the homework), the disciplinary methods can focus on using rewards.  If we deal with problematic behaviors, the best way is to use the methods that focus on the logical consequences of the child’s actions (for example, if the child comes late from school, he is not allowed to watch the favorite cartoons). 
The daily stresses of life adversely impact on today’s parents and sometimes, they can’t seem to be able to find the right resources and patience when dealing with their children who misbehave. Think about that the next time your kid plans to test the limits your patience.  Do you really know how to deal with this sort of situation? Some parents don’t feel comfortable when they have to use a disciplinary method, regardless the method. Other parents ask themselves if the method is actually going to give results; still others choose not to use any discipline. Then there are parents who chose to use extreme measures, without considering the long term implications of their actions in the future development of their children:
We can split the disciplinary methods into different categories:
  

The power – assertive discipline (including spanking or other physical form of punishment, withdrawal of privileges, threats of punishment) will cause children to respond to their parent’s requests with fear, rather than respect.  Kids will try to conform to their parent’s expectation in order to avoid punishment. 

Spanking or physical  punishment

There are probably few parents that were never tempted to use spanking or any other physical form of punishment in order to discipline their kids.  We hope that there are fewer that have actually done it, but we all know this is not true.  The raw facts are that too many parents use physical correction as a method to discipline their kids.  The truth is, however, that most parents who smack their children do it simply because they don’t know another way that works.
The truth? Indeed, in the short term spanking or slapping can give results, but there are serious consequences. Not only may the child receive bruises but they will learn that it is OK to use violence in order to impose authority.
Here are negative implications of smacking your child. Ultimately, it is up to each parent to choose for themselves. I can only inform you.
1.    Spanking your child may damage their relationship with you.  It may destroy the trust and closeness you have worked so hard to build, causing your child to fear you and become angry
2.    Physical punishment can also damage your child’s mental health. It may cause your child to lose their confidence and become depressed
3.    Moral development can be affected and the child can lose their empathy for others
4.    Increased aggressive behavior
5.    There is an association between future child delinquency and antisocial  behaviour
The above are merely facts to inform you so that you can make a wise choice regarding your child. Many parents still choose to use smacking as a discipline method, and regardless of the pressure you may feel from society, I believe that every parent makes the choice that they believe will be best for their child. No parent intentionally inflicts pain on their child.
For those parents who choose to use smacking as a discipline method, allow me suggest that smacking be used as a last resort in your strategies. Use it when you have exhausted every other avenue possible. But the main key here that I MUST emphasize is that if you choose this method, YOU MUST NEVER SMACKL A CHILD WHEN YOU ARE ANGRY!!!
 

All about Interest Only Mortgages November 26, 2007

Filed under: Finances — freemindsinc @ 1:15 pm

Interest Only Mortgages: Deal or Not?

 Are you ready to purchase the house of you dreams? Step up now as you can do that through interest only mortgages: low monthly payments, tax deductions, all on your current income? This sounds pretty good, I’ sure, but there is more to find out about the interest only mortgages… Interest only mortgages are becoming more popular nowadays, and many home buyers choose it for its interesting features.  One of the best advantages for choosing an interest only mortgage is that the monthly payments are low and you don’t have to pay off your debt until the close of the mortgage contract arrives. 

  •  It’s great for the first time buyers as well, because this might be the only way they can purchase a house.
  •  This can be a great choice for people who work in industries where big bonuses are paid once year. They can pay a low amount of cash monthly and pay off a lump sum when their annual bonus is paid.

There are also disadvantages, such as the fact that at the end of the 25 or 30 years of contract, you still have a lot of debt to repay, as the interest only mortgages don’t include a method of repaying your debt. Therefore, before opting for an interest only mortgage, think about it on a long term; the interest only mortgages on a property can be pretty expensive.

  •  The interest only mortgages are actually investment based, as you only pay off the interest on the capital amount of money you have borrowed during the term of the loan.
  •  In case this doesn’t happen, the borrowers will have to cover all additional sums at the end of the term and pay off the capital sum.

Our advice is to think carefully when it comes to opting for the best interest only mortgages.  The whole mechanism of interest only mortgages is based on the principle that the investment will achieve its projected growth until the end of the mortgages term in order to cover the high balance that needs to be paid off at that time. 

Nevertheless, interest only mortgages are a flexible option, as this type of mortgage suits people that are due to come into money in the future and who want to keep low payments in the mean time.