April 2008

little-girlI have two girls, ages 6 and 8. The issue of kids’ safety is on my mind a lot, but I never knew how to approach the subject with my kids.

A few weeks ago, I attended a lecture that gave me important tools for teaching my daughters about sexual abuse, without scaring them. The lecture was given by Miriam Wolf, a consultant, writer and trainer in the area of child abuse, forensic interviewing and parent education.

Following the lecture, I finally talked with my kids about the important subject of kids’ safety. The talk went over pretty well: they were curious and asked many questions, but they were not upset.

These are the main points from the lecture:

 

Facts

1. Child sexual abuse happens more often than you think: 1 out of 3-4 girls and 1 out of every 6-8 boys. It cuts across all socioeconomic, ethnic and religious lines.

2. A majority of victims never tell anyone – at least not until they are much older. False allegations are uncommon; it is much more likely that children will deny true abuse.

3. 90% of children are molested by someone they know.

4. The median age for child sexual abuse is nine.

5. There are few physical indicators or symptoms. Behavioral symptoms could signal distress from other sources. The key indicator that sexual abuse has taken place is verbal disclosure by the child.

 

Focusing on “Stranger Danger” is Not Enough

1. Children don’t get it: you can’t tell by looking at someone if they are safe or not; kids describe “strangers” as “mean” or “ugly”; if someone talks to a child or to you more than once, they lose their “stranger status”.

2. Adults don’t practice it: we talk to strangers.

3. It doesn’t target the main problem: as mentioned above, 90% are molested by someone they know.

 

Keeping Our Kids Safe Without Scaring Them

1. Make them understand it is okay to approach you if they are ever hurt or feel uncomfortable about anything. Since the main way to find out about sexual abuse is when the child tells us, it is absolutely essential that kids know they can always come to us with any problem and that we will never get mad but rather try to help. This may sound obvious to you, but in many cases it is NOT obvious to children. Additionally, children need to learn to never keep secrets from you. And if anyone ever tries to make them keep a secret from you, all the more reason to NOT keep that secret.

2. As early as preschool age, talk about the difference between “okay” and “not okay” touches, emphasizing that “not okay” is subjective and that any touch that the child doesn’t like is not okay. Teach the child to loudly say “no” or “stop”. Teach them to YELL, RUN and TELL if they ever feel scared, uncomfortable or confused. It is a good idea to be specific about types of touch that are NEVER okay, such as touching private parts, asking the child to touch someone else’s private parts or asking the child to take her clothes off.

3. Teach them to refuse a strangers’ request for help. Adults should approach other adults for help, never children.

4. Teach them to find a “safe person” if they are ever lost or separated from you. “A mom with kids who is nice to her kids” is a good example of a safe person.


If your child ever discloses sexual abuse, contact your local police department and/ or social services, or contact RAINN for support and local referrals.

Photo by DigiDragon

Online social networking is a fairly new game. Its rules aren’t 100% clear yet. But if you are like me, you spend a significant chunk of your day surfing the web, reading blogs and visiting social networking sites such as Facebook and Twitter.

Instead of looking at time spent on those websites as wasted, you might want to view it as time well spent networking.

If you own a business, the connections that you are creating and maintaining through online social networking will help you generate traffic, sales if you are selling products, and links back to your website.

If you are in the market for a new job, or could be at some future point, these contacts could help you land your dream job.

The following are five tips for making the most out of time spent on online social networking:

1. Personalize. Post a picture and use your profile page to tell others about you and your interests. When you are a person, and not just a link or a generic thumbnail, it is easier for people to relate to you and make contact.

2. Join groups. Groups are a great way to meet new people. Once you have joined a group, be active on that group: post and answer questions, upload photos where appropriate, and in general make yourself a visible part of the group.

3. Visit daily. It is a good idea to maintain a regular presence at the social networking websites you choose to join. You don’t need to spend more than a few minutes each day on each website in order to maintain visibility.

4. Be an extrovert. Regardless of your real-life personality, online social networks are not the places to be shy. Actively look for friends and contacts; extend contact invitations to as many quality people as possible. The larger your network is, the more opportunities it will generate, especially if you don’t sacrifice quality for quantity.

5. Be helpful. If you want others to help you, you should make yourself useful to others. When someone is being helpful, by linking to your site for example, find a way to reciprocate by linking back, by making a comment on their blog or by bookmarking their website in a social bookmarking site such as Stumbleupon.


Image credit: frankdasilva

Post was inspired by Rayven Perkins of Stay a Stay At Home Mom, where you can find a list of social networking sites that you may want to check out.

56580816_2b14975e6e_m.jpg Common wisdom holds that planning for retirement should be at the top of your priorities, even before college savings for your kids. Your children will be able to get scholarships, work, or get loans to fund their higher education. But you, at a certain age, may not be able to work anymore and may have to rely on your savings.

But even if you have a great retirement plan, a recession may force you to change your plans and delay your retirement. The Wall Street Journal reported yesterday that more Americans are delaying their retirement, not because they want to keep working, but because they have no choice: the falling real estate and stock markets have eroded their savings to a point that makes it impossible for them to retire.

Millions of retirement-age Americans, stung by the recent economic downturn, are suddenly forced to reassess their plans.

According to WSJ, today’s market turmoil is shaping up to be the most painful in decades, especially because property and market values are both dropping. The dot-com bust and stock plunge of 2000-02 also persuaded some workers to delay retirement. But back then, those suffering losses in the stock market could take comfort in home values, which were still appreciating. Not anymore.

If you are younger than 50, you probably have enough working years ahead of you to make up for current downturns. But many older workers choose to keep working despite previous plans to retire, because they worry that their investments will diminish to the point that they won’t have enough money to get them through retirement.

I am not a financial adviser, but this makes me think that investors should ignore the rule of thumb that says that the percentage of your portfolio that you should hold in stocks is 100 minus your age. If you are over 50, and won’t have time to bounce back from a bear market, you should place a large percentage of your portfolio in safer vehicles such as treasury bonds or insured CDs. I wouldn’t rule out having up to 80% of your portfolio in “safe” investments.

And while safer investments do carry the risk of being slowly eroded by inflation, I believe that after a certain age, it makes more sense to take the risk of a slow, gradual erosion than to face sudden, overwhelming losses in the stock market.

Photo by The Rocketeer