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War Declared On Instant Messenger: How to Stop Your Child from Wasting Their Life Away Online

 by: Christopher Pizzo M.Ed.

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Hey Parents! I hate to tell you, but there is no such thing as useful instant messaging . Your crafty child might try to take advantage of your lack of Techie know how when they say in that whiney voice… But Mom I m IMing my friends about homework. Don t buy it! They are simply playing up the school is important bit so they can get you off their back.

To be fair, yes kids might spend a couple minutes discussing their school assignments. But for every 30 seconds of actual work, another 30 minutes are lost in useless chatter with the hundred or so friends on their buddy list! And if your child consistently pulls the I didn t know the assignment excuse, then bigger school problems than instant messaging are on the horizon.

You can easily stop the hours upon hours of instant messaging with one simple gesture PULL THE PLUG! Now, I don t really mean to literally pull the plug out of the computer on your child. The last thing we want to do is get into a power struggle with your child, or break your $1500 computer.

No, what I mean is simply lay down the law. Allocate a specific period of instant messaging time per day. One hour of IMing is not going to kill anyone or their social life. And in that one hour time slot they will have plenty of time to discuss homework, their teacher, the new kid in class, or whatever.

Right now you might be saying, That sounds great Chris, but what happens when my kid refuses to adhere to the allotted time? When your child disregards your house rules it simply means they have too much free time on their hands. We all know that idleness is the devil s playground. It might be time to up their chore responsibilities. Or sign them up for an after school art class or even a sport or karate. Sometimes the best answer is to simply spend some quality time with them. Set up a time each day to play scrabble, take a walk or cook something together. It really doesn t matter what it is, just play to your kids interests and keep them busy.

The internet is a great tool, especially when it comes to education and homework. In the future we can expect to see an even greater merger of it with our every day lives. However, right now it s the great stealer of time. Getting sidetracked is very easy, (as some of you might know) and with the media induced, shortened attention spans of our children, whole young lives could waste away online. Teach your kids to use the Internet and Instant Messaging as intended. Sometimes we use it for work; sometimes we use it for play. Just be sure your kids know the difference between the two.

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Federal Aid For Your College Education

 by: Chris Davis

The Federal government is one of the best sources for college financial aid. From low interest loans to free grants, the array of government aid is open to just about everyone. As long as you have passing grades and financial need, you almost certainly qualify for something.

The search for federal aid begins with the Free Application for Federal Student Aid (FAFSA). This form can be filled out on paper or submitted online. Once it is processed, the government will make a judgement about the level and kinds of aid you are eligible for. To receive funding, you must have a high school diploma, GED certificate, or have met state standards to enroll in a qualified higher education school. You must also be a U.S. citizen or an eligible noncitizen, such as a permanent resident. The key factor in determining how much aid you receive will be financial need, not grades. Of course, if you fail to maintain passing grades, you will lose all assistance. However, it is not necessary to be an A plus student.

Undergraduates who meet the need criteria can receive Pell Grants. These range from $400 to $4,050 a year. Students with exception financial need may qualify for a Federal Supplemental Opportunity Grant (FSEOGs), which ranges from $100 to $4,000 a year. The amount you can receive may be reduced if you have other sources of aid, such as a scholarship. These grants do not have to be paid back.

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Federal loan programs are offered to supplement grant awards, and for those who were not eligible for a grant. For some loans, you do not have to demonstrate need. The amount you can borrow will depend both on your school expenses and your grade level. Perkins loans are offered first to Pell Grant recipients. Only a certain amount is awarded each year and when that runs out, no more loans are given until the following year. Stafford loans are available to both graduates and undergraduates. You must be enrolled at least part-time. Financial need is not a requirement for the Stafford, but for lower income students, the government may award a subsidized loan. This means that the interest will be paid for you while you are a student, and during a six-month grace period after you graduate. Finally, the parents of dependent undergraduate students can take out a Plus loan to cover educational costs.

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If you plan to take advantage of any of the programs, you can apply between January 1st and June 30th and receive funds for the following Fall semester. It is highly recommended that you apply as early as possible, as some schools and states require an application be submitted much earlier. In any case, submitting the FAFSA is an essential part of college financial aid. Many scholarships, private foundations, and other sources of aid will require you to first exhaust all federal aid possibilities before they will consider your application.

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