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The Internet is a great tool for many things, such as doing research, reading the latest news, shopping and staying in touch with family and friends. To borrow from the title of a Clint Eastwood movie, along with the good comes “the bad and the ugly”.

Freedom on the Internet also opens the door for illegal activity, such as emails pretending to be your bank (aka phishing), expression of various ideas - whether you agree with them or not, scams to separate people from their money and content that some find objectionable, like pornography.

While searching the Internet for homeschool support groups, to ask for permission to list their web site as a resource in HomeSchoolEXPOs’ Support Groups & Organizations directory, I became a victim of porn-napping. I didn’t know this term existed until I decided to do research for this newsletter. My purpose was to help other parents, who are short on time, learn about what they can do to protect their children who use the Internet.

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Porn-napping happens when a non-pornography domain or web site address becomes inactive and it is purchased by a pornography business. The site might have closed down or the owner didn’t renew their ownership. Once the pornography business owns the address, they post their content on it. Below is an example of how I was porn-napped.

Let’s say there is a homeschool support group called Family Homeschooling. Their web site address is www.familyhomeschooling.com. The group discontinues because all of the children have graduated high school and have gone to college. The parents decide not to renew the ownership of their website address. A pornography business discovers the support groups’ web address is available and decides to buy it. Now that they own the address, they post their content under the domain www.familyhomeschooling.com, with no warning of the content that is coming. Another tactic they may employ is something called a re-direct. This happens when you click on or type in a web site address they have purchased, e.g. www.familyhomeschooling.com, and you are re-directed to another site with their content. Re-directing is not illegal. Many web sites use this feature for functions such as load balancing or redirecting users to a sites new web address because it has changed.

My original plan was to write an article about the steps that parents can to protect their children from pornography and pedophiles. While looking for information, I found a couple of good articles and resources that provide great information for parents. Instead of recreating the wheel, I’m providing the following links for parents to learn more about what they can do to protect their kids when their kids are online.

1. 2005 Software Review of Parental Control and Internet Filtering Software
http://internet-filter-review.toptenreviews.com/?ttreng=1&ttrkey=internet+filter

2. Home Internet Filters - Steps Parents Can Take At Home For Filtering Content
http://www.northstar.k12.ak.us/safety/filters.html

3. Parental Control and Internet Child Safety
http://www.protectkids.org/

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4. Wired Kids - Online Safety Project for Kids and Teens
http://www.wiredkids.org/

5. NetSmartz Workshop - Interactive games and activities to teach kids what to watch for online to protect themselves.
http://www.netsmartz.org/

6. Parents Can Make Internet Safer for Kids - Article in the Honolulu Advertiser
http://the.honoluluadvertiser.com/article/2004/Oct/19/tc/tc08p.html

7. SafeKids - Making Technology and the Internet safe for Families
http://www.safekids.com/

8. GetNetWize - The GetNetWise coalition wants Internet users to be only “one click away” from the resources they need to make informed decisions about their family’s use of the Internet.
http://kids.getnetwise.org/

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About the Author

Aaron Hyde is a consultant with the 280Group, http://www.280group.com, with over 17 years of industry experience. He homeschools and is the founder of HomeSchoolExpo, http://www.homeschoolexpo.com. HomeSchoolExpo is a new auction site for connecting homeschoolers who want to buy and sell homeschooling books and resources. HomeSchoolExpo also provides store hosting for family friendly businesses.

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Student Loan 101: Get Money and Get a Degree

 by: Richard Martin

If you are like every other college student out there, you need to pay for college somehow. Many students look into getting government grants or taking out loans from friends and family. These can be extremely effective means of financing an education and these options should be looked at. However, a student loan may be the answer if you don’t have the savings or the means to get the money.

College can be expensive. Most parents at least try to help their children financially through at least some part of their university experience. However, getting a degree at one of the prestigious universities can run you more than $30,000 in tuition alone at the top schools. You might be one of the myriad students who attend our large state schools and therefore go to school at a substantial discount. However, most people don’t have an extra $100,000 saved up and therefore seriously need to consider taking out student loans and applying for scholarships if they can.

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A student loan can help you pay for tuition, books, and general living expenses. Student loans are handy when you don’t have a job and have an immediate bill that is coming due. Finding a grant or student loan shouldn’t be as difficult as your classes are, so here are 3 valuable tips to consider when putting together your financial plan for your next year at college.

1)Find a student loan provider who is established. You don’t want a fly by night organization that is merely interested in taking you for a ride and not providing the money you need to complete your education. Getting your student loan can be a long drawn out process where the lender delays and delays and you end up waiting and waiting with more debt piling up. I have friends that have had their student loans delayed until the end of the semester due to paper work errors! Wow! A $5000 tuition bill doesn’t look pretty when it’s sitting on your credit card statement.

2)When you receive your student loan, look to pay off high interest debt first. Guess what? Your money will do a lot more for you when it’s only accruing debt at 5% per year than at over 20% on your Visa bill! Credit card companies can be very aggressive marketers and you might end up paying for that tuition bill many times over if you let it sit on your credit card. Always look to lower your highest monthly expenses if possible and this definitely includes credit card debt.

3)Shop around. I’d be willing to bet that some banks will give you a better deal on a student loan than you think they would. Find out who’s got the best rate to get the best deal on your loan. Student loan payments can last a lifetime and that extra 1% can add up to literally thousands of dollars over the years. I have friends that are in their 50s and still paying off their student loans. It’ll pay off in the long run to make sure you find the best deal possible.

Student loans are popular as today as ever: find one and use it to your advantage.

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