Archive for the ‘family’ Category

Creating Respectful Families

Posted: January 23, 2008 in family
Tags: , , , ,

maine-home-and-kennebunkport-022

The 5th Commandment: Has It Been Forgotten?

 Suddenly Laurel jumped up from the school lunch table.  With her lipsticked, fashion-clad girlfriends watching, she ran down the corridor past the bathrooms, caught up with me, and threw her arms around me.  “Daddy, I love you!” she gushed, eyes sparkling.  The she punctuated her enthusiasm by landing an unusual public kiss on my head.

I reeled all the way to the car, a huge smile taking over my entire face.  On the elementary school campus in front of her peers, the daughter who had lately asked me not to walk her “all the way” to school had charmingly fulfilled the Fifth Commandment. With affection and appreciation, she had publicly done just that.

Honor your father and your mother,” reads the fifth of the Bible’s Ten Commandments.  And in those few words, lie one scripture’s greatest pearls of relational wisdom.  It’ a great goal, but today many families struggle to decorate their relationships with respect.

This doesn’t have to be so. There are ways to gain the respect and affection of our children.  Children who honor their parents can be the norm.  From inside out, children can learn to prize their parents highly and offer their warm affection. And the exciting thing is that parents can do a lot to help their children with this.

Be Honorable

 

First, we must be honorable parents. Parents who live honorably influence their children to live honorably too.  Thomas Watson, the popular 17th century London preacher, captured the essence of this truth when he wrote, “The father is the looking glass which the child dresses herself by.”

My wife, Linda, works a few hours a week at the public library.  One morning, our younger, Laurel, plopped down on the couch beside her mom.  “Mom,” she said, putting her hand on Linda, “I like your skirt.  I like your boots.  I like your sweater.  When I grow up, I’m going to work at the library.”

Laurel wanted to be like Linda.  What an honor – to be your daughter’s looking glass!  Linda’s self-respect, her strength, her ability to do many things well – these things caught Laurel’s attention.  When parents are honorable people, then it is most natural for our children to honor them. 

But when parents are not honorable, it is difficult for their children to honor them.  A friend of mine recently shared her traumatic childhood with me.  She didn’t find an accurate looking glass in her parents.  When she was 9, her mom lost her temper and hit her in the head with a screw driver, causing her to require stitches.  Not long after that, her biological father came to her house at night, shattered a window, and kidnapped her.  Most terribly, when her mom remarried, her stepfather molested her!  As she told me her story, she cried.   I asked her, “How do you honor that?”

 “I can honor only as much as I can forgive,” she said.  “Sometimes, honoring means letting go of the hating.”  Parents can reduce honor that much.  Parents have everything to do with how difficult or how easy it is for our children honor us. The parental goal is to live so honorably that respect comes naturally to their children.

Teach Children to Honor

 

While living honorable lives is important, it is not enough.  We must also teach children to honor. In the Bible we find several disastrous family situations that were the result of parental indulgence and passivity.  Eli, a priest, had sons who broke his heart with their greed and corruption. Part of the problem? Eli was too tolerant.  He waited too long to correct his sons. King David’s son, Absalom, crushed his father with rebellion; and yet David, morally weakened by his own adultery, didn’t question or correct Absalom.  As difficult as it may be, parents must accept responsibility for their own failures so that they can also hold their children responsible if their children disrespect them.

Discipline your son, and he will give you peace; he will bring delight to your soul,” advises Proverbs 29:17. True, but too often we understand discipline as standing outside of the problem and bringing correction to it. Real, loving parental discipline does more than that.  Discipline that brings peace in the relationship involves intentionally entering into children’s problems, empathizing with them, problem solving with them.

Sandra, a young mother, recently told me of her struggle with her fifth-grade daughter’s disrespect.  Her strong-willed daughter constantly pushed the limits and was extremely uncooperative and disobedient.  One day, unable to stand any more disrespect, Sandra broke down.  She lay face down on the bed and cried deep tears of frustration and disappointment.  Hearing her mother’s anguish, the daughter was drawn to her mother’s room.

“She saw my pain,” said Sandra.  “Then she, too, began to cry.  She came and hugged me.  It was a very special moment for us.  I told her that she would always have a strong personality, but that she must learn to control it.  We prayed together.  It was a life-changing experience for both of us.”

Make Honor the Norm

 

Honor is a team sport.  Every relationship in the family must be honored.  As parents, we must honor our parents in front of our children.  We must honor our spouses in front of our children.  We must honor each child equally in front of the others.

This is a challenge, but we can do it.  In one home, a wife struggles with her husband’s lack of warmth or sensitivity,  but she always supports his role as father in front of the children.  In another home, a husband finds it tough not to critique his wife’s “strong reactions,” but he always backs her up by requiring the children to respect her requests.  In yet another family, one child excels above the others, but the parents do not make this child the “redemption” for the other children’s failures.  In these ways, families subtly, yet powerfully, establish a climate of team honor.

Recently at the end of a game with my older daughter, Rosalind, I realized that she had let me win!  She had noticed over the years that I had often let her win.  This is the way life should be in our families – taking turns letting each other “win.”

Seek the Honor Promise

 

We should seek the promise that comes with honor. “Honor your father and your mother, so that you may live long in the land the Lord your God is giving you,” says Exodus 20:12. This is the only one of the Commandments with a promise, the promise of long life.  How interesting.  In what way does honor promote life?

I once attended a memorial service for a young mom who died of cancer.  At the service, everyone felt the terribly empty spot left by her death, and yet the impact she had made on all of us was so present. When her children talked, we saw again how she was  beautifully present in the strength she had given them.  She was there in the “mom” and “friend” stories we told. We all laughed about how often she would remind us to get our “tails” down to the gym and exercise. We joked about how she used to stop by our houses and talk too long. People commented on how even in the face of the unthinkable she constantly choose not to give up. 

When parents live honorably, no matter how long they live, their children inherit the promise of “life” in the form of their values, attitudes, and character.

The Fifth Commandment is wise instruction we should not forget.  Honor is a behavior we parents can motivate, and it is worth our time to do so.  The next creative move we make toward gaining our children’s respect may win the sparkling reward of their honor.

The day Laurel ran me down on the school campus and honored me with a hug and a kiss and an “I love you, Daddy,” I had simply brought her a “cool” lunch from a favorite restaurant.  Honor was a great deal that day!  But when isn’t it?

A Code of Honor

 

To help your children honor you, teach them these things:

  • To show you respect whenever you are present
  • To respect your values even when you are not present
  • To accept your requests without complaining
  • To know how to disagree with you without showing disrespect
  • To come to you with their struggles
  • To care for your when you struggle
  • To do things the first time they are asked
  • To pitch in and help even if they are not asked
  • To ask God for help whenever it seems difficult to be respectful

Money

Posted: January 17, 2008 in family
Tags: , , ,

money

Money 101

By Randy Hasper

What you are currently teaching your teens about money has everything to do with whether they will be in debt up to their eyeballs ten years from now. The teen years are the habit setting years – whether it’s snacking, studying or spending. These are the years when young buyers (and their parents) begin to spend some serious cash, and so this is a parent’s best and perhaps last chance to teach life-long financial skills.

The financial community is ready to put plastic in the next generation’s wallets, but do our young spenders know when to pull it out and when to put it back in the holster? CNNMoney reports that high school seniors, on average, answered only 52.4 percent of the answers correctly on a financial survey.

The consequences of not teaching the next generation about money are clear. According to Dr. Robert Manning, the author of Credit Card Nation, the fastest-growing group of bankruptcy filers is people age 25 and younger. Will your teen be filing ten years from now?

Here are ten things you can do right to positively shape your young spender’s financial future:

1. Show them the money.  One of the best things you can do for your teens is to put them in touch with prices. Show them the gas and electric bill, the phone bill, the car payment, the mortgage or rent.

My wife and I have our young spenders go grocery shopping with us, picking out the best deals together, stopping to grab that half-gallon of cookie dough ice cream because it’s on sale. Several times this last year I had one of my daughters pay some bills with me on-line. I let her do the clicking, entering the $80 for the family mobile phone policy, the $65 for the water bill. In the fall, when I was out of the country, I asked her to pay some bills for me. She pulled it off like a financial cyber-pro.

 

2. Bankroll them.  Young adults will cost you, whether they manage their money or you do.  When they are little we give them allowances. As they age we need to give them an increasing amount of money until they manage all their own expenses. Figure out what you spend each month on your teens (not housing or food), but clothes, lessons (piano, dance), french fries, cosmetics, and entertainment. This might be a significant sum, but it is what it is. Then each month give them that amount of money and let them do the paying. In this way, they learn to set priorities (jeans this month, shoes next), and to make consistent payments for their lessons. If they run out, don’t rescue them. Make them live in the real world of you’ve got what you’ve got.

This is the best route to financial independence. Last December, my seventeen year old bought, with her allocated money, all the Christmas presents that she gave. Last week she picked up a pair of Converse shoes and Lucky jeans. Her choices are wonderfully up to her.

3. Make ‘em pay.  There are some things that most teens won’t be able to buy without you, perhaps it’s the MP3 player, the cell phone, the cost of their involvement in a school activity, their first car, college. There is still value in them paying something. Require them to save up a portion of the cost. It’s a great chance to teach so many things, not the least being learning to delay gratification.

When my daughter wanted an expensive MP3 player, we discussed with her what she could contribute to the purchase. This was a bit tough on her, but we talked it out and she proposed a figure. It was a significant amount of money for her, so she had to wait, and work and save. But when the time came to buy, it was a meaningful, satisfying buy.

4. Show them the cost of money.  Explain interest to your teens. This matters! You are protecting their future marriage. Financial stress and conflict are leading causes of divorce. Show your teens the amount of interest you pay on your home loan, your car loans, and your credit cards.  Explain that, for most people, things like a home purchase require paying interest.

Show them, on the other hand, the danger in debt. I show my daughter our credit card statement. The daily periodic rate is .0828%. That doesn’t seem like so much now does it? The annual percentage rate is 30.24%. Now that is a monster we avoid!

I know a parent who will loan her teens money if they are out shopping and forget to bring their wallets along. But she charges a small amount of interest. She’s not making money, she’s making responsible people.

5. Introduce them to a banker. To aid our empowered spenders in controlling their money, we took them to our credit union and helped them open savings accounts and obtain ATM cards. Once they leaned to manage those, we moved on to Visa check cards, debit cards. Different institutions have different policies, but we found our credit union very helpful. Now both girls have checking accounts, and they keep track of these online. They have small savings accounts so that if they go over there is overdraft protection.

But they are learning that when the money is out, the money is out. If they incur fees, they are responsible for them.  And we don’t bail them out. The best financial teacher is experience. Not every teen is ready for this, but at some point they need to get ready for this. Adulthood, it’s coming fast.

6. Shop ‘til they drop.  Then next time they want to buy something important to them, comparison shop with them. Take a trip with them on-line to web sites that offer product reviews and comparisons. Go with them to several stores before making big purchases. Show them how to look for sales in the newspaper, how to use coupons.

When my daughter upgraded her mobile phone recently, we read the reviews on the internet. Through our research we found the coolest phone at the coolest price. What a fine feeling – tracking down and capturing a great deal!

7. Share a classic with them.  Help your teens set up a savings account and a savings goal.  Saving is at the crown jewel of good money management. An emergency, a sudden need doesn’t throw the saver into a panic. Capital, margin is an antidote to financial stress. And through saving, they can eventually get some really cool stuff.

They can save up for a trip, perhaps for their part of a car. My oldest daughter bought her own TV, after saving. She bought a leather couch for her room – saving.  She bought her own PlayStation – saving. She has the most fun room in the house – because she saves before she spends.

8. Don’t forget generosity. Having something to give is a privilege, a pleasure. Begin to talk to your teens about charity. It is their choice, but you should share what you do as a model. Show them what you have donated to disaster relief, medical research, your alma matter, your church, synagogue or mosque.  It is more blessed to raise generosity than stinginess. You may be raising the next Joan Kroc or Bill Gates.

My wife and I help support a young teacher who works for a nonprofit organization that runs a first-rate school in an inner city area.  Following our choice one of our girls decided to donate some of her money too. How satisfying!

9. “Get a Job.”  During the school year, we have decided that we don’t want our teens working, or working very much. We want them to focus on their studies, to enjoy life when they finish the homework. But they can do something. The occasional Saturday job, the short-term summer or intercession job – it’s excellent training. In some markets, it can be very hard for teens to find a job on their own. We found success in helping our young adults get their first jobs through friends and personal connections. It may be mowing lawns, babysitting, working for a friend with a business.

Recently, one of the girls got a job tutoring a younger student. It’s perfect! Four hours per week for really good money. Excellent possibilities are out there for  the go-getters who have connections.

10. Be the model. There is no more powerful influence than the power of a good model.  If you make smart choices your young spenders will see how to make smart choices. If you show restraint, they will have a model of restraint. If you overindulge, show them what it is costing you. If you make a late payment, show them the late fees.  When you get a bargain, brag about it. The girls know which new sports car I like. They also know that I don’t have one in the garage.

We love our kids. Because of this we plan ahead for them, saving for college, perhaps investing in real estate and mutual funds that may someday provide for them and their children. We are investing in them, in their future. Someday we will spend big bucks for them, on cars and college and weddings.

But when they arrive at adulthood, when they have the bucks, when they have the plastic, when they inherit the assets, will they know how to handle it all?  What we do today, will help determine how they spend tomorrow. Money 101, you’re the teacher, and class starts now.

What do you think?