I Love My Kids, But I Never Got Around To Saving For Their College – Now They Are In High School

I always thought about starting a college fund. I even set up a small savings account when they were born. Now they are in high school, time is running out and I am starting to panic. What can I do? Where should I start? Are they going to hate me? I really wish I had started earlier.

Get Started: As their guidance counselors, teachers and friends are helping them evaluate their strengths and weaknesses in an effort to narrow down their career options, you need to take action now if they are going to make it to college. Here is how to begin.

Relax: Your first step is to take a deep breath and realize that you are starting late. You can’t change the past, but you can take positive action to change the future. The fact that you are reading this article tells me that you are ready to make an effort to help your children as much as possible. It will take some time and effort on your part, but you WILL make progress one step at a time.

Follow These Steps: The following steps will get you started on a nice structured path. You will start a journey that will take you from where you are now, through to the college graduation of your youngest child. It will not be easy or without some sacrifices, but if you do it right, it will be fun and your children will appreciate your efforts.

Step 1 – Family Net Worth: Prepare a current Net Worth Statement so you can see where you stand right now. This is a financial snap shot that will show your assets and liabilities as of today. (You can find a free one-page net worth statement on our site listed at the end of this article – forms section – or by searching the internet.) Once you know where you are today, every positive step you take will improve your net worth and help your efforts to send your children to college.

Step 2 – Maximize Income: Now that your children are all in school, consider maximizing your earning and saving potential. If one spouse was the primary care giver for the children, maybe they were working part-time or not working outside the house. Consider having both spouses work full-time to add extra income into the family budget. These increased earnings can be directed specifically into college savings, but make sure you put them in the right type of accounts.

Step 3 – Talk To Your Kids: Discuss college and financial aid with your children now. Review the costs associated with community colleges, state universities and private colleges. Let them know that you may be late to the game, but you are trying to help them as much as you possibly can. Depending on your family size, income and assets, you can get an estimate of your expected family contributions by using one of the online EFC calculators. Once you and your children are aware of these estimates, you can begin looking into your best college alternatives.

Step 4 – Let Them Help: Finally, encourage and help your children to become more “Financial Aid Worthy” students. By doing the right things while they are in high school and positioning your assets properly, you can help them by qualifying for more financial aid and learning how to further reduce college costs.

Keep Moving Forward: The most important point to remember is that even small steps will help, so if hitting a college financial “Home Run” isn’t possible, a solid single or even a bunt will help your cause. Every little bit helps and if you keep moving forward in your efforts to narrow the college funding gap, your children will see your efforts and be that much better off.

In Summary: Don’t beat yourself up. You are in the same boat as plenty of other American families. Your kids won’t hate you, but taking the first steps now will help substantially. Talk with your children and give them realistic expectations about what you can and can’t do to help. Remember – Where there is a will… there is a way.

With the many options for college, students need to evaluate their own situation and decide which path is right for them. It will be easier if they know all the relevant details. They might surprise you, so encourage them and help them to make good decisions.

To discover very specific ways to maximize your financial aid and reduce college costs, I have prepared a FREE College Cost Savings Kit which you can download by Clicking Here.

Please consider printing this article and sharing it with a friend. Many parents are in the same situation as you are. By paying it forward, you could help them save a lot of headaches and plenty of money too.

How to Get Ready for Algebra When Back to School

Math is invariably a daunting subject in any Grade and students who enter high school find it more threatening since they have to learn Algebra which is a terror for most of the students.

Assessing the attitudes of students for Algebra learning is a major responsibility of parents and they have to take steps for doing so. Some of the ways to assess their children’s Algebraic skills is by means of understanding whether their kids have the ability to draw conclusions through logical reasoning and to organize projects and whether they have general problem solving skills. If their kids possess all these skills, they can make sure that their children will find Algebra easy and would take the subject like a fish to water.

There are downloadable or online Algebra readiness tests which come handy for parents in this matter. After conducting the test, parents can take measures to get their kids ready for Algebra classes in the new school year.

A review of Math homework in the previous year also would help parents decide what to teach the kid and what to skip. Anyhow, familiarity with the fundamental terms like percentage, decimals, integers, fractions in Algebra is essential for a student’s smooth entry into high school Algebra classes. Students should be able to add, subtract, multiply and divide all these number forms. Knowledge of factoring and understanding of ratios, proportions and rates are also equally important to have hassle free Algebra classes in high school.

Even an idea of geometric shapes and understanding and analyzing patterns are also useful factors in the preparation for Algebra. If children are able to collect information and organize the information to make decisions, they are mentally prepared for Algebra classes. On assessing all these qualities in their kids, parents can come to a conclusion about arranging special courses in Algebra for them before they are back to school for taking their Algebra classes. Many summer courses are available for reviewing students’ basic skills in Algebra and there are online tutors who get them ready for the ongoing classes via their tips and suggestions.

Though summer is for enjoyment and fun, students need to take care of their academic skills and decide what they need to do for facing the oncoming subjects. Preparing for Algebra is of utmost importance since it decides students’ scores in high school and thus leads to good college entries and lucrative career prospects.

Online Algebra tutors make their best efforts to help students in doing Algebra with confidence through their personalized courses and thus pave way for hassle free Algebra learning for students when they are back to school.

How Brainetics Can Help Your Child Learn Better in School?

There are many reviews pointing out that Brainetics is not for children who do not know multiplication tables. On the other hand, there are reviews from teachers who contradict this. There have also been many reviews focusing on the mathematical side of things, but not the English. As well as math, this program has been known to help children with their grammar and spelling, so why are teachers not buying more of them.

Elementary school aged children is the group that starts to have a problem with these areas of the curriculum, and eventually drop out of school. With the help of the Brainetics system, the percentage of school dropouts had fallen by about ten percent in 2005. The Brainetics program has been made fun enough for these students to get the most out of their schooling in a fun way.

The child’s brain is re-programmed just like a computer to store large chunks of information, instead of just small important bits of the facts. It is user friendly, so if the student is old enough they can work on their own through the program without any supervision. This is why it is also useful for even grown-ups of any age to use.

Due to the DVD program, it is more of learning tool than a software, so it can be used on a computer or just your DVD player. Students will find it a fun way to learn independently or in a group in their classroom. They will not get bored because not only are there DVDs to make the lessons fun, but there are also workbooks to practice their new skills and two decks of cards to learn the tricks. Learning without boredom will allow the student to work faster, and a lot more competently.

The creator of the learning tool Mike Byster was awarded in 2008 the Gold Award, by parents. Math topics that this program can help with are geometry, trigonometry, calculus, algebra and differential equations. There are two science subjects also chemistry and physics.

There have been debates about whether Brainetics is a scam or not, but the Better Business Bureau have had no complaints as of yet. You can also try it out for thirty days, before you pay for the full course. If you are not satisfied, and it is not doing what it says on the box, simply return the program with no extra cost to yourself.

This product is not a scam, and is definitely a worthwhile product to buy for yourself or your child. They will start to excel at school, so you can watch their grades rise, as well as showing more enthusiasm when it comes to homework.

Therefore, Brainetics will help your child learn better in school, so no more worries that they are going to drop-out, and not want to further their education. If the child works hard at the program may be college and university could be an option for the future.