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Make A Phone Call

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Most often than not, parents find their children a handful both emotionally and physically. They love their children and want to give them the best they can - and always feel that they could have done better if they found/ had better guidance. Parents mostly feel lost when it comes to establish a mutually respectful relationship which can alternate love and respect effortlessly.

Where Do You Look for Parenting Guidelines?

Usually, when you are stuck in your day-to-day parenting chores, you tend to ask your parents - because in your mind they would know best. Similarly, you should understand that for a child, the parent is the ultimate authority often for life - though this would not be visible at the first glance.

It would be great if there was a parenting curriculum, which could act as a standard for all parents. Since this is not there, it is left on the intelligence of the parents to work out the best solutions when they have a problem with parenting; the internet is priceless for this purpose. One can search and find parenting forums, chat lines, websites, books and even hotlines for experts which can provide much better guidance than any parenting curriculum would have ever done.

Your Own Parents

The best parenting guidelines would always be your gut feeling and the advice of your mother. Whenever you feel that you are stuck, all you need to do is to get in touch with your mother and ask her how she would have handled it. Unfortunately, most of us lose emotional touch with your parents after we marry and settle down to raise our own family. We often forget that both the 'school' and the 'parenting curriculum' can be found in our own parents!

There are a lot of things that experience hands down over to parents along the years; and often this experience becomes a private parenting curriculum, which is bundled tightly in the mind's attic waiting to be unfolded and used at the appropriate time. Hence, you will never find a better parenting curriculum or guidance than that your own parents collected over the years to hand over to you. This is why the relationship between parents and their children and that of children and their grandparents is so meaningful.

Of course, for those who cannot reach out to their parents, there are millions of websites which can act as surrogate parents in difficult times. Fortunately, the internet can be used at any time of night and day with excellent results. It is very rare that you search something on the internet and you come up empty-handed - parenting help included.

Make A Phone Call

With the debt load that arises from having a mortgage or a credit card, you are probably having to spend a lot more on interest than towards your principal. That is just the way credit works. There is a way you can reorganize your finances to ensure that you get a mortgage or credit card that is actually cheaper. Ask for a lower rate.

It is true that a short telephone call can decrease your interest payments. If you do not make the call, credit card and mortgage lenders have no interest in decreasing your rate of interest. In the case of cheap financing, the squeaky wheel will get the grease. In a 2002 national survey from U.S. Public Interest Research Group fifty customers with varied credit backgrounds called credit card and mortgage companies and requested lower rates. In this study, over half scored lower rates - a whopping 56%. Rates were seen to drop on average from 16% to 10.47. Customers stated that they were quite impressed that their credit cards and mortgages rates were sliced by one third simply through one phone call. It simply flows with the - it doesn't hurt to ask philosophy. If you don't ask, you DEFINITELY won't get it. If you do muster up the interest to ask, you just never know what could happen.

So why don't more people do this? It is simple, it just doesn't occur to us. We are given a rate, we sign to it, and we assume that this cannot be changed. But it costs credit card companies and mortgage lenders several hundred dollars in advertising and marketing to acquire one new customer. Today with online vendors offering the same service, competition is tough and if you are a good customer, the lender is going to work hard to keep you. Further, the lenders can afford to cut you a break, and they will make you the best offers if they want your business. And this is precisely the approach you need to take when you make that call. "Hi this is so and so calling. In the mail today I've gotten about 4 different offers to reduce my mortgage rate or Visa interest rate. I am interested in getting a lower rate of interest. What can you do for me so that I won't have to switch to another company?"

Avoid a confrontational conversation. You just need to ask, and always remember that you can catch more flies with honey than with vinegar. And follow the adage, if at first you don't succeed, try, and try again. You may get someone more cooperative on the phone next time. You may be redirected to the "customers threatening to switch" department. Give it a try and find out what could happen. If you are struggling with high interest rates, you have the power to at least try to do something about it. Make the most of the money you earn by trying to optimize it

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About Author

Both Scott Fromherz & Ajeet Khurana are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Scott Fromherz has sinced written about articles on various topics from Celebrities, Education Toys and Distance Learning. Scott Fromherz owns and operates multiple websites. For more information on curriculum parenting visit or. Scott Fromherz's top article generates over 74000 views. to your Favourites.

Ajeet Khurana has sinced written about articles on various topics from Credit Cards, Home Improvement How to and Credit Cards. The author Ajeet Khurana is a writer and web enthusiast. He recommends: and. Ajeet Khurana's top article generates over 1220000 views. to your Favourites.

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