You may be surprised to find that everyone, at some point in their lives, will benefit from counseling. This includes young adults. In fact, teens may need counseling more so than many other age groups simply because of all of the pressures put on them during those teen years. You should definitely consider young adult counseling for your teen.
With a qualified young adult counselor, your teen could discuss matters that they most likely will not discuss openly with you or any other responsible adult. The young adult counselor will listen to your teen, and may even help them to become secure with who they are and what is going on in their lives much faster than those who do not receive any type of counseling will. This essentially gives them a ?head start? in life.
When choosing a teen therapist for young adult counseling, make sure that you involve the young adult who will be counseled in the selection process. It is important that the teen is able to get along well with the young adult counselor, and that they feel this teen therapist is someone that they can trust and talk to.
If you don't see how your teen might benefit from young adult counseling, think back to your own teenage years. Remember the peer pressure, bullying, confusion about the future, dating issues, and other things that you had to deal with back then. Today, teens have even more issues to deal with, including the fact that drugs are so easily obtainable.
As you can imagine, a teen therapist will be able to help your teen deal with any current issues and problems, and may also help your teen to avoid potential issues and problems that are common to teens in the future.
These days, we live in a very scary, overwhelming world, where a great deal is expected of us. This is the world that your teen will soon be entering, as an adult ? just like you.
Talk with a young adult counselor today to learn how young adult counseling will help them to make a smoother entrance through the adult door, and help them to become more stable, productive human beings ? without all of the issues and hang-ups that many adults today, who did not have any young adult counseling, spend years trying to get past. Some never succeed in doing so. Make sure that your teen isn't one of them!
By the time you turn 28, you will probably have a career and possibly a family. When you want to make big purchases like buying the car of your dreams or buying a house to raise a family, your credit score becomes more important than ever. Your credit score is also referred to as a FICO score and is typically a number between 300 and 850. Bank lenders who will loan you money for a house or a car will look at this score very carefully before lending you the money and deciding your interest rate. According to the article Starting Out by Kelly K. Spors in The Wall Street Journal, FICO scores above 760 qualify you for the best loan terms, while scores below 600 can mean unappealing terms and higher interest rates - or bar you from getting a loan all together. The breakdown of the FICO score includes a 35% weighting for payment history; 30% for the amount owed, especially as compared to your credit limits; and 15% for the length of your credit history. Also, having too many credit inquiries and loan applications by you or too many accounts opened in a short time can hurt your score.
So I made a mistake, how do I improve my credit score?
1. The first thing to do is to start paying your bills on time. If you have Internet access, it may be a good idea to set up an automatic bill pay (either through your bank's website or the actual credit card or loan company's website). This way, the bill will be deducted out of your checking account at the same time every month and will reduce your chances of your payment being lost in the mail. Paying your bills on time every month for about a year will dramatically improve your score.
2. The second thing to do is to check your credit report from all three major credit bureaus once a year. If you check it more than once a year, this may hurt your score. You can access your report for free on www.annualcreditreport.com. Be careful, many sites say they provide free credit reports but there is often a catch. Identify inaccurate information in your credit report and write a letter to the addresses listed below explaining your situation.
Equifax P.O. Box 740241 Atlanta, GA 30374
Experian P.O Box 2104 Allen, TX 75013
TransUnion P.O Box 2000 Chester, PA 19022
3. The third thing to do is to be smart with your credit. This means avoiding mall shopping sprees or playing online poker. Use your credit cards wisely. It is also smart to keep your credit card balances at 30% or less of your limit. This keeps your score up and leaves room on your credit card for emergencies like auto repairs and house repairs.
Both Dr. Jennifer B. Lagrotte, Dmft & Pete Glocker 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.
Dr. Jennifer B. Lagrotte, Dmft has sinced written about articles on various topics from Marriage. Jennifer B. Baxt, LMHC, LMFT offers online audio/video counseling as well as works with children, individuals, couples, geriatric patients, depression, bipolor, anxiety and substance abuse.Jennifer B. Baxt, LMHC, LMFT offers online audio/video counseling. Dr. Jennifer B. Lagrotte, Dmft's top article generates over 1300 views. to your Favourites.
Pete Glocker has sinced written about articles on various topics from Computers and The Internet, Marriage and Babies. Pete Glocker is employed in the Education and Charitable Services Department at Debt Management Credit Counseling Corp. ("DMCC"), a 501c(3) non-profit charitable organization located in Boca Raton, Florida. Pete graduated from Florida Atlantic University. Pete Glocker's top article generates over 135000 views. to your Favourites.