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Scenario: Missing Family Member

What Should I Do?
When discovering that a loved one is missing, the feelings of devastation and loss are hard to overcome. By following the simple steps below, you will gain some control in locating your missing loved one. Do not hesitate to seek outside assistance because, often, the missing will be returned safely and unharmed if you take action immediately. Avoid doing nothing because this action (no action) could present more danger for your missing loved one.
1. Don’t panic! You need to be clear headed to consider your actions, options and resources.
2. Gather recent photos and dental records, if possible.
3. Write down the date of disappearance and a description of the missing person; height, weight, color of eyes and hair, age and birthdate, birthmarks and other identifying items; scars, tatoos, rings. The clothing the missing was wearing could also be important. Worn clothing can provide DNA. Even interests and talents could be helpful in locating your missing person.
4. Write down names, addresses and phone numbers of people who the missing was with the last time they were seen and where the loved one was when they disappeared.
5. If a child or adult has just wandered away from home, you need to call law enforcement and/or an agency who can help you do a physical search immediately.
6. Now report your missing loved one to the agencies who can help you. There are many organizations who can help. Do not try to bear this crisis alone. You need some outside support for your sanity and assistance.
7. If internet savvy, check the missing’s email communications. Amber Alert, Porchlight International, Peace4 The Missing, The National Center for Missing and Exploited Children, the Runaway Switchboard are just some of the internet and public organizations which can help. Most of these organizations offer service for free. You could publish information about your missing family member on Squidoo, Blogger, Twitter, Facebook, My Space and any other social networks, also free.
8. Stay busy and avoid unnecessary worry. Worry increases your stress level which may be a detriment to locating your missing person.
9. Report any new communications from or locations of the missing to the selected advocate or law enforcement agencies.
10. If your missing person was a runaway and has since returned home, please visit and direct your loved one to some of the organizations which can help the person avoid future disappearances. These services are especially directed to teens and free.
Operation L.A.P. Foundation, Inc., aka Wisconsin Center 4 Missing Children & Adults (WCMCA) is an organization ready to help you. They will do physical searches. Their services are free and they are a registered 501(3)(c) charity. The organization is completely staffed by unpaid volunteers. If contacted as 1st responder, WCMCA will even report your missing loved one to your local law enforcement and act as your liaison, coordinating the search. WCMCA has helped 100’s of families.…

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Why You Should Teach Your Kids About Money

As a parent, you want to raise your children to be financially independent and to understand the value of a dollar. If your child does not understand the importance of being frugal and saving for a rainy day, chances are they will continue with those same bad habits into adulthood. Everyone wants the best for their children, so teaching them about money at an early age should make a positive impact on their lives. Let’s talk about some simple ways that you can teach your children the value of a dollar and hopefully set them on a path to financial prosperity.
1. Start when they are very young. You are presented with the perfect opportunity to introduce children to money when they are learning to count. After the child learns that 2 plus 2 equals 4, ask them to add 2 dollars plus 2 dollars. This will get the ball rolling and help them understand the correlation between money and numbers.
2. Teach the child the difference between need and want. This is a simple lesson that even a 4 year old can understand. If you break it down into terms that they can recognize, they should easily grasp the concept.
3. Teach them the value of saving. Saving money is a habit that many adults do not understand. This is because they were probably not taught as children the importance of saving money. If you explain to the child that if they spend all of their money on candy, they will not have enough to buy that one toy that they have been hoping for.
4. Give them an allowance. If you simply buy everything for your children and don’t make them spend their own money, they will never understand the value of a dollar. When they want something, tell the child that they will have to buy it with their own money. The child should have an understanding about what is expected of them when it comes to household chores and grades at school, so if they are holding up their end of the bargain and fulfilling their obligations, they deserve an allowance. Encourage them to save a portion of their allowance for the things that they might need and to use the rest for the things that they want.
5. Open a bank account. Take your child to the bank and open a savings account in their name. This will give them an opportunity to understand how banking works. The increase in their balance every week will reinforce the idea that saving money is important and possible.
6. Let them make mistakes. It is important to let children have a little freedom to choose how they will spend their money. This will give them the opportunity to make some mistakes. This may seem counter productive to the lesson you are trying to teach, but everybody makes and learns from their mistakes.
7. Teach them about the dangers of borrowing money. Understanding that borrowing money can have a negative impact on your financial well being is a concept that many adults do not understand. Teach your children the pitfalls of spending money that they do not have so that they will avoid doing so in the future.
Using these tips should set your children on a path to financial security.…