Family
Credello: How to Finance a Summer Vacation in 2023
NEW YORK (Newswire.com) – Credello: As summer approaches, many of us are eagerly planning our dream vacations. However, financing a summer vacation can be a challenge for some. Let’s explore smart strategies to help you fund your summer getaway in 2023 without negatively impacting your credit score. We will also discuss specific factors that do not affect your credit, ensuring you make informed decisions along the way.
Create a vacation budget
Before diving into financing options, it’s essential to establish a realistic budget for your summer vacation. Consider expenses such as accommodation, transportation, meals, activities, and souvenirs. By having a clear understanding of your financial boundaries, you can make better decisions when it comes to funding your trip.
Save money in advance
One of the most effective ways to finance a summer vacation is to save well in advance. Set aside a portion of your monthly income specifically for your vacation fund. Consider automating your savings through autopay, directing a set amount of money from your paycheck into a separate savings account. This ensures consistent progress without relying on willpower alone.
Take advantage of travel rewards programs
If you have a credit card that offers travel rewards, now is the perfect time to utilize them. Research credit cards that provide travel-related perks, such as airline miles or hotel points, and choose one that aligns with your vacation plans. Be sure to pay off your balance in full each month to avoid accruing interest and maintain a healthy credit score.
Explore peer-to-peer lending
Peer-to-peer lending platforms offer an alternative financing option for your summer vacation. These platforms connect borrowers directly with lenders, cutting out traditional financial institutions. While interest rates and terms vary, peer-to-peer lending can provide quick access to funds without impacting your credit score. Remember to compare rates and read reviews to ensure you choose a reputable platform.
Consider a personal loan
If you prefer a more traditional lending option, a personal loan can be viable for financing your summer vacation. Personal loans typically have fixed interest rates and set repayment terms, making budgeting easier. However, it’s important to borrow responsibly and only take on what you can comfortably repay. While personal loans can affect your credit score, managing them responsibly can have a positive long-term impact.
Utilize vacation layaway programs
Many travel agencies and vacation providers now offer layaway programs, allowing you to pay for your trip in installments over time. This option can be particularly useful if you prefer to avoid interest charges or are hesitant about taking on new debt. Ensure you thoroughly understand the terms and conditions of the program, including cancellation policies, before committing.
Factors that do not affect your credit score
It’s crucial to understand what factors have no impact on your credit score to make informed financial decisions. For example, autopay won’t negatively affect your credit score. In fact, setting up autopay for your bills can help ensure timely payments and improve your credit score. Additionally, income, employment history, and assets do not directly influence your credit score, although lenders may consider them during the loan application process.
Bottom line
Financing a summer vacation in 2023 doesn’t have to be daunting. Remember to choose options that align with your financial situation and goals, and always prioritize making timely payments to maintain or improve your credit score.
About Credello
Credello is a financial tech company offering a personal finance tool that simplifies financial decisions through personalized, on-demand recommendations — so users can borrow, save, or invest with confidence. Credello believes that finding the right financial product should be as easy and interactive as online shopping, and we are on a mission to make that possible. For more information, please visit https://www.credello.com.
Source: Credello
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Lifestyle
Sex on TV: Less impact on teens than you might think
Research shows that, despite fears, exposure to sexual media does not meaningfully correlate with teens and sexual behavior. Instead, parental guidance remains crucial in shaping teens’ understanding of sexuality.
Christopher J. Ferguson, Stetson University
Few people would doubt that sex is ubiquitous in media – whether movies, television, music or books – and that teens today have unprecedented access to all of it. It’s often taken for granted that this easy access to “sexy media” has an influence on teenage sexuality.
Specifically, the worry is that teens may have sex earlier or engage in higher-risk sexual activities such as having multiple partners or exposing themselves to potential pregnancies or STDs. In 2010 the American Academy of Pediatrics even published a position paper claiming that sexually explicit media could promote risky teen sexual behavior.
But government data find that teens are actually waiting longer than in the past to have sex. And teen pregnancy rates are at historic lows. How is it possible that sexy media has such a pernicious effect even as teen sexuality is becoming healthier?
I’ve spent more than a decade researching how media – like video games or advertising – influences youth behavior. What fascinates me is how society interacts with media, often embracing salacious content while simultaneously blaming it for societal problems, whether real or imagined.
So my colleagues and I decided to look at the research on sexy media and teenage sexual behavior to see how the strong the link between the two is.
Sexy media doesn’t predict sexual behavior
Despite the common assumptions about sex in the media and its alleged effects on teens, the evidence behind the link is weak. Some studies find evidence for a small effect (perhaps in some circumstances but not others), while others find no evidence for any effect.
One reason the evidence may not be conclusive is that there are practical and ethical limitations to conducting research. We can’t run experiments where teens watch different TV shows and we wait around to see who has sex. This means research often relies on self-reported data. What we do is ask teens to report on their sexual behavior and their media preferences, as well as other variables we might like to control for (such as personality or family environment) and see if correlations exist.
With this in mind, my colleagues Patrick Markey at Villanova and Danish researcher Rune Nielsen and I conducted a meta-analysis of 22 studies with over 22,000 participants that examine the correlation between sexy media and teenage sexual behavior. A meta-analysis lets us look for commonalities in the results, and is something that had not been done previously with this pool of research.
All of the studies in the meta-analysis looked at depictions of sexual situations, nudity, partial nudity or explicit discussions of sex in television shows or movies easily accessible to minors (and thus excluded pornography).
In particular, we were curious to see whether sexy media predicted teen sexual behavior once other variables had been controlled. For instance, maybe boys tend to watch sexier media and also are more sexually risk-taking. Or perhaps youth who are more liberal in terms of personality are more open both to sexy media and earlier sexual initiation. Perhaps a difficult family background is the underlying key to understanding any correlation between media use habits and actual sexual behavior.
Ultimately, this is what we found. Once other factors such as family environment, personality or even gender were controlled, sexy media exposure did not meaningfully correlate with teen sexual behavior.
Contrary to common fears, sexy media doesn’t seem to have any practical significance for when teens first have sex or start other sexual behaviors. This lack of correlation is a warning sign we might be on the wrong track in trying to blame media for teen sexual risk-taking.
Why doesn’t media influence teens?
There are numerous theories that discuss how individuals and media interact. However, many older media effects theories didn’t consider why people were drawn to media, how they processed it, or what they hoped to get from it. Such theories assumed viewers simply irrationally and purposelessly imitated what they saw. Most of the papers we examined in our meta-analysis were tests of these basic, automatic, media effects theories.
In the past few years, some scholars (myself included) have specifically called for the retirement of these older media effects theories. This is because the evidence increasingly suggests that fictional media such as feature movies or sitcoms media is too remote to have a clear impact on consumers’ behavior, especially compared to families and peers.
In addition, emerging evidence suggests that young children process fictional media differently from real events. If small children are able to process a difference between fictional events and real events, we can assume that teens don’t really expect media to reflect reality.
Our results regarding the limited impact of media also fit with the observations from societal data. Despite a plethora of sexual media available to teens, a crisis of risky teen sexual behavior has not emerged.
We watch what we’re interested in watching
Newer models of media use suggest that it is the individuals who consume media, not the media itself, who are the driving agents of behavior. Evidence suggests that users seek out and interpret media according to what they want to get from it, rather than passively imitating it.
People don’t generally accidentally watch media, sexual or otherwise, but are motivated to do so because of preexisting desires.
For instance, some recent studies have indicated that youth seek out media that fit with preexisting motives, called a selection effect, but that media don’t necessarily lead to further problem behaviors. For example, research suggests that some teens who are already aggressive might be interested in violent video games, but playing such games doesn’t make kids more aggressive.
That’s a point that sometimes seems ignored when we talk about teens and sex. Interest in sex is a largely biologically motivated process; fictional media really isn’t required. Teens will become interested in sex all on their own.
Parents have more influence than the media
Parents can rest a bit easier since the evidence suggests that media isn’t a primary driver of teen sexuality.
To the extent media has any impact at all, it is likely only in a vacuum left by adults reluctant to talk to kids about sex, especially the stuff kids really want to know.
How do you ask someone out on a date and how do you handle it if they say no? What does sex feel like? When is it OK to have sex? What are the risks and how do you avoid them? In the face of patient, empathic and informative discussions about sex by adults kids trust, the media likely has little influence.
Ultimately, whether media have salacious or more conscientious portrayals of sexuality, we should not expect media to replace conversations with youth by parents, guardians and educators.
I’m not suggesting everyone run out and buy “50 Shades of Grey” for their teen, but if teens happen to come across it (and they will), it’s not the end of the world.
The important thing for parents is to talk to their kids.
Christopher J. Ferguson, Associate Professor of Psychology, Stetson University
This article is republished from The Conversation under a Creative Commons license. Read the original article.
Our Lifestyle section on STM Daily News is a hub of inspiration and practical information, offering a range of articles that touch on various aspects of daily life. From tips on family finances to guides for maintaining health and wellness, we strive to empower our readers with knowledge and resources to enhance their lifestyles. Whether you’re seeking outdoor activity ideas, fashion trends, or travel recommendations, our lifestyle section has got you covered. Visit us today at https://stmdailynews.com/category/lifestyle/ and embark on a journey of discovery and self-improvement.
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Family
Why ‘A Charlie Brown Christmas’ almost didn’t air − and why it endures
Stephen Lind, University of Southern California
It’s hard to imagine a holiday season without “A Charlie Brown Christmas.” The 1965 broadcast has become a staple – etched into traditions across generations like decorating the tree or sipping hot cocoa.
But this beloved TV special almost didn’t make it to air. CBS executives thought the 25-minute program was too slow, too serious and too different from the upbeat spectacles they imagined audiences wanted. A cartoon about a depressed kid seeking psychiatric advice? No laugh track? Humble, lo-fi animation? And was that a Bible verse? It seemed destined to fail – if not scrapped outright.
And yet, against all the odds, it became a classic. The program turned “Peanuts” from a popular comic strip into a multimedia empire – not because it was flashy or followed the rules, but because it was sincere.
As a business professor who has studied the “Peanuts” franchise, I see “A Charlie Brown Christmas” as a fascinating historical moment. It’s the true story of an unassuming comic strip character who crossed over into television and managed to voice hefty, thought-provoking ideas – without getting booted off the air.
Call from the blue
The “Peanuts” special came together out of a last-minute scramble. Somewhat out of the blue, producer Lee Mendelson got a call from advertising agency McCann-Erickson: Coca-Cola wanted to sponsor an animated Christmas special.
Mendelson had previously failed to convince the agency to sponsor a “Peanuts” documentary. This time, though, he assured McCann-Erickson that the characters would be a perfect fit.
Mendelson called up “Peanuts” comic strip creator Charles “Sparky” Schulz and told him he had just sold “A Charlie Brown Christmas” – and they would have mere months to write, animate and bring the special to air.
Schulz, Mendelson and animator Bill Melendez worked fast to piece together a storyline. The cartoonist wanted to tell a story that cut through the glitz of holiday commercialism and brought the focus back to something deeper.
While Snoopy tries to win a Christmas lights contest, and Lucy names herself “Christmas queen” in the neighborhood play, a forlorn Charlie Brown searches for “the real meaning of Christmas.” He makes his way to the local lot of aluminum trees, a fad at the time. But he’s drawn to the one real tree – a humble, scraggly little thing – inspired by Hans Christian Andersen’s fairy tale “The Fir Tree.”
Jazz – and the Bible
Those plot points would likely delight the network, but other choices Schulz made were proving controversial.
The show would use real children’s voices instead of adult actors’, giving the characters an authentic, simple charm. And Schulz refused to add a laugh track, a standard in animated TV at the time. He wanted the sincerity of the story to stand on its own, without artificial prompts for laughter.
Meanwhile, Mendelson brought in jazz musician Vince Guaraldi to compose a sophisticated soundtrack. The music was unlike anything typically heard in animated programming, blending provocative depth with the innocence of childhood. https://open.spotify.com/embed/album/2XnNY3GEkbWHor5kyvXLu4?utm_source=generator
Most alarming to the executives was Schulz’s insistence on including the heart of the Nativity story in arguably the special’s most pivotal scene.
When Charlie Brown joyfully returns to his friends with the spindly little tree, the rest of the “Peanuts” gang ridicule his choice. “I guess I really don’t know what Christmas is all about,” the utterly defeated Charlie Brown sighs.
Gently but confidently, Linus assures him, “I can tell you what Christmas is all about.” Calling for “Lights, please,” he quietly walks to the center of the stage.
In the stillness, Linus recites the Gospel of Luke, Chapter 2, with its story of an angel appearing to trembling shepherds:
And the angel said unto them, Fear not: for, behold, I bring you tidings of great joy, which shall be to all people.
For unto you is born this day in the city of David a savior, which is Christ the Lord.
https://www.youtube.com/embed/KXmGLJ0S1Bs?wmode=transparent&start=0 Leave it to Linus to deliver the ‘true meaning’ of Christmas.
“Glory to God in the highest, and on earth peace, good will toward men,” he concludes, picking up his security blanket and walking into the wings. The rest of the gang soon concludes Charlie Brown’s scrawny tree isn’t so bad, after all – it just “needs a little love.”
When Schulz discussed this idea with Mendelson and Melendez, they were hesitant. For much of U.S. history, Protestant Christianity was the default in American culture, but in the years since World War II, society had grown somewhat more mindful of making room for Catholic and Jewish Americans. Unsure how to handle the shifting norms, many mainstream entertainment companies in the 1960s tended to avoid religious topics.
“The Bible thing scares us,” CBS executives said when they saw the proofs of the special. But there was simply no time to redo the entire dramatic arc of the special, and pulling it was not an option, given that advertisements had already run.
Fun and philosophy
Fortunately for the “Peanuts” franchise, when the special aired on Dec. 9, 1965, it was an instant success. Nearly half of American households tuned in, and the program won both an Emmy and a Peabody Award. Schulz had tapped into something audiences were craving: an honest, heartfelt message that cut through the commercialism.
Millions of viewers have continued to tune in to the show’s annual rebroadcast for over 50 years on CBS and then ABC – and now Apple TV+.
When I was researching my spiritual biography of Schulz, “A Charlie Brown Religion,” one of my favorite finds was a 1965 letter from a Florida viewer, Betty Knorr. She praised the show for stressing “the true meaning of the Christmas season” at a time when “the mention of God in general (is) being hush hushed.”
The magic of Schulz’s work, though, is that it resonates across demographics and ideologies. Some fans find comfort in the show’s gentle message of faith, while others embrace it in a purely secular way.
Simple but poignant, Schulz’s art and gentle humor can do two things. They can act as safe entry points for some pretty hefty thoughts – be they psychiatric, cultural or theological. Or “Peanuts” cartoons can simply be heartwarming, festive entertainment, if that’s what you want.
Today, both the “Peanuts” empire and the Christmas industry are thriving. Back in the 1960s, commercial realities almost derailed Schulz’s special, yet those same forces ultimately ensured its broadcast. The result is a lasting touchstone of innocence, hope and belief.
Stephen Lind, Associate Professor of Clinical Business Communication, University of Southern California
This article is republished from The Conversation under a Creative Commons license. Read the original article.
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Family
Navigating Changes as a Family
(Family Features) Every family experiences changes. Some are planned, others are unexpected. Some are joyful, others are marked by pain or uncertainty.
Whether it’s divorce, the death of a loved one, welcoming a new sibling or moving to a new home, these events impact every member of the family. For young children, even small changes can feel monumental, and how adults talk with them affects how they respond and cope.
Dr. Lauren Loquasto, senior vice president and chief academic officer at The Goddard School, shares this guidance to help families navigate change.
Why Transitions Matter to Young Children
To understand why transitions affect children so deeply, it’s important to remember children see the world differently than adults. Their routines, relationships and surroundings establish a sense of security and safety. Their families and role within them form their initial identities. Any disruption, big or small, can shake their foundation. Children can handle change, but adults must help them process it.
Children are naturally perceptive. When something changes, they notice. When they lack the language or understanding to ask questions, they express their feelings through behavior. It’s how young children express, “I’m feeling something, but I don’t have the words for it.”
When children become clingier after a new sibling is born or struggle with meltdowns in a new classroom, they’re trying to process the changes in their lives. These behaviors signal, “I’m not sure what to do with all these feelings.”
View Changes Through Children’s Eyes
Everyone experiences changes differently. Even within the same family, adults and children may perceive and respond to the same event in unique ways. An adult may see moving to a new home as an exciting fresh start while children may see it as leaving behind the only bedroom they’ve ever known.
Approaching changes through a child’s lens helps reframe what’s happening. Instead of minimizing feelings, adults can acknowledge the shift children are experiencing and guide them with care.
Proactively Communicate
When families face big changes, one of the most common questions is, “What do we tell the kids?” There’s often a struggle between wanting to protect children from overwhelming emotions and offering them enough information to make sense of what’s going on.
Rather than avoiding the conversation, discuss what’s happening using this framework:
- Acknowledge what’s happening. Use clear, simple language, such as: “Daddy is moving to a different house and you’ll have two homes now.”
- Focus on the present or immediate future. Young children often don’t have a solid grasp of time. While they can understand routines and orders of events, it takes well into elementary school for them to truly conceptualize time.
- Name the feelings. Give children words for what they might be feeling. “It’s OK to feel sad or confused right now. Sometimes changes feel hard.”
- Provide reassurance. Let them know that even though things are changing, they’re still safe and loved.
- Encourage questions. If you don’t have an answer, it’s OK to say, “I’m not sure, but I’ll find out,” or “We’re figuring this out together.”
Avoidance is a natural instinct, but silence leaves children to fill in the gaps with their imaginations, which can be scarier than reality. Moreover, when they sense something is different but no one is talking about it, children might feel alone in their confusion. By proactively communicating, you tell them, “I’m here with you.”
Embrace Feelings
Transitions can be emotional and children need space to express their feelings without judgment. When a child cries or lashes out, instead of responding with, “Don’t be sad,” validate the experience by saying, “I see you have big feelings right now. I’m here with you.” Help your child manage these feelings by encouraging active expressions, such as drawing, writing or moving to music.
Transitions can be challenging, but they’re also opportunities to build resilience and deeper connections. Approaching big changes with empathy, proactive communication and an open heart helps children feel more secure and confident to move forward.
To watch a webinar featuring Loquasto sharing additional guidance and access parenting insights and resources, visit the Parent Resource Center at GoddardSchool.com.
Photos courtesy of Shutterstock
SOURCE:
The Goddard School
Our Lifestyle section on STM Daily News is a hub of inspiration and practical information, offering a range of articles that touch on various aspects of daily life. From tips on family finances to guides for maintaining health and wellness, we strive to empower our readers with knowledge and resources to enhance their lifestyles. Whether you’re seeking outdoor activity ideas, fashion trends, or travel recommendations, our lifestyle section has got you covered. Visit us today at https://stmdailynews.com/category/lifestyle/
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