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	<title>Comments on: Talking to a Child About Home Foreclosure</title>
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	<link>http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/</link>
	<description>Simple, applicable personal finance advice for the modern world</description>
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		<title>By: Linda</title>
		<link>http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/comment-page-2/#comment-396993</link>
		<dc:creator>Linda</dc:creator>
		<pubDate>Sun, 19 Oct 2008 01:36:24 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/#comment-396993</guid>
		<description>When I was growing up, we moved--a lot.  I can&#039;t even remember all of the places we lived or the number of schools I went to.  We moved mostly because of my Dad&#039;s love of wandering, and the fact that he could find work anywhere.  Most of the time he and my Mom did well, and while they didn&#039;t spend like there was no tomorrow, we seemed to have plenty of money.  There were a few things I didn&#039;t learn until I was an adult.  For example, one of my Dad&#039;s business partners wiped out a business account, leaving us almost broke.  Another time my mom had some medical bills, with no insurance (a new job, and insurance wasn&#039;t in effect--before COBRA), and that left us pretty lean.  I remember staying with friends once.  I thought we were visiting.  Maybe we weren&#039;t.  There were other bumps in the road.  They never went bankrupt.  They paid every bill.  I&#039;d have been proud of that if I&#039;d have known there were problems.  I&#039;m sure they worried, a lot.  But they didn&#039;t tell me, or my sister.  They didn&#039;t burden us with it.  They still taught us about money, and did their best to teach us how to handle it, likely using the hard lessons they&#039;d learned.  I was a child.  I didn&#039;t need the weight of financial problems, that I could do nothing about, on my shoulders.  Had I known, I&#039;d have been worried, probably frightened, and helpless to do anything about it.  My parents handled it.  They took care of me without sharing the burden with a child.  I never doubted their ability to take care of me.  Thoughts of being out on the street, without enough food to eat and other consequences of money troubles never entered my mind.    I will always be grateful for that.  

Times are tough, for sure.  Eight year olds shouldn&#039;t have to pay for it.  Tell them about not talking to strangers and things they have to know to keep them safe.  Don&#039;t tell them about problems that will make them feel helpless and insecure when it will not keep them safe.  They need to know, or at least believe, that Mom and Dad will take care of the rent, food, etc.  They shouldn&#039;t have to worry about if there will be a roof over their heads from day to day.  Don&#039;t impose this worry on a child.  It won&#039;t make it any lighter for the parents.

I wish these folks, their son, and everyone the best.  These are troubling times, for most of us.</description>
		<content:encoded><![CDATA[<p>When I was growing up, we moved&#8211;a lot.  I can&#8217;t even remember all of the places we lived or the number of schools I went to.  We moved mostly because of my Dad&#8217;s love of wandering, and the fact that he could find work anywhere.  Most of the time he and my Mom did well, and while they didn&#8217;t spend like there was no tomorrow, we seemed to have plenty of money.  There were a few things I didn&#8217;t learn until I was an adult.  For example, one of my Dad&#8217;s business partners wiped out a business account, leaving us almost broke.  Another time my mom had some medical bills, with no insurance (a new job, and insurance wasn&#8217;t in effect&#8211;before COBRA), and that left us pretty lean.  I remember staying with friends once.  I thought we were visiting.  Maybe we weren&#8217;t.  There were other bumps in the road.  They never went bankrupt.  They paid every bill.  I&#8217;d have been proud of that if I&#8217;d have known there were problems.  I&#8217;m sure they worried, a lot.  But they didn&#8217;t tell me, or my sister.  They didn&#8217;t burden us with it.  They still taught us about money, and did their best to teach us how to handle it, likely using the hard lessons they&#8217;d learned.  I was a child.  I didn&#8217;t need the weight of financial problems, that I could do nothing about, on my shoulders.  Had I known, I&#8217;d have been worried, probably frightened, and helpless to do anything about it.  My parents handled it.  They took care of me without sharing the burden with a child.  I never doubted their ability to take care of me.  Thoughts of being out on the street, without enough food to eat and other consequences of money troubles never entered my mind.    I will always be grateful for that.  </p>
<p>Times are tough, for sure.  Eight year olds shouldn&#8217;t have to pay for it.  Tell them about not talking to strangers and things they have to know to keep them safe.  Don&#8217;t tell them about problems that will make them feel helpless and insecure when it will not keep them safe.  They need to know, or at least believe, that Mom and Dad will take care of the rent, food, etc.  They shouldn&#8217;t have to worry about if there will be a roof over their heads from day to day.  Don&#8217;t impose this worry on a child.  It won&#8217;t make it any lighter for the parents.</p>
<p>I wish these folks, their son, and everyone the best.  These are troubling times, for most of us.</p>
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		<title>By: SwingCheese</title>
		<link>http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/comment-page-2/#comment-394596</link>
		<dc:creator>SwingCheese</dc:creator>
		<pubDate>Wed, 15 Oct 2008 18:11:13 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/#comment-394596</guid>
		<description>As long as the parents are clear about the fact tht this is not the child&#039;s fault, and that the child is still loved and cherished, moving in and of itself shouldn&#039;t be that big of an issue. My parents lost our house when I was 15 (which I realize is a long way from 8), but I was ok with moving to a smaller house. 

I have never really understood the circumstances that led to the move, though, outside of a lack of money. Considering that these circumstances almost caused a divorce, I don&#039;t know that I needed to be privvy to them, especially when I was only 15. Again, making the child feel secure and loved is the key, and both  my parents were able to do that in spades. 

However, what I did observe between my parents and internalize about financial stability has had huge implications for my husband and I regarding our marriage/job future/financial future. It&#039;s very tricky, trying to discern what kids should and should not know.</description>
		<content:encoded><![CDATA[<p>As long as the parents are clear about the fact tht this is not the child&#8217;s fault, and that the child is still loved and cherished, moving in and of itself shouldn&#8217;t be that big of an issue. My parents lost our house when I was 15 (which I realize is a long way from 8), but I was ok with moving to a smaller house. </p>
<p>I have never really understood the circumstances that led to the move, though, outside of a lack of money. Considering that these circumstances almost caused a divorce, I don&#8217;t know that I needed to be privvy to them, especially when I was only 15. Again, making the child feel secure and loved is the key, and both  my parents were able to do that in spades. </p>
<p>However, what I did observe between my parents and internalize about financial stability has had huge implications for my husband and I regarding our marriage/job future/financial future. It&#8217;s very tricky, trying to discern what kids should and should not know.</p>
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		<title>By: reulte</title>
		<link>http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/comment-page-2/#comment-394386</link>
		<dc:creator>reulte</dc:creator>
		<pubDate>Wed, 15 Oct 2008 10:14:19 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/#comment-394386</guid>
		<description>My father was military and I also have a job required beaucoup travel - five continents, 23 countries - whew!  It&#039;s never easy but home is and has always been my family, a house is just where we store our stuff.  Kids are resilent if approached with simple honesty.  

I really like AnnJo&#039;s advice and will read my boy Swiss Family Robinson before our next move as soon as I can paperbackswap it!

If Peggy and family discuss money (rather than argue) then I would encourage them to allow their son to listen.  Discussion is give and take, explanation and compromise . . . and every child needs to learn that.

Children can have likes and dislikes of houses and it does no good to enthuse over how great this will all be.  Simply explain, &quot;Some things are good about moving, some things are bad.  You can always talk to me and we will try to work something out.&quot;

Shame is one way you know to change your behavior.

Definately tell the child before he starts thinking you&#039;re leaving without him!</description>
		<content:encoded><![CDATA[<p>My father was military and I also have a job required beaucoup travel &#8211; five continents, 23 countries &#8211; whew!  It&#8217;s never easy but home is and has always been my family, a house is just where we store our stuff.  Kids are resilent if approached with simple honesty.  </p>
<p>I really like AnnJo&#8217;s advice and will read my boy Swiss Family Robinson before our next move as soon as I can paperbackswap it!</p>
<p>If Peggy and family discuss money (rather than argue) then I would encourage them to allow their son to listen.  Discussion is give and take, explanation and compromise . . . and every child needs to learn that.</p>
<p>Children can have likes and dislikes of houses and it does no good to enthuse over how great this will all be.  Simply explain, &#8220;Some things are good about moving, some things are bad.  You can always talk to me and we will try to work something out.&#8221;</p>
<p>Shame is one way you know to change your behavior.</p>
<p>Definately tell the child before he starts thinking you&#8217;re leaving without him!</p>
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		<title>By: David Powell</title>
		<link>http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/comment-page-2/#comment-394206</link>
		<dc:creator>David Powell</dc:creator>
		<pubDate>Wed, 15 Oct 2008 02:35:22 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/#comment-394206</guid>
		<description>Trent excellan post!
Firstly I think that everybody can learn from this, all families should have should have a financial plan, a goal that should be worked towards. Teach kids about money, especially about debt. This should not just happen when times are tough, but also when times are good. Teach them how to save and work towards earning something</description>
		<content:encoded><![CDATA[<p>Trent excellan post!<br />
Firstly I think that everybody can learn from this, all families should have should have a financial plan, a goal that should be worked towards. Teach kids about money, especially about debt. This should not just happen when times are tough, but also when times are good. Teach them how to save and work towards earning something</p>
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		<title>By: A Girl</title>
		<link>http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/comment-page-2/#comment-393885</link>
		<dc:creator>A Girl</dc:creator>
		<pubDate>Tue, 14 Oct 2008 18:43:30 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/#comment-393885</guid>
		<description>Trent, this was a wonderful response.  Just to add a few more thoughts, if the house is going to be sold at a sheriff&#039;s sale, and the neighbors and friends from school see it and start asking him questions, Peggy&#039;s son will definitely need a clear explanation about how Mom and Dad decided to move out of the house and let the bank have it back so they can start over and leave themselves more money to be used differently this time.  If the sheriff&#039;s sale signs have been posted and torn down already and there will be no more activity at the house to explain, then I would keep the story much simpler...we&#039;ve decided that this house is too big and we are going to start over in a small house and live with Uncle xxxx for a while until we can come up with a family game plan together.  At eight years old the son needs to know that his parents have a Plan B and that they are intact as a family.  Punishing themselves over why they got into this in the first place should be a private affair kept to themselves.  They should instead teach their son the important things they are going to do differently as a family.  My house has been on the brink of foreclosure three times in the last seven years due to wide fluctuations in income from my business and my kids only know that Mom and Dad are a lot more open about budgeting and negotiating with the bank.  As the parents I think we have to display a sense of calm and neutrality and Plan B-type thinking so our kids feel like they are not part of the problem and that it is not some abyss that they are falling into (even though, privately, we adults might feel that way at times). To Peggy--you will be a stronger family if you can teach your family how to manage money more effectively as a result.</description>
		<content:encoded><![CDATA[<p>Trent, this was a wonderful response.  Just to add a few more thoughts, if the house is going to be sold at a sheriff&#8217;s sale, and the neighbors and friends from school see it and start asking him questions, Peggy&#8217;s son will definitely need a clear explanation about how Mom and Dad decided to move out of the house and let the bank have it back so they can start over and leave themselves more money to be used differently this time.  If the sheriff&#8217;s sale signs have been posted and torn down already and there will be no more activity at the house to explain, then I would keep the story much simpler&#8230;we&#8217;ve decided that this house is too big and we are going to start over in a small house and live with Uncle xxxx for a while until we can come up with a family game plan together.  At eight years old the son needs to know that his parents have a Plan B and that they are intact as a family.  Punishing themselves over why they got into this in the first place should be a private affair kept to themselves.  They should instead teach their son the important things they are going to do differently as a family.  My house has been on the brink of foreclosure three times in the last seven years due to wide fluctuations in income from my business and my kids only know that Mom and Dad are a lot more open about budgeting and negotiating with the bank.  As the parents I think we have to display a sense of calm and neutrality and Plan B-type thinking so our kids feel like they are not part of the problem and that it is not some abyss that they are falling into (even though, privately, we adults might feel that way at times). To Peggy&#8211;you will be a stronger family if you can teach your family how to manage money more effectively as a result.</p>
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		<title>By: Michiko</title>
		<link>http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/comment-page-2/#comment-393751</link>
		<dc:creator>Michiko</dc:creator>
		<pubDate>Tue, 14 Oct 2008 13:39:12 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/#comment-393751</guid>
		<description>What a difficult and painful email to read. I think the advice given was excellent. But what an extremely painful way for Peggy to learn about spending more than you can afford. Chopping up credit cards is one thing. Loosing your home is entirely another. 
I hope Peggy and her family are doing well.</description>
		<content:encoded><![CDATA[<p>What a difficult and painful email to read. I think the advice given was excellent. But what an extremely painful way for Peggy to learn about spending more than you can afford. Chopping up credit cards is one thing. Loosing your home is entirely another.<br />
I hope Peggy and her family are doing well.</p>
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		<title>By: AnnJo</title>
		<link>http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/comment-page-2/#comment-393478</link>
		<dc:creator>AnnJo</dc:creator>
		<pubDate>Tue, 14 Oct 2008 06:31:20 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/#comment-393478</guid>
		<description>Some great children&#039;s classics address the issue of moving in various ways.  &quot;The Swiss Family Robinson&quot; especially comes to mind.  As a child, my family was constantly on the move (9 moves before I was 10), and my stardard for a difficult move was formed by &quot;The Swiss Family Robinson,&quot; so by contrast, all our moves were easy. 

Peggy has a wonderful opportunity to teach her child about important things, like how families help each other, and how to form new habits, and how to let go of things while holding on to memories.  Sure, there&#039;s something to be said for the rootedness that comes from growing up in one house (not speaking from personal experience there, of course), but adaptability is best learned by experience.

Good luck to her and her family!</description>
		<content:encoded><![CDATA[<p>Some great children&#8217;s classics address the issue of moving in various ways.  &#8220;The Swiss Family Robinson&#8221; especially comes to mind.  As a child, my family was constantly on the move (9 moves before I was 10), and my stardard for a difficult move was formed by &#8220;The Swiss Family Robinson,&#8221; so by contrast, all our moves were easy. </p>
<p>Peggy has a wonderful opportunity to teach her child about important things, like how families help each other, and how to form new habits, and how to let go of things while holding on to memories.  Sure, there&#8217;s something to be said for the rootedness that comes from growing up in one house (not speaking from personal experience there, of course), but adaptability is best learned by experience.</p>
<p>Good luck to her and her family!</p>
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		<title>By: Mary</title>
		<link>http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/comment-page-2/#comment-393321</link>
		<dc:creator>Mary</dc:creator>
		<pubDate>Tue, 14 Oct 2008 01:52:15 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/#comment-393321</guid>
		<description>Trent, to lighten the mood of this string.  I posted yesterday about moving my kid a bazillion times.  Today  my son (7) got off the bus and ran up the sidewalk, more excited than normal, asking if we were selling our house.  Someone had put a political sign in our yard!  He was bummed when I told him we would let him know before we sold the house, he said to just call him at school if we decided to do it tomorrow.  Kids are soooo  flexible!</description>
		<content:encoded><![CDATA[<p>Trent, to lighten the mood of this string.  I posted yesterday about moving my kid a bazillion times.  Today  my son (7) got off the bus and ran up the sidewalk, more excited than normal, asking if we were selling our house.  Someone had put a political sign in our yard!  He was bummed when I told him we would let him know before we sold the house, he said to just call him at school if we decided to do it tomorrow.  Kids are soooo  flexible!</p>
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		<title>By: Kevin</title>
		<link>http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/comment-page-1/#comment-393312</link>
		<dc:creator>Kevin</dc:creator>
		<pubDate>Tue, 14 Oct 2008 01:32:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/#comment-393312</guid>
		<description>I agree with you Trent, this kid is 8 years old, he can see what&#039;s going on.  Better to hear it from his parents&#039; mouths than to thing the worst in his head and not &quot;really&quot; know what&#039;s happening.

My wife&#039;s family went through a similar situation when she was growing up and I don&#039;t think her parents shared much with the kids.  They still talk about it and try to figure out what happened...and they&#039;re in their 20s now.  Imagine how that must have felt when they were between 2 and 10.</description>
		<content:encoded><![CDATA[<p>I agree with you Trent, this kid is 8 years old, he can see what&#8217;s going on.  Better to hear it from his parents&#8217; mouths than to thing the worst in his head and not &#8220;really&#8221; know what&#8217;s happening.</p>
<p>My wife&#8217;s family went through a similar situation when she was growing up and I don&#8217;t think her parents shared much with the kids.  They still talk about it and try to figure out what happened&#8230;and they&#8217;re in their 20s now.  Imagine how that must have felt when they were between 2 and 10.</p>
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		<title>By: Sally</title>
		<link>http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/comment-page-1/#comment-393095</link>
		<dc:creator>Sally</dc:creator>
		<pubDate>Mon, 13 Oct 2008 21:28:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/#comment-393095</guid>
		<description>I think you may have left out the importance of re-assuring the child that there will always be a safe place for them to stay.</description>
		<content:encoded><![CDATA[<p>I think you may have left out the importance of re-assuring the child that there will always be a safe place for them to stay.</p>
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		<title>By: Monroe on a Budget</title>
		<link>http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/comment-page-1/#comment-393066</link>
		<dc:creator>Monroe on a Budget</dc:creator>
		<pubDate>Mon, 13 Oct 2008 21:04:57 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/#comment-393066</guid>
		<description>Awesome post, Trent.</description>
		<content:encoded><![CDATA[<p>Awesome post, Trent.</p>
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		<title>By: Tami</title>
		<link>http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/comment-page-1/#comment-392900</link>
		<dc:creator>Tami</dc:creator>
		<pubDate>Mon, 13 Oct 2008 17:45:51 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/#comment-392900</guid>
		<description>Peggy should be careful not to project her fear and disappointment to her son.  She has good reason to be upset about her situation, but from the perspective of an eight year old child, moving may not seem that scary and could look like an adventure.  Her son will likely have questions about school, any change in his sports or activities, and keeping in touch with friends from his current neighborhood.  She should be honest and positive about any changes in these areas.  Maybe the move is close enough that none of these things will change or maybe he will need to go to a new school and meet new friends.  Either way, she should talk to him about these things because they are a big deal to an eight year old.  Also, Peggy should anticipate any questions someone might ask her son (friends, family, or neighbors) and make sure he knows the answers.  My parents went through a similar situation when my siblings and I were high-school age.  Our house was for sale and we didn&#039;t yet have a plan for a new location.  The most difficult thing for us kids was when our friends or friends&#039; parents asked us innocently where were moving and we had to say we didn&#039;t know.  It would have been much better if our parents had given us a simple answer to this question.  Even something as vague as we haven&#039;t picked a house yet but we will still be in the same school, which is exactly what happened.</description>
		<content:encoded><![CDATA[<p>Peggy should be careful not to project her fear and disappointment to her son.  She has good reason to be upset about her situation, but from the perspective of an eight year old child, moving may not seem that scary and could look like an adventure.  Her son will likely have questions about school, any change in his sports or activities, and keeping in touch with friends from his current neighborhood.  She should be honest and positive about any changes in these areas.  Maybe the move is close enough that none of these things will change or maybe he will need to go to a new school and meet new friends.  Either way, she should talk to him about these things because they are a big deal to an eight year old.  Also, Peggy should anticipate any questions someone might ask her son (friends, family, or neighbors) and make sure he knows the answers.  My parents went through a similar situation when my siblings and I were high-school age.  Our house was for sale and we didn&#8217;t yet have a plan for a new location.  The most difficult thing for us kids was when our friends or friends&#8217; parents asked us innocently where were moving and we had to say we didn&#8217;t know.  It would have been much better if our parents had given us a simple answer to this question.  Even something as vague as we haven&#8217;t picked a house yet but we will still be in the same school, which is exactly what happened.</p>
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		<title>By: Terry</title>
		<link>http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/comment-page-1/#comment-392889</link>
		<dc:creator>Terry</dc:creator>
		<pubDate>Mon, 13 Oct 2008 17:26:56 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/#comment-392889</guid>
		<description>I have raised three children and gone from have to have not,(all is good now) but my children do not remember the bad of the hard times now that they are adults. They remember the things we did as a family, the things that do not cost money, camping, nature walks...whatever,their best memories were times spent together. You don&#039;t have to and shouldn&#039;t share all the details of your financial burdens with your children, but as another person wrote, make the move an adventure. Change generally is good, it&#039;s just hard to see the future. Think the good thoughts,practice the LOA</description>
		<content:encoded><![CDATA[<p>I have raised three children and gone from have to have not,(all is good now) but my children do not remember the bad of the hard times now that they are adults. They remember the things we did as a family, the things that do not cost money, camping, nature walks&#8230;whatever,their best memories were times spent together. You don&#8217;t have to and shouldn&#8217;t share all the details of your financial burdens with your children, but as another person wrote, make the move an adventure. Change generally is good, it&#8217;s just hard to see the future. Think the good thoughts,practice the LOA</p>
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		<title>By: the goat</title>
		<link>http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/comment-page-1/#comment-392888</link>
		<dc:creator>the goat</dc:creator>
		<pubDate>Mon, 13 Oct 2008 17:24:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/#comment-392888</guid>
		<description>Okay I am not a parent.  But you are making a huge deal out of nothing.  Just tell the boy you decided to move.  If he has questions you can choose to answer them or not.  That is a parent&#039;s privilege.

This might sound harsh.  But if your son is so mentally fragile that moving to a different house will be extremely traumatic, then you have done a horrible job raising him the past eight years.</description>
		<content:encoded><![CDATA[<p>Okay I am not a parent.  But you are making a huge deal out of nothing.  Just tell the boy you decided to move.  If he has questions you can choose to answer them or not.  That is a parent&#8217;s privilege.</p>
<p>This might sound harsh.  But if your son is so mentally fragile that moving to a different house will be extremely traumatic, then you have done a horrible job raising him the past eight years.</p>
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		<title>By: Jen</title>
		<link>http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/comment-page-1/#comment-392878</link>
		<dc:creator>Jen</dc:creator>
		<pubDate>Mon, 13 Oct 2008 17:09:39 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/#comment-392878</guid>
		<description>Right on, Trent.  An 8-year-old absolutely knows that something&#039;s up.  Don&#039;t make it worse with lies of omission.

Moving as a kid can be wrenching--I know, I did it every 3-4 years, and always over a significant distance.  I suspect that military kids have a different point of view because they know that their family has a mobile lifestyle--it is expected.  Moving is rough when you don&#039;t see it coming.  That doesn&#039;t mean the kid won&#039;t be able to deal with it, but expect a little emotional chaos.  The family will get through it and be just fine.</description>
		<content:encoded><![CDATA[<p>Right on, Trent.  An 8-year-old absolutely knows that something&#8217;s up.  Don&#8217;t make it worse with lies of omission.</p>
<p>Moving as a kid can be wrenching&#8211;I know, I did it every 3-4 years, and always over a significant distance.  I suspect that military kids have a different point of view because they know that their family has a mobile lifestyle&#8211;it is expected.  Moving is rough when you don&#8217;t see it coming.  That doesn&#8217;t mean the kid won&#8217;t be able to deal with it, but expect a little emotional chaos.  The family will get through it and be just fine.</p>
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		<title>By: Pearl</title>
		<link>http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/comment-page-1/#comment-392853</link>
		<dc:creator>Pearl</dc:creator>
		<pubDate>Mon, 13 Oct 2008 16:44:21 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/#comment-392853</guid>
		<description>Kids are a hell of a lot smarter than we give them credit for.

One of the smartest things they do it pick up on what Mom and Dad think and and do, especially when Mom and Dad are having a really hard time.

I hope that more parents will actually tell their children the truth about what is happening during hard times rather than gloss things over and anticipate that kids won&#039;t notice.  

Thank you for this kind of advice.</description>
		<content:encoded><![CDATA[<p>Kids are a hell of a lot smarter than we give them credit for.</p>
<p>One of the smartest things they do it pick up on what Mom and Dad think and and do, especially when Mom and Dad are having a really hard time.</p>
<p>I hope that more parents will actually tell their children the truth about what is happening during hard times rather than gloss things over and anticipate that kids won&#8217;t notice.  </p>
<p>Thank you for this kind of advice.</p>
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		<title>By: KNM</title>
		<link>http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/comment-page-1/#comment-392826</link>
		<dc:creator>KNM</dc:creator>
		<pubDate>Mon, 13 Oct 2008 16:05:54 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/#comment-392826</guid>
		<description>I&#039;m curious if Peggy&#039;s son will still be at the same school after they move.  We moved a few times before I was 8, and I was always thought the worst part was changing schools and having to make new friends.  If Peggy&#039;s son can remain at the same school, or if they will at least be close enough for him to see his friends, I think that will help ease the transition to a new house.</description>
		<content:encoded><![CDATA[<p>I&#8217;m curious if Peggy&#8217;s son will still be at the same school after they move.  We moved a few times before I was 8, and I was always thought the worst part was changing schools and having to make new friends.  If Peggy&#8217;s son can remain at the same school, or if they will at least be close enough for him to see his friends, I think that will help ease the transition to a new house.</p>
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		<title>By: Cory</title>
		<link>http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/comment-page-1/#comment-392816</link>
		<dc:creator>Cory</dc:creator>
		<pubDate>Mon, 13 Oct 2008 15:52:39 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/#comment-392816</guid>
		<description>The son will be no more traumatized by this move than if they were simply selling the house and buying a new one. Kids at that age are up to the adventure of it.  If the uncle and his family handle it right Peggy&#039;s son could end up happier with an extended family than he is already.

I think the most important thing he should probably know is that the bank isn&#039;t just coming in and taking their house away. Explain in as understandable terms as possible that the debt on the house is just too expensive now.  Explain what kind of mistakes you made, what you learned, and why these changes are good thing for the family.

As a parent, I know that sometimes it&#039;s hard to admit your mistakes to your children.  You want them to look up to you.  But the only way they can learn from your mistakes is to know about them.  Just be sure to tell them what you wish you had done differently and how you could have avoided the mistake in the first place.</description>
		<content:encoded><![CDATA[<p>The son will be no more traumatized by this move than if they were simply selling the house and buying a new one. Kids at that age are up to the adventure of it.  If the uncle and his family handle it right Peggy&#8217;s son could end up happier with an extended family than he is already.</p>
<p>I think the most important thing he should probably know is that the bank isn&#8217;t just coming in and taking their house away. Explain in as understandable terms as possible that the debt on the house is just too expensive now.  Explain what kind of mistakes you made, what you learned, and why these changes are good thing for the family.</p>
<p>As a parent, I know that sometimes it&#8217;s hard to admit your mistakes to your children.  You want them to look up to you.  But the only way they can learn from your mistakes is to know about them.  Just be sure to tell them what you wish you had done differently and how you could have avoided the mistake in the first place.</p>
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		<title>By: Heidi</title>
		<link>http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/comment-page-1/#comment-392628</link>
		<dc:creator>Heidi</dc:creator>
		<pubDate>Mon, 13 Oct 2008 10:55:45 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/#comment-392628</guid>
		<description>I think a bunch of people hit this indirectly, including Trent, but I just wanted to clarify it: I think there are two issues here, not just one. There&#039;s the move itself, and there&#039;s the stress that the parents are experiencing. 

Moving isn&#039;t the big issue here. It is normal these days, and while it tends to be more difficult for kids, they get used to the new situation. 

It&#039;s the parents&#039; stress that&#039;s the bigger issue: that&#039;s what the child will pick up on, whether or not he&#039;s given any explanation - and if he&#039;s not given an explanation, he will come up with his own. 

This post vividly reminded me not of a housing or job crisis in my family, but of when my mom was diagnosed with cancer when I was five. My parents were gentle in their explanations, but they didn&#039;t try to hide the situation from me or just say that &quot;mom wasn&#039;t feeling well.&quot; I knew the seriousness of the situation, and I knew that they loved me in the midst of it. Could I understand all of it? No - but I had the assurance that they knew what was going on, that the changes in our life had a reason, and as difficult things were, they would make sure I was taken care of. I remember that period in our life as a dark adventure that we took as a family. Hard - but we were in it together, and (thank God!) we came out of it together.

My three-year-old sister, on the other hand, had a far less clear idea of what was going on, being too young to understand much beyond the fact that mom wasn&#039;t feeling well - but she knew that something was very wrong, and she reacted with significant separation anxiety. Being too young to make much sense of an explanation didn&#039;t shield her from a deep awareness of the stress that her parents were experiencing, and the whole experience was a lot more difficult for her than for me, simply because I had a better idea of what was going on.</description>
		<content:encoded><![CDATA[<p>I think a bunch of people hit this indirectly, including Trent, but I just wanted to clarify it: I think there are two issues here, not just one. There&#8217;s the move itself, and there&#8217;s the stress that the parents are experiencing. </p>
<p>Moving isn&#8217;t the big issue here. It is normal these days, and while it tends to be more difficult for kids, they get used to the new situation. </p>
<p>It&#8217;s the parents&#8217; stress that&#8217;s the bigger issue: that&#8217;s what the child will pick up on, whether or not he&#8217;s given any explanation &#8211; and if he&#8217;s not given an explanation, he will come up with his own. </p>
<p>This post vividly reminded me not of a housing or job crisis in my family, but of when my mom was diagnosed with cancer when I was five. My parents were gentle in their explanations, but they didn&#8217;t try to hide the situation from me or just say that &#8220;mom wasn&#8217;t feeling well.&#8221; I knew the seriousness of the situation, and I knew that they loved me in the midst of it. Could I understand all of it? No &#8211; but I had the assurance that they knew what was going on, that the changes in our life had a reason, and as difficult things were, they would make sure I was taken care of. I remember that period in our life as a dark adventure that we took as a family. Hard &#8211; but we were in it together, and (thank God!) we came out of it together.</p>
<p>My three-year-old sister, on the other hand, had a far less clear idea of what was going on, being too young to understand much beyond the fact that mom wasn&#8217;t feeling well &#8211; but she knew that something was very wrong, and she reacted with significant separation anxiety. Being too young to make much sense of an explanation didn&#8217;t shield her from a deep awareness of the stress that her parents were experiencing, and the whole experience was a lot more difficult for her than for me, simply because I had a better idea of what was going on.</p>
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		<title>By: vicki</title>
		<link>http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/comment-page-1/#comment-392234</link>
		<dc:creator>vicki</dc:creator>
		<pubDate>Mon, 13 Oct 2008 03:53:31 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/2008/10/12/talking-to-a-child-about-home-foreclosure/#comment-392234</guid>
		<description>Great post Trent. Ruth made some great points too. The most beautiful home in the world.. is really nothing, unless there is caring, honesty, love and all those good things going on inside. Kids are brighter than we sometimes give them credit for.</description>
		<content:encoded><![CDATA[<p>Great post Trent. Ruth made some great points too. The most beautiful home in the world.. is really nothing, unless there is caring, honesty, love and all those good things going on inside. Kids are brighter than we sometimes give them credit for.</p>
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