Playground Safety Checklist (By Guest Blogger, Ken Allen)

Most parents will tell you that raising kids is very different today than it was when they were growing up. In many ways, that’s true. Consider how kids spend their free time:

Children today have so much of their time outside of school occupied by structured activities that parents need a separate datebook just to keep up with their kids’ daily schedules.

Even though a lot of aspects about raising kids have changed, a lot of parts are just as parents remember them. One of those aspects is the importance of the playground. Even with competition from video games and streaming video, the playground remains one place kids are sure to congregate.

That’s a good thing, too, because playgrounds offer children the opportunity to get some much-needed exercise as well as kick-start other areas of their intellectual and social development.

Although playgrounds remain as popular with kids today as they did in generations past, playgrounds themselves have changed somewhat over the years, particularly when it comes to safety. Whereas playgrounds of the past featured concrete or asphalt underneath many of them, today’s versions are far more likely to feature soft wood chips or recycled rubber to cushion falls. Metal slides have given way to plastic ones that don’t heat up to dangerous levels under the sun. Swing sets often include special swings that will safely hold toddlers without allowing them to slip off the seat. However, just because playgrounds have become safer over the years doesn’t mean parents don’t have to worry about playground safety at all.

Teaching kids how to use playgrounds safely and inspecting equipment to look for potential hazards are responsibilities parents should take seriously, even as playgrounds become safer, in general. In doing so, parents can help ensure that their kids gain the full benefit of everything playgrounds offer them. Consult the following checklist the next time you take your kids to the playground, and you can make sure they’ll have a fun day with their friends, just the way you did when you were a kid.

“Playground Safety Checklist courtesy of Merrillville Personal Injury Lawyer Keneth J. Allen Law Group”

Dear Jack: You Lost Your 2nd Tooth by Eating a Croissant?!

6 years, 9 months.

Dear Jack,

Saturday morning your breakfast mostly consisted of your favorite croissants from Kroger. I was on the carpet, playing with Holly, when you proclaimed from the kitchen table, “Hey, I think this croissant is going to make me lose my tooth.”

Obviously, I immediately thought that was a strange statement. However, I did recall brushing your teeth earlier that week and you pointing out that your other bottom middle tooth was getting pretty loose.

To my surprise, when I walked over to the kitchen table and took a close look at your tooth, it was undeniable. I explained to Mommy, “Yeah, actually… it’s sticking out like a drawbridge.”

From there, I was assigned to helping you try to pull the tooth. Mommy wet a paper towel for me and I brought it over to you. “Don’t pull it too hard, Daddy…” you warned.

I assured you all I would do was just barely tug at it.

And that’s all I did. I pulled no harder I would pull a Kleenex from the box.

But the tooth immediately popped out with just that easy, tame, and thoughtless little tug.

“What?! It’s already out!” I yelled over to Mommy, who was holding your sister at the kitchen counter.

So that’s how it happened. I can truly say that was the easiest tooth that I have ever seen pulled.

A croissant! Not an apple. Not anything crunchy.

But instead, one of the softest textured foods a person can eat; maybe only second to cotton candy.

That tooth must have been really loose before you ever ate that croissant… obviously. But still, there wasn’t an ongoing conversation about your tooth being loose, like there was for your first tooth you lost back in April.

Still such a strange surprise.

Oh well, at least you also made a quick 3 bucks off the deal too.

Love,

Daddy

What I’ve Learned from My Dog About My Finances Ahead of Having My First Child (By Guest Blogger, Jacob Evans of Dollar Diligence)

I do not have a child, which you probably inferred from the title of this article.

Do I want one? Yes.

Am I ready for one? I think so.

Whether I really am or not, I can tell you this, my dog has helped me prepare mentally
and financially for my first child when me and my wife are ready for one.

Mentally by helping me learn patience and what it’s like to have a 24/7 responsibility. I
had to stay patient when my dog was a puppy and wasn’t potty-trained (it was very
hard) and I always had to consider how my dog would be fed and walked every day.

Financially by teaching me to consider the future and start preparing for it. For
example, I knew my dog had a predisposition for hip problems and certain diseases. I
knew if I had to pay for these alone that I would have to pay for a big bill so I went
ahead and bought pet insurance.

I have actually already started planning for my first child by starting to save for his or her
education. I know first-hand how bad student loan debt can be, and if graduates today
have over $27,000, then I can’t even imagine how high it will be when my child
graduates. I hope to help my child avoid student loans altogether if possible.

Below, I will talk to you about how my pup has helped me plan for the finances that lie
ahead of having a child because you know, you can never be TOO prepared ahead of
time.

Devoting Attention to the Dog

One of the many things that I learned and that will help me once I do have a child is that
I must devote time to my dog. If I do not, my dog will not thrive and he will eventually
start to destroy my home in an effort to get my attention. It is important that I make sure
I take time to walk my dog and even play with him out in the backyard because if I do
not, he will be hyper and rambunctious the entire night.

While a young child may not be as rambunctious as a dog without play or a child may
not chew up your furniture, you do need to devote time to your child and work on
training them. Your child will only thrive if he or she has one on one time with his or her
parent. You will need to learn to set time aside and so will I. I cannot be consumed in
my work or in myself all day and neglect to provide my baby with the attention that he or
she needs.

Having a dog has opened my eyes to how much I do focus on myself and how much
change will need to occur when I do decide to have a child with my wife. Of course, I will
move mountains to make time for my child, but having a dog has helped me realize just
how short the days can be.

Providing for the Dog in More Ways Than One

When it comes to a dog, you cannot just purchase or adopt one and then be done with
it. They do not take care of themselves and a child will not be ready to take care of
himself or herself for a while either.

Owning a dog comes with a lot of responsibility. For example, you will need to provide
food and water for the dog. I cannot just avoid feeding and hydrating my pup because I
am pressed for time. I NEED to make sure that he has enough food and water to
sustain him while I am away from the house. In addition, when he runs out of food, I
need to be able to go out and purchase him more.

Another thing to think about is insurance. Though it’s hard to tell if it’s worth it or not, I
have purchased insurance for my pet because I do not even want to think about what
could happen if my pup was hit by a car and we could not afford the care needed. I
have made sure to purchase a policy that protects my dog in events like that, so that he
can visit the vet when needed and I do not have to worry about emptying everyone’s
piggy bank to make it happen.

Lastly, entertainment is another expense on the list. While I will need to provide much
more entertainment to a child over the course of their life, a dog is not much different. In
fact, whenever I want to take my dog out to the dog park to play fetch, we have to drive
10 minutes one way, which also means I need to use gas to do so. These entertainment
trips may seem small and inexpensive, but over time they start to add up.

A Pet Prepares You for a Child

If you have not realized it by now, a pet can truly prepare you for a child. Just like a dog
needs food, water, insurance, shelter, and entertainment, so does a child. As you take
care of your pet, try to think of ways these actions would apply similarly in a situation
with a child. I know my dog has allowed me to open my mind and see how much work,
time, and devotion it takes to raise a child.

Jacob runs a personal finance blog called Dollar Diligence where he tracks his journey
to financial freedom. For more advice and articles, you can find him on Twitter.

Dear Jack: You’re Back from Summer Vacation 2017 at Nonna and Papa’s

6 years, 9 months.

Dear Jack,

This has been the longest amount of time that Mommy and I have spent without you; 10 whole days!

Obviously, we called you on video phone at least once a day, thanks to Facebook messenger. That way, CIA members in Hawaii were also able to catch up on all you’ve done while spending your summer vacation in Alabama.

I say that jokingly (?) because Mommy and I went through the trouble of renting some movies from Redbox while you were gone; Snowden being one of them.

Yes, it was much quieter without you in our house for 10 days, but I have to say, it wasn’t as good. Mommy and I are too accustomed to having a 6 year-old expert inform us of little known facts about dinosaurs and Pokemon.

And obviously, your baby sister kept looking for you the whole time. She kept pointing to your pictures on the wall, doing her best to pronounce your name.

But finally, you got back a week ago and now we can get back to the norm. We missed our little boy!

Speaking of Facebook, Nonna was faithful to keep us posted every couple of hours on whatever fun thing that she and Papa were taking you to do. It became obvious quick that you were not simply just hanging out at their house. No, you were on the move!

You went hiking, to a splash pad, to scrap yard, and to see The Emoji Movie; just to name a few!

Of course, you loved being able to spend time playing with your cousins the whole time as well.

And now the summer has officially come to a close. A week ago you started 1st grade!

Yes, you are now our brilliant 1st grader son. First grade is going to be great.

Love,

Daddy

MyHeritage DNA Test Results are Back… But Do You Agree with the Results?

Either my DNA results from MyHeritage are inaccurate, or what my family has believed this whole time about our ethnicity has been inaccurate.

Currently, I am sort of baffled. I am still sorting out the confusion. My Italian grandfather, Alberto Victorio Metallo, whose own father arrived in America a hundred years ago from Italy and could only barely speak English when he died in 1983, was Italian.

However, my results from MyHeritage do not remotely reflect my Italian heritage. Instead, the test shows I am literally 0% Italian. I went through the trouble of looking up exactly what countries of origin my DNA traces back to, according to the regions that MyHeritage provided, and removed the countries in which the test showed I have no DNA connection.

Here’s my DNA:

Nick Shell

100.0%

37.4% Central Western European (Germany, The Netherlands/Holland, France, Austria, Belgium, Switzerland)

31.8% Iberian (Spain/Portugal)

21.6% Central American (Mexico, Guatemala, Belize, El Salvador, Honduras, Nicaragua, Costa Rica, Panama)

6.1% Eastern European (Russia, the Czech Republic, Poland, Hungary, Romania, Moldova, Croatia, Slovenia, Slovakia)

2.3% Balkan (Romania, Slovenia, Croatia, Bosnia and Herzegovina, Serbia, Montenegro, Macedonia, Bulgaria, Albania)

0.8% Middle Eastern (Iraq, Iran, Lebanon, Kuwait, Syria, Saudi Arabia, Jordan)

0% (England, Finland, Ireland, Scotland, Wales, Scandinavia, Greece, Italy, Sardinia, EstoniaLatviaLithuania, Ashkenazi Jewish, Yemenite Jewish, Mizrahi Jewish, Native American, South American, Indigenous Amazonian, African, Asian, Oceanic)

My whole life I have had reason to believe I am one quarter Italian, but I was open-minded to the idea my test would reveal instead of being 25% Italian, maybe I would only be 12.5%, as my great-grandfather Joseph Metallo (the one who came here from Italy) married a woman named Maria Vite; who could have possibly been of French descent, based on vite being a French word.

(That’s my Italian grandfather pictured above on the left; opposite me, with my son.)

However, my great-grandmother also emigrated here from Italy and spoke Italian. Maria “Mary” Vite died at age 38 in the year 1938, so there is definitely some mystery as to her family tree. But even if she was 100% French yet born in Italy, my great-grandfather would have had to been mainly of Spanish or Portuguese descent and his family would have had to at some point adopted Italian names, including their last name, Metallo.

Even if the test was a little inaccurate, I would still think I would show up at least a little bit Italian. After all, Middle Eastern DNA showed up in me, along with Eastern European, but not Italian?

If you’re wondering why I show up as nearly a quarter Central American and nearly a third Spanish (or Portuguese), it’s because my grandmother (who my Italian grandfather was married to) was Mexican.

(This is her, pictured below, being able to meet my daughter.)

That actually brings up another surprise. By quadrupling my Central American DNA, which is 21.6%, that indicates my Mexican grandmother was actually 86.4% Central American, only leaving 13.6% (that’s close to one eighth) to be Spanish. Then, once I subtracted that 13.6% from the Spanish part of me (31.8%), it left 18.2%. I then multiplied that percentage times 4 again, to assume how Spanish my Italian grandfather must have been: 72.8%.

According to my theory, my Mexican grandmother was mainly Central American (barely Spanish) and my Italian grandfather was mainly Spanish (not Italian at all); leaving the rest of him to have been 9.2% Balkan (Romania, Slovenia, Croatia, Bosnia and Herzegovina, Serbia, Montenegro, Macedonia, Bulgaria, Albania). That brings my Italian grandfathers DNA up to exactly 82%.

Next I added the 3.2% Middle Eastern he must have been; now totaling 85.2%. That implies the rest of him had to have been Central Western European, which includes French.

This also means, by default, my dad has to be of Spanish descent as well, because there’s still Spanish DNA to be accounted for.

Most of my test makes sense. My last name is Shell, which in German, means “loud and noisy.” So that accounts for some of the 37.4% Central Western European.

But is this test accurate? Is it possible that I am truly not Italian at all? What do you think?

In the meantime, my mom is taking the test too. Being half-Mexican, half-Italian her whole life, I’m curious to know what the test says about her. We should know by October…

And if you’re interested in taking a DNA test like I did, here’s the link to MyHeritage.