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Family Matters

Rules for Kids' First Cell Phone

Are you considering getting your child their first cell phone?

If they are in the double digits, starting to spend a little time on their own or getting home by bus or walking, a cell phone can be a parent's friend. Some of us have chosen an age when a cell phone will happen; whether it's grade 3, 7 or 10, no judgment here. Every family is different and has different reasons for getting their child a mobile phone. Our oldest two set the precedence in our family when they were 12 and started bussing and being away from us for short stints. If you've decided your child will not have a cell phone until they are an adult or old enough to pay for it monthly, these rules may not be relevant for you and I applaud your resolve. I chose differently and I've had to learn along the way what that choice meant.

What I've learned and want to share is how to avoid or address some of the pitfalls we've faced as parents of five kids with five different cellphone experiences. These are mostly for elementary and junior high and are fluid, always changing. Our access and privacy rules definitely changed when they entered high school.

First, consider why your child NEEDS a cell phone. If it is for safety and your piece of mind knowing where they are, do they need a smart phone with access to the World Wide Web when they are out of the house with no supervision? If they are in elementary, probably not, but again it's your call. Just realize that your sweet, innocent 9 year old is curious and has friends who may be more curious. If you just put one curious word like... Say, "boobs" in a search engine, guess what will show up on their screen? A whole lot of boobs! This may or may not be a big deal to your family but imagine all the other curious words they can choose to access, with photos and videos! I had a friend find the word "fagina" in her computer Internet history when her sons were 8 and 10, which was her time to figure out how to safeguard them on the computer. Thank goodness for poor spelling :)

You can still get cell phones with voice and text only options or you can get a smart phone with no data plan for it: however, know they will still have access in wifi areas like friends' houses or at school. Be prepared to find questionable history if they have access to everything and anything. Kids are curious and you have just given them the answer to all their questions at their fingertips in Google!

Here are the RULES I wish we had started with before giving any of our kids a phone:

1. Access
The point of getting a cell phone for kids is usually because we want to be able to reach them (and they can reach us) when we or they are away from home. If we call or text, they should answer or respond as soon as possible.
Moms/dads have all the passwords and WE OWN the phone. The child is allowed to use the phone but it is not their possession to keep from you. If they are younger, maybe they only get access when they will be separated from their parents.
We will check the activity on the phone and the kids need to know up front that nothing is private, even if they delete it we can access the account history. This is not a spying tool for parents but an opportunity for our kids to learn about doing the right thing and for parents to help guide their child's journey in the online world.

2. Safety
If you do go the smartphone route, whether they are little or in high school:
- install a "find my phone" app. This allows you to find a lost phone... Or a lost or non-responsive child. Their location services must remain on at all times for this function to work.
- No communication with people they do not know. This holds true if they have a phone or when they begin playing online games on the family computer or tablet. These are scary discussions to have with our kids but if they are online, you need to have them. Age appropriate examples of online predators and the risks may save their lives.
- No downloading of apps without permission. Moms and dads need to know what's out there to be able to say yes or no. This is a daunting task if you aren't tech savvy and I guarantee your kids are more in-the-know then you are. If they ask to download an app you aren't familiar with, look into it. There are loads of parenting reviews available online. Say no if you're not comfortable and set an age when you may be more comfortable and they can have it.
- Set up parental controls on each device so they need a password to access downloads or certain apps. Each phone is different so check your specific phone details to do this. Don't wait, do it now.

3. Phones do NOT go to bed. The temptation of texting friends all night, the ambient light of a phone ruining sleep patterns and just a total disregard for the importance of sleep all get tested if phones go to bed with kids. They may try the "but it's my alarm clock" or "I just use it to fall asleep to music". Do not fall for this! Get them a clock radio or CD player with an alarm.

4. No phones at meals (I've broken this one on occasion and heard about it). Meal times should be spent together as much as possible and without the distraction of texts, games, videos, etc. It is a hard habit to break if you don't make the rule from the get-go. The people in front of you are much more important than the device in your hands; show them that.

5. Take care of it!
Consider what feels right for you, making them earn money for their first phone or gifting it to them. Kids are growing and learning to be responsible and they will make mistakes - that includes with their phones. Whether you bought the first one or they did, you have to decide if you will have mercy if they have one accident or lose it. I guarantee they will appreciate it more and take better care of it if they paid for it but that will work too if the repair or replacement phone was earned. Just whatever you do... Do not repair or replace a second time. It will never end! Trust me .

6. Photos, Videos and Sexting (I know, but read it!)
For the little ones, no taking pictures or videos of people without permission. Elementary kids have gotten themselves into hot water just being silly and thinking it's fun to share or show pictures of classmates in embarrassing situations, but it isn't fun for everyone. See, that was easy!

Now the hard part... Sending pornographic pics or videos of themselves or others through their phones (tablets and computers too) happening at far too young ages. I know this sounds horrific if you have kids who are very young and the concept of even bringing this up seems ridiculous; However, it's happening everyday in almost every junior high in the city. Ask your school administrators and you will find they are dealing with online bullying and sexting issues all the time. Cell phones make these situations very easy to get involved with and sadly it has become the norm. It freaks me out too, but if we don't have these conversations, monitor online activities and stay in the know, it may be our kids making this mistake, and it's a big one.
Can you imagine yourself when you had your first big crush? Can you remember peer pressure? Talking about societal issues and sexualization in the media is a whole other post, but media is influencing a generation and we can't turn a blind eye hoping it's not our child participating in these activities. I hope it isn't either, but they likely know, have seen or heard about a boy or girl who sent nude photos. Have the conversation.
Taking nude pics of underage kids is child pornography. Sending it through the Internet or a cell phone is distribution of child pornography. Even if it's the child taking and sending pictures of them self, it is still illegal. There are too many examples of kids being expelled from schools and some have been charged with these offenses. Even worse though is how it impacts the child when their private photos are shared with the entire class, school or on social media. They just didn't know how bad it could be sending one simple picture, but it can be horrible.

We need to educate our kids and prepare them for how their actions with their cell phones can change their lives in a moment. We also need to educate ourselves on the realities and dangers having access to anything can create.

Communication about the tough topics, set clear boundaries and rules, research apps, and "you own the phone" messaging all can help you in navigating the rough waters. Kids will make mistakes so be prepared for bumps in the road but by knowing and discussing in advance I hope these tips will help make your child's first cell phone experience a good one. Good luck!

Start Them off Right, or That Nest May Not Be so Empty

August 9th, 2012

With the total average cost of pursuing a four-year undergraduate degree while living away from home at $84,0001, the ability for parents to save enough to pay for their child’s studies can be challenging. As a result, students are taking on more debt – averaging $27,7472 for a graduating university student – and parents are more likely to find themselves with their grown children back home due to financial reasons.    

“Funding a four-year degree can be very difficult, especially for parents with more than one child,” says Shahz Beig, Associate Vice President, Personal Lending, TD Canada Trust. “Even if parents can’t afford to pay for all of their children’s studies, they can still help them graduate with less debt by teaching them how to fund and manage their finances for post-secondary education.”

For many parents, helping their children prepare academically for their school of choice is the main focus. But the finances catch up fast. Regardless of when their children are heading off to school, Beig says putting a financial plan in place is critical. He provides advice on how to responsibly fund post-secondary education and repay debt after graduation.

Paying for School

“Post-secondary education can be the first major expense that younger Canadians have, and the greatest next to buying a home or saving for retirement,” says Beig. “That’s why it’s important for parents to talk to their kids well in advance of college or university about what they can realistically contribute, how much they expect their kids to contribute and what options are available if they haven’t saved enough.”

Beig shares three smart ways to help fund post-secondary education and avoid excessive student debt.

RESP: One of the best ways to save for post-secondary education is by taking advantage of a registered education savings plan or RESP. RESPs allow savings to grow tax-deferred, and earnings, when withdrawn for education purposes, are taxed at the student’s tax rate. Government grants are also available to increase savings.

Scholarships, Bursaries and Grants: Once you know how much you will be able to save and how much you need, the first place to look for additional funding is through scholarships, bursaries and grants. Research what’s available well in advance. 

Summer/Part-Time Job: Encouraging your child to get a summer or part-time job can help build additional funds for post-secondary education, while helping students gain valuable skills and experience.

For those still facing a financial gap between what they have saved and the costs of post-secondary education, a student line of credit can help ensure students have access to money to cover tuition, books or living expenses, adds Beig.

“While graduating with debt may be unavoidable for many students, some options are better than others when it comes to financing post-secondary education,” says Beig. “A student line of credit provides a more cost-effective option than a loan or credit card as it offers a lower interest rate and more flexible repayment terms. The key is to use it responsibly to avoid drawing down funds for expenses that aren’t really necessary.”

Setting Your Kids Free from Debt

“A good financial plan should not only include helping your child save and pay for post-secondary education, but should also focus on managing debt after graduation,” says Beig. To help pay off student debt and get back on track financially, Beig provides these tips for graduating students: 


  • Meet with a financial advisor to create a plan to manage your student debt, regardless of your income. 
  • Protect your credit rating by always making debt payments by the due date and paying at least the minimum amount. Use a pre-authorized payment plan to ensure payments are never missed.  
  • Pay down your debts as fast as you can. Focus on higher interest debt first, like credit cards.

Click here to view an infographic on financing post-secondary education. More information can also be found at:

TD Canada Trust offers personal and business banking to more than 11.5 million customers. We provide a wide range of products and services from chequing and savings accounts, to credit cards, mortgages and business banking, to credit protection and travel medical insurance, as well as advice on managing everyday finances. TD Canada Trust makes banking comfortable with award-winning service and convenience through 24/7 mobile, internet, telephone and ATM banking, as well as in over 1,100 branches, with convenient hours to serve customers better. For more information, please visit: TD Canada Trust is the Canadian retail bank of TD Bank Group, the sixth largest bank in North America.


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