TheCLUB Quarterly July-Sept 2013 - page 4

TheCLUB Quarterly
family matters
Teens do listen to parents
about drinking
If you have a child preparing
to start college this fall, you’re
probably thinking about the cost
of tuition and board, the quality of
the cafeteria food, the high price of
textbooks—and the temptations
of alcohol. You may worry that
nothing you say will make a
difference once your student is on
his or her own.
Fortunately, a study from
Pennsylvania State University’s
Prevention Research Center
suggests you may have more
influence than you think. The
researchers surveyed 1,900 future
college freshmen on their drinking
habits. Then they sent parents a
handbook of general information
on college student drinking, and
asked those parents to talk to their
children during the summer before
starting college, sometime during
their students’ first fall semester,
or both.
The results? Freshmen whose
parents broached the subject over
the summer were more likely to
show a pattern of not drinking or
light drinking, or to transition
away from heavy drinking habits if
they were already big consumers
of alcohol.
Experts note that the tone of such
conversations is important—you
want to share your thoughts
without lecturing your kids. But the
findings indicate that talking about
drinking instead of hoping for the
best can have good results.
health watch
Credit cards are convenient, but
unexpected fees can blindside you.
To keep your debt under control,
follow these tips:
Read the fine print on your state-
Too often cardholders don’t
do this. When you apply for a new
card, make sure you understand
all the rules and regulations. You
can be hit with a surprise late fee if
your payment cycle is changed in
midstream, for example.
Verify all the charges.
Save your
credit card receipts. When your
bill comes in, match the receipts
with the statement to ensure the
charges are correct.
money matters
Call the company.
If there is
anything on your bill that you
don’t understand, ask questions.
That’s what the toll-free number
on your bill and the back of your
card is for.
Know your credit limits.
times, a credit card company will
tack on a monthly fee when you
go over your limit.
Pay on time.
Late fees can add up
quickly, damaging your credit rating.
Avoid cash advances.
They may
be tempting, but they frequently
carry a higher interest rate than
the rest of your balance.
under control
Three simple tips
for weight loss
If you’re like most people, you’d like
to lose a little weight (or possibly a
lot), but the struggle can sometimes
seem futile. Don’t despair. Here are
a few tips from nutritionists that can
help you retake control of your diet:
Don’t let yourself get too
You don’t want to
snack every time you feel a
hunger pang, but if you starve
yourself, you’ll have a hard time
resisting whatever unhealthy
food is within reach. Plan meals
and snacks so you don’t find
yourself grabbing a candy bar in
the middle of a hunger attack.
Keep something healthy—a box
of raisins or some whole-grain
crackers—handy for those times
when hunger sneaks up on you.
Drink lots of water.
You need
to stay hydrated to maintain
your health, and water will help
you feel full without adding
unwanted calories. Drink plenty
of water when you work out as
well: You need an additional
4-6 ounces of water for every
15 minutes of exercise on top of
how much your normally drink
during the day.
Eat one less bite.
Make a point
of cutting back just a little at
every meal. Over the course of
time, you’ll reduce your calorie
intake and feel better.
Keep debt
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