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  • 22
    Jul
    2011
    6:06am, EDT

    Parenting dilemma: What's the right age to give kids a cellphone?

    By Bob Sullivan, Columnist, NBC News

    With back-to-school buying just around the corner, smartphones cornering the teen-age market and word circulating that children may be learning to operate cellphones before they learn to tie their shoes, parents are facing an ever more complex decision:

    What's the right age to give kids a cellphone?

    Below, we'll ask you to share your policy, but first, here's a brief look at what some experts think.

    In response to other stories we've run on msnbc.com, plenty of parents say they keep phones out of their kids' hands until they can drive or until they get to college.  Perhaps.  But study after study tells a different story. Here's one: Research firm IDC says seven out of 10 kids aged 10 to 14 have phones. Here's another: Pew says one out of three 12-year-olds frequently text their friends, while only one out of four frequently talk face to face.

    That means the social pressure screws are turning really hard on those three in 10 families that are trying to hold out.  Still, giving a kid a phone is one of those important rite-of-passage moments -- like a first date, or first solo drive -- and permission shouldn't be granted lightly. It's also usually a one-way street -- good luck prying the phone out of their hands -- so no parent should feel rushed or pushed into the decision.


    What factors should go into making the choice?  Don't expect the cellphone industry to help.  Carriers insist they don't have an opinion. The cellphone trade industry group, CTIA, says much the same thing.

    -----------------------------------------------------
    Ongoing series: Red Tape Parenting Debates
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    "It's such a personal decision, like when do you put the kid in their own room, or when should they go to bed. We would completely defer to the parents," said John Walls, CTIA spokesman. "But it is becoming an increasingly important decision."

    In fact, parents searching for even general guidelines -- let alone a recommended age -- really won't find one. Psychologists generally echo the same vague advice.

    "There can't be a single answer," said Dr. Cornelia Brunner, deputy director of the Center for Children and Technology, who holds a Ph. D. in developmental psychology. Circumstances and maturity levels vary dramatically, and parents know their kids best, she said.

    Brunner has sympathy with parents trying to sort through the options.

    "These things are so new in our culture that we don't know how to get a hold of (the issues) yet," she said.

    There are seemingly endless factors to consider, beginning with economics. Cellphones are easily turned into limit-free credit cards by crafty wireless firms; stories of $10,000 phone bills should be enough to scare parents about that.  Health concerns are scary, too.  Studies about the cancer risks associated with cellphone use are inconclusive, but whatever risks may ultimately be found, children's formative brains are likely at an even higher risk. 

    There's plenty of anecdotal evidence that cellphones impact kids' social interactions with each other, and with their parents. One oft-raised concern: the digital umbilical cord. Some kids with phones call their parents every time they have even the slightest problem, robbing them of experiences that will teach them how to solve problems on their own. 

    Of course, the more mundane risks are of most immediate concern: Is your kid mature enough to ignore the phone while at school? Is your kid strong enough to resist the inevitable temptations a phone brings, like late-night texting that impacts their ability to learn in school the next day? Female teens send an average of 4,000 texts per month -- that's a real concern.  Will your kid ever talk face-to-face with you again, or succumb to what seems to be unavoidable cellphone addiction?  Will your kid use the phone to bully other kids, or will he or she be bullied? Is your kid street-smart enough to ward off approaches by sexual predators or others who might do harm?

    There is plenty to fear from cellphones, but like all fears, some are well-founded and some are fantasy. While social pressure is a bad tool for guiding parents' choices, so is fear, said Brunner. A cellphone can be perfectly appropriate, even for very young children, based on circumstances.  Plenty of kids in complicated life situations are safer because they have cellphones -- kids who must travel far for school, and often must wait for a parent to pick them up, for example. The Internet is crowded with stories of parents who purchased their kids cellphones after they lost track of them at an amusement park or on vacation.  The tragedy the Columbine murders and the terrorist attacks of 9/11, when parents and children were separated in some cases for a day or two, led to a surge of kid cell phone purchases.

    "It doesn't have to be an all or nothing thing," Brunner said. "That kind of thinking is borne out of fear."

    One way out of the black-and-white, cellphone-or-no-cellphone debate, is to consider limited-use phones or technology blocks. More parents should consider cellphones with training wheels. Most carriers offer relatively sophisticated tools that can clamp down on unwanted uses.  AT&T's Smart Limits, for example, lets parents control the times the child's handset can send and receive texts, or prevent the phone from making calls outside a pre-set list of phone numbers.

    "If you need help to set limits for your kids, why not have the technology itself help you set the kinds of limits that are appropriate?" she said. "As a parent, what you want is to help your kids have balance, and the technology can help."

    Such blocks bring the same challenges as Internet blocking software, however – the tools can be hard to use, parents often don't have time to manage them, kids finds ways around them. Perhaps that's why limited-use, kid-friendly phones like Verizon's Migo and AT&T's Firefly never really got off the ground.

    Perhaps the explosion of the child smart phone market will change that. It certainly should, Brunner said.

    "Talking about cellphones and talking about smartphones, they are two different things," she said.  "Communications devices are needed. There are some kids who need phones as early as possible, it makes them safer. But when it comes to small portable devices on which they can do everything, that's a different issue. There has to be a set of safeguards in place."

    This year, cellphone sales in the  U.S. crossed an important threshold, soaring from 35 percent to 55 percent, according to Nielson.  Comscore says the 13- to 17-year-old smartphone market grew 45 percent in the last 12 months.  That means it’s very likely the next phone a parent buys a child will be an Android, an iPhone, or some other smartphone.

    That's why Brunner thinks it's time to substantially change the conversation away from the simple question, "Should I give my kids a phone, yes or no?"  The real issue is: What are your kids doing with their phones?

    "We have to move away from the device and to the activity," she said.  "We need to talk with them about what they are doing with it and make sure we understand that.  We keep thinking our kids are addicted to the device, but it's not the device, it's the things they are doing with the device."

    Of course, parents can chose the shut-down route, and the data suggests three out of 10 are doing just that. Flat-out denying their kids access might be counterproductive, however. They'll be shut out of social circles, and when they ultimately get their own phones as older teen-agers, they may not have the skills to use them appropriately, Brunner said.

    "Just say no works about as well in technology as it has in other areas of life," she said.  "If you do that, you are making a statement that 'We are different,' and that's your prerogative.  But it may ultimately not be the best choice."

    It may be better to use the phones as a chance to teach kids about the world they live in, she said.

    "I have no doubt (cellphones) are more dangerous than they need to be, and we should worry about that," she said.  "But the point is they are here not going away, so how do we teach kids to use them in a way that is most constructive, so they feel at home in this (digital) world?"

    RED TAPE WRESTLING TIPS

    Parents can familiarize themselves with various blocking tools offered by carriers by looking at this page, maintained by CTIA. More general information on appropriate cell phone use can be found here.

    Individual handsets also offer blocking features. The iPhone, for example, is easily limited by clicking on settings, then "general," and then "restrictions." 

    Here are some other suggested strategies:

    *Don't give kids a phone until they can help pay for it, says Kiplinger's Janet Bodnar.  (Sensible, but apparently only 9 percent of teens pay for their phones, says Boston.com).

    *It's important to note that children of a certain age treat everything as a toy -- they'll lose them, they'll leave them outside in the rain, they'll play catch with them. What's that certain age? Only you know, points out ParentingFamilyMoney.com

    *Patch.com offers a good idea to prevent the dreaded texting all-nighters -- force the kids to charge their phones overnight in mom and dad's room.

    *Finally, parents are easily seduced into the seemingly low cost of family plans and simply add their child when the time comes. Of course, we all know the phenomenon called cellphone bill creep.  A limited 200-minute plan for $9.99 quickly turns into a $60 unlimited Internet, text and calling phone.  Parents who simply want their kids to be safe should strongly consider pre-paid phones, which can be as cheap as $50 and come with capped, predictable costs. Now there's a limit.

    What's your strategy or plan for dealing with the kid- and-cellphones question? Comment below.

     Follow Bob Sullivan on Facebook or Twitter.

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  • 17
    Jun
    2011
    3:34am, EDT

    Is it a good idea to give a kid a credit card?

    By Bob Sullivan, Columnist, NBC News

    The average college student is stuck with about $3,200 in credit card debt while in school, a burden which can be heavier than a backpack full of science texts. So what's the best way for parents to keep kids' debt down before they reach age 21? The advice runs the spectrum from "just say no" to "get them a card as young as possible," and everywhere in between.

    But there's little disagreement about this: Parents need to talk more to their kids about money, and about credit.  A new study published in April by the Junior Achievement Foundation found that 57 percent of 12- to 17-year-olds said their parents had never discussed money management with them. That's a recipe for disaster.

    I hope this story will help eat into that terrible number. When do you think kids should get a credit card?  Before you have your say, here's what some experts think.

    -----------------------------------------------------
    Ongoing series: Red Tape Parenting Debates
    -----------------------------------------------------

    Financial guru Dave Ramsey offers one popular view: Credit cards are the root of all financial evil, and it's a terrible idea to give them to kids. 

    "By giving a teenager a credit card, the parent — the one with supposed credibility — introduces a financially harmful substance and endorses its use, which is dumb but unfortunately very normal in today's families," Ramsey writes. "Parents must instead teach the teenager to just say NO."

    Plenty of personal finance experts disagree, however.

    "I view credit card usage as any other young adult's rite of passage, like driving,” said John Ulzheimer, president of consumer education at SmartCredit.com. “We all know eventually young people are going to use credit cards so instead of shying away from the issue I suggest hitting it head on. I think rather than waiting for your kid to get a card on their own, with little to no teaching on how to manage it, parents should consider giving them a card at 18, with strict usage rules and consequences for abuse. It's a lot more painless when your parents take corrective action than it is when a credit card issuer does the same."

    Bill Hardekopf, who runs credit advice site LowCards.com, made sure all three of his children had credit cards before their senior year of high school.

    "That way, we could sit down and talk to them about the ins and outs of the credit card industry … how the APR works, why paying by the due date is critical, how using a card correctly can help you build your credit score and how that can be beneficial down the road ... how you can use a credit card without paying any interest," he said. "In short, we wanted to observe them and train them on credit cards for a year while they were under our roof."

    The argument against giving teenagers credit cards is obvious: If they don't have cards, they can't run up credit card debt. Today’s college graduates are saddled with devastating debt -- an average of $23,000 in student debt along with an average of $4,200 in credit card debt by the time they graduate.

    Until recently, it was hard to keep cards out of college kids' hands, as many school allowed banks onto campus, where they would pitch young students hard on the benefits of plastic. The pitch usually included free pizza or some other enticing freebie.

    But Congress heard the arguments against credit cards for kids during the financial reform debate, and now bans cards for those under 21 unless they prove a source of income or get an adult co-signer.

    Ulzheimer thinks parents should seriously think about doing so, calling it a "credit card with training wheels."  Putting off the inevitable -- nearly all kids will grow up to be adults with credit cards -- will only makes things worse, he believes.

    See previous story in this series, Should 10-year-olds use Facebook?

    "Some people believe it's best to teach someone how to properly use something that they'll inevitably use rather than vilify it and force avoidance, which simply doesn't work," he said.

    Many will find keeping their kids plastic-free is nearly impossible in the Internet age, where teen-agers increasing need credit, debit or gift cards to purchase clothes and music online.

    Liz Weston, author of “The 10 Commandments of Money,” gave a more measured response, saying, "As with all things parental, it depends on the kid." But she thought it was important for parents to let their children start using a credit card while they still live at home, so parents can talk about all the important stuff: "How carrying a balance is idiotic, how much interest charges set you back, what a credit score is and how quickly you can trash it, that kind of stuff."              

    Weston also favored a co-signed card, which gives parents control over how it's used and can be withdrawn at any time.

    One thing all these experts agreed on: so-called "stored value" cards aimed at teenagers are a bad idea.  Products like VisaBuxx merely teach a kid the bad habit of swiping plastic to buy things without the corresponding pain of paying monthly bills. And these cards tend to have oppressive fees. The fee schedule for Wachovia's version of VisaBuxx, for example,  (you'll have to click three times to get to the fees declaration)  includes a 14-point service charge area describing $2 fees for each deposit onto the card, a $5 reissue fee every time the card expires, a $2 monthly inactivity fee and more. The card is marketed to kids 13 and older.

    The only thing stored value cards accomplish is putting a hard stop on kids spending when the account runs out, something that parents should be able to enforce with a co-signed debit card.

    "Prepaid debit cards stink," Weston said. "If they teach anything, it's how to get fleeced."

    Hardekopf thinks the credit card discussion is part of a larger discussion that families need to have to help their kids become responsible adults.

    "I think we do a great job training our kids,” he said. “We potty train them. We teach them how to ride a bike, to drive a car. But we do a bad job as parents training them how to handle money. And when you look at society, we don’t do a good job of talking about sex and money, two of biggest problems we all face."

    What do you think is the right age to give a kid a credit card?

    For a nice chart explaining the various plastic card options parents have, see this BankRate story. 

     

    Follow Bob Sullivan on Facebook by clicking here. 

    Comments begin below. Comment anonymously by sending an e-mail to BobSullivan@feedback.msnbc.com.    

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  • 7
    Jun
    2011
    1:22am, EDT

    Should 10-year-olds use Facebook? What's your policy?

    By Bob Sullivan, Columnist, NBC News

    All their friends do it.  They can probably figure out how to do it behind your back.  And, heck, you probably do it.  So how do you keep your kids off Facebook?

    More practically speaking: At what age do you let your kids use Facebook?

    This is the first of a new occasional series on this blog called Red Tape Parenting Debates. We'll ask some of the basic parenting questions that arise from the clash of children, technology and money.  We'll provide some research and frame the issues, but chiefly we want msnbc.com readers to share their experiences and help each other with some of the most vexing issues facing parents today. There are no right answers, but there might be a better way.  If you think you have one, share it; if you're unsure about your strategy, read on.

    -----------------------------------------------------
    Ongoing series: Red Tape Parenting Debates
    -----------------------------------------------------

    Facebook and age has been in the news a lot lately. To set the stage, let's clear up U.S. law on the matter. The Child Online Privacy Protection Act does not bar children under 13 from using websites, nor does it prevent companies from working with kids. It bans the collection of personal information contributed by kids under 13 unless the website gets "verifiable parental consent."  The "verifiable" part can vary, but generally involves getting something like a credit card number from a parent as proof of age.


    This law, however, hasn't stopped kids from signing up for Facebook — and it might be the most violated law ever. A Pew Internet & American Life Project survey recently found that  46 percent of 12-year-olds use social networks.  A Consumer Reports study found more than 5 million U.S. children under 10 use Facebook.

    Follow @RedTapeChron

    Facebook does nothing to keep young children off the site; it relies on parents to do that. In a meaningless gesture, it doesn't allow kids who declare themselves under 13 to register.  But simply trying again and declaring a legal age circumvents the token age restriction. 

    Recently, Facebook CEO Mark Zuckerberg told an education conference that elementary school children would benefit from social networks and that his firm would work to remove age restrictions, according to Fortune.

    "That will be a fight we take on at some point," he said, though he backed off those comments later.

    The clear reality is that young kids use social networks today.  In fact, 17 percent of parents recently said they were OK with pre-teens on Facebook, up from 8 percent one year ago. That study even hinted that some parents help their kids lie to get onto the site.

    Whatever the law,  parents, children and Facebook have together made up their own rules about kids and social networks. That's not necessarily a bad thing -- but it is bad if this change is happening without healthy discussion and debate. I hope we can have some on this blog.

    There's nothing magical about passing your 13th birthday. It's just as easy to imagine a mature 12-year-old who's ready for Facebook as it is to conjure up a 14-year-old who shouldn't be on the site.  What's important is that parents make a conscious decision about when Facebook use is appropriate, and not simply let the cart pull the horse. 

    There are risks to early Facebook use.  Many are obvious: Sexual predators lurk on the Web, and Facebook could be a place where they find targets. Cyberbullying is even a bigger risk, as young children often don't have the emotional and psychological awareness to make good decisions about what they post.  Many parents are also horrified when they stumble on pictures posted by their kids' friends acting out during early stages of puberty.

    In a more fundamental way, Facebook and other similar technologies might be rewiring the way kids' brains work, some scientists have warned.  There's no conclusive research, but people like British neuroscientist Susan Greenfield have spoken out warning that "screen relationships" are bad for developing brains.

    These dramatic concerns can seem distant and unlikely, however, and most parents will find the Facebook discussion involves more mundane problems, such as whether their kids are glued to social networking sites instead of doing their homework. Are they up late chatting with friends instead of getting enough sleep?  Are they sitting in front of a computer on sunny days when they should be exercising outside?  And perhaps most of all, is Facebook use triggering one of those constant power struggles between kids and parents that the adults are doomed to lose? After all, saying no at home probably means the kid will do it anyway at a friend’s house, or with a smart phone under the covers late at night.

    Naturally, Facebook offers many benefits -- otherwise 750 million people wouldn't be hooked on it.  But clearly, there is an age where kids are too young to use it. Congress, albeit awkwardly, has decided that age is 13.  What is your age? And if you let your under-13 kids use Facebook, do you place restrictions on them to moderate the experience? For example, do you manually approve all their new friends?  Do you know their password and check on their account? Do you limit their time using the site? Tell us below.

    RED TAPE TIP: There are Facebook alternatives designed for under 12 kids. Most limit interactions, and make strong efforts to verify parental permission. Of course, none offers the free-flowing communication that makes Facebook so attractive. Mashable recently reviewed five such sites.

    Follow Bob Sullivan on Facebook by clicking here. 

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