Hello All,

My good friend, Jimmy O’Malley sent this to me recently. I found it to be very informative. With Jim’s permission, I wanted to share this with you.

By the way, you can always give Jimmy a call if you are looking for a mortgage or wish to refinance. I have been working with Jim for over 20 years. He is fantastic.

Enjoy this useful information.

Sincerely,

Jim

8 tactics for safeguarding your kids in the digital age.

Psychologists suggest:
Keep the dialogue open. Ask kids at dinner what websites and social media they visit, what apps are hot, what their friends like on YouTube.
Keep repeating: “Nothing you post is really private.” Tell kids to never post pictures or comments they wouldn’t show you.
Establish some safety rules:

* Never send personal info or photos to strangers, or arrange a face-to-face meeting
* Immediately leave a site with disturbing images or hateful material
* Beware of contests, free giveaways, people who try to turn you against friends or family
* Never click on a link in an email unless you’re expecting it.

Watch for social bullying. Ask kids if anyone’s harassing them online. Look for changes in disposition. Bullying is as bad online as in person. Follow up with the perpetrator’s parents and school.
Be a role model. Don’t want kids checking phones at the dinner table? Don’t do it yourself.
Set up “screen-free times.” Schedule blocks of time away from electric devices.
At night, put all electronics in a designated place, not bedrooms. Screen time delays bed times.
Nothing beats parental supervision. Let kids know you’re checking their texts, social media, gaming, websites, streaming, everything. Then do it. It’s OK-you’re the parent.

A reminder: if you need to finance a home purchase or improvement, or refinance at lower rates, please text, email or call us any time… Have a great day!

P.S.: Mortgage rates remain attractive, but it’s smart to start the process early. Please call or email us to explore the excellent options available.

James O’Malley
Loan Officer
NMLS# 613459
160 Gould Street Suite 205
Needham, MA 02494
Office: 781-474-5111
Mobile: 781-910-6467
Fax: 781-465-7939
jomalley@leaderbank.com