Canadventure

Schools, Camps, and Programs for Troubled Teens

Different schools, academies, camps, and programs for troubled teens are available in Canada. Boarding schools also run programs for troubled youth and teens with special needs.

Schools

The Venture Academy offers drug and alcohol treatment and behavioral treatment for teens who face behavioral, adaptation, and emotional challenges. Students benefit from individualized instruction and planning and assessment. Behavioral treatment brings positive results and is designed for students who face school suspension, academic failure, and underachievement. Teachers have experience and specialized training to work with students suffering from opposition defiant disorder, dyslexia, ADHD, learning difficulties, and behavioral problems. Turning Winds is another schools for struggling teens with problems such as defiance, reaction to divorce and other serious events, bipolar disorder, etc. Students with depressive disorder, oppositional defiant disorder, and other mental and behavioral problems are offered a combination of experiential education and life skills development training. This is basically a therapeutic boarding school that offers an academic program as well as counseling and therapeutic treatment. As part of the healing process, girls and boys enjoy a range of recreational and outdoor activities such as camping, fishing, swimming, backpacking, and hiking.

Programs

Different programs in Canada help troubled teens through life skills training, transitional residential living, wilderness counseling, and more. Transitional living programs, for example, focus on career guidance, social skills development, and emotional growth to help teens achieve their full potential. The goal is to offer troubled teens a supportive and safe environment, along with drug and alcohol abuse treatment, education, counseling, and therapeutic intervention. Life skills training is designed for students facing behavioral challenges and health problems such as mental health problems, substance abuse and addiction, etc. Such programs offer guidance and intervention for at-risk boys and girls. There are residential treatment centers that offer treatment for troubled students experiencing mental health problems, sexual promiscuity, academic failure, depression and anxiety, and addiction. They benefit from specialized intensive treatment and therapeutic counseling. Group homes also offer programs for troubled tees as well as life coaching and group and individual therapy. Students in group homes benefit from counseling, real life and recreational activities, training, and wilderness therapy.

Camps for Struggling Teens

Camps are one alternative to therapeutic programs and schools and offer help and guidance to change attitudes and behaviors. This is usually done with the help of positive role models, a safe and nurturing environment, outdoor activities, and education. Camps also offer treatment programs and counseling for teens with oppositional defiant disorder, depression, ADHD, and other mental health problems: www.aboutkidshealth.ca. Some camps focus on theatre and arts, others on recreational activities and adventure, and still others are more traditional (multi-activity). There are also camps with a focus on sports, cooking, animals and zoology, education, music, and others. Multi-activity camps feature activities such as drama, dance, computers, horseback riding, team sports, tennis, and other outdoor and recreational activities and arts. The goal is to offer a mix of recreation and fun and supplementary education. Most camps are coed but the age range varies. Some are overnight while others are day only. Prices vary widely, from under $50 a week to $100 per single session.

 

 

Helping Financially Struggling Families in Canada to Get Back on Their Feet

Financial literacy is of crucial importance nowadays in that consumers are literally flooded with advertisements, offers, and credit opportunities. Illiterate people are at risk of becoming victim of fraud and are often tempted to take multiple loans with unfavorable rates. They often accumulate piles of debt, make late credit card payments, and get into serious financial trouble. Financial literacy helps customers avoid credit and savings problems, build a good credit score and history, and save toward long- and short-term financial goals. Making informed decisions on things like retirement planning, day-to-day finances, budgeting, and credit is essential in consumer-oriented societies.

What It Means

People who are financially literate understand how credit and money work. They have knowledge of basic financial concepts such as risk tolerance, bull and bear markets, net worth, liquidity, and inflation, among others. Other concepts to learn more about include liabilities, cash, assets, credit score, credit report, etc. Basically, financial literacy means good knowledge of personal finance.

Why Is Literacy So Important

Financial literacy can help struggling Canadian families to get rid of debt and get back on their feet: www.creditavenue.ca/getting-a-personal-loan-with-bad-credit-in-canada. They learn how to make responsible decisions, live within their means, and avoid financial pitfalls. Moreover, financially literate people have better self-control and spending habits which help them avoid unnecessary purchases. Buying on impulse often results in unnecessary purchases and piling credit card debt: www.creditavenue.ca/canadas-top-ten-secured-credit-cards. Consumers with good money spending habits know how to identify debt traps such as mortgage refinancing, bounce or overdraft protection, car title loans, and payday loans. Credit card fees that add to the cost of borrowing include balance transfer, cash advance, and over the limit and late payment fees. Other debt traps to watch for include default rate increases and penalty rates for late and missed payments. Money wise people inquire about the fees, penalties, and other costs that go with different credit cards and loans. They also avoid costly and risky loan products such as home equity loans and pawnshop loans.

Financial literacy helps people track expenses and income to plan future spending and avoid debt. People often use spending categories to this end, for example, entertainment, telephone, gas and electricity bills, personal expenses, etc. People who are financially literate know what a good credit score is. They also understand the components their credit score is made of (length of credit history, debt amount, payment history, and so on: www.creditavenue.ca).

Knowledge of saving and investing options also helps make informed financial decisions and achieve medium- and long-term goals. Basically, the concept of saving refers to the amount of disposable income that is not spent on entertainment, food, utilities, and consumption in general. It is either invested in bonds, stocks, or other instruments or accumulated. Financially literate people have good knowledge of investment concepts such as margin account, dividend, capital gain, bid, ask, position, and a lot more. They also know about different financial products and how to build a balanced portfolio. The pool of investment products includes debentures, unlisted shares, pooled retirement funds, mandatory provident funds, and structured investment products. Other investment solutions worth considering include mutual funds, unit trusts, real estate investment trusts, and inverse and leveraged products.

 

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