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The only exception to this rule is if she specifically asks for your support or help.

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Since we live in a society, the first thought that comes to our mind is how to protect those who are dependent on us.

Life insurance is about providing protection to the dependents.

“In fact, if you give a clear message of waiting, kids are more likely to wait.” Pretending your daughter doesn’t have a natural curiosity and a developing sexual identity doesn’t help anyone.

Sex education basics may be covered in health class, but your teen might not hear — or understand — everything he or she needs to know to make tough choices about sex. Awkward as it may be, sex education is a parent's responsibility.

Begin with honest answers to basic questions about anatomy, eventually graduating to the clear articulation of your values about sex, dating, and relationships.

Before we dated, we talked about what was right and wrong in a relationship, and we decided there would be no sex. However, we talk dirty to each other in text messages (never in person). It's wonderful that you and your boyfriend have had an honest talk about sex and are trying to be serious about your commitment to no sex.

​Our children live in a highly sexualized society where they are exposed to sexual language, images, and behaviors before they are developmentally prepared to handle them.

Kids didn’t “ask” for hormones at age 12, but they are stuck learning how to handle their changing bodies and urges in a society that shows them “yes” but tells them “not now.” The information contained on this Web site should not be used as a substitute for the medical care and advice of your pediatrician.

Haffner, noted sex educator and author of From Diapers to Dating and Beyond the Big Sex Talk.

“There’s 30 years of research out there that says when parents talk about sex, the talks don’t lead to sex,” says Haffner.