Family Problem

FAMILY PROBLEM

According to Oxford dictionary the definition of family ‘is a group consisting of one or two parents, their children and close relations'.

What is family problem?

Family problem is something that is to deal with the family member that can affect the harmonise of the family.

Each and every family have family problem even the richest man in this world. It just depends on either it is big or small.

So now there are several factors that cause problem in the family which is:-

• Finance problem

• Communication problem

• Morality in the family

• Parent's care toward the child

Each of these factors will lead to its own problem that will end up many problems to be incurred in the family. This is not something that we can just ignore it or just put it aside but to seriously look about it. This is because what builds a nation is start from a family in the country.

Financial Problem

What is financial problem?

It is defined as a risk factor related to the family's inability to provide sufficient financial resources to meet minimum needs.

How do you notice when your family are having financial problem?

The sign includes:-

? Increased pessimism about the future.

? Fear of increased debt or how you're going to pay off current debt.

? Preoccupation with all things financial (nitpicking family members about incidental costs, desire to discuss finances continually, inability to let go of financial concerns and enjoy other aspects of life, etc).

? More conflict than usual with spouse or children over finances.

? Inability to sleep or restless sleep, waking unrepressed.

? Lack of desire for sex, eating and other things you typically enjoy.

? Lethargy or general apathy.

There are many types of problem will leads to financial problem in a family such as:-

Debt

• Debt is likely the most common financial problem among Americans. This is unlikely to change. It includes credit card debt, college loans and bank loans. Debt depletes savings and therefore forces interest rates upward. Debt is closely connected to overspending and escape from it requires great discipline and budgeting.

Foreclosure

• Foreclosure is a severe and continuing problem in American personal finance. This destroys credit, depresses house prices and eliminates faith in the economy. Further, the loss of a home is without doubt a major psychological blow.

College

• For many, a college education is considered a "ticket" out of poverty and debt. However, it can be a ticket for more debt and stress, especially if one is considering a private college. Repaying college loans can be a major difficulty, and putting money aside for college is yet another major expense.

Medical

• The high costs of medical care and insurance are well known. There seems to be no end in sight to the climbing of these costs and the chunk of the paycheck that goes to pay for insurance. Even worse, a major medical emergency can bankrupt a family and plunge it into debt for a very long time. This seems to be a permanent feature of the American financial landscape.

Transportation

• American energy prices remain high. This adds more expense, especially for those with a long commute. Just as bad are the costs added to public transportation. High fuel costs also add expense to the shipping of goods, leading to an increase of retail merchandise. In many cases, high transportation costs take additional money out of an already strained wallet.

Retirement

• Saving for retirement, given the plethora of other financial problems, often takes a backseat for younger people who consider retirement the "distant future." Putting money away for retirement is just not