Q: Your child may have mastered staying dry during the day, but that does not mean that he or she will be ready to stay dry at night. For most children, it's fine to keep them in diapers (or pull-up style disposable underwear) until they start waking up dry most mornings. Understand that developmentally, each child is different. Some children can stay dry at night during the toddler years; others are still having accidents at age six or beyond. Try not to compare your son or daughter to other children. Once you decide to give up nighttime diapers, you'll want to prepare for the inevitable accidents. Get a waterproof cover to put under the sheets but above the mattress, to protect it from damage. When your child has an accident in the middle of the night, it's helpful to have clean sheets and pajamas nearby. That way, you can simply remove the soiled sheets, wipe the waterproof cover with a cloth, put clean sheets on the bed, and help your child change into fresh sleepwear. As your child gets older, you may want to enlist his or her help in this routine. Most preschoolers can remove soiled sheets, put on clean pajamas, and help you put clean linens on the bed. Accidents will happen and, indeed, they may happen very frequently at first and it's important that you support your child and take them in stride. Tell your child that learning to stay dry at night is a process and that it's okay if it takes some time.
A: Wait until your child is ready. Buy a waterproof mattress cover. Keep spare linens and pajamas close at hand. Maintain a relaxed attitude.

Q: Credit reporting companies offer free or lower cost credit locks, which are not the same as a credit freeze. A credit lock is just a contractual agreement between you and a reporting bureau. While locks and freezes essentially do the same thing, credit freezes are guaranteed by state law, so you'll have absolutely no risk of financial liability. If you freeze your credit and someone opens a new line of credit in your name, you'll be legally protected from any financial liability. A credit lock doesn't offer this same legal protection. Furthermore, a lock contract with the reporting company could include undesirable terms. For example, a credit lock agreement could prohibit you from participating in a class action lawsuit if something goes wrong. Freezes do not involve a contractual agreement, and the reporting bureau would be liable for any losses. Note that credit freezes and locks do not affect your credit score. In order to freeze your credit, you have to contact all 3 nationwide credit reporting companies. Inform the customer service agent that you want a credit freeze. You'll need to provide your name, date of birth, Social Security number, and other personal information. Call Equifax at 1-800-349-9960 or visit https://www.freeze.equifax.com/Freeze/jsp/SFF_PersonalIDInfo.jsp. Call Experian at 18883973742 or visit https://www.experian.com/freeze/center.html. Call TransUnion at 1-888-909-8872 or visit http://www.transunion.com/freeze. Fees depend on your location and are typically between $5 and $10. In some states, credit freezes are free if you're 65 or older. When you're on the phone with the reporting companies, ask each for a mailing address. If you filed online, check their website for the mailing address that processes freeze requests. Include your name, address, date of birth, and the date that you requested the freeze. If you're the victim of identity theft, include a police report with the letter you send to the reporting companies. A written letter will provide proof that you requested a freeze on a certain date. If something goes wrong, such as someone opening a line of credit in your name, it's helpful to have documentation that you exercised due diligence. You'll be able to prove that you shouldn't be liable for fraudulent charges because the reporting bureau failed to execute your freeze request. Each reporting company will send a written confirmation. It will include instructions about lifting the freeze and a PIN you'll need in order to lift it. Store these documents in a secure place, such as a safe. A credit freeze will prevent anyone from running an inquiry into your credit history. While freezes expire after 7 years in some states, they remain in place indefinitely in the vast majority of states. If you apply for a new line of credit, job, or apartment lease, you'll need to lift the freeze so the company can run an inquiry. If you'll frequently be applying for lines of credit, leases, and jobs, you might want to lift your security freezes permanently instead of paying fees to temporarily thaw them every few months. Ask a new creditor, leasing company, or potential employer which reporting company they'll use to check your credit. That way, you can lift the freeze with that company alone instead of having to pay fees to have all 3 lift your freeze. Follow the instructions in the confirmation letters to lift the freeze. You'll call the reporting company or go online, provide your personal information and PIN, and specify the dates you want the freeze thawed.
A: Opt for a freeze instead of a lock. Call each of the credit reporting companies. Pay each reporting company a fee. Send written freeze requests to each reporting agency. Keep your confirmation letters and PINs safe. Lift the freeze if you're applying for new credit, a lease, or a job.

Q: If your boyfriend seems upset, one way to help is by giving him room to talk about what's wrong. Getting things off his chest may help him feel better or come to some sort of solution. You might say, "You seem upset, baby. Want to talk about it?" If he wants to talk, practice active listening skills. Don't interrupt or rush in trying to fix the problem. Just hear him out. his feelings. One of the most valuable things you can offer your boyfriend is the sense that you understand or have sympathy for what's happening in his life. Validation simply means that you let him know that what he's feelings is okay and understandable. First, let his words clue you in on how he's feeling. Listen for feeling statements, such as "I don't know what to do" or "I'm devastated." Then, validate his feelings by saying things like, "Aw, I'm so sorry that happened. It makes sense that you're so confused" or "I completely understand why you feel so crushed." Even if your boyfriend is typically the outspoken type, he may not immediately want to discuss the situation or his feeling about it. Encourage your boyfriend to talk. However, if he's not ready, don't press the issue. For example, if you ask "Do you want to talk?" and he responds with "no," you might say, "Okay, that's fine. I'm here if you ever want to." Don't constantly beg him to tell you what's wrong if he doesn't feel like talking. Give it some time. More than likely, he will open up. Don't be surprised if your boyfriend asks for some space to deal with what's going on. Some people prefer to be alone when they're upset. Try not to take it personallyjust give him a little time to himself. Let's say your boyfriend had a fight with his dad. If he needs space to think it over, you might say, "I'll give you some time alone, but I'll drop by and check on you later, okay?" If your boyfriend doesn't expressly ask for time alone, then he's probably happy that you're there. If your boyfriend remains upset for a long period of time, withdraws from his family and friends, or begins to engage in risky behaviors, he may need counseling from a mental health professional. Suggest to him that he attend a therapy session. For example, you might say, "I've noticed you've seemed really down lately. Have you considered talking to a therapist about this?" Tell your boyfriend that you'll help him find a therapist or even take him to the appointment if he needs support.
A:
Listen if he wants to talk. Validate Be okay with his silence. Give him space. Encourage him to get professional help if it doesn't pass.