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Star Excursion Balance Test

The Star Excursion Balance Test, or SEBT, is a clinical assessment used in physical therapy and sports medicine to evaluate an individual’s balance, proprioception, and lower extremity stability. It is often used to assess the risk of lower limb injuries, particularly in athletes.

During the test, an individual stands on one leg and reaches as far as possible in different directions while maintaining their balance. This test measures their ability to control their body’s position and balance, which can be indicative of their overall lower limb function and risk of injury.

References for SEBT:

Using the Star Excursion Balance Test to Assess Dynamic Postural-Control Deficits and Outcomes in Lower Extremity Injury: A Literature and Systematic Review, Phillip A. Gribble, PhD., ATC; Jay Hertel, PhD., ATC., FNATA., FACSM; Phil Plisky, DSc., PT., OCS., ATC, J Athl Train (2012) 47 (3): 339–357.

Budgets

Road map to success

Have you ever tried to go someplace without a road map. It isn’t very easy or smart. A budget is like your road map to financial success. It keeps you on your path to becoming a millionaire. A budget is a financial tool you will use a your whole life.

A budget is basically a snapshot of all the money that comes in (income) and all the money that goes out (expenses).

  1. Create a journal for your budget. It can be anything from an old paper bound spiral to an online budgeting format. It doesn’t matter as long as it is kept separate from other things.
  2. Create a format for your budget. A T-chart is preferable.
  3. Estimate your total income and expenses for the month.
    Income:
    Say you can bring in $100 dollars a month.
    Expenses:
    You want to upgrade your baseball equipment. You spend $30 on a glove, $40 on a bat, and $2 on a ball. You spent $72 on baseball equipment so you save $28 that month.
    Save:
    With the $28 you decide to save it and put it in your savings account.
  4. Now make a page for all the months of the year.

Bank Accounts

Questions to ask about opening an account

Bank accounts can be complicated.

Once you have a chunk of cash, you can go to a bank or credit union and ask a few questions. Some of them include:

  • What interest rates do you offer for savings accounts? (It will be low but that is okay for now.)
  • How much money do I need to have to open a savings account?
  • Are there any fees for withdrawing?
  • Do you offer online banking?
  • Are there maintenance fees?
  • Is there a minimum balance required?

Resources

Good resources for finding banks or credit unions that cater to kids are:

Nerd Wallet: Online review of interest rates and account features.

The Simple Dollar: Tips on different kinds of accounts for kids.

BankRate.com: 5 steps to opening an account for kids.

Million Dollar Mindset

Do you want to be a millionaire?
To increase your chances you can develop a Million Dollar Mindset (MDM for short).

What is an MDM?

An MDM is a type of thinking:

  1. Earn money
  2. Spend less than you earn, and only buy what you need
  3. Save and invest