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Communicating with Teens about STDs

My various jobs call for me to read on a regular basis. However, there is only one book I’ve read that felt so important to my parenting mission that I interrupted my own reading of it and asked for my two teenagers to read the first chapter. That book is Seductive Delusions: How Everyday People Catch STDs by family practitioner Jill Grimes, M.D.

The national survey data on youth sexual behaviors indicate that teens frequently have sex, and in ways that put themselves and their partners at risk. For instance, the CDC’s most recent edition of the Youth Risk Behavior Survey, indicates that 46% of high school students have had sexual intercourse (African-American youths reported the highest rates at 65%), with 34% reporting that they are sexually active and 14% indicating that they have had sexual intercourse with four or more different partners. Moreover, 39% of teens reported that they did not use a condom the last time they had intercourse, though 22% did use drugs or alcohol.

The results of these behaviors can range from unwanted pregnancies (e.g., according to the CDC there were 409,840 infants born to girls ages 14-19 in 2009) to the contraction of a (sometimes life-long) sexually transmitted disease (e.g., quoting from Dr. Grimes’ book: “Estimates vary, but between 50 and 90% of adults have oral herpes by age 50…25% of adults have genital herpes, but up to 90% of them are unaware of it.”) I do my teen no favor if I think that she or he could never be one of these statistics.

Giving teens real life stories of peers and young adults suffering from STDs can be one effective way of reaching them about these matters, especially when those stories poignantly review the long term, embarrassing and inconvenient realities that can follow from even a brief lapse. That is what makes this book so important. The stories are effectively organized by type of STD and include facts about each disease at the end of each chapter; the reviews of the book have also been stellar (e.g., see amazon.com). I encourage you to review it yourself and see whether you might want to recommend it for your teen (or older) child. (Please also stay tuned to this blog as Dr. Grimes will be doing a guest entry for us sometime later this month or early next month.)

Recent Research: Teens Need Parents to Monitor Them

The purpose of this blog entry is to highlight recent research that demonstrates the importance of parental monitoring.

Teenagers not only have brains that are not fully developed in their capacity to control impulses, but they also often have a sense of invulnerability. This is why survey results of risky behaviors that teens engage are often alarming. An example of this is the Center for Disease Control’s just published 2009 survey of 16,410 high school students in the U.S. These are some highlights quoted directly from the summary document:

• Among the 69.5% of students who had ridden a bicycle during the 12 months before the survey, 84.7% had rarely or never worn a bicycle helmet.

• 28.3% of students rode in a car or other vehicle driven by someone who had been drinking alcohol one or more times during the 30 days before the survey.

• 31.5% of students had been in a physical fight one or more times during the 12 months before the survey.

• 19.9% of students had been bullied on school property during the 12 months before the survey.

• 13.8% of students had seriously considered attempting suicide and 6.3% of students had attempted suicide one or more times during the 12 months before the survey.

• 19.5% of students smoked cigarettes on at least 1 day during the 30 days before the survey.

• 41.8% of students had had at least one drink of alcohol on at least 1 day during the 30 days before the survey.  24.2% of students had had five or more drinks of alcohol in a row (i.e., within a couple of hours) on at least 1 day during the 30 days before the survey.

• 36.8% of students had used marijuana one or more times during their life. 20.8% of students had used marijuana one or more times during the 30 days before the survey.

• 46.0% of students had ever had sexual intercourse. 34.2% of students had had sexual intercourse with at least one person during the 3 months before the survey. Among the …sexually active students, 61.1% reported that either they or their partner had used a condom during last sexual intercourse.

In a subsequent blog entry I will summarize the results regarding the poor health habits that teens often engage in. For now, we all do well to institute a monitoring protocol that includes knowing, and approving of, the answers to three questions whenever our teen is outside of our eye line:

1.     Who are you with?

2.     What are you doing?

3.     What adult or adults are responsible for monitoring? (Keep in mind that effective adult monitoring might occur from another room in the same house, in the parking lot of an event, or in a restaurant next door. Of course, it’s also important to confirm that the monitoring adult is responsible and shares your values and attitudes about acceptable activities and behavior.)

Sometimes this can be complicated business. For a more thorough discussion please see Chapter Three of my book, Working Parents, Thriving Families.

A Chronic Health Problem in Teens: a Lack of Sleep

The National Sleep Foundation does an annual Sleep in America Poll. Their 2011 edition, which has the theme of “Communication Technology in the Bedroom” was just published. In this blog I’m going to summarize the findings as they regard teenagers, which the poll refers to as Generation Z’ers.

Almost three out of four teens report bringing their cell phones into their bedrooms at night, with 56% texting every night/almost every night in the hour before bedtime. This is concerning as those who text in this hour are less likely to say they got a good night’s sleep, less likely to wake up feeling rested, more likely to be characterized as sleepy the next day and more likely to drive drowsy.  Moreover, 28% percent of teens leave their cell phone ringers on at night and 18 percent report being awakened by incoming transmissions. Finally, when they wake up at night 35% of teens report that they will text.

The poll also found, as has been the case with previous editions of this survey, that our teens are not getting enough sleep.  This year 4 out of 10 teens reported getting less than the minimal recommended dose of sleep each night with 60% stating that they wake up feeling like they had not gotten enough sleep (46% indicated that they rarely/never get a good night’s sleep on weekdays and only 6% endorsed getting a good night’s sleep every school night).  Moreover, among those that drive, 40% indicated that they have driven drowsy.  In total 77% of teenagers reported having sleep problems at least a few nights/days a week (e.g., 34% of teens report taking more than 30 minutes to fall asleep at night).  Despite these problems teens seem to be aware of how many hours a night they need to be rested (i.e., 61% indicated that they need 8-9 hours, or more, to be rested).

The poll also asked the teens what areas are negatively affected the next day when they are tired. These are the areas they indicated become problematic (the percentage endorsing the problem is in parentheses): mood (87%), schoolwork (84%), family life or home responsibilities (73%), and social life or leisure activities (68%). (Please see my previous blog entry that reviews both the negative next-day consequences, for youth, of being deprived of just one hour of sleep as well as the National Sleep Foundation’s recommendations for how much sleep kids should get each night.)

Other findings:

√ More than three out of four teens use their laptops in their bedrooms in the hour before going to sleep. Most of the poor sleep outcomes that are associated with texting in this hour are also associated with this kind of activity.

√ Sixty percent of teens drink caffeinated beverages each day, with one out of four drinking four or more.

√One percent of teens report using an e-book reader in the hour before bedtime.

To review strategies for promoting a good night’s sleep in your child click here. For now the obvious thing to say is that we parents do well to be mindful of how much sleep our teens need as well as what the likely consequences will be if they are deprived of such.

Is your kid getting enough sleep?

For many of us, a typical school night resembles a circus with the clowns’ hair on fire. There is way too much to do and not enough time to do it all. Because of this it may be tempting to try to make more time by pushing our kids’ bedtime back. After all, there has to be give somewhere and, while we might not like seeing our kid tired the next day, we know he or she can always catch up later.  Right?

Well, unfortunately, research suggests that even one hour of lost sleep can have a dramatic and negative impact on a child’s or a teen’s functioning the very next day. Before summarizing some of this research, let me share the nightly doses of sleep recommended by the National Sleep Foundation:

1-3 years old:            12-14 hours

3-5 years old:            11-13 hours

5-12 years old:          10-11 hours

Teens:                       8.5-9.25 hours

One of the best parenting books I’ve ever read is Nurture Shock (read my blog entry on my top three favorite books for parents by clicking here). According to the authors, the following number among the consequences when our children do not get enough sleep:

• For every hour of lost sleep, a child loses seven IQ points the next day.

• When kids get less sleep, their bodies respond in a manner that maximizes the production of fat and minimizes its breakdown.

• Sleepy kids are more lethargic and less active the next day.

• A complete night’s sleep is needed in order to properly remember newly learned academic material.

• Children with deprived sleep are more likely to remember negative rather than positive events.

• Children who are tired have a more difficult time thinking flexibly the next day.

To review related findings from the National Sleep Foundation click here.

I realize that messages like this are difficult to hear as it is so challenging to fit it all in. Moreover, our children often resist our efforts to get them to bed on time, adult leaders of extracurricular activities often seem unaware of these issues when they schedule late night events and kids sometimes find it difficult to fall and stay asleep. (To review strategies for promoting a good night’s sleep in your child click here.) But, for now, I believe we all do well to realize the importance of our kids getting a good night’s sleep.

Signs that a Kid Needs Mental Health Services.

About 14-22% of children in the United States suffer from a diagnosable psychological disorder. Add 20% to that number if you include youth who suffer at sub clinical levels. However, only about 20% of these children get effective care. And, even when they get it they’ve often had to suffer for years first. This occurs even though the research on the effectiveness of child psychotherapies is very positive. What would we conclude about our culture if this were true of our childrens’ dental health instead of their mental health?

I’m writing this blog entry to try to review key indicators of when a child might benefit from mental health services. There are four primary areas of functioning that one can consider: relationships with adults, relationships with peers, academics and mood.

Relationships with adults: The key issue is whether the youth gets along reasonably well with adults. Of course this includes parents/parent-figures and teachers. But it also includes coaches, extended family, bosses, etc. If the youth is frequently in conflict or frequently avoidant or detached from any significant type of relationship with adults, an evaluation may be warranted.

Relationships with peers: Kids need to be able to form friendships, and get along effectively, with other kids who are doing well. For example, if a teen’s close friendships are primarily with those who often get into trouble, abuse substances, or are significantly symptomatic, a significant problem may be present. Likewise, if a child or teen is avoidant, aggressive, controlling or otherwise routinely rejected or ignored by most other youth, this is of concern.

Academics: This is one of the trickier areas to describe tightly. The central issue here is not grades, though grades consistently falling in the C and lower range would generally indicate that a problem exists (assuming that the teaching and curriculum are appropriate). The central issue here is the youth applying herself or himself when she or he does not feel like it.  Developing this psychological muscle (i.e., task persistence when internal motivation is required) is one of the most important developmental tasks of childhood. So if a child is not applying herself or himself, or experiencing significant turmoil or failure in academic pursuits, an evaluation is likely warranted.

Mood: The key issue is whether or not the youth is content. Happiness is great. Contentment is the bar however. If the child is consistently sad, angry or anxious for a significant portion of his or her waking day, this is signaling a need for professional attention. It is often the case that a parent may be confused regarding what a child or teen is thinking or feeling. Thus, problems with sleep, appetite, concentration, connectedness with the world or physical activity can be signs of a problem. (There may also be absences of experiences of joy, but more for kids with depressive disorders than anxiety disorders. )

As I write this blog, there are 42 ways that youth can be diagnosed with a mental health disorder. So, this is hardly a comprehensive post. However, if a child is getting along well with others, is doing well in school and seems content, that child may be fine. The only significant area I’ve left out is experiencing success in one or more extracurricular pursuits. While a lack of positive experiences in the latter area is not, by itself, necessarily indicative of a problem, a child who lacks for such experiences may be more vulnerable to attacks on self-esteem.

I hope you will share this blog post with those who could use it. If you would like to read about common myths about mental health services, click here. For ideas on how to afford care click here. And, finally, to find a lean-mean-healing machine in your neck of the woods, click here.

Affording Mental Health Care

This entry reviews the cost issues affiliated with mental health care.  While paying a provider for counseling can be expensive, it need not be. Some thoughts to help:

• Many health insurance policies cover some portion of the cost. Often a client is left with only a small copay. Moreover, with the signing into law of the Mental Health Parity and Addiction Equity Act, many policies have expanded their coverage of mental health services.

• Monies spent on counseling are usually considered a medical expense and so may be deductible from your taxes..

• If you have a university in your region with a graduate program in the mental health professions (e.g., clinical psychology, psychiatry, etc.), they may have an outpatient training clinic that offers services at a very low cost. In these clinics those working towards advanced degrees often provide the care under the supervision of experienced faculty. For instance, I direct such a clinic and our most common fee is $10/visit.

• Most people do not live far from a community mental health center. These centers receive public funding to support their charter. Therefore, many of them will offer services on a sliding scale or otherwise arrange for flexible payment plans. If you’re unsure where the one by you is, call up any psychologist in the yellow pages and ask.

• There are a number of charitable organizations that sponsor mental health services on a sliding or a reduced fee scale (e.g., Catholic Charities, Jewish Social Services, etc.). In all of the instances that I know of, one need not belong to the sponsoring religious group in order to get care.

• If you or a loved one suffer from a chronic medical or psychiatric problem you may qualify for support from social security. To find out more be in touch with an attorney that specializes in disability applications, your local community mental health center or your state’s mental health or disability offices.  Other programs may also be available if you cannot afford health insurance.

• Many providers may be willing to reduce their fee if you can show cause. I would not ask for this up front. But, after the evaluation is concluded, and the provider has come to know you and your circumstances, it never hurts to ask. The large majority of the thousands of mental health professionals I’ve met over the years are a mission-driven lot who care deeply about what they do. To find such a person near you, click here.

In factoring cost issues please also consider what it would be worth to be free of the problems that are having you consider getting care. What would it be worth to be free of depression, to have your child stop acting defiantly or be free of anxiety, to have your marriage healed, etc.? Imagine life with troubling mental health burdens either eliminated or controlled; then ask yourself what that would be worth?

For my post about common myths about counseling click here.

Resources for Suicide Prevention

As this month is suicide prevention month, I am guest blogging at the American Psychological Association’s Blog http://www.yourmindyourbody.com. My post regards suicide prevention in youth. Click here to read it.

I also did a live radio interview, on the same topic, for the Harrisburg, PA PBS radio station. To listen to it, click here.

Three Key Ways Teachers Can Promote Resilience

As our nation begins transitioning back to school, and because teachers are one of our most important collaborators in raising our children, I thought I’d devote this entry to teachers.

In my years of working collaboratively with teachers I have become a big fan of the profession. Just as I find most parents love their kids more than their own lives, I find that most teachers are in the game because they wish to make an important difference in the lives of kids. Their primary motivation is not money–if so a teacher has had bad career counseling–it is mission. For this reason, I would like to offer the top three things I wish teachers would remember, or realize, when trying to teach our kids.

You have the power to make significant and life-long contributions to your students.

In case studies of children who have faced adversity, but who came out on the other side of it well adjusted, a teacher is often sited as having made a critically important contribution. Those benefited by the teachers’ gifts don’t necessarily recall the academic content that was covered, but they recall the human investment. “Mr. Roberts was the first one who ever believed in me.” “Mrs. Johnson reached out to me when I was at my lowest.” “Ms. Jackson never gave up on me even though I was a real pain.” As someone who both named his only son after a teacher, and who also teaches, I can tell you that it need not take much time and energy to have a tremendous impact. Sharing a lunch, writing a note, arranging for a little tutoring, etc. can make a mighty difference, though it may not be obvious. For instance, I once discovered that I student of mine had laminated a complimentary sticky note I attached to a report she wrote; I learned about this months later when she told me that she read it whenever she needed a boost.

You can serve a pivotal role in helping students to identify their strengths.

Their are at least two reasons why knowing one’s strengths is important: such is pivotal to the formation of a positive self-esteem and knowing one’s strengths aides in effective educational and vocational planning. That said, many kids (and adults) do not know their top strengths and may even find the concept foreign. Teachers have many opportunities to either mirror kids strengths back to them or to assist kids in identifying their top strengths. The former can happen simply by expressing thoughts you have about any special abilities a student is showing. It can also happen by putting a kid on display for a positive contribution. The teacher I mentioned I named my son after, upon having seen me perform in a school play, wrote my name on the board the next Monday morning; he noted it was there in order to recognize an outstanding performance. Though I probably sat their without much of an expression on my face, that simple gesture made my month.

Teachers can help identify top strengths by encouraging exploration of uncharted interests in a student’s life. Unimpeded, and assuming basic conditions for growth are in place, trees grow their branches around obstacles towards the light. Unimpeded, and assuming basic conditions for growth are in place, children grow their interests and behaviors towards their competencies. Teachers might also encourage students to fill out instruments which can aide in developing theories about their top strengths (e.g., the VIA Signature Strengths Survey for Children, StrengthsExplorer, etc.).

You can teach students that how we think has a much greater influence over how we feel than what actually happens.

As any case study of a famous, popular and wealthy person who committed suicide can illustrate, more determinative of mood is what we make of what happens in our lives, not what actually happens. As just one example, consider the script: crisis = pain + opportunity. A crisis is like a siamese twin. Resilient minds are not in denial about the pain that is attached to unfortunate twists of fate. However, they then go on to look for the opportunity that is always attached. Teachers can encourage their students to learn this truth by providing examples. This agenda could be incorporated into many lesson plans (e.g., in English students could read stories with this lesson; in history students could hear examples of this formula; in many academic classes satisfaction and new skill sets are borne out of the pain involved in certain mental pursuits, etc.). And, when bad things happen in students’ lives advisers can encourage, after the pain has been given its due, the search for the opportunity imbued within, perhaps while also providing personal illustrations.

In closing I salute you for your mission, especially when you execute it well on those days when no adults are watching and dialing it in would be all so easy to do. And, remember, if you have children who are not responding to your efforts, an army of qualified mental health professionals is dispersed across our country. To find such a person in your vicinity, click here.

Communicating with Kids About Financial Stress

In today’s economy families commonly need to cut back or make significant changes in how they live. Many parents find themselves wondering how to discuss these changes with their children. Experienced child psychologists know that once you’ve seen one family you’ve seen one family. For this reason, there is no counsel or set of  procedures that can be universally applied. However, it is possible to provide some general guidelines to address common questions.

Is it possible to hide our financial stress from our kids?

Probably not. Most of us tend to show our vulnerabilities more when we’re stressed; smokers tend to smoke more; people in troubled marriages argue more; people inclined towards impatience yell more, etc. A young child, sensing these changes, can become fairly upset and believe that he is at fault unless a parent provides some degree of clarity.

Should I lie to my child about what is going on in order to protect her?

We parents love our kids so much that it can make us crazy (i.e., we’re parent-lunatics—my post on this topic can be found here). So, the motivation to give false assurances is certainly understandable. However, it would generally be a mistake to assert something we do not believe. While doing this in the short run can seem humane, it can damage our credibility in the long run. And, as is the case in adult relationships, credibility can be a difficult thing to recapture. Moreover, kids can usually tell when something is wrong.

What should I tell my child about what is going on?

The younger or the more psychologically vulnerable the child, the more selective I might be in what I share. The older the child, and the more that he is thriving, the more open I might be. A central parental goal is to help my child to learn how to cope well with stress. It’s useful for kids, through the course of development, and in doses that they can handle, to be exposed to a wide variety of stresses so that they can learn how to cope effectively. Yet we parent-lunatics, because we can’t bear to see our kids hurting, sometimes deprive them of such valuable learning opportunities. Then, when they’re on their own, they may experience a diminished ability to respond to multiple kinds of stress and challenges (e.g., many freshmen arrive on college campuses with a compromised capacity to make effective decisions when stressed).

Can you give me an example of what I might say to a younger or a more vulnerable child regarding the significant financial pressures we’re facing?

Let’s say that you’ve been downsized and you’re going to have to move out of your house if you can’t land a new job in three months. I probably would not tell an eight year old that the mortgage is in danger. I would, however, tell that child about the job change, because Dad is going to be home more, or someone else might let it slip. It’s like sex education: you want as much information coming from you as possible. However, a child is like a bridge that’s still being built. How much weight he can handle changes over time (i.e., we don’t want to take a caravan of heavy trucks across a bridge that’s not completed if we can avoid it). If there are serious issues that would significantly stress or frighten a young child, I’m probably would not share that information until I have to.

What would you say to a healthy, older teenager about that same situation?

I might say to the teen, “I need to tell you something troubling. I got laid off. I’m not quite sure what’s going to happen and what kinds of changes we might have to go through together. I’m somewhat worried and sad about all of this, but I’m also confident in my abilities and our abilities as a family. I just thought that you’re old enough to hear about this straight up.” Such disclosures can promote closeness with a teen and affirm that you recognize her growing maturity. Then, there is the follow up opportunity to model how to cope well with stress. I can’t tell you the number of times, in my practice, that a teen has expressed surprise to learn that her parent was previously dumped by a significant other (this happens in the context of the teen being devastated by such a loss in his or her own life). We’re often not used to telling our kids about our vulnerabilities and failings, even though doing so can help them in many ways (for my humorous blog entry on this topic click here).

What do I do about the shame and guilt that I feel that I’m not able to give my kids as many things, and as many experiences, as I could in the past?

I’d suggest trying to redirect the mental energy you are putting into guilt and shame into thinking through the following formula: crisis = pain + opportunity; a related corollary is that as the pain rises so too usually does the opportunity. Maybe we can’t go to the shore this year. But, maybe we can spend more time hanging out at a neighborhood pool together. Maybe I can’t buy the top-of-the-line sneakers, but I can start to collaboratively consider whether chasing expensive corporate branding is good for us.

In closing I can share that our research makes it clear that one of the most important things our kids need from us is undivided and positive attention. The things we purchase sometimes own us more than we own them, so reduced questing for material possessions may actually  be offering us the opportunity to create deeper and better bonds with our kids. Required is love, creativity, flexibility, presence and persistence. Not required is money and Ralph Lauren (well, except in his family).

Seven Common Myths About Counseling

The large majority of adults and kids who might benefit from psychotherapy do not receive it. For example 14-22% of U.S. children meet criteria for a diagnosable psychological disorder, but only about 20% of these kids get effective care. And, even when kids get effective care they usually suffer for years before getting it. Similar statistics are available for adults. This is beneath us as a culture and often yields dramatically painful and unnecessary outcomes (e.g., suicide is the third leading cause of death among people aged 15-24, depression has a higher mortality rate than cardiac disease, etc.).  This post reviews some of the common myths I’ve found that serve as barriers to understanding and healing.

If I enter therapy I might become too dependent on the therapist. Therapy will never end.

The goal of psychotherapy is to foster healthy independence, not unhealthy dependence. So, the aim of evidence-based psychotherapy is to reach measurable treatment goals as fast as possible. Indeed, the chief job of the competent therapist is to make her services obsolete.  While some problems require longer treatment, many do not.

Counseling costs too much money.

Most health insurance polices cover the lion’s portion of psychotherapy. Clients end up being out of pocket only for the part not covered by the insurance company. In addition, the costs are considered a medical expense and may be deductible from taxes. Studies also suggest that trips to a counselor can dramatically reduce trips to the medical doctor, sick days and an assortment of other expensive problems (e.g., divorce, addiction, etc.). Plus, think what it would be like to be rid of any significant psychological pains that inflict you or a loved one. What would that be worth? Finally, there are options for low fee services all across the country; for example, if your local university has a graduate program in the mental health professions they may have a low fee training clinic (the average fee in the clinic I direct is $10/visit), community mental health centers exist across the country, etc.

Only crazy people are in therapy.

This is really a bunch of nonsense. Putting aside the meaning of the word “crazy” for a moment, choosing to be in therapy is often a very rational act. It seems much more irrational to avoid therapy, because of silly myths, when therapy might be helpful in important ways. Effective therapy helps people to identify new methods for overcoming emotional pain and solving life’s problems. What is crazy about the pursuit of such learning?

People who spend significant time and resources on therapy are being self indulgent and selfish.

If effective therapy does anything, it increases a person’s freedom to love. Did you ever try to give to others when you have a sharp toothache? The same thing applies with psychological pain. Those who have been healed in counseling are in a position to be able to love others more and better. How can this be considered selfish?

I’ll get better eventually anyway.

According to studies on counseling, effective psychotherapy promotes healing and recovery. It may not be helpful to wait years for change. Even if change does come, the same problem may resurface later if the central issues have not been sufficiently resolved. Psychotherapy provides a way to confront and resolve problems at their source. It also provides tools for dealing with future problems. Moreover, a competent therapist can direct you to the evidence that supports the methods that he or she is prescribing.

Being in therapy is a sign of weakness. Strong, effective people don’t need help solving their problems.

Maybe in a Rambo movie. In the real world more vulnerability is often found in the person who fears acknowledging human limitations and faults and is unwilling to take the steps necessary to overcome them. Counseling is no panacea and not everybody is a candidate for counseling. However, those who can acknowledge the possible need for counseling may be stronger, and more secure in themselves, than those who cannot.

If I take my kid in for an evaluation, he’ll get the idea that there is something seriously wrong with him.

Experienced child therapists both know that parents are concerned about this and have developed procedures that minimize this risk (e.g., making sure to assess for your child’s and family’s strengths). Besides, a child or teen with a legitimate behavioral or emotional problem is much more likely to think that there is something wrong with him/her, and to have that reflected in others’ eyes, if she/he does not get help. Also keep in mind, as is the case in medicine, that behavioral and emotional problems are much more easily understood and resolved sooner rather than later.

If you are wondering if counseling might be of benefit to you or a loved one, why not look into it? A competent therapist will be able to evaluate whether or not counseling is advisable and, if advisable, what it might be able to accomplish and how long it might take to complete. What do you have to loose, really? (If you’d like a referral in your community, click here.)