Social Service Hotlines report a major surge in phone calls from emotionally distraught homeowners. The prevalent issue appears to stem from the housing crisis.

Psychologists state that the real estate meltdown is creating a wide range of emotional behavior.

Mental Health Groups, such as the American Psychological Association, say that problems such as domestic violence, marital disharmony, depression, alcoholism, gambling, and even suicide, are increasing as the pace of foreclosures escalates.

One in seven homeowners are not confident that they will be able to keep up with paying their mortgages over the next six months.

According to an Associated Press – AOL Money and Finance Poll, more than a quarter of homeowners in the United States fear the loss of value in their homes over the next couple of years. 

Up until the housing crisis, the increased value of real estate had homeowners  re-financing left, right and center; homeowners felt secure and cashed-up.

Unfortunately, April’s foreclosure filings show a more dismal reality since the housing boom; one in every five hundred and nineteen households received a foreclosure filing this year. A surge of 65% since last year.

Leading analysts warn that the crisis seems to be accelerating; sinking home values, rising foreclosures, an excess of homes for sale, and tighter lending rules, which disadvantage those trying to re-finance, and shut-out those trying to purchase. 

A survey by the American Psychologists’ Association sites that half of the Americans they interviewed identified rent and mortgage costs as significantly high sources of stress.

Historical research shows that during economic turmoil, the rates of suicide and depression rise.

Financial stress can often be the last straw, triggering pre-existing mental health conditions to surface.

Suicide can seem like the only option available when it feels as if there is no future in sight.

Imagine how helpless you’d feel if the home that you had been working so hard for over the many, long years was all of a sudden taken from you. You’d feel anger, resentment, frustration, embarrassment, and overwhelmingly without hope.

In many households, the threat of the financial consequences associated with the housing slump has a huge bearing on one’s emotional state.

Studies show a strong connection between emotional stress and financial distress. It is not uncommon to suffer from insomnia, migraines, nausea, depression and anxiety during these troubling times.

Unfortunately, due to excessively high medical costs, the dilemmas of not having access to private mental-health treatment in the midst of a financial crisis is also problematic.

As adults we tend to neglect the opinions and feelings of our children. Don’t forget that our children are also feeling extreme anxiety and helplessness in our stressful financial situation. 

Remember that children will sometimes blame themselves for the situations that we, as adults/parents, find ourselves in. Just as we need coping mechanisms in order to push through hard times, so do our children.

Be patient and kind with each other; these are trying times!

Faith Is Courage; It Is Creative While Despair Is Always Destructive  (David S. Muzzey)

Man is a very  ambitious being, and this attitude is a necessary part of his life and survival on this earth. But due to the distorting presence of sin nature in us, every feeling is distorted, and his ambition is no exception to this. A desire for obtaining the right things for the right motive is to be encouraged, but when it takes the form of craving for each and every thing without any control, it  becomes a sinful attitude. This is to be discouraged at all cost.

We see this principle very pictorially in Psalm 131 where David  expresses the correct type of attitude. He says that he is not trying to reach things which are great and wonderful in human sight. In fact anything can become great and wonderful to a person who does not have sufficient spiritual discernment and wisdom. It might be a  degree, a job, a  coveted position, a particular marriage partner. In fact a person with the wrong kind of ambition can covet for anything (from insignificant to fantastic) that is beyond his reach. At the same time he will overlook things which God has kept within his reach for his constant use !!

It is necessary for us to examine these things because a wrong type of ambition betrays two things : an attitude of pride, and an attitude of not depending upon the Lord for receiving the things that we really need. In the last part of this psalm we note that a person with the right kind of attitude and trust in the Lord can be compared with an infant in the lap of its mother. Just as this child is calm and quite, without trying to reach anything that is beyond its need and reach, so a   discerning  believer should be.

Our life on this earth is not an easy one. There are numerous things around us which constantly call our attraction; we are told that we are somehow weak, inferior, and incomplete without those things. It is quite frequent for a Christian counselor to see men and women who are at the point of mental breakdown just because they are not able to control their cravings. But their ambition to get the fantastic and unreachable things of this world is destroying their mental balance. Only a fully trusting attitude can restore what they have lost.

Sometime ago I met a young man who was worried to death about his future. He was doing his master’s degree at that time, but all the time he was occupied with thoughts about his future. Many of his friends were able to get good jobs by paying a bribe, and they were already owners of many of the status symbols of the society, all because of one reason : they all belonged to rich families. This young man was from a poorer family. However, in all this he had forgotten one most important principle: it is not our money which ultimately decides our destiny.

Many persons might have made their destiny with the help of money, but a Christian should realize that money or no money, his destiny is in the hands of the Lord ! He will provide all what is really needed at the right time. Since this boy had not understood this truth, he was destroying his mental health, and at the same time he was overlooking his most important present duty : studying faithfully !! This way his own false ambition was destroying his own future and mental health. May the Lord help each one us to keep our ambitions in proper balance.

Young people have mental, emotional, and behavioral problems that are real, painful, and costly. They are sources of stress for children and their families, schools and communities.

The number of young people and their families who are affected by mental, emotional and behavioral disorders is significant. As many as one in five children and adolescents may have a mental health disorder that requires treatment.

Mental health disorders in children and adolescents are caused by biology, environment or a combination. Examples of biological factors are genetics, chemical imbalances and damage to the central nervous system, such as a head injury.

Environmental factors also can affect a childs mental health, including exposure to violence, extreme stress and the loss of an important person. A broad range of services is often necessary to meet the needs of these young people.

The Problems

Below are descriptions of particular mental, emotional, and behavioral disorders that sometimes occur during childhood and adolescence. All can have a serious impact on your childs overall health.

Some are more common than others and seriousness can range from mild to severe. Sometimes, a child may have more than one disorder simultaneously.

Anxiety Disorders

Young people who experience excessive fear, worry or uneasiness may have an anxiety disorder. These disorders are among the most common emotional problems occurring during childhood.

According to one study, as many as 13 of every 100 young people from 9 to 17 years of age have an anxiety disorder. They include:

1. Phobias, which are unrealistic and overwhelming fears of objects or situations.

2. Generalized anxiety disorder, which causes children to demonstrate a pattern of excessive, unrealistic worry that cannot be attributed to any recent experience.

3. Panic disorder, which causes terrifying panic attacks that include symptoms, such as a rapid heartbeat and dizziness.

4. Obsessive-compulsive disorder, which causes children to become trapped in a pattern of repeated thoughts and behaviors, such as counting or hand washing.

5. Post-traumatic stress disorder, which causes a pattern of flashbacks and other symptoms. This occurs in children who have experienced a psychologically distressing event, such as abuse, being a victim or witness of violence or exposure to other types of trauma, such as wars or natural disasters.

Severe Depression

Experts agree that severe depression can occur at any age. Two of every 100 children may have major depression and as many as eight of every 100 teens may be affected, as well. This disorder is marked by changes in:

1. Emotions: Children often feel sad, cry, or feel worthless.

2. Motivation: Children lose interest in play activities or schoolwork quality declines.

3. Physical well-being: Children may experience changes in appetite or sleeping patterns and/or may have vague physical complaints.

4. Thoughts: Children believe they are ugly, unable to do anything right or that the world or life is hopeless.

It also is important to be aware that some children and adolescents with depression may not value their lives, which can put them at risk for suicide.

Bipolar Disorder

Children and adolescents who demonstrate exaggerated mood swings that range from extreme highs (hyperactivity or mania) to extreme lows (depression) may have bipolar disorder (sometimes called manic depression). Periods of moderate mood often occur in between the extreme highs and lows.

During manic phases, children or teens may talk nonstop, need very little sleep and show unusually poor judgment. At the low end of the mood swing, they experience severe depression.

Bipolar mood swings can recur throughout life. Adults with bipolar disorder (about one in 100) often experienced their first symptoms during their teenage years.

Attention-deficit/Hyperactivity Disorder

Young people with attention-deficit/hyperactivity disorder are unable to focus their attention and are often impulsive and easily distracted. Attention-deficit/hyperactivity disorder occurs in up to five of every 100 children.

Most kids with this disorder have great difficulty remaining still, taking turns and keeping quiet. Symptoms must be evident in at least two settings, such as home and school, in order for it to be diagnosed.

Learning Disorders

Difficulties that make it harder for kids to receive or express information could be a sign of a learning disorder. Learning disorders can show up as problems with spoken and written language, coordination, attention or self-control.

Conduct Disorder

Young people with conduct disorder usually have little concern for others and repeatedly violate their basic rights and the rules of society. It causes children and adolescents to act out their feelings or impulses in destructive ways.

The offenses these children and adolescents commit often grow more serious over time. Such offenses may include lying, stealing, aggressiveness, truancy, the setting of fires and vandalism. .

Eating Disorders

Children or adolescents who are intensely afraid of gaining weight and do not believe that they are underweight may have eating disorders. These disorders can also be life threatening.

Young people with anorexia nervosa, for example, have difficulty maintaining a minimum healthy body weight. Anorexia affects one in every 100 to 200 adolescent girls and a smaller number of boys.

Youngsters with bulimia nervosa feel compelled to binge (eat huge amounts of food in one sitting). After a binge, in order to prevent weight gain, they rid their bodies of the food by vomiting, abusing laxatives, taking enemas or exercising obsessively. Rates of bulimia vary from one to three of every 100 young people.

Autism

Children with autism, also called autistic disorder, have problems interacting and communicating with others. This disorder appears before the third birthday, causing children to act inappropriately, often repeating behaviors over long periods of time; some children bang their heads and rock, or spin objects.

Symptoms range in intensity from mild to severe. Children with autism may have a very limited awareness of others and are at increased risk for other mental disorders. It affects 10 to 12 of every 10,000 children.

Schizophrenia

Young people with schizophrenia have psychotic periods that may involve hallucinations, withdrawal from others and loss of contact with reality. Other symptoms include delusional or disordered thoughts and an inability to experience pleasure. It occurs in about five of every 1,000 children.

Treatment and Research: Sources of Hope

Now, more than ever, there is hope for young people with mental, emotional and behavioral disorders; most of the symptoms and distress associated with them can be alleviated with timely and appropriate treatment.

Researchers are working to gain new insights that will lead to better treatments and cures for these dysfunctions; innovative studies also are exploring new ways of delivering services to prevent and treat them.

Research efforts are expected to lead to more effective use of existing treatments, so children and their families can live happier, healthier and more fulfilling lives.

I want you to rate your own mental health.

Classifying your own mental condition is an almost impossible task, according to experts. But, it is a little easier if you go about it from the positive point of view – mental health rather than mental illness.

With the cooperation of The National Association For Mental Health, I have prepared a survey which could be of help to you in deciding whether or not you need help.

Your Feelings about Yourself: Yes / No

1. Do you get honest satisfaction from simple pleasures?

2. Do you have respect for yourself?

3. Can you take disappointment in stride?

4. Can you laugh at your own errors?

5. Do you feel capable of dealing with situations as they come your way?

6. Can you accept displays of your own emotions – fear, anger, jealousy, guilt, worry?

Your Feelings about Others: Yes / No

1. Do you have personal relationships that are satisfying and lasting?

2. Do you trust others and assume that others will trust you?

3. Do you respect people who differ from you?

4. Do you refuse to be pushed around and refuse satisfaction from it?

5. Can you feel you are a part of a group?

6. Are you able to love somebody?

Your Feelings about Life: Yes / No

1. Do you accept as much responsibility as comes your way?

2. Do you plan ahead without fear of the future?

3. Do you welcome new ideas and experiences?

4. Do you put your best effort into what you do and get satisfaction from it?

5. Do you make your own decisions?

6. Do you deal with your problems as they arise?

7. Do you shape your environment whenever possible and adjust to it whenever necessary?

8. Do you set realistic goals for yourself?

9. Do you feel you are making use of your natural capacities?

If you score a perfect mark – you can assume that you are the lucky possessor of a balanced personality, a mentally healthy one. Just a few NO’s may be regarded as normal. But if too many of your answers are NO – five or more – the chances are that some degree of help is needed. More help than a simple book can give you.

Persons who feel that self analysis is not enough, should contact their local branch of The National Association For Mental Health for information as to where help is available. Other places which may be contacted for information are: the state affiliate of the American Psychiatric Association, family service agencies, state or county health departments, your own general practitioner.

You may also find that there is available in your community one of the growing number of mental health clinics.

Worry

Worry is a protracted or recurrent act of the mind, which always fails to result in a constructive solution of the question and usually ends in confusion, fatigue, and emotional instability. You can concern yourself about an important problem, if this means merely a careful consideration in an orderly manner, leading eventually to an acceptable conclusion. Even when the conclusion happens to be contrary to your wishes, it may be accepted as a conclusion and thus worry can be avoided. Such an effort is constructive, whereas worry is always destructive.

The ordinary dictionaries describe worry as feeling or expressing a great deal of care and anxiety, manifesting unrest or pain, fretting, chafing, being anxious or fearful. Since all of these reactions are undesirable from the point of view of their effects on the body, worry is a most undesirable characteristic.

Many people insist that they never worry. These are the people who have learned to reason themselves out of anxiety over situations in which they find themselves. The process is known as “rationalizing.” Other people developmental tranquility or peace of mind by accepting a belief which eliminates from consideration anything displeasing to them. Such a process is not rationalizing, but may achieve the same effect if the person can shut out completely any problem that disturbs him. Most people find peace of mind necessary if they are to accomplish their responsibilities in the business world or in the home.  If one does not have such peace of mind there is a constant feeling of insecurity, a constant fear of a threat to life itself or to the life situation of the person concerned. As a result, energy is squandered and the reserve of the nervous system is exhausted, so that the person becomes tired, worn, distressed and may have what is commonly called a nervous breakdown.

When worry appears to this extent, the effects manifest themselves on different portions of the body. If the worry is related to the heart the person feels palpitations, extra and light beats of the heart, and similar manifestations; such a person may focus attention unduly on the pulse or the blood pressure or some other factor related to the circulation. If the nervous condition brings the focus of attention on the stomach and ~ bowels there may be constipation, diarrhea, or other manifestations even more serious.

Many a person endeavors to escape from worry by fleeing into an addiction to drink, to drugs, to sedatives, to gambling, or to other practices that are known to be against the best interests of humanity. The escape is only temporary, and the trouble returns just as soon as the liquor or the drugs have worn off. There is no doubt that a restful night’s sleep, a vacation, indulgence in outdoor sports, or even the theater or the movies may be utilized to better advantage as means of
escape from the reality of worry.

Emotional Disturbances

Most people have minor emotional disturbances that are not recognized but, because of their effects on the general health, have medical significance. Many people in industry, in labor, and in public life get along, although they suffer at all times with difficulties of adjustment to  their environment. An analysis of the people who come to doctors’ offices .revealed that from 30 to 60 per cent come as patients primarily because of complaints due to emotional disorders, which are reflected as physical disorders. Treatment is not fully satisfactory unless it takes care of the mental as well as the physical factors.

Our population has become an aging population. People live much longer than was common fifty years ago. As people get older they tend to develop more emotional experiences, and this has greatly multiplied the need of psychiatric help. According to the available figures one out of every twenty people will need advice or guidance from an expert for severe emotional illness at some time during his lifetime. This is indicated by the fact that more than one half of all the veterans in veterans’ hospitals are psychiatric patients. Thirty-seven per cent of releases from the army for medical reasons were for psychiatric disorders. A total of 51 per cent of all medical separations from the military service were due to personality disturbances. In addition, people who are mentally disturbed constitute about one-half of all of the patients in hospitals in the United States.

While modem medicine has much knowledge of psychiatric conditions, far more still remains unknown than is actually known. Methods of treatment developed in recent years include the successful use of the tranquilizing drugs (see below), electric shock, psychoanalysis, the use of occupational and recreational therapy. Since the number of competent experts capable of treating such patients is insufficient, study is now being made of the treatment of mentally ill patients in groups. This is called group psychotherapy.

Mental Hygiene In Business

Suitable adjustment of workers to their surroundings is important in establishing a smooth-running condition in any business or industry. Ask the average business man if he needs a psychiatrist in his business, and he will think you are mentally disturbed. Psychiatrists, most people believe, spend practically all of their time finding people who need to be confined in institutions because they are wholly irresponsible.

Most large industries have employment interviewers, who have knowledge of the positions to be filled, of the persons in the department, and, therefore, of the kind of employee who will fit best and serve most satisfactorily under the circumstances. Most employment interviewers can recognize easily a prospective employee who is so far “off the beaten path” from a mental point of view as to be unsatisfactory for any job. No one suggests that employment interviewers should be replaced by psychiatrists or psychologists. What a businessman wants is a worker who can respond to the particular problems and procedures of the job for which he is employed. The boss seldom wants to be troubled about the general personality of an employee or the question of how he gets along with his wife. Nevertheless, that very situation may be important in relation to the quality or amount of work. Problems may arise which are due to it neurosis or psychosis in some employee whose mental condition has not been recognized.

Mental hygienists are convinced that training ought to be made available to employment managers or to the workers in the personnel divisions of industries. Workers are frequently transferred into personnel departments because they appear to be able to get along well with other people -but  sometimes because they are hard and skeptical. Generally they work out their own techniques, whether for the handling of personal problems or for the selection of new employees.

Already there are plenty of reports of instances in which employees who failed to respond acceptably to their executives were given scientific study and thus saved for the organization. We have learned how to modify the attitudes of parents and to improve their relationships with their children. Similar tactics are needed for executive businessmen to improve their relationships with their employees.

Mental Defect

Among the great unsolved problems of modem medicine are many of those associated with mental disease. People still fear the sudden appearance of the “loss of the mind”, or the birth of a child apparently without normal mental ability. Over 3,000,000 children are born in this country every year. Actually from 150,000 to 200,000 of those born will eventually be committed to hospitals for mental disease.

Much can be done to prevent or overcome many of the conditions that disturb the mind. With modem methods of treatment, improvement can even be secured in certain forms of complete mental breakdown. Problems of mental defect and of mental diseases are not only approached by putting the patients in institutions but also by applying some of these new forms of treatment.

Parents, teachers, and those organizations concerned with the supervision of children must realize the importance of recognizing strange behavior at the earliest possible moment. Children who are mentally retarded or who are slow in their mental development should be submitted to expert advice as soon as possible. These children will be brought into social and economic competition, and the contrast with normal children, coupled with pressure from forces behind them at home and even from their association with competitors, may result in a reaction and in the formation of attitudes which lead to permanent disturbances. There are many causes of mental breakdown and many classifications of mental disturbance. Research has been intensified on dementia praecox, in which the so-called insulin shock, metrazol shock, and electric shock treatments are being tried. Modem medicine also offers new forms of study, including analysis of the mental processes, leading to recognition of the underlying factors in mental disturbances.

The wise man need not fear such a catastrophe. He should know that scientific methods of diagnosis and treatment are now available.