Some of our readers may know that Chuck and I are returning to a small private practice. I’ve written before about the, shall we say, challenges of starting up a new practice after being away for several years. Nevertheless, we are marching along. We hope to focus on providing cognitive behavioral psychotherapy. But a small part of both of our practices will feature psychological assessment.

The art and practice of psychological assessment and diagnosis can be fascinating. I get a great deal of satisfaction out of accumulating information, administering tests, delving through records, getting to know someone and putting it all together into a description and usually a diagnosis. It’s the sort of work that a good detective does; gathering facts, considering theories, and solving a mystery.

Obsessive Compulsive Disorder (OCD) is a serious emotional problem that involves:

Obsessions: Intense worries, thoughts, and images that pop into the mind and create a great deal of distress. Worries about becoming contaminated with germs are an example of a particularly common obsession.

Compulsions: Various behaviors or actions that temporarily reduce the distress obsessions cause. For example, people with contamination obsessions would be likely to wash their hands excessively to deal with their worries about becoming contaminated.

Earlier this week, we wrote about seven signs that someone might need professional help. Parents often ask the same questions about their kids. They don’t want to send their kids to be evaluated if there’s nothing to worry about; after all, consulting a mental health professional costs time and money, and could cause a little anxiety in the process. By the way, we usually suggest a quick check in with the pediatrician first because signs of what appear to be behavioral, emotional, or learning issues can be caused by physical problems and medical providers often know who to go to for mental health help.

Since the signs differ a little for kids versus adults, here’s a list of seven signs that tell you if your child needs further assessment:

People with all sorts of anxiety disorders worry a lot. Frequently, they spend inordinate amounts of time trying to anticipate and prevent negative outcomes. They fret for hours about possible risks like MRSA, heart attacks, traffic accidents, and airplane crashes. Sometimes they also spend lots of time trying to minimize these risks by excessive cleaning, avoiding traffic at all costs, taking a train instead of a plane, exercising to excess or dieting beyond all reason.

It’s as though they think that their worries and/or compulsive actions will truly help keep catastrophes at bay. In other words, spend enough time and effort and you’ll be safe from harm. Oh, it only it were so.

We’ve paid special attention to kids’ problems with anxiety in a number of our For Dummies books, including “Overcoming Anxiety For Dummies,” “Child Psychology and Development For Dummies,” and “Obsessive Compulsive Disorder For Dummies.” That’s because attending to anxiety early can help prevent the emergence of much bigger problems down the road.

I thought you might like to see some of these ideas in a snapshot. Here they are:

As I write, we are leaving for a trip this weekend overseas. The weather could be raining and cold or hot and muggy. I planned to start packing today. However, I decided to clean microscopic soap scum off the shower door instead. It feels much better to use a toothbrush to clean those tiny crevices in the shower than to contemplate packing. Nothing like a bit of obsessive compulsive behavior to ward off anxiety!

People with anxiety disorders tend to get anxious (okay, duh). They even worry about getting anxious after seeking treatment for their anxiety. Sometimes they go so far as to use this concern as an excuse for not seeking treatment in the first place. In other words they think, “Why bother getting treated if the problem is likely to make a swift return after I get treatment anyway?”

If you’ve had thoughts like these, I’d like to suggest you try rethinking your viewpoint. Treatment of anxiety and obsessive compulsive disorder generally has enduring, positive effects. That’s especially the case if you obtain treatment based on cognitive behavior therapy that’s been specifically tailored for the type of anxiety or OCD you struggle with.

In fact, cognitive behavioral treatment for anxiety typically holds up far better than medication over the long haul. So even if you do take medication for anxiety or OCD, you now have one more reason to add cognitive behavior therapy to your regimen—the likely prevention of relapse as well as the possibility (for many) of successfully tapering off your medication at some point.

Nonetheless, relapse does happen. What should you do if it does?

I’ll bet you thought you have more than enough to worry about. And now, our nation’s capital has managed to come up with something else—whether or not we’ll raise the national debt ceiling.

Never mind that the debt ceiling isn’t about new spending at all. Raising the ceiling only allows the government to pay the bills it has already incurred. Failing to raise the debt ceiling is like going on a spending spree, taking all of the stuff you bought home, then getting a bill and refusing to pay it. Failing to raise the ceiling, in effect, puts the nation in default.

The New York Times recently ran an article bemoaning the ever increasing focus on safety at our nation’s playgrounds. Today, you rarely see monkey bars and tire swings. And playground surfaces feel like walking on a giant sponge. Tall, fast slides have shrunk, leveled out, and slowed down. Signs warn parents everywhere about potential dangers.

But this emphasis doesn’t stop at playgrounds. When is the last time you drove by a school bus stop and saw only children? You’re just as likely to see more parents and caretakers than children waiting for the bus. Newspapers run articles all of the time that warn of potential dangers to kids. It seems that the media can’t get enough of these stories.

As the holiday weekend has come to a close, perhaps you have a little regret over having indulged in too much food, or spent too much on fireworks or entertainment. We want to address the guilt over too much spending.

We know lots of people whose primary worries and anxieties revolve around money and finances. People worry about saving enough for retirement; they fret over having enough to pay their bills, and they feel anxious about unexpected expenses. But when money anxieties mount, a surprising common response is to simply “check out.”

In other words, when worries start to overwhelm them, many people cope with these concerns by paying absolutely no attention to the inflow and outflow of their money. They have no idea where their money is going and they don’t want to know. You see, actively monitoring their money makes them anxious so they don’t do it.