What household chores are you responsible for in your family

How do shared household chores in your family help to strengthen relationships?

Who does most of the household chores in your family and how does it impact your relationships?

Shared household chores in your family can help in improving your relationships. You must have not thought it this, but it can literally save your marriage and even help in improving family bonds with your spouse and children. Household chores had always been the main focus of the women in the house, but it has not been considered as a relationship-building tool.

Household chores in your family are perhaps the most underrated tasks. Cleaning the house daily and creating a weekly and monthly and even yearly schedule of thorough cleaning only gives headache to the lady of the house.

Sometimes I feel it is the sole responsibility of a woman to keep her surroundings clean whereas, the other members of the family share the same space with her but they are nowhere responsible for the tidy part.

For ages cleaning and household chores have been a gender-based job, but with time we can see positive changes where the other members of the family are sharing household chores.

Now husbands not only do some fine-tunings to take the credit of their part of household chores, but also extend helping hands in doing the essential daily household chores for their family.

In a study, conducted by the Council of Contemporary Families, it has been researched that in low to moderate-income group families, the women are responsible for the majority of household chores. This shows a low satisfaction level when it comes to her feelings towards her spouse, lower family bonding, and less overall satisfaction.

So, now it is eventually proven that household chores in your family should be shared amongst family members and that too for a good reason. A family that performs household chores together lives happily together.

Prepare a master household chore list with your family

Household chores may seem to be a big pool of work if it is not organized. Sharing responsibilities among spouses and children lower the burden on the women of the house and thus supports an engaging and caring atmosphere.

There are various online household chores list available online, but I would suggest preparing your personalized one. This will give you enough room to distribute household work in your family sensibly and according to personal choice.

So what better can you do than just chalking out the household chores that need to be performed on a daily, weekly, and monthly basis? You can take the help of your computer to make it more interesting or just write it down. There is no hard and fast rule for it, but it’s all about making it engaging when it comes to sharing household chores in your family. So, let’s take a closer look at the works.

Featured master household chore list

Daily household chores

Weekly household chores

Dusting Laundry Window and curtain cleaning Re-arranging table tops

Dusting Laundry Window and curtain cleaning Re-arranging table tops

Monthly household chores

Yearly household chores

Thorough cleaning of the house Carpet washing Major gardening works

All these are the major household chores in your family that can be shared among each member to make it stress-free for the person you love and care for. Now two questions instantly strike my mind. The first one is, how can shared household responsibilities help to develop healthy relationships? And second, how do I segregate the work among other members of the house to make it fair share? Well, we will find the answer to these questions now.

How shared household responsibilities can create healthy relationships?

There has always been a fight regarding who works the most? The husband who goes to the office or the wife show stays at home? It has also prevalent that even working women are responsible for household chores whereas men are only entitled to office works. But here are some good reasons to share household chores in your family to strengthen the family bonds and this is how it works.

How to divide the responsibilities to make it a fair share among your family members?

Sharing responsibilities in itself can be a tough job, because if someone does not perform his share of wok then the wok will remain undone. However, you can clearly avoid such circumstances by involving your family into planning and allocating household chores in your family.

How to reward your family on completing household chores as a family?

While you are working together to accomplish household chores in your family as a team, you must celebrate the achievements. Reward your family with what they enjoy the most and most importantly, announce our efforts as their reward to work as a family and a team.

Conclusion

We have figured our more than enough reason to share household chores in your family. Wow! Isn’t it great and engaging to see your family working together to accomplish family goals? As a woman of the house, thinking of this is fulfilling to me. See we have so much to do around us to improve our relationships and to implant positivity in our children.

I cannot end this without sharing the picture of my home. My husband has been a darling when it comes to household chores. From the beginning of our marriage, he has been helping me in the household chores. Be it cooking meals, preparing the laundry for a wash or a floor cleaning work, he has always helped me throughout these years.

Now if you evaluate that where he learned this from. Well, as I always say that kids learn from their parents, in the same way my husband has learned that you must share household chores in your family at an early age when he was a kid. And he learned it by seeing his father. Now it is proved that sharing household chores can be beneficial for your personal relationships as well as building your child’s characteristics.

Please write in the comments below if you have a similar story to share.

10 Reasons Why Household Chores Are Important

Whether we like it or not, household chores are a necessary part of everyday life, ensuring that our homes continue to run efficiently, and that our living environments remain organized and clean, thereby promoting good overall health and safety. Involving children in household chores gives them opportunity to become active participant in the house. Kids begin to see themselves as important contributors to the family. Holding children accountable for their chores can increase a sense of themselves as responsible and actually make them more responsible.

Children will feel more capable for having met their obligations and completed their tasks. If you let children off the hook for chores because they have too much schoolwork or need to practice a sport, then you are saying, intentionally or not, that their academic or athletic skills are most important. And if your children fail a test or fail to block the winning shot, then they have failed at what you deem to be most important.

They do not have other pillars of competency upon which to rely. By completing household tasks, they may not always be the star student or athlete, but they will know that they can contribute to the family, begin to take care of themselves, and learn skills that they will need as an adult. Here is a list of household chores for kids:

1. Sense of Responsibility

Kids who do chores learn responsibility and gain important life skills that will serve them well throughout their lives. Kids feel competent when they do their chores. Whether they’re making their bed or they’re sweeping the floor, helping out around the house gives them a sense of accomplishment. Doing daily household chores also helps kids feel like they’re part of the team. Pitching in and helping family members is good for them and it encourages them to be good citizens.

Read here a detail blog: Routine helps kids

2. Beneficial to siblings

It is helpful for siblings of kids who have disabilities to see that everyone in the family participates in keeping the family home running, each with responsibilities that are appropriate for his or her unique skill sets and abilities.

3. Purpose

Having responsibilities like chores provides one with a sense of both purpose and accomplishment.

4. Preparation for Employment

Learning how to carry out household chore is an important precursor to employment. Chores can serve as an opportunity to explore what your child excels at and could possibly pursue as a job down the road.

5. Make your life easier

Your kids can actually be of help to you! At first, teaching these chores may require more of your time and energy, but in many cases your child will be able to eventually do his or her chores completely independently, ultimately relieving you of certain responsibilities.

6. Chores may make your child more accountable

If your child realizes the consequences of making a mess, he or she may think twice, knowing that being more tidy in the present will help make chores easier.

7. Develop fine and gross motor skills and planning abilities

Tasks like opening a clothes pin, filling and manipulating a watering can and many more actions are like a workout for the body and brain and provide practical ways to flex those muscles!

8. Teach empathy

Helping others out and making their lives easier is a great way to teach empathy. After your daughter completes a chore, you can praise and thank her, stating, “Wow… great job! Because you helped out, now Mommy has one less job to do. I really appreciate that!”

9. Strengthen bonds with pets

There is a growing body of research about how animals can help individuals with special needs. When your child feeds and cares for his pet, it strengthens their bond and makes your pet more likely to gravitate toward your child.

10. Gain an appreciation and understanding of currency

What better way to teach your child the value of a rupee than by having him earn it. After your child finishes his chores, pay him right away and immediately take him to his favorite toy store where he can buy something he wants.

Household chores

There are stereotypical responsibilities of the husband, the wife, and the children in a family. They say that the wife’s responsibilities are, basically, to do everything, as far as I can see … to make the beds in the morning, cook the breakfast, and then, when the children go to school and the husband goes to work, to start washing the clothes, then tidy up the kitchen, do the washing up, clean the kitchen, go shopping and buy the food for the week, and then put out the washing. If she has a garden, she can hang the washing out on a washing-line – and then tidy up the living room, do the “hovering” (the vacuum cleaning), and tidy the children’s bedrooms, although I think it should be the children’s responsibility, really, to keep their own bedrooms tidy.

The typical role of a husband, I suppose, is that during the week he goes out to work and earns money for the family. Maybe, at the weekend, he cleans the car and does more technical things around the house, like changing fuses and putting up shelves. Lots of people in England are really into DIY, that’s do-it-yourself, and they try to make furniture, put in their own bathroom appliances, put tiles on the bathroom walls themselves, put up shelves and things like that, and these things are usually seen as the husband’s responsibility. It’s also seen as his job to put up the wallpaper, paint the walls, and maybe also to work in the garden, mowing the lawn, cutting the hedges, trimming the rosebushes, etc.

I think it’s becoming much more balanced these days, as quite often the wife goes out to work too, and, of course, when she comes home from work she doesn’t want to have to start doing the vacuuming immediately. Some men are more willing to iron their own shirts and sew on buttons than others, but I think, nowadays, they’re quite often willing to help out with the household chores, such as cooking or washing up the dirty plates after the meal.

Concerning the children’s responsibilities, I think they should definitely keep their own rooms tidy, and make their own beds. If I had children, I would give them some pocket money, but on condition that they did some chores around the house every week. In this way, they might learn that the house doesn’t clean itself. You have to get the vacuum cleaner out and do some work if you want the place to stay tidy.

Wife, mother and career woman … well, I suppose if you’re a housewife and that’s what you’re decided you want to be, then that’s fine, but you have to take all the duties that go with that. So you have to be prepared to look after children and really play some part in their upbringing, and help them learn to read and write, and teach them how to tell the time and do up their shoelaces, take them to school, things like that. You also have to be prepared to do all the boring menial household duties. However, I think that if a woman wants to go out to work, she should be able to. Some people think it’s really bad if the wife leaves the children, puts them in a nursery school and goes out to work, as if she was neglecting them, but if she stayed at home with the children and was miserable, it wouldn’t solve anything, because maybe then she would just resent the children. So, a woman should follow her own heart, I think, and if she wants to work, then that’s fine.

to tidy up the kitchen – прибираться на кухне

to do the “hovering” – пылесосить

to do the washing up – стирать

to earn money – зарабатывать деньги

to change fuses – менять пробки

to put tiles on something – выкладывать кафель на что-либо

to put up the wallpaper – наклеивать обои

to sew on buttons – пришивать пуговицы

to look after somebody – ухаживать за кем-либо

to do up shoelaces – завязывать шнурки

to neglect somebody or something – пренебрегать кем-либо, чем-либо

to resent somebody – недолюбливать кого-либо

to put in bathroom appliances – устанавливать сантехнику

to be miserable – быть несчастным

on condition that – при условии что

7.3 Study the following model:

If I had children, I would give them some pocket money.

Если бы у меня были дети, я бы давала им деньги на карманные расходы.

Топик HOUSEHOLD CHORES

На этой странице находится топик по английскому по теме HOUSEHOLD CHORES

There are certain things in life, which you have to do whether you like it or not. One of such things is household chores, doing which is a necessity. It’s what someone in the family has to do every day in spite of his wish or desire. You can hardly find a person who doesn’t like comfort, delicious food, clean and tidy clothes. All these things need somebody’s attention and doing them is called housework.

They say that doing housework is boring and, besides, it takes a lot of time with a hardly visible result. In my opinion the best way to do many things about the house is by splitting the job among the family members. If every member of the family does his bit about the house, then keeping it isn t difficult or boring, and proves the proverb «Many hands make light work». But it’s only in theory, and it may be different in practice. Certainly I have some household chores. There are some things which I can’t avoid doing. For instance, my regular chore is cleaning my room. Generally, I do it once a week, on Sunday. I can’t say that I’m a messy person, but as I am very busy during the week at school and doing my homework in the afternoons, I hardly clean my room at all on weekdays and that’s why by the end of the week it looks like a storehouse with piles of books, cassettes, discs and my clothes on every chair. As a matter of fact I usually like to have all my things at hand and I don’t want to put them in their right places each time I have used them. Another thing which I have to do daily is washing up. It has been my duty for years.

Once a week my parents give the flat a big clean. If I am not very busy I help them with it. While my parents are dusting the carpets outside I am polishing the furniture and vacuum-cleaning. What I most hate doing about the house is washing the windows, though I have to do it from time to time. But we have agreed that it should be the father’s job.

I don’t do much washing as we have a washing machine. And I must add here that I dislike ironing clothes, though I iron my own things.

There are some other things I also do about the house, but they are occasional. I think that I should mention here the role of technical progress in making housework easier. On TV they advertise a lot of things for it from washing powders to washing machines and liquid vacuum-cleaners. That’s all very well, but not all families can afford them as most quality things are really expensive. And in the XXI century it’s already impossible to imagine our life without automatic, electric and electronic appliances which make the housework better and faster. Some scientists even say that computers will one day replace man in all household chores and I hope that in some time it will be enough just to press a button to have your housework done and you may sit comfortably in an armchair and relax. But at present il’s the mother’s hands that make my life pleasant and cosy at home.

I am a boy and though I like delicious food and clean shirts I must admit that I hate housework though I have to do some things about the house almost every day.

As for our family we are considered to be a fairy large one because there are 5 of us sharing a three-room flat and of course there is a lot of work to be done every day like cleaning, cooking, shopping and so on. The best way in my opinion to do all the chores is by splitting them among the family members. Hut it’s only in theory. In practice all the housework is the burden on the mum’s shoulders. Firstly because my father is very busy as he has to support the family and he prefers having a rest in front of the TV set or playing with the younger children alter the hard day at work rather than washing up or doing the flat. Our father’s special duty is going shopping. He does it with pleasure and our family is always provided with a great amount of all necessary and unnecessary food.

My brother and sister are too small to be helpful with doing housework. Instead they make a big mess everywhere as they can’t stay in one and the same place for more than a minute. Our little ones are very restless, more naughty than they should be. And when the two of them are playing they make a hell of the house which of course drives our mother mad because she is the only person to do the rooms afterwards.

As for me I haven’t got a room for myself, so all my stuff is scattered about the flat. I like to have all my things at hand and I think that it’s only a waste of time to put things in their right places each time I’ve used them. So my mother does it. Unfortunately we have different views on this problem. She is crazy about having the place clean and tidy with everything in its right place. So when I come home from school I have to apply all my enthusiasm and quick wit to find the things I need.

Generally speaking, I can’t say that I am absolutely set against household chores but eventually it turns out to be like that. But nevertheless I have to wash up and to do some other work about the house. And my personal duty is to take care of the dog which in its turn demands much time and patience but I must say it’s the most pleasant and at the same time responsible housework I do every day, and here I must add as well that occasionally I assist my father in doing the shopping, help my mother when she starts giving the flat a big clean. I also sometimes go on short shopping rounds for small things but I seldom wash clothes or the windows or iron bed linen.

Frankly speaking, I’m not at all keen on housework. It never looks encouraging to me though I have to do it from time to time.

Guide to Household Chores for Kids & Teenagers

If you, as a parent, find yourself doing most of the chores around the house, it may be time to assign more tasks to your tweens and teens. Not only does giving your kids daily chores help lighten your load, but taking on those responsibilities will also prepare them for adult life, like when they will need to manage homes of their own.

Did you just groan at the idea of managing a list of chores for your kids? We get it. Researching age-appropriate chores, staying on top of your kids’ list of chores and even creating chore agreements can be, well, a bit of a chore. That’s why we created this guide. With some of the tips you’ll find here, you’ll (finally!) get help around the house while preparing your kids for their future.

In fact, add in a weekly allowance tied to a chart for chores (more on that below), and the lessons extend to money management. After all, financial literacy is a key component of adulting. Earning money—and spending it!—is one of the best ways to practise.

Since your kids probably live on TikTok and Instagram, using an app to track and manage their chores and allowance is an easy way to teach financial skills. That’s where Mydoh comes in. It’s a money management app and Smart Cash Card for parents and kids that helps encourage good decision-making around money. Through the app, you can coach your teens and tweens on the value of a dollar.

What are chores?

Daily chores and weekly chores are ingrained in grown-up life that we sometimes forget what they actually are. Taking out the garbage and recycling, emptying the dishwasher, and vacuuming are just a few of the chores around the house that never seem to end. That’s the point: They repeat. Like painting the porch, a once-in-a-few-years job isn’t a chore, but folding laundry or sweeping the floor are definitely house chores.

Why are chores important?

Kids may beg to differ, but, according to research, doing age-appropriate chores is vital at all childhood stages, even for children as young as three. That’s because household chores boost kids’ sense of responsibility.

In tackling a list of chores, they are taking care of others and caring for themselves. Learning social responsibility and self-care helps increase teens’ and tweens’ self-esteem and gives them skills they can use throughout their lives.

7 values that chores teach

While it’s a bonus for you to have the kids pitch in with the domestic labour, chores also teach kids important values. Here are a few.

1. Responsibility

According to Psychology Today, chores instil kids with a sense of being needed and teach them how to take care of themselves and their own needs.

2. Pride

Household chores for teens and tweens encourage skill-building, and when they become proficient, they earn respect and validation from their peers, siblings, and adults. Just ask any Canadian teen who mows the lawn or shovels snow—friendly neighbours and passersby often encourage and praise their work.

3. Confidence

Unlike mastering quadratic equations or the five-paragraph essay, kids can easily get a handle on managing household chores. And accomplishing these tasks on the regular can really boost their self-confidence.

4. Independence

Tweens and especially teens have an innate desire to become more independent. Having chores to do (and an allowance tied to them), fosters their growing sense of self-sufficiency. (Tip: Mydoh can help you coach your kids on saving and spending responsibly.)

5. Decision-making

All household tasks come with decision-making requirements, from the simple (like how much dish soap to use) to the more complex (like working safely with sharp gardening equipment). Doing a chore is great practice for this important life skill.

6. Commitment

Completing chores in exchange for an allowance is an excellent way to learn and practise stick-to-it-iveness. Dependability is an important quality in the workforce and a valuable social skill that cements relationships.

7. Empathy

Parents are not robots, and our lives can be busy and stressful. We deserve a break from the endless cycle of sorting laundry, cooking meals, and making beds. Chores and chore agreements enable our kids to see how much work running a house is. Pitching in will help them practise their empathy while lightening our loads.

The best chores to assign by age

What tasks should your 16-year-old be doing? What’s an appropriate chore list for a 10-year-old? Glad you asked. These are some appropriate chore ideas for tweens and teens.

What are good chores for kids under the age of 10 years old?

What are good chores for tweens 10 to 12 years old?

What are good chores for teens 13 to 16 years old?

Any of the above chores for kids, plus:

Looking for more chore ideas for your teenagers? Read our articles on summer chores, winter jobs for kids and spring chore ideas for kids

How do you motivate kids to do their chores?

We know that doing house chores benefits tweens and teens, but what happens when they don’t want to do them? Giving them chores to do for money can help (pay for work is how many of us are motivated to do our jobs, after all), but some kids will still put up a fight. The word “chore” conjures drudgery even for adults, so who can really blame them?

That’s why it can help to reframe the word “chore” as a “responsibility,” according to child psychology experts. While a chore brings to mind boring, repetitive tasks, responsibility is something more meaningful.

Responsibility means someone depends on you. As a teenager, when you fulfill a duty that others benefit from or rely on (like making dinner), it can feel like a more grown-up undertaking than tackling a mere chore.

Then there are the issues of forgetfulness, procrastination and sloppy work, which can make parents feel like we’re always nagging or arguing with our kids about not only why chores are important but also the tasks themselves.

What to do about chore-ditching teens?

Here are some strategies to help you through these sticky situations.

For sloppy work, be more detailed in your list of chores. You can write out the steps and post them up if needed. For the dishwasher, for example, instead of just writing “load dishwasher” on a chart for chores, you could break it down like so.

Embrace natural consequences. Don’t rush in to unload the dishwasher or fold the laundry if your kid forgets to do it. Just take out your own plate and cutlery for use, and fold your own jeans. Sometimes learning the hard way, like when a favourite shirt is too wrinkled to wear to school because it’s been sitting in the dryer for days, is a better motivator than scolding.

Set a routine time to complete chores that are locked to something that happens regularly, like sweeping the floor after breakfast every morning or doing laundry after swim practice on Saturdays. The more of a routine it is, the easier it will be to remember.

Reward tweens and teens with a small bonus when they do really good work. Let them choose a takeout meal, pick the double feature for your next movie night, or play their own music on the car stereo during an upcoming road trip.

What is a chore agreement?

Chore agreements or chore contracts outline the tasks you want your tween or teen to do and the time frame for completing them. If you’re tying these chores to an allowance, you will list that amount here too.

You can print your chore agreements or contracts out for both you and your kids to sign if you’d like. The idea is that those chore responsibilities (and any associated payments) are in writing, it’s all clear, and everyone understands what’s required on the list of chores.

Chore agreements aren’t standard in every household, though. Many families find that with younger kids, a chore chart will suffice (especially for visual learners), and in some homes, parents do their own chores alongside their kids and use verbal reminders. Whether you use a chore agreement or not depends on family dynamics and what works best in your home.

What is a chore chart?

A chore chart is a document you can print out or manage digitally that lists all the household chores that need to be done. A chart for chores can be super simple, like a to-do list on the fridge, or more detailed, like a large calendar, which comes in handy when you’re trying to organize tasks for a bigger family.

Inexpensive and even free downloadable chore chart templates are easy to find online, or you can build your own. An online search can also yield fun tools you can purchase, like magnetic or pocket-and-card chore charts (which work great for tactile learners).

Reusable dry-erase posters offer flexibility if the chores need to change a little bit from week to week. Whatever works for your aesthetics, family life, and organizing style, you can find lots of options online or even at a craft or office supply store.

If you prefer going paperless, the Mydoh app and Smart Cash Card allows you to set up task lists and an allowance, and send your kids money instantly. It also tracks their earning and spending, making it simple to teach them the basics of managing money.

How to create a chore chart for your family

Crafty families can break out the glue gun and bedazzle a fun chore poster. Those with no time or patience for glitter can go a more basic route. How you set up and maintain your chore chart depends on your family’s style and needs, and the age of your kids.

How do you make a chore chart?

Tips for making a chore chart for older kids and teens

When should you not pay your tweens and teens for chores?

Whether our kids should follow a chore chart for money or do chores simply because they need to chip in around the house can be a source of debate for parents. There are persuasive arguments on both sides of the fence. Those against paying kids for housework say household chores are the responsibility of the entire family and shouldn’t be seen as a means of earning an allowance.

In contrast, some families believe doing a chore should be tied to an allowance because it can motivate tweens and teens to do the labour we might otherwise pay someone to do.

One famous allowance study from the ’90s found children who got allowances were more sophisticated about money than kids who did not. Furthermore, kids in the study who did not get allowances actually spent more money.

Like so many aspects of parenting, paying kids to do chores has no right or wrong answer. Our own cultural norms, upbringing, and belief systems are richly diverse, which helps inform our individual decisions about chores and allowance as we raise our kids.

Want to learn more about how to determine the right allowance? Read The Complete Guide to Giving an Allowance to Kids and Teens.

House rules vs. chores: What’s the difference?

Ultimately, the choice to tie chores to an allowance is highly personal. It doesn’t have to be all or nothing either—you can modify chores for allowance to suit your family’s values.

For example, some parents separate duties into “house rules” versus “chores.” Only chores earn an allowance. In this scenario, house rules are the unchanging tasks kids have to do to keep up their own space, person and property. This could include keeping their bedroom tidy or feeding their pets.

Chores, by contrast, are duties kids perform for the benefit of the whole family, like mopping the kitchen floor or vacuuming the living room. This difference between rules and chores is highly subjective and can look different in each household.

Chores you don’t have to pay an allowance for

Some chores are really just tasks kids have to complete. They fall under the umbrella of self-care, being considerate to others, conserving energy, and safety. Kids shouldn’t expect to get paid for:

The benefits of using an app to track chores

Using an app to track chores is a convenient way to manage tasks, especially if your family spends lots of time on their phones and devices. The Mydoh app is handy and easy to use, and even encourages tweens and teens to keep track of their earning and spending habits.

The Mydoh app can also be used in tandem with a printed-out chore chart or agreement if that’s your preferred organization style. But if writing everything out is just more work for you—or perhaps you’re not at home when some of the chores need to be completed—the Mydoh app makes it simpler to track what’s going on at home by keeping everyone updated in real-time.

The app is also a useful tool for coaching financial literacy. In addition to chore assigning and tracking, Mydoh Play helps teach kids money basics through bite-sized lessons such as cost of living, taxes, savings, investments and much more.

Kids are then tested on their knowledge and receive instant feedback in a safe space.

With the Mydoh app, kids can:

Chores and allowance: The big picture

Introducing regular age-appropriate chores and tying them to an allowance is a big step in coaching kids toward independence. Chores teach kids about responsibilities, and while they might groan initially, it makes them feel good when they contribute and learn skills involved in managing a home.

Likewise, parents get some help around the house. No more emptying the dishwasher and doing all the laundry alone—what’s not to love about that?

Download the Mydoh app to help your tweens and teens earn an allowance through tasks.

This article offers general information only and is not intended as legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. While the information presented is believed to be factual and current, its accuracy is not guaranteed and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the author(s) as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or its affiliates.