Put her on a difficult horse. Then, she'll either be too scared to bother you guys again or she'll buck up.
Naw. Just kidding, that's a little mean.
She just needs to realize that she's not going to die. Which means she has to go up that steep hill and see that the horse will be fine, and to cross that river and realize that even if it is deep, horses can swim. She's inexperienced, therefore afraid. Besides, she's pretty lucky to have the horse she does as a beginner, because my first horse would have galloped through the river and up the hill whether I was okay with it or not... lol.
The best thing for this, I believe, is to just keep taking her on trail rides, and enjoy yourselves- if she's scared of climbing up the hill and acts like a brat, but sees that all the experienced people are calm and collected, she'll start to think about it. It will take time, but in the long run, it's worth it. I went through the exact same thing with my little sister- I was the daredevil, who galloped everywhere, while she cried when the horse trotted. She still doesn't really like to go fast, but she's a good, comfortable rider now, because we spent the time to get her over her fear, no matter how annoying she was. (And trust me, she was ANNOYING!)
Last edited by soenjer55; 03-15-2012 at 06:29 PM.