• July 31, 2017 /  Child & Parents
    Small Business Loans Industries

    Today all those who wish to systematically save enough for the future of their child consider buying a children plan. These plans help you to save up for the future of your child in the most affordable manner. Looking at the overwhelming response child plan have received from consumers, the market offers you two kinds of plans to invest in endowment based child plans & child ULIPs. Let’s take a look at both of them. In both the cases, the plan works in the similar manner, you need to pay a predefined premium towards the plan for a certain period of time. On maturity the plan pays out a lump sum or portions of the sum assured at regular intervals, as per your requirement.

    Endowment based children plan largely depend on how the insurer performs. So if the insurance company generates profits from the investment & gives you a share, then the value of your investment grows. The profits are h&ed to you as bonuses. So if you want a better return on the investment, then you have to depend on the bonuses h&ed out to you. The policy mostly invests in debt products.

    Child ULIPs on the other h&, form a more lucrative option to invest in. This instrument largely invests in equities. The risk it carries is evened out if you continue the policy for a longer duration.

    Under this children plan, investors have the option of choosing from different kinds of fund as per their risk taking capacity. A child ULIP plan that invests your money 100% into equity is an aggressive fund, whereas a plan that invests only in debt will be a conservative plan. You have the liberty to choose any of the plans offered to you & even switch between the funds later. This kind of a child plan is always beneficial as you can make the best of long term investment. Remember to choose a plan that suits your risk bearing capacity the most.

    A common benefit that both these plans provide is that if the parent of the child dies, the child is immediately h&ed the life cover amount by the insurer. Also, all the future premiums of the policy are paid by the company. On maturity the nominee gets an equal amount of the life cover along with the additional bonus if you opt for an endowment plan & the final market linked fund value in case of ULIP children plan.

    Source:

    I am Sarita Mane, an experienced author with keen interest on Insurance plans. I have a number of articles to my credit based on topics related to children plan.

  • July 29, 2017 /  Child & Parents
    Business-ideas

    One of the primary goals of parenting is keeping your child safe, healthy, and protected throughout their life and for the majority of parents this means watching over their kids like hawks until they reach their adult years. Even the most careful of parents, however, are unable to protect their children from everything and therefore it’s imperative that you ensure that as a parent that you are not only watching over your kids but also using all available resources to evaluate how they are doing physically, emotionally, and psychologically.

    Development seems to mostly start with the physical early on and as a result and even though other elements of your child are developing during this period at the same time, it can be hard to gauge initially and so all a parent really has to assess is the physical. Working along with your physician and speaking about any issues that might come up can help you to figure out early on if any issues are arising. Generally these issues can be indicative of more severe underlying genetic defects so keeping an eye on the physical progression of your kids isn’t insignificant.

    As your child starts to age and they begin to act more frequently with their friends you will be better able to gauge how they are commanding themselves in social situations. When comparing your child to his peers try not to over judge them just look for any notable differences and then talk about them with your doctor. Each child will develop at their own rate and just because your child has not reached a particular milestone, does not have to mean that they have a problem.

    Emotional development is something that can also be challenging to estimate, however, it’s still important that if you see your child especially as they start to approach the teen years, is struggling with issues that you get them the counseling they need to push forward. Counseling can be helpful for those who are fighting to deal with the pressures and issues that they have on their plate.

    And if you have worries about your child of a less serious nature then you may be best served to take the time and look up any issues that you happen to be dealing with your child about on the internet. There are many excellent medical resources along with parenting ones which can help you to find out quick information to help put your mind at ease. No child comes with a manual however some on-line research can really help you assess your child to discover if you need to cool down or if your child requires a trip to the pediatrician.

    When you’re searching for Texas health insurance be sure to stop by Go health insurance at gohealthinsurance.com.

  • July 29, 2017 /  Child & Parents
    own-business-idea

    Sitting down and reading to your child is one of the best ways to ensure a lifelong reader. Long before your child learns how to read, he can still benefit greatly from sitting down with a parent and listening to his favorite books. By listening to the words and looking at the text and pictures on the page, your child is increasing his vocabulary in preparation for talking and reading at a more advanced level. Your child is also following along as you point to words on the page, and he starts to associate the written word with specific meanings. In addition, reading together is an easy, effective way to bond. Children will love the time they get to spend with you and will love the stories that you read to them.

    During a typical busy day, it can be hard to know how much reading time is sufficient, how much is too little and how much is ideal. The answer depends on your child’s personality and your usual schedule. When your child is a toddler, you should ideally read together at least once a day. Read for as long as your child seems interested and engaged or as long as your schedule allows.

    If your child tends to grow restless, try shorter reading periods two or three times a day. Ten minutes is usually a good length for younger children. Whenever your toddler brings you her favorite book, if possible, you should sit down and read together. As your child grows older and starts to learn how to read, try to stick to a once-daily reading schedule. Eventually, your child may even beg you to read every day!

    Older children should have longer attention spans, so you can read for longer periods of time. You can even keep reading to your child after she learns how to read, especially by focusing on books above her reading level. As long as you continue to challenge them, children will improve their reading ability.

    By reading as often as possible, you are illustrating the importance and fun of reading and encouraging your child to take the time to become a strong, competent reader. Eventually, the children will take to reading on their own and you will no longer have to read to them. This does not mean an end to reading as a bonding activity. You can read different books at the same time; you can read the same book independently and discuss the story as you go. You can suggest new books to each other as well. Instilling your child with a love of reading can be a lifelong bond that you can both cherish.
    So in summary, you should read to your child as often as they possible and for as long as it holds their attention. By demonstrating how important reading is to you and for success in life, your children will learn to respect and enjoy reading.

  • July 28, 2017 /  Child & Parents
    Businessman with a strategy plan to be successful in his business

    After a child custody arrangement has been made, many parents may find themselves responsible for paying or collecting child support. Austin Texas has many policies that control calculation and payment. The concept and purpose of child support may seem straightforward, but it can be a fairly complicated legal issue. If you haven’t already, it’s highly recommended that you seek the advice of a lawyer before you comply with any monetary agreement. Without a buffer zone between you and the opposition, you may lose a large amount of what you should legally collect or be forced to pay more than necessary.

    How It’s Calculated

    Generally, child support is calculated based on the net income of the noncustodial parent, or the parent who is not currently responsible for physically caring for the child. The amount to be paid to the custodial parent is dependent on not only income, but the number of children the paying parent is accountable for. Usually, the amount deducted from the noncustodial parent’s net income begins at 20% for one child, and increases by 5% for every other child respectively. The parent responsible for support payments must pay until their child or children turn 18 years old, even if they’re being denied visitation rights. The penalties for not making payments can be severe, and sometimes result in fines or prison time.

    Help for Custodial Parents

    The advice of a lawyer is not only helpful in determining how much support you’ll pay or collect, but is also beneficial if the paying parent isn’t fulfilling their duties. If you’re a custodial parent and are no longer receiving payments every month, it’s in yours and your child’s best interest to speak with an attorney. Failure to make support payments is a serious matter, and shouldn’t be taken lightly. For many parents, monthly support payments are absolutely essential. To resolve the matter, a family law attorney will help you file a court order and represent your case at the scheduled hearing.

    Child Support in Austin, TX – At Nunis & Associates, you can expect only the most knowledgeable and aggressive representation. With experience in resolving many types of family law cases, they possess the necessary skills to effectively address your support payment concerns. Visit www.nunislaw.com right now to find out more about their skilled attorneys.

  • July 28, 2017 /  Child & Parents
    Small Business Loans Industries

    Is there a lot of stress and strain in your life because your children just dont listen?

    Do you spend the majority of your waking moments chasing after your children because they are not listening to you, and you feel like you have to micro-manage?

    Do you have no energy because all your energy is spent being frustrated and blocked by your childrens apparent inability to follow orders?

    Well, the good news is you may be able to get back your time and energy and a balanced family life simply by understanding what the communication block is between you and your children.

    Of course, every child is unique. Some children need their freedom more than others. Some children enjoy structure, and some do not. But what they all do have is one, two, three or four communication modalities or communication modes in common.

    What is a communication modality or mode?

    As Dr. Robby, Director of the LMC Relationship Centre, Developer of the Better Parents, Better Kids Program, and co-author of our e-book, Better Parents, Better Kids, explains:

    “Communication is the result you get. Different people are on different channels. We learn, we express love and communicate through different modes or combinations of modes. It is important to know who you are playing with and what channel they are playing on, or else your communication will not be very effective. We basically all want to get what we want. If you cannot get your message through of what your needs, wants, dreams, goals and visions are, you will be very frustrated and stressed. So an understanding of communication modes is a basic skill for relationship success, whether that is a relationship with a partner, your children, friends, family or coworkers.”

    The following is a very basic definition of the communication modes. You can be primarily one mode or a mixture of up to all four.

    Visual people communicate by seeing and doing. They like activities and they like gifts. They notice people, places and things with just the slightest glance. They feel and share love by doing things with or for other people. They take things at face value and do not look deeper into things. They learn by seeing and doing.

    Auditory people communicate through talking. They have the natural gift of the gab, are designed to be able to talk for long periods of time. They enjoy talking and listening to other people talk. They feel loved when they are talked to, and like to hear the words “I love you.” They learn by hearing.

    Digital people communicate through connection and understanding. They find the deeper meaning in everything they think, see and do. Understanding is very important to them. They feel loved when they share connections with others and are understood. They learn by understanding.

    Kinesthetic people communicate through their bodies. They move, feel and express through their bodies. Kinesthetics love to touch, feel, do physical activities and hug. They feel loved when they are touched. They learn through touch and through experience.

  • July 25, 2017 /  Child & Parents
    Online Business

    It is never too early or too late to start teaching your children. What you need to pay attention is the concord between the lesson and the phase. Make sure that you give the right lesson in the right time. Talking about teaching, this article concerns tools which you can use for your little kids.

    Speaking on learning tools, books seem to be listed in the first position. Books are good learning tools for everyone, from toddlers to adults. Dont think that books are not useful for toddlers who have not been able to read or write yet. Make sure that your children are accustomed to books as early as possible so that they grow up with reading habit. It is good for them to improve their knowledge and intelligence. For your toddlers, you can introduce books which contain pictures in bright colors. Read to them as of ten as possible. Someday your children will have intention to read books by themselves.

    Children like playing. That is why it is suggested that you use toys as one of learning tools. They can learn while playing. You will find that they will feel more fun learning with toys. Even, it is better if you come to play with them. You can use dough to build their creativity and imagination. In addition, there are board games which are also effective and fun for children. Your children can learn some lessons from board games, such as how to be patient, how to follow directions, how to take turns, and how to keep focus.

    You can also use art supplies. Ask them to create some artworks. For example, give them a blank paper and ask them to draw anything they want with crayons, paints, or colored pencils. Or, you can give them a coloring page. It is also good if you teach them origami, an artwork from folded paper. Another idea, you can teach them how to make an artwork from recycled things, like old newspaper, bottles of water minerals, and buttons. For example, create a crayon bin with those things. Or, you can search for articles on artworks from recycled things in the internet.

    Speaking on the internet, you probably want to use computers as learning tools. Search for online games which suit your children. In this case, you are teaching them technology with the computers as well.

    Those are learning tools that you can use to make your children to be more creative and ready for the following education. We always remind you that it is your responsibility as a parent to give your children the best education.

  • July 24, 2017 /  Child & Parents
    Pet hair dresser with punk style dog

    So, you have decided it is time to get pregnant and you can not ignore any longer the natural instinct to procreate and have your first baby. This can be a stressful time for any woman and I will look at 5 critical tips to help you get pregnant with the minimum of fuss and stress.

    In order to increase your chances significantly and to ensure a healthy baby you should do yourself a favor and print out these tips and stick them on your fridge.

    Tip 1 Folic Acid

    Start taking folic acid now; point 4 mg of folic acid per day will enormously reduce your chances of having a baby with a neural tube defect such as spina bifida and you should ensure that you start taking it about 2/3 months before trying to conceive.

    Tip 2 Fun Sex

    You need to ensure that you are relaxed and having fun when having sex rather than heaping stress and pressure on you and your partner by only having sex with a view to getting pregnant. One will follow the other and you can not force this; just ensure that you inject a little excitement into your sex life by doing it at different times of the day or in a different room than your bedroom. And many experts believe that you increase your chances of getting pregnant by lying down for up to 5 minutes after intercourse in order to allow the sperm to make it’s date with destiny.

    Tip 3 Make Love During Your Fertile Period

    This covers the time leading up to ovulation and includes the 5/6 days prior to ovulation.

    Tip 4 Keep a Menstrual Calendar

    It is important that you are organized and know precisely when your ovulation period is due; keep a calendar of your cycles and ensure that you are at your most sexually active during the 5 days prior to ovulation.

    Having a baby is a numbers game and assuming you do everything right the chances of getting pregnant are around 30% on any one occasion so don’t stress or put too much pressure on yourself. Take care, reduce your coffee intake and most of all have fun and ensure that your love making is fun and enjoyable for both you and your partner.

    And don’t heap pressure on your partner with your desire; he will want it every bit as much as you but there is no point creating unnecessary pressure on him and turning the whole deal into a pressure filled chore. Have fun! Check out wedding invitations online and discount wedding invitations online at

  • July 24, 2017 /  Child & Parents
    business conditions survey

    India has many crimes affecting the society in the present time among which child labor is the most prevalent and the most distressing issue.

    Child labor is a complex issue that includes premature adulthood of children below the age of 14. This implies that children are deprived of the joy and freedom of childhood by being forced to work like an adult for long hours. These children are involved in various kinds of low wage jobs like mining, embroidering, weaving, roadside selling, cleaning in offices and homes, and as helpers in a construction project. The meaningful education, training opportunities, and learning process that would otherwise help them be better citizens are all deprived of, leaving them with empty-hands. All this directly hampers their well-being in terms of their physical, emotional, and mental development.

    As per the research and studies by the Indian Government it is revealed that the current figure related to the child labor issue is around 90 million but sadly the unofficial figure exceeds 100 million. With such a high figure of child labor in the country, isnt India highly corrupted? Dont these children have the right to education and a stress free childhood? If yes then why are they being deprived of the basic needs and joys of life?

    Its high time that everyone should march ahead with the Indian Government to combat the issue. Till date there are various measures and acts taken against this serious problem in the country. In the year 2006 the government introduced a law that banned child labor for domestic purposes. Even before that various efforts were taken and many laws were established like the 1986 Child Labor Prohibition and Regulation Act that was further revised in 1989. Despite of all these attempts and efforts, the government is still not able to eradicate this problem from the roots. Infact the present day situation reveals that India remains the worlds worst offender in the arena as a number of children across the country are living a pathetic and distressing life. Even then the government statistics reveal that India is losing the battle against child labor. Is it so? Is India really losing this battle and snatching the right to a stress-free childhood from millions of children of the country?

    The major determinants of child labor are poverty, illiteracy, unemployment, and slow enforcement of the law. These factors have actually given a back seat to all the efforts and measures government is taking to combat the issue. Keeping into consideration the determining factors, government has to take strict actions against child labor or else human life in the country will become worst with every passing year. Strong will and stern determination on the part of law enforcement should be compounded with strict measures and compulsory education for all to ensure a crime-free India.

  • July 24, 2017 /  Child & Parents
    meeting

    President Barack Obama has come out with a new program that allows single mothers to go back to school. The maximum grant available was just raised to over five thousand dollars. These are more like grants; these do not need to be repaid like normal student loans. Many single moms out there can’t get a good education because they are stuck raising a child and getting a low paying job. This program can help them get the education they need to get a better job and rise up the corporate ladder.
    Online degrees are a great option for moms who have to stay at home and take care of their child. Online degrees offer moms a way to go to college but at their own pace. Some people are faster learners than others, but others don’t have time to commit hours at a time to their schooling. Online schooling lets you do it in pieces and in multiple shifts. Some online degrees are accelerated if you can spend time, and you can end up getting an associates or even bachelors in a shorter time than traditional colleges. Online degrees also offer up just about any degree you are looking for. Online degrees are still taught by experienced professors, and some people like the anonymity that the online environment gives. If you have ever been in a class setting, you know there are a bunch of shy people who don’t want to talk, but can easily open up on the computer.
    Obama’s program for moms allows them to do this, and they can do this easily with the extra money they will be getting. This nineteen billion dollar program will put more people in college and increase jobs in the future. The application is very easy to fill out, but be warned. If you make a mistake on the application anywhere, you will be rejected.
    There are many scams on the internet, and of course, there are people trying to scam you into giving your information to a website and in return they will give you your scholarship. Sadly, this will not work, and many things can arise from this such as identity theft or someone using your credit cards. This program has no fees, many scholarship programs scams will offer fees and are a usual negative signal.

  • July 23, 2017 /  Child & Parents
    Light bulbs in a row with one being on, large group of people with a few moving to the light.

    There are now many ways in which taking care of our babies can reflect our concern for saving the planet. Organic baby products abound and they are every bit as good – if not better – than traditional products. The most expensive thing as far as ongoing expense is concerned would have to be the disposable nappy. While using these may save the busy mother time and effort, they certainly mount up in landfill and take a very long time to degrade.

    The discerning mother who has the time will find that terry towelling nappies are a great deal less expensive and last for two or three babies. The mess can be dealt with more easily by using nappy liners, something our grandmothers had to do without. If fabric nappies are not an option, then washable bamboo nappies can be purchased.

    These use the technology of man-made fabric on the outer part, while the inner core is made from bamboo products – as soft as silk and much more absorbent than ordinary disposables. They are more expensive than disposables, but being able to reuse them offsets this. And the extra absorbency means that not as many have to be used over the same time frame.

    Organic baby clothing such as singlets, jackets, bootees and nearly everything else a baby could need can also be purchased made from bamboo, hemp or silk – all natural fibres. Wool and cotton are two of the most used baby clothing fibres. Bed linen such as cot sheets, pillows, and blankets can all be made of natural fabrics. A baby’s skin is very soft and delicate, so using organic baby products ensures that there is nothing to irritate or harm it in any way.

    Then there are the many different cleaners that you need to use for babies and their clothing. Sometimes bleach is necessary to get out those stubborn stains, so you need to use some that is safe for the environment. Bleach that is free of chlorine, dyes and fragrances is available for those who want to do their bit to reduce toxic waste and keep our planet healthy. Laundry detergent that is kind to the environment can also be used.

    Once parents start to think in terms of lowering the amount of toxic wastes that go into our waterways, they will see the value of paying a little extra to help the environment become – and remain – pure and clean.

    Mel also writes about a renewable energy and sustainable living for people passionate about the environment and looking for new ways to minimize their carbon footprint