19 Oct

Why Is The Mothers Necklace So Popular Today

There is nothing more special in a womans life then the day she becomes a mother. All the amazing days that follow with her child are priceless gifts. Speaking of gifts, what do you get the mother of your children for special occasions? No matter if it is her first Mothers Day or her 50th, a mothers necklace is a perfect choice that is sure to warm her heart.

What is a Mothers Necklace Exactly?

It is a necklace that is designed with mothers in mind, which means it focuses on her, her life, and her children. One example of a traditional necklace worn by mothers is the locket. A locket is a necklace charm which opens to reveal pictures, locks of hair and other tiny sentimental items that are tucked safely inside and worn near the heart. These necklaces are often engraved with names, and even birthdates of children.

Another mothers necklace that is very popular is the birthstone necklace. This can be in the shape of a heart, circle, key or other simple image and can be in silver, gold, or other precious metals. What makes them so unique is dangling from these pendants are small birthstones representing the months that children were born in. First you add moms birthstone, and you can also add dads, then follow it up by birthstones for your child or children. This is unique because every necklace will be different with unique stones based on birthdays, such as January in garnet, February in amethyst, March in aquamarine, April in diamond, and so on. This makes not only for a sweet representation of the family, but also a very beautiful necklace too!

Some Great Ideas in Necklaces for Mom

There are lots of other popular mothers necklace choices, meaning there is a necklace style out there for every mother! Another popular choice is a necklace pendant in the shape of the word mother with a small dangling heart that has childrens names engraved on it. Another option is an elegant cameo featuring a mother holding a precious baby with the names and birthdays on the back. If the mother is still expecting, Its a Boy or Its a Girl necklaces are charming gifts.

These are but a few examples of what a mothers necklace can be. Jewelry is always a wonderful gift, but add a touch of sentimental sweetness by including a mothers dear children and it will become her favorite necklace of them all.

18 Oct

American Single Mothers Are Eligible For Obama’s $10,000 Scholarship Educational Plan This Year

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.

17 Oct

The Importance Of Giving Children An Allowance At An Early Age

There are many parents nowadays who start to provide their children with an allowance at an early age. This can be considered as a good practice as children would be aware about the good spending of money and at the same time grasp important saving habits. Nurturing children with such habits could be yet another factor to enhance their development trends.

As soon as children become around 6 years old, they may be ready to accept the idea of receiving the allowance and being responsible for it. Normally, at this age, children may not fully know about how to spend their money. As a result, a few bad decisions may crop but these are understood to be part of the learning phase. At a tender age, children are completely innocent and therefore have no maturity at all. Good handling of their allowance can be a bit difficult for them, initially. But during the course of time children can get used to spending, hence keeping a balance between spending and saving.

Moreover, giving children the opportunity to handle money since the young age can be a definite advantage. As said, children make mistakes spending at a young age. There are so many adults nowadays that have fallen into immense debts due to bad spending habits. If they had learnt about saving their money when they were children, chances are that they may not have been in their current situation. Children who take a good habit since they were young can keep this habit for a lifetime. For instance, children who have learnt about brushing their teeth everyday before going to sleep may keep this habit for a long time to come.

Furthermore, the allowance that children get may differ from one parent to another. Some parents can give their children allowance depending upon the chores they do. Here, again, parents may be helping their children to know about the importance of work. That is, you have to work to earn the money. In other cases, parents prefer to give their children an allowance based on their grades or age among others. On the other hand, some parents choose to give their children the money when they need it. In such a circumstance, it could be better to make a schedule. A good idea would be to provide children with an allowance at least once a week.

With this done, children would know about their spending limits. Children would as well be aware about their spending power, so may not want to buy too many things. This will get them ready to face life when they become adults, especially when they start to work. With already an experience about the good handling of money when they were children, such adults may rarely struggle financially. Therefore, it is recommended that parents nurture their children with such habits at an early age. There is no better way of living than being financially secure and free of debts.

17 Oct

What Elements Make Up A Good Childrens Book

With so many children’s books to choose from, it can feel overwhelming to head to the bookstore or pay a visit to the library. To make reading more enjoyable and educational, it is important to look for the elements that are usually found in the very best children’s books. By learning what makes a good childrens book, you can know how to select them for your own child in order to maximize their benefit and enjoyment of their reading experience.

Depending on the target age range and reading level, many books for younger children or middle school children feature illustrations. Especially for children who cannot yet read independently, the illustrations are not just fun to look at, they also help the child understand the story. Look for books with interesting, distinctive pictures that capture your child’s attention and spark the imagination. For some children, this may be realistic watercolors, while others may prefer stylized cartoons. Exposing your child to new artistic styles can also help expand his or her horizons. Children can learn to interpret scenes and understand emotions or relationships by viewing these illustrations.

The best children’s books feature strong, interesting writing. Instead of condescending to kids or being geared towards adult tastes, these books show that the author has experience with the types of language and stories that children truly respond to. If the book tackles serious subjects, it should do so in a respectful and age appropriate way. The vocabulary is varied enough for children to learn some new words, but also familiar enough to help them feel confident. Overburdening children with unfamiliar vocabulary can cause them to disengage from the story and may turn them off of reading completely.

A good children’s book will tell an interesting story. Kids respond well to plots that move along at a good pace and keep the reader guessing. The characters should be easy to relate to, whether they are funny, smart, goofy, or thoughtful. This is especially true of the main character. When a child can see aspects of himself or herself in a protagonist, it makes the book more engaging.

If the book has a message or moral, it should be subtle and not overly forceful or preachy. The moral or lesson should emerge naturally from the plot and character interactions. To ensure that a book contains appropriate moral content, parents should read the entire book before giving it to their children. Doing this will ensure that the book meets the parents standards and ideals that they want their children to learn.

Some parents may prefer to choose books that have won awards and honors, or books known as classics. While these can definitely be good guidelines, you should also feel free to explore new or lesser known books, exposing your child to the wide, varied world of literature. There are many good books out there but there are many more bad ones, so choose carefully and your children will thank you.

16 Oct

Housing for single mothers

Sometimes It is hard to find housing for single mothers. The housing should be affordable. Most bigger towns often do not have affordable housing. A single mother looking for housing must also take into account commuting distance to her job. If the housing found makes the commute too far to be feasible, or increases the cost of the commute by an unreasonable amount, then, no matter what the rent, the housing really cannot be said to be affordable. Housing for single mothers must also be close to daycare.

HUD and local Housing Authorities can help with housing for single mothers. Unfortunately, there are waiting lists for public housing and the lists are often closed when they get so long that there is no chance of filling them within a reasonable amount of time. Depending on the mothers income, it may well be worth getting on a waiting list for public housing. The average cost of public housing is 30% of the mothers income. This equates to less than $500 per month for a single mother making $10.00 per hour. However, with a set fee like this, if the mothers income goes up, her rent will also go up. A single mother making $15.00 per hour would pay $720 per month for the same apartment that costs less than $500 a month for a woman making $10.00 per hour.

Many single mothers looking for housing try to find a place near their family, so that they can have their familys support. In order to afford housing near their families, they will often rent one-bedroom, or studio apartments, instead of the two or three bedroom apartments that the family needs.

Housing for single mothers is not just a question of a roof over the familys head. The family needs furniture and laundry facilities, phone service and utilities. If the family qualifies for public housing for single mothers, they often qualify for assistance on their utilities bills. If the family finds non-public housing, the mother will need to put down deposits and pay connection fees for gas, electricity and, sometimes, water. Many times the single mother will have to do without telephone service.

15 Oct

Why Playing Math Games is Good for Children

It is important that children develop an interest in math earlier on during the pre-kindergarten. If the child is interested and likes the subject, there are high chances that he or she will retain that interest during later stages of schooling which is a great advantage. Even if the child does not seem interested in math at the present moment, you can develop that interest by providing a little extra guidance and help.

One way of getting the kid interested in math is by introducing them to math games.

Kids love playing games more so if the games are interesting. There are plenty of math games available online that teach kids fundamental mathematical functions such as addition, subtraction, multiplication and division among others. By playing these math games, kids will be able to develop an early interest in math and within no short time their performance in the subject will improve. Since most students consider math to be a difficult subject, those who have mastered and find the subject fun will be encouraged to perform well in other subjects.

Playing well designed math games especially those available online help improve childrens problem solving skills. By learning the games, kids will have their own ideas of solving problems and as they get more into the game they will have confidence in making their own decisions. It is very essential for kids to learn solving problems at an early age. This skill will not only help the child in math and other subjects, but will prove crucial in later stages of life.

Introducing math games to children at a very early age allows them to be familiar with the subject. Through playing math game, children will discover that math is after all not intimidating as they previously thought. Parents can introduce counting games as soon as the child starts to engage other members of the family. As they grow older, they can then be introduced to more advanced math games.

Since the math games involve more than one person, the child will be able to develop social skills. Playing the games with others improves the way they perceive team work and will be more inclined to participate in teams in future. The kids learn to solve specific problems in a team setting. The math games also help the student learn ways of motivating and positively interacting with other students. Since there is no exam at the end of the game, students will feel more relax and have a better understanding of mathematical problems.

15 Oct

Maximise Savings for Your Children’s Future With the Newly Launched Junior Savings Account or JISA

In an uncertain economic climate, financial planning is more important than ever and for anyone with a family, saving for the future has become a top priority. Giving your children a solid financial base insures they have the best possible start in life, whether they want to pay for driving lessons, embark on a course of higher education or choose another path.

Individual Savings Accounts (ISAs) are excellent ways of accumulating tax-free interest on your money but age restrictions limit their availability: cash ISAs are limited to the over 16s, stocks and share ISAs to the over 18s. However, recent changes in legislation have seen the introduction of the Junior ISA (JISA): a savings and investment scheme designed for the under 16s.

Who is eligible?

The Junior ISA was introduced on the 1st November, 2011. Designed to replace the older Child Trust Funds, those eligible for the JISA are:

Children born on or after 3rd January, 2011

Under-18s born before September, 2002

Any child not qualifying for a Child Trust Fund, born between 1st September 2002 and 3rd January 2011.

Each account requires a single registered contact, usually a parent, or person with parental responsibility, who maintains the JISA on behalf of the child.

Unfortunately, children who already have a Child Trust Fund are not eligible for a Junior ISA (this restriction may change in the future, allowing funds to be transferred from the CTF).

How does the JISA work?

The Junior ISA subscription limit is 3,600, which means contributions to the account cannot exceed this amount per year (from 2013, the limit will increase to take inflation into account). Anyone can contribute to the account and neither you nor your child will be taxed on the interest it generates.

The contents of the JISA will not be available to the beneficiary child until he or she turns 18. At this point, the JISA will be converted into an adult ISA – or, alternatively, your child can withdraw the money to use for whatever purposes they have in mind.

In much the same way as adult ISAs, the JISA falls into two categories:

Cash JISAs work in the same way as a savings account at a bank or building society. Money paid in grows as tax-free interest is added to it.

Stocks and shares JISAs involve money invested on the stock market in shares and bonds. While gains may be significant, there is the added risk that their value may drop.

While a child is restricted to one cash and one stocks and shares JISA, any combination of funds, within the subscription limit, can be used across accounts.

Although JISAs have a lower subscription limit than adult ISAs (which currently stand at 10,680), they can generate can deliver substantial returns. A 300 per month investment over 18 years would grow to 114,876, assuming a 6% annual return. It’s worth remembering however, like adult ISAs, the value of potential return can fall and it’s important to monitor any savings regularly.

14 Oct

Many Donors Now Opting For Child Sponsorship

No matter how poor some families are in the UK, their plight pales by comparison with that of so many in under-developed countries where even basics like food, water and healthcare cannot be taken for granted. This is why so many people are moved to donate a little of what they have to try and alleviate the situation. It is easy to just give up and ask yourself what difference you can make to such a massive problem but, by combining your efforts with those of millions of like-minded donors around the world, you are steadily helping to win the war on poverty and extreme deprivation.

Of course, there are still millions living in dire conditions but the number is falling all the time as the relentless work of charities based in the developed world gradually begins to bear fruit. Increasingly it looks as though many people are turning to the idea of child sponsorship as the most effective and mutually fulfilling way of contributing to this effort. Putting money into collecting tins on flag days is not a very personal way of going about things and there is always that doubt as to how much actually finds its way to the coal face.

The great benefit of supporting one of the child sponsorship charities is that you will be actually able to see the difference your support makes at first hand. Sponsorship allows you to connect with a specific child in need and make a profound difference to that child’s life, family and community. Your sponsored child will know your name, write to you and receive benefits like clean water, nutritious food, healthcare and educational opportunities. Just as important is the boost a child receives knowing that he or she has a sponsor from another country who really cares. As the years go by, donors will see from photographs and regular correspondence exactly how they have, quite simply, made a childs life so much better.

Sponsored children tend to keep and treasure the cards and letters they have received from their sponsors. Many of them relate how they often pray for their sponsors and thank God for the blessings their families have received because of this generosity from a foreign land.

Experienced child sponsorship charities have found that, by and large, while each child is individually sponsored, it is better that actual donations are pooled with those of other sponsors to achieve something that provides sustainable benefits to the whole community. That way, no-one feels left out and there is no resentment. The underlying aim of the whole child sponsorship movement is to help children in poorer countries stand on their own two feet so that they, in turn, will one day be sufficiently skilled to provide their own assistance to the community.

14 Oct

A Brief Overview Of Baby Acne

Small babies may develop acne because of the lingering maternal hormones after delivery, which may cause stimulation to the baby’s sebaceous glands. Your baby receives these hormones from the placenta, after the delivery.

Don’t worry if your baby has pimples. About 20% of the newborn babies are affected by baby acne, also known as acne-neonatorum. .

Let’ know the various aspects of this peculiar type of acne. First things first, the treatment for infantile acne is not the same as that of acne treatment for any other age group.

Infantile acne is gender-biased. Male babies are more affected than their female counterparts. Normally babies have the acne attack at the age of 3 weeks. Some babies have it from the time of delivery. Generally the types of acne you find in infants are papules and pustules. Papules are red bumps and pustules are whiteheads. They have a collection of pus.

Some babies also have acne on the scalp. Acne in babies does not require treatment as such. The lesions will take care of themselves within a period of four months. But do take the normal care of the baby as you would take care of its other body parts.

Use mild baby soap and gently clean the face once in a day with water. Do not try harsher methods by using oil and other lotions which you think are good. They may at times, worsen the condition. Know for certain that infantile acne will disappear when it has to.

In your anxiety to photograph the baby, don’t stuff his/her cheeks with cosmetics and if at all you need to have the touch-ups, do it in an imaginative way.

If you or your family doctor feel that the baby has severe acne, treat it with benzoyl peroxide, keratolytic agents or topical creams like retinoids.

The ways of acne are indeed mysterious. If you have a family history of acne, that doesn’t mean that your baby will have acne. And just because the baby has acne, it doesn’t mean that, it will suffer from the attack of acne, when it grows up. Acne has its own working style and attacking strategy.

Infantile acne, which normally appears after the age of three months in a baby, quietly disappears after the age of 12 months. No special efforts of treatment are required. In some babies, the condition may last up to three years. It is due to the genetic makeup of your baby. You have something to contribute to it, as the hereditary part.

You have nothing to do with the infantile acne, relating to the treatment part. Just observe its arrival and departure. Well, arrival with anxiety and departure with pleasure!

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9 Oct

How To Publish Your Own Childrens Book

When reading books to a child, many moms and dads come up with their own story ideas. The more creative parents may even make up a story for their child on the spot. For parents who dream of one day writing and publishing a children’s book, the current environment is ripe for self-publishing. Writers have many resources at their disposal to make becoming an author a reality. Learning how to publish your own children’s book has never been more possible; thanks to the latest technology.

Main Publishing Options:
Once you have a completed the story and hired an artist to illustrate the book, you then have many options on how to publish your book. You can find a printer to make a hardcover version of your book. Converting a Word documents into a PDF file is easy with many free software programs. You can then sell your children’s book as an eBook or electronic book. Another option is to sell the book through Amazon Kindle. Kindle is an online store that sells eBooks that users can download and read on their computer or mobile device. The most expensive way to self-publish your children’s book is to print hard copies of the book. This can be very costly and you can get stuck with the extra copies if the book doesnt sell. The least expensive is using Kindle.

Deciding on a Price:
Deciding on how to price your book is an important decision. You can make the book the same price as similar books and hope it stand out in the crowd. You can also choose to set the price of the book very low and hope more people will buy it because of the lower price. Be careful though, pricing the book too low will lead potential customers to believe the book is cheap because the content is of low quality. Another option is to do a high price, limited run book. If the book is especially unique or exceptional, pricing it highly will lead people to think of it a rare an more valuable.

Marketing the Book:
Once you have published the book, the only way to sell it is with marketing. While some authors just give copies to friends and family, others want to sell the book to the public. A website is a must for selling eBooks or hard copies of the book. Sending out a press release also alerts the media to your new book. This is an excellent way to get free publicity. There are now virtual book tours. With this marketing method, you give online interviews, submit the book to book review sites and write guest blog posts to bring attention to your website and book.

Publishing your own book is a long process. But, with so much information online on how to publish your own children’s book successfully, the experience will certainly be rewarding, and possibly profitable as well.