31 May

Watch your child climb the ladder of success with Heritage Education Funds

It is the survival of the fittest that matters in any walk of life. In the world that we live in today, there is intense competition for securing jobs. In such a scenario, it is important for children to successfully pursue higher education, in order to be placed in a well paid job. For this very reason, opting for Registered Educational Saving Plan (RESP) is an excellent choice which you must consider.

RESP involves making an investment for a specified period with an authorized RESP provider. Your RESP fund will be used for low-risk investments so that you get the maximum returns with minimal market risks. RESP reaches maturity when your child is ready for their higher education. During the RESP plan, you will not only get a tax-saving benefit but once you opt for payout, the tax has to be paid on that is paltry. You get the dual benefit of making a safe investment as well as securing your child’s future.

Heritage Education Funds provides a wide variety of customizable options for RESP. They have been in this field for over fifty years. With over $600 million in payouts, they have managed to reach out to a large number of parents and guardians who have used Heritage RESP to successfully fund their children’s higher education within Canada, and even for children who have opted for higher studies abroad. They invest in secure federal bonds and other investments that are backed up by the federal or municipal governments or those with principal guarantees to maximize your returns.

The cost of living has increased, inflation is higher and whether you are the guardian of a teen or a newborn, the earlier you invest in a plan like RESP, the more beneficial it would be for the future of your child when it comes to education. Through Heritage Education Funds, your child can be assured of an excellent higher education to any university of their choice and your foresight will see to it that your child scales the heights of success.

About: Heritage RESP Representatives are all the way active to support the needy parents with Heritage Education Funds. Parents can contact representatives of Heritage by simply dialing 1.800.739.2101.

29 May

Effects Of Single Parenting

There is no denying the fact that single parenting is becoming more common today than at any time in the past and this may have to do with more time on the hands of parents, and their better economic situations. As people become financially more independent there is sure to be a corresponding loss of dependence on other people. This trend has extended even into the domain of parenting. However, the effects of single parenting are evidently not as dark and foreboding as one would imagine as the child or children can adjust to their particular situation without any serious and negative effects.

Nevertheless, studies do show a trend that the effects of single parenting can cause children to become maladjusted, and are at greater risk of having social and psychological behavioral problems. Even so, one must remember that the effects of single parenting due to divorce must be separated from those effects resulting from the divorce itself. To lessen the ill effects of single parenting, parents need to behave normally and maturely and thus minimize damage in the minds and hearts of their children. Some of the common effects of single parenting that are generally noticed in children include being stressed about finances, feeling isolated and uncared for, and also needing greater amount of support emotionally. It is also not necessary that these effects of single parenting are a direct consequence of divorce because they can also percolate down from parent to child through the parents behavior.

Probably the biggest scar that is left on the child of single parents is not having a healthy and strong emotional bond with the parent because there is one less parent around with whom to interact with. Single parents may also be busy with their working life and thus with just one parent the effects of single parenting will manifest them in reduced contact with parents, and consequently one less shoulder on which to cry on, or a missing helping hand in times of stress and disturbance.

With one parent around, there is not much security for the child who in any case is most hungry for that very feeling with which to survive and grow strong. However, all is not dark and negative for the child as there is also a silver lining to the dark clouds because one of the positive effects of single parenting is that children can learn to become more independent and self sufficient with just one parent around them. Necessity as they say is the mother of all invention. And, effects of single parenting are not just confined to only the child, but ramifications are felt in the parents as well. Thus, it is necessary that single parents and the child learn to develop stronger bonds and thus not feel the loneliness and despair of missing a vital cog in the family machine.

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28 May

Comparing The Best Child Trust Fund (CTF)

The Government announced earlier this month that the number of children with a Child Trust Fund has reached over 3 million. However, The Economic Secretary to the Treasury, Kitty Ussher, also highlighted that only three-quarters of parents have actively opened their Child Trust Fund accounts.

This means that for the seven-hundred and fifty-thousand children whose parents did not open the Child Trust Fund themselves, the opportunity to gain one year’s worth of interest is lost. In fact, the accumulated loss of interest for all those Funds that have not been opened amounts to an estimated 15 million!

The Child Trust Fund is a long-term savings and investment plan set up by the Government to encourage parents to save for their children’s future. The Child Trust Fund is available to all children born on or after 1 September 2002 . Children will receive an initial 250 in vouchers to open their Child Trust Fund accounts, with a further 250 when they reach seven years of age. In addition to this money, parents, family and friends can contribute up to 1,200 each year into the Fund.

Although opening a Child Trust Fund is relatively straightforward, choosing one can be more difficult. With three types of accounts (cash, stakeholder or shares) available from numerous banks and building societies each with their own offers, terms and conditions and rates, finding the right Child Trust Fund for their children leaves many parents confused. Recent research from The Actuarial Profession has shown that most parents are simply overwhelmed by the huge amount of information they receive. Often, the just need concise information which simplifies and compares the various accounts available.

Currently, there are several websites that compare only Cash Child Trust Funds, but only MyEggNest.com leads the way by providing a comparison table of all three types of Child Trust Funds: Cash, Stakeholders and Equity (or Shares) Child Trust Funds.

MyEggNest.com has an all-inclusive, easy to understand comparisons of all Child Trust Funds provides parents the tools they need to make informed decisions about the best ways to compare Child Trust Funds available or to see how their children’s current Child Trust Fund compares to others on the market.

Joe Luong, Marketing Director for MyEggNest.com said, “Our feedback has shown that many parents are overwhelmed by the multitude of leaflets and fliers from financial bodies available regarding Child Trust Funds. Some even believe it is too much that they don’t even know where to start.”

“What parents of newborns need is clear and concise information explained in simple English on how best to compare their children’s Child Trust Fund. With MyEggNest.com, new parents are able to research everything they want to know about the Child Trust Fund from one reliable source. On one site, they can seek guidance from other parents in the form of a Child Trust Fund discussion forum, look at product reviews and learn how best to compare Child Trust Funds.”

28 May

Tennis Psychology And Tennis Parents Do You Expect Miracles

Do you expect your tennis kid to always perform well or win? Do you have a hard time focusing on what your kids do well on the court instead of focusing on mistakes? I receive many questions from sports parents about their young athletes performance. One question parents ask me: Am I too hard on my young athlete? Yes, most parents are.

Just today, I received an email from a sports parent about his child. He stated, I am sometimes hard on my son and tend to see his weaknesses more then his positive qualities! As a tennis parent myself, I have to agree. I find myself focusing more on the mistakes my child makes in matches instead of the wonderful shots she makes.

I think one reason many tennis parents focus on mistakes and weaknesses is that they know what their kids are capable of in practice and matches. For example, one week your child might play flawlessly winning every match in the tournament. Naturally, our expectations as parents shoot up: My child should be able to perform like this all the time!

I call this the peak performance dilemma. Some athletes judge every performance based on their best performance! They think, If I can play great one time, I should do it all the time. I think tennis parents adopt this same attitude. When our kids dont perform up to their potential, its easier to focus on the mistakes and what they are doing wrong (compared to their best performances).

Whats the solution to this dilemma? First, you want to be careful not to compare every match your athlete plays to his best match. Second, you have force yourself to focus on what your child is doing well in each match, especially after the match on the car ride home. Dont pick apart every mistake your young athlete made in the last match. I suggest to parents that you compliment your player for one or two things she might have done well in the match, before saying anything else.

When you think your child under-performed during a match, giving complements is very hard to do (trust me I know this personally). Try to focus on your players positive qualities. Your kids know what mistakes they made and dont want to be reminded after the match!

27 May

Children’s dentist San Mateo deals with babies!

Problems and health issues have become a part of individual’s life and in most cases they are not to be avoided in most cases. All human beings want to live a life that is free of problems and also happy. A lot of people suffer from dental problems, gum diseases and many more and becomes essential to visit a dentist for treatments so that no major problems arise in future. Children’s dentist San Mateo offers services that are just for children and treat problems with expertise advanced treatment methods. A dentist holds basic dentistry knowledge but a few specialise in children’s dentistry problems and their treatments. In fact parents should make it a point to take their children to a dentist who can involve in maintaining a child’s oral hygiene and keeping healthy. The present oral problems are nowadays treated using the most finely and advance non painful methods and children would love to go back to the dentist for check up.

Adults visit general dentists for numerous reasons but children are supposed to be taken to a pedaitric dentist right from the inception of milk teeth. Children develop wrong formation of teeth and they turn yellow because of wrong eating habits in children and many more reasons. However a pediatric dentist will definitely be able to treat children with their knowledge and methods. In San Mateo children will love to go back for a dental check up because dentists are gregarious and friendly and they will do everything to make a kid comfortable and happy after the treatment. Children need treatments and for that they are mentally prepared for it by a dentist. Dentist’s role plays an important role because nobody can persuade a child to get teeth corrected other than the dentist himself.

Babies and toddlers tooth formation begins right from the seventh month and the most important factor is a pregnant mother should always make it a point to get a check up done because the mother’s cavity can affect the foetus. Bottle feeding time also involves number of problems and growth of bacteria in the mouth. Therefore a pediatric children’s dentist san mateo will do a check up and diagnose the problem and treat using the advanced methods. Children will not be given any painful dental procedures and the problems will also get fixed at the earliest. Calcium is important for a healthy formation in children.

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26 May

Reasons why Children Should be Encouraged to Read More

The truth is that reading is dying out. Most people spend their free time watching television and surfing the internet. The one who suffers is reading. It is more difficult to pick up a book than it is to switch on the television and watch a mindless show. However, the truth is that reading has more benefits than people acknowledge. And that is why it is important to encourage our children to read more. Here are the reasons: >

a.It improves the vocabulary. Childhood is the time when children pick up words the most. It is the time when they learn to read and write. So when children are encouraged to read, the chances of them picking up new words increases.

b.The next reason why children should read more of Star Wars and the Old Star Wars is because it develops their imagination. Imagination is something that holds its stead when things get bad. At every point of life, it is imagination for the better that helps people succeed. So when children are encouraged to read books like Star Wars and the Old Star Wars, they can develop a fertile imagination.

c.Another reason why people should encourage their kids to read more would be to give them something to do other than watching television or playing computer games. Too much television and computers is not only robbing the new generation of actually playing, it is also keeping them away from reading. Too much television and computer also corrupts the young mind. So give your children the pleasure of reading and see them develop a new hobby.

d.Children should be encouraged to read because reading gives them the ability spend time alone. Most children find it difficult to spend time alone because they don’t know what to do with it. They are listless and are found to do lots of stuff they are not supposed to do. When you encourage children to read, you give them an occupation that will help them never feel lonely in their lives. That is definitely a good thing.

It is really not tough to encourage children to read more. There are many ways in which to do so. The idea is to help children see how great reading is and you will soon see them lapping up books. Select good books which you know they are going to like and let them enjoy!

Author Bio:
The author is someone who loves both The Old Star Wars and the Star Wars books. He believes that children today read too little and that needs to change. For more information please visit

25 May

Top Three Tips That Can Help You Get Pregnant Fast

The path to getting pregnant can be easy to a lot of people. If you find it difficult to get pregnant you are not alone. A lot of people are also in the same situation as you are.

Here are some of the obvious ways you can get pregnant fast:

1. Avoid smoking, alcohol, and caffeine as much as possible.

2. Keep yourself in shape – exercise and diet should be a priority.

3. Stress management should be observed.

Here are the things that may not be too obvious to you.

When to have sex you really need to keep track of your ovulation period. There are days when you are much more fertile than usual so take advantage of this.

1. You have to keep track of the days you are most fertile. Keep a diary of your period.

2. Use BBT or Basal Body Temperature. The higher your vagina’s temperature, the more fertile you are that day.

3. Check your cervical mucus. If your cervical mucus is thin then you are ovulating that day.

Assume the position

This is a very controversial technique. Some people claim that when you have sexual intercourse using the missionary position, you tend to close a little gap between the sperm and the ovum or egg. This will fertilize the egg faster.

Relax and just lie down after sex

Some women want to walk around or stand up after sex. This is not ideal if you want to get pregnant because it will make it harder for the sperm to travel inside the body. You should just relax and lie down after sex so that you can facilitate the sperm travel time.

No matter what you try and what you do, you should always consult your doctor. Your doctor and science based medicine is still the best thing that can help you get pregnant fast.

If you are ready to get pregnant and looking for help, check out more tips at Best Position To Get Pregnant. Discover all the tips for getting pregnant fast at my blog.

25 May

Diet for Pregnant Women

In order to maintain health of yourself and your baby during pregnancy, it is imperative that you maintain a healthy diet. If you monitor your health in your pregnancy week by week, it would help you tide over the 9 months without any major complications.

You need to have foods rich in vitamins, minerals, proteins, carbohydrates and calcium when pregnant. Only then would you be able to ensure that your pregnancy diet is a healthy one. You should increase your intake of calories but that needs to be based on what constitutes a healthy diet for pregnancy. By this it is meant that you need to keep in mind the various components of the food that you need to include in your diet so that your intake during pregnancy is healthy.

A healthy pregnancy diet should include:

1. Proteins – Take 60 grams of protein on a daily basis. This would ensure that the health of the expecting mother and growing baby is maintained. Mother needs protein for development of placenta and amniotic fluid while baby’s cell growth is also dependent on it. Protein rich foods and those that give health are low fat cheese, milk, nuts, lentils, brown rice, flaxseeds, oatmeal and wheat bread made from whole wheat.

2. Calcium – The richest source of calcium should not be a surprise for you. It is milk and dairy products. Calcium is depleted during pregnancy in women and they need to get it back through food. They also need to ensure that their baby’s bones develop well.

3. Foliate – Spinach, turnip, collard green and kale are some vegetables that are rich in foliate. It is very important nutrient for pregnant women as it helps in blood and protein development and also helps to bring down the chances of neural tube defects.

4. Iron – Women commonly suffer from anaemia during pregnancy. That is why they need to take foods rich in this nutrient. They need iron not only for themselves but also for proper development of the growing baby. Broccoli, nuts, asparagus, fruits such as apple, guava and pomegranate are some foods rich in iron and should form a part of the daily diet of pregnancy diet women.

5. Anti-Oxidants – You should have a lot of anti oxidants to prevent against diseases by boosting your immunity. Four to six servings of vegetables every day would serve to meet your demands of the need for anti oxidants.

Rinki rawat is providing information in the article about pregnancy diet and how to get pregnant. If you want more information on Pregnancy week by week visit our health care website.

24 May

Pre-term Birth Complications – How Kangaroo Mother Care Can Help

Complications arising from pre-term birth are a direct cause of about 29% of new born deaths globally. Most preemies are born between 33 and 37 weeks. In order to survive, a very high level of care has to be provided to the infants. This care must pay close attention to feeding, warmth, early detection of problems and infections and, jaundice. Kangaroo Mother Care (KMC) is an important part of this care. Premature birth is a risk factor for poor outcomes if babies are not given the range of care and support that they may need, and in some cases what has made the difference has been KMC.

Children born before 33 weeks and weighing less than 1.5 kilos are at the greatest risk. They can suffer from breathing problems however still may be able to feed well and self latch for breastfeeding during KMC. A low birth weight is any weight that is less than 2.5 kilos. It can be caused by a pre-term birth or retarded growth in full-term babies. There is no miracle answer to prevent low birth weight and pre-term births however you know as a Mom that you can do Kangaroo Mother Care with your baby to help them grow and develop. Research shows that providing Kangaroo Mother Care to pre-term and/or low birth weight infants greatly reduces newborn deaths.

KMC involves caring for low birth weight, especially pre-term, babies by strapping them to the mother’s chest skin-to-skin. The child is held in an upright position. During KMC care, the baby’s heart rate and oxygen levels become more stable since they are calmer and have lower levels of stress. Three randomized trials suggested a 51% reduction in mortality rate when Kangaroo Mother Care has been practiced with pre term babies.

The beauty about Kangaroo Mother Care is that it is simple, and effective. Furthermore, it doesn’t cost anything extra to implement which makes it viable in low income situations. In addition to the obvious mortality benefits, Kangaroo Care provides a loving contact between parent and child which establishes a life long emotional attachment for both.

24 May

Medicare Eligible. Can My Adult Child Stay On My Work Insurance

I am 64 years old. I still work and have my health insurance through my job, but I am thinking about enrolling in Medicare around my 65th birthday, regardless of whether I retire or not. If I do that, can my child stay on my work’s insurance plan? He is 23 years old, and a full time student with a part time job that does not offer health insurance. I am worried about what will happen to him if I go elect Medicare coverage.

The short answer is no. Your child cannot stay on your work health plan if you are not enrolled in the plan. This is very common situation as Health Care Reform has expanded the age of dependents for health insurance purposes.

Prior to the new health insurance law, adult children were generally ineligible to stay on their parent’s plans beyond 19 years old, but Obamacare has changed the age to 26. The effect of this change is that millions of young adults have been able to maintain health insurance coverage through their parent’s health plan. The downside to this is that many parents find themselves eligible for Medicare (click here for Medicare Explained) but unable to participate without leaving their adult children uninsured.

What to do? Your adult children should buy an individual health insurance plan of their own. It was never a great solution for them to be on your health insurance plan to begin with, as we describe in this post. And, effective January 1, 2014, there are even more reasons:

1) There will be premium assistance credit’s available, on a sliding scale, to those who’s income falls within Federal Poverty Levels. This applies to many young adults just starting careers, finishing college and graduate school, or who are unemployed.

2) Individual health insurance plans now offer Affordable healthcare act summary , which drastically improves coverage and the need to pay for health expenses out of pocket.

3) There may be tax implications to your child on your health plan, if they are non-dependent for tax purposes. What is the impact on HSA’s, click here.

Lastly, and this is not a new reason, but it is the best reason: you and your adult child are at different stages of life and have MUCH different health care needs. Your health insurance plan should be different than your child’s health plan for the best, most affordable health care for all of you.