Important Tips for Cash Child Trust Funds

Child trust funds are a long-term investment strategy that allows parents, grandparents, friends, and virtually any interested adult, to ensure that a child is well equipped for a productive adult life. Three types of child trust funds are (1) cash (2) stakeholder (3) share-based.

Cash child trust funds carry the least amount of risk to the investment. They are equivalent to a savings account. One advantage is that the interest is tax-free. Investing in cash CTF is the ideal scenario for those investors who realize the importance of saving for their child’s future, yet do not want to utilize the stock market for such investment.

A Stakeholder child trust fund takes on somewhat of a higher investment risk than cash CTF, but usually earns a higher return. There are restrictions on stakeholder child trust fund to ensure that money is diversified. In addition, when the child is 13 years old, the investment is typically shifted to lower risk markets to ensure that the end of the CTF lifecycle will be rather stable.

A share-based CTF permits higher returns, but it incurs charges to manage such fund. Meaning that one can typically earn higher rates of returns because the investment is placed in riskier funds, but in order to shift the investment between funds, one must pay to have the CTF managed. Thus, a profit will not be realized until one deducts the appropriate charges that will be assessed. The share-based CTFs give investors two options upon opening the CTF. One option is to choose a couple of funds and shift the investment between the two at the investors’ leisure. The other option is to choose from an unrestricted list of funds, and shift the investment accordingly.

The following useful tips can be applied towards either type of CTF:

In cash CTFs, monitor the interest rate. Make sure you are receiving the most competitive interest rate as possible.
Keep in mind that any contributions to a CTF cannot be withdrawn until the child turns 18, and at that time, the child himself can only withdraw it.
Be aware of up-front charges when opening a stakeholder CTF and share-based CTF.
Remind friends and family members that they are able to contribute to a CTF
Understand the risks before deciding against a cash CTF
Start early. If one starts to invest early in a child’s life, and chooses a stable fund, the long-term benefit will be realized.
Be a savvy investor. Research, and study your options. Evaluate your particular situation i.e. realistic monthly contributions, etc., and make an educated decision based on that information.

Can Multiple Sclerosis Patient, Parent A Child

In the past when a woman is diagnosed with multiple sclerosis, the physician will counsel against setting up a family. But the advance of science and medications as well as better acceptance of multiple sclerosis let many in the medical profession to acknowledge that a person with the illness can bear children and deal with the debilitating disease.

Even with multiple sclerosis, you raise more than one child but for that, it is necessary to take a inner look at yourself and how you are coping with multiple sclerosis. There is definitely a necessity to prepare well and sort out your life to deal with the growth and health of the children.

Dont take it as a challenge all by yourself as raising a family can be trying even for parents without multiple sclerosis. Planning your time wisely is important and as looking after children can be draining, tries to ration your energy so that you can experience the day without feeling worn out. When you are energetic, allot some time to play with your children but at other times, when you feel tired, have quiet activities with your child.

Children are very observant and when the time is right, explain to them your condition as they are young and very receptive. As multiple sclerosis set in, at times there is a need to enlighten your children that you need time to deal with it and may affect whatever plans you have with them. Activities can be postponed but seek their acceptance and perhaps set aside the time for other more sedate activities such as reading, etc. When you take the opportunity to explain to your child, it can be helpful and not lead to misunderstanding.

Multiple sclerosis needs not be a disabling as there are still many things you can do as long as you learn to prioritize. Your time with your children is very precious and for other tasks that can be put aside to a later date, learns to do it and spend your time wisely. Allocate your time to run errands and other essential tasks but do not overexert. When you are occupied with energy sapping task, do a simpler and less energy draining one next so that you can conserve and not excessively fatigued.

Always instill in your child the need to be thoughtful and accepting of those with disabilities. Children with multiple sclerosis parents tend to grow up to be more responsible, loving and caring adults.

Financial help for the single mothers.

Being a single mother is the toughest job in this world. They need to plan out their financial situation ahead of time to protect themselves from facing the financial ruins. To help these single moms at the times of financial difficulties, the government has implemented many programs to provide all possible financial assistance.

Every single mother is forced to perform the role of both a mother and a father as well. And therefore her situation is harder than the two parent family and especially for the ladies who neither hold good education nor have sufficient finance for housing. So in such cases going through the financial help forums online can provide them a lot of information on government help for single mothers, credit and debit advice, budgeting and saving money and lots more to ease their pressure.

Many online resources having articles on single mom support give ideas to the single moms about the importance of health insurance, tips to save money, avoid investment scams and guide to lowering the utility costs. The single mom blog advices the single mothers to stop smoking, bring some changes in lifestyle, invest in supplemental insurance and finally talk with other single mothers to plan up something better for them and their children.

The online financial help forums are loaded with information on government branches and private organizations that has been set up as help for single moms to take the advantage of grants at times of crisis.

As a state assistance program, the grants are given to the single mothers after undergoing a screening process for determining their eligibility. It is usually granted to the single mothers who are willing to pursue higher education and get back on their feet.

There are also many kinds of foundation providing financial help through their scholarship program and also encouraging the women to get out of abusive relationship. There are organizations that are providing assistance for the single mothers by training the struggling mothers to secure a position in the work force and make a respective living wage without taking the support of any government or any welfare program.

Besides the above mentioned grants for women, many single mothers who are primary money earners for their families are recognized with cash awards that boosts them both morally and financially. To make the educational process easier for the struggling single mothers, many colleges and universities are providing grants so that they can afford a computer and enroll themselves for the online classes.

The government assistance programs for the single mothers also include the housing vouchers that provide the housing authority for a fraction of the cost of basic apartment. For more information on financial help for the single mothers, there are online resources specially designed as a support resource to battle the financial problems faced by the struggling single mothers.

Smoking In The Course Of Pregnancy – Hidden Dangers To Your Unborn Child

Many women know that smoking while pregnant puts their unborn child at risk. However, the complete extent of that risk is probably unknown. Woman who smoke while pregnant put their child at risk for a long list of negative consequences. Inhaling second hand smoke can even cause negative effects on your child. It becomes more about protecting your unborn child than just protecting yourself. There are very many safe methods to use to quit smoking, as well as support systems in place even if you are not directly supported at home. Here are only a few of the possible effects smoking while pregnant can have on your child.

The nicotine, tar and carbon monoxide you inhale while smoking are passed on to your baby. Your baby can then develop a full range of lung complications because of the second hand smoke you pass on to your baby. There are quite a few complications that can be caused by lung damage. The effects of those chemicals in the blood stream of your baby can cause the oxygen to bind or displace. This oxygen is not only necessary for life it helps the baby develop correctly. One very common problem caused by a mother smoking during pregnancy is low birth weight in their newborn baby. Then, there are additional complications that can arise from low birth weight. Newborns suffering from low birth weight conditions make up more than 20 percent of all births nationwide. A increased risk for preterm delivery is also attributed to smoking during pregnancy. One study shows a 14% likelihood of preterm delivery caused by smoking. 10 percent of all infant mortality cases including SIDS can be attributed to smoking during pregnancy. According to the American Lung Association this is a true statistic.

While this is a significant side effect there are many others associated with smoking during pregnancy. A few of the other known risks include cerebral palsy, learning disabilities and retardation. The most prevalent and serious risk associated with smoking during pregnancy is infant death.

There is tremendous cause for concern when a mother smokes during pregnancy.

At this time, we don’t completely understand the highly negative effects smoking during pregnancy can have on the baby. We’ve been talking about the consequences for an unborn baby but this issues don’t go away after birth. These far reaching consequences can stay with the child far into adulthood. The effects of the dire consequences of smoking during pregnancy can last the child’s lifetime. Quitting smoking is vital to the baby and the mother for this reason.

These hints can certainly be invaluable for your needs during and after the pregnancy. Anyhow, in the event you one of the ladies who experience difficult to conceive a baby, then check out the advice below.

Georgia mother of 11 claims domestic abuse in divorce case

BURKE COUNTY, GA — Last summer, authorities discovered 11 siblings who had been isolated and maltreated by their parents, raised in a home with no water or electricity and not permitted to attend school. Now, after the imprisonment of the father and the removal of the children from the home, the mother has filed for divorce — and is citing spousal abuse on her husband’s part.

A temporary hearing for the Divorce Law action has been scheduled for March 31.

Christine Long, who has been accused of not providing proper child care, says in her divorce complaint that her husband, Jeremy Long, continually abused her and the children, some of whom allegedly resulted from marital rape. According to Christine Long, Jeremy Long refused to let her leave the family home, resorting to stomping on her feet with boots before he went to work and forbidding her to own a pair of shoes. He supposedly also refused to give his wife access to
prenatal care while she was pregnant.

County investigators took the children away in July. Jeremy Long Georgia Family Lawyer has since been charged with child cruelty and is currently in prison in Burke County.

“Conditions in the home were prison-like,” Christine Long’s divorce lawyer, Jack Long, told WJBF-TV in Augusta, Georgia. “There weren’t enough beds. There was never enough food.” He added: “The situation was so desperate, my client and her children really didn’t have any options, other than to stay.

“We can easily define this as torture in a very basic sense,” Jack Long told the station.

Since authorities rescued the Long children from their home ordeals, the First Wayne Baptist Church in Waynesboro have helped Christine Long recover. “The woman is in such shock,” Al Wright, the church’s pastor, explained about women in abusive situations in an interview with WJBF. “So she doesn’t know what to do. Then again, when children come along, she really gets trapped.” He added that every woman in such a situation should get herself and the children out of it as soon as possible: “She owes that to herself and her family. You don’t have to stay in that situation of abuse.

“There is a better life for you,” said Pastor Wright

Jeff Cotrill is the staff writer of Divorce Magazine and www.DivorceMagazine.com which offers information on Georgia Divorce,ga divorce, divorce in georgia, divorce in ga, georgia family law

Baby Swimming Classes A Gentle Way To Teach Babies And Toddlers

Many parents want to enroll their babies in swimming classes to teach them survival skills. In the past, these swimming sessions used to be filled with screams, tears, threats and other aggressive methods of teaching. Today, there are many swimming classes specifically designed for the babies and toddlers to learn swimming in a friendly, holistic, child-centric and age-appropriate manner. Using these methods, swimming instructors are ensuring that children are safe and happy and also develop a lifetime love for water.

Family friendly swim lessons for the baby

These child-centered baby swimming classes are structured to be family friendly. Parents are often encouraged to get into the pool to reduce the babys anxiety. The mother or father is also encouraged to act as the co-teacher along with the babys swim instructor. Many toddlers eagerly take to the water after watching their parents and siblings along with the friendly instructors in the water.

Interactive Tools for making the most of the swim lessons

Just like modern education methods include colorful toys, interactive games and other educational objects; these baby swimming classes also include stimulating learning environment in the form of colorful objects, songs, games etc. Such tools provide an encouraging learning environment for the child.

Swim lesson DVDs

Many swim lesson DVDs are available in the market today, using which parents can encourage and prepare their toddlers or babies for their swimming classes. Seeing the happy faces of toddlers and kids on the DVDs is an encouragement to the new students. These DVDs can reduce the fear factor associated with the swim lesson.

Drown proofing your baby with help of the swim lessons

Of most importance are the safety skills that babies learn from these swimming classes. Whereas in the past aggressive methods were used to teach these necessary survival techniques to the babies, today the same techniques are being taught bearing in mind the childs emotional and physical well being. Depending on the childs age, these gentle swimming classes can teach all the necessary skills for saving the childs life in case he/she accidentally falls in the family pool. Children who have been through such infancy swimming programs can swim back to the side of the pool with ease and confidence.

Here are more reasons to teach baby swimming lessons to your baby

Younger the baby, easier it is adapt to water
Fear of water grows in older children
It is a great form of exercise for the baby. It encourages fine motor skill development
It is a great form of cardiovascular exercise and encourages babies appetite and sleep.
It is good for their self esteem and self confidence.

As can be seen, there are multiple benefits of baby swimming classes and it is important that parents enroll their babies and toddlers for these lessons.

Single Parent Dating Selecting The Right Site Is The Key

There are many dating sites created exclusively for single parents. Theses single parent dating sites are popular with single parent. These sites cater to the specific needs of single mothers and fathers. They would meet and interact with other people who are sailing in the same boat. They would share each other’s perception on issues related to raising children single handedly without the help of spouse. It is well-known fact that dating for single parent is not very easy and the reason is very simple to understand. One has to take time out of the responsibilities that as a single parent one has to perform.

There is no denying the fact that single parent dating sites are all over the place. But now the question is how to select the right one. The best way is to read the dating websites reviews and then form an opinion. The reviews would guide a person in choosing the right site because the information one requires for assessing something would be provided by those reviews. Once the information is readily available, it becomes very easy for a person to judge the credibility and acceptability of a site. While providing information to the site, take all necessary precautions to ensure that the information provided by you is not misused.

Life is very difficult for a single parent. One has to do what in normal circumstance two individuals do collectively for their child. A single parent has to look after the personal needs of the child as well as his/ her academic needs. The single parent is heavily with responsibility and there is no one around with whom one can share one’s problem or discuss ways and means of coping with the stress that problem generates. A child’s needs are many. He/she depends on his friends and teachers for the fulfillment of his/her needs, but there are some needs which can be fulfilled at home only.

Here are few tips for single parent dating. Choosing the right person is not as easy as it sounds. One has to be very cautious while sharing one’s problems. It is better if a person whose child also goes the same school or class is chosen for sharing of perceptions. Two individuals whose children go to the same school or class will be on the same wavelength. It is better if you can shade your past and don’t let it cast its shadow on the new relationship you are going to have. Learn from your past mistakes and act accordingly when you meet someone. By the way casual dating sites are also there.

single parent dating – Dating as a Single Parent – LoveStore4u.com. Being a single parent can be a trying task without the support of a spouse or significant other to back you up, a give you a leg up, in times of emotional strife or need.