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Friday, August 24, 2007

Parenting Tips

This is a good video taken from Youtube uploaded by virginiaelder who also produces a parenting ezine.

Parenting Tips by virginiaelder

How to Create an Emotional Bond with Your Child

How to Create an Emotional Bond with Your Child

By Anthony Kane, MD

One of the most powerful tools a parents have for raising their children is the natural emotional bond that exists between them and their child. Children who feel close to their parents will have a strong desire to obey them. No child with this type of connection to his parents will want to risk hurting that connection by disobeying them. When such a relationship exists, the mere look of dissatisfaction on the face of a parent will usually be enough to curb inappropriate behavior. This bond is so strong and so potent that it lasts even though adolescence when most of the disciplinary tools at our disposal are ineffective. Often, it is the only tool we have in guiding our teenage children. Parents who do not have such a connection with their children have lost a vital resource necessary for successful parenting.




In addition, this bond is essential for the child's emotional stability. A recent psychology experiment studied people in their forties, whose parent were emotionally distant from them. These people were often depressed and lacked a sense of emotional well being. They had more difficulty in adjusting to the work environment and new social situations.




How do you develop this type of loving bond with your child? It begins in your child's infancy and is built by giving your child the love and affection that he needs.

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Thursday, August 02, 2007

Parents should get life insurance to protect dependents

What does the word parent mean? It means having a child or children. And when they are young, they are totally dependent upon the parent to provide the food for them, to provide a roof over their head, to clothe them, to provide for their needs like incidental necessities - tooth brush, tooth paste, towels, soap, etc. To provide the school or college fees.

Parents are human. That means they cannot be 100% sure they will always be around while the child or children are dependent on them. It is their responsibility to continue to provide for their child or children's needs if, to put it crudely, they die. And this is what life insurance is all about. To have a sum of money to enable the family to continue, preferably with the same standard of living, when they are gone as when they were still around.

There are many types of insurance of which the cheapest and purest form is term life insurance. It is like car or fire insurance. You pay premium for a defined period of time. If anything happened to you, a sum of money called sum insured is paid to the beneficiaries. If at the end of that defined period, nothing happen, you get nothing back. My opinion is in a period of high inflation, term life insurance, is the most logical type of insurance one should get.

For a young family, the house they stay in is most likely to have been bought with the help of a housing loan. The distinctive feature of a housing loan is that as you make the monthly repayments, the amount owed is reduced. Now there is a special type of insurance called mortgage insurance where the sum insured is reduced in tandem with the reduced loan outstanding. This is even cheaper than term life insurance and ensure that your dependent will continue to have a roof over their head if (sorry) you die.

Now not every parents are well to do. Some have to struggle to make ends meet. If you are in such circumstances, you should look for affordable insurance quotes for families.