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.
Thursday, August 02, 2007
Parents should get life insurance to protect dependents
Tuesday, April 17, 2007
Bridal Shower Invitations
It is common in US and Canada for bridal shower to be organised by the bridesmaids before the wedding. A bridal shower is a party given for the bride before the wedding, usually organised by the bridesmaids to offer gifts for the bride and groom for their new home.
However, it is not uncommon for bridesmaids to be sisters of the brides, in which case, the bridal shower may be organised by the family. In any case, invitation cards for the bridal shower need to be sent out.
Bridal Shower Invitations Store has a great variety of bridal shower elegant and sophisticated invitation card designs. To invite friends and family over for a cup of tea, Bridal Shower Invitations Store has a teapot design. For a more feminine design, Bridal Shower Invitations Store has a card with the picture of a bride where wording can be put in the bride's dress and 2 lines can be printed on the veil. Bridal Shower Invitations Store also has a creative invitation card design in form of a handbag with a black ribbon as a handle. Perhaps the bridal shower include dancing, in which case the card with pictures of dancing shoes may be suitable.
For convenience, choose and order your bridal shower by surfing over to Bridal Shower Invitations Online
Thursday, March 08, 2007
Planning weddings and custom wedding invitation cards
If you are a parent, you will have children. And children grows up, and eventually get married. If you have a grown up child who is going to get married, there are wedding to be planned, and that include getting wedding invitation cards to be designed, printed and sent out.
It is good to have custom wedding invitation cards to be printed, and for this daunting task, Custom Wedding Invitations can help. There are 12 categories of custom wediing cards for you to choose from:
A Wedding
Enchanting Borders
Red Colonial
Recherche - Ecru
All Wrapped Up
Luminous in Lavender
Maple Breeze
Classic Tradition
Butterfly Wishes
The Color Blue
A Wedding
Secret Garden
You can request for a sample of the card, but there will be a charge of $2. If you order 100 cards or more, you will be given free Thank You Notes.
Wednesday, February 14, 2007
Why Plan an After Prom Party
Why Plan an After Prom Party
by: Lori Heatherington
From the time I enrolled my daughter in elementary school it seemed that the world was out to ruin her innocence.
Her know-it-all six year old friends with older brothers and sisters shared the world’s reality with her on a daily basis. And I, who was happy living in the land of talking stuffed animals, was in no hurry to debate the concept of Santa Claus.
Unfortunately, that age of innocence doesn’t last long enough. Whether we like it or not, reality plops itself on the sofa in our living room and sits there while our children struggle through adolescence. About the time that we’re able to find some common ground, they’re talking to us about claiming their independence and graduating from high school.
If there’s one thing I’ve discovered in parenting, it’s that we can protect our children from many things when they’re under our roof. Once they’re out of sight however, their own their own. Of course, this doesn’t necessarily mean anything bad will happen; unless they’re with one of those know-it-all friends they’ve known since the first grade.
Seriously, peer influence can be a constant source of challenge, growth, and heated conversations in homes across America. In addition to marketing messages that conflict with our parenting goals, our teenagers are heavily influenced by their friends. Therefore, it’s imperative that we do what we can to guide and protect them.
The pressure to experiment with alcohol and drugs is a constant source in the lives of teenagers and is often the gateway to risky sexual encounters. In addition to alcohol, many teenagers resort to tobacco, club drugs, inhalants, steroids, and methamphetamines just to fit in. Why not make it easy for them to just say no on prom night!
Because prom night is seen as a “right of passage,” anything parents can do to create an alternative to rented hotel rooms and unsupervised parties is a wise idea. According to Mothers Against Drunk Driving (see www.madd.org/stats/2421), on the weekend of my daughter’s prom in May 2000, the National Highway Traffic Safety Administration, FARS data reported that there were 246 total traffic fatalities. From the “Prom/Graduation Weekend Alcohol-Related Fatalities – 2000” report, 136 of the motor vehicle traffic fatalities (55.2%) were alcohol related.
With the help of the community and one another, parents can take a stand against the negative persuasion and fight the devastating statistics as reported by the NHTSA. By following the outline in the After Prom Party Guide, parents can plan and implement an After Prom party to keep their teenagers off the street after the prom. Designed to insure the safety and well being of high school teenagers, all-night After Prom parties are a sure bet for free food, fun and entertainment.
Although most parents come to accept the fact that their children do make their own choices and they can’t blame the first grade friends for every bad decision, no parent wants the challenge of “what if” questions of themselves. Prom night is supposed to be a wonderful time - let’s make it our mission to keep our teenagers safe and off the streets. That idea was the motivation and the inspiration behind the After Prom Party Guide.
[ Submitted with ArticleSubmitter Pro - Article Submitter Pro ]
About The Author
Lori Heatherington's experience with after prom party planning began when she took it upon herself to coordinate an after prom party for her daughter's senior class. That event and ensuing research resulted in her new book, the After Prom Party Guide, available at After Prom.
Lori holds a marketing degree from Dallas Baptist University in Dallas, Texas. She co-authored her first book with her husband, "The Complete Small Business Internet Guide" (published by Macmillan). Lori currently works full-time for the Humane Society of Northwest Montana as Administrative Director.
Friday, January 26, 2007
Advice to expecting parents
I have a personal story to tell. At one stage of my marriage to my late wife, we were having a difficult relationship at a stage when she was pregnant with one of my sons. She probably had spell of anger, and hormones related to that was probably flowing through her bloodstream. It is not difficult to believe that similar hormones were flowing through the foetus bloodstream too. And I believe this may have affected the foetus.
The consequence - I have a son with a bad temper to deal with. Things you do during pregnancy may come back to haunt you. The moral of the story is, keep the atmosphere calm and serene during pregnancy if you don't want the same thing that has happened to me.
Tuesday, December 12, 2006
Teaching With Preschool Software
Teaching With Preschool Software
by: Jennifer Houck
Computers and their Benefits
Computers are becoming increasingly popular in homes, day care centers, preschools, and schools. In fact, current statistics show that more than 50% of all children have used a computer by the time they are four years old. That number jumps to over 80% when discussing children who have used the computer by the time they have entered Kindergarten. Using computer programs for educational purposes offers a host of benefits. Preschool software can be a great way to help children develop and reinforce many educational skills from literacy to science. Many parents may mistakenly believe that their preschooler is to young to benefit from computer software but this is a gross misconception. Preschoolers need to develop literary awareness and preschool software is a great way to expose children to concepts that will help them make the connection between words and their meanings. When it comes to learning, preschoolers need to learn in an atmosphere that is relaxed and fun. Many preschool software games incorporate graphics, audio files, and interesting voice patterns. This helps engage the child’s senses and stimulates learning. It is also important to ensure that the preschool software will help increase their logic, reasoning, and problem solving abilities. Since exploration, imaginative learning, and play are also critical to early childhood development, using preschool software can be an effective means for developing these areas as well.
One word of caution that is important to mention, is that preschoolers have a strong need for interaction with adults and other children. Therefore, the computer should never be used as a substitute for one-on- one or group learning. Consider the use of a preschool software program as an additional learning tool to enhance your curriculum- not to replace it. Some areas where you can find preschool software beneficial include:
•Oral Language Development- choose software that allows children to record and playback their voice. Also, look for software that has a narrator who children will interact and respond to.
•Increase Awareness in the Areas of Phonetics and Print- Preschool software can help children make the connection between print words and their meanings. It is also a valuable way to teach letter recognition, stories, rhymes, and letter sounds.
Using computers and preschool software can be advantageous for all children. It is important to ensure that each activity is connected to the other areas of learning currently being taught.
About The Author
Jennifer Houck is the owner of I love being a Mom (close new window to return to this page), the Free Parenting Resource for busy moms. Sign up for our newsletter and stay up to date on the latest mommy buzz!
Wednesday, December 06, 2006
Crying Baby - Reasons
Crying Baby - Reasons
by: Theresa McNally
Introduction:
Crying is a normal event in the lives of all babies.When a baby comes out of the woomb the first thing to do is crying.By the first cry he will take some air in to the lungs for the first time in their life.After delivery if the baby doesnot cry then it should be initiated by slightly pinching or gently strocking the feet.From this it is clear that the healthy baby should cry and it is a normal physiological event ,still some times it can upset the mother or family members.We all know that a baby can't tell his needs or troubles in words. The only way for him to communicate with others is by crying.Babies show some other signs like feet kicking,hand waving and head turning ect.But the best way to take the attention of others is by crying.
Excessive crying may not have a firm definition because the crying habit changes from baby to baby and some babies can be calmed easily but some are difficult to sooth.If crying is distressing for the mother and home nurse it can be called excessive.Many a times baby become quiet by giving breast milk or by carrying with a gentle rocking.Sudden onset of excessive crying means baby is distressed and needs attention.The causes of crying extends from simple reasons to life threatening conditions.Hence crying of a baby should not be ignored.
Most of the time it is difficult to find the cause of the cry .Common causes are discussed here for awareness.
Common reasons for crying:
1, Hunger:--
A hungry baby will cry till he gets the milk. Here the old saying comes true'crying baby gets the milk'.2, Wetting:--
Urination and defecation causes some discomfort and results in crying till his parts are cleaned and made dry .3, Company:--
Majority of the kids need somebody near. If they feel lonely they cry.When their favourite doll slips away from the grip they cry for help.4, Tired:--
When the baby is tired after a journey and unable to sleep just cry simply.They feel tired in uncomfortable sourroundings and due to unhealthy climate.5, Heat & cold:--
If they feel too hot or too cold they become restless and cry. Child is comfortable in a room with good ventilation.6, Tight cloathing:--
Tight cloaths especially during warm climate is intolerable for kids.Tight elastic of the the dress can also produce soreness in the hip region.7, Dark room:--
When the baby wakes up from sleep he needs some dim light.If there is darkness he will disturb the sleep of parents by crying.Ofcourse he will be irritated by strong light resulting in cry.8, Mosquito:--
Yes,these creatures disturb the sleep by their blood sucking and make the baby to cry.9, Nasal blocking:--
Child may not be able to sleep when there is a cold and go on crying till the passage is open.
10, Phlegm in throat:--
This also causes difficult breathing resulting in cry.Often a typical sound can be heard with each breath.
11, General aching:--
Generalised body ache with restlessness is seen in flu and prodromal stages of some infectious diseases can result in continuous cry.12, Habitual cry:---
Some babies cry without any real cause ending the parents in agony.Many a times doctor is called for help.13, Nappy rash:--
If a tight and wet nappy is kept for a long time results in this conditon. Rash can also be due to some allergic reaction to the elastic material of the nappy. When the rash appears it causes soreness and baby become sleepless and cry. All other skin lesions like eczema,ecthyma ,candidiasis ect also causes same problems.14, Earache:--
Ear infection is common in wet climate.The infection may spread from the throat.Ear infection can result in rupture of ear drum causing discharge of pus.Eareache usually becomes worse at night when lying down.Child will become restless with cry and may not allow you to touch the ear.Some children with earache rub the affected ear frequently.15, Colic:--
When the baby cry continuously most of us diagnose it as colic.This roblem is still a topic for debate because exact cause for colic is not known and diagnosis is also difficult to confirm.Colic may be associated with rumbling and distention of abdomen.Child often feels better when lying on abdomen.Some children may not allow you to touch the abdomen.If the child cries continuously doctors help is needed.16, Infections:--
All infections causes some kind of pain or irritation resulting in cry.Infection may be anywhere in the body.Usually it is associated with fever, redness and swelling.17, Reactions to certain food:--
It is said that one man's food is another man's poison. Some food articles can produce some allergic reactions.Allergy is manifested in the form of redness, breathlessness,gastric symptons and continuous cry.18, Hard stools:--
Constipated babies with hard stools may cry when they get the urge for stool.Some children hesitate to pass stool because of pain .19, Gastro esophagial reflex:--
Here baby cries with spilling of food after feeding.If this continues it may be due to gastroesophageal reflex.This is due to failure of the lower part of esophagus to close after food causing regurgitation from the stomach.It is difficult to diagnose this condition and can be confirmed by giving antireflex medicines.
20, Dentition:--
During dentition child becomes restless with crying. Often associated with gastric troubles and diarrhoea.Some rare reasons -----------------
1, Bowel obstruction:--
Bowel obstruction is associated with severe pain and vomiting. Abdomen is distended with rumbling sound. Baby is constipated with absence of flatus.2, Septicemia:--
Invasion of pathogenic micro organisms in to the blood is called septicemia. Fever is associated with this condition.3, Torsion of testes in male kids:--
When a male baby cries continuously his scrotum should be examined. Torsion of the testes produce severe pain which will be worse by touching the affected testes. When the testes is pressed upwards pain is releived. If this is not treated properly it can damage the affected testes due to lack of blood supply.4, Meningitis:--
Initially there may not be fever,hence crying baby with alternate vacant stare and irritability should not be ignored. Fontanel is bulging. Neck rigidity and seizures may appear later.5, Retention of urine:--
Children with retention of urine will have agonising pain making them restless.7, Major injuries:--
Major injury to any parts of the body causes pain. Occasionally children will fall while arrying and results in head injury. Head injury is associated with reflex vomiting and convulsions.About The Author
Theresa McNally is the author of the all new "So You're Having A Baby" eManual that focuses on helping new mothers and fathers with their new little bundle of joy. You can read more about the book at: Expecting Mothers (close new window/tab to return to this page) and you can view Therea's article site at: Child Care Tips and More
