Author Archives: onceuponababy

Types of children insurance plans

Types of children insurance plans

Today all those who wish to systematically save enough for the future of their child consider buying a children plan. These plans help you to save up for the future of your child in the most affordable manner. Looking at the overwhelming response child plan have received from consumers, the market offers you two kinds of plans to invest in endowment based child plans & child ULIPs. Let’s take a look at both of them. In both the cases, the plan works in the similar manner, you need to pay a predefined premium towards the plan for a certain period of time. On maturity the plan pays out a lump sum or portions of the sum assured at regular intervals, as per your requirement.

Endowment based children plan largely depend on how the insurer performs. So if the insurance company generates profits from the investment & gives you a share, then the value of your investment grows. The profits are h&ed to you as bonuses. So if you want a better return on the investment, then you have to depend on the bonuses h&ed out to you. The policy mostly invests in debt products.

Child ULIPs on the other h&, form a more lucrative option to invest in. This instrument largely invests in equities. The risk it carries is evened out if you continue the policy for a longer duration.

Under this children plan, investors have the option of choosing from different kinds of fund as per their risk taking capacity. A child ULIP plan that invests your money 100% into equity is an aggressive fund, whereas a plan that invests only in debt will be a conservative plan. You have the liberty to choose any of the plans offered to you & even switch between the funds later. This kind of a child plan is always beneficial as you can make the best of long term investment. Remember to choose a plan that suits your risk bearing capacity the most.

A common benefit that both these plans provide is that if the parent of the child dies, the child is immediately h&ed the life cover amount by the insurer. Also, all the future premiums of the policy are paid by the company. On maturity the nominee gets an equal amount of the life cover along with the additional bonus if you opt for an endowment plan & the final market linked fund value in case of ULIP children plan.

Source:

I am Sarita Mane, an experienced author with keen interest on Insurance plans. I have a number of articles to my credit based on topics related to children plan.

The Diseases You Are Destined to Inherit From Your Parents

The Diseases You Are Destined to Inherit From Your Parents

Children and parents always have many similarities, such as body tall-short, body fat-thin, color of skin … These are all related to heredity. At the same time, many diseases are closely associated with genetic. What diseases are most likely to be inherited?

1. High cholesterol and high blood pressure: If one of the parents has high blood lipids or blood pressure, the child’s risk of illness is about 50%; if parents both suffer from high cholesterol or high blood pressure, then the child’s risk to suffer will reach 75%, which is enough for us to see the heredity of such a cardiovascular disease is very high. In addition, if any of the grandparents suffer from heart disease, the child’s risk of disease will also be very high.

2. Allergy and asthma: If one of the parent has allergic constitution, or is allergic to certain things, such as seafood, pollen, etc., then the child could easily be troubled by those allergic diseases. Genetic risk can reach 30% to 50%. Especially asthma, genetic probability is about 80%.

3. Diabetes: diabetes has the susceptibility of family heredity. Survey showed that the incidence of diabetes patients’ patients is 17 times as higher than non- diabetes patients’ relatives. The genetic predisposition of type ?diabetic patients is more obvious than type?diabetes patients.

4. Rhinitis: Many nose diseases have come from heredity. The most common such as allergic rhinitis, chronic rhinitis and chronic sinusitis, rhinitis, these three have a family genetic tendency. According to statistics, if one of the parent suffers from allergic rhinitis, 1/3 children their next generation will suffer from this disease; if parents both suffer allergic rhinitis, the possibility of their next generation suffering this disease is up to 2/3.

5. Obesity: If the weight of the couple exceed, then the possibility of their children to become fat is 53%; if only one of them is obese, the probability of their children to be obese will decline to 40%.

6. Cancer: Tumors that are closely related to heredity can be divided into two categories: the first is hereditary tumors completely determined by the genes; the other is the so-called -cancer quality- hereditary cancer that is not found genetic material basis but obvious genetic predisposition.

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Amazing Child Montessori Raise Way For The Young Parent

Amazing Child Montessori Raise Way For The Young Parent

How to Raise an Amazing Child The Montessori Way is an incredible book that shows young parents how to raise a truly amazing child right from when your child is born until he or she is 6 years of age. As every child is an amazing child Montessori raise ways to give you great tips on nourishing your child’s development.

For parents with an amazing child Montessori raise ways to:

Nurture First-Time Discovery

The book aims to nurture a child’s natural ability to see the world around them in a totally different light. It also guides parents on deciding when to educate their kids about certain things. The book includes simple courses on basic reading, writing, math and science.

Help the Child Gain Personal Growth

The book understands how children sees the world and teaches them how to discover the world around them. Your kids will know how to use their senses to stimulate more learning experiences. Soon they will develop skills so that they are able to do things by themselves.

Cater to Every Child

To the amazing child Montessori raise ways to deal with feelings of irritability, shyness and restlessness. The book offers a solution for almost any situation you might encounter as a young parent. You’ll learn how to deal with tantrums and even how to keep your home child-safe. The book basically helps children to concentrate and respect.

Offer Recognized and Tested Tips

The book has many recommendations but most importantly, proven case studies. It illustrates some established practices and facts that are also merged with the Montessori philosophy. It is full of information on the physical and intellectual growth of children and also on how parents can nourish their kid’s natural talents and capabilities.

Provide Sensible Guidelines

The book is pretty straightforward and only offers tips that are easy to read through and apply to your kids. Programs are simple and use tested methods.

Offer Exciting Ideas

For the truly amazing child Montessori raise way more exciting ideas than other books can. The book offers exciting ideas for children’s activities, which parents can enjoy planning and setting up. The book aims at improving relationships. Children will not want to stop learning because the book is filled with fun ideas for learning, too.

Reading the book is also made fun and easy for young parents. The book contains lots of pictures and merges guidelines with a light-hearted approach. Some readers consider the book as a piece of art. Even after years of raising an amazing child Montessori raise ways to continuously guide your child through life.

Dating Customs Around The World

Dating Customs Around The World

When most Americans think of dating, they think of dinner and a movie. However, dating has changed drastically over the course of history and varies from country to country as well.

In the early ages, there was no dating or courtship. Men actually captured their wives! They would raid villages and take the women they wanted for their own. A lot of our dating traditions were born in the medieval times from the concept of chivalry. This is where we got out notion that the male should pay for dinner and that a male should hold the door open for a lady. Women were actually given the right to propose marriage in 1228!

Between 1830 and 1900, romantic love was considered important to relationships. The rules for dating were strict and steadfast. Men and women had cards with their names imprinted on them which were left for each other in an elaborate courtship ritual. It was commonplace for chaperones to accompany couples on dates.

Today things have changed, but still there are special customs depending on where you live.

In Australia, girls often ask boys out on dates and pay for everything.

In European countries, teenagers often go out on group dates.

Dating is actually forbidden in Iran. Boys and girls are kept separate until they are ready to be married and then their parents do the introductions.

Dating is also very rare in Afghanistan, as most marriages are arranged.

Japanese and Korean individuals usually do not begin dating until they are in college.

In Brazil, group dates are not common at all. People tend to date much longer before they get married.

In China, dating usually does not begin until an individual is in their twenties. Chinese singles usually only date one or two people before they get married. There are also still instances of arranged marriages.

In most Asian countries it is customary for young people to remain at home until they are married and often a newlywed couple will live with one set of parents for awhile after they are married.

In Kiev, women do not like to shake hands. They think that it is not feminine. A woman will hold onto a man’s arm when they are out on a date instead of holding his hand.

Relationships and marriage are important in all cultures, but the actual act of dating varies greatly depending on where you live.

Teach Young Kids About Money

Teach Young Kids About Money

Teaching your young children about money is one of the most important things you can do as a parent. Don’t wait until they are teens to teach them responsible money management skills for a lifetime.

What lessons you impart depend on your kids’ maturity, but you can usually get started by the time your child turns seven. Don’t pass up this opportunity, because preteens still accept guidance from their parents; later on, peer pressure becomes a stronger influence.

Allowances

Giving your kids an allowance is a great way to teach them how to set savings goals. Decide whether to tie it to chores or require kids to set aside a portion for savings or charity. (Charitable contributions can teach kids that, sometimes, feeling good about helping others trumps spending on themselves.)

According to a 2008 survey published in the San Diego Union Tribune, weekly allowances for children ranged from an average $2.84 for a child at age four to $9.58 at age 12.

Here are some guidelines to consider as you structure your children’s allowances:

Be reliable; pay allowances the same time each week. Sunday nights are perfect because your kids won’t have the weekend to spend it all quickly.

Use small denominations so they can easily set aside a portion for charity/saving, if those are your rules.

Never withhold an allowance as punishment. If your child receives a gift of money, it’s for them to decide how to save or spend it. Never “borrow” your kids’ money, and don’t criticize their decisions.

Daily Money Lessons

Look for everyday opportunities to teach money lessons. Teach comparison-shopping at the grocery store or, if they’re older, how to do so online.

Teach older children about investing by helping them buy a share of stock in a company whose products they buy, like the company that makes their iPod or their favorite snack.

Checking and Savings Accounts

Most kids are ready to open a bank account by age 9 or 10. They’ll learn that money doesn’t grow in ATM machines!

If Money’s Tight

If your family’s experiencing financial difficulties, be careful what you say. Don’t frighten children with extreme language.

If you’re a single parent, don’t overspend on your children because of guilt. Your children need quality time with you more than money. Don’t be pressured into buying the latest gotta-have it or impulse purchases. Encourage your kids to help the family stretch a dollar. Most kids will eagerly contribute if you value their input.

Study Finds Popular Cholesterol Drugs Vytorin, Zetia Not Effective

Study Finds Popular Cholesterol Drugs Vytorin, Zetia Not Effective

A recent study appearing in the New England Journal of Medicine has questioned the effectiveness of the popular cholesterol medication, Vytorin and its sister drug Zetia. Vytorin, a combination of Zetia and the generic drug Zocor, is the second most profitable pharmaceutical manufactured by Merck & Co. The Securities and Exchange Commission reports that sales of Vytorin and Zetia have raked in an astonishing $21 billion worldwide since 2003.

Although ezetimibe, the active ingredient in Vytorin and Zetia, has been shown to reduce cholesterol slightly, its ability to unclog coronary arteries is less than that of niacin, a cheap B vitamin, often available over the counter, according to the article. Additionally, Vytorin and Zetia competitors have been shown to prevent heart attacks, strokes and other cardiovascular diseases at a less expensive price tag, whereas Zetia and Vytorin have not been proven to do either, according to the study. In contrast to Lipitor, Zocor and other statin-type drugs which block cholesterol production in the Liver, Zetia prevents cholesterol absorption in the intestines. The difference between how the drugs reduce cholesterol has helped Zetia’s popularity, despite the fact its effectiveness has been questioned. Many patients have been prescribed Vytorin as an alternative to the unconfortable side effects of Niacin and other statins’ including liver problems.

This is the third study in the last two years that has cast doubt on the effectiveness of the pharmaceutical giant. Additionally, in August 2009, Merck and Schering-Plough agreed to pay $41.5 million to settle class-action lawsuits accusing the companies of withholding unfavorable information about the drugs. Due to their recent merge in Nov. 2009, both companies are responsible for the lawsuit. Vytorin has been linked to potentially harmful side effects, including a high rate of cancer deaths, according to a controversial study released in 2008.

These studies also question whether the Food and Drug Administration prematurely approved the drugs without requiring additional studies that illustrate the drugs’ effectiveness or ability to prevent heart attacks. Merck waited three years before starting a research study to examine the effect on heart attack rates among Zetia and Vytorin patients.

Additional studies will be conducted to further examine the effectiveness of the drugs, including heart attack prevention; however results are not expected to be available until at least 2012. Leading cardiologists have advised patients to use cholesterol drugs like Zetia and Vytorin only if his or her cholesterol levels have not improved with the use of other medications and life-style changes. Oftentimes, patients pursue a Vytorin lawsuit to seek monetary compensation to cover medical treatments due to cardiovascular complications.

Iphone Apps That Any Parent Can Use

Iphone Apps That Any Parent Can Use

Technology has become a critical part of living in the modern world.We use it for much more than just staying in touch with family and friends. It has become part of our daily lives. If you can thinks of something, the chances are that there is an iphone app out there for it. They even made apps that will help any parent to make parenting easier.

Here are 5 cool apps for you to try:

Total Baby

Wow. Parents who like technology will love this app.This app allows you to keep track of basically anything, from sleeping times to doctor appointments even when you fed the baby and which breath you used to feed him. It enables you to also create a timer to log whatever you want to keep time of. If an all-in-one app is not quite your thing then please have at the apps below.

Baby Tracker:

As a new parent there are a million things you need to keep track of. If your baby is not of of those that scream the roof off when they need to be fed, then this app will remind you when his next feeding is. The app also tracks the length of the feeding session and which breast you used last.

Baby Monitor

A clever little app that lets you use your iphone as a baby monitor. This app alerts the parent by phoning them when the app detects a noise in the baby`s room. What makes this app great is that it has unlimited range.

White Noise

This app plays soothing ambient sounds to help your baby sleep. Now there is no need for playing music to your baby. This app has been featured in plenty of magazines and not just for baby, any parent will find it very relaxing to listen to. You can choose from 40 sounds like the clothes dryer to hard rain.

Grocery IQ

We are all aware that you as a parent have a lot of things on your mind. When you get the chance to eat and open the fridge,only to find out that it is all empty can be a very unhappy experience. We have all experienced how hand written grocery lists disappear into the same vortex as children`s socks.Well thankfully this app you are able to access you grocery list with your iphone.

Buy Kids Wallpapers At Cheap Prices Online

Buy Kids Wallpapers At Cheap Prices Online

Every child is special and he/she needs to be taken care of in the most loving manner. It is the wish of every parent to take care of his child in the best possible manner. Children live in their own imaginary world where they make friends with cartoons they watch on T.V, fight with the bad guys they know about from somewhere and do various other things which make them happy. The room of a kid should be designed in a careful manner to make him feel happy.

According to the gender of a child, his/her room should be designed and decorated. For instance, pink colored walls and pillows are often used in the rooms of girls. The room of a child should look cheerful and happy. One should not use dull colors for painting the walls of the rooms of children. Various kinds of things can be used to decorate the rooms of kids. There are a large number of shops which sell accessories for decorating the rooms of children.

If you wish to decorate your kids room in a perfect manner then you need to buy many things. One of those things is Kids Wallpaper. You can get Kids Wallpaper from a large number of online stores. According to the likes of your children, you can purchase them. People who wish to have a wallpaper on the whole wall of the rooms of their children should get Kids Wallpaper Murals. In order to buy Kids Wallpaper Murals, you need to visit stores or get online.

People who have baby boys need to choose boys wallpaper for their rooms. We all know that the choice of boys is totally different from girls. Therefore, it is important to look for boys wallpaper for decorating the rooms of boy kids. A large number of kids love to watch dinosaurs as cartoons and funny characters. They would love to have dinosaur wallpaper in their rooms. You can ask your child whether they would like to have dinosaur wallpaper in his/her room or not.

Various schools which are meant only for kids also exist in various parts of the world. Such schools might be looking for nursery wallpaper for decorating their rooms. If you are looking for nursery wallpaper then all you need to do is to get online and search for such online stores which sell them. There are a lot of such stores which sell such wallpapers online.

Kids need their rooms to be full of colors, wallpapers and fancy accessories. They make the mood of kids cheerful all the time. Kids love to play with their pillows and toys which they keep in their rooms. Whether you want to purchase wallpapers of different kinds for the rooms of your children or you are looking for some accessories for your childs room; you can purchase all of them easily from the internet. Online, you can get such things at an affordable price

HIPAA Online Training Courses

HIPAA Online Training Courses

There are three different types of HIPAA Online Training Courses where each of the courses should prepare you for the various HIPAA certifications. These courses are tailored according to the HITECH ARRA Act of 2009 and will aim at training its trainees on the significance of maintaining the confidentiality and the integrity of protected health information. These courses will also address the significance of electronic protected health information and implementation role in cutting down costs on print. Therefore, these types of online training courses include the following: HIPAA Privacy Training This training takes two days and a total of 10-12 hours to complete course. The course will comprehensively elaborate on the laws and implementation specifications under the Administrative simplification act and more so, offer insight to its trainees on how they can build a strong foundation and a dependable framework on HIPAA privacy compliance for their organizations. Therefore, the training should sensitize the members of the HIPAA privacy compliance team, organizations and healthcare and health insurance executives among other groups on the significance of being compliant in regards to their entities’ compliance. HIPAA Security Training This training is normally conducted by the HIPAA Security certified instructors and consultants assuring anyone interested in it should be fully equipped on keeping up with the HIPAA compliance standards. These training should take two days and will take a maximum of 10-12 hours. Otherwise, training consists of updates of the HITECH ARRA Act of 2009 and the audit requirements according to Department of Health and Human Services Office of eHealth standards and services. Therefore, this training should fully equip you on how to make sure that your organization is fully compliant to the HIPAA Security standards and policies. HIPAA Compliance Training This training takes four days and a total of 20-24 hours to complete the course. Otherwise, it should offer a deeper insight on how to make sure that your policies, rules and standards are as per the HIPAA compliance requirements and can adhere to the implementation specifications stipulated in the Administrative Simplification Act and HITECH ARRA Act of 2009. After the training you should be aware of the need to have a complete overhaul on your privacy and security policies or the only need to do minor adjustments.

Study Guides – Are They Helpful

Study Guides – Are They Helpful

Have you ever purchased a study guide that promises to teach you the the great and amazing study secret that no one has ever heard of? In most cases, this type of hype does not carry any real content or any fulfillment to the many promises they make. Hence, It will be my intention today to try to guide you on how to find out the real study techniques that lead to success in your studies. First of all, let me start out by this premise:

There are no real short cuts or secrets to gaining knowledge, it’s a matter of hard word and patience. Hence the saying: Patience might be sour but its result is sweet. Although there are no (or very few) real study secrets, there do exist certain study techniques that will make your studying a whole lot easier and even more effective. As you yourself might know, there are numerous ways of studying and I can’t compel you to choice a certain way that doesn’t fit you, hence I strongly urge you to do the following:

No matter how you learn the best (by visual experience, kinetic etc) make sure that you do not change horses in midstream concerning the way you learn, ie do not flip flop between different learning approaches. This will inevitable confuse you and may even worsen your study results in the long run. Remember that studying a small amount of information each day on a long time period is several times better than studying an immense amount of information over a short time frame. Contingency is a vital component in your studies, never forget that!

This article was not written in order to spell out all the thousands of different study techniques found under the sun but in the hope of making you realize that one can systemize the way one studies and that this change really can make a difference. Therefore, I urge you once again to sit down and reflect for a moment; how do you learn the best? Be sure to write down your answers and review them with your self and see if you can make any general conclusions, you might be stunned to see that you might have had a bad approach for too long.