Monthly Archives: April 2014

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

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.

Housing for single mothers

Housing for single mothers

Sometimes It is hard to find housing for single mothers. The housing should be affordable. Most bigger towns often do not have affordable housing. A single mother looking for housing must also take into account commuting distance to her job. If the housing found makes the commute too far to be feasible, or increases the cost of the commute by an unreasonable amount, then, no matter what the rent, the housing really cannot be said to be affordable. Housing for single mothers must also be close to daycare.

HUD and local Housing Authorities can help with housing for single mothers. Unfortunately, there are waiting lists for public housing and the lists are often closed when they get so long that there is no chance of filling them within a reasonable amount of time. Depending on the mothers income, it may well be worth getting on a waiting list for public housing. The average cost of public housing is 30% of the mothers income. This equates to less than $500 per month for a single mother making $10.00 per hour. However, with a set fee like this, if the mothers income goes up, her rent will also go up. A single mother making $15.00 per hour would pay $720 per month for the same apartment that costs less than $500 a month for a woman making $10.00 per hour.

Many single mothers looking for housing try to find a place near their family, so that they can have their familys support. In order to afford housing near their families, they will often rent one-bedroom, or studio apartments, instead of the two or three bedroom apartments that the family needs.

Housing for single mothers is not just a question of a roof over the familys head. The family needs furniture and laundry facilities, phone service and utilities. If the family qualifies for public housing for single mothers, they often qualify for assistance on their utilities bills. If the family finds non-public housing, the mother will need to put down deposits and pay connection fees for gas, electricity and, sometimes, water. Many times the single mother will have to do without telephone service.

Baby Essentials

Baby Essentials

People who are having a baby often realize there is a tremendous amount of preparation to be done. Even those people who have already entered parenthood can get overwhelmed. Since it can be hectic to get ready for a baby, it is always wise to make a list of baby essentials.

Wardrobe

No matter if parents will use cloth or disposables, diapers are important. Parents must think about the changing seasons in their particular part of the world. For cold winter, a baby will need sweaters, warm blankets, socks, and hats. No matter if the baby will be a boy or a girl, things like onesies and chemises can be bought in a neutral color.

Food

Proper preparation of food is first priority. If parents choose to bottle feed, a sterilizer, warmer, and washer should be on the list. Bibs are also a necessity to keep baby clean. Plates, cups, and small utensils can be purchased early or when needed.

Bedding and Towels

Sheets, towels, and rags are important. It is advisable to change towels after each bath. It is good to think about how laundry will be done. Anything that touches baby skin must be kept clean and made of soft materials.

Skin product

The skin of a baby is delicate. Therefore, the products that are used should be made especially for babies. Bath gels or bubble bath, lotions, shampoo, and other powders are the basics. Vaseline and other things to prevent diaper rash should also be considered.

The Nursery

What is placed in a nursery depends on a parent’s preference. Some people like having a diaper changing table, a diaper pail, and a clothing bin to place dirty clothes. Furniture for the room should include a crib, dresser, and a comfortable chair. Anything else just depends on individual needs.

First Aid

Many people pick a pediatrician after the baby is born. However, a first aid kit is something that many do not always think about. New parents should think about having items like a thermometer, a medicine dropper, an anti-itch cream, acetaminophen drops, and a nasal aspirator.

Traveling Items

Baby carriers are safe and convenient tools to travel with baby. A car seat should have several advantages, especially keeping baby safe. Parents should also always carry sunscreen. Babies can not complain about discomfort and early sun exposure at an early age may affect the skin at a later time.

Miscellaneous Items

To finish the list, new parents need a baby bag, cotton swabs, and baby wipes. Grooming tools like brushes, combs, and nail clippers are also a good idea.

These items are just the basic baby essentials for parents bringing home a new baby. Many other things will be needed, but they can be purchased as the need occurs.

Financial Help For Single Mothers – Where Can A Struggling Single Mom Get Assistance

Financial Help For Single Mothers – Where Can A Struggling Single Mom Get Assistance

Many single mothers can find it hard dealing with the necessities required in their day-to-day lives. Raising a family by themselves can be a struggle for many women, as they try to find the money to put food on the table and pay the rent. Thankfully, there is financial help for single mothers available to those that need it.

Many single moms would have loved to have obtained a college degree that would enable them to apply for better paying jobs, yet were not able to afford the luxury of completing their education. The good news is that it is not to late for these women to fulfil their ambitions of returning to university, as there is now a range of financial aid initiatives available which can allow them to get the qualifications to improve her standard of living.

There are many state and federal education grants that are awarded to single mothers, if their financial situation meets the necessary criteria of the particular grant. Filling in a FAFSA form, which stands for Free Aplication For Federal Student Aid, will help determine the status of your finances.

To show their support for the hardships endured by many single parents, the government have put in place many aid programs that offer financial support. One of the more popular programs for single moms is called W.I.C. This initiative provides single parents with food vouchers, to help them pay towards their food bill.

Those struggling to meet their housing costs can also find help from the government who offer housing assistance. This type of aid provides a chance for single moms to live at a more affordable rent.

Medicaid is a federal program that helps needy families pay for medical expenses. This can cover the costs of necessary health expenses, such as prescriptions, eye tests, hospital visits, and dental treatment.

Single moms needn’t feel alone in trying to provide for their children, as there are host of aid programs out there that in a position to provide financial help for single mothers

Get Pregnant Fast-4 Tips How To Get Pregnant

Get Pregnant Fast-4 Tips How To Get Pregnant

So, you have decided it is time to get pregnant and you can not ignore any longer the natural instinct to procreate and have your first baby. This can be a stressful time for any woman and I will look at 5 critical tips to help you get pregnant with the minimum of fuss and stress.

In order to increase your chances significantly and to ensure a healthy baby you should do yourself a favor and print out these tips and stick them on your fridge.

Tip 1 Folic Acid

Start taking folic acid now; point 4 mg of folic acid per day will enormously reduce your chances of having a baby with a neural tube defect such as spina bifida and you should ensure that you start taking it about 2/3 months before trying to conceive.

Tip 2 Fun Sex

You need to ensure that you are relaxed and having fun when having sex rather than heaping stress and pressure on you and your partner by only having sex with a view to getting pregnant. One will follow the other and you can not force this; just ensure that you inject a little excitement into your sex life by doing it at different times of the day or in a different room than your bedroom. And many experts believe that you increase your chances of getting pregnant by lying down for up to 5 minutes after intercourse in order to allow the sperm to make it’s date with destiny.

Tip 3 Make Love During Your Fertile Period

This covers the time leading up to ovulation and includes the 5/6 days prior to ovulation.

Tip 4 Keep a Menstrual Calendar

It is important that you are organized and know precisely when your ovulation period is due; keep a calendar of your cycles and ensure that you are at your most sexually active during the 5 days prior to ovulation.

Having a baby is a numbers game and assuming you do everything right the chances of getting pregnant are around 30% on any one occasion so don’t stress or put too much pressure on yourself. Take care, reduce your coffee intake and most of all have fun and ensure that your love making is fun and enjoyable for both you and your partner.

And don’t heap pressure on your partner with your desire; he will want it every bit as much as you but there is no point creating unnecessary pressure on him and turning the whole deal into a pressure filled chore. Have fun! Check out wedding invitations online and discount wedding invitations online at

Divorce – 6 Tips For Helping Your Children Cope

Divorce – 6 Tips For Helping Your Children Cope

When the divorce process is just beginning, chances are you and your spouse have not settled the issue of child custody. This is a very difficult time for both you and your spouse, but most importantly, this is very difficult time for the children. Do keep in mind throughout the divorce process that your children are powerless, hurt, and probably very confusedthey do not understand why mommy and daddy cannot get along. Here are 6 tips for helping your children cope during this difficult time:

#1 – Be lenient toward them. You are going to see a lot of erratic behavior from your children during the divorce process, but try not to be too hard on them they when act out of character. They are shaken emotionally, their little world has been turned upside down. Before you punish them, be mindful that the divorce process is having a negative affect on them.

#2 – Let them open up to you. Throughout the divorce process, set some time aside to sit down and talk with your children. Try to get them to open up to you. They probably have some things they want to tell you and this is the time to listen to their feelings.

#3 Cooperate with the other parent. This may be very hard to do at times, but for the sake of the children, try to maintain civility between you and your spouse during the divorce process. Having a civil relationship with your spouse is in the best interest of your children. If you have a misunderstanding with your spouse, be sure to settle the misunderstanding privately and not in front of the children. Seeing you get along with their other parent, will cause the children to feel more secure during the divorce.

#4 – Let them know you are always available for them. Check up on your children a few times each week and just let them know that if they ever need anything, you are always to be telephoned. Be careful not to overdo it though. By maintaining an open relationship with your children, your level of stress and worry will stay low because you have peace of mind that if something bad happens, the children will contact you right away.

#5 Communicate directly with the other parent. As hard as this may be, it is very important that you have direct communication with the other parent. Because you and the other parent have direct communication between you, your children will not fill like they are being used as the messenger or the go between.

#6 Speak positively about your spouse in front of the children. Whenever you are talking with your children about your spouse, keep it positive. This may be hard to do, but it will ease the tension that your children are feeling and allow them to enjoy spending time with you.

Child Support in New York

Child Support in New York

Any couple that goes through a divorce has to deal with many issues, but those that have children usually go through even more acrimony when dealing with custody and support for their children. Child support is financial support provided by the noncustodial parent. Child support includes, cash payments (based on the parent’s income and the needs of the child), health insurance for the child, payments for child care, and payments for reasonable health care costs that are not covered by health insurance. Family Court determines the amount of child support the noncustodial parent will pay. Under New York State law, parents are responsible for supporting their child until the child is 21 years old.

There are guidelines in which the court uses to determine the amount of child support that is owed to the custodial parent, based on the noncustodial parent’s adjusted gross income and on the number of children involved. The court first determines the noncustodial parent’s gross income. The court then multiplies the adjusted gross income by the standard guideline percentage for the number of children. These percentages are as follows:
17% for one child
25% for two children
29% for three children
31% for four children
at least 35% for five or more children.
Then the noncustodial parent’s share of child care, medical, and educational expenses is added to the income percentage amount. The combined amount, percentage of income plus share of expenses, is the basic child support amount.

For incomes over $130,000, the court determines whether or not to use the percentage guidelines and may consider other factors in setting the full child support payment.

The main problem that many noncustodial parents have an issue with is that many fill out long and tedious expense forms and when it comes time to determine the monthly the courts do not take into consideration the expenses of the noncustodial parent. If you cannot pay your child support you can file a “petition for modification” with the court that issued the support order. Only the court can change what you owe. Just because you think you cannot pay, do not stop paying. Continue to pay what you can while you wait for the court to make a decision. You should know that the court will only change the amount of support you need to pay if there has been a substantial change in your ability to pay.

Dealing with child support and child custody it can be very emotional, remember that in the end you want what is best for your children.

Healthy Parents Equal Healthy Children

Healthy Parents Equal Healthy Children

If you want healthy kids then the very first thing that you must do is begin by taking care of yourself. Most parents think that they can tell their children what to do and how to be and think little about the type of example they are truly setting for their little ones. Children begin learning very early and this is why they can walk and talk so early on. They act as sponges for information from the time they are born and it is for this reason that it seems to take them a little while to begin speaking. They are just too busy absorbing everything.

When it comes to being a parent the road isn’t a simple one. Good health begins at birth and most parents really dont give things such as obesity even the slightest thought during the first few years. As a matter of fact, who doesnt love a cubby, little bundle of joy, or the chunky legs of a toddler just mastering walking? Right? Well, your children are learning your habits very early on and therefore you must realize that everything you do is becoming a factor in everything they do.

Those that take parenting seriously and have a greater level of understanding not only want to improve their habits and make them healthier in an attempt to be a better role model for their child but they also want to do so with the chance of being able to stay around for longer in the life of that child. Healthier habits lead to a more productive, happier, and longer life and this is just a fact.

If you are planning on having a child or you are just becoming a parent then it is important to understand that you need to make the changes in your life that will make you a better role model for your child. Living your life in one way but telling your child to do another is a method of parenting that does not tend to prove very successful in the long run.

Healthy parents do equal healthy kids and if you want your children to get proper amounts of rest, eat fruits and vegetables, and remain chemical free then you should live your life that way. In the long run a healthier lifestyle will be something that will benefit you all. So perhaps having children does help to extend your life?

Jennifer Garner Mother Style we Love

Jennifer Garner Mother Style we Love

We’re always on the look out for moms that are just like us. Jennifer Garner is a mom whose style we absolutely love. She’s casual chic (and practical) while running around town, and she looks great on the red carpet. We especially love how she accents her looks with classic jewelry and pieces that can easily be imitated.

Jennifer Garner’s day-to-day look is pretty basic. She generally opts for jeans and sweatshirts or t-shirts. She sometimes adds a necklace of interest or a small pair of tasteful earrings to pull the look together. Most of her choices are simple and understated, such as her miniature hoop earrings or small cut out pendant necklaces. Other past favorites have included a colored gemstone cross pendant and a medium length gold coin necklace. One thing’s for sure – all of her choices are versatile enough to be worn with multiple outfits, and sensible enough for a mother of two.

When Jennifer Garner dresses up, she knows exactly how to kick her look into high gear. Her red carpet looks have made the pages of every major fashion magazine, and her jewelry certainly does not disappoint. Our favorite look was the one she recently wore to the Academy Awards. Her outfit of choice – a LBD, was taken to a whole different level when she piled on art deco bracelets and a vintage looking necklace. Another time, she upped the glam factor of her LBD with roped diamond strands that proved to add simple elegance. She prefers the style of this necklace, and wore something similar with the addition of a bejeweled cut out floral pendant.

Jennifer Garner doesn’t shy away from colored jewelry either. For example, to compliment a plain satin black dress, Jennifer Garner choose colorful light blue tear drop earrings and a matching broach. The pieces were simple and her natural beauty really shone through. For another event, she donned garnet and canary double drop earrings with a LBD for a striking and unique look. Whatever she wears, Jennifer Garner tops our list!

Posted by Cherry Bruce, you can find more articles about necklaces, jewelry sets, bracelets and sterling silver jewelry on my profile page.

Capturing your infant moments forever Baby photographerBaby photography in Capturing your baby mo

Capturing your infant moments forever Baby photographerBaby photography in Capturing your baby mo

Babies fall into those types of profound life changing types which have a habit of changing your entire planet around. These tiny bundles of joy are one of our most celebrated decisions, which nobody having the ability to resist the charm of a new born child to coo more than, capturing their initially few months on film to treasure forever amongst the blur of your sleepless nights and irrational hormones is a good reminder of your tiny tot for years to come.

Yet uncovering a baby photographer can be a problematic task, specially with countless living by the rule ???never operate with kids or animals’ due to their unpredictable nature. Any parent will be protective over their tiny one particular so also uncovering a regional photographer who you can trust to not simply provide the perfect photo, but with treating your baby with all the similar enjoy and affection as you would give them too.

Heather describes herself as a true Pisces and finds herself naturally drawn to water, and with her super relaxed, fluid and chill attitude it is easy to see why. Living close to the ocean and wishing for relaxing rainy Sundays, her close knit household way of life total with sons, husband and dog, has proven her biggest inspiration to chase her dream of becoming a infant photographer in Toronto. Driven by a passion for capturing the beauty of childhood, with each and every image adding to her just about every increasing lists of inspiration along the sound of her sons laughter, Heathers enjoy for photography and bringing parents and image they’re able to adore forever far out weights her require for commercial obtain.

So if you’re acquiring your digital camera or smartphone just isn’t pulling off the sheer adorableness of your child, take into account the solutions of an expert infant photographer like Heather, for elegant and adorable pictures that will have your household and pals ???awwing’ in delight (and no doubt your teenage youngster cringing with embarrassment because the photographs emerge at milestone birthdays in years to come also)!

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