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Keep in mind that any contributions to a CTF cannot be withdrawn until the child turns 18, and at that time, the child himself can only withdraw it.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.
A person don’t need to clock A FEW hours of study time daily if you would like to achieve great grades. It all boils down to find out how to study effectively and maximizing your study time to finish studying what you want to study. As a researcher in the field of educational psychology, I know through a great number of surveys and findings that people who study long hours each other won’t necessary achieve academic success if they do not know how to study effectively. Of course I’m not saying you shouldn’t put in effort to study, I’m just saying, merging a bit of hard work and study techniques will get you very far up the position ladder in school.
So the secret behind all high achievers in college is being aware of how to study effectively. Here are a few suggestions:
Take control of your stress and reduce it to a manageable level. An excessive amount of stress is harmful to your cognitive functioning and will hinder your ability to memorize information. Procrastination will gradually lead to a stress filled period just prior to a major occasion such as an exam or project submission dateline. So keeping yourself up late to study EIGHT chapters the day prior to your exams doesn’t help at all. Study regularly from day one of school and you will definitely see a big improvement in your grades. A little amount of effort each day can lead to a huge difference at the end of your semester.
Take little steps. If you have a huge amount of information to learn and memorize, looking at the sheer amount of pages in your textbook doesn’t aid your emotional response to the circumstance. Separate your section into pages of threes. Go through 3 pages by 3 pages. Reward yourself with a little sweet after every 3 pages and celebrate, because you’re 3 steps closer to reaching your goal. With this, you will find your studying process satisfying and more successful.
Take more breaks when you’re studying. A person’s maximum concentration period is about 90 minutes, so make sure that you take a break after at least every 90 mins of studying. Taking more breaks helps you to memorize more facts as we can study more efficiently at the start and end of our studying time.
The above are just simply one or two guidelines among the numerous that can help you achieve academic success with the smallest amount of hard work. Studying can be monotonous sometimes, but with the right techniques, you can get it over and done with fast yet get distinctions for your exams.
The Government announced earlier this month that the number of children with a Child Trust Fund has reached over 3 million. However, The Economic Secretary to the Treasury, Kitty Ussher, also highlighted that only three-quarters of parents have actively opened their Child Trust Fund accounts.
This means that for the seven-hundred and fifty-thousand children whose parents did not open the Child Trust Fund themselves, the opportunity to gain one year’s worth of interest is lost. In fact, the accumulated loss of interest for all those Funds that have not been opened amounts to an estimated 15 million!
The Child Trust Fund is a long-term savings and investment plan set up by the Government to encourage parents to save for their children’s future. The Child Trust Fund is available to all children born on or after 1 September 2002 . Children will receive an initial 250 in vouchers to open their Child Trust Fund accounts, with a further 250 when they reach seven years of age. In addition to this money, parents, family and friends can contribute up to 1,200 each year into the Fund.
Although opening a Child Trust Fund is relatively straightforward, choosing one can be more difficult. With three types of accounts (cash, stakeholder or shares) available from numerous banks and building societies each with their own offers, terms and conditions and rates, finding the right Child Trust Fund for their children leaves many parents confused. Recent research from The Actuarial Profession has shown that most parents are simply overwhelmed by the huge amount of information they receive. Often, the just need concise information which simplifies and compares the various accounts available.
Currently, there are several websites that compare only Cash Child Trust Funds, but only MyEggNest.com leads the way by providing a comparison table of all three types of Child Trust Funds: Cash, Stakeholders and Equity (or Shares) Child Trust Funds.
MyEggNest.com has an all-inclusive, easy to understand comparisons of all Child Trust Funds provides parents the tools they need to make informed decisions about the best ways to compare Child Trust Funds available or to see how their children’s current Child Trust Fund compares to others on the market.
Joe Luong, Marketing Director for MyEggNest.com said, “Our feedback has shown that many parents are overwhelmed by the multitude of leaflets and fliers from financial bodies available regarding Child Trust Funds. Some even believe it is too much that they don’t even know where to start.”
“What parents of newborns need is clear and concise information explained in simple English on how best to compare their children’s Child Trust Fund. With MyEggNest.com, new parents are able to research everything they want to know about the Child Trust Fund from one reliable source. On one site, they can seek guidance from other parents in the form of a Child Trust Fund discussion forum, look at product reviews and learn how best to compare Child Trust Funds.”
Christmas is a festival of love, care and happiness. It is actually one of the most awaited and loved festival across the globe. For kids the festival is even more important. It is the day when they would receive their impeding gift from the big man. Yes the Santa Claus who brings the kids the gifts they have written for. How can we forget those innocent letters that kids write to Santa every year demanding their special gift items? In their innocence they don’t realize that it is actually their parents who provide them with things they have wished for. Writing letters to Santa is actually the most loved tradition in this festival that promotes the belief of love. Have you ever wondered that there might be kids who won’t receive their Christmas present? Yes actually there are millions of them who keep waiting for their present to come. Their families are financially inadequate to provide their kids what they have requested for.
Can we do something to help such kids? Again, yes absolutely. The United postal services have come up with a unique program known as Operation Santa. It is very noble opportunity through which you can help the needy children. Through this you can adopt the Christmas letters to Santa There are millions of Santa letters received by the postal department every year. Through this program you can adopt any one of them by answering it. Here you can send the kid the gift the kid has requested for. Don’t worry such children never demand expensive luxury items, their wish list is generally limited to basic essentials such as clothes, woolens, shoes, toys etc. You can easily pay for such items without any kind of financial stress. The postal department sends the gifts on your behalf. Earlier you could also get the contact details of the concerned family but now due to privacy concerns such details are not provided. So won’t you feel satisfied if some eagerly waiting kid receives his due present?nt?
To be the volunteer for Operation Santa program you can contact your nearest post office and get all the necessary details. Otherwise there are specific websites too that provides the concerned details. You can search for such sites on the internet and get all the necessary information such as participating post offices etc. If the nearest postal office to you doesn’t support this program then there are other mediums too to do charity for needy kids. You can donate to specific NGO’s that work for such causes or can also donate to orphanages, church etc.
Be an elf is a nonprofit organization that supports the United States Postal Services Christmas letters to Santa program.
I know this topic will interest most pregnant mothers because this is one of the questions they often ask while pregnant. When pregnant, some individual will just have the appetite to consume more and more garlic. On the other side of the coin, some pregnant mums despise its consumption when pregnant. Consumption of garlic when pregnant varies from one individual to the other. In pharmacology, we were taught that even the food we eat could become poison if we eat it excess. On this note, if we consume excess garlic, it could also become poison to us. Likewise if a pregnant woman consumes too much of garlic while pregnant, it becomes poisonous and harmful to the body.
Moderate consumption of garlic while pregnant is safe. Remember just moderate consumption! If you are a pregnant mother reading this article, it might interest you to know that some of the contents of garlic can pass enter the amniotic fluid via the placenta. For those of us who may not know what placenta is, I will explain. The placenta is a vascular organ that develops inside the uterus of most pregnant mammals to supply food and oxygen to the fetus through the umbilical cord. It is through this placenta that the baby in the mother’s womb gets its own food. It has also being found that garlic can cause thinning of the blood just like aspirin. The consequent of this is increase risk of bleeding which could be fatal to the pregnant mother. Just like most drugs, too much consumption of garlic can cause nausea and vomiting. Other possible side effects of this natural produce include gastrointestinal disturbances. It can also cause sweating and dizziness. Some people develop allergic reactions to garlic consumption. Since garlic causes thinning of blood, bleeding is a possible side effect. Although there are no documented side effects to the fetus, it is advisable to avoid it or consume it moderately during pregnancy. .
Vicky writes for My Medical Notes. Read Health Benefits of Garlic to man and Culinary Uses of Garlic at
What is Garlic
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.
Dont sabotage your study time. Do first things first. Hopefully, youve already decided to make the Praxis II exam a priority for the next few months, so do the things that are most important to your overall life plan prepare for your success!
Get a Praxis II study guide and make it a priority to do the most important things first (like this career-determining test preparation) before going shopping, seeing friends or even watching a movie.
2) Spend the money and get the most current study guides available.
Unfortunately, not all Praxis 2 study guides are created equal. You want to spend the money and invest in your future invest in yourself! Get a Praxis study guide that is up to date for the year you are taking the exam. Get a study system that will teach you informative tips and productive strategies that will position you for passing the exam. Most important of all, get a study system that provides you with a mentor.
3) Make time to have focused study.
Create 30 to 60 minutes of uninterrupted time in your schedule that you can use for study purposes. During that time, study and review Praxis II practice tests and learn valuable test-taking strategies. If you feel you need a break, then take one, but always come back to your studies and make this time a priority for your Praxis II study.
4) Know yourself.
As simple as that sounds, many people underestimate or overestimate their abilities and thus end up sabotaging their own efforts. If youre not going to do well by studying alone, then get in a study group. Conversely, if youre not going to do well in a study group, then study alone. The Praxis 2 test is so critical, youll need to understand your limitations, but youll also need to balance that by pushing yourself beyond those same limitations.
If you dont create your time to study, then taking that time will get squeezed out of your day and you’ll end up doing less important things that dont really impact your life. Prepare yourself for the success you deserve by sticking to your studying!
Now that you have taken the decision to conceive, the next step that follows is in fact the
most enjoyable one. Spice up your love life a little, while trying to make a beautiful baby with
your partner. The best ways to get pregnant are those that are most pleasant, and those
that you will look back at and reminisce, later in your life. Here are a few meaningful ideas to
contemplate, while you work out the best ways to get pregnant.
Staying in a calm and happy mental state is crucial to the process of conception. Ensure that
you have relaxed both your body and mind, that you can approach the idea with ease and enjoy
the process of making a baby. Going on a vacation from the stressful working life, and making
out at an exotic locale is certainly one of the best ways to get pregnant. You stand a chance to
have fun and a break from the routine of your life, and besides it is a special occasion, and the
celebration of the same is called for. Enjoy some special time with your partner, and spice up
your love lives it is bound to yield favorable results.
If you cannot afford the luxury of a holiday, dont despair- yet. There are a number of best
ways to get pregnant, right in your own bedroom. For one, try a change of dcor and set up
the room to have a more romantic feel. Buy some aromatic candles, and invest in a couple of
silk cushions and bed sheets, if you would like that. The environment can act as a huge factor
while you try for a baby with your partner, so ensure that the atmosphere is as perfect as you
can get it to be. There are different things that appeal to different people some find the
raw and rustic aura to be appealing to intimacy, while others enjoy luxurious beds propped
with numerous pillows. Work out what you like, and ensure that you work at creating that
atmosphere that you will enjoy.
Enjoy regular intimacy, the process of baby-making does not have to be mechanical or planned
to the dot enjoying the act is certainly permitted, and definitely encouraged. Derive as much
pleasure from spending so much intimate time with your partner, and make it memorable.
These tiny moments of intense love and affection go a long way into making a healthy
relationship, and put you in the right mental state to welcome that little bundle of joy into the world certainly one of the best ways to get pregnant and make your relationship even better.
In a developing nation like India with over a billion populations, it is important to have facility which provides free education to poor children. Even the economy is growing fast, though sometimes the markets get into bullish mode, but overall its every where declared that India is the future global leader, a thing that makes every Indian feel proud. But if some one cares to look around, then one grows a little skeptic about the development one gets to hear of. You can notice lots of poor people around who are not getting those basic facilities that we usually take for granted. The condition that strikes terror in anyones heart are the poor children of these poor people whose future as well as the present is so dark.
With no financial support or a proper place to live, without the guarantee of three time food, they have to start working at a very early age, when they should have been in some school. Those who are not working or begging for living are left for the day by their parents in the street to fend for themselves. Their parents too dont have an option other than these. Sending to school to receive the primary education is adopted by few parents, but most of them ignore this and put their kids to work some where. Life has not allowed these children to have a choice to choose the way of education. But does that mean those of us who have given the opportunity to help someone turn a blind eye on this problem saying that its not our headache to provide for others who are less fortunate than us. Its the work of the state administration. After all we dream of making this world a better place to live. So, start lending help in achieving that target.
To start with, it would be better if we start concentrating towards providing free education to those who cannot afford it. Setting up education societies would be a very good idea where poor children will be provided with free education and other facilities like medical facilities, sports kits, stationery and clothing kits for free which lead to an all round development of the children.
Whether you are living in India or abroad, your contribution in some good and dedicated charitable organization working for providing free education would bring cheers in the life of lots of little children who would be living a miserable life other wise. Guru Nanak Garib Niwaj Education Society is founded by Baba Amar Singh Ji is working towards this goal.
Pregnancy is a very special time in the life of a woman. It can also be a physically and emotionally exhausting experience. Every stage of pregnancy is both exciting and challenging. Having the support of her loved ones makes a pregnant mom comfortable and confident of herself. If you are looking for the best gifts for pregnant moms, then consider gifting her an experience rather than a material gift.
Even if she does not say it, every pregnant woman appreciates the help, care and support that her family and friends offer. Most women may find it difficult to ask for or accept help, so try to offer it even if she does not ask for it. One of the nicest things that you can do is to gift her a few hours of quality time by herself or with her partner. You can offer to take care of the household chores such as cleaning the dishes, doing the laundry and dusting the house. This simple gesture will mean more to her than a basket full of gifts.
Offer to run errands such as shopping for groceries. Pregnant mums need to eat properly and should have plenty of fresh fruits and vegetables in their diet. This means that they need to go to the store frequently to shop for them. Pregnancy tires out the woman’s body and by ensuring that she doesn’t have to stand in the queue at the grocery store and lug her shopping home, you can pamper her rather thoughtfully. You do not need to pay for the groceries; the time and effort that you spend shopping for the provisions are your gift to your friend.
You can also offer to cook dinner at her house or bring the food over. Do take the time and effort to choose dishes that she enjoys. It would be thoughtful to bring a little extra, so that she has leftovers to warm and eat the next day too. It would be nice if you washed the dishes before you left so that she does not have to bother with them.
Pregnancy is accompanied by a plethora of discomforts including backaches, headaches, leg cramps and a general feeling of fatigue. A gentle, soothing massage is just what a pregnant mum needs to alleviate her aches. There are spas that offer special massage treatment for mums-to-be.
Women with normal pregnancies can enjoy the many benefits that a prenatal massage offers. The masseur will help reduce the pressure and strain on certain body parts such as the lower back or the feet. The pampering is just what the lady needs to make her feel loved and cherished. Facial and neck massages relax the body and ease the mind, and can be the perfect gift for a pregnant mum.