LANRI

Directory of Public Elementary and Secondary Education Agencies


Category: Parents and Kids

Important Tips for Cash Child Trust Funds

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Keep in mind that any contributions to a CTF cannot be withdrawn until the child turns 18, and at that time, the child himself can only withdraw it.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.

Motorcycle History For Children — Fun Facts for Motorcycle Coloring Pages Kids

Motorcycle coloring kid, teach other coloring pages kids about motorcycle history. Every motorbike coloring kid needs a coloring buddy. You are the coloring buddy. Let’s roll…

Motorcycle coloring boy, the first motorcycle sold was a Hildebrand and Wolfmuller motorcycle. This was in 1894 when many motorcycle coloring book kids rode bicycles…

Motorcycle Engines and Motorcycle Frames

Bicycle companies put a new invention, the internal combustion engine, onto their bicycles.

When new engines became more powerful the standard bicycle frames, wheels and chains could not handle them.

Bicycle builders decided to make frames made of steel. The steel frames did the job much as they do today.

Most Popular Motorcycle Brands

Before First World War, the largest motorcycle company in the world was Indian Motors. They produced 20,000 motorbikes a year.

By 1920, Harley-Davidson sold more motorcycles in more than 67 countries.

Today, Honda, Kawasaki, Suzuki, and Yamaha are the most popular motorcycles. Harley-Davidson is still a motorcycle driving force in the United States.

BMW, KTM, Triumph, Aprilia, Moto Guzzi and Ducati are also popular new motorcycles to buy…

Motorcycle Parts

Motorcycle coloring pages kid, a steel or aluminum frame holds modern motorcycle parts and motorcycle accessories.

Telescopic forks hold the front wheel, and disc brakes. Expect a one-cylinder to six-cylinder gasoline powered engine.

The engine is coupled to a manual, five- or six-speed sequential transmission with a swing arm-mounted rear wheel by a chain, driveshaft or belt.

A wind tunnel helps the motorcycle makers mimic real-life riding conditions. Different motorcycle racing speeds test seating and body positions.

Experts can judge the best riding positions for racing motorcycles, off-road motorbikes and street motorcycles…

Motorcycle Accessories and Motorcycle Gear

Designed for comfort are various modern motorcycle attachments.

A “Motorcycle Fairing” is a plastic or fiberglass shell. It fits over the front frame of the motorcycle. A fairing helps move the motorcycle smoothly and protects the engine in an accident. Fairings on touring motorcycles improve your comfort and alertness on long rides. They reduce the harsh wind, cold and rain on your body…

“Windshields or windscreens” are built into a fairing or be attached to an unfaired motorbike. They are of transparent high-impact plastic. They direct airflow over or around your head. If you would like to raise and lower the windscreen with the push of a button, get an electric windscreen.

“Saddlebags or Panniers” rest on either side of the rear wheel to carry parts, tools, and, or travel gear.

“Heated Handgrips and Heated Seats” keep you warm in the cold and during night rides.

“Motorcycle Luggage Racks” remove the need for motorcycle backpacks. They are a more secure and safe way to add carrying capacity to your motorcycle…

Gay surrogacy best method for becoming parent

With the help of the gay surrogacy option you can easily have your own child. Having a child of your own will provide you with the happiness for which you waited for a long period of time.

The gay couple cannot start their own family because biologically it is not possible for them. In such situation they look out for different sources and methods that would offer help in starting their own family. Every couple dreams of having their own son or daughter. Without a child the family is always incomplete, to complete the family you require a child. But what about the gay couples when they wish to have their own child. They do not have any option available with them. In such case the one way that they can opt for is gay surrogacy. It is considered to be a reliable method when you want to have a child of your own. Many gay couples have started realizing the importance of this option. In early days the gay couples were not allowed to have an affair but now it has been legalized. In the same way there are a few states and country where gay surrogacy is not allowed but they can fly to other states for availing such services. This is the only source through which the gay couple can start their own family. There is also adoption method but it is very time consuming and lengthy so it is better that you do not waste your important time in such lengthy procedure. In the surrogacy option you can search for the various agencies that would offer you such type of services.

You will get a lot of agencies that will provide you gay surrogacy services. They will also make you available with the surrogate mother. There are a few tests that they will first carry out on the surrogate mother and the one of the person from the couple who will donate his sperms. The entire test will be carried and will be examined by expert doctors. If both the mother and father are compatible physically then only the procedure will be carried out further. If there is any negative in the tests then and there only the procedure will be stopped.

The mother will carry your baby for the period of nine months and till then you will have to bear all the expenses of the mother related to the child. The service providers will make sure that you get your baby healthy and wealthy. You will not have to wait for too many weeks and they will make sure that you can take your baby home as soon as possible.

Surrogaycy.com offers Gay Parents the most reliable sources and treatment options for Gay Surrogacy, Gay Adoption and Gay Surrogates.

Childrens Allowance And The Connection To High Self Esteem

Money is something everyone wants. It is something we are all looking to earn, hoping to make more of and never seem to have enough. Teaching our kids how to handle money is something parents should think about while the kids are young. It helps in their development, and will teach them to save and not throw their hard earned money away. Childrens allowance feeds their self confidence and self esteem. Earning it and learning to control it gives them a sense of power and offers them choices in their own lives.

Kids learn how to build their work ethics. If they are allowed to earn money for chores and other incidentals, it motivates them to do the best work possible. It teaches them that they will be compensated for a job well done. Money makes us all feel valued and kids are no different.

Kids who earn their own money on a regular basis find that they are able to make some of their own choices. They have a little power as they have the opportunity to decide how they spend their money and how much they can save.

There are many great learning opportunities when kids are earning money. They have the chance to make decisions such as how much to save, how much to spend and when to lend money to someone else. All these lessons build character and will make them stronger as they get older.

They learn that if they really want something, they can plan for it. They find that time is on their side and saving their money will get them where they want to be.

Parents who pay childrens allowance are creating people who will learn to be responsible as adults. They will learn the lessons of savings, why it is important and how to save on a regular basis to keep their savings growing. They will learn to value their money and in turn, they will value themselves.

Parent Child Relationship-Astrology predictions 2010

This New York Times article reveals how animals use their relationship with children to improve their social standing. This isn’t very different from humans where we too derive pleasure from our children. We feel happy seeing them play. We put big burden our expectations on their small shoulders and really, like the male Barbary macaques mentioned in the article, we -strengthen our social clout- through our children. Coincidently, I was reminded that it is father’s day today. After playing with my son with some time, I was tempted to dust off my notes on astrology on how to judge children through horoscopes. Any adept astrologer can easily tell the following about your child ESSENTIAL ASPECTS OF CHILD’S CHARACTER EMOTIONAL PANORAMAS IN THE CHILD RELATIONSHIP WITH THE MOTHER CHILD’S PERSONALITY FRIENDLY RELATIONSHIPS AND SOCIAL ATTITUDES THE POWER OF HIS MIND EDUCATIONAL ACTIVITIES AND BUILDING VALUE A relationship between a parent and child is a complex one. Responsibility and expectation does not always balance each other out. Both the parties grow together and as everyone gets older, maintaining the relationship is not necessarily a piece of cake. To judge such a relationship, we need to look at 5th house in parent’s chart and 9th house in the child’s chart. Due to Bhavat Bhavam, both 5th and 9th become important as 9th is 5th from 5th and 5th is 9th from 9th. In general, we should look at influences on 5th house and its lord to determine how the relationship and association would be in future. Happiness through children is indicated if there is a positive influence through Moon, Venus and Jupiter. Similarly, unhappiness would be caused by Saturn and Rahu. Afflicted Mercury causes worries, Mars causes danger and Rahu can be the cause of scandals. Adverse navamsha and saptamsha positions of well placed planets in rashi chart cause misunderstanding. Placement of 5th lord in various houses is important. A good yoga/combination between 1st and 5th house lords predicts a good relationship. A good combination between 5th and 7th or 9th house lord predicts that the parent would benefit from foreign travels of the child. If there are negative influences, the relationship would be estranged by distance. Similarly, if the 2nd house is involved and there are a lot of negative influences, a parent might not be able to support the child financially. The rules explained above are from the perspective of a parent, but can be turned around and looked from the perspective of the child as well. Take an example of 10th house – an unfavourable combination between 5th and 10th house would mean that a person would neglect his/her children for career. A similar combination involving 9th and 10th house would mean that a child will not get enough support from parent because of the parent’s career aspirations

Finding Great Books For your Kids and Preschool Education Time

Preschool Education Time

I received an e-mail from your dad of three kids, who is struggling to choose between sending his three and a half year old daughter to school three days or five. With a six year old heading for the same school his daughter will attend, it will be convenient to take both youngsters each and every weekday. Obtaining a two year old at home also means that it would be easier to have the two older siblings out of the property every single day.

Yet, five days just feels like too a lot school to this father, and he wonders if three would be better. Heres what I told him:

I love that you care so much about doing the “right” factor, but I will tell you appropriate now that whatever decision you make, it will likely be proper and also the greatest part is that nothing is irrevocable in the chance it doesnt work out. I would equally weigh two factors. First, your daughters temperament. If shes a go-with-the-flow kind of kid, she will likely thrive whether she goes 3 days or 5 days. The second aspect is your wifes well-being. If she is not ready to give up her time with your daughter and she would love to nvest those two days with her, that is really essential.

About the other hand, if the baby is keeping your wife busy and it will be complicated for her to keep both girls occupied in a seriously positive way, five days could possibly be a better choice for the family. The reality that your son s going to be within the same school will make the transition even easier for his sister, knowing that her big brother is in the building if she needs some reassurance.

The bottom line is that you are able to start out putting her in five days and see how she does. Give it a few weeks though before pulling the plug. If following three weeks she appears irritable or overwhelmed, back her down to three days. In my opinion the decision is less about age than the childs temperament and the familys needs.

The last thing I will tell you is that while this decision is quite crucial now, and I admire your research in trying to do the appropriate thing, whatever you decide will not affect your daughter in the extended term. Little ones adapt. The school you choose is much more crucial than the amount of time she spends there.

Fun-filled Outdoor Play Toys To Keep Your Kids Happy!

Kids now-a-days spend more time in front of the television or computer rather than playing outdoors. This means they get very little exercise and even less time to interact with other kids. My kids used to do the same until we got some really cool kids outdoor play toys from BIGshop.com.au. It really worked. Now I see my kids having fun outside, enjoying the fresh air and the company of other kids. Needless to say I feel so happy.

If you too want to let your kids discover how much fun playing outdoors can be, then I suggest you get some great outdoor play toys for your kids from BIGshop.com.au. Youll find an amazing collection of kids outdoor play toys, which will not only delight your kids but will also be light on your pocket. From pool play toys to other toys, there is no shortage of outdoor play sets here.

On hot summer days, what can be more relaxing than spending time at the beach? If youre planning to take your kids to the beach, then make sure you take along sand and water kids outdoor play toys, such as the Hunter Leisure Bucket Beach Set with Watering Pot, the Sand & Water Table Multi-Play or the Wader Bucket Set with Watering Can. Not only will your kids have a great time; even you can relax.

Kids are very inquisitive and learn very fast. A great way to introduce your kids to sports is through sports-related toys. At BIGshop.com.au you can pick from a variety of sports-related outdoor play sets such as the Halsall Fun Sport Tennis Trainer, CT Sports Pro Cricket Playset or the CT Sports Metal Deluxe Golf Set. Who knows, your kid might very well become the next Tiger Woods or Ricky Ponting.

The next time you want to get your kids fun-filled outdoor play toys, log onto www.bigshop.com.au.

How To Make Your Home Safe For Children

When it comes to children and home safety, adults need to turn their attention to those areas of the home that present the most danger. According to the CDC, the areas of the home that are the most dangerous for children include the bathroom, the kitchen and areas that contain stairs. There are a few simple ways to ensure your kids are as safe as possible within a home:

Safety in the Kitchen

There are many dangers present in the kitchen, including stoves and cupboards filled with chemical cleaners and water that children can slip on or drown in. When it comes to the cupboards, parents should ensure that they put stoppers onto the drawers so that their kids are not able to open them up completely. Poisonous substances, such as chemical cleaners, should be placed in a locked cupboard, and any heating surface, such as the stove, should be supervised when in use. Parents should remember to lock the fridge door; if a child gets stuck inside, they could easily suffocate or die from hypothermia.

Electrical Cords and Sockets

Children will often explore every inch of the home, and this includes the electric cords and sockets that they come across. Cover all electric sockets when they are not in use so that your kids do not stick their fingers into them and electrocute themselves. Do not leave electric cords in reach of small children; if they are attached to an appliance, the child could pull on it and have the appliance fall and injure them.

Protecting Your Little Loved Ones from Stairs

When it comes to stairs in the home, parents should ensure that young children do not have access to this area, or they could easily fall down them. Install gates at the top and at the base of the stairs so that children are not able to get up or down the stairs without adult supervision.

Sharp Corners and Edges

The best way to ensure that your home is safe for your kids is to view your home through their eyes, so get down on your knees and start looking for edges and corners that could cause them injuries. Tables, countertops and even artwork can cause bruises and scrapes as children walk or run past them; by covering particularly sharp areas with some rubber, you can rest assured that your child will be safe from harm.

Parents need to remember that while they can take the appropriate measures to ensure their homes are safe, there might be times when injuries simply cannot be avoided; for this reason, a child should be constantly supervised.

Book Review Don’t Call Me Names Learning to Understand Kids with Disabilities

In her children’s book, -Don’t Call Me Names: Learning to Understand Kids with Disabilities,’ author C.W. Graham uses poetic rhyme enhanced with illustrations to tell a story that is designed to help young children understand other children with disabilities. The book teaches children not to fear or tease children with disabilities, but instead, understand and appreciate their differences. The fundamental goal of the book is to promote respect, compassion, and friendship with children who have disabilities.

In the book, Graham presents a number of children with various disabilities that includes: hearing impaired, Muscular dystrophy, Autism, visually impaired, and a child born with a disability that makes her much smaller than other children her age. Within each child’s story, Graham gives a description about each disability and how it affects each child in their daily lives. She underscores how each disability affects how each child functions in normal daily activities, and that the children are still like other children, but have to make adjustments in how they learn and play. Messages are conveyed about treating children with disabilities such as, -Always treat others as you want them to treat you.’ At the end of the book, Graham provides a summary of the messages of the book, a glossary, a discussion guide, model questions, and a list of website resources.

-Don’t Call Me Names: Learning to Understand Kids with Disabilities,’ is an imaginative and fun book to help children learn about children with disabilities. The text, written in a lively poetic rhyming scheme, and the images which are beautifully illustrated with vibrant colors depicting happy and fun loving children, helps children to understand and remember the important messages. As well, it conveys the concept that there is no need to feel uncomfortable or nervous around a child with a disability. It sends the message that being different is something that should not be feared as we all have our differences which is what makes each of us unique.

C.W. Graham delivers a well-crafted book about helping children understand and appreciate children with disabilities. It is a fun and easy to read book that is highly recommended for parents to read and discuss with their children. As well, it is an excellent teaching resource for teachers. -Don’t Call Me Names: Learning to Understand Kids with Disabilities’ is highly recommended for parents and teachers who want to teach children about accepting and embracing people with disabilities.

Tracy Roberts, Write Field Services

Publisher: eMerge Publishing Group, LLC (March 31, 2010) ISBN: 0982569920 Purchase: Amazon.com

Getting A Firewall To Protect Your Kids

Your kids have the potential to attract malicious internet attacks and unwanted people from taking over your system. This is because they may not have the ability to know if the sites or programs they are visiting and using are safe or not. And this is not their fault. As a parent, you should always take the initial move to take care of your kids whenever they go online. One way to do it is by setting up a good firewall.

A firewall is a computer security device that prohibits illegal access to your computer. In physical analogy, a firewall is like a main door of your house with security lock the separates you from the outside world. If someone wants to enter through your door without a pass, that someone can’t enter. The firewall can automatically decline the entry attempt of other network from your computer.

What does this say to you and to the safety of your kids?

Kids can accidentally or intentionally enter unsuitable websites, receive unsolicited email, or engage in scandalous online conversation without their parents knowing. And without something to block these things, kids may be standing in direct danger, as well as the computer.

A firewall allows parents to dictate the traffic of your system; just like the power to dictate who is allowed to hold the pass to your house. Parents can set and configure the security level of the computer which can protect your kids from illegal access that can protect your kids’ personal file and personal information. This is called pin-holing. A firewall makes sure that the system inside your computer is safe from the outside threat trying to get inside as well as those coming from the pre-existing programs of your computer attempting connect with the internet.

It must be made clear that a firewall isn’t capable of protecting your kids from phising, scams, and online predators. They are a whole different treat altogether. So if you want to protect your kids from these threats, you need to get a different program like web filtering software. A firewall only prevents these dangers from happening by blocking the access to these sites.

Again, firewalls enable parents to keep the computer clean from maliscious attacks and protect your kids by making sure that they don’t attract anyone who tries to takeover your computer and get vital information about your family.