Category Archives: Parents and Kids

Maximise Savings for Your Children’s Future With the Newly Launched Junior Savings Account or JISA

Maximise Savings for Your Children’s Future With the Newly Launched Junior Savings Account or JISA

In an uncertain economic climate, financial planning is more important than ever and for anyone with a family, saving for the future has become a top priority. Giving your children a solid financial base insures they have the best possible start in life, whether they want to pay for driving lessons, embark on a course of higher education or choose another path.

Individual Savings Accounts (ISAs) are excellent ways of accumulating tax-free interest on your money but age restrictions limit their availability: cash ISAs are limited to the over 16s, stocks and share ISAs to the over 18s. However, recent changes in legislation have seen the introduction of the Junior ISA (JISA): a savings and investment scheme designed for the under 16s.

Who is eligible?

The Junior ISA was introduced on the 1st November, 2011. Designed to replace the older Child Trust Funds, those eligible for the JISA are:

Children born on or after 3rd January, 2011

Under-18s born before September, 2002

Any child not qualifying for a Child Trust Fund, born between 1st September 2002 and 3rd January 2011.

Each account requires a single registered contact, usually a parent, or person with parental responsibility, who maintains the JISA on behalf of the child.

Unfortunately, children who already have a Child Trust Fund are not eligible for a Junior ISA (this restriction may change in the future, allowing funds to be transferred from the CTF).

How does the JISA work?

The Junior ISA subscription limit is 3,600, which means contributions to the account cannot exceed this amount per year (from 2013, the limit will increase to take inflation into account). Anyone can contribute to the account and neither you nor your child will be taxed on the interest it generates.

The contents of the JISA will not be available to the beneficiary child until he or she turns 18. At this point, the JISA will be converted into an adult ISA – or, alternatively, your child can withdraw the money to use for whatever purposes they have in mind.

In much the same way as adult ISAs, the JISA falls into two categories:

Cash JISAs work in the same way as a savings account at a bank or building society. Money paid in grows as tax-free interest is added to it.

Stocks and shares JISAs involve money invested on the stock market in shares and bonds. While gains may be significant, there is the added risk that their value may drop.

While a child is restricted to one cash and one stocks and shares JISA, any combination of funds, within the subscription limit, can be used across accounts.

Although JISAs have a lower subscription limit than adult ISAs (which currently stand at 10,680), they can generate can deliver substantial returns. A 300 per month investment over 18 years would grow to 114,876, assuming a 6% annual return. It’s worth remembering however, like adult ISAs, the value of potential return can fall and it’s important to monitor any savings regularly.

Make This Christmas Beautiful For Needy Children by Adopting Operation Santa Program

Make This Christmas Beautiful For Needy Children by Adopting Operation Santa Program

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.

Board Games-Kids Personality Developer

Board Games-Kids Personality Developer

How do you and your kids spend a boring Sunday afternoon with nothing to do? Plus at the same time you would love to spend some quality time with your family and in such a situation your best option will be entertainment. When it comes to bonding and entertainment we don’t mean long hours of TV- it’s the worse form of family entertainment for sure. The best option for you to ensure that you have a great time with your family is an interesting board game by China that could give you several options to enjoy. These games could be anything beginning from basic ones like Chess or Scrabble to other larger games. Board game production has also been quite a lucrative industry. Truth is, this can be a great way of spending quality time with your kids and there are several added bonus too in the form of advantages of games.

Below are some of the major advantages that will help in changing your perceptions about them. 1-Increases competitiveness: These have been known to increase competitive behaviour in kids and also in improving their winning instincts. The growth of such qualities at a young age will help in having a successful adult phase. The competitive behaviour is a sign of future success and board games can help in nurturing it. 2-For educational: Educational these are interesting plus they also provide information on diverse topics thus ensuring that your kid gets knowledge along with play. 3-The games induce learning 4-Increase cognitive abilities: Basic mental abilities like concentration, interaction, imagination and decision making, etc can be developed through these games. Most of these depend on decision making and imagination, etc and a child will benefit immensely by exercising such skills. 5-Develop soft skills for life: Other than cognitive abilities, board games also help in developing soft skills for life. Development of such skills will ensure a steady growth and will also let them acquire the qualities needed to solve almost every minor problem that they face in their lives. There are several China games are available. Among them Board games are not to be treated as small trinkets instead they are like building blocks that will help your child in being a person to look up to. We, at WinGo are a reputed centre of board game factory with a huge variety of games to choose from. Our team excels in designing and printing that has been a huge hit all around the world.

Thoughtful Gifts For Your Parents

Thoughtful Gifts For Your Parents

There is a day in a year to show your mum you care and a different day to show your dad how much he means to you. Those are days to actually make your parents feel special by giving them gifts. If you truly want to give them gifts as special as they are, you should consider giving personalised gifts. Any particular item can be personalised through engraving, printing, painting or monogramming it. It is a good thing that there are online gift stores that can personalise any item for you.

The internet does make shopping for gifts a lot easier. For instance, you can try searching for gifts for men Ireland and you will get lots of online gift stores with lots of items to choose from. Searches that include a particular location can ensure that you get the right stores that will actually deliver the items you order right to your doorstep. If you are trying to come up with gifts for Mothers Day, you can also try searching for experience gifts that can help her rest and relax. It is really rare for any mum to have some me time which is why experience gifts are probably the best gifts for women. Try treating her like a queen and do not let her lift a finger for a single day. That will probably a treat she will never forget. If you cannot give her such a gift, a trip to the spa can be the next best thing. At the spa, she can get a massage, facial, manicure and even a pedicure. Another alternative would be to pamper her at home with bath salts, oils, confetti, moisturizing lotion and aromatherapy candles.

Treasures and other trinkets can also be great presents for mum. An engraved trinket box with a particular design that she will love can be useful and still have that personal touch. If you have the means, you can even give her jewelry to store inside that trinket box. You can have your personal heartfelt message engraved on the box as well. It is a good way to tell her how much you love her. More practical mums might not enjoy trinkets at all. For these mums, grow it kits might be better. If she is a really good cook, you can make sure she always has a fresh supply of herbs by giving her grow it kits with herb seeds. As an added note, dads are not so different from mums, but they might have different interests.

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.

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.

What is the most important thing in the game playing? You may guess gold. You are right. Tory will tell you several good place to make RuneScape gold, RS Money and rs gold.

The Affect Of Horror Movies On Childrens Psychology

The Affect Of Horror Movies On Childrens Psychology

The research which is made in relation to this issue shows that children (especially children age 5 and younger and toddlers) including and older children even teens and pre teens face to the same consequences. In the most cases watching a scary movie can produce a serious case of anxiety. The usual symptoms are aggressiveness, sleeping disorder and self-endangerment. But the most often symptom that appears while watching horror movies is shaking or trembling, sweating, crying or screaming, fever, chills and loss of appetite, upset stomach, clinging to a companion, fear of dying, dizziness or faintness, increased heart rate, feeling of unreality, shortness of breath and etc

Among many children, appears the avoidance of real life situations that has been shown before in a fictional way on screen. They feel threatened facing those situations, situations that caused the original fear and they simply tend to avoid them as much as they can.

The appearance of obsession is also common. The subject after viewing the horror movie obsessively talks about the stimulus that produces fear, thinking that if he\she talks about the situations that make him\her fear he\she will release himself\herself and alienate from what he\she has seen.

Nightmares, we all have them after watching something that has scared us to death. Someone has them just one night and the others for longer. No matter how long they last, nightmares put us on a situation to feel again the same fear that we have felt before.

Many adults have learned from their experience to recognize the stimulus that scare them, and they avoid movies and TV shows that content them. Otherwise children still dont know what their fear is or how it appears, thats why we have to be very careful about what we are watching on our screens when they are next to us.

But its a fact that everyone loves a good scare now and then, we all want to test our rate of fear. Thats why horror video games became so popular and they are becoming more and more realistic. Our tip to you is enjoy and work out all you fears but be sure that your children are peacefully sleeping in their worm beds.

But horror movies are not the only ones that you must protect your children from, scary games are also something that may cause them the same effects as a full length horror movie. The scariest part is that these games can be found everywhere on the net. There is no need to say that these games contain a huge amount of gore and bloodbath, especially the torture games, the zombie games can give them all kinds of nightmares.

We all know that its not good when our children are overprotected, but still a little control now and then doesnt hurt anyone.

Kids Scooter Accessories Increase Outdoor Fun

Kids Scooter Accessories Increase Outdoor Fun

The timeless scooter is a lot of fun and a wonderful form of exercise. Using a scooter helps children improve their balance and agility and helps build physical endurance. Scooters have long been a popular choice for kids when it comes to outdoor play.

Why not enhance a child’s scooter with Kids Scooter Accessories?

Any girl would most definitely love to have her scooter decorated with beautiful flower stickers and sparkly gems. A boy would enjoy being able to personalise his scooter with some cool flame stickers. Perhaps a child would like to decorate their scooter with their name using alphabet stickers. There’s no need to worry about the quality of the stickers. They are made of PVC and are weather resistant.

Of course, boys and girls alike would enjoy having a fun horn to honk as they make their way around the neighbourhood. After all, the more noise, the better as far as children are concerned. Don’t forget the streamers! Pink, blue and long, short are just a few of the options that exist as far as streamers are concerned.

As always, safety is a very important consideration for any parent when it comes to the toys their children use. There are various micro scooter accessories that are available to help improve the safety of a scooter such as non-slip grips that allow the child to have better footing when riding a scooter. The grips come in fun designs and, just like the stickers, are made from weather resistant PVC.

Of course, as a parent, while it is a lot of fun to take your child to a nearby park to ride his or her scooter, kids may get tired after having been so active, and the mom or dad may have to carry the scooter home while the child rests comfortably in their buggy. An easy solution to this is to buy a scooter hook. It easily hooks to the buggy’s handlebars and frees up the parent’s hands.

Kids Scooter Accessories will make your child’s scooter stand out from the crowd which will encourage your child to use it more often. They are perfect for a birthday or holiday gift or perhaps even as a reward for a recent accomplishment your child has made. Kids Scooter Accessories are such an affordable way to inspire your child to be more active outdoors!

Buying childrens toys for the holiday season

Buying childrens toys for the holiday season

When Christmas time draws near the sales of toys increases significantly and most toy companies make use of this to flood the market with new toys to attract children. While the vast majority of toys in the market are more a marketing ploy that adds very little to a childs development there are some toys that are beneficial to a childs development. Parents need to learn how to navigate through the toy department to find childrens toys that actually contribute positively to their childrens development and enrich their play.

Instead buying the latest gimmick toy on in the market parents should shop around and try to find toys that are educational and developmentally appropriate for their children. Childrens toys should be age appropriate and they should in some way contribute to a child gaining skills in cognition, motor- coordination, creativity, and imagination. Since play is a huge part of development parents should use toys as tool to help their children gain the skills they require for the future. Toys that are created specifically to challenge and foster these skills are ideal Christmas presents for children.

Since quite a lot of money is spent on toys parents should make sure that the toys they purchase are made well and produced using high quality materials. Some toy makers and brands take a lot of trouble to ensure that the toys are made with non-toxic raw materials and that they are sturdy and durable. While major toy stores will stock toys from a wide range of toy companies without much thought as to the beneficial value of the childrens toys they sell, some smaller toy vendors sell toys that are crafted specifically with a childs development in mind. Parents should avoid going to the first childrens toy store they see. Instead, they should shop around, especially online, to find a store that caters to their childrens developmental needs. A store that supplies toys that are made with quality in mind as well as serves some educational or developmental purpose to children should be a parents first choice.

Childrens toys such as puzzles, blocks, pretend play toys, arts and craft games and toys are all great choices for Christmas presents. These types of toys develop cognition, fine motor coordination, visual perception, creativity, imagination and social skills. Different toys target different skills and are made for different ages groups so parents should choose toys that are age appropriate.

Through play, a child can learn so much and practice and fine tune the skills that they need to develop in a fun and multi-sensory way. It is a parents job to provide their children with the correct tools to aide development by buying toys that are educational.

Useful Vegetables For The Kids

Useful Vegetables For The Kids

Your kids extremely need many useful nutrients to support their growth. They also require the great immunity to lead them to the perfect growth. The great immune system in the body is really important because it could contribute the protection from any diseases.

Fortunately, you could provide the amazing vegetables for your lovely kids to fill their needs of useful nutrient. Eating delicious vegetables in their daily menu, the kids would get the great immune system naturally. The list of vegetables below would inform you about the benefits of certain vegetables that would be really useful for the body.

1. Spinach
This is the famous green vegetables that contain vitamin C, beta-carotene, iron, antioxidants, potassium and chlorophyll. Spinach could be the great power in the body to fight the free radicals and cancer.

2. Potatoes
The other vegetable that would contribute the useful nutrients are potatoes. They are rich of vitamin B6 and vitamin C, which are really useful to improve the immune system of the children. Moreover, the potassium content of these potatoes could prevent hypertension.

3. Garlic
It is the useful vegetable with vitamins B6, magnesium, phosphorus, selenium, iron, amino acids, and also antioxidant. The excellence of garlic is the capability as anti-bacterial and anti-virus. In addition, it could fight fever, keep a healthy heart and fight cancer.

Garlic is also reliable to protect the kids against infection by producing more antibodies and white blood cells. The antibodies in Garlic could be really effective to fight infection and kill parasitic worms in the body.

4. Tomatoes
These vegetables are popular to increase the immune system of your kids. Tomatoes contain vitamin A, B1 and C. They could purify the blood of the heart. Also, they could prevent various diseases and other health problems such as treating diarrhea, cancer, and gastrointestinal disorders.

5. Carrots
Many people know that carrots contain more vitamins A. They are really useful to maintain good eye for the kids. They also have useful functions to increase physical stamina.