Studies are showing that when children learn how to meditate, they learn how to handle their emotions better and are capable of self-soothing when situations arise. No matter how old your children are, it’s never too late or too early to teach them a few practices. Teaching them also ensures that you are also taking some time out to do a bit of meditative practice. Here are some of the best tips I can give you on teaching your children this invaluable skill.
Archives for June 2019
Creating a functional and comfortable bedroom for your kids can be tricky. As they grow and change, so too will their size, tastes and habits. It is an important to consider the future when designing a space if it is to serve them well through their childhood. So, what is involved in designing the perfect bedroom for your growing child or children?
A vital part of this process is picking the right kids bedroom furniture, as this will dictate the space and storage options. With the right kids’ bedroom furniture, the battle is almost won, leaving you to have fun with the project (which is important!). There are also some simple ways to create a space that they will love, such as getting them involved that make the experience even more personal. Here are some tips to make designing your child’s bedroom hassle free.
Room to move
As your kids grow and navigate their way through life they will need somewhere to dream, confide in friends and let their imaginations flourish. Tight confines make it hard to achieve this as less room to move freely can really put a rain cloud over their mood. Consider corridors of movement when arranging furniture, and if you can, make use of multipurpose furniture pieces. We have shopped around for you and found that Domayne has the best quality range of Kids beds and furniture, so jump on their website or visit your local store for some inspiring ideas.
Keep it organized
Having a place for everything is vital to keeping a room clear of clutter and can give you so much more space. The same principles of organization and storage can be applied here. A kids desk like this one from Domayne can give your child a place to study and make discoveries whilst providing ample storage via slide out draws. Kids bedroom furniture can be found with clever storage spaces that will help keep clutter off the floor.
Can my friend sleep over? Did you have to think about that? Is little Billy going to have sleep on a pile of kid’s cushions? Maybe he can sleep out on the lounge with the dog? Consider options like a trundle bed or maybe even bunk beds when choosing a bed. Trundle beds are a discrete way of adding another bed to a room and can be hidden when not needed. Bunk beds can offer an extra permanent bed while taking up no more floor space than a regular bed.
Let them have play a part
Let your kids have a say in the designing of their room. You might think her favourite color is red, turns out, its sky blue. Designing a room with your children is a wonderful way of learning more about your children. You may learn something new and your kids may too. It makes a lot of sense to involve your kids in the choosing of kid’s bedroom furniture, not only will your decisions be made clearer, they will cherish the space even more if their input is allowed and considered.
When it comes to designing a kid’s bedroom, your life can be made easier by choosing the right furniture. The right bed will give them a restful sleep and perform other duties such as hosting the occasional sleep over or hiding clever storage drawers. A desk can give them a place to learn and create whilst keep the floor free of clutter. Designing a kid’s bedroom should be fun, so involve your kids and get designing!
Has your child’s dentist recently mentioned that it might be time for your kid to see an orthodontist? Have they brought up the dreaded B-word: Braces? If so, you’ve probably got a lot of questions and maybe some anxiety. After all, orthodontic work can be expensive.
If you’re asking yourself things like when should my child see the orthodontist for the first time and what’s the best age for braces and, most importantly, how can I afford this? Fear not. Read on to find out everything you need to know about getting braces for your kid.
A vast majority of us feel like we don’t have enough time. We wake up exhausted, run around all day, go to sleep exhausted, and barely sleep because we are thinking about the next day. We may pride ourselves on getting a lot done but we also berate ourselves about not getting enough done. Stop. Slow down. Let’s review your time management. Time management is not about cramming everything into one day, it’s about making the most of our time. Here are a few tricks I like to use to make sure that my time works for me.
If you just had a baby boy, you’re probably already thinking about circumcision. To make this decision, you need to understand the procedure.
Male circumcision reduces the risk of HIV acquisition by 51% to 60% in men. Despite its known benefits, male circumcision is a rare procedure. So should you circumcise?
The decision on whether to circumcise or not is personal. The medical reasons for circumcision should guide you in making the decision.
The following is a guide to help you make the decision on behalf of your son.
Should You Circumcise Your Son?
Circumcision is a surgical procedure done within the few days after birth. Male circumcision becomes complex as one gets older. This medical procedure has significant medical benefits, making it a worthwhile practice.
Does circumcision hurt babies? Well, the Pollock Technique is a gentle procedure. It ensures that your baby experiences less pain and recover fast.
Removing the foreskin goes a long way in preventing some infections.
The Health Benefits of Circumcision
The benefits of circumcision are vast. Yet, they are not enough to make the procedure universal. If you are considering infant circumcision, by all means, go for it.
The health benefits are worth the sacrifice. Removal of the foreskin addresses several bacterial infections. Nonetheless, circumcision should not replace other preventive measures.
Circumcision reduces the risk of getting urinary tract infections. The foreskin can hide bacteria responsible for such infections. Studies show that children who undergo circumcision are less prone to UTIs.
One of the impacts of circumcision is its reduction of HIV acquisition. Male circumcision reduces many cases of HIV infections in men.
Male circumcision offers partial protection against HIV once the man is grown up. Male circumcision prevents phimosis, which is a tight foreskin. It also deters paraphimosis in men.
It is easier to clean the tip of the penis when one has undergone circumcision.
Circumcision protects one against penile cancer. The risk of penile cancer among hygienic uncircumcised men is also low. This discrepancy calls for more evidence.
Circumcision helps in maintaining genital hygiene, which prevents many health risks. In fact, the main reason people circumcise is the health impacts related to hygiene.
What are the Risks Associated with Circumcision?
While infant circumcision is a low-risk surgery, there are some possible side effects. Few babies experience complications, which include bleeding and infections.
In some cases, there is scarring and numbness on the tip of the penis. The pain the child might experience affects the brain chemistry leading to attention problems and anxiety.
So, Should You Circumcise? the Decision to Circumcise Your Son Is Personal.
Circumcision is irreversible. As such, understand the arguments for and against the procedure. The information should help you make a knowledgeable decision.
Should you circumcise your son?
Choosing to circumcise your son should not be a coerced decision. Information on the procedure is available upon request from your pediatrician. Research more so that you can understand the whole idea of male circumcision.
If in doubt, consult a certified pediatrician. The long-term health of your child should be a priority.
For more interesting topics on your kid’s health and lifestyle, check out our parenting section.
In the United States, half of its population is actively engaged in investment in the stock market. 20% of the left out population in the investment opportunity don’t invest because they are unaware of how the stock market works. 16% of the remaining population consider investing in stocks as risky or find the brokers untrustworthy.
From an economist’s perspective, buying stocks can be a wealth generation strategy for individual investors. It’s important to gain knowledge about the stock market as it comes with its own risks and rewards. For Americans with extra cash in their pockets, it’s one of the most popular investment vehicles in the nation.
To better understand how investing in stocks is approached, here is information to help us understand how the market works.
Definition of Stock
A stock, also known as a share, is the certificate used by companies to show ownership. It’s a slice of the company owned by the shareholder equal to the number of shares as a portion of the company’s outstanding shares. Most companies have shares that are equivalent to millions or billions.
What is the Stock Market?
A Stock market is a regulated environment that facilitates the buying and selling of individual stocks. It’s essential to have stock markets in existence as they provide the platform for the exchange of the stocks.
Another importance of stock markets is to ensure that the trading of shares is operated in a secure, regulated and transparent manner. Stock markets are different and as such prudent investors prefer to trade only in trusted stock exchanges.
Why a Company Issues Stocks
Most of the successful corporate giants are likely to have started off as a small enterprise. Technology powerhouses start off as small entities but rise by investing in stocks. Achieving such success requires massive amounts of capital and most companies consider the stock investment as their option.
In order to implement the business idea, the entrepreneur requires a specific amount of capital. The capital aids in hiring employees, buying equipment and putting in place a sales distribution network.
Companies can raise such capital through by selling shares. Debt financing would seem like a simple and viable opportunity, for start-up companies. It can be a problem as long-term debts need pledging of assets by the company.
In the case of a start-up business, it may not have enough assets to achieve this. These companies will opt for equity financing to meet the capital requirements rather than obtaining a long-term loan.
Once a company has established itself in the market, larger amounts of capital may be required. The capital is used to run an increase in the funds for operations. Selling of the shares to the public is done through running initial public offering.
This also facilitates the change of a company of a private company to a traded company. This process offers early investors to cash out part of their stake in a bid to reap rewards. Upon being listed in the stock exchange, the stock prices fluctuate as investors and traders assess and reassess their value.
What is the Stock Exchange?
Stock exchanges are platforms where owners of shares interact and are able to transact with potential buyers. Companies listed on the stock exchange do not necessarily indulge in the stock trade on a daily. The buying of a share from the stock market is simply buying a share from another shareholder.
Selling a share also involves a shareholder and a potential shareholder and not the company itself. Professionalization and regulation have ensured buyers and sellers of shares can trust the process to ensured it is a success.
The Setting of Share Prices
There are many ways of setting share prices but the most common way is through auctioning of stocks. The sellers offer a given stock price and potential buyers bid their way up until the stock is sold to the highest bidder by the seller. The stock market is made up of millions of investors and traders.
Their trading activities are responsible for fluctuations in the stock prices. The stock exchange acts as an intermediary who links the buyers and the sellers in the stock market. To get access to the stocks, one would need a stockbroker that links the buyer to the seller.
The most common way of acquiring a stockbroker is through the creation of an account with an established retailer.
Linking Buyers to Sellers
Most stock markets use the skills of professional traders to maintain continuous bids and offers. Since buyers and sellers might not meet at the convenience of the other. A two-sided market consists of the bid and the offer, and the spread in the difference that occurs in the bid and offers.
If there is a good number of buyers and sellers at higher and lower prices the market is said to have good depth. The matching of buyers and sellers was done manually but has taken a more computerized approach over the years. Electronic systems can match buyers and sellers faster and far more efficiently than humans can.
Benefits of a Stock Exchange Listing
Every entrepreneur stands to benefit from a stock exchange listing. The process means ready liquidity for from shares held by the shareholders. A listing also ensures a business earns more money used to provide shares to its shareholders.
Listed companies have greater visibility in the market and demand from investors. Their shares can increase the share price as the stock exchange provides stock market news at the end of the day.
How the Market Works
Information on stocks and the stock market is relevant to the potential investors. It helps them are to re-evaluate their investment options. Research has shown that in most occasions investment returns that were stock generated are dominant.
Once you have learned how the market works, consider taking up stock investments. Rather than having your money in the bank, take a risk and invest in the stock markets.
If you enjoyed reading this article, visit our blog for more information.
Bounce houses can liven up any child’s party, but they can also cause it to go south fast if someone gets hurt.
As bounce houses have gotten more popular, injuries have also gotten more common. According to one estimate, there were more than 20,000 such injuries in 2016. In 2003, that number was just over 5,000.
Any parent who overlooks bounce house safety is risking their child’s health. Read on for four items that should be on your bounce house safety checklist.
Watch the Wind
The most dramatic bounce house accidents occur when the wind carries a bounce house away with people inside it.
In 2019, five Washington State teens got hurt after wind lifted a bounce house 15 or 20 feet in the air, then carried it almost 250 feet down a football field.
Experts say it’s up to adults to pay attention to wind speeds in their area. If your phone has a weather app, you should be able to check wind speeds that way.
Also pay attention to sudden gusts of wind. One big gust is all it takes to turn jumping castles into flying castles.
Wind speeds of 20 mph or higher make bounce houses unsafe. If anything about the wind feels unpredictable or otherwise dangerous, it’s best to shut things down.
Secure It Properly
If you rent a bounce house, you should make sure that the person who delivers it also helps set it up. Be wary of any company that drops it off in your backyard and then leaves.
A rental company operator should use stakes or weights to secure the bounce house. Stakes should also be metal, not plastic.
Talk to rental companies about their safety measures before you sign a contract. If you have any doubts, go somewhere else.
Set An Age Minimum
Your three-year-old may love the idea of jumping inside a bouncy princess castle. But children under age 5 or 6 have a higher risk of getting hurt in such structures.
That means bounce houses are a better idea for an 8th birthday party than a 5th birthday party. Younger kids have less body control, which makes them more vulnerable to getting hurt.
It’s also a bad idea to let smalls play with bigger kids. If your 6-year-old wants to play but there are 12-year-olds inside the house already, tell your child they’ll have to wait a bit.
Check Local Regulations
In the United States, there’s no national board that regulates bounce houses. It’s generally left up to states, and some states are a lot more strict than others.
What if you’re outside of the U.S? In that case, you can expect even more variance. A company like Australian Inflatables will have slightly different bounce house rules than a company in Canada.
If you can check safety records in your area, do so. If you can’t, ask each company about its history.
Keeping Bounce Houses Safe
Bounce houses also have a how-to guide printed on the side. If you read that text, you’ll find information like the overall weight limit for the bounce house.
As a parent, one of the best things you can do is supervise the children’s bounce house at all times. If there are kids anywhere near it, there should be at least one adult keeping an eye on things.
Being a parent is stressful, but we’ve got plenty of tips to help you navigate the madness. Bookmark our site to ensure you get the latest updates.
Did you know that almost seven in ten U.S. students in the Class of 2018 have a student loan? Or that after graduation, they still owed an average of $29,800 on private and federal student loans?
As helpful as these loans are, they’re a huge ($1.5 trillion huge) burden. In fact, they’re such a big problem that over 3 million Americans have carried them into their 60s!
This doesn’t mean that your child should (or would) follow suit. However, you do need to prepare for your kid’s college education early. Save what you can now, and you can minimize the burden of student loans later.
Ready to learn the best ways to start saving for your child’s higher education? Then let’s get this list started!
1. Every Penny Counts
We’ll start off with this one, because the earlier you get to save anything you can, the bigger it’ll grow. Having a budget that you can stick to also grows your own savings. And by knowing your expenses, you can figure out where you can cut back.
One such area where you have saving potential is medication. Consider this: in 2017, out-of-pocket costs for prescription drugs in the U.S. averaged $137. Experts say this will go up to $190 come 2026.
Any reduction on those out-of-pocket costs can instead go straight to your kid’s college fund. One way to lower drug costs is to grab offers on prescriptions, like this Trulicity coupon. The initial savings may seem small, but they’ll all add up in the long run.
Utility bills, transportation, and entertainment are other things you can save money on. For example, you can invest now on energy-efficient home upgrades and save more in the many years to come. You may also want to drop your $100 cable bill and switch to streaming instead.
The bottom line is, trim any cost that you can and put the money in your child’s college savings plans. Saving $500 a year on household expenses alone can mean $5,000 (plus interest) after 10 years.
2. Look into the Benefits of a Roth IRA
Although it’s an individual retirement account, you can use a Roth IRA to help cover college costs. Best of all, it grows your money tax-free. The funds you put in it may go towards various investment options, like stocks and bonds.
One of the best things about a Roth IRA is that you can withdraw eligible college costs free of penalties.
Note that penalty-free withdrawals are only for contributions and not gains. Otherwise, you’ll face an IRS penalty.
3. Open an Education Savings Account (ESA)
If you can save at least $2,000 a year (after tax), go for an ESA instead of a regular savings account. This is one of the best college savings plans since the requirements are easier to meet. To top it all off, your money grows tax-free!
Another benefit of an ESA is that withdrawals for education expenses are tax-free. You also have several investment options to choose from. This gives you more flexibility when it comes to growing your money (and how fast you can grow it).
4. Set Up a 529 Education Savings Plan
If you can save even more than $2,000 a year or don’t qualify for an ESA, a 529 plan may be a good alternative. It’s an investment account that you can withdraw against for various college costs. Aside from tuition, it can also cover room and board.
What’s more, you can use the money from withdrawals at almost all U.S. colleges and universities. In fact, there are also over 400 non-U.S. schools eligible for a 529 plan. This plan can cover tuition fees of up to $10,000 per school year and per beneficiary.
Some 529 Plans also allow you to change the named beneficiary. You may have to do this if your child named on the plan doesn’t want to pursue college. This flexibility lets you transfer the plan to your other kid who does want to go to college.
5. Consider an Educational Trust Fund
Another option on how to save for college is to set up an educational trust for your child. You name your child as the beneficiary and another person as the trustee. The trustee will ensure the funds will really go towards your child’s education.
Let’s say you want to cover part of your children’s college costs by giving them $5,000 a year. They may receive this in a lump sum, but they also have to prove they used it for school at the end of the year. Invoices, receipts, or bills are usually used to account for how they used the funds.
You can also have the trustee take responsibility for paying these school expenses. In this case, your kids will show their school bills to the trustee. The trustee then pays for these expenses using funds from your trust.
6. Become a Rental Property Owner
Not only is this one of the best ways to save for college — it’s also a great way to save for yourself! It’s a passive income-generator, so you can still work and make money on the side.
What’s more, renters make up over one-third of the U.S. population. If you choose your tenants right, then you could be looking at a long-term relationship.
The longer they stay as your tenants, the more money you can allot to your child’s college education. Of course, you can also use your passive income for yourself or for the entire family.
7. Master the Art and Science of House Hacking
Another great way to save money, not only for college but for the entire family, is to take up house hacking. If you don’t have the funds now to buy rental properties, you can start with the one you already have.
House hacking is basically having others pay all or some of your housing costs. For instance, if you have a multi-family property, you can clear out the other units for tenancy. Another example is to rent out the other rooms of your existing home.
Since you have fewer housing expenses to think of, you can focus on growing your child’s college fund. Again, every penny that can go towards saving for college matters.
Reduce the Burden of College Education with These Saving Strategies
As you can see, there are many ways to pay for your child’s college education that doesn’t involve a student loan.
Even if your child would still need some financial aid, it would be much smaller. So, as early as now, start saving up to help your child avoid the burden of student debts!
Want more hacks to keep your budget on track?
Then feel free to check out the posts under our site’s Money and Finances section! While you’re at it, bookmark our site, too, and check in from time to time as we bring you the latest news in parenting.
How many times have we read an article on self-care and thought, “yea, but I just don’t have the time!”. Guess what? You can probably find a whole minute or two to try something to help you. I know that not all of us can find time for yoga that doesn’t involve cutting into our sleep. However, there are tiny things that no one talks about that can be done. Here are a few of my tips on things you can do now, while you figure out how to get some extra you-time.
Having children is certainly a big change in any parent’s life. Clearly, new parents will have to undertake a lot more responsibilities. On thing that most parents don’t always consider is whether they can be held liable for their children’s negligent actions that harm other people.
From a parent’s perspective, he or she may believe that a child could be too young to be responsible for these kinds of mistakes. On the other hand, people that are injured from an unintentional or intentional child’s act will want to be compensated for any injuries that they may incur. The ultimate question becomes whether you, as a parent, can be held liable for your child’s actions that can harm other people.
Tort law is a field of law that includes intentional and unintentional acts that harm a person. Torts include intentional torts such as assault, battery, trespass, etc., as well as unintentional torts such as negligence. Negligence occurs when a person breaches a duty that he or she owes to another person and that person is injured (AKA damaged) by that breach.
Children have not had the time, growth, and brain development to understand what is right or wrong and whether their actions can risk harming someone else. While adults have a duty to behave as a reasonably prudent person to foreseeable victims, a child is held to a less burdensome standard of care. A child’s standard of care is that of a child of similar age, education, intelligence, and experience. If children fall below that standard and cause harm or damage to someone, intentional or not, they may be held liable.
Courts have typically held that children under seven cannot be negligent. From ages seven to fourteen, there is a rebuttable presumption that they cannot be negligent. As for children between the ages of fourteen and twenty-one, there is a rebuttable presumption that the child can be negligent.
Children commonly don’t have jobs or assets to pay for their lapse in judgment when they are liable, however. Parents can understandably worry whether they can be financially responsible for the harm that their children create and have to pay out of their own pockets. Usually, a parent will be financially responsible for the acts of their children that harm others, but some states have limited damage amounts. Regardless, being a parent means you obtain parental liability for your child’s actions.
Although children can personally be negligent, parents can also be held liable for negligent supervision of a child. As a parent, you have legal responsibility for your child, so you have an additional duty to supervise him or her to make sure they don’t harm another person. Therefore, even when your child is negligent, you could also be liable for negligently supervising your child. This of course, varies from the state you live in but this additional responsibility can often be asserted in personal injury cases.
To avoid being required to pay for your children’s mistakes, you should always supervise them as well as you can. Children can be difficult to predict, but you have a duty to try to prevent foreseeable harms and dangers to other people. Failing to supervise them properly could lead to being held liable for negligent supervision in addition to having to pay for your child’s tort(s).