Articles from: January 2017

Medicare Eligible. Can My Adult Child Stay On My Work Insurance

family16

I am 64 years old. I still work and have my health insurance through my job, but I am thinking about enrolling in Medicare around my 65th birthday, regardless of whether I retire or not. If I do that, can my child stay on my work’s insurance plan? He is 23 years old, and a full time student with a part time job that does not offer health insurance. I am worried about what will happen to him if I go elect Medicare coverage.

The short answer is no. Your child cannot stay on your work health plan if you are not enrolled in the plan. This is very common situation as Health Care Reform has expanded the age of dependents for health insurance purposes.

Prior to the new health insurance law, adult children were generally ineligible to stay on their parent’s plans beyond 19 years old, but Obamacare has changed the age to 26. The effect of this change is that millions of young adults have been able to maintain health insurance coverage through their parent’s health plan. The downside to this is that many parents find themselves eligible for Medicare (click here for Medicare Explained) but unable to participate without leaving their adult children uninsured.

What to do? Your adult children should buy an individual health insurance plan of their own. It was never a great solution for them to be on your health insurance plan to begin with, as we describe in this post. And, effective January 1, 2014, there are even more reasons:

1) There will be premium assistance credit’s available, on a sliding scale, to those who’s income falls within Federal Poverty Levels. This applies to many young adults just starting careers, finishing college and graduate school, or who are unemployed.

2) Individual health insurance plans now offer Affordable healthcare act summary , which drastically improves coverage and the need to pay for health expenses out of pocket.

3) There may be tax implications to your child on your health plan, if they are non-dependent for tax purposes. What is the impact on HSA’s, click here.

Lastly, and this is not a new reason, but it is the best reason: you and your adult child are at different stages of life and have MUCH different health care needs. Your health insurance plan should be different than your child’s health plan for the best, most affordable health care for all of you.

Student Credit Cards What Every Parent Should Know

family15

Your young adult offspring is heading off to college for the very first time. Chances are she is well equipped with all of her bedding, music,laptop computer, compact refrigerator, and a whole assortment of other items in tow to keep her happy. There is one thing that you may have overlooked, a real help for students and a godsend for parents: a student credit card. Yes, credit cards are an invaluable part of every student’s college experience if used wisely. Let’s take a look at some benefits of giving your son or daughter their very own credit card.

Let’s Buy Books. After paying tuition and boarding costs, it can be easy to overlook another big expense: books. Do you really want your son or daughter to carry around hundreds of dollars in their wallet to pay for books and supplies? Probably not. All college bookstores take student credit cards and with every credit card statement you can easily and accurately track expenses for tax purposes. No need to collect a bunch of receipts either: the proof is on the credit card statement.

Incidental Expenses. Likely, your child enjoys some “cooling off” time especially after completing exams or working on a difficult school project. A credit card can be a good way to pay for a couple of pizzas or provide for a night out at “the game.” In addition, if your son or daughter wants a new pair of jeans or shoes, a student credit card will help them make that purchase.

Life’s Little Emergencies. God forbid, but if your daughter has an emergency and must be rushed to the hospital, in many cases she must show payment information along with her personal identification and medical card before being treated. A student credit card can fast track your daughter to wellness and give her help in a time of crisis. When you cannot be there to help, a student credit card can provide quick access to needed care.

Road Wise. If your student goes off to college and he takes a car with him, how will he and you handle a problem if the car requires maintenance or repairs? Wiring money is aggravating and a hassle especially if the emergency occurs late at night or on a weekend. By equipping your student with a credit card you can get his car running again and give yourself and him plenty of peace of mind.

Yes, you must counsel your child to use their student credit card wisely. By reviewing every credit card statement monthly, you can help your son or daughter show responsibility and achieve financial independence.

Find tips about bearded irises and iris care at the Iris Plant website.

Importance Of Preschool Development For Your Child

family6

When children reach the age of three, they essentially embark upon a very crucial part of their lives. They meet people and participate in activities that will have a profound effect on them, thereby making the need for preschool development even more important.

Given the sensitive and curious nature of children at such a tender age, providing proper preschool development to them is no longer an option, rather it is required. This article will highlight some of the benefits of this approach in order to emphasize its importance to parents. Any parents debating the benefits of sending their child to preschool will also find this article very useful.

1. Encouragement to Speak Your Mind

One key indicator of good child development and growth is the childs ability to communicate and speak his/her mind. Many children are shy to speak at first. Parents and teachers should play a leading role and take the first step in getting the child to open up. This requires that the child be completely comfortable with the surrounding and the people in it. Aside from home, Montessori schools are an ideal place for a child to develop and improve their communication.

2. Emphasis on Interaction

A child learns invaluable lessons at home. It is arguably the best education institution early on. However its potential is limited. Children are always comfortable at home. They need to be exposed to the outside world and be given ample opportunities to communicate and interact with people who are not part of the household. Preschool development revolves around this school of thought.

3. Learning the Importance of Teamwork

Children are paired in teams and groups where they learn to work together and understand the importance of teamwork. This serves as a means to improve their communication and interaction with their peers as well as their teachers.

4. Acquiring Good Learning Habits

An integral part of good preschool development is to create a desire in children to learn. In order to do so, preschools implement numerous programs designed to make learning more appealing and to motivate children to better themselves as students and human beings. Children can get bored very easily so the learning activities must be fun and entertaining.

5. Significance of a Healthy Body

A healthy body makes for a healthy mind. This is particularly true for children. Preschool development doesnt entail restricting children only to indoor learning activities. A significant emphasis is given to outdoor activities that are bundled nicely with indoor tasks in order to give children the perfect balance of learning and fun.

These above mentioned reasons are more than plenty to convince any parent about the importance of preschool development for their child. Adequate attention, ample learning opportunities, healthy recreational activities and freedom to express at will are the basic principle of this concept. Proper implantation of these principles in any child will bring about noticeable results in the future.

Are You Pregnant The Earliest Pregnancy Signs and Pregnancy Tests

family10

In some cases, a womans intuition; that indefinable thing, may possibly the first thing that alerts a woman to the fact that she is pregnant that unshakable feeling that something is changing and burgeoning within her. But other than this inexpressible feeling, there are other signs and symptoms of pregnancy that may appear very early on, such as:
Though missing a period is probably the first definitive sign of a pregnancy, some of the symptoms of pregnancy are ironically a little bit like a period.
For instance breast tenderness is one of the very early signs of a pregnancy. They may feel swollen and sensitive, even painful rather like some women experience before the start of their monthly period.
A slight amount of vaginal bleeding or light spotting is seen at the time of implantation of the embryo. This is when the fertilized egg implants into the wall of the uterus and starts to grow and this is also among the first and early signs of pregnancy.
Unexplained feelings of tiredness can also occur very early in pregnancy as the body undergoes a sea of hormonal change. Some women find that they get really sleepy and need more sleep than usual.
Many women find that they seem to be on an emotional roller coaster early in their pregnancy elated one moment and then tearful the next.
A sudden distaste or oversensitivity for certain tastes and smells early on in pregnancy is supposed to be natures way of protecting the expectant mother and unborn child from any toxic substances. Some women find that their sense of smell is at its most acute during the early days of pregnancy.
The feeling of having to go to the bathroom urgently is another of the early pregnancy signs.
Morning sickness or nausea at any other time may also be among the first signs.
For many women there may be no symptoms at all and the first she may know about a pregnancy is when she takes a test.

The pregnancy tests that are commonly available are those that will tell you whether or not you’re pregnant on the day that your period would ordinarily have been due. A hormone called hCG is started to be produced by the body when conception takes place, which, when detected in a pregnancy test, will show a positive result.

Some of the more sensitive pregnancy tests are able to detect a conception even as early as 7 days after a woman has ovulated. However at this stage there may not be enough hCG in the blood stream or the urine for a pregnancy to be detected and a false negative could result.

It is best to wait until 14 days after ovulation or until the first that a period has been missed to take the test. This will yield more accurate results because by this time there is enough hCG present in the system to test positive is conception has taken place.

A Brief Overview Of Baby Acne

family7

Small babies may develop acne because of the lingering maternal hormones after delivery, which may cause stimulation to the baby’s sebaceous glands. Your baby receives these hormones from the placenta, after the delivery.

Don’t worry if your baby has pimples. About 20% of the newborn babies are affected by baby acne, also known as acne-neonatorum. .

Let’ know the various aspects of this peculiar type of acne. First things first, the treatment for infantile acne is not the same as that of acne treatment for any other age group.

Infantile acne is gender-biased. Male babies are more affected than their female counterparts. Normally babies have the acne attack at the age of 3 weeks. Some babies have it from the time of delivery. Generally the types of acne you find in infants are papules and pustules. Papules are red bumps and pustules are whiteheads. They have a collection of pus.

Some babies also have acne on the scalp. Acne in babies does not require treatment as such. The lesions will take care of themselves within a period of four months. But do take the normal care of the baby as you would take care of its other body parts.

Use mild baby soap and gently clean the face once in a day with water. Do not try harsher methods by using oil and other lotions which you think are good. They may at times, worsen the condition. Know for certain that infantile acne will disappear when it has to.

In your anxiety to photograph the baby, don’t stuff his/her cheeks with cosmetics and if at all you need to have the touch-ups, do it in an imaginative way.

If you or your family doctor feel that the baby has severe acne, treat it with benzoyl peroxide, keratolytic agents or topical creams like retinoids.

The ways of acne are indeed mysterious. If you have a family history of acne, that doesn’t mean that your baby will have acne. And just because the baby has acne, it doesn’t mean that, it will suffer from the attack of acne, when it grows up. Acne has its own working style and attacking strategy.

Infantile acne, which normally appears after the age of three months in a baby, quietly disappears after the age of 12 months. No special efforts of treatment are required. In some babies, the condition may last up to three years. It is due to the genetic makeup of your baby. You have something to contribute to it, as the hereditary part.

You have nothing to do with the infantile acne, relating to the treatment part. Just observe its arrival and departure. Well, arrival with anxiety and departure with pleasure!

Did You Know That the First Step to Living Acne Free Is Understanding It’s Underlying Causes? Best Acne products Clear Skin Max Review Sven Hyltn-Cavallius

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

family19

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

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

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

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

Baby photography Toronto Baby photographers Toronto, Baby photography Toronto

Baby Emoticons The Dos And Donts Of Making Use Of Them

family6

Babies are among the most talked about topics in discussions all over the world. With baby emoticons
available, the logos are also just as popular. Babies, on the other hand, have their admirers and also those people who don’t care much.

Do Use Baby Emoticons with The Girls
If you are a first time mother chatting with other females, go ahead and click on the baby emoticons. At times like these, if female friends and family members are chatting with you, it means they are eager to find out how the child is progressing. Use the icons to tell them the baby is bawling its head off or if it is clapping its tiny hands. Your friends will be thrilled with even these minute details.

Dont Employ The Emoticons with Teens
You probably know it but teens are absolutely unpredictable. There is a persistent thought that you as a family member or older acquaintance want only to humiliate them. Click on one of your cute baby emoticons as you leave a comment on her Facebook wall and you could find yourself facing a teen’s wrath like you never know before.

Dont Use The Emoticons with Guys
Unless you are chatting to doting grandfathers, avoid at all cost the use of baby emoticons when you talk to a man. A first time daddy may tolerate it but most of the time it is only the case when the new father is also your husband. Other times, not even him can see a baby emoticon and not cringe.

Do Use Them in Good Frequency
Similar to how the topic of a new baby can get old, so is the over the top use of baby emoticons. People are normally understanding when others talk about their babies and use many icons to represent the topic. Dont be surprised though if these people slowly back out when you say hi to them online or when you leave a wall post on their Facebook walls. Hold your baby emoticons
in check!

Affordable legal services finding attorneys and specialists in family law based in New Jersey

family3

When it comes to getting any type of affordable legal services, you need to know that you’re getting the most for your dollar’s worth. While searching for New Jersey attorneys and any type of family law in New Jersey, it’s vital to to be sure that the firm of your choice is qualified and experienced in the field of your needs. It’s understood that you want someone who knows what they’re doing when representing you and the case you’re presenting. With this in mind, you should look only for firms of which you know will be able to assist you with the specifics of your case. The company that you decide on should also be able to provide their services at an affordable rate.

Help with family law in the New Jersey area/b>

Finding Affordable Legal Services can be tough, but not impossible. New Jersey attorneys should be able to provide you with everything that’s needed when it comes to helping you with your case, whether it is family law or another case in New Jersey. Looking for the most reliable firm is something that most people will have to go through at some point in their life. The New Jersey attorney of your choice should be able to walk you through every process, so you don’t come across anything you didn’t plan ahead for. Dealing with a situation requiring family law services can be a tough process to go through. Thus, you want to ensure that you are prepared, knowing that you have affordable and reliable legal services to back you up.

With this in mind, you should be as open as possible, by telling your New Jersey Attorneys everything that can help them on the family law case of which they are acting on. This will allow you to feel more comfortable with hiring a firm that provides affordable legal services to represent you. With all of the New Jersey attorneys out there, you can find one that works well with your case and moreover, an attorney that you can trust. High-quality Family Law New Jersey are not something that come frequently, so ensure that the affordable legal services provided are something that you’ll want to stick with for some time.

Babies And Circadian Rhythms

family8

If you are expecting your first baby, it is important to understand what his/her sleep patterns will be and how they are affected by day and night. As babies age, they need less sleep throughout the day. The times where a baby is alert usually only lasts for two or three hours, at one month of age they sleep for over fifteen hours. By the time they reach six months of age, they tend to sleep between twelve and fourteen hours a day.

When children are born they have no natural circadian rhythm. Instead their sleep patterns are based on smaller ‘ultradian’ cycles which will repeat a number of times within a day. When a new born is just 2-8 weeks old, it will sleep for around four hours then awaken for thirty minutes, although this pattern is in constant flux.

Many new parents find their baby’s sleep patterns difficult, but the last thing you want to do is try and change them. The schedule of sleep that your baby is on isn’t up to you. By trying to change his schedule to fit your needs, you may cause his pattern to become even more inconsistent and cause him to take longer to develop the twenty-four-hour circadian rhythm. A circadian rhythm is one that consists of being awake for twelve hours and then sleeping for twelve hours.

Scientists have recently discovered a natural ingredient of breast milk which makes it different from formula. Interestingly breast milk created in the daytime contains less sleep encouraging nucleotides than that created at night. Nucleotides within the breast milk increased when nighttime approached showing how they follow their own circadian rhythm.

It is important that during the day you allow your home to be at a normal noise level and that you engage your baby with eye contact, which will help them get to know what makes daytime different from the night. Eye contact is very exciting for babies. Keeping eye contact with your baby will have a physical effect, blood pressure will rise, the heart will beat faster and your baby will awaken fully.

As night time approaches, limit the amount of stimulation give the the baby. It is also helpful to initiate a series of pre-bedtime rituals to let your baby know it is almost time for sleep. When your child reaches three months old, he should be able to turn two sleep cycles into one period of unbroken sleep. You may run into the issue that the cycle doesn’t happen at night. Night sleep gets much more routine once the baby turns four months old.

Pens For Children

family5

Writing is something that we all have to do at some point in our lives. Of course learning how to write is a skill that is generally taught in pre-k classes. Children are usually able to perfect the art of writing by the end of their early elementary years. Often time children are taught to write using big lined paper and a thick pencil so that they are able to grip the utensil properly. However, there will come a point in time, usually during middle school, when our children will need to learn to write using pens. Pencils are rarely used in middle school and even less in high school. This is why it’s important to encourage your child to use pens as well as pencils.

Of course, sometimes making children switch to a new writing device can be tough but there are different types of pens you can use that will make writing with them much more attractive and fun. Consider some of the following options as a way to teach your child how to write with a pen and how to enjoy using one!

Character Pens

You’ll find that all sorts of movie, television, and video game characters can now be found on pens. It isn’t hard to find a pen that has one of your child’s favorite characters. This way your child will be learning and writing alongside Winnie the Pooh, Buzz Lightyear, or some other character!

Bobble head pens

Bobble head pens are a great way to get children interested in using pens. These pens are fun to use and are sure to entertain any child that is learning how to write! The movement of the pen will cause the bobble head to move, which is always fun to look at, especially for children.

Blended pens

Blended pens are always fun because they write in various different colors at any given time. The gel inside of the pen is blended with different colors. This can make using a pen exciting for younger children as they never know what color will be next! These pens are often gel pens and can even be used on darker colored paper.

Using a pen is something that all of us have to learn to do eventually, so why not start young? Buy your child a pen that will make writing fun and entertaining. A boring clear plastic black-ink pen isn’t going to lure your child in!

Page 1 of 3123»

Recent Posts

Best Links

Copyright © 2017 Gast Familien