Teen Pregnancy One is a Tragedy, Thousands Only a Statistic

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Teen pregnancy statistics can be very misleading. Making sense of them is somewhat like assigning meaning to tea leaves: they can say almost whatever you want them to say.

For instance, common wisdom has it that the United States and the United Kingdom alone lead the developed world in teen birth rates and that Denmark is among the nations with the lowest rates. This leads people to conclude that whatever Denmark is doing to prevent teen pregnancy must be working, and whatever America and Britain are doing is not. But even that simple, widely accepted statistic begs further examination.

First one must recognize that “birth rates” are not quite the same thing as “pregnancy rates.” A nation may have high teenage pregnancy rates, but if offset by high abortion rates, the resulting birth rate may give a false impression. Further clouding the issue, some countries prefer not to report abortion rates, and others cantbecause, for various reasons, they dont know what they are. Incidentally, Japan actually has the lowest teen pregnancy rates, as well as low abortion ratesless than half that of Denmark for both statistics. And Japans statistics are measured for all women under 20, not just ages 15 to 19 as most other nations report them.

Still considering the same oft-reported factoid, there are other questions that have a bearing on its usefulness. Particularly, what is teen pregnancy and why should it bother us? In the minds of most, discussions about this subject refer to teenage girls who are unmarried and pregnant. The concern arises across political and religious lines in part because single young mothers and their children are shown to be exposed to much higher risks of all sorts, whether mental, emotional, physical or economic. It isn’t good for anyone when young, unmarried girls become young, unmarried mothers.

Butoddly enoughnational statistics arent reported by marital status. Married teens are counted with single teens when birth rates are reported by age. This means that statistics may include a large percentage of 18- and 19-year-olds who are married and who, in some cultures, may be surrounded by extended family supportnot subject to the same risks as single teens whose lives will be seriously impacted by the struggle to raise a child alone in harsh economic circumstances. As studies have consistently demonstrated, children with fathers as well as mothers have higher levels of well-being by almost all measures. Certainly, even married teen parents may have a lot to learn, but in cultures where extended family is routinely present, this deficiency may be overcome more easily.

Then there is the term “developed world.” In some reports, the word “Western” is substituted for developed, but both carry a certain amount of ambiguity. Does one consider New Zealand to be developed even if not precisely Western? If so, one also has to point out that it often beats out Britain for the second spot. As of 2006 figures (the latest compiled) the two nations are, in fact, neck and neck.

The Perfect New Baby Gift Basket

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Gift baskets have become quite popular in recent years, and work for almost any occasion. They make wonderful baby gifts because, after all, babies need so many things, and there are so many really cute things that can be included in baby gift baskets.

There are the standard baby grooming items, such as baby powders, baby lotions, baby oils, baby shampoos, baby wipes, diaper balm and infant nail clipping kits. These items are often combined with linens such as baby washcloths and towels, burp cloths, or a hooded terrycloth robe for baby.

Hand-knitted items for the new arrival are also lovely additions to a gift basket; woolen caps, sweaters and booties, and swaddling blankets, especially, of course if they are hand-made. Other items of clothing such as onesies, footed pajamas, and two piece outfits can also be placed in a gift basket for baby. Many new parents have switched from disposable diapers to the new cloth diapers, and a gift basket made up of these colorful, attractive items would be a great idea for a baby basket theme.

Of course, baby toys are always welcomed into the new nursery. Rattles, teethers, bath toys, and small stuffed animals can all be used to create a darling basket. Feeding items also, are something to consider to fill out the basket. There are warming plates, special spoons and forks, and sippy cups, as well as bibs, feeding mats, and baby food grinders.

Baby gift baskets that are “green” are a widely growing trend of the times, with all of the contents being organic. There are a multitude of organic baby items available on the market, including organic cotton clothing, bedding and bath linens, and soft organic cotton toys. Organic grooming items are available as well, including sunscreen made especially for babies.

Nursing pillows can also be used in a baby gift basket for the mom who is breastfeeding. An unusual, but practical idea are laundry products that are designed to wash clothing and bed and bath linens, toys, etc,, for the baby. Books are always a wonderful idea for baby basket gifts, whether they are stories or poems to be read aloud, or bright and colorful picture books for baby to enjoy.

Another good idea is to personalize items for the baby, by having the baby’s name embroidered on clothing or bedding items, or perhaps a silver baby bracelet with the baby’s name engraved upon it.

Baby Skin Care is essential for the Sensitive Skin of Babies

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Babies are lovely, beautiful, cute and most sensitive amongst us all. Babies need the best care possible from day one for the better and strong future. Among the newly born babies, the most sensitive part is the skin which can be affected by anything quickly. Eczema is a form of inflammation of the epidermis or the outer part of the skin. The persistent skin conditions can result into the dryness and skin rashes which can later develop into the redness, cracking and even bleeding. It starts with slight scratching and later enlarges into rashes which are commonly found in babies. These skin problems occur due to various products like eggs, unpasteurised milk products and any citrus foods. These products can cause intense itching within twenty four hours. Parents should be very careful regarding baby’s diet from the beginning. The improper composition of the diet and varieties of products such as cheese and yoghourt can cause unusual problems in baby skin and small children who have sensitive skins. If the situation has already gone out of control and you are finding a cure, then the best way is to look for anti allergy products for babies over the internet. During the phase of eczema, the baby clothing should be proper which help down breaking the itch/scratch cycle and also act as a guard against the infection. All baby clothing products should be certified Okeo-tex cotton. The baby eczema clothing used during eczema should be of best fabric and should have been tested and manufactured in an environmental friendly area. Babies affected with eczema most probably also get affected by asthma, hay fever or any seasonal allergies. This may also comes from family background or from the genes. There are various baby skin care products available to avoid such problems. As baby skin is highly soft and sensitive, products should also be used which are specially made for babies. You should use baby oil that moisturises your baby’s skin and keeps it soft. Babies should be bathed with a mild pH-balanced baby cleanser. Many highly reputed brands manufacture these products which are designed for babies who are newly born and have newborn sensitive skin and hair. These products are suited for babies in every season and are also eyes sensitive. There are also baby lotions, powder, protective diaper and also sunscreens that provides UVA and UVB protection.

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About us:

I am the author of Econatural ltd. which is a leading company deals in baby skin care, eco cleaning products, allergy products and baby eczema clothing.

How Indonesia World Education Today

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Dated May 2, 1889 is the day was born Raden Mas Soewardi Soerjaningrat better known by the name of Ki Hajar Dewantara. College Park Student pioneer who later became the National Education Mr birthday and set a National Education Day by the government in 1959.

Continuing the spirit of national education day itself, of course, many efforts have been made by the government in promoting education in this beloved Republic, one of the government’s efforts to raise the passing grade to improve the quality of education and eliminate school fees ranging from elementary to junior high. After all, however, still many who say not optimal and have not fully enjoyed by the people, actually had a chance to go there and available, stayed back to each individual – each want memanfaatkanya or not, because the potential is certainly there.

I believe every human being on this earth comes from the same basic as being born into the world. This means that there is no certainty that ensure that certain groups better (or worse) than other groups.

THEN, IF THERE ARE ASKING HOW THE WORLD OF EDUCATION INDONESIA NOW?

MY ANSWER:

There is no single perception or assumption that can assess the education in Indonesia in general. Generalization assumptions about education in Indonesia is something that has no scientific basis.

Why?

tutwurilogoData-data shows that education activities in Indonesia experienced a variety of striking growth between rural and urban areas. The difference is the speed of education grew strongly influenced by the level of population growth and economic growth rates in each – each region. Areas that are now grown into urban areas has increased the quality of education better and advanced than the territory – territory that until now is still a rural area.

The difference happens to be very far between, such as Jakarta and the island a thousand, or, for example, between Bandung and Leuwi Rosin (Cibeo, Baduy), or, especially, such as between Jakarta and parts of Papua. Therefore, in my opinion, no one ukurpun scale that can be used to generalize the education in Indonesia. Even if it was imposed it would happen “dishonesty” in view of Indonesia as a state entity, or maybe a kind of “selfishness” in the name of the theory.

So in my opinion, education in Indonesia is the world that has many advantages and many left behind. Top keunggulanya we must grateful, and the remaining ketertinggalanya should be felt and in sikapi as part we must think together as members of a major union, the Republic of Indonesia.

Indonesia education forward …

Come with us Cerdaskan ourselves and this nation …

Managing Parent – Subsidiary Relationship

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Introduction

A Company that owns more than 50% of the stock is said to be the parent company of the Subsidiary. A subsidiary may be wholly or partially owned by the parent company. The Parent company incorporates the subsidiary, names its board of directors and officers, and adopts bylaw provisions preserving the parent’s control on its subsidiary. The subsidiary must be established and recognized by the parent, as well as third parties, as an independent corporation managed by a board of directors.

It is important that the subsidiary is recognized as an independent corporation managed by the board of directors even though it was incorporated by the parent company. This does not mean that the subsidiary is uncontrolled. The parent company has the legal authority to hold the subsidiary accountable to meet the financial objectives.

For the Parent company to control the independent subsidiary it should be
The sole shareholder
Include voting control provisions in subsidiary article
Prepare bylaws defining the authority of the officers, their term in the office and removal
Prohibit bylaws amendment without shareholders approval

Managing Parent-Subsidiary Relationship

As long as the parent company holds its subsidiary accountable for the expectations of its board of directors there is little risk for the parent for the wrong doings of the subsidiary. If the parent company exercises excessive control over the subsidiary, i.e., having the same board of directors, using a common letterhead, sharing office facilities, then the distinction between the parent and the subsidiary will be at risk. A subsidiary can be held accountable for its performance by the parent company by its voting control. It also has the authority to select the board of directors. This board manages the affairs of the subsidiary, makes policy, selects its officers and functions as a governing body. Most critical is the decision taken by the parent company in selecting the board of directors.

How Often Should You Read To Your Child

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Sitting down and reading to your child is one of the best ways to ensure a lifelong reader. Long before your child learns how to read, he can still benefit greatly from sitting down with a parent and listening to his favorite books. By listening to the words and looking at the text and pictures on the page, your child is increasing his vocabulary in preparation for talking and reading at a more advanced level. Your child is also following along as you point to words on the page, and he starts to associate the written word with specific meanings. In addition, reading together is an easy, effective way to bond. Children will love the time they get to spend with you and will love the stories that you read to them.

During a typical busy day, it can be hard to know how much reading time is sufficient, how much is too little and how much is ideal. The answer depends on your child’s personality and your usual schedule. When your child is a toddler, you should ideally read together at least once a day. Read for as long as your child seems interested and engaged or as long as your schedule allows.

If your child tends to grow restless, try shorter reading periods two or three times a day. Ten minutes is usually a good length for younger children. Whenever your toddler brings you her favorite book, if possible, you should sit down and read together. As your child grows older and starts to learn how to read, try to stick to a once-daily reading schedule. Eventually, your child may even beg you to read every day!

Older children should have longer attention spans, so you can read for longer periods of time. You can even keep reading to your child after she learns how to read, especially by focusing on books above her reading level. As long as you continue to challenge them, children will improve their reading ability.

By reading as often as possible, you are illustrating the importance and fun of reading and encouraging your child to take the time to become a strong, competent reader. Eventually, the children will take to reading on their own and you will no longer have to read to them. This does not mean an end to reading as a bonding activity. You can read different books at the same time; you can read the same book independently and discuss the story as you go. You can suggest new books to each other as well. Instilling your child with a love of reading can be a lifelong bond that you can both cherish.
So in summary, you should read to your child as often as they possible and for as long as it holds their attention. By demonstrating how important reading is to you and for success in life, your children will learn to respect and enjoy reading.

Shooting Mother and Child Pictures

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When photographing children it is often a good idea to include their mother. She is usually the closest person to the child and the best suited to allay its fears and put it at ease, and help it to adopt the best position.

Use a photographer’s eye to look for the best viewpoint and lighting to show the natural bond between mother and child. As in any situation when photographing more than one person, be careful that the mother’s head does not cast a shadow on the child’s face.

If working indoors try to use available light. This will be less distracting to the child, which may be alarmed if flash is used. If flash is I necessary, soften the light as much as possible. This can be done by bouncing the light off a suitable surface such as a white ceiling or board. Alternatively put a diffuser over the light. This can be tracing paper or even a handkerchief. Take care here not to underexpose the photograph. The best way to avoid this is to use a flash meter, which shows exactly how much light is falling on the subject. If the mother and child are sitting by a window, a reflector can be used to throw some natural light back on them.

When working out of doors make sure that neither the mother or child gets cold. Not only is it uncomfortable for them, but they might be shown with red hands and dripping noses.

Above all, be aware that most children can only concentrate for a short time. This may mean working quickly. Conversely, a good deal of patience may be required to catch the child at the best moment.

Willis J. Watson is a freelance writer since 2006, living in United States and he writes about his great passion…digital photography for about 4 years. If you want to read more informations about Digital Sports Photography and also read more reviews about Digital Photography Classes, you can check out his websites.

Know More About Mother And Child Sculpture

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When a kid is shaped in a mothers womb there’s a connection that begins to grow which will never be broken. Cutting the umbilical cord can never sever a mothers love from her child. This personification of love between a mother and kid and their relationship is something that has been established by artists time and time in mother and child sculpture and their family statutes the world over. Capturing the love that is mutual between the mother and kid is a beautiful reminder of the unique love between them. A mother holding her child in her arms or holding the hand of the child as they walk along are some of the beautiful shared moments in mother children sculpture.

A simple mothers hand poised to reach out to touch the cheek of the kid speaks volumes and captures the essence of a love that is perpetually reaching, touching and embracing. The caring eyes that look upon her kid in the sculpted small statue will exemplify all of the thoughts that any mother has for her own children: Can the world be kind to my kid? Can my kid in the future have kids of their own to like? What will the future hold in store for my beloved child?

There are many mother children sculptures that represent this connection and several mother and child statutes, however none are as famous as the Madonna and baby Jesus. This sculpture was made by famous Michelangelo’s “Pieta” Statue Sculpture Madonna Jesus. We have embraced this mother and kid statue as our image of absolute and utter devotion, a mother who has sacrificed and given up her own world for the sake of her child.

What mother wouldnt embrace a mother and kid statute for her own curio cabinet or mantel? Surely any lady who has given birth to a child would adore looking upon the statue of her beloved child, sculpted and forever captured, frozen in time just like the love that exists deep within her mothers heart. A mothers reminiscences are her most precious possessions that she will cherish for all of her life.

It has been said that there’s no depth to the love from a mother to her child. There’s no distance so vast that it can not be traversed and nothing that can ever really sever the association that a mother has along with her child. What better way that to forever embody that love then in an exceedingly family sculpture? Capture the affiliation and savor the bonds that neither time nor distance will ever sever.

The next time that you’re wondering what gift to give to a mother in your life, think of the gift of a family sculpture. It is the one precious gift that will warm her mothers heart.

Parents and Federal Regulators Alarmed, as Majority of Recalls are Baby Products

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Because parenting a baby or toddler is not a breeze, many use a variety of products made to for easier supervision of young children. Although these products are well-intentioned, if not manufactured correctly, it is possible for an accident to occur resulting in serious personal injury or death. As a dedicated Detroit personal injury lawyer who sees many examples of injury stemming from product recalls, it is difficult not to notice an alarming trend: a majority of items called back are those intended for use by small children and babies, those who are the most defenseless against an accident.

According to Don Mays, the senior director of product safety, of the over 500 recalls made by the Consumer Product Safety Commission each year are for children’s products–not to mention additional recalls made by other institutions such as the Food and Drug Administration, the U.S. Department of Agriculture, and the National Highway Traffic Safety Administration.

For example, the CPSC warned parents earlier this year that only older and larger babies should be held in soft-sling carriers, as three young children died as a result of suffocation in 2009. Also included in the products recalled are Simplicity and Graco cribs, as well as millions of strollers. Both products have a history of malfunctioning, causing significant personal injury or death to several infants and toddlers.

Sparked by the many product recalls, like those listed above, federal regulators, manufacturers, and parents continue to debate how to make sure products are safe for use by small children and babies. Mays insists that federal institutions are doing all they can to respond to safety issues, he also acknowledged that “there are probably more unsafe products on the market in recent times than there have been in the passed.” Although reasons for this vary, studies conducted by the Consumer’s Union reveal that over 80 percent of products recalled between 2007 and 2008 were made in China. Sending manufacturing overseas could be one problem according to Mays, as “sometimes the controls are not put in place to make sure the product is manufactured in a safe fashion,” he explained.

Because of a great amount of unsafe children’s products on the market, it is essential that parents are proactive in protecting their children. Keeping updated with public safety announcements made by the manufacturing companies, the CPSC, as well as safety advocates can help prevent disaster in your home. If your child does sustain personal injury or dies due to a malfunctioning product, as a parent, you must be filled with questions regarding your options. For answers, as well as the highest quality legal advice and legal representation, it is important to contact a hard-working and aggressive Detroit personal injury attorney. Doing so quickly will not only make sure your personal injury claim receives a positive outcome, but that your child receives compensation for injuries and losses sustained.

Michigan Injury Lawyer

VCP-510 Study material

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VMWARE VCP-510 exam is regarded as one of the most favourite CertMagic.com. Many IT professionals prefer to add CertMagic.com VMWARE VCP-510 exam among their credentials. CertMagic.com not only caters you all the information regarding the VMWARE VCP-510 exam but also provides you the excellent study material which makes the certification exam easy for you. It is well known that latest VCP-510 Exam test is the hot exam of VMWARE certification. CertMagic.com offer you all the Q&A of the VCP-510 real test . It is the examination of the perfect combination and it will help you pass VCP-510 exam at the first time! CertMagic.com is your premier source of VCP-510 test training. With our VMWARE VCP-510 practice tests, no other VMWARE will be able to compare to quality VCP-510 study guide. Our VMWARE VCP-510 sample test is always updated to provide you the most actual information available and this is done with the help of our CertMagic.com professionals team of certification experts, technical staff, and comprehensive language masters who are always in-touch with the changes in the VMWARE VCP-510 exam. So the true way for passing the VMWARE certification VCP-510 study guide exam is to get in-touch with the free study guide, brain dumps and test questions that will lead to your certification success. Easiest way to get these certifications is to log on to the VMWARE VCP-510 CertMagic.com and download the VCP-510 test questions to do VMWARE practice exam to obtain your free VCP-510 exam certification. We are constantly updating CertMagic.com it certification training VMWARE VCP-510 Exam. These VMWARE VCP-510 Exam updates are supplied free of charge to CertMagic.com customers- hereby becoming an investment rather than a disposable product. CertMagic.com clients receive the most reliable and up-to-date information when they decide to take the exam, just contact us. CertMagic.com candidates walk into the Testing Room as confident as a Certification Administrator. At CertMagic.com VCP-510 braindumps page all the essential VCP-510 preparation materials can be found. This package includes VCP-510 braindumps, VCP-510 download, VCP-510 .pdf, VCP-510 torrent, free VMWARE study guide, VCP-510 practice exam. More over these exams like VCP-510 exam are now continuously updating and accepting this challenge is itself a task. This VCP-510 practice test is an important part of VMWARE certifications and at braindumps we have the resources to prepare you for this. The VCP-510 exam is essential and core part of IT certifications and once you clear the exam you will be able to solve the real time problems yourself. CertMagic.com VMWARE braindumps VCP-510 answers are designed with questions, coupled with precise, logical and verified explanations. Our VCP-510 rapidshare provides you with an examination experience like no other. Our VCP-510 practice exams and study questions are composed by current and active Information Technology experts, who use their experience in preparing you for your future in IT. Pass On Your First Try With CertMagic.com.

Raising A Healthy Child Is Something That Every Parent Aspires To

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One of the primary goals of parenting is keeping your child safe, healthy, and protected throughout their life and for the majority of parents this means watching over their kids like hawks until they reach their adult years. Even the most careful of parents, however, are unable to protect their children from everything and therefore it’s imperative that you ensure that as a parent that you are not only watching over your kids but also using all available resources to evaluate how they are doing physically, emotionally, and psychologically.

Development seems to mostly start with the physical early on and as a result and even though other elements of your child are developing during this period at the same time, it can be hard to gauge initially and so all a parent really has to assess is the physical. Working along with your physician and speaking about any issues that might come up can help you to figure out early on if any issues are arising. Generally these issues can be indicative of more severe underlying genetic defects so keeping an eye on the physical progression of your kids isn’t insignificant.

As your child starts to age and they begin to act more frequently with their friends you will be better able to gauge how they are commanding themselves in social situations. When comparing your child to his peers try not to over judge them just look for any notable differences and then talk about them with your doctor. Each child will develop at their own rate and just because your child has not reached a particular milestone, does not have to mean that they have a problem.

Emotional development is something that can also be challenging to estimate, however, it’s still important that if you see your child especially as they start to approach the teen years, is struggling with issues that you get them the counseling they need to push forward. Counseling can be helpful for those who are fighting to deal with the pressures and issues that they have on their plate.

And if you have worries about your child of a less serious nature then you may be best served to take the time and look up any issues that you happen to be dealing with your child about on the internet. There are many excellent medical resources along with parenting ones which can help you to find out quick information to help put your mind at ease. No child comes with a manual however some on-line research can really help you assess your child to discover if you need to cool down or if your child requires a trip to the pediatrician.

When you’re searching for Texas health insurance be sure to stop by Go health insurance at gohealthinsurance.com.

Three of the Most Famous Mothers in History

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Mothers love is the most unselfish love in the world. This article will introduce three famous mothers in history.
1. Angela Cavallo
A mother is loving, devoted, and possesses mind-blowing brute strength. At least, thats the case with Angela. When her son Tony was working on a 1964 Chevy Impala in the driveway and the jack collapsed, she did exactly what youd expect any woman in her late 50s to do: She lifted the car up a few inches for five minutes until neighbors could pull her baby to safety. So next time you manage to trap yourself under heavy rotary kiln machinery, remember: As long as Moms in shouting range, its going to be just fine.
2. Mother Teresa
While Mother Teresa is not a mom in the biological sense of the word, we’ll make an exception for the winner of the 1979 Nobel Peace Prize. Receiving the call from God at the age of 12, she joined the Sisters of Loreto at 18 and began serving in India in 1931. She would remain there for the final 66 years of her life. While she is inevitably described as a “saint on earth,” letters released after her death revealed a complex woman who struggled with her faith “I spoke as if my very heart was in love with God tender, personal love. If you were [there], you would have said, ‘What hypocrisy.'” yet she never let doubt stop her from caring for the destitute. At her funeral, Indian Prime Minister Inder Kumar Gujral proclaimed, “Millions are feeling that they have become orphaned. I am one of the orphans.”
3. Sarah Bush Lincoln
Abraham Lincolns early life wasnt easy. As we all know, he was born in a log cabin. His mother died when he was only nine. He was distant from his father growing up, and they didnt get closer as the years passed. Fortunately, he had his stepmother, Sarah Bush Johnson, in his corner. She raised him as her own, encouraged his love of learning, and was so close Abe called her “Mother.” Up until he entered the White House and the Civil War started taking up his time, Abe made a point of visiting her, proving parenting’s about more than paternity.

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

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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.

Protect Your Child’s Future With Mutual Funds

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You might not be able to imagine you could afford your child’s dreams and wishes for the future right now. But that could change if you use the right tactics. There is a way that can help you to prepare for the your child’s future – mutual funds. There are many funds that can help you invest in specific plans that augment your child’s future. The plans tend to vary based on the age of the child you’re investing for. If you’re investing for an infant or a child of up to 5 years – investments are likely to be equity based. Generally, the investment period could be up to around 15 years from when you start investing your money. This is the best time for you to start investing. It gives you more time with which you can build up your assets. You end up with more time in which you can keep investing money into the mutual fund.

Once your child is around 6 or 7, start considering a balanced fund. Even if you’re leaning a bit towards equities, that’s alright. But by this time, you shouldn’t rely only on equities. This is because you’ll have less time with to invest. Relying on equities means exposing your capital to volatility. At this point, the fund you choose needs to be balanced with a great deal of safety too. The investment period should range up to about 12 years. It gives you comparatively less time – for both investing and for you money to grow. Once the child reaches teens, don’t take any risks with your capital at all. Get a children plan with emphasis on debt funds rather than equity. You will have an investment period of around 5 years at the most, so don’t take risks with your money. Let it grow slowly but safely with debt funds.

Why debt funds? The investment period is too small for you to take risks with your money. You’ll need your money back in five years. Equity is simply too dangerous when you would need the money back in such a short while. Investing in debt funds helps to gain at least some level of interest on your money. You should have a good option for liquidity when you’re investing, though. Whatever plan you want to choose, ensure you have a fair idea of what you want when the investment comes to an end. You don’t want to fall short of the money you need. If you need more money, start investing earlier. Your money will have enough time to grow that way.

Jennifer Garner Mother Style we Love

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We’re always on the look out for moms that are just like us. Jennifer Garner is a mom whose style we absolutely love. She’s casual chic (and practical) while running around town, and she looks great on the red carpet. We especially love how she accents her looks with classic jewelry and pieces that can easily be imitated.

Jennifer Garner’s day-to-day look is pretty basic. She generally opts for jeans and sweatshirts or t-shirts. She sometimes adds a necklace of interest or a small pair of tasteful earrings to pull the look together. Most of her choices are simple and understated, such as her miniature hoop earrings or small cut out pendant necklaces. Other past favorites have included a colored gemstone cross pendant and a medium length gold coin necklace. One thing’s for sure – all of her choices are versatile enough to be worn with multiple outfits, and sensible enough for a mother of two.

When Jennifer Garner dresses up, she knows exactly how to kick her look into high gear. Her red carpet looks have made the pages of every major fashion magazine, and her jewelry certainly does not disappoint. Our favorite look was the one she recently wore to the Academy Awards. Her outfit of choice – a LBD, was taken to a whole different level when she piled on art deco bracelets and a vintage looking necklace. Another time, she upped the glam factor of her LBD with roped diamond strands that proved to add simple elegance. She prefers the style of this necklace, and wore something similar with the addition of a bejeweled cut out floral pendant.

Jennifer Garner doesn’t shy away from colored jewelry either. For example, to compliment a plain satin black dress, Jennifer Garner choose colorful light blue tear drop earrings and a matching broach. The pieces were simple and her natural beauty really shone through. For another event, she donned garnet and canary double drop earrings with a LBD for a striking and unique look. Whatever she wears, Jennifer Garner tops our list!

Posted by Cherry Bruce, you can find more articles about necklaces, jewelry sets, bracelets and sterling silver jewelry on my profile page.

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