Teach Young Kids About Money

Teaching your young children about money is one of the most important things you can do as a parent. Don’t wait until they are teens to teach them responsible money management skills for a lifetime.

What lessons you impart depend on your kids’ maturity, but you can usually get started by the time your child turns seven. Don’t pass up this opportunity, because preteens still accept guidance from their parents; later on, peer pressure becomes a stronger influence.

Allowances

Giving your kids an allowance is a great way to teach them how to set savings goals. Decide whether to tie it to chores or require kids to set aside a portion for savings or charity. (Charitable contributions can teach kids that, sometimes, feeling good about helping others trumps spending on themselves.)

According to a 2008 survey published in the San Diego Union Tribune, weekly allowances for children ranged from an average $2.84 for a child at age four to $9.58 at age 12.

Here are some guidelines to consider as you structure your children’s allowances:

Be reliable; pay allowances the same time each week. Sunday nights are perfect because your kids won’t have the weekend to spend it all quickly.

Use small denominations so they can easily set aside a portion for charity/saving, if those are your rules.

Never withhold an allowance as punishment. If your child receives a gift of money, it’s for them to decide how to save or spend it. Never “borrow” your kids’ money, and don’t criticize their decisions.

Daily Money Lessons

Look for everyday opportunities to teach money lessons. Teach comparison-shopping at the grocery store or, if they’re older, how to do so online.

Teach older children about investing by helping them buy a share of stock in a company whose products they buy, like the company that makes their iPod or their favorite snack.

Checking and Savings Accounts

Most kids are ready to open a bank account by age 9 or 10. They’ll learn that money doesn’t grow in ATM machines!

If Money’s Tight

If your family’s experiencing financial difficulties, be careful what you say. Don’t frighten children with extreme language.

If you’re a single parent, don’t overspend on your children because of guilt. Your children need quality time with you more than money. Don’t be pressured into buying the latest gotta-have it or impulse purchases. Encourage your kids to help the family stretch a dollar. Most kids will eagerly contribute if you value their input.

Study English Language in Auckland

There are many cities around the world where you can study the English language. When making your decision about where to study, there are several things to consider such as ease of transport, accommodation, teaching staff, courses and the ability to mix with a wide range of other international students. Studying at an English college in Auckland, New Zealand makes sense for several reasons. Auckland is not an expensive place to live, so many international students choose it as their base.

Students who decide to study English in another country want to challenge themselves in a safe environment and Auckland is certainly a good place to do that. You will be away from home, but surrounded by friendly and helpful people and many other international students. You will be around English speakers every day, which is a great environment for practising and making progress in your studies.

In Auckland, you can study English at a central city location with modern facilities. People from many nationalities come to Auckland to study English, so you will meet a wide range of other students in a friendly atmosphere. Studying in Auckland also means that your free time can be spent relaxing at beautiful beaches or in lush green parks. There are plenty of wide open spaces in Auckland.

If you prefer the hustle and bustle of city life, Auckland has movie theatres, plenty of shopping, weekend markets as well as lively bars and restaurants. You will find it easy to make friends in this multicultural city. The city is well served by many forms of public transport and there is a wide range of accommodation within easy reach. Auckland has a warm coastal climate and the beaches are well known for their access to a choice of water sports as well as the opportunity to take boating trips to see dolphins and whales off shore.

When you take time off from studying English in Auckland you wont be far from the best museums, art galleries and tourist activities such as the magnificent Sky Tower. You can even get adventurous and do a bungy jump from the Auckland Harbour Bridge. Its very easy to travel from the central city out to the surrounding countryside, which includes beaches, forests and mountains.

Students who study English in Auckland say they love the opportunity to study in a central city location where everything is close by and the facilities are world class. Being in a comfortable and safe environment makes it easy to settle in and succeed in your studies.

Make This Christmas Special By Helping Needy Children

Christmas is the festival of joy and celebrations. This festival holds a special importance for kids and they wait patiently for it to come. For them Christmas is always associated with a plump, joyous, white- bearded man – wearing a red coat and carrying a big bag full of gifts and treasures, which they have written for. Writing letters to Santa is one of the most loved traditions, especially by the kids. It dates to centuries back when kids used to write letters to Santa and demand things they always dreamt of. Even today it is the same goodie list to Santa Claus. Kids also write personalized statements about their general good behavior during the year and why they deserve the gift they have asked for. These traditions run in families from generations and promote the children’s belief in Father Christmas .This gesture helps in improving the bonding between parents and kids.

There are a million of kids across the globe that write loving letters and expects Santa to come and deliver what they have requested for. These kids are just like your own children but often their wishes remain unanswered. Their families are unable to support the wishes of their children. Moreover, due to this ever changing lifestyle people are so occupied thinking about themselves that they forget about the society they live in. Christmas spirit is all about sharing and caring. So apart from your family you must also do something to make this festival a happy one for other kids. Something that will make these kids realize that Santa exists and their mails would be answered. Children are innocent and always long for items which are very general. Children ask for basic items like clothes, shoes and toys, so you need not worry much. You can organize parties at home and can ask the guests to bring a small present which can be donated or you can just buy another set of goodies just like your kids and distribute them. Buying small goodies does not hit your pocket much but gives you happiness which remains with you till eternity.ty.

Sometime back -adopt a letter a program’ was introduced by United States Postal Services (UPSC). This program was designed such that people can adopt any letter from millions sent to Santa every year and send those little ones whatever they have desire directly to them by post. It was very successful as better off people could share their happiness with kids living far and make this festival truly memorable for them. So, this Christmas put a smile on the faces of needy children. Let us make the children’s letters to Santa come true to life.

Be an elf is non- profit organization which aims in making Christmas special for the children in need by answering children’s letters to Santa. Writing letter to Santa is a tradition and making their wishes true is their mission.

Female Led Relationship

Her Secrets

Your female led relationship is no longer a shock to people anymore. It is becoming more and more accepted that women love to take control, and truly are better at making a relationship work. Women seem to be better at communicating, better at showing their feelings, and recognizing what men really want. But even in a female led relationship, we can all use some help from time to time.

This seems to be a sure bet, if you care to make any relationship predictions. Women all over the world are experiencing a powerful, proven system that shows them how easy it is to be the best lover a man will ever know. Finally learn what other woman have known for years.

There is a complete guide for the female led relationship that shows how to drive any man crazy with the now revealed secrets you can do to him. They are referred to as the time-tested lovemaking secrets known by the most seductive women of all time. You will understand exactly how to give your man the ultimate pleasure during your intimate moments together. If you ever wanted to know how to make relationship last. This technique is becoming more and more successful for adult women of all ages making their marriage or relationship soar to the greatest heights of passion.

You will be exposed to simple exercises, sensual games and hot tips to incredible tantric techniques that will teach you things you never knew were possible. This alone is going to make such a drastic difference for both you and your partner, that this experience will bring the two of you closer together than ever before. And your man will have you to thank.

As you share in these new found pleasures, you will be so much more self-confident for taking control of your own relationship, that you will definitely be happier as you satisfy the man you love. No matter what your age, race, body size, if you are short or tall, blond or brunette, it doesn’t matter. Relationship predictions are, If you use the techniques you learn, you will become much more satisfied with your new lifestyle, sex life and relationship.

You may be as surprised as I was to even find a guide like this. But actually, this is the first time a seduction guide like this has been available on the web just for women in a female led relationship. So take advantage of this unique opportunity and start to make changes in your life right now!

Dating Customs Around The World

When most Americans think of dating, they think of dinner and a movie. However, dating has changed drastically over the course of history and varies from country to country as well.

In the early ages, there was no dating or courtship. Men actually captured their wives! They would raid villages and take the women they wanted for their own. A lot of our dating traditions were born in the medieval times from the concept of chivalry. This is where we got out notion that the male should pay for dinner and that a male should hold the door open for a lady. Women were actually given the right to propose marriage in 1228!

Between 1830 and 1900, romantic love was considered important to relationships. The rules for dating were strict and steadfast. Men and women had cards with their names imprinted on them which were left for each other in an elaborate courtship ritual. It was commonplace for chaperones to accompany couples on dates.

Today things have changed, but still there are special customs depending on where you live.

In Australia, girls often ask boys out on dates and pay for everything.

In European countries, teenagers often go out on group dates.

Dating is actually forbidden in Iran. Boys and girls are kept separate until they are ready to be married and then their parents do the introductions.

Dating is also very rare in Afghanistan, as most marriages are arranged.

Japanese and Korean individuals usually do not begin dating until they are in college.

In Brazil, group dates are not common at all. People tend to date much longer before they get married.

In China, dating usually does not begin until an individual is in their twenties. Chinese singles usually only date one or two people before they get married. There are also still instances of arranged marriages.

In most Asian countries it is customary for young people to remain at home until they are married and often a newlywed couple will live with one set of parents for awhile after they are married.

In Kiev, women do not like to shake hands. They think that it is not feminine. A woman will hold onto a man’s arm when they are out on a date instead of holding his hand.

Relationships and marriage are important in all cultures, but the actual act of dating varies greatly depending on where you live.

Gay surrogacy best method for becoming parent

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

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

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

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

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

How To Open A Kids Store Online With A Free Startup Kit

I assume that you have a real passion for children and you want to take that passion further and you are just exploring some opportunities to open a kids store online. This is about home based kids business opportunities that enable you to start your own online kids supply store.

As with any business, if you want to devote a lot of your time to your online kids supply store, you can do really well. If you devote less time you can do it as a part time venture. It’s up to you.

If you decided to open a kids store online, you would have access to over 70 million homes and part of the billions that are spent on kids products online every year. You can grab as little or as much as that fortune that you desire. It’s within you to make it happen.

When you open your online kids store, you will instantly get a free kit that includes your own kids supply store that has an up and running inventory hosting many different types of popular kids products, free and instant set up and activation, free consultation in marketing, reports on cash flow/finances and guides on marketing and business start up.

Once you sign up to open a kids store online, you will get everything that you need to run profitable online kids shop business that makes money for you 24 hours a day, even when you are asleep, at work or on holiday. You will receive a marketing guide that explains how to get visitors to your online store. There are many ways to get tons of targeted traffic that you can check out after you have your online kids supply store up and running. You will have no employees to worry about either.

As for the inventory and shipping, that is all taken care of so you don’t have to worry about that aspect of your online kids store.

Starting any business IS hard work to begin with. The beauty of it is that you are more likely to succeed when you open a kids store online because you have a genuine passion for kids and that will become evident as you start to make more and more money online. The rewards can be truly great.

Ideas for Keeping Children Busy After School

Do you struggle to keep your children busy after school? It can be very tiresome to deal with energetic children after a long day at work. Fortunately, you don’t necessarily have to use up a lot of your own energy to keep the kids entertained.

Clubs and Societies

One of the easiest but in many cases costliest ways of making sure your kids remain entertained after school is to enroll them in various clubs and societies that relate to their interests.

For example, sporty young kids would probably love the opportunity to use up their excess energy taking part in activities such as football, swimming, gymnastics, athletics or alike. Consult the school, community centre or your local council on opportunities in your area.

Do you think your child could do well in music? If it’s singing they might be good at, find out how to join the local choir. Perhaps there is one at the school, the community centre or the local church. For those looking to learn how to play an instrument, there are options as well. Most schools have an orchestra or band of sorts that it could be possible to join. Alternatively, hire a private tutor.

Other options for after-school fun and socialising include joining groups such as the Brownies or Scouts. These are great for teaching your children how to be independent, and gain some real life skills.

There could be some more niche interest groups on offer in your local area too that could see your little one learning anything from survival skills to floristry.

Kitchen Fun

If you, your older children or your childminder are keen cooks, transfer this interest and these skills to the younger generation. No one is ever too young to help out in the kitchen; it’s just a case of assigning age-appropriate tasks that don’t involve sharp knives or other potentially dangerous kitchenware.

You could be baking or making dinner for mum and dad. Activities that young kids can do are mixing ingredients, kneeding dough, and washing fruit and veg, for example.

Experiments

Scientific exploration and discovery should be encouraged, as it teaches kids a lot about how the world works. You’ll be happy to hear you don’t need many resources to carry out experiments at home. Many can be done with the help of just a few common household items. Find instructions online or in children’s activity books. Many charities and educational foundations produce materials that you could use, such as the popular SEEDKIT.

These types of activities are often meant to make it easier for children to understand scientific concepts such as electricity, buoyancy and viscosity.

How To Survive A Long Distance Relationship – Recommendation On Feeling Lonesome

I was lonely when he went to another place for two years however it failed to mean that I used to be alone as a result of I had friends and family who had been there for me to urge through with these robust times. It was an extended distance love, but I overcame the feeling of loneliness as a result of of some long distance relationship recommendation from friends.
Instead of crying and wasting my time, I looked for ways on how to form a protracted distance relationship work higher than those times after we were still together. I did some extracurricular activities and took part in volunteered projects to create my time additional productive and worthwhile. We have a tendency to cannot dwell forever on this ugly feeling of sadness.
One in every of the items that I did to unleash all emotions within me was shouting aloud in a very place where no one might hear me. It did facilitate me thus a lot of that I actually equated it to a thirty-minute crying moment. It was far higher than crying as a result of I saved my heart from any complications. It’s the most effective long distance relationship recommendation that we have a tendency to may all learn from.
It all depends on our perspective on how we have a tendency to house it. It is recommended to share our feelings to somebody who we have a tendency to will trust because we can be more open to simply accept suggestions and advises; instead of sharing it to the full world because it will not facilitate that a lot of however we solely hurt ourselves even more. Thinking of it in a totally different perspective would make us move additional in our lives.
Enduring a protracted distance love could be a painful task that can’t be settled during a long distance relationship advice alone. Learning and accepting is part of recognition and transition of the changes in our life.
We tend to will all be sad and that is the truth, however we aren’t separated emotionally. It is solely physical separation but we are never separated from this special relationship. It’s we who suppose that being apart is being alone again.

Things You Need For Your Study Date Wardrobe

Work hard, play hard. The two need not be mutually exclusive. You can study hard to ace your class, with your study partner, your boyfriend. It makes studying twice as much fun.

So what do you wear on a study date? Not your ratty old sweats, I hope. It might be worth while to invest in a few key pieces for a capsule study wardrobe, which you can mix and match for a gorgeous look every study date with your dream guy. It could even be a group date where you study with a group of friends, the group including one or more cute guys you might want to catch the attention of.

1. Start with a casual dress that makes you look great. Build your entire wardrobe around this dress. Then add on at least 2 more dresses in colors that look great on you to your wardrobe to stretch it. Dresses are feminine. You can wear them alone. Or as a top with pants, leggings, tights or jeans. Or as a bottom, beneath a sweater or cardigan.
Make your first dress knee length (or shorter) and light weight. Comfort counts. You want to be totally at ease. Effortlessly sexy so to speak.

2. Add on sweaters and cardigans that match the color or colors in your dress. You can change your look and stay warm as the temperatures drop by adding on a sweater or cardigan.

3. Get a pair of jeans that looks absolutely fabulous on you.

4. Add on a pair of black leggings that will go with your dress if you want to show off your shapely legs.

5. Look for a pair of pants in a color that goes with your dress. A neutral like black, gray, brown or beige or white should do very well as a pair of basic, yet classy pants.

6. Next, get a blouse. This blouse should be in a color or neutral that goes with your sweaters, pants and leggings. You can alternate between your dress and your blouse for varying outfits when you mix and match them with your sweaters, cardis and bottoms.

7. Then get a long, flowy, feminine skirt that flatters your figure. If your blouse and dress are in neutral colors, you could go for a bright skirt to spice things up a bit. Or you could go for a skirt in a neutral color that goes with everything.

8. Add on a denim skirt for casual chic.

9. Finally, get a pair of ankle boots. These spice up any outfit for an effortlessly sexy look.

As time goes on, you can add on more pieces (preferably more dresses for far more new looks) to your study date wardrobe.