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Living as modern moms in today's fast changing world require ever expanding horizon and perspective.

Today's Moms are faced with many challenges from managing household issues, financial decisions, parenting, to preparing proper nutrition for the whole family.

This blog is dedicated to every hard working, creative, problem solver, smart, and genius Mom in the world.

Living to make their families happier with a long term vision of building a beautiful legacy to the next generation
To become the Best Mom in the world doesn't always require you to spend lots of money.

All you need to do is simply investing more love and care to your loved ones.

In addition to that all you need to become the smart parent are proper guidance and resources to help you determine which decisions to take.

We at Genius Mom are glad to help you by providing high quality information to aid you in the journey of becoming the Best Mom for your family.

So please enjoy your time and visit...

Choose The Right Baby Monitor for Your Children

Baby monitors have made the life of the busy parents easier. They can ensure the safety of the child at distance and can do their work with out taking any tension of the child’s protection.

These baby monitors can protect the child even if you are not with the child or working in the other room. It demolishes the burden and also let you finish your work.

Many companies now have introduced baby monitors in the market, but all of them are different and have different specifications. So before buying you must know about each of the baby monitors available and thus making the perfect choice.

What are the types of baby monitors?

There are three different types available in the market. These are audio, video and sensory monitors, from these three you can choose that suits you more.

Audio monitors lat you to hear the sounds of each activity which your baby is performing like crying, laughing etc. They come in both the analog and digital models. The analog is the most reliable one as it uses the radio signals and transmits the sounds.

They are also less costly and easily affordable. But the drawback associated with these types of monitors is that they have less privacy rate and high disturbance.

While, the digital model is more expensive than the analog model but they provide more privacy and the signals carrying capacity is far much better than that of analog. They are also not static and provide the clear sound reception and also have wider range of reception.

Video monitors not only let you hear your child but also let you see that what he/she is doing. They usually are like miniature television sets and uses the camera to capture the movements of baby and thus showing on the LCD. Cameras can be placed any where on wall or crib or table. Cameras also come in night vision and they are portable. 

Sensory monitors are used to even detect the baby’s movements even during sleep. It will alarm you when baby will stop moving for 20 seconds on his/her mattress. Some sensory monitors also use the audio signals and allow the parents to hear the activities of baby also. 

What are the things that you should consider?

For selecting the best suited model for you and your baby you must evaluate it on the following dimensions. First see that what are your basic requirements? What size would best fit your home? If you have small house you may need the simplest baby monitor to get installed but for big houses you will need the sophisticated one.

Another dimension is the life style and the type of the activities you perform. If your work needs you to move father away from the baby, in that case you must select that monitor which will cover the long range. It also must be evaluated on the affordability dimension. 

Which ever baby monitor you may select but make sure the quality of sound and video must be clear enough to be viewed and heard.

Lorex LW2003 LIVE snap Video Baby Monitor (White) 

Methods To Saving Money on Clothes

You have to decide between your desires and the price you have to pay for meeting them. Now choice is yours what you want, a pretty dress, or a trendy top or to save money for the future necessary needs.
Personality of the people does not depend on wearing the designer outfits. It can be the same if you wore the cheap but quality unbranded clothes.
It is absolutely true that trendy and fashionable clothes make you fashion oriented person in the society and polishes your personality.

But for following the latest trend it does not mean to spend everything for just buying the label brands. You can be trendy and fashionable if you wear the unbranded but trendy designs.
Thus without spending hundreds and thousands on clothes you can still look unremarkable.
Some tips are given below that would be helpful in amazing the other people without damaging the health of your wallet.
1.    Do the math:
Before choosing the clothes, first see your pocket and calculate what you can afford. Choose dozens of trend but cheaper clothes instead of choosing only three branded clothes in the same amount. This will doubled or tripled your clothes and at the same time you can be able to make the sensible fashion statement for you.
2.    Know what you want:
You should do proper market research to know the price of each item and compare the prices of other items. In this way you will be able to spend your money rationally by knowing where to spend and how much to spend. This will help you in saving the excess payments on items.
3.    Drive your way to a “thrift store”:
The thrift stores are usually the non-profit organizations that work for charity and do not earn the profits. The earned profits are distributed in the charity institution.
The clothes that are sold in these thrift stores are less costly. So you must try to buy from there and thus saving the cost on clothes. This will also let you play your role in contributing for charity.
The key here is that, you should buy the less expensive clothes with standard quality rather than the branded expensive label clothes. Be practical and spend your money very wisely in order to gather something for the financially secure future.

Baby Monitors Realy Helps Mom To Take Care Of The Baby

Every woman take care of themselves when they become pregnant because they know if anything happens to them then it can harm the baby also.

She takes care of every single thing and takes every possible measure to avoid harm to the baby. The mother loves the unborn baby so she chooses proper nutrition and activity to ensure baby’s safety.

Finally after nine months the most awaited moment comes and the baby is born. The baby born is burdensome for most parents because they are very small and cannot do things by themselves and are totally dependent on their parents.

On the other hand the parents do every thing to make their baby comfortable and to protect them from any harm. Mother wants to keep an eye on the baby 24 hours but it’s not always possible because she also have other works to do like to take care of other family members and to do other house hold works.

Mother has many works to do besides taking care of the newly born baby. She has to take care of her husband’s satisfaction and also has to fulfill her responsibilities towards other family members.

The world today is a world of technology. Every thing has gone digital due to which our life has become easy. One such invention is baby monitors which has reduced burden on parents

What are Baby Monitors?

Baby monitor is a digital device which the parents can use to keep an eye on the baby. It is a device that emits frequency modulated signals between the ranges of 48,830 to 48,890 MHz. This device has two components the transmitter and a receiver. Transmitter is placed 8-10 feet from the baby or closer if possible.

The sounds made by the baby are transmitted to the receiver which is then carried around the house or it is placed somewhere where it is accessible to the mother or to the other person who is keeping an eye on the baby. The receiver is battery operated while the transmitter is plugged in to the socket.

What baby monitors do?

Baby monitors help the mother to watch on the baby even in their absence. The mother can do their work without getting worried about their baby.

There are a variety of products available in the market through which the mother cannot only listen to the sounds made by the baby but she can also see what the baby is doing. She can also play music from a distance to soothe the baby. Many modifications have been done in this device so that the mother can keep an eye on baby as well as she can do certain things from the devices which can entertain the baby.

Some devices also provide the services that detects even the minor movements of the baby like the breath of the baby. If no moment is detected for more than 20 seconds or the baby’s respiratory rate is below the level accepted medically then it will trigger an alarm that will notify mommy. 

This device helps parents to take care of the baby along with fulfilling other responsibilities. This device is mom’s best friend.

GE WIRELESS 50492 SmartHome Wireless Thermometer 

Now The Baby Monitors Are Available For The Deaf People

The cry of a baby is a precious thing for some people but some peoples are annoyed by the sound of the crying baby.

For a deaf mother and father the case is different because they cannot hear their baby crying or other sounds made by the baby so the parents get upset.

This can also create safety problems for the baby as parents would not be able to respond the baby when he or she needs them. Now the baby monitors are also available for the deaf people.

The normal type of baby monitor alarms parents each time their baby needs attention by transmitting the sounds from the baby’s room to the portable receiver which can be carried by the parents inside the pocket or strapped around the waste.

Baby monitors is very helpful for the parents because they can hear the cry of their baby even if they are in other part of the house. Baby monitors are also helpful for the deaf parents. 

Special features

Deaf parents have to suffer from many problems while taking care of the baby. They have to make sure that they are fulfilling the baby’s need and they also have to watch for the baby’s safety. These two things are a big challenge for the deaf parents as they cannot hear the cry of the baby so they don’t know if the baby needs something or not?

The baby monitors designed for the deaf parents have a vibrating alarm or a flashing light system rather than the sounds. Due to this the parents get alert when the baby needs attention.

There are some other products available in the market that uses other means for alarming the parents. One such product consists of receiver that has two parts: a main clock and a tiny sound sensor. The main clock is a sound alarm system that has a vibrating rod attached to it which is placed under the parent’s mattress. When the baby cries the alarm system triggers the rod to awaken the parents.

Some baby monitors come with a LCD screen through which the parents can keep an eye on the baby when they are not in their room. This device is very helpful for the deaf parents because then they can see whether the baby needs them or not? 

Factors to Consider Before Purchasing a Baby Monitor

Buying the most expensive baby monitor does not mean that you have bought the right baby monitor for your baby. A good baby monitor is that which is according to your need. Look for those baby monitors that can fulfill your requirements. Some people might not want to use their money on this device; rather they would like to save this money. But baby monitor provides you the peace of mind so you are investing your money on the right place.

While buying a monitor you must also check the portability of the device. You should check that whether the receiver is designed in such a way to limit your movements or it allows you to go far distances.

No gadget in the world can replace the actual presence of parent but having a baby monitor can solve much of your problems and you can also take out some time for your own self also.

Baby Monitor with flashing light 

Cutting The Monthly Bills Can Save A lot Of Money

Every one of us go to buy grocery items from the super market. But now-a-days the requirement is to shorten the time that is being spending in the supermarkets.

Longer stay will force you to buy almost every attractive thing. Before visiting to the supermarkets try to make the list of those items which you really want and try to be with that list.

Do not buy the useless and unnecessary things and leave the supermarket as soon as you have done with your shopping.
The happiness and comfortable feelings do not come from what you are earning. It comes from how much you are able to save monthly for securing the future.

By cutting from the monthly bills you can save a lot of money. Some people do not feel the importance of saving from controlling from the monthly bill expenses but the fact is that: it is the best opportunity to save from.
Following points will show how it works:
1.    Turn off appliances and lights when not in use:
Always turn off the electrical appliances and lights when nobody is using them. There is no use in keeping them open when nobody is there to take advantage from it. So it is better to save the electricity cost by switching them off.
2.    Use energy-saving lights:
You can also use the fluorescent lights that are energy savers. They provide less but suitable amount of illumination for us and at the same time it becomes the reason for saving the cost of the electricity.
3.    Always check for the leaks:
Water bills can also be controlled if you can make sure that all pipes of your home are free from leakage. Because the single drop of wasting water from pipe will cost you a bundle of money at the end of the month. So try to save your money from the water savings.
4.    Be more tech-savvy:
The new service offered by the network companies is tech-savvy. This technology let you able to use the emails and internet based chatting service at the low cost. You should opt for this service and try to avoid long distance calls to your family and friends. This will again cut down your billing expenses.
5.    Try to insulate your home:
You can even save the money by insulating the home with definite amount of energy. This will be money saver scheme and will save your electricity bills by maintain the temperature.
Try to be smart in managing the monthly household expenses. In this way you will be able to save lot of money in less effort. The need is to save the money which you are paying extra due to your some bad habits.

Baby Monitors and Wireless Interference

Some wireless household gadgets cause problems some times because of the interference. The usual culprits behind this are baby monitors and wireless phones, but we cannot stop using one device because of the interference caused by other device.

What is Wireless Interference?

Interference can occur in the form of static or buzzing sound. Other than this the baby monitors that send video may suffer from fuzzy reception.

The problem can also occur with the sound type of baby monitor. You can pickup your neighbor’s phone conversation on your baby monitors or vice versa due to which you can face problem in hearing the sound of your baby. 

How to fix Wireless Interference?

The interference problem is very bothersome. The solution to this problem is also available. Here are some tips that can help you to correct or at least minimize the problem.

Factor in your wireless phone:

To reduce the interference buy the baby monitors that have a frequency band other than the frequency band of your household devices. Most cordless phones have a frequency of 2.4GHZ. Therefore buy a baby monitor whose frequency band is other than 2.4GHZ.

Adjust the channel:

Many of the modern devices have an option of changing the channels in order to fix the interference issues. This is an easy thing to do. If you are using a wireless router than you will have to use your computer to resolve the problem. 

Opt for a wireless phone that utilizes the 900MHz, 1.9GHz or 5.8GHz band:

These channels are not as commonly used as 2.4GHZ frequency band so the chances of interference are less. If you have a preference for multiple-handset-capable wireless phones with a handset-conferencing option, then choose the one that makes use of 5.8GHZ or 1.9 GHZ.

Switch on the baby monitor first:

If you have bought a 2.4GHZ baby monitor with video capability and you want the transmission without any interference than switch off all 2.4GHZ devices in your house. After switching off those devices you can turn on the baby monitor and then the wireless router. After that you can switch on the base unit of your wireless phone. If you will follow this method then your monitor gets the initial accessible signal that gives an excellent reception.

Consider purchasing a digital baby monitor:

If you don’t want that the sounds from your baby monitor gat picked by your neighbor than buy a digital baby monitor rather than the analog one. In this way you will receive the sounds only from your baby monitor without any interruption from any other household device or the device in your neighbor.

Stay at a safe distance:

If the frequency band trick is not working and the interference is occurring than keep the wireless devices as far from each other as possible.

Baby monitors and wireless phones always interfere with one another but by using the above methods you can minimize this problem.

Baby Monitors: The Role In The Safety of Your Child And How It Works

In today’s fast paced world every body is struggling with their life and work especially if the family has a new born baby in house. Often it becomes very difficult for the parents to manage their life and work because they have to take care of the baby as well as other works.

It is not possible for the parent to be at two different places at the same time. When the parents are at work they are always worried about their children safety. Due to these reasons the baby monitors have become very useful for parents as they can monitor their baby when they are at work or away from the baby.

What Is a Baby Monitor and How Does It Work?

The baby monitor is a device that is used to keep an eye on the baby. It has two components, a transmitter and a receiver. It sends the video or the sound. Depending on the type of the baby monitor which the parents have chosen to monitor their baby.

The baby monitor is of three types audio, video and sensory. The audio type of baby monitor sends the sounds of the baby that the parents can listen from distance. The video baby monitor sends video of the baby to the parents which they can watch on a small TV screen and can keep an eye on baby’s movements. The sensory type is a movement detector that alarms the parents if the baby is not moving for more than 20 seconds.

How Does It Play A Role In the Safety of the Child?

The main thing that baby monitors do is that it helps the parents to watch their baby’s activity even if they are far away from the baby. Through this monitor the parents can watch out for any possible harm to the baby. The parents can go on their work without getting worried for their baby. Many of the baby monitors alarm the parents if there is any problem related to baby. 

Sensory monitors records the movements of the baby and alarms parents when baby is not moving for more than 20 seconds.

On the other hand the audio monitor sends the audio signals to the parents through which they can hear the sounds made by the baby and they can also know if the baby needs them or not by listening to their cry.

This technology has made the life of the parents easy because the parents can then monitor their baby even if they are at work.

In this busy world everyone cannot take out time to be with their baby all the time. The parents have lots of other works to do besides taking care of the baby so this device has solved the problems of many parents by giving time to time information of their baby.

Many parents are now using this device so that they can have peace of mind by taking out some time for their ownselves.

Can Digital Baby Monitors Harm The Baby?

We can see technology every where around us. Every day a new invention comes in to the market. Every thing has gone digital like the simple household appliances that we use daily.

This has made our life very easy but it is also a matter of concern these days that whether they are safe for our health or not? And especially gadgets like baby monitors that are placed very close to the children’s.

Many parents are worried about using baby monitors to keep an eye on their children because their children then will be exposed to too much electromagnetic radiation which can be harmful for their children as it can interfere with the normal development of body systems. So the question arises that whether these digital baby monitors are safe to use or not?  

What is Electro-SMOG and How Does It Threaten Our Health?

It is the electromagnetic radiation that is emitted by the digital devices like microwaves, cordless phones, television, digital baby monitors.

Many studies have been done on this and these study shows that frequent exposure to the digital devices can cause health problems like it can affect the nervous system. Initially the symptoms that appear in a person are headaches, chronic fatigue, abnormal behavioral patterns and disruptive sleep patterns. 

How Are Baby Monitors Different from Other Gadgets with Electro-smog?

Parents usually refrain themselves from using digital baby monitors because of the electromagnetic energy emitted by this device but on the other hand the companies that manufactures these devices says that the amount of energy emitted by this device is very less and it cannot harm the health of the baby.

One of the company that manufactures this device is Phillips and it claims that the amount of energy radiated by the device manufactured by them is 10,000 times less then the safety standard set in the international market. The company has also given advice to the parents that in order to assure full safety of their children they can keep the device 1 meter away from their baby.

Such technologies have many benefits which attract the people but on the other hand they also have some disadvantages.

The modern form of baby monitor is much better than the old one and it also provides privacy for families but parents who are concerned about their children’s health don’t prefer these things.

It is said that prevention is better than cure so the parents must take some preventive measures in order to keep their children safe. Parents should keep digital baby monitors at least 1 meter away from baby and avoid keeping extra digital devices like television, computer etc.

There is less chance of baby being exposed to radiations if the monitor is kept at the safest distance from the baby. The distance of monitor with baby should be at least 1 meter. The companies are trying to make the technology much less harmful so that the people can use it without any worries.

The conclusion is we can use baby monitors to keep an eye on the baby but it should be used in a way which cannot harm the baby.

LYD W386D1 2.4 Inch LCD Wireless Digital Baby Monitor Kit with Pan/Tilt and Two-Way Speakers 

After School Programs In The Community

Government has also motivated the management of the after school programs and it has allotted the separate funds for these institutes.

US department of education and justice have published the report and admitted the importance of such programs and also stated that these programs are benefiting the whole society as a whole.

It was also figured out that Americans love to provide the after school programs in the community too.
The after school programs have become essential for especially the weak students who do not show the satisfactory performance in the school.

The children of the poor families, who cannot afford to send their children in such programs, are seems to be more weak in grammar and reading. Such children show the poor performance and dropped grades after the summer vacations.

Schools must follow the children in vacations so that they do not lag behind from others. That is why government has allocated funds for the school to offer the activities during the weekends, summer holidays and even after school regularly. These programs are carried out in safe, drug free and structured environment.
The enhancement in the critical skills is one of the primary objectives of school-based after school programs. They work hard with the children to improve their skill level.

Some schools provide extra mathematical, reading, problem solving and comprehension’s knowledge. Some offers the preparation of the children to get admission in the colleges.

Some offers career planning, teach the children that how they can boost up their career in the teaching field. Some offer the involvement of the children in the telecommunication and technology, music, arts and other learning programs.

They offer all these in low and affordable prices to make it for the low-income families who consider all such activities as luxury.

Children always have eager for food. School programs also offer free snacks for the children and add value to their program. Schools are sponsored by the companies that offer free or less price snacks for children. The national school lunch is one such company that offer free snacks for the schools who have applied for it.

Schools also get funds from CACFP repay expenditures for the children above 13 years old and depending upon the locality of the school. If the school is in the low income area then it will get supper for the children who are below 19 years. NGO’s also offer free breakfast, lunch and supper for the deserving schools who cannot feed the children.

Start Investing: The Amount You Should Invest

First time investors usually think that they need to invest their whole savings. But that is not mandatory. One can determine that how much he/she can invest and what are their financial goals at which risk tolerance level.

For investing, one must know how much of his/her saving he/she can afford to invest. One must know that what was the purpose of the saving actually and how much of it one can invest in order to earn more money but without putting themselves in high risk.

One must have 3 to 6 months of living expenses in their saving account so that they do not need to ask for money from any one.  So start with deciding that how much of money one must need in the nearby future and remaining invest. One can invest funds if he/she has been inherited recently so that to earn more on it without been compromising on their saving.

The next step is to see the sources of income so that one can decide how much one can invest in the future. From income one can make his/her expenses and also decide how much of the earning to be invested by making their investment portfolio. For this one must consult an expert financial planner that will help them to determine how much of earning one can be able to invest.

Financial planner will also guide you in investing the appropriate amount which will also not let you suffer and also reach your investment goals.

Certain amount of initial investment is required in every type of investment. One must do research and must find out the investment before investing in any type of investment. Research will also let one know the initial investment requirement.

If one do not have enough amount of money to meet the initial investment requirement one must in that case find that type of investment whose initial investment requirement matches with their investment amount. The keep is to never borrow money from other to invest and also never invest that amount which one has saved for other purpose.

Recreational Activities

After school programs have been divided in to three wide categories. These are recreational, academic and social programs.

The physical, mental as well as educational achievements of the children are dependent on the balanced development.

The recreational programs are sub divided in to activities based on recreation and sports. The most common ones are swimming, football and basket ball. Some of clubs also offer the programs like trekking, gymnastic and hiking. Before going to such programs first aid classes are given.
Recreational activities give an opportunity to the children for letting off the steam and enjoy away from the boring class room’s environment. Natural enthusiasm and energy of the children dies in the closed class room with the textbooks.

They restrain their energy and sit back quietly in the class room. All the time sitting without doing some physical activities, children become fater and obese. Obesity gives birth to diastase then. So it is very necessary for the children to get indulged in some physical activity and burn their fats.
The aim of the recreational program is to make full utilization of the children body and make them active. Only physical fit child will be mentally strong and powerful. He/she will be able to focus on his/her work and thus will be achieving better. Recreational activities also teach the discipline, fair plays and mechanism of teamwork. All of these are very crucial in growing process.
Now-a-days men and women both are working, thus the children have to face isolation most of the time at home. Their life is confined to the school and their bedrooms. They do not make any relationship with outside world.

For such children the recreational activities offer the platform to meet others and also let them play with other boys and girls. Scouting and guiding are good activities in the recreational aspect. Survival programs are also designed for the children to make them learn how to fight with the emergencies. These survival skills are taught through the sports and the games.
Recreational activities are designed in such a manner that ensures the safety of the children and involve them in interesting activities. These activities are the best way to keep the children away from the street and troubles. But it is also crucial for the parents to take the child age under consideration while enrolling him/her in such activities.

These activities require the physical caliber of the child, so he/she must be in proper age and must be healthy enough for such hard work.

Save Your Future Financial From Now

The biggest challenge the world is facing today is of inflation. So saving from the limited resources have become so much difficult now-a-days.

The inflation is rising day by day and there is no hope in future to control this. So, if you want to make the future sound and financially secure you must need to save now. 

Make saving your goal and fulfill the future requirements like purchasing the new house or car, paying the college fee of your kids and even planning a grand holidays.
You can save from your limited income if you follow some of the tips given below and make saving your purpose of living:

Start at Your Own Home:
It is well known proverb that “charity begins at home”, as well as saving must be started from own home. Ask every family member to play their role in saving whatever they can manage to save.

Little Efforts:
Try to avoid making the transportation expenses. If you need to go some where nearby, try to go by bus or walk to that place in spite of driving car. Similarly, if you have bike you can travel through that mean. Try to make plans with friends or neighbors for doing the household activities like buying the grocery and ask them to save money too by dividing the transportation cost among themselves.
Also try to save yourself from getting attracted towards those products which you really do not need and you just buy it to satisfy your untiring wish list. Try to cut down such types of expenses.

Use Less and Save Energy:
Electricity: you can save electricity cost by the usage of the energy saver bulbs. Plus you should turn off the excessive lights when you do not need it. After using the appliance turn it off. If there is no worthy program coming, turn off TV. By doing such you will be able to save the cost.
Water: You can save water expenses by making sure that there is no leakage in the pipes. Also make sure that there is no dripping in the taps. Some people have bad habit to open the tap when the brush teeth, they should use glass instead to save water.
Phone: Always try to select that network which gives you cheaper call rates.
Gas: Save the gas expenses by getting the membership from the gas stations. You can pay less for the gas if you yourself pump up the gas. Do not use the air conditioners in the car, just keep the window open to enjoy the fresh breeze from outside and enjoy the ride. If you have any intention to buy a new car opt for that car which cost you less gas expense.
By doing the above mentioned points you can save the money for the family and also take part in fighting against the energy crisis. These points tell you the simplest and easiest way to save money for benefiting the future.

Develop The Reading Habit Since Childhood

In today’s world, it has been seen that the people are getting away from reading books and becoming close to the monitor and television screens.

This dilemma cannot be solved if the reading habits are not enforced in the children from the young age. Parents should force their children to develop the reading habit since childhood.
Enroll your child for reading classes:
There are many institutes that offer the children after school to come and help them to learn the idioms, pronunciations and phrases. In order to drive the attention of the children, these programs aim to learn through silly songs, fun with animated characters and photos, rhymes, picture books and attractive stories. With fun, children will be able to develop the habit of reading.

Pique your child's interest:

You can present your child with the series books of his/her favorite featured character. It can be spider man or Barbie or any animated character.

Build a home-library:

If you want to develop the reading habit in the children, you should not only be dependent on the after school programs. But also play your role. You can fetch the books for your children. Internet is also the source of reading and playing games. Also internet is a good source of fine arts.

After School Programs: From Fun To Education

More parents are putting interest in the after school programs, as well as government is also showing keen interest.

That is why new and unheard programs have been introducing. The after school activities use the child’s irrepressible energy and make the child more responsible as a person, as well as a citizen.

Investigative Skills:
Some schools in Kernersville plan their programs to develop the analytical and investigative skills. Children are allowed to meet the adult members of the school, who let them know the non-violent criminals stories and ask them to figure it out the guilty person.

Children gather the footprints, listen to the defense and collect other important evidences. It develops the problem solving skills in the children. It also makes the children to learn to analyze critically and analytically.

Fisheries and sciences:
There are also the institutes in the North Carolina who offered the students to win the scholarship so that they can pay their school fees. They ask the students to do the fisheries science experiments in marine setting with fresh water.

This is done under the supervision of the experts and professionals from the fisheries world. The wining student is awarded by the $3,000 scholarship amount.

The examples mentioned above have proved that the after school activities are not only confined to the ordinary programs, rather it is now finding new ways that drive the motive from fun to education.

Lets Start Investing

You can invest your money even though you do not have complete knowledge about the stock market. But the only key to do this is to initiate with the low risk tolerance as a conservative investor so that by the time you can learn more about investing.

For initiating you must have your interest bearing saving account in a bank from where you usually do checking or any other bank. Saving account pays you 2-4% of inters on your invested money.

You can start with a little amount does not need to have millions of dollars. Small money then eventually turns into bigger amount.

Rather than investing in saving accounts you can also invest in money market funds. These types of funds pay more interest ratio and they work in the same way as saving accounts do. They are also the short term investments. That is why your money do not bound for the long time.

Certificates of deposit are also another form of easy investments with lower or no risk at all. They pay even more interest than money market funds or saving accounts.

Investing in CD allows you to select the time period of the investment and on that interest is paid on regular basis until the maturity time. Insured CD can be bought from the bank and when it matures the interest amount and the original investment will be earned.

The best initiating point in investment is from above mentioned threes ways. In this way you will be able to earn money and make your small amount a bigger one. In the mean while you can learn about investment techniques with high level of risk.

Aspects That Makes The After School Programs Famous

Now-a-days children are becoming the main attention for the society. Government is ensuring that the new ways must be figured out to ensure the security and safety of the children. These programs are aimed for the development of the children. Following are some aspects that makes the after school programs famous among the society.
1.    Preventing Juvenile Delinquency, crime and violent victimization:
Approximately 10% of the juvenile crimes take place between 3am to 4am. That is the crucial time when children need to be secured and saved. They should be kept away from the troubles.

2.     Preventing alcohol, drug and tobacco use:

Most “latchkey” children are curious to try the new things to become famous in the social group. They usually indulged in drugs, alcohol and tobacco use. After school activities have mentors which develop the meaningful relationship with the children and keep them away from such things.

3.     Decreases appetite for Television:
On average the TV watching hours per week is approximately 23 hours. While they watch TV they eat more thus become more fat and they do not utilize their mental and physical skills. After school programs ensure that the children spend their more time in performing the task.

4.    It also improves the achievements in the academic work.

5.     Improving school attendance:

These activities develop the confidence and lead the student to take more interest in school work. It also improves the attendance of children in the school.

6.     Improved behavior and inter-personal skills:

These activities let the child handle the conflict better and give them confidence in dealing with the other authority figures.

7.    They are used to tie the family and community closer.

How Credit Cards Help You In Saving Something

Credit cards are there for a long time and everyone is aware of the benefits it provides. When you go on shop and run short of cash, it is the credit card that let you still shop without paying the cash. In fact the credit card, which is the plastic money has become the conventional way of paying the bills and shopping expenses in one’s life.
So the question here is: whether your credit cards help you in saving something?
The possible answer to this is; yes, the plastic money can let you save money. Let’s see how:
1.    0% Balance Transfers:
As you know that plastic cards have become the member of your family and it is one which satisfy your all wants. The need is to lessen down the interest rate which you are paying by using those cards, try to shift on that credit card companies who are offering the less or no interest rate. 0% interest is charged during first few months and than 16.1% interest has to be paid instead of 19%. This difference can save you almost 2.9% of your money.
2.    Lower Interest Rates:
If you are looking for buying the credit card try to opt for that card which is costing you lower interest rate without charging any fees annually.
You can save your money on buying the less expensive products but what will be the use if you pay the higher interest rates. So better is to save the money on paying the low interest rates. Find those companies which charge you less and charge no annual fees.
3.    Rewards Program:
Introduction of reward point systems and cash back offers now let you avail the 5% off on your purchases even though you have low balance in your account. In fact, cash rebates up to 5% can be availed by shopping at the grocery stores, gas stations and other convenience stores. This can be applied with your bill automatically. So you can save by availing these facilities.
4.    Maximizing the Experience:
A sensible person will always try to grab the best deals offered by the credit card companies and cautiously avail them. Try to get benefit from these offers and avoid seeing the drawbacks only.
In order to save the money on your credit cards, try to read all the terms and conditions mentioned, before buying one for you. Try to learn that what the penalty will be in case of late payments and compare it with the other company’s policies. This may save you from paying the higher charges.
Do not ever forget your main goal that is saving but at the same time do not compromise every time in spending money on shopping.

After School Programs: Over Scheduling Put Burden On The Children

Researchers have shown that the after school based programs overburden the children.

It keeps them too much busy in performing various activities like going to trips, playing sports, attending the class and other structured activities.

It has made the children life too much complex and busy and parents are complaining that the children do not have time to spend with the families.

Over scheduling, due to such activities, demands more time from the children. Extra burdens lead the children and his family in stress. The importance of the regular studies cannot be ignored. Children even try to achieve more in their academic careers, thus taking too much burden on his/her fragile and little shoulders.

Traditionally the children go back to the home after attending the regular school classes. But socially and economically, reality is that the children cannot go back to home as parents are working and no one is there to take care of them. For these children, after school programs are the last resort.
But parents should not enroll their children in too much programs. Although the after school programs are better for developing certain skills in the children, but it’s over involvement put burden on the children.

Enroll The Children In After School Programs

Most of us think that when school is providing extracurricular activities and sport programs in the school timings, then why to enroll the children in after school programs.

The answer is simply: these activities are sprouting up in the large numbers and they are always booked fully. Of course the crowd and interest of the children and parents in such activities, show the importance.

Working parents have no option but to leave the child alone at the home. Where they do not have much to do and have much free time.

We all know that the “An idle mind is a devil’s workshop”. So there is tendency for the children who are left by the parents alone for approximately 20-23 hours per week, to get involved in the wrong company. Sooner or later these children get involved in drugs taking, tobacco, alcohol and the other crimes.

So parents must enroll their children to keep them busy under the supervision of school’s management and save them from such bad habits. In this way children can enjoy their life in free atmosphere and parents can also be free from tension.

These activities keep the children away from the boredom and also provide them the security. The peak hours of crime is from 3 to 4 PM, which is the time of the school offs. So it would be dangerous to leave the children alone during that time.

Another important reason is obesity. After school timings, most of the children take the packet of chips, soft drinks or chocolates and use to sit on sofa for watching TV.  Approximately 30% of the children under 19 years of age are overweight and 15% of them are obese and look like couch of potatoes.

After school programs ensure the physical activity of the children and keep them busy in doing something worth. This reduces the habit of watching TV and playing video games.

These activities are like building blocks of children personality. It not only creates the sense of social responsibility in the children but also makes them a worthy citizen.

Parents want their children to make achievement in the academics and extracurricular activities with the dynamic world. This wish put lights to the unfulfilled desires of parents in their childhood.

Whatsoever X and Y reasons are, the fact is that the parents want their children to get enrolled in such programs to boost up their skills and capabilities. Children also want to be with the world and desire to learn more for their bright future.

About Investment

Investments have been divided in to three groups. These are: stocks, bonds and cash investments. These types look very simple but the fact is they are very complex. Each type of investment has been further divided into many categories.

The complexity makes it difficult to be understood by the lay man. The stock market is a terrifying place for those who have less or no information about investments. Fortunately, one needs to understand only that type of information which is directly related to their investing criteria.

Investors are of three types based on their investing criteria and risk taking abilities. These are conservative, moderate and aggressive. The two different types of risk tolerance levels are: low and high risk.

Conservative investors are low risk investors who invest their money in form of cash in the money market accounts, interest bearing saving accounts, US treasury bills, mutual funds or deposits Certificates. Their money grows over a period of time very safely.

Moderate investors are one who invests their money in form of cash, bonds or dabble in stock market. They tolerate the low to moderate risk and also invest in the real estate who which involve low risk for them.

While the third type is: aggressive investors. They usually invest in the stock market and tolerate the high risk. They also make investments in the business ventures.

For example they may buy the old building and invest more in its renovation and takes risk in old properties. They may also rent apartments more than the actual worth of the apartment again at the higher risk levels. This risk taking do not works for everyone.

So before investing in the stock market one must learn about different types of investments and there mechanism. One must understand the level of risk associated with investment and must looks to the past trends. As the famous proverbs says: history repeats itself. This can also be valid in stock market.

Methods In Creating The Motivation For The Children

In the early timings of enrollment in the after school activities, children are excited and enthusiastic. They happily go to attend after school programs.

But as the time passes the excitement fades away. The main dilemma arises here for the parents. They think that what should they do in creating the motivation for the children to attend such programs?
Here are some solutions that will help in creating the motivation for the children:
Make the career-academics connection early on:

Let the children understand the importance of the education and try to create a link between the academic work and the real world. They must know that if they will study harder now only then they will be able to foster their career in the future.
Set goals:

Explain your child about the importance of hard working and do let them understand that hard working will reap you reward. Give them examples about the achievements of other hard working people. In this case they will make their aim to work hard and will less likely to leave the after school programs.

Reward success:

Appreciate the achievements of the children and praise his/her hard working. It will increase the confidence and self-esteem of the children. Do not ever criticize the efforts of children, it will ruin everything and will make destruction in his/her thinking.

Lets Manage Your Financial Resources

If you want to save yourself from difficult times, emergencies or bankruptcy, saving is the option. Saving not only saves from the above mentioned problems but also let you to find possible ways for expanding your business and to earn more. 

You cannot confine yourself with in the boundaries of your current employment. You need to expand these boundaries rather you can initiate your own business from your savings. You can also use it in giving loans or can deposit it in saving account so to earn interest over it.

The key to perform all above mentioned task lies in saving, less spending and preparing you for the future un-forecasted circumstances.
The aim of this article is to guide the people who want to effectively manage their financial resources and want to tame their spending habits. Some tips are given below:

•    Wants and needs:
There is a thin line difference between needs and wants. A need is one that if it is not fulfilled people will feel deprived and considered poor. The need is very important and must be fulfilled.
The primary examples of needs are shelter, food, transportation and clothing without which we cannot manage our life. Now-a-days cars, mobile phones and other gadgets have become the part of necessity too. But you should buy that device or car which you can afford easily. Of course with pay of $10,000 you cannot buy car that worth $40,000 to $50,000.

The same case is with your cell phone. You can have it to fulfill your need .but it is not necessary to buy the latest mobile set that releases every month or so.

•    Less Is best:

We are not born in the royal family. So we cannot spend like a king or a queen. We have to spend in our limits. But if any month we able to save the extra money we can spend in on eating out. We sometime can afford little affluence food, cloths to pamper the body, accessories and other services. But this can be for the special occasion, not for daily routine life.

•    Spend Less; Save More:
Some people have bad habits and they are indulged in spending more and more. They even spend more then what they actually earn. You should allocate some percentage amount in your saving accounts every month and rest you can spend on your household expenses.

Some times there are some unexpected events and parties. You must allocate certain amount for that situation too.

Tips To Find After School Programs

Before enrolling the children in the after school activities, you should gather all the possible information. Enquiries from the school authorities must be done.

Ask the school authorities that whether they are offering after school activities or not. If yes then find out which classes they are offering and the timings and in case of no, try to find out other institute.

You can inquire your neighbors to find out the institute who offer the classes and can also ask the community resources like community based centers, libraries, museums and the clubs for boys and girls etc.

After gathering the required information, now the time is to discuss about it with the children. You should try to figure it out that in which programs children are most interested. You can ask them about their interest and enrolled them in their desired activities.

Regularly monitor the development of your children by attending these activities. If children show resistance to any activity, do him/her quit that activity and try to find out the other alternatives available.

Appoint the tutor for the children at home, so you do not need to give them the pick and drop service. Also plan some activities at home for them.

After School Programs for Different Levels

Parents mostly enquire about the time given to the children for performing various after school activities.

They are too much confused in knowing that how much of the time would be enough for the children to play and how much must be given for the studies.

In order to answer these queries following are some guidelines:

In kindergarten the children have just initiated their school life and they are learning the discipline and interacting with others, so it is better for them to have simple and carefree after school life.

Grade 1:
For grade 1 children, once of twice classes of playing and visits to the play grounds are suggested, per week. Do not force the child to win the game, keep them away from the competition. They are too young and cannot afford such mental stress and pressure. Physical activities to use the energy are best for these children.

Grade 2:

Grade 2 child are mature enough to make his or her decision. So let them decide what they want to opt for. Whether it will be swimming, sport, skating or computers, let him/her decide. Also give them time alone so that they can unwind their talent and figure it out about their wishes.

Grade 3:

Grade 3 children are more socialized, that is why they must be allowed to play sports in teams. At this stage skills of painting, drawing etc are tried to develop. The children, but must keep separate time for family and for such activities.

Grade 4:

The child in the grade 5 has his/her voice to rise up their demands and wants. They choose their activities themselves and most of them are to increase their confidence level. At this stage the social pressure is too much. Make sure your child is learning stress management. They are doing their homework along with these activities, as the studies need much time from this grade.

Grade 5:

The children in the 5th grade have lots of energy and eager to try everything undone. For doing such they push the studies backward. Strict supervision from the parents is required here. So, parents must keep a day or two free in a week for family and other activities. At this age children can be directed towards the community services.

Middle school:

At this age, the children are more focused towards TV. Keep an eye on what and how much they watch. Try to involve them in activities like joining the language club, girl guides or boy scouts, chess clubs etc. 16-20 hours per week for extracurricular activities will be enough for them.

The children’s personality is wholly and totally dependent on how much they have attended such activities. As a parent, it is essential for you to help your child in making decision about which program they should select for grooming themselves.

Different Kinds of Stock

Stock market has ability to create confusions for the first time investors. So if you are new and do not really know what is the stock and what are its type you must read this article develop your understanding about it. 

The investors who do not know actually about stock market are likely to invest their money unwisely or they may have to bear looses from it.

Common stock is a type of stock in which you can have power to select the board of directors but you do not have power to participate in the company’s day to day activities.

If you have make investment in the common stock you can earn profit or bear lose depending on the performance of the company. If the company performs outstanding your invested money will grow and if it poorly performed or bankrupt your investment will be lost.

There are different classes in the stock. The companies decide about the classes. These can be named as Class A and class B.

The class A owners have more power to vote against one share than class B owners. Usually investors do not want to invest in those companies who have more than one class. The stock with classes does not fall under the common stock.

The preferred stock is another type of stock and it is more upscale type. Inventors of preferred stock actually invest in both stock and bond. They have more right over the dividend even before the owners of common stock.

In case of bankruptcy of company they can get their investment back by claiming the asset of the company. But one must also know that company has power to buy the stocks from the owners of preferred stock if it wants.

Evaluate The Best After School Program For Your Children

There is pool of activities waiting to be selected for the kids. Each one of them is too much attractive and looks good. But you of course do not want your kid to waste his/her life in making fun only.

You should critically analyze each and every activity and find out that which one is offering learning with fun and is most effective in best utilization of time.

In order to choose the best after school activity, this article will provide you some guidelines that are given below and will help you to gauge out for the best program.

Before enrolling the child, enquire about the objective and aim of the program. What unique is it offering? How many children are in the batch? How they will achieve the desired results? Etc. So before paying the cash decide what you are getting in the return.

The understanding of the new concepts is crucial, so after school activities must offer such opportunities. Whether it be the educational activities or recreational one, which involves throwing the ball on a pitch or dancing on the tune, child must learn something new from it and must understand the basic concept behind doing so.

After school activities not only keep the boredom away but also develop the confidence. It develops the personal, social and academic skills in the children. It also enhances the self-esteem of the children.

After school activities boost up the competency in the children. It promotes the resilience among them and also motivates them to become mentally, emotionally and physically stronger.

Safety is the matter of priority. So enroll your children in such after school programs where management fulfills the security requirements. Staff members are qualified, alert and must have friendly nature to get easily mingled with the children.

Experts and trained staff are important in such programs, so that they can easily interact with the children and children must accept them as a friend. Such programs must promote the collaboration and participation among the children rather then competition and jealousy.

Children also want to take part in making the decisions for the family. But most families do not let children in such discussions.

Some after school programs offer the children to make the crucial decisions and thus polish their skills. They give them the scenario and ask them about their suggestions. Children also have desire to be listened and respected like others.

Parents must do the routine evaluation. If the children are not learning something new and just waiting time, try to get them enrolled in other after school program that is worthy.

With the help of these guidelines, you can easily evaluate the best after school program for your children. But do not forget that fun is also important with learning. Must find the balanced after school program.

How To Save Money In Different Priorities Of Family Member

Budgeting the money has now become a big issue for most of the families. Every family member has different priorities so it may cause conflicts in families. Here are some tips that can help you with budgeting.

Set your priorities:

Set your priorities at the beginning of every year and post the paper where very body can see so they can remember that what the priority of their family is for the next few years. Your priorities can be based on health or the future of your children.

List down your goals:

After you have set the priorities then decide your goals. Goals are specific and measurable conditions that, when achieved, will support the priorities. Make your targets like if you want to give your child good education then 10-15% of your income is a good and easy target to achieve.

Work towards your goals:

When you are done with setting the priorities and goals then do every possible thing to achieve that. Keep the track of your progress like if your goal is to save the money then keep a diary in which you can keep the record of your savings and expenses.

Evaluate your family life:

At times when you feel like evaluating your life, then check how well your family is doing to achieve the goal.

After School Programs: The Developmental Requirement of The Children

With growing age of the children, their mental, physical and emotional needs changes and they develop with the time.

As parents, it is essential for us to understand the child’s growing needs and try to help them in reaching to his/her full potential.

Children’s development age is being divided into the three stages. Each stage requires the different developmental programs.

So, find the after school program that support the growth curve of children.

The growth curve is as follows:

1) Young child (ages 3-5)

2) Middle school (ages 6-8)

3) Older school (ages 9-12)

As well as there are four developmental domains. Given as:

1)    The Physical Domain

2)    The Social Domain

3)    The Emotional Domain and

4)    The Intellectual Domain

Each child is in different phase of the growth, so these domains are needed to address separately. After school activity must evaluate the development domain of individual child and accordingly assign them activities.

Children enrolled in same activities may not necessarily produce the same results, even though they are of same age and have receive the same opportunity, because each child has different needs and they will develop when they will be ready for it.

Let’s analyze each domain separately:

Physical Domain:

The young child wants to have perfect skills which he/she have learnt. Like catching, jumping or throwing balls. They want to be best in it. Whereas, the middle school child wants to acquire for the complicated skills and he/she are more involved in teamwork.

The best time for them to learn the discipline in the sports is this. While, the older child are more structured and discipline oriented. They always opt for the adult-based and challenging activities like gymnastics, dancing and musical classes.

Social Domain:

Socially young children want the adults to guide them in playing games and they observe the other’s sports. They mostly believe in the short term friendships.

The middle school children, on the other hand wanted to be intrigued by the society and they enjoy visits at factories and big buildings. They have eager to learn about different peoples from different cultures, customs and foods. They also want to do some social work for the society.

Intellectual Domain:

Young children practically apply what they have learnt in the school. The middle school children want to have more and more of knowledge and skills.

They show great interest in dramas, reading and problem solving. The older children are more judgmental and they want some puzzles to be get solved and they do research and investigations.

After school programs must know the developmental requirement of the children in planning the activities for different age groups.

They must know the children needs and appreciate the group participation in planning the activities.