Tag: Parents

Government Grants For Single Parents

Government grants for single parents are a great way to get that extra funding you need to make ends meet. You can go back to college, fix you your house, buy fuel, or even get extra money to put towards food. Whatever the financial need, there are many single parent government grants out there for you.

Before you get a government grant, it`s important to decide what exactly you are looking for in terms of government financial help. Are you looking for short term help, or are you looking for permanent solutions to your problems. There are many programs offered by the government that will give you short term assistance, but there are also many other programs out there that you can use to help give you permanent help as well.

As a single mother, you need to ask yourself how you can change your life for the better and find a better job so that you live in financial comfort.

The best way to accomplish this is to go back to college. College will also you to gain education needed to apply for much higher paying jobs. Now you might initially think that college is to expensive as s single mother, but there are government college grants for single mothers that will help you afford college. It`s just a matter of you applying for them.

If you want to get government grant for single moms, you are going to need to apply to as many grants as possible. The more grants you apply for, the higher your chances of getting some grant money.

Getting government grants for single parents is actually fairly easy, if you know how to go about applying for them. The key thing you need to remember when applying for single parent government grants is that you need to really send out a lot of applications to have a chance of getting any money.

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Government Grants For Single Parents

Government grants for single parents can make a big difference in the life of a struggling mom. It`s simply a matter of applying for these grants to get the money you need.

As a single mother, life can be tough. It`s hard to put food on the table when raising kids by yourself. The majority of single mothers live in situations that are less than idea. As a single mom, it`s important that you spend the time looking around trying to get the help that you need. Grants are not given to single mother automatically – even if a single mom needs one. You are going to have to go out and actually find a grant you qualify for, then apply for one.

The best way to find a government grants for single parents is to actually look for them online. There are many source of grants: government, college, employers, and private organizations. It`s not always easy to find grants that you qualify for – you are going to have to spend some time looking around.

There are many websites online that are quite useful in helping you get grants because they list many current grants being offered by both the government and other parties.

Keep in mind that grants come and go, so a grant offered last year may not be offered today.

You can also use your own research to find grants as well – the more research you do, the better the chance you will have of finding a grant that you can apply for with a good chance of getting the money.

Grants for single parents can make a big difference for those parents that are struggling to pay the bills. If you want government assistance for single parents you are going to have to actively pursue financial help through grant, loan, and scholarship applications.

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Life Insurance For Parents

On 9/11 two families I knew from my swim club lost their husband/father. There aren’t enough adjectives to describe the emotions we all felt not only for those poor, young families. There was, however, also a sense that many of us (the members) dodged a bullet, for it could have been any one of us who lost a family member. I remember telling my wife, shortly after 9/11, that I was just sitting in a seminar in the towers two weeks before. My friend had a 9 a.m. business meeting in the towers the week before. Another friend had to cancel a meeting on 9/11 for personal reasons. Any one of us could have been “them”.

So where are these struggling families now? Every summer I still see them at the swim club. The kids are getting bigger. They run around with my kids and my friends’ kids, smiling and laughing and living. I see the mothers at various little parties at the Tikki Bar, drinking and laughing and living.

Their lives are certainly different. Their Dads are missing from the picture. But there they are living the same lifestyle they had before 9/11.

How is this possible? Life insurance. Each of the fathers was smart. Very smart. Why? They believed in life insurance. They were not like most people who see life insurance as an expense, a product to be sold to them by some aggressive, commission-seeking life insurance agent. The see life insurance for what it really is, a deferred asset. These two, smart, husbands and fathers were not satisfied with the meager life insurance their employers provided. They sat down with an insurance professional and, together, determined how much life insurance they needed in order for their families to live the same exact lifestyle in the event of their death.

This isn’t an illustration, this is reality. When someone dies the thought that races through the minds of many individuals is that it won’t happen to me. It only happens to the other person. Well to me you are the other person. People die. Fathers die. Mothers die. It happens every day of every week of every month. When one of the individual’s who dies is a breadwinner the effects upon the family are compounded if there is not adequate life insurance. If you are a parent and you don’t have adequate life insurance you are being negligent and uncaring. Life insurance is a must have for all parents.

How much is enough? As a financial professional I use the following formula to determine how much is enough for my clients:

Gross annual compensation lost as a result of death divided by 5%

Example: Joe and Jean Smart are married with three small kids. Joe makes $ 80,000 a year and Jean makes $ 20,000, working part time. Joe has $ 200,000 in life insurance provided to him by his employer. Jean has none. Both come to see me to find out how much life insurance they need. I go through the above formula: $ 80,000 divided by 5% = $ 1,600,000 minus $ 200,000 = $ 1,400,000. If Jean dies, the family will need $ 400,000 to replace her lost wages.

Why the 5%? If you were to invest Joe’s $ 1,600,000 into a relatively conservative investment that generates 5% interest it will produce $ 80,000 of income. If you were to invest Jean’s $ 400,000 into the same investment it will generate $ 20,000 in income. Financially, the family is secure.

Some may look at this simple illustration and argue that they could cut their insurance need in half and use some of the principle. Well, if you did that, in 14 years you would be out of money. What if you reduce your need to $ 1 million, and use the principle? In 20 years you would be out of money. You see, there is no way of making the case for using the principle to fund your lifestyle if you plan on living for a long time. Eventually you will run out of money. The only way to insure your financial future is to determine how much income you need to replace and obtain an amount of insurance to help fund an investment to generate the income you need.

There are two types of insurance: Term and Permanent. Term insurance is pure insurance. You pay for the death benefit and that is all. Term expires every year and must be renewed every year. Term is the cheapest type of insurance available. Permanent insurance is a combination of death benefit and investment. The premiums are higher and the reason for this is that part of the premium is used to create some type of investment return, known as cash surrender value. This cash surrender value builds up over time and can be used to pay the premiums down the road. Thus, it is permanent. Which type should you own? In my opinion everyone should have a combination of term insurance and permanent insurance. The term coverage should represent about 70-75% of your total insurance coverage and the permanent the rest. The reason for this is that as you get closer to retirement age, term will be too expensive to maintain any longer. The permanent insurance cash surrender value can then be used to help provide some supplemental income in the form of borrowing from your built-up cash surrender value, which would be tax free. As you get closer to your retirement years your insurance needs are reduced and the permanent insurance will be there to provide some death benefit for your spouse as well as some supplemental income.

If you have young kids you have an adult responsibility to provide your family with adequate life insurance. It is hard enough on the family, psychologically, when a spouse/parent dies. Don’t compound it by further burdening them with financial trauma as well. There is no smooth transition when a loved one is lost, but compounding that loss with the need to sell the home, move into a cheaper neighborhood, uproot the children, just exacerbates the situation. Do the right thing and do it today. Get to an insurance agent and find out how much you need. Listen to them and do not challenge them. They are the professionals. They are there to help. Be a smart and caring parent!

Tom is a Certified Public Accountant, a Certified Financial Planner, CLTC (Certified Long-Term Care) and President of Cerefice & Company, the largest CPA firm in Rahway, New Jersey. Tom works with clients helping them manage their money, retirement planning, college savings, life insurance needs, IRAs and qualified plan rollovers with an eye towards maximizing tax benefits and minimizing taxes. Tom is founder of the Rich Habits Institute and author of “Rich Habits”.


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The Benefits of Massage For Babies, Children and Parents

As parents we naturally share feelings of touch with our babies and children with loving hugs throughout the day or a soothing rub to make things better after they hurt themselves. Increasing this instinctive touch by offering a more structured body massage is a wonderful way to bond and has numerous physical and psychological benefits for both you and your child.

The main benefits of massage for babies and children can be summarised as follows:

Improves a child’s immune system
Helps regulate digestive, respiratory, and circulatory systems
Relieves discomfort from gas, colic, congestion, and teething
Decreases production of stress hormones
Children who receive massage are more sociable, co-operative, happier and less likely to be aggressive
Promotes deeper and uninterrupted sleep
Creates a stronger bond with caregiver

The benefits of massage are also extended to the giver as well as the receiver. Giving a massage is often just as relaxing and stress relieving for parents and provides a genuine period of quality time, in what can be busy days of other parenting and work duties.

The extra benefit for parents who offer their children regular massage is that they often want to return the favour. Having your four year old give you a back and shoulder rub is definitely a treat not to be missed!

So when can you start giving massage to babies? Well most experts agree that massage can be given from the newborn stage although they caution to keep it short (5 minutes or less) and very light to avoid over-stimulating their delicate system. Even premature babies can be given massage and various studies have shown the benefits of greater weight gain and a faster release from hospital.

Massage can be continued for children of all ages according to their needs and desires.

If they request you stop or are extra fidgety it is best to wait for another time when they are more receptive rather than force the issue. In most cases they will look forward to their special treatment and their ability to relax and be still will improve every time.

There are many courses and books on baby and infant massage and you may feel happier to start after a little training. However, the intuition of a parent is often all the experience you need. The basic points to remember for a massage session are as follows:

Choose a quiet time when you and your child can relax. After an evening bath is often an ideal time when the child is clean, comfortable and winding down for sleep.
Use an unscented vegetable-based oil such as sweet almond oil, grapeseed oil or coconut oil. Do not use commercial ‘Baby oil’ as this is a mineral oil and clogs pores.
Ensure the room is a warm temperature and your baby or child is well covered and comfortable.
Uncover one body part at a time, rub a little oil in your hands and then onto their the skin, softly stroking and gently kneading the entire area.
You can use your fingers, thumbs and palms to glide across the muscles yet be mindful of your pressure and aim to be soft and rhythmic in your movements. Watch your young baby carefully for any signs of discomfort and ask older children to give you verbal feedback on the pressure and speed.
Keep the main pressure flow of the massage in the direction of the heart.
Never work directly on the spine or on any recent injures or operations.
Enjoy it and make it fun!

Massaging your baby or child is a great gift that they will enjoy and prepares them for greater body awareness and health in later life. Hardworking parents should also ensure they receive regular massage sessions with their partner or a qualified therapist in order to stay healthy and balanced.

For more great articles on healthy pregnancy, natural birth and eco-parenting visit http://www.childofnatureblog.com

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