Financial Education for Children – Teaching Money Management Skills

Isn’t it an irony that we teach our children to read and write but disregard the importance of a financial education for them? Isn’t imparting and teaching money management skills and knowledge to our children just as important for them to be ready to face the reality of the real world we live in?

Due to the ease of obtaining credit cards these days, there are now more reports of youths in their twenties and early thirties in position of debts than ever before. It is due to such a scenario that it is imperative that children of today are taught to be financially literate with the right money management skills.

The following steps could be taken to educate your children on basic money management:-

Start off by setting up a savings account for them. Give them an allowance, an amount slightly more than their daily estimated expenditure so that they put into their piggy bank that little extra daily. Explain to them that they should put aside say perhaps 10 to 20% of the allowance given. Set them a target to open an account in the nearby bank and later a target monthly savings. Even if that little amount is just ten cent per day, you will be surprise how quickly their savings will grow. The children themselves will be pleasantly surprised. Reward them if they meet their monthly target. This way, good saving habits can be inculcated into them early in life.
Introduce them to the Monopoly and other cash flow games that are available in the market. These games are a good way to educate them on the basic principles of budgeting and the understanding of incomes and expenditures for purchases.
Encourage them to take up part time jobs during their school break to earn some income and extra pocket money.

There are many books written to guide and assist you on a financial education for your children but since this subject is not a syllabus in the most school curriculum, it will be up to you to take the necessary initiatives in teaching the necessary money management skills to them to pave the way for them to gain financial independence early in life.

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Leadership Education For Children Now

Leadership education instructs children how to think and prepares them to be leaders in all areas of life: at home, in the community, in business, and in government.

I’m guessing this is the type of education you would like for your child. I want my children to be able to think outside the box.

Throughout history, the greatest thinkers and leaders have been taught using a mentors and tutors in their homes.

As their education progresses, they would move on to prep schools and study the classics continuing a mentor approach.

Ultimately, it is the mentor system that develops leaders. Sadly, the leaders that we usually think of in America are trained to be professionals and specialists, not true leaders.

The majority of our nation is made up of followers who don’t seem to have any problems with the current system. If the next generation is going to overcome this problem, we must teach them how to be the leaders that will make a difference in our world.

Leadership education consists of very important key elements: time, mentors, and classics.

Time. Students need time to learn. It is important to have some kind of structure for your child to learn, such as 5 days a week for 5 hours a day for older students.

This will allow enough time for your child to read and study. Younger students will not need so much time.

Mentors and Classics. We won’t separate these two factors of leadership education because learning how to think well is attained through discussion of the classics.

It is essential for the mentor to read the classic that the student is reading. Both student and teacher should keep a reading journal by writing about key ideas.

You can start the day off with a math lesson for the first hour, and writing or discussion with a mentor during the last hour. The time in between can be used for free reading, studying, and experimenting.

For centuries, this type of learning has been the means for acquiring knowledge and skills needed for leaders.

Leadership education encourages you to find a mentor your children can read the classics with. Most of us can probably say that we are familiar with history and literature classics, but there are classics that pertain to all subjects.

There are even classics in science, such as Newton’s Principia Mathematics. I wouldn’t suggest starting out with this, but when the time comes to read a mathematic classic, try it out.

Leadership education will teach your child how to think well. If you plan on being your child’s mentor, you must make sure that you are a great learner and thinker.

Online Education For Children: Free Versus Paid Membership Sites

Education is gradually tilting today from the classical classroom as we knew it, towards a virtual context thanks to the internet. This trend comes with challenges which raise the following concerns:

1) How well prepared and credible are the contents published by personally owned websites online?

2) How can educators deal with irrelevant and immoral content on learning websites displayed through affiliate marketing and advertising networks; that tend to sway away users from their initial track?

3) Are paid membership sites a better option for educators who need to be sure of the quality of material they use and children who need to be protected against viewing obscene content?

Generally, most people feel that free things are expensive in the end on the one hand and other hand people fear falling victim to internet scams under cover of paid membership websites which end up still being poor in content. Some even end up being completely void of content. It is therefore up to educators to carefully examine and select the content they intend to use, be they on free or paid membership sites.This is not in a bid to discredit material coming from such free websites but it is more of a hinting note for those regularly using them. It is also a hint for parents and home-school tutors who let their kids wonder into dark corners of the internet without guidance. It is very obvious that children will be carried away by flashy adverts displayed through advertising affiliate programs and published through some of such sites; and these most often interfere with the site content. This can be detrimental especially to children who are left on their own to study, play games online or to search for educational materials.

Webmasters who create learning material for children are gradually becoming aware of the implication poorly presented or obscene content could have on their reputation and website ranking online. But with the dilemma of relying on advertising through their websites as the only source of income, it is hard for them to fully control user behavior on their sites. This continues to resonate the fact that paid membership sites remain a better option for children who undertake self-study on the web. They are also better for teachers of pupils who may not have time to cross check the quality of their materials before use. Their advantage lies in the fact that users have the possibility of contacting webmasters and laying complaints in case they find difficulties using site contents appropriately. The decision about using free or paid learning materials online for kids can be made more beneficial by instructors if prior assessments are always done.

Benefits of Music Education For Children

Do you ever wonder what advantages are achieved through learning music? Read on to discover the many benefits of music education.


Learning music is hard work, but also very rewarding, which can lead to a genuine increase in self-esteem. This can happen when a student masters the many steps along the way to becoming proficient, as well as when they have a successful recital or concert.

Increased Memory

One of the many benefits of music education is that it is a great workout for increasing memory as the student learns to recognize the different notes.

Self Expression

Music can be a creative outlet for self expression. This may take the form of learning music that mimics experienced emotions. Or it may be expressed in creating music and lyrics, which can then be presented to family and friends.

Bringing People Together

Music can be a great catalyst for uniting people in a common experience, where friends can be made, and a sense of belonging can be available.

Increased Academic Performance

When talking about the benefits of music education it is often well believed that learning music can boost academic achievement. Although the exact mechanics of this is often not understood, the belief is that learning music stimulates parts of the brain that then have a carry-over impact on all academic areas. It also provides structure and focus which may benefit other areas of learning.


Learning to work well with others is one of those things that when present is often overlooked, but when absent is often painfully obvious. Performing music requires the skills associated with teamwork that are valuable throughout life. In order to play an instrument successfully students need to be tuned in to what those around them are doing so that the various instruments form a cohesive unit.

Structure, Organization, and Discipline

When talking about the benefits of music education it is important to acknowledge the value that can be found in the structure, organization, and discipline that it offers. Structure and organization are important skills to be learned. They can carry a child forward in many areas of life, not just music education. When talking about discipline here we are discussing the discipline it takes for the child to set aside time each week to practice. Learning to discipline themselves can eliminate procrastination, and like structure and organization, can be valuable in all areas of life.


Enjoyment may not be the top priority for many when considering the benefits of music education, but can be a great asset to consider. If playing an instrument is considered enjoyable it may take time away from less desirable things, such as watching television or playing video games. In addition to this, any activity that is enjoyable can be a great stress reliever, which may be especially important for our kids right now since they are living in a world of ever increasing stress.

Is Music Education for Children Hard?

The benefits of music education for children are enormous and many parents are aware of this fact. And yet, statistics reveal that only 6 percent of all children really take up an instrument to play. Why is it so? Why don’t parents want their kids to develop this wonderful art?

The answer is obvious – many parents seem to think that music education for children is too complex and difficult. Maybe, these parents are totally unaware of how musical notations are taught. Or secondly, it could be that during their own childhood they had bad experiences in music education. Perhaps they were forced by their parents to practice for hours upon hours against their will.

Actually, there can be various reasons why parents are unwilling to provide music education for children. The number one reason is that they fear that their investment will go to waste, as they have heard that many students drop out after just one-and-half to two years of education. It’s true that as soon as the training gets a bit tougher, many students quit because of laziness in coping up.

But let me assure you that the complexity of the syllabus is not the real culprit here. There are several reasons why kids find it hard to cope up. A major one is – wrong choice of instrument. I’ve often seen that parents decide which instrument their child should play.

A long-time friend of mine once said to me that she was always interested in learning the piano, but her parents insisted on a violin for her. The poor girl developed severe pain in her hands because she had to carry the heavy instrument not only during lessons and home practice, but also to and from school.

When I asked her whether she could remember the reason why her parents preferred violin over piano, she answered, “Of course! It was the cost factor. The price of the piano was $250 and tuition fee for piano lessons was $22.5 per month. The price of the violin was just $20 and the tuition fee was just $7.5 per month.”

This case happened more than forty years ago, but it is still very much relevant today. The cost factor drives parents to make their own choices of instrument instead of heeding to their child’s desire.

Right from the start of music education for children, the parents should pay close attention. They must know what to expect from the music school for their child. Most importantly, they should understand the criteria on which to select the teacher. Recommendations from friends and relatives may seem convenient, but they don’t always work.

If the teacher complains that your kid is getting lazy, understand that you didn’t select the right teacher. Kids can never become lazy and bored with music lessons if they get constant inspiration from teachers and parents. No inspiration means – no interest. And no interest means – the end of studies.

Benefits Of Using Mobile Apps In Early Education For Children

The real advantage of using mobile apps is that they help in connecting people without much hassle. You might wonder about how something so advanced as a mobile app can help in early education for children. It’s true that kids of this generation are nowhere like us when we were of that age. However, a Smartphone itself is just too much for someone of such a tender age – leave aside using an advanced mobile app. So how can these two completely bipolar things come together to create something effective and fruitful?

Before we go ahead with the discussion, let me ask you: what do you think mobile apps do? Are they beneficial only for reserving a seat in a restaurant and catching the trending celebrity gossips, or do they actually have something seriously constructive to offer? Not all apps get designed for providing entertainment; there are also some which (if used effectively) can do a great deal of good. Let’s take a weather forecast app, for instance. Once you use the app to check the weather forecast in the morning, you can plan and schedule your work for the later hours. Similarly, there are many educational apps which are getting regularly used in schools and colleges.

Let’s come to the apps that get specially designed for kids who haven’t yet started going to schools. The use of these apps in sync with the traditional mediums of early education might turn out as an important paving stones for pre-schoolers. This is the time of mental growth for kids aged between 3 to 6, and these apps can come in handy to a great extent. Let’s have a look at how apps are beneficial in early education:

#1. Learning Is Fun

These apps successfully testify the concept: “learning is fun”. These are specially designed for kids, and therefore, put extra emphasis on maximizing engagement. In this way, kids will keep on learning without even realizing it. These apps are full of entertainment, and they also strengthen the knowledge base.

#2. Portability

Apps are portable because mobile devices are portable. And this is one of the major reasons why there is a huge surge in its popularity. Are you waiting in the airport lounge for a flight with your kid? Hand him over your Smartphone and let him enjoy. He can sit down and practice a little math or science. In short, an educational app is no less than a portable classroom.

#3. Apps Are Interactive

We all love to learn new things once there is a proper interaction. Have you ever wondered why online games are so popular? It is because of the achievements that get unlocked with each level passed. This makes gamers want to know what’s more they can get in the next level, and thus, they get addicted. Similarly, most of the educational apps offer virtual rewards once a level gets completed. And kids love to get rewards, don’t they?

#4. Tracking The Progress

There are some educational apps which allow the user get updates and feedbacks about the progress of his kid. These are like assessment reports we used to get in school. And with the report, you can easily check how the app is helping your kid to improve his skills.


There are many educational apps out there in the market. Make a search in Google to know which are the most popular and high-rated apps. Once you’ve found what you are looking for, download them on your Smartphone via the app stores.

Computer Education For Kids

Computers have become a common and needed part of life in today’s society, making computer education imperative for children. Young children will typically begin to show an interest in the home PC by their toddler years. While it is may be a good idea to begin introducing your toddler to the computer in very short sessions, most children can began to learn and understand a computer’s functionality by preschool age.

Preschool age children can learn to turn the computer on by themselves and will quickly learn to operate the mouse. Simple games that teach and reinforce basic school readiness skills are great for this age. Computer education for preschool age children should be limited to short sessions of about 30 minutes a few times a week.

Many childcare facilities offer computer time as part of their weekly curriculum for preschoolers. Structured games and activities give young children an opportunity to explore the way a computer works. Games that require dragging objects across the screen are excellent for building mouse skills in beginner users. Chose age-appropriate software and websites that involve alphabet and color recognition, shapes, counting, or short stories that are read aloud. Activities that feature music are also enjoyable for a preschooler’s computer time.

Kindergartners are normally still exploring the basics of computer use and will probably do best with activities that reinforce simple skills. As children become more comfortable with the computer, more complex games and activities can be introduced. Computer education for kindergartners typically consists of short sessions of no more than an hour, playing games that correlate with their classroom learning material.

By first grade, children have usually gained a good understanding of how to use a mouse and they are learning to use keyboard letters to type. Games like Typing Instructor for Kids can help young children become fast and efficient computer users. Early elementary age children are ready to move beyond simple reinforcement and skill drill activities to the many different functions of a computer.

First through third graders should use the computer as a supplement for their classroom work. A student studying about stars and planets can use the internet to search for pictures and information about constellations. An assignment about Africa can include a search for videos of African animals. Allow your child to work on his own, but stay close by to prevent access to inappropriate content and to answer any questions.

Software programs that allow children to create, like an art or publishing suite designed specifically for kids, can boost creativity along with providing exposure to technology. Grade level skills can also be practiced and enhanced with math, reading, and spelling computer games. There are a number of kid-friendly websites that provide search engines, games, and interaction opportunities.

Computer education for children should also include writing and creative writing activities. First graders are beginning to familiarize themselves with the keyboard and can write short letters or emails. By second and third grade, children can use word processor programs or writing software designed for children to write and publish their own short stories and poems, as well as use email to write to relatives.

How Is Healthcare for Children Handled After Divorce?

One very important, yet often overlooked, aspect of the outcome of a divorce is providing healthcare to children. Who’s responsible for the cost, and how is this determined? How do healthcare expenses get weighed among other expenses? Here, we’ll take a broad look at the issue of a child’s healthcare post-divorce.

The most general and common rule of thumb in this matter is that the parent who claims the child or children on their tax return as dependents, is the parent who is responsible for obtaining and paying for healthcare insurance. Keep in mind that the parent claiming the child as a dependent is not always the custodial parent, so that’s another issue to consider on its own.

Whether both parents have a full-time employer, and have health-insurance through that employer, also factors in. If only one parent has health insurance from his or her employer, it will in all likelihood be that parent who provides healthcare insurance to the child. If both parents have health insurance policies from their employers, then a primary and secondary policy can be dictated.

Beyond that, there are also additional and related costs to take into account outside of the actual insurance premiums. Consider the costs of co-pays, deductibles, medication, non-covered expenses, and all the rest that factors into a child’s actual health and wellbeing. These expenses may be hashed out as part of the divorce settlement itself.

Another factor to consider is that the cost of healthcare may in some instances be factored in to a Court’s alimony award. Additionally, healthcare expenses for a child will be factored into the Court’s determination of child support pursuant to the state’s specific guidelines. So whether one of the parents is obligated to pay healthcare expenses for the other, as well as the child, and whether those are classified as child support, alimony, or separate matters, are all factors to consider.

Finally, keep in mind that different states may have different requirements or legislation in place which specifically dictate or mandate how healthcare for children after divorce should be handled. Further, the entire healthcare realm in the United States is always ebbing and flowing, and there could be more changes on the horizon, too.

That’s why it’s always important to consult with an experienced and qualified professional in your local area before taking action. He or she will be able to advise you on potential courses of action and what the best decision will be, not only for the parents, but for the children themselves.

When you’re ready to find a new divorce attorney in Maryland, visit the Law Offices of Brandon Bernstein, LLC, at Mr. Bernstein is a 4-time Super Lawyers Rising Stars award winner in Maryland, and his firm is ready to help you as your Maryland family law attorney.

This article does not represent legal advice or an attorney-client relationship. Always consult with an attorney before making any legal or financial decisions.

How To Write For Children

How To Write a Children’s Book

Most of us have a fond memory of being young and snuggling up with an amazing book for bedtime. Children’s books manage to transport the already vivid imaginations of children and take them elsewhere. We all have that favourite book from our childhood that brings a wave of nostalgia at one glimpse of the cover.

Imagine writing a book that would be held so dearly by a person from their childhood into adulthood, it’s quite the privilege and honour, and one that many people seek to do.

A lot of people would assume that writing a children’s book would be pretty easy, after all it’s only for children, how hard could it be?
The short answer is pretty hard. But that doesn’t mean you cannot do it. With a bit of research, a lot of passion and creativity, you can knot together your own world of characters with the hopes of sharing them with a younger generation.

Here are some basic tips to follow when trying to write a children’s book.

Target an Age Group
Children can be a broad term. Young toddlers can enjoy a good read along with their parents or as try their hand at improving their reading skills with a book, which would be rightfully considered a children’s book.

The Harry Potter series is also a children’s book, yet is targeted a young teenagers. Even non-fiction books for school or educational purposes are considered children’s books, so there’s a pretty big target audience.

Know what who you want to write for. Is it a short snappy picture book with minimal writing for very young children? Or is it a fantasy novel with chapters that can be read from ages 10 and older? It could even be a late teen demographic with more mature content – the options are endless.

Plan and do Your Research
You will need and idea or a stimulus to get your creative ball rolling. The best way to come up with ideas is to seek inspiration from other sources. Or children’s books, this means reading as much children’s books as possible. Try to aim for works that target the same age demographic as you plan on writing for, this will help generate ideas in line with your planned work.

The themes that are woven into your story will need to be appropriate for the age group too, so plan this out as well. A main plot will also need to follow these guidelines; otherwise your book will not have a true audience.

What Type of Book Will it Be?
Is thing going to be a children’s book that is mainly made up of colourful and vibrant illustrations? If so where do you plan on getting illustrations? You may have to hire one or can attempt it yourself, but that is a lot easier said than done. Finding a publisher will usually mean these problems are taken care of, but if you aim on an independent release, you will have to source an artist on your own.

Establish the Essential Components of a Book
A story must feature a core component of elements to create a story, no matter the age of the readers. You will need characters, such as a protagonists and supporting cast. The setting of the story is pivotal; it needs to be interesting enough to capture the imaginations of your readers.

Some sort of conflict and resolution will be needed to, as well as a main plot to drive everything along with. Once you have ideas for this, you can then check to see if it is suitable for the age group your children’s book is going to be geared towards.

Have a Message
Most children’s books that are works of fiction contain a strong and sometimes obvious message. You want to teach your readers something through the plot and characters of your story. These are always very positive messages which shouldn’t be too subtle due to the young age of the readers (especially for younger children).

Older children may be able to understand and appreciate a more mature message. Knowing who you plan on writing for and what the components of your story are should help with this. Try not to force a message onto your readers though, as it may be viewed as too much for kids.

Draft and Revise
Write your first draft just to get a rough idea of how your book can take shape. Here you can better understand the best course to take for your story once the words are on paper. It doesn’t matter how great or terrible it may be, as you will be re-writing and revision much of your initial drafts, so get comfortable with the fact you will be changing a lot of your work. It will only make it better!

Always keep in mind your audience when writing. From vocabulary to the structure of sentences and paragraphs, the better you understand your audience, the more the work will appeal to them.

Publishing pro and author/filmmaker Barry Sheppard has written and published many books with hundreds of reviews in newspapers, TV and radio. He is now concentrating on eBook writing/publishing and working on property development

A Complete Guide to Baby Bath Tubs

Basketball remains one of the most revered games played today. The jerseys sported by players on court actually assume a very significant shape in the lives of the NBA fans, who sport pro-cut uniforms of their favorite teams in a bid to show their love for the same. A typical basketball uniform consists of sleeveless upper halves, shorts, knee caps and head bands. There are a lot of factors considered before selecting basketball uniforms and today, we’re just going to take a look at what those factors are.


Yes! At the heart of the selection of these jerseys is comfort and there are so many things that needed to be taken care of in order to ensure comfort. The right fit and fabric are the two most important factors that need to be taken into account here. A tighter upper half might hinder mobility in a major way, while a fabric unable to absorb sweat is not really fit for humid conditions. So, a choice needs to be made in accordance.


A manufacturer selling the entire ensemble is more likely to be preferred by the buyers instead of those selling only the upper halves or the lower halves-firstly because, the former offer products within a more affordable price bracket and secondly because it is generally more convenient to get your needs fulfilled by only one manufacturer instead of hunting several suppliers at the same time. It’s a matter of double the research or double the groundwork. You have to conduct background research and price comparisons for every other product differently.

Team consensus

Team uniforms (irrespective of whether they’re sported by cricketers, soccer players, basketball players and so on) are generally selected after securing common consensus. The jersey designs and colors are only zeroed in on after all team members put forward their opinions regarding suitability. A team is known by its jersey. As basketball fans, we understand how important our favorite team jerseys are for us. Every other team is driven by different sensibilities as far as their passion, overall team outlook, and their approach towards their game are concerned. The team jersey thus selected serves to reflect different sensibilities in a major way. A team, for instance, which is new in the circuit and are known for their rawness might as well have the color red present dominantly in their team uniform or in patches.

You need to find a credentialed manufacturer in a bid to get your hands on quality stuff. Be sure enough to consult manufacturers that are actually known for providing custom team jerseys that are the right combination of affordability and quality. Plus, they should be able to deliver orders before within the desirable timeframe. The use of advanced machinery ensures that jerseys are crafted fast without compromising on the quality.

Seek recommendations from peers and browse through the plethora of online reviews in order to find out how different manufacturers have been rated and reviewed.

Hope this primer will help you in your quest for the right team uniform.

Formative Sports is a leading Basketball Uniforms Manufacturers and Wholesale Suppliers from Pakistan. You should contact us to get our wide collection of Sublimated Basketball Jersey at competitive

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