Author: lifehypnosis


Education-savings plans Coverdell vs. 529

October 30, 2020

Education and Study

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If you are a parent or a relative who is thinking of a great way to save college money for the children in your family, Education Savings Plans may be the right choice for you. There are many things to take into consideration if you’re thinking of participating in one of these. First, you have to choose which plan is right for your family based on your financial needs and goals. In addition, the age (under 18) of the beneficiary or of the student who will benefit from the plans is also critical. Because of these factors, the information presented here is mostly useful for parents or relatives of young children who are looking to save money for future college-related expenses.

The two Education-savings plans, Coverdell education savings account and 529 college savings plans, have some similarities. In both plans, the money that is contributed come from after-tax dollars. This means that the money that is contributed to these plans is subject to income tax before it gets to the account. However, the earnings and withdrawal from Education-savings plans are tax-free as long as the money is used in paying for college tuition, living, and other eligible expenses.

Because the two plans are different in many ways, here are a few things to consider:

Coverdell Education Savings Account

These are Education-savings plans that are sponsored by the federal government. There is an annual limit to the dollar amount contributed into these accounts. However, parents or relatives can set up several accounts at various financial institutions as long as their contribution does not go over the annual limit.

Coverdell savings accounts have its advantages in a sense that contributors/donors have the flexibility to choose which types of investments the money will go into. For example, you may invest in stocks, bonds, mutual funds, certificate of deposits etc. In this way, you can choose either an aggressive or conservative investment strategy which will depend on how much time you have to invest or how much risk you are willing to take.

529 College Savings Plans

These are Education-savings plans that are sponsored by the state government. Every American state currently offers 529 plans.

Like the Coverdell account, your contributions are not tax-deductible but your withdrawals and earnings are tax-free as long as you use the money for eligible educational expenses. There two types of 529 savings plans and they are savings/investment plans and prepaid tuition.

The savings/investment plan can be compared to a retirement account such as a 401K which is designed to pay for eligible college expenses. As with the Coverdell plan, parents can choose an investment strategy that fits their needs. Furthermore, parents usually don’t have to be a resident in a particular state to open these Education-savings plans. In this way, parents can search for better deals and will have several colleges to choose from.

Go the Distance with Online Distance Education Courses

October 30, 2020

Education Share

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Today the distance between the Southern tip of Australia and the Northern-most parts of Norway is no longer unbridgeable. The Internet has revolutionized the way the world communicates, does business, and even coordinates classes albeit in different parts of the world but all at the same time! Distance education by means of online learning is the latest tool by which both children and adults in the remotest village in Africa or Asia can hope to receive education.

For the side providing education, distance or online learning is not only cheap and convenient but also prevents wasting time on transport and other resources. And for the side of the receiving end, it is nothing short of a blessing. Education should be a universal birthright for those seeking it and those who deserve it. Online or distance learning systems have lent further impetus to that. The study materials in distance or online learning courses are usually fresh and the latest. Thankfully, one can say goodbye to centuries of old thoughts rusting in tattered books in libraries which are mostly inaccessible.

Additionally, online learning helps one get the latest resources and references on any subject. And of course there is no limit to browsing as the Internet is filled with infinite number of resources on any particular subject. Online distance learning also lets one take courses at ones own pace. Gone are the days when one had to sink into the back-benches feeling left out from whats being taught in class. Study at will, study at leisure its all made possible by online distance education.

Virtual classrooms help students interact directly with their teachers and other fellow students without having to move an inch from their sofas! So one can live in Sydney but study at Berlin all with the help of online distance learning courses! Although this system of education is absolutely useful, still one disadvantage of this system might be that it depends heavily on connectivity. Students in places with very low bandwidth can find it extremely annoying to wait while their page takes forever to load. But thanks to latest Internet technology these problems are on the verge of being ironed out.

Now with real-time technologies, students and teachers can send and receive immediate feedback on courses and exams. The 3G spectrum in Internet telephony has made live video chats possible in many countries. The rest of the world, too, will be able to avail of the advantage of live video interaction during online distance learning classrooms in another two to three years.

Why netbook computers considered the student laptop

October 29, 2020

Education Share

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The very first netbook computers were created by Asus in 2007 which was known by the name ASUS Eee PC. But the popularity of the netbook computers increased with its portable feature which helps you to carry it to any place you want easily.Some of the companies that are manufacturing this type of small portable computers are HP, Dell, Toshiba, Lenovo etc. The main reason behind the popularity of the netbook computers is that it help you to stay connected with internet at any place wherever you go and also the weight of the netbook computers are very lightweight and so you can easily carry them at any place you go throughout the day. Most of the people who have used the netbook computers consider it as a student’s notebook because of the following features of the netbook computers:
The screen size of the netbook computers varies within 10 to 12 inches which makes it the perfect computer for the student. Also another reason for which these portable computers are considered as the student’s computer is that the weight of this computer is only 2 to 3 pounds which make it very lightweight. You can easily fit this computer inside your bag or purse or backpack. Because of the size of this portable computer the student can carry it comfortably with them.
The netbook computers are very small in size and it is portable and compact too. This computer helps you to stay connected with your friends always.
The netbook computers are designed in such a way that it makes it very tough as well as sturdy. Even after few hard knocks it can function properly.
The battery life of the netbook computers is more than the ordinary notebook computer and thus the battery helps you to run your laptop for a considerable time period.
The portable computer comes with a RAM of 1 GB which makes the processing very fast. The operating system that is used in this type of computer is the Windows XP but in the latest netbook computers Windows 7 and Vista is used.
This type of portable computer has huge storage capability also. Most of this type of portable computer comes with a hard drive space of 30 GB to 60 GB till 160 GB which is sufficient for the students.
The price of netbook computers is also low as the price range ranges from $ 300 to $ 450. And with its growing demand the price of the portable computer is decreasing day by day.

Go the Distance with Online Distance Education Courses

October 29, 2020

Education and Study

Comments Off on Go the Distance with Online Distance Education Courses


Today the distance between the Southern tip of Australia and the Northern-most parts of Norway is no longer unbridgeable. The Internet has revolutionized the way the world communicates, does business, and even coordinates classes albeit in different parts of the world but all at the same time! Distance education by means of online learning is the latest tool by which both children and adults in the remotest village in Africa or Asia can hope to receive education.

For the side providing education, distance or online learning is not only cheap and convenient but also prevents wasting time on transport and other resources. And for the side of the receiving end, it is nothing short of a blessing. Education should be a universal birthright for those seeking it and those who deserve it. Online or distance learning systems have lent further impetus to that. The study materials in distance or online learning courses are usually fresh and the latest. Thankfully, one can say goodbye to centuries of old thoughts rusting in tattered books in libraries which are mostly inaccessible.

Additionally, online learning helps one get the latest resources and references on any subject. And of course there is no limit to browsing as the Internet is filled with infinite number of resources on any particular subject. Online distance learning also lets one take courses at ones own pace. Gone are the days when one had to sink into the back-benches feeling left out from whats being taught in class. Study at will, study at leisure its all made possible by online distance education.

Virtual classrooms help students interact directly with their teachers and other fellow students without having to move an inch from their sofas! So one can live in Sydney but study at Berlin all with the help of online distance learning courses! Although this system of education is absolutely useful, still one disadvantage of this system might be that it depends heavily on connectivity. Students in places with very low bandwidth can find it extremely annoying to wait while their page takes forever to load. But thanks to latest Internet technology these problems are on the verge of being ironed out.

Now with real-time technologies, students and teachers can send and receive immediate feedback on courses and exams. The 3G spectrum in Internet telephony has made live video chats possible in many countries. The rest of the world, too, will be able to avail of the advantage of live video interaction during online distance learning classrooms in another two to three years.

Distance Learning Correspondence Courses Versus Online Courses

October 28, 2020

Course and School

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For over two hundred years, distance learning has been a means of gaining education for those who, for whatever reason, elect to study from their home. Beginning with the first correspondence courses that were offered through advertisements in newspapers and magazines, and later also marketed on the backs of matchbook covers, through to the vast amount of distance learning opportunities currently offered by both universities and by independent schools, the chance to broaden ones knowledge without having to attend a physical school has offered academic independence to millions of students of all ages, across all areas of study.

Regardless of what the program is, and what sort of education it provides, whether it is a home school for children in middle school, a specialized upgrade class for someone in a trade or a masters program, distance learning can be broken into two mostly separate, but sometimes overlapping categories: online courses and correspondence classes.

Correspondence courses, which are the traditional method of providing distance education, make use of the postal system to distribute learning materials to the student. While there is usually a firm final date by which all activities and assignments must be completed and handed in, the actual course scheduling is left open, for the student to design according tot their needs. Correspondence courses may make use of materials that use technology, such as learning videos, and students nowadays typically use a computer for word processing and more often than not, for submitting their work via email as well, traditional correspondence courses do not rely upon technology for distribution or actual work completion or submission. Student study and work independently, even though there are likely to be many other students studying the same program. Group assignments and classes are not part of this type of distance learning, as a rule.

Conversely, online courses have a tendency to be presented to a group of students at one time, in a virtual classroom model. Through the use of computer technology, online live real-time virtual classrooms present the material and lessons to students in a group, and forums and programs are in place to all discourse and discussion between students, who can and are encouraged to work together. As classes are not independent, the schedule is far tighter than that found in correspondence classes, which keeps the group learning and advancing together.

Child Care Cribs Checklist for Child Care Centers

October 28, 2020

Parents and Kids

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As a child care center owner or manager, part of your job is to reassure parents that their children are safe in your care. One component of this is making sure that your child care cribs are safe for children to use. Follow this checklist when you inspect your child care cribs.

1.Crib slat width: The space between crib slats must be no greater than 2 3/8 inches apart. This prevents infants from getting their head stuck between the slats.

2.Crib slat integrity: To avoid injury, ensure that there are no slats are missing, loose or cracked.

3.Mattress quality: Child care cribs must have mattresses that fit snugly within the crib. No more than two finger-widths should remain between the edge of the mattress and the crib side. In addition, mattress support should be securely attached to the headboard and footboard.

4.Crib top rails: The top rails of crib sides, in their raised position, should be at least 26 inches above the top of the mattress support at its lowest position.

5.Hardware: Check your child care cribs to make sure that there arent any missing, loose, broken, or improperly installed screws, brackets or other hardware on the crib or mattress support.

6.Headboard and footboard: No cutouts should be in the headboard or footboard to ensure a babys head cant get trapped.

7.Corner posts: Corner posts of your child care cribs should be no higher than 1/16 inch so that a babys clothes cant catch.

8.Remove all toys: When the child is sleeping, make sure to remove all crib toys, which includes any mobiles that the baby could grab.

9.Crib placement: Do not place the crib next to a window, or close to curtains and drapery cords. In addition, dont place the crib next to furniture that could help the child crawl or climb out of the crib.

In addition to this checklist, make sure that your crib is assembled correctly and that screws and bolts are always tight. The safe assembly and upkeep of your child care cribs can ensure that children at your child care center are always safe. In addition, safe cribs can help keep your child care center in business.

Two ways to get – Sports Scholarships

October 28, 2020

Education Share

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The sports or athletic scholarships are usually awarded to the high school sports students who explore their skills in sports activities like football, soccer, baseball, wrestling etc., . The scholarships are generally awarded in two ways.

1. Full scholarships

2. Partial scholarships

Full scholarships

The full scholarships usually cover the entire fees like books, room, transportation and food and so on.

Partial Scholarships

This partial scholarship doesn’t cover entire fees but it covers some parts of your fees. This partial scholarships includes with food and book fee or part of tuition fee.

Sports scholarships are most expensive one which is awarded under huge competition in most of the high schools. You may be the great athlete in your school, but few requirements are additionally need to get these sports scholarships. In that the test scores and academic grades are most considering one. In order to get this athlete/sports scholarships the student must have GPA (Grade Point Average) of 2.5- 2.7, and the ACT (American College Test) score should be at least 17. These are all the standards that required in getting the scholarships. This requirement can be easily achieved only when, you have proper plane with bit of preparation from the early year. Therefore you need to concentrate both academic as well as sports to get listed in full scholarship list.

Two ways to get sports scholarships:-

If you would like to get sports scholarships, than there are two options which helps in obtaining scholarships.

i) The first and easiest way. For this way you need not spend any time in searching for the coach or a scholarship provider. The recruiter directly approaches you after tracking your performance. They usually track your talent in sports; if your performance fulfills their needs then they take you in to their sports teams in that case the full scholarships are awarded.

ii) The next way to get scholarships is the difficult, but it is also the possible way to get scholarships. To obtain the sports/ athletic scholarships you need to look for the college which you think that welcome’s talented sports students. You should have the portfolio of your records/ achievements in sports, coach’s recommendations with academic grades. If your portfolio satisfies their needs than you might get chance to award the scholarships and make sure that, you can only get the partial scholarships unless, until you prove yourself in sports.

Are you looking for the athlete scholarships? Athletes- zones is the best online tool help you in getting the athlete scholarships. This website allows you to create the profile with your sports records where you can get touch with the college coaches. Visit to know more information about scholarships.

Decorating Ideas For Kids Rooms

October 28, 2020

Parents and Kids

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Kids room decorating are an opportunity waiting to come to life! No where else can you mix and match a variety of paint schemes along with creative stencils, stickers, sparkles and get away with it. Best of all, your kids can be involved in transforming their room into their own accomplishments while redecorating at the same time.

Some creative ideas on decorating kids bedrooms:

Furniture – Make a whole play area from an ordinary bookcase. Choose bright colors that match your child style and add features such as cutout doors for a doll house or castle effect. Add texture materials to one or two compartments that create a window or door like feature. When your child has out-grown the design, you can easily remove the materials and doors and replace them with the original materials that you saved. Other ideas can be used with Lego or large building blocks to create more designs to match your childs age.

Walls – Turn your kids walls in a big canvas. Paint is the perfect solution and least expensive way to create a kaleidoscope impact while offering unlimited color options. Just changing one wall or adding stripes, borders, sponge or stamping techniques can bring new life to an ordinary room. Use wavy or splat design patterns, or turn one wall into a mural effect. Choose a bright base and pick accent colors to achieve the best effects.

Ceiling – Create a magical night sky on your childs ceiling with glow in the dark decorations. These can be fun and even comforting for your child to be able to lie in bed and gaze up at the night stars

Doors – Use wooden letters that spell your childs name and glue them on the door. Painting them in the theme color of your child room will dress up the door nicely. Closet door hardware can be replaced with wiggly handles or their favorite cartoon character. By matching the door hardware with wall plates you can carry the pattern through out the room that accents their style.

Shelves – Using shelving materials can be the least expensive way to pick up the clutter and organize a room. Painting with the same colors or add design features with stencil or stamping can quickly dress up any room. Different shelve designs can also be used to border a window that eliminate the need for expensive window treatments.

Accessories – Large cork boards can quickly turn a bare wall into a busy space. Cork boards also eliminate holes in walls from nails or tacks that later need to be repaired. Wooden picture frames can be painted to help accent the room. Fans blades can be reversed and painted with designs to add cool effects when in use and then can be reversed when it comes time to re-decorate.

Decorating your kids bedroom is a great way to give them a place they can call their own and you may just find your kid spending more time in there!

Comparing The Best Child Trust Fund (CTF)

October 28, 2020

Parents and Kids

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The Government announced earlier this month that the number of children with a Child Trust Fund has reached over 3 million. However, The Economic Secretary to the Treasury, Kitty Ussher, also highlighted that only three-quarters of parents have actively opened their Child Trust Fund accounts.

This means that for the seven-hundred and fifty-thousand children whose parents did not open the Child Trust Fund themselves, the opportunity to gain one year’s worth of interest is lost. In fact, the accumulated loss of interest for all those Funds that have not been opened amounts to an estimated 15 million!

The Child Trust Fund is a long-term savings and investment plan set up by the Government to encourage parents to save for their children’s future. The Child Trust Fund is available to all children born on or after 1 September 2002 . Children will receive an initial 250 in vouchers to open their Child Trust Fund accounts, with a further 250 when they reach seven years of age. In addition to this money, parents, family and friends can contribute up to 1,200 each year into the Fund.

Although opening a Child Trust Fund is relatively straightforward, choosing one can be more difficult. With three types of accounts (cash, stakeholder or shares) available from numerous banks and building societies each with their own offers, terms and conditions and rates, finding the right Child Trust Fund for their children leaves many parents confused. Recent research from The Actuarial Profession has shown that most parents are simply overwhelmed by the huge amount of information they receive. Often, the just need concise information which simplifies and compares the various accounts available.

Currently, there are several websites that compare only Cash Child Trust Funds, but only MyEggNest.com leads the way by providing a comparison table of all three types of Child Trust Funds: Cash, Stakeholders and Equity (or Shares) Child Trust Funds.

MyEggNest.com has an all-inclusive, easy to understand comparisons of all Child Trust Funds provides parents the tools they need to make informed decisions about the best ways to compare Child Trust Funds available or to see how their children’s current Child Trust Fund compares to others on the market.

Joe Luong, Marketing Director for MyEggNest.com said, “Our feedback has shown that many parents are overwhelmed by the multitude of leaflets and fliers from financial bodies available regarding Child Trust Funds. Some even believe it is too much that they don’t even know where to start.”

“What parents of newborns need is clear and concise information explained in simple English on how best to compare their children’s Child Trust Fund. With MyEggNest.com, new parents are able to research everything they want to know about the Child Trust Fund from one reliable source. On one site, they can seek guidance from other parents in the form of a Child Trust Fund discussion forum, look at product reviews and learn how best to compare Child Trust Funds.”

The need for Child support attorneys in Tustin.

October 27, 2020

Parents and Kids

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Without proper guidance one may get a criminal record if one does not comply with their orders. Many of the experienced divorce lawyers are found costly but not all of them are and many of them are available at affordable rates for a divorce. Child support attorneys in Tustin are very reliable lawyers who are good companions during this tough situation one faces. >

Child support is different in different states. For the financial benefit of the child parent makes the payment. This is payed to the guardian of the child for the care as well as support needed by the child. The guardian may be non custodial parent. It is a part of marital separation, annulment, divorce, marriage dissolution. The custodial parent who has a higher income pays. The parents are very much responsible for the needs of the child. Child support is mostly payed by the father. Child support is used to pay for the childs clothing, housing, food, childcare, education, health insurance, activities, lessons, medical care. Child support orders also set the amount as well as the date for payment. Child support stops when the child is 18 but in some cases if the child is challenged then the child support continues. The best interest is given to the children by the courts especially during decision making for child custody. Finding a trustworthy and experienced attorney during this period is very important as this is a very big decision. An attorneys consultation is very important for the acceptance of the case by the court.

Child support attorneys in Tustin lawyers are very experienced and they will be able to guide the entire family through the process. They make sure to arrange for the family as well as the children post divorce counseling. Lawyers have no control over the waiting period as this depends usually on the law and type of case. People should make sure that the lawyers they opt for is licensed and who does not charge any hidden costs. If the case is not represented by a lawyer then it will be delayed. If the divorce includes major children then the court takes their preferences into account. They make the divorce period very smooth for both their clients. They also let their clients know about the proceedings and also give them all the information of their rights. The lawyers job is to give all the information and explanation of the divorce procedure that one requires. The lawyer guides and represents their clients to negotiate and get their best interest.

The Author is a professional writer, presently writing for Tustin divorce attorneys