Is My Child Using Drugs Or Alcohol Parenting Advice

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One of the most frightening experience parents can face is the discovery of drug and alcohol use by their child. This can happen to even the very best parents out there. Drug and alcohol abuse are serious issues which require immediate intervention. Early detection can ensure a less complicated recovery process. Prolonged drug or alcohol use can lead to disruptive or even antisocial behaviors, criminal activity, and the abuse of more dangerous drugs.

There can be many reasons for children turning to drugs or alcohol. Peer pressure can certainly be influential; but usually there are underlying reasons which made the child susceptible to the peer pressure and willing to try drug or alcohol consumption in the first place. Children who are victims of bullying by peers, or who suffer from shyness may seek out drugs or alcohol as a refuge. The use of drugs and alcohol may also make him or her feel more accepted socially.

Identifying the problem is the first step in getting help for your child in a drug addiction treatment program. The most common outward signs of drug or alcohol use are:

Mood swings Pre-teens and teens experience a lot of mood swings as their bodies develop; but if your child moves quickly from very happy feelings to great anger, theres a good reason to investigate further. Expressed paranoid feelings may also raise a red flag.

New friends The arrival of new friends without an association to your childs current circle can be a warning sign. This can be especially true if you should also notice a change in your childs behavior.

Trouble at school If your childs grades have worsened, or there are sudden patterns of behavior problems, truancy or lateness, he or she may be using.

Major personality changes If your child becomes withdrawn, secretive, combative, listless, forgetful, or lethargic, he or she may be using.

Changes in eating habits A general loss of interest in eating, or increased interest may be equally notable. Look for sudden weight loss or gain.

Changes in sleeping habits or schedule major increases in sleep time or insomnia can be signs of alcohol or drug abuse.

Unusual appearance Red or bloodshot eyes, appearing hung over or listless may indicate substance abuse.

Once your child is in a drug addiction treatment program, the underlying issues can be addressed to prevent a return to bad habits. Behavioral counseling will help your child identify the causes of their self-destructive behavior, and to learn to deal with them in a healthier way. As much love, understanding, and acceptance as you can give will be needed to help in the healing process.

Asthma Rates Decrease Among Children Due to Reduced Number of Smokers

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Currently fewer Canadian children are being diagnosed with asthma, due to reduced number of smokers and consequently because of reduced exposure to second hand smoke, according to statistics.

In more than a decade rates of the chronic inflammatory disease dropped to substantially reduced levels among children aged two to seven.

“A variety of environmental factors, as for example reduced exposure to cigarette smoke contributed significantly to these statistics,” the study declares.

Canada’s national statistical agency (Statscan) showed that 9.8% of children aged two to seven were diagnosed with asthma in 2008-09, significantly lower than 13.2 % in 2000-01.
This drop occurred mainly because fewer Canadian children live in families where adults smoke, according to study.

About 6% of children aged 11 and under were regularly exposed to second hand smoke at their homes in 2008, if compared with 24% in 2000. As about teenagers 13% aged 15 and older smoked regularly in 2008, dropping from 19% in 2000.

In present a few parents smoke because there were no statistically proved differences in asthma rates between children in smoking and non-smoking families between 2006-07 and 2008-09.

“This data shows that adult smoking rates dropped significantly, thus parental smoking is not seen as the leading cause of asthma in young children,” declared the representative of Statscan.

This link between reduced smoking and fewer cases of asthma are not unique only for Canada. For example, after Scotland prohibited smoking in public places, serious cases of asthma fell among preschool and school-aged children.

For instance researches from western countries discovered that asthma rates among children rose steadily for several decades before decreasing.

Statscan declared that reduced disease rates might also be due to changes in the population structure, changes in diagnostic methods, decline in the predominance of respiratory allergies, advances in air quality and changes in hygiene practices.

As well as asthma, ear infections are related to exposure to second hand smoke.

Canadas national statistical agency found out that asthma predominance decreased in the Atlantic Provinces, Ontario and Quebec, but remained quite stable in the West. This survey also discovered that the number of children who had had an asthma attack in the past 12 months dropped to 36 % in 2008-09 from 53 % in 1994-95.

The give study is based on data presented by the National Longitudinal Survey of Children and Youth, a long-term study that capture information from thousands of families. The survey has been led every two years since 1994-95.

A Slightly Sweet ‘N Crunchy Baby Carrots Recipe

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Here’s a slightly sweet, easy baby carrots recipe that will serve 4 to 6 as a side dish.

Like a lot of people, I really enjoy eating baby carrots. I enjoy them raw for a quick snack or to go with a sandwich at lunchtime. Whenever I happen to be am rounding up ingredients for chicken dumpling, turkey noodle, beef and noodle, or vegetable soup, I merely put them in the cooking pot without chopping them up. Their tiny size makes sure that I don’t have to work over slicing them up for soups but still they can be thick enough for being simmered for a long time in the pot without shredding. Down below is a recipe for baby carrots as the side dish.

Ingredients:

1 lb . or 16 oz . of peeled, raw baby carrots (if you work with homegrown carrots from the garden, you will need eight or ten carrots in this recipe)

3 tbsps white sugar

1 tbsp . unsalted butter

Pinch of salt

Water to cover

Put the carrots, sugar, butter and salt inside a medium size pot and put water until it merely barely covers the tops of carrots. Bring water to a boil and then reduce heat to medium. Let the water to evaporate as your carrots boil and be careful to pour in a bit of water when necessary to help keep the carrots from getting stuck to the pot. Once in a while stir the carrots to guarantee thorough cooking. Carry on and cook the carrots at a gentle boil for eight to ten min or until all the baby carrots soft when stuck with a fork. Drain all of the water and serve either cold or hot.

It is possible to adjust this baby carrots recipe to your own preferences by using less sugar or salt. Should you prefer a sweeter carrot recipe, add another tablespoon of white sugar. Be sure to adjust the sugar to water proportions to make certain there is more than enough water to dissolve the additional sugar.

If excessive sugar is added to the carrots and the water inside the boiling pot isn’t increased, then the carrots could risk becoming sticky sweet and there is a risk for the sugar to burn in the pan. Savor every bite of this baby carrots recipe!

Salivating for more Southern cooking and recipes? Then try this butter beans recipe to compliment the baby carrots.

What Are The Best Ways To Get Pregnant

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Now that you have taken the decision to conceive, the next step that follows is in fact the
most enjoyable one. Spice up your love life a little, while trying to make a beautiful baby with
your partner. The best ways to get pregnant are those that are most pleasant, and those
that you will look back at and reminisce, later in your life. Here are a few meaningful ideas to
contemplate, while you work out the best ways to get pregnant.

Staying in a calm and happy mental state is crucial to the process of conception. Ensure that
you have relaxed both your body and mind, that you can approach the idea with ease and enjoy
the process of making a baby. Going on a vacation from the stressful working life, and making
out at an exotic locale is certainly one of the best ways to get pregnant. You stand a chance to
have fun and a break from the routine of your life, and besides it is a special occasion, and the
celebration of the same is called for. Enjoy some special time with your partner, and spice up
your love lives it is bound to yield favorable results.

If you cannot afford the luxury of a holiday, dont despair- yet. There are a number of best
ways to get pregnant, right in your own bedroom. For one, try a change of dcor and set up
the room to have a more romantic feel. Buy some aromatic candles, and invest in a couple of
silk cushions and bed sheets, if you would like that. The environment can act as a huge factor
while you try for a baby with your partner, so ensure that the atmosphere is as perfect as you
can get it to be. There are different things that appeal to different people some find the
raw and rustic aura to be appealing to intimacy, while others enjoy luxurious beds propped
with numerous pillows. Work out what you like, and ensure that you work at creating that
atmosphere that you will enjoy.

Enjoy regular intimacy, the process of baby-making does not have to be mechanical or planned
to the dot enjoying the act is certainly permitted, and definitely encouraged. Derive as much
pleasure from spending so much intimate time with your partner, and make it memorable.
These tiny moments of intense love and affection go a long way into making a healthy
relationship, and put you in the right mental state to welcome that little bundle of joy into the world certainly one of the best ways to get pregnant and make your relationship even better.

Learn how to make education fun with an online learning game

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There are plenty of websites on the internet for children who want to play kids pc games. However, many of the games kids can play are not age-appropriate and have little or no benefit to the childs development. Some can even be violent and harmful to children, teaching them wrong and misguided messages. The best kids games on the internet manage to include educational benefits and this is particularly important in games for young children. Preschool games especially can easily incorporate education and psychological benefits while providing a fun experience. It is easy for a learning game to be a fun game!

Flash technology has aided this process greatly and many kids flash games are bright and fun. The best kids flash games help with language, numeracy and motor-neurone skills amongst many other benefits. Adventure games for kids can often take them to far and distant worlds, while providing excellent benefits, and not just for their imagination!

A good learning game will be primarily entertaining and actively engage the child. Some internet games for kids and learning games for kids miss out this important aspect, feeling more like homework. The best kids games wont seem like that at all, they will just be enjoyable and fun. Kids flash games are a great way to do this, they are easy to build and can easily be made appealing.

Many childs games include aspects which help to teach them the consequences of their actions, which is a very valuable lesson at any age. They can also teach some of the fundamental principles of life and many of the best kids games involve scenarios applicable to real life. For example a game where the child has to dial 999 to call an ambulance not only helps their mouse control and number recognition, but also teaches them what to do in a an emergency. Adventure games for kids often include many of these aspects, taking children on a learning adventure, as well as a fun one.

A truly engaging learning game can be a great tool, and parents should definitely consider kids pc games when entertaining their children.

Online Preschool games have often been harder to find than games for young children of school age, with many sites targeting the four-plus market. However, preschool games are becoming more and more popular. So if you want to keep your children amused while at the same time knowing they are benefiting in a positive way, educational internet games for kids can combine both learning and fun.

Reasons Your Children Should Learn To Do Puzzles

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Every parent strives to provide the best environment for their children so they grow up to become educated, intelligent adults. The things you teach your children at a very young age have the most impact on their learning abilities for the rest of their lives.

In addition to letting your children play outside, read and socialize with other children, there are many things you can do to help your children develop the skills they need to execute simple actions (like hand-eye coordination and motor skills).

Puzzles are a great way to stimulate a childs brain and help develop some of the most important skills theyll need for the future not to mention, theyre a lot of fun.

Below, weve listed 3 reasons why every parent should teach their children how to complete puzzles.

1.Hand-Eye Coordination. As we mentioned briefly above, many puzzles aid in developing a childs hand eye coordination. Its very difficult for a young child to pick up a piece of a puzzle, turn it in the proper direction and place it where it belongs in the puzzle. The more they practice, the more it becomes second nature to them and, before you know it, your childs hand-eye coordination is functioning fully. Start with shape puzzles (the ones where the child has to put the shapes into the corresponding holes) at a very young age and work your way up to harder levels as they progress.

2.Problem Solving Skills. Puzzles are a great way to teach children how to overcome problems. Many children become frustrated when trying to complete puzzles but the more they do them, the less frustrated they become. The child begins to realize the importance of working through their difficulties and learns how to cope with frustration. When theyve completed the puzzle, theyll be happy and will likely want to try another. This is an invaluable lesson to children.

3.Memory Skills. Puzzles are a proven method of stimulating a childs memory. There are many types of puzzles designed specifically to help develop a childs memory. If you cant find the right type of puzzle at the store, there are simple ways to teach your children how to remember. Grab a deck of cards and sort through them until you find 5 pairs. Flip the 10 cards over and ask your child to pick up the cards one at a time to try and find a pair. If they flip over two cards and that dont match, they must flip the cards facedown and try again. This will help immensely when it comes to your childs memory skills. As it becomes easier, keep adding more cards to make it difficult and keep them challenged.

Puzzles are an easy, fun and affordable way to keep your children occupied and learning at the same time. We hope you enjoy the information weve provided!

Graduation Dresses And The Role Of A Mother

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Every person develops ones own views of looking at graduation dresses. It is true that the features offered and designs reflected vary from one person to another. However, the best way of looking at a girls grad gown is from a mothers viewpoint. This is because only a mother knows what exactly her daughter needs to wear on the day of her graduation ceremony. Remember that a mother is one who already went through such stages in her life. Offering a piece of advice about the kind of graduation dresses that should be considered will help a girl much in this regard.

Most of the mothers are selective about what their daughters wear on one of the most defining occasions of academic life. The choice of buying graduation dresses is generally made purely based upon their own personal experience. However, this should not influence the independent thinking of girls. This is because of the fact that every girl has got her own views. In fact, most girls dream about the kind of dress and accessories they need to wear on the day of their graduation long before. Mothers need to be inspirational in allowing their girls to take decisions on their own.

The immediate person a girl looks for help in case of dressing is her mother. Hence, you should offer your daughter with useful tips in choosing the right kind of dressing accessories such as watch, belt, and straps. One of the creative ideas is to offer your own accessories to your girl in case you are striving for classic looks. Getting a unique look based on the ultimate combination of dresses and accessories will make any daughter always feel special. Cheap graduation dresses need to be overlooked because they tend to focus a girl in a poor way. The case would be different if good quality is offered with dresses at special discounts.

Grooming up a daughter in a perfect way related to the selection of graduation dresses is essential. This job could be performed in a precise way by only a mother. Taking care of the dressing accessories and offering regular tips are some of the valuable tasks any mother could perform for her daughter. Generating more interest among girls about choosing graduation dresses is effectively possible in this manner. You can even give various ideas to your daughter in choosing premium fabrics such as satin and chiffon depending upon the occasion. It is better to refrain from experimenting with color combinations during initial stages.

Lisa Olsons Pregnancy Miracle Background And Review Of Pregnancy Miracle

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Lisa Olsons Pregnancy Miracle is one of the few complete systems that promises to help you to overcome infertility by using natural and holistic methods for treating your infertility. With more than 14 years experience and her own success story to prove that he methods work, Lisa Olson decided to use her knowledge gained after overcoming infertility and having two children after doctors diagnosed her with unexplained infertility.

The story goes that Lisa Olson and her husband waited until later on in life to start a family, like many couples these days. Unfortunately, they were not successful in becoming pregnant quite as easily as they thought they would and sought out the help of infertility specialists to try to get pregnant.

After many failed attempts at getting pregnant and being turned away by doctors who said that she suffered from unexplained infertility, Lisa Olson took it upon herself to try to become pregnant on her own in spite of what doctors said.

Her 14 year journey to find out everything that she could about treating infertility by using natural and holistic methods eventually brought her successtwice! The methods that she learned about and used to herself become pregnant became the system known as Pregnancy Miracle.

But before releasing Pregnancy Miracle to the masses Lisa Olson tested her system on a group of women who were along in years and also having difficulty in becoming pregnant. Roughly two thirds of those that had formerly been thought to be infertile were able to get pregnant within three months. Others actually became pregnant after that but the three month window was what Lisa Olson was shooting for and the overwhelming majority of couples that followed her plan known as Pregnancy Miracle found success in spite of being in the upper age bracket and being additionally diagnosed with infertility.

Over the years, Pregnancy Miracle has grown in popularity and has helped thousands of couples to become pregnant when they felt that there was little or no hope. The five prong approach that Lisa Olson suggests in Pregnancy Miracle has worked wonders for couples that never thought that they would be able to have a baby of their own and some of the methods are actually being adopted by some infertility practitioners as a supplemental treatment for infertilitywith great success, one might add.

Fast forward to present day and you will find rave reviews and many success stories from couples who now have children of their own when it was doubtful that they would if they had taken given up and just quit in their quest to become pregnant. There is no doubt that these methods work and both logic and medical science point to the fact that the methods inside Pregnancy Miracle very well may be able to help you find the success that you are looking for.

Parent Bond Loans.

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Whether three years old or thirty-three, as parents we endeavour to be there for our children. We can’t always keep them from falling off a bike or prevent the sting of a broken heart but we can always be there with a dry bandage and a shoulder to cry on. And as they get older and venture out into the world on their own, we hope for the ability to be there still, to offer a leg up when finances are stretched. Sunshine Brokers is a family owned and operated business, so knows exactly what it means to be a parent. In fact, they’ve created Parent Bond Loans just so folks can help their kids out with things like rental bonds. Sunshine Brokers, exclusive to Sunshine Loan Centres, has been helping Australian parents be there for their kids for over a decade. They’ve developed an online application system that’s easy to follow and convenient to use. You don’t have to take time off work to chase down a loan institution. You can apply from the comfort and privacy of your own home. No muss no fuss. Parent Bond Loans applications from Sunshine Brokers are easy to get at and just as easy to fill in. It’s a simple form dealing with direct information and not a lengthy questionnaire making endless inquiries about your background. The application takes around five minutes to complete, then goes straight to the first available expert loan crew who will take you through the rest. Making application after hours or on the weekends will of course delay the process, but when you submit your application during standard business hours, you’ll benefit from Sunshine Brokers express, fast approval service and could easily have your answer that same day. You must at least be 18 years of age or older, have proper identification, a current bank account, proof of income and be able to show you’ve not defaulted on past loans. Parent Bond Loans applications from Sunshine Brokers are free of hidden or ongoing fees and no penalty will be applied if you opt for an early pay out. Once deposited into your bank account, there are no restrictions on when you make withdrawals or how you disperse your funds. Sunshine Brokers believes those decisions are uniquely yours to make. When one of your children runs into a snag trying to meet the requirements of a new rental and you’d like to help without dipping into your own savings, give Sunshine Brokers a call at 1300 557 003 or directly apply online for one of their convenient Parent Bond Loans.

Crystal Meth Use In Pregnant And Breastfeeding Mothers

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Crystal meth use has been detected in teenage high school kids, but nothing is more upsetting than the idea of pregnant or breastfeeding mothers abusing the substance. In an adult body, crystal meth use can already cause psychosis, rising of the blood pressure, heart failures, permanent brain damage, meth mouth, and the list goes on. Some of these effects are fatal even when endured by the strongest adult immune system. The risk gets higher in teenage users. Can you just imagine the risk of crystal meth use in breastfeeding and pregnant mothers?

It is downright cruel and irresponsible to succumb to crystal meth use when youre pregnant or breastfeeding. Youre not only causing damage to your own body. Youre transferring the substance to your innocent child as well, putting his/her life in danger. If the smallest dosage of crystal meth can damage the body of an adult user, even smaller traces of it can kill an unborn or breastfed child. Unfortunately, mothers who are into crystal meth use are so addicted to the substance that they dont even realize the repercussions of their abuse. If you know of a pregnant or breastfeeding mother whos into crystal meth use, or even someone whom you just suspect of using the substance, you should call for help right away.

Are you friends or related to someone addicted to crystal meth? If you cant bring yourself to turn a loved one in for crystal meth use, you can always ask for the help of a professional interventionist. Most rehabilitation centers have competent teams who can handle the circumstances more effectively. Even if you dont know the mother whos into crystal meth use, its only right for you to report the incident.

His/her child needs immediate medical attention, and the mother also needs to get over the addictive effects of crystal meth use so she can fix her life. It might seem cruel at first to have to turn an addict in, but sometimes you need to be the one to ask for help. Otherwise, these mothers would just fall deeper and deeper into their addiction. They might end up killing themselves as well as their babies.

Spanish Professor Wins Third Graduate XXI Education Contest

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Jorge Gallardo won the prize for his proposal to reintegrate young victims of violence into society.

Madrid, Spain, May 30, 2013 – Jorge Gallardo won the prize for his proposal to reintegrate young victims of violence into society.

Spanish university professor Jorge Gallardo was the outright winner of the third GRADUATE XXI contest, an Inter-American Development Bank (BID) initiative designed to prevent children dropping out of school in Latin America. Gallardo, who has a doctorate in Communication Sciences and is a professor at the Camilo Jos Cela University (UCJC) in Madrid, won the award for his proposal for socially reintegrating young people who have suffered from violence.

His project, entitled -Good memories mark the start of a new path-, won the majority of users’ votes on the programme’s website. -My idea involves expressing negative and positive memories, and posting the positive ones on a blog where they can be shared with other education centres all over the world, because this is the wonderful thing about the Internet and its global reach-, said Gallardo.

The international body said that, although access to education in Latin America has improved considerably over recent years, almost half of all Latin American students do not finish secondary school. Gador Manzano, head of the GRADUATE XXI project, said that initiatives such as this one -give all sectors of society a voice and the chance to actively participate in efforts to combat the school dropout problem and make a good-quality education possible for all-.

The objective of GRADUATE XXI is to involve Latin American citizens in improving the educational system and to increase the numbers completing secondary school education in the region.

Press Contact: Marca Espana Media Relations Marca Espana Serrano Galvache, 26 28033 Madrid, Espana. 512-212-1139

Get Pregnant Fast-4 Tips How To Get Pregnant

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So, you have decided it is time to get pregnant and you can not ignore any longer the natural instinct to procreate and have your first baby. This can be a stressful time for any woman and I will look at 5 critical tips to help you get pregnant with the minimum of fuss and stress.

In order to increase your chances significantly and to ensure a healthy baby you should do yourself a favor and print out these tips and stick them on your fridge.

Tip 1 Folic Acid

Start taking folic acid now; point 4 mg of folic acid per day will enormously reduce your chances of having a baby with a neural tube defect such as spina bifida and you should ensure that you start taking it about 2/3 months before trying to conceive.

Tip 2 Fun Sex

You need to ensure that you are relaxed and having fun when having sex rather than heaping stress and pressure on you and your partner by only having sex with a view to getting pregnant. One will follow the other and you can not force this; just ensure that you inject a little excitement into your sex life by doing it at different times of the day or in a different room than your bedroom. And many experts believe that you increase your chances of getting pregnant by lying down for up to 5 minutes after intercourse in order to allow the sperm to make it’s date with destiny.

Tip 3 Make Love During Your Fertile Period

This covers the time leading up to ovulation and includes the 5/6 days prior to ovulation.

Tip 4 Keep a Menstrual Calendar

It is important that you are organized and know precisely when your ovulation period is due; keep a calendar of your cycles and ensure that you are at your most sexually active during the 5 days prior to ovulation.

Having a baby is a numbers game and assuming you do everything right the chances of getting pregnant are around 30% on any one occasion so don’t stress or put too much pressure on yourself. Take care, reduce your coffee intake and most of all have fun and ensure that your love making is fun and enjoyable for both you and your partner.

And don’t heap pressure on your partner with your desire; he will want it every bit as much as you but there is no point creating unnecessary pressure on him and turning the whole deal into a pressure filled chore. Have fun! Check out wedding invitations online and discount wedding invitations online at

Crest Hill Daycare Child Care Preschool

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A key question to ask any daycare is what is their staff turnover. This is important for many different reasons and plays into how enjoyable your experience with the daycare will be.

Staff turnover is how often the child care needs to replace workers. The longer the period the better. If a daycare is replacing all of its workers every year, you know there will almost always be new faces in the school.

The need to replace teachers is a drain on the school, it takes time out of the administrators day to place ads, interview and orientate new employees.

The level of turnover will also have a direct effect on your child. Child like a high level of consistency in their life. There is already a certain level of fearfulness when they come to a daycare, this is very natural.

However, if every day when the children arrive the same teachers and same friends are there it helps them to feel secure. The lower the turnover the fewer time your child will need to get accustomed to new teachers. This will help with your childs enjoyment of the preschool environment.

Low turnover is a great indicator of staff moral and happiness. When the staff is not leaving this is a good sign that they are happy with their jobs and with the child care center. This happiness cannot help but to show through into everything else they do.

When staff shows up happy about their job they are friendlier and more likely to make an effort to have everything go well.

Children are very good at noticing this, the subtle cues about happiness, and often act on it. We have all experienced coming home upset but putting on a happy face, yet our children see right through it and become sad. The exact same thing can happen with their teacher. Happy teachers will cause your child to be happier in the end.

As you can see the amount of staff turnover is a great indicator of how well you will enjoy a daycare experience. It is a question you should ask about every child care center you visit and use to help pick the best Crest Hill Daycare for you and your child.

Protect Your Child’s Future With Mutual Funds

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You might not be able to imagine you could afford your child’s dreams and wishes for the future right now. But that could change if you use the right tactics. There is a way that can help you to prepare for the your child’s future – mutual funds. There are many funds that can help you invest in specific plans that augment your child’s future. The plans tend to vary based on the age of the child you’re investing for. If you’re investing for an infant or a child of up to 5 years – investments are likely to be equity based. Generally, the investment period could be up to around 15 years from when you start investing your money. This is the best time for you to start investing. It gives you more time with which you can build up your assets. You end up with more time in which you can keep investing money into the mutual fund.

Once your child is around 6 or 7, start considering a balanced fund. Even if you’re leaning a bit towards equities, that’s alright. But by this time, you shouldn’t rely only on equities. This is because you’ll have less time with to invest. Relying on equities means exposing your capital to volatility. At this point, the fund you choose needs to be balanced with a great deal of safety too. The investment period should range up to about 12 years. It gives you comparatively less time – for both investing and for you money to grow. Once the child reaches teens, don’t take any risks with your capital at all. Get a children plan with emphasis on debt funds rather than equity. You will have an investment period of around 5 years at the most, so don’t take risks with your money. Let it grow slowly but safely with debt funds.

Why debt funds? The investment period is too small for you to take risks with your money. You’ll need your money back in five years. Equity is simply too dangerous when you would need the money back in such a short while. Investing in debt funds helps to gain at least some level of interest on your money. You should have a good option for liquidity when you’re investing, though. Whatever plan you want to choose, ensure you have a fair idea of what you want when the investment comes to an end. You don’t want to fall short of the money you need. If you need more money, start investing earlier. Your money will have enough time to grow that way.

Important Tips for Cash Child Trust Funds

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Child trust funds are a long-term investment strategy that allows parents, grandparents, friends, and virtually any interested adult, to ensure that a child is well equipped for a productive adult life. Three types of child trust funds are (1) cash (2) stakeholder (3) share-based.

Cash child trust funds carry the least amount of risk to the investment. They are equivalent to a savings account. One advantage is that the interest is tax-free. Investing in cash CTF is the ideal scenario for those investors who realize the importance of saving for their child’s future, yet do not want to utilize the stock market for such investment.

A Stakeholder child trust fund takes on somewhat of a higher investment risk than cash CTF, but usually earns a higher return. There are restrictions on stakeholder child trust fund to ensure that money is diversified. In addition, when the child is 13 years old, the investment is typically shifted to lower risk markets to ensure that the end of the CTF lifecycle will be rather stable.

A share-based CTF permits higher returns, but it incurs charges to manage such fund. Meaning that one can typically earn higher rates of returns because the investment is placed in riskier funds, but in order to shift the investment between funds, one must pay to have the CTF managed. Thus, a profit will not be realized until one deducts the appropriate charges that will be assessed. The share-based CTFs give investors two options upon opening the CTF. One option is to choose a couple of funds and shift the investment between the two at the investors’ leisure. The other option is to choose from an unrestricted list of funds, and shift the investment accordingly.

The following useful tips can be applied towards either type of CTF:

In cash CTFs, monitor the interest rate. Make sure you are receiving the most competitive interest rate as possible.
Keep in mind that any contributions to a CTF cannot be withdrawn until the child turns 18, and at that time, the child himself can only withdraw it.
Be aware of up-front charges when opening a stakeholder CTF and share-based CTF.
Remind friends and family members that they are able to contribute to a CTF
Understand the risks before deciding against a cash CTF
Start early. If one starts to invest early in a child’s life, and chooses a stable fund, the long-term benefit will be realized.
Be a savvy investor. Research, and study your options. Evaluate your particular situation i.e. realistic monthly contributions, etc., and make an educated decision based on that information.

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