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Education-savings plans Coverdell vs. 529

Education-savings plans Coverdell vs. 529

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.

Online Degrees And Courses In Psychology

Online Degrees And Courses In Psychology

Due to increasing stress level in or lives, psychologists are much in demand. Today, visiting a psychologist is no longer la taboo, as it was few years back. Even some schools and colleges make it a point to have psychologist or a counselor, which proves to be an asset both to the students and the teachers.

Psychology is an extremely diverse field with numerous career paths. Some specialties like caring for the mentally ill are familiar to most of us. Others, like helping with the design of advance computer systems or studying how we remember things, are not widely known. A part from the more popular branches, there are increasing job opportunities like industrial and sport Psychology which are the still kin the embryonic stage in India. But the possibilities are tremendous.

Employment of psychologists is growing almost as fast as the average for all occupations. Employment in health- care is fast growing in outpatient mental health and substance abuse treatment clinics. Numerous job opportunities have come up in schools, public and private social service agencies and management consulting services. Companies are using psychologists expertise in survey, design, analysis and research to provide marketing evaluation and statistical analysis. This field offers a wide scope, yet untapped in India.

Psychology has numerous branches of basic as well as applied kind. Important branches are Social and Environmental psychology, organizational Behaviour/ Psychology, Clinical Psychology, Guidance and Counselling, Psychometry, industrial Psychology, Developmental, Criminal. Experimental Counselling, Animal Psychology etc. All these branches, though different are still interrelated. Most universities in the country offer various online degree courses related to psychology and many people prefering Online degrees in Psychology and Online Criminal Justice Degree. Various one-year diploma courses in child guidance and counselling are offered by several institutes as well. Short term correspondence courses are also available IGNOU (Indira Gandhi National Open University) is one such institution. There are several one-year diploma courses in special education or mental retardation. The NCERT also offers specialization courses of one to one and a half year duration.

In Clinical Psychology the post Graduation course offers a minimum of three months field posting with any of the development and mental health centres. After that one can join the psychiatry department of a hospital. NIMHANS, Bangalore, is the best institute for specialization in Clinical Psychology Central Institute of Psychology in Ranchi, Jamia Millia Islamia in Delhi and the Delhi University also offer courses in clinical psychology.

Clinical problems like neuroticism, psychoneurosis, psychosis and its various offshoots like schizophrenia, hysteria, obsessive-compulsive disorder, etc., necessitate the work of a clinical psychologist. The main job of a clinical psychologist is to identify, and diagnose the patients and also apply various therapeutic techniques.

Make Your Child’s Room a Special Place

Make Your Child’s Room a Special Place

Are you trying to make your childs room a special place of their very own? Has your child been asking for a “new” room? Check out the following suggestions and you may soon be on your way to making your childs room their own.

1. Think about your childs personality. What type of things does he or she enjoy? Ask your child what kind of room he or she envisions for herself. Children even as young as two years old have distinct likes and dislikes. Talk with your son or daughter about a few different themes they are interested in and let them choose which they like the best.

2. A fresh coat of paint in bright colors is a quick and inexpensive way of creating a special place. You could let your child choose their room colors entirely on their own. After all, it can always be repainted. If you arent feeling quite so brave you could narrow down a few colors that would work the best and let them choose from them. Most children like bright and cheerful colors; however some may find more neutral colors to be comforting. Chalkboard and whiteboard type paints are popular and can be used on a small area to provide a fun and creative space.

3. Create special areas in the room for specific activities. Make their bed inviting and comfortable by using soft bedding for girls or bedding for boys made from quality materials. Many unique themed kids bedding sets are available that will please your little one. If you child seems to change his or her mind frequently perhaps choose a solid colored comforter and window treatment and several themed sheet sets that can be interchanged depending on your childs wants. Be sure to include a special reading place in your son or daughters room. A small bookshelf will be perfect for keeping those favorite books close at hand. If space allows, provide easy access to favorite toys using an additional bookshelf or brightly colored storage bins.

4. Add personalized touches around your childs room. All children love to see their own artwork displayed. Choose a poster frame or two that can easily hold various pieces of your childs work. A cork board is another great way to display all of those favorite pieces. Children also love to see their name in print. Personalize your childs room by adding objects with his or her name on them. In addition, colorful accent pillow are a great and inexpensive way to add your childs favorite colors to their room.

Overall, making your childs room a special place of their own is rather easy. Have fun planning and decorating your little ones space.

Delhi University Vocational Courses

Delhi University Vocational Courses

Shaheed Rajguru College of Applied Sciences for Women is another Delhi University (DU) college that offers various types of career courses and vocational courses that may not be on the popularity radar but are high on employability quotient. Various career and vocational courses offered by the college are uniquely designed so as to bridge the gap between the University and industry. When IT comes to creating job opportunities, vocational education and courses are the potential mine field. The term vocational means work related, So if you are doing a vocational qualification it means you are learning skills that will help you to get a job quite easily. The applied practical training imparted in our curriculum fills up the lacunae of the conventional pure science courses.

The three-year degree programmes offered by the college are B.Sc (Hons) in Electronics, Instrumentation, Food Technology, Computer Science and Biomedical Sciences. All these career courses are inter-disciplinary and the students undergo eight weeks of industry training in their second and third years. There is also a need to change the mindset of the people towards vocational education and training. They have to be counselled about the changed situation and the relevance about vocational education and training. A negative mindset towards the course from the part of the parents is one of the biggest impediments in making vocational education popular.

This year, the college has received around 15,000 applications for various career courses with the maximum being for Computer Science, followed by Food Technology and Biomedical Science. However, Electronics and Instrumentation offer equally good opportunities. The students of electronics are either working in the IT industry or studying at various universities including the IITs.

The students also have the several option of taking up the add-on course of CCNA (Cisco Certified Networking Associate), which is recognised worldwide and helps in placements. Though many students move on to pursue a Ph.D, the college helps them in placements.

In the past, students have been placed with mainly IT companies like HCL, Sapient, Infosys, Tata Consultancy Services, Siemens, Wipro, Motorola, LG Electronics, NTPC, Dabur, Nirulas, Kwality, Glaxo Smithkline, TERI, National Heart Institute, Jubiliant Organosys and Ranbaxy Laboratories, among others. The starting salaries offered to students have been in the range of Rs 20,000 to Rs 40,000 per month.

Know What To Look For In A High School Home Study

Know What To Look For In A High School Home Study

Is high school home study a good practice? This practice was done from the start of human time. Many schools now offer high school home programs. They offer all academic required courses. Its easier to monitor your kids education at home. Find out how home schooling is good, in this article.

High school home study program has been known all throughout our history. If you will look back in the earlier days; royals, nobles and other privilege families either employ educated or wise people to tutor their kids or sent their kids away to exclusive schools. They were taught cultures, manners and other social subjects. Historically, teenage boys are often the candidates for this learning method.

Despite its ancient existence, people still perceive home learning as studying at home. Well, this isnt entirely wrong but this kind of learning is not just done at home under the parents supervision. In fact home study is private education.

Same as before, it may be either hiring a private teacher or enrolling your kids into a private school. But as opposed to the practice before, this kind of study-away-from-home program is neither just for privilege for boys; it is now open for all.

Accordingly, parents send their kids to a private high school for a better education. Also, they found these schools to be safer than public schools. But accordingly, having their kids study at home is far safer than any other types of educational institution. Their kids would be safer under their own roofs.

But really, are high school home study programs any good? Zion Academy, a private school that offers programs such as advance preparation for higher education, study-away-from home and other formal education guarantees positive result.

Other private high schools also provide excellent home study programs. Instead of studying at home, student go to a private school to study.

With their more than twenty years of experience in providing such programs, private schools can now design a curriculum that would fit their students interest, ability and age. Through their predetermining tools such as pretest and other entrance test, they are able to identify which kind of topics or assignment they should give to their students.

Aside from the five fundamental subjects, which are social Studies, Math, English, World Building, and Science. They also offer enhancement programs and optional subjects for their high schools students, such French Language, World Geography and others.

A high school home study program could really be a good alternative to attending formal classes. When it comes to tuition fee, they do have flexible payment plans that would help with your finances.

Advantages And Disadvantages Of Having An Outdoor Wedding

Advantages And Disadvantages Of Having An Outdoor Wedding

You and your fiance are different and both of you are contemplating an outdoor wedding against a more conventional church wedding! An outdoor wedding holds manifold advantages, especially so for those feeling claustrophobic by church weddings. However, there are certain disadvantages with outdoor weddings as well. Let us consider the pros and cons of outdoor weddings to help finalize any of your decisions in this regard.

Advantages of an Outdoor Wedding:

Church weddings invariably pose restrictions on the themes that can be used for the weddings. With a church wedding, one needs to primarily stick to more conservative themes that are traditional and time honoured. With an outdoor wedding you have a lot more freedom and you can pretty much call all the shots with regard to the themes you would want to have for the wedding. The sky is the limit when it comes to choosing the themes – it can be a beach theme or a western theme or anything else that catches your fancy.

The cost is a great advantage when it comes to outdoor weddings as they are definitely much less costly than what you would incur with a church service. You don’t have to pay for using a public garden or a beach to get married, and the only costs in this regard will be what you need provide to the minister. And this goes with a host of conveniences like discarding formal attire and going with a simple sundress (if you prefer) when getting married in a sunny beach or a warm garden.

Another advantage with outdoor weddings is that you and your guests will feel much more relaxed and comfortable in the casual environment as against a stuffy church environment. Having lots of movement space is also welcome as people don’t have to jostle like in a church.

With outdoor weddings, the same venue can be used for wedding and reception; you just need to find someone for decoration and catering.

Disadvantages of an Outdoor Wedding:

The unpredictable weather can play a big havoc with your wedding. Mother Nature is not under our control and the weather man can be wrong. Moreover, the unpredictable nature of the weather makes it difficult to plan outdoor weddings ahead of time. It can be pouring on the day of your wedding and so it would be a good idea to have a back-up plan when you are contemplating an outdoor wedding.

Also most Catholic priests don’t allow you to marry outside of the church. So, you need to convince your priest first if you really want to go ahead with an outdoor wedding.

To summarize, outdoor weddings work for some people and not for others. So, plan carefully taking into account all pros and cons and figure out what will work best for you.

Family Tattoo Quotes

Family Tattoo Quotes

Tattoos are becoming more and more popular nowadays, and people are taking a fancy to them because it allows them to have permanent reminders of their loved ones, of obstacles they managed to overcome, or of things or ideas they are passionate about. Moreover, today you can see tattoos on types of people that would have never done something like this ten, or twenty years ago. You may be surprised to see grandmothers with tattoos of flowers or of their grandchildrens faces. Thus, it can be said that tattoos are becoming quite a family business and they no longer have to be associated with criminal types or with eccentrics and rebels.

Family tattoo quotes are one of the types of tattoos that you can see on all kinds of people; whether its something they said, or something an important personality said, people enjoy inking this sort of messages on their skin. Family tattoo quotes can be taken from books, the Bible, lyrics of songs and basically whatever inspires you or gives you strength. Perhaps this new-found popularity is also explained by the fact that tattoo parlors are becoming more and more professional, employing only the best and most talented artists. What they can accomplish is so impressive and stunning that it becomes easy to understand why even religious people or conservative individuals cant resist the temptation of embellishing their bodies with an ink masterpiece.

Some tattoo artists have even gained the popularity of celebrities because of their skill and craftsmanship, and there are people making reservations in advance just to have a tattoo designed by such an artist. Some of the more popular family tattoo quotes sound something like this: There is no place like home, a quote from the famous book The Wizard of Oz by L. Frank Baum and which represents the magic words the heroine, Dorothy, utters when she wishes to go back to her aunt and uncles farm.

Other family tattoo quotes may be like A family is a gift that lasts forever by Terry Burritt, but you can basically choose whatever quote you like best. What you need to do though, is make sure you choose a good tattoo parlor that only works with the best artists and the best materials, because removing a poorly drawn tattoo can be painful and expensive. If youre still not convinced, search the Internet for images of family tattoo quotes and see how other people did it. You can have your tattoo placed on your wrist, an arm, on the back, or wherever you feel comfortable having it.

Problem Children Scenarios – Options For Parents

Problem Children Scenarios – Options For Parents

In Scotland, the Boarding Schools Association wants to offer places at their schools for problem children as they are convinced that a similar scheme already operating in the UK has been of great benefit to vulnerable children there. Reactions have been mixed and some parents are concerned about infiltration of drugs and other problems which boarding schools have. This is one scenario where parenting is removed from the home and placed in the hands of caregivers and /or teachers and there are implications for child development.

The same arguments could be applied to sending problem children to military schools in the USA. Parents often get over this problem by following a behavior modification course which will give them the strategies to deal with problem children without actually having to send them away from home. I knew one parent who wanted the option of a military school for her six-year old son!

Let us look at another problem children scenario. The parents’ influence on a child is enormous and once parents are aware of this, they seek to be good role models for their children. The young child or toddler will model his behavior on yours and that also has implications for the type of person you will look for when looking for as babysitters or people to look after your children. Your behavior when having a difference of opinion with your spouse will also be noted and any violence or aggression on your part will have a negative impact on the child’s development. If you are loving and consistent in all your relationships within the family group and even outside it, this will be a great role model for the child to follow. Statistics speak for themselves as the number of problem children from broken and troubled homes far exceeds those who come from happier and luckier families.

Another problem children scenario is where your problem child who may be defiant or have ADHD, is demanding a lot of your attention and the siblings may feel neglected. Very often the siblings will compensate for this by either being extra good and excelling at school or go to the other extreme where they will act out to get the attention they are missing.
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Whatever problem scenario you have to cope with, a behavior therapy program will work wonders and will help you set up a behavior plan, with rewards and consequences. The strategies you can learn from a program like this will help you get through all the possible scenarios and with problem children and you can begin to relax again.

How We Find Best And Top Schools In Lucknow

How We Find Best And Top Schools In Lucknow

The city of Nawabs beckons you into an era of warm hospitality. The capital of the State of Uttar Pradesh, Lucknow has probably one of the most refined and polite people in the nation. Home to the Nawabs of Avadh, Lucknow reflects the refined tastes and royal pastimes that is so much a part of Lucknow. The cultural hub of India, Lucknow is famous all over the world for its performing arts in the form of court dances, Urdu verse that have become popular as popular ghazals and its cuisine which are absolutely legendary.

Lucknow has a number of government and private schools spread out across the city. These schools are affiliated to the Indian Certificate of Secondary Education (ICSE) or the Central Board for Secondary Education (CBSE). Lucknow has a variety of Montessori Schools, Convent Schools and Government Schools, but the Government- aided schools are all affiliated to the State Board. Most of the top schools in Lucknow, have English or Hindi as the medium of instruction. Some State run schools also follow a bilingual combination of Hindi and Urdu as their medium of instruction.

Most schools either only cater to the primary level or the senior secondary level which is as per the board the 10+2 level. On the whole, Lucknow has a reputation of imparting standard education to its students. Some of the popular and best schools in Lucknow are: Baby Marteen Intl School, Baby Martin International School, Awadh Public School, Loreto High School and Delhi Public School. The nurseries that are attached to the mainstream schools are more in demand than those that dont have higher classes attached to them.

If you are a parent and are worried about your childs admission in Lucknow, OSA invites you to get online and we will do everything for you right from giving you a choice of schools in Lucknow through our online school directory to scheduling an interview for your child from a number of schools. Admissions couldnt get easier, but then, thats because OSA understands parental woes that crop up during admission and is dedicated to ease the load off your shoulders.

Buying Gifts For Faraway Friends And Family

Buying Gifts For Faraway Friends And Family

Buying gifts online can be nerve racking. Once you buy the gift, the owner will ship the gift to your home. After this, you will have to wrap the gift. Package the gift again and spend precious time getting the package mailed or find an UPS store to send.

When looking for gifts for faraway friends and family, check out shipping instruction. Will the package arrival in time to reship? Will the product be in stock? What discounts does the store offer for shipping? What type of shipping does the store offer?

Some stores online can help with all these questions and more. Most sites will tell you ahead of time before ordering approximate shipping time. This can give you an idea if you will have enough time to reship the gift to a faraway friend or family member. Some stores online will give free shipping or reduce shipping rates during the holiday seasons. Remember free shipping or reduce rate is not always the best way to go. Some storeowners will increase the price of the product to cover the cost.

When shopping online look for the type of shipping the store offers. Some will have a flat rate, regular mail, UPS, Federal Express, and other types of shipping. Make sure the shipping you choose is in your area when shopping.

Stores will tell you when out of stock items before ordering. This helps to continue your search for the perfect gift for family and friends that live faraway.

Look for online stores that offer shipping address to faraway friends and family members. This will save you time and money with reshipping the package. Some sites offer free address book in your account to help with shipping address.

Shopping online can save you time and money. Shipping charges can replace the gas price at the pump and save you money with not having to reship.