Lorem Ipsum

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There Is Assistance For Single Mothers

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If you find yourself a single mom and realize that times are tough and it’s very hard to make ends meet, you are not alone. It’s a tough job playing the role of mother, finance manager, worker, etc. when you are alone.

Going back to school is always an option if you can figure out a way to pay for it. What if I told you there is financial aid for single mothers? Or it could be that you need help paying your bills. Life can bring unexpected expenses that can drain the account and cause you to reach for a credit card or let other bills go unpaid. If you need help paying for daycare, finding a job, or just putting food on the table, there are several types of financial assistance for single mothers that you can tap into.

Child support and alimony are not always reliable. There are ways to obtain help with this – help with legal fees, etc. Contact your local social services group for more information on help.

Sometimes you may just need a helping hand to get you back on your feet. It doesn’t mean that you are going to be living on welfare, or are a dead beat. It just means that you are going through what a lot of people both men and women are – financial difficult times.

If you have children, you owe it to them to seek and receive help. There are forms of assistance out there to help you in your time of distress. At least you are taking a step in the right direction and seeking after that help. You owe it to your children and yourself. Go ahead and apply for financial aid to go back to school, especially if it means you will get a better paying job when you are finished. Tap into valuable resources to help you collect child support. Take advantage of the programs that exist just for single moms. Plan to use assistance programs as a temporary solution; just one step in your plan for the future.

Things To Consider When Trying To Get Pregnant

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Lots of married people dream about having a baby at some time throughout their life. A child can enhance the joy of life. However, it is a unhappy truth that you’ll a number of instances in which married couples just don’t seem to be able to have a child and look for getting pregnant tips.

Luckily you’ll find a lot of useful tips to help a married couple who wants to get pregnant. To begin with, a positive perspective is critical. Whatever the odds a married couple has been given by their physician, you will find many husbands and wives which have faced very much the same probabilities and succeeded in their mission for children. n.

It has been shown that your thinking and state of mind can easily have a good affect on your chance to conceive. Envisioning yourself with a little one and doing everything mothers do is a help according to the professionals. Some couples have been triumphant in their objective just by practicing these simple exercises. Imagining what you wish in your life has a means of attracting it to you and which makes it a real possibility.

You could also make a few simple lifestyle changes. Some married couples have become pregnant after shifting their sexual position. Several married couples have had success having a child by adjusting their diets or slimming down. If the male part of the husband and wife wears briefs he can easily try switching to less constricting boxer shorts.

Husbands and wives must not allow myths or frequent misunderstandings affect their plans for having a child. Age is one such common misconception. Many people think that it’s unlikely to get pregnant after age thirty five. Don’t be limited by that which you believe. The fact is, there are many older females who’ve healthful pregnancies.

Last but not least, one thing which the husbands and wives should consistently do is try. How else can you have a baby if you do not try? Whilst it may get frustrating to be trying but not having any success remember that the final result is going to be so well worth it. Find out about your body’s cycle, if you don’t understand when your ovulation takes place you can buy kits which will tell you at your local pharmacy.

Keep in mind that there are also a lot of modern treatments for infertility. You will find numerous various treatments available which vary from medications to enhance a womens ovulation to the more intricate treatments like In Vitro Fertilization (IVF). The time to think about these other getting pregnant tips is when it has been more than a year of trying and you’ve had no results.

Want more getting pregnant tips? Visit us for more info on best practices to improve your chances and tips on how to get pregnant.

How a Fat Camp can Provide Education and Support

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Losing weight and gaining a healthy body is one of the most important things you could probably do, but you know it’s hard. You may have tried several options and still have not been able to achieve the results you want. The fact of the matter is that what works for some people just might not work for you. One option you may not have considered is to attend a Utah fat camp. Before you reject the idea, push aside your preconceived notions about attending fat camp. You need to consider the pros and the cons of the idea before you really you make a decision. Going to a camp in order to lose weight is a commitment, and that might be good for you, but it might not be. You just need to learn what these camps could provide for you.

Support

One of the best motivators to lose weight is knowing that you have support. Losing weight is just as emotional as it is physical-if you don’t have a good support group standing by your side, the process will be that much harder. A fat camp can provide support for you in this endeavor in a way that no other place can. Not only will you have counselors and teachers, you will also be surrounded by others who have the same goals that you do. Working toward the same ends as another person can create a great bond, and gives you common ground. Nothing works better to help you through the emotional struggle.

Education

Aside from support, another important factor that can greatly contribute to your ability to lose weight is knowledge. At a Utah fat camp, trainers and counselors can teach you how to lose weight as well as how to maintain these healthy habits when you leave. Without a good education, all the progress you could make will be lost. If you find that you need a better understanding on how to move forward, you might look into joining a camp nearby to help you.

National Institute of Health and Fitness fosters an encouraging, time-tested, educationally-driven blueprint to sustained weight loss and optimal health. Dr. Marc and Vicki Sorenson welcome you to the National Institute of Health and Fitness (NIHF)-located at the Zermatt and Homestead Resorts in Midway, Utah. Our Utah Fitness Resort Offers Many Options For Weight Loss As One Of The Premier Utah Weight Loss resorts.For more information about Utah fat camp, contact us today! ()

Sevierville child custody attorney helps parents gain custody through expert resolution!

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Sevierville child custody attorney helps in developing a quality and a superior parenting plan to expect the changing demands of the family for all the contested and complex cases. >

Child custody is the most litigious issues that arise in the course of a divorce and is bound to affect many elements of the divorce proceedings like financial payments of child support, property division and alimony. To ensure what is favourable to obtains and custody arrangement of the children, one should hire the best Sevierville child custody attorney who can handle the emotional and complex child support disputes. The lawyers are skilled in handling the child custody cases and will provide with the most aggressive and compassionate child custody representation to resolve the disputes successfully. They make the best child custody arrangements, determine the factors that are being a hurdle in child custody for their clients, child support and also further modification of the child support orders.

Arrangements of child custody

Divorce itself is an emotional and traumatic experience but when the marriage is not working out and the couples agree upon the termination of marriage then the legal aspects of child custody and support has to come in the picture. The child custody is generally given to the single parent but the law courts in the city favour shared custody or joint child custody. Despite this, the child can live with a parent or another parent with visitation arrangements made. A factor that needs to be verified in child custody is best helped by child custody attorney. The child’s interest is kept in mind to award the custody to the parent to ensure health, welfare and safety. The additional factors include physical and mental health of the couple seeking child custody, emotional and physical needs of the child, emotional or physical abuse evidence, parent’s ability to provide with shelter, food, medical care and others. Parent’s stability and strength between parent and child is also considered for child support. All the important things are explained by the child custody lawyer to help on a better child custody dispute resolution.

Child custody resolution by expert advocates

There are so many law offices dealing with family law and divorce, child support and child custody issues being the most complex and difficult litigious procedures, a sevierville Child Custody Attorney is able to work in the best interests of clients. The custodial process is developed in a way that the child’s welfare is established and is given the custody of the best parent for a good future. An expert legal advisor with needed skills can make a difference in the child custody case.

Author Resource The Author James Stew is here to give you his own facts about . You’re probably thinking, everyone says that, so, what’s different here. It’s the commitment of quality, genuineness, and a guarantee that values your time and interest.

How To Get Your Children To Listen

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Is there a lot of stress and strain in your life because your children just dont listen?

Do you spend the majority of your waking moments chasing after your children because they are not listening to you, and you feel like you have to micro-manage?

Do you have no energy because all your energy is spent being frustrated and blocked by your childrens apparent inability to follow orders?

Well, the good news is you may be able to get back your time and energy and a balanced family life simply by understanding what the communication block is between you and your children.

Of course, every child is unique. Some children need their freedom more than others. Some children enjoy structure, and some do not. But what they all do have is one, two, three or four communication modalities or communication modes in common.

What is a communication modality or mode?

As Dr. Robby, Director of the LMC Relationship Centre, Developer of the Better Parents, Better Kids Program, and co-author of our e-book, Better Parents, Better Kids, explains:

“Communication is the result you get. Different people are on different channels. We learn, we express love and communicate through different modes or combinations of modes. It is important to know who you are playing with and what channel they are playing on, or else your communication will not be very effective. We basically all want to get what we want. If you cannot get your message through of what your needs, wants, dreams, goals and visions are, you will be very frustrated and stressed. So an understanding of communication modes is a basic skill for relationship success, whether that is a relationship with a partner, your children, friends, family or coworkers.”

The following is a very basic definition of the communication modes. You can be primarily one mode or a mixture of up to all four.

Visual people communicate by seeing and doing. They like activities and they like gifts. They notice people, places and things with just the slightest glance. They feel and share love by doing things with or for other people. They take things at face value and do not look deeper into things. They learn by seeing and doing.

Auditory people communicate through talking. They have the natural gift of the gab, are designed to be able to talk for long periods of time. They enjoy talking and listening to other people talk. They feel loved when they are talked to, and like to hear the words “I love you.” They learn by hearing.

Digital people communicate through connection and understanding. They find the deeper meaning in everything they think, see and do. Understanding is very important to them. They feel loved when they share connections with others and are understood. They learn by understanding.

Kinesthetic people communicate through their bodies. They move, feel and express through their bodies. Kinesthetics love to touch, feel, do physical activities and hug. They feel loved when they are touched. They learn through touch and through experience.

Top Three Tips That Can Help You Get Pregnant Fast

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The path to getting pregnant can be easy to a lot of people. If you find it difficult to get pregnant you are not alone. A lot of people are also in the same situation as you are.

Here are some of the obvious ways you can get pregnant fast:

1. Avoid smoking, alcohol, and caffeine as much as possible.

2. Keep yourself in shape – exercise and diet should be a priority.

3. Stress management should be observed.

Here are the things that may not be too obvious to you.

When to have sex you really need to keep track of your ovulation period. There are days when you are much more fertile than usual so take advantage of this.

1. You have to keep track of the days you are most fertile. Keep a diary of your period.

2. Use BBT or Basal Body Temperature. The higher your vagina’s temperature, the more fertile you are that day.

3. Check your cervical mucus. If your cervical mucus is thin then you are ovulating that day.

Assume the position

This is a very controversial technique. Some people claim that when you have sexual intercourse using the missionary position, you tend to close a little gap between the sperm and the ovum or egg. This will fertilize the egg faster.

Relax and just lie down after sex

Some women want to walk around or stand up after sex. This is not ideal if you want to get pregnant because it will make it harder for the sperm to travel inside the body. You should just relax and lie down after sex so that you can facilitate the sperm travel time.

No matter what you try and what you do, you should always consult your doctor. Your doctor and science based medicine is still the best thing that can help you get pregnant fast.

If you are ready to get pregnant and looking for help, check out more tips at Best Position To Get Pregnant. Discover all the tips for getting pregnant fast at my blog.

Fashion Was The Main Subject Matter At The Mother And Child Premiere

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Hollywood’s Mother and Child Premiere took place on April 19 and it drew stars like moths to a flame. As usual, fashion ruled, as attendees were dressed to the nines in sharp tuxedos and beautiful gowns. More and more, fashion seems to overtake the purpose of these events, but no one seems to be complaining.
Mother And Child star Kerry Washington was a vision to behold in a J. Mendel print dress. Heels from Sergio Rossi and a clutch bag in gold highlighted the frock. The star’s accessories went far from unnoticed due to the large pink Amrapali ring on her hand.
Bodyamr did not go unrepresented at this Hollywood premiere, as Amanda Seyfried was decked out in a grey and purple silk dress from the designer’s Fall 2010 collection. However, Bodyamr would have been much more pleased if the actress actually wore the dress correctly. Seyfried had the zipper running down the front of the dress, but it should actually be on the back.
New York was the site of the April 26 premiere of the film and the fashion show continued. Classic looks, like the Stella McCartney black cropped pants and lace-accented black top worn by Naomi Watts, ruled the night. Watts kept the color scheme going by pairing the outfit with a black clutch and heels. The look was understated, but at the same time elegant.
Kerry Washington made a follow-up appearance to her showing at the Hollywood premiere and caused quite a splash. Her black and lilac mini dress was sassy and highlighted her beauty. The Zac Posen design was altered from the runway version that sported sheer sleeves. Washington wore peep-toe heels and carried a black clutch to complete her outfit. One can only wait too see what she will pull off at the The Joneses Premiere.
The film’s two older stars looked distinguished and well put together as they made their way down the red carpet with their spouses. Annette Bening looked lovely in a black pantsuit at the L.A. premiere as she entered holding hands with her husband, actor Warren Beatty. Her co-star, Samuel L. Jackson was accompanied by his beautiful wife, Latanya Richardson.
The film Mother And Child shadows the lives of three very dynamic women. The first is a health care worker still struggling with the decision to give her daughter up for adoption after becoming pregnant at 14 years old. The daughter has grown up and has become a successful lawyer, but the decision made by her birth mother has affected her life as well. The third woman portrayed in this film has made the life-changing decision to adopt after discovering that she and her husband are not able to conceive a child.

Should I Be Worried About My Elderly Parent Falling Should They Get A Medical Alert System

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Usually, its not a case of if your elderly parent will fall but when. Studies have shown that 69% of elderly over the age of 70 will fall. Unfortunately usually if a fall happens with a senior in their home it wont occur in a convenient place for him/her to get help, like beside a telephone. Most falls happen in or around the bathroom or stairway. If the senior is alone when this fall happens, with nobody around to help, the situation could become dire. This is why its critical to plan for such an event, to ensure your loved one is safe.

There are many steps you can take to help prevent your elderly parents from falling. Regular exercise is critical to increase strength and mobility. Exercise is one of the most important steps you can take to actually reduce falls.

Decreasing fall risks in the home like removing small rugs, using non-slip mats in the bathtub, improving lighting and removing any items someone may trip over can help prevent falls. You may also want to install grab bars next to the toilet and the bathtub.

You want to be careful with your loved ones medication to ensure side effects wont help cause a fall. Its important to check drugs that have side effects that can cause drowsiness. These can increase risks of falls inside the home.

Checking your loved ones vision regularly is also critical. Loss of vision can greatly increase the risks of falls.

And finally, purchasing a medical alert system for the home can be a final safety measure that can save their life. If your elderly parents fall inside the home, all they would need to do is press a help button and help would be on the way. A personal emergency response system is what every senior needs.

How To Choose Pre Walker Baby Shoes

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Creating certain that you observe your child’s toes is essential in creating the developing blocks for your child’s walking progression. As soon as your child can take a few actions and might be going for walks outside on difficult components, shield their toes early with baby shoes made of versatile, light and transportable and organic elements, such as smooth all-natural leather, with versatile and non-slip feet.

Check the footwear every six to eight weeks as your child’s toes develop until they are four or 5 years old. There requirements to be at least 18mm of room in between the end of your child’s biggest toe and the finish of his/her shoes. Children’s toes develop quicker in the summertime months and sometimes hardly at all throughout the colder months. Shoes that don’t fit correctly can damage development of your child’s toes, trigger your little one irritation and also negatively influence a child’s health.

To make sure you select the suitable footwear, some experts recommend that you take your child to the shoe shop when their toes are going to be ‘swelled’ to their greatest. Ie, warm weather and later in the afternoon. Sneakers should be pleasant to put on from the time frame of buy…they do not need to break in.

To discover the best footwear size as nicely as to test whether a current style is too small, the gap in between the big toe and the end of the shoe should be a thumbs width. As a side matter, although division shops and shoes stores generally come with a large assortment of kids footwear, you are able to also use the web to buy your child’s footwear.

If you are looking for the greatest in kid’s footwear, you require to spend attention to numerous elements such as your child’s toe shape, shoe inserts, sole components, production techniques, toe style and rear foot style and then figure out the safety and comfort of the footwear when it is on your child’s feet. Due to increasing concerns for their child’s footwear by mums and dads, these days companies are utilizing Eco-friendly methods to produce the footwear.

You need to discover baby shoes that are created using soft toes to protect your baby’s toes which are extremely susceptible to damage throughout the initial phases of life. Apart from this, you require to also pay attention to the shoe design and toe style to find the greatest child footwear that provides versatile and totally free motions of toes and ankles.

As soon as a kid gets to the stage exactly where they start walking, they will require some Pre Walker Baby Shoes to accommodate their feet and their orthopaedic well being. And sites like can help you to find good baby shoes.

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

Child Custody Lawyer Las Vegas Fee Methods

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Client may consult a child custody lawyer Las Vegas on an as-needed basis only, with each appointment standing alone. If client do, he or she will probably be expected to pay at the end of each office meeting-and this may work better for client as well, especially if the consultation occurs before client file for divorce and child support, because it means client won’t receive a bill in the mail. If client hire the attorney later to represent client in a case or transaction, the financial relationship will probably change to a retainer arrangement, discussed below.

A flat fee is a lump sum that covers all charges from the beginning to the end of the case. A flat fee is designed to give both client and the attorney some degree of security about what to expect in terms of cost. The difficulty is that in setting the fee, the lawyer must try to estimate how complex the case will become; it’s not very common for divorce attorneys to charge a flat fee for the entire case because of the difficulty of predicting the number of hours the case will take. All of the variables described in -Factors Affecting Fees,- above, contribute to this difficulty. If the lawyer overestimates this, client will pay more than the case warrants. On the other hand, if the attorney underestimates the time, then after a certain point the attorney will be working for free, which may not work well for client in terms of having the lawyer’s full attention. Either way client look at it, he or she stands to lose with flat-fee representation unless client has a very simple set of facts.

A contingency fee means that the child custody lawyer Las Vegas gets a percentage of the award if the case is won, and nothing if it’s not. The word contingency refers to the fact that the fee is contingent on a positive outcome. Contingency fees are most commonly used in personal injury cases. In a divorce, using a contingency fee would mean client would pay the attorney a percentage of the value of the marital assets that client is awarded. Many states don’t allow contingency fees in divorce cases at all, and even in places where they’re allowed, they are frowned upon. It is easy to see why. If an attorney’s fee is dependent upon the valuation of assets, the negotiation takes on a personal aspect for the lawyer, who may be less than objective during negotiations and might have a hard time keeping an eye on what’s best for the client.

One of the important thing that one should consider while hiring the child support attorney is to know the fee structures.

Reading the reviews provided by the author is one of the best ways to gain necessary information on .

Many Donors Now Opting For Child Sponsorship

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No matter how poor some families are in the UK, their plight pales by comparison with that of so many in under-developed countries where even basics like food, water and healthcare cannot be taken for granted. This is why so many people are moved to donate a little of what they have to try and alleviate the situation. It is easy to just give up and ask yourself what difference you can make to such a massive problem but, by combining your efforts with those of millions of like-minded donors around the world, you are steadily helping to win the war on poverty and extreme deprivation.

Of course, there are still millions living in dire conditions but the number is falling all the time as the relentless work of charities based in the developed world gradually begins to bear fruit. Increasingly it looks as though many people are turning to the idea of child sponsorship as the most effective and mutually fulfilling way of contributing to this effort. Putting money into collecting tins on flag days is not a very personal way of going about things and there is always that doubt as to how much actually finds its way to the coal face.

The great benefit of supporting one of the child sponsorship charities is that you will be actually able to see the difference your support makes at first hand. Sponsorship allows you to connect with a specific child in need and make a profound difference to that child’s life, family and community. Your sponsored child will know your name, write to you and receive benefits like clean water, nutritious food, healthcare and educational opportunities. Just as important is the boost a child receives knowing that he or she has a sponsor from another country who really cares. As the years go by, donors will see from photographs and regular correspondence exactly how they have, quite simply, made a childs life so much better.

Sponsored children tend to keep and treasure the cards and letters they have received from their sponsors. Many of them relate how they often pray for their sponsors and thank God for the blessings their families have received because of this generosity from a foreign land.

Experienced child sponsorship charities have found that, by and large, while each child is individually sponsored, it is better that actual donations are pooled with those of other sponsors to achieve something that provides sustainable benefits to the whole community. That way, no-one feels left out and there is no resentment. The underlying aim of the whole child sponsorship movement is to help children in poorer countries stand on their own two feet so that they, in turn, will one day be sufficiently skilled to provide their own assistance to the community.

Enhance Your Study Skills with Study Skills Tips

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When we sit to study we need our full concentration which most of the time is lacking as our mind is most of the time lost in other things, and too much pressure on our minds at a time leads to confusion as a result of which we are not able to gasp the syllabus in the way effective enough to get us good results. To overcome such difficulties while studying it becomes necessary that you find some solutions which can help you in Improving Study Skills and let you complete your syllabus even within time restrictions. It is not at all necessary to study in any bounded way, because one can explain you your chapters but can’t teach you how to put them in your mind as every mind works at its own speed and pace and so same technique of studying can’t prove out to be useful for everyone. So the best way to put it is to find your own effective way of studying which prove out useful for you and help you complete your syllabus on time. When you have to finish a huge chunk of your course before your examinations then apply few of these Study Skills Tips to get through it. First and the foremost tip to keep in mind while studying is not to create a chaos and take it easy, as chaos only leads to confusions and no results. Try focusing on the important stuff essential for attempting your papers and avoid any unnecessary piece of information if it’s not very much required. Apply speed reading to fasten up the learning process; it saves your time both from learning and reading and to avoid the fear of missing out words try reading more than once. Improve your memory through some memory techniques and insert bulletin points, visual images and flow charts in your notes to make it less complicated and more interesting. Syllabus in colleges is harder and vast thus requires more time and better memory and so the College Study Skills also need to be different. To cope up with speed completion of the syllabus and vast variety of things to learn it becomes essential to let go word to word reading and understanding and to focus on getting the grip of what you need to study and then mould it in the form which helps you understand it all within less time and efforts.

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The author is an experienced Content writer and publisher for Business Development. Visit at to know more about Improving Study Skills and College Study Skills .

India’s Children – Akshaya Patra is helping them in the most effective way

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Just a few minutes remained for lunch break but Santosh could wait no longer. There are hardly any words to describe the eagerness in the 7th standard student’s eyes as he looked out of the window, waiting for his lesson to be over. As the clock struck noon, Santosh along with his friends, ran into the dining area, ready for piping hot food. It was their favorite Akshaya Patra’s rice and sambhar today.

Like thousands of children across India, Santosh works in the evening at a construction site for a mere pittance. Having lost his mother at a young age, he lives with his uncle, who also works as a mason at the same site. Because he lives with his guardians, he cannot say no when asked to go to work, but fortunately for him, his uncle and aunt do not force him. Santosh wants to become a police officer. He says -I will study whatever it may take to become one.-

Manjunath, his friend, also has a similar story to tell. His father, also a construction worker, puts constant pressure on him to go to work. But, the little boy’s aspiration to become an Engineer spurs him on to finish his education.

However, children like Santosh and Manjunath have many challenges to face their circumstances may force them to drop out of the education system long before they can hope to make their dreams come true. Nearly 13.5 million underprivileged children in India like Manjunath and Santosh are out of school and into child labour in order to earn a single meal in a day. What Akshaya Patra aims to do is give such children the boost they need to make the most of their lives. By providing freshly cooked mid-day meals to poor children, Akshaya Patra is helping them in the most effective way it is providing them with a healthy balanced meal, so they have the energy to pursue their dreams.

Akshaya Patra’s food for education school meal program addresses two major problems facing India’s poor children lack of food and lack of education. The mid-day meal provided by the Foundation on all school days acts not only nourishes them, but also acts as an incentive to bring them back to school.

We hope that with continued effort, children like Santosh and Manjunath, will not have to give up their dreams just to be able to earn a meal.

More Testimonials: Online Fundraiser Page: Akshaya Patra Blog: About Madhu Pandit:

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.