4 Ways To Protect Your Kids From Cyberbullying

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By Candy Watson

girlcomputerOver the years, cases of cyberbullying have increased. As more children are accessing the social networking sites, they are becoming an easy target for such cases. The bullies get an opportunity to damage their cyberspace easily. There are numerous ways by which you can protect your kid from cyberbullying. What can parents do to protect their kids from cyberbullying? Below mentioned are few ways by which you can ensure complete protection to your kid.

Select Stringent Security Settings

It is quite possible that your child is not aware of the security settings. Everything that they post online is made public to everyone. You should make them understand that they must share photos and comments with only those whom they have selected as friends and trust. Most of the time people start bullying when they are unknown. You should visit the page of the settings of your account or your child’s account and teach them how to secure their account from unwanted people. When kids understand the security measures and follow them properly, then such risks get reduced to a huge extent. At least they must know all the security measures.

Restrict the Friend List Only to Whom They Know Personally

Kids must have friends in the social media sites with only those whom they know personally in reality. Besides that, if they had experienced bullying from a particular person who may be related to their school or community, they should avoid becoming friends with them online. They are the first ones who starts bullying. Additionally, for privacy and security purposes, you must ensure that they do not publically share any personal information about themselves. They should always avoid sharing a year of birth and the state of their residence.

Limit the Time on Web

When your kid spends more time online on social networking sites, they are more prone to bullying. You can try to limit the usage of the internet so that they are less available on the social media. You should encourage them to use private messaging instead of posting messages publicly. If your kid was once a friend with someone who is now bullying them, it is perfectly right to defriend them from their friend list. Along with that, they must know the ways to remove defamatory remarks from the page. Limiting the usage time reduces the vulnerability of bullying.

Use of Android Keylogger App

collegegirlcomputerIn order to protect the kids from bullying, you need to know where and how they are bullied. It is only possible when you have an eye on all their activities. Using iKeyMonitor Android keylogger on the device of the kid is the best way to have a watch on their activities. You are able to limit the screen time of the device which prevents the usage of the internet for a long time. It also enables you to block the appropriate apps and games, and protect your kid.

Beside using iKeyMonitor parental control Android keylogger, you can follow other ways to ensure complete protection to your kid. Some instances of cyberbullying are so hazardous that the victims are permanently humiliated and broken. As any such activities can have a serious psychological effect on your kid, you must take steps to prevent them from those hazards and along with that also teach your kid about the security measures so that they can even prevent themselves from becoming the prey of cyberbullying activities.

– Candy Watson is a freelance writer who works for Awosoft Technology Co., Ltd. Awosoft is dedicated to parental control and employee monitoring software development and helping users gain more control over their mobile phones and computers.

Keeping Your Kids Safe Online

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By Candy Watson

girlcomputerThe number of children targeted in the online attacks is rapidly increasing. Most of the children are suffering from cyber-bullying or they are targeted by the child trafficking mafia. Parents should take the important steps to protect the devices of their children and practice secure computing habits.

Children these days have easy access to the smartphones and internet. Most of the children at the young age of 12 have their own tablets or phones that give them the freedom to use the internet anyway they like. Children ask for a mobile phone on their birthday and not a toy. This situation is really alarming, and parents have to take control. You cannot stop your kid from using the internet when it is available everywhere but here are a few ways that can help you keep your kids safe.

iKeyMnitor Parental Control App

iKeyMnitor is the parental control app that will give you the complete control of what your children are doing online without the need of asking them.

  1. It will allow you to control the apps and games that your children cannot download or use on the internet
  2. You can check their entire browsing history, texts and call logs
  3. You can record all the chats of your children and check their keystrokes while they are texting
  4. It works with all the applications and devices. You can even view and save the images and videos that your children have shared in the album.

Use VPN

It is important that you get a VPN for the devices that are used in your home. Do not allow your children to use the free WiFi in the restaurants or other services available because these can be dangerous. With the help of VPN, you can alter the IP address. No one will be able to reach your child through the VPN. It will also protect you from the encrypted networks so that your information will not be used in any form. You can even get the VPN connected to any smart device that you are using in the home.

Teach your children the basics of security

One of the most important things that you have to do is to teach your children all the basics of security. You have to teach them how to set privacy on all their social accounts and why they should not share the data of their online. Set some rules in the house that includes the time for which your children can use the internet and which types of applications and websites they cannot access. Teach them about the hacker activities and the fake links that are sent to control their device. Make sure that you use Anti-virus software for your devices, so that your information will not be compromised.

Know who they are talking to

There are chances that your children will not show you’re their devices. However, it is important that you find out who they are talking to most of their time. You have to build a positive relationship with your children to assure that they will tell you everything. If you notice that the person they are talking to is wrong for them, you have to make your children understand in a polite and loving way, so that they will understand you. You have to show your children that you care about their protection.

Bottom line

It is important that you respect the privacy of your children but at the same time you should have some control over how they are using the internet because that is the only way you can protect them. It is important that you use all the above-mentioned ways because it will help you keep their online presence safe.

In case you notice that your child is involved with some bad people or in some bad activities you should guide them politely. If you scold or punish your children they will surely go against you as well as they will start hiding things from you. In order to keep them safe, you have to work in the background and assure that you are always there for your kids.

 

 

Outdoor Ideas To Get Kids Moving

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By Jessica Wilson

active familyThe most common notion surrounding kids is that they’re more prone to going outside and playing there for what could easily turn into hours. However, some kids find themselves spending less time outside mostly because of other leisure activities such as playing video games and checking their own social media accounts. Nowadays, indoor activities tend to take up most of their free time instead of engaging in outdoor play. For them to get moving, presented below are some fun ideas that kids can do outdoors instead of occupying themselves with sedentary hobbies that can negatively affect their health in the long run.

Why Should Kids Spend Some Time Outdoors?

In an ideal world, every kid should have the right to some outdoor play time. Unfortunately, some kids all over the world spend less time outside of their own homes which can be attributed to a couple of things. The first one is that pastimes that don’t require as much physical activity are increasingly becoming popular as they’re more convenient and can be done even while indoors, while the second one is that some parents worry that their kids might get injured after playing outside. Despite those two things that are forcing more and more kids to stay indoors, they should be given enough time to play outside for the following reasons:

● Spending some time outdoors gives kids a sense of adventure as they’re free to roam wherever they wish as long as there’s a parent or guardian to watch over them at random intervals.

● Making sure that kids have at least a few hours’ worth of outdoor play teaches kids essential social skills that they’ll need to use more often once they become full-fledged adults themselves.

● Outdoor play also makes kids healthier as exposure to early morning sunlight provides them with the right amount of Vitamin D that they need for their bones to grow strong.

What Are Some Outdoor Fun Ideas That Can Get Kids Moving?

While there might be times when the outside weather isn’t welcoming which can force kids to spend the rest of their day indoors instead, they should spend at least a few hours outdoors whenever the weather would allow them to do so. To make it more fun for them, here are some ideas that can get them moving in no time at all:

1. Go on a kid-friendly nature hike.

Some outdoor hiking trails might not be as safe for kids, but there are others that they can walk across with ease.

● Kids have to wear the right shoes though so that their feet won’t get hurt while they’re crossing uneven terrain.

● At least one adult should accompany the kids so that their safety is ensured, especially as some hiking trails may have slippery rocks and other hazards.

2. Finish an obstacle course.

Even with only a handful of tires, some rope, and a bunch of PVC pipes, an adult can build an obstacle course that kids can attempt to complete.

● A well-designed backyard obstacle course can make kids use both their physical and mental skills as they encounter various hurdles that are sure to challenge their idea of outdoor play.

● A game of running around an obstacle course can even be turned into a contest where the kid who finishes it in the least time gets a reward.

familywalk23. Turn a normal walk outside into a scavenger hunt.

Even something as seemingly simple as taking a walk outside can be turned into a scavenger hunt where kids can play detective as they tick things off of a checklist.

● All that’s needed for the kids to do a scavenger hunt is a sharp eye and the willingness to ask other people in case they’re having trouble finding an item.

● While some of the item descriptions can be made slightly more cryptic for the scavenger hunt to be a bit more challenging, they should remain easy enough for a kid to find.

4. Play a round of ball.

Part of the reason why ball games have grown to become some of the world’s most popular sports is that they can be played outdoors almost everywhere.

● A couple of makeshift goals can be built in an outdoor area so that the kids can play a simple game of soccer.

● A football game outside with the kids can also be played even without any goals by just kicking the ball and passing it around.

As fewer kids spend some time outdoors, their overall health can get compromised as they don’t move around as much. Thus, they would want to drop the video games and smartphones even for a short while and make sure that their parents would allow them at least a few hours of outside play so that they can grow up to become healthy adults themselves.

– Jessica is a professional health expert who works for some major health industry giants. She currently writes for Membersown and is dedicated to helping people learn more about health related topics along the journey. When she’s not a health advocate, she enjoys some down time traveling or talking with family.

How To Get Your Kids To Ditch The iPad And Play Sports

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By Maria Myraine Yap

boyvideogameResearch shows that children with access to electronic devices are more likely to be overweight. A survey by REAL Kids Alberta showed that Grade 5 students with access to one electronic device were 1.47 times more likely to be overweight compared to kids with no devices in the bedroom. The number jumped to 2.57 times for kids with three devices.

If your kids aren’t exactly the athletic type, there is still hope. Love for sports can be taught given the proper encouragement and reinforcement. Sometimes, all it takes is a visit to the park or a cool outfit. For example, you can get your kids excited with custom socks from Strideline or a ticket to watch their favorite team. If they don’t have a favorite team? Take them to see your favorite team, mom & dad! Getting your kids to ditch the iPad for sports isn’t at all that difficult.

Not sure where to start? Here are some tips to get your kids away from the computer and into sports.

1. Find A Sport They Enjoy

It goes without saying (but we’ll say it anyway) that a sport needs to be enjoyable for kids to commit to it. If your child isn’t into the same sports as you are, don’t force it. Find your child an activity he/she truly enjoys. Chances are, they’ll be more excited for it.

2. Get Them Excited With Cool Gear

Every child wants to be the cool kid on the block. What better way to show up than with awesome gear? Great gear isn’t only cool, it boosts performance and reduces risk of injury as well. That’s a win-win in any book! Check out https://www.strideline.com/ for custom socks that will help them stand out from the competition.

3. Help Them Nurture Friendships With Active Kids

twokidsunParents often underestimate the power of peer influence and peer pressure. According to Judith Rich Harris, a leading American psychologist, external influences from friends, pop-culture, and society have a profound effect on a child’s growth and development.

That said, it is absolutely vital to surround your kids with good influences. Take them to little league and encourage them to join the school varsity team so that they can bond and cultivate friendships with other active children.

4. Lead By Example

Children tend to copy what they see. So if you spend your days in front of the TV or computer, expect your kids to do the same. Studies show that active parents make for active kids. Kids whose parents hit the gym at least twice a week grew up to be more active than those whose parents never exercised.

Committing to your child’s health and wellness means cultivating an environment conducive to exercise and recreation. Sometimes, that requires getting of the couch and breaking a sweat. Whether you like it or not, parenthood comes with certain responsibilities, one of which is being a positive role model to your children.

In this day and age of electronics and digital media, encouraging your children to play sports can be difficult. However, with the right environment and an active upbringing, sports can be an integral part of their everyday lives.

Traveling Abroad With Kids? It Can Be Done

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By Veselina Dzhingarova

momkidsrunSometimes we hear from parents that, with children, hopes for international travel are an impossibility, or are at least put on hold indefinitely. This doesn’t have to be the case. Kids can travel. In fact, it’s one of the most interesting and helpful things you can offer for their personal education and development. Kids who travel learn; you may not be teaching them a specific curriculum, but you will be pouring a lot of information into their young minds. For parents who want to teach their kids a second language, or who want to give them a hands-on appreciation of history or world culture, travel is the best possible means to the end. But to get it, you’ll have to understand some of the practicalities of this kind of travel, and make sure that your kids can work within those bounds. It’s doable, but it will take some planning.

Find Flights With Child Discounts. Not every airline offers child discounts, but some do. This is a bit of moving target, so it’s important to research current offers and policies, as these tend to change monthly or yearly. Some airlines will let small children sit on your lap for free (second carry-on?). Others won’t. Some will offer discounted seating to older children as a perk to traveling parents, others won’t. In all cases. It’s important to look for deals well in advance of your travel date, as this is the most important factor in locking in airline deals of any kind. If you book your flight well enough in advance, you may not have to worry about child-specific deals at all – you may find savings the old fashioned way.

Prepare For Communication. If your kids are old enough to do their own thing while you’re overseas, you want to make absolutely certain that they have multiple ways of contacting you. NobelCom is a company that makes phone communication easy, within nations all around the world. You’ll be able to phone home or just get in touch with Junior when you haven’t seen him in an hour or so. NobelCom calling cards are a great gift for other travelers, or just something to provide peace of mind when you’re on your excursion.

Make Sure Your Kids Understand Various Things. If you’re traveling abroad, getting around may not be at all like what you’re used to back home. Your kids likely won’t take this for granted, and will need specific direction for the place you are traveling. This could include social and cultural awareness training, safety conversations, behavior requirements for places as diverse as restaurants and airports. Help your kids prepare for their trip with these sorts of helpful rules, and they’ll be a lot more successful when you arrive.

There are tons of ways to make travel with kids possible – even travel overseas. Savings can be had, kids can be well behaved, and communication can make the whole things safe and smooth. Prepare well in advance, and you’ll have this trip well planned, and (mostly) stress free.

Five Best Fruit Juices For Kids

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By Mauricio Prinzlau

fruitswhiteIt is certainly no child’s play persuading your children to finish their food, especially when it looks dull and unappealing. And as a parent you must be well aware of the trials and tribulations involved in getting your kid to eat his fruits and veggies. Fresh fruits are full of nutrients necessary for your child’s growth, and a smart way to persuade your kids to consume it is by juicing them! Yes a glass of organic fruit juice that looks vibrant enough to tempt the child but is high on nutrition as well. Mentioned below are some healthy and scrumptious juicing recipes for kids:

How are fruit juices beneficial?

A pretty convenient and quick breakfast fix, fruit juices keep your child energised all day long. It contains all the vitamins and minerals to fulfil the nutritional need of their developing bodies. But before we move on to the recipes, let’s take a look at the dos and don’ts of juicing.

• Babies should solely depend on the other’s milk for nutrition. Avoid giving them fruit juices

• For children aged 2 to 12 years, it is recommended that you dilute the juice (with water) and give it to them in limited quantities

• Start out slow and then gradually increase their nutrient intake, don’t worry though, fruits juices are absolutely safe

• It is best that you get a Juicer and prepare the juice yourself rather than get store bough juice boxes laden with artificial colours and preservatives,

• Incorporate green veggies such as spinach, kale, beets into the juice but in very small proportions. Such strong juices are better suited for adults

• Don’t stick to just one particular fruit introduce your child to a variety of fruit juices.

The recipes

Juicing is a great way to get your child to eat his fruits and veggies. Given below are some juicing recipes especially designed for kids and approved by kids.

Apple and orange juice

When it comes to kids, apples and oranges are among the traditional favourites. The naturally sweet tastes of the apples combined with the slightly tangy oranges are a hit among children! Apples are rich in antioxidants that flush out the toxic wastes, while oranges are replete with vitamin C that boosts immunity and strengthens the body. You would need:

• 2 apples (or carrots)

• 2 oranges

Juice the apples in an electric juicer then mix some hand squeezed orange juice with it. You can even add 2 carrots in place of the apples to add a little variety.

Carrot pear and orange juice

Naturally vibrant and slightly sweet, carrots are among the best loved vegetables among kids. And the fact that it is packed with nutrients makes it a hit among parents as well! Rich in vitamin A and other minerals, carrots are good for the eyes and immunity. Also pears and oranges contain many minerals necessary for growth. You would need:

• 2 carrots

• 1 pear

• 1 orange

Juice the carrots and pear in an electric juicer and orange in a hand one, as most conventional juicers don’t support citrus fruits. Mix the two and serve it fresh.

Mango pineapple and kale juice

Mango is one fruit that every kid loves! Rich in glucose and carbohydrates, mango pulp is a great ingredient for smoothies and fruit juices. Also pineapple only enhances the nutritional value and taste of the juice. Balance this sweetness by adding a bit of kale into the mixture. Full of vitamins A, C and K, kale takes care of the health factor. You would need:

• 1 mango

• A cup of fresh chopped pineapple

• A cup of freshly chopped kale leaves (approx. 3 to 4)

Juice the pineapple pieces and chopped kale leaves in a juicer then add mango pulp to it, ensure that you juice the kale first.

fruitcupTomato carrot and apple juice

Once your child is accustomed to juices, gradually start increasing the health quotient of the juice. The trick is to add some vegetables and balance it with the sweetness of the fruit. Tomato and carrot are well loved veggies among kids; add to that some apples and you’ve got yourself a winner! But to keep things healthy, you can also mix a bit of spinach to the mixture. Rich in vitamins and minerals, spinach purifies the blood and strengthens muscles. You would need:

• 2 carrots

• 1 apple

• 1 tomato

• A cup of freshly chopped spinach leaves

Juice all the ingredients, starting with the spinach, mix it all up and serve fresh. Your kid will love it!

Beet apple spinach juice

Easy on the eyes, the vibrant red of the beet combined with the sweetness of the apple and health of spinach gives you a wholesome energy drink. You would need:

• 1 apple

• 1 medium size peeled

• A cup of chopped spinach

Juice all the ingredients, mix it and serve fresh!

Snoring Problem In Kids And Effective Steps To Overcome Them

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By Dan Reid

kidsIs your kid a noisy sleeper? Snoring is a pretty common problem that can happen to anyone- young or old, usually caused by blockages in the nasal passage. But oftentimes the seemingly harmless light snores can lead to some serious medical consequences. So if your child is suffering from any such sleeping disorder, it is time you consult a doctor.

Good food and a good night’s sleep is the secret to a happy and healthy life. And proper rest is all the more necessary for kids to regain their energy after a hectic day full of activity. Persistent snoring in children might be a symptom of sleep apnoea or worse. Mentioned below are some simple remedies you can try at home to curb your child’s snores:

Why do kids snore?

Listed below are some common reasons behind snoring in kids:

• Common cold, allergies and nose blockages

• Swollen tonsils or adenoids

• A crooked septum (i.e. the tissue and cartilage present in between the nostrils)

• Obesity (the throat muscles and tongue close down upon the air passage)

• Down Syndrome (i.e. the slopping chin might result in blockage)

The threats of sleep apnoea:

Occasional light snoring is pretty common among children but if the problem persists then it might be something serious. Some symptoms and threats presented by sleeping disorders are:

• Risk of strokes and heart attacks

• Morning crankiness and lack of concentration

• Swollen puffy eyes, headaches

• Restricted body growth

Snoring solutions:

Constant headaches, dark circles and daytime fatigue are among the most common symptoms of sleeping disorders. If your child shows any such signs such as irritable behaviour, hyperactivity or has trouble concentrating consult his paediatrician. You can even try out these simple solutions to help your child sleep better:

Nasal spray and strips:

A major cause behind those restless nights is troubled breathing, allergies, common cold or other infections often result in mucous accumulation in the inner linings of the nasal passage, leading to blockages. Nasal sprays and vaporizers are among the easiest options to overcome this problem. Available in almost every medical store, nasal sprays contain medicated liquid that clears the mucous linings in the nose. Spraying a cool misty vapour inside the nose opens up the air way helping your child rest better. Also nasal strips that look pretty much like a bandage enhance breathing as the miniscule plastic protruding clears the nose.

Correct sleeping position:

How your child is sleeping also determines the quality of sleep he gets. Sleeping in uncomfortable positions not only results in painful sprains but might also cause a stuffy nose. Sleeping on the back can trigger snoring as the throat muscles close down restricting the air flow. Try rolling your kid gently to his side at night, if that doesn’t work you can even add extra pillows under his head, elevating his head a bit higher assists in breathing. A bit of an inclination opens up the nasal passage thus reducing snoring.

groupkidswbgAir purifiers and dehumidifiers:

Oftentimes allergies are triggered by the invisible dust particles hovering about the house that stick in the air and tickle the nostrils. But no matter how vigorously you clean, these miniscule particles remain. Installing air purifiers in the central air conditioning system is a smart way to overcome this issue. Air purifiers and filters suck out the microscopic bacteria and dust particles leaving the air pure and fresh. Also consider installing dehumidifiers in your house if you are living in a hot and dry climatic zone. It balances the moisture content in the air helping you sleep better at night.

Some lifestyle changes:

A major cause behind sleeping disorders can be the irregular lifestyle and obesity. As a parent ensure that your kid goes to bed early and lives a routine life. Fixed sleeping hours help mould the body clock accordingly leaving you refreshed the next morning. Also monitor your child’s diet and daily activity. Obesity is a major problem among kids that if ignores can grow into something even serious. Add fresh fruits and veggies to his meals and try limiting the junk food intake. The fat accumulation in the throat restricts the breathing passage and

Comfortable and peaceful surroundings:

Some other small but significant changes that can be made are:

• Paint the kid’s bedroom in light soothing colours
• Keep the windows open at night to allow fresh air
• Ensure that the mattress and pillows are soft and comfortable
• Dust the bedroom regularly
• Regular clinical check-ups and visits to the doctor

The bottom line

Watching your child suffer is perhaps the worst thing you’d have to endure as a parent. Spare your children from the discomfort of restless nights follow these above mentioned tips to curb snoring problems in your kid.

How To Teach Kids To Exercise

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By Dhmhtrhs Papadopoulos

kidsjumpingIt’s one thing to keep yourself fit – but keeping others in good shape is an entirely different kettle of fish. You already know the ins and outs of your body quite literally like the back of your hand. You know what you like to eat, what quantity of food will lead you to put on weight, and how much exercise you need to keep yourself energised.

But everybody and everybody is different. Some are fat and need to control their diets, others are too thin and need to bulk up if they want to reach their fullest fitness potential. And the vast majority of us barely know how to look after our own bodies.

Evidence of this is the sheer number of people who shovel food down their gullets without consideration for the long-term damage they’re doing to their body. And training kids to stay fit is an even more mammoth task.

Think of the number or kids who’ll avoid broccoli and love nothing more than sitting in front of the telly all day.

And trying to motivate a lazy child is like getting blood from a stone. Give them too much leeway and they’ll plop back down on the settee and gain more weight than Johnny Vegas on a burger binge.

So you’ll have to come up with a few tricks to keep your kids feeling fit and healthy. That’s why we’ve come up with a few tips to help you out. Take a look.

Get a course

Training your kids up doesn’t require military style strictness, but it does require communication skills and applied knowledge to get the most from your little sprogs.

Personal training courses are available online and can give you the information you need to train kids and adults alike, and make sure they stay healthy. Choose the right one and you’ll enjoy nutritional information, in-depth exercise regimes and motivation techniques to get your kids off the sofa and fighting fit.

Study for long enough and you could even graduate to a professional level.

Use the carrot

Kids are, let’s face it, selfish little blighters. They need to know that they’ll receive some kind of benefit from their actions, some kind of reward. It’s the reason why you struggle to get your child to eat their greens without coercion. They don’t see the benefit.

So put a carrot on that exercising stick to keep your kids healthy. Promise them something they’ll enjoy if they do some exercise, like getting an hour of iPad time after going running.

Above all, make exercising fun. Without a sense of joy in your routines, your kids will become the type of person who doesn’t understand what goodness their body needs.

Surprise Your Kids Or Grand Kids With This Perfect Gift

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By Joel Zimmerman

grandparentchildWhile not many people think of life insurance as fundamental, it is necessary if you want to protect your family, business, legacy, and other valuable assets. With the increased uncertainty of life, think about the future of your family when you exit the stage. After all, it lasts forever, as long as you pay the regular premiums promptly. Consider it as a gift to your dependants. They will forever be grateful to you for minding their financial security.

Invest in it as a gift

The next time you think of gifting your children and grandchildren, consider giving them a life insurance policy. Perhaps the biggest advantage is the fact that you can choose the method of paying premiums to your insurance company.

In fact, you can also invest in a policy where your children are the life assured. The following are the most common advantages that you will enjoy. Make the most use of them while they last.

• It can last a lifetime – take advantage of protection that lasts as long as you live. Should you suffer a disability or pass on, your child gains a head start on his financial life.

• It won’t wear out or fall apart – as you cannot be sure of the shelf life of material wealth, purchasing a policy assures you that the asset will live for years to come.

• It has accumulation potential – while most material assets lose value as the years go, the value of a life insurance policy actually accumulates as long as you pay premiums.

• There are tax advantages – most cash values from these policies are tax deferred under the current law. This also applies to borrowed cash values.

• Premium rates may never be lower – as your age increases, so do the regular insurance premiums. Therefore, lock the amount of your premiums at your current age.

• Future insurability – when you grow older, the possibility of companies to insure you goes lower as companies deem older people and those with diseases as risky to insure.

Factors that can affect your life insurance

Even from the life insurance definition, a number of factors determine your quote. While some of these are beyond your control, your lifestyle can influence others. Most companies that provide insurance are very thorough and meticulous when examining these factors. This is because they do not want to take risks that will cost them money.

1. Age – the earlier you obtain an insurance policy, the better for you and your dependants. Companies will underwrite you faster if you are young unlike when you grow older.

2. Gender – statistics show that women generally live longer than men. This means they are more insurable than their male counterparts.

3. Smoking – people who smoke are a red flag for most insurance companies. This is because smoking increases your chances to suffer diseases such as lung cancer.

grandparents4. Health – keep good health to purchase a favorable policy. Companies usually examine your cholesterol, blood pressure, weight, height and other metrics.

5. Lifestyle – if you actively engage in risky activity such as extreme sports, companies deem you more risky to insure. Therefore, make your choices wisely.

6. Family Medical History – the quality of your genes is one factor that you cannot control. If your parents suffered a certain serious condition, you may obtain insurance at a high cost.

7. Driving Record – insurance companies will access your driving records from the Department of Motor Vehicles. If you have had many accidents, they deem you risky to insure.

8. The Bottom Line – before applying for a life insurance, examine these factors and try to correct them if possible. This can guarantee you a more favourable policy.

Evidently, investing in one or more life insurance types is a sure way of protecting your family against the uncertainties of this life. Additionally, it is a great way for you to invest and do retirement planning. Instead of procrastinating, purchase a policy today and take advantage of the tax benefits of life insurance.

– Joel Zimmerman is an experienced financial advisor and his areas of specialization include retirement planning and risk management. When Joel is not working with clients, he is busy creating informative blogs and whitepapers. Follow this financial whiz @life_centra. You can also check out his fiscal blogs and videos on LifeCentra.

Get Your Kids Hooked On Cycling

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By Haley Hobart

momdaugtherbikeCycling is great way to encourage your kids to become more active and live a healthier lifestyle. Tearing them away from their smart phone or the latest video game can often be challenging but cycling is great fun with endless health benefits. We’ve put together this guide explaining the advantages of cycling with some simple tips to get started.

Why cycle

Cycling is a popular form of cardiovascular exercise which can prevent heart complications in the future and reduce the likelihood of obesity. This low impact workout is gentle on the joints with a low chance of injury compared to other, more intense sports. It also increases the metabolism and burns calories, long after the ride is over.

Motor skills are improved as the body carries out the task of peddling and steering simultaneously whilst using body weight. This can improve co-ordination, a transferable skill which can improve sporting ability and day-to-day tasks. Studies have also linked cycling with improved mental health which may be a result of a healthier lifestyle combined with the fun that comes from exploring nature on two wheels. Still not convinced? It’s also great for the immune system which means less chance of picking up those nasty flu bugs and less time off school.

How to get started

Always do plenty of research before buying your kids bikes. There’s plenty of options to choose from but it doesn’t have to be stressful. Be sure to choose a bike which is appropriate for the terrain. One which includes off-road suspension and a titanium frame won’t be necessary for everyday use and will cost a hefty amount. Instead, choose a mid-way option which includes front suspension. Don’t be tempted by the cheap options which are often unreliable and can be more costly in the long term.

Once they’ve got their bike, you can encourage your kids to plan routes or little adventures. You can also find cycling routes online and there’s many dedicated groups catering for families and children which meet weekly. Here they can make new friends and enjoy the safety of a larger group.

Bike safety

Keeping your children safe on a bike is simple and only requires a few precautions. Firstly, be sure to choose an appropriate size bike which your child feels fully in control of. If they’re still in the learning stage, they must be able to place both feet on the floor which should avoid any nasty falls.

familybikeridetogetherHelmets are essential, whilst knee and elbow pads are an optional extra. These can provide added peace of mind for off road cycling. Purchasing hi-visibility clothing, lights and reflectors for evening bike rides is also a must. Finally, there’s plenty of certified training courses testing cycling proficiency, highlighting the dangers of traffic and the importance of safe riding on the road. This can be a great introduction for your children, developing a skill which will keep them safe for years to come.

Cycling is an exercise that your children will love and if you’re lucky they’ll spend less time on social media and slouched in front of the TV.

– Haley Hobart has been a mom and a writer for 10 years and frequently contributes to mommy sites and DIY sites with her expertise. She lives in London with her partner and kids of three.