When Kids Make Money It Can Help A Family

There are many ways that having extra money in a family unit can help. When kids make money of their own, they can purchase their own expenses and pay for the items that they want. Parents who allow their offspring to earn funds on their own, will encourage independence and healthy financial ideas. Adults can help their children manage their funds and help it grow.

Some older kids and teens desire some expensive items. They may want a pair of sneakers that cost a lot or an outfit. Asking parents frequently for expensive items can result in a lot of negative replies. As children age, they can find ways to create their own sense of funds. Chores can be created fro the child to engage in. These tasks could result in payment from the parents.

The list could be placed on a fridge or in a spot that is well seen by the child. As the child wants to make some extra money, they can look on the list and pick tasks from it. The amount that will be given could be placed beside the task.

A job does not have to stay within the limits of the house. There may be lots of seasonal work that could be performed outside in the yard. Not only are these jobs useful for a family but also very helpful. The tasks could also be extended out to neighbors and friends, where shoveling snow and removing leaves off the lawn could be done.

Some people will take part in babysitting on the weekends or in the evenings. These jobs could be frequent or done as needed to earn some extra funds. A person may become popular with their neighbors and be able to make lots of extra cash for the purchases that they need.

Teaching children that kids make money to pay for their own expenses, can show them many valuable tools. It may assist them with their saving and spending habits. It also shows them that working for the funds earned can be a very rewarding experience.

By Vincent Cerally

Article Source: http://EzineArticles.com/5669570

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The Four Money Quadrants: Teaching Kids Good Money Habits They Can Live With

As Teachers, Parents, Grandparents, Godparents, Friends, etc. it is our job to teach children good financial habits as early as possible by demonstrating to them how to properly distribute their money. After all, children are our future. The lesson here is to teach your child not to live their lives from check to check or above their means, but to live in a happy balance. By getting your child into the habit of dividing his money into four specific categories (Spend, Save, Donate and Invest), he will grow up to be more responsible with his finances, thus, possibly not being affected adversely by any bad economic times.

The trick is getting the percentages right. Some good numbers to shoot for in adulthood is Spend 70%, Save 10%, Give 10% and Invest 10%. For younger children the Spend percentage should be much lower whereas the Invest percentage should be much higher - of course it will be different based on the individual!

Spend: Teach your child to spend a percentage of their money. Do not teach your child to be a miser with their money, for this can lead to negative associations with money. Teach him to celebrate his achievements and enjoy the fruits of his labor. Allowing your child to spend their money on anything they want with this portion of the money (within reason) can be a great self-confidence booster. As an adult this portion will be used for living expenses including the necessities like paying the mortgage, car payments, insurance premiums and buying food as well as for entertainment needs.

Save: Teach your child to save a percentage of their money for bigger ticket items that they cannot immediately buy like a digital camera, a laptop or even a car. This can teach the importance of goal setting and the virtues of patience and of delayed gratification. As an adult this portion would be your liquid money that may be called the "Emergency Fund", the "Rainy Day Fund" or even the "Saving up to finish the basement Fund". It is very important to have that extra savings on the side for any unexpected expenses as well as for any expected future expenses.

Donate: Encourage your child to give a percentage of the earned income to charity. Teach him the joy of giving back and helping others. Also, there is actually scientific proof that giving is good for your health. I don't claim to be a scientist, however, apparently when you give; you get a good feeling, and that is because endorphins are released in your body. This release of endorphins is supposed to be healthy. Besides the health benefit and the fact that it is the right thing to do, you will be bringing up a compassionate person that will not be "all about me." There is a great quote by Jim Rohn that states, "It's best to start the discipline of generosity when the amounts are small. It's easy to give ten cents out of a dollar; it's a little harder to give a hundred thousand out of a million."

Invest: Help your child invest a percentage of their money. There are only three factors to the "Wealth Equation": Money, Interest Rate and Time, where Time is the most important. And who potentially has the most Time? That's right, our children do, that's who! Teach your child to save for the future and have his money compound and work for him. A relatively insignificant amount of money invested over a long period of time can potentially grow into a very significant amount of money. Jeff Olson, author of The Slight Edge says on the topic of investing, "It's never too late to start. It's always too late to wait."

By teaching your child the four quadrants of money at an early age, not only will you be instilling the important habits needed for them to become successful in their finances, but for them to become successful in life.

By David Vogelsang

Article Source: http://EzineArticles.com/6710911

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Dental Braces for Healthy Teeth

Not just for kids and teens anymore, today, plenty of adults are taking that extra step and getting dental braces, too. Whether to correct longstanding dental concerns such as occlusions or to simply improve appearance, there are many improvements and advancements in dentistry and orthodontics today, making braces an option for anyone who needs them.

There are many new options available for people of any age to have their teeth corrected, giving them not only a beautiful smile, but also the health benefits that go along with straight teeth and a correct bite.

An Overview of Dental Braces

Orthodontic braces first and foremost correct crooked teeth, which is what most people think of when braces are mentioned. By pulling the teeth into more correct positions using brackets affixed to the teeth and wires that get tightened over time, it is possible to gradually ease teeth into new, more normal positions.

It does take a long time - sometimes years - but the lasting results are well worth it. Typically, braces are applied on teens and children since their teeth are still forming, but today there are braces available for anyone wishing to take care of dental concerns by straightening their teeth.

Not only do braces help improve someone's appearance, but they also correct a long list of dental problems that can be caused by having crooked teeth or a bad bite. Problems like premature enamel wear, excessive tooth decay in areas that cannot be reached to clean, occlusions, crowded teeth and jaw misalignment due to teeth and others can all be addressed over time with dental braces, which have been in use since the time of Hippocrates. Even the ancient Greeks knew that straight teeth were not only more beautiful, but promoted better health!

Dental Braces for Adults

Braces have a stereotype of being only for kids for a few reasons. Years ago, it was thought that it was only possible to improve the alignment of teeth and correct dental problems with braces while a person was younger and their teeth were still growing in and maturing. This has since been proven false, with the fact being that even mature teeth can be repositioned and bone growth can continue, helping to keep adjusted teeth in their more correct position.

Also, because of how bulky and ugly braces used to be, there were not many adults interested in wearing them. Considering a typical older person's day includes being at work much of the day, as well as dealing with many different people in a variety of personal and professional situations, braces were frequently deemed uncomfortable for the wearer, with most choosing to simply leave their teeth the way they were.

However, not only has it been found that it is completely possible to adjust adult teeth, the health benefits derived from correcting dental problems can make it worthwhile at any age. It may take longer for mature teeth to ease into their new positions requiring older people to wear their dental braces longer than younger people, but the benefits still outweigh the downsides.

This is especially so considering the great, new orthodontic products available today that can correct while the wearer - or anyone else - hardly even knows they are in place like clear braces, braces worn under the teeth instead of over them and snap-in retainers that can be worn certain times of the day and left off others.

Braces are More Affordable Than Ever Today

The price of braces from the past tended to be quite high in comparison to similar procedures today. This is yet one more reason why many adults have not dealt with their own dental concerns, especially if there were children in the family who needed braces, too. The good news is that despite the great improvements in orthodontics over the past two decades, the price of dental braces has not risen very much at all.

While there is a wide range of cost depending on the procedure and type of braces, orthodontics today can cost between $3,800 and $8,000 for most people. This is not that much of an increase when considering that 20 years ago dental braces could cost as much as $5,000 - which was a huge expense to most families!

Whether you have a child who may need braces, or you are an adult that has been told in the past that your dental issues could be taken care of with corrective orthodontics, this could be a great time to consider consulting with your dentist or orthodontist about getting dental braces.

Many dental insurance plans cover these procedures since they understand the potential risks of dental problems. Most dental office offer payment plans as well, to help everyone out there get the dental care they need. Add to that the fact that it no longer has to be embarrassing for an older person to wear braces and there is no better time than the present!

By James O Kirk

Article Source: http://EzineArticles.com/7969923

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Running Your Eyes Down This List of Healthy Pet Food Options

Listen to the following menu and try to believe if you can, that it doesn't belong in a Michelin-rated restaurant: roast beef, sushi, meat pie made of pheasant, raspberry compote and strawberry and mango yogurt. If you ever needed proof that pets in America had it better than their human masters, this would have to be it. America is quickly abandoning its traditional 20 pound bag of healthy pet food ordered from the pet store in favor of something a teeny bit more special.

Have you ever set foot in a place called the Global Pet Expo? You've been to Disneyland with your kids, haven't you? The Global Pet Expo would be the doggie equivalent. Take your pet here and prepare to believe how far entrepreneurs will go trying to help you spoil your dog rotten when there is $55 billion involved. You probably don't get to eat as well as they wish to feed your dog here.

But you mustn't think that high-priced healthy pet food is as far as the American pet industry is willing to go. You have the option of treating your pet at a pet psychiatrist, buying your pet a full fashion wardrobe every season, getting mouth freshener sprays to help keep your dog's teeth and mouth healthy, and, thanks to a company called Neuricles, you even get fake testicles that make your neutered dog look whole again. And while no parent would be willing to do something like this to their child, the pet industry calls pet owners, pparents?

The thing is, pet owners, or pet parents, rather, aren't usually very rich people that they would go to such extremes to pamper their pets. Quite often, they are lower middle class too and they struggle to make their car payments and their student loan payments like everyone else. They just cut into things they would buy for themselves and for their children to be able to pamper their pets like this. There are people who live on welfare who dote on their pets so much, they do without medicines themselves to be able to get blueberry pills for their pet (because, you know, the pills have antioxidants).

If you've been looking for an industry to invest in that could prove to be truly recession-resistant, the pet industry has to be your investment mecca. Certainly, during the recession, people did give up their pets at shelters when they could no longer afford them. And since homeownership went down, people no longer bought new pets as much as they did. But the pet industry did clearly go up during the recession - which is more than you can say for most industries. Did you ever wonder about how celebrities always go and put their name to a perfume and clothing line? That's so 20th century now. Celebrities have their own pet lines these days.

Healthy pet food brands like Blue Buffalo have been flying off the shelves lately even if they cost four dollars a pound. Royal Canin costs about twice that. And these companies have seen their stocks soaring. Is your dog really better off for all this attention though? Well, that would be a completely different question. Pet owners do believe it.

By Eli Rutledge

Article Source: http://EzineArticles.com/6358993

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Healthy Well-Being With Kids' Mini Trampolines

Would you like your kid not to jump on the bed or the furniture because that habit of theirs would definitely destroy it quickly? Luckily, there are kids' mini trampolines available for this habit that they enjoy doing so much. These are of course designed with safety features to take care of your kids while they jump their hearts out. Kids love running and jumping around the house because they have lots of energy. With kids' mini trampolines, you can give them a place where they could safely keep on jumping.

Kids' mini trampolines also help them exercise and let that huge amount of energy out. Manufacturers and retailers have different types of trampolines like baby, inflatable, water, outdoor, toddler, and bazoongi 48" bouncer trampolines. These devices are not just toys that are just used for jumping but are also used to let your kids develop strength in their legs. This is also found to be a great way to exercise. Of course, part of these types is the appropriate safety handles and guards to protect your kids while they jump.

Manufacturers and retailers have high quality materials and are required to meet Federal Safety Standards to produce top quality items. They offer different services such as modes of payment and shipping. These items are also easy to store because some of them may be folded and tucked away to your closet. Then if your child wants to use it, you may just grab them from your closet and set it up again easily. You should also pick the right kind of trampoline to buy for your child.

The type and price of these devices are taken into consideration by parents. It is also important to consider your kids' safety too. Parents value what kind of toys they are giving their kids and what their kids are asking from them. These trampolines also serve as gift ideas for a birthday or Christmas party. It's not only fun but are excellent for fitness use as well.

As a parent, when it comes to your kids' well-being should be particular about the toys you choose. You should ask yourself if it is safe and appropriate for your kids to have. It is also a good thing that many manufacturers and retailers understand this need which is why they are able to provide top quality products. Always remember that your kids' health and safety is a priority.

By Adam Hermann

Article Source: http://EzineArticles.com/5013366

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When Kids Make Money It Can Help A Family

There are many ways that having extra money in a family unit can help. When kids make money of their own, they can purchase their own expenses and pay for the items that they want. Parents who allow their offspring to earn funds on their own, will encourage independence and healthy financial ideas. Adults can help their children manage their funds and help it grow.

Some older kids and teens desire some expensive items. They may want a pair of sneakers that cost a lot or an outfit. Asking parents frequently for expensive items can result in a lot of negative replies. As children age, they can find ways to create their own sense of funds. Chores can be created fro the child to engage in. These tasks could result in payment from the parents.

The list could be placed on a fridge or in a spot that is well seen by the child. As the child wants to make some extra money, they can look on the list and pick tasks from it. The amount that will be given could be placed beside the task.

A job does not have to stay within the limits of the house. There may be lots of seasonal work that could be performed outside in the yard. Not only are these jobs useful for a family but also very helpful. The tasks could also be extended out to neighbors and friends, where shoveling snow and removing leaves off the lawn could be done.

Some people will take part in babysitting on the weekends or in the evenings. These jobs could be frequent or done as needed to earn some extra funds. A person may become popular with their neighbors and be able to make lots of extra cash for the purchases that they need.

Teaching children that kids make money to pay for their own expenses, can show them many valuable tools. It may assist them with their saving and spending habits. It also shows them that working for the funds earned can be a very rewarding experience.

By Vincent Cerally

Article Source: http://EzineArticles.com/5669570

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Teaching Your Kids to Be Financially Independent

Most kids look up to their parents to learn their lessons of life. At times, when parents are unavailable, children look up to their teachers as a source of their education. Today, since both mother and father have to work, they can devote little time for their kids. Lack of the attention from parents makes the job of teachers even more difficult. This problem is bigger when it comes to managing of finances.

It is important that parents follow healthy financial habits and are role models for their children. They should help their kids understand financial concepts that kids are not taught in schools. Here are a few simple tips that parents can follow to help kids in managing their finances.

a) Taking kids to grocery store will and making them calculate the total value of your bill will help them understand the expenses incurred. It will also help children understand the unit price of a commodity and the price they have to pay to buy a certain number of units.

b) Parents should make it a point to take the kids along when they go a bank. This will give kids an idea of how to transact with the bank when they grow up. There are many people who have good management degrees that find it difficult to deal with banks because they don't have prior experience.

c) Ask your kid to make payments for your taxes, power bills and insurance premiums. This will help the kids understand the expenses they are incurring and how can they take steps to reduce their expenses. For instance when kids pay utility bills they will understand their consumption pattern and will take steps to reduce their expenses.

d) You can also teach your kids how to invest in stocks. If your kids love pizzas, you can ask your kid to save money and invest in companies that sell pizzas. This will teach them to understand how stocks are priced and how to invest in specific stocks.

By Abhishek Choudhari

Article Source: http://EzineArticles.com/4218921

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Purchase Kids ATVs From Someone You Can Trust

You can get books on the Internet. You can get groceries delivered to your doorstep when you get home from work just with just a click of the mouse. Amazing, isn't it? But how about looking at something a little bit more expensive....like a kids' ATV? I don't know about you but it seems that apart from Nintendos, kids need to get outside and have some fun. Look around and you can see, more and more kids are catching on the trend of owning their own ATVs. It's fun, it's healthy and it's absolutely safe if you educate your kids about how ride their vehicles safely. And besides, if you purchase the kid's ATV from a reputable manufacturer, you're probably safe.

Now the problem is buying the ATV from someone you can trust. I don't recommend purchasing used kid's ATV for your child although it's perfectly fine for adult's ATVs. It's better to purchase a brand new quad for your kid. There are way too many unscrupulous people out there on the Internet with a little bit of knowledge in creating websites out to make a quick buck off of you and if you're not careful, you might fall into their cyber trap. Before you buy the ATV from a website, there are a couple of things to look at and it doesn't take a techno geek to check these stuff out - you don't need to hack passwords for this.

Before you whip out your credit card to purchase the kid's ATV of your choice, check to see if they have their contact information on their website. Never purchase an ATV from a website that does not give you either their telephone number or email address. Even with an email address, make sure someone actually responds with the right answers. There are many computer programs out there that can generate automatic replies - therefore, all these scam-masters have to do is to install the software in and you'll get a rather robotic reply from the computer. It's best that they have a phone number you can call, of course, but use common sense when you get replied from them.

Secondly, check to make sure that you are directed to a secure server when processing your payment. If you're directed to a secure server, there will usually be a 'locked' icon on the bottom right of your browser window.

If it's at all possible, if you find the right kid's ATV on the Internet and are wondering if they're conmen out to blow your bank account into smitterins, check with friends or log onto forums and ask around. It's a little time consuming but an ATV, although is not expensive, is not all that cheap either. It pays to be more cautious before purchasing the ATV for your kid.

By Tony Mikael

Article Source: http://EzineArticles.com/1021604

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Losing Weight the Healthy and Effective Way - Weight Loss Tips

I hated looking for healthy weight loss tips on the Internet with a passion!

Back in 6th grade, kids use to call me "Harbour". Long story short when I was in 6th grade I used to weigh as much a grown Harbour Porpoise which is around 132 lbs. yeah, I was a very big boy!

Well when I finally decided to become healthy and start losing weight I turned to our, sometimes good friend, the Internet. Looking for quality information of how to actually lose weight, that was actually useful was so freaking hard. I mean hours upon hours I sat in front of my computer running onto sites that all read...

"Unlock The Secrets of Losing Weight!"... "Lose Weight Fast, Easy, and in your sleep! "...

There was always a catch..

"All For 10 easy payments of $19.99" or some baloney like that.

Now I weigh 170 lbs. down from a whooping 240 lbs. yup, I became an even bigger boy!

I really don't want anyone who just wants to get healthy and finally become happy with themselves going through all that hassle. I want others who are just looking for some real, honest, and best of all actually free weight loss information to just have.

Not buy it.

That's why I'm writing this and that's why I made my website site, to help you accomplish your dreams of losing weight!

Okay so straight to the weight loss information you've been looking for.

Weight Loss Tips...
(These are actually some of the tips I used to lose weight).

Don't Use The Word "Diet". Every time I put myself on a "diet" I always failed because I would end up breaking it and gaining the weight back again. Why? The reason diets don't work is because your depriving yourself. Once you deprive yourself of something don't you crave for it like crazy?
Have A Cheat Day. No that doesn't mean cheat on your significant other! Nope, it means one day out the week eat everything and anything that you want. Why? That way you're not depriving yourself of what you love to eat. Which means your not craving for it because you know you can have that piece of pie on Friday or which ever day you choose. So eat "good" for the week then for one day, YOU FEAST!
Write It Out. Write down everything you eat, what you're feeling, write down how much you weighed on day one compared to day, say seven. Why? Just start writing things down, it will help you track your progress, give you motivation to keep going, and will allow you to make adjustments if need. Adjustment on the types of food you're eating, supplements, etc
Drink Water. Water is one of the most vital things you need to start losing weight. Why? Drinking water will give you a boost in energy to help you run that extra mile. Which in-turn will help you burn more calories.
Eat More Spicy Food. Eating spicy food can increase your metabolism. So next time you cook take it up a notch! Add a little hot chili pepper or some hot sauce, basically anything spicy. Why? Eating spicy food earlier in the day has been shown to lower appetite.
Portions. Watch your portions. Why? Having too much of anything is bad for you. A good measurement that I used was using the 'Handful Method'. If it looked like a handful then that was a good portion. A "handful" of mashed potatoes, almonds, etc.
Chew Gum. Yup, chewing gum is on the weight loss tips list because it has been shown to burn more calories. Why? Chewing gum "tricks" your body into thinking that your eating which means it'll start up your metabolism. You shouldn't just chew gum all day though. You should still eat every few hours.
Sleep. Not sleeping the full 6-8 hours a night isn't going to help you very much on your weight loss goals. I have to say getting a full nights rest is a very important tip to lose weight. Why? Sleeping allows your body to recover from your daily exercises. Not letting the body recover will only slow you down from reaching your goals.
Take Pictures. At first you will see little to no changes in your body, but after you start noticing your love handles to disappear then you will stop at nothing to reach the finish line. Why? Say cheese!! Taking pictures of yourself everyday or every time you weigh-in will further motivate you to keep going.
Set Time Frames. For example, if you started your weight loss journey on Jan. 1. 2010, have your achievement date on Feb. 1. 2010. In that time frame your goal is to say lose 10 lbs. Why? Setting time frames for yourself will keep you from slacking off.
Watch Your Salt. You need salt, it's needed for your body to work properly, but having too much can really affect your weight loss progress. Why? Salt makes you retain water so it'll make it seem like you haven't lost anything, but in reality you have lost some weight. So cut down on the sodium.
Please Eat Breakfast. Breakfast is the most important meal of the day. Eating breakfast determines how you will eat throughout the day. Why? If you skip it you're most likely going to snack on food that you will regret next time you step on the scale. If you have a big, healthy breakfast then you're most likely going to stick to your meal plan.
Try To Eat Every 2-3 Hours. Eating every 2-3 hours will keep your metabolism burning so try snacking on some healthy food every couple of hours. Why? I used to eat almonds and fruit every couple hours. So I was never hungry and my metabolism was on burning mode.
Aim For 1-2 Lbs. A Week. Losing 1-2 lbs. a week is a very reasonable goal. It's realistic, it's attainable, and its a healthy weight loss. Why? Losing more can actually put your body into "starvation mode". Meaning that your body thinks that there's a "shortage" of food so it will keep you from losing more weight.
Don't Skip Meals. This has the same concept as in weight loss tip #9. Why? Your body will think there's a "shortage" of food so it will hang on to the fat in your body, just in case the "shortage" gets worst. So skipping meals actually does the opposite of what we want, which is to lose the unwanted weight.

By Warren Vinluan

Article Source: http://EzineArticles.com/4460596

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Fiji Kids Clubs

Shangri-La's Fijian Resort

Shangri-La's Little Chiefs Club is for children aged between 4 and 12 years old. The club is free for guests. Children aged under 4 need a babysitter or parent. There are different activities arranged each day based on two age groups 4-8 year olds and 9-12 year olds. Activities take place at the kids club or at the children's pool, on the beach or at the children's playground. The Little Chiefs Club is open every day from 9am to 12noon and 1pm to 5pm.

Plantation Island

Plantation Island has the 'Coconut Club', a free kids club for guests. When you first visit the club you get a free t-shirt which the kids get to decorate. The club is for kids aged 4 to 11 with kids under 4 requiring a babysitter or parent to attend. The club is open daily from 9am to 1pm, 2pm to 5pm and 6.30pm till 9pm. The kids club room has a ball pit, jumping castle and TV and the activities features a mixture of traditional games combined with Fijian cultural activities.

Castaway Island

The Castaway Kids Club includes supervised daily adventures and educational games with a Fijian flavour. The club is for kids aged 3 years and over and is open from 9am to 4 pm and 5.30 to 9pm daily. The club is free for guests.

Mana Island

Mana's Tu Vonu Kids Club is for kids aged 3-12 years. There is a one-off payment of F$25 per child per stay for registration and includes some souvenir gifts as a reminder of the stay. The club is open from 10 am till 12 noon, 2pm to 4pm and 7pm to 9pm daily.

Malolo Island

Malolo's Tai's Treehouse kids club is for kids 4-12 year old. The club is free for guests and has plenty of equipment and games with a fully fenced playground. Kids under 4 require a babysitter. Malolo has introduced a new kids activities program which will immerse them in a fun, innovative and educational way into island life and will include a focus on the environment, the culture and the history of Malolo Island and Fiji in general.

Out rigger Resort

Out rigger has the Little Riggers program for 3 - 7 years and the Beach Riggers program for 8 - 12 years. The activities run daily from 10am to 12 noon, 2pm to 4pm and 7pm to 9pm. Kids club activities are free for guests. Out rigger also offers a nanny service for children 6 months to 12 years. A teenager activity program is also available and includes hiking activities, spear making and trips to local attractions (at a small cost).

The Naviti Resort

The Naviti's Ratu & Adi Vonu kids club is for 5-12 year olds. The club is open most of the day from 9am to 10pm and is free for resort guests. The kids club has a play area for the kids as well as a daily activities program and night time activities. Children under 5 are welcome if they are accompanied by a babysitter or parent.

The Warwick Resort

The Warwick KARE club is open for children between the ages of 3 and 11 years. There are plenty of activities to keep the kids occupied however there is a charge of F$5 per child per day. The club is open daily from 9am to 12 noon and from 1.30pm until 4pm.

Hideaway Resort

The Hermit Crab Kids Club is suitable for children 5 - 12 years and is free of charge. Babysitting is available for children aged 1 - 4 years. There are a number of activities including some traditional Fijian activities.

Radisson Blu Resort

The Pirate's Cove Kid's Club is available for kids ages 4 to 12. There are three sessions daily from 9.00am - 1.00pm, 1.00pm - 5.00pm and 5.00pm - 8.30pm. The club is not free and expect to pay up to F$10 per child per session.

Sheraton Fiji Resort

Sheratons Lai Lai kids club to offers a comprehensive daily program ranging from Fijian Language Lessons to Fish Feeding and Face Painting, to name just a few. The club is free for guests aged 4-12 years and under 4's are welcome if accompanied by an adult. The club has day and night time sessions.

Jean-Michel Cousteau Fiji Resort

The Bula Club has two kids programs; the Lei Lei Bula Club for kids 0 to 5 years and the Marau Bula Club for kids 6 to 12 years. The Bula club is free for guests and features a daily program of activities that are fun, educational and cultural. The Bula club is available from 8am to 9pm daily. A feature of the club is a dedicated nanny (or buddy) who will look after your child for the day and the duration of your stay. The Bula club program also includes fresh, healthy meals and bottled soft drinks making it one of the most popular kids clubs in Fiji.

Treasure Island

The Treasure Island kids club has a large purpose-built bure featuring a host of fun activities and strategically located in the centre of the island. The Club's innovative program of activities is run by dedicated fully qualified staff and features activities that cater for all ages. The club is open to children aged 3 and over. The club is free for guests and has daily registration from 9.30 am, an afternoon session as well as a night session from 7pm till 9pm.

Sofitel Fiji Resort

The Turtle kids club is for kids aged 2-12 years old. The club is divided into three age groups, 0 to 3 years, 3 to 6 years and 6 to 12 years and features an indoor playground. The club is open daily from 9am to 9pm and a $30 charge per child per day applies.

Fiji Beach Resort & Spa Managed by Hilton

The Kids Club features a spacious outdoor play area and two indoor activity rooms. The club is open between 9am to 5pm daily for kids aged 3 - 12 years. Kids under 3 welcome if they are accompanied by a parent or nanny. The club has activities specifically designed for different age groups. The kids club is free for guests.

Intercontinental Fiji Golf Resort and Spa

The Planet Trekkers kids club is open to kids aged between 4 - 12 years. Kids under 4 need to be accompanied by a resort nanny. The club is open from 9.00am - 1.30pm, 2pm - 6pm & 6.30pm - 10.30pm. There is a charge of F$30 per child per session (there are 3 daily) which includes 1 meal.

By Pete Power

Article Source: http://EzineArticles.com/7533701

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Kids Club Fiji

Teaching Kids About Money For Life-Long Healthy Financial Habits

Kids catch onto the importance of money in life pretty quickly as they watch us use it. The way to show your child the value of a dollar is by teaching them the different ways a dollar is used.

Begin When They're Young

Begin explaining to your child how money works from a young age. It's important for kids to know you get money by earning it. Items (or services) in life are given in return for money, and the value or worth of that item varies according to the seller. If you do not have enough money, you can not purchase the item.

A follow-up to this is talking about saving money. A child with a couple dollars could go buy a piece of candy (that'll be gone in 10 seconds) or an inexpensive toy (that will be broken in 10 minutes or completely forgot about the next day). However, if that child decides to save those dollars, a better item can be purchased that may have more meaning and last longer.

Have A Savings Plan

One way to teach children about savings is setting a percentage they should save every time they earn money. Ten percent is an easy sum to learn; simply move the decimal point one space to the left. For every $1.00 earned, $0.10 will be saved ($23.48 earned, $2.34 saved).

This savings isn't for a better short-term item, but for a "rainy day" or even a car or college fund. The remaining $0.90 can be used for the candy or "better item" as mentioned above. This principle can teach the child self discipline for very long-term savings (i.e. a house or retirement when they're an adult).

Sure, a six-year-old won't understand the "rainy day" concept, and driving in ten years may be discouraging. But after saving 10% over the years, it'll add up. This teaching is especially helpful when they get their first job and are already in the habit of saving that 10% for long-term use.

You might also set aside a certain percentage for charitable giving, so kids can also learn about this important aspect of managing money.

As Your Child Grows

When your child is more mature, take him or her to the bank with you and open a line of savings in their (and your) name. Once or twice a month, take your child to the bank so they can deposit their money into their account. Let them see the bank statement and watch how their money is growing with the help of interest.

Interest is a huge part of using money. Either it'll make you pay more than what your item was originally worth (credit) or it can help you make more money. Teenagers need to understand that unless you can pay off that debt within 30 days, you'll actually be paying more for your purchased item.

One way to show how detrimental or great interest can be is by doing some role-play. Pick an item your teenager currently wants to purchase on a credit card. Make a chart showing how making only the minimum payment affects the total debt (you'll also need to explain APR), how long it takes to pay off the debt with minimum payments, and how much interest is paid in total.

On that same note, take the number of months it took to pay off the credit card and show how much interest he/she'd be making in a savings account while putting money away to save for that item. The amount of interest isn't much, but the point to make is if you save money to purchase the item, you will only pay that sum without the additional cost of interest.

When children understand how money works they'll (hopefully) be more inclined to use responsibility when making money decisions.

Laura Nelson-Smith is the resident editor of Career & Finance [http://schmoozins.com/category/career] at Schmoozins - an online magazine for women [http://www.schmoozins.com] that gives all women a voice. Join us as a contributor, schmoozer or just hang out a while.

By Laura Nelson-Smith

Article Source: http://EzineArticles.com/1811735

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Teaching Kids Financial Responsibility

Teaching Kids Healthy Money Habits

Face it: Your children have math homework, and social studies homework; your kids may even practice sports every day and not all of them will go on to be professional athletes. But, all of our children will grow up making spending and saving decisions every day. So, let's teach them some money skills today, give them opportunities to practice often and feel comfortable in their decision-making powers as they grow.

It's important for all of us to have a healthy relationship with money - that means learning not just to save, but also how, what and when to spend! When your child receives some money, either through an allowance, small jobs or holiday gifts, begin talking to them about splitting the amount up into SPEND and SAVE money. Kids as young as eight to ten years old can understand the concept of portioning out money between an amount to spend and an amount to save. Keep SPEND and SAVE money each in their own separate space - maybe SPEND money goes in a wallet or a purse that can go with the child, and SAVE money goes in a special envelope along with some special tools to keep track of it.

Teach Living Within Your Means

SPEND money is just as special as SAVE money and it's for everyday spending in a kid's life. When you help your child decide how to divide their money, talk about what types of things he likes to buy and how much each costs. This will help set expectations for all future shopping trips. If your son would like to buy some bubble gum or a new comic book every week with his money, make sure the amount he portions to his SPEND account is enough. Don't forget that although we might feel different right now, spending (within your means) can be as important a lesson as saving, so celebrate his spending money with a new tradition - maybe a special ride each week so that he can buy his own soft pretzel or book with his money.

Saving For a Big Day

SAVING money is a lesson many could benefit from, so starting to sow those seeds now with kids will provide a world of benefit later. The SAVE category is for larger items that your child wants, but are slightly beyond her means. Take a moment to talk with your daughter about what she would like to save for and how much it costs. Write down her goals on a piece of paper that lives with her SAVE money as well as how long she will have to continue to save at her current rate. Once again, this sets expectations and teaches several lessons at once, not the least of which is that sometimes you need to wait to purchase something you really want.

Saving is hard - make it easier by providing her with some of the same incentives that we have as adults. Just like we, as parents, invest our savings in a CD or mutual fund, expect to be paid interest. You can apply this same principle to the money your child saves. Tell her that you will pay interest at the end of each month on the amount that she saves. You can choose what this interest payment is. I pay my kids 1% at the end of each month because it's easy for both me and my kids to calculate, but many parents choose the "matching program" in which they tell their children to save half for a special purchase and then match it. Whatever program you develop, I can assure you it will surely improve your child's saving rate, and truly reinforce for your child the positive effects of saving.

Helpful Tips

There are many ways to split dollars between spend and save, but keep these things in mind:

Talk with your child about what kind of items he should SPEND on and how much money that would be.

If your child receives a regular allowance, make sure that your child chooses a spend amount (and spend items) that will last until the next allowance payment.

If money comes less regularly, like birthdays and holidays, plan a little bit in advance so that your child is not overwhelmed by a sudden influx of money. If the occasion is one where your child may receive a large amount of money (bar mitzvah or communion) discuss in advance what you and your child may want to do with the money. Some money may go into SPEND for some special items he's been waiting for, and some may go to SAVE for the future and some might even go into a college savings account!

By Beth D'Andrea

Article Source: http://EzineArticles.com/4323388

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Florida Healthy Kids Program - Helping Families Stay Healthy

The rise of children who are uninsured is rising in the state of Florida. This is why the Florida Healthy Kids program is now in effect. If your child is from age 5 to age 18, they could possibly be covered with this great program. Healthy Kids is not only for those families with low income, but for any family who is having a difficult time insuring the children in their family. To get started all you need to do is call them or go online to their website and fill out the application. From there you will be contacted by a representative within a few weeks and they will inform you of the assistance that the children of your family are eligible for.

With the Florida Healthy Kids program, there are multiple payment options. The first is for low income families who are approved for the no premium (amount paid to have insurance) option. This means that no money will be sent directly to the state for your child to maintain health insurance. However, you may have to pay some low cost fees (co-pay) when you visit the doctor or hospital. Another option is for families who can afford to pay fifteen or twenty dollars a month. Your representative will work with you on which of the two suits your family according to your income.

Finally, some families need their children covered with insurance, but their job will not cover it or it is too expensive to purchase from a private insurance company. The full-pay option may be suitable for you. With this selection you will pay a low premium to the Healthy Kids program on a monthly basis to maintain coverage. Both the partial pay and full pay options may have co-pays or fees charged for emergency services, surgery or other high cost medical needs, but the fee will be minimal compared to private insurance costs. No matter what payment plan you are accepted for, keep in mind that you must re-apply every year for the program. This is needed to make sure your child is still in need of the program and that your income level has not changed.

Overall, it is important to weigh out all of your options for health care for your child. With whatever choice you decide on, make sure that you are always paying your fess, you renew after the year and you do not move out of state. This is to ensure that your child's coverage does not lapse. Take time to review the Florida Healthy Kids program today.

By Luis Antonio Rosales

Article Source: http://EzineArticles.com/5067206

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Health Check NC Health Choice

Florida Healthy Kids Program - Every Kid Covered

The Florida Healthy Kids program provides health insurance coverage for children between the ages of 5 and 18. It is a program that is funded by the government and offers insurance coverage for a low as $15 - $20 a month. The premium is based on a family's income and size. There may also be some small fees or co-payments for some services. There are a variety of payment options that are low cost but provide full coverage, making the Florida Healthy Kids program available to all 5 to 8 year olds in the state of Florida.

To apply to the Florida Healthy Kids program, an online application needs to be completed. Enrollment can take place at any time of the year and the application is usually completed in about 4 to 6 weeks. The health insurance coverage will begin after the child's eligibility is determined and the first monthly payment has been received, if one is required. There are a few documents that are needed when applying, and they include the most recent tax return, or a Wage and Earning Statement, or 4 weeks' worth of the most current pay stubs. The child's social security number is also needed and one of a list of documents that prove the child's identity and citizenship.

When going through the application process, there are several different language options so that even those people that do not speak fluent English will be able to apply for health insurance coverage for their children. The online application is very easy to read with large, dark print and bit boxes to fill in the requested information. On the right side of the web page there are helpful hints and information for completing the application. At the end of each page of the application, there is the choice to save that page and continue filling out the application, or save that page and continue at another time. There are also telephone numbers provided at the very bottom of the page for those that need help and prefer to speak to a live person. TTY services are also available.

By Sean L Johnson

Article Source: http://EzineArticles.com/5067382

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Florida Healthy Kids Program - Great Benefits for Great Kids

Many times children are from the ages of five to eighteen are in need of health insurance, but their family cannot afford the traditional high cost of commercial health insurance providers. If you live in Florida, this is where the Florida Healthy Kids program can help you and your family. There are representatives that can help you choose a hospital, dentist and doctor for your child when you are accepted to use this program. If you are in need of medical assistance for your children and live in Florida, make sure you add this program to all of the options you may have.

If you are approved to be a member of the Florida Healthy Kids program, you will be able to have a low-cost, full-payment choice as well maybe coverage for as less as fifteen dollars a month. No matter what payment plan you are on, you can be confident when your child starts gymnastics or joins the football team that is an accident happens, you will be able to afford it and your child will have the best care available.

There are many different details that need to be known before applying for the Florida Healthy Kids program. First of all, you must apply. To this you can go online to their website or you can call them at their 888 number. Then, it will take about four to six weeks for them to process your application. After that, if you are accepted, you child (or children) will now be insured. This means that whatever medical and even dental expenses you might have like hospital stays, well-child visits, shots, vision services, dental coverage, mental health services and prescriptions will all be covered.

It is important to understand that your child is not given this insurance benefit automatically every year until he or she is eighteen years old. You must re-apply for the Florida Healthy Kids program every year. This is only to make sure that your child is not dually covered and that your income level has not changed. However, make note, if your household income is more than the amount for a partial pay or full pay plan from the state, you can always take the option of personally paying for the plan in full each month to have the great benefits included in this program. Once your child is nineteen, you move out of state, you do not pay your monthly premium or you do not renew the following year, he or she will no longer be insured by the state of Florida.

By Luis Antonio Rosales

Article Source: http://EzineArticles.com/5067226

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