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Short Guide To A Happy Life

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1. Interact with your kid, play with him (her), and make him feel loved - Scientists observed that babies who were not cuddled, played with and loved have stunted brain growth. They also observed that babies who were not held and did not receive attention failed to grow, became depressed, and eventually died. On the other hand, many studies have shown that hugging, interacting and playing with your child has a strong effect on developing his intelligence. The loving connection formed between you and your kid and your one-on-one interaction with him provide the foundation for his higher thinking skills.



2. Talk to your kid - This develops your child's strong language skills. Also, listen to your child when he's talking. This reinforces his effort to communicate and develops his facility for language.

3. Read books to your kid - Start reading to him even if he does not understand the words. This gives him a head start in developing language skills. Kids who are read to when young are more likely to develop a lifelong interest in reading, do well in school, and succeed in adult life. Reading books is one of the most important activities that make kids smart.

4. Let your kid play - When your kid plays, he is creating the foundation for his intellectual, social, physical and emotional skills. When he plays with other kids, he learns to combine ideas, impressions and feelings with other kids? experiences and opinions.

5. Encourage your kid to exercise - Physical exercise does not only make your kid strong, but it also makes your kid smart! Exercise increases the flow of blood to the brain and builds new brain cells. Exercise is good for adults' mental sharpness, but it has a more long-lasting effect on your kid's still developing brain.

6. Make music a part of your kid's life ? Studies have shown that listening to music can boost memory, attention, motivation and learning. It can also lower stress that is destructive to your kid's brain. Learning to play a musical instrument has an effect on the brain's proportional thinking and spatial temporal reasoning that lay the foundation for abstract math.

7. Let your kid see you doing smart things - Kids learn by modeling adult's behavior. If he sees you engaged in reading books, writing, making music, or doing creative things, he will imitate you, and in the process make himself smart.

8. Limit your kid's TV viewing - Your child should not be watching TV before age 2. Letting your kid watch too much TV takes him away from doing activities that are more important to his developing brain, like playing, socializing and reading books.

9. Give your kid smart computer games - The best kid-friendly computer games teach your kid about letters, math, music, phonics and many others. It also develops his hand-eye coordination and prepares him for tomorrow's technology. More importantly, he learns these while he plays. Learning and having fun at the same time is the best way for your kid to learn.

10. Feed your kid right - Giving the right food is important to raise a smart kid. A protein-rich diet (egg, fish, meat) improves his attention, alertness, and thinking. Carbohydrates give his brain the fuel that is used in thinking. The best ones are those that come from whole grain and fruits. Processed carbohydrates and sugar have bad effects on attention span, focusing ability, and activity level. Vitamins and minerals are also important.
Short Guide To A Happy Life
Most people thinking about their future always would like to think about availing of some attractive financial products that will effectively be able to provide additional income for them as well as their families especially at the time of their retirement. This will take some time to consider most especially in trying to choose which will provide the best option depending on one's situation or circumstances. Among the products available out there are a host of annuities.

For your information, an annuity is simply an agreement for an organization (an insurance company) to pay another an income stream in the form of regular payments in exchange for investment given in the form of premiums. There are various types of annuities that people can choose from. One of those choices is fixed annuity.

In a fixed annuity, an individual receives a fixed and guaranteed regular income for the term of the agreed contract. This term usually covers the duration of the individual's life. Fixed annuities also provide a guaranteed interest rate for the investment sum of the policy. The advantage of a fixed annuity contract is that it has a cash surrender value which can be availed in partial amounts or in its entirety before or during the annuity period.

In a fixed tax-deferred annuity, the individual is allowed to invest in a annuity with an accumulation period wherein taxes on earnings are deferred or delayed until a certain term. The advantage of this is that it allows your investment to grow faster because it earns an interest on the money that you would have otherwise pay to taxes every year. The individual benefits from compounding of the tax-deferred earnings, that is, until he makes a withdrawal or begins receiving his annuity income.

Fixed tax-deferred annuities are safe as investment income especially for people planning for their retirement. Every qualified life insurance company issuing such tax-deferred income investment instruments are required to meet its contractual obligations. This is made possible by companies establishing reserves that should be equal to the withdrawal value of every annuity policy at all times. Aside from the reserves, the insurance companies are legally obligated by state law that certain levels of capital and surplus be met in order to further increase the protection of the policy holders.

As an added benefit to fixed tax-deferred annuities, they are not subject to withholding taxes while they are compounding. This makes such policies the best option for those people planning to save money for a long period of time. The longer the investment stays without any withdrawals or income payouts made, the longer the growth and the higher the earnings that it will make for the policy holder due to the tax deferment.

What makes tax-deferred annuities attractive is that they do not mature like other instruments such as bonds and certificates of deposit. The principal as well as the interest of your annuity policy will continue to earn interest until you finally withdraw an amount from it or if one reaches the age of a hundred years. You can let your money grow even more if you let it. But what makes tax-deferred annuities even better is that you will always have that option available to make necessary withdrawals or begin receiving your annuity income at any time.
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About Author
Both Smartmom & Charles Mandolson are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Smartmom has sinced written about articles on various topics from Keyboard Synthesizer, Parenting. Details for this guide can be found at . Smartmom's top article generates over 1300 views. to your Favourites.

Charles Mandolson has sinced written about articles on various topics from Parenting. Charles Mandolson specializes in annuities and is a contributing writer for , a website where you can find more information about. Charles Mandolson's top article generates over 1300 views. to your Favourites.
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