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Ravali Reddy
Mom of a 8 m old boy
4 mins ago
#babyphotochallenge
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Rashmi has added a new answer
Guardian of 0 children
47 mins ago
Q. #asktheexperts what to give children when starting solids?
Rashmi
Mom of a 9 yr 8 m old girl
46 mins ago
A. After completing the time of six months you should start with dal water and rice water followed by all kind of fruits and vegetables porridge khichadi mash banana mash potato mash sweet potato dairy products and varieties made made out of ragi Suji and oats can also be given to your child
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How to Choose the Best Child Insurance Plan
Every parent hopes that the future of their child should be free of worries, primarily those pertaining to money. This is why many wish to choose the best child insurance plan that can take care of everything. However, every plan comes with certain benefits and risks. Understanding your own needs can help you make the right choice in this regard.
Why Should You Have A Child Insurance Plan?
Getting a good insurance plan, for your child has a good payoff in the long run. This is not simply as a protection mechanism in case of an untoward incident, but can also be looked at as an investment opportunity for the child’s benefit.
1. Spaced Out Investments for Child’s Future
The premium for a child’s insurance plan is minimal and can be spaced out over a large period to reduce the amount even further. An annual payment of a small amount can help create a corpus of sorts, which helps in investing an amount that grows and can be utilised by the child later in life.
2. Advanced Planning for A Child’s Wedding And Married Life
Even when your child grows up, gets educated and married, he would still require some support and an impetus to set up his new life. By taking an insurance plan that has the right period of maturity, you can find yourself with funds that can take care of the wedding as well as provide a good foundation for the couple’s life.
3. Protection for The Child after The Death of Parents
The major factor that comes into play is to ensure that the life of their child continues to be unhindered and proceed unabated without any dependencies on you. A proper insurance plan can help your child continue living and taking care of expenses even in your absence so that he can continue to live and move ahead in life.
4. Support for Higher Education With Financial Ease
While an education loan might help take care of higher studies abroad, having an insurance policy in place that matures at the right time, can help fill the remaining gap. This allows your child to study without any worries about family finances and create wonders.
5. A Total Package to A Secured Future
Rather than be caught unaware and helpless by unexpected hurdles in life, a bunch of insurance policies can help you stay secure no matter what the troubles might be. Even if they don’t, the maturity amounts can be put to better use, or a repeat investment for better protection as well.
Types of Child Insurance Plans
Many insurance companies offer child insurance plans, with various additions and tweaks to it to suit your needs. There are a few of them that are quite common based on the general needs of the people.
1. Child Endowment Plans
Your investments are put into multiple debt products based on the decisions made by the company. While the returns on such an investment are not big, there is guaranteed security for your money due to low risk.
2. Unit-Linked Investment Plans
It allows your investment to be divided among debt as well as equity products. The percentage of the amount is higher for the high-risk equity products, but that is precisely what gives you a higher return for your money, making it great for your child’s future.
3. Single Premium Insurance Plans
At times, some parents may not want to be stuck with an annual premium payment because they may not want to be under the pressure of remembering the dates or keeping aside money for the premiums. In such cases, a one-time major payment can be opted for as well, which might even get you discounts for the same benefits.
4. Regular Premium Insurance Plans
Parents often like to choose what benefits they would like for their child and might forego on others. This also provides them with a facility of not paying premiums annually, but monthly or even quarterly. These payment cycles are suitable for many as well as come with different benefits customised to the schedules.
Best Child Insurance Plan Riders
Riders act as additional benefits on the base insurance plan that you take, and these are highly recommended. There are a few great riders that should be opted for, but it is necessary to know that your choice of insurance plan may govern the riders that are available to you.
1. Income Benefit Rider
This is one of the highly recommended riders for your child’s insurance plan, especially if you have a fast-paced life. By opting for an additional premium amount, your child can get a specific percentage of the policy amount every month as income. This usually triggers if the parent passes away, meets with an accident, or is diagnosed with a critical illness.
2. Critical Illness Rider
Similar to the one mentioned above, if a parent is diagnosed with a high-risk illness or undergoes a specific medical procedure, the child can receive a specified amount from the rider. The premium for this depends on the age of the parent, amongst other factors.
3. Disability Benefit Rider
This rider usually comes in variants of partial to total disability of the parent. If the parent gets disabled either by an accident or a disease, the child receives a benefit of a large amount from the rider.
4. Accidental Death Rider
Death caused by accident may not always be covered by the insurance policy terms. Therefore, this rider helps your child remain safe and secure, as well as provide him with financial support in the event such a tragedy does occur.
5. Premium Waiver Rider
Even if your child receives a monetary benefit after your death, he still needs to pay the remaining premiums of his policy to prevent it from lapsing. This rider takes care of that, where any future premiums are waived if the parent were to pass away.
Tips to Select A Child Insurance Plan
Choosing a proper insurance plan for your child is not as easy as it seems once you go through all the possible scenarios. Therefore, when making a decision, it is best to keep a few tips in mind that can help you bring closer to choosing the right one.
1. Plan the Stages
Make sure the insurance plan you pick up has the premiums and period panned out to a specific milestone of your child’s growth. This helps you receive the financial benefit for major decisions of his life.
2. Paying Capabilities and Frequencies
Once a plan is in motion, the premiums need to be paid on time. These amounts also depend on the final maturity amount of the insurance cover. Know your financial standing and choose the amounts accordingly.
3. Waiver of Premium
The repetitive nature of premiums is what gets most parents worried if they can pay them on time and if their child would still be protected after their death. A waiver rider is an option to choose for. Also, going for a single premium plan could also be beneficial.
4. Estimate the Inflation
You might require a specific amount for a good life now, but that number is going to increase in future for a similar lifestyle. Make sure you take that into account when specifying a maturity amount for the insurance plan.
5. Start Early
Most companies create insurance plans for children in such a way that their benefits start paying out after a child becomes an adult legally. The later you begin, the higher the premium amount starts to get. Therefore, start young and start soon.
What Documents are Required for Child Insurance Plan?
The documents required for starting an insurance plan depending on the requirements as per the company policies as well as the coverage of the plan itself. Nevertheless, there are a few standard documents that are invariably required, no matter what.
Policy form- This is where all your proposal details and information is entered.
Proof of address- Anything from your passport, driving license, aadhar card, electricity bill can be used.
Proof of income- The person buying the policy for the child needs to show that he has a source of income to pay the premiums.
Proof of identity- PAN card, aadhar card, driving license, voter ID, are common identity proofs you can use.
Proof of age- A copy of the passport, birth certificate, or 10th and 12th mark sheets can be used for this.
Figuring out the best child health insurance plan is a subjective decision since requirements vary from family to family. Understand where you currently are and the future you are planning for your child, can help you pick the right plan for him.
Also Read: Important Tips for Financial Planning Read more
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Teaching your Child True Sportsmanship
A sporting attitude is necessary to promote healthy minds, healthy bodies, friendships and life skills which ensure a good life for the children. Being a true sportsman will give them the right attitude to deal with problems later in life.
Sports form an important part of preteens as it helps them stay active. While parents must always encourage their kids to partake in an organised structure of play, and support competitive behaviour, it is vital to instill an attitude of sportsmanship. It is important to teach them that playing is for fun and not for winning. The children should be taught that, winning or losing is not the main goal, but to participate and play in a team is more important for them. Also, there will be days when they will win and when they lose. They must not get disheartened, and must take it as a part of the activity. Children who do not exhibit sportsman like behaviour are more likely to deal poorly with other problems in life. They end up blaming someone or the other and in many cases their own self which leads to low self-esteem. On the contrary, a good sportsman will grow to become a good leader, team player and a confident person.
Helping Children Learn Good Sportsmanship
Children should be taught to have fair expectations from themselves. No lying, cheating, fraud and unfair means should be followed by any child to win or achieve success. Congratulating the winners is a sign of real strength and a child must learn this skill. Also, being a good loser is one of the most difficult thing to learn. Sports is a good way to teach children to accept defeat. Parents and coaches must help teach this skill.
A child should be taught to have a positive attitude towards other children. He should be taught never to criticize other players and mock them while at play.
Teach your child that he does not have to be the star player or the winner every time, it is okay to lose sometimes and have a setback. A person learns more from his setbacks than from his achievements because this way he realizes his strengths and weaknesses in the game.
Always praise the efforts put in by your child, irrespective of his winning or losing. At times, when he is feeling he has not performed well, teach him not to lose hope and work harder the next time.
When your child is acting inappropriately,explain him why his actions are unacceptable and how he should act. Make sure your expectations are consistent and strict. The child must be taught to listen to the advice of parents and coaches to have excellence in sports.
Teach him why it is not just about him but his entire team. Instill in him the spirit of teamwork so he learns to appreciate others’ efforts as well. This will help him a great deal to tackle problems that he might face as an adult.
The best thing about letting the child participate in a sport is that the child gets chance to experience emotional highs and lows in a controlled and friendly environment. Sports can give your child the chance to learn about being part of a team, winning well, bouncing back from a loss and coping up with unpleasant experiences such as injury or aggressive behavior. The most important thing a child learns is to enjoy the fun of participation and teamwork.
So adopt the right measures and help your child grow with real sportsmanship. This will not only help him during play but will also impact other aspects of his life in a positive manner. He will grow to become someone who is responsible for his actions and takes defeat at its face value. Read more
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A Working Mom's Guide to Dress Right
What with housework and the kids, it can be taxing for a working mom to addle her brain trying to put together office wear that's flattering. Knowing your body shape and learning how to dress for your body type can save time dressing up every morning and guarantee you look gorgeous!
We know you already know that being well-dressed for work is very rewarding! But where's the time? Preparing tiffins for your brood and husband in the morning - check! Getting the children and their bags ready for school - check! Getting the house cleaned quickly and doing the laundry - another check! Now, grab the first thing you see in your closet to get dressed for work. Is this the story of your life? Well, welcome to the working mom club!
How to Dress for Your Body Type
Want to know the secret to looking perfect at work? Favor your figure by discovering the art of hiding a less than flat tummy and trimming down those saddlebags. Learn how to dress professionally to highlight your best assets in respectable and stylish women's work-wear.
1. The Pear Shape
Also known as the 'A' frame, the triangle or the spoon shape, pear-shaped mommies have a pronounced lower body with generous hips. You have an enviably small waist and an upper body that needs to be played up. Add to your bust with printed tops, ruffled blouses, blousons and the like. Wear horizontal-striped shirts paired with flared A-line skirts and flared trousers that shave inches from your hips. You should also pick printed kurtis and A-line kurtas with embroidered yokes.
2. The Ruler Shape
You're a ruler-shaped mommy if you have a figure with the bust, waist and hips fairly equal. You make other mommies jealous with your lean and athletic body! The right dress for your body shape is one that can add more curves to your bust and hips. Go for stylish ruffled and pleated blouses cinched at the waist. You can team them with boot-cut pants, slightly flared trousers and A-line skirts.
3. The Hourglass Shape
This is the type of body shape that many mommies would give an arm for! Also, known as the 8 frame, you're an hourglass if your bust and hips are about the same and if your waist is significantly smaller. Lucky for you, you can wear just about anything. If you're buxom and would rather play down your assets, you can choose blouses that skim the curves and dark-coloured bottoms. V-neck shirts, kurtis and anything that nips in at the waist will emphasize your sexy shape. You can accentuate your waist by belting up outfits.
4. The Apple Shape
Mommies with apple shapes have smaller shoulders and a slim lower half but tend to gain weight in the midsection. When dressing for your body type, focus on your shoulders, your hips, and your legs. You can wear flowing scoop-neck blouses with wide-leg trousers and A-line skirts. The key is to shift the focus away from your tummy. This means no prints and details along the midsection.
Now that you know how to choose clothes for your body type, it'll be easier than ever to shop for them. Cheat heavy hips or a rounded tummy with some clever styling. Make your children and your husband proud, and your colleagues envious by looking fabulous each and every day. Remember - fashion for working moms does not have to be boring just because you are a mom! Work mom fashion like a boss, and watch as the heads turn! Read more
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Contribution – A good mom! Are you one?How to be a confident Mother & not self doubt yourself!
Being a mom of a 5 month old baby has introduced me to self doubt of whether I am a good mom or a bad mom!
Hi, I’m Marilyn and welcome to my blog!Today, I share with you, my experience, my thoughts, and my psychological approach to the way I look at Motherhood!
I also have a lot of friends who are new moms! After a deep conversation with them,After an in dept reading on motherhood psychology,After my very own experience on Motherhood, I bring to you a Blog from my Heart ❤
When I newly became a blog, I had a lot of self doubt, however, I’m blessed to have the support which is not only physical but mental too. Yes mental support is key to motherhood.
You need to have someone to go to!
You need to speak it all out!
You need to let go!
You need to go out!
You need a break!
You need support!
You need to open up that you need support!
So dear friends if you can relate to me,Please comment down below!
So what kind of a mother are you?I have listed types of mother below if you relate to them please mention in the comments…
Here you go…
Are you a mother who wants a break?OrAre you a mom who can hold your baby the entire day?
Are you a mom who gets irritated?OrAre you a mom who keeps cool?
Are you a mom who feels guilty often?OrAre you a mom who is always supported?
Are you a mom who is always exhausted?Or Are you a mom who is always energized?
Are you a mom who always worries she is not a good mom?OrAre you a mom who Believes She is a Good Mom!
In either of the cases, please know that You…Yes You are doing a Fabulous job of raising your child!Nobody can bring up your baby better than you! The Universe has selected you to be a mom of your Baby, so Believe in yourself!If you did like my blog kindly follow me for more such blogs. Also please do comment on any topic that is bothering you in mind.
Believing in magic is believing in yourself!If you can do that, you can make anything happen!
We need to all support each other,Make each other feel wanted,Boast each other,Feel each other!
I hear you!Yes, I hear you!
I do have a YouTube channel too where in I speak about believing in yourself and how to stop doubting oneself.
If you still have self doubt,Go learn a Hobby,Go divert your mind!
For example… Learn to start your own butterfly garden for a change…. check out below video how you can learn to start a butterfly garden in 10 minutes!It will distract you from your daily routine!https://youtu.be/BinycFwZ6lc
Learning this skill will not only divert your mind, but will help you teach your baby a way of life, a life cycle from a Caterpillar to a Chrysalis to a Butterfly!
And who knows learning this skill might not only distract you,It might not only teach your child how a butterfly is born,But you may give life to a Butterfly by supporting this mission of contributing to MOTHER NATURE!!!And Mother Nature in return mysteriously help you to come out of self doubt!
Help yourself by helping mother nature!
You can copy paste link on YouTube!https://youtu.be/BinycFwZ6lc
I hope you enjoyed reading my Blog as much as I enjoyed writing it for you!
Thanks for reading my BlogInstagram: Believeinmagicchannel
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Dr Sameer awadhiya has added a new answer
Expecting Mom due in 7 months
1 hour ago
Q. hello, on my first visit doctor suggested me duphaston twice a day..so m taking it morning n bedtime.now on my second visit doctor added susten sr 200 one tablet daily at night ,as m already taking duphaston at night , kindly guide me when should I take the susten tablet,also m having dizziness after taking susten .
Read moreDr Sameer awadhiya
Paediatrician
1 hour ago
A. Regarding the mentioned concern your local doctor will guide you in a proper way and the doubts can be cleared accorjodingly .so you can discuss and get the solution for query.
Also online consultation can be taken on the platform and it will also be helpful in getting the proper guidance as there could be a detailed discussion which would be benifecial helpful in the correct manner .
Rashmi has added a new answer
Guardian of 0 children
58 mins ago
Q. can I take gevocet m during breastfeeding
Rashmi
Mom of a 9 yr 8 m old girl
12 mins ago
A. Please check with your doctor they will be able to confirm whether you can take this medicine or or not as a Dr who have a fair idea and they will know for what thing you are willing to take this medicine so whatever doubt you have associated there be able able able to clear it up for you
Rashmi has added a new answer
Guardian of 0 children
57 mins ago
Q. can I take zanocin 200 during breastfeeding
Rashmi
Mom of a 9 yr 8 m old girl
13 mins ago
A. I’m not aware about what medicine it is for I can only tell you that these basic medicines you can take throughout your lactation it’s not a problem the medicines that you could take before your pregnancy can always be taken during the time of lactation
Rashmi has added a new answer
Guardian of 0 children
52 mins ago
Q. #asktheexpert mam iam 33 weeks now when can I expect delivery date
Rashmi
Mom of a 9 yr 8 m old girl
13 mins ago
A. The basic delivery date is normally 39 to 3 40 weeks of your pregnancy whenever you are ready for your delivery and whenever you hit your labour that’s going to be the right time for you further move your Dr is going to tell you when are you going to deliver with the help of an ultrasound
Rashmi has added a new answer
Guardian of 0 children
50 mins ago
Q. iam 33 weeks pregnant now
Rashmi
Mom of a 9 yr 8 m old girl
15 mins ago
A. What is your question associated with your pregnancy that you haven’t mentioned clearly can you please repost your question providing all the necessary details so at least I know and understand what are you willing to ask and accordingly I can give you help and assistance on that
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