Drug testing

Honey I Can?t Afford The Kids

Sex has a lot to answer for ? babies usually ? which then with time and much financial investment grow up to be beautiful mutations of their parents. Yet as the family absorbs more money as it grows, the need for financial planning and protection becomes more important. So, where do you start and how do you move your finances forward?

First of all there are "The Considerations":

* If surplus funds become available, could these be invested? If so, will you choose a medium or long term investment?

* Will you need an emergency fund?

* Will you need to save for short-term events such as Christmas, holidays and birthdays?

* Are you ready to save for a pension? Do you need to include your partner in a pension plan?

* How much financial planning do you want to do your children? For example, is private education an option or priority and do you want to start saving for university fees?

* How much borrowing will you need to do for buying a home and is it worth considering a mortgage payment protection plan?

* Is life insurance or life assurance worth considering as security for your partner and family?

* Do you need income protection insurance?

* Are all of your belongings and possessions adequately covered by household insurance?

Then there are "The Resources":

* Have you taken advantage of all the family finance government initiatives involved? These include Child Benefit, Child Tax Credits, Child Trust Funds (CTFs) and the Educational Maintenance Allowance (EMA) scheme. Directgov is an excellent resource for information on public services (http://www.direct.gov.uk/Homepage/fs/en )

* Do you have the best possible deal on your finances? This includes your credit card, any secured or unsecured loans, your mortgage, remortgage and insurance. If you're not sure, it's not difficult to do some investigative homework. Moneyfacts ( http://www.moneyfacts.co.uk ) and Moneynet ( http://www.moneynet.co.uk ) are two popular sites for consumer research on financial products. If you live in the US, the website Lowermybills may prove helpful (http://www.lowermybills.com/ ).

And that's just when the kids are still young. Once they're well established at school, you may wish to still evaluate the emergency fund, medical insurance and protecting your income against illness. The risks may change as the family develops so don't think that financial planning is a one-off event. Keep these issues in mind as your funds change.

As you get older you may wish to consider writing your will and inheritance planning, planning for long-term care, protecting your capital, continuing your income should anything happen to your partner and even indulging your grandchildren. There are a variety of publications from companies such as Which? that can help you tackle what may seem like impossibly complicated tasks.

If you're aware that one of the above issues needs to be tackled, don't neglect the gut feeling. Ask around for financial advice, but be aware that you need to be the decision maker, so gather as much information as you can and then make an informed decision. If the advice is conflicting, accept that financial success may always be based a little on luck and risk, though nothing excuses thorough research and planning. Read the papers, surf the web and ask around: the information is accessible!

Resources:

http://www.direct.gov.uk/Homepage/fs/en (Direct Gov)
http://www.moneynet.co.uk/ (Moneynet)

About Rachel:

Rachel writes for the personal finance blog Cashzilla:

Cashzilla is a personalfinanosaurus.

"Rachel" means sheep in Hebrew: "little lamb" or "one with purity".

Cashzilla means financially savvy with great fiery ferocity.

* * * * * * * * * * * *

Contact details:

Rachel Lane
http://www.cashzilla.co.uk
rachel@positiveinterest.com
0131 561 2251

In The News:

Authorities in the Russian port city of St. Petersburg had an unexpected surprise Thursday during a weapons raid when they discovered a crocodile in the basement.
A dolphin was found off the coast of Australia dead after it apparently choked on a large octopus.
Meteorite hunters who flocked to Detroit from across the U.S. after a meteor exploded are finding the fragments.
Meteorite hunters have found the first pieces of the fireball that streaked across the sky in Michigan this week.
The reason for removing Jeanette Epps, who was scheduled to launch to the space station in June, was not given.
Excavation work on the uninhabited Greek island of Keros has unveiled a stunning look at the start of the Cycladic Bronze Age, showing off technological sophistication, impressive masonry work and precision detail well before its time.
New images from NASA's Mars Reconnaissance Orbiter (MRO) suggest there is an underground network of lava tubes beneath the lunar surface that could offer astronauts easy access to water.
A young hedgehog that was unable to use its hind legs when it was found last year has been receiving hydrotherapy treatment from animal welfare experts.
An international team of scientists has unraveled the mystery behind the sudden deaths of 200,000 antelopes in Kazakhstan in May 2015.
A "potentially hazardous asteroid" known as 2002 AJ129 is set to fly by Earth at a whopping 67,000 miles per hour next month, there is no need to worry, scientists say.

The Different Types, or Styles, of ADHD

Research literature, recent books, and common sense, all point to... Read More

Joining a Gang: How to Help Kids Prevent it, How to Tell if Theyve Joined One, How to Help Them Out

While youth gangs are nothing new -- they've been traced... Read More

Dealing with Lying: The Dos and Donts

Jason Roberts listened to his son's explanation of the missing... Read More

Spelling Games

The following spelling games can be used by parents to... Read More

A Quiz for Parents: What Are They REALLY Learning?

Picture this. Your child comes home with a special assignment... Read More

How to Make a Time Capsule

Looking for an unusual and memorable gift? Why not preserve... Read More

Lets Not Hurry Children Through Childhood

Have you ever experienced one of those days when you... Read More

Signs of Child Sexual Abuse

Many families do not want to believe their child is... Read More

How To Foster An Environment For Successful Communications With Your Child

As parents, we strive to address all of the questions... Read More

How Public Schools Coerce Parents Into Giving Mind-Altering Drugs To Their Children

Despite the potentially dangerous side-effects of Ritalin, public school authorities... Read More

How Many Sex Offenders Live On Your Block?

For any parent, learning that a convicted sex offender lives... Read More

Delightful Defrazzlers

I will cherish this moment. I will not let it... Read More

What Do You Do When Your Child is Smarter than You?

We adopted our first child when he was three months... Read More

The POWER of Reading

Reading to your child at a young age is one... Read More

Spending Time With Your Child

Why Is Spending Time with Your Child So Important?For children... Read More

Calming Tips for Hyperactive Children

Parents of hyperactive children know the "Would you please just... Read More

War Declared On Instant Messenger: How to Stop Your Child from Wasting Their Life Away Online

Hey Parents! I hate to tell you, but there is... Read More

Taking Home Souvenirs, Not Junk

Gift shops are a kid magnet and often a trip... Read More

Breaking the Cycle of Emotional Blackmail

Family decision-making is an intriguing phenomenon. Many factors become part... Read More

Im a Father, Doesnt Anyone Care?

The snow was getting heavier with each lift of the... Read More

Eye-Opening Questions for Working Parents to Ask

I remember watching my 18-month-old son eat a big frosted... Read More

Teenagers and Trouble - How Parents Can Keep their Teens Out of Trouble

Teenagers are a work-in-progress, and parenting teenagers can be tricky... Read More

How To Homeschool Without Making Your Child An Outcast

If you are currently homeschooling or considering homeschooling your child,... Read More

Eating Disorders in Children

If I had a dollar for every time I persuaded... Read More

Parenting Problem? 5 Simple Things That Will Help

What is a parenting problem?Parenting is a tough job, we... Read More

solar led parking lot lights parking lot lighting fixtures Pete's produce ..