Special Training For Brain Development Of Kids

Many researchers have proven the fact that functioning of brain cells of infants is twice active as adult’s brain. Neurons are the brain cells that connect together and power of neuron have the potential of a PC. Connectivity of neurons decides the smartness or intelligence of individuals. In human, brain development and the learning ability of an individual is 50% in the first four years of age. The nerves of individuals are reduced as they grow up and this is why the 1000 trillion nerves present in an 8 months baby are reduced to 500 trillion as it grows up. A child that has given more opportunities to explore will be much smart.

A majority of children, more than 90% of them use their left brain, but the imperative fact to remember is the right brain must also be utilized. Education system present in almost all the schools is designed to develop or use the left brain. Right brain is never the less significant because it is responsible for creativity, arts, feeling, imagination, visualizing, daydreaming, rhythm, holistic thinking and many others. Hence it is equally important to develop both side of brain. It is also most important to take steps to keep both the brain much active, by keeping them to perform analytically on an equal basis. It is the responsibility of parents to give activities to their children that ensures the involvement of both brain. If both brain used by children it is probable to enhance their learning power and they can also increase their brain power. If brain development programs are offered to children they can make most of the program and develop their skills to give work to both side of brain and remains high in intelligence level. Development of brain in human beings is based on the degree of how much it is used. If it is left unused there are more probabilities for individuals to lose as brain works on the basis of use it or lose it.

To ensure the progressive brain development in children, it is the role of parents to introduce their children with a reputable brain development program. Most of the experts suggest step by step educational program to the children which is systemic and efficient. Nowadays it is very simple to find out a lot of schools which not only gives importance to academic program, but they also boost the creativity of children through their extracurricular activities. It is probable to search internet and get hold of relevant schools that present with a variety of activities to stimulate the brain and encourage the development of children. A total development program to stimulate mental activity of children is also found out in the online sites and parents can try out these activities with their children while they are at home. Getting education from a school that implements total development program is much beneficial. Search for such schools and secure admission to enhance the future of the children and boosts in brain development.

Universal Life Insurances Can Be Popular – But Is It For You?

Of all the different types of policies, the universal life insurance seems to be the most favorite among today’s policyholders. It is a much later innovation, conceived to meet a modern need. However, it does not mean that the earlier policies have all become redundant. No, even term life, the original life insurance policy, has quite a big following even today and so have the whole life policies. Nonetheless, people seem to prefer universal life because it combines the low cost protection of the term life with the saving elements of a whole life to provide a perfect solution to modern insurance need.I am sure you are aware that the term life is the original type of insurance policy. Indeed, life insurance may have actually started in the form of burial clubs and artisans’ guilds in the Middle Ages, but the term insurance that we know of today is a much refined version. It is a pure life insurance policy valid a temporary period only. You can buy one for a period of 1/5/10/15/20/25/30 years. Since these policies do not accrue any cash value, you can have a large coverage at a very reasonable rate.However, on the con side, unless you die within the valid period, the term insurance policies offer no return. The whole life policies were next conceived as its antidote. They had saving element incorporated in them. However, such policies were little too expensive and premium payment mode was little too rigid. The universal policies came next. It became instant hit because it offered more flexibility when it comes to cost and coverage.Indeed, if you want to take advantage of the market without loosing the security of the life policy, there can be nothing better than a universal life. Following are some of its salient points:• It is a permanent policy valid for the life of the insured and so whenever the insured dies, his beneficiary is sure to get the benefit.
• These policies are slightly overpriced and amount paid above the cost of insurance is credited to a cash value account.
• Interest too is credited to the account. It may either be determined by the insurer or pegged to financial indexes such as stock, bond etc.
• If you fail to pay the premium, the amount will be debited from this account, thus keeping policy in force in spite of occasional lapses.Today we also have variable universal insurance, which allows the cash value to be directed to a number of separate accounts that operate like a mutual fund. However, since these policies are equity based, they can offer higher return, but if the market goes down, they offer greater risk too. If you are buying the policy solely for insurance purpose, such a policy may not be a very good idea because the death benefit will be paid as long as you have enough cash value to pay the costs of insurance in the policy.However, it is not for me to tell you what type of policy to buy. Receive different categories of life insurance quote on line and then decide. All said and done, I cannot stop myself from adding that, for life insurance purpose, you will do well if you buy only a term life insurance. It is true that a term life does not offer cash value, but its rates are so low that only a financial fool will expect it from the policy. Instead, the financial advisers say that one should buy a low cost term life for insurance purpose and then invest the difference in separate fund.However, not every type of term insurance is cheap. The term life insurance no medical exam policy for example is so expensive that the concept of investing the difference cannot be applicable here; in fact, the price structure of such a policy does not leave any difference to invest. Sometimes they are as expensive as a universal life policy is. Yet, such policies are no less popular because they too have some unique advantages.No medical policies provide instant coverage. You apply today and if you qualify, your family will start being covered by the policy from tomorrow and that too for the full amount. Of course, just as every other case, suicide within first two years is always excluder from its purview; otherwise, every other type of death in included under this policy. You may wonder why this policy is so expensive. Actually, without the medical test, the carriers can never work out the exact cost of insurance and so they charge more. Remember, they are here to do business, not for charity.

Romance in the Law Office

We’ve all heard tales of office Christmas parties that ran amuck. Coworkers get caught making out in the copy room or a storage closet. Reports of after-hours office frolicking run like wildfire through the halls and floors of businesses. These shenanigans occur in all types of companies.Office romance isn’t only the tipsy pawing of revelers. Coworkers date. They even marry.Does office romance negatively affect office atmosphere and the service provided? I’d like to share a work story, and you can tell me if you think office romance is detrimental.One time, at band camp…no, not really, but it definitely left me feeling LIKE I was at bamp camp…For a time, I worked for a satellite office of a large law firm. I was the legal secretary for a husband and wife team. Being assigned to two attorneys married to each other was…interesting, to say the least. The entire staff could tell in the first two minutes on Monday mornings how their weekends went. If it had been a bad weekend, I was offered condolences.The thermostat which controlled both of their offices was located in husband-attorney’s office. My desk was conveniently across from their doors. One particular “bad weekend” Monday morning, Mrs. Attorney came out to my station and said, “Would you tell HIM to turn up the heat, I’m cold,” and returned immediately to her office, shutting the door firmly behind her.I stopped typing, fully aware that our close proximity created the strong likelihood that Mr. Attorney had already heard what she said. I was also aware that the secretary behind me had stopped typing as well. The day’s antics had begun.I stood up, smoothed my blouse, and ventured into Mr. Attorney’s office. He was typing and didn’t immediately acknowledge my presence. Finally, he said, “…yes?” I dutifully delivered the message. Silence reigned. Well, silence reigned in those four walls. I heard shuffling and whispers as staff began clustering near my station.Mr. Attorney swiveled his chair to face me, peering at me over his glasses. “Do tell, if you will, my lovely wife that if she had dressed appropriately for the weather, she wouldn’t now be complaining that she is cold.”Silence reigned everywhere.I walked out of his office. Exchanging glances with my coworkers who were poised to scatter but too curious to immediately beat a retreat, I veered right and knocked on Mrs. Attorney’s door. I gained entrance, and dutifully delivered the quoted reply. Silence reigned again. Coworker shuffling had ceased at that point. All ears were at attention.Mrs. Attorney said, in a voice an octave higher, “Will you please inform him that my state of dress is none of his business and that if he ignores a reasonable request it will not bode well this evening.”I returned to Mr. Attorney’s doorway, repeating Mrs. Attorney’s words. His response was, “All reasonable requests are considered. It is the unreasonable requests that are denied, in toto.”I updated Mrs. Attorney and announced that I was going back to my desk, to work (while wondering if emphasis on “work” filtered through).My fingers typed senseless words on the screen as the thermostat dance began. She walked in his office, flipped the control and went back into her office. The sound of the heat kicking in muted the return of coworker shuffling. They backed away but remained a rapt audience.His chair squeaked as he got up, turned the heat off, and sat down with more squeaking.Heels clicked (which was pretty amazing since the floors were carpeted) as she made another control-flipping appearance.I chose to take my morning break earlier than usual that morning.Yes, I believe office romance definitely affects office atmosphere. Based on my personal observation, it affects client service as well.