1. Leapster (Handheld)

This game is by far the best choice on the market these days. Not only does it provide a more interactive experience than the Nintendo DS, but the console also speaks to the player, which is great for kids who haven’t learned to read. The interactive components of the console consist of a touch sensitive screen and buttons – this variety will hold your child’s interest. Also a wonderful array of software turns this device into an educational game player, an electronic book reader, a digital art studio and interactive video player. Plus the device is lightweight, making it easily portable.

2. Little Big Planet (PS3)

Little Big Planet offers a diverse and unique gaming experience for players of all ages. In the game, players take control of a personalized ‘sack person’ who ventures forth into an interesting and fun environment. Although the game is designed around getting from one place to another, it’s the way the game allows players to do this that really makes it stand out. The game can be played on its own or online where players can explore levels created by other players and can even create levels of their own! This expanded experience ensures replayability for up to four players, making this game fun for the whole family.

3. Animal Crossing (Nintendo Game Cube)

Created along the same lines as The Sims, this exciting role-playing game allows players to enter a village populated with human-like animals. Players can interact with other animals while doing chores and exploring but the bonus here is that with a memory card, their characters become portable. Plug the card into a friend’s game and your animal character enters the other game. There is so much to do in the village that the game is involving and engrossing and there is a strong reading component to the activities.

4. Professor Layton and the Curious Village (Nintendo DS)

This is a wonderful family puzzle game with a detective storyline and 135 mysteries to be solved. Layton and Luke are a Holmes/Watson type of duo and the puzzles are brainteasers. One bonus of the game is that the player can never get stuck on a puzzle. The game allows for switching from one puzzle to the next. The game is challenging and features a lot of content.

5. Scribblenauts (Nintendo DS)

This highly original game may not look like much at first glance with its hand-drawn graphics but it provides a unique interactive experience. In the game, players collect ‘Starites’ by writing words on the screen with a stylus. The words are then transformed into objects, which the player uses to solve spatially oriented puzzles. The game has an impressively large database.

Guest article written by: Andrew Salmon is a freelance writer, who, in addition to contributing blog posts about parenting and financial topics such as Canadian life insurance, is also a published author who has been featured on Amazon.

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“Because we’re committed to creating the safest products for children, Britax is conducting a voluntary safety recall on its Blink stroller. The recall is in response to a potential risk of harm when a consumer opens or closes the stroller. No injuries have been reported, but as an extra precaution Britax will provide free remedy kits to all registered Blink owners. We encourage all Blink owners to visit www.BlinkRecall.com or call the Britax information line at 888-427-4829 for further instructions.”

–Jon Chamberlain, president of Britax

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healthytuna.com

This is a Sponsored Post written by me on behalf of HealthyTuna.com. All opinions are 100% mine.

A few years ago when I found out I was pregnant with my twins, I was of course in shock and became insane about researching every little detail that I could about being pregnant, what to eat, what not to eat, what activities I should do, what activities I should not do, etc. The whole process as a first time mom is not only overwhelming but it can also be confusing, especially when you get into researching the food subject. I was told by my doctor not to eat tuna, lunch meat, certain cheeses, etc and that’s exactly what I did. I had absolutely no fish products because they are supposed to have a large amount of mercury in them.

There were some studies released recently that say while it’s true that pregnant women should stay away from fish high in mercury (shark, mackerel, swordfish, tilefish), it is actually SMART to eat seafood during pregnancy. The studies on healthy tuna say that not eating fish while being pregnant can lead to depression. Tuna is a low mercury fish, so including it in your diet while pregnant can be good for you.

I have a friend that’s pregnant now and her doctor also told her to stay away from the same foods. So when I read these studies, I shared them with my friend and she printed them out and took them to her doctor. Her physician checked out the studies and did some research and told her to go ahead and eat tuna but to keep it at limited amounts. She was super excited because she loves seafood and has been craving it since she became pregnant. So we got together one night with some friends and cooked up a delicious healthy tuna recipe that we both loved.

The recipes we made were a Southwest Tuna Salad and Garden Bow Tie Pasta. I’ve included both recipes below so you can try them for yourselves. (I would love to know what you think of them if you do try them!)

Southwest Tuna Salad

• 1 (2.6-ounces) pouch of Chunk Light or Albacore Tuna (if using cans, drained and chunked)
• ½ cup black beans, drained and rinsed
• ¼ cup low-fat Ranch dressing
• 1/4 cup Mexican cheese blend, shredded
• 2 ½ cups (4-ounces) lettuce, washed and torn
• ½ cup whole kernel corn
• ¼ cup salsa

Directions: In a large salad bowl place lettuce, tuna, beans, corn and ranch dressing. Top with salsa and cheese. For two small salads, divide all ingredients in half.

Garden Bow Tie Pasta

• 1 (6.4-oz.) pouch or 2 (2.6-oz.) pouches or 2 Cans (5-oz.) tuna (if using cans, drained and chunked)
• 2 Tbsp. Olive oil
• ¼ pound Portabella mushrooms, sliced
• 3 Tbsp. Fresh or 1 Tbsp. Dried Thyme
• To taste Garlic salt and Pepper
• ½ pound Bow tie pasta
• 1 cup Onions, sliced
• 1 cup White wine
• 4 cups Vegetable medley, frozen

Directions: Cook pasta according to package directions, drain; rinse. In large skillet, heat olive oil over medium-high heat; sauté onions and mushrooms for 3-5 minutes. Add wine and continue cooking 2 minutes. Add thyme, tuna, vegetables, and mix gently. Add pasta; season with garlic salt and pepper; heat 3-4 minutes. Garnish option: grated Parmesan cheese.

I had actually never had tuna in my salad or in a pasta so I wasn’t sure if I would like either of these recipes. To me, tuna was always the best with a little mayo and relish but both of these recipes were delicious. We had small portions of each so there was plenty left over for my husband to snack on.. which he did later that night. He really enjoyed the pasta which was a surprise to me because he’s not a pasta eater.

Throughout my entire pregnancy and even afterward I suffered from depression. So now that I’ve read that study, I wonder if I should have eaten tuna and if it would have helped with the depression.

So now these studies are out, go get you some healthy tuna recipes and gobble them up, even if you’re pregnant.

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Plum Organics is recalling its apple- and carrot-flavored baby food for fear of botulism poisoning. The California-based company announced the recall Tuesday morning, saying the product did not meet FDA requirements.

Botulism is a rare, serious paralytic illness. So far, no illnesses have been reported.

The baby food is sold in Toys “R” Us and Babies “R” Us stores. The recalled product is 4.22-ounce pouches, with a “best by” date of May 21, 2010. The UPC is 890180001221.

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Chase and Yakini enjoying The Baby Show in Manhattan

This past weekend I had the pleasure of attending The Baby Show NYC.  It was an awesome experience!  At nine months Chase is becoming more mobile and curious by the day, and I’m constantly thinking about fun and creative ways to keep him stimulated (and safe!) in our home. The Baby Show showcased many wonderful products and services that were perfect for my husband and I as we transition into parents to a tot.

I just knew the show would be a high-energy, family-friendly good time, so I brought Chase along to enjoy the event with me.  There were so many great exhibits we spent hours just walking slowly throughout the showroom and making sure I’d met and mingled with each representative.  It was so cool to check out the top “must-have” baby products and services, from test-driving top of the line strollers to receiving a personalized lesson from Christine Poppy of MAM Baby about tooth and gum care for Chase as his little teeth come in.  The icing on the cake was receiving a cute training toothbrush for Chase in azure blue along with the new MAM Anti-Colic Bottle!

There were free seminars throughout the day given by leading baby experts – my favorite presentation was Green Baby 101 by Inhabitots.  My husband and I strive to raise Chase in the most natural and eco-friendly way possible, so this was right up our alley!  I was also super excited to receive a brochure from Sarah Merian Photography, as we’ve been on the hunt for a good studio to take Chase’s one year portraits when the time comes.  I spent some time browsing through their portfolio – their work is simply gorgeous!  Oh, and just for signing up to be on their mailing list I received a $100 voucher toward our first photo session – how cool is that!

One of my favorite tables to visit were the great ladies of Moms Like Me.  I was so impressed with their warm reception and presentation I immediately signed up to become a part of their online community.  They even had a giveaway bag filled with their press kit and other wonderful baby/mommy items- and who doesn’t love free goodies?

Claudia Heilbrunn is a Certified Life Coach (CTA) for new moms – she had such a sweet, kind energy.  She was so comfortable and easy to talk to, we spent a while just chatting about her mission and how she helps women find a fulfilled, balanced and vibrant life with their new baby.  Boy, do I wish I’d had Claudia when Chase was a newborn.  With my mom and aunts out of state it would have been really wonderful to have the support of a new mommy life coach – I didn’t even know such a thing existed!

I think it’s safe to say that Chase’s favorite part of the day was when we visited the Kids’ Korner, sponsored by NYC Citibabes.  This fun play area showcased games, activities and songs from their Power Baby programs, which is a series of physical play classes for infants.

I spent some time chatting with Lisa, a teacher at NYC Citibabes, and she explained to me that each level of Power Baby promotes strength and confidence through developmentally appropriate motor play, music, dance and social bonding.

Chase had a grand old time singing and playing with Lisa and also doing some baby yoga, bouncing, rolling, and rocking on his new friend, Mr. Elephant.  He was sad when it was time to leave. However, I made sure to take a brochure from the Citibabes table- I definitely plan to enroll Chase and I in a Mommy and Me class there – and I”ll be using the coupon I received for one free session!

The Baby Show NYC was truly a celebration of all things baby!  It was an exciting, fun-filled event that I’m so glad to say I was a part of.  This event was created in response to New York parents in our search for the best products and practices for our babies and young toddlers – and I must say the showcase far exceeded my expectations.  I can’t wait until The Baby Show 2010.

Dr. Yakini Etheridge is a clinical psychologist and mom blogger living in NYC.  She loves being a wife and mother to a boisterous baby boy, and blogs about her experiences as a new mom at The Prissy Mommy Chronicles.

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As your child’s first teacher, you play a vital role in their education.  It’s important for you to create connections from your home to your child’s school, and to consider yourself a partner in your child’s academic success.

Schools recognize this and they want to support your involvement.  Here are 5 ways you can help:

1.   Reach Out to the Teacher

Ask your child’s teacher how you can participate in the classroom.  For example, the teacher might want you to help tutor other students or volunteer for classroom activities.

2.  Keep the Teacher Updated

Communicate with your child’s teacher or other school staff throughout the year, not just during parent-teacher conferences.  Call the teacher directly, write, send email or meet with the teacher and school staff about any concerns you have and about what your child does well.

3.  Check in on Homework

Review your child’s homework and discuss it with him to make sure he understands the assignment.  This will better prepare you to discuss any concerns or questions you have with the teacher.

4.  Volunteer at School

Serve as a volunteer on a local school advisory or decision-making committee, like the PTA.  This also provides a great opportunity to meet other parents.

5.  Understand Your Child’s Abilities

It’s important to recognize how your child learns.  Ask the school counselor for ways to identify your child’s special talents or any challenges they may have.

When parents are seen as supporters of their child’s school and classroom, the quality of the learning environment becomes a shared responsibility and a source of pride for everyone.

Watch this video from Illinois Parent Information Resource Center, or visit their website to learn more.

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Perfectly sized with a unique “toddler-chic” look these bags from Four Peas will be the “cool bags” of this years school season! With styles ranging from preppy to punk, Four Peas bags offer kids and parents a fresh alternative to boring “book bags”: Kids’ bags that look good. Real good. Four Peas products include school-sized backpacks, lunch bags, messenger bags, supply bags and duffle bags.

Why we love Four Peas:

• Bags are entirely PVC free
• School backpacks can now accommodate children up through 8th grade
• Backpacks are 16 inches tall, 13 inches wide, and 7.5 inches deep with plenty of room for many books and folders
• Straps are adjustable and padded and are conveniently attached to the sides of the backpack for easy on and off access
• Spacious front pocket that contains 5 slots for pens or pencils as well as a contact information tag
• 2 pockets, one on each side of the backpack, that have magnetic snaps to secure smaller items

The Four Peas brand is the brainchild of Casey Baca – a savvy mother of four who just couldn’t find the perfect bag for her kids. When her oldest daughter, Bella, was two, Casey found that trips with her toddler were much easier when Bella had her own bag full of activities. But, after years of searching, Casey concluded that the perfect toddler bag didn’t exist. Drawing on her sense of style, eye for quality and school teacher background, Casey created a line of eight toddler-sized backpacks in 2005.

Granola Bars from Vermont Nut Free Chocolates

One things moms are being faced with these days is planning for snack-time in nut-free classrooms, and the latest introduction from Vermont Nut Free Chocolates – an all-natural, nut free granola bar - is a safe, healthy and most importantly delicious snack alternative.

The granola bars from Vermont Nut Free Chocolates are ideal for snack-time or classroom parties in peanut-free schools, or as a snack for on-the-go families that live in a nut-free house. Vermont Nut Free Chocolates was started by the mother of a child with peanut allergies, and the company’s mission is to provide safe and delicious snacking alternatives for people affected by nut allergies. Products are made in Vermont from the finest ingredients in a completely nut free environment.

The granola bars are available online in boxes of 12 bars at select retailers and on the online at http://www.vermontnutfree.com

Day Planners & Accessories from momAgenda

Check out these fabulous day planners and accessories with chic NEW metallic covers from momAgenda!

Available in different sizes, the 5×7x1 is perfect for anyone and features a unique week and monthly view, space for appointments and other important dates in our life the 17-month calendar runs from August 2009 through December 2010.

Personalization is available in two fonts: print or script. Choose from three colors: gold, silver or blind-emboss. Please note: Only letters can be used for personalization, no numbers.

More great products from momAgenda:

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Your kids will be cool when they go back to school with these fun colorful and durable backpacks from Company Kids. With features like a drawstring top opening, fold over flap with velcro closure, front pocket and adjustable straps.. these backpacks are not only cool but functional as well!

Made from 100% cotton these bags, 12″ (L) x 12 1/2″ (W)  and are machine washable.

Organizational Products from MOBOS

MOBOS are a unique line of modular storage units that are great for students looking to keep their lives organized and stylish. MOBOS products include storage bins, cabinets, shelves and hooks that are used with a simple, DIY mounting

system. The result is a space-saving, decorative storage solutions for homes, outside space and apartments. In addition to their colorful, stylish aesthetic, MOBOS are made from recycled steel and non-toxic coatings, making them eco-friendly and appealing for students.

citizenpip Reusable Lunch Kits

citizenpip makes it easy to go green with products that are designed to be fun and stylish for kids, and practical and convenient for parents. The reusable lunch kits by citizenpip come with everything you need to pack a waste-free lunch.

More reasons we love citizenpip:

They’re Eco-friendly: Reusable components reduce trash and their made from recyclable material.

Muck-free: Their products are lead-free, BPA-free, PVC-free, and phthalate-free

They’re Practical & Convenient: Flexible designs accommodates different types of containers, easy to clean and have wide mouth opening.. They’re also dishwasher-safe and easy for little hands to open and close.

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TI-Nspire

TI-Nspire is the ultimate value buy, lasting from algebra through college-level math (that’s up to 10 years!) Unlike clothes or gadgets like cell phones, you won’t have to replace it with something trendier next year… and research shows that graphing calculators help kids do better in math – which can help them get into college and ultimately, set them up for future success.

Benefits & Features

• 2 calculators plus computer software, all in one! Includes two interchangeable keypads that allow students to use the TI-Nspire features, or use a keypad that mimics the TI-84 Plus and TI-83 Plus calculators, the leading graphing calculators used in U.S. schools. Included computer software brings the TI-Nspire experience to a PC or Mac.

•Like a computer in your hand. The versatile graphing calculator has the computer features students demand, including a large, high-resolution screen, interactive graphing capabilities, drop down menus and a built-in cursor which help students interact with math concepts and explore problem solving strategies in real-time.

• Save and review work. Thanks to electronic document capabilities and built-in 20MB of storage, students can create, save and edit their work similar to the word processing and file storage of a computer.

• Allowed on the SAT.* Also permitted on the ACT and AP* tests and many state math exams. With the purchase of the TI-Nspire, students can download free test prep questions from The Princeton Review.

• Free homework help. Stuck on a problem? Free online access to math tutors from Tutor.com is included with the purchase of the TI-Nspire.

Check out www.ti-nspire.com to see where this item can be purchased or to see the TI-Nspire CAS (Computer Algebra System).

Check out the Count Me In! Pledge from Texas Instruments (TI):

The Count Me In! Pledge is where teens can sign the pledge, challenging themselves to take higher-level math courses to broaden their college and career options and commit to tell others why math education is so important to the future of their world – all while entering to win cool prizes to get them ready to hit the math books again this year. The pledge runs through October 15.

Toshiba Satellite Series Laptops

Heading back to class? The Toshiba Satellite® line of notebooks is ready when you are, with power and connectivity to help you study and stay in touch―on and off campus, along with a variety of screen sizes: 16”, 17.3” or 18.4” for broader learning and entertainment, or 13.3” and 14” for more mobile productivity.

Toshiba focused on incorporating premium new features and style elements at price points that make sense for students:

• Satellite L Series – designed for budget-smart consumers and back-to-school shoppers, starting at just $549.99
• Satellite M Series – for the more mobile student, the line offers students a perfect balance of performance, mobility, size and cost starting at just $699.99.

Visit http://laptops.toshiba.com/laptops/satellite for more info.

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Until recently, the only options for liquidating an underperforming or unneeded policy was to let it lapse, sell it back to the original insurer for its current net cash surrender value, or to exercise a non-forfeiture option. In a life settlement, the sale price is less than the policy’s face value, but is higher than the policy’s net cash surrender value. The price can range as low as 3% to as high as 30% of the face value of the policy (death benefit), but usually averages to about 15% of your policy’s face value. The value in the life settlement transaction is determined by a number of factors including: your age and medical condition, the type of insurance, the amount of premium payments, and the status of loans on the policy.

There are many reasons you may no longer need or desire a life insurance policy:
• loss of a loved one
• need to pay for long term care or medical costs
• premiums have become unaffordable
• divorce
• beneficiaries no longer need the death benefit
• financial hardship
• your estate got smaller
• a key executive retired
• sale of a business
• loan repayment
• policy underperforming your expectations
• your level term life’s conversion period is expiring
• estate tax law revisions mean your heirs no longer face a hefty tax bill at your death

Who can qualify?
A potential candidate for a life settlement is typically aged 65 or older; has a life insurance policy with a face amount of at least $250,000, and has a life expectancy greater than 2 years.

What type of insurance policy can be sold?
Most types of life insurance policies can qualify as long as they’ve been in existence for more than 2 years. However the most common are Universal Life, Whole Life, Variable Life, Survivorship Life, and convertible Term Life.

What happens to my policy?
A life settlement transfers ownership of your policy to a third party investor that only has a financial rather than an insurable interest in your life. In other words, the death benefit will eventually be paid to the new owner. Once you sell your policy you give up all rights and obligation to the investor in exchange for the sale price. The buyers are usually institutional investors such as pension funds, charitable endowments, universities, and hedge funds.

What can the money be used for?
You can spend the money on whatever you like. Some people use it to fund other investments, make charitable donations, fund a relative’s education, or even purchase replacement life insurance.

Actual Cases
From LISA, Life Insurance Settlement Association
Case 1: Policy seller: 70 Male
Policy type: 20 year term policy
Policy value: $1,000,000
Net Settlement paid to seller: $156,000 (15.60% of death benefit)

Case 2: Policy seller: 69 Male
Policy type: Universal Life policy
Policy value: $500,000
Cash surrender value (CSV): $10,335 ( 4.01% of death benefit)
Net Settlement paid to seller: $210,000 (42% of death benefit)
Settlement vs. CSV ratio yield: 1047.6%

Case 3: Policy seller: 80 Female
Policy value: $2,000,000.00
Cash surrender value (CSV): $9,897.65 (0.49% death benefit)
Net Settlement paid to seller: $330,000.00 (16.50% of death benefit)
Settlement vs. CSV ratio yield: 3334.12%

What are the fees?
Be aware that the commissions on life settlements can be as high as 33%. These commissions are negotiated between the advisor and the purchasing company, but are not always disclosed to the client. Make sure your advisor clearly states their cut. Most commissions hover around 8% of the net death benefit or 30% of the offer price, whichever is less.

Other than commission there is no other fee. You can put your policy out for bids and decide whether or not you will accept a bid or turn it down. The whole process takes about 4 months.

Do I have to take a bid if I don’t like it?
Never! There is absolutely never any obligation or fees if you don’t want to accept the bids for your policy. It is free to put your life insurance policy out for bid just to see what it’s worth in the life settlement market.

What are the tax implications?
A life settlement is generally a taxable event.
• The portion of the policy owner’s investment (premiums paid) will be received tax-free.
• The difference between the premiums paid and the net cash surrender value will be taxed as ordinary income.
• The portion exceeding the net cash surrender value will be a gain, in most circumstances a capital gain.
Since every situation is different it is important that you consult with your tax advisor when contemplating selling your life insurance. Life settlement brokers are not tax consultants.

Important Considerations
Life settlements can be a wonderful source of funds. But they are not for everyone. You must consider whether your parents still have a need for continued coverage. If their premiums are too expensive they may be able to lower the amount of coverage and keep the current policy by exercising a non-forfeiture option. If after the life settlement, your parents plan to replace their existing policy with another policy there may not be any other availability or comparable coverage for less cost. You must assess their circumstances, including financial need, investment objectives, tax consequences, and other relevant implications of selling a policy.

If you have a specific question about your situation or would like more information give me a call or email at wgoldband@gmail.com.

Wendy Goldband, MSW, is a Registered Representative and Insurance Producer with an expertise in long term care planning.  She is the former Senior Marketing Manager for Crump Insurance Services, the largest life insurance brokerage in the nation, and the webmaster for http://lifeinsurancenoexam.biz.   Author of Breaking Autism’s Barriers and Dangerous Encounters:Avoiding Perilous Situations with Autism, she also helps families with special needs plan their financial futures.

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