Menturion

Before you had kids you probably witnessed an out of control child having a temper tantrum at the store. More than likely you thought or said, “If that was my child, I would ______”. Well now here you are with children of your own dealing with these exact situations. Temper tantrums are a normal part of life with toddlers and preschoolers. Almost all young children have tantrums occasionally. If handled appropriately, most children outgrow this stage by four or five.

Some children have severe tantrums and may get so upset that they vomit or hold their breath until they pass out. Although this can be extremely upsetting to the parent, the child will generally recover quickly and completely. If your child is fainting or vomiting from tantrums, you may want to consult your pediatrician to check for any other health concerns.

How you handle tantrums will have a direct impact on the frequency and intensity of the tantrums. Here are some tips on preventing tantrums and how to respond to them.

Make sure your child is not over-tired. If she is cranky or tired put her down for a nap or try doing some quiet time. You can lay down in the bed and read a book or play soothing music to help her relax.

Be consistent with your rules. If she has a tantrum and you give in to her demands, she will try this again. The more consistent you are, the more she will learn that tantrums don’t work.

When you ask your child to do something, try asking nicely first. “Mommy needs some help picking up the toys” usually goes over better than “get in here and pick up this mess!”

Don’t use bribery. Does she really deserve a cookie for going to bed on time or not misbehaving at the grocery store? By doing this you will only encourage her to break the rules to get a treat.

Don’t react to her by yelling at her to be quiet. This will probably only upset her more. Sometimes in the midst of an outburst it is hard for a child to regain composure. Help her to calm down by giving her some quiet time in her room. Offer her a cup of water to help her relax if she is hyperventilating.

Sometimes children have tantrums because they want your attention. Look at the situation. Have you been watching tv, reading a book, or talking on the phone? If your child hasn’t had much “mommy time”, she may be trying to tell you something. Once she has calmed down from her tantrum, try setting some time aside just for her.

If you are in a public place, remove the child from the situation if you can. Go to the car or the restroom until she calms down.

When to call the doctor.

If you are concerned that your child’s tantrums are extreme or more frequent than they should be, call your pediatrician for help. If your child injures herself or others, destroys property, has frequent nightmares, regresses in potty training, faints, has stomach aches or anxiety attacks consult your doctor.

About The Author

Patty Hone is a wife and mommy to three kids. She is also co-owner of Justmommies.com. Justmommies is an online community of moms sharing the joys and struggles of motherhood. Message boards, chats, articles, parenting, pregnancy info and more. http://www.justmommies.com.

email@justmommies.com

There are different types of life insurance policies available. Shop around and compare policies to ensure that you receive the best deal possible. This sounds obvious, however, there are dozens of different types of life cover plans available and it is important that you select the right one for your circumstances.

Life Insurance is insurance that provides protection against the economic loss caused by the death of the person insured. There are several types of Life Insurance, each having different characteristics. Some of the key types of Life Insurance are: Term Life, Whole Life, Burial Insurance, Survivorship Life, Universal Life, and Variable Life Insurance. Outlined below is a useful description of each type:

Term Life Insurance

Term Life Insurance is the lowest cost and simplest product available. Term insurance is a life insurance contract that provides protection for a limited number of years. The death benefit is only payable if death occurs during the agreed-upon term. There are various types of Term Insurance Life Policies:

Level Term Life Insurance

Means that your premiums are set at a level at the beginning of the contract and do not move up or down. The sum assured will remain the same throughout the term.

Increasing term insurance

This is a fixed term policy where the sum assured will increase, either by a set percentage or by the Retail price index (RPI) throughout the policy term. Your premiums remain level throughout the term if the sum assured rises by a set percentage, or will rise according to the RPI if the sum assured does the same.

Renewable term insurance

This is policy lasting for a smaller period, usually five years, which can be renewed, although the sum assured cannot be increased, whilst the premiums will increase with age.
Renewable increasable term insurance is the same as above but provides for an increasing sum assured.

Convertible term insurance

Provides the option to convert parts of the sum assured to whole of life, endowment or further term assurance without further medical evidence.

Decreasing term insurance

Is where the sum assured decreases over time; hence, the premiums are set lower. This is commonly used to cover a mortgage.

Whole Life Insurance

Life insurance that remains in force during the insured’s entire lifetime, provided premiums are paid as specified in the policy. Whole life insurance also builds a savings element (called the cash value) as a result of the level premium approach to funding the death benefit.

Burial Insurance

Burial Insurance, or Final Expense Life Insurance, is essentially a whole life product with small face values. The application process is simple and does not have the associated medical requirements of other policy types. This type of life insurance is also referred to as a simplified issue or guaranteed issue policy.

Survivorship Life Insurance

A type of whole life insurance which insures two people and pays benefits only after the second person dies. It is generally designed to provide funds to pay estate taxes.

Universal Life Insurance

An unbundled whole life insurance product in which the mortality, investment, and expense factors used to calculate premium rates and cash values are expressed separately in the policy. In a universal life insurance policy, any applicable expense charges are deducted from the premium and the remainder of the premium is then credited to the policy’s cash value. Each month the insurer deducts the mortality costs from the cash value and credits the remainder of the cash value with interest.

Variable Life Insurance

A form of whole life insurance under which the death benefit and the cash value of the policy fluctuate according to the investment performance of a separate account fund. Most variable life insurance policies guarantee that the death benefit will not fall below a specified minimum. A minimum cash value is seldom guaranteed.

You may freely reprint this article provided the author’s biography remains intact:

About The Author
John Mussi is the founder of Direct Online Loans who help UK homeowners find the best available loans via the http://www.directonlineloans.co.uk website.