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Paying Parents to Read to Their Children Boosts Literacy Skills

COLUMBUS, Ohio – Researchers have found a surprising way to help boost the skills of children with language impairment: Pay their parents to read to them.  A new study tested four techniques to get parents or other caregivers to complete a 15-week literacy intervention for their children with language impairment.  Only one of those techniques – paying parents 50 cents for each reading session – led to children showing significant gains in reading test scores, findings showed.  “We were somewhat stunned to find that paying parents had this strong effect. We didn’t anticipate this,” said Laura Justice, lead author of the study and professor of educational psychology at The Ohio State University.  The other three techniques tried in the study were offering positive feedback to the parents, offering encouragement, and modeling to parents how to read in a way that improved children’s literacy skills.  None of these three was helpful, and offering feedback actually had a slight…

Building Secure Futures, One Family at a Time

At every stage of life, life insurance is an important consideration for protecting your family and your assets. As much as you may not want to think about it, you cannot afford to avoid making these important preparations. Life insurance can be vital to helping your loved ones maintain their standard of living after your death. If you have dependents — a spouse, domestic partner, children and/or an aging parent — you should ensure that your retirement pension and savings are sufficient to secure their future.
Many Americans think that they can't afford life insurance, especially when some are struggling to balance the daily and monthly expenses that most households face. But life insurance is often more affordable than you might think. In fact, more than 80 percent of Americans overestimate the cost of life insurance. Most people who are uninsured believe that a 20-year, $250,000 term life policy for a healthy 30-year-old would cost $400 per year. But the real cost would actually be only a quarter of that, or about the same cost as your Netflix subscription each month.
Types of Life Insurance
If you're unsure about life insurance, you're not alone. Many individuals are confused about how life insurance works. According to LIMRA, 70 percent of Americans failed a 10 question basic life insurance IQ test.
The truth is not all life insurance plans are created equally. In fact, there is a whole host of different types of life insurance to fit your budget, lifestyle and needs.
One of the most common types is term life insurance, which offers affordable coverage for a specific number of years and is great if you want to provide coverage while you pay off certain debts or until you've fulfilled some anticipated responsibilities, such as until your children are out of college. However, while term life insurance is an affordable way to get maximum coverage, it also increases in cost after the specified period, so it may not be cost effective in the long run.
On the other hand, permanent life insurance policies are ones that do not expire. They protect your loved ones permanently. These plans typically offer more long-term security and may even accumulate cash value over time. While permanent life insurance may initially cost more than term life insurance, they can also be more cost-effective in the long term.
Depending on your responsibilities and financial situation, the best life insurance plan for you may be term insurance, permanent or one of the many other options offered by insurance companies.
Helping You Find Insurance
Many leading insurance companies are making it easier than ever to put life insurance within reach. And some companies have new products for Americans who otherwise might not have easy access to life insurance plans.
Life insurance can also provide an array of benefits to dependents such as:
1. Assistance in paying off debts such as a mortgage, auto loan or credit card
2. Coverage of daily living expenses
3. Help with saving for expenses such as college tuition, weddings or starting a business
4. Paying for funeral expenses
In addition to expanding their coverage to include families who may traditionally be underinsured, major life insurance companies have also worked to develop tools, such as insurance premium calculators, that help you select the type of life insurance that is right for your needs and concerns.
Many companies have commissioned studies that explore the changing demographics, retirement ages, lifestyle habits and compositions of American households and have developed adaptable insurance policies in response. Other insurers have taken steps to diversify their offerings to better fit the needs of customers in developing nations.
MetLife, for example, has developed insurance plans to target traditionally uninsured customers in the United States and abroad. The New York-based insurer now offers prepaid insurance policies at Walmart stores in Georgia and South Carolina, with a first month's premium of just $5. The company has also developed initiatives to increase access to insurance in the Bogota region of Colombia by selling policies through supermarkets, door-to-door and allowing customers to pay their insurance premiums through their natural gas utility bill.
It may seem complicated and you may not want to think about it while you're in the prime of your life, but life insurance is easier to obtain and less expensive than you might think. There are several helpful tools and information available to help you find sufficient means to provide security for your families and loved ones. Picking life insurance shouldn't be a burden but an easy process. You should be able to enjoy the aging process and eliminate the unknown when it comes to life insurance.
About Family Features Editorial SyndicateThis and other food and lifestyle content can be found at http://www.editors.familyfeatures.com. Family Features is a leading provider of free food and lifestyle content for use in print and online publications. Register with no obligation to access a variety of formatted and unformatted features, accompanying photos, and automatically updating Web content solutions.

SOURCE Family Features Editorial Syndicate


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