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Board Certified Behavior Analyst (BCBA)
Monocacy Start Center is looking for talented and passionate BCBAs to join our company in providing home and center-based services to individuals with Autism Spectrum Disorders. Monocacy Start Center is a premier provider of ABA services in Frederick County. We have been delivering individualized behavior analytic programs since 2002 and are looking to expand our team of professionals.
Applicants must have a BCBA certification and have or be eligible to obtain a MD license as a Behavior Analyst. They must also have experience in developing and implementing home and community based ABA programs, experience in supervision of Behavior Technicians or RBTs, and experience working with children with behavior problems and/or developmental disabilities. BCBAs are responsible for developing and overseeing individualized home and community ABA programs, assessing current functioning and establishing treatment plans with goals and objectives, supervising Behavior Technicians and RBTs, training new technicians, and monitoring treatment effectiveness by reviewing data collection. Benefits include a competitive full-time salary ($60,000-$80,000 per year), holiday and vacation pay, health benefits, retirement benefits, and continuing education reimbursement.


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Unless the journalist has voluntarily agreed to honor the embargo in advance, usually via a legally binding non-disclosure agreement, the journalist is under no obligation to it. However, even in the absence of any obligation, news organizations generally do not break the embargo for sources that they wish to cultivate. If they do, then the agency or client that sent the release may blacklist them.
The good news is that there are plenty of high-quality websites you can use to submit your press releases to for maximum exposure for your business, and all of them do a good job of raising awareness about companies.
A press release is an opportunity to present your company in a highly professional manner. Be sure to proofread your press release a few times to make sure there are no spelling or grammar mistakes. You should also have a trusted friend or colleague review it for any errors you may have missed.
I tend to model my press releases after the ones written by the professional Public Relations folks I learned from during my 20 years of working in the offline world. In order to get published in newspapers, you needed a compelling title followed by a succinct story written in 3rd person narrative that left the reader wanting more.
Freepress.net is a project of Free Press and the Free Press Action Fund. Free Press and the Free Press Action Fund do not support or oppose any candidate for public office. We are nonpartisan organizations fighting to save the free and open Internet, curb runaway media consolidation, protect press freedom, and ensure diverse voices are represented in our media.
It might seem trivial, but the most important part of your press release is the headline. Most journalists are incredibly busy, and their inboxes are overflowing with generic press releases. Unless you've got a snappy subject line, chances are that your press release will go straight in the bin without getting read. So, what constitutes snappy?
In today's SEO world, press releases will provide more indirect value than direct value. Direct value comes when the press release URL itself is ranking in search engine results pages (SERPs), which is possible, albeit rare. For example, a press releases that appears in the "News" section of a Google search can drive organic traffic to your website, generating and brand awareness.
They say: The news reach from Bing & Google News to CBS, Fox, ABC, CW, NBC affiliated broadcasting websites and more, and other premium news outlets. Reach Associated Press journalist and editors and thru AP Datafeatures services press releases are distributed to journalist and editors of major media outlets including Wall Street Journal, NEW YORK TIMES. WASHINGTON POST, USA TODAY, LOS ANGELES TIMES, CHICAGO SUN TIMES, and many more. Press release is also send for syndication on News Information Engine (NIE) Circuit. NIE is subscribed by millions of journalists, corporate decision makers, market makers, brokers etc to track and break news. With NIE press release will reach AP, Acquire Media, Comtex, Factiva, LexisNexis, SyndiGate, DMN Newswire network & Newsletters, News360, NewsCentral and media outlets such as Bloomberg, Business Week, Digital Journal, Individual, Equities, TradingCharts, Qtrade Financial, PredictWallStreet, Interactive Data, AIG, Bessemer Trust & etc. and many more..
As mentioned and linked to above, if you're expecting the hundreds of backlinks that press release distribution services provide to rocket your site to the top of SERPs, you might as well be waiting for Godot. Here's what happens when you upload and distribute a press release via a traditional wire service:
Press releases are an essential element of any public relations strategy. These short, compelling documents detail product releases, event announcements and other newsworthy items a company produces. As CEO of the tech PR firm Cutler Group, it's my job to help take the business dealings of innovative tech startups and turn them into press coverage — and one of the first steps my team and I take is writing good press releases on our clients' behalf.
Don't Syndicate. Once the preferred method of press release distribution, syndication is now dead. While some brands used to spend thousands of dollars each month to distribute their press releases, experts like Tim Grice have since come out to say that there is "no value in press release syndication for SEO purposes." Instead of taking this approach, share your press release with local media outlets. You'll enjoy a better ROI and your press release will get more traction.
Easy to use online format. Paypal payment a breeze. The Press Release will be sent in the morning. We're looking forward to seeing the news about the Heated Mouse Pro all over the Internet! Thank you!
BriefingWire.com lets you setup multiple Business Profiles which is great for client submissions. In fact, the company profile page provides a dofollow link, even before you submit your first release!
Make sure your press release reads well; concentrate on improving relevance and usefulness of the content. Most importantly, though, it should be short. A long press release will be hard to read, even if it is interesting, the reader is likely to stop reading at a certain point. So, make it short – it's as simple as that.
Widget Com also offers their exciting line of WidgetPro computers, the best on the market today. Each computer comes complete with OS W, Office, and wHome software. Widget Com phones and computers are consistently ranked #1 by Technology Weekly who reports, "These are truly the best products in the world."
3. You'll get a pretty report. The release distribution service(s) you choose will send you graphs and charts that detail how far and wide your news has spread. This will include the websites that picked up your news (there will be hundreds, but like a tree falling in the woods with no one to hear it, does content really exist if nobody sees it?), headline impressions (they don't really matter), page reads (a significantly lower number, that may or may not matter), and interactions/clicks (see previous parenthetical). These reports look impressive, but when you dive into the actual KPIs and ROI, the results of the distribution will probably leave something to be desired.
These fancy PR tools give us access to every reporter, producer and editor at every media outlet you can imagine, as well as thousands that you can't. They also allow us to track the ad value of each piece of media coverage, and let us know when media coverage goes live, including client mentions on TV. In short, if you can afford to hire a PR agency to manage your press release (or ongoing PR needs), you'll find immense and immediate value in the tools they have at their disposal. That said, it's still possible to DIY and get results.
This site has real promise by only looking at the homepage. There is a full page of information, including a few press release examples. The site promises plenty of positives like analytics and white papers. The site is also partnered with NASDAQ, an excellent resource for anyone who is looking for solid business release contacts. There is no information on pricing or how to submit a release. In order to get this information, you will have to first register with the site and create an account.
Using a standard package from PR Web, we created a generic Press Release by PR Web for an incredible book by Pamela Hodges called "How to Be a Cat." This book is so fun and catchy that some of my favorite authors like Marion Roach Smith, Joe Bunting, Jeff Goins, and Steven Pressfield gave incredible endorsements.
Well, for starters, a press release has several names; a press statement, media release or a news release. No matter what we call it, the purpose and identity of it remains the same. It is basically an officially recorded and written announcement which is issued by an organization for the target audience. To be exact, it is a compelling and short news story where the ultimate goal is to pique the interest of the target audience by containing all the information about an event (what, why, who, when, where, and how).
Next, follow the steps in the section below, so you know what to look out for and how to get your link published on a specific site. Please report any errors, so that everyone can continue to benefit.
Whether you're pitching your press release yourself or hiring somebody else to do it, make sure those pitches go out individually and not as a mass pitch to everyone at once. If you're hiring a PR pro to manage the writing and/or pitching of your press release, ask if they plan to mass pitch or individually pitch to their list, and insist on the latter up front.
Canonical tags should be utilized in the event that large chunks of text from your site will be pasted right into the press release, or you plan to place the press release directly on your site or blog.
So, when should you press 'send'? The general rule is 'early in the week, early in the day'. Unfortunately, there is no magic hour. If you're approaching someone who writes for a living, avoid late afternoon and Friday, when they are already signing off and might not remember your case the next time they sit at their desk.
Update: if you're interested in our thoughts on paid-for news wire sites, check out our mini-review of paid-for press release distribution services, alternatively read our survey about how and why journalists use press release distribution services.
RULE #4: Provide some good quotes. Even if your CEO is a complete idiot, don't make him sound like one by providing a quote that's a series of business clichés. Have him say something memorable and personal, if possible.
Talented Super Mom, Author & Former International Model – Birgitta Karlen – Drops by the GNY TV Show for Conversation with Host Ginger Broderick. RSVP For Studio Audience. Friday, March 9, 2018, MNN TV Studios, Spectrum Ch.34 & HD 1995, 2pm.
Now that we have told you about how you should you go about writing a press release, we are sure that you can write one on your own. But when you are writing, you must keep in mind the following tips;
The main goal of any press release is to garner the positive image of the business or company. Therefore, any press release which is written for positive purposes is considered as a positive press release because they have the positive spin to blanket even the worse situations if they arise.
theplace4vitamins.com was founded in 1997 to provide consumers with a wide choice of vitamins, supplements and herbal products. The site offers a range of articles, research materials and message forums for the health conscious consumer.
iReach's distribution options start with a basic, budget-friendly plan (SearchReach) and build from there (WebReach and WebReach Plus). Check out the plan comparison page for details about what's included with each one.
But don't try to be clever: most journalists will spend just a few seconds deciding whether something looks interesting. If they don't immediately understand what your story is about, they'll move on to the next thing in their inbox.
To maximize the reach of each social media post, build cross-promotional partnerships. This means making a pact with fellow filmmakers or bloggers/vloggers to share each other's posts. People are much more likely to share posts that have already been shared a few times. You can also mobilize your production team to do this, but it usually works best among parties that are each promoting something and spend a lot of time online.
Tweet It. If I've setup the client's Twitter account in PRLog, the release automatically is Tweeted as it goes live. Most likely, we've got Twitter set to auto-update Facebook, so it gets mentioned there as well. This step helps with indexing the release.
press releases distribution writing press release headlines
Unless the journalist has voluntarily agreed to honor the embargo in advance, usually via a legally binding non-disclosure agreement, the journalist is under no obligation to it. However, even in the absence of any obligation, news organizations generally do not break the embargo for sources that they wish to cultivate. If they do, then the agency or client that sent the release may blacklist them.

subset: commoncrawl


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Order essay
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Every year Valley Youth provides financial support to local young people who have ideas for initiatives, projects or groups and need some help to get them off the ground. For example, if you wanted to start a sports club but needed money to hire a venue or supply uniforms and other equipment for your team, this is something that you could apply for a grant for.
There are two types of grants: biannual grants and responsive grants.
Biannual Grants
Biannual grants are offered twice per financial year. Individuals, community groups, organisations and local businesses can apply for up to $5000, $10000 or $20000 for community activities, projects or substantial initiatives which fulfill one or more of the following goals: Enhance the wellbeing of individuals and community groups; Promote a clean, green and beautiful environment; Create a vibrant and diverse city with opportunities for all; or Provide a friendly and safe community.
Responsive Grants
Responsive grants are open all year round and close on the first day of each month. You can apply for up to $1,000 in two areas:
- Individual residents can apply for financial support to participate in sports, arts or educational activities.
- Local not-for-profit organisations or community groups can apply for projects that meet an emerging and/or unexpected community need.
Applying for a grant
When applying for a grant, your idea needs to fit certain criteria in order to be eligible. If you're a young person from the local area, Valley Youth can help you apply for a grant by providing you with advice around your idea and how to meet the criteria.
To view the guidelines of the grants and download an application form, go to www.mvcc.vic.gov.au/grants. For more information or support, please contact email@example.com
One example of a successful youth grant application is the North West Gaming Club. The North West Gaming Club is a group of young people based in Avondale Heights, who started their own games club. They meet once a fortnight to play video games and make new friends by hosting open sessions and holding game tournaments during school holidays. The group were successful in obtaining a community grant through the Moonee Valley City Council Community Grants program in 2016 and have been running great events for other young people ever since! Check out the North West Gaming Facebook page to read more about them.
You can also check out other groups that have been successful in getting a grant: Previous Grant Groups


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how many private investigators
are there in the UK
We get out our calculator and estimate how many private investigators there are in the UK.
It is not as many as you might have heard.
The figure of 10,000 Private Investigators in the UK has been in use for nearly 15 years, and maybe for longer. It first appeared in the early days of the Investigators' Sector Group. The ISG was formed by the investigator associations and other interested parties in response to the Private Security Industry Act 2001 and the expected licensing of investigators.
This figure was not based on rigorous research, and was not subject to peer review. It was a 'convenient' number for the discussions of the ISG with the Home Office and the Security Industry Authority.
How do you raise the profile of an industry sector to bring it to the attention of Government?
Private investigators, generally do not have the bad press; and are not seen as a threat to society. So you have to be able to show a significant number of investigators. Without either you will not get on the government radar.
The figure of 10,000 private investigators made it appear a significant sector; and there was no reliable data to judge whether it was accurate or not. It was a 'convenient' number.
The only figure we do know for certain is that recently released by the Information Commissioner's Office in a press statement dated 5 August 2010. It states:
"Currently only 1,626 private investigators appear on the public (DPA) register ... '
What the ICO did not make clear is that this was 1,626 legal entities, and not necessarily 1,626 individuals.
Sole traders have to notify individually, but limited companies have only to notify once for all employees.
What is clear is it is a lot less than 10,000
If all the notifications are for companies, and each company employed 6 staff, then that could be 10,000 private investigators.
However, the majority of private investigator businesses do not directly employ other staff.
When you consider the structure of the industry, and assuming most are honest people who will notify, then the figure of 10,000 private investigators looks less and less credible.
Based on the ICO number, and our knowledge of the sector our 'guess' is somewhere between 4,000 and 5,000.
But, no one knows for sure.
at Quality Investigators
or click on map to find a local private investigator


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Search Content
Ketamine cultivates new nerve cell connections in mice
Ketamine banishes depression by slowly coaxing nerve cells to sprout new connections, a study of mice suggests. The finding, published in the April 12 Science, may help explain how the hallucinogenic anesthetic can ease some people's severe depression.
The results are timely, coming on the heels of the U.S. Food and Drug Administration's March 5 approval of a nasal spray containing a...
Our brains sculpt each other. So why do we study them in isolation?
Brains have long been star subjects for neuroscientists. But the typical "brain in a jar" experiments that focus on one subject in isolation may be missing a huge part of what makes us human — our social ties.
"There's this assumption that we can understand how the mind works by just looking at individual minds, and not looking at them in interactions," says social neuroscientist Thalia...
News in Brief
When an older person's brain waves are in sync, memory is boosted
Nudging an older person's brain waves into sync temporarily boosts her recall powers. After about a half hour of precisely calibrated stimulation, people were better able to mentally juggle images seen on a screen, researchers report April 8 in Nature Neuroscience.The results are the latest example of technology that aims to improve thinking by reshaping brain waves, an approach that may...
Editor's Note
The science of CBD lags behind its marketingTreatments for pain and other common health problems often fall short, leading to untold misery and frustration. So it's not hard to understand the lure of a treatment that promises to be benign, natural and good for just about everything that ails you. Enter cannabidiol, or CBD.03/27/2019 - 07:15 Science & Society, Neuroscience, Nutrition
So far, the U.S. Food and Drug Administration has approved only one drug containing the chemical: a...
The CBD boom is way ahead of the science
A few months back, a new storefront appeared in my small Oregon town. Its shelves were packed with tinctures, jars of salve, coffee beans, bath bombs — even beard oil. This motley collection shared a single star ingredient: CBD.
Produced by the cannabis plant, CBD is the straitlaced cousin of marijuana's more famous component — the THC that delivers a mind-swirling high. CBD, or...
News in Brief
Epileptic seizures may scramble memories during sleep
SAN FRANCISCO — Seizures during sleep can scramble memories — a preliminary finding that may help explain why people with epilepsy sometimes have trouble remembering.
The sleeping brain normally rehashes newly learned material, a nocturnal rehearsal that strengthens those memories. Neuroscientist Jessica Creery and her colleagues forced this rehearsal by playing certain sounds while nine...
A single sweaty workout may boost some people's memory
SAN FRANCISCO — For some older people, the brain boosts from exercise can be almost immediate. Improvements in their thinking abilities after a single 20-minute bout of pedaling a stationary bike mirrored those produced by three months of regular exercise, according to a preliminary study presented March 24 at the annual meeting of the Cognitive Neuroscience Society.
In addition to...
Signs of new nerve cells spotted in adult brains
A tweaked laboratory protocol has revealed signs of thousands of newborn nerve cells in the brains of adults, including an octogenarian.
These immature neurons, described online March 25 in Nature Medicine, mark the latest data points in the decades-old debate over whether people's brains churn out new nerve cells into adulthood. The process, called neurogenesis, happens in the brains...
Women have a new weapon against postpartum depression, but it's costly
Approval of the first and only treatment in the United States specifically targeting postpartum depression offers hope for millions of women each year who suffer from the debilitating mental health disorder after giving birth.
The new drug brexanolone — marketed under the name Zulresso and approved on March 19 by the U.S. Food and Drug Administration — is expected to become available to...
A new ketamine-based antidepressant raises hope — and questions
With great fanfare, a new antidepressant entered the U.S. market in March, the first fundamentally new medicine for depression in decades. Based on the anesthetic ketamine, the drug — called Spravato — is intended to help people with severe depression quickly, taking effect within hours or days instead of the weeks that typical antidepressants take. But for all the hubbub, big questions have...


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December 2017 Calendar With Notes
May 27, 2017 December 2017
United States December 2017 – Calendar with American holidays. Monthly calendar for the month December in year 2017. Available in pdf word excel jpg format, free download or print.
December 2017 Calendar With Notes
DOWNLOAD: December 2017 (Word) | December 2017 (.Pdf)
You can seamlessly save the document to the cloud from Word on your Windows, Mac, Android, or iOS device.


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We love Missguided, they always have an amazing selection. If you are looking for on trend items at a great price, they never disappoint. We love the fact you can order something last minute and have it with you the next day, with their next day delivery service. Hattie and I are really into suede at the moment and we fell in love with these Missguided faux Suede biker jackets. They do them in a few colour options but the mustard and khaki were our faves. Although we have loved them so much we might have to go back and get them in another colour! The grey is also really gorgeous. They are so easy to style for day or night and will really add to your outfit. Suede is so on trend right now and this is such a great way to wear it. These jackets are perfect for spring/summer as they are nice and light.
For a day time look Hattie would pair her gorgeous mustard jacket with black jeans, adidas trainers and a simple black tee. I love this look it's so comfy but really striking and chic. I have paired mine with my favourite pair of ripped jeans also from Missguided, they do some amazing denim, these jeans are super comfy and are really on trend as ripped denim is huge right now. I would really recommend getting a pair as they are so reasonable and great for everyday but also look fab with heels. I am wearing my Khaki Jimmy choo high-tops which I love, they are so comfy and I love the embellished detail. I'm wearing a basic nude knit from ASOS.
For our evening look Hattie has kept her look really similar opting for a slightly more figure hugging black body and a pair of black tassle heels. I have swapped my denim for black jeans and some strappy black heels. I am wearing this gorgeous criss cross Body which is also Missguided. This lace up style is really in right now and perfect for a night out. This would also look great with a pencil skirt and heels for a more dressy look, but to keep things a bit more casual I have paired it with jeans and my khaki jacket.
We hope you love our looks,
Head over to Missguided to shop our looks and let us know if you need any advice, we are always happy to help especially when it comes to shopping!
Sinner High waisted Marbled skinny Jeans


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Baseball Player to Political Guru
BADs Founder - Jim Dantona
you met Jim
Dantona on the baseball field, you might never
know that that he makes his living in the political arena
as one of the most sought-after governmental consultants
in California, even working as an advisor to two U.S.
Presidents. Likewise, if you confronted him in the halls
of the Capitol building in Sacramento, his passion for
the game of baseball, his brief playing days with the
Chicago Cubs and California Angels, and his love for his
children might remain a secret. But these two worlds are
deftly interwoven, creating the foundation for Baseballers
Against Drugs.
over 30 years, this driven political animal has brought
his game face to Sacramento, Washington D.C.
and beyond. Since 1989 he has harnessed his passion for
the game, his concern for kids, and his business, political,
and baseball friends all together on the playing field
for children across America. This strategy has proven
very successful for BAD, which has reached over 60,000
children to date. Both Jim and his beloved non-profit
organization have received numerous awards and accolades
including 2003 Volunteer Organization of the Year by the
Association of Fundraising Professionals and the prestigious
FBI Community Leadership Award.
President of Governmental
Impact, Jim has worked the campaigns of dozens
of U.S. Senators and members of Congress and hundreds
of local representatives. With his diverse background
and results-oriented consulting firm, he has been a catalyst
for both environmental groups and developers. He has championed
organized labor and gone to bat for independent and small
business. He secured international investment for the
1984 Los Angeles Olympics (and was honored by Mayor Tom
Bradley for doing so) and helped fund a Veterans Memorial
in his own Simi Valley, California.
never taken a dime for his work with Baseballers Against
Drugs, though he has led its march across the country
since its inception. What started as a dream of playing
professional baseball for this 4-time Alemany High School
varsity baseball player (who still holds many school records
over 40 years later) has culminated in helping young boys
and girls to stay focused on their own dreams. With its
anti-drug, anti-gang, pro-education message, and with
baseball as the vehicle, Jim has united Major League and
Minor League ballplayers, corporate and political leaders,
teachers, coaches and clergy with caring families throughout
America to focus the energy of todays youth
into positive thinking and action. On the political
front, Jim
Dantona continues to this day to carry his competitive
edge into City Hall, the State Capitol, and the White
in learning more about Jim Dantona & Governmental
Visit: www.govimpact.com


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Haven't posted in about three months, but hey, it's all good…? Sure, that's what we'll say. 😉 anyway, I don't have a great "kick off the summer" post, because, guess what! My summer hasn't started! Exciting, eh? I still have a twelve page English paper, children's book written in Spanish, two biology finals, and two dance finals. That all said, I don't know why the heck I'm posting right now. Whatever… I found a hilarious Tumblr, and it is "story of my life" material! Here are a few/lot of images from teenagerposts.tumblr.com.
Soon to come: an awesome DIY repurposed t-shirt!


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Life Insurance For Children
Life insurance for children, also known as juvenile life insurance, is a policy purchased by an adult to insure the life of a child. The adult, most often a parent, guardian or grandparent, owns the policy until the insured child reaches the age of majority. (The term "age of majority" is the point at which a minor is considered by law to be an adult.
Each state determines the age of majority for insurance policies.) Once a child reaches the age of majority in his or her state, ownership of the insurance policy is transferred to him or her. He or she can then continue to pay the premiums in order to keep the policy in force or choose to surrender the policy for the cash value if it exists.
» Get Life Insurance Quotes For Children Now
The Basics
In most cases, the beneficiary of life insurance for a child is the parent, guardian or the adult who purchased the policy. Should the child die while the policy is in force, the death benefit would be paid to the owner of the policy. However, once ownership of the policy is transferred to the child at the age of majority, he or she is free to name a beneficiary of his or her choosing. He or she can continue to name a parent or guardian, or choose to name his or her spouse or own child as the beneficiary. This is why life insurance for children is referred to as the gift that can last a lifetime. Provided the premiums are always paid when due, the policy can remain in force for decades.
The minimum age at which life insurance for children can be obtained differs among life insurance companies but is most often around 16 weeks. The maximum age also differs among companies and states, but is usually not after the age of 21.
Benefits of Life Insurance for Children
Life insurance purchased for children can provide valuable protection for life. A policy purchased by a parent or grandparent for a child today can still be in force several years from now. A permanent policy, one that allows for investment and the opportunity to accumulate cash value over time, can provide a much-needed cash-cushion later in the child's life.
The cash portion of a permanent life insurance policy grows tax-deferred. A tax-deferred account usually grows much faster and larger than one that is taxed, as money is not deducted from the account in order to pay taxes. More money is left within the account to earn interest and compound over a number of years.
The cash value of the policy can be borrowed to pay college tuition, to purchase a home or to finance a business. Or, the value of the policy can be used as collateral for other types of loans. This type of investment can also help to provide for a comfortable retirement. Finally, the death benefit can be used to help protect that child's children, should they be named as beneficiaries on the policy.
The premiums paid on life insurance for children are the lowest possible rates available. Children are the healthiest segment of the life insurance pool and the premiums paid on a juvenile life insurance policy are usually paid for the longest period of time. And, a policy purchased early in life will ensure insurability later in life, even later in childhood.
For example, childhood illnesses such as asthma may trigger higher premiums not only later in childhood but later in life as well. Once a policy for a child is issued, an insurance company cannot cancel the policy as long as the premiums are paid according to the contract. Some life insurance companies will also attach a rider to the policy that allows the owner of the policy, either the parent or guardian while the child is a minor or the insured if he or she has reached the age of majority, to purchase additional life insurance coverage at specific times regardless of his or her insurability at that time.
Types of Life Insurance Policies Available for Children
Life insurance for children can be purchased as term life insurance or as permanent insurance. Single premium term life insurance will most often cover a child up to the age of 21. The death benefit usually ranges between $2,500 and $15,000, but can vary among life insurance companies. Term life insurance for children contains the same drawback that term life insurance for adults does: Once the term is over, the policy is over. A term policy can, however, almost always be converted to a permanent whole life policy once the child turns 21 or the reaches the age of majority in his or her state.
The premiums on a converted permanent policy will always be higher than those of the original term policy, and also higher than they would have been if a permanent whole life policy had been purchased in the first place. For this reason, most purchasers of life insurance for children are advised to buy the largest policy they can comfortably afford. By doing this, the cost to the child, even when he or she reaches adulthood, will remain affordable.
When to Purchase Life Insurance for Children
As with all life insurance policies, life insurance for children should be purchased as early as possible. For parents, who may have other significant financial obligations once the child is born, this may mean waiting a few years so that the premiums will not deplete the cash necessary for other expenditures. For grandparents, aunts, uncles or other older, more established relatives, this may mean purchasing a policy within a month of the child's birth.
Before purchasing a life insurance policy for a child, however, it is always wise to consult not only with the parents or guardian, but also with a tax advisor. While the earnings in a permanent policy will grow tax-deferred, the premium or premium will be considered as a financial gift to the child under state and federal tax law.
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A report from The New York Times on Thursday alleged that the NFL omitted over 100 concussions, including those of star players Steve Young and Troy Aikman, from foundational data used in 13 scientific studies from 1996 through 2001, all of which downplayed the frequency of head trauma in professional football.
In 1994, after several players retired early from football due to head injuries, NFL commissioner Paul Tagliabue established an independent committee to conduct research on the relationship between concussions and football. Teams at the time were instructed to report any head injuries to the league, no matter the severity. Those reports were logged in code, and the data was only seen by a select number of committee members.
"It was understood that any player with a recognized symptom of head injury, no matter how minor, should be included in the study," one paper said, according to The Times.
In confidential peer-reviewed documents at the time, the concussion committee wrote that "all NFL teams participated" and that "all players were therefore part of this study" (all quotes via the Times).
As the Times noted, 887 concussions were reported over the six-year period from 1996-2001. This number "served as the backbone" for 13 peer-reviewed research papers the committee subsequently published.
But after decoding and analyzing the data (you can read about their decoding process here), the Times found that the NFL omitted more than 100 concussions — including those of Aikman, who was forced to retire early from football due to several head injuries.
Over this six-year span, The Times reported, several teams (including Aikman's Dallas Cowboys) reported no concussions whatsoever. The papers' conclusions, which downplayed the severity of concussions in the NFL, came under fire at the time. From The Times:
Dr. Robert Cantu, one of the peer reviewers who at the time criticized the committee's analyses, said, "It should be an unmistakable red flag that a team does not report any concussions over multiple years."
In all, more than 10% of all head injuries were not included in the NFL's data, according to The Times' report.
When reached for comment on the story, the NFL called the Times' story "sensationalized" and reiterated their commitment to player safety. They also provided the following (excerpted) statement:
The studies that are the focus of the Times' story used data collected between 1996-2001. They were necessarily preliminary and acknowledged that much more research was needed. Since that time, the NFL has been on the forefront of promoting and funding independent research on these complex issues. Further, the data from the Mild Traumatic Brain Injury (MTBI) Committee studies have not been used in any way by the current Head, Neck and Spine Committee in its research on player health and safety. All of the current policies relating to player medical care and the treatment of concussions have been carefully developed in conjunction with independent experts on our medical committees, the NFLPA, and leading bodies such as the CDC.
More, from The Times:
In one paper, the committee wrote, "The Commissioner of the N.F.L. mandated all team physicians to complete and return forms whenever they examined a player with a head injury."
But after The Times described how it had identified missing concussions, the N.F.L. said this week that the studies, in fact, "never purported" to include all concussions.
As The Times also noted, the NFL has long claimed that the papers were vigorously peer-reviewed, which added legitimacy to their findings. However, in "over a dozen" pages of private conversations from the peer-review process, The Times found that other scientists tried to stop these papers' publications. From the paper:
One reviewer wrote, "Many of the management of concussion suggestions are inappropriate and not founded on facts." Another said the committee's assertion that the league was handling concussions too cautiously was not proved and was therefore "potentially dangerous."
In response to inquires from The Times, the NFL said that teams were "not mandated" to participate in the, only "strongly encouraged. Furthermore, a spokesman told The Times that some teams "did not take the additional steps of supplying the initial and/or follow-up forms."
And, the league also said that some concussions went undiagnosed because players hid symptoms from team doctors.


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So I finally got round to starting a blog. And you'd think that's a simple matter these days.
There are many blogging tools and applications available, Wordpress, Joomla, Tumblr, Blogger, Ghost, etc. One thing I knew I didn't want was a hosted blog, 'cos, you know, I'm a developer and must have control over everything!
So Wordpress.com, Tumblr and Blogger were out. I knew I didn't want to have a costly hosting solution either and have to worry about uptime, server maintenance, etc, so Wordpress, Joomla, and so on were out.
I turned my attention to Ghost since hearing about it's kick starter campaign so set about getting that installed on my local machine. Ghost is awesome. Super simple to setup, runs on node.js, looks pretty, write in markdown, themes, etc etc. Seemed perfect. The only thing is that it runs on node, this means I would need a node hosting solution, and would likely still have to deal with uptime, bla bla bla. So I got to thinking, "I wonder if there is a static site generator for Ghost?"
So I set about trying to find a static site generator for Ghost. As it turns out, some clever soul made just the thing, AND it integrates with Github pages automatically (awesome, right?). The product is called buster, as in ghost busters, geeks are clever like that! Anyway, another node app later and I have buster installed. Super easy to operate, just run the buster command, point it at your Ghost local server, and voila, a static version of your Ghost site. A few config options later and the repo is updated on Github.
I'd heard of Github Pages, a free static hosting solution that turns a branch on a repository into a website. You can even have custom domain names. I like the sound of this, utilise Github's infrastructure, perfect.
Awesome sauce, free hosted blog, with free open source tools, this made me very happy. Well done me I thought.
So in principle, job done, all good to go. That was until I realised that in order to write blog posts I had to be sat in front of my computer. Who wants to do that these days? I have a 30 minute commute to work each day, 15 of which is spent sitting on a subway train, AND/OR standing on a hot ass platform. I wanted to make use of this time, aside from listening to Spotify, it seemed like I could use this time to my advantage. The only problem is that my blog resided within Ghost, and I had no way to get it out. There had to be a better solution to this.
So, blog mark 1 was successful, however didn't quite fit the bill for the workflow I wanted. Next up, Jekyll!
I'd heard of Jekyll when looking at Github pages. GH pages uses Jekyll on the server side to process the static files. This seemed like a good starting place so I went ahead and started researching Jekyll.
The main issue I found with Jekyll was the amount if configuration options. The website goes into a lot of detail about how to set things up, which is great, it's just a little daunting to a noob. The platform is very powerful, but with great power comes great responsibility! Jekyll seemed just a bit too over the top for my needs, I just wanted a simple blog that i could write in markdown format. Additionally Jekyll is written in ruby, and not knowing ruby, if I ever wanted to write an extension or adapt it in any way, I'd have to learn ruby, and my days are busy enough as it is.
I kept searching, adamant that there must be a simple blogging tool that would let me write markdown files and push them to Github pages as static files. Luckily my colleague came to the rescue, with a recommendation, enter Hexo.
Hexo is a simple, node based, blogging application, with a built in static site generator, AND Github pages support. Getting setup is super easy, and customizing the template was pretty straight forward too. I was able to get a blog installed and setup within 30 minutes. Hexo comes with all the usual blogging functionality you'd expect, posts, pages, categories, tagging, etc. There's a preview mode that allows you to view the blog before you publish it. Posts support front matter in YML format to set date, title, tags, etc. It all works as expected. Great, good to go, first blog post up, now what.
So there I was, sitting on the train, writing a blog post in the notes all on my iPhone and feeling all smug. Then it dawned on me that there is one more step I could cut out of the process, the copying and pasting/updating of blog posts from notes to markdown files. It occurred to me that if I could find a git client for iOS, I could write the posts directly on my phone, commit and push them, thus allowing me to edit the raw posts themselves and negating the need to copy and paste. I came across GitMongo and found out it did exactly what I was after. Whilst the editor is a little on the basic side, and breaks words and screen bounds (quite annoying), it does work well enough.
So I used GitMongo to write draft posts, then preview them on my desktop to make sure it all looks good, do any cleanup neccessary and then publish the post. One additional thing I did to aid the workflow was to use the master branch of my repo to hold only the blog posts, I then include this as a got submodule within a hexo branch to keep things nice and clean and separated.
If you want to have a look at how all this works, just clone out this blog, it's public on Github