Ideas for Naming Your Baby (attention deficit disorder)
No commentsBy Irvin Mcclain
Getting ready for a new baby can be exciting, exhausting, and exhilarating all at once. One of the most challenging obstacles for new parents can be choosing a baby name. A name will identify your child throughout their life, people will form opinions about your child based solely on their name, and the name you choose will also play a role in molding your child’s personality and behavior. Learning baby name meanings is a good first step in narrowing your choices.
Biblical and Hebrew Names
Biblical and Hebrew names are probably the most popular names in the United States. Michael is consistently one of the most popular name for boys. In 2004 it was second, with the other four top five boy’s names in order being Jacob, Joshua, Matthew, and Ethan. The origins for all are biblical or Hebrew. Biblical names for girls also endure consistent popularity with Hannah, Abigail, and Samantha being in the top ten most popular. Sarah, Rebecca, and Jessica also have enduring usage.
Vintage Names
It is sometimes possible to “date” someone by knowing when their name was popular, especially for fad names that are used for only a short period of time due to the current popularity of a singer, movie star, or fictional character. Consider Marilyn, Jacquelyn, and Shirley, all examples of names that became popular for brief periods because of public figures. Another source of old-fashioned sounding names is classic literature.
Baby name meanings are often less important in vintage names, since usually the original meaning is secondary to the cultural associations. Girl’s names seem to be more subject to trends and fads, as well, with boy’s names changing less. For old fashioned names, look to your grandparents or great-grandparents, books, and movies from the era you would like a name from.
Ethnic Names
Choosing a name based on your ancestry can be a way of showing pride in your heritage and passing that on to your child. Names from other cultures can also be a way of giving your child a less common name, but without some of the negative associations that can come with making one up. You can look to other languages for different spellings of common names, too. Using a common name in a foreign language can result in a distinctive name for your child, for instance the Swedish Mattias instead of Matthew.
Another option for a distinctive name is to use family names. Find out what your grandparent’s or great-grandparent’s middle names are. Using a mother or grandmother’s maiden name can be a way of providing a unique identity for your child while preserving family ties and heritage.
Unisex Names
Choosing a unisex name can be an easy compromise rather than coming up with a “boy name” and a “girl name”, but it is rarely necessary now that most expecting parents know the gender of their child before birth. Unisex names can seem stylish and clever, but be aware that gender confusion can upset children. It’s a safer choice to give a unisex name like Mackenzie, Tracy, or Morgan to a girl. It is more accepted for women to go by seemingly masculine names than for men to go by feminine sounding names. Plenty of girls with feminine names like Samantha or Maxine may even go by shortened forms that are male names like Sam and Max.
Hollywood Names
Hollywood often sets the style for baby names, just as it does for so many other trends. The rich and famous rarely give their children common names. They range from the old-fashioned and classic to made up and unique to downright strange. Consider Frank Zappa, who named two of his children Moon Unit and Dweezil. Madonna’s children are named Lourdes and Rocco. Nicole Kidman and Tom cruise named their children Isabella Jane and Connor Anthony. They traverse the spectrum, but one thing almost all celebrity children have in common is that their names are not.
Creating a Name
Making up a name for your baby is becoming more popular, but it is still a choice you should consider carefully. There is some evidence of job discrimination when it comes to applicants with extremely unusual or made up names. Your child may also be subject to frequent mispronunciation by teachers and later coworkers. Creating a new name can also give your child a strong sense of identity, as with using a word not normally thought of as a name. Make sure you check dictionaries and other reference sources if you make up a name, though. It could already be an obscure word that may potentially embarrass your child.
Names and Personality
The name you give your child can go on to affect their personality, their behavior, their self-worth and their identity. Choosing a strange and unusual name can make your child a target for teasing and bullying. While using words for names, or making them up entirely, is gaining some popularity, your child will probably still encounter prejudices based on their given name. Some children may even choose to change their names as adults or to use their initials instead of given names.
Using a name that is extremely common also has its pitfalls. If you select an extremely popular name for your child, like Matthew, Brittany, Dylan, or Ashley, it’s probable that he or she will be one of several in his or her class at school. While that may not be an issue for your child, some may feel as though it is difficult to establish an independent identity. Others may feel that they don’t fit in if they are identified differently than other children, such as by last name or first name and an initial, if other children aren’t also identified that way.
Tips for Choosing a Name
Try saying the name out loud. Make sure it sounds good with your last name. It may take some time for you to get used to it. Avoid names that can easily be turned into taunting nicknames. See if the name you like rhymes with any words likely to be used in an insult. You might not want to use Bart as a nickname if you choose to call your son Bartholomew.
Check to see if the initials spell anything potentially embarrassing. If you are making up a name, check the dictionary first. Urban legends are rife with stories of children named something embarrassing by unwitting parents. Remember that your child’s name will be with them for life. Choose something that they will be proud of.
Coming up with prospective names for your child doesn’t need to be difficult and fraught with arguments. Discovering the different name origins of common monikers can be both fun and educational. Even if you have already decided to use a name that has been in your family for generations, learning baby name meanings can still be fun.
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Self Directed IRA And 401k Prohibited Transaction Basics
By Jeff Nabers
The most notable difference between endeavors down the path of using a self directed IRA versus traditional investing is the unique rules that apply to the former. The extremely simple rule is that an IRA (specifically) cannot buy life insurance or collectibles (such as rugs, works of art, alcohol, bullion).
The more involved rule is known as no self dealing and is described in Internal Revenue Code section 4975. This rule basically says that for each retirement plan/account, there is a list of disqualified persons with whom that plan cannot do business. These DQPs include:
1. The accountholder/participant and any other fiduciary (person who makes investment decisions for the plan)
2. Companies who provide services
3. A member of the family of #1 or #2 above (family defined as spouse husband/wife, ancestor parents, grandparents, etc, lineal descendants children, grandchildren, etc, and spouses of lineal descents)
4. A corporation (or other entity) that is 50% or more owned (directly or indirectly) by #1, #2, or #3 above
5. An officer, director, 10% or more owner, or highly compensated employee of #4 above.
6. A 10% or more (in capital of profits) partner or joint venturer of #4 above
Every self directed IRA/401(k) investor should make this DQP list before making any investments.
Too many people seem to think of the list as only the accountholder and his family. As you can see it is a bit more involved than that. This doesnt require calculus, but you should actually write out the list step by step to ensure that it is complete. This list can actually get quite extensive if you, your family member, or anyone who provides services to your plan has ownership in several companies.
So, what is a prohibited transaction?
In a nutshell, when a DQP transacts with a plan it is a prohibited transaction (abbr PT). The trick here is what is considered to be a transaction. This is generally defined in IRC 4975 as when one of the following happens between a plan and DQP directly or indirectly:
* sale, exchange or lease of property
* lending of money or extension of credit
* furnishing of goods, services, or facilities
So I consider that to be the general rule. There are a couple of special rules and they consider a PT to also include:
* When plan assets are transferred to, used by or creating benefit to a DQP
* When the accountholder/participant directs his plan in his own interests (to benefit him now instead of through a proper distribution)
* When the accountholder/participant receives compensation from anybody in connection with plan income or assets
The reason I call these last three items special rules is because they transcend the 50% rule in determining when corporations are DQPs. In other words, if XYZ Corp is owned 49% by the accountholders mother then XYZ Corp isnt techinically a DQP. Buuuuuut, if the plan then transacts with XYZ Corp it is obvious that the transaction might violate one of these special rules simply because you cant ignore that the mothers position in XYZ Corp was probably considered in the decision to direct the plan into that transaction.
All in all, a little common sense goes a long way. The intent of IRC 4975 is to obviously keep the plan out of transactions connected to people that the #1 & #2 DQPs might be able to control or use as a strawperson. So, clever concoctions that aim to evade prohibited transactions rules by a technicality often times still violate the last 3 special rules. It all comes down to intent, and this is something that DOL (the Department of Labor the government agency that solely bears the responsibility and authority to interpret prohibited transaction expemtions) concludes based on assembling a fact pattern.
So the directly or indirectly part of the rule allows them to let some common sense override the technical rules. It also means that if a plan invests into an entity (Corp, LLC, etc) and that entity invests with disqualified person, it may still be a PT. More on that (plan asset rule) in a later post.
In summary, every self directed IRA/401(k) investor should make a disqualified person list before doing any transactions that involve the plan. Overlooking this is on par with a teenager not making and reviewing a budget because he thinks he can learn from and apply the concepts without actually doing the budget. Once this list is made, prohibited transactions can easily be avoided as long as the plan is never involved in any deals connected to anyone on the DQP list.
Learn more about Jeff Nabers, his consulting firm and the benefits of a self directed ira at www.Nabers.com or call his firm at 877-903-2220.
Making Baby Shower Invitations for Free
By Gail Logan
Preparing for a baby can be very costly. The parents will have to save for the hospital expenses, the baby clothes, the infant formula and the regular medical check-ups.
In this case, if the friends of the parents-to-be and relatives prepare a baby shower party, it can help a lot in minimizing the parents burden in the costs when the baby is delivered.
The baby shower is usually done one or two months before the baby is born. It is discouraged to schedule the baby shower during the month that the baby will be born. At times, the baby shower is held after the baby is born so gifts can be more specific for a boy or a girl.
Regardless of the date when the baby shower is held, the reason for it is to celebrate the birth of a child. The parents’ friends and family share with them the joy of welcoming the child into the family.
During baby showers, the guests may bring baby clothes, toys, cribs and other necessities for the baby. The parents may also decide on what gifts they would like to receive to eliminate accumulation of the items that they already have.
In as much as the baby shower party is usually done before the baby is delivered, the party’s theme is still directed towards the baby and the mother. Therefore, the person who is throwing the baby shower should choose the theme very carefully.
Before sending out the baby shower invitations, make sure that you have already decided what will be the baby shower theme.
If you are preparing a baby shower for a member of your family or friend, make sure that you have prepared the guest list ahead of time. If possible, check with the mom-to-be to see if the guest list and the date are fine, unless you are planning a surprise party.
Sometimes, several baby showers will be held for the mm and the baby. The co-workers, the churchwomen, and family members may prepare separate baby shower parties that the person who will organize the baby shower has to be careful about selecting the date of the baby shower party. It is always better to coordinate with the mom-to-be.
Once you have decided on what will be the theme for the party, you may have invitations printed or search free baby shower invitations on the internet.
Of course, most of the people who organize party prefer the free baby shower invitations that they can customize at home. This lessens the cost of printing invitation cards. This also allows the host to edit the invitation according to preference unlike invitations that can be bought or ordered.
What is even better about online invitations is that some companies can work with you in addressing and mailing the baby shower invitations.
When you start preparing the invitations, make sure that you have enough time to send them. The invitations should be mailed between four to six weeks before the party. You also have the option of sending a baby shower invitation online, although having a printed and mailed invitation is still recommended.
After preparing the guest list, selecting the date and sending out the invitations, the next thing you need to do is to prepare the program, the games and the food to be served during the party. Good suggestions can be found online so just search and develop the idea to personalize the party.
Learn about bird seed storage, buying a hamster and other information at the Interesting Animals site.
Saturday, October 31st, 2009 at 5:05 pm and is filed under education. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.
