Friday, July 15, 2016

The Story of Goldilocks and the Three Retirement Contributions

Goldilocks and the Three Bears
Once upon a time, Goldilocks went for a walk.  Pretty soon, she came upon her bank.  She asked the bank teller for her retirement account balance and when she was shown the number, she wept.
Goldilocks returned home to assess her budget and see where she could come up with some extra money to make regular IRA contributions. She thought about quitting her latte habit. $3 saved per day could grow to $177,706 in thirty years.
“This idea is too soft!” she exclaimed.
So she returned to her budget and considered cutting her housing and utility expenses in half by downsizing to a much smaller home. $1200 saved per month could compound into $2,389,653 in thirty years.
“This idea is too hard,” she said.
So she returned to her budget and took aim on her transportation costs. If she sold her car and used her city’s excellent public transportation system instead, she could save $780 per month. In thirty years, her retirement fund could blossom into $1,553,275.
“Ahhh, this idea is just right,” she said happily. Goldilocks sold her car, walked back to her bank, and made a contribution to her retirement account.
Thirty years later, Goldilocks retired, and lived happily ever after.
THE END
For illustration purposes, results were calculated at 10.00% ROI compounded annually. The actual rate of return is largely dependent on the type of investments you choose. Over the most recent 30 year span, from January 1, 1980 to December 31, 2009, the compound annual growth rate (annualized return) for the S&P 500, including reinvestment of dividends, was 11.29% (source). Total savings are calculated in actual dollars (not inflation-adjusted). A common measure of inflation in the U.S. is the Consumer Price Index (CPI), which has a long-term average of 3.1% annually (from 1925 through 2008).
same thing applied on betting, you can try yourself here judi domino terpercaya

The Investment Risk-Return Correlation

Q: Pam asks, “After my portfolio value dropped by 40%, I panicked and pulled out of the stock market. I have $150,000 sitting in my savings account, earning squat. I know I should put it back to work, but with the state of our economy, I don’t know what to do with it. Any thoughts?”
A: If you’re terrified of the volatile economic climate today and would be an insomniac if you were invested in the market, perhaps it’s best to keep it parked until you are emotionally and behaviorally ready to stomach the ride and stick to a strategy. Preserve your capital while you take some time to reassess your goals and risk tolerance, determine an appropriate (perhaps more conservative) asset allocation, and explore various investment strategies to find a good fit for your goals and personality.
First, let’s address the risk-return correlation. In subsequent posts, I’ll tackle the other pieces.
Generally speaking, the goal of an investor is to be compensated for the amount of risk they take. Better yet, the investor seeks out the best risk-adjusted return — I’ll discuss this piece later.
If you are willing to accept high volatility (investment risk) for a high potential return, consider investing in a diversified portfolio of:
    • aggressive growth funds
    • small cap stocks and funds
    • micro-cap stocks and funds
    • foreign company stocks
    • international funds
    • sector funds
    • precious metal funds
    • emerging market funds
If you are willing to accept moderate volatility (investment risk) for amoderate potential return, consider investing in a diversified portfolio of:
    • large cap stocks and funds
    • S&P 500 and Wilshire 5000 index funds
    • convertible bonds
    • high-yield (junk) bond funds
If you are willing to accept low volatility (investment risk) for a low potential return, consider investing in a diversified portfolio of:
    • high quality short and intermediate term municipal and corporate bonds and bond funds
    • US savings bonds
    • Treasury bills and notes
    • fixed annuities
    • money market mutual funds
If you are willing to accept very low volatility (investment risk) for avery low potential return, consider investing in a diversified portfolio of:
    • CD’s (Certificates of Deposit)
    • money market deposit accounts
    • interest-earning checking accounts
    • savings accounts
the sample of a good investment is on a betting site here you can go kiu kiu online

Wednesday, July 6, 2016

The Investment Risk-Return Correlation

Q: Pam asks, “After my portfolio value dropped by 40%, I panicked and pulled out of the stock market. I have $150,000 sitting in my savings account, earning squat. I know I should put it back to work, but with the state of our economy, I don’t know what to do with it. Any thoughts?”
A: If you’re terrified of the volatile economic climate today and would be an insomniac if you were invested in the market, perhaps it’s best to keep it parked until you are emotionally and behaviorally ready to stomach the ride and stick to a strategy. Preserve your capital while you take some time to reassess your goals and risk tolerance, determine an appropriate (perhaps more conservative) asset allocation, and explore various investment strategies to find a good fit for your goals and personality.
First, let’s address the risk-return correlation. In subsequent posts, I’ll tackle the other pieces.
Generally speaking, the goal of an investor is to be compensated for the amount of risk they take. Better yet, the investor seeks out the best risk-adjusted return — I’ll discuss this piece later.
If you are willing to accept high volatility (investment risk) for a high potential return, consider investing in a diversified portfolio of:
    • aggressive growth funds
    • small cap stocks and funds
    • micro-cap stocks and funds
    • foreign company stocks
    • international funds
    • sector funds
    • precious metal funds
    • emerging market funds
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If you are willing to accept moderate volatility (investment risk) for amoderate potential return, consider investing in a diversified portfolio of:
    • large cap stocks and funds
    • S&P 500 and Wilshire 5000 index funds
    • convertible bonds
    • high-yield (junk) bond funds
If you are willing to accept low volatility (investment risk) for a low potential return, consider investing in a diversified portfolio of:
    • high quality short and intermediate term municipal and corporate bonds and bond funds
    • US savings bonds
    • Treasury bills and notes
    • fixed annuities
    • money market mutual funds
If you are willing to accept very low volatility (investment risk) for avery low potential return, consider investing in a diversified portfolio of:
    • CD’s (Certificates of Deposit)
    • money market deposit accounts
    • interest-earning checking accounts
    • savings accounts

Judi domino android

Situs judi poker indonesia hadir bagi anda yang ingin merasakan sensasi seolah berperan menjadi seorang dewa judi dengan uang asli. Permainan kartu untuk hp android ini sangat ringan dan bisa dimainkan kapan saja setiap saat menggunakan mobile phone, tablet, atau smartphone anda. Konsep real-time strategy yang diusung pada aplikasi game online ini juga menambah nilai plus tersendiri karena bisa terhubung dengan akun jejaring sosial yang anda miliki.
Permainan poker online terbaik ini sangat populer dan banyak diunduh di Indonesia karena anda bisa bermain bersama teman-teman di facebook. Walaupun begitu, ada pilihan juga untuk modus offline apabila anda sedang ingin mencoba melawan situs server / komputer secara tidak online. Maka, 77dewa memberikan link download gratis ini bagi anda yang ingin mengasah ketajaman pikiran dalam memainkan kartu dan merasakan situasi betting yang nyata lewat android.
Bagaimana cara main poker online di android? Situs developer Domino Qiu Qiu atau yang juga dikenal sebagai poker Domino 99 ini menyediakan berbagai menu yang menarik bagi maniak gamer di Indonesia, silahkan anda coba:
  • Download permainan bet online Poker 77dewa pada link berikut
    Download Game Online Gratis
  • Login melalui akun facebook bila anda ingin terhubung secara online pada server situs poker online tersebut
  • Tambahkan rekan atau kerabat pada daftar pertemanan anda di akun FB untuk mendapatkan tambahan poin
  • Chat dan mengobrol secara langsung untuk berdiskusi strategi paling tepat dalam menghadapi lawan
  • Bila ingin melakukan cheat atau trik terselubung, jalankan secara wajar agar mitra tanding anda tidak curiga
  • Raih kemenangan secara kontinyu agar poin anda semakin banyak. Tukarkan dengan hadiah menarik seperti voucher pulsa, uang, tiket perjalanan, dan motor.
Perlu diingat bila ingin menggunakan fasilitas deposit via bank lokal (BRI, BNI, BCA, BII dan Mandiri) harap MENGHINDARKAN FITUR TERSEBUT karena memiliki resiko yang tinggi dan kurang baik bagi manajemen keuangan anda!!!
Judi domino android ini niscaya akan memberikan hiburan bagi anda yang menyukai permainan menatang yang selain seru dan menyenangkan tentunya kita juga bisa mendapatkan uang darinya. silahkan mencoba http://www.77dewa.net . 

Sunday, June 19, 2016

99dewa.com Agen Judi Poker, Domino dan Ceme Online Indonesia Terpercaya

99dewa.com Agen Judi Poker, Domino dan Ceme Online Indonesia Terpercaya, situs atau agen judi online anda bisa langsung daftar gratis tanpa di punggut biaya, untuk pendaftaran di situs agen poker 99dewa, akan tetapi, bila anda ingin bermain poker atau domino online anda harus deposit terlebih dahulu, anda tidak perlu keluar duit banyak untuk bisa menikmati permainan poker maupun domino online di 99dewa hanya dengan minimal deposit yang nominalnya tidak mencapai ratusan bahkan jutaan rupiah,anda sudah bisa memainkan permainan seperti judi poker maupun dominol online di 99dewa
18dewa Agen Judi Poker , Domino dan Ceme Online Indonesia Terpercaya

99dewa dan berikut Cara Bermain Poker The Blinds Dalam permainan Hold'em, player yang mendapatkan button atau tanda "D" biasa disebut "the Dealer Button". Sebelum kartu dibagikan, player pertama yang duduk searah jarum jam disamping playe,r yang mendapatkan button D secara otomatis, akan meletakkan chips diatas meja sejumlah "Small Blind", selanjutnya player disamping Small Blind, ini yang searah jarum jam secara otomatis akan meletakkan chips sejumlah "Big Blind" , dimana jumlah "Big Blind" ini adalah 2x lebih besar dari jumlah "Small Blind". Sebelum player menentukan pilihan meja untuk bermain, player dapat menentukan jumlah ketentuan limit "Small Blind" dan "Big Blind", yang mereka inginkan, ini dapat dilihat dari angka misalnya 300/600, 500/1000, 1000/2000 atau yang lainnya. Setelah semua proses diatas selesai, kini dealer akan membagikan 2 hole cards, ke masing-masing pemain. Selanjutnya proses betting, akan dimulai searah dengan jarum jam, dimulai dari pemain yang duduk disamping "Big Blind".Pre-FlopSetelah semua pemain masing-masing telah mendapatkan 2 kartu, kini setiap pemain mendapatkan opsi untuk memainkan kartu mereka dengan pilihan "call", "raise", atau "fold".The Flop Setelah sesi Pre-Flop selesai, kini dealer akan membagikan 3 kartu diatas meja dengan posisi terbuka, ini disebut dengan The Flop. Pada putaran ini, opsi pilihan betting selanjutnya jatuh ke pemain yang duduk disamping "dealer button" searah jarum jam. Opsi yang bias dipilih adalah sama seperti opsi pada Pre-Flop, namun ada satu tambahan opsi Check, jika pemain tidak ingin melakukan betting dan selanjutnya akan berlanjut ke pemain berikutnya.The Turn Ketika sesi betting pada The Flop telah selesai, dealer akan membagikan kartu keempat diatas meja, sesi ini disebut dengan The Turn. Putaran taruhan berlanjut sama seperti sesi The Flop The River Ketika sesi taruhan pada sesi The Turn selesai, maka selanjutnya dealer akan membagikan kartu terkahir, yaitu kartu kelima diatas meja, sesi ini disebut dengan sesi terakhir atau The River.

99dewa, Opsi pilihan betting sama seperti yang disebutkan diatas.The Showdown Jika terdapat lebih dari satu pemain yang tersisa pada sesi The River, maka pemain terakhir yang melakukan pemasangan taruhan adalah, pemain yang akan membuka kartu duluan, kecuali tidak ada yang melakukan pemasangan taruhan maka player yang berada disamping "dealer button" lah yang pertama akan membuka kartu.

99dewa Pemenang ditentukan berdasarkan pemegang kombinasi kartu terbaik 99dewa Agen Judi Poker Domino Online Indonesia Terpercaya

    1. Check - Jika player sebelumnya tidak ada melakukan pemasangan taruhan, maka pemain selanjutnya dapat melakukan opsi pilihan Check, jika semua pemain melakukan Check maka sesi putaran taruhan tersebut dianggap selesai dan sesi baru putaran selanjutnya dimulai.
    2. Bet - Jika tidak ada taruhan yang dilakukan sebelumnya maka pemain dapat memilih opsi pilihan Bet. Jika pemain melakukan Bet, maka pemain selanjutnya dapat memilih opsi antara Fold, Call atau Raise.
    3. Fold - Opsi pilihan Fold adalah pilihan yang dilakukan oleh seorang pemain jika pemain tersebut menyerah. Pemain tersebut tidak dapat melakukan pemasangan taruhan lagi dan dianggap gugur.
    4. Call - Jika terdapat pemasangan taruhan pada pemain sebelumnya, pemain selanjutnya dapat mengikuti besaran nilai taruhan tersebut dengan memilih pilihan Call.
    5. Raise - Jika terdapat pemasangan taruhan pada pemain sebelumnya, pemain berikutnya dapat melakukan penambahan dari nilai taruhan sebelumnya dengan melakukan pilihan Raise, atau jika pemain tersebut ingin menghabiskan semua chips yang dimilikinya diatas meja maka pemain tersebut dapat melakukan pilihan All-In

99dewa Agen Judi Poker, Domino dan Ceme Online Indonesia Terpercaya - website yang juga akan memberikan layanan permainan Domino online teraman dan terpercaya dan tentunya untuk anda yang berada di Indonesia, anda tidak perlu ragu bila bersama 99dewa agen ceme online ,karena segala sesuatu yang didukung dengan profesional permainan online disini akan benar benar terbukti nyata sehingga tidak akan ada tipu daya ataupun permainan robot sitem yang memberatkan member memperoleh kemenangan.

sebuah server lokal yang telah teraklereasi dengan teknologi terbaru dan terbaik layanan judi poker online yang memiliki tingkat keamanan yang akurat dan kecepatan yang terdeteksi sehingga akan benar benar menciptakan suatu keadaan permainan di judi online yang setabil dan penuh warna,dengan didukung pula oleh bank-bank lokal Indonesia.

Wednesday, June 15, 2016

From Minimum Wage…

Money was a constant source of tension and stress when I was growing up. My parents were intelligent, well-educated and hard-working, yet they lived paycheck to paycheck. When I was 13, they divorced, then my mom struggled to raise three kids, often relying on free lunch tickets and food stamps. As my mother approach retirement age, she was riddled with anxiety over the fact that she hadn’t saved for her golden years. My father had always been (and continues to be, even in his 70’s) a workaholic — my siblings, his grandkids and I have always wished he’d figured out a way to work less and spend more time with us instead.
I started my adult life working a series of dead end jobs, earning minimum wage.
As a young adult, I dropped out of college and spent the next couple of years drifting from one minimum wage job to another, paying more attention to the boys I was dating than to my financial future. I ended up broke and alone after my fiancĂ©e and I broke up. I learned that I couldn’t count on Prince Charming to sweep me off of my feet and take care of me.
My parents were struggling to make ends meet, so I couldn’t go home and become a burden on them. I abandoned my broken-down car, reduced my rent by sharing a one-bedroom apartment with three other women, and scarfed down free food during Happy Hour at our local bar (free appetizers with the purchase of a $2 draft). I learned to be resourceful and to do whatever it took to survive.
One night, while working the graveyard shift at a donut shop and pouring coffee for a homeless woman, I realized that I was one paycheck away from being homeless myself. That was my wake-up call. Motivated by fear of an uncertain future, I opened the Yellow Pages, called professional dog trainers and negotiated an unpaid apprenticeship. Less than a year later, I was hired by my mentor, and I loved the work. A couple years later, I started my own successful dog-training school. I learned the power of asking for what I want.
23 years ago, I got married. (No, that’s not how I became a millionaire… He was a construction worker, earning just $8 bucks an hour…) Anyway, by the time we had celebrated our second wedding anniversary, it was obvious that if our marriage was to survive, we needed to move away from his family. Quite frankly, my in-laws thought that I should “wear the skirt” and demonstrate subordination to their son, and since I was a “strong-minded” woman, they were not supportive of our relationship. I learned it was critical to reduce my exposure to toxic people. We packed our belongings and moved to Colorado.

…To Millionaire Mommy!

Money ranks as the first most argued topic for many couples. It has been estimated that an astounding 80% of divorces are the result of money disagreements. Having a child is considered the single best indicator of financial collapse.
I wanted a family, but I didn’t want to be one of those statistics.
My choice to form a family through adoption rather than pregnancy was a decision I made when I was an idealistic teenager. (The way I figured it, why “make my own” child when there are countless orphans dying for a family already?) Since I planned to adopt, my biological time clock wasn’t a ticking time bomb. When I was 30, I decided to achieve financial freedom before adopting our daughter because I didn’t want to repeat our parent’s experiences. Both my husband and I grew up with young, struggling, work-all-the-time parents and quite frankly, that often stunk. We didn’t want money issues to negatively impact our family.
Over the course of the next couple years, I made it my mission to learn about personal finance, investing, entrepreneurship and lifestyle design. With this newfound knowledge, I created a plan that would allow my husband and I to be free of our money worries.
And it worked! By age 40, we were 100% debt free and had over a million dollars in the bank!
Today, we are proud and happy stay-at-home parents to our amazing young daughter. Financially free, our family hasn’t set an alarm clock in years.Whether it be work, parenting or play, we wake with the sun, eager to spend each new day doing whatever we choose.
We consider ourselves “closet millionaires”. You’d have no clue that we’re millionaires by looking at our Stuff. Our family lives a typical middle-class lifestyle with one fantastic exception– we only work when we want to. Financial freedom affords us the gift of free time.
Contrary to popular belief, most millionaire households do not live the extravagant lifestyles that many assume. In fact, a millionaire or two may be living inconspicuously next door to you! The authors of the bestseller, The Millionaire Next Door: The Surprising Secrets of America’s Wealthy, found the top reason for why some people manage to accumulate wealth is that they live below their means. Many millionaires have found that living in a status neighborhood is not only a poor value, but it makes one feel the need to keep buying status objects to keep up with the Joneses.
Would it surprise you to learn that my husband and I rent instead of own our home, share a car, and don’t subscribe to cable TV?
Like most millionaires in their study, we live our lives and spend our money in ways that are in alignment with our values, interests and passionsWe tend to be do-ers, not have-ers: we don’t care much for “stuff” (a McMansion home, new clothes, iPads or jewelry), but we spend generously on recreational pursuits, organic foods and long trips to faraway places. We make efforts to be environmentally green. By reducing our consumption, we save money in the process.

Why I Created “The Millionaire Mommy Next Door”

Women need more money than men. Why? (No, not so we can buy more shoes, handbags and manicures.) We need more money because we live longer than men, make significantly less salary than our male peers, and are more likely to be single parents raising a family on one income. Women comprise 87% of the impoverished elderly. A woman who works full-time for 40 years will earn $523,000 less than her male counterpart. At age 65, that extra half a million dollars could keep her from becoming one of the elderly poor!
What do these grim statistics tell us? They tell us that women, especially as they become older, are not prepared to take care of themselves financially. Yet nearly 90% of all women will end up managing their finances alone at some point in their lives.
I want to share my story and lessons learned because I’m at a point in my life where I’d like to “pay it forward”. The financial industry is rarely focused on women – my intention is to offer a supportive community and a female perspective. And my blog isn’t just about sharing my story: I’ve pledged my blog’s profits (from paid advertisements placed in the sidebar) as no-interest microloans for small businesses operated by working, impoverished women in developing countries.
Want To Know Even MORE About My Journey???
I’ve written a five-part series that details my story and the important lessons I’ve learned along the way:
    1. How I Became a Millionaire (Part 1: Childhood)
    2. How I Became A Millionaire (Part 2: Early Adulthood)
    3. How I Became A Millionaire (Part 3: My Twenties)
    4. How I Became A Millionaire (Part 4: My Thirties)
    5. From Minimum Wage to Millionaire (Part 5: My Early 40′s)
Finally, here are the archived blog posts I’ve written that are tagged “about me”.

Tuesday, January 19, 2016

It is time to explore this new age where access is better than ownership

Screen Shot 2015-12-05 at 8.16.56 pm

A car used to be the ultimate symbol of freedom and independence but increasingly consumers view ownership as an expense and a burden. Often considered the gateway to other forms of Collaborative Consumption, Car Sharing is becoming increasingly popular with its promise of personal convenience and social improvement. It is time to explore this new age where access is better than ownership. rent a car now car rental singapore

Rent to Save : The Benefits of Vehicle Rental


There are numerous benefits of vehicle rental, which provides enough reasons for you to rent a car instead of purchasing one. Below are some reasons why vehicle rental could be the solution to all your woes regarding the high cost of owning a car, and the benefits vehicle rental can bring to you and your family.
When a special occasion arises, car rental might just be the solution for you. It would definitely be ideal if a marvellously stunning car is used to drive your children to their promenade instead of your relatively antique car. Surely you would want your daughter to have a night to remember? If the answer is yes, car rental and long term car leasing is your solution
Special occasions might also mean dealing with business affairs, where numerous professionals would partake in car rental instead of using their own personal car. Taking a more professional look by simply having a better-looking car as seen by your clients could mean a tremendous difference in a business deal or agreement by leaving an impression.
When you are eyeing a long distance excursions with your family members as part of an annual excursion, for example to Malaysia, vehicle rental would prevent damage on your personal car due to wear and tear-driving on treacherous roads. In addition, if you are planning to bring relatives along, you can simply rent a seven or eight-seater vehicle to end your dilemma.
Bid farewell to the worries of your vehicle ever breaking down and leaving you without any means of transportation during a vacation as there would always be replacements easily accessible at your fingertip. You would be astounded to realise the range of vehicles available for rental, each to suit a different need of yours. For example, if you have yet known, you can rent trucks if you wish to haul large and bulky items from location to location, which in some cases, come cheaper than delivery fees levied by some companies.
A wide range of transportation vehicles would also be provided for your comfort, providing the best mode of transportation especially during sightseeing journeys or trips on rough roads. Simultaneously providing you the opportunity to visit places less ventured.
The convenience of an easily available vehicle would also no doubt help to save precious time for you and your loved ones to enjoy and unwind more during the vacation, providing a luxurious and comfortable mode of transportation to desired venues, instead of continuously having to fret on how to travel from one destination to another.
Last but not least! If you are an environmentally green advocate, this would be a perfect solution for you to play a part in keeping our environment clean and green! With reduced numbers of vehicles on the road via renting a minivan or SUV with larger capacity compared to driving a few smaller cars, vehicle exhaust emissions would be reduced, and our earth would no doubt be saved! After all, every small act matters!
Check out car rental singapore today for a wide range of car rental rides for both short term car rental or long term car leasing .

Friday, August 29, 2014

Cheap Baby Toys

Waah Waah Waah! The baby is crying again. Have you ever had second thoughts about having had that baby? Maybe you are frustrated because of the new addition to the family. Some people have to juggle between the baby at home and the stress from work outside. Not to mention with the baby comes added expenses. Medical bills, hospital bills, bills for clothes and equipment and you feel so stressed out! Even worse when this is your first born. You got no clue how to handle the baby! Changing diapers becomes a challenge, understanding what the baby is trying to say when she is crying and even knowing the proper methods to feed the baby is a test. And all this is driving you crazy.
What I would recommend is that first of all take a big breather. Yes slow down and try to get a breather. Get everything under control and stay calm. And think hard about how you can solve this problem, or try to make life easier for yourself. OK maybe you got a spouse who is very understanding and willing to share the baby load with you. But what if you are a single parent and it is just you and the baby? That becomes a real bummer doesn't it?
Well, let me recommend you something. Have you ever tried buying some baby toys to calm the baby down? Yes I am talking about baby toys. Well if you feel that with the baby already comes many added expenses then think again. You can actually purchase cheap baby toys from online. No time to buy these toys while the baby is untended at home? Well, you can do this in the comfort of your own home. Free and easy. Have those toys delivered to you at home.
And how would these cheap baby toys which were purchased from online help? Well you can't just purchase any baby toys that you see fit. There are actually certain toys that are more important than others. First of all, a baby toy you should get is something which can keep your baby occupied so that he would get distracted and not be idling all the time. For example, you can get a mobile to hang above the cot. Even better if the mobile plays music! That will definitely soothe that little devils ears and make him happy with joy instead of crying!
Oh do note that babies at different ages would need different kinds of toys so always check to see if the toy is suitable for your baby at that age. At the later stages, you should buy some cheap educational toys that help with the baby's development. There are just so many different types of baby toys that you can get for your baby and make life easy. Join me in buying cheap baby toys online and you will never see a crying baby again.
My Name is Lincoln and I like writing about toys. An example of a cheap baby toy which can be bought online includes this perlengkapan bayi baru lahir - Brilliant Basics Baby's First Blocks. This toy is an educational toy which develops a baby's recognition of shapes and helps in skill coordination. If you are interested to search for more cheap toys and cheap baby toys, you may want to check out my pelengkapan bayi murah blog to look for more cheap toys.

Baby Toys To Stimulate Your Baby

We all want the best for our babies. We give them the love they crave, warm their bellies, and rock them to sleep every night. One important factor in becoming a new parent of a baby is providing them with the tools they need to learn, grow, and conquer the world. Baby toys are a very important investment for all parents to make. But what are the right baby toys to purchase for your baby?
Baby Toys to Stimulate Hand-Eye Coordination
Hand-Eye coordination is the ability to see and grab objects. At the age of four months your baby's hand-eye coordination is beginning to develop. Your baby will grab at objects, and try to pick them up. Don't worry, he will master this quickly. Around five to six months your baby will learn how to reach for a baby toy, perhaps a baby block, grasp it, and hold onto it. Around seven months, your baby will learn how to drop that toy when he is done playing with it.
Developing hand-eye coordination is a crucial tool for all babies to master, and as soon as possible. We use hand-eye coordination in every day tasks such as bringing a fork to our mouths, brushing our teeth and hair. Think about it. Mastering hand-eye coordination can help a person to be able to do more complex tasks like typing quickly on a computer, playing the piano, painting a masterpiece, even sewing a button on a dress. You could be the proud parent of a modern day Mozart!
When trying to help your baby, the best thing you can do is hold a baby toy within reach from him. Then wait for him to grab it. You do not want to show him how it works. To him, that's all the fun of it! Some baby toys that help with developing hand-eye coordination are:
  • Blocks - Soft Blocks for ages 4 - 7 months and more sturdy blocks for babies older than 12 Months.
  • Stacking Toys will teach your baby to not only maneuver the object, but to also fit them together.
  • Household items such as plastic lids, plastic bottles.
Stimulate Your Baby's Senses with Textured Baby ToysHave you felt the pull of your hair when your baby is about four months old? We've all felt it, and our reaction is first pain, then joy. A lot of us, just remove the baby's white knuckle grip, and say "No", but is this really the response we should be giving? This is your baby saying, "I need my sense of touch stimulated!" Maybe instead of just saying "No", give your baby a toy that will stimulate his sense of touch, teaching him that many different things have different textures, shapes, and colors.
There are many baby toys that will do just this. There are toys that have different textures such as bumps, and curves; Baby toys that have crinkly material, and other fabrics. There also toys that have all this and lights and music to stimulate your baby's sense of hearing.
Some toys that you might want to consider are:
  • Crawl Mats and Play Nests - Baby crawl mats comes in several styles. One toy manufacturer, Galt, has created an infant play nest that stimulates touch, vision and hearing. The fabric covers inflatable ring creating a self contained safe play environment for babies and toddlers.
  • Activity Cube - A big soft colorful block with fun activities for baby to explore. Features may include mirrors, crinkle material, wool, sounds and lights and more.
  • Music makers - These baby toys allow baby to press different buttons and see what new sound is made.
Stimulate Your Baby's Mind and Emotions with MusicHave you ever heard a song that, no matter what mood you were in would cheer you up immediately? Or maybe one that made you sleepy? Well, babies feel all these emotions from music too. Music is a wonderful way to introduce your baby to their own sense of emotions, feelings, and the wonderful world of creativity and imagination! Several baby music CD's are available to invoke various feelings in your baby. Some better choices for parents to consider include the Brainy Baby® music collection.
  • Peaceful Baby(TM) by Brainy Baby® - Calming, restful music that progressively lulls your child into a deep and refreshing sleep.
  • Cheerful Baby(TM) - Cheerful Baby's compositions, melodies, rhythms and tonal ranges encourage a happy mood!
  • Playful Baby(TM) - Vibrant, invigorating music that encourages your child to actively experience the richness of their world.
  • Sleepy Baby(TM) - Calming, restful music that progressively lulls your child into a deep and refreshing sleep.
So What Do You Look For?When you go toy shopping for your baby, make sure you got perlengkapan bayi murah and perlengkapan bayi baru lahir properly and you will want to focus on toys that will stimulate your baby's mind, senses, curiosity and imagination. For a baby up to one year old, keep it simple with large, soft baby blocks, stacking toys, play mats or play nests, activity cubes. As a bonus during playtime, throw a CD in the CD player and watch your baby touch, explore, and learn about his new found abilities!

You can find all the toys mentioned in this article at Babymania Shop , as well several other toys for toddlers, and older children. Stop by, and see what you can find at http://babymaniashop.com