How to Choose the Best Family Travel Insurance Cover

If you’re going on holiday with your family, then you’ll want to know that your family travel insurance actually does cover you.

Here’s how to get the best family travel insurance.

1. You’ll need to know what you want it for. Will you just ant health insurance? Just for your luggage and personal possessions, or for everything? You won’t want to think that you’re covered on your household policy only to discover you aren’t.

2. Different types of holiday require different levels of travel insurance. You’re much less likely to break a limb whilst sitting on a beach for a fortnight, compared to snowboarding, or skiing. You’re probably more likely to lose your camera on a city break. You’ll need to ensure that you’ve got the right level of cover.

3. Once you think you’ve found the right policy, you’ll need to find out what it actually covers, and whether it’s relevant to you. Even if you’re only going on holiday for a short while, you still don’t want to take a chance with your family’s health.

4. You’ll need to find out what the excess charge is. You won’t want to drop your camera, and have to pay the first £100 of any claim.

5. It’s a good idea to find out what the insurance policy says regarding the replacement of lost or broken items. Is there a like for like policy? Do you only get what the old item is currently worth?

6. If you go on holiday several times a year, then it might be better to get an annual policy, rather than a policy for each trip. Perhaps your policy will cover you whilst you travel on business as well.

7. Many foreign countries don’t have free healthcare, unlike the UK so you’ll need to be aware that medical treatment is likely to cost. Having adequate travel insurance that covers health, injuries and illness will be worth it if a family member is injured, or is taken ill whilst abroad. You don’t want to be faced with a massive bill for hospital treatment.

8. Why not try looking online for your travel insurance policy? It’s quicker and than having to ring up lots of providers, and you’re bound to get a better quote, as the overheads will be lower.

9. Booking your family travel insurance through your holiday company when you book your holiday might prove to be more expensive than booking it separately.

10. As the level of cover, for your possessions and yur health is the moist important aspect of your family travel insurance, it’s essential that you don’t pick a cheap family travel insurance policy solely because of the cost. The cheapest won’t be right for you unless it gives you the cover you need. You don’t want to discover that your policy isn’t what you thought it was when you try and claim.

Now you know what to look for, you’ll be able to get the cover you need for your family, and get good value for money too.

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10 Reasons You Need Cheap Family Travel Insurance

If you’re considering a family holiday, you might be tempted to give travel insurance a miss, as you think you’ll never need it, and it’s just a waste of money. Travel insurance doesn’t have to be expensive, and often you’ll be able to find cheap family travel insurance if you look around.

However, like most insurance, you hope that you never need to use it, but if you do, you’ll want to make sure that you’re fully covered.

Here’s why you need family travel insurance:

1. Healthcare in many countries isn’t free. In the UK we’re lucky that healthcare treatment is free, and we don’t think about the actual cost of travelling to hospital, or an operation, or even just to see a doctor.

2. Even though in some countries, certain parts of healthcare treatment are free, others aren’t. The treatment might be, but other aspects such has the trip to hospital in an ambulance aren’t

3. Your travel insurance should cover you for the most common medical issues that are likely to happen, such as experiencing a serious injury or illness.

4. With holiday insurance, you’re also offered protection against things like your luggage being lost or delayed

5. As travellers have more and more electronic devices with them, such as mobile phones, cameras, camcorders, games consoles, and mp3 players, it more likely that they can be damaged, stolen, or lost. It only takes a freak wave whilst on the beach to render your camera, phone and MP3 player useless. What about if you dropped your camcorder whilst filming? Maybe you’re anxious about pick-pockets in big cities?

6. You might need to insure against sickness which prevents you form going on holiday. Your travel company may not refund you, but your insurance company might.

7. Holiday cancellations are not hat uncommon. Perhaps there are not enough people booked to go on the holiday you have chosen, and you don’t want to go to a different destination. Maybe the travel company has overbooked, leaving you without a holiday. Having travel insurance can help in situations like these.

8. You might go on several holidays a year as a family, or have lots of weekends away. You can purchase family travel insurance that will cover your for a full year, which means you don’t need to buy insurance each time you go abroad.

9. Many people are skiing and winter sports enthusiasts, or enjoy other dangerous pursuits whilst on holiday. These types of traveller are more at risk of injury than someone who lazes on a beach for a fortnight. If you enjoy active holidays, you’ll need to make sure that your travel insurance adequately covers you.

10. We’ve all hear the horror stories about cancelled or delayed flights, which mean that passengers have to cut short their holiday, or are stranded in an airport somewhere with nowhere to stay. With the right sort of travel insurance you can be covered against flight cancellations and delays.

Now you know it’s important, and why you need it, isn’t it time to buy cheap family travel insurance for your next holiday?

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Why Family Travel Insurance Is An Absolute Must

If you’re like most modern families you live by a work-hard, play-hard rule. You work hard all year – at work and at school – then reward yourselves with a well-deserved and much-anticipated holiday. Naturally, you want this holiday to be completely stress-free, with no nasty surprises and the opportunity for a relaxing time with your family. That’s why it is crucial for you to invest in a good family travel insurance policy – so any issues that may arise are taken care of without trouble.

What could go wrong?

One common travel calamity is the delay or loss of your precious baggage. Many a weary traveller has arrived at their destination only to find out that their bags have ended up somewhere else entirely! One or all members of the family are are left with no fresh clothes, shoes or toiletries. Once again, your family travel insurance comes to your rescue and you’ll immediately be given money to purchase essentials until your bags arrive.

Whether you’re travelling with toddlers or older children, there is always a possibility of someone falling sick. This is especially true if you’re travelling on a busy itinerary, and especially when the climatic conditions of the country you are going to to are very different from what you’re used to. We all know how high medical bills can run, and it’s even more so when you are in a foreign country. If you have family travel insurance, however, all your medical bills for every member of the family can be taken care of while you’re away. Moreover, if you are in a place far away from a major hospital, transport (including air fares) is covered for the patient. As a knock-on effect of an illness or accident, your travel plans may be disrupted, but those ensuing costs can be covered in your insurance plan too.

Family emergencies can pop up without notice, and at any time. What happens if a close member of your family has an emergency and you need to cut short your travel plans to return home immediately? Usually, you would have to make hotel reservation cancellations with no refunds and flight re-bookings where you would end up incurring a high cost. All this is taken care of if you have family travel insurance; all the extra costs are absorbed by the insurance company and you will be put on the first flight back home.

Another common occurrence when travelling is the loss of valuable items through theft – like cameras, laptops phone, jewellery or tablets. Your insurance will cover any theft of items whilst you are travelling.

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The Benefits of Family Travel Insurance

Many families go on vacation together each year. This is actually one of the best things a family can do together. Going on a family vacation means that you can see the world, visit exciting attractions, relax on the beach, and spend quality time together. That is what wonderful family memories are made of, and as airfares fall in price each year, it is becoming much more affordable for families to travel together and enjoy unforgettable family vacations.

There is no shortage of family vacation deals. Just visit a few travel websites or a few travel agencies and you will discover that there are deals all over the place when it comes to family vacations. Also, there are so many interesting and educational places that you can take your family, and there are many options for paying for it all as well. Fact is, no matter how great family vacations get, the reality is that they can get expensive.

Budgeting and planning is crucial. You may find that once you have added up the costs of transport, dining, lodging, souvenirs, and admission fees, you end up with a pretty big number. With so many important things to budget for during your vacation, you may be tempted to skimp on travel insurance to save a little money which you can use for “more important” things. After all, it is not something that you ever plan on using.

Just Because You Don’t Plan on Needing It

You may not plan on needing travel insurance, but that does not mean that you can forget about it. Travel insurance is something that is very important – if something goes wrong, you will be glad that you have it.

Imagine if you miss your return flight – you have just spent most of your holiday budget having fun, and now you are stranded in a foreign country, with hardly any money left. How will you get home? If you are incredibly rich, or have a large reserve of funds hidden away in the bank to cover this, or other disasters such as medical fees, then there is no need to worry. But for the rest of us, travel insurance is very important to have.

Selecting a Policy

There are several family travel insurance policies to choose from. You can buy family travel insurance that you have all of the time, which you will pay for on a yearly basis. This is a great idea for families that travel a lot, because it will cover everything from airline ticket replacements to lost and stolen property, and it will cover you no matter where you are traveling.

Travel insurance on an annual basis is very useful if you take several trips each year, but for families that do not travel very often, a cheaper policy which only covers one trip can be a better option. The important thing is to make sure that when you go on vacation you are covered, and that the policy suits the type of vacation. Hopefully you will not need to use the policy, but the peace of mind you gain by having one is well worth the small cost.

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Understanding a Family Travel Insurance Policy

When you travel abroad with your family, you need to ensure you are covered for any and all possibilities in the event of an emergency or difficulty. Of course, you probably don’t need to include a clause in your family travel insurance cover against a shortage of snow if you’re travelling to Barbados, but it is sensible to ensure that your cover is appropriate for your particular requirements.

What Can Go Wrong?

Most people purchase single trip or annual travel cover to protect them against things going wrong, but just what can happen when you are travelling abroad temporarily?

The answer is, plenty of things!

Firstly, you may need to cancel your holiday before it even begins, if, for example, one of your party becomes too ill to travel or someone close to you dies. You may need to abandon your plans but, if you’re properly covered, you’ll receive a payout against your costs so you can rebook at a later date.

Your family travel insurance will also cover you whilst you are travelling to the airport, in case you are delayed by circumstances beyond your control and miss your flights. Your flights may be cancelled or delayed so long that you miss part or all of your holiday, so what would happen if the hotelier insisted on charging you for at least your first nights’ accommodation, when you haven’t turned up on time? If you have a good policy, you will be reimbursed – if not, you’re on your own.

What if You Lose Belongings?

If the airline loses or misplaces your luggage, a family travel insurance policy will provide you with 24-hour emergency assistance and allow you funds to purchase replacement clothing and other items at a moment’s notice.

In another, less savoury scenario, you may be living in unusual circumstances when you are abroad, so you’ll be an easier target for thieves. If you are mugged or any belongings are taken from your hotel room, your policy will take care of the financial burden of any medical treatment and the replacement of valuables.

The NHS Does Not Stretch Overseas

Although you will receive some basic NHS cover in Europe and some other countries, it will not be sufficient to provide you with the standard of service that you would have expected at home. If you’re travelling to America, you will find that medical expenses are extremely high and you may find a bill for thousands of pounds for just a few minutes consultation. Most insurers will expect you to take out at least £1 million worth of cover against medical expenses. In the event of needing emergency care when you are away, it is vitally important to have family travel insurance for you and your family.

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Bitcoin Thrives Against All Odds

Since it’s currently en vogue right now, I’d like to announce that I’m launching my own cryptocurrency next week.

Let’s call it “kingcoin.”

Nah, that’s too self-serving.

How about “muttcoin”? I’ve always had a soft spot for mixed breeds.

Yeah, that’s perfect – everybody loves dogs.

This is going to be the biggest thing since fidget spinners.

Congrats! Everyone reading this is going to receive one muttcoin when my new coin launches next week.

I’m going to evenly distribute 1 million muttcoins. Feel free to spend them wherever you like (or wherever anyone will accept them!).

What’s that? The cashier at Target said they wouldn’t accept our muttcoin?

Tell those doubters that muttcoin has scarcity value – there will only ever be 1 million muttcoins in existence. On top of that, it’s backed by the full faith and credit of my desktop computer’s 8 GB of RAM.

Also, remind them that a decade ago, a bitcoin couldn’t even buy you a pack of chewing gum. Now one bitcoin can buy a lifetime supply.

And, like bitcoin, you can store muttcoin safely offline away from hackers and thieves.

It’s basically an exact replica of bitcoin’s properties. Muttcoin has a decentralized ledger with impossible-to-crack cryptography, and all transactions are immutable.

Still not convinced our muttcoins will be worth billions in the future?

Well, it’s understandable. The fact is, launching a new cryptocurrency is much harder than it appears, if not downright impossible.

That’s why I believe bitcoin has reached these heights against all odds. And because of its unique user network, it will continue to do so.

Sure, there have been setbacks. But each of these setbacks has eventually resulted in higher prices. The recent 60% plunge will be no different.

The Miracle of Bitcoin

Bitcoin’s success rests in its ability to create a global network of users who are either willing to transact with it now or store it for later. Future prices will be determined by the pace that the network grows.

Even in the face of wild price swings, bitcoin adoption continues to grow at an exponential rate. There are now 23 million wallets open globally, chasing 21 million bitcoins. In a few years, the number of wallets can rise to include the 5 billion people on the planet connected to the internet.

Sometimes the new crypto converts’ motivation was speculative; other times they were seeking a store of value away from their own domestic currency. In the last year, new applications such as Coinbase have made it even easier to onboard new users.

If you haven’t noticed, when people buy bitcoin, they talk about it. We all have that friend who bought bitcoin and then wouldn’t shut up about it. Yes, I’m guilty of this – and I’m sure quite a few readers are too.

Perhaps subconsciously, holders become crypto-evangelists since convincing others to buy serves their own self-interest of increasing the value of their holdings.

Bitcoin evangelizing – spreading the good word – is what miraculously led to a price ascent from $0.001 to a recent price of $10,000.

Who could have imagined that its pseudonymous creator, fed up with the global banking oligopoly, launched an intangible digital resource that rivaled the value of the world’s largest currencies in less than a decade?

No religion, political movement or technology has ever witnessed these growth rates. Then again, humanity has never been as connected.

The Idea of Money

Bitcoin started as an idea. To be clear, all money – whether it’s shell money used by primitive islanders, a bar of gold or a U.S. dollar – started as an idea. It’s the idea that a network of users value it equally and would be willing to part with something of equal value for your form of money.

Money has no intrinsic value; its value is purely extrinsic – only what others think it’s worth.

Take a look at the dollar in your pocket – it’s just a fancy piece of paper with a one-eyed pyramid, a stipple portrait and signatures of important people.

In order to be useful, society must view it as a unit of account, and merchants must be willing to accept it as payment for goods and services.

Bitcoin has demonstrated an uncanny ability to reach and connect a network of millions of users.

One bitcoin is only worth what the next person is willing pay for it. But if the network continues to expand at an exponential rate, the limited supply argues that prices can only move in one direction… higher.

The Bottom Line

Bitcoin’s nine-year ascent has been marked with enormous bouts of volatility. Therewas an 85% correction in January 2015, and a few others over 60%, including a colossal 93% drawdown in 2011.

Through each of these corrections, however, the network (as measured by number of wallets) continued to expand at a rapid pace. As some speculators saw their value decimated, new investors on the margin saw value and became buyers.

The abnormal levels of volatility are actually what helped the bitcoin network grow to 23 million users.

Hey, maybe we just need some price volatility in muttcoin to attract new users…

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The Significance of Thematic Investing

Index Services are dominating the investment markets from quite a long time by now. People who have the preference for diversity when it comes to investment are venturing towards the Thematic Investing. Here is the highlight on the significance of thematic investing.

It is an intuitive investing

This implies that instead of venturing into something unknown you can invest your hard earned money into the ideas as well as the trends that you are fully familiar with and the ones that you find exciting. Having a good knowledge about the same can provide you the capability of making the smart investment choice. As you go in for researching on your own this further makes your position comparatively strong. It further enhances your ability so as to customize your portfolio. You can invest in areas that interest you such as real estate, travel and healthcare.

You can align your values

Here you get the opportunity to be able to align the values that you think are important for you when it comes to your investment. You can simply invest in areas for which you hold the passion or the ones that are primarily focused on the social responsibility. You can simply make the world a better place to live with the help of your investment.

You have a vast choice

There are companies that give you the portfolio well prepared in advance if you so desire. On the contrary, you have the option to create a portfolio for yourself. There is a plethora of option of mutual funds that are available to you as an investor.

Helps to generate alpha

Thematic investing is the best way to get the opportunity for to generate alpha. By imply focusing you’re your investments in the hot spots where you can distribute the sizeable amount of your capital, you can easily generate the alpha. By simply analysing the other portfolios you can come at a decision for yourself.

Gives you flexibility and transparency

By simply creating your own portfolios you open up the gateways to great opportunities. Being able to customize your portfolio is a great advantage in itself. All that you need is to have a great visibility as well as control in addition to the transparency with no hidden cost. You get the clarity of your fractional share as well as the penny.

It is easy to access

Gone are the days when only a limited number of people had an access to the thematic investing due to the fact that the portfolio structures were not only expensive but at the same time restrictive as well as complex that consumed a lot of time for their maintenance. Most of these were available to high net worth investors. Today such is not the case as it has gained popularity, and become accessible for investors f all the brackets.

All in all, this is the significance of thematic investing. If you have still not explored the boundaries of the same, the it is high times for you to do the same.

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5 Alternative Investment Approaches

WHAT ARE ALTERNATIVE INVESTMENTS?
An alternative investment is a class of investment that are not covered under any Government regulatory like RBI, SEBI, IRDA, and PFRDA. It refers to a privately pooled investment fund – a trust or a company.

Here are some alternative investments approaches that may influence your investment decisions -

#1 FOCUS ON ABSOLUTE RETURNS
You invest to end up with more money than what you started with. It means you are looking for an absolute return: how much did you actually make, is the main focus.

Invest in assets that you believe will do well; don’t invest in a product just because it’s likely to outperform the market. Have your analysis on hand.

#2 RETURNS ARE ONE-DIMENSIONAL, RISK IS MULTI-DIMENSIONAL
When it comes to investments, returns are easy to calculate. Keep your focus on Risk involved with the alternative investment asset as well. Prepare a list of the relevant risks. You need to have a clear idea of the risks involved in your investment, as it will help you to take a calculated decision.

Also, if at all something unexpected happens, you will be more likely to make better decisions if you’ve thought about the risks before investing.

#3 KNOW THE SOURCE RETURN
Understand what will influence and drive the returns on your investment. While you hold the investment, monitor the value of your investment.

Constantly revisit your assumptions of the return drivers of investment, in case they don’t match your parameters or expectations rethink your investment.

#4 UNCLEAR IS GOOD
Anything that’s not traditional is alternative. An alternative investment is populated by investment ideas that may not be immediately obvious. For instance cryptocurrency.

Continuously learning, exploring, researching, studying, and looking outside your comfort zone is the key to financial success.

#5 DIVERSIFICATION IS A MUST
Holding a mix of assets that are equally good, but which behave differently, will leave your portfolio’s return intact, and lower its risk as well.

Diversify means constructing a portfolio with very varied return drivers and risk parameters, not just different assets.

Most of us see investing in alternative investments highly risky. However, if you desire to live a successful and fulfilling life and retire with enough money to enjoy your retirement years, you must take calculated risks. This includes risks in your relationships, risks in your career, and risks in your investments.

While taking smart calculated risks is vital to reaching your goals in life, remember that taking bad risks and losing can set you back, sometimes significantly. It may help, however, to remember that taking smart risks is as simple as making wise decisions.

A Framework for Good Decision-making

I’ve learned a lot in my life from observing others and through my personal experiences-both good and bad. Therefore, when I consider taking a risk in any area of my life, here are the questions I ask myself:
1. What are the risks? Be honest. Don’t let your emotions prevent you from carefully considering all possible risks. This is where the landmines exist.
2. What are the odds of one of the risks coming true? Be truthful. Use real data whenever you can by doing research and talking to others.
3. What are the rewards? Be realistic. Can you really quit your day job and devote ten hours a week to something and make $100,000 a year? (Probably not.)
4. What are the odds of those rewards? Be sensible. Find out how many others have done something similar and how they have fared.
5. What other options do I have? Be creative. Don’t limit yourself. Consider all possibilities.
6. Do I need to make this decision today? Probably not. Take the time you need to do your research and explore your options.

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Image Optimization for SEO – Best Practices

Quality content is the key to SEO success. Content doesn’t just mean your text contents. Images must be an integral part of your content strategy. At times, single images can be far more effective than your 1000 word blog post. It also helps you improve blog post quality and performance.

Images, Infographics, Videos and all other multimedia contents on your web page will help you in increasing the user engagement on your site and makes the visitors stay on your site for longer duration which helps in reducing the bounce rate.

Not just adding images to your contents, you should also optimize those images for better SEO performance. Optimization of images must be the one important aspect of your on-page SEO process.

If you are using images in your content, there are many aspects to be considered related to SEO.

Relevancy

Using images doesn’t mean that you should fill up your content with loads of pictures. You should use it only when it is required and also you should use images that are more relevant to your content.

Placement of your images is an another important aspect. It should be placed at a relevant location in your content according to your text content.

Use original images

Originality always helps in improving your user experience and your authority. Usage of original images will be helpful in improving your SEO performance. You can create original images with a graphic designer or you can take your own photographs with a quality camera. It is the reason top White hat SEO companies employ talented graphic designers for creating quality images.

If you are not able to employ an in-house graphic designer or if you are running out of time, you can always use high quality images from the web. But the important factor to be considered is it should be copyright free.

There are many tools available for getting copyright free images without any cost. The most popular ones are Unsplash, Flicker, Freeimages.

Image Size

Images are the main source for damping your site’s speed. And site speed is a crucial factor in your SEO performance. So, you should be extra cautious in using images without compromising your page speed.

It should not also affect your image quality, you should have a correct balance between. You can achieve this by reducing the file size by compression. You can use tools like Photoshop for compression.

File name

Search engine crawlers are visually impaired, it can even interrupt a 5000 word text content, but it cannot interrupt a single image and what the image is about. It is the reason using a keyword rich file names for your images is an important aspect in image optimization.

Google bots and other search engine crawlers can read your image’s file name and if it is named with your target keyword, it gives a signal to search engines about the image topic and thus helps your SEO performance.

For example, if your image is related to selling sports shoes, rather than using the file name as “IMG_89868″ you can use it as “Black_Tennis_Shoes”.

Alt text

Similar to the file name, search engines can read Alt text of the images. Alt text is known as “Aleternative Text”, is an HTML attribute used to describe the content of images.

You should use Alt text which is relevant to your images and it should be clear and descriptive. You can use your target keywords in the Alt text but be cautious about Keyword stuffing.

If you are not focusing on Image optimization, you are missing a huge opportunity in improving your SEO performance. You can use above mentioned best practices in your on-page optimization process.

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Best Support And Opportunities For All Youth

American youth currently face challenging realities along their way to adulthood. With parents working longer hours and the absence of grandparents and other community adults who used to make up support systems, the intergenerational fabric of community has been frayed. Youth development strategies aim to reweave community fabric in a new way – one that takes the supports and opportunities young people should have, and re-institutes them in the context of young people’s realities today. While many of these realities are harsh ones, we know that young people themselves want to be involved in their communities. The importance of building positive youth/adult partnerships in this process cannot be stressed enough.

The mobilization effort is based on influencing three critical elements: information, attitudes, involvement. The transformation of each of these areas, both in the public and private domains, is a necessary condition for change. For example, in the area of information, the country is currently focused on collecting primarily negative youth information, e.g., teenage births, dropouts, and juvenile arrest rate. Inspiring a 180 degree shift, we need to collect information such as: average number of hours youth participate in after-school activities, computer to youth ratio in non-school hours, and the percentage of youth who hold part-time jobs. The three elements are intertwined, for how information is gathered and communicated impacts attitudes as well as how and if people choose to become involved.

Only through broad community commitment, strong public will, and diverse partnerships can youth development take root, go to scale, and be sustained over time. Ultimately, the mobilization must be supported by partnerships among all of the systems in a community that affect young people (i.e., education, corporations, health care, juvenile justice, religious groups, and recreation). To build these relationships and establish youth development infrastructures to improve developmental paths of adolescents will take at least 10 years.

Localities currently spending their resources on efforts to “fix youth” will need to pool, redirect, and increase their financial commitment to youth development. These additional dollars will ensure all youth equal access to supports and opportunities, especially youth living in economically distressed areas.

Our information on the services young people need, and use, is still hit or miss. Communities do not know what they have or what they need. They usually have no way to tell how well services are being used and what services need to be improved.

Good information is important for youth services for exactly the same reasons it is important for everything else. Accurate, accessible standardized information lets people find the services they need and use them effectively. It lets communities manage, evaluate and improve their services and determine the need for changing them, eliminating them, or developing new ones.

Many national efforts to measure outcomes presently use deficit-driven indicators to assess young people’s condition in society, such as teen pregnancy rates, juvenile crime numbers, and percentages of high school dropouts. Although these measures are important, they do not tell the whole story about young people’s experiences. Measures that reflect positive conditions and experiences of young people are also important.

The accelerated trend of the past decade toward empowering our nation’s young people to succeed has fostered a new awareness and commitment to this most valuable resource. Some basic questions are:

- How much do we currently spend?

- How much should we spend?

Some progress has been made through new initiatives in education finance reform and services integration, providing more effective delivery of social, health and educational services for children and youth from the classroom up to the government. This document establishes an initial framework and formula for assessing the financial resources and mechanisms necessary to move American society closer to this ideal. The following were found to be potential root causes of these trends in spending:

- Devaluation of adolescents.

- Lack of consensus on youth development.

- Lack of adequate and protected funding. Funds are not protected and dedicated in the manner necessary to sustain the long-term, comprehensive process that is youth development.

We can support the move toward the ideal by:

- Seeking new types of information.

- Building on the after-school momentum.

- Making a sustainable public investment.

Youth development is an investment that must be made by each sector of the wider community – public and private. Examination of the federal-state matching, local dedicated taxes an incentives for business and philanthropy could lead to models for providing adequate and sustainable funding for youth development. National intermediaries must work to cultivate this leadership at all levels of government, and at the grassroots, by creating constituencies.

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