Looking to dip your toe into the world of trading? There’s plenty to learn no matter if you’ve never made a trade before. Take a look at these resources tailored to helping newbies get started in the world of trading.
When it comes to raising kids, it’s safe to see you’ll have your hands full. Kids are the living embodiment of the saying “a blessing and curse.” After all, while they might be the best thing that’s ever happened to you and a beautiful dream, they’re also a list of worries for their parents. There are countless things that can, and often will, go wrong, and it’s your job to prevent as much of these tragedies as possible and do damage control in case something slips through the cracks. This can often cost you a lot of money, and that, in and of itself, could be another problem to add to the list. That’s why we need to find ways to take care of them and save money all at once. Here are some tips to help you out.
First and foremost, let’s talk fitness. There’s a health epidemic these days, and it’s a tricky one to avoid. Essentially, we have it too good. We spend too much time sitting and inactive, and it creates several problems. That’s why we need to be more active. And, that’s why, as a parent, you need to get your kid into an active lifestyle early. For starters, consider yoga. Despite its reputation, yoga is a surprisingly hardy workout, but it’s also much easier than some other comparable, but more traditional, workout regimens. In other words, it’s perfect for kids. Take this Manduka coupon and save on the gear you’ll need to share the benefits of yoga with your child.
Next up, there’s diet. The modern American diet is all too rich in processed foods, and for good reason. After all, these items are cheap and convenient, the perfect storm for many of us, especially kids and their parents. However, they’re also chock full of fillers and preservatives that rob them of much of their nutritional value, so you’ll want to indulge in them sparingly, as an afternoon snack or for a special treat. Otherwise, try to stick to home cooked meals made with fresh ingredients. Again, you’ll want to get your kid into the habit of wanting and choosing the healthier alternative whenever possible.
Keeping children occupied while you’re working can often be a challenge. For a lot of parents, the answer is screen time. That said most parents know instinctively that putting kids in front of a screen can have negative outcomes including obesity, decreased emotional regulation and learned violence.
But, are these fears really true? Not so, says Sara DeWitt.
Below is an interesting TED talk given by DeWitt in April of 2017. Essentially, DeWitt is saying that the content the child interacts with matters far more than screen time itself.
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There is loads of economic data coming out every day that can have a tremendous effect on the markets. Non farm payrolls is a big data point, but so is data coming from the rest of the US government, like consumer confidence indexes and explanations of defense spending. The US is a massive governmental entity that can have a huge effect on the global economy, in many ways you might not expect.
First, take a look at what economics actually is. The freshman college course that you might have slept through for much of second semester actually had a lot to teach you. Economics deals with choice. It purports to deal with rational human behavior in a world where there is scarce resources. How do we get what we want when our choices always have to have a trade-off.
Economics takes into account the way that corporations invest throughout the world, how business pay their employees and how consumers spend their money. In a world that is governed more and more by capitalism, it makes sense to pay attention to the way that all this activity affects people. And the markets.
One of the largest info bombs that hits the global economy each month is the United States report on non farms payrolls. Sometimes the most effective piece of inof is the number of jobs added to the US economy added each month. That small bit of data can have an effect on the S&P 500, the confidence of consumers spending throughout the country and how foreign investors see the world. All of that can have a major effect on global markets.
Also released with non farm payrolls is the U.S. unemployment rate. That metric is very important in determining the psychological health of the US economy. And the US economy has an outsized effect on the rest of the world. Economic indicators in Europe and Asia have a large effect on the global markets as well, but the US is the most powerful government in the world and the largest economy in the world. So the machinations and changes within the economic fortunes of its citizens are vastly important to traders and global market watchers.
Sometimes analysts are bullish about non-farm payrolls and they tend to think that more jobs will be created. Many times, they are wrong and the market corrects itself. Sometimes the non farms payrolls will outperform expectations and the market will respond accordingly. Either way, there are opportunities for traders to make money on these moves.
Following economic data points is important for any investor because you can really get yourself an education about how the world works when you spend time looking at where the money goes. It can help you make decisions about where to put your money and where to get good at trading. Trading can also flourish off the release of economic data like non farm payrolls because savvy traders know which stocks or commodities will spike or fall based on the data that comes out.
That knowledge comes along with watching the market closely. When you pay attention to economic data then you can grasp a global picture of the market and how it might affect your world. That will give indicators and trends that you can follow as you trade stocks, bonds, commodities or futures. Really any kind of trading or investing can benefit from watching and understanding global economic data.
For more information on how to get started in online trading,, look to this resource for picking the right platform that will match your risk appetite and strategy.
Online casinos are gaining popularity and have revolutionized the way people gamble. It is an easy way to spend time, have fun, it is accessible and you can try your luck and win a lot if you decide to play with real money.
If you know how to make the right strategy in playing online games, this could also boost your cash at the comfort of your very own home. Even though it’s a great form of entertainment, it is still a game of chance and you need to have the proper knowledge and a bit of experience to beat the odds.
Here are a few tips on how you can enjoy playing online casino games:
Choose just one or two games to play with
Don’t jump from one game to another – as much as there are thousands of games that you can play from an online casino website, be very careful on what you choose to play with. Make sure that there is evidence of secured transactions with independent audits by checking for any accreditation icons that are displayed on the site.
Always take advantages of the bonuses available, especially when you just signed up
Online casinos also regularly posts offers, promos and even gifts so don’t hesitate to take those offers. There’s no catch, plus it’s a free shot at the jackpot prize for you.
Discover your own strategy
If you are just starting out, you can always play without money yet to see if the game is for you or not. If you are focusing on two games, choose one that has a high jackpot and another that has a low jackpot to even out the odds and create a balance for those big cash-outs and smaller prizes. That way, your bank account will weigh out equally. It’s best to work out the strategy for each game by calculating the odds so that you can be aware how much you should deposit for real money to win the game.
Know when to stop
Having your own strategy works well with online casino games but there are just sometimes when you are having a bad day. If that happens, luck may not be on your side at that time. You can always just play for another day and try again. Decide how much you are willing to put in. Set a limit for yourself, both with play time and your finances.
Quit even if you are on a winning streak
This is one of the mistakes a lot of people do with online casinos. Winning streaks can make you want to push for more, hoping that you will continue on winning but there is a chance that you will just gamble away the money you’ve won. Bet wisely and keep your winnings instead of attempting to make another round of the game.
Playing online can be tons of fun. Gamble responsibly and focus on the games you know best.
What type of online casino game are you willing to try?
Bullying is an epidemic in the U.S. and a huge problem for vulnerable children and their parents. Children as young as preschool age sometimes develop patterns of bullying behavior and intimidate or even hurt less aggressive children. Bullies can be very good at hiding their antics from teachers and parents and will often wait to harass their victims in less supervised environments like bathrooms, school buses, and bus stops.
Children who are being bullied often don’t report the problem to their parents or teachers. The bully may have threatened to harm them if they tell, or the child may feel deep shame about the bully’s words and actions and fear that they’ll lose the love of the adults around them if they share what’s happened. That’s why parents need to be alert and learn what signs and clues to watch for if they suspect bullying. A child who is being victimized might pretend to be sick to miss school or might try to find a way to avoid riding the school bus. If your child’s property is disappearing or being damaged, you might suspect that a more aggressive child is to blame. If your child seems anxious or moody, ask them if they’re being picked on.
After you’ve talked to your child, report the situation to the school. School administrators, teachers, and social workers are often trained in dealing with bullies and should be your allies. Click here to take this quiz to see how much you understand about dealing with bullies and to learn more on Health IQ.
About Health IQ
HealthIQ’s mission is to improve the health of the world. In pursuit of this mission, they’ve created over 2,000 quizzes and worked with innovative insurance companies to create financial rewards for health conscious people. To date, Health IQ has helped thousand triathletes, vegans, runners, and other health conscious people secure billions in life insurance coverage, and they hope to expand to other financial rewards in the near future.
There are lots of tips out there on the simple ways to keep your home insulated and save money on the bills. But most of the time, the advice only touches the surface of the problem. There are other, less obvious ways your home is losing heat. Here are a few of them.
While insulating the walls and ceilings of your home is a no-brainer, people don’t always think of the floors as something that needs insulation. This is a problem because heat tends to rise. Few people want to spend all of their time in the attic, the only room in the house that can keep heat in. If a particular level of your house is especially cool, you might have a problem with floor insulation.
Recessed Lighting Fixtures
Lighting fixtures set in the ceiling are a nice decorative touch, but they can also be a problem area for heat loss. If they are in the roof, they may represent an insulation dead space that allows cold air to flow in and hot air to float out. Most of this problem has to do with how expertly you or the previous homeowner installed the fixture in the first place. To correct the issue, make sure the fixture is insulation rated and cover the top of it carefully with insulation materials. If you don’t know how to do this, be sure to get help.
Pet Doors and Mail Slots
Pet doors and mail slots are nice conveniences. A mail slot lets you get your correspondence without walking to the mailbox through rainy or cold weather, and a pet door lets your animal friend exit and enter the home without your help. The problem is, poorly insulated pet doors and mail slots are just holes in the side of your home.
Placing bits of insulation around the hole helps make sure that when the door is closed, no heat gets out. Also, make sure that your pet door or mail slot has a good, solid closing and locking mechanism. It will keep your pet from wandering out at a bad time and keep you and your family safe.
Most people know that windows are a common site for heat loss through cracked walls and joins or from being accidentally left open. What fewer people think about is how important proper window treatments are. Heavier curtains and drapes are a great insulator, keeping heat inside your house whatever the weather.
Having said that, using curtains to contain heat is not just a matter of putting them up and leaving them closed. It’s also important to open the curtains when the sun is shining directly through them to let in natural light and heat, helping save your heater some effort.
All homeowners live in fear of the same doomsday situation: a major appliance in your home malfunctions. When the repair tech gives you an estimate, you realize that you’ll have to pay thousands of dollars for a replacement. You can avoid that scenario if you’re proactive. Here’s how to invest in maintenance and avoid repairs.
Lock Your Kitchen Cabinets
Some of your cabinets serve a secondary purpose. They don’t just add storage space. They also hide electrical outlets and plumbing valves. Should a child or pet get into your cabinets, they could damage the pipes or sockets that you need for your appliances to work. A kitchen sink replacement could cost as much as $455.
You can avoid that future expense with a simple strategy. Add locks to your cabinets! A magnetic latch costs as little as a dollar and is easy to install. When you take the time to do this project, you make sure that nobody gets into your cabinets by accident. You don’t have to worry about broken kitchen appliances!
Check Your HVAC Unit
The HVAC unit is one of the most expensive appliances in your home. When yours breaks, you’ll have to pay $3,500 or more to replace it. Nicer units are at least twice that price, which means you’re out $7,000 when your HVAC unit breaks. You’ll also suffer in hot or cold weather while you wait for installation of the new device, and that could take weeks!
A service technician charges $150 or less to do maintenance on an HVAC unit. For that price, the worker will change your air filter and check your ventilation system for troublesome issues. Those could include pests and rodents in the shafts, dust allergens clogging the ducts, and malfunctioning hardware. A service technician will fix your problems for a fraction of what you’ll pay if your HVAC unit fails. Regular maintenance is a smart investment.
Clean the Gutters
Nobody loves the idea of climbing up to the roof of their home. It’s an aggravating process that requires a ladder. It’s also scary for anyone at least somewhat frightened of heights. Despite these concerns, you should clean your gutters quarterly.
Dirty gutters are one of the most frequent causes of a leaky roof. Should you have to replace your roof, you’ll pay at least $7,500. Rather than waste so much money, do some proactive maintenance. Cleaning your gutters only takes a half hour, and you should do it once a quarter. That’s a total of two hours of cleaning a year to save $7,500. Don’t think of this job as work. Think of it as a job that pays thousands of dollars an hour!
Clean the Dryer Exhaust
Your dryer can catch fire. If that happens, you’ll lose everything that you own. That’s a scary thought, but you can avoid the most likely cause. Clean your dryer exhaust. All you need to do is remove the clumps of lint inside the connected tubing. It only takes a couple of minutes and protects your home from catastrophe.
Many of the most expensive repairs in your home are avoidable. Follow the four tips listed here to save your house from disaster.
Have you been putting off an upgrade to your air conditioning or heating equipment? It’s easy to forget how vital these systems are to your family’s daily comfort — until something goes wrong. An inadequate or aging system will waste money, fail to keep you warm in winter or cool in summer, impact your indoor air quality, and eventually fail you completely. Generally, it’s a good idea to upgrade your equipment before it breaks down. Here are some clues that it’s time to upgrade your system.
Your Systems Are Out Of Date
Older, out-of-date equipment is likely to be far less efficient than newer systems. If you replace your 10-year-old heat pump or air conditioner with a high-efficiency unit that carries an Energy Star label, you could save up to 20 percent on heating and cooling costs. Energy Star recommends replacing your heat pump or air conditioner every 10 years and your furnace or boiler every 15 years.
Upgrading your systems will improve not just your energy efficiency but also your family’s comfort. A newer system with a programmable thermostat, for instance, can warm up your home just before everyone arrives home from school or work. Ask your HVAC technician to look over your current system and let you know what a newer system could do for your home.
The Unit Needs Frequent Repairs
Just like a car that keeps having problems and needing repair work, your HVAC equipment will let you know it’s getting tired by breaking down often and needing frequent repairs. Another clue that your equipment is wearing down is that it will operate less efficiently and your power bills will increase dramatically.
Your System Isn’t Working Well
If your furnace is constantly running but your house isn’t getting warm, something is wrong. If some rooms in your home are too hot and others too cold, you have a problem. The same is true of air conditioning that just doesn’t cool your house properly. If your HVAC system is creating a lot of noise, that could also be an indicator that it’s no longer up to the task at hand.
Your Home Is Dusty, Humid, Dry, Or Uncomfortable
Excessive dust is an indicator of leaky ductwork that is drawing debris from your attic, basement, or crawl space into your home. Air that is overly dry or too moist could also be a sign of leaky ductwork or poorly operating equipment. If you just can’t seem to get comfortable in your home, that might be a sign that your system is no longer running well or is inadequate for your family’s needs.
Replacing or upgrading your HVAC system is an investment that will increase your home’s value, improve your family’s comfort and health, and improve the energy efficiency of your house. Prevent an emergency by taking care of the upgrade as soon as your old systems starts showing its age rather than waiting until your family is without heat or air conditioning.
Remodeling your home has two primary benefits: one, you and your family get to enjoy the upgrades while you live there – which can include having more space, greater aesthetic appeal and fostering a sense of newness. Two, it raises the value of the home in case you decide to put it up for sale. In particular, the kitchen and bathroom areas, when upgraded, fetch a much better price.
Remodeling The Bathroom
This will be one of the highlights of your remodeling project. With a bathroom, there are little changes here and there that lead to big effects. For starters, replacing the wide sink with a free-floating pedestal creates more storage room, and placing a full-length mirror on a free wall opens up the space.
Before you make any big changes to the bathroom, it is imperative that you get the plumbing checked for any leaks. Plumbing Fix is just such a company, and they focus on residential and commercial plumbing problems. Get your drains cleared and pipes fixed before attempting any renovations in these areas.
Additionally, pay careful attention when doing any work that may require displacing some of the plumbing; this is very costly as it sometimes adheres to a city plan. If absolutely necessary, make sure to hire a contractor.
Many homeowners use the driveway leading to their garage to store their cars; it’s a convenient solution to mornings when you’re running late for work – but it only works in regions of the country where the weather doesn’t get very bad. The West Coast is such a region, and if you live there, you might do well to convert your garage into an office.
Many garages have water heaters, and it’s wise to have the place checked for water-related damage. The experts at Restoration Elite in your city are well-versed in all the methods of mold remediation and rectifying the water spots that lead to further damage. If your home has any signs of these, have them taken care of professionally before stripping the walls and construction addendums in your remodeling project.
The kitchen is all about functionality and visual appeal – it’s one of the first rooms that prospective homeowners look at when house hunting. Some of the upgrades that can make your kitchen more enticing involve lighting and cabinetry. You can play with lighting using a pendant light, casting an arresting glow about the place.
With cabinetry; you’ve got to be careful – as it’s easy to spend a bunch on the finest cherry-oak. If you’re doing the remodeling yourself, measure everything thrice before you order the replacement shelves, as it is costly having to send stuff back and re-order.
Other upgrades that make a substantial difference to the kitchen space include the addition of an island, granite countertops (or a different material to cut down on costs), and the addition of stainless steel appliances. Even if you don’t change the cabinetry entirely, the addition of new pulls and handles will make a marked difference.
As for the rest of the house, upgrading the living room and bedrooms is wholly dependent on your budget. Usually, new furniture is the most decisive remodeling change; but a fresh coat of paint on the walls and the rearrangement of the current furniture are cheaper alternatives. In fact, using slipcovers or fabric on sofas and chairs works wonders for renewed visual appeal. New blinds for the windows, as well as curtains where applicable, will change the play of light on surfaces in the room.