Who wouldn’t like to make money doing nothing? That’s the dream, isn’t it? Well, keep dreaming because it’s not possible to make money doing nothing. It is, however, possible to make money doing almost nothing. It’s called passive income. [Read more…]
Successful traders rarely face loss in Forex and frequently win the trades. But, they have worked hard to ensure their success in Forex. Being a newcomer, if you can develop the traits which are possessed by them, you might increase the number of winning streak. However, to develop these traits, you need to know about these and the ways of developing these. [Read more…]
For some kids, a trip to the grocery store with mom or dad is B-O-R-I-N-G. Yet, for many of those same kids, a trip to Costco is fun. Why? My guess is the free samples. If you can get free, tasty food while you’re shopping, going to the grocery store is suddenly a lot more fun. Even better, kids can try to convince their parents to buy those cheap Costco desserts that kids love (and grown ups, too!).
Cheap Costco Desserts That Kids Love
There are so many delicious desserts at Costco, almost all of which are reasonably priced. Kids, in particular, tend to gravitate to these desserts:
Churro From the Food Court
Don’t buy your kids these unless you plan to buy them every visit. The churros are that good! Costco churros are a full 18 inches long and are fried and coated with cinnamon and sugar. Best of all, they’re only $1!
Delizza Patisserie Belgian Mini Cream Puffs
Found in the freezer section, Delizza Patisserie Belgian Mini Cream Puffs can’t be beat. There are 120 mini cream puffs in the container, making them perfect for parties or to just snack on after school.
These feature a light, flaky pastry filled with a decadent cream filling. You should let them thaw for 30 minutes to one hour, but some people can’t wait and eat them right from the freezer.
They’re mini size make them the perfect kid-friendly dessert.
Who needs donuts for breakfast when you can have a Costco danish? Found at the bakery, you can choose from several different flavors such as cinnamon, cheese, apple, and cherry. Serve these for a delicious weekend breakfast or gently heat one up in the microwave for an after-school snack. Cinnamon danishes used to be my favorite flavor when I was a kid.
Ice Cream Sundae
If you decide against the churro at the food court, you and your kids may want to opt for the ice cream sundaes. These are $2.49, and you can choose between two different toppings—strawberry or chocolate. These are the perfect treat after a summer shopping trip to Costco. Even better, Costco is very generous with the toppings, which helps to elevate this dessert to a whole new level.
David’s Cookies 9-Inch Rainbow Cake
What’s better than bright, rainbow colors and sugar? For a kid, the answer is nothing! David’s Cookies 9 Inch Rainbow Cake will delight your kids. Inside, you’ll find five thin layers, with white cream frosting in between each layer. The layers form the color of a rainbow with red, then orange, then yellow, then green, and finally blue. Your kids will likely be delighted when you serve this yummy, fun cake.
Your kids likely enjoy going to Costco with you because they can get free samples. They’ll likely beg to go with you every time if you give them one of these five cheap Costco desserts that kids love.
Which Costco dessert do your kids enjoy most?
As a new mom, it can be tempting to buy all the clothes and baby gear out in the market. However, you don’t have to give in, especially if you want to be a practical mother. What you should need to focus on are the essentials, such as the clothes your little one will actually wear. Your baby won’t need a lot, so here is what you need to have so they will stay comfortable. [Read more…]
Have a special occasion coming up yet can’t think of anything nice to gift? Stumped because you want to increase employee performance yet can’t think of suitable incentives? Or what to give your eager little helper as a treat without giving cash for a house chore? How can you show someone you care with a simple yet sweet gesture? [Read more…]
As a new parent, you’ll likely feel pressured to buy many things. After all, loving parents want the best for their children and should be willing to pay for that, right? While there are areas where you won’t want to go the cheapest route, there are other areas where you can save money. One area where you don’t need to spend the most money is when buying car seats. Buying expensive car seats isn’t necessary for your child’s safety, but there are other standards you’ll want to consider.
What to Consider Instead of Buying Expensive Car Seats
Rather than just looking at the price of the car seat when deciding which one to buy, you should instead consider several other factors.
The most important factor in protecting your child in case of a crash is installing the car seat properly. Yet, many, many parents unknowingly install the car seat improperly.
If you live in the United States, you can go to any local fire station, and the fire fighter will check to make sure the car seat is properly installed. If it’s not, the fire fighter can help you install it properly.
Before making your purchase, consider the safety record of the car seat you want to buy. An excellent place to look is Consumer Report’s Car Seat ratings. You’ll find that buying an expensive car seat isn’t necessary. There are many cheaper car seats that offer your child all the safety he needs.
Length of Use
Some of the cheapest car seats have lower weight and height restrictions, which means you’ll need to buy the next size up more quickly. Sometimes, buying a mid-price range car seat is actually more affordable than the cheapest brand because you’ll be able to use it longer.
What to Avoid When Buying Car Seats
Even if money is tight, please avoid buying used car seats. Some people don’t know this, but car seats actually have an expiration date. That date is typically six to ten years after the seats are manufactured. Why an expiration on car seats? The general idea is that the plastic and seat belts can degrade after years of exposure to the sun and heat. Also, safety standards are constantly changing, so new car seats may offer your child more protection than used seats you buy from someone else.
In addition, if you buy a used car seat, you have no way to know if that car seat survived a car crash. If it did survive a crash, there may be small cracks in the plastic that you do not know about, which can make the seat less safe for your child should you be involved in an accident.
Car seats are necessary, but can be pricey. However, don’t feel pressured into buying expensive car seats. Instead, consider the car seat’s safety record and make sure to install the seat properly. Finally, choosing seats that have higher weight and height limits may save you the most money over the time your child will need car seats.
Let’s face it: your new bundle of joy doesn’t come cheap. You’ll want to plan ahead for your additional expenses, whether that be researching the best personal loans or tweaking your budget. After all, one recent study estimates that a middle-income ($59,000-$107,400/year), two-child family will spend about $13,000 per child each year.
Counting money is one of the most foundational skills children must learn. Counting and making change are critical skills that many entry-level jobs require. When you apply the following lessons on how to teach a child to count money, you challenge his or her mind to grow in other ways, too.
To give you a thorough array of options on teaching counting skills, I sought out advice from experienced educators and parents. Here are my findings.
How to Teach a Child to Count Money
Create a Play Store
Parents who have taught their children the basics of money said one of the best ways to do so was to set up a play store. Together with their child, they created a fake shop with household items or toys listed for sale. Use a sticky note to indicate the price of each item, then give your child change, and open the shop for business.
Depending on your child’s age, you can vary the degree of difficulty. For example, for a 3-year-old, you could say, “This costs one quarter,” and teach her to identify that coin. For older children, you can pay with a dollar bill and walk them through making change. Don’t forget to also teach them how to count change back to the “customer.”
Teach Them to Count by Fives and Tens
“Kids need to have a good understanding of place value and number sense before they count money,” says a third-grade teacher with I spoke via Facebook. “Start with one coin, and teach them how to count it and how many it takes to make a dollar.”
She goes on to describe a great money game involving two dice. Give the child as many pennies as the number he or she rolled. Have the child then exchange it for the highest value possible.
For example, if the child rolls a ten he or she can trade in pennies for a dime.
In addition to teach your child how to count money, when you teach them to count by fives and tens, you’re teaching them the beginning stages of multiplication.
Let Them See Real Transactions
Many people have had great success with giving their children real world experience.
Here are several examples:
Earn Money Through Chores
Help them understand that “work = pay,” and help them count their earnings. If there’s something they want to buy, help them estimate the cost.
Lead by Example
Allow your child to watch you pay for something in cash. This will help him see how money works and how it requires lots of it to pay for his needs and wants.
Study the History of Real Money Together
Hand your child the coins you received in change that day and quiz her on some coin facts. Not only can learning to count money teach your children better math skills, but you can also create an impromptu history lesson. For example, did you know that the nickel used to be called a “half dime” up until 1883? Half dimes were made of silver which became scarce during the Civil War. After that, they were made of copper and nickel, and they finally were made and referred to entirely of nickel in the 1880s. Click here for more U.S. coin facts.
The overall theme of how to teach a child to count money is YOUR involvement. Set aside time to sit at the table and talk about how many nickels are in a quarter or how many pennies are in a dollar. Talk about how much money you earned at your first job or something you saved up for, like a bicycle. That will help your child apply what he or she has learned.
How did you learn to count money? In school? At home?
In economics, CFDs provisions are made in a futures agreement where fluctuations in the repayment are done using cash instalments instead of conveying actual merchandise or securities, marked as leveraged products.
This implies that with a small preliminary investment, there is a likelihood for returns consistent with that of the underlying asset or market. Instinctively, this is an apparent investment opportunity for any broker.
CFDs can be somewhat dicey due to little industry directives, plausible absence of liquidity, and they want to uphold a realistic profit margin due to leveraged losses. Regrettably, margin exchanges can increase returns but losses as well.
The apparent rewards of CFD trading often mask the allied perils. For further information on the same, click on the link here https://www.equiti.com/platforms/metatrader-4/ .This discussion will look at CFD risks, including counterparty risk, market risk, and plenty more besides
Types of CFD Risk
Client Money Risk
In countries where CFDs are legitimate, there are client cash security laws to protect the stockholder from conceivably damaging CFD suppliers’ acts. By resolution, money moved to the CFD supplier should be disengaged from the investor’s money to prevent investors from hedging their assets.
Nonetheless, the law may not veto the customer’s cash from being joined into at least one account. When an agreement is settled upon, the sponsor withdraws a primary margin and has the option to request further margins from the shared account.
In the event that different clients in the joint account neglect to meet margin calls, the supplier has the privilege to draft from the shared account with the probability of distress returns.
Economic circumstances influence several monetary dealings and may intensify the risk of losses. When trades being made in the market for an asset are inadequate, your general agreement can become illiquid. Now, a CFD supplier can require extra margin instalments or close contracts at mediocre prices.
A CFD charge can drop before your exchange can be performed at a formerly settled upon cost, otherwise called gapping. This implies that a current contract holder would be needed to take less than ideal benefits or cover any losses endured by the CFD supplier.
The contract for changes is derivative assets that a trader uses to venture on the movement of direct funding, like stocks. If someone believes that the underlying asset will increase, the stakeholder will choose a protracted position.
On the other hand, speculators will pick a short position in the event that they accept the value of the resource will diminish. One hopes that the value of the resource will move in the direction most promising for you.
In certainty, even the most educated speculators can be proven wrong at this. Unforeseen data changes in market settings and government rules can bring about brisk changes. Because of the nature of CFDs, minor differences may significantly affect returns.
A negative outcome on the underlying asset’s value can make the sponsor claim a second margin reimbursement. If margin calls cannot be met, the supplier may halt your position, or you may be forced to trade at a loss.
A counterparty is the organization that gives the resource in a monetary exchange. When purchasing or selling a CFD, the solitary resource being exchanged is the CFD supplier’s agreement. The associated risk is that the counterparty neglects to achieve its monetary commitments.
In the event that the supplier can’t meet these obligations, at that point, the value of the underlying asset ceases to be relevant. It’s crucial to recognize that the CFD industry isn’t vastly controlled, and the dealer’s integrity depends on reputation, longevity, and monetary position rather than liquidity or government standing.
All in all, when you are thinking about going into any of these investment vehicles, it is very crucial to assess the perils associated with the leveraged assets. This is because the ensuing losses can be much more than initially forecasted.
My kids started helping with chores when they were about 18 months to 2 years of age. My oldest got his own little broom that would recite, “sweeping, sweeping” as he swept. He loved that broom, and he loved helping out. Most toddlers are eager to do what the people around them are doing. If you have a toddler and want to start working with them on chores or you want a more organized chore routine for your older kids, consider using one of these free chore chart templates for kids.
Why Assign Kids Chores?
Some parents don’t want their kids to do chores. They argue that kids should just be kids. However, there are many valid reasons why you should assign your children chores:
They Learn Valuable Life Skills
When I went to college, I couldn’t believe how many kids didn’t even know how to do their own laundry. My son started doing his own laundry at 12, and my daughter started at 11. The larger variety of chores you have your kids do, the better they will be able to successfully live on their own.
They Learn to Contribute
There are many things that need to be done to run a household successfully. If you don’t expect your kids to contribute, they can grow accustomed to the idea of others doing things for them, which can lead to a sense of entitlement. The family is the first place kids learn what it means to be part of a group and to help run that group. This, too, will be a valuable lesson for their adult lives.
Should You Pay Kids for Chores?
This can be another devisive issue. Some families don’t pay their kids money for chores because they want them to realize that they are part of a family and family members help one another.
Others, like my family, pay their kids for chores because they want kids to firmly make the connection between work and income. You work, and you earn money. You don’t work, and you’re broke.
Still others don’t pay cash but instead let their kids earn privileges like watching a show, or playing a video game, or staying up late based on the chores they do.
The choice is up to you and what your family decides will work best.
Free Chore Chart Template for Kids
There is no need for you to create your own chore chart template for kids when there are so many out there! Here are a few of our favorites:
Healthy, Happy, Impactful has a chore chart template that gives blank lines to list up to eight chores beside squares for days of the week. Just check off each day that the chore is completed. There is also a box at the bottom for notes.
Plan for Awesome has a chore chart template for toddlers. This one is unique in that rather than words, there are pictures so your littlest helpers can understand. You can also use the pictures and words for the preschool and early elementary set.
Make any one of these chore charts last longer by laminating them or placing them in a plastic sleeve so you can use them week after week.
There’s no time like the present to start having your kids help with chores. These free chore templates can help motivate them and help them find pride in their accomplishments.