But They Sure Are Worth It
Have you ever made an error on your taxes, missed a year, or lost some of your tax paperwork?
If so, you’re not alone — those are some of the most common tax mistakes. But if you’re running a small business, any tax errors could cost you serious money.
Coffee has taken off around the globe, with sales during 2019 topping $48 billion in the United States alone.
Whether you’re already a hardened coffee fan, or just discovering the joys of coffee culture, you could do with some inspiration on how to maximize the experience.
Despite needing over 9 hours of sleep a night, your teen is likely getting closer to only 7 hours, and that’s a huge problem.
Sleep deprivation in teens affects their mental health and their ability to focus on their studies. It can make them more prone to depression and anxiety.
More avenues for children are going digital, making internet safety for them crucial. Parents must understand how to protect the kids when they are online.
Are you having problems with the design of your bedroom? Do you want to turn it from an old design into a new style? Well, there are many easy steps you can do to turn your bedroom into a unique one. One way to do it is by using creative arts.
The main question here is; What kind of art do you need to hang in your bedroom? What is the best thing to do to fill a space?
To help you solve each question, we’ve come up with some easy and unique bedroom wall decor ideas you can use. Here’s how to decorate a bedroom.
Let’s be honest. Hoping children learn via parent lecture is unlikely and boring. Kids don’t listen, and parents get frustrated. But there is a fun way to teach kids about things that doesn’t feel like learning—playing games. If you want to teach your kids how to behave responsibly financially, don’t lecture. Instead, play games that teach kids about money.
My favorite place to start when using games to teach about money are the classic games. You know, the ones we grew up playing.
Photo by National Cancer Institute on Unsplash
This classic game teaches your kid the value of location, location, location when buying land. It also teaches kids about the importance of having rental income. And of course, your kids learn about property taxes, stocks, and income.
The only drawback to this game (and some don’t see it as a drawback) is that it can take a long time to play, upwards of an hour or longer.
In The Game of Life, kids choose whether to go to college or go right to work. They also learn about the importance of insurance and avoiding loans. The stock market also plays a role in the game.
One thing I find confusing is that the more kids you have, the more money you seem to make. I haven’t found that to be true in real life!
In Pay Day, the board is set up like a calendar month. Players can choose to buy deals such as a pizza joint for $800. Then, later in the game, they can choose to sell it and make $12,000. Players also get bills in the mail and have to pay them. Throughout the game, players can borrow money from the bank or other players, but they need to agree on the terms.
This is a great game for teaching kids about investing and borrowing. Parents may like it because you can choose how many months to play. The more months you play, the longer the game goes.
Beyond the classic games mentioned above, there are several new board games that teach kids about money.
This game was created by Robert Kiyosaki of Rich Dad, Poor Dad. The game is suitable for kids ages 6 and older. The board is fairly simple. Kids land on a green or red space or a dollar sign. When they land on a green space, something positive happens to their financial situation. For instance, they can choose to buy a stock and get passive income. If they land on a red, they have to pay an expense. The dollar sign gives them a payday, and this is also when they can get their passive income.
While the board is simple, this game is great for teaching kids about positive, long-term uses of your money and negatives uses of it.
Designed for ages 5 to 10, The Allowance Game teaches kids about earning and spending money as they travel around a board. They might spend money for movie tickets and earn money for losing a tooth. They can also put their money in the bank and earn interest.
The money that is used resembles real United States money, so it’s easy for young kids to learn how to differentiate the different bills and coins, too.
Followers of Dave Ramsey will love the Act Your Wage Game, especially if you’d like to easily teach your children Ramsey’s Baby Steps. When you play the game, you’re given a life situation—how much you make per year and if you’re married or not as well as basic bills such as food and utilities. You also draw debt cards.
You follow Ramsey’s Baby Steps to get yourself out of debt and in a financially secure position. Along the way, you’ll fill envelopes so you can spend cash rather than using credit.
You can also find games that teach kids about money by going online.
The Rich Kid Smart Kid site (from the makers of the board game Cashflow for Kids) has several mini-games including:
These microgames teach kids entrepreneurship, debt management, and how to start an emergency fund.
Peter Pig’s Money Counter is ideal for 5 to 8-year olds who are learning to add and subtract money. Kids need to put the money in different jars, and then they can buy things such as clothes for the pig. By doing the various activities, kids learn how to add and subtract money.
Financial Football taps into some kids’ love of the NFL to help teach them about finances. The game has three different levels:
To go down the football field, players must answer financial questions. This game was created by VISA in conjunction with Drew Brees, who created several of the questions in the game.
If you homeschool, you can dig even deeper with this game, as there are also lesson plans and pre and post-tests available.
The Playoff is designed for kids ages 14+. In this immersive game, you choose between two vloggers, Alex and Jess. You manage their finances and deal with unexpected events like getting robbed all while trying to develop a video in just three days. Whoever ends the game with the most money wins.
Just like Financial Football, this game has lesson plans, so it could be used in schools or if you homeschool.
Teaching your kids about money is challenging. Sure, they’ll watch how you handle your money, but they may need more instruction for how to handle their money wisely. Luckily, there are many games that teach kids about money. Your kids can learn and face natural consequences through the game before they do so in real life. Then, when they’re teens and young adults, they hopefully will know how to manage money responsibly.
The top surface of your teeth, aka the enamel, is the hardest substance in the body. Not only is it stronger than bone, but it’s also stronger than steel.
Despite that, it’s not invincible. Over time, it can get damaged. At the end of the day, that’s what leads to cavities.
Since people now use diamonds for various things, its importance has grown over the past centuries. As such, it is considered as one of the most valuable gemstones that anyone can have. Despite its popularity, there are some amazing facts about diamonds that most people have never heard of. Here are some of them.
The first diamonds were discovered in India around 3,000 years ago. Various studies, however, have shown that they have probably been in existence for more than 4 billion years. Who would have assumed that diamonds were formed before dinosaurs lived on this planet?
Diamonds were found by humans when volcanic eruption brought them close to the surface of the earth with other ancient items such as surface rock, wood, and fossils.
When you consider the beauty of diamonds, you would probably assume that they have several elements. But you couldn’t be further from the truth. Diamonds contain about 100 percent carbon. According to scientists, the crystalline structure of diamonds is formed when carbon atoms bond due to the pressure and heat under the surface of the earth.
When it comes to the rarest and oldest gemstones in the world, you cannot talk without mentioning diamonds. They were formed at various periods during the earth’s evolution. As a result of this, you cannot find two natural diamonds that are exactly the same. Their colors, characters, and looks are determined by conditions around the time and place of their formation. Although lab diamonds are a better choice due to availability, natural diamonds are more unique because of this particular reason.
Even though they are capable of sparkling and dispersing light, diamonds are formed in total darkness at over 100 km beneath the surface of the earth. As volcanic eruptions force Magna to the surface of the earth, diamonds are kept inside the rocks and brought up to areas where they can be mined.
Nowadays, most diamonds are mined underwater or underground with the help of heavy, advanced tools. But it was not so many years ago when miners used to find them at the bottom of or around the shores of rivers.
While most diamonds are formed by volcanic eruptions, some may be exceptions. It has been suggested that some diamonds may have been made in an interstellar condition. According to some studies, carbonado diamonds might have been deposited into the earth by an asteroid that affected our planet around 3 billion years ago. These carbonado diamonds are often seen in some places in South America and Africa. This type of diamond doesn’t usually aggregate in a single place. They are sparkling, awesome, and valuable and are often used for making black diamond jewelry pieces.
As you could have guessed, the majority of diamond markets are found in the metropolitan cities around the world where people value them. More interestingly, it has been estimated that about 80 percent of all diamonds in the globe are sold in New York City. This American city has tons of places where diamonds are auctioned.
To many individuals, one of the characteristics of diamonds is that they are colorless. However, this is not entirely true as there are a few diamonds that are not colorless or white. In rare cases, diamonds may be brown, red, green, blue, brown, pink, orange, black, and yellow. So, if you come across diamonds that are not white or colorless, don’t be surprised.
Diamonds are usually mined rough. Therefore, the rough diamonds have to go through a comprehensive cutting and polishing process to take them to their full potential. During this process, the diamonds can lose as much as 50 percent of its initial weight.
There are several mining companies around the world. All these companies collectively mine over a million carats of diamonds annually. In addition to the ones mined, companies produced around 110,000 tons of synthetic diamonds in labs annually. From jewelry manufacturers to producers of medical and industrial tools, these diamonds are used by various individuals and companies for a wide range of things.
These fascinating facts about diamonds further reveal why these gemstones are highly sought-after.
There are 787,251 divorces in the United States within a year. While the country’s divorce rate is no longer 50 percent, many people still navigate the exhausting process of filing for divorce.
If you’re about to work through the divorce process, it’s important to have a plan in place. Otherwise, you could unintentionally miss an important step. To help, we’ve listed the seven steps to divorce; the steps you must take before filing.
The wealth gap continues to increase as many people stop investing due to fear. If you are worried your children aren’t going to become investors, it’s best to start teaching kids to invest right away.