What’s in your savings account? If you’re a millennial, there’s a decent chance that there’s nothing in your account but IOUs and promises. [Read more…]
The weeks and the days are counting down, and you’re getting more and more excited to meet your newborn. It’ll come as no surprise to tell you that things are going to change, and they’re going to change very soon. Once your baby arrives, your world will change upside down… and for good! There will be ups and downs, of course, however, what matters is the health of your little family. Preparing for your imminent arrival isn’t always easy, and you may well have a shopping list as long as your arm. If your due date is soon approaching, then get as much advice as you can and relax in the knowledge that you’re all set to go.
Decorate Baby’s Room
The sex of your baby is determined between 16 – 20 weeks of pregnancy, so you can find out if you choose to and begin decorating the baby’s room however you deem appropriate. If you’re over the moon to be expecting, and simply cannot stop thinking about welcoming your little bundle of joy into the world, then stay up to date with your baby’s development as you pass through trimesters and milestones. Find out what you can expect from 17 weeks pregnant symptoms, and discover the size, length, and weight of your baby. In addition to this, you can also get updates on how your baby is growing and what’s happening to your own body too.
Sorting Birthing Plans
You can make birth plans throughout your pregnancy and start by deciding whether you’d prefer a natural birth or cesarean. However, it’s important to note that you’re not always in the position to make this decision, especially if your baby presents in the breech position, for example. You can begin packing your bag for the hospital as early as a month in advance of your due date – you can’t be too prepared for one of the most important days of your life! Taking classes on how to regulate your breathing is going to help you too, so begin thinking about birth plans as soon as you can.
For safety, it is recommended that you keep a monitor in your baby’s bedroom so that you can keep an eye and an ear for how they are breathing. Ideally, and for ease, your baby should spend the first few weeks in your bedroom. You can set up the cot or Moses basket in your own room so that you can quickly attend to them should they be crying and it’s perfect for night feeds too. When your baby is asleep during the day, then you can easily set up a monitor to watch to see whether your little one is behaving normally while you’re in the kitchen, for example.
Let’s face it; you’re not going to get as much sleep for the first few months after your baby is born as you’d like to. So, with this in mind, rest as much as you can. Try to get into bed earlier than you used to and wind down an hour before you try to fall asleep. Take it easy as often as you can, and appreciate that it’s all quiet for now, but it won’t be for long. Rest up, put your feet up, and enjoy having time to yourself. Be careful not to overexert yourself, and avoid any activity that’s too strenuous. If you don’t feel like taking the trash out, then ask your partner or a friend. You’re pregnant; you can let a few things slide!
Life can be stressful enough when things get financially tough, but when you have kids, especially of the younger variety, that stress can get a whole lot worse. What’s more, the usual home entertainment never seems to cut it when it matters most. While same day lending is available in the case of a financial emergency, keeping the kids entertained when you’re short on money is an art that parents are eager to learn. Here, we’ve pulled together a list of five free things to do with your kids that they will actually enjoy.
- Make The Most Of Your Garden
If you have a garden, front or back, then make the absolute best of it that you possibly can. Whether it’s breaking out the gardening equipment and teaching the little ones the art of perfect planting, or you set up the sprinklers during the hotter days and watch them jump around while you eagerly sip a cold drink, you can ‘spruce up’ your garden easily. If all else fails, set up a picnic in the garden for a fun way to enjoy your lunch! The fresh air will be good for them, and you get to spend some time together as a family.
- Conduct A Science Experiment
Science is cool, right? Whether you actually agree with that statement or not, your kids will – at least, they will when you break out the science experiments. Mentos and Coke is a classic. Any kid will love to watch as the coke fizzes up and spurts everywhere! For something a little cleaner, you could build parachutes for toys from paper or plastic bags to see which float and which don’t. There are plenty of experiments you can find online with things you’ll have right there at home, and your kids will love watching the reactions!
- Cook Something
There’s nothing better than mixing up a cake, eating half the batter, then cooking the rest and getting to eat all of that too – and don’t even get us started on the icing. If you have kids who love being in the kitchen with you, why not get them involved? Whether you opt for something simple like cakes or biscuits, or you get them to help with dinner, there’s plenty you can do to teach them about nutrition too. Why not get them to make up their own pizzas, or have more choice over what goes in their burger?
- Take Them To An Animal Shelter
If your children are fans of animals but you can’t afford a pet of your own, you could visit your local animal shelter! Most animal shelters are always happy to accommodate anyone wanting to look around and play with the animals for a while, but always check before you go! You’ll need nerves of steel, though – just think about all of those literal puppy eyes looking in your direction, including your kids.
- Set Up A Movie Night
As fun as a trip to the cinema can be, it can also be expensive. While the tickets might start off cheap, the transport, snacks and more can add up quickly and turn into quite the expensive trip out. Instead, why not set up a movie night at home? You can set up pillows, blankets, snacks and drinks and put on some of your kid’s favourite movies to keep them occupied for a while. It’s valuable family time and valuable quiet time!
Keeping your kids entertained doesn’t have to be as much of a struggle as it may initially seem. Finding something they actually enjoy is a battle worth fighting, and hopefully our list has given you a good place to start.
You might have extensive experience in trading the stock market but this doesn’t mean you will become a successful currency trader. Forex trading is completely different from our traditional stock trading. In fact, the foreign exchange market is so big that no one can manipulate the price feed not even for a second. The transparent nature of the retail trading industry has revolutionized the investment investor. Professional brokers like ETX Capital is now offering high leverage trading accounts so that they retail traders can easily trade and secure their financial freedom with a small amount of money. But leverage trading is extremely risky and it dramatically increases the risk factors. There are many reasons for which you should go for the professional trading course. Many rookie traders in the United Kingdom are now leading their dream life based on Forex trading. They are successful because they took the right training prior to live trading the market.
The clear concept of the market structure
Understanding new terminologies and facts are really hard for the novice traders. In fact, the majority of the traders make mistake and they don’t have any solid foundation in the Forex market. Without having a strong base it’s really hard to deal with the highly volatile market. When you go for paid trading education, the expert traders will give you precise guideline how to trade this market. They will give you a clear explanation which will make difficult terms like market liquidity, margin calls etc. very easy for you. Investing money in education is the best thing that you can do as a new trader.
Fundamental factors of the market
Those who are self-taught in Forex market tends to ignore the fundamental factors of the market. But those who take professional Forex training from expert traders are very good at fundamental analysis. Fundamental analysis is the most active catalyst which can drive the price of the financial instrument within a fraction of a second. For instance, consider the Brexit event. The GBPUSD pair dropped more than 3000 pips due to this event and the technical traders blew their trading account without knowing the key cause. On the contrary, those who have strong knowledge of the fundamental factors made a decent profit even during such catastrophic market crash.
Helps you to create your plan
Every successful trader has solid plan to trade this market. They never use any human emotions to execute orders. They know very well this market flows with its own rhythm and keeping pace with the changes in the market is the hardest thing in the investment world. So you have to develop a solid plan which will help you to execute orders in any market conditions. You might be thinking how you can develop a solid plan but this is really very easy. The expert traders will guide you to use the demo trading account in an organized way. Demo trading accounts are very similar to your real accounts. Here you can trade as long as you want and you don’t have to risk any real money to learn currency trading.
Identify your mistake
Finding your mistakes in Forex market can be extremely hard. Those who are completely new don’t even know why they are losing money. On the contrary, the experienced professionals can easily spot your trading mistake by seeing at your history. So when you take some professional trading course, you are also getting a classic mentor who will help you to identify your mistake. Stop trading the market with your gut feelings. See how the professional execute trades and make a consistent profit. Things might seem a little bit hard but if you focus on the basic elements, you will find it really easy. Being a currency trader you should have a financial backup for at least six months. If you trade this market under mental pressure it will be really hard for you to pull the trigger at the right time.
Whether you learned the art of homemaking sitting at your grandmother’s table, mimicking your mom or studying at school, the internet is now where you go to find the answers to the little things. This is especially helpful if you are up in the middle of the night baking cookies for tomorrow’s bake sale and it’s too late to call your mom about a substitute or how long to bake something.
Here’s a list of 30 top homemaking blogs to get your started. Tell us your favorite in the comments.
- 3 Boys and a Dog – Based out of Mobile, AL, 3 Boys and a Dog provides homemaking and homeschooling tips, tricks and freebies for busy moms.
- Frugal Family Home – Based out of the Pacific NW, it provides easy recipes, homemaking tips, simple and frugal living advice, as well as sprinkling in a few gardening tips and easy DIY projects too.
- This Old House – Provides expert advice on home improvement, renovating, gardening and decorating. Its mission is to demystify the home improvement process and to celebrate the fusion of old world craftsmanship and modern technology.
- The Hippy Homemaker – This a blogger writes about aromatherapy, herbalism, DIY beauty, holistic health, green living, and more.
- The Humbled Homemaker – A Christian homemaking blog that encourages women to pursue grace-filled, natural living in mothering, cooking, alternative health, and living on a low income.
- Cutefetti – Based in Ocala, FL, Dawn is a creative lifestyle blogger who shares home hacks, food, crafts, DIY and easy slow cooker recipes.
- A Cultivated Nest – Based in Georgia, you will find all sorts of frugal living tips, budget decorating ideas, gardening tips, recipes from scratch, up-cycling ideas and more on this blog.
- Artful Homemaking – It’s goal is to revive the art of homemaking, and inspire women to live beautiful and creative lives. It provides DIY tutorials, free printables, and help for your home and life.
- Homemaking Organized – Here you will find a little bit of homemaking advice, some deals and sales, and all the in between. It also provides resources for keeping your home organized.
- Welcome to the Woods – Based in Minnesota, this blog features decor, DIY projects, crafts, and design tips for your home on a miniscule budget. It also includes many ways to save money, financial advice and parenting tricks to improve your overall life. If you’re a DIY-er, a decorator, a parent, or just like to save money, you will love this blog.
- The Happier Homemaker – Want to make cleaning and organizing your home easier? This blog makes modern homemaking easy, with simple recipes for the everyday cook, household tips and cleaning tricks, and DIY home decor projects.
- Heavenly Homemaker – Offer daily encouragement for women in the areas of faith, healthy eating, family friendly recipes, menu planning, gardening, parenting, and fun.
- Passionate Homemaking – Based in Portland, OR, the author of Passionate Homemaking and her family are on a mission to be homemakers that cultivate simplicity, grace, joy and being intentional in every aspect of their lives.
- The Frugal Homemaker – Based in Atlanta, GA, this blog is your guide to turning your house into a home, one DIY project and yard sale find at a time. Christina is a homemaker at heart who loves all things simple and beautiful.
- Raising Arrows – Raising Arrows is all about large family homeschooling and homemaking. Amy Roberts is a blogger, author and conference speaker.
- Awe Filled Homemaker – Join the family of Laura Prater in their crazy awe-filled adventures from homemaking, parenting, homeschooling and military life.
- A Proverbs 31 Wife – You will find posts on homemaking, natural living, marriage and motherhood. Kendra’s goal is to uplift and inspire Christian wives and Mothers.
- Homan at Home – Provides simple and budget-friendly ways to make your house a home. The author of this blog is learning to make things nice for her growing family with the skills (and the budget!) she has.
- Domestic Deadline – Domestic Deadline is all about attempting to learn the art of homemaking and all the crafts that get in the way.
- Brooklyn Homemaker – A blog about home decor, interior design, an obsessive love for furniture & pretty things, entertaining & party planning, schnauzers, marriage, amateur photography, product reviews, rants, raves, strong opinions, cocktails & drunkenness.
- Imperfect Homemaker – Imperfect Homemaker is all about Christian homemaking, homeschooling, and natural living.
- Mrs. Happy Homemaker – Crystal is a blogger who covers mostly food, but she also shares posts with diy, lifestyle, & anything else she cares to throw in between.
- The Laidback Homemaker – Based in Minnesota, get great ideas for recipes, organization & cleaning tips, lifestyle hacks, crafts & restoration ideas, do it on the cheap ideas, and much more!
- The Latina Homemaker – Jesenia Montanez shares homemaking tips, frugal living advice, recipes and more.
- Gluten-Free Homemaker – Linda Etherton provides recipes & tips for the gluten-free diet. She loves to share gluten-free recipes from a variety of bloggers as well as her owns. You’ll also find links to other related content such as menu plans and relevant news articles.
- Biblical Homemaking – Biblical Homemaking is a website about desiring to glorify God in everything women do. It focuses on living for Jesus through homemaking, marriage, parenting, home remodeling, fitness, food, and more.
- Humorous Homemaking – Because Managing a Home shouldn’t be dull. Humorous Homemaking will help you learn to manage your home without losing your mind!
- Vintage Kitty – Vintage Kitty is a blog that celebrates a fun, hands-on approach to homemaking that marries traditional elements with modern style. Let’s play house!
- Simple Made Pretty – Melanie is a homemaker, DIYer, craftaholic, home organizer, minimalist, writer, thirty-something mom of two amazing children, a fur-baby, and wife to an incredible husband of 8 years. She strives to create simplicity in homemaking tasks while providing DIY ideas that spark creativity.
- The Seasoned Homemaker – The Seasoned Homemaker is where Leslie helps you find balance and beauty with a needle and thread.
The news is abuzz with the news that Toys R Us and Babies R Us are shutting their doors in Puerto Rico and the United States. Parents everywhere are in panic mode as to where they will find all the latest and greatest toys and kid trends in the coming years. But more than that, people wonder how to take advantage of the going out of business sales that began Friday, March 23rd.
These are some things to be aware of when shopping going out of business and liquidation sales.
Many stores modify their return policy when they enter the liquidation phase of their sales. Most purchases will be sold “as-is” with no returns or exchanges available. If you are purchasing electronics or other high ticket items, ask to open the box and make sure everything is included and in working order.
It is also important to inquire about any warranties on the product and whether they will be honored. If they will, how do you go about accessing services.
Shop Late in the Sale
There is a lot of money to be made during liquidation sales. As a result, there are a variety of discount games and gimmicks store will play. In some cases, they mark up the prices of the products, then offer a general discount, resulting in no discount at all.
The real discounts come later in the sale. However, you will also face a limited selection of goods at that point.
How You Pay
ToysRUs.com has listed all the financial policies on their FAQ regarding the US Liquidation. Important things to note include:
- They are no longer accepting coupons or loyalty points.
- Gift cards will be accepted through April 21, 2018. (You cannot redeem a gift card for cash.)
- If you have items on layaway, you have 21 days to complete the transaction or you will forfeit your right to the product and it will be sold during the liquidation sale.
Not all going out of business and liquidation sales are created equal. In this day and age, you have the power to price shop in your hands. There are many popular apps for comparing prices. Download them, use them.
The Bottom Line
“You should shop a liquidation sale the same way you shop a normal sale — with caution. By knowing your brands, comparing prices and verifying warranties, you’ll make savvy purchases. Don’t be fooled by the hype: Even bankrupt companies want to make a buck.” The Washington Post
Starting a new business can be daunting; especially if your operations are based in an unfamiliar state. There are various local regulations and challenges of which you need to be aware. So why does it? Maybe it has to do with client accessibility. Other times, it’s an individual choice to live in that part of the county.
Whatever the reason, you need to know the ins and outs of starting over in a new place. Here’s what you must consider before setting up shop in a new state.
Need to Get Different Licenses and Certifications
Every state has their own sets of licensing and certification protocols. These can be highly specific between different states and industries. Restaurateurs are especially prone to the various discrepancies from place to place (such as minimum wage requirements).
There are many permits and licenses necessary to open a restaurant in most states. You will need a business license and a food handler’s permit. You will need liquor and music licenses if you want to offer those things. The costs and trouble of getting these certifications can really add up. It’s important to look at all requirements before you decide to make a move.
Different Tax Codes and Incorporation Fees
There are huge differences between incorporation requirements and taxes between states. States such as Wyoming have extremely low incorporation costs, as well as tax rates. This can be extremely favorable for starting a business. Then again, it’s also important to note that Wyoming doesn’t have a high population of consumers. This isn’t important for certain companies. But businesses that require heavy foot traffic for success should keep this in mind. If you’re starting an online-only business, however, states with low taxes and costs make sense.
Different Insurance Requirements
Insurance requirements also vary by state. This probably won’t be an issue if you’re the sole proprietor of your company. But if you plan on hiring employees, you need to pay attention to this.
Business insurance comes in many forms. For instance, the requirements and costs of workers’ compensation change when you cross state lines. What was totally commonplace in your former location might be against the law in your new one. Make sure you consider the potential impact of this on your business before you start anew in a different state.
How Much Will It Cost to Live and Do Business There?
It’s essential that you factor in other costs before starting up in a new state. Rent can single-handedly determine the profitability of a business. Consider some of the higher rent states, such as California, Washington, and New York. These are all desirable places to start a business. They attract some of the best talent. Plus, people in these states tend to have more disposable income. This means that they have more potential to spend money on your goods. However, these pros can be totally offset by exorbitant office or retail lease prices. You need to do some research before jumping into a high-rent city.
Don’t forget that you’ll need to pay for yourself to live as well. Can you afford to spend thousands of dollars per month on food and rent while starting a new business? If you’re an experienced entrepreneur, the answer is probably yes. But people with less money and experience might struggle to make ends meet in an expensive location. This can put extreme strain on your business, and potentially cause failure.
You need to think about a lot of things before starting a business in a new state. Financial implications are of course paramount. However, you also need to consider if the choice will ultimately give you fulfillment. If not, you should keep looking for a new location.
There are many people who are investing their money with different brokers in Forex. These brokers are not angle and they take a fee for every trade you place on the market. When you think you are on the verge of making the profit, these brokers can take the money for you. You should know that the money that this broker is taking from you is known as the spread. When they are taking the spread, people do not understand if it can affect their profit in Forex. This is what we are going to tell you in this article. When you will read this article, you will find that people are losing their money because of the spread. A big spread can make you win less money even with a good trend and a small spread can help you to make the big profit. This article will tell you how it can affect the profit that traders make in Forex.
Financial instrument trading is extremely difficult. If you do some research you will understand that majority of the traders are losing money in the retail trading industry. They don’t know how to place a trade with managed risk. Some novice traders often blow their trading account within the first three months. So how do you deal with your losing trades and become successful in this industry? You need to educate yourself with the proper knowledge of trading. Many professional Aussie traders have mastered the art of trading within a very short period of time. They have worked smart and learn the basic art of trading with extreme level precision.
As a novice Aussie trader you might not understand all the complex variables of this market. But if you truly believe this is the right profession for you. It’s time for you to learn new things. Making profit by trading CFDs is very hard. Without having strong knowledge and the proper trading system no one can become a profitable trader. Small things like the market spread can also alter your profit factors.
The role of a small spread in profit making
The role of this spread in profit is very important. If you do not know, your trade does not become profitable instantly. You have to overcome the amount of money that your broker has taken from you. This is the spread that we are talking about. When you overcome the spread, you start to make the profit. If your trader is good and you only get a small amount of spread like say 1 dollar per trade, you will find you are making the very good amount of profit. You may not know when you are making money but this small spread can help you to trade the market for making more profit in Forex.
A big spread can lose you money
If your spread is big by the brokers, you will have a hard time in making your profit. Not only you will need the trend to be in your favor for all the time, but you will also need the market to move in a trend for a long time. When the spread is big, your trade will take a longer time to be profitable. The market is very volatile and it can change without any notice. If you are trading in Forex, you know how this market changes and a big spread can make your profit small.
How to trade with the right spread?
It is your broker that set the spread. If you think the spread is big for you, do not open your account. There will be many other brokers who will be waiting for you to open your account with them. The broker you should trade must need to have a small spread if you want to make the profit in Forex. A big spread will only make your trade harder to become successful in Forex.
As a parent you want to protect your children from any of the dangers lurking outside. But what happens when some nasty airborne particles try to make their way into a home? A clean house is a safe one, but the air everyone breathes needs to be clean too. You need to make sure that the air filters in your home are working properly, or you could find some health issues popping up.
The Air Quality in a Home is Important to the Health of Any Growing Child
A child deserves to breathe easy, not burst into coughing fits whenever the air is too dirty. Air quality in a home is important to making sure your children’s lungs develop properly. The air in and around a house has plenty of possible problems that could cause breathing problems and injury. Air filters root out some of the worst airborne issues and keeps them away from your home and family.
A Good Air Filter Keeps any Harmful Pollution or Allergens Out
Families with any breathing issues should feel safe in their own homes. Air filters block out any dust, mites, or asthmatic triggers that could trigger an episode. Pollutants are a serious issues to face, especially in big cities with cars spewing out new problems into the air. Filtering out the harmful pollution and allergens is an important step to keeping your family safe.
You Need to Clean Out Old Air Filters
Air filtration filters out the unwanted air particles but does not get rid of them entirely. Air filters become dirty, old, and broken over time. It is in your best interest to replace old air filters before they start becoming a problem. You need to know when the air ventilation in your home needs a cleanup. Air ventilation kept clean ends up saving you money in the end.
Staying Green Helps Your Air Quality and Energy Bills
Home budgets for a family can be tight, and shaving as much as you can off the monthly bills helps. When your air filters are old and covered in filtered particles that affect the air flow throughout a house. When air flow is blocked more energy is used to get it pumping, increasing your electric bill and environmental imprint. You can save and stay green at the same time when you swap out old used filters for new ones.
Air Filters are Available for Parents on Tight Budgets
Air filters are available for all kinds of families and match houses of all different sizes and shapes. You can even have new air filters sent to your home periodically so that your air quality doesn’t see any dips over time. Affordable air filters are available now so look into what you need to raise your air quality today!
Finally, the millennial generation is now neatly categorized. According to Pew Research, anyone born between the years 1981 to 1996 is considered a millennial. Anyone born after the year 1996 is part of the new generation or iGeneration. Once upon a time, Millennials were deemed as one of the luckiest generations to have been born in decades. The First World War was confined to history books, the Second World War and the subsequent baby boomer generation instilled great values in our society, the Vietnam War was over, the Cold War was beyond its peak and the generation x was reasonably thriving during the recovery led by President Ronald Reagan.
No one had predicted then that the millennial generation, the largest group in the history of America, would be the unluckiest one. The generation did not realize the recession leading up to their birth and they were exposed to an unprecedented boom through the nineties. It was not just the dot com era or the advent of technology into every aspect of our lives, everything from housing to finance, media to entertainment, sports to politics underwent a tectonic evolution. The millennial generation went on with their studies and became the most educated generation in the history of the United States. Then they were struck with the aftermath of 9/11 and the devastating recession of 2008/09.
Today, the millennial generation doesn’t have enough jobs. The jobs that are there pay little. They have student loans that are yet to be repaid. Many industries are yet to recover. Baby boomers are increasingly putting off their retirement because of the economic crisis. Many jobs have been shipped overseas and many have been lost to automation. What is the millennial generation to do, despite degrees and the aspiration to do well?
Most millennials have debt, if not student loans then credit card debt. Those who had bought homes have failed on their mortgage payments and others have put off their dream to own a house and to start a family till such time the economy recovers and is stable. Such dire situations call for scrutiny and every move one makes to manage their debt can have significant consequences. Many millennials have opted for payday loans and other unsecured loans with staggeringly high rates of interest to manage their debt. They are clearly not the best solutions. Title loans are a much better proposition than unsecured loans with skyrocketing rates of interest.
Millennials in debt should not opt for loans that will increase their expenses exorbitantly. Imagine a payday loan that charges 25% or even 35%. If someone borrows a thousand dollars, then one has to pay two fifty or even five hundred more in a span of thirty days. This is outright impractical and it may propel a borrower to another debt. The best way to manage an existing debt is to opt for a safe and reasonable way to repay it without hampering the present financial status quo. Title loans are licensed and regulated. They are secured loans with reasonable rates of interest.
There are federal laws and state laws regulating title loans. For example, Texas has a state law that mandates every licensed lender to cap the rate of interest at 10%. No lender can charge more than 10% interest on title loans in the state. If a company charges more, then the lender is either not licensed or practicing a policy that is illegal. Millennials can take legal action against such lenders. 10% is a reasonable rate, especially compared to the 30% or even 40% and higher that is charged by some payday lenders.
As stated on https://titlelo.com/texas/ , borrowers usually have thirty days to repay a title loan in Texas but they can extend the repayment term for a maximum of five times. Hence, if you fail to repay the loan in the first thirty days, you can ask for an extension of another thirty days and stretch the period up to a hundred and eighty days. This will obviously incur some additional interest but you will continue to use your vehicle, it will not be seized by the lender and you would not be compelled to get into a bad debt that keeps becoming unmanageable. When anyone is already in a debt, finding a lenient available loan with flexible terms and a reasonable rate of interest becomes the only criterion.