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5 ways to Invest for Kids

5 Ways to Invest for Kids Let's talk ways to invest for kids. As a parent, you are not obligated to invest for kids. BUT, this is an extraordinary gift if you can swing it. Of course, you should provide all of the basic needs for your child(ren), and the majority of us go above and beyond that! You need not be a millionaire or come into a windfall of money to do this. You may be wondering how do I start investing for my child? Let's take a look at some of the best ways to invest for kids.  1. Put your oxygen mask on first You can't truly help someone else unless you've addressed your own needs. Your future is just as if not more important than your children's. If you tend to yourself properly, it follows that your child(ren) will likely also be cared for. Your child(ren) can take out student loans to fund an education, but you cannot borrow money for your retirement. Educate yourself. Follow financial content creators, use your local library, sign up for classes and...
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5 Reasons to Consider Cutting Back on Caffeine

5 Reasons to Consider Cutting Back on Caffeine Caffeine is considered the most popular, legal, psychoactive substance in the world.  Over 90% of Americans consume caffeine according to  foodinsight.org ,  Caffeine is most often consumed in coffee and tea , but can also be found in soda, energy drinks, supplements and chocolate (commissions earned). Caffeine is a stimulant that promotes alertness and improves concentration and mood. Sounds great, right? But when it comes to caffeine, you can have too much of a good thing. Let's look at 5 instances where you might consider cutting back on caffeine.  **This post contains affiliate links. I earn small commissions for clicks that result in product(s) purchased, at no extra cost to you. Thanks for your support! 1. Anxiety Caffeine is a stimulant. If you struggle with anxiety, the last thing you would want to do is exacerbate the symptoms. Such symptoms can include sweating, restlessness, racing thoughts, rapid heart beat ...
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10 must have baby registry gifts that keep on giving

  Let's talk must have baby registry items. Perhaps you or someone you know is expecting. It's common to shower the expectant with gifts for their little one. Now that my daughter is a toddler and we are blessed to have all the things, I've grown to appreciate the items I've continued to use beyond the newborn stage.  It may not feel like it when you're in it, but the time truly goes so fast. Before you know it, you won't need as much when your baby is not so little anymore (unless perhaps you plan to have more children).  This list will suggest baby registry items to include on your baby registry (or give as a gift) that can grow with your child (commissions earned).  DaVinci Jenny Lind convertible crib .    Most cribs are convertible in the sense that you can lower the bottom as your child grows so they may remain in the crib as long as safely possible. I love this one, because you can purchase the  DaVinci Jenny Lind Toddler Bed Conversion Kit ...
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6 bridal registry gifts that keep on giving

  Let's talk bridal registry gifts. Wedding season is approaching. But before the walk down the aisle, there is often a bridal shower. At the time this post is being published, it has been about nine years since I created my bridal registry.  Let me take the guessing out of which gifts to include on your bridal registry or give as a gift. Let's look at the bridal registry gifts I'm still using years later! Gift givers, I now speak directly to you (in my best Lord Voldemort voice). Before you buy, here is some unoriginal advice. Money is the universal gift! Gift cards are great, particularly if they're for stores where the couple registered.  USE THE BRIDAL REGISTRY. A lot of time and effort is put into creating a registry, so anything from it is sure to be a hit. Gifts purchased from the bridal registry come with benefits such as an extended return policy. There is often a discount to purchase any remaining items from a bridal registry once the gift giving slows down....
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Should You Use Talc-Free Makeup?

Should You Use Talc-Free Makeup?  Let's talk talc. Say that five times fast! Talc is the ingredient that caused me to toss half of my make up stash in the trash. Talc is a common ingredient across many products in the makeup and personal care product industry; in fact, it's often the first ingredient listed! Talc may sound familiar to you as it was at the center of the multibillion dollar Jonson & Johnson lawsuit. To summarize, many of the plaintiffs claimed that the talc used in Johnson & Johnson baby powder was contaminated with asbestos, a known carcinogen. And that this exposure to asbestos from using the product led to the development of gynecologic and lung cancers. As of 2020, talc has been replaced with cornstarch in  Johnson & Johnson baby powder  (commissions earned). For more information on the case, check out this  New York Times article . Now, back to makeup.  The problem. Talc is a common ingredient in makeup and personal care products,...
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Is it a Good Idea to Get a Pet? 10 Things to Consider Before You Get a Pet.

  Is it a Good Idea to Get a Pet? 10 Things to Consider Before You Get a Pet. This post is going to highlight some of the not so glamorous parts about having pets. Please, don't come at me! The truth is if done right, owning pets can be costly among other challenges.  At the time this post is being published, there is an epidemic of "Covid pets" - animals that were adopted while people were spending more time at home during the pandemic that are now being surrendered to shelters.  If you take on a pet without truly knowing what you're getting into or being in it for the long haul, then that's not fair to the animal either. Don't mistake me for a pet hater. I have two cats, and there was always at least one pet in my childhood home. I'm not denying the benefits of having pets, and realize that they can be beloved family members.  But let's explore some of the things pet owners might not realize they're signing up for when they get a pet. Is it a Goo...
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You need a living will!

  Let's talk living wills.  Sorry if I'm coming on too strong, but we are all going to die. And everyone deserves to die with dignity. This is why YOU need a living will. No one knows you better than you - not your partner or children, etc. Kudos if you've even had these conversations, but even better to put your wishes in writing! A living will is one part of estate planning. As you might have guessed, estate planning increases with age ( legalzoom.com ); unfortunately, not everyone grows old. While discussing death may be uncomfortable, actually dying without having your affairs in order could really be uncomfortable - for you, as your wishes may not be satisfied, and for the loved ones who may find themselves in the difficult situation of having to make decisions on your behalf while grappling with their own feelings. As a physician assistant, I've helped many clients create living wills. I've helped family members make informed decisions regarding the content ...
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Screening colonoscopy prep and procedure: a firsthand account

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Looking to save money? 4 High Yield Savings Accounts you should check out!

Looking to save money? 4 High Yield Savings Accounts you should check out!  Let’s talk high yield savings accounts (HYSAs). Gone are the days of having “mattress money.” Or at least they should be. Why? Because you should not be keeping your emergency fund under your bed! Wouldn’t it be better to put your money where it could make you MORE money while you sleep instead?   If you have an emergency fund, you are already ahead of the game. Check out this article  that states only 44% of Americans can cover a $1,000 emergency expense from their savings. An emergency or rainy day fund is just what it sounds like: money set aside for unforeseen costly circumstances. Think car or home repairs, medical emergencies, pet injuries - you get the picture. These things can happen to anyone, so we should all prepare for them. You’ll find that the more prepared you are, the less emergencies you will experience! So what should you do? First, aim to have $1,000 set aside. Ideally, you will...
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What Do Different Colored Pumpkins Mean on Halloween?

What Do Different Colored Pumpkins Mean on Halloween? From pillowcases to pumpkin pails, kids carry all kinds of candy receptacles to trick-or-treat. While much thought might not go into using a grocery bag, the use of different colored pumpkins for trick or treat could be intentional.  Just as trick-or-treaters can send a signal with what they carry to collect candy, people passing out treats can do the same with their Halloween decor. Whether you collect or pass out treats, arm yourself with the knowledge of what different colored pumpkins mean on Halloween to prepare for all sorts of trick-or-treaters. **This post contains affiliate links. I earn small commissions from clicks and qualified purchases at no extra cost to you. Thanks for your support! Teal Pumpkins  Teal pumpkins represent food allergies. Your child with a food allergy can carry a  teal pumpkin trick or treat bucket .  Decorate your porch with a  teal pumpkin  to provide a more inclusive tr...
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