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Financial Planning Basics Every New Parent Needs

Sunday, February 2, 2020

One thing that all parents can agree on is that having kids come with all sorts of surprises. When it comes to your finances, those surprises can cause you some serious stress if you’re not properly prepared. Unexpected home maintenance, family illnesses, or unplanned purchases can all throw your family’s finances out of whack, but a little financial planning can prevent these money mishaps. To get started, you just need to take some basic steps. So, whether you are expecting a new baby or currently raising your first child, make sure you have these tools in place ASAP to keep your family’s financial future protected.

Life Insurance and an Estate Plan


Why Mindfulness Matters

Monday, August 12, 2019

by special guest contributor, John Parrott*

Mindfulness has become a bit of a buzzword over the last few years. But just what does being mindful mean and how does it work? In this brief overview, you'll learn why being mindful matters and how to practice it.

So What Is Mindfulness?

Mindfulness is the practice of being consciously aware in the present moment, without judging your experience. You see, we’re often worried about what could happen tomorrow--or ruminating on problems from the past. By being ‘mindful’, we can enjoy every moment in the here and now. By achieving this state of awareness, we can enjoy a sense of peace within--rather than being distracted by our anxiety.

What Are The Benefits Of Mindfulness?

So let’s look at some of the benefits of mindfulness:


Top 10 Delicious Brain Foods to Keep You Energized!

Sunday, November 25, 2018

It’s 3 am and you’re tired, trying to finish your English paper.  Or it’s Saturday morning and you simply can’t wake up? Need a boost in situations like these? Here are ten savory snacks to give you a little pep and keep you awake!

1. Blueberries-- Cramming for a test the night before and need some extra brain-power? Eat blueberries to help prevent or delay short term memory loss! Eating blueberries while learning new vocabulary may get you a better score on your quiz tomorrow!

2. Tomatoes-- Put tomatoes in your salads and make them a regular part of your diet to prevent long term memory loss in the future!

3. Pumpkin Seeds-- Munch on these tasty seeds to boost your memory or thinking abilities! Eating pumpkin seeds will also fulfill your body’s need for zinc, an essential mineral.

4. Nuts-- Nibble on these crunchy snacks to get your daily dose of vitamin E. Nuts are also a great source of protein!

5. Eggs-- Make yourself an omelet or scramble some eggs to increase your memory skills! The best part about this delicious snack is that you can cook it in various ways specific to your liking!

6. Dark Chocolate-- Although this may not seem like the healthiest option, dark chocolate has been found to increase blood flow within the brain! So, if you’re studying for a test or trying to finish your lab report, snack on some dark chocolate to get your brain flowing.

7. Pomegranate Juice-- Pomegranate juice will offer you many antioxidant benefits! Be beware: pomegranate juice is a great source of sugar, so don’t drink too much! But if you need a little late-night pick me up, this juice can give you a little boost of energy!

8. Greek Yogurt-- Get some Greek yogurt to refresh yourself when you’re tired. It tastes delicious and has more protein than any other yogurt.


Creating Better Sleep: How To Help Your Kids Handle The New School Year

Monday, September 24, 2018

by special guest contributor Joyce Wilson*

For many families, the beginning of a new school year comes loaded with conflicting feelings: excitement, stress, joy and exhaustion. It can be difficult to get everyone back on a healthy schedule after a summer of staying up late and having no responsibilities, which means it’s important to create a routine that will be easy for your little ones to follow once school starts again. This will help them feel rested and will positively affect their moods and productivity in class, and it will also benefit their physical health as well.

While it’s not always easy to get everyone on a good routine, there are small things you can do before school starts and in the early weeks to help them get more rest. Remember that quality sleep is just as important as quantity, so you’ll need to think about how to ensure your kiddos get deep REM sleep with no interruptions. This might mean cutting off liquids after a certain time, or changing up their diet to include foods that will make sleep easier.

Keep reading for some great tips on how to help your kids handle the new school year.

Make it Comfy


5 Tips for Tutoring Students with Disabilities

Monday, July 16, 2018

by special guest contributor, Maria Hills

Learning disabilities usually affect the way children understand and process the information. Disabilities are neurological disorders that might manifest themselves as thinking, listening, writing, spelling, and doing mathematical equations. As a teacher, you must understand that students with disabilities need some accommodation and need to be taught differently so as to enhance their learning capabilities. Here are 5 tips for tutoring students with disabilities,

1. Use music and voice inflection

When moving to another concept, you need to use a short song to help you finish up a task before moving to another one. Use this approach when teaching them in the classroom and you’ll easily capture their attention. Disable students might also respond well to varied tones and voice reflection. So, make sure you use a mixture of soft, loud, and whisper tones. Using an exaggerating speech and proper pronunciation will help you learn the same principles.

2. Give appropriate and clear assignments

When assigning them homework, you need to take a lot of care. If the homework is too hard or takes longer to finish, then students might resist doing it. Homework should, therefore, be an extension of what they’ve just learned in class. So, make sure you explain this properly to them.

3. Break down the instructions into smaller tasks which can be managed

Disabled students often have a problem with understanding long winding statements. For those who have learning disabilities you should simple and strong sentences. Or instance you might need to break down a concept into smaller steps to ensure that students who are disabled understand what’s happening. Ask them to demonstrate that they’ve understood the facts. Do not give more instructions until you are sure that they’ve completed the previous tasks.


Summer Side Hustles for Teachers

Tuesday, June 5, 2018

by guest contributor Joyce Wilson of Teacherspark.org  

When you are a teacher, people assume you spend your whole summer lazing around in a hammock sipping lemonade. However, the more likely scenario is you spending those couple months going over lesson plans, fixing your budget and caring for your family. However, there is a bit more free time during the summer months, so why not take advantage of it this year by starting a side hustle that you can take with you into the next semester? 

We’ve gathered up some of our favorite ideas for summer side hustles for teachers. Check them out below.

Interior Home Painting 

If you find the roll of a paintbrush over a wall soothing, there is no better time to start your own little home and room interior painting business than the summer. Families who want a fresh coat are more likely to hire you to do the project while they are gone on vacation. They come home to a new look and you go home with some extra hard-earned cash. Part-time interior painters can make as much as $35 an hour!

TIP: Start a portfolio with photos of the impressive work you’ve done in your own home. 

Pet Sitting and Dog Walking


5 Healthy Drinks to Fuel Your Next Study Marathon

Tuesday, March 27, 2018

In the face of a long, multi-hour study session, students often hit the books with a caffeinated beverage at arm’s reach, such as coffee, soda, or one of an ever-expanding assortment of energy drinks.  But the effects of these liquid pick-me-ups could wear off too soon, which means that they might not be the best fuel for your next study marathon.

According to a report from the National Academy of Science, “a variety of beverages is well-suited to satisfying the fluid requirements of people of all ages,” including students (source). Water is, of course, important for prolonged hydration; but if you’re looking for something with a little flavor that will keep you going through all of the studying that lies ahead, then we recommend that you try one of these:

1. Citrus Tea Punch.  A variety of teas offer the added benefits of antioxidants that help boost the immune system and ward off illness.  Add to that a good dose of orange juice, packed with vitamin C, and you’ve got a refreshing treat that’s also quite healthy.  The recipe is here.

2. Blackberry-Mango Shake.  This tasty concoction is jam-packed with fiber, protein, and vitamin C.  In the short term, it will give you a little boost for your study session.  But in the long term, the nutrients in its blackberries, mango, orange juice, and tofu (yes, tofu) will help in the fight against heart disease. The recipe is here.


3 Relaxation Techniques to Try During a Study Break

Monday, February 5, 2018

Students often find themselves so overwhelmed the night before a big test or major essay is due that they become paralyzed by the stress.  And there are those dreaded days, scattered throughout the school year, when two or even three hefty assessments (quizzes, tests, projects, papers, etc.) are all due at once.  Uggh!

But don’t collapse under all of the pressure.  Do your best--or enlist the help of a parent, guardian, or tutor--to map out your study time, complete with breaks for food, drink, and vital restorative activities.  In a previous blog post, we recommended trying out a few simple exercises as a pick-me-up if you’re feeling sluggish during a marathon study session.  But if you feel just the opposite, as if you can’t seem to relax enough to focus, then we suggest instead that you employ a simple relaxation technique that will help you find the peace and calm that you need to prepare effectively for the next day’s challenges.

So, with this in mind, here are three relaxation techniques to dry during a study break:

Meditation.  According to Robbie Hartman, PhD, a Chicago-based health and wellness coach, “Daily meditation may alter the brain’s neural pathways, making you more resilient to stress” (quoted by WebMD).  Resilience to stress is exactly what you’ll need to power through that study session, so move from your desk chair to the floor and settle in for the next 10-15 minutes.  Then, sitting upright with your legs crossed, close your eyes and focus on the recitation (either aloud or mentally) of a mantra, such as “all is well” or “I’ll be fine.”  WebMD recommends placing one hand on your belly to sync the recitation of the mantra with your breaths, and to let any stressful thoughts “float by like clouds.”


Five Tips for Surviving an All-Nighter

Saturday, November 18, 2017

It’s that paper you’ve been putting off for weeks. Or that big project you’ve told yourself you would finish up. But here you are, the night before it’s due, nervously watching the clock as it moves from 8 PM to 10 PM, and before you know it, it’s 2 AM and you’re still not done. This situation calls for: an all-nighter. This may sound daunting, but fear not! Here are survival tips (from yours truly who has pulled many an all-nighter) that will help in your academic endeavors.

1. Sip, don’t chug!

If your first instinct is like mine (to start your all-nighter by chugging three Red Bulls), think again. While this will definitely boost your energy, it will also overload your brain and body with adrenaline, the neurotransmitter responsible for the flight-or-fight response. I’ve done this, and my hands ended up shaking so badly I couldn’t type, let alone concentrate on stringing a coherent sentence together. Instead, ingest the caffeine slowly so the inevitable ‘crash’ later on won’t be as drastic. Space the drinks out! If you know, for example, that three hours after a cup of coffee you begin to feel tired, start sipping your next caffeinated beverage half an hour before that; this will provide a small boost of energy and will help you avoid a crash.

2. Know your naps

When I pull an all-nighter, I hit a wall around 3 am—desperate for sleep, but not willing to put my paper/studying in jeopardy. Instead of downing another Red Bull, I’ll bargain with myself (e.g. ‘If I can finish this paragraph in the next ten minutes, I’ll take a ten minute nap’), set an alarm, and almost instantly lose consciousness.