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Loans to Help Struggling Parents

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When you’re a parent, life can feel never-ending. You are stretched thin. Finances can be tough. There’s nothing worse than being stressed out worrying you won’t have enough money for your rent, food, and children’s needs. You could need a new car. You might have to move. Unexpected expenses always seem to arise at the worst times. If you’re a struggling parent, you might need some help every now and again. Luckily, there are many finance options and affordable loans to take out even if you don’t have a good credit score. Below are some loans to help struggling parents when you need it the most.

Auto Loans

Do you need to buy a new car? When all of a sudden you don’t have a vehicle or have been in an accident, it can feel impossible to get what you need and get on top of your finances again. However, auto loans are a great option. While auto loans are secured auto loans, they allow you to use the car you purchase as collateral. This means that if you don’t pay the payments on time, the vehicle could be repossessed. Still, it’s a great option when you need to buy a car and don’t have any money for it.

Student Loans

If your child is graduating high school and getting ready to go to college, you might be worried about where the money is going to come from. While student loans don’t have a good reputation and are known to leave students with a lot of debt before they begin their career, it doesn’t have to be this way. There is pre-paid student financing and you can pay off student loans in a good amount of time.

One of the best parts about student loans is that if they come from the federal government they are not subject to a credit check and therefore will not impact your credit score. This is great for parents who need cash to fund their child’s education but don’t want to take a hit on their credit if they don’t pay it back. However, you should be careful because this is how they make money—the interest will go up and can become quite overwhelming.

Installment Loans

Another option for parents who have bad credit is an installment loan. These are loans that typically don’t require a high credit score; in some cases, these loans are called “credit builder” or “credit starter” loans because they can help you build your credit if you make all of your payments on time. Installment loans can provide much-needed cash if you don’t have credit history or if you need to rebuild the one you have. Lenders who provide this type of option can be found in most cities, so whether you’re looking for loans in Wichita Falls TX or loans in Lawton OK, you should be able to find one of these.

Home Equity Loans

Home equity loans are an example of secured loans because there is collateral involved. When you have equity in your property, you can use it to your advantage by putting your home on the line to take out credit. Of course this means that if you don’t pay the loan back soon enough, the lender could repossess your house. A plan is integral, but if you need money in a pinch and know exactly how you will pay it back, home equity is leverage you can use to gain access to some funds.

Debt Consolidation Loans

Are you struggling with debt? Consolidation loans offer a method to converge your debts into a monthly payment with a single interest rate. You will know exactly what you need to pay every month to get out from under the debt, a benefit that can be used to your advantage.

Financial security isn’t easy, especially when you have children. If you need a little help, there are many loans available to you. Whether you have a great credit score or no credit history at all, loans can provide money when you need it the most. If you play your cards right and pay back your debts, they can help you stop struggling.

 

FIVE REASONS WHY YOU NEED TO CHECK YOUR CHILD’S APPS’ ACTIVITY EVERY FEW DAYS

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When your child reaches the age when you allow them access to the internet and all the social media apps, the responsibility on your shoulders is doubled. To share that burden, FamilyTime allows you to monitor your kids digitally.

But is there something you are ignoring? Checking their activities over apps every few days, for example?

Here is why, using an FamilyTime android parental control app, you should examine their apps’ usage activity after every interval of time.

  1. To Keep A Check on What Kind of Activities They are Involved In

It is important to tell your kids that you trust them but that does not mean never check what they are involved in. Kids particularly teens and their activities are influenced by a lot of factors and parenting is just one of those. Their peers, latest trends, and other activities will decide what are they doing over social media, how much they are using gaming apps, and which new apps will they use for chatting.

FamilyTime allows you to check their activities over different apps for the past 30 days. So, checking the time they have been spending over different apps, you can guess if there is something wrong with a particular one.

  1. To Keep a Limit to Their Screen Time

Over usage of the screen is not because there is something very attractive about the screen itself. But, it is how different activities keep a child bound, and then they are unable to get out of them. Apps play a significant role in making a child overuse the screen. For example, gaming apps make a child addicted to them. The same is the case with social media apps as teens waste a lot of time over them.

So, to make sure that they are not exceeding the normal screen time for the day, you have to check their time spent on apps every now and then.

  1. To Let them Not Be Addicted to Any Games or Social Media

Gaming addiction is a real thing as it has been researched a lot by the psychologist community. Likewise, social media addiction and internet addiction are brought to light by the researchers.

The alarming part of the reality is that it has the same symptoms and same effects as drugs addiction does. So, before your child falls a victim to any serious issue, you have to prevent the causal factors. Because at the end of the day, it can be beyond your control.

With the FamilyTime parental app, you can not only watch the time they have been spending over different apps for the past few days but also control the time by setting a daily limit. This is a wonderful way to control their screen time and prevent its future effects.

  1. To Train them for a Responsible Use of Social Media and Other Apps

By responsible usage, I mean using social media or other apps only for good reasons and for a limited time that does not affect the health of a person in any negative way. Of course, these networks are healthy and productive only when used within limits as an activity. But the pattern is, it overcomes every other activity and then the kids start living their life in the social media world.

It is important to train them to use social media only when they are free, or only during the time when there is more important work pending. You should check their activities to know they are not using social over the expense of something else.

  1. To Modify Your Controls and Checks

When you use the FamilyTime parental monitoring app to put restrictions on your kids’ app usage, it becomes your responsibility to keep a check over their activities to modify your controls.

Let’s suppose, if your child has started becoming responsible with time, what do you think you should do? Definitely, make your restrictions flexible so that they know you were doing it for a reason. Also, if you think they are not following a healthy routine, you can be stricter putting digital controls. That’s why it is very important that you keep on checking their activities over different social apps.

FamilyTime is an amazing iPhone and Android parental control app not only empowers you to put extensive controls over social media but monitors all the digital activities. Check out the rest of their features over the official website. Also, you can download it for free from App Store or Play Store.

 

How to Unpack Variable Rewards Rates for a Credit Card

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Many credit cards offer a variety of reward rates. When you make a purchase with a rewards credit card, you’ll get a certain number of points. However, you may earn a different amount of points per dollar with many credit cards. Variable rewards rates can be a bit confusing, so if you want to get the most out of your credit card, you need to understand them. Here’s what you need to know about variable credit card rewards rates.


1. Different Purchase Categories

The most prominent type of variable rewards rates is different purchase categories. For example, a specific credit card might give you the option to get extra rewards when you buy at a grocery store or at a restaurant. Many credit cards offer these types of variable rewards rates, often giving you a baseline rewards rate, then more for certain categories of purchases.

2. Specific Companies

Some credit cards may also have agreements with different companies that give you extra rewards when you make a purchase through that company. If you choose to take advantage of the Chase Sapphire Reserve promotion, for example, you can get 10x the rewards on all purchases you book with Lyft through your credit card. The Chase Ultimate Rewards travel portal also gives you extra rewards on many other travel purchases.

3. Annual Credit

Annual credit can be a type of reward. The Chase Sapphire Reserve card has a steep $550 annual fee, but it also gives you a $300 annual credit for travel purchases, so as long as you use the credit, the fee is basically just $250 per year. This annual credit may vary depending on certain elements, like how much you spent on the card the last year, or it may be the same no matter what. An annual credit can be a type of reward that you can use to essentially reduce the annual fee of using an especially premium credit card.

4. Transfer Options

Some credit cards allow you to transfer rewards points to different partners. This may allow you to transfer points to a partner that can use your points more effectively. The Chase Sapphire Reserve card has 14 airline and hotel transfer partners, which allow you to transfer your points on a 1:1 basis. If you keep an eye on the value of different airline and hotel rewards points, you can often transfer your points over to make sure they’re worth as much as possible, creating your very own variable rewards rate.

Conclusion

Variable rewards rates can be a good way to use credit cards in the most effective way possible. If you pay attention to variable rewards rates, you’ll often be able to get more from all your purchases, using credit cards with high rewards rates to pay for certain purchases. With this information, it can be much easier for you to understand how variable rewards rates work and how you can make the most of them.

 

What Are the Best Foods for a 6-Month-Old Baby?

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Babies grow fast. As they grow, their body changes and so do their needs. It’s not a problem if you breastfeed your infant. Your milk content changes to adapt to your little one’s needs and supplies them with all the nutrients they require. But what if you have to formula-feed? In that case, you have to change your infant’s diet as they grow. Let’s see what foods are the best for 6-month-olds.

Why is Stage 1 formula isn’t good for a 6-month-old baby?

During the first year of life, your baby’s GIT evolves rapidly. So do its adaptive capabilities. A newly born’s digestive system is very different from that of an infant who’s half a year old. A 6-month-old can actually try to digest some ‘grown-up’ foods like fruit or veggie purees. This means that the formula content must change accordingly.

Why do you have to switch to the Stage 2 formula at 6 months? 

Switching formulas is necessary to make sure that your baby gets all nutrients they need in appropriate amounts. As an infant grows, you often can notice their usual formula doesn’t satiate their appetite. They start crying as soon as you finish feeding. They just don’t get enough. You might prepare bigger batches to give them more, of course. But it would be quite a load for their GIT. Why would you do that when you can give them less formula and still get them full and satisfied?

What to look for in a Stage 2 formula

Pay special attention to ingredients. Make sure there’s no palm oil or soy. Look for lutein for better eye development. Nucleotides will strengthen the immune system. Omega fatty acids are great for the nervous system in general and the brain in particular.

Note what it’s based on. In case your baby is prone to allergies, choose formula based on goat milk.

Best formulas for 6-month-olds

1. Holle Stage 2 Goat Milk Formula

Holle goat milk formula Stage 2 is one of the best choices when you’d like to switch to a mixed diet or wean. Goat milk contains fewer allergens and ensures your baby’s comfort. Contains algae oil DHA, vegetable oils. No GMO, soy, added sweeteners.

2. HiPP Stage 2 Organic Formula (German)

HiPP Stage 2 includes all the nutrients your 6-month-old requires. Contains prebiotics & probiotics for better digestion and a stronger immune system. No added sugars or artificial components.

3. Loulouka Stage 2 Goat Milk  Formula

This infant food is made of powder that comes from whole goat milk. Contains organic components only and is vegetarian-friendly. No artificial colors or flavors. Palm oil-free. Contains coconut oil.

The variety in infant formulas helps make sure that your baby gets everything they need at any stage in their life. Choose carefully. More importantly, let your choice be based on recommendations coming from medical professionals. At the same time, trust your mother’s instinct too. This way you’ll be able to pick exactly the product your little one needs.

 

15 best summer hair care tips

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Like the sun can damage your skin, it can damage your hair as well. As soon as summer starts, your healthy tresses can probably become damaged gradually. The sun can make your hair dry and rough with the UV rays. This is why many people opt for short hair in this season. It’s significant to take proper hair care during this season to protect hair and scalp.

Causes of hair damage during summer

The major problem you often face with hair is frizz. During summer, hair takes in the humidity. This makes the shaft swell causing breakage in the cuticle which results in frizz. Swimming during summers might damage your hair even more. Chlorine in the water can lead to your hair losing its natural oils. If you dip in seawater, the heavy salt content in the water takes out all the water in your hair, leaving it dry. Has your hair been dyed or highlighted? It is prone to UV damage. The sun will make the cuticle even rougher. This can make the hair more fragile and dried out.

Summer hair care tips

  1. Cover your hair: While traveling, avoid letting the wind rush through your hair. This causes tangling and dry out your hair.Cover your hair with a good scarf. If possible, use a cotton one and tie it loosely so that it does not hinder circulation. You can also wear a hat this season.
  2. Trim it: Hair regrowth is faster in summer than in winter. Trim your hair at the beginning of this season or you might like to have a summer special haircut. By the end of the season, your hair may grow pretty well.
  3. Wet your hair before swimming: Before swimming, wet your hair with clean water. Wet hair will soak up less chlorine or sea salt when compared to dry hair.
  4. Wash your hair after swimming: After swimming, wash your hair well with clean water to remove the chlorinated pool water.
  5. Wash your hair frequently with shampoo and conditioner: During summer, you sweat a lot. Your scalp becomes sweaty and dirty. So, you should wash it frequently. It is recommended to opt for moisturizing shampoo and conditioner to protect your hair. Use an anti-residue shampoo once a week. Deep condition your hair using coconut oil or any other good oil.
  6. Hot oil rinse: A hot oil rinse is a must in the summers. Shampoo your hair. Heat a natural oil and apply it to your hair. Your hair should be moisturized afterward, but not greasy.
  7. Towel dry gently: Before you let your hair loose to dry naturally, you will obviously towel dry it. Nevertheless, be careful as the friction between the towel and your hair can cause hair breakage.
  8. Get into deep conditioning your hair: Deep conditioning is an important aspect of summer haircare. Summer can make your hair fragile; deep conditioning can undo this damage by hydrating your hair. It can also undo the harmful effect of the sun on hair.
  9. Apply serum: Get a good serum to get rid of the frizz. Apply a small quantity of the serum.
  10. Apply sunscreen: After applying sunscreen on your body, simply run your fingers through your hair and let the residual sunscreen protect your hair from UV rays. It should be washed out.
  11. Use a hair conditioner that contains sunscreen: The sun’s heat will activate the conditioner. This softens your hair, while the sunscreen will prevent UV rays from causing damage to the strands. Is your hair color-treated? Ensure to use a leave-in conditioner with sunscreen to prevent the color from fading out.
  12. Say no to styling: Avoid hot styling tools such as hair dryers, straighteners and curlers. Hair sprays are drying. The ingredients in it damage hair. If you need to use hair sprays, then choose those with natural ingredients and conditioners.
  13. Use a scalp cleanser: Use a scalp cleanser that is designed to remove toxins from your hair like chlorine as well as auto emissions and other environmental pollutants. Use the hair oil to massage your hair once a week, leave overnight and wash off the next day.
  14. Use a wide-toothed comb: Do not brush your hair, use a wide-tooth comb instead. These can be way less harsh when it comes to untangling your locks.
  15. Eat a balanced diet: Ensure you’re getting essential nutrients. Omega-3 fatty acids are very good for strong and healthy hair. These are found in spinach, salmon, eggs etc. Have some greens. Fruits and dark green vegetables are very good for healthy hair. Take some broccoli as well. Citrus fruits are rich in vitamin C and antioxidants which improve hair regrowth. Get some nuts that contain zinc. Consume carrots as these contain vitamin A.

These home remedies or cosmetic or salon treatments for hair loss might improve your symptoms but not necessarily help the actual cause. It can lead to occasional relapses or continued slow deterioration. There are different hair loss treatments available such as local, steroid injections with or without oral steroids. But they might come with a host of side-effects.

Homeopathy can be of great help for people of all ages. It offers a safe hair fall solution. Research studies have proven the efficacy of homeopathic medicines in treating hair loss. According to a study, homeopathic medicines aid in combating DHT (a hormone responsible for hair loss) without any toxic side-effects. (Source: Skin Research Institute of Europe)

There are different treatment options that can be supplemented along with homeopathy treatment to enhance the results. They are as follows:

  • Hair Vitalizing Treatment to resuscitate the growth cycle of hair follicles
  • STM cell treatment to increase hair volume and hair density
  • groHAIR treatment to stimulate hair regrowthand improve hair volume

Do not let summer hair loss woes hamper your confidence. Consult a homeopathic doctor right now for the best hair fall treatment by visiting your nearest homeopathy clinicright away!