This is Back-To-School season, so there is a hustle to get as much shopping done before the academic session resumes. During this Inflation, there is no better news than how to save money or cut back on costs.

The American Hope Resources has shared how families can save during Back-To-School shopping. The details can be seen in the interview below.

HOW MUCH DOES THE AVERAGE AMERICAN SPEND ON SCHOOL SUPPLIES?

Prices have skyrocketed, and families are expected to spend more on Back-To-School shopping this year.

On average, parents spend $661 per child in K-12 on Back-To-School shopping. This signifies an 8% increase in the prices from 2021.

According to another survey from the National Research Foundation, household spending on Back-To-School items is estimated to be at $864 for the 2022/2023 academic year.

IS IT TOO EARLY FOR BACK-TO-SCHOOL SHOPPING?

We always advise this at American Hope Resources; for families with multiple children, it is essential that you aim for early sales to cut back on some costs.

Retailers usually offer incentives in the first few weeks of their Back-To-School sales.

You can list your child’s needs or grab the one provided by the school, if any. Many of the items are general and will not change over time. Thus, you can start by purchasing such items. That way, you can get most of your shopping done at reasonable prices before the Back-To-School rush begins.

HOW CAN FAMILIES SAVE WHILE BACK-TO-SCHOOL SHOPPING?

Don’t Feel Pressured To Purchase Every Item

There will be other back-to-school sales options in September. You may prioritize items in demand, such as clothing or technological devices.

Have A Budget 

You need to go shopping with a plan. Having a clear plan will help you to avoid impulse buying.

Compare Prices Between Markets 

You can search online to compare prices to get the best product deals. That way, you can purchase your Back-To-School necessities.

You Don’t Have To Shop In One Place 

You can spread out your shopping between markets with great deals. You do not have to get all your Back-To-School necessities in one place.

You Can Purchase Refurbished Gadgets 

You do not have to buy the latest devices or even new ones. You can buy used gadgets and electronics that are still in good condition and will serve your desired purpose.

WHY IS HAVING A BACK-TO-SCHOOL CHECKLIST IMPORTANT?

Having a list will assist you in placing your priorities right. It will prevent you from going over your budget. It will also help you to determine what you need to purchase it. Planning a list will also prevent you from going over your budget.

It will help you determine what you need and how much to purchase. Planning a list will also prevent you from forgetting to purchase anything.

WHAT ARE SOME OF THE SUPPLIES THAT ARE GENERALLY NECESSARY FOR A BACK-TO-SCHOOL LIST?

Some of the things you need for a back-to-school list include; clothes, classroom supplies, snack bags, college sets, and additional educational materials, such as comfortable reading tables and chairs.

 

 

Receiving a gift gives us happiness out of the world and even more so when it is from a loved one! Yes, you may not be able to express it well, but deep down it makes us happy. Whether it’s a birthday gift from a friend or a special anniversary gift from our spouse, or just a bouquet of flowers for no reason to brighten your day, gifts have a different vibe that can’t be summed up in words.

In the same way, as we become so obsessed with apps and online shopping, marketers have found new ways to make us happy. Yes that’s how it is! So, have you ever heard of Google Play Gift Card? Wondering what to do with it? In this post, we will cover how to use Google Play Gift Card or google play card Pakistan and all the benefits you can take advantage of. But first, let’s understand what Google Play Gift Card is and how you can send Google Play Gift Cards online to your friends and family.

What is Google Play Gift Card?

Did someone just send you a Google Play gift card? Well, first you have every reason to be happy about it. Just as its name implies, Google Play Gift Card allows you to purchase apps, music, movies, and other digital content on the Play Store for free. You can think of it as a cashback card with which you can buy your favorite content from the Play Store and enjoy these services on your Smartphone.

Also read: Things to know about the Google Pay app

Another benefit of using Google Play gift cards is that any digital content you buy online will be accessible across your entire Android device, where you can find all your favorite apps and services in one place.

So if someone just gave you a Google Play gift card, you have every reason to thank them! Now, without wasting any more minutes, let’s explore how to use Google Play Gift Card.

How to redeem Google Play gift card?

The process of redeeming a Google Play gift card is quite simple!

How to redeem a gift card online:

If you’re redeeming the gift card online from your PC or laptop, head over to this Google Play Store link.

So basically, every Google Play gift card has a 16-digit code printed on the back that you have to scratch off to reveal. Once you’ve scratched off the gift card, enter that gift code at that Google Play Store link.

Type the code correctly into the box, and then hit the “Redeem” button when you’re done.

And that is! In an instant, the gift amount will be added to your respective Google Play account balance. Next time, every time you make an online purchase on Play Store, you will use this amount as a reward to buy your favorite apps, music, movies or any other digital content.

You may have heard that Medicaid is changing how it deals with homes. If you’re like many people, you may be wondering what this means for you and your family. “Is it time to sell my house?” you might ask yourself.

This post will explain how Medicaid will know if you sell your house and why keeping them in the loop is essential. We’ll also provide some tips on making the transition as smooth as possible. Stay tuned!

What Is Medicaid, And How Does It Work?

Medicaid is a government-sponsored health insurance program for low-income individuals and families. The federal government and individual states jointly administer the program, and each state has its eligibility requirements and benefits package.

However, Medicaid provides coverage for medical expenses, including hospital stays, doctor visits, prescription drugs, and long-term care. The program also covers some preventive services, such as immunizations and screenings.

How Does Medicaid Work?

The federal government and individual states jointly fund Medicaid. Each state sets its eligibility requirements and benefits package within federal guidelines.

Most states use a combination of income standards and asset tests to determine eligibility, but some states have expanded their programs to include all low-income residents.

Coverage for Medicaid beneficiaries is typically provided through private health insurance plans. In some cases, beneficiaries may also receive coverage through public health insurance programs such as Medicare or the Children’s Health Insurance Program (CHIP).

Medicaid benefits are not subject to tax.

How Would Medicaid Know If You Sell Your House?

Medicaid is a needs-based program, which means that applicants must have few resources to qualify. As a result, Medicaid closely monitors an individual’s assets, including home equity. If an applicant for Medicaid has more than $500 in home equity, they will not be eligible for coverage.

However, there are some exceptions to this rule. For example, if the applicant is disabled or over the age of 65, they may be able to exempt their home from the asset test.

In addition, if the applicant lives in a community property state, it will count as only half of the house’s total value.

Why Is It Vital To Notify Medicaid When Selling Your House

There are a few reasons you must tell Medicaid if you find home buyers for your house. For one thing, your Medicaid benefits could be affected. If you have Medicaid coverage, you may lose it if you no longer own your home.

In addition, if you sell your house, you may need to pay back some or all of the Medicaid benefits you’ve received.

It’s vital to notify Medicaid as soon as possible after selling your home. In addition, if you have a mortgage, you’ll need to tell your lender.

You may be required to pay off your mortgage in full when you sell your home. So it’s essential to make sure that you have the funds available to do so.

Consequences Of Not Notifying Medicaid

“I want to sell my house fast, but does Medicaid need to know?” is something you tend to ask yourself before selling your property.

Notifying Medicaid of changes in your circumstance, like selling your house, is vital to avoid negative consequences. You could be penalized if you don’t let them know and they find out.

You may have to pay back some of the money that Medicaid paid for your care, or you could be ineligible for coverage in the future.

It’s crucial to notify Medicaid as soon as possible when there are changes in your situation. Letting them know about changes like selling your house helps make sure that you can continue getting the coverage you need.

Notifying Medicaid That You Sold Your House

If you’ve recently sold your house, you’ll need to notify Medicaid so that you can update your coverage. You can do this by logging into your account and updating your contact information or calling the Medicaid office and speaking to a representative.

Be sure to have your new address and contact information ready when you make the call and your Medicaid ID number.

Once you’ve notified Medicaid of your change of address, they will update your coverage, and you’ll continue to receive the same benefits you were receiving before.

If you have any questions about how your coverage will be affected by selling your house, ask a Medicaid representative. They can help you understand the process and ensure that you continue to get the coverage you need.

What Happens If You Don’t Want To Sell Your House But Need To Move Out Of State

If you’re not ready to sell your house but need to move out of state, you have a few options. You can choose to rent out your home, put it into storage, or find a trusted friend or family member who can live in your house while you’re away.

Each option has its own set of pros and cons, so it’s crucial to weigh your options carefully before deciding.

1. Renting out your home is a great way to cover the costs of owning a home while you’re away. However, it can be challenging to find reliable tenants, and you may have to deal with repairs and maintenance issues while you’re away.
2. Putting your home into storage is a convenient option if you’re not ready to sell, but it can be expensive, and you’ll need to find a place to store all of your belongings.
3. Suppose you have a trusted friend or family member who can live in your house while away. It’s essential to make sure that they are comfortable taking on the responsibility and that you have a good communication plan in place in case of any emergencies.

Whatever option you choose, notify your mortgage lender and your insurance company of your plans. When you’re renting out your home, be sure to check with your local laws to follow all the necessary regulations.

By taking the time to plan, you can make sure that selling your home is the right decision. When you understand the process and know what to expect, you can help make sure that the process goes smoothly.

Should You Sell Your House To Companies Buying Homes For Cash?

You may be considering selling your house to one of the many companies that buy houses for cash. You should keep in mind a few things if you’re thinking about this option.

There are some companies that are in the business of making a profit. Some would low-ball their initial offer hoping that you’ll accept it. This doesn’t mean that all companies are the same. When you find the right one, they will negotiate with you first and foremost.

We buy houses for cash, and we can help you if you want to sell your house. You don’t need to spend anything on repairs or renovations. It’s for you. There are certainly some advantages to selling your house for cash, be sure to weigh all your options before deciding.

Understanding What Medicaid’s Goal Is

Medicaid is concerned about people selling their homes to get out of the program. They want to be sure that people aren’t taking advantage of the system, and they also want to make sure that those who need help can still receive it.

If you plan to sell your home, please get in touch with us first. We can help you through the process and ensure that everything goes smoothly.

We buy houses, and we want to make sure that you have all the information you need before moving forward. Contact us now if you have any questions or concerns about selling your home.

When looking to start trading in the foreign exchange market, it is essential to realize many different approaches. Different forex traders have different skillsets and abilities, creating numerous possibilities for success. However, many new traders waste time trying out several strategies before finding one that fits their style. The following will describe some of the most widely used methods so that individuals can get started more quickly and accurately and try online currency trading.

Trend-following strategy

The trend-following strategy involves buying currencies when prices are rising and selling currencies when prices are falling. By making sure only to buy low and sell high, this method rules out any need for sophisticated analysis of economic conditions or currency fundamentals. This also means that these trades do not need to be timed precisely – since it doesn’t matter when in the price cycle one buys or sells, you can use this strategy at any point during a market swing. The main drawback of the trend-following method is that it requires traders to stay glued to their charts all day, waiting for profitable movements. This is not always easy, considering today’s markets include intraday charts with five-minute time intervals.

Support and resistance levels

Identifying support and resistance levels and then trading against these areas is another popular type of forex trading strategy. These levels are created when large numbers of traders buy or sell at certain prices. It works by identifying these significant points on a chart and placing trades in opposition to them. Support levels are identified by buying when currencies reach low prices – the idea being that other traders will have bought before this price, so there is less of a chance that prices will continue to fall. When currencies reach high prices, resistance levels are identified by buying – traders expect to see selling at these rates because other traders have already bought at lower ones. Trend-following can also be useful for determining trends within specific timeframes, but the same issue with having to stay glued to charts still applies.

Longer term strategies

Some strategies trade on longer periods instead of intraday or daily charts. The monthly chart, which looks at economic data over each quarter, provides information about larger trends in forex markets. For example, trends in supply and demand may not be apparent on shorter-term charts but may become clear when viewed over longer periods. Trading on the monthly chart allows for more flexibility in trading style since you can use it with trend-following or any other strategy.

The main drawback of longer-term strategies is that changes are slower to appear. For example, if traders see a currency hitting new highs on a monthly chart, they may not be able to identify turning points until these prices have already begun falling on lower time frames. This means that buying low and selling high will only occur after price trends have already reversed.

Longer-term strategies also sometimes involve doing technical analysis using different tools than those used on shorter timeframes. While many traders may find this difficult at first, it can help them determine specific areas where support or resistance levels are likely to hold.

Three factors to consider

First, it is important to determine if the chosen strategy will fit into everyday life. If it does not provide enough flexibility or time away from charts, then traders may become frustrated with an inability to perform well.

Second, some strategies are better suited for different levels of trading experience than others. For example, newer traders might do better with shorter-term options because they provide less room for analysis paralysis.

Thirdly, each style has its unique benefits and drawbacks, so choosing one that suits personal goals is essential. Trend-followers might only be able to win when the market is trending in their direction, but this means they are also in the market during choppy price movements. You should not make choices based on what others are saying or doing since it will not work for everyone.

In conclusion

Trading forex can bring huge profits if it is approached with a strategy in mind. By understanding different options and how they work, traders are more likely to find one that fits their needs and delivers success. For more information on different options, try online currency trading.

 

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.