Thursday, June 7, 2018

4 Ways Parents Can Help their Kids through College Financially

Sending your kids through college isn’t cheap. Over 44 million Americans currently hold nearly $1.5 trillion in student debt, which means that roughly one in four adults in the United States are currently paying off student loans. That worked out at an average debt of $37,172 per student. Ouch.

As costs continue to rise, it is leading many parents to wonder how they can help their kids through college financially. There are several strategies for this depending on how involved you want to get, ranging from creating a college saving plan when they are still in diapers to using your own retirement funds to help ease the burden.

Here are four ways parents can help their kids through college financially.

Create a college saving plan
One of the easiest ways to help your kids pay for college is by setting up a saving plan early in their lives. You can do this through a 529 college saving plan, available in all 50 mainland states and the District of Columbia, or by simply putting away a certain amount of money per month into a separate account or trust fund. Even by putting as little away as $50 a month from when your kid turns two, you’ll have saved $9600 to help towards their college costs by the time they turn 18.

Apply for PLUS or private loans
Around 3.4 million Americans currently have Parent PLUS Loans which they use to help pay for college. These allow borrowers to loan an amount that is as high as the cost of tuition and are treated like basic federal loans, although they do have a higher interestrate of 7 percent. If you have a good credit rating, you can also apply for a private student loan from a private lender or bank which may have a lower interest rate.

Look at relevant grants and scholarships
Plenty of charities and foundations appreciate the financial burden of going to college and the way it can prove to be a barrier to those from less well-off families from entering further education. That’s why they offer bursaries and scholarships to ensure that gifted students from poorer backgrounds don’t miss out on college due to financial reasons. Look at the various scholarships and grants that could help your kids through college and encourage them to apply, such as the Shawn Carter Foundation which helps individuals facing socio-economic hardships further their education at post-secondary institutions.

Tap into your retirement plans
The average “gift” from a parent to their student when it comes to financing college studies is $10,147. A fair chunk of this comes from peoples tapping into their retirement plans in order to help their kids. For people under the age of 59, early withdrawal penalties don’t occur if you are using the money to help pay for college education although it is important to consider that you might then owe tax depending on whether it’s a traditional or Roth IRA and how much money you withdraw.

Wednesday, June 6, 2018

How to Paint your Nails at Home like a Pro

Before  sharing the tips on how to  paint your nails at home like a pro, let me share this cake from my birthday last year.  I'll be 45 in few days, time flies when you are having  fun!  Thanks for my husband for making my life  awesome  despite of being so far away from my family.

When it comes to having your nails done, some people just won’t even entertain the idea of doing them themselves. However, with the proper savoir-faire and equipment, anyone can get professional results from home. Here are some few tips on   how to paint your nails at home like a pro.

Use Fresh Polish

If you want to know how to do your nails like a pro, know that the process starts by using fresh nail polish. You can tell nail polish is fresh because it is thin and easy to spread. If the nail polish is gloopy, that will carry over to the polish on the nail, as well. You could try to add nail polish thinner to the nail polish, but that could create other problems. Don’t use a polish that is streaky, either. If the polish is thick and heavy, the surest bet is to throw it out.

Start with a Base Coat

While applying a base coat takes some extra time, it will give the colored polish something to stick to and helps it last longer. This layer will protect the nails underneath from staining, as well. If you’re going to apply neon nail polish, apply white or opaque polish that matches your skin tone to make the neon color pop. This also makes the sheer neon polish look thicker.

Don’t Lay It on Fast or Thick

You only need three strokes to paint your nails. Each layer of nail polish needs to be thin and spread out. This prevents both caking and smudging. Another thing to do is to take your time. Wait for the first coat to dry before you apply the second one. By waiting for the first coat to dry, the second one will dry faster and thus won’t smudge. If you apply one or two very thick layers, they’ll never dry.

Have Quick Dry Coat on the Ready

Quick dry coats are essentially an extra coat of polish you put over the manicure job. This top coat protects the polish and refreshes its shine. The “quick dry” type of polish is recommended since it will dry in a few minutes, letting you get back to work in a matter of minutes without the risk of smudging. However, you don’t want to use quick dry nail polish when you’re doing the initial manicure since this can dry out your nails.

Use Cuticle Oil

Cuticle oil hydrates your cuticles. One trick the pros recommend is to apply cuticle oil over the nails after they’ve dried. Then, if they hit something, they’re less likely to nick. Don’t cut your cuticles. The only exception is if you have a hangnail, though the odds of this happening are reduced if you’re using moisturizer.

Click off the Excess

After you’ve worn nail polish for a few days, clip off the excess. That excess is the thin white line that forms at the edge of the nail. By removing this, you eliminate the part of the nail most likely to chip or already have chipped. Top the nail off with a new fresh top coat to keep the manicure looking new. If you need to file the nails, stroke the file in one direction so you don’t tear off the tip of the nail.


You can do your nails at home and have them come out looking as good as if they were done by the pros. Just make sure you follow these simple tips and you should be able to achieve a professional look for a fraction of the price.

Tuesday, June 5, 2018

Chipotle Experience at Hershey, PA

It's been three years since we visited Hershey, PA.  It was a fun time  especially for our children.  Our daughter's birthday is  on summer break so we always go on a road trip to places we have never been to instead of having a party.  I think it's a great way to celebrate.  
 Anyway, while we were there, we  tried  eating at Chipotle  one night because we have never been to one.  We don't have a Chipotle in our small city so it was a  great opportunity to try them.  My husband's  co-workers always rave about how good their food  selections are.
 The  employee looked at us kind of weird because we really didn't know what to order.  She then asked us if  that was our first time and we said yes and she giggled.
 I dunno if I am very picky with food but  their food did not impress me at all.  Event the kids  did not  like the food they ordered.  
 The ambiance was nice but the food experience itself isn't.  I'll give it a 2 out of 5 if I have to  rate them.  It's disappointing when you first try a place and  it doesn't meet your expectations.  I always shy away from trying eating at places that disappoints me at the first try even if it is on a different branch.   
 For Chipotle fans, you might dislike me of what I have said about them but I am just  stating my own experience and opinion.  Everybody has its own preferences and Chipotle is definitely not a place I will  eat again.

Wednesday, May 30, 2018

Career Opportunities For Psychologists

The stressful relationships, depressing routines and stringent work conditions have made the living standards miserable in the present-day world that brings forth the need of psychologists in any country. Psychologists play a pivotal role in helping people overcome mental illnesses and problems related to mental health. The work that psychologists offer is too important in a country like South Africa where one third of the population suffers from mental illnesses, as reported by The South African Depression and Anxiety Group. The figure represents the sick state of mental health in South Africa and the utmost importance of psychologists in South Africa.

What do Psychologists do?
Psychologists are non-medical doctors whose main purposes include accurately describing, explaining, predicting, and changing human behavior and mental processes to lift them up from the state of depression and mental illness. The field psychology is vast and the types of jobs depend upon the specialty chosen, theoretical orientation and the population. Clinical psychologists help people overcome problems that keep them away from leading happy, satisfied and prosperous lives. They offer various services like counselling, psychotherapy, personality tests and teaching in colleges and universities. To profess psychology, a bachelor’s degree is what psychologists start with.

Perks and Benefits of being a Psychologist
Clinical or counselling psychology is chosen depending on the interests of the individual. A master’s degree and/or a doctorate degree is further pursued for growth as an individual in the field. A psychologist for practicing psychology as directed by the states to anchor safety of its citizens needs a license. There are numerous opportunities available for the psychologists like – clinical psychology, psychoanalysts, marriage and family counsellors, industrial-organizational psychology, forensic psychology, licensed counselling, school psychology, child psychology, criminal psychology etc.

Psychologists in South Africa
To become a psychologist, substantial commitment of time is needed which can be rewarding and challenging career. The goals, the resources, and potential alternatives must be considered before opting psychology as a career. Different specialties in the field of psychology require different training and educational requirements. You can continue doing research in the field of psychology as well. Psychologists work in different working environments- workplaces ranging from a government hospital to rehabilitation centers to social service organizations.

Two-thirds of psychologists are self-employed and maintain a private practice. Psychologist hourly rate South Africa amounts to a huge sum. For the kind of work, they do they have an approximate salary of 250,139 rupees monthly or nearly 1000 rupees hourly in South Africa.

Psychology: A promising career
If your aim is to pursue psychology as your stream, you need to start the quest for a good research school, find the best for you, and apply for financial aid to make your education more affordable. Then learn about psychological behavior, people’s attitudes and make a better understanding of the subject with a public exposure. This can be a very promising career and the kind of jobs will be too satisfying. The society needs a lot of valuable of psychologists who can help people live prosperous and productive lives and you can be one such psychologist.

Wednesday, May 23, 2018

4 Tips To Help You Cope With Coding and Medical Billing Training

While reading and browsing about these tips  to help cope with coding and medical billing training, I am thinking about  cheesecakes!  But since I am making the right choices on what to eat, I chose to nibble on some of  my trail mix.  If you are into coding and medical  billing training, continue to read down below.
One of the most promising professions currently is in the coding and medical billing category, which are related to the healthcare industry. If you have shown interest in taking a course in this field, then you have to prepare yourself to execute a balanced life at its respective school as well as your regular job. Remember that preparation for this field requires exceptional work ethic. The increasing scope of the medical billing skills is also because of the use of technology to generate patient records in healthcare centers. Thus, if you have chosen this training program, you will have to keep certain things in mind to manage your job and training simultaneously.

·         Be serious about your profession while training
You may be thinking of choosing this training while working simultaneously as a way of supporting your expenses. Therefore, you should never consider it a part-time profession as it is a relevant field involving exceptional accounting skills. Moreover, if you are going to take your profession seriously, you will excel in it. Your extra hard work to aid others and complete your assigned billing tasks will increase your reputation among other professionals at the center.

·         Develop your professional image
Your coding and medical billing program will also give you opportunities to interact with other professionals linked to fitness, wellness, and healthcare industries. These communication activities will help increase your professional reputation. Hence, you should strengthen your networking with them so that you can improve your chances in the future to brighten your career. Learn more about Medical Billing And Coding Schools to understand how you can enroll into one.

·         Creating a private and productive space for study at the school
Remember that such institutes are not like high schools. Therefore, you will have to alter your studying regimen. Coding and medical billing programs may require you to memorize and fathom various methods and codes. Hence, you will need to create a place to study privately. Select an area that is quiet so you can concentrate without interruption. Also, have good ambiance in the surrounding area for an improved experience. If you have to let your family and friends know for not disturbing you, then do it.

·         Create a systematic schedule
Creating a balance between your job, life, and training may require you to balance strategically. Your primary step needs to be managing the time skillfully so that you have time for all three activities to full extent. This also lets you decrease depression and anxiety due to the burden of work. Create space for your leisure activities so that you can reward yourself after a hectic working and training day. Furthermore, spare ample time for eating, sleeping to recharge your body for the next day.

Remember that education programs for adults are not the same as for high school students. Besides the studying part, you may have to work to meet your daily expenses. Using the above techniques will help you manage the schedule appropriately and give you the confidence you need. Reread the tips to follow them in your daily life.

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A work-at-home-mom (WAHM) with  two  lovely kids and a loving husband.  Passionate in writing about  family, product reviews, and  other related articles.  A Mom, a Wife,  a Blogger/Writer, rolled into one.