Tuesday, 19 September 2017

4 Types of common lawsuits employers risk facing

As an employer, the threat of debilitating legislation must be at the top of your priority list. Legal problems can take you off guard and hurt your business. There have been legal cases that have made business doors close, so this is not something to set on the back burner.
1. Workers Are Not Happy
If you have employees who are not happy, their jobs will not be completed proficiently. If you intend to fire one of the workers you must have an expert draft a document that make the terms of dismissal very clear. If you do not have a draft drawn up by an expert is law, it could cost you a lot of money. The employee could come back and sue you for wrongful termination.
2. Customers are Not Happy
Those customers who are not happy with your products or services can file a suit against you. If it is a class action lawsuit, it can do more damage than just a few unhappy customers. This is just one of the reasons to have a team on your side that is well versed in the legal aspects of owning a business.
3. Harassment or Discrimination
Whether it is sexual, age related, or ethnicity related, the ramifications can cause more than a few headaches for your company. Make sure that your Employment Law and HR Services are equipped to handle a situation should it arise.
When hiring people, make sure to keep records and resumes so that you will have proof that you do not discriminate against anyone. You want to hire those who are qualified for the position with no regard to age, ethnicity, or gender.
Holding regular meetings and keeping the communication open with employees to make sure that discrimination or harassment is not happening. Whether it be an office clique or an individual causing issues, it will not be tolerated in the work environment.
Harassment; racial, sexual or otherwise can be a very serious problem in a workplace that is integrated. People from different ethnic backgrounds and religions should not be harassed. Holding regular meetings will keep the doors to communication open and allow the offender to be terminated.
4. Patent and Copyright Issues
Tech companies on the cutting edge can be faced with patent litigation issues. There are companies out there that will hold patents for months and years, just waiting for another company to violate them. What does this do? The patent holders are just waiting because it is easy money to be made.
Although these are the four most common lawsuits, there are many more. This is why it is so important to have competent legal team such as  www.elliswhittam.com  on your side. Employment Law and HR Services for employers is what is needed to protect you and your company.
For instance, Ellis Whittam is a leader in the field of employment law and HR Services. This is the company that will not just make recommendations, but get in with hands-on. With the Fixed Fee Employment Law and HR Support, you have support 24/7 should a problem arise. 

Funding The Future Of Your Fledglings

burn, dark, fire

Most parents want to be able to provide for all of the little expenses which come with their children’s lives. From their first few years to their start into adulthood, it’s important that they have support in loads of different areas. Of course, for a lot of people, the hardest part of this will be money, and a lot of parents will struggle to meet all of their kid’s needs. To help you out with this, this post will be going through some of the areas you should be considering when you’re figuring out the financial future of your kids.

During school, it’s unlikely that your child will need much money. As they grow, you will provide for most of their needs, and they won’t have to worry about finance. Of course, this will soon change, though, and the next thing you know, the kids will be studying to get to university or college. At this point in their life, this is the first time they will need true financial support. Moving from home and living by themselves will be hard, and they will need to have some help to afford the little things which their loans, grants, and savings won’t cover.

Once they’ve finished with school, your children will be likely to go straight into a job. In most cases, their first job will be low-paid, and they probably won’t enjoy it very much. Over time, not making enough will make their drive fall away, making it a challenge to keep working hard. To avoid this issue, helping your child to afford this time in their life is a great way to help. A little bit extra here and there for nights out and time with friends is usually enough to make a bad job a lot better.

Of course, though, there will be times in your child’s life which even you can’t afford. For example, they will probably want to own a house at some point in their life, but putting together a deposit for this sort of purchase can be very hard. Having savings which you’ve worked on for a few years leading up to this can be a great benefit to your child. If put in the right account, like bonds or a savings account, this money will grow on its own. It’s best to start an effort like this as your child is born, as this will give you loads of time to save.

A lot of people don’t like the idea of their kids being left with money trouble after they pass, instead wanting to continue to provide for them even after this point. Of course, though, this can be almost impossible without the right tools behind you. Life insurance from sites like lifeinsurancequote.co can handle this sort of work for you, providing your loved ones with the support you want to give them when you pass. But, it’s important to make sure you start as soon as you can. Otherwise, it will only cost you more.

Hopefully, this post will give you a good idea of what can be done to make sure your children have the best possible financial future. It can be very hard to focus your energy into work like this, especially when the results will only be seen after several years. But, when you do see them, you will definitely feel that the work was worth it.

Driving Hacks For Taking A More Frugal Approach

Driving is a big part of many people’s lives. Without a car, it can be a total nightmare to get around, especially when you are a parent. However, just because a car is a vital tool for getting yourself and your kids from A to B, that doesn’t mean that it’s affordable, does it? It’s a catch 22; you need a car to get by, but you can’t afford to run it.

Should you sell your car on and reside yourself to walking or taking public transport, or should you try and find little ways to make driving more affordable? The fact is that there are plenty of ways you can take a more frugal approach to driving, it’s just a case of getting a little creative, that’s all.

driving woman.jpg!d

Bearing that in mind, below are a few handy driving hacks to take note of that will help to reduce the cost of driving and make having a car more affordable.

Invest in an efficient car

Is your car old and outdated? If you are living life on a budget, then it most probably is, and while you may think having an old car will save you money on monthly installment payments, in the long-run, it will end up costing you more money. Old cars burn more fuel and are less efficient to drive, plus they are more likely to breakdown more regularly and can be pricey to fix. Why not invest in a new (or nearly new) vehicle that is efficient and reliable? Perhaps you could get a new vehicle on finance or how about taking out a bank loan - you can learn more about these from the Banking.Loans website - to make covering the cost of the vehicle more affordable. Buying a new or nearly new car will save you money in the long run, so it is definitely something that is worth considering.

Learn to drive in a frugal way

Did you know that how you drive impacts how much your vehicle costs to run? The fact is that you can drive in a frugal way, reducing how much fuel is burnt and thus making driving more affordable. Plus, changing how you drive can also reduce the amount of wear and tear your vehicle gets, which can help to keep it going for longer. One hack for doing this is using higher gears at lower speeds, such as driving in fourth gear at 30 miles per hour - this will instantly reduce the amount of fuel that you are using. Using gears more efficiently could help you save up to 15% a year on your annual fuel bill. Being mindful of the weight within the vehicle is also another factor to take into account - the more stuff that your car is stocked with, the heavier it will be, and the more fuel it will use.

Take maintenance seriously

Want to ensure that your car doesn’t end up costing you too much? Then it is vital that you take vehicle maintenance seriously. The fact is that when a car isn’t properly taken care of, it can have a negative impact on its ‘health'. Want to ensure that your car lasts for years? Then make sure to book it in for annual services and always get any problems dealt with as soon as possible. As that way, less damage will be done, and the price of repairing it will be lower.

There you have it, a guide to driving hacks for taking a more frugal approach and making running a car much more affordable.

Things You Can Do When A Budget Doesn't Last

Budgets keep us in a necessary line in life, and allow us to have tricks and treats when we really need them. It’s incredibly nice to live comfortable on a budget, and with some practice a lot of us do. However, it doesn’t always work out and you can feel like you’re adrift in a sea of cash deficit. You can do all the practical things you like through further scrimping and saving, but sometimes you have to go the extra mile. So this list is to remind you of the options open to you when ends don’t quite meet for the month.


Surf the web for solutions

First step! The internet can be accessed pretty much everywhere, even if you lack the means on your person or in your home. Try out the next free wifi spot you find and look for advice and solutions to cash flow problems. For example, comparison websites can save you the hassle of searching for a loan you could realistically payback when the time comes. If you need a little extra for the month, use the web to your advantage with sites such as cashloans.co to find the best deals on loans that last for as long as you need until the next payday, and has the appropriate amount of interest on it as well.

Ask those closest to you for some aid

A lot of people don’t like the idea of ‘taking handouts.’ Yet having trust between friends and family means this is a viable availability if you’re in trouble. There’s no shame in needing a little help, especially when you have a family. If you have anyone you can ask to tide you over, then ask! The worst someone can do is say no, and you won’t know until you have asked them.

We would want our loved ones to come to us when we’re struggling, so pay your loved ones the same favour. You can always go the extra mile at their next birthday or for Christmas.

Adjust your expectations for next time

Sometimes a budget didn’t work because we were unrealistic about what we could achieve, or we allowed too much leeway in certain areas. Remember this for next time and adjust your planning accordingly.

Keep your budget in written form for easy reading and to have something that’s easily changeable. Track carefully where your mistakes were made and lessen the stress of going over a budget. If we know where the problem is, we know how to fix it. If you don’t have a budget, or struggle to get one put together, you can start with a spending plan. Templates for these can be found online once again.

There’s plenty of help to find when you’ve overspent or can’t meet your rent and bills for the month. Both preparations and solutions are necessary to abide by when something like this happens for an immediate fix, and can help you prepare for the future at the same time. 

Fun, Frugal or Free: Financial Tips For a Stay-at-Home Parent

If you are a stay at home parent, then there are likely to be some financial strains. Living off only one income, especially if you were both working prior to having children, can feel like quite a challenge. As families grow, demands can become even greater. But the cost of childcare, plus the fact that you may have always wanted to be home to take care of your children, can’t justify working outside of the home. But the good news is that there are things that you can do. From being more frugal to earning a little extra cash at home, it can all help. So if things are strained for you at the moment, read on. Hopefully, this can help you to get your family finances back on track.


Live Within Your Means

As the parent that is at home, you are likely to be the one spending the money on everyday things like groceries and things for the children. However, it can get out of control if you let it. So live within your means and avoid spending what you don’t have. Set a budget and don’t pay for things on credit cards unless you can pay it off in full. If you do have some credit card debt outstanding, though, then look to clear it as soon as possible. A site like consolidated.credit could be a good place to start if you’re not sure what the best way to clear it is. But setting yourself a budget and staying on top of your finances is a really good idea when only one of you is working.

Sell Advertising Space

If you don’t mind some stickers on your car or some promotional signs in your yard, then selling your space, like your car or yard, can be a really easy way to make money. You hardly have to do anything, and they will pay you. Check out a site like carvertise.com if you’re interested in learning more. Obviously, there may not be some things that you want to advertise in your home or on your car. So choose the campaigns wisely, and you’ve got some easy pocket money.

Network Marketing

The rise of the ‘mom boss’ is getting bigger and bigger. Why work for someone else when you can work for yourself? So it makes sense that we are seeing plenty of network marketing companies cropping up from time to time. They can be a perfect job for a stay at home parent, especially if you use social media and can promote and advertise through it that way. There are startup fees for this kind of thing, though. So you do have to be motivated to want to make that money back and make it work for you.

Use Previous Skills

If you had a career before you started a family, then why not use some of those skills now that you’re at home? If you worked for a bank before, then use them to budget wisely. If you had a career in marketing or social media, then could you do that freelance from home? Could you bake and sell your goods or even do things like freelance copywriting? Don’t let your well-honed skills go to waste.

Three Ways To Introduce Profligate Friends To The Frugal Way


When you have discovered the benefits of frugality, it can feel like you’ve cracked the code to life. Your money is going further, you’re less wasteful, and you’re reaping the benefits of such close attention paid to your finances.

When we discover something good, most of us have a tendency to want to shout it from the rooftops and share our good fortune with our friends. However, those friends -- who have yet to embrace the benefits of frugality -- might be resistant to the idea. If you genuinely think that they could benefit from being more frugal, then it’s up to you to convince them to give it a try. If you’re dealing with someone who is particularly stubborn, then you might have a fight on your hands -- but it’s one you can win if you’re persistent.

To bring your friends into the frugal fold, try these three strategies that can help you persuade them to take a further look at their financial habits.

#1 - Get Them To Check Their Credit Score

Most people know they have a credit score, but don’t pay particular attention to it. If you guide your resistant friend towards checking their score, they might be in for an unpleasant surprise. This gives you a chance to show them how they have taken their eye off the ball, and how you can help them get back on track. If they do have a particularly bad score, you can showcase your know-how and direct them to the likes of creditrepair.co so they can begin to put it right.

#2 - Show Them How Much Extra They're Paying For Services

As forbes.com points out, a huge number of people are overpaying for essential services -- and your friend might be one of those people. If they are willing, go through their monthly outgoings and see what they’re paying for services like broadband and their heating costs. If they haven’t been particularly financially prudent, then you can show them how to compare prices and switch to get a better deal.

Not only does this highlight to them how their lack of frugality has been costing them money, but it also shows that there is always a way out of any financial tangle.

#3 - Challenge Them To One Month Of Frugality

If your friend is competitive, then they might quite like the idea of being challenged to be as frugal as possible for a month. Once they get in the swing of things, they might realize they quite like what they’re doing, which will encourage them to be frugal in the future.

Obviously, provide them with plenty of tips to help them get through the month in good shape. It also helps if you can provide a reward for getting through the month unscathed, such as offering to treat them to a meal out.

There is no guarantee that the above will work; some people like how they are and don’t see the need to change. The most you can do is try; even if it doesn’t work, you can enjoy the knowledge that you’ve done a good deed in making the effort. 

5 Tips to building a great outdoor learning environment

We all know that the environment where our children are exposed plays a significant role in their holistic development. In order for our children to grow up as happy and secure kids, we need to make sure that they are surrounded by a positive learning environment. Not only do we need to focus on the environment inside our houses, but we also need to focus on the environment outside. That is why, most child experts today advise on creating and developing a great outdoor learning environment for kids. This will not only help their individual growth but also greatly help in developing their social and communication skills. If you are planning on building an educational outdoor environment for your kids, then these 5 tips below will surely be of great help;

1. Safety

The thing that you should prioritize first when building a learning environment for kids is the place’s safety. The area where you will be setting up the play area should be well-secured by a sturdy fence or a wall that is high enough to ward off stray dogs or suspicious persons that might try to harm your kids. Furthermore, if you are planning on including natural elements on the play area, then removing big rocks and sharp branches is definitely a must. Kids at their young age are very curious about everything, thus, they will try to touch everything they deem mysterious.

2. Flexibility

The next thing that you should think about when setting up the great outdoor play area is its flexibility. Children sometimes want to play by themselves, and sometimes they want to play with others also. Thus, it will be good to include areas where children can play by themselves, or by pairs or groups. Giving them a flexible play area will contribute to the development of their inter-personal and interpersonal skills.

3.  Accessibility

Another useful tip is to make sure that the play area is accessible enough for any kid’s size. We don’t want to limit the space by filling them up with many toys and set-ups because kids love to run around – banging and crashing on things. Thus, it will be better to make the play area spacious enough for the kids to run around. If you make to too tight, then chances are, all of the toys and your set-ups will not last long as they will be run over and crashed by the kids.

4. Interactive

For the toys and educational set-ups that you plan to include in the play area, most experts recommend interactive toys such as talking dolls and toys, educational shows and other toys that has a reaction mechanism. Interactive toys have been proven to develop the intelligence and problem-solving of children especially when they are alone with the toy. It is also good to include toys that require groups of children in order for it work, this will develop their camaraderie and social skills.

5. Materials

Finally, to building a great learning outdoor environment you must consider the materials that will be used in the play area. Natural wood is recommended as it contains less toxins that won’t harm children’s health. Toys should also have those labels that prove that they are safe enough for kids. Never forget that safety and health comes first before fun and play.

For additional reference on building a great interactive outdoor learning environment, you can visit this site, https://pdplay.com/outdoor-learning-environments/.

Thursday, 14 September 2017

5 Tips to dating your partner now that you are parents

Being a parent is wonderful, glorious thing. But there’s no denying that the lives of new parents drastically change once the baby is born. Aside from the sleepless nights, there’s also the fact that date night will have to be sacrificed for the time being.

But it should not take too long before you can go out on a date with your partner. Just because your baby has become your priority right now does not mean that you cannot work on your relationship with your partner. Dates are important, so if you are thinking of what you can do, check out some of the tips below.

1. Leave your baby with someone you fully trust – one of the biggest, if not the biggest reason why new parents cannot go on dates is that they cannot find a person to look after their baby. It cannot just be a regular babysitter, it has to be someone who can take care of a newborn, and someone they’re comfortable enough with.  You can try going to family and friends if you really want to go on a date. Maybe you can leave your baby with his or her grandparents or your siblings so you can be assured that your baby will be safe.

2. Choose a venue that’s near your house – if you’re not very comfortable with leaving your baby for more than a couple of hours, why don’t you try researching for date spots that are near your house. That way, you can feel at ease knowing that should any emergency arise, you are not too far to reach your baby.

3. Make it simple – a date does not have to be fancy. IN fact, you don’t even have to leave the house! Once your baby is settled for the night, take your partner with you and have a movie night, just the two of you. You can have wine and some take out. Having a date just means that you are working on showing each other how much you care for each other despite the big changes that have happened in your life after the baby came.

4. Make yourself presentable – it’s hard to dress up when you are taking care of a baby. Wearing a new shirt or blouse is impossible, as it might become a victim of projectile vomit or other fluids. So on your date night, to make it special, wear that dress you’ve been dying to wear. Put on some makeup. It’s the perfect time to dress up. It’s a way to assert yourself that you are not just a parent, but a person who still deserves to look and feel beautiful.

5. Focus on your partner while on the date – here’s what you need to do while on a date. Do not talk about the baby. Focus on each other and encourage each other. It’s not a crime to not think of your baby all the time. You also have other aspects of your lives, you are not just parents. So for a couple of hours, just give yourself time to relax and enjoy the company of your partner.

Check out some more things you can do on date night at parentsneed.com. They have other information that may seem useful for other situations as well.  

Wednesday, 13 September 2017

Remodeling Hacks To Design Your Dream Home On A Budget

When you first moved into your home, you started filling each room with your personal touches. With every chair, painting, and lamp, your home slowly became yours. Now that you are settled, you might be ready to transform even more of your home into something of your own design. And for many homeowners, this means remodeling.

If the idea of dishing out the cash to make renovations has you sweating, look no further. There are steps you can take to achieve the home of your dreams without spending too much of your savings. Consider using the following hacks to design your dream home while still pinching pennies.

  • DIY with recycled materials.
    If you are choosing to build your own shelves or take on other creative projects, remember that you don't have to buy all of your materials new. It's easy and eco-friendly to get creative with recycled materials. Head to your local recycling center to see if they have extra wood available.

  • Work with a designer to maximize space.
    The key to remodeling on a budget is adding the lowest number of features for the best possible use of space. This means that rather than adding 10 cabinets with one shelf inside, you add five cabinets with two. Smart design will save you space and money.

  • Pick up your own appliances.
    When ordering new appliances, delivery fees can easily add up. By picking them up yourself, you can simply pay the price of the appliance. If there is no way that a refrigerator is going to fit inside your vehicle, consider borrowing one from a friend or renting one. This will likely still be more affordable than delivery fees.

  • Consider refurbishing rather than replacing.
    Get creative when looking at the space. Do you really need to replace your kitchen table or will a fresh coat of staining do the trick? If you can give your home features a makeover rather than replacing them, you will save yourself quite a bit of time and money.

  • Know when to invest.
    Remember that while you are trying to save money on your home remodeling projects, there are some renovations that are certainly worth investing in. For example, bathroom additions offer a return on investment of 82.7% on average. This could be the exact boost you need if you ever try to sell your home.

Remember that cutting costs during your renovation could be more about saving on the small things rather than big-scale projects.

"Another universal truth about renovations is that every little thing adds up," James Glove writes in This Old House. "So save a little here, save a little there, and pretty soon you're talking about real money."

By thinking through every step of your remodel, you can create the home of your dreams without breaking the bank. This leaves room to enjoy your savings down the line.

Tuesday, 12 September 2017

4 Ways that building an outdoor learning environment can help children with their social skills.

Many schools that offer state-of-the-art facilities and equipment have been also moving towards building outdoor learning environments on their property. By doing so, teachers have the ability to continue to teach children in their class while giving them a break from the classroom. There are many great benefits to building an outdoor learning environment such as reinforcing what was learned in the classroom. Not to mention, this way of learning has a positive impact on a child’s physical and emotional wellness as well as their social skills.

  1. Bonding through learning. There are several kinds of outdoor learning options which include water, sand, and trees. Assessing the needs of the students who will be using the facility is a good way to determine the type of learning environment to install at your school. For example, if your student body is having a hard time grasping concepts related to science, perhaps a good idea would be to build an environment that would be conducive to the lessons you want the students to understand fully. For more ideas and to pick the best environment for your needs, visit https://pdplay.com/outdoor-learning-environments/. The most popular is the water trough! Not only will your child be able to learn more about science but they will also be able to engage with their peers relating to the topic as well. If your school were to purchase a water trough for example, the children would be able to bond and socialize while playing and experimenting with the water.

  1. Playing outdoors independant or alone challenges a child’s social development. Playing outside is a great way for kids to explore and enjoy the outdoors, away from distractions and noise that typically takes place inside the classroom. Children can play outdoors alone or with a group of children. While outside, they have the opportunity and the space to work out potential qualms that they have with one another independently from the teacher who, although is outside, may allow them to work out differences outside in ways that would not be conducive to the classroom.

  1. Learn how to work in groups.  The opportunity to play gives children a chance to learn how to interact with one another in a group setting. In the group they will experience the need to negotiate and resolve conflicts when it comes to sharing. Allowing a child to explore independently while playing will result in them learning new skills while navigating challenges. This type of play can lead to self-confidence and resiliency which is great for any child.

Learn how to share. An outdoor environment allows children to play in a wide open space, sometimes with playground equipment such as a swingset or a slide. Other types of environments allow children to connect with nature. Regardless of which type of environment you choose to build, the children who benefit from it will be able to share experiences with one another, resolve conflicts, and become more confident in themselves. 

Sunday, 10 September 2017

5 Tips to predicting the gender of your baby

Being pregnant is a wonderful thing. It does not only bring joy and happiness to the would-parents but even to their close family and friends. A baby is always a welcome addition to a family and is sure to bring joy to everyone.

One of the best and worst things to experience is trying to guess the gender of the baby. Sometimes the wait is torturous for parents who would want to know right away if their baby is a boy or a girl. Part of this is because they would want to get the baby’s things ready, especially the nursery.

In the first trimester, it is possible that gender prediction is still early. Many experts would say that the best time to get the baby’s gender is at 20 weeks when the mother comes in for the congenital anomaly scan.

But there have been some things that some mothers swear by that could somehow tell you the gender of your baby. Check some of those tips below and have fun seeing if your guess is true or not.

1. Find out the heart rate from the Doppler – there are stories that your baby’s heart rate can indicate if she is a boy or a girl. For boys, the heart rate would be below 140 beats per minute, while girls would have higher than 140 beats per minute. Make sure to ask your doctor to bring out the Doppler on your next appointment. Even if it does not accurately tell the gender, just hearing your baby’s heartbeat would surely be something you can enjoy.

2. Look at the size and shape of your bump – many mothers say this is true, although again there is no indication of its accuracy. But it could be a fun thing to check until you’re sure with your baby’s gender. Check out your bump in the mirror and see its shape. They say that if it sticks out like a football, then you will be having a baby boy. But if it’s more spread out all over your abdominal area, then you’re likely to have a girl.

3. Determine how much weight you’ve gained – this gender prediction theory states that if your extra weight goes to your belly, then the probability that you are carrying a boy is high. But if your weight gain is centered on your hips and butt, your baby is more likely a girl.

4. Discover your baby’s gender through your cravings – not a lot of women experience craving certain types of food during their pregnancy if you’re one of them you can try to see what you crave for. They say that those who crave for salty and sour food might be carrying a boy, while sweet foods will have a girl

5. Use the Chinese gender chart – many swear by this method, despite the lack of scientific evidence. For this, you would need  the age of the pregnant mother during the time the baby was conceived and also the month of conception.

Whether or not these tips will be able to accurately predict your baby’s gender, the important thing is that you prepare yourself to be parents.

Saturday, 9 September 2017

Free Fall Decor

I love to decorate for all the different seasons. It really helps me to get in the mood and enjoy it. But decorating can be expensive. And when your living on a very small budget (and still learning how to use it wisely) it can be very difficult and sometimes very sad. So here is what you need to do, put a smile on your face and realize how crafty you can be when you put your mind to it! 

The painting on the wall is from my melted crayon art I did a few weeks ago, in fall colors. I simply painted on a nice little leafless tree and voila a nice piece of art. But I noticed it still looked bare in that corner of my kitchen. I always like those big vases with really nice long decorative branches and sticks hanging out of them but they are 20.00 just for the branches. Like that's ever gonna happen! So I thought since its fall and I have a leafless tree portrait why not make a decorative branch display of my own? 

You will need:

  • white paper
  • paint in fall colors (red,yellow,orange)
  • bare sticks or branches
  • sponges
  • scissors
  • tape or glue

Use sponges to and paint your white paper in layers of fall colors. Let it dry, then cut leaf shapes out of your pretty paper and either glue them or tape them to your sticks/branches. Place them in a vase or container and that's it! I only made a small display but you can scale this to be as large as you like, heck build an entire tree if you want. 

I think it brightens up my kitchen and really brings the fall decor into my home and it cost me absolutely nothing!

Friday, 8 September 2017

Tips for Saving Money on New Windows

Replacing all the windows in your home at the same time can easily cost $10,000 or more. Window companies typically charge a labor cost for the amount of time it takes to install the windows and a parts cost based on the number and type of windows that you selected. Companies should come to your home, measure the size of your old windows, find out what you need and give you an estimate based on all those features. Once you have that estimate in hand, you can look for ways to save money on your new windows.

Don't Settle for One Quote

Many people make the mistake of thinking that they only need to get one quote or estimate and that all companies will offer the same prices or similar prices. You should always get at least three estimates, but you should never pick the company that offers the lowest price, especially if this price is significantly lower than what others charge. That company may tack on miscellaneous fees and other charges that increases your total cost. Make sure that all estimates include the cost of all parts and labor.

Choose Larger Windows

Some people assume that smaller windows are more affordable than larger windows. The truth is that larger windows often cost less to install and will cost less in the long term too. Smaller windows aren't as effective at preserving the temperature in your home and at blocking drafts because the frame is smaller and is more susceptible to damage. You should also look for one over one windows, which are windows with one pane of glass on the top and one pane of glass on the bottom. These windows often cost less than those made from multiple panes of glass in each section.

Ask About Returns

If you really want to save money on new windows, ask window replacement Dunkirk MD companies about any returns they might have in stock. Returns come from those who bought new windows and never paid for installation and those who changed their minds before the company installed the windows. Some of the models may be brand new and still in the box or have some minor damage caused during the shipping process. You can save significantly on the total cost when buying returns. Use any or all of these tips to save on replacement windows for your home.

4 Things you should know about the no contact rule

Breaking up can be hard to do which is why many couples get back together and then break up again. If you are used to spending a substantial amount of time with a person, it can feel strange to all of a sudden not have them in your life anymore. If you are serious about breaking it off with your partner, you should behave accordingly. The no contact rule is a good way to truly separate from your partner. For purposes of this article, the no contact rule does not mean that you filed a complaint with the police stating that you do not want your ex to contact you. It is merely the idea of cutting off contact with your ex as to not confuse the situation. If you breakup but then still talk to the person all the time or engage in intimate relations, it can be confusing as to whether or not you truly broke up. This article will provide some advice as to how to use the idea of the no contact rule to help you move on after a breakup.

  1. Stay off of social media. One of the best ways to incorporate the no contact rule in to your life is to stay off of social media. If you are not posting regular updates about your life, your ex will have no idea what you are up to, which can be intriguing. It is highly likely that your ex will begin to wonder what you are doing with all of your free time and may cause them to reach out to you.
  2. Stay busy. Breaking up can be hard to do and it can also be painful. The best way to move on after a relationship ends is to stay busy. Instead of coming home after work and laying in bed wallowing in sorrow, consider going to the gym to work out or take your dog to the dog park. The busier you can be, the better off you will be and the faster you will heal.
  3. Hang with friends and have fun. It is possible that while you were dating your ex, you did not spend as much time with your friends as you used to. Now that your ex is no longer in the picture, you can spend as much time with your friends as you want. Reach out to them and suggest doing activities that you haven’t done in a while.
Don’t be accessible. It is likely that your ex will contact you after a breakup. The idea of not being accessible is that you take your time in responding, if you respond at all. That is up to you. If you receive a text message from your ex or a phone call, you have the option to reply or not. If you do choose to reply, give it some time before you do so. This will give the impression that you are busy and you are out living your life. Many find a challenge to be attractive and not being easily accessible can be considered just that. 

September Swago PLUS Spin & Win

The digital rewards site Swagbucks is holding a big "Swago" promotion starting Monday, September 11th at 9am PDT! Swago is just like bingo, but in this case you're filling out squares as you earn points on their site for doing things you already do online. If you're thinking of trying Swagbucks, this is a great chance to learn all about how the site works and earn bonus points while doing it. Here are a few tips: 

  • Each square on your Swago Board will contain an action item to complete. They can be anything from getting a search win, completing a survey, or just visiting one of our popular stores!
  • Once you complete the action item in a particular square the square will change color signifying the action item is complete.
  • You have until 12pm PT/3pm ET on Tuesday, September 19th to mark off as many squares as possible so use your time wisely.
  • Be mindful of the patterns and their corresponding bonuses located on the right of your Swago Board. The patterns will vary in difficulty and bonus value. Once you’ve achieved a pattern, the corresponding “Submit” button will light up. You can have multiple patterns available for submission, however, you can only submit ONE pattern so choose wisely.
  • Each activity you successfully complete on your Swago Board will give you anywhere from 1-20 spins on the Spin & Win Wheel. PLUS, when you submit your board for a bonus you'll get additional spins. The number of spins will depend on the pattern you complete. The wheel has all sorts of great prizes that you can win, and each spin is a winner!

The Spin & Win Wheel will be available all throughout Swago and expires at the same time. 

Fill up your board and then submit your pattern to get even more points - if you can fill in the whole board, you get a 300 SB bonus, which goes a long way towards your first gift card from the retailer of your choice.  

Click here right now and click "Join" to get started! If you don't already have a Swagbucks account, you'll be able to quickly sign up; PLUS, if 300 SB before the first of next month, you'll get a bonus 300 SB!

Thursday, 7 September 2017

Looking For Fun Things To Do In The Okanagan? Check Out Jump2It!

Looking for something fun to do in the Okanagan with your young ones? It seems we are always searching for new and exciting places to go and things to do that are affordable and fun for everyone. Jump2It is the perfect place to burn off some energy and support a local business. Take a look at the amazing space and what they have to offer:

NEW large 3 story climbing play structure is NOW OPEN!
Adults are allowed on the play structure, so be sure to explore our fun play elements within the structure with your kids before going on a fast slide-ride to make your way back to the ground level.
Jump2It Indoor Playground
Welcome to Kelowna’s fun indoor playground with gigantic, inflatable bouncers and a large 3 story climbing play structure. Jump2It is a family fun play centre for kids and toddlers to have fun and be active.
If you are looking for fun things to do with kids here in Kelowna, Jump2It is the place to be!
The main play area of our indoor playground features giant inflatable bouncers and bouncy castles and a large 3 story climbing play structure with many kids activities and we have created a separate toddler area where the little ones can have big fun too!

Our large inflatable bouncers, huge slides & challenging obstacles courses as well as our climbing play structure are designed for children 3 - 9 years (and we have a toddler inflatable that is designed for our younger guests). A child younger than 3 may be permitted on the large inflatables if they demonstrate the ability to navigate them safely and independently. For safety reasons, adults are not permitted on the inflatables during public hours (with the exception of special toddler only events where adults may help their children on the inflatables). Adults are permitted on the climbing play structure, so have fun navigating the structure with your children and race them on the slides back to the ground floor!
The interactive toddler area that is designed for children 3 years and younger. Parent supervision is required in this area.

We have a comfortable viewing area for parents to kick back and relax while your kids are playing in a safe and imaginative environment. Our snack bar serves a great cup of coffee – and there is free wi-fi too if you need to check your email.

Our engaging staff is focused on providing a memorable family fun experience for our visitors while keeping safety in mind.

We have open play time from Monday - Sunday (closed on Wednesdays) where kids can enjoy our gigantic inflatables and our entry into the centre allows you to stay for as long as you like to (parents'/guardians' admission is always free).

Give your child a birthday party with memories that last a lifetime! No matter if you are visiting with a smaller birthday party or looking to rent the whole facility, our staff is here to help you put on a party to remember. Our kids birthday party packages are designed with fun party and play time and we offer different packages depending on your needs so that you can focus on celebrating your child’s special day. Kids' birthday party packages include 2 hours of party and jump time and use of one of our private party rooms for your guests to enjoy. We have convenient online booking available for our kids' birthday parties.

Jump2It is a popular destination for groups and school field trips. Our indoor playground facility can accommodate up to 100 visitors. You can arrange for visits during open play time hours or if you prefer, we can arrange for a complete facility rental for your private function. Jump2It is also available to host your corporate party and block party. Make your party an event for the whole family to enjoy - you can rent the whole facility for your party and have access to our party rooms and the inflatables. And when it's a private function, we can allow adults on the inflatables too. Please call us at 778-484-2524 to book Kelowna's bounciest party!

What to wear when you visit Jump2It?

Socks required for ALL guests. Please have your children wear comfortable clothes (no metal embellishments i.e. exposed zippers or rivets which may damage the inflatables.)

Where is Jump2It?

#228 – 1891 Springfield Road
Kelowna, BC V1Y 5V5

Monday, 4 September 2017

Looking For a New Show To Watch? Try NCIS

Fall is creeping up on us and I know I like to lay in bed and relax to some good TV after a hard days work. But what happens when you have run out of shows to watch or don't know what to start watching? Everyone loves binge watching series right? Try NCIS. If you like crime investigation this series is perfect for you.
Naval Criminal Investigative Service Special Agent Leroy Jethro Gibbs leads a group of colorful personalities in investigating crimes -- ranging from murder and espionage to terrorism -- that have evidence connected to Navy and Marine Corps personnel. The team includes witty ex-homicide detective Anthony DiNozzo, quirky forensics specialist Abby Sciuto, and the brilliant -- if insecure -- Timothy McGee. Dr. Donald "Ducky" Mallard brings his vast experience in forensics into play to help solve cases.

Did you know: "NCIS" is the seventh-longest-running scripted primetime TV series in the US (15 seasons).

You can find the series on Amazon!


 About Paramount Home Media Distribution
Paramount Home Media Distribution (PHMD) is part of Paramount Pictures Corporation (PPC), a global producer and distributor of filmed entertainment.  PPC is a unit of Viacom (NASDAQ: VIAB, VIA), home to premier media brands that create television programs, motion pictures, consumer products, and digital content for audiences in 180 countries and territories.  The PHMD division oversees PPC’s home entertainment and transactional digital distribution activities worldwide. The division is responsible for the sales, marketing and distribution of home entertainment content on behalf of Paramount Pictures, Paramount Animation, Paramount Vantage, Paramount Classics, MTV, Nickelodeon, Comedy Central and CBS and applicable licensing and servicing of certain DreamWorks Animation titles.  PHMD additionally manages global licensing of studio content and transactional distribution across worldwide digital distribution platforms including online, mobile and portable devices and emerging technologies. 

Sunday, 3 September 2017

How To Throw An End Of Summer Party For Under $100


This year I decided to throw my daycare group as well as my own kids an end of summer party so we could all enjoy the end of summer and celebrate the start of the school year. I didn't want to spend a fortune but I wanted to ensue the kids had a blast! So here is how I pulled off an awesome party for 7 kids for under $100.

 I made my own pinata using a balloon and paper mache. A very simple recipe and method. All you need is:
  • a balloon
  • strips of newpaper
  • Elmers white school glue
  • water
  • paint
Simply mix 3/4 cups of glue with 1/4 cup of water and dip the strips in the mixture one by one and start wrapping them around the balloon covering the entire surface leaving just a small hole near the top to put in candy and take the balloon out. Let it dry for one day and pop the balloon inside. Paint it however you like, we chose a fireball as it was super hot out and it reminded us of camping, although the kids said it looked like a Monster Legends Egg.

This pinata cost me nothing to make because I had all the materials in my home daycare. I did however by a cheap net decoration from the dollar store for $1 to hang it with.

I had the kids make paper chains as decorations which was one of our crafts during the week. The kids love making them and they make adorable hand made decorations. These also didn't cost me anything because we had glue and construction paper at home.

I purchased lei's for each child as well as some other simple decorations from Dollar Tree as well as a giant bag of assorted candy to fill the pinata and that cost me about $40. 

We hand painted this adorable banner during the week using some fabric I had left over from previous crafts and it turned out super cute. This also cost me nothing because as a daycare I always have paint on hand.

 Next is my homemade Under The Sea cake. I purchased foil containers with lids from walmart for $3 and it came with 3 of them. I also got a rainbow bit Great Value cake mix for $1, Betty Crocker frosting for $1, two packs of Pepperidge Farm Goldfish Graham Crackers for $2 each, and food coloring for $4 which can be used for many future projects. 

I simply baked the cake following the directions then separated the frosting and used blue and green coloring to create water and seaweed. I then placed fishy crackers all over the cake and used some Wiltons white sparkle gel I had in the cupboard to make bubbles around the fish. 

Total cost: $13

 We played limbo which cost nothing because we used materials we had around the house.

We played juice pong using plastic cups which cost $1 at the thrift store and Hawiian Punch which is $2 for a case of 6.

We had a Slow Pitch tournament using our beach floatie and some paper targets I made by writing points on paper and taping them on parts of the dolphin. This also cost nothing thanks to my creative thinking. The kids really enjoyed this game.

We took a great group photo with our banner, fancy cups, and whale decorations. I will be printing a photo for each child which will cost around $2 for all the photos. For lunch we had pizza which I bought from Walmart and made at home $4 each and I got 2, and we had pop in special cups with umbrella straws from the Dollar Tree, which cost $3 per case of pop and I bought 2, and $6 for the straws and cups also from Dollar Tree.

The total cost for the entire party was:  $75
  • $47 on candy, decorations, & supplies
  • $13 for the cake
  • $14 for pizza & drinks