Loading...
Browsing Category

Tips

10 Classic Games to Have for Your Family Game Night

Family game nights are making a comeback in homes across the nation especially during the Coronavirus pandemic and national quarantine.
Playing games together is a fun way to brings families some much needed face time with each other.
Check out these family friendly games for your next game night.

Scrabble. Scrabble is both educational and fun.  This game can be played with as few as two players or as many as four or more, if you want to divide into teams.  The object is to create the highest scoring word using the 7 tiles that you have drawn at random from a bag of tiles.  Many feel that the tip to winning is to learn all of the 2-letter words because this will allow many more scoring opportunities.  Scrabble has been around since 1938, and since then many games have been created based on the popular word game, the most noteworthy being Words with Friends.

Uno. Uno is another game that can be both educational and entertaining.  This card game is played with a special deck of cards which includes number cards in four different colors and five categories of special cards: Draw 2, Skip, Reverse, Wild and Wild draw 4.  Young kids can play this game because the bulk of the game is played by going around the table and placing cards of the same color or number onto the discard pile.  There is some strategy that can be implemented by older players by using the Reverse and Draw 2 cards.  Uno has been sold by Mattel since 1992.

Yahtzee. Yahtzee is a dice game that can be enjoyed by the whole family.  It’s easy and fun to roll the 5 dice and with a little help, kids can pick out the same number on the dice to save.  The object of the game is to fill in a score sheet by trying to roll the 5 dice you start with a maximum of 3 times per turn.  You need to save as many 1’s, 2’s, 3’s etc. to fill in the top of the score sheet.  The bottom of the score sheet contains things like 3 and 4 of a kind, Full House, and Yahtzee, which is when you roll all 5 dice on the same number.  Kids love to roll the dice and everyone at the table can help figure out what the best move is for each turn.

Candyland. All kids need to own the game Candy Land during their childhood.  A board game created with lots of colors and pictures of candy is right up every child’s alley, and this game is simple enough that it can be played with very young children.  To play, each child draws a card from the pile on their turn.  It will have 1 or 2 squares of a specific color on it.  The child then moves their gingerbread man playing piece along the Candyland path until she gets to the first square of that color if she has one square or the second square of that color if she has two squares on her card.  That’s all there is to it.  Along the path there are pitfalls where they will lose their turn.  When drawing cards they may draw a card with a picture on it.  When they draw a picture card they can immediately move their playing piece to the space with the same picture.  The problem occurs when the picture is clear back at the beginning of the path and the child is almost at the end.

Monopoly.  By rolling the dice and moving around the board you can buy and sell real estate, making everyone in the family real estate tycoons.  If another player lands on a property you own, they have to pay you rent.  If you get all of the properties of the same color then you are said to hold a monopoly and you can charge double the rent.  Once you have a monopoly you can also build on your properties, whether it is houses or hotels, and charge even more when people land on your properties.  Kids need to be able to count money to play Monopoly so it’s probably best suited for kids 8 and up.

Pictionary. Pictionary brings the classic game of charades to paper.  In this version, charades are done as a drawing game where you can work by yourself or in teams to guess what is being drawn.  Each player will take turns and will draw a card from the box. Depending upon what space their game piece is resting on determines which line they have to draw on the card.  The category helps the guessers narrow down their guesses, and the drawer does their best to draw whatever is on the card to get their partner or teammates to guess the word.  There is a time limit, so the drawer and their teammates are working against the clock.  If they guess the word then you get to move your playing piece, if not you have to stay where you are.  This game translates well to a party game played with a white board and some markers.

 

Telestrations. Telestrations is a newcomer to the board game family and is a family friendly game that will have you rolling with laughter.  This game was based on the old telephone game where you would whisper a line or story into one person’s ear and the story would have to be retold by each person all the way around the circle only to discover that at the end the story was significantly different than how it started.  Each person is given a booklet.  On the first page they write down what the drawing is to be and then pass it to the next person.  In the mean time you are being handed a book where someone else has written an item that you must try to draw.  The pages are folded back and forth so that the first person writes what the picture is supposed to be.  The second person can look at that word and then draw it.  The third person can only look at the picture and write down on the next page what they think the drawing is.  The next player has to draw what the last person guessed.  The final person guesses what the last drawing is and then passes it back to the original person.  As you can guess, the pictures don’t always match the words and hilarity ensues.

Trivial Pursuit. The original Trivial Pursuit contains a box of questions and a board.  The playing piece is round and is filled with different colored pie-shaped pieces based on 6 different categories.  The spokes of the wheel on the board contain different topics that have to be answered.  Once you land on category headquarters then you can answer the question and earn a piece of pie.  Once you have earned all of your pie pieces you can move to the center to win the game.  If you answer a question correctly you can keep going until you miss a question.

Clue. If you like murder mysteries you will love the game Clue.  In this game you become a character and move around the board collecting clues.  You need to ask questions and figure out who the murderer was, where the murder was committed, and what the murder weapon was.  For example, Colonel Mustard did it with a wrench in the library.  Once you have made your guess the envelope containing the answers will be opened to see if you are correct.  This game promotes logical thinking and works on memory skills.

Cranium. Cranium is billed as the game that involves your whole brain.  There are four card categories in which you could have to answer.  One is Creative Cat and it can have you draw a clue like Pictionary, draw a picture with your eyes closed, or sculpt something out of clay.  The Data Head category requires you to answer trivia type questions and the Word Worm category sometimes requires you to spell or figure out anagrams and the like.  The last category is Star Performer which is just as you would suspect, you have to act out the word, hum a song or speak in an accent.  This board game is lots of fun for the whole family.

Enjoy!

family game night

Top 10 ways to live your best life while quarantined {An Author’s Tips)

Authors have long been known for isolating themselves from the world to build their own.

International best-selling author of the Venators SeriesDevri Walls, is no different and has spent more than her fair share of time working from home. Since many people are having a trouble adjusting to this brave new world where being trapped in the house is the normal, we decided to ask her how an author does it.

Honestly, if anyone can give great advice on being alone for extended periods of time, it’s a fantasy writer. Here are Devri’s Top 10 ways to live your best life while quarantined:

  1. Get ready for the day. Hear me out. First of all, if you’re showered and dressed in decent clothes, you might actually do that job that has suddenly been moved to your home kitchen table office where your toddler is dripping milk across your very important documents. But equally as important, what if this quarantine finally spurs the ancient elven races to descend from their hiding places and retake Earth? All I’m saying is that if Legolas comes walking down my street with that long golden hair flowing out behind him, I’m going to want to look good.
  1. Stop staring at your phone and reading everything you can find. Here’s the deal – I did it. I read all the things. I’m scared to look at my screen time count…IT WASN’T PRETTY! So, before you start leaving blubbering social media posts about how you’ll miss the society you once you knew while quoting Shakespeare in preparation for our return to days of yore, walk away.
  1. Create something. Anything. It’s hard when it feels like things are falling apart around you. Take back an iota of control and start up those piano lessons online, build your website, read that book, redecorate the room that’s been driving you nuts, get a garden ready, teach your pet dragon not to set your beard on fire, build that meditation tree stand. You do you!
  1. Find your quest mates. This life is a crazy adventure, and some of us have lost sight of that in our modern world. Well guess what? Life just demanded that you slow the heck down and look around for a second. Find those that are important to you and cling tight. Live alone? Losing your mind? Guess what? This is the easiest year ever to have a quarantine. You can live video chat with whoever, wherever. It’s like magic! The most amazing, socially-connecting magic ever! Trust me when I say that Arwin (one of my favorite wizards) would be most impressed.
  1. Take your magic potions. A magic potion is critical! What? Why are you looking at me like that? All right fine, there’s no potion. It’s vitamins. I’m talking about vitamins. But it’s a fact that having a healthy body is important.
  1. Read the books. If I had a dollar for every person who told me, “I’d like to read but I don’t have time,” I’d be a ka-billion-jillya-naire. And instead of writing this post, I’d be recording some uber-swanky video from my own personal island that I purchased just for this quarantine. Guess what we’ve all got now? Time. So hey, pull that old book off the shelves, order a new one from your favorite local bookstore for delivery, choose an eBook or download an audio book. The book world is so accommodating these days – take advantage.
  1. Dance party in the living room. I have no fantastical basis for this suggestion; I just feel like it’s a good, solid plan. Music, exercise, fun, and laughter. With no one other than your immediate family to make you embarrassed. Now is your time to let those dancing shoes out of the box. Fine print: Cats and dogs are included as family. Also, goldfish. I’d add chinchillas but I have it on good authority that they get a little judgey.
  1. Eat well. Look, we’ve all said that we’d love to cook this or that but we don’t have time. I made sweet and sour pork with fried rice last night. How long did that take me? Two hours. TWO HOURS, people! Think I have time for that on a normal weekday? No. (Nor would I have had time for the second degree burn on my thumb from frying said sweet and sour pork.) Maybe today is the day that you finally make that attempt at homemade bread. Will you ever want to do it again? I have no idea.
  1.  Find your Zen. Life these days moves at breakneck speed. Article after article has been written about how much stress the constant barrage of things that need attention creates. You’ve just been forced to slow down. No, you can’t attend the after-work get together, and little Johnny won’t be making it to that birthday party after all. Even though many of us are working from home and trying to juggle new distractions, the fact is that your social calendar just cleared up. Let’s figure out how to live at a lower level for a while. Who knows what heroic things we can accomplish when our lives and minds are less cluttered?
  1. Find your moments. Even in fiction we can’t write all bad all the time. It’s not sustainable. And what I mean by that is that YOU the reader cannot and will not sustain it. It’s too heavy, too depressing, you literally can’t handle it. So, we add breaks, moments of light. Sometimes it can be as small as a smile and a sarcastic comment. Living life in the darkness, even if it is dark, is not sustainable. You must find the light in the small moments throughout the day to hold onto. They are there if you look for them!

Good luck everyone!

How to get your newborn to sleep through the night

Every baby is different, so it’s only natural for some to have a more difficult time with nighttime sleep than others. Some babies take to it very well and at a very young age are able to sleep through the night with only the occasional wakeup. Others, however, require a lot of patience and guidance in order to get to point where they can sleep all night. But in every case, there are things parents can do to make things easier for the baby as well as for themselves.

If your baby has trouble sleeping through the night and you are ready to move to the next stage, here are a few tips that may help.

  1. Have a routine: To ease your little one into sleep, establish a nighttime routine that you follow without exception. This might include a bath, reading time, and the last feeding of the day. Do whatever works best for your family. Just make it consistent, and make sure it differs from other routines you have through the day.
  2. Discourage nighttime feeding: Very early on, it is perfectly natural for an infant to require several feedings during the night, and this can continue for many months if it is not too much trouble for the parents. But if are ready for better nighttime sleep and your child is old enough, you can begin phasing out these feedings. Keep track of how much your baby eats and how much she requires, and make sure she gets enough during the daytime hours while gradually lessening the nighttime feedings.
  3. Position the baby well: To minimize the risk of SIDS, most medical authorities recommend placing the baby on her back at bedtime for the first nine months of life (some recommend longer), and this advice is worth heeding. But when the baby gets old enough to move around at will, there is little you can do to control her position. The good news is that she will naturally find the position in which she is most comfortable and in which she will sleep best. So when your baby is old enough, give her the freedom to find her preferred positions.
  4. Try different outfits: If your baby seems to wake up a lot, this could be a sign of discomfort resulting from his sleep outfit. Try different things, and make sure you experiment with each item enough nights to draw a conclusion about whether your baby likes it or not.
  5. Control room conditions: Also try different conditions in the room where your baby sleeps. Perhaps he does well with a little bit of noise, in which case you can use a fan or a radio to make some gentle white noise. Also make sure you try different temperatures. Childcare experts generally recommend dressing babies a little more warmly than you would dress yourself, but this is not a blanket rule, and some babies tend to get hot in normal room-temperature conditions.
  6. Learn baby’s back-to-sleep habits: Watch your baby for several nights to see how she typically reacts when waking up in the middle of the night. If she wakes, fusses for a moment, and then goes back to sleep, make sure you allow her to do this instead of interrupting her natural process. On the other hand, if you can learn to recognize when she is unlikely to get herself back to sleep, you can get to her early and minimize the amount of time she is awake.

Good luck, new parents! We hope you get some rest…and baby too!

 

The 3 Step Guide for Setting Up Your Quarantine Homeschool

students

students

By now, most parents are a month or more into being Homeschool families and many have been given the news that school will not resume for the school year.

With this reality solidified, now is a great time to get organized for this last quarter. During this time, we are all sharing one office space and need to keep our files separate and organized from other members of the family.

Here is one suggestion on how to accomplish this task:

STEP ONE

Find in the home or purchase from Staples, Walmart, Target  curbside pick up or Amazon, one mega 3 inch three ring binder and purchase  thin one-subject spiral notebooks to go in it.

Purchase matching color-coordinator two-pocked three-hole punched folders to accompany each subject that will be placed behind each notebook.

In the left pocket of each folder, insert the class syllabus/agenda for each week . The right pocket will be used to hold loose-leaf notes and print outs.

The notebook  should used for note taking on one side of the pages only and dated at the upper right hand corner so your child can keep track.

STEP TWO 

FAMILY ORGANIZATION MATERIALS:  Because the entire family will need to organize time in the shared office space, dueling times on the computer on zoom office meetings or distance learning sessions, a large central family calendar is a must have.

It’s great for the entire family, for accountability sake and so everyone is tune in to the duties and obligations, and assignments of everyone in the household, use or repurpose the following: 

A Large Central Family Calendar to hang in the kitchen or family room where everyone can see it.

On this large calendar, put important dates including virtual doctor’s appointments, quiz and project deadlines, online tutor and rehearsal schedules and more.

If you have more than one child, like we do, dedicate a different colored marker color for each child and family member so they can easily see what applies to them with a glance.

This large calendar may help your child or children organize in their mind(s) as well as let you know who has what exam coming up or assignment due and when too.

STEP THREE

A Storage Bin: Find an unused bin in your home or, if it is financially feasible, order one from Staples, Walmart, Target or Amazon

Get a bin with multiple compartments that can store paper, notebooks, blank flash cards, pencils, pens, markers, crayons, staples, glue, scissors, compasses, protractors, rulers and all the materials that may be needed for homework or a short project.

It takes away the time wasted looking for a sharp pencil that children use as an excuse to procrastinate from starting. Have this storage bin be located in the designated study area or nook in your home.

A Weekly Calendar: Like the monthly calendar, the weekly calendar should be updated each Sunday before the new week with tests, quizzed and other due dates. . Have your kid or kids review your class notes from the previous week to see if you need to add any school activities.

Timer: Use a timer on your smart phone and set it for 15-20 minutes of uninterrupted study, then allow for 5-10 minutes of break to help a child who has a tough time concentrating and working non-stop.

You can also purchase a timer just for this purpose.

It’s also great for kids who have or are borderline ADD/ADHD and/or have executive functioning disorder. Children with these conditions require more frequent breaks.

Daily To-Do List: Some children need daily reminders of what to do each day and even though you tell them, they forget.

Having a fixed daily schedule up on or near the fridge in the kitchen or other heavily traveled area is a good idea.

Ours include minutiae: Bathe, brush teeth, put on deodorant, dress, brush hair, eat breakfast; and after school and after library: undress, hang up uniforms, dinner, get forms signed, pack backpacks and knapsacks for the next day and leave by door, unpack lunchboxes and dump uneaten stuff and trash, warm milk, reading or practice instrument, quick study, bedtime.

Now, let’s get organized and getterdone! No more excuses for being organized! Do it today!!!!!

Good luck, parents!

Follow This 10-Step Tips to Kick Off Your At Home Work Out Plan

Photo by Nathan Cowley from Pexels

With Health Clubs and Gyms shut down because of Coronavirus, people seeking an alternative to visiting their local gym have other options available to get a gym-level workout from home.  Nezar Akeel is the Founder and CEO of MAXPRO Fitness, designers and manufacturers of MAXPRO, an award-winning ultra-compact “anywhere anytime gym” that works perfectly in any room in the home or outside in the yard or on the deck.

While MAXPRO offers one viable option to staying in shape when you can’t go to the gym, Akeel and MAXPRO Fitness’s Sabrina Wescott, a certified holistic health coach, are both available to discuss other ways people can stay fit at home during these uncertain times.

Among the recommendations they are prepared to discuss are the following ten fitness tips for working out at home instead of the gym or health club:

1- Set realistic goals based on prior workouts. If you normally do 30 minutes of cardio at the gym, you can still do 30 minutes of cardio at home. The same goes for strength training. If you want to take your workout to the next level, increase your weights for the first few reps and then back off of the last few. For cardio, push yourself by adding increments of 2-5 minutes per day.

2- Don’t ‘wait’ around for the best time to work out. It is important for your success to schedule time to work out at home, just like you would do when physically going to the gym. If kids are home and you are having a hard time finding time, include the kids in your workout routine.

3- Home-based training equipment has been a long-standing option for people not wanting to go to the gym. If you are used to working out with a coach or a trainer, the MAXPRO coaching app, along with other training apps, are available to give you training programs and even track your workouts. However, if you don’t have access to these equipment options, bodyweight training can be a good alternative for working out at home. Planks, squats, burpees, push-ups, lunges, frog jumps, mountain climbers, spider crawls, and standing long jumps hit all parts of the body while keeping your heart rate up. These exercises utilize your own weight to burn calories and build muscle.

4- Meditate. Meditation can help control stress, anxiety and improve cardiovascular health. Meditation can be as simple as taking in deep breaths through your nose and breathing out your mouth or as guided meditations. The sky is the limit here.

5- Give a boost to boring workouts with at-home Circuit Training. Try starting with Jumping Jacks for 45 seconds, jump down to pushups for 45 seconds, stand up and do some squats for 45 seconds, switch it up to skaters for 45 seconds, end with some alternating lateral lunges (modify down when necessary). Repeat this circuit 3 times.

6- Go Online to find new classes every day.  Instructors from all over the globe are constantly making available both “live” classes and daily classes both on Facebook and YouTube. You can find some great stuff that fits YOUR fitness level.

7- Get some fresh air.  With the weather getting warmer every day, opening a window or door to bring the outside in can get your senses going. Head outside for a brisk walk (fast walking) enough to get your heart rate elevated and get you slightly breathless.

8- Make your workout place feel special.  Make sure that you have an open space without obstacles and add a few photos of your quotes or images that inspire you. This doesn’t have to be anything fancy, just somewhere you can go to feel relaxed and accomplished.

9- Stretch and Cooldown. Stretch stretch stretch!! Make stretching part of your cool down. Stretching is so important as it keeps your muscles flexible and allows you to maintain (or grow) your range of motion. Not stretching can put you at risk for joint pain and muscle damage. Use this and deep breathing to help lower your heart rate to normal.

10- Proper Nutrition. We know how important water is to a healthy body, but another key nutrition needed following a workout is a good quality protein. Eating/drinking a good quality protein within an hour after your workout helps your muscles heal and prevents the loss of lean muscle.

6 Self Care Tips While Working From Home

org
org

Photo by Anthony Tran on Unsplash

Some people work from home by choice and love it. But a whole new contingent of people have started having to work at home over the past few weeks due to the Coronavirus pandemic. Many of those people prefer working in an office, and are missing out on what the environment provides them.

In emergency situations like this one, employees may have no choice about their workplace location. Working from home may be mandated in their company or area regardless of preference—and there may be no clear timeline on when such quarantining will end.

In such cases, you may find yourself wondering how to practice self-care while working from home, and wondering how to cope with feeling anxious, uncertain, scared, and/or lonely. Read on to learn how to make working from home feel more connected and less “out at sea” when you find yourself unexpectedly housebound, whether due to a crisis situation, company reorganization, or other reasons.

Create a Daily Routine 

If you’re someone who thrives in an office setting, one reason why may be the built-in structure that office life often affords. You arrive for work at the same time each morning, have a predictable schedule of meetings and desk time, a lunch break, and an end to the day before dinnertime that you can usually count on.

Working from home can feel the opposite of this, since without creating your own structure, you may find yourself at loose ends, getting absorbed into domestic minutia instead of staying on task with your deadlines and projects. The solution to this is to develop a reliable daily routine that you can use as a framework for your work-from-home days.

A good idea here is to try to model what works for you in the office—at home. If you usually begin your day at 9am sharp with a cup of green tea and a review of your task list at your desk before attending a 9:30 staff meeting, followed by a two-hour block of focused task time at your desk with your headphones on, then see to it that you set your alarm in enough time to get you to your desk at home by 9am with your teacup in hand.

Ask your supervisor if the staff meeting can be conducted by conference call at the same time it was done in the office. After you’ve connected with your team, then reserve that same post-meeting, two-hour block of focused time for your most pressing projects.

Breaks and Lunch

Other ways to create a daily routine for structure are to plan out your lunches in a similar way that you did in the office. For example, if you always packed a sandwich and fruit—making it ahead of time that morning—then stick to your schedule and prep your lunch at the start of the day so it’s ready for your break. If you’re a reliable noon luncher, then don’t let work bleed into the afternoon with your stomach growling just because you are home—instead, set an alarm for noon so that you stop and eat at the usual time.

And if you always sat with a specific friend at work for lunch, then see if you can connect through technology to eat “together” from home. Scheduling a few regular breaks in addition to lunchtime can also help you stay mentally fresh and energized while working from home.

Use Apps to Create Structure and Boost Mood

You don’t have to reinvent the wheel when it comes to self-care and working from home. See below for some free helpful apps that you can use to meditate, take a break, or focus.

Break Apps

Working for hours without remembering to take a break is unhealthy and can lead to physical and mental ailments, so try out the mobile device reminder apps below that can ping you so that you can mentally refresh throughout the day.

Stand Up! The Work Break Timer

For iPhone and iPad, this app allows you to customize your preferred break time to your specific work schedule. You can set reminder intervals in increments ranging from five minutes to two hours. And, it even provides a seven-day history so you can see how well you’re doing at taking your regular breaks.

Randomly RemindMe

An Android app that you can use to remind you not only to take breaks, but to engage in other healthy habits like drinking water or exercising. Fully customizable for daily, weekly, and monthly reminders.

Meditation Apps

One thing you might want to do on your work breaks, once reminded of them, is meditate. The apps below can help you do it.

The Mindfulness App

Available for iPhone and Android, this app gives you timed sessions up to 30 minutes long (and as short as three minutes) for both guided and silent meditations. Customizable format with bells and nature sounds.

Headspace

Headspace offers an app for both iPhone and Android users. It offers lessons in meditation, breathing, living mindfully—and even sleeping, to restore yourself after your busy workday. Features courses that each have a series of guided meditations.

Focus Apps

Any workplace—whether an office or at home— has distractions. To focus better, try these apps:

Hocus Focus

A free Mac app that clears your computer screen’s clutter by allowing you to view one window at a time.

Brain.fm

A science-centered way to create music that improves brain activity and improves your focus.

Make Your Setting Inviting

Invest some time into creating a work setting that makes you feel comfortable and productive.

This effort begins with the basics, like your home office location. If you have a space that you can dedicate solely to your work for the time being, that will go a long way toward making your space feel like one where you’d like to get the job done. Don’t fall prey to claiming the first thing you see—settling into a chair at the kitchen table where everyone eats, or plunking down on the communal sofa in the living room.

The problem with these areas is that they are already designated for other functions, and will likely come with their share of interruptions. It’s also difficult to set up anything permanent there, since you’ll need to frequently move your laptop and papers when the space needs to be used for something else (or by someone else). Instead, claim a quiet corner in a room where you won’t be disturbed. See if your company allows for reimbursements for materials related to your required home office, such as a proper desk chair and printer.

Also consider the decor of your home office space. Small touches like plants, pictures, and filing cabinets can help keep your work space feeling like a place you want to be, and can help you feel better while working from home.

Adapting to Working from Home and Practicing Self-Care

Working from home, especially when unexpected, can present challenges. But there are many benefits to remote work, as well. Saving time by avoiding a commute, minimizing environmental footprint, and increased productivity are just a few.

So, make the best of your work-from-home experience and take some initiative toward your own self-care. You can boost your mood and feel more connected from right where you live.

Interested in more remote work tips? Subscribe to our newsletter and we’ll deliver advice straight to your inbox.

Tax Day: What Families Need to Know About Student Loan Interest Deductions

Photo by Olga DeLawrence on Unsplash

Since 1998, the number of Americans claiming the student loan interest deduction at tax time has more than tripled, from less than 4 million to more than 12 million. Yet Congress hasn’t increased the maximum deduction in almost 20 years, and fewer than one in three student loan borrowers claims it.

An analysis of more than than two decades of IRS data reveals some surprising facts about who benefits the most from the student loan interest deduction:

  • All told, Americans have deducted more than $165 billion in student loan interest payments at tax time, with the average deduction climbing from $460 to $1,089
  • Married couples filing joint returns represent only about one-third of all tax filers, but claim roughly half of the nearly $14 billion in deductions awarded each year
  • Millennials claim nearly two-thirds of deductions, but deductions awarded to taxpayers 55 and older are approaching $2 billion a year
  • Although the tax break is fairly well-targeted at the middle class, one-fifth of deductions go to families making $100,000 or more

Here’s what you need to know about the value of this “above-the-line” deduction to different borrowers, and how to claim it.

How the student loan interest deduction works

If you’re paying interest on student loan debt, federal or private, you may qualify to deduct up to $2,500 in student loan interest payments from your income and earnings. Depending on your tax bracket, the reduction in your adjusted gross income (AGI) can save you up to $550 on your tax bill, although the average savings is closer to $200.

The student loan interest deduction is an “above-the-line” adjustment, meaning you can claim it even if you don’t itemize your deductions. So even if you’re like most taxpayers and just take the standard deduction, the student loan interest deduction might still save you money.

If you’re single, the deduction starts phasing out if your 2019 adjusted income is above $70,000, and you can’t claim it at all if you make more than $85,000.

The 2019 limits for married couples are a little higher, with the phaseout starting at $140,000. Couples making more than $170,000 can’t claim the deduction at all.

The student loan interest deduction benefits the middle class

 

Deductions by income ($13.69B)

Deductions by income ($13.69B)No adjusted income 0.73%$1-$10,000 2.12%$10,000-$19,999 5.18%$20,000-$29,999 8.39%$30,000-$39,999 11.61%$40,000-$49,999 13.21%$50,000-$74,999 24.96%$75,000-$99,999 13.43%$100,000-$200,000 20.36%

The student loan interest deduction is targeted at the middle class, with nearly two-thirds (63.3%) of deductions claimed by taxpayers earning $30,000 to $99,999. Source: Credible analysis of IRS data.

Married couples claim half of all deductions

Married couples filing jointly account for only about a third (35.8%) of all tax returns, but represent close to half (45.7%) of all claims for the student loan interest deduction.

 



Not only are married couples filing joint returns more likely to claim the deduction — 10.5% did so in 2017, compared to 7.6% of singles, and 5.7% of heads of household — but they’re awarded larger deductions. Married couples claiming the student loan interest deduction were able to deduct $1,154 from their income, on average, compared to $1,067 for single taxpayers and $897 for heads of household.

Because married couples are more likely to file claims and are awarded larger deductions, they captured 48.4% of student loan interest deductions awarded in 2017, totaling $6.63 billion.

Married couples can only claim the student loan interest deduction if they file joint returns. That means in some cases, both members of a marriage may be paying down student loan debt.

That’s one explanation for the higher prevalence of claims and bigger deductions awarded to married couples. But higher income limits — $170,000 for married couples, versus $85,000 for other taxpayers — are another factor.

How to Minimize Kids Sugar Snacks During Quarantine

Photo by Patrick Fore on Unsplash

During quarantine, there are a lot of snacks being consumed because why not? We’re not going anywhere and snacking is something to do. However, we know that it is not necessarily a good thing.

If you’re a parent, at some point, you’re going to want to pull back on the sugary snacks a little.

The American Heart Association recommends that children consume less than 25 grams of added sugar per day.  That’s exactly six teaspoons.

In her new picture book Mommy Can I Eat This?health coach Maria Sofia reminds both parents and kids that it’s okay to enjoy sugary treats from time to time, as long as they do so in moderation.

 In fact, she says, moderation is preferable to deprivation. How do you teach kids moderation and enforce it over time? She offers these three great tips

Take the “one bite per day” approach

Practice with a chocolate bar.  Rather than eat it all at once, break off a piece to have each day.  Determine in advance how many pieces there will be, and how many days the chocolate bar will last.  Set that expectation – and stick to it.

Play the Sugar Cube game

One sugar cube is equal to one teaspoon of sugar.  Allow your kids a total of five sugar cubes’ worth of sweets per day, using sugar cubes to demonstrate how much has been consumed.  Kids can save cubes up for a special treat, but must give cubes up if they eat too much sugar in a given day.

Reward moderation with non-food treats

Instead of putting surplus sugar cubes toward a big dessert, put them toward a special outing or event, such as a day at the zoo or an afternoon at the movies.  Make sure to bring your own snacks!

Good luck!

4 Natural Ways to Induce Your Labor

Premature birth may worry you as it worries most expectant parents but becoming overdue can also bring its own concerns and difficulties. As you become larger, sleeping can become more challenging. It becomes increasingly more difficult to get into a comfortable position as does breathing as your lungs become more crowded due to your overgrown uterus. If your baby stays in too long then there are risks associated with this, most commonly that your baby could pass meconium. If you find yourself overdue and are seeking advice to naturally help induce labor then the following is a list of ideas to do exactly that.

1. Sex– is often prescribed by doctors to help induce labor because the prostaglandins in semen help soften and prepare the cervix to dilate.

Herbs – hundreds of years ago midwives used herbs to prepare mothers for pregnancy, labor and birth. This was before the invention of pitocin. You must be very cautious with herbs of any kind as they can cause great damage if the correct dosage is not administered. Black cohosh, available in capsules or teas is commonly used to induce labor and can be with or without alcohol. During birth, black cohosh can help strengthen and regulate uterine contractions. Other herbs which have similar effects are red raspberry leaf and false unicorn root. These particular herbs have natural chemicals which are released into the woman’s body and stimulate the baby to encourage her to move and get positioned for birth. Herbs should not be used until the cervix is ready to open as they will not work until then. Beware of some herbs which can be dangerous to you or your baby such as aloe vera, bungleweed and pokeroot as these are some of the herbs that can cause premature birth or birth defects. Always consult a doctor before self-medicating with herbs. Primrose oil is used to induce labour as it has a comparable effect to semen in the cervix by softening and ripening it.

2. Castor Oil – is taken by some women as a natural method of bringing on labor. The theory being that the diarrhea and cramping it causes also causes contractions that can induce labor. It is unpleasant to taste but two tablespoons can be mixed into another drink such as a juice. It is advised to consume castor oil in the morning as you will be woken in the night with the cramping and diarrhea if you take it in the evening. There are risks with taking castor oil such as the expectant mother becoming dehydrated because she has diarrhea and also it increases the risk of the baby passing meconium while still in the uterus.

3. Nipple Stimulation – for hundreds of years nipple stimulation has been used by women to help induce labor. It has an effect of releasing a natural form of pitocin called oxytocin. Similarly to pitocin, oxytocin triggers contractions that can bring on labor. This method for naturally inducing labor is only effective near to your due date and when you are ready to give birth. Before forty weeks, it is not advisable to induce labor. The nipples can be stimulated manually or a breast pump can be used. Care needs to be taken as your uterus can become hyperstimulated. Only stimulate one nipple at a time and rest immediately once you notice contractions. Wait at least fifteen minutes after the contractions have stopped before resuming. If you do not get any rest between contractions other problems can arise.

4. Be Active – whilst most doctors advise you to slow down and reduce your activities as you approach your due date, it is also helpful to remain active as long as you do not cause yourself any stress. Walking a wee bit more than usual and slowly swinging your hips from side to side can help induce labor by stimulating your baby and getting her moving into the birthing position. If you fancy some fun, sex is always a good idea as I mentioned before because along with semen helping the cervix to soften, the female orgasm produces a hormone which aids childbirth.

Other methods women have used include acupressure and eating spicy foods, but watch out for possible nausea with spicy food and medical research has not yet supported this idea as definitely being beneficial.

How to Do Professional-Looking Nails At Home

With a lot of non-essential businesses being closed for the global quarantine, a lot of women who regularly get their nails done (me included) are finding themselves having to do their own manicures.

Before COVID-19 changed life for all of us, my baby sister put me on the at-home nails as a temp solution. Since then, I’ve tried quite a few with much success.

My absolute fave brands are Ardell which is more famous for its fake eyelashes and Kiss, which is a staple for nails.

They range in price from $5 to $15 for the nails. You can get a bottle of nail glue at the drug store or beauty supply store for about $5. Other than that, all you really need is a file and buffing block which you can get for about $5!

Here is a photo of some short nails I tried out earlier this year:

[Buy the matte blue ones here]

And a French manicure set by Kiss.

[Buy it here under $7]

This week, for Easter, I installed some coffin shaped nails.  I still have to paint them but I like how they turned out.

[Get your own on Amazon here]

My sister has upped the ante and actually purchased a drill and does her own nails and they look great! Check out her results.

She uses the clear, pre-cut ones by the brand AORAEM which come in packs of 100 plus pieces and ordered the colored acrylic powder by lfei which is $27 but comes with 24 colors would last you months!

You will also need to invest in professional grade polymer powder  and the monomer solution to activate the powder but it is sold as a set for about $25!

Finally, she picked up a UV lamp from Walmart for about $15.

If you are brave, patient and daring enough, you can do the same following these tips from Wiki How! Of if you are a more visual learner like I am, YouTube has tons of videos!

Here are two videos: Here and Here to guide you, though that second one is a bit extra (you’ll see if you check it out). And if you want to try the dipping powder DIY, this is a really good video here!

This is the drill she uses by MelodySusie for home salon use. It cost about $30! 

In the end, the total output is about $100 but when you consider the fact it costs between $40 to $75 to get them done professionally, normally, this is  a great investment!

Good luck! Please share your output with me Pinterest, Twitter, Facebook and Instagram at @Bellyitch!

Batman138 Bro138 Dolar138 Gas138 Gudang138 Hoki99 Ligaciputra Panen77 Zeus138 Kilat77 Planet88 Gaspol168 Sikat88 Rupiah138 Garuda138 Gacor77 Roma77 Sensa138 Panen138 Slot138 Gaco88 Elanggame Candy99 Cair77 Max7 Best188 Space77 Sky77 Luxury777 Maxwin138 Bosswin168 Cocol88 Slot5000 Babe138 Luxury138 Jet77 Bonanza138 Bos88 Aquaslot Taktik88 Lord88 Indobet Slot69 Paus138 Tiktok88 Panengg Bingo4d Stars77 77dragon Warung168 Receh88 Online138 Tambang88 Asia77 Klik4d Bdslot88 Gajah138 Bigwin138 Markas138 Yuk69 Emas168 Key4d Harta138  Gopek178 Imbaslot Imbajp Deluna4d Luxury333 Pentaslot Luxury111 Cair77 Gboslot Pandora188 Olxtoto Slotvip Eslot Kuy138 Imbagacor Bimabet