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Young Families and Travel: Top Tips to Share Your Adventurous Side with Your Kids

February 14, 2017 by admin

Sea Fun Seaside Family Summer Beach Mother

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With the average modern-day family having 2.4 children (basically, two kids!), life can be pretty hectic. Especially during your kids’ younger years if they’re very close in age, juggling the stresses of modern life in addition to looking after your children is likely to take up the majority of your time and money.

By the time children reach two years of age, parents spend an average of $12,500 per year. Therefore, traveling or taking family vacations are likely to be the last thing on your mind. But, if you yearn for adventure but feel held back by your kids, there’s no need to be! There are plenty of ways families can travel without earning a fortune; you just need to be sensible and follow the tips you’re about to read.

Budget and prioritize

When raising a family, your kids will always come first – and that’s totally normal. You should never prioritize traveling and vacations over your kids’ welfare, but there are plenty of other factors you can put aside to make saving more of a priority.

If you like to regularly go out for family meals, try planning meals at home and even encourage your kids to help out! Not only will this provide a perfect opportunity to save money, but will also get your kids involved too. Even if eating out isn’t your thing, there’s bound to be some form of luxury you and your family regularly do that isn’t wholly necessary – establish what your weakness is and come up with a cheaper alternative.

Many families also experience debt, especially if kids are born close together. If you’re victim of debt, it’s vital to accept it and take expert advice to help consolidate your debt as quickly as possible so you can fully focus on family travel.

Research deals

If money is still tight even after attempting to save, put some time aside to research vacation deals that suit your budget. The best way to identify whether something really is a good deal or not, is to figure out what the normal cost of your desired trip would cost. Then, if you spot a deal, you’ll know whether it’s worth taking or not!

Often, deals you may come across online aren’t all their cracked up to be so make sure you’re in-the-know before you hand over your money.

Be flexible

This may not be suitable for some families for obvious reasons but, when wanting to travel cheaply, being flexible is key. Typically, school holidays are the most expensive times to travel so, as long as you’re happy taking your kids out of school for the duration of your trip, you’re almost guaranteed to save serious money!

Just because you have kids, this doesn’t mean you have to say goodbye to vacations and traveling forever. As long as you’re sensible with any existing debt and do the right research, there are plenty of methods you can start using right away to book your cheapest trip yet.

Filed Under: Children, Travel Tagged With: family travel, family vacation, holiday, travel advice, travelling with kids

Master the Cash Class: Great Money Lessons Your Kids Will Never Forget

February 14, 2017 by admin

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Many of the lessons you learn in your formative years will often stay with you for the rest of your life, which is why it is so important to teach your kids about money so that they can become financially savvy adults.

Here are some insights and tips on the basics of financial management that you should be trying to instill within your child’s psyche from an early age. There is a look at the importance of teaching them financial lessons, ways to encourage a savings habit, and why what you do with money will shape their future habits.

No one wants to be financially illiterate

We are taught how to read and write at school as well as basic math skills but one thing that seems to be sadly lacking in the educational curriculum is some lessons on how to handle money when you are an adult.

The only way your children are going to find out about how bank accounts work, how to use credit cards and how to build a good credit profile, is if they find out for themselves or you take the trouble to teach them.

Teaching them early is the preferable option as it means that they have a better chance of avoiding some financial mistakes along the way as part of their learning curve.

There is a good chance that you have made some financial mistakes in your life that you learned from, so it makes a lot of sense to impart this wisdom to the next generation and give your kids the chance of a head start, by understanding what they are doing with their money from the get-go.

Get them into the savings habit

Starting kids off early with a piggy bank is a great way of teaching them the discipline of saving for something they want and understanding that you can’t always have everything straight away.

Most children feel really pleased with themselves when they see all those dollars they put away from gifts and doing chores, turn into a sizeable sum of money that is enough to buy what they have been saving up for.

Encourage your children from an early age to develop a savings habit and it there is a good chance that it will stick with them when they are adults.

Lead by example

Your children will learn a lot of their life skills from you and it is down to you to try and set a good example.

If your finances are a bit chaotic and you don’t often have any second thoughts about using your credit card to pay for meals out or the groceries, there is an increased risk that your children will copy this attitude and could result in them overspending and running into trouble.

If you have a stack of credit cards in your wallet, one solution could be to transfer all of your balances to one card to gain better control. Another good idea would be to try and show some restraint with your spending on these cards and talk to your kids about how interest rate charges work when you borrow money in this way and don’t pay it all back on the due date.

Money doesn’t grow on trees

How many times did you hear your parents say that to you?

The fundamental point to get across to your children is that money has to be earned and doesn’t just get given to them. If they grasp that concept and develop a healthy respect for money because they have had to earn it by doing some chores around the house, this can only be a good lesson for when they have to fend for themselves as an adult.

Sam Bentley has 3 kids; 2 sons and 1 daughter and he is intent on raising them to be honest, well-rounded individuals who can stand on their own 2 feet in life.

Filed Under: Children, Finance Tagged With: children, money, saving

Online Investment for Beginners

February 1, 2017 by admin

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Investing may appear like a daunting endeavour for someone who has never tried it before, but the decision to get started is the first step. Online platforms have simplified a lot of aspects of investing such that you can do it without the help of a financial advisor. Undoubtedly, it will be confusing trying to decide what kind of investment suits your goals and which ones to stay away from. Also, you must decide how much time you can dedicate to your online investments. Even though the internet offers the convenience of trading from anywhere at any time, you still need to monitor your investments carefully. A few other tips will keep you on the right track.

Plan

For any investment to work out, it must be guided by solid objectives. Don’t just start putting money in different assets, hoping that something will work out. For one, know your tolerance for risks before getting into online investing. How much are you willing to lose? Establishing goals gives you a blueprint for your other decisions. For example, you may be looking to get some extra cash for your child’s college fund. Or maybe you want to make the most of your retirement savings. With the knowledge of what your investments are supposed to achieve, it will be less challenging to pick the most suitable ones. When setting goals, be realistic and know where your limitations lie.

Make Use of Resources

The beauty of investing online is that there is so much education out there that you can capitalise on. Websites like Google, Yahoo and MSN, have comprehensive finance sections that will provide you with helpful information on just about everything. When you want to know how different markets are performing, you can find news articles online. Get an understanding of the basic concepts of trading online, so you know where to start. For example, learn about the different types of trades available from spread betting to stocks to CFDs. Some investments will require more effort than others, so be ready to put in some work.

Find an Online Broker

Investing online means working with a broker such as CMC Markets. However, before putting your money on any platform, be sure you are working with a legitimate business. Cases of fraudulent brokers have increased steadily with the use of online trading robots. To avoid falling into a scam, ensure that the online broker you pick has a license from an authoritative financial regulation body. For example, if you are using a broker based in Europe, check for FCA or CYSEC licensing. Research an online broker thoroughly and get unbiased opinions before you start using its services. Also, find out if there are complaints against the broker you intend to use.

Practice with Fake Money

For a complete novice in investing, don’t begin using online platforms with real money. Be confident that you know how a particular tool operates first before using your hard earned money. You can find investment simulators online, which will help you practice a few strategies first. Some trading applications also have demo accounts, which are useful for training purposes. A dry run will help you gauge the functionality of a trading tool, its withdrawal and deposit methods, among other features.

Diversify

It’s a mistake to put all your money in one investment, especially if you are starting out. Even when an asset seems like a sure thing, you cannot be unequivocally certain there is no risk. With money in different instruments, you divide the risks such that when one fails, you still have another one. However, don’t have too many fingers in too many investment jars that it becomes impossible to keep up. For a beginner, two assets are a good place to start after which, you can expand your horizons with experience.

Protect Your Information

One threat that comes with using online platforms is compromised security. Computer systems face several risks such as hacking, ransomware and malicious attacks. When investing, a lot of data is transacted, and that information can be damaging if stolen or lost. Before you start depositing money into a brokerage account, ensure that your system has all the necessary protections to keep all thOnline Investment for Beginnerse details safe. Invest in robust firewalls, antivirus and data redundancy measures. Check your computer regularly to guarantee that safety protocols are always activated and up to date.

Filed Under: Finance Tagged With: currency, forex, forex trading, investment, online investment, stocks, trading

Watches to Watch Out For: Spotting Future Collectibles

February 1, 2017 by admin

Expanding your watch collection with every fascinating new make and model hitting the market is all well and good, but can you really classify any of them as‘collectible’ watches? It’s always a delight for horology-lovers to collect timepieces, but let’s get one thing straight –a sought-after current model does not a collectible make.

Anything current, merely by virtue of being in production and circulation as of today, is not a collectible. Yes, it may be a worthy pursuit of collection, but don’t mistake buying a new model as an investment on a ‘collectible’. At best, you’re putting your money on a prediction of what may some day –in the distant future—become a collectible. In your possession, today, it is simply a good watch with collectible potential. A collectible, in it’s truest sense, is a thing of the past. And no, that doesn’t mean any old model from bygone years can make the cut –the coveted collectible tag isn’t dolled out quite so freely. So what types of watches typically make the cut? To find out, you have to check out collections for brands such as Rolex and Omega watches at Ethos Watch Boutiques. For more, read on!

Mass production models worth their salt

Rarity might make for the most compelling argument for a collectible, but let’s not forget classical favourites that sell like hotcakes, but still retain that special ‘collectible’ factor. Just like the chequered Luis Vuitton bag is the pinnacle of high-fashion must-haves, the world of horology isn’t without its popular icons.

Take your Rolex Submariner, for example. Rolex watches are popularly known to manufacture up to a million watches a year –but we don’t see that taking away from the brand’s unmatched collectible appeal, do we? After all, can you even dare to call any watch collection complete without a Rolex? I think not! Case in point, high production yet classic models like the Submariner or the Omega Speedmaster are the exception to the rarity rule of collectibles. And you can easily find these online with

Bespoke models

How would you like to get your hands on a watchespecially commissioned for royalty, nobility, or even your favourite pop legends? Among others, a host of Cartier watches have been commissioned especially for royalty and nobility across the globe. A sure-shot way to know a watch is worthy of the collectible title is if it’s a one-off model created especially for somebody.Frankly, it doesn’t matter whether it’s for the blue-blooded ora real estate mogul willing to pay top dollar for a bespoke model –it’s the exclusivity that counts.

If someone goes that extra mile to commission a special ticker, you know it’s probably going to earn itself a respectable place in the history books of collectibles. But remember, the brand also weighs in a lot here. If it’s a renowned luxury brand, you can bet your bottom dollar it’s going to be a collectible someday.

https://www.ethoswatches.com/brands/cartier.html

Exorbitantly priced, even for their stature

We know most watches worth collecting are already a cut above all else, especially in terms of pricing. But then every once in a while, along comes a ticker that’s way too ambitiously priced, even for its likes. But a closer look at the technology, design and materials will easily justify a steep price tag. The more complex the engineering and impeccable the aesthetics, the higher the cost of production. Some of the most interesting and innovative watches carry price tags typically beyond customer expectations –but therein lies the trick to spotting a future collectible. And more often than not, such pieces usually don’t fare well in the market, thanks to their high values. The result? They’re either pulled out of the market, or produced in low quantities. Either way, you’ve found yourself the necessary markers for a stellar future collectible–low production andhigh on innovation and technology.

Low production models

Yes,  here is the rare exception, as we’ve looked at already, but I cannot stress enough the importance of ‘rarity’ in collecting. In fact, rarity applies virtually to anything and everything that can be called a collectible. The Mona Lisa wouldn’t be quite so significant if Da Vinci had decided to make a billion copies now, would it? Okay, maybe that’s pushing the envelope a bit too far, but you get the point!

Rarity is crucial to collecting –so most low production watches that are otherwise quality models, will most likely become collectible-worthy in the future. Whether it’s the complex nature of production, bespoke limited edition collections by the likes of Breitling or Hublot, or simply poor marketing or receptivity at the time of launch, low production models can one day redeem their true glory. And if you keep an eye out for such distinctive luxury watches at Ethos Watch Boutiques, you may very well be in possession of a collectible in the near future.

https://www.ethoswatches.com/brands/breitling.html

Underwhelming market success

Just because a quality timepiece didn’t make it big in the market doesn’t mean it’s not top class. Sometimes, audiences just aren’t ready. Poor marketing can also be the cause for low retail success. Whatever the reason, great timepieces are often called out of the market by premier brands. Call me opportunistic, but this means low production and exclusive numbers –just the right ingredients for a future collectible! You can be sure that at some point, someone would unearth such a model and realise it for its true value –and that could very well be you, now that you know what to lookout for!

Filed Under: Fashion Tagged With: Breitling, Collectables, Hublot, Omega, Rolex, time piece, watches

Changing the Clock: How to Help Your Baby Prepare for a Difference in Time Zones

February 1, 2017 by admin

baby-in-the-suitcase

With one in four families not taking vacations because they’re worried about stress and any issues that could arise, it would make sense to assume that jet lag symptoms are one of the primary reasons for this.

However, with only one in four families choosing to avoid vacations, that leaves three in four still opting to travel. Therefore, plenty of babies are likely to suffer from jet lag just as much as the rest of the family. So, if you have a baby and planning a family trip abroad, it’s essential to prepare your baby as much as possible for any time differences they may experience. Read on to discover how to make time adjustments a whole lot easier for both you and your baby.

Make your first day all about your baby

When you first arrive at your new destination, the only thing likely to be on your mind is exploring your new surroundings and getting stuck in with the fun activities on offer. But you might have to delay all that, as a great way to establish the most appropriate schedule for your baby is to make the first day all about your baby.

Slowly integrate them into your new place to help them become accommodated to their surroundings and become comfortable. Then, you can use this time to analyze their behavior and establish a new sleeping schedule that suits both their temperament and your new time zone. Once you’ve come up with the best routine possible, it’s vital to keep things consistent so you don’t confuse your baby.

Plan ahead

In addition to adapting your schedule when you arrive, it’s essential to get things started before you even go. Investigate what your new time zone will entail, and shift your baby’s routine to suit this at least a few days before you’re set to travel. This way, your baby’s schedule will already be tailored to your new time zone before you even get there, and is likely to make the whole adjustment period easier for everyone.

But, when doing this, it’s essential to adjust your baby’s schedule in small increments as opposed to all at once. Keeping your chosen increments consistent is vital, so utilizing the innovative features of this Android alarm clock app is guaranteed to keep your timings consistent and on-track.

Keep your baby active

Engaging your baby with fun activities in the fresh air is a sure-fire way to increase the likelihood of your baby sleeping when the time comes. Occupying your baby during the day will induce sleepiness – an active baby almost always ends up a tired baby!

Jet lag and time changes can be difficult for everyone of all ages but, for babies who are too young to understand what’s going on, it can wreak havoc on their routines. Therefore, to ensure your trip is as fun as possible, preparing beforehand and accommodating your baby’s new routine straight away are sure-fire methods for a hassle-free vacation.

Victoria Norris is an Army Wife who is completely used to the lifestyle after being raised an Army ‘Brat’ too! She is a Mother to a 6-month-old and a 6-year-old and enjoys showing her kids the cultures of the world.

Filed Under: Children, Travel Tagged With: baby travel, family travel, travel advice, travel with kids, vacation holidy

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We left our home in Sydney, Australia many moons ago in May 2012 and, other than a brief stint back in Perth for Christmas and a wedding in early 2014, we have been travelling the world nomadically ever since, running a business from our laptops and we’re here to show you how to do it!