Is Your Exercise Causing Good or Bad Pain?

“No pain, no gain” is a famous mantra in the fitness community, but it’s important to know where to draw the line. A little soreness usually means that you’re pushing yourself and building muscle, but not all pain comes with positive results. In fact, if you don’t know how to recognize bad pain, you could be causing potentially serious injuries.

Read on to learn the difference between good and bad pain so you can feel empowered to push yourself to the limit, without crossing the threshold into harmful territories.

Why Do You Get Sore During and After Exercise?

In order to recognize good pain, you need to know why it happens in the first place. Soreness is usually caused by delayed onset muscle soreness (DOMS). This phenomenon is completely normal and usually occurs between 24 and 48 hours after strenuous physical activity, according to WebMD.

While you exercise, your muscles contract, causing microscopic tears in your muscles, as well as inflammation associated with these minor injuries. The soreness you feel after an intense workout is actually your muscles being repaired and growing back even stronger. However, if the pain is severe or lasts for more than a few days, there may be a more serious underlying injury.

How to Recognize Bad Pain

pain and exercise

It’s important that you’re able to recognize when bad pain occurs. That way you can seek treatment, adjust your workout routine, and consider pre-and-post workout supplements that empower your body to heal faster. As a general rule of thumb, when you feel pain, it’s a good idea to back off and allow yourself to heal. This is especially important if the pain is caused by an injury.

Typically, good pain isn’t focused in one specific area, but spread out. For example, it’s normal for your legs to be aching after climbing a large flight of stairs, but if just your right ankle is in pain, that’s a sign of a strain or other injury. An immediate jolt of pain is also a bad sign, as good pain tends to manifest slowly over time. If you feel sudden pain, you should stop what you’re doing immediately.

Good pain can be unpleasant, but it’s usually fairly mild and tolerable. If the pain is overwhelming, it’s probably not caused by delayed onset muscle soreness. Shooting pain and numbness may also be signs of an injury. You should also pay especially close attention to pain in the joints, especially the shoulders, knees, and ankles.

Embrace Proper Techniques

No matter how much exercise you do in a week, it’s crucial that you take the time to learn proper techniques. Once you develop bad habits, it’s difficult to break them, so be vigilant. Make sure you always stretch and warm up before a session, and then give yourself plenty of time to cool down and rest afterward. Nourishing your body with proper nutrition between your workouts will also help in muscle recovery and reducing discomfort.

If you feel like you’re performing exercises correctly, you may want to talk to a professional trainer for advice and guidance. The potential risks just aren’t worth the rewards. Once you know that you’re exercising properly, you’ll feel much more confident and inspired to push yourself.

How to Treat Bad Pain

exercise pain

There’s no single best method for treating a sports injury. Everyone’s body is unique, and injuries can take countless forms. In most cases of mild injuries, simply taking a break for a few days and resting up should have you feeling better. That said, even a minor injury can lead to complications, so be sure to speak to your healthcare provider if you’re concerned.

If simply relaxing isn’t cutting it, you may want to try the PRICE method:

  • Protection
  • Rest
  • Ice
  • Compression
  • Elevation

PRICE is pretty self-explanatory. You’ll want to protect the injury with a bandage, cast, or splint, stop using it, apply ice every few hours, wrap it (snug but not too tight), and keep the injured area lifted, if possible. Be sure to talk to your doctor about pain relief options if you’re struggling with pain management.

Once the injury has subsided, you may require rehabilitation. Harvard Health Publishing recommends two days of rehab for each day of inactivity due to injury. During the rehabilitation phase, your injury may be vulnerable, so it’s critical that you only perform the proper rehab exercises recommended by a qualified professional.

Prevention Is the Key to Sustainable Exercise

There’s no denying the many physical and mental health benefits of exercise. At the same time, even a minor injury can cause major complications. One injury can lead to another, causing a snowball effect that can be tough to overcome. The best approach is to prevent injuries from happening in the first place.

Be mindful before, during, and after each session. Over time, you’ll become more in tune with your body and how it reacts to various levels and styles of exercise. When in doubt, tap out! An extra five minutes isn’t worth months or even years of pain. Work smart so you can work hard. That’s how you keep your active lifestyle sustainable.

If you have ongoing joint pain or are dealing with arthritis, osteoporosis or other health concerns, be sure to check with your primary care doctor with any concerns prior to starting a new workout routine.

The post Is Your Exercise Causing Good or Bad Pain? appeared first on Dumb Little Man.

The Mistakes Smart Guys Make With Women

There are a lot of smart guys out there. They’re successful with good educations and stable jobs, and they also respect women. They’re just overall good guys. Yet even these men seem to be able to mess up relationships with women repeatedly and with such ease that it makes it almost seem deliberate. Why is that?

It seems like an age-old story, right? Guy meets girl, guy and girl have a connection, guy immediately (and then ever after) puts his foot in his mouth, does something insensitive, or any number of other things that suddenly makes the connection tenuous and creates strife. As it turns out, there are some specific reasons for this and very common mistakes that even the smartest men tend to make.

Why Men Make Mistakes So Often

mistakes in relationships by men

Men and women are different. Duh, right? I mean, that’s why relationships are fun and exciting – while also confusing and frustrating. One of the biggest differences between men and women, however, is their emotional intelligence quotient (EQ). Women simply tend to score higher.

Emotional intelligence is not synonymous with being emotional. What it is, really, is how we  manage our relationships with others and relate with them. EQ, in its actual definition, refers to emotional and social capacities that cumulatively demonstrate how efficient we’re able to:

  • Perceive and convey our feelings
  • Grow and sustain our social connections
  • Deal with hardships, stress, and make decisions
  • Utilize emotional information in an effectual and relevant manner

What this means is that someone with a high EQ is not only in-tune with their own emotions, but can recognize and effectively respond to the emotional state of others. This is an area where women typically outdo men.

Having a higher EQ can be a benefit in many areas, not just relationships. But when it comes to relationships, being able to see, understand, and respond to emotions and the non-verbal cues related to emotion can prove to be crucial. Without this skill (ahem…guys are you listening?) you can make big, insensitive mistakes and mess up a good thing.

The Big Five

mistakes in relationships

Okay, we know even smart guys make dumb mistakes with women. And not all of these mistakes are the same, but here are a few that seem to be fairly universal.

Trying to control everything

This is a big one and most of us have been guilty of it. We can blame society, stereotypes, or our parents, but men are generally taught they need to be strong and in charge. Control issues for men can show up anywhere from making plans for the two of you without consulting her, to trying to “fix” every problem or dilemma she encounters.

Women aren’t fond of being treated like subordinates, which is what you may be unconsciously doing if you try to take charge of everything. Remember, she’s your equal; she may even be smarter than you, and a relationship is a partnership.

You fail to consider her feelings (or simply ignore them)

If you pay attention and listen, most women will tell you (or show you) how they feel. Not acknowledging these feelings and responding appropriately can leave you in a bad spot. Because women are generally more in-tune with emotions they want them to be recognized and understood. It makes them feel closer to you and safe in your relationship. And guess what? It’s good for you too.

You don’t express your own feelings

Yep, she expresses hers and she wants to hear yours too. The tendencies toward one-word answers, holding things in, and trying to be “strong” that many men do can leave your lady feeling uncared for and in the dark. Just like Billy Joel advises, “tell her about it, let her know just how you feel.” This includes when you’re feeling hurt, scared, or insecure.

You ASSume

This may rival being controlling as one of the largest mistakes. Never assume anything (pretty good advice in general). You can’t read her mind and she can’t read yours. You must establish good communication if you want things to be strong and healthy between the two of you.

You don’t make her feel valued

Although the need to feel valued isn’t just a girl thing (we need it too), typically, women are much better at making us feel valued than we are at making them feel valued. Men are notorious for taking the love, affection, and small things that the women we love do for us for granted. Find a way on a regular basis to let her know how much you appreciate her.

While smart men do often make dumb mistakes with women and their relationships, it should be noted that women can be equally as guilty at times. I, by no means, don’t want to insinuate that men are knuckle-dragging morons that can’t treat women properly. Or that women are universally angelic and never at fault.

The fact is that relationships are tough at times and both genders are capable of making dumb mistakes. The blunders of men often just happen sooner and are more immediately obvious.

The post The Mistakes Smart Guys Make With Women appeared first on Dumb Little Man.

10 Tips to Use YouTube to Market Your Business

Since its introduction in 2005, YouTube has become an indispensable marketing tool for every business. With more than one billion users, YouTube is definitely not a platform to ignore if you want to grow your business.

It has enabled more than 50 million content creators to showcase their content through interesting videos everyday and reach a global audience. YouTube supports video marketing, therefore, expands social reach of your business, builds traffic and enhances your online existence.

Entertaining your viewers while promoting your brand might sound challenging, but with the right approach it is totally doable. Creating intriguing videos with valuable content can keep your viewers engaged. Get your YouTube channel noticed with fascinating images and interesting titles. Remember, symbols can establish your channel’s identity.

Creating an alluring YouTube logo is essential to express your brand’s personality and attract viewers. A highly creative logo maker is the right person to contact to add charm to your YouTube channel and make it stand out from the crowd.

By the time you finish this 10 step-by-step guide to market your business on YouTube, you’ll surely have a clear idea and detailed understanding of the facts you need to know to reflect your brand on YouTube. Let’s get started.

Creation & Customization of Your YouTube Channel

Once you create a YouTube channel, customize the background banner and icon. Use high-resolution images that create a strong impact and convey the message to your audience. To ensure a good impression and global recognition of your brand, it’s essential to have a professional logo. You can either create your own brand logo using a logo creator or hire a professional who’ll do that for you.

Don’t shy away from writing a channel description in the ‘About’ section. It helps your audience understand your business, offerings, and mission. Don’t forget to include links of your company’s website and social media pages on the videos and in the descriptions, too. Also, invite new and potential viewers to follow you on social media platforms.

Uploading a Trailer

It’s worth spending some time in creating an impressive trailer for your YouTube channel. Because that gives you an opportunity to engage with your audience with superb content, convincing them to subscribe to your channel.

The ideal duration of a YouTube channel is 1-2 minutes. Hence, you need to ensure that the preview is short yet informative. It’s also important that it captivates your audience in the first five seconds. With the concept of ‘show, don’t tell’, you can encourage your audience to subscribe to your channel and leave comments.

Work with an Influencer

promote your business using youtube

You’ve created your YouTube channel and you’re done with the customization but your brand is still not getting the exposure it deserves? If this is so, working with an influencer is the best step to take for your brand to achieve global recognition.

Get in touch with an influencer relevant to your niche and send them some free samples so that they can try your products. Make sure that you let them know the pros of the products. This enables them share the information with their followers, who might be your relevant audience.

Ask the influencer to share images of the product and even highlight its benefits, which can help in catching the attention of social media followers. Working with an influencer can, therefore, engage new target audience, build trust, and improve search ranking of your channel.

Researching Keywords

Research, find, and implement the keywords relevant to your niche and reach your target audience with ease. Putting researched applicable keywords in your video title, as well as in the description and tags, is a smart approach towards enhancement of the channel’s visibility. Keywords in place tells the search engine what the content of the video is and lets people searching for videos related to your business find you.

Channel Optimization

Don’t hesitate to browse your competitor’s YouTube channels to find out what kind of titles and meta tags they are using. Now try and execute the researched keywords into Google AdWords. Choose the right video format and examine the results.

Integration of your YouTube Channel with Social Media

You have amazing content on your YouTube channel. But delivering it right to your potential subscribers might be difficult. But with social media you can do that easily. In today’s time, it’s an effective and a handy video marketing platform to help expand your reach, create brand awareness, and improve your ROI.

Above all, make sure you have an active presence on social networking sites like Facebook, Twitter, LinkedIn, and Instagram. Creating unique videos and posting them on social networking sites is the key to increase the number of subscribers of your YouTube channel. Moreover, encourage your viewers to share the published videos on social media.

Video Creation and Optimization

use youtube to promote your business

The best part about creating YouTube videos is that they don’t have to be expensive and also save the expense of hiring a professional. Having a smart phone is enough to film interesting videos and create sharable content. But make sure you have a good amount of lighting and better sound quality to leave your viewers with a pleasant experience.

After you have created and posted the video on your channel, then comes the optimization part for SEO ranking. To do so, select a catchy title (less than 70 words) and use keywords relevant for your business. This will help in getting more views for your content.

Have Testimonials

Remember YouTube is one of the most preferred platforms for marketing that’s visited by billions of people every day. And leaving a mark on the minds of the viewers becomes quite challenging in today’s competitive world. One of the effective tricks is to include testimonials from your existing customers on your YouTube channel to build a solid reputation and gain the confidence of viewers.

Include YouTube Advertising

YouTube advertising is the best platform to get connected with your audience. When you opt for this, you can expect to have an extra exposure of your brand that ensures personal brand building, customer retention, and more subscribers to your YouTube channel. Moreover, YouTube advertising keeps the video entertaining and hyper-targeted.

Understand Your Audience

If you have a business YouTube channel, you have access to the Analytics tab. It gives you a statistics of your channel’s insights and the behavior of your audience. Moreover, you can have the count of the viewers, average watch time, rate of videos and last but not least, generation of revenues. This step is a confidence-booster and definitely helps you reach the right audience.

To Sum Up

Marketing your business on YouTube is a learning process. The more you create videos, the more you’ll get better in content creation and filming. Analysis of the viewers can help you refine your style, improve keyword usage, and understand the left out points that might increase your subscribers, resulting in the growth of your business.

So, keep posting unique content and make visitors stay tuned to your channel!

The post 10 Tips to Use YouTube to Market Your Business appeared first on Dumb Little Man.

10 Must-Have WordPress Plugins for your Student Blog

If you are in the learning industry, you’re probably looking forward to using your website to organize your teaching materials. WordPress offers various plugins to assist you to build, sell subject lessons, or turn your page into an education hub.

The plugins help you customize multiple aspects of your website that are important in your lesson management. They can also be used to put in various elements on your webpage to improve its overall performance. Plugins can enhance your website’s operation usability and accessibility. Here are numerous WordPress plugins that you can use to enhance your student blog.

Learn Press

learn press
Via wordpress.org

Learn Press helps you to develop free or paid lessons through Stripe and WooCommerce incorporated. This plugin enables you to develop a powerful module administrative system with WordPress. Thus, you can access the details pertaining to how your users are utilizing your materials.

It allows you to outline various sections for questions and lessons for each segment. Furthermore, the full-screen editor can also help you set enrollment numbers, session duration, plan for retakes, and present the lesson prerequisite. The tool can also be used to upload student’s assignments for grading, bring in multiple instructions, and assign progress points for each and every task you have.

Learn Dash

This is another incredible all-around administrative plugin that can help you create various learning sessions and questions. This tool can help you produce mobile adaptive information so that students can access classes using their mobile phones. You can use it to create questions via videos, images, or audios. You can also schedule the course session’s time using this plugin.

It gives your users a chance to either pay per course or through subscription. The quizzes also have a built-in feature that gives certificates based on performance and even provides a scoreboard for top students. Its analytical feature gives you a breakdown of the individual student’s performance. Aside from that, this plugin also allows you to set prerequisite conditions for your students to be accomplished prior to proceeding to the next lesson.

Buddy Press

For those who wish to create a virtual community in their educational pages, they can opt for the Buddy Press plugin. This plugin enables WordPress site members to register, make social connections, create profiles, communicate, and interrelate with other members of the group.

If you are offering various courses, this plugin allows you to separate students belonging to different groups based on their levels. The students can, thus, easily access help from their peers if need be. Besides, it also adds interactivity to your website.

Badge OS

Do you wish to add some game mechanics in a classroom online journal to increase participation? The Badge OS is an ideal plugin that gives away award badges to your students after completing assignments successfully. It’s a great way to boost the learning process to motivate students to complete tasks on time.

This plugin can help you create assignments, award points, and display leaderboards for top students. The plugin also has additional features where you can create various learning groups or exhibit a visual progress map that indicates goals accomplishments. Furthermore, you can create a pop-up congratulation menu after the student achieved a set objective.

Sensei

sensei wp
Via wpmayor.com

Sensei enables you to register students, charge for lessons, and use your WordPress dash to set preliminary conditions. Additionally, it can also help you gauge your students’ individual performances as this plugin can give you an analysis of individuals undertaking your class based on their performance. You can even produce and sell your educational lessons as an independent contractor at WooCommerce incorporated.

You can use several extensions to enhance the overall plugin features like the ability to produce certificates upon course completion, attach files, or aid in scores sharing through social media platforms.

WP Courseware

It’s a complete education control system that can help you produce lessons, offer multimedia sessions or online quizzes, and conduct surveys. After students turn in their assignments, you can leave written feedback to help them improve their performance better. It has a drag-and-drop function to help you create logically engaging lessons. It can also help you create questions with limited retake chances and time deadlines.

With this tool, you can also make open-ended or multiple-choice questions and upload files to accompany your instructions. It also helps develop an educational program to help you switch between lessons swiftly and also enables you to monitor course progress. Furthermore, this plugin can help generate modules and course completion certificates.

Questions and Answers

This WordPress plugin can help you develop joint study conventions and knowledge base lessons to help your students interact better. It also allows you to create a single panel for each specific discipline and offers an excellent exam delivery where students can send in their private attachments.

It also comes with other excellent features such as personalized email notifications, student progress tracker, and educational programs. Furthermore, it helps you create varying question types, be it true and false, multiple-choice, or open-ended questions. This plugin also allows your students to upload a file as their answer.

LifterLMS

LifterLMS offers you an opportunity to produce, sell, and protect your lessons online. It helps develop media-enhanced content that contains audio, video, and texts to cater to a wider variety of learning styles.

Furthermore, this plugin features a shopping cart component that allows you to sell your courses. It also has gamification, which improves students’ engagement, automatic email integration, and analytics to track course progress.

StudyPress

StudyPress can help you produce an interactive media teaching blog that you can post in your WordPress site in slides form. It allows you to come up with unlimited lesson ideas. This plugin can also be used to integrate additional elements to help you add quizzes, access automatic grading, and student ratings in different tests or lessons.

CM Video Lesson Manager

The plugin helps manage YouTube or Vimeo video courses displayed on your WordPress site. With this plugin tool, you can be able to charge users viewership on various content in a limited time. Also, this plugin allows both users and administrators to take notes, mark favorites, and track progress. With the pro version, you can access additional features like students’ notes and payment options. You can also view the individual students’ progress reports and share their level of individual advancement to them.

Conclusion

You will find numerous WordPress plugins in the market today for anyone who wishes to create students’ blogs. Remember to do further research before choosing the WordPress plugins you will use to help meet your goals for your student blog. For greater functionality, you can opt for pro versions. You can try one or a few of the plugins mentioned above to enhance your site and engage your learners.

The post 10 Must-Have WordPress Plugins for your Student Blog appeared first on Dumb Little Man.

How to Save Money as a New Parent

Having a baby can end up being an unexpectedly heavy drain on your finances. If you’re in the US, you’ll likely have to spend between $7,000 to $14,600 annually in your newborn’s first 2 years of life.

For your ease, here is a step-by-step guide to saving money when you have a baby, which covers everything from the actual hospital stay to buying baby clothes, food, and more.

Saving at the Hospital

Pass up on a private room

Private rooms are usually substantially more expensive than a two-person room. You’ll likely only be staying at the hospital for a little while anyway, and with staff and nurses popping in every few hours, you probably wouldn’t have a lot of privacy either way.

Watch out for Hidden Charges

In-hospital stays are riddled with hidden charges that can pile up. Simple things such as turning on the television set and even skin-to-skin contact right after birth can end up going on your final bill. Make sure to watch out for hidden costs ahead of time.

Ask for coupons and samples

Companies dole out a lot of freebies and promotional discounts to maternity wards, but nurses and staff are often too busy to give them out to patients unless they specifically ask for them. You can get samples and coupons for all kinds of baby-related items such as lotions, baby wash, diapers, etc. Just make sure you ask a nurse about any free samples or discount vouchers the hospital might have.

Take the Toiletries

You can often keep some baby-care items from your hospital stays, such as diapers, swaddling clothes, alcohol swabs, disposable nipples for bottles, a thermometer, and more. Make sure to ask a staff member before pocketing them.

Breastfeeding on a Budget

how to save money with a baby by breastfeeding

Try to opt for Breastfeeding

According to the American Academy of Pediatrics (AAP), breastfeeding for the first six months is beneficial for both mothers and infants. Even after that (for the first year or even longer), ongoing breastfeeding is advised alongside appropriate food. Aside from its health benefits, breastfeeding will also enable you to save a great deal of money – roughly $1,400 in your baby’s first year – by going without formula milk and other baby food.

Breastfeeding Advice

Breastfeeding can be quite challenging, especially when it’s your first child and you don’t have the benefit of a previous experience. Lactation consultants and doctor’s visits, if needed, can be quite costly. So, try to find helpful resources in advance. Free nursing hotlines and local breastfeeding organizations can help you out by giving professional advice at little or no cost.

Try Borrowing a Breast Pump

Purchasing an electric breast pump doesn’t come cheap. It can be unnecessarily costly especially for an item that you won’t need for a long time. With this in mind, you can ask around to check if a relative or a friend can lend you theirs. Hygiene-wise, it’s only the plastic attachments that must not be shared with others. Fortunately, a starter kit is available for less than $45.

Tips to Save on Your Breastfeeding Wardrobe

Similarly to breast pumps, buying an entire nursing wardrobe will not be cost-effective in the long run. Luckily, you can save your bucks with these tips:

Spend the first few weeks of having a baby to make sure you’re committed to breastfeeding. You might run into unexpected hurdles, and testing it out first will ensure that your money doesn’t go to waste if you decide otherwise.

Try to utilize sales, coupon codes, and promotional discounts when buying nursing clothes and bras.

If you have to go to a more formal event, try to see if you can borrow a nursing-friendly dress from a friend or a neighbor. Formal outfits are quite expensive, and the cost is not worth it for something you won’t wear a lot.

Cost-Cutting on Clothes

how to save money with baby clothes

Buy Big

Newborns can have sudden growth spurts, so beware of buying clothes that fit too snugly, as you’ll probably have to chuck them out very soon. Also, don’t fall into the trap of buying seasonal clothing, such as coats, too far in advance, since you might fail to anticipate the rate of your child’s growth by the time they actually have to wear the items.

Go for Plain White Onesies

Onesies don’t have to be very fancy since you’ll end up layering them under other clothes anyway, and the white color will allow you to bleach them when they inevitably get stained. The same goes for other underclothes and socks.

Stay Away from Gendered Clothing

Aside from coming across as a bit tacky these days, gendered clothing runs the risk of not being reusable if you end up having another baby of the opposite sex. Try to go for more gender-neutral colors such as yellow or green instead of just having blue or pink clothing.

Take Advantage of Sales and Coupons

The risks of staining and outgrowing greatly reduce the viability of baby clothes. As long as the fabric and fit are comfortable, try not to focus too much on the design and patterns of your child’s clothing, especially for items that they will wear at home. With comfort being your top priority, other cost-effective methods such as sales and coupons codes for baby clothes is a great way to save money.

Don’t Stress Over Shoes

Buying too much baby footwear is an unnecessary expense since babies will outgrow their shoes very quickly. And with newborns’ characteristic disdain for shoes, you’ll only end up using them when they’re outdoors. Even then, soft booties are a cheaper and more comfortable alternative for keeping your toddler’s feet warm when they’re outside.

Go Thrifting for Fancier Clothes

Thrifting is a great way to save on buying fancy dresses for your children, such as princess dresses or suits. Luckily, most pre-owned items that fall into that category will be in a near-perfect state, aside from being less costly, since the previous owner probably only used them once or twice at most.

Saving on Furniture and Accessories

Look for Multipurpose Furniture

There is a variety of innovative multipurpose items in the market that you can opt for to save money when buying baby items, such as cribs that can be transformed into toddler beds, regular chairs that can be converted to booster seats, and so on. Buying two items for the price of one is a no-brainer when it comes to cost-cutting.

Be Quick When Returning Gifts

What with baby showers and relatives coming over to see the baby, you’ll soon have a pile of gifts you won’t need. Retailers often put time limits on returns and exchanges, so make sure you get a refund or an exchange in time.

Beware of Buying Useless Fluff

There are several other baby items that are actually unimportant. Crib pillows, for instance, won’t have any use since they have to be removed from the crib for safety purposes. Putting pillows in the crib with your child can be a SIDS hazard and, thus, must be avoided.

Only Buy a Few Bottles

Babies are sometimes selective about what kind of bottle you give them, so buying dozens of the same kind in advance can backfire if your newborn ends up not liking them. Experiment with a few bottles and then buy more of the kind your child takes to.

Make a Virtual Photo Album

In these days of advanced technology, printing out dozens of baby pictures is a rather redundant exercise. Making a virtual photo album is as easy as making a Google Drive of your baby pics and sharing the link with friends and family. There are also a number of websites such as kodakgallery.com, where you can post pictures that you and your relatives can then print out for a small fee.

Bulk Up on Diapers

You’ll run through packets upon packets of diapers much faster than you might think. Buying in bulk from wholesale markets will save you the hassle of going to the market every time you run out and will allow you to save around $170 a year. Bulk items are also often eligible for discounts and coupons, so you might be able to save even more.

Do Your Research When Buying a Stroller

A stroller is an absolutely essential purchase, but it can also be one of the most costly ones. Look up reviews and test a stroller out yourself before fully committing to one.

Look Out For Free Local Classes for Your Child

Classes for subjects such as music and art can be costly. Before enrolling your child into one, take a look at your local library or community centers, and see what they have to offer. Libraries often have free regular storytelling sessions for children. You can also find other classes and activities for free or a lower cost as well.

Keep an Emergency Diaper Bag in Your Car

Make sure it contains diapers, ointment, baby wipes, an extra outfit, and some food if your baby is teething. If you end up forgetting your baby bag on an outing, you won’t have to rush to buy everything in an emergency.

Healthcare Savings

Ask your pediatrician for free product samples

Doctors get free samples all the time for helpful products such as ointment or formula. Make sure to remind your pediatrician if she has any of them that you can take.

Don’t Rush to the Doctor Over Small Issues

It’s easy to panic when your baby isn’t well, but not every issue requires a doctor visit. An experienced doctor may be able to give the diagnosis and recommend treatment right over the phone, saving you a substantial amount of money and the hassle of a visit.

Don’t Buy an Ear Thermometer

Digital oral or rectal thermometers are more accurate than ear thermometers, so make sure to ask your doctor for what they recommend before buying one.

Feeding on a Budget

Utilize Free Samples and Coupons

Hold on to any samples or coupons you get for baby food or formula milk with your other purchases. A lot of baby stuff often includes freebies or coupons, so keep an eye out for those while you’re shopping for your child.

Sign up for Baby-Food Company Newsletters

Signing up for newsletters will give you access to exclusive discounts and coupon codes that you can use to save money. Some stores also have baby clubs where you’re eligible for a discount after you’ve spent a certain amount.

Make Baby Food Yourself

how to save money with a baby by making baby food

Once your baby starts eating, preparing some or all of their food yourself will be both healthy for the baby and easy on your pocket. Baby food is also incredibly easy to make. Look online for easy baby food recipes and you can save yourself a lot of money in the long run.

The post How to Save Money as a New Parent appeared first on Dumb Little Man.

How Much Screen Time is Enough?

In the 21st century, it’s unlikely you aren’t addicted to technology. Although our reliance on technology serves many benefits, it can also present risks. In the digital era, it’s no secret we need screens, but how much screen time is enough?

Are Kids More At Risk?

how screen time is too much

Too much screen time can collapse into developmental delays, depression, and prevent you from developing social skills.

For example, children under 2 years old who regularly watch at least 1 hour of television daily have been found to show an increased risk of cognitive, language, and motor delays. Additionally, children between 2 and 6 who commonly use screens may be more likely to develop emotional problems and experience family dysfunction. Even further, teens aged 13-18 and young adults aged 19-32 who spend long periods on social media exhibits higher rates of depression – and even a higher risk of suicide.

The Solution: Official Recommendations

As more knowledge on the dangers of prolonged screen time becomes available, the more parents worry. Today, 85% of parents are worried about the amount of time their kids spend online. To remedy, the American Academy of Pediatrics (AAP), WHO, and CDC have all given insights.

For children under 6 years old, the American Academy of Pediatrics suggests a 1-hour limit. On the contrary, WHO and CDC give children under 18 years old more leeway, recommending 2 hours or less of screen time.

Many experts have weighed in on the matter as well. Jocelyn Brewer, a psychologist who specializes in the concept of digital nutrition, believes, “It’s not just about whether you consume any potential digital junk foods, but also your relationship to technology and the role it plays in your family life…. We want to avoid using screens to placate tantrums, just like we want to avoid eating ‘treats’ to calm emotional storms.” However, not all screens are all equal as they also provide a fleet of benefits.

The Need For Screens

too much screen time

As previously stated, screen time can create many positive outcomes. For example, technology can assist users in connecting with like-minded peers. Moreover, technology can help users explore their interests and hobbies on a wider scale. For example, kids can explore their passion for sports through use of video games. Furthermore, people can use technology to keep in touch with their family and friends.

The reason television has shown more negative effects than gaming or computer use is because children aren’t actively engaged. For the youngest children, sharing screen time with family members (and talking about what they see) is the key to making screen time more active.

Take it from Diana Graber, the Founder of Cyber Civics & Cyberwise, “One can either be ‘participant’ or ‘consumer’ when it comes to screen time… not all screen time is ‘bad.’” Graber is also the author of Raising Humans In A Digital World.

How To Get The Best Out Of Screen Time

From 2015 to 2019, children’s daily use of computers for homework nearly doubled. As a result, it’s crucial to steer children in the right direction when navigating the internet.

For starters, keep screens out of the bedroom. A private television can lead to more screen time and sleep problems. Keeping computers and televisions in shared spaces not only promotes communal living, but makes kids more likely to keep up safe habits – and parents more likely to notice negative interactions.

More along these lines, talk with your child about what’s on the internet. Even with parental controls, something will likely slip through the cracks. Setting up parental controls can help you control what your child has access to and monitor their activity. It is also easy to do as most technology has easy-to-use features that can help.

Simply directing your child’s devices to the kid-friendly version of popular sites can make a huge difference. Furthermore, talking with your child about what they see online, and why some of what they see may be wrong, can reduce the impact of negative content.

As Sherry Skyler Kelly, the founder of PositiviTeens, said, “You and your kids can access a variety of information, but you need to choose wisely and be a discerning and smart consumer of the online products and services.” Knowing this, consider designating screen-free times to your child – like meals, bedtime, and one night per week. You can also ensure time is set aside for exercise, family, and other valuable activities. This way, you can set expectations for screen time that fits your family’s needs.

Remember, not all screen time is equal. Growing evidence proves that how children use technology is far more important than how much time they spend on screens. As most things, screen time is most beneficial when used in moderation. For more information on getting the most out of screen time , take a look at the infographic below.

Please include attribution to https://www.ubreakifix.com with this graphic.

Reevaluating Screen Time in an Age of Social Distancing [infographic]

 

The post How Much Screen Time is Enough? appeared first on Dumb Little Man.

The ABC’s of Debt Consolidation – What It Is And How To Do It Properly

People all around the globe are currently struggling to pay numerous loans. If you’ve heard of debt consolidation and would like to know if it’s a viable option for you, then it’s this is the perfect opportunity to learn the ins and outs of this debt refinancing.

What is Debt Consolidation?

Debt consolidation involves taking out a new loan to help you pay off your other consumer debts and liabilities. It typically refers to unsecured debts. You combine all of your smaller debts into a single larger debt that usually comes with more favorable terms. This is most ideal for people who owe $10,000 or more.

You could get a lower payment each month, reduced interest rates, or a combination of both. You can use the money from this loan to pay your credit cards, student loans, and other assorted liabilities. This can reduce your stress levels because it’ll streamline everything into a single payment.

This type of debt refinancing has its pros and cons so make sure to get all the information you can before applying for a debt consolidation loan.

What requirements you need

debt consolidation requirements

Here is what you will need to prepare if you decide to go ahead:

  • Proof of income
  • Credit history
  • Creditworthiness or financial stability
  • Collateral or equity

Sample of documents you will need to prepare:

  • Proof of employment or letter from employer
  • Two months’ statements for every loan or credit card you want to pay
  • Letters from repayment agencies or creditors

Once everything is ready to go, you have to decide which one to pay first. The lender will decide this in a lot of instances. However, you should go for the one with the highest interest rate if you get a choice. When you pay this debt, you’ll move to the next one until you pay everything off. As long as you follow the plan, you can be debt-free in a few years.

Secured vs Unsecured Loans

When it comes to debt consolidation loans, there are two broad types available. You can choose a secured or unsecured loan.

• A secured loan uses your assets like a car or home as collateral. If you don’t pay your debt, you run the risk of losing whatever you put up for collateral.

• Unsecured loans do not have assets as collateral. This can be a relief, but it can also make them much more difficult to get. They come with lower qualifying amounts and higher interest rates to help minimize the risk.

Both types of loans usually come with lower interest rates than you’ll get with credit cards. A lot of these loans have fixed interest rates. This means that they won’t fluctuate over the time you repay them.

Your Most Common Options For Loan Consolidation

You have several options available when you consolidate loans into one larger payment. We picked out the most common ones for you below.

• Traditional Banks and Peer-to-Peer Lenders

The majority of traditional creditors like peer-to-peer lending platforms, credit unions, and banks offer debt consolidation loans. They’re great for borrowers who are having trouble managing the size of their debt or the number of monthly payments. If you want to pay down several high-interest debts, this is the option you want to choose because you get a lower rate and one payment per month.

• Balance Transfer Credit Cards

A second option you have is to take all of your current credit card debt and transfer it onto a new balance transfer card. This card usually gives you a set amount of months to pay down your balance with a 0% interest rate. Look for cards that come with promotional offers or bonuses. The goal is to pay down as much debt before the 0% APR stops.

• HELOC

Home equity lines of credit or home equity loans are another way you can consolidate your debts to make them easier to manage. As a bonus, you can typically deduct the interest on this loan from your taxes as long as you itemize all of your deductions come tax time. Your home is the collateral in this loan option, and this means you run the risk of losing it if you don’t or can’t pay it.

• Student Loans

debt consolidation student loan

You have several debt consolidation programs available for your student loan debt. The federal government sponsors many of these consolidation programs. You can use the Federal Direct Loan Program to consolidate any non-private loans you have into one easy payment with a lower interest rate. To get the interest rate on this new loan, the company will look at the weighted average of all of the previous loans’ interest rates.

You should note that opting in and getting debt consolidation services doesn’t erase your debt. All it does is transfer it to a different type of lender or loan. If you need debt relief and don’t qualify for a loan, debt settlement is a solid option. The goal of debt settlement is to reduce how much you owe instead of the number of creditors you owe. You’ll work with credit counseling services and debt settlement companies to try and negotiate your debts with the original lenders.

5 Steps To Getting A Loan Consolidation

Once you make up your mind, these are the steps you will be going through:

1. Get a good grasp of your expenses and income. List down your total monthly income alongside your total monthly expenses. This will allow you to get a good handle on how much you can afford to set aside for your debt consolidation payments.

2. Next, confirm your credit score. The higher your credit score, the likelier you are to get approved and even get lower interest rates. Remember that your goal is not just to consolidate your payables but also to get a lower interest rate in the process.

3. Make a list of all the debts you want to consolidate. Include your credit card balances and other high-rate debts.

4. Check out the different loans available to you whether they are from banks, credit unions or online lenders. Compare and contrast their charges and repayment schemes. Make sure that the latter fits in with your monthly income and expenditure.

5. Choose the best option for you and start the loan application process. Make sure to read all fine print including penalties.

Although your credit score may potentially suffer and your payment schedule may take longer, if it will help you clear all your debts in the long run, then you should come out on top.

The post The ABC’s of Debt Consolidation – What It Is And How To Do It Properly appeared first on Dumb Little Man.

The owner of this website is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon properties including, but not limited to, amazon.com, endless.com, myhabit.com, smallparts.com, or amazonwireless.com.
Home Privacy Policy Terms Of Use Anti Spam Policy Contact Us Affiliate Disclosure Amazon Affiliate Disclaimer DMCA Earnings Disclaimer