It seems almost too soon for it to be time for graduation already. School seems to take forever to start and yet before you know it, graduation is here.
I remember my own graduation party, it seems like just yesterday I was getting everything ready for the end of the high school journey. I have a huge family so a party was a necessity. We had sent out 125 high school graduation invitations it was like doing wedding invitations and everyone RSVP’d it was an amazing time.
Graduation is such an exciting time and no matter what kind of school or degree is earned it is important to celebrate with those we love. Many people think that if you are homeschooling that you don’t have a party or a ceremony but, some of the best graduation parties I have been to were for homeschool graduates They even do special announcements and homeschool graduation invitations.
Graduation is a time of new beginnings, what a perfect time to celebrate! Whether you have a small group of friends for a dinner party or a huge party like I did, this is the time to celebrate and congratulate the hard work and dedication of the graduate.
Get your invites just right and plan to have a memorable time!
Basic Invites has the best of the best when it comes to graduation invitations. They offer Almost Unlimited Colors – Basic Invite is one of the few websites that allows customers almost unlimited color options with instant previews online. Once you select a design you can change the color of each element on the card to over 180 different color options so you can make sure the card is exactly how you want it down to the littlest detail. This is what we feel sets us apart from almost any other online stationery company and is what we feel is our biggest draw.
Custom Samples – Basic Invite is one of the few websites that allows customers the ability to order a printed sample of their actual invitation so they can see exactly how it will print as well as the paper quality before they ever have to place their final order.
Over 40 Different Colors of Envelopes – Basic Invite is just as colorful with our envelopes as we are with our invitations. Customers can choose from over 40 different colors when it comes to their envelopes so that they can make their invitation stand out even before it is opened. All of our envelopes are peel and seal so the envelopes can be quickly and securely closed.
Address Capturing Service – Basic Invite offers an address capturing service that allows customers to simply share a link on Facebook, Twitter, Instagram, or any other form of social media to request their friends and family’s addresses which will be stored in the customer’s account and can then be selected during the design process. Basic Invite offers recipient address printing at no cost on all card orders.
Foil – Foil cards are available in gold, silver, and rose gold. Customers can choose flat or raised foil on all of Basic Invite’s foil designs.
Right now Basic Invite is offering 15% off with coupon code: 15FF51 I am just over the moon with these new tassle was worth the hassle graduation invites. Perfect sentiment for so many!
Billy Murphy is a happy recipient of a loan from the bank of mom and dad, an amount he used to purchase his home in New York City. The 32-year-old firefighter had to come up with the house’s down payment but the piggy bank of the family; his parents came through with the rest of the amount. To make the deal just better, half the loan from his parents was passed on a gift!
His story is not unusual. Katie Larcher, on the other hand, is in her late 20s. Her friends are purchasing their own homes funded by their wealthy parents. In a time when there is a housing crisis, homeownership is becoming a tall order for most millennials. Most of them have made their best efforts at saving, but most of their income is going to rent, bills, and student loan payments. House ownership seems like a far-off dream.
Katie’s mom, Brenda decided to give her a loan to finance her first tiny flat. “Renting is such a waste of money,” Brenda explains. Katie is just another recipient of credit from the bank of mom and dad.
The high debt problem
There has been an ongoing discussion centering on the fact that millennials cannot buy homes, becomes they are financially irresponsible. A few of them might be, but the most significant percentages of young people are actually not getting married, having children, owning cars or homes because they cannot afford to. So yes, the problem is not the expensive coffees and avocado toast either, nope, they are paying off massive student loans. In the U.S, there are over 45 million educational loan debtors, who owe over $1.2 trillion, each with an average debt of $30,000.
This is why the venerable bank of mum and dad is quickly becoming the only route for most young people to quick homeownership. Statistics show that in 2011, 1/3 of all first time home buyers used a gift (26%) or a loan (75%) to purchase their homes. The amount loaned by parents or given as gifts could be higher because most gifts are hardly ever disclosed to most lenders.
The warning bells
Most financial experts advise parents against lending money to their adult children. There are a lot of negatives attached to it, including fostering dependency, inflaming family tensions and robbing the older party of their hard-earned retirement savings. These ingredients could adversely impact even the healthiest and loving of family relationships.
Loaning your children part of your retirement kitty might seem straightforward at the onset, but later mutate into a straitjacket situation, that impedes on family harmony, if the loanee fails to keep their end of the bargain. There are apparent advantages of getting a loan from parents as they are kind of pre-approved as well , which includes low interests’ rates or none at all making them a very attractive offer. But do keep in mind that the parent is placing their financial health in dire jeopardy by taking that money from their lifetime savings.
However, if a parent has to give that loan, they should rationally consider their decision. It is essential to treat the family piggy bank as more of a “bank” than a “piggy” if you are giving a loan to junior. So how do you do this?
Call it by its name
Ensure that your adult children know that what you are giving them is a loan and not a gift. If the money is a gift, give it unconditionally. Did you know that you can give away as much as $12,000 per year without having to file returns for gift tax?
If it is not a gift, drop the casual attitude and for the sake of your relationship with your children, be very specific with your terms. Establish the parameters for the loan repayments and formalize the loaning process. Leave the boundaries loose, and you might be setting up your family for unnecessary tensions.
Discuss the need
Family is perhaps the hardest place to talk about finances, but if you are loaning out your retirement benefits, then you have to hold that bull by its horns. Keep in mind that the loan might jeopardize your financial health. Many parents will not ask their children questions when loaning them cash, in a bid to not embarrass them.
While there are financial problems that could be private, a jumbo loan request should be tabled, and its need examined acutely. Is it for a business? Where is the business plan? Act as a bank. Let your children know that this is your life’s blood, not petty cash, and they can only borrow it if they absolutely need it.
Remind them of the consequences that you will face if they fail to keep their end of the deal. You will probably have to forego the holiday you have saved for, for decades. You might also have little left for basic needs forcing you to borrow a high-interest rate loan in your retirement.
Money and relationships often make for a messy mix so when issuing a loan, draft a document detailing the loan’s structure. Have a promissory note complete with a repayment schedule. Ensure that the repayments are tailored to the existing interest rates since the installments paid will be taxed just as ordinary income is.
Set up an ETF arrangement to ensure that the payments are deducted from your children’s checking accounts and paid to yours. Set the tone from the very start to ensure that other family members in the future, who come to the family piggy bank, play by the rules. Talk to your other children also, when loaning one of them large amounts of money. Be upfront and ensure that you do not disadvantage them when helping out their sibling.
Find an intermediary
If due to your relationship with your children you cannot have a formal loan agreement with them, seek the assistance of intermediaries. Intermediaries such as Virgin Money have no problem at all handling the awkward conversations. They will help you separate business from family ensuring that you are not both debt collector and loving lender.
The intermediary will see to all legalities of lending and repayments as well as tax and any legal issues. You, in turn, will stand a better chance of having your retirement funds back into your account and maintain a stable relationship with your children as well as you help them out too.
The bottom line
Evaluate the risks before lending out money and ask your children to do the same because your well being is their priority. The stakes are so high when it comes to family relationships and money given away in old age. Use the above money and debt management steps, and you will be a better problem solver for your children.
For some, there’s nothing more worrying or terrifying than the idea of a stranger gaining access to your home and taking your possessions and it’s even more concerning if you have young children at home too…
But don’t worry, lucky there are steps you can take to make your home look less appealing to burglars and make any attempt at a break in much more difficult. Check out these 5 steps you can take to increase your home security. Today.
Add a little signage
You probably don’t have three rottweilers at home, but that doesn’t mean you can put up a sign that says so. Adding a little signage around your property lets anyone who is snooping around know that getting into your home isn’t going to be easy. Signs like these, are super easy to install and they’re kind to your budget. Consider a CCTV sign, even a neighbourhood watch sign to give the impression that your home is under surveillance, either by your cameras or your neighbours and speaking of neighbours…
Get to know those around you
In the old days, most people were on first name terms with their neighbours and probably went out with the front door unlocked. These days, things are a little different. However, making the effort to meet and get to know your neighbours is a great security measure. They’ll help keep an eye on your property while you’re out or away on vacation and they’ll even notice activity around your property and know if it’s unusual or not. You could even speak to your local police department about setting up a neighbourhood watch scheme.
Lighting (and lots of it)
Thieves and burglars don’t enjoy being in the spotlight. So lighting up your front and back yard will certainly make things tricky for them. Not only will lighting at the front of your property serve as a security measure, but it’ll also make things safer for you if you’re returning home after dark. It’ll also give your home kerb appeal. So consider installing some wall lights on either side of your front door, introduce some outdoor lighting along your garden path and in your flowerbeds and you can even pick up a motion sensor light for a few dollars.
Check your doors
Most thieves enter through the front door – a scary thought, I know – so go and check the stability of your front door and then the back. If it’s quite old and has seen better days then consider getting it replaced with something more modern and substantial. If replacing your doors isn’t an option right now, then speak to a locksmith about upgrading your locks and installing a deadbolt. The same applies to your windows!
Leave them nowhere to hide
Overgrown bushes, wild flowerbeds and dark, tangled shrubs, not only do they look unsightly, but they also provide the perfect place for thieves and opportunists to hide! Make an effort to keep on top of your garden and keep everything trimmed back.
March is already in the
middle of spring, as the season which is full of energy and change , spring is
always in hurry. Maybe you do not have enough time to touch the spring by
yourself, here is some ideas can make you embrace spring in your home ,
especially if it is framed with springtime curtains.
Various flowers and green
plants are great ways to incorporate spring changes inside your home. Unique
painting pattern curtains will make the space fresh and natural looking .
These curtains are suitable for people who do not prefer bold, colorful curtain
pattern, they can try the patterns of natural .
When there is full of bloom,
we always see beautiful butterflies around. If you consider of colorful and
bright curtains , Butterfly
curtains can be your best choice, vivid pattern make your home space
romantic and express your personality. No matter in living room or bedroom ,
these curtains can create the cozy and relax sense .
Let us make the window view
refresh according to the season , and make the fresh statement to welcome
Happy Valentines Day! Today is the perfect day to download this incredible new app called Love Nudge.
If you have heard of the 5 love languages you already know what they are all about and how they can make your love life better. Now there is an app that allows you and your partner to make that even easier.
Simply download them to both of your phones and then take the quiz, you can learn what each others love language is and you can work towards fulfilling your partner in their specific love language. Linking the apps on each of your phone makes it the most useful tool you have to tune into your partners needs.
Love and marriage is hard work, I have been married for 18 years and can attest to this. There have been times I have wondered how to reach my spouse in the best way. Love Nudge would have been such an amazing thing to have during those times.
I love that you can track each other and what is the most important things to them. Knowing about the 5 Love Languages and using them to make your partner feel loved and cared for. These are the things that make long lasting relationships.
Valentines Day is the perfect day to download this app, and as a great last minute gift go and pick up the 5 Love Languages book. You can also enter to win a set of the books. HERE!
Enjoy your day and enjoy your life together. Let Love Nudge help you do that.
Love is a promise that once given never forgotten. To celebrate this beautiful feeling of love, Valentine’s Day is celebrated. The day holds special significance in everyone’s lives. For some people, it’s a wonderful opportunity to make a love proposal to the one they like the most, or for others it’s a time to spend some romantic time with them, whereas for a boyfriend, it’s a lovely chance to relive those special moments again that they had spent with each other. Your girlfriend is the strength of your life who always supports and motivates you at every walks of life. She might be the one whom you dream about. You have many times express your love and care for her in many ways but this time, try something unique that can delight her heart and make her feel special on this day of love. This year, buy a lovely Valentine gifts for girlfriend online from any gift portal and tell her how she has changed your life completely. It doesn’t matter how expensive your gift is, the thing which really matters is your emotions behind it. But choosing the right one can be a daunting task. Hey! You don’t need to be tensed at all. We have come up with this article listing some of the best Valentine gifts that will surely make your girlfriend feel good. Check out the below-listed Valentine gifts ideas and bring a cute smile to her face.
Say it with the sweetness of Valentine cake
A cake is the most delightful dessert and also a star of celebrations. But when it comes to gifting something very special to your girlfriend, then this delight never fails to make her smile. If she has a sweet tooth, then it’s a perfect gift to satisfy her taste buds. She will love this sweet gesture from your side.
Valentine Flowers: Sweet token of your love
Flowers are the lovely creation of God that elegantly speaks your feelings of love. If you are planning to surprise your girlfriend, then don’t forget to greet her with a beautiful bouquet of Valentine flowers. Buy a lovely bunch of red roses online from any gifting portal and bring a cute smile on her face.
The charm of a handmade gift is just inexpressible. Actually, it shows how much efforts and time you have put to come up with this lovely gift. If you have spare time to spend, then you can utilize it by crafting a beautiful gift for your girlfriend who is the love of your life. You can craft a scrapbook, photo collage, photo frame, greeting card, explosion box, gift basket and many more.
A Box full of Love
Write down your feelings or wishes of Valentine’s Day on small pieces of paper and put it all into a small box. Decorate the box of love with colorful papers, stones, glitters, sparkles and other decorative items to make it more attractive and appealing. You can write love quotes, reasons “why I love you the most” and other romantic thoughts. We are sure that she will definitely love this adorable present for your loved ones.
If you are still in confusion about what to gift, then this idea is perfect for you. On the leading days of Valentine’s Day, these kinds of gifts are specially curated so that you can gift the best to your girlfriend. These baskets are filled with the delicious treats and many other fab gifts that will sure to win her heart.
We hope that this article helps you a lot to find the best Valentine gift for her and make her feel special. Go ahead and grab it all to bring a cute smile to her face.