Thursday, February 16, 2017

10 small things that might tell you to opt for a loan

Evolving needs of the millennial lifestyle has prompted a diversification of different types of loans. Earlier, the only popular loans we heard of included personal loans, education loans and business loans. At this moment, any standard bank gives out 12 to 13 kinds of loans that can be further classified as personal, business and/or equity loans. Trying to grasp the entire dynamics of loans can be extremely daunting and befuddling without the guidance of loan counsellors and financial advisors.
So we thought of painting a clearer picture that can help you decide what kind of loan you may need right now –
  1. Student loans: as the name states, it is offered to college students and their families to cover their cost of high education. This can be of two main types: federal student loans and private student loans.
  2. Personal loans: This broad term includes all loans sanctioned by a financial institution for personal expenses. The money can be used for a number of purposes including paying off credit card debts and other outstanding debts.
  3. Auto Loans: the name is quite self-explanatory. The money from this loan can be used for buying automobiles. If you miss your payments, you can lose your car. An auto loan can also be given by a car dealership, but often at higher rates.
  4. Small business loans: this is usually granted to entrepreneurs to help them start a SMB and/or expand a business.
  5. Payday loans: this is quite a misleading term as these are more like an advance on your paycheck that comes with  high interest rate and processing fee. This is also strongly condemned by the government.
  6. Retirement and life insurance loan: anyone with retirement funds can borrow from their accounts. That makes payments much relaxed. Nonetheless, you should know that you may face severe tax consequences if you fail to pay a retirement and/or life insurance loan.
  7. Consolidation loans: this can also be categorized under personal loans. They coalesce a number of small and large loans under one big loan and one, flat interest rate. They can also be taken out in the form of second mortgages.
  8. Cash Advances: this is a short-term loan that you can take out against your credit card. This is again not advisable as the interests are high and the window for payback is really small. You can also get cash advances by writing a check to payday lenders.
  9. Home equity loans: this is possibly the most famous of them all. They are good for home renovations and paying off student loans. You need to be careful as this involves your biggest asset and it must be repaid before you sell your home.
  10. Loans for veterans: this loan is usually made available by the Department of Veterans Affairs to veterans and their families. The VA is also a co-signer and guarantor who measures that you get a bigger amount for lower rates.
These 10 loan types will help you understand the different purposes and requirements of different types of loans. Taking out the right kind of loan will always help you get the maximum possible amount for the least interest.

Tuesday, February 14, 2017

Having A Nintendo Network ID Has So Many Benefits! See What They Are! Enter To Win A GC Too!

*The Small Things is a part of the Nintendo Network. All opinions are my own*
If you were unaware, setting up a Nintendo Network ID is so simple! It also has some pretty amazing benefits that you need to know about too! Some of the benefits include being able to download and play free-to-start games like Pok√©mon Picross and Nintendo Badge Arcade! Creating an ID is easy to do. Since it requires the consent of a parent or guardian for anyone under 13 years old, it’s best to set up the ID on your child’s system for them. On Nintendo 3DS family systems, you’ll start by going to “System Settings.” Then follow the step-by-step instructions.
You can also download more than 125 free game demos! This is a great way to try before you buy! To find free demos, just tap the Nintendo eShop icon, then look for the category for “Games with demos.” Tap it to see a list of what’s available. You can follow those same steps for “Free to start.”
You also get access to video-on-demand services like Hulu and Netflix! YES! My 10 year old watches Netflix on her systems!  There’s also tons of free video content available from Nintendo, including game trailers, Nintendo Minute videos, Play Nintendo content, and more. Look for the “Newest videos” category on Nintendo eShop to see what’s available.
Receive exciting updates and more. Your child can also express themselves! There is a community called Miiverse and you can post screenshots, share messages and more. You can also make your own Mii! It is pretty neat, actually. If you link to a Nintendo account, you can receive digital awards and discounts. Lastly, you can receive exciting updates about new products, games and more! Having an ID means you and your kids can buy digital games on Nintendo eShop—sometimes for a discounted price that you won’t find in other stores. (Don’t worry—by restricting Nintendo 3DS Shopping Services via parental controls, they can’t purchase without your help.) GO HERE to see step by step instructions on how to set it up! It is detailed and easy.   No 3DS? Check out Wii instructions HERE.
Be sure to visit Nintendo on their social channels to stay up to date with the latest too!
Win it: Enter to win a $50 Nintendo eShop Giftcard here on The Small Things! Giveaway is open WW. All entries will be verified. Giveaway ends on 2/28/17. Enter below. Goodluck.

Nintendo carries more than just games. They have the best Nintendo Swag!

*The Small Things is a part of the Nintendo Blogger network and received items to facilitate this post, this post may contain affiliate links.*
I love Nintendo! We love Nintendo products and all things Mario! I have been a part of the Nintendo Blogger program for awhile now, we love their products! When you think of Nintendo, what is the first thing that pops in your head? For me, it is Mario! He is ICONIC. Fun fact: Did you know that Nintendo was founded on 23 September 1889, by Fusajiro Yamauchi, it originally produced handmade hanafuda playing cards? SO NEAT. If you were unaware,  Nintendo carries more than just games. They have the best Nintendo Swag! We received several of the items to show YOU! 
All of these products can be found at https://store.nintendo.com/ng3/. Not only do they have these there, but you can find them on Amazon and various online retailer too! 
The first item that we noticed was this cool Spinning Fire Bar Display
It is officially licensed by Nintendo and it holds & displays 1 amiibo figure. It has a classic 8-bit Mario design and features a wind-up motorized spinning fire bar. You can find it on Amazon (Available on PRIME) for $14.99 HERE.
The NEW Super Mario Bros. 2 for 3DS. Bowser has once again kidnapped Princess Peach, but this time, Mario has another objective. The Mushroom Kingdom is bursting with more gold coins than before. Each level is littered with gold as coins rain down from overhead pipes, trails of coins are left behind special gold enemies and gold pipes transport Mario into coin-filled caverns. It's up to players to collect as many coins as possible throughout their adventure. This retails for $29.99! You can get it HERE
Nintendo Super Mario Bros 24oz Water Bottle with Refreezable Star Ice Cubes. Buy it for the retail price of $19.99 HERE.
Super Mario Maker™ #1 Puzzle This 550-piece puzzle features an original Mario from Super Mario Bros. built in Nintendo's new Super Mario Maker. 550 Pieces; 18" x 24" Finished Size Buy now $9.99 HERE.
 Be sure to visit Nintendo on their social channels to stay up to date with the latest too!

Monday, February 13, 2017

Bachelor Monday Season 21, Week 7 Thoughts

Bachelor Monday Thoughts
It is that time again. Week 7 of The Bachelor. Last week, Nick had a meltdown. Several girls were sent packing. How will this week go? The episode starts with the girls discussing what happened and Nick discussing it with Chris. I am going to be honest and tell you all that I am totally #TEAMRAVEN. I am going to be upset if she goes packing. 
Nick comes back to the girls room to see them and chat. He basically says that the final 6 women give him hope and cancels the Rose Ceremony. He then tells them that they are headed to Bimini, Bahamas. A date card arrives and Corinne thinks that it is for her and she thinks she deserves it. Low and behold it was for Vanessa. (HA!). The one one one date starts with Nick and Vanessa going on a yacht and she tells him her feelings about being scared. Corinne is back at the hotel talking crap about Vanessa (jealous much?), and the camera goes back to Nick and Vanessa. She is in love with him and it is obvious. 

Back at the hotel a date card arrives and it is a group date for Corinne, Kristina and Raven! Corinne is pissed. Vanessa and Nicks date night was awkward for her because she spilled her heart telling Nick she is falling for him and she can't wait for him to meet her family. After she tells Nick she is falling for him, he doesn't say it back. It leaves her confused. These one on one dates do not get roses FYI. 

Group Date- The girls heat to meet Nick on a Yahgt (really? lol) and Corinne strips down to her bikini right away. Everyone else does too and Nick starts putting sunscreen on Kristina and it makes Corinne jealous. Corinne is jealous bc she thinks the date is about Kristina. Pathetic if you ask me. The evening portion comes and Nick starts talking to Kristina and starts crying AGAIN. She is ready to bring him home to her family. Raven gets some time with Nick too. She is so cute. She also talks about her dad being diagnosed with cancer. So sad. 

Back at the hotel, Danielle gets a date card for a one on one and it goes back to the group date. Corinne gets time with Nick and starts being a baby about not having one on one time with him yet. After they come back to the group, Nick gives a rose to Raven!!! They leave the other two behind and head to a concert by Adam Friedman. They start dancing a kissing. I love these two together. 

The next day, Danielle gets her date with Nick. Their date is cute, they ride bikes and go shopping. They play basketball with local kids too. They start discussing hometowns and Danielle is just weird. She seems like she is spacing out. Back at the hotel, Rachel gets her date card and she is exciting. It goes back to Danielle and Nicks date that night and she starts telling Nick she has feelings and it is scary. If you don't remember, she was engaged and her fiance passed away. Nick doesn't feel the same way with her and he thinks they are friends. He ended up sending her home. She is a mess. A BIG MESS. She goes to get her things and everyone comforts her. 

Corinne gets dolled up and tries to sneak over to see Nick. I am not sure how this is going to go. She is obviously wanting to get down and dirty. Corinne goes to his room and they start talking nasty. It is obvious what is going down in there. He tells her that he doesn't think it is a good idea, and it is very tempting but he needs to wait. Corinne is upset. He said he cares about her but he cares about the other girls too. He doesn't want to make the same mistake that he did in the past. I find it hilarious that her skank plan backfired on her. She is a mess about it. 

The next day starts with Nick and Rachel going on a date together. She is so pretty. They discuss hometowns and the discussion comes along that Rachel has never brought home a white man. Nick asks her if it is something to be concerned about. She knows what she wants. She comes back and tells Raven how great the date was! Corinne is freaking out because she "NEEDS" this hometown with Nick. GO HOME Corinne. 

Nick and Chris start talking and he knows who he needs to say goodbye to. This is a legit moment for Corinne. She thinks she is going home for sure. Nick wants to say goodbye but not during a rose ceremony. He comes in and asks for Kristina. This is bad. Corinne is flipping out because she thinks SHE is going home. I am pissed that he is sending Kristina packing. I will be so UPSET with ABC if he keeps Corinne. I did not expect her to make it this far. Nick tells Kristina that he feels like there are stronger relationships in the house. 

How do I predict Nicks season? I think he is going to be too scared. I think at the end of this he will be alone. Until next time... 

Join the One Woman to Another Community and influence the future of contraception and family planning services!

This is a sponsored post. I received a promotional item from C Space as a thank you for participating.
In order to support the development of better contraception/family planning services, C-Space has created a private online community of women who wish to share their voice and opinions.  Within the One Woman to Another community women will be able to confidentially share their experiences, connect with one another, and participate in market research activities

What to Expect: 

  • Fast and Easy – As a member, you can expect to spend 10 to 15 minutes online per week contributing to various community activities.
  • Influence – Your voice is powerful! Help us understand your experiences, challenges, successes and unmet needs. Members will express their insights though surveys, discussions, quick polls and other online interactive activities to help inform decision makers in the healthcare industry who are working to ensure the relevancy of future programs, services and products.
  •  Learn New Things – Anonymously connect and collaborate with other women like yourself.

Privacy Note: Your personal and identifying information will be kept confidential and is NOT shared with the sponsor or anyone else – this is true for your completion of this brief qualifying survey as well as for your participation within the community. Your identity and contributions on the community site will be completely anonymous. This isn’t a clinical trial. It is anonymous, healthcare market research.

Membership is by invitation only and spots are filling up fast for the One Woman to Another community, so take this quick survey today to see if you qualify: http://bit.ly/2lDhBB5

Get 1000 SB plus 15% off your Valentine's Day order from ProFlowers

Valentine's Day is here, and if you still don't have a gift picked out, Swagbucks and ProFlowers are teaming up to give you a great deal. Order through this link (you'll be asked to create your Swagbucks account if you don't already have one) and you'll get 15% off of your order PLUS 1000 SB, which is the equivalent of $10 in gift cards at Swagbucks. The 13th is the last day to guarantee delivery on Valentine's day, so order now!

In case you didn't know, Swagbucks is a rewards site where you earn points (called SB) for shopping, discovering deals (like this one), watching videos, taking surveys, and even surfing the web. Then you take your SB and redeem them for gift cards to hundreds of places including Amazon, Walmart, Starbucks, Target, or PayPal.

As a special bonus to you, if you sign up through me through this offer and get the 1000 SB, you'll get a bonus 300 SB at the beginning of March. That's $13 total PLUS 15% off your Valentine's Day order.

Chocolate Dipped Team Challenge (US & Canada)

Here's another fun team challenge to help you earn SB from Swagbucks! For those of you who don't know what Swagbucks is, it's a website where you can earn cash back on everyday tasks you do online like shopping, answering surveys, discovering deals, and watching videos. You can even earn for searching the web! 
If you've never tried Swagbucks before because you didn't know where to begin, their Team Challenges are a great way to learn the ropes!
They have one themed around Valentine's day - the Chocolate Dipped Team Challenge begins Monday, February 13th. 
Here's how you can join the challenge and the site:
1. Click here to join the challenge and be assigned to a team. Pre-registration is going on right now! If you don't already have an account, you can sign up on this page as well.
2. Starting February 13th at 8am PT, in addition to earning SB you'll contribute points to your teams total as you complete different activities on Swagbucks.
3. Check back on the page often to see the scores and what you've contribute so far. 
All members who participate and contribute at least 400 points to their team’s total will receive a SB bonus in the form of a SB Swag Up Rebate on their next gift card! 
Not only that, but if you earn 300 SB before March 1st, you'll get a 300 SB bonus (as long as you've signed up under me)!

Members of the 1st place team will receive a 50 SB Swag Up Rebate, members of the 2nd place team will receive a 25 SB Swag Up Rebate, members of the 3rd place team will receive a 10 SB Swag Up Rebate. Your SB Swag Up Rebate will be made available on Friday, February 17th and will expire on Tuesday, February 28th 11:59pm PT

Thursday, February 9, 2017

Limited Edition TruMoo Chocolate Marshmallow Milk Is A Hit In My Household! #TruMoo #TryItHot

Disclosure: This is a sponsored post on the behalf of The Motherhood for TruMoo. All opinions are my own.
Chocolate milk is a FAVORITE of mine. It is also a favorite of my 10-year olds! My daughters school serves the little cartons for lunch! She told me she drinks it everyday. I am incredibly stoked that TruMoo, our only trusted brand for chocolate milk, has a limited edition flavor! It is TruMoo Chocolate Marshmallow Milk. Now, if you have NOT tried this, you are missing out. TruMoo Chocolate Marshmallow Milk is A-M-A-Z-I-N-G! Let me tell you! This amazing product is available NOW through the end of March! 
Now, this product is a favorite in our household for several reasons. Like regular TruMoo, TruMoo Chocolate Marshmallow Milk contains no artificial growth hormones or high fructose corn syrup, and is made with wholesome low-fat white milk from your trusted dairy. This is one of the main reasons that we purchase TruMoo! Not to mention, it is delicious! Did you know that this amazing product is even better HOT?! Yes, you heard that correctly. I had never tried it hot, and I decided to use a recipe provided by TruMoo and gave it a whirl!
 If you decide to make this hot, winter drink- it will leave you wanting more, that is for sure! We decided to try TruMoo Rocky Road Hot Chocolate. JUST WOW. 
Recipes Courtesy of TruMoo
TruMoo Rocky Road Hot Chocolate
  • 2 cups TruMoo Chocolate Marshmallow Milk
  • 1/4 cup coarsely broken graham crackers
  • 2 teaspoons vanilla extract

Garnish: chocolate chips, graham cracker pieces, mini marshmallows, toasted almonds
  1. In small saucepan over medium heat, heat TruMoo Chocolate Marshmallow Milk, graham crackers and vanilla until milk is hot.
  2. Pour into mugs. Garnish with chocolate chips, graham crackers, toasted almonds and mini marshmallows* if desired. *If desired, broil mini marshmallows until lightly browned before garnishing.
  3. To heat in microwave oven, combine milk, graham crackers and vanilla in large glass measure.
  4. Heat on High 1 minute or until warmed through. Garnish as above. Serves 2.

My family LOVED this recipe! They both said that TruMoo is delicious served HOT! It only took a few minutes to make! SO FAST and I loved that it was not time consuming!

It left everyone wanting more! I love that it tastes like a smore!

One tip that I learned in the process is that the marshmallows DO taste better when they are lightly browned in the boiler. This taste JUST LIKE SMORES. Totally! So delicious too! Garnishing with the chocolate chips and pieces of graham crackers gives it just the right touch! Find TruMoo near you using the store locator. I am sure that this will be a hit in your home! I am so happy that it was in mine! Be sure to visit TruMoo on their social channels to stay up to date with the latest on their product! 
Have you tried TruMoo Chocolate Marshmallow Milk? I would love to hear your thoughts!

Top 10 Smart Foods for College Students




Students need to eat special food because they need to work all the time: it is necessary for them to keep their mind and memory well-trained and here is a top of the smartest food decisions for them. Especially, it`s very obvious when students are getting ready for the exams or doing their college papers. Although training your mind is important and healthy food makes this process much faster, it still needs certain time to recover so if your brain is tired now, you can use viking essays writing and take enough time to rest and recover brain while professionals are doing your work.

Oysters
If a student eats seafood, especially oysters, he or she will more likely receive only high grades. It is a great brain food. Numerous experiments had proved that oysters are very beneficial for the health, without reference to a person's age. The cause is a high concentration of such elements as zinc and iron inside these products. Such a combination of beneficial micronutrients will keep the sharpness of student's mind and improve the ability to bethink the necessary facts easily. Useful zinc and iron increases the person’s ability to be focused and to recall the information. When these significant elements are lacking in the student's body, he or she will have unnecessary memory lapses, may suffer from poor concentration, and experience the violation of vital functions in the organs of the body. Students should include seafood into their mind diet.

Whole grains
People who want to lose weight understand how beneficial whole grains are for the body, but it is not the only beneficial quality of the whole grains: it is useful for the student's mind. All varieties of wheat and bran include lots of folic acid, so recipes for college students should include the whole grains.

Tea
It is necessary to get rid of coffee if you have this drink at home because tea is much more useful! Tasty fresh green or black tea is very salutary for your health as it is full of catechins. It will make you healthy and full of power. We all have such days when we feel tired, even too lazy to think about the studies: the cause for this is the simple lack of catechins in the student's organism.

Eggs
With the age, the brain of any human begins to shrink - this terrible phenomenon is named the brain atrophy. People can get used to the reduction of the other parts of the human body, but we do not want to accept the decrease of the brain, we want to increase it. This particular process is natural and you can deal with it by eating eggs.

Curry
This spicy yellow powder is a simple way to develop your brain and keep it fresh and ready to work. The most important ingredient in this orange powder is curcumin, which has antioxidants.

Berries
Even if the student is not a vegetarian, he must rely on fruits, especially tasty berries which can improve brain health. For instance, blueberries are useful for improving mind skills and overall learning abilities. That is important for students. The blueberry is very salutary for our brain, the markets are full of products with blueberries now and students can buy it wherever they want.

Nuts and seeds
Every type of nuts is useful for the brain. These are peanuts, almonds, hazelnuts, cashews, walnuts, pumpkin seeds, sunflower seeds and other kinds these products. These products are full of fatty acids omega-6 and omega-3, folic acid, useful vitamins E and B6. These set of salutary nutrients gives clear thinking.

Leafy green vegetables
Little children do not like leafy green vegetables, as for instance spinach; yet, they are really good for the brain. These leafs help most of all when there is a necessity to recall the almost forever forgotten information to bethink all the details. It is what students need.

Fish
Fish consumption may be very salutary for health, especially for the brain as there is a lot of omega-3 fatty acid in different fish, so it’s a good component if any healthy diet.

Chocolate
Scientists had proved that the content of the salutary antioxidants contained only in a few tablespoons of tasty cocoa powder is much bigger than in different products as red wine or green tea. The significant antioxidant found in cocoa, a flavonol can improve blood flow to the student's brain. A tasty milk chocolate is not so beneficial. It is much healthier to eat dark chocolate.

Garlic
It accelerates blood circulation - hence the brain is supplied with oxygen and works faster. From 2 to 3 cloves of garlic improve memory every day and a smell can be avoided, chewing a sprig of parsley.

What about some other useful products? A decision is to drink some brain boosting smoothies before studies.

Help your mother say goodbye to her debt woes

While dealing with our parents’ debt and finances we often become more emotional and less rational. We should remember that money isn’t a taboo but neither is budgeting. Therefore, before you start thinking about ways of paying off your mother’s debts you should help her device a practical budget for her. You cannot really force an adult to live on a budget or stalk their expenses.
In most cases, adults are aware of their finance problems but they are afraid of facing their debts. They keep living their lives with their heads buried in sand. However, an intervention is rarely fruitful, as you need to consider the ramifications on your interpersonal relationships as well.
It might seem rather irresponsible to step away from ground zero and to keep your mouth closed. Here are a few things you can do instead –
  1. Set examples before them –
While talking about finances is easy, it rarely does any real good. You can start by setting a budget for yourself. You should use apps like Walnut All Banks Money Manager to track your own spending habits and then let this casually slip into a conversation while you are with your mother. The idea is to incept the idea of financing and debt management to your mother and not to nudge her continuously.
  1. What do you need to devise a plan for your mother?
This one can be a little tricky. Your mother may have more than just one creditor and paying them off on time may be a serious challenge for her. Now, if you do not know the details of the kind of loans, the terms and conditions and the rates of interest, you will find it impossible to create a financial plan for your mother.
Very similarly, you need to explain real meaning of debt to your parents. The easiest way for doing this is taking the help of the good ol’ excel sheets. Create columns for creditors, balance owed, payments, interest rate, due date and lapsed payments. Consolidating the details helps in creating a working financial plan for your mom.
  1. Control the spending fever –
Spending is a habit. It is an itch most people feel when they have money in hand. More often than not, we end up buying completely random things in the first few days of the month until reality wakes us up.
Your parents have been a victim of this “habit” for quite a few decades now. It has knocked them into rolling debt that is now consuming their happiness. If you want your mom to spend healthily you can take help from finance apps like Expense Manager, Money View and Money Lover. They have reward systems, real-time analytics, graphical representations and real-time update of balance. They make budgeting really fun!

Saving up and managing debts for your mother is definitely not easy, but it is definitely worth it. You will need oodles of patience, tenacity and persistence to help them understand the gravitas of their financial crisis.