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FREE personalized storybook for kids, flash cards and stickers! (Just pay $ 3.99 shipping!)


This is such a fun little gift idea at a great price!

The Beans & Sparks Club currently offers a FREE personalized storybooks, flash cards and stickers for kids! You pay only € 3.99 shipping costs!

How to get this freebie:

  1. walk HERE.
  2. Add your child’s name and fill in the information to make the character look like your child.
  3. Click the Book Preview button.
  4. Click the Next button”.
  5. Add the FREE Flash Cards and FREE Stickers to your order.
  6. Skip the add-on to avoid additional costs.
  7. Stop by and pay just $ 3.99 for your FREE personalized storybook, flash cards and stickers!

Note: If you take advantage of this offer, sign up for the Monthly Book Club for the regular monthly price of $ 19.99. However, you can always cancel without any problems. So if you don’t want to continue after your first free book, just remember to cancel before you are billed for the second month.

Go Here To Get Your FREE Storybook + Flash Cards!

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Do you want to buy Solana? What you should know before making a decision


Solana, a blockchain network that launched in 2020, has seen tremendous interest from both cryptocurrency enthusiasts and developers who are using it to build decentralized applications for industries like finance, computing, and even the arts.

Proponents describe Solana as a faster and more efficient competitor to the crypto powerhouse Ethereum. The price of Solana’s native cryptocurrency, known as SOL, is now in the top 10 most valuable cryptocurrencies by market capitalization, according to market research site CoinMarketCap.

But what is Solana and how did it quickly become a major player in the crypto space? Here are some things you should know about Solana and some ideas to consider before making a potentially risky cryptocurrency investment.

What is Solana?

Solana belongs to a group of networks vying to be one of the leading platforms for usage Blockchain Technology. Developers can build on Solana products that enable users to conduct secure transactions and execute digital contracts.

Essentially, Solana wants to be a home for decentralized applications that allow users to do business without the need (and associated cost) of a trusted intermediary such as a bank or broker. This is how Solana competes in a crowded space that has blockchains such as ether and Cardano, along with traditional financial players.

What gives the SOL cryptocurrency its value?

As the native cryptocurrency of the Solana network, SOL is to be used as a means of payment for services provided via Solana or as a fee for the computing power required to operate the network. Users can buy SOL on a cryptocurrency exchange and earn more by helping to verify activity on the system through a process known as staking.

One of the most popular Solana uses is selling non-fungible tokens, or NFTs, which allow a buyer to own a unique digital version of a work of art. For example, an online collection of NFTs known as the Degenerate Ape Academy sold a piece on the Solana network for 5,980 SOL. At the time, that amount was worth about $ 1.1 million.

Other uses of Solana are in the financial arena, where developers are trying to shake up the traditional structure of the industry. And some projects in the network are trying to create Internet technologies that are less dependent on centralized authorities than those that exist today.

When you invest in Solana, you are essentially betting that some of these efforts will succeed and that the demand for SOL will increase along with its value.

Should I buy SOL?

Buy any cryptocurrency can be a risky move. Solana is a new, relatively untested participant in a new, relatively untested field.

Blockchain may never develop into the disruptive economic force many of its followers expect – or it may take many years longer than expected to reach its potential. And even if they did, Solana may not be a big winner in this hotly contested area.

“Like everything else, it will be a top-winning market,” said Bill Birmingham, director of research at Osprey Funds, a Tarrytown, New York company preparing to launch a Solana mutual fund.

Birmingham says he is confident that Solana will realize what he sees as significant potential.

He also suggests that people who are considering buying a cryptocurrency look at how quickly they are being adopted. Some metrics to examine include the number of active wallets, which are accounts in which users can hold a cryptocurrency, and the number of transactions over time. You can also look at how tokens are distributed to get a feel for the risk of inflation. Birmingham says useful data for these purposes is available online through Solana Researcher Function and the page Solana Beach.

What are some red flags?

Solana’s rapid growth has created some problems of its own. On September 14, 2021, Solana was offline for about 17 hours after a crash caused by a flood of bot-generated transactions. Solana’s senior organization found that no funds were lost and that the network was able to fully recover in a day, arguing that the situation was evidence of Solana’s resilience.

After the failure, Solana lost some of its value before recovering somewhat in the weeks that followed.

On the whole, it is important to note that many people who trade cryptocurrency speculate and often take leaflets with them in search of explosive growth rather than investing based on solid theories. But whatever your approach, a rule of thumb is to make crypto holdings a small part of your overall portfolio – say around 5 to 10% – similar to other concentrated investments like individual stocks.

What are some of Solana’s strengths?

Once you’ve made a decision to invest in cryptocurrency and are considering whether Solana is a promising asset, understanding how it differs from other technologies in the field can be helpful.

Proof of history: One major innovation touted by Solana’s supporters is a feature known as the Proof of History. The network takes a different approach than other blockchain projects to help users agree on when a transaction took place.

The correct order of transactions is critical to network security and functionality, and some previous methods required a time-consuming verification process.

Solana developers say they found a way to reliably record the timing of every message so that everyone else on the network can check regardless of when it receives it.

Fast and cheap: One of Solana’s main selling points is its relatively high speeds and low transaction costs. The network’s developers say it is designed to ensure that the cost per transaction does not exceed 1 cent.

Meanwhile, the average transaction price for Ethereum on October 15, 2021 was around $ 16.

Birmingham says you don’t have to be a computer science expert to make a good decision whether to buy Solana. However, it does help to understand at a high level what the network is, how it works, and what might lead someone to use it.

He says, “Are you looking at this from a network perspective and are you wondering if people are embracing that network? Does it solve a problem in the market that is either not solved by a traditional financial market, or does it do something in a traditional financial market that is better? “

How much do you tip a hairdresser?


Not sure how much tip to tip your hairdresser? We interviewed three etiquette experts, two salon professionals, and a certified financial planner. Most of these experts suggest leaving 15 to 20% on depending on the service and your satisfaction.

Going at 20% is good for the stylist and you because this math is pretty simple.

Nerdy tip: To find 20%, start by finding 10% and then double that amount. So if your haircut is $ 60.00, you can find 10% by moving the decimal one place to the left. Ten percent of $ 60 is $ 6. Then double that $ 6 to get your 20% tip: $ 12.

Why tipping is important

For many hairdressers, tips are a significant part of their income. This amount “affects the way they think about their income and how they use it for their expenses,” said Steve Waldman, technical artistic director and product advisor for the Hair Cuttery family of brands.

Tips also show appreciation for your hairdresser, whose job has likely changed and become riskier during the pandemic.

“There is so much more to be done so that employees can protect and protect themselves [customers]”Says Crystal L. Bailey, director of The Etiquette Institute of Washington, located in DC.

Are there any exceptions to the 15% -20% rule?

If you can afford to tip just over 20%, Waldman recommends doing so for styles that are “really intuitive and rely on your stylist’s creativity and expertise”. For example, consider tipping more tips for hand-painted highlights, corrective dye, and hair extensions.

In contrast, for simpler styles, like a routine barber cut, it’s acceptable to tip closer to 15%, Waldman says.

What if you are not happy with the result?

If you’re not happy with the outcome of your hair, it’s okay to stick with 15%, but don’t skip the tip, says Diane Gottsman, founder of the Protocol School of Texas. After all, she says, the professional has still invested the time and effort and may not even realize that there is a problem.

If you skip tips or leave the salon in silence, your hair won’t look any better – but it could be speaking. As Waldman puts it, “Give the salon professional the opportunity to take you to a place where you are happy with your hair.”

Talk to your hairdresser privately about what you are specifically unhappy with and ask what could be done differently, suggests Elaine Swann, founder of the Carlsbad, California-based Swann School of Protocol. “That way there is a dialogue and you are looking for a solution.”

Perhaps you can make a follow-up appointment to adjust the color, for example, or your professional can provide you with styling tips or products to spice up an unfortunate cut.

Do you tip assistants?

A general rule offered by both Waldman and Gottsman is to tip anyone who touches your hair. So you don’t have to tip the salon coordinator who checked you into the appointment. But if you can, give around $ 3 to $ 5 to the assistant who shampoo your hair or rinse off color.

What if you can’t afford a tip?

Our experts have offered different views on what to do if you cannot afford the tip. Let’s start with the dissenting opinion. While tipping is a “very, very nice gesture,” says Swann, “if you can’t tip, so be it.” In other words, say thank you and leave without a tip.

The cost of the service is only owed, says Swann, who previously owned a beauty salon.

Niki Moon, owner of Niki Moon Salon & Spa in Naperville, Illinois, sees it similarly. “Tips are always valued but never expected,” she says. “We would never want a customer not to come to us because they can’t afford to tip in addition to their service.”

Gottsman has a different answer. “Tipping is not optional,” she says. “It’s not a take-out order – they cut your hair.” She indicates that you are choosing this experience, which is all about tipping. So it would be best if you plan on this.

Pamela Capalad, a New York-based certified financial planner, is in the same warehouse. “You can’t just pay what’s on the till,” says Capalad. “If you plan to use these services, you must have your budget. “

Before making an appointment, do some research on the money you can spend. For example, if the service you want is $ 100, would you feel comfortable spending a total of $ 115 or $ 120 to get a 15% or 20% tip?

“If you are in a financial bind, you might reconsider your experience,” says Gottsman. You might stick with that $ 120 but go to the salon less often. Or maybe you are looking for a less expensive service or salon. For example, a service of $ 75 plus a 20% tip would still keep you in double digits at $ 90.

Or you can try tweaking your type Manage your money. For example, you might find an opportunity spend less on other expenses Free up money for the salon. Or, regularly put cash in a salon fund to save for these services.

However you pay for salon services, try to tip – and show kindness. For example, use your hairdresser’s name, Gottsman says, and when you’re excited about your new business let his manager know or post an enthusiastic review online.

How and when you can invest in your company


In sports and comedy, they say that timing is everything. The same goes for the growth of a consulting firm – the decisions of when to add another team member, when to hire an executive, when to start a department are critical to the success of a growing consulting firm.

To help entrepreneurs strive for a better business, Bluespring Wealth Partners partnered with industry expert Philip Palaveev to create a roadmap through the “dangerous middle” of the growth phase when companies struggle to make a billion dollar dollar. Business and beyond to grow.

The “dangerous middle” – a term coined by industry guru Michael Kitces, describes the challenge of investing heavily in the company by adding operations managers, investment professionals, building a marketing department and building career paths.

Join Stuart Silverman, President of Bluespring Wealth Partners, for a lively discussion on how to tread the treacherous path of business growth. Stuart will interview advisor Philip Palaveev, CEO of The Ensemble Practice, and entrepreneurs Mike Frazier, President & CEO of Bedell Frazier Investment Counseling, and Tom Fee, Managing Director of $ 1 billion Vector Wealth Management. We want to combine best practices and management theory with the hands-on experience of industry veterans.

In this discussion you will learn:

  • When is the right time to hire a COO and Chief Marketing Officer?
  • What infrastructure does it take to reach a billion in assets?
  • What should be the criteria for accepting partners into the company?
  • How to manage your equity for sustainable growth and talent development

Bluespring Wealth Partners, sponsoring this paper, is a strategic partner with the resources to raise capital, provide advisory expertise, and provide succession planning so that the company you have worked so hard to build can break through from good to great to spectacular .

In the meantime, if you have any questions, please contact Alan Brum at [email protected] or (914) 909-1506.

Funded by

Stuart Silverman
Bluespring asset partner

Philip Palaveev
Managing Director
The ensemble practice

Mike Frazier
President and CEO
Bedell Frazier Investment Advisory, LLC

Tom Fee
Managing Director
Vector wealth management

David Armstrong – host
Editor-in-chief and executive director for content and user engagement

The housing market is insane. Before you buy a home, there are 6 things you should do.


The housing market is charging these days as a shortage of apartments for sale creates strong competition among home buyers. That drives home prices higher and higher.

If you’re looking to buy a home, you better buckle up.

The real estate market remains hot, although things may slow down a bit, according to news sources like CNBC and The Wall Street Journal, among others. Low mortgage rates continue to ensure robust demand and the number of homes for sale is well below normal.

If you are looking to buy a home, you need to be smart and strategic. Keep these six tips in mind:

1. Boost your credit score

Do you want to buy a house? Then now is the time to think about something: your creditworthiness. We know this sounds boring, but it’s really very important if you are looking to get a mortgage at some point in the future.

The higher your score, the better your loan is likely to get. So good credit can save you tens of thousands of dollars over the life of a 30 year mortgage.

If you’re looking to get your creditworthiness back on track – or just want to keep improving it – try a free platform called Credit Sesame.

In a matter of minutes, you can view your credit score, along with a breakdown of the factors that contribute to your credit score and personalized tips on how to better manage your credit score. With a few strategic decisions you can improve your credit score and save thousands.

2. Grow your money 16x faster – without risking it

To buy a home, you need to save money on a down payment.

With a debit card called Aspiration, you can earn up to 5% cashback and up to 16 times the average interest on the money in your account every time you swipe the card. Plus, you never pay a monthly account management fee.

To see how much you could make, enter your email address here, link your bank account, and add at least $ 10 to your account. And don’t worry. Your money is FDIC insured and is subject to military encryption. This is nerd talk for “that’s perfectly safe”.

3. Get paid every time you buy toilet paper

To save that down payment, you should find new ways to save money on everything else. For example, groceries make up a good part of your budget. Everyone has to eat. You can also make some cash back while your groceries are being bagged.

A free app called Fetch Rewards rewards you with gift cards just for buying toilet paper and more than 250 other items in the grocery store.

Here’s how it works: After you’ve downloaded the app, just take a picture of your receipt showing that you’ve purchased an item from one of the brands listed on Fetch. For your efforts, you will receive gift cards for places like Amazon or Walmart.

You can download the free Fetch Rewards app here for free gift cards. Over a million people already have it, so they have to be into something.

4. Stop overpaying for online articles

Here’s another way to save money. Wouldn’t it be nice if you got a notification every time you shop at Amazon or and you’re on the verge of getting ripped off?

This is exactly what this free service does.

Just add it to your browser for free, and before you check out, it will check other websites including Walmart, eBay, and others to see if your item is on sale for a cheaper price. You can also get coupon codes, set up price drop notifications, and even see the item’s price history.

Let’s say you buy a new pair of shoes and assume you’ve found the best price. Here you will receive a pop-up in which you will know whether this particular pair of shoes is available cheaper elsewhere. If coupon codes are available, these will also be automatically applied to your order.

Last year, this saved people $ 160 million. You can get started with just a few clicks to see if you are overpaying online.

5. Get $ 540 / year off your auto insurance in minutes

When it comes to saving for a down payment, reducing your other bills can make a world of difference. When was the last time you checked car insurance prices?

You should buy your options every six months or so – this could save you quite a bit of money. But let’s be honest. It probably isn’t the first thing you think about when you wake up. But it doesn’t have to be.

A website called makes it super easy to compare car insurance prices. Just enter your postcode and age and your options will be displayed.

With, people saved an average of $ 540 per year. That could be money in your pocket just to take a few minutes to consider your options.

6. Stop paying your credit card company

Getting a mortgage on a home is a form of debt. But credit card debt is the most expensive debt out there, and your credit card company gets rich just by ripping you off with high interest rates. However, a website called AmOne can help you fight back.

If you owe your credit card company $ 50,000 or less, AmOne will provide you with a low-interest loan that you can use to pay off every single one of your balances.

The advantage? You have to pay an invoice every month. And because personal loans have lower interest rates (AmOne rates start at 3.49% APR), you become debt free the much faster. Plus: No credit card payment this month.

It takes two minutes to see if you qualify for up to $ 50,000 online. You need to give AmOne a real phone number to qualify, but don’t worry – they won’t spam you with phone calls.

Buying a home is an important step in life. If you follow these strategies, you will get closer to your goal.

Mike Brassfield ([email protected]) is a senior writer at The Penny Hoarder. He’s a homeowner.

RBC announces changes to index funds


RBC Global Asset Management (RBC GAM) announced a number of changes to its lineup of RBC index funds.

As part of the RBC iShares strategic alliance, RBC GAM has announced that it will add five new ETF funds to its portfolio of index-based solutions from January 24, 2022. Funds that will each invest in at least one iShares ETF include:

RBC index ETF funds

Underlying iShares ETF (s)

RBC Global Bond Index ETF Fund

iShares Core US Aggregate Bond ETF (AGG) and iShares Core International Aggregate Bond ETF (IAGG) aiming for a 40/60 split with currency hedging

RBC Canadian Equity Index ETF Fund

iShares Core S & P / TSX Capped Composite Index ETF (XIC)

RBC US equity index ETF fund

iShares Core S&P 500 ETF (IVV)

RBC Global Equity Index ETF Fund

iShares MSCI World ETF (URTH)

RBC Emerging Market Equity Index ETF Fund

iShares Core MSCI Emerging Markets ETF (IEMG)

On the same day, the company renames the RBC Canadian Bond Index Fund to RBC Canadian Bond Index ETF Fund, the RBC US Index Currency Neutral Fund to RBC US Equity Currency Neutral Index ETF Fund, and the RBC International Index Currency Neutral Fund as RBC International Equity Currency Neutral Index ETF Fund.

Is Your Skincare Routine Worth the Price?


If you enjoy taking care of your skin, you have probably already resigned to the fact that skin care products aren’t cheap. Worst of all, those tiny vials of serum and moisturizer always run out faster than you’d expect.

Wouldn’t it be great if you could pamper your skin without breaking your budget? As it turns out, there is a way to do just that – and that’s the approach dermatologists have used for years.

We called a dermatologist to find out which skin care products are actually worth spending the money on – and which ones you can probably do without.

Simplify your routine

With the popularity of the 10-step Korean beauty trend, many consumers have spent more money adding steps to their routine. But dr. Neelam Khan, a certified dermatologist based in Washington, DC, worries that a longer routine will make it harder for people to stay consistent.

Instead, she prefers a simple routine that she learned in medical school. In the morning you should:

  • Use a gentle detergent
  • Apply a vitamin C serum
  • Apply sunscreen and moisturizer

In the evening you should:

  • Use a gentle cleaner and / or makeup remover
  • Apply a retinol or retinoid product
  • Apply a moisturizer

“The most important thing is the consistency of the person using the product,” she said. “I don’t care if it’s something you get at CVS vs. Sephora.”

If any product irritates you, stop using it and try another. But in general, Khan says you can find items that will work at a drug store or grocery store. There are many drug store brands she recommends, including CeraVe and Neutrogena.

Visit a dermatologist

There are some skin care problems that you can solve by yourself. For example, if you have dry, flaky skin in the winter, you can try switching to a stronger moisturizer and recording the results.

But Khan says there are many issues that require professional help. In some cases, you can even save money by seeing a dermatologist before trying a DIY solution. For example, there are several types of acne that an expensive over-the-counter cream may not resolve.

The good news? Your insurance company may cover all or part of a dermatologist visit and even pay for some of the prescriptions they recommend. For example, if you have acne, your insurance can cover a prescription retinoid product that also prevents wrinkles.

If you want to get your money’s worth, bring your skin care products to the appointment for the dermatologist to examine. This way you will know if the products are suitable for your skin.

Avoid the marketing hype

If you read women’s magazines or follow beauty influencers on Instagram, you will likely see claims that a particular product worked wonders on a particular celebrity or individual. And while this may be true for the person in question, there is no guarantee that you will have the same success.

Many celebrities also forget to share their other beauty treatments like fillers and botox. These less affordable treatments are likely more responsible for the lack of wrinkles than any particular brand of retinol.

Remember, when a magazine or influencer promotes a product, they are likely either paid to mention it or they receive a portion of every sale. If you want to read honest reviews, check out sites like or the skin care forums on Reddit.

Spend where it matters

For Khan, getting a facial or buying a fun disposable face mask is more about self-care than creating the perfect skin care routine. For example, a hydrafacial can feel relaxing and exfoliating, but buying and using the right retinol product every day isn’t as important. Also, a hydrafacial for $ 200 to $ 300 apiece is often not worth the money.

“No one treatment is going to make that much of a difference compared to your daily skin care routine at home,” she said. “I would prefer people to spend their everyday lives.”

When it comes to losing money on your skin care products, Khan said you should spend more on products that will last on your skin for a long time.

“If you are looking to spend money on your skin care routine, the cleanser should be the cheapest you can get,” she said. “Even the fanciest cleanser will only be on your skin for a minute. I would prefer someone to spend their money on a leave-on product. “

This will save you money on skin care

Use sunscreen

Dermatologists can clean up years of sun damage, but it costs a lot of time – and money. A less expensive solution is to use sunscreen every day covering the face, neck, and upper chest.

Another big problem Khan sees is people who forget to put retinol on their neck and upper chest. Eventually, if you only apply retinol to your face, you will have an imbalance between your face and the rest of your body. This may also require multiple treatments to correct it.

Use your HSA or FSA

A Flexible Spending Account (FSA) or a Health Savings Account (HSA) is like a special savings account for health spending. The contributions can be deducted from your taxes, which saves you money at the end of the year. If you already have an FSA or HSA, you probably know that these funds can pay for a doctor visit, blood test, or imaging.

But you can also use money from your HSA or FSA to pay for a dermatologist visit and any related prescriptions. Many skin care products are also FSA and HSA enabled, including sunscreen and acne treatment products. For example, if a doctor prescribes you a retinoid, you can pay for it with your FSA or HSA card.

Author's photo

Zina Kumok (145 posts)

Zina Kumok is a freelance writer who specializes in personal finance. As a former reporter, she has covered murder trials, the Final Four, and everything in between. It has been featured in Lifehacker, DailyWorth, and Time. Read how she paid off $ 28,000 in student loans at Conscious Coins in three years.


Act Analytics team joins Sustainalytics


According to an announcement, the minds behind ESG analytics startup Act Analytics will move to Sustainalytics, owned by Morningstar, ESG rating and analytics firm Sustainalytics by the end of October.

Act Analytics Founder and CEO Zachary Dan will take on the role of Director of Digital Innovation at Sustainalytics.

“Sustainalytics gives us an incredible environment to drive innovation and technology in the ESG space,” wrote Dan in a statement “I’m very excited about the data-driven ESG insights we will deliver.”

For readers unfamiliar with Act, the company’s primary platform was designed from the ground up for retail financial advisors and wealth managers to help them have value-driven conversations with their clients.

It uses a proprietary ESG scoring methodology and algorithm that seeks to remove much of the complexities of tools currently available to consultants and has been billed at $ 250 per consultant per month.

In December, Dan and his team launched a news analytics tool that uses real-time natural language processing to identify companies in news stories and calculate an ESG ranking based on the information.

Under the hood, the algorithm identifies sub-narratives, analyzes grammar, topics and calculates sentiment based on 10 ESG categories. The values ​​range from 0 to 100, with zero being the most negative and 100 being the most positive.

It is the mindset and expertise in natural language processing and machine learning application behind this tool and the full Act platform that Morningstar / Sustainalytics recognize in engaging the team.

It was noticeable that there was no mention of Act’s current products and intellectual property.

Many consultants first heard about the company and its platform when they took part in the 2020 season of the FinTech accelerator competition ScratchWorks.

Should I lease or buy a car?


It’s time to upgrade. When you dream of getting behind the wheel of a new vehicle, you know you have options. Are you going to buy a car Or do you lease a car? Either way, unless you have enough cash to pay for the vehicle directly, which is not very common, you will likely need a car loan from the manufacturer or your preferred financial institution. Here’s what you need to know before browsing the dealerships and chatting with private sellers.

Activities before buying a car

First and foremost, let your financial institution know that you are planning on getting a new car. They will help you pre-qualify for a car loan. Your lender will ask about your current income and financial obligations to learn what you can responsibly afford.

Now, if you’re curious to work out some numbers, play with our car loan calculator. You can determine the loan amount that you can qualify for based on your available down payment, interest rate, loan duration, and desired monthly payment amount.

Getting a realistic look at the numbers is an important step in buying a new car because it helps you shop safely. Knowing which payment method will fit your budget can help you make a larger purchase to relieve stress and keep your financial health in tip-top shape, especially if you have other major purchases planned in the future, such as: B. a residential or recreational vehicle.

Buying a car versus leasing a car

A new car is a new car, right? Not exactly. As well as looking to browse brand new or used cars, consider buying or leasing your next vehicle. The main difference is who owns the vehicle while you are driving it.

Leasing a car means borrowing or temporarily renting it from the dealership for a period of time. The period, price per month and maintenance details are set out in the contract you sign with the car dealer. Since you only have the car for a limited amount of time, the monthly payments are usually lower and the interest rates can be better. The payments and incentives vary from manufacturer to manufacturer and are seasonal.

Some leases share or fully cover maintenance costs with the lessee, making this option more financially manageable for first-time buyers. But read the fine print. Most leases limit the number of miles you can drive (and charge a fee for exceeding it) before you return it.

Conversely, buying a car means that once the contract has been signed, you are entirely your responsibility. You are responsible for paying the car loan every month, and after paying the final installment, the vehicle is all yours. You can keep driving it or sell it.

In contrast to a leasing vehicle, you do not return the car to the dealership after the final payment. Some people prefer this option so that they can drive the same car for a long period of time. In addition, the paid-for vehicle has a value and can be used as a trade-in when you buy your next vehicle.

Think about which option makes sense for your lifestyle and finances now and for the next three to five years. This is a common schedule for leases and auto loans.

How does a car loan work?

If you are planning to buy your next car, it is important to learn a little more about how to use a car loan to finance your choice. Your financial institution can help you understand current interest rates, the loan application process, and any fees associated with borrowing a new car.

After a loan has been approved, we will work with you to decide which conditions best suit your lifestyle. For those who qualify, we offer up to 115% mortgage lending value if you need a little extra cash to make repairs or upgrades to your new vehicle. This option is popular when buying from a private seller who, when selling a car “as is”, discloses the vehicle’s immediate need for maintenance.

Once you have the keys to your car, start paying directly to your credit service provider or trusted third party provider. And that’s it! When you’re ready to get your car loan approval rolling or just have questions, contact us today. We are happy to help you make this new car a reality.

Something you want, something you need


4 Christmas Gift Rule – something you want, something you need – download and use the free printable and start a new family tradition.

overwhelmed child sits in front of gifts under the tree
© Choreographer of Getting Images Pro via

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I love Christmas – don’t get me wrong – but is anyone tired of buying too much that has not been touched?

Sure, our kids love tearing off the wrapping paper and it’s exciting, but they don’t like (or need) everything they get.

Instead, we tried to focus on quality gifts rather than quantity.

Do you think this could work for your family?

4 Christmas gift rule: want, need, wear, read

Santa Claus holds gifts

You can use the four-gift Christmas rule to get an idea of ​​what people want.

As a kid, I have to admit that I loved looking through the toy pages in the Argos catalog and listing everything on every single page.

Did i really want it? Probably not!

Did i get it all? I don’t remember (though probably not).

What I remember are individual, striking gifts – the only things I actually wanted and valued.

This is where the rule of four presents, Christmas presents, could work:

Something you want

Something you need

Something to wear

Something to read

Something you want

The first item on the wish list is the big item, the hot toy, and the one gift they want more than anything.

It’s what they’re really desperate for and absolutely love (although it doesn’t have to be the most expensive, just the most wanted).

What did you ask for and do you really, really want?

Ideas could be:

  • Action figures
  • Favorite character toys
  • Video game
  • Game console
  • LEGO
  • Electronic device
  • stuffed animal
  • Board games

Something you need

For an emergency gift, they are looking for something necessary to help them in some way.

Maybe an article to support a hobby, something for school or for studying.

Ideas could be:

  • School supplies
  • Musical instrument / sheet music
  • Sports equipment
  • Art supplies

Something to wear

I think that’s self explanatory.

Shoes, tops, pants – what would you like to wear?

It doesn’t have to be an absolute must, but something that suits their style and that they like.

You could be looking to get them:

  • Pajamas
  • Slippers
  • Dressing gown
  • Football equipment
  • Sports shoes
  • a coat

Something to read

You’re not just looking for a non-fiction book.

There are many different ways you can get children to read.

Think about:

  • Magazine subscription
  • Comic / graphic novel
  • Cookbook
  • biography
  • Poetry book

Sample Christmas Wish List

Here is an example of the free printable wishlist of gift ideas kids could want.

You can download a blank copy from below.

4 Example of a Christmas gift rule

Will it save you money?

It’s an expensive time of year, with the average Briton spending £ 1,116 at Christmas.

Gifts alone account for £ 381.60 of that, according to a YouGov poll.

While we talk about saving money on this website, while the four gift rule can save you money, it’s not necessarily about being ultra-tight.

It’s more about setting criteria for gifts and allowing you to be more controlled and considered when giving them.

I’ve been THE WORST in the past.

I know what the kids want when they make lists. But to try to spread the cost I would randomly buy extra stuff all year round because I see it as a bargain.

The gifts transform into another thing that sits under the Christmas tree and makes it look festive.

Basically, for years I bought things that the kids never really touched.

It was a real waste of money.

Using such a principle for Christmas gifts can ensure that we do not waste money, have unnecessary clutter at home and save ourselves from excessive consumption.

Related: Can’t Afford Christmas? Here’s what to do …

Advantages of a four-gift rule

Thoughtful gift

For the kids, it can teach them to be more thoughtful about what they want and reduce the idea of ​​consuming it.

Children (and adults, if they want to make a list) spend time thinking about what they would like to get.

It can also help people buy fewer gifts, such as gifts. B. Skunks or random gift sets that are not strictly encouraged.

Same approach

Are you struggling with this: kid 1 has 20 presents and kid 2 has 22 so I need to get more to make up for it?

Following a set Christmas wish list rule ensures everyone receives all gifts equally.

Shop less

You may find that using a gift rule reduces the stress of the holiday season because you don’t have to shop as much.

Environmentally friendly Christmas

It’s a greener, more environmentally conscious way to celebrate Christmas.

They reduce clutter and random things that build up around the house over the year and potentially end up in the landfill.

(As an added benefit, you save your back from having to bend down to pack too much stuff!)

Are there any problems with this type of giving?

Is the four-year-old gift rule a new tradition that makes children happy?

Is it a smart move or did it go too far?

Want, need, wear, read freely, printable

Would you like to try the four-gift rule?

Here is a free printable template that you can use to make Christmas lists for your family.

Right click and save to your computer or press and hold and save to your phone.

4 Christmas present rule

Want, need, wear, read for free Christmas wish list PDF download

Download the free PDF file with the four Christmas presents to print out here.

Are all of Santa / Father’s Christmas presents for Christmas?

That’s up to you. We give some presents from us and smaller, stocking presents from Santa Claus.

What is the 5 gift rule?

With 5 gifts for Christmas, the same principle as the 4-gift rule follows. The list is:

The usual what I do want, need, read, wear and “do something” added.

This allows for a special gift for a day trip or some kind of family activity.

What is the 7 gift rule?

The 7 gift rule for Christmas extends things even further:

Something I want, something I need, something to wear, something to read, something to do, something for me, something for the family.

You can adapt and create your own criteria.

What is the 3 gift rule?

In an easier way of giving minimalized gifts, you focus on something they want, something they need, and something to read.

The idea for the three gifts rule may have come about to reflect the three gifts that the wise men gave in Bible history.

Should all children have the same budget?

I suppose it all depends on you. However, I’ve found that children’s wants (and needs) get much more expensive as they age.

As a 4 year old, my daughter wanted a gift that looked huge but was relatively cheap compared to the teen whose request was tiny but cost a lot. You may want to include a budget per child based on their age.

How about a Christmas Eve box?

A Christmas Eve box is different from gifts under the Christmas tree on Christmas morning and could complement / add more gifts, although this is essential.

It comes as a gift on December 24th and is a box of things like pajamas (you could always get matching Christmas pajamas for more fun), fluffy socks, a festive movie (or credit tokens if you don’t want a DVD) , a Christmas book, hot chocolate / marshmallows.

The box brings the family to cuddle and relax on the evening before Christmas.

Next read:

15+ Super Easy DIY Christmas Decorations To Make With Your Kids

How to get a FREE letter from Santa Claus at your home

Online mimes to watch from home for Christmas

Christmas Mince Pies Recipe – 9p each

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