10 Expert Savings Tips to Make the Most of Summer

Summer is finally here, which means most families will be filling up the next 8-10 weeks with backyard parties, beach trips and sporting events. And as you know, these longer, school-free days can get expensive. There will be numerous trips to Target to re-stock your supplies of sunscreen, bug spray, popsicles and swim diapers. And you can also bet on a few extra trips to the ATM to pay the babysitter so mom and dad can enjoy an outdoor concert or two. So is it really possible to enjoy a summer that your future self wonï ¿ ½t hate you for? Some of the top personal finance blogs seem to think so. Here are 10 tips from the experts to help you plan for a memorable summer without draining your bank account. And remember ï ¿ ½ be sure to keep up those automatic deposits into your 529 plan throughout the entire year! Top 4 savings essentials for young families 1. Find an affordable summer travel destination The Simple Dollar blog recommends five areas that offer memorable experiences for a fraction of the cost of other more well-known places. Perhaps youï ¿ ½ve always wanted to visit Napa Valley but your vacation fund ended up going toward more kid-friendly theme parks. Consider a weekend trip to Upstate New Yorkï ¿ ½s Finger Lakes ï ¿ ½ home of gorgeous vineyards and Savingforcollege.com Founder Joe Hurley! 2. Create a summer travel budget If you want to travel this summer, Wise Bread insists you plan ahead with a designated vacation budget. Remember to keep it realistic. As mentioned in the previous slide, while you may dream of Napa, your wallet says Upstate New York. A savings account dedicated to your trip will help you stick to your budget, and by cutting down on unnecessary expenses you might be able to find more ways to fund it. 3. Get your finances organized U.S. Newï ¿ ½s My Money blog suggests preparing for summer expenses in advance by saving $50 a week for activities. Itï ¿ ½s also a good idea to make a list of affordable events and destinations so youï ¿ ½ll always have a last minute, cheap, back up plan on hand. 4. Get creative about summer camps Get Rich Slowly reminds us that there is nothing scarier than two months of schedule-free children. But letï ¿ ½s face it - summer camps arenï ¿ ½t cheap. Start by looking into your local churches and schools to see if they offer any free or discounted options. Next decide how much you want to (and can afford to) spend. Create a budget for summer camps just as you would for travel. 5. Find frugal ways to have fun Have you ever considered teaming up with other neighborhood parents to entertain the kids? Personal Finance blog Money Crashers suggests taking turns with other families hosting dinners and kids activities, so that you can share the costs (and the work!) 6. Develop a routine Although summer days are technically longer, the season itself tends to be over before you know it. The Money Saving Mom makes sure her family gets the most out of summer by creating loosely scheduled daily routines. By having a plan, youï ¿ ½ll be more likely to get more fun activities in while sticking to your budget. 7. Face the facts One of my favorite pieces of advice comes from Daily Finance, and thatï ¿ ½s to be honest with yourself. If you know you spend more on certain items during the summer months, increase your budget so you donï ¿ ½t come up short. 8. Donï ¿ ½t forget to use coupons Coupons arenï ¿ ½t just for groceries. In fact, many summertime events offer promo codes you can use to get discounts as long as you plan ahead. GoGirl Finance suggests signing up for emails from entertainment venues to get access to the best deals. 9. Make extra income Having the summer off is great, but many teachers end up spending their time off looking for ways to bring in extra money. The Penny Hoarder blog lists some interesting ideas beyond typical babysitting jobs. For example, Moms or Dads might consider teaching English as a second language since these jobs tend to pay well and generally a flexible schedule. 10. Keep your teens busy You may be excited to have your college kids come home for the summer - until they do and then wonï ¿ ½t get off the couch. Remember, back at school it was perfectly acceptable to sleep until 1:00pm and watch Netflix marathons all day. Fear not! The College Investor gives some ideas to keep your teens busy with activities that actually look good on a scholarship or job application. Summer is finally here, which means most families will be filling up the next 8-10 weeks with backyard parties, beach trips and sporting events. And as you know, these longer, school-free days can get expensive. There will be numerous trips to Target to re-stock your supplies of sunscreen, bug spray, popsicles and swim diapers. And you can also bet on a few extra trips to the ATM to pay the babysitter so mom and dad can enjoy an outdoor concert or two. So is it really possible to enjoy a summer that your future self wonï ¿ ½t hate you for? Some of the top personal finance blogs seem to think so. Here are 10 tips from the experts to help you plan for a memorable summer without draining your bank account. And remember ï ¿ ½ be sure to keep up those automatic deposits into your 529 plan throughout the entire year! Top 4 savings essentials for young families 1. Find an affordable summer travel destination The Simple Dollar blog recommends five areas that offer memorable experiences for a fraction of the cost of other more well-known places. Perhaps youï ¿ ½ve always wanted to visit Napa Valley but your vacation fund ended up going toward more kid-friendly theme parks. Consider a weekend trip to Upstate New Yorkï ¿ ½s Finger Lakes ï ¿ ½ home of gorgeous vineyards and Savingforcollege.com Founder Joe Hurley! 2. Create a summer travel budget If you want to travel this summer, Wise Bread insists you plan ahead with a designated vacation budget. Remember to keep it realistic. As mentioned in the previous slide, while you may dream of Napa, your wallet says Upstate New York. A savings account dedicated to your trip will help you stick to your budget, and by cutting down on unnecessary expenses you might be able to find more ways to fund it. 3. Get your finances organized U.S. Newï ¿ ½s My Money blog suggests preparing for summer expenses in advance by saving $50 a week for activities. Itï ¿ ½s also a good idea to make a list of affordable events and destinations so youï ¿ ½ll always have a last minute, cheap, back up plan on hand. 4. Get creative about summer camps Get Rich Slowly reminds us that there is nothing scarier than two months of schedule-free children. But letï ¿ ½s face it - summer camps arenï ¿ ½t cheap. Start by looking into your local churches and schools to see if they offer any free or discounted options. Next decide how much you want to (and can afford to) spend. Create a budget for summer camps just as you would for travel. 5. Find frugal ways to have fun Have you ever considered teaming up with other neighborhood parents to entertain the kids? Personal Finance blog Money Crashers suggests taking turns with other families hosting dinners and kids activities, so that you can share the costs (and the work!) 6. Develop a routine Although summer days are technically longer, the season itself tends to be over before you know it. The Money Saving Mom makes sure her family gets the most out of summer by creating loosely scheduled daily routines. By having a plan, youï ¿ ½ll be more likely to get more fun activities in while sticking to your budget. 7. Face the facts One of my favorite pieces of advice comes from Daily Finance, and thatï ¿ ½s to be honest with yourself. If you know you spend more on certain items during the summer months, increase your budget so you donï ¿ ½t come up short. 8. Donï ¿ ½t forget to use coupons Coupons arenï ¿ ½t just for groceries. In fact, many summertime events offer promo codes you can use to get discounts as long as you plan ahead. GoGirl Finance suggests signing up for emails from entertainment venues to get access to the best deals. 9. Make extra income Having the summer off is great, but many teachers end up spending their time off looking for ways to bring in extra money. The Penny Hoarder blog lists some interesting ideas beyond typical babysitting jobs. For example, Moms or Dads might consider teaching English as a second language since these jobs tend to pay well and generally a flexible schedule. 10. Keep your teens busy You may be excited to have your college kids come home for the summer - until they do and then wonï ¿ ½t get off the couch. Remember, back at school it was perfectly acceptable to sleep until 1:00pm and watch Netflix marathons all day. Fear not! The College Investor gives some ideas to keep your teens busy with activities that actually look good on a scholarship or job application.

U.s. Health Care Delivery System - 846 Words

Final Exam 1. What are the basic characteristics that differentiate the U.S. health care delivery system from that of other countries? The U.S. health care delivery system is very complex because it is not a universal health system governed solely by the federal government. Only Americans with health care insurance coverage receive routine health services. Health insurance can be purchased in the private market or provided by the federal government. The uninsured and poor population acquire health insurance by government funded health care called Medicare and Medicaid. Medicare and Medicaid is the largest payer of health care services in the United States with Medicaid providing health services to about 72.5 million and Medicare provides health coverage to more than 55 million (CMS, 2015). Another unique characteristic of the U.S. health system is that no one agency governs the U.S. health systems because it contains multiple third party payers. Third party payer are critical to the system beca use they serve as a buffer between financing health services and the actual delivery of health services. Other countries such as Canada, Germany, and most of Western Europe have universal health insurance programs. One huge difference between health systems in the U.S. versus other countries is that in other countries citizens are entitled to health care services, especially for routine and basic care (Shi Singh, 2013, p. 1). According to Teitelbaum Wilensky (2012), the UnitedShow MoreRelatedHistory of the U.S. Health Care Delivery System1169 Words   |  5 PagesIntroduction: In order to understand current health delivery services changes and formulate predictions, one must thoroughly comprehend the three developmental eras of the health care system. The evolution of our current health care system began in 1850, and has metamorphosed in three time periods, 1850 to 1900, 1900 to World War II (WW II), and WW II to 2009. 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Its mission is to have universal access with better quality.Read MoreUs Health Care System Essay1460 Words   |  6 PagesRUNNING HEADER: Health Care Systems in the U.S. Health Care Systems in the U.S. By Terry Scott University of Phoenix HCS/531 – Health Care Organizations and Delivery Systems Kenneth Feldman November 7, 2011 This paper will review the U.S. Health Care System and evaluate what a health care system is, implications of beliefs and values on a health care system, provide examples of various models of health care used in American and explain how the health care system applies to modelsRead MoreThe U.s. Health Care System886 Words   |  4 PagesThe U.S. Health Care System is very unique; it is mostly based on cultural, social and economic factors. Within the system exists various subsystems of several interrelated and interdependent components. 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The United States health systemRead MoreHealth Care Delivery And Health Services Delivery1245 Words   |  5 Pagesunique system of health care delivery. For the purposes of this discussion, â€Å"health care delivery† and â€Å"health services delivery† can have slightly different meaning, but in a broad sense, both terms refer to the major components of the system and the processes that enable people to receive health care. In a more restricted sense, the terms refer to the act of providing health care services to patients†¦,† (Major Char acteristics, n.d.). Concepts, Principles and Application of the U.S. healthcare

On August 6, 1945 The United States Revolutionized Warfare

On August 6, 1945 the United States revolutionized warfare by dropping an atomic bomb on Hiroshima, Japan. President Truman jotted down in his diary, â€Å"We have discovered the most terrible bomb in the history of the world. It may be the fire destruction prophesied in the Euphrates Valley Era, after Noah and his fabulous Ark† (Sadao 103). There has been much controversy regarding this brutal attack on the Japanese, which according to the American Historian, John A. Garraty, it is known to be â€Å"the most controversial decision of the entire war† (Walker 324). Many have confused their memory of World War history, and are unsure what is a myth and what is a fact (Sherwin 1091). The United States was justified by dropping the atomic bomb on†¦show more content†¦The atomic bomb was uniquely crafted and extremely different than any other bomb, which meant there was a great amount of pressure from scientists and others to use the bomb (Suzuki 88). With that in mind, Truman needed to explain why two billion dollars had been invested in material and skill for this project, also known as the â€Å"Manhattan Project† (Sadao 108). In a 1958 television interview Edward R. Murrow questioned Truman if he had any regrets and Truman responded by stating, â€Å"to have a weapon to win the war and not use it would be ‘foolish’† (Sadao 102; Sherwin 1085). This war was the perfect incentive to use these new weapons created by the tactics of urban bombing (Sherwin 1085). Following its creation, the atomic bomb was used to end the war quickly because the Japanese resolutely refused to surrender (Suzuki 88). In August 1983 the well-known Japanologist and former ambassador to Japan Edwin O. Reischauer created a furor in Japan by writing in the Boston Globe that but for the bomb the Japanese would have â€Å"fought on to extinction.† This means that the bomb not only saved millions of lives but also preserved Japan â€Å"as a nation†(Sadao 100). The Japanese had already suffered greatly from air bombardments and naval blockades as well as their armed forces were deprived, but the Japanese were still far from surrender (Morton 342). It was necessary for the U.S. to drop the atomic bombs, because evenShow MoreRelatedB-29: The Airplane that Changed the World1366 Words   |  6 Pagescore few of these many inventions can be said to change air warfare, and few of those are as game-changing as the B-29 Superfortress by Boeing. The B-29 was the p lane that dropped the atomic bombs in World War Two (â€Å"bomber†). The plane by Boeing was used most in World War Two as a strategic long-range bomber. This invention revolutionized the concept of war, and war is a factor in all life on planet earth. The B-29 bomber changed warfare by sparking the innovation of aircraft technology, saving livesRead MoreThe Bombing Of Japan During The World War II1572 Words   |  7 Pages World War II was a war that lasted about 6 years. 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This ongoing state of economic affair during the industrial era was termed as Pentagon capitalism by an industrial engineer named Seymour Melman (Misa, pg. 251). According to him, it was a really gloomy time because the capitalism went fro m being ‘profit maximizing’

Hole free essay sample

Asbury Park, New Jersey is a beach community past its prime. The Stone Pony is the only living monument on a desolate strip of beach lined with the empty shells of pastel-colored hotels. It was in this legendary Stone Pony where I experienced Hole live. As my brother and I joined the line, an overwhelming sense of community flooded me. I didnt see any Top 40 kids there to sing along. Hole never gets any radio time. Instead I saw the beautiful faces of those who were there to experience something magical. We entered the oversold club and waited. There was a seemingly endless swarm of teenage boys in Nirvana T-shirts there to gawk at the widow of their hero. The moshing began even before the music did, making it seem as though someone had pressed a mute button. The floor rumbled under the feet of the few standing observers, as the monotonous hum of the very mediocre opening band, Madder Rose, played. We will write a custom essay sample on Hole or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page As soon as the dim orangy lights came on overhead, the sardine-like cramming began. As if possessing one brain, the entire crowd seemed to take a simultaneous step toward the stage. The stage crew began to set up, strewing parts of plastic baby dolls and lighting chunky white candles all over the amps and floor. The lights dimmed. A single violet spotlight rested on the center stage. Possessed with her aura, the entire crowd stared as she stepped gracefully into the light. The bleached-blonde was attired in her trademark red velvet baby doll dress and Mary Jane shoes, flashing a fragile, almost sarcastic smile. Courtney Love strummed the first notes, and the now red spotlight reflected off the golden wedding band she still wears. The audience surged upward with the music, mesmerized. Holes power and strong stage persona as a band, not just a woman, had clearly taken over. No one tried to control the spotlight. The newly implanted bassist, Melissa, was still warming up to the structure of the band, but her playing was clean and inventive; her harmonizing meticulously in tune. Through mid-show, Courtney picked up a ratty-haired, pathetic-looking Barbie doll, and displayed its warped idea of femininity to the crowd. This is the enemy, she said, hurling the plastic controversy toward us. Perhaps the most memorable moment of the show was Holes rendition of Asking For It. Courtney repeated one haunting line painfully, letting the scars and still-open wounds bleed through the music. Looking off to stage right where her almost three-year-old daughter stood, she repeated: If you live through this with me, I swear that I would die for you She also added a disturbing line onto Miss World, referring to herself as the one who should have died. Courtney Love sang like she was talking to each one of us through her battered soul. Hole finished their hour and a half set with Beautiful Son. Consisting of only three chords, it rang with a rage that few songs can emulate. The song is a searing tribute to Kurts habit of wearing a dress on-stage to taunt critics and to confront the narcissism and virile attitude accompanied with being a rock star. His feminist view was as strong as his wifes. As Hole left the stage, my ears rang, and my mind flooded with pictures. I would never forget that moment, standing on the dirty concrete floor. Hole had proven one thing that night amid the hype and controversy that forever follow Courtney Love: they will rock for whomever will listen, and shine with an opulence that could dim any diamond