Birthday Gift Ideas For Kids 10 And Under That Aren't Toys

Struggling with birthday gift ideas for kids under 10? We’ve got you covered!

You’d think with having the whole world at our fingertips that finding the perfect birthday gift for our little ones would be a piece of cake. With so many user-friendly apps and online stores with an abundance of toys and gifts to choose from, it’s almost as if you don’t have to put any thought into your shopping at all.

But isn’t that the problem? For consumers, everything is always well within reach or suggested to us via clever marketing. But what about a gift that really means something? A gift that won’t end up at the bottom of the toy box with all the other plastic toys that they own but don’t even play with…? Well, here you’ll find 5 of the most popular gifts for children under 10 years old and none of them are toys.

An Investment In Their Future

Sure, your kids can’t play with a savings accounts – not until they’re older anyway – but investing in their futures and putting something away for them to utilize when they’re older is a wonderful commitment and gesture of love. Check out Golden Eagle Coin for investment pieces as well as somewhere to buy silver bars, gold coins and other items, you can also get the latest information on items that will increase in value over time. Alternatively, speak to your local bank about an IRA or a savings account.

Lessons

Do you have a budding Picasso at home? Or even a mini Serena Williams? If your child has a passion or a hobby, why not help them take it a step further with some lessons in their favorite interest? Not only will it give them more confidence, but it could even take them down a career path when they’re older. In addition, joining things like dance schools, theatre groups or sports teams allows them to experience things like competitions or exhibitions, the value of teamwork, or focusing on tapping into their own creativity. It’s character-building, to say the least.

A Dress-up Box

All children enjoy dressing up as their favorite princess or superhero, but what about something more realistic? Simply go through your wardrobe at home and see if you have any items you can donate. Hats, scarves, trousers, shoes, bags, costume jewelry, dresses, gloves, etc. Or visit your local thrift shop and see what you can find. Let their imagination run wild!

A Charitable Donation

The gift of giving is a wonderful thing, especially to those less fortunate than ourselves. So, incorporating a donation as a gift will teach your children about charity, kindness and it will make them feel good. This could be sponsoring a child in a foreign country, helping to plant more trees, sponsoring an endangered animal or even adopting an animal at a local rescue center.

Time

They say the greatest gift you can give any child is your time. So, take a weekend and dedicate it to some quality time. Let your child decide where they want to go, what they want to do, and make sure you take plenty of photographs to document that time spent together. You can have a photo book made so your child can look back on those fun memories.

Do you have any other gift ideas to add to this list?

Southern Caviar aka Black Eyed Pea Salad Recipe

Over the years, I have been to several events where a special dish called "Southern Caviar" was on the buffet table. I have tried it a few times and loved it so much. If you've never tried it before, it's a flavorful and fresh dip/salsa/salad that you eat with tortilla chips. I recently got to thinking about making it myself and did a Pinterest search for recipes. I was overwhelmed by the number of recipes that popped up. I think I gave up after viewing so many and finally decided on a few that really looked delicious. 

I ended up using those recipes as a guide to making my own version. When I made it, I was afraid because it was A LOT. Trust me, we didn't have a whole lot left over once the family tried it. It is so good that you can't stop eating it. The best part is that it's easy to make with no cooking required, which is perfect during the hotter months. Check out the recipe below. 

Ingredients:
2 cans of black eyed peas (drained and rinsed)
1/2 can of black beans (drained and rinsed)
1/2 bag of thawed frozen sweet corn
1/2 cup of finely diced cucumber
1/2 of a medium red onion finely minced
1 jalapeno seeded and finely minced
1 rib of celery finely diced
3 Roma tomatoes chopped
chopped cilantro to your taste, about 3 tbsp

Dressing:
Kosher salt and cracked pepper to taste
5 tbsp olive oil
5 tbsp apple cider vinegar
1 1/2 tsp of sugar

Place all ingredients into a large bowl. Mix dressing ingredients in a small bowl or measuring cup. Toss everything together and serve with your favorite tortilla chips. Easy, huh?

You are supposed to let it sit in the fridge for a couple hours, but some of us could not wait. It is so good with the scoopable variety of tortilla chips or even corn chips. This would be perfect on top of Jasmine rice and then topped with chopped avocado as a vegetarian bowl. Yum!

Check out these other delcious recipes:
The Perfect Potato Salad To Take To A Cookout
Perfect Margarita Recipe
4 Ingredient Greek Pasta Salad

If you try this recipe, let me know what you think. Thanks for stopping by!

Display Your Special Memories With Canvas Factory (Giveaway)

Something that I believe many of us have in common is the outrageous amount of photos we have on our phone camera rolls, memory cards and on our computers. I think of all of the vacations, birthdays, graduations, celebrations, and everyday moments we have captured digitally. Our younger daughter graduated last month from the University of South Carolina, and I immediately knew I wanted our family picture with our graduate on a canvas.

I was recently introduced to Canvas Factory. They offer an easy way to upload your photos, even from your social media accounts, and turn them into a beautiful canvas. Your canvas will arrive ready-to-hang on your wall because the canvas is stretched and wrapped around a wooden frame. It's a nice way to display your memories to enjoy for the years to come.

The process of ordering your canvas couldn't be easier. It took me around 7 minutes from start to finish. Thankfully I had already chosen my photo ahead of time, so that helped to speed up the process. You have the choices of canvas size/shape, how you want the "wrap" (the edges that get wrapped around the sides of canvas), and if you want to add any type of color effect. You can check out as a guest or sign up for an account. It's just so easy! Also, they offer amazing sale prices all the time, so make sure you sign up for their email list.

This is what we had made. Isn't it beautiful? The quality is top notch, and the color is rich and vibrant. We are excited to add it to a wall of canvas prints in our living room. I have the biggest smile when I glance over and see this print.

Now that you've seen how easy it is to use Canvas Factory for your canvas prints, it's time to try them out for yourself. One lucky reader will win a code good for a FREE 20"x16" Canvas (40x50cm) or 18x12inch (45x30cm). Enter below:
a Rafflecopter giveaway
This giveaway is open to Canada & U.S. Residents only and ends on July 15, 2019. Must follow rules in Rafflecopter. One winner will be chosen randomly. Mom Files is not responsible for any lost or stolen prizes. Good luck!

How to Create the Perfect Accessorized Look in a Unique Way

Accessories can make or break an outfit, yet people often put on those things they are most comfortable or familiar with rather than truly using these items to enhance their outfit. Don’t make this mistake. With the right accessories, you can create a look that is truly your own and one that makes you look and feel great everywhere you go. Following are some guidelines to help you achieve this goal.

Photo by S O C I A L . C U T on Unsplash

Choose All Accessories Carefully

Every item in an outfit is of importance. This includes the accessories one chooses to put on each day. For example, men and women often wear the same pair of glasses every day, never stopping to consider that their glasses should coordinate with their entire look. Check out the Zig eyewear selection to see how changing up your glasses can transform your look and enhance your style in no time at all. With many styles to select from, finding multiple pairs you love will be easy.

Go Bold

Don’t hesitate to go bold when it comes to choosing accessories. For instance, pair an outfit in neutral colors with a bright handbag and shoes. Not only does this add interest to the outfit, but it also helps to break up the monotony of the neutral tones. A person will find by making this simple change he or she can take a boring outfit and turn it into one that makes a fashion statement in a matter of seconds.

Scale the Accessories

Outfits with a big and bold pattern pair well with simple accessories. In contrast, a solid color outfit can easily be dressed up with some oversized, statement pieces. Keep this in mind when choosing accessories for an outfit to create a look that is truly your own. The size of the wearer should also be taken into consideration. A woman who is very petite should not choose accessories that are oversized, as they may leave her looking as if she is playing dress up with her mother’s items.

Skin Tone

Humans either have warm or cool skin tones, and this should be kept in mind when choosing accessories. For instance, a person with cool skin tones tends to look better in silver jewelry. In contrast, those with a warm skin tone find their appearance is enhanced when they choose pieces in gold. Anyone who is unsure of which category they fall into should obtain this information before choosing new accessories to ensure they pick those items that truly add to their appearance and help them look and feel their best.

Photo by Austin Distel on Unsplash

Communicate a Message

The clothing a person chooses communicates a message whether they want it to or not. For example, a person in a business suit tends to look professional. However, when the business suit is paired with athletic shoes, others may get a different impression. For this reason, all parts of the outfit should project the same image. This helps other people to get a clearer sense of the person and what he or she is trying to convey with their clothing choices.

Don’t overlook accessories when putting together an outfit. By taking the time to add one or more items that truly complete the look, a person can transform their appearance in no time at all. Furthermore, the accessories help the individual create a look that is truly unique even when someone else in the room is wearing the exact same items. Small details do make a difference, so remember this when dressing every day for great results.

Thanks for stopping by today!

The Perfect Potato Salad To Take To A Cookout

I don't know about you, but I think the side dishes at a cookout are the best part of the meal. I admit I will often pass up the grilled meats for a plate of just sides. One of my all-time favorites is potato salad. That is one dish that not everyone can make well. The food snob in me judges other people's potato salad mighty hard. HA! Seriously though, I make an excellent one that everyone raves about. Today I am sharing my recipe with you all.

Ingredients: 

Red potatoes (about 6-7 medium size)
2 whole large eggs
Finely chopped red bell pepper, green bell pepper, red onion, and Italian parsley
1/2 cup frozen sweet peas, thawed
Dressing ingredients:
3/4 cup mayonnaise
2 tbsp yellow mustard
2 tbsp pickle relish
1 tsp white sugar
1 tsp apple cider vinegar
salt and pepper to taste
a few splashes of hot sauce (optional)

How to make it: 

Slice potatoes in even pieces, about 1/4 inch thick. I like to leave most of the skin on mine for added color and texture. Rinse and place them in a large pot of cold water. Salt generously! Place the 2 whole eggs on top of potatoes so they can cook at the same time. Boil until potatoes are fork tender about 10 minutes. Do not overcook! Scoop eggs out and place in ice water (this makes for easier peeling). Drain potatoes and place on a large plate or dish to cool down.

While potatoes cool, combine your dressing ingredients so that the sugar dissolves. Peel and chop the boiled eggs. Once the potatoes are mostly cool, you gently toss together all of your ingredients. Add salt, pepper, and hot sauce to taste. Be careful with adding salt since your potatoes should already be salty and the dressing ingredients have salt in them. Chill in refrigerator for a few hours or overnight. Enjoy!

Quick tips:
If you do not care for mayo, you can substitute it with fat-free sour cream or Greek yogurt.
You can customize your vegetables or add-ins by using celery, carrots, bacon, or whatever you fancy.

This potato salad recipe took me a few years of tweaking and perfecting and is what I have been using for years. I'm often asked to bring it to a cookout or party. I love that you can make it ahead of time so there is no stress on the day you need it. I hope you try my recipe. Thanks for stopping by today!

You may also like:
Best Deviled Eggs Recipe
The Perfect Margarita Recipe
Shelly's Easy & Moist Meatloaf

A Healthy Diet: 3 Health Benefits of Non Alcoholic Red Wine

There is a lot of evidence that points to the many health benefits of drinking a glass of red wine. It contains antioxidants, it helps with heart health and it can lower cholesterol. These are just a few of the noted health benefits.

If you prefer not to drink alcohol, no worries. You can drink non alcoholic red wine and still enjoy some of the same benefits. In fact, some studies suggest that non-alcoholic wine might actually have stronger health benefits. Let’s take a closer look at some of those benefits.

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1. Lowering blood pressure

Both red wine and non-alcoholic red wine contain antioxidants called polyphenols. This antioxidant helps to boost levels of the body’s nitric oxide, which helps to lower blood pressure. This happens when the nitric oxide helps the blood vessels to relax, and it allows more blood to reach the heart and other organs.

Studies have also found that polyphenols are good for their anti-inflammatory and antioxidant properties. This can be helpful for those who are combating Type 2 diabetes, as well as being beneficial for heart health.

Interestingly, some studies show that the alcoholic version does not help as much as non-alcoholic wine. The theory is that the addition of alcohol somehow diminishes the health properties of the antioxidants.

2. Fewer Calories

Many people spend a good deal of time at the gym and trying to eat a healthy diet. This may be because you want to lose some weight or you are just trying to live a healthy lifestyle. With all the health benefits of red wine, is it possible to fit in a glass with your diet? Yes!

In fact, non alcoholic red wine has 3 times fewer calories than their alcoholic versions. This is a win for those looking to add glass in for the antioxidant benefits. It is absolutely possible to enjoy a nightly glass of non-alcoholic red wine, and you can easily fit those few calories into your daily diet and exercise plan.

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3. More natural ingredients

Not only are non alcoholic red wines full of heart-healthy benefits and fewer calories, but they also contain better ingredients. When alcohol is added to wine, usually sugar, artificial colors, and dyes are added as well. The non-alcoholic red wine is not likely to contain these ingredients. This can be beneficial to those who are sensitive to artificial colors and dyes.

Drinking a non alcoholic red wine allows you to enjoy the taste of wine, benefit from the antioxidants and not fill up on sugar or empty calories. Some people also feel that their sensitivity to artificial dyes and colors are what contributes to their headaches when drinking wine. So, people with these sensitivities can continue to enjoy a glass of non-alcoholic wine without fearing a headache.

Conclusion:
Non alcoholic red wine is a great alternative to an alcoholic version. You will still reap the same health benefits, consume 3 times fewer calories, and will not be bothered by artificial dyes or colors.

Seasonal Skincare: Transitioning from Spring to Summer

As spring turns into summer, we all prepare for the warmer temperatures. Pants change to shorts and women often wear dresses to beat the heat. There are many ways in which the season changes affect our daily lives, including skin care. When the temperatures begin to get warmer, it is important to consider seasonal changes to your skin care. An example of this would be the hydration that Squalane oil can provide. As the temperatures may dry out your skin, you can benefit from additional skin care therapies. 

Photo by Vitória Santos from Pexels

Products To Try

Every individual is different, so while one person may have dry skin during the summer, another may have oily skin. It is important to take note as to how your skin reacts during each season and add products accordingly. During the summer, Matrixyl and hyaluronic acid work well on the skin. Finding the Best hyaluronic acid serum and matrixyl products can assist in your skin care regimen. 

With matrixyl, you have a product that helps to reduce the signs of aging. The product contains Matrikines which is an anti-wrinkle complex. The skin is taught to behave differently, with the restricting of the papillary dermis network taking place. 

With hyaluronic acid serum, you have a product that provides much-needed moisture and hydration. Apply the serum in the morning and at night to see the best results. 

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Creating Habits

Once new products have been purchased and a skin care regimen created, stick with it. Wash your face morning and night and take time to treat the skin. Over time, you will see quality results and want to continue to have glowing and beautiful skin. 

Set timers for yourself or try to clean your face at the same times each day. This will help you to create a habit that works so you can see long-lasting results! 

An Untapped Goldmine: 5 Items You May Find Lying Around Your House That Are Worth a Small Fortune

When you’re looking to make fast money or just to do a little bit of decluttering, you might be surprised to learn that you may have an untapped goldmine in your home. That’s right, you probably have a few items lying around the house that can fetch you more than a pretty penny. Check out this list of five things you just might have that can give your income a light boost.

1. Toys
Whether you are a parent or not, there is a good chance that you have a few toys around the house. Most people who have children in their lives undoubtedly have some playthings somewhere, and if you’re lucky, you just might be able to sell them for some extra money. For instance, selling Transformers toys can be more lucrative than you think. Other options include popular movie franchise toys, vintage toys, and even happy meal toys.

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2. Clothes and Shoes
You may be surprised at just how much you can make by putting gently used clothing and shoes on consignment. There are many types of consignment shops. Growing in popularity are online based shops that sell authenticated high-end merchandise, including accessories like purses and belts. Millennials are known for being frugal, so there is quite a large demand for quality second-hand things. Vintage never really goes out of style, which means your clothes from the 1960s and 1970s can be just as popular and sought after as something more modern or high-end name brand.

3. Electronics
Electronics, old and new can prove to be very valuable. Things like calculators, cathode ray monitors, PC laptops, game consoles, cameras, VHS tapes, and VCRs can be sold for more than you think. Although many of these things may seem obsolete, there are people who break them down for parts and metals. Other people are collectors and are looking for nostalgic electronics from yesteryear. Some folk have taken excellent care of their record players, CD players, game consoles and other items and are looking for games, records or tapes to use.

4. Precious Metals
Almost everyone has jewelry that is either damaged or unwanted. You can turn your useless jewelry into cash. To make the maximum profit off of your unwanted rings, watches, necklaces and more it helps to know the current value of the precious metals you have.

5. Old Music
They say that music is a universal language. And in many respects it certainly is, which is why you can make a small or a not so small fortune on your old vinyl records, CDs, cassette tapes and 8-track tapes. With the emergence of digital music and the ability to digitally store your music, it makes a lot of sense to upload your hard copy music and sell it. This is an especially good idea if you’ve got some special editions, signed covers or otherwise notable albums.

You’ve heard the saying, “One man’s trash is another man’s treasure.” Well, this is certainly true when it comes to some of the things you may have sitting around the house. Extra money can come in many different shapes and sizes, so when you’re combing the house for things you can offload for a profit, be sure to keep an open mind. You may be surprised at what’s right under your nose and just how much someone will be willing to pay you for it.

When To Call An Emergency Dentist

One of the most painful and scary times in a person's life can be with a dental issue. There are many people who look at some situations with tooth pain to be not important and something that would just go away, however, some of the situations actually signify a dental emergency. Therefore, it is better to be seen faster when the issue arises rather than wait till later, a can mean the health of your life.

Some Signs Of Emergency Dental Situations

Mouth pain and toothaches can occur in a variety and degree of pain level for each individual. Understanding and acknowledging why it is an emergency and what is not can help you not only save money but help you avoid the pain more effectively. WebMD voices, any dental emergency like an injury to the teeth or gums can be potentially serious and should not be ignored. Ignoring a dental problem can increase the risk of permanent damage as well as the need for more extensive and expensive treatment later on. The signs mentioned below are some diagnoses that you could use an emergency dentist as soon as possible.

• Loose Or Movable Teeth: There are only certain times that having a loose tooth in your life where it is acceptable, usually this starts at an early age when your adult teeth are growing in. However, as an adult, if you have a loose tooth, it could indicate there may be a tooth entry and it could cause severe pain and you should see a dentist immediately.

Some people come to assume that if their teeth appear to be in the proper condition they may not need a dentist. However, loose teeth can cause life-altering problems if not properly cared for. For example, it can cause you to stop eating or speaking and could impair the nerves that are within your jaw and over time the tooth damage will get worse. According to Forbes, the ADA study also found that: More than 30% of young adults have untreated tooth decay (the highest of any age group), 35% have trouble biting and chewing, Some 38% of this age group find life in general "less satisfying" due to teeth and mouth problems. Having this unbearable toothache resulting from decay will warrant a visit to an emergency dentist, as stated by Val Daniyar, a cosmetic dentist from Naples, FL.

• Signs Of Infection: This is also a good indicator that you have tooth damage and infection will act as a loose tooth. If you get the treatment done as soon as possible you can potentially avoid having the teeth extracted out of your mouth and avoid the infection from spreading. American Dental Association shares, the mouth is a gateway into your body's overall health.

• Bleeding Gums And Toothache: Almost every dentist requires you to floss your teeth after you brush, however, most people are not used to doing this on a daily basis. If you go to brush your teeth and your gums are bleeding, it could be an indicator of gum disease.

Almost everyone who gets gum disease, if left untreated could leave their teeth the inability to be restored properly. Gum disease can increase the risk of heart disease and diabetes, and among pregnant women, it is correlated with lower birth weights for their babies. On another note, if you have any signs of any toothache seen a dentist is essential because there could be various indicators and other causes behind each tooth week.

• Abscess And Swollen Jaw: For people who have an abscessed tooth may not understand the severity that a can do to your well-being and health. If you have an abscessed tooth seeing a dentist right away is vital to your life.

For example, abscessed teeth are connected close to your nerve endings which are found at the roots in your teeth, which are directly connected to your brain. In addition to fevers, swollen jaws, mouth pus and more problems that can lead to life-altering habits, getting an infection drain from a dental abscess requires a treatment plan, as well as draining the entire blockage to get rid of any bacteria that is starting to grow in the mouth.

• Recurring Headaches: Headaches have been known to be caused by lifestyles and other causes, however, if you have chronic headaches it could mean that your mouth and teeth are the underlying problems that are causing the chronic headaches. Seeing a dentist can keep you the appropriate amount of treatment such as a mouth guard to help prevent grinding and constant jaw tension, which is a chronic headache cause.

In addition, if you also notice you are becoming more tired or if your mouth has a metal-like taste, this could indicate signs of infection or if one of your teeth becomes cracked. These are also indicators that can cause headaches to continue and become problematic for those who are experiencing them. Seeing a dentist right away can give you the treatment that has proven to fix these problems instantly.

When Is The Right Time To Call The Emergency Dentist?

There are many indicators to understand when the right time to call a dentist. Any of the signs mentioned above, calling a dentist this is possible can help eliminate the underlying issue sooner rather than later. Other examples are if any over-the-counter pain relievers do not help relieve any tooth pain, calling the dentist could potentially help you save your teeth and your health. If you have knocked out a tooth, for another example, a dentist has the ability to re-plant teeth into sockets professionally, avoiding futuristic problems that could occur. It is important to understand to not touch any damage to or avoid eating when a tooth is knocked out as it could damage the roots or cause the tooth to not be held be put back into the socket.

Final Thoughts:
In conclusion, if there are any signs, such as tooth pain, knocked out teeth, infections, or bleeding gums, it could mean that there are underlying issues that are the cause of the problem. Seeing an emergency dentist right away could help you save on money, time, and future problems that could affect your health and lifestyle.

10 Things Not to Miss at WonderWorks Myrtle Beach

As the summer temperatures heat up, many families will be looking for ways to keep cool. They will also want to entertain, make memories and keep their kids active. One good way to do that is to visit WonderWorks Myrtle Beach, where parents can find four levels of indoor nonstop fun, offering plenty of opportunities for people of all ages.

“Most people are familiar with the outside of our building, but they are not familiar with what goes on inside it,” says Robert Stinnett, regional manager at WonderWorks. “The neat thing is that what we offer on the inside is every bit as interesting and unique. We are here for all ages to experience laughter, fun, and joy by diving into history, science and releasing energy with our interactive exhibits!”

Here are 10 things not to miss at WonderWorks Myrtle Beach:

1. Climb. Hit up the ropes course, where guests can test their endurance and locomotor skills as they climb over 28 different obstacles and physical activities in this 3-story indoor course.
2. Throw. Take your chance at virtual sports, where you can find out what it’s like to pitch to a Major League Baseball player or throw a touchdown pass 50 yards to an NFL player. Virtual Sports allows you to test your athletic skills on a baseball, football, and soccer field.
3. Ride. Take a seat within the virtual coaster with the ability to turn 360° in every direction. Hold on to your seats, while experiencing virtual physics! You can also feel the sensation of weightlessness like in outer space on the Astronaut Training Gyro Challenge.
4. Play. Hit up the sandbox and bubble lab! Explore the depths of the ocean, a Jurassic landscape, and a wildlife safari in an interactive sandbox. Interact with various creatures with your hands and mold the sand by building mountains, volcanoes and much more! You can also create bubbles the size of basketballs, and even make a bubble big enough for you to fit inside.
5. Learn. Test your knowledge about our world’s natural disasters. Show what you know and more from such categories as wild weather, quakes and blazes, manmade catastrophes and extreme disasters.
6. Imagine. Enter a new dimension of reality and explore the unknown. Visit the Dr. Seuss Taxidermy, where the famous author’s creations come to life. Discover how perception and perspective are used in over 35 exhibits located throughout the Far Out Art Gallery where the unexplainable will come to life and the unusual will be the norm. 
7. Thrill. Enjoy the 12-seat theater that takes guests on an amazing adventure that transcends times, space, and imagination by combining the 3D film with special effects and full motion. Now playing 5 different movies: Cosmic Coaster-Mild, Wild Wild West- Moderate, Great Wall of China-Moderate, Dino Safari- Wild or Canyon Coaster-Wild.
8. Adrenaline. Take the zipline challenge, where you will soar 50 feet above water and 1,000 feet between towers. This features a constant tension system, which ensures participants a smooth “zip” with intense fun.
9. Extreme. Check out 360 Bikes, where you will buckle into your bike and start pedaling. You will try to generate enough power to spin a complete 360-degree revolution right back to where you started.
10. Interact. Get interactive with laser tag! This family fun game combines innovative technology to provide you with a one-of-a-kind interactive experience. The object is to outplay, outlast and outshoot the other players.

“WonderWorks is happy to support energy in motion – we want our guests to feel like each time they come to us, not only are they having a blast, they are using their mind to learn and interact physically with our many hands-on exhibits,” added Stinnett. “Make some fun family memories right here at WonderWorks Myrtle Beach.”

WonderWorks in Myrtle Beach offers 50,000 square feet of “edu-tainment” opportunities, showcasing itself as an amusement park for the mind. They offer over 100 hands-on exhibits covering natural disasters, space discovery, an imagination lab, a physical challenge zone, a far out art gallery, and a light and sound zone. WonderWorks is open daily from 10 a.m. until 11:30 p.m. For more information, log onto its site: https://www.wonderworksonline.com/myrtle-beach/.

Exploring Your Potential Reverse Mortgage Candidacy

Retiring is not always fun. It can be stressful when you have worries about your income. However, if you own your own home, you may have an easy way to increase that income, at least temporarily. It is called a reverse mortgage. It is a non-traditional home loan designed solely to help retirees or people of retirement age stay in their homes while having money to spend in their golden years. Here is what you need to know about reverse mortgages and how to determine your candidacy for them.

You Must Meet Basic Reverse Mortgage Requirements

There are some basic requirements for getting a reverse mortgage. The biggest is that you must be retired or at the age of retirement. That minimum age is 62. The reason for that requirement is a reverse mortgage is a specific type of mortgage designed to allow retirement comfort without the hassles associated with traditional home loans. Reverse mortgage lenders do not offer reverse mortgages to younger homeowners.

Another requirement is you must own and live in the home. You cannot apply for a mortgage on a building you own while residing elsewhere. That means vacation homes are ineligible for reverse mortgage assistance. If you do own your own home, you must also prove your ability to continue to maintain it, such as by making tax payments. That is because you still own the home throughout the reverse mortgage process.

Your Home Must Have Enough Value to Get a Reverse Mortgage

Another issue affecting your reverse mortgage candidacy is you must own a home with enough value for the loan to work. A reverse mortgage does not allow you to access your full home equity.

A calculator for reverse mortgages determines the portion available to you. The tool is necessary because there are federal restrictions in place governing reverse mortgages. The calculation tool can also help you simplify the process of figuring out the total value of your home. That process involves assessing factors such as its age, size and geographic location of the structure.

You Need to be Prepared to Pay Reverse Mortgage Fees and Interest

A good assessment doesn't guarantee a reverse mortgage is right for you. The amount the reverse mortgage calculator authorizes you to borrow is not the amount you must pay back. You need to understand there are closing costs and fees to be paid. Those are deducted up front before any money is issued to you. More importantly, your reverse mortgage will also accumulate long-term interest. With each passing year, you will owe more back than when you started. Therefore, you must consider your ability to pay the interest back when deciding whether to sign the initial loan agreement.

You Cannot Maintain Two Mortgages at Once

Another thing you need to know before you get a reverse mortgage is you can get one while you have a traditional mortgage. However, you cannot maintain both for a long period. Shortly after signing a reverse mortgage agreement, funds must be removed from the total you are allowed to borrow. Those funds are used to pay off the traditional loan right away. The remaining funds are available to you to make your retirement more financially comfortable.

If the amount you can borrow and the amount needed to pay off the first loan are similar, you may not want a reverse mortgage. The best scenario is using the reverse mortgage to pay the first loan and still have enough left over to spend for other purposes. That can allow you to get out from under your ongoing mortgage bills and get some actual financial relief.

Best Summer Activities For Kid's Growth & Development

Summer is known as that lazy, relaxing time of year. While all kids deserve a break, they still need structure and stimulating activities that nurture their growth and development. Do you need some tips to keep in mind when it comes to your kids this summer?

Vinay Saranga M.D. is a child psychiatrist and founder of Saranga Comprehensive Psychiatry (www.srangapsychiatrycom) and offers this advice:

Create A Summer Schedule: You don’t have to schedule something for every second of the day. The idea is to develop a predictable but flexible daily schedule that can help children thrive. Remember, sometimes boredom can be a trigger for bad behavior. The idea is to still have a routine and agenda, but know that it’s okay to be a little laid back when it comes to sticking to it.

Create A Calendar: Make it visible to your entire family. Write down daily activities and include a chore/activity chart. This helps children understand what’s expected of them. It also helps enrich their sense of responsibility and integrity all while building their confidence.

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Don’t Skip Reading: Reading should be part of their everyday routine this summer. Whether in the morning or before bed (or both), make it a priority to read with your kids. Of course, the goal of reading is to make it enjoyed. Get your child involved by going to a local library and scouting out the latest book by their favorite author.

Sleep Is Still Essential: Sleep, especially at a young age, is essential for healthy growth and brain development. We all benefit from a good night’s rest! Even if you extend bedtime during the summer, make sure your child is getting the recommended amount of sleep each night. Try not to get too far off of their school routine because it will be back in session before you know it!

Cut Back On Screen Time: Sometimes it’s too easy just to turn on the TV. When they’re not swimming or riding bikes, find something productive for them to do. Stock up on fun and educational activities that will help your kids continue to grow and learn over the summer break. Coloring books, crosswords, puzzles, and board games are all great ideas.

Some Downtime Is Good: Remember that long days at the pool/beach can cause exhaustion which leads to frustration and overwhelm. Figure out what the right amount of activity is to stimulate your child and incorporate enjoyable activities into their summer routine.

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Keep them social: Summer camps, group play and trips to the local playground are all ways to entertain children without screen time. Social settings often encourage imaginary play and creativity all while developing social skills that are essential for a child’s development.

Incorporate nature: Let nature be your inspiration this summer! Get your children outdoors for some fresh air. Plan a game of hide-and-seek or set up a nature scavenger hunt that will keep them entertained in a healthy way.

Make time for family: Our kids grow up so quickly, so make time to enjoy the summer as a family no matter how old your kids are. Whether planning a vacation out of state or simply a day trip to the beach, the best activities are enjoyed together.

First Trimester Pregnancy – The Dual Marker Test, Ultrasounds and Blood Screening

Maternal health during pregnancy is vital to the health of the baby, and there seems to be an endless sea of tests to be undertaken during any pregnancy. If you are an older mother, particularly a first time mother over the age of 35, have any pre-existing health concerns, or have any known health or genetic issues that run in the family, you will likely find that you get poked and prodded by expert maternity healthcare specialists more often that you could ever have imagined.  

There are regular urine tests looking for protein markers and signs of the ever common urinary tract infection, blood tests that monitor your iron levels, the hideous glucose test that generally induces nausea, takes hours, but can tell if you are going to be at risk of developing gestational diabetes, and there is also the double marker test in pregnancy which can alert you early on to whether you run the risk of having a baby with serious chromosomal abnormalities – if you get the right dual marker test you can also be screened for pre-eclampsia.

First Trimester Testing

Generally, the very first test a pregnant woman undertakes is her pregnancy test, but once that comes back positive there is a barrage of tests – all to ensure the health of both mother and baby.

Ultrasound Scans and Testing

In the first trimester (from the first day of your last period through to 12 weeks after this), you will normally have a ‘dating’ scan. This is an ultrasound to confirm how pregnant you are and to give you an estimated delivery date.  This will also tell you how many babies you have growing in your uterus and confirm the position of the baby and placenta. This is not done before 6 weeks, as the fetus is too small to see. https://www.healthnavigator.org.nz/health-a-z/u/ultrasound-pregnancy/

From around 11 weeks you will be able to have a Nuchal Translucency scan (often the two scans done at the same time, but you can have a dating scan earlier). In this scan, the sonographer will measure the fluid-filled space at the back of the baby’s neck, although they will not usually interpret the results for you. The nuchal translucency scan is done as a way of checking the likelihood of the baby having a chromosomal abnormality. These can range from a more common Down syndrome which has a high survival rate, to trisomy 13 or 18 which has a very high mortality rate (and will often be an indicator for likely miscarriage).

You won’t be able to find out the sex of your baby until an anatomy scan in your second trimester (normally after 18 weeks). This will also be able to tell you, and your doctor, if there are any concerns about the way the baby’s organs and body are developing. Because this is technically about the baby’s anatomy, you may need to specifically ask your sonographer to check what the sex is (although it is not at all uncommon for baby’s to position themselves in a way that hides their genitals, denying parents an early indicator).  

An ultrasound is considered to be non-evasive (you have hopefully warm, gel placed on your belly, and the wand is run over your belly creating an x-ray like image from ultrasound waves bouncing back to the wand), and there have been no known negative effects on baby or mother, however it is still should not be used by anyone untrained, and having more than needed is not recommended.

Blood Testing

You are unlikely to need to confirm your pregnancy with a blood test, but this can be done as part of your routine first trimester blood workup. However, your first routine blood test will confirm your blood type and Rh factor. This is important because if your blood type is Rh negative and the father of the baby has an Rh-positive blood type, your body may develop a condition in this pregnancy or future pregnancies where the mother's body sees the baby as a foreign body to be fought off (see here for more information).

You will also be tested for anemia, as low red blood count is not uncommon in pregnancy, and amongst the serious health concerns can also increase first trimester fatigue and nausea symptoms. A standard blood test will also scan for hepatitis B, syphilis and HIV, as these are all transferable to the baby.

Another testing you may consider can include your immunity to rubella and chickenpox, cystic fibrosis, thyroid conditions, fragile X syndrome, hepatitis C, and a range of other conditions. However, most people will only include these for testing if there is a confirmed risk through exposure or family history.

Dual Marker Testing

This is technically a blood test, however, the results of the double market test (or double marker + PLGF) will often be used in conjunction with the first trimester ultrasound where the mother gets her Nuchal Translucency scan to make any recommendations.

The Dual marker test is looking for the presence and levels of the hormones Beta Human Chorionic Gonadotropin (Beta hCG) and Pregnancy Associated Plasma Protein (PAPP-A) in the mother's blood (research is available here).

If the results of these test indicate that there is a high risk of the baby having a chromosomal abnormality then the mother can weigh up the risks of getting a diagnostic test. Normally these are either the amniocentesis or chorionic villus sampling, both of which are more invasive than the blood test and to create a level of risk to the baby and the pregnancy.

Additional testing that includes detection of the PLGS is helpful in detecting the risk of pre-eclampsia in the first trimester.  Although there is no cure for pre-eclampsia, early detection can mean that healthcare professionals can assess the risk levels and provide a cause of action that can help keep both mother and baby as safe as possible throughout the pregnancy. This may be as simple as recommending that you sleep only on your left side, or may require medication, bedrest or even hospitalization.

What’s more, additional testing can help doctors detect other health issues in the expecting mother, such as vaginal infections, which can significantly up the risk of serious disability like cerebral palsy in the developing baby. Just like pre-eclampsia, cerebral palsy doesn’t have an official cure, but careful monitoring of the mother and the right medical help during pregnancy can significantly reduce the risk in the child.

Non-Maternity Clothes for Pregnancy

You’ve found out that you are pregnant, and you can’t wait to show off your belly proudly. But, what to do when most of your clothes don’t fit anymore, and you wanted to wear them so much? Fashion for pregnant women has become very extensive, and that is the reason why it costs so much. However, there are some smart hacks you can use to be able to wear non-maternity clothes during pregnancy.

Pants for a casual day outfit

Your old jeans will probably become too tight and you won’t be able to wear them over your belly because they have zips and buttons. What you can wear are wide leg pants. They are super cozy, and will definitely be comfortable for your belly. You can wear them as a casual day outfit, or even as a work outfit if you are still working during some months of your pregnancy. When choosing high-waisted pants, make sure they go above your belly, so that you can wear shirts tucked in. If you choose low-rise pants, then opt for a loose shirt.

Another good idea of incorporating pants into your maternity clothes is to wear suspender jeans. In recent years they are no longer considered exclusively maternity clothes, and everyone wears them. You can use the trend of loose, mom jeans and wear them with a simple white shirt and white sneakers. You will look cute, while still being comfortable. You can even wear the jeans you already have, and if they don’t fit anymore, do a simple sewing repair and add a few inches of material on the sides.

Leggings for when you have errands to run 

The most comfortable item you can wear during pregnancy are leggings. They don't have to be a fitness outfit; instead, you can wear them when you have a doctor's appointment or some other errands to run. Today, numerous designs are available, so you don’t have to wear classic fitness ones. Basic, mono-colored and a simple loose T-shirt is all that you need. The good thing about leggings is that they can expand as your belly grows, so maybe you can even use the ones that you already have. Some casual day time leggings you can even wear with a tunic which goes down to your knees. Another interesting option to try is jeans leggings that you can style like any other regular jeans.

Dresses as formal wear during pregnancy

A lot of the times, you have a special occasion you need to attend during pregnancy. Whether it is an engagement, birthday, or a wedding, here are some tips on what to wear. There is no point, of course, in hiding your belly, which is why it is a good idea to do the exact opposite. Bodycon dresses made from a cotton-spandex blend or polyester are a perfect choice. For a wedding, you can wear a long bodycon dress that goes below your knees. You will look elegant, trendy and also be able to move since the material is stretchy.

A good idea to wear non-maternity clothes for pregnancy is to get empire waist dresses, either maxi or midi. They will not feel tight on your belly, instead, they will allow a lot of movement. If you have trouble finding the right style or you need ideas, great online clothes shops offer many cute designs, especially floral for summer. You can also choose a design to fit your style and order it online for those days when you don’t feel like going out. Straps or ruffles, just pick according to the occasion and you will look stunning.

Since maternity clothing can be quite expensive, look into some other options of wearing your regular clothes during pregnancy. Hopefully, these tips will give you an idea of what you can wear for different occasions so that you don't have to give up your favorite items of clothing.

The Top Six Apps & Resources For Home Schooled Students

We are in the final stretch of finishing of fifth grade, and our fourth year of virtual school. It has worked so well for us, and William feels ready for the next chapter: middle school. I am trying not to panic over the fact that the workload with be much heavier and harder. Fifth grade was a tough one. I am not ashamed to admit that I have to Google things all the time, because I simply do not always know the answers or solutions to problems, especially in math.

Over the last couple of years, I have found some life-saving extremely helpful apps and sites that have been a vital part on my side of things. Even if you don't home school or do virtual school, homework help is essential for all parents.

Here are some of my go-to sites for Math:

Hack Math is so good when you need to check over answers. I love that you can type in complicated math problems, and in most cases, find the solution.

Photomath is an app that you have to download on your smartphone. This app is especially helpful since they have a feature where you can use your camera to scan a math problem. The app solves the problem and gives step-by-step explanations. I tend to use Photomath so I can learn different ways to solve a problem. If you don't have this app on your phone, go get it now! Of course, it's free.

Math Antics is another great resource that offers videos for all levels of math. William has this one bookmarked on his computer and uses it frequently.

For Language Arts, Science, and Social Studies:

Quizlet has really been so good for all of the subjects outside of Math. If you Google a specific question and add the word Quizlet on the end, it will give you all the information you need. It works so well when you need a study guide for a specific unit, especially for Social Studies and Science.

Kiddle is a must-have for kids to do safe searches.

Khan Academy is one of our favorites for practicing and studying. The videos are a good way to have your student see a problem being done step-by-step. You can watch a video as many times as you need until you really understand.

Aside from the sites and apps listed above, we have found that Minecraft has been the secret weapon to help with improved keyboarding skills. It isn't always easy for elementary aged students to type out a paper in a short time. With Minecraft, we find that William is so engaged in the game that he doesn't realize how much typing he does.

If you have any useful resources that help with homework, feel free to leave a comment. Thank you so much for stopping by today!