31 May 2021



Taking the right financial steps at a younger age can determine what kind of life you will be living when you are in your late 40s and 50s. it might be difficult to stop your urge of spending on lavish things such as a new phone or that fancy new shoe, but every penny saved and invested has the potential to buy you that luxury car in the future. Sadly, very few young people are aware of the power of investments and correct financial decisions. Those you are aware and start taking steps at the right time will have a much easier time in the future than those who don’t.


Let’s take a look at some of the reasons why you should start planning your future right now.




If you start investing in your 30s then most probably you are going to have a lot of other responsibilities like children, their education and your own future. you won’t be able to take a lot of risks and you will be forced to play it a little safe. Plus, if you do take a risk and it doesn’t go as you expected it to then it might be too late or too difficult to recover from it.


On the contrary when you are in your 20s you don’t have a lot of responsibilities. This equates to an increased ability to take risks in the financial world such as https://www.paydaylv.com . if you are unsure about the returns and stability of cryptocurrencies it might be a difficult place to put your money such as later on in your life, but you can easily do it when you are in your 20s.




If you have a dream of buying that dream house for example, then if you start investing for it in your early 20s the amount of money you will need to put in on a monthly basis is much lesser when compared to just 10 years later. Sure, you will probably have a better salary but as your earnings increase so does your lifestyle and the amount you will need to put in monthly will burn a bigger hole in your pocket.


Just a $100 investment right now has the potential to turn into tens of thousands of dollars in just 10-15 years.




One of the best aspects of starting early is the fact that you can easily set up multiple goals you want to accomplish. For example, you can plan for your retirement, luxury car and a house at the same time. this will be much more difficult if you start later in your life.


By the time you are in your 40s you will be able to afford a lot more things than you friends if they started after you. Even though your salaries are the same your buying power increases by a lot.




If you plan your finances right and pour in a lot of money into investments early on, you can even think about quitting your job early on and live off your investment returns. You don’t have to work that 9 to 5 for the rest of your life.




If you learn how to control yourself from spending on frivolous items and rather invest that money, the discipline you will have will not only affect your investment strategy in the future, but it will affect other parts of your life as well. it can be very tempting to buy new things and spend on lavish things but the people who are considered wealthy later on did not go broke trying to look rich. This I feel is one of the hardest things to do especially at a younger age when other people are trying to show off their new purchases. But trust me, a little self-discipline will go a long way.


This doesn’t mean that you have to sacrifice everything in your 20s to save for your 40s. its all about creating a balance. Invest a little, spend a little. But don’t go overboard with either.

18 May 2021

The Pros and Cons of Group Projects



The farther you get into education, the more likely it is that you will have to be part of a group project at one point or another. Group projects are notoriously hated by most students. Yet, there is a reason why they are so commonly integrated into the curriculum.


If you are an elementary teacher looking to give your students a taste of a group project it can be a bit more difficult. The reason for this is because most often groups are expected to work on projects outside of class time. However, group projects are still possible if you allow time in class for groups to work together. Here you can find some solar system project ideas that kids will love.



  • Social Skills

  • Communication

  • Lighter Workload

  • Teambuilding

  • Real Life Application

  • Increase Project Difficulty

  • Organization

  • Leadership

Advantages for Students


Although it may be difficult for them to see, there are advantages for the students involved in group work. Learning to see things from a different perspective other than their own is good for social growth and enrichment. The world today needs so much more understanding and inclusion.


A huge benefit to working in a group is that one person’s weakness might be another person’s strength and if those strengths and weaknesses can be identified the group will be equally benefited.


Working in a group is a chance for the student to express their ideas and learn to communicate and discuss their point of view in a clear way. It also gives many opportunities to learn how to overcome conflict and practice problem solving skills which are necessary life skills.


And although it's not always the case, there is an opportunity to lighten the load if group work is done right. Many hands make for light work. 


Advantages for Teachers


Every good teacher wants their students to excel in life, not just academically. Assigning group projects gives teachers an opportunity to watch students collaborate, analyze their team working skills and report back to the parents.


As a teacher you may not get as much time to spend on real life applications because traditional learning and standardized testing occupy a lot of time. Group work gives students real life application because there are hardly any jobs in the world where someone works entirely independently.


Group work also gives teachers the opportunity to assign a more difficult project because the workload can be shared. This is a great time to evaluate and identify the true leaders among a group of students. This is especially helpful if the teacher is just getting to know a class.  



  • Unequal Participation
  • Freeloading

  • Unfair Grading

  • Sacrificing Class Time

  • Extinguish Conflict

  • Disadvantages for Students


Most students have a long list of cons when it comes to group work. One of the main complaints from students is that of unequal participation. This goes hand in hand with freeloaders and unfair grading rubrics.


No student wants to put in the work for someone else to get a grade they don’t deserve without doing any of the work. On the other hand, if someone gets a poor grade because someone else didn’t pull their weight it can seem even more unfair.


Doing group work is often not as efficient as doing the work yourself on your own time and the way you want to. And even for the most experienced group workers with the best possible grading rubrics it can be difficult to consider someone else’s point of view and surrender your own opinion. 


Disadvantages for Teachers


Sometimes the hardest part of being a teacher is knowing when to step back and give children a chance to learn for themselves; even if they learn it the hard way. Especially among younger groups of students, teachers have to be a lot more involved in the group process. Teachers will likely spend a lot of time putting out fires of conflict between group members.


Coming up with a fair grading rubric and making expectations clear is an essential part of a successful group project, and this will take more time and preparation on the part of the teacher to ensure fair grading and participation.


Compiling the groups is also a challenge. Teachers should consider different learning styles and levels of competency. Not all of the strongest students should be put together in the same group. However, there is also the risk of the one person taking over and doing all of the work. Students that are friends likely want to work together, but this can cause problems with distraction and getting off topic with friends.


Elementary teachers especially have to sacrifice valuable class time to accommodate group work. This may also include having to rearrange the classroom.


Choosing to Incorporate Group Work


So whether it's a science project about solar systems for your mid level elementary school classroom, or a college class full of somewhat mature and experienced students, these are a few of the pros and cons of assigning this type of project.







04 May 2021

Fashion Essentials for Mommies



Moms are constantly juggling multiple things to both take care of their kids and themselves, and it can get quite hectic! For this reason, when it comes to fashion, moms tend to look for cute and stylish clothes that are also comfy and practical.


Here are the fashion essentials for all busy moms out there:


Great fitting jeans

There is nothing like a pair of jeans that fits you just right! Jeans are comfortable and a sure step up from leggings or sweats, but they are also comfortable. Plus, when you get one that fits you well it also gives you a confidence boost! Dress up with a nice top or down with a tee and you’ll be instantly stylish. 


Crossbody bag

A crossbody bag is a handbag essential. It’s comfortable to wear, stylish, and frees up your hands so you can juggle all the normal mom duties with little ones! You can find beautiful and durable bags online, on stores like Mirta that carries handmade leather goods from Italy. Just keep in mind that you’ll want to pick a color that goes well with every outfit and won’t show marks as easily, one of the best choices is undoubtedly a classic brown crossbody bag.



Cute flats

Practical shoes are a must for moms so you can run and keep up with your little ones and also take care of your own body as you are out on your feet so much. Flats are a fashionable choice and you can wear them with jeans, a dress, etc. but also feel more comfortable since it is a flat height and with the proper support, be supportive as well! Bonus: if you have a pair you can fold and easily pack and take around with you for your days out. 


Cardigan / wrap

A cardigan or wrap is always an essential. Whether for you or your little one, it’s cozy and stylish but also practical when you need that extra layer of warmth.

A maxi dress

A maxi dress is an instant outfit. With one piece you can look put together and stylish, and pair it with whatever shoes and jacket that work for your activities of the day. If you are running around with your little ones, put another accessory in your car so you can change according to the events you’re going to for the day. You can easily go from a cute outfit at the park with a pair of sandals and on to a dinner out with friends and their kids while feeling a bit more dressed up simply by putting on a pair of statement earrings. 


Matching workout set

A matching workout set is absolutely necessary. It means you’re ready to go to the park and play with your kiddo, but also look put more together for it since it’s a matching set. There’s just something about a matching set! 


To all the moms out there, what are some of your fashion staples?