Photo: Nadia Leskovskaya (Shutterstock)

In my experience, this is the age at which kids really get into the concept of making money on their own, if they haven’t already. They may now run their own lemonade stand (or a neighborhood franchise?) Or think of other things to sell, be it personalized drawings, hand-drawn comics, or brightly painted bricks.

My teenage nieces once set up a “shop” at my parents’ house selling their original artwork, and you’d better believe we’d all take turns going around buying tons of treasure – they even made personalized bags and receipts, a nice touch. We took some fun things home and they made a sizeable profit. (It turns out her aunt pays the highest dollar for her creations.)

If you’re ever going to have a yard sale, it will be what they’ll be most interested in – and it’s a great way to teach them how to determine the value of something, organize and display items for sale, and negotiate with a buyer. Ask them for help and share the profit with them (or divide the profit into piles that the whole family can spend, save, and give).

It is at this age that you should talk to your children about how to decide what to spend money on. “Being able to afford” and “spending money” are two completely different things, and at this age kids can really understand why you prioritize spending in one area over another. You can practice this yourself if you take her to the store with $ 25 birthday money and burn a hole in her pocket. They may have to decide if they want to buy the little LEGO set they can afford, or if they need to save a few more weeks of time to get the bigger, more impressive set – or if they want that money for a big one Want to spend toys versus multiple smaller items.

This is also a good age to introduce the concept of long term savings for larger items. Around the age of nine we started opening our son’s monthly college savings statements in front of him (the paper statements are sent to me specifically for this purpose). He is mathematically oriented and interested in everything that has to do with numbers. So every month we talk about how much has been saved, how much it’s up from the previous month, and “how much college is going to get it”, whatever his following is -up question.

I remember my own parents doing something similar to me, and not only did I appreciate that they thought I was mature enough to share with me, but it was a low key and easy way to meet some initiate rudimentary discussions about investments.

If you have one of three different models of Ellipsis jetpack hotspot – the same jetpack hotspot you bought from Verizon to give nearby devices access to 4G connectivity – you no longer want to use it. Verizon is recalling approximately 2.5 million of these hotspots over concerns about their lithium-ion batteries could overheat and start a fire (or give you a decent fire).

The three models in question are the Ellipsis Jetpack MHS900L, MHS900LS, and MHS900LPP. If you have one, you’ll want to take it follow the steps below before sending it back to Verizon:

“If your device is turned off, please turn it on so that the affected Ellipsis Jetpack devices can receive the wireless automatic software updates that do the following:

1. Show the device’s ID number (IMEI) on the scrolling screen for easy replacement
2. Prevent the device from charging while it is connected and turned on.

You will know that the software update has been applied when the ID number (IMEI) is displayed on the device’s screen.

• After applying the software update, users should leave the device turned on while it is connected.
• When not in use, the device should be switched off, disconnected from the mains and stored in a safe place until you receive the packaging in order to safely return the Ellipsis Jetpack. “

This IMEI number is vital as it will kick off the callback process with Verizon when you either call or visit 855-205-2627 www.EllipsisJetpackRecall.expertinquiry.com to get started. As part of the recall, you will receive a free hotspot to replace the dangerous Ellipsis Jetpacks. You should also receive a free return envelope to return your jetpack to Verizon for disposal.

According to the Consumer Product Safety Commission notice, Verizon has processed about 15 reports of jetpack overheating, including six reports of fire damage and two burns. That’s a pretty low number considering the number of Ellipsis jetpacks out there, but that’s not something you want to delay if you own one. Initiating the callback on your end couldn’t be easier. Don’t postpone it or you will forget.

G / O Media can receive a commission

Photo: goffkein.pro (Shutterstock)

Having a sore arm after vaccination is quite common, but some people who get their first dose of a COVID vaccine have a red or itchy rash on their arm or, occasionally, all over their body. Fortunately, the rash will go away and won’t recede – at least not as much – with the second dose.

It’s important to understand the difference between a serious or immediate allergic reaction (meaning you shouldn’t come back for a second shot) and the pesky but not serious rashes sometimes called “COVID arm” or “modern- Arm “. The CDC considered A severe allergic reaction where the person had to use adrenaline (e.g. an Epi-Pen) or go to the hospital. An immediate allergic reaction develops within 4 hours of the shot. According to CDC:

An immediate allergic reaction occurs within 4 hours of vaccination and may include symptoms such as hives, swelling, and wheezing (shortness of breath). Your doctor may refer you to an allergy and immunology specialist for more care or advice.

What does “COVID Arm” look like?

The less severe rashes known as the “COVID arm” appear more than four hours after receiving the vaccine. Sometimes they don’t show up until a few days later or even a week later. The rash may be red, itchy, swollen, or painful.

G / O Media can receive a commission

A Recent study Reports of skin conditions following either Pfizer or Moderna vaccines have been studied and the results are encouraging. Of the 414 people who developed a rash after being shot and whose doctor reported the rash through a dermatological database, none developed anaphylaxis (a life-threatening allergic reaction).

The rashes were temporary and only 43% of those who had a rash with their first dose got one with their second. That means the odds are better than 50/50 that you won’t get any the second time around. In people who had a rash on both occasions, the rash on the second dose usually wasn’t as severe.

One of the most common types of skin reactions in the study was redness or itching at the location of the shot. Other less common reactions were a measles-like rash all over the body and “COVID toes,” swelling or sores on the toes or occasionally on the fingers.

What to do if you get a rash

As always, check with your provider if you’re concerned about something that’s going on with your body, especially if you want to rule out the possibility that something other than the vaccine was causing the rash.

Otherwise the CDC recommends Taking an antihistamine to relieve itching (if the rash is itchy) and / or a pain reliever or anti-inflammatory (if the rash is painful). Tylenol is a good option, and NSAIDs like ibuprofen are also suitable.

Even if you’ve developed a rash, go back for your second dose. Let the person giving the vaccine know of the reaction you had. Maybe they want to give you the shot in the other arm.

Photo: Gerain0812 (Shutterstock)

If you’re like me, use your reward credit card on just about every purchase to get points or cash back and you may not really think about it. But not every transaction is worth flashing the plastic as some vendors may charge transaction fees that negate your rewards, or worse, cost you more than just using a check, cash, or debit card.

When should transaction fees be avoided?

The transaction fees for credit card purchases are typically 3%, but they are typically between 1 and 4%, which is the equivalent of one dollar to four cents. There are times when you should avoid these fees, but there are also times when it’s worth it as your reward card rewards may still exceed the cost of the fee and offer a higher total value compared to using cash or direct debit. The trick is to know what your points or cashback percentages are worth and compare that to the fee.

Do the math

For example, let’s say a restaurant insists on a 3% transaction fee, which means you lose $ 3 for every hundred dollars you spend just because you use your credit card. When you use a Bank of America Cash Rewards card, you only get 2% cashback on food, which costs you 1% of the transaction. It’s the same as paying $ 3 to get a $ 2 discount – obviously not worth it.

G / O Media can receive a commission

It gets more complicated with points or miles, but the idea is the same – make sure you earn more value in points or miles than you pay as a fee. The only problem is that not all points are the same and differ in terms of redemption value. This is why the Points Guy reviews are so handyYou will receive an estimate of the present value of the points and miles for each award card, which you can use to calculate the true value of your award benefits.

For example, a card with seven reward points for every dollar spent sounds impressive. However, if the present value of each point is only 0.4 cents, you will only see a total of 2.8 cents for every dollar spent. In contrast, another card that has three Reward Points for every two cents worth of dollar spent gives a total of six cents – which is better.

This is why you want to know the estimated value of your card’s points first, and then compare it to the transaction fee, which, as mentioned, varies between one and four cents per dollar. If the value in points exceeds the value of the transaction, you will know whether the card is worth using.

Welcome bonuses are an exception

An exception to this rule would be if you need to use your credit card to meet a spending goal, e.g. B. a hefty welcome bonus where you have to spend a certain amount of money in a short period of time. These bonuses can have a value between $ 1,000 and $ 2,000. So it’s definitely worth skipping the occasional transaction fee, provided you can cash out the remaining balance once you’ve reached your spending target.