Saturday, January 19, 2019

Sweepstakes: Tree Hut

As the weather chills, skin starts to get dry and needs a pick-me-up! To keep skin smooth and glowing all season long, we want to give your followers a chance to win Tree Hut’s latest giveaway – scrubs + body butters + a $250 Ulta Gift Card! We’ve even included Ellen’s fave in the bunch – Almond & Honey – which she uses to get super, soft skin 😊 

Starting today, consumers can head to Instagram, follow @TreeHut, like the giveaway post, tag a friend in the comments and click the link in their profile to enter their email! Hurry, the giveaway ‪ends January 31st! The winner will be posted on @TreeHut’s Instagram Account (US residents only)!

Enriching Education: National School Choice Week

This January, millions of Americans will raise awareness about the importance of school choice at more than 40,000 events, meetings, and activities planned for National School Choice Week (January 20 – 26, 2019). The Week will be America’s largest-ever series of events focusing on K-12 education.

Across the country, more and more families are discovering the power of school choice. Do you know your options when it comes to schooling for their children? National School Choice Week exists to raise awareness among parents about their educational options.

Andrew Campanella, the president of National School Choice Week, is in this interview to discuss school choice across America. 


Thrifty Thinking: Consumers Now Have Opportunity to Raise Credit Scores Instantly by Adding Data to Their Experian Credit Report

 In a move that will reshape the way consumers get access to credit, Experian®, the world’s leading information services company, announced today it will launch Experian Boost, a free, groundbreaking online platform that allows consumers to instantly influence their credit scores.
Through the new platform, consumers can grant permission for Experian Boost to connect to their online bank accounts to identify and access utility and telecommunications payments. After a consumer verifies the data and confirms they want it added to their Experian credit file, an updated FICO ® Score is delivered in real time.
“Globally, we are constantly innovating and leveraging technology to find new ways to help consumers gain access to quality credit, while promoting fair and responsible lending,” said Experian Global CEO Brian Cassin. “We are committed to financial inclusion, and Experian Boost is the latest example of our efforts to increase consumer awareness of credit’s impact and value while giving them greater control.”
Consumers with thin credit files (less than five trade lines) and scores between 580 to 669 will benefit the most from Experian Boost. Early analysis of Experian Boost’s impact on a sample of consumer FICO ® Scores showed:
  • The risk predictiveness of the score was maintained
  • Two out of three credit scores improved
  • 10% of thin-file consumers became scoreable
  • For consumers with a score below 680, 75% saw an improvement in their credit score
  • 14% of consumers with a credit score at or below 579 moved to a near prime score between 620 – 679
  • Depending on credit tier, 5-15% moved into a better score category
“Limited credit activity and history are key barriers for consumers to achieve their financial goals,” said Dara Duguay, executive director, Credit Builders Alliance. “We fully support initiatives that promote financial inclusion and think Experian Boost could play an important role in overcoming that barrier. We look forward to seeing how Experian’s new platform impacts consumers.”
Contributing consumer payment history to an Experian credit file will allow lenders to make more informed decisions when examining prospective borrowers. Only positive payment histories will be aggregated through the platform and consumers can remove the new data at any time. There is no limit to how many times one can use Experian Boost to contribute new data. Consumer contributed payment histories will be compiled through Finicity, a leading provider of real-time financial data aggregation and insights.
“Experian is a true pioneer in giving consumers control that could immediately impact their credit scores,” said Cassin. “Experian Boost marks our next step in delivering the most innovative and consumer-centric solutions, supporting our mission to be the consumer’s bureau and bringing lenders and borrowers together more efficiently than ever before.”
Experian Boost will be available to all credit active adults in early 2019, but consumers can visit www.experian.com/boost now to register for early access. By signing up for a free Experian membership, consumers will receive a free credit report and FICO ® Score immediately, and will be one of the first to experience Experian Boost. 
Experian Boost will apply to many of the leading consumer credit scores used by lenders. To learn more about the platform visit www.experian.com/boost.

About Experian
Experian is the world’s leading global information services company. During life’s big moments — from buying a home or a car, to sending a child to college, to growing a business by connecting with new customers — we empower consumers and our clients to manage their data with confidence. We help individuals to take financial control and access financial services, businesses to make smarter decisions and thrive, lenders to lend more responsibly, and organizations to prevent identity fraud and crime.

We have 16,500 people operating across 39 countries and every day we’re investing in new technologies, talented people and innovation to help all our clients maximize every opportunity. We are listed on the London Stock Exchange (EXPN) and are a constituent of the FTSE 100 Index.
Learn more at www.experianplc.com or visit our global content hub at our global news blog for the latest news and insights from the Group.


Friday, January 18, 2019

Homegating


Book Nook: Focus

David Essel, M.S, is the author to the #1 best-selling book that contains six New York Times contributing authors to debunk the myth of positive thinking. His new book, also a #1 best seller; “FOCUS!” - Slay your goals, the proven guide to huge success, a powerful attitude and profound love”, features an introduction by celebrity Jenny McCarthy who said “Essel is the new leader of the positive thinking movement. ”

COMING OUT ON AUDIO BOOK!https://www.amazon.com/dp/B0793ZZCBK

His work as a counselor and life coach has been verified by psychology today, and marriage.com verifies David’s work as one of the top relationship counselors and experts in the world. Recently. David’s new book “FOCUS!” made it on the list of “The Top 25 Books That Will Make You a Better Person”. Essel’s book joins the ranks of other influential self-help books like “How to Win Friends & Influence People” by Dale Carnegie. Read the entire list of 25 books here:  https://fupping.com/taegan/2018/09/22/best-books-25-books-that-will-make-you-a-better-person/

For the past 28 years, number one best-selling author, counselor and life Coach David Essel has been helping to educate the world regarding the negative power of self-sabotage, and how to get out of our own way in life in order to achieve greatness. David's goal is to positively affect 2 million people on a daily basis regardless of their current circumstances, their current challenges, and even their current financial situation.

ARE YOU READY TO RADICALLY CHANGE YOUR OWN LIFE?
 
HERE ARE SOME POINTERS YOU CAN TAKE OUT OF THE BOOK “FOCUS!”:
·      FOCUS! Is what it takes, to create the life you want right now.
 
·      STOP DREAMING! Could programs like the law of attraction, and using affirmations the wrong way, be holding you back in life?
 
·      START LIVING! David’s goal achievement program “The One Thing Theory “TM, created in 1996, will help you create huge success in life.
 
·      PROFOUND LOVE? You can create it by following David’s “Love scale: 1 to 10”TM. If you don’t have what you truly desire in life, this book will show you how to get it. Now. It’s time to FOCUS.
 
 
Check out a video with David Essel talking about The Daily Video Boosthttps://www.youtube.com/watch?v=j13VTAIauKk
 
These daily videos will be sent out every Monday through Friday and it will help people with the following:
 
•        Shatter procrastination forever!
•        Learn how to get off the fence in life and into daily action to make your dreams a reality...
•        Find an accountability partner so that you can hold each other's feet to the fire to do what's needed every day.
•        Shatter any negative attitude or mindset that has been keeping you back from living at your full potential.
•        Learn how to make the first 30 minutes of every day the powerful breeding grounds for a positive mental attitude.

Thrifty Thinking: 0% Financing with Zebit

With federal workers about to miss their second paycheck due to the government shutdown, many are trying to find cost-effective options to buy what they need for themselves and their families. Now, government workers and the 80% of U.S. consumers that live paycheck-to-paycheck have a new way to access affordable, 0% interest credit to buy what they need at fair prices. It’s called Zebit.  

Zebit is the only eCommerce company that offers access to millions of products that can be bought now and paid over time at zero percent interest.  In addition, there are no sign-up, monthly or hidden fees.  Products available on Zebit include name brand electronics, appliances, furniture, kids/baby items, sporting goods, gift cards, tools, jewelry and more.  

During these challenging economic times, Zebit understands that many consumers face one or more of the following challenges: They cannot afford to pay in full for a product at the time of purchase, they may not have sufficient credit scores to qualify for new credit cards, or they want to avoid running up their current card balances and incurring large interest charges.  By offering consumers the ability to buy products they need now, while taking time to pay back at zero interest, government workers and consumers with financial challenges can now purchase the products they need for their day to day lives. 

Consumers can join at Zebit.com and browse the products available. Anyone over 18 years old, with a sustainable source of income can apply – no credit score needed. 

Freebies!

Dunkin' Coffee
Peatos Snacks

Kroger Free Coupon

Thursday, January 17, 2019

Giveaway: Bumkins

In honor of upcoming Winnie the Pooh Day (January 18th), Bumkins is celebrating by launching their new grip dish! The new dish, in the shape of Winnie the Pooh’s face, is a fun and practical must-have for mealtime. 
Retail Value: $16.95

Enter to win a dish by leaving a comment with what you love about Winnie the Pooh.

Giveaway: Jumbo Coloring Poster from Debbie Lynn Inc

Coloring is not just fun - experts say it’s good for our mental health! Just in time for some new indoor fun ideas (timely during the cold winter months!), Debbie Lynn, Inc. is giving away a Jumbo Coloring Poster to one lucky mom!  The Jumbo Coloring Poster from Debbie Lynn, Inc. comes in several designs and is made of high quality thick paper. It’s the biggest coloring poster on the market (48” x 63”)!
Retail Value: $32.99

To enter, leave a comment with what you like best about the poster and your favorite option.

Enriching Education: Learning Differences

Different doesn’t have to be negative for children with learning differences. They’re capable of learning everything their peers learn. They just learn in a different way. Yet children with learning differences are often robbed of their confidence and joy.

In order to ward off feelings of frustration and failure, parents and teachers must know how the child learns best and allow the child to experience success, both academically and socially. From success, confidence and joy will grow and lead to more success.

Drs. Deborah Ross-Swain and Elaine Fogel Schneider are speech-language pathologist. Their new book, Confidence & Joy: Success Strategies for Kids with Learning Differences (Crescendo Publishing, Nov. 1, 2018), provides parents and educators with tools to help children with learning differences realize lifelong success.

I had a chance to interview them to learn more.

  1. What are learning differences?
How do you learn? Are you a visual, auditory, kinesthetic, or tactile learner? Or do you combine more than one learning style? A preschooler may engage well playing in the sandbox, sliding down a slide,  or making mud pies. The signs that your child has a learning difference may not show up until your child enters school and is supposed to read, write and spell. The child with learning differences, may have difficulty focusing, following directions, holding a pencil, and/or making and keeping friends. He may be the kid you see in the principal’s office doing work, while his classmates are having fun outside at recess.  He’s not a “bad kid.” He is trying hard each and every day to jumpstart his learning. He is wired differently from others. He can get the information, just in his own way. Having a learning difference is just that, it is not a disability, it is not a disorder, it is – a difference.
  1. What are some common misconceptions about learning differences?
Following are 5 common misconceptions about learning differences:
  1. Children with learning differences lack intelligence. No, many of these struggling children have average and above average intelligence. Some have superior intelligence! These children may not be in Special Education but may have reading support, or are getting outside tutoring. These kids may not have a diagnosis beyond “struggling” or “learning issues.”
  1. Children with learning differences cannot learn. No, children with learning differences have their own way of learning. Trying to teach the child with learning differences the same way every child is taught can be ineffective. It’s like trying to fit a “square peg into a round hole.” Children with learning differences can learn, just in a different way!
  1. Children who cannot read, like other children their age, will never be able to read. No, many children who cannot comprehend may have accommodations made in school, to help increase success. Others may have tutors or therapists to assist them.
  1. Children with learning differences need our pity. No, children with learning differences, need our compassion, support, and guidance. They need to be honored and valued for their own talents and skills.
  1. Children with learning differences like being failures. No, children innately want to succeed and be happy. Children with learning differences want to belong, and  experience confidence and happiness just like other children.
  1. Why is confidence and joy so important?
The idea of being confident learners and joyful children takes “backstage” to meeting academic standards. For most children this is not a problem.  But for children with learning differences, who struggle every day, it is a problem. Major anxiety can set in. Feelings of “I am not good enough” and ”I’m stupid”  can surface. Major frustrations, occur when the child finds himself stuck in the principal’s office finishing the class assignment, because he couldn’t finish it in class.  Daily struggles chip away at confidence and overall joy. This results in unhappy, or anxious children, reducing the child’s willingness to attempt new things, or wanting to go to school. Without success the child may feel and say, “I  never get things right”, “I am so stupid”, “Why would anyone want to be my friend?”
Success synergistically brings confidence and joy.  A joyful child loves to learn. A confident child knows that “even if I mess up one time, there will be more times to get it right.” With this attitude, successful children become successful adults who are happy and confident.
  1. How can parents build an advocacy team to help their children succeed?
You can build an advocacy team by being proactive so your child’s needs are met within the family, at school, in social and recreational activities, and ultimately in the community.

8 Steps to Help You Build Your Stellar Advocacy Team:

  1. Find people in your community who can provide you with information and support. This person can be a physician, a counselor, speech-language pathologist,  occupational therapist;, a tutor, etc. A parent of a child with a learning difference can serve as a mentor on the team who can listen to you and offer you support and guidance to “navigate the terrain.”
  1. Invite these members to join your team. Remember you are doing this for your child. Don’t feel intimidated by the degrees that someone has after their name. If they’re in the “helping profession” they likely will want to assist.
  1. Establish the team leader, so one person can “take charge” and organize the team meetings, and decide where, when and how  to communicate. Many times the team leader is the parent, who knows their child best.
  1. Build positive and mutually beneficial relationships with all the people with whom you will be coming in contact  Be polite, kind and respectful of others.
  1. Ask questions that are not threatening but seek information. By being nonconfrontational, you can gain the listening of others which can lead to a beneficial conversation, and ultimately positive outcomes for your child.
  1. Be flexible. You may have to change meeting dates, times or locations. Keep a positive attitude.
  1. Find out about resources in the community and places that may be available to your child, away from school. Your advocacy team may have knowledge about activities, i.e., outdoor activities, art, dance, sports, music clubs, religious clubs, and Kids clubs.  See how your child can fit into those activities that he or she has chosen interest in, and be prepared to enroll your child in activities that interest him, building confidence and joy in activities in which he finds pleasure.
  1. Remember to keep yourself healthy, and do things that bring you happiness, and relaxation. You can’t be effective for your child if you are exhausted.  All children want to succeed. Struggling bright children want to be successful students. Every child wants and deserves to feel confident and joyful, and so do you!

Dr. Deborah Ross-Swain is a licensed speech-language pathologist and CEO of the Swain Center for Listening, Communicating and Learning. Dr. Elaine Fogel Schneider is CEO of TouchTimeInternational and author of the best-selling 7 Strategies for Raising Calm, Inspired, & Successful Children. Learn more at confidencejoy.com.