4 Inspiring Figures Your Children Can Learn From

4 Inspiring Figures Your Children Can Learn From

As parents, we always aspire to motivate our children into reaching their potential and encourage them to go beyond what our generation has achieved, but it’s not always easy. Here at Kids Aint Cheap we believe that crucial values can and should be taught at a young age. But holding their hand as they learn is just the beginning.

Luckily, children often learn first from imitating and looking up to their peers and role models. Introducing positive influences, such as great men and women, not only encourages them to have goals but can inspire them to stay on a positive path to success. Below we have listed some of the great men and women of our time your children can learn from:

JK Rowling

Photo: Wikimedia.org
As massive Harry Potter fans, we wouldn’t miss an opportunity to celebrate how JK Rowling inspired a whole generation of children into reading and imagining a vast new world. As a true feminist, she made her female characters intelligent, opinionated, and independent. Rowling also overcame a lot of difficultly in her own life and wrote the first Harry Potter book when she was broke and a single mom. This shows how it is possible to turn a bad situation around and become successful.

Stephen Hawking

Photo: wikimedia.org

Stephen Hawking is one of the most important scientists in world history and his journey is an inspiration to everyone. A man with a single vision, Hawking devoted his life to understanding the universe. Despite being plagued by Amyotrophic Lateral Sclerosis (ALS) – a paralyzing and deadly condition where nerves fail to control muscles – Hawking showed the world that no amount of disability can stop a great mind. Both his work and life serve as an inspiration to all of us today.

Malala Yousafzai

Photo: Wikimedia.org

Malala Yousafzai is an inspiration to children because of how she stood up for what she believed in when she was just a child. Malala was shot in the head in Pakistan by the Taliban when she was just 15. Yet despite suffering a terrible injury she has continued to fight for those less fortunate in the world. In her most recent interview with NHK World, she talked about the refugee situation in Syria, and stressed that education is equally important for Syrian refugee children along with shelter, water, and food. A fact that is often being ignored by the world and needs to be addressed immediately. Save the Children reports that more than 11 million people have been forced from their homes in Syria with children being the most vulnerable. It is down to people like Malala that the world remains aware of what is happening in the country.

She was awarded the Nobel Peace Prize in 2014 for her contributions and became the youngest Noble laureate. Not only is Malala inspirational because of what she achieved after being shot, but also how she showed that young people can make a difference and should be listened to.

Nelson Mandela

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The father of the anti-apartheid movement, Nelson Mandela was a South African revolutionary advocating for equality in skin color, social status, and nationality. Despite being persecuted and imprisoned, Mandela’s unwavering love for his people and country never ceased. When he won the election in 1994, he brought South Africa together to build a prosperous and inclusive society. He inspired people throughout the world to strive for peace and justice through Ubuntu (oneness in the world). In Mandela’s memorial service, US President Barrack Obama famously said, “[Mandela] not only embodied Ubuntu; he taught millions to find that truth within themselves”. His ability to forgive and move forward should be taught to all children.

Final thoughts

Every child has the potential to change the world and we, as parents, are just here to guide them. As Nelson Mandela once said, “Our children are the rock on which our future will be built, our greatest asset as a nation.”

Is Property a Good Investment in 2019?

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The residential buy-to-let property market has proved to be a viable investment class over the years. However, since 2014, the property market has been very turbulent.

Many buy-to-let landlords continue to exit the market owing to the increased government taxes and stagnated yields. Also, the government has increased interest rates and reduced tax relief incentives for property investors.

It’s a jungle out there for investors, and as a result, buying property has been seen as a true test of the survival of the fittest. And this begs the question, “Is property a good investment in 2019?” Read on to discover.

Should You Invest in Property in 2019?

The answer is Yes if the property is good and the deal right. Buying an investment property in any given year can be lucrative if you:

  • Exercise due diligence
  • Negotiate hard on the purchase price
  • Take your time
  • Clearly evaluate the long-term aspects of the investment

While no one can tell with absolute certainty, how things will play out in 2019, a careful study of the housing market trends can give you valuable insights into what to expect. These marketing indicators will help you decide whether you should invest in real estate in 2019.

1. Housing Inventory

The housing market is subject to the market forces of demand and supply.

When there are fewer houses (low inventory levels), expect the prices to be higher since the demand is higher than the supply. When the number of homes for sale is high, the prices will go down because supply is typically more than the demand.

The good news is; inventory levels will remain low in 2019, making an investment in real estate desirable. However, homes are expected to increase in Boston, Seattle, and San Jose according to Forbes. To find where new home developments are located in Iowa, US, visit developingiowa.com.

2. Property Prices

Housing prices have been increasing steadily over the years, and this trend is expected to continue in 2019.

That’s bad news to investors. According to NAR, the national median existing-home price will increase by 3.1% in 2019 and the trend is expected to continue through 2020.

What does that mean?

If you’re considering purchasing a home now, you’ll only pay more if you continue waiting. For example, if a house is worth $200,000 now, you might buy it for $206,200 by the end of 2019 as the changes in prices take effect.

3. Mortgage Rates

The mortgage rates are on the rise. Over the past few years, the mortgage rates have been lower than they were during the recession, even below average considering the high economic growth the US has been experiencing.

However, the interest rates are expected to rise in 2019 all through 2020. Forbes projects that the 30-year fixed-rate mortgage might hit 5.8%.

What does this mean? The high mortgage rates might discourage people from buying homes. However, this might not be a deal breaker to those who survived the recession.

Wrapping Up

Before making the decision to buy property, it’s important to conduct due diligence to determine the viability of the investment. While buying property may be considered a solid investment by many people, some factors such as interest rates if overlooked can spoil the deal.

Green, New NYC Real Estate Bill Could Be The Most Disruptive in History

Is it any surprise that New York City real estate is the most coveted? The Big Apple is considered the commercial center of the world, and as Susan Paige states in her guide on real estate investing it is all about location. In order to be a good real estate investor though, you need to know the landscape, and for investors looking at NYC you need to be aware of the latest regulations. The NYC Council recently passed a nine-package bill called the Climate Mobilization Act that will affect the real estate market and it could be one of the most disruptive in history.

In a nutshell, it’s a long-term plan for the city’s 50,000 largest buildings to reduce their collective carbon footprint. Commercial Observer shares the vital details of the nine-bill act. One of the act’s main premises is a 2016 report from the Mayor’s Office of Sustainability, explaining how although the 50,000 largest buildings in NYC only account for 5% of its properties, they’re responsible for more than half the entire city’s energy consumption.

In an effort to mitigate this, commercial and residential buildings over 25,000 square feet must now meet new environmental requirements by 2024. Landlords must reduce the carbon emissions of their buildings by at least 40% by 2030, and 80% by 2050. Failing to adapt to the new environmental requirements by 2024 comes with a hefty $2.4 million annual fine. Here’s the rub: big-time real estate owners and developers have voiced opposition to the act. According to Real Estate Board of New York (REBNY) president John Banks, the act does not fully consider the repercussions of its requirements. Although REBNY will comply with the act, Banks had this to say: “The approach taken today will have a negative impact on our ability to attract and retain a broad range of industries, including technology, media, finance, and life sciences, that provide opportunity and continued economic growth that is so important for our city.”

Many other experts have voiced concerns over how the new environmental requirements will impact the city itself. Forbes got in touch with some of these experts to get their perspective on the matter. For instance, Energy Watch LLC chief operating officer Diana Sweeney said that NYC’s electricity grid might not be ready for the coming changes. Sweeney notes that one of the ways to comply with the new requirements is by switching to electric-powered heating systems. And the 50,000 largest buildings adopting such systems could cause a sudden spike in electricity costs for NYC residents. Compass broker Martin Eiden provides a succinct summation of the act’s effects: “good for the city and planet long term, bad for individual unit owners short term.” This is something to consider if you are thinking of buying property in New York.

There is some good news for developers. Even though the coming changes will entail a thorough overhauling of infrastructure, they will be considered alterations and not new developments which incur more expensive fees. Yoreevo explains that the NYC Department of Buildings will only consider a structure as a new development if alterations increase the floor area by more than 110%. The site also notes how a new development will force the owner to comply with current building codes, while alterations simply get implemented. It’s a small victory for developers. But if you consider the fact that the green, new, and mandatory alterations will cost the city billions, every penny saved counts.

Furthermore,The Real Deal explains that if owners are unable to meet the energy cut targets, the legislation actually provides alternate ways to comply with the requirements. This includes purchasing carbon credits, or renewable energy from the grid. New York as a location is changing and investors need to be aware of what’s happening in the city, to be able to make good investment choices.

Digital Tax: What Your Small Business Needs to Know

The digital age has posed major questions and considerations regarding the taxes corporations and small businesses alike should be liable for from their digital activities.

There has been much publicity surrounding major companies solely, or at least primarily involved, in purely digital activities as opposed to selling physical products such as Facebook and Google and their alleged tax avoidance methods.

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The Best Beauty Ecommerce Websites and How They Succeeded

Standing out in the online beauty industry is tough. Competition, rapid trend changes, and continually evolving demographics are the top challenges every online beauty industry player must face. However, it’s perfectly possible to boost your brand visibility by employing effective business strategies to make your online beauty business. You can get reliable suppliers such as Asian Beauty Wholesale to stand out from the crowd.

Here are some tips about thriving in the beauty industry market from the best beauty eCommerce businesses today:

1. Experimental cutting edge: Pat McGrath Labs

Pat McGrath Labs is known for creating cosmetic products and apparel with a trendy, cutting-edge, high fashion vibe. This same ethos is also applied in their online marketing strategy, where they focus on creating limited sales editions using high-end theatrical video technology and marketing photography akin to high fashion houses. They’ve also tried experimental collaborations such as partnering with Spotify artists to sell their products by featuring their products on songs.

2. Giving back to nature and community: Fig + Yarrow 

Fig + Yarrow is known for selling small batch, handcrafted, and organic beauty products and a strong commitment towards the local community. Their online marketing presence is also based on being environmentally focused and community engagement. Fig + Yarrow feature their products through monthly catalogs and blog posts that integrate their products into the lifestyle and informative blog posts, and through social and community updates such as community events, treatments, and meals.

3. Beauty education as you browse: Sephora

Sephora is a beauty eCommerce giant known for its interactive Visual Artist app that helps users choose the right makeup product for them by virtually trying on various product shades and colors through the app. Sephora also has the edge in beauty education through their multiple buying guides, how-to-videos, and in-store beauty classes that make for an educational buying experience.

4. Women empowerment and beauty with a cause: Thrive Causemetics

Thrive Causmetics literally thrives on empowering women through customer and community engagement, by encouraging users to share not only their product reviews but also personal stories such as surviving and battling through disease and leaving abusive relationships. Thrive Causemetics also makes it their aim to donate one of their vegan, cruelty-free products to a woman ‘thriving though’ cancer, homelessness, and domestic violence. They also encourage customers to actively participate in the brand by formulating products according to customer feedback and public surveys.

5. Affordable and influencer-driven marketing: ColourPop

 ColourPop’s biggest appeal is its strong influencer-driven marketing platform, where they feature various beauty influencers and encourage them to do advertising, product tutorials, and customer engagement to drive consumers through influencing fanbases. CoulorPop also provides the opportunity for influencers to share their causes but always driving in the company’s advocacy of making quality cosmetics affordable. Because of this strategy, the company has been able to garner nearly one million subscribers on Youtube and 5.5 million followers on Instagram.

6. Excellent buying journey and customization: CoverFX Skin Care

CoverFX Skin Care stands out through its integrated buying journey experience, navigation, and excellent customization. Users are assisted in every step of the way, from being given a discount offer upon visiting the page, to signing in and integrated social logins (Facebook, Google, Amazon, or PayPal), to email notifications, and to product walkthroughs and video demonstrations. Another strength that helps them stand out is their excellent customization feature by presenting customers with the complete range of shades and colors with descriptions to make choosing the right products easier. In all, CoverFX’s website makes for a breezy buying experience.

7. Sweet aesthetics and warm user-experience: Cake Beauty 

From it’s very sweet, pink, feminine website layout and integrated social media (Instagram) features, Cake Beauty make you feel like walking into a dessert store while shopping for cosmetics online. In fact, they call the online store Cakeland! First-time visitors are also greeted with a discount offer. The company also offers perks like offering free Cake Beauty products to 100 customers every 4-6 weeks.

8. Celebrity frenzy: Kylie Cosmetics

As for driving an entire market base through celebrity status, no one does it as Kylie Jenner does. This Kardashian, who owns her own cosmetic product line Kylie Cosmetics, has always made phenomenal product launches with having her products literally sold out within a few minutes. With a strong fanbase who follows her posts religiously, it is no wonder how her products get sold out at lightning speeds. Kylie Cosmetics employs a brilliant strategy of creating suspense by announcing product snippets days beforehand, then launching it with the aura of ‘get it as soon as you can’, and announcing the next restock to an indefinite later season.

Creating a solid and catchy online brand presence that helps you stand out in the competitive beauty market takes some time and well-crafted marketing design. By using some of these tips from the best beauty eCommerce businesses, you might be able to come up with your own brilliant online marketing strategies for boosting your brand identity.

Everything You Need to Know About Investing in Cannabis Stocks

With the recent legalization of marijuana for recreational use, a new industry has been created. Cannabis companies are merging, acquiring, and investing at levels rarely seen in any industry.

Investments in the marijuana industry were over $13.85 billion in 2018. And the average deal was made for around $23 million. The industry is a great opportunity for beginner investors and veteran investors alike.

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