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9 tips to vet a charity before making a donation

9 tips to vet a charity before making a donation

Charity is a noble contribution a person makes, often to nonprofit organizations, to help them further a social cause. In addition to bringing fulfillment and joy, the act can provide extensive tax benefits to the donor. However, not all social organizations are legitimate. So, diligent research is critical to ensure your monetary contribution is put to good use. Here are nine simple tips for vetting a charity before making a donation. Identify the organization’s mission To begin with, identify the cause you intend to support. It could be animal protection, racial equality, nature conservation, child welfare, or another noble cause. Then, depending on your preference, look for a suitable organization or group that pursues the same mission. Seeking suggestions from family and friends can help. Finally, after shortlisting the names of preferred organizations, research them thoroughly. Verify their registered information A legitimate charity must register itself with a regulatory body. So, visit the websites of organizations like the Internal Revenue Service (IRS) for information about them. The IRS can help verify if the charity is authorized to accept donations. Check Form 990 Form 990 can give you a better understanding of the nonprofit’s financial standing. Each year, nonprofit organizations submit this form to the IRS, which includes information related to their governance, finances, and mission.
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7 mistakes to avoid before gifting flowers

7 mistakes to avoid before gifting flowers

Flowers are the perfect gift for a number of occasions, including Valentine’s Day and Mother’s Day. One can also send flowers to friends, family, or coworkers to celebrate festivals like Christmas and Hanukkah. But there are several factors to consider before sending flowers via a third party to another person. A small error before the flowers are shipped can be costly. So here are seven mistakes to avoid when sending flowers. Feeding in the wrong address A bouquet can end up at the wrong address even with the slightest error in a zip code, house, or floor number. If the delivery service cannot find the address, the gift may never be dispatched. Check the delivery address twice before you make the payment. If you find an error after paying, you should contact customer care immediately to rectify the mistake. Buying inferior quality flowers Flowers are a beautiful way to express one’s deepest sentiments, like joy, love, affection, gratitude, apologies, or romance. While you ought to buy a flower basket to fit your budget, don’t pick the cheapest one to save on a couple of bucks. Instead, spend on blooms that are pretty and fresh to ensure the person you give them gets the right message.
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Avoid these 5 mistakes while attending a music festival

Avoid these 5 mistakes while attending a music festival

Imagine watching your favorite band or artist perform live while you groove to their music. Yes, attending a music event is one of the most exciting things to tick off your bucket list. However, participating in such events necessitates that attendees follow all the guidelines issued by the host. Therefore, if you have booked tickets to a concert, here are five mistakes to avoid to ensure you enjoy the event. Going alone Going alone to a concert is one of the worst mistakes an individual could make. Such events are often overcrowded, which may lead to you getting lost amidst the crowd. Moreover, individuals may also require help during concerts due to unforeseen circumstances. There are healthcare personnel and other management professionals to help individuals in such situations. However, having a friend or family member accompany you can help you be safe during the event. If you cannot find anyone to tag along with, make sure a close friend or family member is informed of your whereabouts and how to reach you in an emergency. Breaking the rules Each venue that hosts a concert provides guidelines to ensure the show runs smoothly. Therefore, while you are given the liberty to enjoy yourself to the fullest, ensure that you do so by following the rules and regulations.
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Common signs of child neglect and support measures

Common signs of child neglect and support measures

Neglect is a form of child abuse that results in repeated failure to meet a child’s basic needs. It can have long-term effects on a child’s physical and mental health. As it can manifest in many ways, neglect can be difficult to identify. But, recognizing warning signs can protect children from further harm. Here are some signs of child neglect and a look at support options to protect children from abuse: Signs of neglect Poor hygiene Poor hygiene can indicate that caregivers have neglected the child. Other signs include frequent and untreated diaper rash in newborns, inadequate food, dirty or ill-fitting clothes, and hunger. Poor health Consistent health concerns or illnesses such as anemia, physical problems such as weak muscles or swollen joints, dental issues, and missed doctor appointments or vaccinations can all be signs that a child has been neglected. Other indications are not receiving the proper treatment, poor linguistic or social skills, frequent infections or sicknesses, and repeated accidental injuries caused by a lack of supervision. Housing issues This form of neglect involves failing to provide adequate living conditions. It can also include an unsuitable home environment, such as inadequate heating, exposure to potentially harmful items like knives and scissors, or being left alone at home for an extended period.
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5 ways to keep children away from electronic gadgets

5 ways to keep children away from electronic gadgets

An average teenager uses their smartphone for about 7 hours and 22 minutes daily. When one considers VR headsets, smartwatches, and gaming consoles into the mix, several minutes are added to that figure. Gadget addiction in children is a problem that parents everywhere are desperately trying to resolve. There are certain strategies that can bear fruit in that regard. Some effective ways to keep kids away from phones, video games, and other gadgets are: Helping children find outdoor buddies A lack of friends can result in children finding refuge in video games and smartphones. Children generally love making new friends their age. While they may be shy and refuse to engage in conversations at first, playing with friends or simply spending time with them is more rewarding than just leveling up endlessly in a video game. Parents can initiate such friendships by introducing their children to other kids in their neighborhood. They can also set up fun little activities in the neighborhood to get all the kids in a locality to mingle and befriend one another. Doing regular digital detoxing Families with kids who are constantly glued to screens need to indulge in occasional digital detoxing. Parents need to set a side one or two days a week where none of the family members will have access to any screen time.
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5 tips to choose the best ETF funds

5 tips to choose the best ETF funds

ETF or Exchange-Traded Funds are a type of mutual funds that trade in stocks, securities and track various indexes. Exchange-traded funds often invest in a broad range of industry sectors and use various strategies to yield maximum returns. One of the biggest advantages of investing in high dividend ETFs is they have lesser fees than other indexed funds, thereby costing you less in taxes. Although ETFs help in diversifying your portfolio, it is important to choose the right funds that compliment your current investments. Here is how you can choose the right high dividend ETF funds. Consider tracking difference One of the factors that set high dividend ETF funds from other market investments is tracking differences; that is, the difference between ETF performance and index performance. The lower the tracking difference, the better the ETF fund. This ensures that the ETF fund is reasonably priced and trackable. Define your investment goals Identify your investment objectives to pick the best ETFs. Ask yourself if you want to invest in companies with specific characteristics, diversify your portfolio, or find a lower-cost alternative to mutual funds. Furthermore, consider how long you plan to invest. Financial experts suggest not investing if you will need the money within the next five years.
How SBA’s guaranteed loans are beneficial for small businesses

How SBA’s guaranteed loans are beneficial for small businesses

Running a small business during financially turbulent times can be extremely trying. But, monetary aid, specifically small business loans, can definitely make things easier for both the business and its employees. Funded and guaranteed by the federal government, 7(a) loan programs have been designed by keeping business-owners’ best interests in mind. Here are answers to some commonly asked questions regarding small business loans: What is an SBA loan? Loans by the Small Business Administration (SBA) are guaranteed business loans that are given to small businesses by participating lenders. Since these loans are guaranteed by the federal agency, they are much more manageable than those provided by private agencies. SBA loans also have the added advantage of lower interest rates. These loans are available in a broad range in order to suit specific business needs. You can get a loan that ranges anywhere from $500 to $5.5 million to fund your entrepreneurial adventure. Further, the loan can be accessed in the form of fixed assets or working funds. Types of SBA loans SBA loans are available in many types. Some of them include—SBA flagship loans, microloans, SBA disaster loans, and 504 loans, among others. Each of these loans comes with different funding criteria.
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