Understanding Compound Interest To Grow Your Saving

What is compound interest, and how it is work?

Does Smart Home Increasing The value Of The Home?

Homeowners are taking their homes into the 21st century with "smart home" technology.

10 Gifts That Actually Useful For Dad

10 gifts that Dad might actually use.

Does Separated Headphones For Kid Necessary? (with headphones recommendation for kids)

Is using headphones safe for kids? Here are the best headphones for kids on 2021

Sunday, July 11, 2021

Does separated headphones for kids necessary? (with headphones recommendation for kids)

 

Photo by Andrea Piacquadio from Pexels


"It's never too early to start protecting your hearing."

 

During the pandemic, children have no choice but to do remote learning and many kids use headphones or earphones to help focus study. But does headphones safe for our kids?

We know loud noises are bad for the ears. Inside your ears are tiny fibers that help you hear. Over time, loud noises can damage these fibers. Once your hearing is gone, you can't get it back. 

If loud noise doesn't bother you as much as it used to, it might be a good idea to get your hearing checked. How about kids? It is recommended to bring kids to check their hearing at least once every 3 years. Look out for the following signs before bringing your kids to check their hearing:¹

Signs in Babies
  • Does not startle at loud noises.
  • Does not turn to the source of a sound after 6 months of age.
  • Does not say single words, such as “dada” or “mama” by 1 year of age.
  • Turns head when he or she sees you but not if you only call out his or her name. This sometimes is mistaken for not paying attention or just ignoring, but could be the result of a partial or complete hearing loss.
  • Seems to hear some sounds but not others.
Signs in Children
  • Speech is delayed.
  • Speech is not clear.
  • Does not follow directions. This sometimes is mistaken for not paying attention or just ignoring, but could be the result of a partial or complete hearing loss.
  • Often says, “Huh?”
  • Turns the TV volume up too high.


How you can tell a noise is too loud?

If there's so much noise around you that you need to talk extra loud when your friends only a few feet away, it's probably hurting your hearing. But it can be hard to know how loud is too loud when you listening via headphones. Listening to music on headphones, you might hear sounds between 96 - 110 dBA. Listening at 110 dBA via headphones in few minutes can lose some of your hearing.

Sounds at or below 70 A-weighted decibels (dBA), even after long exposure, are unlikely to cause hearing loss. However, long or repeated exposure to sounds at or above 85 dBA can cause hearing loss. The louder the sound, the shorter the amount of time it takes for noise-induced hearing loss (NIHL) to happen.²

Here where headphones for kids come in. Some headphones and earbuds advertise that they limit the volume, but they still limit the volume above 70 dBA. this is due to the possibility that the headphones might be used during travel or in busy/noisy areas.

Here are the average decibel ratings of some familiar sounds:















Check out how loud other noises in here.


Here some headphones for kids that I found acceptable since can be set to different maximum level noise depending on the situation. I can't found exactly the maximum of 70 dBA, but the lowest setting is close to it:




BuddyPhones Inflight

$21.99 - $29.99

BuddyPhones Inflight has three-volume settings- 75dB Toddler Mode, 85dB Kid Mode, and 94dB Travel Mode.






BuddyPhones Play

$20.58 - $32.99

BuddyPhones Play has four-volume settings- 75dB Toddler Mode, 85dB Kid Mode, 94dB Travel Mode, and StudyMode.












$64.48

BuddyPhones Wave has four-volume settings- 75dB Toddler Mode, 85dB Kid Mode, 94dB Travel Mode, and StudyMode.












$59.95

BuddyPhones Cosmos has 3 listening settings-75dB , 85dB, 94dB.










$36.99

iClever BTH12 Wireless has three-volume settings- 74dB Toddler Mode, 85dB study Mode, 94dB Travel mode. 











$36.99

iClever Cat Ear Bluetooth has three-volume settings- 74dB Toddler Mode, 85dB study Mode, 94dB Travel mode.











Sources:

¹ What is Hearing Loss in Children? | CDC

² https://www.nidcd.nih.gov/health/noise-induced-hearing-loss



Saturday, July 10, 2021

10 Gift That Actually useful For Dad


Giving a gift should be something that satisfies both the gifter and receiver. Especially if that person living together with us or a close person. You will know if they actually need it or use it. Well, easy to say, but it's tricky since even you live on the same roof doesn't mean you know what he needs. 
Do you happen to have the same problem as me? Here some gifts that actually useful that might help you decide:

Friday, July 9, 2021

Does Smart Home Increasing The Value Of The Homes?

Remember the Jetsons, that futuristic family from the popular '60s cartoon? Their house had all types of neat gadgets and gizmos that you probably wished for in your own life. Believe it or not, today's tech is making these "homes of the future" accessible now -- and it's more practical than you might think.




These gadgets and gizmos might be cool and convenient, but they also provide a few other benefits for your household.

  • Peace of mind

A high-tech security system lets you keep an eye on your home whether you're at the office or on vacation. Control appliances and electronics from your smartphone to make changes at home throughout the day.

  • Save money

Forgot to turn off the lights this morning? Smart devices allow you to switch off the bedside lamp or turn off the AC from your phone, conversing energy and saving you money on bills.

  • Boost Home Value

Smart appliances, wall plugs, and light bulbs can instantly boost your home's value and appeal should you look to sell.


Homeowners are taking their homes into the 21st century with "smart home" technology. Here are few products that can make your home smarter, safer, and more efficient. 



Ring Video Doorbell Pro

A motion-activated video doorbell system with an app that enables you to see and even speak to visitors at your door from anywhere. Also available for use within your home, for security.

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Dimmable, Wi-Fi-enabled LED light bulbs that allow you to change the lighting from anywhere -- even while away from home -- using an electronic device or smart speakers.

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Smart speakers like Google Home or Amazon Echo can use Wi-Fi to sync with your smart electronics, allowing you to use voice commands to lower the lights, turn on the heat, or even make your morning cup of coffee.
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A sleek thermostat you can control from your phone or tablet, or smart speakers to adjust your heating and air. This device learns the climate of your home, automatically adjusting the temperature when conditions change.

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Wi-Fi enabled adapter that you can plug appliances like your coffee maker into, so you can turn them on and off from an app on your smarphone.



Thursday, July 8, 2021

Understanding Compound Interest To Grow Your Savings




Having extra funds on hand has been linked to better physical and mental health, and when you're putting money aside to save for something you want or need, you may be able to help your funds grow a little more quickly by taking advantage of the power of compound interest. So, what is compound interest, and how it is work?

Compound interest is the addition of interest to the principal sum of a loan or deposit, or in other words, interest on interest. It is the result of reinvesting interest, rather than paying it out, so interest in the next period is earned on the principal sum plus previously accumulated interest.¹


How compound interest works


Say, you decided you can put aside $10 each week, or $40 a month. If you put that money in a drawer for 5 years, you'd end up with $2,400.

Now, let's say that instead, you put your money into a saving account and allow it to collect interest. This interest will compound daily, monthly, or annually, meaning that the interest you've already earned will also earn interest (and help keep your money growing).

The compound interest rate offered by the bank is often called the average percentage yield (APY). Let's say your bank offers a rate of 1.00% APY, compound daily. After 5 years in the bank, you'd have $2,460.98 That's $60.98 more than if it sat in the drawer.



Want to make your money grow faster?


1. Consider saving more

Say you've found a way to cut expenses so you can put $20 aside each week, or $80 a month. After 5 years in the bank, with 1.00% APY you'd have $4,921.96.² That's $121.96 more than if it sat in the drawer.


2. Look for a bank that pays a higher rate

Consider comparing APYs at different banks. Try searching online for high-yield savings accounts and ask your family and friends about their experiences.

Say you're able to find a bank that offers 2.00% APY. After 5 years of putting $80 a month in the bank, you'd have $5,048.06.² That's $248.06 more than if it sat in a drawer.



Okay, now we understand Compound interest, but still prefer the old-way method, here are some piggy bank recommendations that you might like. Piggybank is a good way to teach our child to learn to save from early age, it's a good choice for gifts too.




Re-use stainless stell piggybank with password

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Vcertcpl Digital Coin Counting Bank with LCD Counter

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Does separated headphones for kids necessary? (with headphones recommendation for kids)

  Photo by  Andrea Piacquadio  from  Pexels "It's never too early to start protecting your hearing."   During the pandemic, ch...