At some point, almost everyone gets a dab of money that is unexpected — or at least from a source different from payday money.
You may win, inherit, or get some as a gift. And then there it is, looking lovely and fresh in the checking account.
Go wild or what?
People tend to treat money differently depending on how they got it. Money from a job usually goes to living expenses first and foremost.
But a gift? Maybe then you want to treat yourself to a ‘want’ instead of a need.
Inheritance is more sobering since the money comes from a person you respect, and you might not want to waste it.
How about $50 from a scratch-off ticket? For many, winning money feels like spending someone else’s money. And they do.
Tax return money? It usually has a place to go.
It’s a fun exercise to consider your impulses when it comes to unexpected money. The way you view it is called ‘mental accounting,’ according to Investopedia.
Of course, money experts say all money should be treated the same. Author Gary Belsky once wrote that all found money should go into a savings account for just one month. When the month is up, it will feel more like savings than a windfall. You will be less likely to spend it on a shopping spree.
The key to treating all money the same way is to focus on big financial goals, like retirement or college accounts. So when you are blessed with a little extra, you know just where you want to put it.
December Celebrity Birthdays!
Do you share a birthday with a celebrity?
1 – Bette Midler, 77, singer, actress, Paterson, NJ, 1945.
2 – Nelly Furtado, 44, singer, Victoria, BC, Canada, 1978.
3 – Daryl Hannah, 61, actress, Chicago, IL, 1961.
4 – Jay-Z, 53, rapper, and music executive, born Shawn Corey Carter,t Brooklyn, NY, 1969.
5 – Margaret Cho, 54, actress (All-American Girl), comedienne, San Francisco, CA, 1968.
6 – Janine Turner, 60, actress (Northern Exposure), Lincoln, NE, 1962.
7 – C. Thomas Howell, 56, actor, Los Angeles, CA, 1966.
8 – Dominic Monaghan, 46, actor (Lord of the Rings), Berlin, Germany, 1976.
9 – Judi Dench, 88, actress, York, England, 1934.
10 – Melissa Roxburgh, 30, actress (Manifest), Vancouver, BC, Canada, 1992.
11 – Gary Dourdan, 56, actor, Philadelphia, PA, 1966.
12 – Sheila E, 63, singer, born Sheila Escovedo, San Francisco, CA, 1959.
13 – Emma Corrin, 27, actress, Royal Tunbridge Wells, England, 1995.
14 – Vanessa Hudgens, 34, actress (Spring Breakers), Salinas, CA, 1988.
15 – Adam Brody, 43, actor (The O.C.), San Diego, CA, 1979.
16 – Theo James, 38, actor (Divergent), born Theo Taptiklis, Oxford, England, Dec 16, 1984.
17 – Sean Patrick Thomas, 52, actor, Wilmington, DE, 1970.
18 – Billie Eilish, 21, singer, born Billie Eilish Pirate Baird Oâ€™Connell, Los Angeles, CA, 2001.
19 – Kristy Swanson, 53, actress, Mission Viejo, CA, 1969.
20 – Uri Geller, 76, psychic, clairvoyant, Tel Aviv, Israel, 1946.
21 – Kiefer Sutherland, 56, actor, London, England, 1966.
22 – Ralph Fiennes, 60, actor, Suffolk, England, 1962.
23 – Susan Lucci, 73, actress (All My Children), Westchester, NY, 1949.
24 – Louis Tomlinson, 31, singer (One Direction), Louis Austin at Doncaster, England, 1991.
25 – Rachel Keller, 30, actress (Fargo), St. Paul, MN, 1992.
26 – Beth Behrs, 37, actress (Two Broke Girls), Lancaster, PA,1985.
27 – Olivia Cooke, 29, actress, Manchester, England, 1993.
28 – John Legend, 44, singer, born John Stephens, Springfield, OH, 1978.
29 – Iain De Caestecker, 35, actor (Agents of S.H.I.E.L.D.), Glasgow, Scotland, 1987.
30 – V, 27, singer (BTS), born Kim Tae-hyung, Daegu, South Korea, 1995.
31 – Tim Matheson, 74, actor (Bonanza), Los Angeles, CA, 1948.
How to become an early childhood educator
If you love working with children and want to contribute to your community, consider becoming an early childhood educator. High school graduates, retirees returning to the workforce, and anyone seeking a new profession may want to pursue this career path. After all, these experts are in demand.
A skilled professional
Early childhood educators are often misunderstood. They’re not babysitters; they’re hard-working, qualified individuals who are responsible for the following:
• Creating educational programs to promote children’s development
• Assessing the abilities, interests, and needs of toddlers
• Preparing various documents, including evaluation reports
• Helping children develop good habits
There are a number of university and college programs you can take to acquire the skills you need to pursue this profession. In some cases, scholar¬ships and work-study programs may be available.
Four considerations for an online Christmas party
If you can’t visit your loved ones during the holiday season, consider getting together with them online. A virtual celebration is an alternative option that simply requires a bit of preparation. Here’s what you’ll need to think about.
When picking a date and time for your online event, consider everyone’s availability. Don’t forget to factor in time zone differences, if applicable.
There are several online applications you can use to host your virtual get-together. Select the most appropriate one based on how many people will be attending as well as their computer skills and available internet access. Some platforms also allow guests to join by telephone.
Plan a few activities to make the event more fun. For example, arrange for everyone to eat a similar meal or drink the same cocktail. You can also play games that work well remotely, like trivia challenges and bingo.
Set up your computer in an appropriate location, and if you need a table or room to move around, prepare accordingly. Then, add some festive decorations to your background. Consider wearing a headset for superior sound quality.
If you’re giving gifts to your loved ones, mail them ahead of time so they can unwrap them online during the celebration.
Four myths about Black Friday
The shopping phenomenon known as Black Friday grows in popularity every year. To help you find the best sales and discounts, here are four common myths you should know the truth about.
1. Myth: It’s best to wait until Black Friday to start your holiday shopping
Fact: Waiting until Black Friday to start your holiday shopping may seem wise. However, the gifts you want to buy may not be available with today’s supply-chain shortages. Consequently, starting your holiday shopping as early as possible is best.
2. Myth: You can’t use coupons or price match on Black Friday
Fact: There may be some heavily discounted items during Black Friday sales, but this doesn’t mean you can’t use coupons or price match. Many retailers will meet or beat their competitors’ prices, even on Black Friday.
3. Myth: Everything is cheaper on Black Friday
Fact: Items such as clothing, furniture, and the newest video game consoles aren’t usually discounted during Black Friday events, and you may get a better deal on these items at other times of the year.
4. Myth: You can get injured at Black Friday sales
Fact: You’ve probably seen news footage of shoppers getting trampled as they rush into stores for door-crasher sales. However, there’s a statistically better chance of getting struck by lightning than getting injured at a Black Friday event. If you’re wary of crowds, visit retailers later in the day.
Keep in mind that Black Friday sales typically start in early November and last until after Cyber Monday.
59 years later … where is Jackie’s hat?
When her husband was assassinated on November 22, 1963, Jacqueline Kennedy was wearing her iconic pink suit and pillbox hat.
Today, nearly 60 years later, nearly every detail is known about that dark day except one: What happened to Jackie’s hat?
Her suit, covered in her husband’s blood, is kept in a secret location at the National Archives and Records Administration’s complex in Maryland. It will never be cleaned. It will stay there until 2103 when the family can decide if it should be displayed.
But the hat won’t be there. Jackie had it on in the car and at the hospital, but she didn’t wear it when she stood by Lyndon Johnson as he took the presidential oath of office. It is known the hat traveled from Dallas to Washington, D.C. From there, it seems to have disappeared. According to the Seattle Times, it is possible that the hat was sold or stashed in an attic. It might surface eventually, but for now, it’s a mystery.
Driving under the influence: effects, detection, and consequences
The holiday season is in full swing, and celebrations of all kinds abound. However, amidst the merriment and festivities, it’s important to remember you should never get behind the wheel if you’re intoxicated. Here’s what you should know.
Many of the skills required for safe driving, such as sound judgment, acute concentration, impeccable coordination, pronounced visual acuity, and quick reflexes, are impacted by drug and alcohol use. Consequently, being under the influence can result in speeding, driving off the road, swerving into oncoming traffic, and dozing behind the wheel.
Police officers use their training as well as what they see, hear and smell to determine if a driver has drugs or alcohol in their system. Plus, they can take a breath sample to determine a motorist’s blood alcohol level. Police may also issue a standardized field sobriety test (SFST), which typically requires the driver to walk in a straight line, stand and turn or stand on one leg.
If you’re caught driving under the influence of drugs or alcohol, you could have your license suspended following your arrest, even before being convicted.
Once convicted, the severity of your sentence will depend on your background and the circumstances surrounding your arrest. For instance, you could receive a hefty fine and jail time if you injured or killed someone.
Make sure you drive responsibly to avoid collisions and other serious consequences of getting behind the wheel while under the influence.
Get home safe
Instead of driving while impaired, do one of the following:
• Take public transit
• Call a cab
• Find a designated driver