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Navy Federal Personal Loan

Navy Federal offers Personal Loans up to $50,000, but if you don’t meet their membership requirements then you may be locked out of using their loans. Check City Personal Loans don’t have membership requirements so our loan services are available to anyone.

Navy Federal is a credit union that provides banking services, like personal loans, to members of the armed forces and their families. Personal loans are most often used for debt consolidation, home improvements, car financing, vacations, weddings, medical bills, and other important major expenses. Each loan provider comes with its own pros and cons to think about.

Navy Federal Personal Loans: A Quick Look

Navy Federal offers a wide variety of personal loan options. They have relatively low APRs and have loan term options for 36, 60, and 180 months, but if you want to finance your loan for longer than 60 months, you’ll need to apply with one of their loan representatives. Since Navy Federal is a credit union specifically for the armed forces, you’ll also have to meet certain requirements to first become a member before you can take out a personal loan with them.

Maximum Loan Amount: $50,000

Rates: 8.19% to 18.00% APR

Fees: No origination fee

Terms: 36, 60, and 180 months

Basically, Navy Federal is a great personal loan provider for those who are already members of their credit union. There are many options for loan amounts and loan terms. But you can only get a personal loan with Navy Federal if you are a member of their credit union, and they have strict membership requirements. If you don’t meet these requirements, they aren’t the personal loan provider for you.

Who is Navy Federal Perfect For?

Navy Federal is perfect for members of the armed forces who want to take out larger personal loans for big purchases. They have low rates for large, long-term loans, which can be very useful if you have large purchases you need help with. But they have very particular requirements for their credit union members.

Navy Federal Membership Requirements:

  • Veterans
  • Members of the Army, Marine Corps, Navy, Air Force, and Coast Guard
  • Army and Air National Guard personnel
  • Department of Defense civilians
  • U.S. government employees assigned to DOD installations
  • Contractors assigned to DOD installations
  • Immediate family members of any of the above

Who Should NOT Get a Navy Federal Personal Loan?

First of all, if you don’t meet the membership requirements mentioned above, then you can’t get a personal loan from Navy Federal. If you do meet their membership requirements then you have to already be a member with Navy Federal before you can take out a loan with them. Many loan providers with membership requirements also require you to be a member with them for a certain amount of time before they’ll let you take out a personal loan, so be aware of this possibility as well.

An Alternative to Navy Federal Personal Loans

If you’ve decided that a Navy Federal personal loan isn’t right for you, then there are other options. Instead of getting a personal loan where memberships are required you can quickly and easily take out a personal loan with Check City, where no membership is required and our loans are available to anyone who applies. Even if you have a low credit score, you can still apply for a loan at Check City.

Reasons to Get a Check City Personal Loan

choices

Check City is a direct lender. You only deal with our people (and not outside, third-parties) to get your loan.

Check City is a state licensed lender. You can enjoy the peace of mind that we’re doing everything right according to the state you live in.

Our application process is quick and simple. Just fill out a short loan application online and you’re good to go!

Low credit? No problem! You can still apply, even if you have a low credit score.

We have no origination fees.

Get cash TODAY. By visiting a Check City store you can apply and receive loan funds all in the same day.

Shorter loan terms and smaller loans. Not everyone needs a giant loan that they’ll have to finance for the next couple of years. Check City offers small loans that you can pay back in as little as 6 months.

How to Apply for a Check City Personal Loan

Applying for a Check City personal loan is super easy. All you have to do is go to our online Personal Loan Page and fill out the short application form. It only takes a few minutes! You can also apply for a Check City personal loan over the phone or in the store. If you apply for your loan in the store, you can actually walk out with your money in that very same visit!

What You’ll Need to Apply:

  • A government ID
  • Proof of bank account
  • Proof of direct deposit
  • Proof of income
  • A valid phone number

Apply Online at CheckCity.com.

Find Check City Stores Near Me and apply at our store.

Or call Check City’s Loans By Phone number: 800-404-0254

If this personal loan option sounds right for you, don’t hesitate to give us a call, visit our website, or visit our stores and get your funds now.

COMPARE SIMILAR LOAN OPTIONS

Check City Personal Loans Discover Personal Loans Wells Fargo Personal Loans *USAA Personal Loan *Navy Federal Personal Loan
Amount $300 to $3,000 $2,500 to $35,000 $3,000 to $100,000 $2,500 to $50,000 $50,000
Rates lower APR than our payday loans 6.99% to 24.99% 5.49% to 22.99% 8.99% to 18.00% 8.19% to 18.00%
Fees no origination fees no origination fees, no closing costs no origination fees, no prepayment penalties no origination, application, or prepayment fees no origination fee
Terms 6 months 36 to 84 months 12 to 84 months 12 to 84 months 36 to 180 months
Min. Credit Score none 660 600 high credit score none

*unique membership requirements.
 
There are many personal loan providers out there to choose from and they all come with their own pros and cons. But as a loan customer, you also have loan requirements to remember when you’re shopping for a loan. Don’t settle for less when it comes to your personal loan and find the right fit for you.

*The information found in this article comes from the lenders’ websites and NerdWallet reviews at the time of posting.

Autumn Daily Deals on Amazon

amazon daily deals

Did you know that Amazon has special sales going on every single day?! All you have to do is visit Amazon.com and click on Today’s Deals to see what’s on sale that day. The list of discounts goes on and on so every Tuesday we highlight some of the best Amazon buys. Today Amazon is starting their holiday sales and their Black Friday 2019 sales. You can find a lot of discounts on some great gift ideas. Snatch them up now and finish your holiday shopping early!

*The prices shown below are the sale prices listed at the time of posting.

Marinade Injector Syringe

turkey thanksgiving

 

Current Sale Price: $7.64
Originally: $16.89
You Save: $9.25! (55% off)

This plastic marinade injector syringe is from Ofargo, and comes with a free recipe e-book PDF upon purchasing. Use this syringe to up your meat cooking game and allow you to marinade better than you ever have before. It even comes with two different kinds of needles, one for finely ground sauces and another for liquid purees. The holidays are upon us and now more than ever our kitchens need to be prepared to create fantastic dishes for all our holiday meals.

Meat Thermometer

cooking thermometer

 

Current Sale Price: $16.95
Originally: $19.95
You Save: $3.00! (15% off)

Once you get a cooking thermometer for your kitchen you’ll wonder how you ever did without one. It’s useful for checking that your meats get thoroughly cooked. It only takes 2 to 4 seconds for it to read the temperature, it’s waterproof, and comes with an internal magnet so you can keep it on your fridge. The Kizen instant read meat thermometer can really help your Thanksgiving meal go much smoother.

Remote Control Car

gift idea for kids

 

Current Sale Price: $24.64
Originally: $59.99
You Save: $35.35! (59% off)

The battery operated Bifyton RC car has 360 degree tumble action so you can make your car do all kinds of awesome stunts! The remote control allows you to control your stunt car from up to 20 meters away and it comes with a rechargeable battery. This remote control car is a perfect gift idea for kids.

 

Beard Oil Conditioner

gift ideas for men

 

Current Sale Price: $15.19
Originally: $17.88
You Save: $2.69! (15%)

This 3 pack includes 3, 1 ounce bottles of 100% natural beard oil. The scents included are clary sage, cedar pine, and sandalwood. Viking Revolution knows that beards need a little TLC every once in awhile, that’s why they created this great gift box idea for the bearded men in your life.

 

Fitbit Fitness Smartwatch

fitbit sale

 

Current Sale Price: $149.95
Originally: $199.95
You Save: $50.00! (25% off)

The benefits of a Fitbit watch are seemingly endless. With a smart wristwatch you can better monitor your health, ask Alexa questions, listen to music, and so much more. You can save so much on this sleek smart watch by purchasing it today and use it yourself or wrap it up as a gift!

Amazon Basics Bedroom and Bathroom Essentials

house essentials

 

You Can Save Up to 34%!

Our homes are always in need of some basic essentials. Amazon basics can help you with that. Today Amazon basics are having a sale on all things bedroom and bathroom, from bed sheets, to bath towels. This is also a good gift idea if you have any newlyweds you need to get presents for.

Amazon Monthly Book Deals

Amazon is a wonderful place to get your winter reading fix. They have a countless number of deals on paperbacks and kindle books. Amazon also has sales on audiobooks. Keeping up with a healthy reading list doesn’t have to cost a lot with Amazon book deals.

Save on Audible Membership!

amazon kindle daily deal

 

Current Sale Price: $6.95 per month for the first 3 months
Originally: $14.95 per month (after 3 months returns to original price)
You Save: $8.00! (53% off) on your first 3 months of audible

One of Amazon’s ongoing holiday deals is a 3 month discount on an audible membership. With audible you can have access to a giant library of audiobooks. You can even give an audible membership as a gift to someone.

What You Did

by Claire McGowan

amazon daily book deals

 

Current Sale Price:$7.98 paperback
Originally:$15.95
You Save:$7.97! (50% off)

Mystery Thriller, Psychological Thriller

What You Did is a gripping tale of betrayal and mystery. During a college reunion with her friends, Ali’s husband is accused of assaulting one of her best friends. But as the story unfolds it becomes clear that her friend might not be telling the truth, and that something much bigger is going on.

Stillhouse Lake

by Rachel Caine

amazon black friday daily deals

 

Current Sale Price:$6.38 paperback
Originally:$15.95
You Save:$9.57! (60% off)

Psychological Thriller

Stillhouse Lake is about a girl named Gina Royal who has a calm, quiet life as a housewife with two kids. But everything changes when she finds out that her loving husband is actually a serial killer. Now Gina must remake herself in order to survive.

My Sister’s Grave

by Robert Dugoni

amazon kindle books daily deals

 

Current Sale Price: $6.38 paperback
Originally:$15.95
You Save: $9.57! (60% off)

Mystery Thriller

My Sister’s Grave is about a girl named Tracy whose sister was killed. A man named Edmund House went to prison for her sister’s murder, but Tracy believes the wrong man was put away for the crime. Follow her journey as she becomes a detective and figures out what really happened to her sister.

 

Holiday sales and Black Friday discounts are the best time to buy things we really need and gifts for those we love. Some people might even depend on buying certain items when they’re on sale. So when you find something you really need on sale, and payday is just a couple days too late, that can be really frustrating.

Luckily Check City can help you out with a quick and easy Personal Loan so that you can save money in the long term and take advantage of important deals regardless of when they happen.

 

How to Get Rid of Bed Bugs

bed bugs

Nobody wants to deal with bed bugs. But if you are dealing with these pests, you’ll need to know the best ways to get rid of them.

What are Bed Bugs?

Bed bugs are a type of parasite. They live off of other living things by taking up residence in things like mattresses and sheets. Like mosquitos, lice, or ticks they bite and drink blood for their nutrients. Bed bugs are a small oval shape with a brown color.

They’re usually the size of any small bug, about the size of a thumb tack, but when their bellies are full of blood they can swell in size and become a redder hue. Thankfully these little demons don’t fly or jump the way some pests can. But they can crawl quickly, meaning they can still spread quickly throughout your house if you don’t tackle getting rid of them as soon as possible.

Bed Bug Bites vs Flea Bites

Since fleas and bed bugs are so similar, it can be easy to get them, and their bites, confused. Below are a few of the key differences between fleas and bed bugs so you can tell the difference.

Flea Bites

Fleas usually prefer to make their homes on animals, so if you have pets make sure to check their fur every so often with a flea comb to make sure they’re flea free. If humans get flea bites it’s usually because a pet they live or interact with has fleas, not because fleas have made you their home. You can also tell if your pet is affected by fleas if they start itching and biting themselves to try and relieve the itching.

Flea bites most commonly occur on the lower half of the body like on legs, feet, waists, and armpits. Their bite marks are red and blotchy like a rash. Like bed bugs, fleas cannot fly, but unlike bed bugs, fleas can jump.

Bed Bug Bites

Bed bug bites look more like mosquito bites than the rash bites that fleas make. Bed bug bites look like small, raised bumps and they often itch. They most commonly bite areas of the upper body like the hands, neck, and arms. Bed bugs are also a bit larger than fleas so they are easier to spot.

If you need some visual references for flea bites on humans, or some bed bug pictures, or some bed bug bites pictures, check out these websites:

How to Treat Bed Bug Bites

Like the common mosquito bite, bed bug bites will fade away in a week or two. To ease the itching you can use a topical itching cream, like corticosteroid cream. If you have a particularly strong allergic reaction to the bites you can take anti-inflammatories like Benadryl.

To effectively treat bed bug bites, do the following:

  1. First and foremost, DON’T itch them
  2. Then, wash the bites with soap and warm water to avoid infections
  3. Put anti-itch or calming cream on the infected area
  4. Wrap the infected spots with bandages to protect them and keep you from itching them

How to Get Rid of Bed Bug Bites Overnight:
First of all, the bed bug bites will go away much quicker if you don’t itch them, so the fastest way to get rid of them is to not itch them. Part of what makes the bite bumps is the swelling, so calming this swelling will help the bumps disappear faster too. Here are some other things you can do to keep yourself from itching them, and help the bites calm down:

  • Use anti-itch cream
  • Use calamine lotion
  • Take an oral antihistamine
  • Pain reliever
  • Wrap up the bitten areas with bandages or long sleeves
  • Wrap up your fingers or wear mittens or cloves so you can’t itch
  • Use an ice pack
  • Use a paste of baking soda and water
  • Apply calming essential oils like camphor or chamomile oil

How to Get Rid of Bed Bug Bite Scars:
If you scratch the bites too much you can open up your skin where the bite marks are and make scars. You treat bed bug bite scars the same way you would care for any scar. Below is a list of things you can use to try and get rid of or hide bed bug bite scars:

  • Vitamin E cream
  • Sunscreen will keep the blemishes from discoloring from the sun
  • Mederma scar gel
  • Aloe vera
  • Honey
  • Coconut oil
  • Apple cider vinegar

There are also a few treatments you can do like laser resurfacing in order to get rid of really bad scarring.

How to Check for Bed Bugs

bed bugs
 

The best way to check if you have bed bugs in your house is to remove the bed sheets and check under the mattress. Since bed bugs aren’t as small as fleas it can be easier to spot the bugs themselves in your mattress. But you can also look for the brown, rusty stains of dead bed bugs and feces on the mattress.

If you’re worried you might have bed bugs, but you aren’t sure, you can also have a professional exterminator come in for an inspection.

Common places where bed bugs can be found:
  • Mattresses
  • Bed frame
  • Box springs
  • Carpet
  • Curtains
  • Clothes
  • Furniture
  • Pillows
  • Blankets
  • Bed sheets
  • Stuffed animals
  • Cracks in places like the baseboards

You can also set up bed bug traps to see if you have any bed bugs in your house or near your bed.

How to Get Rid of Bed Bugs Naturally

Not everyone is comfortable introducing harsh chemicals into their home, especially if they have kids or pets. Check out this website to learn what natural bed bug remedies do and don’t work. If you need to get rid of bed bugs, but you want to do it the natural way, here are some tips on the most effective home remedies to get rid of bed bugs:

Heat

Heat is one of the best weapons against bed bugs. You can use heat to kill bed bugs by washing and drying bedsheets and clothes on the hottest settings. It is most effective if you can use a hot temperature of 115 degrees Fahrenheit or higher.
You can also use a clothes irons and steamers to iron sheets or steam your carpet and curtains.

Cold

You can also use extreme cold temperatures to freeze and kill bed bugs. You can do this by keeping infected items outside in temperatures 0 degrees Fahrenheit or lower for at least 4 days.

Vacuuming

Vacuuming also works to pick up bugs and get them out of your house. Just make sure you empty the vacuums dust bag outside of the house, in a trash bag that’s going to get far away from your house, so you they can’t escape back into your house after getting vacuumed up.

Diatomaceous Earth

Diatomaceous earth is a kind of dust made of finely ground fossils that contain silica. It’s a common pesticide used to kill bed bugs, cockroaches, crickets, fleas, ticks, and spiders. This powder can generally be used inside and outside buildings, on farms, in gardens, and in pet kennels. Depending on the powder you might be able to even use diatomaceous earth on your pet directly.

Diatomaceous earth is a great substance to use to get rid of bed bugs because it isn’t poisonous and it’s been categorized as safe by the FDA. It can even be found in food, medicines, and toothpastes. Regardless of it’s safety, always read the labels and instructions before using any product to get rid of or prevent pests.

How does diatomaceous earth work?
Diatomaceous earth gets rid of pests like bed bugs by drying them out. The dust absorbs all the oils in the insects body and they in essence, suffocate on dust. You can even buy diatomaceous earth on amazon.

How to Get Rid of Bed Bugs for Good

prevent bed bugs
 
One of the best ways to get rid of bed bugs for good is to hire a professional exterminator to come in and treat your home. These are some of the traditional ways to get rid of bed bugs if you don’t mind involving some chemical warfare into the process. After killing as many of the bugs as possible with pesticides, you’ll still need to take care of some key parts of the house to really make sure all the bugs are gone.

How to get rid of bed bugs in a mattress

Remove or get rid of infected bed sheets and mattresses. You can also treat infected mattresses by dusting them with diatomaceous earth.

How to get rid of bed bugs in clothes

Put all your bed sheets through the wash. They key is to use the hottest settings on the washer and dryer. You can do the same with clothes, pillows, blankets, and stuffed animals, or you can put these items in airtight bags for several days to try and suffocate any bugs left in them. You can also put them in below-freezing temperatures like a shed outside in winter or a freezer to freeze whatever bugs are left.

How to get rid of bed bugs in couch

Vacuum the couches thoroughly, including the couch cushions.

How to get rid of bed bugs everywhere else

Bed bugs can also reside in the walls, floors, and areas around the bed. So vacuum all the floors, especially the carpets, emptying the vacuum’s dust bin and taking that trash out to remove any vacuumed bugs from your home.

How to Get Rid of Bed Bugs PERMANENTLY

These tips are for those in dire need of some real results. Maybe you’ve tried everything else and they just didn’t work. If so, you can bring out the big guns against your bed bug problem to make sure the problem is really gone.
You can use chemicals to ensure you’re using maximum power against killing every last bug. Here are a couple common pesticides you could use:

  • pyrethrins
  • pyrethroids
  • desiccants
  • biochemicals
  • pyrroles
  • neonicotinoids
  • insect growth regulators

Some of these chemicals you can use yourself, but the best thing to do if you want to implement these harsher tactics is to call in a specialist to treat your house with these chemicals for you.

How to Prevent Bed Bugs

Here are some tips on how to protect your home from bed bugs in the first place.

  • Get a mattress protector or furniture covers.
  • Spray bed bug repellent to kill them before they multiply.
  • Be careful about getting secondhand furniture and clothes. Check them for bugs before allowing it in your home.
  • Be careful at shared laundry facilities where you’ll be around the clothes and sheets of many other people.
  • Keep the house clean and clutter free so bed bugs don’t have great places to hide out and make their homes.
  • Use bed bug monitor traps that will show you as soon as bed bugs arrive.
  • Make sure your house is sealed up, especially along the baseboards where bed bugs can start to hide out in the cracks.
  • Be careful of public places like hotels

 
Pests are a pretty big nuisance, and small parasites can become a nightmare as they infest your home like a virus. But like the common cold, there are measures you can take to eradicate your home of bed bugs once and for all. If you need help paying for everything you might need to get rid of the bed bugs, stop by Check City and use a Personal Loan.



READ MORE
To read more about bed bugs, check out the following informative articles from WebMD and Entomology.

Learn more about taking care of pets in your home by reading, “How to Make Your Home Pet Friendly.”

Home Tech Deals on Amazon

amazon daily deals lightning deals

There are lots of great deals you can take advantage of every single day, with Amazon’s Daily Deals! You won’t believe some of the great things you can find. Every Tuesday we highlight some of our favorite Amazon Daily Deal buys. Here are some of our top picks from today:

*The prices shown below are the sale prices listed at the time of posting.

Ring Video Doorbell Pro

ring video doorbell

Current Sale Price: $149.00
Originally: $224.00
You Save: $75.00! (33% off)

Get a certified refurbished video doorbell pro for a great price! This video doorbell works with Alexa. With the Ring doorbell you can easily check your front door and keep an eye on your house, at any time of day or night. You can even speak to visitors at your doorstep through the ring doorbell, and it’ll send you alerts when it detects movement.
 

Echo Show

echo show video display

Current Sale Price: $64.99
Originally: $89.99
You Save: $25.00! (28% off)

The Echo Show is a compact smart display that works with your other Alexa devices. You can also get an adjustable stand to go along with it. The Echo Show is incredibly useful. With it you can watch the nursery to check on your sleeping baby, you can make video calls, and you can use it to listen to music and audio books.
 

Electric Kettle

electric kettle cordless

Current Sale Price: $29.99
Originally: $36.99
You Save: $7.00! (19% off)

This sleek looking Miroco electric kettle is a great staple to get for the oncoming winter months. It holds up to 1.5 liters, which can fill up to 8 glasses. It’s also 100% stainless steel with double walls so it’s safe to touch. This electric kettle also comes with overheat protection and auto shut-off so you won’t have any boiling accidents. But one of the most convenient features of this kettle is that it’s cordless! Use this electric kettle to brew all kinds of warm beverages and stay cozy this winter season.
 

YOSUDA Stationary Indoor Cycling Bike

indoor bike

Current Sale Price: $220.99
Originally: $259.99
You Save: $39.00! (15% off)

With winter coming around it can get harder to stay active. Not all of us have the resolve to keep jogging outside when the weather starts turning cold and snowy. But with an indoor bike you can keep up with your workouts from the cozy comfort of your own home. The YOSUDA stationary bike comes with an iPad mount, a comfortable seat cushion, and a water bottle holder, so you won’t want for anything as you meet your goals this year and stay active this winter.
 

Winix Air Purifier

air purifier

Current Sale Price: $99.99
Originally: $199.99
You Save: $100.00! (50% off)

Clean air is as important to our well being as eating healthy. Getting an air purifier for your room can be a great way to clean up the air you breath in your house every day. It even connects to WiFi and Alexa, so you can control the air purifier with your voice.



Sometimes deals and sales are the way that we get things we really need. You may especially depend on sales when you’re in college, or just starting out on your own, or in a new place. So when you find something you really need on sale, and payday is just a couple days too late, that can be really frustrating. Luckily Check City can help you out with a quick and easy Payday Loan so that you can take advantage of important deals regardless of when your payday comes.
 
Share with us what deals you snagged today by using the hashtags #amazondailydeals #checkcity
 
READ MORE
Make clothes shopping not just easier, but cheaper too, by doing your clothes shopping online, “Shopping for Your Clothes Online.”

Get ahead on your Christmas shopping this year, “4 Reasons to Start Early Christmas Shopping.”

Learn how to get thrifty with all your gift shopping this season, “Thrifty Gift Shopping.”

Read all about the post Christmas online shopping addiction and how to you can save yourself from overbuying this year, “The Post Christmas Online Shopping Addiction.”

Save on all your holiday shopping with these tips, “Saving while Online Shopping for the Holidays.”


Upgrade Your Home with Amazon Daily Deals

amazon daily deals

There are lots of great deals you can take advantage of every single day, with Amazon’s Daily Deals! You won’t believe some of the great things you can find. Every Tuesday we highlight some of our favorite Amazon Daily Deal buys. Here are some of our top picks from today:

*The prices shown below are the sale prices listed at the time of posting.

Robot Vacuum Cleaner

 
robot vacuum
 

Current Sale Price: $95.93
Originally: $165.99
You Save: $70.06! (42% off)

Let’s be honest, everybody wants a robot vacuum cleaner. With a robot vacuum, you won’t have to vacuum your carpets or sweep your hard floors ever again! This Coredy brand vacuum even comes with a pet filter.

Echo Wall Clock

 
echo wall clock
 

Current Sale Price: $24.99
Originally: $29.99
You Save: $5.00! (17% off)

Yet another great Amazon device! Amazon Echo now has a sleek wall clock that’s compatible with Alexa. You can set timers using Alexa, and she’ll show you the timer on your wall clock, so you can now see how much time you have left instead of just waiting for Alexa to let you know the timer is done.

Weighted Blanket

 
weighted blanket
 

Current Sale Price: $47.92
Originally: $69.90
You Save: $21.98! (31% off)

Weighted blankets have been proven to help you sleep better and reduce anxiety. But all that extra weight can make these blankets cost a little more than the average blanket. If you’ve been wanting the calming help of a weighted blanket in your life, this deal is for you. It also comes with different colors and patterns to choose from, and weight options from 5lbs to 30lbs.

Portable LED Camping Lantern

 
camping lantern
 

Current Sale Price: $14.44

The Odoland portable LED camping lantern isn’t just a great light source, it can also easily hook onto the ceiling of your tent, and it has a built in fan to keep you cool when the wilderness nights are warm.

Amazon Cloud Security Camera

 
security camera
 

Current Sale Price: $89.99
Originally: $119.99
You Save: $30.00! (25% off)

Keep your home and loved ones safe and secure with the Amazon Security Camera. The Amazon Cloud Camera is a great way to always keep a good eye on your home. It comes with night vision and two-way audio.

Reusable Collapsible Straws

 
reusable straws
 

Current Sale Price: $13.99

You don’t have to be panicked about the planet to see the value of these travel friendly, compact straws. They can clip easily onto your bags and this pack comes with 2 straws, and a straw cleaner. Never be without a straw again while showing a little extra friendliness to the planet with these convenient collapsible straws.



Sometimes deals and sales are the way that we get things we really need. You may especially depend on sales when you’re in college, or just starting out on your own, or in a new place. So when you find something you really need on sale, and payday is just a couple days too late, that can be really frustrating. Luckily Check City can help you out with a quick and easy Payday Loan so that you can take advantage of important deals regardless of when your payday comes.
 
Share with us what deals you snagged today by using the hashtags #amazondailydeals #checkcity

How to Make Chores Fun for Kids!

kids chore chart

Too often chores for kids turn into a power struggle between parent and child. The parent has to constantly nag about chores while the child rebels against doing them, creating tension in the home.

Explore this Article

This cycle of nagging and frustration surrounding chores isn’t healthy for anyone—parent or child. If everyone is left with a bad attitude, what have you really accomplished, even if the chore is done? But not having your kids do chores isn’t a good option either.

Chores help kids learn basic life skills and work ethic necessary to be functioning adults. Succeeding and failing at household chores is one of the first ways kids can grow their skills and confidence in their own abilities. So figuring out the key to making chores effective is actually bigger than simply keeping your house clean.

Chores Benefit Kids

For some parents having your kids do chores seems like a no brainer. But other parents may need some convincing. Kids can sometimes give such a hard time doing chores that it might not seem worth arguing. Kids also might not do the job very well and this can also lead parents to just want to do things themselves.

Parents aren’t just better at daily cleaning they’re usually faster and more efficient too. Other parents might not want to demand too much of their child and want their kid to just have fun and be a kid rather than having the responsibility of chores.

But for all these reasons there is a counter reason for why having your kids do chores is not only beneficial to you, but to your child as well. If you don’t have the patience or you don’t allow them to do chores than you are letting your kids miss out on a lot of benefits for themselves and their futures.

For children, everything is a learning experience and that includes chores. There are many things parents do to aid in the development of their children, like talking to them even when they can’t talk back, let alone understand you. Parent’s hold their child’s hands to help them walk even though the parent is really doing all the work. Parents must remember that doing chores is also teaching your children to do regular human tasks, just like you need to teach them to walk and to talk.

Chores are all about helping children eventually become self-sufficient. They need to walk on their own someday so we help them walk while they’re young and unable to do it well. They need to communicate by themselves someday so we talk to them and teach them words even when they still can’t understand us.

They also need to know how to take care of themselves and their living space otherwise this will be an area of struggle in their independent lives as adults. In fact, Professor Marty Rossmann, from the University of Minnesota, did a study where she found that if kids started doing household chores at around 3 to 4 years old, they were more likely to be successful adults when they reached their mid-20s.
Exterior Benefits
Exterior benefits are going to be the most obvious ones. The house will be cleaner which will be more enjoyable for everyone, and the workload won’t be all on the parents. By having your kids help out in any way, you reduce your own workload and your house will be cleaner with less effort on your part!
Interior Benefits
Having your kids do chores actually benefits them more than it benefits you. Below is a list of the many reasons why household chores are beneficial for the inner growth and development of your child.

Builds Life Skills

Doing chores and the family perspective behind doing them have a greater impact on a child’s success in life than parenting style, IQ, gender, or the type of task. The skills they gain from chores go far beyond the household, or their time living at home. These skills transfer to many more aspects of their life and will be the skills they use to have success in all aspect of adulthood.

Builds Confidence

A child begins to create their own mental image of themselves at home. Chores build a child’s confidence and positive self-image in many ways: By doing chores they learn they can be productive, successful, and accomplish tasks set before them. They learn that they can become competent at the things they work on and that they can contribute in meaningful ways as a valued member of a team (their family).

It also teaches them that they can have a level of control over maintaining their own environment. All of these things boost a growing person’s confidence, leading them to lead more confident and successful lives in the future.

Another way that chores build confidence in kids is through their failures. When kids are first learning to do chores they often fail. The first time a kid sweeps the floor they may miss a lot, or the way they fold clothes might not be as tidy if you just did it.

But if you see their failure and just do it for them, then you’ll teach them that they are failures who are so far from succeeding that they shouldn’t even try and someone more competent, like yourself, should just do it for them.

This is key for parents to remember because chores are not just so kids can help out around the house and alleviate the parent’s workload. Chores are also an integral part in a young person’s development and therefore has a learning curve.

Helps Them Practice Self-Care

kids-self-care
Caring for the space you live in is a big part of caring for yourself. Chores provide some key habits that help people maintain their mental and emotional health as well as outward hygiene. Living in a clean and organized environment is an important element in a person’s mental well-being, and by having your kids do chores you give them the power and know-how to create that healthy space for themselves.
Cleaning Their Own Room
Many children and teenagers struggle with keeping their own room clean. Since it’s their own space you may think it’s not a battle worth waging, but many times in life we end up sharing our personal space with others, like roommates, friends that come over, or a future partner.

Maintaining your own room is also part of personal grooming and hygiene. If you teach your kids now to keep their stuff together then other aspects of their life will be more put together as well.

A messy room also creates a stifling atmosphere. A lot of the angst you may be dealing with from your child may partly be because their personal space is messy. Cleaning their own room helps kids learn how to better take care of themselves.

Teaches Self-Motivation and Responsibility

If you persist, and start at a young age, you can teach your kids to eventually be self-motivated about getting their own chores done. You can also teach kids responsibility, a quality that will serve them well in all other parts of their lives. Giving them the chores also helps them practice being responsible for something. Being responsible and self-motivated are necessary traits for success later in life in their education and their jobs.

Social skills

Chores teach the value of working and cooperating with others. Not only do you learn to work well with others while doing chores, but you learn how to better communicate with others as well. They have to communicate when they need help or when they don’t know what to do next. You can also take the opportunity while cleaning together to just chat and enjoy some one-on-one time together.
fail-family-endure

It’s Ok to Fail

Chores offer a unique opportunity for kids to safely fail and try again at something. Much of life consists of trying, failing, and trying again, and chores are a great way to give kids this practice in a safe environment. With chores they can learn what it means to try again and again at something until they finally succeed.

Setting Up Your Family’s Chore System

There are many ways to set up a chore system. There are also thousands of chore chart templates and ideas online that you can work from. You can find all kinds of free chore charts online, and even free printable chore charts. Having special chore charts for kids can also make doing chores seem more like a fun game than a responsibility. There are point systems, reward systems, and chore assignments that rotate every week or every month.

Figuring out what works best with your family is probably going to include plenty of trial and error. Here are some suggestions that could help turn chores for kids into a bonding experience for you and your children and make managing chore assignments easier.

Cultivate the Right Perspective

Part of cultivating the right perspective around chores is not overwhelming them, letting them make choices, and not using chores as a form of punishment. Household tasks are a necessary part of everyday life, like eating and sleeping. They should be treated as a routine part of life for everyone and not as an extra burden being forced upon them.

Don’t Overwhelm Them

No one likes doing things they don’t feel capable of doing. As an adult it may be hard to understand, but for children something like cleaning their entire bedroom by themselves can seem like an impossibly giant task. A common problem between kids and their chores is getting them to do their chores in the first place. Getting overwhelmed and burnt out by the task is the primary thing keeping them from taking initiative with their chores.

A child’s workload is going to look different than an adult’s workload. Likewise, their workload is going to look different depending on their age. You might be able to easily spend an hour or two cleaning and organizing, but for a child that feels like a whole day and they become burnt out in the same way adults working overtime might feel burnt out. They have smaller bodies and their brains are still developing to withstand the mental fortitude needed to work and focus for that amount of time.

Try dividing the job up into smaller, defined tasks

chore chart template

If you just tell your child to clean their room they might more easily become overwhelmed and lose focus, leaving the job uncompleted. But if you divide the task of cleaning their room into smaller chunks they can more easily know how to tackle that job on their own. So instead of asking them to clean their room, have them go through a checklist of smaller tasks like,

  1. fold and put clothes away
  2. put toys in the toy bin
  3. make the bed

This may seem tedious to some adults but you have to remember the level of development you are working with. Children aren’t adults in smaller form, they are still growing in mental maturity and capacity and this fact carries over into their ability to do chores.

Think of it this way: in school you weren’t just told to write a 20 page paper. First you learned the alphabet, then you learned words, then sentences, then paragraphs, then you wrote a page, and from there you kept working up to writing larger and larger page assignments. Kids need this same principle of education in learning how to clean as well.

Let Them Make Choices

Involve your kids in deciding what chores they do. Another thing that makes it difficult for kids to get their chores done is feeling like they have no choice in the matter. No one likes being forced to work. As an adult you probably do chores because, at some level, you want to—whether you’ve grown to enjoy the work or because you want the results of the work.

Giving kids a sense of choice in their chores helps them feel more motivated to do them. Involving them in choosing their chores also helps them practice making decisions and coordinating workloads with others.

Don’t Use Chores as a Punishment

One way to make your kids hate chores is to use them as a punishment for bad behaviors. If they associate helping out around the house with punishment, then you’re quite possibly setting them up to be a slob for life.

Start Younger Than You Think

When kids are as young as 18 months they often naturally start wanting to help out around the house. This may seem very young but you should let them.

You might be tempted to scoot them away when they express interest in helping with something, because obviously they aren’t going to be very good at it. But if you take the time to include your kids in chores at a very young age, then they’ll be much more likely to have a good attitude about helping around the house as they get older.

Age Appropriate Chore Lists

Along with starting younger than you think with chores, make sure you are giving your kids age appropriate chores. It can help to have a chore list that you can work from to let you know what chores are accessible to which age groups. Below is a list of age appropriate chores that become doable for each age group:

age specific stores

Toddlers

  • Put their toys and books away
  • Help wipe up spills
  • Let them “play clean” beside you as you clean

Young Children

  • Make bed
  • Clean room
  • Put their things away
  • Fold laundry
  • Set the table
  • Help cook simple things
  • Feed pets

Older children

  • Clean room
  • Do laundry
  • Vacuum
  • Sweep
  • Mop
  • Dust
  • Empty trash
  • Wash dishes
  • Clean the bathroom

Teenagers

  • Babysit
  • Yard work
  • Do laundry
Schedule Chore Time

Designate a specific block of time when everyone in the house pitches in. If chores are part of a routine, and siblings and parents are all involved, then your children will need less reminders and less nagging. They’ll also feel more like a contributing member of the family, which can develop into a good motivating factor.

One fun way of doing this is to make a music playlist for chore time. You can pick a time each day where you do chores, like after dinner, then turn on your playlist and everyone works until the playlist is done.

“Gamify” Chores

The term “gamification” refers to turning a mundane task into a game. Household chores offer an incredible opportunity for gamification, and you and your children’s creativity is the only limiting factor.

You could turn cleaning time into a dance party, or have a race to see who gets done first. Another classic gamification technique is to create a “sticker chart,” but instead of a regular calendar sticker chart, turn it into a board game where their stickers lead to a winning destination.

Rewards for Chores?

The purpose of rewards for doing chores should be to teach them that cleaning has natural benefits, not necessarily that doing regular housework will earn them money. For example, once the kitchen is clean they can have dessert or watch their favorite show, or maybe once their room is clean they can have friends over.

Another reason to reward your kids for doing chores is to acknowledge the work they’ve done. Children want approval and appreciation and after chores is as good a time as any to give it. Just like with criticism, you don’t only want to hear from your boss about what you did poorly, you also want to know what you are doing right. Your kids need to hear that too, after all, rewarding success is more effective than only disciplining failures.

For younger kids you can teach them stuff while they clean, like count the toys as you put them away, or say the color of the book and put it on the shelf with similar colors.

The Parenting Press advises parents to not give allowance for chores because in real life you don’t get paid in money to do regular household work. Children need to learn to maintain their living space for that sake alone.

Conclusion

Parents want chores to be a positive part of their child’s life. You want to instill the right perception, facilitate their development and growth, and make chores a bonding experience. Keeping a tidy home should be something that everyone participates in and everyone enjoys doing. So stop nagging, and use chores to help bring your family closer together.


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Check out Jessica Lahey’s book, the Gift of Failure: How the Best Parents Learn to Let Go So their Children Can Succeed, to read more about how chores and failure can help your child grow.

 

written by Kimber Severance, Check City Copywriter

A Lesson on Making Money from Investing

For many people, the safest place they can think of to keep their money is between the mattresses or in a safe in their home. That’s where they feel their cash is safe, in a place that they can pull it out and touch it if they wanted to. Banks won’t give you very much interest, not to mention you could lose all your money should they fail. Many folks like their green backs where they can see them.

The only problem is that unless that money is meant to help pay off a mortgage soon, start a new business with, or spend on some other large purchase, that money is doing nothing more that gathering dust and age, when it could be gathering value.

In the game of monopoly, can you win the game by circling the board; never buying properties and collecting your $200 every time you pass Go? Of course not, in fact, you start the game by purchasing every property you land on, hoping to be the lucky one to purchase the biggest investments (that have the biggest payouts) at the end of the board.

The person that holds onto their money in Monopoly is quickly forced out of business as everyone else snatches up property. Although they lose access to their money, they are rewarded over time with payouts much larger than they could have ever hoped. They also put folks out of business that keep stashing away their money under their mattress.

The game of Monopoly is won off of the principle of investments. Earning money is one thing, putting your money to work for you is another. The key is to know what investments are worth your money.

Investing in Real Estate Property

Since we’re on the topic of Monopoly, why not continue with the only investment built into the game: purchasing property. Property is, and always will be, valuable. As there is a limited amount of it, its supply will always remain stagnant. As the worldwide population is always rising, the demand for living space is rising as well. Therefore, the more property you own, the richer you are.

Some pieces of property are worth more than others. For instance, a half-acre lot located across from the entrance to Disneyland is going to be worth a heck of a lot more than an acre of dessert in the middle-of-nowhere, Nevada. That said, real-estate is always a worthwhile investment, because it will always have value. Some just have more than others.

There are three great ways to make money off of a piece of property. First, purchase a piece of property, sit on it for a few decades, and then turn around and sell it. Without settling, you can often get more from it than what you paid for it. That’s more money than you’ll get with it under your mattress.
Second, purchase a lot that has a building on it (residential or commercial) and rent out the property to other companies. Set rent prices just above your costs (eg. mortgage, property taxes, etc.), have residents pay for utilities and damages, and you’re golden. Your property is not only gaining value, but it’s also giving you monthly, financial gains. When you purchase an apartment complex close to a university, you have a lot of earning potential. Although you have to become a manager of a property, you can make money immediately off of this. Why not make money in your sleep though?

Third, flip houses like pancakes. Purchase a run-down, foreclosed, or short-sale home, fix it up, and sell it. There are plenty of bank-owned properties out there just waiting to be sold at a cheaper price. Buy one, spend some time fixing it up and sell it. You can often earn up to $30,000 to $40,000 dollars off of a single house.

There’s always a risk that the home won’t sell right away, but you still own property that will appreciate in value as you sit on it.
Investing in property is just the Monopoly way to go. Many people have made their fortunes in the stock market, investing in companies that take off and then selling at their peak. Others invest in startup businesses.

There are a number of opportunities out there, you just have to be willing to reach out and grab them. When you have money that you don’t plan on using for a good long while, consider investing some of it in a bond, stock, or property that could pay out a bigger sum than a mattress ever could. It could mean the difference between a comfortable retirement and no retirement at all.

Spring Cleaning Your Finances

As people thankfully lose sight of winter and gratefully greet the onset of pleasant spring weather, many individuals, families, and homeowners are turning to the old tradition of spring cleaning. Spring cleaning is the time for families and homeowners to set themselves to work at giving their home a sufficient, quality and deep cleansing.

Spring cleaning is the time for families to take an inventory of their possessions, clean out the winter’s clutter, and get reorganized. While these principles are usually applied to physically cleaning out the home, this year a family may wish to consider applying the same principles of spring cleaning to their personal finances.

Save Big Money With Generic Products

And as long as the subject of spring cleaning is fresh on the minds of family members, a family might as well start their financial spring cleaning by saving money on their actual spring cleaning supplies. One of the best ways to save money on household cleaning supplies is by buying generic or off brand cleaners.

Generic brands, store brands, and off brand cleaners, as opposed to the well-known name brands, can be found at discounted prices and overall cheaper costs for the same basic cleaning ingredients that the more expensive name brands include in their cleaners. Buying generic cleaners over name brand cleaners has been shown to save consumers up to thirty eight percent on cleaning costs.

Take Advantage of Coupons and Sales

In addition to buying generic brands, a shopper can save money on spring cleaning supplies by being aware and looking out for discounts and coupons on cleaning supplies at local markets and grocers. Choosing to buy discounted cleaning supplies can be better accomplished by planning ahead for the upcoming cleaning projects.

Beyond saving money for the physical spring cleaning of the home, a family can take their spring cleaning ambition into cleaning up and revitalizing their finances. In some ways, spring cleaning the family’s finances is a very literal cleaning process, what with the various important documents and financial paperwork that will need reorganizing.

To keep better track of one’s finances, and thereby become more effective with their finances, a simple but clear organizational process is typically required. This can be either physical hard copies of important documents that will need to be organized in a clear manner or a digital organization of online or electronic documents.

It’s Time to Go Paperless

As a part of this, a family can greatly improve their organization of financial documents if they will shred those documents that can be found online. For example, if the family receives their monthly bank statement in the mail and online through an online banking system provided by their bank, then the need for the monthly mailed copy is superfluous.

In this situation, a family can contact their banking institution and ask that their monthly banking statements be sent to them through email or posted on their online account. In this way, a family can cut the clutter of monthly bank statements from their hard copy financial documents and thereby become more organized in their financial records. In addition to getting statements from your bank online, it’s also possible to sink your bank account with most of the popular budgeting apps that are on the market.

It is important for family to remember, however, that while they are going through their financial documents they should have a paper shredder on hand. Sensitive information such as birthdays, social security numbers and bank account numbers may be present on unwanted paper documentation and can be stolen, yes stolen, from the trash and used by identity thieves to wreak havoc on a family’s finances.

While some feel that hard copy financial records are more secure than online records from those who would steal their information, the truth is that with modern firewalls and protective servers in use by financial institutions a person’s records are much safer in electronic form than they are in a hard copy paper form. Because of this, as part of this year’s financial spring cleaning, a family may wish to consider talking with their banking institution about switching all that is possible into an electronic form of record.

Spruce Up The Family Budget

Lastly, a family that is undertaking the project of a financial spring cleaning will probably want/need to refurbish and revise their family budget. Budgets are vastly important tools for a family to use in order to stay financially secure and stable.

But the usefulness of a budget immediately decreases if a family chooses not to abide by the financial guidelines they have set out for themselves. Additionally, an outdated budget can lose its effectiveness quickly as fluctuations in family income or needs arise.

While performing their financial spring cleaning this year, a family might want to consider taking another look at their family budget. Revising where needed and reaffirming their commitment to living with a budget will add to the family’s financial success in the coming year. As always, when you start to focus on budgeting it’s important to stick to your budget and work towards your financial goals but also understand that things come up.

As you work on financial spring cleaning this season understand that there might be times when you come up a little short, if you find yourself in that situation Check City has several services that can help get you through until your next Payday such as cash advances or pay day loans.

5 Excellent Natural Home Decor Tips

Decorate Naturally

How often do you walk through your home and think about the things you would like to have, but it’s just not the right time? When you walk in the door after being outside in the rain, you wish you had a place to hold your coat. Maybe you misplace your keys all the time, but would keep better track of them if you had a key rack. Unfortunately, these are a mere want, and not a need in your life, so you can’t justify the purchase. Well why not use a few cheap screws and make one yourself using the resources Mother Nature gave you? Here are some great natural home decor tips:

Wood

You can actually use wood as a wall rack for your home. If you live near a beach or a river, take walks along them and look for driftwood. Find a piece that looks straight, generally symmetrical, and sturdy. Take it home, strip it of excess twigs, and dry it out. Use your artistic abilities to make the wood into a beautiful wall rack! If you want more color, use some spray-paint and paint the wood. Driftwood art and driftwood furniture are great options for natural home decor!

Additions

One way to invite natural home decor is adding a piece to an existing display. Keep your eyes peeled for items that have an interesting shape. You might find a branch or rock that would sit atop a table to balance out a decorative mirror. Such a display adds a sense of style to any room. If you want some color, feel free to use your artistic skills and add some paint to the item!

Flowers

Flowers are a great option for natural home decor! Soft and warm colors are often used in natural decor. You can make a room pop with a splash of color. A dish of bright flowers, or a brightly colored piece of coral can add a great touch to an otherwise boring environment.

Natural & Woodsy

You can also add a natural design, rather than a natural object. If you are a bit crafty, sew up some stunning throw pillows with a beach or woodsy theme. You can also find abstracts which can remind you of a natural theme. Most fabric stores offer a variety of interesting edges to give your pillows some character.

Tucked & Grouped

You can add some great touches when you tuck natural objects among your accessories. For example, you can tuck sea shells among your mantel designs. Try weaving in branches, shells, starfish and rocks.

If you have a lot of small objects, try storing them in groups. Those small items will turn into a great piece when they are grouped together!

Each of these ideas can be created with little or no money. You have to develop your eye to make your home as pleasing and calm as you desire. Start looking around for an object to add character to your home! We hope you have enjoyed these tips, good luck finding some natural home decor.

5 Important Water Heater Maintenance Tips

Prolong the Life of Your Water Heater

Many people don’t think too much about their water heater. It works when they move in, and they expect it to continue working forever. But just lighting the pilot light isn’t going to ensure your heater will always work. There’s a very good possibility that it will break sometime during its lifetime and you can help avoid that with proper maintenance.

To keep your water heater in good working condition, you can practice some annual maintenance that will prolong the life of your water heater. If you keep your water heater maintained, you can extend the lifetime, lower your energy bill, and keep the risks of leaks very low. Here are some great water heater maintenance tips:

What You’ll Need

Keep a record of the brand, model, and serial number of your water heater. If you have to replace parts, this information will be vital to purchase the correct parts. You should also know the following about your water heater:

  • Is your water heater tankless, or a storage tank water heater?
  • What is the gallon capacity?
  • What is the age of your water heater?
  • How is your water heater powered? Gas, electric or propane?
  • Is your water heater under warranty?

It is very important that you know all of this information for proper water heater maintenance.

Know the Location

In order to maintain your water heater make sure you know where it is located. If your home is big enough to have more than one water heater, know the location of both water heaters.

If there is an emergency, make sure you know how to turn off the water and power source to your water heater in case there is a leak, smell of gas or burning, etc. Most water heaters have a disconnect switch or a gas valve close to the water heater. If your water heater is gas, you should also know the location of your gas main shut-off or the breaker if your heater is electric.

If you need help finding these switches, valves, or water heaters, contact a professional to show you!

Keep it Clean

Keep the area around your water heater clear. A gas unit needs a good oxygen supply to burn the gas to power your unit. If the unit is crowded it can lessen the efficiency or cause damage to the burner chamber and even cause carbon monoxide leaks.

Also, you might not see if the unit starts to leak. In addition, if the area around the unit is clear, you can keep any water damage of personal items to a minimum.

Drain or Flush

Drain or flush your water heater at least once a year using the drain valve. You can use either a 5-gallon bucket or run a garden hose to a place where the water can drain without causing damage. Because the drained water will be hot, do not drain onto plants or lawn to avoid burning your plants.

If you notice a lot of debris or sediment, then a full flush is recommended. The drain valve will be open long enough to drain the entire unit. To perform a full flush, turn the temperature down, completely drain the tank and then turn the water back on. Let the unit continue to drain to help any lingering sediment or debris. Once, you’ve drained the unit; turn the temperature back to the desired setting.

If you have any questions or concerns, contact a professional and they will help you learn how to flush a water heater.

Inspect

You should inspect your water heater frequently. Check for leaks, from the top to the bottom. You will want to look for heavy corrosion on the valves and pipes. For gas units, make sure the draft hood is placed properly to allow a few inches of space between the tank and where it connects to the vent. Also check around the thermostat.

If you noticed any black residue, charred metal or soot you are having combustion problems and will need to have the unit serviced by a professional. Check for any sign of leaks, rust streaks or residue around the panels covering the electrical components.

When you perform a yearly tune up or maintenance, you can prolong the life of your water heater. You also won’t be surprised if the unit breaks, since you’ll have inspected the unit yearly. It is always smart to contact a professional and get helpful tips and tricks when performing these tasks! We hope you have enjoyed these water heater maintenance tips! Thanks for reading.

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