How Much Money Will You Save From Buying a Travel System

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As a parent, there is no shame in choosing to be practical. Looking for hacks to save effort, time, and money is perfectly valid as long as your child’s safety is not compromised. When preparing for your child’s must-have list, one of the things that are surely included would be a car seat and a stroller. Of course, you can’t skip the car seat because it’s vital for safe car rides. And although there are some parents who prefer to carry their children around, strollers are more convenient for walking on long durations and distances.

You can buy the two separately, but you can also purchase a travel system. Basically, a travel system is a car seat and a stroller combo. When you follow this link, you can quickly notice that some manufacturers even include other goodies to the set. Now, the question here is which one will save you more money? Is buying both equipments in a single purchase gives you a bang for your buck?

Car Seat Stroller Combo vs Separate Purchases

A travel system is composed of two separate parts that fit together. They are easy to attach, and you don’t need to buy extra equipment for them to work. Another advantage with the combo is that you can leave the base of the car seat in your vehicle. 

This means you don’t need to wake your sleeping baby when you transfer him/her in and out of the car. There are also other inclusions and features in the travel system which we will talk about later.

But travel systems also have a downside. Some parents can say that a combo is one of their regretted purchases. The reason for this is because some travel systems can be costly, and buying a cheaper unit has its cons. In order to lower the price point, manufacturers have to do some tweaks. 

For example, you can get a seat that is a joy to adjust and install in the expense of a bulky and hard-to-unfold stroller. Or you can also get a one-hand folding stroller in the cost of a car seat that is challenging to adjust.




While travel systems eliminate the hassle of matching a stroller and a car seat yourself, buying the two separately gives you more personalized options. You can search for a car seat that will surely fit well into your vehicle and a stroller that is less bulky but works with a lot of brands.

How Much Money Will You Save From Travel Systems?

Directly speaking, you can save from $80-$100 depending on the inclusions and features of the unit. Because some models allow you to recline the car seat horizontally and vertically, your child can use the combo for longer. This saves you from buying a separate bassinet, although some units also offer a bassinet along with the stroller toddler seat.

Because you’ll be getting a toddler seat in the stroller and an infant car seat, you can think of it as getting three purchases in one. Some models even include a separate bug shield from the UV shield of the canopy which is a plus.

There are even car seat stroller combos like the UPPAbaby 2015 Vista that allows you to experiment with the configurations. You can add the included bassinet along with the toddler seat or use the car seat with the toddler seat. 

This feature is useful since you don’t have to purchase a separate stroller. At the same time, you can have both of your children in one stroller while walking. You can also position the seat from facing you (rear-facing) to forward-facing as your child grows.

Another area where you can save money is the fact that infant car seats have higher weight limits than bassinets. Bassinets usually have a weight limit of around 20 pounds while infant car seats can accommodate up to 35 pounds. 

If you add this number to a stroller with a 55-pound limit, you can get a long duration of usage. Although the American Academy of Pediatrics doesn’t have a specific limit of using a stroller, it is best to get one with a higher number.

Final Take

Prioritize quality over anything else. But this doesn’t mean that you have to use your child’s college fund just for a car seat and a stroller. First, evaluate the car seat and the stroller of the combo individually. Check if the car seat fits well into your vehicle and weigh the features and capability of the stroller since you will use it longer than the infant car seat.

Financial Protection Is Something We Can No Longer Ignore

One of the problems that we are all facing today is the growing advancements in ways people are able to dig into our pockets and take money. It could be an excellent salesperson “Wolf of Wall Street” style, commercialization in which we are persuaded that we ‘must-have’ this particular item, and of course the very subject we are going to hit on today – those that are making money by selling our financial information.

How Do People Get Hold Of Our Financial Information

Even with all the ethical laws out there that are put in place to guarantee our privacy, greed will still overcome those laws. This is why companies such as Enron contributed to the 2008 stock market crash, and how many other financial companies back in that time were pulling the wool over their investors’ eyes with fake figures.

This was greed because these people did not want to lose their fat paychecks or tarnish their reputation for being successful – another type of greed.

It is agreed that many syndicates out there use to operate. It is all very well believing the amount we earn is protected by company privacy laws, but what happens when someone offers an HR employee a nice sum of $1,000 to give him a list of names and addresses as well as their current earnings? How many say no and how many say yes? 





This does happen. And then this information is sold on a black market and eventually fed through to large corporations who process the data into their systems.

No one can track how they got this data, and hat happens when they do get caught buying this black market info? Usually, they have an elaborate cover-up story, plead innocence, and at worst get let off with a small fine; a fine that is just an expense that is worth far less than the profit made by buying that information.

Computer Fraud or Online Fraud

Internet security, being used as sécurité internet for hackers is another vulnerable area every business has to protect. However, once again, in some smaller firms computer personnel have been caught actively selling access to their company system on the Dark Web in exchange for Bitcoins. There are probably plenty of cash deals that go on too.

In the USA people are hot on the subject of blaming Russian and Chinese hackers for influencing government polls. How did these people get into these websites in the first place? Was someone paid to make sure these government websites had lesser security? Well OK, we don’t really know if what are hearing in the media on this subject is true or not, but let’s say these government systems are as vulnerable as the media has reported, then how secure is our financial data?

The foreign invasion of the US IT systems has been dubbed as protection internet, which many of us cannot read or comprehend. However, just because the USA is always in the news, that does not mean every other country is also under threat from these cyber attacks. They are, and it is not just cyberattacks, but information fraud; although the information technically comes from a computer system, so this is a form of a cybersecurity breach.

Tips to Get the Right Idea for Your Start-up

When it comes to starting a new business, the most common question that pops up in people’s mind is how to get the right idea to get business off the ground. Business involves a great amount of investment, which is why careful deliberation over a niche you choose for your business is extremely crucial. Not only you have to focus on what is propitious but also you have to analyse your skills and interest.

Coming up with a business idea requires extensive research; you must know about the trends, longevity, demand and above all your finances. Not all business niches can fall within your budget. You will have to maintain the balance between both. However, you can take out payday loans from direct lenders with no credit check from AOneFinance if your savings a have fallen short of cash. Here are the tips to get the best business idea for your start-up.

Your idea must aim at solution to a problem

Of course, you will not choose a niche at which you are not good at all. Jot down things that you would like to do and would not like to do in your business life. Once you have prepared a list, find out which will serve you most of the satisfaction. Focus on the idea in which you have interest. For instance, you have decided to deal in jewellery. 

Well, it does not mean that you are going to open a jewellery store where you will wait hours for a customer to call on your shop. This is just a category. Now brainstorm everyday problems that revolve around it. For example, people have jewellery but they do not have jewellery stand. From there you get the idea. 



If you design jewellery boxes and tie up with stores to sell them to their customers. You will be able to earn commission, and once the demand of your product soars, you will be able to sell them online through Amazon.

Create a market of your idea is unique

You can come up with a business idea that is unique and has no market at all. Perhaps you would have identified a thing that could be a problem down the road. This futuristic vision will help you in the long run. 

Proactive approach is always welcome in the business world. Create a market by letting people know about the futuristic problem as well as the solution you are ready to provide them beforehand. For instance, the level of carbon dioxide and carbon monoxide is on the rise due to consumption of fuels at large scale. 

A car manufacturer company can introduce new models that consume either less fuel or run on electric battery. Another example is if you are dealing in cosmetic product line, you can manufacture a product that does not let makeup evaporate in sweat. Proactive approach will help you prevent the problem before it arises, which is a must for a successful business.

Think how you can make people’s lives easier

Coming up with a unique business idea does not mean that you have to manufacture a new product. In fact, you can add new features in the existing product. You just have to think how you can ease your customers’ lives. There are numerous products around you. You can pick any of them and think how you can add new features to them.

Find what people are looking for on social media

You must know who your target audience is and what they need. Social media is the best platform that can help you about their needs. Join communities and forums, ask questions and discuss problems. Before finding a solution to a problem, you must know what exactly the problem is. 

Once you have given the solution, do not forget to take their feedback. Whether your product served their needs or not. Ask them what problems they had while using your product and then work out to remove flaws.

Consider your hobby into turning a business

Not all businesses aim at providing solution to a problem. A jeweller or an owner of ice cream parlour does not provide solution to a problem. They are doing that business as they want to do it and they are good at it. The ultimate goal of any business is earning livelihood. Why not turn your hobby into business if you can do it? 

Identify inherent talent and use it to earn money. If you think that you can become a language trainer, you should open your own institute. If you think you have writing skills, you should try to become a novelist or freelance magazine writer. Over the time, you will be able to open your own publishing house and have a team of editors and writers.

If you want your business to be successful, you should identify your skills and talent. Do in which you are good at.

How an Idea Becomes a Marketable Product

For the world’s leading entrepreneurs, it is no secret that the first step towards creating any life-changing product is to formulate and develop a winning idea. 

While turning that winning idea into a marketable product may seem like an intimidating process, the truth is that adequate time and preparation in the product development process can allow you to succeed in ways that you may not have believed possible.

The Importance of Research and Development in Product Realization

Even on a small scale, a solid approach to research and development in the early stages of concept revision can significantly boost the likelihood of a product’s success. Putting effort into market research will enable you to better understand the potential place of your product within the current marketplace. 

A person who develops an idea for a new mobile app may wish to see if similar applications already exist, where they are sold, and how much customers pay for their use.

By understanding the landscape in which you will market and sell your new product, you can give your product a better chance at thriving in a competitive market.

Sourcing Quality Product Components

It isn’t enough that your product have an attractive outer casing or flashy marketing gimmick; you’ll need to ensure that you’re building a quality product with quality components. 



Just as you would want to use the best ingredients available to you in order to cook a dinner for your family and friends, you’ll want to ensure that your product is built with the best components available in your price range.

Make sure the components central to your product, such as rigid flex circuit boards, batteries and other electronic necessities, will adequately fulfill the needs of your customers and will last more than a few months. Without a functional and reliable product, your idea will stand little chance of winning over buyers in the long-term.

Seeking Feedback

Whether you’re seeking advice from trusted mentors or scheduling full-scale focus groups to study what the public thinks of your product idea, seeking feedback is a vital step towards understanding the strengths and weaknesses of both your concept and your marketing plan. 

When you solicit the viewpoints of others, you’ll allow yourself the chance to spot design or conceptual flaws that might otherwise derail a successful product launch. Instead of waiting for your product to hit the market, use feedback to prepare in advance for any hiccup that may arise in the development and marketing process of your product.

Turning a great idea into a great creation is often a product of time, effort and responsiveness to the needs of customers. With the right approach to research, product components and critical feedback, you’ll find that a successful product launch is well within your abilities.

Financially Overwhelmed? 4 Tips for Keeping Your Monthly Payments Organized

Staying on top of your finances is important, and a big part of that is making sure that all of your monthly payments are paid as they are supposed to be. It’s easy to become a little overwhelmed with this, but these tips will help a lot.

Write up a Budget

It’s going to be hard for you to pay your bills if you don’t know how much your bills are and if you don’t set aside enough money out of your paychecks to pay them. Tally up all of your bills, from your online property tax payment to your average electric bill and your mortgage or rent. 

Then, make a plan for how you are going to afford all of the payments. Make sure that you leave room in your budget for other expenses, too, such as food and gas.

Use Autopay

When possible, consider signing up for autopay with your creditors. This is a good way to make sure that you don’t forget to pay a bill, and you will not have to worry about the hassle of actually physically paying it each time. Plus, many companies actually offer some sort of discount or incentive for customers who sign up on autopay.

Use Online Bill Pay

When autopay is not an option, consider at least using the online bill payment system that your creditor offers. Then, you do not have to worry about leaving the house or making a phone call to pay your bills. 



You should be able to pay them at any time of the night or day, whenever it is most convenient for you. This can make your life a whole lot easier when it comes to paying your bills.

Keep Documentation

Make sure that you keep receipts and confirmation numbers of the bills that you paid. This will help you balance your bank account and keep better track of your spending. 

Plus, if something goes wrong and you aren’t credited for making a payment, you will have proof that you did pay your bill. This can really come in handy if you have a problem with a bill later on.

If you’re having trouble keeping up with your monthly payments and keeping your money organized, then it’s time to make some changes. With the help of the tips above, you can take back control of your finances. In no time, you may find that you are in a better financial situation.

5 Ways to Get Personal Loan Even with Bad CIBIL Score

Personal loans are easy to avail when you meet all related eligibility criteria. One of the most important factors when considering creditworthiness is your CIBIL score, which is your credit rating. Generally, poor credit scores disqualify you from availing loans. However, there are certain tricks that makes personal loans for bad credit possible.

If you need a personal loan with bad CIBIL score, you can try these workarounds to get the financial help.

Take the loan jointly

When it comes to personal loans for bad credit, the best alternative is to opt for the loan together with another friend or family member. Ensure that the other member’s CIBIL score is at least 750. In this manner, you can bypass your poor credit rating and receive the loan amount from the lender.

Check for errors on CIBIL rating

In some cases, the CIBIL score may fail to show your actual creditworthiness. This generally happens due to a mistake during the CIBIL score calculation. Ensure such faulty scores do not hamper your chances of availing a personal loan. Double-check all the details you provide on CIBIL, such as the PAN number and credit history information.

Enquire about associations between lender and employer

Salaried employees working for reputed companies or organization can check whether their employer has a tie-up with the NBFC in question. You can exploit this connection to avail a low CIBIL personal loan. Financing companies often prefer lending money to employees of such esteemed companies.

Look for other lenders

The eligible credit score for availing a personal loan varies between different lenders. Some NBFCs may offer such loans on lower credit scores as well. Therefore, you should look at all available options. 



You may find a lender whose eligibility criteria you can match. Personal loan eligibility calculators will help you determine whether you can avail a loan or not.

Reinforce your application with a collateral

In general, personal loans are unsecured financial products. You cannot pledge an asset against the money you borrow. However, some financing companies may allow you to do so if you are looking for personal loans for bad credit. Check whether your lender has such provisions in place.

However, improving your credit score is the best way to ensure a fast and hassle-free personal loan approval.

Methods to improve CIBIL rating

• While using credit cards, keep in mind that you should spend only as much as you can repay within the billing date for the card. Unpaid credit card bills hamper your credit rating.
• If you are already repaying a loan, ensure you make EMI payments on time every month. Late payments or defaults will adversely affect your CIBIL score.
• In some cases, the credit score on your CIBIL account does not reflect your credit rating but that of someone else’s. This may happen due to an error on your part while entering your details or due to other reasons. Rectify these mistakes as soon as you notice them to improve your credit rating.
• Rather than looking for a personal loan for bad credit, you can try to improve your CIBIL score by increasing the credit limit on your credit card. High credit limit results in a better first impression about you on lenders.

NBFCs provides pre-approved offers, which makes the loan availing process simpler and faster. These offers are available across both secured loans, such as home loans, and unsecured loans, namely, business loans and personal loans.

So, do not stop looking for a personal loan for bad credit. You will either find a way to avail such a loan with poor CIBIL score or improve your credit rating in the process.