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5 Factors Working Moms Need To Consider Before Relocating – GOBankingRates

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With the rise of remote work, some women may be considering relocating for a number of reasons, such as moving to a larger home or being closer to family. However, there are a number of factors working moms should consider before making a move. In today’s “Financially Savvy Female” column, we’re chatting with Charlotte Cowan Geletka, CFP, managing partner at Silver Penny Financial Planning, about what some of those factors are.
Keep Up With the Latest: Sign Up for The Financially Savvy Female Newsletter
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Don’t underestimate the cost of the actual move — this needs to be factored in when comparing the costs to live in your current home compared to your desired new location.
Related: 4 Essential Tips for Moms Re-Entering the Workforce
Read: 3 Money Moves Every Woman Must Make, According to Rachel Cruze
“You can spend thousands of dollars moving and getting set up,” Geletka said. “You’re so emotionally invested in getting the home, but you’ve got to get yourself there, plus all the setup costs — furniture, all that kind of stuff.”

Taxes can vary greatly from state to state and even city to city. In addition to income taxes, pay attention to estate tax, inheritance tax, sales tax and property tax.
“People look at housing costs and they don’t look at all the other things,” Geletka said. “Take what you’re spending now and add it all up. Itemize it out.”
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This includes everything from your weekly grocery bill to how much you spend on dry cleaning.
“You have to look up the child care costs in your area because that is going to be a significant part of your costs,” Geletka said.
Find Out: What To Expect (Financially) When You’re Expecting
This can be an especially large factor if you are moving away from an affordable (or free) child care arrangement.
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“Say you move to the Midwest and you buy a house that costs less, but let’s say you’ve lost a cheap child care arrangement so now you have to go full price on child care,” Geletka said. Those costs can greatly up your overall living expenses so need to be considered.
A change in location sometimes requires a major change in how you live — which can add additional costs.
Learn: How Every Woman Can (and Should) Become a Confident Investor 
“Say you need a car because you lived in a city and you didn’t need a car,” Geletka said. “Add that cost in. Or you moved to a different climate so you need warmer clothes. It’s not just the house.”
Read: How To Handle the Financial Pressure of Being the Sole Breadwinner
GOBankingRates wants to empower women to take control of their finances. According to the latest stats, women hold $72 billion in private wealth — but fewer women than men consider themselves to be in “good” or “excellent” financial shape. Women are less likely to be investing and are more likely to have debt, and women are still being paid less than men overall. Our “Financially Savvy Female” column will explore the reasons behind these inequities and provide solutions to change them. We believe financial equality begins with financial literacy, so we’re providing tools and tips for women, by women to take control of their money and help them live a richer life.
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HOD tackles license portability, policy changes – American Veterinary Medical Association

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The AVMA House of Delegates (HOD) took on issues such as veterinary license portability across states and policy changes at a weekend meeting held January 7-8, during the Association’s annual Veterinary Leadership Conference.
The House’s Veterinary Information Forum addressed ways to make it easier for veterinarians licensed in one state to gain licenses in other states, as well as how to increase support for veterinary team members. During its regular business meeting, the House approved a new policy supporting collection of antimicrobial use data as well as updates to the AVMA policies on rabies and rabies vaccination waivers.
The AVMA News team reported on all of the HOD actions in articles published shortly after the meeting concluded. These are available for all in the profession to read online:
The House also said farewell to four colleagues for whom the weekend meeting was their last one as members of the House of Delegates. Please join in congratulating and thanking these volunteers retiring from the House of Delegates. Those retiring, their affiliation, and years of service were:
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Trends Gen Z will keep driving on Instagram next year – Free Malaysia Today

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PARIS: From more sustainable fashion and cleaner beauty to the virtual and the digital – not to mention the prevalence of social media and influencers – find out what to expect next year on the Instagram social network.
Looking ahead to 2022, Instagram has unveiled a comprehensive report on the trends to watch out for on the web in its Trend Report 2022.
After interviewing 1,200 social network users, aged 13 and 24 in the United States in October 2021, Instagram has identified ten points shaping up to be hot topics in 2022.
A simpler approach to beauty
Fashion looks set to come in various flavours next year.
50% of the teens and young adults surveyed are set to try bold fashion aesthetics like “Dark Academia,” “Goblincore” and more nostalgic looks in 2022, confirming the return of retro.
About one in three people say they’re more interested in buying and learning about “clean” makeup and beauty products in 2022: “This includes plant-based skincare, vegan makeup, using less products on their skin and products with ‘clean’ ingredients,” Instagram explains in its report.
Second hand takes centre stage
It’s all very well looking good but what about protecting the planet? Almost one in four people, or 23%, are expected to shop on second-hand fashion sites in 2022.
About 24% of teens and young adults intend to help make fashion more eco-friendly by selling their stuff on sites or social networks next year.
Thrift store fashion will still be relevant in 2022 as the issue of eco-responsibility in the fashion world is still a top concern for Generation Z.
While online shopping has become a real trend on social networks, about 27% of teens and young adults, or more than one in four, plan to use social networks to make purchases.
Music meets social media
While TikTok can boast of being a springboard for new artists, Instagram also confirms the importance of music on its platform.
24% of users say they are more excited about visual music experiences in 2022, while one in four teens expect to follow live concerts on social networks. 70% of teens even rely on social networks to discover new songs and artists.
And when it comes to music, it’s all about dancing. Dance challenges will always be a hit online. More than one in three teens are looking forward to new dance challenges in 2022, including more elaborate routines.
Creators can be as influential as celebrities
For four in five young people, influencers and other well-known content creators on social networks have more impact on culture than traditional celebrities such as actors, Instagram reveals in its report, “Today, young people are impacted by a wide spectrum of creators and their relationship is more tightly aligned around shared interests and less so on how popular they’ve gotten.”
Finding your calling
The Covid-19 pandemic has shaken up our relationship with work. 63% of Gen Zers agree that they have re-evaluated their career goals because of the pandemic.
For this so-called sacrificed generation, a large salary is no longer seen as a goal in life. 71% now prefer to have a meaningful job, even if it pays less. The younger generation has totally redefined what success looks like.
90% of Gen Zers believe that the best education comes from real-life experiences. 66% of them are even beginning to re-assess the true value of a college education.
Hunger for kitchen expertise
The #Food hashtag has a bright future ahead of it. Cooking on social media will still be trending in 2022.
According to Instagram, young users will still be looking for new and increasingly complex recipes to further improve their cooking skills.
Indeed, one in six teens or young millennials are showing increased interest in at-home molecular gastronomy.
Meanwhile, one in five young adults want to learn more about mixology techniques to try at home, or are ready to go out of their way to learn about new ways to source ingredients.
Online wellness
Wellness is one of the trends that works on Instagram.
Indeed, at-home workouts are more popular among the social network’s users, at 48%, compared to 34% for those not on Instagram.
To feel good, users will continue to talk about mental health. About one in three will partake in activities such as meditation sessions and exercise events.
Creative hobbies will also be sought after, with one in four young people trying their hand at drawing, painting or any other artistic activity.
The new generation wants to feel good, both physically and mentally, and this also involves creating a more environmentally friendly home.
The gaming world on social media
In light of the Covid-19 pandemic, the world of video games has boomed. This trend was already present and will continue to attract new followers.
With the creation of avatars and the arrival of fashion in the metaverse, “non-gamer” gamers are accessing video games through fashion.
Now, one in five young people expect to see more branded clothing for their digital avatars.
Plus, 40% of teenagers and young adults expect more trends around video games in 2022. Live-streaming of video games will continue to appeal to young people, with about three in ten watching livestreams of gamers.
Memes keep raising a smile
To better cope with the often gloomy news, internet users will increasingly rely on the use of memes, these humorous viral montages often shared on social networks.
More than one in five young people paid more attention to memes about the stock market and astrology in the past year.
Social justice
Instagram users are more engaged citizens, it seems. They are more likely to have voted in local, state and national elections, at 18% compared to 6% for young people not using Instagram, the social network said.
Plus, 52% of Instagrammers followed a social justice account in 2021.
They are also increasingly willing to donate to causes, at 37% for 2022 against 32% in 2021. A generosity from which charities will be able to benefit by making appeals for donations directly on Instagram.
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More than just beaches and Unesco Heritage sites, Penang offers visitors a wide array of hawker fare that is second to none.
Nanostix Innovation director Shahabudeen Jalil says industry players have been called up by the health ministry for briefings but were simply ‘told what to do’.
Tourism, arts and culture minister Nancy Shukri says her home state of Sarawak is ‘the’ place for eco-tourism, food, culture and tradition.
Many people don’t have access to clean air. Here’s a guide on how to choose the right air purifier so contaminants and allergens in the air are eliminated.

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TikTok Live Gifts: How Can TikTokers Earn Diamonds, Exchange It For Money? – iTech Post

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TikTok creators can now earn real money through their live streams! Supporters can give their favorite streamers TikTok live gifts, and that helps them earn virtual diamonds.
TikTok is a popular video platform that features quick clips over diverse genres. TikTok is not limited to the topic of discussion, but it cuts most of its content short, helping viewers save up their time when watching the videos.
Due to its massive popularity, many grew interested in the platform. Both streamers and creators gather to create communities and improve their influence through it. Now, some are wonderinging if they could earn money through the platform.
TikTok creators and streamers need to follow strict regulations on the platform. Also, there are many different rules to understand when earning and converting the TikTok currency. 
According to Screenrant, TikTok creators need 1000 followers before they could access TikTok live. Users need to be 16 years old and above to host their livestream. Hosts also need to provide permission for all the viewers to join the live stream, so it is best to advertise the event beforehand.
To clarify, TikTok users need to earn diamonds, which will be converted to real money. They will earn their diamonds through live gifts, which takes its value based on 50 percent of the spending amount. TikTok takes the other 50 percent as a commission fee. It takes 200 Diamonds to reach $1.
Advertisemint gave a situation of TikTok encashment. For example, a viewer gifted a steamer the Drama Queen virtual gift, which is worth 5000 coins. The streamer should automatically earn 2500 diamonds, which equates to $12.5 withdrawable money.
To emphasize conversion rates, YouTuber Davison highlighted the following:
It is important to note that all TikTok currency uses USD in its exchange regardless of server.

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Viewers who want to support their favorite TikTok streamer have to send out virtual gifts during livestream.
First, however, viewers need to buy virtual coins to purchase their virtual gifts. They can do so by opening “Settings,” heading to “Balance,” and clicking on “Recharge.” At the time of writing, the current coin conversion rate was 100 coins for $1.39, 500 coins for $6.99, 2000 coins for $27.99, and 5000 coins for $69.99.
After loading up some coins, supporters can now buy virtual gifts. Some of the available choices are:
To send these gifts, simply join TikTok Live and scroll down to the Gift button in the comments section. Here users can choose the gifts and click “Send.” Users can also simultaneously recharge coins and buy new gifts even during livestream.
TikTok can change these exchange rates at any moment based on their own discretion.
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