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tonimariesims · 13 days

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Alaina and Miguel are on their honeymoon to el selvadorada.

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baesheexx · 3 months

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Barbie moved into her first house, and made herself an honorary grilled cheese after unpacking.

Using the Peachie save file by @pyuppy absolutely in love with everything about it !!

☆ Generation I : Housewife Barbie

Goals:

Complete Successful Lineage aspiration

Max Parenting and Cooking skills

Have at least 3 kids and 1 pet, each child must complete at least one child aspiration and they must all be A+ students

Must have Family-Oriented trait ✔

Extra Goals:

Marry before adulthood

Max Gardening, Baking, and Gourmet Cooking skills

Take at least three vacations with your family

#simspiration #sims 4 community #sims 4 #sims 4 simblr #mysaves #sims barbie legacy #mybarbielegacy #sims 4 legacy #sims 4 screenshots #sims 4 gameplay #ts4 simblr #ts4 screenshots #chrono

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lawnclown · 3 months

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mwehehehehe look at Vlad + my sims

#uhhm uhhh #sims #i need to like . redo Eli and make benedita and liana more vampire like since they were just turned #ALSO NEED TO MAKE A COWBOY VAMPIRE.... mysave has 16 vampires tho i don't need any more of them

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bethannangel · 1 year

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I’m this close to buying a badge for SXSW for next year. Can someone please talk me out of it

#I finally built mysavings back up and now I wanna spend it all

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lucidicer · 4 months

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i delete mysave and restart and dont move past chapter 3 <3

#IM IN AGONY #olli.txt

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nadja-brasil-ts2 · 20 days

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Brenda agora está idosa, mas continua linda. Esse save foi iniciado em dez/21 com a ajuda da @rafamundosims que até hoje ajuda os iniciantes com seus vídeos maravilhosos. Brenda morreu, agora não sei quem vai ser minha querididinha para continuar a história.

#Belavista #mysave #BrendaMalpaga #TS2HISTÓRIA

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maskofmirrors · 9 months

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TUMBLR I’M DRUNK WHY ARE YOU GOING TO CONFUSE ME WITH THIS NEW SHIT???? I NEED TO SEE MYSAVED SHIT THAT I PLANNED ON READING!!!!!.....Sorry for sober people that follow me for the possible chaos that happens I don’t like the new layou.t for desktop

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thesecrettimes · 9 months

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6 Best Savings Accounts for Kids of 2023

That’s why it’s important to choose a savings account that’s perfect for your child. While the best no-fee savings accounts might seem lucrative, they may not offer other important benefits you might find valuable for your child, such as a high yield. We compiled our picks for the best savings accounts for kids to help you narrow down your options. Our top picks for savings accounts for kids Capital One Kids Savings Account: Best No-Stress Option PNC S is for Savings Account for Kids: Best Educational Experience Bethpage Federal Credit Union Young Adult Savings: Best For Teens Spectrum Credit Union MySavings Youth Account: Best High-Yield Account USAlliance Financial’s MyLife Savings for Kids: Best For Diaper-to-Diploma Northpointe Bank Kids Savings: Best For The Big Savers Best Savings Accounts for Kids reviews Pros No minimum deposit to open No minimum balance requirements or fees Cons While the 0.3% APY is competitive, it's hardly the highest on this list Why we chose it: With no minimum deposit and no minimum balance required, you won’t have to worry about getting hit with surprise fees, all while your child continues to enjoy a competitive 0.3% APY. HIGHLIGHTS APY 0.3% Opening deposit No minimum deposit to open Fees No fees Age limits Any child can open an account along with one adult; if the child is under 12, the adult must be the child's parent or legal guardian Bonuses $0 The Capital One Kids Savings account is a user-friendly choice to start little savers on their financial journey. Its 0.3% APY is competitive for a youth account, and there are no monthly fees or minimum balance requirements to maintain this rate. The Capital One app allows kids to watch their money grow, and the adult custodian on the account can easily link their child’s account to their own to transfer cash. You can also set up automatic transfers, which makes paying weekly allowance a breeze. As a bonus, when your child turns 18, the account will automatically convert to a 360 Savings account, allowing your child to access their funds on their own and enjoy the benefits of an adult account. Of all the options on this list, the Capital One account is the most low-risk, stress-free option you could choose for your child. Pros Offers a unique educational approach No minimum deposit to open Cons Very low .01% APY Monthly service charge of $5 kicks in automatically when the child turns 18 if the balance is less than $300 Why we chose it: In partnership with Sesame Street®, PNC’s S is for Savings account offers a fun and educational saving experience for your child. HIGHLIGHTS APY .01% Opening deposit No minimum deposit to open Fees Monthly service charge of $5 after the account holder turns 18, unless a minimum balance of $300 is maintained Age limits Any child under 18 may open an account jointly with an adult parent or legal guardian Bonuses $0 By partnering with Sesame Street®, PNC offers an interesting approach to educating kids on financial literacy while allowing them to save real money. Their interactive online portal allows kids to learn how money and savings work through fun lessons from their favorite Sesame Street® characters. You can also teach your kids about budgeting by logging in to your PNC online banking portal and selecting the S is for Savings tab. There, you’ll see three cartoon jars labeled “savings,” “spending” and “sharing.” From here, you and your child can work together to create a budget. This is a fantastic option for any parent who wants their child’s savings experience to be as educational as possible. However, their .01% APY leaves much to be desired, which means this might not be the best option if you anticipate that your child’s account will ever hold more than a few hundred dollars. Pros Competitive 5.0% APY No monthly fees Easily add a checking account when your child is ready Cons Very few physical branches throughout the United States Why we chose it: With the ability to easily add a youth checking account, this is the perfect savings account for teens who are ready to gain financial independence. HIGHLIGHTS APY 5.0% for up to $1,000 Opening deposit $0 Fees No monthly maintenance fees Age limits For ages 20 and younger Bonuses $0 While educational portals with Sesame Street® characters might be great if you’re opening an account for a six-year-old, your sixteen-year-old likely has different priorities. The Bethpage Federal Credit Union Student Savings account is a great choice for teens, as it allows them to eventually open an additional teen checking account, offering them their own debit card with no overdraft fees. The savings account offers kids a lucrative 5.00% APY on balances up to $1,000 in addition to no monthly maintenance fees. Bethpage also allows kids access to 24/7 digital banking once they turn 13, which means your teen can gain independence by monitoring their own spending and savings. The one drawback is that while anyone in the United States may join the credit union, few physical Bethpage branches exist in most parts of the country. However, they make up for this with an abundance of in-network ATMs and a comprehensive online banking experience. Pros High APY No minimum balance required Cons Membership requirements are so specific as to render this a non-starter for the vast majority of people Why we chose it: At 7.0%, Spectrum offers an unheard-of APY for a youth account. HIGHLIGHTS APY 7.0% on account balances up to $1,000 Opening deposit $25 Fees No minimum balance if you sign up for eStatements within 60 days of opening Age limits Anyone under 18 Bonuses $0 If you’re wondering if that 7.0% APY is a typo, it is not. On balances of up to $1,000, your child can earn an APY more competitive than those enjoyed by many of their adult counterparts. With no minimum balance (when you sign up for eStatements within the first 60 days of joining) and a mere $25 minimum opening deposit, this is an exciting opportunity for your child to watch their money grow. So what’s the catch? Well, getting into Spectrum is harder than getting into most country clubs. To be eligible for membership, you must meet one of the following criteria: Be a non-manual employee of the Bechtel Corporation or one of its subsidiaries Be a member or employee of a Spectrum Credit Union sponsor organization Be a member or employee of a select list of partner nonprofits Live, work or study in certain areas in San Francisco, California or Frederick County, Maryland Be a family member or descendant of someone who meets the above criteria While Spectrum offers top-of-the-line financial products, it’s an inaccessible option to the vast majority of young savers. Pros Annual $10 birthday gift Easy transition from the kids account to the teen account Cons APY higher than national average, but less lucrative than others on this list Why we chose it: With its yearly $10 birthday gift and easy option to transition to a teen account, USAlliance Financial’s MyLife Savings for Kids is an account your child can grow with. HIGHLIGHTS APY 2.0% on the first $500 Opening deposit $1 Fees None Age limits After 13, transition to Teen Savings Option Bonuses $10 birthday gift each year Some options on this list are ideal for young children, while others are better suited for older kids who will transition to a checking account very soon. If you’re looking for a savings account that can take your child from diaper to diploma, USAlliance is a great option. They offer a decent 2.0% APY up to $500 and no fees. When your child turns 13, they can transition to a teen account that offers the option of a checking account with a debit card. One of the perks of this account is that it gives kids a $10 bonus every year on their birthday. While that might not exactly put them through college, little perks like that can help create excitement around money. Pros Lucrative APY structure that can help your child make their money grow No monthly fees Cons While the APY structure is enticing, it's not as high as some of Northpointe's credit union counterparts Why we chose it: With a tiered APY structure, the Northpointe Bank Kids Savings account is a great option for those planning to save large sums of money. HIGHLIGHTS APY 1.5% on the first $1000 Opening deposit $10 Fees None Age limits Anyone under 18 Bonuses $0 If your child is already talking about building their empire, then the Northpointe Bank Kids Savings account is probably the right choice for their goals of world domination (when it comes to saving, of course). It offers a highly competitive tiered APY structure, which is structured as follows: Earn a 1.5% APY on the first $1,000 Earn 1.12% APY on the next $1,000 to $9,999 Earn 0.35% APY on any money saved beyond the second tier If you’re thinking these numbers might not be as lucrative as others we’ve seen, bear in mind that institutions such as Spectrum are credit unions with high barriers to membership. Northpointe, on the other hand, is a bank that just about anyone can join. Other companies we considered While the companies mentioned above are great options for children’s savings accounts, they aren’t the only ones available. Here are a few other options worth investigating. BECU Early Saver Youth Account Pros Highly competitive 6.17% APY on the first $500 No monthly fees No minimum balance to open Cons Only available to residents of Washington, certain parts of Oregon, and certain employees and alumni Why we didn’t choose it: Similar to Spectrum, it offers a very lucrative APY but has restrictive membership requirements. HIGHLIGHTS APY 6.17% APY on the first $500 Opening deposit No opening deposit minimum Fees None Age limits Anyone under 18 Bonuses $0 While the BECU Early Saver Youth Account offers a fantastic 6.17% APY for the first $500, no monthly fees and no minimum balance requirements, most people won’t meet their eligibility requirements. Membership in this credit union is only available to those who are: Residents of Washington state Residents of certain areas of Oregon Employees of BECU or Boeing Members of select partner associations, including the UW Alumni Association or WSU Alumni Association Much like Spectrum and other exclusive credit unions, it’s a great option if you’re eligible, but the vast majority of people won’t be. Wells Fargo Way2Save Savings Account Pros No monthly fees for those under 24 years old No minimum balance to open Cons At .15% APY, it simply couldn't compete with other options available to consumers Why we didn’t choose it: It’s a similar product to what’s offered by Capital One with a lower APY. HIGHLIGHTS APY .15% Opening deposit .15% No minimum deposit to open Fees No monthly maintenance fees for account holders under 24 years old Age limits Children under 13 need an adult joint owner to open, while those 13-17 may open accounts independently Bonuses $0 It’s always nice to see a savings account with no fees, minimum balance or deposit requirements. However, Wells Fargo offers a similar product as Capital One with half the APY. The one benefit of this account is that young people can enjoy the no monthly maintenance fee benefit until they’re 24 years old, which could potentially make it a good option for a college-bound young person who may be disorganized with their finances. M&T Starter Savings Account Pros No minimum deposit to open No monthly maintenance fees Cons Very low APY Account won't convert to an adult account when your child turns 18 Why we didn’t choose it: While it might be a fine choice if there’s an M&T branch located very conveniently near you, there are no features that make the Starter Savings account jump out as a superior option to others available on the market. HIGHLIGHTS APY .01% Opening deposit No minimum deposit to open Fees No monthly maintenance fees Age limits Available to anyone under 18 Bonuses $0 Very few things jump out about the M&T Starter Savings Account. While it offers consumers no minimum deposit to open and no monthly maintenance fees, its APY is very low and seems to offer no benefits or bonuses to compensate for it. Furthermore, while many of the accounts on our list will automatically convert to adult accounts when your child turns 18, M&T does not offer this option, and account owners will have to manually open a new savings account and move the money there. Savings Accounts for Kids Guide When it comes to choosing the best savings accounts, the criteria for adults differ significantly from those for kids. Here’s our guide on savings accounts for kids and how you can make the right choice for your child. Main things to know before choosing savings accounts for kids One of the biggest factors in choosing a kids’ bank account is the APY, or the annual percentage yield, which represents how much you’ll earn on the money in the account. However, the interest you earn isn’t the only factor to consider in choosing one financial institution over another. If your child is on the precipice of young adulthood, it might be important that the bank or credit union also offers youth checking programs so they can have their own debit card. For many people, proximity to a physical branch is a major factor, so many continue to choose community banks with somewhat less lucrative offerings than major financial institutions. What is the average opening deposit of savings accounts for kids? While most banks seem to require very small minimum deposits of $5 to $25, you may encounter larger financial institutions with steeper requirements, especially if you are investing a great sum of money. However, many commercial banks require no minimum deposits to open an account to entice new customers. This seems especially true of children’s bank accounts, as these accounts pose little risk to the financial institution. Even the best savings account for kids might seem like it has too-good-to-be-true minimum deposit requirements. What are the requirements to apply for savings accounts for kids? The requirements to apply for a savings account for kids will vary depending on the bank or credit union. While some may require a certain minimum deposit or require that the child in question be of a specific age group, the vast majority of banks tend to take anyone under 18. When it comes to credit unions, the requirements could be very specific, such as requiring that the parent or legal guardian of the child be a member or employee of a partner organization. What are the benefits of a savings account for kids? For one, your child can save for their future and potentially grow their savings with the right APY. This money can be put toward college tuition, travel and other important — but expensive — life milestones. Another benefit has to do with the gift of financial education. By instilling in your child the importance of saving over spending, you’re helping to ensure that they grow into a financially literate adult. In May of 2023, the collective credit card debt of the United States hit an all-time high of $930 billion. Many adults who feel like they’re drowning in debt lament that they were never taught important financial management skills in childhood. By teaching your kids the importance of saving when they’re still young, you can help them to avoid common financial burdens. While it’s one thing to invest for a child, it’s equally important to bring your child into the process and let them have hands-on experience with finance when they’re young. Savings Accounts for Kids FAQs How much money should my kid put in their savings account? How much your child decides to put into a savings account depends on a few factors. First, they should consider their financial goals and why they're saving. If trying to save up for something specific, such as a new computer or car, they should divide the amount of the purchase by the number of months they'd like to save for to determine how much they should contribute to their monthly savings. However, if they're just saving for general reasons or to invest for college, then they may want to figure out how much is needed for essentials or even pocket change each month and save the rest. There's never such a thing as "too much savings," and your child is at a time in their life when they don't have to worry about rent or expenses. So they're at the prime age to save as much money as possible. What happens to the savings account when the kid turns 18? This varies depending on the financial institution. Some banks will automatically convert the account to an adult savings account without you having to do anything. Other banks, such as Wells Fargo, will allow you to hold on to a kids bank account well into your early 20s. Be aware that some banks expect you to manually close the account and transfer the money to a new adult account. It's best to check with your bank regarding their policy on what happens to children's savings accounts when the child becomes a legal adult. What is the minimum age to open a savings account for kids? While some banks do have minimum age requirements, the majority allow you to open a savings account for your child from the time they are born, provided that a parent or legal guardian is the joint owner of the account. It's never too early to begin investing in your child's future, especially in an era where education costs are rising. Research the best investment accounts for kids to find the best way to optimize your child's financial future. Should I pay taxes on my kid's savings account? You will need to pay interest on your child's savings account if the interest earned exceeds a certain threshold. It's best to consult a tax professional if you suspect your child's investment earnings may have exceeded what would be considered exempt from taxes. While savings accounts are certainly one of the best low-risk investments, they sometimes yield a taxable return. How We Found the Best Savings Accounts for Kids To compile this list, we researched the savings accounts for kids available at various financial institutions and reviewed the following: APYs and Interest Rates – We reviewed each financial institution’s APYs and interest rates and looked for accounts that would yield the highest return. Unique Opportunities For Kids – We looked for accounts that offered unique opportunities for kids, such as financial education programs or birthday bonuses. Red Flags – We looked for any possible red flags, such as accounts that didn’t automatically convert to adult accounts when the child turns 18, a convenient feature that most financial consumers appreciate. Summary of the Best Savings Accounts for Kids of 2023 Capital One Kids Savings Account: Best No-Stress Option PNC S is for Savings Account for Kids: Best Educational Experience Bethpage Federal Credit Union Young Adult Savings: Best For Teens Spectrum Credit Union MySavings Youth Account: Best High-Yield Account USAlliance Financial’s MyLife Savings for Kids: Best For Diaper-to-Diploma Northpointe Bank Kids Savings: Best For The Big Savers Read the full article

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mysavvies · 11 months

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Régime, ou pas ? Summer body ou tarte aux fruits? #shortsyoutube #mysav...

#youtube

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takeuchiyoshihiro · 1 year

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クロワッサン🥐のテイクアウトついでに、イートイン☕️ #メゾンカイザー名古屋店 #名古屋市千種区 (メゾンカイザー) https://www.instagram.com/p/Cml-h-MySav/?igshid=NGJjMDIxMWI=

#メゾンカイザー名古屋店 #名古屋市千種区

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tonimariesims · 12 days

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Katalina, her sisters, and her roommate went to SimChella.

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baesheexx · 3 months

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Meet the founder of our Barbie Legacy Challenge by @sims-himbo

Generation I : Housewife Barbie

Goals:

Complete Successful Lineage aspiration

Max Parenting and Cooking skills

Have at least 3 kids and 1 pet, each child must complete at least one child aspiration and they must all be A+ students

Must have Family-Oriented trait ✔

Extra Goals:

Marry before adulthood

Max Gardening, Baking, and Gourmet Cooking skills

Take at least three vacations with your family

#mysaves #sims barbie legacy #sims 4 #sims 4 legacy #simblr #mybarbielegacy #chrono #CAS

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nightlioness · 3 years

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Hello All! This is my version of the Fantasy Save by @rethasim. It has been so much fun seeing all the different fantasy sims and humans interact! Thanks to all that contributed to help this world come alive!

You can download here

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leeramonesims · 3 years

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Lee Ramone’s Base Game Save File

My first ever save file is finally done! My goal was to give simmers who don’t own any packs an opportunity to have a cool save file too!

All that you need is to own the base game and the free holiday pack.

Details and link to download under the cut

My save file includes:

- important: auto aging is disabled!! if you want your sims to age please change this in “Game Options”

- 122 sims (76 in the map and 24 homeless sims)

- some sims 2 characters, as well as their family trees

- skills, jobs and relationships between the sims in the map

- a graveyard where you can visit some ancestors (as well as add your own, of course)

- 20 public spaces, such as:

- 1 public pool

- 3 bars

- 2 museums

- 2 lounges

- 2 nightclubs

- 2 libraries

- 2 gyms

- 6 parks (1 can be used as a community garden, and 2 include wedding venues)

- 5 fully furnished starter homes so you can start playing with your own sims if you wish to do so;

- 4 big fully furnished homes which are marked as rentals. I added them for people who like to have “house goals” for challenges such as the legacy challenge, or for anyone who simply wants to move into a more fancy home

Here is what the maps look like: