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Getting Kids Ready for Back to School: Tips for a Smooth Transition

As summer winds down, the excitement and anticipation of a new school year begin to build. Preparing your kids for back to school can be a fun and rewarding experience with a bit of planning and organization. Here are some tips to help ensure a smooth transition: 1. Establish a Routine Start adjusting your child’s sleep schedule a week or two before school begins. Gradually move bedtime earlier and wake them up closer to the time they’ll need to get up for school. This helps their bodies adjust and makes the first week back less of a shock. 2. Organize School Supplies Make a list of necessary school supplies and involve your child in the shopping process. Letting them choose their notebooks, pens, and backpacks can make them more excited about the new school year. Don’t forget to label everything with their name! 3. Create a Study Space Set up a dedicated, clutter-free area for homework and studying. Ensure it’s well-lit and stocked with all the supplies they might need. Having a speci
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Consumer and Business Insolvencies Continue to Rise in November

 

According to the Office of the Superintendent of Bankruptcy, consumer and business insolvencies continued to rise in November. Consumer insolvencies were up 24% in November compared with a year ago, while business insolvencies rose 36.8%. The data shows insolvencies for both consumers and businesses continued to rise from pandemic lows.

Business insolvencies rose 41.8% year-over-year in the third quarter of 2023, surpassing pre-pandemic levels. However, consumer insolvencies in the third quarter were still below pre-pandemic levels. In November, that trend continued — business insolvencies were higher than in November 2019, while consumer insolvencies were a little lower.

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