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Photo: SDI Productions from Getty Images Signature via Canva.com Hanscom is one of the largest federal credit unions in Boston. As of 2024, it has almost 100,000 members and manages $1.9 billion in assets. Let's see how it compares to the largest federal credit union in the nation. Source: NCUA as of May 7, 2024 The Navy Federal Credit Union started in 1933, according to their website. That's 20 years before Hanscom. At the time, Navy Federal only had 7 members, but grew to serve over 13 million members by 2024. Their mission? To "be the most preferred and trusted financial institution serving the military and their families." Being a national credit union it's no surprise that Navy Federal's assets and deposits are 100x Hanscoms. Who Offers Better Rates? We're impressed that both Hanscom and Navy Federal offer interest earning checking accounts. Navy Federal requires a minimum balance of $1,500 to earn a dividend, while Hanscom requires a little more -- $2,000 average daily balance, or $6,000 average combined savings and loan balance. Navy Federal also offers a straight forward savings rate, while Hanscom's rate is tiered. Meaning, a depositor has to have over $100,000 to earn Hanscom's highest rate. Balances under $200 earn 0.20% APY. So far, Navy Federal seems to be winning the rate war, but the two even out when it comes to certificate deposits (CDs). They both offer different certificate accounts with different terms and varying account minimums. The biggest drawback we noticed with Navy Federal Credit Union was that their highest earning CD only allows one CD per primary account holder, as well as a $3,000 purchase limit. This puts a cap on the amount a depositor can earn from their savings. *APYs as of May 7, 2024. Check Hanscom or Navy Federal for current rates. Why Choose A Military-Focused Credit Union? Military credit unions understand the unpredictable nature of military life, including frequent relocations and deployments. By banking with a military-focused credit union, members can feel a sense of camaraderie and support from an institution that was designed to understand their lifestyle and financial goals. Post-military life, these institutions may continue to offer flexible solutions (for example VA loans that offer a generous $0 down), however we found that combining military-focused accounts with other account types may makeup for where the military-focused accounts fall short. How Does Membership Between The Two Differ? Both credit unions serve active or retired military (and their families). Navy Federal Credit Union also serves Department of Defense (DoD) civilians. And Hanscom serves federal employees. Hanscom charges a little more ($25) for their membership, while Navy Federal only requires a $5 membership account. According to Canva's AI (artificial intelligence), there are millions of people in the United States that have a direct connection to a veteran or military personnel. This includes the service members themselves, as well as their family members. But if you still aren't eligible to join Hanscom or Navy Federal Credit Union, or feel your specific needs aren't being met -- don't worry! There are tons of banking options to choose from in Boston. We list the top ones here.

Butterfly clips are adorable hair accessories that are super easy to install. Simply squeeze the butterfly wings to open the clip. Find a small section of hair for the clip to hold on to, and let go. There are fine teeth underneath the wings, that keep the tiny clips in place. How To Use Butterfly Clips? You can use butterfly clips as a colorful way to keep hair off the face. You can also use them to decorate different styles like buns, braids, or a curly fro. Do Butterfly Clips Hurt? They shouldn’t. Butterfly clips do not need to sit close to the scalp. This makes them way more comfortable than headbands with teeth or even bobbie pins. Are Butterfly Clips Heavy? No! Butterfly clips are typically made from a thin plastic. This makes them lighter than other accessories like bobbles, beads, or even barrettes. How To Stop Butterfly Clips From Falling Out? Butterfly clips can fall out the hair if they do not have a good grip. If you are putting the clip on a braid, make sure the teeth sink into the braid not just around the braid. If the hair is out, you can slightly twist a section of hair so that the clip has some texture to grip. Are Butterfly Hair Clips Bad For Your Hair? Nope! Butterfly hair clips are one of the gentler hair accessories. They’re lightweight and come on and off with a pinch. The only time butterfly clips create problems is if they get tangled in the hair or are pulled out. You’ll want to take butterfly clips out the same way you put them in — by pinching them. When the hinge opens it releases the hold so that you’re not pulling hair as you take them out. You can also prevent butterfly clips from getting tangled by making sure to not overstuff them. Butterfly clips are intentionally small and often only have a 1” (or less) opening. This means they are designed to hold onto small sections of hair. If stray hairs get caught in the teeth or hinges, just take your time in separating the hairs from the clip. Where Can You Find Butterfly Hair Clips? You may be able to find butterfly clips at your local dollar store or beauty supply store. If you're not finding what you're looking for, you can also try Amazon. They have a large selection of colors and styles. We list some below. Suggested Products Glitter butterfly clips Metallic butterfly clips Butterfly clips with wings that flutter/move

If you never run out of items, you probably won't need it. As a mom with multiple children, we use Subscribe & Save as an organizational tool. It serves as a regular reminder to take stock of what we have in our home. What Is Subscribe & Save? Subscribe & Save is an Amazon service that allows customers to set up recurring deliveries for products they use frequently. Its goal is to save shoppers time and money. What Are the Most Popular Items on Subscribe & Save? Beauty Supplies (i.e. shampoo and conditioner) Groceries (i.e. coconut water and tea) Home Supplies (i.e. laundry detergent, trash bags, and toilet paper) Lawn/Garden (i.e. seeds and fertilizer) Pet Products (i.e. food and bedding) How Much Is Amazon’s Subscribe & Save Discount? Amazon shoppers save 5% or 15% on items. If a shopper adds 5 or more items to an order to the same address, they can unlock the greatest discount. Now that Amazon has added their 365 groceries, it's easier to unlock the maximum discount, because we run out of food more quickly than household items. Meaning, before groceries, it was difficult to have enough in the order to reach the max discount. What Is The Frequency of Subscribe & Save? You can get your deliveries every 2 weeks or up to every 6 months. Below are the different intervals. Can You Overspend With Subscribe & Save? I'm sure you can, but Subscribe & Save is unlike other passive subscriptions where you "set it and forget it." Because physical items are delivered to your home, you'll probably notice when you have too much of something (like toothpaste if you have it regularly delivered). As a customer-centric company, Amazon wants to make sure you are only purchasing what you need/want. Can You Cancel Subscribe & Save At Any Time? Yes! You can cancel at any time. Amazon also sends an email a week before your expected delivery. At that time, you can make changes to your order, delay some items, or cancel your delivery all together before it is shipped. Can You Use Coupons with Subscribe & Save? Sometimes Amazon will offer one-time coupons in addition to the Subscribe & Save discount. They're typically used to incentivize first-time customers. If the service is cancelled before the scheduled delivery, the discount will be cancelled too. How Does Subscribe & Save Benefit Amazon? Subscribe & Save offers Amazon and its sellers, a recurring revenue stream. This means that both Amazon and its sellers can roughly predict product demand and sales. What Are The Downsides of Subscribe & Save? While we strongly believe there are no other companies that can compare to Amazon, we think it's important to share what you may not like about this particular program. First, online shopping is super convenient, leading shoppers to easily spend more. You may be thinking, "you just said shoppers typically don't overspend." However overspending is different from spending more. Overspending implies buying something you do not need. Whereas, spending more simply means, shoppers are able to conveniently get everything they want. For example, if an item is not available in-store shoppers may have to figure out what to do without it. Since Amazon rarely has supply issues, shoppers can stock up. Second, Subscribe & Save orders are not shipped next day (like most Amazon orders). Shoppers really have to plan and keep inventory to make sure they do not run out. For example, if you are low on dish detergent, you can totally order it before your next shipment, but you won't get the same discounts Subscribe & Save offers. It takes time to figure out how much product your family goes through. Amazon displays "most common" next to the option other households choose. Three, food tends to arrive damaged. We've gotten dented cans as well as broken tops and seals. I'm sure the team will get better at shipping food through this service, but for now we think buying through Whole Foods on Amazon is a better option. Fourth, prices fluctuate. Some shoppers argue they can find better prices during Amazon sales. Amazon is known to follow the American holiday schedule. For example, there's a Spring Sale in March, a Mother's Day Sale in May, a Father's Day Sale in June, and so on. If you notice a drastic price drop, you can order the product at its marked down price and push your next delivery to a later date. However, we wanted to double check this theory against our own family's purchases. Since conditioner was one of the first items we bought on Subscribe & Save, we used it for our analysis. The following data only shows the prices at the time of our purchases. Meaning, prices could be lower or higher depending on when items are purchased. We noticed massive price fluctuations on our family's favorite conditioner, but overall prices dropped more than they increased. I remember noticing price spikes, and thinking we could get a better deal at a local Walgreens. After driving to the Walgreens, we noticed the same item was higher at the store than it was online at Amazon. There was also a limited supply in-store. This can create a problem if you like to buy in bulk. Now, I like to say the above graph depicts our family's loyalty to Amazon. Despite the highs and lows, we trust the company to give us the best deal with convenient delivery no matter how the market performs. In the following graph we took a closer look at the year-over-year price. We noticed the lowest price was in 2020 at the height of the global crisis. Amazon being one of the only retailers ready for the emergency could have totally taken advantage of the situation. Instead, they seemed to do the opposite. Amazon customers were rewarded with better deals. More specifically, our Subscribe & Save order was coupled with a "Multibuy Discount." Meaning, when we bought higher quantities in 2020 (6 bottles instead of our typical 3) we got a super low price. According to our records, we ended up spending a whopping $241.51 on conditioner in 2020 compared to only $55.02 in 2022. But this could also be a result of me taking the opportunity to teach our daughter how to do her hair since we were stuck indoors (she used a ton of product in the learning process). While some argue price fluctuations can be bad, we noticed Subscribe and Save followed those trends by consistently offering a better price no matter where the original price was. Finally, we also noticed prices varied if we ordered through Amazon Fresh, Whole Foods, or Amazon’s Subscribe & Save. All of these different shops can easily be accessed through Amazon.com, but each had different terms in the past. For example, Whole Foods used to charge a $9.99 delivery fee on top of purchases. Amazon Fresh also had a purchase minimum, meaning you had to order at least $100 worth of groceries for free delivery. I’m sure results would be different if we chose another product. However, we wanted to demonstrate the long-term impact of Subscribe & Save in our home. After reviewing our purchase history, we still think Subscribe & Save is the best option. How Are Reminders Different From Subscribe & Save? Setting reminders is another feature on Amazon. You can schedule email reminders at different intervals. The main difference is that setting reminders will not automatically order the items and the savings may be less. Is Subscribe & Save Free? Yes! Amazon Subscribe & Save is a free service. Meaning, you are only paying for the products that you are purchasing (plus taxes and probably delivery if you are not a Prime member). What's free is the email reminders and a convenient platform to organize frequently bought items. How Can Non-Prime Members Access Subscribe & Save? Non-Prime members can create an Amazon account and select the items they wish to subscribe to. Subscribe & Save is designed to make shopping more convenient and cost-effective for all customers, regardless of their Prime membership status. How To Find Subscribe & Save Items? Amazon is constantly changing their website and mobile app. We noticed you can access Subscribe & Save many different ways. Below are four options: The Amazon search bar is on the top of the screen in the middle. Click the black triangle and scroll down to Subscribe & Save (the list is in alphabetical order). If you’re using your mobile app click the three lines on the bottom right corner. The Subscribe & Save icon is one of the first icons. If you already have subscriptions, click the center icon on Amazon's mobile app. Your Subscribe & Save items will appear with your next delivery date. On website, click menu icon on upper left corner and scroll down to Subscribe & Save And if you're still having trouble, here is the Subscribe & Save page. It features the most popular subscription items, as well as items under $10. In conclusion, Subscribe & Save is a program that supports the company’s goal of making their customer’s lives easier. As a loyal Amazon customer for over 10 years, we honestly think it's an incredible service that helps buyers get the best deal on a regular basis.

25 Books You'll Love In May You can borrow these books for FREE through the Boston Public Library (BPL) or preview them through our affiliate link on Amazon. A mom gushes over her baby with lines like "yummy tummy" and "tasty little toes." Preview Borrow May A mom helps her daughter describe her dream -- in the greatest detail. Preview Borrow May Preview Borrow May Little Louie is sick and all he wants is mom. But his nose is so stuffed it sounds like he is calling "Bob" (the dog) not "Mom." The author instructs readers to read it as though they have the worst cold ever. Preview Borrow May A Hindu family prepares for the colorful Spring Festival, Holi Hai! Preview Borrow May Sophia learns about Ramadan from her mom and grandmother. Since it's her first time observing the holy month, she tries her best to fast from sun up to sun down. Preview Borrow May A mother and daughter plant tulip, daffodil and hyacinth bulbs in their garden. Together they watch how something small grows into something beautiful. Preview Borrow May Load more More Lists You May Love... June Flowers Back to BookList About BookList We love compiling lists of books that share similar themes. So we created a digital bookshelf, where you can find unique lists like Characters with Fros and Moms with their Sons. If you have a theme you think we should cover, please let us know here -- and we'll try our best! Games Quiz Tips Spot The Difference Can you spot the differences in these bookish scenes? Try It! Love word searches? We created a book-themed one just for you! Play it here!

YES Summer Track + Field 2024 Free Grades 1-8 Photo: YES Kids Boston Instagram Jun 24 - TBD 6:00pm - 7:30pm English High Yearly Looking for a track team in Boston? YES (Youth Enrichment Services) offers FREE cross country and track and field programs. Participants will learn the basics of the sport and be able to participate in local meets. Registration TBD (typically mid May to June) Season Tentative Start June 24, 2024 - TBD | 6:00pm - 7:30pm. Locations Moakley Park, South Boston English High, Jamaica Plain Email info@yeskids.org or call (617) 267-5877 for more information. Source Feedback Books You May Love... The following stories are geared towards younger readers and families who love picture books. Boston Month-By-Month 1 min May in Boston (With Kids) Boston is heating up! 1 min April in Boston (With Kids) ...let the Earth day celebrations begin!! 1 min March in Boston (With Kids) Cherry blossom season is here! More Events You May Love... YES Spring Track + Field 2024 Marathon Daffodil Dash 2024 About FamilyFun We're collecting cool experiences in (and around) the city -- and sharing them with you! Think of us as matchmakers between awesome programming and young families looking to create sweet memories! If you're ever looking for kid-friendly events — we’ll be here!! You can visit our calendar anytime to find tons of free (and close to free) things to do in Boston. While we try our best to update content, information changes faster than we can keep up. For example, events have been cancelled or postponed due to weather and/or other emergencies. We may also unintentionally make a mistake. Please confirm details before heading out with your little one(s). You can do so by clicking on the "source" button below the map above. If you choose to sign up for different events, the organizations will often reach out to you directly. Event images belong to their respective owners and are used under CC BY-SA 3.0. If you know of an event you think our visitors will love, please let us know here. And if we listed your event and you would like it removed, please reach out here. Back to FamilyFun Back to FamilyFun

Trellis Lighting at Christopher Columbus Park 2023 Free Family-Friendly Photo: The Boston Calendar Monday, Nov 20 5:00pm - 6:00pm Christopher Columbus Park Yearly Visit the North End's Winter Wonderland. There will be musical performances, and a visit from Santa and Rudolph! Refreshments will include cookies, hot cocoa, and clam chowder. Consider ride-sharing or public transportation. If you prefer to drive, try Spot Hero, ParkWhiz or another parking app to find the best price. Source Feedback Books You May Love... The following stories are geared towards younger readers and families who love picture books. Boston Month-By-Month 1 min May in Boston (With Kids) Boston is heating up! 1 min April in Boston (With Kids) ...let the Earth day celebrations begin!! 1 min March in Boston (With Kids) Cherry blossom season is here! More Events You May Love... Ship Lighting at Martin's Park 2023 Boston Common Tree Lighting 2023 About FamilyFun We're collecting cool experiences in (and around) the city -- and sharing them with you! Think of us as matchmakers between awesome programming and young families looking to create sweet memories! If you're ever looking for kid-friendly events — we’ll be here!! You can visit our calendar anytime to find tons of free (and close to free) things to do in Boston. While we try our best to update content, information changes faster than we can keep up. For example, events have been cancelled or postponed due to weather and/or other emergencies. We may also unintentionally make a mistake. Please confirm details before heading out with your little one(s). You can do so by clicking on the "source" button below the map above. If you choose to sign up for different events, the organizations will often reach out to you directly. Event images belong to their respective owners and are used under CC BY-SA 3.0. If you know of an event you think our visitors will love, please let us know here. And if we listed your event and you would like it removed, please reach out here. Back to FamilyFun Back to FamilyFun

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