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News that House Democrats may be investigating the cash infusion the Kushner Companies’ 666 Fifth Avenue New York office tower received in summer 2018, is the latest Trump administration headache. The Wall Street Journal and other mainstream media are also pointing the finger at this senior White House official’s indirect connection to foreign money since Kushner has been assisting in Middle East policy on behalf of the U.S. government.

Jared Kushner with Israels Bibi Netanyahu at the Dedication ceremony of the Embassy of the United States in Jerusalem May 2018 US Embassy Jerusalem

Representative Maxine Waters from California, who’s been hot on the trail of President Donald Trump since before his election, is joined by other senior political figures in pushing for yet another investigation. Waters told Axios that she and Elijah Cummings, chair of the House Oversight Committee, had been having private discussions about investigating a deal that debt bailed the Kushner family out of a disastrous 666 Fifth Avenue investment of $1.8 billion back in 2007. Back in August, Brookfield Asset Management said they had taken 99-year lease on 666 Fifth Avenue, the troubled Midtown tower owned by the family of Donald Trump’s son-in-law.

Jared and his father Charles Kushner had already sold 666 Fifth’s most valuable asset — the Fifth Avenue retail space — for upards of $520 million, the proceeds of which went to pay down the staggering debt. The investment was a bad one from the start since only 30% of the building was leased at the time of the sale. Then when the recession hit, new tenants became as scarce as the proverbial hen’s teeth. When longtime tenants began an exodus, the Kushners were really in a pickle.

The deal got on Representative Waters’ radar when it was discovered that Qatar Investment Authority is Brookfield’s second-largest investor. To further exacerbate the situation, it was about the same time that Brookfield finalized the acquisition of Westinghouse Electric, a nuclear power company. Last month the House Oversight Committee released a report alleging members of the Trump administration proposed selling nuclear power plants to Saudi Arabia over the objections of top national security advisors. TIME and other mainstream media covering the investigation opened amid claims by unnamed whistleblowers who said there were “abnormal acts” performed by the White House during the run-up to building nuclear power plants in Saudi Arabia.

Trump senior advisor with regard to developing a Middle East peace plan and economic proposals involving the Saudis is his son-in-law, Jared Kushner. So, the discovery that Qatar is now a major investor in Kushner’s affairs wreaks of bad news for a Trump administration already besieged by

Phil Butler is a former engineer, contractor, and telecommunications professional who is editor of several influential online media outlets including part owner of Pamil Visions with wife Mihaela. Phil began his digital ramblings via several of the world’s most noted tech blogs, at the advent of blogging as a form of journalistic license. Phil is currently top interviewer, and journalist at Realty Biz News.

Latest posts by Phil Butler (see all)

Source: realtybiznews.com

Apache is functioning normally

Outsiders to the real estate industry may assume that the tight market has real estate agents hanging up their hats. In reality, today’s agents are seizing the market and feeling confident. 

Real estate agents are still confident in the industry and the market. Even as the housing market comes down from its COVID-19 pandemic highs, there are houses to be sold and deals to be made. And, AceableAgent — an online real estate agent licensing firm  — recently compiled a survey to answer the question, “Is now a good time to be a real estate agent?” 

The answer is undeniable. Yes!

Agent satisfaction by the numbers

“An impressive 88% of agents surveyed reported being satisfied (or very satisfied) with their careers in real estate,” said the report. 

This satisfaction comes from many sources, flexibility, control, income potential and ease of entry are all cited by agents as the factors that make them enjoy their jobs so much. These factors even outweigh the current lack of listings and longer wait times on commission checks. 

 “[Some] 58% of respondents feel positive about the current real estate market,” said the report. A large part of these feelings could be due to the fact that, per the report, the tight market comes with positive changes too. 

For veteran agents, tight markets often mean the removal of “fair-weathered” agents, those who got in the game during a high and won’t wait out the lows. There are also more opportunities to go to bat for your buyers and be seen as a valuable resource. Or, for those agents who really hit it big during the 2020 and 2021 boom years, now may be the perfect time to slow down business and strategize for the future. 

“In the go-go-go market of the last few years, many agents were simply rushing from one client to the next with little time for strategizing to maximize workflow efficiencies. Now that things are slowing down, you can take a beat to reevaluate business strategies like marketing, branding, and operations,” said the report. 

The housing market by the numbers

According to the latest, national data from Altos Research, the housing market may be approaching a soft landing. So, for those 83% of agents that said the market would improve in the next 6 months, the light at the end of the tunnel may be closer than they think. 

As of mid-July 2022, the average cost of a single-family home in the U.S. was $450,000. According to Altos Research, that data is basically unchanged from 2022. And, inventory is on the rise — slowly. There were 470,000 single-family homes for sale in the U.S. during the same time period. That trend increased by 1% from the week prior. 

“Since January, homebuyers have defied all expectations. Sellers have not materialized and buyers have been buying everything that becomes available,” said Altos Founder, Mike Simonsen. 

There aren’t many listings to go around, but agents have made it clear that they don’t believe these market conditions are here to stay. There is a light at the end of the tunnel. 

So what are agents doing in the meantime to improve their businesses? According to AceableAgent, real estate pros are focusing on networking, digital marketing and client service skills to stay ahead of the competition in today’s market.

Source: housingwire.com

Apache is functioning normally

Whether a mom is working or not, it doesn’t take away the fact that they need to have life insurance.

I’m amazed when I talk to married couples where the husband has ample life insurance coverage on him but they have nothing on the wife. They don’t take into consideration the dramatic financial impact if something were to happen to her, and this isn’t just for working moms too.

Life insurance coverage is one of the best ways of ensuring that loved ones can replace income, pay off debts, and come up with the funds that are needed for costly final expenses – without further disrupting their lives.

Because the unexpected can happen at any time and to anyone, this important coverage is essential to have on all members of a family, not just the high-income earner.

Do Stay-At-Home Moms Need Life Insurance Coverage?

While many insurance agents and financial planners tend to focus on the breadwinner of the family when offering life insurance protection, they often tend to forget just how costly it would be to replace a stay-at-home mom.

A stay-at-home-mom is an extremely valuable part of a family – and in many ways is the center of the home. She takes care of the entire family by cooking, cleaning, running errands, taking the children to and from school, and taking care of the kids when they are sick.

So, what would happen if a stay-at-home mom were no longer there? With all that a stay-at-home mom does for her family, it would cost a great deal to hire somebody to come in and replace each and every one of the duties that she does.

Life Insurance for Working Moms

Moms who are working will also need to be covered with life insurance protection. There can be many different reasons for this. In addition to the many duties that will need to be replaced, there is also likely income that will need to be replaced as well.

In many cases, families that have two income earners are counting on both spouses’ incomes to ensure that the monthly living expenses can be met. Should one of those incomes suddenly disappear, it may require a drastic reduction in lifestyle for the rest of the family.

If, however, a good solid life insurance policy is in place, this can help to replace the income that was lost, allowing the survivors to maintain their current lifestyle. This can be helpful in an already difficult time in their lives.

When discussing working moms, it is also important to add business owner moms into this area. Today, there are numerous women who are starting businesses of their own. In doing so, not only are they creating jobs and bringing in income, but they may also be taking on debt in the process of getting their companies off the ground.

For any mom who is also a business owner, having life insurance coverage is essential. This important protection could step in to pay off debt balances and to keep income flowing for loved ones and survivors.

It could also help in the business area, as well. For example, having life insurance coverage on the business owner mom’s life could allow the business enough liquidity to keep it afloat while a replacement is being sought.

Alternatively, the proceeds from the life insurance policy may also be used for keeping the company going while a suitable buyer is found. In this case, some or all of the policy proceeds could be provided to the business owner mom’s survivors as a portion of the business sale price.

Policies for Single Moms

Single moms should also consider the purchase of life insurance coverage. While nobody likes to think about what would happen if they were no longer here, the truth is that accidents and illness can and do happen – and it is always best to have your survivors be prepared.

Leaving children without a mother is extremely difficult to think about. However, leaving children in financial hardship would be even worse. In the case of single moms, the financial protection that is provided through life insurance could be the sole financial support for your child’s (or children’s) present and future needs.

Types of Life Insurance Available

There are many different types of life insurance that are available in the marketplace today that could be considered for moms who are in need of coverage. Certainly, for those who are seeking purely cheap life insurance, term coverage will typically be the way to go. This is because term life offers just pure death benefit protection, without any cash value or savings build up.

Term policies have often been referred to as the most basic type of life insurance on the market. Because of this, these policies are typically the most affordable in terms of premium – especially if the insured is young and in good health at the time of application. This can be a great way to obtain a large amount of death benefit for a low premium price.

With term life insurance, you can purchase coverage for a certain length of time – or “term.” These are typically 5-years, 10-years, 15-years, 20-years, or 30-years, depending on the age and health of the applicant. In some cases, a 40-year term option may even be available.

If, however, the policy expires after its period has elapsed and the insured still required life insurance coverage, it will be necessary to re-qualify for coverage at the person’s then-current age and health condition. Because the insured will be older at that time, it is likely that the premium on the new life insurance coverage will be quite a bit higher.

A mom may alternatively choose to go with a permanent life insurance policy. Although the premiums on these types of policies are not as cheap as term, they have somewhat more to offer in that they provide both death benefit, as well as cash value build up. Here, the cash within the policy is allowed to grow on a tax-deferred basis. This means that the cash inside the policy is allowed to grow without being taxed until the time it is withdrawn. If the policyholder keeps the cash inside of the policy for a long period, the cash could essentially grow and compound a great deal.

The cash value that is in a permanent life insurance policy may be borrowed or withdrawn by the policyholder for any need that they see fit. And, the cash does not need to be repaid. However, it is important to note that any balance that is not repaid will be charged against the death benefit that is paid out to the policy’s beneficiary at the time of the insured’s death.

The cost of either of these types of policies will depend on a number of different factors. Just some of the premium related criteria will typically include the following:

  • Age
  • Height and Weight
  • Smoking status
  • Overall health history
  • Family health history
  • Marital status
  • Occupation and income

The life insurance underwriters will also review whether the applicant participates in any risky or dangerous hobbies such as skydiving or scuba diving. Likewise, they will also inquire about any regular foreign travel that is participated in, if applicable.

Another question that is typically asked by life insurance underwriters is whether or not any other life insurance is already in place – and if there is, what is the total face amount of the coverage.

How Much Life Insurance Do Moms Need?

Once it is determined that a mom needs life insurance, it is important also to decide how much coverage will be needed. There are many different “rules of thumb” for figuring out the ideal amount of coverage.

One of these rules states that a person should take their income and multiply it by ten. In doing so, there are additional factors to keep in mind. For example, do you also have a mortgage balance that would need to be paid off. What about other debt balances such as auto loans, credit cards, and personal loans?

There are also other criteria to factor in as well such as final expenses. Today, the average cost of a funeral can exceed $10,000 in most areas of the country. When adding together the price of a burial plot, casket, transportation, flowers, the memorial service itself, and other related expenses – it can truly add up. These are funds that will typically be required very quickly – so a life insurance policy is one of the best ways of obtaining them.

Without life insurance, many families must pay final expenses by dipping into savings, selling off other assets, or by using high-interest credit. Unfortunately, this can put many people into deeper financial hardship.

In the case of a stay-at-home mom, additional factors must also be added to the life insurance coverage figure. For example, it should be determined how much it would cost to replace somebody for doing the following duties:

  • Cooking
  • Cleaning
  • Childcare
  • Carpool
  • Shopping

These costs must also be multiplied by the number of years in which they will be performed. In deciding the time frame for the coverage, you will be able to get a good idea of whether the coverage would be better served through a term or a permanent life insurance policy.

It is easy to see how the amount of life insurance for moms can actually come out to be a high figure – which can show just how much more moms do that is so very valuable to us – and difficult to replace.

Although it may be difficult to discuss replacing all the things that a loving mother can provide, not having a plan can essentially be much more dangerous when it comes to the future of your children.

Having a good solid financial plan in place with life insurance coverage can help to ensure that duties will still go on, and that even though difficult emotionally, a drastic financial change in lifestyle will not have to take place.

Tips for Getting the Cheapest Rates

If you know you need coverage, here are some tips on getting cheap life insurance for moms.

1. They already have an advantage

Females having a longer life expectancy will already get cheaper rates. I demonstrated this on another blog post that compared the difference of life insurance prices on males versus females. So getting cheap life insurance for your mom isn’t going to be all that hard because it’s already going to be cheaper than dad anyway.

2. Don’t procrastinate

Even though life insurance is cheaper on women than men, it still goes up over time. So by putting it off, you run the risk of either age or health conditions affecting how much your insurance premium is going to be. If you want to keep the life insurance cheap, do not pass go; get coverage now.

3. Do it before you have kids

As mentioned above, it makes sense to get life insurance coverage when you’re young, but most people don’t think about it until after they have children. Some moms will want to apply for life insurance while they’re pregnant. While typically pregnancy does not affect you getting life insurance coverage, it’s more advisable to apply in the first trimester. Complications can arise during pregnancy, preeclampsia, hypertension, excessive weight gain that could either jack up your insurance rates or prevent you from getting approved.

If you have suffered from any of those conditions during pregnancy, then take some time to get you back to your pre-pregnancy condition. That’s why it’s more advisable to apply for life insurance before pregnancy even becomes an issue.

As you can see, it is possible for moms to get cheap life insurance. It’s all about working with an independent life insurance agent that will guide you through the process.

How and Where to Find Cheap Life Insurance Policies

If you’re looking for life insurance policies for moms, the best place to start is with a company or an agency that has access to more than just one life insurance carrier. By doing so, you will be able to directly compare several different insurers, policies, benefits, and premium quotes in order to determine which one will be the very best for your specific needs, coverage goals, and situation.

When you are ready to begin searching for the right policy, we can help. We work with many of the top life insurance companies in the industry today – and we can help you in obtaining all of the important information that you need for making a well-informed purchase decision. When you’re ready to begin the process, all you have to do is fill out the form on this page and submit it.

We understand that buying life insurance can at times seem somewhat overwhelming. There are many details to keep track of – and you want to be sure that you are purchasing the right type and amount of coverage. Our trained experts will help you to ensure that you are going in the right direction for what is best for you. So, contact us today – we’re here to help.

Source: goodfinancialcents.com

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Yesterday we learned about bonds, which are small slices of debt. Today Michael Fischer defines stocks, or small slices of equity:

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The stock market has its own unique vocabulary, with “puts” and “calls”, “preferred stock” and “P/E ratios”, “dividends” and “spread”. I’ll cover more of these later, but for now here are some basic concepts.

Blue chip stocks are those from the oldest and largest companies, businesses like IBM and AT&T and Coca-Cola. They’re the backbones of the economy. Blue chip stocks are generally safe investments, though the potential returns may be lower. At the other extreme are penny stocks. These represent shares of new companies, or companies on shaky financial footing. Investing in penny stocks is highly speculative, carrying huge risk.

Growth stocks are from youngish companies that are — no surprise — growing rapidly. A value stock is one that investors believe may be trading at prices below market value. Large-cap stocks are from the biggest companies (blue chip stocks are all large-cap, I think). Small-cap stocks are from smaller companies.

Many established stocks pay dividends. As a company earns money, its board of directors will meet from time-to-time to decide what to do with the money. They may decide to return some of these earnings to the owners (the shareholders) in the form of dividends. Some stocks pay large dividends on a regular basis. These are called income stocks.

Tomorrow Michael describes stock market indexes; next week we move on to mutual funds.

Source: getrichslowly.org

Apache is functioning normally

Sound the alarm. Alert the people! Apartment 34 dove head first into the realm of DIY this week!! This is a big deal for a self professed DI-buy girl. I’ve tended to take the “lazy” way out, convinced that my creations could never be as good as anything in a store. But with help from my team, I broke out of my comfort zone and I hate to toot the ol’ horn but…, we DIY’d something that turned out so many different forms of amazing, I can hardly believe it!

I must first start with a little confession: things haven’t been as organized around here as we may have led you to believe. From hopping on a plane every week to juggling meetings and projects, let’s just say it’s a miracle I’ve even remembered to eat. Things have been shoved behind closed bathroom doors, crammed into cabinets and buried at the bottom of closets – anything to hide the growing mess.

The office closet has suffered the most. You may remember seeing it here and here, always with the doors tightly closed!! I decided it was time to practice what I preach and get back to basics with a good ol’ clean out and DIY upgrade. Here’s how it went down:

We began with the purge. Everything was cleared out and laid aside to be sorted. Hours of shredding and trips to Goodwill over the weekend and it’s like a breath of fresh air!. We went so far as to take out the closet shelves in order to give it a fresh coat of white paint, immediately making her look a million times better. However, that was just the beginning. Your closet is actually a great place to have a little fun with design. We wanted to really bring some fun personality by adding pattern so we set out on Pinterest looking for inspiration.

We came across this and loved the bold statement a stripe makes. We just decided to take it a step or two further. We sketched out our plan of doing one big 4” stripe surrounded by asymmetrical smaller ones, one 2” and 1”, on either side for a little riff on a sporty look!

Once we had our supplies in hand: ScotchBlue Painter’s Tape, paint, a handful of brushes and measuring tools, we were set! We wanted a subtle color palette so we chose Chalkboard White as our base and Benjamin Moore’s Sail Cloth as our accent with a little gold craft paint thrown in for a glam touch!

We started by finding the middle of the cabinet and marked off every six inches from top to bottom, setting where our big stripe was going to be. Starting from the top, we followed our marks, taping off the middle section. We found it easiest to just use one big piece of ScotchBlue Painters Tape. Trust your eye, if you see your line going a little crooked, double check your measuring and just lift up the tape and rework it. It’s so easy! Then simply paint inside your ScotchBlue Painter’s Tape column.

When the paint is dry to the touch about 30 mins for a single coat, lift up the tape. You’ll have a perfect stripe!

A key to making asymmetrical patterns work is to make sure you’re working with the same spacing on both sides of the middle stripe for balance. So we taped off our most outward stripe of the pattern and worked our way back in towards the middle.

During the creative process we felt like challenging ourselves even more. DIY is all about improvisation, right? So, we strayed from our original sketch a little. Thinking another gold painted stripe would be too heavy, we called an audible and used gold striped Washi tape instead!

We also decided to paint the face of each shelf to give an often overlooked detail a touch of shine and glam! We used Martha Stewart’s Metallics line in gold and really liked the reflective quality it has.

Et voila! There you have it. The perfect backdrop for a beautiful cabinet, closet, wall, dresser…the possibilities of where this look can work are endless.

Here’s a little sneak peek of the finished office supply closet! We’re so excited how the entire project turned out. You’ll just have to stay tuned for the full reveal – we promise it’s coming soon!!

organizational items from The Container Store, Dwell Studio and Muji

And of course we had to do a little happy dance when we were done!!

This post is a collaboration with ScotchBlue™ Painter’s Tape. To join the creative community, visit www.facebook.com/ScotchBlue. All opinions are my own. Thanks for supporting posts that keep Apartment 34 doors open! 

original photography for apartment 34 by aubrie pick // styling and art direction by erin hiemstra

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Source: apartment34.com

Apache is functioning normally

The stars have aligned for you to read this article.

There’s no denying that the stars above can significantly influence our preferences and styles, especially in the world of decor. Your zodiac sign offers valuable insights into your unique tastes, making it worthy of understanding. Whether you’re a fiery Aries seeking bold hues or a dreamy Pisces leaning towards serene shades, let the stars be your guide to turn your bedroom into an aligned area that helps fulfill your astrological destiny. Start your transformation journey with these bedroom color ideas.

Curating your celestial vibe through color

The history of the zodiac is wide and vast. However, what has remained through its evolution is the integral part it plays in many cultures. It’s viewed as a captivating lens through individuals’ personalities, relationships and destinies based on the stars’ placement on their birthdays.

It’s important to understand that the zodiac signs are connected with four elements: air, fire, water and earth. These elemental associations play a crucial role in shaping the unique traits and overall vibe of each sign, making it easier to associate colors with concepts. We frequently refer to their corresponding element as a key factor influencing their nature. Zodiac signs also have symbols which you’ll see in parathesis next to each sign.

Bedroom color ideas to try, by zodiac sign

Note: Make sure to clear painting your walls with your landlord first before diving into decorating.

Whether you’re a curious beginner or a seasoned astrologer, uncovering your zodiac sign is the first step to gaining insights into your personality. If you’re unaware of your sign, look for your birthday below to determine your zodiac sign and paired bedroom color.

Aries (Ram): March 21–April 19: Scarlet red

As a fire sign, Aries are celebrated for their spark and bold personality. Embracing the principles of color theory, the vibrant hue of scarlet red, which symbolizes motivation and ambition, is perfect for Aries. This color captures the dynamic nature of this sign and is sure to further ignite the preexisting fire of an Aries.

Taurus (Bull): April 20–May 20: Olive green

Nature inspires Taurus, an earth element sign, and brings them comfort. Because of this appreciation for comfort and nature, a calming olive green shade is the perfect addition to their bedroom. This particular hue of green promotes relaxation and harmony, which are the exact emotions Taureans need to feel in their space.

Gemini (Twins): May 21–June 21: Yellow or Millennial pink

The symbol of a Gemini is twins, which makes it fitting to pick a color duo or at least give two options for their representative bedroom. Yellow, a color believed to bring luck to the lively Geminis, perfectly complements their curious and witty nature. The vibrant hues of Millennial pink capture the essence of their vivacious character, making their bedroom come to life.

Cancer (Crab): June 22–July 22: Sky blue

Cancer is a water sign, and sky blue reflects the calming and healing properties of water. This color creates a connection to the natural element of water, enhancing the sense of emotional flow and fluidity in the room. This soothing color also calms and regulates highly emotional and sensitive individuals, such as Cancers.

Leo (Lion): July 23–August 22: Sienna orange

Ever so confident Leos deserve a bedroom color that reflects the boldness they exude. Sienna orange is a bold and attention-grabbing color, just like Leo’s natural ability to be the center of attention. It reflects their confidence and self-assuredness.

Virgo (Virgin): August 23–September 22: Sage green

Virgos are known for their practicality and appreciation for minimalism. Sage green is almost neutral, with its green-gray tones, that create a soothing and understated backdrop, allowing them to focus on other essential elements in the room without overwhelming their senses. Arguably the most organized and meticulous sign, this muted green contributes to a visually clean atmosphere as well.

Libra (Scales): September 23–October 23: Pastel wallpaper

Libras have an eye for beauty and aesthetics, so you have more room to play with Libran bedroom color ideas. Pastel wallpaper offers a wide range of visually pleasing colors, such as soft pinks, blues, greens and lavenders, which appeal to their refined taste. This creates a bedroom space that aligns with their appreciation for elegance and artistic sensibilities.

Source: flooringinc.com

Scorpio (Scorpion): October 24–November 21: Vermillion red

Scorpios are known for their passionate and intense nature. Vermillion red, being a deep and vibrant shade of red, reflects their fiery and powerful personality. Red is an energizing color, and vermillion red could provide Scorpios with an extra boost of energy.

Sagittarius (Archer): November 22–December 21: Indigo

Sagittarians, famously associated with adventure and risk-taking, are known for their explorative nature. This dark shade of purple evokes a sense of mystery and intrigue, creating an environment that encourages their curious spirit. Creating a space that is equally inspiring and calming is important for them.

Capricorn (Goat): December 22–January 19: Cream

A grounded earth sign, Capricorns are notoriously hard workers. Hard work leads to stress, making a calming, clean-looking place for this sign to unwind imperative. Cream is a calming color that promotes relaxation and tranquility, making it the ideal hue for this practical and disciplined sign.

Aquarius (Water Bearer): January 20–February 18: Seafoam green

Contrary to “aqua” being in their name, Aquarius is a sign ruled by air. They’re best known for their imaginative and creative nature with an emphasis on strong mental focus and unapologetic pursuit of whatever quirky hobby catches their attention. Seafoam green pairs well with this sign because it evokes a dreamy and ethereal ambiance, which can inspire and further advance their creative thinking.

Pisces (Fish): February 19–March 20: Very Peri

Pisces, as a water sign, associates with the element of water. Periwinkle’s blue tones align well with this element, symbolizing flow, adaptability and emotional depth. The gentle and nurturing vibe of periwinkle can support their emotions while encouraging relaxation and destressing.

Your celestial chamber awaits

Your bedroom should be a reflection of your true self, a space that resonates with your soul and brings you comfort and joy. The beauty of embracing zodiac signs lies in the opportunity to connect with something greater than oneself and to incorporate elements that make you feel the most like you.

While these bedroom color ideas are great options, individual preferences vary, as zodiac signs cover a wide range of personality traits. Let the stars inspire you to find your most authentic self through apartment decor today!

Wesley is a Charlotte-based writer with a degree in Mass Communication from the University of South Carolina. Her background includes 6 years in non-profit communication and 4 years in editorial writing. She’s passionate about traveling, volunteering, cooking and drinking her morning iced coffee. When she’s not writing, you can find her relaxing with family or exploring Charlotte with her friends.

Source: rent.com