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The 20 Best Neighborhoods in Salt Lake City in 2021
These neighborhoods make this bustling city a great place to live!
The post The 20 Best Neighborhoods in Salt Lake City in 2021 appeared first on Apartment Living Tips – Apartment Tips from ApartmentGuide.com.
Private School vs. Public School – Cost & Comparison
USAA Home Insurance Review
USAA, a home insurance company that caters to military members, veterans and their families, consistently ranks well for customer satisfaction, whether you look at J.D. Power’s scores or our own SimpleScore. On the downside, it does not offer in-person agents. In this USAA home insurance review, we look at what we love about the insurance […]
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15 Super Profitable Handmade Products You Can Sell in 2021 – thewonderforest.com
15 Super Profitable Handmade Products You Can Sell in 2021 thewonderforest.com
7 Tips for a Successful Transition After High School
Graduating high school is an incredible milestone for kids and their parents. The 18 years of preparation are coming to fruition and they're ready to take on the next phase of adult life. (Or so we hope!) Mighty Mommy has been here six times and as her seventh child graduates high school this week, here are eight tips to guide your almost-adult across the finish line:
Tip #1: Time management is a lifelong win
I was born a natural master of scheduling and organizing. Whether it was arranging my stuffed animals neatly, keeping on task with my studies, or managing my hectic lifestyle with eight kids, I thrive on keeping a running "to-do list."
Learning to manage your time is one of the most critical skills for leading a productive life. But it's also one of the most difficult to learn. I assumed that my kids would follow suit with my organizational skillset, but I quickly learned that most of them had no concept of managing their time.
We practiced this skill a lot in our household. We made lists, figured out how much time every task needed, and worked backwards to understand when something needed to start in order to finish on time. It takes practice, but once they hone in on the concept of being in control of their time, they will master the rest of their goals much more quickly.
Check out the episode Time Management Tips for College Students to prepare your high school grad for adult life.
Tip #2: Understanding personal finances is critical
When I was in high school (many moons ago), the emphasis was on algebra, calculus, and geometry. I don't recall one class that focused on personal finance. That has changed a bit now, but if there is one critical skill I'd wish for every high school graduate to take seriously, it's getting a handle on personal finance.
Learning to manage your money means understanding how to keep track of your income and expenses. This includes managing a debit and credit card, setting a budget, saving money, and investing.
Quick and Dirty Tips' financial expert, Laura Adams, has lots of practical advice for all stages of life. Her popular episode, How to Create a Personal Finance System for Money Success, has tangible steps to understand and navigate your finances.
Tip #3: Communication skills are key
Financial know-how is essential, but another winning skill for all high school graduates is the art of communication. Good communication skills include speaking, listening, writing, and non-verbally using body language, eye contact, and even posture.
Effective communication takes practice, but now is the time for your young adult to pay attention to how he/she interacts with others so that this skill can be groomed and perfected. It will be critical for their professional and personal success.
Check out this helpful video, 5 Conversation and Communications Tips (With Exercises), that can help anyone kick their communication skills up a notch or two!
Tip #4: Don't let stuff manage your life
It's easy to get swept away with the novelty of having the latest electronics, smartphones, sports equipment, trendy clothes, and other accessories. But at what cost? In my episode Here's What Happened When I Became a Minimalist Mom, I share the down-to-earth benefits of not letting material possessions rule your life. If your student can grasp this now rather than later, he/she will live a well-intentioned life.
It's easy to get swept away with the novelty of having the latest electronics, smartphones, sports equipment, trendy clothes, and other accessories. But at what cost?
Tip #5: Your health is not optional
I remember how alive and free I felt after graduating high school. I was active, healthy, and full of energy. Because I was young and wasn't sick often, I know I didn't prioritize my health.
I consider myself lucky to have sustained good health with such a carefree attitude, but I remind my eight kids never to take their health for granted. As young adults start venturing into the world independently, they need to recognize the importance of maintaining good health, in both body and mind. Have open and candid health conversations with your kids, including recognizing the risks of substance abuse and sexual health and safety.
For more excellent health and fitness advice, check out the Get-Fit Guy and Nutrition Diva podcasts.
Tip #6: Never stop learning
When we graduate from high school or college, many of us are ready for a learning break. It's normal to want to walk away from textbooks, structured curriculums, and course deadlines, but we all soon realize that life is a learning journey.
Quick and Dirty Tips' workplace expert Rachel Cooke (aka the Modern Mentor), shared some excellent advice on how to stay hungry in the quest to learn more in her episode The 2021 Career Wisdom You Need from Ruth Bader Ginsburg. She shared a great quote from the late Supreme Court Justice in response to a letter from an eight-year-old girl:
"Reading is the key that opens doors to many good things in life. Reading shaped my dreams, and more reading helped me make my dreams come true."
There are endless ways to fill your mind with new information. Listen to podcasts, find topics that interest you on YouTube, explore your local library, visit museums, attend free talks at nearby universities. The only limits are the ones created by you.
Tip #7: Cultivate meaningful relationships
High school is usually a time when kids bond and make some of their best friends. Once graduation happens, however, kids head off to different colleges or paths in life. New friendships will blossom after graduation, along with romantic partners, work relationships, and professional interests.
Those of us who have had lifelong besties are truly blessed. In addition, having a close relationship with siblings, cousins, and other family members is also essential.
Encourage your young adult to nurture quality friendships and special relationships as part of his/her's transition into the world of adulthood. The Mayo Clinic's article, "Friendships: Enrich Your Life and Improve Your Health," explains that solid friendships play a significant role in promoting our overall health and offer suggestions on cultivating these relationships.
Money Talk: Miel Moreland on the Financial Rules She Never Breaks
Money Girl Laura Adams: When did you decide that you wanted to become an author (or other career)?
Miel Moreland: I knew I wanted to write books from a very young age, five or six at the latest. I committed to it in a serious way when I was about sixteen.
MG: Do you write full-time?
MM: I do not write full-time! I have a full-time administrative position at a university. I make more money from that job than from writing—and my job also comes with paid time off, employer-sponsored health insurance, and other benefits. It can be tricky to balance, time-wise, but the stability afforded to me by having a day job means I’m less anxious about my writing, because I’m not counting on writing books quickly in order to be able to pay rent. Since I’m both a slow writer and someone with anxiety, it’s much better to have this pressure taken off.
MG: Did you study writing (or something else) or has it always come naturally to you?
MM: I did not study writing—I was a double English/Politics major in college, but the English program at my school was focused on literature. I only took one creative writing class in college, and that was a mixture of poetry, fiction, and creative non-fiction. Writing comes naturally in the sense that the love for writing comes naturally, but the skill requires significant and ongoing practice, and of course lots of revision. I read a lot (or, at least I thought I read a lot until I realized how much bloggers read!), and I’m always trying to learn from other writers.
MG: When you first started writing (or something else), were there any financial challenges? If so, how did you manage them?
MM: When I first started writing It Goes Like This, I’d just finished my teaching assistant contract in France and was back in the United States, living with my parents while I applied to jobs. Ultimately, during the year in which I wrote, revised, and queried It Goes Like This, I had a constantly changing job situation, while simultaneously applying to grad school: unemployed, working more than full time, working part-time… If I hadn’t been living at home, I wouldn’t have been able to write during periods of unemployment and part-time work—because it would have been urgent for me to work more. Instead, because much of the money I earned that year went into savings for my move to the East Coast, I was able to make the choice to work less and write more at certain times.
MG: What advice would you give someone who's creative or wants to change their lifestyle about balancing passion for their art and earning an income?
MM: Perhaps the first question is to determine if you want to earn money from your art. You don’t have to! In fact, you should consider whether turning your passion into a job could actually decrease your enjoyment of your art. If you decide to pursue financial return from your art, do you want it to be fun, bonus money, or serious money that you will rely on? What kind of time is required to make the quality and quantity of art necessary for your answer? I spend a lot of time on my author job that isn’t purely writing—I’m reading to improve my craft, networking with other authors, and promoting my books.
Before you start a side hustle, you should consider whether turning your passion into a job could actually decrease your enjoyment of your art.
Then you need to be serious about both your current financial needs or commitments and your future goals. How much money would you need from writing in order to make it an integral part of your income? What are you counting as writing: will you also offer editing services, pitch yourself for classroom visits, or write freelance articles in addition to novels? If you stay in a regular full-time or part-time job while writing, what’s the trigger point at which you would consider being a full-time writer? If you try writing full-time, what’s the plan for if it’s not sustainable long-term? You’re not less of a writer just because you have bills to pay and you can’t pay them entirely through book advances.
If you’re balancing art with another job, there are plenty of factors to consider. Some writers thrive on having other jobs related to writing, such as teaching or working in communications. I would be too drained by having a day job that required a lot of creativity. For now, I’ve also deliberately chosen a job with a strict 9-5 schedule. If I were in a job that required a significant amount of overtime, I wouldn’t have time to write. As with everything in life, don’t be afraid to change your mind as your wants or needs evolve over time!
It can be tricky to balance, time-wise, but the stability afforded to me by having a day job means I’m less anxious about my writing.
MG: What do you like to spend money on that some people might consider a splurge or luxury?
MM: Cake from local bakeries to celebrate any book milestone, no matter how minor. And concerts, of course—I promise I didn’t write any tickets off on my taxes as book research.
MG: What’s the best thing you’ve bought in the last few months?
MM: On a practical level, the best thing I bought was a new phone. My previous one was old, physically falling apart, and could not hold a charge. Plus, it was constantly crashing, which was obviously an issue when a significant part of being an author is promoting your books online!
On a fun level, I recently bought a ticket to a live comedy show for the first time. I started watching comedy specials and stand-up during the pandemic, and since live comedy seems to be coming back sooner than live music, this is replacing a concert I might have gone to this year.
I grew up in a household that prioritized experiences over things, and sometimes experiences translate to really nice chocolate cake, and sometimes you just want to be in a big space with other people, all sharing in a particular joy.
MG: What’s the biggest money mistake you’ve ever made?
MM: Not tracking my expenses exactly when I got my first post-college position. I had a basic budget, and I kept a rough sum going in my head, but not knowing the exact numbers was an unnecessary stressor. This was complicated by the fact that my savings were in my American bank and my income—and most of my expenses—were going through my French bank.
It’s especially important to track your money exactly when you’re not charging everything to the same account, or when some portion of your money is only available for certain purchases or in certain locations.
MG: Tell me a financial rule that you never break.
MM: I pay my credit card off completely every month!
Okay, I have broken this rule twice… once when I had to use my American credit card for certain travel expenses but my paychecks were going into my French bank account, and once when a friend was slow to pay me back for a concert ticket. But it’s now been years since I’ve broken this streak.
The 20 Best Neighborhoods in Chicago in 2021
From South Shore to Wicker Park, Chicago is magical.
The post The 20 Best Neighborhoods in Chicago in 2021 appeared first on Apartment Living Tips – Apartment Tips from ApartmentGuide.com.
How to Style a Nursery
Bringing home a new addition to your family is one of the most exciting moments of your life. Savor each and every day with your…
The post How to Style a Nursery first appeared on Century 21®.
Money Talk: Andrew Simonet on Becoming an Artist
Money Girl Laura Adams: When did you decide that you wanted to become an author (or other career)?
Andrew Simonet: I decided to be a choreographer in September 1988, after my first week of dance class at age nineteen. That’s quite old to start dancing, but male dancers get a lot of leeway. It was sudden and complete. Dance was something I had been searching for without knowing it. Dance was my portal.
Writing showed up in my life at age 35. Specifically, a story showed up, an odd bunch of friends who have to protect themselves and their town from a benignly evil corporation. I dictated dialogue into a tape recorder while driving to my dance teaching job. I wrote scenes in spare moments when I traveled. I lost most of it in a computer crash and assumed I would stop, but the characters wouldn’t leave me alone.
I didn’t decide to become an Author; I decided to write. I wanted to dive into sentences and characters and story. For my own mental health, I am very careful about the difference between wanting to write (generative, expansive) and wanting to have written (paralyzing, stressful). The artist life quickly becomes brutal for those who want to have created.
I worked on that first novel for seven years—it has never been published—while running my dance company. The solitude of writing was a reprieve from the social intensity of dance making and collaboration.
I was interested in writing when I was young, but, seen from the present moment, I was not ready. I wrote clever, bloodless things. I had dreadfully linear things to say, restrained and over-rational. I needed twenty years of making dances to bring my body and senses and all the terrible magic of the present moment into my language.
MG: Do you write full-time?
AS: N.B.: Over the past fifteen years, I’ve worked with thousands of artists on these questions: intentions, time and money, making the art and impact that matters to you. That project, Artists U, has an open-source book with principles and tools I gathered from artists. It is how I earn half my income, the other half coming from writing.
I don’t care for the term “full-time writer/artist.” In my experience, most artists spend a similar amount of time actually making their work: between 1/5 and 1/3 of their working hours. Some spend the other hours earning money at an unrelated job; some spend the other hours promoting their art, dealing with agents, clients, galleries, and grants.
When I waited tables to pay the bills as a young choreographer, I was a full-time choreographer: Everything I did with my days was to support my artistic practice. Later, when I made a living from my dance company, I was called a “full-time” choreographer, but I did not have more time in the studio. Rather, my non-rehearsal hours were spent raising money and planning board meetings instead of serving brunch.
MG: Did you study writing (or something else) or has it always come naturally to you?
AS: Very little that I care to do comes naturally to me. Making dances is still the hardest work I’ve ever taken on. I didn’t choose it because it came easily, but because it felt impossible, unimaginable and thus unimaginably exciting.
I studied choreography at university and at an experimental dance school in the Netherlands where we threw our bodies around, and, in one piece, performers threw raw meat at the audience. All of that training in composition is compost in my writing life, and the most delightful kind, since it can’t offer opinions on what to write but rather how a thing is made.
I have not studied writing formally. Growing up, I had great teachers who introduced me to fascinating writers, and I had friends obsessed writing and art and transformation. These days, I listen closely when people talk. I read a lot. I follow other art forms, especially dance and performance. I talk to artists about practice and craft. And I talk with my artist wife constantly about art, about tiny moments of life and pathos, about precisely observed experiences.
MG: When you first started writing (or something else), were there any financial challenges? If so, how did you manage them?
AS: Everyone has financial challenges. Work that capitalism undervalues—art, social work, farming, spiritual practice, activism, community building—has an added challenge: I can’t simply apply for “job of choreographer” and start cashing checks.
If I have a reasonable budget that pays for my life and a reasonable schedule with time for art making, I can make my art.
Time and money are my—I might say the—structural challenges as an artist. There are other challenges to making art, some of them beautiful and spiritual, but the things I see stop artists, myself included, are time and money. The positive way of saying that is: If I have a reasonable budget that pays for my life and a reasonable schedule with time for art making, I can make my art. Forever. I focus on those two numbers: the dollars I need to earn and the hours I need to spend making art each month. There are many, many ways I have gotten to those numbers in the last thirty years, but always by treating it as a math puzzle, not as a question of my value or success.
MG: What advice would you give someone who's creative or wants to change their lifestyle about balancing passion for their art and earning an income?
AS: Definitely make art. It is a powerful addition to life, a form of devotion that feeds the artist and feeds the world.
Set up your life so you can keep creating. Think in decades, not years. Art is a long, gorgeous arc.
Making art and earning money can overlap differently at different times. I have earned 0% of my income from art and 100% from art. Both were great revenue models; both helped me make work that was important to me and to my community.
Being creative and strategic about revenue can help, staying alert to unexpected ways you can generate income.
Being nonjudgmental helps, too. Earning money from my art does not make me a real artist. My commitment to my practice is what makes me a real artist. Period. A dollar earned waiting tables is worth exactly the same as a dollar earned making art.
MG: What productivity tips have helped you achieve success?
AS: Knowing myself. Tips from other artists help me when I am grounded in my practice, my life, and my community. Otherwise, I’m chasing someone else’s work and intentions, and I end up thinking something must be wrong with me because their productivity tips don’t help.
I collect tools and tactics artists use to make their work and lives. Some are directly useful, some are useful by contrast, and all provoke my thinking.
That said, I do collect tools and tactics artists use to make their work and lives. Some are directly useful (the Pomodoro method), some are useful by contrast (I could never work on five projects at a time, but I know artists who thrive that way), and all provoke my thinking.
I often steal not the idea but the thinking behind the idea. An artist told me, “I wake up at 5:00 am and go to the studio before eating breakfast.” That’s not my rhythm. But it made me think about my entry into the day, the connection between waking and creating which, it turns out, has been crucial for my writing.
MG: What do you like to spend money on that some people might consider a splurge or luxury?
AS: Time. I always look for ways to spend more time making art, thinking about art, connecting with community, doing nothing, swimming, traveling. Some of that might look to an outsider like wasted time. My life and my art are not focused around maximizing productivity. There are so many crap myths that artists must sacrifice everything for their art or their success. I find that toxic and extractive, directly opposed to the values I strive to put in my dances and my writing. I see a lot of art and think: That was made by a stressed out artist.
MG: What’s the best thing you’ve bought in the last few months?
AS: I bought a guitar from a guy in Vermont. We stood in his cold barn, I played one chord and knew it was right. To pay for it, I sold a difficult-to-play guitar given me by a former stepfather, a complicated figure in my life. I’d spent years struggling to play and to fix this awkward instrument. It was exactly like my relationship with my ex-stepfather. If you wrote this guitar into a novel, it would be a painfully obvious symbol.
MG: What’s the biggest money mistake you’ve ever made?
AS: Not buying a house in Philadelphia when I was in my twenties, preferably a multi-unit house. I could have lived in one apartment and rented out the others. Best way for artists to build assets.
MG: Tell me a financial rule that you never break.
AS: Only buy used cars, only from individuals, and always get it looked at by a trusted mechanic. No new cars, no dealers, no loans.
Know the difference between depreciating assets (cars, computers) and appreciating assets (real estate, investments.)
I am shocked to see artists struggling to pay their rent while making monthly payments on a car that loses value every day.