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Nobody ever said finding “the one” was easy. It takes some time, a great deal of persistence, and definitely the commitment to make your way through a few bad eggs before finding one with potential.

The same is true for finding your ideal apartment– it really does take the same amount of dedication. However, in the same way that it’s hard to know if you’ve landed a guy or gal you could commit to, it’s also tough to know while apartment searching when you’ve found the place you want to snatch up.

Every place is going to have its advantages and disadvantages. So, to give you a little assistance on your apartment quest, here’s how to know you’ve found the one:

You Like Your Landlord (and Your Lease)

It’s important to enter into a lease confident in your landlord’s expectations and dependability. You don’t want to get stuck with no heat mid-December, only to find out you have a landlord who’s no help at all.

When talking (whether in person or over email or phone) to potential landlords or building managers, pay attention to how they answer your questions or concerns and how quickly they respond. Find someone who you like and feel you can trust.

Also, be sure the terms of your lease are OK. If no utilities are included and the rent is already on the high end of your budget or there are strict lease terms you can’t really agree to, the situation may not be the right fit for you.

It’s Well-Maintained

No renter should have to live in a place that’s constantly in need of repairs, small or large. During your apartment search, observe the overall condition of the building and the apartment, including its floors and walls.

Then, inspect appliances, heating and cooling systems (if applicable), and faucets and fixtures in the kitchen and bathroom to make sure everything is in good working order. Don’t feel bad about taking the time to do this– as they say, it’s better to be safe than sorry.

Your Location is Ideal

You should have done ample research on the best neighborhoods for you before beginning your apartment search. If not, consider whether the locations of the apartments you’re viewing are a good fit for you.

Is the neighborhood safe? Is the commute to school or work reasonable? Is the area easily accessible by public transportation or is there parking nearby? Are all of your everyday necessities in the vicinity (i.e., a grocery store, coffee shop, pet store, etc.)?

The Price is Right

It’s always best to go into apartment hunting with an ideal budget in mind, but you should nail down a maximum price you’re willing to stretch to in case you aren’t finding anything within your optimal price range.

Your apartment may be “the one” if it’s a little over what you’d like to spend but makes up for that with amenities and location. Perhaps, for example, an apartment with a nice workout facility is more expensive, but then you could also cancel your gym membership to offset that added cost.

However, that doesn’t mean you should go over what you can reasonably pay per month.

It Has Your Non-Negotiable Amenities

Personally, I can’t live in an apartment without a dishwasher. In my experience, that will result in a sink constantly full of dirty dishes and an overextended food budget. Why? Because I’d rather buy food than clean my dishes and make meals at home.

Decide what your non-negotiable amenities are before apartment searching. Your ideal apartment should have as many of these as possible.

It’s the Right Fit for Your Furry Friend

Do you have a pet? Or are you considering getting one in the near future? Then the apartment has to be the right fit for your furry friend too. You wouldn’t marry someone your kids (assuming you have them) didn’t like, would you?

In any case, look for a place that has the right setup, amenities and location for your pets, and make sure the added deposits, fees and monthly rent will still keep the place within your budget. If you’re wondering how to know if a place is good for animals, look for other signs of dogs or cats in the building, like an outdoor doggie play area or a jar of treats at the front desk.

Keep in mind that it’s rare to find a “perfect” apartment. Much like finding the man or woman who is “the one” for you (you know, if you believe in that sort of thing), finding the right apartment may mean having to make a few compromises. While you shouldn’t settle for something that truly isn’t a good fit, give yourself a little wiggle room in all of these categories and look for a place that meets your most important criteria.

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So I have a confession to make. All summer I’ve been cheating. I’ve felt a little guilty – a little naughty about it all in fact. But today I’m ready to come clean. You see, back in June, I took a little jaunt down to LA (you may have spied a sneak peek or two on Instagram). I knew very little about what was going to happen while there. I knew I’d be at a production studio. I knew I was going to be interviewed on camera. I knew I had to wear black. But I knew very little else!

After a bit of time hanging in a green room (yes, I felt fancy) and then getting a little hair and makeup touch up, I was walked out onto a stark white set full of…nothing but black pillars. Bright lights in my eyes, I was barely able to make out the crew and the director sitting in front of me. Here’s a few behind the scenes snaps I was able to sneak on set.

And so there I stand, not quite sure what to do when the questions begin – and they were all about my relationship with my laptop! Given that my entire career centers around one, it certainly isn’t trivial. My laptop is basically an extra appendage. I lug it with me virtually everywhere. I’ve been known to sit in my car and return emails if I’m early for a coffee date. I edit blog posts at all times of day and night. I work from the dining room table, the couch, the bed, along with any and every coffee shop, airport – the back of an Uber. You name it, I’ve done it.

As the questions concluded, I was asked to open one of those black pillars that surrounded me and I was surprised to discover a hidden secret..a seriously hot looking laptop. Called the HP Spectre, this is a sleek, thin, light, did I mention light laptop. I was immediately smitten and not just because it matched my outfit!

Amazingly, once my time on set was done, I was sent home with said stunning, light laptop. Upon returning home, I set my old computer aside to give The HP Spectre a try. It certainly is fun to look at. The HP Spectre combines a sleek black body with a touch of copper around the exterior edge. The keyboard even lights up with a coppery-glow. Point being, it looks dang good. But I was pleased to discover the laptop also functions exceptionally well. The high definition screen is bright and clear. Everything loads super fast. And perhaps most importantly, the laptop is super thin and crazy light – only 2.45 pounds, so I can finally be out and about without breaking my back! Game changer. Sorry old laptop. (For even more of the technical detail you can check out all the technical specs right here. I tend to focus more on the pretty).

Turns out, I wasn’t the only one with laptop woes. HP had quite a few other fabulous peeps come on set that day to talk about their love/hate relationships with their laptops. I’m glad to hear I’m not the only one who so intensely relies on their computer for survival. Having a light, bright, beautiful laptop definitely makes my work life a lot happier.

But it’s pretty funny to see what others think about their computers. You can watch the entire video (with a few cameos of me) below. *blush* And I’ll have more about my experience with my HP Spectre to share with you very soon!

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This post is a sponsored partnership with HP Spectre. All opinions are my own. Thanks for supporting partnerships that I’m excited about and that have kept Apartment 34’s doors open.

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Source: apartment34.com

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I’ve been thinking lately about the value of a college education. I earned a B.A. in Psychology from Willamette University in 1991 (with a minor in English Lit, and almost another minor in Speech Com). What have I done with this degree? Almost nothing. Yet I do not regret the money and years I spent working to earn it.

The Financial Value of a College Degree

Does earning a college degree make a difference to your future? Absolutely. The facts are striking. On average, those who have a college degree earn almost twice as much as those who do not. According to the U.S. Census Bureau:

Adults with advanced degrees earn four times more than those with less than a high school diploma. Workers 18 and older with a master’s, professional or doctoral degree earned an average of $82,320 in 2006, while those with less than a high school diploma earned $20,873.

Workers with a bachelor’s degree earned an average of $56,788 in 2006; those with a high school diploma earned $31,071. This flurry of numbers makes more sense when viewed in a table:

Education Avg. Income Increase
Drop-out $20,873 —
High school $31,071 48.9%
College $56,788 82.8%
Advanced $82,320 45.0%

Completing college is huge. Over a life-time, a college degree is generally worth almost a million dollars. That’s money that can be used for saving, for fun, for whatever. The financial benefits of a college education are significant, and they’re very real.

Other Benefits of a College Degree

Obtaining a college degree isn’t just about making more money. According to Katharine Hansen at Quintessential Careers, a college education is associated with other benefits, such as:

  • Longer life-spans
  • Greater economic stability and security
  • More prestigious employment and greater job satisfaction
  • Less dependency on government assistance
  • Greater participation in leisure and artistic activities
  • Greater community service and leadership
  • More self-confidence

A college education also gives you a broad base of knowledge on which to build. It teaches you to solve more of life’s problems. It gives you future reference points for discussing art, entertainment, politics, and history.

College offers other learning opportunities, too. Much of what I gained in college came from learning outside the classroom, from participating in clubs and other campus organizations. Many degree programs allow students to “test-drive” careers through internships and practicums.

The Label on Your Degree Does NOT Matter

I asked Michael Hampton, director of career development at Western Oregon University, what advice he would offer a student who is deciding whether or not to attend college. He replied:

Unless you are going to be an engineer, architect, teacher, lawyer, the label on your degree does not matter. The degree is a check-mark (as opposed to the focus) in most job requirements. Many job ads will state: “Business, Communications or other degree required.” Most folks have the “other”.

I have a BA in Speech, Telecommunications & Film. As a television news photographer, youth director, communications director, substitute school teacher, sports marketing manager, career programs coordinator, no one ever said to me: “You know what? We would like to hire you, but we’re not sure what that label is on your degree.”

Honestly, at the University of Oregon, I was looking for an “easy” degree because I was not a book-smart student. I was able to take mostly film & television classes to earn my BA, so I signed up. The experiences I took advantage of (internships, volunteering, and part-time jobs) in college set me up to be marketable to employers. Again, the jobs I went after required degrees, but the label on the degree was not a barrier.

Here are some more prominent examples:

  • What was Alan Greenspan‘s major? Econ, but he studied music first
  • What was Michael Jordan‘s major? Math, then Geography (dropped out to play professional basketball, later returned to earn his degree)
  • What was Lisa Kudrow‘s major? Biology
  • What was Cindy Crawford‘s major? Chemical Engineering (dropped out for modeling career)
  • What was Ted Turner‘s major? Classics (expelled for hanky-panky)
  • What was former HP CEO Carly Fiorina‘s major? Philosophy
  • What was George W. Bush‘s major? History
  • What was Jay Leno‘s major? Philosophy

If a student is struggling to get good grades, I encourage them to look at the course catalog and choose a major based on the likability of most of the classes they would have to take, their positive experiences with the professors in the major, and the number of credits they have already taken that are compatible. They should set themselves up to be successful. Getting through the pre-reqs is a major barrier for some. Combine some “fun” classes with the challenging required courses to try and make the experience more enjoyable.

Against the Grain

But what if, instead of paying for your child’s education, you provided this lump sum to them in a one-year certificate of deposit, earning the current highest return available (2.24% as of the writing of this article, according to Bankrate.com)? Now the child’s salary would be greatly reduced; the lifetime earning potential would only be $4.2 million assuming the same circumstances as before.

However, assuming that in both scenarios the child in question was able to save 5% of their annual income (assumed to be a lump-sum deposit at the beginning of the year to keep calculations simple), the child with the high school education will have accumulated $646,532 in the one-year CDs by the time they’ve reached retirement age. The child with the college degree would only accumulate $438.132, a difference of $208,400.

Perhaps it could be argued that the child with the college degree could live with the same expense basis as the one with the high school education, thereby freeing up more money for saving and investing. However, I would encourage a recognition of Parkinson’s Second Law, which tells us that “expenses rise to meet income”.

Rich or poor, thrifty or not, the current savings rate as of the end of May for Americans was only 6.9%. For much of the recent past it’s been lower than that, even to the point of occasionally becoming negative. For as many responsible people who are reading these words, there are many more who would be swept along by circumstances and society, spending exactly what they make (or more), year after year.

Public vs. Private

What if one were to assume a lower university bill? Perhaps a private school isn’t in the cards for these two kids (and their parents), but a public four-year institution could be.

The current median cost of four years at a public university for the 2009-2010 school year is only $29,021. At that rate, assuming the same parameters as before (rate of salary increase and inflation, etc.), the college grad does come out ahead, but only by $26,090 at age 65. Certainly, that’s a much smaller margin than I would have assumed, and I would guess it surprises many of you, as well.

In fact, for the lifetime earnings calculation to balance (that is, for both the high school and college grad to show the same dollar figure in savings at retirement age), the high school graduate would only need a “head start” fund of $38,030! Just think, for less than the price of a new SUV, four years of college-educated earning power can be rendered moot. This result, frankly, surprised the heck out of me.

Other scenarios could be run, as well. What if you’re not able to provide any funds at all for your son or daughter? My folks didn’t pay for any of my college expenses; I expect many of you are/were in that same boat. One could look at the opportunity cost of college loan repayment vs. a clean slate for a high school grad with no debt encumbrance.

For a graduate of an average private university, repaying a college loan bill of $114,626 at 6% interest (remember, student loan interest is capitalized while the student is in school) will take 10 years and $152,710. That’s assuming they’re able to make the monthly loan payments of $1,273 right out of college, and don’t have to go with a longer-term repayment plan. After this is done, the college grad will only amass $37,272 more in savings than the high school grad, simply due to the long repayment period they must overcome.

Be Cool — Stay in School

While a college education statistically provides a better shot at obtaining wealth, it does not guarantee success. There are English majors who end up with convenience store careers. There are high school drop-outs who go on to run multi-million dollar corporations. But obtaining a college education improves your odds.

For some young adults, college can seem like a waste of time. (Or worse, a waste of money.) Other things seem more important. I had friends who dropped out of school to pursue girlfriends across the country. I had friends who were convinced they could make more money by skipping college altogether. Student loans can be so enormous that they make a person lose sight of the fact that they’re an almost guaranteed investment in the future.

I personally had problems finding a career path — I simply had no idea what I wanted to do. When I went entered college, I wanted to be a religion major. Then I wanted to be a writer. Then I wanted to be a grade school teacher. Ultimately I earned a psychology degree, which has had little direct benefit to my life. But the education I obtained, my campus experience, and the contacts I made have been invaluable. A large part of who I am today was forged by my experiences in college. The value of a college isn’t just in the destination, but in the journey.

Resources

In preparing this article, I relied heavily on the following sources:

How many of you attended college? Are you glad you did? If you didn’t get a degree, do you regret it? If you could talk to your 18-year-old self, what would you tell her? If I had a chance, I’d tell the young J.D.: “Set goals. Study more. Find a direction for life!”

Update: As usual, there are some great comments. Many have noted that education does not cause all these wonderful things — it’s simply correlated with them. (It may be that people who obtain an education would live longer even without one.) Also — and this is key — more important than education is doing what you love. Passion and drive can bring success, no matter what level of schooling you have.

Source: getrichslowly.org

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Credit Card Debt Relief: 6 Strategies – MintLife Blog

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$1 trillion in credit card debt, there must be a sustainable option to lessen the stress of carrying large debts month over month, year over year. Credit card debt relief is a way to not only get out of seemingly endless debt but also to perhaps bring about a little bit of mental—and ultimately, financial—peace.

Rather than just assuming you can entirely write your debt off with little impact otherwise, it’s important to know the various credit card debt relief options that are available and the different impacts each approach will have on your credit and financial health over the long term.

Keep reading to learn six credit card debt relief strategies, or use the links below to navigate the article.

How to Pursue Credit Card Debt Relief

Seeking credit card debt relief can be an ideal option for those experiencing hardship from life’s unexpected happenings, whether that’s medical bills, a sudden loss of income, or debt that has become excessively difficult to manage. Before deciding on a course of action, it’s important to know the differences between each approach.

Here are six strategies to consider for credit card debt relief:

1. Do-It-Yourself

Credit card debt relief may be able to be reached through a resolute commitment to aggressively paying down debts as quickly as possible. Do-it-yourself options to credit card debt relief require discipline and may not offer the degree of immediate debt relief desired.

If you have a particularly good credit score, you may be able to negotiate a lower interest rate on your cards through individual credit card companies to lessen the burden of debt.

While you’re not necessarily entitled to a lower interest rate, explaining your hardship and mentioning the length of time you’ve been with the credit card company could help secure a better deal, making debt repayment more manageable.

You might also consider taking a new approach to paying down debt by:

  1. The debt snowball approach — paying off the credit card with the smallest interest rate first while making minimum payments on other debts.
  2. The debt avalanche method, which allows for accelerated debt repayment as you put extra money towards the debt with the highest interest rate, while paying the minimum on all other outstanding debts.

The snowball method costs more but can boost confidence in being able to fully tackle paying off one card before moving onto the next.

2. Consolidation

Consolidating debt means combining all outstanding debts you owe to different lenders into a new loan.

Credit card consolidation, while not a method that outright eliminates debt, can be a strategy to help you pay down debt faster. With this option, you’ll only be making one payment a month instead of several— potentially making it easier to keep track of what you owe.

By taking out a low-interest rate loan through a lending institution, you may be able to pay off the majority, if not all, of your high-interest credit card debt.

Another option for consolidation is to do a balance transfer from a high-interest credit card to a credit card with a lower or no interest rate to lessen the burden of interest charges. It’s important to note that this option may come with a fee and doesn’t simply get rid of debt, but it could make the credit card debt relatively easier to pay down.

3. Credit Counseling

Seeking credit counseling, which is usually a free service provided through nonprofit organizations and independent financial agencies, may help lead you in the right direction to achieve credit card debt relief.

  • How it works

Trained counselors can guide you through repayment planning by reviewing your budget, analyzing your debt, and offering recommendations to help find a sustainable debt relief solution.

Counselors simply offer suggestions, making the service free unless you opt to use their help in pursuing a course of action, such as enrolling in a debt management program.

4. Debt Management Program

If you decide to sign up for a debt management program (DMP) through a credit counseling agency, you’ll make a single monthly payment to the agency, and the agency will in turn pay your creditors. With this option, you’ll likely be able to pay off your debts within three to five years, as outlined in your specific debt management plan.

  • Considerations

By enrolling in a debt management plan, you won’t be able to obtain new credit until your debts are paid off. In fact, the credit counseling agency will close your active credit accounts while you complete the plan.

Closing your credit card accounts could negatively impact your credit score in the short-term, but by making regular monthly payments (that you can actually afford), debt management programs may help you find credit card debt relief over time.

5. Debt Settlement

Debt settlement means negotiating with your creditors to pay less on your debt than the amount you actually owe. This agreement is typically arranged by a third party—a debt settlement company—that acts as an intermediary between you and your credit card companies.

  • How it works

In this scenario, you cease making payments directly to the credit card companies and instead pay the debt settlement company, which in turn offers a lump sum payment to appease the creditors.

  • Considerations

This avenue is typically a poor choice for credit card debt relief because as you stop making payments to your creditors, your credit score will not only deteriorate, but credit card companies can also come after you with penalty fees and even legal action for failing to make payments. There could also be tax implications if a large amount of debt is forgiven, because the IRS may consider cancelled or forgiven debt as taxable income.

6. Bankruptcy

Bankruptcy should be reserved as a last resort in extreme cases of credit card debt hardship, as it has serious implications on your credit score.

  • The two most common types of bankruptcy are:
  1. Chapter 7 which forgives your debts on the condition that you liquidate some of your assets to pay creditors.
  2. Chapter 13 in which you enter into a court-arranged debt repayment plan that lasts three to five years, after which your debts are dismissed.

Chapter 7 bankruptcy is the only true way to avoid paying your debts, as it essentially wipes out outstanding debt entirely and offers a clean slate. Creditors still receive some means of repayment, whether in assets or through the repayment plan, and bankruptcy can offer a way out of otherwise inescapable debt.

Effects of Credit Debt Relief on Your Credit

Depending on which approach you pursue to achieve credit card debt relief, effects on your credit could range from nonexistent to severe damage. Since credit utilization (the amount of outstanding balances you have compared to your credit limit) makes up 30 percent of your credit score, carrying high credit card debt month after month is likely to have a damaging effect on your score.

The self-managed approach to reducing debt may not necessarily hurt your credit, so long as you continue to make regular payments. Credit card consolidation may help you tackle debt faster, possibly leading to a better score in the long run. Credit counseling won’t have a direct impact on your credit unless you decide to act on the advice given, such as signing up for a debt management plan. Depending on the parameters of the specific debt management program you sign up for, DMPs could have either a positive or negative effect on your credit.

On the more extreme end, opting for debt settlement through a third-party has the potential to hurt your credit when you stop making regular payments to credit card companies. Similarly, filing for bankruptcy could critically weaken your creditworthiness and should only be a last resort option, as a Chapter 7 filing stays on your credit report for ten years, while a Chapter 13 will remain for seven years.

The Bottom Line

The best approach to credit card debt relief depends entirely on the individual level of hardship you have in paying back credit card debts. It’s essential to consider the different options to reducing the strain of credit card debt that will work for your lifestyle. Whether you opt to take the do-it-yourself route or find yourself filing for bankruptcy, taking a committed approach to minimizing your debt could lend itself to better financial health in the long run.

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It’s that time of year again. The joyous, magical time of giving and receiving!

What do I want for Christmas?

This is a question that you may find yourself asking this time of year.

It can be hard to ask someone what they would like as it feels kind of weird and embarrassing! Even worse, is actually telling someone exactly what you want.

Many times people are so caught up in their own lives, with work and school, and other things going on, that they don’t know what the best gift to give each other might be! The last thing anyone needs is more stress (or anxiety) around the holidays.

So, I have compiled a list of some ideas for what you might like as a gift this Christmas!

To kickstart this list, I asked around to my besties – both women and men what they really want for Christmas. This list is from real people!

Guaranteed you will find the perfect gift for that someone special on your list!

things I want for christmas

I hope this holiday gift guide helps give you some ideas for what to ask for this year!

Deep down, I want big things like travel, quiet time, health, and hanging out with my family. But, my family always wants ideas.

Regardless, if you have a big Christmas list or small one, here are great ideas for you.

What do I want on my Christmas list?

When it comes to Christmas lists, it can be tough to figure out what you actually want.

After all, there are so many things to choose from! But don’t worry, we’re here to help.

Consider the five-gift rule:

  • Something I Want
  • Something I Need
  • Something to Wear
  • Something to Read
  • Something to Do

Some great gift ideas for Christmas include clothes, books, movies, gift cards, and experiences like a trip or a concert. But remember: these are just suggestions! You should put whatever you want on your list–after all, it’s your Christmas present!

What Do I Want for Christmas?

Hey everyone, it’s that time of year again when we all start to think about what we want for Christmas.

Personally, I’ve been doing a lot of online shopping and have compiled a list of items that I would love to see under the tree on December 25th.

If you’re like me and still haven’t decided on what you want, don’t worry! I’ve got you covered with this ultimate holiday gift guide.

1. Headphones / AirPods

First up are headphones. There are a ton of different options when it comes to headphones, but I love my Apple AirPods I received a few years ago.

The price tags on most of their devices seem steep at first, but you can find some great entry-level ones that offer great quality.

I highly recommend quality headphones for your Christmas wish list.

2. Money

Money is a popular gift option because it offers a lot of flexibility. You can use it to buy anything you want, and it’s always appreciated. Some people find it difficult to ask for money or receive it as a gift, but with the right attitude, it can be a great way to show your loved ones that you care.

One way to give money as a gift is in a brainteaser box. This fun idea turns giving money into a game, and your friends and family will love trying to figure out how to open it.

However, before you can enjoy the benefits of being on the giving or receiving end of money, you need to have realistic expectations.

Money doesn’t buy happiness, and expecting too much from your loved ones can lead to disappointment.

If you’re feeling brave, why not ask for money this Christmas? It’s always better than expecting something expensive from your loved ones. Here are great money gift ideas.

3. Digital Photo Album

One of the favorite features on my phone is when random picture memories pop up! It makes my heart sing!

If you want a unique gift that will always have these happy photo moments, consider a digital photo album.

This is a great way to store and organize all of your photos in one place, and it’s also easy to share with friends and family.

There are many different options when it comes to digital photo albums, so you can find one that fits your needs. For example, if they like to travel a lot, you might want to choose an album that includes GPS tracking so they can always know where their photos were taken. Or if they’re into scrapbooking, find an album that allows them to add text and other elements to their photos.

Whatever option you choose, make sure the digital photo album is easy for your loved ones to use. The last thing you want is for them to be frustrated with trying to navigate through all of their photos!

4. Shiatsu Massage Chair Pad With Heat Function

If you’re looking for a massage chair pad that will help alleviate muscle soreness, easy neck stiffness, and eliminate fatigue, the Shiatsu Massage Chair Pad With Heat Function is an excellent choice. This product comes with a rolling and spot massage, providing a comfortable, soothing feel to muscles. Plus, it’s an excellent alternative to a full-body massage chair if space and cost are constraints.

The Shiatsu Massage Chair Pad With Heat Function is made with a washable and reusable fabric. It also has anti-slip feet on the bottom to stay in place. The heat function can be turned off if desired, or there’s a timer that will automatically shut it off after 10 minutes of use. You can buy this product on Amazon and way cheaper than a full massage chair.

5. Indoor Smart Herb Garden

If you’re looking for a unique and special gift for the gardener in your life, look no further than an AeroGarden In-Home Garden System. This garden kit takes care of itself and can be placed anywhere in the house–no green thumb required!

The Smart Herb Garden is a great way to get started with gardening, and it’s also perfect for anyone who wants to add scent and beauty to their home or apartment.

You can purchase additional seed pod kits as well.

6. LiLash Purified Eyelash Serum

If you’re looking for the best beauty splurge, look no further than LiLash Purified Eyelash Serum.

Their eyelash serums are made with natural vitamins and minerals to give you noticeable results in just 6 weeks, and full results in 12 weeks!

LiLash is a purified eyelash serum that is vegan, gluten-free, non-toxic, and cruelty-free. It has over a million users and a 90-day satisfaction guarantee. They’re also easy-to-use and fit right into your daily routine.

I want to splurge on this eyelash serum to lengthen and thicken my lashes!!

7. Shower Bluetooth Speaker

Do you hate having to stop your music or podcast when you go in the shower? If so, I have the perfect solution for you!

A shower speaker is a small, water-resistant speaker that can be used in the shower, by the pool, or anywhere else near water. They are often Bluetooth-enabled so that they can be connected to a phone or other device for streaming music.

The Oontz shower speaker is waterproof, shockproof, and dustproof. That means you can take it with you wherever you go without having to worry about it getting wet or damaged.

The battery lasts forever on a single charge, so you can use it all day long if you need to. And if that’s not enough, there are a lot of popular Bluetooth speakers on the market, but this is the one I personally have. So no matter what kind of music or podcast lover you are, there’s sure to be a speaker that’s perfect for you.

So check them out today and get ready to rock out in the shower!

8. Everyday Hammock Chair

If you’re looking for the perfect gift for the person who wants to slip away and relax, look no further than a hammock! This high-quality hammock chair is made of oak wood and is personalized with the user’s name on it. It’s also a great gift for any occasion!

While many think hammocks are for camping or for hikers to relax after a long day of trekking through the wilderness, they are perfect for ANYONE who needs an escape to quiet. And what could be better than getting to relax in your very own personalized hammock?

Hammocks make a great gift for any occasion, but it’s especially perfect for Christmas.

9. Breville, the Barista Express, Espresso Machine & Specialty Coffee at Home

The Breville Barista Express is a high-quality espresso machine that is perfect for the at-home coffee lover.

The machine is compact and easy to use, making it a one-stop shop for quality espresso.

The Barista Express also delivers fresh, quality espresso in under a minute, so you can get your caffeine fix quickly. Getting authentic café style results in no time at all.

10. Instant Pot Duo Crisp Large 11-in-1 Air Fryer & Electric Pressure Cooker Combo

Instant Pot has come out with a new product that is sure to be a hit every holiday season. The Duo Crisp Large 11-in-1 Air Fryer & Electric Pressure Cooker Combo.

This is something I always wanted, but never wanted to research which one is best. So, my mom bought this one for me. I absolutely love it! And we use it multiple times per week.

This product is a pressure cooker and air fryer combo with 2 convenient removable lids. This means that you can air fry your food in one multi-cooker and easily transition between pressure cooking and slow cooking.

11. Himalayan Rock Salt Lamp

Salt lamps have been popular in western nations for a while now, and for good reason. They offer a number of benefits to those who have them in their home. improved energy, better sleep quality, and purified air are just a few of the advantages you can enjoy from having a Himalayan Rock Salt Lamp.

People who have salt lamps often report multiple benefits from having them in their homes. Some people find that they help improve their moods, while others appreciate the added beauty that the circular design brings to their décor. And unlike traditional lamps, these Himalayan salt lamps are flicker-free, meaning you can read or relax near them without being disturbed by any light flickering.

We have a Himalayan Rock Salt Lamp in each of our bedrooms.

If you’re looking for a unique and beneficial gift this holiday season, consider gifting someone a Himalayan Rock Salt Lamp.

12. Spa Gift Set For Women

When it comes to finding the perfect gift for a woman, sometimes it can be tough to think outside the box. But don’t worry, we’ve got you covered! This year, consider a spa gift set. Women love to relax and pamper themselves, and what better way to do that than with a luxurious set of spa products?

Hint…hint… a spa gift set is always a great option!

No matter what type of woman you’re shopping for, there’s sure to be a spa gift set that’s perfect for her. Whether she loves spending time at the spa or just enjoys pampering herself at home, she’ll love these luxurious gifts.

So if you’re stuck for ideas this Christmas, why not go with something she’ll really appreciate – time to relax and be pampered?

13. Stress Reliever Ball

Do you find yourself feeling stressed out often? If so, we have the perfect solution for you!

This Serenilite Stress Reliever Ball is perfect for relieving some tension during the workday. It’s a fun addition to your desk or party, with the goal of bringing relaxation into your life when you need it most.

Each ball is made with three densities – soft, medium, and hard. Perfect for strengthening your grip, joints, and muscles.

14. Gemstone Birthstone Necklace

Photo Courtesy of Jill Makes

This necklace is a beautiful piece that would make the perfect gift for any occasion. It comes with one pendant and is made of high-quality materials. The pendant measures approximately 13 millimeters in height and is sure to impress.

This minimalist-style gemstone birthstone necklace is perfect for anyone who wants a unique and personalized piece of jewelry. The pendants are engraved and sealed with the month of your choice, making it a special and one-of-a-kind gift.

Who doesn’t want a personalized item for Christmas?!?!

15. Deep Tissue Muscle Treatment Portable Handheld Massage Gun

This handheld massage gun is perfect for those who need deep tissue muscle treatment. It comes with several adjustable speeds to help tense muscles, relieve pain, and increase blood flow. The Shiatsu massage is an added bonus that helps make this gun a great choice for anyone looking for relief from muscle pain.

This device is a great option for those who are on a budget or live in small spaces. The rolling and spot massage work on the back, but this device can be used anywhere on the body.

16. Traeger Wood Pellet Grill

A Traeger wood pellet grill is a great gift for the holidays because the user can control it from anywhere with WiFi and Alexa technology. The grill also has a built-in meat probe, so the user can cook to perfection every time.

They are known for their 6-in 1 versatility, which allows you to use it as a grill, a smoker, a bake oven, a roast oven, a braise pot, and even a BBQ pit.

Traeger is the original creator of the wood-pellet grill. Who says mama can’t smoke meat too?

17. Fitbit Versa 2

The Fitbit Versa 2 is the latest and greatest addition to the Fitbit family.

This smartwatch has all the features you need to help you stay on track. You can create alarms, set reminders, check the weather or start an exercise with Alexa. Plus, it comes in a variety of colors to fit your style.

This smartwatch has an always-on display mode and Fitbit Pay, so you can easily check your pace and distance during a run or pay for something without having to take your wallet out. It also has built-in GPS, so you can track your progress on runs or hikes. Plus, the battery life varies with use, so it’s perfect for people who want a watch that does it all.

So overall, the Fitbit Versa 2 is exactly what you want for Christmas!

18. Robot Vacuum Cleaner

If you’re looking for an easy way to keep your floors clean, a robot vacuum cleaner may be the perfect solution. It was for me!!

Robot vacuums are automatic vacuum cleaners that do not need cleaning themselves and can be charged automatically. They come in a variety of shapes and sizes, with multiple cleaning modes and auto-clean scheduling.

Some of the more popular brands include iRobot, eufy, and Shark. While there are many robot vacuums on the market, each has its own unique features that set it apart from the competition. For example, some models are designed for pet owners or have special attachments for dealing with tougher messes.

When shopping for a robot vacuum cleaner, it’s important to consider your specific needs and budget. Many models are available online, so be sure to do your research before making a purchase. Less time cleaning is a win for you!

19. Kindle Paperwhite

If you’re looking for an e-reader this holiday season, the Kindle Paperwhite is a great option.

It’s easy to hold and use, and you can read in the sunlight without any screen glare. The Kindle Paperwhite also comes in a size similar to a regular novel, which makes it more comfortable than an ordinary book for readers of all ages. Plus, the Kindle e-Reader can hold thousands of books, and the battery lasts for weeks. And with the Kindle Unlimited, users can read as many books as they like from the store.

The Kindle Paperwhite is a popular option for those looking for an e-reader, and it’s great sale price — less than other options on the market. So if you’re looking for a great gift that your loved ones will actually use, be sure to consider the Kindle Paperwhite!

20. Memory Jars

Photo Courtesy of Meraki Designs by Lisa

Memory jars are a great way to capture memories and moments from your life. They can be filled with photos, tickets, mementos, or any other item that holds sentimental value to you. You can create a memory jar for any occasion-a birthday, graduation, wedding, or just because.

To make a memory jar, start by gathering your supplies. You’ll need a jar (or container) of some sort, Mod Podge or another sealant, paintbrush(es), photos or other items to decorate the jar with and scissors. Once you have your supplies ready, it’s time to start creating! Or you can buy straight from Etsy!

Just be sure to include the year so you can look back on your memories later!

21. Desktop Stand for Printer

This desktop stand is perfect for your printer and a great way to save space in your office!

The stand is stable and sturdy, making it perfect for stacking printers, fax machines, scanners, and other office equipment. The height-adjustable skid pads protect your table and floor from scratches or scuffs, making it easy to clean.

Pretty solution for your cluttered desk!

22. Outdoor String Lights

Outdoor string lights are a must for the holidays. They add a touch of festivity and cheer to any setting. I highly recommend these weatherproof string lights. They are beautiful, durable, and long-lasting.

This is more of the ambiance you have wanted on your patio, right? Each set is 25 ft, 50 ft or 100 ft in length.

Perfect to decorate your outdoor space!

23. Rain Shower Head

This rain shower head is a great upgrade from an old, rusty shower head. It provides good water pressure and is easy to install.

As for the shower head set, it comes with an 8′ large square rainfall showerhead, a high pressure handheld shower head, and a filter. The 8′ large square rainfall showerhead has a 360 rotation angle-adjustable solid ball joint nut for reliable leak-free connection and different angle position showers needs. The 5 setting handheld shower head is suitable for baby shower, massage or pets shower, etc.

Time for a quiet shower with your newly installed rain shower head and your Bluetooth speaker!

24. Collapsible Folding Tailgating Table

If you’re looking for the best gift for a tailgater, look no further than a collapsible folding tailgating table!

This gift is perfect for someone who needs to set up multiple tables in short periods of time. Plus, it’s very easy to transport and store – perfect for when you need to take your gear on the go!

Also perfect for the sports family who is always on the go and setting up meals in the parking lot of a sports complex.

25. UV Smartphone Sanitizer

The smartphone Sanitizer is a device used to clean your phone of germs and bacteria. It can be used for things like jewelry or even keyboards.

The sanitizer kills 99% of germs in 5-10 minutes and comes with a charger! This portable charger is affordable, easy to carry, and may be the answer to what I want for Christmas.

No more germs around the things you touch the most. Get your UV sanitizer for your home.

26. A Vitamix because you deserve it

A Vitamix blender is a great gift for anyone who loves to cook and wants to eat healthier. They are known for their high-quality construction, durability, and powerful motors that can blend even the toughest ingredients.

The variable speed control allows you to customize your blending experience, while the large batches make it perfect for preparing food for a crowd.

It has a 7- year full warranty, meaning that it will be covered for any damage or defects for the first seven years after purchase. I can attest they stand by this because my motor was replaced and it runs like new!

Best Christmas gift to myself – my Vitamix!

27. MICHLEY Unbreakable Wine Glasses

If you’re looking for a great gift for clumsy drinkers, look no further than the MICHLEY Unbreakable Wine Glasses!

These glasses are made of durable plastic and can withstand even the most strenuous of drinking sessions. Whether your loved one is an occasional drinker or not, these glasses will make sure their wine never ends up on the floor again. So why not give them the gift of unbreakable wine glasses this Christmas?

28. Bathtub Caddy with Gold Handles

This bathtub caddy is handmade and made to order.

You can choose from 20 different color options, and the board is made of knotty pine planks.

Imagine relaxing after a stressful day!  Great for setting drinks, food, books, etc. Wouldn’t this be a perfect addition to your bathroom?

29. Subscription Gift Sets for Women

There are many different sets to choose from, so you’re sure to find one that fits the woman’s personality.

If she’s into fashion, consider buying her a set that includes designer handbags, jewelry, clothes, or tickets to a show. Or if she’s more of a homebody, go for a set that includes candles, bath salts, and other relaxation items.

No matter what set you choose, the woman is sure to appreciate your thoughtfulness. So why not surprise her with a gift set this Christmas? She’ll love you for it!

30. Yoga Leggings

Looking for a comfortable and stylish pair of leggings to wear this holiday season?

Look no further than the Healthyoga Yoga Pants! Made with a breathable and soft fabric, as well as a high-waisted fit, these leggings are perfect for people who work out or just want to feel comfortable during the holiday season. Plus, they come in several colors and patterns, including one that features beautiful butterflies.

Please don’t tell anyone how many pairs I already own; yet, I still want more!

What’s more, these leggings are perfect for people who like to take their workouts outdoors. They do not ride up when in the squat position, and they also have a handy pocket that is the perfect place to store essentials like your ID, phone, or keys. So don’t wait any longer–order your yoga pants today!

What Christmas Gifts Do I Want?

Christmas is a time where we all get together with our loved ones and exchange gifts.

It’s always a lot of fun to see what everyone gets, but sometimes it can be difficult to come up with ideas for what to put on your wish list.

If you’re struggling to come up with some ideas, don’t worry we included plenty of gift ideas to help you out!

What to consider when buying a gift for someone?

When buying a gift for someone, it is important to consider their interests and what will make them happy. It is also important to think about the occasion and what type of gift will be appropriate. If you are not sure what to get someone, it is always a good idea to ask them what they would like.

Another option is to give a handmade gift. This could be anything from a cake or cookies to jewelry or a scarf. The advantage of this type of present is that it’s personal and made by you, which makes it extra special.

Finally, if you’re still stuck for ideas, why not give a gift card? This gives the person receiving the present the freedom to choose something they really want. It also means you don’t have to worry about getting the wrong thing!

When buying someone a Christmas gift, it’s important to put some thought into it and make sure it’s something they’ll really like.

what do u want for christmas

That’s the question on everyone’s mind this time of year. And most of us are too afraid to articulate. Maybe you are hoping for a new outfit. Or maybe you’re hoping for something a little more luxurious, like a trip to Europe. 

First, you need to be open and honest about what you want for Christmas. 

We all want… Santa to come bearing gifts!

Now, Share What Do I Want For Christmas

I have you covered. Share this post with family and friends with numbers of which gifts were intriguing to you.

That takes the awkward conversation of gifts during the holidays.

Christmas is about love, joy, and giving gifts – not about getting the most expensive thing on the wish list.

But, here are the must-have items we heard loud and clear when asking around about what do I want for Christmas.

This will guarantee success this Christmas season and beyond!

Even better, you can order online from the comfort of your own home! Right now!

Also, this article has something for everyone and is perfect for any occasion. Whether you’re looking for a gift for Christmas, Hanukkah, Valentine’s Day, Mother’s Day, Father’s Day, or just because!

Know someone else that needs this, too? Then, please share!!

Source: moneybliss.org

Apache is functioning normally

Swedish death cleaning is the process of paring down your personal possessions in a thoughtful, intentional manner before your death, so your loved ones don’t have to. The term was popularized by the 2018 book “The Gentle Art of Swedish Death Cleaning,” written by Margareta Magnusson, and later by a reality TV show based on the book.

As Magnusson writes, “It does not necessarily have to do with your age or death, but often does.”

The idea behind Swedish death cleaning

Maybe you spring clean every year. Perhaps you’ve recently decluttered your basement before a garage sale.

This cleaning is different.

It’s a thorough accounting of every possession you own, one by one. Yes, this even means facing that one bin filled to the brim with family photos and the filing cabinet stuffed with paperwork dating back to 1992.

The goal stretches beyond tidying up. It requires challenging yourself to let go of many possessions, including those with strong emotional connections. This doesn’t always mean throwing them away or donating them — it could mean finding them new homes with family and friends.

Swedish death cleaning can have a transformative quality and often serves as a transition to a new chapter of life. It might accompany downsizing homes or the death of a spouse. It’s also unavoidable. Death cleaning is a fate that awaits everyone’s belongings, according to Magnusson.

So, the choice you face is not whether death cleaning makes sense for you — it’s whether you’ll choose to face this inevitable task when you’re in a position of control, under a timeline and conditions of your choosing, or whether the job will be foisted upon your loved ones after you die. Either way, it’s coming.

If you delay, you might be forced into rushing through it. You may not have the energy to go through your things in the manner you’d prefer. And, if you delay too long, you risk having others making decisions about your things for you.

Best for: Ease of use. Cost: One-time fee of $159 per individual or $259 for couples. $19 annual membership fee thereafter.

Best for: Users who want an all-inclusive experience. Cost: $99 per year for Starter plan. $139 per year for Plus plan. $209 per year for All Access plan.

Best for: State-specific legal advice. Cost: $89 for Basic will plan. $99 for Comprehensive will plan. $249 for Estate Plan Bundle.

Benefits of Swedish death cleaning

Swedish death cleaning is likely to be difficult. It will probably take a lot of time. Encountering a lifetime of memories, good and bad, can be emotionally draining. Saying goodbye to some long-held objects that embody these memories is hard.

So why do it? Magnusson cites many reasons:

  • It can be liberating. Simplifying your life can bring a feeling of freedom to focus on something new.

  • You can avoid burdening others with the task. Death cleaning can be even more burdensome if you wait until the end of your life. And if you outright refuse to do it, you are essentially forcing your family and friends into eventually doing the same job for you. If you don’t want to organize your own things, why do you think they would want to?

  • It’s an opportunity to reflect. Though difficult, you’ll likely rediscover memories you have long forgotten. This can be a positive experience.

  • It can spark important end-of-life conversations with friends and family. These are conversations that they or you might otherwise avoid.

  • You can pass along helpful or important items. Giving a beloved object to a friend or family member can be a chance to recognize the importance of a relationship or pass on a family story or tradition. Something practical, like furniture or kitchenware, might have outgrown its use to you, but could be extremely helpful to someone just starting out.

Cleaning and estate planning

In practical terms, letting survivors sort through your belongings after you die can also make it more time-consuming to settle your estate. Even if you trim down your possessions now, you’ll still have things that require sorting through after your death. That’s where estate planning comes in. While the book doesn’t discuss the details of formal estate planning, it’s a logical extension of the philosophy behind Swedish death cleaning.

Suppose you have a will and appoint an executor, who is responsible for settling your estate. That person is generally tasked with selling your property, if you have any, which would likely require getting your house cleaned and belongings appraised. That could take months or even years if your home is filled with decades’ worth of items, and the cost of doing so would generally come out of your estate. Aside from being emotionally burdensome for survivors, the effort could also be a drain on your estate, and your heirs could be left with fewer assets, which might take them years to access.

Slimming down your possessions now and making your wishes clear for what remains can streamline this process.

How to start

  • Begin with the typical storage areas — basements and attics, for example. There’s a good chance you’ll find hastily stashed things that will be easy to part with. Culling clothes and furniture are other ways to make quick, visible progress.

  • Ask friends and family to assist. In addition to helping you go through boxes, they might discover things they’d gladly take off your hands. 

  • Attach notes to objects or make piles as you go. This way, you can easily remember where it goes — to someone else, to a donation center, to a yard sale, etc.

  • Save the most emotional things for last. Be patient with yourself.

Cleaning and your finances

Swedish death cleaning is an all-encompassing endeavor, which means at some point you’ll need to review your finances. Magnusson says this can include tasks like writing a will or making a plan for usernames and passwords to your important digital accounts.

Organizing finances can be the most challenging part of the cleaning process — but it might be the part that will aid your executor and heirs the most. Here’s how to get started.

Simplify your important records

Make a plan for distributing your assets

Plan for taxes

Source: nerdwallet.com

Apache is functioning normally

Are you tired of being broke? It’s been a long time since I’ve been broke, but I can still remember exactly what it felt like. I can picture all the ugly details of the way I used to struggle; the empty bank account, the awkward moments, the feelings of despair…. And honestly, one particularly awkward conversation with my sister still plays clearly in my mind to this day:

“Hey sis, I’m coming into town this weekend,” she said innocently. “Maybe we could go grab dinner.”

“Ummm, let me think about that for a second.” I struggled to find a tactful way to tell her that I couldn’t afford it.

It’s been about ten years since then, but at the time I was 22 years old and flat broke. A series of bad decisions meant that I was trapped in a desperate situation that felt nearly impossible to get out of. And although I was going to school part time, I was living off a full-time job that only paid a whopping $9.15 an hour. Oh, and it gets worse.

Related >> Financial advice to my younger self

Bad Decisions Have Consequences

Have I ever mentioned that I once bought a $22,000 car while making just a little over minimum wage? The resulting $500 monthly car payment meant that almost half of my take home pay was being spent on transportation. And by the time I realized what I had done, it was much, much too late. Since I had always had wonderful credit, I refused to let a car repossession ruin everything in one fell swoop. I was (and still am) stubborn. So, instead of letting the car go, I struggled. This often meant that I didn’t have the money to put gas in my car or to go to the doctor. And I certainly didn’t have the money to go out to eat with my sister.

Related >> The best way to buy a new car

“Sorry, I don’t have the money to go out to dinner,” I said with shame and emotion I may never forget.

“You can’t afford to go to Applebees?!”

<insert awkward silence here>

I could tell by my sister’s tone that she thought it was ridiculous that I couldn’t afford to eat at the cheesy neighborhood bar & grill. And honestly, I thought it was ridiculous too. Living so close to my means meant that I was always just one step away from disaster. One day off work, one prolonged sickness, or one unfortunate incident had the potential to leave me completely desolate. I knew that I had to change something. Unfortunately, I struggled to figure out where to start.

The Truth About Being Broke

Shortly after realizing I couldn’t afford to eat at Applebee’s, I learned the truth about being broke. As much as I didn’t like it, I was going to have to make some drastic changes in order to improve my situation. So, I sucked it up and moved back in with my parents. As sad and pathetic as that must’ve looked to outsiders, I knew that this was my chance to get on solid financial footing. Since I no longer had to pay for living expenses, I used the opportunity to start paying additional car payments. I also began cleaning houses on the side while I went to school. I would often make $1000 or even $1500 payments on that stupid car, and I felt a sense of victory each and every time. It became a matter of principle. Every inch of my being wanted to pay off the darn thing, and I was itching to mail in that last and final payment. Fortunately, it was only a matter of time.

After a year or so at home, my car was completely paid off, and I pledged to drive it into the ground. Well, I ended up owning it for seven years before the events of getting married and having my first child necessitated a family-friendly (used) minivan. However, I still learned an important lesson from the whole ordeal. When I finally sold it, I was shocked to learn that it was only worth $2,500. I couldn’t believe it! I cringed at the thought of all I had given up for that car. After all, I had just spent several years of my life living like a pauper to own a car that lost 90 percent of its value in seven years. And, for what? The unfortunate truth is that I did it for no reason at all, except perhaps the opportunity to learn a lesson that I may never have learned otherwise.

What I Learned From Being Broke

Being broke gave me an entirely different perspective on cash flow, debt and my own financial well-being. I learned that there was a big difference between looking like you have money and actually having money. I also learned about living within my means and the real-life consequences of unplanned purchases. And most importantly, I became willing to do anything and everything to make sure that I was never broke again. Once I was out of debt, I pledged to never let that happen again. I promised to rise above my situation and start with a clean slate. And I did.

Of course, things haven’t gone perfectly since then. As I’ve written about many times before, my husband and I took the concept of lifestyle inflation to a whole new level in the early years of our marriage. Fortunately, we’ve reigned things in over the past few year years, and we’re now building wealth like never before. We’re debt-free aside from a small mortgage and we’re hell-bent on staying that way for eternity. And even though I’ve strayed several times since becoming an adult, some of the lessons from that part of my life have stuck with me.

Related >> Getting rich slowly on your own terms

Here’s what I learned from being broke:

  • Don’t rely on one income stream. I was never going to get ahead while relying on one full-time job for my entire livelihood. In fact, I never really started making progress against my debt until I started picking up cleaning jobs on the side. Sure, cleaning houses wasn’t much fun. But the truth is, the extra income that it brought in completely altered my financial situation over the course of a few years. Now that I’m older, I still strive to have several streams of income coming in. I started a profitable blog with my husband and have secured a multitude of part-time jobs that create a full-time living. I’ve also diversified my investments as much as possible including the acquisition of rental properties. I’ve learned that having one “job” means that you’re only one step away from not having a job at all.
  • Only you can solve your problems. As I look back, I realize that I would probably be much better off if I had filed bankruptcy and taken the car back to the dealership. I could’ve easily bought an old beater to drive around. It would’ve taken time, but I would have eventually restored my credit rating back to its former glory. Although that sounds tempting, I know that I wouldn’t be where I am now if I had chosen that path.
  • Live below your means. In retrospect, I now realize that spending half of my income on transportation is absolutely ridiculous. What was I thinking? Unfortunately, I wasn’t. Amazingly, I never once crunched the numbers to see what the real cost of buying that vehicle would be. Now that I’ve been broke, I realize how important it is to live below my means. And now that I make more money, I choose to live much further below my means that I really need to.

Life After Broke

The truth about being broke is that it can be exhausting and demoralizing. And although that part of my life caused a lot of heartache and embarrassment, I’m so glad that I was able to learn all of those lessons firsthand. Now that I’m on the other side, I use those experiences as motivation to continue my quest for financial independence and security. And now when someone calls to ask me to dinner, I have a choice. And when I say no, it’s not because I don’t have ten dollars in my bank account or because I’m saving to pay my electric bill. It’s because I’ve been broke and I want to make sure that I’m never broke again.

Have you ever been flat broke? If so, what did you learn from it?

Source: getrichslowly.org

Apache is functioning normally

Preserving our planet one city at a time.

In recent years, there has been a growing trend in environmental sustainability and the need to address pollution in cities. Because of the growing awareness, many cities have made significant strides in this area, implementing measures to reduce pollution, promote clean energy, bring awareness around Earth Day and protect natural resources.

From innovative transportation solutions to community-based initiatives, these cities are leading the way toward a cleaner, more sustainable future. In this article, we will take a closer look at some of the cleanest cities in the US, exploring their approaches to sustainability and the impact of their efforts on the environment and the community.

What defines a clean city?

Cities have been scored and ranked based on numerous, measurable factors. These factors include alternative fuel resources, recycling jobs and air pollution, registered alternative fuel vehicles and traditional fuel vehicles.

These factors were scaled, scored and ranked scored and ranked while controlling for differences in population and land area. Based on this ranking, we’ve compiled the top 10 cleanest cities worthy of analyzing.

Located just two hours outside of New Orleans, Lafayette is a smaller Louisiana city making a true difference for the environment. The city has about half a million alternative fuel vehicles registered, helping it secure this top 10 spot. The city’s “Cleanest City” initiative includes regular litter pickups, community beautification projects and environmental education programs for local schools.

Lafayette has also implemented policies to reduce pollution and promote sustainable practices. The city has installed energy-efficient LED lighting in public areas and established a recycling program to reduce waste. Lafayette has also introduced a public transit system that utilizes hybrid buses, reducing emissions and promoting sustainable transportation.

Top apartments in Lafayette:

Rapid City has launched several initiatives to promote cleanliness and sustainability in the city. One of the most significant efforts is the “Keep Rapid City Clean and Green” program. Through this program, the city has organized numerous community clean-up events, including litter pickups and recycling drives. Rapid City has also implemented a public education campaign to raise awareness about reducing waste. This initiative has also helped contribute to the city’s level of recycling jobs available.

Rapid City has also implemented policies to reduce pollution and promote sustainable living. For example, the city has established a bike-sharing program to encourage more people to use sustainable transportation options. Rapid City has also introduced a public transit system that utilizes hybrid buses, reducing emissions and promoting sustainable transportation.

Top apartments in Rapid City:

One of the most significant efforts Duluth is making is the “Clean and Green Duluth” program, which encourages residents to take an active role in keeping the city clean. Through this program, the city has organized community clean-up events and litter pickups and has implemented a “zero waste” program at many public events. The zero-waste program has contributed to the city’s low pollution score along with its energy-efficiency initiatives.

Duluth has installed energy-efficient LED lighting in public areas and has introduced a public transit system that utilizes hybrid buses. In addition to these green initiatives, the “Bag it Duluth” initiative aims to reduce the use of single-use plastic bags by promoting the use of reusable bags through monetary rewards with partnering businesses.

Top apartments in Duluth:

Located 63 miles outside of Denver, Greeley is a green city securing our seventh spot. Greeley has implemented several initiatives to beautify their city. One of the most significant efforts is the “Greeley-Evans Transit” program, which provides public transportation services using hybrid buses. The use of hybrid buses reduces emissions and promotes sustainable transportation in the city.

Another notable initiative in Greeley is the “Clean Energy Plan,” which sets a goal of 100% renewable energy by 2030. As an extension of renewable energy efforts, the city has installed energy-efficient lighting in public areas and has a bike-sharing program to encourage sustainable transportation.

Top apartments in Greely:

With a low pollution score and 1 recycling job per 1 resident, Cedar Rapids has earned the title of a clean city. The city has committed to using renewable energy sources, such as solar and wind power, to reduce its carbon footprint. The city has installed several solar panels, including a large array at the Cedar Rapids Ice Arena.

Cedar Rapids has also launched several programs to help residents and businesses reduce their energy usages, such as the “Bright Ideas” program that offers free energy audits and incentives for energy-efficient upgrades. Additionally, the city has implemented a “Green Building Policy” that requires all new city-owned buildings to meet certain environmental standards, such as LEED certification.

Top apartments in Cedar Rapids:

Laredo is taking proactive steps to become a more sustainable and environmentally friendly city, with a focus on recycling, energy efficiency and green spaces. This Texas metro has a network of parks, open spaces and natural areas that provide residents with opportunities to enjoy the outdoors. The city has also implemented a program to plant more trees in the community, further beautifying these spaces.

Laredo is showing commitment to improving energy efficiency in municipal buildings, as well as promoting energy efficiency in homes and businesses. The city has implemented a program to replace streetlights with energy-efficient LED lights.

Top apartments in Laredo:

Lincoln’s goal of achieving 100% renewable energy by 2040, along with other initiatives, has earned it the fourth spot on our list. The city has already installed several solar arrays and wind turbines to work towards this goal in addition to implementing several programs to help residents and businesses reduce their energy usage. One program called the “Green Challenge” program offers free energy audits and incentives for energy-efficient upgrades.

Lincoln is working to promote sustainable transportation options, such as walking, biking and public transit, which is reflected in the city’s low number of traditional fuel-registered cars. The city has implemented a bike share program and is expanding the network of bike lanes and trails. The city also has a public transit system that runs on compressed natural gas (CNG), which is a cleaner-burning fuel than traditional gasoline.

Top apartments in Lincoln:

Known for its stunning scenery, Cheyenne is doing its part to protect these views and surrounding plains. Cheyenne has implemented several programs to help residents and businesses reduce their energy usage, such as the “Green Business Program” which offers energy audits for free and rewards for energy-efficient upgrades.

Through these initiatives, Cheyenne has a goal of achieving 100% renewable energy for its municipal operations by 2025, and the city has already installed several solar panels on city buildings. Water conservation is also top-of-mind, through the implemented programs to promote water conservation, including a program to install low-flow showerheads and toilets in homes and businesses.

Top apartments in Cheyenne:

Hot Springs takes the second spot with a low pollution score and ample recycling jobs along with other green-friendly initiatives. This Arkansas city has a comprehensive recycling program for residents, which includes the collection of paper, plastics, glass and other materials. The city also provides free recycling bins to residents and has a curbside recycling program.

Additionally, Hot Springs has implemented green building standards for new construction and renovations. The city provides resources and incentives for developers and homeowners to incorporate energy-efficient and sustainable features into their buildings.

Top apartments in Hot Springs:

Also known as the Quad Cities, Davenport-Moline-Rock Island has taken several steps to become a more environmentally sustainable region, earning our title as the cleanest city. The Quad Cities has several renewable energy projects, including a solar farm in Moline, Illinois, and a wind farm in Iowa. The region is also exploring additional opportunities for renewable energy development, setting a precedent for green initiatives.

The Quad Cities recycling program has diverted millions of pounds of materials from landfills. In 2019, the region’s recycling rate was approximately 43%, which is higher than the national average. With the highest number of recycling jobs on this list, at a whopping 530, the quad cities are clearly investing in the future of the area and of the earth as well.

Top apartments in Quad Cities:

Creating a better world for present and future generations

These cities are setting an example for the rest of the country to follow. Through their commitment to recycling, low levels of pollution and the adoption of alternative fuel vehicles amongst residents, these cities are taking significant steps towards reducing their environmental impact and creating a healthier and more sustainable future.

In sum, these metros demonstrate that clean, green living is not only possible but can also lead to greater economic prosperity, improved public health and a higher quality of life. As more communities adopt similar measures, we can work towards a cleaner, more sustainable future for all. For more green-friendly apartment cities, search here.

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Source: rent.com

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Are you thinking of designing a smoking haven in your house or apartment where you can retreat to after a long day?

Not only can a personalized smoking room be helpful in reducing the exposure of smells and smoke throughout the rest of your living space but creating your very own smoking sanctuary can also add character and a high-ly unique style to your residence (see what we did there?)

Plus, you get your own personal space to dedicate to an activity that brings you joy — you get an extra thumbs up from Marie Kondo for that.

While brainstorming your in-home dream lounge, there are a few key points to keep in mind.

First, you will want to decide on the best location for your set up. Second, you’ll want to focus on the furniture and décor of the room.

Lastly comes the selection of smoking accessories. These are often the most important in that they are what you’ll be passing around and consuming with, ultimately completing your overall smoking experience. 

Location, Location, Location

Choosing an appropriate location for your smoking room is half the battle.

Whether you plan to designate an entire room, basement, attic, or shed, you will want to make sure that the location you choose is not exactly smack dab in the middle of your main living space.

Smoke has a tendency to spread quickly through a home (and, let’s face it, weed stinks), so allocating a relatively remote place will grant smokers the freedom to enjoy their cannabis consumption without any negative impact on non-smokers, or additional members of your family or household. 

If ventilation is of any concern, you can consider installing an exhaust fan (which can be as simple as a wall mount, or as complex as a professional-grade air ventilation system).

Let’s be honest, we’ve all spilled, or been in a room where someone has spilled, bong water and it is less than pleasant (to say the least), especially when not cleaned up quickly or properly.

To get ahead of these, you can use candles, incense, or essential oil diffusers to reduce unwanted odors while also creating a relaxing ambiance. Otherwise, incorporating trees and large plants in and around the room will help to clean and recycle the air while also adding to the overall atmosphere.

Furniture & Decor

When laying out your smoking room, you’ll want it to match your own personal style.

Whether you decide to design a psychedelic, retro, modern, or traditional stoner-style space, there are a few key things to consider in regards to furniture and décor. 

Comfortable seating is an absolute must. Floor pillows and bean bag chairs are often a rather cheap and comfortable way to provide seating for multiple people, while also making it easy to add, reduce, or rearrange your seating set up.

Hanging chairs are more costly, but also provide a more unique look, while a loveseat, futon, or couch can always do the trick and can seat several people at a time for those larger sessions or parties. 

By hanging some colored LEDs or black lights around the room, you can reduce harsh lighting and help achieve a relaxing vibe in your area.

With black lights, you can add some reactive wall art, such as tapestries, decals, or paintings, and further set the mood. If you want a more energetic feel, look for warmer colors with hues of red, yellow, and orange with matching LEDs (which are very energy efficient). 

For a more chill and calming feel, utilize more soft colors like blue and violet. For the animal lovers out there, consider adding a fish tank with neon reflective fish!

Decorate the tank as you wish and enjoy zoning out on your new beautiful swimming companions. Just don’t forget to feed them and clean the tank regularly. 

Blankets and pillows of different fabrics will not only add to you and your guests’ comfort, but the different materials will also be fun to feel and cuddle up with when your sessions conclude.

Having different items around like musical instruments, games, speakers for music, picture/activity books on the coffee table, and other tactile objects will also add some fun to your smoking sesh, whether you are sparking up alone or with others. 

Smoking Accessories

Perhaps the most important feature of your newly designed room will be the equipment you use to consume.

As with most pieces you use to smoke, you’ll want to have somewhere to trash the ash, especially if you prefer to use rolling papers like our Rowll All-In-One Rolling Kit. 

It might seem obvious, but it isn’t uncommon for people to ash in whatever they can find, be it a water bottle, on their leg, or the floor. 

We recommend our Glow In The Dark Cup Ashtray, or our Silicone Ashtray. Silicone is great for those who prefer to smoke out of pipes or bongs, since you won’t break your glass against silicone.

If you are looking for a full setup, without having to shop around for each individual piece, you will be relieved to know that at everythingfor420.com/ we offer several bundles to cover everything you could need! 

Our Green Herbalist bundle, which includes rolling papers, hemp wraps, a rolling tray, 3-layer kief-catching grinder, and a beautifully crafted 10-inch tall Highlander Bong, is one of our best.

This bong features a tree percolator, diffused downstem, and an ice-catcher to filter, cool, and deliver the super smooth and super potent hits. 

There is an endless amount of ways to personalize your smoking room.

Once you have your location selected, the rest is simply personal preference. Whether you are the type to prefer black lights and glow-in-the-dark decorations, or a more simplistic vibe like tapestries and LEDs, the world of design is your oyster. 

Regardless of the style you choose to go with, it’s always fun to have a poster, book, chalkboard, or whiteboard that can serve as a stoner guest book where all who enter can leave their mark and keep the memories alive.

But, more importantly, making sure you get the highest quality smoking accessories on the market is where we come in. 

More tips for your fancy home

Top 4 Safety Hazards Around the House and How to Address Them
The Benefits of Massage Chair Recliners and Why You Should Get One for Your Home
3 Things to Consider When Buying an Air Filter for Your Home
How to Safely Light Artwork in Your Beautiful Home

Source: fancypantshomes.com