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By John Frainee 7 Comments – The content of this website often contains affiliate links and I may be compensated if you buy through those links (at no cost to you!). Learn more about how we make money. Last edited July 15, 2010.

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One of our most serious enemies is Complexity. It saps your time by overwhelming you to the point of atrophy, and can lead us to believe there is nothing we can do about our chaotic lives. Whether you are struggling with your finances or simply needing to breathe easier, here are three things you can do in 24 hours to be more productive.

You’re going to need a whole day for this simplification process. Schedule it in on your calendar. This is going to be a massive overhaul of the way you work. The night before, go to sleep early. The morning of, eat a hearty breakfast. You’ll need to be alert and willing to work hard so you can work less later.

1. Unload your mind with pen and pad.

This is one of the most effective strategies for de-stressing and allowing your mind to take a break. Grab your pen and jot down everything that you have to do in the short and long term. Don’t worry about the order of things, just write for a solid block of time. What you’ll find is that this process will get your mental wheels turning. You’ll come up with new ideas, dig up old things you almost forgot about, and feel the burdens start to be lifted.

This unloading process is part of the GTD (Getting Things Done) methodology. The idea is that you spew all your ideas and concerns out on paper and look at the big picture. This is the first step to helping you organize your life is to get everything out in the open. You can also accomplish this using programs such as Things for Mac.

2. De-clutter all your stuff.

After you have spent a good portion of your day getting every to-do out in the open, it’s time to create a de-cluttered work environment. There’s nothing like a clean, uncluttered work space to melt away stress.

While I personally enjoy an uncluttered work environment, it isn’t always easy for me to maintain. To blast through the large piles on your desk, try throwing everything into one big pile. Then, organize everything into three separate and smaller piles: Inbox, Archive, and Trash. The Inbox pile should be items that are of immediate concern. Keep this pile small and process these items (ex: bills) as soon as possible. The Archive pile can be scanned into your computer for future reference or stored securely in a locked filing system. Try to archive as little as you can. Don’t keep everything! The Trash pile needs to be shredded and thrown in a dumpster. Throw away as much as is reasonable.

What you’ll be left with is a serene work environment where your productivity will shoot through the roof. But don’t stop here. It’s time to organize your to-dos and daily activities.

3. Design your day-to-day living.

This is the fun part. Take a look at your average day and ask yourself this question: is there anything I can do to simplify my lifestyle and enjoy every moment? As you architect your new day, pull out that list you made in Step 1 and ask yourself how you can accomplish these goals over time. Create a game-plan worth pursuing. Maybe one of your items is to get out of debt – study Dave Ramsey’s Baby Steps! Perhaps you need help keeping your home organized while on the go – read blogs focused on un-cluttering!

Whatever goals you have, taking 24 hours to reorganize your life and finances will create a healthier you. I challenge you to start from the ground up and redesign everything to better suit your needs. What do you have to lose?

What are some things you’ve done to simplify your life and finances? What do you suggest to others?

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Source: biblemoneymatters.com

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Your local public library is much more than a great place for books. It can save you big bucks, help you with a career or education transition, and even hosts many activities for kids, teens, and adults.  Here are the reasons to check out the library near your apartment.

Save money by borrowing books

Books typically run $12-$25 in a retail setting and also cost a few dollars to download. However, borrowing from the library is free (as long as you turn your book in on time and don’t have to pay late fees). The local library makes it easy to find a book from whatever genre you want, and you’ll discover books you weren’t aware of. Be sure to check out their audio and e-book selection. It’s a great way to save money and read your favorite books.

Hot Tip: Many libraries have what’s called a “Friend’s Room,” where gently used books are for sale. These books have been donated by friend of the library and their sale boosts the library’s operating fund. You can find wonderful hardbound books for only a dollar or two, and magazines can even be free.

Save money by borrowing music and movies

The library has CDs in many musical genres. See if your favorite artists are there. You can borrow the CDs without having to purchase them. The same goes for movies. Borrow movies you like, and watch them without ads. You’ll have a week or two to watch and return your favorite films, including old classics which are hard to find on TV.

Save money  on magazines

Did you know that local public libraries often have magazine subscriptions to all sorts of magazines?  From fashion to sports and news to science, you can read your favorite magazines without having to pay the subscription rate to have them delivered to your apartment.

Hot tip: Magazines are typically not allowed to be checked out, but libraries place comfy reading chairs near their “periodical” section, which is where you’ll find the magazines.

Save money with free internet

Most of us do several things online, from downloading music to shopping. But having internet at home is pricey, and restaurants often shut theirs down during mealtimes, to free up tables. If you don’t want to live in a Starbucks, the library is a pleasant, clean and comfortable alternative . . . with free internet. You can either take your own computer and use their wireless code, or use a computer they have at no extra charge.

Work on your education

Libraries have a desire to help those in education. Some sites will offer GED classes and do school supply drives for those in need. Public libraries also often offers tutoring opportunities for those who need help in class. Looking to learn a foreign language? The library has you covered, and typically owns full sets of expensive language DVDs that you can borrow for free. It’s also a quiet place to study, and conference rooms can be booked for free.

Get help with research

The library is a great place to get research information for your class paper.  From science to history to old newspaper articles and historical documents, libraries can give you what you need or point you in the right direction. Larger public libraries will even have a dedicated research librarian on staff, who can find answers to tricky questions, all at no charge to you!

Looking for a job?

Job searching is tough work. It can be hard to know where to start. Many libraries have job and career resources that can help you find that dream job. Not computer savvy? The library offers resources to help you learn computer skills.

Great for kids (and grandkids!)

Your local public library does many things to get the young kids into reading. It is a lot of fun, and the library has classes especially for toddlers. They know kids that age can’t sit still for too long, so they create programs that incorporate movement with reading. For babies, some libraries even have baby yoga classes that incorporate reading and yoga. Many libraries offer online kids’ books and educational options like animated talking picture books, puzzles, music and much more.

Special Events for All Ages

Many libraries have special events for the kids and the adults. Events for kids are often during summer or school breaks. Adults can enjoy guest speakers, book signings and educational or networking opportunities. Check your library’s calendar of events. Often, they will print out a monthly calendar, which you can take home to your apartment.

Hot Tip: Placing this calendar on your refrigerator will remind you of all the free events coming up.

The local public library has so much to offer. All you need to do is be a local resident and get a library card, which is free. There’s something for everyone at the local library. It is so much more than just books it is a great service to the community.

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They don’t call it a global economic slowdown for nothing: Evidence is mounting that the BRICs –the  world’s big, fast-growing developing economies — are slowing down. Growth in Brazil, Russia, India, and China is expected to slow considerably in 2012, dampening an already weak global economy.

Since the 2008 financial crisis, it’s been powerhouses like China that have helped keep the global economy from total collapse. But if the BRIC economies sputter, what will help sustain the world’s growth engine?

What does BRIC Mean?

The term “BRIC” was first coined about a decade ago by Goldman Sachs, as a way to describe the large, emerging economies which were believed to represent the economic wave of the future. These rapidly growing economies would lift millions out of poverty and provide new markets and growth for developed-world businesses.

For several years, that premise has been mostly right – countries like China and Brazil have grown rapidly, seeing their middle class expand and providing American businesses and investors with greater returns. And they’ve weathered the global financial crisis much better than the US or Europe, continuing to post impressive growth and maintaining budget deficits lower than the developed world’s.

American investors have the BRICs to thank for the relatively buoyant stock market performance of the past year or two, as American businesses’ overseas profits have translated into higher corporate earnings and stock prices at home.

The Future of BRIC Economies

But all that may be coming to an end, suggest some analysts. Not only is growth slowing markedly in some of these economies, but increasing inflation in places like Brazil and India, for example, means that their central banks have a lower margin for reducing interest rates and boosting growth. That means it’s unlikely the large stimulus programs enacted in some BRICs during the 2008 crisis are likely to be repeated soon.

And with the developed world still struggling, these countries may, indeed, need such a stimulus for continued growth. After all, if American and European pocketbooks are still in a fragile state, who will buy all of the products produced in China or Russian commodities?

There’s another, darker view on the BRICs, too, that goes beyond thinking this is a mere slowdown. One line of thought suggests that the rapid growth these countries have experienced in the past 15 years was a one-time phenomenon unlikely to repeat itself. China, for example, benefitted largely from its low wages to lure production facilities and create an export-oriented economy. But wages are now rising in China, and production is moving to even lower-wage countries (and in some cases, even back to the US).

In Brazil and Russia, corruption and commodity dependency continues to plague many sectors of the economy and may stunt growth; already, Brazil’s Q1 2012 GDP growth rate was a mere 0.8%. China’s GDP, which had been growing at or above 10%, is projected to increase only 7.5% this year.

The Bottom Line

Sure, a 7.5% growth rate is still great by US standards, but for a country like China, it may be insufficient to keep reducing poverty at a rapid clip or encourage a transition from an export to a consumption-based economy. And if fears of a housing bubble popping come true, China will need to clean up its own economy, let alone help boost the ailing West.

In such a world, “BRIC” may just be another one of those fashionable terms from a more optimistic era. Just like “globalization” and “Internet”, it may no longer hold the promise of a brighter economic tomorrow.

“Is the Show Over for the BRIC Economies?” was written by Janet Al-Saad, MintLife Managing Editor. 

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Source: mint.intuit.com

Apache is functioning normally

By Peter Anderson 3 Comments – The content of this website often contains affiliate links and I may be compensated if you buy through those links (at no cost to you!). Learn more about how we make money. Last edited April 3, 2014.

Up here in Minnesota summer usually doesn’t arrive until a little later in the year than many places, but when it gets here, it comes in with a vengeance. The last two days have been in the low to mid 90’s here in our area, and today there were tons of traffic problems all over town because the roads were buckling from the extreme heat.  They expect more of the same today, and temps may top 100 today!

With the heat comes air conditioning season.

Our electric bills go through the roof as we enjoy having a nice cool home, and don’t mind paying for it. This year, however, we quickly realized over the last two days that our AC unit wasn’t functioning as it should.

Despite the fact that we were setting our thermostat to the low 70’s, the AC unit was struggling to keep it below 76 or 77 in the house. In the upstairs the temps were probably closer to 80 or so.

Calling In The AC Repairman

We decided on Sunday night that we would call the AC repairman on Monday morning to come out and fix our unit.  The temps in the house were just a little too high.

We called the heating cooling folks and were promptly told that we’d be put on a list, and that someone would be out later in the afternoon.  At 3:45 no one had shown, so we called them back.  They said the person was still coming, but that since it was such a hot and busy day, they were going from call to call and coming as quickly as they could.

Finally at around 9pm the repair guy shows up at our house.  He inspected our condenser outside, checked connections and then proceeded to inspect the inside of the unit.  After looking at the coils on the unit he announced that he was reasonably sure that the coils on our unit was just really dirty, and that cleaning them off would fix our issue.  He told us to come watch how he did it so that the next time we could save ourselves the house call, and the $172 that we paid to get our AC humming again.

First he unplugged the unit from the box next to the condenser on the wall.  After removing power from the unit he hooked up the hose, and proceeded to gently spray the coils. Sure enough they were exceedingly dirty, and the dirty water started pouring down.  After hosing the unit down thoroughly on all sides, he reconnected everything and plugged it back in.  It fired right up and when we walked in the house the temps were already starting to feel more livable. Within the next half hour the temps had dropped 5 degrees, and were at the desired temp within an hour or so.

Try These Simple DIY Fixes For Your AC Unit Before Calling The Repairman

Sometimes we take the easy route out like we did at our house this week, and we neglect to try and find our own fixes to problems just because we think that the problem might not be very easy to diagnose, or that only a professional could handle it.

In many instances, however, even a non-handy homeowner like myself could easily fix their home maintenance and repair problems with just a simple Google search.  For example, on our AC system “repair” last night, we ended up having to pay almost $175 for the guy to essentially hose down our AC unit.

If I had done a simple Google search before calling the professionals I would have found countless websites talking about how this is one of the most common reasons why an AC unit stops pumping out the cool air.  There are even countless videos on how to do it if you’re so inclined. Here’s one in case you want to make sure your own AC unit is clean and maintained.

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Cleaning Your Own AC Unit

In case you want to clean your own AC unit and save yourself the hassles we went through and the money we spent, follow these simple steps shown in the video above.

  1. Remove power source from AC unit:  Usually there will be a box mounted next to the unit where you can open it and unplug the unit from power.  Barring that you can turn it off at the breaker box.
  2. Unscrew the grate/fan assembly on top:  Take off the grate on top, usually by removing several screws around the perimeter.   Remove the grate and the fan assembly carefully. Make sure not to bend the blades on the fan as this can cause problems later on.
  3. Remove any debris from inside unit, and from around outside:  You’ll usually find leaves, twigs and other plant debris inside the unit. Remove what you can see inside the unit, as well as removing any plants getting too close to the unit outside.
  4. Hose off the coils around the unit, removing dirt and other debris: Once you’ve cleaned out other material, hook up the hose and hose off the coils around the exterior with a slow steady stream of water. Make sure you’re not blasting the unit with high pressure water, however.
  5. Put it back together, plug it in and enjoy the cool air!:  Once you’ve removed all the debris, and dirt from the coils, put everything back together, and plug  the unit back in.  It should resume normal operation, but now with increased efficiency and much more cool air!

Another thing the average homeowner can check on their AC unit before calling professionals is the filter on their unit, usually found by the furnace inside the house.  If that filter gets too dirty it can impede the free flow of air and cause problems as well.  Change the filter regularly.

Next time we know we can try a few simple fixes like this – before calling the repairman. He told us yesterday that probably 1/2 of his calls during that day had been simply dirty coils – an easy DIY fix.

Other Simple DIY Fixes We’ve Done

We’ve had at least one other easy DIY fix lately that saved us hundreds of dollars.  Last month our washing machine started overflowing water in our laundry room.  Luckily we didn’t have a flood as some others have, but it was perturbing nonetheless.   Before we either called a repairman or bought a new washing machine, I decided to do a Google search for our make and model and see if there were any common and easy to fix issues that might cause overfilling like we had.  Turns out that there was a piece on the unit that tells the machine when to stop filling with water called the “fill switch”.  If it gets plugged (as sometimes can happen), the machine might not realize that it’s time to stop filling.  The site we found had another helpful video, which we watched to see how to disassemble the unit and find the part.  Sure enough, the piece was plugged with gunk.  After removing the debris we had a fully functioning washer again. Easy fix, and we saved hundreds on either a service call or a new machine.  Of course we’ll still be keeping a close eye on this machine for now as we don’t fully trust it… yet.

Lesson Learned: Simple DIY Fixes Can Save You Hundreds

The point I’m trying to get across here is that you don’t have to be handy in order to do your own home repair and maintenance tasks, at least the easy ones. In this day and age it’s pretty easy to find good instructions and tutorials online on how to diagnose and fix your problems without the help of an expert.  Just make sure you take all the necessary safety precautions, and don’t stray from the instructions, and in many cases you’ll be able to save yourself a ton of money!

Have you done your own repairs or maintenance in order to save money? Tell us about the last time you saved by doing your own DIY projects, and how much you think you saved in the comments.

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Source: biblemoneymatters.com

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When putting your home up for sale, the waiting game is one of the hardest parts. Regardless of the reason behind the decision to sell your property — be it because you’ve already found your dream home, want to move to a new city/area, or simply downsizing — earning money from the transaction as soon as possible is always preferable.

Plus, it’s never easy saying goodbye to a place you’ve called home, where you and your family have spent wonderful moments together and that will be forever etched in your memories. So why prolong the melancholic goodbye?

Fortunately, there are things you can do to improve your home’s chances to sell fast without having to shell out a considerable amount of money. Often times, doing things in the right order can help us save lots of time and effort, not to mention unnecessary stress. It isn’t much different when selling your home.

So to make it easier for you, we’ve turned to industry professionals for a little guidance on how to prepare your house for selling. Here’s what most of them agreed would speed up the sale of your property.

#1 Work with a Realtor

Sure, it’s the age of the internet, and every service can be accessed online, who needs a real estate agent to hold their hand? But as most industry professionals will tell you, that may not be applicable in the case of real estate transactions — especially when selling your home, which is arguably your biggest financial asset.

Pricing your home, listing it, distributing the listing to make sure it appears on websites people actually use when looking up homes, scheduling property tours, and handling paperwork are just some the biggest aspects of a home sale. The list goes on an on, so better put it in the hands of a professional that will know to pay extra attention to crucial aspects of the deal.

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Realtors know the ins-and-outs of the industry and have inside knowledge of your area. Real estate agents have already built up their contact list, from potential buyers to contractors who can help you do minor repairs in your residence, and will easily manage all the paperwork involved in the sale.

While some real estate agents require a deposit for their service, most realtors go by a commission-based payment system. This means that they’ll only get paid when you sell your home, which motivates them to help you find clients and close deals quickly — and for the highest $$$ amount possible, as that will lead to a higher commission for them too.

#2 Enhance your home’s curb appeal

Curb appeal pertains to the attractiveness of your home from the outside. It extends to the entire front of your house, including your lawn and how other trees or bushes frame your residence.

The point of enhancing your home’s curb appeal is to make the exterior more tempting to potential buyers. After all, it’s their first interaction with what could be their future home, so you’ll want your house to make a great first impression. The idea is to make it appeal to them as soon as they make the curb.

A few tips to boost the curb appeal of your property include:

  • Adding some greenery – One of the best ways to enhance the exterior of your property is to plant some flowers and plants. You don’t need to overhaul your lawn and start a garden. You can draw potential buyers’ eyes toward windows and entryways with planters and window boxes.
  • Tend to the lawn – Never has maintaining a well-kept lawn mattered more. Make a point out of regularly mowing the grass, raking off any unwanted leaves, and pulling weeds out when planning to put your home on the market, as it will significantly increase its curb appeal.
  • Clean the gutters – The gutters are a visible yet often neglected part of the home. When putting up your property on a listing, make sure that you give these attachments a little TLC by clearing up debris and scrubbing the outside.

#3 Improve the front door area

We’ve already established how important first impressions are when selling your home. And your front door plays a huge role in landing that great first impression. If you don’t think it’s sufficiently appealing already, know that it doesn’t take all that much to upgrade your front door.

You can do this by coating your front door with fresh paint, adding some décor, and even putting a welcome mat right with a memorable message to welcome buyers.

For the interior, you must clear the entryway and draw the eye of clients inward through strategically placed furniture as well as accessories.

#4 Declutter and de-personalize

One of the top ways to increase the value of your home is to free up spaces in key areas of your residence. This includes the living room, kitchen, bathroom, and even the bedrooms. Declutter and get rid of all extra items that don’t add to the aesthetic appeal of your property.

Depersonalizing your space is also a crucial aspect of home-selling. The buyer must be able to envision themselves living in your residence, which is difficult to do if they see your pictures and other personal items lying around.

#5 Stage your home

Home staging is the process of restyling and refurnishing your property to boost its attractiveness in the eyes of potential buyers.

More often than not, the furniture and other things that you’ve accumulated through the years show off your personality. However, as mentioned above, you should depersonalize your space to let the new potential owners imagine themselves living there, which might mean changing up the position of furniture and even replacing some of it with items that have a more unified design.

Tips to keep in mind before selling your property

1. Partner with an investment property buyer 

Remember that sellers have the financial responsibility to pay closing costs such as state and property tax, and real estate agent professional fees. By partnering with an investment property buyer, you can sell your home for a non-deducted or full cash offer. 

2. Avoid common home selling mistakes 

Sellers usually make the following mistakes when selling their homes: 

  • Getting overly emotional: Of course, your lovely home is now for sale, and it’s okay to feel bad about it. However, don’t let your emotion ruin your selling tactics. Just imagine how motivated and excited you were when you first saw your dream home, and your potential buyers might also feel the same. Staging your home or changing its appearance can create an emotional distance since the house looks less personal. 
  • Not hiring a real estate agent: While you want to avoid paying an agent commission, hiring a real estate agent is the best way to get the best deal for your home’s value. An experienced real estate agent will prioritize your best interests and make sure that your house will have a competitive selling price. 
  • Poor listing photos: Good listing photos will draw potential buyers to check your house for sale. Take clear and crisp photos with plenty of natural light to show your home’s true beauty using a wide-angle lens. Hiring an experienced and professional photographer is a good idea to highlight the best features of your home and also get expert advice on how to stage the rooms for better viewing. If you’re working with an agent, this is something they can coordinate for better results, especially since they probably already work with professional photographers that specialize in listing photos (and can include drone shots of your home).

3. Set the right price

It’s tempting to set a high price ceiling for your home. After all, it’s the fruit of years of hard work. However, you have to consider the price point of houses in your area, the features your house offers, and its strengths and weaknesses. If you want your house to sell fast, set a competitive price for your home, instead of a higher price that potential buyers can negotiate. Remember that price is one of the key criteria home buyers use when searching for listing online, and if your home is out of their budget, they won’t even get a chance to considerate it.

Final thoughts

You can sell your home fast by working with a professional realtor who can guide you throughout this journey. Enhancing the curb appeal of your house, improving the front door area, decluttering, depersonalizing, and staging your residence are just some of the ways to help you get your property listing off the market quickly, but covering these crucial aspects of your home sale will make the process go smoother and will likely result in a faster sale.

More tips for your fancy home

Hearing Colors? Here’s What Colors to Choose in Your Home Based on Your Taste in Music
These are ‘Queer Eye’ Bobby Berk’s Top 6 Choices for Wall Décor
10 of the Most Stylish Minimalist Wall Clocks You Can Buy on Amazon
6 Smart Home Devices to Keep Your Pets Safe, Well Fed and Entertained While You’re Away

Source: fancypantshomes.com

Apache is functioning normally

Do you have piles of papers lurking on your desk? Mountains of laundry looming beside your bed? Shelves double-stacked with knick-knacks? I have a bit of a clutter problem myself. The other day, I spent an hour looking for the vacuum cleaner, which eventually turned up buried under a pile of laundry almost as tall as I am.

All that clutter isn’t just annoying. It’s expensive. That’s right: Excess Stuff can keep costing you money even after it’s been bought and paid for.

How expensive is your Stuff? Professional organizer Jen Hunter of Find Your Floor in Boston says clutter can cost us real money in a lot of ways:

  • Buying replacement Stuff: Somewhere in your closet is that pair of running shoes you bought last year. Probably next to the ones you bought the spring before that. Clutter costs us dollars and time when we have to buy duplicates of stuff we know we own but just can’t find.
  • Damage to your Stuff: When you have more Stuff than space, storage can become a problem. Things can get stepped on, stored improperly and broken, water-damaged or just so buried they can’t be retrieved when needed.
  • Missing deadlines: When your Stuff is disorganized, you wind up paying hundreds of dollars a year in bank fees, late charges, library fines, overdue fees and tax penalties. Trust me on this one. I speak from years of painful experience.
  • Renting storage space: Almost 10% of U.S. families rent storage space for belongings that don’t fit in their homes. That’s a lot of dollars going to serve your Stuff instead of your life. Even those that don’t rent space may choose larger homes than they need so that they can store more Stuff.
  • Health costs: Out of control clutter can pose health risks from falling, and encourage the growth of allergens like dust and mold. Treatments for those can get expensive. Clutter can also affect your mental health. Writer Ariel Gore saw a therapist until she realized that what she really wanted was a clean home. So she hired a housekeeper for less than she paid the therapist and lived happily ever after.

To Hunter, the biggest cost is an intangible. “It’s the impediment that it presents to people’s lives,” she says.

Stacy J. Kaplan of Clutter Away in San Diego agrees. “You can’t function at your optimum level if you’re disorganized,” Kaplan says. “You wouldn’t run a business without a business plan. If you’re not organized your business will fail. A house is a small business in a way. It’s the operating structure behind what your family is doing.”

Clutter stops us from working as effectively as we otherwise might. At its most basic level, time spent looking for your car keys is time you’re not spending working, playing or relaxing.

It also costs us time because all that Stuff demands attention. While clutter might be a sign of neglect, it requires us to spend time working around it to accomplish basic household tasks like paying bills or preparing a meal. Those extra hours of housework are a drain on time and energy that could go into creative side projects, education or any number of other productive pursuits.

We can become prisoners of our Stuff. J.D. has written a lot here about how Stuff ties up our money. We can inadvertently tie up a lot of our earnings in rarely used sports equipment, video games, and other pricey toys. Selling that unused Stuff frees up not only your cash but your energy. When there’s too much Stuff around you, you’re like a plant in a too-small pot. It’s hard to grow or thrive when hemmed in by clutter.

Of course, the answer isn’t to move to a bigger place. There are families who live happily in 100-square-foot apartments. They just have less Stuff than we do.

The solution is to put your space on a diet. Some basic steps to get started:

  • Consider adopting The Compact, an agreement to buy nothing new for one year. This should cut the flow of Stuff coming in down to a trickle.
  • To deal with the Stuff you have, go through one small area at a time. Don’t try to do the whole house at once. Choose a room, a closet, a desk, or even just a kitchen drawer.
  • A good rule of thumb: Get rid of anything you don’t use or love.

A habit of clutter can be hard to give up. If you’re used to having a lot of Stuff around you, a pared-down space can feel too spare and empty. Before you rush to fill that void, try sitting with it for awhile and really setting an intention for you want to replace your clutter with. It might be original art, new bookcases, workshop space or just more breathing room.

Whatever you choose to do with your space, you can use the same techniques you used to clear it to keep it clean. Don’t keep Stuff you don’t use or need. Don’t buy Stuff you don’t want or need. Spend a little time each day keeping your space organized.

Here are the top three clutter-busting tips from GRS Twitter followers:

  • “Throw clutter in bags, put them in the attic. As you need something, take it from the bag. After 6mo, donate bags.” — @jacobmlee
  • “For clutter: I’m using @gretchenrubin‘s rules: Make your bed and the 1-min rule: if you can do it in 1 min, do it now!” — @jc_losangeles
  • “My fave declutter advice: Spend 15 Mins a day!” — @BudgetsAreSexy

I know we just talked about Stuff last week, but how do you combat clutter? What tips and tricks can you share with readers?

Source: getrichslowly.org

Apache is functioning normally

Without a doubt, the outdoors is coming alive. Now to bring all that freshness inside.

Here are a few ideas for easy, budget-friendly touches around your home that will make it feel like spring has truly sprung.

A pretty spring wreath. Now’s the time to put up a welcoming and flower-festooned wreath to let guests and neighbors know that, yes, you do indeed know what time of year it is. In the interest of reducing waste and saving money every spring, I recommend buying a high-quality faux (but realistic-looking) fabric version that you should plan on using again and again for the next five years or so. For that functionality, I like designs such as Monique Lhuillier’s Faux Lemon Wreath & Garland ($126 on potterybarn.com), which looks completely real and  brightens up any entryway.

Bring the outside in. While I absolutely love having fresh blooms around my house, it can get expensive and a little annoying to have to constantly replace flowers after they die. Here’s something that lasts a lot longer but has the same net effect: spring branches. Buy some or get them from your yard — a bundle of branches from trees like forsythia and quince just need a few days in water indoors to start blooming. And they last up to a month if you change the water every week.

Swap out the placemats. You don’t need to go buy a while new set of serveware; just change the background for a brand new look. I prefer placemats to tablecloths because they’re modular and if you spill on one, there’s far less to wash or clean up. Also, since they cover less space, you can take a few more risks with wild patterns that make a statement. Consider something like the Citrus Garden Placemats by Matouk ($108 on bloomingdales.com), which makes a big, bright impression through the meal. Or get a little mod at the kitchen table with the Mirimo Florapop Spring Placemats by Deny Designs ($50-$75 on target.com). I love their fun, casual whimsy.

Brighten up the bed. Lighten up your nights with a new, thinner, lightweight duvet, and then cover it with something that freshens up your entire bedroom. Go for something sweet and lovely like the Spring Party Duvet Cover ($211 on annieselke.com) — with a bevy of little blooms dancing across it. Or go a little bolder with the hot pink-and cherry red Unikko Duvet Cover & Sham Set by Marimekko ($129.99-$179.99 on nordstrom.com).

Add more natural light. One of the smartest and simplest ways to add more natural light is to capture light near a window and reflect it. By adding a medium- or large-sized mirror to an entryway, for example, you’re creating different points of light and all kinds of new dimensions. And I love choosing mirrors that are themselves a work of art — like vintage-y, 1920s-inspired Daughtrey Modern & Contemporary Accent Mirror ($133 on wayfair.com), or big-drama shapes like the Elinor Rattan Wall Mirror ($229 on westelm.com).

Bring on the bright sofa pillows. There’s no need to buy the whole shebang, in many cases you can just purchase the pillowcase to refresh the look. That’s the case with the Palm Pillow Cover (on sale for $39.99 on serenaandlily.com) in a warm sunflower hue. Or double down on the natural vibe with a softly colored design like the Ivory Coral Whimsy Embroidered Pillow Cover ($89 on garnethill.com). Added to your sofa or favorite chair. It’s as good as instant sunshine.

The season blooms on your dining table with Citrus Garden Placemats by Matouk. (Photo bloomingdales.com).

Source: bostonherald.com

Apache is functioning normally

Chairs are essential pieces of furniture that can define the style of a room while serving a practical purpose. Wooden chairs, in particular, have been a popular choice for their durability, natural beauty, and versatility. Whether you’re looking for a classic design or a modern twist, wooden chairs offer a perfect blend of form and function.
From simple designs to ornate carvings, wooden chairs come in a variety of styles to suit any taste. They can be finished in a variety of colors and stains to match any decor, from the warm and rustic look of natural wood to the sleek and modern look of black or white finishes.
Whether you’re looking to add some classic charm to your home or want a modern twist on a traditional design, wooden chairs offer a perfect blend of form and function. In this article, we’ll take a closer look at some of the top wooden chairs on the market, highlighting their unique features and benefits to help you find the perfect one for your home.

Varsha Furniture Solid Sheesham Wood Dining Chair

The Varsha dining chair is where modern design meets comfort. With a beautifully patterned backrest and sleekly organized legs, this chair is the perfect addition to your dining room. Made with Sheesham wood, it ensures longevity and durability. The upholstered seat provides ultimate comfort, making it perfect for long hours of sitting. Available in honey and walnut finishes, the slatted design gives it a magnificent look that is both enrapturing and pleasing. The Varsha dining chair provides luxury at an affordable price and is entirely made of premium rosewood. It is resistant to big blows and is the perfect match if comfort is your concern. Choose the Varsha dining chair and experience the perfect blend of modern design and comfort.

RAJ HANDICRAFT Solid Wood Arm Chair

Your office area will look great with the Raj Handicrafts Office Arm Chair. This chair’s premium Sheesham wood construction ensures maximum comfort and sturdiness. With armrests and a cushioned seat, the sleek and elegant design is ideal for prolonged periods of sitting. Its dark brown finish gives it a timeless appearance that goes well with any decor. The Raj Handicrafts Office Arm Chair is the ideal balance of design and comfort, whether you’re working from home or in your office. Today, upgrade your workspace with this chair of exceptional quality!

Shilpi Handicrafts Wooden Hand Carved Royal Look Chair with Armrest

The Shilpi Handicrafts Wooden Carved Armrest Chair is a beautifully designed piece that will add elegance and style to any space. Made from high-quality Sheesham wood, this chair is crafted by skilled artisans and features intricate carvings on the backrest and armrests, adding a touch of traditional charm to the modern design. The curved backrest and armrests provide ultimate comfort, making it perfect for long hours of sitting. The rich brown finish adds a warm and inviting feel to any room, making it a perfect fit for any decor. Whether you use it in your living room or as a statement piece in your bedroom, the Shilpi Handicrafts Wooden Carved Armrest Chair is the perfect blend of form and function. Upgrade your home decor with this exquisite chair today!

WOODLAB Furniture Sheesham Wood Armchairs

The Woodlab Dining Chair offers the ideal fusion of sturdiness and design. This chair is made from premium genuine Sheesham wood and is built to last for a very long time. Its wear resistance is increased by the polished top, which guarantees that it will last for many years as a mainstay in your home. It stands out in any room thanks to its svelte and admirable design, which is both beautiful and admirable. This chair has a smooth surface with no rough edges or spots, giving it a seductive and chic appearance. It is a versatile addition to any area because of its exquisite and vintage design, which goes with any interior theme.

Ganpati Arts Sheesham Wood Oval Study Dining Chair

Elevate your dining experience with the Ganpati Arts Dining Chair. Made from premium solid Sheesham wood, this chair is both stylish and durable. The Accentuate Stiff Dining Chair is the perfect addition to fulfill your needs and requirements while providing a gracious living style. The wood is highly chemically tested, ensuring reliability and durability while expressing the wood grains. Plus, there’s no assembly required; this solid wood dining chair is delivered in a pre-assembled state, making it convenient and hassle-free.

Urbancart® Relax Bamboo Wooden Chair

Bring a touch of nature to your home with the Urbancart® Bamboo Wooden Chair. Made from premium-quality bamboo wood, this chair is designed for both indoor and outdoor use. Its sleek and modern design adds a touch of elegance to any space, while its sturdy construction provides reliable support. The chair is lightweight and easy to move around, making it perfect for outdoor gatherings or indoor parties. Its simple yet stylish design is perfect for those who appreciate minimalist aesthetics. With its comfortable seating and unique bamboo finish, this chair is sure to become your favorite spot to relax and unwind.

Medieval Arts Stelley Chair

The Medieval Arts Stelley Chair is a stunning piece of furniture made of premium-quality rosewood. With a beautifully carved backrest and armrest, this chair adds an elegant touch to any space. The chair’s sturdy construction and ergonomic design provide comfort and support for extended sitting periods, making it an ideal choice for the home or office. The natural wood grains and finish giving the chair a timeless look that complements any decor. The chair is delivered fully assembled, making it easy to incorporate into your space.

Urbane Crafts Handmade Wooden Rocking Chair

Experience ultimate relaxation with this handmade Sheesham Wood Rocking Chair. Crafted by skilled artisans, the natural brown color and melamine polish finish highlight the intricate design of the chair. The inclined back support provides excellent balance and comfort to the spine, reducing any pain in the back. Enjoy the soothing back-and-forth motion that lets you lose yourself and relax for a while. The chair’s periodic swaying rejuvenates your mind and body and provides a comfortable experience. Whether you want to enjoy a good book or sip your coffee, this rocking chair is the perfect addition to your living room, bedroom, or outdoor space.

  1. What are wooden chairs made of?
    Wooden chairs are made of various types of wood, including sheesham, rosewood, bamboo, and teak.
  2. Are wooden chairs comfortable?
    Yes, wooden chairs can be very comfortable, especially those with ergonomic designs and cushioned seats.
  3. How do I clean wooden chairs?
    Wooden chairs can be cleaned with a soft cloth, mild soap, and water. It is important to avoid harsh chemicals and abrasive materials that can damage the wood.

Times of India’s journalists were not involved in the production of this article. The product prices mentioned in the article are subject to change with offers given by Amazon

Source: m.timesofindia.com

Apache is functioning normally

Home Warranty of America prioritizes environmentally friendly solutions and provide coverage for every home, individual, and state.

While Home Warranty of America is headquartered in Illinois, the company provides coverage for all fifty states in the US.

They have more than 20 years of experience with delivering affordable coverage solutions to homeowners with great energy efficient upgrade options.

Home Warranty of America Overview

Home Warranty of America started in 1996 and is now one of the leading providers of home warranties.

Below is a review of their coverage, plans, pros and cons, to help you make an informed decision.

Coverage Features

Home Warranty of America provides comprehensive coverage for all of your home repair needs, putting them among our top picks for home warranties.

If you encounter problems with anything covered under your home warranty, they’ll send someone out to help right away. Some of the common coverages they offer are listed below.

Ductwork

Your ductwork circulates hot and cold air throughout your house. It keeps you warm in the winter and cool in the summer.

Without it, your house would feel stuffy with stale air.

If something is wrong with your ductwork, you can file a claim with Home Warranty of America to have it inspected and fixed so you can get back to your normal life.

Water Heater

When it comes to doing dishes or taking a bath, you need hot water. Your water heater provides your home with the water you need to go about daily living.

When your water heater is on the fritz, Home Warranty of America can send someone out to inspect and fix it quickly so you can go back to showering every day.

Electrical System

Whether you like to make a light breakfast every morning in your toaster or read with a lamp by your bed at night, you need electricity.

Electricity flows through your electrical system just like air flows through your ducts.

You need it every day to enjoy most of your home’s features. When the lights go out, Home Warranty of America will be there to turn them back on.

Doorbells, Burglar Alarms, and Fire Alarms

One unique coverage feature from Home Warranty of America is doorbell, burglar alarm, and fire alarm options.

Most home warranty providers don’t cover these systems, but Home Warranty of America does.

For your safety and the safety of your home, this coverage goes above and beyond other home warranty solutions.

Home Appliances

Your home appliances do all sorts of things for you. Your refrigerator keeps your food cold, your microwave heats up leftovers, and your dishwasher gets everything clean when you’re done.

Other covered appliances include your garbage disposal, range, cooktop, oven, and trash compactor.

To make life easier for you, Home Warranty of America covers all these items.

Warranty Plans

Home Warranty of America provides comprehensive plans at low prices so you can have the peace of mind you need.

Their choice of $75 or $100 service fee saves you money over hiring your own contractor to diagnose and fix the issue outside of a home warranty plan. Pricing varies by state.

Premier Plan

 The Premier Plan includes coverage for the following:

  • heating system and furnace
  • ductwork
  • plumbing system and stoppage
  • toilet
  • permanent sump pump
  • water heater including tankless water heaters
  • instant hot water dispenser
  • whirlpool bathtub
  • electrical system
  • ceiling fans and exhaust fans
  • doorbells, burglar alarms, fire alarms
  • central vacuum
  • dishwasher and garbage disposal
  • built-in microwave, range, cooktop, and oven
  • trash compactor, garage door system, kitchen refrigerator with ice maker, and clothes washer and dryer.

Premier Plus Plan

 The Premier Plus Plan includes everything in the Premier Plan, plus the following:

  • air conditioning system
  • increased toilet replacement
  • plumbing fixtures
  • faucets
  • showerheads

The Good

Home Warranty of America not only provides excellent coverage options, but they have several additional benefits that customers will enjoy if they sign up.

Nationwide Coverage

With a name like Home Warranty of America, you would expect them to cover every state in the US, and they do. They even cover the District of Columbia.

Anyone in the United States can rest assured that as long as they find a plan and pricing they like, they’ll qualify for coverage.

Easy Quotes

While price varies based on state, it’s easy to find, and they provide an easy-to-read format for anyone interested in a home warranty plan.

They offer coverage for homeowners, real estate professionals, buyers, and sellers. You’ll see a list of your covered services and your payment options so you can make an educated decision.

Online Tips

Home Warranty of America offers an extensive list of home maintenance tips as well as information about home warranties and how they work.

This provides a great benefit for any homeowner who might want to troubleshoot the problem themselves before paying the service fee. For a do-it-yourself approach to home ownership, Home Warranty of America can help.

GreenPlus

Home Warranty of America provides GreenPlus to customers who choose to add it to their plan.

It can help cover the cost of appliances that should be replaced with Energy Star appliances including refrigerators, dishwashers, washing machines, and more.

Home Warranty of America’s membership with the Ethical Directory and United States Green Products makes this benefit possible.

Online Claims

Home Warranty of America makes it easy to submit a claim anytime. Their easy online claims section allows you to request a repair or replacement whenever it’s convenient for you.

Just fill out the form and send it for review, and you’ll be met with a quick response from the company.

No Inspections

No matter what your house looks like, how big it is, or the age, you will qualify for coverage with Home Warranty of America.

They won’t require an inspection to cover your home or the appliances within, so you get the peace of mind you need when buying a home or trying to protect your home from normal wear and tear.

The Bad

As with any company, there are some downsides to what Home Warranty of America offers.

Customer Service

They don’t have great customer service options. The only way to submit a claim is online, so while it’s easy to do, some customers may feel that the lack of a mobile option prevents it from being convenient.

When contacting customer service, you have live chat, phone, and email options, which seems fine until you realize that it’s not 24 hours a day like some other providers offer. However, when they are available, it’s easy to hop on a chat session when you need help.

Contractual Obligation

Home Warranty of America requires that all customers sign a one-year contract. Other providers will let you go quarterly or even month-to-month.

With Home Warranty of America, you’re locked in for a year whether you like the services or not.

If you don’t want to sign a long-term contract, it’s not a great option for you.

Alternatives to Home Warranty of America

As you shop for the perfect home warranty company, take a look at some of Home Warranty of America’s top alternatives.

Ads by Money. We may be compensated if you click this ad.Ad

The Bottom Line

Home Warranty of America provides extensive warranty plans with add-on options to help you customize your offering.

The prices are low, but they do require you to sign a one-year contract. Their GreenPlus plan is an excellent choice for the economically-minded individual and a fantastic way to get a discount on new appliances.

If you’re in the market for a home warranty, Home Warranty of America is available to all individuals in all fifty states including the District of Columbia.

They also have options for real estate professionals, buyers, sellers, and existing homeowners.

Source: goodfinancialcents.com

Apache is functioning normally

The coastal grandmother trend made a big splash last summer, and it’s back this sunny season as beaches begin to open and winter layers continue to shed. If you’re looking to refresh your home decor with chic and relaxed beach vibes, keep reading because there are lots of shopper-loved options at a great price at Amazon.


If you’re channeling a beach cottage look at home, these elegant and calming picks from Amazon’s new Shop By Interest hub are sure to help. The section is filled with coastal decor finds that are popular among reviewers and influencers alike, making the section the place to bring your beach house dreams to life. Give your kitchen, living room, and bedroom a warm-weather revamp with popular options such as sea glass vases, seashell-lined dishware, and nautical-themed lamps—starting at $18. 



Coastal Home Decor Finds at Amazon

  • Jonathan Y Contemporary Pop Area Rug, $47 (was $88) 
  • Pfaltzgraff Venice 16-Piece Stoneware Dinnerware Set, $64
  • Tayis Blue Throw Pillow Covers Set, $28
  • Sorbus Floating Shelves, $37
  • Deco 79 Recycled Glass Spanish Vase, $26 (was $29) 
  • Convenience Concepts Oxford End Table, $67 
  • Wv Ivory Decorative Tray, $43
  • Elegant Designs Coastal Sea Glass Table Lamp, $35 (was $80)
  • Ryb Home White Sheer Curtains, $18 with coupon (was $22)
  • Dii Cotton Basket Weave Throw Blanket, $23




A rug can bring any room together while adding its own personality. It is why this contemporary area rug with blue and cream hues is the perfect piece for your beach home’s floor. The subtle pop of color offered by this 6-foot rug stays true to the coastal theme while adding a layer of comfort to your entryway, bedroom or living room. The durable material is made of a low-pile carpeting that is water and stain resistant, making it great for big families or pet owners. And the best part? It’s currently 47 percent off bringing the price down to $46. 


Amazon



To buy: $47 (was $88); amazon.com.


This aqua and white seashell-themed stoneware set is the perfect coastal addition to your kitchen. The dishware set comes with 16 pieces, including four sets of dinner and salad plates, bowls, and mugs. The dishes make beautiful table settings and are great for hosting company. Plus, they’re dishwasher and microwave safe so you can reheat food and clean up with ease. Many shoppers love how well the set matches their coastal-themed homes, and one shopper even wrote they’re a “fun and whimsical way to entertain at the beach.”


Amazon



To buy: $64; amazon.com.


Throw pillow covers are a simple way to spruce up your home in a matter of minutes. This set of four cushion cases are a great way to add a touch of ocean blue to your bedroom or living room. Just easily slide the cover over your desired pillow and zip to close. The result?  A subtle and colorful addition to your bed, chair, or couch. Each case is a different shade of blue, ranging from light to dark, but there are 19 other color options as well as four different sizes to choose from. 


Amazon



To buy: $28; amazon.com.


A coastal house wouldn’t be complete without beach-themed accessories and nautical decor throughout, but finding a place for everything can be tricky. These nifty floating shelves are a space-saving hack that also utilize unused wall space. The wooden neutral shelves are ideal for storing books, vases, candles, or prints—really any of your favorite home decor items. You can easily install them in your bathroom, hallway, or living room for an instant, elevated look. 


To buy: $37; amazon.com.


Interested in even more influencer and customer-loved coastal decor finds? Keep scrolling through for more stylish picks from Amazon’s new home section under $70. 


Amazon




IMAGE: deco-glass-handmade-spanish-vase-e091d82eea614213b99a86c26f4f3bbc.jpg


To buy: $26 (was $29); amazon.com.


Amazon



To buy: $67; amazon.com. 


Amazon



To buy: $43; amazon.com.


Amazon



To buy: $35 (was $80); amazon.com.


Amazon



To buy: $18 with coupon (was $22); amazon.com.


Amazon



To buy:  $23; amazon.com.


Amazon



To buy: $36; amazon.com.


Amazon



To buy: $39 (was $44); amazon.com.

Source: realsimple.com