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Apache is functioning normally

Everything leading up to a move is so hectic. It’s all logistics and timing and coordinating, but this time, you decided to make it easier on yourself and hire movers to pack up your apartment. It’s a huge time saver, but it also means that, suddenly, you don’t have as much to do.

Instead of standing around awkwardly on moving day, ask yourself what can you do while movers are packing.

Do movers really pack your stuff?

It’s true, you can find someone out there to do almost anything for you. There are home chefs that come in and cook, cleaning teams that keep your apartment sparkling and yes, when it’s time to move, there are movers who will pack everything up for you.

Almost all full-service moving companies will not only wrap and secure your furniture but will box up all your stuff before they load it onto the moving truck. Then, they’ll unload it all at your new home. Some you may even pay to unpack for you.

But, this packing up your stuff is an extra service, with an extra cost. It can save you the hassle, but you end up with people in your home, touching all your stuff. Before you decide on hiring movers to pack, make sure to weigh the pros and cons.

How does it impact cost?

Hiring movers to pack your stuff brings on a whole separate charge from your moving costs. Those charges include the time it takes to load and unload the truck, as well as transportation of your stuff to your new home. The amount of stuff you’re moving, as well as whether there are stairs or an elevator to traverse, also play into these specific costs.

Your packing cost will usually fall under an hourly rate that’s separate. Your total cost is directly related to how much stuff you have rather than the size of your apartment. So, if you’re someone who likes to collect and display anything in particular, or has spent time fully stocking your kitchen with every gadget and serving piece out there, you may want to pack yourself.

The hourly rate can also vary by day, most likely more expensive on the weekends. If that’s the case, even if you can’t schedule your move until Saturday or Sunday, you may want to try and book packing a day or two before.

Do you help movers while they pack?

Although you don’t need to help movers pack when your move is in progress, there are certain items you should pack yourself beforehand. These include anything sentimental or valuable to you. They may not look important to a mover, so by packing them yourself, you’re ensuring the item(s) gets handled with care.

Other items movers won’t pack simply for safety reasons include:

  • Items of value like cash or jewelry
  • Personal items like prescription medications
  • Chemicals
  • Live plants
  • Live animals
  • Live ammunition
  • Weapons
  • Equipment weighing over 600 pounds

Movers also most likely won’t touch anything that shows signs of insect infestation or mold or appear soiled by bodily fluids, human and animal alike. This means if you happened to have had bed bugs and your mattress took a pretty big hit, even if they’re gone, movers won’t touch it (and you should throw it out anyway). Likewise, if you’re trying to move a dog bed that has been well-loved by your pup, and looks it, movers may suggest you transport it on your own with your pet.

Getting ready for movers to pack

Hiring movers to pack doesn’t mean you simply leave your apartment exactly how it always is and let them wade through everything. There are certain things you should do to prepare for your packers to arrive.

The biggest thing is to clean out your home. Moving is a great time to declutter. Donate what you can and dispose of any broken items in every room of your home. This goes beyond cleaning out your closet. Now is also the time to pass on those extra coffee mugs you never use or that duplicate serving platter that’s just taking up space.

As you’re decluttering, you should also consider doing a little light cleaning. It’s especially a good idea to dust so movers aren’t getting having to pack dirty items.

The day your packers arrive, get your apartment ready for them by opening all closets, cabinets and drawers so it’s easy to see the total amount of stuff that needs to get boxed. If you’ve already gotten any moving supplies, like free boxes or packing paper, set that out for your packers to use, as well.

What do you do while movers are packing?

It’s an awkward time, watching other people pack up your stuff. You can’t leave your home, but you don’t want to hover, especially if they’re doing a good job. Instead of wasting this idle time so close to your moving day, you can stay busy without getting in the way.

1. Pack up your essentials

Take a page out of your packers’ notebook and do a little packing yourself. Leave the items for the moving truck to the professionals, but you can use this time to pack up what you’ll carry with you while you move. Call it your essentials box or essentials suitcase, and include a few changes of clothes, important papers, jewelry, electronic devices and chargers. Basically, anything you’ll need during and after your move, as well as anything you don’t want to lose sight of at any point.

Pull everything for this essentials box the day before the movers come and set it aside, then, when the packers begin their work, you start, too. Once you finish packing up your box, consider putting it in your car for the day or set it in an empty closet and close the door. You can put a “do not open, do not pack” sign on the door so the packers stay out.

2. Start the final clean

Not all rooms will be completely empty once they’re packed up, but you’ll certainly have more access to space. Working around your movers, so you’re never all in the same room, see if you can get any last-minute cleaning done. Vacuum carpets, sweep floors, dust and wipe down surfaces. This is a great time to tackle a final spot clean of the bathroom for sure.

3. Gather refreshments

Packing is hard work, even when there’s a whole team doing it. Plan ahead and chill some bottles of water in your fridge. While you’re out getting a few packing supplies, grab a few boxes of granola bars or something else that’s easy to eat for your movers as well. A little ways into the packing, set up a refreshment station and invite your packers to help themselves.

4. Do a dummy sweep

Even the most organized people miss things from time to time when packing. It happens in hotel rooms often, so it’s possible it can happen in your home. Once your packers have finished a room and left it, take a few minutes to do a dummy sweep. Check shelves, drawers, under furniture and anywhere else in the room where something might have slipped through the cracks. If you find anything, make sure it gets into a box in another room, but don’t make a big deal about it. Again, this stuff happens to all of us.

5. Be available

Not everything is obvious to a stranger working in your home for the first time. Your packers may have questions, and everything flows much more smoothly when you’re available with answers. To minimize confusion, though, do a brief walkthrough of your home so your packers understand what needs to get done. Point out what bathroom they should use and make sure it’s stocked with toilet paper, hand soap and a hand towel. Throughout the day, if they need to ask you about packing an item, or anything related to the job, be available, responsive and courteous.

6. Stay at home

Even after you’ve done all these other things to keep busy, and movers are still packing up your home, you must stay put. Find a corner and scroll through Instagram or check your emails, you can even read a book or pop earbuds in and watch a show. Whatever you do, you need to remain at home and never leave your packers alone.

What you should never do while movers are packing

Even though you may feel tempted to micro-manage, don’t tell your movers how to pack. If you’ve done the right research, your packers are professionals, and they know how to make sure fragile items are properly padded and boxes are efficiently labeled. Let them do their job without interruption. Slowing them down by second-guessing their work will only increase the cost to you.

Better yet, if you know the people packing your home will be the same as those moving your stuff, be extra nice to them. You’re going to work together for a while, possibly over multiple days. Tip well and make sure they have a comfortable and safe environment to work in. This may mean running the AC or heat a little harder and doing a little clearing of the floors to keep plenty of space available.

Just as troublesome to packers as an adult who hovers are kids and pets who can’t stay away. For everyone’s safety and to keep the packing moving forward, both kids and pets should stay in a separate space during this time. It’s less stressful for them, too. If you can’t board your pet or drop your kids at a friend’s or family member’s house, place them, and everything they’ll need to feel comfortable, in a room with a door that you keep closed.

Getting everything packed and ready

No matter how you pack up your stuff, whether you do it yourself or hire professionals, getting a home ready to move is a big job that starts way before you begin to fill that first box. Make sure you start planning well in advance, keep track of everything you’ve scheduled and maintain a hefty to-do list so as not to forget anything. Even with movers packing your stuff, there’s still plenty to keep you busy leading up to moving day.

Source: rent.com

Apache is functioning normally

There are many lies that we’ve come to believe since we were young. Whether we inferred them from our circumstances, or they were touted as true in a classroom or online, it’s easy to hold these misconceptions if they’re not being challenged. And while some lies seem to do us no harm, we should still investigate to find the truth wherever we can. Do you know any lies that you used to think are true? Well, here are some other stupid lies that the world needs to stop believing.

1. Farmers Cause Inflation

Photo Credit: Shutterstock.

It might be believable that farmers are causing inflation, but that’s just not the case. Farmers are often subsidized by the government; all they’re doing is trying to keep their farms afloat, and produce the food that America eats. Inflation is much more affected by the government itself, as it pumps new money into the economy trying to help struggling families, but only driving up the prices we all have to contend with. So, thank a farmer, and vote carefully!

2. The Food Pyramid is Healthy

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The food pyramid was initially introduced as a way of fending off starvation. In a place where food is scarce, grains are the easiest to preserve and the fastest source of energy. Fruits and veggies are next easiest to save, and meat is quite volatile unless it’s frozen or smoked, etc. But after it was developed, the US adopted it as a dietary guideline to help eat up all the grains that were being produced in America. Since then, our whole way of eating has shifted around the food pyramid. Now it’s time to shift it back! Veggies and fruits should be at the base, with proteins and complex carbohydrates next, healthy fats should be after that, and sweets still at the very top. Now you know!

3. You Can’t be Both Emotional and Logical

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A lot of people underestimate the role of our emotions in our decision-making ability. If we don’t value or feel emotional about anything, then our decisions are going to be pretty cold and maybe even cruel. Yes, it’s best not to make major decisions while you’re overwhelmed with feelings, but emotions are also major indicators of the ways that events in our lives are affecting us. When we express emotions well, we can work through them to make very logical conclusions, and even more, if we use our emotions as signals to let us know when something is right or wrong in our circumstances, we can act very logically to change what’s happening. So you can enjoy your emotions and your logical thinking all at once!

4. Company Loyalty to Employees

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Companies like to say they’ll reward hard work and team involvement, but really the best most of us get is casual Fridays, or the occasional pizza party. There are some good companies out there, but they’re few and far between. Most corporations, especially the large ones, just treat employees as completely replaceable parts to an overworked machine. It’s great to work hard for a promotion or special recognition, but we also advocate for work-life balance, and don’t really recommend giving extra hours of your day to a company that doesn’t appreciate you.

5. Pharmaceutical Companies are Trying to Help

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One commenter said, “Well, they try to help us, when it benefits them. Dead people don’t have prescriptions, so obviously they want to keep people alive so they can continue to rip them off. As soon as the costs of saving them outweigh the potential profits, they [stop caring].”

Another user added, “The government and university run labs that have scientists who do rigorous research and create life saving medications are trying to help us. The pharmaceutical companies that snatch up their technology are leeches on society.”

6. Mental Illness Isn’t Real

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One person said, “Yup there’s a whole chuck of Christianity that’s like ‘if you just pray hard enough!’ Or ‘it’s a spiritual problem, not a mental health problem.’”

Another commenter said, “‘You should just stop being depressed,’ or ‘You just need to smile more,’ or ‘Just stop worrying about it,’ are the dumbest advice you could give to someone who struggles with their mental health, yet there’s always some idiot there to give you that advice.”

7. You Can Work Your Way to the Top 1%

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“To 20%? Sure… Top 10%? Maybe… Top 1%? It’s going to take a lot of luck, and you probably need to be born on at least second base (but third base is preferred),” one user commented.

Another added, “Are we talking globally or in a certain country? Most Americans can get within the top 1 percent globally with an entry-level job.”

8. We Only Use 10% of Our Brain

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One Redditor said, “This was debunked so long ago, I can’t believe some people still believe it, lol.”

A second person replied, “The people that still believe it only use 10% of their brains.”

Another user added, “I’ve heard it at work a few times in the past few years, and the people saying it are very insistent that they’re right. It’s still a thing.”

9. You Need a College Degree

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“You need a college degree to become successful. The reality is if they go to a trade school such as plumbing, HVAC, etc., that’s where the money is,” one user stated.

“Totally agree there. My husband has absolutely no education beyond high school and is very successful. I have a college degree, and other than helping him with his businesses, I don’t really work,” the second one replied.

10. The Economy Must Grow

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One Reddit user said, “Yeah… it really feels like this weird religion that we’re all supposed to believe in, nevermind how much damage it causes.”

Another person replied, “Exactly. GDP is not a good indicator of human health or happiness in a country, as we run out of natural resources and jam everyone into townhouses they cannot afford while destroying the earth. There are other indicators like HDI, GPI, etc. that we should pay more attention to than GDP.”

11. The Subject of Your Degree Doesn’t Matter

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One user commented, “I wish someone had told me this before I got my BA in anthropology. I spent a decade using bs explanations as to how it was relevant to anything.”

Another person said, “For Boomers, this was kinda-sorta true. But stopped being the case some 40+ years ago,” someone replied.

Source: this Reddit thread.

These are 10 Things That Completely Destroyed The Love in a Relationship

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There’s no question that relationships can be confusing, but here are some of the top things to avoid if you want to keep your relationship healthy!

10 Actors and Actresses People Refuse to Watch Ever Again

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We all have a favorite actor or actress, but most of us have a least-favorite as well. Check out this list of actors and actresses people never want to see performing again!

Top 10 Worst Human Inventions of All Time

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Some inventions are world-changing, and some of them, well, they change the world in the wrong ways. Here are some of the worst inventions Redditors could think of.

10 Famous Celebrities Who Look Like They Smell Terrible

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We’ve all had moments of hygiene faux pas—but these celebrities just look like they don’t take care of themselves at all.

10 Terrible Fads People Are Glad Died Out

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Every fad has its time in the limelight, but some of them come and go faster than others; and some just need to die out right away. Check out this list of fads of which people were happy to see the last.



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Source: financequickfix.com

Apache is functioning normally

Bathrooms serve as integral parts of our daily routine. Whether it comes to your morning shower before work or brushing your teeth before bed, we spend quite a bit of time in this tiled temple. To make the most out of this smaller space, it’s essential to keep things organized. Not only does bathroom organization make the space look better, but it also helps you find what you need quickly while keeping the atmosphere calm and relaxing. We’re breaking down each bathroom area and sharing tips to keep these nooks tidy.

Bathroom organization ideas by area

Depending on the area, there are tips and tricks renters can utilize to organize their space in the most functional way, by zone.

1. Bathtub surround/shower

One of the most common unorganized tendencies of this area is cluttered product bottles. When organizing your bathtub surround or shower area, start by decluttering and removing unnecessary items. Clear out old shampoo bottles and product remnants to create a clean slate.

Consider installing shelving or a showerhead caddy to keep essential items within easy reach while clearing space. It’s helpful to organize these items based on the frequency of use, with everyday essentials placed at eye level or on lower shelves for better accessibility.

2. Sink

Depending on the size of your bathroom, sink counter space can range in surface area. To optimize the organization of your sink counter, utilize storage solutions like trays, bins or surface caddies to categorize and contain frequently used tools or products.

For optimal space and a cleaner aesthetic, keep less frequently used items stored in cabinets or drawers to maximize available space, allowing your sink counter to remain clutter-free.

3. Floor

With the business of everyday life, bathroom floors often take a hit when it comes to the pursuit of cleanliness. Keeping a laundry hamper in the bathroom serves as a unique solution for disposing of dirty towels and pre-shower clothes, preventing them from accumulating on the floor and maintaining a tidy and organized space.

4. Door

While bathroom doors may stay clutter-free naturally, they’re an under-utilized spot to enhance overall bathroom tidiness. Installing over-the-door organizers and hooks to hang towels and robes keep them easily accessible and off the floor.

For bathrooms that lack built-in cabinets, utilize a door-mounted caddy or organizer to create storage for smaller items like toiletries, brushes or hair accessories and tools, further maintaining a neat bathroom environment.

5. Cabinet space

Because cabinet space is private, it tends to fall short of expectations around bathroom organization. An easy fix is drawer dividers or organizers that create compartments within your cabinets, allowing you to store and even categorize items such as toiletries, medications or miscellaneous bathroom supplies.

6. Toilet

There isn’t exactly an ideal place for toilet-related accessories like toilet paper and cleaning supplies. However, utilizing space-saving solutions such as over-the-toilet storage shelving or wall-mounted shelves to keep these items within easy reach while maintaining a neat and organized bathroom environment is a great solution.

You can also add a touch of style in tandem with organization by using decorative baskets or bins to store and conceal toilet paper rolls or cleaning supplies. This hack allows for organization without compromising your unique decorating style.

Bring clarity to bathroom chaos with basic organization ideas

Your surroundings affect your mood, and tidying your bathroom space ensures you start and end your day on the right foot. By applying and investing in effective organization solutions, you can create a serene atmosphere that promotes relaxation and enhances your overall routine. Find your dream apartment and dream bathroom here!

When you buy through links in this article, we may earn an affiliate commission.

Source: apartmentguide.com

Apache is functioning normally

You have your bathroom set up just the way you like it. Maybe it’s full of fun storage hacks, which means you’ve packed it to the gills, or maybe you finally figured out what essentials you need for a minimalist look. Either way, when it’s time to move, it’s time to pack bathroom items alongside everything else.

Packing a bathroom is tricky. You’re dealing with odd-shaped items like hairdryers, open bottles and fragile containers, as well. From the plastic bottles of shampoo and conditioner down to the bath mat, here’s how to pack your bathroom and get ready for a successful move.

Empty out all cabinets and drawers

The easiest way to understand what toiletries you have to pack is to see everything all in one pile. Take all your stuff out of your bathroom cabinets, empty drawers and pull items from the shower or tub. You can lay it all on the floor in the bathroom.

From there, you can assess the number of moving boxes you’ll need, as well as any additional packing materials. Since you’ll deal with liquid hair products, glass bottles and opened plastic bottles, among other items, you’ll need a decent amount of zip-top bags to prevent spills. In addition, to start packing you’ll need packing paper, packing tape and maybe even some bubble wrap.

Don’t forget to purge

Gathering all your toiletries together to pack everything up is also the perfect time to lighten the load by throwing out items that just shouldn’t make the move with you. These include:

  • Nearly empty containers of liquid hair products
  • Half-used bars of soap
  • Unused or broken bathroom appliances like that super-old curling iron
  • Everyday makeup that’s expired or you don’t use anymore
  • Expired medications (which you cannot throw in the trash)
  • Grimy shower curtains or bath mats

You also won’t want to pack cleaning supplies you keep in your bathroom. They’re inexpensive to replace, you’ll need them to clean your current bathroom once you’re all packed and many contain harmful chemicals movers aren’t allowed to transport. Include your toilet brush and plunger in this group, too, since they can contain germs and bacteria from being used that you don’t want to bring into your new home.

Separate your essentials

The next step before actually starting to pack a bathroom is to think about essential toiletries. It’s not uncommon to get so caught up in the moving process that you forget about that first night in your new home. If you pack up everything you’ll need that night in boxes, and it’s separated out all over the place, you’ll never find it all in time to go to bed.

The trick is to think about packing an essentials bag first to keep these items separate so you don’t accidentally pack them. Clothes and important documents belong on your essentials list, but so do certain toiletries.

Think about what toiletries you’d put into an overnight bag if you were going to stay at a friend’s house. These are your bathroom essentials and should, at the very least include:

  • Deodorant
  • Soap
  • Lotion
  • Shampoo
  • Toothbrush and toothpaste
  • Hairbrush

If you wear contacts, make sure you have contact solution and a case (unless you wear dailies). If there are any additional items that go into your morning or evening routine, like eye cream, add that, too.

You also may want to consider creating a small first-aid kit for this essentials bag, as well. Grab some band-aids, painkillers and any allergy meds from your existing supply.

Set all these items aside to either put into a suitcase you carry with you or a small essentials box you clearly label so you know to open it first.

Pack your bathroom correctly

Once all that’s done, it’s time to begin packing. Grab some small sturdy boxes and start by lining each with a few clean towels. Not only will they provide cushioning, but unlike packing paper, they’ll absorb any spills that may happen.

Using small boxes ensures there’s not too much extra space to fill, and the less of that you’ve got, the less risk of stuff tipping over and spilling while within the moving boxes.

Make sure everything is completely dry to avoid the risk of mold and start to pack your bathroom items.

How to pack makeup

There are two ways to go about packing makeup when you’re working your way through the bathroom. If you’re not packing too much makeup, consider getting toiletry bags that have multiple compartments. They’re often waterproof on their own and can keep everything safe and secure. You’ll still want to bag glass containers like those holding foundation, to avoid spills, but putting specialized makeup bags into a box keeps everything much more secure.

The other method is to simply pack the makeup into a small box. You’ll want to arrange it all carefully, in layers, adding packing paper between so nothing can bang into itself. Contain all your makeup brushes and similar soft accessories in a plastic bag, and use plastic wrap as an additional layer of protection for eye shadow containers and similar items.

If you’re worried about pressed powder, you can put a cotton pad between the powder and the lid to prevent crumbling. If you’re packing nail polish, make sure to group it together in sealable plastic bags, force out the excess air and then wrap the entire bag in paper or bubble wrap. You can also get some small cushion foam pouches for all the fragile containers.

How to pack perfume

Perfume is a tricky bathroom staple to pack. It’s definitely one of your fragile bathroom items and belongs in a box with things like porcelain soap dishes and decorative glass containers. However, it also contains a liquid that can spill.

Regardless of what’s in it, wrap fragile items separately either with packing paper or bubble wrap. Empty bottles can just go into the box from there, but perfume bottles should then get put into sealable plastic bags. All fragile items should go together in boxes tightly packed and sealed, clearly labeled as fragile.

How to pack toiletries

When we’re talking toiletries, it’s all about the shampoo bottles, other liquid hair products like gel or mousse, lotions and more. Basically, anything that can spill fits into this category. Assuming everything is in a plastic container, you don’t have to worry about bottles breaking, so your priority is the lid. It needs to stay closed. Aside from making sure it’s on there really tight, you can use plastic wrap to create an additional seal. This is for already opened bottles only. Simply unscrew the lid, place a layer of plastic wrap over the opening and put the lid back on.

All toiletries should get put into plastic bags, where you’ve removed the excess air. They should then get packed into a few moving boxes upright to decrease the spill risk.

If you’re dealing with bottles with a pump on them, try to lock them into place so they can’t depress. If you can’t do that, separate the pump from the bottle and rinse and bag separately. Then, put a regular lid on the bottle or seal it with plastic wrap to prevent spills.

How to pack bathroom appliances

Since a spilled toiletry can damage anything electric, make sure your appliances go into their own moving containers. This means your hair dryer, straightener, curling iron, electric razor and more. Even better, if you can put them back into their original box, and then, box those up, everything is sure to stay safe.

If just putting items directly into the box, consider wrapping each in a towel for protection, and don’t forget to include all the appliance accessories in the box, as well.

How to pack other bathroom items

You’ve covered all the big parts to pack a bathroom successfully, but you’re probably still not done. You’ve most likely got a ton of small hair accessories laying around and a bunch of other stuff you want to get on that moving truck.

Thankfully, most of the leftover stuff is light. That means these bathroom items can go on top of heavier things in other boxes, or just get tossed into a small box on their own.

For hair accessories, toss them all into a plastic bag and put them at the top of any bathroom box. They’re not fragile and don’t need wrapping up or anything.

When it comes to shower curtains, bath mats and any towels you’ve got left over after you pack toiletries, they all make a perfect top layer for heavy boxes with stuff from other rooms.

Don’t forget to include paper products in your bathroom supplies either. Pack up your toilet paper here, too, or combine it with other paper products from the kitchen. Make sure to label this box in a way that you know it has toilet paper in it, though. You’ll want to open it pretty quickly when you get to your new home.

Pack a bathroom right

No matter how many bathrooms you have to pack up, assess how much extra stuff you can get rid of first, then, take care to bag and wrap everything up. You’ll have fewer spills and leaks when it comes time to unpack. This translates to a smoother move for everyone involved, whether you’re going a mile away or moving cross country.

Source: rent.com

Apache is functioning normally

Like many of you, I’m a proponent of quality over quantity. I’d rather buy one good coat that will get me through three seasons and last for years than replace a poorly-made, cheap one every year.

But it’s important to consider that expense is not necessarily an indication of quality. And even when the more expensive item is of higher quality, it might not be the best buy.

The following are five examples that illustrate that the more expensive option isn’t always worth the extra expense.

Kitchen Gear

While researching this post, I happened upon countless articles advising to spend big on a quality chef’s knife. That’s exactly what I was planning to do a couple of years ago, until I read the Cook’s Illustrated review on chef’s knives. (For me, Cook’s Illustrated is the final word in cooking — they’ve never steered me wrong.) They tested brands that varied widely in price, giving the highest rating to a $30 Forschner Fibrox knife, noting that “knives costing four times as much would be hard pressed to match in performance.” I can attest that it’s a good one.

Food writer Mark Bittman says in most restaurant kitchens chefs use an eight-inch, plastic-handle stainless alloy chef’s knife that costs $10 at a restaurant supply store. Bittman also shows readers how they can equip a basic kitchen for $200.

It seems despite the standard advice of “investing” in a chef’s knife, the pros use and recommend the cheaper ones.

Prescriptions

There are a few exceptions to the rule, but in general, generic brand medications are equivalent to their brand-name counterparts. According to the U.S. Food and Drug Administration (FDA), generics can be sold at a substantial discount because generic manufacturers don’t have to pay investment costs to develop the drug. The FDA requires generic drugs to have identical purity, quality, strength, and stability as brand-name medications.

The prescription drug commercials we see on TV would have you believe that their brand-name drug is superior, but the FDA says it isn’t so.

Cameras

Haje Jan Kamps from Photocritic.org on why he wine tasters rated the same wine differently depending on what they thought it cost.

…when tasting the same wine, the participating wine tasters systematically reported superior taste for the wine that came out of the $90 bottle, in contrast to the wine that came from the $10 bottle.

The study suggests that we perceive the quality and likability of a wine relative to its price.

In the article Expensive Wines Doesn’t Always Mean They’re Better, wine critic and author Matt Kramer writes that a more expensive wine is better than a less expensive one to a degree, but not to an extreme degree, and price is determined by many factors:

…there’s no “right price” for a wine. If you can get people to pay a high price, because of quality, public relations, high scores, marketing muscle, or just plain luck, well then, you’ve found the right price. It’s that simple — and that complex.

My favorite wine is Brunello di Montalcino, but it’s expensive and therefore a rare treat. I have to wonder how I’d fare in a blind taste test, though. Is it truly the taste of the wine I enjoy, or the feeling of indulging myself and the memories of the little trattoria in Florence where I had my first glass?

Good News: Consumers Aren’t Morons

Even though consumers may perceive expensive products to be of higher quality, that doesn’t mean we’ll buy. A Cornell study found that although a more expensive product may generate a more favorable view, it doesn’t necessarily mean consumers will buy it.

Cornell behavioral economist Ori Heffetz was surprised by the results, expecting larger effects:

More expensive products might be perceived as more attractive — which could increase demand — but they are also more expensive, which our study showed decreased demand.

In other words, I may think a $1350 jar of moisturizer is superior to a tub of Crisco, but that doesn’t mean I’m blowing the rent on face cream. Score one for consumer sensibility.

What are some more examples of when the expensive product isn’t the best option or the highest quality? What is the cheaper solution that works better?

Source: getrichslowly.org

Apache is functioning normally

While Millennials are delaying or forgoing parenthood at higher rates than previous generations, they’re also leading the way when it comes to adopting pets. During the pandemic, this trend accelerated with 50% of Millennials considering fostering or adopting a pet.

I’m not exempt from the statistics: this past year, I headed down to my local animal shelter and returned home with two senior cats, Annie and Hailey. Annie likes long naps in the sun and Party Mix, and Hailey likes tuna fish and waking me up at six in the morning. At least in my case, there’s a simple reason behind pet ownership: pets can help to make our day to day lives a little bit happier, especially during uncertain times.

What’s Ahead:

Are Millennials adopting pets instead of having children?

Millennials trail behind previous generations when it comes to achieving traditionally “adult” milestones, including purchasing a home, getting married, and having children. According to data from the National Vital Statistics System, in 2019 the general fertility rate in the United States declined to 58.3 births per 1,000 women aged 15 to 44. When Millennials do have children, they tend to be older than first-time parents of previous generations and have fewer children overall.

One statistic where Millenials do lead the way, however, is pet ownership. 27% of Millennials own a pet, and many more have plans to adopt a furry friend in the future. During a time when having children may seem risky or financially out of reach, pet ownership can be a way to approximate the experience of starting a family.

Are Millennials adopting pets at higher rates?

Millennials are adopting pets at a higher rate than previous generations, and they’re also less likely to have children of their own. The causal effects between parenthood and pet ownership aren’t so clear cut, however: many Millennials who adopt pets plan to have babies in the future, with some even considering pets as a trial run for potential children.

In most cases, adopting furry friends isn’t a zero-sum game. Millennials who might not be ready for the financial burden of parenthood may choose to adopt an animal in the meantime, whether they plan to have children in the future or not. They may also view pet ownership as more compatible with other short-term goals, like travel or career advancement.

Thinking about adopting a pet? Here’s what it will cost

Whereas other traditionally adult milestones, like purchasing a home, getting married, and starting a family, can seem frustratingly out of reach, pet ownership is a more affordable and accessible option for many Millennials.

That said, it still comes with a variety of costs and expenses, with an average of $681 for cats and $1,201 for dogs (CNBC) per year. If you’re thinking of adopting a furry friend, you should be sure that you’re in a good financial position to do so.

Are pets cheaper than children?

The short answer is that, yes, pets are much less expensive to raise than children. For young adults who may still be getting their footing financially, adopting a pet is a much lower-cost endeavor than choosing to have a child.

Raising a child can cost tens of thousands of dollars a year for a middle-class family, while caring for an animal may only cost a few hundred. Some of the most significant costs related to raising a child, like increased housing costs and food costs, won’t apply to a pet, since your furry friend doesn’t need their own bedroom and will be perfectly fine eating kibble.

Adoption fees

Adoption fees can vary widely depending on what type of animal you adopt, whether you get them from a breeder or a shelter, and where you live. Purebred dogs can cost hundreds of dollars, while adopting a senior cat from a shelter may cost as little as $25.

Supplies

You’ll need some basic supplies for your pet. If you’re adopting a dog, you’ll need:

  • Dog food and bowls.
  • A leash and harness. 
  • A dog collar to start.
  • A dog crate (depending on the temperament of your new puppy).
  • Training supplies. 

If you’re adopting a cat, you’ll need:

  • Cat food and bowls.
  • A litter box and cat litter.
  • Toys.
  • Cozy beds for them to sleep in.
  • Treats and snacks.

Make sure your pet is covered by pet insurance

Some of the most significant costs you’ll face as a pet owner include vet and health-related expenses. These can range from a few hundred dollars spent on vet visits and checkups each year, to thousands of dollars for emergency treatment.

Because pet health costs can be pricey for life-saving procedures, pet insurance is something you don’t want to skimp on when adopting a pet. This insurance helps to make sure that you’re covered if your pet has a medical emergency, and can save you money in the long run when it comes to expensive vet bills and related fees. 

Lemonade pet insurance

Lemonade’s pet insurance covers diagnostics, procedures, medications, accidents, and illness. If you choose to add on additional wellness coverage, you’ll save on routine and preventative care like wellness exams, heartworm and fecal tests, bloodwork, and vaccines. So really, most treatments your pet requires should be covered through Lemonade!

Prices start at as low as $10 (yup, you heard that right!), and you can save an additional 10% if you also purchase home or renters insurance through Lemonade. The application process is super simple, and you can complete it online or through their mobile app, with no phone call or in-person visit required (perfect for phone-averse Millennials).

Another nice added bonus when it comes to Lemonade is that the company is a public benefit corporation. This means that they donate a portion of their profits to charities like the Progressive Animal Welfare Society and the Humane Society of the United States.

Embrace pet insurance

Embrace covers up to 90% back on vet costs, as well as coverage for accidents, illness, and preventative care. 

One unique perk of Embrace, though, is that they reduce your deductible by $50 each year you don’t receive a claim payment. Unlike some other pet insurance providers, Embrace also automatically covers all your pet’s exam fees, which can be a nice benefit if you make frequent trips to the vet.

As for pre-existing conditions, Embrace does distinguish between curable and incurable conditions and will cover curable ones after your pet is symptom-free for 12 months (this is unique in the pet insurance industry).

Pumpkin pet insurance

Pumpkin offers pet insurance with perks like an optional preventative care package, up to 90% reimbursement, and no upper age limit. With Pumpkin, you’ll get coverage for everything from an annual wellness exam to lab tests and screenings for intestinal worms, heartworm, and tick diseases.

An insurance policy from Pumpkin also includes coverage for accidents and illnesses, diagnostics and treatment, prescription medicine, emergencies, surgeries, and specialized care. You can rest assured that your pet will receive all the care they need to stay healthy, without having to worry as much about the cost. 

Speaking of cost – Pumpkin will offer big discounts for folks with large pet families who insure multiple pets.

Pumpkin Advertiser Disclosure: Pumpkin Pet Insurance policies do not cover pre-existing conditions. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For full terms, visit pumpkin.care/insurancepolicy. Products, discounts, and rates may vary and are subject to change. Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN #19084749) is a licensed insurance agency, not an insurer. Insurance is underwritten by United States Fire Insurance Company (NAIC #21113, Morristown, NJ), a Crum & Forster Company and produced by Pumpkin. Pumpkin Preventive Essentials is not an insurance policy. It is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. Pumpkin Preventive Essentials is not available in all states. For full terms, visit pumpkin.care/customeragreement.

Why Millennials may opt for pets over children

There’s no one-size-fits-all reason why anyone chooses to have children or adopt a pet. However, there are some widespread factors that may be contributing to the trend.

Financial instability

Thanks to the effects of the Great Recession, Millennials are likely to accumulate less wealth than previous generations, with real median household income increasing only slightly over the past several decades. Meanwhile, the costs of raising a child have skyrocketed. Middle-class families are projected to spend an average of $233,610 to raise a child born in 2015, with housing, food, and childcare making up a large portion of those costs.

For Millennials worried about affording basic expenses like rent and healthcare, adding a child to the mix can seem financially irresponsible, if not impossible. Many young people may prefer to wait to have kids until they’ve achieved enough financial stability to be able to provide for their children. 

When compared with a price tag in the hundreds of thousands of dollars, pet ownership can seem downright affordable. And while pet owners may splurge on accessories for their animals or have to foot the occasional vet bill, pets remain much, much less expensive than children.

An uncertain future

Even for Millennials who are able to make ends meet and save a little for the future, starting a family can seem like a risky move during an uncertain time. According to a recent study by Morning Consult, 17% of Millennials without children are delaying starting a family because of the COVID-19 pandemic. 15% indicated that they are reconsidering having children at all.

For Millennials worried about the current pandemic, as well as other looming concerns like climate change and growing economic inequality, parenthood can appear particularly fraught. In the same study, 18% of Millennials listed the political and economic climate as a major reason why they haven’t had children, while 13% listed climate change. A significant 38% cited cost as a major reason for not having children.

In contrast, pet parenthood is way up since the start of the pandemic, with 50% of Millennials considering adopting or fostering a pet. In a stressful world full of unprecedented challenges, a furry friend can provide comfort, companionship, and purpose. Especially for young people who have experienced increased isolation as a result of the pandemic, adopting a pet can be a way to cope with loneliness and stress.

Changing cultural expectations

While it’s certainly true that it’s more expensive for Millenials to have children than for past generations, economic and political uncertainties aren’t the only reasons young people may be delaying becoming parents. While marriage and children might have been expected for earlier generations, Millennials may feel less pressure to follow a set path and achieve particular milestones by a certain age.

Instead, they may be more inclined to advance their careers, travel, or pursue personal goals. Young people who might not be ready for the responsibility of raising a child may look at pet parenthood as a low-stakes way to reap many of the same benefits of fulfillment and companionship, while also preparing to have a child in the future.

Summary

With more Millennials delaying kids or opting out of parenthood altogether, pet ownership has emerged as an alternative way to enjoy many of the rewards that come with starting a family. Owning pets isn’t exactly like becoming a parent, but the process does share some similarities: animals can provide comfort and companionship regardless of how many children you might have.

Most people adopt pets simply because it makes them happy and improves their quality of life. That’s definitely true in my case. It brightens my day to have my two little companions follow me from room to room, taking long naps in the sun and never leaving my side for long. For many people, owning pets is one of the unmitigated joys in life, and that’s something to celebrate, even during challenging times.

Read more:

Source: moneyunder30.com

Apache is functioning normally

With great weather, friendly people and enough museums and historic spots to keep you busy for months, Raleigh is a great place to live. Known as the City of Oaks thanks to its trees, what pulls people in is the warm atmosphere you’ll find throughout the city.

The cost of living is another reason people like living here. Overall, living in Raleigh costs 3.8 percent less than the national average. This puts the city smack in the middle of North Carolina towns, with places like Chapel Hill being 6.1 percent more, and Thomasville being 14.2 percent less.

Sitting below the national average can make Raleigh a pretty affordable town. But the best way to calculate if the city will fit into your budget is to break down the cost of living in Raleigh into its most essential parts.

Housing costs in Raleigh

Although housing prices in Raleigh are rising by a decent amount, overall costs are still 3.5 percent below the national average. Again, this hits a more middle range when looking across the state. Costs are nowhere near as high as in Chapel Hill, at 18.7 percent above the national average, but they’re also not as low in places like Winston-Salem at 23.1 percent below.

Looking at specific rent averages, you’ll most likely find Raleigh somewhere between reasonable and slightly high. A one-bedroom apartment in Raleigh is up 12 percent, with an average monthly rent of $1,520. A two-bedroom apartment is up a little less, at only 10 percent, and has an average monthly rent of $1,759.

Home prices are increasing at a similar rate for those who want to bypass being a renter. The median sale price in Raleigh is $410,000, up 12.5 percent over last year.

Apartment hunting

Deciding where to live in Raleigh can depend on a lot of factors. You may want to live close to your job or prefer a suburb over a more urban neighborhood. Regardless of your amenity wish list or rental parameters, Raleigh offers up plenty of friendly, comfortable neighborhoods at multiple price points.

For those with a little extra money to spend on rent, Glenwood tops the list when it comes to cost. The average one-bedroom here is $2,269. Also toward the higher end when it comes to renting is North Hills. One of Raleigh’s fastest growing areas, North Hills is full of good schools, great shopping, plenty of parks and popular restaurants and entertainment. The average one-bedroom apartment here is $1,923.

For neighborhoods closer in price to the average, check out Wakefield. One-beds here rent at an average of $1,578. Locals love this suburban neighborhood with its easy access to the city center. Also relatively affordable, Downtown Raleigh averages out at $1,619 a month for a one-bedroom apartment. That will definitely keep you close to all the city’s happenings.

If you need to save a little on rent, check out Cameron Village. This popular, affordable neighborhood has it all, and it’s all within walking distance. Situated near North Carolina State, you’ll also find a lot of college students close by. The average one-bedroom rent here is $1,304.

Food costs

Yet another city that excels at Southern cuisine, Raleigh is famous for a variety of classic main dishes and sides. This includes everything from the city’s unique style of barbecue to the hush puppies and collard greens you might pair with that rack of ribs. You may also want to try some juicy fried chicken or shrimp and grits when dining out in Raleigh.

When it’s time to dine in and get that shopping list ready for the grocery store, it’s good to know items are 8.3 percent below the national average. Even though this is a slight increase over the previous year, prices for individual food items should still average out on the more affordable side.

For example, you’ll pay an average of $1.76 for a dozen eggs and $2.04 for a half gallon of milk. A loaf of bread carries an average cost of $3.34, while a frozen meal is about $3.12. Individually, grocery items in Raleigh are less expensive, on average, than in other North Carolina towns. In Winston-Salem, a dozen eggs are $0.78 more, and you’ll see that same price increase in Charlotte when it comes to a loaf of bread.

Utility costs

Pleasant is an appropriate word to describe Raleigh weather on most days. Yes, the summers can get a little hot and humid, and yes, some winter nights are cold, but overall, the weather here is the kind that calls to you to get outside and encourages you to let the fresh air into your home.

That said, the cost of living in Raleigh when it comes to utilities is a little high. This is thanks to those 90-plus-degree days in July and the frosty January nights. Overall, utility costs are 3.2 percent above the national average, a 3.1 percent increase over last year.

While some months may test your budget when it comes to your electric bill, on average, expect to pay $193.76, one of the highest averages across the state.

Transportation costs

Though there are some walkable spots in Raleigh, for the most part, getting around in the city will require a car or proximity to public transportation. Overall, transportation costs are affordable at 10.7 percent below the national average. This, once again, puts Raleigh toward the middle when compared with other cities in North Carolina, sandwiched in by Charlotte (1.6 percent more) and Salisbury (0.7 percent less.)

If you opt for public transportation, you’ll get to hop on a GoRaleigh bus. There are 26 regular and express routes, a free downtown circular and the Wake Forest Loop, which travels in both directions. A single-ride fare is $1.25, but passes are also reasonably priced. You can get a day pass for $2.50, a seven-day pass for $12 and a 31-day pass for $40.

Taking your own car out and about most likely means paying for parking at some point, especially if you’re heading in or near downtown. Raleigh makes it easy to find parking options. Parking garage prices will vary, but most meters will cost no more than $1.50 per hour.

Healthcare costs

The cost of living in Raleigh when it comes to healthcare is 4.2 percent above the national average. This is a 4.1 percent increase over last year, but healthcare across the state is higher than average in most cities.

This can mean higher prices when it comes to doctor’s visits and prescription medications, however, everyone’s specific budget greatly depends on insurance coverage and overall health. Knowing averages can help estimate costs, but everyone will have a different cost of living expense when it comes to maintaining their health.

That said, without insurance, expect to pay $122.50 on average to see your general practitioner, $119 for each trip to the eye doctor and $116.33 at the dentist. Average prescription drug costs, without the help of insurance, are $498.

Goods and services costs

This broad category makes up a huge section of your cost of living in Raleigh. It’s where all the fun things go, and all the regular things you may want, but don’t necessarily need.

In Raleigh, goods and services costs are 3.2 percent below the national average. Winston-Salem has the highest numbers in North Carolina at 5.9 percent above the national average, so Raleigh is a lot more reasonable.

This could make it easier to plan a night out full of fun, starting with a six-pack of beer you buy to enjoy with a few friends before going out. You’ll pay an average of $9.49 for that. Next, you decide to catch a movie. A ticket will cost an average of $12.51. Afterward, you all decide you’re hungry so you go out for burgers. At an average price of $4.49, this will be the least expensive piece of your night.

There are also goods and services that don’t involve happy hour and hanging out with friends. In Raleigh, the average yoga class is $18.40, and most locals spend around $14.92 on dry cleaning.

Taxes

Sales tax across North Carolina varies by location. The state requires a 4.75 percent tax, but Raleigh adds on both a county tax and a special tax. This brings the Raleigh sales tax rate up to 7.25 percent. This is higher than the average tax across the state, and only slightly below cities like Chapel Hill, which at 7.5 percent, has the highest rate.

How does this impact what you pay when you shop? Well, say you’re out buying furniture for your new apartment. You spend $1,000 on a new couch. Of that grand, $72.50 goes straight to taxes.

How much do I need to earn to live in Raleigh?

Making enough to live comfortably in Raleigh is a huge component of happily calling the city home, and this all starts with rent. If you can afford rent, you can technically afford to live in Raleigh. But, if you don’t want your entire budget to go to this expense, make sure you use our rent calculator to figure out exactly what you can afford.

Looking at the average cost of a one-bedroom apartment in the city ($1,517) and assuming you want to follow what most experts suggest and only spend 30 percent of your annual income on rent, you’ll need to make $60,680 to live in Raleigh.

This is entirely plausible given that the median household income in Raleigh is $69,720. That means you may even have a little money left over to upgrade your living situation or splurge in another part of your monthly budget.

Free things to do

Of course, one great way to save money, should you need to make some budget cuts, is to seek out all the free fun Raleigh has to offer. Sometimes considered the “home of the free” by locals, there’s a considerably large number of free attractions throughout the city, from parks and lakes to museums.

For free fun outdoors, check these spots out:

  • With 22 miles of hiking trails and a hanging bridge that’s so much fun to cross, William B. Umstead State Park does not disappoint
  • Perfect for bird-watching and hiking, the Carl Alwin Schenck Memorial Forest contains 245 acres of managed woods
  • Featuring more than 6,000 different types of plants from around the world, the J.C. Raulston Arboretum has one of the largest and most diverse collections of Southeastern greenery
  • For fishing, sailing, canoeing or kayaking, make sure to visit the 650-acre lake at Lake Wheeler Park
  • To stop and smell the roses, check out the 60 different varieties in the Raleigh Rose Garden

For a free cultural experience, visit these great places:

  • Although you can take classes for a price, Downtown Raleigh’s Artspace features access to exhibits from national and community artists
  • Get to know the athletes that called North Carolina home by visiting the North Carolina Sports Hall of Fame
  • Hop in the car and head a little north to the Wake Forest Historical Museum where you can learn all about the town of Wake Forest, as well as the history of Wake Forest College
  • For another community experience, visit the Cary Heritage Museum and see a complete chronicle of the town’s history

What’s even better, the North Carolina Museum of Art (permanent collection only), North Carolina Museum of History and North Carolina Museum of Natural Sciences are all also free to visit.

Living in Raleigh

Raleigh is a friendly and mostly affordable place set in perfect Southeast weather. It has so many positives, from delicious food to a ton of free activities. Are you convinced yet that it’s the perfect place to live? Good. Now, you just need to make sure your budget agrees.

The Cost of Living Index comes from coli.org.

The rent information included in this summary is based on a calculation of multifamily rental property inventory on Rent. as of August 2022.
Rent prices are for illustrative purposes only. This information does not constitute a pricing guarantee or financial advice related to the rental market.

Source: rent.com

Apache is functioning normally

Flight delays are frustrating. Whether it’s because of thunderstorms or an overbooked crew, the result is the same: You don’t get to where you’re trying to go.

It’s never pleasant when things go awry, but if you’re flying on American Airlines, you have some options. Let’s look at American Airlines delayed flight compensation, your rights and other things to know.

What to know about American Airlines delayed flight compensation

1. American Airlines may not owe you anything

Although the Department of Transportation (DOT) has regulations when it comes to flight cancellations and compensation, there isn’t a similar ruling for flight delays.

Recently, airlines have begun to make clearer commitments to the type of compensation you’ll receive during a flight delay with one specific caveat: These apply only to controllable delays.

This means that airlines have only guaranteed to give you compensation when things such as missing crew or maintenance issues arise. It doesn’t apply to air traffic control or weather delays.

2. Your credit card can reimburse you

Even if American Airlines isn’t willing to reimburse you for delays, there’s a good chance your credit card will. Many travel credit cards offer complimentary travel insurance, which includes trip delay insurance, trip interruption insurance, delayed luggage insurance and more.

The Chase Sapphire Reserve® card is among the best for complimentary travel insurance — simply because it provides so many protections. This includes trip delay insurance, which kicks in after a six-hour delay or one that forces you to stay overnight.

The protection caps out at $500 per person and will reimburse you for reasonable expenses incurred as a result of the delay. These expenses can include:

  • Toiletries.

  • Medications.

  • Other personal use items you may need.

Importantly, credit card travel insurance can also cover more than one person. In Chase’s case, this means you, your partners and your legally dependent children up to age 26 are all covered as long as you charge a portion of the fare to your card.

3. There is more than one type of compensation

American Airlines offers more than one type of compensation if your flight is canceled or delayed. If your flight is significantly delayed and you choose not to fly, you’ll be entitled to a refund. However, the DOT has not specifically defined what constitutes a “significant delay,” so this may be difficult to enforce.

For controllable delays, American Airlines has made a variety of commitments to its passengers, including the provision of accommodation and food vouchers.

4. The DOT dashboard outlines your rights

The DOT maintains an up-to-date dashboard for 10 airlines outlining your rights. This provides information as to what American Airlines has committed to providing if your flight is delayed or canceled.

Here is what American Airlines has committed to providing its customers in the event of a controllable delay:

  • Rebook you on a new flight in the case of significant delays.

  • Rebook you on a partner airline or an airline with which it has an agreement in the event of a significant delay.

  • Give you a meal or meal voucher for a delay lasting three hours or more.

  • Provide you with hotel accommodations for an overnight delay.

  • Give you ground transportation to and from your hotel for an overnight delay.

5. Delayed EU flights can compensate you

Although the DOT doesn’t have many protections for customers on flights, the European Union does. Thanks to EU261, if your flight to, from or through the EU is delayed for a variety of reasons, airlines are required to compensate you. The amount is based on the amount of the delay and the distance of your flight.

Flight length

Compensation

1,500 kilometers or less

250 euros ($273).

Flights from 1,500 to 3,500 kilometers

400 euros ($437).

Flights longer than 3,500 kilometers

600 euros ($655).

Note that compensation is applicable only for controllable delays. Severe weather or air traffic issues aren’t eligible for reimbursement.

6. You’re owed if you get bumped

Overbooking is a common airline practice. This means that airlines will sell more seats than they have in the hope that some passengers don’t show up. However, sometimes everyone does arrive and airlines are forced to bump passengers. They’ll first ask for volunteers; if there aren’t enough volunteers, they’ll then start bumping people involuntarily.

You have rights if you get involuntarily bumped from your flight. If you arrive within one hour of your originally scheduled arrival time, you won’t get any compensation. Any more than that, however, and the numbers start rising.

Depending on how long you end up delayed, the airline will owe you between 200% and 400% of the fare that you paid (note that there are maximums to this).

You’ll also be eligible for compensation if you were traveling on an award ticket and end up bumped. In this case, your compensation is based on the lowest cash, check or credit card payment charged for a ticket in the same class of service on your flight.

American Airlines delayed flight compensation recapped

There’s no good way to deal with a flight delay. This is true on any airline, American Airlines included.

However, if your flight has been delayed for a controllable reason, you may be entitled to compensation. Do your research, check out the DOT’s dashboard, and make sure you get what you’re entitled to when American Airlines makes you late.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2023, including those best for:

Source: nerdwallet.com

Apache is functioning normally

Dorothy was right: There is no place like home. Home is where we feel safe and relaxed in the familiarity of our surroundings — the sheets are just right, our favorite chair welcomes us, and we know, half-asleep and at 1 a.m., that we can get to the bathroom in exactly 10 steps.

But it turns out we might not be as safe as we think. According to the Home Safety Council (HSC), home-related injuries cause nearly 20,000 deaths and 21 million medical visits each year. HSC’s State of Home Safety in America report found that unintentional home injuries cost an average of at least $222 billion each year in medical costs between 1997 and 2001, far greater than costs from other home injuries such as violence ($98 billion) or suicidal acts ($96 billion).

Yet most of us, myself included, fail to take these numbers seriously. HSC polled Americans on the injury prevention actions they took in their homes and found that an alarming number failed to appreciate the risk and lacked either the motivation or knowledge to reduce it.

The good news is that most home injuries are avoidable with a few simple modifications, ranging in price from free to $40. Learn how easy and inexpensive it is to protect your family from the five leading causes of injury, as reported by the HSC.

Falls
Each year 5.1 million Americans are injured by falls that occur in and around the home. Falls are the leading cause of home injuries and account for one-third of unintentional home injury deaths.

Recommended actions:

  • Put a nonslip mat or safety treads on the tub floor and use grab bars when you get out of the shower: $4-$10.
  • Turn on area lights when using stairs, steps, and landings: $0.
  • Use handrails on both sides of stairs and steps, and shoo pets away from your path (I know, easier said than done): $0.
  • Use a proper ladder for climbing instead of a stool or furniture: $0-$30.

Poisonings
The second leading cause of home injuries, more than 2 million poisonings are reported to the Poison Control Center each year, yet only 1% of respondents in the HSC survey considered it a top concern.

Recommended actions:

  • Lock poisons, cleaners, medications, and other dangerous substances away from a child’s reach: $0.
  • Keep all cleaners in their original containers, and do not mix them. Even better? Buy non-toxic all-purpose cleaners from brands like Method or Seventh Generation, or make your own: $2-$6 for 32 ounces of self-made or purchased cleaner solution.
  • Use medications carefully, following the directions. Use child-resistant bottles, but don’t rely on them: $0.
  • Install carbon monoxide detectors in bedrooms: $20-$30 per detector.*
  • If someone is unconscious, is having trouble breathing, or is having seizures, call 911, but if someone seems okay and you think they may have ingested poison or you have a question, call the National Poison Control Hotline. Put the number in your phone’s address book or near the home phone (only one-fifth of polled Americans reported doing so) — it’s 1-800-222-1222: $0.
  • Radon is a cancer-causing, radioactive gas that you can’t see, smell, or taste. The Surgeon General has warned that radon is the second only to smoking as the leading cause of lung cancer in the United States. Test your home at least every two years or when living patterns change: $15 (or free — some state programs offer low-cost or free kits, contact your state radon contact for more information).

Fires and burns
Of all fire- and burn-related injuries, 90% occur in the home. We know we should have a fire extinguisher and smoke detectors in the home (93% of the people polled did have smoke detectors installed), but most of us slack off on other precautions such as fire escape ladders (only 6% reported having one) and a family escape plan (just 26% had one).

Recommended actions:

  • Have working smoke alarms: about $3 to replace batteries, $20 per smoke detector.*
  • Create a family fire escape plan: $0.
  • Two story home? Keep a fire escape ladder near each upstairs bedroom window: $35+ per ladder.
  • Don’t leave the stove when cooking, especially when frying food, and consider keeping an easy-to-use fire extinguisher near the range: $0-$12.
  • Space heaters should be three or more feet away from anything flammable and turned off when you leave the room or go to sleep: $0.
  • If you smoke, smoke outside and put water in ashtrays before emptying. Lock matches and lighters away from a child’s reach: $0.
  • Blow out candles before leaving the room or going to sleep, or replace real candles with flameless ones — new battery-operated candles are made with scented wax and create a flickering glow: $0, or $10 for a 6-inch flameless candle.
  • Set the hot water heater at or below 120 degrees Fahrenheit to prevent burns, and test bathwater temperature before children climb in: $0.

Choking and suffocation
The easiest way to prevent most choking-related deaths? Sit, and require children to sit, while eating. Only 39% of adults require children to do so.

Recommended actions:

  • If an item can fit through a toilet paper tube, it can cause a young child to choke. Keep small items out of children’s reach: $0.
  • Don’t put pillows, comforters, or toys in a child’s crib: $0.
  • Tie or clip the loops in window cords up high where children can’t reach them: $0.
  • Read the labels on all toys, especially the recommended age: $0.
  • Cut food into small bites for kids, and both kids and adults should sit down when they eat and chew slowly: $0.

Drowning
Most drowning deaths at home are related to swimming pools and spa tubs, but there are easy ways to keep everyone safe this summer.

Recommended actions:

  • Sounds obvious, but stay within arm’s reach of children in and around water. This includes bathtubs, toilets, pools, and spas (more than half of the HSC survey respondents failed to do so): $0.
  • Keep the gate around your pool closed and locked: $0.
  • Empty large buckets and wading pools after use and store upside-down: $0.
  • To avoid suction entrapment, don’t use a pool or spa if there are broken or missing drain covers: $0, or $15+ for a drain cover replacement.
  • Research the safest pool cover for your type of pool: price varies.

*Rather than buying separate carbon monoxide detectors and smoke alarms, install a single unit that does both: $40-$50.

Is your safety to-do list as long as mine? Know any easy fixes that make your home a safer place for your family? I’m embarrassed to say that buying carbon monoxide detectors and testing for radon are two things I have always meant to do, but never got around to doing them. June is Home Safety Month, though, so it’s the perfect time to check it off my list!

Source: getrichslowly.org