#no amount of budgeting is going to make affording a place in manhattan possible

[ddaengju]

currently daydreaming about living in manhattan again. about how my free time could be spent wandering around window shopping or reading at a park. finding cute cafés and bookstores. just really absorbing the sounds of the city finally feeling content.

[thekitschdiet]

my take on the literary masterpiece, the chic diet

Firstly, I am no one. It’s part of my charm. My fifteen minutes of fame was years ago, when I had an instagram niche meme page. I didn’t even take any brand deals! And my posts averaged six thousand likes! Anyhow. I am hardly literate and well hydrated and carry a small sephora-CVS-hybrid worth in my mini tote bag. Here is my guide on how to live like me, the intermediate kitsch-rat, aspiring influencer. But like, in an apathetic, somewhat dissonant, ironic way. I like saying I live by dogmatic principles. But a lot of it, um, is just eating disorder rituals. But that’s not really important. You’re as hot as you say you are, and as much an authority on what you write so long as you say it with, you know, conviction. It’s kind of venerable how fucking delusional I am, actually. Giving any sort of advice like I’m anywhere close to the ritzy ideal of the amphetamine-areyouami label-american. New York, ideally. West Village, preferably. But I guess the kind of guide I can write is better suited to someone living in a suburb, in a house with the twelve-paned windows. I always thought those were so chic. SO quaint, in a somewhat luxe way. Like, Connecticut vibes. My parents used to drive me up there as a child to buy books and ice cream. Nowadays I’d opt for a matcha latte with novelty ice cubes, but I guess at the time it was pretty sweet. 

Because I popped a Vyvanse at like, 10pm, this next little bit could go one of two ways. I will write the most articulate, brilliant piece of literature of my life. Magnum opus, if there was a skinnier word for it. Or, I will get wrapped up doing something like folding all my last-season knits (which is part of my look, okay! I don’t have a job!) and fixating on a paragraph on how a girl’s collarbones are almost as identifying as a fingerprint, or a signature. I’m not a graphologist, but if you write your A’s with the little tail on top (like on a computer), you’re probably a snake. Nothing personal, just an observation. Also, I do have a biology final to study for. Not that I’m super anal, or even particularly committed to academia, but even in my precariously manicured (read that as separate terms; I did a good job on my nail polish, okay? But I happen to also be teetering on the brink of an epiphany or a collapse. Hence the use of the word precarious.) state, I know it’s important enough I can let one of my countless side-quests sit idle for a couple more days. 

The first section seems only natural to be about hydration. And the whole idea of drinking things, really. There was a section in The Chic Diet about Adderall dry-mouth, which deeply resonated with me. Once I bit off a chunk of a Nivea Strawberry Shine (my favorite lip balm, more on that later) and swished it around my mouth. Didn’t help. Really, really didn’t. Anyway, I suppose that even if it served no purpose for combatting my prevacatingly ingenious cottonmouth solution, I was able to milk a sentence or two out of the experience. “Do it for the Vine”, all grown up! And wearing bananapapaya resin hoops too. Side note, that Etsy shop is a parasocial enemy of mine. It stems from jealousy, which sucks, but hating from inside a club I’m adjacent to is much healthier than being a hateful individual towards people I would, you know, interact with. Daily. Or something. I stopped going to therapy because I felt stupid about going and I don’t live in the right kind of town to warrant vacuous $300 hours. Bitching about my well-adjusted parents and how desperately I wished my anxiety would just “go away” was plainly gross, and a waste. Like, pretty sure almost every problem I have could be solved by a couple painful conversations taking place during a hurricane. Such a shame it doesn’t rain much here. Anyhow, I digress. 

Staying hydrated. It is essential to my character, my persona, if you will; to never be without either an elegant metal bottle (I’m loyal to the smooth enamelled S’well ones, printed to look like marble or a semi holographic solid) or a little 16oz tumbler with a metal straw. Hydroflasks were some of the worst things to happen to society. I want to preface this claim with the fact that I wanted one in the same way a teenage girl wants a new iPhone so she can keep up appearances with her dermatologist-dad friends who still have the XR, by the way. But I ended up spending the money on like, a minidress at Brandy Melville before it fled my city. Or maybe a Fresh Sugar tinted lipbalm. For the better, even though the dress has a busted zipper now and the lipbalm tube has inevitably gotten dinged and dented by the other contents of my mini-totebag. Unlike a car, though, a couple scuffs on your laptop or your luxury lipbalm tube looks kind of cool. Like, you’re not someone who values the pristine, unused quality of an item that was ambiguously intended to be used versus displayed on Instagram.  Now, I’m wondering why this paragraph about hydration is so fucking impossible to stay on track for. I literally drink several litres of water a day, and more tea on top of that. And sometimes an almond milk latte if I can budget it in. Not that I’m so anorexic I can’t afford a 45cal latte. They’re just not that important to me. Anyhow. Drinking lukewarm (on the cool side) water is better than ice-cold. Partially because I just get it out of the tap of my ensuite and I can’t be bothered to wait for it to run cold enough every time, and it just seems wasteful. Plus, there is something so.. skinny about drinking water at an “obscure” temperature. Trust me, I want to know why my thought process is like this too. My favorite tea is blueberry tea foraged in a side aisle at my local supermarket. I love a good commercial, high-end steep or fruit infusion as much as the next girl. Maybe more. My pantry is filled with tins labelled with things like “emerald jade organic” and “magic potion”, which is really just currants and butterfly pea flowers. But there is a necessary glamor about drinking dirt-cheap tea on the daily. Seriously, a box of 25 sachets is like, $3. At a higher point with my, um, Adderall problem, I spent like several times that on pills. I didn’t really need to include that, and could have linked the price point to the cost of a drugstore lipbalm, but I wrote it in. And I’m married to it, stubbornly, as all amateur writers should be when they wittle in a somewhat indecorous little joke. This tea is sooo good because it has a strong fruit-reminiscent taste (not as sweet as a fresh blueberry, but who wants that anyway?), it’s zero-calorie, it’s the most GORGEOUS color ever. The latte, the third drink in my little trifecta, is nothing special. But necessary. The trick is to use a milk frother to whip up sugar free syrup with instant coffee and a little bit of hot water in a glass. It’ll make the most luscious foam.. Top it off with almond milk. My dad is a coffee purist, owning both an upstairs keurig AND a downstairs one (among other more analogue methods, but I can’t name-drop, so what’s the point?), so he hates this drink. Now, calling oneself a plebian is so unglamorous and teetering on self-deprecating territory, dangerously close to insecurity. But I can use it here because I am at least posh enough to have a different pair of earrings for every outfit I could possibly come up with, and I only wear Patagonia if I am in a situation where I just have to wear fleece. Like I was saying. It’s such a simple drink, certainly not a delicacy, and… I had a joke about the word plebian but I keep getting up to refill my water and I fear I have forgotten about it. 

Next section; the importance of a good tinted balm

In the intro I alluded to how a girl’s collarbones function essentially as an identifier, the way a signature or fingerprint does. This is a lie, or at least an exaggeration. But one’s ultimate tinted lipbalm is  actually extremely indicative about who you are, as a person, as a member of society, even… 

If you are loyal to Dior Lipglow, I have a couple questions. One; did you shoplift one tube, once, and refill it with cheaper stuff afterwards? I did that. I consider it one of my better-kept secrets, but now you know. Might as well explain the catalyst for my parent’s first separation now, and the horrifying experience that was meeting my dad’s Manhattan sugar baby (?) at the age of thirteen, wearing an overalls dress from, like, Topshop or something else equally embarrassing. .. Kidding. I digress. It’s such a fancy lipbalm, and good too! It smells like thin mints! But I could just never justify cell phone monthly installation payment money on something I will inevitably talk off. I do own three, but two I stole (before I lost the nerve, somewhat unfortunately) and one, a boy(not)friend bought for me. This is not something I feel any remorse about, because his house was easily four thousand square feet and his sisters had a dedicated all-glass room for their shared peloton. Oil money. Ugh!

My personal favorite lip balm, and I have tried a frightening amount, has got to be the Nivea Fruit Shine collection. The frosted one is shit-ugly. Hideous. But the strawberry one is the love of my life. It’s such a pleasant red, looking healthy and rejuvenated and really completes any look. Only downside is it will always, hopefully not always, remind me of Charles. Kissing Charles, specifically. And him asking me what lipbalm it was, because he knew I was somewhat frivolous and definitive and would have a very long answer. But for whatever reason, I simply stated it was from “out of town”. Not really sure why I said that, but it plagues me (minorly) to this day. Of all the things to make up.. .. The peach one is a perfectly demure spring classic shade. Cherry exists too, but the only tube I have ever had the fortune of owning was purchased in Costa Rica and lost somewhere on the way home. Honestly tragic, it was the juiciest shade. Blackberry is perfect too, but I have to layer it with either peach or untinted lipbalm to avoid what I imagine TooPoor would choose if she believed in tinted lipbalm. I don’t mean this hatefully, I think she’s a queen, but super dark, smudgy makeup suits the eyes better in my opinion. Or something. Or something.

Afraid to bore the reader, I have to move on now. Maybe at a later date I will release an addendum on my ultimate lipbalm buying guide. But also, that is so deeply personal (and everyone needs the excuse of “hunting for the perfect staple shade!!”), so it is really not my place to have any authority on something so intimate and subjective. Etcetera. 

Moving on; Decorating your room

Here is a section I lifted out of my memoir document. It fits, because as enigmatic as I hope I am, I am also quite unchanging.

 I just pushed three hangers and two tiny strappy tops with the tags still on, off my bed. Most nights, all, these days, actually; I spend in my large but cluttered bedroom. I have a little ensuite with a jetted tub I’ve never used because I just never get around to it. There’s a plush grey rug, spanning the expanse of the room (covering an ugly cherry wood that doesn’t match the rest of the house; no clue why. I never asked, and the previous owners were eager to sell so they could finally ditch this town and retire in Montreal for the bagels, or Hawaii for the monk seals. Point is, I’ll never know) with loose beads and loose pills and little shards of glass from plier-crushed beads. I vacuum every day. The whole room tells you exactly the kind of person I am; the clutter I possess, the encapsulation of the projects I start, start, start and the hours I don’t sleep for and the clothes I tried on (these to sell, these to cut up with kitchen scissors; thrifted lululemon and aritzia and heaps of knits and plaid fabric..) I would not say the room is a mess. Lived in, maybe. Chopsticks and mugs and gum wrappers. Single dangle earrings. I just finished the last of my Creme Brulee eos lipbalm; disguised as a relic of 2015, I was gifted it Christmas of ‘20. I think my next waxy conquest will be a tinted Burt’s one I palmed a while back, before I lost the nerve. Peering around the room you will see shopping bags strewn about the mouth of my walk-in closet. Every surface has something shiny or colorful stacked up on it. Cluttered, busy, but intentional. Except for the walls, which are bare. Bare and gray and miles-tall when I lie flat on my back, high out of my mind, willing things to change but knowing I’m responsible for a first step I will always be too scared for. Bare, pristine, no gumtack. Empty, Like they’re waiting. I wait around a lot. It makes sense. That was an awful lot of words about my stupid blank walls when truly it does not bother me that much; I really just don’t get around to it. I have other things on the ground to tend to, like post-email nausea, addressing envelopes, marrying wire and bead.  Writing a document I care about because I am determined and I am alive, alive, alive, goddammit. 

Excerpt over. The memoir is coming out when I get famous, or something earth shattering happens. Like I become the world’s least remarkable entrepreneur, and I get retweeted by Colorpop. I don’t want to be the next Elizabeth Wurtzel. I read two of her memoirs one restless night, absorbing it to make up for the nutrients I didn’t that day (you can laugh. I think that is pretty clever), heart breaking a little bit. She writes about her struggles so intrinsically, you either get it, or you don’t. Anyway. She had the books and the fame from it, and she wrote more memoirs than I think a single person should. That is admirable. Aspirational, even. But I do not want to be like her. Where was I? Oh. Yes. Decorating/adorning/filling your room. Your room should serve as the kind of place to watch a movie (if you believe in film. I don’t) and put on ridiculous glittery eye makeup, or smoke an ~artistic cigarette~ or stay up all night on the phone, which is different from staying up all night simply on your phone. Chatting with someone you are tepidly in love with is much more exciting. Not chic as the whole affair is so juvenile, but fun regardless. It’s somewhere to keep your worldly possessions, too. I know I have a lot! Also, it is kind of thrilling to hide things in your room in little crevices only you know about. Now, unfortunately, everyone reading this will know too. But, like, I trust you not to really.. do anything about it. I keep my extra juul pods in the sliding box my apple pencil came in. That box is almost more useful than the pencil itself. I’m somewhat morally opposed to the iPad. Whole culture is so embarrassing! I have a tea tin with an ounce of golden teacher shrums in it. This is tossed in my closet among tins filled with other things, like lace trim and buttons. Which makes it actually a pretty terrible hiding spot, I see now… Anyhow. Keeping benign little secrets like that is so fun. You can tell I don’t have siblings. I sort of wish I did, but it is easier to believe there is something aristocratic about being an only child. Not sure if older-sister me would be egalitarian enough to share things. But that’s prophesying, which is kind of a waste of time. I live in the now, in a room positively cluttered with meaningless things that mean the world to me, chewing on my lip because my mouth is just so dry and 5gum is just not an after-8 indulgence. To live truly kitschly, you have to have somewhat hideous decor. Now, do not confuse dissonant, or incoherent, with what I mean by “hideous decor”. The kitsch room has as many surfaces to look at as possible, while also shying away from too many shelving units. Then you risk your room looking like a storage unit or something. When my mom renovated (re: paid someone to do it) our New York house so we could sell it, all our stuff was stacked up in a Cubesmart self storage. It was sort of horrifying, seeing my childhood home reduced to plastic storage tubs piled what felt like thirty feet high. Anyway. It’s just not an  inviting way to store things; I imagine it makes your room look like your stuff is all trapped in gelatin. The more fussy, tiny things you have out in the open, the better. Nail polish. Earring trees. Bowls full of rings and lighters and water color pans perched on your windowsill. A rack with the tackiest assortment of knits and bucket hats and baguette bags. And so forth.. Quickly surveying someone’s room is so telling. Bonus points if all your books are spine-in, except for your favorite ones, because you don’t want people to get the wrong idea. (that you read). 

[myhomeuskitchenremodeling]

4 Useful Small Manhattan Apartment Remodeling Tips

Want small apartment remodeling in Manhattan? Renovating a small apartment gives you a unique opportunity to create a dreamlike space you love while adding value to your lifetime investment. It’s obvious that small apartment has limited space; but you never the shortage of space become a hindrance on what you want to achieve.

All you need to do is to rely on professional apartment remodeling contractors in Manhattan. Let their innovative and crafty ideas allow you create a comfy and stylish apartment space that you dream of all the while. Take inspirational ideas on apartment remodeling in Manhattan discussed below.

1. Bring in the light.

Getting enough light in a small apartment seems like a challenge; but you can consider classy ideas and use unique ways to maximize the amount of light inside.  

First of all, knock down the wall facing a beautiful view and install a floor to ceiling window. Remember that, large size windows add a luxury feel to every home and illuminate space with additional natural light.

When it comes to adding windows, you should install a window on the ceiling to allow more light inside. Consider sunroofs that will allow you stargaze from the comfort of your home.

Using a fresh paint color can allow light inside. But the color of the paint really matters while lighting up the space. Instead of going for darker colors, opt for white or pastel color for walls to reflect natural light and make your room appear much bigger and brighter.

2. Focus on storage space.

Storage space is a challenge for small apartment owners as they have limited area available. If you’re looking to create an apartment of your dream, it’ll never feel comfortable with clutter.

Even, most home buyers keen about the storage area in an apartment when it’s for resale. Hence, you should think about innovative ways to maximize the storage while leaving the apartment looking spacious.

Add floating shelves to the walls for the storage of decorative and small items that make your room appear messy.

Install wall-mount storage in the kitchen so that you can hang your cookware while freeing up the space in the kitchen cabinets for other things during your small apartment kitchen remodel.

When it comes to apartment kitchen remodel project, invest in kitchen cabinets to maximize the storage space. You should buy cabinets that are ready to assemble for a small kitchen so that you can custom-design them easily as per your preferences and space requirements. Generally, they’re highly affordable and durable.

3. Create the space appear much bigger.

While renovating a small apartment, you should work on making the space appear much bigger and spacious. There are a few ways you can achieve your goal:

Use the same floor tiles in the bathroom so that the shower blends effortlessly, allowing the room appears much bigger.

Lose the door to install a transparent glass slab in the bath space.

Invest in pullout tray tables so that you can slide out when needed and tuck it back when it’s not used.

Use the floor diagonally so that you can see the broadest part of the patterns as soon as you enter room. It’ll make the room appear longer.

4. Create a loft.

When you create a loft in an apartment, it will save you more space even if the apartment is small. Now it’s the modern thing in the small apartments. Incorporating a loft while apartment remodeling in Manhattan allows you save on space and add an extra room.

Do you’ve high ceilings and permits? If yes, you should create a loft above the living area to use it as a storage space for your books. You can add it in your kid’s bedroom, making it a place for guests or a space to store their toys.

Final Consideration –

Small apartment renovation can be bit challenging. With proper planning and budget, you can get your apartment renovation project done with a breeze. Whether you’re thinking of apartment bathroom renovation or apartment kitchen remodel, you should always rely on MyHome Design & Remodeling team.

We are available to provide you with an estimate on apartment remodel cost or apartment kitchen remodel cost. Our expert remodelers have their innovative minds in action to bring out the creative side with unique ideas and suggestions. For more information about our apartment kitchen and bathroom renovation project, feel free to contact us as soon as possible at +1-877-615-1177. We’ll get back to you right away with your free design estimate.

[kf14wxbw-blog]

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Newlywed Finances: How to Prevent Financial Mistakes Before and After the Wedding

This is a guest post from Todd Christensen over at Money Fit by DRS, Inc.

Isn’t love grand? Falling in love is such an exciting time for creating dreams, sharing hopes, and focusing your emotional energies on building a lasting relationship! Who wants to spoil all the fun by talking about money, credit, debt and spending? No one, which is why so many couples return from their honeymoon to a financial nightmare that increases the stress that naturally begins to build in relationships that might stifle openness and hide fear.

Earlier generations made the mistake of believing discussions of money were impolite, rude, and even crass. In public, such discussions may still generate similar reactions, but inside a home and between couples, money talks should be not only frequent but the norm.

If you or your spouse (or spouse-to-be) tend to steer away from money topics, consider the following thoughts and ideas for starting conversations that can lead to sincere sharing of goals, fears and hopes surrounding personal finance. If you find this topic a bit scary, keep in mind the frightening alternatives of hiding income and spending from each other, growing apart due to diverging financial goals, and the stresses of over indebtedness.

Financially Preparing for the Wedding

While the cake, the dress and the reception band add to the beauty and thrill of the wedding day, the two of you need to discuss your financial priorities when it comes to your big event. ValuePenguin.com found in 2019 that the average wedding in the US costs nearly $30,000, ranging from $13,000 in Mississippi and Utah to nearly $90,000 in New York (Manhattan). By far, the largest wedding-day expense is the venue and catered food, far outstripping the engagement ring, the wedding dress and the photographer.

Without meaning to discourage any couple from having the wedding of their dreams, it must be noted that a 2014 study found a strong association between costly weddings and high divorce rates. The study concluded that couples who spend less on their wedding ceremonies report significantly less marital stress and actually stay married longer on average.

Making Post-Wedding Plans Together

As you discuss together the hopes and dreams you have for your future, keep in mind that many of those wishes will require money or financing to become a reality. Create a list of five financial goals the two of you would like to work toward. Examples might include home ownership within three years, family-related expenses such as children and vacations, and ideas and thoughts about long-term retirement.

Creating this list of mutually agreed upon hopes and wishes while planning the wedding can help both fiancé(e)s to stay grounded and focused on their most important goals. After all, an entire industry has sprung up in the past two generations to urge couples to go into more and more debt to create their “perfect” day. A written list of common financial goals can make it easier to decide whether you want to hold your wedding ceremony at a far-flung exotic location with 25 of your best friends, in your back yard with homemade soup and sheet cakes, or somewhere in between.

Financially Preparing for the Honeymoon

As you approach discussions about where to spend your honeymoon and how long you want it to last, share your thoughts about consumer debt and, more specifically, credit card debt. As you make plans for your honeymoon, keep in mind the importance of minimizing debts and the power credit card debt has to eat into your future financial goals thanks to average interest rates in the 15% to 17% range.

Still, using a credit card while traveling, especially internationally, tends to be a better choice security-wise than a debit card. If you lose your card or have it skimmed at a foreign ATM, you are less likely to be out any of your own money. After all, with the law on your side, you are liable for $50 at most if you report suspicious or fraudulent activity promptly to your credit card company.

If you take a credit card on your honeymoon, make sure to have enough cash saved up ahead of time to afford to pay off the credit card in full upon your return. Whether you have been married two weeks or two decades, coming home from a trip with a massive credit card bill is a sure way to increase stress and possibly even drive a wedge between you two.

Credit Cards and the Rollercoaster Analogy

Think about paying for your honeymoon like you would a favorite roller coaster at popular theme park. Most park visitors are willing to wait upwards of 60 minutes or more to ride a two-minute coaster. While waiting in line, you are discussing what the ride will be like, enjoying the thrill of the anticipation. After the ride, you share your experience positively with others you waited in line with. If, on the other hand, you had the opportunity to ride the roller coaster immediately, without waiting ahead of time, and were then required to stand in a “post-ride” line for the same 60 minutes, you would experience no anticipation whatsoever. Instead, the same 60 minutes would feel like punishment, leaving you frustrated and irritated.

This same principle applies to vacations and honeymoons. Saving up for the trip in advance creates a feeling of shared anticipation, whereas the debt resulting from a lack of preparation creates disappointment and even dissatisfaction and frustration with the experience. If you don’t have the financial means to pay for the vacation of your dreams as part of your honeymoon, consider a more affordable experience while setting a goal to save your exotic travel until your fifth or tenth anniversary. Besides the financial discipline, you will build the shared anticipation that brings couples closer together rather than pushing them further apart.

Financially Committing to Each Other after the Honeymoon is Over

While these suggestions should happen after your return from the honeymoon at the very latest, you may also consider putting them into place before the wedding. Each of these recommendations is, first and foremost, a commitment. Don’t think of these recommendations as committing to doing something for someone else’s benefit. Rather, they are commitments you make to each other, to your relationship and to your shared future.

The Weekly Financial Huddle

Commit to a meeting once a week for five to fifteen minutes on the same day and at the same time to hold a “financial huddle.” Come to the huddle with your checking account balanced so you can quickly review your short- and long-term financial goals.

Discuss upcoming bills, who will pay them, and what methods you will use to pay them (e.g. cash, check, online, debit card, autopay). Finish by returning to your goals to figure out what you can do the following week to accelerate your progress toward each one.

A Household Banking System that Works for You

Commit to setting up and using a household banking system that works for you as a couple. If you choose to keep your finances completely separate, be prepared for the possibility of feelings of inequality in the relationship, suspicion or even of being used or neglected. While keeping finances separated can work for some couples, consider combining household accounts into a single bill-paying account and multiple short- and long-term savings accounts for shared goals

The real key is having a separate account for each spouse with an equal amount of fun money. Each spouse can spend his or her monthly fun money however he or she so chooses, with no need be accountable to the other for that spending. So long as its legal and ethical within your relationship, each spouse can spend his or her “fun money” without fear of feeling guilty or irresponsible.

Creating a Household Spending Plan

Commit to creating and living within a household spending plan (aka budget) that maps out how to save for emergencies and your goals, to invest in the future, to pay your bills, and to have some fun. Consider the various forms of budgets available, from the traditional to the percentage-based to the account-based. Choose a spending plan you are both comfortable with and can both believe in.

Insuring Your Future Together

Commit to insuring your present and your future together. Choose an insurance company you are both comfortable with so you can consider combining your vehicle insurance and your renters insurance policies, taking advantage of multiple-policy discounts.

Building Your Credit Together

Commit to keeping (or getting) your credit ratings in great shape. You do not have to aim for 800 (top 10%), but 750 or up will not only get you the best interest rates on your future mortgage and other loans but will typically mean lower car and homeowner insurance premiums, increased likelihood of positive job interviews, lower utility security deposits, and even getting you into the apartment complex of your choice. If either of you struggle with a poor credit rating, find 17 tips for improving it here.

If your spouse comes into the marriage with terrible credit, take comfort in the fact that his or her pre-marriage credit will have no effect on your rating. Only accounts opened jointly (commonly after the wedding) will change your credit score, for better or for worse. Rather than joint credit card account, you may want to consider adding your spouse to your credit card account as an authorized user to avoid any harm to your credit rating.

Creating a Debt Elimination Strategy

While debts incurred prior to your marriage will not affect each other’s credit rating and will not legally bind the other spouse to the debt obligation, keep in mind that your individual goals will tend to give way to your couple goals. Done right, this is not a loss of individual freedoms or the surrender of your personality to the “greater good” but the building of something that is greater, more beautiful and more enjoyable than the sum of its parts. Creating a debt elimination plan might involve slow and steady debt payments to credit card companies, student loan service providers, car loan companies, and others.

If you can afford to repay your debts together without turning to an outside party, look at these four methods of accelerating your debt freedom day as painlessly as possible, including the debt avalanche, snowball, landslide and cascade methods.

Third-party Debt Elimination Options

If you need to turn to a third-party, look first to a nonprofit credit counseling agency that belongs to a national trade association such as the FCAA. Such agencies work with your creditors to lower your interest rates and get you out of debt within 5 years or less. They are likely to have fees, but any fees will be capped and regulated by your state of residence.

In a few cases, working with your creditors to negotiate a less-than-balance-owed payoff might be an option. This method, known as debt settlement, will have long-lasting negative effects on your credit rating, but if debt elimination is the goal above credit building, it may be something to investigate.

Bankruptcy as the Last Option

If the debt is so overwhelming that it prevents you for providing for your basic needs, you may want to consider bankruptcy. Filing a bankruptcy petition in federal court is nobody’s idea of a walk in the park, but it can afford much needed relief in cases of wage garnishments, threats of foreclosure or repossession, and the feeling of hopelessness in the face of life-long debts, whether by choice (e.g. credit card), by medical necessity (medical bills and collection accounts), or unexpected financial hardships (e.g. job loss and divorce).

While bankruptcy will significantly harm your credit rating for seven to ten years, studies show that filers with protected retirement accounts are generally able to catch back up financially with the rest of their demographic cohort. You should keep in mind, when considering bankruptcy, that financial obligations such as student loans, child support, taxes, and criminal fines are not usually forgivable in court.

Turning your Savings Commitment into Your Most Important Monthly Bill

Commit to saving something – anything – from every paycheck, every tax return, every gift, and every unexpected amount of income to put toward your mutual goals. Consider a deposit into your savings accounts to be your first and most important household bill. Pay no one else before yourself. It does not have to be much, but consistency will trump amount in the long run.

Building your Happily Ever After One Dollar at a Time

Once the dust has settled and the two of you begin to feel settled into your married lives, make sure you continue to work together on your financial future. Additional tasks to address together will include the following:

Work toward your retirement hopes and plans. Consider visiting with a certified financial planner or a chartered financial analyst to make sure you are taking advantage of all financial tools you have available to you, such as a 401(k)/403(b) and Individual Retirement Accounts, to get you rolling down the path toward financial independence.

Determine what your home ownership goals are. Do you want to own sooner, later, never? Make sure you understand the long-term value along with the obligations that homeownership brings. If you choose to work toward homeownership, set up a down payment account to which you will automatically make deposits each month. Most new homeowners fail to realize that, beside the down payment, they will often need $5,000 to $10,000 or more to furnish their new home with furniture, appliances, window treatments, in addition to landscaping.

Do you and/or your spouse have additional education and professional training goals? Discuss the possibilities of saving for related expenses and compare those possibilities with taking out student loans. Make sure you understand the limitations of borrowing and the dangers of overborrowing compared to the possibly beneficial impact of reasonable student loan debt to increase your potential lifetime earnings.

Regularly discuss your views of household transportation needs and wants. Financial counselors regularly notice large car or truck payments as a common overspending habit in households going through bankruptcy. Make sure the two of you are on the same page when it comes to your transportation needs versus your transportation wants.

When it comes to saving for the education costs of a child or children you might have, discuss the importance of education with your child while also considering how human nature tends to value those things we invest our own resources in. Having “skin in the game,” so to speak, can inspire your child to focus on completing his or her education. Your priority as a couple, though, should always be your own retirement. After all, while your child can take out student loans for their education, there are no “retirement loans” you can take out to live on after turning 67.

Make it a habit to attend free financial education programs, whether in person or online as opportunities arise. Avoid paying for programs that charge, since you are paying for celebrity and hype more than content. gov offers a great list of resources to start with.

Finally, consider making “Generosity First” a way of life. While it seems counterintuitive, committing to give away a percentage of your income right off the top to charities, churches or causes close to your heart can benefit you financially in the long-term. Think of it this way: If you commit to giving $100 or $500 a month to a charity or church helping the homeless, you will be a better steward of your remaining money because your understanding of your needs and wants will be much more clearer and brighter than couples who care only for looking out for themselves. Instead of justifying extravagant lifestyles and fashionable purchases, you will be more likely to put your financial resources toward the short- and long-term goals you have identified as most important to the two of you. You will have greater strength to resist the American way of life that prioritizes the accumulation of possessions above relationship-building experiences. Discuss as a couple whether you will automate a specific amount or a specific percentage of your income, while talking about the cause most important to you as individuals and your new family unit.

As you approach or commence this exciting new stage of life’s journey, take advantage of the honeymoon period where very few topics are off limits to discussion, and where the sharing of ideas, hopes and dreams is accepted and considered by your partner. Finances may never be the most exciting topic to you in this life, but financial stability and success will breed emotional security and a closeness between the two of you that no amount of money will ever be able to buy. Financially stable love truly is grand!

from https://moneydoneright.com/newlywed-finances/ from http://thereallaptoplifestyle1.blogspot.com/2019/08/newlywed-finances-how-to-prevent.html

[enjoyinglife0]

Newlywed Finances: How to Prevent Financial Mistakes Before and After the Wedding

This is a guest post from Todd Christensen over at Money Fit by DRS, Inc.

Isn’t love grand? Falling in love is such an exciting time for creating dreams, sharing hopes, and focusing your emotional energies on building a lasting relationship! Who wants to spoil all the fun by talking about money, credit, debt and spending? No one, which is why so many couples return from their honeymoon to a financial nightmare that increases the stress that naturally begins to build in relationships that might stifle openness and hide fear.

Earlier generations made the mistake of believing discussions of money were impolite, rude, and even crass. In public, such discussions may still generate similar reactions, but inside a home and between couples, money talks should be not only frequent but the norm.

If you or your spouse (or spouse-to-be) tend to steer away from money topics, consider the following thoughts and ideas for starting conversations that can lead to sincere sharing of goals, fears and hopes surrounding personal finance. If you find this topic a bit scary, keep in mind the frightening alternatives of hiding income and spending from each other, growing apart due to diverging financial goals, and the stresses of over indebtedness.

Financially Preparing for the Wedding

While the cake, the dress and the reception band add to the beauty and thrill of the wedding day, the two of you need to discuss your financial priorities when it comes to your big event. ValuePenguin.com found in 2019 that the average wedding in the US costs nearly $30,000, ranging from $13,000 in Mississippi and Utah to nearly $90,000 in New York (Manhattan). By far, the largest wedding-day expense is the venue and catered food, far outstripping the engagement ring, the wedding dress and the photographer.

Without meaning to discourage any couple from having the wedding of their dreams, it must be noted that a 2014 study found a strong association between costly weddings and high divorce rates. The study concluded that couples who spend less on their wedding ceremonies report significantly less marital stress and actually stay married longer on average.

Making Post-Wedding Plans Together

As you discuss together the hopes and dreams you have for your future, keep in mind that many of those wishes will require money or financing to become a reality. Create a list of five financial goals the two of you would like to work toward. Examples might include home ownership within three years, family-related expenses such as children and vacations, and ideas and thoughts about long-term retirement.

Creating this list of mutually agreed upon hopes and wishes while planning the wedding can help both fiancé(e)s to stay grounded and focused on their most important goals. After all, an entire industry has sprung up in the past two generations to urge couples to go into more and more debt to create their “perfect” day. A written list of common financial goals can make it easier to decide whether you want to hold your wedding ceremony at a far-flung exotic location with 25 of your best friends, in your back yard with homemade soup and sheet cakes, or somewhere in between.

Financially Preparing for the Honeymoon

As you approach discussions about where to spend your honeymoon and how long you want it to last, share your thoughts about consumer debt and, more specifically, credit card debt. As you make plans for your honeymoon, keep in mind the importance of minimizing debts and the power credit card debt has to eat into your future financial goals thanks to average interest rates in the 15% to 17% range.

Still, using a credit card while traveling, especially internationally, tends to be a better choice security-wise than a debit card. If you lose your card or have it skimmed at a foreign ATM, you are less likely to be out any of your own money. After all, with the law on your side, you are liable for $50 at most if you report suspicious or fraudulent activity promptly to your credit card company.

If you take a credit card on your honeymoon, make sure to have enough cash saved up ahead of time to afford to pay off the credit card in full upon your return. Whether you have been married two weeks or two decades, coming home from a trip with a massive credit card bill is a sure way to increase stress and possibly even drive a wedge between you two.

Credit Cards and the Rollercoaster Analogy

Think about paying for your honeymoon like you would a favorite roller coaster at popular theme park. Most park visitors are willing to wait upwards of 60 minutes or more to ride a two-minute coaster. While waiting in line, you are discussing what the ride will be like, enjoying the thrill of the anticipation. After the ride, you share your experience positively with others you waited in line with. If, on the other hand, you had the opportunity to ride the roller coaster immediately, without waiting ahead of time, and were then required to stand in a “post-ride” line for the same 60 minutes, you would experience no anticipation whatsoever. Instead, the same 60 minutes would feel like punishment, leaving you frustrated and irritated.

This same principle applies to vacations and honeymoons. Saving up for the trip in advance creates a feeling of shared anticipation, whereas the debt resulting from a lack of preparation creates disappointment and even dissatisfaction and frustration with the experience. If you don’t have the financial means to pay for the vacation of your dreams as part of your honeymoon, consider a more affordable experience while setting a goal to save your exotic travel until your fifth or tenth anniversary. Besides the financial discipline, you will build the shared anticipation that brings couples closer together rather than pushing them further apart.

Financially Committing to Each Other after the Honeymoon is Over

While these suggestions should happen after your return from the honeymoon at the very latest, you may also consider putting them into place before the wedding. Each of these recommendations is, first and foremost, a commitment. Don’t think of these recommendations as committing to doing something for someone else’s benefit. Rather, they are commitments you make to each other, to your relationship and to your shared future.

The Weekly Financial Huddle

Commit to a meeting once a week for five to fifteen minutes on the same day and at the same time to hold a “financial huddle.” Come to the huddle with your checking account balanced so you can quickly review your short- and long-term financial goals.

Discuss upcoming bills, who will pay them, and what methods you will use to pay them (e.g. cash, check, online, debit card, autopay). Finish by returning to your goals to figure out what you can do the following week to accelerate your progress toward each one.

A Household Banking System that Works for You

Commit to setting up and using a household banking system that works for you as a couple. If you choose to keep your finances completely separate, be prepared for the possibility of feelings of inequality in the relationship, suspicion or even of being used or neglected. While keeping finances separated can work for some couples, consider combining household accounts into a single bill-paying account and multiple short- and long-term savings accounts for shared goals

The real key is having a separate account for each spouse with an equal amount of fun money. Each spouse can spend his or her monthly fun money however he or she so chooses, with no need be accountable to the other for that spending. So long as its legal and ethical within your relationship, each spouse can spend his or her “fun money” without fear of feeling guilty or irresponsible.

Creating a Household Spending Plan

Commit to creating and living within a household spending plan (aka budget) that maps out how to save for emergencies and your goals, to invest in the future, to pay your bills, and to have some fun. Consider the various forms of budgets available, from the traditional to the percentage-based to the account-based. Choose a spending plan you are both comfortable with and can both believe in.

Insuring Your Future Together

Commit to insuring your present and your future together. Choose an insurance company you are both comfortable with so you can consider combining your vehicle insurance and your renters insurance policies, taking advantage of multiple-policy discounts.

Building Your Credit Together

Commit to keeping (or getting) your credit ratings in great shape. You do not have to aim for 800 (top 10%), but 750 or up will not only get you the best interest rates on your future mortgage and other loans but will typically mean lower car and homeowner insurance premiums, increased likelihood of positive job interviews, lower utility security deposits, and even getting you into the apartment complex of your choice. If either of you struggle with a poor credit rating, find 17 tips for improving it here.

If your spouse comes into the marriage with terrible credit, take comfort in the fact that his or her pre-marriage credit will have no effect on your rating. Only accounts opened jointly (commonly after the wedding) will change your credit score, for better or for worse. Rather than joint credit card account, you may want to consider adding your spouse to your credit card account as an authorized user to avoid any harm to your credit rating.

Creating a Debt Elimination Strategy

While debts incurred prior to your marriage will not affect each other’s credit rating and will not legally bind the other spouse to the debt obligation, keep in mind that your individual goals will tend to give way to your couple goals. Done right, this is not a loss of individual freedoms or the surrender of your personality to the “greater good” but the building of something that is greater, more beautiful and more enjoyable than the sum of its parts. Creating a debt elimination plan might involve slow and steady debt payments to credit card companies, student loan service providers, car loan companies, and others.

If you can afford to repay your debts together without turning to an outside party, look at these four methods of accelerating your debt freedom day as painlessly as possible, including the debt avalanche, snowball, landslide and cascade methods.

Third-party Debt Elimination Options

If you need to turn to a third-party, look first to a nonprofit credit counseling agency that belongs to a national trade association such as the FCAA. Such agencies work with your creditors to lower your interest rates and get you out of debt within 5 years or less. They are likely to have fees, but any fees will be capped and regulated by your state of residence.

In a few cases, working with your creditors to negotiate a less-than-balance-owed payoff might be an option. This method, known as debt settlement, will have long-lasting negative effects on your credit rating, but if debt elimination is the goal above credit building, it may be something to investigate.

Bankruptcy as the Last Option

If the debt is so overwhelming that it prevents you for providing for your basic needs, you may want to consider bankruptcy. Filing a bankruptcy petition in federal court is nobody’s idea of a walk in the park, but it can afford much needed relief in cases of wage garnishments, threats of foreclosure or repossession, and the feeling of hopelessness in the face of life-long debts, whether by choice (e.g. credit card), by medical necessity (medical bills and collection accounts), or unexpected financial hardships (e.g. job loss and divorce).

While bankruptcy will significantly harm your credit rating for seven to ten years, studies show that filers with protected retirement accounts are generally able to catch back up financially with the rest of their demographic cohort. You should keep in mind, when considering bankruptcy, that financial obligations such as student loans, child support, taxes, and criminal fines are not usually forgivable in court.

Turning your Savings Commitment into Your Most Important Monthly Bill

Commit to saving something – anything – from every paycheck, every tax return, every gift, and every unexpected amount of income to put toward your mutual goals. Consider a deposit into your savings accounts to be your first and most important household bill. Pay no one else before yourself. It does not have to be much, but consistency will trump amount in the long run.

Building your Happily Ever After One Dollar at a Time

Once the dust has settled and the two of you begin to feel settled into your married lives, make sure you continue to work together on your financial future. Additional tasks to address together will include the following:

Work toward your retirement hopes and plans. Consider visiting with a certified financial planner or a chartered financial analyst to make sure you are taking advantage of all financial tools you have available to you, such as a 401(k)/403(b) and Individual Retirement Accounts, to get you rolling down the path toward financial independence.

Determine what your home ownership goals are. Do you want to own sooner, later, never? Make sure you understand the long-term value along with the obligations that homeownership brings. If you choose to work toward homeownership, set up a down payment account to which you will automatically make deposits each month. Most new homeowners fail to realize that, beside the down payment, they will often need $5,000 to $10,000 or more to furnish their new home with furniture, appliances, window treatments, in addition to landscaping.

Do you and/or your spouse have additional education and professional training goals? Discuss the possibilities of saving for related expenses and compare those possibilities with taking out student loans. Make sure you understand the limitations of borrowing and the dangers of overborrowing compared to the possibly beneficial impact of reasonable student loan debt to increase your potential lifetime earnings.

Regularly discuss your views of household transportation needs and wants. Financial counselors regularly notice large car or truck payments as a common overspending habit in households going through bankruptcy. Make sure the two of you are on the same page when it comes to your transportation needs versus your transportation wants.

When it comes to saving for the education costs of a child or children you might have, discuss the importance of education with your child while also considering how human nature tends to value those things we invest our own resources in. Having “skin in the game,” so to speak, can inspire your child to focus on completing his or her education. Your priority as a couple, though, should always be your own retirement. After all, while your child can take out student loans for their education, there are no “retirement loans” you can take out to live on after turning 67.

Make it a habit to attend free financial education programs, whether in person or online as opportunities arise. Avoid paying for programs that charge, since you are paying for celebrity and hype more than content. gov offers a great list of resources to start with.

Finally, consider making “Generosity First” a way of life. While it seems counterintuitive, committing to give away a percentage of your income right off the top to charities, churches or causes close to your heart can benefit you financially in the long-term. Think of it this way: If you commit to giving $100 or $500 a month to a charity or church helping the homeless, you will be a better steward of your remaining money because your understanding of your needs and wants will be much more clearer and brighter than couples who care only for looking out for themselves. Instead of justifying extravagant lifestyles and fashionable purchases, you will be more likely to put your financial resources toward the short- and long-term goals you have identified as most important to the two of you. You will have greater strength to resist the American way of life that prioritizes the accumulation of possessions above relationship-building experiences. Discuss as a couple whether you will automate a specific amount or a specific percentage of your income, while talking about the cause most important to you as individuals and your new family unit.

As you approach or commence this exciting new stage of life’s journey, take advantage of the honeymoon period where very few topics are off limits to discussion, and where the sharing of ideas, hopes and dreams is accepted and considered by your partner. Finances may never be the most exciting topic to you in this life, but financial stability and success will breed emotional security and a closeness between the two of you that no amount of money will ever be able to buy. Financially stable love truly is grand!

from https://moneydoneright.com/newlywed-finances/ from https://success11011.blogspot.com/2019/08/newlywed-finances-how-to-prevent.html

[success0]

Newlywed Finances: How to Prevent Financial Mistakes Before and After the Wedding

This is a guest post from Todd Christensen over at Money Fit by DRS, Inc.

Isn’t love grand? Falling in love is such an exciting time for creating dreams, sharing hopes, and focusing your emotional energies on building a lasting relationship! Who wants to spoil all the fun by talking about money, credit, debt and spending? No one, which is why so many couples return from their honeymoon to a financial nightmare that increases the stress that naturally begins to build in relationships that might stifle openness and hide fear.

Earlier generations made the mistake of believing discussions of money were impolite, rude, and even crass. In public, such discussions may still generate similar reactions, but inside a home and between couples, money talks should be not only frequent but the norm.

If you or your spouse (or spouse-to-be) tend to steer away from money topics, consider the following thoughts and ideas for starting conversations that can lead to sincere sharing of goals, fears and hopes surrounding personal finance. If you find this topic a bit scary, keep in mind the frightening alternatives of hiding income and spending from each other, growing apart due to diverging financial goals, and the stresses of over indebtedness.

Financially Preparing for the Wedding

While the cake, the dress and the reception band add to the beauty and thrill of the wedding day, the two of you need to discuss your financial priorities when it comes to your big event. ValuePenguin.com found in 2019 that the average wedding in the US costs nearly $30,000, ranging from $13,000 in Mississippi and Utah to nearly $90,000 in New York (Manhattan). By far, the largest wedding-day expense is the venue and catered food, far outstripping the engagement ring, the wedding dress and the photographer.

Without meaning to discourage any couple from having the wedding of their dreams, it must be noted that a 2014 study found a strong association between costly weddings and high divorce rates. The study concluded that couples who spend less on their wedding ceremonies report significantly less marital stress and actually stay married longer on average.

Making Post-Wedding Plans Together

As you discuss together the hopes and dreams you have for your future, keep in mind that many of those wishes will require money or financing to become a reality. Create a list of five financial goals the two of you would like to work toward. Examples might include home ownership within three years, family-related expenses such as children and vacations, and ideas and thoughts about long-term retirement.

Creating this list of mutually agreed upon hopes and wishes while planning the wedding can help both fiancé(e)s to stay grounded and focused on their most important goals. After all, an entire industry has sprung up in the past two generations to urge couples to go into more and more debt to create their “perfect” day. A written list of common financial goals can make it easier to decide whether you want to hold your wedding ceremony at a far-flung exotic location with 25 of your best friends, in your back yard with homemade soup and sheet cakes, or somewhere in between.

Financially Preparing for the Honeymoon

As you approach discussions about where to spend your honeymoon and how long you want it to last, share your thoughts about consumer debt and, more specifically, credit card debt. As you make plans for your honeymoon, keep in mind the importance of minimizing debts and the power credit card debt has to eat into your future financial goals thanks to average interest rates in the 15% to 17% range.

Still, using a credit card while traveling, especially internationally, tends to be a better choice security-wise than a debit card. If you lose your card or have it skimmed at a foreign ATM, you are less likely to be out any of your own money. After all, with the law on your side, you are liable for $50 at most if you report suspicious or fraudulent activity promptly to your credit card company.

If you take a credit card on your honeymoon, make sure to have enough cash saved up ahead of time to afford to pay off the credit card in full upon your return. Whether you have been married two weeks or two decades, coming home from a trip with a massive credit card bill is a sure way to increase stress and possibly even drive a wedge between you two.

Credit Cards and the Rollercoaster Analogy

Think about paying for your honeymoon like you would a favorite roller coaster at popular theme park. Most park visitors are willing to wait upwards of 60 minutes or more to ride a two-minute coaster. While waiting in line, you are discussing what the ride will be like, enjoying the thrill of the anticipation. After the ride, you share your experience positively with others you waited in line with. If, on the other hand, you had the opportunity to ride the roller coaster immediately, without waiting ahead of time, and were then required to stand in a “post-ride” line for the same 60 minutes, you would experience no anticipation whatsoever. Instead, the same 60 minutes would feel like punishment, leaving you frustrated and irritated.

This same principle applies to vacations and honeymoons. Saving up for the trip in advance creates a feeling of shared anticipation, whereas the debt resulting from a lack of preparation creates disappointment and even dissatisfaction and frustration with the experience. If you don’t have the financial means to pay for the vacation of your dreams as part of your honeymoon, consider a more affordable experience while setting a goal to save your exotic travel until your fifth or tenth anniversary. Besides the financial discipline, you will build the shared anticipation that brings couples closer together rather than pushing them further apart.

Financially Committing to Each Other after the Honeymoon is Over

While these suggestions should happen after your return from the honeymoon at the very latest, you may also consider putting them into place before the wedding. Each of these recommendations is, first and foremost, a commitment. Don’t think of these recommendations as committing to doing something for someone else’s benefit. Rather, they are commitments you make to each other, to your relationship and to your shared future.

The Weekly Financial Huddle

Commit to a meeting once a week for five to fifteen minutes on the same day and at the same time to hold a “financial huddle.” Come to the huddle with your checking account balanced so you can quickly review your short- and long-term financial goals.

Discuss upcoming bills, who will pay them, and what methods you will use to pay them (e.g. cash, check, online, debit card, autopay). Finish by returning to your goals to figure out what you can do the following week to accelerate your progress toward each one.

A Household Banking System that Works for You

Commit to setting up and using a household banking system that works for you as a couple. If you choose to keep your finances completely separate, be prepared for the possibility of feelings of inequality in the relationship, suspicion or even of being used or neglected. While keeping finances separated can work for some couples, consider combining household accounts into a single bill-paying account and multiple short- and long-term savings accounts for shared goals

The real key is having a separate account for each spouse with an equal amount of fun money. Each spouse can spend his or her monthly fun money however he or she so chooses, with no need be accountable to the other for that spending. So long as its legal and ethical within your relationship, each spouse can spend his or her “fun money” without fear of feeling guilty or irresponsible.

Creating a Household Spending Plan

Commit to creating and living within a household spending plan (aka budget) that maps out how to save for emergencies and your goals, to invest in the future, to pay your bills, and to have some fun. Consider the various forms of budgets available, from the traditional to the percentage-based to the account-based. Choose a spending plan you are both comfortable with and can both believe in.

Insuring Your Future Together

Commit to insuring your present and your future together. Choose an insurance company you are both comfortable with so you can consider combining your vehicle insurance and your renters insurance policies, taking advantage of multiple-policy discounts.

Building Your Credit Together

Commit to keeping (or getting) your credit ratings in great shape. You do not have to aim for 800 (top 10%), but 750 or up will not only get you the best interest rates on your future mortgage and other loans but will typically mean lower car and homeowner insurance premiums, increased likelihood of positive job interviews, lower utility security deposits, and even getting you into the apartment complex of your choice. If either of you struggle with a poor credit rating, find 17 tips for improving it here.

If your spouse comes into the marriage with terrible credit, take comfort in the fact that his or her pre-marriage credit will have no effect on your rating. Only accounts opened jointly (commonly after the wedding) will change your credit score, for better or for worse. Rather than joint credit card account, you may want to consider adding your spouse to your credit card account as an authorized user to avoid any harm to your credit rating.

Creating a Debt Elimination Strategy

While debts incurred prior to your marriage will not affect each other’s credit rating and will not legally bind the other spouse to the debt obligation, keep in mind that your individual goals will tend to give way to your couple goals. Done right, this is not a loss of individual freedoms or the surrender of your personality to the “greater good” but the building of something that is greater, more beautiful and more enjoyable than the sum of its parts. Creating a debt elimination plan might involve slow and steady debt payments to credit card companies, student loan service providers, car loan companies, and others.

If you can afford to repay your debts together without turning to an outside party, look at these four methods of accelerating your debt freedom day as painlessly as possible, including the debt avalanche, snowball, landslide and cascade methods.

Third-party Debt Elimination Options

If you need to turn to a third-party, look first to a nonprofit credit counseling agency that belongs to a national trade association such as the FCAA. Such agencies work with your creditors to lower your interest rates and get you out of debt within 5 years or less. They are likely to have fees, but any fees will be capped and regulated by your state of residence.

In a few cases, working with your creditors to negotiate a less-than-balance-owed payoff might be an option. This method, known as debt settlement, will have long-lasting negative effects on your credit rating, but if debt elimination is the goal above credit building, it may be something to investigate.

Bankruptcy as the Last Option

If the debt is so overwhelming that it prevents you for providing for your basic needs, you may want to consider bankruptcy. Filing a bankruptcy petition in federal court is nobody’s idea of a walk in the park, but it can afford much needed relief in cases of wage garnishments, threats of foreclosure or repossession, and the feeling of hopelessness in the face of life-long debts, whether by choice (e.g. credit card), by medical necessity (medical bills and collection accounts), or unexpected financial hardships (e.g. job loss and divorce).

While bankruptcy will significantly harm your credit rating for seven to ten years, studies show that filers with protected retirement accounts are generally able to catch back up financially with the rest of their demographic cohort. You should keep in mind, when considering bankruptcy, that financial obligations such as student loans, child support, taxes, and criminal fines are not usually forgivable in court.

Turning your Savings Commitment into Your Most Important Monthly Bill

Commit to saving something – anything – from every paycheck, every tax return, every gift, and every unexpected amount of income to put toward your mutual goals. Consider a deposit into your savings accounts to be your first and most important household bill. Pay no one else before yourself. It does not have to be much, but consistency will trump amount in the long run.

Building your Happily Ever After One Dollar at a Time

Once the dust has settled and the two of you begin to feel settled into your married lives, make sure you continue to work together on your financial future. Additional tasks to address together will include the following:

Work toward your retirement hopes and plans. Consider visiting with a certified financial planner or a chartered financial analyst to make sure you are taking advantage of all financial tools you have available to you, such as a 401(k)/403(b) and Individual Retirement Accounts, to get you rolling down the path toward financial independence.

Determine what your home ownership goals are. Do you want to own sooner, later, never? Make sure you understand the long-term value along with the obligations that homeownership brings. If you choose to work toward homeownership, set up a down payment account to which you will automatically make deposits each month. Most new homeowners fail to realize that, beside the down payment, they will often need $5,000 to $10,000 or more to furnish their new home with furniture, appliances, window treatments, in addition to landscaping.

Do you and/or your spouse have additional education and professional training goals? Discuss the possibilities of saving for related expenses and compare those possibilities with taking out student loans. Make sure you understand the limitations of borrowing and the dangers of overborrowing compared to the possibly beneficial impact of reasonable student loan debt to increase your potential lifetime earnings.

Regularly discuss your views of household transportation needs and wants. Financial counselors regularly notice large car or truck payments as a common overspending habit in households going through bankruptcy. Make sure the two of you are on the same page when it comes to your transportation needs versus your transportation wants.

When it comes to saving for the education costs of a child or children you might have, discuss the importance of education with your child while also considering how human nature tends to value those things we invest our own resources in. Having “skin in the game,” so to speak, can inspire your child to focus on completing his or her education. Your priority as a couple, though, should always be your own retirement. After all, while your child can take out student loans for their education, there are no “retirement loans” you can take out to live on after turning 67.

Make it a habit to attend free financial education programs, whether in person or online as opportunities arise. Avoid paying for programs that charge, since you are paying for celebrity and hype more than content. gov offers a great list of resources to start with.

Finally, consider making “Generosity First” a way of life. While it seems counterintuitive, committing to give away a percentage of your income right off the top to charities, churches or causes close to your heart can benefit you financially in the long-term. Think of it this way: If you commit to giving $100 or $500 a month to a charity or church helping the homeless, you will be a better steward of your remaining money because your understanding of your needs and wants will be much more clearer and brighter than couples who care only for looking out for themselves. Instead of justifying extravagant lifestyles and fashionable purchases, you will be more likely to put your financial resources toward the short- and long-term goals you have identified as most important to the two of you. You will have greater strength to resist the American way of life that prioritizes the accumulation of possessions above relationship-building experiences. Discuss as a couple whether you will automate a specific amount or a specific percentage of your income, while talking about the cause most important to you as individuals and your new family unit.

As you approach or commence this exciting new stage of life’s journey, take advantage of the honeymoon period where very few topics are off limits to discussion, and where the sharing of ideas, hopes and dreams is accepted and considered by your partner. Finances may never be the most exciting topic to you in this life, but financial stability and success will breed emotional security and a closeness between the two of you that no amount of money will ever be able to buy. Financially stable love truly is grand!

from https://moneydoneright.com/newlywed-finances/

[davidoespailla]

‘Help! My Luxury Rental Was Turned Into a College Dorm’

realtor.com; The King's College

Finally! After years of scraping by in cramped apartments in sketchy neighborhoods, you’ve made it—into a luxury rental with a doorman, concierge service, gym, bike room, and other posh amenities. It seems perfect.

Then you meet your neighbors, sunning themselves on the roof deck. Topless.

Sound like the opening to a Skinemax flick? On the contrary, it’s a reality for residents at The Azure, a new high-end apartment building in Brooklyn, NY.

“There were girls sunbathing topless up there,” one tenant with a child told the New York Post. “My wife was, like, ‘WTF?!’ There are a lot of families [here].”

You see, The Azure was facing significant vacancies, so the management company decided to rent out 30% of its units to King’s College, a liberal arts school in lower Manhattan. The result? Families who paid top dollar to live in a building with a business center, cold storage space for grocery deliveries, and other luxe features suddenly found themselves in what felt like a college dorm. A “dormdominium”! And you know what that probably means: late-night parties with eau de weed wafting through the halls and, um, some awkward bump-ins during rooftop barbecues with bikini-clad (or unclad) residents. And noise. Lots of noise.

“We bought into the luxury experience of the nice rooftop,” another tenant lamented. “We didn’t expect it to be packed with 18-year-olds.”

When luxury apartments turn into dorms: Why it happens

This rude awakening for well-heeled renters isn’t as unusual as you might think. It’s just what many luxury developers may find themselves doing now that the high-end rental market is softening, leaving empty apartments that must be filled to make ends meet.

“Building owners stuck with vacant properties will try to rent them to whoever they can within reason,” says Aaron Shmulewitz, a real estate attorney with Belkin Burden Wenig & Goldman in New York City. “When the economy goes bad, building owners have to scramble.”

Part of the problem is that a few years ago, the housing market was going so strong, developers got bullish on building—only to find themselves in a more sluggish market once their structures were complete.

“Opening a residential building is a many, many-year process,” says David Reiss, research director at the Center for Urban Business Entrepreneurship at Brooklyn Law School. “You have to acquire the site, you have to get financing, perhaps you have to get zoning approvals, you have to get your plans approved … then you have to build it and then you have to market it. You’re talking about years of work.”

Many of these builders were likely banking on the possibility that rental demand would just keep going up and up—but they bet wrong.

“We have a large amount of supply that came into the market within a fairly short period of time,” says Edward Mermelstein, a real estate attorney with One and Only Holdings in New York City. “At the same time, the demand has waned substantially.”

How do college kids afford a luxury rental, anyway?

While luxury rentals in any other city might be hurting right about now, New York is well-positioned to solve this problem, thanks to its high student population and limited dorm space.

“Renting to college students in Manhattan or Brooklyn has always been a trend, as there’s a total of almost 250,000 active students on this small island,” says Michael Jeneralczuk, a real estate agent with REAL New York. “With that said, luxury apartments are usually outside of student budgets.”

While a luxury rental might be outside of any individual student’s budget, a larger group of students can make it work. According to the Post, the King’s College students are paying a combined $6,000 per month for a two-bedroom apartment housing four people, which comes to $1,500 per person. This is more affordable than trying to rent alone; even a studio apartment at The Azure starts at $2,399 per month, according to the building’s website.

Meanwhile, the nonstudent rate for a two-bedroom apartment at The Azure starts at $3,391 per month. So by renting to King’s College students, the building is also making almost twice as much per apartment. So, at least for these two parties, it’s a win-win.

“It’s an opportunity to fill vacant apartments and collect rent,” says Becki Danchik, a real estate agent with Warburg Realty in New York City.

Given that the luxury rental market is slowing down nationwide, does this mean renters across the country might expect college-aged neighbors soon, too?

According to Reiss, it depends on development levels. In Los Angeles, construction has stalled, so apartments are filling up. Seattle, on the other hand, is facing similar issues as New York City.

“Seattle has had a construction boom, which means there are a lot of empty apartments,” says Reiss. “You face a similar situation where landlords are going to look to find some way to rent those out and make their money back.”

How to deal with college-aged neighbors

So if you come home one day to find a gaggle of college kids moving in—and assuming you’re so over college life—what can you do? For starters, you can’t just tell your landlord you’re breaking your lease and moving out because a bunch of Gen Z folks live next door.

“For regular tenants who were already living there, it cannot legally be a function of ‘Well, you rented the next-door apartment to a college student and therefore I can break my lease,'” says Shmulewitz, the real estate attorney with Belkin Burden Wenig & Goldman.

However, you do have a right to peace and quiet in your home—so if those college students are breaking any lease rules on noise, drugs, or indecent exposure, you have a good case to shut that stuff down.

The best place to start may be with talking to the students directly. They may not understand that the regular, working folks living next door need sleep. Or they might just need a reminder.

And if they don’t listen? Most apartment buildings have rules against excessive noise and au naturel sunbathing, so it’s time to nudge management about actually enforcing those rules.

“Every building has guidelines to create a certain atmosphere,” says Mermelstein. “Sometimes that gets a bit relaxed and the economy dictates what winds up being accepted by ownership.”

If talking to your neighbors and your landlord doesn’t work, you have a case for breaking your lease or discontinuing rent payments if other tenants are disturbing your quality of life.

“Most residential leases contain a clause that guarantees the right to ‘quiet enjoyment,'” says Heather Carbone, a real estate agent in Boston. “It is an implied warranty of habitability.”

To make a case, Shmulewitz says you must document your complaints. He recommends sending an email to your landlord as close to the time of the incident as possible and including documentation (e.g., a sound recording if you’re complaining about noise).

At that point, the landlord may enforce the rules and could even begin eviction proceedings. Ideally, the landlord would work with your concerns, but if not, “the next step would be to claim a constructive eviction,” says Shmulewitz.

“You would tell the landlord, ‘You’ve made me unable to live in my home. I’m leaving and I’m not paying your rent anymore,'” says Shmulewitz. If only one of the rooms is uninhabitable due to noise or odor, then you might consider not paying full rent.

How to avoid this situation in the first place

One approach to avoiding this type of situation in the first place might be to ask questions about who lives in the apartment buildings you’re considering. You probably won’t get an answer, though.

“Real estate agents cannot legally speak about who lives in a building,” says Danchik. This is to help prevent housing discrimination and to stay in compliance with the Fair Housing Act.

As an alternative, Jeneralczuk recommends spending some time in the building.

“Sit in the lobby for half an hour or more,” he says. “Tour the amenities a few times, and check out the area.”

Carbone suggests looking for online reviews of potential apartments. “A quick search might help shed some light on potential issues as well,” she says.

You could also look for rentals in co-ops and condo buildings. Danchik says that these buildings have a much more involved approval process, and “individual owners tend to be a bit more cautious about subletting.” To college kids or otherwise.

The post ‘Help! My Luxury Rental Was Turned Into a College Dorm’ appeared first on Real Estate News & Insights | realtor.com®.

‘Help! My Luxury Rental Was Turned Into a College Dorm’

[samuelfields]

Maxing Out Your 401(k) Is A Choice On An Average Income: $55K In D.C.

After Sam published his article, Achieving Financial Freedom On A Modest Income In Manhattan, I was fascinated to observe some of the no-can-do responses he received from his readers.

Instead of focusing on Sam’s message of cutting down housing costs, distracting yourself from spending temptation by working more than the average American, and building extra side income while you are young, the naysayers could not accept that he saved 30% of his $40,000 salary even when he did.

They said people making a similar income in today’s dollars would have no chance. Well I make a similar income in today’s dollars and I save an even higher percentage.

There’s a great saying: whether you think you can or you can’t, you’re right. It seems like no matter how much you demonstrate what’s possible, people don’t believe in themselves.

I used to be very salty against those who earned more than I did too. My parents didn’t pay for college, so I had to work ~15 hours a week during school and 30 hours a week each summer to afford my public school tuition. I also lived at home for the first two years of college as well to save money.

But when I graduated from George Mason University in December 2016, I didn’t have any debt. Tuition averaged only about $10,000 a year for my four years there so I handled it like a boss.

I studied accounting, the most boring major in the world. But I knew the chance of getting a decent paying job out of school was high.

I did not have the luxury of studying History or English like my rich private school friends who went to American, George Washington, or Georgetown.

A Decent Job Offer

I got two job offers after college, one for $45,000 and the other for $50,000. I took the higher one. It’s not like crunching numbers suddenly gets more exciting if you work for a major entertainment company versus an international hotel chain.

Over time, I will make more money as I gain more experience. My ultimate goal is to make $100,000 within 10 years after graduating from college if not sooner. Not unreasonable by any stretch of the imagination.

At the age of 25, I now earn $55,000 a year – 10% higher from when I first started two years ago. $55,000 feels like a healthy amount to me, but I’m a simple guy with simple pleasures.

In 2017 and 2018, I contributed the maximum $18,500 to my 401(k). For 2019, I plan to max out my 401(k) again with $19,000. $19,000 is equivalent to 35% of my gross income and I don’t find the amount a burden.

Instead, I find the idea of working for the next 40 years as an accountant to be the biggest soul-crushing burden of them all! Hence, I save and save some more.

Maxing Out My 401(k) While Earning $55,000 In Washington D.C.

Here’s my budget for those curious to see how I’m able to have about $40,000 in my 401(k) in only two years.

It’s nice that my employer matches up to $3,500 a year. Seeing the money pile up in my 401(k) is addicting and I don’t plan to stop.

With a $55,000 salary, I earn $2,115 gross every two weeks. Therefore, in order to max out my 401(k), I instructed my firm to take 35% ($740) out of each paycheck for my 401(k) contribution.

My asset allocation split is 90% stocks, 10% bonds. I plan to stay with this asset allocation until my 30s.

With $740 taken out, I’m left with $1,375 in gross income. I’ve got to pay $70 pre-tax in healthcare premiums, FICA tax of 7.65% (6.2% Social Security + 1.45% Medicare), 12% Federal income tax, and 5% Virginia income tax.

When it’s all said and done, I’m left with about $1,000 every two weeks to spend how I will. $1,000 in spending money isn’t a lot, but it’s enough for me to live a comfortable life. It feels great knowing that even if I spend the entire $1,000, I’m still aggressively saving for retirement.

Also, I’m guessing I’ll be getting a ~$3,000 tax refund back given the standard deduction is $12,000 and my taxable income is only $36,000. We shall see.

My job is not exciting, but it’s fine. I like the people I work with and I only average 40-45 hours a week. Things will get busier during Feb – April, but overall, the work hours are reasonable.

I get in about 8:30am and leave by 5:30pm for nine months of the year.

Housing Costs ($1,150/month)

I rent a nice three bedroom, two bathroom apartment in Arlington, Virginia with two other roommates for a total of $3,600 a month. The location is great. We have a nice balcony, fancy kitchen appliances we never use, and a small gym with a sauna in our building. Given my room is a little smaller, my share of the rent is $1,100 a month.

My share for cable, internet, and utilities comes to $50 a month, which isn’t bad given it’s being split three ways. We love to have friends over to watch football and basketball during the weekends. Obviously, we use a friend’s Netflix account for free to watch Ozarks (money laundering accountant) and other shows.

When you can share costs with other people, it feels like you’re getting great value.

Everything Else ($835/month)

Given I only make about $1,000 each paycheck, you can see how I’m spending almost 100% of each month’s salary. But again, that’s fine with me because I know that my 401(k) is getting maxed out.

Paying yourself first truly is the best thing ever. As a result, I hardly ever feel guilty about spending any money.

I’ve got my Metro monthly pass that gets me everywhere I want to go around the city.

I’ve also budgeted about $1,000 a year to go on a couple weeks of vacation. Nothing fancy, but enough to have a good time.

I don’t have a gym membership because I hate being cooped up in a room exercising. Running and biking outside feels so much better. I try and do 150 sit-ups and 60 push-ups every other day as well.

Side Hustling (+$500/month)

Given I only work 40-45 hours a week, I spend another five hours a week on average doing copyediting for a tax and financial website. I can easily bang out a couple hours of work in one evening or do a little bit of work in the morning before heading off to my day job.

They pay me $25 / hour, which comes out to $52,000 a year based on a 40 hour work week.

I use the $500 a month in extra income to build my after-tax Wealthfront account, which I opened two years ago. I’ll be able to contribute at least $6,000 each year in this account while also saving $19,000 in my 401(k) each year.

In 20 years, my after-tax investment account should grow to about $300,000 using a moderate 6.5% annual growth rate and a $6,000 annual contribution rate, giving me the opportunity to do new things if I want.

Given my side hustle income isn’t very high, I don’t have to pay estimated taxes. My goal is to ultimately generate $10,000 a year in extra income mostly by raising my rate, to save for my future. I strongly feel $300,000 in my after-tax account in 20 years is a conservative estimate.

There are so many ways to make extra income online now, you just have to look. I have the capacity to regularly work 60 hours a week without feeling burned out. I might as well take advantage while I’ve still got the energy.

Everybody is able to earn some side hustle income if they want to. But not everybody wants money bad enough to do something extra about it.

Financial Freedom On An Average Income

A $55,000 a year salary might not sound like that much to you, especially in the expensive Washington D.C. area, but it’s plenty enough for me.

Within five years, I’m confident my salary will increase to $70,000+. By then, I will have enough for a down payment on my own place so that I can rent out rooms to other people to help pay my mortgage.

In another five years, I expect my salary to surpass $100,000. If I’m lucky enough to find the love of my life, we’ll have an even higher combined salary so we can live alone. I’ve got to imagine life will be even more affordable as a unit.

Who knows, but with enough dedication, maybe I can grow my side hustle income to $20,000 a year for a combined gross income of $120,000 a year by age 35.

I know I’m lucky not to have crushing student loan debt. But I also made a decision to go to my hometown state school while also working on the side. The vast majority of my friends didn’t work regularly while in school. Instead, they took vacations during the summers and winters and partied every week.

Be honest with yourself regarding how much you’re spending, how much you’re saving, and how much you’re hustling. If you’re coming home each night binging on Netflix or going out to the bars with your friends on a regular basis, you’re not maximizing your earnings potential.

Financial freedom is all about making choices. My choice is to have a lot more choices by the time I turn 40. – Young Samurai

Readers, do you think maxing out a 401(k) on a modest income is a choice? If so, why don’t more people aggressively save for their financial future? If not, what is going on? Why do some people have a no-can-do attitude even when they see others in a similar situation make things happen?

Related Posts:

Save For A Down Payment Or Invest In My 401(k)?

Explaining Why The Median 401(k) Balance Is So Low

When Earning $1 Million A Year Isn’t Enough To Retire Early

The post Maxing Out Your 401(k) Is A Choice On An Average Income: $55K In D.C. appeared first on Financial Samurai.

from Finance https://www.financialsamurai.com/maxing-out-your-401k-is-a-choice-on-an-average-income/ via http://www.rssmix.com/

[ronaldmrashid]

Maxing Out Your 401(k) Is A Choice On An Average Income: $55K In D.C.

After Sam published his article, Achieving Financial Freedom On A Modest Income In Manhattan, I was fascinated to observe some of the no-can-do responses he received from his readers.

Instead of focusing on Sam’s message of cutting down housing costs, distracting yourself from spending temptation by working more than the average American, and building extra side income while you are young, the naysayers could not accept that he saved 30% of his $40,000 salary even when he did.

They said people making a similar income in today’s dollars would have no chance. Well I make a similar income in today’s dollars and I save an even higher percentage.

There’s a great saying: whether you think you can or you can’t, you’re right. It seems like no matter how much you demonstrate what’s possible, people don’t believe in themselves.

I used to be very salty against those who earned more than I did too. My parents didn’t pay for college, so I had to work ~15 hours a week during school and 30 hours a week each summer to afford my public school tuition. I also lived at home for the first two years of college as well to save money.

But when I graduated from George Mason University in December 2016, I didn’t have any debt. Tuition averaged only about $10,000 a year for my four years there so I handled it like a boss.

I studied accounting, the most boring major in the world. But I knew the chance of getting a decent paying job out of school was high.

I did not have the luxury of studying History or English like my rich private school friends who went to American, George Washington, or Georgetown.

A Decent Job Offer

I got two job offers after college, one for $45,000 and the other for $50,000. I took the higher one. It’s not like crunching numbers suddenly gets more exciting if you work for a major entertainment company versus an international hotel chain.

Over time, I will make more money as I gain more experience. My ultimate goal is to make $100,000 within 10 years after graduating from college if not sooner. Not unreasonable by any stretch of the imagination.

At the age of 25, I now earn $55,000 a year – 10% higher from when I first started two years ago. $55,000 feels like a healthy amount to me, but I’m a simple guy with simple pleasures.

In 2017 I contributed $18,000 to my 401(k) and in 2018 I contributed $18,500 to my 401(k). For 2019, I plan to max out my 401(k) again with $19,000. $19,000 is equivalent to 35% of my gross income and I don’t find the amount a burden.

Instead, I find the idea of working for the next 40 years as an accountant to be the biggest soul-crushing burden of them all! Hence, I save and save some more.

Maxing Out My 401(k) While Earning $55,000 In Washington D.C.

Here’s my budget for those curious to see how I’m able to have about $40,000 in my 401(k) in only two years.

It’s nice that my employer matches up to $3,500 a year. Seeing the money pile up in my 401(k) is addicting and I don’t plan to stop.

With a $55,000 salary, I earn $2,115 gross every two weeks. Therefore, in order to max out my 401(k), I instructed my firm to take 35% ($740) out of each paycheck for my 401(k) contribution.

My asset allocation split is 90% stocks, 10% bonds. I plan to stay with this asset allocation until my 30s.

With $740 taken out, I’m left with $1,375 in gross income. I’ve got to pay $70 pre-tax in healthcare premiums, FICA tax of 7.65% (6.2% Social Security + 1.45% Medicare), 12% Federal income tax, and 5% Virginia income tax.

When it’s all said and done, I’m left with about $1,000 every two weeks to spend how I will. $1,000 in spending money isn’t a lot, but it’s enough for me to live a comfortable life. It feels great knowing that even if I spend the entire $1,000, I’m still aggressively saving for retirement.

Also, I’m guessing I’ll be getting a ~$3,000 tax refund back given the standard deduction is $12,000 and my taxable income is only $36,000. We shall see.

My job is not exciting, but it’s fine. I like the people I work with and I only average 40-45 hours a week. Things will get busier during Feb – April, but overall, the work hours are reasonable.

I get in about 8:30am and leave by 5:30pm for nine months of the year.

Housing Costs ($1,150/month)

I rent a nice three bedroom, two bathroom apartment in Arlington, Virginia with two other roommates for a total of $3,600 a month. The location is great. We have a nice balcony, fancy kitchen appliances we never use, and a small gym with a sauna in our building. Given my room is a little smaller, my share of the rent is $1,100 a month.

My share for cable, internet, and utilities comes to $50 a month, which isn’t bad given it’s being split three ways. We love to have friends over to watch football and basketball during the weekends. Obviously, we use a friend’s Netflix account for free to watch Ozarks (money laundering accountant) and other shows.

When you can share costs with other people, it feels like you’re getting great value.

Everything Else ($835/month)

Given I only make about $1,000 each paycheck, you can see how I’m spending almost 100% of each month’s salary. But again, that’s fine with me because I know that my 401(k) is getting maxed out.

Paying yourself first truly is the best thing ever. As a result, I hardly ever feel guilty about spending any money.

I’ve got my Metro monthly pass that gets me everywhere I want to go around the city.

I’ve also budgeted about $1,000 a year to go on a couple weeks of vacation. Nothing fancy, but enough to have a good time.

I don’t have a gym membership because I hate being cooped up in a room exercising. Running and biking outside feels so much better. I try and do 150 sit-ups and 60 push-ups every other day as well.

Side Hustling (+$500/month)

Given I only work 40-45 hours a week, I spend another five hours a week on average doing copyediting for a tax and financial website. I can easily bang out a couple hours of work in one evening or do a little bit of work in the morning before heading off to my day job.

They pay me $25 / hour, which comes out to $52,000 a year based on a 40 hour work week.

I use the $500 a month in extra income to build my after-tax Wealthfront account, which I opened two years ago. I’ll be able to contribute at least $6,000 each year in this account while also saving $19,000 in my 401(k) each year.

In 20 years, my after-tax investment account should grow to about $300,000 using a moderate 6.5% annual growth rate and a $6,000 annual contribution rate, giving me the opportunity to do new things if I want.

Given my side hustle income isn’t very high, I don’t have to pay estimated taxes. My goal is to ultimately generate $10,000 a year in extra income mostly by raising my rate, to save for my future. I strongly feel $300,000 in my after-tax account in 20 years is a conservative estimate.

There are so many ways to make extra income online now, you just have to look. I have the capacity to regularly work 60 hours a week without feeling burned out. I might as well take advantage while I’ve still got the energy.

Everybody is able to earn some side hustle income if they want to. But not everybody wants money bad enough to do something extra about it.

Financial Freedom On An Average Income

A $55,000 a year salary might not sound like that much to you, especially in the expensive Washington D.C. area, but it’s plenty enough for me.

Within five years, I’m confident my salary will increase to $70,000+. By then, I will have enough for a down payment on my own place so that I can rent out rooms to other people to help pay my mortgage.

In another five years, I expect my salary to surpass $100,000. If I’m lucky enough to find the love of my life, we’ll have an even higher combined salary so we can live alone. I’ve got to imagine life will be even more affordable as a unit.

Who knows, but with enough dedication, maybe I can grow my side hustle income to $20,000 a year for a combined gross income of $120,000 a year by age 35.

I know I’m lucky not to have crushing student loan debt. But I also made a decision to go to my hometown state school while also working on the side. The vast majority of my friends didn’t work regularly while in school. Instead, they took vacations during the summers and winters and partied every week.

Be honest with yourself regarding how much you’re spending, how much you’re saving, and how much you’re hustling. If you’re coming home each night binging on Netflix or going out to the bars with your friends on a regular basis, you’re not maximizing your earnings potential.

Financial freedom is all about making choices. My choice is to have a lot more choices by the time I turn 40. – Young Samurai

Readers, do you think maxing out a 401(k) on a modest income is a choice? If so, why don’t more people aggressively save for their financial future? If not, what is going on? Why do some people have a no-can-do attitude even when they see others in a similar situation make things happen?

Related Posts:

Save For A Down Payment Or Invest In My 401(k)?

Explaining Why The Median 401(k) Balance Is So Low

When Earning $1 Million A Year Isn’t Enough To Retire Early

The post Maxing Out Your 401(k) Is A Choice On An Average Income: $55K In D.C. appeared first on Financial Samurai.

from https://www.financialsamurai.com/maxing-out-your-401k-is-a-choice-on-an-average-income/

[mcjoelcain]

Maxing Out Your 401(k) Is A Choice On An Average Income: $55K In D.C.

After Sam published his article, Achieving Financial Freedom On A Modest Income In Manhattan, I was fascinated to observe some of the no-can-do responses he received from his readers.

Instead of focusing on Sam’s message of cutting down housing costs, distracting yourself from spending temptation by working more than the average American, and building extra side income while you are young, the naysayers could not accept that he saved 30% of his $40,000 salary even when he did.

They said people making a similar income in today’s dollars would have no chance. Well I make a similar income in today’s dollars and I save an even higher percentage.

There’s a great saying: whether you think you can or you can’t, you’re right. It seems like no matter how much you demonstrate what’s possible, people don’t believe in themselves.

I used to be very salty against those who earned more than I did too. My parents didn’t pay for college, so I had to work ~15 hours a week during school and 30 hours a week each summer to afford my public school tuition. I also lived at home for the first two years of college as well to save money.

But when I graduated from George Mason University in December 2016, I didn’t have any debt. Tuition averaged only about $10,000 a year for my four years there so I handled it like a boss.

I studied accounting, the most boring major in the world. But I knew the chance of getting a decent paying job out of school was high.

I did not have the luxury of studying History or English like my rich private school friends who went to American, George Washington, or Georgetown.

A Decent Job Offer

I got two job offers after college, one for $45,000 and the other for $50,000. I took the higher one. It’s not like crunching numbers suddenly gets more exciting if you work for a major entertainment company versus an international hotel chain.

Over time, I will make more money as I gain more experience. My ultimate goal is to make $100,000 within 10 years after graduating from college if not sooner. Not unreasonable by any stretch of the imagination.

At the age of 25, I now earn $55,000 a year – 10% higher from when I first started two years ago. $55,000 feels like a healthy amount to me, but I’m a simple guy with simple pleasures.

In 2017 and 2018, I contributed the maximum $18,500 to my 401(k). For 2019, I plan to max out my 401(k) again with $19,000. $19,000 is equivalent to 35% of my gross income and I don’t find the amount a burden.

Instead, I find the idea of working for the next 40 years as an accountant to be the biggest soul-crushing burden of them all! Hence, I save and save some more.

Maxing Out My 401(k) While Earning $55,000 In Washington D.C.

Here’s my budget for those curious to see how I’m able to have about $40,000 in my 401(k) in only two years.

It’s nice that my employer matches up to $3,500 a year. Seeing the money pile up in my 401(k) is addicting and I don’t plan to stop.

With a $55,000 salary, I earn $2,115 gross every two weeks. Therefore, in order to max out my 401(k), I instructed my firm to take 35% ($740) out of each paycheck for my 401(k) contribution.

My asset allocation split is 90% stocks, 10% bonds. I plan to stay with this asset allocation until my 30s.

With $740 taken out, I’m left with $1,375 in gross income. I’ve got to pay $70 pre-tax in healthcare premiums, FICA tax of 7.65% (6.2% Social Security + 1.45% Medicare), 12% Federal income tax, and 5% Virginia income tax.

When it’s all said and done, I’m left with about $1,000 every two weeks to spend how I will. $1,000 in spending money isn’t a lot, but it’s enough for me to live a comfortable life. It feels great knowing that even if I spend the entire $1,000, I’m still aggressively saving for retirement.

Also, I’m guessing I’ll be getting a ~$3,000 tax refund back given the standard deduction is $12,000 and my taxable income is only $36,000. We shall see.

My job is not exciting, but it’s fine. I like the people I work with and I only average 40-45 hours a week. Things will get busier during Feb – April, but overall, the work hours are reasonable.

I get in about 8:30am and leave by 5:30pm for nine months of the year.

Housing Costs ($1,150/month)

I rent a nice three bedroom, two bathroom apartment in Arlington, Virginia with two other roommates for a total of $3,600 a month. The location is great. We have a nice balcony, fancy kitchen appliances we never use, and a small gym with a sauna in our building. Given my room is a little smaller, my share of the rent is $1,100 a month.

My share for cable, internet, and utilities comes to $50 a month, which isn’t bad given it’s being split three ways. We love to have friends over to watch football and basketball during the weekends. Obviously, we use a friend’s Netflix account for free to watch Ozarks (money laundering accountant) and other shows.

When you can share costs with other people, it feels like you’re getting great value.

Everything Else ($835/month)

Given I only make about $1,000 each paycheck, you can see how I’m spending almost 100% of each month’s salary. But again, that’s fine with me because I know that my 401(k) is getting maxed out.

Paying yourself first truly is the best thing ever. As a result, I hardly ever feel guilty about spending any money.

I’ve got my Metro monthly pass that gets me everywhere I want to go around the city.

I’ve also budgeted about $1,000 a year to go on a couple weeks of vacation. Nothing fancy, but enough to have a good time.

I don’t have a gym membership because I hate being cooped up in a room exercising. Running and biking outside feels so much better. I try and do 150 sit-ups and 60 push-ups every other day as well.

Side Hustling (+$500/month)

Given I only work 40-45 hours a week, I spend another five hours a week on average doing copyediting for a tax and financial website. I can easily bang out a couple hours of work in one evening or do a little bit of work in the morning before heading off to my day job.

They pay me $25 / hour, which comes out to $52,000 a year based on a 40 hour work week.

I use the $500 a month in extra income to build my after-tax Wealthfront account, which I opened two years ago. I’ll be able to contribute at least $6,000 each year in this account while also saving $19,000 in my 401(k) each year.

In 20 years, my after-tax investment account should grow to about $300,000 using a moderate 6.5% annual growth rate and a $6,000 annual contribution rate, giving me the opportunity to do new things if I want.

Given my side hustle income isn’t very high, I don’t have to pay estimated taxes. My goal is to ultimately generate $10,000 a year in extra income mostly by raising my rate, to save for my future. I strongly feel $300,000 in my after-tax account in 20 years is a conservative estimate.

There are so many ways to make extra income online now, you just have to look. I have the capacity to regularly work 60 hours a week without feeling burned out. I might as well take advantage while I’ve still got the energy.

Everybody is able to earn some side hustle income if they want to. But not everybody wants money bad enough to do something extra about it.

Financial Freedom On An Average Income

A $55,000 a year salary might not sound like that much to you, especially in the expensive Washington D.C. area, but it’s plenty enough for me.

Within five years, I’m confident my salary will increase to $70,000+. By then, I will have enough for a down payment on my own place so that I can rent out rooms to other people to help pay my mortgage.

In another five years, I expect my salary to surpass $100,000. If I’m lucky enough to find the love of my life, we’ll have an even higher combined salary so we can live alone. I’ve got to imagine life will be even more affordable as a unit.

Who knows, but with enough dedication, maybe I can grow my side hustle income to $20,000 a year for a combined gross income of $120,000 a year by age 35.

I know I’m lucky not to have crushing student loan debt. But I also made a decision to go to my hometown state school while also working on the side. The vast majority of my friends didn’t work regularly while in school. Instead, they took vacations during the summers and winters and partied every week.

Be honest with yourself regarding how much you’re spending, how much you’re saving, and how much you’re hustling. If you’re coming home each night binging on Netflix or going out to the bars with your friends on a regular basis, you’re not maximizing your earnings potential.

Financial freedom is all about making choices. My choice is to have a lot more choices by the time I turn 40. – Young Samurai

Readers, do you think maxing out a 401(k) on a modest income is a choice? If so, why don’t more people aggressively save for their financial future? If not, what is going on? Why do some people have a no-can-do attitude even when they see others in a similar situation make things happen?

Related Posts:

Save For A Down Payment Or Invest In My 401(k)?

Explaining Why The Median 401(k) Balance Is So Low

When Earning $1 Million A Year Isn’t Enough To Retire Early

The post Maxing Out Your 401(k) Is A Choice On An Average Income: $55K In D.C. appeared first on Financial Samurai.

from Money https://www.financialsamurai.com/maxing-out-your-401k-is-a-choice-on-an-average-income/ via http://www.rssmix.com/

[otaku-sfw-blog]

Condo Rentals Would be the Finest Vacation Values

Consuming conch fritters and drinking a Bahama Mama on the sandy beaches in the Bahamas, or enjoying a Mojito throughout the sunset over Acapulco are points quite a few people today dream about, for a relaxing getaway getaway. If they only knew concerning the Condo Card Hot Offers which delivers the ideal vacation values in the major destinations, they could locate luxury condo rentals for as tiny as $40 a night.

Condo rentals would be the most effective trip values for the reason that they provide an average of 1100 square feet, come totally furnished with luxurious furnishings, amenities and surroundings versus the typical 340 square foot hotel space with no cooking facilities and small space to spread out. You may get 1, two, and three bedroom condo rentals in major destinations for 75% off of retail price tag within the most exotic areas, if you are a Condo card lifetime member. To get a nominal fee, you'll be able to vacation as lots of occasions as you like, wherever you'd like at any time you'd like. Certainly, the ideal bargains are the Hot Deals, that are the ideal vacation values for all those which can be versatile with their dates. Whether or not it's Las Vegas for a gambling junket, Colorado to get a mountain ski trip or Hawaii for the trip of a lifetime, you could find essentially the most very affordable luxury condo rentals.

In truth, you could devote per week in most places for tiny more than a luxury hotel space would price you for any single night! You'll find no timeshare tours or gimmicks, no blackout dates or booking costs, no maintenance charges or annual dues. Just a one-time lifetime membership fee buys you a lifetime from the most affordable getaway values you are going to ever obtain and opens the door for the most luxurious condo rentals in countries throughout the world. Actually, you will discover over a million weeks worth of rentals to choose from at thousands of three, 4 and 5 star resort destinations. For those who have only dreamed of seeing the Terrific Wall of China, or watching a Hawaiian volcano, it is possible to now afford it! If you have wanted to go snorkeling in the Florida Keys or sit in front of a crackling fireplace in the Colorado Mountains, you may now afford it! If you want to eat conch fritters and drink Bahama Mamas, then what is stopping you? You can not afford to miss out around the dream vacations of a lifetime that will expense significantly less than a modest flat screen tv. It's straightforward to make the most of the luxurious holiday condo rentals with a good amount of space for the whole loved ones, with totally furnished kitchens that provide you with the option of cooking your very own meals or trying some of the regional cuisine within your own kitchen. It is possible to overlook the most beneficial beaches in the world or take inside a Broadway show at an exquisite hotel in Manhattan, the selection is yours. Do not let life pass you by- it is now additional inexpensive than ever to possess as many dream vacations as you want to get a loved ones getaway, romantic getaway or possibly a chance to go to a various nation, just by signing up for the Condo card now! When you are ready to begin living your getaway dreams and prepared to open the door to the most very affordable luxury trip condo rental in leading destinations. It is undoubtedly effortless to see that a getaway condo rental is usually a fantastic selection when you're longing for any relaxing getaway. A lot of advantages are offered and with a condo card, you can save major time, permitting you to go on a nice trip, even when your budget is really a bit around the tight side. Why preserve putting off that getaway? With Destin Condo Rentals you can book an incredible trip these days with out having to commit an enormous amount of revenue.

[rachelmorris305]

A Townhouse Makes a Connection

A bigger place and “daunting” remodel in Brooklyn

For a decade, AJ and Ray lived in a 450-square-foot studio apartment in Sunset Park, Brooklyn. In search of more space, they traveled a few stops south on the subway and landed a 3-floor, 2-family brick row house just across the street from the neighborhood’s park, offering views of New York Harbor and Manhattan. The home was a whopping 2,964 square feet—not an unusual size for a townhouse, but much larger than what they were used to. After three years of test-driving their new space, they opened up rooms and improved the flow from front to back…while expecting a baby. Here’s how AJ and Ray used Sweeten, a free service matching renovators with vetted general contractors, to gut renovate and turn a nondescript house into an open oasis for their family of three.

Guest post by Sunset Park homeowner Ray

We bought the house to renovate but lived in it for three years as we planned for the renovation. The place had been poorly maintained as a rental for many years (drop ceilings, temporary walls, very old roof, the works). It needed to be updated and modernized. The property was set up as a two-story, two-family house. There was an apartment on each floor—one bath, one bedroom, a kitchen and a living room. New kitchens and bathrooms don’t come cheap, and the renovation seemed daunting.

We had lived in a small studio and were used to an open floor plan. When we moved into the new house, it was small and blocked off from all of the other rooms. It made it difficult to chat and hang out with each other. We weren’t used to the feeling of being separated. Figuring out the best layout, style, and finishes were left to AJ and Robin, her sister and an interior designer at RobinR-N. We were interested in an open entertaining space on the first floor with three bedrooms on the second floor.

We were hoping that our renovation would be fast and straightforward. It was certainly not straightforward! Although the interior was designed and planned by Robin, we had to hire an architect and expeditor to draw and file the plans. We interviewed at least eight contractors, but the one we initially selected, and who filed the plans with the city, had underbid and sent us a contract that was overpriced. After going back and forth, we ultimately abandoned him and found our design-build firm on Sweeten after posting our project.

Robin and AJ worked together to create a cohesive aesthetic for the house. In the kitchen, they looked to capture the light streaming through the back windows, and keeping the space as light and fresh as possible. “With the beautiful southern light at the back of the house and the openness of the view to the backyard, it made sense to relocate the kitchen there and open the rest of the house up to that space,” said Robin.

(Above) Entry door from the inside (l), and exterior front door (r)

On mini-splits: Ray had a hard time saying goodbye to the NYC radiators he had spent his entire life around. It was always too cold or too hot—and he LOVED it, says AJ.

The entry hall corridor leads directly to the kitchen. The lightness of the kitchen helped connect the spaces visually from the front to the back of the home. “The dark floors and kitchen table and chairs made a nice contrast to white cabinets and the light Caesarstone countertops,” says Robin. The kitchen island was a main feature of the space. From a recommendation from AJ and Robin’s mom, it housed the sink and an open built-in shelving area at one end for cookbooks and some baby items, making use of every inch of space!

“The space was designed to accommodate the way they live,” explained Robin. “If someone is cooking or the baby is playing, the family and guests can congregate on the ground floor and still feel connected even if they are in different rooms.” For lighting, they decided to keep the ceilings minimalist, choosing surface-mount fixtures and pendants to be a design focus.

(Above) Master bedroom (l) and guest bedroom (r) (Above) Master bedroom (Above) Guest bedroom

In terms of layout, we had two options for a third bedroom: it could go in the front of the house with a window, or in between the two other bedrooms where it currently sits. After working on the drawings, Robin determined that we could get more space using the space adjacent to the front bedroom than the space that is now a bathroom. According to the Department of Buildings code, we needed light and an egress to make sure that it could be called a legal bedroom. In order to accomplish this, we needed to put a skylight into the middle bedroom as part of the roof update. It seemed odd at the time, but in the end, the room ended up being perfect for the baby, who we were already expecting when the renovation began.

(Above) Second-floor stairway

Lastly, although we wanted air conditioning in the house, central air was a huge financial commitment. Mini-splits were suggested, but our past landlords had put a unit in our old apartment near the end of our time there, which we liked functionally but not aesthetically. After much back and forth, we decided on a ducted mini-split system so that the air-handling units were hidden in the ceilings; we only lost a little height in the first-floor hallway.

This was an enormous undertaking for us, and as much of a rush that we were in with a baby on the way, we appreciated that our Sweeten contractor slowed us down and walked through the entire the process with us, down to the details of the toilet paper holder. Our renovation was a design-build job and our Sweeten contractor had all the details of what needed to be done written down on paper for our review. We appreciated the attention to detail.

The best advice we can give is to ask questions even when things get technical and you are in over your head. And be patient! Our main questions were: Can we afford this? What is the payment schedule? Can the house be done before the baby arrives? What is your timeline?

We were most excited about having space, a real kitchen and closets, which was a huge change from where we were living before. When we worked on the interior layout, it seemed like we had planned for an extreme amount of storage space, but wouldn’t you know, we’ve managed to use it all!

We are so glad that we found our Sweeten contractor—we couldn’t have been happier (or luckier!).

Thanks to AJ and Ray for sharing your stunning townhouse with us!

KITCHEN RESOURCES: Engineered Hardwood Faulkner Hickory floors: Hurst Hardwoods (similar). Kitchen cabinets: Custom. Countertops: Caesarstone. 4×10 U081 White Ice Bright US Ceramic tile backsplash: Floor & Decor Outlet of America (similar). Trinsic kitchen faucet: Delta. Stainless steel 24X16 under-mount sink: ELKAY. Refrigerator: LG. Dishwasher: Bosch. Range: Samsung. Microwave: Panasonic. Hood: Whirlpool. Glass cone shade light, semi-flush mount: Industrial Light Electric. Conical 30″ drum pendant: Rejuvenation.

LIVING ROOM RESOURCES: Grand Brass Mobile chandelier: West Elm.

HOME OFFICE RESOURCES: Global pendant light: CB2.

MASTER BEDROOM RESOURCES: SAIC Together pendant light: CB2.

MASTER BATH RESOURCES: Bianco 12×24 Natural floor tile Bardiglio Series: Ceramic Tile 4 U. 4X4 U081 White Ice Bright wall tile:  Floor & Decor Outlet of America (similar). Delta Trinsic polished chrome hardware: Build.com. Grohe 8″ rain head polished chrome shower fixtures: Home Depot. Amare 60″ single bathroom vanity set with mirror: Wyndham Collection. Essence faucet: Grohe. Cadet Pro toilet: American Standard.

GUEST BEDROOM RESOURCES: Catalina Lighting 3 Light drum pendant: Amazon.

POWDER ROOM RESOURCES: Elite Tile Alameda Ceramic Field Blue floor tile: AllModern. Champion Pro toilet: American Standard. Veer 24″ pedestal sink: Kohler. Delta Trinsic faucet: Build.com.

—

Dreaming of living in a townhouse? Check out our guide on purchasing and renovating one.

Refer your renovating friends to Sweeten and you’ll both receive a $250 Visa gift card when they sign a contract with a Sweeten general contractor. 

Sweeten handpicks the best general contractors to match each project’s location, budget, and scope, helping until project completion. Follow the blog for renovation ideas and inspiration and when you’re ready to renovate, start your renovation on Sweeten.

A post from originally from Sweeten

[lisabrenda30]

Locksmith Essential Tools Of The Trade

A locksmith would additionally need Tension Wrenches. DynoLock They are available in 3 sorts according to amount of stress exerted: mild, medium and inflexible. Most locksmiths carry all three varieties depending on what the situation wants. Tension wrenches, as implied by the name, are used to apply managed amounts of turning stress to realize entry to the shear line. The plug spinner, computerized decide, electric pick gun, key extractor and tension wrench are the basic instruments of the locksmith trade. There are other tools that locksmiths can use to restore, set up and open locks. Deadbolt set up kits, locksmith hammers, router drills and key cutters are just some of these additional tools. It is rarely intelligent to commission endeavors from individuals who don't know what they are doing. Why would you wish to spend money senselessly? The locksmith who shall be working for you should have been effectively schooled within the knowledge of what it takes to be a fantastic locksmith. Never ever allow yourself to be talked into using the companies of callowness. Any enterprise which has finished labor in the neighborhood for approximately ten years, has a very good likelihood of getting you as a patron. Great prominence is seemed upon extremely and organizations which keep theirs in the upper ranks, will always proceed to do what is finest for his or her consumers.

Drive and park courteously

Where will you be working

Hours you may be required to work

1 Types of locks

Maintains a stock of key blanks and different supplies wanted for the conduct of his business

Steer clear of the generic. Any locksmith company that claims your lock needs to be drilled and replaced is a fraud. Experienced locksmith technicians can unlock just about any door. In the event that they want to drill in your lock, don't allow it. There is a high chance they're scamming you and looking for more money. Respected and reliable locksmith companies have been trained to properly unlock any door. If a locksmith company insists that you pay in cash you may bet it's a scam. All corporations immediately enable clients to pay cash, verify and/or credit. A company that requires you to pay cash just isn't a official company. This can also be a question it is best to ask upfront. Be certain that you know how they take cost Before they start work. The following pointers are right here to provide you with the tools it is advisable to avoid being scammed. Not all locksmith firms are out to get you, however you will need to be aware, be cautious, and ask all of the proper questions. You are the one paying the invoice; therefore, you're entitled to due diligence. Writer: Barney Burglar alarms are the very best security gadgets which might be found mainly in industrial premises like banks, shopping malls and different places. These devices get activated every time somebody tries to interrupt into industrial premises. 1. Signs And Patterns That may Result in Serious Truck Accidents 2. Easy methods to Know the Liability in a Truck Accident? Three. Different Defenses a DUI/DWI Lawyer Can Use to Beat DUI/DWI Charges four. Personal Injury Claims for the Passengers in a Automobile Accident 5. Who Could be Held Liable To Get The Burn Harm Claim? 10. How one can Enchantment For A DUI First Offence? High leaving normal is all the time expensive but in locksmiths, the time period expensive doesn't mean so much to the sort of the work they do or their key making services. Nonetheless, these locksmiths doesn't change a lot but are often fall prey to suspicion. If you have any sort of concerns concerning where and how you can make use of course - just click the next website page - , you could contact us at the web site. It's not essential to rent an expensive locksmith as a result of statistics exhibits that the cheaper the locksmith, the better. Some options that costlier locksmith can go for are a budget locksmith or the affordable locksmith. Low cost locksmith has problems of plenty, ironically because they do not have that nice recognition by the individuals who want locksmith providers. These low cost locksmiths who're also known as affordable locksmith should not often expensive, and there is say which state that each good thing comes with a worth. Publisher: Ethen Hunt Manhattan Locksmiths provide wide selection of providers. Writer: atif saleem It's not tough to hiring locksmith Newcastle and it makes a great practice to keep their numbers in your wallet in case of emergencies. 1. What to Do after a Flooding Strikes Your house 2. Easy and Finances Pleasant Dwelling Decorating Ideas three. The way to Design Your Kitchen with White Cabinets? Four. Hiring Tradespeople-Be Alert 5. High quality New Domiciles - How Can you Notice That The Builder Will Deliver A top quality Home? 7. Get a Clear Swimming Pool Not a Inexperienced Pool eight. Enjoy Selecting Beautiful Crystal Lamps 9. 5 Must-Observe Steps to maintain Your Carpets Clean 10. Vital Ideas and Guides for buying Granite or Quartz Worktops Welcome, Guest!

One other standard saying goes like this, "a good friend in need is a friend indeed". If that's the case, then these experts actually qualify to be your mates. When you are locked out, these specialists can go to wherever you might be in a practically brief period of time. What they're going to do is assess the situation and determine methods to get you back into your home. This often includes the technique of lock selecting, a way used by locksmiths so as to unlock a door without utilizing a key. This system makes use of specialised tools and methods that locksmiths practice for years to grasp. Log in or Create Account to post a remark. Publisher: Danielle The Locksmith San Diego is a locksmith that you would be able to rely upon, be it for automotive locks, or house door locks. New digital locks are also no drawback for the locksmith San Diego.

Generally life offers us lemons. They say that we'd like to show them into lemonade, however there are times once we simply can’t try this on our own. These are occasions when we usher in knowledgeable, and if in case you have a security situation, you want to find an amazing locksmith. Read on to be taught more. If you’re locked out, it’s not always essential to change the lock. A skilled locksmith will be capable of get the door unlocked with out needing to exchange your current lock. Lock replacements might end up costing you cash that you simply didn't must spend. So that you determined to own your personal enterprise as a locksmith… Nice! You have prospects, you've referrals, but you still appear to be in the unfavorable with money going out and not coming in. A locksmith, though you could have many skills and training in your background, is still a enterprise which implies it's essential observe the enterprise guidelines. Too many small business owners keep monetary records just for tax purposes. However correct and present financial records could be invaluable as you make enterprise decisions. Take the time to organize and analyze your financial data. Don’t be afraid of the numbers. When a locksmith arrives that will help you, ask them if you may see a photo ID. You wish to make it possible for this individual is who they say they are. Some states require locksmiths to have a license. If you are in one of those states, you must ask to see that as nicely. Ensure that that after your locksmith is finished that he palms you a receipt. Though the vast majority of locksmiths are professional, there are at all times individuals out there looking to scam you. It would be best to get quality service and have paperwork to again it up. You need to verify that there is something to safeguard you in case there's injury to your automotive. Guantee that they prove the insurance coverage is present since it's not unusual to be provided with an expired policy quantity. While you encounter a state of affairs that requires the providers of a locksmith, however you are uncertain the place to turn, it at all times pays to hunt personal recommendations. Ask a buddy in city or possibly your subsequent door neighbor to see if there's a locksmith from whom they have received nice service. In this manner, you should have full confidence within the skilled you choose. A locksmith that's good ought to know how to vary more than just a lock on doors. If you're somebody that got robbed, altering your window locks needs to be achieved as effectively. Sometimes, they could help you with your alarm system. This data will provide help to find a locksmith while you need one. You could also be in a tight scenario, however using these tips will help. From switching a lock to attempting to achieve entry to one thing, the better your information about locksmiths, the better issues will go.

[rothbuiltworks-blog]

Things Construction Companies Must Plan For

A interior remodel house that lacks interior-design could be uninteresting, and will result in anxiety or melancholy. This is the main reason why plenty of people are looking for ways on what their household can enhance. Though adjust is superior, it generally does not imply that feel of your dwelling each month and you've to alter the look. Infact, an individual who are able to afford can get an inside reconstruction one or more times every year. Sadly, there are certainly a lot when remodeling the interiors of your property of items that is highly recommended. That is one of the significant reasons why their residence is not being renovated by a lot of people in anyrenovation companies hiring way.

the kitchen wants it a lot more than anywhere in your own home, although every part of one's house requires reconstruction. This is actually the spot where you is the place where heat is frequently distributing, and are planning your RothBuiltWorks food. Heat alone could cause a lot of problems to your dwelling such as the paint's shade. Many chemicals which can be being used to enhance your home are extremely sensitive to warm, which may be the main reason.

There are a large amount of lowcost makeovers that one may do on your property, and this can help you take care of the splendor of your house while you usually would, without wasting just as much dollars. An easy repainting may manhattan contractor fix the problem. You need a clear vision of what you are doing so you should be sure that any other invest your property, or your home is nicely-lit, besides obviously regarding places where more serenity is needed by you.

There are certainly a large amount when building the interior of your home of items that should be thought about. Should you be going to hire professional interior designers even though it can be done that one may take action all on your own,design build process it is possible to expect better benefits. Plenty of people believe that employing an interior custom will surely cost them money. You never need to problems oneself about the things, should you be planning to retain qualified interior manufacturers. Several expert interior makers may even develop a that satisfies your requirements and funds, which saves you more income.

If you are arranging a home-renovation and you learn that you do not possess the doit-yourself expertise to complete the work for your fulfillment that is private, you are probably considering hiring a property remodelling corporation. The renovation approach will almost certainly have downs and ups, and the end result may both be your wish or even a problem that is comprehensive. It's particularly important that you carefully veterinarian home-renovation installers that are likely to ensure a qualified, experienced expert who'll help to make your restoration goals a real possibility is hired by you.

Ultimately, selecting a company is like selecting some other tradesman much, but when it involves home makeovers, the consequences of a weak option can be regrettable. You wish to work with a reconstruction organization that is properly accredited and works together with trades-people Here is Social Profile that are skilled. Essentially, you should begin by creating a listing of potential contractors. Home-renovation corporations can be found by you through a flip through discussions with friends, and on occasion even greater, during your yellow pages, family online lookups, and colleagues. A reliable pal, relative, or colleague will probably provide you with a straightforward and truthful belief regarding their ordeals using technicians; this might allow you to avoid under-skilled candidates.

Nonetheless, only one suggestion should never be taken by you at face-value. Generally begin click to find out more with at the very least a few possible installers and talk to them separately before you select which to hire. There are some standard issues you will naturally want to inquire while considering potential home-renovation companies.

Whenever can you commence?

What is your calculate?

The length of time can the task take?

Evidently, these are very important concerns, however, you additionally need to discover more details about their expert qualifications (including instruction and qualifications), enterprise licence, insurance, and references.

Professional Qualifications

Obviously, you're best served dealing with a builder who takes continuing education severely. Creating practices do aswell, when you might anticipate technology to change over time. Perhaps local construction jobs hiring making rules can transform. A specialist who updates his expertise will likely consider his popularity that is greatest and excellent perform as paramount within this organization.

Moreover, each land will probably include varying prerequisites for specialist licenses, but many will demand technicians to have an Accreditation of a certificate that is related or Certification. Be sure to talk with governments that are local to ascertain requirements locally.

Business License

So that you can carryout enterprise, your home redevelopment corporation will have to have a business license. Feel absolve to question technicians Roth Built Works general contractor for a backup of this license in order to check it is legitimate as well as if any issues have now been set against the builder.

Insurance

You should only assist properly protected technicians or anyone run the risk of culpability all on your own result in the situation of destruction or even injury to your loved ones or individuals.

Referrals

Finally, and probably most importantly, you should request and referrals at home redevelopment applicants or atleast,. More particularly, you need read more on wikipedia here to request references from purchasers who had equivalent jobs finished by the home renovation company. Referees more detailed information can be asked by you about the contractor, by way of example:

I would exactly like to talk about a number by doing it of the countless causes trying to save afew cash in your home-renovation yourself is really a TERRIBLE idea. Lots of people do not comprehend the amount of work involved in www.rothdesignbuild.com/ a house renovation and how essential doing it properly is. You might save a little bit of profit the start but in the future can it be well worth the countless money and time allocated to repairs and of course the inherent safety threats.

Below are a few of the reasons:

Arranging: Right from the beginning of the task the "planning" phase is one of many measures that are vital. Most people believe they'll simply do it as you go along and under-estimate planning's significance. Where-as a Builder would you household restorations evening day and in out could have right organizing in place to ensure the career is finish on budget and on time.

Constructing codes: how can you ever manage to follow them to keep your loved ones secure in your house If you do not understand the making codes? Provincial Developing rules are positioned set up for a purpose, all of them have a function which Homepage function is SECURITY. Can you willingly include a dangerous residence is lived in by your family? These requirements to keep consitently the household secure although not just to cross examination for the people who will be surviving in them.

Developed to final: do you want to spend your wages on components which were incorrectly mounted and can solely last several years?. Zero didn't feel consequently, not merely the caliber of supplies utilised is very important however the appropriate installation of the products. After weeks and days of sanding your " do it yourself " drywall bones you can find these hunting good at best, subsequently in a year if-not less they crack and also have to be re-taped, re painted to obtain it back to the average search you started with. That is a exemplory instance of you should retain an Edmonton building corporation depart it towards the benefits and to complete your redevelopment.

Excellent: work these tradespeople develop is second to none's quality. These are people who consider good delight within their assist the safety of 1 another and property owners in mind. Your house is likely to be accomplished in half some time and appear doubly superior when accomplished, how would you state zero compared to that? Yet again you merely can't.

Once you walkin to your residence that is freshly redesigned and you also see no problems, a specialist class end, it's worth the amount of money allocated to a builder. You'll not have to worry about any maintenance for many, many years. You will receive numerous complements rather than that cynical INCH it seems ok" most people who take on employment with this scale themselves get. You along with your family will undoubtedly be relaxed realizing your property was remodeled to excellent or security with no lose. That is why I'd individually fit my profit the hands of an restorations corporation and keep it towards the professionals.

When you wish to have developments completed around anyone house you know that it could be an arduous issue from time to time since you mightn't include all the right construction management certification capabilities to do it on your own. Nevertheless, when you yourself have several recommendations it is possible to find a home having and makeovers organization.

By searching the SERP's in the search engines, one suggestion to locate these businesses will probably be. The major search engines' outcomes pages is a superb solution to find many different organizations, but be specific towards the spot that you're currently looking in so you can pullup individuals effects rather than to get a neighboring metropolis or express.

Another tip that one may utilize is always to try the phone listing that is neighborhood. This can be an excellent resource because it can help firms which might be nearby are found by you to-use. Then you can contact these regarding info that you need on the services they give and around the prices they are going to charge you.

Something else that one may do is confer with your friends in regards to the firms they've used in days gone by. Friends and family might have received work performed recently and will give construction management courses you the name of the organization to get hold of. Nonetheless, they may be able to supply you with organizations in order to avoid because of errors' brand they made on there property.

You've probably observed the symptoms in peoples yards marketing the companies that do makeovers to there house. These indicators certainly are a great kind of marketing regarding these companies. But you might get how many the organization subsequently so you can phone these up to view when they manage your jobs if you should be truly interested in the quality of the task they do you could stay in and speak with the homeowner.

[toiletvodka]

Health Issues

When asked, “What is the number one health issue” my mind went first to food deserts. It took a bit to really consider what our country struggles with in terms of health issues. I wanted to also incorporate my own firsthand experience when I thought of the topic, Food Deserts.

First off, a Food Desert as described by quick google search: “an urban area in which it is difficult to buy affordable or good-quality fresh food”. As freakish as that sounds, it is actually commonplace in many parts of our “great country”. Living in a fairly populous city like Portland, its hard to consider that people actually live in conditions where the closest food supply may be 5 to 10 miles from their house making it hard to access food, let alone healthy food.

My firsthand experience was just earlier this summer as I spent three weeks in New York for a summer course. Since I was living on a very tight limited budget, I figured while staying in the city I would try and load up on groceries to cut cost. My thinking was that finding a supermarket like Fred Meyers (https://www.fredmeyer.com/) back home would be simple and inherently easy to come across. I couldn’t have been more wrong. The only thing closest to a supermarket were their Bodegas which were the equivalent of our 7Eleven’s and Plaid Pantries. I was thrown especially when I had found a considerable amount of grocery food and saw the price tag on few items. Things like olives and cheese that would run about 5-6 dollars back home (without sales tax mind you) ran about 7-9 dollars here. I was shocked to find that already prepared food to be much cheaper than buying grocery at these smaller markets.

My question was, how much money do you have to make in order to maintain a moderately healthy diet while in a place like Manhattan? Not to mention the only considerable supermarket I came across was Zabar’s (http://www.zabars.com/) which itself was also quite pricy and listed as a “Gourmet Grocery Store”, how pretentious. There were how ever a few Whole Foods Markets (http://www.wholefoodsmarket.com/), but just like here at home, the prices were pretty sky high in contrast to everything else. Had I known this topic would rise, I would have considered asking fellow New Yorkers how they bought groceries and possibly how often they cooked for themselves when the city is practically set up to take your money with plentiful restaurants and deli’s.

I digress, yes New York is hardly a prime example of a Food Desert when you look at the definition, but it was still rather shocking for a Portlander like myself who is accustomed to my local Fred Meyers and Safeways.

Lastly, I did a little google searching to see what more I could find on these Food Deserts and what was being done in order to make food more properly accessible to people of lower income brackets. I found an article from Business Insider that covered Amazon’s purchase of Whole Foods Markets. The article went on to describe how the giant acquisition could in fact answer our questions as to how we could solve Food Deserts. 

“If a family does not live near a supermarket, they could theoretically soon order organic, healthy food on Amazon, Foraker said. Amazon Fresh already offers home deliveries, but he believes the acquisition will widen the reach and offerings of the service.”

-Business Insider, http://www.businessinsider.com/amazon-whole-foods-food-deserts-2017-6

With Amazons involvement in grocery could be a huge change and step forward in solving our large problem of areas without access to proper food, let alone proper nutrition. I’ve actually used Amazon Prime Now’s service where you go on an app and pick and chose items from either their grocery or that of Whole Foods counter part, New Seasons, and order your groceries via app. It is a pretty good idea considering a person drives the food to your door in a timely fashion. My foreseeable problem with this idea and Food Deserts residing primarily in lower income areas, many may not have the devices to see this through. As evolving as technology is, it is still pricy and a luxury to many. So maybe if Amazon wants to move forward and evolve these “dry” areas, they should probably consider either making their services free to use (Prime Now requires a Prime membership which is quite pricy) or look into helping develop these areas further with access to free Wifi and maybe cheaper smart phones? Seems more like a dream than a reality, but it is definitely a step forward over tiny expensive bodegas.

by Nicole Findley