Tag: projects

How to Make Your Apartment More Eco-Friendly

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There are a lot of perks to apartment living. They’re generally easier to maintain, can be more affordable than a house, and are great short-term commitments for those always on the go. However, one of the drawbacks to apartment-dwelling, particularly if you’re an environmentalist, is often the limited green actions available. Whether you rent or own your apartment, it can be difficult knowing how to get involved in sustainability efforts. However, eco-friendly changes can be applied everywhere, including apartments.

It’s important for the sake of our future here on Earth to begin taking green actions to help minimize the negative impacts on the environment. For those living in apartments, getting started on making your living space more eco-friendly is easier than you think:  

Construct with Mother Nature in Mind

The best place to start is at the beginning, right? If you’re an apartment owner or landlord, it’s important to prioritize constructing any new apartments with the right materials. Some of the best sustainable building materials to use include:

  • Reclaimed Wood: Reusing materials like reclaimed wood is a perfect way to cut down on waste and reduce production costs. Reclaimed wood also typically has a lot of character which only helps make each of your apartments more unique while also being sustainable.
  • Bamboo: The thing that makes bamboo a great sustainable material choice is its rapid growth rate. Bamboo is ready to be used in just six years and when it’s of high quality and sold by reputable dealers, it’s extremely durable and long-lasting. It’s also one of the more affordable options to pick from. 
  • Green Insulation: Unlike traditional insulation that’s made from synthetic materials, which can be damaging to the environment, green insulation is made from recycled materials. From old denim to sheep’s wool, green insulation is a great substitute for fiberglass insulation and more.

Making the initial decision to build with sustainable materials benefits the environment long-term by reducing the overall negative impacts. It also can help save future tenants money on utilities thanks to sustainable building materials like green insulation helping to reduce energy use. It may be more expensive at times to pick the sustainable option over the non-sustainable counterpart, but it’s worth the cost.  

Don’t Shy Away from Pre-Owned Appliances

Appliances breaking down or not working properly is a common issue for tenants and owners alike. Moreover, many apartments still have the same appliances they were built with decades ago. While certain types of appliances were definitely built to last regardless of age, for the most part, many are now inefficient and that can be costly. As pointed out by General Contractors License Guide, “Not only do inefficient appliances waste energy, but they can also cost you extra money. A 21-cubic foot refrigerator using 750 watts of power costs an average of $27 each month to run, which can add up fast when you factor in additional energy use each month.” With that being said though, don’t be temped quite yet to toss out your old appliances. 

While it may depend on where you live, there is likely a used appliance business you can and should utilize. Organizations such as Habitat for Humanity have numerous stores you can contact. They will not only replace broken appliances with functioning ones but will also take your old ones away and repurpose them. The appliances these types of businesses have are typically lightly used and worked on to be good as new. This reduces the overall impact on the environment by increasing better energy usage functions, minimizing waste, and providing more materials to be re-used.

Small Changes Have Big Impacts

Wanting to make some green changes to your apartment is understandable as we begin learning more and more about serious environmental threats and problems. However, it’s worth keeping in mind that it’s easy to overload yourself when taking on major eco-friendly projects and renovations. Furthermore, it’s not always possible to make those apartment-altering changes. While big green actions are certainly important, small, everyday green actions are just as essential in regards to the planet’s health. Try incorporating some of the simple green actions found in things like eco-friendly apartment guides if you’re unsure where to start. It may feel perhaps ineffectual, but changing your habits to be more conscious of the environment is a great way to make a difference, regardless of where you live. 

Read How to Make Your Apartment More Eco-Friendly on Apartminty.

Source: blog.apartminty.com

Gratitude in a Difficult Year

This year took so many twists and turns we haven’t been able to keep count– often leaving us in complete overwhelm with a whirlwind of thoughts and emotions. Grief, anxiety, and sheer disappointment are just a handful that comes to mind when we reflect on the endless amount of curveballs life has thrown over the past year. Tragedy and loss plagued the entire world, leaving us speechless day after day. Despite the darkness that loomed for what seems like an eternity there has been an outpour of positives that we can’t forget to remember. As 2020 quickly comes to a close, let’s take the time to decompress and reflect on the happier moments we were lucky enough to live through and witness. Even though Thanksgiving may look less traditional than previous years, we still can readily name some things that shift our hearts to a place of gratitude.

Family first

Let’s face it – the hustle and bustle of life impact our family and friends more than we’d like to admit. Competing schedules, conflicts, and not making enough time for those that matter are often reasons why we are unable to nurture the people we hold near and dear. Because of restrictions on travel and other entertainment, we were forced to become more creative with our time indoors; in turn, helping us to restore the meaning of family and work-life balance. Quite frankly, it allowed us to hit the pause button on everything that probably was unintentionally too high on the priority list in the past. Our families served as the safety net it’s supposed to be when the weight of the world (and social media) became overbearing with less than desirable news. We utilized technology to a new degree when scheduling virtual happy hours, catch up sessions with our loved ones, and birthday celebrations in other geographic areas. It made us truly appreciate the very thing we took for granted; all the people that make up our family tribe.  

Curating and developing passions

2020 generated a newfound level of introspection, leaving our minds to really consider what it is that we really cherish the most. Whether it be career-related or new passion projects, this year made room for some much-needed self-reflection, making us reassess where our fulfillment really comes from. Leveraging books, social media outlets, and various streams of consuming knowledge-based information sent us on a path of rediscovery. Remember that ‘other’ to-do list that’s filled with the things you really don’t want to do around the house? It even made that list appear fun-filled! Home improvement projects and DIY tasks were done with enjoyment while being budget-friendly. Adulthood can be full of things that aren’t as exciting, but mustering up the courage to take ideas from ideation to execution served as a second wind. New business ventures and side hustles were birthed with unmatched creativity, a place many of us haven’t been in quite some time. Existing businesses were able to thrive despite the unprecedented events occurring nationally. Funding was also provided to various business owners which granted many small businesses to increase their visibility while positively generating profit. 

The importance of sustainment

There are a countless number of families that were impacted by job loss and/or unexpected expenses. It doesn’t matter if things started off rocky financially – what matters most is you’re still standing. Getting caught up on bills, eliminating some debt and saving are all things to be very proud of. Temporary hardships don’t have to turn into permanent problems. Creating a plan of action and sticking to it no matter what arises will always be rewarding. Celebrating the small wins should never be overlooked. We’ve all handled this year in different ways – but what’s most important is discovering what works for you. Rule of thumb for those that are battling with the ‘not enough’ emotions: don’t believe the hype. While there is a multitude of people accomplishing great things, there are also many imposters. Social media is a highlight reel, a virtual platform where people can share whatever information they choose, at their discretion. People are more likely to share their highs versus their lows, so be sure to keep in mind you may only be getting a small piece of the overall story. Don’t look at someone else’s life and fail to recognize what you’ve done on your own. Financial progress, no matter how insignificant you may think it is – is still progress. We all make financial missteps and life has a way of making things very difficult that hit us where it really hurts. Keeping your head above water, remaining afloat, maintaining your health, and providing for your family should never be considered a small feat. Grant yourself some grace and reflect on the dedication it took for you to get (and stay) where you currently are.

Back to the basics

This year forced us to really hone in on what matters and prioritize accordingly. This applies to our lives, but most importantly our finances. Pulling back the curtain to really take a look and evaluate where money was going served as a constant reminder that we should be doing this more than the occasional once or twice a year. It’s never too late (or too early) to create new money habits! Financial stability is essential – and maybe the cushion we imagined should be enough proved itself to be untrue. Our willingness to make changes at a faster rate to ensure the financial security of our families felt less painful and so much more intentional. The uncertainty of everything occurring allowed us to complain less while redefining comfort levels with our contingency plans.

No matter what has transpired this year, what are you most thankful for? As things come to mind be sure to jot them down. Reference them when your days seem laborious or when your feelings try to force you to reflect on things that aren’t as positive. It’s clear we don’t know what the future holds, but we do know (and have been reintroduced) to the moments, things, and people that continually keep us hopeful and thankful – no matter what lies ahead.

The post Gratitude in a Difficult Year appeared first on MintLife Blog.

Source: mint.intuit.com

Hitting the Books Again? Here’s How to Financially Prepare for Grad School

Deia Schlosberg had been working as an environmental educator, teaching students about issues concerning conservation and sustainability. While she loved teaching, she wanted to reach people on a larger scale about the importance of protecting the environment. So she decided to follow her dream of becoming a filmmaker—a dream that would require her to return to school for a graduate degree. She had no idea at the time that it would lead to becoming an award-winning documentarian.

While Schlosberg’s choice may have paid off, learning how to pay for grad school as a working adult can be a challenge. There are various benefits to getting an advanced degree: You can learn more, you can earn more, you can further advance in your current job or prepare for a career change. However, you might also find yourself stressed by the expense and resulting debt of it all, especially if you have kids, a home or other financial commitments. So a big question on your mind could be, “How much should I save for grad school?”

To financially prepare for grad school it’s important to weigh the benefits and stressors that surround getting an advanced degree.

Below are some lessons on how to financially prepare for grad school to help you determine if and when you should go back to school. If you haven’t yet decided if graduate school is right for you, see section 1 for tips on how to decide. If you already know you want to go back to school, skip to section 2.

1. Decide if going back to school is right for you

Getting an advanced degree may seem like a ticket to success, but depending on your chosen area of study, the outcome may vary. For Schlosberg, it was a bit of a risk. It can be difficult to get a break in the film industry, and going to grad school could mean carrying around debt for a long time. Is this the type of outcome you would be willing to accept?

According to Emma Johnson, best-selling author, career consultant and founder of Wealthysinglemommy.com, there are a few things you can do to help you decide whether or not going back to school is right for you:

  • Do your homework. When considering how to pay for grad school as a working adult, research your degree options and the jobs to which they might lead. Compare cost and compatibility—for instance, will classes for the program align with your work schedule? Once you’ve determined what kind of occupation you may pursue after grad school, search online for information about that occupation’s average earnings.
  • Solidify your goals. You may find clarity in writing out your goals for going back to school. Some benefits are tangible, like earning more money, building a professional network and gaining skills. Others might be less tangible, such as finding personal fulfillment. Once you know your goals, it will be easier to determine if a graduate degree makes personal and professional sense.

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“Your savings should not only depend on tuition but also what the degree is—i.e., how easy it will be to repay once you are working in the desired field.”

– Deia Schlosberg, filmmaker
  • Give your degree program a test run. Consider taking classes that relate to the degree you are interested in getting in grad school. These classes can give you a taste of the subject matter you’ll be studying and help you meet people involved in the field. Also, if prerequisites are required for your advanced degree, they often cost less online or at a community college, which is important to remember when thinking about how to prepare your finances before grad school. Make sure the course credits will be accepted at the graduate school you plan to attend.
  • Take a hands-on approach. To level up in your existing career or find out what it’s like in a new field before making the change, get some work-related experience first. For instance, to learn more about moving up in your own field, get out and meet those higher level professionals by attending conferences and networking events. The same tactic applies if you want to change careers.

2. Know how much you need to save

How to pay for grad school as a working adult can be complicated, but you’ve decided you’re ready for it. Plus, hitting the books at a time when saving for retirement or your child’s education could be at the forefront makes the task of how to prepare your finances before grad school even more critical.

Understanding how to prepare your finances before grad school becomes more complicated if you’re also budgeting for a retirement plan or child’s education.

Figuring out how much to save for grad school begins with determining the cost of attendance. Here are a couple ways to do that, according to Johnson:

  • Do the research. Once you have found a school and degree that you like, visit the school’s web site. Some schools may provide the cost of tuition, fees and estimated costs for books, supplies and transportation. Costs can vary tremendously, depending on various factors: whether you attend full or part time, whether you attend a public or private school, whether you are an in-state or out-of-state resident and the time it takes to get your degree.
  • Determine your budget. Once you have a handle on the school-related costs, build a spreadsheet that accounts for these costs and projects monthly income and living expenses. Working through a savings plan beforehand can help you financially prepare for grad school by showing just how much you’ll need to budget for monthly on tuition plus living expenses. Once you determine these factors, you’ll get a better idea of what you need to save up.
  • Create a savings buffer. After you determine your monthly costs, pad that number. “Your savings should not only depend on tuition but also what the degree is—i.e., how easy it will be to repay once you are working in the desired field,” Schlosberg says. She saved a little more than she estimated, giving herself an extra cushion to cover some of the potential risk to her finances.

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“You may have to downscale your career and current lifestyle to go back to school, which may be a worthwhile investment of time and resources.”

– Emma Johnson, career consultant

3. Allow yourself a flexible timeline

One key factor in planning the timeline for earning your graduate degree: Don’t be in a rush. If you need to, create the time to save. It may not be necessary to go back to school full time or finish on a particular schedule, Johnson says. She mentions these possible paths to earning your degree when planning how to pay for grad school as a working adult:

  • Consider a side hustle. One option is to go to school full time and take on a side hustle. You may not make as much as you did as a full-time employee, but the income can complement your savings. It may also allow you to concentrate more on your degree and finish faster.
  • Attend part time. Go to school part time (nights and weekends) while working. It will take longer, but it will also minimize your debt, which could be better in the long run.
  • Take it slowly. Only sign up for a class or two—whatever you can afford—and continue to work. This part-time “lite” approach may take even longer, but could help you avoid overextending yourself financially or sliding into debt.
  • Take online classes. Consider online programs that could lower the cost of tuition and allow you to continue working full time.
If you’re wondering how to pay for grad school as a working adult, consider attending school part time and taking online classes.

4. Take advantage of potential cost-saving benefits

So you’ve done your research on how much you need to save while determining how to prepare your finances before grad school. But there are ways to potentially cut or eliminate some of those costs. What comes next are some solutions that may help pay your grad school bills:

  • Consider loans, financial aid and scholarships. “I took out some student loans for living expenses, but I tried to pay off my tuition as I went by working through school,” Schlosberg says. Graduate students may also be eligible for different types of scholarships and grants, which is aid that does not need to be paid back. Depending on your area of study, scholarships and grants can also be obtained through federal and state organizations, private foundations, public companies and professional organizations.
  • Ask your employer to pay the tuition. One way to financially prepare for grad school is to talk to your manager or human resources representative to find out if your current employer would help pay for, or fully fund, your degree through tuition reimbursement. This is most likely if you plan to move up the ladder and use your new skills on behalf of the company.
  • Take advantage of in-state tuition. Some people move to the same state as their desired school to try to get a break on tuition. “I moved to Montana and worked a couple jobs for a year before applying so I could get in-state tuition,” says Schlosberg. Whether you are already a resident or you move to a new state, be sure to determine how long you need to be a resident to qualify for in-state tuition at your desired university.
  • Cut back on discretionary expenses. Seemingly small things like adjusting your lifestyle to lower your monthly costs, which could mean fewer lattes and dinners out, might go a long way in resolving how to prepare your finances before grad school. “You may have to downscale your career and current lifestyle to go back to school, which may be a worthwhile investment of time and resources,” Johnson says.
When determining how to financially prepare for graduate school, consider scholarships, in-state tuition and tuition reimbursement.

Financially prepare for grad school and get a new start

Answering the question of how to pay for grad school as a working adult requires significant research and preparation, but some say it’s worth it, including Schlosberg. It not only gave her a whole new start, but a wealth of knowledge going forward to nurture her future endeavors. “Getting a graduate degree gave me the confidence to jump into a new career. I met an amazing network of people,” Schlosberg says.

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But an advanced degree may not be a necessity. While it could look impressive on a resume, for many employers, a master’s degree is not a requirement. “Whatever you do, don’t go back to school just for the sake of getting a degree,” Johnson says. When thinking about how to financially prepare for graduate school, make sure it fits into your financial picture and that you’re able to “weigh your sacrifices against future gains,” she says.

The post Hitting the Books Again? Here’s How to Financially Prepare for Grad School appeared first on Discover Bank – Banking Topics Blog.

Source: discover.com

A Guide To Everything You Need To Know About Home Ownership Costs [Free Download]

Along with the excitement of purchasing a new home, comes the additional costs that you will be expected to pay as a homeowner. Apart from covering the mortgage of your home, you’ll have additional expenses – such as home insurance – that you will be expected to cover. If you’re looking to budget for a home purchase, it’s important that you consider these costs as they can add up to thousands of dollars each year.

To help you make educated decisions when budgeting, we’ve compiled a list of the major home ownership costs in one free, downloadable guide. Get the Home Ownership Costs to Consider guide here.

Home Insurance

Home insurance policies help protect against serious damage and destruction, like fires, leaks, floods, or break-ins. It also protects a homeowner from personal liability. Some banks may offer home insurance products, although you can typically purchase a home insurance policy through a home insurance agent or broker. 

Tip: You may get better rates if you use a broker or agent. It’s also important to keep in mind that policies typically renew on an annual basis.

Condo Fees

The cost of maintenance fees should be taken into account when you’re buying a condo. This recurring cost is in addition to your mortgage and impacts how much home you can afford. 

Your mandatory monthly fee will vary by your building and square footage. It typically covers:

  • Utilities (such as water and garbage collection)
  • Building insurance
  • Maintenance of common areas (such as the gym, pool, front desk, hallways, landscaping)
  • Building reserve fund (covers emergencies and long-term maintenance projects such as a new roof or elevators repairs)

What Are Status Certificates?

If you’re looking to purchase a condo, you’ll want to look into obtaining a status certificate so that you have as much information about the building and your unit as possible before buying. A status certificate provides valuable information about the condo corporation and its financial

situation. It includes details on the budget, legal issues, the reserve fund, maintenance fees, and any fee increases expected in the future. 

Tip: You’ll want to carefully review your status certificate with your lawyer before making a purchase.

Property Tax

Property taxes are paid annually by homeowners to their municipality. These taxes are ongoing and are separate from your mortgage. Your annual property tax can often be paid in installments.

Tip: It’s important to remember that this cost is not due at closing, but is a recurring cost.

How Are Property Taxes Calculated?

Your property tax rate will vary depending on the value of your property as assessed by your provincial assessment authority. This is then multiplied by a rate that falls between 0.5% to 2.5%.

How Do You Pay Property Taxes?

You can pay your property taxes either through your mortgage provider or directly to your municipality. 

Your Utility Bills

When you purchase a home, you’ll have to set up or transfer your utility bills to your new home. If you live in a condo, these costs may be included in your monthly maintenance fee. Your utility bill will include:

  • Hydro (electricity)
  • Heat
  • Water and Garbage
  • Internet, Phone, Cable

For the full details on the home buyer’s journey including examples, advice, pictures and sample calculations, download a copy of our free Home Ownership Costs to Consider Guide here.

The post A Guide To Everything You Need To Know About Home Ownership Costs [Free Download] appeared first on Zoocasa Blog.

Source: zoocasa.com

Best Tips for Shopping at the Grocery Store on a Budget

It’s no secret that you can be healthy on a budget, but the real secret lies in how you can stay healthy and on budget.  Just like adapting to a new diet, staying on budget is all about behavior change.  In my previous article, I shared tips on eating healthy on a budget, and this time around, I’m digging a little deeper into how to stay on budget on a shopping trip.  Since I get groceries at least once per week, both for work projects and for my personal family shopping, I consider myself an expert in saving money at the grocery store.  Here are my top 10 tips for shopping at the grocery store on a budget, and don’t be surprised- some of these tips start even BEFORE you hit the store!

1. Check mail for coupons and ads

Cutting coupons may seem like a blast from the past, but if cutting out little pieces of paper can save $5 for my future, then I’ll be clipping away!  Each week, your mail includes ads from local grocery stores and coupons from major brands, so tossing that mail out is like throwing away money. Instead, look through that mail to find deals on your frequently used items, and anything special coming up.  Shopping ads especially help me to plan food for holidays, like for this budget-friendly spread for Fourth of July.

2. Make a grocery list.

I suggest planning out weekly meals and making a grocery list for it. This not only saves a lot of money, but will also save time in the grocery store and help reduce food waste (which is basically wasted money).  Going into the store with a list makes me feel more prepared and in control of what I spend. It’s pretty easy to say no to those extra treats in the cart if they’re not on my list.

3. Shop where you bag your own groceries.

If you have a grocery store in town where you bag your own groceries, chances are that store has the best prices since the savings on staff can be reflected on your receipt.  Plus, I like to bag my own groceries, as it gives me a final run-through of my purchase to make sure I didn’t forget anything, and I get to bag them exactly how I want.

4. Eat before to avoid impulse and unhealthy buys.

The biggest mistake in overspending at the grocery store is going shopping when your stomach’s growling.  That extra bag of chips gets half-way eaten before check-out at the register, and guess what?!?! It wasn’t on your grocery list, in your budget, OR on your meal plan.  Prevent that mistake by eating before a trip to the grocery store and it will be easier to stick to your plan.

5. Buy seasonal fruit and vegetables.

There are so many reasons why eating seasonally is better- less impact on the environment, more nutrients, and better taste- but buying produce in season is actually a great way to save money and eat healthy.  You don’t have to spend extra on foods that are imported from different regions when it’s growing in season in your area.  When produce is in season, it’s in abundance so farmers are able to give a better deal.

6. Buy frozen veggies.

While I stress that fresh is best, there are some times when it just makes sense to buy frozen veggies.  One reason would be because of cost. If there is a good sale on organic frozen peas, I’ll go ahead and purchase some ahead of time since I can store it in my freezer.  Another reason to buy frozen is because of seasonality. There is plenty of fresh and juicy corn available in the summer, but when it comes to winter months, I like to pull corn straight from my freezer.

7. Buy deli meat and cheese at the deli.

There is so much emphasis on how pre-packaged foods are more convenient, but these foods are not convenient on my wallet or my diet. When you buy foods that are already packaged, you’re paying for that extra packaging and all the costs that go along with that (from advertising, to transportation, to even stocking it on the shelves).  On top of that, buying food already packaged up can mean you end up wasting some of that food if you don’t use it.

That being said, I am all for soliciting the various departments of the grocery store and getting exactly how much I need, which means I pay for only that.  I get my sandwich meat and cheese from the deli and what I love is that I can tell them how much to slice, how many slices, and even how thick to make my slices.  Gone are the days of moldy cheese because I ran out of bread- now I know to shop for exactly what I need.

8. Buy bread and baked goods in the bakery. 

Speaking of bread, I also buy baked goods at the bakery.  Not only are these items usually made fresh in stores, they also skip all the fancy packaging and trickle all those savings to you.  If you’re seriously on a budget, some bakeries even sell day-old goods for a fraction of the cost.

9. Buy meat in bulk, cut and freeze.

While you’re visiting the different departments of the grocery store, don’t forget to make a stop to the butcher.  I like to buy meat in bulk and cut it to freeze for later. It’s so much cheaper to buy meat like this, and I love the convenience of having options to use in my freezer.  My biggest tip is if you’re going to make chicken, get the whole chicken because that’s considerably cheaper than one that’s cut. Aside from using just the meat, you can also make a delicious chicken broth with the carcass, which is a great way to use the whole animal and also save money even more!

10. Buy Bulk Bin items.

You know those bulk bins at the grocery store?  That section is like gold to me since every time I visit it, I’m saving money!  Since I’m usually developing recipes, it’s just easier to purchase the exact quantity of something, that way I know exactly how much something costs.  What’s even better is that I only have the amount needed for the recipe, and that leaves me with less food to waste each month. I absolutely dread throwing away food, because it’s like throwing away money, so by buying some ingredients in bulk, I know I’m using up what I need.

Using ingredients from bulk bins, I’m going to make aebleskiver, or Danish Pancakes.  Ever since I got a special pan, I’ve been obsessed with making these fun-size pancakes.  I usually don’t purchase separate pans for specialty foods, but I really got my money’s worth for this pan since I use it a few times each month.  Yes, I could buy these ingredients packaged up ahead of time, but it’s happened where I think I have enough flour for a recipe (usually after I already mixed up the other ingredients), but I don’t have enough so I have to waste my time with an emergency trip to the store.  But ever since I started using bulk bins, I know I have enough for my recipes every time, and when it comes to eating healthy on a budget, everything adds up!

 

The post Best Tips for Shopping at the Grocery Store on a Budget appeared first on MintLife Blog.

Source: mint.intuit.com

How to Increase Your Earning Potential

Every year presents new lessons we should incorporate on this life journey, and this one, in particular, is no exception. In a world that is ever-changing one thing that has to remain the same is our ability to pivot when necessary. Whenever life challenges arise, we often make changes and shift out of force rather than free choice. While this logic can be applied to every aspect of our lives it’s an especially crucial concept as it relates to our finances. There’s no need to wait until your employer needs to decrease headcount or reduce work hours to jumpstart your rediscovery process. Make the decision today that no matter what happens within the economy, you are making the strides to guarantee your earning power doesn’t rest in the hands of someone else.

Set yourself apart and strengthen your skills

Often times, the number one thing you can do before executing plans of any kind is focus on strengthening your skills. Are others able to depend on you?  If you desire to run your own business or be a high-performing, contributing employee – are you reliable? Being able to breakdown complex situations and produce viable solutions, paying special attention to detail, and asking the right questions at the right time are skills that many often have, but have yet to master. Focusing on any skills that may come naturally to you while achieving mastery, in the long run, will absolutely contribute to the opportunities you are afforded over other candidates. It’s not about competition, because what’s for you won’t pass you by. It’s about actively showcasing you are indeed the best candidate with the physical results to prove it.

Seek out new opportunities and expand your skillset

People believe there are only a few ways to bring in additional income – one being a side hustle. This isn’t necessarily the case. Seeking out opportunities within your current or new place of employment can be just what you need to make substantial strides in increasing your earnings as well as visibility. Make yourself familiar with the Human Resources policies for promotions and role transitions. Look into if there are side projects you can add to your workload that can increase your skillset while being introduced to a new audience of people; consider exploring that. Be sure to document the pros and cons of the newly added responsibilities while making sure it aligns with where you ultimately want to be. Don’t shy away from having a conversation with your manager and making your goals known.

Ask for more (and quantify it)

Employers have mid-year and end of year reviews to go over performance goals and ensure the work you’ve done over time aligns with the responsibilities of the team as well as the company. While this is protocol, as an employee you don’t have to wait until this designated time to discuss career goals. Not only does this conversation create awareness between you and your manager – it allows them to understand your desire for more. I’m sure we’ve all had less than desirable bosses, coworkers, and teams. We’ve also been in situations where we know that the work required of us was so much more than the actual amount of money we were taking home. To avoid the unfortunate cycle of being overworked and underpaid that many fall into, have an open and candid conversation with management. Be sure to quantify every task and tie a metric to it if possible. This helps to build your professional story while also making sure your resume stays current for all new opportunities as they arise.

Start a side hustle

When your friends, family, or peers often ask you to complete something and you enjoy doing it; what is that ‘thing’? What talents do you innately have that seem as if it doesn’t require a huge amount of effort? The answers to these questions should birth the idea of your new side hustle. As daunting as it may sound, take the time to loosely create a plan. Remember, this is scalable! Go at the pace that is most comfortable for you and can transition well into your lifestyle. Solicit the help of family and friends while using your larger network to advertise your talent. Social media and word of mouth can go a very long way – use all outlets to promote yourself and your services.

Never underestimate the power of networking

We all have a comfort zone and typically stay within those walls on a regular basis unless probed. However, do you consider the opportunities that could be available to you by adding several new people to your network? Utilize employee resource groups at your place of employment, various professional networks in your local cities, and other organizations that have a virtual platform. Do a quick Google search based on your preferred industry and start the journey of expanding your network. There’s a very familiar phrase we’ve all heard at some point, “it’s not what you know, it’s who you know.” LinkedIn is a great social media platform to engage with professionals all over the world on various subject matters and topics. Don’t be afraid to put yourself out there and make the connections that could lead you to new opportunities.

Become a lifelong learner

Make a commitment to yourself that no matter what happens, you will always seek knowledge, no matter the method. Explore personal and professional learning opportunities. This may be pursuing an advanced degree to expand opportunities. For others, it can be obtaining a certification within your desired field to land a better position – resulting in a salary increase. If either of those doesn’t sound appealing or fit within your current life circumstances, you can always attend conferences, listen to webinars, podcasts, and so many other cost-effective (or free) learning channels to keep your skills in top shape. This could be listening to an audible book while driving in your car or reading a new article every day related to your industry before getting your day started – learning is limitless!

The post How to Increase Your Earning Potential appeared first on MintLife Blog.

Source: mint.intuit.com

The Average Salary of a Pharmacist

The Average Salary of a Pharmacist.

If you’ve been to the pharmacy lately, you may have found yourself wondering how much pharmacists make. Being a pharmacist, at least at the retail level, involves a lot of standing, long shifts and dealing with customers. In other words, it might not be for everyone. On the plus side, salaries in the field are on the high side, with an average annual salary of $123,670. 

The Average Salary of a Pharmacist: The Basics

The Bureau of Labor Statistics (BLS) reports that the mean annual salary of a pharmacist in May 2018 was $123,670 per year. The highest-paid 10% of pharmacists earn a mean annual wage of $161,250. The lowest-paid 10% of pharmacists make an average of $87,790. So, no matter where you end up on the pharmacist income scale your annual wage is likely to be much higher than the annual income of the average American.

The BLS also provides a job outlook for the professions it studies. The job outlook shows the percent by which a field will grow (or shrink) between 2016 and 2026. The job outlook for pharmacists is 6%, which is just shy of the 7% average across all fields. Between 2016 and 2026, the BLS projects the field will add 17,400 jobs.

Where Pharmacists Make the Most

The Average Salary of a Pharmacist

The BLS also looks at state and metro-area data on the jobs the Bureau studies. So where does it pay the most to be a pharmacist? The top-paying state for pharmacists is Alaska, with a mean annual wage for pharmacists of $139,880. Other high-paying states are California ($139,690), Vermont ($135,420), Maine ($133,050) and Wisconsin ($132,400).

The top-paying metro area for pharmacists is Tyler, TX, with an annual mean wage of $174,870. Other high-paying metro areas are Santa Cruz-Watsonville, CA ($155,330); Vallejo-Fairfield, CA ($153,820); Santa Maria-Santa Barbara, CA ($151,590) and San Jose-Sunnyvale-Santa Clara, CA ($149,790).

Becoming a Pharmacist

In order to get a job as a pharmacist, you first have to get a Doctor of Pharmacy degree, also known as a Pharm.D. A Pharm.D. is a postgraduate degree, but most programs only require applicants to have two years of undergraduate education under their belts. Many future pharmacists will spend two years taking prerequisite courses like chemistry, biology and physics. Then, they’ll matriculate and spend the next four years in pharmacy school.

Once you have your degree, you’ll need to pass two exams to receive your license. The first is The North American Pharmacist Licensure Exam (NAPLEX), which assesses your knowledge and skills. The second is either a state specific test or the Multistate Pharmacy Jurisprudence Exam (MPJE). This tests your knowledge of pharmacy law specific to the state you’ll be practicing in.

The Cost of Becoming a Pharmacist

The Average Salary of a Pharmacist

Becoming a pharmacist requires years of study and, for most people, taking on student debt. According to the American Association of Colleges of Pharmacy
Graduating Student Survey, 84.8% of pharmacists-in-training borrowed money to complete their Pharm.D. degree program. Of the survey respondents who borrowed money, the median amount borrowed (across public and private institutions) was $160,000.

Bottom Line

While pharmacists have an advanced degree and a high salary, they are often working in a retail setting. And retail, with its heavy emphasis on customer service, isn’t for everyone. Still, the high pay and job security, along with the intellectual and public-service aspects of working as a pharmacist, might make it worth it. If you’re thinking of becoming a pharmacist, it’s a good idea to talk to some professionals in the field before you commit to an expensive course of study.

Tips for Forging a Career Path

  • Your salary dictates a lot of your financial life, such as how much you can afford to pay in rent and the slice of your paycheck that goes to taxes. However, there are some principles that apply no matter your income bracket, like having an emergency fund and saving for retirement.
  • Need help managing your money and growing your nest egg? You should probably be working with a financial advisor. Finding the right financial advisor that fits your needs doesn’t have to be hard. SmartAsset’s free tool matches you with financial advisors in your area in 5 minutes. If you’re ready to be matched with local advisors that will help you achieve your financial goals, get started now.

Photo credit: Â©iStock.com/skynesher, ©iStock.com/gradyreese, ©iStock.com/IPGGutenbergUKLtd   

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Source: smartasset.com

How to Include Some Guilt-Free Spending in Your Budget

With so many of us dealing with the coronavirus pandemic (plus the financial fallout from it) and spending more time at home this year, there’s a very good chance your family budget looks different. Our own budget had some big adjustments (transportation costs went down to basically nothing) along with some minor changes (buying supplies and items around the house for projects).

Our money dates have had us reevaluate some things and redirect money to other expenses and savings. Besides making sure that you’re taking care of essential expenses and building up your financial cushion, you want to want to make sure you include another key area in your budget – some guilt-free spending in there as well.

Why Budgets Need to Include Some Guilt-Free Spending

First off what exactly is guilt-free spending? And why should families include it when planning out their budget. Basically, it covers the expenses that you enjoy. Every family has different ways they use that money. It could be travel, eating out together, adding another pair of shoes to your collection, or gadgets. With families having to deal with so many decisions and challenges, there has been an increasing awareness of having proper self-care as part of the routine. Families are now including that in their budgets.

The key part of keeping these expenses guilt-free is that they bring you joy without breaking the bank. These aren’t frivolous spending sprees. They can be meaningful purchases such as supplies for a hobby like painting that enriches your life. Second, these expenses are planned ahead of time and baked into your budget so you’re not taking on debt or upsetting your family’s cash flow.

Why Budgets Typically Fail

One of the reasons why I think having some fun money in your budget is a wise move is because it’ll help make your budget more sustainable. How? If I asked you what the point of a budget is, what would you say? Most tell me it’s to keep their spending in check.

It makes sense to believe that because for most families that’s what it’s about – restrictions. However, the best budgets I’ve seen are geared towards the direction of the money. I’ve interviewed families who have retired early or have knocked out a ton of debt and something they had in common was that their budgets reflected their priorities and circumstances.

Before they put pen to paper (or tap the app), they sat down and defined what goals they wanted to achieve. If you had to break down a budget the three key areas are basically:

  1. Paying your essential bills.
  2. Building long term financial stability.
  3. Have the money you can use now to enjoy.

Many times, the disagreements, arguments, and sometimes sabotage with budgets come from friction on finding a balance between spending money with long term stability and enjoying now. If you skew too much to saving up for the future, one or more of you in the family could start getting resentful. Financial infidelity or set back with keeping the budget can occur for many reasons, but some spouses say one reason is there’s absolutely no wiggle room in the budget for fun. If you’re only focused on the now when something comes up – hello 2020! – you’re left without a safety net.

For families with kids, that’s an additional source of stress they don’t need. I noticed that the families who hit their goals had found a way to balance things. They save towards their long term goals as well as set aside money to enjoy now. How? By redoing how they approached their budgets.

Easy Budget Framework to Use

Let’s go back to those three key goals of any budget – taking care of essentials, saving for the future, and spending on the present. Families looking to include all of these goals need a budget that can weave them together. If you’re just starting out with a budget and are still trying to figure out a framework, an easy foundational budget is the 50/20/30 budget. It divides up your money into those three key goals, with 50% going to necessary expenses, 20% towards financial stability and wealth, and 30% towards discretionary or fun money.

Feel free to adjust the percentages based on your circumstances, but for many families that three-bucket approach is easy enough to set up and it gives them enough wiggle room where there can enjoy some of their money now. Once you’ve created that budget, you can then take the next step – automating your money. We’ve done this for over a decade and it has been incredibly helpful. We have our bills automated every paycheck plus our savings and investments are scheduled monthly. With those necessary things taken care of first, we know whatever spending we do won’t harm our expenses.

Staying on Top of Your and Budget – The Easy Way

Now that you have a budget and you’re including some guilt-free spending, how do you make sure you’re staying on track? There are some wonderful options out there including money apps like Mint. You can stay on top of your money without losing your mind because the apps can pull that data from your accounts and give you an easy and clear way to see where your money is going. You can also use Mint to track your goals like paying down debt or saving up for a house. With that information in front of you can quickly and easily see how you’re doing anytime.

Another handy tool with Mint is how simple it is to set up alerts on certain spending. So if you have set aside $200 for your ‘fun’ account, Mint can notify you when your spending is getting close to your limit. It’s a more proactive and real-time way to manage your money without having to worry about every single penny.

Your Take on Budgets

As you can see, with a little planning you can be financially savvy and enjoy some fun now. I’d love to get your thoughts – how do you approach your budget? What are some must-have expenses in yours?

The post How to Include Some Guilt-Free Spending in Your Budget appeared first on MintLife Blog.

Source: mint.intuit.com

ADA Compliance: What Renters Need to Know

You may dream of owning your home or place of business, but renting is more affordable. Plenty of other people are in the same position, so this is a booming business. Part of a landlord’s responsibilities is creating a usable space for all tenants, which means complying with the Americans with Disabilities Act (ADA).

What is the Americans with Disabilities Act (ADA)?

The ADA became law in 1990 to protect both tenants and renters in cases that could involve disability discrimination. Before you sign your next lease for your home or business, check out what every tenant should know about ADA compliance. Renters are responsible for more than you might think, so it’s essential to fully understand what you’re walking into.

woman in wheelchair

1. Both parties are responsible

People with disabilities are protected by the ADA, specifically when it comes to Title III. This requires landlords to make rental spaces accessible for anyone with a disability so they can access the property equally. They must modify their properties to meet current ADA regulations, which was last updated in 2010.

In the case of renting a commercial or residential unit, both parties are responsible for ensuring they meet ADA requirements. Before signing on the dotted line, discuss any needed additions or renovations and who’s responsible for paying for them. It’s supposed to be a team effort, which can result in liability exposure for the landlord if they don’t comply.

2. Auxiliary aids are included

Hearing and vision impairments sometimes get overlooked during building construction, but they’re part of Title III. Depending on the agreement with your landlord, they may cover most or half of the bill for aids like notetakers, Braille additions or signs in larger print.

3. Accessibility modifications may count

Your landlord may try to fight against paying for accessibility modifications if they want to cut corners. Still, they must pay the full bill if the changes count as reasonable modifications, like installing a ramp to get into the unit. Vertical lifts and elevators may also join the accessibility options list, depending on the renter’s disability.

Reasonable modifications are mostly defined by how inexpensive and quick the projects are, but the landlord should pay the total bill if they haven’t provided an accessible property.

braille elevator buttons

4. Both parties designate responsibility

Most commercial leases leave room for tenants and landlords to allocate responsibility before they become official. Depending on the tenant’s financial capabilities, the two parties will decide what they’ll pay for regarding unmet ADA compliance. The finer details, if any, will vary depending on the lease.

Even after both parties agree on their responsibilities, tenants may have to go a step further. Read through your lease to see if there’s language indicating you need to provide your landlord with a lawyer if they’re the subject of an ADA lawsuit. They’ll still legally have to meet their agreed-upon responsibilities, but tenants could have to pay for their legal representation if it’s outlined in the lease.

5. Landlords deal with common areas

Even though your rental space may be ADA compliant, the areas surrounding it could be challenging to access. Because spaces like sidewalks and parking lots aren’t included in your lease, landlords are responsible for them.

If you have any issues accessing your rental unit because these areas don’t have the disability modifications you need, your landlord should fix them at no cost to you.

6. Injunctive relief is common

Some renters may seek financial compensation for their time or efforts in dealing with inaccessible spaces, but most of the time, that’s not possible. The majority of states won’t allow plaintiffs to receive monetary damages or compensation under Title III. Still, you may be responsible for attorney fees and costs after the case gets settled in court. The majority of cases end with injunctive relief, where one or both parties work to solve the issues at hand.

The only time plaintiffs might get damages at the end of a case is if the U.S. Attorney General files an action based on a pattern of discrimination on the part of the landlord. The fines then may include financial compensation or back pay as needed.

Get everything in writing

Both tenants and landlords should get everything in writing as they work to come to an agreement about who’s responsible for which ADA compliance issues. If something goes wrong in the future and one party files a complaint in court, documented terms and signed paperwork will help sort through the problem and come to the best solution for everyone.

The post ADA Compliance: What Renters Need to Know appeared first on Apartment Living Tips – Apartment Tips from ApartmentGuide.com.

This Stunning Modern House Was Built With Fire Safety in Mind

The record-breaking 2020 fire season has seen huge wildfires tear across California. In fact, five of the six largest fires ever recorded in the state have occurred this year, endangering residents, prompting evacuations and leading to thousands of lost buildings.

Unfortunately, researchers are forecasting even longer, more extreme wildfire seasons in the years to come — which means fire safety is now fast becoming a feature more treasured than even the most extravagant of amenities. And home builders are starting to cater to that need, coming up with ingenious ways to ‘fire-proof’ their projects.

One stunning example of that is this newly-built $5 million home in Marin County, Calif. that prioritizes fire safety — something that’s likely to become a new standard for million dollar homes throughout the Golden State.

Newly-built home in Marin County, CA focuses on fire safety
Newly-built home in Marin County, CA. Image credit: Thomas Henthorne

The builder picked all of the outdoor finishes with fire safety in mind, using only steel, glass and concrete. Even the decks are made from Fibergrate (a type of molded fire-resistant fiberglass and stone).

In fact, the only wood you’ll find in this home is the wide-plank engineered oak floors. As expected, there is also a fire suppression system throughout the home.

Newly-built home in Marin County, CA focuses on fire safety
Newly-built home in Marin County, CA. Image credit: Thomas Henthorne

Yet fire safety is not the only area in which this home excels. With its dramatic walls of glass, soaring steel beamed ceilings, and high-end designer finishes, the property is a stunning example of modern 21st century architecture.

Set in the coveted Country Club neighborhood of San Rafael — roughly 11 miles north of San Francisco — the house boasts a modern industrial design, with its walls of glass opening up the indoor areas to the outdoor greenery and flooding the home with sunlight and captivating views. The space is anchored by a stunning ultra-modern kitchen and features wide-plank oak flooring and a modern fireplace.

The house boasts a modern industrial design with soaring steel beamed ceilings.
The house boasts a modern industrial design with soaring steel beamed ceilings. Image credit: Thomas Henthorne
Walls of glass open up to beautiful nature views and flood the home with light
Walls of glass open up to beautiful nature views and flood the home with light. Image credit: Thomas Henthorne
dining room of an ultra-modern house in california
Walls of glass open up to beautiful nature views and flood the home with light. Image credit: Thomas Henthorne

The fire-resistant home comes with 4 bedrooms, 3.5 bathrooms, and quite a few ultra-modern features. It has its own solar system (powered by 28 solar panels) and battery back up systems for when the power is out, and has been outfitted with smart home technology like a Doorbird Entry System, Nest thermostats, smart lighting, automatic blinds and more.

Adding to that wow factor is a dramatic, Instagram-worthy foyer at the entrance, which has ‘living walls’ of exotic plants on both sides. Same goes for the outdoor pool, which comes with a built-in spa, automatic safety cover and gas heater.

living wall in the foyer of a luxury home
Dramatic entrance has walls of greenery on both sides. Image credit: Thomas Henthorne
The fire-resistant house features plenty spaces to entertain guests
The fire-resistant house features plenty spaces to entertain guests. Image credit: Thomas Henthorne
modern bedroom with glass walls overlooking the pool
Walls of glass open up to beautiful nature views and flood the home with light. Image credit: Thomas Henthorne
Newly-built home in Marin County, CA
Newly-built home in Marin County, CA. Image credit: Thomas Henthorne

The home is currently on the market with a $4,995,000 price tag. Thomas Henthorne with Golden Gate Sotheby’s International Realty is exclusively representing the property.

More striking homes

See Inside a Modern, Art-Filled Compound — with a Custom Outdoor Piece by French Artist Invader
Morgan Brown Re-Lists Stunning West Hollywood Home Amid Split from Actor Gerard Butler
Join the Ranks of the Hollywood Celebs Renting This House in Malibu
Mitch and Cam’s Duplex from the ‘Modern Family’ Pilot is On the Market & It’s Absolutely Lovely

The post This Stunning Modern House Was Built With Fire Safety in Mind appeared first on Fancy Pants Homes.

Source: fancypantshomes.com