Lifestyle http://www.wisebread.com/taxonomy/term/4806/all en-US How to Rise Above Financial Jealousy http://www.wisebread.com/how-to-rise-above-financial-jealousy <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-rise-above-financial-jealousy" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/portrait_of_an_attractive_woman_at_table_ lotus_pose.jpg" alt="Portrait of an attractive woman at table , lotus pose" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Financial jealousy usually comes from judging a book by its cover, and seeing only one side of the story. You see a successful person driving a fancy sports car and the envy monster comes out. Or, you have a co-worker who is always wearing new clothes, new accessories, and carrying the latest gadgets. Your mind works overtime creating a perfect life around that facade.</p> <p>But really, you don't know the half of it. That person could be completely miserable, and may be caught in the downward spiral of retail therapy. They could be massively in debt. They might also work 90-hour weeks at multiple jobs, giving them very little time to enjoy the fruits of their labor. There are two sides to every story, and chances are, you barely know anything about either. So when you start feeling those pangs of envy, here's how to rise above. (See also: <a href="http://www.wisebread.com/6-ways-envy-is-keeping-you-poor?ref=seealso" target="_blank">6 Ways Envy Is Keeping You Poor</a>)</p> <h2>Remember that the grass is not always greener</h2> <p>There is a scene in the movie <em>The Firm</em> that sums this up perfectly. After becoming embroiled with a mafia law firm, Tom Cruise's character is fighting to stay alive. He's wealthy, he has everything he ever wanted, but his life is all but over. At one point, his wife says, &quot;Let's put the books away, pretend we're back in our old, beat-up apartment, broke, and we find some money we forgot in pockets. We'll send out for pizza. Drink beer. And watch <em>Star Search</em>.&quot; Times were better when they were struggling, because their happiness did not come from money and possessions; it came from each other.</p> <p>Someone else may look like they have the perfect life, and never struggle, but money is not the answer to everything. They may even be envious of you, your life, and your relationship with your family and friends.</p> <h2>Ask yourself why you're so jealous</h2> <p>Sometimes our gut reaction to seeing the wealth of others is to instantly think, <em>I wish I had that.</em> The next time that happens, follow it up with, <em>but why do I want that?</em></p> <p>Let's take the guy with the super expensive sports car. Sure, it's flashy and can do 220 mph. But when can you ever go that fast on American roads? Do you know what kind of mileage it gets? Chances are, it's one horrendous gas guzzler. The maintenance on those cars is prohibitively expensive. The tires cost a fortune, as does the insurance. And then there's the fear of leaving it anywhere it could get scratched, dinged, or stolen.</p> <p>Your current car may not be flashy, but it does the job, it's reliable, and you don't worry about it when it's not parked safely in your garage. And this is just one example. Houses, expensive clothes, jewelry, gadgets, and designer trinkets can consume you. Consider that the next time you see someone driving a Lamborghini.</p> <h2>Look at what you already have</h2> <p>According to the U.S. Census Bureau, the average household income in 2014 was $73,298. If you plug that into the website <a href="http://www.globalrichlist.com/" target="_blank">Global Rich List</a>, you can see how you compare to the rest of the world; the result is staggering. With an income of just under $74k, you are in the top 0.11 percent of the richest people in the world. Raise that to $100k and it becomes 0.08 percent. Think about that for a second.</p> <p>Many people have limited access to clean drinking water and healthy meals. For some, health care is nonexistent. Many people live in shanty towns, are homeless, or struggle to put food on the table every day. When you find yourself wishing for things another person has, consider that you are wealthy in the grand scheme of things. Let's not forget, we live in a society that eats food before and after a main meal. Appetizers and desserts are commonplace for us, but exorbitant luxuries for many. Perspective is everything.</p> <h2>There are more important things in life than money</h2> <p>When someone says, &quot;Money cannot buy happiness&quot; your natural reaction is to respond with something like, &quot;Well, it sure makes things a lot easier.&quot; And that's true. Money can buy travel, shelter, and experiences. It can give you peace of mind. But, it cannot buy the most important things in our lives. Health, for instance. Imagine waking up tomorrow to find out you or a loved one is very sick. Your financial jealousy immediately flies out of the window. Who cares if Mr. Jones has a brand-new BMW? You just want good health for yourself or your loved one.</p> <p>Money cannot buy real, unconditional love. Possessions can bring happiness for a little while, but most of them become next year's Goodwill donations or eBay sales. When we have the love of wonderful people, great health, enough to eat and drink, and plenty to laugh about, we are rich indeed. (See also: <a href="http://www.wisebread.com/5-reasons-being-a-millionaire-is-overrated?ref=seealso" target="_blank">5 Reasons Being a Millionaire Is Overrated</a>)</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/how-to-rise-above-financial-jealousy">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-keep-peer-pressure-from-destroying-your-finances">How to Keep Peer Pressure From Destroying Your Finances</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-envy-is-keeping-you-poor">6 Ways Envy Is Keeping You Poor</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-sloth-is-keeping-you-poor">6 Ways Sloth Is Keeping You Poor</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-pride-is-keeping-you-poor">7 Ways Pride Is Keeping You Poor</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-five-stages-of-not-shopping">The Five Stages of Not Shopping</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Lifestyle envy financial jealousy grass is always greener jealousy keeping up with the joneses seven deadly sins Fri, 23 Jun 2017 09:00:10 +0000 Paul Michael 1971277 at http://www.wisebread.com 8 Ways to Get Fit While Hanging Out With Animals http://www.wisebread.com/8-ways-to-get-fit-while-hanging-out-with-animals <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-ways-to-get-fit-while-hanging-out-with-animals" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/paddleboarding_woman_with_dog.jpg" alt="Paddleboarding Woman With Dog" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Working out isn't always fun. You know you have to do it, but the sweating and the sore muscles aren't always appealing. Luckily, there are ways to get your sweat on and actually enjoy yourself, especially if that workout allows you to hang with your favorite four-legged pet. If your love of fitness rivals your love of animals, check out these ways to integrate your two passions for a healthier and happier lifestyle.</p> <h2>1. Goat yoga</h2> <p>Goats are frickin' adorable, that we knew already. But they've probably never been more adorable than when they're acting as therapy animals in the hot new exercise trend sweeping the nation that combines goats and yoga. Lainey Morse, who created the <a href="http://www.goatyoga.net/" target="_blank">Goat Yoga concept</a> on her farm in western Oregon, has people clamoring to get into her classes, which are starting to expand across the country.</p> <p>These classes progress as you might expect &mdash; humans move through yoga positions while the goats do whatever the heck they want, like jump on your back while you're in child's pose. Morse says the classes are helping people with anxiety and depression, but there are other mental and physical health benefits associated with this type of animal-assisted therapy, such as: reducing loneliness, lowering blood pressure, and diminishing overall pain. (See also: <a href="http://www.wisebread.com/5-things-yoga-can-teach-you-about-money?ref=seealso" target="_blank">5 Things Yoga Can Teach You About Money</a>)</p> <h2>2. Horseback riding</h2> <p>If your fitness goals include abs of steel, hop on a horse. Riding equines requires a decent amount of core strength to stay balanced, and continued riding can improve posture in day-to-day activities. You'll develop better coordination, enhance muscle tone and flexibility (your inner thighs and pelvis get the biggest workout on a horse), and you'll also enjoy the meditative effects that come with focusing on the ride and staying on the horse. Giddy-up!</p> <h2>3. Tending to horses</h2> <p>If <em>riding </em>horses isn't your thing, then <em>tending </em>to horses can satisfy your urge to interact with the animals while staying fit. London-based Pilates educator Julie Driver &mdash; who uses the exercise system to enhance riders' skills &mdash; says that there are plenty of other ways to tone up in the company of mares and stallions.</p> <p>Alongside the benefits of riding itself, Driver suggests these other activities to break a sweat.</p> <h3>Mucking out soiled bedding in the stables</h3> <p>You'll feel the burn in your biceps and forearms after wielding that pitchfork for a period of time.</p> <h3>Carrying straw bales</h3> <p>The average straw bale weighs between 35 and 55 pounds, so replacing the soiled straw that you removed while mucking out the stall will have you burning calories and using your upper body as you move the bales around.</p> <h3>Grooming your horse</h3> <p>Drive suggests using long sweeping strokes to really clean your horse and move your shoulders.</p> <h3>Filling and carrying water buckets</h3> <p>Bend your knees and pick up those buckets. Preferably one in each hand to make sure you're balanced.</p> <p>&quot;All these chores involve an increase in heart rate and aerobic activity with the added benefit of being in the fresh air and outside of a gym environment,&quot; adds Driver. They can all be done as an alternative to the gym, and you could even time yourself!&quot;</p> <h2>4. Dog walking</h2> <p>If you want to keep things moving but not overexert yourself, dog walking may be the gig for you. It's easier than ever to pick up this side hustle that allows you to trot somebody else's pup around the neighborhood while getting paid for it. I offer my services on Rover.com (probably the most popular peer-to-peer pet service out there), which is primarily a dog-sitting service, but there is a walking component to it. (See also: <a href="http://www.wisebread.com/how-to-make-400-a-week-as-a-pet-sitter?ref=seealso" target="_blank">How to Make $400+ a Week as a Pet Sitter</a>)</p> <h2>5. Dog agility training</h2> <p>Plenty of dog moms and dads send their pups away to be professionally trained, but now there are programs available, like Thank Dog! Bootcamp, that offers integrated human and canine personal fitness so you and your pooch can get physically and mentally fit together. This particular program is only available in Tennessee and Ohio at the moment, but you may be able to find something similar in your area with a quick online search. (See also: <a href="http://www.wisebread.com/7-ways-to-get-fit-with-your-dog?ref=seealso" target="_blank">7 Ways to Get Fit With Your Dog</a>)</p> <h2>6. Cat hiking</h2> <p>Mallory Crusta is the owner of Wildernesscat Natural Pet Care, a site dedicated to &quot;providing natural health solutions for adventurous cats.&quot; She's also a supporter of &quot;adventure cats,&quot; a social media-fueled phenomenon that has cats stepping outside of the home and exploring the great outdoors. While kayaking, sailing, camping, and even skiing with cats are all activities growing in popularity, hiking is one with real potential for improving your fitness.</p> <p>&quot;Of course, it's crucial that your cat is comfortable with a leash and harness long before you start exploring the local state park,&quot; Crusta adds. &quot;Take a few test walks, first through your house, then in the backyard, to gradually acclimate your cat to the experience. It's also critical that your hiking cat is trained to come when called. Treats are often the key to training: use them to teach your cat to follow you.&quot;</p> <h2>7. Weightlifting for livestock</h2> <p>I have friends who raise chickens on their property and they can attest to the strength-training they receive by hauling around feed bags and maintaining the coops. &quot;The Critter Lady&quot; Kelly Meister-Yetter also told me about her three flightless domestic ducks living in her backyard, and just about every facet of their care involves weightlifting.</p> <p>&quot;Their bags of feed weigh 50 lbs, and the bales of straw I use in their pen weigh over 20 lbs &mdash; all of which must be moved from the back of my car to the shed in the backyard,&quot; she says.</p> <h2>8. Birding</h2> <p>Novice and veteran ornithologists (and just regular Joes who like watching birds) will reap the benefits of birding through improved cardiovascular health. Bird watchers sometimes walk many miles in search of their flighty subjects. You'll gain increased upper arm strength by holding binoculars and cameras for an extended period, and quick reflexes.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/8-ways-to-get-fit-while-hanging-out-with-animals">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-quick-workouts-you-can-do-during-commercial-breaks">9 Quick Workouts You Can Do During Commercial Breaks</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-to-get-fit-with-your-dog">7 Ways to Get Fit With Your Dog</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-119-best-fitness-hacks-for-busy-people">Flashback Friday: The 119 Best Fitness Hacks for Busy People</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-new-years-resolutions-your-pet-wants-you-to-make">4 New Year&#039;s Resolutions Your Pet Wants You to Make</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-resistance-bands">The 5 Best Resistance Bands</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Lifestyle animals dog walking doga exercise exercise with animals horses pets working out yoga Fri, 23 Jun 2017 08:30:08 +0000 Mikey Rox 1971130 at http://www.wisebread.com The 5 Best Eye Masks http://www.wisebread.com/the-5-best-eye-masks <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-eye-masks" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_sleeping_mask_478866481.jpg" alt="Woman using best eye masks to sleep" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You deserve a good night&rsquo;s sleep. After all, better sleep means better days. Fortunately, no matter where you are, you can enjoy complete blackout (and sleep) with a quality eye mask.</p> <h2>What is an eye mask?</h2> <p>An eye mask is a sleep mask that blocks incoming light for better rest. It can help induce a state of pure darkness so you can more easily relax and fall asleep anywhere, anytime. It can also be used for meditation and yoga relaxation.</p> <p>If your room doesn&rsquo;t get dark enough, if your partner watches TV at night, or if you work the night shift, an eye mask can help you enjoy uninterrupted, restful sleep. The affordable natural sleep aid is also ideal for camping, flights, long car rides, and hotel rooms. (See also: <a href="http://www.wisebread.com/the-5-best-travel-pillows?ref=seealso">The 5 Best Travel Pillows</a>)</p> <h2>Top 5 eye masks</h2> <h3>ALASKA BEAR Natural Silk Sleep Mask</h3> <p><a href="http://amzn.to/2tLk8ZV" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/alaska%20bear.jpg" width="245" height="156" align="right" alt="" /></a>Amazon&rsquo;s #1 best-seller in sleep masks, the <a href="http://amzn.to/2tLk8ZV" target="_blank">ALASKA BEAR Natural Silk Sleep Mask</a> is made of super-soft 100% 19 momme natural mulberry pure silk on both sides, so it feels smooth against the skin. The natural fibers of hypoallergenic silk allow oxygen in while keeping dry air out for breathable, cool relaxation. This makes it great for those who suffer from insomnia, migraines, dry eyes, or sensitive skin. The silky smooth eye mask features adjustable straps to ensure the mask won&rsquo;t tangle hair or slip while you sleep.</p> <p>This also fits comfortably with ear plugs and with a CPAP facial mask. It is Amazon&rsquo;s Choice for eye masks and has over 5,000 five-star reviews on Amazon. It is also backed by a 90-day satisfaction guarantee.</p> <p><a href="http://amzn.to/2tLk8ZV" target="_blank"><em>Currently $9.99 on Amazon</em></a></p> <h3>Bedtime Bliss Contoured and Comfortable Sleep Mask</h3> <p><a href="http://amzn.to/2rARAlq" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/bedtime%20bliss.jpg" width="245" height="139" align="right" alt="" /></a>The <a href="http://amzn.to/2rARAlq" target="_blank">Bedtime Bliss Contoured and Comfortable Sleep Mask</a> is perfect for anyone who doesn&rsquo;t like pressure applied to their eyes. It blocks out light without pressing on your eyes, so you can open your eyes under the mask and still relax in darkness. This enables REM sleep and won&rsquo;t smudge makeup. The contoured mask has a nose ridge and adjustable Velcro straps, so it can optimally fit your face. It is soft, comfortable, lightweight, and durable. It can be used by adults and children and also works well with a CPAP facial mask.</p> <p>This also includes free earplugs, a carry pouch, and a free eBook. It is an Amazon best-seller and has more than 5,000 five-star reviews on Amazon. It is also backed by a satisfaction guarantee.</p> <p><a href="http://amzn.to/2rARAlq" target="_blank"><em>Currently $12.90 on Amazon</em></a></p> <h3>Sleep Master Sleep Mask</h3> <p><a href="http://amzn.to/2sR23xa" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/sleep%20master.jpg" width="245" height="205" align="right" alt="" /></a>The <a href="http://amzn.to/2sR23xa" target="_blank">Sleep Master Sleep Mask</a> is ideal for anyone who needs to completely block out the light and sound around them. This can virtually shut off the world while you sleep. The fully adjustable, lightweight, soft, breathable cool satin sleep mask comfortably surrounds your head and covers your ears to quickly create a relaxing effect. By simultaneously blocking light and muffling sound, it can help induce a deep, refreshing sleep. While the padded ear area already reduces sound, you can also wear ear plugs underneath for total sound elimination. It is wide enough to comfortably fit your head and connects in the back with Velcro strips. It is hypoallergenic, latex-free, hand-washable, and also works well with a CPAP facial mask. Sleep Master claims that it&rsquo;s also more hygienic and longer-lasting than other masks on the market.</p> <p>The mask comes with a set of earplugs, which reviewers seem to love. Reviewers did notice that the mask can stain pillowcases if you don&rsquo;t wash it before use. It is an Amazon best-seller and has outstanding online reviews.</p> <p><a href="http://amzn.to/2sR23xa" target="_blank"><em>Currently $25.90 on Amazon</em></a></p> <h3>Nidra Deep Rest Eye Mask</h3> <p><a href="http://amzn.to/2tr68p8" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/sleep%20mask.jpg" width="245" height="112" align="right" alt="" /></a>The <a href="http://amzn.to/2tr68p8" target="_blank">Nidra Deep Rest Eye Mask</a> is perfect for anyone who doesn&rsquo;t like pressure applied to their eyes. The comfortable, lightweight patented mask completely blocks out light and visual stimuli without pressing on your eyes, so you can open your eyes under the mask and still relax in darkness. This enables REM sleep and won&rsquo;t smudge makeup. The contoured mask is specially designed with advanced ergonomics and deeply molded cups that curve away from the eyes for optimal comfort.</p> <p>This is an Amazon best-seller and has over 2,000 five-star reviews on Amazon. It is also backed by a 30-day hassle-free money-back guarantee.</p> <p><a href="http://amzn.to/2tr68p8" target="_blank"><em>Currently $7.98 on Amazon</em></a></p> <h3>iluminage Skin Rejuvenating Eye Mask</h3> <p><a href="http://amzn.to/2syISFH" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iluminage.jpg" width="245" height="138" align="right" alt="" /></a>The <a href="http://amzn.to/2syISFH" target="_blank">iluminage Skin Rejuvenating Eye Mask</a> may be a bit pricier than the other options on the list, but it offers long-term benefits that make it worth the higher price tag. The eye mask is clinically proven to reduce the signs of aging (like fine lines and wrinkles) thanks to copper oxide embedded fibers and intelligent textiles. The patented copper technology can aid the skin&rsquo;s natural renewal process by promoting the natural growth of proteins. The copper ions are absorbed into the skin on contact, improving skin&rsquo;s appearance and texture. It can produce smoother, younger-looking skin in as little as four weeks, with a continuing effect over time.</p> <p>The soft, nonirritating, rejuvenating mask has a cushioned texture, adjustable Velcro strap, and blackout capabilities. It can be worn nightly and the anti-aging technology is proven to last through more than 100 washes. Some reviewers also found that the mask can decrease eye puffiness with continued use. This is frequently recommended online by sites like Travel + Leisure.</p> <p><a href="http://amzn.to/2syISFH" target="_blank"><em>Currently $35.00 on Amazon</em></a></p> <p>And those are our recommendations for the best eye masks. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar" target="_blank">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-eye-masks">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-white-noise-machines">The 5 Best White Noise Machines</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-beach-tents">The 5 Best Beach Tents</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-luxury-pens">The 5 Best Luxury Pens</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-folding-bicycles">The 5 Best Folding Bicycles</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-smart-alarm-clocks">The 5 Best Smart Alarm Clocks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Shopping 5 best accessories eye masks product reviews shopping sleep mask sleeping Wed, 21 Jun 2017 08:00:19 +0000 Andrea Cannon 1969826 at http://www.wisebread.com 6 Ways It Pays to Stay Single http://www.wisebread.com/6-ways-it-pays-to-stay-single <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-ways-it-pays-to-stay-single" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/she_is_a_sophisticated_woman.jpg" alt="She is a sophisticated woman" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Being one half of a couple has its financial benefits. Combined incomes can offer a stronger financial outlook and create more disposable income, allowing some couples to buy homes, upgrade to bigger places, build emergency funds, and travel, among other luxuries. Likewise, married couples filing joint tax returns might receive additional tax savings compared to single filers, helping them get ahead faster.</p> <p>But couples aren't the only ones enjoying economic advantages. Singleness has its rewards, too &mdash; like eating all the cookies without judgment, and many other perks that'll make you appreciate your independence. Take a look.</p> <h2>1. Work without distractions</h2> <p>No one is suggesting you become a workaholic and sacrifice relaxation or fun for the almighty dollar, but being in a relationship consumes a good portion of your time and energy, which can limit the amount of time you're able to work.</p> <p>When you're a single person with nothing holding you back, there's more time to focus on your career. And there's the opportunity to work longer hours with your employer or freelance on the side for extra money. Your extra cash can go toward achieving financial goals such as paying off debt or building a sizable savings account. Being single also gives you the opportunity to pick up and move if you're offered a better job somewhere else. You don't have to confer with a partner or worry how the move will affect their life.</p> <h2>2. Freedom to buy what you want</h2> <p>You work, so technically you can do whatever you want with your money. But when you're one half of a twosome, consulting with your partner about purchases (especially larger ones) can deter arguments and keep you on the same page financially. If you have financial goals as a couple, your partner could discourage or veto your plans for buying an item.</p> <p>Being honest and having discussions about finances (and decisions regarding other matters) keeps the relationship strong, but relinquishing some of your freedom might be frustrating, too. As a single person, you don't have to consult anyone before spending or making decisions. If you want something and can afford it, buy it.</p> <h2>3. No stress over a partner's credit situation</h2> <p>If you're in a relationship and purchasing a house or car together, lenders often pull both of your credit scores and use the lowest of your two scores when determining the interest rate. So if you have great credit and your partner doesn't, you could end up paying more for financing.</p> <p>Single people don't have to worry or stress over another person's credit history. As long as you're paying your bills on time and maintaining low, manageable debt, you're likely a good candidate for affordable financing. (See also: <a href="http://www.wisebread.com/4-surprising-things-lenders-check-besides-your-credit-score?ref=seealso" target="_blank">4 Surprising Things Lenders Check Besides Your Credit Score</a>)</p> <h2>4. Money arguments? What money arguments?</h2> <p>Another bonus of living the single life is not having money fights with another person. Some people get into relationships with people who aren't their money match, meaning they have different mindsets with regard to budgeting, spending, and saving. One person might be a saver while the other person is a big spender, or vice versa. These differences can cause problems and lead to arguments.</p> <h2>5. Easier meal planning</h2> <p>Planning meals for two or more people is not only challenging, it's costly. You have to purchase more food and cook more often. Being single makes it easier to plan meals. Since you know how much you consume each day, you have a better idea of how much food to purchase. If you prepare a meal for you and a partner, the food may last only one night. But if you prepare the exact same meal for yourself, you could potentially have leftovers for the next one or two days, thereby by reducing your food bill over the long term and helping you to avoid eating out. (See also: <a href="http://www.wisebread.com/how-to-shop-for-food-once-a-month-and-save-big?ref=seealso" target="_blank">How to Shop for Food Once a Month and Save Big</a>)</p> <h2>6. Cheaper housing costs</h2> <p>Two people living together need more space than a single person. This often requires a bigger home, and a higher monthly payment, despite sharing expenses.</p> <p>If you're a single person committed to living cheaply, you have more options than a couple. Since it's just you, there's the flexibility of renting a room in a house with a bunch of roommates and splitting expenses two, three, or four ways (did that in my 20s; loved it!), or rooming with your folks a little longer to save money (did that in my 20s, too; didn't love it so much).</p> <p>Couples don't always have these options, which means they end up spending more on housing and having less disposable income. Get away with living cheaply while you can. It may not always be this way.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/6-ways-it-pays-to-stay-single">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-terrible-money-moves-to-avoid-on-the-first-date">6 Terrible Money Moves to Avoid on the First Date</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/if-youre-doing-this-on-your-first-date-youre-not-getting-a-second">If You&#039;re Doing This on Your First Date, You&#039;re Not Getting a Second</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-much-should-you-actually-be-spending-on-a-date">How Much Should You Actually Be Spending on a Date?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/mend-a-broken-heart-without-breaking-the-bank">Mend a Broken Heart Without Breaking the Bank</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-lust-is-keeping-you-poor">6 Ways Lust Is Keeping You Poor</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle breakup Dating relationships romance saving money single single life taken Fri, 16 Jun 2017 09:00:11 +0000 Mikey Rox 1965740 at http://www.wisebread.com The 5 Best Beach Tents http://www.wisebread.com/the-5-best-beach-tents <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-beach-tents" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/baby_beach_tent_506060664.jpg" alt="Mother and baby in best beach tent" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you enjoy a day at the beach, but want some form of protection from harmful UV rays, then a beach tent is just what you need. It can help prevent overexposure to the sun, keep you cool and comfortable on hot summer days, and provide you with a relaxing shelter at outdoor events. It can add a touch of luxury and a lot of comfort to your beach day.</p> <h2>What is a beach tent?</h2> <p>A beach tent is a piece of outdoor gear that can shelter you from the sun, sand, water, and wind of the beach. It can also provide a comfortable place to relax and a safe place to store all of your belongings. It is ideal for use at any beach, park, campground, sporting event, or even your own backyard.</p> <h2>Top 5 beach tents</h2> <h3>Pacific Breeze EasyUp Beach Tent</h3> <p><a href="http://amzn.to/2riuujp" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/pacific.jpg" width="245" height="192" align="right" alt="" /></a>The ultra lightweight, spacious <a href="http://amzn.to/2riuujp" target="_blank">Pacific Breeze EasyUp Beach Tent</a> has UPF 50+ sun protection. The compact beach tent is made from breathable polyester and is water-repellent. It is very easy to set up and pack up in the carrying case thanks to a specially designed EasyUp Hub System. The durable tent includes internal sand pockets, large windows for ventilation, and stakes. It is recommended by New York Magazine and has exceptional online reviews, including more than 1,000 five-star reviews on Amazon. It is also backed by a one-year limited warranty. The <a href="http://amzn.to/2t36CBA" target="_blank">Pacific Breeze EasyUp Beach Tent Deluxe XL</a> is another highly recommended option.</p> <p><a href="http://amzn.to/2riuujp" target="_blank"><em>Currently $69.99 on Amazon</em></a></p> <h3>Coleman Road Trip Beach Shade</h3> <p><a href="http://amzn.to/2rhVKP3" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/coleman_1.jpg" width="245" height="245" align="right" alt="" /></a>The spacious <a href="http://amzn.to/2rhVKP3" target="_blank">Coleman Road Trip Beach Shade</a> can stand up to extreme winds. It offers low-angle sun protection and SPF 50+ UV guard protection. It features polyguard double thick fabric for added durability. It has a floor mat, protecting you from the sand, and a closable front with two zippered doors, so it can be used as a changing room. The Comfort Grip allows it to be setup in about three minutes. It packs up really small, so you can easily transport it around in the carry bag. It also includes four hanging pockets inside, a dry line, sandbags, and extra-long stakes. This is available in four different colors. It has exceptional online reviews, including hundreds of five-star reviews on Amazon. It comes from the trusted Coleman brand and is backed by a one-year limited warranty.</p> <p><a href="http://amzn.to/2rhVKP3" target="_blank"><em>Currently $39.70 on Amazon</em></a></p> <h3>Lightspeed Outdoors Quick Cabana Beach Tent Sun Shelter</h3> <p><a href="http://amzn.to/2ri2exj" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/lightspeed.jpg" width="245" height="244" align="right" alt="" /></a>The spacious, yet compact, <a href="http://amzn.to/2ri2exj" target="_blank">Lightspeed Outdoors Quick Cabana Beach Tent Sun Shelter</a> is large enough for two adults and two kids with room for chairs and plenty of gear. It offers UPF 50+ sun protection and can stand up to high winds. It features interior pockets and three roll-up windows for extra ventilation and privacy. The lightweight cabana-style pop up beach shelter has quick, easy setup and takedown with a compression hub-system and integrated poles. It includes a carrying case, shoulder strap, sand pockets, stakes, and guylines. It comes in two different colors. It has exceptional online reviews, including hundreds of five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2ri2exj" target="_blank"><em>Currently $64.99 on Amazon</em></a></p> <h3>Texsport Calypso Quick Cabana Beach Sun Shelter Canopy</h3> <p><a href="http://amzn.to/2stxUnE" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/texsport.jpg" width="243" height="245" align="right" alt="" /></a>The sturdy, lightweight <a href="http://amzn.to/2stxUnE" target="_blank">Texsport Calypso Quick Cabana Beach Sun Shelter Canopy</a> has UPF 50+ UV protection. It is easy to set up and take down thanks to a three-pole pin and ring frame system with shock-corded fiberglass poles and four weighted sandbags. It features a durable ripstop polyurethane floor and three &quot;no-see-um&quot; mesh windows with interior zippered storm flaps for increased ventilation. It also includes stakes and a carry bag. The three-sided cabana allows you to sit completely inside for full-body protection or lie partially covered to protect just your face. It has exceptional reviews and is frequently recommended online.</p> <p><a href="http://amzn.to/2stxUnE" target="_blank"><em>Currently $33.99 on Amazon</em></a></p> <h3>Genji Sports Pop Up Family Beach Tent</h3> <p><a href="http://amzn.to/2sbwLhh" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/genji.jpg" width="245" height="184" align="right" alt="" /></a>The ultra lightweight, compact <a href="http://amzn.to/2sbwLhh" target="_blank">Genji Sports Pop Up Family Beach Tent and Beach Sunshelter</a> comfortably fits two adults or one adult and several children. It automatically pops open in one second and then coils back down flat into a circle in three seconds for easy transport. The durable tent has a strong steel beam frame and UPF 50+ coating for sun protection. The special designed waterproof cover has a floor, zippered back and front panels, two ventilation windows with roll-up covers, and four ground stakes. There are also sandbags on both side panels. It has outstanding online reviews and is frequently recommended online. The <a href="http://amzn.to/2tnbAsc" target="_blank">Genji Sports Instant Push Up Beach Tent Sun Shelter</a> is another highly recommended option.</p> <p><a href="http://amzn.to/2sbwLhh" target="_blank"><em>Currently $40.52 on Amazon</em></a></p> <p>And those are our recommendations for the best beach tents. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar" target="_blank">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-beach-tents">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-luxury-pens">The 5 Best Luxury Pens</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-white-noise-machines">The 5 Best White Noise Machines</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-eye-masks">The 5 Best Eye Masks</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-camping-sleeping-pads">The 5 Best Camping Sleeping Pads</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-folding-bicycles">The 5 Best Folding Bicycles</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Shopping 5 best beach day beach tents camping product reviews shopping tents Thu, 15 Jun 2017 08:00:11 +0000 Andrea Cannon 1966192 at http://www.wisebread.com Micro-Prepping: How to Prepare for Small Disasters http://www.wisebread.com/micro-prepping-how-to-prepare-for-small-disasters <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/micro-prepping-how-to-prepare-for-small-disasters" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/first_aid_kit.jpg" alt="First Aid Kit" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you are unprepared, even a small disaster can turn into a major setback, costing you a lot of time, money, and lost productivity. Everything from a power outage, a house fire, car accident, water shortage, or a sudden evacuation due to flooding can leave you feeling panicked and lost without the right planning and resources.</p> <p>Micro-prepping is essentially making small moves now to get you and your family set in the event of a small disaster. And being prepared for small disasters gets you on the path to better handle larger disasters such as a tornado, hurricane, flooding, an earthquake, or terrorism. Here are some steps you can take to get started.</p> <h2>1. Establish a rendezvous point</h2> <p>A simple micro-prep is to develop a family plan for where to meet in case something happens during the day and you can't return to your home. In such an event, communications systems may be overloaded or otherwise unavailable, so you may not be able to call or text family members to work out a plan on the fly. This is why it is so much better to have a plan for where to meet worked out in advance.</p> <p>Pick a nearby meeting point in case of an isolated incident such as a fire or gas leak at your house, and pick another meeting place outside the immediate area in case of a more widespread issue.</p> <h2>2. Stash some cash</h2> <p>I was once greeted by signs taped to the entrance of the grocery store that read &quot;cash only&quot; when their credit card network was down due to flooding. Most people went away from the store without food, but fortunately I had cash with me. I keep a small supply of cash hidden in my car in case I find myself in need of fuel or a small repair and for some reason credit cards aren't working. Keep enough cash hidden at home to ride out at least a few days of expenses in case disaster strikes.</p> <h2>3. Create a first aid kit</h2> <p>Be prepared to treat minor injuries by having a fully stocked first aid kit on hand. Quick treatment can reduce the severity of an injury, and you may even be able to avoid a trip to the doctor's office or emergency room if you can handle some scrapes and minor injuries yourself. (See also: <a href="http://www.wisebread.com/the-5-best-emergency-kits?ref=seealso" target="_blank">The 5 Best Emergency Kits</a>)</p> <h2>4. Stock your medications</h2> <p>If you are taking prescription medication, try to time your refills so you have at least a couple weeks of medication on hand. This buffer makes it much less likely that your supply of medicine will be interrupted in case of disaster or if you need to travel suddenly.</p> <h2>5. Have a list of phone numbers on you</h2> <p>If you lose your phone, or it stops working, you may find yourself without access to contact information for most people. I keep a small list of key phone numbers and email addresses in my wallet printed on a piece of paper the size of a business card.</p> <h2>6. Water</h2> <p>Real &quot;preppers&quot; keep a supply of water on hand for full-scale disasters, typically about a gallon of water per day per person to ride out a disaster when water is not available. But even if you don't keep a supply of water, there are some <a href="https://www.fema.gov/pdf/areyouready/areyouready_full.pdf" target="_blank">emergency sources of drinking water</a> you can tap if you didn't stock up before the disaster:</p> <ul> <li> <p>Melted ice cubes</p> </li> <li> <p>Water drained from the water heater (if the water heater has not been damaged)</p> </li> <li> <p>Liquids from canned goods, such as fruit or vegetable juices</p> </li> <li> <p>Water drained from pipes</p> </li> </ul> <h2>7. Use your flashlight</h2> <p>Stumbling around in the dark is the worst time to be looking for a flashlight! I keep a flashlight next to my bed for those power outages that happen every year during thunderstorm season. You may be able to use a flashlight app on your cellphone to find your way around in the dark as well.</p> <h2>8. Save your radio</h2> <p>If the power is out, you will want to know what is going on, but you may not have access to TV or even the internet if your router is down. This is when you will want a battery-powered radio. I have an emergency radio that has a crank on the side so it can run even without batteries. Consider getting a <a href="http://amzn.to/2r3XEm7" target="_blank">NOAA weather radio</a> that provides storm warnings and information about severe weather and other emergencies.</p> <h2>9. Stock up on batteries</h2> <p>You will want a supply of batteries on hand for your flashlights and radio. If your cellphone is running out of battery during a power outage, you can use your car charger to charge it up. (See also: <a href="http://www.wisebread.com/the-5-best-power-banks?ref=seealso" target="_blank">The 5 Best Power Banks</a>)</p> <h2>10. Save those candles (and Crayons)</h2> <p>Candles are a handy way to provide long-lasting light during a power outage, and you can save your batteries. If you don't have enough candles, you can use crayons as a substitute to provide emergency light. Stand a crayon up on a plate and light the top.</p> <h2>11. Keep canned food on hand</h2> <p>The food in your refrigerator can start to <a href="http://www.redcross.org/get-help/prepare-for-emergencies/types-of-emergencies/power-outage" target="_blank">spoil within two hours</a> of a power outage. Keep some canned goods and nonperishable food items on hand. Don't forget to get a manual can opener so you can open your canned food when the power is out. (See also: <a href="http://www.wisebread.com/10-foods-you-need-in-your-emergency-pantry?ref=seealso" target="_blank">10 Foods You Need in Your &quot;Emergency&quot; Pantry</a>)</p> <h2>12. Be mindful of fuel usage</h2> <p>In the event of an emergency, you may not be able to get gas for your car. As a habit, keep at least a quarter tank of gas in your car all the time, and keep a five-gallon can of gas in your garage as a reserve supply in case you need to leave town and all of the gas stations have big lines or are closed.</p> <h2>13. Hand sanitizer</h2> <p>If the water supply is interrupted, you can use moist towelettes, or <a href="http://amzn.to/2snaik0" target="_blank">hand sanitizer</a> and paper towels to keep clean until water service is restored. Wash hands before food prep and eating, and keep cuts and abrasions clean at all times.</p> <h2>14. Store important papers and documents</h2> <p>Keep a list of your credit cards and &quot;lost card&quot; contact numbers somewhere safe in case you need to report a card missing, for example if your purse or wallet is stolen. In case you need to evacuate your home, have your important papers and documents organized so you can quickly grab them to take away with you. Even better, keep them hidden in a portable fire-resistant container.</p> <h2>15. Add a backup heat source</h2> <p>In case your furnace goes out or there is an interruption to the natural gas supply in your area, have a plan for backup heating. I have used a portable kerosene heater for this purpose, and now I have a wood-burning fireplace. A backup heat source can also provide light, and can be a backup for cooking in case your oven is not available. Make sure your backup heat source does not produce dangerous levels of carbon monoxide &mdash; don't use a gas grill or gas-powered generator indoors!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dr-penny-pincher">Dr Penny Pincher</a> of <a href="http://www.wisebread.com/micro-prepping-how-to-prepare-for-small-disasters">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-beach-tents">The 5 Best Beach Tents</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-resistance-bands">The 5 Best Resistance Bands</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/chinese-money-habits-how-my-culture-influences-my-attitudes-toward-money">Chinese Money Habits - How My Culture Influences My Attitudes Toward Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/16-everyday-things-you-shouldnt-be-paying-for">16 Everyday Things You Shouldn&#039;t Be Paying For</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-thoughtful-and-frugal-personalized-gift-ideas">25 Thoughtful and Frugal Personalized Gift Ideas</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Shopping disaster kit disaster prepping first aid kit go bag micro-prepping natural disaster power outage small disaster Wed, 14 Jun 2017 08:31:17 +0000 Dr Penny Pincher 1965089 at http://www.wisebread.com 6 Terrible Money Moves to Avoid on the First Date http://www.wisebread.com/6-terrible-money-moves-to-avoid-on-the-first-date <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-terrible-money-moves-to-avoid-on-the-first-date" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_rejecting_a_geek_boy_in_a_blind_date.jpg" alt="Woman rejecting a geek boy in a blind date" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Dating is tough, and first dates can be particularly awkward if you don't know anything about the other person. What you say and do can determine whether there's a second date, so it's important to present your best self. You shouldn't expect perfection, so don't stress too much about stumbling over your words or moments of silence. Chances are, these won't make or break the night. But you might shoot yourself in the foot if you make a few terrible money moves.</p> <p>Want to improve the odds of seeing this person again? Here are six money moves to avoid on the first date. (See also: <a href="http://www.wisebread.com/8-ways-to-save-on-a-first-date-without-looking-cheap?ref=seealso" target="_blank">8 Ways to Save on a First Date Without Looking Cheap</a>)</p> <h2>1. Announcing that you're splitting the check</h2> <p>If I've said it once, I've said it a million times: There's nothing wrong with going Dutch on a first date &mdash; just don't be a jerk about it. If you initiated the date, pick up the tab. Conversely, if the other person initiated the date, you can expect that they'll pick up the tab, but don't assume that's the case. Offer to pay half, and make your decision on whether you want to have a second date based on their willingness to accept your offer, or if they cover all of it.</p> <p>If the date was a mutual decision, make a good impression by offering to pay. If your date insists on paying half, there's nothing wrong with that, and nobody should get their feelings hurt about it. But don't force the issue or make your date feel uncomfortable. In fact, don't mention splitting the bill at all until they offer. It's just bad form. (See also: <a href="http://www.wisebread.com/who-should-pay-for-the-first-date?ref=seealso" target="_blank">Who Should Pay for the First Date?</a>)</p> <h2>2. Taking advantage of your date's generosity</h2> <p>If your date picks up the tab for the night, go easy on his or her pocket. There might be wiggle room in the budget for dinner, drinks, and maybe dessert, but this doesn't give you the green light to order the most expensive item on the menu or suggest costly activities that leave your date broke. Not to say you should only order a cheap salad and water, but be reasonable.</p> <h2>3. Overspending to impress your date</h2> <p>In an effort to impress your date, it's easy to go a little overboard to create a memorable night. You should have fun, but not at the expense of your bank account. Check your finances and determine how much you're able to spend for the night, and then recommend a restaurant or activities within your budget.</p> <p>You don't have to break the bank to impress the other person. If that&rsquo;s what it takes to guarantee a second date, this isn't the person for you. (See also: <a href="http://www.wisebread.com/how-much-should-you-actually-be-spending-on-a-date?ref=seealso" target="_blank">How Much Should You Actually Be Spending on a Date?</a>)</p> <h2>4. Asking personal financial questions</h2> <p>If you have a firm grip on your personal finances, you will likely seek a partner with a similar financial mindset. It's important to have financial discussions with a significant other to avoid surprises down the road. But the first date isn't the time or the place to get into all that nitty-gritty. If anything, your date might consider personal financial questions intrusive, which sets a negative tone for the night.</p> <p>Likewise, if you pry or inquire about your date's income, this person might assume you have an ulterior motive. And if you ask about their debt or credit score, they might feel you're getting too close to soon, which can scare them away.</p> <p>Give it some time. Wait until you have mutual feelings for each other. Only then should you sit down and have an honest discussion about your financial lives so you can make the best decisions for yourselves moving forward.</p> <h2>5. Bragging about your salary</h2> <p>Not only should you avoid asking your date personal questions about their financial life, avoid sharing too much information about your financial life too soon. Maybe you're proud of your job, your accomplishments, and your strong financial background. Or maybe you feel dropping salary information will amaze the other person and keep them around. But bragging can be a turn off.</p> <p>If you spend the majority of the night patting yourself on the back and revealing how much you earn and/or spend, your date could conclude that your ego is too big and run for the hills, or only stick around because of what you bring financially to the table.</p> <p>It is common and acceptable to ask about occupations on a first date, but don't get into detail about salaries.</p> <h2>6. Airing your dirty laundry</h2> <p>Bringing up negative aspects of your financial life on a first date can be just as disastrous as bragging. Remember, the idea is to make a great impression, not come off as a liability. If you mention your poor credit history, excessive credit card debt, or poor financial outlook, yet your date has a tight handle on their finances, this person could make assumptions before getting to know you and presume you're irresponsible.</p> <p>You shouldn't hide these issues, but you should get to know each other before airing your dirty laundry.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/6-terrible-money-moves-to-avoid-on-the-first-date">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-ways-millennials-are-changing-marriage">4 Ways Millennials Are Changing Marriage</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-it-pays-to-stay-single">6 Ways It Pays to Stay Single</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-lust-is-keeping-you-poor">6 Ways Lust Is Keeping You Poor</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/18-ways-being-too-nice-is-hurting-your-wallet">18 Ways Being Too Nice Is Hurting Your Wallet</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/this-is-how-americans-spent-their-money-in-the-1950s">This Is How Americans Spent Their Money in the 1950s</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Lifestyle Dating etiquette first date money conversations money moves relationships Spending Money Tue, 13 Jun 2017 09:00:08 +0000 Mikey Rox 1964080 at http://www.wisebread.com The 5 Best White Noise Machines http://www.wisebread.com/the-5-best-white-noise-machines <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-white-noise-machines" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_sleeping_peaceful_155373258.jpg" alt="Woman using best white noise machines to sleep" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>A white noise machine can drown out the noise from snoring partners, noisy neighbors, construction, traffic, or anything else that may be disturbing your sleep or concentration. It can create a relaxing environment anywhere, so it&rsquo;s ideal for use in the home, office, or even in a hotel room. By bringing these soothing sounds of home with you when you travel, you can create a familiar sleeping environment for yourself.</p> <p>White noise is a special type of sound signal which is used to mask background sounds. It is made up of gentle sound waves spanning a wide range of frequencies. Research has shown that the steady, monotonous stream of peaceful sound can help calm the mind, so you can more easily relax and fall asleep. Doctors and sleep experts also agree that it&rsquo;s ideal for newborns and babies because white noise can be more soothing than a lullaby.</p> <h2>What is a white noise machine?</h2> <p>A white noise machine is a small device that can block unpleasant noises that keep you awake or disturb your concentration during the day. It can serve as an all-natural sleep aid that creates a soothing sound to drown out unpleasant noises that are keeping you up at night so you can fall asleep and stay asleep. Along with helping you enjoy a better night&rsquo;s sleep, it can also help drown out a noisy office during the day and even help boost productivity and creativity. (See also: <a href="http://www.wisebread.com/why-a-50-year-old-gadget-may-be-the-best-cure-for-insomnia?ref=seealso" target="_blank">Why a 50-Year-Old Gadget May Be the Best Cure for Insomnia</a>)</p> <h2>Top 5 white noise machines</h2> <h3>Marpac Dohm-DS All-Natural White Noise Sound Machine</h3> <p><a href="http://amzn.to/2r6GByQ" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/marpac.jpg" width="245" height="225" align="right" alt="" /></a>The effective <a href="http://amzn.to/2r6GByQ" target="_blank">Marpac Dohm-DS All-Natural White Noise Sound Machine</a> features a compact design, two speeds, and adjustable volume and tone control. It has layered, complex, customizable, and very natural fan sounds that melt into the background. It generates white noise mechanically with a built-in fan and adjustable air vents, so you won&rsquo;t have to worry about a looping audio track to distract you. It works for most sleepers and is soothing enough for babies because the constant, natural, unobtrusive sound masks annoying noises.</p> <p>This is available in three colors. It is the Official Sound Conditioner of the National Sleep Foundation. Health Magazine recommends this as the best option for natural noise. It is also recommended by Digital Trends and The Sweethome. It is backed by outstanding online reviews, including over 5,000 five-star reviews on Amazon. The <a href="http://amzn.to/2sgM22N" target="_blank">Marpac Rohm Portable White Noise Sound Machine</a> is another widely recommended option from the trusted brand.</p> <p><a href="http://amzn.to/2r6GByQ" target="_blank"><em>Currently $49.95 on Amazon</em></a></p> <h3>LectroFan Jr. White Noise Sound Machine</h3> <p><a href="http://amzn.to/2rWBkOp" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/lectrofan%20jr.jpg" width="245" height="190" align="right" alt="" /></a>The <a href="http://amzn.to/2rWBkOp" target="_blank">LectroFan Jr. White Noise Sound Machine</a> features six non-repeating fan sounds and six non-repeating white noises, along with 18 nursery rhymes, making it ideal for toddlers and babies. An algorithm generates each unique sound, so there are no recordings or looping audio to distract you. The portable, lightweight, compact machine has multilevel pitch and volume control. It has a 60-minute sleep incremental timer and can also be run continuously to help you stay asleep. It also has a USB power supply for easy traveling.</p> <p>This is available in various colors. Health Magazine calls this the best for dynamic sound. It is also recommended by Refinery29 and The Sweethome.</p> <p><a href="http://amzn.to/2rWBkOp" target="_blank"><em>Currently $35.96 on Amazon</em></a></p> <h3>HoMedics Sound Spa Relaxation Machine</h3> <p><a href="http://amzn.to/2r7c4Rz" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/homedics.jpg" width="245" height="138" align="right" alt="" /></a>Amazon&rsquo;s #1 best-seller in sound therapy products, the <a href="http://amzn.to/2r7c4Rz" target="_blank">HoMedics Sound Spa Relaxation Machine</a> features adjustable volume and a 15, 30, and 60-minute auto-off timer to conserve energy. It offers six soothing nature sounds, including White Noise, Thunder, Ocean, Rain, Summer Night, and Brook. The sounds are designed to mimic the natural environment to provide a relaxing experience. The lightweight, compact machine can be plugged into a wall outlet or used with batteries.</p> <p>Health Magazine recommends this as the best for portability. It is also recommended by Digital Trends and has outstanding online reviews, including thousands of five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2r7c4Rz" target="_blank"><em>Currently $19.99 on Amazon</em></a></p> <h3>Sleep Easy Sound Conditioner White Noise Machine</h3> <p><a href="http://amzn.to/2r313pi" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/sleepeasy.jpg" width="243" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2r313pi" target="_blank">Sleep Easy Sound Conditioner White Noise Machine</a> is an &ldquo;As Seen On TV&rdquo; product that actually holds up to its claims. It creates soothing natural white noise sounds that recreate the sound of moving air to block disturbing background noises. It is commonly used in hospital rooms and nurseries because it can run continuously. The compact design has a nonslip base and a fully adjustable tone and volume. It can be plugged into an electrical outlet or used with batteries.</p> <p>This is a commonly recommended item with outstanding reviews, including more than 2,000 five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2r313pi" target="_blank"><em>Currently $28.99 on Amazon</em></a></p> <h3>Conair Sound Therapy Sound Machine</h3> <p><a href="http://amzn.to/2rWEXUu" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/conair_4.jpg" width="232" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2rWEXUu" target="_blank">Conair Sound Therapy Sound Machine</a> features a 60-minute auto-off timer and easy volume control. The 10 soothing sound choices include Tropical Forest, Birdsong, Running Stream, Heartbeat, Summer Night, White Noise, Thunderstorm, Rainfall, Ocean Waves, and Waterfall. It is easy-to-use and can be run with the DC adapter or with batteries.</p> <p>Health Magazine recommends this as the most bang for your buck. It is also backed by outstanding online reviews, including thousands of five-star reviews on Amazon.</p> <p><a href="http://amzn.to/2rWEXUu" target="_blank"><em>Currently $21.42 on Amazon</em></a></p> <p>And those are our recommendations for the best white noise machines. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-white-noise-machines">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-beach-tents">The 5 Best Beach Tents</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-luxury-pens">The 5 Best Luxury Pens</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-folding-bicycles">The 5 Best Folding Bicycles</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-smart-alarm-clocks">The 5 Best Smart Alarm Clocks</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-anti-itch-creams">The 5 Best Anti-Itch Creams</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Shopping 5 best product reviews shopping sleeping sleeping habits white noise white noise machine Thu, 08 Jun 2017 08:00:17 +0000 Andrea Cannon 1962376 at http://www.wisebread.com 5 Bedtime Routines of Famous Financial Gurus http://www.wisebread.com/5-bedtime-routines-of-famous-financial-gurus <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-bedtime-routines-of-famous-financial-gurus" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/beautiful_young_woman_at_home.jpg" alt="Beautiful young woman at home reading book" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Whether you're Joe Schmo or Bill Gates, there are just 24 hours in a day. Of course, not everybody spends them in the same way. Let's face it: Some people are better at managing time than others. And in a world where time equals money, it's often those with the best time management skills who are raking in the dough.</p> <p>It's not just how we spend our waking hours that counts &mdash; our habits pertaining to slumber also affect our income, stamina, success, and productivity.</p> <p>Read on for our roundup of evening rituals of these famously successful people. Because who wouldn't want to sleep like the fabulously wealthy?</p> <h2>1. Read a book</h2> <p>Bill Gates, who reads around 50 books per year, reserves the last waking hour of his day for reading. Yes, even on the stressful, exhausting days, Gates always makes time before bed for a good book.</p> <p>If you're wondering why someone like Gates has made this a priority, wonder no more: Not only does reading fuel creativity, it also helps a person de-stress while introducing new perspectives and expanding their knowledge. Hard up for something fresh to read? Here's <a href="http://time.com/4686426/bill-gates-book-recommendations/" target="_blank">every book recommendation</a> that Gates, the richest man in the world, has ever shared publicly.</p> <h2>2. Unplug the phone</h2> <p>On the brink of slumber, Facebook COO Sheryl Sandberg checks her email one last time. Then she turns off her cellphone, signaling an end to the day. Unplugging this way can be &quot;painful,&quot; Sandberg has admitted, but she conceded that she has found it to be the key to a good night's sleep. If the phone is on, she's said she is much more likely to be disturbed during the night.</p> <p>This is a smart habit to take up for yourself. Not only can waking up to check your phone in the middle of the night reduce the quality of your sleep, it can also cause anxiety, according to researchers at California State University.</p> <h2>3. Track your sleep</h2> <p>In complete contradiction to Sandberg's routine, business magnate Elon Musk uses his cellphone to track his sleep. His nightly sleep count averages about six hours, he admitted in a 2015 Reddit AMA. In preparation for this shut-eye, Musk, an avid consumer of coffee and Diet Coke, cuts himself off from caffeine six hours before bedtime.</p> <p>There are a number of smartphone apps that can help you track and understand your sleep cycles. Experts recommend seven to eight hours for most adults, though the true number is individualistic and likely depends on genetics. Getting enough sleep is critical to a satisfying social life and a high performance career. Here are a few top-rated sleep app options: <a href="https://mysleepbot.com/" target="_blank">Sleepbot</a>, <a href="https://www.sleepcycle.com/" target="_blank">Sleep Cycle</a>, and <a href="http://24-7.motionx.com/" target="_blank">MotionX 24/7</a>.</p> <h2>4. Treat yourself to quiet time</h2> <p>Oprah Winfrey designates 20 minutes at the end of her day for <a href="http://www.oprah.com/health/Oprah-on-Stillness-and-Meditation-Oprah-Visits-Fairfield-Iowa#ixzz2XoJNWPAR" target="_blank">meditation and silent reflection</a>. By allowing herself a regularly scheduled window during which she can decompress, Winfrey says she has reaped more benefits than she ever imagined. &quot;The results have been awesome,&quot; she said. &quot;Better sleep. Improved relationships with spouses, children, coworkers &hellip; Greater productivity and creativity all around.&quot;</p> <p>We all know how to sit quietly, but meditation takes a little bit more know-how and guidance. That's where a meditation aid can be helpful. Try the smartphone apps <a href="https://www.sattva.life/apps" target="_blank">Sattva</a> or <a href="http://buddhify.com/" target="_blank">Buddhify</a>. You can also find guided meditations on YouTube.</p> <h2>5. Skip the wine &mdash; soak in the tub</h2> <p>Entrepreneur Arianna Huffington's nighttime routine is ceremonious, and it comes in two stages. The first is simple: Skip the nightcap. Booze before bed can certainly help a person fall asleep, but the quality of that sleep will suffer. Instead, Huffington, who says she endeavors to clock seven or eight hours of shut-eye each night, indulges in a candlelit bath with piping hot water and Epsom salts. Then, after she gets under the covers, she takes a moment to count her blessings.</p> <p>&quot;I pause to think about the things that I'm grateful for in that moment,&quot; she wrote for The Telegraph. &quot;That way my blessings, not my worries, get the closing scene of the night.&quot;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/5-bedtime-routines-of-famous-financial-gurus">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-wise-tips-famous-ceos-would-give-their-younger-selves">8 Wise Tips Famous CEOs Would Give Their Younger Selves</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-inspiring-quotes-about-money-from-successful-women">6 Inspiring Quotes About Money From Successful Women</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-money-lessons-we-could-all-learn-from-dwayne-the-rock-johnson">6 Money Lessons We Could All Learn From Dwayne &quot;The Rock&quot; Johnson</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-things-you-can-do-in-denver-that-you-cant-do-anywhere-else">8 Things You Can Do in Denver That You Can&#039;t Do Anywhere Else</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-reasons-average-people-should-consider-a-prenup">6 Reasons Average People Should Consider a Prenup</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Lifestyle bedtime business owners celebrities CEOs entrepreneurs famous habits routines sleep success Mon, 05 Jun 2017 08:00:09 +0000 Brittany Lyte 1955704 at http://www.wisebread.com How to Live a Retired Life Before Retirement http://www.wisebread.com/how-to-live-a-retired-life-before-retirement <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-live-a-retired-life-before-retirement" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/falling_in_love_is_so_much_fun.jpg" alt="Falling in love is so much fun" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Many of us dream about being able give up the day job and settle into a life of freedom, flexibility, and financial security in retirement. But unfortunately for many Americans, this dream is getting further and further out of reach. The reality is that the average age at which U.S. citizens are able to retire is on the increase.</p> <p>Being financially prepared is rightly a large concern, particularly because people tend to make big plans for when they do finally retire. It also means that some people put off following their dreams with hopes that they will be better able to afford them later in life.</p> <p>But if you're sensible with your savings and clever with your planning, it's possible to find a balance between securing a comfortable retirement and still living life to its fullest.</p> <h2>Take more time off</h2> <p>Taking vacation is something that shoots fear into the hearts of millions of people. Reasons for this vary from being worried about the amount of work that we'll face when returning to the job, to fears of losing our job altogether as a result of taking too much time off. It's a sad fact that the majority of Americans don't take their full vacation allowance each year, with 55 percent reporting leaving days unused, according to Project: Time Off.</p> <p>If you're among the large number of Americans who don't use their vacation days, then the first step to getting more holidays is simply to take them. Booking your vacations far in advance will allow your employer to plan effectively for the time that you're not there. It also gives you time to help ensure that whoever is covering you knows what they are doing and is properly prepared.</p> <p>If you're already using your allotted time off, consider asking for more. Requesting extra vacation is understandably daunting for many people, but as the old saying goes, if you don't ask, you don't get. It helps if you can provide justification for your extra holiday time, like a dream trip to Europe, and it's even better if you can demonstrate it will have a positive effect on your productivity. In fact, a study by the Harvard Business Review directly linked having more vacation days to an ability to get work done quicker.</p> <p>Another option that many don't even consider is to take unpaid time off. Though this may seem counterproductive, it's basically like buying extra vacation days. If you value your time off then it can work out to be very cost effective.</p> <p>Ask your employer about &quot;banking time,&quot; which basically allows you to work overtime shifts for regular pay (instead of the regular time-and-a-half), and then use those banked days to extend your holidays or take a few extra days off throughout the year when you need a break from the grind.</p> <h2>Focus on discounted, cheap, and free experiences</h2> <p>A great way to enjoy the quality of life that you crave without breaking the bank is to take advantage of discounted and cheap experiences. You might have a list of things that you want to do, see, or accomplish in your lifetime that you're putting off because you think it's too expensive. Instead, try looking out for when it's possible to do these things on the cheap.</p> <p>Always wanted to visit a certain country? Research when high season is and make a plan that allows you to go in low season instead. This will save you money on flights, accommodations, and many activities to do while you're there.</p> <p>Create a bucket list with a twist. Rather than containing activities that cost money, focus on experiences which cost little but provide you with a high sense of personal achievement. Physical activities are good for this, like hiking a certain mountain route or running a marathon, as well as things that will tax your brain like writing a book or learning an instrument.</p> <h2>Move somewhere cheaper</h2> <p>Lots of people envision moving away to a rural area or a tropical place when they retire, but why put it off until then? Moving to a cheaper city, state, or even country could allow you to live out your dreams, save more, and work less all at the same time. If you're not tied to your home by your job, then it doesn't necessarily even have to be a permanent move. You could spend half your time in the cheaper place having fun while still saving money.</p> <p>Numbeo ranks the U.S. as one of the most expensive places to live in the world. This means there's a lot of choice if you are looking for somewhere cheaper to settle down abroad. With 8.7 million Americans living overseas, you won't be alone. There are many <a href="http://www.wisebread.com/x-exciting-world-cities-you-can-afford-to-retire-in" target="_blank">attractive, cheap locations</a> that could be the perfect place to call your new home.</p> <p>If you don't know where to start, write a list of what's important to you in your everyday life and research which places can accommodate those aspects of your life. Lots of countries in South America, Asia, and Europe are <a href="http://www.wisebread.com/retire-for-half-the-cost-in-these-5-countries" target="_blank">significantly less expensive</a> than the U.S. but still offer a great standard of living.</p> <p>Moving to a new country isn't a decision to be taken lightly, and definitely not one that should be made based purely on cost. You need to be sure that the move is right for you and is one that will have a positive impact on your life. But there's no need to hold off until you're 65 to move to an amazing location.</p> <h2>Work from home</h2> <p>If your career is getting in the way of living the life you want right now, then perhaps it's time to start thinking about changing to something that will allow you to do this. The office environment is rapidly transforming, and working from home is no longer a rare and prized entitlement for the lucky few. If you don't have to spend time commuting or dressing for an office environment, you can free up time to do more of what you want to do.</p> <p>Lots of employers are becoming more flexible when it comes to this idea and there is a wide range of opportunities that are well suited for remote work. Advancements in technology have made remote working progressively easier, with a Gallup survey showing that 43 percent of employed Americans spend some portion of time working from home.</p> <p>Some industries that have embraced remote working include finance, insurance, and information technology, so it's a bonus if you already have a background in one of these fields. But even if you don't, the trend of working from home is growing, and may hit your industry soon.</p> <p>Don't confuse working from home with doing less. It's not a way to ease into the retired life in that sense. What it does bring is flexibility around when you work, as well as potentially huge savings in the time wasted getting to and from the office. It's also common for it to lead to increased productivity thanks to having fewer distractions at home than in a typical office environment.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="http://www.wisebread.com/how-to-live-a-retired-life-before-retirement">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-questions-couples-must-ask-before-retirement">5 Questions Couples Must Ask Before Retirement</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-10-worst-states-for-retirees">The 10 Worst States for Retirees</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/i-am-doing-well-financially-now-what">I Am Doing Well Financially. Now What?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ways-to-get-free-or-almost-free-airline-tickets">10 Ways to Get Free (or Almost Free) Airline Tickets</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-things-you-can-do-in-denver-that-you-cant-do-anywhere-else">8 Things You Can Do in Denver That You Can&#039;t Do Anywhere Else</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Retirement discounts experiences moving relocating remote retired life telecommuting time off travel vacation time work from home working Fri, 02 Jun 2017 08:30:07 +0000 Nick Wharton 1958436 at http://www.wisebread.com 5 Refreshing Ways to Keep Cool On-the-Go http://www.wisebread.com/5-refreshing-ways-to-keep-cool-on-the-go <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-refreshing-ways-to-keep-cool-on-the-go" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/fanning_on_a_summer_day.jpg" alt="Fanning on a summer day" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It's getting hotter. So how do you prevent sweat and general heat discomfort when you're commuting to work or out and about? It's easy to keep cool at home or once you've arrived at the office, but it's harder when you're on the road. Luckily, we've found some easy ways to cool off when you're on the go.</p> <h2>1. Remember a time when you were given the cold shoulder</h2> <p>Social exclusion feel may feel cold &mdash; literally. Researchers conducting a psychological experiment involving 65 students at the University of Toronto found that subjects who recalled a time when they were socially excluded estimated the room temperature was colder than subjects who were asked to recall a social incident when they felt included. People who called to mind a memory of social exclusion were also more likely to crave warm food or drink than people who thought about an inclusive experience, according to the research. So if you're feeling uncomfortably warm, it may help to conjure up a memory from a time when you felt rejected and shunned. Instant air conditioning!</p> <h2>2. Wear a cooling face mask</h2> <p>Scientists have found that the temperature of your face influences your perceived whole-body temperature and overall comfort level. In fact, cooling the face is two to five times more powerful in suppressing sweat and reducing heat discomfort when compared to cooling any other body part, according to research performed at Australia's University of Wollongong. So when you slip on a <a href="http://amzn.to/2qXy1Gv" target="_blank">cooling face mask</a> that's been soaked in cold water, you're essentially telling your body to turn on the AC. For those who like to kill two birds with one stone, additional benefits of wearing a cooling face mask include sun protection and a defense against dust, debris, and wind.</p> <h2>3. Keep a misting fan on you</h2> <p>When you need to feel fast relief, there's nothing quite like a <a href="http://amzn.to/2qARZHB" target="_blank">personal misting device</a>. A hand-held fan &mdash; especially if it's capable of giving you a light spritz of ice water &mdash; is a simple, inexpensive way of keeping cool when you're on the run. Another option is one of these <a href="http://amzn.to/2qa5ZqL" target="_blank">tiny, portable fans</a> that attach to your smartphone.</p> <h2>4. Don a cooling wristband, hat, or towel</h2> <p>Columbia has created a clothing line called Omni-Freeze Zero that's made of hyper-evaporative textiles that retain water while remaining dry to the touch. Here's how it works: When these cooling clothes and accessories become saturated with water or sweat, the absorbed moisture reacts with a specially designed polymer contained in visible rings in the fabric to create a cooling effect for the wearer. The sweatier you are, the more cooling your gear becomes. (See also: <a href="http://www.wisebread.com/7-ways-to-sweat-less-this-summer?ref=seealso" target="_blank">7 Ways to Sweat Less This Summer</a>)</p> <h2>5. Opt for a water bottle with double walls</h2> <p>A water bottle with double-walled insulation is your best bet for staying refreshed while on the fly. The popular <a href="http://amzn.to/2pAp16p" target="_blank">S'well bottle</a> brand promises your drink will stay chilled for 24 hours (or hot for 12), and there are many other brands on the market that offer that same promise. Keep your bottle filled with chilled water, and you'll be refreshed and hydrated all day long.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/5-refreshing-ways-to-keep-cool-on-the-go">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-to-sweat-less-this-summer">7 Ways to Sweat Less This Summer</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-clever-ways-to-keep-cool-when-its-stupid-hot-out">10 Clever Ways to Keep Cool When It&#039;s Stupid Hot Out</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-70-brilliant-ways-to-beat-the-heat-this-summer">Flashback Friday: 70 Brilliant Ways to Beat the Heat This Summer</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-places-to-go-to-beat-the-summer-heat">9 Places to Go to Beat the Summer Heat</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/cheap-and-simple-sunburn-remedies-that-really-work">Cheap and Simple Sunburn Remedies That Really Work</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Lifestyle humidity keep cool life hacks on-the-go stay cool summer summer heat sweating Tue, 30 May 2017 09:00:08 +0000 Brittany Lyte 1954618 at http://www.wisebread.com How to Make Your Pet an Official Emotional Support Animal http://www.wisebread.com/how-to-make-your-pet-an-official-emotional-support-animal <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-make-your-pet-an-official-emotional-support-animal" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/seeing_eye_dog.jpg" alt="Seeing Eye dog" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>As a pet parent, I understand the emotional benefits of having a loving four-legged friend by my side. My dog, Diamond, is one of the biggest calming forces in my life. Her mellow demeanor allows me to take her to dog-friendly restaurants, on pet-sitting gigs, and more. I had always considered making her an emotional support animal (or ESA), but knowing I didn&rsquo;t have a medical reason to do so kept me from taking the plunge.</p> <p>However, when I was diagnosed with an iron-overload disorder called Hereditary Hemochromatosis and learned I would have to deal with needles &mdash; my greatest fear &mdash; on a frequent basis, I decided to take the steps to make Diamond an ESA so I could have her with me at my doctor's office.</p> <p>If you are thinking about making your pet an ESA, here's what I learned when I went through the process.</p> <h2>The difference between an emotional support animal and a service animal</h2> <p>The first thing to note is that under the Americans with Disabilities Act (ADA), <a href="https://adata.org/publication/service-animals-booklet" target="_blank">ESAs are not considered service animals</a>. While service animals are allowed everywhere, ESAs have limitations on where they can go. This is because service animals are specially trained to assist a person with a diagnosed physical or mental disability, whereas ESAs are not.</p> <h2>Where you can take an ESA</h2> <p>Based on federal regulations, there are only two places your ESA is allowed:</p> <h3>A home you'd like to rent</h3> <p>Under the Fair Housing Act, all <a href="https://portal.hud.gov/hudportal/documents/huddoc?id=servanimals_ntcfheo2013-01.pdf" target="_blank">landlords must make &ldquo;reasonable accommodation&rdquo;</a> to permit dogs that are ESAs.</p> <h3>When you fly</h3> <p>Under the Air Carrier Access Act, <a href="http://servicedogcentral.org/content/node/73" target="_blank">airlines are required to provide accommodation</a> to passengers traveling with an ESA, upon review of required ESA documents.</p> <p>You can also check with your state or local government to find out their rules on allowing ESAs in public places. I did find that many doctor&rsquo;s offices and medical facilities in my area allow patients to bring their ESA with them to appointments, tests, and treatments. Just call and make sure before you bring them along. (See also: <a href="http://www.wisebread.com/5-surprising-ways-your-dog-can-save-you-money?ref=seealso" target="_blank">5 Surprising Ways Your Dog Can Save You Money</a>)</p> <h2>Are you a candidate?</h2> <p>If you are dealing with high levels of stress, anxiety, or depression, and your pet helps alleviate these issues, you may be a candidate for an ESA. If you plan on taking your pet on planes or to medical facilities, make sure your pet is obedient and calm enough to be in those environments.</p> <h2>How to prove your pet is an ESA</h2> <p>Many websites sell vests, certificates, or other identification tags stating that your pet is an ESA. While having your pet wear an ESA vest can make them more easily identifiable (I have Diamond wear one for this purpose), these items don&rsquo;t actually prove ESA status. The only thing you must have to verify your pet is an ESA is a letter from a licensed mental health professional dated within the last year on their letterhead stating:</p> <ul> <li> <p>That you are under their treatment</p> </li> <li> <p>Your mental illness or disability</p> </li> <li> <p>The name of your pet</p> </li> <li> <p>How your pet medically alleviates your symptoms</p> </li> </ul> <h2>Avoid fake document sellers</h2> <p>There are countless websites willing to send you a letter from a &ldquo;mental health professional&rdquo; for a fee. These sites make it easy to get a letter classifying your pet as an ESA. However, these letters are fake. In order for the letter to be valid, the mental health professional who writes the letter has to actually be treating you.</p> <p>If you need an ESA to help you feel calm, safe, or to assist with your sense of well-being, being under the treatment of a licensed mental health professional can be beneficial in helping you overcome the difficulties you are facing.</p> <h2>How the process works</h2> <p>Go online to find a few mental health professionals you think would be a good fit for you. Email or call them to explain your situation, why you think having an ESA would benefit you, and ask if they support the use of ESAs in therapy.</p> <p>Once you determine which therapist is right for you, schedule a session to start working through your anxiety, depression, or stress, and have your therapist write you an ESA letter.</p> <h2>Learn from my mistakes</h2> <p>My experience didn&rsquo;t go as smoothly as I&rsquo;d hoped. I contacted a few mental health professionals within my insurance network to see if they supported the use of ESAs, with no luck. Realizing I might have to use a website in order to get the letter (albeit fake) I needed in time for my first treatment, I put out a desperate plea on Nextdoor asking for recommendations for therapists who were advocates of using ESAs. Luckily, I was able to find someone with a couple days to spare before my first treatment.</p> <p>The lesson here is don&rsquo;t get discouraged if you are having trouble finding the right therapist. There are therapists out there that believe in the calming and healing power of pets!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/how-to-make-your-pet-an-official-emotional-support-animal">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-reasons-you-need-to-include-pets-in-your-will">6 Reasons You Need to Include Pets in Your Will</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-things-to-consider-before-becoming-a-stay-at-home-parent">7 Things to Consider Before Becoming a Stay-at-Home Parent</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-save-on-babysitting-without-ending-up-on-the-local-news">How to Save on Babysitting Without Ending Up on the Local News</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/ow-do-you-deal-with-family-members-who-are-bad-at-managing-money">How Do You Deal With Family Members Who Are Bad At Managing Money?</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/24-tips-for-having-a-baby-without-going-broke">24 Tips for Having a Baby Without Going Broke</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Lifestyle dog family members furry friends service dog support animal therapy dog therapy pet traveling with pets Fri, 26 May 2017 08:30:14 +0000 Ashley Jacobs 1953941 at http://www.wisebread.com 8 Wise Tips Famous CEOs Would Give Their Younger Selves http://www.wisebread.com/8-wise-tips-famous-ceos-would-give-their-younger-selves <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-wise-tips-famous-ceos-would-give-their-younger-selves" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/business_boy_puts_ideas_in_machine_and_makes_money.jpg" alt="Business Boy Puts Ideas in Machine and Makes Money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Every successful CEO has hit plenty of bumps on the road to the top. Despite the struggles, these top leaders have still managed to conquer challenges, shed their shortcomings, and grow both their skills and their net worth. They have made mistakes and learned from them.</p> <p>We wondered what some of the wealthiest CEOs would tell their younger selves, and found eight gems worth passing on. (See also: <a href="http://www.wisebread.com/11-finance-tips-you-wish-you-could-tell-your-younger-self?ref=seealso" target="_blank">11 Finance Tips You Wish You Could Tell Your Younger Self</a>)</p> <h2>1. Stay true to yourself</h2> <p>Kevin Johnson, CEO of Starbucks, is working hard to grow the chain from 26,000 locations today to 37,000 by 2021, all while maintaining the brand's unique appeal. He has some big shoes to fill, after taking over from Starbucks' iconic leader Howard Schultz in April 2017. His guiding principle, as he told Business Insider: Be authentic. By acknowledging all aspects of your authentic self &mdash; shortcomings and counterproductive tendencies included &mdash; you allow yourself and the people around you to do their best work.</p> <p>&quot;It's important to be comfortable being authentic,&quot; Johnson said, adding, &quot;Being authentic means you have to be vulnerable.&quot;</p> <h2>2. Find a job you love</h2> <p>Berkshire Hathaway Chairman and CEO Warren Buffett &mdash; one of the world's most successful investors with a net worth of $73 billion &mdash; puts it in layman's terms: Take on a career that makes you excited to wake up in the morning.</p> <p>&quot;You follow your passions. You find something you love,&quot; said Buffett at Fortune's Most Powerful Women Summit in 2014. &quot;The truth is, so few people really jump on their jobs, you really will stand out more than you think. You will get noticed if you really go for it.&quot; (See also: <a href="http://www.wisebread.com/the-5-best-pieces-of-financial-wisdom-from-warren-buffett?ref=seealso" target="_blank">The 5 Best Pieces of Financial Wisdom From Warren Buffett</a>)</p> <h2>3. Exceed expectations</h2> <p>DreamWorks co-founder Jeffrey Katzenberg's path to success was made by following this tip: Always give your best performance. And, if you can, outperform other people's expectations of your work.</p> <p>&quot;I don't think it matters how small or how big the task is,&quot; the Hollywood influencer, whose net worth is estimated at $750 million, famously said. &quot;If you can do it just a little bit better than what is expected, you will be noticed and rewarded.&quot;</p> <h2>4. Embrace tough assignments</h2> <p>Don't settle for easy work &mdash; that's the advice of PepsiCo CEO Indra Nooyi, who earned $29.8 million in 2016.</p> <p>&quot;Nobody notices when you do an easy job well,&quot; she told Business Insider in 2014. &quot;It's far better to challenge yourself by raising your hand for the toughest assignments and work to solve problems that no one else has been able to solve. That's how you truly become a trusted leader inside an organization.&quot;</p> <h2>5. Pursue extracurricular interests</h2> <p>&quot;My advice is to focus on becoming a complete person,&quot; said Goldman Sachs CEO Lloyd Blankfein, who grew up in a Brooklyn housing project and now has a net worth estimated at $1.1 billion. &quot;Everyone should focus on the content of his or her job, of course. But work is not the end; it's a means to an end. You owe it to yourself to open up to broader interests.&quot;</p> <p>So, pursue a hobby, travel, learn a new skill, read voraciously. Become that interesting person that makes great dinner conversation.</p> <h2>6. Focus on developing your own unique talents</h2> <p>Former Birchbox co-CEO Hayley Barna knows a thing or two about developing personal strengths and talents. She helped launch the subscription beauty box company in 2010 before stepping down five years later to become First Round Capital's first female partner.</p> <p>Her best advice is to identify and strengthen your distinct set of skills, rather than trying to be good at things you struggle with. For example, if you're a horrible writer but you're mathematically gifted, focus on your talent with numbers rather than trying to develop a literary voice.</p> <p>&quot;Never compare your weaknesses to someone else's strengths,&quot; Barna has said. &quot;While comparisons are tempting, especially for competitive, ambitious people, it's always important to focus on your own special talents. That's how you can make a real impact. And it's the coordination of everyone's unique skills that can make magic happen.&quot;</p> <h2>7. Own up to your mistakes</h2> <p>Dave Finocchio, CEO of Bleacher Report, would tell his younger self to admit his faults, act swiftly to correct them, and learn from them.</p> <p>&quot;I make mistakes all the time, and talk about them openly with people up and down our hierarchy,&quot; the digital sports franchise leader told Forbes in 2016. &quot;It fosters a culture where people should feel comfortable critiquing themselves honestly.&quot;</p> <h2>8. Push yourself</h2> <p>Marissa Mayer, former CEO of Yahoo, says she would counsel her younger self to get comfortable being uncomfortable. You'll never get ahead without pushing yourself to do things you've never done, and that means embracing tasks that you think you might not be fully prepared for.</p> <p>&quot;I always did something I was a little not ready to do,&quot; Mayer, whose net worth is $189 million, said in a 2015 speech. &quot;I think that's how you grow. When there's that moment of, 'Wow, I'm not really sure I can do this,' and you push through those moments, that's when you have a breakthrough.&quot;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/8-wise-tips-famous-ceos-would-give-their-younger-selves">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-bedtime-routines-of-famous-financial-gurus">5 Bedtime Routines of Famous Financial Gurus</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/its-the-21st-century-why-is-your-money-stuck-in-the-20th">It&#039;s the 21st Century — Why Is Your Money Stuck in the 20th?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-low-cost-alternatives-to-a-4-year-degree">4 Low-Cost Alternatives to a 4-Year Degree</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/make-sure-you-get-paid-and-4-other-great-tips-from-famous-commencement-speakers">Make Sure You Get Paid and 4 Other Great Tips From Famous Commencement Speakers</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-money-lessons-we-could-all-learn-from-dwayne-the-rock-johnson">6 Money Lessons We Could All Learn From Dwayne &quot;The Rock&quot; Johnson</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Lifestyle advice business CEOs entrepreneurs hard work investors quotes success stories wealthy Thu, 25 May 2017 09:00:11 +0000 Brittany Lyte 1953938 at http://www.wisebread.com How to Think Like a Billionaire When You’re Broke http://www.wisebread.com/how-to-think-like-a-billionaire-when-you-re-broke <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-think-like-a-billionaire-when-you-re-broke" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/poor_woman_with_empty_wallet.jpg" alt="Poor woman with empty wallet" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It&rsquo;s not easy being broke. As of 2014, there were almost 47 million Americans living below the poverty line. That&rsquo;s roughly 15 percent of the population.</p> <p>To simply tell these people to &quot;start thinking like a billionaire&quot; may seem tone deaf, or even cruel. But it actually is great advice. Millionaires and billionaires, especially those who are self-made, tend to think in a completely different way. It all comes down to a different view of the world. And it&rsquo;s time to embrace that mindset.</p> <h2>Don't think about the money you don&rsquo;t have</h2> <p>To illustrate this point, consider the test Dr. Tina Seelig gave her Stanford University students. She challenged them to <a href="https://www.psychologytoday.com/blog/creativityrulz/200908/the-5-challenge" target="_blank">make as much money as possible</a> in two hours using only $5 of &quot;seed funding&quot; tucked in an envelope. Working in teams, they could spend as many hours as they wanted planning, but once they tore open the envelope, the clock started ticking. The most successful results came from the teams that realized a very important part of the test &mdash; namely, that the $5 was a red herring.</p> <p>Concentrating on the small sum of money put them in a box, so they ignored it, and instead looked at ways to make money from scratch. Some of the ideas were incredible. One team made $650 by selling their time; they sold their three-minute presentation slot to a firm looking to recruit students in the class. Brilliant. Now that&rsquo;s how a billionaire thinks &mdash; looking at the opportunity, not the handicap.</p> <p>The lesson here is that the money you do not have right now should not, in any way, hold you back. If you don&rsquo;t have funds, find a way to use what you do have to make money. What can you sell? Is it your time? Is it knowledge? Is it a service? The lack of money in your account should not place a limit on your ideas.</p> <h2>Never say &quot;I can&rsquo;t afford it.&quot; Instead ask &quot;How can I afford it?&quot;</h2> <p>You may have heard it often growing up. &quot;Dad, can I get a new bike?&quot; &quot;No, we can&rsquo;t afford it.&quot; That&rsquo;s how poor and middle class people often think. They look at their current financial situation, and make a quick calculation. But that&rsquo;s the wrong approach.</p> <p>If you need something, or your kid wants something that isn&rsquo;t just a frivolous whim, don&rsquo;t automatically say, &quot;No, we can&rsquo;t afford it.&quot; Instead, counter with a question. Namely, &quot;OK &hellip; <em>how</em> can we afford that?&quot;</p> <p>Maybe it&rsquo;s a new stove, or replacing the old, worn-out car. If you immediately shut down the possibility, you&rsquo;ll never get it. A billionaire doesn&rsquo;t place these limits on ideas or dreams. They look into funding sources, ways to create capital, and many other money-generating avenues. And we&rsquo;re not talking about pulling out your credit card for something you can&rsquo;t afford and don&rsquo;t need.</p> <p>For necessities &mdash; or important dreams &mdash; it doesn&rsquo;t matter if the object in question costs $100 or $100,000,000. The process is still the same. How can you afford that? What can you do to make it happen? Start thinking. (See also: <a href="http://www.wisebread.com/how-to-come-up-with-1000-in-the-next-30-days?ref=seealso" target="_blank">How to Come Up With $1,000 in the Next 30 Days</a>)</p> <h2>See change as opportunity</h2> <p>Most of us are afraid of a major life change, be it a job loss, financial obligation, or a move to another state. These are stressful and difficult situations. But a billionaire sees any kind of change, even those most of us would consider negative, as an opportunity.</p> <p>If it&rsquo;s a job loss, it has created a glut of free time to use for a new venture. What can you do with that time that could create money in new and exciting ways? Think back to those college students with the $5 challenge. Some of them decided to make money waiting in line for people. They were making $20 a shot. Considering the minimum wage is currently $7.25, that&rsquo;s almost three times the amount for literally doing nothing.</p> <p>Fear of change is natural. But fear is a negative response to any situation, and in the long run, it will cripple your thinking and your ability to bounce back. Whatever the situation, take control and think positively. How can you turn it to your advantage? What do you have now that you did not have before this major event happened? Then, run with it.</p> <h2>Every penny saved is a penny earned</h2> <p>Billionaires do not blow money. People have this idea, which comes from a select few who hog the limelight, that the superrich are super wasteful. But they did not become rich by throwing money away.</p> <p>There is a now infamous anecdote about a billionaire who went into a New York bank asking for a $5,000 loan, and put his Bentley up as collateral. It was approved, and the bank employee parked the car in their underground garage. Two weeks later, the man returned from vacation, and paid back the $5,000, plus the $15.41 it accrued in interest. When asked why he, a rich man, would require such a small loan, he replied &quot;Where else could I have parked my car in New York City for two weeks, for only $15?!&quot;</p> <p>The story isn't real, but the strategy definitely is. This is how a billionaire would actually think about such a situation. Sure, they can afford the finest parking in the city, but why pay through the nose for it when they can get it for almost nothing?</p> <p>You can think the same way. What are you paying for, right now, that could be reduced in cost? What ways are there to save money on everyday purchases? From extreme couponing, to haggling and bartering, you have many options available to you.</p> <h2>Time really is money</h2> <p>Donald Trump once stated that he never wastes time. Even when he&rsquo;s on the golf course, he&rsquo;s doing business. He sleeps as little as possible, because every moment he&rsquo;s awake is an opportunity to make money or create something.</p> <p>Look at the ways you spend your time, and see how it can be maximized to work for you. If you&rsquo;re on the bus going to work, are you staring out of the window, or reading a book that could teach you a new skill? Do you have hobbies that are productive?</p> <p>Even playing video games can make you a small fortune, if you record yourself playing and post the videos to YouTube and Twitch. Indeed, the average &quot;pro-streamer&quot; makes between $3,000&ndash;$5,000 per month from 40 hours per week of game time. Think about that. They are literally being paid a living wage to play video games. Something that many people believe to be a waste of time has been turned into an income stream.</p> <h2>Consider every detail</h2> <p>It&rsquo;s been said that billionaires look at the bigger picture. It's often called &quot;the 30,000 foot view,&quot; which basically means seeing the layout, but not the houses, driveways, and storefronts. This is, in fact, the complete opposite of how a successful business operator thinks. Yes, the big picture is important at the get-go. But the details are what drives the success or failure of a venture. Often, it&rsquo;s a small detail that was overlooked that causes something to fail.</p> <p>Look at your own budget, and lifestyle, with that same eye for details. Are you paying $1 too much for something, especially a monthly bill? Did you examine the contract for your lease? Is there something in it that gives you a chance to save money? Did you get every deal you were supposed to get at the grocery store? Check the receipt.</p> <p>Back in 2005, a software company <a href="http://techtalk.pcpitstop.com/2012/06/12/it-pays-to-read-license-agreements-7-years-later/" target="_blank">hid a $1,000 prize</a> in the terms and conditions of its user agreement. It took five months, and over 3,000 sales, before someone actually read the agreement and claimed the money. Details count. Pay attention to them, and you could see incremental changes that really start to add up.</p> <p>Remember, billionaires and millionaires may live extravagant lives, but don't let that stop you from thinking the same way they do. It will make you wealthier in the process.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/how-to-think-like-a-billionaire-when-you-re-broke">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-money-lessons-we-could-all-learn-from-dwayne-the-rock-johnson">6 Money Lessons We Could All Learn From Dwayne &quot;The Rock&quot; Johnson</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-inspiring-quotes-about-money-from-successful-women">6 Inspiring Quotes About Money From Successful Women</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-only-money-advice-youll-actually-listen-to">The Only Money Advice You&#039;ll Actually Listen To</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-pearls-of-financial-wisdom-from-dave-ramsey">3 Pearls of Financial Wisdom From Dave Ramsey</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-millennials-have-changed-money-so-far">6 Ways Millennials Have Changed Money (So Far)</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Lifestyle advice billionaires broke entrepreneurship ingenuity inspiration making money millionaires poverty saving money Wed, 24 May 2017 08:00:08 +0000 Paul Michael 1952957 at http://www.wisebread.com 8 Things You Should Always Pack in Your Carry-On http://www.wisebread.com/8-things-you-should-always-pack-in-your-carry-on <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-things-you-should-always-pack-in-your-carry-on" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-514078965_0.jpg" alt="Woman always packing these 8 things in her carry-on" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Every traveler wants their trip to go off without a hitch, but human error can foil those plans. Maybe you forgot to pack your medication, or perhaps the airline sent your bags to the wrong destination. Life happens. Which is why you should keep your vacay on track by keeping your necessities within reach at all times. Here's what you should always pack in your carry-on, no matter what.</p> <h2>1. Second form of ID</h2> <p>Most of us keep our driver's license in our wallets, but it's also a good idea to pack your passport, too &mdash; even for domestic trips. Any number of things can happen to your ID while traveling, like accidentally misplacing it in the airport, or neglecting to put it in your wallet before leaving your house. I like to travel with a passport just in case I want to check out a nearby country on my vacation, like when I hopped over to Canada on a recent trip to Detroit.</p> <p>If you're traveling internationally, you'll obviously need a passport as your main form of ID. This requires extra precautions, like making a copy of your passport photo page in case your passport is lost or stolen during your travels. You'll have an easier time expediting a new passport from the local embassy if you can show proof of ID in a photocopy. This five-second trick can save you hours and hours of unnecessary stress, especially if there's a language barrier. (See also: <a href="http://www.wisebread.com/what-to-do-if-you-dont-have-your-id-at-the-airport" target="_blank">What to Do If You Don't Have Your ID at the Airport</a>)</p> <h2>2. Empty water bottle</h2> <p>I recently traveled to Columbus, Ohio and while waiting in line for security, I saw a familiar sight: travelers chugging whatever drink they brought with them to the airport because they forgot that you can't take liquids with you through security. Those same people often then end up buying $3 bottles of water at expensive airport shops once they're on the other side.</p> <p>To avoid the bloat and expense of that experience, I travel with my empty <a href="http://amzn.to/2pUrAjR" target="_blank">Nalgene bottle</a> that I fill up with water once I've crossed over to the gates. There are water fountains throughout the airport. That water is free, and it's just as tasty as the pricey bottled stuff. (See also: <a href="http://www.wisebread.com/these-6-things-will-make-your-next-flight-more-comfortable" target="_blank">6 Things That Will Make Your Flight More Comfortable</a>)</p> <h2>3. Medication</h2> <p>To step foot on an airplane, I need at least two glasses of wine with a Xanax chaser. If the captain says there will be turbulence, I up my dosage. This ritual saves me from having a heart attack midflight, and the rest of the passengers can rest easy without all my heavy breathing and cursing.</p> <p>It's a good idea to have whatever medication you need for your various ailments in case the flight is delayed and/or your bags don't arrive at your destination the same time you do. Outside of your prescriptions, don't forget to bring a decongestant if you have trouble clearing your ears during flights, and a general pain reliever (as long as they're safe to take with your other medications, of course). The chance you'll get a headache increases, like, tenfold as soon as you enter the airport &mdash; but you already know this.</p> <h2>4. Chargers for devices</h2> <p>Often I travel by train to the closest airport, and my battery is half depleted by the time I get there 90 minutes later. Seeing as how I verge on having a stroke whenever my juice gets below 10 percent, I always have my chargers in my carry-on. You never know when you'll be in a pinch and need your devices to be all powered up. Nowadays you'll find plugs and USB outlets all over airport terminals and on planes, trains, and even in taxis. (See also: <a href="http://www.wisebread.com/the-5-best-power-banks?ref=seealso" target="_blank">The 5 Best Power Banks</a>)</p> <h2>5. Toothbrush</h2> <p>If you're not able to shower for an extended period of time &mdash; maybe you're on a particularly long flight or maybe you've hit a few hiccups in your travel plans &mdash; a fresh toothbrush and toothpaste will leave you feeling clean enough to power through until you find a shower.</p> <h2>6. Cash</h2> <p>I rarely use cash because I love the compactness and convenience of my debit and credit cards, but I've been on trips on more than one occasion where they've been flagged after a single swipe for security reasons because of suspect activity. That generally means my banking institutions are trying to protect me from fraud situations, but it's really annoying when I need to pay for something, and downright infuriating when I don't have access to a working phone to call and sort the error out straight away. Now I always travel with $100 in cash in $20 increments in my wallet when I go on a trip so I can at least afford essentials, like food or a cab ride.</p> <h2>7. Multipurpose jacket</h2> <p>Do you know why most modes of public transportation keep their cars and cabins at chilling temperatures? Neither do I. But I always, always travel with a light jacket or hoodie &mdash; even if it's 95&ordm; F where I'm leaving or where I'm going. If I don't need to wear it, at least now I have something on which to lay my head when the cocktails kick in.</p> <h2>8. Glasses</h2> <p>If you wear contacts, pack your glasses. You may need them. This is especially important if you have to drive anywhere once you reach your destination. Your eyes may be dry from the flight, or you might lose a contact in transit. You may even want to pack a second pair of glasses and contacts in your checked luggage, just in case. If you're headed someplace fantastic like the jungles of Costa Rica, you won't find a Lenscrafters, anywhere. Stay smart, and stay sighted.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F8-things-you-should-always-pack-in-your-carry-on&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F8%2520Things%2520You%2520Should%2520Always%2520Pack%2520in%2520Your%2520Carry-On%2520%25281%2529.jpg&amp;description=8%20Things%20You%20Should%20Always%20Pack%20in%20Your%20Carry-On"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/8%20Things%20You%20Should%20Always%20Pack%20in%20Your%20Carry-On%20%281%29.jpg" alt="8 Things You Should Always Pack in Your Carry-On" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/8-things-you-should-always-pack-in-your-carry-on">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-carry-on-luggage-can-save-you-time-and-money">5 Ways Carry-On Luggage Can Save You Time and Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/make-flying-easy-the-ultimate-carry-on-packing-list">Make Flying Easy: The Ultimate Carry-On Packing List</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-packing-secrets-from-a-professional-traveler">15 Packing Secrets From a Professional Traveler</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-affordable-travel-items-that-you-shouldnt-leave-home-without">9 Affordable Travel Items That You Shouldn&#039;t Leave Home Without</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-things-you-should-never-pack-for-vacation">5 Things You Should Never Pack for Vacation</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle Travel carry-on luggage minimalism packing packing tips suitcase travel advice travel tips Fri, 19 May 2017 08:30:08 +0000 Mikey Rox 1950126 at http://www.wisebread.com