Per Stirpes vs. Per Capita in Estate Planning

When creating an estate plan, one of the most basic documents you may wish to include is a will. If you have a more complicated estate, you might also need to have a trust in place. Both a will and … Continue reading →

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Why Set Impossible Goals for 2021? [The Ultimate New Year’s Savings Hack]

In the 1980s, self-driving cars and smartphones without antennas were only things you’d see in movies — unimaginable futuristic goals. Now, these “impossible” inventions are part of people’s everyday lives. These innovative ideas were thought to be outlandish years ago…

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The post Why Set Impossible Goals for 2021? [The Ultimate New Year’s Savings Hack] appeared first on MintLife Blog.

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Go Green: 5 Tips for Saving Electricity

After a few weeks of talking about ways to go green, I thought an episode on how to save electricity would be a great way to finish out this green series. Hopefully you’ve enjoyed learning ways to save water, to cut down on the amount of trash you create in your kitchen as well as some environmentally-friendly laundry tips.

If you’ve ever Googled “How to save electricity,” you’ve found out the hard way that there are hundreds of tips out there. Some of these tips are easy to implement, but some of the ways to save electricity that are suggested online are tips like, “Use candles instead of turning on lights.” While this will certainly save electricity, it’s not incredibly practical. That’s why I decided to put together a list of some of my favorite, easy-to-do tips to help you save electricity.

Tip #1: Save electricity by turning off lights

If your parents were like mine, you probably still have a voice rattling around your head saying, “Turn off the lights!” whenever you exit a room. Our parents had it right, because there’s absolutely no reason to keep a light on in a room you are not in. If you can commit to simply turning off the lights in every room when you leave it, you can save electricity immediately.

Whether you are going to return to the room in 10 minutes or 10 seconds, there’s no reason to have the light on while you’re not in the room.

Tip #2: Save electricity by turning off (and disconnecting!) electronics

Just like there’s no use in keeping lights on while you’re not in a room, there’s no use in keeping electronics on while you’re not using them. When you leave for the day, make sure all your electronics are off. This includes your TV, sound system, computer, and any other electronic gadgets you may have around your home.

Did you know that electronics that are plugged in, and not even turned on, can account for 5-10% of electricity used in a home?

Taking it one step further, did you know that electronics that are plugged in, and not even turned on, can account for 5-10% of electricity used in a home? Computers, printers, coffee makers, and even phone cords that are plugged in can be energy vampires, sucking electricity (and your hard-earned money) when they aren’t in use. So you may want to invest in a power cord that you can plug most electronic devices into. That way, you can simply unplug off just one switch when you leave for the day (instead of walking around unplugging things throughout your home). Yes, it might take 2 more seconds of your time to turn the power cord on than simply turn the electronic device on, but it can make a big impact in your electricity bill.

Tip #3: Save electricity by taking care of your air conditioner

If you live in an area of the world where you use your air conditioner a lot, this can play a major part in your energy consumption. If you want to save electricity, there are a few things that you can do to make sure your air conditioner is running as efficiently as possible.

First, have your air conditioning unit serviced annually. Most companies charge a nominal fee to have this service completed. It involves cleaning out the coils and checking for any small repairs that are making your unit work overtime. Next, make sure you change your air filters monthly. These filters catch a lot of dust and dirt, which starts to clog them. The more clogged the filters, the harder your air conditioning unit has to work to get the air to pass through the filter. If your filters are any color other than white, making a slight whistling sound, or worse yet, are bent because they are being sucked into the vent, change them immediately. This change alone will save a ton of wasted electricity from being used to cool your home.

Tip #4: Save electricity by making easy swaps

A couple of quick swaps in your house can help you save electricity. The first you may want to consider is using ceiling or box fans instead of running your air conditioner as much. Oftentimes, just circulating the air in a room will help the room feel cooler. Instead of running the massive cooling unit outside your home, a fan uses about the same amount of electricity as a light bulb. For every degree you can raise your air conditioner, you save about 5% of the energy being used. I live in the desert of Arizona and my fellow dessert-dwellers are very familiar with this technique. It costs an arm and a leg to cool a house in Arizona to 70 degrees, so most people set their thermostats between 77 and 81 degrees and run the fans to do the rest. It keeps us comfortable, both with the feeling inside our house as well as when we see our electric bills!

Another easy change is to switch incandescent light bulbs to fluorescent, otherwise known as CFL, light bulbs. CFL bulbs use just 25% of the energy of regular light bulbs, so when you combine that with always shutting them off, you can dramatically save on your electricity consumption. Just remember that CFL bulbs contain a small amount of mercury, so they need to be disposed of properly. Check with your local government agency to see how they require these bulbs to be disposed of.

Tip #5: Save electricity by keeping nature outside

The final tip on how to save electricity is to make sure you don’t have any drafts coming into your home. If you hold a feather around the edges of your windows and doors, the feather should be perfectly still. If it wavers, that means outside air is getting into your home. The more outside air that gets into your house, the more your air conditioner or heater has to run. Seal up your windows and doors with weather stripping, which is available at your local hardware store and is relatively easy to apply.

Also, during the summertime, keep the sunshine out of your house using room darkening blinds and curtains. By keeping the sun out, especially from south and west facing windows, you will keep your house from heating up, which will do a big part in helping to save electricity.

These are just a few tips to save electricity to get you started. 

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How to Get Approved for Credit in a Financial Downturn

In a recession it’s common for many people to rely on credit cards and loans to balance their finances. It’s the ultimate catch-22 since, during a recession, these financial products can be even harder to qualify for. This holds true, according to historical data from the Federal Reserve Bank of St. Louis. It found that […]

The post How to Get Approved for Credit in a Financial Downturn appeared first on Good Financial Cents®.

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How To Save Money On Textbooks + Campus Book Rentals Review

If you are looking for tips on how to save money as a college student, then one of the top things you need to learn is how to save money on textbooks such as through cheap textbook rentals. In this post, I will be including a Campus Book Rentals review because I used this textbook rental company throughout college and was […]

The post How To Save Money On Textbooks + Campus Book Rentals Review appeared first on Making Sense Of Cents.

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Inside Supernatural Star Jensen Ackles’ ‘Very Hip’ Lake House in Austin

If you’re a die-hard Supernatural fan like us, you’re probably still reeling from the show’s finale and coping with the fact that there won’t be any new Winchester adventures for us to follow. But we’re not here to talk about that, but rather snoop into the private life of one of the series’ leading men. […] More

The post Inside Supernatural Star Jensen Ackles’ ‘Very Hip’ Lake House in Austin appeared first on Fancy Pants Homes.

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How to Make a Great Impression in a Virtual Interview

Global pandemic got you thinking this is no time for a job change? Think again! Unemployment did soar to alarming rates in the early days of Covid. According to the Harvard Business Review, U.S. unemployment jumped from 3.5% in February of 2020 to 14.7% in April. But as of November 2020, it’s back down to 6.7%.
 
There is a job market, and it’s yours to partake in if you so choose. But the search is likely to be virtual.
 
So whether you’re out of a job or just looking for a change, let’s talk about strategies that will help you shine on screen and land your dream job.

1. Polish that profile

Keeping your online presence current and polished is a good idea in any moment or market. But according to Fast Company, there’s a particular urgency to sprucing it up right now. 
 
“Because many HR professionals are relying on video interviews, they’re also looking for ways to get a better feel for who the candidates are… [so] many are turning to social media profiles and looking for evidence of the candidate’s work online.”
 
This is a moment to assess your professional online presence. Personally, I focus on LinkedIn.
 
What’s your headline? What achievements are you highlighting? Do you have links in your profile to samples of your work?  Can you ask for testimonials or endorsements from people in your network? Ask a few friends to check out your LinkedIn profile as if they were looking to hire. Get their feedback and make adjustments. 
 
This is your moment to use LinkedIn like a Rockstar.

2. Set the scene for success

My family has this little holiday tradition. Every year we watch the 1989 classic National Lampoon’s Christmas Vacation. It gets worse every year, but you don’t mess with tradition. This year, my 13-year-old was savvy enough to recognize that no one in Clark Griswold’s office had a computer on their desk. She simply couldn’t fathom the idea of work getting done in a pre-technology world. I can barely believe it myself.
 
Technology has evolved in ways the workforce of 1989 could never have imagined. It’s amazing what we can do today. But while videoconferencing technology has technically enabled amazing things, we all know it can be clunky and awkward by 2020 standards. So do your best to make your virtual interview as smooth as possible.
 
Here’s a quick checklist:
 
  • Check your tech. Internet connection, microphone, webcam—are they all working? If not, make sure you troubleshoot ahead of time.
     
  • Create a professional setting. Your background—real or virtual—should be as professional as possible.
     
  • Test the platform in advance. Make sure that wherever you’re meeting (Zoom, Teams, etc.) you have everything downloaded or updated, and you'll be able to get into the virtual interview without a hitch. Do a practice run with a friend if you’re anxious.
     
  • Strip out distractions where you can. Kids, dogs, landscapers, snowblowers—they're all noisemakers of the highest order! Be aware, and do your best to minimize.
     
  • Acknowledge distractions you can’t control. In a tiny apartment or homeschooling kids solo? Don't stress! Just call this out as the meeting begins so no one is caught off guard. Any interviewer with a shred of humanity will offer you some grace.

If the interviewer isn't willing to cut you some slack, pay attention to that vibe! I mean, is a workplace that can't roll with real-world challenges graciously really where you want to be?

3. Account for the floating head syndrome

Videoconferencing is the best we’ve got, but it’s not perfect. There is so much about in-person interaction that we didn’t appreciate until we lost it! We’re now trading in floating heads. We’ve lost our access to body language which helped us read the room or sense how we were being received by our conversation partner.
 

In the absence of body language, you’ve got only your voice, so check in with the interviewer.

 
In a pre-pandemic world, the savvy among us might read subtle cues from the interviewer indicating we’ve gone off-topic, or we’re going into too much detail. But in the absence of body language, you’ve got only your voice.
 
So check in—not constantly, but periodically. Ask the interviewer “Am I answering the question you asked?” or “How’s this level of detail? I can provide more or less if that would be helpful.” 
 
The interviewer will appreciate your checking in. It demonstrates an emotional intelligence many of your competitors may not show.

4. Keep that energy soaring

We all know Zoom-fatigue is real. Energy tends to be lower on video, so find ways to express enthusiasm that the interviewer can’t help but experience.

Focus on being fully present.

This isn’t about singing and dancing (though some solid choreography would certainly make you memorable!) Focus instead on being fully present. Close all of your tabs or windows besides the videoconference. The temptation to multi-task or be distracted by an email is dangerous. This will help you stay focused on the conversation at hand.
 
Be prepared to share stories or examples about projects you were really excited about being a part of. Oh, and find moments to just smile! Let your interviewer know, visually, you’re just happy to be there. Your enthusiasm will shine through.

5. Ask questions of the moment 

It’s good practice in any climate to ask thoughtful questions in an interview. Hiring leaders respond well to curiosity. Especially the kind that shows you did some prep work.
 
In this particular climate, be sure you ask a question or two that is relevant to the experience we're all having. You might ask how they’ve shifted their strategy or service delivery or what they’ve learned about their customers during Covid.
 
This line of questioning shows not only a spirit of curiosity, but that you’re thinking about the need to redirect, be agile, and consider the context when engaging with their products or customers.

6. Put your resilience on display

The great buzzword of 2020 will surely carry into 2021. You may have skills, experience, and connections, but every company wants to know: Are you resilient?
 
Buzzy though it may be, companies want, now more than ever, to recruit people who know how to deal with setbacks, handle rejection, learn from failure, and keep on truckin'!

Every company wants to know: Are you resilient?

So as you move through your conversation, find spots to highlight moments of failure that taught you something new; challenges you overcame; or difficult feedback you used to improve yourself. You can even talk about how you transitioned to working while homeschooling, nursing, and doing whatever else the pandemic has demanded of you.
 
These are the rules of the road when it comes to virtual interviewing. And of course, it goes without saying that what mattered in traditional interviewing—being on time, being professional, doing your research, sending a thank you note—all still applies.
 
Now go get ‘em, tiger!
 

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