Source: luxebook.in

Apache is functioning normally

I spent a couple hours this morning performing what ought to have been a simple home-maintenance task. The light fixture on our front porch had gone faulty, and I needed to replace it. I’ve done enough wiring projects now that the electrical aspect of the job didn’t bother me. But the woodworking? That was frustrating.

As I fumbled with the jigsaw (“Drat! Another blade bent!”), I wished again that I practiced woodworking more often. I have several friends who do so, and the skills they’ve learned help them to save money around the house. My incompetence this morning gave me plenty of time to reflect on the value of productive hobbies.

Productive hobbies
When I was younger, I spent most of my spare time reading comic books and playing video games. There’s nothing wrong with a little self-indulgence, but the older I get, the more I appreciate hobbies that provide practical skills. Productive pastimes are not only fulfilling, but they can also help save money. (Sometimes they can even generate a little income!)

Here are a few hobbies and pastimes that can help to save (or make) money:

    • Gardening. Kris and I aren’t yet finished with our year-long garden project, but already we know that it has saved us money. (Find out just how much when we post an update this Saturday.) Even if it did cost a little more, it’s fantastic to have fresh food just feet from the front door. You don’t need a lot of space to start a garden. Consider square-foot gardening or container gardening.
    • Photography. Cameras can be a money sink, but photography doesn’t have to be expensive. You can have a lot of fun with a cheap point-and-shoot digital camera. With practice, you may even be able to make money selling digital photos online. I know several people who do this (and I’ve done it myself).
    • Woodworking. Carpentry is another hobby that can consume a lot of cash. But if you have the space and the time, you can also develop skills that yield big dividends in the long run. If I’d taken the time to learn woodworking, I wouldn’t have to pay a contractor to do some of our remodeling projects. (And I wouldn’t have cut a four-inch hole this morning when I only needed a three-inch hole.)
    • Knitting. As with many hobbies, knitting can be expensive, but there are ways to make it less so. Nell at Octopus Knits has pattern companies and yarn folks giving her product (yarns & patterns) to try. Some of my friends have taken commissioned projects. Kris is learning to knit adorable little stuffed animals; she could sell them for $20 a pop.
    • Computer repair. Because I’ve always been a computer hobbyist, I’m able to troubleshoot computer problems instead of paying somebody to do it for me. Before I turned Mac, I also saved money by building my own machines. In fact, for a couple years, I supplemented my regular salary by helping friends and family with their computer problems.
    • Art. Last week, I pointed to the work of lillyella, whose art generates enough income through her Etsy store that she now does it full time. In the past, I’ve also mentioned Ayla, a teenager who sells her art glass at the local farmers market. Kris has a friend who is learning how to work with stained glass, but just for fun.
    • Cooking. My friend Laura has a group of friends that love to cook. They recently organized a cooking evening to provide freezer meals for each of them.  They decided on six menus, assigned the shopping, borrowed a church’s kitchen, divided duties like cutting, slicing, dicing, mixing, frying, cleaning, split the costs and each went home with six different items for future use. But even learning to cook for your own family can save you a lot of money.
    • Baking. Baking is fun for its own sake, but it can also save you money with gifts. Who wouldn’t rather have a couple dozen home-baked cookies than another useless mug? Some people can even turn this skill into a career. My aunt turned a baking hobby into a business, creating cakes and catering weddings. She provided jobs for several other family members, too!
    • Canning. Though Kris has always enjoyed canning, this summer has been amazing. She’s discovered it’s a hobby she truly loves. She derives immense satisfaction from preserving her own food. “It’s comforting to walk into the pantry and know that I made all of this,” she said recently. “I know where the food came from, and I know that we’ll be eating it all winter.” Though the start-up costs are a little high, they repay a hobbyist in time.
    • Making music. My friend Michael has a musician friend who plays the piano and has been paid to play at private events. He has another friend with a great voice. This man loves to sing, and he and his friends hire themselves out as a quartet around Valentines Day and to sing Christmas carols during the holidays. (I’m always jealous of my musical friends. I know it’s hard work to become proficient, but it looks like such a fun way to stay entertained.)
    • Vehicle maintenance. I know little about cars. I wish I knew more. Knowing even basic vehicle maintenance can save you big bucks. I once knew a guy who performed nearly all his own auto work. He could buy a junker car, fix it up, and resell it at a nice profit. He wasn’t going to get rich doing this, but he enjoyed the hobby, and it kept him in money for his own vehicle.
    • Physical fitness. You’ll never get rich running road races, but there’s no question that a healthy body can save you money. Find a physical activity you enjoy: biking, running, hiking, dancing, yoga, weightlifting. Play a team sport. Regular exercise can be fun, but it will also save you money in the long run.

The possibilities are limitless. There are countless fun and interesting hobbies that can either save you money, or maybe help you earn a little on the side.

Quick tips
You’ll notice that none of these hobbies involve collecting. I’m an inveterate collector myself (comics, books, notebooks, movie serials, music of the 1920s, …), so I know first-hand how expensive it can be. Some would argue that it’s a form of compulsive spending, and I can’t really disagree. Since I’ve begun focusing on hobbies that involve doing rather than getting, I’ve spent much less money.

For some hobbies, equipment can be prohibitively expensive. In these cases, you may be able to find used stuff on Freecycle or Craigslist, or you may be able to begin with low-end gear. (This isn’t always a good option. If you think you’re going to be doing a lot of running, you should buy a quality running shoe from an expert, and not settle for cheap sneakers, for example.)

In many cases, it’s possible to jump-start a hobby by taking a course at a community college or community school. I spent a year taking photography classes, for example. The instruction and experience were invaluable, and helped me develop the skills necessary to actually sell a couple photos.

My friend Michael likes woodworking but can’t afford (and doesn’t have space for) all of the equipment. When he needs to build something, he signs up for a community college woodworking course so that he can use industrial woodworking tools at a reasonable cost.

Further reading
I’m a big fan of productive hobbies, and I’m not the only one! Here are some articles on the subject from around the web:

Don’t forget that hobbies are an excellent way to make gifts for less than it costs to buy them. Kris sometimes knits gifts for special occasions. Most years she gives some sort of home-made food to our friends for Christmas. I sometimes give photographs. One of the best birthday gifts I ever received was a batch of homemade chocolate chip cookies.

Source: getrichslowly.org

Apache is functioning normally


Posted on: September 11, 2018

When it comes down to it, homeowners looking to sell only want two things: to sell them home quickly and for a lot of money.

There are tons of tricks to helping sell your home quickly, and for a high value. Today’s seller’s market helps, with rising home prices and a huge demand for homes.

Other tricks help as well, like repainting your house or making small renovations.

But what if you’ve already made all the fixes? What else can you do to increase the value of your home?

The answer could be making your home ‘smart.’ Smart homes are starting to become more viable as technology advances and more devices start to connect. While some tech may seem like a gimmick or a fad, other improvements could end up being the final selling point on your home, helping you close the deal.

Here are some of the top tech improvements you can make for your home, as well as tips when looking at making your home smart:

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Front door

There’s plenty of evidence to support that painting your front door a bright color helps sell your home. That’s because your front door is one of the first things prospective home buyers will see. Why not impress them with some tech?

Smart doorbells add security to your home. These doorbells have built in cameras, and when someone rings your doorbell, you’ll be able to see who is outside your door. Many of these connect with your phone, too, so you can get a notification when someone’s at the door even if you aren’t nearby.

Another front door feature to look into is a smart lock. These locks can be unlocked remotely by phones, and multiple phones can be connected to the lock. For houses with kids, this can be safer than giving everyone a key. Combined with the smart doorbell, you can find out who is at your door and unlock the door from them from the other side of your house.

These upgrades aren’t just convenient, but they help keep homes safe, too. Safety is a top priority for most home buyers, so this will impress them.

Security system

Most homes already have a security system, but many of them could use an upgrade.

Because homeowners want a safe house, a smart security system is a good selling point. These systems vary in range and cost, but most give you access to professional monitoring and remote control.

You can also choose to combine your security system with outdoor cameras and motion sensors for extra defense. Smart alarm systems will also let you turn the system on and off whenever you want.

Around the house

Some smart tech increases the value of your home while saving you and the future homeowner money.

Light dimmers aren’t new, but they are huge money savers for electricity. Also, dimmable lights are convenient for entertainment and comfort purposes. Smart light dimmers can be controlled from your phone or tablet.

Smart thermostats can be an even bigger money save. These keep track of when you are and aren’t home, making sure to heat and cool the house at the right times. This saves you money without you even noticing a difference in temperature.

The comfort and cost effectiveness of these products are easy sells, especially for any potential home buyers who are already used to these amenities.

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When in doubt, keep it simple

Tech is fun and cool, and it can make your home easier to sell at a higher price. But just like everything else, tech can be too much of a good thing.

Small changes like smart doorbells or smart thermostats can cost around $200, making them a cost-effective addition. Upgrading your entire home to a smart home can cost much more, though, sometimes well above $10,000. This is going to be much harder to recoup.

It’s also worth keeping some parts of your home tech-free. Not everybody is in love with including tech in every aspect of life, so some home buyers could be turned off because you made too many upgrades.

What to do after you move

Once you’ve sold your home, you need to be sure to reset every device in the home. Not only are you a potential risk to the new homeowner’s security, but leftover data could be getting stored on the devices.

To keep yourself safe, factory reset every device in the home as you move out.

Click to check today’s VA rates.

Source: militaryvaloan.com

Apache is functioning normally

There are five sleeps left until Christmas. Are you as unprepared as I? There’s no shame in that game. Life is just too busy sometimes. If you can’t squeeze in an IRL shopping trip (though the slow-shopping experience is actually rather uplifting), thankfully things like Prime have been invented. There are always those last second gifts that leave you a little stumped. Stocking stuffers, the gift for that last Christmas cocktail party, your best friend who already has everything. But you don’t have to resort to cheesy mugs, bad t-shirts or other tchotchkes. With just a little extra online sleuthing you can, in fact, find some pretty dang looking gifts that will get to your front door with just enough time to wrap up and get them under that tree. Btw, if you think this shopping list might be self-serving because it represents everyone I still need to shop for, you might be right.

1. Showing up at a Christmas party empty handed is a major faux pax, but showing up with a bad bottle of wine is even worse. Why not gift something your host can enjoy long after all of the holiday trimmings are put away. An oversized marble candle is a nice step up from any old candle that you see everywhere. ($29)

2. I’m always hunting for the perfect little stocking stuffer that isn’t just total cheap crap. This lip tint by the organic skincare line Herbivore has purdy packaging and a universally flattering color. ($28)

3. There’s nothing I enjoy more than girl talk over good wine with a best friend. These rose gold tripped wine glasses would be a welcome addition to anyone’s bar. ($65)

4. If you know a cooking enthusiast, it can be tough to find them something interesting, but this cookbook featuring traditional Venetian dishes from famed restaurant Polpo would offer any home-cook a fun challenge. And I’m not just saying that because I honeymooned in Venice and am obsessed with food there and might want this book to show up under my own tree! ($34)

5. There are a lot of flasks out there. This is not a new nor groundbreaking idea for gifts for the guys, but if you’re serious about you guy having a little nip, give him a serious flask. This flask, sold at retailers like REI, is designed for the outdoorsman. It’s made of stainless steel, is leakproof and has a lifetime warranty. Leave those wanna be flasks at Urban Outiftters alone. ($16).

6. Moms seem to always love Christmas decor, but instead of another set of cheesy hand towels, why not give her a piece of cool modern holiday decor like this christmas tree will add cool touch to next year’s holiday trimmings. ($32)

7. Everyone loves cute animals, but they’re particularly fabulous in a nursery. This art print of a highland cow is so dang cute, I’d be happy seeing it anywhere in my house but I think a new mom would be so excited for something that lasts longer than a onsie or an overpriced pair of baby moccasins. ($25)

8. A salt and pepper shaker can be a pretty ho-hum gift, but this set designed by modern home furnishing brand Menu, shows you didn’t just grab something off the discount isle at Target – aka, you care . ($70)

For rest of our Gift Guides, including for Kiddos, Neat Freaks, Coffee Aficionados, Art Lovers, Dinner-Party Throwers, the Hostess with the Mostest, Decorators, Workaholics & Fashionistas, CLICK HERE

I’m also pinning more of my favorite gift picks HERE

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Source: apartment34.com