Capital One To Launch Two Airport Lounges (DFW & IAD)

In addition to adding new flexible point transfer partners and increasing the transfer rates, today Capital One announced it would be opening two airport lounges at DFW & IAD airports. Details are as follows:

  • Dallas Fort Worth Airport (DFW) lounge will open in late summer 2021 and be ~10,000 square feet. Lounge will be located in Terminal D near Gate 22
  • Washington Dulles Airport (IAD) lounge will open in 2022 and be ~9,000 square feet. Lounge will be located near the security check point.

Unfortunately it doesn’t look like any Capital One cardholders will get free access to the lounges with Capital One stating that “customers will be eligible for special cardholder pricing, depending on their card.” The lounges will include things such as grab and go food, restaurant quality dine in options, coffee bar, wellness rooms (e.g cycling and yoga), shower suites, semi private work spaces and soundproof relaxation rooms.

My guess is that Capital One is gearing up to launch a more premium style card and that will include free access to these lounges among other benefits. Capital One has always catered to the lower end of the market so this would be an interesting change of direction. It’s also possible that Capital One won’t launch a premium style card and existing cardholders will just be able to access these lounges for ~$30 with it costing non cardholders $50+.

Source: doctorofcredit.com

7 Easy DIY Air Freshener Ideas For Your Home

Most of us would agree that being in a clean, organized and fresh-smelling space makes us happy. Yet, no matter how hard we try, sometimes funky smells make it into our homes, whether it’s a wet dog coming in from a rainy walk or a smoker who lives next door and decides to use the outdoor patio as an ashtray. To help freshen up the air in your space, try a DIY air freshener.

All of these ideas are cheap and easy to make with just a few ingredients, some of which are as close as your refrigerator or pantry.

1. Embrace biophilic design

Windowsill of bioliphic plantsWindowsill of bioliphic plants

Biophilic design considers plants in our interior environment, and while the jury is still out on whether houseplants help purify the air or not, there’s no dispute that they do a lot of good for our mental health.

Still, some houseplants emit wonderful scents including hyacinths, gardenias, scented geraniums and lavender.

2. Dry fresh lavender

Dried Lavendar in a vaseDried Lavendar in a vase

Lavender and lavender oil have long been considered powerful in terms of helping with inducing calm, better sleep and overall mental health. Fresh lavender is delightful in any home, but you can reap the benefits for several months if you dry them, since the scent doesn’t immediately dissipate.

Arrange fresh lavender in a pretty jar or vase, and let it dry naturally to enjoy for months to come.

3. Hang eucalyptus

Eucalyptus plants hanging on wallEucalyptus plants hanging on wall

Similar to lavender, eucalyptus comes with its own host of health and wellness benefits. From warding off mosquitos to reducing some pains, eucalyptus does more than just smell great in your home.

Hang some in your shower to enjoy some zen time or weave eucalyptus boughs into a frame to enjoy its dried scent as wall décor, too.

4. DIY lemon (or lime) wheels

Table full of citrus wedgesTable full of citrus wedges

In only a couple of steps, you’ll have an easy DIY air freshener.

  1. Thinly slicing any type of citrus fruit
  2. Bake the fruit slices at 200 degrees until they’re dry to the touch (usually a couple of hours for smaller fruits like lemons and limes and approximately four hours for larger ones like oranges and grapefruits)
  3. Place them anywhere in your home to freshen up your space

You can also grind them using a coffee grinder or spice mill to produce powder and make salt and sugar scrubs.

5. Citrus spray air freshener

DIY cleaning spray made with lemonsDIY cleaning spray made with lemons

If you prefer to use a spray air freshener or to wipe down spills or clean surfaces, this citrus spray air freshener is both eco-friendly and easy to make. Bonus is that the fresh scent lingers well past the time you wash up your space.

All you need is vinegar, citrus fruit like lemon, lime or orange (pick your fragrance preference) and a jar. It does take a couple of weeks to make this green cleaning product, but it’s well worth having it on hand whenever you need it.

6. Essential oils as deodorizers

Row of essential oilsRow of essential oils

Essential oils smell great, come packed with a host of medicinal benefits and can work in both small or large spaces as an air freshener. Experiment with how many drops you’ll need or want, since some people prefer a light fragrance, while others prefer something heavier.

A good rule of thumb is to fill a wide-mouthed Mason jar with eight to 12 drops of your favorite essential oil for smaller spaces and a half cup of baking soda (that’s it). Bigger spaces will require more drops but, again, you can choose how many based on your aromatic preference.

7. Stovetop potpourri

Pitcher of fresh cinammon sticksPitcher of fresh cinammon sticks

Sometimes an air freshener is just minutes away, thanks to your pantry. Fill a stockpot with water and throw in some cinnamon sticks, whole star anise and cloves for a delightful licorice scent once the water begins to boil.

If licorice isn’t your scent style, cinnamon sticks on their own will make your home smell like you have cinnamon rolls baking in the oven.

Another way to get a sweet smell wafting throughout your apartment is with a few drops of vanilla or almond extract in a simmering pot. For spring, consider adding lemons, fresh thyme or lavender to the pot for a more a springtime air freshening scent. Experiment with scents you love to create your own signature stovetop potpourri recipe.

Keeping it fresh and affordable with a DIY air freshener

With these DIY air freshener ideas, you can keep your place smelling naturally fresh without having to break the bank.

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Source: apartmentguide.com

The Best Places to Live in Colorado in 2021

Denver is already a well-known destination city for mountain lovers and city dwellers alike. But it isn’t the only place people are flocking to in Colorado.

Fresh mountain air, unparalleled scenery and friendly faces are abundant across The Centennial State. The best places to live in Colorado are distinct enough that, no matter what you’re looking for, you could find a place to call home.

Below is the list of the top ten best cities in Colorado:

Blue skies over Aurora, CO.

  • Population: 356,455
  • Average age: 38.9
  • Median household income: $65,100
  • Average commute time: 35.5 minutes
  • Walk score: 47
  • Studio average rent: $1,342
  • One-bedroom average rent: $1,472
  • Two-bedroom average rent: $1,734

If you love Denver but hate the rent prices, you may not need to read any further down the list. No longer is Aurora Denver’s up-and-coming little sister; Aurora is here.

The so-called Gateway to the Rockies is less famed as a place to live, but it’s appealing in its own right. Aurora is the third most populous city in Colorado, but to locals, it’s an eastern suburb of Denver that no longer feels so suburban.

Don’t miss Cherry Creek State Park, an ideal spot for biking that offers some much-coveted shoreline in this landlocked state in the form of the Cherry Creek Reservoir.

You’ll also find Stanley Marketplace, a dazzling new shopping and food mecca built into a formerly deserted airport facility.

Mountains in Boulder, CO, one of the best places to live in colorado

  • Population: 105,115
  • Average age: 38.5
  • Median household income: $69,520
  • Average commute time: 23.7 minutes
  • Walk score: 63
  • Studio average rent: $1,953
  • One-bedroom average rent: $2,174
  • Two-bedroom average rent: $2,485

Boulder is about as picturesque of a college town as they come. Just 30 minutes northwest of Denver, this is the home of the University of Colorado and some of the best food you can find in the state.

It’s a tight-knit little community, and you’ll find excellent education, an abundance of arts and culture, an incredibly bikeable city layout and a surprising amount of traffic despite the low commute times.

The U.S. News & World Report recently named Boulder number one on its list of best places in America to live thanks to the gorgeous Chautauqua Mountain backdrop and focus on wellness. It’s also been called the happiest place to live by National Geographic.

The hippy state of mind has grown on a lot of people drawn to this hamlet. You can’t go wrong living in Boulder, as long as you can afford the high rent prices.

Downtown Colorado Springs.

  • Population: 445,686
  • Average age: 40.5
  • Median household income: $64,712
  • Average commute time: 26.4 minutes
  • Walk score: 37
  • Studio average rent: $1,044
  • One-bedroom average rent: $1,241
  • Two-bedroom average rent: $1,499

Even higher than the Mile High City, Colorado Springs sits at the base of Pikes Peak, and the mountain views are hard to escape here. Colorado Springs has plenty of city offerings but a slightly slower pace and lower price point than Denver.

Garden of the Gods Park remains startlingly attractive no matter how many times you visit. However, this city isn’t ideal for anyone who prefers to live somewhere that’s very walkable or bikeable; you will want a car to get from A to B.

Colorado Springs’ quirky next-door neighbor, Manitou Springs, is a fun weekend getaway full of mineral springs, advanced hiking trails and Anasazi cliff dwellings.

Plus, Denver is around an hour away if you aren’t traveling during peak traffic times.

Downtown Denver, CO, one of the best places to live in colorado

  • Population: 677,202
  • Average age: 40.3
  • Median household income: $68,592
  • Average commute time: 30.8 minutes
  • Walk score: 71
  • Studio average rent: $1,644
  • One-bedroom average rent: $1,877
  • Two-bedroom average rent: $2,548

Denver is a renowned destination because it has just about everything — entertainment, nightlife, arts and culture to spare. The city consistently ranks as one of the best and healthiest places to live, and the quality of life here is bar-none. It also ranks as the most walkable city on this list.

Good-looking yet still humble, the Colorado capital boasts loads of outdoor activities within the city limits, but the day trips are impressive as well. Plus, it has all the major sports teams, competitive colleges, world-class museums and mountains for those who want to scale them or prefer to spectate.

Denver is a mecca for tech, healthcare and aerospace companies alike, which is a huge draw for young professionals and entrepreneurs.

This well-loved city is a bit pricey due to its popularity, so make sure you pick the neighborhood that ticks all your boxes.

Aerial view of Fort Collins, CO.

  • Population: 158,143
  • Average age: 37.9
  • Median household income: $65,866
  • Average commute time: 24.4 minutes
  • Walk score: 42
  • Studio average rent: $1,188
  • One-bedroom average rent: $1,430
  • Two-bedroom average rent: $1,691

An hour north of Denver is another college town: Fort Collins.

This town has a more rural and Old West feel than Denver or Boulder, and it’s often called the Craft Beer Capital of Colorado. While the views spotlight more foothills than in-your-face mountains, it is heavy on the western charm.

Ski resorts aren’t in close proximity, but Fort Collins is better suited for lacing up your boots and going for a horseback ride.

The Horsetooth Reservoir is one of Colorado’s most Instagrammable places, and the Cache la Poudre River Canyon isn’t far behind.

The city is a popular place for families and college students, where excellent schools and relatively quick commute times collide.

Grand Junction, CO, one of the best places to live in colorado

  • Population: 60,402
  • Average age: 42.7
  • Median household income: $52,504
  • Average commute time: 21.3 minutes
  • Walk score: 49
  • Studio average rent: N/A
  • One-bedroom average rent: N/A
  • Two-bedroom average rent: N/A

On the western slope, you’ll find Grand Junction, a smaller city teeming with nearby wineries, hiking and biking trails and respite from the Denver crowds.

The city is home to the Colorado National Monument and Grand Mesa, the world’s largest flat-topped mountain.

This small town has mild winters, too, compared to the rest of Colorado. If you’re into skiing or snowboarding, Powderhorn Mountain Resort is less than an hour away.

What it lacks in mountain views, it makes up for with competitive pricing and expansive outdoor recreation. Plan on much more affordable rent prices than the bigger cities, with jealousy-inspiring day trips to places like Moab, Ouray and Telluride.

Aerial over Lakewood, CO.

  • Population: 151,835
  • Average age: 43.7
  • Median household income: $66,740
  • Average commute time: 32.1 minutes
  • Walk score: 51
  • Studio average rent: $1,342
  • One-bedroom average rent: $1,453
  • Two-bedroom average rent: $1,750

Another idyllic suburb is Lakewood, just a few miles west of Denver. With popular concert venues like Red Rocks Amphitheatre and the scenic town of Golden nearby, Lakewood offers a lot to love with quick access to Colorado’s capital.

Downtown Lakewood is home to Belmar, a quaint shopping and entertainment hub focusing on arts and kid-friendly appeal.

The Lakewood stop on the light rail will get you to Union Station in just under twenty minutes, making the commute tolerable.

The city is an ideal spot for families, affording a break in rental prices for the budget-conscious and ample outdoor activities for the kiddos.

Littleton, CO, one of the best places to live in colorado

  • Population: 45,740
  • Average age: 45.4
  • Median household income: $76,015
  • Average commute time: 30.8 minutes
  • Walk score: 47
  • Studio average rent: N/A
  • One-bedroom average rent: $1,707
  • Two-bedroom average rent: $2,174

Just south of Denver is Littleton, a cute suburb with tree-lined roads and unfettered mountain views that offers quiet parks and natural spaces.

The schools here are even more competitive than those in Denver or Lakewood, making this suburb a popular place for families. It’s also one of the safer cities in Colorado.

Hudson Gardens hosts summer concerts, beer festivals and countless outdoor weddings.

Plan on a bit of a commute if you are working in Denver, but the light rail stop in the heart of Littleton makes traffic less of a headache. Plus, the more affordable rent prices may make up for your time spent on the road.

Loveland, CO.

  • Population: 73,199
  • Average age: 44.7
  • Median household income: $68,592
  • Average commute time: 30.4 minutes
  • Walk score: 38
  • Studio average rent: $1,250.95
  • One-bedroom average rent: $1,487
  • Two-bedroom average rent: $1,818

Between Boulder and Fort Collins lies Loveland, a small town in northern Colorado.

Known as the Sweetheart City, Loveland is heavy on Valentine’s Day celebrations. They have an international Valentine’s re-mailing operation so that you can have your Valentine postmarked from this romantic city.

Though it’s a bit less fussy than its neighbors, Loveland has parks, quaint shops and views that tend to fall under the radar. The Loveland Fire and Ice Festival is a can’t-miss event for fans of music, fireworks and snow sculpture.

The city is an easy choice for someone who wants to live the Colorado lifestyle without paying the most devastating Colorado prices.

Pueblo, CO, one of the best places to live in colorado

  • Population: 109,273
  • Average age: 43.0
  • Median household income: $40,450
  • Average commute time: 23.7 minutes
  • Walk score: 39
  • Studio average rent: N/A
  • One-bedroom average rent: $695
  • Two-bedroom average rent: N/A

Pueblo brings a lot to the table, including a diverse community and a small-town feel. Not quite an hour south of Colorado Springs, the city provides an almost unbelievable combination of affordability and central Colorado location, ideal for large families.

Pueblo offers unparalleled access to fishing, boating and camping for those who love the great outdoors but don’t want to fend off the frenzied crowds.

If you prefer sunglasses to ski masks, Pueblo might be the perfect place for you, as it is one of the least snowy areas in Colorado.

The food and entertainment here are underrated, too. Enjoy the Pueblo Riverwalk, Lake Pueblo State Park and a plethora of family-run cafes.

Find your own best place to live in Colorado

Colorado is an attractive place to call home, whether you’re seeking all-season outdoor activities, big-city polish and amenities or a small mountain town with unpretentious people. If you’re ready to make the move, start here.

Rent prices are based on a rolling weighted average from Apartment Guide and Rent.com’s multifamily rental property inventory of one-bedroom apartments in March 2021. Our team uses a weighted average formula that more accurately represents price availability for each individual unit type and reduces the influence of seasonality on rent prices in specific markets.
Other demographic data comes from the U.S. Census Bureau.
The rent information included in this article is used for illustrative purposes only. The data contained herein do not constitute financial advice or a pricing guarantee for any apartment.

Source: rent.com

The Far-Reaching Effects of Sleep Deprivation

Most Americans would agree that a good night’s rest is essential to leading a healthy and happy life, but how many Americans are actually getting the recommended amount of sleep? Research suggests that the average American should ideally fit in seven to nine hours of sleep per night. This is a long-standing, and widely accepted, rule. However, actually adhering to this rule is another matter.

A recent Gallup survey shows that the average American only gets 6.8 hours of sleep per night, and that 40 percent of Americans fit in six hours or less, suggesting that many Americans are sleep deprived. So, what’s causing Americans to miss out on their sleep?

We polled over 1,000 Americans to see what issues keep them up at night, and found that:

  • 1 in 3 lose sleep over work-related stress.
  • Another 24 percent lose sleep over finances.

So, how do bad sleeping habits affect you? Over time, insufficient sleep has negative consequences on areas like work performance and annual earnings — the very same issues 55 percent of Americans lose the most sleep over. Below we break down the cost of this lack of sleep and just how much it’s costing employers.

Lack of sleep is now considered a public health issue. According to research from RAND Corporation, insufficient sleep causes the U.S. to lose about 1.3 million working days a year. This costs employers on average $2,280 per employee, and the productivity losses as a result cost the U.S economy 2.3% of its GDP.

On a personal level, sleep deprivation has detrimental long-term effects on health, well-being, and productivity. Insufficient sleep increases the risk of diseases, such as high blood pressure, heart disease, obesity, and diabetes, and hinders workplace performance.

What Employers Can Do to Reduce Work-Related Stress

The cyclical relationship between insufficient sleep and work-related stress only perpetuates the issue for both Americans and their employers. To help American workers break the cycle, employers should consider how they can reduce work-related stress.

One of the best methods for reducing work-related stress is to offer employees more job benefits that relieve stress. This could mean allowing employees to have more annual vacation time, providing monthly lunches on the company’s dime, or offering wellness programs that help employees lead a healthier life outside of work.

Another option is to establish mentorship programs where experienced team members, such as managers or seniors, coach newer employees. Investing in these initiatives creates a company culture that employees are proud of, and helps them associate the workplace with positivity and personal development rather than stress.

Sources: RAND | CNBC, 2 | ProjectTimeOff | Time | Payscale | Investopedia | RisePeople | GetBridge | Octanner | Deloitte | TinyPulse | Zenefits

Source: lexingtonlaw.com

Rocker David Coverdale Close to Recording a Sale of His Tahoe-Area Home

After two years and multiple price cuts, the Rock and Roll Hall of Famer David Coverdale appears to be close to selling his rock star home. The Lake Tahoe-area getaway is in contingent status, and was last priced at a heavily discounted $6.8 million.

The longtime resident of Incline Village, NV, purchased the property in 1988 for $923,077, according to realtor.com® records, and added plenty of rockin’ touches.

As we reported, the musician initially listed the home in 2019 for $9.85 million. But a year later, with no takers, Coverdale significantly cut the price to $7.65 million. Months later, the price dropped again, to $7.2 million. Last month, the Whitesnake frontman was singing a new tune, and the price on the gated estate was $6.8 million.

That price tag of under $7 million seems to have finally attracted a buyer. Even with the discount, Coverdale stands to pocket a hefty profit on his longtime home.

Of course, the world has drastically changed in the last two years. Perhaps the value of privacy, space, and entertainment options under one roof found new appeal.

“Everything you need to shelter in place,” the listing reads, noting that the property spans over 1 acre and is bordered by Forest Service land, “with few neighbors.”

The home was built in 1988, and its layout of more than 9,000 square feet includes four bedrooms, 6.5 bathrooms, and walls of glass.

Multiple decks wrapping around the home offer plenty of indoor-outdoor space to spread out. The idyllic grounds include sundecks, tranquil hideaways, and an outdoor grotto with a waterfall.

The rock star touches are eye-catching. An indoor pool is part of the wellness center in the home, which also boasts a sauna, steam, and a spa salon.

The rocker’s lounge features memorabilia, animal-print furniture, and built-in shelves for housing a music and book collection. A home theater sports similar decor.

The master bedroom is a sublime space, with walls of glass, views, and a hot tub. 

For a family that likes to hang out at home, the layout features a master suite on the entry level, as well as flexible space for guest suites or offices with bathrooms on the middle floor. Media and entertainment rooms are on the lower level.

The double-height great room features walls of glass and a fireplace, and adjoins a formal dining area. The dual-island kitchen features a breakfast bar and granite and marble counters.

Along with the rocker lounge, the home includes a bar, library, home theater, and an outdoor lounge area featuring a fire pit and grotto.

Known as the lead singer for Deep Purple, the English-born musician, who is 69, went on to found the band Whitesnake in 1978. Whitesnake is best-known for its chart-topping power ballad “Here I Go Again.” In 2016, the musician was inducted into the Rock and Roll Hall of Fame as a member of Deep Purple.

Kerry Donovan, Megan Parr Warren, and Debbie Hansen with Donovan Group Luxury with Chase International- Incline Village held the listing.

Source: realtor.com

Best Apps To Use When You Don’t Want To Leave Your Apartment

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You’ve worked hard to turn your rental into your happy place.  You finally have things decorated just the way you want them, you spend and arm and a leg for this great space and maybe you have the place to yourself for a few days… it’s easy to understand why you would want to banish your pants and hibernate in your apartment for the weekend!  With absolutely no judgement and a little selfless testing, here are the best apps to use when you don’t want to leave your apartment.

Food and Drink

Best Apps To Use When You Don't Want To Leave Your Apartment

Best Apps To Use When You Don't Want To Leave Your Apartment

Drizly

Ever been stuck having to figure out how to get two cases of beer or wine home by yourself? With no car? Whether you’re entertaining for a crowd or just want to stock up on the essentials, Drizly delivers from your local liquor store to your door.

Plated

If you love to cook but don’t love meal planning, grocery shopping and wasting produce, then Plated is the way to go.  They make weekly deliveries of fresh, pre-portioned ingredients and step-by-step recipe cards to follow to whip up a gourmet meal in your own kitchen. Skip a week and choose which meals you’d like for an extra customized experience.

Postmates

This is one that we’ve truly tested out ourselves and have fallen in love with!  Postmates might arrive on bike or motorcycle or in a car, and they’ll deliver everything from take-out from your favorite non-delivery restaurant to your basics from the local drugstore.

Chores/Errands

Best Apps To Use When You Don't Want To Leave Your Apartment | Dog Walker App

Best Apps To Use When You Don't Want To Leave Your Apartment | Dog Walker App

Handy

Cleaning sucks.  Handy offers super affordable and dependable home cleaning services at the click of a button.  Even the laziest among us can handle that!

Washio

Whether you want to schedule regular pick-ups or just need help in a pinch, what could be better than someone picking up your dirty clothes and dropping off clean ones?  Washio will do just that, and usually with 24 hours.

FlyCleaner

Just have a pesky piece or two of dry-cleaning still sitting in your closet?  Forgot to drop-off that shirt that you need for tomorrow? FlyCleaner can pick up, launder and drop off your clothes in as little as 21 minutes!  This app is only available in NYC at the moment, but we have a feeling they’ll be growing quickly.

Fountain

Looking for expert advice without the cost of a home visit?  Fountain makes it east to get your questions answered through text, video call or even by sending a mocked-up photo with circles and arrows with an average response time of under 2 minutes.

Wag

This on-demand dog-walking service is meant to be used when you can’t be home to walk them yourself, but who says you can’t stay home in your jammies while someone else does the work?  This app is available in San Francisco, Los Angeles and NYC.

Task Rabbit

Feeling overwhelmed by adulthood?  If you’ve got too much on your plate or just have the cash to pay other people to be an adult for you (jealous!) then use Task Rabbit to hire professionals for everything from assembling furniture to organizing a closet…you can even pay someone to stand in line for you (think DMV or concert ticket line)!

Shyp

If you’re anything like us, getting to the post office is always to last thing we want tackle on our to-do list.  Shyp makes it possible to have someone pick up, package and ship your items for you.  While it may seem like a luxury, Shyp compares costs for you to make sure you’re getting the absolute lowest shipping rate.  Bonus: they also offer $5 flat-rate return shipping when returning to one of their select retailers.  This app is only available in San Francisco, New York, Miami, and Los Angeles for the time being but you can sign up to be alerted when it makes its way to your city.

Ready to find your next apartment?

Fitness

Best Apps To Use When You Don't Want To Leave Your Apartment | Fitness Apps

Best Apps To Use When You Don't Want To Leave Your Apartment | Fitness Apps

Sworkit

If you’re not feeling lazy but simply aren’t interested in interacting with humans or paying for a session, Sworkit brings the personal trainer to you!  You can customize everything from a quick stretch to a “rump roaster” session.  The app is free but upgrading to pro offers even further customization.

Pocket Yoga

If you’re anything like us, you like to check your poses out in a private mirror before subjecting a whole yoga studio to them.  Pocket Yoga is like having a one-on-one session with a yogi to help perfect your moves, all in the comfort of your own apartment.

Wellness

Best Apps To Use When You Don't Want To Leave Your Apartment | Wellness Apps

Best Apps To Use When You Don't Want To Leave Your Apartment | Wellness Apps

Soothe

Have you ever experienced the bliss of an in-spa massage only to have to venture back out and face the real world when it’s all over?  Have the spa come to you with Soothe’s in-home services, starting at $99/60 minutes (gratuity included) and book up to an hour in advance!

Pager

So maybe you actually can’t leave home because you’re feeling under the weather?  Pager brings back the house call with their on-demand doctors and gets you the attention you need within 2 hours.  This app is currently available in San Francisco and NYC.

Are there any apps that we missed (we’re asking for a friend, of course…)?  Let us know and we’ll add them to the list!

Amazon and the Amazon logo are trademarks of Amazon.com, Inc, or its affiliates.

Source: blog.apartminty.com

Best Plants For Your Indoor Vegetable Garden

As an Amazon Associate I earn from qualifying purchases.

Best Plants For Your Indoor Vegetable Garden | Herb Garden

Apartment living comes with a unique set of advantages as well as some possible downfalls.  Often, renter’s can feel short on space, making it difficult to experience the joys of home ownership.  One such joy includes being able to tend to your very own garden, harvesting vegetables and herbs to enjoy at home.  If your apartment lacks outdoor space, fear not!  There are plenty of plants that, with a little love and care, can thrive indoors.  Here are our top picks for what to grow in your indoor vegetable garden.

Amazon and the Amazon logo are trademarks of Amazon.com, Inc, or its affiliates.

Source: blog.apartminty.com

How to Care for a Loved One Without Breaking the Bank: The Complete Guide

Taking care of aging parents is an inevitable part of life, and it’s not always easy. We watch the people who raised us slowly slip away, and we want to do everything in our power to give them the best care we can.

While it may be challenging to watch your loved one age, there are luckily tons of resources available to help make the transition into long-term care as simple as possible. This guide will provide you with the tips and information you need to help make a decision on what kind of care is best for your family, options to help you afford that care and how to take care of yourself throughout the process.

Table of Contents:

How to Begin the Conversation

One of the most challenging parts of planning for senior and long-term care (LTC) for your loved ones is simply knowing how to approach the subject. Many times, children must start this difficult conversation with their parents, and the role reversal can be intimidating. While the intention may be pure and you’re just looking out for your loved one, you never know how they’ll react. They might feel thankful for your concern, or they might feel attacked and that their independence is being taken away. But with almost three quarters of the U.S. population needing some type of LTC, it’s likely that you’ll eventually have to have the conversation. Luckily, there are steps you can take to make sure that it’s positive and effective.

Prepare in Advance

Before you sit down with your loved one to have a conversation about long-term care, it’s important that you do your due diligence. By doing some homework and understanding the basics of long-term care, you can lead the conversation and hopefully answer questions that your loved one may have about their options. This also provides you the opportunity to see what long-term care options are available locally and the benefits they offer. It’s also suggested to prepare talking points or questions ahead of time — this is especially helpful if the conversation becomes emotional.

Include Any Necessary Family Members

Planning care for a loved one can be an emotional experience, but you shouldn’t have to do it alone. If you have siblings, be sure to bring them into the conversation. What each of you envision as the best option for your parents or loved ones may vary, so it’s vital that everyone is on the same page prior to having the larger conversation.

Start Your Discussions Early

While it’s hard to think about long-term or end-of-life care for our loved ones, it’s important to begin discussions early. There are many factors to consider when it comes to long-term care, and you may not come to a resolution the first time around. By starting your discussions now, you can revisit all your options without feeling rushed to come to an agreement. This will also allow you to find unparalleled care and provide the best quality of life for your loved one.

Let Your Loved One Be Part of the Decision Making Process

One of the most common concerns for seniors when it comes to long-term care services is losing their independence. To help honor your loved one during this time of transition, it’s vital that this conversation is a two-way street. This allows them to share their opinion on what might be right for them and helps everyone be on the same page.

Budgeting & Saving for Long-Term Care

Everyone wants the best for their loved one. But sometimes, the best care comes with a hefty price tag. End-of-life and long-term care options can be an expensive, and wind up putting the caregiver in debt and under pressure. It’s important to know what options fit your budget, and where you might be eligible to receive benefits or financial aid.

Plan Ahead and Set a Budget

No one wants to think ahead to needing long-term care and support. But if planning continues to get pushed aside, your loved one could be in need of care before you’ve had an opportunity to consider the options. Worse than that, you may have fewer care options, and that could put a dent in your savings. The cost of long-term care is higher than many think — the average cost of a private nursing home room can run you more than $100,000 annually.

Your parents likely saved money their entire lives for big things like your education, and all the small things like clothes and supplies. You can do the same for them and save money for their eventual LTC. By planning far in advance for LTC, you can start putting small amounts of money away without sacrificing your regular spending habits. Using budgeting software can help you determine how much to set aside or save to pay for long-term care, while also staying on track with your other expenses.

Veterans’ Benefits

The Veterans Administration (VA) has a pension benefit that both veterans and their surviving spouses may be eligible for. The benefit is called Aid and Attendance, and is highly underutilized by veterans. Only five percent of these assistance funds are even applied for, meaning there are many qualified people who could be receiving financial assistance. The funds from Aid and Attendance are tax-free and can be used for a variety of long-term care costs, including in-home care, assisted living communities and even some nursing homes. If your loved one has served in the military, urge them to look into whether or not they are eligible to receive these benefits. It could save you a ton of money!

Long-Term Care Living Options

Often when people think of long-term care options, their minds immediately go to dim and depressing homes. Fortunately, there are many different facilities available that can accommodate all health and wellness needs for seniors. Whether your loved one prefers to stay in the comfort of their own home, or if they need more assistance at a live-in facility, we’ve outlined some of the most popular long-term care options.

In-Home Care

In-home care or private caregiving is a highly popular option that allows a person to stay in their own home or a family member’s home comfortably. This will usually involve non-medical care or assistance, such as bathing and dressing, basic house chores, and ensuring that medication is taken properly.

Assisted Living Facilities

An assisted living facility is a great option for a loved one who still want to maintain their independence and can care for themselves, but might need an extra hand. It is similar to in-home care, only the care takes place in a designated community or facility. Assisted living facilities are not for individuals who need intensive medical care. However, there is staff to help with medication reminders and basic health care monitoring.

Adult Day Care Health Centers

While not one of the most popular or well-known options for care, adult day care centers are an excellent option for caretakers, including in-home caretakers, who still have to work a 9–5 job. These facilities provide a safe setting during daytime hours, and many often have specialized services and activities on-site as well. From physical therapy, health care services and social engagement events, adult day care health centers offer a variety of benefits for your loved one.

Nursing Homes

If your loved one has fallen ill and needs extensive medical care, a nursing home may be the right option. It is the in-between for people who don’t need to be in hospital care, but can no longer be cared for at home. The type of nursing home will vary, and you’ll find that some are set up similarly to a hospital, whereas some feel more like an assisted living facility.

Nursing homes will have aides or nurses on-hand 24 hours a day who can help with custodial care such as bathing, dressing, and eating, as well as skilled care which includes medical monitoring and administering treatments.

Retirement Community

Also known as active-adult communities, a retirement community is a great option for your loved one who still wants to maintain their sense of freedom and independence. These residences allow seniors to continue living their lives, but with a few added benefits. Retirement communities offer amenities such as housekeeping, 24-hour security, laundry services, transportation to errands and appointments, and so much more. These residences are perfect for seniors who are still able to take care of themselves, and provide peace of mind for their families.

Long-Term Care Insurance

While long-term care is a necessary part of aging, many people don’t prepare for the financial burden that comes with it. Federal data shows that 15% of people who require some form of long-term care pay more than $250,000 out of pocket, and that amount is not realistic for most Americans. Purchasing LTC insurance is one way to prepare for the costs that come with senior services that are not covered by your regular health care provider.

Why to Consider LTC Insurance

Since most regular health insurance does not cover long-term care, LTC insurance is something to consider to help pay for the costs. It’s important to urge your loved ones to begin shopping for different policies early to find the best fit for their situation, but don’t wait until they need coverage. This could help alleviate the financial pressure down the road. Medicare will cover a minimal amount of long-term services and care — typically up to 100 days in a nursing home if your loved one requires rehabilitative care.

Qualifying for LTC Insurance

In order to be eligible for long-term care insurance, you must be in good health at the time of application. It is highly likely that insurance companies will deny you for LTC insurance if you already require some form of long-term care, or if you require assistance with daily living activities. In addition to being in good health, it’s recommended to purchase a policy at about 60 years old, though you may be as young as 40. There are also pre-existing conditions that may disqualify you from LTC insurance, including but not limited to Alzheimer’s, dementia, and muscular dystrophy.

Costs and Benefits

Like other insurance, long-term care insurance is underwritten by insurance companies, and the premiums you pay will depend on a variety of factors. It definitely pays to shop around and get various quotes, as the same policy could change by about $1000 or more based on the company. Despite the cost of premiums, LTC insurance provides a safety net and will likely be minimal compared to what you would pay out of pocket for care and services.

Other Things to Consider

While your primary concern during this time of transition is ensuring your loved one is taken care of, it’s important to think about yourself as well. Setting someone up with long-term care affects everyone involved, but it’s easy to get wrapped up with only worrying about them. Here are a few things to consider for yourself when planning long-term care for a loved one.

Think About Your Own Needs and Abilities

Providing someone with long-term care can be stressful, and it’s highly unlikely that it’s the only stressor in your life. For many people, it’s unrealistic that they can commit their entire life to providing care, and they will likely have to carry on with daily tasks such as work, errands, and personal care. Be cognizant of your personal health and wellbeing during this time of transition, as many caregivers tend to put themselves last. According to the Family Caregiver Alliance in San Francisco, more caregivers are hospitalized due to burnout and stress-related illnesses than other medical conditions.

Emotional Support for Yourself and Others Involved

When you make the decision to move your loved one into a long-term care facility, it’s an act of love and respect for their well-being. As we’ve discussed, it’s certainly not an easy decision to make, and can be an emotional time for a family. Much like any life-changing event, people will react in different ways and likely feel a variety of emotions. Make yourself available to others as a shoulder to lean on, and consider professional help if you begin to feel too overwhelmed. There are many support groups and community resources that can help with emotional fatigue and stress.

The sooner you begin to educate yourself and learn what options are available for your loved one, the sooner you can start preparing for this life transition. Long-term care is something that a majority of Americans will need in some capacity during their lifetime, and yet so many people choose to ignore the issue until it is too late. There are many care options available, and you can encourage your loved one by letting them know this is not a loss of their independence — this is just the next chapter of their life.

Additional Resources

Sources

Paying for Senior Care | Reverse Mortgage Alert | Lifehacker | Morningstar | Starlight Caregivers | Forbes | Healthday

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