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NFTs or non-fungible tokens have gained a lot of momentum in the last few months. Whether it’s because of the digital art, the technology behind them, the money-making potential, or a simple case of FOMO, people can’t get enough of them.

Each day, we wake up to stories of artists and celebrities buying and selling NFTs for insane amounts. Case and point? Eminem recently shelled out 123.45 Ethereum (currently worth over $400K) for a Bored Ape NFT — and that’s not even the most expensive one in the market.

Eminape NFT; Source: The Guardian

As someone who’s crawling herself out of student debt and on a budget, paying six figures for a digital asset is simply out of the question.

But are all NFTs that expensive? Or is there a way to start small?

I talked to NFT trader investor, consultant, advisor, and founder Ish Verduzco to find out, and, to my surprise, his answers were very promising.

What’s Ahead:

Do you have to be rich to invest in NFTs?

Last March, digital artist Mike Winkelmann, better known as “Beeple,” made headlines when an NFT of his work was sold for a record-breaking $69 million.

Then, we saw Snoop Dogg and Grimes buying and selling NFTs for six and seven figures, while Paris Hilton joined forces with Bill Ackman to back a $300 million NFT Foundation.

With figures like that, it’s easy to think that NFTs are some sort of exclusive investment that only the rich can afford. However, that couldn’t be further from the truth — at least that’s what both Verduzco and the data say. Verduzco says:

“Yes, there is some level of barrier to entry at the moment. But I wouldn’t say that they’re for the ultra-rich either…I think there’s an opportunity to get in.”

What makes NFTs more expensive than your average investment is that most of them are minted through smart contracts that live in the Ethereum blockchain, which Verduzco says is one of the most expensive ones, partly due to the gas fees.

Gas fees are basically the transaction fees of the Ethereum network. These fees are non-refundable, and must be charged to cover the costs of the energy used by the computers when validating and recording each NFT transaction. Verduzco says:

“To give you a very quick overview, it can cost like $50 to a few $100 just to transact, plus the cost of the NFT itself.”

So, how much money do you need to start investing in NFTs?

A recent study by Canadian concept artist Kimberly Parker, which analyzed public API data from sales on popular NFT marketplaces, like OpenSea, Nifty Gateway, Rarible, SuperRare, and MakersPlace, found that most NFTs are actually sold for under $200.

That’s right, you don’t need six figures — not even four figures, to own an NFT.

Verduzco says that a good amount to get started would be $500, which isn’t outrageous. After all, popular investment firms, like Wealthfront and E*TRADE, require minimum deposits of that same amount for you to start investing in their automated portfolios. 

Read more: What Is An NFT? – How Nyan Cat Was Sold For $600,000

Why now may be a good time to get into NFTs

Many crypto and NFT experts — Verduzco included, think that the blockchain and smart contract technology behind NFTs will spread like wildfire across multiple industries, changing the world as we know it.

“It’s going to be integrated into almost everything we do,” Verduzco says.

“It’s not just going to be just art, it’s going to go into music, it’s going to go into film, it’s going to go into transacting things like deeds to houses, and anything that has to do with verification of ownership.”

Here’s a quick example of how this could work:

When you’re buying a house, the bank needs to make sure that the title is free and clear before closing on the loan. This process alone can take two weeks, and you’ll have to pay additional fees to the third-party company conducting the search.

But if the house was registered and sold as an NFT, for example, each transaction pertaining to that property would’ve been accounted for and recorded in the blockchain. So, clearing the title would only take a couple of hours instead of weeks, and you’d be able to get rid of the middleman and unnecessary fees.

Although the concept of NFTs is still in its early stages, Verduzco says that “​​it’s better to be ahead,” and — if possible — invest in it, so you learn the inner workings firsthand.

This will allow you “to spot more opportunities to make money, or find other people that are in this space who compliment your strengths and weaknesses in order to build projects based on needs.”

How to start investing in NFTs when you’re on a budget

As part of my convo with Verduzco, we bounced off some ideas on how you can get into the NFT game without breaking the bank. These are a few of them.

Read more: How To Create And Sell NFTs – The New Way To Sell Your Art

Explore NFT projects that use cheaper cryptocurrencies

If you visit OpenSea, which is currently the world’s largest NFT market, you’ll see that the vast majority of NFTs listed there use the Ethereum network (aka the most expensive NFT blockchain).

But just because most NFTs use this blockchain, that doesn’t mean that there aren’t other options. 

Blockchains like Solana and Polygon (which was created as an efficient solution to the Ethereum network and is compatible with it) use cryptocurrencies that are much cheaper than ether, which is Ethereum’s currency.

Here’s an example:

At the moment this article was written, one SOL, which is Solana’s cryptocurrency, was worth $0.26, while one MATIC, which is Polygon’s cryptocurrency, was worth $2.13. But, if you wanted to purchase one ether, which is Ethereum’s cryptocurrency, you’d need $3,121.93 to do so.

So, yeah, there’s a huge difference there.

These alternative blockchains are also rising in popularity. JPMorgan recently released a report in which it states that the Ethereum blockchain is losing a chunk of its market share to Solana, as the blockchain is less congested (aka faster) and cheaper to invest in than Ethereum.

If you’re interested in buying NFT projects that use the Solana network, you can check out marketplaces like Solsea and Solanart, to find them.

When it comes to projects that use Polygon, you can find them just by visiting OpenSea. To see all the NFTs you can place bids on or buy using this network, simply click on the “Chains” option on the left panel, and select “Polygon.”

Mint a project

When you mint a project, you’re basically investing in it before it actually goes live. So, you could think of it as the Kickstarter of an NFT project. Verduzco says:

“The initial mint is usually like 0.05 Ethereum, which is a relatively small amount. If you happen to make it in that initial mint, then you pay only 0.05 Ethereum, versus if the project goes up in value, and then it costs 0.7, or much higher.”

One good example of an NFT project that is currently in its minting phase, and that I happen to like a lot is the Lucky Goat. You can currently mint this project for 0.0777 Ethereum ($243.43). 

Source: luckygoat.org

What has me rooting for the Lucky Goat (besides the art, of course) is that they donate some of their profits to Heifer International, which is a nonprofit whose mission is to help eradicate hunger and poverty.

So, how do you find projects to mint?

  • Twitter. If you enter “#mint” or “#NFT” on Twitter’s search bar, you’ll find countless threads of founders and artists sharing their upcoming NFT projects.
  • Discord. In case you don’t know what Discord is, it is a group-chatting app, where users join servers (aka private groups) to chat about a specific topic. Many NFT founders use this app to talk about their upcoming NFT projects, to get both support and feedback from users.
  • rarity.tools. Although this website is mostly used by NFT traders to vet projects and find rankings based on their rarity or unique traits, it also has an Upcoming NFT Sales section, where you can check projects to mint. 
  • OpenSea’s homepage. They often share new mints, and you can easily browse through their huge NFT market.

But be careful…

Before minting a project, Verduzo says it’s super important to ensure its legitimacy, so you don’t get rugged (NFT lingo for “scammed”). Sadly, just like in any space, there are always bad players that are just there to do a quick cash grab and disappear.

To avoid this, make sure you research the project thoroughly by finding out all you can about its community, founders, and mission, as well as how long they’ve been around in this space. 

Why?

If the project disappears into the mist, your NFT most likely will lose all its value, unless someone else decides to take over the project.

Time your purchase

Unlike the stock market, which is open for transactions Monday through Friday, from 9:30 a.m. to 4:00 p.m. ET, the NFT market is a global market that is open 24/7.

“So, it’s not just you and everybody else in the United States that you’re transacting with, it’s everybody in the entire world who has access to the Internet,” Verduzco says.

And, the more people that are trying to conduct transactions on the Ethereum network, the more congested it will be, which automatically translates to higher gas fees. This will hopefully be improved once Ethereum 2.0 (also known as the consensus layer) is fully rolled out.

One way to spend less money when buying NFTs is to ensure you conduct your transactions during the time of the day when the network is less congested.

Verduzco says that 11:00 a.m. to 1:00 p.m. PST is probably the worst time of the day to buy NFTs because that’s when most people around the world are awake. He suggests timing your transactions to random hours when most people are sleeping, like 2:00 a.m. or 5:00 a.m. PST. Though not always practical, it can help save a good amount of money.

You can also track gas prices by visiting the ETH Gas Station.

Become an NFT expert

Since NFTs are still an emerging concept, Verduzco says that one way you can make money in this space, without being an investor, is by learning all you can about them.

“It doesn’t always have to be investing in an NFT collection, in order to get a return,” Verduzco says.

“Understanding everything about the NFT space and becoming very good on one specific skill set, whether it’s social media marketing, community management, creating Discords, branding, or content creation, is going to provide value because, all of a sudden, you open yourself up to many job opportunities.”

In other words, you’ll be able to profit from your NFT knowledge as this technology becomes more widespread, and companies start searching for people who know their way around this space.

Before investing in NFTs…

Make sure your finances are in order

Investing in NFTs represents a higher risk than investing in traditional stocks or bonds, as their value is determined by speculation, so it fluctuates more than with your average investment. 

Besides that, once you purchase an NFT, the transaction is final, and flipping them or reselling them could take a while. That’s why it’s so important you only invest money you have to spare, and not money you’re going to need short-term, as this could result in a financial disaster.

Learn as much as you can

“I would suggest investing your time and energy on learning before putting your money up,” Verduzco says.

“Find really cool projects that you like, and then join the Discords, listen to conversations, ask questions, watch a bunch of videos, read a bunch of blogs before you even think about putting Ethereum in your wallet to spend.”

Learning as much as you can about NFTs will give you a realistic idea of what to expect, plus determine whether you’re ready to take the plunge, or if you should wait a little longer before investing in this space.

If you’re curious about learning, you can check out podcasts, like a16z, which has extensive information on this topic, as well as reading books, like The NFT Handbook: How to Create, Sell and Buy Non-Fungible Token, to get started.

Additionally, Verduzco’s Twitter account is like a gold mine of NFT info, as he frequently shares projects, articles, and tips to help people learn more about this space.

Summary

You don’t have to be a millionaire to invest in NFTs, however, there’s a learning curve to be successful in this space.

The most important thing is to learn as much as you can about it, vet projects carefully, understand the risks associated with investing in such a volatile space, and make sure you don’t use money you’re gonna need. This will allow you to make the most out of your experience.

Featured image: mundissima/Shutterstock.com

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Source: moneyunder30.com

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Welcome to the vibrant city of Lincoln, NE. Nestled in the heart of the Midwest, this charming city has so much to offer. From its rich history to its thriving cultural scene, Lincoln is a treasure trove of fascinating discoveries. In this Redfin article, we invite you to test your knowledge as we uncover 9 fun facts about Lincoln, NE. Whether you’re a long-time resident or you’re considering buying a house in Lincoln, prepare to be amazed by the hidden gems and lesser-known tidbits that make this city truly unique. So, buckle up and join us on this exploration of Lincoln’s captivating past, present, and maybe even uncover a few surprises along the way.

Freeway on the Edge of Lincoln, Nebraska

1. Named after a presidential legacy

Lincoln, NE, takes its name from none other than Abraham Lincoln, the 16th President of the United States. The city was named in honor of this iconic leader in 1867, and its strong ties to American history lend it a sense of pride and heritage.

2. The city offers an affordable cost of living

Living in Lincoln offers the attractive benefit of an affordable cost of living. As of June 1, 2023, the cost of living in Lincoln is approximately 8% lower than the national average. This translates to significant savings for residents across various aspects of their daily lives. Utility costs, everyday expenses, and housing prices in Lincoln are also notably lower compared to national averages. For instance, the median sale price of a home in Lincoln was just $285,000 in April 2023, nearly $125,000 less than the national median sale price. 

3. Lincoln embraces the spirit of conservation and environmental stewardship

The city’s association with Arbor Day, which originated in Nebraska, showcases its commitment to tree planting and preserving green spaces. This dedication to nature is evident throughout Lincoln, with beautiful parks, gardens, and recreational areas to explore. In fact, there are over 136 parks in the city, spanning over 6,000 acres.

Welcome to Nebraska sign

4. Star City is the capital of Nebraska

As the capital of Nebraska, Lincoln offers a central location within the state. This geographical advantage ensures easy access to all parts of Nebraska, making it convenient for exploring the state’s natural wonders and attractions.

5. Home to the University of Nebraska

Lincoln is home to the prestigious University of Nebraska, an academic powerhouse renowned for its research and educational programs. The university’s presence contributes to the city’s intellectual atmosphere, offers cultural and sporting events, and provides employment opportunities.

6. Lincoln boasts a vibrant downtown

The historic Haymarket District in downtown Lincoln is a hub of activity, featuring unique shops, trendy restaurants, art galleries, and live music venues. It’s the perfect place to unwind, socialize, and experience the city’s lively atmosphere.

7. It’s a gateway to adventure

Nestled in the heart of the Midwest, the city enjoys a central position that provides unparalleled convenience when it comes to reaching other major destinations. Thanks to its proximity to Interstate 80, traveling to nearby cities and states becomes a breeze. Whether you’re planning a quick weekend getaway, visiting loved ones, or embarking on a business trip, Lincoln’s location serves as a convenient launching pad. The city also boasts a well-connected transportation infrastructure, including a regional airport with direct flights to major hubs. 

Family packing stuff for vacation into car

8. Lincoln, NE is a city that knows how to celebrate

Throughout the year, the city plays host to a diverse range of annual events that bring the community together. One such event is the Lancaster County Fair, a beloved tradition featuring thrilling rides, live entertainment, agricultural exhibits, and delicious food. Another highlight is the Abraham Lincoln Birthday Celebration, which honors the city’s namesake with historical reenactments, educational activities, and engaging presentations. Music enthusiasts eagerly anticipate Lincoln Calling, a multi-day music festival that showcases both local talent and nationally acclaimed artists across various genres.

9. The community engagement is unmatched

Lincoln’s residents take pride in their city and actively participate in local events and initiatives. The annual Lincoln Marathon showcases the community’s enthusiasm for sports and fitness, as participants from around the world join in to experience the city’s vibrant neighborhoods and receive a warm reception from the supportive locals.

Lincoln’s rich history, natural beauty, thriving cultural scene, and welcoming community make it an ideal place to call home. Whether you’re exploring the city’s parks, embracing its arts and entertainment offerings, or engaging with friendly locals, Lincoln is a good place to live.

Source: redfin.com

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Not sure what to buy for your loved ones this year? Still singing the recession blues? Consider buying nothing at all.

I didn’t buy anything on Black Friday, I didn’t buy anything today, and I won’t tomorrow. This holiday season, I won’t be going near a mall. Under our tree, there will be no plastic toys, no new clothes, and no last-minute matched set of leopard-print mugs for my sister when I panic on Christmas Eve because I have no idea what she wants. There also wont be any dipping into my savings accounts to buy gifts.

Thousands of families will be doing exactly the same thing this year as part of The Compact. The Compact has a simple premise: Everyone who signs on agrees to “buy nothing new” for one year.

Gifts for Kids

For tips on surviving a frugal holiday, I turned to the Non-Consumer Advocate, Katy Wolk-Stanley. Katy is coming into her third year on The Compact. And as a mom of two boys, she knows a thing or two about kids and holiday shopping.

“Christmas is a huge challenge for people who are trying to save money, and for people who are trying to minimize their garbage output and the low-quality stuff that comes into their family,” Katy says.

Here are her guidelines for giving to children during the holiday season:

    • Shopping is okay. Katy made it clear that “not buying new” doesn’t mean “no shopping”. She swears by Goodwill and consignment shops. Buying used, she points out, not only saves money, but it’s always a “greener” choice than buying a newly-manufactured item. Online, you can surf eBay or your local Craigslist for second-hand treasures.
    • Swapping is even better. “You could do a gift swap where people get together, bring the toys that aren’t being used, and swap,” Katy says. “You’d have to make it an evening without kids, which has its own benefits!”
    • Presentation matters. Some kids will be looking for “new” gifts under the tree, and new to them means boxes and brands. Katy suggests looking in higher-end kids’ consignment shops, where you can often find gifts still in their boxes. For kids and adults, Katy offers lots of creative wrapping ideas, like presenting movie tickets with a box of movie-theater candy. For families, try giving toddlers play silks (long pieces of colorful silk) as a gift, and then use the silks to wrap gifts each year for the kids as they grow older.
    • Santa buys second-hand, too. My kids still believe in Santa Claus. They’re expecting a pile of Stuff under that tree come Christmas morning. I ordered them a classic dollhouse from “Santa’s workshop” (read: eBay). They’ll get to spend the morning unwrapping each little piece of furniture, instead of a dozen different gifts.
    • Be creative. Last year, Katy gave each of her boys a kitten. Rather than put live kittens under the tree, she put some stuffed animals they already had under there with paper tags around their necks that said, “Please exchange me for a real kitten.”
    • Don’t be afraid. Chemicals like lead, BPA, and phthalates are common in older toys (even ones that were new last Christmas). Sharp edges and loose parts can cause accidents. A simple way to avoid these problems? Buy simple toys. Unpainted wood gifts, for example, are free of toxins regardless of their vintage. Another simple option: Don’t worry about it. You probably haven’t carefully researched every new toy that comes in the door. Today’s used toys are no more dangerous than last year’s new ones.
  • Talk to your relatives. “Just explain that you’re trying to decrease the number of gifts given to your children and talk about why you’re doing it,” Katy says. “Possibly offer some other ideas where a person can be creative and still do something special for a child that they love.” Easy for her to say. I’m a pansy when it comes to tough talks, so last year I sent mom a letter asking her to “tell Santa” what kinds of gifts would be most appreciated.

From the archives: Here’s a classic look at the four things children really want for Christmas.

Gifts for Grown-Ups

Toys, books, clothes and treats will take care of most children’s wish lists. But most of us have adults we’re expected to exchange gifts with too. From the office party to family festivities, we find ourselves shopping for friends and relatives.

Here are a few great ideas to replace the leopard-print mugs and bottles of wine you might have been handing out in past years:

    • Art. Art may technically be Stuff, but it’s a far cry from imported plastic junk. My most treasured gifts in the past year have been original art pieces by photographer Molly Tomlinson. These gifts can be surprisingly affordable. Many good-but-not-famous artists sell their work for $20 to $50 — no more than you’d spend on a Big Plastic Thing at the mall. To find good original art, go to holiday craft fairs, visit local studios, or search the listings on Etsy.
    • Time. Many people love gifts of time. You can offer to babysit, to come to their house and help with an organizing project, or to paint their dining room. Last year, my husband gave me a pretty card with a year’s worth of babysitting commitments from friends and family. I burst into tears on the spot, but I’ve been all smiles every month since when we drop our kids off and go out for an evening alone together.
    • Experiences. Movie tickets. A gift certificate to a favorite restaurant. Museum memberships. While a non-material gift may seem better suited to adults, even little kids can enjoy them. Last year, my mother presented my kids with a yearlong membership to the New England Aquarium. She took them there the day after Christmas, and they were also able to enjoy it several more times throughout the year.
    • Charity. Charities depend on holiday season donations to make their year-end numbers work. You can help them out and cross some items off your gift list in one blow by donating in a loved one’s name. Charities like Heifer International, Kiva and the Red Cross all make it fun and easy with “virtual gifts”. For example, Heifer lets you give a family in the developing world a cow on your mom’s behalf. Have a cow, Mom!
    • Fancy food. Who doesn’t love food? From baked goodies to homemade salsa, it’s hard to go wrong with tasty treats under the tree. Just be sure you know the giftee’s dietary restrictions. Anaphylactic shock is no one’s idea of a happy holiday.
    • Handcrafts. It’s a time-honored tradition to give your own handcrafts to loved ones during the holiday season. You probably don’t have time to knit sweaters for everyone on your gift list, but many lovely crafts are easy and quick. You can get your kids involved in making ornaments, ceramic handprints or other treasures for grandparents. Craft supplies themselves can get expensive, but if you have a skill like knitting you can make beautiful unique gifts.
From the archives: One of the most popular posts in GRS history features more than 30 homemade Christmas gifts you make yourself.
  • Nothing at all Do you have to exchange gifts with every adult in your family? With your coworkers? Your friends? Think carefully about who to put on your gift list, and who would be better served by a thoughtful card or a warm phone call.

Many people have probably done their shopping already, so it’s too late to change course. But there’s always next year. (Or, if you’re a last-minute shopper like J.D., there’s still this year.) And consider joining The Compact in January. You’ll have lots of company, and a whole year to work up to a non-consumer holiday in 2011.

Source: getrichslowly.org

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Learning how to manage your money is a huge part of “adulting,” but it’s not something most of us were taught in school. Luckily, TikTok is here to bring you up to speed. If you’ve been sleeping on TikTok like I have, let me fill you in. There’s an entire subgenre of TikTok dedicated to … [Read more…]

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Nestled in the heart of the Pacific Northwest, Spokane, WA, boasts a rich cultural scene, with a variety of museums that cater to diverse interests. From art enthusiasts to history buffs and science lovers, this vibrant city offers an array of museums that captivate and educate visitors. From stepping into a world of creativity and inspiration at the Northwest Museum of Arts & Culture, where art, history, and regional culture converge to uncovering where science comes alive with interactive exhibits and engaging activities at the Mobius Discovery Center, many remarkable museums are sure to fascinate and educate. 

Whether you’re looking to rent an apartment in Spokane on Redfin, purchase a home in the area, or just want to know what it’s like living in Spokane, join us as we embark on a journey through five remarkable museums in Spokane, each offering a unique and enriching experience that will leave you with a deeper appreciation for the art, history, and wonders of this vibrant city.

Downtown Spokane

1. Jundt Art Center & Museum

The Jundt Art Museum, located on the campus of Gonzaga University, showcases an impressive collection of art from various periods and styles. Established in 1995, the museum houses over 5,000 artworks, including paintings, sculptures, ceramics, photographs, and prints. The collection spans a wide range of artistic genres, from European and American masterpieces to contemporary works by renowned regional and international artists. The Jundt Art Museum also hosts temporary exhibitions that explore diverse themes and artistic movements.

2. Northwest Museum of Arts & Culture

The Northwest Museum of Arts & Culture (MAC) is a prominent cultural institution dedicated to preserving and showcasing the art, history, and culture of the Inland Northwest region. Founded in 1916, the museum houses a diverse collection of artifacts, artworks, and archival materials that span various disciplines, including fine art, Native American artifacts, regional history, and natural history. Visitors to the MAC can explore exhibitions that delve into topics such as regional heritage, indigenous cultures, contemporary art, and historical events. This is a must-visit museum in Spokane for locals and tourists alike.

A bing crosby record on a stand

3. Bing Crosby House

The Bing Crosby House is a historical residence located on the campus of Gonzaga University that was the childhood home of the legendary American singer and actor, Bing Crosby. Built in 1913, it’s a modest two-story Craftsman-style home that reflects the architectural style of the time. It provides a glimpse into Crosby’s early years and how he was raised. 

4. Mobius Discovery Center

The Mobius Discovery Center is an interactive science center that offers a hands-on learning experience with a focus on science, technology, engineering, art, and mathematics (STEAM). The center features a variety of exhibits and activities designed to engage and inspire curiosity in science and exploration. Visitors can participate in interactive displays, experiments, and educational programs that cover a wide range of scientific topics. Some exhibits include bottle rockets, electricity, and bridges and various structures. 

Source: redfin.com

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This guest post from Shelley Turner is part of the “reader stories” feature at Get Rich Slowly. Some stories contain general advice; others are examples of how a GRS reader achieved financial success — or failure. These stories feature folks from all levels of financial maturity and with all sorts of incomes.

They’re coming! Like it or not, the holidays — and all the stress of buying the Perfect Gift — are just around the corner. I actually like brainstorming gift ideas, and have been told I’m pretty good at it. Today I’ll share my secrets with you.

The best gifts are appropriate for the recipient, yet don’t cost a small fortune. You want your gift to say “I know what you like”, not “I didn’t have a clue of what to get you for a gift for but here it is anyway”. I once received a leopard-hair belt. Anybody who knows me, or has seen how I dress, understands that there’s never been (nor ever will be) a time that I’d wear a leopard-hair belt. A gift like that screams “I just bought you something because I had to”.

Gift-giving ground rules
Before you buy, take a few minutes to think about what your recipient has in her house or on her desk, what she spends her time doing, what she likes to talk about, where she likes to eat, and even what she keeps in her refrigerator. Even if you don’t know her that well, this exercise will help you get some ideas of what the recipient likes.

I’m not a collector, so I prefer practical and useful gifts. However, if your gift recipient is a collector, that’s a perfect opportunity. Even if his collection is filled with expensive items, you can often find a small token within that collection that you could give him. The trick to buying a great gift for somebody, no matter what the occasion, is to buy what your recipient would enjoy — not what you’d enjoy.

Often, a consumable gift that provides momentary pleasure and then disappears is best, especially around the holidays when people usually get many gifts. Consumables can be given, enjoyed, and remembered without becoming Stuff.

My husband’s 90-year-old grandmother is a perfect example. What can you give a 90-year-old woman who already has everything she wants and needs? Not much. However, I know she really enjoys a good cup of coffee. And I found some European butter cookies and a some jars of preserves made in her native Denmark. I give her this same gift every year. She tells me she waits eagerly for our gift because not only does she enjoy consuming it during the winter, but because it’s a small reminder of her home country.

Inexpensive gift ideas
No matter which gift you choose, if it’s something your recipient uses over and over, you can give a great gift without spending too much. Here are some of my favorite inexpensive gift ideas. These have all been well-received and cost less than $20. You can tailor the gift idea to fit your budget. Some of these can be used as hostess gifts for holiday parties you may be attending.

  • Personalized note cards
  • A book by her favorite author
  • Monogrammed wine stoppers
  • Travel journal
  • Engraved metal bookmark
  • Monogrammed soap bars
  • Bread basket with quick bread or muffin mix inside
  • Dog or cat breed-specific items — calendars, notepads, keychains, etc. of their pet
  • Cookbook (specific subjects like fondue, vegetarian, appetizers, etc or you could get a book representing their hometown like the Chesapeake Bay, etc.)
  • Personalized insulated tote-style lunch bag (put his favorite snack inside)
  • Sports team items — pick her favorite team mug, hat, t-shirt, scarf, etc. (fill a mug with her favorite hard candy)
  • Gourmet chocolate bars tied with ribbon or raffia
  • Favorite bubble bath & bath pillow
  • Wallet with gift cards or cash inside
  • Amaryllis or Paperwhite bulb package
  • Old-fashioned jar filled with favorite candy or snack
  • Hand-made soap with an interesting soap dish
  • Handmade crocheted or knitted scarf or hat
  • BBQ sauces, hot sauces, grilling rubs, etc (some have funny labels)
  • Ice cream dish with favorite topping
  • Decorative candy bowl with favorite candy
  • Ornament representing current hobby
  • Charm to add to an existing charm bracelet
  • T-shirt from favorite restaurant
  • Crabtree & Evelyn hand therapy (super-rich hand cream)
  • Nice colored pencils and/or sketch notebook for artists
  • Small decorative bowl and package of dip mix
  • Hand towels with initials embroidered (especially if newly married)

Here are a few more ideas with a bit of explanation:

  • Magazine subscription (hundreds of subjects to choose from — and you can give crossword puzzle and comic book subscriptions too). Buy the current issue and put a note on it that you got him a one-year subscription.
  • Lolita glasses are painted wine, beer, or margarita glass that have themes painted on them based on hobbies. There’s a recipe painted on the bottom of each glass too.
  • Year of Napkins! This requires advance planning, but makes a unique gift for a very reasonable price. For each holiday throughout the year (plus Happy Birthday), pick up one pack of luncheon-sized napkins. When you’ve collected all the holidays, package them in order of the holidays in small CD crates, baskets, etc. Usually you can find the napkins in the clearance section right after the holiday. Decide how many of these you want to put together in advance so you can buy as many as you need during each holiday.

Remember that you can also go in with others to purchase bigger gifts, such as theater tickets, cooking classes, and other “experiences”. If you’re very organized, you can shop all year and pick up interesting gifts along the way. My sister-in-law has a birthday in January, but I often find stuff she’ll love in the summer, so I buy it and keep it until her birthday.

Check the clearance racks all year to get even better deals. Unless you really enjoy going shopping the week before Christmas, you may find that buying gifts ahead of time will not only save you money, but also make the holiday season a little more relaxing, as well.

Reminder: Another way to save money on gifts is to make them yourself. Here’s a list of 34 great homemade Christmas gifts almost anyone can put together. And over at The Simple Dollar, Trent has been documenting his own quest for family-produced Christmas presents.

A note on packaging
When packaging your gifts, you’re not stuck using a gift bag or plain wrapping paper unless you want to. Tulle (that material used to tie up rice/birdseed to throw at weddings) is great for wrapping unusually-shaped items, such as the bowls & dip mixes, candy bowls & jars, ice cream dishes, bottles of hot sauces, soap, etc. It’s really inexpensive to purchase by the yard, comes in many colors, and your recipient can see what you gave her without unwrapping it. Tulle is especially good for hostess gifts so they don’t have to open them upon receipt.

Some other tips:

  • Magazines roll up perfectly in those tall wine bottle bags.
  • Chinese-food boxes and small tin buckets are inexpensive and fun to use.
  • Bread baskets work nicely to hold all kinds of items and they can reuse the basket later.

When packaging your gifts, use your imagination!

1980 Gates Christmas - Tiff and Kris

Gift giving can be fun — if you allow yourself to be creative and take a few minutes to think about your recipient. The bottom line: If he’ll enjoy it, it’s a great gift for him!

Happy gift-giving!

Source: getrichslowly.org

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A great neighborhood is more than just its location, location, location.

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The best places to live are convenient and appealing in a number of ways — some of which you might not typically think about.

Here’s our guide to six factors that add a particular wow factor to a locale, the qualities which can make a neighborhood a really great place to live.

Culture & entertainment
Where do you take your family and friends when they come to visit from out-of-town? Think about the places you both enjoy personally and also enjoy sharing to understand just how important culture and entertainment options are in a great neighborhood. Simply put, the best neighborhoods are places where there’s lots of stuff to do — like enjoy the coolest new restaurants, browse a museum, catch a play or concert, grab a beer, or go for a hike. The best, hippest neighborhoods offer a variety of options that make living there ever-interesting.

Social gathering spots
Great neighborhoods reflect the people living there, and that’s why social interaction is an important factor in the best communities. These places offer opportunities for neighbors to get to know each another in public spaces. These opportunities can be created by walkable sidewalks, benches on street corners, patio dining and other social spots where people can interact.

The Garden District in New Orleans is noted as a great neighborhood by the American Planning Association. The neighborhood's historical residences and beautiful live oak trees lend a stunning visual appeal.
The Garden District in New Orleans is noted as a great neighborhood by the American Planning Association. The neighborhood’s historical residences and beautiful live oak trees lend a stunning visual appeal.

Visual interest
According to the American Planning Association (APA), a non-profit organization dedicated to the growth of better communities, visual interest is an important factor in a great neighborhood. By APA standards, a great neighborhood is one that features interesting architecture and design, such as historically-preserved homes or sculptures made by local artists.

Great neighborhoods are comfortable and appealing. They feature intriguing storefronts, clean streets with good lighting, and flowers and trees that look inviting. The visual interest these qualities create is important because it beckons people to hang out in the neighborhood — and come back again and again.

Convenient amenities
You might have the most beautiful apartment home imaginable, but if it’s not situated near the amenities and services you prefer, you may soon feel that something’s missing. That’s why the Project for Public Spaces (PPS), a non-profit organization, considers the “Power of 10” one of the most important features in a great neighborhood. The Power of 10 refers to the ten most important places any resident needs in a neighborhood: places like a handy supermarket, walking park, or favorite spot to grab a snack. These are the most important, useful and fun places in a great neighborhood, according to you!

Accessibility
Great neighborhoods are also easy to get in and out of, serving residents and visitors with a network of organized streets and alternate methods of transportation. They’re walkable, bikeable or drivable places where it’s easy to get around.

Memorable character
All of these great neighborhood factors add up to memorable character: the essence of a place that makes it really stand out from the rest of the city’s surroundings. Memorable character is what fosters a sense of pride in a place. For the residents of that community, there will always be stories to tell of life lived there.

Photo credit: Shutterstock / Creativemarc, Natalia Bratslavsky

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If you’re considering moving to Columbus or already finding yourself drawn to the charm of this vibrant city, it’s essential to dive into its rich tapestry of history and culture. While searching for apartments in Columbus or homes in the city, it’s equally important to familiarize yourself with the fascinating and fun facts that make this Ohio gem a truly remarkable place. From its captivating past to its thriving present, Columbus is a city that offers a delightful blend of surprises and intriguing details. So, let’s embark on a journey of exploration and uncover the captivating fun facts that make Columbus a captivating destination for residents and newcomers alike.

columbus skyline

1. Columbus is the birthplace of the iconic Oreo cookie

Did you know that Columbus, Ohio holds a delicious claim to fame? This vibrant city is the birthplace of the beloved Oreo cookie. Back in 1912, the National Biscuit Company (now known as Nabisco) opened its first Oreo factory in Columbus, forever linking the city to this iconic treat. So, the next time you indulge in an Oreo, remember that it all started right here in Columbus!

2. Columbus is home to the largest science museum in Ohio

Columbus is a hub for innovation and knowledge, and the city proudly hosts COSI (Center of Science and Industry), the largest science museum in Ohio. COSI is a haven for curious minds of all ages, offering interactive exhibits, engaging demonstrations, and captivating shows that bring science, technology, and creativity to life.

3. The city has an impressive literary legacy

Columbus boasts a rich literary heritage, having been home to several renowned authors. Notably, James Thurber, an acclaimed American humorist and cartoonist, was born in Columbus in 1894. His witty and insightful works continue to captivate readers worldwide. Moreover, Columbus annually hosts the Ohioana Book Festival, celebrating the literary talent of Ohio and fostering a love for books and reading.

leaves on a buckeye tree

4. Ohio’s state tree, the buckeye, can be found throughout Columbus

Columbus is the capital of Ohio, which is also known as the “Buckeye State” after its official tree, the buckeye. These beautiful trees are found throughout the city, with their distinctive nuts serving as a symbol of Ohio pride. In fact, the term “buckeyes” is commonly used to refer to Ohio State University sports teams, demonstrating the deep connection between the city and its iconic tree.

5. The vibrant German Village neighborhood is one of the highlights of Columbus

One of Columbus’ most charming neighborhoods is the German Village. Founded in the 19th century by German immigrants, this historic district retains its old-world charm with its brick-lined streets, enchanting architecture, and delightful gardens. The German Village offers a rich cultural experience, with its traditional festivals, authentic German cuisine, and friendly community spirit.

6. Columbus is an art lover’s paradise

Columbus is a haven for art enthusiasts, hosting a diverse and thriving arts scene. The city is home to the Columbus Museum of Art, which showcases an impressive collection of American and European art. Additionally, the annual Columbus Arts Festival attracts artists from all over the country, transforming the downtown area into a vibrant tapestry of creativity.

wendy's sign

7. Wendy’s was founded in Columbus

Fast food aficionados will be delighted to know that Columbus is the birthplace of the famous Wendy’s restaurant chain. Established in 1969 by Dave Thomas, the first Wendy’s opened its doors in this lively city. Today, Wendy’s has become a global fast-food giant, but its roots remain deeply tied to Columbus, where it all began.

8. The Ohio State University, a powerhouse in college sports, is located in Columbus

When it comes to college sports, Columbus takes center stage with The Ohio State University. The Buckeyes have a storied athletic program and a passionate fan base. The iconic Ohio Stadium, also known as “The Horseshoe,” is a must-visit for any sports enthusiast, offering an electrifying atmosphere during football games that is truly unmatched.

9. The Columbus Zoo and Aquarium is located here

The Columbus Zoo and Aquarium is a gem that brings joy to millions of visitors every year. This world-renowned institution is dedicated to conservation, education, and animal welfare. With its wide array of exhibits and diverse animal species, including the legendary gorilla named Colo, the Columbus Zoo and Aquarium is an unforgettable experience for all ages.

10. Columbus is known for its vibrant and inclusive LGBTQ+ community

Columbus has gained recognition for its dynamic and inclusive LGBTQ+ community. The city proudly hosts one of the most significant Pride parades in the Midwest, drawing individuals from diverse backgrounds to commemorate the values of diversity and equality. With its progressive environment, Columbus nurtures an atmosphere of acceptance and inclusivity, creating a welcoming haven for all who visit.

Source: redfin.com

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Birmingham, Alabama is more than a geographic center; it is a tapestry of beautiful landscapes, mouthwatering culinary delights, and more. However, like any place, there are drawbacks to keep in mind, such as the city’s vulnerability to severe weather, limited public transportation options, and the occasional traffic. Before making the decision to settle down in Birmingham, it is essential to weigh the pros and cons. This Redfin article will delve into ten key factors to consider, helping you make an informed judgment on whether Birmingham is indeed a good place to live. So whether you’re in the market for Birmingham apartments or houses for sale, read on to get started.

Birmingham Alabama

Pros of living in Birmingham, Alabama

1. Booming job market and business opportunities

With a diverse and thriving economy, Birmingham offers various industries, from healthcare and finance to technology and manufacturing. The top companies are Regions Financial Corp, Encompass Health, and Alabama Power, to name a few. The city’s business environment and entrepreneurial spirit foster innovation and growth, creating a fertile ground for career advancement and professional success. Whether you’re looking to kick-start your career or seeking new challenges, Birmingham welcomes you with many job openings. 

2. Lush green landscapes and proximity to outdoor recreation

Amid Birmingham’s bustling cityscape lies a hidden gem of lush green landscapes and proximity to outdoor recreational areas. With its picturesque parks, serene lakes, and sprawling forests, Birmingham offers natural beauty and tranquility. Whether it’s exploring the awe-inspiring vistas of Oak Mountain State Park, kayaking along the Cahaba River, or simply finding solace in the city’s well-maintained green spaces, Birmingham’s connection to nature rejuvenates the spirit and offers endless opportunities for outdoor recreation.

Southern Home with porch

3. Affordable housing costs

Birmingham offers a range of housing choices that cater to various budgets and lifestyles. Whether searching for a charming historic home, a cozy suburban retreat, or a modern urban apartment, Birmingham has it all. The median sale price is $205,000, well below the national average of $407,992. Apartments in Birmingham are just as affordable, with a two-bedroom apartment averaging $1,352.

The city’s affordable housing market allows individuals and families to find a place they can call home and provides opportunities for financial stability and investment. 

4. Convenient location with easy access to other major cities 

Birmingham’s convenient location is a gateway to exciting adventures and exploration. With just around a 2-hour drive, residents can immerse themselves in the vibrant energy of Atlanta, GA, a cultural and economic powerhouse offering myriad experiences. Likewise, the enchanting allure of Nashville, TN, renowned for its rich music heritage, is within a 3-hour drive. Birmingham’s strategic location connects residents to a thriving city network, opening doors to new experiences, career opportunities, and cultural exchanges.

concert crowd

5. Vibrant music and entertainment culture

You’ll find a stage for a vibrant and electrifying music and entertainment culture, where the rhythm of life resonates through every corner of Birmingham. From lively jazz clubs like Uptown Jazz Lounge to rock’  n’ roll hotspots, Birmingham pulsates with the sound of talented artists and captivating performances. Countless live music venues provide the perfect backdrop for unforgettable nights of melodic harmonies and soul-stirring beats. Whether you’re a fan of blues, country, hip-hop, or indie rock, Birmingham’s diverse music scene caters to all tastes and preferences.

Cons of living in Birmingham, Alabama

1. Hot and humid summers

Birmingham experiences hot and humid summers, which can be perceived as a drawback to living in the area. In the summer, the city’s residents often endure high temperatures, frequently reaching around 90 degrees Fahrenheit, coupled with substantial humidity levels. The combination of heat and humidity can make the summer months uncomfortable and challenging for some individuals. The air can feel heavy, and outdoor activities can become more arduous due to excessive sweating and a general feeling of stickiness. The sweltering conditions can also pose health risks, especially for vulnerable populations or those with respiratory issues. 

High angle view of traffic on highway

2. Limited public transportation options

Living in Birmingham can present a challenge due to its limited public transportation system. Unlike larger metropolitan areas, Birmingham’s public transportation options are relatively limited with a transit score of 21. Birmingham has a smaller network of buses and a lack of extensive rail systems which can pose challenges for residents who rely on public transportation to commute to work, run errands, or access various parts of the city. Limited public transportation can result in longer commute times, restricted mobility, and greater dependence on private vehicles. This can be particularly inconvenient for those needing access to a car or individuals who prefer public transportation for environmental or cost-saving reasons. 

3. Occasional severe weather

The region is prone to severe weather, including thunderstorms, tornadoes, and rare hurricanes or tropical storms. The unpredictability of these weather patterns can create challenges and potential risks for Birmingham residents. Thunderstorms can bring heavy rainfall, lightning, and strong winds, leading to flash flooding and property damage. While relatively rare, tornadoes can be devastating and pose a significant threat to life and property. Similarly, the city can be affected by the outer bands of hurricanes or tropical storms, resulting in heavy rainfall, strong winds, and potential flooding. Severe weather requires residents to remain vigilant and prepared, investing in appropriate safety measures such as storm shelters or emergency kits. 

4. The occasional air pollution from industrial activity in the area

Birmingham is ranked position 18 for annual particle pollution out of 200 metropolitan areas. As an industrial hub, Birmingham’s factories, power plants, and other industrial facilities contribute to releasing pollutants into the air. This can lead to poor air quality and potential health risks for residents. Fine particulate matter and pollutants such as nitrogen oxides and sulfur dioxide can be emitted, posing respiratory hazards and exacerbating pre-existing health conditions. The occasional haze and smog can diminish the visual appeal of the cityscape and detract from the overall quality of life. Additionally, prolonged exposure to air pollution can have long-term effects on the respiratory system and overall well-being.

Traffic Jam

5. Heavy traffic congestion 

As the largest city in Alabama, Birmingham experiences significant traffic volumes, particularly during peak commuting hours. The city’s road infrastructure, while continuously improving, can struggle to accommodate the increasing number of vehicles on the road. Commuters often encounter delays, especially on major highways and arterial routes, leading to longer travel times and increased frustration. The heavy traffic can impact daily routines, making it challenging to plan schedules effectively and contributing to stress levels. 

Is Birmingham, Alabama a good place to live? Final thoughts

In wrapping up this exploration, it’s clear that Birmingham, Alabama is a city filled with potential and a rich tapestry of experiences. Its affordable housing, dynamic arts scene, and convenient location make it an enticing place to call home. However, it’s important to consider challenges like traffic and weather. Ultimately, the decision to embrace Birmingham depends on your desires and aspirations. So, weigh the pros and cons and let your inner compass guide you to a place where you can truly thrive. 

Source: redfin.com

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Welcome to Rockford, a city teeming with rich history and vibrant culture. Whether you’re living in a house in the city or you’re searching for apartments for rent in Rockford, you’re in for a treat. In this Redfin article, we’ll explore the diverse range of museums that this city has to offer. Perfect for art enthusiasts to history buffs, Rockford’s museums provide a captivating glimpse into the past, present, and future. Let’s get started!

person viewing paintings in a museum

1. Discovery Center Museum

Let’s kick off our journey with the Discovery Center Museum, a haven for curious minds of all ages. This interactive science museum offers hands-on exhibits that encourage visitors to explore the wonders of physics, geology, health, and technology. From launching rockets to excavating dinosaur bones, the Discovery Center Museum ensures an unforgettable experience that combines education with entertainment.

2. Rockford Art Museum

Art aficionados will find solace at the Rockford Art Museum, which showcases an impressive collection of contemporary and historical artworks. Featuring exhibitions that highlight local, national, and international artists, the museum provides a platform for artistic expression, fostering creativity and cultural appreciation within the community.

3. Burpee Museum of Natural History

Delve into the world of paleontology and anthropology at the Burpee Museum of Natural History. Discover the wonders of ancient creatures, including the most complete juvenile Tyrannosaurus rex ever discovered, Jane. Unearth the mysteries of human evolution and marvel at the fossilized remains that reveal our fascinating past. The Burpee Museum offers a captivating blend of science, history, and discovery.

4. Ethnic Heritage Museum

Embrace the cultural diversity of Rockford at the Ethnic Heritage Museum, a unique institution dedicated to preserving and celebrating the heritage of various ethnic groups that have contributed to the city’s rich tapestry. With individual galleries representing different cultures, including African-American, Hispanic, Italian, Lithuanian, Polish, and Irish, the museum fosters understanding and appreciation for the city’s multicultural roots.

midway village museum in rockford il

5. Midway Village Museum

Step back in time at the Midway Village Museum, an immersive living history museum that transports visitors to the late 19th and early 20th centuries. Roam through meticulously recreated period buildings, including a Victorian-era village, and witness the daily lives of the people who shaped Rockford’s history. Engaging exhibits, costumed interpreters, and special events bring the past to life, offering a captivating glimpse into bygone eras.

6. Tinker Swiss Cottage Museum and Gardens

Take a tour of the Tinker Swiss Cottage Museum and Gardens, a beautifully preserved Victorian-era mansion that offers a fascinating glimpse into the life of Rockford’s early settlers. Admire the intricate craftsmanship, period furnishings, and stunning gardens as you uncover the story of the Tinker family. Guided tours provide a deeper understanding of the cottage’s history, making it a must-visit for history enthusiasts.

7. Erlander Home Museum

The Erlander Home Museum invites visitors to explore the heritage of Swedish immigrants who played a pivotal role in shaping Rockford. Step into the past as you wander through the meticulously restored 1871 home of Swedish-American John Erlander. Immerse yourself in Swedish culture, learn about the challenges faced by immigrants, and appreciate the contributions they made to the city.

8. National Museum of the USAF

For aviation enthusiasts, the National Museum of the United States Air Force is an absolute gem. Although located a short drive from Rockford in Dayton, Ohio, it’s worth mentioning due to its proximity and outstanding collection. This awe-inspiring museum showcases an extensive array of aircraft, from vintage planes to modern jets, and delves into the history of aviation and space exploration. Get up close to iconic aircraft like the Wright Flyer, Apollo space capsules, and military planes that shaped the nation’s aerial history.

Source: redfin.com