A city that needs no introduction, Las Vegas is a glittering oasis in the heart of the Nevada desert. From its inception as a humble railroad stopover to becoming a global entertainment icon, Las Vegas has etched its name into the annals of history. Instantly recognizable for its neon-lit skyline, iconic resort casinos, and high energy, Las Vegas is where fantasy becomes reality. But what exactly is Las Vegas known for? Whether you’re looking to rent an apartment in Las Vegas or purchase a home in the area, prepare to uncover what makes this beautiful city what it is today.
World-class casinos
Las Vegas boasts several famous casinos that have become synonymous with luxury, excitement, and indulgence. From the Flamingo, the first major resort on the Strip, to the Bellagio with its famous dancing fountains, these casinos offer numerous gaming options, from slot machines and table games to poker rooms and sports betting. Each casino has its unique theme and atmosphere, transporting visitors to different corners of the world. Not to mention, the architecture, interior designs, and entertainment options, including live performances and celebrity chef restaurants, make Las Vegas casinos a haven for those seeking a one-of-a-kind entertainment experience.
Being a global entertainment epicenter
From residency shows featuring artists like Kelly Clarkson, Elton John, Adele, and Luke Bryan, to Cirque du Soleil productions such as “O” and “Mystère,” the city’s theaters and venues offer many different types of live entertainment. Beyond music and theater, Las Vegas has many attractions along or close to the strip, including the Bellagio Fountains, the High Roller observation wheel, and the Mirage Volcano. The city’s nightlife is equally renowned, with its vibrant nightclubs and bars drawing international DJs and partygoers.
Thrilling outdoor adventures
Las Vegas offers exhilarating outdoor adventures for those exploring the surrounding region. Within a short distance, visitors can go on desert excursions, such as off-roading adventures in rugged terrains, guided ATV tours through Red Rock Canyon’s stunning landscapes, or even dune buggy rides across the sand dunes of the Mojave Desert. For the more adventurous, opportunities for rock climbing, hiking, and rappelling in nearby canyons like the picturesque Valley of Fire provide a unique blend of adrenaline and breathtaking scenery. Additionally, the nearby Colorado River invites visitors to engage in activities like kayaking, paddleboarding, and even white-water rafting.
The Las Vegas Strip
The Las Vegas Strip is a world-famous thoroughfare stretching approximately 4.2 miles along Las Vegas Boulevard South. This iconic street features resort casinos, dazzling neon lights, and bustling crowds. Each resort along the Strip has its own unique theme, from the elegant Venetian with its intricate replica of Venice’s canals to the pyramid-shaped Luxor and the extravagant Paris Las Vegas. The Strip is not only a hub of gambling and gaming, but it also offers entertainment, from mesmerizing theatrical productions to world-class concerts by renowned artists.
Unique landmarks
Las Vegas has unique landmarks that contribute to its distinctive and iconic character. The famed Las Vegas Strip is a remarkable landmark, but there are many other attractions to check out. Some of which include the Neon Boneyard (which showcases a dazzling collection of vintage neon signs), the “Pawn Stars” Gold & Silver Pawn Shop, and the unconventional and artistic Container Park.
Fine dining
Las Vegas has established itself as a global culinary destination, offering an exquisite array of fine dining experiences. Renowned for celebrity chef restaurants, the city boasts a culinary landscape where innovation meets luxury. From the elegant and contemporary ambiance of Joël Robuchon at the MGM Grand to the sophisticated Italian cuisine of Carbone at ARIA, these establishments elevate dining to an art form. Notably, the Wynn and Encore resorts house a collection of fine dining gems, including SW Steakhouse and Wing Lei, the first Chinese restaurant in the U.S. to earn a Michelin star.
Fremont Street
Often referred to as the “original Las Vegas,” Fremont Street boasts a rich history dating back to the city’s early days, lined with vintage casinos, neon signs, and a distinctive retro charm. The renowned Fremont Street Experience, a massive canopy of LED lights, hosts dazzling light shows and concerts, immersing visitors in a visual display. The street is also home to some of Las Vegas’s oldest and most iconic casinos, including the Golden Nugget and Binion’s. Street performers and live music are common throughout all parts of the day.
Last weekend, I played paintball for the second time in my life. I had great fun charging through undergrowth, hiding behind logs, and shooting my friends at close range. Paintball is a blast, but I’m amazed at how much it costs to play. We each paid $25 to use the field and an additional $25 for paint. The total cost was $50 for about five hours of playtime — roughly $10 an hour.
On the drive home, we compared the cost of paintball to the cost of laser tag. Last fall, we spent $7 per person for each twenty minute game of laser tag. That’s $21/hour — twice the cost of paintball. Some of our group felt the higher cost was worth it; others thought paintball was a much better deal.
This made me wonder: What are the hourly costs for other recreational activities? How much do we spend to have fun? Do people consider how much pastimes cost, and which would they continue to pursue if they realized how much they were spending?
I do this sort of geeky number-crunching all the time. In March, I broke down the numbers to discover how much Kris and I were spending on television. I learned that it cost us $3.16/hour for digital cable, but only $0.90/hour for Netflix. We cut back to basic cable.
Ten years ago, I paid $700 for a new bicycle, on which I’ve since logged about 3,000 miles. At roughly 15 miles per hour, that’s 200 hours of use, or $3.50/hour. That seems moderately expensive until I factor in the health benefits. But these are difficult to quantify — what do the benefits of biking save me in the long run? Calculations like this can become needlessly complex.
Still, it’s easy to estimate how much most activities cost. Here’s what I spend on various pastimes:
Laser tag: $20/hour
Paintball: $10/hour
Biking: $3.50/hour, but less every time I ride
Bowling: $5/hour
Neighborhood walk with Kris: free
Seattle Mariners game: $10/hour, plus food, plus 300+ mile round-trip
Portland Beavers game: $5/hour, plus food, plus short travel
My nephew’s t-ball game: free
Movie theater: $5/hour
Cable TV: $3/hour
Shows from iTunes: $2/hour
Netflix: $1/hour
Nintendo Wii: About $10/hour so far, but decreasing with time
Board games: $3/hour (on average)
Contract bridge: virtually free ($1 for a pack of cards)
The opera: $25/hour, plus dinner plus parking
Community theater: $2.50/hour
Neither laser tag nor the opera seem that appealing after running the numbers. Don’t get me wrong: I’m not saying that you should base your recreational choices solely on their hourly cost, but I do think you should keep money in mind. Try to discover inexpensive (or free!) sources of entertainment.
For example, reading library books is pretty cheap. A new $25 hardback might take five hours to read, for a cost of $5/hour. If you buy the book used, you might only spend $1/hour. But if you borrow the book from the library, you get to read it for free.
The most expensive recreational activity I ever participated in was a season of city league soccer. It cost me $100 for ten games, or about $5/hour. That’s not so bad. But then I tore out my ACL, which required expensive surgery. Even with insurance, I was out $2,000. Ultimately my season of soccer cost me over $100/hour!
How much do your favorite activities cost? Which are worth it? Which are not?
This article originated with a discussion in the forums.
Welcome to the ultimate guide on converting a carport to a garage. Whether you reside in the vibrant city of Nashville, TN, and dream of transforming your carport into a garage with a guest living area, or you just bought a house in the quaint and charming city of San Marcos, CA, where you envision creating a mini bar and recreational living space, this Redfin article provides a comprehensive list of all the major considerations you should to take into account before you begin your project.
Converting a carport into a functional and versatile space is not only a trending home feature that adds value to your home but also opens up a world of exciting possibilities. In this article, we’ll provide you with a comprehensive checklist to consider before starting on your carport conversion project, along with fresh and innovative ideas that will inspire and elevate your project to new heights.
Carport garage conversion checklist
1. Check your local building codes, HOA regulations, and permits
Before starting on a carport garage conversion, it’s crucial to familiarize yourself with the specific building codes and regulations in your area. Local building codes determine the minimum standards for construction, safety, and design, ensuring that the garage conversion meets essential requirements. Additionally, if your property falls under a Homeowners Association (HOA), their rules and guidelines may impose restrictions or design criteria for garage conversion.
Ensure compliance with both the local authorities and the HOA to avoid potential legal issues or costly alterations down the line. Furthermore, obtain all necessary permits before beginning your project as these documents ensure that the project is reviewed and approved by the appropriate authorities and that it adheres to safety and zoning standards.
2. Determine your budget and financing options
Creating a comprehensive budget is a crucial step before starting any carport garage conversion project. Carefully assess the scope of your project, including materials, labor, permits, and any additional features or amenities you plan to incorporate. Factor in unexpected expenses to allow for flexibility during the project. If your budget exceeds your available funds, explore financing options such as home equity loans, personal loans, or lines of credit. Make sure to choose a financing solution with favorable terms and interest rates that align with your financial capabilities.
3. Hire a professional for a structural assessment
Converting a carport into a garage involves altering the existing structure, and it’s vital to ensure its stable and durable. Engage a qualified and experienced professional, such as a structural engineer or contractor, to conduct a thorough assessment of the carport’s foundation, framework, and load-bearing capacity. They will identify any potential weaknesses or areas that require reinforcement to support the additional weight of walls, roofing, and other modifications. The structural assessment provides crucial insights that guide the design and construction phase, ensuring that your new garage is safe and built to last.
Relying on professional expertise during this stage minimizes the risk of structural issues and potential hazards in the future. Before commencing any home improvement project, make sure to ask contractors questions to ensure their qualifications, experience, and adherence to local regulations and building codes. This proactive approach will help you select the right professional for the job and provide peace of mind throughout the conversion process.
4. Plan the design and layout of your garage
Careful planning of the design and layout is essential for creating a functional and aesthetically pleasing garage. Consider the number of vehicles you want to accommodate, as well as any additional storage needs or utility areas, such as a workbench Think about the placement of windows and doors to ensure sufficient natural light and easy access. If you intend to use the garage for multiple purposes, create designated zones to optimize space. Sketch out your ideas and explore various design options to find the one that best suits your needs and complements the overall architecture of your home.
5. Select the appropriate building materials
Choosing the right building materials is vital for the structural integrity, durability, and appearance of your garage. Select materials that align with your design preferences and work best for your local climate. For example, if your area experiences harsh weather conditions, opt for materials that offer superior weather resistance. Consider the type of walls, like wood or concrete blocks, and the types of roofing materials, like asphalt shingles or metal that will suit your needs and budget. High-quality materials may require a higher upfront cost but can save you money in the long run by reducing maintenance and repair expenses.
6. Plan for ventilation and climate control
Proper ventilation and climate control are essential to maintain a comfortable and safe environment within the garage. Adequate ventilation prevents the buildup of moisture and fumes, which can lead to mold growth and unpleasant odors. Install vents or exhaust fans to promote airflow and improve air quality. Additionally, consider insulation to regulate temperature extremes, keeping the garage cooler in summer and warmer in winter. If you plan to use the garage for activities that generate heat, such as a workshop or home gym, consider incorporating heating and cooling systems to ensure a pleasant workspace year-round. Efficient ventilation and climate control contribute to the longevity of the garage and protect any valuable items stored inside.
7. Determine if you need utility connections
Evaluate whether your garage conversion requires utility connections such as electricity, water, or gas. If you plan to use the garage as a workshop, laundry room, or home office, electrical outlets are essential to power tools and appliances. If you need water for a utility sink or bathroom, ensure the plumbing connections are feasible. Consider the potential cost of extending utilities to the garage and consult with professionals to understand the best approach for connecting utilities safely and efficiently.
8. Explore your garage door options
Selecting the right garage door is crucial for convenience, security, and aesthetics. Assess various garage door types, such as overhead roll-up doors, sectional doors, or swing-out doors, each offering different benefits. Also, consider the material of the garage door, such as steel, wood, or aluminum, based on your preferences and budget. Automatic garage door openers with remote controls provide added convenience and security. Choose a garage door that complements the architectural style of your home and meets your functional requirements.
9. Plan for lighting
Proper lighting is essential for a functional and safe garage. Assess the lighting needs based on the garage’s intended use. Overhead lighting provides general illumination, while task lighting is necessary for work areas. Consider LED lighting for its energy efficiency and long lifespan. If you want to maximize natural light, strategically place windows or skylights to enhance brightness during the day. Motion-activated lights around the garage’s exterior can also serve as security measures, deterring potential intruders.
10. Consider security measures
Garages often store valuable items like vehicles, tools, and equipment, making security a top priority. Install sturdy locks on all doors, including entry doors and any connecting doors to the house. Consider an alarm system to protect against theft and unauthorized access. Security cameras provide surveillance, allowing you to monitor activities around the garage. Motion sensor lights outside the garage act as a deterrent and enhance visibility during nighttime. Additionally, if you have windows in the garage, consider adding window locks for added security. By incorporating these security measures, you can safeguard your belongings and ensure peace of mind.
Carport conversion garage ideas
A garage is more than just a space to store cars, it can be a versatile extension of your home. Once you have converted your carport into a functional area, it’s time to consider a garage makeover that will elevate its potential even further. Explore exciting ideas such as transforming your garage into a dedicated home gym, a productive home office, or a fun-filled playroom.
For DIY enthusiasts, a well-organized workshop area can become a dream come true. Alternatively, create a cozy pet area to ensure your furry companions have a safe and comfortable space. With these creative garage makeover ideas, your garage will become a dynamic and multi-functional space that enhances your lifestyle and adds value to your home.
Workshop space
Converting your home garage into a workshop area is a dream come true for DIY enthusiasts and hobbyists. Start by installing a sturdy workbench with ample storage for tools and materials. Organize your tools on peg boards or wall-mounted tool racks for easy access. Adequate lighting is crucial for precision work, so consider adding task lighting above the workbench and general overhead lighting for the entire space. Enhance functionality by incorporating built-in shelves and cabinets for storing supplies. Insulate the garage to regulate temperature and make it a comfortable workspace year-round. With a dedicated workshop in your garage, you’ll have the ideal environment to unleash your creativity and complete various projects with ease.
Playroom
Converting your garage into a versatile playroom creates a dedicated space for recreational activities and entertainment for all members of the household. Start by creating a blank canvas with neutral colors to suit various interests and age groups. Consider adding soft and comfortable flooring for activities like yoga, board games, or simply lounging around. Install ample storage solutions such as shelves, bins, or cabinets to keep toys, games, and recreational equipment organized and easily accessible. Incorporate versatile furniture like bean bags, floor cushions, and modular seating to accommodate different play activities.
Add a chalkboard or whiteboard wall for creative expression and interactive fun. Integrate a variety of entertainment options, such as a TV, gaming consoles, or a projector for movie nights and virtual adventures. By creating a multifunctional playroom in your garage, you’ll have a space where everyone can unwind, have fun, and spend quality time together.
Home office
Converting your garage into a home office allows you to create a productive workspace away from distractions inside the house. Start by insulating the garage to ensure a comfortable and quiet environment. Consider adding windows or skylights to bring in natural light and create a pleasant working atmosphere. Install a sturdy desk and ergonomic chair for comfortable hours of work. Organize the office with shelves, filing cabinets, and storage solutions for a clutter-free space. Set up a reliable internet connection to stay connected and productive. If necessary, add heating and cooling systems to maintain a comfortable temperature. Personalize your home office with artwork, plants, and decor to create a motivating and inspiring workspace that enhances your productivity and creativity.
Home gym
Transforming your garage into a home gym provides the ultimate convenience for fitness enthusiasts. Clear out clutter and install rubber or foam flooring to create a safe and comfortable workout area. Incorporate wall-mounted mirrors to check your form and enhance the sense of space. Install proper ventilation or fans to keep the air fresh during intense workouts. Organize your gym equipment with wall-mounted racks or freestanding storage systems. Consider adding a sound system to keep you motivated during exercise sessions. With a home gym in your converted garage, you can exercise at any time without the hassle of traveling to a commercial gym, ensuring a more consistent and effective fitness routine.
Pet play area
Transforming your garage into a pet play area provides a safe and comfortable space for your furry companions. Clear out the garage and create a cozy environment with pet-friendly flooring, such as rubber mats or pet-safe carpeting. Designate specific areas for your pets to rest, play, and eat, and consider adding built-in pet beds or kennels. Install proper ventilation to maintain a fresh and odor-free atmosphere. Set up storage for pet supplies and accessories, including food, toys, and grooming tools. Ensure the garage is secure with pet-friendly doors and windows, allowing your pets to enjoy the outdoors safely. By converting your garage into a pet area, you offer a dedicated space where your pets can feel at home and be well-cared for.
Home bar and entertainment area
Converting your garage into a stylish home bar and entertainment area provides an ideal space for hosting gatherings and unwinding with friends and family. Install a functional bar counter with seating, complete with a sink and storage for drinkware and beverages. Consider adding a mini-fridge, ice maker, and wine cooler for easy access to refreshments. Set up a media area with a large-screen TV, sound system, and comfortable seating for movie nights and sports events. Enhance the ambiance with mood lighting, such as pendant lights or LED strips. Add decorative elements like wall art, mirrors, and shelving to showcase your spirits collection and add character to the space. With a well-designed home bar and entertainment area, your garage will become the go-to spot for fun and relaxation.
Laundry room
Transforming your garage into a laundry room not only significantly enhances your home’s functionality but also provides the added benefit of maintaining a clean and organized garage space. Install a utility sink for handwashing and soaking clothes, and set up space for your washing machine and dryer. Add ample counter space for folding and organizing laundry. Integrate built-in cabinets or shelves for storage of laundry supplies, cleaning products, and household essentials. Consider a drying rack or designated hanging space to air-dry clothes. Ensure the garage is well-ventilated for humidity control and maintain a pleasant atmosphere while doing laundry. By transforming your garage into a laundry room, you can streamline your laundry routine and keep your living spaces tidy and clutter-free.
Art and music studio
Transforming your garage into a versatile music and art studio at home provides an inspiring and creative space for artistic expression and musical pursuits. Start by creating a well-lit environment with ample natural light and adjustable artificial lighting to cater to various art and music needs. Install soundproofing materials like acoustic panels or foam to minimize sound leakage and ensure optimal acoustics for musical instruments. Consider adding storage solutions like shelves, drawers, and cabinets to organize art supplies, paints, brushes, and musical equipment.
Set up designated areas for artwork creation, musical instrument practice, and recording projects. Personalize the studio with artwork, musical memorabilia, and decor that reflect your unique style and inspirations. With a dedicated art and music studio in your garage, you’ll have a sanctuary to explore your creative passions and immerse yourself fully in the world of art and music.
Guest room
Converting your garage into a cozy and welcoming guest room is a fantastic way to provide a welcoming space for visiting friends and family. Begin by decluttering and insulating the garage to create a comfortable environment. Install proper lighting and ventilation to ensure a pleasant stay for your guests. Consider adding a comfortable bed, storage solutions, and decor that make the guest room feel like a home away from home. Personalize the space with thoughtful touches to make your guests feel special and cared for during their stay.
However, before proceeding with the conversion, be sure to check with your local authorities about Accessory Dwelling Units (ADUs) regulations, as these may apply to the guest room conversion depending on your area’s zoning laws and building codes. Taking these factors into consideration will help you create a delightful and compliant guest room for your loved ones.
It’s no secret that celebrities have said some wild and outrageous things—both on-screen and off. From ridiculous demands to understanding complicated topics, these famous people will make you shake your head in disbelief. Whether it was a misinformed statement or something downright silly, prepare to be amazed by what they had to say or did! So get ready for an entertaining read as we explore the dumbest statements uttered by our beloved stars of stage and screen.
1. Not Fake a Hate Crime
One user posted, “Jussie Smollett. Tracy Morgan said it best: ‘Yeah, they gave me a role on “Empire.” Contractually, they gave me millions of dollars. Contractually, all I gotta do is not fake a hate crime.’”
Another user replied, “Dave Chappelle’s bit about Jussie Smollett was pretty funny too. ‘The black community supported Jussie Smollett by keeping our mouths shut.’”
“This is the top one for me. It took so much careful planning and effort,” one commenter added.
2. If I Did It
One Redditor posted, “Making a book called ‘If I Did It’ after being acquitted of murder.”
Another user replied, “The family of OJs victims got the rights of the book and made the ‘if’ incredibly small.”
One commenter added, “Also, the forward they added is called ‘He Did It.’”
Another Redditor said, “Kids today will never understand what a BIG FREAKIN’ DEAL the whole OJ thing was, from the car chase to the trial. So really, if it weren’t for OJ, we wouldn’t have The Kardashians.”
One user explained, “OJ was one of those athletes who managed to cross over to pop culture. He was on TV often between his acting and product endorsements. In addition to being considered one of the best football players, he had a squeaky-clean image. The closest parallel I can draw today is if Peyton Manning killed his wife and went on a police chase. Of course, there probably wouldn’t be a racial component as there was with OJ, but as far as images are concerned, OJ and Manning would be similar.”
3. Joining Scientology
One user posted, “Joining Scientology, promoting it, and defending it.”
Another user replied, “Just look at Danny Masterson, they tried to cover up his [sexual] scandal, and thankfully he was convicted.”
4. Performing an Ukulele Apology
“Playing the ukulele to ‘apologize’ for being creepy to kids you met on the internet,” one Redditor posted.
Another user commented, “There’s no quicker way to make people think you’re diddling kids than writing a song about it!”
One commenter responded, “I saw a meme about it today, and it was like ‘Common playing in A minor got you in this situation in the first place’ and I was crying laughing.”
5. Trying to Bring a Controlled Substance On an Airplane
Another user added, “Former NBA player Damon Stoudamire tried to get over 1 ounce of [drugs] onto an airplane, but got caught at the metal detectors because he wrapped it in Aluminum Foil.”
One user asked, “Is that what happened to him?! I was wondering why he just got up and disappeared.”
“He’s the head coach of Georgia Tech,” one Redditor answered.
6. Being Bill Cosby
A Redditor shared, “Bill Cosby for being Bill Cosby. Millions adored this man as the father figure they always wanted. Until he wasn’t the father figure anyone wanted.”
One replied, “This one hurt severely. The public loved him. He had great stand-up routines and tv shows. I got to see him perform once.
“Then, Boom. It turns out he’s [sexually assaulted and] drugged women. Ugh.”
Another user added, “It was absolutely heartbreaking. I watched every episode of The Cosby Show, some more than once. It made me feel good; happy memories; everything was okay. Until it wasn’t.”
7. The Streisand Effect
“Barbra Streisand created Streisand effect. She didn’t want her home to be known on the internet, so she did everything in her power to remove pictures and addresses but wasn’t successful, and in return, her home became a hot topic,” one user added.
One user replied, “It seems dumb today, but the internet was pretty new and kind of unknown to most people. I imagine this was thought the same way as going after a tabloid. But instead, we witnessed an entirely new phenomenon.”
Another user added, “The funny thing was, prior to her lawsuit, the picture featuring her house had been viewed five times. Presumably, one of those was Streisand herself, and another was her lawyer. IIRC, the offending picture was part of a project to photograph the entirety of the California coastline. So thousands of images. One of which happened to show the back of her house. There was nothing in the picture that identified the house as hers.”
8. Antonio Brown Incidents
One user posted, “Here’s a list of Antonio Brown incidents from another thread. He could have legit been a potential Hall Of Fame player, as he was arguably one of the best WRs in the NFL. Then… he took crazy to a level that makes Kanye look sane. The dude has a lot more time to add some stupid [things] to it, but here goes:
“Edit: The newest is buying an Arena Football Team to be an owner/player then not paying league dues… currently the target of a class-action lawsuit for withholding paychecks to players as well.
“•Kicked out of Florida International University after fighting a security guard…
“• His second year in the league, he took a personal stretch limo to a charity event, had them open every single expensive bottle of wine, and rejected it. They refused to pay for it (charity, remember), then left. -credit Nduguu77…
• Trashed a condo and threw furniture out a window 14th-floor window, which almost hit some people, notably a child…
“• Threw a fit over Juju winning team MVP and trashed him on social media…
“• Held out and refused to show up to training camp because the NFL would not approve his helmet because it was too old for their safety standards…
“• Got fined by the Raiders for not attending camp…
“• Tried to fight Mike Mayock, called him a cracker, had to be held back by Vontaze Burfict, then punted a football down the practice field and said, ‘Fine me for that.’ [He was fined.]…
“• Released a video where he used audio of Jon Gruden, who didn’t know he was being recorded, which is illegal in California (full disclosure, Gruden has said he gave permission, but the generally accepted theory is that he said that in the hope that it would help get him to show up to the facility and not alienate him.)
“• Demanded a release from the Raiders…
“• Made a lot of crazy tweets saying stuff like ‘Devil is a lie,’ a proverb about burning down a village… he made a lot of crazy tweets around this time is the point here…
“• Signed with the Patriots…
“• The sexual assault allegations came out (the one where he’s getting sued)
“• The sexual harassment allegations came out (the one where he’s not getting sued)
“• Threatened the woman not suing him in a group text that included his lawyer and had a picture of her kids in the text
“• Got released by the Patriots after one week
“• Went off on a tweet storm and said a lot of crazy [things] about a lot of people, and was supportive of people sending threats to the writer of the article detailing the sexual harassment allegations
“• Said he was done with the NFL
“• Went back to college via online classes
“• Tried to outsource his homework to Twitter
“• Wants to come back to the NFL
“• Filed several grievances to try and get more than $40 million from the Raiders and Patriots…
“• Tweeted a couple of bizarre tweets about the Raiders using him for HBO ratings and the Patriots trying to steal his stuff and kept using this weird chicken-based metaphor
“• Tried out for the Saints and brought an entourage and film crew to shoot a music video with him when specifically told not to do that…
“• Tweeted ‘No more white woman 2020.’…
“• Used a bunch of slurs and profane language toward cops in an Instagram video he posted
“• A police youth football league cut ties with him and returned a donation after the release of the video saying there was an ‘irreparable rift’ between the department and AB…
“• Was involved in a dispute with movers at his home, where he allegedly threw rocks at the movers and moving vans. He is currently being investigated for battery by the police…
“• Warrant issued for the arrest of AB…
“• Rumors spread about AB signing with Tampa or Seattle
“• AB announces his retirement (for what I believe is the third time, it’s hard to find a good record of the rest of them.) Two days later, AB wants to play again and is asking for the league to wrap up its investigation
“• The NFL announces an eight-game suspension for AB… under investigation for the bike-throwing incident
“• Allegedly acquired fake covid-19 card. Confirmed to have acquired a fake covid-19 card and subsequently suspended for three games
“• Removed jerseys and pads and threw them in the stands before exiting the game verse the Jets. Was subsequently cut from the Bucs for stripping on the field…”
9. Praising Nazi Germany
“Losing a billion-dollar shoe deal b/c he couldn’t stop talking about how much he loves Hitler,” one user added.
Another user replied, “When Alex Jones is trying to reign you in, you know you’re spouting some crazy [things].”
One commenter shared, “That was such a bizarre interview. Alex REPEATEDLY gave him outs like, ‘As a fashion designer, surely you just appreciated their uniforms, RIGHT?’ And Kanye pretty much says, ‘Nah, I just like Hitler, man.’ Wtf?”
10. Staging a Hate Crime
One user answered, “[Jussie Smollet] is a contender, although many choices exist. He stages a hate crime to gain leverage in contract negotiations… He hires meatheads to do the deed and pays them with a check. Of course, he lied the whole time, then the video turns up, and the DA figures it out.
“But being famous, he pulls strings and escapes prosecution for making a false claim. THEN…the political tide shifts, and he runs his mouth and refuses to reimburse the county for the cost of the investigation. And so the new DA says f- it and prosecutes him, and he gets convicted because he was obviously guilty.”
11. Posting a Video of Violent Death
“Logan Paul posted a full YouTube video of someone hanging in a forest,” one user posted.
Another user commented, “Well, his whole family seems like crap, so no surprise he’s a huge [jerk].”
One Redditor added, “Even worse was that he was in Aokigahara, the ‘suicide forest’ in Japan. It’s unclear why that forest is such a popular place for people to un-alive themselves, but to revel in such a horrible event for internet fame is despicable.”
12. Saying You Could Have Saved Flight 11
One user posted, “Mark Wahlberg saying if he had been on flight 11 (like he was supposed to), it wouldn’t have crashed because he would have killed the terrorists then figured out how to land the plane.”
Another user replied, “So he said what every person in Boston says daily.”
13. Debating Word Definitions
One user shared, “That time Jennifer Garner corrected Conan O’Brien on the word snuck is one of my favorites. The fact that she throws in the bit about him going to Harvard makes it extra delicious.”
Another user replied, “His laugh when pulling out the dictionary to prove her wrong lives in my mind rent-free.”
14. Gwenyth Paltrow’s Goop
“Gwenyth Paltrow and everything she promotes. Here’s a tea made with echinacea, random plants I got from cutting my yard. I stirred it with my [privates]. It’ll cure ED, lung cancer, whatever. Now available at Goop,” posted one user.
Another user replied, “Doesn’t everyone want a $100 candle that smells like my [body]..?”
15. A Math Called Terryology
One user posted, “Terrance Howard ‘invented’ his own math called Terryology.”
Another user replied, “‘How can it equal one?’ he said. ‘If one [times] one equals one, that means that two is of no value because one [times] itself has no effect. One [times] one equals two because the square root of four is two, so what’s the square root of two? Should be one, but we’re told it’s two, and that cannot be.’”
Do you agree with the statements listed above? Share your thoughts!
Source: Reddit.
These are 10 Things That Completely Destroyed The Love in a Relationship
There’s no question that relationships can be confusing, but here are some of the top things to avoid if you want to keep your relationship healthy!
10 Actors and Actresses People Refuse to Watch Ever Again
We all have a favorite actor or actress, but most of us have a least-favorite as well. Check out this list of actors and actresses people never want to see performing again!
Top 10 Worst Human Inventions of All Time
Some inventions are world-changing, and some of them, well, they change the world in the wrong ways. Here are some of the worst inventions Redditors could think of.
10 Famous Celebrities Who Look Like They Smell Terrible
We’ve all had moments of hygiene faux pas—but these celebrities just look like they don’t take care of themselves at all.
10 Terrible Fads People Are Glad Died Out
Every fad has its time in the limelight, but some of them come and go faster than others; and some just need to die out right away. Check out this list of fads of which people were happy to see the last.
Back in January, I was asked, along with four other trendsetters up and down the west coast, to be a part of the Reimagining the Sunset Home project. This involved designing and styling a room in my case two! to be viewed by 25,000 people and featured in the September issue of Sunset Magazine. Let’s repeat: Sunset. Magazine!
Completely shocked, rather terrified and ultimately overjoyed, of course, I said yes! By no means do I claim to be an interior designer. In fact, the only design that I’d done to date is in my own home, but this challenge felt like the ultimate stretch of my styling skills. Now, six months later and the major undertaking completed, as promised, I wanted to share more of my design journey with you. And quite the journey it was!
First up: where oh where to begin!
Sunset gave each designer an inspiration room taken directly out of vintage issues of the magazine they keep copies of all issues of the 100+ year old pub in volumes in an onsite library. I got to see it. It was awesome! Here was my inspiration room: a 1970’s rumpus room, complete with hammock! And I think my mom’s house still has that same rug, btdubs.
I immediately knew I wanted to modernize the idea of a rumpus room, since nobody has them anymore! I liked the idea of a room that still brought the family together, but with a twist on today’s way of life: No TV, no iPads, no phones. No electronics whatsoever! I wanted to create a space where a family can hang out and play games, read and just “be together.” The idea of an Unplugged Den was born.
Like most people these days, I started my design process off on Pinterest. I created two different boards- one for the Unplugged Den and one for my second assignment, a Home Office you can see the boards here!. I began dumping in inspiration images that went with the theme and soon saw a pattern of different elements I wanted to feature in the rooms: games, oversized art, comfort, and a cubby wall!
Since I was also given the task of designing the office without an inspiration image as home offices didn’t really exist in the ’70’s!, I wanted the two spaces to feel connected. Keeping with the-family-together-time theme, I decided to design an office where parents could work and children could do homework all at the same time. Again, I wanted things clean and white, with a touch of whimsy and a little dose of glamour my dream office in the back of my mind and all.
With a clear direction of where we were going in hand, the hard part came: designing layouts and finding the perfect pieces to fit within them. We hit the streets and searched the internet high and low for items that were reminiscent of those in our inspiration boards and we stumbled across some amazing finds!
No stay tuned, as next week we’ll break down the sources of some of our favorite pieces that made it into the final designs.
image by norman a. plate courtesy of sunset magazine
Have you ever recognized benign habits that you wish you could give up, but they seem pretty harmless? You’re not alone. Many of us have compulsions, addictions, and unhealthy habits that can affect every aspect of our lives—and they’re often overlooked due to their subtle nature. From eating too much sugar or ice cream to checking one’s social media notifications several times a day, the need for instant gratification has taken its toll on society today, leading many people down an unhealthy path without even noticing it.
In this blog post, we’ll be exploring the top 13 addictions and habits that everyone should be aware. If you’ve been looking for ways to make positive changes in your life and reduce stress, then dive into this comprehensive list!
1. Checking the News
One Redditor shared, “NEWS addiction.”
Another replied, “People get addicted to the cortisol hit from getting outraged, so a lot of news outlets realize they just need to keep the cortisol flowing. Edit: Per comments, I changed ‘dopamine’ to ‘cortisol’.”
One commenter added, “It’s neurologically a very similar addiction to gambling. In both cases, it’s less about getting something positive and more about getting something negative and then feeling they have to cancel or counterbalance the negative with a positive… that always seems just out of reach but never seems to come. So they dig themselves a hole of negativity.”
Another user posted, “A few years ago, I realized it was taking a toll on me. The first thing I’d do when I got up was check the news, then periodically check it throughout the day, and it was frequently the last thing I did before falling asleep. So, I just decided I have to check it maybe once or twice to stay informed, but that’s it. I even hid political subreddits, so I won’t see them unless I actively go to them.
“There’s just no reason to be glued to the news all day long. That much anger or depression or whatever is no good for your mental well-being, and it’s very rare that something is going on in the world where you need hourly updates. I think most people would be a lot happier if they cut back on gorging on news and politics.”
“YES! Absolutely. Especially the doom-scrolling and sensationalized side of things. I’ve just written a much longer comment about this, but it creates a physical dopamine dependency and changes habits,” replied another user.
2. Justified Outrage
One user posted, “Outrage is an addiction. Some people seek it out, actively searching for a reason to hate their neighbors just so they can get their hit of dopamine. It feeds news addiction, tribalism, and eventually extremism. It’s the source of so much violence, so many divided houses and ruined lives, but we do nothing to curb it.”
“I remember my uncle, who had a history of domestic violence to my aunt before she passed of cancer, told the family he has an anger problem. My dad said, ‘But you’re able to keep it together every time a cop is around.’ The look on his face and the dead silence… An anger issue is not an excuse,” another replied.
One commenter added, “My Dad was always going on violent outbursts, literally every day. Remember a few times their doorbell would ring, and he’d flip to being charming in a split second. It’d be salespeople, charity collectors, and even Mormons. He was always extremely polite, and they probably saw him as one of the most pleasant people he encountered. Pure sociopathy.”
3. Shopping
“Shopping,” one user posted.
Another user replied, “I just got back this month after being in rehab for 2 months for weed, alcohol, and [other drugs], and at my therapy, they asked me if I noticed any cross addictions. I told my therapist I think I have a shopping addiction, and she told me it’s a common addiction that goes unnoticed way too many times.”
One user confirmed, “My hoarder mother 1000% has a shopping addiction.”
Another Redditor said, “My MIL is a hoarder, and it is ridiculous; she has 3 storage units (one she’s had for 20+ years), her home, and my husband’s grandmother’s garage full of her sh-t. We have tried to help clean out the garage, but MIL always has to be there when we try and has to go through every single box/bag/etc, and physically touch every single item. 9 years and the garage still has not been cleaned out.”
4. Video Games
One online user shared, “I always laughed at the idea of video game addiction. It sounded so overblown until I met a guy who honestly defined it for me. We used to chat and hang out weekly. He quit his job and now just lives at home with his mum, mooching off her to sit in his room and play games for close to 16 hours a day. After refusing to hang out long enough, I just gave up on him.”
Another user exclaimed, “FINALLY, I found someone who mentioned video games. I grew up gaming, I absolutely loved playing them throughout my entire childhood and into adulthood, but I have seen addiction to video games absolutely destroy people. Part of me is glad that I simply don’t have the time to play them much anymore. Maybe an hour or two a week. But I know adults in their 30s and 40s who are still obsessed, to the point of not wanting to do anything else.”
5. Addiction to Phones
“Phone addiction—no explanation needed,” one Redditor shared.
Another user added, “My stomach drops every time I see my daily average screen time. It’s hard to realize how much time you spend scrolling until you actually see the numbers.”
One commenter said, “That’s why I turned screen time off. I don’t need that type of negativity in my life, lmao.”
Another user added, “My phone addiction varies based on my mental health state. I’ve been in a depression that has apparently become a downward spiral, according to my therapist. I’m capable of doing the bare minimum to keep my kid alive, and then I live on my phone the rest of the time. I’m even on it at work. My therapist wants me to be an inpatient, but the idea of not having my phone for even the three-day minimum stay has me freaking out.”
6. Sleeping to Escape
One user shared, “When my depression is terrible, I’d say sleep. It’s a free, safe way to escape but ultimately feeds the depression, becoming a destructive cycle. It doesn’t sound that bad, but it’s consuming. Edit: Some people are confused, so I’ll clarify. It’s not because of a lack of rest. It’s not the sleep itself; it’s the dreaming (aka escape). A different ‘reality’ that feels very real and isn’t this one. Maybe I’m just not explaining it right, but yeah.”
Another user replied, “Thank you for saying this! I was labeled as a typical ‘lazy teenager,’ and it wasn’t till I was in my final year of uni that a friend asked if I was OK and explained oversleeping as a symptom of mental health issues.
“The truth was I was so miserable I just didn’t want to be conscious and experience it. Better to be asleep with a teeny tiny hope that I might feel a bit better when I woke up. I had virtually no awareness of mental health issues then and therefore had no vocabulary to articulate how I felt. I feel sad for that lost time, but at least I can recognize it now for what it was.
“Edit to add: this has, unfortunately, resonated with a few people. Keep your chin up; it can and does get better eventually. Get help from your support network of friends and family and professional help. I hope you feel better soon.”
“Well said. There are days I can sleep 4-5 hours, be productive and alert, and just kill it. Then there are days when I sleep at least 11+ hours and on my phone the other 13 while doing the BARE minimum to skate by, realizing that. Hey! You’re not eating better; the 50ish pounds you lost in 3 months is from depressively not eating. I hate being depressed and all the extra stuff it brings that makes life even harder than it is,” one user responded.
7. Workaholism
One Redditor posted, “Work Addiction—most people will say they dislike working extra, but the responsibility you feel towards your co-workers and the purpose work gives your life can make you work more than you should. Source: addicted to work.”
One added, “I worked for one manager who literally had an addiction to work so bad it was ruining her life. She was a recovering drug addict, and I guess staying busy helped her cope, but she just traded one addiction for another.
“We worked for a corporate retail chain; she would be the first one there and the last one to leave every day, and she never scheduled herself a day off. She would clock herself out when she hit her 40 hrs to avoid getting flak from her management, but she was easily working 110+ hours a week, and more than half of that was unpaid.
“Her family, her ex-husband, and her kids would come by periodically and try to get her to go home, and her entire staff, including me, constantly tried to get her just to go home, but she was afraid the place couldn’t run without her present for even a second. It was really sad because we could all see her obsession with being there was destroying her mentally and physically, as her sleep had to have been horrendously impacted since she was there 15-16 hours a day.
“I spoke with HR about it, and they said they had already been aware of it for some time and that they weren’t going to do anything about it. That incredible amount of incredulity and not giving a shit about the super illegal and dangerous fact that they were letting an employee work for free for 70+ hours a week were obviously huge red flags for me, so that was my last day.
“A couple of years later now, she still works there, and this is still happening.”
8. Addiction to Junk Food
One user shared, “Junk food. Sugar. Soda. I am addicted to these things and wish to break that habit.”
Another confirmed, “I quit smoking quite easily, but I cannot for the life of me quit sugar. So much harder, in.”
“I think I just swapped my after-dinner cigarette for after-dinner chocolate. Doesn’t matter how satisfying the meal was. I still crave some chocolate later,” one user replied.
Another user shared, “Apologies in advance for the unsolicited advice, but your comment hit a chord with me. Is it specifically chocolate you crave? ’cause I used to crave chocolate constantly. It got to the point where I’d buy the cheapest milk chocolate bars from my grocery store and eat a couple of pieces every day, trying to limit how much chocolate I was eating but also trying to stop the constant craving for it.
“Supposedly being low in magnesium can cause chocolate cravings. I figured more magnesium couldn’t hurt, so I started eating more food with magnesium, and the craving went away! I still have a massive sweet tooth, and I love chocolate, but that never-ending chocolate craving has stopped, thank goodness.
“Maybe something to try if it seems relevant to you? I know this is just a very unscientific anecdote; maybe it was something else going on with me that just naturally stopped. Maybe the slight changes in my diet I made solved it in some other way. Who knows!”
9. Social Media
“Social media addiction,” one user responded.
Another user replied, “Including Reddit. Source: Reddit addict.”
“Yup. I spend way too much time on this stupid app,” one user confirmed.
One user commented, “I tell myself I’m learning new stuff every day. Then my wife asks me to tell her something new and interesting I found on Reddit, and I can’t think of a single thing.”
10. Dermatillomania
One Redditor commented, “Skin picking, aka, dermatillomania. It’s so overlooked that our society has glorified it. We have a show called Dr. Pimple Popper! Wtf!”
Another user commented, “I wish I could replace that [terrible] habit somehow.”
One user replied, “Same. I don’t get the Dr. Pimple Popper thing. Mine is picking at any skin that is not smooth on my skin. On the scalp, around my nails, blemishes on my face, arms, and chest. If I have a scab, that will take forever to heal because I do it subconsciously on occasion and even do it at night when I’m asleep, no matter where it is on my ‘pick zones.’ Something in my mind says if I pick it, I may reveal healed areas beneath it… and then it starts all over again once it starts bleeding. Looking at it typed out is really disturbing, tbh. But I’m proud that I stopped picking at my lips!!!”
11. Tribalism
“Tribalism. People become indoctrinated and too engrossed to realize it. People become so addicted they choose to kill over sports, vehicle types, religion(s), politics, etc… and it’s by design. People act less intelligent when they’re a part of a group. (Mob mentality).
“Edited because syntax/grammar police attacked my auto-fill. Proofread everything, kids,” one user shared.
One Redditor replied, “Outrage is the addiction; tribalism is just one of the many crack pipes through which it is consumed. People are seeking Outrage. Tribalism gives a sense of legitimacy to the Outrage.”
12. Nasal Spray Addiction
A user posted, “Nasal spray. There are plenty of other, much worse things I could shove up my nose, but still. I can’t breathe through my nose without it, and I can’t stand that it’s like this.”
One user replied, “I’ve been there! It’s pretty fast to reverse the dependency, though—you can switch to saline or Neti pot for a couple of days to get you over the hump, but I’ve found my nose clears up after 2-3 days without it. 2-3 VERY uncomfortable sleepless days, mind you.”
The OP responded, “I’ll have to give that a shot! Thanks!!”
13. Addiction to the Gym
One of the online users shared, “Gym addiction. It’s the only thing keeping me sane these days. Started because I wanted to gain muscles, now the thought of taking a prolonged rest is quite dreadful.”
Another user replied, “The rest is so true. It’s so difficult to let yourself rest, even if it’s just for a week. Interestingly, sometimes you end up coming out of the rest week stronger than if you’d kept lifting through it, too!”
“This is something I learned while I was a soldier. I struggled at first with my PT tests, so I worked out all the time. Eventually, someone told me that rest and recovery were basically as important as working out and that I NEEDED to let my body rest and heal. Lo and behold, I was stronger and faster after rest breaks because my body was actually recovered and I could properly use the strength and speed I had been working on building in the gym,” one Redditor commented.
Do you agree with the things listed above? Share your thoughts in the comments!
Source: Reddit.
These are 10 Things That Completely Destroyed The Love in a Relationship
There’s no question that relationships can be confusing, but here are some of the top things to avoid if you want to keep your relationship healthy!
10 Actors and Actresses People Refuse to Watch Ever Again
We all have a favorite actor or actress, but most of us have a least-favorite as well. Check out this list of actors and actresses people never want to see performing again!
Top 10 Worst Human Inventions of All Time
Some inventions are world-changing, and some of them, well, they change the world in the wrong ways. Here are some of the worst inventions Redditors could think of.
10 Famous Celebrities Who Look Like They Smell Terrible
We’ve all had moments of hygiene faux pas—but these celebrities just look like they don’t take care of themselves at all.
10 Terrible Fads People Are Glad Died Out
Every fad has its time in the limelight, but some of them come and go faster than others; and some just need to die out right away. Check out this list of fads of which people were happy to see the last.
Sometimes you need a little guidance — especially when it comes to your money. After all, mistakes can cost you your financial future.
If you happen to live in Chicago, you not only have access to deep-dish pizza and Chicago Cubs games, but you have access to some of the best financial advisors in the country.
Here are eight of the best financial advisors in Chicago to help you forge the path ahead.
What’s Ahead:
Overview of the best financial advisors in Chicago
Asset requirements: Mindful Money Financial Counsel does not have investment minimums.
Typical fees: Initial planning fees start at $600; a written plan of normal complexity is $3,600. You can sign up for a Wealth Builder membership, which is $60 per month and hourly support is $300 per hour.
Whether you’re looking for small tweaks or a complete game plan, Mindful Money Financial Counsel is ready to help you. This Chicago-based firm operates on a fee-only basis, so you know their advice is objective and not based on whether they’ll get a commission by signing you up for something you may not need. Plus, their approach is holistic and there are no investment minimums.
You don’t have to sign over any of your money to them, and you can lean on them as much or as little as you need: hire them for a one-time session, or keep them on year after year to help shape your finances as life progresses.
Asset requirements: Basil Financial does not list an account minimum required.
Typical fees: Basil Financial Group are fiduciaries, meaning they are bound to advise in your best interest — not theirs. They operate on a fee-only basis, so you don’t have to worry that they are trying to sell you something so they can earn a commission.
Basil Financial Group is a Chicago-based firm that offers integrated financial planning services, including planning, investments, and taxes.
Basil Financial Group takes a holistic approach as well, so that all your decisions affecting your finances work seamlessly together.
Typical fees: The Planning Center is a fee-only, fiduciary firm.
At The Planning Center, which has offices in Chicago as well as New Orleans, Tulsa, Fresno, Quad Cities, Twin Cities, and Anchorage, you have access to 232 combined years of experience. The Planning Center’s team gives you a safe place to discuss your finances and figure out your goals.
Asset requirements: Veo Financial doesn’t advertise a minimum investment level, but does say they’re happy to advise clients who want to control their own investments in addition to those who want to turn it all over to an expert.
Typical fees: For a one-off session, expect to pay about $420-$630. Retiree resource planning typically starts at $1,050 and a full portfolio review can be $2,220 and up.
Garrett Investment Advisors connects clients with fee-only, fiduciary financial planners in offices across the country. Leisa Aiken, founder of Veo Financial Counsel, is a member who operates out of Chicago proper. Veo Financial Counsel offers a range of services to fit your budget and your needs.
Lake Life Wealth Advisory Group
Contact: (224) 286-1625 or patti.hughes@lakelifewealthadvisorygroup.
Typical fees: Lake Life is a fee-only, fiduciary advisor, earning no commissions on their recommendations and putting your best interests first. Annual retainer fees range from $3,000 to $20,000, depending on net worth, services needed, and other factors.
Patti Hughes of Lake Life Wealth Advisory Group is a fee-only financial planner who serves clients both Chicago-based and nationwide. She provides comprehensive financial planning services to clients in all financial situations.
Typical fees: Crescendo is a fee-only firm, and they offer no-cost consultations so you can see if their services are a good fit for you.
Actually located in Oak Brook, IL, just outside the city, Crescendo Financial Planners believes your investment portfolio is just part of the picture. They too take a holistic approach to your finances, helping you plan all the different parts of your financial life so they integrate effectively.
Services offered: Tax planning, employee benefit plans, investment management, saving for education, saving for a home.
Asset requirements: None listed.
Typical fees: Mentor Capital is fee-only. Fees for investment management range from 0.5% for very large portfolios to 1% for smaller portfolios. Financial planning fees depend on the complexity of your situation but will be spelled out at your initial meeting.
Mentor Capital Management offers comprehensive financial planning services and investment advice. Founder and principal John S. Davis is a NAPFA-registered Certified Financial Planner and has been helping people grow their money since 1991.
Asset requirements: DeRose does not require any minimum income or net worth to work with them.
Typical fees: DeRose charges a flat fee, which is quoted at your initial meeting. It may depend on your net worth and the complexity of your financial situation.
DeRose Financial Planning Group is a holistic firm serving the greater Chicagoland area. They were founded by Karen DeRose, CFP, CRPC.
Summary of the best financial advisors in Chicago
Advisor
Help with
Contact info
Mindful Money Financial Counsel
• Student loan pay down • Investing • Retirement • Tax optimization • General financial optimization
8755 West Higgins Road Suite 200 Chicago, IL 60631
(773) 380-8523
How I came up with this list
This list of top Chicago financial planners was created to focus on the needs of young professionals.
Companies focused on only high-net-worth individuals did not make this list, in order to be more inclusive of all incomes and backgrounds. I also wanted to make sure each company abided by the following:
They are Certified Financial Planners
All of the advisors on this list are Certified Financial Planners (CFP), a designation that lets you know that they will be focused on your bottom line — not theirs.
They are fee-only
I excluded brokers that sell by commission to focus on fee-only advisors. With commission-based brokers or advisors, you may be pressured into an investment or other product because they stand to benefit from the commission. With fee-only advisors, you pay a flat rate no matter what their recommendations include.
They accept all income levels
There is no sense in recommending a financial planner that caters only to high-net-worth individuals, because many times people at the start of their careers still need financial advice, even if their income hasn’t caught up to their plans yet.
Although all material has been double-checked against published information, you should take special care to make run your selection through FINRA’s BrokerCheck system for the most up-to-date information. FINRA is the regulatory agency dedicated to protecting investors and can tell you if a broker is legally registered to be able to sell securities or give investment advice. You can also check FINRA’s Barred Individuals list if you are curious about your broker.
What questions should you ask a financial advisor?
No matter who you choose, it’s important to ask a few key questions before you commit to hiring a financial planner.
Are you certified?
Are you a fiduciary?
How do you receive compensation for your services?
What is your fee structure?
Are you a member of any financial planner associations or membership groups?
What is your education or background?
Do you require a minimum income or asset level?
Do you require an ongoing commitment, or can I hire you for a one-time consultation?
What is your investment philosophy?
What are the costs of hiring a financial advisor?
Hiring professional help isn’t free. Understand what the typical costs and expenses are in hiring a financial advisor so you know what to expect when you hire them.
You’ll be able to schedule an initial consultation, which is a time for you to “try out” the advisor and see if you like them as well as get a feel for whether there is a personality fit. Use this time to ask them questions about their philosophy, their methods, their fee structure, and everything else pertinent to your situation.
After that initial consultation, expect the advisor to charge an hourly fee for their advice and assistance, usually at a rate of a couple of hundred dollars. Some may be more, some may be a little less. Ask them for a declaration sheet, which should disclose their rates, fees, and other charges.
A typical, comprehensive financial plan from a certified financial planner should cost about $1,000 or $2,000, but an exceptionally complex financial situation could cost more.
When it comes to managing your investments, an advisor will typically charge a percentage of the assets under their management: usually about 1%. That is an incentive for them to help you grow your wealth, because the more returns you receive, the more they are paid. So if you have $100,000 invested, they would take $1,000 as a fee.
Warren Buffett is one of my heroes. He’s the second-richest man in the world, yet he lives more frugally than I do. CNBC recently broadcast an interview with Buffett. Naturally, it’s been posted to YouTube. Here’s the show in its entirety (with notes and excerpts I made while watching). [Update March 7, 2018: The show is no longer available online]
As a kid, Buffett would go door-to-door selling chewing gum and Coke. He’d buy six bottles for a quarter, and then sell them for a nickel each. He bought his first stock at the age of eleven. He bought a 40-acre farm at the age of fourteen using money he had saved from a paper route.
Some of his fundamental tenets for investing are:
Patience pays: buy ’em and hold ’em.
Invest in businesses you understand.
Look for businesses with “durable competitive advantage”.
Look for honest, able management.
Buy at a reasonable price.
Buffett notes that students today have a better standard of living than John D. Rockefeller once did. “Really getting to do what you love to do everyday — that’s really the ultimate luxury… Your standard of living is not equal to your cost of living.“
Buffett is happy if he can have a big-screen television, a bucket of popcorn, and sit in his sweats watching Nebraska football games. “The second-richest man on the planet lives the way he invests: simply and without much fuss.” He eats burgers, fries, and cherry cokes. His doctor gave him a choice: eat better or exercise. He chose to exercise.
CNBC: “You’re not one to accumulate a lot of things.” Buffett: “No. Most toys are a pain in the neck.“
Aswath Damodaran, a professor at NYU’s Stern School of Business says: “I think what Warren Buffet embodies is the importance of thinking for yourself, not letting other advisors, other experts, tell you what the right stock to invest in, because they’re coming from a very different place than you are.” In other words: do what works for you!
Buffett hasn’t made a penny off all the products that are pitched using his name. His favorite book about himself is by Lawrence Cunningham, The Essays of Warren Buffet: Lessons for Corporate America. (The same author wrote How to Think Like Benjamin Graham and Invest Like Warren Buffett, which also looks interesting.)
CNBC: “What is the one thing that young people should be doing about money?” Buffett: “I tell them two things, generally. One is stay away from credit cards… The second thing I tell them is to invest in themselves.”
CNBC: “What’s the number one thing you’ve learned from doing business with Warren Buffett?” Business Owner: “Ethics.”
CNBC: “What is the Warren Buffett secret to success?” Buffett: “If people get to my age and they have the people love them that they want to have love them, they’re successful. It doesn’t make any difference if they’ve got a thousand dollars in the bank or a billion dollars in the bank… Success is really doing what you love and doing it well. It’s as simple as that. I’ve never met anyone doing that who doesn’t feel like a success. And I’ve met plenty of people who have not achieved that and whose lives are miserable.”
You can find more information on Warren Buffett at The Warren Buffett fan center.
Eleanor wrote with a question that could test even the mightiest personal finance expert. “What,” she asks, “can you do when you want to save money and your roommates don’t care?”
I share a house with four roommates. This saves me at least $200 a month from what I would be paying if I lived in an apartment. But roommates raise expenses in other, unexpected ways. I have been trying to cut down on monthly bills and am finding it incredibly difficult.
For example, I live with roommates that want digital cable and high-speed internet bundle. I can live without the cable (I don’t watch TV) and don’t mind having a lower-speed connection. But because three of my five roommates want the more expensive package, that’s what we get, and instead of splitting a $60/month bill five ways we’re splitting a $100/month bill. I end up paying more money overall. While I can simply not watch cable and argue with them that I won’t pay for that fractional cost of the bill, there’s no way I can somehow use a lower speed internet connection without some serious technological finagling.
Another way I find it difficult to cut down on monthly bills is electricity usage. I try to turn off lights, appliances, the air conditioner, and my computer when I’m not using them. My roommates would prefer to leave their computers and air conditioner on and are not as vigilant as turning off lights. The electricity bill is higher, but it still gets split five ways. Again, I have no idea how I would go about dividing the bill by individual electricity usage — how would you even start to go about measuring such a thing, when no one remembers who left the kitchen light on?
But perhaps I’m being too nitpicky — as annoying as these extra expenses are, I doubt they make it worth moving to an apartment.
It’s been a l-o-n-g time since I lived with roommates — wife and cats notwithstanding — and I’ve forgotten some of the stuff that occurs. I certainly remember the passive-aggressive games we used to play out of spite, but I think that, in general, I never had a living situation in which splitting money was an issue.
AskMetafilter often has roommate-related questions. Many of them involve money problems, but none that I could find involve this sort of problem. Though it doesn’t address Eleanor’s specific concerns, UK-based iOWEYOU looks like a great little web tool for tracking roommate accounts:
iOWEYOU is an expenses sharing calculator. It is ideal for people living in a shared house. To use iOWEYOU, you log all the items you buy that you share with your group. This may be bills, food shopping, light bulbs, TV license, etc., etc. iOWEYOU then tells you how much you all owe each other.
What general advice do you have for keeping money matters between roommates peaceful but fair? What specific advice do you have for Eleanor?
A few weeks ago I wrote about my realization that I have too much Stuff. For two decades, I had been a willing participant in our consumerist culture, buying books and magazines and video games and compact discs and George Foreman grills. After twenty years of this, all I had to show for it was a mountain of debt and a home filled with Stuff.
Recently, Kris and I have been working to purge our Stuff. While we’ve discarded some of it as trash, we’ve also managed to sell some of it. We’ve donated some of our Stuff to charity. We’ve given other Stuff to friends.
At first this was painful. Then it became appalling. It was shocking to think that I’d paid tens of thousands of dollars to buy this Stuff, and then paid even more in interest fees. Now I’m casting much of it aside, shipping it off to a landfill.
This has made me realize that Stuff has more than just a personal financial cost. Every time I buy something, it has an impact on the world around me. When I buy a new kitchen appliance, for example, there’s an environmental cost for the manufacturing process, for the packaging, for the transportation, and for the marketing. By reducing my role as a consumer, couldn’t I help myself and help the environment? Here are five strategies that I’ve developed to help me accomplish both goals at once:
Reduce your consumption — buy less stuff. Such a simple notion, yet so powerful. The less you buy, the less money you spend. When you buy less, you’re also reducing your environmental impact. Buying fewer things means a little more money in your pocket, and a little less pollution in the world.
Reuse the things you have. Last week, Amanda encouraged us to get value from the things we own. Before you buy a new computer game, ask yourself if you’re finished playing the last one you bought. Before you buy a new bicycle, consider taking your old bike in for a tune-up instead. If you currently buy disposable diapers, disposable razors, or paper towels, consider switching to re-usable alternatives.
Recycle the Stuff you no longer want or need. If you replace your 1996-era 19″ Sony television with a new widescreen model, don’t set the old TV out in the trash. Find another home for it. Put it on Craigslist. Set it outside with a “free” sign on it. If you really want to save money, place yourself on the other side of the equation: look for Stuff that people are getting rid of. You can find nearly everything you need for much less than you’d pay new. You just need to know where to look!
Embrace imperfection. We like the things we buy to be perfect. But that perfection comes at a price, both financially and environmentally. Learn to look beyond the surface:
Hand-crafted goods may contain minor imperfections.
Organic fruits and vegetables often have visible blemishes that do not affect the quality of the food.
The things you find at garage sales and thrift stores will often require mending.
All of these flaws can be disconcerting at first, but in time you may find yourself wondering why they once bothered you.
Pursue quality. I used to buy a pair of $3 gardening gloves every spring because I didn’t see the sense in spending more. They’d work fine for a couple months, but by the end of the summer, they’d be worn to pieces. Then one year I bought a $15 pair of gloves. I haven’t bought another pair since. We often assume the least expensive option is the best way to save money. That’s not always the case. Quality items usually have a higher initial cost, but the total cost of ownership can be much less than a cheaply-made equivalent.
These rules can be difficult to follow — I’ve been working on some of them for years. Most of the time, I still think like a consumer. But because it’s important to the environment, and because it’s important to my bottom line, I’m willing to keep trying.