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How To: Decorate for the Holidays

How Do the Pros Create Holiday Magic? (Yes, You Can Try This at Home.)

Whether you’re a minimalist, a maximalist or agnostic about holiday decorating, these designers have some suggestions for you.

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CreditCredit…Stefano Ukmar

Dec. 1, 2023

It’s that time of year again. The Thanksgiving leftovers are gone, and the December holidays beckon.

Yes, it’s time to decorate.

Whether that means running wild with ribbon and lights, breaking out the family heirlooms or bringing in greenery and flowering bulbs, there are few firm dos and don’ts. But the goal is always the same: creating a festive environment that makes you happy, whichever holidays traditions you observe.

To see how the professionals do it, we followed a few — Jung Lee, an event designer; Elizabeth Roberts, an architect; and Peter Pennoyer, an architect, and his wife, Katie Ridder, an interior designer — as they prepared for a month of celebration.

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    When Jung Lee, the founder of the event-design firm Fête and the Manhattan home and gift shop Jung Lee New York, decorates her TriBeCa apartment for the holidays, she lets herself get a little carried away.

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    Elizabeth Roberts enjoys decorating for the holidays, but you won’t find much in the way of traditional Christmas decorations at this architect’s brownstone in Clinton Hill, Brooklyn.

    “I don’t typically go all out,” said Ms. Roberts, 54, who shares the home with her husband, Michael McKnight, 55, their son, Dean, 14, and a rescue dog, Ace. “We typically don’t have a tree here. Or, if we’re hosting Christmas, we’ll often get a tree just the day before, and it comes down right after that.”

    germination plate, a small ceramic disc with a hole in the center that can be placed above a glass vase, tumbler or jar to hold a bulb. (Spoiler alert: If you think you’re on Ms. Roberts’s holiday gift list this year, keep an eye on your mailbox.) “You start it at the beginning of December,” she said, “and by the end of December, it’s usually blooming.”

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    For years, Peter Pennoyer and Katie Ridder used the holidays as an opportunity to travel with their children, Jane, now 30, Tony, 28, and Gigi, 23.

    That meant “we often wouldn’t have as beautiful a Christmas tree,” Mr. Pennoyer, 66, said. “I remember one year in Hawaii when we ended up with something from Home Depot that was pink and about 19 inches tall.”

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    Source: nytimes.com

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    The South End is a unique neighborhood. Like many in Boston, it is built on reclaimed marshland. But the modern-day South End is a bustling, vibrant, diverse district filled with hipsters and doctors and old school Bostonians, trendy eateries and dive bars and pricey mansions and housing projects.

    The South End is alive with public parks and green spaces, restaurants and vintage clothing shops, mansions and South End apartments. Even before its swaths of gentrification, it was a haven for the LGBTQ community.

    But its most distinguishing feature is its Victorian-style row houses. In fact, South End, Boston’s 300-acre district of original Victorian homes which is the largest collection in the nation.

    Where is the South End in Boston?

    Despite its name, the South End is not the south end of Boston. South End is not even directly south of downtown, that’s reserved for Southie. Sure, there was a time when the South End was the southern limits of the city, but that was back in the days when most of Boston was tidal marshes.

    Source: Rent.

    The South End sits southwest of downtown, with Chinatown forming its northern border. Back Bay and Fenway-Kenmore are along its western side. Roxbury (and more specifically Lower Roxbury) is to its south. And, yes, South Boston is to the east. The Mass Pike and the I-93 Central Artery join at the northeast corner. Melnea Cass Boulevard and the Massachusetts Avenue Connector are along South End’s south end. The Boston & Providence Railroad and the Southwest Corridor Park form its northwest border.

    Tremont and Washington Streets and Columbus Avenue are the primary east/west thoroughfares. The South End, Boston ZIP Code 02118 covers most of the neighborhood.

    South End overview

    The South End in part is as homey and traditional Boston as the old neighborhoods of Southie. It’s also in part as buzzy and hip as Fenway–Kenmore. And parts are as upscale as the best of Back Bay.

    It’s the South End’s diversity that keeps it fresh and unique. Every block of South End is distinct from every other, and a plethora of different people, cultures and economic backgrounds exist.

    • Studio average rent: $2,586
    • One-bedroom average rent: $3,304
    • Two-bedroom average rent: $4,590
    • Walk score: 95.17
    • Bike score: 84.82
    • Transit score: 93.29

    Living in the South End

    So what is it like living in South End, Boston? It’s a diverse and distinct neighborhood. There are many whites as non-whites, and represents backgrounds and cultures from across the globe. It’s hip and traditional, upscale and down to earth. It’s family-friendly and LGBTQ-friendly, with gritty old-time New Englanders and young couples.

    The South End is convenient and lively, full of things to do and places to go. And wherever you are, it’s easy to get to.

    Demographics

    The South End has always been diverse. It has Irish, Lebanese, Greek, Puerto Rican, Jewish and Black communities, many dating back to the 1880s. Today it is home to many immigrant and ethnic communities, young professionals, long-time residents and a significant LGBTQ presence since World War II.

    The neighborhood has both wealthy and low-income sections, with an average income nearing $60,000.

    Despite gentrification, the neighborhood remains nearly 50/50 white versus non-white, including nearly equal populations of Black, Latino and Asian-American residents.

    The median age is 36, just below half live alone and just over half are college grads.

    Education

    The South End is home to the McKinley Schools, a collection of institutions for kindergarten through graduation, including the McKinley South End Academy. Blackstone Elementary School matriculates students through fifth grade. Josiah Quincy Upper School operates from sixth through twelfth grade. These are all public institutions within the Boston Public Schools system.

    The Benjamin Franklin Institute of Technology is a private college for engineering and industrial technology. It was founded in 1908 with funds from Franklin’s will and a gift from Andrew Carnegie.

    Safety

    Previously, the neighborhood was one of the most dangerous in the city. Today, with its economic diversity, the South End is broader, with both safe family-friendly blocks and risky streets near subsidized housing.

    In general, it has relatively low rates of violent street crime compared to other nearby neighborhoods. Property crime is also on par with Boston in total.

    Sidewalks are readily available and the streets are mostly well lit.

    Recreation and entertainment

    The South End is known for its lush and accessible green spaces. The neighborhood features 11 residential parks, many of which are English-style squares featuring fountains and cast iron fencing. There are a number of pocket parks and community gardens as well.

    Some of the best trendy restaurants and cafés dot the South End, including the original J.J. Foley’s Café which dates back to 1909. The neighborhood is ranked the second-best for restaurants in all of Boston. It also has a lively bar scene, especially of the dive variety. Jazz it up over at Wally’s Café, one of the nation’s oldest jazz clubs.

    Galleries abound, particularly in the SoWa (South of Washington) Art + Design District. And nearby, don’t miss the SoWa Open Market for everything from luncheonettes to art galleries with food trucks and pop-up beer gardens.

    The South End also a shopper’s haven, including high-end florists, vintage clothing, twee furniture and even fresh meat at the iconic The Butcher Shop.

    Transportation

    The MBTA Orange Line runs along the northwestern border of the South End. Ruggles, Massachusetts Avenue and Back Bay stations all serve the neighborhood. As well, the T stations on the Green Line at Copley, Symphony and Prudential in Back Bay are just a block or two away. MBTA commuter rail trains stop at both Ruggles and Back Bay stations along the Franklin, Needham, Providence/Stoughton and Framingham/Worcester lines. And the Silver Line bus rapid transit to downtown runs along Washington Street.

    The South End is reached easily by car. The neighborhood is accessible off the Massachusetts Turnpike Exit 22 Dartmouth Street at Copley Place and Exit 24 at South Station.

    Medical care

    The South End is Boston’s premier medical district. The original Boston City Hospital opened in 1864 and merged with Boston University Medical Center Hospital in the 1990s to create Boston Medical Center.

    Today, BMC is the largest Level I trauma center in New England. The Boston University School of Medicine, which uses BMC as its teaching hospital, is next door. Nearby is the South End Community Health Center offering affordable comprehensive healthcare and community services.

    Because of the number of hospitals and medical facilities nearby, the South End is a popular neighborhood for doctors and medical professionals to call home.

    10 things to do in the South End

    There is so much to do in South End, Boston, you could find a different activity, eatery or event for every weekend day of the year, no matter your tastes.

    1. Go shopping for the best vintage men’s clothing and accessories in Boston at SAULT New England.
    2. Swing to hot jazz and cool standards at Wally’s Café, the former Wally’s Paradise, one of the oldest jazz clubs in America.
    3. Take a selfie in front of the former St. James Hotel, now Franklin Square House Apartments. The familiar exterior was used for the fictional St. Eligius Hospital on the Emmy award-winning television series “St. Elsewhere.”
    4. Brunch with your BFFs and catch up on the week at South End Buttery bakery and coffee shop.
    5. Join a pickup game of ultimate Frisbee or hit a few tennis balls around at Carter Playground.
    6. Take in a show and the history at the Boston Center for the Arts’ Cyclorama which dates back to 1884 and is the headquarters of the Boston Ballet.
    7. Christmas shop at the SoWa Winter Festival, in South End’s South of Washington district, a holiday village and market featuring handmade gifts, winter cocktails, popup galleries and ice sculptures.
    8. Enjoy some of Boston’s best vegetarian, vegan and gluten-free meals at Five Horses Tavern South End.
    9. View all the Victorian-style homes along the 300-acre Victorian rowhouse district, the largest intact collection in the nation.
    10. Bring your pooch for a stroll, or just pup watch, at the 13,000 square feet off-leash Peters Park Dog Park.

    Finding an apartment in the South End

    The South End isn’t the cheapest place to live in Boston. But there are certainly places in the neighborhood more affordable than much of Back Bay, Fenway-Kenmore and the gentrified areas of South Boston.

    The district is as diverse in its housing as it is in its people. You can find full-house rentals, rowhomes to lease and a slew of South End, Boston apartments.

    Just be prepared to have a lot of visitors because everyone is going to want to spend time with you exploring one of Boston’s best neighborhoods.

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

    Michael is a Philadelphia-based writer with a variety of interests, including music, concerts, TV, politics, travel and sports. His background includes a decade as a programming executive in network television, six years as a marketing executive at a technology company, and time at two magazines and two advertising agencies. He currently works as Craft Beer & Brewery contributor for the Visit Philly Greater Philadelphia Tourism Bureau and sits on the board of a non-profit law firm that assists veterans with disabilities. Michael is a proud Syracuse grad (Newhouse) who has lived in Wichita, Albany, Chicago, Washington DC, Boston and beyond.

    Source: rent.com

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    Inside: Looking for a creative and easy way to give money as a gift? Look no further than these Money Gift Boxes! These boxes are perfect for any occasion and can be customized to make the gift even more special.

    Gone are the days of simply slipping cash into a card; let’s welcome the creative and memorable gesture of a money gift box!

    A money gift box, usually filled with crisp euro or dollar bills, presents a unique, exciting, and personalized way to gift money!

    Why settle for boring when you can enchant the lucky recipient with this delightful surprise?

    Gifting cash doesn’t have to be impersonal or dreary.

    A money gift box makes the act of giving money much more thoughtful and engaging, as it shows that you have gone the extra mile to make your gift special.

    The beauty of this idea is that it can be customized to fit various occasions – birthdays, weddings, graduation, or even business events.

    No matter the occasion or recipient, a money gift box is not just a gift, it’s an experience that lasts even beyond the moment the box is opened.

    Choose to make your gift memorable with one of these curated money gift box ideas.

    What is a Money Gift Box?

    A Money Gift Box is a unique and creative way of giving money as a gift where cash, often in the form of dollar bills assembled and neatly packaged within a gift box.

    These boxes are popular gifts for occasions such as weddings, Christmas, birthdays, and other celebratory events where monetary giving is customary.

    Money gift ideas are a hot idea and these are unique ways to wrap your cash gifts in an enticing box, creating a true element of surprise or maybe even a puzzle!

    How can I surprise my money as a gift?

    Coming up with innovative ways to gift money can transform an otherwise simple and predictable present into a surprise packed with joy and excitement.

    One fantastic method is the money gift box — it’s unique, elegant, and speaks volumes about your creative prowess.

    The money pull box is not just an exciting twist on traditional greeting cards or money envelopes, but it also allows for personalized notes and heartfelt messages, turning a practical gift into something far more special and sentimental.

    This ingenious idea is not only an impactful way to give cash but also easy to accomplish.

    Remember, it’s the thought, creativity, and effort that transform money—often perceived as a last-minute and impersonal gift—into something unique, intimate, and forever memorable.

    Turn that element of surprise up a notch with the money gift box!

    This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.

    Why Choose a Money Gift Box?

    1. You can give money in a creative way.

    2. The gift can be customized according to the occasion.

    3. Money is a versatile gift that can fit any budget.

    4. The gift is easy to make.

    5. Money can be given in many different forms, including coins, dollar bills, and more.

    6. The gift can be given in various ways, such as in a card box, on a birthday cake, or in an envelope.

    7. The gift can be personalized with decorations and other additions.

    8. Money can be given in a memorable way.

    9. The gift can be given in a way that is relevant to the event.

    10. Money can be given in a way that is safe and secure.

    How do you put money in a gift box?

    Putting money in a gift box can be a delightful surprise for the recipient. One commonly fun method is to tape dollar bills or Euro notes end to end and roll them up tightly – even easier to use the money dispenser bag.

    The rolled-up notes are then placed inside the box, with one end fed through a slit in the box and attached to a tab labeled “pull”. This allows the recipient to unravel a long coiled string of money, adding an element of surprise to the gift.

    The type, amount, and currency of money can be chosen based on the occasion, whether it’s for a wedding, graduation, or birthday.

    Learn how much to give for high school graduation.

    Money Gift Box Ideas

    Jazz up your gift-giving game with a delightful surprise: a money gift box!

    This innovative yet straightforward gift is perfect for any occasion, and we bet the recipient will love it.

    Perfect for anyone you value, from family to friends. It’s an excellent gift for celebrations like birthdays, weddings, graduation, or even anniversaries. Perfect small gift ideas!

    We curated the best money gift boxes available and picked our favorites, which we can’t wait to share with you!

    Money Box for Cash Gift Pull

    Imagine surprising your loved ones with a unique, fun-filled cash gift – the Money Box for Cash Gift Pull! Not your traditional presents, this creative and thrilling gift idea redefines the joy of giving.

    Tug at the end, and imagine their thrill as they unfold a continuous string of dollar bills.

    This money pull box adds excitement, charm, and a touch of suspense to your gift-giving occasions. It combines love, beauty, and utility, making gifting cash a delightful experience.

    Expert Tip: Personalize with heartfelt written notes and be generous with the denomination of bills for a more memorable surprise.

    Green Money Machine Cash Dispenser

    Ditch the mundane envelopes for gifting cash and add a fun twist with the Green Money Machine Cash Dispenser. It is a gift box that turns your cash gifts into an exciting surprise, adding a layer of anticipation to your presents.

    We all want a money machine, right? Sounds like a rack of money to me!

    The Green Money Machine Cash Dispenser guarantees a gift-giving experience that’s both exciting and memorable.

    To use it, just attach the pull-tab to the first bill and thread it through the slot on the top of the Money Machine. The card stock box is lightweight making it hassle-free to carry or send through mail.

    Made in the USA, this money dispenser doesn’t include cash, providing you the flexibility to fill it with your choice of cash amount.

    Pink Cash Heart Money Pull Box

    Looking for a creative way to gift money? Meet the Pink Cash Pull Box – a unique money gift box designed to add a memorable twist to your gifting moments.

    This DIY money pull kit allows you to roll your cash, hide it under the box filler, and insert other surprises like flowers or a gift card. Watch as your loved ones delight in pulling out a cascade of money and gifts – an unforgettable moment!

    This versatile gift box features an automatic on/off string light that illuminates when the box is opened, providing an enchanting reveal. It’s suitable for multiple occasions such as Valentine’s Day, Mother’s Day, birthdays, or anniversaries, making it a thoughtful gift idea for your wife, husband, mother, father, or grandma.

    Imagine your loved one opening this in anticipation of a small gift, only to continue pulling out surprise after surprise, ending with birthday money – a gift that perfectly blends sentiment with practicality.

    Black Money Box Cash Pull

    Surprise your loved ones in a uniquely thrilling way with Ribbonbonbox’s Black Money Box Cash Pull, a luxurious and unforgettable gift experience.

    The black box is elegantly designed, highlighted by beautiful red soap roses and a built-in LED light for an additional extraordinary effect.

    Crafted with a durable wooden board and acrylic lid, it’s designed for longevity, ensuring the surprise doesn’t fade with time.

    Optimized for everyone — from life partners and best friends to parents and grandparents — it’s a compelling choice for all occasions, from birthdays to anniversaries.

    Expert Tip: Add in different types of bills while filling the box, for an extra element of fun when your loved one pulls out the cash!

    ThinkMax Money Maze Puzzle Box

    If you’re searching for the perfect gift that’s both exciting and wallet-friendly, the ThinkMax Money Maze Puzzle Box is an excellent choice. This unique gift combines the thrill of a puzzle with the sweet success of a hidden reward, making it an unforgettable present.

    • The puzzle box offers a fun and challenging way to gift money or small items. Just slide the ball to the top and push the latch to open the box.
    • It’s ideal for teen boys, girls, and co-workers, thanks to its modern design and eye-catching colors. In fact, these are inexpensive gifs for coworkers.
    • But it’s more than just a gimmick – the money maze puzzle box also fosters the development of motor skills, enhances spatial awareness, and strengthens logical thinking.

    To make it even more memorable, consider adding a custom message or inserting a specially chosen gift into the box.

    Remember, with a touch of creativity, the ThinkMax Money Maze Puzzle Box can be transformed into the greatest gift of all seasons.

    Money Puzzle Box for Cash – Solve the Puzzle

    Looking for a fun way to give money gifts in care packages for college students? Let me introduce you to the Money Puzzle Box!

    This unique gift box adds a thrilling twist to gift-giving by turning it into a captivating adventure. As one of the best money gift box ideas, it’s not just a box, it’s a rewarding 3x3x3 maze puzzle that stores your precious present inside.

    This is a clever cash holder and brain-busting puzzle in one.

    Plus gives a delightful challenge to your recipient, improving their spatial awareness, motor skills, and concentration.

    3D Escape Game Money Box

    Imagine surprising your loved ones with a unique, puzzle-solving gift box experience. How, you ask?

    Let me walk you through the marvel of 3D Escape Game Money Box.

    • Start by acquiring the wooden puzzle escape room game, which doubles up as an impressive gift box.
    • Upon unboxing, navigate through its various compartments designed to pose stimulating mental challenges.
    • Once you unravel all the mysteries, find the hidden compartment which is perfect for concealing an assortment of gifts such as jewelry, money, or even a personalized note.

    Undoubtedly, this 2-in-1 gift idea holds more than meets the eye. It’s not just about the physical treasure hidden inside, but the thrilling adventure in unlocking it.

    Happy Birthday Day Money Box for Cash

    A happy birthday money box filled with cash makes for a unique and exciting gift.

    This creative alternative to placing money in a pull-out fashion offers a colorful and festive way to surprise the birthday person.

    The process is simple: dollar bills are taped end to end, rolled up, and placed in a specially designed box. The recipient then pulls a long string of money out of the box, resulting in plenty of smiles and happy surprises.

    Above all, the exhilaration of pulling out a roll of cash is an unparalleled experience that makes it the best gift for friends or family who appreciate fun and creativity.

    Wooden Secret Puzzle Box

    The Wooden Secret Puzzle Box is an innovative and entertaining way to gift money or small presents. With an additional double lock, it creates a mentally stimulating challenge for the recipient, promoting problem-solving skills and increasing brain fitness.

    This wooden keepsake box is not just a puzzle, it’s an experience.

    The excitement of unlocking the secret compartment to reveal the gift inside surpasses the typical present, providing hours of entertainment. These boxes aren’t just for adults, children can also enjoy the challenge.

    The process to unlock the loot requires some effort but is ultimately rewarding. Tilting the box and navigating the slider right, you’ll hit the lock— rewarding patience and logic with the much-desired gift.

    Perfect to add to Easter basket ideas for girls.

    Confetti Exploding Gift Box

    Experience the thrill of giving and receiving with the Confetti Exploding Gift Box – it’s not just a gift; it’s a party in a box!

    Imagine the surprise and laughter as the box explodes with confetti, making for a truly unforgettable gift-opening moment.

    This isn’t your typical ribbon-tied gift; the box is beautifully crafted in Europe with premium quality materials, ensuring not just a surprise but also a touch of class. It’s perfect for everyone – children, adults, or even your colleagues celebrating their work anniversary.

    Think about it… who wouldn’t love their face sprinkling down with confetti! This gift guarantees not just an explosion of colorful bits but, more importantly, an explosion of emotions.

    Remember, this isn’t just for the recipient; bystanders will be delighted too, making your gift the talk of the party!

    Brain Teaser Wooden Box with Hidden Cash

    Introducing the Brain Teaser Wooden Box, an enthralling blend of puzzles, secret stash, and premium craftsmanship. This mysterious box is a fun, engaging, and stylish way to gift cash or other valuables.

    Imagine the thrill of gifting a treasure chest that doubles as a mental workout. Crafted from high-quality wood, its intricate design and precise construction make it an impressive gift. Whether it’s for men, women, or puzzle enthusiasts, they will appreciate the challenge and craftsmanship.

    • What’s in the box? That’s part of the mystery, making it an intriguing conversation starter.
    • It’s more than just a puzzle; it’s a secure place to hide valuables or surprise someone with a cash gift.
    • With its versatility, it can also serve as a chic jewelry box or desk decor.

    The journey of unlocking this box is half the fun! Whether you’re playing Santa or looking for a unique anniversary gift or boys Easter basket, the Brain Teaser Wooden Box is your exciting solution.

    Secret Puzzle Box

    Discover a whole new world of excitement and intrigue with the Secret Puzzle Box – an innovative way to gift money or valuable cards. Delight in the thrill of solving a complex mystery as you explore this extraordinary gift box.

    Its design combines the addictive challenge of a brain teaser with the thrill of a treasure hunt. It’s perfect for adults who relish intellectually stimulating experiences.

    You can safely conceal valuable possessions such as cash, jewelry, or gift cards in its lockable compartments. Nothing like sparking curiosity by keeping your gift under wraps!

    Constructed with high-quality wood, it boasts an intricate design that showcases exquisite craftsmanship. Apart from being a captivating puzzle, it doubles as a unique jewelry box and conversation starter.

    Cake Money Box Transparent Bags

    Most of the money gift boxes come with transparent bags to load up your cash in.

    However, you may need extra. These are perfect if you decide to make a DIY money gift box as well.

    Why is it one of the best? Well, here are some compelling features:

    • The bag has a size of 3.1 x 7.5 inches, an ideal and manageable size to tuck in your cash gift.
    • It’s constructed from high-quality cellophane plastic; lightweight, reusable, and practically invincible against breaks or deformations.
    • High transparency ensures your gift is perfectly visible, adding to the anticipation and excitement.
    • The self-adhesive design simplifies packaging and saves you time.
    • Plus, it possesses excellent vapor-blocking properties, safeguarding your gift from dust and bugs.

    Best for occasions like birthday parties, weddings, and family gatherings, this revolutionary gift idea will surely create unforgettable memories.

    Expert Tip: You can use these bags not just for money, but also to include small treasured items or personalized notes to make your gift extra special.

    How to make a money dispenser box?

    All it requires is taping dollar bills end to end in a long string, rolling them, and neatly placing them inside a beautifully designed box. Add a final touch by attaching a “pull” tab to the end bill, and voila – you’ve created a delightful and unexpected gift.

    Sounds easy, right? Well, it is. It just takes some practice like these money cake ideas.

    Consider using this idea for occasions like birthdays, weddings, or graduation celebrations. After all, who doesn’t love the sight of cascading cash pulled from an exquisitely crafted box?

    Step 1: Choose a Money Gift Box

    Opt for a box with a festive allure for birthdays or celebratory events.

    The box size and shape determine how much money it can hold and how smoothly it dispenses.

    The design showcases your creativity and speaks volumes about the occasion.

    Remember, it’s not just a gift, it’s an experience. If you want to surprise a friend, pick a box that pops with colors.

    Your chosen money gift box sets the stage; make it count!

    Step 2: Prepare the Money Roll

    You’re onto a fun-filled step of crafting your own money dispenser box, and preparing the money roll!

    This part is crucial, so follow closely.

    • First, gather your dollar bills. Getting new dollar bills may be a challenge, so make sure you ask your bank first.
    • Next, neatly insert the dollar bills in the transparency bags. Also, include a few memorable notes.
    • Then, tape the bills end-to-end or use the small sticky dots. Ensure to connect the bills seamlessly and cleanly to maintain the charm of the constant pull.
    • Once you’ve crafted a nice lengthy string of bills, begin rolling. Start from one end and maintain a tight, steady roll until it looks like a small, compact money bundle.

    A quick expert tip here – if the roll seems loose or flimsy, don’t worry. Tightening it up as you go often helps achieve compactness.

    Congratulations, you’re one step closer to creating an absolute hit of a gift!

    Remember, the joy is in both the making and the giving! Keep up the great work, and let’s dive into the next step soon.

    Step 3: Make the Boxes

    This is where you incorporate the money into the box, effectively transforming it into a thrilling dispenser.

    Insert your tightly wrapped roll of money into the gift box. Make sure you leave the pull the money out.

    Next, you can add trinkets or other mementos to the box if you prefer.

    Make sure to securely tape it, ensuring that it’s attached beautifully and strongly.

    Step 4: Give Out the Boxes

    Now for the fun part! Give your money gift box to the recipient or recipients.

    As your friend unwraps the seemingly ordinary gift, the initial confusion transitions into pure delight as they pull out a long string of dollar bills from the box. Their bemused smile and surprised laughter truly makes the effort worthwhile.

    Remember, it’s not just the monetary value of this gift that matters, but the joyful surprise and the shared happiness it brings.

    Get creative with your gift-giving and make each celebration truly memorable.

    Money Puzzle Gift Boxes for Cash

    One of the MOST popular gifts!

    This maze puzzle cube is a unique cash holder. Perfect for kids and adults, it’s a thrilling puzzle box and money maze.

    Get yours now and turn gifting into an adventure!

    Buy Now on Amazon

    12/19/2023 07:57 pm GMT

    Which Money Boxes for Gifts are your Favorite?

    In conclusion, these money gift boxes are more than just vessels – they’re tangible expressions of generosity, thoughtfulness, and affection. They instill in the recipients a sense of appreciation and an overwhelming feeling of being valued.

    Plus, who doesn’t like a little surprising twist with their monetary gift?

    Start shopping now for these amazing money gift boxes to make your gifting experience memorable and cherished.

    After all, the best gifts are not only about what you give but also how you give them. Perfect ideas for gifts for kids who have everything!

    With money gift boxes, you can add that extra personal touch, making your gift more special and memorable.

    Filled with surprise and delight, these money gift boxes are sure to impress and leave a lasting imprint.

    So why wait? Begin your money gift box shopping now and lavish your loved ones with a gift they’ll truly cherish!

    Embrace gifting in style with a money gift box! Plus these may work perfectly for a no gift Christmas!

    Know someone else that needs this, too? Then, please share!!

    Did the post resonate with you?

    More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!

    Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.

    Source: moneybliss.org

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    Looking to find the best places to sell video games? Whether you have a brand new video game or a used video game, you can probably sell it online or at a place near you. In fact, I have bought many used video games from sellers over the years, so I know firsthand that people…

    Looking to find the best places to sell video games?

    Whether you have a brand new video game or a used video game, you can probably sell it online or at a place near you.

    In fact, I have bought many used video games from sellers over the years, so I know firsthand that people do buy games – both new and old! And, I have done this both online and at places I shopped at in person.

    It’s normal for gamers to have lots of video games. When new game systems come out and our interests change, selling the games we don’t play anymore can be a great way to make some extra money, after all.

    Key Takeaways

    • Selling video games can make you extra money and lets other people enjoy the games you don’t play anymore.
    • How much a game is worth depends a lot on its market value, condition, and how much people want it.
    • You can sell video games online at places like Decluttr and eBay.
    • You can sell video games in person at places like GameStop and Craigslist.

    Best Places To Sell Video Games Online

    Below are the best places to sell video games online.

    1. Decluttr

    Decluttr is a popular site for selling used items, including video games on PlayStation, Xbox, and Nintendo.

    To sell a game, you will enter or scan the barcode using Decluttr’s site, which will give you an instant quote if your item is accepted. With a free shipping label through UPS, Decluttr makes it easy to sell games for cash, and you get paid by direct deposit or PayPal.

    Whether you are looking to sell just one used video game or if you have a bulk amount, this is an easy site to sell on, especially with their free prepaid shipping label.

    If you have other items to sell too (such as DVDs, game consoles, CDs, etc.), this is one of the best websites if you want to sell your stuff.

    2. eBay

    eBay is a popular online marketplace where you can sell new or used video games. You can either auction your games or set a fixed price. You will have to do all the work, such as taking pictures of what you are selling, writing a description, and mailing it off.

    Keep in mind that eBay charges fees and there are shipping costs too.

    I have sold on eBay many times in the past, and it is great if you want to make the most money. This is because you are cutting out any middle person and doing all the work yourself.

    I have also bought several used retro video games and gaming consoles on eBay. The platform makes it extremely easy to find anything and everything from around the world. Whether you are looking at popular games like Super Mario Bros or retro games on Atari or Sega – there is probably a fit for you to list your video games on eBay.

    3. Amazon Trade-In

    Amazon Trade-In is a convenient place for trading in your video games for Amazon gift cards with their instant trade-ins.

    Plus, everyone has heard of Amazon so you know it is a real site.

    Simply search for the title, select the correct game, and give an honest review of the game’s condition. Shipping is free with a printable label from Amazon, which makes it easy to trade in multiple games at once if you have a bulk amount that you want to sell.

    4. OfferUp

    OfferUp is a site where you can sell video games to people nearby. It’s easy to use, and you can list your games to reach more people in your area.

    I did a quick search and found hundreds of used video games for sale in my town, so there is definitely a wide selection. OfferUp does charge a fee of around 10% to 15% for an item once it sells. This is something that you will want to think about when selling your video games as this seller fee can add up quickly.

    5. Swappa

    Swappa is a safe and easy website for selling used items like video games. You simply create a free listing on Swappa and pay a fee of 3% after it sells.

    Payment is done through PayPal and shipping costs are paid by the seller.

    On Swappa, you can sell Nintendo Switch, PlayStation 5, PlayStation 4, Xbox, 3DS, Wii, Nintendo NES, Nintendo SNES, and more – from gaming consoles to video games and even controllers.

    6. Gameflip

    Gameflip is a marketplace for selling gaming items, including video games and even in-game items (this is what sets it apart from the other sites on this list).

    The in-game items feature is something that I find really interesting. Yes, these are digital items that you don’t even have physically. Instead, these would be items that you have in the actual video game.

    For example, you can sell a sword or outfit that you have in a game to another player. These are items that you may win or find while you are playing a video game – and you can actually sell these digital items to other people and make money!

    You can also sell both physical and digital games, set your own prices, and talk with possible buyers on Gameflip – making it easy to sell your video games and other items.

    Best Places To Sell Video Games Near You

    Below are the best places to sell video games near you.

    7. GameStop

    If you’re a video gamer, then you’ve definitely heard of GameStop.

    At GameStop, you can trade in or sell your games, gaming consoles, and accessories. Their website and app give you up-to-date values for your items so you know what to expect, which I think is very nice.

    For example, I went to the GameStop trade-in site and stated that I wanted to sell my Pokemon Silver Version for the Game Boy. This is an old game that is pretty much a classic. And GameStop says that I can get up to $15.40 for it in store credit or up to $10.78 in cash for it. With less than 10 clicks I was able to see how much I can get for each video game, which is so easy!

    You can simply go to your local GameStop store and make the sale in person. This option is great for those who prefer dealing with a well-established retailer and want to sell video games for cash.

    8. Best Buy

    Best Buy is a store where you can trade in your games in-store for a Best Buy gift card.

    This might be perfect if you plan on purchasing other electronics from them.

    To get a trade-in estimate, you just go to their website and input your game’s details. They will handle the rest, which makes the whole trade-in process really quick and easy.

    9. Facebook Marketplace

    Facebook Marketplace is great for those who want to sell their games within their local area without fees.

    It does mean direct interaction with potential buyers, but you can negotiate the price as you need to. You just post your game with a brief description and wait for interested buyers to message you on Facebook.

    10. Craigslist

    Similar to Facebook Marketplace, Craigslist is a popular option for selling items locally. There are no listing fees for using Craigslist.

    You just create a listing and include pictures and a price. This option is great for people who don’t mind handling the transaction themselves and want to make extra cash.

    I have sold many things on Craigslist over the years, and it is a very easy site to use. There are not very many used video games sold on this site, but I do love how they don’t charge any fees, so you get to keep more of your money. However, you usually are not able to make as much because your pool of buyers is smaller.

    11. Game X Change

    Game X Change focuses on trading and selling games, consoles, board games, figurines, and so much more. Pretty much anything related to games can be sold through this site.

    On their website, it’s easy to check how much your game is worth and what you can get in return.

    Plus, they pay in cash or credit.

    12. Pawn shops

    Pawn shops can be an option for selling your used games, especially if they’re in good condition.

    Pawn stores might not give you the most amount of money compared to other places (this is because they don’t specialize in games), but it’s an alternative if you need quick cash and don’t want any hassle as you won’t need to make a listing, process payments, deduct seller fees, prepare a shipment, or anything like that.

    How Much Used Video Games Are Worth

    When figuring out how much your used video games are worth, think about a few things that can affect their value.

    Popular game titles

    How popular a game is can really impact how much you can sell it for. If a game is a classic or really popular, it’s usually worth more than games that aren’t well-known.

    Condition and rarity

    The condition of the game is important in deciding how much it’s worth. Games with their original cases and manuals usually sell for more money. Also, if a game is rare or a limited edition, it might be worth more.

    Time of year

    The time of year can also change how much used video games are worth. When new games in a series come out, older ones might be more wanted. Also, during the holiday season, more people want video games to give as gifts, so their prices might go up.

    Preparing your video games for sale

    Before selling your video games, here are a few things you can do to make them worth more money:

    1. Clean and inspect – Gently clean the game and inspect it for any visible damage.
    2. Test – Play the game to make sure it works (no one wants to buy a broken game).
    3. Gather everything – Find case inserts, manuals, or other materials that came with the game.

    Frequently Asked Questions About How To Sell Video Games

    Below are answers to common questions about how to sell video games.

    Where can I sell retro video games?

    You can sell retro video games on specialized platforms like eBay, Decluttr, and The Old School Game Vault as these websites cater to collectors and enthusiasts.

    What is the best platform to sell PC games online?

    Many of the sites above can be used to sell PC games online as well. Some good ones to start with include eBay and Decluttr.

    Can I trade in games for cash at GameStop? Can I sell a video game at GameStop?

    Yes, you can trade in games, consoles, and accessories at GameStop for cash or in-store credit.

    How does Amazon’s Trade-In program work for video games?

    Amazon’s Trade-In program lets you trade in your used video games for Amazon gift cards. To trade in your old video games, you just need to find your game on Amazon, click on the Trade-In button, and describe the condition of your item. Then, print a prepaid shipping label, pack your game, and send it to Amazon. Once your game is accepted, you’ll receive an Amazon gift card equal to the trade-in value. Note that the trade-in values on Amazon are often comparable to GameStop.

    How To Sell Video Games – Summary

    I hope you enjoyed this article on how to sell video games online and near you.

    In conclusion, the best place to sell your video games depends on what you like and where you are. It’s a good idea to check different options to make sure you get the most value for your gaming stuff.

    Selling video games gives us extra money for new gaming stuff, and it lets others have fun with the games we enjoyed.

    I have bought and sold many different video games over the years, so I know that it is a real way to make extra money!

    When selling old video games, think about things like how much people are willing to pay, the game’s condition, and how much others want that game or console. Doing some research can help you make more money while getting rid of your used games easily. There are many online places and local stores where you can sell your video games, so I’m sure you can find the best one for you.

    What do you think is the best place to sell video games?

    Recommended reading:

    Source: makingsenseofcents.com

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    PPE, Audit and Tax, LO Sales, Subservicing Tools; Fannie and Attorney Opinion Letters

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    PPE, Audit and Tax, LO Sales, Subservicing Tools; Fannie and Attorney Opinion Letters

    By:
    Rob Chrisman

    Tue, Dec 19 2023, 10:56 AM

    Change is constant: How ‘bout U.S. Steel, the Pittsburgh steel producer that played a key role in the nation’s industrialization, being acquired by Nippon Steel in an all-cash deal valued at approximately $14.1 billion? (Let’s not forget that GM and Ford have been dwarfed by Tesla, Mercedes, Toyota, and even Volvo.) I had my share of “hard hat” jobs growing up, so I noticed OSHA announcing a switch from traditional hard hats to safety helmets. Is that the politically correct term now? Speaking of terms, “smishing” is a term that combines “SMS” and “phishing” where hackers try to get your personal and banking information through unsolicited text messages on mobile devices by pretending to be government agencies, companies that you might have done business with, or a package delivery service. They’ll say something to get your urgent attention like a text about a free gift that you have to pay a small “shipping fee” to receive or they will send a warning about suspicious activity on your account. Be careful out there! Today’s podcast can be found here, and this week’s is sponsored by Lender Toolkit’s AI-powered AI Underwriter and Prism borrower income automation tools. Get loans approved in under two minutes. By providing lightning-fast underwriting decisions, your market reputation with borrowers and Realtors will soar. Listen to an interview with Arch MI’s Carl Tyree on mortgage insurance (MI) misconceptions and various product offerings that separate MI companies from one another.

    Lender and Broker Products, Programs, and Services

    Some things are just better together. The cast of Gilligan’s Island. John, Paul, Ringo, and George. And, of course, Myrtle’s favorite Tom and Jerry. Putting several good pieces together to create a better whole sums up what we think of nCino’s Mortgage Suite (formerly SimpleNexus). With a combination of great ideas and great technology, nCino’s Mortgage Suite automates loan processing and closing, delivers a modern customer experience, surfaces data insights and simplifies incentive compensation management, thus increasing an FI’s mortgage profitability (something we could all use about now). See how all the parts work together in this short video.

    Assessing key performance indicators and operations during current industry headwinds is a great way for mortgage lenders to set themselves up for success for 2024 and beyond. In particular, looking at how your loan origination system (LOS) is maximizing efficiency, providing returns on investments and ultimately, helping you win business over competitors is a great place to start. Why? Because your LOS should serve as the central hub of the overall tech stack, allowing you to orchestrate your entire business from a single system of record. Read this recent article, to learn how Encompass® by ICE Mortgage Technology® is enabling lenders to manage their entire lending workflow in one place, from the customer’s initial point of thought through investor delivery.

    Did you know that your LOS is the most powerful source for new leads? Every loan application, past or present, not only represents a marketable borrower, but any realtors on loan files can lead to even more opportunities. OptifiNow’s Contact Harvesting is a feature that automatically imports any realtors listed on an LOS loan file, creating a vast source of referral partners that can be easily marketed to. Contact Harvesting dynamically updates your database and creates links between borrowers and realtor records, allowing you to accurately track the amount of volume that a realtor is generating and calculate the pull-through rate of their referrals. As the mortgage market heats up, the OptifiNow CRM platform provides you with innovative tools that help you leverage the data you already have to increase loan volume. Contact OptifiNow to learn more about our flexible and cost-effective CRM solutions.

    Is it a challenge getting what was promised out of your current subservicer? New regulations are always moving the compliance goal posts and your customers are craving the newest technology and high-quality customer experience to meet their needs. After all, aren’t those the reasons you contracted with them? Perhaps it’s time for a change. Let Servbank show you how its cutting-edge, fully transparent and award-winning servicing platform (SIME), combined with their family of caring Customer Care reps, will protect your company from regulatory misses and keep your customers loyal by delivering a superior experience every time. If your current subservicer promised to make life easier for you, but continues to miss the mark, now is the time to partner with Servbank, the nation’s only fintech bank subservicer, who can meet your unique needs.

    Feeling motivated and ready to conquer your 2024 sales goals? TrustEngine is here to help with Dave Savage’s three top sales coaching videos of the year. Featuring some of the industry’s top producers, tune in for invaluable sessions from the best in the business and share them with your LOs. First, explore Dave’s most popular 10x interview of the year, How Daniel Sa Is Closing Over 300 Loans This Year. Then, dive into Separation Season with Jeremy Forcier for essential strategies and explore the world of Moneyball Mortgage with Jim Deitch, and so much more. Don’t miss this opportunity to gain essential insights and strategies for the upcoming year. Your path to sales excellence starts here.

    “With nearly 40 years of experience in mortgage banking, Richey May knows the industry from every angle. Many of our team members are credentialed industry experts who dedicate much time to building up other industry experts. From this expertise, we’ve created a wealth of services and products to help lenders stay ahead: audit and tax services, cybersecurity solutions designed to protect company assets and sensitive borrower information, intelligent automation tools for streamlined operations… you name it! Whether you’re leveraging our innovative platforms or having us work as your extended team for outsourced internal audit or accounting services, get ready to tackle challenges faster with some serious firepower on your side. Everything you need to prepare for 2024: contact our experts today!”

    “There are many reasons the Optimal Blue PPE has been the market-leading product, pricing, and eligibility engine for years, one being that we ensure our customers have the functionality and support they need through changing regulatory and market environments. Built as an open API platform, the Optimal Blue PPE allows customers to access critical product and pricing information on-demand. With an average of 300+ releases per year, users receive the latest innovations they need to operate in any market conditions. This year’s releases included: a mobile app, an updated user interface, and advanced loan officer compensation support. And with 50+ developers dedicated to the PPE, our commitment to innovation is continuous. This means Optimal Blue customers have the tools to tackle whatever the market throws their way. Reach out to us today to ensure you have the tools and support you need to win in this market.”

    “Our 2023 accomplishments set the stage for what is to come. As we move into 2024 and beyond, Polly will continue to revolutionize mortgage capital markets and democratize revenue optimization, automation to reduce costs, efficiency gains, and more, all while providing a differentiated and completely unmatched loan officer and lender experience.” What else can you expect to see from Polly in 2024? The company’s Founder and CEO, Adam Carmel, reflects on a record-breaking 2023 and shares his excitement for 2024 in this open letter.

    Conventional Conforming News

    The lion’s share of loans are processed and/or underwritten and/or sold to Freddie Mac and Fannie Mae. Who’s doing what out there?

    Fannie Mae turned some heads recently with more thoughts on Attorney Opinion Letters in the title industry. Stacy Mestayer observed, “Fannie’s announcement will expand the use of AOLs to hundreds of thousands of more properties. This is an interesting update to many as ALTA has led many in the industry (and on Capitol Hill) to believe that title waivers and title alternatives are the same. While Fannie has opted not to pursue a pilot for title waivers at this time, it never wavered in its support for the AOL alternative.”

    Two new underwriting solutions are now available from Fannie Mae to help lenders better serve borrowers. DU early assessment, which provides a DU risk assessment during a lender’s pre-qualification process with a single bureau soft credit report, and Income Calculator, which helps easily calculate income for self-employed borrowers. Discover how these innovations and other updates help simplify the lending process and work toward removing barriers and improving equitable access to credit.

    Fannie Mae Announcement SEL-2023-11: December Selling Guide Updates includes information on permitting lenders to use alternative options to meet verbal verification of employment requirements, allowing optional use of Income Calculator to determine the monthly qualifying income for self-employed borrowers, allowing lenders to gross-up certain nontaxable income without providing additional documentation. Incorporate a list of programs into policy to assist lenders with their review of shared equity providers and transactions, and other miscellaneous updates.

    Fannie Mae updated the Partner Playbook for the Credit Score and Credit Reports Initiative to include information on FHFA’s Nov. 21 Enterprise Regulatory Capital Framework (ERCF) final rule, share ways the public can participate in the stakeholder forums, and highlight the timeline to reflect the delay of milestones related to the bi-merge credit reporting option initially proposed for 4Q 2023 and 1Q 2024.

    During the weekend of Feb. 10, 2024, Fannie Mae will implement an update to DU version 11.1. This will include updates to improve DU’s ability to identify rent payment history within asset verification reports and other changes to align with the Selling Guide. For additional information, view Fannie Mae DU Version 11.1 Feb. Update Release Notes.

    In the December 2023 Appraiser Update, Fannie’s Mae’s 25th edition, timely appraisal topics from a 2015 Lender Letter is revisited, recent changes to requirements for manufactured housing appraisals, explain how to get answers when you need them, and offer a reminder for how to treat seller concessions.

    Per Pennymac Announcement 23-85, Conventional LLPAs effective for all Best Efforts Commitments taken on or after Thursday, December 14, 2023 will be updated as follows:

    Improving values for the ‘2nd Home Additional’ LLPA on the ‘LLPAs by Product Feature for All Eligible Loans’ LLPA Grid. Updating footnote for the “2nd Home Additional’ & ‘Investment Additional’ LLPAs.

    Citizens Correspondent National Bulletin 2023-21 includes information on product updates on Conventional Conforming Products, Employment Offers or Contracts – DU, Income eligibility and calculations, timeshares, and updated appraisal practices, VA Products, Medical and non-medical collection and charge-off accounts. Citizens Correspondent National Bulletin 2023-22 provides information on Conventional Conforming, FHA and VA Product Loan Limits and Disaster Tax Filing Relief.

    Kind Lending announced the adoption of Freddie Mac guidance as pertains to ADUs (Accessory Dwelling Units) and the allowance of income from the ADU used in qualifying.

    Capital Markets

    Global financial conditions are loosening as investors expect central banks to begin lowering interest rates next year. A Goldman Sachs index that tracks corporate borrowing costs and capital markets conditions showed on Friday global financial conditions at their most accommodating level since early August. The end of the belief that central banks will keep interest rates “higher for longer” has fueled optimism in the corporate bond market, with yields on riskier corporate debt falling below 8 percent for the first time since February. Even though we haven’t seen one rate cut yet…There has been a significant easing in financial conditions that is giving companies breathing room.

    Let me repeat something from last week that came from Dr. Elliot Eisenberg! “While the Fed kept rates unchanged, something entirely expected, it was the shift from a hawkish pause, one with a rate hike bias, as was the case after the last two meetings, to a dovish pause, a pause with a future rate reduction bias due to the declining inflation rate, that led to a record Dow Jones close. Discussion will now focus on the date of the first cut.” Sure enough, that is what we are seeing.

    After Fed Chair Powell and his colleagues indicated that they are likely to cut rates three times next year, traders have largely ignored efforts by Fed officials to temper expectations and market rates have fallen sharply in anticipation of the central bank’s policy pivot becoming a reality. There has been a lot of Fed-speak after the FOMC meeting attempting to pour cold water on the narrative that rate cuts are coming quickly and aggressively, the latest being Chicago Fed President Goolsbee saying that he was a bit confused by the market’s reaction to the latest FOMC meeting/comments and Cleveland Fed President Mester saying that the market is a little bit ahead of the Fed’s rate-cut view. The Fed claims that markets are over their skis with respect to rate cuts, but markets are maintaining pricing for six rate cuts by the Fed before the end of 2024, with the first cut coming in March.

    Putting aside the Fed momentarily, this week will have a lot of housing data. We received the NAHB Housing market index for November yesterday, which increased from the last reading, but not quite to market expectations. Today brings housing starts/building permits and existing home sales are tomorrow. We will also get another revision to Q3 GDP, personal incomes and outlays, and leading indicators. Real GDP is expected to be revised down slightly in the third estimate due to downward revisions to September retail sales, business inventories, and industrial production. Personal income is expected to have accelerated in November due to strong gains in wages and salaries pushing household spending higher.

    Also on tap this week is the Fed’s favored inflation measure, PCE, where core inflation is expected to come in at a 3.3 percent annualized pace, down 0.2 percent from the previous month.

    Today’s economic calendar is under way with housing starts and building permits for November: 1.56 million (higher than expected) and 1.46 million, respectively. Expectations were for starts slipping 17k versus the prior month to 1.355 million with permits 48k lower at 1.450 million. Later today brings Redbook same store sales and remarks from Atlanta Fed President Bostic. Today is also Class D 48-hours. We begin the day with current coupon Agency MBS prices a few ticks (32nds) better than Monday night and the 10-year yielding 3.90 after closing yesterday at 3.96 percent.

     Download our mobile app to get alerts for Rob Chrisman’s Commentary.

    Source: mortgagenewsdaily.com

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    Are you looking for the best books about budgeting? Learning how to budget can change your life – you may be able to improve your finances, stop living paycheck to paycheck, start living debt-free, improve your net worth, and so much more. All from learning how to budget. To get good at budgeting, I think…

    Are you looking for the best books about budgeting?

    Learning how to budget can change your life – you may be able to improve your finances, stop living paycheck to paycheck, start living debt-free, improve your net worth, and so much more.

    All from learning how to budget.

    To get good at budgeting, I think it’s a great idea to learn from people who know a lot about it, which includes reading the best money books. There are all different kinds of budgeting books out there that cater to different people and their unique financial situations, so you are sure to find one that fits what you are looking for.

    Key Takeaways

    Best Books About Budgeting

    Below are the best books about budgeting.

    1. The Millionaire Next Door

    The Millionaire Next Door: The Surprising Secrets of America’s Wealthy written by Thomas J. Stanley is a favorite personal finance book for many people and is a great first budgeting book to read.

    This book helps you to better understand the habits and mindset of millionaires in an easy-to-understand way (and it’s so interesting to read as well!). You will learn about the importance of living below your means and avoiding lifestyle inflation to achieve financial success and build real wealth.

    You’ll find out that many millionaires live real simple lives, spending wisely and doing things differently, like how they use their time and raise their kids. It’s surprising to see what being rich really means, and some people who seem rich might actually have a lot of debt.

    This is one of the best budgeting books because it teaches you that anyone can retire with wealth.

    Please click here to learn more about The Millionaire Next Door.

    2. The Simple Path To Wealth

    The Simple Path To Wealth was written by J.L. Collins, and it’s one of the best books on money management, especially if you want to retire early.

    This highly recommended book makes building wealth easy to understand, and it’s the book to go to if you want to make your finances better but don’t want to spend a lot of time on it.

    In his book, Collins talks about important money topics, like staying away from debt, building wealth, understanding the 4% rule, and much more.

    Please click here to learn more about The Simple Path To Wealth.

    3. Broke Millennial

    Broke Millennial: Stop Scraping By and Get Your Financial Life Together was written by Erin Lowry, and is one of the must-read best money books for young adults. The author makes talking about money fun and interesting, especially for young adults.

    This book is made for millennials (and young adults!) who want to manage their money well.

    Erin writes about how to have a clear plan to stop being broke and gives a step-by-step guide where she covers many different topics, including tricky ones like managing student loans and talking about money with your partner.

    I like to give this book as a graduation gift to those finishing high school or college. It’s one of the best personal finance books for beginners because it helps young adults better understand money.

    Please click here to learn more about Broke Millennial.

    4. The No-Spend Challenge Guide: How to Stop Spending Money Impulsively, Pay off Debt Fast, and Make Your Finances Fit Your Dreams

    The No-Spend Challenge Guide by Jen Smith is the perfect book for those struggling with spending. This guide has actionable steps to stop impulsive spending, pay off debt, and align your financial decisions with your dreams.

    Jen Smith went from struggling to stay on a budget for more than two weeks to paying off $78,000 of debt in under two years. In her book, she shares experiences and strategies, including using No-Spend Challenges to shift her money mindset and budget more effectively.

    Please click here to learn more about The No-Spend Challenge Guide.

    5. The One Week Budget: Learn to Create Your Money Management System in 7 Days or Less!

    The One Week Budget by Tiffany Aliche (The Budgetnista) is a great book to read if you want to create a better money management system that takes less of your time. So many people are afraid to manage their money because they think it will be hard or take a lot of time, so this is a great book to read to overcome that.

    In just one week, this book will help you create a budgeting system to manage your money effectively. This is a great read for anyone new to budgeting or looking for a more simple approach to managing their money.

    Please click here to learn more about The One Week Budget.

    6. We Should All Be Millionaires: A Woman’s Guide to Earning More, Building Wealth, and Gaining Economic Power

    We Should All Be Millionaires by Rachel Rodgers is an inspiring book that teaches women how to build wealth and achieve financial independence.

    You will learn how to make better money decisions, strategies to bring in more income, and how to change your attitude about money.

    This book will also show you how to overcome obstacles in your life (such as lack of confidence or knowledge) so that you can build wealth.

    Please click here to learn more about We Should All Be Millionaires.

    7. How to Stop Living Paycheck to Paycheck (2nd Edition): A Proven Path to Money Mastery in Only 15 Minutes a Week!

    How to Stop Living Paycheck to Paycheck by Avery Breyer is a practical guide that helps readers break the cycle of living paycheck to paycheck, and it gives tips on budgeting, saving, and investing.

    You will learn how to build an emergency fund, get out of debt, avoid budget traps, and more.

    This book teaches a complete budget system for beginners and takes only 15 minutes per week to do.

    Please click here to learn more about How to Stop Living Paycheck to Paycheck.

    8. How To Pay Off Your Mortgage In Five Years: Slash Your Mortgage with a Proven System the Banks Don’t Want You to Know About

    How To Pay Off Your Mortgage In Five Years by Clayton Morris and Natali Morris is a great book for anyone looking to pay off their mortgage fast.

    This is a helpful read for homeowners looking to shorten their mortgage term and save money on interest in the long run. This is a step-by-step system with a strategic plan to pay off your mortgage fast.

    Please click here to learn more about How To Pay Off Your Mortgage In Five Years.

    9. You Need A Budget

    You Need A Budget: The Proven System for Breaking the Paycheck-to-Paycheck Cycle, Getting Out of Debt, and Living the Life You Want by Jesse Mecham is a great personal finance book that teaches you a step-by-step budgeting system for managing your money more effectively.

    You will learn things such as how to pick your priorities for your money, how to not let expenses sneak up on you, how to handle an unexpected expense, and how to get your money to last.

    Please click here to learn more about You Need A Budget.

    10. The Automatic Millionaire

    The Automatic Millionaire: A Powerful One-Step Plan to Live and Finish Rich by David Bach is a book that simplifies the process of becoming financially independent, emphasizing the power of automating your savings and investments.

    The Automatic Millionaire begins with the inspiring tale of an ordinary American couple — a low-level manager and a beautician — whose combined income never surpasses $55,000 per year. Remarkably, they achieve debt-free homeownership of two houses, put both kids through college, and retire at 55 with over $1 million in savings.

    Please click here to learn more about The Automatic Millionaire.

    11. I Will Teach You To Be Rich

    I Will Teach You To Be Rich was written by Ramit Sethi and is a great first personal finance book to read. This has been a popular money book for years and for good reason!

    This book is full of very helpful lessons presented in a fun way, and he covers the basics of personal finance, including budgeting, saving money, investing, and more.

    Please click here to learn more about I Will Teach You To Be Rich.

    12. The One Page Financial Plan

    The One-Page Financial Plan: A Simple Way to Be Smart About Your Money by Carl Richards is a book that will help you create a single-page plan based on your personal financial goals.

    This book will help you figure out how much money to invest each year, how much life insurance you need, how to handle unexpected costs (or a job loss), and more.

    If you are looking for more of a visual way to manage your money, then this is the book to read.

    Please click here to learn more about The One Page Financial Plan.

    13. Your Money or Your Life

    Your Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independence by Vicki Robin and Joe Dominguez has sold more than one million copies and is one of the most popular and best money books ever.

    This book has been popular for over 25 years (but don’t let that stop you from reading it!), and it’s been updated with more recent topics like side hustles, new investment options, how to track your money online, and more.

    This book focuses on mindful spending and helps you reevaluate your relationship with money. This book will guide you in getting out of debt, saving money with mindfulness and good habits, building wealth, contributing to saving the planet, and so much more.

    Please click here to learn more about Your Money Or Your Life.

    14. The Financial Diet

    The Financial Diet (same name as the very popular blog!) by Chelsea Fagan is a guide to managing money, including tips on budgeting, saving, and investing so that you can make smart financial decisions.

    This book will teach you how to get good with money, how to stick to a budget, how to invest, how to save money on food, and more.

    The Financial Diet is the personal finance book for someone who doesn’t care about personal finance but is looking for a beginner’s guide to improve their financial situation. The writing style of this book will keep you interested and actually want to learn about personal finance.

    Please click here to learn more about The Financial Diet.

    Frequently Asked Questions About Budgeting Books

    Below are common questions about finding the best budgeting books.

    What are the best budgeting books for young adults?

    My favorite budgeting book for young adults is Broke Millennial, and I personally buy this book and give it as a gift to anyone I know who is graduating from high school or college.

    There are many other budgeting books that people love such as How To Manage Your Money When You Don’t Have Any by Erik Wecks, The Total Money Makeover by Dave Ramsey, Money Honey by Rachel Richards, Spend Well, Live Rich by Michelle Singletary, and so many others.

    What’s the best budgeting book planner?

    A budgeting book planner is a tool that you can use to organize your finances in one place and stick to your budget. You can find many different budgeting book planners here.

    Best Budgeting Books – Summary

    I hope you enjoyed this list of the best books on budgeting.

    As you can see, there are many different budgeting books that can fit your personal situation.

    These books talk about different parts of budgeting, like making a basic plan or handling money when you don’t have much. Whether you’re just starting or want to get better at budgeting, there is probably a book above that has something for you to learn.

    Here’s a quick list of the best budgeting books listed above:

    What’s your favorite book about budgeting?

    Recommended reading:

    Source: makingsenseofcents.com

    Apache is functioning normally

    The 10-year-old is showing an enthusiasm for the holiday season that matches her famous family’s own

    <img class="caas-img caas-lazy has-preview" alt="

    Amazon; Kim and North/TikTok

    Sia "Everyday Is Christmas" Album; North West” data-src=”https://s.yimg.com/ny/api/res/1.2/bHT6TKxThlZgbk4vstA1eA–/YXBwaWQ9aGlnaGxhbmRlcjt3PTk2MDtoPTY0MA–/https://media.zenfs.com/en/people_218/43d4e17eb9812bc75d55813b2a2edce4″><img alt="

    Amazon; Kim and North/TikTok

    Sia "Everyday Is Christmas" Album; North West” src=”https://s.yimg.com/ny/api/res/1.2/bHT6TKxThlZgbk4vstA1eA–/YXBwaWQ9aGlnaGxhbmRlcjt3PTk2MDtoPTY0MA–/https://media.zenfs.com/en/people_218/43d4e17eb9812bc75d55813b2a2edce4″ class=”caas-img”>

    Amazon; Kim and North/TikTok

    Sia “Everyday Is Christmas” Album; North West

    North West is truly feeling the Christmas spirit.

    In a series of TikToks shared by the 10-year-old’s joint account with mom Kim Kardashian, North wore a “Sia-inspired” set of pigtails made of ribbons clipped to her hair. She doubled down on the festive outfit with a Christmas sweater of a Santa flexing his muscles that said, “Welcome to the North Swole.”

    The pre-teen wore feather-hemmed plaid pants and Christmas socks to complete the look, which she wore as she danced around her beautifully decorated home to TikTok remixes of Mariah Carey’s “All I Want for Christmas Is You,” Ariana Grande’s rendition of “Last Christmas,” and several of Sia’s holiday hits.

    Never miss a story — sign up for PEOPLE’s free daily newsletter to stay up-to-date on the best of what PEOPLE has to offer, from juicy celebrity news to compelling human interest stories.

    Related: Kim Kardashian Takes Daughters North, 10, and Chicago, 5, to ‘Legendary’ Mariah Carey’s Christmas Show

    Last week, North shared a closer look at some of the family home’s decor, set to a sped-up version of Ariana Grande’s “Santa Tell Me.”

    The pan of the room showed numerous Christmas trees — one in all pink adorned with handbags, a few silver ones and a few in a darker gray. There were holiday treats all around the room, and a sign over the bed that read “North Pole.”

    “Holiday decor- one of the kids rooms!🎄,” the caption read.

    Last month, Kardashian brought North and Chicago, 5½, to see Mariah Carey’s Merry Christmas One And All! show at the Hollywood Bowl. The three were joined by Kris Jenner, Khloé Kardashian, True, 5½, and Dream, 7.

    Not only did they get to enjoy the show together, but they also got to meet the Queen of Christmas and her daughter, 12-year-old Monroe, and pose for some photos afterward.

    “The Queen of Christmas!!!! For the little girls very FIRST concert ever, we went to see the Queen herself, @mariahcarey !! We all had the best time, creating the most magical memories!! Thank you mommy for taking all of us! 🩵,” Khloé captioned photos from the night.

    Kim Kardashian/Instagram Sia and North West perform on Christmas Eve 2022

    During last year’s lavish annual family Christmas Eve party, North joined the Australian singer to perform her wintry track “Snowman” as the pair stood inside a life-sized gift box.

    The proud mom of four shared videos on her Instagram Story of daughter North enjoying her time in the spotlight, singing next to Sia with a microphone in hand. While Sia dressed elegantly in a long, white tulle gown with a matching headpiece, North looked chic in a shimmering black ensemble.

    “@Siamusic and North performing Snowman,” Kim captioned the video, while Khloé shared similar footage, writing, “We love you @siamusic.”

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    Read the original article on People.

    Source: yahoo.com

    Apache is functioning normally

    It’s now possible to activate all 5% category credit cards for the first quarter of 2024, including the Chase Freedom, Chase Freedom Flex, Discover IT, Citi Dividend, US Bank Cash+ and some smaller cards. In this post we’ll provide the activation link for each card and links to track your spend, along with strategies to help increase spend in these categories.

    Dates: January 1st – March 31, 2024. Store purchases can usually be done until the last minute while online purchases should be given a buffer zone of a day or two.

    Chase Freedom – Grocery, Fitness, Gym, Spa

    Activation Link / FAQ / Sample Stores & Exclusions / Our original post

    With the Freedom and Freedom Flex cards, activate to earn 5% back this quarter on up to $1,500 in spend at Grocery Stores, Fitness Club & Gym Memberships, Self-Care & Spa Services.

    • Grocery Stores – This is always a favorite since we all shop for groceries. Plus, you can max this out by purchasing gift cards to other retailers.
      • The terms exclude Walmart and Target, though I believe in the past readers have said that these sometimes do get classified as a grocery store.
      • Merchants in this category include supermarkets, merchants that offer a full-service grocery line of merchandise including a deli and bakery, as well as smaller grocery stores.
      • Some merchants that sell grocery items are not included in this category; for example, larger stores that sell a wide variety of goods and groceries, such as warehouse clubs, discount stores and some smaller merchants such as drugstores, and merchants that specialize in only a few grocery items.
      • Purchases made at gas stations from merchants who also operate grocery stores are not included in this category.
      • Delivery service merchants will be included if they classify as a grocery store merchant.
    • Fitness Club & Gym Memberships
      • Merchants in this category include health clubs, exercise, or athletic facilities requiring membership and offering access to services related to physical fitness, such as fitness clubs, fitness centers, fitness studios, gyms, aerobics, cardio fitness and other services such as yoga and cross fit training.
      • Merchants that specialize in offering personalized or therapeutic services such as massage therapy, dietary and weight management counseling and personal training are not included in this category.
      • In addition, some merchants that sell a wide variety of general goods, which may include fitness or athletic apparel, sporting goods, dietary food, health food or similar supplements are not included in this category.
      • Also, certain lodging, hotel, motel, resort and central reservation services offering access to third party facilities that include fitness clubs or gyms are not included in this category unless they classify as a fitness
        club or gym membership merchant.
    • Self-Care & Spa Services 
      • This category includes self-care and spa services, such as massages, spa treatments, manicures, tanning, and barber and salon services, purchased at merchant locations that specialize in providing these services.
      • Self-Care and spa services are typically provided by licensed professionals, however, services provided by medical professionals will not qualify.
      • Purchases of self-care and spa services at merchants that classify their location in another category, for example spa services purchased in a hotel, will not be included unless the merchant classifies the
        transactions in this category.
      • Purchases of related products and services, for example hair and skincare products purchased at a salon or an overnight stay at a spa, will also not be included unless the merchant classifies the transactions in this category.

    Tip: Click this link (login required) to check how far you are along the $1,500.

    Discover – Restaurants, Drugstores

    Activation Link / Our original post

    With your Discover card, activate to earn 5% back this quarter on up to $1,500 in purchases at Restaurants and Drugstores.

    • Restaurants – always a useful category
    • Drugstores – many pharmacies sell gift cards for a wide variety of retailers which is an option for maxing this out

    Activate to earn 5% Cashback Bonus at Restaurants and Drug Stores from 1/1/24 (or the date which you activate 5%, whichever is later) through 3/31/24, on up to $1,500 in purchases. Restaurant purchases include those made at merchants classified as full-service restaurants, cafes, cafeterias, fast-food locations, and restaurant delivery services. Drug Store purchases include those made at stand-alone drug stores, pharmacies, online pharmacies, and some pharmacies located inside of retail stores.

    Tip: Login, then click this link to see you how far along the $1,500 you are.

    Citi Dividend – Amazon, Streaming

    Landing Page | Our Original Post

    With your Dividend card, activate to earn 5% back this quarter on Amazon and select streaming services. Citi is different than the other cards in that you have a $6,000 annual cap rather than a $1,500 quarterly cap. You can get 5% back on up to $6,000 in this quarter or you can save the entire amount for a different quarter, or you can use part up each quarter.

    • Amazon
    • Select Streaming Services – Includes the following cable, satellite, and streaming providers: Amazon Prime Video, Amazon Music, Apple Music, Disney+, DirecTV Stream, ESPN+, fuboTV, HBO Max, NBA League Pass, Netflix, Pandora, Paramount+, Showtime, Sling TV, Spotify, Starz, SiriusXM, Vudu, YouTube Red, YouTube TV, and Tidal.

    US Bank Cash+/Elan – Select your Categories


    Activation link | Merchant List | Our Original Post

    U.S. Bank Cash+ and Elan Max offer 5% cash back in two categories, up to $2,000 combined total per quarter. Keep in mind that Car Rentals was recently replaced with TV, Internet, and Streaming Services.

    Here are the current options:

    • TV, Internet, and Streaming Services
    • Home utilities
    • Select clothing stores
    • Cell phone providers
    • Electronic Stores
    • Gyms/Fitness
    • Fast food
    • Ground Transportation
    • Sporting goods
    • Department Stores
    • Furniture Stores
    • Movie theaters

    Tip: Login here, then scroll down and click on the red “View Your Cash+ History” button.

    Bank of America Customized Cash Rewards

    Our Original Post

    The Cash Rewards card from Bank of America offers 3% back on one selected category, up to $2,500 per quarter. If you don’t select anything it defaults to gas. Once you selected a category for one quarter, that remains your category in the future unless you change it. Each calendar month you can change it if you’d like, but you’re always limited to $2,500 for the entire quarter.

    • Gas and EV charging stations (default category)
    • Online Shopping; this category also includes cable, streaming, internet, and phone plan
    • Dining
    • Travel
    • Drug Stores
    • Home Improvement/Furnishings

    This category is especially lucrative for those who have Preferred Rewards status with Bank of America which can get you 5.25% back on one of these categories at the higher relationship level.

    Lots of useful categories here. Important note: the Cash Rewards card also offers 2% back at grocery stores and wholesale clubs up to $2,500 per quarter, and that $2,500 limit combines with the Category Selection limit. After spending $2,500, you’ll earn 1% back on everything.

    Other Cards with 5% Category

    Nusenda FCU – ADD ME

    Landing Page | Our Original Post

    • Earn 5% this quarter on up to $1,500 in purchases on ADD ME

    This is on top of the regular 1% for a total earn of 6% back. (apparently no longer the case?)

    Abound CU – ADD ME

    Landing page | Our Original Post

    • Abound Credit Union Visa Platinum card offers 5% on up to $2,000 on ADD ME purchases.

    Langley FCU – Grocery, Wholesale & More

    Landing Page | Our Original Post

    • Langley Federal Credit Union offers 5% back each month in one selected category, on up to $100 cash back total ($2,000 spend).
    • The category options at time of this writing: Streaming Services, Internet, Cable, Groceries & Wholesale Clubs, Department Stores

    Vantage West [AZ] – Select your Category

    Landing Page | Our Original Post

    Get 5x points on the category of your choice, up to $1,500 per quarter. Eligible categories:

    1. Travel
    2. Restaurants
    3. Utilities [water, cell, electric, etc.]
    4. In-Store Wholesale Purchases [Costco, Sam’s Club, etc.]
    5. Department Stores
    6. Hardware & Home Improvement Stores
    7. Charitable Organizations
    8. Pharmacies & Drug Stores
    9. Amazon.com

    Safe Credit Union [CA] – ADD ME

    Landing Page | Our Original Post

    Safe Credit Union Cash Rewards Visa card offers 5% this quarter on your choice of one category each quarter (with no apparent limit). This quarter the categories are:


    Source: doctorofcredit.com

    Apache is functioning normally

    What is the kiddie tax?

    When a kid receives income for doing nothing, they’re at risk of triggering the kiddie tax, which the child’s parent or guardian will then have to pay.

    Under the kiddie tax, if a child is holding income-generating assets, and that income is above $2,500 for the year, their income is taxed at their parent or guardian’s marginal income tax rate. Investment or other unearned income in the form of capital gains, dividends and interest count.

    The kiddie tax threshold is $2,500 in 2023 and $2,600 in 2024. In other words, in 2023, a parent or guardian would have to pay income taxes on their child’s investment income above $2,500 at their income tax rate, not their child’s (which is likely lower).

    How does the kiddie tax work, and who does it apply to?

    Unearned income could take the form of distributions from investments in a custodial account, custodial Roth IRA for kids, or ABLE account, for instance. People with investment income who are under the age of 18, or dependent students between the ages of 19 and 24, are taxed as follows for 2023:

    1. The first $1,250 of unearned income is tax free. 

    2. The next $1,250 of unearned income is taxed at 10%, the lowest tax bracket for income tax filers.

    3. Any unearned income above $2,500 will be taxed at their parent’s marginal rate.

    Don’t forget to use IRS Form 8615 to file any unearned income.

    Get ready for simple tax filing with a $50 flat fee for every scenario

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    Why the kiddie tax? What’s the story?

    The kiddie tax was first enacted as a part of the 1986 Tax Reform Act. The purpose of the kiddie tax is to make sure assets gifted to children above a certain threshold are taxed at their parent’s rate.

    Imagine you bought a share of stock for $50 that’s now worth $100, and that you’ve held the share for more than a year. If you sell the share, you’ll be taxed at capital gains tax rates based on your income: 0%, 15%, or 20%. But if you give that stock to a child whose income is lower than yours, they could likely sell it at a lower capital gains rate than you. The kiddie tax is meant to prevent adults from realizing these lower capital gains by funneling investments through minors.

    So, in this scenario, if the sale of that stock netted more than $2,500, the capital gains tax amount above that would be based on the parent’s income, not the child’s. The knock-on effect of this is that parents now must be aware of any unearned income in their dependents’ investment account, even if they’re not trying to pull one over on the IRS.

    The bottom line

    If you want to pass down generational wealth, talking to a tax professional may help you figure out the most tax efficient way to do so. The kiddie tax reminds us that receiving investments as a gift isn’t always free, especially if that investment’s realized gains or annual unearned income are over $2,500.

    Get ready for simple tax filing with a $50 flat fee for every scenario

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    Next steps

    Source: nerdwallet.com