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Apache is functioning normally

May 29, 2023 by Brett Tams

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Calling all Civil War buffs and travel bucket-listers: If you’ve ever wanted to explore the war between the North and the South in great detail or check a bunch of states off your list in one trip, American Cruise Lines has a cruise for you. It’s a monthlong sailing to nearly all the major battlefields across 12 states and the District of Columbia.

For more cruise guides, news and tips, sign up for TPG’s cruise newsletter.

On May 4, 2024, passengers will set sail from New Orleans on the line’s Civil War Battlefields Cruise, a 34-day sailing that winds along the Mississippi, Tennessee and Potomac rivers; the Intracoastal Waterway; and the Chesapeake Bay.

Along the way, the itinerary includes calls on destinations in Mississippi, Tennessee, Kentucky, Alabama, Georgia, Florida, South Carolina, North Carolina, Virginia, Maryland and Washington, D.C., before ending on June 6, 2024, in Gettysburg, Pennsylvania. Stops offer a chance to visit key locations such as Fort Sumter, Antietam National Battlefield and Bull Run.

The itinerary for American Cruise Lines’ 34-day Civil War cruise. AMERICAN CRUISE LINES

Cruisers will begin their journey on American Melody and transfer to two other ships — American Symphony and American Eagle — throughout the trip, allowing them to access additional locations that were key to the war. Transportation between ships and waterways is provided for free.

The onboard experience on each ship will be equally themed, featuring expert speakers who will discuss both sides of the war. Led by Bertram Hayes-Davis, the great-great-grandson of Jefferson Davis, who served as the president of the Confederacy, the sailing will offer a rare perspective.

“This cruise is one of the most wholistic views of the Civil War ever offered,” Hayes-Davis said in a statement from American Cruise Lines. “Guests will experience the people, places and events of the war as they visit the battlefields and stand where history was made. This is a unique opportunity to see the entire scope of the battles of the Civil War and put them in context to each other and the entire conflict.”

The voyage is currently open for booking, with fares starting from $24,700 per person. Prices include accommodations, onboard entertainment and lectures, all meals, beer and wine with lunch and dinner, a daily cocktail hour, Wi-Fi, daily shore excursions, a one-night pre-cruise hotel stay (stretching the trip to 35 days), transportation and any necessary hotels when transferring to other ships, crew gratuities, and taxes and fees.

Planning a cruise? Start with these stories:

Source: thepointsguy.com

Posted in: Moving Guide Tagged: accommodations, Alabama, All, beer, before, bucket, chance, columbia, Eagle, Entertainment, events, experience, Fees, Financial Wize, FinancialWize, Florida, Free, Georgia, great, guests, Guides, history, hotels, in, journey, list, Maryland, mississippi, More, new, News, north carolina, offer, opportunity, or, Other, Pennsylvania, Planning, points, president, Prices, sailing, South, South Carolina, states, stories, taxes, Tennessee, tips, Transportation, Travel, unique, virginia, war, washington, wi, Wi-Fi, will

Apache is functioning normally

May 27, 2023 by Brett Tams
Looking for the perfect gift for a young person who has everything? Check out our list of 35 cool gifts for kids who have everything! These creative gifts include unique toys and non-toy ideas.From toys to clothing, there's something for everyone on this list.

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.


Okay, you are reading this because you are overwhelmed with the fact that your kids have everything (or the kids you want to buy gifts for).

That is a tough situation to be in.

In today’s society, kids are quick to get anything and everything they want. There are a million different reasons for that. But, that is the reality our society lives in. In fact, research proves overindulged kids may experience lifelong consequences.

So, what do you get for kids who have everything?

You have to really search and put some thought into finding an awesome gift – even better a gift that is not a toy.

Maybe it is the year to consider a no gift Christmas?

Kids who have everything may seem like they have it all, but there are still gifts that will surprise and delight them.

Let’s dig into these cool gifts for kids who have everything.

Looking for the perfect gift for a young person who has everything? Check out our list of 35 cool gifts for kids who have everything!  These creative gifts include unique toys and non-toy ideas.From toys to clothing, there's something for everyone on this list.

What do you get a kid who has everything?

You need an off-the-wall gift that is out of this world.

In order to hit a grand slam, you must really know the kid you are purchasing a gift for.

And honestly, most of the best gifts are gifts of time – specifically experience gift ideas.

What to get a kid that’s not a toy?

If you are looking for non-toy gift ideas for kids, there are many options to choose from. You need to turn your mind off the traditional gift giving and think outside the box.

Great ideas include anything personalized, educational classes, sports gear, or experiences like ziplining.

Whatever you choose, the important thing is that it is something the child will enjoy and cherish.

Lifesaver Ideas to Turn To – The 4 Gift Rule

The 4 Gift Rule is a guideline to help you find the perfect gift for someone. It suggests that you should give something that the person needs, wants, or may not have already. Since we have determined that “something they want” is already taken care of, here are the other 3 gift rules to consider.

  • Something they need: Think about school, sports, and activities – what is it that they need? Do they play baseball and outgrown their catcher’s gear? Interested in robotics, but don’t have the computer subscriptions to keep learning? There are many unique options available as this is personalized to them.
  • Something to wear: Even if your child has a closet full of clothes, there are always new fashion trends and styles that come out each season. They may also need new shoes or accessories to go with their outfits.
  • Something to read: Books make great gifts for kids of all ages. If your child is into sports, you can get them a biography of their favorite player. If they’re into history, look for a book about a topic they’re interested in. Right now, graphic novels are the big hit!

Whether you’re looking for a unique gift for a loved one, or need some helpful ideas for yourself, check out some of these amazing options.

Need Creative Gifts?

Here are the best places to find creative gifts.

  • If you’re looking for creative gifts, turn to Etsy! It offers a wide selection of handmade and vintage items that will surely provide hours of fun.
  • Need something quick, check out these Amazon gift guides.

Unique Gift Ideas for Kids and teens – Specifically Gifts for Kids who Have Everything

Picture of teenagers for unique gift ideas for kids and teens.

Everyone loves gifts, and kids are no exception.

However, when you are on the hunt for cool presents to buy your child that they won’t get tired of playing with or using over and over again, you may find yourself coming up short.

This is where we come in!

We have compiled a list of 35 cool gifts for kids who already have everything or are just too young to know what they want.

These gifts are sure to make your shopping experience a breeze and will keep you from having to hear the dreaded question, “What do I get them?”

Subscription

One option for a kid who seems to have everything is to get a subscription to their favorite magazine or TV show. This will keep them entertained and give them something new to look forward to each month or week.

Great options include Amazon kids or Kindle Unlimited.

Subscription Boxes

There are so many reasons why subscription boxes are so much fun. They are a way to try out new things without committing to anything. Plus, they come with a lot of great discounts.

You can also find boxes that are perfect for specific interests.

Kitchen Science Kit

The Kitchen Science Kit is a great gift for kids who love to know how things work and want to learn more. It comes with plenty of pieces that your child needs to start testing their experiments. This kit will help your child learn life skills like patience, organization, and creativity.

Coding Games

There are many great coding games that make excellent gifts for kids who have everything.

  • One option is the Bitsbox coding subscription box, which is designed for kids ages 6-12 and provides them with a variety of STEM education activities.
  • Another option is the Booleen Box, which is a computer building game that is perfect for kids who are interested in technology and engineering.

Both of these games are great ways to get kids interested in coding and help them develop important skills for the future.

Time Capsule

Time Capsules are a great way to preserve your memories and experiences. You can store anything in a time capsule, such as photos, articles, and notes.

The recipient can open the capsule in the future and experience the memories stored inside. Get your time capsule container!

Spa Day Kit

If you are looking for a unique and thoughtful gift for a child in your life, look no further than the Spa Day Kit. This kit includes everything a child needs for fun and relaxing spa day, including a bath bomb, nail polish, and hair treatment. The easy-to-use instructions make it perfect for kids of all ages, and the kit makes a great gift for moms on any occasion.

Scientific Explorer – My First Mind Blowing Science Kit

The Scientific Explorer My First Mind Blowing Science Kit is perfect for kids who are just starting to learn about the scientific method. This kit comes with a lot of different materials that help kids learn about science. It’s a great way for kids to learn about science and see how it works.

Customized Journal

Customized journals are a great way to show your personality and interests. You can choose the cover, the paper, and the layout of your journal. You can also add your own photos and drawings.

This will be something special that the child can use to document their thoughts and experiences. Pick your design on the customized journal here.

Customized Planner

There are a lot of different things that you can get a kid that doesn’t want toys. One idea is to give them a customized planner.

This will help them stay organized and be able to keep track of their school work, extracurricular activities, and social events. Design your customized planner here.

Lego Chain Reactions Kit

This is a great gift for kids who like to build and experiment. The portable craft studio is easy to carry and organized by item type and color group.

If your kids seem like they have outgrown Legos, check out Gravitrax! Hours of wonder and fun for preteens and teens!

ABC Mouse

The ABC Mouse is a great gift for kids of all ages.

It features age-appropriate games and activities, as well as family-friendly shows that kids can watch. You’ll have peace of mind knowing that your kids are engaged with awesome content when you give them the ABC Mouse.

Customized Jewelry

One option for a unique gift for a kid who has everything is customized jewelry. You can find stores that will let you personalize items like necklaces, bracelets, and earrings with the child’s name or initials. This makes the gift special and something they can treasure for years to come.

Amazon Glow

Amazon Glow is an interactive entertainment and video-calling system designed for children. A great way to keep in touch with grandparents.

It has a huge 19″ touchscreen that let’s kids be kids, and an interactive video call on a tablet or smartphone. Amazon Glow is designed for children to learn and play with each other, making it the perfect gift for your tech-savvy kid.

The service requires an Amazon Kids+ subscription, which automatically renews every month. For just $4.99 per month, you can give your child access to a wide variety of toys that they are sure to love.

Craft Supplies

When you give someone a craft supplies as a gift, you are giving them the opportunity to create something special. This could be anything from a new piece of jewelry to a painting.

Craft supplies are also a great way to show your appreciation for someone.

Gift Basket

Kids love to get gifts, but it can be hard to come up with something unique and special. If you’re looking for a gift that your child will love, you should consider building a gift basket.

This is a great way to combine different types of gifts, and it’s a fun way to spend some time together.

For example, my daughter got a princess-themed gift basket when she was little.

Non-toy gift idea for kids: Experiences

Picture of a group of teens for non toy gift ideas for kids - experiences.

Experiences make great gifts for kids because they can be educational, fun, and memorable.

Some great ideas for experiences to give as gifts include museum visits, sporting events, Broadway shows, dinner at a fancy restaurant, science exhibits, art exhibits, theme parks, comedy clubs, acting classes, and dance classes.

Master Classes

Master Classes are a great way for kids to learn from the masters.

They provide a unique experience that can help kids learn about anything (almost). Master Classes can be a great gift for kids because they can help them learn new things and improve their skills.

I remember and treasure all of the master classes I took growing up.

Spa Experience for Kids

One way to give the gift of a spa day to kids is to buy some bath bombs, nail polish, and hair treatments. Another way is to set up a little home spa kit.

Finally, you can spend some quality time together and have fun!

Grab all of your spa experience supplies here.

Tickets to a favorite play or concert

One option is to get tickets to the child’s favorite play or concert.

This will give them an experience they will enjoy and remember for a long time.

Every time Imagine Dragons come to our city, I always hear the kids practicing their lyrics.

Tickets to Sporting Events

There are a lot of great sporting events happening throughout the year that your kid would love to attend.

Whether it’s a professional game or a college game, sporting events make for great memories. And tickets aren’t as expensive as you might think!

Head to the Theatre for a Broadway Show

Do you have a family member or friend who loves to go to the theatre?

Perhaps they’ve seen a show before and are always looking for something new to see. Head to the theatre for a Broadway show!

Broadway shows are often full of excitement and suspense. Your loved one will have a memorable time and you’ll get to go out with them!

A day of sleeping in

One idea is to give the child a day of sleeping in especially popular with middle schoolers and high schoolers.

This can be a great gift for kids who seem to have everything and are always on the go. It can also be a chance for parents to spend some time alone or with other siblings.

A day at a zoo

One idea is to give the child a day at the zoo. This can be an all-day experience or simply a visit to see the animals.

It can be fun and educational, and it’s something different that the child may not have done before.

Game Night

Kids love the game night! It’s a great way to bond with friends, have some fun, and learn new things. There is a lot of fun non-toy gifts you can give your kids for a game night that will make it even more enjoyable. Here are a few ideas to get you started:

  1. Set up a board game or card game in your home and let the kids play with you.
  2. If your child is a competitive type, give him or her an incentive to win by offering a small prize for the winner of each game. This will make the game night more exciting.
  3. If you are playing a card game, make sure to have plenty of snacks and drinks on hand in case anyone gets thirsty or hungry while playing the game.

Check out the latest games on the market!

A day of cooking with a celebrity chef

One unique gift you could give to a kid who has everything is a day of cooking with a celebrity chef. The child will get to learn how to cook their favorite dishes from the best in the business, and they will get to eat their creations afterward.

Great for the aspiring chef!

Theme Park Excursion

If you’re looking for a unique gift for a kid who has everything, why not take them on a day trip to a theme park?

A day at a theme park could be a great non-toy gift idea for kids. Kids would love the chance to go on rides, explore the park, and enjoy the company of their friends. .

They’ll get to experience all the fun and excitement of a theme park while spending time with you (and their friends).

Splash at a water park

A day at the water park can be a great gift for kids who have everything. They will enjoy hours of fun in the sun and get to cool off in the water.

Plus, they will be able to play with their friends and make some new ones. Maybe even consider a season pass?

Flight Lessons

If you’re looking for a unique and cool gift for a kid who has everything, how about flying lessons?

There are many different programs that offer this experience, and it is sure to be something the child will never forget. They will get to fly in the cockpit of a private jet or airliner, and may even have the opportunity to take the controls!

They may even make a career choice out of this gift.

A day with a celebrity

Could you imagine if this kid got a chance to hang out with Dude Perfect or Ninja Kidz all day?!?!

They would be on cloud nine.

That would be one unique and cool gift for kids who have everything.

Course at a local college

One idea is to give the child a day of learning by taking him or her to a local college for a course of their choice.

This will allow the child to explore new interests and learn something new in a fun and stimulating environment.

There are plenty of classes to choose from.

Kid’s Choice Dinner

One great gift idea for kids is to give them a Visa Gift card. This way, they can “pay for dinner” and have a fun experience doing it.

Also, you could also give them a gift card to a grocery store so they can cook their own dinner. This would be especially beneficial if you teach them how to cook their own dinner as well.

A day of doing nothing

When it comes to finding a unique and interesting gift for a kid who has everything, sometimes the best option is to give them nothing at all.

A day of doing nothing can be just what they need to relax and enjoy their birthday or special occasion.

Can adults have this one too, please?!

Dinner at a Fancy Restaurant

A dinner at a fancy restaurant can be a great gift for kids.

Kids will love the experience of trying a different cuisine and sitting at a high-end table. Plus, spending a special night out with friends can be a memorable experience.

A day of service at a local charity

One option for a kid who has everything is to give them a day of service at a local charity.

This will allow the child to spend time giving back and helping those in need, which can be just as rewarding as any material gift.

In fact, this is why mission trips are so popular!

Some other fun experience gifts for kids include go-karting, theme parks, and escape rooms. These experiences are exciting and new, and they’re something that the kids can enjoy together.

The Ultimate Gift Idea for Kids: Cold Hard Cash

Picture of cash for the ultimate gift idea for kids.

Giving cash as a gift is a good idea because it is a tangible gift that can be used immediately.

It is also a great way to avoid any possible clash of interests with the child who might receive the gift. Cash is a low-key way to show your appreciation for the child, and it is also a way to avoid feeling obligated to give a gift.

Also, it helps kids to realize the value of money and how to manage it. Those life lessons might be well worth it!

Giftcards.com

Or a Gift Card

When you don’t know what to get a kid who seemingly has everything, a gift card is always a safe option.

With so many different stores and places to spend them, gift cards let the child choose what they really want. This way, you know they’ll be happy with their present.

Unique Fun Toys or Eyes to See the World?

Picture of gift bags for unique fun toys.

Now, you have a decision to make…

Will you go with: unique fun toys or experiences? The choice is yours.

Just remember… one will leave a longer impact on the recipient than the other. That is why many families are opting for Christmas experiences over traditional gifts.

Which Creative Gifts Will You Get?

Picture of a kid figuring out creative gifts for kids who everything.

If you have a child that seems to have everything, it can be hard to know what to get them for gifts. However, there are still some great options out there.

It is proven that experiences bring more happiness than traditional gifts, so why not lean to towards those ideas.

There’s no need to spend a fortune on a gift for a kid who has everything. With a little bit of creativity, you can find a gift that will be sure to put a smile on everyone’s face.

Review our list and see what takes your fancy!

If you’re looking for a gift for a young person who has everything, our list of 35 cool gifts is sure to have something for everyone. From non-toys to clothing ideas, there’s something for everyone on this list.

So, what are you waiting for? Get shopping!

You probably need inexpensive gifts for the woman who has everything, right?

Need More Christmas Gift ideas?

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

Source: moneybliss.org

Posted in: Money Tips Tagged: About, Activities, age, All, Amazon, appreciation, art, baseball, before, best, big, birthday, bond, book, Books, build, building, business, Buy, Career, chance, charity, Children, choice, Christmas, christmas gift ideas, city, Closet, Clothes, Clothing, College, color, comedy, commission, company, cooking, cost, creativity, decision, design, disclosure, Discounts, education, Entertainment, environment, events, expensive, experience, Family, Fashion, Fashion Trends, Features, Financial Wize, FinancialWize, flight, friendly, fun, future, game night, games, gift, Gift Cards, gift giving, gift guides, gift ideas, gifts, Giving, good, Graphic, great, grocery, Guides, Happiness, helpful, history, holiday, home, hours, How To, ideas, impact, in, items, kids, kitchen, layout, Learn, lessons, Life, Links, list, Local, low, Make, making, manage, market, member, memories, money, More, museum, needs, new, offer, offers, opportunity, or, organization, Other, painting, parents, park, patience, peace, personality, photos, planner, play, Popular, present, programs, quality, Research, restaurant, Review, right, safe, School, science, search, shopping, short, social, society, spa, Spending, Sports, subscriptions, Tech, Technology, theme park, time, time capsule, traditional, trends, tv, unique, value, Video, visa, wall, wants, will, woman, work, young

Apache is functioning normally

May 27, 2023 by Brett Tams

If you happen to be on the market for your first, second, or even third home, and are not too keen on taking out a 30-year house mortgage from a bank, then a prefabricated home may be a good option for you.

Actually, an article on How Stuff Works pointed out that prefab homes have been a great housing on a budget strategy since the early 1900s, costing on average 20-40% less than traditional stick-built, architect designed homes.

What are prefab homes?

Essentially, prefab housing is a system where a house is pre-manufactured in parts off-site (usually in a factory) and then delivered, also in parts, on a building site to be put together by a handful of people, skilled in building a home.

Imagine getting a box from Ikea and getting ready to assemble a book cabinet or a table, only this one will have thousands more building pieces — and considerably heavier and more complex. But that’s still a house in a box! 

In addition to their affordability, energy efficiency and speedy construction, prefab homes have also been adapted over the years to meet the architectural designs of more current times.

Prefab home manufacturers constantly implement the latest innovations into their designs for that high-end, updated, modern look within a sustainable, purposeful living space and all around zen.

modern-prefabricated-home
Photo by Evan Leith on Unsplash

So how much does a modern prefab cost?

According to the guys at Stillwater Dwelling, the average total project price for prefab homes range from $350 to $450/sq. foot.

This is a national average. Needless to say, the site conditions (location, topography, soil conditions, etc.) and choice of finish will impact the total project cost.

There are wide options of finishes depending on your personal taste and how much you are willing to invest in a place you will soon call your home.

For a better understanding of the costs you’d be looking at, Tough Nickel has listed a few sample prefab homes and unit prices, ranging from $75,000 as one of the cheapest to $566,000 as some of the priciest.

The biggest con amidst all these pros however is that you have to own the land you build your prefab house on. This means on top of the price of your home kit, you will have to buy the land.

The cost of getting the land home-ready, e.g. power and water installation, are also at your expense.

modern-prefab-home
Photo by Kristin Ellis on Unsplash

Other costs you should factor in

According to SmartAsset, you would most likely need to shoulder cost for inspections, permits and soil testing on the land. This can all easily add up and therefore needs to be factored in beforehand. Like everything else in life, good planning can make a world of a difference.

Overall, building a modern prefabricated home is no doubt a cost-effective way to put a permanent roof over your head.

You just have to take your time and do your research, discuss your ideas extensively with every manufacturer you are considering, and take full charge of the construction of your own home. Happy building!

Learn more about prefab homes

* Please note that this section contains affiliate links and we might receive a small commission if you make a purchase by clicking on these links *

Here is some recommended reading and great inspiration if you are considering getting a prefabricated home. We curated this list of helpful resources to give you access to more comprehensive information on the costs of building a prefabricated home, best practices and tips to make it as energy efficient as possible. Please note that the following affiliate links might earns us a commission if you buy any of the guides or illustrated books.

Prefabulous and Sustainable: Building and Customizing an Affordable, Energy-Efficient Home
Tiny House Designing, Building, & Living (Idiot’s Guides)
Prefabulous + Almost Off the Grid: Your Path to Building an Energy-Independent Home
And if you just want to look at gorgeous prefabricated homes, make sure to grab this for your coffee table: Prefabulous Small Houses – Hardcover

Source: fancypantshomes.com

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Apache is functioning normally

May 26, 2023 by Brett Tams

The home-buying process can seem daunting for first-time homebuyers. The good news is there are some mortgage lenders that offer home loan products designed to provide more ease with the process, which can be very appealing to many first-time future homeowners.

To help you get started, CNBC Select rounded up a list of the best mortgage lenders first-time homebuyers should consider. We evaluated home loan lenders based on the types of loans offered, customer support, credit score requirements and minimum down payment amount, among others (see our methodology below.)

Beyond just the lowest rates, it’s important to go with the lender that offers the best loan terms to suit your needs. There’s a learning curve when it comes to homeownership, but we’ve included an FAQs section below to help you get a better understanding of some aspects of the process.

The best mortgage lenders for first-time homebuyers

Best for loan variety

PNC Bank

  • Annual Percentage Rate (APR)

    Apply online for personalized rates; fixed-rate and adjustable-rate mortgages included

  • Types of loans

    Conventional loans, FHA loans, VA loans, USDA loans, jumbo loans, HELOCs, Community Loan and Medical Professional Loan

  • Terms

    10 – 30 years

  • Credit needed

  • Minimum down payment

    0% if moving forward with a USDA loan

Pros

  • Offers a wide variety of loans to suit an array of customer needs
  • Available in all 50 states
  • Online and in-person service available

Cons

  • Doesn’t offer home renovation loans

Who’s this for? PNC Bank has a wide variety of home loan options, making it easy for first-time homebuyers to find a loan that suits their circumstances. This lender offers conventional loans, FHA loans, VA loans, jumbo loans and HELOCs. On top of that, PNC Bank offers USDA loans, which can be tougher to find among some lenders. PNC Bank also has some specialized loan options, like the Community Loan, which is meant for individuals with lower cash reserves and allows for a down payment as low as 3% and no PMI (private mortgage insurance).

It also offers a Medical Professional Loan for interns, residents, fellows or doctors who have completed their residency in the last five years. Eligible borrowers for this loan can borrow up to $1 million and won’t have to pay PMI, regardless of their down payment amount.

In addition to all these offerings, PNC Bank gives eligible borrowers the chance to qualify for a $5,000 grant to be used toward closing costs. Eligible borrowers must have an income at or below 80% of the median household income for the metropolitan statistical area (MSA), or their desired property must be located in a low- or moderate-income census tract as designated by the FFIEC, according to PNC’s website.

Best for educational offerings

Bank of America Mortgage

  • Annual Percentage Rate (APR)

    Apply online for personalized rates; fixed-rate and adjustable-rate mortgages included

  • Types of loans

    Conventional loans, FHA loans, VA loans, jumbo loans, doctor loans and the Affordable Loan Solution mortgage

  • Terms

    15 – 30 years

  • Credit needed

    Not disclosed

  • Minimum down payment

    0% if moving forward with a VA loan; 3% if moving forward with the Affordable Loan Solution mortgage

Pros

  • Offers a wide variety of loans to suit an array of customer needs
  • Offers an Edu-Series for educating first-time homebuyers as well as other learning resources and materials
  • Online and in-person service available
  • Fixed-rate and adjustable-rate mortgages offered
  • Reduced cost of mortgage insurance

Cons

  • Doesn’t offer USDA loans

Who’s this for? Bank of America stands out for its first-time homebuyer educational resources. Aside from home loan calculators, which are typical for mortgage lenders to provide on their websites, Bank of America has an online “Edu-Series” for first-time home buyers. There are also guides on its website that break down key terms and a list of FAQs geared toward first-time home buyers.

Bank of America also offers a variety of loan options, including a home loan for medical professionals. With this loan, doctors, dentists, residents and fellows can make down payment minimums that are tiered based on the size of the loan they’re applying for. They’ll put down at least 3% on mortgages up to $850,000, at least 5% on mortgages up to $1 million, at least 10% down on mortgages up to $1.5 million and at least 15% down on mortgages to $2 million. If you’re a medical professional, Bank of America will also exclude your student loan debt from your total debt when you’re applying for the loan. This could bring down your debt-to-income ratio for the purposes of applying for the loan and make it easier for you to qualify.

Even if you aren’t a qualifying medical professional, you can still potentially take advantage of tiered down payment terms through the Affordable Loan Solution mortgage option. With this loan, eligible borrowers can make a down payment as low as 3% on loan amounts up to $726,200, and as low as 5% on mortgages up to $1,089,300. Mortgage insurance would be required if making down payments lower than 20%, but according to Bank of America’s website, the mortgage insurance would come at a reduced cost compared to that of other conventional loans.

Best for lower credit scores

Rocket Mortgage

  • Annual Percentage Rate (APR)

    Apply online for personalized rates

  • Types of loans

    Conventional loans, FHA loans, VA loans and Jumbo loans

  • Terms

    8 – 29 years, including 15-year and 30-year terms

  • Credit needed

    Typically requires a 620 credit score but will consider applicants with a 580 credit score as long as other eligibility criteria are met

  • Minimum down payment

    3.5% if moving forward with an FHA loan

Pros

  • Can use the loan to buy or refinance a single-family home, second home or investment property, or condo
  • Can get pre-qualified in minutes
  • Rocket Mortgage app for easy access to your account

Cons

  • Runs a hard inquiry in order to provide a personalized interest rate, which means your credit score may take a small hit
  • Doesn’t offer USDA loans, HELOCs, construction loans, or mortgages for mobile homes
  • Doesn’t manage accounts for jumbo loans after closing

Who’s this for? First-time homebuyers tend to be younger and may not have a long credit history, which can make it harder to qualify for a good mortgage rate. Rocket Mortgage stands here because it accepts applicants with credit scores as low as 580. The lender also has a program called the Fresh Start program that’s aimed at helping potential applicants boost their credit score before applying.

Rocket Mortgage offers conventional loans, FHA loans, VA loans and jumbo loans but not USDA loans, which means this lender may not be the most appealing for potential homebuyers who want to make a purchase with a 0% down payment. Rocket Mortgage doesn’t offer construction loans (if you want to build a brand new custom home) or HELOCs, but if you’re a homebuyer who only plans to purchase a single-family home, a second home, or a condo that’s already on the market, this shouldn’t be a drawback for you.

This lender offers flexible loan repayment terms that range from 8 – 29 years in addition to standard 15-year and 30-year terms.

Best for no lender fees

Ally Bank Mortgage

  • Annual Percentage Rate (APR)

    Apply online for personalized rates; fixed-rate and adjustable-rate mortgages included

  • Types of loans

    Conventional loans, HomeReady loan and Jumbo loans

  • Terms

    15 – 30 years

  • Credit needed

  • Minimum down payment

    3% if moving forward with a HomeReady loan

Pros

  • Ally HomeReady loan allows for a slightly smaller downpayment at 3%
  • Pre-approval in just three minutes
  • Available in all 50 U.S. states
  • Online support available
  • Doesn’t charge lender fees

Cons

  • Doesn’t offer FHA loans, USDA loans, VA loans or HELOCs

Who’s this for? Ally Bank doesn’t charge any application fee, origination fee, processing fee or underwriting fees. These are what’s collectively known as “lender fees” and they can cost you anywhere from a few hundred to a few thousand dollars, and eat into the money you put aside for buying your home. When you’re a first-time home buyer, going through the process as affordably as possible is often top-of-mind, so saving on these fees will let you keep more of your money for other things, like renovations or moving costs.

Keep in mind, though, that Ally Bank may still charge appraisal fees and recording fees and may charge for the title search and insurance. As long as you have all the necessary documents handy and submit complete and accurate information, you can get pre-approved for a loan in as little as three minutes online and submit your application in just 15 minutes.

Best for no PMI

CitiMortgage®

  • Annual Percentage Rate (APR)

    Apply online for personalized rates

  • Types of loans

    Conventional loans, FHA loans, VA loans and Jumbo loans

  • Terms

    15 – 30 years

  • Credit needed

  • Minimum down payment

Terms apply.

Pros

  • Citi’s HomeRun Mortgage program allows for a downpayment as low as 3%
  • Citi’s Lender Assistance program gives eligible homebuyers a credit of up to $5,000 to use toward closing costs
  • Ability to choose between fixed-rate and adjustable-rate mortgages
  • New and existing Citi bank customers can qualify for closing cost discounts based on their account balance
  • HomeRun mortgage program allows for a downpayment of less than 20% without PMI
  • Provides homeownership education and counseling

Cons

  • No options for a 0% downpayment
  • Existing customers need high account balances to receive some of the highest interest rate discounts

Who’s this for? CitiMortgage gives homebuyers a chance to save big-time by waiving the PMI (private mortgage insurance) requirement on loans with down payments below 20%. This can be done by applying for a mortgage through Citi’s HomeRun program, which also allows for down payments as low as 3%.

PMI is typically a required monthly charge with other home loans if you make a down payment of 20% or less. But PMI can cost you tens of thousands of dollars extra over the entire life of the loan. The money you save from not paying PMI could potentially go towards saving for a second property, a home renovation, or any other financial goal you have. HomeRun mortgages also allow borrowers to lock in a fixed rate on their mortgage so they won’t have to worry about their rate increasing down the line.

FAQs

How do mortgages work?

A mortgage is a type of loan you can use to purchase a home. This agreement essentially says you can purchase a home without paying for it in full, upfront — you’ll just need to put some of the money down — usually between 3% and 20% of the home price — and pay smaller, fixed monthly payments over a certain number of years, plus interest and potentially other charges. Having a mortgage allows you to own the property even if you don’t have the hundreds of thousands of dollars in cash needed to purchase it outright.

What is a conventional loan?

A conventional loan is a home loan that’s funded by private lenders and sold to government enterprises such as Fannie Mae and Freddie Mac. It’s a very common loan type and some lenders may require a down payment as low as 3% or 5%.

What is an FHA loan?

A Federal Housing Administration loan, or FHA loan, is a loan program that has some slightly looser requirements. For example, this loan program may allow some borrowers to be approved for a loan with a lower credit score or be able to get away with having a higher debt-to-income ratio. You’ll typically only need to make a 3.5% down payment with this type of loan.

What is a USDA loan?

A USDA loan is offered through the United States Department of Agriculture and is aimed at borrowers who want to purchase a home in a qualifying rural area. USDA loans don’t require a minimum down payment, so borrowers can use this loan to purchase a home for almost no money upfront (you’ll still likely pay fees, though).

What is a VA loan?

VA mortgage loans are provided through the U.S. Department of Veterans Affairs and are meant for service members, veterans and their spouses. They typically require a 0% down payment and borrowers don’t have to pay private mortgage insurance.

What is a jumbo loan?

A jumbo loan is meant for home buyers who need to borrow more than $647,200 to purchase a home. Jumbo loans usually have stricter credit score and debt-to-income ratio requirements, and they also typically require a larger minimum down payment.

How is my mortgage rate decided?

Mortgage rates change almost daily and can depend on market forces such as inflation and the overall economy. However, your specific mortgage rate will depend on your location, credit report and credit score. The higher your credit score, the more likely you are to be qualified for a lower mortgage interest rate.

Be sure to submit the necessary information for more personalized rate estimates from your desired lender.

What is the difference between a 15- and 30-year term?

A 15-year mortgage gives homeowners 15 years to pay it off in fixed, equal amounts plus interest, while a 30-year mortgage gives homeowners 30 years to pay it off. Monthly payments are generally lower with a 30-year mortgage since you’ll have a longer period of time to pay off the loan. However, you’ll wind up paying more in interest over the life of the loan since it is charged on a monthly basis. A 15-year mortgage, on the other hand, lets you save on interest but you’ll likely have to make a higher monthly payment.

How does private mortgage insurance (PMI) work?

Lenders charge private mortgage insurance (PMI) to protect themselves in the event that a borrower defaults on their loan. PMI is assessed to your account if you choose to make a down payment of less than 20%. You’ll be responsible for paying this in addition to your monthly mortgage payments.

However, you can usually have the PMI waived after you’ve made enough payments to build 20% equity in your home.

Bottom line

If you need to take out a mortgage to purchase your first home, you have options. Certain mortgage lenders stand out for first-time homebuyers by considering applicants with lower credit scores, offering lower down payments and providing useful educational resources.

Keep in mind that mortgage interest rates fluctuate often and the rate you receive will vary depending on your location, credit score and credit report. While lenders may post general interest rate ranges on their websites, the best way to get a more accurate estimate of your rate is to provide the necessary information to check your rate.

Our methodology

To determine which mortgage lenders are the best for first-time homebuyers, CNBC Select analyzed dozens of U.S. mortgages offered by both online and brick-and-mortar banks, including large credit unions, that come with fixed-rate APRs and flexible loan amounts and terms to suit an array of financing needs.

When narrowing down and ranking the best mortgages, we focused on the following features:

  • Fixed-rate APR: Variable rates can go up and down over the lifetime of your loan. With a fixed rate APR, you lock in an interest rate for the duration of the loan’s term, which means your monthly payment won’t vary, making your budget easier to plan.
  • Types of loans offered: The most common kinds of mortgage loans include conventional loans, FHA loans and VA loans. In addition to these loans, lenders may also offer USDA loans and jumbo loans. Having more options available means the lender is able to cater to a wider range of applicant needs. We have also considered loans that would suit the needs of borrowers who plan to purchase their second home or a rental property. 
  • Closing timeline: The lenders on our list are able to offer closing timelines that vary from as promptly as two weeks after the home purchase agreement has been signed to as many as 45 days after the agreement has been signed. Specific closing timelines have been noted for each lender.
  • Fees: Common fees associated with mortgage applications include origination fees, application fees, underwriting fees, processing fees and administrative fees. We evaluate these fees in addition to other features when determining the overall offer from each lender. Though some lenders on this list do not charge these fees, we have noted any instances in which a particular lender does. 
  • Flexible minimum and maximum loan amounts/terms: Each mortgage lender provides a variety of financing options that you can customize based on your monthly budget and how long you need to pay back your loan.
  • No early payoff penalties: The mortgage lenders on our list do not charge borrowers for paying off the loan early. 
  • Streamlined application process: We considered whether lenders offered a convenient, fast online application process and/or an in-person procedure at local branches. 
  • Customer support: Every mortgage lender on our list provides customer service via telephone, email or secure online messaging. We also opted for lenders with an online resource hub or advice center to help you educate yourself about the personal loan process and your finances.
  • Minimum down payment: Although minimum down payment amounts depend on the type of loan a borrower applies for, we noted lenders that offer additional specialty loans that come with a lower minimum down payment amount. 

After reviewing the above features, we sorted our recommendations by best for loan variety, educational offerings, lower redit scores, no lender fees and no PMI.

Note that the rates and fee structures advertised for mortgages are subject to fluctuate in accordance with the Fed rate. However, once you accept your mortgage agreement, a fixed-rate APR will guarantee the interest rate and monthly payment remain consistent throughout the entire term of the loan, unless you choose to refinance your mortgage at a later date for a potentially lower APR. Your APR, monthly payment and loan amount depend on your credit history, creditworthiness, debt-to-income ratio and the desired loan term. To take out a mortgage, lenders will conduct a hard credit inquiry and request a full application, which could require proof of income, identity verification, proof of address and more.

Catch up on Select’s in-depth coverage of personal finance, tech and tools, wellness and more, and follow us on Facebook, Instagram and Twitter to stay up to date.

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Editorial Note: Opinions, analyses, reviews or recommendations expressed in this article are those of the Select editorial staff’s alone, and have not been reviewed, approved or otherwise endorsed by any third party.

Source: cnbc.com

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Apache is functioning normally

May 25, 2023 by Brett Tams

Editor’s note: TPG’s Erica Silverstein accepted a free tour from Tours by Local to review its services. The opinions expressed below are entirely hers and weren’t subject to review by the company.

I’m standing atop a 13th-century arched stone bridge, looking out over a river rushing photogenically over smooth-hewn stones. I’m on a guided tour in the mountainous interior of the French island of Corsica, yet I’m blissfully alone — with the exception of Yulia, my guide.

“Alone” and “guided tour” are two concepts that tend not to be found together, but I’ve achieved this unusual combo during a cruise port call by booking a tour through a company called Tours by Locals.

Tours by Locals is essentially a matchmaking service for travelers looking for a local perspective and guides looking to show foreigners their homeland. Tours by Locals partners exclusively with top-caliber guides and thoroughly vets them before letting the guides post tours on its website. The guides use their local knowledge to create their own tour itineraries and set prices so they’re fairly paid.

As an avid cruiser, I often find myself on ship-organized tours on a bus with 25 to 40 other people, following a set itinerary and wasting time waiting for my shipmates to buy souvenirs, use the bathroom and meander back to the bus. I often skip the tour and explore on my own, but I don’t always get the full background on what I’m seeing. A private tour offers the best of both worlds – a small-group, customizable itinerary and a knowledgeable guide – but can be expensive.

For cruise news, reviews and tips, sign up for TPG’s cruise newsletter.

I was curious if a Tours by Locals tour would be worth the price, so when I was offered the opportunity to try one on a port stop in Ajaccio, Corsica, I jumped at the chance. I chose the approximately five-hour “Prunelli Gorges Half Day Road Trip,” which costs $586 for up to three people and promised “extraordinary views and discovery of Corsican tastes.”

Here’s how my day went and my thoughts on whether the experience was worth the price.

A slow start

The benefit of a cruise ship tour is convenience. You’re whisked off the ship straight to a tour bus, and you don’t have to worry about meeting points and finding your guide.

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I’d been texting my guide Yulia on WhatsApp prior to my ship’s arrival in Ajaccio, Corsica, a port I’d never been to. She promised to be waiting for me just outside the port with the other private guides, holding a sign with my name on it.

But when I got outside, I didn’t see an obvious meetup point for private guides and instead of a woman with a sign, I got a text that Yulia was stuck in traffic and running late. Uncertain where to meet her, I wandered around the terminal building feeling awkward until we finally managed to connect.

Even though guides try to arrive early, no one can predict bad traffic. Make sure you have texting access, either via Wi-Fi or an international cellphone plan, wherever you plan to wait for your guide to arrive.

Related: Ship-sponsored vs. independent shore excursions on cruises: Which should you book?

Avoiding the crowds

Market in Ajaccio, Corsica. ERICA SILVERSTEIN/THE POINTS GUY

Although the planned tour was to explore outside of the city of Ajaccio, Yulia thought it was a good idea to see a few of the town highlights before we set off. She took me through the local market across from the port, where she told me about the region’s sausage and cheese, and I ogled bowls piled high with olives and colorful fruits and vegetables.

Ajaccio is famous for being the birthplace of Napoleon, so she gave me an overview of Napoleon’s family and early years while we walked by the house where he was born and the cathedral where he was baptized.

Yulia provided the context I would have missed by wandering the city streets on my own. I could have gotten the same information on a walking tour of the city booked through the cruise line, but I’d be jostling for views in a large group and strolling at the pace of the slowest walker.

After a coffee break, we headed off on the first leg of the tour, to drive out of the city and up into the hills to visit two small, local businesses: Corsica PaM, an essential oils distillery and laboratory owned by two brothers, and Le Jardin des Abeilles, the shop and tasting room for a family-run honey farm.

Lemon verbena and rosemary fields, Corsica. ERICA SILVERSTEIN/THE POINTS GUY

Cruise ship tours do go to these places, and I imagine you’d all have to listen to a canned presentation about how things work and then wander about while 25 people browse and make purchases. Instead, Yulia showed me the different essential oils, describing the ones she uses personally and taking me out back to see the fields of rosemary and lemon verbena, which are distilled for their oils.

The proprietors only spoke a little English, so she translated as one of the brothers explained how to extract the oils from the plants. Yulia explained how the unique Corsican scrubland, called maquis, is home to endemic species of plants, such as the “immortelle” plant, which are ideal for the production of organic essential oils – and how what would seem like a modern healthy and beauty trend comes from a long history of using plants for medicinal purposes.

At the honey farm, I had a private honey tasting with one of the owners who explained the differences in his five seasonal honeys and let me taste them – as well as a special small-batch honey he did not sell. He explained how Corsican honey is unique as it’s produced from the island’s black bees and gets its flavor based on its specific climate and native flora. Yulia laughed and took photos as I sampled the most bitter honey, and I felt less alone than I would have as a solo traveler visiting on my own.

Honey shop, Corsica. ERICA SILVERSTEIN/THE POINTS GUY

Related: Tips for booking the best cruise shore excursion for your money

Special extras

Yulia, who also guides for cruise ship and other large group tours, told me that the typical itinerary offered by ships is to get on the bus, visit the oil and honey farms, then return to town. But that was only the beginning of my private tour.

From the honey farm, we drove farther into Corsica’s interior, past some small mountain towns to the Prunelli Gorges. We could have stopped in one of the villages if I were hungry and wanted to try local charcuterie or wine, but as the tour was customizable and I was still full from my cruise ship breakfast, we happily carried on.

The gorges are an area of steep, craggy mountains, dotted with rivers and lakes, and full of hiking trails and via ferrata routes that I’d love to explore on a longer stay. The government no longer allows tour buses to traverse the narrow, curving roads, so you’re not going to get to the gorges with a group.

Lake Tolla, Corsica. ERICA SILVERSTEIN/THE POINTS GUY

Yulia was determined to show me some unique spots, despite a rain shower that plagued most of our drive through the gorges. She took her little Kia down an unpaved road so I could see Tolla Lake and its dam set amid the craggy peaks. We slowed down to follow a herd of goats being shepherded by a dog, no goat-herding human in sight, as we pulled up to a scenic overlook to take in the vista and see where some of the black bee hives are kept.

Yulia parked by the side of the road and took photos of me on a bridge over a rushing river. And then, with the weather clearing, we pulled over again to hike down to the old Genoese-era arched bridge to cross the well-worn stones and appreciate more river views. We barely saw another human on the entire road trip.

Making it personal

On a stone bridge in Corsica. ERICA SILVERSTEIN/THE POINTS GUY

I’m an introvert and Yulia’s English was fluent but not perfect, so at first conversation didn’t come easy. How am I going to make it through a half day alone with this stranger, I wondered. Had I been traveling with my family or a friend, it would have taken the pressure off, but as I was solo, it was up to me to make conversation.

But as the hours passed, we became more comfortable with each other, and Yulia opened up about how she came to Corsica, her family life, her hobbies (including gardening and flower arranging) and even how essential oils helped her during a difficult time in her life. Throughout the tour, she volunteered to take my photo as I was alone and as she put it, photos are always better with people in them. The experience was like traveling with a new, extremely knowledgeable friend.

Traveling with Yulia also gave me a glimpse into what it’s like to live in Corsica, from French bureaucracy and political corruption to the housing situation and local commutes.

She also shared her honest feelings about why smaller tours are much better than large-group tours. In her opinion, some of the more manufactured tours from Ajaccio (such as a little train that takes tourists up the mountain to a specially built center to try some local Corsican foods) are low-quality and inauthentic.

So many travelers come here and they don’t know what they’re looking to get out of a visit, she said. I admit, I wasn’t sure what I wanted to get from my day in Corsica, other than to get out of the city and get a glimpse of the island’s beauty. I got all that and more.

Should you book with Tours by Locals?

Old stone bridge in Corsica. ERICA SILVERSTEIN/THE POINTS GUY

A private tour is always better than a group tour, in my opinion. You get to customize the itinerary, you don’t have to wait for large numbers of people to use the bathroom or buy coffee, and you can ask questions or get more personal with your guide.

However, $586 is a lot for one person to spend on a driving tour with a handful of stops, even with Tours by Locals’ policy of tips not being necessary. (Guides set their prices so are paid fairly; Tours by Local takes a cut of the fee.) For a couple, $293 per person for a half-day tour is possibly double or triple what you’d pay for a cruise ship tour, but the quality and intimacy make it worth it if you have the budget.

If you’re looking for the best value, you will want to shop around and compare prices and tour inclusions with other independent guides or guide-providing services. You’ll need to read the tour descriptions carefully; for example, Tours by Locals excursions are priced per tour, but the maximum number of people for that price varies from guide to guide, and you may or may not be able to pay extra for a larger group.

What I liked most about Tours by Local is the ease of searching out a guide. Instead of scouring the internet or online chat groups for recommendations, you put in your destination and up pops a list of tour offerings. You can read reviews of the guides, see the full tour itinerary and type of transport, and even get a feel for what items are not included and how much cash you might want to bring. You can even message a guide to ask questions before you commit, and pay by credit card online rather than worrying about paying day of in cash.

I don’t have the budget to book a private local guide in every city I visit, but for special occasions or in a destination I wanted to explore to the fullest, I would definitely consider using Tours by Locals for a private tour.

Planning a cruise? Start with these stories:

Source: thepointsguy.com

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Apache is functioning normally

May 25, 2023 by Brett Tams

12 Low-Stress Jobs You Can Do in Retirement

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Just because you retire doesn’t mean you have to stop working. And when work is an option rather than a requirement, it’s possible to select a low-stress job that multiplies fulfillment without adding anxiety — but still provides a bit of much-appreciated income. There are, in fact, a variety of such low-stress, high-reward jobs well-suited to the needs of retirees.

A financial advisor can help you devise a plan that will give you the flexibility to make choices in retirement.

Working in Retirement

People may continue working after retirement for a variety of reasons, including the benefits of generating additional income, the satisfaction of making a contribution and the stimulation of staying engaged. If nothing else, work can get them out of the house and fill the hours formerly devoted to their careers.

Many jobs are, however, likely to be more trouble than they are worth to a typical retiree. If what you are after is fulfillment without stress, it doesn’t make much sense to apply for a position as, say, a law enforcement officer working undercover for a drug-smuggling ring. Fortunately, there are many jobs that offer lots of benefits without lots of stress.

Low-Stress Jobs for Retirees

The work you do in retirement can be an extension of your former career or head off in a diametrically opposed direction. Either way, here are 12 possibilities:

Tutoring

Decades of life experience can admirably equip retirees to work as part-time tutors to students at various levels of education. English as a Second Language, for example, is a subject area many retirees can assist students with, while maintaining flexible hours and keeping supervision and red tape to a minimum.

Pet Care

For people who like getting outside and spending time with animals, walking dogs is a way to get paid for enjoying themselves. Sitting, grooming and transporting dogs as well as cats and other pets can offer similar appeal.

Massage Therapist

Many massage therapists see clients at their own homes or in annexes on the property, meaning there’s no commute and little hassle or overhead. If you enjoy helping others through the healing properties of touch, this could be a retirement gig for you.

Personal Trainer

A dedicated runner, swimmer, biker or gym rat, can get paid for sharing their knowledge and passion for fitness with others who are chasing their own fitness goals. Tasks include selecting exercises, structuring workouts and developing training plans.

Consultant

If you had a lengthy career in nearly any knowledge-based field, you may be able to monetize that experience in retirement while also being able pick and choose your clients, working flexible hours and even earning a handsome income, all as a self-employed consultant to businesses.

Life Coach

If helping individuals as opposed to businesses is more your style, you can set yourself up as a life coach helping people reach fulfillment by attaining goals in their professional and personal lives.

Travel Agent

Many who love to travel find earning fees and commissions as travel agents to be a good job in retirement. The work involves recommending destinations, organizing itineraries and booking tickets for transportation, lodging, meals and events.

Library Worker

Bibliophiles can surround themselves with books and get paid for the privilege by working at the library. Many positions are part-time and tend, almost by definition, to be low in noise, hustle and bustle.

Tour Guide

Museums, historical sites, nature centers, monuments and other attractions commonly employ guides to provide visitors with information and assistance as they tour the facility. The positions are well-suited to retirees who want to make some extra money and interact with a variety of people in a relaxed environment.

Personal Shopper

Retirees can shop until they drop without having to spend a dime of their own money – and even earn a few bucks – by working as personal shoppers. This job involves serving people who need help choosing clothing and accessories that fit their personal styles.

Landscape Artist

Cultivating b eautiful landscapes is a passion for many retirees. A peaceful day tilling the soil can also be a source of income with a job as a gardener or landscaper.

Event Coordinator

If you possess robust organization skills and are detail-oriented, there is always a demand for people who can plan and coordinate weddings, parties, conferences and other events.

Bottom Line

Although there probably are as many reasons for continuing to work after retiring as there are working retirees, it’s a safe bet that few if any are showing up for work in search of added stress. Fortunately, there are plenty of jobs open to retirees that pair high levels of fulfillment with low levels of stress.

Retirement Planning Tips

  • Generating sufficient income in retirement can be a challenge without the help of an experienced and qualified financial advisor. Finding a financial advisor doesn’t have to be hard. SmartAsset’s free tool matches you with up to three vetted financial advisors who serve your area, and you can interview your advisor matches at no cost to decide which one is right for you. If you’re ready to find an advisor who can help you achieve your financial goals, get started now.
  • Whether you are retired and working mostly for non-financial means or still in the workforce and focused on earning income, SmartAsset’s paycheck calculator will tell you how much your employer will withhold from your check for federal, state and local taxes.

Photo credit: ©iStock.com/yacobchuk, ©iStock.com/Inside Creative House, ©iStock.com/lucigerma

Mark Henricks
Mark Henricks has reported on personal finance, investing, retirement, entrepreneurship and other topics for more than 30 years. His freelance byline has appeared on CNBC.com and in The Wall Street Journal, The New York Times, The Washington Post, Kiplinger’s Personal Finance and other leading publications. Mark has written books including, “Not Just A Living: The Complete Guide to Creating a Business That Gives You A Life.” His favorite reporting is the kind that helps ordinary people increase their personal wealth and life satisfaction. A graduate of the University of Texas journalism program, he lives in Austin, Texas. In his spare time he enjoys reading, volunteering, performing in an acoustic music duo, whitewater kayaking, wilderness backpacking and competing in triathlons.

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Jim Barnash, CFP

Jim Barnash is a Certified Financial Planner with more than four decades of experience. Jim has run his own advisory firm and taught courses on financial planning at DePaul University and William Rainey Harper Community College.

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Apache is functioning normally

May 24, 2023 by Brett Tams

Engel & Völkers announced today the opening of its newest real estate shop in Pagosa Springs, CO. The Source for Pagosa Real Estate will now do business as Engel & Völkers Pagosa Springs under the continued leadership of original founders and luxury specialists Mike and Lauri Heraty, both highly experienced and top-ranked real estate professionals who have served Pagosa Springs for more than two decades. Conveniently located in a historic shop located on Main Street, Engel & Völkers Pagosa Springs serves homebuyers and sellers in Pagosa Springs, Bayfield, and Durango. 

advisorphoto heratymike h print

“The western Rocky Mountains have been a strong foundation for our growth in North America,” said Anthony Hitt, president, and CEO, of Engel & Völkers Americas. “Engel & Völkers Pagosa Springs is our 12th shop to open in Colorado, and our continued expansion in the region speaks to its increasing popularity among home seekers, both foreign and domestic. Amidst this growth, it is critical to partner with real estate professionals like Mike and Lauri, who not only bring a deep understanding of the local market but also share our approach to real estate, that is, delivering a concierge-style experience and understanding luxury as something that is distinct and personal to each client.”

advisorphoto heratylauri h print

Located in the San Juan Mountains, Pagosa Springs is a community offering residents luxury mountain ranches on sprawling acreage, luxury residences, condos for weekend getaways, townhomes, and a variety of development sites. It is home to North America’s largest natural hot springs, as well as Wolf Creek Ski Area, known for getting the most snow in Colorado with an average of 341 inches per year. It is the only small mountain town in the state surrounded by 2,000,000 acres of the San Juan National Forest. This abundance of natural amenities affords residents countless opportunities to enjoy the mountain lifestyle by hiking, rafting, kayaking, biking, skiing, snowshoeing, golfing, fishing, and soaking in the hot springs, as well as playing tennis, pickleball, and more. With warm winters and fabulous summers, the area is easily accessible through the Durango-La Plata Airport and private jet service at Stevens Field.

“We’ve long been known throughout the region for our quality of service,” said Lauri Heraty. “Beyond real estate, we’ve arranged everything for our clients—from architects and top-tier contractors to private chefs, ski instructors, and fly fishing guides—which has set us apart in the market. As our business has evolved and we increasingly work with clients from across the U.S., Europe, and Mexico, we recognized the competitive advantages of partnering with Engel & Völkers, which has the connections, tools, and technology to deliver best-in-class service.”

“In order to grow while continuing to deliver the highest level of service to clients buying or selling today or three years from now, we needed to align with the best in the industry for unparalleled service, global reach, real estate technologies, and brand marketing. That’s exactly what Engel & Völkers offers,” added Mike Heraty. “In partnering with Engel & Völkers, we’re able to synergize years of local experience and market insights with a customer service offering that will exceed anything available in the region.”

For more information, visit pagosasprings.evrealestate.com.

About Engel & Völkers

Engel & Völkers is a global luxury real estate brand. Founded in Hamburg, Germany, in 1977, Engel & Völkers draws on its rich European history to deliver a fresh approach to luxury real estate in the Americas with a focus on creating a personalized client experience at every stage of the home buying or selling process for today’s savvy homeowner. Engel & Völkers currently operates approximately 275 shop locations with over 6,300 real estate advisors in the Americas, contributing to the brand’s global network of over 16,500 real estate professionals in more than 31 countries, offering both private and institutional clients a professionally tailored range of luxury services, including real estate and yachting. Committed to exceptional service, Engel & Völkers supports its advisors with an array of premium quality business services; marketing programs, and platforms; as well as access to its global network of real estate professionals, property listings, and market data. Each brokerage is independently owned and operated. For more information, visit www.evrealestate.com.

Find topics in marketing, technology, and social media for realtors, and housing market resources for homeowners. Be sure to subscribe to Digital Age of Real Estate.

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Apache is functioning normally

May 24, 2023 by Brett Tams

Long-term financial goals are an essential part of financial planning. They help you define your aspirations and create a roadmap for achieving them.

Long-term goals aren’t easy to achieve. But why?

Could it be that motivation wanes over time? Perhaps external circumstances change. Maybe it has to do with the feasibility of the goals.

Many people have trouble sticking to something over the course of a single year let alone several years or decades.

Perhaps that’s why long-term goals – like most financial goals – are so difficult to achieve.

How do we fight against whatever it is that holds us back from achieving these financial goals? Is it possible to win?

Yes. It is.

Today I’d like to share with you some ways you can achieve your long-term financial goals. I won’t claim it will be easy, but it will be worthwhile.

examples of long term goals

So whether you need to pay off debt, build an emergency fund, save for your kids’ college education, or invest for retirement, here are some ways you can make it hap’n, cap’n.

Why Long-Term Financial Goals Are Important

Long-term financial goals provide direction and motivation for your financial decisions. By defining your long-term goals, you will have a clear picture of what you want to achieve and what steps you need to take to get there. Setting long-term financial goals can help you:

  • Stay focused on your priorities: Setting long-term financial goals will help you prioritize your financial decisions and avoid getting distracted by short-term financial needs or impulses.
  • Achieve financial stability: Long-term financial goals can help you create a safety net, build wealth, and prepare for unexpected events such as medical emergencies or job loss.
  • Enjoy the benefits of compound interest: Investing in long-term goals, such as retirement or education, can help you take advantage of the power of compound interest and grow your wealth over time.

1. Capture your long-term goals in your to-do list.

Long-term goals of the financial sort are usually more like projects than individual tasks.

For example, if you want to pay off your debt, chances are that you don’t just have one credit card to pay off – you might have three credit cards, a vehicle loan, and a student loan to overcome (if not more).

“Pay off debt” would be the project. “Pay off Visa #1” would be the task.

The truth is that without writing down your projects and tasks within a task management system of some type, you’re much less likely to accomplish your long-term goals.

There’s just something about seeing your long-term goals on paper (or on a screen) that makes them real. The very act of writing them down is a type of commitment.

Give it a whirl. Write down your long-term financial goals and review them on a regular basis.

2. Don’t bury your long-term goals.

It’s not enough to write down your long-term financial goals. Additionally, you need to make them readily available to your eye.

One idea that I’ve found works well is to write down your goals on a whiteboard where you can’t help but see them. But that’s not for everybody.

The point is that you need to find a way to see your long-term goals in the context of all your other goals (namely, your short-term goals). If only your short-term, urgent goals are displayed for you to see, you’ll tend to focus on those instead of kicking butt on your long-term goals.

Don’t bury your long-term goals. They’re important too!

3. Dedicate certain days of the week to long-term goals.

One helpful tip I derived from Strategic Coach was to dedicate certain days of the week to certain goals. This has proved to be very helpful in my own life, and I believe it will in yours, too.

For example, you could dedicate a certain day of the week to managing your finances and brainstorming ways to improve your financial future. Perhaps you have a day off of work that would work best for you.

Now, I can hear you saying, “Oh Jeff, if I only had a day for such tasks – I’m way too busy with other stuff!” That’s fair.

But here’s the thing, you don’t just have to make this day about finances – you can make it about your other long-term goals too. Add in health, family, and other areas of responsibility. Consider this day (or these days) of the week to be all about bettering yourself and your life. Can’t you make time for that?

4. Prioritize your long-term goals properly.

When it comes to long-term financial goals, you need to properly prioritize them. There are some preliminary goals that should only take you less than a month, like setting up a budget and cutting expenses, but we’ll leave that for another article.

What are some common long-term financial goals and in which order should you complete them? Generally, I recommend you complete the following long-term financial goals in the order they are displayed below:

Build Your Emergency Fund

Think of your emergency fund as the foundation of your financial future. Without some liquid money, you’re going to be out of luck when financial disaster strikes. Believe me, they happen.

Your car engine might explode. Your kneecap might explode (ouch). Your water heater might explode. There are so many things that can explode . . . and it’s not easy to just walk away from those explosions while keeping your cool. It’s stressful!

But you know what would make those situations a little less stressful? You guessed it: an emergency fund baby!

Wipe Out Your Debt

Once you have your foundation in place, it’s time to knock out that debt. This can take several years or a few months – it depends on how much debt you have and how quickly you can shovel money at it.

Write down all of your debts and attack them one by one. It’s easier that way.

Start Investing for Retirement

Now it’s time to start investing for your latter years. Why? It’s possible that your earning potential can go down when you’re physically unable to work. Who knows, you might have a self-sustaining business upon reaching retirement age, but don’t count on it. Invest for the future!

Helping people retire well is what I do.

Start Saving for Other Long-Term Goals

This might include saving for your kids’ college education, purchasing a new vehicle, saving for a home renovation, or another goal that will take some time.

By prioritizing your long-term goals in the proper way, you can ensure that should you experience a slump in income, you aren’t wiped out due to a lack of financial planning.

5. Discover and focus on your motivations.

I’m convinced that one of the main reasons people don’t accomplish their long-term goals is because they really haven’t discovered their motivations.

For example, everyone knows it’s a good idea to pay off debt. It’s a financial goal that’s been embedded in our minds by countless financial advisors. But unless you discover your motivation for paying off debt, chances are you’ll give up before you achieve your goal.

In fact, if you’re paying off debt for the sake of paying off debt, you might as well give up now. You’re not going to be motivated enough to get the job done.

Instead, focus on some common motivations that can become your motivations. Here are some great reasons why people want to pay off debt:

  • To not have to pay interest on their purchases
  • To free up money for vacations
  • To free up money for investing for retirement
  • To not have to worry about those bills
  • To reduce the amount of stress in their lives
  • To free up the time it takes managing debt to focus on family

These are just a few of the motivations of others. What’s your motivation?

Assign a motivation for every long-term goal you have. Otherwise, you’re just trying to accomplish your long-term goals for the sake of accomplishing them – that’s not a real motivating factor if you ask me!

Long-Term Goal Examples

Long-term financial goals can take many forms, depending on your values, aspirations, and time horizon. Here are some examples of long-term financial goals in the SMART framework:

Example 1: Save for Retirement

Specific: Save $1 million by age 65 for retirement.

Measurable: Save $500 per month in a retirement account.

Achievable: Based on current income and expenses, it is feasible to save $500 per month for retirement.

Relevant: Retirement is a long-term financial goal that aligns with personal values and aspirations.

Time-bound: Achieve this goal by age 65.

Example 2: Pay off Debt

Specific: Pay off $30,000 in credit card debt.

Measurable: Pay $500 per month towards credit card debt.

Achievable: Based on current income and expenses, it is feasible to pay $500 per month towards credit card debt.

Relevant: Paying off debt is a long-term financial goal that aligns with personal values and aspirations.

Time-bound: Achieve this goal within 5 years.

Example 3: Invest in Education

Specific: Save $50,000 for a child’s college education.

Measurable: Save $200 per month in a 529 college savings plan.

Achievable: Based on current income and expenses, it is feasible to save $200 per month for college education.

Relevant: Investing in education is a long-term financial goal that aligns with personal values and aspirations.

Time-bound: Achieve this goal in 18 years.

Example 4: Buy a House

Specific: Save $100,000 for a down payment on a house.

Measurable: Save $1,000 per month in a high-yield savings account.

Achievable: Based on current income and expenses, it is feasible to save $1,000 per month for a down payment.

Relevant: Buying a house is a long-term financial goal that aligns with personal values and aspirations.

Time-bound: Achieve this goal in 5 years.

Example 5: Start a Business

Specific: Launch a profitable business in the next 5 years.

Measurable: Develop a business plan and secure funding within the next 12 months.

Achievable: Based on current skills and experience, it is feasible to develop a business plan and secure funding within the next 12 months.

Relevant: Starting a business is a long-term financial goal that aligns with personal values and aspirations.

Time-bound: Launch the business within the next 5 years.

Long-Term Goal Specific Measurable Achievable Relevant Time-bound

Save for Retirement Save $1 million by age 65 for retirement. Save $500 per month in a retirement account. Based on current income and expenses, it is feasible to save $500 per month for retirement. Retirement is a long-term financial goal that aligns with personal values and aspirations. Achieve this goal by age 65.

Pay off Debt Pay off $30,000 in credit card debt. Pay $500 per month towards credit card debt. Based on current income and expenses, it is feasible to pay $500 per month towards credit card debt. Paying off debt is a long-term financial goal that aligns with personal values and aspirations. Achieve this goal within 5 years.

Invest in Education Save $50,000 for a child’s college education. Save $200 per month in a 529 college savings plan. Based on current income and expenses, it is feasible to save $200 per month for college education. Investing in education is a long-term financial goal that aligns with personal values and aspirations. Achieve this goal in 18 years.

Buy a House Save $100,000 for a down payment on a house. Save $1,000 per month in a high-yield savings account. Based on current income and expenses, it is feasible to save $1,000 per month for a down payment. Buying a house is a long-term financial goal that aligns with personal values and aspirations. Achieve this goal in 5 years.

Start a Business Launch a profitable business in the next 5 years. Develop a business plan and secure funding within the next 12 months. Based on current skills and experience, it is feasible to develop a business plan and secure funding within the next 12 months. Starting a business is a long-term financial goal that aligns with personal values and aspirations. Launch the business within the next 5 years.

Need More Long-Term Goal Examples?

Knowing I’m not the only goal-setting freak that exists in this world, I asked fans from the Good Financial Cents Facebook page what their long-term goals (big shout to the Fincon community for contributing, too!).

Fincon Community Long-Term Goals

long term goal examples GFC facebook page

Here’s a great list of examples of long-term goals:

Bob Lotich at SeedTime.com says:

[I want] to provide a comfortable life for my family, to have enough cash to maintain a flexible lifestyle, and to use everything else to financially support charities and organizations that are making a huge impact on the world.

Ryan Guina at TheMilitaryWallet.com says:

[I want] to become financially independent. What this means to me: to have no consumer or mortgage debt and have enough resources in savings and investments to cover my everyday living expenses without relying upon income from my job. This will provide more freedom in pursuing activities based on fulfillment vs. the need to generate revenue.

Larry Ludwig at InvestorJunkie.com says:

[I want] to be financially free. I define it specifically as to accumulate $10,000,000 in investment assets that can generate at minimum 4% per year of income.

Teresa Mears at LivingOnTheCheap.com says:

[I want] to support myself, both now and in retirement, and enjoy life. What else is there?

Steve Chou at MyWifeQuitHerJob.com says:

[I want] to generate enough income so that I can spend more time with my family and be there for the kids. Growing up, my parents worked their butts off so I could go to a good school but I didn’t see them very often during the week. With my kids, I’m going to send them to a good college and always be present.

Grayson Bell at DebtRoundup.com says:

[I want to] build a business and a financial stockpile to allow my family and I to travel when and where we want to. I don’t want to be stuck due to a job or financial situation. This will require scaling my business and looking for more opportunities to expand my passive income streams.

Robert Farrington at TheCollegeInvestor.com says:

[I want] to generate enough passive income to replace my current income. This will require a long-term strategy of earning more money (through my salary and side hustles) and investing the excess. The goal, of course, is to retire early while still being able to provide the quality of life I want.

My Lifetime Goals

Long-term goals can be difficult to articulate but deserve to be written down.  I previously shared my lifetime goals on this post.  Looking them over I recognize I would make a few tweaks, but; for the most part, they are still align with what I want to achieve in life.  Here’s a look:

1.  Spiritual leader of my household.   I want my kids to see me first as a God-loving father who puts his faith first before success.  I want to continually love and support my wife, and do so in an Godly manner.

2. Live a long and filling life with my wife and family. Raise my kids with the philosophies of: working hard, but not sacrificing “work” for what you love; love first; and treat people with respect (Golden Rule)

3. Have several multiple-system driven businesses that produce >$100,000 a month of passive income.

4. Live in multiple countries (5+) for an extended period of time (minimum 3 weeks) with entire family

5.  Inspire over 1,000,000 people to invest in themselves.  This can be through traditional investing (Roth IRA, 401k), obtaining a higher degree or certification, or investing in a small business.

6. Be a successful entrepreneur and best-selling author of numerous works. I want to be recognized as as a hard worker who put his family and faith first.

The Bottom Line – Long-Term Financial Goals

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Setting long-term financial goals is an important step towards achieving financial stability and building wealth. By defining your values, aspirations, and time horizon, you can create a roadmap that aligns with your priorities and guides your financial decisions.

Remember to monitor your progress, stay motivated, and seek professional advice when needed. With discipline and perseverance, you can achieve your long-term financial goals and secure your financial future.

Here’s your homework

I want you to implement at least one of these strategies for reaching your long-term goals over the next year. When the year is over, write me. Tell me how well the strategy worked out for you. I want you to put your heart and soul into one or more of these strategies.

Why? I want you to see success.

Make it hap’n, cap’n!

FAQs – Long-Term Financial Goals

How do I balance saving for long-term goals with short-term needs?

It’s important to strike a balance between saving for your long-term financial goals and meeting your short-term needs. You can achieve this by creating a budget that allocates some of your income towards both short-term and long-term goals.

This way, you can address your immediate financial needs while also making progress towards your long-term goals.

How can I stay motivated to achieve my long-term financial goals?

Staying motivated to achieve your long-term financial goals can be challenging, especially if your goals are several years away.

One way to stay motivated is to break your long-term goals into smaller, manageable milestones. Celebrate each milestone as you reach it, and use the progress you’ve made as motivation to keep going.

How do I know if I’m on track to achieve my long-term financial goals?

Regularly monitoring your progress towards your long-term financial goals is essential to staying on track.

You can use financial planning tools and software to track your progress and adjust your plan as needed. You can also work with a financial advisor or planner to evaluate your progress and make any necessary adjustments to your plan.

Can I adjust my long-term financial goals as my situation changes?

Yes, it’s important to be flexible and adjust your long-term financial goals as your situation changes. Life is unpredictable, and unexpected events can impact your financial situation. Review your financial plan regularly and adjust it as needed to ensure that it aligns with your current situation and goals.

Need some more long-term goals? Check out The Top 10 Good Financial Goals That Everyone Should Have. If you’re a baby boomer, check out 5 Financial Goals for Baby Boomers.

Source: goodfinancialcents.com

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Apache is functioning normally

May 24, 2023 by Brett Tams

Long-term financial goals are an essential part of financial planning. They help you define your aspirations and create a roadmap for achieving them.

Long-term goals aren’t easy to achieve. But why?

Could it be that motivation wanes over time? Perhaps external circumstances change. Maybe it has to do with the feasibility of the goals.

Many people have trouble sticking to something over the course of a single year let alone several years or decades.

Perhaps that’s why long-term goals – like most financial goals – are so difficult to achieve.

How do we fight against whatever it is that holds us back from achieving these financial goals? Is it possible to win?

Yes. It is.

Today I’d like to share with you some ways you can achieve your long-term financial goals. I won’t claim it will be easy, but it will be worthwhile.

examples of long term goals

So whether you need to pay off debt, build an emergency fund, save for your kids’ college education, or invest for retirement, here are some ways you can make it hap’n, cap’n.

Why Long-Term Financial Goals Are Important

Long-term financial goals provide direction and motivation for your financial decisions. By defining your long-term goals, you will have a clear picture of what you want to achieve and what steps you need to take to get there. Setting long-term financial goals can help you:

  • Stay focused on your priorities: Setting long-term financial goals will help you prioritize your financial decisions and avoid getting distracted by short-term financial needs or impulses.
  • Achieve financial stability: Long-term financial goals can help you create a safety net, build wealth, and prepare for unexpected events such as medical emergencies or job loss.
  • Enjoy the benefits of compound interest: Investing in long-term goals, such as retirement or education, can help you take advantage of the power of compound interest and grow your wealth over time.

1. Capture your long-term goals in your to-do list.

Long-term goals of the financial sort are usually more like projects than individual tasks.

For example, if you want to pay off your debt, chances are that you don’t just have one credit card to pay off – you might have three credit cards, a vehicle loan, and a student loan to overcome (if not more).

“Pay off debt” would be the project. “Pay off Visa #1” would be the task.

The truth is that without writing down your projects and tasks within a task management system of some type, you’re much less likely to accomplish your long-term goals.

There’s just something about seeing your long-term goals on paper (or on a screen) that makes them real. The very act of writing them down is a type of commitment.

Give it a whirl. Write down your long-term financial goals and review them on a regular basis.

2. Don’t bury your long-term goals.

It’s not enough to write down your long-term financial goals. Additionally, you need to make them readily available to your eye.

One idea that I’ve found works well is to write down your goals on a whiteboard where you can’t help but see them. But that’s not for everybody.

The point is that you need to find a way to see your long-term goals in the context of all your other goals (namely, your short-term goals). If only your short-term, urgent goals are displayed for you to see, you’ll tend to focus on those instead of kicking butt on your long-term goals.

Don’t bury your long-term goals. They’re important too!

3. Dedicate certain days of the week to long-term goals.

One helpful tip I derived from Strategic Coach was to dedicate certain days of the week to certain goals. This has proved to be very helpful in my own life, and I believe it will in yours, too.

For example, you could dedicate a certain day of the week to managing your finances and brainstorming ways to improve your financial future. Perhaps you have a day off of work that would work best for you.

Now, I can hear you saying, “Oh Jeff, if I only had a day for such tasks – I’m way too busy with other stuff!” That’s fair.

But here’s the thing, you don’t just have to make this day about finances – you can make it about your other long-term goals too. Add in health, family, and other areas of responsibility. Consider this day (or these days) of the week to be all about bettering yourself and your life. Can’t you make time for that?

4. Prioritize your long-term goals properly.

When it comes to long-term financial goals, you need to properly prioritize them. There are some preliminary goals that should only take you less than a month, like setting up a budget and cutting expenses, but we’ll leave that for another article.

What are some common long-term financial goals and in which order should you complete them? Generally, I recommend you complete the following long-term financial goals in the order they are displayed below:

Build Your Emergency Fund

Think of your emergency fund as the foundation of your financial future. Without some liquid money, you’re going to be out of luck when financial disaster strikes. Believe me, they happen.

Your car engine might explode. Your kneecap might explode (ouch). Your water heater might explode. There are so many things that can explode . . . and it’s not easy to just walk away from those explosions while keeping your cool. It’s stressful!

But you know what would make those situations a little less stressful? You guessed it: an emergency fund baby!

Wipe Out Your Debt

Once you have your foundation in place, it’s time to knock out that debt. This can take several years or a few months – it depends on how much debt you have and how quickly you can shovel money at it.

Write down all of your debts and attack them one by one. It’s easier that way.

Start Investing for Retirement

Now it’s time to start investing for your latter years. Why? It’s possible that your earning potential can go down when you’re physically unable to work. Who knows, you might have a self-sustaining business upon reaching retirement age, but don’t count on it. Invest for the future!

Helping people retire well is what I do.

Start Saving for Other Long-Term Goals

This might include saving for your kids’ college education, purchasing a new vehicle, saving for a home renovation, or another goal that will take some time.

By prioritizing your long-term goals in the proper way, you can ensure that should you experience a slump in income, you aren’t wiped out due to a lack of financial planning.

5. Discover and focus on your motivations.

I’m convinced that one of the main reasons people don’t accomplish their long-term goals is because they really haven’t discovered their motivations.

For example, everyone knows it’s a good idea to pay off debt. It’s a financial goal that’s been embedded in our minds by countless financial advisors. But unless you discover your motivation for paying off debt, chances are you’ll give up before you achieve your goal.

In fact, if you’re paying off debt for the sake of paying off debt, you might as well give up now. You’re not going to be motivated enough to get the job done.

Instead, focus on some common motivations that can become your motivations. Here are some great reasons why people want to pay off debt:

  • To not have to pay interest on their purchases
  • To free up money for vacations
  • To free up money for investing for retirement
  • To not have to worry about those bills
  • To reduce the amount of stress in their lives
  • To free up the time it takes managing debt to focus on family

These are just a few of the motivations of others. What’s your motivation?

Assign a motivation for every long-term goal you have. Otherwise, you’re just trying to accomplish your long-term goals for the sake of accomplishing them – that’s not a real motivating factor if you ask me!

Long-Term Goal Examples

Long-term financial goals can take many forms, depending on your values, aspirations, and time horizon. Here are some examples of long-term financial goals in the SMART framework:

Example 1: Save for Retirement

Specific: Save $1 million by age 65 for retirement.

Measurable: Save $500 per month in a retirement account.

Achievable: Based on current income and expenses, it is feasible to save $500 per month for retirement.

Relevant: Retirement is a long-term financial goal that aligns with personal values and aspirations.

Time-bound: Achieve this goal by age 65.

Example 2: Pay off Debt

Specific: Pay off $30,000 in credit card debt.

Measurable: Pay $500 per month towards credit card debt.

Achievable: Based on current income and expenses, it is feasible to pay $500 per month towards credit card debt.

Relevant: Paying off debt is a long-term financial goal that aligns with personal values and aspirations.

Time-bound: Achieve this goal within 5 years.

Example 3: Invest in Education

Specific: Save $50,000 for a child’s college education.

Measurable: Save $200 per month in a 529 college savings plan.

Achievable: Based on current income and expenses, it is feasible to save $200 per month for college education.

Relevant: Investing in education is a long-term financial goal that aligns with personal values and aspirations.

Time-bound: Achieve this goal in 18 years.

Example 4: Buy a House

Specific: Save $100,000 for a down payment on a house.

Measurable: Save $1,000 per month in a high-yield savings account.

Achievable: Based on current income and expenses, it is feasible to save $1,000 per month for a down payment.

Relevant: Buying a house is a long-term financial goal that aligns with personal values and aspirations.

Time-bound: Achieve this goal in 5 years.

Example 5: Start a Business

Specific: Launch a profitable business in the next 5 years.

Measurable: Develop a business plan and secure funding within the next 12 months.

Achievable: Based on current skills and experience, it is feasible to develop a business plan and secure funding within the next 12 months.

Relevant: Starting a business is a long-term financial goal that aligns with personal values and aspirations.

Time-bound: Launch the business within the next 5 years.

Long-Term Goal Specific Measurable Achievable Relevant Time-bound

Save for Retirement Save $1 million by age 65 for retirement. Save $500 per month in a retirement account. Based on current income and expenses, it is feasible to save $500 per month for retirement. Retirement is a long-term financial goal that aligns with personal values and aspirations. Achieve this goal by age 65.

Pay off Debt Pay off $30,000 in credit card debt. Pay $500 per month towards credit card debt. Based on current income and expenses, it is feasible to pay $500 per month towards credit card debt. Paying off debt is a long-term financial goal that aligns with personal values and aspirations. Achieve this goal within 5 years.

Invest in Education Save $50,000 for a child’s college education. Save $200 per month in a 529 college savings plan. Based on current income and expenses, it is feasible to save $200 per month for college education. Investing in education is a long-term financial goal that aligns with personal values and aspirations. Achieve this goal in 18 years.

Buy a House Save $100,000 for a down payment on a house. Save $1,000 per month in a high-yield savings account. Based on current income and expenses, it is feasible to save $1,000 per month for a down payment. Buying a house is a long-term financial goal that aligns with personal values and aspirations. Achieve this goal in 5 years.

Start a Business Launch a profitable business in the next 5 years. Develop a business plan and secure funding within the next 12 months. Based on current skills and experience, it is feasible to develop a business plan and secure funding within the next 12 months. Starting a business is a long-term financial goal that aligns with personal values and aspirations. Launch the business within the next 5 years.

Need More Long-Term Goal Examples?

Knowing I’m not the only goal-setting freak that exists in this world, I asked fans from the Good Financial Cents Facebook page what their long-term goals (big shout to the Fincon community for contributing, too!).

Fincon Community Long-Term Goals

long term goal examples GFC facebook page

Here’s a great list of examples of long-term goals:

Bob Lotich at SeedTime.com says:

[I want] to provide a comfortable life for my family, to have enough cash to maintain a flexible lifestyle, and to use everything else to financially support charities and organizations that are making a huge impact on the world.

Ryan Guina at TheMilitaryWallet.com says:

[I want] to become financially independent. What this means to me: to have no consumer or mortgage debt and have enough resources in savings and investments to cover my everyday living expenses without relying upon income from my job. This will provide more freedom in pursuing activities based on fulfillment vs. the need to generate revenue.

Larry Ludwig at InvestorJunkie.com says:

[I want] to be financially free. I define it specifically as to accumulate $10,000,000 in investment assets that can generate at minimum 4% per year of income.

Teresa Mears at LivingOnTheCheap.com says:

[I want] to support myself, both now and in retirement, and enjoy life. What else is there?

Steve Chou at MyWifeQuitHerJob.com says:

[I want] to generate enough income so that I can spend more time with my family and be there for the kids. Growing up, my parents worked their butts off so I could go to a good school but I didn’t see them very often during the week. With my kids, I’m going to send them to a good college and always be present.

Grayson Bell at DebtRoundup.com says:

[I want to] build a business and a financial stockpile to allow my family and I to travel when and where we want to. I don’t want to be stuck due to a job or financial situation. This will require scaling my business and looking for more opportunities to expand my passive income streams.

Robert Farrington at TheCollegeInvestor.com says:

[I want] to generate enough passive income to replace my current income. This will require a long-term strategy of earning more money (through my salary and side hustles) and investing the excess. The goal, of course, is to retire early while still being able to provide the quality of life I want.

My Lifetime Goals

Long-term goals can be difficult to articulate but deserve to be written down.  I previously shared my lifetime goals on this post.  Looking them over I recognize I would make a few tweaks, but; for the most part, they are still align with what I want to achieve in life.  Here’s a look:

1.  Spiritual leader of my household.   I want my kids to see me first as a God-loving father who puts his faith first before success.  I want to continually love and support my wife, and do so in an Godly manner.

2. Live a long and filling life with my wife and family. Raise my kids with the philosophies of: working hard, but not sacrificing “work” for what you love; love first; and treat people with respect (Golden Rule)

3. Have several multiple-system driven businesses that produce >$100,000 a month of passive income.

4. Live in multiple countries (5+) for an extended period of time (minimum 3 weeks) with entire family

5.  Inspire over 1,000,000 people to invest in themselves.  This can be through traditional investing (Roth IRA, 401k), obtaining a higher degree or certification, or investing in a small business.

6. Be a successful entrepreneur and best-selling author of numerous works. I want to be recognized as as a hard worker who put his family and faith first.

The Bottom Line – Long-Term Financial Goals

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Setting long-term financial goals is an important step towards achieving financial stability and building wealth. By defining your values, aspirations, and time horizon, you can create a roadmap that aligns with your priorities and guides your financial decisions.

Remember to monitor your progress, stay motivated, and seek professional advice when needed. With discipline and perseverance, you can achieve your long-term financial goals and secure your financial future.

Here’s your homework

I want you to implement at least one of these strategies for reaching your long-term goals over the next year. When the year is over, write me. Tell me how well the strategy worked out for you. I want you to put your heart and soul into one or more of these strategies.

Why? I want you to see success.

Make it hap’n, cap’n!

FAQs – Long-Term Financial Goals

How do I balance saving for long-term goals with short-term needs?

It’s important to strike a balance between saving for your long-term financial goals and meeting your short-term needs. You can achieve this by creating a budget that allocates some of your income towards both short-term and long-term goals.

This way, you can address your immediate financial needs while also making progress towards your long-term goals.

How can I stay motivated to achieve my long-term financial goals?

Staying motivated to achieve your long-term financial goals can be challenging, especially if your goals are several years away.

One way to stay motivated is to break your long-term goals into smaller, manageable milestones. Celebrate each milestone as you reach it, and use the progress you’ve made as motivation to keep going.

How do I know if I’m on track to achieve my long-term financial goals?

Regularly monitoring your progress towards your long-term financial goals is essential to staying on track.

You can use financial planning tools and software to track your progress and adjust your plan as needed. You can also work with a financial advisor or planner to evaluate your progress and make any necessary adjustments to your plan.

Can I adjust my long-term financial goals as my situation changes?

Yes, it’s important to be flexible and adjust your long-term financial goals as your situation changes. Life is unpredictable, and unexpected events can impact your financial situation. Review your financial plan regularly and adjust it as needed to ensure that it aligns with your current situation and goals.

Need some more long-term goals? Check out The Top 10 Good Financial Goals That Everyone Should Have. If you’re a baby boomer, check out 5 Financial Goals for Baby Boomers.

Source: goodfinancialcents.com

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Apache is functioning normally

May 24, 2023 by Brett Tams

Going on an African safari can be the chance of a lifetime to see some of the world’s most iconic wildlife up close, experience Earth’s extraordinary untouched corners, learn about new cultures and reconnect with nature.

A safari trip can also be the opportunity to make sustainable, responsible choices about how and where you travel, and to maximize the impact your travel spending has on conservation, community and environmental programs in various destinations.

Safaris are about more than luxury tents and thrilling game drives at Wilderness’ Mombo Camp. ERIC ROSEN/THE POINTS GUY

Many travelers decide where to go on safari in Africa based on their schedules and the seasonality in individual regions — both in terms of the weather and the animals they will most likely see. Others focus on sighting specific species, resulting in visits to places like Rwanda or Uganda to trek and see mountain gorillas or trips to destinations like Kenya to observe the endangered pachyderms at a rhino sanctuary.

Sustainability can be another excellent factor in determining where you should go on safari, though. Many of the most reputable safari outfitters and camps put sustainability front and center in their operations, combining environmental practices, conservation commitments and community outreach to create the ultimate holistic travel experience.

Doing a little research on the regions you are considering for a safari and the specific tour operators and lodges in your chosen location can make a huge difference in the effect your tourism dollars have on things like wildlife preservation campaigns, economic development in local villages and minimizing the overall environmental footprint of your individual journey.

Conservation is core to the missions of the best safari companies. ERIC ROSEN/THE POINTS GUY

Unlike some other forms of travel that let you book certain components — flights, hotels, cruises, etc. — a la carte by yourself, many safari companies require you to book the bulk of your trip (if not all of it) through them or a partner agency or operator. Because of this, you can ask these representatives about their sustainability track records and even specific programs while planning your trip. Any reliable operator should have materials on hand to send you to help you make your decision.

Here are some of the factors you can investigate to determine just how sustainable your safari can be, plus some of the safari companies undertaking meaningful measures in this sphere by weaving principles of environmental consciousness, wildlife protection and community development into their core ethos and operations.

Eco-sensitive camps

For North American and European travelers, going on an African safari typically necessitates carbon-intensive long-haul flights and sometimes additional bush flights to reach remote regions. In order to limit the rest of your carbon footprint while on safari, look into the eco-credentials of the camps or outfitters you are considering.

Many safari camps, for instance, now run mostly or even entirely on solar power. At both andBeyond Nxabega and andBeyond Xaranna in Botswana’s Okavango Delta, 80% of the camps’ total electricity consumption is supplied by solar photovoltaic plants and Tesla Powerpack battery energy storage systems.

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The solar array at andBeyond Xaranna in Botswana. ERIC ROSEN/THE POINTS GUY

Nearby, Wilderness’ Chitabe and Mombo camps run on 100% solar (as do 17 of the company’s other camps), and Wilderness has plans to retrofit and invest in further solar power for all new camps and camp refurbishments. Not only is that great for the environment, but it’s also the best means of ensuring an uninterrupted power supply to guests in an area with little other infrastructure.

Cheetah Plains, an exclusive-use safari villa in South Africa’s Sabi Sand Nature Reserve, now uses Toyota Land Cruiser electric safari vehicles with Tesla batteries that are charged via solar power to whisk guests across the reserve’s thousands of acres, creating a zero-emission game drive.

In Tanzania’s Ruaha National Park, Usangu Expedition Camp is steering a different path, developing safari vehicles that run on ethanol, which is derived from molasses produced in the southern part of the country, instead of diesel. The staff even calls the vehicles “Gongos,” a type of traditional Tanzanian gin, since the ethanol looks and smells like the spirit.

Usangu Expedition Camp has created safari vehicles that run on ethanol. USANGU EXPEDITION CAMP

But alternative power and fuel are just the start. For its part, Chitabe recycled the wood from an old set of raised walkways to create a chic bar and lounge area for its current guests. What’s old is new again … and looking better than ever.

Many recently built and forthcoming safari camps are being constructed using both traditional materials and techniques, such as thatching and weaving completed by local artisans, and up-to-the-minute technologies like 3D printing and innovative recycling methods utilizing salvaged materials to limit their physical footprint.

The bar area at Wilderness’ Chitabe camp was constructed from reclaimed wood. ERIC ROSEN/THE POINTS GUY

Time + Tide Chinzombo in Zambia’s South Luangwa National Park was designed to be completely dismantled if necessary so as to leave a minimal trace on the landscape, and Wilderness is currently constructing a new tented camp in Botswana’s Mbabe concession called Mokete that can be completely disassembled as if it had never been there.

Simple measures can have a large impact as well. Camps like Wilderness’ DumaTau and sister Little DumaTau in Botswana’s riverine Linyanti region provide guests with Healing Earth’s all-natural, biodegradable bath and body products during their stay to minimize harmful runoff from the camp’s water management system.

Biodegradable Healing Earth products at Mombo Camp. ERIC ROSEN/THE POINTS GUY

For its part, the Elewana Collection of lodges in Kenya and Tanzania launched its “Ban the bottle” initiative in 2018, giving guests reusable water bottles that they can fill up at stations in the camps. The outfitter estimates that doing so in just six of its Kenyan lodges saves around 160,000 plastic bottles from going into landfills each year.

The view from the deck at Elewana Collection’s Sand River Masai Mara camp in Kenya. ELEWANA COLLECTION

Elewana also dropped plastic straws the following year. Even more fun for Elewana guests is the opportunity to toss out seed balls (little nutrient packs that encase seeds of Indigenous plants) during a walk or game drive somewhere along their journey so they’re doing their little part to help revegetate the wild places they are enjoying.

Wildlife conservation

It seems obvious, but without wildlife, there wouldn’t be safari camps. For that reason, many safari companies actively support and participate in wildlife conservation efforts, some of which are specific to individual regions while others are more widespread.

One of the luxurious cabins at andBeyond Tengile River Lodge. ANDBEYOND

Guests at andBeyond’s Tengile River Lodge and Kirkman’s Kamp, which are near each other in South Africa’s Sabi Sand Nature Reserve, can certainly get a thrill sighting the area’s thriving lion and leopard populations on game drives. However, guests may not know that their guides are also logging those sightings and providing the information to Panthera, an organization dedicated to tracking and protecting big cat populations around the world.

A lion surveys his domain near andBeyond Nxabega. ERIC ROSEN/THE POINTS GUY

Various other andBeyond camps, including Phinda Private Game Reserve and Ngala Safari Lodge, help fund rhinoceros anti-poaching units. Guests at Ngala can even observe researchers tagging rhinos’ ears with microchips to help monitor the highly endangered animals. These are individual initiatives, but they are all part of andBeyond’s overarching commitment to conservation and community projects that it supports through its Africa Foundation.

Likewise, Elewana Collection has a charitable arm called The Land & Life Foundation that underwrites various efforts such as the Wildlife Warrior Program, which has clubs in primary schools throughout Kenya and Tanzania. The children who join can take part in activities to learn more about environmental and animal conservation. The club currently counts around 2,200 members and even provides primary and secondary educational scholarships to many of them.

Many safari companies, including andBeyond, Elewana Collection and Singita, support rhino anti-poaching and conservation efforts. ERIC ROSEN/THE POINTS GUY

High-end safari company Singita, which has lodges in South Africa, Zimbabwe, Tanzania and Rwanda, established its Singita Conservation Foundation decades ago with a 100-year plan to protect Africa’s wildlife and wilderness for future generations. These days, it partners with other nonprofit trusts and funds on a plethora of projects, including rhino reintroduction and protection in the Malilangwe Wildlife Reserve in Zimbabwe, land management and anti-poaching efforts in South Africa’s Kruger National Park and combating invasive vegetation as well as helping in the recovery of megafauna like elephants and buffaloes in Tanzania’s Serengeti National Park.

Community improvement projects

Without buy-in from local communities, conservation efforts would go nowhere. Those who live in or near game reserves and national parks need to benefit from the tourism revenue that these natural wonders generate. That’s why many safari companies’ conservation drives include community-based components.

One telltale sign that a safari company is supporting the communities where it operates in a meaningful way is simply through employment. Specifically, whether its camps employ people from the villages or regions that surround them in high proportions. Not only is this a boon for economic stability and growth in places that might otherwise be destitute, but it ensures that tourism dollars stay in the area and benefit the people who live there.

Come for the gorillas, stay for the community projects at Volcanoes Safaris’ Virunga Lodge in Rwanda. BRIAN KELLY/THE POINTS GUY

Many safari companies’ commitments to communities go beyond employment, though. Praveen Moman, who grew up in Uganda before his family had to emigrate to the United Kingdom, founded Volcanoes Safaris in 1997, pioneering the high-end safari experience in both Uganda and Rwanda.

While the Volcanoes Safaris’ lodges have become mainstays for both gorilla and chimpanzee trekking, it is perhaps the company’s nonprofit organization, the Volcanoes Safaris Partnership Trust, that will be its most lasting legacy. The trust supports preservation efforts for the great apes of the region, but it also underwrites innovative, community-based programs that guests are encouraged to explore during their stays at the lodges.

Volcanoes Safaris has donated more than 500 sheep to local families around Virunga Lodge. VOLCANOES SAFARIS

“When I set up Volcanoes Safaris in 1997 in southern Uganda and then in 2000 in neighboring Rwanda, the area was just coming out of the Great Lakes conflict,” Moman told TPG via email. “This experience made me realize how important it was to not only focus on the lodges we were building and the gorilla and chimpanzee experience that we wanted our guests to enjoy, but also that local people need to get tangible economic benefits from conservation and ecotourism for them to support the great apes.”

“Therefore,” he continued, “I felt that it was important that the lodges should be connected to the communities around them. In each lodge, we have set up different community projects.”

At Volcanoes Safaris’ Virunga Lodge in Rwanda, for instance, guests can take a guided afternoon walk through several villages near Lake Bulera to see firsthand the impact of projects such as the “One sheep per family” program, which provides one sheep to each family in three nearby villages (more than 500 so far), thereby supplying them with sources of meat and milk along with natural fertilizer for their sustenance crops.

The lodge has also donated 250-plus water tanks to families in these villages, which help in the catchment of the region’s abundant rainfall and ensure that there is a steady supply of water for drinking and crop irrigation during the dry season.

Volcanoes Safaris has also donated 250-plus water tanks to provide local villages with clean drinking water around Virunga Lodge. VOLCANOES SAFARIS

In Livingstone, Zambia, near Victoria Falls, Tongabezi, which is an elegant lodge along the banks of a tranquil stretch of the Zambezi River, has underwritten the Tongabezi Trust School (also known as Tujatane) since 1996, providing education and meals to children who live within walking distance of the academy. There are currently nearly 300 children between the ages of 3 and 17 enrolled, all of whom can take advantage of the classes and curriculum, as well as the music, sports, arts and computer facilities. What’s more, the school provides funding to send some of the children on to secondary schools and even universities, ensuring a new generation of leaders and professionals with a commitment to the local community.

Children who have benefited from Tongabezi’s support of Tujatane. TONGABEZI TRUST SCHOOL/FACEBOOK

In Botswana, both andBeyond Nxabega and andBeyond Xaranna share several community-based projects, including the drilling of water boreholes for the communities of Gogomaga and Tsutsubega so that their inhabitants have steady sources of usable water; and funding a school in the rural farming village of Sexaxa near Maun (where the area’s main airport is) so children no longer need to walk three hours, some of it through dangerous terrain, to attend the nearest school.

Longer-term development

Ongoing outreach and individual community projects aside, several safari companies have established philanthropic organizations or arms with a broader purview of economic development and social services not just in the areas where they operate, but in entire countries or regions.

Micato Safaris is one of the best-known luxury safari operators, partnering with premier lodges from multiple companies in Africa and Asia to create bespoke itineraries for its guests. However, it also underwrites AmericaShare, which was founded by a Micato Safaris employee named Lorna Macleod more than 35 years ago to support both community development and access to education in Mukuru, one the largest informal settlements in Nairobi, Kenya.

Today, the philanthropy operates the Harambee Community Centre, which has library and computer facilities as well as recreational grounds, in Mukuru itself. Residents can come for a quiet place to study or work, look for employment and take advantage of other services. AmericaShare also supplies fresh, drinkable water in the area via multiple distribution points.

1 of 3

Students hard at work at AmericaShare’s Harambee Community Centre. ERIC ROSEN/THE POINTS GUY

Guests who go on safari with Micato in Kenya get to visit the community center to learn more about its efforts and meet students who have benefited from AmericaShare’s various educational undertakings during their stay. Those include supplying school uniforms to local children, sponsoring scholarships to primary and secondary schools, and sending some of the most vulnerable children to private boarding schools around Nairobi. In fact, for every safari the company sells, Micato provides the funds to send a child to primary school.

Micato also supports other efforts like Huru International, which supplies sanitary kits and reproductive health education materials to young women (more than 210,000 to date) throughout East Africa who might otherwise have to miss school or work due to the lack of reproductive health services in rural communities. By empowering women to take their health into their own hands, Huru helps them support their families and communities (not to mention cultivating their own careers) in ways that would not otherwise be possible.

Workers make female reproductive health kits at Huru International. ERIC ROSEN/THE POINTS GUY

For its part, one of the most targeted yet impactful ways Wilderness carries out its conservation mission beyond the day-to-day and lodge-specific measures it takes is through its Children in the Wilderness program, which was founded in 2001.

The program aims to cultivate new generations of homegrown conservation leaders in Africa’s rural communities by hosting student clubs at schools with activities that focus on environmental sustainability and wildlife education. Children in the Wilderness even brings kids to one of its camps on a yearly basis (7,800 to date) so they can learn firsthand about the importance of wildlife conservation. The program provides scholarships to high-achieving students, and some even return to become guides with Wilderness.

On a recent trip to Botswana, my guide at Little DumaTau, Segopotso Oja (See for short), was a former participant of Children in the Wilderness. “I was born and raised in a small village called Eretsha, located in the eastern Okavango Panhandle,” Oja told me later by email when I contacted him after my trip to ask more about his experience with Children in the Wilderness.

Wilderness guide Segopotso Oja participated in Children in the Wilderness on his path to becoming a safari guide. WILDERNESS

“Wilderness works closely with the community in this area, and when I was 10 years old, I was given the opportunity to join a Children in the Wilderness Eco-Camp,” Oja continued. “Here I grew to learn about and love the wild, and recognize the importance of protecting our wilderness, and this experience inspired me to pursue a career as a guide.”

Spending time in the bush helps combat some of the negative portrayals of wild animals that village children are typically taught, Oja told me. “Once they explore the wilderness, this opens their minds and changes their way of thinking to realize the value of conservation and that there are other career opportunities available to them in the conservation and hospitality space.”

Talking over the day’s sightings at Wilderness’ Little DumaTau. ERIC ROSEN/THE POINTS GUY

That’s the path that Oja himself took. He has since worked as a guide not only at Little DumaTau, but also two other Wilderness camps, Vumbura Plains and Mombo.

Oja also views his continuing role as an ambassador for Children in the Wilderness as crucial to the work he does and the future of conservation. “It gives me a chance to meet with youngsters when we host them in our camps,” Oja said, “and pass over the love of being a conservationist to the younger generation.”

Minimize your footprint and maximize your impact

Aside from picking a safari company with sustainability efforts you want to support, there are a few things you can do as a traveler to make your safari adventure more sustainable.

Long flights produce a lot of carbon, so you could consider a carbon offsetting scheme to reduce the footprint from your journey to your safari destination.

Don’t overpack since bush flights on small planes mean your luggage will be restricted anyway. What’s more, many safari camps provide free daily laundry, so you don’t have to bring too many outfits along. Plus, by limiting your luggage, you’ll reduce the amount of fuel burned on the planes carrying you to your various camps.

Among those clothes, make sure you bring some made from fabric with sun protection factor. That will reduce the amount of plastic-packaged sunblock you need to bring along. Opt for mineral-based sunscreens (look for those labeled as “reef-safe”) rather than conventional ones since the latter have chemicals that might be harmful to the environment as well as your own body chemistry, according to an increasing body of scientific evidence.

You might also want to leave your usual shampoo and conditioner at home since safari camps tend to provide eco-friendly, biodegradable products that are easier to manage waste-wise in the fragile ecosystems where they operate.

Finally, while safaris tend to be expensive, think about whether you can factor in a charitable donation to your budget. After all, if you’ve done your homework and picked a company with sustainability efforts you support, you might want to do just a little bit more good during your trip by making an unrestricted donation to the measures the group has underway.

Source: thepointsguy.com

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