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  • Work from Home is Here to Stay- Are you Ready to Move?

    Work from Home is Here to Stay- Are you Ready to Move?

    For many Americans, the new realities of working remotely have opened up possibilities for relocation that they had not considered before.  Open House searches are on the rise, and people are figuring out ways to make moves. Our team was curious about where people are moving- here’s what they found.

    On the popular real estate website redfin.com 27% of searchers were looking to move to an area outside of their immediate metro area. In the second quarter of 2020, the most popular places people were looking to move included Phoenix, Sacramento, Las Vegas, Austin and Atlanta.

    Why are people looking to move? Many potential buyers from out of town are now working remotely, so affordable options that include office space, a big backyard, and good weather are now a much higher priority.

    Tech workers are making up a large portion of the new buyer pool. A realtor in Austin was quoted stating that he had buyers from New York, San Francisco and Portland buying homesites in Austin, sometimes site unseen!

    Even areas that have been thought of traditionally as ‘vacation’ towns, or ‘places to retire’ are now also seeing an influx of full time residents with Palm Springs, CA as a perfect example. With nice homes priced between $350k and $600k- it’s no surprise that urban dwellers are ditching their apartments for more space and sunshine.

    Only time will tell if this trend becomes permanent, but one thing is for sure- with the many new realities we all face, considerations about moving are top of mind these days.

    If you are looking to sell your house- consider the following:

    When you are ready to sell your home, there are a few steps that you must keep in mind. Knowing how these steps work and being prepared for them is one of the best ways to get the most out of the sale and ensure that you can get moved out quickly. Some of the steps to take to get the most out of your real estate investment includes:

    Working with a Real Estate Agent

    One of the first things that you should do when you are ready to sell your home is find real estate agents near you. Some people want to go the “for sale by owner” route, but this can take a lot more time and effort to complete than doing it with an agent. Be aware that it does cost a commission, or a percentage of the sales price, to hire a real estate agent. But considering they often take on all the work and can handle the showings, the legal documents, and more, they are often worth it to get results.

    How an Agent Can Help You

    There are a number of benefits to hiring a real estate agent rather than trying to do it all on your own. Some of these include:

    1. They help you list your home at the right price. This helps you to get the highest price possible, without your home sitting on the market forever.
    2. They can present your home in a way that makes it more appealing to potential buyers. You love your home and that is great, but a real estate agent knows how to make it shine to a buyer.
    3. They can bring in more potential buyers. Most buyers like to work with an agent. And many times your agent will already have a list of people who may have some interest in the home. This helps you to get the best offer possible.
    4. They handle all of the paperwork for you. This is one of the most difficult things to do when you try to sell your home on your own. With the help of a real estate agent, you will not have to worry about all of the paperwork and legal stuff because they will do it all.
    5. The agent can get the best offer from each buyer. When the home sells for more, the agent earns more. This incentivizes them to get a better offer on your home.
    6. Can negotiate after the inspection. While you most likely will need to get a few things done on your home after the inspection, an agent will make sure the work is kept to a minimum.
    7. Speeds your closing time. This helps you to get the home closed on and the money in your account so much faster than before.

    Typical Costs for a Real Estate Agent

    There are several factors that will come into play when you have to pay for your real estate agent. Some agents will charge more if the sale price is below a certain threshold and then will lower the rate if the price is higher. Some may have other deals and incentives to get sellers to work with them. The average commission for most real estate agents is 6%.

    Before you sign with an agent, take the time to ask about the commission they will earn. This helps you be prepared and can make it easier to factor in this cost when you finally get an offer on the home. You as the seller will be the one who will pay the commission to the real estate agent. This 6% is often split between the buyer’s and the seller’s agent, but the seller is still responsible for the whole amount.

    Picking a Good Sale Price

    The next thing that we need to take a look at is how to pick out a good sales price for your home. There are a lot of different things that go into determining a price for your home. While you want to get top dollar for your home, you do need to be realistic about what a buyer is willing to pay.

    To determine the price of your home and what to sell it for, you must consider its location, how big the home is, how many rooms and bathrooms, any upgrades, and even what other homes in the area are selling for as well. And since each home is a little different and very unique, this can be hard.

    One way to figure out a fair sales price on your home is to perform a “comps” analysis. This is when you and your agent will look at some of the recently sold comparable homes on the market. While it may be hard to find one exactly like your home, it can give you a better idea of how much similar homes in your area have sold for.

    This is also why it is important to work with that real estate agent we talked about earlier. They know how to handle the pricing of your home and will help explain it along the way. They can take in all of the factors for you and come up with a fair price that is likely to sell your home quickly.

    Staging Your Home

    If you have already moved out of your home and no longer live there, one way to sell it faster is to stage the home. This helps to give your potential buyer a look for how the home can be used and gives them a vision of all the potential in the home. Never leave the home completely empty because this slows down the process.

    List the Home and Start Showings

    When you are ready, your agent will come over and sign some paperwork with you. This helps both of you be on the same page the whole time and can avoid confusion later on. The agent will also take pictures of the inside and outside of the property so they can show potential buyers, both online and in person. It is then time for the agent to list the property and wait for the calls to come in.

    At some point, you will need to show your home. The days of  an ‘Open House’ are gone for now, and most agents will hold private showings. The agent can handle this, but you must make sure the home is clean and ready to go. And you may have to be out of the way for a bit. Sometimes it only takes a few showings and sometimes you may need to deal with quite a few showings. But these are the best way to sell your home. All buyers will want a chance to look through the home and see if it is right for them.

    Accepting an Offer

    At some point, you will get an offer on your home. If the offer sounds good to you, you can accept it and move on with some of the inspections and other things that need to get done. You can also provide a counteroffer to better meet the needs you have if the buyer’s offer is close to your original offer. If the offer is way off, you can choose to decline the offer.

    The offer will often include information on what the buyer expects. They will say what they want to purchase the property for along with the preferred closing date, any inspections they want, and other contingencies. The most common contingencies including the buyers securing their financing and the buyers selling their other home.

    The Different Types of Inspections

    Your buyer may choose to do a few different inspections to make sure the home is safe and secure. If there are some major problems with the house and they are found during the inspection, then you will be responsible for them. Most home buyers choose to do a full home inspection that checks out quite a few different things, but they can also do a few other inspections based on their needs. The most common inspections include:

    1. Pest and rodent inspection
    2. Radon inspection
    3. Chimney inspection
    4. Roof inspection
    5. Lead-based paint inspection
    6. Flooding damage inspection
    7. HVAC inspection

    As we mentioned, the full-home inspection is the most common, though some may choose the others if these problems are common in your area. The buyer will usually put this in their offer so you can decide which inspections you want to participate in ahead of time. The cost of the inspection falls to the buyer. The cost to fix anything falls to you.

    If there are some repairs necessary on the home, you can typically negotiate these. When the buyer has some minimal repairs to do, you may consider doing them and finishing the process. Other options are to offer the home “as is” so you won’t do any repairs or offer a credit for the work to be done. The credit may work if there is a time crunch on the sale and you don’t have time to get it done. Homes sold “as is” often take a lot longer to sell.

    Closing On Your Home

    Once all the inspections are done and you have moved out of the home, and your home buyer has secured their financing, you can close on the home. These often happen at two different times. You will meet with the lender or a title company to sign off on the home and agree to the sale.

    Later, sometimes the same day and sometimes later depending on the schedules, the buyers will go in and complete their paperwork to buy the home. The funds will go to pay off the rest of your mortgage, your real estate agents fees, and any other closing costs that are necessary. Whatever is left will be deposited in your account and can be used for purchasing your new home, paying off debt, or other uses depending on your needs.
    Typical Closing Costs

    There are a few closing costs you will need to pay before you get any money from your home sale. Some of these include:

    1. Any attorney’s fees for writing up the documents.
    2. Credits towards the closing costs that you and the seller agreed on.
    3. Any HOA fees if applicable.
    4. The prorated property taxes.
    5. Any escrow that is agreed on and other closing fees.
    6. Title insurance
    7. Transfer tax
    8. Agent commission.

    There are some other fees that may be required based on the bank you work with and where you live. You and your agent can discuss these fees before closing so you aren’t caught by surprise.

    Are the Rules Different in Each State?

    There are a few things about selling a home that will vary based on the state you live in. In fact, depending on where you live in each state the rules may be slightly different as well. Knowing what these differences are in your local area can be tough, but this is another benefit of working with a real estate agent to get things done.

    First, the amount in taxes you pay will vary based on one state to the next. Some states will require the seller to pay taxes on the home up to a certain point and others will require the buyer to handle this. Some states, including California, have a special tax on any home sold that may add to the closing costs you must work with.

    Most states have requirements that the seller needs to include any information about the property that may deter the buyer from making the purchase. This is often presented to a potential buyer before they even put an offer in on the home. This could include any updates you did on the home, along with any potential problems that you know about.

    You may also need to work with an escrow account. The way that this is used will depend on the state you live in but allows a little protection on both sides. It ensures that both parties know where the money is and they can get it back if things go south during the deal. Talk with your real estate agent to find out if an escrow account is necessary for you.

    Where is Everyone Moving During the Covid-19 Pandemic?

    Due to Covid-19 pandemic many Americans are ready to live the cities and move somewhere more rural. This is great news if you have a home for sale in a rural area as you are more likely to attract a good buyer for a good price.

    In fact, six out of ten Americans have said that they would consider moving to a less populated area. Some may have been considering this before. Some may be tired of living with all of the health mandates. And some see these rural areas as safer areas to be because with fewer people there, it is a much safer place to be right now.

    This is a common trend no matter which state you live in. Rural homeowners who are looking to make a switch and get out of their home into a new one will find that is a sellers’ market and they will do well. In fact, it is likely that you will have a few offers to sweeten the pot.

    Selling your home is a big experience. You have to get the home prepared and looking nice while cleaning. You need to find a good realtor who will work with you and find the best deal. And you need to finish all of the inspections and other work after you accept an offer. But when you have things organized and ready to go, you will find that it is easy to sell your house quickly.

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  • Live Your Dream: Owning an RV

    Live Your Dream: Owning an RV

    Many retired people dream of buying an RV—a recreational vehicle—and traveling around the country. One of the most enduring and fun pastimes that Americans enjoy during their vacation time is going camping. However, camping can be a bit inglorious: slumming it out in a tent in the woods is a bit harder to do once you’re out of your twenties. So, what’s a lover of the great outdoors to do? Well, the simplest solution would be to buy an RV, so you can bring a little bit of home with you when you go camping!

    RVs are quite the investment, though. It’s important that you know what you’re getting into before you buy an RV. To that end, we’ve compiled a quick guide of things you should know before you buy an RV. Get ready to hit the road and the campground in style!

    Be Selective

    It’s okay to take your time when you’re looking to buy an RV. Check out all the options available to you, take it slow and easy, and don’t fall in love with the first camper you see. It’s easy to fall for a hype sales pitch, but don’t let it convince you to buy something you’re not sure about yet. An RV is likely the second-most expensive thing you’ll ever buy, after your home. As such, it’s important you’re as discerning with your RV as you were when you bought your home.

    Keep a lookout for substandard components. Maybe the plumbing isn’t ideal, or the water pump is outdated. Check the cabinets out and double-check the build quality on the furniture. This is a huge purchase: it’s okay to take a year or more doing research and weeding out the campers you know you don’t want before you find the one you do.

    On the Lot

    When you’re going in to buy the RV, make sure you know when to buy. The best time to hit the dealership is towards the end of the month, or the end of the year. That way, you’re close to the deadline for some of the dealership’s quotas and sales targets. This gives you a lot more power in negotiating. When the power is in your hands, you can negotiate much more freely.

    Start by haggling for around thirty percent off the sticker price of the RV. If you can get the price down around that region, you’ll be in good shape. It’s important that you know to walk away if you can’t find a good price with the dealership you’re at. Let the salesperson know that you’re willing to walk away and work with their competition if they won’t work with you.

    Or Buy Used

    If you don’t feel like fussing with a dealership, you can try to buy an RV used. RVs are unusual in that they’re luxury items, but their value depreciates rapidly once they’re purchased. After being driven off the lot, they can drop as much as 25% in price on the spot. As such, if you’re willing to shop around and deal with secondhand sellers, you can likely find RVs for as much as half off their MSRP.

    When buying used, make sure you check the living quarters thoroughly and ask the owner for all the paperwork showing the proper upkeep and maintenance of the RV. They can be a big hassle to keep up with and maintain, so if the person you’re buying from is done with the RV and wants to get rid of it, you’ll likely find it easy to haggle for a better price on the camper. Be aware before you buy any RV that repairs can be costly and can take a lot of time, so be ready for a big responsibility. If you put the work in, though, they can be huge fun!


  • Thinking of Purchasing A Boat? Learn Just How Affordable It Can Be!

    Thinking of Purchasing A Boat? Learn Just How Affordable It Can Be!

    Most people don’t realize how affordable boating is: in some instances, you can buy a brand new boat financed for around $250.00 a month, like a car. If you’ve fallen in love with a boat — or the idea of one — it pays to learn more about boat loans. Boat loans are set up much like car loans, with a specific loan amount on which you pay interest over a fixed term. You can get boat financing through banks, credit unions, boat dealers or marine finance companies.

    3 Types of Boat Loans:

    Secured Loans

    This type of loan is secured, meaning that it is backed by collateral. So, if you default on your loan, the lender will take the collateral as a form of payment. Much like a car loan, your boat can be repossessed if you stop making payments.

    Unsecured Loans

    This type of loan does not use the boat, or any other asset or property, as collateral. Because these types of loans are not anchored to any specific asset as collateral, they’re seen as high-risk loans. Due to this, you’ll often find a much higher interest rate attached to this loan.

    Second Mortgage

    Some boat owners opt for a second mortgage, which is essentially a second type of secured loan mentioned above. A home equity loan, which is a type of second mortgage, uses your home as collateral for the boat loan. Interest rates for secured loans tend to be lower than those for unsecured loans That said, home equity loans can be particularly risky because the stakes are so high: If you default on the loan, the lender may be able to take your home.

    How do boat loans work?

    If you’ve had a car loan before, you already have a basic understanding of how a boat loan works. You can apply for a loan amount, put money down, and then choose a repayment term. If approved, the lender may offer a higher or lower interest rate based your credit history.

    Lenders

    You have a range of lender options. Some banks, credit unions and boat dealers offer boat loans. However, marine finance companies also specialize in these types of loans.

    Down payment

    Boat loan lenders often want to see a down payment, usually somewhere between 10% and 20%, depending on who the lender is and how much your boat costs. Watch out for some lenders offering 0%-down loans. While it may seem like a great deal to not make a down payment, this can actually increase the total cost of the loan once interest is taken into account. Ouch!

    Interest

    Interest rates on boat loans may be fixed or variable. This will vary widely based on the lender you decide to go with and, of course, your credit. Some lenders are offering APRs starting between 4% and 6% on secured boat loans. But factors such as your credit history, loan term and loan amount will always affect your rate.


  • The Secret Hack To Getting Your Taxes Done For FREE!!

    The Secret Hack To Getting Your Taxes Done For FREE!!

    It’s that time of year again. Tax time, the time when you know you need to get out and get your taxes prepared. Maybe you’re notorious for putting it off, since it can be pricey.

    However, there are a number of ways to get your taxes prepared for FREE! In fact, you can even get your taxes prepared online for completely free today! Here are some of the best sites to use for free tax preparation.

    Free Tax Preparation

    FreeTaxUSA

    FreeTaxUSA is a user-friendly and well-made site for tax preparation. The site is very straightforward, easily walking you through filing your taxes step-by-step. If you’re worried about your taxes being too complex to fill out online, don’t. This site offers you a very thorough helping hand in getting everything filed easily.

    While the federal return is totally free through this site, filing a state return through this site costs money. On average it costs about $12, so make sure you factor that in when you’re considering your tax filing. Keep in mind that it’s most likely that any tax prep site you use will require a small fee for filing a state return.

    H&R Block

    Many people are much more familiar with H&R Block due to their physical tax preparation locations. However, H&R Block also offers a free tax filing service through their website. While preparing online might not sound like the normal H&R Block, it’s actually a rather streamlined and easy-to-use site.

    Not all types of returns can be prepared on the site for free, however. As with most sites, state returns will still require a fee to be sent in from their site. Additionally, more complex tax returns could include a fee for filing.

    The upside to H&R Block is that if your taxes prove too complex to fill out online, you can go to one of their physical locations. Then, a tax-preparer can get you set up in-person! Keep in mind, however, that using in-person tax preparation won’t be free.

    TurboTax

    As their numerous commercials have proclaimed, TurboTax allows you to file your federal return for free. As you might expect, this doesn’t apply to state returns, which include a small fee. Much like FreeTaxUSA, TurboTax offers a great user interface for inputting all of your tax information.

    You won’t have to worry about forgetting something or getting lost. If you miss a box or need to input more info, the useful client will remind you. You can rest assured with TurboTax that your return will be accurate before you submit it!


  • Discover How New Home Food Delivery Services are Revolutionizing the Industry

    Discover How New Home Food Delivery Services are Revolutionizing the Industry

    Eating right is one of the most beneficial changes you can make to your life. While many make this a New Year’s resolution, the best time to start is now. There are a variety of cooked and uncooked food delivery services that can help you kick off your healthy eating practice. We’ve made the decision a little easier and put together a list of our favorite food delivery services.

    Home Chef: 40-385 for weekly meal plans

    Home Chef specializes in providing you with all the ingredients to easily create classic dishes from home. They tend to focus on dishes that are simple but hearty like steak or sesame chicken and potatoes. They also feature international meals like Vietnamese pork and Cuban steak burritos. Home Chef also takes its responsibility to the environment seriously. Every piece of food that comes to your door is wrapped with fully recyclable packaging and instructions on the best way to dispose of it.

    They also feature memberships that fit what you’re looking for. There’s no commitment and you can cancel any time you please.

    Blue Apron: $48 to $120 for weekly meal plans

    Blue Apron is one of the most recognized names in the food delivery space. They focus on easy recipes that should take less than 45 minutes to make. They take pride in focusing on using sustainable and locally sourced ingredients for their recipes when possible. While they focus on simple dishes, the flavors are far from it. They also offer an additional service that will pair various wines for your meals.

    Freshly: $50 to $108 per meal plan

    Freshly is different from the first two services that we’ve chosen. They not only focus on saving you time at the grocery store, but they also save you time in the kitchen. Freshly meals come prepped and cooked by their chefs so all you have to do is heat it up. They claim every recipe is free of refined sugar and gluten, so they are perfect for those following the Whole30 or Paleo diets. They even allow you to schedule your meals weeks in advance so it is truly a service that you can set and forget.

    Martha & Marley Spoon: $48 to $131 for weekly meal plans

    Some people love the creativity and attention to detail that Martha Stewart puts into her famous dishes. Her recipes in the past have been known to be complex and challenging. But with the Martha & Marley Spoon home delivery you get the chance to make those dishes in a simplified and delicious form. The ingredients are all high quality like grass-fed beef, artisanal vinegar and come perfectly portioned so you don’t end up with leftovers that go to waste.


  • Surprising Hacks to Finally Achieve Your New Year’s Resolution

    Surprising Hacks to Finally Achieve Your New Year’s Resolution

    With 2021 nearly over, people all over the world are coming up with new resolutions to improve their life. Some are easy and some are tough. That’s why we’ve come up with some of the most popular resolutions for 2022 and surprising ways to achieve them.

    Build the Body You Want

    Many people come up with a new year’s resolution to lose weight. But we encourage you to think beyond just losing weight. Make a resolution to develop a stronger and healthier body. There are numerous small ways to accomplish that.

    Every day there’s a new study that touts the varying health benefits of working out. You can find numerous ways to break a sweat, but the important part is that you do it consistently. One great way to get in shape at home is through a wi-fi connected Peloton Bike or Mirror. Both can provide you with an amazing workout providing you’re ready to make a monetary investment.

    Another easy way is to do that is by developing a meditation habit. There are numerous free apps that can provide you with simple guided meditations to get you started. You don’t need to start with 30-minute-long meditations. 10 minutes is enough to feel the energizing and focused effects of meditation.

    Learning New Things

    Part of living a fulfilled life is continuing to develop as a person. Being a lifelong learner is part of continuing to develop as a person. Some people want to earn more, some want to learn more about themselves and some just want to learn for entertainment.

    One of the most popular skills people attempt to learn to earn more is coding. If you have the motivation there are numerous great online resources like Skillshare, Codecademy and Lydia. Some of these sites even allow you to practice your coding within the web browser.

    If you want to read to learn more about yourself there are lots of sources that can help you. For example, optimize.me goes through 100’s of new and classic self-improvement books to provide you with a thorough summary of the main points of these books. Since we typically remember a limited portion of what we read, this is a great way to consume your favorite titles in a fraction of the time.

    Earn More Money

    When you want to earn more money, turning to savings can be the easiest way to boost your earnings. There are numerous ways to start saving, but getting started is the biggest challenge. Your phone can even help you save. Acorns is an app that allows you to connect it to your debit card and round up purchases to the next dollar. You then can choose your investment risk and Acorns will invest that rounded up change into your own personal investment portfolio. Over time that small investment can grow into something big.

    Another great way to save money is by comparing your insurance policies. Many car insurance companies won’t give you their best rate unless you negotiate with them. That’s why it’s important to get multiple quotes when reconsidering who it is you want to protect your vehicle.


  • Simple Home Workouts to Keep Your New Year’s Resolutions

    Simple Home Workouts to Keep Your New Year’s Resolutions

    The holidays are over and it’s time to shed that winter fat. You’ve probably resolved to live a healthier, more active life for your New Year’s resolution. If so, you’re probably eyeballing a gym membership or some home workout equipment. Before you make any big purchases, though, take it slow. Check out some of these simple home workouts that don’t require any equipment or gym membership. These are some of the easiest ways to keep those New Year’s resolutions!

    Simple Home Workouts

    Before you Start
    Before you start any of these workouts, here’s a few quick words of advice. Make sure you drink plenty of water and don’t overdo it. You should also stretch thoroughly before any strenuous physical activity. If you’re not very used to working out, make sure you don’t throw yourself in too haphazardly. You don’t get good results if you over-exert yourself! Take two minute breaks between each rep and catch your breath.

    Incline Push-Ups
    Get a surface like a bench or box that is sturdy enough to hold up your body’s weight. Brace your arms in a push-up position against the raised surface. Keep your body as straight as you can from your feet up to your head. Keeping this straight profile lower your body with your arms until it dips beneath your elbows. After a brief pause, return to your neutral position as rapidly as your arms can safely manage.

    If you find this exercise difficult, you can increase the incline. The greater the incline, the easier it will be for you. Likewise, if you find this too easy, you can instead do a traditional push-up, with your hands on the floor. In either event, 12 to 15 repetitions is a good number for a session.

    Side Plank
    Start by lying on the side of your body your non-dominant arm is on. Prop your body up on your elbow and forearm and make sure your arm is right under your shoulder. Place your other hand on your hip and tighten your core. Using your core, raise your hips from the floor and keep your arm locked in place. Keep your core tight and hold there for half a minute. Then, flip over and repeat this process for your other side.

    If you find it difficult to hold this for a full thirty seconds, you can try a modified version of the side plank. The modified version involves the same motions, but instead of holding it for a full thirty seconds you can drop back and then restart the movement. Do this until you get thirty full seconds across whichever number of repetitions you need to do.

    Squats
    Square your shoulders and stand as up as straight as you can. Set your feet a little further out than your shoulder-width and hold your arms out in front of you, parallel to the floor. Flexing your ab muscles, keeping your back straight and arms out, slowly squat by bending your knees and keeping your hips back. Once you get as low as you can, pause briefly before slowly returning to a standing position. Repeat this motion 15 to 20 times for a full session.

    Hip Raise
    While lying on the floor on your back, bend your knees and place your feet flat on the floor. Put your arms out at an angle from your body and face your palms up towards the ceiling. Tighten your core and breath normally as you squeeze your leg muscles and push your hips off the floor. Keep you body in as straight a line as you can while pushing your hips up off the floor. Pause when high in the air for about five seconds and then and then lower back to the floor slowly. 10 reps make for a full set!

    Jogging
    After doing reps of each of the body-weight exercises, you can round out your exercise with a light jog. Make sure you stretch your legs well and get hydrated before heading out. Stay safe when you’re out jogging, watch out for cars and make sure you don’t trespass. Jog for a few miles every morning or every other day and get in the habit of exercising regularly. If you make it a habit, it’s much easier to get up and get your workout in before work!

    If you stick to these easy exercises and make sure you do them consistently then you may find you have better luck with your resolutions. Happy New Year, and we hope your resolutions go well!


  • You Won’t Believe What AARP Offers Seniors For Discounts!

    You Won’t Believe What AARP Offers Seniors For Discounts!

    Many people ask the question as they get closer 50: is AARP worth it? The membership isn’t terribly expensive, and there are a number of benefits associated with being a member. However, do those benefits outweigh the yearly membership cost of AARP? Let’s look at the AARP and find out if the membership is worth it for you.

    AARP Membership

    What is AARP?

    The AARP stands for the American Association of Retired Persons, but you don’t actually have to be retired to be a member. The group is a non-profit interest group that represents the interests of retired and older Americans. The organization’s stated goal is “to empower people to choose how they live as they age.” The organization was originally founded in 1958 by Ethel Percy Andrus and Leonard Davis.

    Thanks to their 38 million members and yearly membership fees, the AARP is a rather influential and massive interest group. They lobby Congress and other government agencies on the behalf of retired and elderly Americans, often tackling issues like prescription drug prices and caregiving for older persons.

    What Does AARP Do?

    In short, AARP lobbies for the interests of retired and elderly people. Their lobbying efforts are part of their stated mission goal, and they are a non-profit that spends most of their funds on their lobbying. They also set up tons of discounts for their members at various businesses. Memberships for a year cost $16, or $12 if you sign up for auto-renewal.

    Who can Become a Member?

    Membership doesn’t require you to be retired. All you need in order to become a full member of AARP is to be 50 years old. In fact, you can join up as an “associate member” as long as you’re over the age of 18. However, you don’t get access to the full range of benefits AARP offers members if you’re not 50 or older.

    Benefits

    Some of the most notable benefits you’ll want from AARP include discounts on various services. These can include discounts at restaurants and on travel. Travel, in particular, is a major focus of the AARP. They have travel package deals, focusing on travel for retired persons, that can save you tons of money on vacations.

    Other discounts can include up to 25% off of car rental prices, which is great for frequent travelers. Then, on top of this, you can get up to 10% off of your stay at various hotel chains that have deals with the AARP. Flights, cruises, travel packages, and more are also available at discounts through the AARP. You can also land exclusive deals on car insurance like a 10%* discount on your premium, accident forgiveness, and disappearing deductible.

    Many people may not know, but AARP has also partnered with dental insurance companies to help those who don’t have coverage. They offer a variety of PPO and USA plans depending on where you’re from. AARP knows it’s always a good idea to make sure you have your smile protected.

    Entertainment

    Another form of discount you can get through the AARP is on entertainment. This includes discounts on movie tickets through Regal theaters, and there are also discounts through the “Movies for Grown-Ups” program. Another way to save is through Ticketmaster, which offers discounts for AARP members.

    Cirque du Soleil offers 20% off for AARP members at some of their Vegas shows, too! This is a great way for a retired person to save a ton on their entertainment budget, making AARP a smart decision for someone looking to see lots of movies and shows.

    Bottom Line

    There are numerous other upsides for AARP members, including the AARP Now App, the Avo retirement planner, and the free online AARP Brain Games. These benefits, when combined with the discounts that full members get, make AARP membership attractive for many older Americans.

    In short, the cost of your membership is easily offset if you use the discounts on even a few movie tickets. If you spend money on a vacation and save some through the discount program, odds are the $16 membership price will more than pay for itself.


  • Want to Enjoy the Holidays Without Gaining Weight? Here’s the Trick:

    Want to Enjoy the Holidays Without Gaining Weight? Here’s the Trick:

    Americans gain about one to two pounds during the holidays. While this doesn’t sound so dramatic, research shows it adds up over the years. Luckily, there are tricks to avoid holiday weight gain. We’ve got you covered:

    Tip #1: Don’t Skip Meals

    Saving your appetite for a big holiday party or feast? Don’t. Skipping meals during the day usually results in overeating. It is especially important to have breakfast, as research shows that those who eat this important morning meal tend to consume fewer calories throughout the day. Include lots of fiber by eating fruits, vegetables and whole grains. Fiber-rich foods are high in volume and will satisfy hunger but are lower in calories.

    Tip #2: Eat Small Portions

    Holiday meals tend to be large, buffet-style and include second and third helpings. While one might not eat an entire cake, a common mistake is eating large portions of foods that are perceived as healthy, but they’re simply not. It’s important to include nutrient-rich foods in your diet, but also remember that these foods also have calories and should be eaten in moderation. Using this trick at the holiday dinner table will allow you to maintain a healthy diet — one that includes dessert!

    Tip #3: Avoid Overeating

    There are many strategies to help you avoid overeating. For example, using a smaller plate lets you put less food on your plate and encourages proper portion sizes. Also, start by filling your plate with veggies and salad before going to the entrees and desserts. Eating a salad before your meal can help you eat fewer calories overall. Eat slowly and enjoy every bite, and before you go back for a second round wait 10 minutes to see if you’re really still hungry.

    Tip #4: Keep Moving

    After dinner, get some physical activity. It’s important to get up from the dinner table and keep your body moving. This is a great time to go for a walk and catch up with family members, or play catch or a game of basketball with the kids.


  • Looking for a Change of Career? Upgrade Your Life With These Quick Online Programs:

    Looking for a Change of Career? Upgrade Your Life With These Quick Online Programs:

    When it comes to careers, it’s a bit disheartening to think about having to change your path as an adult. You’ve already been trained and educated in your field! How are you going to switch gears when you suddenly find yourself without a job, or start looking for a change of pace?

    Today we’re going over some of the top online degrees that are sought out by people changing careers. These are programs that will work on your schedule, at your pace, and help you transition into a new career path with no fuss.

    Top Online Degree Programs:

    Accounting

    Accounting is a very stable field of work. If a company exists and does business, it has an accountant. As long as there are people doing business, people need an accountant. You can pursue a degree in accounting through many great online programs, and getting into the field is straightforward once you have a degree.

    Independent work in the field of accounting is plentiful, whether as a bookkeeper, payroll professional or freelance accountant. Arguably the most plentiful work for a freelance accountant would be tax preparation. On average, an accountant makes $68,000.

    Human Resources

    HR is a field that offers very stable work, as all large companies need an HR department. Without an HR department, companies can’t easily manage their people. If you like working with people and don’t mind defusing potentially incendiary situations, HR might be a great field for you.

    You’re sure to find ample work in the field once you get an online degree in HR. Companies with large enough profiles require sizable HR departments, making the field very consistent and stable. On average, HR professionals make around $60,000 per year.

    Nursing Degrees

    If you have a compassionate heart and want to get your foot in the door in a medical career, consider an online nursing degree. Nursing is a rewarding and stable career that you can pursue via an online degree course. No matter where you live, there are hospitals that need nurses, so the job is consistent. Additionally, nurses make good money and often receive full benefits for their work.

    Registered nurses can make an average of $70,000 per year once they’re in full swing.

    Criminal Justice

    If you’re interested in a more civic-minded career, you could look into online degrees in criminal justice. The criminal justice field includes jobs like corrections officer, court functionaries and even police officers. While the degree itself has a wide scope, it can be pursued online and offers a great change of pace to a rewarding career serving one’s community.

    Police officers usually make an average of $60,000 per year, though that number can vary widely depending on the county, experience and other factors.

    Cyber Security

    Jobs in cyber security are highly sought-after in our increasingly connected world. While you might not think it, IT specialists and cyber security professionals are in higher demand than most other skilled labor. If you’re passionate about technology and interested in a career in cyber security, a degree in the field can be pursued online at your own pace.

    Cyber security professionals can make an average of $90,000 per year if they’re successful and have relevant experience. This makes the field very attractive for people looking for a change of pace from their existing career!

    Graphic Design

    If you’ve got a hand for art and want to get into a paying career, graphic design could be the path for you. Designers typically work for companies that need lots of graphics, such as designing logos, advertisements and the like. Graphic design work often sees lots of overlap between art and computer science. As such, it’s a highly competitive field with lots of job opportunities.

    On average, graphic designers make around $47,000. That number can vary a lot based on how much experience you have, who you’re working for and where you’re located.