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Is Your Family Truly Safe at Home?

Is Your Family Truly Safe at Home?

Given how important your family is to you, it only makes sense to do all you can to keep them safe and sound at home.

With that in mind, have you taken time recently to assess how safe your house is? Are there areas of the home that could use some improving? If so, do you have the money to make such improvements?

For many, money is the number one issue in preventing them from carrying out changes they hope to make.

If you find yourself in such a situation, will you try and move ahead with making the home safer for your loved ones?

Protecting Those You Love

So that your home can be as safe as possible from crime, inclement weather, fires and more, keep these ideas in mind:

1. Build of your home

For starters, what went into building the piece of real estate you own and live in? Is it as sound as can be? If the answer is no, would you ever consider a rebuild?

Unfortunately, too many homes are fire traps and more. As such, the residents are putting their lives on the line day after day.

Whether building a new home or thinking of a major re-do, there are options out there for you to make your house safer.

One such consideration would be steel home kits.

These kits give your family more protection than a standard wood home. Remember, those wood homes can oftentimes go up in flames. That should be a big consideration for you if you live in an area of the country that is prone to wildfires etc.

Another advantage is steel holds up better against other elements, hurricanes, and tornadoes.

If you want a sturdy house for protection and comfort, the steel home kit may very well be right up your alley.

2. Use commonsense each day

Given how many criminals are out and about, you must always do your best to stay one step ahead of them.

For instance, do you travel often for business or pleasure? If so, you could be setting you and your family up for problems if you don’t go through a safety checklist.

Among the items on that checklist when away from home:

  • Making sure the mail and newspapers do not pile up
  • Leaving an extra vehicle in the driveway if possible
  • Trimming the hedges and cutting the grass before going away
  • Leaving a light on a timer on at night
  • Not broadcasting on social media that you’re away from home. This includes not posting travel pictures until you return home

By using some common sense, you and your family are less likely to become crime victims.

3. Know when weather is turning bad

Even if you opt for the earlier mentioned steel home kit, you may decide you want to bail when the weather gets bad. If so, you’re not making the wrong move. A relocation for only a few hours or day or two could prove a wise decision.

Too many people try and wait out the major storms that come through their regions of the country.

While they can end up surviving the initial storm surge, things can still go downhill from there. From fallen wires to downed trees, injuries and deaths occur after the storm.

If an option, you may consider getting your family to temporary housing during a severe storm. In doing so, you’re all likely to survive.

Keeping your loved ones safe at home can at times be quite a job.

That said, it is a job that comes with being the head of the household.

Business/Investment, Real Estate, Style

How to Save for Retirement in Your Twenties

It’s tough to save for retirement in your twenties, but it’s not impossible. In fact, it’s easier today than it has ever been in the past. Most younger people are not earning a ton of money, but they are still able to save for retirement by investing, creating an IRA, and saving what little you can. Here are some recommendations for you to create a roadmap to a better life.

Individual Retirement Account

You should open your IRA immediately, even if you can only put 50 dollars in a month. Depending on which company you decide to go with, there may be some contribution limits, but you should be able to find an account that fits your unique situation. If you can only put away $100 dollars or less a month, you’re still saving. IRA accounts allow for you to make more money over time and you’ll never get your early twenties back. An IRA has many benefits, but starting one as soon as possible has the biggest benefit of all. If your employer offers a Roth 401(k) plan then you should immediately open an account with them. Employer contributions can increase your retirement savings by 40% over a lifetime.

Savings Account

You can open a savings account online today and always have something to fall back on. With your savings account, you’ll want to put at least $50 dollars a month into it, unless you can stand to put in more. A savings account will improve your credit score and allow for you to make more money in the future so it’s a good idea to get one started as soon as possible. You can’t always ask your friends and family to lend you money, so a rainy day fund ensures that you’ll be able to stand on your own two feet.

Investing

There is always the tried and true investing in real estate, but also there are apps out there that allow you to squirrel loose change away every time you make a purchase with your debit card. The money will then go into a portfolio that is diversified and continues with an upward trend. While it may seem like a risky idea to go with a startup, these platform based investing tools have been able to sustain themselves while competing with institutions that have been around for a hundred years. You can’t help but love an underdog! Your portfolio should, ideally, be 70% stocks and 30% bonds. This is a time honored distribution which, on average, sees a 9.1% return every year since.

This is not meant to be a complete guide to retiring in your 50s, but you should be able to start putting away enough money to live on when you’re old and brittle. It’s not the sexiest thing in the world, saving for retirement, but it is one of the smartest things you can do. If you ever need to liquidate your assets or pull money out of your accounts in a pinch, you’ll be able to. Forget about getting loans and just be self-sufficient.

Entertainment, Real Estate, Style, Travel

Five Places to Visit in Fort Collins Colorado

Fort Collins, Colorado is a wonderful place and one of the best cites to visit. It has the best blend of everything you could want in a small city. It has the highest concentration of microbreweries in America. A beautiful view of the Rocky Mountains can be seen from anywhere in town, and a fishable river flows right through. Colorado State University is square in the middle of town which means a bunch of hot 21 year olds, bars, and things to do. There are many places you should visit while you’re in town, but you’d be crazy to miss these five:

  1. Choice City Butcher

Choice City Butcher is an amazing place to go for breakfast, lunch, or dinner. They’re regularly touted as one of the best breakfast places to get a beer because they have a revolving tap collection that features some of the most iconic names in craft brewing. You’ll immediately have access to the best beers you’ve never tried and the selection is constantly changing. After you order drinks, you’ll have a huge menu to choose from that features delicious food that includes meat from: beef, buffalo, rattlesnake, antelope, and more. You haven’t lived until you’ve tried some of Vinny’s rattlesnake sausage so get going.

  1. The Yeti

The Yeti is a club in Fort Collins, Colorado which is split between three different entrances. The main entrance up top is a regular bar that fills up every weekend. The bar has typical bar food and a good selection of drafts, drinks, and cocktails. Overall, it’s nothing special, but it’s a really fun place to drink because the energy is infectious. The side entrance leads you to a completely different bar. This one is more upscale and almost hipsterish in feel. The electronic music and moody ambient lighting make it for one of the unique experiences in Fort Collins. The basement entrance is where the magic happens, though. Every Monday you can get pitchers of beer for one penny! That’s right, penny pitchers! Located in the heart of Old Town Square — The Yeti is the place to go.

  1. Tour De Fat

Tour De Fat is a bicycle an annual bicycling event led by the Fat Tire brewery. Every year people put on ridiculous costumes, get rowdy drunk, and then ride through town all day on their bikes. The brewery makes sure to include plenty of tables that local business can rent out to sell their goods and beer gardens everywhere. Get your bracelet early and drink all day at Tour De Fat!

  1. Universal Wellness Center

It wouldn’t be a list about Colorado if it didn’t include a story about weed! The Universal Wellness Center is pretty much the central hub for marijuana in Fort Collins. They have the biggest selection in town and lovely “budtenders” to help you make the right selection. You can’t help but love the creepy Alice in Wonderland paintings and overwhelming smell.

  1. Coopersmith’s Brewery

Also located in Old Town Square, Coopersmith’s is a huge brewery and eating establishment that offers exceptional taste at a fine price. The atmosphere is easy going but dark. You’ll fall in love with Coopersmith’s as soon as you go in and be ready to visit another famous Fort Collins brewery when you leave.

Business/Investment, Real Estate, Travel

The Best Cities to Invest In Real Estate in America

If you are looking to invest in real estate, then you should consider cities which are on the upturn so that you can have the largest return on investment possible. There are some cities that are in ruin, yet millennials run to them for cheap housing. If you weigh all the data, it will be easy to see that some of these unconventional picks are worth your attention.

Bozeman, Montana

You probably didn’t expect a city from Montana to be topping a “best of list” unless it was for “Best Cities to Go to Montana State University” but there is a method to this madness. Bozeman, historically, has been a small, working class city. The local university brings in a quarter of the town’s population every year but there have been others coming to the city for the past few years. It seems that the way Montana’s tax system is structured has created a haven for startup technology companies who can’t compete in Silicon Valley. These companies are moving to Montana instead and picking off the fresh engineering students from the university. The city is becoming more affluent and many fly fishers from the northeast are starting to buy up real estate.

Detroit, Michigan

Another unconventional pick, yes, but Detroit is one of the best cities to invest in real estate in America lately. A few years ago the city was bankrupt and there are hardly any jobs. However, there are a bunch of jobs starting to open up just 30 minutes north of the city and many millennials are moving to Detroit for dirt cheap housing. Neither the native locals nor the millennials can afford to purchase real estate which is what makes Detroit a sleeper hit.

Dallas, Texas

Cost of living in Dallas is poised to become one of the highest in the nation of the course of the next few years. Advising that figure is 6.2% three-year populace development, 3.9% employment increases a year ago and 9% yearly home cost picks up. Homes in Dallas are additionally underestimated; notable midpoints compared to adjacent city’s cost of living make Dallas a sure thing.

Seattle, Washington

The weed trade has turned Seattle into the crowned jewel of the Pacific Northwest. In the past year, prices have raised 12% and there is no end in sight. Restaurants in the city are doing so well, in fact, that they have done away with tipping waitstaff and restaurateurs are now paying them an overly rate. The population of the city is booming and more companies are moving to, what could be, the hottest city in America right now.

Those are four picks that probably were not expected for most real estate hounds, but the reality of the situation is that America is bouncing back. There were so many cities which were devastated back in the 2008 recession that are starting to do very well as a result of intelligent policy making. While other cities in America fall deeper into debt, the ones cited on this list are becoming major metropolitan hotspots.