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Decorating your rental with stuff you already own

[ad_1] Canadians spent a lot of money feathering their nests in the early days of the COVID-19 pandemic. Between March and September 2020, nearly 45% of Canadians bought either furniture, electronics or appliances, and nearly 37% conducted significant renovations, according to this Ipsos survey. But when you rent, you can’t just paint the walls or hang up art without getting your landlord’s permission first. So what can renters do to decorate on a budget? Before slapping down cash or a credit card, Elias Blunden-Stone, who runs The Room Editor—a service in which he reuses his clients’ belongings to redesign their space, says to start with what you already have.  “Working with what you have first—by moving stuff around to make it work harder, smarter or more beautifully, and only then adding affordable but impactful finds—always made more sense to me than starting from scratch and spending a ton,” says Blunden-Stone, who describes himself as a stylist, design journalist, collector, artist, maker, and passionate and savvy shopper. MoneySense connected with Blunden-Stone to chat about how people can create or update their spaces in a fun yet financially smart way. Photo by Jamo Best What financial pitfalls do people encounter when they decorate? Spending more money on certain items than they have to. I pattern a very simple and affordable model of how to edit your space. Most of my clients are surprised by what is available to buy for less than they expected. They think they have to spend more money on certain home goods, and I show them affordable directions they might not have been aware of.  Why do people feel they need to start from scratch when redecorating? Starting from scratch can be necessary, so I don’t discourage it under the right circumstances. Day to day, I think people mistake being tired of the things in their space for disliking them, so they decide to get rid of it all and start from scratch. In real life, when you are tired, you move around or you take a nap. Applying these same principles [to redecorating] by moving things around—giving them a good clean polish or taking a break from them by putting them aside for a while and shifting focus onto other things you have—will give you a fresh perspective before you start to spend on new things. What are the benefits of using what you already own to redecorate? First, there’s the savings, as you’re not likely to spend as much money on new things as you might be to refresh or reframe the things you already have. You are also eliminating the waste of throwing things away, and the terrible impact that may have [on the environment].  Interior designers have a different and amazing set of skills, and they work at a different level [than I do]. What I have done is create a service for people who don’t want the financial impact of the traditional design route. I take on very small jobs, such as finding a single lamp or rug. I embrace budget retailers, encourage DIY and suggest easy ways for clients to refresh and reframe their possessions themselves. I let clients do their own purchasing in their own time and at their own pace. This saves them not only in spending, but it saves them from feeling any kind of pressure. What are some of the highest-impact ways to change a space on a small budget? The top five things I would advise when tackling a space on a small budget are: Accessorize smartly with plants, books, affordable wall art and decorative textiles. These are all inexpensive ways to make a huge change to the look and feel of a space. My favourite tip for acquiring a lot of greenery within a short time is to have a dinner party and ask for houseplants in lieu of wine. Learn some DIY. If you find a bargain on something because it’s an odd colour or needs a little TLC, look into painting, fixing or refinishing it yourself. It’s often a lot easier to do than you’d think, and there are so many handy digital tutorials that can help. I watched one online tutorial video over 50 times, then had the confidence to rewire seven lamps myself. It can be as simple as taking a vibrant printed piece of fabric and stretching and stapling it over an old canvas frame. This makes a massive visual impact and can fill a huge wall space or even act as a headboard for very little money. Move things around. This is a simple but highly impactful way to make your space work harder and better, and it costs nothing. Embrace budget retail for things like a mirror or lamp shades that just sit there untouched most of the time. The function involves little physical contact, so why not look for a stylish budget-friendly option? Treat your budget furniture like it’s expensive. Some might think it’s OK to put their feet on their IKEA coffee table because it’s from IKEA, but then it deteriorates more quickly. And they wrongly imagine it’s the quality of the piece and not the wear-and-tear that has caused its demise. I have had IKEA furniture in my home for years because I treat it with respect. Get free MoneySense tips and more in your inbox! It pays to know. Go to Site If someone wanted to do something similar at home, with zero budget, how should they start? A fresh set of eyes is a great way to kickstart your own editing process, so: Invite an opinionated friend over. Be open to questions about why you own something and why you’re using it in a particular way. Gather everything you want to keep and lay it out in an open space. Put the things you don’t necessarily want to keep aside for now. Identify anything you most want to celebrate and put it in a prime position. Repeat this process throughout your home. Fill in

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How to Invest $1 Million Dollars in Today’s Market (Without Blowing It)

[ad_1] They say your chances of winning the lottery are somewhere in the range of 1 in 10 million. Well, today is my lucky day, because I just won – yeah baby! Okay….maybe I didn’t actually win. We’re just going to pretend I did for the sake of this post.  🙂 I once had a client ask me, “Jeff, if you had a million dollars, how would you invest it?” The reality is, there are a ton of different strategies I would personally use to invest $1 million dollars, and to help this seed money grow into even more cash over time. If you have a million dollars to invest or anywhere close to that, the steps below can help you grow your money so it lasts a lifetime. #ap69932-ww{padding-top:20px;position:relative;text-align:center;font-size:12px;font-family:Archivo, sans-serif}#ap69932-ww #ap69932-ww-indicator{text-align:right;color:#4a4a4a}#ap69932-ww #ap69932-ww-indicator-wrapper{display:inline-flex;align-items:center;justify-content:flex-end;margin-bottom:8px}#ap69932-ww #ap69932-ww-indicator-wrapper:hover #ap69932-ww-text{display:block}#ap69932-ww #ap69932-ww-indicator-wrapper:hover #ap69932-ww-label{display:none}#ap69932-ww #ap69932-ww-text{margin:auto 3px auto auto}#ap69932-ww #ap69932-ww-label{margin-left:4px;margin-right:3px}#ap69932-ww #ap69932-ww-icon{margin:auto;display:inline-block;width:16px;height:16px;min-width:16px;min-height:16px;cursor:pointer}#ap69932-ww #ap69932-ww-icon img{vertical-align:middle;width:16px;height:16px;min-width:16px;min-height:16px}#ap69932-ww #ap69932-ww-text-bottom{margin:5px}#ap69932-ww #ap69932-ww-text{display:none}#ap69932-ww #ap69932-ww-icon img{text-indent:-9999px;color:transparent} Ads by Money. 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Robo-advisors offer easy account setup, robust goal planning, account services, and portfolio management all at a reasonable price – start investing today by clicking on your state. HawaiiAlaskaFloridaSouth CarolinaGeorgiaAlabamaNorth CarolinaTennesseeRIRhode IslandCTConnecticutMAMassachusettsMaineNHNew HampshireVTVermontNew YorkNJNew JerseyDEDelawareMDMarylandWest VirginiaOhioMichiganArizonaNevadaUtahColoradoNew MexicoSouth DakotaIowaIndianaIllinoisMinnesotaWisconsinMissouriLouisianaVirginiaDCWashington DCIdahoCaliforniaNorth DakotaWashingtonOregonMontanaWyomingNebraskaKansasOklahomaPennsylvaniaKentuckyMississippiArkansasTexas Start Investing Today Steps to Invest a Million Dollars Start with liquid generated income. Pay off debt. Boost up your emergency fund. Give it away. Invest in real estate. Bonds, bonds, and more bonds. Consider an annuity. Look into actively managed portfolios. Track your retirement. Invest in stocks. Invest in crypto. Invest in alternative investments. Build or grow your own business. As a kid, I loved to pretend I was He-Man and that the big cardboard box in our basement was Castle Grayskull.  “I have the power!”  <<<He-man quote.  Fellas, don’t pretend like you don’t remember that! Haha… But those days of “pretend” are long gone….at least until today. Today’s post is merely for the fun of it. I’m pretending that I hit the jackpot and walked away with a cool mil. For this pretend exercise, we’ll say that I’m netting a million dollars, and I have all of it to invest.Just so we’re clear, this is not investment advice, so don’t take it as such. And just in case that isn’t clear enough, read here.  Consider yourself warned. #ap99269-ww{padding-top:20px;position:relative;text-align:center;font-size:12px;font-family:Archivo, sans-serif}#ap99269-ww #ap99269-ww-indicator{text-align:right;color:#4a4a4a}#ap99269-ww #ap99269-ww-indicator-wrapper{display:inline-flex;align-items:center;justify-content:flex-end;margin-bottom:8px}#ap99269-ww #ap99269-ww-indicator-wrapper:hover #ap99269-ww-text{display:block}#ap99269-ww #ap99269-ww-indicator-wrapper:hover #ap99269-ww-label{display:none}#ap99269-ww #ap99269-ww-text{margin:auto 3px auto auto}#ap99269-ww #ap99269-ww-label{margin-left:4px;margin-right:3px}#ap99269-ww #ap99269-ww-icon{margin:auto;display:inline-block;width:16px;height:16px;min-width:16px;min-height:16px;cursor:pointer}#ap99269-ww #ap99269-ww-icon img{vertical-align:middle;width:16px;height:16px;min-width:16px;min-height:16px}#ap99269-ww #ap99269-ww-text-bottom{margin:5px}#ap99269-ww #ap99269-ww-text{display:none}#ap99269-ww #ap99269-ww-icon img{text-indent:-9999px;color:transparent} Ads by Money. We may be compensated if you click this ad.Ad #ap99269-w-text{padding:20px 0 10px;margin:0 auto;text-align:center;font-family:”Lato”, Arial, Roboto, sans-serif}#ap99269-w-text #ap99269-w-text-title{color:#212529;font-size:20px;font-weight:700;line-height:30px}#ap99269-w-text #ap99269-w-text-subtitle{color:#9b9b9b;font-size:16px;font-style:italic;line-height:24px}#ap99269-w-text #ap99269-w-disclosure{color:#9b9b9b;margin-top:10px;font-size:12px}#ap99269-w-text #ap99269-w-text-btn{margin-top:25px;padding:9px 13px;display:inline-block;color:#fff;font-size:16px;line-height:20px;text-decoration:none;background-color:#1261c9;border-radius:2px}#ap99269-w-text #ap99269-w-text-btn:hover{color:#fff;background-color:#508fc9} Online Financial Advisors are ready to provide you with quality economic planning and investment management. Have your finances undergone a big change? An advisor can put crucial information within your reach for better financial health. Click below today! Get Started How Would I Invest a Million Bucks? First off, a million dollars is a lot of money, and investment decisions should only be made after taking a holistic look at your financial situation and goals. I also believe very strongly that a financial professional is worth the investment since they can help guide you on your path. That said, it’s also important to note the many differences between being rich and being wealthy. For example, a lot of people earn a million dollars each year or every few years, but they spend it all trying to keep up with the Joneses. As I move through this pretend exercise, keep in mind that I’m acting as if I have $1 million in cash sitting around to invest. I’ll also try to walk you through it as if you won the money, too.  At least in the beginning.  After the first couple of steps, then it’s all me. Let’s begin… Hello Mr. Check! The big day arrives, and you finally receive your check — a big, fat $1,000,000.  You drool over the zeros and the commas.  You’ve never seen a bigger check in your entire life. You take a second to breathe it in.  You want to whisper nice things to the check, like, “Oh, check, you’re so amazing”.  Don’t worry, no one’s watching.  I would probably do it, too. 🙂 Did you know you might be able to actually retire with $1 million? While it’s better if you have some time to invest the money instead of using it for retirement, retiring with this much is a reality for many people. Take a few minutes to read my case study right here: [Case Study] Can You Retire Early with Only 1 Million Dollars? Even after you read that though, you may wonder if $1 million dollars is really enough to retire on. After all, the people in that case study actually had other assets in their favor. You may be wondering if you can actually retire with $2 million dollars! Well, I wrote that case study too. Check it out on Forbes: Can You Retire With $2 Million? After reading through these case studies, you’ll understand why it’s so important to make sure you invest the money to keep up with inflation – especially if you’re a long way from retirement. You’ll also want to learn about some strategies to lower your risk . . . more on that in a little bit. So, what’s the first step? Investing with a Plan According to a Global Wealth Report from Credit Suisse, around 8% of American adults had enough assets to be considered millionaires at last count. That’s around

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Dogecoin Price Prediction: Will DOGE Hit 10 Cents?

[ad_1] This is a question that many investors are asking as cryptocurrency continues to gain popularity. While there is no simple answer, there are a few factors to consider that could help you make a prediction. What is Dogecoin? Dogecoin (DOGE-USD) is a cryptocurrency that was created in 2013 as a way to satirize the Bitcoin craze. It is often called the “joke currency” because it was originally started as a prank. However, Dogecoin has since gained a large following and has become a legitimate cryptocurrency with a market capitalization of over $600 million. The “DOGEARMY” is a group of Dogecoin enthusiasts who are very active on social media and often promote the currency. Thanks to their efforts, Dogecoin has become one of the most popular cryptocurrencies. Where Can you Buy Dogecoin? Dogecoin can be bought on a variety of cryptocurrency exchanges such as Binance, Kraken, and Robinhood. It can also be bought with fiat currency on several exchanges including Changelly and Shapeshift. Price History of DogeCoin Dogecoin has seen a lot of volatility in its price history. When it first launched in 2013, one Dogecoin was worth $0.00026. In January of 2018, the price of Dogecoin surged to $0.017 after reaching a market capitalization of $2 billion. Dogecoin’s all time high price was $0.018 in January of 2018 with it’s most recent low being $0.0027 in March of 2020. Here’s a look at the price of Dogecoin dating back to 2014 to present day: Elon Musk and Dogegoin Dogecoin has gained a lot of attention due to tweets from Tesla CEO Elon Musk. Musk, given the ultimate title of “Dogefather”, has been a vocal supporter of Dogecoin, even calling it his “favorite cryptocurrency” at one time. On his first Saturday Night Live appearance, Musk joked that Dogecoin might be the future currency of Earth. This sent the price of Dogecoin soaring 10% in a matter of minutes. Musk has also allowed Tesla customers to pay for their cars with Dogecoin (according to their website you would need to set up a proper dogecoin crypto wallet). You can also purchase Tesla merchandise and they began rolling out accepting dogecoin as payment at a select few of their Super Charging stations. During the recent crypto winter Musk hadn’t been as vocal in supporting Doge, but he did recently share this tweet: I will keep supporting Dogecoin — Elon Musk (@elonmusk) June 19, 2022 While Elon Musk’s tweets have helped to increase the price of Dogecoin in the past, it is important to remember that he is not affiliated with the company and his tweets should not be taken as financial advice. Will Dogecoin hit $0.10? Dogecoin has already hit that elusive price of $0.10 so the bigger question is: “Will dogecoin hit $0.10 again?” This is a difficult question to answer. Dogecoin has a lot of potential due to its large and active community, as well as the endorsement from Elon Musk. Here are the key factors whether Dogecoin will hit $0.10 again: Increased mainstream adoption of cryptocurrency More businesses accepting Dogecoin as payment Continued support from Elon Musk (and other Improved infrastructure for buying and selling Dogecoin If these factors continue to develop positively, there is a good chance that Dogecoin will reach $0.10 However, it is important to remember that the price of cryptocurrencies is very volatile and anything could happen in the future. Only time will tell if Dogecoin will hit $0.10 or not. Dogecoin Price Predictions I knew there were other Doge enthusiasts that had their opinion on its future price and I wanted to hear their take. Matt Wallace, a crypto content creator with over 245k subs in his Youtube channel has been a huge Dogecoin supporter through the years. I hit him up on Twitter to see if he thought Dogecoin to hit 10 cents again. @MattWallace888 Think #Doge hit will $.10 again? — Jeff Rose, CFP® (@jjeffrose) August 8, 2022 This was his optimistic view provided that Space X delivered on its promise. Dogecoin to $.10 easy! 🙂 $1 by end of the year very probably if moon landing goes through — Matt Wallace (@MattWallace888) August 9, 2022 The original creator of Dogecoin, Shibetoshi Nakamoto,sStill follows the project closely and recently tweeted at how the meme coin has been stuck at its current level for quite some time. doge is having a hard time breaking from its meme home at $0.069420 — Shibetoshi Nakamoto (@BillyM2k) August 10, 2022 Glauber Contessoto, known as the “SlumDOGE Millionaire” went all in on the meme coin investing $250,000 which eventually exploded into over $1 million (at least on paper) is still highly bullish on Doge, Tweeting this: #Dogecoin forever. — SlumDOGE Millionaire (@ProTheDoge) August 10, 2022 Dogecoin Future Price – Bottom Line The bottom line is that predicting the future price of Dogecoin is a difficult task. However, there are a number of factors that suggest that the price could reach $0.10 again in the future. Only time will tell what the future holds for Dogecoin. What are your thoughts? Will Dogecoin hit $0.10 again? Let us know in the comments! The post Dogecoin Price Prediction: Will DOGE Hit 10 Cents? appeared first on Good Financial Cents®. [ad_2] Source link

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