Good food, good company, good advice from Grandma

6 Top Tips for Investing in Real Estate

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Real estate can be a great way to invest your money and grow a portfolio. Although the initial costs are high, the risks are relatively low and you are likely to make a fortune as long as you know how. As with any industry, there are many ups and downs to investing in real estate. There are many regulations to follow, market trends to look out for and responsibilities to take on. It is important you conduct thorough research when embarking on this new journey, or even consider hiring a consultant like Jason Cohen, to ensure you increase your chances of a successful purchase. In the meantime, here are 6 top tips for investing in real estate.

6 top tips for investing in real estate
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Set a long term goal

Are you looking to make one investment or several? Are you looking to scale your real estate investments to create a sustainable income, or is this just a hobby? Make sure you have a clear idea of what your intentions are. This is more important if you are looking to scale your projects so you can incorporate budgets and timelines to work towards. A plan drives things forward so you can grow your portfolio more efficiently.

New neighborhoods

Keep your eyes peeled for any new and emerging neighborhoods. These are a great investment to start with, as they usually offer a great return on profits, tax incentives, and growth potential.

 Expand your location

You don’t have to limit yourself to your neighborhood. For a successful portfolio, it is important to expand your location and diversify your investments. By doing so, you increase your chances of profitability, as well as protect yourself against local volatility.

Research first

Whether you decide to stay in your city or try new locations, it is important to conduct thorough research of the market. This includes housing trends, average rent, income, crime rates, unemployment rate, interest rates, etc. There are some things you just cannot predict, but you can at least learn about the locations you are considering, to ensure they are worthwhile investments.

Have a safety net

It is essential when investing in real estate to set aside a budget and more. There are many factors that you cannot control, and even the smallest issues can manifest into something bigger. For example, a leaky pipe could turn into a pipe and wall replacement. A budget provides you with a safety net for the costs you can predict, and the ones you wouldn’t ever foresee.

Stay on top of maintenance

When you finally have real estate you are responsible for, one of the best money-saving tips is to stay on top of maintenance to ensure issues do not turn into long-term, costly problems. Even if no problems are reported by your tenants, consider scheduling a regular inspection, at least twice a year, to ensure nothing has been damaged.

Using these 6 top tips for investing in real estate, taking time to research your real estate, staying within your budgets, and diversifying your investments, real estate can be a great business to grow.

Snack Globally: 9 Types of Dumplings Around the World

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Did you know that there are over 3,814 distinct cultures in the world? Within each culture, they have their own practices and food.

What’s interesting to note is no matter where you look, almost every location has its own version of the dumpling. Considering that all you need is a doughy wrapper and some scrumptious fillings, it’s no surprise why practically all ethnicities have their own unique treat.

Have we got you thinking about the types of dumplings around the world? Then you’ll want to keep reading! Below, we’ll discuss 9 that’ll tantalize your tastebuds.

  1. Jiaozi

Let’s start off with the dumpling most people should recognize. This is also known as the potsticker, or gyoza in Japanese.

These are made with thin dough wrappers and filling that consists of ground meat, veggies, soy sauce, and ginger.

You can boil them to eat them as normal dumplings. Or you can pan-fry them to make them into potstickers/gyoza.

Either way, you can either eat them plain, in clear broth (when boiled), or dip them in soy sauce.

  1. Xiao Long Bao

Xiao long bao is another type of Chinese dumpling. However, it looks completely different from the jiaozi.

While the jiaozi looks almost like a crescent moon, the xiao long bao is pleated towards the middle so it almost looks like a giant Hershey’s Kiss. However, the wrapper and fillings are quite similar.

The main difference is that you steam this type of dumpling. You can either make them fresh or steam them from frozen, such as those from The XCJ. And like with the jiaozi, you can eat them plain or dress them up a little with soy sauce.

  1. Siu Mai

If you’ve been to dim sum before, then you’ve probably had this type of Chinese dumpling before.

Just like with the xiao long bao, it doesn’t have the same shape as the jiaozi. It has a squat cylindrical shape, and what’s unique about it is that the wrapper doesn’t go all the way around it. Instead, it covers everything but the top bit.

Inside, it’s filled with ground pork, chicken, or shrimp. You’ll also find shredded carrots, scallions, and bean sprouts. And often, it’s topped with some beautiful roe.

  1. Quenelles

Let’s now move over to Europe and take a look at French dumplings. It used to be considered a garnish, but today, it’s eaten as its own meal.

Quenelles are a bit bigger than their Chinese counterparts. The outside consists of eggs, flour, cream, and breadcrumbs. Then, it’s stuffed with ground meat, vegetables, poultry, or fish.

They’re then poached in water; or if you want more flavor, you can poach them in stock.

The original quenelle was made with pike and is served with a crayfish sauce.

  1. Pennsylvania Dutch Dumplings

Now, let’s look in our own backyard. Pennsylvania Dutch dumplings come from the Amish, who are of German descent. So technically, this type of dumpling comes from Germany.

This type of dumpling is a bit different because there’s actually nothing wrapped into the dough. Instead, everything’s mixed together and formed into a ball.

There are several different types of Pennsylvania Dutch dumplings: potato and liver for savory, and apple and peach for sweet.

For the savory dumplings, you’ll need eggs, sliced bread (or breadcrumbs), onions, and flour for the liver dumplings. Like with the quenelle, after all the ingredients are mixed together, you’d roll the dough into balls and boil them until done.

The sweet dumplings are made in a similar fashion but with milk too.

  1. Empanadas

Let’s now move south of the border to Mexico. Mexican dumplings are also a bit bigger than their Chinese counterparts.

On the outside, you have dough, which envelops chicken, beef, pork, fish, or cheese. You’ll often also find carrots, potatoes, and/or corn inside.

Once you’ve wrapped the empanadas, they’re then brushed with an egg wash and baked until golden brown.

  1. Samosas

Now, let’s take a look at the Indian dumpling! This delicious dumpling is a deep-fried treat, which explains why it’s so addicting.

It’s shaped in a triangle with a crispy wrapper. And inside, you’ll find a spicy filling with peas. Usually, it’s chicken or lamb, but there’s also the vegetarian option of potato.

Whichever one you choose, either eat it on its own or dip it in ketchup or mint chutney.

  1. Tortellini

Wait a second: isn’t tortellini a type of pasta? Well, it technically is, but then again, it also fulfills the requirements for being a dumpling.

You have a thin pasta wrapper, and inside, you’ve got a tasty filling that consists of various things, such as meat, cheese, mushrooms, spinach, or even seafood.

Once the tortellini are wrapped up, you boil them until they’re done. You can then eat them on their own, put some pasta sauce and cheese on top, or even put them in a broth to sip on.

  1. Khinkali

Khinkali come from Georgia, and no, not the state; the country! These dumplings are actually very similar in size and shape to the xiao long bao.

Inside, you’ll find ground meat that’s been perked up with plenty of spices and herbs, as well as garlic and onion. They’re then boiled until done and served with freshly ground black pepper.

Try These Types of Dumplings Around the World

Now that you’ve learned all about the types of dumplings around the world, which one appeals to you most?

Take this newfound knowledge and embark on a culinary adventure. While so many cultures have made wrappers and stuffed them with tasty fillings, each one is so unique that it’s worth it to try them all!

For more about food, make sure you check out the rest of our blog now! You might want to try Southern Chicken and Dumplings from my mother’s recipe.

 

Making The Most Of Your Retirement

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Life can go pretty quickly. We find ourselves in routines, leading day to day existences filled largely with work, childcare responsibilities and paying off financial commitments such as mortgages and cars. But eventually, we reach a point where we no longer need to work, our children have long grown up and left home and we’ve completed payments on all the things we’ve agreed to. This is our retirement, and it’s pretty easy to feel a little lost as to what to do when your days are no longer filled with the things they used to be. But not to worry. There are countless things you can do to make the most of these golden years. Here are a few areas to take into consideration. Some could be appropriate for you and massively improve your day to day existence!

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Consider Where You’d Like to Live

Most of us will have lived in the same place for a while now. If you’ve had a family, chances are, you kept them in the same house for years in a bid to maintain stability. Out of habit, you might have stayed in this house. If you have family nearby, or have had children who have flown the nest and moved into the local area, you may want to stay local. But if not, you may want to consider something further afield. As we grow older, our needs also change, making certain properties no longer suitable for us and our routines. Here are a few alternatives you might want to try out if you are thinking of moving home.

A Bungalow

Stairs can become difficult as we grow older. They’re quite the task, especially if you have health conditions such as arthritis or conditions that affect your balance and strength. Of course, stair lifts are always an option. But you may find it easier to move into a bungalow. Bungalows have the whole house spread across one floor, making every room easily accessible. Bungalows are often built in communities and, seeing as they are preferred by the elderly, when you move into one, you could find yourself in a community of similarly aged individuals who share interests and values with you.

Assisted Living

If you requite a little help with day to day activities, such as cleaning, cooking or even getting dressed, you may find that assisted living works well for you. Now, there are plenty of options when it comes to assisted living, and you may be able to find help that will come to your existing home. But another great option is an assisted living facility that allows for supported independent living. This will allow you to lead your own day to day life as you wish, but there will be constant help and support at hand should you need it. Whether that’s with administering medication, making the bed in the morning or cooking up meals in the evenings.

Living Abroad

 Many people choose to retire abroad. The call of sun, sea and sand is tempting for those who want to lead a more laid back and relaxed lifestyle. There are countless communities of retirees overseas, largely in countries such as Spain. So, if this sounds good to you, why not start house hunting, visiting different areas you’re interested in and picking up the basics of the local language. This can all get you off to a great start!

Consider How You’d Like to Spend Your Time

When you find yourself with more time on your hands, you may begin to feel lonesome or bored. But don’t worry. There are countless activities out there that you can pick up to occupy your time and feed your individual interests. Here are some popular options that you might want to look into.

Baking

Baking is something that you can easily carry out from the comfort of your own home. It doesn’t require too much exertion and there are plenty of tools and machines available to make more physically demanding parts of the process more accessible, such as stand mixers and electric whisks. Baking is a great hobby to get into because not only is it enjoyable to engage with, but you get a delicious treat at the end! Now, we’re not all going to start off as master bakers. But this is where the old saying – practice makes perfect – comes in useful. Invest in some of the baking basics and some key ingredients and you should be off to a good start! There are plenty of recipe books out there, or you may even be able to find free recipes online to try out. Eventually, you’ll find a niche that you particularly enjoy. Whether that’s cakes, bread, pastries or anything else.

Gardening

Gardening is a deeply relaxing and deeply rewarding activity to get involved in. You don’t need much land, or you could even keep an indoor herb garden and potted plants. It feels great seeing things you’ve planted grow successfully! On top of this, gardening is surprisingly good for your health. When you garden, you can expect:

  • Exercise – believe it or not, gardening burns calories. It’s a moderate intensity form of exercise and it’s thought that one hour’s worth of gardening and light gardening work will burn roughly 330 calories. Other activities involved in gardening, such as raking leaves, digging up weeds, digging flower beds and more can build your strength and stamina.
  • Increased Vitamin D – we all need vitamin D to be healthy and most people get their vitamin D by spending time outdoors. It can tempting to stay inside instead of heading out, but when you have a garden to tend to, you’re likely to spend more and more time outside!
  • Reduced Blood Pressure – if you have high blood pressure, gardening can surprisingly help to lower it. The moderate levels of activity required and the stress busting nature of the activity can really help!
  • Improved Grip – many of us begin to have difficulties with our grip as we grow older. Whether this is due to issues such as arthritis, or simply ageing. Gardening is a hobby that can help to encourage movement of the hands – through trimming and pruning – helping to keep these parts of your body mobile.

Keeping In Touch with Loved Ones

Many of us lament that we fall out of touch with our nearest and dearest as we grow older. But now, more than ever, it’s growing increasingly easy to keep in touch with those you want to. This doesn’t have to be difficult. There are more traditional ways of keeping in touch still available, such as sending letters or calling on the phone. But it is good to get to grips with technology to keep in touch with younger members of the family or other friends, such as friends who are overseas. Online messaging and video calls are often completely free and allow you to keep in touch by sending instant messages back and forth. Video calls also allow you to actually see the person you’re talking to. This has been particularly useful for many of us during the pandemic, where nobody has really been able to see their nearest and dearest on a face to face basis.

Of course, there are other things that you might want to consider changing or trying out as you grow older. But some of the steps above can help you to enjoy your retirement to the absolute fullest! Hopefully, some of the advice will come in useful for you!

3 Concerns Parents Must Address About Their Child’s Safety

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As a parent, it’s natural to worry about your children. There are so many dangers in the world that it can give you a lot of sleepless nights. Here are some of the concerns parents must address about their child’s safety, and ways that you can tackle them head on.

concerns parents must address about their childs safety
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Online Stranger Danger

Tech is now an unavoidable part of everyday life. It factors into work and social lifestyles in countless different ways. Kids start using tech when they are still young. If you are worried about your children using tech, then you need to make sure that you are educating them about the dangers. Education can be your best line of defense here because that way children will be able to recognize that they are communicating with someone online who isn’t safe. This means that they won’t give out personal information in places like game lobbies and they will get the additional level of protection that you want them to have. Be aware that some games online are more dangerous than others. For instance, Among Us has recently been targeted by criminals.

COVID-19

You might think that the danger of COVID-19 is now behind us but this isn’t quite true. Indeed, it’s clear that with new variants emerging all the time the threat is still here, even with vaccines available on the market. If you are worried about COVID-19 then you need to think about where your child is going to be at risk. The good news is that children seem to be far more resilient to the virus compared to adults and the elderly. However, there is certainly still reason to be concerned. One of the biggest threats is all but certainly the school environment. Parents and teachers are rightfully worried that schools could become a breeding ground for COVID. Lawyers such as Naomi Soldon are even working to help unions ensure teachers can continue to work remotely and keep kids at home. This might be something parents are interested in.

Bullying

Finally, it’s important to address the issue of bullying. Unfortunately, it does seem as though bullying is far more common for kids than most people realize. Indeed, one poll found that 75% of students have reported being bullied at some point before the age of 18. Bullying can lead to serious ramifications and there are reports which suggest that bullying can continue to impact children even once they reach adulthood.

One of the ways that you can deal with bullying is by ensuring that children feel as though they can come to you if they have an issue like this. They need to feel like they can talk honestly with you about problems that they are facing inside and outside of school.

We hope this helps you understand some of the concerns that parents have about their child’s safety right now. By addressing these issues, you can guarantee that you do get the peace of mind that you need and you won’t be constantly worried that your child is in danger, facing risks in the world that you are not prepared for.

Tips For Feeling Great–Always!

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Staying healthy isn’t always easy in this stressful age. There are so many demands from work and family. Even if your own children have grown up, you will probably be involved in looking after your grandkids. It’s great to have such a busy life, and spending time with family is one of life’s pleasures, but it can take its toll on your health. Sometimes it’s hard to find the time to give your own health the attention it deserves. Use these tips for feeling great–always!

tips for staying healthy
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At the top of every doctor’s list of ways to feel healthier is to improve your diet. You probably know that you should hold back on junk food and focus on fresh fruit, vegetables, lean protein, and plenty of hydrating water. Sometimes everyone goes off track with their diet, though. If you have to follow a special diet, gluten-free, for example, then everything life throws at you makes it tough to manage. The lack of nutrients can make you feel low and leave your immune system weaker, less able to protect you from the colds and flu bugs that are all around. They may not be life-threatening, but they mess up plans for work or seeing friends and family.

A speedy way to improve your immune system during flu season is through intravenous therapy. Reset IV can send a registered nurse to your home to deliver a super-hydrating cocktail of vitamins and other good stuff into your arm while you relax. You can choose a treatment to boost your immune system to protect you from the colds or flu that are affecting all your friends and family. If you already have the sniffles, a treatment can help you get back on your feet much quicker. You could even find a therapy session helpful if you go overboard at a weekend party and then have to be a bright-eyed and willing co-worker the next day!

IV therapy is not a substitute for a healthy lifestyle, but it can help you to get over a bump in the road! You can’t give up on making regular healthy lifestyle choices altogether, and it is vital to keep exercising at every age.  Exercise isn’t just great for your heart and strength but your mind and emotions with all those endorphins racing around! It doesn’t have to be a marathon. A daily walk has many benefits including improved mood, lower blood pressure, and better sleep. Swimming is excellent for your heart health too.  It’s easy on arthritic joints as the water holds your weight. As you get older, though, you should introduce a little strength training into your day. Lifting all those grocery bags is excellent exercise, but how about using a tin of beans as a makeshift weight and doing some repeated bicep curls?

All in all, it is essential to keep active and to eat healthy so that you can get the most out of life. You only get out what you put in!

 

Smart Ways To Tackle Big Money Problems

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Money makes the world go around, so when you’re having problems with money, it can cause big issues in your life. Worrying about money affects you in lots of different ways, making it difficult to give your full focus to other parts of your life. When you’re having problems with money, you can’t ignore them and hope that they go away. Confronting them head-on is the best thing to do if you want to avoid them getting worse. If you have difficulty tackling money issues, here are some smart ways to tackle big money problems.

Get On Top of Debt

Debt is the largest financial issue for a lot of people. If you struggle to repay debts, it can cause problems not just now but in the future too. While you might hope for it all to go away, ignoring the issue isn’t going to help you. Instead, you need to get on top of the problem as soon as you can. Getting professional advice from someone like Wyolaw Law Firm or a debt advisor is a good idea. You can ensure you receive professional help and understand what options are available to you. There are different ways to tackle debt, so you can find a method suited to you.

ways to tackle big money problems
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Rein in Your Spending

Spending too much can get you into big trouble, but it’s not always immediately obvious how you can spend less. Even if you know why you’re spending too much, changing your spending habits can take time. If you already have a budget, there are lots of techniques that you can use to stick to it. For example, challenge yourself to save up for a large purchase, instead of buying it straight away, especially if it gets you into debt. If you tend to make impulse purchases, write down what you want instead of buying it right away, then come back to it a few weeks later to see if you still like it.

Revamp Your Credit Score

You depend on having a healthy credit history for multiple things, from renting a home to getting a credit card or applying for a mortgage. If your credit score isn’t very good, it can have a significant impact on your life. Fortunately, there are ways to improve your credit score. Firstly, dealing with any debt is important. It’s also a good idea to check your credit report to make sure that there are no mistakes. If you do identify anything that you think is a mistake, you should report it to the credit bureau. You can improve your credit score by building a good record of making payments on time too.

Become More Financially Literate

People often get into money trouble because they don’t really know how to manage their money. Financial literacy is an important skill, but it’s, unfortunately, one that a lot of people lack. Educating yourself on personal finances and how to manage your money will help you to continue improving your financial situation.

Don’t let problems with money rule your life. Address them as soon as you can to get in a better position.

Aging Parents: Deciding On The Best Place For Their Golden Years

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It’s becoming more common that moms and dads currently raising children come face to face with an additional situation, how to best care for their aging parents. There are several options at your disposal. Before making a final decision, weigh the benefits of each against the immediate needs of your parents. Deciding on the best place for your parents golden years is a huge decision. Here are some ideas to check on before you decide. 

A Nursing Home

Throughout your life and until recently, your parents were probably the ones who took care of you. They were there in your early days molding you into the independent and healthy adult you are now. However, over the last few years their health might have started deteriorating and you now worry constantly about their well-being.

Unlike a decade ago where nursing homes got their poor reputation because of overcrowding and subpar conditions, today they can offer a safe place for adults ill-equipped to handle life independently. Most facilities have a staff comprising skilled doctors and nurses. The environment is clean and has the resources to provide excellent around-the-clock care.  A great way of ensuring your parents will end up somewhere safe and remain content is by using a senior living referral agency. They have the knowledge to help you choose what’s ideal for your parents, and also help set up tours around the living communities to make sure your parents are happy with the arrangement.

An Assisted Living Facility

Aging parents who do not require around-the-clock care can benefit immensely from an assisted living center. There they receive the extra help they need and an extra set of eyes monitoring their daily basic needs. The added benefit of assisted living technology makes it easy for your parents to adjust. They can enjoy life among their peers and receive custodial care. Made to resemble the look of an apartment versus an institution, the environment is much more relaxed. The staff can monitor their health through wearables that alert them in the event their vital signs take a turn for the worse. They have various activities, can choose meals in a cafeteria setting, and enjoy an abundance of fresh air.

Living With You

You made a verbal commitment to your parents that you would never put them in a nursing home. So, you want to do everything possible to keep that promise. Before moving them into your home, it’s important to have a serious discussion with all members of the household.

If your parents only need minor help, moving them into your home can offer positive results for you and your loved ones. Grandparents can offer words of wisdom to young teens and you and your spouse. However, if they require daily care, you may end up overwhelmed. Doctor’s appointments, monitoring medications and bathing will consume most of your free time. Initially, you will be eager to help. However, after a few months of little or no downtime, it can take a toll on your health and relationship. You and your family need time together too. You want to tend to your garden, host parties and go on vacations.

Remaining on Their Own

Some parents want to remain in their home. It’s a place that they know and have many wonderful memories of their younger days. It provides a wealth of comfort. If your parents are simply old and their minds are sharp, remaining in their home is beneficial to their well-being. They probably aren’t as mobile as they were once, but that’s something that you can address easily. Once you make sure their home is safe by looking for trip-and-fall hazards, installing proper lighting and safety grab bars, you’ll feel a lot better about this option. Also, why not try a stair lift? 

Hiring an outside caregiver will provide help with things like meal preparation, bathing, medications, as well as weekly errands and doctor’s appointments. If they live nearby, you can check in on them a few nights after work to see how they are doing and invite them to dinner on the weekends. They will still have their independence and you’ll know they are receiving the care they require.

Your parents provided unconditional love and a safety net since the day you were born. It’s only natural to want to return the favor now that they need care. Before committing to any facility, or opting to bring them into your home, make certain that the place you decide on is the best fit for them and your family.

5 Ways To Lower Your Medical Expenses

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Sooner or later, healthcare services are essential in everyone’s life. However, medical bills can accumulate quickly. Until you reach your deductible, these bills are yours to pay out-of-pocket. If you seek medical services but later receive an outrageous bill, do not pay it immediately. Instead, call the provider and request an itemized bill. Errors can lead to the accumulation of an amount that you do not have to pay. In the itemized bill, errors to look out for include uncovered costs by your insurance, duplicate billing, charges for a service you never received, and misrepresented conditions.

A significant number of outrageous bills are due to insurance errors and pricing mistakes. As a result, most providers rely on healthcare consulting groups to work with insurance companies on their behalf. Patients can take advantage of that leverage by simply picking up the phone. However, it’s important to note, correcting errors or negotiating for a reduction can take time. Be patient and polite throughout the process.

Negotiating for a reduction

Interestingly doctors are understanding and will charge you accordingly if you truly deserve it. You can do price negotiation upfront or after the service; the latter is more recommendable. Mostly, a reduction is afforded to patients with lower incomes and who, by covering such a high amount, finances are heavily impacted.

Fortunately, you can readily get information about pricing from online sites for a similar condition. You will use this information to negotiate for a reasonable charge and remember to use negotiating skills and emotional state to your advantage.

Ask to pay in cash

Primarily, paying in cash has two benefits. A significant number of healthcare facilities offer discounts. The rates vary from one hospital to another but advantageously, you get an actual cut-off when you offer to pay cash. Additionally, you can meet your doctor in person and ask for a more generous discount. Also, paying in cash allows you to use funds in Flexible Spending Account or Health Care saving Accounts. FSA can only be used within a specific calendar year and will help reduce the medical bill without touching personal savings. HSA is also a reliable source of funds to pay in cash.

Opt for in-network medical care

Health Insurance plans have facilities and providers included in your medical coverage. The insurance will cover some of the cost when you visit them, and you will be left with the lesser part. You can pay lower rates for medical care as long as the physician maintains the contract with your insurance company. However, if you select an out-of-network physician, you will be charged the total cost for the services. In addition, you will be fully charged when you visit a facility in your network but serviced by a doctor who is out of network.

Take care of your health

Arguably, the best way of reducing medical bills is to ensure you use medical care services at the minimum. Thus, healthy eating and regular exercise are keys to good health and wellness. Additionally, visit the hospital regularly for checkups to detect a problem early enough. This will give you time to prepare and look for funds before it becomes severe. Some of the benefits you can use to know the state of your health include routine screening and prenatal care.

In conclusion, keeping track of the medical bill is vital. Whether you can afford a service or not, you must get medical attention when you need it. Luckily, you can negotiate or use the rest of the tips to reduce the costs without compromising your well-being. If the recommendations are overwhelming and tiring, you can always hire a billing advocate to help with the processes.

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