Daily Archives: August 2, 2022

How to Spend 72 Hours in the Golden Isles – Outside

Posted: August 2, 2022 at 3:04 pm

Coastal towns often get a reputation for being places for relaxation. Think: lounge chair in the golden sand and a beach read in hand. While we do love a good recovery day in the sun, the Golden Isles of Georgia offers so much outdoor recreation that wed never be able to sit still there for long. And you wont either. In fact, you may even find it hard to fit everything you want to do into just three days. So consider the 72-hour guide a suggestionmaybe more of a challengeand keep reading to see what must-do adventures youll find in the Golden Isles.

The Golden Isles is made up of four barrier islandsSt. Simons Island, Sea Island, Jekyll Island, Little St. Simons Islandand mainland Brunswick. St. Simons Island is the largest of the barrier islands and a hub for activities and events, with plenty of dining options and villages to explore. Just over a short causeway, Sea Islands two luxury resorts offer private beaches, championship golf courses, and high-end dining. Jekyll Island is known for its quiet beaches, historic homes, and quintessential Low Country vacation vibes. Accessible only by boat, the privately-owned Little St. Simons Island welcomes visitors for day tours or stays at any of six small cottages for exclusive access to the island. On the mainland in Brunswick, youll find a historic port-city atmosphere reminiscent of nearby Savannahs.

A GPS app on your phone is great for navigating among the islands, but to truly appreciate how these coastal havens and intertwining waterways connect, you have to see them from above. High Tide Aviation offers scenic flights from St. Simons Island that give you a birds-eye view of the Golden Isles in all their glory. The Jekyll Island Tour flies over neighboring Jekyll Island. Or choose the Golden Isles Passport flight, which covers all four barrier islands and coastal Brunswick.

Once youve seen the Golden Isles from above, youll be dying to get out to explore all the interconnected waterways. From boating on the Altamaha and Satilla Rivers to paddling in the nooks and crannies of marshland that come and go with the tides, there are seemingly endless ways to spend a day on the water. If you arent sure where to go, Southeast Adventure Outfitters can help. The outfitter offers guided kayak and boat tours out of both St. Simons Island and Brunswick.

Tip: Sammies, The Market, and Three Little Birds on St. Simons Island all offer grab-and-go lunches to stash in a cooler. Or if you launch out of Brunswick, try Indigo Coastal Shanty for a laidback lunch or dinner.

If a more hands-on approach to a day on the water sounds more up your alley, head out on a guided fishing trip with Hook & Knife Fishing Charters. Captain Dave offers half- and full-day inshore excursions to land speckled trout and red snapper year-round and flounder, triple tail, and tarpon seasonally. The best part: after you get back to the Hampton River Marina, Captain Dave (also a chef) will cook your catch for you at one of his three restaurants in the area.

Following a full day of fishing and a gourmet meal, youll be happy to settle in at your cozy beach bungalow. Check out Lilmar Properties for vacation rentals on St. Simons Island or stay by the shops and pier at the Village Inn & Pub.

With miles of bike paths throughout, the Golden Isles are easy to explore by bike. On Jekyll Island, rent bikes at Jekyll Island Bike Barn and pedal under the branches of live oaks down the paved paths and boardwalks that make up the more than 22-mile Jekyll Island Trail System. The bike trails take you to beaches around the island, including the famous Driftwood Beach, where weathered trees and branches decorate the shore. When you get hungry, The Wharf is the ultimate spot for a waterfront bite. Loving the laid back vibe on Jekyll Island? Plan to stay the night at Villas by the Sea (right next to Driftwood Beach) or the new beachfront Courtyard by Marriott.

While Jekyll Island is the picture-perfect place for a low-key pedal, Pedego on St. Simons Island turns it up a notch on e-bikes. Take a guided tour of the north or south side of the island midweek (available Tuesdays and Thursdays). Or rent a bike for an afternoon to explore on your own. Dont forget to stop by to say hi to the St. Simons Island Tree Spirits, an installation, by a local artist and his son, of arborist-approved tree carvings scattered around the island.

If you opt for biking on Jekyll Island, dont miss a chance to befriend coastal natives at the Georgia Sea Turtle Center, where conservation experts help to research, protect, and rehabilitate sea turtles from the southeastern Atlantic. Visitors are welcome daily from 9 a.m to 5 p.m. to learn about sea turtles and the centers work. Guests can get a more hands-on conservation experience by helping staff locate and protect nests during the time of year when sea turtles are laying eggs. You may even get lucky enough to start your day watching the little reptiles hatch and crawl to the ocean on a summertime sunrise walk with center staff.

Tip: Little St. Simons Island and Sea Island also offer sea turtle experiences to guests of either The Lodge on Little St. Simons Island and The Cloister or The Lodge at Sea Island.

Before another active day in the Golden Isles, start your morning with a little oceanside sun salutation at an East Beach Yoga class on St. Simons Island. The studio offers Tuesday- and Thursday-morning sessions on the beach during warmer months and has a full lineup of classes in the studio throughout the week. After classor before if you like a coffee to start your dayget your caffeine fix at Wake Up Coffee. This hip coffee shop is a local favorite and also has a location on the mainland in Brunswick. Or try Dulce Dough Bakery for homemade donuts and other breakfast goodies.

Although Little St. Simons Island is just across the river from St. Simons Island, the privately owned landmass is reachable only by boat. Book a day trip to explore the private beaches and spend time on a guided tour with a naturalist, wholl have a wealth of knowledge about the natural history of the island. All day-trip guests are treated to a Low Country lunch and plenty of time to relax with virtually no one else around.

Located along the 100-mile Georgia coast, the Golden Isles is made up of four barrier islandsSt. Simons Island, Sea Island, Jekyll Island, and Little St. Simons Islandand the historic port city of Brunswick. The Golden Isles is a place to escape, settle into the rhythm of the tides and go at your own pace.

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This provincial park in Ontario has a stunning boardwalk to an island – Curiocity

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Weve never met a scenic boardwalk trail we didnt like, but this one might be Ontarios best. Hardy Lake Provincial Park is one of the quieter hiking spots in the Muskoka region, with a wooden walkway to take in your surroundings.

There are no visitor facilities or amenities at Hardy Lake, according to Ontario Parks, but the fascinating geological history makes it a destination worth visiting.

The park has a rich community of Atlantic coastal plain species. These species are here because at one time, much of present day Ontario was submerged beneath numerous glacial and post-glacial lakes, writes Ontario Parks.

Related PostsYou can explore over 20 shipwrecks in Ontario this summerThis first-ever lavender festival is happening in Ontario next month

When the ancient Lake Algonquin receded, it left a remnant community of Atlantic Ocean shoreline plants behind. The park also contains an inland section of displaced Georgian Bay shoreline.

The main attraction of Hardy Lake appears about halfway through your journey, according to Ontario Hiking, where a path made of wooden planks seems to float above the water, leading you to a small rocky island.

This little island is a great spot to break for a picnic or a dip in the lake.

There are a series of boardwalk trails throughout the park, providing multiple vantage points to take in the scenery.

If youre looking for a more authentic island experience in Ontario, you can ferry over to Pelee Island, known as one of Canadas best-kept secrets, located on Lake Erie.

There are actually many islands to see throughout the province, including an island that has a natural bathtub you can soak in under the sun.

And if you really want to go off-grid, there are all kinds of gorgeous private islands you can rent for a weekend on Ontarios lakes and bays.

Dont let summer pass you by without seeing the incredible sights right in your own backyard!

Where: Highway 169, Torrance, Ontario (19 km west of Gravenhurst)

With a curated slate of what matters in your city, Curiocity presents you with the most relevant local food, experiences, news, deals, and adventures. We help you get the most out of your city and focus on the easy-to-miss details so that youre always in the know.

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Maldives Is Turning Waste to Wealth, Energizing Youth, to Safeguard its Future – World Bank Group

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Fighting and Befriending Waste: How Its Done

Develop waste management facilities: Several development partners, including the World Bank, have been supporting investments in the Maldives to develop inhabited island waste and resource management centers and regional waste processing facilities such as the Vandhoo Regional Facility in the north, to manage its waste in a more efficient and environmentally friendly manner. The government has pivoted recently to introduce more decentralized atoll-level waste management strategies that will help strengthen coordination and efficiencies at the local levels and increase local processing of waste to reduce reliance on central facilities, thereby also saving transportation costs.Strengthen national policy: Starting June 1, 2022, the government banned the production, import, and consumption of a first group of single-use plastics. This policy has been informed by a series of World Bank-funded pilot initiatives conducted in conjunction with local NGOs to increase awareness of marine litter and incentivize citizens to use alternatives to single-use plastics.

Citizens are overall optimistic about this policy. Noted Maldivian environmental activist Shaahina Ali says, For me, this first step of phasing out plastics from the Maldives, although a very small one, is a very bold and positive one. Ali works for Parley for the Oceans, also a World Bank partner that has helped organized numerous beach cleanups and awareness-raising events with school children and adults. Ali exclaims with characteristic passion, I go there to clean up with hopehope that my grandchildren will see whales in the ocean in their lifetime as I did growing up.

Source segregation of waste: While investing in waste management facilities and banning single-use plastics are important, the segregation of waste at sourcenow required by lawis this archipelagos highest priority waste management solution. If there is any silver-bullet approach to focus on, this is the one. Segregation and pre-processing of individual waste streams at source help reduce the amount of residual trash that requires transportation at high cost. It also increases the materials that can be recycled and re-used.

World Bank PROBLUE-funded pilot initiatives led by the Maldives Arts and Crafts Society (MACCS), Parley for the Oceans, and another local NGO, Zero Waste Maldives, promoted household kitchen gardening and composting training across all atolls to stimulate source separation of waste. The workshops were community based and have inspired passion and a sense of unity from participants:

Lets show public spaces as pleasant places for visitors.

No one else is going to come to clean our island. It is up to us to keep it clean.

Developing new business models: The NGOs are also actively promoting the re-use and recycling of waste, creating building blocks for behavior change and business models for the community. MACCS brought local women together to make reusable bags from used garments, and subsequently incentivize local businesses to replace plastic bags with cloth ones and reward customers who use them repeatedly. Also, since women play a significant role in the waste management hierarchy in the Maldivesthey oversee household shopping and waste disposalengaging, informing, and empowering women on waste management can bring solutions and major shift in attitudes on the islands.

The good news is that the potential to use waste for more productive purposes is largely untapped, so there is tremendous room for improvement, forward thinking, and innovation in the waste to wealth management approach in the Maldives, explains Karin Shepardson, World Bank Task Team Leader for MCEP.

Forge public-private partnerships: For a nation known for its one island, one resort concept, public-private partnerships with resorts located within the same atoll and sharing the same protected waters, is key to the success of sustainable waste management. The Maldives has experienced resounding success with the Namoona Baa initiative launched by the Maldivian resort, Soneva Fushi, in partnership with a group of 11 neighboring Islands to pledge to end the open burning of island waste and shift towards eco-friendly waste management. In December 2021 alone, of the more than 4,700 compressed packages of waste from these islands weighing 63,000 kilograms, an impressive 87 percent was treatable waste that could either be handled on the island itself by composting organic waste or transported elsewhere for recycling.

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The best summer daycation deals in Dubai and Abu Dhabi – The National

Posted: at 3:04 pm

Were deep into summer and hotels across the country have plenty of daycation deals for those looking to relax poolside, beachside or in a hotel day room, perhaps.

Whether you're in the capital or keen to soak up some Dubai sunshine, this round-up details what's on offer.

Additionally, if you want to turn those days into nights, check out our guide to the season's best hotel stays.

Get your entire entry fee back in credit to spend at W Abu Dhabi Yas Island this summer. Photo: Reem Mohammed

Known for its rooftop pool with amazing views over the island, W Abu Dhabi Yas Island's daily Daydream at Wet Deck package is perfect for whiling away summer days. As well as being able to dip into the temperature-controlled swimming pool, youll get sun lounger access at Wet Deck and your Dh150 entry fee back to spend on food and beverages.

Monday-Saturday, Dh150; http://www.wabudhabidining.com

Emirates Palace has its own private shoreline plus two swimming pools to enjoy. Photo: DCT Abu Dhabi

Want to spend a long summer day at one of the most regal hotels in Abu Dhabi? The Emirates Palace Beach Club has its own 1.3 kilometres of private shoreline plus two swimming pools, one with a lazy river thats ideal for chilled-out summer days. Even better, you can beat the heat with 10-hour access to your own deluxe garden terrace room, ideal for a post-swim nap, a spot of lunch or a place to escape to the shade between sunbathing sessions. Youll also get half your fee back to spend in resort credit.

Daily, Dh600 per adult, Dh300 for children under 12; http://www.mandarinoriental.com

The WB Abu Dhabi has a huge pool, complete with a dive-in movie theatre. Photo: Hilton

The first Warner Bros hotel in the Middle East is open this summer for day visits alongside all your favourite film and TV characters. Relax at the family-friendly pool, where theres a splash zone and dive-in movie screen for children to enjoy, and get access to the hotels first-class gym, to help keep your fitness goals on track. Children can also head to the Kids' Club for daily entertainment and youll receive credit to spend on dining experiences at any of the hotels restaurants.

Daily, Dh250 per adult or Dh500 for a family of four on weekends, Dh150 per adult or Dh300 for family passes on weekdays; reservations via spa.thewbabudhabi@hilton.com; http://www.hilton.com

Fairmont Bab Al Bahr offers poolside lounging and Khor Al Maqta views. Photo: DCT Abu Dhabi

For five-star service coupled with amazing views, head to Fairmont Bab Al Bahr where youll get a comfy sunbed plus Dh100 resort credit per person to spend during your visit. Even better, children under 12 enter free of charge so you can bring the whole family along.

Daily, Dh149 on weekdays, Dh199 on weekends; http://www.fairmont.com

Anantara Eastern Mangroves has launched a summer daycation offer. Photo: Anantara

Nestled by Abu Dhabis natural waterways, Anantara Eastern Mangroves offers a poolside daycation with a difference. As well as being able to dip into the chilled infinity pool and lounge on luxury sunbeds, youll also get to enjoy views of the mangroves and take part in some leisurely bird spotting with several species calling this stretch of land home. Day guests also get their entire entry fee back to spend on food and drinks.

Daily, Dh150 per adult; reservations via emlifestyle@anantara.com; anantara.com

Shangri-La is giving guests credit back to spend in the resort this summer. Photo: Shangri-La Qaryat, Al Beri

With a one kilometre-long private beach and lush gardens, Shangri-La Qaryat, Al Beri comes with views of the Khor Al Maqta creek and Sheikh Zayed Grand Mosque. This summer you can bring the whole family to spend the day at the hotels infinity pool. There are two options to choose from, depending how much credit you want back to spend on food and beverage at the resort, and best of all children under 6 swim for free.

Daily, Dh195 (with Dh170 credit), Dh295 (with Dh250 credit), http://www.shangrila.com

Daycation with Ain Dubai views at Neptune Pool and Bar. Photo: Caesars Palace at Bluewaters Island

The Neptune Pool and Bar at Caesars Palace at Bluewaters Dubai comes with views of Ain Dubai, comfortable sun loungers, a private beach and all-day access to the sprawling swimming pool. As you relax, peruse the food and beverage menu as youll have your full entry fee back to spend on eats and drinks.

Daily, Dh280 weekdays, Dh380 on weekends; http://www.caesars.com

Make like an A-lister this summer and head to a private island for a day of beachside lounging, ocean breezes and excellent food and drinks. Anantara World Islands Dubai Resort is the first to have opened at the ambitious project off the coast and is welcoming day guests. Enjoy 360-degree views of the city and the ocean, before unwinding in the palm tree-surrounded infinity pool.

Its not the cheapest daycation package, but this is a private island were talking about and your fee includes speedboat transfers plus Dh350 in credit to spend on spa treatments or dining. Children can enter for half-price and enjoy unlimited dining and drinks throughout their visit.

Daily, Dh750 for adults, Dh325 for children aged 5-11, free for children under 5; http://www.anatrara.com

Spend a summer day lounging in the heart of the DIFC. Photo: Four Seasons

If a day lounging in the heart of the Dubai International Financial Centre appeals, then Four Seasons is the place to go to. Head straight to the rooftop for sun-seeking sessions with a view, or get comfortable beside the hotels glass-walled pool surrounded by some of the city's most-loved skyscrapers. And, technically, it wont cost you a dirham, as youll get your full entry fee back to spend on the poolside menu.

Daily, Dh300; http://www.fourseasons.com

Grab your friends for a luxury daycation at the world's highest infinity swimming pool in Dubai. Photo: Zeta Seventy Seven

For the ultimate Dubai-style pool day, and plenty of bragging rights on the 'Gram, gather six friends and head to Zeta Seventy Seven, at the Address Beach Resort. The highest outdoor infinity pool in the world, as verified by Guinness World Records, welcomes guests over the age of 21 to take a dip nearly 300 metres above the city. As well as having access to this sweet spot with awe-inspiring vistas, youll also get a fully air-conditioned cabana complete with a TV, Bluetooth speakers, a coffee machine and a private bathroom and shower. Food and signature beverages are also part of the deal, so get ready to settle in for the duration.

Daily, Dh7,777 for up to seven people; http://www.addresshotels.com

The Centara Mirage Beach Resort in Dubai has a family daycation deal including lunch and a hotel room. Photo: Centara

Families should make a beeline for the Centara Mirage Beach Resort Dubai this summer where daycation passes are available until the end of September. Get access to the hotels expansive swimming pools and water parks including the lazy river, water slides and cliff jumping points. Theres also a rope climbing course for budding adventurers. Adults can unwind by the pool while children head to the Camp Safari Kids' Club, while teenagers can enjoy the Ezone. Lunch is included, served at Thai restaurant Suan Bua, and youll also have access to a superior room for post-swim naps and showers.

Weekdays only, Dh350 excluding taxes for two adults and two children, additional guests from Dh100 per person; http://www.centarahotelsresorts.com

All-inclusive staycations are popular, but why not give an all-inclusive daycation a try? Rixos The Palm Hotel and Suites is offering exactly that this summer with visitors having access to the resorts temperature-controlled swimming pool and private beach, as well as the Jungle Gym and fitness activities in the outdoor wellness area. Little ones can go to the Rixy Kids' Club, where theyll have their own mini pool. All food and drinks are taken care of with access to the breakfast and lunch buffets (non-alcoholic package) at A La Turca, plus unlimited soft and house beverages at I-Chill Beach Lounge for those seeking afternoon poolside drinks.

Daily, Dh399 per person on weekdays, Dh499 on weekends; http://www.accor.com

Residential favourite Vida Emirates Hills is offering pool passes this summer at cut-price rates and all of your fee back to spend on food and beverages. Grab a lounger or a cabana and soak up those rays beside the sparkling infinity pool with views over the lush green neighbourhood, plus all of your entry fee back as credit to spend on food and drinks.

Daily, Dh120, Saturdays have a limited F&B menu; http://www.vidahotels.com

1. Summer stays at Legoland Hotel Dubai start from Dh650 for a family of four.

Updated: July 30, 2022, 4:52 AM

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Over 650 families going to bed hungry – Cayman Islands Headline News – Cayman News Service

Posted: at 3:04 pm

(CNS): At least 652 households recorded people in their families going to bed hungry in Cayman because they could not afford to buy food in the month prior to them taking part in the 2021 census last October. Another 673 households said they didnt know or did not answer the question, which means that well over 2.2% of families, the majority of them Caymanian, are food insecure, despite the countrys significant GDP.

This is a serious area of concern for this government and one of the reasons why we pushed the school meal programme very early on, Deputy Premier Chris Saunders said last week at the recent press briefing announcing the publication of the 2021 Census of Population and Housing Report. There is still a lot of work to be done and we will be working with other private sector organisations to ensure that nobody that calls the Cayman Islands home should go to bed hungry.

Saunders said that not everyone in the Cayman Islands can be rich. Equally, nobody in the Cayman Islands needs to be poor. We have too much resources here for anyone to be going to bed hungry. This is one of the other things that is very dear to me and my colleagues, he said.

The question about food insecurity was one of several new additions to the census, which was designed to collect more data about how people are living and where government needs to invest and redesign policies to support the community.

Like you, all of us in the PACT Government believe that there is a disconnect between the quality of our economy and the quality of life for our people, and one of our goals since taking office was to improve our data collection that focuses on quality of life, Saunders said, noting that the census revealed a worrying number of people that could be going hungry.

According to the census report, North Side and East End households had the highest levels of food insecurity at 4.5% each, while 2.7% of families in Bodden Town and 2.3% in the Sister Islands also reported people going to bed hungry. George Town had the lowest level of food concerns at 1.8%, followed by West Bay with 2.1%. Of the total households reporting food insecurity, over 65% were Caymanian.

Premier Wayne Panton said thecensusresults would be used to improve social conditions and standards of living for these vulnerable members of the community.

With the newcensusinformation we now have information on persons outside the labour force, older persons, persons with disabilities, veterans, persons in households with food security issues and those without health insurance, he said. Having this information is going to be very valuable in assisting our government in being able to work for you, but it will also help the many hard-working community-based groups the NGOs to better understand and serve the people they help as well, he added.

The census revealed the average and mean earnings for workers in the Cayman Islands, which highlighted the gaps between the rich and the poor as well as the problem of the working poor.

While some 3,921 people said they earned in excess of $100,800 per annum, the vast majority of workers reported having to manage on less than $36,000 a year. But around 15,000 employees (more than one-third of the entire workforce) were earning less than CI$2,400 per month, posing a challenge for those families given the already high cost of living in Cayman, fuelled further in recent years by relentless inflation.

The overall median earnings for the country was $35,994, which means that 50% of the population earned below that amount. The median income for Caymanians was higher at $45,594, while non-Caymanians median earnings were $31,194. But that does not tell the real picture, given the significant numbers of people on much lower incomes.

The census revealed numerous other inequities in the workforce, such as women earning less than men in some cases for doing the same work and non-Caymanians earning less than Caymanians, another issue that Saunders raised at the recent press briefing.

While I am aware that there may be positions with different levels of seniority, nonetheless we need to make sure that it is indeed based on seniority or type of role and not anything else, he said. While this government cannot guarantee an equal outcome, we will continue to push for equal opportunities.

Saunders, who is the labour minister, urged employers and managers to ensure that people are treated fairly and paid equally when performing the same roles.

Although the census reported an unemployment rate at the time of the count of 5.7% across the workforce, Caymanian unemployment stood at 8.5%. Since then, the Labour Force Survey recorded a drop in overall unemployment to 3% at the end of June this year, with the rate of unemployment for Caymanians at 5.1%.

Watch the full press briefing on CIGTV below:

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Not Waiting For Biden: How This Mom of 3 with $200,000 in Student Loans Has Paid Down $30K During the Payment Freeze – NextAdvisor

Posted: at 3:03 pm

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You know the system is broken when a performing arts degree costs $200,000.

I felt like I was in a cage, says Latasha Peterson. I left college with a pile of debt. The wife and mother of three struggled for years to make real progress on her enormous student loan bill. Something needed to change.

For over two years, federal student loan payments have been paused, and it appears likely President Biden will extend the pause a seventh time later this month. Millions of Americans anxiously await potential forgiveness legislation, a campaign promise that Biden promoted during his election campaign in 2020.

Peterson isnt one of them. She took matters into her own hands and got serious about her debt management. After gaining traction with her finances, fellow performing artists and creatives began asking her how she was making ends meet. The inbound interest motivated her to create Arts & Budgets, a blog of resources to help people create profitable businesses and additional income streams.

I saw a struggle, she says. I saw the problem, and it developed a passion in me to help individuals find legit ways to make more money. @ArtsAndBudgets now averages $10,000 a month in income from ten different revenue streams, and the mompreneur has used the extra funds to pay down $30,000 of her debt over the last 13 months.

If youre tired of waiting on student loan legislation and want to start taking action now, heres what Peterson wants you to know about starting a side hustle and working towards financial independence.

Growing up, debt was seen as normal in Petersons household, and she says she wasnt taught how to manage money. After college, she found herself juggling over $10,000 in credit card debt and roughly $200,000 in student loan debt with no savings.

Related: 4 Signs Biden Will Extend the Student Loan Payment Pause Again

I really wanted to be a stay-at-home mom, she says. So, I quit while my husband continued to work in corporate America. My passion for work never went away, though. Peterson and her husband started their debt payoff strategy by taking an inventory of the households finances.

Money was tight, and we only had $100 in our account at one point, she says. But my husband and I buckled down and set a budget. We really looked at our numbers, started scaling back, and committed to monthly meetings. We didnt do this when we first got married, but I really wish we had. We started to spend with purpose every dollar had a purpose.

Related: My Side Hustle Pays Me $4,300 a Month, But Im Not Putting a Penny of It Towards My $208,000 Student Loan Debt. Heres Why

Latasha also started taking her blog more seriously as a way to bring in additional income.

It was very busy at first, but I worked with my husband to figure out my schedule, she says. In the beginning, its more time than money invested with blogging. Im very big on schedules, but it was very challenging at the beginning. However, we got into the rhythm of things after about two to three months.

Peterson focused on several different blog monetization strategies, including display ads, affiliate marketing, and selling digital products. She also prioritized boosting traffic to her website.

Related: How to Make Money From Blogging in 5 Steps, According to 4 Experts Whove Done It

Over time, her efforts paid off. She increased her blogging income to over $5,000 in January 2021, which she used to start tackling debt, and now sees earnings of $10,000 or more each month.

I continued working with my husband each week to create a schedule that allowed me to spend at least two to three hours each weekday working on the blog, she says. We also worked together as a team to make sure we stuck with our budget and rewarded ourselves each time we met a debt payoff milestone.

Peterson has paid off all her credit card debt and made tremendous progress towards eliminating those pesky student loans. She believes that with patience and consistency, anyone can start a money-making blog to meet their financial goals.

While it doesnt take a large investment to start a blog, it takes a ton of time when youre just starting out, she says. But if you just stay consistent and keep writing great content for your direct target audience, youll see results for sure. If you want to fast track things, invest in a blogging coach or mentor with a proven track record or a great blogging course. Peterson recommends focusing on great content and learning about important blog concepts such as keyword research and search engine optimization (SEO).

Earning money from a blog takes time, but you can expedite the process by focusing on your niche, target audience and investing in a reputable blogging coach. Blogging courses are also an affordable way to level up your blogging knowledge and monetize sooner.

Most importantly, Peterson urges other bloggers not quite getting the results they want to keep at it.

Never compare your beginning to someone elses middle, she says. There will be days where the going may get tough, but you can turn a blog into a profitable business and start reaching your financial goals. You have to stay consistent.

If I can do it, anyone can do it.

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Not Waiting For Biden: How This Mom of 3 with $200,000 in Student Loans Has Paid Down $30K During the Payment Freeze - NextAdvisor

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How to Plan When One Spouse Retires While the Other Keeps Working – ThinkAdvisor

Posted: at 3:03 pm

When one spouse retires and the other continues to work, Its important to pay attention to the psychological component,Douglas Boneparth, founder and president of Bone Fide Wealth, tells ThinkAdvisor in an interview.

There could be everything from jealously and animosity to uncertainty all the way to everyone is happy doing their own thing, the financial advisor explains.

Boneparth, 37, has seen it all as a certified financial planner for 12 years,10 of them as an independent financial advisor.

The one-spouse-retires/one-works arrangement allows greater distribution flexibility because of the income generated by the working spouse, he notes.

From his office in downtown Manhattan, Boneparth specializes in helping millennials and has $90 million in client assets under management.

There are several pluses to half a married pair continuing to work among them, less reliance on retirement assets.

Also, it reduces income tax, and theres a possibility that the working spouses group health care plan may be superior to and more affordable than Medicare coverage, Boneparth points out.

Further, if youve stopped working, theres likely no longer the need to maintain individual disability and life insurance polices, so those premium payments will be eliminated.

Still, several other big decisions need to be made, like when each spouse should start receiving Social Security benefits and when to begin spending from a retirement account.

In the interview, Boneparth highlights the necessity of a comprehensive financial plan spanning a wide range of contingencies and options.

He has been helpingpeople since his college days, when he worked part time at his fathers Ameriprise Financial practice in Florida.

At 23, he relocated to New York to join another Ameriprise advisors business and began building his own book on the side.

He went independent in 2012, first with a partner, then going solo four years later. Two years before, he received an MBA in finance and management from NYUs Stern School of Business.

ThinkAdvisor recently interviewed Boneparth, who was on the phone from his office at 7 World Trade Center.

The advisor, whose undergrad degree is a B.S. in public relations from the University of Florida, announces that he has just rebranded retirement.

The classic definition, Im not going to work anymore, is a little antiquated, he says.

In the interview, he reveals what he believes is a more up-to-date characterization.

Here are highlights of our conversation:

THINKADVISOR: What should clients be sure not to overlook when one spouse retires and the other continues to work?

DOUGLAS BONEPARTH: Its important to pay attention to the psychological component.

There could be everything from jealousy and animosity to uncertainty all the way to everyone is happy doing their own thing.Ive seen it all.

What actually is retirement nowadays?

I just rebranded retirement to financial independence. The classic definition, Im not going to work anymore, is a little antiquated.

A better definition: Retirement is when not working is optional and affordable. Youre not reliant on [earning] income in order to live comfortably.

When one spouse in a couple plans on retiring and the other wants to continue working, for whatever reason, would that change their retirement plan?

Not necessarily. You have an advantage when one spouse keeps working: an income stream coming in, which obviously allows for a little more flexibility.

The reliance on retirement assets is less than if both were retired with no earned income being generated.

So this [strategy] actually favors planning. It provides more flexibility in what it takes to re-create the level of income needed to live a similar lifestyle during retirement years.

What are some issues that particularly need to be addressed in the retirement plan?

The best time to take Social Security; the best time to begin drawing down assets from a retirement account.

And how one spouses ability to continue earning money may provide less of a burden on the need to draw down those assets.

What about health care insurance?

Theres a lot to think about. The ability to stay on the working spouses group benefits comes into play versus enrolling in Medicare.

In some cases, you might get better health insurance through the working spouse by continuing to be on group health care than through Medicare.

This will come down to a cost-benefit analysis. If the premiums are cheaper and the benefits more robust staying on the spouses plan, then you would choose that versus Medicare.

Should the retired spouse start taking Social Security benefits while the working spouse waits to do so?

Heres my rule of thumb: If you need Social Security to live on, then, obviously, take it starting at full retirement age.

Otherwise, its likely worth waiting till age 70 to claim and get a bigger benefit assuming you think youre going to live well into your 80s.

Does income tax decrease when one of the spouses retires?

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The Most Affordable Region In The US Where The American Dream Is Still Alive – House Digest

Posted: at 3:03 pm

Despite the reputation the Midwest gets for being "lifeless and flat," this region of the country is the most economically efficient, says Clever. In the West, the job-to-income ratio is a shocking 4.2, whereas the Midwest offers a 2.9 ratio. As housing prices increased, so did the median household income, meaning Midwesterners have a greater shot at attaining the American Dream (or, as some people are calling it, "financial independence"). So, what makes the Midwest such an affordable place to live? When it comes down to it, the reason living in the Midwest is so cheap is because of supply and demand, ToughNickel says.

Big cities are saturated with people but don't have enough housing available to accommodate all of them. This drives the housing prices (and the cost of living) up, which is why you'll notice a drastic comparison between costs of goods in San Francisco versus Cleveland, for example. The demand for property, fuel, and food is much less in the Midwest, so there's no need to create a competitive market by increasing costs. Combine all of that together, and you get a region in the U.S. that grants its citizens more financial freedom, who are free to live out the American Dream.

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8 Reasons Why Doctors Are Lousy Investors and How to Overcome Them – The White Coat Investor

Posted: at 3:03 pm

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By Dr. James M. Dahle, WCI Founder

Doctors are notorious for being bad investors. There are a number of reasons for this, but none of them are insurmountable. Let's go over each of them.

Doctors start their investing careers in a different place than most people. Most people start investing, or at least could start investing, at 18-22 years old with a net worth in the -$50,000 to $0 range. That's not the case for most doctors. Most doctors start their investing career at 30-35 with a net worth in the -$100,000 to -$500,000 range. That's a big barrier. Many doctors don't even get back to broke before 40, only to discover that compound interest has been assisting their college roommates' path to financial independence for almost two decades already.

The Solution:

The good news is that doctors also generally earn more than their peers, with the average physician bringing in around $275,000 and the average dentist making approximately $175,000. If they combine that income with a relatively high savings rate, they can get back to broke much sooner and can continue to rapidly build wealth. It's hard to stay poor for long when you are putting six figures a year toward building wealth.

Unfortunately, our progressive tax system is skewed toward those who earn small amounts of money each year for many years and against those who earn a lot of money in just a few years. In fact, it is entirely possible to become a millionaire in this country without ever paying income tax. In 2021, when I originally wrote this piece, a family of four living in a tax-free state and taking the standard deduction could earn up to $62,500. If you maxed out a tax-deferred 401(k) at work, that amount increased to $82,000. That income got you into approximately the top 12% of all earners.

Investing $19,500 a year at 8% would cause you to become a millionaire in just over 21 years.

=NPER(8%,-19500,0,1000000) = 21.2 years

On the other hand, a doctor earning the average physician income of $275,000 pays more than $44,000 in income taxes, or about 16% of incomeagain assuming marriage to a non-earner, two kids, and the standard deduction while ignoring payroll taxes, state income taxes, sales taxes, and property taxes. At $500,000 of income, that figure rises to $115,000, or 23% of income. Whether 16% or 23%, that is simply a lot of income that cannot go toward building wealth.

The Solution:

While there is no doubt that earning more helps to build wealth (especially if you keep that savings rate high as discussed in #1), the real solution to the increased tax burden that doctors face is to minimize the taxes, especially those applied in the highest brackets. This is done using tax-protected retirement accounts, particularly those with an upfront tax deduction such as 401(k)s, 403(b)s, 457(b)s, 401(a)s, Individual 401(k)s, Health Savings Accounts, and Defined Benefit/Cash Balance Plans. Many doctors are eligible for two, three, four, or more of these accounts. Maxing these out can dramatically lower the tax burden. Consider that doctor making $500,000 and paying $115,000 in taxes. By maxing out two 401(k)s, an HSA, and an $80,000 Cash Balance Plan, this doctor can knock more than $200,000 off their adjusted gross income, lowering the tax burden by almost $62,000, or 54%. That's $62,000 more that can be used to build wealth.

Many doctors stink at investing and other financial tasks simply because they do not know how to do them. By the time typical small business owners are making six-figure incomes, they are typically very good at running a business, evaluating risks, budgeting, and negotiating. They understand how the financial world and the tax code work. That's not the case for athletes, entertainers, artists, and doctors. Their high income comes from specialized skills or knowledge, not from any particular business or financial acumen. As a general rule, medical and dental schools and residencies teach next to nothing about personal finance, investing, or business to doctors. They are dumped onto the world with a high income and no idea how to manage it effectively to build wealth.

The Solution:

While there are many of us working on integrating some sort of financial training into the medical education system, the truth is that doctors are mostly on their own to learn this information. Luckily, it's not that hard to learn, especially with resources like The White Coat Investor available to you. Whether you prefer a blog, email newsletters, a podcast, a videocast, an online course, live conferences, books, or forums, we've packaged up this information for you in your preferred format so you can learn it and apply it in your life. Knowledge is power, and the truth is that this is one of the easiest obstacles to overcome.

There are a lot of what I call Dumb Doctor Deals out there. Most of these investments can only legally be sold to accredited investors. An accredited investor is presumed to be smart enough to evaluate an investment on their own (without the assistance of the SEC) and can afford to lose more money by virtue of their wealth. However, the actual definition of an accredited investor is solely based on income or wealth; there is no requirement for investment expertise. To make matters worse, the income level ($200,000) and the wealth level ($1 million in investable assets) were never indexed to inflation. So, most physicians coming out of residency are now technically accredited investors, despite having a negative net worth and little ability to evaluate an investment. They are whales ready to be harpooned by the nearest Captain Ahab hawking a dumb doctor deal.

The Solution:

The solution is to become a REAL accredited investor before ever touching an investment requiring that status. A real accredited investor has the knowledge and skills required to tell a good investment from a bad one, and they can identify investments that are likely to be scams. A real accredited investor can also afford to lose the entire investment. I would suggest that before touching these investments, you make sure you qualify on BOTH the income requirement AND the wealth requirementand double both of them for good measure. If you're making more than $400,000 AND you have more than $2 million in investable assets AND you have developed the ability and interest to objectively evaluate a private investment, then I think it is reasonable for you to include it in your portfolio. If you cannot check all of those boxes, then stick with a portfolio of low-cost, broadly diversified index mutual funds and possibly investment properties that you own and manage directly. There's no need to get fancy to be successful.

Doctors are taught to trust the other professionals in their hospital. They know that the pediatric nephrologist knows more than them about the workings of tiny kidneys, so they defer to their wisdom on those matters, trusting their advice completely. Unfortunately, they do not realize that the entire professional world does not recite the Hippocratic Oath prior to entering their field. They do not realize that not every financial professional has a fiduciary duty to them and that even many who do fail to abide by it. They also don't realize that many financial professionals have little real financial training. This results in doctors getting a lot of bad advice and overpaying for good advice.

The Solution:

Learning how the financial services industry really works and putting on your business hat (the one that makes you skeptical and suspicious) rather than your medicine hat before interacting with financial pros is the only solution. As William Bernstein famously said:

If you act on the assumption that every broker, insurance salesman, and financial advisor you encounter is a hardened criminal, you will do just fine.

I'm not saying they're all crooks (most actually aren't), but an attitude of healthy skepticism is completely appropriate. Like with your teenager: trust, but verify.

Doctors are trained to make difficult decisions quickly with limited information. They are also used to being the smartest person in the room. This leads them to make the classic behavioral error that just because they know a lot about one thing, they know a lot about everything. It is important to know what you know, but it is even more important to be aware of what you don't know. Many doctors think that financial gurus have functioning crystal balls. Even worse, many doctors think they personally have a functioning crystal ball. It is a rare doctor who would not benefit from at least occasional high-quality financial, legal, and accounting advice.

The Solution:

Get advice when you need it. Learn enough about finance to recognize when you need it. Be humble about what you know and what you do not. Develop an investing plan that does not require you to accurately predict the future to reach your financial goals.

On the other side of the scale, there are many doctors who are absolutely terrified of anything financial. While there is a lot to learn to function as your own financial planner and investment manager, there isn't THAT much to the process, especially since you only need to learn those aspects of finance that apply to your situation. But some doctors give up before they even start and become dependent on professionals to do everything for them without even determining if they are getting good advice or whether they are paying a fair price.

The Solution:

Realize that basic financial skills are relatively easy to pick up and implement in your life. Most doctors can function as their own financial planner and investment manager if they have the interest and the will to dedicate a bit of time to the craft. It is clearly the best-paying hobby you can pick up. Successful do-it-yourself investors often discover that their confidence lagged their knowledge by about a year. You can do this and you don't have to do it all on your own all at once from the beginning. Get help from others until you can fly on your own.

Many doctors think they will be able to work forever. They view money as their most renewable resource. See a few more patients, work a few more shifts, or do a few more surgeries, and voila, more money in the checking account. Many doctors don't realize that their career may end before they thought, that children cost more than they thought, or that physician burnout rears its ugly head for many by mid-career or even earlier. Many doctors realize they are different people at 35 or 45 than they were at 25, but they built a financial plan based around practicing full-time until age 70.

The Solution:

Doctors should prioritize their wealth-building activities early in their careers. Pay off your student loans in less than five years. Pay off your mortgage in less than 15. Become rich before you start acting rich. When your financial ducks are in a row, you will have the ability to make burnout-preventing and curing changes in your careeror even leave it completely if necessary.

Doctors are notorious for being bad investors, but this isn't a terminal condition. They can overcome the obstacles in their way, build wealth, and live the good life where they can support their family, focus on their patients, eliminate financial concerns, give to good causes, and even pick up a few luxuries for themselves along the way.

What do you think? Why do doctors have a reputation as such terrible investors? What should they do about it? Comment below!

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Treasurer Sprague recognizes August as ABLE to Save Month – The Highland County Press

Posted: at 3:03 pm

August is ABLE to Save Month, and Ohio Treasurer Robert Sprague is using the occasion to tout the importance of STABLE accounts and highlight the programs record-setting growth.

ABLE to Save Month is a national campaign that shines a light on ABLE programs across the nation and how they enhance financial independence for people living with disabilities.

Since January 2019, Ohios iteration of an ABLE program, STABLE Account, has seen overall participation grow three-fold, with total enrollment nearing 30,000 active accounts.

ABLE to Save Month is the perfect time to promote the financial empowerment and independence that STABLE accounts provide for people living with disabilities, said Sprague. These accounts are life-changing as they help individuals to save and invest money, while also staying in the workforce. Were proud to continue the growth of STABLE Account and look forward to empowering more Ohio families.

STABLE accounts are 529-like specialized savings and investment accounts for people living with disabilities. Accountholders can save up to $16,000 without losing federal assistance, and they can save an additional $12,880 each year if theyre employed. Earnings on STABLE accounts grow tax-free if they are spent on qualified expenses, which include housing, transportation, living expenses, healthcare, assistive technology and more.

The STABLE Account program was launched in 2016 following passage of the federal Achieving a Better Life Experience (ABLE) Act. Prior to the ABLE Act, individuals with disabilities could only save $2,000 before losing means-tested benefits, such as Medicaid or Supplemental Security Income (SSI).

Additionally, asset limits hindered opportunities to join the workforce. These regulations made it difficult for many people to work, save and invest, creating barriers to financial independence.

In recent years, the treasurers office has partnered with several private and public sector employers across Ohio to enable eligible employees to make recurring deposits into STABLE accounts directly from their paychecks.

Through STABLE Account, Ohioans living with disabilities can enjoy a higher quality of life and build a strong financial future. Signing up for a STABLE account takes about 20 minutes and can be done online from home. For more information about STABLE accounts and to sign up, visitwww.stableaccount.com.

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