Friday, December 17, 2010

AVOID COSTLY BENEFICIARY BLUNDERS

Finanical AdvisorsCarefully choosing a beneficiary for your life insurance policy and keeping the information up to date will save loved ones time, heartache and money later. "It may be an awkward five-minute conversation to have with your beneficiary, but it certainly beats the hours and hours they may spend tracking information down after the fact," says Craig Lemoine, assistant professor of financial planning at The American College in Bryn Mawr, Pennsylvania. Here's how to help avoid common and potentially costly beneficiary blunders.
Update as relationships change. It's not just birth, death, divorce and marriage that call for beneficiary updates, Lemoine says. If you have children who are no longer minors, you can name them as direct beneficiaries of a policy or fund rather than putting the money in the hands of a guardian or trust. Also consider the health of aging relatives. If a beneficiary has a condition that causes cognitive impairment, such as Alzheimer's, you might better provide for that person by naming a different beneficiary and making provisions for the person's care in your will.
Be specific. Don't be vague about the beneficiary in an attempt to avoid having to update the information later, Lemoine says. "Sometimes people name 'my children' or 'my siblings,' and that can cause problems," he says. Being specific when naming your beneficiary may eliminate future legal challenges and confusion.
Be cautious when naming yourself or your estate. When people name themselves or their estate as beneficiaries, the money becomes part of the insured's general estate, which leaves it subject to potential taxation as well as seizure by creditors. In addition the death benefit may not be distributed in accordance with the insured's true wishes. Consult your lawyer and tax advisor for help determining what beneficiary designation will best fulfill your wishes.
To learn more about what life insurance can do for you, visit statefarm.com.

DEFEND YOUR HOME'S VULNERABLE PIPES

PipesEven if you live in a part of the country that normally escapes sub-zero temperatures, don't think your pipes can't freeze this winter. All it takes is a cold snap that drops the outside temperature below 20 degrees. In fact, homes in mild-winter climates are especially vulnerable to frozen pipes, since they tend to have plumbing in exterior walls, attics, crawl spaces, and other unheated or unprotected areas.
No matter where you live, when water freezes inside a pipe, it creates a blockage that causes pressure to rise. The pressure builds up and the pipe eventually bursts. And the resulting deluge can seriously damage your home, especially if you're gone when it happens. Fortunately, there are ways to help keep water pipes from freezing. Play it safe and follow this advice from the Institute for Business and Home Safety.
  • Wrap pipes with foam or fiberglass insulation to help keep them from freezing.
  • Seal openings in exterior walls where cold air can get to unprotected pipes.
  • Disconnect garden hoses and place insulated covers over outdoor faucets. Better yet, install inside shut-off valves for outdoor faucets and drain water from the pipes.
  • Consider wrapping pipes with heat tapes or cables. These provide a small amount of electricity to keep pipes warm. Some come with built-in thermostats.
  • For pipes located under kitchen and bath sinks, leave cabinet doors open to let warmer room air get to the pipes.
  • If you're worried about a certain pipe, turn on faucets to a very slow drip to relieve pressure. Make sure both the hot and cold water lines are open.
  • When you leave home for an extended time during the winter, set the thermostat to at least 55 degrees.

Get more tips on preventing frozen pipes at statefarm.com.

Wednesday, December 15, 2010

PropertyManager.com



Posted: 15 Dec 2010 07:00 AM PST
Thursday Dec 9th, San Diego officials burn down an Escondido, CA house rented by George Jakubec. The property contained so many homemade explosives that investigators concluded that burning the home to the ground was the safest way to dispose of the hazardous materials inside.
Jakubec is now in jail for bomb-making and bank robbery charges as neighbors try and piece together how he was able to get by for so long without being caught. George had been renting the house for the past year and filled it with chemicals and explosive materials. Bomb experts deemed it too dangerous to enter.
Local residents were evacuated and as the crew of professionals set fire to the house, paramedics and firefighters stood by just in case. Almost all of the “bomb-house” was destroyed within 30 minutes and onlookers could watch the billows of black smoke fill the air.
What kind of additional tenant screening could this unfortunate property manager have done to avoid his property being burnt to the ground? Hope they at least had a security deposit.

Source: http://www.washingtonpost.com/wp-dyn/content/article/2010/12/09/AR2010120900911.html

Wednesday, December 1, 2010

Holiday Travel Made Easy

Holiday Travel Made EasyBe it for Christmas, Thanksgiving, the Fourth of July, or even President’s Day, many Americans spend the holidays away from home. Holiday travel can be a well-deserved break or an additional stress. Here are some suggestions to help make your holiday travels as stress-free as possible.
Make realistic travel plans
First of all, make some realistic assessments of the constraints upon your travel. You might not make it to see all your relatives for the Thanksgiving or Christmas holidays, or have the time or budget to see everything you want to see on your vacation. If you can, take the ideal amount of time you’d like to spend away and add one day to either end, so you don’t feel so cheated if you get delayed traveling.
Afraid you’ll have nothing to do that extra day? Call or visit the Web site of your destination’s chamber of commerce — they frequently carry coupons for local public attractions.
Travel insurance
Think about your destination as well: your risks of being delayed are higher heading to the snowy Northeast in the winter, or to the Gulf Coast during hurricane season. Trip insurance normally doesn’t make sense for a weekend getaway, but if you’re taking a major trip with a budget to match, it might be worth considering.
Plan ahead
The earlier you can start planning, the better. If you’ll be taking a car trip, consider making plans to have any necessary maintenance for your car, such as an oil change or a new set of tires, completed two weeks in advance.
Planning might also help you score cheap plane tickets. Farecast is a service that predicts when airfares for a particular trip may rise or fall, while sites such as Orbitz and Kayak can search for cheap flights, hotels, and rental cars.
Pack light
Pack as light as you can, especially if you’re flying. It will mean fewer checked baggage fees, fewer chances to lose your bags, and less strain on your back.
If you are traveling for a gift-giving holiday, consider shipping presents to your destination. As the Transport Security Administration may choose to unwrap presents in baggage for security screening, pack gifts unwrapped and wrap them when you arrive, if you cannot ship the items.
Be prepared
Be prepared for something to go wrong. If you have time beforehand, run through some of the worst-case scenarios — you miss your flight, you lose your identification while on vacation, your car breaks down far from home — and see if you can work out backup plans. If you know what to do when bad luck hits, you should feel less stress.
AirSafe.com has a detailed explanation of your rights when your flight gets delayed or bumped. Check out their list and you may feel more prepared for potential flight trouble.
Learn from the past
Finally, learn from past mistakes. If you stressed yourself visiting relatives last year, see if they’ll come to you instead, or ask to visit during a quieter travel period. If you know a three-day weekend isn’t enough time to relax, take some time off at either end and turn it into a proper vacation — instead of an exhausting whirlwind trip.
Some years you may need a holiday from holiday travel. Take only those trips that are going to be rewarding for you.

Holiday Charity Giving Guide

ag.story.holidaycharity‘Tis the season to give generously, whatever holiday you may be celebrating. Many choose to step up their charitable giving around the end of the year for a number of reasons: the holidays move them to share their blessings; they want to make sure they can deduct their donations for that tax year; or end-of-year bonuses allow them to act on their generosity.  However you might be moved, here are some tips for getting the most out of your holiday charitable donations.
Make giving your gift
Numerous charities allow you to give gift certificates.  If you buy a gift certificate for Donors Choose, which helps fund projects at underfunded public schools, for example, the recipient can choose which project to fund.  If your recipient wants to support internationally, he or she could choose a microlending project to fund with a gift certificate from Kiva. Or give to JustGive, where a charity gift card (with a service fee) can be donated towards any of dozens of charity choices.
You can give time as well as money
Local food banks and shelters will appreciate your assistance, as the growing cold means more demands on their services.  Not sure what you’d want to volunteer for?  United Way’s Live United site offers a “Match Your Passion” quiz to help you find volunteer opportunities you’d enjoy.
…or part of yourself
Contact The American Red Cross and volunteer to donate blood.  Also consider joining the national registry for bone marrow donors.
Don’t forget season-specific drives
Many cities and organizations have coat drives to help make sure recipients can keep warm during the winter; the annual coat drive run by New York Cares is one of the most famous.  Your natural gas provider might have ways for you to donate to cover lower-income families’ heating costs.  Also look for food drives at your local supermarket; often you can find opportunities to buy someone a Thanksgiving or Christmas dinner.  SecretSanta.org keeps a database of toy drives across the country.
Give while shopping
If you’re doing your holiday shopping online, you can donate while shopping through the iGive portal.  When you choose a particular charity or cause and register with iGive, a small donation will be made for every purchase you make at participating stores.  The Minnesota Council on Foundations maintains a list of similar charitable giving portals.
Check out the charity
You may receive many appeals for charity in the mail and over the phone during the holiday season; how do you know which charities will use your money most responsibly?  Charity Navigator keeps financial and operations information on hundreds of charities so you can find out how donations are used.

Monday, November 15, 2010

I know it's about Magic but it applies to all parts of your life.

SUNDAY, MAY 9, 2010

Getting Over the Approach Anxiety

Approach anxiety is a term commonly used in the pick-up and seduction communities to describe that first twinge of nerves or fear you feel when approaching a total stranger. This is natural and nothing to be ashamed of. For all the progress society has made, we still have millions of years of evolutionary wiring in our brains telling us to follow certain concepts despite the fact that they are no longer as important as they used to be.

Approach anxiety comes from the old tribal days of the cavemen. Such small bands of hunters and gatherers operated similarly to a wolf pack, with a structured hierarchy based on merit. We felt approach anxiety because it forced us to make a critical cost/benefit analysis. If you asked one of your tribesman for a favor or tried to court a member of the opposite sex and they rejected you, everyone would see it and your status would take a blow as a result. Back in those days taking a moment for that brief analysis in your head to determine if success was likely enough to risk the approach was very important. But not anymore.

The truth is that most people are not going to be crass with you just because you said hello. A lot of people would like to have an interesting experience, have a friendly conversation, or just meet a fascinating new person. So what are some ways to overcome approach anxiety?

Start small and work your way up. Maintain eye contact when talking to people. As a little tip, focusing in particular on a person's right eye when they're speaking tends to create more of a bond while looking directly between the eyes suggests that you are in a position of dominance or control. Hypnotists use the latter frequently, but for everyday conversations it's preferable to go with the former instead.

Eye contact and a sincere smile will go a long way. As authoress Leil Lowndes once wrote, many people are too quick to smile and it comes across as fake. If you smile too quickly, people think you're only doing it to humor them. Learn to realize that you don't need to rush yourself to smile. Make eye contact and let it come naturally, slowly. That might sound counterintuitive, and I have had people tell me I'm crazy or an idiot or whatever for doing this, but the results don't lie.

Ask every person how they're day is going. "What's up?" Most people are happy just to have someone ask that of them. Do this with people on the street, on the bus, the wait staff at a restaurant, the cashiers, everyone. The point is to condition yourself to remove the anxiety of approaching a stranger.

As you get used to this, you can work your way up to having brief conversations with people on the spur of the moment. It will seem awkward and counterintuitive at first, but you'll get used to it. It's all just repetition, repetition, repetition until it becomes second nature.

By getting rid of approach anxiety, you can apply this to your magic. A good performer needs to be approachable himself. I know a lot of you out there probably like the idea of the detached star or the distant mystic or the reclusive wizardly type. But take it too far and no one will want to talk to you or watch you perform because they can't get any sense of who you are and you end up looking a bit creepy. I'll let you in on a little secret: you can be approachable and sociable and still have an air of mystique to you. That will be discussed in a later post, however.

For now, make a promise to yourself to leave the magic paraphernalia at home for a week and just work on being a more socially stand up guy using some of the exercises talked about above. If you can do this with 50 people in one week, you'll notice a difference almost immediately. In Pavel Tsatsouline's book "Relax into the Stretch" he talks about how most inflexibility is the result of involuntary muscular tension and that if you gradually widen your legs as they relax, you'll eventually be able to do a full split once you show your body and brain that nothing bad will happen when you do this. Same thing here. Approach anxiety will vanish and you'll feel much more confident approaching strangers (and doing magic for them) once you've shown your brain that all the bad things it imagines are not going to happen.

Until next time.

Tuesday, October 26, 2010

The following word clouds are comprised of actual words and phrases from the 3,000 reviews we surveyed.
*The above word clouds are comprised of actual words and phrases from the 3,000 reviews we surveyed.
In my last article we covered some of the results from our survey of almost 3,000 reviews of property management companies on Yelp and Yahoo Local (read it first). We found that while there was a mix of tenants, owners, contractors, and realtors leaving reviews, the vast majority of the reviews were left by tenants. This makes sense if for no other reason than the fact that there are far more tenants than any of the other groups.
The fact that the reviews are highly polarized (love or hate) was easy to pick out, but beyond that there were a number of other common themes that came up over and over again. Here were the key issues that for tenants and landlords:

Landlords

Common Complaints
  • Delayed reaction time to phone calls and e-mails
  • Failure to promptly send out checks
  • Excessive and/or unexpected fees (especially maintenance fees)
  • Incompetent maintenance staff or contractors (slow, shoddy, overpriced work)
  • Took too long to find a tenant
  • Placing low quality tenants
Common Praise
  • Quick placement of tenant
  • Placement of quality tenants
  • Made the landlording process easy
  • Professional demeanor and rapport
  • Knowledgeable staff, understand the law and finer points of dealing with tenants

Tenants

Common Complaints
  • Long-standing maintenance requests – Tenant feels ignored or like they’re being passed from person to person in an revolving door of personnel and empty promises and excuses.
  • Run down dwelling – Everything from bugs to water spots. The worse the circumstances the more upset they are and the more explosive and colorful the review.
  • Rejection of maintenance or upgrade requests
  • Hard to get ahold of management. Took multiple phone calls and emails.
  • Failure to return all or a portion of the security deposit.
  • Rent increases – too often or a sharp jump.
  • Unfair enforcement of lease violations, fees and evictions.
  • Poor interpersonal skills – Property manager was rude, condescending etc.
  • Bait & switch – Showing a unit different than the actual unit issued, making false or misleading promises or move-in incentives, etc.
Common Praise
  • Friendly caring staff
  • Property manager was understanding and genuinely wanted to help tenant
  • Quick response to maintenance requests
It likely comes as no surprise to property managers that the list of complaints is longer than praises from tenants. The reasons for this are important as tenant reviews shape the overall atmosphere for online reviews of management companies. I’ll be covering this soon in a post titled “Why people love to hate their property management company”.
Want to beat me to the punch and provide your own explanation of what influences the online reviews we see in this industry? Let me know in the comments.

Thursday, October 21, 2010

The Tenant’s Duty To Maintain 
By Michael Geo. F. Davis, Attorney at Law
We start by recognizing that the rental premises are usually owned by the landlord, except in rare situations, such a sublease. Since it is the landlord’s real property, its upkeep is the landlord’s duty. In Florida it is the landlord’s responsibility to prepare a property for occupancy and make the repairs necessary for habitability. Further, the Florida Residential Landlord/Tenant Act (the “Act”) obligates the landlord to certain statutory responsibilities to maintain the rental premises. A landlord often cannot avoid his duty of habitability or his statutory obligations by including a lease provision purporting to waive all repairs, acknowledge habitability or accept possession “as is”. Florida statutes specifically prohibit enforcement of lease provisions that attempt to avoid the landlord’s duties arising under the Act or otherwise arising under law. However, the landlord’s duties may be modified under the rental agreement to varying degrees, depending on the type of rental unit. See our article, “The Landlord’s Duty to Maintain”, for a detailed discussion of the landlord’s duties and the permitted shifting of those duties by written agreement.
In this article we address the duties to maintain that the Act demands from the resident. The resident’s duty to maintain the rental premises can be found in FS 83.52. This statutory section’s title, “Tenant’s Obligation to Maintain the Dwelling Unit”, is somewhat misleading. The section might better state that it covers the resident’s duty to properly use the rental premises. The statute requires not only the proper physical use of the landlord’s property, but also the proper behavior of the resident and his guests on the rental premises. Note that this statutory section does not distinguish between single family homes, duplexes and multifamily rentals. The resident’s obligations are the same without regard to the type of rental premises. The resident’s failure to comply with the obligations contained in this section can be the basis for the landlord’s service of a Seven-Day Notice of Noncompliance with Opportunity to Cure. Continued noncompliance may be cause for service of a Seven-Day Notice of Noncompliance without Opportunity to Cure.
FS 83.52(1) building codes
FS 83.52(1) requires that the resident “comply with all obligations imposed upon tenants by applicable provisions of building, housing and health codes” (hereinafter just “codes” for short). This mirrors the statutory obligation of the landlord in FS 83.51 to comply with codes. The definition of “building, housing and health codes” can be found in FS 83.43(1). It is so broad that it will include almost anything that applies to housing. The resident may have obligations under the statutes, ordinances or regulations of state, county or local jurisdictions.
FS 83.52(2) clean and sanitary
The second subsection of the statute requires the resident to “keep that part of the premises which he or she occupies and uses clean and sanitary.” The definition of “premises”, which is found in FS 83.43(5), includes not only the resident’s apartment, unit or home, but also the building of which it is a part and the common areas for all resident’s use. The resident’s duty to keep clean and sanitary applies to his residence, and if applicable, to the building and common areas which the resident uses. It requires the resident to avoid littering and to pick up after himself and his occupants and guests. This does not require the resident to clean the building or common areas. That remains the landlord’s responsibility as provided in FS 83.51.
FS 83.52(3) garbage
The third subsection requires the resident to “remove from the tenant’s dwelling unit all garbage in a clean and sanitary manner.” This provision uses the term “dwelling unit” to signify that the resident’s duty is to remove the garbage from his apartment, unit or home. It does not require the resident to provide for the pick-up and removal of the garbage from the property. Again, that is the landlord’s responsibility as provided in FS 83.51.
FS 83.52(4) plumbing fixtures
The statute’s fourth subsection requires the resident to “keep all plumbing fixtures in the dwelling unit or used by the tenant clean and sanitary and in repair.” This provision speaks of “plumbing fixtures.” It is not responsibility for all the plumbing. While there may be some gray area of what is a fixture, it is clear that this provision limits the resident’s obligation. This provision requires not only that the fixtures be kept clean and sanitary, but also that the resident repair them. Assuming the fixtures, such as faucets, sinks, toilet bowls, etc., are in good repair at initial occupancy, the resident must repair the fixtures during the tenancy without regard to the landlord proving that any damage was the result of the resident’s intentional act, negligence or lease noncompliance.
FS 83.52(5) facilities and appliances
The fifth subsection states that the resident “use and operate in a reasonable manner all electrical, plumbing, sanitary, heating, ventilating, air conditioning and other facilities and appliances, including elevators.” There is no independent duty to repair the facilities or appliances. The resident would only be responsible for the repair of the facilities or appliances if the resident (or his occupant or guests) broke or damaged them by unreasonable use or operation. If the facilities or appliances broke or malfunctioned due to some other reason, for instance due to age, the landlord is responsible for the repair.
FS 83.52(6) damage or removal
Subsection six mandates that the resident “not destroy, deface, damage, impair or remove any part of the premises or property therein belonging to the landlord nor permit any person to do so.” This is a broad general prohibition against damage or unauthorized removal of the landlord’s property. The landlord can base the resident’s liability for repair or replacement of damaged or removed property, as well as for an unauthorized alteration, on this subsection.
Issues
None of the above subsections specifically require the resident to report any needed repairs. The duty to report to prevent further damage can be surmised from the duties in FS 83.52 (1-6), but it is not an explicit obligation. As such, the landlord cannot be assured that a judge will find a duty to report under FS 83.52. The landlord also cannot be assured that a judge will find any duty to control mold in FS 83.52. Mold is mentioned nowhere in the statute. The landlord should not rely on the statute’s requirement to use and operate the ventilating and air conditioning in a reasonable manner as an admonishment to control humidity. The landlord should include appropriate lease provisions requiring the resident to report needed repairs and to control humidity/mildew/mold.
That FS 83.52(5) and (6) provide duties for reasonable use and to refrain from damage is clear. The issue faced by landlords is proving that the resident’s use or operation was unreasonable, or that the resident caused the damage or removed the property. A court may not assume that because something was in good repair at initial occupancy and it is not now, that the resident is responsible for the damage or repair. The landlord must prove that the damage was the result of the intentional act, negligence or some other noncompliance by the resident or the resident’s occupants or guests. Sometimes this can be easy, but sometimes it is difficult to prove that the damage was not the result of a cause unrelated to the resident’s use, such as an appliance malfunction.
FS 83.52(7) disturb the neighbors
The final subsection of the statute deals not with the resident’s conduct in using property but with the conduct of the resident himself. It requires that the resident to “conduct himself or herself, and require other persons on the premises with his or her consent, to conduct themselves in a manner that does not unreasonably disturb the tenant’s neighbors or constitute a breach of the peace.” Most landlords would agree that this subsection is the source of many statutory noncompliances by residents. Note one important point in this subsection. It says “unreasonably disturb the tenant’s neighbors.” Often the difficulty in enforcing this subsection is the unwillingness of neighbors to file complaints or testify in court, because they don’t want to get involved, don’t have time for court, or simply fear retaliation. Another problem can be proving that the violator was the guest of the resident, if the violator disappears and the resident denies it was his guest. The subsection provides that the resident must “require other persons on the premises with his or her consent” to act properly.
Assuming the resident’s obligations
The statute does not contain a provision for shifting the resident’s duties under the statute to the landlord by written agreement. In all likelihood that is because the resident’s duties to properly and reasonably use the landlord’s property are personal to the resident and not transferable. However, if the landlord should intentionally or inadvertently assume an obligation imposed on the resident by any codes, a court may be unwilling to invoke the statute to relieve the landlord of his obligation. Judges recognize the unequal bargaining power often inherent in the landlord/tenant relationship, as well as the fact that many leases are contracts of adhesion (leases with no real negotiations over lease provisions) prepared by the landlord. In these circumstances if the landlord has assumed a resident’s statutory obligation, he is probably stuck with it.
Requiring additional resident obligations
The statute does not state that the tenant’s obligations are limited exclusively to those enumerated in the statute. If the landlord wishes to expand the resident’s obligations for code compliance, maintenance and repair, he should first consult our article, “The Landlord’s Duty to Maintain” previously referenced. In brief, many such obligations are not transferable, and an attempt to transfer most or all of such obligations may not only be unwise from an economic/preservation of property standpoint, but may also be held void and unenforceable. However, the landlord can and should supplement the statute with appropriate lease provisions, because the obligations of FS 83.52 are not extensive and contain gaps, some of which are noted above.
Finally, while FS 83.52 places some maintenance, use and conduct obligations upon the resident, the landlord bears the burden of proving statutory noncompliances. This will often require testimony by third parties, such as neighbors or vendors making repairs. Given the difficulties of assembling the necessary proof, the reluctance of third parties to testify, and the possibility that the resident will be less than candid about the cause of the damage or disturbance, it is often better to reach a settlement with the resident for an agreed monetary amount or to agree to a vacating date.

Tuesday, October 12, 2010

What Brand Are You?

What Brand Are You?

As a professional coach, YOU are ultimately the product. If you consider yourself a product then your ultimate goal should be to be a well-known BRAND.
What am I talking about when I say brand? Ford, Coke, Intel, and FedEx are all brands. And even though we are not attempting to place you in that category, it will help you gain visibility and stand out in a crowd, if you emulate the branding strategies of a Proctor & Gamble or Anheuser-Busch.
In their book, Marketing Aesthetics, authors Schmitt and Simonson talk about Corporate Brand Personality. Research found that there are five key personality factors in a brand: Sincerity, Excitement, Competence, Sophistication, and Ruggedness.
Getting Personal 
Isn't that interesting. They're talking about products as if they were human and have assigned personality traits to them. For example, they found:
  • Hallmark and Kodak score high on sincerity
  • Porsche and Absolut score high on excitement
  • American Express and CNN score high on competence
  • Mercedes and Revlon score high on sophistication, and
  • Levi's and Nike score high on ruggedness
Let me ask you... What are the characteristics of your brand? You can get some help on this topic by visiting the Success Without Selling site. You'll learn the first three steps to take and you'll also receive an introduction to Your Top 10 Personal Marketing Strategies.
Consider weaving your strong personality traits and positive qualities into Brand Positioning just as corporations use human characteristics to build their products brand equity.

Tuesday, September 14, 2010

Five Easy Ways to Conserve Water

Five Easy Ways to Conserve WaterWith American culture becoming more environmentally conscious, it is increasingly common to hear people discussing water efficiency and methods of conserving water. Treating water requires a great deal of energy, so water conservation not only cuts down your utility bills, it saves power and contributes to the preservation of natural resources. You can check your own efficiency level by following these five easy steps.
Watch out for leaks!
A little drip goes a long way — toward wasting water! Even a tiny leak will add up fast, as anyone who has ever put a bucket under a leaky roof will know. Keep an eye on all your faucets and report even small leaks immediately. One especially tricky spot is the shower — the gaskets in the switch that changes the tub from faucet to shower head can wear out quickly, leaving the shower dripping for hours after the faucet has been turned off. Getting these replaced when necessary will keep your shower and your water bill low.
Water your plants with rain water
Catching rain water is an eco-friendly way to water your plants and provide water for washing outdoor items such as porch furniture and even your car. Most large home-improvement stores sell rain collection barrels in varying sizes, and even a large pitcher or Tupperware container can do the job. Be sure to remember that standing water is a breeding ground for mosquitoes in the summertime, and only collect water you plan to use in the next 24 hours.
Make your toilet more efficient
The toilets installed in most American homes throughout the 20th century were designed when water was considered an unlimited resource. Efficient use of water was not a high priority at the time, so the majority of toilets use around twice as much water as necessary.
Some apartments come with new and improved high-efficiency toilets, which work just as well without wasting water. There are tax incentives for replacing older fixtures, so many companies are making the switch.
Check with your leasing agent to find out if your apartment has had an upgrade. If not, there is an easy way to make your older toilet more efficient. Simply take a glass jar and fill it halfway with small rocks. Add water and put the lid on, then place the jar inside the toilet’s tank and give it a flush. When the tank refills from now on, it will require less water, conserving gallons.
Turn off the faucet when you brush your teeth
Old habits are hard to break. Many Americans grew up with the habit of leaving the water running while brushing their teeth, shaving, washing dishes, and so forth, which is extremely wasteful. Turning water on and off as needed rather than running it constantly can save up to a gallon per task. It might take a little getting used to, but it will be worth it.
Check out your appliances
Water- and energy-efficient appliances are all the rage these days, but even many older appliances are efficient when used properly. Some washing machines are made to use varying quantities of water depending on whether the machine is full, while others use the full amount regardless of what cycle is chosen.
Check with your leasing agent to find out the capacity of your washer, and whether you are better off running only full loads of wash, or if smaller loads can be done efficiently. Most dishwashers offer a “Light Wash” option that is still enough to clean most household dishes. A little information about how your appliances work can save several gallons of water per use, and the difference can be seen in your water bill.
It might not seem as glamorous as recycling, but water conservation can actually make a huge difference environmentally and financially. A few simple steps and a little extra attention are all it takes!

Intentionality

Intentionality 
by Dr. Laura Belsten

The quality of our lives begins with our intentions. Our intentions form our thoughts, our thoughts shape our actions, and our actions create our lives. When we move into and live with deliberate intention, we create conscious living.
Intentionality is one of the most powerful of the 26 emotional intelligence competencies. As coaches, we support our clients daily in improving the quality of their lives, and it all begins with setting powerful, compelling, energizing intentions.
Quick story: Carol is a renowned artist living in the mountains of Colorado, and her studio is a charming old cabin which sits behind her home, nestled in the woods. It’s heated with a wood stove.
When she first started using her studio cabin, Carol found the wood stove unable to keep the temperature to a comfortable level. She liked having the woodstove and the ambiance it created in her studio, and they certainly had plenty of wood on their mountain property, so she began researching more efficient wood stoves and found the perfect one. The price tag, however, was a hefty $1,500.
Carol set her intention to find that wood stove for half that price. She posted a picture of the wood stove in her workspace and began checking online auction and advertising sites regularly. She also put her intention out in conversations with neighbors, community members, builders and remodelers. She even checked the want ads in the local paper.
Within three months, Carol found the exact model of wood stove she wanted, still new, in the box, for $750. A couple had purchased it for their basement, but then decided to move. They had never installed it, and wanted to re-coup some of their expense, and Carol was willing to pay $750.
Carol’s studio is now toasty warm and comfortable even on the snowiest Colorado days.
This is a very simple example of the power of intention, of course, and yet it illustrates how intentions can pull us forward, improving the quality of our lives.
The antidote is to live intentionally.
Living intentionally means:
  • creating a vision for our lives,
  • acting deliberately, in alignment with our stated goals, values and priorities,
  • taking the time to focus, recharge, breathe, meditate, and feel gratitude,
  • pausing to experience life and all its joys, love and wonders.
Without clear intention, our energy is scattered and our actions are less powerful.

Tuesday, September 7, 2010

Create Your Personal Space within Your Apartment

Create Your Personal Space within Your ApartmentSometimes you just need some space. Maybe you need a place to get away from your roommate or a special spot where you can enjoy your favorite activity. Either way, it’s important to carve out a space in your apartment that you can devote to relaxing, de-stressing and enjoying the things you love. Here are some ideas for creating a variety of personal retreats in your very own apartment.
Zen out
Finding a quiet meditation space isn’t as hard as you think. If you live alone and have a spare bedroom, then that would be the perfect spot. Even if you have limited space in your apartment or have a roommate, you can still designate a corner for yourself in your bedroom or den. Simply put up a decorative screen to separate your meditation space and shield you from distractions. Add a comfy floor pillow, a candle, incense and a CD or MP3 player for your favorite mood music. You can also tack up inspiring quotes or images on the wall. Aaahh, now you’re on your way to a Zen moment.
Work it
Maybe your personal chill time is more energetic. Then create a personal space for fitness. Whether it’s yoga, weight training or cardio, you only need enough room for an exercise mat, perhaps a treadmill if you have a little more space. Keep your workout equipment handy by putting your weights, bands and balls in a basket. Create a music station where you can charge and play your MP3 player. You can also make the perfect exercise atmosphere by putting up posters of athletes you admire or scenes of your favorite outdoor workout spots.
Get crafty
Creative types need personal space in their apartment that is dedicated to their craft. It’s as easy as selecting a desk or table in the living room or bedroom that can be your crafting table. The secret to making it a relaxing spot is to invest in a good organization system. That way, you can keep your supplies contained and easy to reach. A pile of paper, buttons, fabric and scissors spilling out everywhere will only add stress and detract from your creative endeavors. But that doesn’t mean your craft corner can’t look creative. Use colorful containers, lamps and idea boards to stimulate your mind and senses.
Quiet please
Avid readers dream of having a private library or reading room in their apartment. It’s not hard to create a quiet place for reading in a spare room or in the corner of your bedroom or living area. All you really need is your own special chair to curl up in. You can add to the cozy library vibe by putting a small bookcase or end table next to your seat. Make sure there is enough room on top for a reading lamp and a cup of tea or another favorite beverage. For a finishing touch, toss a soft blanket on the chair for chilly nights in the library.
Now you’re cookin’
Cooking dinner can be a very relaxing experience for the culinarily savvy. Though the kitchen is typically a shared space, you can still turn it into your personal cooking show. Find a cabinet or area of the pantry that you can call your own. Even the top of the refrigerator works! You just need a spot to stash your special cooking supplies. Fill a bin with your favorite apron, potholders, utensils and exotic spices. Then you can pull it out and get cooking your way, whenever you need some chef time. Order up!
As you start playing around with these personal space ideas in your apartment, keep in mind that any of these at-home getaways can be made portable. Simply put your supplies in a container that you can stash in the closet or under your bed. Then you’ll be ready to create a private moment at any time and any place in your apartment.