Month: October 2021

How to Successfully Navigate Renting to a Friend

renting to a friend

Have extra space in your home that can be used to create a rental income stream and a friend in need of a place to live? Before long, the conversation inevitably turns to a discussion about becoming housemates.

It may sound like a perfect idea to live with someone you already know – and for some it can be – but being a landlord to a friend who is your tenant could also have long-term consequences on your relationship.

On the plus side, renting to a friend usually means they will be more apt to be respectful to your home and property. Also, since there’s likely a mutual respect there, there’s less of a chance that they’ll be late making rent payments.

On the other hand, if there’s discord between the two of you because of the close quarters or housemate disagreements, it could damage your friendship. There’s also the possibility of a friend taking advantage of your relationship and being consistently late with rent payments, using your items without asking or other transgressions.

Here are some steps you can take to ensure your friendship endures when renting to a friend.

Agree on Common Ground Rules

It could be your friend from childhood, but if you’ve never lived together, you don’t necessarily know how to live together in harmony. Often times, friends assume their living habits are the same, but one may be less tidy than the other, more likely to have their significant other sleep over, watch TV into the early hours or take hour-long showers.

Also, many people are working at home these days and, if that’s the case for both of you, it’s imperative to carve out workspace and work hours.

It’s best to meet up front and determine things like bathroom time, buying and sharing food, stocking toilet paper and other household staples, who parks where, how to use common closet space, help with pets, lawn upkeep and entertaining.

While it’s ideal to capture this in writing, a formal contract could feel a bit overboard for most friends. One good way to go about it is to email back and forth about your preferences and find common ground – this way it’s captured in print but doesn’t come off as if you don’t trust them.

It can also be effective to set up a shared calendar that captures everything you’ve agreed upon with regards to travel schedules, guests, pet sitting, etc.

Work Out a Fair Rental Amount

Just because it’s a friend doesn’t mean you should be losing or not making money on the deal. Chances are that you’ll end up feeling resentful.

Determine what a fair rental agreement looks like based on what you’re paying and how much your friend is saving. You may want to give them a “family and friends discount” – particularly because the long-term rental stream may be more steady since you’re knowingly compatible and comfortable together, although you shouldn’t have to make a monetary sacrifice either. Also, be sure to collect a security deposit so you’re not out of luck if any property gets ruined.

Make the Tough Decision on Running a Credit Check

You may know your friend’s favorite musical group or meal at the local restaurant, but there’s a high chance you don’t know the ins and outs of their financial standing. Here’s where you have to make a tough decision about whether or not to dig deeper into their finances to ensure they’re able to cover their monthly payments and bills.

Do you run a credit check, or does that put you in ultra-awkward territory since friends and finances don’t often mix? It may depend on the nature of your friendship. For some, it’s not an uncomfortable request to make, while for others it may be.

If you’re in the latter group, but want the assurance, you could casually ask if they’re in a good financial standing and see what kind of information they offer up. It could also be that it’s something your homeowner’s insurance or other third-party requires, which could greatly ease your comfort level when making the request.

Sign a Lease

Just as you would with any other property, make sure to enter into a lease. There are state-specific leases widely available for free online that you can download and customize. The lease is a good place to account for things such as rent increases and property damage, so those don’t become contentious points-of-discussion because the terms are understood.

Ask a lawyer or another third-party to do a final review, so you’re getting an objective set of eyes and minimizing the chances of disputes down the line.

Divide Bills Down the Middle

When it comes to utility, internet and cable bills, a good rule of thumb is to divide them down the middle. At the end of the day, if someone has a few more toilet flushes or leaves a couple of lightbulbs on in the afternoon, it’s not going to make a significant difference in the bill rates.

It can be a whole lot complicated and prickly to try to assess more of the charges to one person over another every time a bill comes. Even if just one of you is working from home regularly, consider the tradeoff that comes with that.

The housemate working outside of the home will have the peace of mind that packages won’t be sitting exposed on your porch all day, that your pet will likely be getting some human attention and that someone will be there to greet the handyman.

Make a Plan to Head Off Issues

Conflicts are bound to arise when you live with someone under the same roof, but more is at stake when it’s a friend. Bottling up any annoyances over time can eventually lead to explosive arguments and inflict long-term damage on your relationship.

It’s important to keep a constant, open flow of communication to avoid festering issues. Remember that shared calendar? Put in a designated check-in date and make it happen – grab coffee or a bottle of wine or cookies or whatever and meet up to chat things through.

Pay respect to your friendship by making a pact that you’ll bring up any issues, even if they seem small. When you do connect on things, keep a sense of humor and assume positive intent. This will keep you from getting needlessly too deep or frustrating one another.

And don’t forget to look at yourself in the mirror too. Can you think of anything that you could possibly be doing that’s annoying? Chances are that you’re not the perfect, ideal housemate, so make sure to acknowledge your part in any homesharing challenges too.

Taking on a housemate – even a friend – shouldn’t be taken lightly, since this is feasibly someone you’re spending more time with than a significant other or family member. If you run into bumps in the road while negotiating terms of your rent or living arrangement, it just may not be the right time or the right friend.

If it’s something that doesn’t feel comfortable, don’t take that chance and let them know from the get-go that this is a possibility. However, there can be great joy, companionship and memories made when you live with friends, so don’t rule it out when you have a room sitting unoccupied.

Do you have extra space in your home? Have you considered taking in a friend as a housemate? What might be stopping you? Have you had a home-sharing experience with friends or non-friends? How did it go/how is it going? Let’s hear from you!

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How to Appreciate the Power of Stillness and Being Present

power of stillness

You know how you can flip through a calendar and certain dates jump out at you because of their personal significance? For me, November 8th never did, that is until the night I found myself under the blaze of emergency room lights in a hypertensive crisis.

I wondered how I ended up in the hospital as the emergency room nurse attached electrodes to my chest for the continuous EKG.

Oh, that’s right, my mother was dying and there was nothing I could do to stop it. My marriage and business were in crisis. And my acting career was about to take off, but there were no guarantees it would succeed.

It’s true, I certainly had felt the increasing weight of the stress, but the real reason I was in the hospital was because I didn’t feel it was important enough to take time out to care for myself.

I did what so many of my generation were taught to do. I kept my nose to the grindstone, eyes focused on the task at hand, and I plowed ahead.

Rewrite Your Life Story

With the doctors believing I might die, I knew something had to change. Unlike my past, this would not come from a flurry of non-stop activity.

The question, “Now what?” rose up, leaving me with little answers as to what my life would be like moving forward.

In the weeks following my release from the hospital, I found myself immersed in deep introspection, searching for some answers. That is when I first heard the words, “rewrite your life story.” It was spoken to me from that place I had come to know as my inner, authentic self.

All I could counter with was, “How do I do that?”

Growing up, few of us were given a manual for how to rewrite any part of our life story. And fewer still were granted the support and encouragement to work through the emotional baggage that was steadily building up as we grew older.

Not surprisingly, when massive change is afoot in our life, the question, “Now what?” doesn’t always open a floodgate of answers. And if you are anything like me, the initial silence can be scary.

Living Under Imaginary Circumstances

Despite the success I had enjoyed in my life, going to the hospital re-introduced me to a hidden truth. I was not living truthfully in my own life, as I had been living under imaginary circumstances. My upbringing had not prepared me for what I was going through, and neither had my schooling.

In moments of great change, everyone has their own set of coping mechanisms. Some turn to religion and pray while others lean on spirituality and meditation. And some gravitate to destructive vices to medicate the pain.

For me, I found myself learning to make conscious choices through a valuable set of acting tools. I had never thought about how acting tools could translate to real-life situations, least of all my own. Following my intuitive instincts, I felt it was as good a time as any to put them to use in the reality of my personal life.

3 Acting Tools for Being Still and Present

Here, then, are three fundamental acting tools that are easily applicable to making positive changes to any area of your life you choose.

Be Still

This requires slowing down the mind and the body, which helps you abstain from confusing activity with accomplishment. Great acting performances are less about staged activity the audience may see, and more about being still, especially prior to the director calling for ‘action’.

In your own life, this translates into not always feeling inclined to take physical action right away to get what you want. By being still, both in mind and body, you create the space for the answer for what to do next to gracefully show up with little to no resistance.

Be Present

Acting is living truthfully under imaginary circumstances. An actor that is fully present in the moment is aware of being vulnerable to the power and emotion the script evokes. This only happens when actors are in the present moment, and it directly applies to real life.

In your own life, this translates into being in tune with what your inner critic and inner, authentic voice are sharing. In so doing, you become aware of what emotions are serving your desires and supporting your intentions for change, making it easier to take inspired action from a place of empowerment.

Be Receptive

For an actor to authentically portray their character, they must be in a state of receptivity during each scene. This means being open to what shows up in the moment. For instance, improvise if need be, but always flow with what is unfolding rather than being rigidly stuck to what was in the script.

To get present with any part of your life you seek to change or improve, means being open to embracing each moment without trying to control it. At first, this can be a little uncomfortable. The more you practice being open to receive what is coming up for you the easier it will be to rewrite any area of your life.

What difficulties have you gone through recently? Have you found yourself emotionally and mentally exhausted? How did you put a stop to it? Have you been taking better care of yourself since? In the comments below, I invite you to share your personal experiences with how you have applied the aforementioned techniques while navigating change in your own life.

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Multivitamins vs. Individual Supplements – What’s Best for Healthy Aging?

healthy-aging-supplements

An estimated one in two Americans take a vitamin supplement. However, when you’re facing a wall of products, it’s not always easy to know which one to buy.

Should you select a multivitamin and mineral, opt for a bespoke blend, or buy each nutrient individually? This is an excellent question, to which the answer is: it depends on why you want to take them!

Of course, none of the following information is intended to be medical advice, but, we hope that it gives you something to discuss with your doctor on your next visit.

Healthy Aging: Where to Start

If your diet isn’t as good as it could be, then a multivitamin and mineral that supplies around the daily recommended intake of as many micronutrients as possible can act as a nutritional safety net.

If you are seeking a particular therapeutic result, however, then a selected blend, or a single vitamin or mineral, may prove a better option.

Whichever supplements you choose, make sure they are produced to pharmaceutical standards (known as GMP in the UK and CGMP in the US, which stands for Current Good Manufacturing Practice).

This means the supplements and their ingredients are checked at all stages of production for purity and consistency of dose.

Multivitamins as Nutritional Safety Net

Although diet should always come first, national dietary surveys consistently show that significant numbers of people do not meet the recommended intakes for particular vitamins and minerals. While average intakes seem OK, an average is only an average – half are getting more, and half are getting less.

There are many reasons why your diet may lack particular micronutrients. These range from poor appetite and difficulty chewing to following a restricted diet for ethical, religious, or health reasons.

Perhaps you have particular food intolerances, or are cutting back to lose weight. In these cases, a multivitamin is probably exactly what you need.

Not all multivitamins are the same, though. As a result, make sure you know what to look for.

How Diet and Deficiencies Impact Healthy Aging

As a family doctor working in a deprived inner-city area, I dealt with countless patients who felt tired all the time and lacking in energy. They had little money for fresh fruit and vegetables, so I ended up prescribing a vitamin and mineral supplement. When they perked up and felt better, they were more open to improving their diet.

Specific Nutrients for Specific Benefits

Some supplements contain a carefully selected blend of vitamins and minerals aimed at maintaining a particular body part or function.

Potassium, magnesium, and B vitamins, for example, are often combined to help maintain normal blood pressure, and to reduce tiredness and fatigue.

Antioxidant blends (e.g., vitamins A, C, E, and the mineral selenium) are also popular to protect cells from the damaging particles (free radicals) that are associated with premature ageing.

Supplements to support eye health tend to contain research-based blends of antioxidants, B vitamins, carotenoids (lutein and zeaxanthin), and zinc. And those designed for older women tend to major on calcium, magnesium, vitamin D, vitamin K, and possibly boron for healthy bones.

Calcium is usually combined with vitamin D to aid its absorption. Ideally, look for a supplement that also includes vitamin K2 to reduce the chance of excess calcium being deposited in artery walls.

You get the idea – if you have a particular health problem, look for a blend designed to address it. This isn’t always clear from the product label, unfortunately, due to legislation that prevents food supplements from making unapproved health claims.

Single Nutrients for Specific Needs

Single nutrients are usually recommended or prescribed medically, to treat or prevent an identified deficiency.

Iron

Iron deficiency is the most common mineral deficiency world-wide. Supplements may be prescribed to treat iron-deficiency anemia when your level of the red blood pigment, hemoglobin, is demonstrably low.

A low iron reserve is also associated with restless legs, thinning hair, and recurrent Candida infection even when iron status is not low enough to cause overt anemia. As iron is toxic at levels only just above the required intake, take care not to exceed recommended doses.

Vitamin C

While scurvy, due to severe deficiency of vitamin C is rare, it remains the most popular single vitamin supplement, often taken in high doses to boost immunity against viral infections.

As a water-soluble vitamin, it is relatively safe, but an upper tolerable level of 1000mg per day is suggested for long-term use from supplements to avoid indigestion. It can be taken in higher doses short-term and non-acidic forms (e.g., ester-C) are available.

Folate

Folate is the most widespread vitamin deficiency in developed countries. Single supplements are recommended before and during early pregnancy to reduce the risk of developmental abnormalities.

Outside of pregnancy, lack of folate is associated with a particular form of anemia. This is often accompanied by lack of vitamin B12, and these two B vitamins are prescribed together long-term (partly to avoid masking the blood changes used to help identify a B12 deficiency).

If you have a raised level of homocysteine (an amino acid that damages blood vessels), vitamin B6 is added to the mix to help convert homocysteine into safer forms.

Vitamin B12

High doses of vitamin B12 are prescribed to treat pernicious anemia. This develops when the immune system attacks the stomach cells that make intrinsic factor, which is needed for vitamin B12 absorption.

However, if you lack this factor, you are unlikely to absorb enough even from high oral doses, so it is usually given by injection, or via sublingual sprays/lozenges for absorption under the tongue.

Vitamin B6

Popular among women with premenstrual tension, Vitamin B6 is sometimes recommended to treat carpal tunnel syndrome although evidence for its effectiveness is inconsistent.

Vitamin D

Another vitamin often taken on its own, especially during winter months, is Vitamin D. This is when people living at northern latitudes do not meet enough UV light to synthesize their own supplies.

People over the age of 60 are especially vulnerable as you are only able to make a half to a quarter of what you could synthesize in your 20s – even when the sun is shining. What constitutes the right dose is controversial.

Vitamin E

The popularity of single-supplement vitamin E waxes and wanes. It is usually taken together with other antioxidants – especially vitamin C which is needed to regenerate vitamin E once it has acted as an antioxidant.

Magnesium

Magnesium is one of the few supplements that I take individually – partly because of compelling research that it might help me to live longer! It also has a useful laxative action and promotes a good night’s sleep. Several different magnesium salts are available, all with different absorptions.

Closing Thoughts About Healthy Aging

Diet should always come first. If you are healthy but know your diet is not as good as it could be, a multivitamin and mineral is the best option if you decide to take a supplement.

During winter months, additional extra vitamin D may be advisable, depending on where you live. If you have a particular health issue, such as raised blood pressure or a family history of osteoporosis, then a bespoke blend may be the way to go.

Take care, however. If you mix and match supplements, it’s easy to obtain too much of certain micronutrients (e.g., vitamin A, iron, or magnesium) which can lead to toxicity in excess. Check upper safe levels here.

If you are taking any prescribed medication, or if you are in doubt about what you need, always check with your doctor or with a pharmacist.

Do you take any vitamin or mineral supplements? If so, which ones did you select, and why? I’m always curious to know what people take and how they reach their decisions. What healthy aging tips would you like to share? Please share in the comments section below.

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Heather Gay’s Black and White Animal Print Jacket

Heather Gay’s Black and White Animal Print Jacket While Tubing

Real Housewives of Salt Lake City Season 2 Episode 7 Fashion

Forget Sasquatch, the only kinda animal we’re intersting in seeing appear on the mountains of Utah is some cute animal print like Heather Gay’s black and white printed ski jacket on last night’s episode of RHOSLC. Whose stock unfortunately appears to have already gone down the tubes, however you can still totally rock a Style Stealer of this winter “tits out,” in, or however you want.  

 

Fashionably,

Faryn

 

Heather Gay’s Black and White Animal Print Jacket

Click Here to See Her Asos Design Jacket

Click Here to Shop Her Louis Vuitton x Supreme Backpack on eBay

Click Here For Info on Her Sunglasses

Click Here For Info on Her Boots

Originally posted at: Heather Gay’s Black and White Animal Print Jacket

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Spoolie Brushes Are the Unsung Heroes of Your Makeup Bag & These Are the Best Ones

When it comes to makeup tools, highest praise is often reserved for the makeup blending sponge or foundation brushes that impart an airbrush finish. Stiff, angled eyeliner brushes are hailed for their precision, and the right powder brushes can deposit a veil so silky and fine your pores might just vanish entirely. But the unsung hero of the group is undoubtedly the humble spoolie brush.

While most tools in your makeup bag only do one or two things — and do them well, we might add — spoolie brushes are the tiny tools with myriad uses. Like lip balm, you’ll never regret having extras stashed in every bag and drawer. The tapered bristles, organized in a spiral helix, looks like your standard mascara wand (without the mascara), but there’s nothing average about this brush.

For starters, the best spoolie brushes can de-clump your mascara for a flawless flutter as well as style and shape your brows. If you have a bar of soap handy, you may just inadvertently put your favorite brow gel into early retirement — “Soap Brow” tutorials are hailed by makeup artists and drag queens alike all over the internet as a foolproof brow styling trick. Simply wet your spoolie brush and lightly scrape it across your bar of soap (apply too much pressure and you’ll work the soap into a lather), then run the brush through your brows in the direction of the hair growth until you have your desired brow shape.

But beyond basic eyelash and eyebrow grooming and maintenance, spoolie brushes can help tame wispy, fly-away hairs (spray a spoolie brush with some hair spray and get to work). And brave souls can also put spoolie brushes to work touching up their roots at home. The uses are truly endless and we’re pretty sure that once you buy a pack for yourself, you won’t turn back.

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