Boomer Financial Advice to Ditch

Inspirational Quotes to Motivate You Towards Success

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Many of today's great leaders with remarkable success stories have not only achieved greatness for themselves but care to inspire others to pursue their dreams as well. Their words are powerful and passionate, educational and uplifting. Their hard work and perseverance paves the way for up-and-comers striving to do things equally remarkable.

You may be on the road to reaching your goals or perhaps you have not yet begun the journey. Need some inspiration and encouragement to get through those long days and sleepless nights? These quotes from high achievers and forever-believers will give you the push you need to hustle over hurdles and see setbacks as new starting points. Use their words of wisdom to one day pay it forward to the next generation of change-makers.

Leadership Expert Simon Sinek

Sinek i.ytimg.com

Simon Sinek is a TED speaker. "I try to find, celebrate and teach leaders how to build platforms that will inspire others," he says. One of his inspiring quotes below is an example of how like-minded people make the best employees.

"If you hire people just because they can do a job, they'll work for your money. But if you hire people who believe what you believe, they'll work for you with blood and sweat and tears."

Watch one of his eye-opening TED Talks, " How great leaders inspire action."

Vulnerability Researcher/Professor Brené Brown

Brown pi.tedcdn.com

Another expert who has impressed audiences with her TED Talk is Brené Brown, who “studies vulnerability, courage, authenticity, and shame. Her focus is on the “human connection" and how caring and criticism only make us better.

“Vulnerability is our most accurate measurement of courage."

"Vulnerability is the birthplace of innovation, creativity, and change."

It takes humility and modesty to rise to the top. Our “flaws" and “weaknesses" are what make us unique. Be open, honest, and kind to be the best version of yourself.

Watch Brown as she delivers her TED talk, “ The power of vulnerability."

Entrepreneur and CEO Gary Vaynerchuk

Vaynerchuk www.crainsnewyork.com

Gary Vaynerchuk is a big name in the entrepreneurial world. He's the CEO and co-founder of VaynerMedia, helping clients “drive their business outcomes with best-in-class modern video production, media planning, distribution, influencer marketing, etc."

He has been at it since his first ecommerce website – WineLibrary grew like wildfire. Since then, Vaynerchuk has spent his time speaking publicly, writing, investing (in Twitter and Uber, among other companies), and more.

Named one of Fortune's 40 Under 40, Vaynerchuk has accomplished so much so far, and now, at just 42, he has the world ahead of him. Below, he reminds us that we must be passionate about what we do in order to feel personally fulfilled and do the best job we can.

“If you don't believe in what you're doing, whether it's your personal brand or the product you represent, you need to get out NOW."

"You have to understand your own personal DNA. Don't do things because I do them or Steve Jobs or Mark Cuban tried it. You need to know your personal brand and stay true to it."

Need more inspiration? These famous folks have the experience and success under their belts to give you confidence on your journey, whatever your path may be.

Keller www.brainyquote.com

Mandela www.brainyquote.com

Rand www.brainyquote.com

Twain www.brainyquote.com

Robbins www.brainyquote.com

Success is a step away. As long as you keep reaching for new heights and striving for more, the possibilities are limitless. If these folks can do it, so can you!

Landscaping Options to Increase Your Home's Curb Appeal

Home garden and porch

As anyone who has ever sold a house will tell you, you must prioritize curb appeal. Before a potential buyer even considers looking inside your house, they notice the outside first. Does it attract the right kind of attention? Does it take away from the feel you're going for? If you plan to sell sometime soon, you must think about these things. Here are some landscaping options to increase your home's curb appeal, so you can get the best price on your home.

Extensive Plants and Greenery

A barren front yard won't get you the price you want on your home. So, invest in at least a little bit of greenery to keep the surrounding area from looking too dead. Shrubs and bushes tie the house to the lawn that precedes it, and flower beds bring a pop of color to an otherwise drab structure. You can also strategically plant some trees to improve the overall feel of your home's exterior.

Lawn Care

As we mentioned, your lawn is one of the most prominent features of your home's exterior. A patchy, dried-up lawn will quickly drive your home's price way down. Some of the best landscaping options for your home's curb appeal involve improving your lawn for the next inhabitant. Overall fertilization, ground aeration, underbrush removal, proper mowing—all of these lawn care tasks contribute to a greener and more lively area that invites people to see your house, rather than stay away from it.

Paved Pathways

There's nothing like a broken and disheveled pathway to make someone think twice about buying a property. Just as you want the entryway in your house to be welcoming, so too should the pathway leading up to the house be inviting. The pathway from the street to your front door provides plenty of real estate to get creative with. You don't have to settle for a boring concrete pathway. Consider something more eye catching, like a cobblestone path or intermittent brick patterns, as a way to better welcome potential buyers.

Usable Outdoor Furniture

Landscaping doesn't just involve the ground you walk on; also included are the items you use as extras to the overall look. Outdoor furniture is one such extra that you don't necessarily need but can look quite attractive if done correctly. Staging is important with outdoor furniture. Old, broken-down pieces will only look like more work to the potential buyer. A few comfortable chairs, a bench, or a table with an umbrella really go a long way to improving your outdoor aesthetics.

A good tip for deciding on curb appeal items is to decide what you personally would want to see as a part of a welcoming home's exterior. You don't need to go overboard, but a little bit of forethought could net you quite a lot of extra cash in the sale.

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Common Mistakes Made When Giving to Charity

Unfortunately, giving back can sometimes go haywire. If you're ready to make a donation, first consider common mistakes made when giving back.

Many people strive to support their community by donating their time or their money. When you find a meaningful cause, you might be quick to cut a donation check. Though it's admirable to be quick to act charitably, you should be wary of several common mistakes made when giving to charity. Being mindful of these mistakes and learning tips for making informed charitable choices can help you make the most out of your generous check.

Acting Quickly Out of Emotion

Mission statements are meant to be compelling. If you're an emotionally driven individual, it's natural to pull out your wallet at the sight of a sad puppy on TV or when informed about food insecurity over the phone. Unfortunately, not all charities are as effective or official as they may seem.

Take your passion for helping others one step further by making sure your chosen charity is legit. Speaking with a representative, reviewing their website and social media accounts, and looking at testaments online can give you a better idea of whether the organization is worth your donation.

Forgetting to Keep Record of the Donation

Don't forget that you can reap some financial perks from giving back! With the proper documentation of your donation, you can acquire a better tax deductible.

If you donate more than $12,400 as a single filer or $24,800 as one of two joint filers, you're eligible to deduct that amount from your taxes. So, when a charity asks if you'd like a receipt of donation, always answer yes.

Donating Unusable Materials

Most charities can utilize a monetary donation—it's the physical donations that usually cause some issues. Providing a local nonprofit with irrelevant materials or gifting them with unusable products are surprisingly common mistakes made when giving to charity.

Always check your intended charity's website for a list of things they do and do not accept. The majority of places will provide a guideline to donating or offer contact information to clarify any questions.

Strictly Giving at Year's End

As more and more people get into the holiday spirit at the end of the year, nonprofit organizations see an influx of donations. While it's great to spread holiday cheer via a monetary donation, it's important to keep that spirit going year-round.

With regular donations, charities can more effectively allocate their annual budget. Setting up an automatic monthly donation with the charity of your choosing can maximize your impact. You can account for a monthly donation by foregoing a costly coffee every once in a while.

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How Much You Should Spend on Home Maintenance

Knowing how much you should spend on home maintenance each year is hard to figure out and may be preventing you from buying your first home. The types of costs you'll incur depend on the house you buy and its location. The one certainty is that you should start saving now. Read on to figure out how much to start setting aside based on the home you own.

The Age of Your House

Consider several factors when budgeting for home repairs. If you've purchased a new home, your house likely won't require as much maintenance for a few years. Homes built 20 or more years ago are likely to require more maintenance, including replacing and keeping your windows clean. Further, depending on your home's location, weather can cause additional strain over time, so you may need to budget for more repairs.

The One-Percent Rule

An easy way to budget for home repairs is to follow the one-percent rule. Set aside one percent of your home's purchase price each year to cover maintenance costs. For instance, if you paid $200,000 for your home, you would set aside $2,000 each year. This plan is not foolproof. If you bought your home for a good deal during a buyer's market, your home could require more repairs than you've budgeted for.

The Square-Foot Rule

Easy to calculate, you can also budget for home maintenance by saving one dollar for every square foot of your home. This pricing method is more consistent than pricing it by how much you paid because the rate relies on the objective size of your home. Unfortunately, it does not consider inflation for the area where you live, so make sure you also budget for increased taxes and labor costs if you live in or near a city.

The Mix and Match Method

Since there is no infallible rule for how much you should spend on home maintenance, you can combine both methods to get an idea for a budget. Average your results from the square-foot rule and the one-percent rule to arrive at a budget that works for you. You should also increase your savings by 10 percent for each risk factor that affects your home, such as weather and age.

Holding on to savings is easier in theory than practice. Once you know how much you should spend on home maintenance, you'll know what to aim for and be more prepared for an emergency. If you are having trouble securing funds for home repairs, consider taking out a home equity loan, borrowing money from friends or family, or applying for funds through a home repair program through your local government for low-income individuals.