Information Collection
For each registered user, we collect the consumer's screen name, e-mail address, IP address, country of residence, street address, and zip code. The information we collect is used to customize the content and/or layout of our page for each individual visitor and used by us to contact users regarding their account. This information is not shared with other organizations for commercial purposes without user consent. Unregistered users may use the portions of the PayPath site that do not require registration. The IP addresses of these users are stored.
In addition to personal information—as noted above—we may also collect information that is in no way personally identifiable. This may include your operating system, your internet browser, the domain name of your Internet service provider, and the web sites you visit directly before and after your visit to PayPath.com.
Online Ad Serving. PayPath and some of our advertisers use third-party advertising service companies to serve advertisements when you visit our sites. Often, these third-party advertising companies employ cookie, pixel tag and other technologies to measure the effectiveness of Web and e-mail advertisement and to create a record of interaction with our site content that they use in conjunction with their advertising which appears on other sites, or for reporting web site traffic, statistics, advertisement data and/or other activities on our sites. We will also engage third party providers to assist with the segmentation of this data. The specific providers we use are subject to change. As of the date of the posting of this policy, some of the current providers include DoubleClick and Google Analytics (for information about how to opt out of tracking methods for these entities and others click here).
How does PayPath use my collected information?
In order for PayPath to maintain and operate a site that is free of charge and does not require user registration, we display advertisements on our web site. The information you provide us is also used to help our advertisers target the specific audience they're trying to reach. Only PayPath.com, however, will have access to your personally identifiable information, and you will never be contacted by any party other than PayPath.com. The only exceptions to the foregoing are that we may disclose personally identifiable information (i) in response to legal process, for example, in response to a court order or subpoena, (ii) in response to a law enforcement agency's request, or where we believe it is necessary to investigate, prevent, or take actions regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of another person, violations of our terms of use, or as otherwise required by law, or (iii) in the event we are acquired by or merged with another company.
Other Information: Ad Serving and PayPath.
At times we display ads on our PayPath.com. When you visit PayPath or view ads that we serve off of our network elsewhere on the Internet, you may see multiple kinds of ads, such as text ads next to search results and graphical ads shown on web pages. Sometimes these ads are based on the content of the page on which they appear. Other times these ads are generated by matching the ad to your interests as inferred from your browsing activities collected online. Either way, Paypath tries to show you relevant ads, and to do so, we may use information we know or receive about you like your gender, location or interests.
Cookies
PayPath and third-party vendors use cookies to store visitors preferences, record session information, record user-specific information on what pages users access or visit, alert visitors to new areas that we think might be of interest to them when they return to our site, customize web page content based on visitors' browser type or other information that the visitor sends. If you would prefer that we not collect anonymous data that may be used to help determine which advertisements to serve you, opt out by clicking this icon AdChoices
Editorial Policy
The content of PayPath's emails is chosen completely at the discretion of the PayPath Editorial Team. No one can pay to change the opinions written in a PayPath email. Selling our editorial content would destroy the legitimacy, integrity, and fun of PayPath emails and would ruin the trust between PayPath and its users. On occasion we will send out "sponsored" emails on behalf of our advertisers, artists, or other music related enterprises that have something special to offer the PayPath community, these emails will be marked as sponsored.
Accessing and Changing Your Account Information
Registered users can review the personal information they provided to PayPath and make any desired changes to the information at any time by logging in to their account and editing the information on the account settings page. They can also close their account by contacting PayPath through the contact us page. Users may export their reviews and ratings data at any time using the tools provided by PayPath.
Email Opt Out
Registered users who have elected to receive PayPath email can choose to opt-out at any time by clicking on the "Unsubscribe" link at the bottom of any email. Users can also opt out from PayPath's email from the account section on the user's PayPath page. Further questions or comments regarding privacy can be directed to [email protected]
Security
We have put in place appropriate physical, electronic and managerial procedures to safeguard and help prevent unauthorized access, maintain data security and correctly use the information we collect.
Changes to the Privacy Policy
This Privacy Policy can change at any time and changes are effective upon posting. Please check back frequently for updates as it is your sole responsibility to be aware of changes. We do not provide notices of changes in any manner other than by posting the changes on this page.
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.
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.
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.
