How Millenials Can Effectively Save Money To Buy A New Home

Over the last 10 years several news stations have been flooded with news that the housing market was on a steady decline. As the housing market has slowly begun to shift into a healthier direction many realtors have made note that 2016 may be the best time for millennials to buy a new home.

If you poll the average millennial they will be prepared to give you a plethora of excuse on why they are not ready to purchase a new home. These excuses include: not having enough money to put down, being afraid of taking on a mortgage or even a bad credit score that needs to be rebuilt. While these are all very good reasons to rent vs. owning a home they are not good enough anymore.

A recent research study shows that a common myth of many potential home buyers is that they do not have 20% down for a down payment. While this may have been true many years ago it’s no longer necessary true. In fact, there are other ways to buy home including utilizing the services of companies such as Max Cash, a group of investors that buy distressed properties. There also several mortgage companies who now accept as little as 3 percent down for homes. Three percent may not be a small amount of money but it is more attainable for millennial home buyers who may not have that high paying job yet but it can be done by making a few small changes to your life:

Have a Budget

All homes are not created equal. Before you even begin to search for a new home decide how much you are willing to spend on a home. If you know you don’t intend on being in a home for your entire life don’t go out and look at million dollar homes. Be realistic with yourself and your future.

Ask for Support

One of the greatest assets to your home buying process is your support system. If you have a family member who has no problem loaning money to you so you can buy a home, use them to your advantage. Getting loans from family members can be sticky situations but if you know you will have no issue paying them back it might be best to use them as a resource before running to a bank.

Consider Downsizing First

Does your 2-person family need a 3-bedroom apartment? Probably not. If you are one of millions of Americans who is renting a larger space for comfort versus convenience, consider downsizing. Downsizing could potentially save you hundreds or even thousands of dollars for a few months as you look to stash some dollars to the side for your down payment.

Pick Up a Part Time Jobs

Most people already spend 40 hours a week working a full time job so working a part time job is far from ideal. If you do have the extra time to spare, consider picking up a part time job or even a side hustle to help you generate more income.

Are you a millennial who recently purchased a new home? What tips do you have for saving money?

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What if our political opposite isn't (actually) the devil …what then?

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Credit: Bonch Gurevich

by Jacob Z. Hess, Partner, Living Room Conversations

It used to be that friends and acquaintances were mystified at my interest in liberal-conservative dialogue – “why would you spend time on THAT?!…Whatever floats your boat, I guess.”

Not anymore. America is having a rude awakening about the value of dialogue and deliberation practices these days. REALITY itself has become their best advertisement.

At the center of the harshest rhetoric (from both sides of the political spectrum) is one essential claim:  Those Other People (on the other side) are dangerous. They cannot be trusted and do not have America’s best interest at heart (and if they say they do, they’re basically lying through their teeth…).

In short, Those People are Demons Incarnate…and must be treated as such.

More than simply deceived or short-sighted or corrupt or hateful, guess what? You Are The Devil. Or a Monster (Or Both!)

However silly that may all sound, let’s be honest:  most people actually believe adherents of that Other Political Party are the Great Evil facing society.

Is that true for you? If we’re honest, most of us might admit to harboring at least some of this accusation…am I wrong?

What if, fellow citizens of America, that caricature is simply NOT empirically, verifiably, actually TRUE?

What if closer examination revealed that (eureka!) people holding disparate socio-political views are equally good-hearted and care the same about ensuring America’s well-being….but (gasp) have very different ideas about what that requires!?

Thousands of years ago, one of the world’s earliest scientists invited people to try a ground-breaking experiment: to regularly sit in silence and turn towards (rather than away from) inner contradictions in body, mind and heart…..As people tried this radical act, they were surprised to find the gnawing tension inside us change. And insight arose…with suffering almost always decreasing too.

In recent years, the dialogue and deliberation community has been pleading – in every way we know how – to invite people towards a similar radical experiment: instead of avoiding painful questions, to begin sitting with our political opposites and turning towards the contradictions between us. Listening and getting curious…maybe with some chips and salsa thrown in just for kicks.

Why? Because we know from our own experience that this gnawing tension (between us) can change. Insight can arise and suffering decrease. As Public Conversations Project puts it, Shifts Happen!

As part of this, people often come away with the ground-breaking realization that thoughtful, good-hearted people disagree on pretty much…um, everything!

The existence of God?  Check.  Creation, evolution, sexuality, gender, identity, immigration, race, guns, policing, government, religion, education and health care?  Check, check, check, check….Greatest threats to our planet?  Big time check.

Do you want to know this for yourself? If so, it’s your lucky day:  because this Radical Experiment costs no money.  And requires only one night of missing The Walking Dead.

Are you up to it?

For most Americans, the answer is pretty simple:  NO.

Last year, we decided to try a full-court press. First, we made a press release to local newspapers and radio stations offering free consultation to anyone willing to try a Living Room Conversations (with anyone they wanted, on any topic). Next, I went knocking doors inviting people in my own neighborhood to give it a try. These were people I knew well and had grown up with (people who would have to buy girl scout cookies from my children).

The result?  I was turned down right and left (and in the middle too).  You would have thought I was inviting people to try an elective colonoscopy – “no seriously…it only hurts a little.”

I was baffled. Why so much resistance?

In the aftermath, Liz Joyner, national director of the Village Square told me, “Jacob, there is something we like about the polarization; something almost reassuring about knowing that Our Side is inherently superior to Those Demons.”

No wonder people didn’t want to talk! What I thought was an invitation to a nice neighborly interaction was, in fact, messing with some serious Tribal Dynamics. And those Tribes are in no mood to fraternize right now!

Like little kids who have been convinced there really are monsters under the bed, we’ve become almost scared of getting too close to each other (or just too angry).

Stewing in those bitter juices, no wonder we’d rather opt out. Why would anyone be crazy enough to Dialogue with the Devil?

Here’s why: Because chronic resentment hurts (a lot!) It does something to the body, the heart – and our overall health. That same scientist (called the Buddha) warned thousands of years ago that anger functions like a poison in the body and mind.

If he was right, America is now suffering from a poisoning epidemic on a vast scale.

If that’s true, the antidote isn’t going to come from a grand policy fix or a million dollar research and development team.

It’s going to come from you and me…and the space between us.

Are you ready?

If that still scares you, here’s our promise: If you can rustle a little courage to make this happen, your fear of Those People will decrease – with other things emerging: affection, interest…fun?

And best of all: the Demon Story will go away…for good.
 
That doesn’t mean the disagreements go away. In fact, some of the differences on our team of long-time dialogue partners are as real and serious as ever.  The difference is that, well, now we can actually talk about them!

And we do it all the time – and have a blast doing it! (Did I mention that we always come away with new insights on seemingly irresolvable problems too?)

Let’s do this, America! Believe it or not, there’s something WAY better than the creepy comfort of knowing the Other People in America are out to Destroy Us All.

It’s called Seeing Each Other. For Real. Outside of the Stories.

And outside those Demon Stories, guess what? Those People are pretty darn likeable.

It’s cheesy, but I’m going to say it anyway:  Let’s Make America See-Each-Other Again!

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The Original Captain Kirk Sets Phasers to Sick Burn

This is the Star Trek equivalent of “You’ve redecorated. I don’t like it,” and I can’t help but love it, as tired as jokes about reboot Trek and lens flares are.

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Reese Witherspoon's Idea Of The Afterlife Is Quite Beautiful

For some, the debate over whether there is life after death is still a question waiting to be resolved. But for actress Reese Witherspoon, heaven is more than an idea.

The 40-year-old actress opened up about her spiritual beliefs during a scene on comedian Chelsea Handler’s new Netflix show “Chelsea”, revealing a strong faith in the afterlife.

During the conversation, Handler asked Witherspoon what she thinks happens after people die.

“I think we go to heaven,” Witherspoon, who was reportedly raised Episcopalian, responded.  “I think you get an angel and the wings and the thing and the halo, the whole deal.”

The surety of Witherspoon’s faith prompted show host Chelsea Handler, who has identified as Jewish in the past but remains skeptical about religion, to share a story about her own encounters with the supernatural. The comedian spoke about how a psychic managed to channel the spirit of her late mother ― an event that almost convinced her to have faith in a higher power. 

But Witherspoon suggested she’s had experiences that have proven to her that death isn’t the end.

“This is just me, I really believe it,” Witherspoon said. “I’ve had car accidents, I’ve given birth to babies, I swear my grandparents are in the room. I’ve seen my grandfather in a theater in New York when I was on the stage. I know it.”

Listen to a clip above and tune in to “Chelsea” on Netflix for the entire conversation. 

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How My Stepson Changed The Way I Parent

I consider the bond I have built with my stepson to be one of the most important and meaningful relationships of my life. I also consider his presence in my life to be one of the major influences in how I parent my own daughter.

In the beginning of my step-parenting journey, I didn’t have my own children. I was able to devote a lot of time towards building a good foundation with my now stepson.

Before I even married my current partner, I had already taken on the “mom-like” duties of laundry, reading bedtime stories, and school pick-ups.

Once I became pregnant, everything changed — but not in the way I had anticipated.

I had worried that my soon-to-be baby would cause my stepson to feel abandoned and drive us apart. But that’s not what happened at all. The child growing inside me became a link to my stepson. His future baby sister tied us to one another in ways I could never have imagined.

He was included when we picked my daughter’s name. He talked to her while she was in my belly. He grew more excited as each day passed for her arrival. My daughter was already a star in my stepson’s eyes before she was even born.

Nevertheless, I still worried that the upcoming birth would stunt the relationship I had with my stepson and that all my effort would be lost with the 2 am feedings and constant need for attention from my baby.

But what happened was something else. When I was ready to have the baby, cringing with contractions in the hospital, my stepson insisted on visiting me. He was about 8 at this time.

There he came, walking into the room and right up to the machine next to my bed which monitored the size of my contractions. After a minute of looking at the machine and watching me squirm from the effects of a huge contraction, he stated, “Boy, that looked like a big one!”

Even in my intense pain, I managed a slight smile and literally fell in love with him a bit more.

After I gave birth, my stepson came back to see me and asked to climb into the hospital bed with me. Of course, I was pretty out of it, but I remember him giving me a hug and telling me, “Thank you.”

For his sister.

He’s almost a teenager now. The birth of my daughter brought out parts of our relationship we may never have experienced otherwise. He’s seen me grumpy, angry, crying, and running on 1 hour of sleep. He’s gone to countless doctor visits with us, waited for hours in the urgent care waiting rooms, and sat with his sister as she threw up in her car seat.

Basically, my stepson has seen me at my worst and has stood by and watched me as I stumbled through the experience of becoming a new mom. Little did he realize, at the same time, I was desperately struggling to be a great stepmom to him as well as working hard to be a positive role model. He definitely raised the bar.

Having my own child has taught me that the love I feel for my stepson and the love I feel for my own daughter is only separated by the fact that I did not carry my stepson in my belly or give birth to him. I also missed out on the first several years of his life before meeting him. Those are big things.

But going through the experience of having my own child has taught me that none of it would have been as sweet as it was if my stepson was not around. The role he plays in my life and his sister’s life is something that can never be replaced.

Through my stepson, I learned to be more patient, empathetic, and more aware of how we as parents can affect our children.

By watching my stepson go through difficult times not having his biological parents together, I was able to come to a better understanding of what that must be like and it caused me to strive harder at making sure this didn’t happen to our family unit.

The choice to be a step-parent was mine. Keep in mind, this is not the same thing as knowing what you’re getting into. You can never fully know what you’re getting into. You can simply commit to it and dive in.

I believe my stepson has molded me into the kind of parent I never thought I would be. He’s brought out the best in me and has given me the reassurance that I am and will be a strong parent for both him and his sister going forward.

More From Michelle: 5 Things Wives Should Know About Mistresses

Originally a Vancouver Island native, Michelle now resides in California where she is an ex-corporate slave, writer, artist, mother, stepmother, & wife.

Join Michelle as she explores society, parenting, step-parenting, health, beauty, relationships & much more.

Catch more at The Pondering Nook and The Pondering Nook’s Facebook page.

— This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website.

Stop Drinking Out of Starbucks’ Metal Straws

Starbucks has recalled 2.8 million of its stainless steel straws after reports of children cutting their mouths while drinking.

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Flamingo Dead After Busch Gardens Visitor Allegedly Threw Her To The Ground

A beloved flamingo at Busch Gardens in Tampa, Florida, had to be euthanized Tuesday after police say a park visitor attacked her.

Pinky, a female Chilean flamingo known for a distinctive style of walking that became known as the “Flamingo Flamenco,” was 19 years old, the Orlando Sentinel reports.

Joseph Anthony Corrao was at the park with his family around 6:45 p.m. Tuesday when he allegedly reached into Pinky’s pen, grabbed her and threw her to the ground. The zoo had to euthanize her because of her injuries, according to a Busch Gardens statement

“Pinky was a beloved member of the Busch Gardens Tampa Bay family and made many appearances on behalf of the park’s conservation and education efforts,” the statement read. “She will be sorely missed.”

Witnesses said that before picking up Pinky, Corrao picked up a different flamingo but put it down unharmed, according to local news station WFLA.

Zoo personnel say they never trained Pinky to perform her circular dance, but that she just started doing it on her own.

“While making an appearance with Jack Hanna, the team noticed that she was dancing on her own to get attention,” Busch Gardens spokeswoman Karen Varga-Sinka told the Orlando Sentinel. “Since then, she has danced for countless guests, school groups, media appearances and national television shows.”

Corrao was charged with animal cruelty and jailed on $2,000 bond.

At his first court appearance on Wednesday, Judge John Conrad said that the act “borders on depraved,” ABC Action News reports.

“I don’t know if you have other issues, but I don’t know who does that,” Conrad said.

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The Downside Of Political Correctness: Authentic Speech In The Age Of Trump

Here’s the problem with political correctness: If we tell people that it’s not OK for them to share certain thoughts and feelings, what happens to those thoughts and feelings? They don’t just go away. They don’t disappear simply because social norms make it verboten to give voice to them.

Those thoughts and feelings are stifled and suppressed, but not forgotten. They go underground — and when they go underground, they fester. They intensify. They grow — magnified by the frustration of not being allowed to express them. People may bite their tongues and refrain from saying negative things, but those thoughts and feelings are still very much alive — and they are toxic.

People don’t change their opinions just because those opinions are deemed unacceptable to share publicly. They hold onto them, keeping their opinions to themselves, until someone gives them permission to go public — which is exactly what Donald Trump has done.

Last year when he announced he was running for president, and commented about “Mexico sending us their drugs and rapists,” Trump gave others permission to cast off the muzzle of political correctness as well. For the first time in many years, people felt they could speak their minds.

Finally, after three decades of stifling political correctness norms, millions of Americans have found their voices, and it’s not a pretty sound. The fair-haired boy — the hero of disgruntled, resentful, angry, disappointed, fearful Americans — has made it OK for people to talk about what’s really on their minds. Because that’s what HE does — with no filter between his brain and his mouth, Trump is a walking, talking, stream of consciousness, a verbal lava flow of white-hot emotions, perceptions, and conspiracy theories. That’s one of the things his fans admire — he doesn’t self-censor. He isn’t strategic in crafting his message. He just says whatever comes into his head in the moment — letting the chips fall where they may. Millions of people want to do that same thing — speak their minds without fear of being shushed and shamed for being “politically incorrect.”

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(Photo: Randall Hill, Reuters)

A few days ago, former Secretary of Labor Robert Reich wrote: “Trump … supporters seem to have come out of nowhere, expressing in large numbers ideas far more extreme than anything that has risen to such popularity in recent memory. In South Carolina, a CBS News exit poll found that 75 percent of Republican voters supported banning Muslims from the United States. APPP poll found that a third of Trump voters support banning gays and lesbians from the country. Twenty percent said Lincoln shouldn’t have freed the slaves.”

Experts and pundits are surprised by these findings — but they shouldn’t be. These sentiments have been there all along — for decades. Folks simply weren’t allowed to express them. These beliefs and feelings were masked by a thin veneer of social acceptability.

Political correctness clamps a lid on our freedom to express our authentic thoughts and feelings to one another. Political correctness puts a damper on meaningful discussion of important issues, especially those related to race, ethnicity, race, culture, gender, religion, sexuality and other sensitive topics. Political correctness throws a wet blanket on any progress we might have made if we had felt free to share our feelings, our fears, our resentments, our hopes, our anxieties, our prejudices, our values and beliefs — to have an open discussion about what we really think and feel.

The proponents of political correctness are well-intentioned, to be sure. Their goal was to cultivate a cultural climate of mutual respect, tact, tolerance, and sensitivity to the feelings of others. The problem is, censuring people’s words does nothing to change their hearts and minds. I would argue that it probably does just the opposite.

Here’s the bottom line: How are we ever going to have authentic, meaningful conversations about sensitive issues of race, gender, religion, sexual orientation, cultural difference and values if we can’t talk about what’s really on our minds? How can we build bridges of understanding if we can’t speak openly?

Former NAACP chairman Julian Bond once said: “You hate to think you have to censor your language to meet other people’s lack of understanding. … As a nation the U.S. has a ‘hair-trigger sensibility’ on race that can be tripped by both real and false grievances.”

Are we really so fragile, so sensitive, that we can’t bear to hear someone else speak their truth, even if that truth is painful to hear? Do we need to be protected from each others’ perceptions, fears, anger and resentment? Are our “feelings” so delicate that we can’t bear to listen to the pain, confusion, and frustration that other carry in their hearts?

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In my consulting work over the years, I’ve noticed that when people in an organization can tell the truth about what’s really going on — about the important issues affecting them — the healthier that organization is. The same holds true for families — the more family members can tell each other the truth about their feelings and thoughts — the healthier that family is.

“You’re only as sick as your secrets,” psychologists tell us. Secrets eat away at our insides. Secrets are not conducive to healthy relationships — in business, in families, or in societies and countries. When we have to keep our true feelings secret, we are sickened by the suppression. We swallow the poison of our resentments, while hoping those we resent will die.

We will never rid our country of prejudice, racism, sexism, bigotry, and xenophobia by prohibiting uncomfortable, painful conversations.

Trump may have actually given us a gift by rejecting conventional norms of political correctness, and by removing the lid from the boiling cauldron of negative feelings shared by millions of our fellow citizens. Isn’t it better to KNOW how people really feel? Isn’t it healthier to air our feelings — especially negative feelings — so we can help one another face our fears, process our resentments, and work through our anger?

We humans crave order and security — we long to feel some sense of control in our lives. But the world is chaotic, unpredictable, fast-paced, and changing — rife with risks and dangers, both real and imagined. “Challenges to the existing order — diversity, influx of outsiders, breakdown of the old order — are experienced as personally threatening because they risk upending the status quo order [people] equate with basic security.” (Robert Reich)

That’s Trump’s appeal — he promises to take charge and make everything all right again. He names the monsters and bogeymen hiding under our beds and reassures us he will dispatch them once he’s in the White House. His promise to “Make America Great Again” offers his followers the hope of safety, security, law and order.

For decades, political correctness proponents have said, “Don’t share your true feelings and thoughts, especially if they’re negative. It’s not OK to say those things.” Donald Trump says, “I feel your pain. Tell me your troubles. Tell me where it hurts — and I will kiss your boo-boos and make them all better.”

By not allowing people to speak of their fear of “others,” their financial and social anxiety, their despair about the future, we have failed to deal with the chronic, soul-crushing pain that millions of Americans have been feeling for a long time.

The fact that the pundits and pols are surprised at the anger, fear, resentments, and faulty information our fellow citizens have been brooding over tells us that they are out of touch. And political correctness is one of the reasons they’re out of touch. Political correctness is one of the reasons we’re all out of touch — and surprised by Trump’s widespread popularity.

By not being willing to have uncomfortable and awkward conversations with one another — by not dealing with our negative perceptions and feelings, we have created the perfect conditions for someone like Trump to ascend to the role of hero of the disenfranchised and distressed. Political correctness has a down side, and we’re all seeing it … “big league.”

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BJ Gallagher is a Los Angeles diversity consultant and author of over 30 books, including an international best-seller, A Peacock in the Land of Penguins: A Fable About Creativity and Courage (Berrett-Koehler; 2015) now published in 23 languages.

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The 'This Is Fine' Dog Is Now a Stuffed Animal You Can Buy 

Everybody knows the “This is Fine” dog. It’s the meme of our generation. Because this is fine. It really is. Well, now you can buy a real life version of your favorite internet-famous cartoon dog. The creator of the comic has started a Kickstarter campaign to sell 13-inch plush dolls of the firey pooch.

Read more…

Supreme Court Blocks Order In Favor Of Trans Student Seeking Bathroom Access

WASHINGTON ― The Supreme Court on Wednesday put on hold a judge’s order that would have allowed a transgender student to use the boys’ restroom at his local high school in Virginia.

Gavin Grimm, the 17-year-old at the center of the case, won a significant appeals ruling in April that deferred to the federal government’s interpretation of Title IX, a federal law that bars school districts from discriminating on the basis of sex but doesn’t explicitly provide gender identity protections.

As a result of that decision, a federal judge in June ordered the Gloucester County School board to allow Grimm, who is now a senior in high school, to use the boys’ bathroom in the coming school year.

But after an unsuccessful bid to block the order, the school district asked the Supreme Court to intervene in an emergency fashion while it sought a more formal appeal ― a process that could take months.

Even though the court is currently on recess for the summer, five justices agreed to the request — Chief Justice John Roberts and Justices Anthony Kennedy, Samuel Alito, Clarence Thomas and Stephen Breyer ― but didn’t provide a reasoning for their move.

Of these, Breyer’s vote may come as a surprise to advocates, as the justice often sides with the court’s liberal wing. Justices Ruth Bader Ginsburg, Sonia Sotomayor and Elena Kagan would’ve left the order in favor of Grimm in place.

As if to explain his vote, Breyer wrote a brief concurrence to explain that he joined his more conservative colleagues “to preserve the status quo” and because the court is currently not in session.

“I vote to grant the application as a courtesy,” Breyer wrote.

Even though the court hasn’t formally added this case to its docket, this is the first time the Supreme Court enters the controversy of bathroom access in public spaces for transgender people.

Grimm’s case could be a linchpin on this front, even as other states and localities face off with the federal government over whether existing federal civil rights statutes shield trans individuals from discrimination in education and employment settings.

Among the issues that are central to the Grimm case and similar disputes in North Carolina and elsewhere is whether the Obama administration acted lawfully in its interpretation of Title IX, which conditions federal funding for schools on states and localities committing the law’s anti-discrimination provisions.

— This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website.