Real Estate

5 reasons why NOT saving for college is a good idea

Good. You caught me. In fact, most of the time not saving for college is a bad idea. Every once in a while I run into a parent who tells me that he’s not saving for college in order to increase his child’s chances of getting financial aid. The idea is that having money makes college and the government thinks you can pay for college and therefore no help is needed. This, to some extent, is true. If you have millions in the bank, I’d rather you don’t take my tax dollars and use them to put your kids through college so they can spend the money on first class tickets to Vail.

However, assuming that saving for college will ruin financial aid is short-sighted and makes too many assumptions. The first is that financial aid will be available for your child. We don’t know what the government will have in the way of aid in 5, 10 or 15 years. You should also realize that most financial “help” comes in the form of loans. It’s quite possible that you’re creating a situation where you’re burdening your kids with onerous loans they’ll struggle to pay back in exchange for a slightly better lifestyle now. I wouldn’t call that good financial planning.

Another reason saving won’t do much harm when it comes to aid is that the government knows you have more to save than just for college. If you save in your name instead of your child’s (including 529 College Savings Plans and Coverdell ESAs), less than 6% of the savings in those types of accounts will count toward financial aid. Yes, it counts a little against you, but not as much as assets held in the child’s name at 20%.

There’s a good reason not to save for college: You have bigger needs for that money. Note that I don’t say “if you can’t afford it”. That’s because determining affordability often comes down to seeing if there’s money left over at the end of the month. Most of us find ways to spend the money that is available. What we spend it on can be a true vital necessity, but it can also be a doubtful desire.

So what can take precedence over college savings? As a retirement planner, I like to see money set aside for when I can no longer work. Of course, food, clothing, and shelter also seem like necessities. But let’s be clear: You can spend $20, $40, or more than $100 on blue jeans. I’m thinking the $100 pair doesn’t count as a need.

In the end, though, some people just won’t be able to afford to save for college without falling short in other vital areas. That’s not selfish, it just is. But for the rest of us, it’s an area that deserves our attention.

Shopping Product Reviews

10 Tips to Relieve Sinus Inflammation

If you suffer from chronic sinusitis, it may not be as easy to treat your sinus inflammation. However, acute sinusitis does not usually require any medication and is relieved by natural home remedies. Chronic sinusitis lasts for months and often comes back easily. Doctors often find it difficult to cure chronic sinusitis, as symptoms continue even after taking antibiotics. Some patients are prescribed decongestants along with antibiotics and others are prescribed steroid nasal sprays with antibiotics. However, there may also be a problem with the structure of your nasal passage that results in recurring inflammation of the sinuses; or there may be a growth such as a polyp or cyst that can be treated with surgery.

Here are some natural home remedies to relieve inflammation and other symptoms.

  1. This remedy has been used for centuries and is very effective in relieving sinus inflammation. Add a few drops of eucalyptus oil or tea tree oil to boiling water and inhale the vapors at a towel store. You can also add mint or apple cider vinegar instead. It is a very good decongestant and helps relieve inflammation and thins mucus.
  2. Prepare a mild saline solution by mixing 1 teaspoon of sea salt in 1 cup of warm water and spray or add 2 drops into each nostril. Saline nasal sprays help relieve congestion and make breathing easier.
  3. Hot peppers like cayenne and jalapeno contain capsaicin, which is a great decongestant. Try to have some jalapeno peppers to drain the mucus and ease the pain.
  4. Apply warm compresses to the sinus areas to relieve sinus inflammation. Or stand under the hot shower and let the hot water hit your sinuses.
  5. Vitamin A helps relieve inflammation and also heals inflamed mucous membranes. Include carrots and apricots in your daily diet.
  6. Regularly irrigate your nasal passages with a neti pot or any other sinus flushing device. Make the solution by mixing a pinch of sea salt in ΒΌ cup of warm water, also add 4-5 drops of colloidal silver and liquid chlorophyll and for this solution in one nostril in such a way that it flows through the nostrils and out for the other. nostril. It not only relieves symptoms but also kills bacteria.
  7. Drink plenty of fluids, including 6-8 glasses of water, soup, broth.
  8. To strengthen your immune system and minimize inflammation, include foods rich in vitamin C in your diet. Like tomato soup, broccoli, freshly squeezed orange juice, red and green bell peppers.
  9. Consult an herbalist for the correct dosage and procedure for taking some very effective herbs such as bromelain, echinacea, and barberry. These have anti-inflammatory, antiviral, and antibacterial properties and are effective in relieving symptoms.
  10. Keep your head elevated on a stack of pillows while you sleep. Not only does this help keep your nasal passages open, it also prevents your sinuses from becoming irritated and inflamed.

These natural remedies help relieve inflammation of the sinuses. However, if you notice green discharge from the nose, fever, redness and swelling around the eyes, see your doctor right away.

Sports

The “Sergeant Schultz” syndrome

If you’re a fan of 1960s television, you’ll definitely remember the sitcom Hogan’s Heroes. If not, let me provide you with some background. It is set in a prisoner of war camp in Germany during World War II. Led by an American colonel named Hogan, a group of POWs manipulate a group of bumbling German guards and officers to sabotage the German war machine.

One of the main characters in this satire was Sergeant Schultz, a big beefy teddy bear on guard duty who could be easily bribed with food and ward off conflict like the plague. Every time he saw prisoners involved in some kind of evil, he would say, “I don’t see anything, I hear nothing, and I don’t know anything.” Schultz would then turn and walk away pretending nothing had happened.

Although the television series has been off the air for several years, the spirit of Sergeant Schultz lives on in the workplace.

Throughout my career I have come across several supervisors and managers who behave like Sergeant Schultz. They often put off any action because they want to avoid unpleasant discussions with employees or because they don’t want to risk angering employees. Sometimes they just wait and wonder if the problem is really worth mentioning. Other times they avoid taking corrective action because they feel they do not have the support of senior management. Sometimes, it is because they lack the skills and abilities to handle such situations.

However, in most situations, procrastination hurts the employee, management, and the organization. The longer an employee is allowed to perform at unacceptable levels, the more difficult it becomes to correct that performance. An employee who performs unacceptably damages his relationships with others and loses credibility. That credibility can be very difficult to regain if the problem continues for a long time.

Your credibility as a leader can also suffer, because you will eventually lose the respect and cooperation of your team if you try to avoid your responsibility to train to improve. Unchecked poor performance and unmonitored problem behaviors erode the standards you have set by confusing and frustrating employees who meet these standards.

Failure to correct a performance problem or work habits can also have far-reaching effects on every member of your team. If one employee doesn’t produce as expected or violates established work rules, it’s not fair to the others who must take over or who legitimately expect everyone to follow the rules.

I once worked in a place where Sergeant Schultz Syndrome flourished. It was a very unhealthy work environment. Unacceptable behavior was not controlled or challenged and thus became the norm. Employees and management had no respect for each other, absenteeism hovered around 25%, morale was abysmally low, and the business was suffering. There was no order or structure. It was as close to chaos as you could get. Needless to say, it took a great deal of energy and time to turn the situation around and make the behavioral changes that were required.

If you want to avoid this type of situation in your workplace, ban Sergeant Schultz. Exile him to Siberia. He’s a good guy, but as Leo Durocher, the late manager of the Chicago Cubs, once said: “Good guys finish last.” Nobody likes to finish last!!

Relationship

What the characters of The Catcher in the Rye tell us about Holden Caulfield

The main theme of The Catcher in the Rye is isolation, which is interesting coming from a guy who spills his guts out into the world for 200 pages. However, the contradiction perfectly characterizes Holden Caulfield; he can’t decide whether to get all his friends together for a round of drinks and chat or run off into the woods to get away Into-the-Wild style.

This is just the tip of an entire iceberg of narrative inconsistency. Holden hates fakers but lies constantly, hates Hollywood but pretends to be the star of a gangster movie, wants people to like him but intentionally irritates them for fun, and complains that everyone generalizes too much all the time. Holden’s narrative presence so completely dominates the story that it’s difficult to get an accurate reading of any situation, which means that everything that passes through Caulfield’s perception machine must be reverse-engineered before we can understand it. Let’s look at Holden’s relationships with the other two major characters in Catcher in the Rye.

phoebe caulfield

According to Holden Caulfield, Phoebe is the (second) best person ever (right after her little brother, Allie, who died of leukemia). She is the kindest, smartest, most beautiful and superlative sister a person could wish for. So what does this tell us? Nothing without proof. Here’s a more nuanced approach to the brother-sister relationship:

Exhibit A: Phoebe takes Holden seriously. When Holden says he’s going to “hitchhike out west,” Phoebe packs his suitcase, sneaks it out of the building, packs it up for the rest of the day, and meets him at the museum with his red hunting hat on and all. what they need except the getaway car. She compares that to the reception Holden receives when she asks Sally to run away with him. (She gets the running part, only in the wrong direction.) Which isn’t to say that running off with Sally would be a good idea, but the point is that pretty much everyone laughs/scolds Holden like he’s a complete idiot, which we (and Phoebe) know couldn’t be further from the truth. TRUE.

Test B: Phoebe gives Holden things. Which may not sound like much, except she’s the only person in the novel who does. Holden constantly lends/gives things to the people around him, who often don’t offer even a thank you in return. Only in the first ten chapters -and there are 26- he lets himself be fucked for a coat, an essay, a typewriter and drinks worth thirteen dollars. Phoebe, on the other hand, not only shows immense gratitude for his gifts (remember when she lovingly puts away the broken shards of the record in a drawer?), but she also lends Holden her Christmas savings when she finds out he’s broke and goes home. returns them. the red hunting hat from him when he feels sad. It’s a sad day when a 10-year-old boy shows more generosity than the entitled teenagers of an entire high school.

Test C: Phoebe wants to hear about Holden, even when she doesn’t want to. Holden hates that people “never notice anything,” and while he’s busy making brilliant behavioral and emotional observations about everyone he meets, they’re so busy trying to be impressive that they can’t think of anyone but themselves. . Phoebe, however, wants to know what time Holden arrived, what he’s doing, whether or not he’s coming to see her play, why he skipped a few days, what classes she flunked, and why he didn’t try harder. Even though she’s angry, Holden “could tell off the back of her neck that he was listening. He always listens when you say something to him.” Plus, she’s the only person who pays enough attention to notice that he got kicked out of school. Not bad sleep for a 10 year old.

Jane Gallagher

Aside from Allie, Jane is the novel’s most tantalizingly elusive figure; although Holden’s thoughts often wander to her, she never makes a physical appearance in The Catcher in the Rye. Holden is careful not to reveal too much about Jane, but it’s obvious he likes her. He maybe even loves her. Let’s review the evidence.

Exhibit A: Holden can’t get too sexy with her. According to his philosophy on sex (ie, sex is inherently demeaning), the only women in the novel that he sexualizes are the ones he can’t respect. Remember the stupid but pretty ballerina whose fantastic butt “moved so well and everything”? Or what about Holden’s friend, Luntz’s lover, in the “little blue dress that makes you nervous”? (Apparently, he has a type.) In contrast, the closest Holden comes to sexualizing Jane is revealing that he has a “fabulous figure,” but he only reveals this information because he suspects her stepfather is sexually abusing her. It’s true that Holden makes sure to avoid Jane in all this “crazy stuff,” but he remembers that the key word in “respectful distance” is “respectful.”

Test B: Jane keeps all her kings in the back row. Why is that important? It’s not, but the fact that Holden thinks that way says a lot about his dynamic. The things Holden thinks are important enough to tell us are that she plays checkers and golf, that her mouth is always open, that it’s great to hold hands, that her stepdad is a lousy hound, and that her sweater red “knocked him out.” Knowing that Stradlater doesn’t care about any of this (or if her name is Jane or Jean, for that matter) drives Holden up the wall.

Test C: Holden doesn’t complain about Jane. Not even once. And Holden complains about literally EVERYTHING except Allie. Even Phoebe “can be very snotty sometimes,” but when it comes to Jane’s faults, he’s suspiciously quiet. And coming from Holden, that’s saying something.

Technology

Top 10 Mobile App Development Companies

Mobile App Development Companies

If you are looking for a mobile app development company, you may be unsure of which one to choose. Here are a few of the best to consider. Intellectsoft, an Inc. 5000 company, specializes in software solutions that are customized to the needs of companies of all sizes. They offer specialized teams for different industries and have helped numerous brands and companies achieve real value. Among their primary clients are Universal, Audi, and Cognex.

MSApps has developed over a thousand applications for various industries. Their applications are clean and intuitive, and they excel at cross-platform apps. This mobile app development company also offers cloud-based and serverless app development. Fueled is a creative mobile app development company with extensive experience. They develop apps that generate revenue and accept input from their clients. Moreover, they also provide complete support for the applications once they are released.

Hakuna Matata Solutions Pvt. Ltd. is another popular name among Top 10 Mobile App Development Companies. The name itself means no worries, and they believe that the world’s growing dependency on mobiles can be optimized. These companies have a proven track record of success and have created a number of successful applications. While there are other top companies, there are some that are better than others. Here are some of the best:

To find the right mobile app development company, do extensive research on your market. Check out their application portfolio. It provides an extensive insight into their expertise in developing applications. The portfolio also provides a detailed analysis of the kinds of applications they have handled in the past. This way, you can judge the developer’s capacity to handle your requirements. If a company can’t answer your questions, move on. You’ll be glad you did.

Top 10 Mobile App Development Companies

AppFutura offers thousands of validated client reviews. You’ll get a true feel for the work of a particular mobile app development company by reading their reviews. Moreover, you can view the complete portfolios of each company on their profiles. These reviews can help you decide whether a certain company is worth your time and money. They can also provide valuable advice based on their experience. The final decision will depend on your goals and the type of mobile app development company that you choose.

Fluper claims to be a top mobile app development company in USA, UAE, and the United Kingdom. This company offers free project cost estimates and has worked with many Fortune 500 companies. Fluper claims to have developed applications for companies like American Express, the United Nations, Bloomberg, Columbia University, and the United States Patent Office. They even offer support for two years after an application has launched. As a matter of fact, most of their projects have reached over 10 million downloads.

While hiring a mobile app development company, always make sure to meet with the team behind the project. You want someone who understands your business and the goals of your organization. Make sure they have efficient testing and bug-fixing processes. The last thing you want is a mobile app that doesn’t work, but isn’t effective. It’s essential to find a company that understands your goals and pain points.