Find potent tips on how to be savvi from Savvi Experts
If you are looking to buy or sell a home, your greatest ally can be the right real estate agent. The
trick, of course, is finding an agent that will do the job for you in a way that gets you both the best value and reduces the stress involved with this major transaction.
It will help if you remember that, in a very real way, you’re hiring the agent – they work for you and have a legal obligation to do so in a proper way. (The exact nature of the legal relationship varies from state to state – check with your state’s department of real estate for details.) Good ones, of course, want to go above and beyond the minimum legal requirements. Here’s how to spot the best ones.
By Suzanne Rowan Kelleher in Travel 1 week ago
Shall we start with the bad news or the worse news? Last year was the priciest year on record for gasoline, with the average gallon
selling for an all-time high of over $3.50. Unfortunately, the AAA says that we’re already on track for an even worse time of it in 2012, and predicts that we’ll see gas prices climb to $4 or more by summer.
But don’t cancel your visit to mom this weekend or your big summer road trip just yet. Driving can still beat the cost of air travel if you’re traveling as a couple or group and it’s important to know that you can significantly trim your travel costs with just a few minor tactical adjustments. Here are six easy ways to keep costs down on your summer road trip:
By Lexi Senior in Entertainment & Recreation 2 weeks ago
You get home from work. You’re tired, hungry and ready to kick your feet up and relax. What do you do? According to the US Bureau of Labor statistics, you turn on the TV. Last year people in the U.S. spent more than three hours a day watching TV – and spent almost a
grand doing it.
Your leisure time shouldn’t cost so much and there are some great alternatives to cable. So it’s time to get in control, get over that common cable addiction and cancel your cable.
Replace cable with Internet TV
There are many web programs that can hook you up with your favorite shows and movies for a tiny percentage of the cost of cable. For example, Netflix, Hulu Plus, and Amazon Prime Instant Video are huge money and time savers. Each of these programs are only about $8 a month and offer unlimited and instant streaming to almost any device you own, whether it be the TV, a smartphone, or a tablet. Compare that to your current monthly cable bills – you could have a subscription to all 3 services and still be saving money.
For example, if your monthly cable/phone bills costs $120 a month, replacing that with one of the aforementioned web programs for only $8 a month will save you 90% of the money you would have spent that year on cable. That’s over a $1000 in savings per year.
And the best part? Many web TV options offer no commercial viewing. The average TV show is 22 minutes. As in you waste the other 8 minutes that make the show a half an hour watching commercials. Replacing cable with internet powered TV is a foolproof way to cut down your spending on what you watch and still have access to the shows and movies you love most.
Get rid of your landline
Another perk of getting rid of cable is potentially saving the money you spent on a landline. Many Americans have a landline bundled in with their cable bill. It’s pretty likely that you have a cell phone. If you utilize all of the features of your cell phone – talk, text, data, music downloads – you’re likely spending over $1000 a year just for your cell. So why do you need to be paying for an extra phone that has none of those options?
The answer is simple: you probably don’t. Read the rest of this entry »
By Sara Elliott in Home & Garden 3 weeks ago
Vegetable gardening is on the rise in the U.S. and it doesn’t take a passel of horticulturalists and naturalists to see the benefits of turning a corner of
your yard, deck or patio into your own little salad station. The operative word here is “little” because one of the biggest trends in backyard gardening these days involves harvesting large yields from petite spaces.
Greening your outdoor spaces with edible plants makes good sense in a number of ways. A cost-analysis conducted by the Burpee Garden Seed Company (W. Atlee Burpee & Co.) in 2009, suggests that gardeners can net a 1 to 25 cost savings on home grown produce, even after buying the necessary soil enhancements. That makes preparing stir-fry made from bok choy and scallions grown in your own garden a very good deal.
Homegrown produce can be cultivated using fewer pesticides and other additives. You can also harvest the crops you grow when they’re ripe, and not on the large growers’ schedules when they’re still green but transport friendly. The U.S. Centers for Disease Control (CDC) has even recommended growing your own produce as an inexpensive way to adopt a healthier diet.
Let’s take a look at a few smart and convenient ways to grow a bumper crop of tomatoes when space is a factor: Read the rest of this entry »
By Jason Steele in Travel 4 weeks ago
What resident of this planet does not dream of visiting Africa? For example, several elephants and giraffe were surrounding the runway when our plane landed on a dirt strip in Kenya’s Masai Mara park, yet by the time my trip to Kenya and Uganda concluded, I realized that those animals were some of the least remarkable things I had witnessed.
A Kenyan Vacation
On this trip with my father, we had three reason for visiting Africa; vacation, adventure, and philanthropy. Kenya, our first stop, was truly a vacation. We stayed in Governor’s Camp Il Moran, a luxury safari tent camp in the heart of the Masai Mara National Park. Of course, when sleeping in a tent, you must contend with noise. In our case, the noises came not from the other guests, but from dozens of hippopotamus who make their home in the river just a few feet from where we slept. On a previous visit to this lodge, my mother had been woken up by an elephant just a few feet from her tent.
During the day, our driver took us in an open topped Range Rover through the park, where we viewed animals such as lion, leopard, cheetah, rhinoceros, ostrich, cape buffalo, impala, and countless other species. While the safari roads were fairly rough, each morning a few of the guests paid extra to ride in the ultimate safari vehicle, a hot air balloon.
A Uganda Adventure, and Aid
Uganda holds some of the most incredible sights in all of Africa including Lake Victoria, the continent’s largest body of water, the 15,000 foot Rwenzori Mountain Range, the tallest in Africa, and one of its most astounding waterfalls, Murchison Falls. But perhaps its greatest natural spectacle is the endangered Mountain Gorilla, of which fewer than 1,000 remain. While we looked forward to seeing these stunning sights, the ultimate purpose of our visit was to help bring clean water to a village that had none, and to donate bicycles to transform the lives of some of the residents my father had met on his last trip to Uganda. To that end, he had started the Clean Water Foundation, a small non-profit foundation.
Our Uganda adventure began near Murchison Falls, where the Nile squeezes through a 23 foot wide fissure and down a 140 foot drop. Ironically, it was the nearby village of Pandinga that faced a severe shortage of clean water. We were stunned to learn that we were the first westerners to ever visit there, and upon our arrival, we were greeted by hundreds of residents who had gathered to greet us. In an elaborate ceremony, they demonstrated their intense desire for clean water, and expressed their gratitude for our assistance. My father and I were truly humbled by the experience, and we are excited to commission at least one well there later this year.
The adventure continued in the Bwindi Impenetrable Park in Southern Uganda, three days drive from Murchison Falls. There, we trekked into the hills to view the rare Mountain Gorilla. At one point, we found ourselves witnessing a giant Silverback during the process of mating surrounded by a dozen others in his group. In between Gorilla treks, we had the opportunity to present new bicycles to several of the people of Buhoma, a village adjacent to the park. Far from an object of recreation, the bicycle is a critical tool for travel to work and to transport food and water.
Long after returning home, I am still trying to grasp the meaning of this trip. We had tremendous fun on safari in Kenaya, and seeing mountain gorillas in Uganda, but it was our interaction with the people of Pandinga and Buhoma that really affected us. Taking an epic trip offers the potential for excitement, relaxation, inspiration, but when you visit East Africa, prepare yourself to experience all of that and more.
How We Chose Our Accommodations
In the urban areas that we flew through, such as London, Nairobi, and Kampala, I was able to find western chains such as Hilton, Sheraton, and Crown Plaza hotels for reasonable prices between $100-$200. On several occasions, we found budget hotels in small cities in Uganda that we chose simply by driving past them. In the rural safari camps, it was harder to find low prices. Although Governor’s Camp Il Moran could not be considered budget accommodations, some splurging felt in order. Our tent camp in Buhoma was also pricey, although the Buhoma Community Rest Camp nearby is much less expensive. In choosing the lodging in Uganda, we relied on our driver and guide, Owingi Milton.
Travel Tips To Stay Safe And Avoid Scams
For the most part, we found that the merchants and people we met were very honest, and almost all of the difficulties we encountered stemmed from poor communication. Note that credit cards are not universally accepted in Uganda, especially in the rural areas. For that reason, you should take plenty of cash with you and all necessary precautions when carrying it. Fortunately, there are ATMs in most cities. As with any overseas trip, it is best to consult your travel physician to determine what diseases you will be at risk for and how to avoid them. The International Society of Travel Medicine has a list of travel clinics in your area.
The Best Time Of The Year To Visit
I visited in January during their dry season, but heavy rains occur from March to April and from September to November. The roads were in good shape but visibility in Uganda was low due to dust. Between July and October, the Great Migration of wildebeests can be seen in the Maasi Mara.
Gear To Bring
We took with us a small netbook, but with an aftermarket 12 hour battery. Likewise, we had a professional quality camera and lenses, as well as a small pocket camera and video camera. Savvi members looking for great travel gadgets, such as these, check out your local and online discounts. Cell phones are of little use unless you plan on renting a local SIM card. Two essentials are flashlights and bug repellent. Although the bugs weren’t too bad in the dry season, a little bit of replelent went a long way. A small, inexpensive LED flashlight with a few extra batteries is essential in a country with little reliable electricity.
Traveling to Africa can be a once in a lifetime experience. What’s on your travel ‘bucket list’ ?