How to Live Off the Grid – Why You Should Do It & What You Need

Open frontiers, freedom to live one’s life without restrictions, and the romance of living in harmony with nature have long been part of the American psyche. Authors and filmmakers have captured the desire to live independently and rely solely on one’s abilities for centuries.

For example:

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  • Henry David Thoreau, a 19th century poet, writer, and naturalist, explained the fascination with a simple life in his 1854 book “Walden“: “I went to the woods because I wished to live deliberately, to front only the essential facts of life, and see if I could not learn what it had to teach, and not, when I came to die, discover that I had not lived.”

What Is the Dark Web – Who Uses It, Dangers & Precautions to Take

British Prime Minister David Cameron announced a new police/intelligence agency on December 10, 2014, to monitor the “Dark Web,” as reported by The Independent. According to Cameron, “The dark net is the next side of the problem, where pedophiles and perverts are sharing images, not using the normal parts of the Internet we all use.”

Independent web consultant Mark Stockley concurs, claiming in Naked Security that the dark web “attracts people who want to engage in things like robbery, sex trafficking, arms trafficking, terrorism and distributing child pornography.” In the International Business Times, writers Charles Paladin and Jeff Stone claim electronic goods, contract killers, guns, passports, fake IDs, and hackers for hire are readily available on the dark web, in addition to illegal drugs and child pornography.

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6 Reasons to Invest in Exchange Traded Funds (ETFs) Over Index Mutual Funds

What does the American Dream mean to you? For many, it means having financial security, and having the ability to provide an education to children, take care of parents, retire comfortably, or remain independent while growing old.

But achieving financial security is not easy. A 2015 Pew Research Poll suggests that more than half of Americans are not financially prepared for the unexpected, or otherwise spend more than they make each month. 8 of 10 Americans worry about their lack of savings. At the same time, most Americans recognize that regularly saving and investing a portion of their income is the foundation of financial security. While savings accounts are a critical component in an investment plan with their low risk and high liquidity, most investors need the higher potential returns of equity ownership.

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Choosing a Financial Planner vs. an Investment Advisor – What’s the Difference?

From 1998 to 2013, the number of Fortune 500 companies offering pensions to their employees fell from 60% to 24%, according to The Washington Post. With the decline of unionism and loss of employee bargaining power, corporate managements have aggressively replaced pensions with profit-sharing plans, essentially transferring the risk of retirement planning and investment management to their employees. It is possible that the Social Security program will be similarly transformed, making retirees responsible for investing funds through private accounts. However, the truth is that few people are prepared to manage their own retirement funds – as Howard Gold writes in MarketWatch, “Most investors have no idea of what they’re doing.”

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Is an Extended Warranty Worth the Cost? – When to Buy or Avoid

“Would you like the AppleCare Protection Plan for your computer?” asked the salesman. I had just purchased a new 27-inch iMac at my local Apple store. The plan, available for $169, would extend the manufacturer’s warranty from one to three years and would include technical support, as needed. The cost seemed reasonable, especially since I was spending more than $2,000 for the iMac. I had to ask myself, “Will I need the extra protection?”

How Extended Warranties Work

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5 Keys to Better Enjoy the Holiday Season With Your Family

If your holidays and family gatherings are stressful and often disappointing, it is time to try something new. Using the holidays to confront family members in yet another annual sparring match is a certain recipe for a ruined celebration.

Instead, look at the holiday season as an opportunity to make peace with estranged family members, experiment with low-stress celebrations, and put yourself and those you care most about first. Try employing the following tips to help you reduce stress and enjoy the festivities more than you have in years past.

How to Better Enjoy the Holidays

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3 Reasons to Attend a Foreign University Abroad – How to Choose the Right Program

According to USA Today, the number of U.S. undergraduates studying abroad was almost 290,000 in 2014. In fact, approximately 9% of U.S. undergraduates study abroad at some point. Attending a foreign university can be a life-changing and valuable experience for a number of reasons, not the least of which include developing a better understanding of different cultures and improved communication skills.

Recognizing these and other benefits, numerous American presidents have promoted the value of foreign education exchange programs:

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  • President Dwight D. Eisenhower advised on January 27, 1958, that “the exchange of students should be greatly expanded. Information and education are powerful forces in support of peace. Just as war begins in the minds of men, so does peace.”

Should I Join the Peace Corps? – Benefits & Drawbacks of Service

Want to see the world and experience other cultures? The Peace Corps may be right for you. Each year, approximately 15,000 to 18,000 Americans apply to serve. While locales vary from year to year, present opportunities range from the islands of Jamaica and the Dominican Republic, to the mountains of Nepal and Peru. Volunteers serve in China, Madagascar, South Africa, and 50 other countries around the world.

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10 Best U.S. Cities to Live In Without a Car – Benefits of a Car-Free Lifestyle

According to the 2015 edition of AAA’s Your Driving Costs, the average annual cost to own and operate a vehicle in the U.S. is $8,698. This includes fuel, maintenance, tires, auto insurance, license and registration fees, taxes, depreciation and finance charges – but not the cost of vehicle storage or parking your car at a meter.

Even a small sedan like a Honda Civic or Ford Focus can set you back $7,606 annually, while a large vehicle like a Ford Explorer or a Jeep Grand Cherokee has a yearly expense of $11,931. The cost of owning and operating a single car can exceed the monthly food costs for a family of four, while operating two cars in a family can generate costs greater than the average mortgage payment in the United States.

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How to Teach Kids Good Manners – 6 Benefits of Proper Etiquette

“Each new generation born is in effect an invasion of civilization by little barbarians, who must be civilized before it is too late.” Those words of American economist Thomas Sowell from his book “A Conflict of Visions” sometimes offend new parents who, looking at their precious bundle of joy, can’t imagine the stubbornness and temper tantrums that await them. Infants are born demanding their parents’ full attention. They are easily frustrated and often defiant. Fortunately, as they grow, they are capable of learning empathy, cooperation, and sharing – skills that are essential as they mature and interact with others.

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