How to Arrange Furniture in a Living Room and Better Utilize the Space in Your Home

Cluttered furniture with no traffic flowI have a very interesting layout in my home. It basically consists of one big living room that is opened up to a kitchen and eating area, and a hallway with three rooms and a bathroom attached to it. I’ve never really seen a home like it before, and it is part of the reason why we love it so much.

However, having a home that consists of one big room is not very practical once you throw some furniture into the mix. We struggle with how to split up the space while encouraging flow between the areas.

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New Amazon Kindle 3 Review – Is the Book Reader Worth the Money?

amazon kindle 3I have very few possessions that I treasure, mainly because I’m just not that attached to physical things. But without a second thought, I would put my Amazon Kindle into that very elite group of items I could not live without.

The price has come down considerably since the Kindle first came out. It’s now at, what I consider to be, an affordable $139. But many people are still wondering: is it worth the money? And perhaps even more importantly: could the Kindle save you money?

Well, the answer to that question depends on several factors.

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Kiva Microfinance Loans – Consider Loaning Money to Entrepreneurs in Developing Countries

Kiva lendeeMeet Esthere Uwamahoro. She’s 33 years old, married with two children, and lives in Kigali, Rwanda. She’s in the spare parts business, and she needs some help.

In short, she needs a micro-loan to help expand her business. Her hope is that if she has the money to buy more spare parts, she’ll have a wider selection to offer her customers. She wants her business to be successful so that she’ll be able to make more money for her family.

Normally, 99.99% of us would never hear about Esthere’s plight. How could we? We’re half way around the world.

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10 Best Indoor At Home Exercises & Workouts Without Equipment

man woman work outSome days, it’s just really difficult to go outside, especially in the winter months. It can be rainy or cold, and the sun may already set by the time you get off work.

So what are you going to do to get some exercise, especially if you don’t have a gym membership to rely on or want to stay healthy and exercise at home on a budget?

Here are 10 ideas for ways you can exercise indoors at home for free or on the cheap.

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Catalog Choice Review – How to Stop Junk Mail from Coming to Your House

Are you sick of getting a stack of catalogs in the mail? Are you tired of having a gigantic Yellow Pages book dumped on your front porch every few months?

Join the crowd. Junk mail is a serious problem in the US. Over 100 million trees are cut down to create our junk mail. According to Do Not Mail, that’s the equivalent of cutting down the entire Rocky Mountain National Park – every year.

Plus, we get over 10 billion pieces of unwanted junk mail a year – and that’s just in the United States. We’ll spend, on average, 8 months of our lives dealing with all this junk mail.

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How Your Credit History Can Cost You on Car Insurance – Get Your Auto Insurance Score

car insurance accident claimAuto insurance scores are finally starting to share some of the limelight with credit scores. Consumers are learning more about what this other credit scoring model is and how it could potentially raise or lower car insurance costs.

So what exactly is an auto insurance score? Here’s the lowdown on how auto insurance scores work, how “fair” are they, and what you should do about yours to improve your situation.

Why Does My Credit Affect How Much I Pay For Auto Insurance?

That’s the question most people wonder about auto insurance scores: how on earth is their credit rating related to their car insurance?

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5 Easy Home Improvement Projects & Upgrades For the Winter

paintIf you’re like most people, you’ve been spending a lot of time indoors lately. Unfortunately, there are several more months of winter to get through before we start seeing signs of spring.

Before you throw your hands up in despair, why not break the monotony by working on your house? After all, you’re stuck inside anyway, and you’re probably searching for something to do that doesn’t involve watching endless reruns of Glee while eating any carb that will stand still. Plus, some home improvement projects will increase your property value, save money on your utility bills, and potentially prevent larger, more expensive issues from developing.

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10 Steps for How to Get an Internship or Summer Job for College Students

How To Get A Summer Job Or InternshipIt’s January – which means it’s time to start working on getting a summer job or internship, especially if you’re currently a college student.

That’s right. If you’re planning on scoring a temporary job this year to gain some experience, now is the time to get started on the process. And the process, from the moment you decide that you want or need a summer job to the moment you accept an offer, can be stressful and challenging.

By starting early and following these 10 steps, you can greatly increase your chances of landing the perfect internship.

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How to Buy a Foreclosure Home or Property From a Bank – 5 Questions to Ask

foreclosure home for saleBuying a foreclosed house can be a very rewarding experience if you do your research diligently. I know because I was lucky enough to purchase one in the summer of 2010, after many months of house hunting. A new property is a huge investment for most people and as such, should be considered carefully.

In this article, I’ll summarize some of the key questions to think about before deciding to sign a purchase contract for a foreclosure. I’ll also add some of my own personal anecdotes and share parts of my experience. If you’re interested in buying a foreclosure home, these points are important to consider and can help you build a healthier financial portfolio.

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Personal Finance Round-Up: Making The Best Of A Bad Situation

frustrated manSometimes in life, we find ourselves in positions that may feel awkward and undesirable but is often necessary. For example, I’m sure that with the foreclosure rate in the US steadily climbing, many people are finding themselves in these very situations. They’ll need to do something about it even if it means swallowing their pride and moving back into their parents’ house.

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