5 Cheap Ways to Improve Your Rental Home Without Breaking the Lease

When you rent a property instead of owning it, it can be difficult to make the place feel like your own without violating the terms of your rental agreement. Fortunately, there are some simple, non-permanent ways to add a little personality and flair to your home without busting your budget. Start by reviewing your contract to see what is and isn’t allowed, and ask your landlord’s permission on anything that’s unclear.

Then, consider these non-permanent ways to freshen your space without frustrating your landlord or going broke.

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How to Shave With a Double-Edge Safety Razor – Save Money & Get a Better Shave

Having gained popularity during World War I, safety razors were once the shaving implement of choice – right up until the 1970s, when the disposable, multi-blade razor made its appearance. However, due to the high cost of today’s multi-blade replacement cartridges, the safety razor is now making a strong comeback with men of all ages.

A safety razor is a shaving implement with a blade guard that protects the user against deep cuts. Although it is safer to use than earlier shaving tools – such as the straight razor – the blades are extremely sharp, requiring caution.

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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.”

Drunk Driving Consequences – Criminal Penalties & Costs of Driving Under the Influence

Drunk driving is a serious crime that can affect otherwise law-abiding citizens anytime they get behind the wheel. It’s also a crime that can have deep-reaching financial consequences.

The Department of Transportation states that about four million adults reported having driven drunk at least once in 2010. Meanwhile, the FBI reports that drunk driving accounts for more than one million arrests or criminal charges each year, and is the third-most commonly charged crime in the United States after theft and drug-related offenses.

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Cyber Monday Online Shopping Guide 2015 – Best Websites & Deals

Black Friday  is traditionally the best day of the holiday shopping season to find great in-store deals on the year’s hottest consumer products. Retailers and customers have celebrated Black Friday for decades, and the rise of the Internet has brought much Black Friday shopping online.

Cyber Monday (which falls on the Monday after Black Friday) like Small Business Saturday is a newer tradition. It’s exclusively tailored to online shoppers, and has quickly become the biggest online shopping day of the holiday season.

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Black Friday Shopping Guide 2015 – Best Deals & Sales

Black Friday is the most popular retail holiday of the year. According to the National Retail Federation, 55.1% of all holiday shoppers – 133 million people – visited retail stores on Thanksgiving weekend 2014, many of them on Black Friday itself. Collectively, they spent about $51 billion, or more than $380 per person.

Why do so many people get up early and brave the Black Friday crowds? Because most retailers offer exceptional shopping deals that are difficult or impossible to find any other day of the year. Thanks to extended open hours and Thanksgiving evening blitzes at many retailers, it’s easier than ever to score great Black Friday deals without encountering crippling crowds or stress.

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How a Criminal Record Affects Your Finances & Your Life

When many people think of being convicted of a crime, they typically think of one thing: jail. However, incarceration is only one of the numerous potential consequences that a conviction can have on your life. Even if you’re never convicted (or are only convicted of a minor crime), your involvement with the criminal justice system can be stressful. Furthermore, it changes how you’re treated by society and permanently alters the course of your life.

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Financial Benefits of Marriage vs. Being Single – What’s Better?

Each year, about two million Americans get married, according to figures from the National Center for Health Statistics. No doubt all those newlyweds, or at least most of them, believe that tying the knot will make them happier. What they might not think about is whether it could also make them wealthier.

A 2005 study at Ohio State University (OSU) found that after getting married, people saw a sharp increase in their level of wealth. After 10 years of marriage, the couples reported an average net worth of around $43,000, compared to $11,000 for people who had stayed single. However, people who had married and then divorced were worse off than any other group. After a divorce, the average man was left with $8,500 in assets, while the average divorced woman had only $3,400.

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4 Holiday Entertaining & Party Ideas on a Tight Budget

In 2008, at the height of the recession, The New York Times ran a story about how to throw a “transcendent” holiday party on a stripped-down budget. Reporter Alex Williams contacted David Monn, an elite New York event planner who often puts together five- and six-figure bashes for the Hollywood A-list, and challenged him to plan a dinner party for eight in Williams’ West Village Apartment. His proposed budget for the entire event, including food, wine, and decor, was $30 a head.

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What Is Concierge Medicine (Direct Primary Care) – Pros & Cons

American healthcare is expensive, inefficient, and often doesn’t produce optimal outcomes. Concierge medicine, also known as direct primary care, helps address all three problems. Direct primary care is a fee-based care model that forges closer connections between patients and providers, encourages preventive and proactive care, reduces bureaucracy and overhead for physicians and health systems, and provides an alternative to increasingly expensive health insurance coverage.

An Imperfect Healthcare Status Quo

Healthcare is a big business in this country. According to HealthAffairs, healthcare spending accounted for 17.2% of total U.S. GDP in 2012. That marks a more than threefold increase from 1960, when healthcare spending comprised just 5% of the United States’ gross domestic product (GDP). And it’s far greater than healthcare’s contribution to GDP in other developed countries, where governments take more responsibility for healthcare delivery and aggressively regulate drug, procedure, and consultation pricing.

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