3 Ways to Listen to Free Music Online – Downloads, Streaming & Radio

Back in the day, there were only two ways to listen to recorded music: You could turn on the radio and hear whatever song happened to be playing on your local station, or you could go down to the record store and buy a copy of your favorite songs on a vinyl disc.

Today, all this sounds terribly quaint. While it’s still possible to buy physical recordings on CD or vinyl, their sales are now outstripped by digital downloads, according to a report from the Recording Industry Association of America (RIAA). And Nielsen, a major consumer-research firm, reports that even sales of digital music downloads are on the decline, as Americans get more and more of their tunes through music streaming services.

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Cloth Diapers vs. Disposable – Cost, Types & How to Choose for Your Baby

Back when I was little, new parents had just one choice to make about diapers. They could use plain white cotton diapers, secured with safety pins and covered in plastic pants to protect against leaks, or they could use bulky, expensive disposable diapers. Cloth diapers were undeniably cheaper, but they were also a lot more work, and for working moms with kids in daycare, disposable was often the only option.

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Best 12 Things to Do in Costa Rica – Fun Vacation Activities on a Budget

Are you gearing up for your next spring break trip? If you’re set on taking a vacation that doesn’t require a passport renewal or long international flight, you can find plenty of popular U.S. vacation towns close to home. If your sights are set on a slightly more exotic destination, look south. Not too far south, but just beyond the gleaming waters of the Caribbean. There, straddling the Atlantic and Pacific Oceans, lies Costa Rica.

Costa Rica is a true diamond in the Central American rough. Situated between Nicaragua and Panama, it’s less than 100 miles wide in places – from the tops of the highest peaks, it’s possible to glimpse both the Atlantic and Pacific basins on a clear day.

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How to Avoid Sales Strategies at the Bank – 6 Things You Need to Know

Whether you go to a used car lot or a high-end boutique, you know that the employees are working on commission and are thoroughly trained to sell you products. However, did you know that the personal bankers at your local bank operate in much the same way?

Many folks think a bank is a service center for money essentials only, but they’re actually a form of retail stores – and their “services” are really products. Personal bankers are not merely customer service agents, but rather salesmen by a different name.

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21 Ideas to Repurpose Everyday Items to Solve Common Household Problems

For every minor household dilemma, it seems like there are numerous expensive products offering a solution. Perhaps you’ve been invaded by ants or fruit flies, or maybe all the stuffing has bunched up in your favorite comforter. Maybe you’re sick of throwing away perfectly good sliced apples that turned brown after being exposed to the air.

No matter how small the dilemma, you could still find yourself blowing your budget on specialized cleaners and gadgets that only serve one specific function. Or, you could save money by repurposing an inexpensive, everyday item and get the job done without spending unnecessary money. Here are a number of cheap solutions to potentially expensive problems.

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Difference Between Needs & Wants (Luxuries) and How to Draw the Line

Books and articles about living on a personal budget often emphasize the importance of cutting spending on luxuries. They say that by cutting out “frivolous” expenses, such as coffeehouse lattes or cable TV, you can save thousands of dollars each year. Financial writer David Bach has dubbed this concept “the latte factor.”

It’s pretty clear that the items listed above really are luxuries, while expenses like rent and utility bills are necessities. However, in other cases, the line between luxuries and necessities isn’t so clear.

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Minimum Income to Rent a 1-Bedroom Apartment in New York City Neighborhoods

Rent in New York City is famously expensive. We’ve all heard that those rent-controlled apartments on “Friends” and “Sex and the City” were not remotely realistic in terms of what the average 20- or 30-something could reasonably afford. According to Bustle, Monica’s two-bedroom apartment would easily rent for $5,000 – no small feat on a chef’s salary.

In order to get a better idea of what it truly costs to live in various areas of the city, it’s helpful to look at the average rent for a one-bedroom apartment by neighborhood. And it’s a rude awakening, to be sure.

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Best Work Clothes for Women – How to Build a Wardrobe on a Budget

Building a work wardrobe can be a daunting process – and it’s even more challenging if you’re working on a tight budget. With limited funds, it’s tempting to buy whatever is on sale and shop at stores with bargain prices. But while you might save money, you’re more likely to end up with a closet full of uncoordinated items that are difficult to wear.

To really save money on work clothing, it’s best to start out with the end in mind. Decide on a color palette for your wardrobe, invest in a small amount of neutral, timeless clothing staples, and always opt for quality over quantity.

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9 Valentine’s Day Ideas on a Budget – Affordable Gifts & Activities

Valentine’s Day can be a problem if you’re a middle class American on a tight personal budget. All the glittering store window displays and glossy magazine articles send the message that to express your love, you need to shell out big bucks for lavish bouquets, fancy jewelry, or big boxes of gourmet chocolates. With those big, bright “spend” signs everywhere, it’s easy to start worrying that if you show up with nothing but a warm smile and a handwritten card, you’re sending the message that you don’t really care.

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How to Baby-Proof Your House – Safety Checklist for Infants & Toddlers

When my son was a baby, I worried that he seemed to be taking a long time to start crawling. “Don’t worry,” fellow parent friends told me. “Soon enough, he’ll be crawling all over the place, and then you’ll have bigger things to worry about.”

Sure enough, they were right, and before I knew it, my anxiety had shifted from concerns over my son’s mobility to the fact that my house offered him far too many opportunities for injury. I realized I’d have no choice but to start the process of baby-proofing – and boy, was it a process.

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