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Organizing your goals

Image: Balloon Coach

Thanks to Cindy Bernstein of Aim4Order for this episode of Tips from the Pros about organizing your goals.

As the year is coming to an end, thoughts turn to 2019 and what you can accomplish in the new year. Setting goals can be a challenge, but there are some ways to make it easier.

The first step is deciding what goals you want to achieve in the coming year before you figure out how to achieve them.

People who write down their goals are much more likely to make them happen. There are several ways to do that.

Make a list of the goals you want to achieve in the year, month-by-month or even week by week. You can break down the big goals into components that you need to accomplish in order to reach that goal...

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January Calendar of Events

January Calendar of Events

Lots of activities and events are happening in January around Baltimore. Get the scoop on what’s happening and where.


John Waters retrospective
Image: John Waters. Divine in Ecstasy. 1992. Collection of Amy and Zachary Lehman. © John Waters, Courtesy Marianne Boesky Gallery.

John Waters – Indecent Exposure through January 6, 2019. Retrospective organized by the BMA examines John Waters’s influential career.


Harry Houdini Exhibit in Baltimore at the Jewish Museum of MD
Image: Jewish Museum of MD

Inescapable: The Life and Legacy of Harry Houdini, on display now through January 21, 2019 at the Jewish Museum of Maryland.


Image: The Baltimore Remodeling Expo

The Baltimore Remodeling Expo will be on January 18-20, 2019 at the Baltimore Convention Center– Halls C&D (Sharp St Entrance)...

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How to Improve Your Indoor Air Quality this Winter

Thanks to Clean Sweep for this episode of Tips from the Pros about air quality.

Homes are designed to be energy-efficient over the cold winter months and block out heat in the summer. When frigid winds start outside, homeowners seal cracks in insulation and block out any drafts. However, those measures to keep heat in also seal in allergens and pollutants inside of the home. Indoor air quality can dramatically decline over the course of a single winter month.

What Pollutants and Allergens Impact Indoor Air Quality?

  • Mold and mildew
  • Pet dander and hair
  • Dust mites
  • Pollen
  • Germs, viruses and airborne bacteria
  • Tobacco smoke
  • VOCs (volatile organic compounds) that can be found in the bonding agents used for carpet, upholstery and paneling
  • Asbestos
  • Carbon monoxide
  • Lead
  • Household ...
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Wealth-Building Financial Goals for Every Stage of Life

wealth-building to work toward financial goals is important for all stages of life

If building wealth is among your aspirations for the year ahead, you will need some tips and idea. You might be looking for financial goals to set, depending on your age and stage of life.

In this Monthly Item of Value, get tips on where you should focus in each decade of your life. Although your priorities will surely change over time, the goal of continuing to build wealth may not.

In your 20s: Start saving and balance debt-to-income. 

In your 30s: Save as much as you can for large goals while you handle the demands of a growing family or caring for aging parents. 

In your 40s: This is your peak earning decade: Research shows pay growth peaks at 49 for college-educated men and 40 for college-educated women.*

In your 50s: Max out your savings and catch-up on savin...

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Everything You Need to Know About Self-Storage

Thanks to our friends at StorageUnits.org for this informative guest blog.

Storage space – you can never have enough. Clutter piles up, closets overflow and garages fill up quickly with your belongings. If you’re low on space, you don’t have to remodel your interior and add more closets. The simple solution is self-storage. With a self-storage unit, you can keep your stuff in a dedicated place away from home and have it nearby when you need it.

What is Self-Storage?

Self-storage comes in handy for anyone who needs to make space in their home or business. Storage facilities provide a convenient service for keeping and protecting your belongings in individual units...

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December Mortgage Rates

Thanks to Mark Hines of Fidelity Bank for this episode of Tips from the Pros about mortgages.

The Fed

As it now stands, the Fed has penciled in three 25 basis-point hikes in 2019.  However, the chances of those projected rate hikes actually seeing the light of day are declining rapidly.  While the Fed is expected to bump their short-term benchmark rates 25 basis points higher next week Wednesday — the futures markets are showing investors are now assigning 50-50 odds to the likelihood the Fed will raise rates even once in 2019. 

Believe it or not, the end of the tightening moves by the Fed is not particularly good news for the prospects of steady to lower mortgage interest rates...

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The Five Elements

In this issue of Tips from the Pros, here is a blog from Chuck Graham an acupuncturist.

The study of the 5 elements is the study of relationships in nature. It is, along with yin and yang, the basic philosophy of traditional Chinese medicine. The ancient Chinese observed these relationships in nature, and applied them to their understanding of the human body.

The five elements, Fire, Earth, Metal, Water and Wood, are not simply the foundation of this beautiful system of medicine: they are the foundation and spirit of all nature around us. The five elements are alive both around us and in us: they are a way to describe the movement of all life and all energy. They embody all the qualities that we encounter in Nature...

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How to Prepare Your Home for the Winter

In Tips from the Pros, here are some thoughts about weatherproofing your home for the cold weather from Chimney Sweep Maryland

Fall is here, and winter is right around the corner, which means that you should take some time to complete all of your regular fall maintenance tasks. Thankfully, Clean Sweep Maryland is here to help!

Check Your Slate Roofing

Fall is a great time to check your slate roofing for any issues since it’s months before the weight of snow will be pressing down upon it. Broken or missing shingles can lead to major problems and structural damage over the course of the winter. Your slate roof should also be checked for gaps in the flashing around your skylights, chimney and roof vents...

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Does cold weather affect your well?

In this issue of Tips from the Pros, WelGuard shares valuable information about the cold weather and your well.

Does cold weather affect your well?

Or, If the well is outside during the winter, why doesn’t the water freeze?

Cold conditions generally shorten the lives and usage of mechanical and electrical equipment used outside.  This generally includes all of the dozens of man made parts that make up a well.  But the answer to the question of cold affecting well performance is no – there is very little affect.

Cold has no apparent negative affect on the equipment and well, in part because the well is sealed/enclosed on the outside. Your well cap and casing serve as a bit of “insulation”, and this stops the cold air and rain from getting into the well, even when it is freezing cold outside.

The lateral p...

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Thin out your files

get rid of clutter with files, tips from the pros

Thanks to Cindy Bernstein of Aim4Order for this episode of Tips from the Pros about clutter and your mindset.

Even though a lot of our paper has been eliminated by the computer, there are still a lot of pieces of paper we have to deal with. Every now and then we need to take time to go through them to avoid towers of paper.

Invitations

Invitations, flyers, save the date cards from events that have already happened or are no longer needed are taking up valuable space. Time to recycle these things if they are no longer useful.

Art projects

You don’t need to keep kids’ artwork from last year (and earlier). Keep only the most spectacular items of your kids’ artwork and take photos of the rest. Hang onto them for a year or less so everyone has a chance to see them and then let them go...

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