Pilates: Research Shows How This Low-Impact Workout Can Benefit Your Health

Pilates has seen a jump in popularity recently thanks to a spate of celebrity endorsements, including the Kardashians, model Hailey Bieber and actress Kate Hudson. Even elite athletes such as Cristiano Ronaldo and Andy Murray incorporate some form of pilates into their training to improve performance.

Pilates is said to be good for your balance, posture, strength and flexibility, as well as improving your core strength. And the best part about it is that anyone can do it, not just celebrities and athletes. But does research show that it’s as good for your health as many people claim?

There are two main types of pilates. The simplest is mat pilates – which you only need a yoga mat to do, and can be done both at home or in a class. The other type of pilates (which is becoming increasingly popular) is reformer pilates. This uses a specialised apparatus (called a reformer) – a bed-like frame with a flat platform on it.

The platform moves forward and backwards on wheels within the frame. The platform is attached to one end of the frame by springs and these produce tension. Most reformer pilates involves pushing or pulling the platform, or holding it steady as it’s pulled on by the strings. This movement engages several muscles – particularly the core.

What the evidence says

Pilates is a form of muscle strengthening exercise, which is well-known to be important for maintaining good health. Strength training is important as it helps us prevent the slow muscle deterioration that occurs as we get older. It also increases muscle mass, which can in turn increase metabolism – which is important for maintaining a healthy weight.

There’s some evidence that doing eight weeks of pilates for one hour a day, four times a week can increase metabolism and reduce obesity in obese women. In older adults, a review of research showed pilates training improved balance and helped prevent falls.

Another study even showed that inactive women who began performing only one hour of pilates a week for ten weeks had improved muscle mass, flexibility, balance and core strength. Research also shows that pilates may even be used to treat low back pain and improve balance in adults with multiple sclerosis and Parkinson’s’s disease.

The evidence shows us that pilates can certainly lead to several health benefits. While more intense types of strength training – such as weight lifting – are likely to confer even greater benefits, pilates can still be a great way for people to control their weight and build strength. The best part about it is that this workout can be done by almost anyone anywhere, and doesn’t require a lot of equipment or a gym membership.

Reformer v mat pilates

Among people who do pilates, there’s a lot of discussion about which type is superior: mat or reformer pilates.There’s actually little research out there comparing the two types. One study looking at the treatment of low back pain found that both reformer pilates and mat pilates worked equally well to improve back pain in people who did the workout for six weeks.

Both types also equally improved people’s ability to undertake daily activities, such as getting out of bed or doing the dishes. But when participants were followed up four and a half months later, the reformer pilates group continued to experience improvements in their daily life compared to the mat pilates group.

Another study from Brazil also showed both reformer pilates and mat pilates used the same number of muscles and activated them to the same extent – suggesting there’s no difference between the two methods, and that both are equally effective. But this conflicts with the findings of another study, which showed reformer pilates caused people to burn more calories (2.6 calories per minute) than mat Pilates (1.9 calories per minute).

The reason for the slight differences between these two types of pilates comes down to how they’re performed. While mat pilates uses your body weight as resistance during the movements, reformer pilates uses the unstable platform and springs to create resistance. This might create greater resistance and activate more muscles. Though this wasn’t supported by the Brazilian study, they only looked at one movement, so more research is needed.

Although research can’t quite agree on whether mat pilates or reformer pilates is better for you, that doesn’t mean that reformer pilates isn’t still great for your health. For example, one study showed that people who did reformer pilates for nine weeks had improved cholesterol levels and lower insulin resistance, suggesting that it can help maintain weight and lower the risk of certain diseases, such as type 2 diabetes.

As you can see, pilates is becoming popular for good reason as it provides many health benefits. People of all ages and abilities can do it, including pregnant women. How you decide to do it is entirely up to you, but if you have health difficulties or are pregnant, you may want to consult your doctor first.

By:

Source: Pilates: research shows how this low-impact workout can benefit your health

Critics by Eun-Ju Lim and Eun-Jung Hyun

This study investigates whether Pilates and yoga lead people to adopt generally health-promoting lifestyle elements and feel better about their physical and mental fitness. To this end, we designed an 8 week exercise program of Pilates and yoga reviewed by veteran practitioners and conducted an experimental study through which we collected the data from 90 volunteered adult subjects between ages 30 and 49 (mean age = 35.47), equally represented by women and men without previous experience with Pilates or yoga.

In the 8 week long experiment, we assigned the subjects to three groups, where subjects in the two exercise groups regularly took part in either Pilates or yoga classes, and the control group participated in neither exercise classes. All participants completed two surveys, the Health-Promoting Lifestyle Profile (HPLP II) and the Health Self-Rating Scale (HSRS), before and after their assigned program. In our analysis of pre- and post-treatment differences across the three groups, we ran ANOVA, ANCOVA, and Sheffé test, implemented using SPSS PASW Statistics 18.00.

Our results indicate that Pilates and yoga groups exhibited a higher engagement in health-promoting behaviors than the control group after the program. Subjective health status, measured with HSRS, also improved significantly among Pilates and yoga participants compared to those in the control group after the program. The supplementary analysis finds no significant gender-based difference in these impacts.

Overall, our results confirm that Pilates and yoga help recruit health-promoting behaviors in participants and engender positive beliefs about their subjective health status, thereby setting a positive reinforcement cycle in motion. By providing clear evidence that the promotion of Pilates or yoga can serve as an effective intervention strategy that helps individuals change behaviors adverse to their health, this study offers practical implications for healthcare professionals and public health officials alike.

Among many kinds of physical activity programs, it is noteworthy that Pilates and yoga have gained increasing popularity amongst the general public over the past two decades. Pilates and yoga are particularly appealing due to their direct benefits on physical wellbeing—including weight control and improved posture, flexibility, and cardiovascular function—that come with low risks of sports-related injuries

. According to an annual survey conducted by IDEA(International Dance Exercise Association) Fitness Programs and Equipment Survey in 2007, Pilates ranked sixth on the most frequently offered exercise programs, a vast improvement since 1999 . In the same year, yoga also ranked 13th, although its position has undergone gradual declines from its peak in 2002. In annual Fitness Trends Surveys carried out by a United States (US)-based association of Sports Medicine, Pilates and yoga have been frequently listed as Worldwide Fitness Trends since 2008.

Evidence of the direct health benefits of Pilates and yoga is growing. For example, some studies showed that regular engagement in Pilates is associated with a boost in functional autonomy, balance, flexibility, and muscle strength . Other studies show that regular yoga participation helped individuals alleviate muscle-related pains, especially among adults with sedentary lifestyles or suffering from chronic illnesses

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An Economist Studied Popular Finance Tips Some Might Be Leading You Astray

Managing your money is obviously an important part of being a responsible adult. But how should you do that? It turns out that there’s a large gulf between the advice given by the authors of popular finance books and academic economists.

In a new study titled “Popular Personal Financial Advice versus the Professors,” the Yale financial economist James Choi rummages through 50 of the most popular books on personal finance to see how their tips square with traditional economic thinking. It’s like a cage match: Finance thinkfluencers vs economists dueling over what you should do with your money.

And, yes, Choi is an economist, but he may be a more impartial referee of this smackdown than you’d think. That’s because he’s a behavioral economist who doesn’t swallow the canon of old-school economics hook, line, and sinker. Traditional economic models portray humans as hyper-rational, disciplined creatures, who always make optimal financial choices for themselves. Behavioral economics, which has pretty much taken over the field, emphasizes that people are quirky, often irrational, and prone to errors.

In a way, Choi says, behavioral economists like him try to help people overcome their shortcomings and achieve their financial goals as if they were the savvy creatures of old-school theory. And so, he says, classic economic theory may still provide a good overall guide for how to maximize your financial well-being. But, Choi says, the advice of popular finance thinkfluencers, who tend to concentrate on helping us overcome our flaws and foibles, might actually be more effective in some cases.

So, who’s right in this financial royal rumble? The authors of self-help finance books or the stalwarts of traditional economic theory? While Choi doesn’t always provide definitive answers, this debate might spark some ideas on how you can more effectively handle your finances.

How Should You Save Money?

When it comes to saving money, many economists offer somewhat counterintuitive — and, dare I say, potentially irresponsible — advice: if you’re young and on a solid career track, you might consider spending more and saving less right now.

That’s because you’re likely going to earn a bigger paycheck when you’re older, and to really squeeze the enjoyment out of life, it might make sense to live a bit beyond your means at the moment and borrow from your future, richer self. Economists call this “consumption smoothing,” and it’s a feature of standard economic models of how rational people save and invest over their lifetime.

The idea, Choi says, is “you don’t want to be starving in one period and overindulged in the next. You want to smooth that over time.” The sort of ideal scenario: you start off adulthood saving little or nothing or even taking on debt, then you save a lot during your prime-age earning years, and then you spend those savings when you retire.

“I tell my MBA students, ‘You of all people should feel the least amount of guilt of having credit card debt, because your income is fairly low right now but it will be, predictably, fairly high in the very near future,'” Choi says. Once they start making money, he says, they should probably pay down that debt quickly since credit card companies charge high interest rates.

Reading through popular finance books, however, Choi finds that the vast majority of popular authors offer advice that contradicts this approach: throughout your life, the thinkfluencers say, your goal should be to live within your means and save a consistent percentage of your income. It doesn’t matter if you’re 20 or 30 or 50; they implore you to stash money away immediately and invest it for your future.

In arguing this, the thinkfluencers often cite the power of compound interest. The longer you save money, the more interest it accrues. As a result, wealth snowballs over time, so saving a large percentage earlier could make a lot of sense.

Of course, economists also recognize the power of compound interest. Where thinkfluencers and old-school economics really depart from each other, Choi says, is “the usefulness of establishing saving consistently as a discipline,” Choi says. This motivation, he says, “is almost always missing from economic models of optimal saving — [and is] a potentially important oversight.” In other words, some of us might need to adopt hard-and-fast saving rules at a young age to develop the discipline needed to lead more affluent lives, even if that’s less than optimal from a traditional economic perspective.

So who wins on this point? “I’m actually agnostic about it,” Choi says. “On the one hand, I do have a lot of sympathy for the view that you might be unnecessarily depriving yourself in your twenties and even thirties when, very predictably, your income will likely be much higher in later decades. That being said, I do think that there is something to this notion of being disciplined and learning to live within your means at a young age.”

How Should You Think About Your Budget?

In old-school economics, money is money. It’s fungible. There is no reason to put labels on it. Absent some financially advantageous reason to do so (like the ability to get subsidies or a lower tax rate), it doesn’t make sense to set aside savings for specific purposes, like a new car or a future vacation or a down payment on a house. A dollar is a dollar.

Of course, many people don’t think this way. They often do what behavioral economists call “mental accounting,” earmarking special money for this and that. “In more extreme versions of mental accounting, you cannot use the money that you’re saving for your Hawaii vacation for the down payment on your future house,” Choi says.

Choi finds that 17 of the 50 books he read through advocate for some sort of mental accounting exercise. And, he says, this advice might actually make sense. It makes financial calculations easier for people and may motivate them to accomplish their goals.

Should You Be “House Rich, Cash Poor”?

Many Americans live in enormous houses and are stretched thin paying for them. While their house is a valuable asset, and they’re technically pretty rich, they’re just squeaking by, living paycheck to paycheck. People generally refer to this as “house rich, cash poor.”

Choi says both popular financial advisers and most economists are pretty clear: don’t do this! Don’t buy a house you can’t really afford. That can be super stressful and potentially ruinous.

How Much Of Your Money Should Be In Stocks?

Choi says that popular advisors and economists also generally agree that when you’re young, you should invest most of your money in stocks and only a little bit in bonds. Moreover, Choi says, both camps agree that as you get older, you should get more conservative, rebalancing your portfolio away from stocks and more towards bonds because stocks are riskier than bonds. But, Choi says, while both of these groups advise people to do the same thing with their investments over time, their reasoning for doing so is very different.

Generally speaking, popular financial advisers say that, while stocks are risky in the short run, you should invest mostly in them when you’re young because they earn higher returns than bonds over the long run. “The popular belief is that the stock market is kind of guaranteed to go up if you just hold onto it for long enough,” Choi says. “Now, this is just not true. And you can see this in Italy and Japan. In Japan, the stock market still hasn’t recovered to the level it was back in 1989. So it’s not true that stocks will always win over the long run. Bad things can happen.”

But while popular authors may discount this risk over the long term, their advice recognizes that holding stocks is risky in the short term. That’s why they argue that, as you get closer to retirement, you should get out of stocks and go into bonds, which are generally less risky. A popular rule of thumb: 100 minus your age is the percentage of your portfolio that should be in stocks. The remainder should be in bonds. So if you’re 30, you should be 70 percent in stocks and 30 percent in bonds.

While economists agree that you should get more conservative over time with your financial portfolio, Choi says, their reasoning is more nuanced.

“For almost all working people, the major economic asset they have is their future wage income,” Choi says. In other words, think of your work skills (your “human capital”) as part of your financial portfolio. It’s like the biggest form of wealth you own, and it’s generally safer than stocks or even bonds. When you’re young, this safer form of wealth is a huge part of your portfolio, so you can balance it with risky stocks.

Sure the stock market might crash, but you still have the security of being able to earn money at your job for many more years. As you get closer to retirement, this safer asset, your labor, represents a much smaller part of your portfolio — and that makes it much more scary to be all-in on risky stocks. “That’s why you should become more conservative in your financial portfolio allocation over time,” Choi says.

Should You Care Whether Stocks Pay Dividends?

Choi says there are some popular financial books that advise people to buy stocks that pay dividends. For the uninitiated, dividends are checks that companies send to their shareholders typically every quarter. “There seems to be this fascination with generating ‘income’ from your investments,” Choi says.

Economists, generally speaking, think this is dumb. “If I need to spend some money from my wealth, I don’t need to wait for the company to send me a check,” Choi says. “I can just sell some shares and use the proceeds from that sale to finance my expenditure needs. And so there should be no reason why I prefer stocks that pay dividends versus stocks that don’t pay dividends. And in fact, dividends are tax-disadvantaged. So, a stock that pays dividends is going to put a bigger tax burden on you, all else equal, than a stock that doesn’t pay dividends.”

Choi is with Team Economist on this one.

Should You Invest In Foreign Stock Markets?

Economic theory stresses the importance of diversifying your investments. This, Choi says, is true of diversifying the countries you invest in, too. Theoretically, the more countries you invest in, the less risky your investment portfolio will be. Some countries will do well. Others will do poorly. “So economic theory would say you want a diversified portfolio that holds a bit of every country’s stock market in the world,” Choi says.

But people don’t do this. They exhibit what economists call “home bias.” The French are more likely to invest in French companies. The Japanese are more likely to invest in Japanese companies, and so on. This has long been a puzzle to economists. The answer may lie in the almost universal support for ‘investing at home’ among the thinkfluencers. “The striking thing about the popular authors is that they all recommend home-biased portfolios,” Choi says. Choi isn’t really sure whether this makes much sense. “It just seems to be a little bit of jingoism, where people just like the stocks that they are familiar with.”

Should You Invest In Actively Managed Funds or Passive Index Funds?

Actively managed funds are those where you pay an expert to pick and choose stocks for you. These fund managers charge big fees with the promise of higher returns. Index funds have nobody actively picking and choosing investments for you. These funds simply passively hold a small piece of each major company in the stock market, thereby earning the overall average market return.

Economists and thinkfluencers agree on this one, too. “Everybody basically says you should go with index funds,” Choi says. “The data are pretty compelling. On average, passive funds outperform actively managed funds.”

Choi’s Big Takeaway

So who wins? The thinkfluencers or the economists? Economists, Choi suggests, may know a lot about how people should act. But, as an empirically minded behavioral economist, Choi recognizes that people often don’t act this way. And that’s where he has a degree of sympathy for the popular authors. “Given that we have all these quirks and frailties, we might have to resort to strategies that are less than perfect.”

“I think of it in terms of diet,” Choi says. “The best diet is the one that you can stick to. Economic theory might be saying you need to be eating skinless chicken breasts and steamed vegetables for the rest of your life and nothing else. That’s going to be the best for your health. And, really, very few people will actually do that.” He certainly has that right.

By:

Source: An economist studied popular finance tips. Some might be leading you astray : Planet Money : NPR

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Is It the ‘Single Worst Time To Buy Real Estate in History’? Depends on Who You Ask

There’s a reason why the phrase “timing is everything” doesn’t make us cringe quite as hard as other real estate cliches. (We’re looking at you, “location, location, location.”) Here’s why: It’s accurate. Homebuyers are always trying to time the real estate market so they can make the best possible deal—and it’s often difficult to do.

Time is the common thread between questions about mortgage rates (Should I lock in my mortgage rate now before they rise in a month’s time?), housing inventory (Should I put off buying until next month to see if there are more houses for sale?), and even relocating (Should we buy now so we can move before the new school year starts?).

At the current moment, homebuyers face a perplexing mix of realities: mortgage rates are still up and inflation is still putting pressure on everyone’s bottom line, but the median listing price actually fell (yes, fell) to $435,000 in August, down from an all-time high of $450,000 in June. So with all these question marks in the air, it’s hard not to wonder if it would be downright foolish to buy a house right now, or if the timing is actually good.

This week we clocked a particularly interesting discussion floating around on the r/RealEstate subreddit after one user posted the following question point-blank: “I was just told it’s the single worst time to buy real estate in U.S. history. How far off are they?”Reddit users chimed in with a variety of entertaining hot takes and personal anecdotes on the matter.

What experts think about buying a house right now

We’ve heard what the people have to say, now let’s bring a little data into the mix.“It’s true that home prices are high in 2022, so that perspective suggests that now might not be a great time to buy,” says Realtor.com Chief Economist Danielle Hale. “On top of that, the cost to borrow money right now—the interest rate you’ll pay on a mortgage—is also not far off of its highest level in more than 13 years.

This means that borrowing to buy a home is more expensive than it has been.”But Hale says these shouldn’t be buyers’ only considerations. With rents at an all-time high and still rising, buying a home and being your own landlord has advantages.

“You may think of owning a house as not having to pay rent, but economists view this as paying rent to yourself,” says Hale. “Taking on a mortgage with a fixed rate of interest (at least for a period of time) means that the homeowner has locked in the lion’s share of their housing costs—a nice hedge against inflation that is still running at just under 9%.”

She says that even if you don’t see any future home price appreciation, it can make more sense to buy than rent, especially in markets where the monthly cost of owning a home is lower than the monthly cost of rent.

“There aren’t as many of those markets, but there are still some, predominantly in the South and Midwest, as we found in our recent rental report,” Hale says.

Is it a good or bad time to buy a house?

With that information in mind, let’s go back to our initial question: Is now the worst time in history to buy a house?

“The data points to the ‘worst’ being behind us,” says Hale. “The number of homes for sale is up more than 26% compared to one year ago, which means that today’s shoppers have more homes to choose from than last year’s shoppers. Perhaps more importantly, the share of sellers making a price cut has risen, suggesting that today’s shoppers may have more negotiating room than before.”

Hale does acknowledge that homes are still more expensive than last year, but the price growth rate is slowing and is likely to slow further. Another positive indicator for buyers? Homes are lingering on the market longer.

“Time on market is beginning to increase, signaling that the days of having to make an offer as soon as possible—perhaps even before seeing the home—are behind us,” Hale says.Ultimately, buying a home is a wholly personal decision and the right timing varies from buyer to buyer.

“While market conditions couldn’t be called the best for buyers, they are somewhat improved,” says Hale. “Each of these indicators points to better balance than the housing market has seen over the last year, an advantage for today’s shoppers.”

By Natalie Way

Natalie Way is the senior editor at Realtor.com who covers news and advice stories about real estate, design, and celebrity homes. Natalie produces and co-hosts the “House Party” podcast. She can be reached at natalie.way@move.com.

Source: Is It the ‘Single Worst Time To Buy Real Estate in History’? Depends on Who You Ask

Critics By Michael Yardney

Property investment is a process, not just an event. So rather than just talking about going out and buying a property in 2022, the right time for you to consider investing is when you have all your ducks in a row.

This means you have:

  • a strategic property plan, so you know where you’re heading and what you need to do to achieve your financial goals,
  • set up the right ownership structures to protect your assets and legally minimise your tax,
  • a robust finance strategy with a rainy day buffer in place to buy you time

Of course, for some 2022 will be a great year to invest, but in a moment I’ll explain why that will not be the case for others. Sure interest rates are rising, but there is more to property price growth than that. It’s likely that you’ve heard me talk about the drivers of property price growth over the years.

There are so many things that determine a property’s price performance and growth trajectory, many of which are well outside of your control, and some of which also have nothing to do with the property itself. These include, but are not limited to:

  1. The economy – the performance and state of the broader economy impact people’s ability to buy and sell property as well as …
  2. Consumer Confidence – when people feel comfortable about their financial situation and their future job prospects they are more likely to make big purchases like moving home or buying an investment property.
  3. Employment levels – if the community at large is experiencing high levels of unemployment, then fewer people can afford to pay a mortgage, which reduces demand for property
  4. Government policy – aspects to do with tax, depreciation, and homeownership grants will work to boost or reduce demand for property, particularly new property in recent years, which is where the federal government’s primary agenda has been.
  5. Population growth – or household formation to be more exact, as when more people move into an area this equals more demand for housing, whether it’s to buy or rent.
  6. Local Demographics – things like average incomes, average age, household structure, crime rates, and employment opportunities.
  7. Supply – The basic economic principle of supply and demand is a fundamental property market driver of price growth.
  8. Availability of credit – property investment is a game of finance with some houses thrown in the middle, but even owner-occupier demand is very much driven by the availability of finance and the cost of money, in other words, interest rates.

Now, as a result of these factors – which are by no means an exhaustive list, but they give you a general indication of some of the major influences on property prices – our property markets move through cycles, from booms to busts and back again.

Last year rising property values around Australia were driven by a combination of pent-up demand and historically low-interest rates leading to FOMO (fear of missing out), which led many home buyers and investors to make take shortcuts just to get in the market.

.

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7 Surprisingly Easy Ways To Reach Retirement Goals

It’s never too early, or too late, to start thinking about your retirement goals. No matter if you’re hoping to retire early or work until you can’t any longer, having a plan for how you can retire comfortably is essential.

Get started on these steps right now so you can reach your retirement goals.

1. Have A Professional Review Your Plan

If you’re fortunate enough to have plenty of retirement savings and investments, now is the time to futureproof your funds. But that takes time and skills that most don’t have, so the best option is to turn to a professional financial advisor. The hard part is finding the right one.

WiserAdvisor does all that work for you, matching you to the best financial advisor for your specific situation so you get in an expert in the areas you need.

There’s no cost to you and no obligation to hire the advisor, so there’s not much to lose.

2. Keep An Emergency Fund

Common wisdom suggests you should keep three to six months of expenses in an emergency fund. Once you retire, however, you’ll likely want to bump up that amount. Generally speaking, accidents occur more often as you age, whether through accidental falls, reduction in driving abilities, loss of general dexterity or simply through spending more time at home rather than in an office. The best way to plan for emergency expenses in retirement is to build up your nest egg while you’re working, rather than making it a monthly line item in your budget.

Sign up for a new SoFi Checking and Savings Account today so that you can start stashing cash. You can earn a cash bonus of up to $300 with direct deposit and you can get up to 2.00% APY (Annual Percentage Yield) on all checking and savings balances with no balance cap restrictions*.

Plus, there are overdraft fees, no minimum balance fees and no monthly fees. You can even get paid up to two days early when you set up direct deposit.

3. Think Outside Your 401(k)

A 401(k) retirement plan is an excellent way to save for retirement, but it does have limited investment options, so you may also want another account with more investment flexibility.

And no matter what your retirement goals look like, working with companies that understand how to invest will help you.

Vanguard’s Digital Advisor is professional money management at a low cost. They can help you invest your retirement savings so you can focus on other things. With a minimum enrollment amount of $3,000 and a cost of no more than $2 a year for every $1,000 you invest, Digital Advisor provides ongoing, automated investment management at a low cost.

With no advisory fees for the first 90 days of your enrollment, there’s no better time to get started.

4. Diversify To Mitigate Risk

With a sinking economy and rising inflation, it’s important to diversify so all your investment eggs aren’t in one basket. Gold is traditionally a popular investment during a recession because it’s negatively correlated with the stock market.

Goldco offers both precious metals IRAs and direct purchases of gold and silver. It’s a top-rated company and is now offering $10,000 or more in free silver with qualified accounts.

5. Invest Creatively

A strong way to diversify your investment may surprise you: Art. With a 13.8% return, art handily outperformed the S&P from 1995 to 2021.

Masterworks allows everyday investors to own shares of iconic works of art by the likes of Pablo Picasso, Banksy, Andy Warhol and more.

You can get paid when the painting sells or sell your shares on the secondary market, providing more liquidity than would typically be available when investing in art directly.

6. Generate Passive Income

Passive income plays a key role in many successful retirement strategies. Here’s one that’s about as effortless as it gets. You can rent out all types of extra space around your house – garage, shed, basement, driveway, closet and more – to people who need to store their stuff. And you can make hundreds of dollars a month doing it.

Neighbor is a website that lets you list your extra storage space for rent and connects you with potential renters. It’s free to post a listing, and you won’t need to write up a contract or collect payments – Neighbor handles all that stuff. However, you are in control of where you should be: You review renters’ requests so that you know exactly what they plan to store before you decide whether to approve the deal. Plus, you set the move-in date that’s convenient for you.

You’ll also be protected with up to $1 million in liability insurance, and Neighbor will cover the cost if a renter doesn’t pay.

Turn your empty space into passive income.

7. Become A Landlord

Rental real estate is popular as an additional, passive income for the long haul. Unlike investing in stocks, real estate is somewhat shielded from the constant ups and downs of the market and has offered a return of up to 6% over time, which makes it a smart way to diversify your portfolio.

Arrived is your gateway to the world of real estate investing that’s historically required lots of upfront capital. With a minimum investment of just $100, Arrived makes real estate investing truly accessible to everyone.

It’s simple to get started: Create an account, decide how much you want to invest and watch for property appreciation and quarterly rental income payments.

Investing in real estate is a great option for anyone looking to build long-term wealth that can stand up to risk and market volatility.

By: Adam McFadden

Source: 7 Surprisingly Easy Ways To Reach Retirement Goals | GOBankingRates

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A Quick Guide to Developing Recipes

One of the most important aspects of professional cooking is developing recipes. A well-developed recipe achieves balance and consistency.

In this quick guide, we will discuss the steps chefs follow in developing recipes, and how meez has enhanced the recipe development process.

Inspiration and Ideation

Chefs can be inspired by art, seasonality, architecture, makers, ingredients or a story we want to tell. Professional chefs are as inspired by dishes at restaurants and meals our grandmothers used to make like anyone who cooks.

Once we have an idea, we think about the ingredients and flavors that will go into the recipe. We consider any restrictions or preferences that our diners or intended audience may have, including budget. Then we work with those guidelines.

Research and Visualization

Researching can entail visiting a farmers market, tasting the same ingredient from different purveyors, traveling, experiencing cultural influences and studying topics. We often consider sustainability, locality and if the businesses we work with align with our standards and goals. We consider making substitutions for ingredients that aren’t available or that are too expensive.

We visualize what the dish will look like and play with texture, shapes, colors and plates.

With meez, we can export an order list to source ingredients and keep notes and sketches in our Docs. We can even keep a R&D concept separate from production concepts to save each version of a dish until it makes a menu.

Drafting a Dish

We record the ingredients and instructions for a recipe in meez as we go. It’s important to be as specific as possible when writing a recipe so that anyone who reads it will be able to successfully replicate the dish. You can drag and drop a photo or video into each prep step to make this easier and to look back as you compare test versions.

Recipe Testing

We document everything we do when testing a recipe: ingredient amounts, temperatures, times, techniques. We evaluate salt, sweetness, spice, acid, fat, texture, umami and more to achieve balance and play with portion sizes, flavor combinations, elements and components.

Taste Testing

We often test with the back of house team to collaborate on feedback, ideas and iterations. Chefs might try a dish as a special for diner feedback as well. The tasting notes can be recorded in Docs as a menu is developed.

Recipe Writing

It’s crucial in a professional culinary setting to record clear and concise recipes as they’re developed, iterated and executed. With meez, you can convert units of measurement, scale, cost and see nutrition information as you build the recipe. It’s important that anyone who comes into work can replicate the recipe with all the content saved in meez, from the prep to photos and videos for plating. We often organize in recipe books based on station, season or section of the menu.

Once the recipe is developed, the chef can share view access with the team, copies with friends and colleagues, and a public link on social media when desired.

Source: A Quick Guide to Developing Recipes | Blog | meez

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