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November 2016



Protecting Your Pet from Unreasonable Landlords

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petsA loving pet owner may face difficulties in renting an affordable apartment because of a strict no-pet obligation from the owner. However hard you may try to convince the importance of your pet in your family, often people just do not want to see reason. In such circumstances, you would need something more than mere logical skills to suffice legal protection for the pet. The law recognizes the validity of therapeutic companionship provided by animals. All you need to do is obtain an ESA certificate. Certifying your dog or cat as an emotional support animal effectively obliges the insensitive landlord to accept the animal in his premises. Follow the simple procedure of applying for the license from an authorized online service.

The contents

The contents of the certificate validate your disease, the fact that you are undergoing treatment, and the importance of having an emotional support animal around. Essentially, the document is a signed and dated letterhead from a registered medical practitioner. It would enlist your emotional distress if it is found eligible under stipulates of Diagnostic and Statistical Manual of Mental Disorders (DSM- IV/ V). Qualifying conditions include various kinds of phobias, anxiety disorders, suicidal thoughts, mood swings, PTSD, and residues of any other kind of traumatic experience. It is available only after you fulfill nominal payments to access the application form at an authorized web service. Following the processing of your application, the emotional support dog letter is provided.

The authority

The ESA certificate allows pet owners and the animal legal immunity by the Fair Housing Amendments Act, 1988. In fact, the law also prohibits property owners to demand prescriptions or any other kind of clinical documents from the tenants. All you have to do is to furnish this letter to obtain immunity as long as your situation does not entail exceptions. The premises on which property owners can deny the presence of a pet include admittance in public institutions, the presence of a potentially dangerous animal, and in the unique situation where the landlord cohabits with tenants in a property that does not have more than four units. Moreover, the licensure also allows the permission to allow pets on flight according to the Air Access Carriers Act.

The landlord cannot ask the owner to provide an identifying tag on the pet. In fact, in situations where allowing the pet in premises is still unacceptable, the law can extend so far as to compel the owner to construct a comfortable living quarter for the pet in the premises. However, the owner also has to conform to the fact that the pet would not be any kind of a nuisance. Obtaining the emotional support dog letter is not the same as a service animal license. Service animals perform a wider scope of duties such as assisting blind owners or protecting the premises in the night. Nevertheless, the National Service Animal registry still allows owners to register their ESA certified pets. Consider both options to assure full protection of the helpless animal from an insensitive landlord.



November 2016



Numismatics: Why Collecting Coins Is More Fun Than You Think

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coincollectionMost people have heard of numismatics, the term for the art of collecting coins, but those same people also relegate the hobby to the likes of older people. In fact, you may have paid a visit to your grandparents home and had grandpa enthusiastically show you a 1941 wheat penny that he’s so proud of and you have absolutely no idea what he’s talking about.

For many numismatists the hunt for coins has been a lifelong pursuit. They’d pore over trade magazines, attend conventions, and connect with other collectors all in an attempt to complete collections and try to hunt down very rare coins.

Today this hobby isn’t just reserved for grandparents and thanks to the internet an increasing number of younger people are diving into this modern day treasure hunt with all the gusto they’ve reserved for video games and lattes. And they’re enjoying it.

If you’ve ever been interested in coin collecting these are a few ways to get started and some information about how to have fun with one of the oldest hobbies on earth.

The United States Mint

The U.S. Mint has a fascinating history all its own but for the purposes of collecting you need to know a little about the mint and how it works. Of course we all know that the mint prints and dies paper bills and coins and does so in Washington, D.C., Philadelphia, Denver, San Francisco, and West Point, New York.

Many different types of coins have been released from these mints over the years, most of which we either don’t use today or never made it into circulation. One of the things numismatists look for from regularly minted coins are errors in the die process such as a missing mint mark or missing letters in a president’s name.

It’s worth it to do some research into the U.S. Mint to learn more about the coins you’re about to collect.

Commemorative Coins

The U.S. Mint has issued special commemorative coins for many years, one of the most recognizable being the 1976 Bicentennial quarter or the quarters commemorating each state. But most collectors view the 1848 2.5 dollar gold piece celebrating the discovery of gold in California as the first official U.S. commemorative coin.

Commemorative coins are a great place to start for newbie numismatist. Over the last thirty years the government has issued coins commemorating the Olympic Games and the National Park Service, just to name a few. Additionally, most commemorative coins have never been in circulation as they were designed to be collected. This means they can literally stay in mint condition as long as they’re properly stored and can be kept for years.

How to Get Started

As with anything today, the best place to start is the internet. There you’ll even find a host of message boards where older collectors are wondering who is going to pick up the coin collecting reins when they’ve died. Most collectors pass on their coins to relatives but will those relatives continue to collect?

You can start by looking for some of the more common coins like the above mentioned wheat ear penny. Once you’ve learned the ins and outs of evaluating and buying coins, you can go in any direction you like. Many people are partial to the John F. Kennedy half dollar and some prefer the commemorative coins, especially those that come in sets. Still others collect rare coins from around the world.

You could also attend a convention in your area. There you’ll meet collectors who know the ropes and can give you some pointers on how to find rarer coins, how to properly value a coin, and what to expect if you decide to sell.

You’ll also need to know how to properly clean and store your coins. If coins are left out, especially in warm or humid climates, they can deteriorate.

Coin collecting is a fascinating hobby that can lead you on hunts you’d never thought you’d go on, learn words you never thought you’d ever know, and meet people whose knowledge about coins is astounding. If you’re interested in a hobby that combines interesting aspects of history and treasure hunting, why not consider a coin collection? You never know what’s out there until you look.



November 2016



8 Great Gifts for Solopreneurs Who Work From Home

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If you are Christmas shopping for solopreneurs who work from home, here are 8 great gift ideas that will make you their favorite person of the year.Christmas is coming! If you haven’t already started your gift shopping, now is the time.

I’ve heard in the past from friends and family that I’m a hard person to shop for. Personally, I don’t see it. I have a very easy time shopping for me. 😉

Some of my friends have also said that now that I’m a solopreneur and I work from home, they are even more puzzled about what to get me.

That one makes more sense because I definitely agree that I’m harder to shop for now than I used to be.

In the past people would be pretty safe by giving me a scarf, a piece of “costume” jewelry, or a gift certificate for some of these things. But now that I’m under no real pressure to even change out of my pajamas most days, and rarely wear accessories when I do get dressed, it could be a real struggle to find a great gift for me for Christmas.

But, that’s not the entire point of this post. I think it’s actually quite hard to shop for a lot of solopreneurs who work from home. Unless you really know what these solopreneurs do for work and what they might want or need this holiday season, you might find yourself hurriedly shopping at the last-minute and still ending up with a gift you aren’t confident about.

Luckily, I’ve got your back! 🙂

If you are shopping for me, or another solopreneur who works from home, here are 8 great gift ideas that will make you our favorite person of the year.




July 2016



How I’ve Changed After 1 Year of Self Employment

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Have you ever wanted to be your own boss? Kayla outlines everything that's changed for her over the past year of self-employment. What questions do you have about being your own boss?Last year, I was getting ready to walk out the door at my full-time job for the last time.

I was experiencing a rainbow of emotions as I packed up my office and put everything into my car to go home. I felt everything from excitement and joy, to complete and utter fear.

Over the next few days, I spent my days having the highest highs and lowest lows I’d ever experienced in my life.

I went from “This feels like a vacation. I hope I never have to go back to work at a “real job”!” to “Is it too late to get my job back?” all in the same day.

Nearly every afternoon for the first week of self-employment I cried and worried that I wouldn’t make it.

I have a lot of pride and I knew having to go back and look for a traditional job again would feel like the biggest defeat. Even if no one said so, I would feel shame and embarrassment for having failed at running my own business.




June 2016



Why I Decided To Get a Roommate

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I decided to get a roommate to help with financial costs, but a roommate can provide other benefits as well.I’ve always wanted to rent out a room in my home to earn some extra money and help offset the cost of my mortgage. But I’ve always been hesitant to do so because I really value my privacy, especially now that I work from home so I’m here ALL.THE.TIME!

That said, I nearly took in a renter last summer, but it didn’t end up working out.

As the year progressed I  began to think more and more about starting to look for a different house in my area to move into. I love my house and I finally have it almost the way I want it when it comes to personalization and improvements, but it’s way bigger than what I need. I don’t really need a 4 bedroom house while living alone. In fact, I hardly ever use my basement. I wouldn’t go down there at all except my washer and dryer are down there.

When I mentioned this to my friends and family, they agreed that it might make sense to start watching the market to find a house better suited to my needs, especially since this time around there would  be no urgency to my need to move, so I could choose a home that really fit everything I need and want. But instead of doing that, I decided to get a roommate.