As I recently flew within the domestic US last week, I was pleasantly surprised to see only a couple of people wearing masks within the airports I visited. Even though the news has gotten worse and there's now a fatality within the USA, I find it hard to imagine that the whole world is going to come crashing down. The tourism industry will definitely be taking a hit, but people still need to eat, a place to stay, transportation to get to work, etc.
Nobody knows how bad it'll be, but now's the best time to get a mortgage, re-finance, or start investing in the market with all this downturn. I recently attended a talk and read an article where "on average" every dollar invested in the market will double in 10 years. So if the market tanks further in the next couple of weeks or months, and you've saved up a sizable cash cushion that you don't currently need, why not invest? It's definitely a hard thing to do cause because nobody knows how bad this current drop can be and nobody likes losing money, but just remember that the 2008 drop was about 50% as a worst case scenario. If the market tanks down to that level of percentage again, it could definitely be worth the gamble to wade back into the market. Here's a photo showing how the bulls always win over bears long term.
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I recently made the change of household lights from halogen light bulbs to LED ones. Tired of changing them out, they also serve the function of saving on your electricity costs. Luckily, I've been able to be in the lowest tier of electricity rates before the switch, that the main claim I can make is that they are also better for the environment.
One thing to be sure when buying new led bulbs is to first be sure of what kind of light you want. There are 3 types, soft white (2700k), cool white (4100k), and daylight (5000k). There's a big difference between the colors as cool white is the kind of light that you'll get in an office or laboratory. Soft white is what's most similar to what is used in bedrooms and not as harsh on the eyes. There's not much of difference once the lightbulb is installed. I haven't noticed the gradual loss of light in comparison to halogen and incandescent bulbs so the light quality should be similar throughout the lifespan of the bulb. I'd definitely recommend installing LEDs in hard to reach high ceilings and for any bulbs that need replacement, as the price of LEDs has dramatically decreased in the past couple of years and you'd be cutting down on environmental waste as well. |
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Photos used under Creative Commons from complexsearch, quinn.anya, foundin_a_attic, Mike Licht, NotionsCapital.com, Carlos ZGZ, www.hickey-fry.com, Andrew Stawarz, dejankrsmanovic, Maria Eklind, [SiK-photo], Porto Bay Trade, Stefans02, Alan Light, investmentzen, Prayitno / Thank you for (11 millions +) views, mcortez121, supportcaringllc