Tuesday, October 31, 2017

Mont Bleu by Newgen at Coquitlam

Located at the corner of Lougheed and Blue Mountain in the historical French Canadian neighbourhood of Maillardville, comes Mont Bleu. This will be Maillardville’s first high rise in the neighbourhood with easy access to Skytrain and a bundle of local amenities. Commercial units will be on the ground floor facing a public art piece as well as exposure from Lougheed. Mont Bleu will be featuring a 21-storey, 147 units with a mixture of studios, 1, 2 and 3 bedroom homes. The 19th floor of the tower will have a large, south-facing rooftop amenity space for residents. On the 3rd floor, a developer is planning on having a lounge, kitchen and fitness centre.

Mont Bleu will be revealing the gift of Une Belle Vie, ʻA Beautiful Lifeʼ soon.

The post Mont Bleu by Newgen at Coquitlam appeared first on Vancouver New Condos.



from Buildings – Vancouver New Condos http://ift.tt/2gPX1Jn

Flavelle Mill – Port Moody

Flavelle OceanFront Development

 

The city of Port Moody is planning a major upscaling of its livability with the creation of an oceanfront community that supports a mix of uses, including a range of housing options, along with commercial, light industrial and recreational uses for the benefit of local residents and visitors. As currently envisioned by city planners and developers, the 34-acre Flavelle Lumber Mill will be transformed into a modern urban village that supports a population of about 7,000 residents and adds a wealth of economic, recreational, social, natural and entertainment benefits to Port Moody.

A variety of housing options are being considered for the development, with condominium buildings, street-oriented townhouses, rental housing, and the potential for house boats estimated to lead to the creation of almost 3,400 residential units. The expansive waterfront area will be revitalized and enhanced by the building of about 1.3 kilometres of new recreational trails, a boardwalk along the water’s edge connecting to Rocky Point Park, and the development of four park areas totalling 4.9 acres, and a 1.9-acre public plaza.

The Flavelle Oceanfront Development could lead to the creation of more than 1,000 on-site jobs upon completion, which could generate up to $57 million in annual employment income. Plans call for 99,000 square-feet of office space; 72,000 square feet of retail space, including a grocery store, restaurants and cafes; 103,000 square feet of light-industrial space; a 106,000 square-foot campus of care facility; and 75,000 square feet of live/work space designed for artistry and other creative ventures.

Developers and planners plan to utilize a sustainable approach in the development to ensure energy efficiency and environmental health. By using LEED Principles of design and construction, planners aim to make the development a model for sustainable communities. The site’s location will help in this regard, as it is in walking distance of both the nearby Sky Train Evergreen Line and West Coast Express, which provide easy connections to the rest of Metro Vancouver.

Public consultation has been an integral part of the planning process thus far, and is expected to continue as the planning stage moves through the ongoing permitting process. I will be keeping a close watch on this project going forward, and will provide updates when appropriate. If you have any questions about the Flavelle OceanFront Development project, or any other questions about real estate in Metro Vancouver, register with us today.

 

 

E. & O. E. This is not an offering for sale. An offering for sale may only be made after filing a Disclosure Statement under the Real Estate Development Marketing Act

The post Flavelle Mill – Port Moody appeared first on Vancouver New Condos.



from Buildings – Vancouver New Condos http://ift.tt/2z1rXOY

Edgestone by Bold Developments – Port Moody

Edgestone is a new townhouse development by Bold Properties located at 2131 Spring Street in Port Moody.   Once Completed in 2019, Edgestone will consist of 38  2, 3 and 4 Bedroom townhomes ranging in size from 1308 to 1658 square feet.

The expected breakdown of the homes is:

  • 2 Two bedroom + Den residences ranging between 1318 to 1327 square feet
  • 13 Three bedroom residences ranging from 1319 to 1381 square feet
  • 23 Three bedroom + Den residences ranging from 1540 to 1706 square feet

 

Each of the townhomes will be built Certified Green Gold, with Smart living solution including Ring Video Doorbells, Bluetooth enabled Schlage Deadbolt, and USB charging ports throughout the home, plus some more traditional family convenience such as laundry on the upper floor, private garages with overhead storage,  and family sized outdoor patios,  and a great children’s playground.

Located at 2131 Spring Street, Edgestone is centrally located with an easy access to Vancouver via the Barnett and Hastings by car, or if Skytrain is your choice, the Port Moody Centre station is a short walk away.  Other amenities in the neighbourhood include Suterbrook Village with all the shop and services it provides. For nature lovers and dog walkers, Edgestone is convenient located right off the Shoreline trail , which leads to Rocky Point and  Pajos!

Edgestone pricing is expected to start in low 900s with sales to begin by Mid November. If you’re looking for more information on Edgestone and would like to receive additional information such as floor plans, pricing, features and finishes when they are available,  please register with us today!

 

 

 

 

 

 

 

E. & O. E. This is not an offering for sale. An offering for sale may only be made after filing a Disclosure Statement under the Real Estate Development Marketing Act

The post Edgestone by Bold Developments – Port Moody appeared first on Vancouver New Condos.



from Buildings – Vancouver New Condos http://ift.tt/2ihnlME

Mont Bleu by Newgen at Coquitlam

Located at the corner of Lougheed and Blue Mountain in the historical French Canadian neighbourhood of Maillardville, comes Mont Bleu. This will be Maillardville’s first high rise in the neighbourhood with easy access to Skytrain and a bundle of local amenities. Commercial units will be on the ground floor facing a public art piece as well as exposure from Lougheed. Mont Bleu will be featuring a 21-storey, 147 units with a mixture of studios, 1, 2 and 3 bedroom homes. The 19th floor of the tower will have a large, south-facing rooftop amenity space for residents. On the 3rd floor, a developer is planning on having a lounge, kitchen and fitness centre.

Mont Bleu will be revealing the gift of Une Belle Vie, ʻA Beautiful Lifeʼ soon.

The post Mont Bleu by Newgen at Coquitlam appeared first on Vancouver New Condos.



from Buildings – Vancouver New Condos http://ift.tt/2gPX1Jn

Flavelle Mill – Port Moody

Flavelle OceanFront Development

 

The city of Port Moody is planning a major upscaling of its livability with the creation of an oceanfront community that supports a mix of uses, including a range of housing options, along with commercial, light industrial and recreational uses for the benefit of local residents and visitors. As currently envisioned by city planners and developers, the 34-acre Flavelle Lumber Mill will be transformed into a modern urban village that supports a population of about 7,000 residents and adds a wealth of economic, recreational, social, natural and entertainment benefits to Port Moody.

A variety of housing options are being considered for the development, with condominium buildings, street-oriented townhouses, rental housing, and the potential for house boats estimated to lead to the creation of almost 3,400 residential units. The expansive waterfront area will be revitalized and enhanced by the building of about 1.3 kilometres of new recreational trails, a boardwalk along the water’s edge connecting to Rocky Point Park, and the development of four park areas totalling 4.9 acres, and a 1.9-acre public plaza.

The Flavelle Oceanfront Development could lead to the creation of more than 1,000 on-site jobs upon completion, which could generate up to $57 million in annual employment income. Plans call for 99,000 square-feet of office space; 72,000 square feet of retail space, including a grocery store, restaurants and cafes; 103,000 square feet of light-industrial space; a 106,000 square-foot campus of care facility; and 75,000 square feet of live/work space designed for artistry and other creative ventures.

Developers and planners plan to utilize a sustainable approach in the development to ensure energy efficiency and environmental health. By using LEED Principles of design and construction, planners aim to make the development a model for sustainable communities. The site’s location will help in this regard, as it is in walking distance of both the nearby Sky Train Evergreen Line and West Coast Express, which provide easy connections to the rest of Metro Vancouver.

Public consultation has been an integral part of the planning process thus far, and is expected to continue as the planning stage moves through the ongoing permitting process. I will be keeping a close watch on this project going forward, and will provide updates when appropriate. If you have any questions about the Flavelle OceanFront Development project, or any other questions about real estate in Metro Vancouver, register with us today.

 

 

E. & O. E. This is not an offering for sale. An offering for sale may only be made after filing a Disclosure Statement under the Real Estate Development Marketing Act

The post Flavelle Mill – Port Moody appeared first on Vancouver New Condos.



from Buildings – Vancouver New Condos http://ift.tt/2z1rXOY

Edgestone by Bold Developments – Port Moody

Edgestone is a new townhouse development by Bold Properties located at 2131 Spring Street in Port Moody.   Once Completed in 2019, Edgestone will consist of 38  2, 3 and 4 Bedroom townhomes ranging in size from 1308 to 1658 square feet.

The expected breakdown of the homes is:

  • 2 Two bedroom + Den residences ranging between 1318 to 1327 square feet
  • 13 Three bedroom residences ranging from 1319 to 1381 square feet
  • 23 Three bedroom + Den residences ranging from 1540 to 1706 square feet

 

Each of the townhomes will be built Certified Green Gold, with Smart living solution including Ring Video Doorbells, Bluetooth enabled Schlage Deadbolt, and USB charging ports throughout the home, plus some more traditional family convenience such as laundry on the upper floor, private garages with overhead storage,  and family sized outdoor patios,  and a great children’s playground.

Located at 2131 Spring Street, Edgestone is centrally located with an easy access to Vancouver via the Barnett and Hastings by car, or if Skytrain is your choice, the Port Moody Centre station is a short walk away.  Other amenities in the neighbourhood include Suterbrook Village with all the shop and services it provides. For nature lovers and dog walkers, Edgestone is convenient located right off the Shoreline trail , which leads to Rocky Point and  Pajos!

Edgestone pricing is expected to start in low 900s with sales to begin by Mid November. If you’re looking for more information on Edgestone and would like to receive additional information such as floor plans, pricing, features and finishes when they are available,  please register with us today!

 

 

 

 

 

 

 

E. & O. E. This is not an offering for sale. An offering for sale may only be made after filing a Disclosure Statement under the Real Estate Development Marketing Act

The post Edgestone by Bold Developments – Port Moody appeared first on Vancouver New Condos.



from Buildings – Vancouver New Condos http://ift.tt/2ihnlME

Best Meal Planning Service: Our Top 10 Recommended Picks

A great meal plan can help you eat well while saving money. Here are our top 10 picks for the best meal planning service available online!

best meal planning service

If your normal weeknight dinner plans involve dining out or scrounging around the fridge for leftovers, meal planning could be exactly what you need. A great meal plan can help you eat well while saving money.

With so many meal plans to choose from, which are the best? And which one is best for you? We’ve compiled 10 meal planning services, so you can figure out which will work best for you.

The Best Meal Planning Service Available

$5 Meal Plan

At just $5 a month for the service, the $5 Meal Plan is super affordable. The recipes tend towards family-friendly comfort foods, but always include a health balance of fruits and veggies. The weekly meal plan comes with a grocery shopping list, as well as bonus desserts, drinks, or other treats. The plan also offers a weekly gluten-free plan option.

More recently, $5 Meal Plan has introduced a Meal Plan Builder tool. This is great for pickier families, as it lets you build your own meal plan based on the site’s bank of cheap meals. Then, it will generate your shopping list for you.

  • Pros: This service is affordable, and it focuses on affordable meals. The plans take advantage of seasonal products and what’s likely to be on sale. So most meals cost around $2 per person. The plan is also great in that it always includes at least one crock pot meal and one 20-minute meal per week. Many of the meals can also be prepped ahead of time for easier weeknight cooking.
  • Cons: The meals aren’t customizable and neither are the recipes. (The website, however, offers a few six-week specialized menus, including a paleo option.) In other words, you can’t bump up a four-person recipe to accommodate six people easily. You’ll have to do the math–and adjust the grocery list–on your own.
  • Who it’s for: The $5 -Meal Plan is good for average-sized families who are neither super-picky nor super-adventurous. If you don’t mind some cooking on weeknights and your main meal-planning goal is trimming that grocery budget, this might be the plan for you.
Try $5 Meal Plan

Once a Month Meals

This meal-planning service used to be known as Once a Month Mom, and it’s taken off for a reason. At $16 per month (or $170 per year), subscribers to Once a Month Meals get access to a menu, grocery list, and planning materials. You set aside one day a month to cook, stock the freezer, and then have meals for the whole month. Menus include traditional, whole foods, paleo, diet, vegetarian, gluten free/dairy free, allergen, mini, and baby.

  • Pros: If you’re just too busy to cook on a typical weeknight, this is a great service. It offers customizable menus that make it easy to change serving sizes for your meals. The service actually plans out your entire cooking day to a T, making cooking as efficient as possible.
  • Cons: At $16 per month, this is one of the more expensive services around, though it has more features. Cooking a full month’s worth of meals in one day makes for one very long day and also requires that you can buy a month’s worth of groceries at one time. Also, you’ve got to have a fairly large freezer to store all the meals.
  • Who it’s for: This service is great for people who don’t like cooking on weeknights, but can bring themselves to cook once a month. It’s even better if you can team up with a friend, lighten the load, and split the meals for the month.
Try Once a Month Meals

eMeals

9 best meal planseMeals is one of the original online meal planning services, and from the volume of meal plans available, that’s obvious. The service offers a huge variety of menus, from clean eating to low carb to heart healthy to crock pot to vegetarian. They even offer plans in partnership with HealthAll You, and Paula Deen. eMeals costs $59.99 per month, with additional options available for lunch and breakfast plans.

  • Pros: With all the variety available, eMeals makes it easy to choose a meal plan that works for you and your family. They even offer store-centered plans that bases recipes on what’s on sale that week. Plus, you can swap plans when you want, making it easy to fit meal planning to that week’s particular needs. eMeals will also export your grocery list to shopping apps like ClickList, which can be helpful.
  • Cons: With eMeals, you can’t switch the serving sizes. The meals are set to either two to four or six to eight servings per meal with most plans, and you’ll have to do the math to reduce them yourself if needed.
  • Who it’s for: If you don’t mind cooking and want some flexibility with your meal planning, eMeals has the biggest variety available. You can easily switch to a 20-minute-meal or crock pot plan on a busy week, and then go back to your regularly-scheduled paleo plan when life slows down.

The Fresh 20

The unique angle of this meal planning service is that it focuses on twenty fresh, local ingredients per week. The Fresh 20 splits the difference between daily meal prep and monthly freezer cooking with a one hour per week prep period to make weeknight meals simpler to prepare. Currently, it offers classic, gluten free, vegetarian, and paleo plans, as well as plans for one person. each plan costs $74 per year or $14 per month.

  • Pros: With a focus on simple, fresh ingredients, The Fresh 20 is a healthy option. The one-hour prep period per week helps streamline meal prep each evening, too. When you pay for it annually, the plan is pretty cheap at just over $6 per month. you can also purchase specific plans, including dairy free, kosher, and six weeks’ worth of lunches, for an additional fee.
  • Cons: You can’t switch between plans without adding additional costs, and you can’t change meal sizes easily with this one.
  • Who it’s for: If you want both a great meal plan and fresh ingredients, this could be a good option. It’s geared towards families who want good-tasting, easy meals, but who also want to reduce their environmental footprint.

Plan to Eat

Unlike the above meal plans, Plan to Eat doesn’t provide the recipes; you do. This app and online recipe planner collets your favorite recipes from anywhere. Then, you drag and drop your recipes onto your calendar-like meal planner. Plan to Eat then generates a grocery list for you.

  • Pros: It uses recipes you already know your family loves, which makes your life easier and your dinner more likely to get eaten. Plus, the grocery list it generates is interactive, so you can check off items as you pick them up during the week. At $4.95 per month, it’s a pretty affordable option, too.
  • Cons: It doesn’t do all the work for you, like some of these other services. You have to actually have a library of recipes your family enjoys to make this work!
  • Who it’s for: This is best for people who don’t mind cooking and have beloved recipes they’d love to eat, but who hate the list-making (and item-forgetting!) part of meal planning and grocery shopping. If you don’t mind putting in a bit of extra work, it’s a great option for streamlined meal planning.

The Six O’Clock Scramble

At $1.44 per week for a two-year subscription, The Six O’Clock Scramble is one affordable meal planning service! The service focuses on healthy meals that are quick to fix, and all the meals include side dishes. You can also customize meals for gluten free or vegetarian diets.

  • Pros: It’s very affordable if you decide to opt for the two-year subscription. With a focus on wholesome meals that are also easy to prepare, this is a great balance for families. Other reviewers have also noted that the weekly newsletter that comes with the service is helpful and interesting.
  • Cons: Adding new recipes to the pre-planned menu can be difficult, and customization isn’t the easiest thing to do. And if you add a new recipe, you’ll have to print a separate grocery list.
  • Who it’s for: The Six O’Clock Scramble is geared towards families with family-friendly recipes based on simple ingredients. If you’re not too fussy about customizing weekly menus, this is a simple way to plan quick weeknight meals.

Pepperplate

Pepperplate is another app that will hold all your recipes. You can create and edit your own or import them to the service by pasting in an URL. The app comes with unlimited library space for your recipes, and you can schedule them as needed. The app also lets you scale recipes, and will generate shopping lists based on your meal plan.

  • Pros: As a free app, it doesn’t get much cheaper than this! If you already have beloved recipes you love to use, this is a great app for compiling them and making them simpler to use.
  • Cons: This is another app that doesn’t do it all for you. With Pepperplate, you’ll have to take time on the front end to save and import your favorite recipes, and you’ll have to take the time to plan your menu each week.
  • Who it’s for: Pepperplate is another good option for those who already have recipes they love on hand. And since it’s free, it’s great if you’re on a super-tight budget that just doesn’t have $5-$10 per month of wiggle room for a meal planning service.

Eat This Much

If you’re on a specific, calorie-restricted diet, Eat This Much may be the meal-planning app you’ve been waiting for. It lets you put in how many calories you want to eat per day. Then you can build out your weekly meal plan with pre-made recipes and those that you add. You can track calories and your weight over time, as well. It lets you filter certain types of foods out of your meal, plan, as well, which is great for low carb diets, vegetarians, and more.

  • Pros: The app has a free version, but you can use premium features, including leftover planning and automatic weekly meal planning, for $5 per month with an annual subscription. This app is great for planning meals specific to your dietary style, right down to the calories you eat. It also offers unique features like an option to plan your meals based on restaurants or pre-made meal options.
  • Cons: Family meal planning is part of the app’s premium services, so it’s not free. It also will only integrate personal nutrition targets for one person at a time.
  • Who it’s for: If you want to follow a specific diet plan, either as a bodybuilder or someone who wants to lose or maintain weight, Eat This Much offers unique features you’ll love. It’s probably not the most family-friendly option on the market, though.

PlateJoy

The goal of PlateJoy is to help you be more joyful about your eating by providing you with meal plans that fit your life. When you sign up for an account, it will give you a quiz that lets the site customize a meal plan for your time constraints, eating preferences, and health goals. PlateJoy also offers a digital pantry, which keeps track of ingredients you should already have in your kitchen. And it automatically minimizes the number of ingredients on your grocery list to minimize waste.

  • Pros: With the customization quiz, PlateJoy is likely to give you everything you never knew you wanted in a meal plan. It’s a good option if your family can all fit under the same time, health, and preference constraints.
  • Cons: At $99 for a 12-month subscription, this one is on the more expensive end of our list. But, still, if it results in a meal plan you love, the cost could be worth your while.
  • Who it’s for: This meal plan could be for just about anyone, since it offers the get-to-know-you quiz when you start your subscription and then bases your meal plan on your personalized answers.

CookSmarts

What if you really want to meal plan and eat at home more, but you don’t really know much about cooking? In this case, CookSmarts might be for you. It includes helpful how-to cooking videos for beginning chefs, making it great for learning how to cook. Other features include weekend prep steps to ease your weeknight meal prep, automatic food waste reduction, and several diet options.

  • Pros: This is an excellent option that takes some of the stress out of learning to cook. At $6-$8 per month, it’s not too expensive, either. And customizing your meals is easy, since each meal comes with a gluten-free, vegetarian, or paleo option. Your subscription also gets you access to the archives, so you can shop for a different plan if you don’t like that week’s.
  • Cons: CookSmarts doesn’t offer as wide a variety of menu types as some of the options listed here.
  • Who it’s for: This one is formulated specifically for beginning or inexperienced cooks who want to cook fresh meals and learn more about specific kitchen skills.
Topics: Smart Spending

The post Best Meal Planning Service: Our Top 10 Recommended Picks appeared first on The Dough Roller.



from The Dough Roller http://ift.tt/2z7zmOT

{#transparenttuesday} Who is oppressing women?

I recently opened up a discussion (on Instagram of course) about lesbians, the male gaze, and the male gaze’s subsequent female objectification and beauty standards.

I figured maybe women who aren’t attracted to men might worry less about looking “hot,” since the whole women-as-beautiful-sex-objects thing was made by and for men, right?

That’s how it used to be back when I read women’s magazines in high school, at least. Literally every story was about how to trick a man into wanting/choosing you (UGH) by behaving or looking a certain way.

I figured the whole thing looked like this:

Women were taught that our whole purpose in life was to be desirable enough that we “snagged” a good partner. Beauty standards got invented to help women be more competitive in the man-snagging market, and the whole thing just escalated endlessly until we all have to look like airbrushed versions of surgically altered celebrities or models in order to be “good enough”.

Intuitively, it all seemed to come back to men. When I asked a client why she so badly wanted to look a certain way, the answer was invariably some derivative of wanting to feel desirable:

“Because I want men to notice me.”
“Because I want to be attractive to my spouse.”

“Because I want to feel hot/sexy.“

But after I posed this question on Instagram the feedback (from women of various sexual preferences) came flooding in to prove that this shit really has nothing to do with men at all.

Apparently, no. Being gay does not offer a woman a single damn bit of freedom from the pressures of the male gaze, beauty standards, or insecurities.

Which, while I was a bit surprised, this feedback struck a chord with something I already knew deep down.

After all, my fingernails are currently dark green, my favorite lipstick is navy blue, and I constantly put together outfits (think: rompers) that absolutely befuddle most men.

I even recently told a man who wanted to jump on the phone with me to “clear up some misconceptions I seemed to have, about what men want a woman to look like,” that I didn’t see how that was relevant to the work I do.

Men certainly want to think that we women do all this work (dressing up, wearing makeup, etc) for them, but frankly if it was all about them we wouldn’t rock purple glitter eyeliner, ya know? If it was really for men, we wouldn’t have cool short hairdos, or wear platform work boots, or high waisted jeans.

It’s not for men. So then what are we doing all this for?

Note: I know some women will tell me they do all this “for themselves!” and “because it’s fun!” and I get how in some ways that’s true. But there is a constant, endless stream of ways in which women are taught they must do/look a certain way in order to be good enough; to be worthy of love; to be visible, and valuable. We can’t ignore that fact discussing why we do what we do, or how it makes us feel.

All the women who provided feedback on Instagram convinced me that we are doing all this work for social currency: looking a certain way in our society earns us special rights and privileges.

  • A dolled up woman is treated better than a barefaced one.
  • A thin woman is treated better than a fat woman.
  • A hot woman is treated better than a plain woman.

It’s important to mention here the role that privilege plays. Because while some things are changeable (like hair, makeup, products, procedures, exercise, diet, or even plastic surgery) some stuff just isn’t.

Even on my worst day, I’m still treated fine, thanks to the fact that no matter what I look like day to day I always have white, thin, pretty privilege.

That said, there is a huge difference when I’m dressed up, and super lean. Everyone is so nice to me, so warm, so smiley and friendly when I’m dolled up and wearing makeup, and back when I was 13% body fat, people were constantly gushing over me. When I combined the two, I felt like like I may as well have ruled the world.

Truth be told, I don’t miss how my body looked when I was super lean like that, but I do miss how people treated me. Even just 10 or 15lbs heavier now (and still relatively thin and healthy) I experience a totally different world of how people treat me.

But back to the topic at hand.

While we can’t change everything, most women know that with some daily time and effort put toward their appearance, they can dramatically improve the friendliness, attention, and available opportunities of the world they live in.

Going back to the messages women hear about how we should look and act, I can see now that despite the way it was presented, it’s less about “how to get a man,” and more about “how to be a woman.”

Looking hot isn’t about snagging a mate, it’s about obtaining social currency.

So, if men aren’t the beneficiary of women’s insecurity and disempowerment when it comes to needing to look a certain way, then who is benefiting? If our sex appeal isn’t a matter of being sexually desirable, that what is it a matter of?

This is when I remembered that rape is not a crime of lust, but rather a crime of control, hate, anger, and power.

Rape is about making the other person submissive, shaming them, and having power over them. Rape is shaming someone, making them submissive to you, and establishing a position of dominance over them. That’s why rape is used as a weapon of war all over the world, and that’s why conversations about “what she was wearing” are completely irrelevant.

Perhaps our modern female beauty standards are the same: acts of submission to dominance, unrelated to lust or love.

But if so, then who is dominating us?

The answer, my dear friends, is advertisers.

It is advertisers (and the big companies who hire them) who are dominating us. Not because they hate us, but because they want us to give them money. Nonetheless, this is an act of power and control.

Advertisers dominate us with shaming, creating new standards as soon as we reach the old ones, coming up with new fashions, new products, new places to remove hair, and new ways to hide flaws they just made up.

Is it advertisers to whom we submit, without even realizing we are submitting. We are so bowed down buying the cellulite cream and reading the articles on how to look “ageless” that we never look up and see them standing over us.

They create the looks, they create the demand, they create the flaws.

Advertisers intentionally create shame because people who feel shame are obedient. They intentionally create self-doubt, because when we can’t trust ourselves, we look outward to find out what we should do.

When that happens, there they are: whispering promises of love, success, attention, and belonging.

Hush hush my love, I know it hurts that you’re broken and disgusting, but I love you and I will help you.

They break us down, and then sell us back the promise of our our wholeness, all the while manipulating us into thinking they have our back, they just want what’s best for us, they love us like nobody else will ever love us.

Shhh, you’ll feel better after this pair of jeans (or this color of nail polish, this pore-cleansing mask, this fat-sculpting workout). Trust me.

What does this dynamic sound like to you?

Because to me, it reeks of emotional abuse.

Screen Shot 2017-10-24 at 6.28.38 PM.png

Abusers seek to purposefully disempower their abused, through guilt, shame, manipulation, gas-lighting, and fear. They keep their abused dependent on them, by breaking their self-trust and isolating them away from any resources that might make them feel whole, or empowered.

Every day we are battered with advertisements trying to tell us that we are worthless but that with their help we can be redeemed.

Every day we are assaulted with brands and companies whose very livelihood depends on the fact that we never find out we are worthy of love, attention, approval, acceptance, and belonging exactly as we are.

Yes, many of these major culture-creating companies are run by men. But this might be far less of a gender war than I have previously thought.

Don’t get me wrong, the patriarchy is real and has devastating effects on women, but when it comes to us all trying to live up to the standard of beauty, hotness, and sex appeal, I don’t think it’s MEN to whom we are submitting.

And the big manipulation that keeps us quiet *even if part of us logically knows this is bullshit* is that deep down in our hearts of hearts, we believe we are alone.

I recently read the Handmaid’s Tale for the first time since high school, and I was struck by how little they fought back against the devastatingly oppressive regime in power. Each person was terrified to speaking a rebellious word, for fear of retaliation if they spoke to a true believer.

And that’s how it is.

We aren’t just taught “you need to buy all this stuff in order to be worthy.” Oh no, that wouldn’t be effective. That would never work, we’re much smarter than that.

We’re taught “everyone else thinks you need to buy all this stuff in order to be worthy.”

And my god, is that one effective.

The psychology is cut and dry: we humans are wired for connection. We need and want acceptance, approval, and belonging.

We live in a supposedly “free market” where advertisers can say and push nearly anything, and they have teams of researchers dedicated to manipulating us into buying more stuff, and feeling like everyone else thinks we need this stuff in order to be accepted and belong.

This is our economy.

Our economy is an emotional abuser invested in all of us feeling broken, and specifically preying on women, who basically just arrived to the game of land-owning, voting, and money-making in the last century.

Think about it. After centuries of being controlled and dominated, unable to develop our own sense of purpose and self, we had internalized messages that we weren’t as valuable, smart, strong, capable, or interesting as men. When we started  being allowed to spend money, we were devastatingly susceptible to manipulation, and the advertisers figured that shit out fast.

Frankly, the whole thing makes me lean toward socialism in a way I never would have thought possible.

I don’t know what the answer is, but I do know that when it comes to negative body image and insecurity in women, this is the result of a purposeful domination. It’s the predictable and understand result of an abusive and manipulative relationship.

And it sucks.

My apologies if you were looking for something uplifting today, this is all I got.

So much love,

Jessi

The post {#transparenttuesday} Who is oppressing women? appeared first on Jessi Kneeland.



from Jessi Kneeland http://ift.tt/2hsfpsF

Monday, October 30, 2017

2018 Federal Income Tax Brackets and Standard Deduction

The 2018 tax brackets are out. Here are the federal income tax rates and standard deductions by tax filing status and income.

2018 tax brackets and standard deduction

Unless you’ve been living under a rock, you’ve probably heard rumblings of tax reform. Congress is currently trying to figure out how to simplify our labyrinthine tax system. But as that hasn’t happened yet, the federal income tax brackets and standard deduction for 2018 are only slightly changed.

The IRS announced 2018 changes, predictably, in October this year. It cites inflation as the cause of this year’s changes, which is typically the case. Maybe we’ll see a major overhaul in 2019, but we’re not quite there yet.

Remember, these numbers are for your 2018 taxes. So you should look at them if you’re changing your withholding for next year–starting on January 1, 2018. But you won’t actually file taxes using these numbers until the spring of 2019.

Personal Exemption and Phase-Out

For 2018, every taxpayer can take a personal exemption of $4,150, up from $4,050 in 2017. But remember that this exemption starts phasing out according to your total income. The exemption starts phasing out when your adjusted gross income reaches $266,700 for an individual or $320,000 for a married couple filing jointly. The personal exemption completely phases out for individuals earning $389,200 or married couples earning $442,500.

2018 Standard Deduction

The standard deduction is jumping a bit this year–by $300 for married couples filing jointly. Here are the standard deductions by tax filing status:

  • Married Filing Jointly/Surviving Spouse: $13,000
  • Heads of Households: $9,550
  • Single: $6,550
  • Married Filing Separately: $6,550

What if you’re still claimed as a dependent on someone else’s taxes? In this case, your standard deduction is the greater of $1,050 or the sum of $350 plus your earned income.

What if you’re one of the lucky ones who can take more from itemized deductions than the standard deduction? The IRS still limits how much you can take from itemized deductions. For 2018, those limits are:

  • Married Filing Jointly/Surviving Spouse: $320,000
  • Heads of Households: $293,250
  • Single: $160,000
  • Married Filing Separately: $160,000

2018 Tax Brackets

So how much will you pay in taxes for 2018? Here’s how the tax rate is applied for the year. Remember, the income listed here is your taxable income–not your gross income.

Married Filing Jointly and Surviving Spouses

Taxable Income Taxes
Up to $19,050 10% of taxable income
Over $19,050 but not over $77,400 $1,905 plus 15% of excess over $19,050
Over $77,400 but not over $156,150 $10,657.50 plus 25% of the excess over $77,400
Over $156,150 but not over $237,950 $30,345 plus 28% of the excess over $156,150
Over $237,950 but not over $424,950 $53,249 plus 33% of the excess over $237,950
Over $424,950 but not over $480,050 $114,959 plus 35% of the excess over $424,950
Over $480,050 $134,244 plus 39.6% of the excess over $480,050

Heads of Households

Taxable Income Taxes
Up to $13,600 10% of taxable income
Over $13,600 but not over $51,850 $1,360 plus 15% of excess over $13,600
Over $51,850 but not over $133,850 $7,097.50 plus 25% of the excess over $51,850
Over $133,850 but not over $216,700 $27,597.50 plus 28% of the excess over $133,850
Over $216,700 but not over $424,950 $50,795.50 plus 33% of the excess over $216,700
Over $424,950 but not over $453,350 $119,518 plus 35% of the excess over $424,950
Over $453,350 $129,458 plus 39.6% of the excess over $453,350

Unmaried Individuals (other than Surviving Spouses and Heads of Households:

Taxable Income Taxes
Up to $9,525 10% of taxable income
Over $9,525 but not over $38,700 $952.50 plus 15% of excess over $9,525
Over $38,700 but not over $93,700 $5,328.75 plus 25% of the excess over $38,700
Over $93,700 but not over $195,450 $19,078.75 plus 28% of the excess over $93,700
Over $195,450 but not over $424,950 $47,568.75 plus 33% of the excess over $195,450
Over $424,950 but not over $426,700 $123,303.75 plus 35% of the excess over $424,950
Over $426,700 $123,916.25 plus 39.6% of the excess over $426,700

Married Individuals Filing Separately:

Taxable Income Taxes
Up to $9,525 10% of taxable income
Over $9,525 but not over $38,700 $952.50 plus 15% of excess over $9,525
Over $38,700 but not over $78,075 $5,328.75 plus 25% of the excess over $38,700
Over $78,075 but not over $118,975 $15,172.50 plus 28% of the excess over $78,075
Over $118,975 but not over $212,475 $26,624.50 plus 33% of the excess over $118,975
Over $212,475 but not over $240,025 $57,479.50 plus 35% of the excess over $212,475
Over $240,025 $67,122 plus 39.6% of the excess over $240,025

Again, remember that these numbers are for the 2018 calendar year. They don’t apply to the 2017 taxes you’ll file this spring. For those numbers, read our 2017 Federal Income Tax Brackets article.

(This information is summarized from the IRS Revenue Procedure 2017-58)

Topics: Taxes

The post 2018 Federal Income Tax Brackets and Standard Deduction appeared first on The Dough Roller.



from The Dough Roller http://ift.tt/2fQJWiG

Charles Schwab Review: One of the Best Brokerage Options

Saturday, October 28, 2017

Roth IRA Contribution and Income Limits for 2018

A Roth IRA is a great way to save for retirement, if you qualify. Here are the Roth IRA income limits and contribution limits for 2018.

roth ira income limits

2018 Roth IRA Contribution Limits

The IRS recently released its 2018 update to income and contribution limits for Roth IRAs. As detailed below, the contribution limits for a Roth IRA are unchanged for 2018 — they remain at $5,500. The catch-up contribution for those 50 or older, which is not indexed for inflation, remains $1,000. The income limits to qualify for a Roth IRA, however, have risen. Here are the details.

According to the IRS, the maximum amount that can be contributed to a traditional or Roth IRA in 2018 is as follows:

If you are under 50 years of age at the end of 2018: The maximum you can contribute to a traditional or Roth IRA is $5,500. You can split this between a traditional IRA and a Roth IRA if you want, but the combined limit is still $5,500.

In addition, the maximum deductible amount you contribute to a traditional IRA and the maximum amount you contribute to a Roth IRA may be reduced depending on your adjusted income (see below).

If you are 50 years of age or older before the end of 2018: The maximum contribution that can be made to a traditional or Roth IRA is $6,500 ($5,500 + $1,000 catch-up contribution). This limit can be split between a traditional IRA and a Roth IRA, but the combined limit is $6,500.

The maximum deductible contribution to a traditional IRA and the maximum contribution to a Roth IRA may be reduced depending on your modified adjusted gross income.

As noted above, these limits remain unchanged for 2018.

See this information in table form below:

Tax Year Contribution Limit (for taxpayers under age 50) Contribution Limit (for taxpayers age 50 or over by the end of the year)
2018 $5,500 $6,500
2017 $5,500 $6,500
2016 $5,500 $6,500
2015 $5,500 $6,500
2014 $5,500 $6,500
2013 $5,500 $6,500
2012 $5,000 $6,000
2011 $5,000 $6,000
2010 $5,000 $6,000

Roth IRA Income Limits

Before you get too excited about a Roth IRA, remember that your income can disqualify you from opening one. To determine your eligibility, you need to know your modified AGI (adjusted gross income) and filing status.

The income limits typically rise a bit every year because of inflation. For 2018, the Roth IRA contribution limit is phased out based on the following income levels:

  • For single or head of household filers, the phase-out range is $120,000 to $135,000. If your modified AGI is more than $135,000, you cannot contribute to a Roth IRA.
  • For those who are married filing jointly*, the phase-out range is $189,000 to $199,000. If your combined, modified AGI is more than $196,000, you cannot contribute to a Roth IRA in 2014.
  • Finally, if your filing status is married filing separately (you live with your spouse at any time during the year), the phase-out range is $0 to $10,000. If you make more than $10,000 and file as married filing separately*, you cannot contribute to a Roth IRA in 2018.

Check out this information, along with historical income limits, in table form below:

Tax Year Single/Head of Household Filers Married Filing Jointly/Qualified Widow(er) Contributions Married Filing Separately*
2018 $120,000 – $135,000 $189,000 – $199,000 $0 – $10,000
2017 $118,00 – $133,000 $186,000 – $196,000 $0 – $10,000
2016 $117,000 – $132,000 $184,000 – $194,000 $0 – $10,000
2015 $116,000 – $131,000 $183,000 – $193,000 $0 – $10,000
2014 $114,000 – $129,000 $181,000 – $191,000 $0 – $10,000
2013 $112,000 – $127,000 $178,000 – $188,000 $0 – $10,000
2012 $110,000 – $125,000 $173,000 – $183,000 $0 – $10,000
2011 $107,000 – $122,000 $169,000 – $179,000 $0 – $10,000
2010 $105,000 – $120,000 $167,000 – $177,000 $0 – $10,000

*Note: If you file married, filing separately and do not live with your spouse at any point during the tax year, you can use the limits for single/head of household filers. If you do live with your spouse at any point during the year, you’ll be limited to the $0-$10,000 phase out range.

If you want to open an IRA account, I think Betterment is worth serious consideration. If you want to trade individual stocks and ETFs in your IRA, check out our list of IRA discount brokers.

Topics: Retirement Planning

The post Roth IRA Contribution and Income Limits for 2018 appeared first on The Dough Roller.



from The Dough Roller http://ift.tt/2fQJXmK

Friday, October 27, 2017

401k and IRA Contribution and Deduction Limits for 2018

In 2018, 401k contribution limits have gone up, while IRA contribution limits remained the same. Here are all the details, including IRA deduction limits.

401k contribution limits and IRA contribution limits

The IRS recently released the new 2018 401k and IRA contribution and deduction limits. The limits for 401ks jumped by $500 to $18,500, the first increase since 2015. Contribution limits for IRAs and remain the same in 2018. And that’s true for both contributions and catch-up contributions for those 50 or older. Here are the details.

401(k) Contribution Limits

As announced by the IRS, the contribution limit for 401(k) accounts increased from $18,000 in 2017 to $18,500 for 2018.  Those 50 or older also get the catch-up contribution of $6,000.  That brings the total contribution limit to $24,500 for those who qualify. These new contribution limits also apply to 403(b), most 457 plans, and the federal government’s Thrift Savings Plan.

Tax Year Regular Contribution Limit Catch-up Contribution Limit for those 50 & older
2018 $18,500 $6,000
2017 $18,000 $6,000
2016 $18,000 $6,000
2015 $18,000 $6,000
2014 $17,500 $5,500
2013 $17,500 $5,500
2012 $17,000 $5,500
2011 $16,500 $5,500
2010 $16,500 $5,500
2009 $16,500 $5,500
2008 $15,500 $5,000
2007 $15,500 $5,000
2006 $15,000 $5,000

IRA Contribution and Deduction Limits

With a deductible IRA, it’s important to understand both the contribution limits and the income limits to qualify for the deduction. While you can always contribute up to the $5,500 contribution limit assuming you have sufficient earned income, you’ll only be able to deduct your contribution on your federal taxes if you meet certain income limits.

IRA Contribution Limits

The maximum contribution in 2018 is still $5,500. The catch-up contribution for those 50 and older remains $1,000 (the catch-up contribution for an IRA is not indexed for inflation, so it always remains at $1,000).  Here are the IRA contribution limits over the last several years:

Tax Year Regular Contribution Limit Catch-up Contribution Limit for those 50 & older
2018 $5,500 $1,000
2017 $5,500 $1,000
2016 $5,500 $1,000
2015 $5,500 $1,000
2014 $5,500 $1,000
2013 $5,500 $1,000
2012 $5,000 $1,000
2011 $5,000 $1,000
2010 $5,000 $1,000
2009 $5,000 $1,000
2008 $5,000 $1,000
2007 $4,000 $1,000
2006 $4,000 $1,000

Deductible IRA Income Limits

Now on to the question of whether your IRA contribution is deductible. Whether your IRA contribution is deductible depends on three factors: (1) your filing status, (2) your adjusted gross income, and (3) whether you are covered by a retirement plan at work.

Below are listed the phase out ranges based on the above factors for both 2016 and 2017. If your AGI is less than the bottom of the applicable range, your IRA contribution is fully deductible. If your AGI falls within the range, your contribution is partially deductible. And if your AGI is above the range, then your contribution is not deductible.

2018

If you are covered by a workplace retirement plan, your phase out range is as follows:

  • Singles: $63,000 to $73,000
  • For married couples filing jointly, where the spouse making the IRA contribution is covered by a workplace retirement plan, the phase-out range is $101,000 to $121,000, up from $99,000 to $119,000.
  • Married couples filing separately: $0 to $10,000

If you are not covered by a workplace retirement plan, your phase out range is as follows:

  • Married couples filing separately: $189,00 to $199,000 (if your spouse is covered by a workplace retirement plan)

2017

If you are covered by a workplace retirement plan, your phase out range is as follows:

  • Singles: $62,000 to $72,000
  • Married couples filing separately: $99,000 to $119,000 (if the person making the IRA contribution is covered by a workplace retirement plan)
  • Married couples filing separately: $0 to $10,000

If you are not covered by a workplace retirement plan, your phase out range is as follows:

  • Married couples filing separately: $186,00 to $196,000 (if your spouse is covered by a workplace retirement plan)

Other Limits

If you are a single or head of household filer and are not covered by a retirement plan at work, you can take the full deduction up to the year’s contribution limit, regardless of your income.

If you’re married filing jointly or separately, and neither spouse is covered by a work-based retirement plan, you can take the full deduction up to your contribution limit, regardless of income.

(Note: If you’re interested in a Roth IRA, those income limits have changed as well. You can get the scoop on Roth IRA limits here.)

SEP IRAs and Solo 401(k)s

Self-employed individuals and small business owners have much higher contribution limits: $55,000 per year in 2018, up from $54,000 in 2017. This is the amount that a self-employed individual or small business owner can contribute to certain retirement accounts, subject to percentage of income limitations.

The table below shows historical changes in SEP IRA and Solo 401(k) contribution limits. The 2018 compensation limit for these accounts is $275,000, which increased from $270,000 in both 2017.

The table below shows these historical changes:

Tax Year Compensation Limit Contribution Limit
2018 $275,000 $55,000
2017 $270,000 $54,000
2016 $265,000 $53,000
2015 $265,000 $53,000
2014 $260,000 $52,000
2013 $255,000 $51,000
2012 $250,000 $50,000
2011 $245,000 $49,000

To learn more about SEP IRAs and Solo 401ks, check out this article.

How Good is Your 401k?

Have you ever wondered just how much your 401k costs you? Retirement accounts can have hidden fees that drain the value of your account. Over a number of years, these fees can cost you thousands of dollars.

With Personal Capital’s Retirement Fee Analyzer you can see just how much your 401k and other investments are costing you. I was shocked to learn that the fees in my 401(k) could cost me over $200,000!

Personal Capital also offers a free Retirement Planner. This tool will show you if you are on track to retire on your terms.

You can analyze not only your 401k, but also IRAs and taxable accounts.

Try Personal Capital
Topics: Retirement Planning

The post 401k and IRA Contribution and Deduction Limits for 2018 appeared first on The Dough Roller.



from The Dough Roller http://ift.tt/2xwLKHM

Why The IRS Keeps Calling Those Who Use Tax Software: A Cautionary Tale

Technology within the accounting world has come a long way. Now, for the most part, we use digital applications and hard drives that are capable of storing what once would be an office’s worth of information. Accounting Solutions Ltd. has … Continue reading

The post Why The IRS Keeps Calling Those Who Use Tax Software: A Cautionary Tale appeared first on Chicago CPA, Accountant, Tax, Audit, Small Business Accounting Services.



from Chicago CPA, Accountant, Tax, Audit, Small Business Accounting Services http://ift.tt/2yRU974

Santander Ultimate Cash Back Credit Card Review – $100 Bonus

In this Santander Ultimate Cash Back review, we’ll cover the pros and cons of the card, as well as outline the bonuses, so you can decide if it’s for you.

Santander Ultimate Cash Back review

How many cash back credit cards is too many? Right now, as I dig through my wallet, I count seven of them. The Citi® DoubleCash Card, Chase Freedom®, Discover it® and so on. Each provides a slightly unique attribute that I take advantage of at least once a year.

I think I might make room for an 8th cash back credit card from Santander. The Santander® Ultimate Cash BackSM credit card does a little bit of everything with it’s $100 cash bonus, and strong rewards program. But it also does something truly unique in the cash back credit card world.

Santander has more than 650 branches where customers can speak to representatives, learn more about card services and more. They offer real-time fraud monitoring, sophisticated online account management and many other perks that go along with having an account with a major financial institution. However this cash back credit card is only available to residents of Connecticut, New York, New Jersey, Massachusetts, Vermont, Rhode Island, Pennsylvania, Maine, New Hampshire, Delaware and the District of Columbia.

Santander Ultimate Cash Back Credit Card Rewards

Cardholders can get cash back for a wide variety of purchases using the Santander® Ultimate Cash BackSM credit card. You can earn cash back anywhere you shop. The cash is given out via statement credits. This means that every purchase you make can potentially go toward paying down your balance. Cash-back rewards can also be redeemed in the form of gift cards and merchandise.

You’ll receive 1.5 percent cashback on all new purchases. There are never any categories or limits when it comes to qualifying for cash back. There’s also a nice $100 cash bonus. New cardmembers will receive $100 in the form of a statement credit once $500 has been spent within 90 days of opening an account.

Rewards never expire and there is never any minimum requirement needed to redeem rewards. Redeem your cash back anytime you want, in any amount you want. On weekends, during Yom Kippur … whenever your heart desires.

Any rewards you earn will not automatically be issued to your statement balance. It’s actually necessary for cardholders to log into their accounts and manually claim their rewards in the form they prefer. While many people enjoy having control over collecting their rewards, it does require that extra step. It’s important to remember to check your account on a regular basis to ensure that rewards are actually being used properly.

Last point to make about the rewards program; the 1.5% cash back rate applies only to purchases. You earn nothing for balance transfers or cash advances.

The Unique Hook–3% APR on Balance Transfers

The Santander® Ultimate Cash BackSM credit card stands out for offering a high cash-back rate without fees. In fact, it is essentially a fee-free product so long as payments are made on time. The card offers consistent rewards and simple rules in the place of flashy, highly segmented rewards. Here’s a look at some of the highlights:

  • No annual fees
  • No balance transfer fees
  • Zero foreign transaction fees
  • No cash advance fees
  • No returned payment fees

Also included is a 3% intro APR on balance transfers for the first 12 months. It’s very rare for a credit card issuer to offer the combination of no balance transfer fee and low intro APR. In fact, this is the only cash back credit card that would qualify. Essentially, without a balance transfer fee, Santander is daring you to bring your current credit card debt over. Balance transfers must be made in the first 90 days in order to qualify for the 3% intro APR.

After the intro rate expires, the balance transfer APR becomes 15.49% – 24.49% variable.

The Santander® Ultimate Cash BackSM credit card is also a good option if you travel often and you’re looking for a card you can make purchases with outside of the United States. Most other cards charge a foreign transaction fee of at least 3%.

MasterCard Protections and Perks

The Santander® Ultimate Cash BackSM credit card is a MasterCard-branded product. This means that cardholders also get all of the same perks that go along with having a MasterCard credit card. Here’s some of what cardholders receive automatically:

  • Purchase protection–If anything you purchase is damaged or stolen inside of the first 90 days, MasterCard can get it fixed or replaced for you, free of charge.
  • Price protection–If you find the item you purchased cheaper within 60 days, call MasterCard and they’ll reimburse you the price difference
  • Travel protection–This covers a wide variety of areas. The most common uses include damaged luggage reimbursement, travel accident insurance and trip cancellation insurance, should you not be able to make your flight/hotel.
  • Rental car insurance–Very very important caveat here; only specific types of four door sedans and SUV’s are covered. If you sign the insurance waiver at the rental car counter, and you use this card to pay, you’re covered for damages. That said, those damages are not covered on luxury vehicles, sport vehicles and trucks or motorcycles.
  • Extended warranties–Mastercard doubles your warranty, up to one additional year.

Here’s a full list of MasterCard perks and protections

Is This Card Right For You?

First, a couple of reasons why this is not the card for you.

  1. The Santander® Ultimate Cash BackSM credit card isn’t an ideal option if you’re looking for a card that offers an interest-free introductory period. There are many other great cash back credit cards that offer at least a 0% intro APR for 12 months on purchases.
  2. Beyond the intro APR on balance transfers, this card is also not one to carry a balance on. The high end of the APR spectrum is simply too expensive.
  3. If you enjoy getting 3% cash back on gas or 5% on select categories each quarter, then this is also not the card for you. A flat 1.5% cash back comes in handy on a lot of everyday purchases but I admit there are cards that can do better on select purchases.
  4. You don’t live in the north-east. Sorry to say that the card is restricted geographically.

Now, a few reasons why you should own the The Santander® Ultimate Cash BackSM credit card.

  1. If you have an outstanding balance on another credit card and are paying more than 3% annual interest, this card offers a big savings punch. Average credit card interest rates are around ~19%, so on a $10,000 balance, you’ll save $1,600 in interest simply by transferring your balance to Santander.
  2. Who doesn’t love a cash bonus? Spending $500 in 90 days is a quick way to earn $100 on the house.
  3. No nonsense, no fee cash back credit cards are easy. Including Mastercard protections; you never have to worry about missing a cash back opportunity or getting charged for something you didn’t buy.

Santander Ultimate Cash Back Bottom Line

The bottom line on this card is that it offers 1.5 percent cash back for everyday purchases. There’s no need to do any calculations or wait for special categories to be added to the list of cash earners. While this level of consistency can be comforting, it can also make you feel like you’re missing out on higher cash-back rates available from other cards. Of course, those cards require you to chase your rewards a little bit more.

The Santander® Ultimate Cash BackSM credit card is an especially good fit for anyone who already does their banking with Santander. This is ultimately a predictable, highly practical card that will work for earning a high rate of rewards for everyday purchases. It works best for anyone looking for generous rewards with little risk or excitement.

Topics: Credit Cards

The post Santander Ultimate Cash Back Credit Card Review – $100 Bonus appeared first on The Dough Roller.



from The Dough Roller http://ift.tt/2yWaY2J

{#TransparentTuesday} hotness versus pleasure

What if you had to choose between
being hot, or experiencing pleasure?

I’ve been toying with this question lately, as a thought experiment.

Hypothetically, if you had to choose between looking hot (that is, being considered hot by society’s standards) and being embodied (that is, connecting to your body’s sensory pleasure), which would you choose?

I figure most women would choose– or at least would want to choose– to experience embodied pleasure.

After all, who would admit to being so vain or shallow that you’d rather be hot than fully inhabit your own skin??

Then I really started digging into it.

For the purposes of this thought experiment, the definition of hot is significant.

“Hotness” is a particular kind of beauty which is focused on following the social rules of sex appeal.

Other words for attractiveness, like “beautiful,” “sexy,” and “pretty” all seem fairly subjective to me, relying on personal preference, personality, relationship, and context.

But “hotness” is fairly objective. It’s an assessment of a particular person’s ability to follow the agreed-upon (and ever-evolving) Rules of Hotness.

Hot is more of a checklist than a personal state, and we can all acknowledge, even when we don’t personally find a person attractive, that if they check enough boxes, they are objectively “hot.”

Here are some of the boxes which a modern woman must check in order to be hot. You’ll notice that many of these are actually “achieved” through effort, skill, time, and money, rather than inborn:

  • A thin/toned hourglass body

  • Big perky breasts

  • Long femme smooth hair

  • Youthful appearance

  • Big doe eyes

  • Kardashian level makeup

  • Smooth and hairless skin

  • Well-fitted clothing and high heels

  • A particular way of moving, speaking and posture

Now just to clarify, I’m not saying these things are required to be attractive. I’m simply observing that “hotness” is a collection of socially-agreed-upon markers of attractiveness and sexual appeal, and for women the above list covers a lot of them.

If you need further proof, look no further than the fascinatingly dramatic before/after effects of hair/makeup/styling that porn stars go through. They might begin the process as average-looking woman, but by the end they have checked enough boxes to be unfailingly “hot.”

This is relevant, because our society praises and rewards female hotness. Which means the question of hotness versus pleasure is really about having social currency versus having a strong connection to self.

If a person gave up pleasure in exchange for hotness, they would also be gaining success, money, opportunities, a more diverse pool of partners to draw from, and more privilege in general.

Hotness also gains us access to a feeling of being valued, visible, and accepted. So with that in mind, why would anyone ever choose pleasure??

Sure, you could have incredible embodied sex and an enormous amount of sensual delights, but life would be significantly more difficult. You would struggle to gain attention, visibility, and a feeling of being valued.

To that end, it isn’t exactly superficial or vain to choose hotness, is it?

I’m posing this thought experiment to you because in a lot of ways we really do have to choose between the two.

We can only really focus on our internal selves or our external selves at any one time. Think about when you’re having sex, and start thinking about how your body looks from that angle. Immediately you’re not in your body anymore, right?

You can’t really stay inside your body while also imagining how you look/seem/come off from the outside.

This is actually a very common reason so many women don’t experience as much sensual or sexual pleasure as they want. Because as women we’ve been taught to constantly stay focused on our external selves– what people see or think about us, what we look like, and how we’re coming off to people.

Not to mention the fact that we have a finite amount of time, money, energy, and attention to spend.

If we spend even a few hours per day gaining “hotness” points (on hair and makeup, shopping and outfit selection, skin care, hair removal, diet and exercise choices, appearing to have it all, etc.) we can’t spend that time and energy on the stuff required to become re-acquainted with our internal selves.

Our hotness eats up the resources which might have otherwise been free to pursue emotional processing, healing, restfulness, time in nature, meditation, joyful sex, intimate bonding, and all the other channels for mindfulness and sensory pleasure.

You can see that in a lot of ways my hypothetical is a real question, right? I suppose I’m suggesting that we get a little more honest about the situation.

My hope is that bringing more honesty to the situation we’re in (of needing to choose between hotness and embodied pleasure, in a culture that rewards hotness), we might eliminate some of the shame that women feel about choosing the way they do.

Yes it’s a dark thought.

But if you’re a woman who values opportunities, success, ease, approval, acceptance, attention and belonging more than anything else right now, then you might be willing to make this trade.

And if we can recognize the fucked up system we’re all working in, then maybe we can stop judging each other or ourselves for making either choice, and take a lot of the shame out of being female.

You’re not shallow, you’re savvy.
You’re not vain, you’re street-smart.

By the way, I totally see that this is kind of a weird thing to say as a body image coach who preaches unconditional self-acceptance and authenticity, but think about it:

  • What is more self-accepting than recognizing you value being treated well by society more than you value great sex or other physical sensations?
     
  • What could be more authentic and empowered than proudly proclaiming you are making a conscious trade, fully aware of (and consenting to) the consequences?

Just some food for thought.

Because maybe (just maybe) if we can start by accepting that we don’t accept how we naturally look, we can nip the disempowering shame spiral that confines so many women in the bud.

Because cultural rebellions (and yes I still do believe we are in need of a cultural rebellion) cannot be led by women who are living in shame.

<3

Jessi

The post {#TransparentTuesday} hotness versus pleasure appeared first on Jessi Kneeland.



from Jessi Kneeland http://ift.tt/2zIT9Br

Thursday, October 26, 2017

Climbing North and South Twin Mountains

Marquise Vancouver on Cambie Corridor – Plans, Prices, Availability

New Cambie Corridor presales from Mission Group Homes.

At a Glance

  • located at Cambie & King Edward
  • 6-storey concrete mid-rise
  • 50 condos from 1-3 bedrooms
  • 8 x 2-storey laneway townhouses
  • short walk to Canada Line
  • near Queen Elizabeth Park & Hillcrest Community Centre
  • close to schools
  • goal of LEED Gold certification

Designed with Precision
Marquise is a brilliant collection of 58 flawless residences designed with precision. Located in the centre of Cambie with unobstructed views of downtown and North Shore Mountains. Marquise is just steps from SkyTrain, the shops and restaurants of Cambie Village, and Queen ELizabeth Park.

Be A Presale Condo VIP!

Find Out About New Presales & Get Access to VIP Openings & Special Promotions!

Are you a realtor? Click here

  • Reload
  • Should be Empty:

Pricing for Marquise
As this development is in pre-construction, pricing has not yet been finalized. Sign up to our VIP list above for priority access to Marquise updates.

Floor Plans for Marquise
Purchasers have a choice of 1- to 3-bedroom condominiums, ranging from 550 – 1,337 sq ft. or 2-bedroom, 1,009 sq ft townhomes. Contact me today to discuss availability and plans according to your needs.

Amenities at Marquise
Residents will enjoy the use of an interior courtyard and a shared rooftop space with superb views of the Vancouver skyline that includes a childrens play area, outdoor dining area with barbecue, and gardening beds. All ground floor homes come with private patios. Level 1 apartments facing the courtyard have a private deck. The laneway townhomes include both private patios and rooftop decks.

Parking and Storage
Marquise will provide residents with 66 vehicle and 85 bicycle parking spaces in two levels of underground. Additional storage space is also available underground.

Maintenance Fees at Marquise
TBD.

Developer Team for Marquise
Mission Group Enterprises is the parent company to a rich set of businesses united by common values. Headquartered in Kelowna, British Columbia, it focuses on residential and commercial real estate development, and construction. Mission Group Homes has completed several multi-family communities across southern British Columbia. Over the years, the company has received numerous Canadian Home Builders’ Association Tommie Awards including Multi-Family Builder of the Year in 2014, Built Green Builder of the Year in 2012, Outstanding Customer Service in 2012, 2010, and 2008, Townhome Community of the Year in 2010 and Building Company of the Year in 2007.

GBL Architects is a progressive Vancouver-based firm of 38 architects, project managers and technicians with a 25-year reputation of providing a full range of architectural services to the private and public sector. GBL design with the belief that form plays a vital role in defining experience through an ever-changing dynamic between sculptural artistry and social responsibility. To that end, they regularly practice green design through the LEED Canada Program.

Expected Completion for Marquise
TBD.

Are you interested in learning more about other homes in the Cambie Corridor, Mount Pleasant, or Southeast False Creek?

Check out these great Cambie Corridor Presales!

The post Marquise Vancouver on Cambie Corridor – Plans, Prices, Availability appeared first on Mike Stewart.



from Blog – Mike Stewart http://ift.tt/2hdNfS7