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Here are four sophisticated fireplace designs to warm up any home!Peninsula FireplaceOpen on three sides (hence the name), this modern design can be enjoyed from virtually any vantage point.Suspended FireplaceFor a distinctly modern look, a suspended fireplace can hang from the ceiling or be mounted to a wall.Fire RibbonDesigned with a gas burner, fire ribbons are often used to create a long horizontal flame that complements any living space with crisp, flowing lines.Double-Sided FireplaceA doub...

If youre like most college graduates, odds are you left school with more than a degree and fond memories: You probably racked up student loan debt.For many Americans, this debt totals tens of thousands of dollars and often feels like a huge financial weight. Furthermore, repaying student loans can take some borrowers over 20 years. To help alleviate that burden and pay off your student loans faster, here are six strategies to consider:Go Beyond the MinimumAlthough a minimum payment is the least ...

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If you recently got a raise, you’re probably thrilled that your boss recognized your hard work. But, at the same time, your head may be spinning as you try to figure out what to do with the extra income. Before you go on a shopping spree, think about how much more money you will have"and the best way to spend it.How Much Will Your Net Pay Change?The increase in your annual salary is not the same as the increase in your take-home pay. Your raise could put you in a higher tax bracket. Wait ...

Here are four striking countertops that will up the style factor in your kitchen…Sintered StoneSintered stone combines the classic look of natural stone with all the benefits of a durable, man-made surface.SoapstoneWhether youre going for a traditional or modern look, this natural stone works well in a variety of styles.CaesarstoneMade from a blend of quartz and resin, Caesarstone is an increasingly popular manufactured surface.QuartziteWith bold swirling patterns quartzite is a natural stone ...

The Environmental Protection Agency estimates that the average American generates nearly 4.5 pounds of trash on a daily basis, more than half of which goes to a landfill.If youre looking to reduce your net trash output with the ultimate goal of joining the zero-waste movement, there are a variety of small steps you can take today.RefuseStart by not bringing any items into your house that you dont need. This includes company giveaways, such as a promotional tote bag from a work conference, free p...

Some kitchen tools and gadgets are splurges"an ice cream maker is probably rarely used by most"and others are essentials that you’ll likely use daily.If you’re just starting out in the kitchen and don’t own much more than a pot and a spoon, here are some essential items that are worth the money and will get you ready for cooking.Chef’s KnifeA full set of knives is great, but the one you’ll use most often is a chef’s knife"a big blade that can do many cutting tasks. A g...

Owning a pet can teach children important values that can help them throughout life.Giving and receiving unconditional love can teach acceptance and build self-confidence and trust.Recognizing and addressing a pet’s needs can build responsibility and compassion.Teaching a pet a new skill can help kids with patience and perseverance.Understanding how animals communicate can help children understand human nonverbal communication.Growing up with pets can teach kids not to fear unfamiliar experien...

With the endless demands of work, school, errands, housework and extracurricular activities, it can be difficult for family members to find time to sit down, relax and talk to each other. But carving out the time to connect with one another can provide a wealth of benefits. In fact, studies have found that regular family dinners can contribute to many positive outcomes and prevent negative ones.Sharing Family Meals Can Help Kids AcademicallyEating dinner together offers family members an opportu...

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Many parents are raising children with a large age difference, which presents a series of unique benefits and challenges. Understanding how your kids are feeling, communicating clearly and making them all feel important can help your children form a strong bond.Benefits and Challenges of a Large Age GapA wide difference in age can help older siblings learn patience and responsibility and become role models for their younger brothers and sisters. Parents may have more energy to devote to the need...

A bold and beautiful combination of Art Deco and Mid-Century Modern, heres how to infuse the Hollywood Regency Style into your home.Bold Patterns and PalettesContrasting color combinations and simple patterns are used to create visual drama throughout.Go Big on Lavish DetailsBring out the lacquered furniture and metallic finishes. This is a style for those who want to put grandeur on full display.Plush TexturesIt wouldnt be glamorous without a few sumptuous layers, like silk window treatments an...

Raising a family means dealing with laundry, cooking, cleaning and other chores. Parents often feel overwhelmed and struggle to get their kids to help out, but it doesn’t need to be that way.Start Early Young kids have a natural desire to spend time with their family members and to participate in activities. If your children want to help, find things they can do to contribute in a meaningful way. Letting kids dry dishes or put clothes in the washer can make them feel important, provide a sense...

If debt collectors are calling or sending you letters demanding payment, you may be worried"and for good reason.Not only can having a debt in collections stay on your credit report for up to seven years, but it can seem like youre being barraged by debt collection notices from a different company than the original creditor you owed. It can be confusing.If youre more than 30 days late on a debt payment, it may be reported as delinquent. Hit 180 days, and the credit card company, bank or othe...