Steps to Getting A Financial Advisor in your 20s

Getting a financial advisor in your 20s is a responsible thing to do. At the every least, it means that you are serious about your finances. Finding one in your local area is not hard, especially with SmartAsset free matching tool, which can match you up to 3 financial advisors in under 5 minutes. However, …

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17 Tips to Transform Your Outdoor Space

Whether it's improving your garden or making your patio BBQ-friendly, these clever tips will have you taking your space to the next level, all for practically nothing.

Beautiful Natural Spaces

1. Bring in the Birds
Don’t throw out those net bags that onions and citrus fruits come in! In early spring, fill them with anything that might appeal to nest-building birds: pet hair, human hair, lint, plant clippings. Then tie off the bag and hang so birds can help themselves and nest nearby. You can use the same bags to serve suet to your feathered friends in the winter.

2. DIY Birdbath
Want to try a birdbath but don’t want the expense and commitment of those heavy commercial types? Simply use a sturdy tomato cage as your base, topped with a round drainage tray for potted plants. It’s easy to move and very affordable! Place some colorful marbles or pebbles in the tray before adding water—the brighter the color, the better to attract birds.

3. Get Reddy for Hummingbirds
These fast fliers are attracted to red. But if your garden color scheme is less fire engine and more pastel, you can fake it. Just wire some red silk flowers around the garden until they discover nectar-filled flowers you’ve offered in other colors.

4. Make Your Own Nectar
Don’t spend money on hummingbird nectar when it’s so simple to make! Just dissolve 1 part sugar in 3 parts water, then add a few drops of orange extract or orange juice. Use it immediately, or keep it in the fridge for up to 2 weeks.

5. The Butterfly Water Cooler
Butterflies like puddles to gather around and drink. Make a butterfly water station out of an old cookie sheet or big saucer lined with gravel. You can also “plant” an old mug up to its rim in the soil, and fill it with water when rainwater doesn’t keep it supplied.

6. Baby Your Garden
Got some old baby gear in the basement or attic? Make your family wonder by getting it out! Then take it outside. Baby gates, spindle cribs, and even the metal springs from cribs make easy trellises you can train flowers or vegetable vines to climb.

7. Stones From a Tree
Having a tree taken down? Put it to good use! Cut some “slices” (about 2 inches thick) to use as stepping-stones.

8. Mulch with Souvenirs
Every beach vacation, we bring home more shells and stones than we can use for decoration around the house. So we now bring many into our outdoor spaces. They make perfect mulch and accents around plants, just like purchased pebbles from home centers (without the steep price)!

Outdoor Problems Solved!

9. A Sweet Concrete Cleaner
Powdered lemonade mix can come to the rescue to help scrub away stains on your concrete! Simply add a few drops of water to the drink mix, just enough to form a paste. Apply the paste to a concrete stain and use a stiff scrub brush to scrub the area clean.

Entertaining Ideas

10. Lanterns for Much Less
Trendy outdoor décor stores sell lanterns for a pretty penny. But you can make your own with all kinds and sizes of jars—from baby food and minced garlic to pasta sauce and even large pickle jars. Once they’re clean with the labels removed, simply place a votive candle in the jar. You can add pebbles or sand to the jar to raise the height of the candle or steady a taller candle. Want a hanging lantern? Fine-gauge wire can be bent to form a handle, with the rest wrapped around the mouth of the jar to secure.

11. Create Your Own Luminarias
Have empty tin cans you can repurpose? Fill them with water and freeze overnight. Once frozen solid, you can use a large nail and hammer to punch holes in a decorative design on the cans. Need a guide? Draw the design you want with a dry-erase marker that you can wipe off later. After the design is complete, simply let the water thaw, empty, and dry the can. Light a tea light inside for your own custom luminaria!

12. Color Swatch Your Lights
White string lights can go from simple to sensational with a trip to the paint counter—or maybe even your junk drawer! Collect some paint swatch strips in fabulous, bright colors. Curl them into cylinders (with the color sides facing out) and secure with clear tape. Slip one sleeve over each bulb on your light string, and attach it to the wire with tape or a small binder clip. Magical mini lampshades for free!

13. Ladder Up
Need more serving space while entertaining? Place plywood planks across the rungs of a stepladder. Runners can cover the plywood for a fancier look. Now you have a tiered serving station for food or drinks that tucks away again until the next time you need it!

14. Protect Those Drinks
Keep bugs out of drinks by supplying cupcake liners. They easily slip over the tops of cans and glasses. And you can pop a straw through them if desired. Put a stack in a mason jar for a pretty display that you can label with the intended use.

15. Forget the Ice
Replace the ice for your drink cooler, tub, or kiddie pool with frozen water balloons. To make them, fill the balloons two-thirds full and stick in the freezer. When the drinks are gone and the ice has melted at the end of the day, have fun!

16. Condiment Cleanup
Repurpose inexpensive, clear soap dispenser pumps as condiment servers. You’ll upgrade your picnic table from plastic bottles, and make topping that burger or hotdog easier, with less mess.

17. S’more Solutions
Is it feeling crowded around the fire, or are flames rising too high for kids to toast s’mores? Line terra-cotta pots with aluminum foil. Then add charcoal and light. These handy little cookers allow each person to have their own fire to toast marshmallows with ease. Sticking with one big fire but need to toast a lot of marshmallows for the hungry masses? Use a clean metal rake to fit them all over the fire at once.

What Are Mutual Funds? Understanding The Basics

If you’re one of those investors with very little time to research and invest in individual stocks, it might be a good idea to look into investing in mutual funds. Whether your goal is to save money for retirement, or for a down payment to buy a house, mutual funds are low-cost and effective way …

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How to Clean Jewelry Using Common Household Items

Baking soda

Easy DIY jewelry cleaner

Baking soda mixed with hydrogen peroxide is a great cleaner for lots of household objects, and it’s also a safe and effective cleaner when it comes to cleaning gold, silver, and costume jewelry. For best results, make a by adding drops of hydrogen peroxide to the baking soda, then rub gently on your jewelry. Rinse off and wipe dry. It gets rid of dirt, grime, and body oils, and leaves your gold and silver sparkling.

Quick and easy way to clean silver jewelry

If your silver jewelry is starting to look a little dull or needs polishing, stick it in a bowl with a few tablespoons of baking soda and a square of aluminum foil.  Let it sit for about 30 minutes, then wipe clean. The aluminum acts as a catalyst for ion exchange, a process that will make the tarnish transfer from your silver to the baking soda. This is the magic of science, folks!

Dishwashing detergent

Gem-polishing potions

Wondering how to keep your beautiful jewelry looking like the first day you wore it? Gentle dishwashing detergent and water plus a soft cloth can clean rubies, amethysts, citrines, emeralds, sapphires, and garnets. Diamonds can be washed similarly: Fill a small pot with a cup of water, plus a teaspoon of dishwasher detergent. Add your diamonds, bring the water to a boil, then turn off the heat and let the pot sit until it cools. Once it’s cool (but not before), carefully remove your jewelry and rinse.

Just make sure to wash each piece separately to avoid chipping.

See also: 12 Surprising Personal Uses for Baking Soda

Classic jewelry cleaning recipe

Here’s the recipe that we received from reader Madelyn Jessup, which her mother always used to wash her gold jewelry: Mix 1 teaspoon dishwashing liquid with ½ teaspoon ammonia and 1 cup warm water. Dip the jewelry into the solution for 10 seconds, and use an old toothbrush to brush off any marks. Your gold will look sparkling new!

… And other household items

Another easy clean for gems

The easiest way to clean emeralds, diamonds, rubies, and sapphires may be with club soda. Place your jewelry in a glass of it overnight and they will shine like new in the morning.

Related: 6 Clever Hacks to Solve Jewelry Mishaps

Get sparkling pearls with vegetable oil

Because they’re so fragile, pearls shouldn’t get wet—and can’t be cleaned with normal jewelry cleaners. Instead, use vegetable oil. Dab some oil on a soft cloth, then gently rub on each pearl. Let the vegetable oil dry overnight, then buff with a soft cloth to remove dust and oils that can make pearls look dull over time. The best way to care for a pearl (or coral) necklace is to wear it regularly—oils from your skin add a gentle luster.

Quick clean for costume jewelry

Clean costume or inexpensive jewelry by dropping two Alka Seltzer tablets into a glass of water. Immerse jewelry for about five minutes and pat dry with a clean towel.

These stones should never get wet: Since turquoise, opals, amber, and marcasite are porous stones, never immerse them in water. Instead, polish them with a soft, dry chamois (clean claws with a soft bristle brush). Wipe with sweet almond oil to remove any grease marks, if desired.

Just for fun: How to Insure Jewelry and Expensive Gifts

For more cleaning tips from all around the internet, check out our Cleaning Tips board on Pinterest. And don’t forget to sign up for our newsletter and follow us on Facebook and Instagram!