10-piece painting kit for professional 1-coat results on interior and exterior surfaces
9-inch and 3-inch roller frames ideal for large surfaces and hard-to-reach areas
Lint-free, high-density roller covers provide exceptional results on semi-smooth surfaces
2-inch polyester angle sash and trim brush; 2-inch foam brush for smooth, no-marks finish
Includes 2-inch plastic putty knife and paint tray
Remember the days when everyone had a traditional home landline and you only needed to remember one phone number to contact anyone living under the same roof? With everyone sharing the same line, messages were often lost in the shuffle and family members were forced to wait their turn to make calls, making communication difficult. Times have certainly changed.
Today, most people have shifted from home phones to individual cell phones, each with their own number. Communication might be easier, but if you’re on a family plan, deciphering the household cell phone bill can be complicated and confusing. With so many plan options, potential overage charges, and promotions, how do you make sense of your bill? As you review your monthly charges, keep these tips in mind so you understand exactly what you’re paying for.
Understand your current plan
Do you know the requirements of your current plan? Keeping track of your calling, texting, and data limits, and how much is allocated to each person on your plan, helps you identify any extra charges you might be hit with.
Some plans include unlimited calls, texts, and data, while others allow you a certain amount each month that can be shared with everyone on your plan. Other plans bill based on each line’s usage — if one member uses more than what is allotted, you will incur extra charges. Some plans allow you to roll over any unused minutes or data to the next month. With all these options, understanding what’s included in your plan is the first step to breaking down your cell phone bill.
Know your provider’s key terms
Your cell phone bill might have different key terms depending on who your cell phone provider is. Most providers use these same basic terms:Minutes are the number of minutes spent talking on a cell phone. Messages are the number of text messages exchanged (includes incoming and outgoing). Usage charges typically cover overage charges or costs for domestic or international roaming outside of your plan. Data covers any on-network data consumed, including visits to websites, app usage, streaming movies, and music. On-network means cellular data served by your provider — any data used over WiFi is not included in this number.
Keeping an eye on each line’s data usage is important. Most households share data, so if one member is overusing their share, your bill will reflect that. If other household members use less than their allotment, you’re fine, but keep an eye on your data because it can get used up quickly, especially if your teen begins streaming a lot of videos.
Some cell phone companies provide a section called “What’s Changed” so you can easily identify additional changes or charges for the new billing period. For example, if you added a new line or changed your plan, it will show up here. If a new charge pops up, compare your current bill to a previous bill to help assess what changed and to identify any possible trends in your family’s usage. Some terms that might appear under “What’s Changed” include:Roaming charges — charges for calls, texts, and data used outside of your service area or network. Activation fee — a one-time fee that is included on your bill if you added a new line to your account. Directory Assistance — calling 411 or (area code) 555-1212 for directory assistance will cost you extra. Operator-Assisted calls — any calls to the operator asking for assistance are an additional charge. Features charges — extra features, such as call forwarding, call waiting, caller ID, and three-way calling, are not usually included in a plan and are an extra cost. Know what the extra fees and taxes are for
In addition to usage and extra feature charges on your cell phone bill, several other fees and taxes are often reflected on your bill that are not included in your base rate. They often show up on as a “monthly fee” or “minimum monthly usage fee” and can include:911 — this fee helps fund access to emergency services in your local area. Universal Service Fund — required by the federal government to provide services for rural and low-income communities. All wireless providers must pay this fee, which is often passed down to customers. State Telecommunications Excise Surcharge (also known as Gross Receipts Tax Surcharge) — helps cell phone providers recover state and local taxes owed to the government. Regulatory Charge — another fee some providers charge to reduce costs that occur from complying with various government regulations.
Taking the time to scrutinize your cell phone bill can be eye opening. Data overages, roaming charges, and extra fees can all add up, leaving you with a bill that might not necessarily be meeting all your needs. If it’s time to switch, call or visit your provider’s website to find a plan that’s right for your family.
Lori Cunningham is a family tech advocate and contributing writer for Xfinity Mobile. Known for her ravenous curiosity, she started WellConnectedMom.com to share her passion with others who love or may be intimidated by technology.
The post Confused by Your Cell Phone Bill? How to Understand What You’re Paying For appeared first on The Money Pit.
From Source Article: moneypit.com
Sometimes, there’s nothing better than grabbing a perfect cup of tea or coffee and burying your nose in a good novel. And some students benefit greatly from having a dedicated space to read and study.
But for some homeowners, it can be difficult to do this because of the lack of space, quiet, or time. That’s why incorporating a reading nook into your house design is something that can give you your own quiet space to delve into that book you’ve been itching to finish – and it’s not too difficult to do!
Google defines a “nook” as: “a corner or recess, especially one offering seclusion or security,” but a reading space can be anything from a nook to an entire reading room. The choice ultimately boils down to your needs, available space, and budget.
The Chicago Public Libraries and Aarhus Public Libraries (Denmark) developed a design thinking method that resulted in a comprehensive guide to help library professionals design their public libraries.
Try immersing yourself in the life of whoever the space is for. For homeowners looking to design their reading areas, consider what the reading room will be used for. Yourself? Children? Both?
Consider visiting new or unfamiliar places. When you’re in the conceptualization phase of designing your perfect reading nook, go to places where people often go to read or relax. Visit locales where you enjoy being and determine the reasons why you enjoy being there. Perhaps a coffee shop or museum. This can spark great imaginative ideas so you can begin creating.Location. Location. Location.
When deciding where to put your reading nook, be prepared and be sure to consider things like:Sunlight
Keep in mind which rooms are most illuminated by the sun. Reading in bright sunlight might not be as comfortable as a spot that does not have the sunlight beaming through the windows. On the other hand, some may enjoy sunlight while indulging in a good read. Also consider how direct sunlight will affect temperature in the roTemperature
During colder months, it can be a nuisance to try to read when your fingertips are too cold to turn the pages! Reading is an enjoyable, laid-back, passive activity that should keep you cozy and comfortable so be sure whichever area you choose, the room temperature will be easy to maintain.Distance from other distractions
If you’re an easily distracted reader, Barnes and Noble suggests turning off your phone (among other things) but in your new reading area, you want to be sure you won’t be distracted by the sounds of the television, your neighbor’s pool party, or your teenager’s slumber party. Keep these things in mind when determining the perfect reading spot.Design Ideas Colors
A study done by Minnesota State University suggests that different blues, greens, pinks, lavenders, beiges and greys are effective for promoting relaxation.Accents
Adding elements to your reading area that create a sense of relaxation is a great way to ensure you can truly relax in your new reading room. Accent colors that enhance the purpose of your reading room can give it personality and pop. Align your accent pillows, curtains, lamp shades to the color palette you choose for your reading room’s design.
What will you need to truly relax? A convenient place to plug in speakers for audio books? A book holder? A coffee or tea pot? Determine what things will help you stay comfortable so that you can freely dive into your reading without having to be distracted by needing to go get something you could have designed to go in there.Lighting
The best lighting for reading depends on your vision. Experts suggest that the best lighting for reading depends on our vision. They say for those who have deteriorating vision (near-sighted), bright lighting is best. However, if relaxing with a book or magazine doesn’t strain your eyes too much, soft lighting can create a feeling of relaxation and coziness.
Creating the perfect reading spot for yourself (or children, or both), doesn’t have to be a daunting task but the rewards for having the space to fold up with a good book and not worry about distractions is worth planning ahead and making sure it has everything you want it to have.
The post How to Design the Perfect Reading Nook For Your Home appeared first on The Money Pit.
From Source Article: moneypit.com