Are You Rich?

While we’d all love to be millionaires and not have to worry about money, you don’t necessarily have to have such a huge bank account to be considered rich. The truth is, it all depends on where you live, and a new report reveals that in some states you can make less than $100K and still fall into that category of “rich.”

A GoBankingRates study finds there are actually 20 states where it is possible to earn less than $100K, and still be considered rich. They defined rich as having income in the 80th percentile of all households within a state, and then took into consideration things like home prices, and cost of living expenses, like groceries, transportation and more.

So, where can you live “rich” on less than $100K a year? Well, Mississippi is the state where that money will go the farthest. In fact a person only has to make $81,038 to fall into the rich category. Plus, in Mississippi, median top-tier homes cost only about $218,000, while the state has the overall lowest cost of living in the U.S.

Top 10 States Where You Can Be “Rich” For Less Than $100K(The amount of money you need to make to be “rich”)

  1. Mississippi ($81,038)
  2. Arkansas ($81,917)
  3. West Virginia ($82,384)
  4. Idaho ($86,701)
  5. Kentucky ($87,408)
  6. Montana ($88,241)
  7. Tennessee ($88,339)
  8. Alabama ($88,984)
  9. Oklahoma ($89,267)
  10. South Carolina ($89,604)

Click here to see the complete Top 20.

Source: GoBankingRates

Are you dreaming of the day when you can say good-bye to the office for good and head to a beach where you can spend your days enjoying retirement? While you may have a specific place in mind for the latter part of your life, not every state is all that great for it, and a new report reveals which ones are the best and the worst.

WalletHub looked at all 50 states to determine which are the best and worst to retire in, judging them on 46 key indicators including things like affordability, health-related factors and overall quality of life. 

Now we all may joke about Florida being filled with old people, but it seems there’s a good reason for that. Florida once again tops the list as the best state to retire in, scoring a 65.60 out of 100 and landing on top for affordability, and pretty high for overall quality of life as well.

Ten Best States For Retirement

  1. Florida
  2. South Dakota
  3. Colorado
  4. New Hampshire
  5. Virginia
  6. Utah
  7. Iowa
  8. Wyoming
  9. Pennsylvania
  10. Minnesota
  • On the flipside, retirees are going to want to stay clear of Kentucky, which scores only a 43.85, and is near the bottom for quality of life and healthcare. As for the overall least affordable state to retire in, that would be Vermont, with Hawaii, although beautiful, coming in just behind them.

Ten Worst States For Retirement

  1. Kentucky
  2. Rhode Island
  3. West Virginia
  4. Vermont
  5. New Jersey
  6. New Mexico
  7. Arkansas
  8. Mississippi
  9. Louisiana
  10. Maryland

Click here to see where your home state falls on the list.

This time of year a lot of us feel down and out after the holidays are over and we’re looking at months of winter ahead. About 5% of people actually have seasonal affective disorder, a kind of depression that’s triggered by the change of seasons. But even if you don’t officially have that, the dark, cold months can leave us feeling low, so try these tips from Dr. Barbara Nosal, chief clinical officer at Newport Academy, to battle the winter blues.

  • Get your heart pumping - Exercise is always important, but staying active this time of year can help you fight off the winter blues. Dr. Nosal says 30 minutes or more of daily exercise increases the production of serotonin, a neurotransmitter that helps regulate mood and social behavior, along with sleep, appetite, and memory, which contribute to a balanced mind and body.
  • Make your house smell good - Essential oils can be a powerful way to perk up with scents. Not sure where to start? Different oils have different effects, Dr. Nosal suggests citrus-y oils for energizing and scents like lavender for calming and soothing.
  • Open your blinds - Spending time outside helps regulate hormones and neurotransmitters that affect mood and behavior, but harsh winter weather keeps a lot of us indoors a lot this time of year. But you can reap the benefits of sunlight by letting the natural light into your place by opening the curtains and blinds in the morning.
  • Or rely on fake light - A light therapy box that gives off light that mimics natural sunlight can help “naturally stimulate the body’s circadian rhythms and suppress the release of melatonin,” Dr. Nosal explains. She advises exposing yourself to about 30 minutes of natural light a day.
  • Find a therapist - Cognitive behavioral therapy can help you brainstorm practical solutions for your problems, so it’s less about stopping the winter blues from happening and more about learning how to cope with the symptoms.
  • Find time to do things you love - It’s easy to want to spend the winter hibernating on your cozy couch, but spending time with friends and doing hobbies and activities you like fills our creative, intellectual, and social needs. And all of that helps build self-confidence and fights off the winter blues, so don’t bail on your next happy hour invite.

Source: PureWow

While these days most people seem to spend all of their time on their phones, a new survey reveals some good news. It seems folks haven’t given up on reading.

A survey of 2,000 Americans find that 86% of people say they make the effort to read in some way every day. In fact, folks say they spend about two hours a day reading, although that could be, ebooks, newspaper articles or websites, which translates to about 700 hours of reading a year, or 30 full days.

The poll notes that folks 25 to 34 tend to read the most per day, about two hours and 52 minutes, yet 63% of that age group says they don’t feel they have enough time to read, the highest amount of any generation.

  • Of course, there are plenty of things that are keeping people from reading as much as they may like, and not surprising, scrolling through social media was named the thing Americans waste their time on most (49%). Other ways they are wasting time include: 
  • Apps and games on a phone/tablet (30%)
  • Watching TV shows (29%)
  • Sitting in traffic (28%)
  • Constantly checking their phone (26%) 
  • And it sounds like more folks should consider cutting back on those time wasters to focus on a good book. The poll finds that 71% of people say they’d like to read more than they do, while 67% say they feel accomplished when they finish a good book.

Source: SWNS Digital

How many days a week do you spend your lunch eating at your desk? You’re not alone, it’s estimated that up to 40% of office workers typically do the same. We feel like multitasking through our lunch “break” helps us power through our workload, but it can actually be bad for productivity. Food psychologist Dr. Christy Fergusson explains why we should stop eating lunch at our desks and how to reboot our routine to get the most out of our lunch hour.

  • We’re more likely to overeat at our desks - Research has shown that eating while distracted can lead us to eat more than we realize, which you may have noticed while mindlessly munching on lunch at your desk. So instead of overeating while staring at a spreadsheet on your computer, try stepping away to enjoy your meal, even if it’s just for a few minutes. It’ll allow you to focus on your food and pay attention to what and how much you’re eating, which will leave you more satisfied and not as stuffed when you’re finished.
  • We need a brain break - You’ll be more productive if you step away from your work for few minutes to refresh your mind. Actually taking a lunch break can break up your day and relieve stress, which helps you work better for the rest of the day.
  • We can get stuck in a rut - If you always run to the same cafe for the same quick salad or sandwich to eat at your desk, that routine will get old quick. But if you can find some time to prep your lunch at home, you can keep your midday meal fresh and healthy, and probably save some money, too.
  • All that sitting isn’t good for us - Office workers spend way too much time sitting every day, which has been shown to be harmful to our long term health and wellbeing. So take the chance to get up and get your blood flowing with a walk any time you can squeeze one in, like during your lunch break. If you can actually get outside for some fresh air and vitamin D while you walk, do it - sunshine is a great mood-booster.

Source: Prima

Jay and Dawn

Jay and Dawn

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