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Travel / Top 10 Budget Travel Tips For Tokyo And Japan by Techclusts: 10:37am On Apr 12
Top 10 Budget Travel Tips For Tokyo and Japan

You’re coming to Tokyo but you don’t want to spend an excessive amount of money. Follow these tips to help you keep within your budget and have a great vacation!

1. Trains

Rail fares on local trains are not expensive in Japan. My train route to work costs me 250 yen. This is just over 1 British pound or 2 US dollars. The same distance in the UK on London transport would cost me around 5 pounds. When you get here use the local train system as much as you can to reduce your travel costs.

2. Rail Pass

Planning on traveling across country from Tokyo to Kyoto, Osaka or other major destinations? Consider buying a Rail Pass. Note that the Pass can only be bought from your home country before landing in Japan. The great advantage of a Rail Pass is that it can be used on the shinkansen/bullet train along with all other JR lines including local. Pay one price and have access to unlimited travel for 1, 2 or 3 weeks.

RELATED: Why The Philippines Is A Budget Friendly Destination

3. 100 Yen Stores

The 100 yen store is the equivalent of a dollar or pound store. You can buy a multitude of items here. Pick up your souvenir gifts and also stock up on any treats such as crisps or chocolate.

4. Izekayas

If you want a good night out without spending a fortune, an izekaya is the best and most entertaining way to go. On top of that you’ll get a taste of real Japanese culture in action and see the locals really let their hair down as they socialize outside the rigidity of their normal business lives.

5. Capsule Hotel

Capsule hotels are a great way to save money – particularly if you’re a guy. Why guys? Many hotels are still men only, although there are some that now allow women too. Average cost in Tokyo is around 3,000 to 5,000 yen per night. This is approximately 15 – 25 pounds or 28 – 47 US dollars.

RELATED: Budget Travel Tips Every Traveler Needs to Know of

6. Business Hotel

Some hotels are known as business hotels as they do not have the same luxury of space as some of the bigger chains. If you don’t fancy staying in a capsule hotel you should consider the business hotel alternative. Prices usually start from around 7,000 yen and go to 15,000 yen per night.

7. Museums

It’s worth including some museums on your itinerary as they are not expensive in Japan compared to many other countries. Some are even free! Choose from science, history, art or technology museums and more.

8. Kaiten-Zushi

Sit at a revolving conveyor belt and eat to your hearts content. Notice that there are normally 4 or 5 different colours of plate. The reason is that each colour is a different price. Check how much they are and pick the ones that match your budget. Keep each plate after eating and then add them up for your bill.

9. Noodles and Ramen

Stand up with the locals and enjoy a delicious bowl of noodles or ramen at one of the many restaurants dotted around. Find them either inside, or in close proximity to, both subway and overland train stations.

RELATED: How To Travel As a Broke College Student (3 Easy Steps)

10. Lunch

At lunchtimes take advantage of the range of set menus that are available, both Japanese and international. Many places in the center of Tokyo offer an all you can eat option for 1,000 yen – 5 pounds or 10 US dollars.


Travel / Top 10 Things To Prepare For An Exciting Trek by Techclusts: 10:21am On Apr 12
So get ready, pack your bags, put on your shoes and get set for an adventure. Whenever you decide on a place for a trek confirm that the place is filled with plentiful of spots. Go for a place where there are plenty of captivating forests, gigantic mountains, mesmerizing waterfalls and picture perfect landscapes which can be explored.

Top 10 Things to Prepare for an Exciting Trek

Here are some tips which can be useful for you while going for a trek:-

1. Always practice before you trek

If you are planning for a trek after a month or even after six months, the first criteria to be kept in mind is that you have to necessarily keep on practicing. That means you have to increase your body strength and fitness slowly and steadily. You have to give your body time to adapt to the new demands that you are placing on it. Training, fitness and strength together will help you to enjoy the trek. Walking for an hour daily may also help you to increase your body strength and fitness.

2. Pack your bags systematically

The next important thing when you plan a trek is the essentials to be carried. Always remember that whenever you are on a trek carry all the things like medicines, food, water bottles, dry snacks, sun glasses, cap, extra pair of shoes and socks, sandals if required, two or three pairs of clothes (if the trek is for more than two days), towels, sleeping bag, walking stick, camera, binoculars, torch, plate, spoons, bowl, glass for dinner, breakfast or lunch and a rucksack to keep all the above things.

RELATED: 10 Surprising Facts About Macau You Should Know

3. Shop for good quality footwear

It is very necessary that you shop for good footwear for your trek. When you select your shoes, walking practice is very essential with those shoes to avoid blisters during the trek. Select correct size of your shoes. Wrong size may land you in difficulty on the actual day of trek.

Along with shoes also go for right pair of socks. The right shoes with wrong socks will ruin your trek. So while trying on shoes, wear the same socks which you intend to use on the day of trek. Look for material which has sweat captivating properties. If you are going for a trek in monsoon then try for water proof socks which are generally very easily available in any sports outlet.

4. Always go for some gym work

Now along with walking, gym work can also help you to enhance your capacity to walk on treks. It would strengthen your body muscles and thus help you to enjoy inclinations on the trek without getting tired. If you are not a gym person then go for yoga and meditation. It would also help you to increase your body strength.

5. Practice on similar walking landscape

Walking is very essential for training. It is very important to mimic the situations that you are going to experience while on trek. So practice on similar walking trails. Try to experiment with a loaded rucksack with the same clothes and shoes which you are going to wear on the trek. It will make a great difference to your speed when you actually trek.

RELATED: Best Place To Go For Adventure Activities In India

6. Practice using the rucksack

Every time you walk or practice you have to use the rucksack which you are to going to carry with you for the trek. So while selecting a rucksack from the store, check whether it is fit for you and whether you can carry it properly on your back. Also purchase a rucksack which has appropriate strips to hold it on your back and chest. A good rucksack with proper dimensions can help you to stand the load in it.

7. Use walking sticks for grip

It would be a good option to use walking sticks while trekking so that it does not affect your knees. Sometimes if you do not land properly or you fall mistakenly then the direct pressure of that fall may go on your knees. Therefore use of walking sticks would be very effective. Generally these sticks would be of a great help when you are descending down the mountains.

8. Keep hydrated while walking

The next suggestion would be to keep hydrated. You should always drink lots of water while trekking. Whether the climate is hot or cold your body will require water due to sweating and losses on the breath. Your heart would have to work harder as a result of which you will feel thirsty and exhausted. So try to drink small amount of water frequently throughout the day. Energy drink would also prove as a good option to keep you hydrated.

RELATED: How to Get Dubai Tourist Visa in 24 Hours

9. Fuel your energy requirements

Try to eat small but regular meals and snacks on the trek to maintain the energy levels. This would give you energy to complete the trek successfully. Eating of fruits is a good option as it will maintain your energy levels. It would be easy to carry and eat fruits on the move to the mountains and is excellent option to boost your energy. While you are practicing for the trek you can experiment with the food also. Never opt for oily and heavy food on the trek.

10. Keep fit and enjoy the trek

Last but not the least; the most important thing is to keep fit. Keep on practicing and enjoy the trek on the actual day of execution. Your trekking experience will be very exciting and interesting if you are fit. A trek can be easy for you only if you are fit. You will have to spend a lot of time, money and energy to get to your trekking location. It also requires efforts. So it makes sense to be in good shape and have suitable fitness.

Wrapping Up

By following the above guidelines not only will you be prepared positively for the trek but will also get lot to learn from the experience. I hope this article will boost you to go for your first ever trek with a positive attitude and excitement.


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Travel / Top Three Countries You Can Study For Free by Techclusts: 10:00am On Apr 16, 2022
Would you like to study in a country where you don’t have to pay a dime for your tuition? So many people want to study abroad for different reasons probably a dream to study abroad or a search for quality education and good life. Whatever the reason, students are usually faced with one major challenge and question “how do you do you fund your studies abroad”?

The standard of living and the caliber of schools and universities in so many countries has made it impossible for students without deep-pockets or proper sponsors to afford. Without a scholarship or grant, students often find it difficult to pay or continue paying for their education.

There are so many ways international students can sponsor their studies abroad especially in Canada, you can find out more about that here. One of the easiest ways to study abroad without spending much from your pocket is to find countries where education is free for everyone. You may not have heard, but there are so many countries that offer free education to international students from around the world.

The countries listed below are the top five in the world where students can study completely free and you don’t have to pay a dime. However, you will need to take care of other requirements such as paying for your accommodation, transportation, and feeding. Some countries will also require you to provide proof of funds in the form of a bank statement to ensure you have the proper finance to take care of other expenses except your tuition which is free.

Below are the top three countries where you can study for free. The problem you may encounter is getting a visa and traveling abroad when you don’t have the correct document or meet the eligibility requirement to move to the country. You can check out this free assessment calculator that tells you if you meet the necessary requirements to study abroad.

Top Three Countries in the World to Study For Free

Germany is one of the top countries in Europe and in the world and it is home to some of the best and top-ranked universities. Studying in public schools or universities in Germany is completely free for all international and local students. You are only required to pay a small fee of about €100 (£75) to €250 (£185) per semester and for your accommodation, your budget should be between €800 (£595) to €1000 (£695) per year. This is a very small fee to pay when compared to other top countries in Europe and in the world.


Norway is one of the most beautiful countries in the world with lots of beautiful and quality universities offering international students tuition-free course programs for undergraduate, postgraduate, and doctoral levels. The Norwegian government uses money collected from taxes in the country to finance these studies. The downside to studying in Norway is that so many universities there offer their courses in the Norwegian language. Although there are still so many universities that offer courses in the English language. A better solution is to learn the Norway language within the first six months in the country.


Sweden also has some of the best universities in the world with beautiful and standard learning environments for all students. The only expensive thing about Sweden just like Norway is the cost of living. Education is completely free, however, the cost for feeding, accommodation, and general living expenses is quite high.

How Do You Afford Other Expenses since Tuition is Free

The countries mentioned above are completely tuition-free, but you still need to feed yourself and pay for your accommodation which can also be expensive. The best way to raise funds and meet the proof of funds requirement is to get a sponsor. A sponsor does not necessarily have to be a direct relative or parent, you can find sponsors in your community, religious groups, etc.

Another way to afford your accommodation and other expenses while studying abroad is to find a job. So many of the countries listed here permit students to work while studying. This way, you can raise money for yourself and also be financially independent and free.

Visit Scholarsarena for more countries to study for free.

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Education / UCL Global Masters Scholarships For International Students 2022-2023 by Techclusts: 5:56pm On Apr 15, 2022
Apply for the ongoing UCL Global Masters Scholarships for international students 2022/2023 in UK, check out the Deadline and Requirements…

The UCL Global Masters Scholarships is encouraging International Students from low income background to pursue full-time master’s degree studies at UCL in UK for the 2022/2023 academic Session.

Look into the necessary informations like the Deadline, Eligibilities to know if you’re Eligible for the application, it might be the awaiting opportunity for you.

Apply also: Harvard University Scholarships for International Students 2022

About University College London

The University College London (UCL), is a major public research University located in London, United Kingdom, University College London is a member institution of the federal University of London, and is the second largest university in the United kingdom by total enrolment and the largest by postgraduate enrolment.

Why Choose University College London?

University College London has a history of academic excellence and is consistently ranked among the world’s top Universities, with many of it’s faculties leading their Fields, it is reowned for it’s world’s class research, global influence and impact across a broad range of subjects.

School of study
University College London
Level of Study
Postgraduate/Master’s degree Programmes
Eligible Countries
International countries

International Students from Low income background.

Application Award

The scholarship is worth£15,000 and is tenable for one year only.

Application Deadline
May 12, 2022

All interested candidates applying for UCL Global Masters Scholarships for international students 2022/2023 in UK must submit application form before it’s closing date.

Application Eligibility
To be qualified, Applicants must meet all the given Requirements:
Candidate must be eligible to pay the Overseas fee rate;
come from low income background
must have submitted an admission Application for a full-time master’s degree at University College London (UCL) in 2022/2023.
How to apply

Click on the link below to Apply…

APPLY HERE---https://www.scholarsarena.com.ng/ucl-global-masters-scholarships-for-international-students/

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Family / Help Your Child Understand What He Or She Reads by Techclusts: 7:28am On Apr 15, 2022
When children get to fourth grade, they no longer spend time in class learning how to read. Instead, they learn about science, social studies, and many other subjects. They read in order to understand.

Explain Things
Explain to your child how things work and what things are. Talk about music, politics, sports, history, or whatever interests you both. Conversations with adults help children build understanding.

Ask Questions
Ask questions that make your child think about what he or she just read. Say something like, “Why do you think he did that?” or “What’s happening now?”

Show your child new people, places, and things. As much as you can, give your child new experiences. Take him or her along with you to meet new people, go to different places, and see new things. Talk about what you see and do. Open up your child’s experiences so he or she can draw on that knowledge when reading.

Talk About Different Word Meanings
Play games with words. You can talk about how jam means something you put on toast as well as cars stuck in traffic. How many other words can your child think of that sound the same but have different meanings and spelling? When kids know what a word means, they have less difficulty when reading it.

Use A Children’s Dictionary
Buy or borrow a children’s dictionary. Show your child how to use it to look up the meaning of words. If you have access to the Internet, your child can also go to a talking dictionary to hear how a word is pronounced (in English).

Teach Your Child Comprehension Tricks
Show your child some tricks to better understand what he or she has seen or read. Four of these tricks are: summarize, predict, context, and monitor. Try these with your child with a TV show or sports game first. Then try it with a book. For example:

Ask your child to retell a story in just a few sentences (summarize).
Ask him or her to guess what might happen next (predict).
Show your child how to figure out the meaning of an unfamiliar word based on other words and pictures around it (context).
Explain how to pause while reading in order to ask himself or herself whether he or she knows what is happening, and if not, to re-read the sentence again (monitor).

Knowing how to do these things will help your child better understand what he or she reads here!--- https://www.scholarsarena.com.ng/help-your-child-understand-what-he-or-she-reads/


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Educational Services / Harvard University Scholarships In 2022 For International Students by Techclusts: 7:08am On Apr 15, 2022
Harvard University is the oldest university in the United States, having been founded in 1636. It is one of the most prominent universities in the world, named after philanthropist John Harvard.

Harvard is a private Ivy League university with ten academic faculties based in Cambridge, Massachusetts. Harvard College is the oldest, with the Schools of Medicine, Divinity, Law, Dental Medicine, Arts & Science, Business, Extension (Liberal Arts & Professional Courses), Design, Education, Public Health, Government, and Engineering & Applied Sciences following closely behind.

These schools provide 50 undergraduate, 134 graduate, and 32 professional degrees in total.

Harvard has produced eight US presidents, 79 Nobel laureates, and a small number of surviving billionaires to date. Harvard boasts the world’s largest endowment of $41.9 billion, which is unsurprising given its renown and impressive alumni roster. We’ll look at Harvard University scholarships for international students in this article.

International Students at Harvard University
The total number of students at Harvard is 21,261. Foreign students account about a quarter of the total, or 25%.

The Harvard Foreign Office serves the university’s international community. It provides support for student, scholar, and student visa services. At the same time, it assists the dependents of these students in obtaining the necessary visas.

Both international students and faculty members may acquire whatever they need here, from application forms to English competence certifications.

Tuition Fee for International Students
Undergraduate students admitted to Harvard College will need to pay a tuition of $56,000. This does not include other miscellaneous expenses, which contains the following expenses:

$20,000 for Room & Board

$3,500 for Books & Personal Expenses

$3,200 for Travelling Expenses
The tuition fee for Master’s and Ph.D. students starts at $51,000 for the first 2 years of study, and this full-tuition amount reduces to $13,000 during the third and fourth years of study.

Miscellaneous fees for graduate students include a Facilities Fee of $4,000 on the fifth year of study, an Active File Fee of $300, and a Mandatory Health Insurance of $1,250.

International Admissions Guide
Here’s a guide on how to apply to Harvard as an international student.

Application Fee
The Harvard College application fee costs $75. It may be paid online through the Common, Coalition, or Universal application system.

A US Bank cheque may be used to pay this fee as well, and for financially needy studies, the university offers a fee waiver to foreign undergraduate students who may not afford the cost.

Application to the Harvard Graduate School, on the other hand, is more expensive since it cost $105 just to submit your graduate application. Although non-refundable, eligible students – just like undergraduates – may request a fee waiver.

Admissions Requirements at Harvard University for International Students

Undergraduate applicants who are interested in going to Harvard need to submit the following application materials:

Completed Application Form (Common App & Other)
High School Records. & Transcripts (Translated to English if Given in Local Language)
Mid-year School Report, Teacher Evaluations, and Final School Reports
Standardized Test Results (SAT or ACT)
Proof of English Proficiency (IELTS or TOEFL) if Applicable
Supplemental Materials (Additional Documents, Articles, Images, or Videos)
International interviews may also be conducted as needed, but the call for an interview may vary from year to year.

If you are interested in applying to Harvard University Graduate School, you will need to submit the following:

Accomplished Application Form
Certificate of Bachelor’s Degree or Equivalent
Transcript of Academic Records
Standardized Test Results (GRE or GMAT) if Applicable
Letters of Recommendation
Statement of Purpose
Writing Sample if Needed
Application Procedure
For undergraduate students, you will need to submit the Common Application (or other application available) as well as submit relevant financial forms required by the university. Please look at the How to Apply Page of Harvard University for relevant information.

For graduate students, you will need to submit an application to relevant graduate schools. You will need to find a graduate school that you want to apply to, actually find the website, and apply. For example, for arts and sciences, you can apply using this link--- https://www.scholarsarena.com.ng/harvard-university-scholarships-in-2022-for-international-students/

© Scholarsarena.com.ng

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Travel / Re: 10 Best Places To Visit In The United States by Techclusts: 5:16pm On Dec 14, 2021
No pictures of the places or sights to behold?

You can get some sights of the places pictures using the link attached in the post.

(Apologies for the late response)
Travel / 10 Best Places To Visit In The United States by Techclusts: 1:43pm On Dec 10, 2021
With so much to see in this vast country, it can be difficult to know where to start when it comes to planning a trip in the United States. World-class cities, some known for history and others known for fun or glamour, give visitors a broad spectrum of places to choose from. The best places to visit in the United States may simply depend on your personal interests.

Along the Eastern Seaboard, New York and Washington, D.C. offer two uniquely different city experiences. Along the West Coast, San Francisco and Los Angeles are both hot spots for tourists. In the Southwest, Las Vegas brings the desert to life, and the Grand Canyon shows off one of nature’s greatest creations. Beyond the mainland are the beaches of Waikiki and the tropical Hawaiian Islands. These are just a few key locations, but wonderful destinations for any type of traveler can be found all over the country.

Discover more of America with our list of the best places to visit in the United States.

Note: Some businesses may be temporarily closed due to recent global health and safety issues.

1. New York
New York City is like no other city in the world, and one that must be experienced to be fully appreciated. For first-time visitors, walking the streets can be like walking through a movie set, with famous sites at every turn, from the Empire State Building, to Rockefeller Plaza, the Chrysler Building, Central Park, The High Line, Times Square, 5th Avenue, Broadway, and of course, the Statue of Liberty.

Sightsee by day, take in a Broadway show in the evening, work in time for shopping or a stroll, and relax and reminisce over a fantastic meal. This is New York. With too much to see and do in a day or a weekend, this is a city worth visiting time and time again.

2. San Francisco

San Francisco
San Francisco

This charming and picturesque West Coast city is the perfect getaway destination for couples, singles, or families. Famous sites, charming streets, beautiful views, and outdoor dining are all part of what makes San Francisco such a great place to visit.

Take a cruise on San Francisco Bay, tour Alcatraz, drive over the Golden Gate Bridge, wander around Fisherman’s Wharf, or hop on a street car to explore the city sites.

Summer or fall is a wonderful time to visit, but the climate here is mild and any time of year is pleasant.

3. The Grand Canyon

The Grand Canyon
The Grand Canyon | Photo Copyright: Lana Law

The Grand Canyon is one of those must-see, bucket-list destinations that have been attracting visitors for generations. Gazing out over the canyon walls to an endless horizon and an unfathomable depth below is one of the highlights of any trip in the United States.

Visiting the Grand Canyon can easily be done on a day trip from Las Vegas or Phoenix, and from some smaller cities in the vicinity, including Sedona or Flagstaff. Another option is to incorporate a visit into a larger driving trip through Arizona and surrounding states. A train trip from Williams, AZ is another delightful way to experience the canyon.

The south rim of the Grand Canyon, which is the most popular and most visited section, is open all year, and visitors are welcomed at any time of year. To avoid the crush of summer visitors, consider arriving in the spring or fall; the weather is good and the crowds smaller. The road to the north rim of the Grand Canyon is closed in winter due to snow.

4. Houston

Houston from Buffalo Bayou Park
Houston from Buffalo Bayou Park | Photo Copyright: Lana Law

Houston is the perfect city for a friends getaway, a couples’ retreat, or a family vacation. With direct flights from cities across the United States and Canada, you can easily fly in to see a sports game, wander through Houston’s Museum District, lounge by a pool at one of the many luxury hotels, and spend your evenings enjoying incredible meals. Houston has developed into a hot spot for dining in the United States and is now well known for extraordinary cuisine.

If you want a relaxed but outdoor urban experience, rent a bike and peddle your way through the miles of paved trails in the parks or on the downtown streets. Rent a kayak and paddle along Buffalo Bayou in Buffalo Bayou Park.

In less than an hour, you can be on the nearby beaches at Galveston, and along the way, you can make a stop at Space Center Houston.

5. Las Vegas

Las Vegas
Las Vegas

This glittering city of lights in the desert holds a unique appeal, and one that has been attracting visitors for decades. Huge resort complexes, with all kinds of things to see and do at any time of year, have made this a destination that draws everyone, from want-to-be newlyweds who come here to say their vows, to families or singles who just want to hang out around a pool.

Entertainment options are extensive, with some of the music industry’s top stars calling Las Vegas home and playing to packed audiences every night. Cirque du Soleil offers another unique experience, and of course, each resort has something to entertain guests, from dancing fountains to an erupting volcano.

When you’ve had your fill of the city, there is plenty to explore in the surrounding area, with the Grand Canyon, Hoover Dam, Death Valley National Park, and Valley of Fire State Park all within easy day-tripping distance. Las Vegas is ideal for a long weekend if you live in Los Angeles or Phoenix.....still want to read more, click here -- https://www.techclusts.com/10-best-places-to-visit-in-the-united-states/

Source: https://www.techclusts.com/

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Business / 13 Ways To Save Money On Housing Costs by Techclusts: 11:33am On Nov 08, 2021
Housing is the single largest expense in most family’s budgets. Fortunately, that means it offers the greatest opportunity for saving money.

As you explore options to lower your housing costs, keep the following ideas in mind.

<b>13 Ways to Save Money on Housing Costs</b>
Everybody needs a home — but that doesn’t mean they need to spend half their income on rent.

Try these ideas to reduce or even eliminate your monthly housing payment to stress less, and save more in your personal finances.

<b>1. Move to a More Affordable Housing Market</b>
The median home price in San Francisco is $1,504,311, according to Zillow. In Cleveland, you can spend less than one-fifteenth of that for a median home: $96,455.

Better yet, you can move overseas and buy a home in a beautiful area, such as seaside or mountain towns, for a fraction of even that cost. And that says nothing of the lower cost of living in general, from food to entertainment to health insurance policies and beyond. There are countries where $2,000 per month buys the good life.

Nearly three-quarters (72%) of Americans live in or near the city where they grew up. To me, that indicates a lack of creativity, lack of open-mindedness, or simply no sense of adventure.

Take control of your own life and get intentional about your lifestyle, starting with where you live. Start at the country level, then choose a state or province, then choose a city, then choose a neighborhood. At each level, throw out your preconceptions and do some honest research on home prices, local amenities such as schools, crime rates, and other factors that affect your decision.

My family and I live in Brazil, for example, and thoroughly enjoy the lifestyle (more on that shortly).

<b>2. Brainstorm Ways to House Hack</b>
House hacking involves finding a way for someone else to cover your housing expenses.

For example, I rented a spare bedroom in my first home to a housemate, and she covered nearly three-quarters of my monthly mortgage payment. Despite meeting her over Craigslist, we became extremely close, and remain tight friends to this day.

A friend of mine rented out a suite of extra bedrooms in her apartment on Airbnb. If she rented it for two long weekends each month, it covered the bulk of her rent.

Or you could follow the classic model of house hacking: buying a multifamily property, moving into one unit, and renting out the others, so your neighbors pay your mortgage.

These represent just a few ideas — read up on other creative ways to house hack and ditch your housing payment.

<b>3. Do a Live-In Flip</b>
A different approach to house hacking involves buying a fixer-upper, moving in and renovating it at your own pace, then selling it for a tidy profit and repeating the process.

Hold the property for at least one year and you pay the lower long-term capital gains tax rate. Hold it for two years and your first $250,000 in profits (or $500,000 if you’re married) are tax-free due to the homeowner exemption.

This strategy works best if you have both the skills and the interest in remodeling old houses. Do it right, and your profits reimburse you for your mortgage payments over the last year or two.

Of course, it also means living in a work zone, at least while you’re making repairs. Your spouse may not see the same appeal you do, so make sure they’re on board.

<b>4. Take a Job that Provides Free Housing</b>
My wife and I haven’t paid for housing in over six years. As an international school counselor, her employer provides us with free, furnished, upscale housing.

We spent four years living in Abu Dhabi, the capital of the United Arab Emirates, and loved every minute of it. Today we live in Brasilia, the capital of Brazil, and enjoy it just as much. We haven’t the slightest idea where we’ll move next, and that’s part of the adventure.

And it does wonders for our savings rate: we save and invest every penny we’d otherwise spend on housing.

Play the “What if?” game by researching jobs that provide free housing. Once you start living without a housing payment, you’ll never want to go back to living like everyone else.

<b>5. Learn How to Do Your Own Maintenance & Repairs</b>
There are countless small tasks to be performed regularly to maintain a living space. Homes are physical assets after all, and every physical item gets old and starts falling apart. Faucets and toilets leak, animals and pests invade living space, and weather can wreak havoc on roofs and painted surfaces.

Fortunately, most repairs aren’t so complicated or require such specialized tools that the average person can’t figure out how to do them. Sites like YouTube, WikiHow, and DIY Network provide detailed steps on common problems from repairing leaky faucets to repointing the mortar in a brick wall.

Major retailers like The Home Depot or Lowe’s maintain a skilled staff to help walk you through more complicated projects. And you can, of course, always hire a contractor if you get in over your head.

<b>6. Downsize to a Smaller Home</b>
Bigger homes come with higher price tags. But they also come with an array of other higher costs including insurance, property taxes, maintenance, and utility use.

Maintenance includes home repairs and upkeep of course, but it also includes yard maintenance. Mowing the lawn. Trimming trees and hedges. Gardening. Landscaping. Edging your walkways so they look all crisp and neat to impress the Joneses across the street. All that means labor hours, whether you do the labor yourself or you pay someone else to do it.

That says nothing of the psychological pressure to fill the space with “stuff.” A bigger home means more furniture, more decorations, more gadgets and electronics, more toys. I’ve lived in huge homes and I’ve lived in small apartments and everything in between, and I’ve come to realize the truth in the statement “The things you own end up owning you” (bonus points if you can name the movie that popularized it).

When determining where to live, consider how much space you need to be comfortable, rather than automatically opting for a larger home. Aim to declutter and downsize, so you can spend more time and money on experiences you enjoy, and less on the trappings of a large home.....<b>Read more: https://www.techclusts.com/easy-ways-make-housing-more-affordable/</b>

Source: https://www.techclusts.com/easy-ways-make-housing-more-affordable/

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Science/Technology / A New Type Of Reef Neon Fish Is Discovered by Techclusts: 2:12pm On Oct 28, 2021
Far far away, behind the word mountains, far from the countries Vokalia and Consonantia, there live the blind texts. Separated they live in Bookmarksgrove right at the coast of the Semantics, a large language ocean.

A small river named Duden flows by their place and supplies it with the necessary regelialia. It is a paradisematic country, in which roasted parts of sentences fly into your mouth.

She packed her seven versalia, put her initial into the belt and made herself on the way.

Even the all-powerful Pointing has no control about the blind texts it is an almost unorthographic life One day however a small line of blind text by the name of Lorem Ipsum decided to leave for the far World of Grammar.

Demo Image 54
Caption can be used to add info but also credits with link | credits Unsplash
There were thousands of bad Commas, wild Question Marks and devious Semikoli, but the Little Blind Text didn’t listen.

And if she hasn’t been rewritten, then they are still using her
Far far away
behind the word mountains
far from the countries Vokalia and Consonantia
there live the blind texts
Separated they live in Bookmarksgrove right at the coast of the Semantics, a large language ocean. A small river named Duden flows by their place and supplies it with the necessary regelialia. It is a paradisematic country, in which roasted parts of sentences fly into your mouth.

Even the all-powerful
Pointing has no control about the blind texts it is an almost unorthographic life One day however a small line of blind text by the name of Lorem Ipsum decided to leave for the far World of Grammar.
The Big Oxmox
Advised her not to do so, because there were thousands of bad Commas, wild Question Marks and devious Semikoli, but the Little Blind Text didn’t listen.
She packed her seven versalia
Put her initial into the belt and made herself on the way. When she reached the first hills of the Italic Mountains, she had a last view back on the skyline of her hometown Bookmarksgrove, the headline of Alphabet Village and the subline.
Pityful a rethoric question ran over her cheek, then she continued her way. On her way she met a copy.

Source: https://www.techclusts.com/a-new-type-of-reef-neon-fish-is-discovered/

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