Logos That Inspired Me

The Sky's The Limit

A view of Penang Bridge (13.5 km ), making it the longest bridge in Malaysia as and the fourth-longest in Southeast Asia

Innocent Boy

I am a boy. An innocent boy. I wonder why people can't live together here. I hear voices, whispering, running around frantically.

5 Money Moves Everyone Should Make By Age 30

Millennials, the current generation of 20-somethings perhaps best known for their tech-savvy ways, are growing up. The oldest members of the group are now turning 30, which means they increasingly have adult money issues on their minds. The need for long-term savings accounts, retirement funds, debt payments, mortgage payments, and family-related costs are among the responsibilities weighing them down.

The good news is that the financial services industry wants to help. Eager for younger customers’ business, they have been busy analyzing millennials’ financial challenges and trying to figure out how they can best reach out to them. As a result, a handful of financial services companies recently released money tips for millennials. Here are five of the best ones:

Save like it’s 2009. Savings rates tend to go up during recessions, which is why personal savings rates shot up in 2009. The fear of financial instability appears to motivate people to squirrel more money into the safety of bank accounts rather than squander it on new shoes or a new smartphone. Millennials could use some of that motivation, since many have yet to start padding their bank accounts or saving for retirement.

A recent Wells Fargo Retirement Survey found that 2 in 3 millennials consider themselves “savers,” with men more likely than women to do so. Still, just over half of the group says they haven’t started saving yet — but plan to by age 30. The reason for that lack of saving? Most respondents said they simply didn’t have enough money.

Those who had found a way to start saving tended to have some help from their employers; most of those saving for retirement are using employer-sponsored plans, the survey found. Around half of those saving are putting away between 1 and 5 percent of their income, 31 percent are saving between 6 and 10 percent, and 14 percent are saving more than 10 percent. (Financial advisers generally recommend saving between 10 and 20 percent of your income over your working years, with the goal of replacing 80 percent of your income during retirement.)

Karen Wimbish, director of Retail Retirement at Wells Fargo, urges millennials to get started with saving as soon as possible in order to benefit from compounding interest. Having more money in the bank, she says, can also provide a confidence boost when it comes to achieving long-term goals.

Get over your fear of the market. Given that millennials came of age in the era of Bernie Madoff and the subprime mortgage crisis, it’s no surprise that more than half profess a lack of confidence in the market, according to the Wells Fargo survey. Women are particularly wary, with two-thirds saying they are not confident in the market. The problem with this distrust of the market is that millennials could lose out on the chance to benefit from its long-term growth. After all, millennials saving for retirement have decades to ride out any bumps.

Confront loan stress. Student loans are a huge source of worry for millennials. Most respondents cited it as their biggest financial concern in the Wells Fargo survey. The survey also found that millennials were about twice as likely as boomers to feel overwhelmed by their debt (42 percent versus 22 percent).

Chat about money on dates. Okay, maybe not the first date, but USAA financial planners suggest talking about money, and credit histories in particular, with long-term mates. USAA put out a release urging millennials to ask their partners how much debt they have, as well as get an overview of assets, before exchanging vows. The reason? A bad credit score can derail post-marriage plans, from buying a house to purchasing a new car.

Get a job, not a degree. Obtaining advanced degrees can make sense in a lot of situations, but USAA financial planners also warn against using school as a second-best option when the job market doesn’t work out. Returning to school often means building up more debt, and if the degree isn’t directly related to your future career, it might not pay off in the long run.

Rain Drops Fall From Heaven

Rain drops falling in my head,and never knowing when it will end.Should I run for cover,or let another rain drop fall in my head again?I would love to dance in the rain,and knowing somehow it’ll help erase the pain.

Futuristic Home Design – Box House Interior Designs

Box house designing is a simple yet innovative concept in modern house design. Box houses are the houses of future. Modern and elegant box houses can be built using pre-fabricated standard modules with custom architectural design. These modules can be arranged in a number of ways. An architect can play with infinite number of ideas arranging them aesthetically. There is no limit how a house can be designed using these modules and decorated. The box house design is cost effective and it reduces construction time without compromising building quality. Here is an award winning box house located at Portland, Oregon, designed by PATH Architecture. The house is a twin row house, designed in such a way that privacy of both the units is maintained. Each unit has a large private deck on opposite sides of the lot. The box house design utilizes natural light and offers beautiful view of the park. Floor to ceiling windows are placed in such a way that the residents can enjoy the natural light and view of the garden without attracting direct view from the outsiders.

Each room has a floor to ceiling glass window. Windows are placed on the side of each room, so that privacy of the residents is not violated. The repeating pattern of windows and solid wall on each unit gives a beautiful look and sense of symmetry to the entire structure. Windows on the main floor give the view to the park. View of trees, grass and sky gives you a feeling of living in a meadow rather than being in midst of a bustling urban neighborhood.

On the East side of the twin units, there is a big Douglas Fir Tree. The East unit hasmaster bedroom on upper level, extended over the deck below. This gives a large covered space for an outdoor dining space. Main floor window on the East unit is placed on the large stair landing. Natural light floods through the window illuminating interiors of the house.

The interior of the house has minimum design. Wooden flooring and elegant staircase give contemporary look to the interiors. The decor is minimalist. Color scheme of the interiors is pale and neutral. The interiors are relaxing and clutter free. Upholstery and rugs are of soft and subdue hue. Accent colors are used for dining chairs and art pieces on the wall. Whole space looks tidy, clean and simple. Minimalist interiors coupled with green exteriors give an aura of serenity and tranquility.