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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.

Source: quickanddirtytips.com

Accredited Asset Management Specialist (AAMS)

What is the AAMS certification?New financial advisors need something to help them stand out. Consequently, the AAMS does just that. Designed for newcomers to the financial advice business, the AAMS trains advisors to identify investment opportunities as well as help clients with other financial goals. It also gives more experienced advisors a fast and simple way to learn more about asset management and improve their credentials. Here’s how it works.

AAMS Defined

An Accredited Asset Management Specialist (AAMS) can advise clients on college savings, taxes, and retirement savings. The course and tests for this certification are designed to ensure advisors can assist clients with their complete financial needs. It emphasizes evaluating the client’s assets and making appropriate recommendations.

The AAMS certification is granted by the College for Financial Planning, a unit of the Kaplan Company. The college oversees a large number of financial certification programs, including the Certified Financial Planner designation, one of the most valued certifications in the field.

AAMS Certification Requirements

What is the AAMS certification?

To receive an AAMS, students first have to complete a 10-module education program provided by the College for Financial Planning. Then they have to pass an examination. Finally, they must agree to abide by a code of ethics and promise to continue their education.

The courses are online and can be delivered in self-study or instructor-led formats. Courses are open-enrollment, therefore students can begin at any time without waiting for the next session.  The 10 modules cover the following material:

1.:The Asset Management Process

2. Risk, Return & Investment Performance

3. Asset Allocation & Selection

4. Investment Strategies

5. Taxation of Investments

6. Investing for Retirement

7. Deferred Compensation and Other Benefit Plans

8. Insurance Products for Investment Clients

9. Estate Planning for Investment Clients

10. Fiduciary, Ethical, and Regulatory Issues for Advisors

The College of Financial Planning provides everything necessary to study for and complete the modules and take the test. Students have access to the study materials and tests through an online portal.

Streaming video lectures, audio files, and interactive quizzes also can be found through the college’s site. Meanwhile, students can access live classes online and contact professors with questions and issues.

The AAMS Test

To get the AAMS certification, students have to pass just one test. However, they have to make their first attempt at the test within six months of enrollment and pass it within a year.

The fee for the first attempt at taking the test is included in the course tuition. There are no prerequisites for signing up to take the AAMS course.

Time and Money Requirement

Tuition for the AAMS courses is $1,300. This includes the fee for the first attempt at passing the certification exam. It also includes all needed course materials. Each additional attempt costs $100.

Students employed with certain financial services firms may be able to get tuition discounts. The college may also provide scholarships.

The College for Financial Planning recommends students plan to spend 80 hours to 100 hours on the course. Since the course is self-study, this amount of time is flexible.

To maintain AAMS certification students have to commit to completing 16 continuing education credits every two years. Also, continuing education has to cover one or more of the topics covered in the AAMS coursework.

AAMS certificate holders also have to agree to follow a professional standard of conduct. As a result, they have to maintain integrity, objectivity, competency, confidentiality and professionalism in providing financial services.

AAMS Certificate Holder Jobs

AAMS certificates are generally earned by entry-level workers in the financial advice business. Consequently, AAMS holders are typically trainees. In some cases, they may provide support services to more experienced and highly credentialed advisors.

The AAMS designation does not confer any special powers or privileges. Instead, it’s an optional credential that students may obtain to advance their careers and enhance their knowledge of financial advice.

Comparable Certifications

What is the AAMS certification?

In addition to the AAMS, the College for Financial Planning offers an Accredited Wealth Manager Advisor (AWMA) certificate. This is a somewhat more advanced designation. As a result, it requires a course equivalent to three graduate level college credits and requires 90 hours to 135 hours to complete.

Chartered Mutual Fund Counselor (CMFC) is sponsored by the Investment Company Institute along with the College of Financial Planning. It is similar to the AAMS certificate except it focuses on mutual fund assets.

Accredited Financial Counselor (AFC) is a general personal finance advice certificate from the Association for Financial Counseling and Planning Education. First, it requires 1,000 hours of financial counseling experience. Secondly, it demands three letters of reference. Finally, applicants must both complete coursework and pass an exam.

Bottom Line

The AAMS designation is usually for newly minted financial advisors, but even experienced pros can use it to bulk up their credentials. The courses and tests associated with the AAMS teach advisors how to evaluate assets and make recommendations.

While this certification doesn’t give an advisor any real powers, it’s a sign that they can identify investment opportunities specific to their clients. Above all else, it can be a great relief to a client who has a child going to college or a retirement house on their wish list. As a result of obtaining an AAMS, and advisor can point them toward the right investments for their goals.

Investing Tips

  • If you’re looking to identify investment opportunities, consider using an AAMS as your advisor. Finding the right financial advisor that fits your needs doesn’t have to be hard. SmartAsset’s free tool matches you with financial advisors in your area in 5 minutes. If you’re ready to be matched with local advisors that will help you achieve your financial goals, get started now.
  • An AAMS can help you with college savings, taxes, and retirement savings if you know what your goals are. However, if you are unsure how much you want to invest, what your risk tolerance is, or how inflation and capital gains tax will affect your investment, SmartAsset’s investing guide can help you take the first steps.

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Source: smartasset.com

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