lyrical-e

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Here's a breakdown of the average American's household debt

How does yours compare?<p>Americans certainly don't seem to be shying away from debt, and a new NerdWallet study further drives home this point. Without further ado, here's how much the typical U.S. household owes in four major debt categories:<p><b>Type of Debt</b><p><b>Total Owed by Average U.S. Household</b><p>Credit card<p>…

Personal Finance

A step-by-step guide to get richer, healthier, and happier in 31 days

If you don't yet have a plan for 2018, you might be in trouble.<p>Lucky for you, we've already made a plan for you. Above is our 31-day guide to starting off a healthy, wealthy, happy year. Each day is accompanied by a task, along with a quick explanation, below, of why it's important.<p>Read on to find …

This Is Not a Drill—You Can Fly Round-Trip to Italy for Less Than $450

Run, don't walk to your computer. American Airlines is offering seriously cheap round-trip flights from New York City to Milan, Italy, with its …

British man gets 20 years for 'barbaric' nightclub acid attack

<b>(CNN) —</b> A man convicted of spraying acid in a crowded London nightclub injuring 22 people has been sentenced to 20 years in prison, the city's Metropolitan Police said.<p>Arthur Collins, 25, was convicted in November of five counts of wounding with intent to do grievous bodily harm and nine counts of …

Why Do Employees Quit Their Jobs? Because Bosses Don't Provide Them With The 1 Thing They Want the Most

One study revealed that 34 percent of employees plan to leave their company within 12 months. This rare strategy may stop the bleeding.<p>Employee turnover is an expensive habit, with some estimates for total costs associated with turnover ranging from 90 to 200 percent of someone's annual …

Entrepreneurship

In Just 2 Words, Sheryl Sandberg Said 1 Thing Separates Those Who Achieve From Those Who Only Dream

How you work matters, but what you work on matters a lot more.<p>Want to achieve more? Take a page from Sheryl Sandberg, and start ruthlessly prioritizing.<p>Here's why.<p>Many people get things done. They consistently check items off their to-do lists. They're extremely busy -- but are they accomplishing …

Sheryl Sandberg

Science Has Just Uncovered the World's Easiest Hack for Faster Learning

Want a five to 15 percent boost in learning speed? Then make this dead simple change to your study habits.<p>We've all spent a minimum of a decade in formal education, so you'd think that in all that time, we'd have at least mastered the most basic principles of how to study efficiently. But study …

Study Skills

To Be Happy, Give Up These 10 Habits

The real key to happiness is actually giving up certain perspectives and behaviors.<p>8 min read<p>This story originally appeared on Due<p>How can you introduce a little bit more happiness into your life? You may need to give up several things to become happy. To become happier, most people focus on adding …

Happiness

5 things a trainer wishes you knew about getting abs

Your key to a six pack.<p>Aside from getting stronger, fitter and healthier, a lot of people have aesthetic goals too when they hit the gym - like getting ripped abs.<p>But there's a lot of BS floating around on the internet about how to actually 'get' abs by working out - so Shannon Jewell, personal …

Workouts

16 skills that are hard to learn but will pay off forever

That's especially the case when it comes to learning important life skills.<p>To ascertain which talents are worth the investment, one Quora reader posed the question: "What are the hardest and most useful skills to learn?"<p>We've highlighted our favorite takeaways, as well as a few other skills we …

Want More Success? Science Says Do This 1 Thing First (Most People Do The Opposite)

We give up too easily. With a simple change of attitude, what seems like extreme adversity can become a once-in-a-lifetime opportunity.<p>Like modern-day explorers ascending K2 or reaching the North Pole, entrepreneurs like Elon Musk, Brian Chesky and Arianna Huffington have what the Finnish call <i>sisu</i>, …

Motivation

5 Colors You Need for a Happy Home, According to an Interiors Expert

A fresh coat of paint can make all the difference.<p>We already know how colors can influence our mood and equally reflect our personality, but when it comes to decorating the home, what are the best colors to use to evoke feelings of joy and happiness?<p>With so many hues to choose from, Lorna McAleer, …

Sustainable Luxe: 5 Hotels Doing it Right

At these dreamy destinations, luxury goes hand in hand with the three pillars of sustainability.<p>Smart travelers now expect some elements of sustainability when they travel—and welcome it when it goes beyond picking up towels and reusable soap containers. As Keith Bellows, former editor in chief of</i> …

How long you need to do cardio to reap the benefits for your body and brain

A growing body of research suggests that when we commit to regular workouts that raise our heart rate and get us moving and sweating for a sustained period of time, magical things happen to our body and brain.<p>We think more clearly, feel better overall, and protect ourselves against some of the …

The Five Senses and How They Work

The ways we understand and perceive the world around us as humans are known as senses. We have five traditional senses known as taste, smell, touch, …

Neurology

If These Specs Are Real, the Nikon D850 Will Be the Last Camera You'll Ever Need [Rumor]

Nikon let us down softly with a barely a glimmer of information Tuesday as it announced development of the D850, but gave little additional …

Cameras

6 Simple Questions Managers Need to Ask so Employees Don't Quit

The first step to high employee engagement is to assess how employees feel. Start with this simple diagnosis.<p>Yesterday, I published the latest findings in Officevibe's real-time "State of Employee Engagement" survey, which captures live data from hundreds of thousands of answers from employees all …

Employee Engagement

8 Life Choices That Will Make You Instantly Likable and Respected

The ability to earn respect often comes down to the choices you make.<p>Respect is such a lost value in today's culture, especially since the most recent presidential campaign. Its polarizing nature has brought out the worst in humanity.<p>Studies have been telling us that there's immense power in …

Leadership

Ableton's new video series will help you find musical inspiration

<b>One Thing sees artists such as Daedelus offer personal tips for making music.</b><p><b>Ableton</b> has launched a series of artist-led videos that the company …

Creativity

JAY Z Has Launched Arrive, His Venture Capital Fund

The platform will help startups and offer investment of capital.<p>JAY Z just launched his new venture capital firm, Arrive. On Monday, Roc Nation released a press release indicating that the investment platform will work with early-stage startups as well as offer investment of capital and assistance …

How to find and finance bank-owned properties

Home prices are still rising — they’re currently averaging just below all-time highs set in 2006, according to the Case-Shiller Home Price Indices. Combine that with slim housing inventory in many markets, and you may believe you’ve missed the opportunity to buy your first, or your next, home.<p>But …

Mortgage Loan Calculator Using Excel

Mortgage Loan Calculator Using Excel<p>Updated on November 3, 2016<p>The PMT function within Excel is a financial function that is used to calculate loan …

Personal Finance

Asking Your Lender To Forgive Your Home Mortgage? Two Weeks Left To Avoid Millions In Taxable Income

Unless you’re truly a connoisseur of the Code, it might surprise you to learn that as of December 31, 2014, 56 provisions of that infernal book were written with a finite lifespan. These 56 sections — collectively referred to as the “extenders” would routinely expire, only to be — you guessed it — …

Whoa: Obama Claims America Has Not Overcome Slavery, Racism

Saying we have made significant progress, President Obama nonetheless asserted that America has “by no means overcome the legacies of slavery and Jim …

13 habits science shows will help you fall asleep faster and sleep better

1. Dim the lights in your room<p>This might seem obvious, but it bears repeating: One of the worst things you can do for yourself at night is keep the …

Backyard Room

If you´ve ever wanted to ditch the commute and work from home but the site of the kitchen table day in day out doesn´t appeal, the Backyard Room …

Man Caves

The 25 Best Songs of 2016

While making this list, it was clear this was going to be a painful process. There were truly too many good songs this year. This should not have …

12 crazy coffee tables to enliven your living room

The Chicest Kitchens on the Internet This Year

If kitchens are the heart of the home, the ones we shortlisted for best of the year in 2016 have a lot of love to give.<p>We may be living in a rental apartment or a fixer-upper pre-renovation, but that doesn't mean we can't take a moment to daydream about our ideal kitchen—one that features …

8 tried-and-tested ways to unlock your creativity

Ever had one of those days when, no matter how hard you try, every idea you think of is rubbish, and every visual you design is bland and uninspiring?<p>…