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Mint Money Audit: Making the Most of a Side Hustle

This week’s Mint audit introduces us to Selena, 48, a mom of two living in San Antonio, Texas. She is a community college director and her husband, 51, is a full-time graphic designer who also manages a booming side hustle in the same industry.

Selena and her husband have already achieved some impressive financial accomplishments, thanks to tracking their finances on Mint, leveraging coupons and shopping at thrift stores. They’ve paid off $52,000 in student loans and invested in a piece of land next door for $26,000, which they believe has appreciated by nearly 40% since purchasing it a few years ago.

But with retirement looming and two children (currently ages 9 and 12) to possibly put through college, Selena wants to learn about additional money moves that could better prepare them for future expenses. She would also love to pay off the family’s 30-year mortgage before she retires in the next 10 to 12 years. Currently they’re on track to pay it down by 2030.

First, a breakdown of their finances:

NET INCOME

  • Hers: $56,000
  • His: $40,000 plus an additional $40,000 in freelance work
  • Total: $136,000 per year

DEBT

  • Just paid off student loans and a property loan (for the lot next door)
  • Credit Card Debt: $0
  • Mortgage: $163,000 (Monthly payment, including real estate tax, is $1,985)
  • Car note: $5,300 (should be paid off within the year)

RETIREMENT SAVINGS

  • Selena’s teacher pension: Roughly $5,000 per month at retirement if she retires in 12 years ($3,800 if she retires in 6 years).
  • Various IRAs between the two of them: $65,000
  • Estimated social security payments: $2,500 to $3,000 (combined)
  • Husband does not have a 401(k)

RAINY DAY SAVINGS

In an emergency, the family has at least six months of expenses saved up or roughly $35,000.

COLLEGE SAVINGS

Selena and her husband haven’t specifically saved for their children’s college education. They’re concerned that a 529-college savings plan might limit their children’s options, if they didn’t choose to attend a traditional college program.

Recommendations

Leverage the Side Hustle

All in all, I think the family’s finances are in solid shape. But if they’re interested in further securing their future, I would suggest investing the annual side hustle income (which currently sits in a bank account earning no interest) to advance retirement savings and carve out an account for their two children.

Starting that side hustle was a very smart money move because it effectively boosted the family’s net income by 40%. And according to Selena, the business, which they operate out of their living room, is only growing, with profits expected to grow another 30% in the future.

Income from side hustles is how I managed to pay off debt in my 20’s and boost savings. Today, it’s more prevalent among working Americans. More than 44 million Americans have a side revenue stream, according to a recent survey by Bankrate. “Having a side hustle is fiscally responsible,” says Susie Moore, founder of the program Side Hustle Made Simple and the new book, “What If It Does Work Out: How a Side Hustle Can Change Your Life.” “It’s an economic hedge that mitigates disruption to wealth building and future planning. There is no such thing as a fixed income,” she says.

So, let’s do some math and see how far this $40,000 per year side revenue stream can go using a compound interest calculator.

Retirement

The couple’s retirement nest egg is not too shabby. Not including their existing IRAs, the couple has about $8,000 a month coming to them in retirement between social security and Selena’s pension. That amount, alone, basically replaces their current full-time income. (And I do recommend Selena wait 12 years before retiring so that she can take advantage of the maximum pension payment.)

But with all the uncertainty around social security and future health care costs, it can’t hurt to save a little more, right? By placing $6,500 in a Roth IRA each year for the next, say, 15 years (Selena’s husband can qualify for the catch-up contribution since he is 5- years old), they’ll have an additional $142,000 for retirement that won’t be subject to taxes. This assumes an average annual return of 4%. They can open a Roth IRA at any bank.

Future Savings for Children

While a 529 plan may not be the best fit for this family, Selena still would like to carve out savings for her kids’ future endeavors, be it to start a business or attend an alternative school. For this, I’d recommend opening a 5-year certificate of deposit or CD and placing $25,000 in it this year. The going yield right now for a 5-year CD at that deposit level is averaging a little more than 2%.

Then, every year, as income rolls in from the side hustle, create a new 5-year CD and deposit $25,000 in it. Do this for the next four or five years. All CDs will have matured by the time her youngest is starting college (or pursuing something else). And they’ll have at least $100,000 plus interest reserved for their kids. If they do choose to go to college, the family’s prepared to help pay for in-state tuition at one of the fine Texas universities.

Mortgage Payoff

After funding the Roth IRA each year ($6,500) and the annual CD contribution ($25,000), the family’s left with $8,500. They could choose to put this toward the mortgage principal to knock a few years off their payoff schedule. Or, they may want to just hold onto it for that annual family vacation. And if I’m being honest, I’d say, go for the vacation! They deserve it!

The post Mint Money Audit: Making the Most of a Side Hustle appeared first on MintLife Blog.

Source: mint.intuit.com

What Is the Difference Between Credit and Debit Cards? – Lexington Law

Credit and debit cards can both be used for shopping but operate differently. Credit cards impact your credit score but debit cards don’t—read on for more.

Source: lexingtonlaw.com

6 Credit Card Tips to Help Prepare for the Holidays

Is it too soon to start planning your end-of-year holiday events? That may be debatable but we all know how quick retailers are to taking advantage of increased sales brought on by holiday shoppers. With Thanksgiving just around the corner most retailers are already advertising for their big shopping events and Black Friday deals. If […]

The post 6 Credit Card Tips to Help Prepare for the Holidays appeared first on Credit Absolute.

Source: creditabsolute.com

How to get the Southwest Companion Pass

#If you’re itching to voyage around the country and to bring a partner along on your adventures, the Southwest Companion Pass is an incredible deal. Believe it or not, with the Companion Pass, you can bring a friend or family member with you for free on every Southwest flight for up to two years.

You may have heard the news: On Jan. 1, 2020, Southwest officially boosted the points requirement for the Companion Pass to 125,000 points. This bump made the Companion Pass harder to earn for many less frequent flyers, though not impossible

With travel interruptions caused by the coronavirus pandemic, earning the Companion Pass for 2021 might seem completely out of reach. Luckily, Southwest is offering relief to those whose canceled plans throttled their hopes of achieving this coveted perk. Southwest has now twice extended statuses for Southwest Companion Pass members. Members who received an extension of their earned Companion Pass benefits through June 30, 2021, will have their benefits extended for another six months through Dec. 31, 2021. Additionally, Rapid Rewards members with an account opened by Dec. 31, 2020, are getting a complimentary boost of 25,000 Companion Pass qualifying points and 25 flight credits toward Companion Pass status. This shortcut, when combined with alternative ways to earn Companion Pass qualifying-points, means the benefit is still achievable in the current environment.

What is the Southwest Companion Pass?

The Southwest Companion Pass is a special benefit for elite members of Southwest’s Rapid Rewards programs. Once you earn 125,000 Rapid Rewards points or 100 qualifying flights in a year, you can designate a companion to bring with you for free (except for taxes and fees) on any Southwest flight that you purchase – with either cash or points. The earlier in the year that you earn the Companion Pass, the better because it’s good through the remainder of the year and the year after that.

The threshold for earning the Companion Pass is steep – amounting to thousands of dollars per month in airfare or multiple flights per week. However, you don’t need to be a rabid Southwest flyer to earn the pass. In the following guide, we’ll delve into the details of the Southwest Companion Pass and shortcuts to earning it.

The best card for Southwest flyers

Southwest Rapid Rewards® Priority Credit Card

Southwest Rapid Rewards Priority card

Why should you get it?

The Southwest Rapid Rewards Priority card is by far the best value for a frequent Southwest flyer, thanks to its $75 travel credit and 7,500-point annual bonus. Plus, the sign-up bonus of up to 80,000 points can help you toward the Southwest Companion pass.

Learn more

More things to know:

  • Earn 50,000 points after spending $2,000 in the first 3 months, plus earn an additional 30,000 points after you spend $10,000 in the first 9 months
  • 7,500 bonus points each year after your card anniversary
  • $75 annual Southwest travel credit
  • 4 Upgraded Boardings per year when available
  • 20% discount on in-flight purchases made with your card

Southwest Companion Pass rules

  • You must earn 125,000 qualifying points or fly 100 qualifying one-way flights each year to qualify.
  • Qualifying points include: revenue flights on Southwest, credit card points, base points earned through Southwest partners.
  • Qualifying points don’t include: purchased points, points transferred from other members, points converted from hotel and car loyalty programs, e-rewards, e-miles, Valued Opinions, Diners Club, points earned from program enrollment, tier bonus points, flight bonus points and partner bonus points.
  • You should designate a companion at least 21 days in advance to receive a Companion Pass card before your flight. You’ll need the card to board your flight, and it’s nontransferable.
  • You may change your designated companion up to three times each calendar year.
  • Once you qualify, you can begin booking flights with your Companion Pass immediately, and it is good through the remainder of the year and the next calendar year (up to two years, depending on when you qualify).
  • You must pay for your flight with cash or points before you book your companion’s pass.
  • Your companion can’t fly without you – they must be booked on the same flight and dates. If you cancel your ticket, their ticket will also be canceled. Also, he/she will be charged for the fare if you don’t make the flight.
  • You have to pay for your ticket to bring a companion (i.e., you can’t use a companion pass to fly with a partner also using a companion pass).

How to get the Southwest Companion Pass

You may be surprised to learn that Southwest flights aren’t the only way to earn points. In fact, there are faster ways to rack up the points that you need for the pass. Here are some of your best options:

Credit card bonuses

The best way to earn a lot of Rapid Rewards points all at once is to sign up for a Rapid Rewards credit card and earn the card’s sign-up bonus.

However, you should be aware of Chase’s rules on applying for Southwest credit cards before you hit submit. Due to Chase’s 5/24 rule, your application likely be denied if you’ve opened more than five credit cards (with any issuer) in the past 24 months. You can’t earn the bonus on a particular Southwest card if you’ve earned a bonus with that card in the past two years. Also, you’re prohibited from owning two consumer cards at once – which means you can’t sign up for, say, the Southwest Rapid Rewards® Plus Credit Card and the Southwest Rapid Rewards® Premier Credit Card to earn two bonuses in a single year.

However, you can own a consumer card and a business card at the same time. If you can qualify for a business card (which is not as difficult as you may think – any sort of side income may qualify you), signing up for a business card along with another Rapid Rewards card will give you most (or all) of the points you need to earn the Companion Pass – you can earn up to 180,000 points with two cards combined.

Sign-up bonus
Southwest Rapid Rewards Plus Credit Card 50,000 points if you spend $2,000 in first 3 months; plus 30,000 points if you spend $10,000 in first 9 months
Southwest Rapid Rewards Premier Card 50,000 points if you spend $2,000 in first 3 months; plus 30,000 points if you spend $10,000 in first 9 months
Southwest Rapid Rewards Priority Credit Card 50,000 points if you spend $2,000 in first 3 months; plus 30,000 points if you spend $10,000 in first 9 months
Southwest Rapid Rewards Premier Business Card 60,000 bonus points if you spend $3,000 in first 3 months
Southwest Rapid Rewards Performance Business Credit Card 70,000 bonus points if you spend $5,000 in first 3 months; plus 30,000 points if you spend $25,000 in first 6 months

Note, Southwest changes the sign-up bonuses on its cards frequently throughout the year. Before you sign up for a particular card, you should check the history of the bonus on that card to make sure it’s at its peak.

Referral bonuses are another great way to rapidly accumulate points toward the Companion Pass. Chase offers 10,000 points per each friend who is approved for a Southwest card, up to 50,000 points per year. Even better, Chase recently updated its refer-a-friend offer for Southwest so that you earn a bonus on any card that your friend chooses to apply for, including the business cards, even if you don’t own that particular card. You can log into the Chase site to grab your Refer-a-Friend link to share with friends, family, and of course social media.

Southwest flights

Besides credit card bonuses and referral bonuses, flying frequently on Southwest Airlines is your next best bet for stacking up Rapid Rewards points. Depending on the fare, you can earn between 6 and 12 points per each dollar that you spend on Southwest airfare. You would need to spend between $9,167 and $18,333 on airfare to earn enough points for the pass.

Rapid Rewards points earned
Wanna Get Away fares 6 points per dollar
Anytime fares 10 points per dollar
Business Select fares 12 points per dollar

Rapid Rewards partners

Southwest has several travel and shopping partners through which you can earn Rapid Rewards points. For instance, many of Southwest’s car rental partners offer 600 Rapid Rewards points per rental. Also, the Southwest hotels portal is a great way to earn up to 10,000 Southwest points per night – all of which qualify for the Companion Pass.

Credit card spend

Your spend with the Southwest credit cards also earns points that count toward the Companion Pass. Most of the Southwest cards offer the same earning rate: two points per dollar on Southwest purchases (on top of your base point earnings), Rapid Rewards hotel purchases and car rental partner purchases, and one point per dollar on everything else.

Unfortunately, the overall earning rate with most Southwest cards is very low – amounting to around 1.08-percent per dollar for the average cardholder. At that rate, you’d have to spend around $101,851 on average on a Southwest card to earn the pass just through credit card spending – not a very realistic amount for most cardholders. Still, using your Southwest credit card is a good way to add incrementally to your earnings, especially for purchases that earn double points.

Additionally, the Southwest Rapid Rewards Performance Business Credit Card has a slightly higher earning rate than the rest of the airlines co-branded offerings. The Performance card earns 3 points per dollar on Southwest purchases, 2 points per dollar on social media and search engine advertising, internet, cable and phone services, and 1 point per dollar on all other purchases. That means small business owners who spend a significant amount in these areas can get a bit more value.

Southwest Rapid Rewards Dining

The Southwest Rapid Rewards Dining program is another good way to add incrementally to your point balance. You can earn up to two Rapid Rewards points per dollar by eating at qualified restaurants.

This is an especially valuable option for those who cannot travel right now due to current restrictions. You’ll still earn points for purchases made with qualifying restaurants when you order takeout or delivery from the restaurant itself.

Rapid Rewards shopping portal

You can earn Rapid Rewards points that stack on top of your credit card points (as well as other deals and discounts) by clicking on a retailer’s link through the Rapid Rewards shopping portal. The Rapid Rewards site includes many major retailers, such as Best Buy and Bed Bath and Beyond. The number of points that you earn varies quite a bit by retailer, but tends to range between one to four points per dollar. For instance, Bass Prop Shops is currently offering four Rapid Rewards points per dollar on online purchases. At that rate, you’d have to spend around $27,500 to earn 125,000 Rapid Rewards points.

Earning the Companion Pass on a moderate budget

While 125,000 points seems like a daunting number, when you add all these earning opportunities together, it’s actually quite feasible to earn the Companion Pass with a moderate amount of spend.

For instance, consider you earn the up to 80,000-point sign-up bonus and refer two friends to Southwest credit cards. Those two actions alone can earn you 100,000 points – a significant portion of the way toward the pass. To earn the other 25,000 required for the pass, you can leverage high-earning categories like Southwest flights and purchases in the shopping portal – putting all spend on your credit card to ensure you earn as much as possible.

Additionally, you can maximize your Southwest points by using your Southwest card on planned, recurring payments like select gas purchases or certain utility bills.

How to use the Southwest Companion Pass

Register your companion

As soon as you qualify, go to the Southwest website and designate a companion for your next flight. Make sure you register your companion well in advance of your flight – your companion needs the pass to board the plane, and it takes up to 21 days to mail. You aren’t stuck with one flying companion – you can change your designated companion up to three times per year. (You can do this online or instantly over the phone.)

Book a flight

To book a free flight for your companion, first, go to the Southwest Airlines website and book your own airfare with cash or points. Once your ticket is booked, you can add your companion to your reservation by clicking on the “Add Companion” option on Southwest.com. (Or you can call Southwest’s reservations line to book your flight and have a companion added over the phone.)

Check in at the airport

You must bring your Companion Pass to the airport to check in. You’ll be asked to present a photo ID for yourself and your companion. Be sure not to stand your partner up at the last minute – if you don’t show up at the airport, your companion will be charged the full price of the fare.

Tips for earning the Southwest Companion Pass faster

  • Sign up for credit bonuses when they hit a peak – Wait until the bonus on a particular card hits a peak, and then apply for it.
  • Sign up for two Southwest credit cards – Consider signing up for both a Southwest business and consumer card within the same year to earn all the points you need from sign-up bonuses.
  • Look for special deals – If you keep an eagle eye on the Rapid Rewards program, you can find some incredible deals that can allow you to get a large influx of points or even earn the pass with a much lower threshold. For example, Southwest sometimes offers additional points on airfare purchases. Also, in 2017, Southwest ran a promotion in California that allowed residents there to immediately qualify for the pass if they signed up for a Southwest credit card.
  • Take advantage of all your point-earning opportunities – Stick to flying Southwest Airlines (even for business trips) and make every car rental, credit card expense, online shopping experience and hotel stay count toward earning the pass.

Bottom line

That Southwest Companion Pass is in closer reach than you think, even while travel is currently restricted. The points boost for Rapid Reward members in 2020, plus earning options like the online shopping portal and dining program, keep the perk within reach for Southwest flyers. By keeping a keen eye on credit card sign-up bonuses and taking advantage of all the earning opportunities, many Southwest enthusiasts successfully earn the pass each year.

See related: What are Southwest points worth?, Southwest credit cards, Best ways to earn Southwest points, Best ways to redeem Southwest points, Southwest Airlines partners, Southwest A-list status, How to book a Southwest Rapid Rewards flight, Rapid Rewards Shopping guide

Source: creditcards.com

Activate Chase Freedom cash back categories for Q1 2021 now

Chase has announced the 5% cash back categories on the Chase Freedom Flex℠ and the retired Freedom card for the first quarter of 2021.

From Jan. 1 through March. 31, 2021, Freedom and Freedom Flex cardholders can earn 5% cash back on select streaming services, internet, cable and phone services and wholesale club purchases (up to $1,500 in combined purchases) after activation.

Besides that, the new Flex card offers 5% cash back on travel booked through the Chase Ultimate Rewards portal, 3% on dining and drugstore purchases and 1% on everything else. All other purchases earn 1% cash back.

See related: Chase to launch new Freedom Flex card, add new categories to Freedom Unlimited

Activation for first-quarter categories on both the Freedom and Freedom Flex launched on Dec. 15, 2020, and will be open until March 14, 2021.

Here’s what you need to know at a glance:

  • Activation of first-quarter bonus categories begins on Dec. 15 for both the Chase Freedom and Chase Freedom Flex.
  • Cardholders must activate by March 14 to earn the bonus rate.
  • From Jan. 1 to March 31, Freedom and Freedom Flex cardholders can earn 5% cash back on eligible streaming services, internet, cable and phone services and wholesale club purchases.
  • The 5% cash back bonus is capped at $1,500 in combined purchases per quarter.
  • As of Jan. 12, 2020, Chase Freedom cardholders earn 5% cash back on Lyft rides through March 2022.

Chase 5% cash back calendar 2021

Winter Spring Summer Holiday
January – March

(Activation closes on March 14)

April – June

(Activation closed)

July – September

(Activation closed)

October – December

(Activation closed)

  • Select streaming services
  • Phone, cable and internet services
  • Wholesale clubs

TBA

TBA

TBA

Chase only releases its quarterly bonus categories one quarter at a time, so we can’t yet predict what will be offered in the rest of the quarters in 2021. Here’s a quick look at some of the categories Chase has offered in the last year.

Chase 5% cash back calendar 2020

Winter Spring Summer Holiday
January – March April – June July – September October – December
  • Select streaming services
  • Gas stations
  • Phone, cable and internet services
  • Gym memberships
  • Fitness clubs
  • Grocery stores
  • Select streaming services
  • Amazon
  • Whole Foods Market
  • Walmart
  • PayPal

What is included and excluded in the ‘Select streaming services’ category?

In this category, you can earn 5% cash back on select streaming services, including music and video streaming.  The eligible services include Disney+, Hulu, ESPN+, Netflix, Sling, Vudu, Fubo TV, Apple Music, SiriusXM, Pandora, Spotify and YouTube TV.

What is included and excluded in the ‘Phone, cable and internet services’ category?

You can earn cash back on your monthly bills, such as your cable, internet and phone services. To earn 5% cash back in the category, make sure to pay these bills with your Freedom or Freedom Flex card.

Equipment purchases don’t qualify in this category. You may also not receive the bonus cash back if you pay for your phone, cable or internet service at a merchant’s store that’s not classified in the applicable services category.

What is included and excluded in the ‘Wholesale clubs’ category?

In this category, you can get 5% back when you’re shopping at wholesale clubs, including Sam’s and BJ’s. You can also use your Chase Freedom (no longer available for new applications) to earn bonus cash back at Costco. Since Costco only accepts Visa cards, the new Freedom Flex, which is a Mastercard, won’t be accepted. Mastercards are, however, accepted on Costco.com.

See related: Best credit cards for Costco purchases

earn 5% cash back on up to $1,500 in combined spending in rotating categories each quarter, upon enrollment, then 1%.

Chase vs. Discover cash back categories 2021

Chase Freedom Flex℠

Discover it® Cash Back

January – March Select streaming services, phone, cable and internet services, wholesale clubs Grocery stores, Walgreens and CVS
April – June TBA Gas stations, Uber, Lyft and wholesale clubs
July – September TBA Restaurants and PayPal
October – December TBA Amazon.com, Target.com and Walmart.com

Which card offers the best deal?

The best card for you depends on where you plan to spend your money in the first quarter of 2021.

Discover it® Cash Back offers bonus cash back at grocery stores at the beginning of the year. Since groceries are regular expenses that can get rather high, especially if you’re grocery shopping for a family, this category can be pretty lucrative.

At the same time, if you have a wholesale club membership, it can be very easy for you to meet the spending cap in this category with your Chase card. This can make up for the other two underwhelming categories.

For the rest of 2021, we can’t predict which card will be best for you, as while Discover has announced its categories for the next year, Chase only releases bonus categories one quarter at a time.

Source: creditcards.com

Apartment Highlights: Aura Pentagon City

Camden Midtown Houston Apartments Property Highlight

Sponsored Post-All images provided courtesy of Polinger Management Company

Apartment Community Spotlight: Aura Pentagon City

Aura at Pentagon City is the destination address that proves you don’t have to live in the District of Columbia to be a true resident of the nation’s capital. Your new address is the center of the DC Metro area, including all commuter routes and, of course, the area’s parks, shopping, dining, and nightlife options. A quick walk–just blocks from either the Pentagon City or Crystal City Metro and you’re home!

Choose a beautiful studio, one or two-bedroom apartment home that’s designed just the way you like it, with just enough space for your needs. Apartment homes range in size from 519 square feet to 1,243 square feet and with nearly 20 options to choose from, you’re sure to find a floorplan that suits your life. And our favorite feature; they’re pet-friendly! 

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Aura Pentagon City truly makes residents feel at home. They treat residents with high-end customer service, regardless of the situation. In addition to the wonderful team at Aura Pentagon City, the community amenities are top-notch. Whether you value underground parking, outdoor space, a business center, valet dry cleaning, rooftop pools and sundecks, on-site maintenance, fitness center, and even a dog park for your four-legged friend,  they have it all — and more.  Two resort-style pools, a fully equipped fitness center, and concierge are our favorites! Additionally, there is on-site parking, trash and recycling, and on-site dry cleaning. Can you think of anything missing from this community, because we can’t!

 

All in all, Aura Pentagon City is our community of choice when it comes to the Pentagon City neighborhood. The lux amenities, stellar service, and its central location are our main reasons why we love it. If you are looking into making Arlington, Virginia your home, Aura Pentagon City should be at the top of your list – we promise you’ll love it!

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Read Apartment Highlights: Aura Pentagon City on Apartminty.

Source: blog.apartminty.com

Back to School: Home Office Essentials

Back to school season is in full swing, and that means your kids will be coming home with more and more homework. They will need a productive space to study, and your home office can be a good option. But the office may need a few essentials before it’s ready for the school year.

Get Good Lighting

Studying in the dark can strain your eyes or put you to sleep. To avoid the likelihood of snoozing during study time, you’ll want to have adequate lighting. Add a small desk lamp, a floor lamp, or a brighter bulb in your overhead lighting.

Create Comfort

Your kids will ideally spend a lot of time studying in the office. Make it comfortable. Invest in a good chair or a lumbar support cushion.

Keep Supplies Within Reach

Your kids may need pens, pencils, paper clips, glue sticks, and all of the things on their long back to school shopping list. Try to fit the necessary supplies in arms reach. Set up pencil holders on the desk surface, or dedicate a drawer to school supplies. If they can simply grab what they need, they’ll be likely to save time and stay on track.

Be Organized

People are more productive when they work in an organized space. So instead of throwing supplies and papers anywhere, make sure everything has a place. Invest in folders, binders, and a file cabinet (and make sure the entire family uses them).

Decorate

Creative work is done best in a visually pleasing space, so don’t skimp when it comes to interior design. Personalize the space and make it one where your family actually enjoys spending time.

Get your home office in shape. Your entire family may be more productive as a result.

The post Back to School: Home Office Essentials first appeared on Century 21®.

Source: century21.com