Building Your 2020 Budget

Creating a budget is an important financial strategy for building a future nest egg. One way to conquer the temptation to spend too much money during and after the holiday season is to establish a sound 2020 budget and stick with the plan. The following tips offer helpful suggestions for devising a workable budget:

 

  1. Think About Future Expenses

 

Include all prospective future expenditures in the 2020 budget and estimate the costs for each. For example, include a potential college tuition expense expected to occur in the new year, or the cost of a new car if yours is getting older. It is also important to encompass prospective gains. Whether these gains refer to an expected raise at work or projected investment dividends, an accurate budget must depict all expenses and increases.

 

  1. Learn to Estimate Conservatively

 

Since it is not always possible to know what the future holds, it is wise to make conservative assumptions. Instead of including low estimates for expenses, a 2020 budget should incorporate high estimations. Applying the reverse procedure for income, the budget should include low estimates for expected increases in income.

 

Infusing a budget with these techniques means gives the plan a realistic basis. It is also helpful to think about the possible rising costs of everyday expenses, including gasoline for vehicles and utility hikes. It is better to overestimate and underspend. 

 

  1. Study the Current Spending and Savings Trend

 

Viewing the current year’s expenses and savings enables a person to have a clear understanding of how to set future goals for a 2020 budget. A person may discover that they need to spend less money eating out and deposit more earnings into a savings account.

 

Paying off debts is another important aspect to consider. A golden rule of budgeting is to avoid overspending. Living within a person’s means is the optimum way to develop a 2020 budget.

 

  1. Obtain a Credit Report

 

A good credit score provides the opportunity to take out a loan on a car or mortgage and pay less interest. A poor credit score has the opposite effect. So, it is a good idea to include a debt payment plan in the 2020 budget and eliminate all current debts. After the debts are gone, the next best thing is to limit expenses to one credit card and pay for most expenditures with cash.

 

This post was originally published on Etienne Kiss-Borlase’s Finance Blog. For more info about Etienne, please visit his homepage.

Building Your 2020 Budget

The World’s Best Street Art

Today, many cities commission artists to decorate walls, utility boxes, and selective areas as part of their beautification program. However, there are still artists and gangs around the world leaving their mark on the walls of their neighborhoods. Either way, street art has gained world recognition.

 

Street art has gained popularity in its expressive and uncensored nature. It also allows free viewing for those who are less inclined to visit a museum. Art within the environment is more likely to be seen and appreciated. These are five cities around the world with the most expressive street art.

 

Los Angeles

 

The City of Los Angeles considers graffiti illegal. Bold text and gang tags divide neighborhoods. As a result, L.A. commissions local artists to paint over graffiti and decorate its massive murals with colorful street art. Downtown’s Art District welcomes Latino heritage art on walls under freeways and neighborhoods. Guided tours are available to tourists for a more intimate look at the art on the walls.

 

London

 

North London in Camden or the Leake Street Tunnel near Waterloo are two places where street art is prevalent in London. The street art scene is huge in the neighborhoods of Shoreditch and Hackney. They are London’s locales for spray-painted walls such as Michelin-starred restaurants. Visitors can take a tour of Shoreditch to see London’s best artists.

 

Mexico City

 

Mexico City is the home to the most poetic, political, and traditional street art. Its neighborhoods of Juárez, Roma, and Condesa are known for the giant vivid murals. History and Latino culture are captured on the walls of businesses. Tours guided by graffiti artists are the best way to see Mexican art.

 

Buenos Aires

 

Both international and local artists have left their creative mark on massive murals on the streets of Buenos Aires. Political, traditional, and light-hearted collages adorn various neighborhoods (barrios). The barrios of San Telmo and Colegiales Crespos depict historical urban movements. Guided tours are the best way to connect street art with each barrio.

 

Berlin

 

Berlin’s graffiti-covered walls date back to the Cold War. The hip Friedrichshain-Kreuzberg borough houses the remaining stretch of what was once the Berlin Wall. Today it is known as Berlin’s East Side Gallery where 3-D street art adorns the facades of business and buildings. Visiting this neighborhood is the best way to explore Berlin’s art

This post was originally published on Etienne Kiss-Borlase’s Art-In-Trust website. For more info about Etienne, please visit his homepage.

The World’s Best Street Art

Artificial Intelligence Takes on the Art Industry

Artificial intelligence is making inroads into just about every industry. Finance, medicine, and marketing are all being changed by discoveries made with artificial intelligence. One world that most people didn’t expect to be overtaken by AI is the art industry. However, like any other, it is being heavily influenced by the automation and technological advances of AI. Pieces created with neural networks are taking the art world by storm.

 

Just over a year ago, the portrait “Edmond de Belamy, from La Famille de Belamy” sold for over $400,000 at Christie’s in New York. It had been expected to sell for about $7,000 to $10,000. This painting, made with convolutional neural networks, is just one example of how the art world is reacting to artificial intelligence. This new technology is making a bigger splash than many people had expected.

 

Computers use convolutional neural networks to arrange and analyze images. This technology isn’t just used in the art world. It has applications in a number of industries. It’s the same type of artificial intelligence that is changing the way the medical profession interprets images from X-rays and MRI images. CNN uses style transfer. This process changes the tone of an image without changing the content. This is similar to the idea of a filter on an Instagram photo.

 

While some purists are alarmed that AI-created images are sharing space with the work of classical and popular artists, it is important to remember that computer-generated art dates to at least the 1950s. Some artists in the postwar period saw this art as an important antidote to emotional manipulations. For people who had lived through the rise of fascism and Hitler’s propaganda films, an art made without feeling seemed like a relief. It was hard to imagine how such works could be manipulated by politicians, and that seemed comforting.

 

Frieder Nake and Max Bense are some of the important names in that early period of computer-generated art. Although many people today feel that AI-generated art is just a grotesque display of technology, it’s important to remember that many respected art forms started off that way. Today, films are preserved by governments for posterity due to their cultural value. When that industry emerged, it was made up entirely of outsiders. It was considered vulgar. It will be interesting to see how history views AI-generated art.

This post was originally published on Etienne Kiss-Borlase’s Art-In-Trust website. For more info about Etienne, please visit his homepage.

Artificial Intelligence Takes on the Art Industry

What is Art Therapy?

What is Art Therapy Etienne Kiss Borlase

People have turned to the creative arts as a means of therapy for centuries. Art therapy is a field that originated from the catharsis of artistic expression, and licensed art therapists help clients around the world treat a variety of mental illnesses and personal struggles with creative projects.

 

Art therapy can be used in virtually any environment with clients ranging from pre-school children to senior citizens. Those who cannot articulate themselves clearly due to developmental disorders such as autism may benefit from art therapy as it gives them a voice that would otherwise go unheard.

 

With the help of a professional therapist, clients who undergo art therapy are able to learn more about themselves through their nonverbal expression; art therapists decipher symbols, colors, patterns and metaphors that arise through the creative process, all while helping clients relieve stress and find comfort in their artwork.

 

Art Therapy in Action

There are types of art therapy that can treat depression, anxiety, and other mental health problems. Therapists will typically choose exercises and mediums based on a client’s age, personality and symptoms.

 

Journaling is a common art therapy prescribed for people struggling with depression or anxiety; children and adolescents who may not be as capable of identifying and expressing their feelings might be prompted to draw or paint their emotions instead.

 

For children with autism spectrum disorder (ASD), sensory art therapy that utilizes finger paints, kinetic sand, clay, and other tactile mediums can provide emotional release and serve as a positive outlet to reduce maladaptive behaviors.

 

Benefits of Art Therapy

It is not always feasible or comfortable for people to express how they’re feeling. Sometimes, an individual may not even understand the depth of their own emotions until they are given the opportunity to explore them creatively. Through art therapy, people can develop healthy coping skills while learning more about themselves, who they are and how their problems “color” their lives.

 

Art therapy can build confidence, reduce stress and improve behavior. By exploring a new way of expressing one’s thoughts and feelings, art therapy offers the opportunity to delve deeper into the psyche and uncover repressed thoughts and feelings that may be causing trouble in the present.

 

Finally, art therapy is a valuable tool that can be used in conjunction with traditional psychotherapy. By exploring a client’s creative output, therapists can find new ways to address their problems using therapeutic models such as talk therapy and cognitive behavior therapy (CBT).

This article was originally published on EtienneKiss-Borlase.ch

What is Art Therapy?

What is Art Therapy?

People have turned to the creative arts as a means of therapy for centuries. Art therapy is a field that originated from the catharsis of artistic expression, and licensed art therapists help clients around the world treat a variety of mental illnesses and personal struggles with creative projects.

 

Art therapy can be used in virtually any environment with clients ranging from pre-school children to senior citizens. Those who cannot articulate themselves clearly due to developmental disorders such as autism may benefit from art therapy as it gives them a voice that would otherwise go unheard.

 

With the help of a professional therapist, clients who undergo art therapy are able to learn more about themselves through their nonverbal expression; art therapists decipher symbols, colors, patterns and metaphors that arise through the creative process, all while helping clients relieve stress and find comfort in their artwork.

 

Art Therapy in Action

There are types of art therapy that can treat depression, anxiety, and other mental health problems. Therapists will typically choose exercises and mediums based on a client’s age, personality and symptoms.

 

Journaling is a common art therapy prescribed for people struggling with depression or anxiety; children and adolescents who may not be as capable of identifying and expressing their feelings might be prompted to draw or paint their emotions instead.

 

For children with autism spectrum disorder (ASD), sensory art therapy that utilizes finger paints, kinetic sand, clay, and other tactile mediums can provide emotional release and serve as a positive outlet to reduce maladaptive behaviors.

 

Benefits of Art Therapy

It is not always feasible or comfortable for people to express how they’re feeling. Sometimes, an individual may not even understand the depth of their own emotions until they are given the opportunity to explore them creatively. Through art therapy, people can develop healthy coping skills while learning more about themselves, who they are and how their problems “color” their lives.

 

Art therapy can build confidence, reduce stress and improve behavior. By exploring a new way of expressing one’s thoughts and feelings, art therapy offers the opportunity to delve deeper into the psyche and uncover repressed thoughts and feelings that may be causing trouble in the present.

 

Finally, art therapy is a valuable tool that can be used in conjunction with traditional psychotherapy. By exploring a client’s creative output, therapists can find new ways to address their problems using therapeutic models such as talk therapy and cognitive behavior therapy (CBT).

This post was originally published on Etienne Kiss-Borlase’s Art-In-Trust website. For more info about Etienne, please visit his homepage.

What is Art Therapy?

The Rise and Fall of Facebook Libra

Facebook Libra has been in the news a lot lately. This cryptocurrency was envisioned as a so-called stablecoin. Libra was designed carefully to avoid the huge fluctuations faced by cryptocurrencies like Bitcoin. The plan was to offer a more stable currency, backed by stable securities. Sponsors like Visa, Mastercard, and Paypal seemed just about ready to get on board with the project.

 

However, by late October, they had all pulled their backing off the table. eBay, Stripe, and Mercado Pago were other potential sponsors who didn’t quite come through. Why the loss of confidence? Many aspects of Libra have been too up in the air for too long. In particular, Facebook’s role in the project opened it up to special concerns.

 

Facebook was famously always the social network that required real names. With Libra, if they offered anonymity, it could create liabilities. The platform could attract lots of black market activity and scams. However, if Libra were too closely linked to people’s Facebook profiles, it could cause problems in terms of privacy issues. The social network has alarmed consumers when it comes to data already.

 

Asking Facebook’s end users for access to financial details could really increase their risk exposure. If the two services were too closely linked, any data breach to either network could prove devastating for everyone involved. The idea of the low-volatility securities backing the stablecoin also seems overly optimistic in the wake of the 2008 recession.

 

Perhaps most importantly, Facebook is already facing calls for increased regulation. These are coming from powerful political figures, including candidates for the US Presidency like Elizabeth Warren. Entering the world of currency will almost definitely lead to more government scrutiny. For one thing, governments need a stable currency and don’t want people to use an alternative that undermines theirs. For another, Facebook has already been implicated in election tampering.

 

Critics of Libra point out that there are already better ways to do many of the things Facebook claims this currency will solve. Solutions like Ripple follow the rules set in place by the federal government. They’re already used to facilitate payments internationally at reasonable costs. There seems to be no real way that Libra would do the same thing at a lower cost, or with more efficiency.

This post was originally published on Etienne Kiss-Borlase’s Finance Blog. For more info about Etienne, please visit his homepage.

The Rise and Fall of Facebook Libra

The Rise and Fall of Facebook Libra

The Rise and Fall of Facebook Libra Etienne Kiss-Borlase

Facebook Libra has been in the news a lot lately. This cryptocurrency was envisioned as a so-called stablecoin. Libra was designed carefully to avoid the huge fluctuations faced by cryptocurrencies like Bitcoin. The plan was to offer a more stable currency, backed by stable securities. Sponsors like Visa, MasterCard, and PayPal seemed just about ready to get on board with the project.

 

However, by late October, they had all pulled their backing off the table. eBay, Stripe, and Mercado Pago were other potential sponsors who didn’t quite come through. Why the loss of confidence? Many aspects of Libra have been too up in the air for too long. In particular, Facebook’s role in the project opened it up to special concerns.

 

Facebook was famously always the social network that required real names. With Libra, if they offered anonymity, it could create liabilities. The platform could attract lots of black market activity and scams. However, if Libra were too closely linked to people’s Facebook profiles, it could cause problems in terms of privacy issues. The social network has alarmed consumers when it comes to data already.

 

Asking Facebook’s end users for access to financial details could really increase their risk exposure. If the two services were too closely linked, any data breach to either network could prove devastating for everyone involved. The idea of the low-volatility securities backing the stablecoin also seems overly optimistic in the wake of the 2008 recession.

 

Perhaps most importantly, Facebook is already facing calls for increased regulation. These are coming from powerful political figures, including candidates for the US Presidency like Elizabeth Warren. Entering the world of currency will almost definitely lead to more government scrutiny. For one thing, governments need a stable currency and don’t want people to use an alternative that undermines theirs. For another, Facebook has already been implicated in election tampering.

 

Critics of Libra point out that there are already better ways to do many of the things Facebook claims this currency will solve. Solutions like Ripple follow the rules set in place by the federal government. They’re already used to facilitate payments internationally at reasonable costs. There seems to be no real way that Libra would do the same thing at a lower cost, or with more efficiency.

This article was originally published on EtienneKiss-Borlase.net

The Rise and Fall of Facebook Libra