How to be ‘money smart’ in a digital world

2018-03-09T10:01:00

(BPT) – Modern digital technology has replaced landlines, television antennas, VCRs, CDs and many other things that were once part of our daily lives — and the next thing to go may well be cash.

A few years ago, the idea that we would no longer use cash would have seemed outlandish, but it’s happening right before our eyes. A 2016 Gallup poll found only 24 percent of Americans made all or most of their purchases with cash, compared to 36 percent five years ago. Plus, according to a recent U.S. Bank Cash Behavior Survey, more consumers say they prefer the use of digital apps to make payments versus cash.

Digital payments, specifically person-to-person (P2P) payment technologies, have made it fast, safe and convenient to send and receive money from a mobile device. Where once people exchanged cash, they are increasingly sending money to one another via P2P technology services like Zelle(R), which connects the nation’s leading financial institutions to enable consumers to send fast payments to friends, family and people they trust.

If you haven’t already joined the 100K consumers, on average a day, who are signing up to use P2P payments, the experts at Early Warning Services, the network operator of Zelle(R) — offer three ways to be “Money Smart” in a Digital World:

* Speed — When rent is due, or someone’s birthday is coming up, time and money are critical! Don’t send money that will take days to get to someone or could get lost/stolen at the post office. With Zelle you can safely send money, typically within minutes when both parties are already registered.

* Simplicity — Using Zelle makes it easy to send money to friends and family with a bank account in the U.S. — whether you’re using your banking app on your phone or the online banking portal on your laptop, you can pay friends back or request money from family wherever you are and without ever looking for an ATM.

* Safety — Make sure you only send money to people you know and trust, and make sure you type in their phone number or email address accurately when you send funds. By only sending money to people you’re already familiar with, you help to mitigate your chances of falling victim to scams.

Are the days of wrinkly dollar bills and trips to the ATM over? Maybe, maybe not — but as more people switch to mobile payments, the convenience, security and ease will revolutionize the way people exchange money.


Don’t re-roof until you do these 5 things

2018-03-08T14:35:00

(BPT) – With spring officially arriving, home improvement season is swinging into full gear. Fair warning to homeowners looking to hire a professional, 2018 is predicted to be a record-breaker.

A recent study by the Joint Center for Housing Studies of Harvard University projects home improvement spending will approach $340 billion this year — the strongest gain for remodeling in more than a decade. Among the costliest of projects is roofing, a large expense with serious implications if put off or improperly done.

When you add 2018’s remodeling demand with the much-talked-about skilled labor shortage, on top of the recovery from last year’s hurricane season, homeowners could be tempted to jump right into major home work, all without doing their homework first. As this could prove costly, consider the following before anyone sets foot on your roof:

1. Check contractor qualifications

Choose a local, reputable contractor. These contractors should have the best knowledge of local building codes, state codes and required certifications and licenses. Ask the contractor to see their certificate of insurance before stepping onto the roof. Consider going the extra mile and choosing a contractor certified by the manufacturer of the shingle the contractor installs. Improper installation is considered one of the major reasons roofs fail prematurely, so finding a contractor with knowledge and experience in the correct application of a particular product is of the utmost importance.

2. Determine layover or tear off

Many times, contractors will push for a removal of all existing shingles, or a tear off, over adding another layer of shingles on top of an existing roof, a layover. Although a complete tear off is more expensive due to increased labor costs, there are some advantages.

“When you tear off, you get a chance to look at the roof deck and repair any deteriorating wood or substrate,” said Rick Taylor, longtime roofing contractor and a trainer for shingle manufacturer TAMKO Building Products Inc.

Typically, doing a layover is more economical, although homeowners need to discuss relevant factors with their contractor, including local building code requirements and implications for the manufacturer’s warranty.

3. Research the warranty

It is important to understand the warranty specific to the roof product you have installed. Educate yourself on requirements for installation, including whether a shingle layover is applicable (as mentioned above).

“Some shingle manufacturers won’t warranty the roof unless it is a complete tear off,” Taylor said. “TAMKO is one that actually does have the option to warranty a laminated shingle applied over one other layer of 3-tab shingles.”

Other warranty concerns to consider include proper installation, the required steps to register your roof after installation and the time period allowed for transferring that warranty to future owners of the home.

4. Assess ventilation needs

Inadequate roof ventilation is another major culprit behind premature roof aging. There are a variety of options for roof ventilation; however, it is generally recommended to incorporate proper ventilation into the original re-roof, rather than add it later. The recommended ventilation depends on the size and architecture of the home, but when done correctly, the air inside the attic should be near the same temperature as the ambient temperature of the air outside it.

5. Check the weather

It may seem obvious, but a simple check of the weather before starting a roofing project could prevent a big headache later. Avoid starting a project with wet plywood or underlayment, or when the forecast indicates a strong chance of rain. Also, many manufacturers of asphalt shingles, the most popular form of roofing in the U.S., do not recommend installation in below-freezing temperatures or in excessively high temperatures.

Careful consideration of these steps during your next home exterior project could save you from costly and lengthy rework years later.


Dominate spring: 5 easy steps to wake up your lawn

2018-03-08T09:47:00

(BPT) – There are a lot of things people miss during the winter — flip-flops, shorts and warm sunshine. But one of the things homeowners miss the most is the sight of green grass.

For months their lawns go into hibernation and disappear under a blanket of snow. Once the temperature starts to rise and the days start getting longer, many are eager to get outside and restore their lawns to their former glory.

But in order to get a lush green lawn that is the envy of your block, it’s crucial to get to work at the beginning of spring. The lawn experts at Lowe’s have shared five key steps you can take right now to ensure you have a beautiful and healthy yard all year long.

1. Tune up your equipment

Before you start work on your lawn, you want to make sure your mower is ready for the season. This means changing out the oil, tightening up any loose bolts or fasteners and starting the season with fresh spark plugs. You should also make sure the air filter is clean, and don’t forget to have your blade sharpened. Be sure to follow the manufacturer’s instructions.

2. Evaluate your lawn

Once all the snow has melted, set aside some time to walk over your lawn. Take note of any dead spots, snow mold or raw patches of earth that need reseeding. Bring a rake with you to clean up dead leaves or break up any thatched areas that may have formed over the winter.

3. Take care of snow mold

If you find a spot of snow mold and other types of lawn fungus that are common in early spring, take a rake and gently break up the matted grass so it can dry. Oftentimes, this will be enough to dry out the mold and get the grass in the area growing again. However, depending on the extent of the damage, you might have to patch or reseed the area.

4. Reseed where needed

For the bare spots as well as areas of your lawn that are looking a little thin, overseeding is a great way to return it to its full, lush state. Spread grass seed over the area you want to patch, add some fertilizer and about a half inch of topsoil and gently rake the mixture in with the grass and soil. Thoroughly water these patches every day until the seeds begin to germinate.

5. Plant while it’s still cool

The cooler temperatures in spring are ideal for roots to take hold before the hot summer weather arrives. This is why spring is the best time to seed your lawn. Also, if you’ve been thinking of planting any shrubs or trees, you should do it before it gets too warm.

The smell of fresh-cut grass is almost upon us! Lowe’s has all of the products and services you need to get your lawn ready for spring.


4 ways hardscapes can add value to your home

2018-03-07T14:01:01

(BPT) – Outdoor hardscape projects add resale value to a home as well as bring extra enjoyment to homeowners while they are living in the home, according to the “Remodeling Impact Report: Outdoor Features” by the National Association of Realtors (NAR) and the National Association of Landscape Professionals (NALP).

The report confirms that investing in landscaping and hardscaping is a win-win, whether you plan to stay in your home or prepare it for market.

“This report validates that outdoor remodeling and landscaping improvements are a necessity when it comes to improving your home’s resale value,” said Missy Henriksen, NALP vice president of public affairs. “Homeowners working with a landscape professional to embark on renovations — whether that means enhancing their turf and growing a lush lawn, overhauling their entire landscape, or incorporating new features like patios or exterior fireplaces — can rest assured that they are making a smart, worthwhile investment.”

Curb appeal

Real estate agents suggest that a home’s first impression is paramount when preparing it for sale. Simple updates such as adding retaining wall units or paving stone edging around gardens add value and curb appeal. More ambitious projects like a front paving stone entrance with patio and a seat wall or two add major curb appeal plus the enjoyment factor from adding a beautiful, functional front yard.

Varying hardscape colors and textures in the front outdoor living space lends maximum visual appeal. Hardscapes also can make routine maintenance easier, such as creating a tree ring from retaining wall units and surrounding it with pavers to reduce the need for trimming after mowing.

Making unusable space usable

A family in Maple Grove, Minnesota, had a hill behind their home that sloped down to a pond. They knew that excavating would be required and contacted Villa Landscapes in St. Paul to help them decide how best to make use of the space.

“The Versa-Lok Standard retaining wall system was perfect for retaining the soil behind the garage when we excavated to create their outdoor living space,” said Lonny Sekeres, a designer with Villa Landscapes. “There are no voids in the units to backfill, and the top-down pinning system made the installation easy. By back-splitting the retaining wall units, we easily created matching freestanding seat walls around the fire feature area too. Plus, the same unit was used to create columns that provide a base for a pergola while giving a nice definition to the outdoor living space.”

Prevent erosion

Damage to your property can devalue a home plus create major headaches. Retaining wall systems are essential in preventing erosion, controlling grade changes in a yard, and preventing damage to the landscape, and in certain environments, even damage to your home.

One homeowner in Apple Valley, Minnesota, had a steep, unusable backyard that sloped toward the home’s foundation. Over the years, water damage to the foundation occurred.

“The negative flow caused water damage, a leaky foundation and the accumulation of dirt that had been eroding down the slope for years,” said Paul Devine, owner and principal of Devine Design Hardscapes in Rosemount, Minnesota. “There was no flat, usable area at the base of the hill, and the client had never been able to grow grass because of constant erosion. The Versa-Lok wall design created a positive flow away from the home’s foundation, steps to the top of the hill, and a flat, usable area for a backyard.”

Devine created a tiered retaining wall design with ample space for perennials and a staggered staircase with landings that feature seat walls for resting.

Safety and privacy

Seat walls can add a measure of privacy and protection against the elements, and energy-efficient landscape lighting can be installed along patios, paver walkways and under retaining wall caps for nighttime ambiance and functionality. Landscape professionals can suggest how adding these and other hardscape elements can increase value and offer measures of safety and privacy.

In the end, investing in your home’s landscape with hardscapes is a long-term win-win, no matter how long you stay in your home or if you are preparing it for sale. Says Henriksen: “Further, that investment is coupled with the immediate happiness received by beautiful landscaping and the long-term enjoyment of outdoor living spaces, which are priceless.”


6 project ideas to recreate your kitchen

2018-03-06T06:01:00

(BPT) – As the hub of activity in a home, the kitchen serves many purposes: meal prep base, dining area, family gathering place, celebration zone, and entertainment center, to name a few. Does your high-use, heart-of-the-home kitchen meet the challenges and needs of your family life?

If not, then it’s time for a renovation. A kitchen remodel can be inspired by lifestyle changes, the need for energy efficiency, upgrading of decades-old styling, or simply that you are ready for a change. The good news is that remodeling the most used room in your house not only improves the space itself, it increases the overall value of your home.

Research from Remodeling magazine shows homeowners who undergo a mid-range kitchen remodel can expect to recoup 81 percent of their spend upon selling their home. A major kitchen remodel will recoup 59 percent, according to the same study. With statistics like these, remodeling your kitchen has the potential to be good for you now and in the future.

So what are you waiting for? Start planning your kitchen remodeling project today. Here are six ideas, ranging from minor to major:

* Replace your faucet. For the amount you use your kitchen faucet, functionality and ease-of-use should be top priorities — highlighted with stylish designs lines, of course. The Avery Selectronic hands-free pull-down kitchen faucet from American Standard features a three-function spray that can handle any kitchen challenge. Plus, this high-arc touchless faucet offers flexibility to suit user preference — simply switch to manual function for guests not familiar with touchless operation.

* Paint your cabinets. If replacing your kitchen cabinets is not in the budget this year, repainting them is the next best thing. A fresh coat of paint can dramatically change the appearance of your kitchen. Select a paint that dries hard so it can stand up to wear and tear; choose a satin finish paint to hide imperfections in the cabinet surface. To complete the look, consider replacing the cabinet hardware. Pick the style that appeals most to you and remember knobs are more common on cabinets, handles on drawers.

* Add a backsplash. Create an instant wow factor by enhancing the walls above the work areas of your kitchen. The use of varying shapes and materials can really showcase your creative side. Today’s homeowners are choosing larger sized subway tiles, introducing a bit more color to this traditionally neutral-colored area of the kitchen, experimenting with varying tile patterns, and choosing metallic and mirrored finishes. Extending the backsplash all the way to the ceiling, with the use of shelving instead of cabinets for storage, is a new trend gaining ground. Whatever your choice, a new backsplash can delight you every time you enter the kitchen.

* Elevate your faucet. For homeowners who enjoy crafting delectable meals for family and friends, an upgrade to the GROHE Essence semi-pro faucet provides the perfect combination of modern functionality and high style. It features convenient one-hand operation, full 360-degree sink mobility and two high-performance sprays. Plus, this high-arc faucet features a flexible silicone hose that can be easily replaced in a variety of rainbow colors for an instant kitchen “perk-up.”

* Explore sink options. Whether it’s for food preparation, dish washing or bathing a small child, families depend on the kitchen sink for a lot of things. The DXV Hillside stainless steel sink exhibits the rich character of popular farmhouse sink styling with a refined sophistication ideal for the modern kitchen. Made from 16-gauge stainless steel, its clean apron-front design makes it perfect for under-counter, flush countertop or above-counter custom installation. The result is a high-style sink that can meet any kitchen need.

* Change out those cabinets. While repainting cabinets can change the look of your kitchen, replacing them can totally upgrade the room’s core style and functionality. Select new cabinets based on the current needs of your kitchen, considering accessories that can improve functionality. Think slow-close drawers and doors, turntable corner cabinets, pull-out trash can cabinets, plus many innovative storage features. The choice of design styles — framed or frameless — will impact your kitchen’s look. Cabinets vary in price, depending on whether they are stock, semi-custom or custom. With kitchen cabinets accounting for up to 40 percent of a full kitchen remodeling budget, invest time in choosing the style and function that will make you love your new kitchen.

Whatever your level of kitchen remodeling, these upgrades are sure to make life easier and more enjoyable in a room that is the focal “living” room in any home. Go ahead and plan your renovations today — and experience the benefits for years to come.


Adventurers and travelers: Add this to your bucket list

2018-03-22T14:01:00

(BPT) – Let your soul experience one of the most stunning and pristine places on earth, Western Australia’s Kimberley. Its coastline is so unspoiled, dinosaur footprints still smatter the rocks. Its oceans are so untouched, whales nurse their young in its warm waters. Its indigenous culture is so ancient, no other can match it. The Kimberley is more than a remarkable region in Western Australia; it’s one of the most fascinating and least explored places in the world. As world travelers seek unexplored destinations, The Kimberley has been added to their bucket list of dream vacations. This is a place that commands explorers to indulge in its many wonders.

A last true wilderness

Both magical and rugged, Western Australia’s Kimberley is one of the few last wilderness areas, like Alaska, Galapagos, Antarctica and the Amazon, where you feel the rawness of the earth and the wonder of nature with an ancient story. Immediately, there is a deep intangible presence in the Kimberley that is at once powerful yet calming. Night-blooming flowers from the giant Boab trees make the air fragrant while the night sky glitters with millions of stars.

The gateway to the Kimberley is the small pearling town of Broome, home to some of the largest and most prized pearls, where camel rides on Cable Beach is part of everyday life and where nine sets of dinosaur footprints cast as massive fossils. The influence of the pearling industry, with its melting pot of cultures and cuisines, has helped to create the distinctive character and charm of Broome, which offers select beach resorts, a unique calendar of events and exquisite dining options, including locally caught fresh seafood.

Modern means of exploration

The best way to experience the Kimberley is through expedition cruising. A unique collection of companies operate boats that take passengers to the region’s most pristine beaches and reefs, to towering waterfalls so close you can feel the fresh mist on your face, through ancient gorges, and to 350-million-year-old rock formations. Through expedition cruising, you will likely place your footstep where no one before you has ever been.

In this remote setting, visitors can encounter the true icons in Western Australia’s North West, including the natural phenomenon of the Horizontal Falls, the majestic 260-foot-tall King George Falls, and the Rowley Shoals featuring coral atolls home to 700 tropical fish species and considered among the best dive spots in the world, where not more than 500 people visit in a year.

Adventure need not be rugged

Just because you’re exploring one of the last untouched wildernesses on the planet doesn’t mean you can’t indulge.

Both adventurous and luxurious, Kimberley cruises bring the savvy traveler to places few humans have seen while offering them the comforts of a delicious meal showcasing local flavors (or your own catch of the day), soft beds, and services that connect travelers with the people and the land.

Every cruise is different. Many have on-board naturalists and experts that guide excursions and open the wonders of the region to curious passengers. Some high-end cruises have a helicopter to take you to the top of the cliffs and give you an unrivaled view of this unforgettable world.

Before heading to the Kimberley, explore Western Australia’s capital city Perth, home to many extraordinary experiences, including one of the world’s largest inner city parks, stunning metro beaches, a lively food and wine scene, marine encounters, and the State’s oldest wine region. Perth is the fastest-growing (and sunniest!) city in Australia.

To find the cruise that’s right for you, check out the Kimberley Expedition Cruise Guide, an invaluable resource that showcases a number of companies offering world-class excursions throughout this stunning region, or visit Down Under Answers, Qantas Vacations and Southern World.


Protect your home from termites this spring

2018-03-22T12:01:00

(BPT) – Spring is officially here, bringing flowers, greenery and increased pest activity. Because termite evidence is more noticeable in warmer months, it is important to check for any warning signs every spring. Fortunately, there are a few things you can do to reduce the likelihood of a termite infestation in the first place.

Keep shrubs trimmed

Well-maintained shrubbery looks nice, but it also serves an important purpose: Trimming shrubs reduces the likelihood termites and pests will enter your home. Stray branches that touch a house’s exterior provide pests with direct access to potential entry points. By properly maintaining landscaping, you can make access more difficult for these unwelcome houseguests.

Modify your landscape

It’s important to make smart decisions when adding landscaping, because termites are more attracted to some materials than others. Instead of traditional mulch, opt for synthetic mulch or pea gravel. These alternatives are less attractive to termites than wood-based mulch.

Maintain home exteriors

Termites need water to survive. Controlling excess moisture can help reduce the risk of an infestation. Regularly maintaining home exteriors, such as wooden siding and windows, can help you detect and repair leaks early.

Monitor interior moisture

Many homeowners forget to think about moisture inside their homes, particularly in basements and crawlspaces. Properly ventilating these areas helps minimize the amount of moisture around floor joists and subflooring. Reducing moisture in interior spaces can help reduce the likelihood that termites will take up residence in your home.

If you suspect you may have a termite problem, the best solution is to call a pest professional such as Terminix. Termite warning signs include blisters in wood flooring, hollowed or damaged wood, and evidence of swarms such as discarded wings, mud tubes and droppings that resemble sawdust or coffee grounds. Early detection can prevent a small termite problem from becoming a widespread infestation.


4 simple swaps when planning a kitchen refresh

2018-03-22T10:01:01

(BPT) – Spring is in full swing, which means it’s time to reinvigorate your kitchen with a new look! When planning your refresh, consider these simple, stylish swaps that don’t require investing tons of time or budget.

Upgrade your kitchen fixtures

Faucets often serve as the centerpiece of the kitchen. Replacing an outdated model is an easy way to give your space a facelift. Choose a piece that’s as functional as it is fashionable such as the Delta Allentown Faucet, available at The Home Depot. This faucet offers an industrial, versatile design and tech-savvy appeal for every modern homeowner. Complete with TempSense Technology, the faucet will notify you when water has reached your desired temperature through coded LED light colors.

Liven up your cabinets

Small changes can make all the difference. Replacing outdated cabinet knobs and drawer pulls can give your space a fresh streamlined look with minimal effort. Dated accessories can weigh down the aesthetic of the entire room. Instead, replace with hardware in a bold bronze or sleek matte black finish.

Enhance simple walls

Play with textures to create a more intriguing space. Replace flat wall paint with a backsplash made from unique materials, such as faux-brick, salvaged wood or stainless-steel subway tile. A textured surface touting quality and distinction lends a design-forward aesthetic without breaking the bank.

Embrace the unexpected

Replace traditional décor with curated accents to elevate the space and delight the eye. Incorporate a plush patterned rug or paint cabinets with an on-trend hue of blue, gray and green, such as Behr’s Color of the Year titled, “In the Moment.” Most importantly, remember to let your personality shine by adding items that have special meaning. Whether it’s a set of vintage bronze candlesticks you found at a local antique shop or artwork purchased on vacation, unanticipated personal pieces often create storytelling moments and receive the very best of compliments.

For more design inspiration, visit DeltaFaucet.com/design-innovation/inspiredliving.


Tax-time tips in the final stretch of the tax season

2018-03-22T09:01:01

(BPT) – The April 17 tax filing deadline is quickly approaching. While many are excited about the possibility of a tax refund, nearly 1 in 3 taxpayers waits until April to file their return. Whether filing online or meeting with a tax professional, H&R Block shares three tips to help make the final stretch of the tax season less daunting.

1. Get organized

Keeping good records is the foundation for everything else because you can’t deduct what you haven’t documented. Take the time to complete a paper chase and find all tax and financial documents and related information needed to file a tax return. It may be easier to use a customized tax preparation checklist to help you make sure you aren’t missing important documents. Missing tax documents can lead to missing out on tax benefits you are entitled to claim.

Consider starting with your previous year tax return, then track all income and receipts, and finally document each. After that, separate business-only bank accounts and credit cards to make it easier to keep good records and file accurate tax returns. Remember to secure paper and digital records in a safe place like MyBlock, and make sure you back them up too.

2. Don’t overlook credits and deductions

The tax refund is the single largest financial transaction many taxpayers will have in a year. The stakes can be high and mistakes can be costly, especially when it comes to life changes — getting married, having a baby, buying or selling a home, sending a child off to college or retiring. Not understanding how these life changes can impact your return causes many taxpayers to make mistakes and leave money on the table. In fact, the IRS announces annually that approximately $1 billion goes unclaimed in federal tax refunds.

Most taxpayers file their taxes using the standard deduction, but you may be eligible for a variety of deductions or credits that could possibly save you more, including:

* Education benefits: Federal tax credits can help offset the costs of higher education for yourself or your dependents — depending on your academic program, what year the student is in, etc. To qualify, you must pay for post-secondary tuition and fees for yourself, your spouse or your dependent.

* Earned Income Tax Credit for lower-income workers: Twenty percent of eligible taxpayers, particularly lower-income workers, do not claim the Earned Income Tax Credit (EITC). Keep in mind that eligibility may fluctuate based on financial, marital and parental status, which may cause taxpayers to be ineligible one year, but eligible the next. Also, people tend to overlook the EITC because they may not earn enough income to have to file a return. Remember that the EITC is a refundable credit, so even those who don’t need to file a return can still claim the credit.

* Itemizing deductions: Itemizing can save taxpayers hundreds of dollars, as only 1 in 3 taxpayers itemize, but millions more should. Owning a home is often the key that unlocks itemization, but some taxpayers with high state taxes and charitable contributions may also be able to itemize.

3. Avoid common filing pitfalls

Selecting the wrong filing status can affect which credits and deductions you are eligible for, the value of your standard deduction and your tax bracket. In addition, common clerical errors such as mixing up names, forgetting to include information reported on your W-2, 1099 or other forms, or even making mathematical errors can also affect your tax benefits.

Not filing at all is even worse — as the penalty for not filing a tax return is 10 times greater than the penalty for not paying in full. The best way to avoid this penalty, which could add up to 25 percent to your tax bill, is to file a completed tax return or apply for an extension. An extension to file is not an extension to pay any taxes you might owe. To avoid a penalty, you will need to estimate what you owe and pay at least 90 percent by April 17.

To ensure you get the maximum refund without delay this year, or if you find yourself filing incorrectly, visit hrblock.com for more information, to make an appointment with a tax professional or to start your own tax return online for free.


Top 5 reasons to visit El Salvador in 2018

2018-03-21T12:01:00

(BPT) – El Salvador, Central America’s smallest country, attracts a wide array of intrepid travelers who come to experience its vibrant culture and diverse outdoor activities. From its rich Maya history, to its volcanic beauty and generations-old artisan heritage, El Salvador provides plenty for travelers to explore.

El Salvador is incredibly easy to reach from the U.S. and offers everything from ecotourism to culinary adventures at a fraction of the price of more well-known Central American destinations. There are regular direct flights to El Salvador from major U.S. cities, including New York City, Washington, D.C., and Los Angeles, and there is no need to exchange money upon arrival, as the U.S. dollar is the national currency.

Here are five ways to make the most of a trip to El Salvador.

1. Kick back at the beach

There is no shortage of world-class beaches in El Salvador, with warm Pacific waters lapping on nearly 200 miles of coastline. Surfers flock to La Libertad for its renowned waves and international competitions. Those interested in learning to surf can find lessons for as low as $10. Along black sand beaches, travelers will find amazing seafood to enjoy while taking in magnificent ocean views.

2. Hike volcanoes and waterfalls

El Salvador is known as the “Land of Volcanoes” with 25 volcanoes visible to the naked eye. Many travelers combine a city tour of San Salvador with an easy volcano hike in El Boquerón National Park, just a short drive from the city. Local guides can navigate visitors up steeper volcanoes for half- and full-day trips. The country’s tallest volcano is Santa Ana Volcano in Cerro Verde National Park northwest of San Salvador where hikers will find moderate to difficult trails with a stunning turquoise crater lake at the top.

3. Get caffeinated on a coffee tour

El Salvador’s high altitude and tropical climate create the ideal conditions for growing coffee beans, and the country is known as one of the world’s top regions for specialty coffee production. Chances are that you have enjoyed java that originated in the mountainous region of El Salvador. A tour of El Carmen Coffee Estate gives visitors a closer look at the coffee-making process and provides the chance to taste some of the best coffee on earth straight from the source.

4. Get crafty with an artisanal immersion

Several of El Salvador’s small colonial towns are known for signature artisanal crafts that travelers can learn during their stay. Those that travel north from San Salvador to the quaint town of Suchitoto can make their way to the Arte Añil workshop and gallery to learn how to dye cloth with indigo as the Maya once did. Further north, the town of La Palma draws inspiration from the Maya to create the Arte Naíf drawing style. Visitors learn to paint with spontaneity without adhering to perfect proportions, creating bright and contrasting colored designs on locally harvested copinol seeds for a truly exotic souvenir.

5. Dig into the past with an archaeological site visit

Known as the “Pompeii of the Americas,” the UNESCO World Heritage Site Joya de Ceren provides a fascinating look at an ancient farming community that was buried in ash from a nearby volcano. A visit to the site and the nearby pyramids at San Andrés educates travelers on the lives of Central America’s original inhabitants who lived there as many as 1,000 years before Europeans arrived.

With easy flight options, low prices for world-class experiences, and the ability to hike a volcano in the morning and surf in the afternoon, it’s not hard to see why El Salvador has become a hot destination for 2018.