How Your Wallet Can Help Cut Spending

An organized wallet is a great money saver, and can help monitor and control spending and fees. Here’s why:

  1. Most people spend more money with credit than with cash. By limiting the amount of available credit cards, you can be sure to consider purchases in a more objective manner.
  2. Make sure you’re using the right cards. Regular inhabitants of your wallet should not have an annual fee. Interest should be low (around 11%), and reward cards should have a minimum of 1 point per spent dollar. Do your research and find the best fees and interest rates- and tell your current company you are switching. Many will match the deal you’ve found to keep you as a customer.
  3. Store cards have high interest rates, so make sure you frequent these stores before you commit. Once you do, pay attention to statements, pay bills on time, and carry the card on you in case of an impromptu shop.
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  5. Withdraw more cash when you visit an ATM. Most people don’t realize how expensive it can be every time they take out money. Minimize these costs (which average $2.40 per withdrawal) by predicted your cash needs for the upcoming week and drawing money accordingly.
  6. Carry bigger bills. A study has shown that shoppers are less likely to spend if they need to break a $20 or $50 bill. In general, people spend less cash than credit because of the keen ‘pain of payment.’

Save Money AND Time with Homemade Meals

Shifting economic conditions and busy markets have families and individuals grappling with the stress of maintaining full-time jobs and personal lives as household expenses and bills reach new heights. Thanks to long, tiring days and limited time at home, convenience foods like microwave meals, boxed-meals, frozen foods and pre-made mixes are becoming more popular amongst the majority of American households. These products are also some of the most expensive in the market.

Basic ingredients like flour, sugar, oil and eggs are all significantly cheaper, but demanding work schedules, lack of knowledge, and often laziness, deter many people from cooking homemade meals.  However, there are in fact many practical ways to take advantage of these inexpensive products. Not only will they save money on an almost daily basis; they pose as a great way to spend quality time with family members over the weekends as well.

Pizza dough can be stored in the freezer for months, so why not sacrifice one hour over the weekends to make a triple batch and save it for a later date? This can also double as dough for garlic bread sticks, which make a great side to vegetable or onion soup. Waffles, bagels, quiches and desserts can also be frozen and used the same way. Soup is another great option, as it can be kept in the refrigerator for 5-7 days, so one large pot made on Sunday will save money throughout the entire week. Though it takes hours to cook, the actual preparation time can be kept down to around 20 minutes.

Clock-watching is the enemy of attunement, focus, and intent as the therapist unconsciously drifts from being totally “present” with the client to suddenly worrying about getting enough “techniques” completed in the allotted time frame. “Minutes” allows the therapist time to observe, assimilate, and record such things as postural abnormalities, viagra ordering on line present state of mind, painful past experiences (both physical and mental), positive or negative attitudes about. It heals the damaged nerves or tissues due to cialis online sales excessive self-stimulation. Erectile dysfunction is a viagra cialis levitra common state along with a very uncommon disorder which has become quite common in many men these days. This then allows the proper flow of blood which enables levitra properien the penis to stay erect for longer period of upto 5 to 6 hours.
There are hundreds more recipes and dishes that can be prepared in advance. Thanks to today’s internet, these time-efficient, money-saving meals are only a Google search away!

 

A Simple Bathroom Makeover

Are the long-neglected details of your home begging for a makeover? Thanks to creative, organized minds around the world, taking on this endeavor is not nearly as difficult as it seems.

Woman’sDay.com discusses several ways to add character to your home without too much effort or impact on your wallet. Here are some ideas for updating your bathroom’s look:

  • “Add a healthy dose of pattern and color to the inside of your medicine cabinet,” the magazine suggests. “Remove the shelves, then use spray adhesive to line the back of the cabinet with craft paper or wallpaper scraps.”
  • Next, “spruce up a set of plain store-bought towels with custom trim. Select thick grosgrain ribbon that suits your style, then stitch it along the edges of your linens.”
  • For hooks and racks, “hang a peg rack or an assortment of coat hooks instead of a traditional towel bar. Or fashion simple, rustic hooks from sturdy branches with good angles. Use a fine-toothed saw to make clean cuts, sand the edges and drill two holes for mounting.”
  • Make sure to reuse- “Repurpose everyday items into one-of-a-kind accessories: a galvanized metal bucket or ceramic planter is an unusual trash can, and screw-top jelly jars are cool catchalls for cottonballs, cotton swabs and bath salts.”
  • Consider using adhesive wall decals, which “transform a blank wall into a striking mural. An alternative to wallpaper and stencils, they add graphic punch and are easily removeable.”
  • Keep it green- “Treat the bathroom like any other room in the house by introducing natural elements such as a potted plant or fresh flowers.”
  • “Off-the-shelf vanity cabinets get an extreme makeover with high gloss paint,” Woman’s Day points out. “Go the whole hog or use painter’s tape to outline a thin faux trim in a peppy hue.”

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Global James Bond Day Coming Soon

If you haven’t already reserved the date, get ready to do so now. Bond, James Bond is celebrating his 50th birthday – or at least the franchise is. On October 5th, Global James Bond Day will celebrate the 50th anniversary of the first UK release of a Bond movie.

The movie was “Dr. No.” MGM Studios and EON Productions are spearheading the day-long series of Bond events.  Exciting events for the day will include a “50 Years of James Bond” film retrospective at the Museum of Modern Art in New York, which will run until October 31. It will also include

The gallery exhibition “Goldfinger: the Design of an Iconic Film Title” will also be featured at MOMA.

Christie’s will be hosting a live charity auction event in London for Bond’s anniversary that day and there will be a Music of Bond night in L.A. hosted by the Academy of Motion Picture Arts and Sciences.  In Toronto, you can catch the Designing 007: 50 Years of James Bond Style.

In addition, fans can catch a glimpse at the new documentary from Metro-Goldwyn-Mayer Pictures, Passion Pictures and Red Box Films which is called Everything or Nothing: The Untold Story of 007. This film, directed by Stevan Riley, focuses on the James Bond producers Albert R. Broccoli, Harry Saltzman and author Ian Fleming. It’s about how they’ve made the longest running film franchise in movie history.

Here are some fun, quick facts about the Bond franchise to get everyone ready for the big day.
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1. Ian Fleming chose the name James Bond, and he did so because, “I wanted the simplest, dullest, plainest-sounding name I could think of. James Bond seemed perfect.” He found the name when looking at the name of the author of the book Birds Of The West Indies that was on his bookshelf.

2. There have never been agents 001 or 005.

3. Seven actors have played the role of James Bond including: Sean Connery, David Niven, George Lazenby, Roger Moore, Timothy Dalton, Pierce Brosnan and Daniel Craig.

4. By the end of 2012, there will be 26 James Bond movies as part of the collection.

Would YOU Try Placenta Shampoo?

Numerous hair treatments and magic shampoos line the shelves of drug stores and online venues such as Amazon.com, and women have long disputed the best brand and ingredients for the perfect mane.

A new trend, used for years by Hollywood stars, has finally hit the mainstream market- placenta-based shampoos and body washes. Believed to have immeasurable nutrients and anti-aging properties that rejuvenate the body’s cells, afterbirth may be the industry’s new miracle ingredient.

The most popular products that use this ingredient are the La Bella shampoo and conditioner which claim to contain a ‘special placenta enzyme,’ and Hask Placenta No Rinse Hair Repair Treatment. La Bella believes it will help restore “shine and bounce” to the hair, while the latter also promises to “nourish your dull, frizzy hair,” and “restore life and luster.”

Would you use products based on the placenta- a structure which protects the fetus en-utero? These generic products use placental ingredients from cow, sheep and plants- not from humans. Though many would find the concept difficult to accept, some have grown up using it their whole life!

The Huffington Post’s Erica Cheung revealed that she has been using the treatment since childhood.
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“My mother would take me to the kitchen, sit me on a bar stool and prepare a beauty concoction for my hair in a silverware spoon,” she explained. “She would heat it over a flame (usually on the stove) and when the liquid was hot, but not boiling, she would distribute it over my chocolate brown hair, concentrating on the scalp. The concoction consisted of almond oil, tomato juice and placenta. Yes, placenta- like afterbirth.

“At the time I didn’t realize that what my mom was putting in my hair came from a living thing’s uterus. In all honesty, the placenta smelled really good and looked like vegetable oil. The bi-weekly event became a beauty ritual and I’ve used placenta my whole life because of it.

“The memory of my mother lathering afterbirth all over my head is akin to other memories of her teaching me how to braid my hair or going to buy my first bra. It was all very normal to me!”

Today, Cheung swears by Hask Placenta No-Rinse Instant Hair Repair Treatment, which she says makes her hair feel “soft and smell really good for days.”

Early Birds and Productivity: What You Can Accomplish as a Morning Person

Most people can easily identify themselves as either early birds or night owls. According to a recent study in Emotion, an American Psychological Association journal, those more comfortable in the morning tend to be happier people.

The study involved 700 participants of all ages, collecting information regarding the respondents’ emotional states, health and preferred time of day. The happier, healthier people were those who labeled themselves ‘morning people’, while the night owls reported more lethargic and depressed attitudes.

Being a morning person has many advantages, the most simple of which being a full night’s sleep. A morning person also sleeps and rises with the sun, which is biologically correct and undoubtedly has an impact on both the quality and quantity of a person’s rest. Society also caters to a morning person’s schedule.

Morning people are generally more productive at the workplace, too. They are more focused and alert, and complete tasks faster than those who roll out of bed and into the office.

According to the U.S. News & World Report, early-bird employees complete these 12 tasks before noon:

1.     Writing out a work to-do list- the night before!

Sozo Firm’s Andrew Jensen explains: “Some people like to do the to-do schedule in the morning, but then they might have already lost office time writing it out. It helps to do that to-do schedule the night before. It also will help you sleep better.”

2.    Getting a full night’s sleep. Drowsiness and lack of sleep have a direct effect on concentration and productivity. Make sure to always get true rest on work nights; health experts recommend at least 8 hours every night.

3.    Eliminating the Snooze button. Adding several bonus minutes at a time will only result in you dozing back off and finding yourself behind schedule. If you’ve had a full night’s rest, it should be easy to climb straight out of bed to begin the morning routine.

Jensen says: “Anyone can be made into a morning person. Anyone can make morning their most productive time. It could be that for the entire week, you set your alarm clock a little bit earlier, and you get out of bed on the first alarm. It may be a pain at first, but eventually you’ll get to the point where you’re getting your seven to eight hours of sleep at night, you’re waking up with all your energy, and accomplishing the things around the house you need to before going to the office.”

4.    Exercising. Scheduling your yoga, Pilates, swim or job for the morning boosts your body and mood for the rest of the day.

“Exercise improves mood and energy levels… There have been studies done on employees who’ve exercised before work or during the work day. Those employees have been found to have better time-management skills, and an improved mental sharpness… Those same studies found these workers are more patient with their peers,” Jensen says.

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5.    Getting into a personal routine. According to Jensen, the morning should be dedicated to activities for you as well, such as reading the next chapter in a book, meditating or using the internet.

“It’s important to have that quiet time with just you,” he said.

6.    Eating breakfast. There’s a reason it’s called ‘breakfast’, and this meal is most important after last night’s fast. It will also fuel energy and concentration needed first thing at work- so avoid any heavy, processed carbs.

7.    Getting to work on time. With their schedule planned and busy, morning people have an easier time getting in to the office on schedule.

8.    Checking in with fellow workers. This improves productivity and enhances the atmosphere at the workplace.

9.    Tackling difficult tasks first. Thanks to last night’s to-do list and the morning energy, bigger projects can be taken care of quickly and efficiently.

“Don’t jump into meaningless projects when you’re at your mental peak for the day,” Jensen said.

10.    Avoiding unnecessary meetings.

“You should use your prime skills during the prime of the day. I believe that mornings are the most productive time,” he says. However, “sometimes you have to schedule a crucial meeting, or a client meeting, in which case you’d want to plan for a time when employees and at their peak.”

11.    Following up on messages. Sozo Firm recommends scheduling email and messaging breaks at specific intervals throughout a workday.

12.    Taking a mid-morning break. This can be a little walk to stretch the legs, or even just 5-10 minutes of surfing the web, in order to refresh.

Jensen says: “You should take 10-minute breaks occasionally. Companies that ban any kind of Facebook, texting or personal calls can find it will be detrimental. Those practices increase employee satisfaction.” He added, “The best employees will respect their employer’s time.”