We've come a long way in the world on sunscreens. A while ago A friend introduced me to a pump action sunscreen. Wow! What a wonderful invention; especially when self-applying to your back! Then comes the aerosol spray which takes sunscreen to the new level of ease. i love this stuff and it doesn't leave you feeling oily. But are they effective and safe? Click on this link to read an article that explores sunscreen.
Did you know that what you typically put on your plate speaks volumes about your personality? Discover what your choices mean by completing this quiz and find out more about you:
Your typical breakfast is:
Hot cereal with blueberries.
An English muffin.
Eggs and toast.
Your favorite sauce over pasta is:
Garlic and olive oil.
You eat most of your food:
By munching throughout the day.
When you're nervous, you tend to eat:
Nuts, chips or fruit.
Candy, cake or cookies.
Mostly "a" - You're a practical person who opts for good nutrition that tastes delicious, too. You're also quite confident in the kitchen your favorite room in the house where you prepare innovative recipes for family and friends.
Mostly "b" - You're so energetic and open to new things that your food choices are an eclectic mix. You're more concerned with enjoying yourself than worrying about consequences. You figure pleasing your palate is worth some extra exercise.
Mostly "c" - You're wise enough to eat nutritious foods while feeling no guilt over an occasional indulgence. Being so conscious of what it takes to stay healthy makes you a happy person who's less likely to ever become overweight.
It's hard to believe we are a little over two weeks away from the beginning of the 2013-2014 school year. (August 19) As time flies by don't let opportunities to make memories with your kids pass you by. Check out these 25 fun family activities to do before the end of summer. Some great thought-starters and are way easy and sound really fun!
There are many points in your life that are forever etched as a cherished memory, such as your wedding day. For parents and children alike, the father/daughter dance is unforgettable and for Rachel Wolf of Auburn, California she got to make this memory long before having an opportunity to be in her own wedding.
You see, the 25 year old woman isn't engaged or even close in planning her wedding. However time isn't on her side. Rachel's father, Dr. James Wolf, is dying of pancreatic cancer and only has a few weeks left.
Love Pandas? There's a channel for that! Internet users will be able to watch live broadcasts of giant pandas living in China next month. The "Giant Panda Channel" or ipanda.com will give users around the clock access to the cameras in the Chengdu Research Base of Giant Panda Breeding. The online television station has already attracted 15,000 users
It's Monday, so let's find out something about yourself. Did you know that the pasta you crave reveals your personality. Oh yeah, what you love to eat isn't solely determined by your taste buds. In fact, the kinds of foods you crave are directly related to what you want out of life. In particular the type of pasta you most like to sink your teeth into is a tell-tale indicator, says leading food expert Chef Joseph Bonanno.
You have a quick wit and high intelligence, and there is nothing you like better than a challenge. People in your circle look to you when they have a problem to solve. You possess superior organizational skills that you use to keep your household running smoothly while getting high marks from a demanding boss for your competence and expertise on the job.
Spaghetti and Meatballs
There's nothing you desire more than spending most your time with your family. Your job is important simply because it provides the money you need to support your loved ones. They are the center of your universe, and the strong bonds you have with your family give you the self-confidence you need to meet any challenge.
You appreciate the finer things in life, and you're willing to work hard to get them. A veteran shopper, you manage to find the most amazing bargains, and both friends and family appreciate your generosity -- you have the best taste in gifts. You also have the ability to stick to a strict budget in order to save enough cash for that special indulgence.
Macaroni and Cheese
You've never lost the wide-eyed wonder you had as a child. You thoroughly enjoy life with an infectious gusto that draws people to your side. Having fun is your top priority, and you are usually in charge of group outings and parties. Your upbeat, positive approach to life is a source of inspiration to others.
You strive to live the healthiest life possible, and you are raising your kids in your image by making sure they eat a healthful diet and get plenty of exercise. You bring the same zest to other aspects of your life, never losing sight of your goals. You're known for your tenacity and both your family and pals often turn to you when things get rough.
Happy Friday! Does your life need a little pick me up? Here are some ways to spruce it up!
1. Take stock
How now, Dow Jones? That is the question. Bank bailouts? Sub-prime mortgages? If you're not confused, you aren't paying attention. But ignorance will cost you, so make a point of reading the financial section of your newspaper every day. Lesson No. 1: If your best friend loses her job, it's a recession. If you lose yours, it's a depression.
2. Buy an item of clothing that's so not you
Leather pants, stilettos, a bikini that, if translated into Morse Code, would be two dots and a dash.
3. Switch your Swatch -- to the other wrist
"Any time you make an adjustment, no matter how small, your brain has to work a little harder," New York psychologist Arlene Kagle, Ph.D., says. "It's good mental exercise." Another noggin workout: Figure out a math problem in your head rather than on a calculator.
4. Stop apologizing already!
This is probably silly... If this isn't a good time...With those soggy preambles, you're trivializing your requests -- and yourself.
5. And while we're at it
Stop apologizing for apologizing.
6. Read one of those books your English teacher talked about
War and Peace, The Brothers Karamazov, Ulysses. This will give you a head start on a resolution for 2013: Finish War and Peace, The Brothers Karamazov, Ulysses...
7. Give something back
Got 30 seconds? Go to greatergood.com to support sites that help people, pets, and the planet -- with one click you provide books to literacy programs, food for malnourished kids, or protection for endangered forests.
8. Learn how to tell a joke
if your jokes fall flatter than Kate Moss's abs, maybe it's the way you're telling them. Eighty percent of a joke's effectiveness lies in the delivery, 20 percent in the content. "Make your tone conversational," says comedy writer Mark Simone. Don't talk too slowly; you want to sound like you're telling a joke, not reciting one. "And smile a lot," he says. "If it doesn't go over, just laugh and say, 'Well, I thought it was funny.'"
9. Renew a childhood passion
Try pottery. Perfect your Pictionary game. Take your piano skills from "Chopsticks" to Chopin.
10. Do something you hate for someone you love
Lunch with his mom, his college reunion (complete with kegger), or a movie that's long on action and short on plot.
11. Add color to your life. Buy a sweater in cerulean
Paint your living room a dramatic red. Vivid colors can boost your mood. And really, who could possibly be blue in purple?
12. Stop with the why-ning
"Why?" is a perfectly lovely question coming from a toddler, but not from you. Why am I stuck in this stupid job? Why don't I have a better boyfriend? A better question: "How?" How do I get a better job, a better guy?
13. Find a bra that fits
Because right now, we're guessing that yours doesn't (a study showed that eight out of 10 women don't know their correct bra size). To prevent cups that runneth over and underwires that dig, get a pro to measure you at your local department store. Or try the Bra Size Calculator at balicompany.com
14. Learn to say no
Put your tongue against the back of your top teeth, make an oval shape with your mouth, and let go. Feels good, no?
Done. With. The. Rain. There, I said it! I know, it's Florida and it;s summer but come on!!! I almost want to just wear my bathing suit to work since I get drenched every evening walking to my car! Perhaps a day or two break would be nice but of course weather doesn't work on my schedule! :)
OK, now for discounts that you may be missing. yep, you are potentially missing out of hundreds of dollars of savings. Kendal Perez, the creator of the Haassle-Free Savings website, says that consumers may not be aware of many discounts that cross their paths every day. Here are some that she says are commonly overlooked:
1. Receipt coupons
Don't just shove your receipts into your bags after a trip to the store. Not only should you review them to make sure you weren't overcharged, but you should also check them for coupons you can use the next time you shop.
2. Catalina coupons
Similar to receipt coupons, Catalina coupons are usually printed from a small machine at the register, Perez says. These coupons are triggered by your purchases and provide discounts on products you typically buy. Perez says she usually gets future discounts ranging from 50 cents to $2 for each receipt and Catalina coupon she receives.
3. Customer service surveys
How many times has a cashier told you that you could get a discount on your next purchase by simply going to a website or calling a phone number listed on your receipt and answering a few questions about your shopping experience? And how many times have you actually taken one of these surveys? If your answer is zero, Perez says, you're missing out on an easy resource for savings (for example, $10 off a purchase of $50 or more).
4. Mobile coupons
If you have a smart phone, you have easy access to coupons while you're shopping. Just download a free coupon app, such as Coupon Sherpa, and search for discounts at the store where you're shopping, or download grocery discounts directly to your loyalty card. Perez says she saves up to 40% on purchases using mobile coupons.
These are coupons attached to a product for immediate use. However, Perez notes that "these sticky gems do you no good if you fail to point them out to the cashier." So make sure you remove them from products and hand them to the cashier.
6. Status discounts
Seniors aren't the only ones who can get discounts. Students, teachers and military personnel are among those to whom retailers, restaurants, hotels and others offer savings of usually 10% to 20% (up to 50% for military members at some fast-food restaurants). Perez says it never hurts to ask whether discounts are available for your particular status -- just be ready to show the necessary proof to get a deal.
7. Preferred-customer offers
Some retailers offer programs that allow customers to earn rewards after spending a certain amount. It makes sense to sign up for these free programs at stores where you frequently shop. For example, Perez says she gets $10 in shoe retailer DSW Rewards occasionally, and her husband scores $10 discounts on his Dick's Sporting Goods purchases because they accrue points through preferred-customer programs.
8. Sports tickets
Check your ticket stubs, as you'll likely find coupons for local restaurants or retailers on them.
Don't be so quick to pull out and toss subscription offers in magazines. Perez says she has found coupons and free samples attached to these offers.Recycling programs. Some retailers and manufacturers offer discounts if you recycle their products. When Perez bought a box of Kashi cereal, she was prompted to sign up for Recyclebank.com and enter a code printed inside the cereal box to earn points toward product discounts. Your community must participate in the Recyclebank Home Recycling rewards program in order for you to earn points for recycling products. However, the site offers other ways for you to earn points, such as taking online quizzes about recycling.
Go out and save my KTK family! Save like the wind! :)
I am one of those who believes the next big bubble to burst is the student loan debt. Let's be honest, most of us borrowed to attend college in the hopes of landing a more financially viable job. But with the recent impasse with congress letting interest rates of student loans double and tuition continuing to increase and the confusion of how many loans, where they are and when each of them become due for payment it raises some serious questions on what happens if you default?
It is ridiculous to have so much debt in hopes of landing a better paying job. What's the point? Colleges and universities need to remember that when asking each student to pay more in order to reach the American Dream.