I use "Udderly Smooth" udder cream. I've tried many the ordinary lotions, they worked to a degree. However, I live in the north east; in winter my finger tips would crack and bleed next to the nails, even using ordinary lotions. "Udderly Smooth" stopped the cracking and bleeding. The down side is a small amount of residue is left on what you handle. My computer mouse needs periodic cleaning of the white gunk.
Great idea! Your body is not just affected by what you put in it, but what you put on it! A tip to know is that coconut oil is also great for dry hair - it's been used in India for thousands of years as a leave-in-conditioner equivalent!
Thanks for the recipes, and good information about researching cosmetics. I'm getting inspired to try making my own lotions etc. to avoid all the chemicals, etc.
keep an eye out at the checkout counter for themed recipe collections. I got one recently for '5 ingredients, 15 minute' recipes and a lot of the things in there are super cheap
I am a biologist and a chemist, a PhD in both. The ammonia has such a small amount of nitrogen in it, and it has such a high evaporation rate, that very little if any of the nitrogen reaches the roots. The beer is supposed to be used for the active yeast for breaking down the mulch, but in processed beer the yeast is dead. The shampoo makes the blades of the grass shiny and does sort of act as a soil softener. The soda is just plain silly and attracts more bugs that the mouthwash would kill. Plain soap would do a much better job at killing the little aphids on your plants if you had them, the soap coats their skin and prevents them from breathing. If you want to actually 'test' this concoction, I recommend actually measuring the results. Mark out two sections of lawn one square foot each and mark them with spray paint or ribbon; put them some distance apart in equal amounts of sun/shade. Measure the of mulch in each sample - at this point - they should be the same. Next test the soil hardness by pressing down on the soil, you could use an expensive tool, or you could just see how much 'give' the soil has and how hard you have to press to make an indentation of a certain size. As far as the bugs, yes, you would have to count them. Next do your treatment on only one sample. Then remeasure each sample every five days to a week. Re-treat and then remeasure each week. If in eight weeks after two applications, the only thing you will see is that the treated sample is shiny. I recommend, taking a shower with the soap, rinsing with the mouthwash, dumping the soda (useless anyway), and drinking the beer. I have the best lawn in the neighborhood. I drink the beer while I use iron to make the lawn greener with out expediting the growth. Use Milorganite to also make it green and promote growth (all natural, comes from water treatment plants) PS: If you 'must' do this goofy mixture, put a golf ball in the sprayer to help mix while you apply.
Seriously people - think and test. Be your own judge.
Pet peeve of mine - when blogs tell you to change your own oil. It is barely cheaper to do it yourself. Coupons abound for most places that do this (pep boys, jiffy lube, sears). I paid about $55 for my last oil change (full synthetic) - the 6 quarts of synthetic oil would have cost me at least $40 to buy and probably more like $48.
Then you have to (or rather should) legally dispose of the oil - sometimes this can be as easy as dropping it off at some municipal place - but sometimes it's not free.
You also need a couple of specialized tools. (one to get the filter off, and some jack posts for your car - you really shouldn't be doing this with your car propped up on the tire changing jack...).
Also it's going to take time, and likely be dirty (at least the first couple of times).
All that to save maybe $3 on a cheap standard oil change and maybe $8 on a synthetic oil change?
Plus, generally they take a look at your car for other things (sure this is how they make money, but if they point anything out, just ask your regular, better and cheaper local mechanic about it).
I have not used a professional financial advisor in the past. I take pride in doing my own taxes, while educating myself on retirement options and investment strategies. When I do not understand something I seek out the knowledge I need via the web, IRS, books, Suze Orman, friends and family members who are money savvy, etc. I do understand my limitations however and now that my life is becoming more complex, soon I may have to employ a professional. When that day comes, I will continue to make sure I have a full understanding of where my money is and how it is working for me.
I don't have an advisor, but I'm relatively new to investing and don't have that much extra money to pay for an advisor. I'll most likely get one down the road though.
I'm living in South Sinai, Egypt at the moment and it doesn't get cool at night during the summer, still 35c + during the night, during the day we have to have the air con on, but now our daughter has developed a cough, and my husband is blaming me for having the air con on. I have very little sleep with a young child as it is, so do I have the air con on and risk an illness for any of us, or no air con at night and know that i'll have even less sleep?!!!
I'm good with all of these except for changing the oil. While it is a simple enough process, I just don't want to take the risk of a spill of the old oil, which I have heard from many people, is a matter of time before it happens.
I have skin eczema and have been advised to reduce my exposure to parabens for that reason. It is pretty amazing just how many products contain these.
One thing I've started doing is applying petroleum jelly (plain old Vaseline) to areas around my eyes, which are sensitive to outbreaks. Most lotions are not appropriate for near the eyes, but the petroleum jelly, while not a moisturizer per se, acts as a barrier to keep your natural moisture in your skin.
Stop messing with American Money... It seems to me it's gone well beyond changes for security's sake and is now just become change for change's sake. At a time when the world is losing confidence in the American greenback it seems utterly retarded to go on making the classic greenback unrecognizable.... let alone not even green!!
In the last 10 or so years our pockets' contents have become entirely unrecognizable.
And then there's the VAST amounts of U.S. tax dollars going to re-designing and re-designing our fist full of change. Enough is enough. Give me back my American greenback. I don't believe for one second all the changes were necessary for security's sake, they just let their enthusiasm and wish for control get the better of them and it's about time we stand up and demand our money back and give the world a dollar that it can trust again.... and recognize!!!
You made an excellent decision in selling your vehicle.
I once leased a brand new BMW. Wow, its true what they say, "The Ultimate Driving Machine." However, my payments with insurance and gas were high. After a year and a half I went to swapalease.com, offered $1000 incentive and got rid of the vehicle without damaging my credit. That was one of the happiest days for me; not having to pay almost a mortgage for a vehicle. From now on I only purchase vehicles cash or with my credit card; usually at local public vehicle auctions and can get the vehicles significantly cheaper. Just do a lot of research on vehicle maintenance histories etc. and you could end up with a nice vehicle and no car payments. I now on a coupe and a pickup truck that I paid cash and my insurance is very low because I only have the minimum state requirements.
AJ
I don't have one, per se, but I have a close relationship with several that I talk to every now and then. I'm an agent with New York Life, so it's not like I need to buy anything from anyone else, but I do like to bounce ideas off of my partner brokers.
I made totes out of some old t-shirts and used them to hold my pumpkins that grew up a tree and over the garage roof last year. I cut off the sleeves of the shirt and sewed across the bottom. Then I cut across the two seams at the top of the tote (where you would normally hold the tote in your hands). You'll have two ties on the left "shoulder" and two ties on the right "shoulder". I carefully put the pumpkins into the totes making sure to keep the stem attached to the vine so they'd continue to grow. Then I tied the ties to the tree. The t-shirt material was tough enough to hold the pumpkins as they grew but stretchy enough to withstand a little movement in the wind.
Also, really large ice cubes to keep drinks much colder much longer; juice (or whatever) frozen in popsicle molds; super-diluted (like, 8:1) lemonade from frozen concentrate.
That f.lux program is amazing! Within seconds of downloading it I felt my eyestrain disappear and my body begin to wind down. I knew the computer screen simulates natural light and will keep me up, but I'm in grad school and I often end up doing homework late at night; so I figured there wasn't much I could do about it.
I'm getting ready to go on vacation and found this articles useful. One of my must-haves is my Kindle. I no longer have to carry multiple books taking up space. I will carry one device that will hold as many books as I choose to read or not read ;)
I'm a huge fan of the radio apps on my iPad. I set the timer and drift off listening to BBC radio and it always does the trick. The key was finding the app with the time function.
No financial advisor at the moment, although I am not against having one in the future. I think there is great benefit in getting advice from someone who is invested in learning as much about money as possible. I think of it like hiring someone to install your kitchen cabinets, you can buy the materials and learn on your own or you can save time and frustration by hiring someone who is an expert.
I use "Udderly Smooth" udder cream. I've tried many the ordinary lotions, they worked to a degree. However, I live in the north east; in winter my finger tips would crack and bleed next to the nails, even using ordinary lotions. "Udderly Smooth" stopped the cracking and bleeding. The down side is a small amount of residue is left on what you handle. My computer mouse needs periodic cleaning of the white gunk.
Great idea! Your body is not just affected by what you put in it, but what you put on it! A tip to know is that coconut oil is also great for dry hair - it's been used in India for thousands of years as a leave-in-conditioner equivalent!
Thanks for the recipes, and good information about researching cosmetics. I'm getting inspired to try making my own lotions etc. to avoid all the chemicals, etc.
keep an eye out at the checkout counter for themed recipe collections. I got one recently for '5 ingredients, 15 minute' recipes and a lot of the things in there are super cheap
I am a biologist and a chemist, a PhD in both. The ammonia has such a small amount of nitrogen in it, and it has such a high evaporation rate, that very little if any of the nitrogen reaches the roots. The beer is supposed to be used for the active yeast for breaking down the mulch, but in processed beer the yeast is dead. The shampoo makes the blades of the grass shiny and does sort of act as a soil softener. The soda is just plain silly and attracts more bugs that the mouthwash would kill. Plain soap would do a much better job at killing the little aphids on your plants if you had them, the soap coats their skin and prevents them from breathing. If you want to actually 'test' this concoction, I recommend actually measuring the results. Mark out two sections of lawn one square foot each and mark them with spray paint or ribbon; put them some distance apart in equal amounts of sun/shade. Measure the of mulch in each sample - at this point - they should be the same. Next test the soil hardness by pressing down on the soil, you could use an expensive tool, or you could just see how much 'give' the soil has and how hard you have to press to make an indentation of a certain size. As far as the bugs, yes, you would have to count them. Next do your treatment on only one sample. Then remeasure each sample every five days to a week. Re-treat and then remeasure each week. If in eight weeks after two applications, the only thing you will see is that the treated sample is shiny. I recommend, taking a shower with the soap, rinsing with the mouthwash, dumping the soda (useless anyway), and drinking the beer. I have the best lawn in the neighborhood. I drink the beer while I use iron to make the lawn greener with out expediting the growth. Use Milorganite to also make it green and promote growth (all natural, comes from water treatment plants) PS: If you 'must' do this goofy mixture, put a golf ball in the sprayer to help mix while you apply.
Seriously people - think and test. Be your own judge.
Pet peeve of mine - when blogs tell you to change your own oil. It is barely cheaper to do it yourself. Coupons abound for most places that do this (pep boys, jiffy lube, sears). I paid about $55 for my last oil change (full synthetic) - the 6 quarts of synthetic oil would have cost me at least $40 to buy and probably more like $48.
Then you have to (or rather should) legally dispose of the oil - sometimes this can be as easy as dropping it off at some municipal place - but sometimes it's not free.
You also need a couple of specialized tools. (one to get the filter off, and some jack posts for your car - you really shouldn't be doing this with your car propped up on the tire changing jack...).
Also it's going to take time, and likely be dirty (at least the first couple of times).
All that to save maybe $3 on a cheap standard oil change and maybe $8 on a synthetic oil change?
Plus, generally they take a look at your car for other things (sure this is how they make money, but if they point anything out, just ask your regular, better and cheaper local mechanic about it).
I have not used a professional financial advisor in the past. I take pride in doing my own taxes, while educating myself on retirement options and investment strategies. When I do not understand something I seek out the knowledge I need via the web, IRS, books, Suze Orman, friends and family members who are money savvy, etc. I do understand my limitations however and now that my life is becoming more complex, soon I may have to employ a professional. When that day comes, I will continue to make sure I have a full understanding of where my money is and how it is working for me.
I don't have an advisor, but I'm relatively new to investing and don't have that much extra money to pay for an advisor. I'll most likely get one down the road though.
I'm living in South Sinai, Egypt at the moment and it doesn't get cool at night during the summer, still 35c + during the night, during the day we have to have the air con on, but now our daughter has developed a cough, and my husband is blaming me for having the air con on. I have very little sleep with a young child as it is, so do I have the air con on and risk an illness for any of us, or no air con at night and know that i'll have even less sleep?!!!
I'm good with all of these except for changing the oil. While it is a simple enough process, I just don't want to take the risk of a spill of the old oil, which I have heard from many people, is a matter of time before it happens.
I have skin eczema and have been advised to reduce my exposure to parabens for that reason. It is pretty amazing just how many products contain these.
One thing I've started doing is applying petroleum jelly (plain old Vaseline) to areas around my eyes, which are sensitive to outbreaks. Most lotions are not appropriate for near the eyes, but the petroleum jelly, while not a moisturizer per se, acts as a barrier to keep your natural moisture in your skin.
Stop messing with American Money... It seems to me it's gone well beyond changes for security's sake and is now just become change for change's sake. At a time when the world is losing confidence in the American greenback it seems utterly retarded to go on making the classic greenback unrecognizable.... let alone not even green!!
In the last 10 or so years our pockets' contents have become entirely unrecognizable.
And then there's the VAST amounts of U.S. tax dollars going to re-designing and re-designing our fist full of change. Enough is enough. Give me back my American greenback. I don't believe for one second all the changes were necessary for security's sake, they just let their enthusiasm and wish for control get the better of them and it's about time we stand up and demand our money back and give the world a dollar that it can trust again.... and recognize!!!
You made an excellent decision in selling your vehicle.
I once leased a brand new BMW. Wow, its true what they say, "The Ultimate Driving Machine." However, my payments with insurance and gas were high. After a year and a half I went to swapalease.com, offered $1000 incentive and got rid of the vehicle without damaging my credit. That was one of the happiest days for me; not having to pay almost a mortgage for a vehicle. From now on I only purchase vehicles cash or with my credit card; usually at local public vehicle auctions and can get the vehicles significantly cheaper. Just do a lot of research on vehicle maintenance histories etc. and you could end up with a nice vehicle and no car payments. I now on a coupe and a pickup truck that I paid cash and my insurance is very low because I only have the minimum state requirements.
AJ
I don't have one, per se, but I have a close relationship with several that I talk to every now and then. I'm an agent with New York Life, so it's not like I need to buy anything from anyone else, but I do like to bounce ideas off of my partner brokers.
I made totes out of some old t-shirts and used them to hold my pumpkins that grew up a tree and over the garage roof last year. I cut off the sleeves of the shirt and sewed across the bottom. Then I cut across the two seams at the top of the tote (where you would normally hold the tote in your hands). You'll have two ties on the left "shoulder" and two ties on the right "shoulder". I carefully put the pumpkins into the totes making sure to keep the stem attached to the vine so they'd continue to grow. Then I tied the ties to the tree. The t-shirt material was tough enough to hold the pumpkins as they grew but stretchy enough to withstand a little movement in the wind.
Funny, one of my professors, Paul Lacey at Earlham, gave similar advice . . .
Also, really large ice cubes to keep drinks much colder much longer; juice (or whatever) frozen in popsicle molds; super-diluted (like, 8:1) lemonade from frozen concentrate.
That f.lux program is amazing! Within seconds of downloading it I felt my eyestrain disappear and my body begin to wind down. I knew the computer screen simulates natural light and will keep me up, but I'm in grad school and I often end up doing homework late at night; so I figured there wasn't much I could do about it.
No I don't have a financial adviser. I could probably use one!
this doesn't work in australia :(
Do financial blogs count? : S
I'm getting ready to go on vacation and found this articles useful. One of my must-haves is my Kindle. I no longer have to carry multiple books taking up space. I will carry one device that will hold as many books as I choose to read or not read ;)
I'm a huge fan of the radio apps on my iPad. I set the timer and drift off listening to BBC radio and it always does the trick. The key was finding the app with the time function.
No financial advisor at the moment, although I am not against having one in the future. I think there is great benefit in getting advice from someone who is invested in learning as much about money as possible. I think of it like hiring someone to install your kitchen cabinets, you can buy the materials and learn on your own or you can save time and frustration by hiring someone who is an expert.
I don't have a financial advisor. I've debated over getting one a few times but I always convince myself it's not worth the money.