Tuesday, October 27, 2015

Curb Your (Spending) Enthusiasm

With consumer debt topping a record $3.47 trillion, we can all use practical advise for reigning in spending. It begins with understanding that we derive more happiness from relationships and experiences than from "stuff," Pamela says. Here are her 7 tips to combat the games advertisers – and our minds – play on us (especially during the holidays), from her financial literacy curriculum, Your Money Revolution:
  1. Get Clear About Wants vs. Needs – Advertisers would have us believe that we "need" lots of things, from the latest techno-gadget to that trendy new shoe. They tell us that we're not sexy/successful/cool without what they're selling. What do we really need? Stop and think about it and get clarity for yourself.
  2. Break the Spell to Curb Impulse Spending – An easy trick will help you curb that impulse. Next time you feel the urge to buy something you hadn't planned to buy, simply clench your fist or flex your bicep. Voila! The spell is broken and you can actually think clearly again."
  3. Wrap Your Charge Cards – Instead of leaving your credit cards at home, try Pamela's trick of wrapping a picture or note that represents a financial goal around your cards. This helps you to decide whether or not what you are about to purchase is more important than your goal.
  4. Distinguish Your Big Happy vs. Little Happy – The Big Happy for most of us is having memorable experiences and being with the people we love. That other stuff we chase? That's usually Little Happy – fleeting and not very fulfilling.
  5. Be Consistently, Consciously Grateful – Studies show consciously practicing gratitude, such as writing a daily journal of what we are grateful for – has beneficial effects on our health, relationships, emotional wellbeing, and career. But did you know it could also make you a more strategic spender? "When we practice gratitude, we feel 'wealthier' and more prosperous in all ways. Because of this, we're less likely to crave material goods to feed an emotional need. And, studies have shown that having a grateful attitude actually enhances our ability to make good decisions."
  6. Create Value Comparisons – A sneaky marketing trick is to emphasize extremely high-priced goods so merely expensive ones seem like a good deal in comparison. Instead, Pamela recommends setting up your own value comparisons. "Put a price tag on some things you really enjoy and value: A simple date night out with your partner might be $100. Family pizza night might be $55 or taking your elderly aunt to the movies might cost $35. Compared to those things, does that $100 bottle of wine seem like such a bargain?"
  7. Know Your Spending Triggers – "Do you feel driven to buy extravagant gifts as soon as the mall's Santa shows up? When you have a rough day at work, do you crave some retail therapy to feel better? Are you triggered to overspend in a bookstore, hardware store, or swap meet? Know thyself – and especially know your triggers so you can outwit them!"
About Pamela: Pamela Yellen is a financial investigator and the author of two New York Times best-selling books, including her latest, The Bank on Yourself Revolution: Fire Your Banker, Bypass Wall Street, and Take Control of Your Own Financial Future. Pamela investigated more than 450 financial strategies seeking an alternative to the risk and volatility of stocks and other investments, which led her to a time-tested, predictable method of growing wealth now used by more than 500,000 Americans. See www.BankOnYourself.com.

Thursday, October 22, 2015

Top 10 List of Marvel Characters That Deserve a Movie

Top 10 List of Marvel characters that deserve a movie brought to you by www.morphsuits.com

Monday, October 19, 2015

DIY Last Second Halloween Costumes

By Aryanna LaMarco

Let’s start with animated characters!

Agnes from Despicable Me
Difficulty level:  Beginner

You’ll need:
  • Yellow shirt (Preferably with yellow and black horizontal stripes)
  • Denim overalls
  • A hair elastic
  • White Sneakers
Put the hair up in a really awkward high and spiky position on your head. Grab a stuffed animal unicorn for bonus and you’re good!

Vanellope from Wreck it Ralph
Difficulty level: Easy

You’ll Need:
  • Teal sweatshirt
  • Brown Skirt (preferably pleated or crimped)
  • Teal leggings (preferably striped)
  • Black boots (preferably rain boots)
  • Berets
  • red scrunchie
Put your hair in a high pony. Take a comb or a brush and brush out two sidepieces like the picture above, and then just put a lot of berets in it and go get some candy!

Tina from Bob’s Burgers:
Difficulty level: Easy

You’ll Need:
  • A sky blue tee shirt
  • A navy blue skirt
  • white socks with one red stripe
  • black Converses or Airwalks
  • a pale yellow beret
  • Nerd glasses
Just stick the beret in your hair like you have no clue what you are doing.

Now let’s make some puns for the jokers!

Identity Thief
Difficulty level: Easy

You’ll Need:
  • Preferably black clothing
  • Black beanie (Optional)
  • Name tags
Write random names on the name tags and put them on your clothing. 

Difficulty level: Easy

You’ll need:
  • Nickels
  • Clothing adhesive
Stick nickels using clothing adhesive onto the back of your shirt and you're done.

When Life gives you lemons
Difficulty level: Easy

You’ll need:
  • A Life tee shirt
  • Lemons
First take a minute to admire this guy's genius. Now give out lemons to people on Halloween!

Animal Costumes!

Difficulty level: Average
  • Birthday hat
  • Long colored wig (Optional)
  • White dress
  • Pink tights
  • Leg warmers
So for the leg warmers if you can’t find them anywhere, or they’re too expensive, you can cut sleeves off of an old sweater, and they will look just like leg warmers. Next get the birthday hat and paint it white, and put glitter on it before the paint dries. Add some colorful sparkly eyeshadow, and You’re done!

Difficulty: Average

You’ll need:
  • Nerd glasses
  • Feathers
  • Orange paper
  • glue
  • clothing that matches the glasses get creative!
Glue three feathers to each top corner of the glasses. Take the paper and cut a long triangle. Fold it vertically and glue to the nose bridge of the glasses.

Now let’s try some Iconic Ads and TV Characters!

Rosie the Riveter
Difficulty level: easy

You’ll need:
  • Red bandanna with white polka dots
  • Navy blue polo
  • red lipstick
Take one side of your head and bobby pin it back, doing the same thing to the other side, leaving the top portion of your head alone for now. Now take the top portion and twist it, making a poof, and pin it down. Take the bandanna and tie it around your head, and you're done! Remember, “you can do it!”

Bob Ross (Artist)
Difficulty: Extremely Easy
You’ll need:
  • Afro
  • White colored shirt
  • paint palette
  • Paint brush

Other components for multiple costumes!

DIY Tutu from tulle
You’ll Need:
  • Tulle  (3 or more colors)
  • Elastic band roll
  • Sewing needle (optional)
  • Sticky Velcro (If not sewing only)

No sew instructions: Take the tulle and cut it into equal size 3-inch strips. Take each strip and tie it with the elastic band in a color pattern in which you prefer. Once the elastic band has tulle all over it and is long enough to go around your waist,  place  a square of Velcro on the end of each side of the elastic band so you can easily put on the tutu. Lastly grab scissors and cut to the proper length, and make the tulle even, or high-low. And then you're done and you can be a unicorn, snow fairy, whatever you want.  

Tuesday, October 13, 2015

Best and Worst Halloween Candy and Ways to Keep Teeth Safe

Halloween is fast approaching and that means time for trick-or-treating and lots of candy. But that yummy candy can bring about all kinds of problems for our teeth - everything from tooth decay to eroding enamel.

Dr. Susan Maples, author of Blabber Mouth! 77 Secrets Only Your Mouth Can Tell You To Live a Healthier, Happier, Sexier Life, who has been named one of the top eight innovators in U.S. dentistry, says if you do it right, Halloween can still be lots of fun without causing all kinds of dental problems.

“This is indeed the holiday that makes dentists cringe because of all the sugar, high acidity levels and gooey-ness found in most candy.” Dr. Maples says. “But like most things, moderation and making smart choices is the difference between a good time and tooth decay.”

Dr. Maples’ tips:

-          Avoid sticky or chewy treats: Tootsie Rolls, laughy taffy, gummy worms and caramel-filled candies are treats no parent should give out and that no child should eat even in small quantities on Halloween or anytime of the year. They become easily lodged in the groves on the biting surfaces of teeth and are hard to remove which leads to tooth decay.

-          Avoid sour candy: Here’s a wakeup call: Some candies’ pH levels are close to those of a car’s battery. The acidity in one piece of sour candy is enough to potentially start the tooth erosion process. Add that touch of sourness to a hard or chewy candy that can get stuck in the grooves in your teeth, and before you know it tooth enamel starts to disappear.  

-          Find alternatives to candy: Halloween can still be plenty of fun without the dangers of tooth decay. Instead of candy, consider giving out something non-edible such as pens, pencils or other school supplies.  Or maybe a bottle of bubbles, bottle of water, a toothbrush, floss aids, coloring books, rubber balls or other small inexpensive toys.

-          Two best candies: If you must handout candy, the first best option is sugar-free gum that is naturally sweetened with xylitol that won’t attract bacteria and plaque in the mouth and may actually help prevent cavities.  The next best choice is a non-sugary treat such as peanuts or popcorn.

-          Eat Halloween treats only after a meal and in small quantities: Many kids fill up on the overwhelming quantity of candy, leaving their bodies to run on sugar and empty calories. A burst of artificial energy is followed by fatigue and sluggishness. Always eat a balanced meal before indulging in candy.  Remember: only small quantities of candy at a time because a little piece of candy packs a lot more sugar than you realize. And when you eat it frequently it really boosts your cavity proneness.

-          Drink more water: If you do consume a lot of candy on Halloween, drink water with fluoride to help prevent cavities from forming. The additional water swishing through your mouth might help remove some sticky substances that stick to your teeth.

-          Use this time to teach healthy dental habits: Halloween is the best time to teach your kids healthy oral homecare habits. After they’ve eaten some candy, show them the right way to brush their teeth and floss. Let them know that good oral care is something that must be maintained on Halloween and all year long.