Wednesday, November 3, 2021

Quick and Dirty Tips

Quick and Dirty Tips


10 Crucial Money Rules Couples Should Follow

Posted: 03 Nov 2021 12:10 AM PDT

Being a new couple includes many "firsts," including managing money together or even buying a home. From deciding whether to open a joint bank account or knowing if you should cosign a mortgage, these critical life events can make or break your romance. This post will cover ten money rules every first-time couple should follow. 

10 money rules every first-time couple should follow

  1. Manage money together only when your relationship is long-term.
  2. Know your financial history. 
  3. Create financial goals together.
  4. Set a joint spending plan.
  5. Communicate about money regularly.
  6. Understand the risks of cosigning debt.
  7. Be clear about the pros and cons of buying a home.
  8. Use good financial tools.
  9. Know the spousal IRA rules.
  10. Get help from a financial professional when needed.

Following these tips will set you and your partner up for a successful financial future. 

1. Manage money together only when your relationship is long-term

In general, I recommend managing money as a couple. However, I don't recommend it unless you're 100% committed and plan on staying together forever. That's because if you break up, unraveling your financial lives can be complicated.

For example, having a joint bank account means that both parties own it and can access the funds. You and your partner can spend or withdraw any...

Keep reading on Quick and Dirty Tips

Can the Food Compass Point You in the Right Direction?

Posted: 02 Nov 2021 05:10 PM PDT

There's been a lot of buzz in the food and nutrition industry this month over a newly released food scoring system developed by researchers at Tufts University, called the Food Compass.

We've seen scoring systems like this come and go in the past. Perhaps you remember seeing star-ratings or stop-light colors attached to shelves in grocery stores. The goal of these systems is to give consumers a quick and easy way to assess the healthfulness of foods. 

Of course, simplicity always comes with a cost. Food is complex stuff and the ways in which it affects our bodies are even more complex. Trying to reduce these impacts to a simple score is always going to end up being, well, reductionist. In any event, I'm not sure that these scoring systems have ever made a lasting impact on buying behavior.

Pros and cons of nutrient scoring systems

How is the Food Compass Score calculated?

According to the developers, the Food Compass Score improves on these past systems in several important ways. It incorporates a broader range of food principles, applying consistent criteria across multiple food categories, andunlike some other systemsthe methodology used to produce the ratings is completely transparent.

The algorithm assesses foods in 9 different areasincluding the nutrient content, nutrient ratios (such as the ratio of fiber to carbohydrate or potassium to sodium), the degree of processing, quality of ingredients, and additivesand produces a score between 1 (least healthy) and 100 (most healthy).

How to use the Food Compass 

Foods that are ranked 70 and higher are encouraged. Foods with a score between 30 and 70 are OK if eaten in moderation. Foods scoring lower than 30 are supposed to minimized.

They rated some 8,000 foods, including everything from fresh eggs to ready-to-eat breakfast cereals to snacks to fully prepared frozen meals. 

Critics have been quick to point out ratings that would seem to throw the validity of this system into question. For example, a nonfat cappuccino rates a 73 (encouraged!) while a grilled skinless chicken breast rates only a 61 (don't eat too often!).

Watermelon scores a perfect 100 while cheddar cheese is a to-be-minimized 28. Cheerios are a 95 but corn flakes rate only 19. Despite the fact that the degree of processing is heavily weighted in the system, sweet potato chips and cooked whole-grain bulgur both have the same rating (69).

Looking a little...

Keep reading on Quick and Dirty Tips

8 Tips to Keep Your Home Clean Longer

Posted: 02 Nov 2021 07:00 AM PDT

You just spent hours cleaning your home. You scrubbed. You vacuumed. You got down on your hands and knees, and you stood on step stools. Everything is sparkling clean … so long as nobody moves. There are few things more frustrating than seeing your house get dirty immediately after you clean it. Luckily there are some tricks that you can use in your home to keep your home cleaner longer.

Remove your shoes

The first tip to keeping your house clean longer is to always remove your shoes outside. Our shoes often carry lots of dirt, dust, and other unwanted items on them. If you wear them in your house, they are going to leave traces of that icky stuff on your floors. Even if your shoes seem clean, it's always good to get into a habit of removing them as soon as you get into your home.

If you have kids, this tip is especially important. I used to run a daycare, and was constantly amazed at the amount of sand, dirt, and rocks that came out of kids' shoes when they took them off. How they didn't feel all that stuff in their shoes was a wonder, but it did teach me that you can never trust a kid's shoe in your house. Teach your kids to remove their shoes before, or right when they enter the house, and you'll at least keep the bulk of the outdoors out of your house.

Change your air filters

I'll be honest, I didn't know the importance of air filters until I married my husband. At that time, I had never owned a house, and figured the maintenance of my apartments was the responsibility of the apartment complex. Then we bought a house together, and he started educating me on all the things you get to do as a homeowner. Changing air filters on a regular basis was one of those things.

Those papery air filters may not seem like they do a lot, but they get a lot of the dust and dirt out of the air. They are placed in the vents where the air is being pulled, so the air goes through, and the filter catches all the stuff from the air. If the filters are dirty, that means that less air can get pulled through, and less dust can get trapped in the filter. If your house gets dusty soon after you clean it, your air filters may be too full to do their job. Change them out once a month, and they will help collect a lot of the dust that would otherwise be settling on your furniture.

Groom your pets

If you have pets, your house is almost certainly going to get dirtier than a house without pets. When the animals go outside, or even crawl under furniture, they are collecting dirt and dust in their fur. Then, when they hang out in the house, the dirt and dust starts to fall off them all over the house. Combine that with normal pet shedding, and you have a recipe for a very dirty home....

Keep reading on Quick and Dirty Tips

"Entertaining Race": An Audiobook Excerpt by Michael Eric Dyson

Posted: 02 Nov 2021 06:00 AM PDT

For more than thirty years, Michael Eric Dyson has played a prominent role in the nation as a public intellectual, university professor, cultural critic, social activist and ordained Baptist minister. He has presented a rich and resourceful set of ideas about American history and culture. Now for the first time he brings together the various components of his multihued identity and eclectic pursuits.

Entertaining Race is a testament to Dyson's consistent celebration of the outsized impact of African American culture and politics on this country. Black people were forced to entertain white people in slavery, have been forced to entertain the idea of race from the start, and must find entertaining ways to make race an object of national conversation. Dyson's career embodies these and other ways of performing Blackness, and in these pages, ranging from 1991 to the present, he entertains race with his pen, voice and body, and occasionally, alongside luminaries like Cornel West, David Blight, Ibram X. Kendi, Master P, MC Lyte, Ta-Nehisi Coates, Alicia Garza, John McWhorter, and Jordan Peterson.

Most of this work will be new to readers, a fresh light for many of his long-time fans and an inspiring introduction for newcomers. Entertaining Race offers a compelling vision from the mind and heart of one of America's most important and enduring voices.

This excerpt was provided by Macmillan Audio. 

Keep reading on Quick and Dirty Tips

No comments:

Post a Comment

guest post needed

Hi I hope you're doing well. I'm reaching out to discuss the possibility of publishing articles on your website. Along with guest ...