No one knows your hair better than you do. But is it possible that in your efforts to keep it healthy and looking good, you are washing money down the drain needlessly? Consider these mistakes many people make.
Mistake: Expensive shampoo. Come on … ‘fess up. You feel guilty using $.99 shampoo because it’s really bad for your hair. And anybody knows the $24 salon variety is so much better especially for chemically treated hair, right? Wrong! Price has nothing to do with it.
The secret to shampoo intelligence is to know your detergents. Look at the list of ingredients. Water (or some fancy name for it) will always be the first ingredient. Next comes the detergent. It’s tricky, so keep this list handy.
- Ammonium Lauryl Sulfate – very harsh
- Ammonium Laureth Sulfate – harsh
- Sodium Lauryl Sulfate (SLS) – still harsh
- Sodium Laureth Sulfate (SLES) – mild, great choice
- TEA Lauryl Sulfate – gentle, good choice
- TEA Laureth Sulfate – gentle, also a good choice Continue reading
If there’s one thing I know about myself, it’s this: I don’t work well in chaos. Recently I came to terms with my office. Specifically, my desk.
I have a fairly small desk, by design. I have just enough space for my computer and a couple of monitors. The desk has only three small drawers that are so full of clutter, I can barely coax them to open. Upgrading to a larger desk with great big drawers is not a solution for me because I know myself. Without intervention of some kind, I’d manage to load up that big desk, fill up all of those drawers and end up with an even bigger dilemma.
I think I’ve figured out why this happens. When I’m working and I need something like a pen (or perhaps the phone?), I need it now. This moment. I don’t have time to rummage through stacks of paper, books and manuscripts or these minuscule drawers to find a pen that actually works. When I can’t find what I need when I need it, it makes me want to chew my hair. Continue reading
Healthcare. It’s on everyone’s mind these days, and for good reason. Between the soaring cost of health insurance premiums, increasing co-pays and skyrocketing deductibles plus the outrageous cost of some medications—it’s enough to give you a heart attack.
But lest you think there’s nothing you can do to keep your family’s healthcare costs under control, I have good news. You can. You have the power.
The best way to cut medical costs is to prevent them in the first place. I am talking about lifestyle, small changes to save you money and improve your quality of life. Continue reading
Eggs. They’re nutritious, delicious and cheap! Cooking them properly is quite simple, provided you know the secrets.
A perfectly boiled egg has a yolk that is set all the way to the center and it is clean, beautiful yellow color with no hint of ugly green where the yolk and white meet. A perfectly boiled egg slides smoothly away from the cracked shell.
Prick the shell. Us a push-pin or needle, push it right into the large end of the uncooked egg, in about 1/4 inch, and into the egg itself. This will pierce the tiny air bubble (present in every egg) that in an un-pricked egg expands as the egg is heated and cracks the shell. This tiny hole allows an escape route for the air. Continue reading
Dear Mary: I would like to know your opinion on the American Express Pass reloadable card for teens. Debbie, California
Dear Debbie: I am opposed to any kind of plastic for kids of any age. Honestly, age 18 is about the right time to introduce credit and debit cards. Just keep in mind that plastic is a privilege for financially mature adults.
Plastic will confuse and abuse your children’s thinking processes. It will open the door to ugly attitudes of entitlement. Cash, on the other hand, works like a dream. Teach your kids how to earn, save, give and manage cash. They’ll love it and so will you.
I have written extensively about this in my book, Raising Financially Confident Kids, which also includes a fool-proof step-by-step plan that will help you to produce financially confident adults. I hope you will read it soon, before you hand your child an American Express card. Continue reading