"Crayon Stain Removal" Step by Step To Clean Fabrics, Furniture and Wallpaper

CRAYON REMOVAL

Fabrics:

Place the article of clothing with your childs beautiful art work between paper towels.
Press it with a warm iron.

Repeat this process with a new paper towel.

Then clean with dry-cleaning solvent.

Wallpaper:

Put a commercial spot remover on the surface.

Let it dry.

Then simply brush the crayon off.

Wood Furniture, Furniture Fabrics, Floors, Carpet:

Spray on shaving cream.

Then wipe off your childrens handy work with a paper towel.

More Stain Removal Tips

"Chocolate and Fabric" Stain Removal For An Unfortunate White Shirt Accident

Chocolate has been an enemy of mine for years. Having a toddler who can't seem to eat any kind of chocolate without spilling it on her, has reaffirmed my frustration with chocolate. I let my husband know that under no terms was our little girl to have chocolate while she had clothes on ever again. Or at least until I found the secret to chocolate stain removal from fabric. Well guess what? I found it. It is very simple!

For cotton, linen, olefin, nylon, ramie, acrylic, polyester fabric:

Flush with club soda!
For tough stains: Sponge with liquid hand soap and ammonia and then throw it in the washer.


For wool, silk, acetate, suede, leather, rayon fabric:

Blot or scrape excess off of fabric.
Flush with club soda.
Apply dry-cleaning solvent.
Launder.


For furniture and carpet:

Apply solution of dish washing liquid and hot water to the area.
Wipe stain with suds.
Rinse.


So add a bottle of club soda to the cabinet in your laundry room if you intend on eating chocolate and indulge knowing your white shirt can be cleaned if an unfortunate accident were to occur.

"Identity Theft": 3 Shopping Survival Tips

I am often amazed at the carefree attitude the majority of shoppers have with their personal information when they are making purchases, wandering about the malls, or seeking financing for that new 60" plasma screen TV.

By the time you finish reading this article you will be adopting safer, more 'attentive' habits while shopping.

First, how many of you reading this have your Social Security Card in your purse or wallet right now? Stop reading, go get your wallet or purse and take your card out of there. Place it in a secure place within your home. Ideally in a home safe that is fireproof, and waterproof. There is no reason to have your SSC on you at all times.

Many employees at stores are robotic and ask for this information, because that is what they were trained to do. Yet, the store or company has no need for this information. You have the right to ask, "Why do you need my social?" Unless it is your bank, broker, financial institution you initiated a relationship with, a potential lender, or your employer. You are not required to give them your Social Security Number. Some companies will act like they are entitled to obtain this information. Other companies will not do business with you if you do not give them your SSN. Weigh your options as to whether you wish to do business with such a company. If you must do business with a company like this, request to be provided with a copy of their privacy policy. That request will sometimes back them down.

Your SSN is the 'Holy Grail' of who you are. Since it is a commonly accepted statistic that 11 people are already using your SSN. Don't carry it with you If you were to loose your wallet or purse the number of people using your SSN could easily surpass 20-30. Let someone else take the risk, leave your card at home locked up.

Here is a bonus tip for you: Your medical insurance card may have your SSN as the policy number. If that is the case then take that card out of your wallet also. Even if something was to happen and you need to go to the hospital, insurance information can be verified at another time. This might pose a hassle, but since you are reading this, I am assuming you want to improve your personal information security.

Next, have you noticed anyone standing close to you in line at the checkout? I mean really close like 'they want to get to know you'. In actuality, they may be trying to get to know you. They could be surfing you (aka shoulder surfing). What this term means is that they are surfing 'looking' over your shoulder. This can be more common than you think. The person 'talking on their phone' can actually be snapping a picture, with that phone. Their target is your credit card or check while you have them out for your purchase. To combat this simply keep those valuable items covered as much as possible during the purchase process. When using a keypad for your purchases use your free hand to cover the numbers as you enter your PIN. If it fits your personality, ask them to step back while you make your purchase. Let them know you want to have some privacy during the transaction, because you are alert to the risks of Identity Theft. Be very weary of people like this.

Since we are talking the point of purchase here let's go to the internet point of purchase. Internet shopping is one of the first places people think of in terms of vulnerability. But, shopping online can be safe. If, you are smart about your activities. When on an e-commerce site look around for security measures before looking for specific products. Quality shopping sites will have obvious security measures in place. Look for icons like VeriSign Certified with the 'checkmark’ or the TRUSTe logo as a first indication of site security. Just because you don’t see these logo icon doesn’t mean the site is not secure. Once you pick your merchandise and head to the checkout, does your browser address bar turn yellow? This is an indicator that the page you are viewing is a secure page. Another thing to look for or may be present is a padlock that is locked. This signifies a secure page as well. These are just a few things that you can look for in your internet shopping adventures. There are many more. But, this will get you thinking on the right path.

When shopping online, you should have one credit card designated for this use only. Reason being, it is much easier to scrutinize every charge on that card and dispute any charge that is not recognized. Explore the possibilities of a pre-paid credit card for online use. The amount a thief could get is limited to what you have on the card. Only recharge the card for purchases you know you are going to make.

In closing, this is a good time to remind you that you have 60 days to dispute unauthorized activity for your 'REAL' credit cards. If you use a debit card, even with the Visa logo, you have 2 business days to dispute those charges. Beyond those timeframes you could be held liable for the charges.

Be aware of your surroundings. Be aware of your risks. Be empowered.

About the Author
Mark A Priganc, Certified Identity Theft Risk Management Specialist (CITRMS). Mark is the author of Identity Theft: The Personal Guide! Mark has consulted with several federal agencies on Identity Theft, state legislatures, and lawyers on cases. What Mark writes on this crime is the cold hard reality, not conjecture or fictitious sugar coating. Click Here to Buy My Book!

Maximizing The Potentials Of A "Low Apr Credit Card"

Indeed, if a credit card is used properly, it can be the most powerful financial tool. But not everybody can afford all the expensive rates of most credit card issuers offer. This is where the low APR credit card ushers in—to help people who plan to maintain a balance on their account and not to pay the full amount monthly. But, what does APR stands for in a low APR credit card?

Basically, APR is the cost of credit as a yearly interest rate. APR stands for “Annual Percentage Rate” of charge can be used to compare different credit and loan offers. The APR on credit cards is usually calculated monthly based on the current amount in the card. The monthly interest is calculated as if the current card balance would remain the same over a year; the interest on the amount over a year (APR) is worked out and divided by 12 to give the monthly interest. It is a must that all lenders tell the client what their APR is before signing any agreement.

Although the arrangements and terms may vary from lender to another, it is better for people to avail a low APR credit card because the lower the APR, the better the deal for them to spend more money in shopping around.

Why choose a low APR credit card?

Low APR credit card is a good choice for those people who are into a tighter financial budgeting. Being the most important attribute of a credit card, APR determines the significant balance over a longer period of time.
In a low APR credit card, the amount of interest one must pay on his or her credit card balance depends on its APR because the lower the APR is, the better it is him or her because it means they have to pay less interest. APRs in a low APR credit card can either be “fixed” or “variable.”

If you are planning to have a low APR credit card, there are so many cards that offer low APRs that can be found online. These low APR credit cards are chosen using a factoring scheme that organized these cards by computing a number of their attributes to place the best deals at the top.

Some of the questions one have to ask when looking for a low APR credit card includes the charges—if they vary or a fixed rate; and if these charges are variable because it might affect the repayments and if these rate are fixed or will it stay the same. Searching for a low APR credit card may also include inquiries on the possibility of any charges that are not included in the APR like optional payment protection insurance or an annual charge. If there are any, make sure that you understand what they are and when do you have to pay them. Lastly, looking for a low APR credit card should include questions on the conditions of the credit and how would these conditions suit you.

If you are now seeking for a low Apr credit card you may begin looking for a scheme that could help you save hundreds in interest with a low interest credit card and low cost processing.

Most low APR credit card offers 0% APR for the first months on purchases, cash advances, and balance transfers. Through these, low APR credit card can warn rebates towards any item purchased. They also offer $0 liability on unauthorized purchases, and no annual fees.

Some low Apr Credit Card that have very good intro rate for purchases is recommended for those who would want to avail one. They also offer good deals if one carry high balances on other cards and need to transfer the balance.

Indeed, having a credit card can be useful and convenient, and can even help build a strong credit history that will help you with future activities like home-buying, paying for higher education, and even finding a job. But, before you apply for a card, consider the advantages and disadvantages especially with the current financial situation you are in.

About the Author
Simon is a financial adviser that specializes in the credit card markets for more info click here http://creditsnote.com

"Window Security Systems for Your Home" Less Expensive But Effective So You Can Keep Your Family Safe

As we are all aware there are people love to break into our homes. These people will use whatever entrance method that they can – that of broken windows, smashed through door panels. These are their usual ways of entering our homes. Now to make sure that this does not occur you can use some type of window security. These measures don’t have to be very expensive but they must be effective.

You will need to decide what type of window security that you want installed and what windows are at the most risk. Once you have thought this part of your security measures through you will need to investigate the various window security products that you can buy. This way you can make an informed choice about the type of security that you are going to have.

You can ask your friends if they have any window security system for their homes and what would they recommend for you. Now as this suggestion may not work if they don’t have any type of window security, you can always fall back on the other alternatives. Which in this case are the internet and the stores where you can buy your security supplies.

From the internet you will be able to see the various types of window security products that are available. From this investigation you can find out the price of these products and how they have been designed. You can also see what the other accessories are that may become needed to make your window security even safer. This means that you will need to see more than one product and find out how it works.

Once you have found the various facts that detail the way window security works you can make your choice range smaller. The amount of money that you can pay for window security will also play a part in the choice that you make. Therefore you will need to look at the different window security products and ask questions from the sales assistants about the way that they need to be installed and what sort of security they will provide for you.

When you have made your final choice you will have to see about the best way to transport this window security to your home. The next step is the installation process which may need to have a professional from the store fix the window security for you. Once this installation had been accomplished you can test the various security measures to see if they are working properly. You are then ready for whatever trouble comes your way.

Muna wa Wanjiru is a web administrator and has been researching and reporting on internet marketing for years. For more information on window security, visit his site at window securityI Will Highly Appreciate Your Views About window security On My Blog Here window security

CHLI CHEESE CORNBREAD "RECIPES INEXPENSIVE, QUICK AND EASY"

CHILI CHEESE CORNBREAD


Ingredients:

2 cans chili w/beans
Cheese (shredded or sliced)
1 box Jiffy cornbread mix
1 egg
1/3 c. milk

Directions:

Spread chili in a greased 8x11 dish. Top with cheese. Stir milk and egg into cornbread mix and spread on top. Bake at 375 degrees or until golden brown and cornbread is done.

TRY THIS GREAT INEXPENSIVE AND EASY RECIPE! YOUR KIDS WILL LOVE IT!

Several Ways You Can "Make Money Online and Save Money"

Internet has seen a tremendous development in the past few years. It has gained tremendous popularity among people and almost everyone uses Internet on regular basis. For many people, it has become a part of life as Internet can be used for several purposes. It can be used to communicate with people located at distant locations, to send files, to conduct conferences, to find information and you'll be amazed to know that it can even be used to make money.

Internet can be used effectively for making money as it's full of money making opportunities. There are a number of ways by which you can make money on Internet while enjoying the comforts of your home. However, setting up a website is required in most of the cases. A quality website can make a lot of money and it mainly depends on how effectively you monetize it.

There are a number of ad networks that can be used for placing ads on the website and you'll earn some money when someone clicks the ad. If your site gets popular and you start getting a lot of visitors then your revenue will increase sharply. Again, the basic thing required is setting up a quality website.

Google Adsense, Bidvertiser, Chitika, Clicksor are some of the Pay-Per-Click (PPC) ad networks that allow you to place their ads on your site. However, making money is not restricted to the PPC ad networks as you can make significant amount of money by selling links. People buy links on websites in order to promote their websites. One should keep in mind that there are already so many websites and more and more are being launched regularly so a website needs to stand out from the crowd in order to generate considerable amount of revenue. Sometimes, people even buy ad space on established websites so as to promote their products.

Apart from the ad networks and selling ad space, an individual can also make significant amount of money by building quality blogs. Once you have an established blog, you can make money by selling blog posts. An individual purchases a blog post in order to promote his own site. Links and advertisement space can also be sold on the blogs. Again, your blog needs to be an established one in order to make significant amount of money.

There are a number of sites that allow advertisers to purchase blog posts on publisher's blogs and a publisher needs to pay small amount of money to these websites as their commission. There are also a number of discussion forums that offer a marketplace where advertisers can purchase links directly from the publishers.

In addition to the pay-per-click networks, there are a number of ad networks that pay a fixed amount of money per fixed amount of traffic. A website with consistent and huge traffic can easily make good amount of money by using these ad networks. You can also make money online by selling products. In order to sell products, you need to sign up for an affiliate account and once your application is accepted, you are allowed to sell the products from your site.

The best thing is you don't need to ship the product yourself as people visiting your site purchase products from the vendor and in return, you get good amount of commission from the vendor. Selling products makes significant amount of money but you need to have an established site. At the end, there are a number of ways to make money online and a number of people make considerable amount of money online. However, it can take some time to see the results but it's possible to make money online.

About the Author
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"Simple Anytime Recipes" Dinner Your Family Will Love You For

Simple Recipes Your Family Will Love
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Looking for simple and easy to prepare recipes that not only taste awesome but give the perception that you spent a lot of thought and effort creating the dish? Here are numouers dishes that are very easy, but extremely delicious.

Oriental Stir Fry
One of the simplest recipes that are incredibly satisfying is Oriental stir fry. You can make an Oriental stir fry with chicken, pork, beef or without any meat. Using one simple frying pan or wok, a variety of vegetables (fresh, canned or frozen), some stir fry sauces and a side of rice- you’ve got a great supper.

Oriental Chicken Stir Fry
Ingredients:
1 pound of chicken breast (cut into cubes or strips)
2 cans of oriental style vegetables (usually includes water chestnuts, green beans, broccoli, baby corn, carrots, etc)
4 to 8 ounces of stir fry sauce (sweet or salty your choice)
4 servings of rice
Olive Oil

Directions:
Cook boil in bag rice on the side as directed. In an oiled frying pan or wok add cut chicken, cook moderately and then mix in vegetables. Stir frequently with a wooden spoon adding a few spoonfuls of sauce every few minutes. Stir fry for about 10 minutes or until cooked completely through. Serve on a bed of rice.


Maple Ham Steak
Ham steak is incredibly easy to make and for many families an awesome meal. You can buy individually cut ham steaks sold in many grocery stores. Or if you prefer, you can buy a big ham and slice it into ½ to ¾ inch thick steaks.

Ingredients:
4 Ham Steaks
4 ounces of brown sugar
8 ounces of maple syrup
4 Yams (sweet potatoes (fresh or canned)

Directions:
Rub 1 ounce of brown sugar into the ham and set it in an oven for about 25 to 30 minutes at 400 to 425 degrees F. (or as directed). A few minutes before the ham steak is complete, you can drizzle some maple syrup on top of the ham steak or cautiously warm the syrup in a microwave and serve as desired. Ham steaks go great with yams (sweet potatoes). You can cook them in an oven with your ham steak, starting them about 15 minutes before you begin cooking the ham.
BLT Sandwich
One of my family favorites is the BLT sandwich. While bacon is perhaps not the healthiest food available, you can choose to swap good old fashioned bacon with turkey bacon or even chicken bacon. These products aren’t as bad as they sound and actually quite flavorful.

Since the BLT sandwich is very easy and only includes bacon, lettuce, tomato, bread and mayo, make sure you buy only top quality ingredients including nice thick bread and fresh lettuce and tomatoes.

Ingredients:
1 Loaf of White or Rye Bread
1 head of lettuce
4 beefsteak tomatoes
1 pound of bacon

Directions:
On a griddle cook one pound of bacon. Pat dry removing any excess grease. Now add mayo to two pieces of bread and then top with a sliced tomato and some lettuce. Garnish with a pickle, some olives and some pretzels or chips.

Are your struggling for simple ideas for dinner? The Menu In A Box 100 Day Meal Planning Kit can help you.

"Clean Non-Stick Pans" Save Your Burnt On And Ruined Forever Pan

In this day and age, we have busy lives. Multi-tasking is a talent most of us are forever trying to master. Cooking dinner, doing the laundry and trying to catch up on the latest episode of our favorite T.V. show. When you fail to succeed at doing this, it means a ruined dinner and the chore of cleaning a burnt on messin your new set of pans. Have you tried everything or do you not know where to start.

Let me tell you, there is no such thing as non-stick. They might help, but you can always find something that will stick if it's burned on long enough. Here is a great trick that might save you time and money when this happens to you.

Take an orange and peel the rind off. Place it in a pan with enough water to cover the burnt part. Let it boil for 30 minutes. Let it sit over night and like magic it will come off.

"Candle Wax Removal" Steps To An Easy Way To Save Your Carpet And Your Fabric

1. Scrape away as much wax as you can with a dull knife.
   
2. Place a sheet of butcher paper, glossy side up, or a portion of a brown paper bag on top of the wax.
   
3. Press the tip of a warm iron gently over the affected area until the wax melts and attaches to the paper.
   
4. Lift the paper from the fabric as it cools.
   
5. Dab a small amount of denatured alcohol onto the stain if any candle dye remains on the fabric.
   
6. Sponge with water.
   
7. Wash the fabric as usual.

"Dinner Recipes Made Easy" Menu In A Box 100

Making dinner can be the worst chore in the world. The hardest part is deciding what to have. If your like me this is a dreaded task. When my children come home and ask what's for dinner, it makes me crazy. I don't know! Most the time I am so busy, it hasn't even crossed my mind. Don't you just wish it was layed out for you already and you just had to make it? Do any of these represent you?

• Little time to prepare dinner.
• Waist money and time at the grocery store.
• Need new ideas for family friendly & fast meals.
• Dread menu planning.

If you would like 27 helpful tips for menu planning, here it is! This is the greatest!
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"Shower Curtain Cleaning" GROSS; Clean It Up Easy And Learn Tips To Prevent Mildew

There isn't much grosser than the shower curtain that has been hanging in your shower for too long. Most people think of shower curtains as disposable, but they don't have to be. Cleaning a shower curtain is a simple procedure. Just put it in the washing machine on warm with some laundry soap and a little bit of bleach. (Do not put it in the dryer, it will melt.) If you want to dry it with a towel, you can, but it is not neccesary. You will be amazed at the results. An almost brand new shower curtain. It will be a little wrinkled when you pull it out of the washing machine, but they will go away shortly after you hang it.

You can help prevent shower curtain mildew by spraying a mixture of vinegar and water on the shower curtain once you have hung it back up. It is best to spray on the inside. Especially on the bottom and on the bottom of the outside also, as it seems to grow their too. If your children take baths, make sure to pull the shower curtain out of the tub to help prevent more mold and mildew. If you think about the ring you get in your tub from baths, you don't want that same ring on your shower curtain.

Stove Cleaning Secrets "Battle The Black Stove Top Stuff"

Having troubles getting that mysterious black stuff off your gas range? I have only had my gas stove for a short time. It was something I always wanted, but I had no idea it would be such high maintenance. I decided it's because of the open flame. I try to cook clean and always wipe up spills that I notice, but somehow those little black specks of whatever it is always seem to appear. I have tried almost everything to get rid of it or at least I thought I had. To my surprise I found something that works like magic. Ammonia!

Ammonia is very stinky, so you will want to open a window or maybe even do this outside. Take a gallon size zip lock bag, any brand will work. Place the grates in the bag. Pour some ammonia into a spray bottle and then spray the grates down really good. Don't worry, you will not be able to smell the ammonia after the bag is sealed. Let it sit for 8 hours or overnight is fine too. When the time is up, the black stuff will just wipe off.

As far as the top of the stove goes, the only way to get that off is by scraping it with a razor blade. Do be very careful, because it can scratch your paint. Sad to say that the ammonia does not work on the top of the stove. I think it is because there just is not a bag big enough to cover the stove. The stove top is also not the same type of paint. Make sure you do not use this method on the cast iron grates. I don't know what that would do.

From what I understand, the best way to clean those is by putting them in your oven on the cleaning mode. If you do not have the self-cleaning oven, then simply heat your oven for a half hour with the grates in there and then the black stuff should come right off.

The best defense to this black stuff is to wife your stove down every time you cook. If you cook on a burner again, before cleaning it, you will bake on any little splatters. Even if you do not see anything, you must always wipe it down before using it again. This will eliminate most of this black stuff.

I don't even pretend to be the cleanest person, but this is something I have struggled with. I have learned that gas ranges with a white top are very high maintenance. Always wipe your stove down after every meal and you will save yourself time and a lot of headaches.

Cut Electricity Cost By 80% "Pay Only $3 For Electricity This Month"

Everybody can produce their own energy at home, if they just have the know how. YOu can build your own windmill and solar panel for under $200. For many people, that is as much as one months power bill. The money would be easily recovered in only one month, by the amount of money you would save on your utility bill.

Did you know that your power company will pay you for the extra electricity that you generate. You could actually be getting a check from your utility company instead of writing a check to them every month. Are you interested in saving hundreds of dollars each month? Learn how to make a "Home Made Power Plant."
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Shopping Tips To Save Money "Save Pennies and Spend Dollars"

Do you know where your money goes? There are the basic expenses that most everyone has such as mortgage, insurance and car payment or maybe two. Utilities are a must and food is always a good thing to have, but could you make an educated guess or do you really have no idea how much you spend a month. Well your not alone. Most people don't.

How can you spend less if you don't know what your spending now? You would be surprised to see how $5 here and $2 there adds up. This seems to be where people fail. The thinking is, "It's only $5." Well it's five dollars today and five dollars tommorrow and so on. After a month of just five dollars a day and pretty soon you've spent $150 dollars on what? What could you do with $150 dollars? The idea is that if you cut back on the frivilous things, you can enjoy spending more where it really matters. That's called budgeting.

This is not an easy change. It's a habit that you have and breaking habits is hard to do.

1. Start by eliminating needless costs, like the doughnuts at the grocery store or the candy bar at the checkout.


2. Plan your errands out so that you get it all done in one trip, in order to save gas. Mow the lawn instead of paying someone to do it for you.


3. Give yourself a spending allowance for groceries and always take a list and a calculator.


4. Shop naked! Leave your credit cards at home.


5. Only take $20 dollars in cash, this will prevent you from overspending.

Soon you will be saving pennies and spending dollars. Whether you are saving for a fantastic vacation, trying to pay off your debts or just trying to live within your means, these tips can help you achieve your goals. You just have to have a goal first and then plan a budget.


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Save Energy and Save Money "A Tip For a Cozy and Comfortable Home"

It's that time again. Jackets and sweaters are back in our wardrobe. The wind is starting to blow and the temperatures are dropping. Meanwhile, the utility bills are rising. Did you know that you could be saving between 20 and 50 % on your heating and cooling costs by following a simple step.

Adding isulation to your attic and walls in one of the easiest and least expensive ways to save energy and your home will feel more comfortable too. The most common and inexpensive kind is the fiberglass batt. It is made with recycled material. Cellulose is another kind of insulation. It is made with 85 % recycled material. Did you ever wonder what happens to your newspaper when it is recycled? Well now you know. Some insulation is made from cotton(old denim) or sheep wool. This kind is great for people who are sensitive to chemicals. And if your thinking what I'm thinking, guess what, all of these are treated with flame retardant chemicals.

Whatever kind you choose, it is best to have a professional install it. This is a very messy job and some older homes have asbestos in the insulation. Only a professional would be able to recognise this and know how to handle the situation.

The government offers energy credits for homeowners that upgrade the insulation in their home, because you save energy and that is better for the environment. Check with your tax advisor to find out more about this.

Does your thermostat constantly kick on? When your utility bill is so high that you have to wear three layers of clothes to be able to afford it, maybe you need to look into an insulation upgrade. You might be surprised to see that you either don't have enough or that you just simply don't have any insulation in the crawl space of your house. The truth is, most people don't know what's behind the walls of their home. You would be amazed at what a builder would do to save a buck. Besides, standards have changed and new products have been developed. They are rated to do a better job at insulating our homes. This would be a small cost that could save you money for years to come.

Common Household Spider "Are They Poisonous"

As small as these little creatures are, it's amazing what a rucus they can cause. Many spiders are harmless, but there are some common spiders that should truely be feared. It is important to be able to identify spiders that are poisonous and the symptoms spider bites can cause. It would be an excellent idea to place some glue traps around your house, to help you identify what types of spiders you have living with you. As it is hard to get a close look at them when they are running across your floor or when they are squished in a tissue or under your shoe.

The Hobo Spider
The hobo spider has a brown body and can grow from 1/4 to 5/8 inch in length. It is commonly found in Idaho and Utah. It is a European immigrant that has recently been implicated as a potentially poisonous spider in the United States. They live in funnel web. Most hobo spider bites occur in bed or clothing where the spider is trapped next to the skin.

The initial bite from a hobo spider is usually painless but hardens within 30 minutes. The area of the bite may have numbness and it is common to feel dizzy. After 15 to 35 hours the area forms blisters and can start to slough, which stops after about 24 hours. It causes a slow healing wound. It can take months to heal. The hobo spider bites is not considered to be fatal but fatalities have occurred.

The Brown Recluse
The Brown Recluse spider is one of the few dangerous spiders in the United States. It is also called the fiddle back spider or violin spider because of the violin shape mark on it. It's native to south central United States but can be commonly found in the central mid western states. It is best to use glue traps for brown recluse, because they are not affected by pesticides.

The initial bite from a Brown Recluse spider is usually painless and the victim can be unaware for 3 to 8 hours later. Then the site of the bite might turn red and swollen. The bite can take a long time to heal. It will often leave scaring. It is extremely rare for a fatality to occur from a brown recluse spider bite but they still must be treated as a dangers spider

Black Widow
Adult female black widow spiders are about 1/2-inch long, not including the legs. They are jet black with a red hourglass marking underneath their circular abdomen. The adult males are around half the size of the females. Females can be identified by their red dots and white lines along the abdomen. The male black widow spider is harmless. It's the females you have to watch for. In spring or summer the black widow start to mate.

A black widow spider bite can go unnoticed. The intensity of the pain depends on amount of venom injected and the area of the bite. The bloodstream carries the venom around the body and it acts on the nervous system, causing different levels of pain. There may be slight local swelling and two red puncture points from the fangs. Pain usually starts from the bite site and works it way to the abdomen and back causing severe cramping in the abdominal muscles in some cases. Less than 5 percent of black widow spider bites results in death.

Wolf Spiders
Wolf Spiders are a common household pests that look for a warm place to stay for wintertime. They do not spin webs but they hunt for food at night. The Wolf Spider can be commonly mistaken for brown recluse spider, but they lack the violin-shaped marking behind their head. They are not aggressive and will run away from disturbances.

With wolf spider bites you will feel some local pain. Itchiness, dizziness, nausea, and swelling are uncommon, but they can be symptoms.

If a spider bite does occur, always contact a your physician. If it's possible, try to catch the spider or at least get a good description of the spider. This will aide the doctors to know how to handle the bite more quickly.

To find out more about how to get rid of your spiders safely with home remedies and no chemicals. Here is a book to help.
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Save Money On Groceries "Tips To Stick Within Your Budget"

It is easy to overspend when grocery shopping. It's probably the place where we do the most impulse shopping. So we tend to buy things we don't really need and there goes the budget. Here are some things that will help guide you when buying groceries.

Make A List
Most People have certain things they eat regularly. So making a basic menu plan should be fairly simple. You know you have to eat dinner 7 times this week. So write down 7 dinners. Think about what you need to make those things. Make a list. Look in your pantry and fridge to see what basics you are out of. It helps to keep an ongoing list inside your cupboard of things as you run out of them. Making a list will help make sure that you get everything in one trip. Statistics show that you spend more the more trips you make to the store. When you go in for one item that you are out of, and you come out with a whole lot of other things. Plan to go grocery shopping two to three times a month. Sometimes it will be necessary to shop in between trips to the grocery store. If you have a problem with impulse buying, then maybe try getting your milk and bread at a convenience store where there is less to tempt you.

Should You Buy Already Prepared Food
It is usually better to cook from scratch when you have a large family. When I cook for my family it is generally cheaper to not use prepared foods. A big pot of stew is very inexpensive to make, but to buy cans of stew can run into money. However, if the choice is between going out to eat or prepared foods, then definitely prepared is better.

When it was just me and my husband, it was probably cheaper to buy prepared foods rather than buy all the different ingredients that we would need for a smaller batch. The food almost always went bad before we could use it, because there just wasn't enough people to eat it. You can only have spaghetti for so many nights in a row.

Buy Basic Food Products
It is healthier and more cost effective to buy more basic things when shopping for groceries. Buying a bag of rice will save you money compared to a box of flavored rice. The prepared foods usually contain preservatives that are not good for your body. If you prepare the food yourself, then you can control exactly what is in it. Oatmeal is allot less expensive than instant oatmeal and it is better for you. Processing takes allot of nutrients out of food and it is quite a bit more expensive. Although, if you are not willing to take the extra time it takes to cook these foods, then this tip will not be helpful for you.

Check Adds Before You Go
Check your adds regularly. This will help you to know what is a good deal and what is not. Some stores are better to buy certain items at than others. I have a particular store that always has eggs on sale for a good price. That's the only place I will buy eggs. Grocery stores adds start on the same day every week for the most part. Planning your menus around these specials can help you save as you shop. Generally the front page of the ad has the best deals. They’re designed to get your attention and make you want to come to that store. Just because an item is in the add does not mean it's a good deal, that is why you need to check them regularly. Buying produce in season will also help you save money. If it is something you can freeze, then do so. Out of season fruits and vegetables are expensive and not good quality.

Store Discount Cards and Coupons
Many grocery stores have cards that give you a discount on certain items, especially items that are advertised in their ads at a sale price. If you don’t have a card, you’ll be charged a higher price, which is listed in the ad in tiny print beside the item’s picture. The cards are useful to shoppers. Many stores have registers that print out coupons for future purchases of items that you have bought that day if you are using the store card. The cards are easy to get; you have to fill out a sheet with some basic information at the register or customer service desk, and then just remember to use the card when you check out.
If you get the Sunday newspapers, it often includes coupons for dollars off on groceries. Most coupons are for processed foods and new products, but you can find them for many different items. You can use a coupon while an item is on sale, so you can double your savings. It does take a little organization though. If you’re on a budget, however, you could save quite a lot of money if you buy several items on sale with coupons.

Take A Calculator
How many times have you been shocked by the price at the register and wondered what did I buy? Well taking a calculator with you to shop could help you if you’re on a budget, especially if you’re an impulse buyer or have small children who distract you while you shop. If you’re good at math, you can try to keep a running total. But if your like me, a calculator would be great. As you add an item to your basket, punch the price in the calculator. Using a calculator will help you to make wiser choices; if you see that your total is rising rapidly, you can put something back and choose a lower priced item. Using the calculator will prevent any shock at the register.

Compare Brands
Many grocery stores have their own brand name products, and these products are usually made by well-known manufacturers. Store brand products are almost always less expensive than name brand products, and if you look at the ingredients, they are probably identical. Buy one of the store brand products, taste it, and if you like it you can save money next time you need that item. You can save by buying store brands on food, over-the-counter medicines, cleaners, and other household products. It is common for stores to put all of their store brand products on sale at one time.

Larger Quantity
If a grocery store puts a nonperishable item on sale at a very low price, buy extras. Basic foods like flour, sugar, beans, rice, canned and frozen goods will last quite a while if you use them regularly. If you buy enough, then you won't have to buy it when it's not on sale.
Buy your snack items in bulk instead of putting money in a vending machine regularly. Joining a wholesale club means you must purchase a member’s card, but a few trips to the club can save you lots of money if you buy items you use frequently in quantity. The clubs offer samples of certain items frequently, so you are able to try something before you buy it. This is great, because you don't want to buy a ton of something you might not like.

On Sale
Just because it is on sale, doesn't mean it's a good deal. If it is not something you usually eat, then it may not be a great sale for you. When Kellogg's goes on sale, it still may not be as cheap as the private label brand that you usually buy. You can save by buying items on sale, but it won’t be a savings if you don’t like the product. Only buy food that you know you or your family will eat or you will have wasted your money. Be careful that you don't buy large quantities of perishable items. If half of it gets waisted before you eat it, you won't have saved any money. Always check the date on sale items. It is very common for stores to put product on sale when they are close to going out of date.

Don't Go To The Store Hungry
Make sure you have already eaten when you go to the store. Everything looks good when your hungry and your grocery bill will show it. It's easier to resist junk food when your tummy is full.

When you have a plan, you are one step closer to sticking to your budget. These are just a few tips. There are many more ways to save money on groceries. If you would like more information on:

• great substitution ideas for store bought items
• homemade recipes for cleaning and laundry
• homemade recipes for easily made cosmetics
• common use medical remedies
• utility savings, you may not have considered

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Organizing Could Save You Money

Just about every one takes a day or two out of the year to clean out closets and cabinets to declutter. For most of us, getting organized is a space clearing endeavor, but did you know it can also save money? It’s true. Someone who lives among disorganization and clutter might have trouble keeping track of every penny because he or she has problems locating important items. What follows is a discussion of how money can be saved by organizing your home and your life.

If you bring in your afternoon mail and discard it to a side table, intending to get to it later, you’re wasting money. While your intentions are honorable, the majority of people who throw their mail into a pile never end up going back to the pile until the very last minute or even worse, when the bill is overdue. When this happens you can incur late fees and high interest charges. In addition, there may be a discrepancy on your bill, a discrepancy that’s easily removed if it’s nipped in the bud right away, but if brought to the attention of the credit card or utility company three months later, they may question why you’re only bringing it up at that time.

While you’re getting organized, you might want to consider those kitchen cabinets. Why? Because if you’re not aware of an item’s existence, you may end up purchasing that item more than once. If it’s not something you use often, it may pass its expiration date which means money in the garbage. If you organize your cabinets and take stock of its contents, you’re less likely to purchase duplicates.

Coupons are another area requiring organization. Are your coupons a jumbled mass in a drawer or envelope somewhere? The last thing you probably want to do is go through all those coupons to receive a twenty-cent discount on tomato sauce, only to find out the coupon expired months ago. If you keep your coupons in an organized pouch or card file, grouped by item or food group, it will be much easier to find what you’re looking for. With today’s double and triple coupon savings, you don’t want to miss out on any bargains.

What do you do with your receipts when you leave the checkout counter? Do you cram them into your wallet or purse compartment only to throw them in the garbage when you’ve accumulated a large wad? If so, why bother keeping them at all? If you want receipts to work for you, you’ll need to keep them organized. File them by date or item. For instance, keep all receipts for appliances in one file, receipts for electronics in another and food in a third. This way when you need to refer back to a receipt, it will much easier to find. What if your brand new toaster oven breaks down soon after it’s purchased? Not only will you need proof of purchase, but you’ll want to prove the date of purchase in order to get free replacement or repairs. Without a receipt, you may have to pay for a whole new product, and that’s a waste.

Another reason to keep receipts is for your taxes, especially if you itemize or own a home business. If you want to write off office supplies and computer equipment, you best organize those receipts.

While you’re organizing your coupon and receipt files, organize your home files as well. There will come a time when you’ll need a copy of a birth certificate or other important paperwork. If you don’t have the original at home, you may have to pay for a replacement.

In addition, a disorganized person tends to lose rented movies or borrowed library books. Why pay a late charge that could have been avoided by keeping rentals in a designated spot in your home?

There’s no reason to lose money because you’re disorganized. Once you free up all the clutter in your home, you’re sure to have an uncluttered life as well.

Laundry Made Easier

Mom, are you spending way too much time sorting, washing, and folding laundry?
Here are some quick easy tips to help get you out of the laundry room!

1) Sort Less
With the exception of whites that need to be bleached, brand new dark or red items that bleed or delicates, you may not need to sort laundry as much as you think.
Most high quality clothing doesn't bleed. And there is no crime in washing towels with other laundry unless it will get linty (like microfiber cleaning cloths).
You might want to sort laundry by what room it will end up in. I throw my boy's laundry all in together and despite what home economics gurus might tell you, I haven't noticed any bad effects! This method simplifies things because each load goes to the same place. Instead of walking around the house delivering laundry to each room, you save energy and time.

2) Instead of folding...
Hang kid's shirts in their closet and simply lay small items flat in their drawers.
I use those cheap shoebox size plastic organizers in the boy's closet and throw unsorted clean socks in one, undies in another, pjs in another. Each child has his own containers so there's no confusion.
It's much simpler than spending time folding underwear and matching socks. They can find their own sock mates!

3) Use Your Tools
Put one laundry basket in each room where dirty laundry is discarded (usually one per bathroom or bedroom). Buy some of those zippered mesh bags at the dollar store and throw one in each.

4) Teach your kids and husband
Ask your husband and kids to put laundry in the hamper instead of dropping it on the floor, and to bring their hamper to the laundry area when you're ready to wash. Don't scold or nag, use natural consequences. When someone needs that favorite pair of Buzz Lightyear pjs or boxers, they will quickly learn that if it doesn't make it to the hamper, it doesn't get washed!
Train them too to put their dirty socks in the mesh bag. Even if they're too young to do so, put all dirty socks in the bag and throw the entire thing in the washer. They come out clean and the washer doesn't eat the baby's socks.

Enlist your kid's help when it comes to folding laundry.

A 2 year old can put dirty laundry in the hamper and throw clean clothes in the dryer when you hand it to them, a 3 year old can fold washcloths, and an older child can deliver clean folded laundry to their room and even hang items.

5) Forget Perfection
When I was a kid we had "play clothes" and "school clothes". The nicer things were what you wore to school and out of the house, and you changed into your play clothes (usually items that had a defect or weren't as nice as going-out clothes) as soon as you got home.

Using this method means that the nicer items don't wear out as quickly, and they may not need to be washed after every wearing. An item that is worn once (unless it's socks or undies) doesn't necessarily need to be washed.

And you may decide that it's not worth spending time removing stains on play clothes, thus saving you more time and money.

Also, try using Oxi-Clean or another non-toxic whitener instead of bleach on your whites. Since it can also be used on colors, it won't be the end of the world if a stray colored item gets in your bleach load.

I hope these tips help rescue you from laundry room shackles!

Bulk Cooking

Busy and preoccupied, the last resort of a working mom is asking her family out to eat together.
This is a fine idea but doing it all the time is not good at all. It costs much and you are not that sure if the food outside is indeed healthy and safe. There are lots of restaurants but often than sometimes, most ends up in eating at fast-food chain restaurants.

You know for a fact that fast food is not that good for the over-all wellness, right? And who would want to have a family of too much calories? Nobody wants it, do you? Rather than eating out, there is a solution if you are just too busy or preoccupied. This is cooking in advance or the so-called “bulk cooking “. This type of cooking method is very beneficial especially for those who seem to have no time at all.

This is a means of saving money because as we are aware of, buying food in bulk is less expensive than buying food per week. At any rate, you are still the one choosing the type of food you want to buy. In this case, you could buy ground meat this week, and cook it for the following week.

Bulk cooking also lessens the expense of a new couple living together or someone who lives independently. They could prepare food in advance and not having to worry about left-over right after. This is both a means of saving effort, time and money of course. One of the strongest advantages of this method is that a busy parent could spend more quality time with his or her kids and the whole family, this is very essential.

As mentioned, cooking ahead could be healthy since you take control over the food choices and make sure that you really go for the healthy choices.

Being busy is not a blockade to one’s food preparation especially for one’s family. In these modern days, making independent yet wise choices must really be of consideration. This makes bulk cooking a good choice for each household. This will not only benefit parents but as well as children who do not deserve improper attention and inadequate healthful food.

In a nutshell, this method of preparing food could really suit up any lifestyle especially those who are having the most hectic schedules on Earth.

Budget To Save Money

Maintaining a budget is very important in the grand scheme of things as you want to make sure that you can take care of all the expenses that you incur in the course of living. This is something that a lot of people are not aware of and they spend their life living paycheck to paycheck. When you live in this type of state you have a big problem because there is no money available in case something should happen.

If you want to have a personal budget then you need to take on some money saving. Saving money is not something that a lot of people are very good at. This is due in part to our nature to want to spend what we have. But when you take the time to save a little money each time you are paid. This is a matter of some importance as you never know when you are going to need it.
The best course of action is to plan on saving ten percent of the money that you bring home. With this plan you will have a weeks worth of pay saved in ten weeks. The money that you are saving should not be touched for any reason barring an emergency. The reason that you are saving is to make sure that you have money should you need it for an emergency. This will enable you to save a lot of money because if you have not saved for an emergency then you will be forced to go and borrow the money which will compound the problem when you take into consideration the amount of interest that will be charged.

Personal budgeting is a matter of knowing how much money you have coming in and going out. First off you would need to determine the amount of money that you need to pay out each week or month depending how you prefer to pay the bills. Most people do not like to pay the bills on a weekly basis because the bills may change by the month. Once you have determined the amount of money that you have going out each month then you will need to determine the amount you need to set aside each week. Most often you will find that you can set aside forty percent of the pay that you receive and you will actually have more than you need.

The budget that you set up should be stuck too no matter what. A budget that will do no good is one that is not stuck too. The budget amount that you set should not be your entire pay amount. If you are finding that you need to save all or nearly all of your pay then you should take the time to check out the expenses that you have. There may be some things that need to be trimmed, because you are operating outside of the money that you have coming in.
Setting a personal budget and saving some money is a requirement to lead a life that is not ruled by money or the lack of it.

Kids and Money - Why Is It So Hard?

We learn so many things as we grow up. We learn how to walk, talk, and get away with not doing our homework. We learn how to play complicated games, many of them involving pretend money. So, why is it so hard for us to learn how to manage money? Why do so many people struggle to make ends meet, even on reasonably high incomes? Why do so few people manage to provide sufficiently for themselves in retirement? It’s not rocket science. We know what it takes. And there are some people doing it. So why isn’t basic money management as widely understood as basic geometry? Imagine what life would be like if making money came as easily and naturally as riding a bike or tying your shoelaces.

Imagine graduating high school with a permanent, secure, passive income already in place. You wake each the morning to find more money has appeared in your account overnight! If you want to travel, you do. If you want to paint, write, or do any other creative activity, you do. You choose your occupation based on what you love to do, not the burden of having to pay the bills.

You have all the time you need to socialise with your family and friends, to stay in shape, and to practice your spirituality. This world is not a pipe-dream. It’s not unrealistic. The world is alive with opportunity, more so now than ever before, and the opportunity is expanding exponentially. With the right knowledge and attitudes, today’s kids can capture their share of that opportunity, and set themselves up for life. So, why isn’t everyone doing it? Because not everyone’s parents have the right knowledge and attitudes to pass along to their kids. Some of those who have the knowledge and attitudes are still setting themselves up in life, working long hours, and find it difficult to break the knowledge down into terms their kids can understand. What can we do about it? As parents, we need to be conscious that financial education ranks up there with education about nutrition, health, and communication.


We must educate ourselves, so that we can educate our children. There are many places to go on the web to get that vital financial education. There are numerous e-Books, ezine articles, and offline financial publications with an online presence. And, of course, there are dozens of relevant books in your local book store.

"Raising Gas Prices" Tips To Help Your Engine Burn Less Fuel

If you had told me a couple years ago that gas prices would be $4.00 a gallon, I would never have believed you. When I was a little girl, my mother told me that gas would be $2.00 a gallon and that people would not be able to afford to drive. Well here we are at double that. What is going on in this country? Is the government to scared to step in and do something. How about regulating the rate that gas prices are rising. The government says we are headed for a recession. So they sent out a stimulus package to try to help the economy. OK, so that is a very temporary fix. I don't know about you but, my check was spent within week of it being cashed. I really feel that the biggest problem in America right now is the price of gas. It affects everything in our lives. If gas is high, then everything we purchase will be higher also. All of our food and supplies for daily life come off of a truck that got here by gasoline. After paying higher prices when buying food, clothes, and gas, there just isn't much left for the fun things in life. I am a mother of 5. I can't just abandon my car all together. If you are in the same boat, then here are some tips to help in the mean time.

1. Don't top off your gas when filling up. Do you realize that the pumps are set up to suck back up the extra gas that you pump after your tank is full. It does this so your tank will not overfill and spill over. Basically you are paying for gas that you are not getting.
2. Use the lower-octane gasoline. Unless your car is made to utilize the higher octane, you are waisting the extra money you spend on it. Check your owners manual.
3. Tighten your gas cap. Gasoline will evaporate very quickly.
4. Make sure your tires are properly inflated. Under inflated tires will cause resistance and will lower your gas mileage as much as 15%. Inside the drivers side door will tell you how much air your tires should have.
5. Air conditioning is a huge gas guzzler. When in town driving, it is best to roll down the windows if you can stand it. The air conditioner lowers your gas mileage as much as 10% to 20%. However if you are on the free way, it is better to use the air conditioner than to roll the windows down, because of the drag it causes.
6. Keep your engine tuned up. Spark plugs are a big must. Bad spark plugs can be responsible for lowering your gas mileage 30%. Air filters should be changed every time you change your oil. Air filters are a forgotten thing. It is not something that is commonly changed with your oil. You have to ask for this specifically. An old air filter can lower your gas mileage up to 10%.
7. Take it easy. Accelerating quickly on the freeway can hurt your gas mileage by 33%. Use your cruise control. This will help you to maintain an even speed. Driving at 65 miles per hour compared to 75 will increase your gas mileage by 10%. 55 miles per hour will increase it by 17%. It will take a little longer to get there, but will save you gas.
8. Don't idle your car. It is not necessary to warm up newer cars. They are made to just start up and go.
9. Plan ahead. Think about what you need to accomplish in the next week and combine trips. You could literally spend half as much as you do right now.
10. Avoid rush hour traffic if at all possible.

Pick the things you can live with and good luck!

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Ripped off by auto mechanics

It's amazing to me that age old practice of auto mechanics ripping women off is still in practice. My husband works very hard to be able to keep me home with our children. So things like getting an exhaust pipe installed on our van, quite often become my responsibility. He had the time to call around last night to get prices. Pretty much everyone told him the same thing. So this morning I decided to call and make an appointment. I called the closest location to my house. Some how the price had jumped. So I called the next place. It also had went up. Wow, I can't believe the rate of inflation over night or was it the tone of my voice that made the difference. These were well known businesses. Midas, Meneike, and Master Muffler. I decided to call some other places that were not so well known. I found a great place, Main Street Muffler, located in Salt Lake City, UT. They were priced even better than the others original price. I guess it pays to shop around. I would also recommend having someone of the male gender call the same places and ask for prices to make sure that the price is the same for everyone. It's worth your time. It saved me up to $60.

Awesome cleaner

If you don't know about this cleaner, then you are missing out! It is very inexpensive. You can get it at the dollar store. It's called La's Totally AWESOME. I can't figure out why they are selling it so cheap, because it is such a great product. They have different kinds for different areas of your home, but I like just the origional one. This stuff has saved me so many times. It is great on clothes, carpets, walls, floors, furniture, etc. Pretty much any thing you can think of. It is excellent on general cleaning or for tough stains. I love this stuff so much that I have it in almost every room in my house. It is in my laundry room, bathroom and my kitchen. I use it everyday, but I recently discovered that it can turn your stained, dirty grount back to it's origional color. If that's not impressive then I don't know what is. It is excellent for laundry. I have a baby and you know what kind of messes babies make. I have two boys 12 and 13 years old. Grass stains, mud, oil, markers and I don't want to know what else shows up on their clothes. I also have a 16 year old. All I have to say is makeup, makeup, makeup. It's a wonder any of it ends up on her face. Awesome can get out almost anything! Coming from a mom who needs all the help she can get.