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.
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.
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!
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
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
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 We can help you Save Money and Make Money online through our information packed membership website!
Simple Recipes Your Family Will Love ---------- 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.
Well I am a wife and a mother. I am currently a stay at home mom. I have 5 children ranging from 18 yrs. down to 14 months. I have discovered a lot of things in my time as a mother and been given countless advice. But one thing I have learned, is that, the best way to do things, is whatever works best for you.