Friday, March 30, 2018

Ingredients to Substitute to Make Gluten-Free Food


Gluten-free cooking isn't nearly as hard as it first appears. There are plenty of substitutions that allow you to maintain the diet without giving anything up. Some of the most basic ones involve swapping out prepared foods for similar alternatives. Replacing ingredients in recipes can be a little bit more complicated, but there are still plenty of options for people who are willing to be flexible.

Using Tapioca

Many recipes rely on thickening agents to get the right consistency. Some of those agents are always gluten-free, but flour is a common choice that does contain gluten. That calls for a substitution that will have the same ability to make dishes thicker without adding a new flavor to them.

Tapioca starch is usually the correct choice. You can replace normal flour with an equal amount of the tapioca starch when it is being used as a thickener to get a comparable result. It has very little flavor on its own, so it can go in almost any dish without changing how it tastes. Since it is just as good at thickening dishes as conventional flour, the recipe will not need any adjustment to deal with a new quantity of dry ingredients.

Tapioca can also be useful for baking. Some recipes will use it on its own, but others will use it as part of a flour blend with other gluten-free flours. Both methods will work as long as the other ingredients are right, so choosing the technique comes down to personal preference and convenience.

Replacing Oats

While some people who are sensitive to gluten can tolerate oats, many cannot, especially in large quantities. That makes it vital to find a replacement for them, and the precise substitute will depend on the way that those oats are being used.

Oatmeal is the easy thing to replace. Almost any grain can be cooked in a similar way to get a dish that resembles oatmeal. The flavors will be different, so it's wise to experiment with them to figure out which ones you like. Quinoa is a popular choice because it has a lot of protein compared to the alternatives. It has a nutty flavor, with the darker varieties adding earthy notes. Rice is another popular option due to its low price and mild flavor. Consider using brown rice instead of white to increase your fiber intake.

Bakers have a harder time replacing oats. None of the substitutions are perfect, but rice bran and flaked grains are reasonable effective. Most bakers will need to experiment with each recipe to find the replacement that provides the best flavor, so be ready for some trial and error in your recipes that include oats.

Try Rice Flour

Replacing flour is one of the simplest tasks for gluten-free cooks, even though there are a lot of options and factors to consider. The best results often come from using a blend of flours, but that adds to the workload while cooking. You can solve that problem by buying a prepared flour blend, but it is also possible to use a single flour in many cases.

Rice flour is usually the best choice. The easiest way to use it is to look for recipes from Asian, since it has been in use there for centuries. There are several types, and it is vital to get the right one. Sweet rice flour tends to create chewy and elastic dishes, while white and brown rice flour lead to a more crumbly texture. They can easily be mixed together to help control the final product's texture, but they cannot be used to substitute for each other.


If you want to use rice flour in a recipe that normally uses wheat flour, you will likely need to include a binder along with it. Tapioca works well, and can be used to make the simplest blend for replacing all-purpose flour. Alternatives, such as xanthan gum, are also available, so it pays to experiment to find the best combinations!

Everything You Need To Know About Moisturizing



Everything You Need To Know About Moisturizing
If you're not currently using a moisturizer, your skin may very well be suffering for it. No matter what your skin type or your age, moisturizers may be able to help you maintain a healthier appearance. While some argue that their skin is oily enough on its own or they don't feel the need to add additional hydration, moisturizing has benefits beyond merely repairing dry skin. Keep reading to discover everything you need to know about moisturizing.


The Oily Skin Myth
One of the main reasons why people will say they don't need a moisturizer is because their skin is oily or acne-prone. However, it's a dangerous myth that hydration and moisture can cause breakouts. Most breakouts are caused by hormones or clogged pores. While excess makeup, dirt and oil can clog pores, moisturizers certainly can't. It's true that some people will have bad reactions to specific moisturizers, but that doesn't mean that they should eschew hydrating products altogether. In fact, while acne-prone types used to be advised to avoid oil, beauty professionals and dermatologists now actually advise that those who suffer from acne incorporate oil-based products into their routines.


How To Moisturize
It might feel good to slather your body in copious amounts of a thick, scented body cream, but that simply isn't necessary for your face. In fact, using too much moisturizer can be a waste of the product, since not all of it will sink in when you use too much.


When you apply moisturizer, you want to use a dime-size amount and spread it evenly all over your face. If you use serums, treatments, toners or acne-fighting products, you want to use them after you've washed your face but before you apply your moisturizer. Think of a moisturizer as the final step that seals all of your other skincare products in and marks the conclusion of your skincare regimen.


Moisturizer isn't just for nighttime use. Ideally, you should be hydrating your face both morning and night. A thicker cream is advisable for your evening skincare routine, while morning skincare demands a lighter, more wearable hydrating lotion.


Choosing A Moisturizer
It can take experimenting with a lot of products to find out which moisturizers have a good effect on your skin. Everyone's skin is different. No two acne sufferers are alike and no two dry skin sufferers are alike. Different ingredients should be sought out depending on your skin type. Those who are concerned about aging should seek out products with antioxidants, while those who are acne-prone or sensitive should look for fragrance-free formulas.


Also, remember that marketing materials don't always give you the honest truth about the effectiveness and quality of a product. For example, if you are using Nu Skin products, take the time to seek out Nu Skin reviews and to read about user experiences. Getting a second opinion on the most popular products of the day is always helpful, especially when it's coming from an unbiased reviewer.


Consistency Is Key
Many people will invest in a pricy night cream, use it sporadically for a week or two and then be offended when the product hasn't eradicated all of their fine lines or wrinkles. There is no miracle cream that will erase your imperfections overnight. The most important skin-care tip is to hydrate regularly, morning and night. It is only after months of consistently moisturizing that you'll actually see a difference.


Add Moisturizer To Your Routine
Even if you're a low-maintenance person when it comes to beauty, it's advisable that you moisturize your skin consistently. If you do so, you'll experience healthier skin and slow down visible signs of aging. Moisturizers are for everyone.

Simple Products Offer Big Rewards in Reducing Stress


Everyone wants a life with less stress. Now, there are a lot of products which reduce stress and allow for more time to focus on other things. Some of these new inventions are remarkably simple, but can add so much to your daily routine.
Products for Those On the Go
There are several new products that make your life going from home, to work, to gym, to picking up the kids much easier. These include:
  • Insulated mugs
  • Water bottles with wallet
  • Luggage scale
The insulated mugs will keep your drink cold or hot for hours and don't retain the smell of your favorite beverage. These come from a variety of manufacturers. They can be a bit pricey, but the mugs are durable and can be used for years.
There are now water bottles that come with built in wallets. This is great for runners who might want to stop off at their favorite juice shop along the route.
A luggage scale, about the size of a thermometer, can ensure your luggage meets all weight restrictions in place by airlines. It simply hooks over your suitcase's handle and the weight shows up on the scale.
Life Around the Holidays
Your household can get crazy around the holidays, but there are products that saves you time, money and effort. Below are a couple of things to look for:
  • Lighted Christmas tree
  • Oven glove
  • Outdoor bluetooth speaker
Pre lit Christmas trees come in every size and are easy to set up. The lights will work, so you will not need to struggle through strands trying to figure out which bulb is causing an outage. They are perfectly proportioned on the tree, making decorating it easier. Plus, many are fire resistant, which is important because around 200 trees catch fire every year.
An oven glove is a must for holiday baking. It covers your entire hand, but, unlike a oven mit, allows each finger to move freely so you can have control over items pulled out of a hot oven and remain safe.
Bluetooth outdoor speakers allow you to play holiday music outside your home, making for a wonderful welcome for visiting friends and guests. The best run off a rechargeable battery and are waterproof. Some allow you to even answer phone calls on the device. That's handy when you are outside decorating!
Handy Items for the Home
There are some great items that make your home life easier. Those include:
  • Rubber wine glasses
  • Watermelon slicer
  • Bag re-sealer
  • Solar powered phone charger
Rubber wine glasses mean you will never have to clean up a broken glass after a party ever again. These are incredibly useful for outdoor entertaining. They are also dishwasher safe, so you won't need to wash them by hand as you do your crystal dishware.
Everyone loves watermelon, but cutting it up is a pain. That's where a watermelon slicer comes in. It will slice your melon into 12 even pieces with one press.
A bag re-sealer, complete with a magnet to put it on your refrigerator, can keep your chips fresher than the chip clips. It is super simple to use and could help you refrain from polishing off a bag of chips. After all, you know they will be fresh later!
Solar powered phone chargers are a must for every home. The coolest part of this device is they recharge by attaching to a window. This ends fighting for plug space! Chargers also come in different colors, so everyone will know which is their charger.
These products will go a long way to free up your life from unnecessary work and stress. They are amazingly simple, but add big to your quality of life.

Four Facts That Make Car Loans Easy to Understand

Car loans have been around for decades, and yet there seems to still be a cloud of confusion for many people, specifically aspiring car owners, as to how it works. Fortunately, it's not that difficult at all to understand what a car loan is and how it works. Lending institutions and individuals just like to use fancy words to make it seem like a complex transaction. To help you navigate your way into a financing deal, here are four facts you should know about car loans:

1 - Credit Score
Credit scores were once optional. Nowadays, however, every dealership requires verifiable proof of creditworthiness. It determines whether or not you are eligible for a car loan and how much your rate should be. A super prime credit score, which ranges between 781 to 850, will yield lower interest rates at less than 3 percent if you are financing a brand new model. On the other hand, a subprime credit score of 600 or less will slap you with as much as 10.65 percent in interest on the same loan. That's a 7 percentage point difference, which if you're taking out a 60-month car loan, can add up to a very significant sum over time. Try to improve your credit score first before getting a car loan.

2 - Loan Term
This pertains to the amount of time you have to repay the loan. Back in the olden days, car loans were typically issued with a 36-month repayment plan. Today, however, it's very common to find loans that have a repayment term of up to 72 months or 6 years. While this stretches the total cost and makes monthly payments more manageable, be warned that it will also increase the total sum of interests paid over the loan's lifecycle. To put this into perspective, say you are extending your car loan, which is worth $25,000, from 48 months to 60 months. Using a three percent interest rate as an example, that would decrease your monthly payments to roughly $104, but it'll also result in you paying close to $400 more in interest.

3 - Car Financing Options
There are many ways to finance a new car aside from a classic car loan. Different factors play a key role in deciding which financing option best aligns with your needs and circumstances. The car make and model you plan on getting, credit score, and location are some of the factors that lenders will consider. Be creative when looking for ways to finance your new car. For instance, if you have an existing car, you can secure a car title loan to fund the new one. As the name suggests, a title loan uses the title of your existing vehicle as collateral for securing a sum of money.

4 - Hidden Costs and Charges
Your financial circumstances today and tomorrow could be night and day. Having flexibility on your car loan is essential to avoiding any prepayment fees. Find a car dealership, credit union, or private lender that will allow you to repay the outstanding loan amount partially or completely ahead of schedule without penalizing you for the early repayment. Check and recheck the fine print and make sure you don't overlook any clauses that might bite you later on. Keep in mind that in some contracts, penalties aren't even referred to as "penalties". Furthermore, in some states, prepayment penalties have been banned, which means that lenders have to look for other means of discouraging early repayments so they can collect more on interest.

Final Thoughts
Perhaps the last piece of advice to know is that shopping for car loans shouldn't be entirely focused on the initial price of the vehicle. While it obviously makes sense to know how much a vehicle will cost you out of pocket, there are more important things to consider including the loan term, APR, and any fees that apply.

Thursday, March 29, 2018

What You Need to Know Before You Buy a Used Car

Purchasing a car is a huge step that can be a little nerve-racking, especially if the car is used. Your goal is to buy a used car that will last for many years, and you want to make sure that you exit with something reliable. These are the top things you need to know before you purchase a car. If you go through this list, you should come out of your car purchasing journey in a much better situation than you would if you go through with it without doing so.

The Pricing Lingo

One of the initial things that you will need to know when it comes time for you to buy a car is how the pricing works. For example, you need to know the MSRP meaning. The MSRP acronym stands for the manufacturer's suggested price, and it is not written in stone. It can change because of negotiations, but you have to be diligent in your efforts to get a negotiation on it. The MSRP has nothing to do with what the dealership paid for the car, and it's not the same as the retail price either. You can use many resources to figure out what you should pay for the car. Kelley Blue Book is one of the popular options people use. Cars.com also has a tool called Smart Target Price that uses an interesting mathematical equation to give you an idea of how much you should pay.

The History of the Car

The history of the car is something else that you will need to know before you purchase a vehicle. You will need to know how many owners the vehicle had and how many repairs those persons did on the vehicle. You will also need to know if the vehicle has been in any accidents and if some parts have been replaced because of that accident. A CarFax report can provide you with all of that information, and you can use it to negotiate on the price or just for peace of mind. You can make an educated decision when you have all of the facts in front of you. The CarFax report is a comprehensive list of all the items mentioned above plus odometer information and legal involvement.

Your Credit Score

Your credit score is another thing that you should know before you purchase a car. The reason is that it will help you understand your position and the likelihood of getting a high APR. You can get a free credit report from all the bureaus at least once a year. For your score, you may be able to sign up for a site like Credit Karma, and they may give you free access to your credit score so that you know what it is. The will help give you a picture of what you're facing when it comes time to buy a new car and how it will affect you financially.

The Insurance Cost

The insurance cost is something else that you need to know and consider before you buy a car. You will have to buy full coverage for the car if it's used, and you're it. The type of car that you buy affects that directly, so make sure you choose an option that you can afford.

The Consumer Reviews

Finally, you will need to know what kind of reviews that car that you are interested in is getting from the people who have purchased the model. It would be wise for you to examine the reviews before you decide on any car. The reviews will tell you quite a bit about the vehicle's reliability, safety, tech, ride smoothness performance and more. Thus, you should make sure that the ratings for the car that you are thinking about getting meet the standards that you want it to meet, and enough people agree that it is a reliable option.

Now you should be more equipped to decide on the car you are thinking about buying. Schedule your test-drive when you're ready and go in prepared with all the knowledge that you just received.

Mental Health Actually Aids in Weight Loss


An adage once said, “If there is no mental health, there is no health at all.” In order to be in optimal health, your mental and physical health must be in working order. Your physical health will decline if you are in mental distress. Being a healthy weight is a major sign of optimal physical health. Unfortunately, many people suffer from being obese and overweight. They try many methods to losing weight, but they do not make enough progress. Many people and medical professionals fail to realize that mental health plays a role in weight loss.

Mental Health Factors that Affect Weight Loss

Stress
Though stress in trace amounts is necessary for survival and success, excess stress can be a major detriment to the body. Stress triggers the release of cortisol, a steroid hormone. Cortisol plays a role in metabolism and salt and water balance. Excess cortisol increases fat in the abdominal area.

Negative Attitude
Having a negative attitude affects motivation and perceptions. If you keep thinking, “I’ll never lose the weight” or “This is not working, so why even try?”, you will be less motivated to exercise, make a pull up routine, eat healthy, and engage stress-reducing activities. Even if you are losing weight, your negative attitude may keep you from being satisfied with your progress, which may make you stop taking healthy courses of action or develop a distorted body image.

Eating for Emotional Hunger, Not Physical Hunger
If the psychological factor of eating did not exist, obesity would not be an issue. Many times, people do not eat for hunger. They eat to alleviate negative emotions or produce positive emotions. Eating for the purpose of attributes to obesity.

Low Self-Esteem
If you have a low self-esteem, you may not feel like you deserve to lose weight. If you have severe low self-esteem, overeating may be an unconscious way of committing a slow suicide. Low self-esteem also attributes to a distorted body image. You may not be as overweight as you think or overweight at all, but because you already have a negative view of yourself, you will have a negative view of your body. If you have a low self-esteem, you will not be satisfied whether you have lost 10 or 100 pounds because your issue is dislike of yourself, not your body.

How to Improve Mental Health to Lose Weight

Reduce Stress
Avoiding unnecessary stress is the simplest way to reduce stress. You can only control your life; other people will live theirs the way they see fit regardless of your opinion or attempt to control. Chaos seeking may make life exciting for a short time, but it causes damage for the long-term. For stress that you cannot avoid, engage in stress reducing activities (e.g. yoga, meditation, walking, etc.) and balance your schedule. Doing activities that you love reduces stress because you are content doing them.

Challenge Negative Attitudes
Instead of thinking that you will never lose the weight, you are not making enough progress, you do not deserve to lose weight, etc. think the opposite. Think that you will lose weight in time if you invest the right amount of effort. Be satisfied with every bit of progress you make, even if it is only one pound a week, because weight loss is a process, not an overnight event. Think and declare positive thoughts about yourself, even if you do not believe them.

Being Mindful of Purpose of Eating
Before you eat, question your purpose for eating. If it is your normal meal time and/or you genuinely feel hungry, eating is acceptable because it serves its purpose. If you are bored, sad, angry, stressed, you need to resort to other ways to alleviate or channel those emotions other than eating (e.g. calling a friend, walking, punching a pillow, meditating, etc.).

5 Ways To Find Time For Yourself With Your Busy Life


In today’s fast-paced society, many of us find ourselves with our careers, families, and education that we struggle to find time to just enjoy and be ourselves. While most believe those maxed out schedules help us make the most of our productivity, the opposite is actually true. Time alone spent caring for ourselves allows our brains to “reboot,” improves our concentration and productivity, and increases our abilities to problem solve and think creatively. So instead of just “finding time” for yourself, use these five tips to make more time for yourself today.


1. Evaluate your priorities.


One of the first steps you can take toward making time for yourself is evaluating the way you
currently spend your time versus how you want to use your time. Keep a log of all of your
activities for a couple days to see what it is you really do every day and then as you look it over
ask yourself, “Am I really spending my time on the things that are most important to me?”


Depending on your answer to that question, make a list of what activities you want to do to
make you happier, more relaxed, and more satisfied. As you look over the list, rank them in
order of importance and select one or two to focus on first. Having a specific goal in mind will
help inspire you to actually make changes to your daily routine.


2. Cut what you can.


Once you have a list of your current activities, you can evaluate it to determine what tasks you
can get rid of. Obviously, there will be some that you can’t pass off – like going to your job
every day. However, some others you should be able to delegate, outsource or rework. As
you look over your daily activity list, ask yourself the questions:


Can I delegate this?
Can I outsource this?
Can I streamline this?


You may well find that you can assign a couple of daily chores to your kids to keep the house
orderly without you physically having to do it. Likewise, hiring a tutor for your kids may free
up a few hours of your time and help them still get hands-on support with their homework.
You may also find that streamlining some of your tasks, such as scheduling when you check
email or closing your office door at work, help you be more efficient and get back several
valuable minutes of your day.


3. Schedule your “me time.”


Once you’ve evaluated your schedule and cut what you can, you should have a few
“flex minutes” that you can claim as your own. As you are just learning to make time for
yourself, make it a priority to schedule your time for yourself. Decide exactly what it is that
you are going to do for you, and write it into your schedule just like you would any other appointment.


For example, you may schedule in an early morning workout before work, or maybe you’ll
schedule some time to read in your room by yourself. Better yet, take a class or join a group
that focuses on something you’ve been wanting to learn or a hobby you’ve been missing.
Having those things on the schedule will make it a lot easier to stick to when the “rubber
meets the road.”


4. Maximize your time.


If you find that you still have very little free time even after evaluating your time and cutting
what you can, focus on maximizing the time you do have. Think about the “dead hours”
you have in your day, such as during your morning commute or waiting in the pick-up line
on your kids. Think about that time as “me time,” and get creative with how you spend it.


Start listening to podcasts or meditating during your drive in to work, or bring along some
reading or writing to do while you sit in the car. Using these lost minutes that are a part of
your day is a great way to find and make time for yourself.


5. Get synergistic.


The more used to making time for yourself that you get, the more you can start getting
creative with ways to do things that breathe life back into you too. A great way to do that
is with the “two birds, one stone approach.” Look for ways you can fit time in for you in the
things you already do.


For example, if you have a dentist or doctor appointment, leave a little early and reserve
15 to 30 minutes ahead of the appointment as time for reading, writing, or doing whatever
it is you want. Or maybe fashion is your passion, so you can dress for work in a fun new
maxi skirt or another piece that makes your feel put together and attractive. Or consider
taking a quiet lunch break by yourself where you can sit on a bench outside, soak up some
sun, and reconnect with yourself.


“Me time” is one of those things that most of us put at the bottom of the list. But, the more
you make it a priority, the more you will realize it’s not only good for you but that it’s good
for everyone around you too. Use these tips to start finding and making time for yourself,
and you’ll be well on your way to a happier, healthier life.

Three Ways Budgeting Can Reduce Your Stress Level


Finances are one of the most common sources of stress in many adults. For many people,
it seems as though there is simply not enough money to go around. You may feel tied to
your job because you need to make ends meet. You may take on debt regularly because
you do not make enough money to pay for all of your needs and wants. You may even feel
stressed by your financial future and how you will pay for retirement. These are only a few
of the many ways money can be stressful to deal with. The reality is that proper budgeting
can help you to lower your stress level by leaps and bounds in numerous ways.

Identifying Ways to Save

When you take time to create a detailed and accurate budget, you can see exactly where all
of your money is going every month. While this helps you to learn how to live within your
means, a budget can also help you to identify great ways to save money. For example, if
you learn that your current auto insurance premium is higher than average, you may be
able to find cheap car insurance to save money. After you review your budget, you see
that you are spending too much money on cable TV. Streaming TV services may be much
more affordable. These are only a few of the many ways that seeing your expenses
itemized in writing can help you to cut back on spending. This is the first step to take if you
want to get control of your finances and reduce your money-related stress.

Reducing Credit Card Debt

After you use your accurate budget to identify ways to scale back on a regular basis, you
may find that you have several hundred dollars or more each month freed up. If you are
like many people, you carry huge balances on your credit cards. You may think that the
primary cost of a credit card is the debt on your outstanding balance. The outstanding
balance is owed, but the cost of owing that money is the monthly interest charge. When
you tally up all of the interest charges that you are responsible for each month, you can
see that this is a huge amount of wasted money. The good news, however, is that the
amount of monthly interest charges will decrease regularly as you pay down your
outstanding balance. Therefore, with the money that you have freed up through
budgeting, make a focused effort to reduce credit card balances.

Saving More Money

If you live paycheck to paycheck, you essentially must receive your regular paycheck to
make ends meet. This means that you have very little money in your savings account. It
is easy to lose sleep at night thinking about what-if scenarios and how you may not be
able to financially survive if something bad happens. You may also feel stressed because
you are trapped at a job that you hate going to each day. When you have a sizable
amount of money in your savings account, you can sleep more easily at night. You also
may have the liberty to look elsewhere for a job that you may be happier working at. A
savings account can also be used to pay for extra purchases from time to time or to pay
for unexpected expenses. In this way, a savings account may help you to avoid taking
on credit card debt.

Money and stress unfortunately go hand-in-hand for many people. When you are troubled
by tight finances, your stress level can easily skyrocket. Budgeting is one of the most
effective ways to gain control over your finances. Each of these specific factors are linked
to budgeting, and they each can have a profound impact on your financial situation and
your stress level. Now is a great time to begin preparing a budget and identifying beneficial
financial improvements that you can focus on.