7 Areas Where You Should Not Use Vinegar As a Cleaning Product.


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Hi there my lovelies! Hope you are doing well and staying safe. We all love working on DYI projects, who wouldn’t? It rewarding the journey itself is so meditating and satisfying. Similarly, in this world of harsh chemical and pollutants we strive hard to use natural ingredients and reduce the carbon footprint. One such ingredient is vinegar. It’s not only good in food and a great natural cleaning product. I know I love using it for cleaning. However, did you know that there are several places we should not be using vinegar? Today, I will share with your 7 such areas.

  1. Marble & Granite countertops: Using vinegar to clean your granite or marble countertops can ruin their smooth, shiny surface. The acidity in vinegar may scratch the granite top and leave a dull or discolored spot behind. ee06b4e8b0ef5d10119237b6568965b4
  2. Waxed Furniture: Using vinegar to clean your waxed furniture will dissolve the wax and leave the surface looking dull and discolored. Hence, use a wax cleaning solvent instead to maintain the surface of your furniture. Slate-Floor-Care-and-Maintenance
  3. Stone Floor Tiles: If you have natural stone tiles anywhere in your house, avoid cleaning them with vinegar, lemon, or ammonia. The acidic nature of the products etches and dulls the stone, and it may lead to a very expensive repolishing process.Egg Spill
  4. Egg Spills: Cleaning egg messes with vinegar solution will cause the protein enzymes in the egg to coagulate or clot and will make the stains even more impossible to clean up. So, if you drop egg, it is better to use just soap and warm water instead.                                                    DO-NOT-MIX
  5. Mixing with bleach: Vinegar is a great tool in washing cloth, to give it a fresh look and get rid of the musty smell from your clothes. However, BEWARE. Don’t add bleach to that mixture. Mixing vinegar and bleach creates a toxic gas which not only bad for you, it’s even worse for your clothes. Check out the list of chemicals that should never be mixed from the Family Handyman website.                   twilight-sj-_28_
  6. Hardwood Floors: According to Family Handyman, cleaning hardwood floors vinegar varies depending on the finish of your floors. Using vinegar on some hardwood floors will damage the finish. While it’s best to use a cleaner specifically designed for cleaning finished hardwood floors, if you heavily dilute the vinegar with water or other cleaning ingredients, your floors should be fine. However, if you don’t want to take that risk, a safer, DIY solution is a mixture of liquid detergent and water. That’s what I use.                                                vinegar pearl
  7. Pearls: Pearls looks beautiful and elegant and it’s made of marble, limestone, and calcium carbonate. Hence, if pearl is exposed to vinegar, the calcium carbonate in the pearl will react with the acidity in the vinegar, causing it to dissolve. In order to avoid damaging your pearls, Family Handyman recommends cleaning them with a soft cloth dipped in a solution of lukewarm water and mild dish soap.

How many of us made the mistake of cleaning the above surface with vinegar. I know I did it once, but fortunately, the surfaced was ruined in that first clean.

My dear lovelies! I hope you enjoyed this post as much as I enjoyed share it with you. I want to thank Family Handyman for the beautiful tips. I am not someone who would take credit for someone else’s work. As a scientist, my academic and ethical integrity is very important to me. What techniques have for you for daily cleaning? I would love to hear your feedback.

Hope you enjoyed my post as much I enjoyed writing it. Please leave your comments.

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Kitchen Decor: From Meh to Yeah


Hi there my lovelies home you all are doing well and staying safe. Have you looked at your kitchen and just said meh. I myself has that same problem until I saw this beautiful store in Etsy. I have seen a lot of DYI projects but I am not a crafty person with wood, I paint but am not good with wood.

I went online and ordered a wood stove top cover through Sawyer Custom Crafts . I chose a custom stove top and I thought it was it. What made me amazed how much Mr. Rick kept in touch with me regarding the progress of the order. He always kept me in the loop. I have worked with so many sellers in my life but never someone as kind and responsive as Mr. Rick. Right after the placement of the order, Mr. Rick contacted me regarding the design I wanted. He asked for specific measure in order to make sure it fits properly.

He sent me pictures along the way, and kept me informed. I cannot tell you how reassuring it was. When I received the item I was very much impressed. I loved the product I received and I am forever grateful to Mr. Rick for the beautiful final product and exceptional customer service.

My dear lovelies! If you like what you see and want to help out a small business, please check out the Sawyer Custom Crafts in Esty. Just use promo code SAWYER27 to receive 10% discount on your order. I am not affiliated the store, nor am I getting paid to promote them. I just wanted to share with you the beautiful experience I had thanks to Mr. Rick and Sawyer Custom Crafts.

Hope you enjoy the post as much as I enjoyed sharing my wonderful experience with you. I would love to hear if you had similar experience from a seller. During this time of uncertainty, it’s really nice to see the attention and care some people take in their work, and that reflects on their product.

In the meantime don’t forget to checkout my Facebook PageYouTube channel, and bloglovin page, My Amazon recommendations. Please follow me.

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Healthier Fried Rice Recipe


Hi there my lovelies! Hope you all are doing well and staying safe. Do you love fried rice but don’t rice the extra fat associated with fried foods and its havoc on our stomach and health? Then wait no further. Today I will share a healthier fried rice recipe from my mom’s book. I know that healthy and fried don’t go together but the recipe that I am about to share with your is sensitive stomach friendly and safe your belly

Ingredients:

  1. One large onion (cubed)
  2. Five cloves garlic (minced)
  3. Two cups of cubed chicken breast (I used antibiotic free chicken breast strips).
  4. Three different color bell peppers (half of each and cubed).
  5. Five cups of Jasmine or Basmati rice (you can also try gluten free brown rice. I often substitute with organic gluten free brown rice for a healthier touch).
  6. Eight cups of water (you can substitute with four cups of water and four cups of low sodium chicken broth, or just 8 cups of low sodium chicken broths for extra flavor. It’s still healthy).
  7. Three Tbsp of canola oil (both canola oil and avocado oils are great healthy options).
  8. Six eggs (or just 7 egg whites).
  9. Four thai chilies for a little kick (completely optional).
  10. Salt and peppers for taste.
  11. Cilantro and green onions for garnish.
  12. Optional cayenne peppers, hot pepper flakes if you like spicy.

Instructions:

  1. Cut onions, and bell peppers, and chicken breast into cubes.
  2. Mince garlic.
  3. Add 3 tbsp of canola oil in medium heat and heat for 3-5 minutes, and scramble 6 eggs (or just egg whites as preferred).
  4. Remove scrambled eggs and add bell peppers and saute for 5 minutes. Add salt and pepper for taste.
  5. Remove bell peppers and add the onions and garlic. Saute for about 5 minutes until translucent. Add salt and pepper for taste. You can also add cayenne peppers, hot pepper flakes to an extra kick to the dish. You can also add additional garlic and ginger powders (1 tsp of each) to extra flavor.
  6. Add chicken breast and saute until cooked.
  7. Add the rice and saute for few minutes. Stir for about 5 minutes.
  8. Add chopped thai pepper if needed, and add water (or broth). And cover in cook in high heat until the liquid starts boiling. Then lower the heat to low to medium heat and cook until the rice is cooked and the liquid evaporates.
  9. Add back the bell peppers and stir for few minutes.
  10. Add cilantro and green onion to garnish before taking off from heat.
  11. Serve and enjoy.

My dear lovelies! Hope you enjoy this healthy dish. I remember that when I was one a strict diet last year, this is one dish that I my stomach could handle (of course there was no peppers or any spice).

Hope you enjoyed my post as much I enjoyed writing it. Comment as to how yours came out. I would love to know what modifications you made and what would you suggest to make the dish even more flavorful.

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My Ultimate Fight Against Bloating and Water Retention:


Hi there my lovelies! Hope you all are doing well and staying safe. Have started various diets and workout challenges just to stop and give up in the middle? Then you are not alone. I have probably now gone through several of this ‘so called’ diets and workouts just to give after few days.

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Before I talk about any workout and diet let me first give you a short background about my heath. I suffer from severe chronic pains, and being in few car accidents and a nasty fall aggravated such pains. Additionally, several gastrointestinal issues has not only restricted the diets I could get into, but also cause horrible bloating and water retention. After every meal, small or big, my stomach would bloat so much that I would look as if in my third trimester. I call is my gas baby, because that’s exactly what it is. It happens when large amounts of air or gas build up in the gastrointestinal tract. Eating is a common cause of bloating because when the body digests food, it produces gas. People also swallow air when eating or drinking, which then enters the gastrointestinal tract.

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As a public health and data driven person, I needed to find out what are the real culprit behind bloating and what happens if I eliminate one by one. So begins my search. Bloating can be caused by several culprits/

Common triggers of bloating:

  1. Stress
  2. Fizzy drinks
  3. Diet
  4. Lack of exercise
  5. Eating too quickly
  6. Dysbiosis
  7. IBS
  8. Food intolerances

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Stress: In order to address stress, I started relying a lot on Mindfulness Based Meditation (Look Out for My Repost Tomorrow). The main goal of mindfulness based meditation is living in the moment. My dear lovelies, if you are a regular to my blog you may already know about my struggle with generalized anxiety symptoms and ADD. I will post detail post about each later. One of my regular regiment for dealing with stress and anxiety is being present in the moment. I actually took part in a stress study, where biofeedback mechanism was used to control stress. It’s then I actually got a measurement of extremely high stress level. That what the beginning of my mindful meditation journey. Through techniques as deep breathing and guided meditation I have learned to control my stress and anxiety. There is a saying:

That’s exactly what I have learned from mindfulness based meditation. Through mindfulness yoga and my trusty guided tai chi app in my Occulus Quest. Do visit my blog tomorrow for more detail information about guided meditation and a bonus video.

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Frizzy Drinks:Any carbonated drink (yes, even sparking water) can cause bloating. The fizzing bubbles in carbonated drinks are actually gas, which can get trapped in your stomach and make you feel like you’ve been pumped with helium. I have eliminated fizzy drinks from my diet complete. Though I have seen some improvement but I have a long way to go.

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Diet: Certain food in your diet can increase bloating. Diets such as, beans, lentils, carbonated drinks, onion, cruciferous vegetables (broccoli, cabbage, cauliflower), diary, garlic, apple, wheat, rye, barley (commonly found in cereal), sugar alcohol (found in sugar free gums), and beer. If you have problems with bloating, then chances are that a food on this list is the culprit. That being said, there is no reason to avoid all of these foods, only the ones that cause you problems personally. If you find that a certain food consistently makes you bloated, then simply avoid it. No food is worth suffering for. That being said, don’t stop eating every, but opt for complex carbohydrates, such as quinoa and sweet potato wedges, over cous cous and regular chips. Opt for papaya instead of watermelon and drink nut milk as opposed to cow’s milk.

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Lack of Exercise: Gas is a normal part of digestion, but how much you have depends on many variables, including your diet, when and how fast you eat, and the efficiency of your digestive system. One way to ease bloating discomfort is to get moving. Although you might feel like taking a nap after a big meal, walk for 10 to 15 minutes instead. Walking, jogging, calisthenics, and other types of exercise can help stimulate the passage of gas through your digestive tract. Lack of exercise can cause constipation, so you may feel like taking a nap after a large meal but getting in 10-15 mins of exercise can be really beneficial. Whether it’s running or walking, most forms of physical activity will help expel gas that causes pain and get your digestion moving.

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Eating too quickly: Drinking or eating too quickly increases the amount of air a person swallows, which can lead to more gas building up in the gastrointestinal tract. For people who eat or drink quickly, this may be a cause of bloating; slowing down the rate at which they eat might help to reduce the problem. Hence, I have made it a habit of chewing my food at least 10-20 times before swallowing. Yeah I know, I have taken it from the book of Sheldon Cooper from Big Bang Theory.

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Dysbiosis: Dysbiosis means that the ecosystem of microbes living in your gut has become imbalanced or dysfunctional. When dysbiosis occurs and the environment of the gut changes, levels of microbial byproducts such as methane and hydrogen can ramp up. I myself have suffered from dysbiosis, and have been put on antibiotic for that. I really did see an improvement on bloating level. Additionally, I have also found low FOBMAP diet to be very helpful. I will add another post on that diet.

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IBS: Uncomfortable and unflattering bloating is one of the main symptoms of irritable bowel syndrome (IBS), along with abdominal pain, gas, diarrhea, and constipation. All of the symptoms are frustrating, but bloating can really make you feel down. IBS is a common disorder that affects the large intestine. Signs and symptoms include cramping, abdominal pain, bloating, gas, and diarrhea or constipation, or both. Some people can control their symptoms by managing diet, lifestyle, and stress. Others will need medication and counseling.

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Food Intolerance: A food intolerance, or a food sensitivity occurs when a person has difficulty digesting a particular food. This can lead to symptoms such as intestinal gas, abdominal pain or diarrhea. Food intolerance involve the digestive system. Food allergies involve the immune system. With a food allergy, even a microscopic amount of the food has the potential to lead to a serious or life-threatening reaction called anaphylaxis. Whether you have lactose intolerance, gluten intolerance, or even sucrose intolerance, it will effect your digestion. Talk to your physician or gastroenterologist you have any symptoms after eating certain food. I would suggest keeping a food diary and noting symptoms after each food.

My dear lovelies! I hope you enjoyed reading this post as much as I enjoyed reading this post.  I wanted to share with you things I have gone through and learned from my experience. Hope this post allows you have to move towards a more healthy and less gassy journey.

In the meantime don’t forget to checkout my Facebook PageYouTube channel, and bloglovin page, My Amazon recommendations. Please follow me.

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“By going with what’s happening rather than expending energy fighting or turning away from it, you create the opportunity to gain insight into what’s driving your concerns”.

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Fizzy Drinks: I remember how much I used to love soda and even when I was just 90 lbs, how my stomach will swell up after drinking any fizzy drinks. According to Go With Your Gut author and nutritional eating coach Robyn Youkilis, any carbonated drink (yes, even sparking water) can cause bloating. The fizzing bubbles in carbonated drinks are actually gas, which can get trapped in your stomach and make you feel like you’ve been pumped with helium. That’s why I have eliminated fizzy drinks from my diet, and yes I have one less culprit to my extreme bloating.

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Diet: There are several diets that can cause stomach bloating. Avoiding, or even eliminating those food can be really helpful in alleviating painful stomach bloating that making it harder for you to zip up those favorite jeans for the evening party. We’re talking about the temporary abdominal distention that plagues most everyone from time to time. Michael Jensen, MD, an endocrinologist and obesity researcher at Mayo Clinic, says:

“It is a myth that bloating in the stomach is from fluid accumulation in healthy adults, because the abdomen is not a place where fluids accumulate first. Instead, you would see it in your feet or ankles as long as you are upright.”

To avoid this, eat a diet high in fiber (25 grams per day for women and 38 for men) from whole grains, fruits, vegetables, legumes, nuts, and seeds. Also, drink plenty of fluids (aim for 6-8 glasses a day). I myself try to avoid cruciferous vegetables, such as cauliflowers, cabbage, and broccoli to avoid bloating.

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Lack of exercise: Aim for physical activity for at least 30 minutes, five times a week. This is where I have failed each time. As I am mentioned before, due to my chronic pain and recent accidents, many exercises are too much for me. Each time I tried doing Pilates, and plank exercise I have broken my metatarsal bones. Let just say, I am not restricted to only low impact exercise. However, thanks to a recent video that I found online, I am beginning to challenge myself to exercise more. Stay tuned to learn more about the challenge and my journey.

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Eating to quickly: Eating fast not only increases your risk of becoming overweight and obese, it’s also linked to other health problems, including: Insulin resistance. Eating too quickly is linked to a higher risk of insulin resistance, which is characterized by high blood sugar and insulin levels. It can also lead to build up of sodium in your body, which in turn lead to water retention in your body and increased bloating. Stay tuned for my mindfulness mediation post where I will discuss more about mindful eating. So slow down and enjoy your food. Your meals should last at least 30 minutes. Also, keep in mind that digestion begins in the mouth and you can decrease bloating just by chewing your food more. I am making it a habit of chewing my food 15 to 20 times before swallowing. Yes my lovelies, I have taken this from the book of Sheldon from Big Bang Theory.

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Dysbiosis: It is a term for a microbial imbalance or maladaptation on or inside the body,such as an impaired microbiota. Dysbiosis may be caused by such diverse things as antibiotic or mold exposure, alcohol misuse, or inappropriate diet. Disruptions in the microbiome can allow outside factors or even pathogenic members of the microbiome to take hold in the gut environment. Dysbiosis has been reported to be associated with illnesses, such as multiple chemical sensitivity, periodontal disease, inflammatory bowel disease, chronic fatigue syndrome, obesity, cancer, bacterial vaginosis, and colitis. Probiotics such as in supplement and in greek yogurts, kimchi, and kaffir to balance this microbiome and improve your gut health.

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IBS: Irritable bowel syndrome or IBS, is a common disorder that affects the large intestine. Signs and symptoms include cramping, abdominal pain, bloating, gas, and diarrhea or constipation, or both. I more one has been diagnosed with IBS long time ago by my Gastroenterologist. IBS is a chronic condition that you’ll need to manage long term. Many people have worse IBS symptoms when they eat or drink certain foods or beverages, including wheat, dairy products, citrus fruits, beans, cabbage, milk and carbonated drinks. Stress can also trigger IBS symptoms. Again, stay tuned for my post on stress reduction tips.

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Food Intolerance: Several food intolerance can cause heavy gas and bloating. In tolerance to wheat, lactose, and even sucrose can play a big role. I suggest keep a food diary and start with a Low FOBMAP diet (Stay tuned for the post) and add one food at a time after 6 weeks on the diet. Keep track of what foods are causing symptoms. This will sure to rout out the culprit(s).

My dear lovelies! Hope this post helps you start your journey towards the a flatter stomach. Don’t forget to come back tomorrow and find out more about my stress reduction journey, where I will share with you a special video.

Hope you enjoyed my post as much I enjoyed writing it. What symptoms of swollen belly has you suffered from? What worked for you and what didn’t?

In the meantime don’t forget to checkout my Facebook Page, YouTube channel, and bloglovin page, My Amazon recommendations. Please follow me.

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A Virtual Tour of Our Organic Garden


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Hi there my lovelies! Hope you all are doing well and staying safe. Today, I will give you a virtual tour of our organic garden. I want to start by giving a shout out to my amazing dad, who not only had to risk his life everyday during the stay-at-home order, to do his job, but also had to take care of my mom, who suffered through lingering pneumonia for 4 months, and aggravation of her interstitial lung disease.  During the past four months he wore the had of a heroic essential worker, a super dad, and home maker, and a loving and care husband. We love you Abbu (dad).

With everything going on, he also took care this our beautiful organic garden. He did not add any pesticides or artificial stuff, but only organic compost and soil, and organic food.  Today, I am very proud to share with your the fruit of this labor, and hard work. Hope you enjoy this garden. Please share and comment to give a shout out to my amazing dad, who not only rose up to the occasion when needed but also nurtured my mom to 85% better health.

Hope you enjoyed my post as much I enjoyed writing it. What kind of vegetables, fruits, and flowers are you planting in your garden? What tips can you provide for a vibrant garden? What did not work for you?

In the meantime don’t forget to checkout my Facebook PageYouTube channel, and bloglovin page, My Amazon recommendations. Please follow me.

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Nine Tips to Make Your First Time Home Buying Process Easier


Hi there my lovelies! Hope you all are doing well and staying safe. Have you made a major decision in your life only to regret it later? You specially don’t want to do it when it comes to buying house for the first time. Trust me, I have been there. Home buying process for first time home buyers is already intimidating, full of uncertainty, painful, full of anxiety, and stress. Hence today, I will share with you five and more tips to make your first time home buying process much easier.

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  1. Know how much you can afford:
    This is a crucial step because going into the home buying process without knowing how much you can actually afford can lead to financial hardship down the road or even foreclosure. I have seen this happen. You don’t want to buy house for a price, which is higher than you can actually afford. You should be able to pay you monthly mortgage and have at least 3 to 6 months of payment reserved. The general rule of thumb is the monthly mortgage plus tax and insurance should not exceed 30% of your gross monthly income. The lower amount would be even better. This way you will have some buffer room. Moreover, always anticipate additional expenses outside your monthly mortgage payment. As a home owner, you are responsible for all repair cost. Most homes have home owner association (HOA) monthly fee, so do count that as part of your monthly mortgage payment plus taxes and insurance.
  1. Get Pre-qualified for home loan:
    Many sellers will not even let you make any offers on your home without been prequalified for home loan. This is actually a great way to have your ducks in row. You will know how much you can afford. Do shop around. It’s sometimes hard to get loans from big banks. Check out your local small banks and credit unions. Lending Tree is a great site where you can shop around for your loans.

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  1. Get your credits in order:
    Make sure that your credit is in order. I will add another post on how to boost your credit. You can check your credit for free at annualcreditreport.com. You should check your credit report every year to make sure your account in good shape and there are no discrepancies. Additionally, you should also know your credit score. Credit Karma is a great site where you can get your credit score for free. The higher your credit score, the better the interest rate you will qualify for. Not many lenders would not even consider your loan application below 620 score.
  1. Save for your down payment and closing cost:
    The amount of down payment will depend on the type of loan you are getting. There are various type of loans available:
    i. FHA Loan: FHA loan is issued by an FHA-approved lender and insured by the Federal Housing Administration (FHA). Designed for low-to-moderate-income borrowers, FHA loans require a lower minimum down payments and credit scores than many conventional loans. With FHA loans, your down payment can be as low as 3.5% of the purchase price. You’ll need a credit score of at least 580 to qualify. If your credit score falls between 500 and 579, you can still get an FHA loan provided you can make a 10% down payment. With FHA loans, your down payment can come from savings, a financial gift from a family member, or a grant for down-payment assistance. Majority of FHA loans require you to may a premium mortgage insurance (PMI) each month. This added expense can drive up the cost of your monthly mortgage payments and, overall, makes your loan more expensive. However, it’s almost unavoidable if you don’t have a 20% or more down payment saved up.
    ii. Conventional Loan: A conventional mortgage or conventional loan is any type of home buyer’s loan that is not offered or secured by a government entity. Instead, conventional mortgages are available through private lenders, such as banks, credit unions, and mortgage companies. Conventional mortgages typically have a fixed rate of interest, which means that the interest rate does not change throughout the life of the loan. Conventional mortgages or loans or not guaranteed by the federal government and as a result, typically have stricter lending requirements by banks and creditors. No property is ever 100% financed. In checking your assets and liabilities, a lender is looking to see not only if you can afford your monthly mortgage payments, which usually shouldn’t exceed 28% of your gross income. A credit score of at least 680 and, preferably, well over 700 can be required for approval. Also, the higher the score, the lower the interest rate on the loan, with the best terms being reserved for those over 740. Typically, adown payment of at least 20% of the home’s purchase price readily available. Lenders can and do accept less, but if they do, they often require that borrowers take out private mortgage insurance and pay its premiums monthly until they achieve at least 20% equity in the house.
    iii. VA Loan: A VA loan is a $0-down mortgage option issued by private lenders and partially backed, or guaranteed, by the Department of Veterans Affairs (VA). Eligible borrowers can use a VA loan to purchase a property as their primary residence or refinance an existing mortgage. Service members with a history of bankruptcy or foreclosure can secure a VA loan. Even borrowers who have had a VA loan foreclosed on can still utilize their VA loan benefit. The VA’s guaranty eliminates the need for any mortgage insurance or mortgage insurance premium, helping borrowers save even more money each month. However, there is the VA Funding Fee. This fee helps the VA keep the program going and is required on both purchase and refinance loans. It can be rolled into the loan amount and waived entirely for those with service-connected disabilities. The VA funding fee is 2.3% of the amount borrowed on a VA home loan. The fee increases to 3.6% for borrowers who have already used the VA loan program in the past. However, the funding fee can be reduced by putting at least 5% down at the time of closing.
    iv. USDA Loans: USDA loans help moderate- to low-income borrowers buy homes in rural areas. You must purchase a home in a USDA-eligible area and meet certain income limits to qualify. Some USDA loans do not require a down payment for eligible borrowers with low incomes. Credit requirements are more relaxed in USDA loans, and you don’t need a large down payment. Nonetheless, you should expect to pay mandatory mortgage insurance premiums that cannot be canceled on some loans.
    Closing costs, also known as settlement costs, are the fees you pay when obtaining your loan. Closing costs are typically about 3-5% of your loan amount and are usually paid at closing. Typically the buyer pays closing costs, though sometimes negotiations between the buyer and the seller can lead to the seller paying some of the closing costs. However, don’t count on it.

5. Get a good real estate agent:
Having a knowledgeable real estate agent if crucial a good home buying experience. You can get an agent specializing in buying and selling, or someone who specializes just in buying homes. I would rather go with the later one since this way you will assured that the agent is not trying to get you to buy one of his/her listing. Ask your family and friends for recommendation and also do your homework. You would want agent who has sold many homes than some who sells 1 or 2 homes a month. My agent was horrible who did not want to do much research. He put a lot of pressure on us to buy soon. Don’t go with anyone, who is only interested in their commission and does not understand what you are looking for in a house.

6. Study the neighborhood:
This is very important. If you heard the phrase ‘location, location, location’, it is very true. Do your homework on the neighborhood you are interested in, it’s school district, walkability, and convenience to groceries and other stores. If you a city dweller and am looking to buy in suburb, make sure you know what you are getting into. I grew up in the city, never owned a car, and was used to walking everywhere, relying on public transportation and everything in walking distance. When I bought my first home, I went from a neighborhood with walk score of 98 to one with a walk score of 22, which meant I had to invest on a car after buying my house. It added additional monthly cost (both car payment and car insurance payment) to my monthly expense. Additionally, you don’t want to buy a house where there are mostly rental properties. Your house price will not rise much and it will be harder to resell.

7. Don’t invest on anything big:
Before buying your house, hold off on buying any big purchase, such as large furniture, car, because this may effect your credit score. Making any large purchases will increase your loan and will put a dent on your credit. Do take that info account.

8. Get your home and termite inspection done:
This is very important to get this done, because as a first time home buyer would not want to move into your first home and find one issues after another. When we had our home and termite inspection done, there were several issues, including broken washing machine and garbage disposal, mold and termite issue. That should have been a red flag for us. However, our agent negotiated with the seller to fix all those issues and assured us that all the issues were taken care of. However, down the road we found that there were issues with the dryer, and the seller patched up some termite damages on the stairs without fixing the issue. We had to end up replacing the entire stairs, which was expensive. You want to make sure that the major appliances are in great shape. This again when a good real estate agent can be of great help. Our agent told showed us that all appliances where brand new and we should be good for a long time. However, after buying the house we found out that the dishwasher was not connected to the waterline properly when meant that the dishes never dried. I should not rely completely on your agent but at the same time you want someone who is empathetic and understanding.

9. Get home warranty:
Make sure that you have home warranty before buying your house. One of the great thing is most sellers do offer some sort of home warranty. Our real estate agency paid of our first year home warranty. That was a life saver, because after we moved into the house during summer, our hvac and water heater stopped working. That was a big hassle because it was hot and painful to be in without working a/c. Thanks to the home warranty we got the issues fixed and just paid the deductible. The warranty was specially helpful when my hvac system died on me. My warranty helped to replace it for me. Now, home warranty is regular part of home payment.

My dear lovelies! I wish someone told me these tips before I bought my house. Home buying can be chaotic, painful, hassling, nerve-racking, and even hectic. However, the above tips will make the first-time home buying process much easier.

I hope you enjoyed this post as much as I enjoyed writing it. Have you recently bought you first home? I would love to hear about your experience and feedback. Please share your first time home buying experience and what tips would you provide to first time home buyers?

In the meantime don’t forget to checkout my Facebook PageYouTube channel, and bloglovin page. Please follow me.

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My Journey Towards Financial Freedom


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Hi there my lovelies! Hope you all are doing well and staying safe. As we are all struggling to find some sort of normalcy, many are dealing with being laid off , due getting laid off, furloughed, and/are struggling to pay their rent/mortgage and bills.

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I am grateful and extremely thankful that I had and still have a full time job. However, due to the rising cost of everything and other issues, I have racked up a hefty credit card debt. on top of my student  and car loans, and mortgage. Me, from a year ago, would have been devastated with constant panic attacks. Nonetheless, one thing the pandemic has taught me is that life is too short and there is no point getting sick about all things though I have become an insomniac. I am still a human.  As someone with ADD, it’s very easy for me to loose track of things. Today, I will share with you my journey towards financial freedom by following few rules.

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  1. Hide Credit Card: The first thing that I did is put away all my credit cards away to a place where I don’t have easy access to .
  2. Create a Spreadsheet: As a  data person, I do much better if I can visualize where I am now and where I want to be. The spreadsheet showed me the credit card balance, student loan, car loan. I then subtract the amount I pay each month minus the interest charge to estimate of about the time frame when I can realistically pay off the my credit card debt.
  3. Look at the Spreadsheet Periodically: I periodically check the spreadsheet and compare it against the actual balance. Seeing the trends of lower balance acts a positive reinforcement for me. It encourages me to stay on the current path towards debt elimination.
  4. Staying on Budget: Finally having a written budge and sticking to that budget allows me to stay on track and avoid paying late fees.

My dear lovelies!  I am still int eh early phase of my journey towards financial freedom, but with your moral support, I hope to stay on track and reach the finish line. I would love to hear about your strategies in gaining financial freedom. Any advice I get will be of tremendous help to me.

One thing that  have learned for sure that loosing hope is not an option for me, because it’s contraindicated for someone living with ADD and generalized anxiety disorder.

I hope you enjoyed this post as much as I did sharing my journey with you.

In the meantime don’t forget to checkout my Facebook PageYouTube channelTicktock and bloglovin page. Please follow me.

————————Happy Reading ———————————–

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The Ultimate Fashion Trends of 2020


Here there my lovelies! Hope you are doing well.  The pandemic may have bump on lots of our plan. However, one it cannot do is force how we feel. I for one feel great when I continue to style myself and follow my beauty regimen (The natural look). Hence, don’t give into the pandemic. Rise yourself and become the chic self you have always been. Today, I am going to share with you the fashion trends of Summer and Fall 2020.

Summer Fashion:

Linen: This fabric has always been an obvious choice for combating hot temperatures. This year retainer have been quick to offer a lot of variations of linen and mix. Clothing So, stay cool in the summer heat with because linen pieces.

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Linen Shorts: The floral and fruity prints brings out a chic tropical look that all want. In addition, we get the coolness from the linen fabric.

Linen Shirt:  Linen shirts can be worn multiple ways, from laying with a tank, to tucking the shirt into denim shorts or linen pants, and pairing with your favorite summer sandals.

Neon Colors: Neon colors will have a strong presence this summer. It’s the time to wear your brightest brights and choose poppy colors that reflect the clear change in weather. In other words, don’t be afraid to stand out.

Bucket Hats: These hats are another trend this season. It not only protects you from the elements of the weather but also adds a chick look to your ensemble. Think of the bucket hat as a must-have accessory like your favorite ring or chain neckline. You never want to leave home without it.

Puff Sleeves: This 80s-inspired silhouette has been around since last year. It’s the perfect easy-to-wear detail that takes any simple top from ordinary to exceptional.

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Black T-Shirts: If done right the black T-shirt is the most versatile piece in your wardrobe. Whether it’s a simple tee or a babydoll t-shirt dress, polka-dot top or a crop, you can get the most out of this versatile piece. It’s time to give your tees the attention they deserve by layering them under a flirty slip dress, pairing them with some leather hot pants and sexy stilettos, or sporting one with an unexpected detail to bring new life to a tried-and-true classic.

White Button-down Shirt: This piece adds a chic flare to your summer wardrobe. You can’t go wrong with this one.

Fall Trends:

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The Year-Round White Dress: A sheer, floaty, feminine white dress became the uniform for many women, inclement weather. Lingerie looks, all shades of nude, and some seriously interesting sleeve work are also at play.

The Glitz: Morphing into a human disco ball is the number one cure for situational sadness, according to experts.

The Big Fur: With our unpredictable weather patterns, we have no way of knowing if next season’s fall and winter will be all sunshine and heat spikes or blizzards and polar vortexes. But if it’s the latter, we’ll be well prepped in some seriously statement-making furs.

Metalic Flare: Metallic cloth will add a chic and bold statement to you Fall wardrobe.

Sequins Dress: Like metallic ensemble, sequence add chic and boldness to your wardrobe. Wear it with knee boots for night or  chunky sneakers of a bold daytime look.

My dear lovelies! Hope you enjoyed this post as much as I had writing it. We all have our fashion styles. However, if you are trendy person, this will well-prepare your for your chic and stylish ensemble.

What are some of your trendsetting wardrobe pieces for 2020. I would love to hear from you.

In the meantime don’t forget to checkout my Facebook PageYouTube channelTicktock and bloglovin page. Please follow me.

————————Happy Reading ———————————–

 

Five Tips to Have a Fabulous Vacation without Breaking the Bank


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Here there my lovelies! Hope you are doing well. I know vacation is the last thing in our mind during pandemics, but is it? I for sure, can’t wait to things go back to a new normal, and travel is one such way to feel normal. Additionally, budget constraints may be put holiday thoughts in the back burner for you. However, it does not have to be the case. If you plan early you have a wonderful vacation without breaking the bank. I will share my own five tips to have a wonderful vacation without breaking the buck. Following these tips has allowed me to go on more vacations then the entire childhood.

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1. Air fare and hotels rentals to your favorite vacation spot: This may sound like a far-fetched idea, but it can within your reach. I had same thought process for years until I learned about this rewards point tip for a friend. My friends, there are various credit card companies that will give you hefty rewards for using their cards. Many cards have this introductory bonus available if you spend certain amount during the first three month. This might seem unattainable but if you think about it, it’s very much within reach. Check out the following rewards program:

a. Hilton Honors American Express Card: Here, not only there is no annual membership but you can 75,000 bonus points if you spend $1,000 within the first 3 months of the card membership. Additionally, there are no foreign transaction fees. Furthermore, for each dollar of eligible purchases on your card at U.S. restaurants, at U.S. supermarkets and U.S. gas stations, you get 5x Hilton honors points, 3x points for other eligible purchase.
b. United Explorer Card Through this card you get 40,000 bonus miles if you spend $2,000 within the first 3 months of the card membership. Additionally, there is no annual fee for the first year, but you have to pay $95 annual membership fee after the first year. One perks that I really like about this card is that I get two check-in luggage free. Knowing how much the airlines charge for check-in bags, it’s a good perks to have.
c. Chase Marriott Bonvoy Bold Card: Through the Bonvoy Bold Card you earn 50,000 bonus points if you spend $1,000 within the first 3 months of the card membership. Additionally, there is not annual fee involve. You can choose to apply for the Bonvoy Boundless Card for a $95 annual fee, and you earn 100,000 bonus points if you spend $3,000 within the first 3 months of the card membership. 100,000 points will give you 15 days free stay at the vast list of Marriott hotels.
d. Capital One Venture Card: With this card you are eligible for 50,000 bonus miles when you spend $3,000 within the first 3 months of activating the card, and you receive unlimited 2x miles for every $1 spent. If the spending requirement sounds intimidating just remember one thing. I was in the same boat but I have decided to pay my phone, utility, cable, car insurance bills, groceries through the reward cards and pay it right away as I would do through my bank. Before I knew, I have enough points to have a free vacation to Hawaii with my family, which was in my bucket list for a very long time.

2. Plan ahead: Planning ahead is a great way to make your amazing vacation dream come true without breaking the bank. I have planned each of the vacation that I have taken a year ahead. This allows you to have time to shop around for the best deals and save up for the vacation.

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3. Take Advantage of the Various Travel Booking Sites: There are various sites available for great travel deals. Site such as Kayak, Expedia, TripAdvisor, Booking.com, Priceline, Orbits, CheapOAir, Google Travel, Trivago, Hotels.com (for hotels), and app such as hopper to find the best flight and hotel deals for your travel destination. Often when you shop around early you can often get the best deal available.

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4. Sign Up for the Free Loyalty Programs: Hotels such as Hilton, Marriott, Hyatt, and airlines such as Jetblue, Southwest, American Airlines, Delta, United Airlines all have free rewards program so that you can earn mileage and rewards points for every time you book through them. If you need to travel for business, signing up for the loyalty programs will really come to your advantage. For example, my cousin who constantly travels for work has accumulated a lot of mileage and hotel points to use for dream vacations. If you have to travel for work, use that to your advantage. Additionally, being part of the travel reward programs allowed me to receive emails about various deals, such as Southwest and Jetblue’s one-day deals starting at $49.

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5. Save your changes: Every day we spend money to pay for bills, groceries, and other miscellaneous expenses. If you set up to automatics changes for each of your expenses, before you know you will have enough money for your vacation. The money that you would not have paid attention to anyway will help to have your dream vacation. I have also saved for my vacations for setting aside the changes from the cash I spent and before I knew it, I had few hundred dollars to use during my vacation.

My dear lovelies! I am not trying to promote one site over another, but merely sharing from my own experience so that you can have your own vacation without breaking the bank. I grew up seeing vacation as a privilege. However, with cheaper flights and hotel deals along with the above tips have put vacation within my reach. They have allowed me to travel to places like Canada, Bahamas, Orlando, Chicago, Atlanta, Minnesota, and my favorite Hawaii.

Hope these tips help to prepare for your dream vacation without breaking the bank. I hope you enjoyed this post as much as I enjoyed writing it. I would love to hear about the tactics you use to prepare for your dream vacation frugally. I would love to hear about your ideas.

In the meantime don’t forget to checkout my Facebook PageYouTube channelTicktock and bloglovin page. Please follow me.

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The Easiest Way to Invest for Your Future


Hi there my lovelies! Hope you all are doing well and being safe. Have you thought about investing but don’t know where to start. The past decade I have been struggling to figure out a way to invest outside my 401k. To be honest, the word invest intimidated the heck out me. Where do I even start? I can’t afford invest a lot of money. That is when I found out about Robinhood. It’s a free investment platform, where you can buy fraction of a stock like google, Amazon, Apple, Facebook, Netflix for as low as $1.

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There are several companies that provide free investment opportunities. Firms including Charles Schwab, Robinhood, Square, SoFi and Stash all allow investors to buy fractional shares of individual stocks and, in some cases, ETFs, for $1 or more. I ended up choosing Robinhood. The process of signing up was quite simple and easy to follow. I am not investing outside of my 401k for retirement. I am investing to use three to five years down the road.

My dear lovelies, if you are putting off investment because it’s intimidating, or you don’t think you have enough to invest then check out the above firms. Hopefully, the investment process will be simple and smooth for you and you will well on your way to a better future. If you don’t know where to invest consider the following recommended by Motley Fool: Amazon, Apple, Facebook, Google, Microsoft, Netflix, Chewy, Fastly, Zoom, Shopify, Square, Oka.  Motley also highly recommends their “FAZER stocks”.  (F-Fastly, A-Appian, Z-Zoom, E-Elastic, R-Roku.  I am in no way a stock expert. I have a novice. But doing some research and following expert recommendations, my stocks increased between 0.85% to 286.26%. Don’t get me wrong I have dozens of stocks which decreased from 0.07% to as high as 55.13% since I started investing in late January. However, the one thing that I have learned is in order to succeed you have be in for a long run. Hence, I am patiently waiting. I have learned not to look at my stocks everyday and mini anxiety attacks.

Ups and downs are the name of the investment game. However, if you sell your stock every time it goes down, you will not succeed. Your goal for investment should be at least 3 to 5 years.  Trust me, it’s a learning curve but with patients and doing your homework will lead you to success. As for me, before deciding to panic about my stocks, I try avoiding looking at my stocks everyday and just keep my eye on the finish line and l know that it will be all worth it at the end. I have sold some stock based on my homework, but those were exceptions based on expert recommendations.

Hope you enjoyed reading this post as much I enjoyed writing this post. During this time of uncertainty, it’s very easy to lose hope. Trust me, I am sleepless thinking about the amount of debt I have. However, if we stay focused and stay on our path, we will overcome. I would love to hear your feedback about investment: what worked for you and what didn’t. Wish you the best on your investment journey. If you have any questions don’t hesitate to contact me. I will be honored to share my experience, as a novice myself.

In the meantime don’t forget to checkout my Facebook PageYouTube channelTicktock and bloglovin page. Please follow me.

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