Monday, April 19, 2010

Let's Talk Dirty

The next time you cut up chicken for dinner, do it on a clean surface: like your toilet seat. "It has the least amount of bacteria of all the spots in your home," says Charles Gerba, Ph.D., a professor of environmental microbiology at the University of Arizona. In fact, there are 200 times more fecal coliforms—otherwise known as feces bacteria—on the average cutting board than on the typical commode.

Sheets: You never really sleep alone
When you're rolling around between the sheets, you're basically rolling around in your own filth. Studies have found feces, salmonella, and E. coli on bed linens—even ones fresh out of a washer, Gerba says. His research shows that sheets can contain 0.1 gram of feces, salmonella, and E. coli after just one night's rest. That means they'd collectively contain about 10 billion microbes.
Your cleanup: Wash your sheets once a week, and make sure the water is hot

Water bottle: Bacteria to go
What better way to save cash and keep trash out of landfills than to drink from reusable plastic water bottles? Just don't let the bottles become bacterial bombs. Researchers at the University of Calgary found significant levels of coliform bacteria in 9 percent of water bottles used by elementary school students—suggesting that when thirsty youngsters open the bottles with dirty hands, they can dump a host of fecal matter into the water. When they empty the bottle, the damp, warm, closed space becomes a perfect breeding ground for bacteria. Your cleanup: Since water bottles tend to have narrow necks, they can't undergo a thorough cleaning in the dishwasher. If you must reuse your bottle, wash it with hot, soapy water and use a bottle brush. Feel free to reuse the bottle, as long as you wash it after every use and air-dry both the bottle and cap completely, Gerba says.

Gym bag: Have you ever cleaned it?
Probably not, but you should. Now. Think about it: Even though spray bottles are usually placed around gyms to wipe down equipment, most people don't use them. When you toss your clothes into your gym bag, the sweat from who-knows-how-many people transfers to the bag. Your cleanup: After you remove your gear, sanitize the inside of the bag with a disinfectant wipe. You can stash packets in one of the side pockets so they stay handy but separated from the clothes. But if the bag is machine washable, you should also toss it into the machine every week.

Carpet: Wall-to-wall germs
Your carpet probably contains about 200,000 bacteria per square inch, making it 4,000 times dirtier than your toilet seat. Rugs are botanical and zoological park. Hundreds of thousands of different types of species live there. These invasions occur because the average person sheds about 1.5 million skin cells every hour; these skin cells hit the rug and serve as food for germs. Add in food particles, pollen, and pet dander, and you have a gratis buffet. And since a vacuum cleaner's suction and rotating beater brush don't usually reach the bottom of the carpet, you're bound to have communities of E. coli, salmonella, staphylococcus, and other bacteria down there. Every time you walk on the carpet or roll around on it with your kids, you disrupt the bacteria, bringing some closer to the surface. Your cleanup: Hire a company to do a deep steam-cleaning at least once a year, and consider covering high-traffic areas with machine-washable area rugs.

Remote control: Channels of high-def filth
One day we'll change channels using our brain waves. When that day comes, we'll all be a lot healthier, because 50 percent of television remotes tested positive for rhinovirus, according to a University of Virginia study. The rhinovirus can live there for a few days, and other germs can survive for up to a few months, thanks to the many hideouts found amid the rubber buttons and various LEDs. Ever have popcorn with your DVD movies? You're making matters worse. If you eat something greasy, then cough in your hands and go back to the remote, you've deposited an organism with some oil, which offers the germs protection on a device that isn't cleaned very often to begin with. Your cleanup: Sanitizers don't work well on remotes because you can't get the cleaner into the cracks. Try a plastic-sleeve protector that can be wiped clean daily with a disinfecting wipe or other type of sanitizer. When you're traveling, bring along a few ziplock bags to slip onto the remotes in hotels.

Watchband: Time's up
Ever wonder why leather watchbands start to stink after a few months? That smell is most likely caused by microbes, possibly Staphylococcus aureus, a type of bacteria that can cause skin infections. Because leather is porous, it absorbs sweat and skin cells that serve as food for bacterial growth. Your cleanup: Rubber and plastic are safer than leather because they don't absorb sweat as readily, and they can be cleaned with soapy water. If you prefer a leather strap, wipe it down once a week with a leather cleaner

Things that aren't gross
We live in a microbe-laden world. But there are things you don't need to be particularly obsessive about. Here are three of them:

1. Your hairbrush. The only reason you'd want to clean out the brush would be to remove gel or spray residue and unclog hair from the bristle. Infections from hairbrushes are rare, she says. So if those residues and hair knots don't bother you, leave them alone.

2. Your jeans. There are no studied health risks associated with wearing most clothing items several times without washing them. (Your underwear, however, contains feces, and needs to be washed after each wearing.)

3. Your body. Daily showering strips away necessary oils and some of the 150 good kinds of bacteria found on your skin, says New York University microbiologist Philip Tierno Jr., Ph.D. The bacteria guard against pathogens that can cause infections. The average person can shower every other day—or at least skip one shower a week, Tierno says.

Five Signs He's Not Over His Ex

So, you've met your latest Mr. Right Now but something seems a little "off." Are you freaking out for no reason or are your fears real? The love sleuths at Betty Confidential discovered Five Signs He's Not Over His Ex!

1. He Jumped Right Into Your Relationship. Captain Fantastic may say he's over his last love, but if he swung right into your arms chances are he avoided the grieving process entirely. A good clue that he's done is if he can talk about it candidly and admit what went right --and wrong.

2. He Fell For You Before His Relationship Ended. Yes, charmers like JOHN EDWARDS and TIGER WOODS can talk a good game about how their wives don't understand them, but the truth is that's who they're going home to! Remember the old saying --if he does it with you, he'll do it to you!

3. When It Comes to His Ex, He Only Deals in Extremes. Does he snarl when her name comes up or talk about her constantly? Neither are good signs. A good way to discuss the subject is by suggesting you have a conversation about past relationships, what went wrong and what needs to be done differently.

4. He Can't Break the String. If your man has children with another girl or they were together for a long time there's some reason to stay in touch. If neither applies and he likes to correspond, voice your concerns --if he gets defensive that's a major red flag.

5. He Obsesses Over the Remnants of the Relationship. Do you catch him stalking her Facebook page or reminiscing with old photos? Mr. Wonderful is definitely not recovered from the love gone wrong. This doesn't mean your twosome can't work out, but understand you'll be part of the grieving process.

Wednesday, April 14, 2010

Last Minute Tax Stuff You Need To Know

Your taxes are due today, postmarked by midnight tonight.

Postage meter postmarks aren't acceptable.

It'sthe taxpayer's responsibility to use correct postage. IRS doesn't pay Postage Due.

Forms are available at Post Offices, many public libraries, and online at http://www.irs.gov/

Other Tax Stuff:

If you can't file today, you can file an extension (form 4868) which gets you until Oct 15 to file (though you'll still have to pay any taxes owed, and what you don't pay, you'll have to pay interest on). Hint: if you owe, pay, even if you delay filing. You can even get an installment payment plan from the IRS online.

What's the IRS looking for this year? The number of big corporations audited by the IRS has dropped in the past 20 years. Instead, more midsized and small firms are facing reviews.
It should also be noted that Congress has cut the IRS budget at the same time the agency has hired Higher-priced private contractors to collect tax debts. So what money is there doesn't go as far.

Common mistakes: not signing the return (that's the biggest), bad math (that's the second biggest), forgetting to include a check (if you owe money), and including enough postage. Last thing you want is to get your forms back with insufficient postage, and then get penalized for filing late.

If you owe, don't make your check out to the initials "IRS." That's because if the check falls into the wrong hands, they can change the "IRS" to "MRS" followed by someone's name. Instead you should write out the entire three words "Internal Revenue Service."

Don't have the money to pay what you owe? You can propose an installment plan by attaching Form 9465 to your return. The IRS will answer within 30 days. They'll also charge you 13% interest on past-due balances.

Maybe you're getting a refund? About 78 percent of us will, and usually, it's because we overpaid our taxes all year long. Ideally, you want to pay or be owed within a hundred bucks. To figure that out, you need to ask your employer to revise the tax withholding from your paycheck (the lovely W-4).

Waiting for a refund? You can call the IRS Teletax number to find out if it's ready and on its way, or if there's a problem. Call 800-829-4477.

Questions? There's an IRS taxpayer help line, open from 8 am to 5 pm. 800-829-1040. Keep in mind, though, that helpers don't always give correct info. A Congressional study last year found they were wrong 40 percent of the time, and if you follow their wrong instructions, it's not their fault, so double-check everything.

It's a good idea to photocopy all your tax forms and keep your own records. The IRS loses an average of 2-million documents a year.

For whatever reason, some people never get their refunds. They've moved or provided an incorrect address. The IRS has nearly $100 million in undelivered tax refund checks. Think you're due? Call 'em: 1-800-829-1040, or go to the "Where's My Refund?" section on the IRS home page at irs.gov.

Tuesday, April 13, 2010

Better Gear Up- Higher Interest Rates are Coming!

After 30 years in which the cost of borrowing money always seemed to go down, the NY Times says American consumers are suddenly going to have to deal with a "sustained period of rising interest rates."

These rising rates are likely to quickly affect the housing market, just as things looked like they were starting to turn around. Higher rates could reverse that trend seeing as though the total cost of a home can rise by as much as 19 percent when interest rates increase one percentage point.

Meanwhile, consumers have already been seeing their credit card rates go up, and they're likely to continue going that route, as will car loans.

The expected increase is due to several reasons, including:
--Rising government debt
--Incentive programs used to keep interest rates low during the financial crisis are coming to an end
--Fear that a recovering economy could bring back inflation

Friday, April 9, 2010

What to do with your IRS Refund

So you just got a big, fat check from the IRS and your thoughts immediately wander to the shoe department, right? Might wanna hold it right there! You might want to consider a few different ideas before heading out for some retail therapy. KIMBERLY LANKFORD of Kiplinger's Personal Finance magazine suggests paying off high-interest credit card debt, rebuilding your emergency fund, boosting your retirement savings, building the college account for your precious little ones or throwing that cash into an IRA for the kids.

--Start a Side Business: Many of the world's most profitable ventures were kicked off with less than a thousand-bucks!

--Invest in a Home Improvement Project: Planting a few trees or adding a programmable thermostat can save you thousands in energy costs.

--Open a "Car Replacement Fund": That bucket of bolts won't run forever, ya know. Save a few bucks when you can and you could pay cash for your next vehicle!

--Build a Square Foot Garden: It's the perfect season to plant and you'll save a mint at the grocery store by growing your own produce.

--Give It Away: The thought could be too selfless for most of us, but send that check to charity and you'll probably get a fat deduction next year.

--Pay Extra on Your Mortgage Balance: This one is a no-brainer. Although that big year-end deduction may seem tempting, saving three-thousand on taxes can equate to paying tens of thousands more to your mortgage company!

--Get Your Will Done. Yep, you may have to hand your precious cash over to a lawyer but it's simply a necessity --especially for parents.

--Purchase a Gym Membership: Money talks, baby! Chances are you'll get a month or two free if you pay up front.

--Take a Class: Always wanted to speak fluent Arabic or cook like JULIA CHILD? Use this opportunity to invest --in yourself!

--Go on a "Paid-For" Vacation: Blow the bank away from home. You'll probably enjoy your jaunt a lot more knowing there's no ugly bill after your week in paradise has come to an end.

--Create a "Car Insurance Savings Account": If your deductible is a mere $250 you could reap some financial benefit by raising that number to $1,000 --just make sure you save the money and earn some interest while you're at it.

Thursday, April 8, 2010

Teach Your Kids To Be Finacially Savvy

Every parent wants their child to succeed in life --but how do you teach them the value of a dollar? Modern Mom offers a few suggestions for financially-savvy kids!

--Start Early. Experts say the sooner you teach the little ones about cash, the better. A side benefit is that it also gives them real-life experience with another important subject --math!

--Open a Bank Account. This is a great way to start a discussion about money, banking and how to hold on to what you have.

--Pay for Performance. Doing chores for free is an important life skill and shows your little bundles of joy that it's their job to pitch in and help out. If they do "bonus" jobs, hand them a little change as an incentive.

--Goals. Does Junior really want the latest Wii game? Don't automatically make an early-morning run to Wal-Mart and part with your hard-earned duckets. Have them set goals so they can understand the concept of saving.

Wednesday, April 7, 2010

Snookied

Overnight guy Jay Long wanted to try to give me the Snooki look because he says I kinda look like her. I say he's insane and I also say I'm glad he's a DJ and not a stylist.

Tuesday, April 6, 2010

What Ever Happened to Elian Gonzalez

After losing his mom while fleeing Communist Cuba in an inner tube in 1999, little six-year-old Elian Gonzalez was caught in the center of an international custody battle between the U.S. and Cuba.



It's been 10 years. So what's Elian been up to? The 16-year-old is now a member of the Young Communist Union of Cuba. Here's what he looks like now:

Thursday, April 1, 2010

Spring Cleaning Tips and Tricks

Gonna be perfect spring cleaning weather on Saturday, so if you’re planning on sprucing up the house before the family visits for Easter dinner, here are some tips and tricks for you:

Stinky microwave: Nuke a bowl of water with a few slices of lemon.

Musty smell: Odor-killing light bulbs like Fresh2 and O-ZoneLite

Pet fur on fabric: A spray bottle with one part liquid fabric softener to six parts water. It kills the fabric charge that makes pet hair cling.

Soiled toys, etc: Use the dishwasher for everything from toys to oven grates to refrigerator drawers to shower caddies.

Marked-up scuffed walls: some WD-40 works better than repainting. Spray and wipe away with a damp sponge.

Dusty electronics, including TVs and computer screens: Use one of those dryer sheets. It removes dust and kills the electric charge that attracts grime in the first place.

Prince Charming or Prince Not So Charming?

Congratulations, you've found your latest Prince Charming! A man that's attentive, loving and pretty much perfect, right? Um, maybe not! Glamour magazine claims Major Yum could be harboring a few things deep inside his handsome little head that he'll never, ever tell you! Here's a glimpse at some random thoughts ping-ponging around your man's noggin:

--You're not the only woman I've "been" with at this party.
--Sometimes I miss being single
--My Mom's cooking is definitely better than yours.
--Your best friend is really hot --much like your sister!
--I've gotten dizzy from sucking in my gut --more than once.
--Finally... I’m really, really scared that you’re gonna break my heart one day.