Cash Out: Five Smartphone Apps That Can Save You Money

Your smartphone can do a lot of things, but did you know that it can actually save you cash? A wide variety of personal finance programs are available for mobile platforms, and they can help you with a variety of tasks including money management, budgeting and more. Here are some smartphone apps that can save you money:

Mint
One of the most popular personal finance applications, the Mint app from Quicken consolidates all of your accounting into one handy place. It’s easy to monitor cash flow, expenses, invoices and more.

Bill Minder
Keeping track of all of your regular payments can be difficult, and missing a bill can lead to serious penalties down the road. The Bill Minder app lets you track all of your bills quickly and easily and sends you reminders before they’re due.

Grocery iQ
Keeping your food budget under control is an excellent way to reduce spending, and one of the best ways to do so is by bringing a list. The Grocery iQ app not only lets you put together a list the old-fashioned way, it also uses predictive text, barcode scanning and more to make it easy.

Gas Buddy
With fuel prices always rising, finding cheap gas can be a tricky proposition. This free app uses input from people all over the world to report prices and then lets you locate the cheapest gas in your area at the touch of a button.

How To Soothe A Sunburn

If you’ve spent a bit too much time in the sun, and are now suffering from irritating sunburn, we feel your pain. To help ease your scortching skin, try these simple and effective relief techniques that will help to soothe your burning skin.

  • Take a bath or shower in cool water. This will bring down your overall body temperature and soothe your aching skin.
  • Apply 100% aloe vera gel to alleviate the pain and promote healing.
  • Take a pain killer (such as aspirin or ibuprofen) to help ease the stinging and swelling.
  • Keep hydrated, and help your skin to heal and remoisturize by drinking extra H2O.
  • If your extremities are burned, keep them elevated.
  • If the sensitive skin of your eyelids is burned, place chilled, damp tea bags or a cool washcloth over your eyes to help soothe them.
  • Wear and sleep in loose-fitting clothing to reduce pain — clingy clothes will rub against the burn and agitate it.
  • After a burn, stay out of direct sun for a few days to allow your skin time to heal. If you must go out in the sun, keep the sunburned parts of your body covered with a hat and protective clothing.
  • If the burn is severe, and you experience blistering, fever, chills, or weakness, contact your doctor. Remember, do not pop blisters and do not apply lotions or gels to them.
  • To prevent future sunburns, remember to apply a sunscreen with SPF 30 or greater at least 30 minutes prior to going outside into the sun. Also, if you’re very sensitive to sun exposure, remember to wear a hat, long sleeves, and pants when you can. And lastly, be sure to reapply your sunscreen every few hours – especially after swimming or sweating!

Energy Bar Ingredients: 3 to Look for and 3 to Avoid

Energy Bar Ingredients: 3 to Look for and 3 to Avoid Energy bars, protein bars, nutrition bars, health bars, snack bars, food bars, granola bars…they go by many names but they all serve a similar purpose- to provide your body with fuel. Regardless of what you call them, it is wise to look at the ingredients to determine whether they are a nutritious choice or merely empty calories. They can be wholesome or they can be artificial and highly processed. Don't make judgments based on the marketing words on the front of the wrapper or box. Turn the product over and read what it is made of.

3 Healthy Ingredients to Find in an Energy Bar
• Whole Grains: Oats are common to find in energy bars. All oats are considered whole grains; there are various stages of processing but there are no refined oats to watch out for. Whole grains are a healthy source of carbohydrates and fiber to help keep you full. Whole wheat flour is okay also, but if it just says wheat flour (which is another phrase for white flour), then it is not a whole grain.

• Nuts and seeds: These are the "good fats" as well as an excellent source of protein and fiber. Any kind of nut or seed is a nutritious addition to your diet. Don't be alarmed if the fat grams seem high on a bar if the source is from nuts or seeds. Many people still associate fat from nuts and seeds with fat on their body and this is an inaccurate belief. Eating more calories than you need is what leads your body to store fat.

• Dried Fruit: The most natural sweetener you can get. Full of vitamins and minerals, which white sugar and high fructose corn syrup are lacking. Dates and raisins are commonly found in energy bars. It's okay to check out the sugar grams on the nutrition facts panel, but bear in mind that it does not differentiate between sugar from dried fruits and white sugar and corn syrup. See why it is so much more informative to read the ingredient list? 3 Ingredients to Watch Out For in an Energy Bar

• Sugar: This is number one and because it makes things taste good and it's cheap you will find it in most bars. You'll also see it listed as high fructose corn syrup. Higher quality bars will use dates, raisins, or other dried fruit to sweeten. You may find brown rice syrup or agave- a bit of an improvement over the white stuff, but not much. Determine how much is in the bar by looking at where the sugar falls in the ingredient list (ingredients are listed in order of occurrence by weight). If sugar is up near the top then you know it's got a lot.

• Partially-Hydrogenated Oils: Otherwise known as trans-fats. Most people know by now that these are the most dangerous type of fat out there. They are man-made and have been associated with numerous health issues. You'd never guess they could be lurking in a bar marketed as healthy but check that ingredient list to be sure.

• Artificial Ingredients: This covers a wide range of ingredients. Look out for artificial: colors, flavors, preservatives, and sweeteners. Basically avoid anything that you don't recognize as a real food in the ingredient list. A questionable ingredient is any protein isolate (usually soy or whey). This is not a natural food; it has undergone extensive processing. In moderation, this is fine- just try to stick mainly to the bars with more wholesome and natural ingredients.

Great Book Series for Young Adult Readers

Along with The Hunger Games, there's an abundance of amazing young adult series these days. Although there are many excellent ones to choose from, take a look at these particularly fantastic collections.

Luxe
This series of novels by Anna Godberson is set in late 19th-century New York and follows catty young socialites through romance and social . There's also a healthy dose of backstabbing and deception, making these works great fun to read.

The Books of Ember
Ember is the last known city in a dark, post-apocalyptic world. This is the setting for Jeanne DuPrau's series, and makes a fantastic backdrop for adventure across its four installments.

The Mortal Instruments
After witnessing a murder, Clary Fray and Simon Lewis get caught up in the world of shadowhunters, a secretive group devoted to fighting and killing demons. This compelling series by Cassandra Clare is full of suspense, romance, and humor.

The Underland Chronicles
This series by Suzanne Collins follows Gregor and his little sister as they fall into an incredible underground world. Upon meeting the creatures living there, Gregor learns that he may be the legendary "overlander" destined to save humanity.

Fun Facts About The Reality TV Phenomenon

There’s no denying it: reality TV is here to stay. But if you think this is a recent phenomenon, you have another think coming. Reality TV has been around since the earliest days of broadcast television. Here are some interesting tidbits about the genre.

The first reality TV show was probably Candid Camera, which debuted in 1948. Hosted by Allan Funt, the show was based around playing pranks on ordinary civilians using a hidden camera to observe their reactions. It was a huge hit and stayed on the air for decades.

One of the other precursors to modern reality TV was landmark PBS documentary An American Family, which placed cameras in dozens of locations around the house of the Loud family of Santa Barbara as they dealt with the biggest issues of the 1970s – divorce, homosexuality and more. It paved the way for shows like The Real World.

Reality television changed from an occasional diversion into a full-fledged fad around the turn of the century, with the debut of Survivor on CBS. The competition, which took people from all walks of life and deposited them into the wild to engage in challenges and win a million dollars, became an overnight hit.

The longest-running police program on TV is actually a reality show as well. COPS premiered on FOX in 1989, and has run for 23 successive seasons. The production cost for the show is negligible.

The other form of reality TV that has become more and more popular in recent years is the talent competition. These shows have their ancestry in programs like Star Search, but the breakthrough that shows like American Idol had was bringing back contestants week after week to let audiences build empathy and identification with them.

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Five Travel Adventures for Hikers

A walk around your local state park can be relaxing and fun, but if you want to up the “wow” factor in your hiking experience, try one of these dramatic journeys:

Tongariro Northern Circuit, Tongariro Reserve, New Zealand
Traversing a place of otherworldly beauty, this 20+ mile hike takes about three days, with comfortable lodging available in mountain huts. A highlight is a walk around active volcano Mt. Ngaurube, also known as Mt. Doom from the Lord of the Rings movies.

Zion Narrows, Zion National Park, USA
On a trail that has been named one of the best in the United States, you'll hike up streams through gorgeous sandstone canyons. About 60% of the hike is through water and affords unparalleled views of waterfalls and unexpected bits of greenery in the desert landscape.

Inca Trail, Peru
This four day hike, culminating in the ancient Inca site Macchu Picchu, takes travelers through the jungle and up to mountain peaks, passing three other Incan ruins on the way. The hike is a popular one and trips are well-organized, making this a great choice for hikers of all experience levels.

Kalalau Trail, Kauai, Hawaii USA
Walk along sheer ocean-side cliffs with views of some of the most lush and beautiful scenery in the world. This 11 mile trail can be hiked in one day but takes many hikers two, with camping permitted at designated spots along the trail.

Tour de Mont Blanc, France
Circle Europe’s highest Peak, Mont Blanc in the French Alps, in this 105 mile journey. Stunning views abound, featuring wildlife, deep blue alpine lakes, and enormous glaciers. The circuit is well-served by restaurants, cabins, and even cable cars and chair lifts for travelers who want to take a break!

Top Travel Blogs

A global medium, the world wide web makes it easy to share stories about places both near and faraway. If you love to travel, the web's a wonderful resource for finding trip ideas and maybe even simply admiring (with maybe — just maybe — a small touch of envy!) other people's travel plans. Live vicariously and get inspired by reading some of these great travel blogs:

So Many Places
Kim and Brian are living out a dream of selling all of their stuff and travelling the world. This blog tracks that adventure, and also explores the need for adventure and to embrace the world around you.

Aviators and a Camera
A photographer and travel writer full of wanderlust, Kristen updates her blog with stories of where her work takes her. This site also contains a lot of useful tips on iPhone photography.

As the Bird Flies
This comprehensive record of a young traveller's life is full of great info for travellers and non-travellers alike. With everything from book reviews to musings from the road, the blog is an inspirational collection of thoughts that will make you want to pack your suitcase.

Where's My Toothbrush
Well written and full of humor, this site is full of interesting stories and fun observations. Created as a sort of travelogue for the author's toothbrush, Where's My Toothbrush is always a charming and interesting read.

Johnny Vagabond
Johnny Vagabond is a blog with great tips for travellers and lots of wonderful personal anecdotes. Well organized and full of beautiful photography, this site has a friendly, conversational feel and an infectiously big heart.


 

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