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22 Alternative Uses for Baking Soda

A gentle swap for scouring powder

The best thing about scouring powder is its abrasive action. The worst is the harsh chemical smell. To get all the benefits without the caustic chemicals, use baking soda instead. In most instances, baking soda will work just as well as scouring powder.

Simply clean tiles

For an easy, natural tile cleaner, mix together ¼ cup baking soda and 1 gallon warm water. Scrub with a sponge or mop, then rinse. For tough stains, wait 10 to 15 before rinsing.

Love your grout again

Is there anything more satisfying than nice, clean grout? A simple paste of 3 parts baking soda and 1 part water is all you need. Make a new batch each time you plan to attack the space between your tiles.

Remove scuffs

To get rid of scuff marks left on vinyl flooring by dark-soled shoes, rub some baking soda into the spot with a wet rag. The marks will disappear.

Show off crystal-clean crystal

To clean your cut crystal, mix a teaspoon of baking soda with warm water, then dab it onto the crystal with a soft rag. Rinse with water, and buff with a dry, soft cloth.

Supercharge your detergent

To boost the power of your dishwasher detergent, sprinkle a little baking soda in the dishwasher every time you run it. It will also help fight foul odors before they start.

SEE ALSO: Who Knew's 12 Dishwasher Tips and Tricks

Know this skillet saver

The teriyaki chicken you made for dinner was delicious, but the sweet sauce left terrible black burns on the bottom of your frying pan. To clean it, first sprinkle the pan with ¼ to ½ cup baking soda, and fill the pan halfway with water. Bring the water to a boil, and the burned pieces should start to release. When most of the pieces are removed, turn off the heat, dump the water, and wash as usual.

As the water boils, you may want to use a spatula to help the process along. 

Get better-tasting coffee

The secret many of us miss: Make sure you clean your coffee maker regularly. Just add several tablespoons of baking soda to your pot, fill it with water, and run it as usual. Then repeat using only water.

Tackle tough appliances

If you haven’t had time to clean up and now there’s dried-on food stuck in the blades of your blender or food processor, bring baking soda to the rescue. Add 1 tablespoon baking soda along with 1 cup warm water to the bowl, put the lid on, and let it blend for 10 to 15 seconds. Wash as usual.

Perk up your plastic

Have plastic storage containers with lingering odors? Wash them with hot water plus 2 tablespoons baking soda.

I can’t even count how many times our boys have left something to fester in a water bottle or thermos! Simply fill the container with hot water and ½ cup baking soda, then let it sit overnight. In the morning, rinse well and it should be as good as new.

The brightest white cabinets

White kitchen cabinets can be beautiful, but they can also show grease, dust, and dirt more than their darker counterparts. To keep them looking their best, add water to a small amount of baking soda until it’s a runny paste. Scrub the mixture on the cabinets, and then rinse with warm water.

Simple step to a shiny sink

For a spectacularly shiny finish on a stainless steel or aluminum sink, rub a liberal amount of baking soda in a circular motion all over its surface with a damp sponge.

RELATED: Domestic CEO's How to Clean Your Sink

Disposal smarts

Instead of throwing away baking soda when it’s finished its 30-day stint in your fridge, dump it down the garbage disposal with running water. It will keep your disposal fresh, too!

Freshen rugs and upholstery

Sprinkle rugs, couches, and upholstered chairs with baking soda and let it sit an hour before you vacuum. It will keep them cleaner and fresher over the long haul.

Sprinkle some baking soda into the bag of your vacuum cleaner to keep it smelling fresh.

Save money on delicate detergents

Use this homemade solution: Dissolve 1 cup baking soda in 1 cup warm water. Add the solution directly to your standard washing machine, or add it to the soap dispenser of a front loader. The baking soda will clean your clothes without harming their delicate fibers.

All-Natural Fabric Softener: Just add ¼ to ½ cup baking soda to the wash cycle.

Erase wall marks

What’s the easiest way to remove crayon, pencil, ink, and furniture scuffs from painted surfaces? Sprinkle baking soda on a damp sponge, rub clean, and rinse.

Vinyl siding super-cleaner

From bird poop to tree sap to standard weather damage, vinyl siding can get very dirty. And while brand-name cleaners will no doubt get the job done, they tend to be costly and loaded with toxic chemicals. Instead, combine baking soda with enough water to form a paste, then scrub into your siding with a damp rag until the stains lift. Rinse off with a hose and, if necessary, repeat on stubborn stains.

Lift oil stains

Cleaning oil spots off the driveway is difficult, and the cleaners can be quite expensive. Instead, sprinkle baking soda over the stains, then rub with a wet scrub brush soaked with hot water. The baking soda breaks apart oil particles, so with a little elbow grease, you can have your driveway looking new in no time.

Clean battery leaks

If battery acid leaks inside the compartments of your appliances, there’s no need to throw them away. Simply take a few spoonfuls of baking soda and add water until it’s the consistency of toothpaste. Spread it on your battery terminals, let it sit for 15 minutes, and wipe clean. The acid should come off easily.

Must-try for musty books

Place the books in a paper grocery bag with an open box of baking soda. Fold over the bag, staple it shut, and let it sit for a week or two. Your books should smell considerably better when you take them out.

Refresh suitcases

Is your suitcase a bit musty? The night before packing, pour a cup of baking soda in it, close it, and shake. In the morning, vacuum up the baking soda and the smell should be gone.

Get gloves on more easily

Sprinkle a little baking soda into each of your latex gloves, and they’ll stick less when you’re putting them on and taking them off.

If you have kids, you’ve had to clean up vomit. Baking soda can make the job a little less gross if you sprinkle some on top as soon as possible. It will soak up some of the mess and make the smell easier to deal with when you have to go at it with the paper towels.

Source: quickanddirtytips.com

How to Create Your Own Retirement Plan

One of the good things of working for a company is that they create a retirement plan for you. As an employee, you don’t have to do anything else but to participate in the plan. However, when you’re self-employed or a small business owner, you’re responsible of setting up your own retirement plan.

When it comes to operating your own business, time is of the essence. However, even if you’re crazy busy, saving for retirement should be a priority. Indeed, a retirement account allows you to contribute pre-tax money, which lowers your taxable income.

Luckily, a financial advisor can help you save time and help you choose the right plan that is best for you. Below are four retirement saving options you can create as a self-employer individual.

1. Solo 401k

A solo 401k is for small businesses or sole proprietors who don’t have any employees other than a spouse working for the business. The solo 401k mirrors a typical 401k plan that most companies offer. The main difference is that you can contribute as an employee and employer.

In other words, because you’re both the boss and the worker, you get to contribute in each capacity. That in turn allows you to contribute a higher amount each year. However, your total yearly contributions cannot exceed $58,000 or $64,000 for individuals age 50 or older as of 2021. To set up a solo 401k, you have to get in touch with a financial institution.

2. SEP IRA

If you’re an independent contractor, self-employed, or has a small business with 25 employees or less you can set up a SEP (Simplified Employee Pension). It’s very easy to establish and don’t even require you to incorporate your business to qualify.

In a SEP IRA, the employer alone contributes to the fund, not the employees. You can contribute up to 25% of your annual salary or $58,000 in 2021, whichever is less.

3. Keogh Plan

Keogh plans are available to self-employed people, including sole proprietors who file Schedule C or a partnership whose members file Schedule E. This type of plan is preferable among those who have a high and stable income.

But the main advantage the Keogh has is the high maximum contribution you can make. In 2021, you can contribute up to $58,000. To set up, you will need to work with a financial institution such as Charles Schwab. 

4. Simple IRA

The Simple IRA was created by the Small Business Protection Act to help those who work at small companies to save for retirement. The small business can offer the plan if it has 100 or fewer employees.

Both the employer and the employee can contribute up to $13,000 in 2021, plus an additional catch-up amount of $3,000 if you’re 50 or older. If a company offers a Simple IRA, it must match an employee’s contribution dollar for dollar, up to 3% of each participant’s annual salary or make a nonelective 2% contribution to all employees.

Where to Invest Your Keogh, SEP IRA, Solo 401k, Simple IRA

As a small business owner, there is always an investment program that suits your needs for your IRA, SEP, Keogh and solo 401k. Places such as banks, brokerage firms and mutual funds institutions such as Vanguard, Fidelity, Charles Schwab are great options. But before opening account, make sure you consider how much money you have, your appetite for risks, the annual fee, etc.

The Bottom Line

If you’re a small business owner or self employed, you should take advantage of the tax benefits offered by these plans mentioned above. Creating a retirement plan is important, because not only will you be able to grow your retirement savings faster but also no one is going to do it for you. 

Related:

  • 4 Simple Ways to Accelerate Your Retirement Savings
  • How to Retire at 50:10 Easy Steps to Consider

Tips on Retirement Planning

Retirement planning can be a major challenge, but you don’t have to go in it alone. Speak with a financial advisor who can help you come up with a unique plan based on your circumstances and situations. Use SmartAsset advisor matching tool to get matched with fiduciary financial advisors in just 5 minutes.

 

The post How to Create Your Own Retirement Plan appeared first on GrowthRapidly.

Source: growthrapidly.com

11 Coffee Hacks for Flavor, Stains, and More

Flavor tips

Obviously, coffee is the best part of every morning. But if your coffee needs a pick-me-up, we've got you covered. 

Make coffee more drinkable

If you’re sensitive to acidity in coffee but love the pick-me-up in the morning, here’s a way to reduce the acid level: Just add a pinch of baking soda to the drink! You can also use this tip to decrease the acidity in other high-acid drinks and foods.

Save your cream

If your cream or half-and-half has begun to develop an “off” odor, but you desperately need it for your coffee, try mixing in 1/8 teaspoon baking soda, which will neutralize the lactic acid that is causing the cream to sour.

Before you use the cream, however, taste it to make sure the flavor is still acceptable.

SEE ALSO: Grammar Girl's Why Do We Call Coffee a 'Cup of Joe'?

Perk up your coffee

Make stale coffee taste like it’s just been brewed by adding a pinch of salt and a dollop of fresh water to your cup. Heat it up in the microwave, and you’re ready to power through the rest of your workday. Works for me every time!

Remove coffee stains

These stubborn stains aren't going to get themselves out! 

Chase coffee stains

Coffee stains can be frustrating, but you can get them out of your carpet by pouring beer on them. That’s right—one great beverage deserves another! Just dribble a couple of sips onto the stain, and it should vanish. Dab up the extra beer with a paper towel, and if the coffee stain doesn’t go away completely, repeat the task a few more times. This trick works on tea stains, too.

Get creative with stains

If you can’t get a coffee or tea stain out of a white tablecloth, try one last solution. Soak the tablecloth in a bucket of strong coffee or tea (depending on the type of stain) for 2 hours. You won’t get the stain out, but you will dye your linen a lovely earth tone!

RELATED: Who Knew's How to Remove Almost Every Stain

Other ways to use coffee

Who knew that you could use coffee for reasons other than getting out of bed in the morning? 

Share some coffee

Here’s an ingenious idea for an elegant-looking decoration that also smells wonderful! Place coffee beans in votive holders or small bowls, then add tea light candles. They’ll cast a pretty glow and make your home smell like coffee.

Try vanilla-scented tea lights if you love the smell of French vanilla coffee.

Surprising use for a coffee bean

To freshen your breath, try sucking on a coffee bean. It’s much cheaper than a breath mint, and tastes great to us coffee addicts!

Reach for a coffee filter

We always prefer to clean our windows with something reusable, like an old rag. But if you like to go the disposable route, try coffee filters instead of paper towels. They won’t leave behind any lint or paper pieces. Coffee filters work great for electronic screens as well—they grab dust without scratching or leaving streaks.

SEE ALSO: Domestic CEO's No Mess Camping Coffee

Perfect wood patch

If you need to repair a hole in a piece of wood, add a small amount of instant coffee to the spackle, or to a thick paste made from laundry starch and warm water. The coffee tints the paste to camouflage the patched-up spot.

Freeze out funk

Add a shallow bowl of freshly ground coffee, uncovered, to your freezer. Leave for a few days and any funky freezer odors will disappear.

Cover up with coffee.

Would you ever imagine coffee stains could be a good thing? For your damaged wood furniture or floors, they are. Just brew a very strong pot, and then use a cotton ball or rag to apply the coffee over the scratch. It works as a stain, and will blend in the scratch in no time!

Source: quickanddirtytips.com

17 Tips to Transform Your Outdoor Space

Whether it's improving your garden or making your patio BBQ-friendly, these clever tips will have you taking your space to the next level, all for practically nothing.

Beautiful Natural Spaces

1. Bring in the Birds
Don’t throw out those net bags that onions and citrus fruits come in! In early spring, fill them with anything that might appeal to nest-building birds: pet hair, human hair, lint, plant clippings. Then tie off the bag and hang so birds can help themselves and nest nearby. You can use the same bags to serve suet to your feathered friends in the winter.

2. DIY Birdbath
Want to try a birdbath but don’t want the expense and commitment of those heavy commercial types? Simply use a sturdy tomato cage as your base, topped with a round drainage tray for potted plants. It’s easy to move and very affordable! Place some colorful marbles or pebbles in the tray before adding water—the brighter the color, the better to attract birds.

3. Get Reddy for Hummingbirds
These fast fliers are attracted to red. But if your garden color scheme is less fire engine and more pastel, you can fake it. Just wire some red silk flowers around the garden until they discover nectar-filled flowers you’ve offered in other colors.

4. Make Your Own Nectar
Don’t spend money on hummingbird nectar when it’s so simple to make! Just dissolve 1 part sugar in 3 parts water, then add a few drops of orange extract or orange juice. Use it immediately, or keep it in the fridge for up to 2 weeks.

5. The Butterfly Water Cooler
Butterflies like puddles to gather around and drink. Make a butterfly water station out of an old cookie sheet or big saucer lined with gravel. You can also “plant” an old mug up to its rim in the soil, and fill it with water when rainwater doesn’t keep it supplied.

6. Baby Your Garden
Got some old baby gear in the basement or attic? Make your family wonder by getting it out! Then take it outside. Baby gates, spindle cribs, and even the metal springs from cribs make easy trellises you can train flowers or vegetable vines to climb.

7. Stones From a Tree
Having a tree taken down? Put it to good use! Cut some “slices” (about 2 inches thick) to use as stepping-stones.

8. Mulch with Souvenirs
Every beach vacation, we bring home more shells and stones than we can use for decoration around the house. So we now bring many into our outdoor spaces. They make perfect mulch and accents around plants, just like purchased pebbles from home centers (without the steep price)!

Outdoor Problems Solved!

9. A Sweet Concrete Cleaner
Powdered lemonade mix can come to the rescue to help scrub away stains on your concrete! Simply add a few drops of water to the drink mix, just enough to form a paste. Apply the paste to a concrete stain and use a stiff scrub brush to scrub the area clean.

Entertaining Ideas

10. Lanterns for Much Less
Trendy outdoor décor stores sell lanterns for a pretty penny. But you can make your own with all kinds and sizes of jars—from baby food and minced garlic to pasta sauce and even large pickle jars. Once they’re clean with the labels removed, simply place a votive candle in the jar. You can add pebbles or sand to the jar to raise the height of the candle or steady a taller candle. Want a hanging lantern? Fine-gauge wire can be bent to form a handle, with the rest wrapped around the mouth of the jar to secure.

11. Create Your Own Luminarias
Have empty tin cans you can repurpose? Fill them with water and freeze overnight. Once frozen solid, you can use a large nail and hammer to punch holes in a decorative design on the cans. Need a guide? Draw the design you want with a dry-erase marker that you can wipe off later. After the design is complete, simply let the water thaw, empty, and dry the can. Light a tea light inside for your own custom luminaria!

12. Color Swatch Your Lights
White string lights can go from simple to sensational with a trip to the paint counter—or maybe even your junk drawer! Collect some paint swatch strips in fabulous, bright colors. Curl them into cylinders (with the color sides facing out) and secure with clear tape. Slip one sleeve over each bulb on your light string, and attach it to the wire with tape or a small binder clip. Magical mini lampshades for free!

13. Ladder Up
Need more serving space while entertaining? Place plywood planks across the rungs of a stepladder. Runners can cover the plywood for a fancier look. Now you have a tiered serving station for food or drinks that tucks away again until the next time you need it!

14. Protect Those Drinks
Keep bugs out of drinks by supplying cupcake liners. They easily slip over the tops of cans and glasses. And you can pop a straw through them if desired. Put a stack in a mason jar for a pretty display that you can label with the intended use.

15. Forget the Ice
Replace the ice for your drink cooler, tub, or kiddie pool with frozen water balloons. To make them, fill the balloons two-thirds full and stick in the freezer. When the drinks are gone and the ice has melted at the end of the day, have fun!

16. Condiment Cleanup
Repurpose inexpensive, clear soap dispenser pumps as condiment servers. You’ll upgrade your picnic table from plastic bottles, and make topping that burger or hotdog easier, with less mess.

17. S’more Solutions
Is it feeling crowded around the fire, or are flames rising too high for kids to toast s’mores? Line terra-cotta pots with aluminum foil. Then add charcoal and light. These handy little cookers allow each person to have their own fire to toast marshmallows with ease. Sticking with one big fire but need to toast a lot of marshmallows for the hungry masses? Use a clean metal rake to fit them all over the fire at once.

Source: quickanddirtytips.com

Accredited Asset Management Specialist (AAMS)

What is the AAMS certification?New financial advisors need something to help them stand out. Consequently, the AAMS does just that. Designed for newcomers to the financial advice business, the AAMS trains advisors to identify investment opportunities as well as help clients with other financial goals. It also gives more experienced advisors a fast and simple way to learn more about asset management and improve their credentials. Here’s how it works.

AAMS Defined

An Accredited Asset Management Specialist (AAMS) can advise clients on college savings, taxes, and retirement savings. The course and tests for this certification are designed to ensure advisors can assist clients with their complete financial needs. It emphasizes evaluating the client’s assets and making appropriate recommendations.

The AAMS certification is granted by the College for Financial Planning, a unit of the Kaplan Company. The college oversees a large number of financial certification programs, including the Certified Financial Planner designation, one of the most valued certifications in the field.

AAMS Certification Requirements

What is the AAMS certification?

To receive an AAMS, students first have to complete a 10-module education program provided by the College for Financial Planning. Then they have to pass an examination. Finally, they must agree to abide by a code of ethics and promise to continue their education.

The courses are online and can be delivered in self-study or instructor-led formats. Courses are open-enrollment, therefore students can begin at any time without waiting for the next session.  The 10 modules cover the following material:

1.:The Asset Management Process

2. Risk, Return & Investment Performance

3. Asset Allocation & Selection

4. Investment Strategies

5. Taxation of Investments

6. Investing for Retirement

7. Deferred Compensation and Other Benefit Plans

8. Insurance Products for Investment Clients

9. Estate Planning for Investment Clients

10. Fiduciary, Ethical, and Regulatory Issues for Advisors

The College of Financial Planning provides everything necessary to study for and complete the modules and take the test. Students have access to the study materials and tests through an online portal.

Streaming video lectures, audio files, and interactive quizzes also can be found through the college’s site. Meanwhile, students can access live classes online and contact professors with questions and issues.

The AAMS Test

To get the AAMS certification, students have to pass just one test. However, they have to make their first attempt at the test within six months of enrollment and pass it within a year.

The fee for the first attempt at taking the test is included in the course tuition. There are no prerequisites for signing up to take the AAMS course.

Time and Money Requirement

Tuition for the AAMS courses is $1,300. This includes the fee for the first attempt at passing the certification exam. It also includes all needed course materials. Each additional attempt costs $100.

Students employed with certain financial services firms may be able to get tuition discounts. The college may also provide scholarships.

The College for Financial Planning recommends students plan to spend 80 hours to 100 hours on the course. Since the course is self-study, this amount of time is flexible.

To maintain AAMS certification students have to commit to completing 16 continuing education credits every two years. Also, continuing education has to cover one or more of the topics covered in the AAMS coursework.

AAMS certificate holders also have to agree to follow a professional standard of conduct. As a result, they have to maintain integrity, objectivity, competency, confidentiality and professionalism in providing financial services.

AAMS Certificate Holder Jobs

AAMS certificates are generally earned by entry-level workers in the financial advice business. Consequently, AAMS holders are typically trainees. In some cases, they may provide support services to more experienced and highly credentialed advisors.

The AAMS designation does not confer any special powers or privileges. Instead, it’s an optional credential that students may obtain to advance their careers and enhance their knowledge of financial advice.

Comparable Certifications

What is the AAMS certification?

In addition to the AAMS, the College for Financial Planning offers an Accredited Wealth Manager Advisor (AWMA) certificate. This is a somewhat more advanced designation. As a result, it requires a course equivalent to three graduate level college credits and requires 90 hours to 135 hours to complete.

Chartered Mutual Fund Counselor (CMFC) is sponsored by the Investment Company Institute along with the College of Financial Planning. It is similar to the AAMS certificate except it focuses on mutual fund assets.

Accredited Financial Counselor (AFC) is a general personal finance advice certificate from the Association for Financial Counseling and Planning Education. First, it requires 1,000 hours of financial counseling experience. Secondly, it demands three letters of reference. Finally, applicants must both complete coursework and pass an exam.

Bottom Line

The AAMS designation is usually for newly minted financial advisors, but even experienced pros can use it to bulk up their credentials. The courses and tests associated with the AAMS teach advisors how to evaluate assets and make recommendations.

While this certification doesn’t give an advisor any real powers, it’s a sign that they can identify investment opportunities specific to their clients. Above all else, it can be a great relief to a client who has a child going to college or a retirement house on their wish list. As a result of obtaining an AAMS, and advisor can point them toward the right investments for their goals.

Investing Tips

  • If you’re looking to identify investment opportunities, consider using an AAMS as your advisor. Finding the right financial advisor that fits your needs doesn’t have to be hard. SmartAsset’s free tool matches you with financial advisors in your area in 5 minutes. If you’re ready to be matched with local advisors that will help you achieve your financial goals, get started now.
  • An AAMS can help you with college savings, taxes, and retirement savings if you know what your goals are. However, if you are unsure how much you want to invest, what your risk tolerance is, or how inflation and capital gains tax will affect your investment, SmartAsset’s investing guide can help you take the first steps.

Photo credit: ©iStock.com/SARINYAPINNGAM, ©iStock.com/fizkes, ©iStock.com/Suwanmanee99

The post Accredited Asset Management Specialist (AAMS) appeared first on SmartAsset Blog.

Source: smartasset.com

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