Wells Fargo rates and news for Tuesday, August 2

Wells Fargo's rates are remaining competitive on mortgages, auto loans and credit cards.

from Bankrate.com » Mortgages http://ift.tt/2aOYY60

Refinance rates for Tuesday, August 2

If you're thinking about refinancing, it's a great time to lock in a rate.

from Bankrate.com » Mortgages http://ift.tt/2auGzfy

Home equity rates for Tuesday, August 2

Many borrowers tap their equity to pay for things such as home improvements.

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Natural Homemade All-Purpose Cleaner (That Works!)

Once upon a time I was a single college student in a one-room dorm and it didn’t take much to keep it clean. Fast forward a few years and I was married to an amazing (but super neat and orderly) guy and had a couple of kids who weren’t so neat and orderly! I needed an all-purpose cleaner that worked stat!

(Psssstttt… Click here to see how to get the bottle and ingredients for free this week only!)

A Natural Way to Clean

As a mom, I soon learned that child is a synonym for “maker-of-dirt-and-messes-while-being-absolutely-adorable” and was amazed at the messes my toddlers could make.

I also realized that kids put everything in their mouths, so I started looking for natural cleaning options that could stand up to toddler messes but without accidentally poisoning them if (when) they licked the floor or counter.

I learned about all the chemicals that are contained in most commercial household cleaning products and found that I could make healthier ones at home. One of the hardest ones to create was a homemade all-purpose cleaner, but I finally found one that works well (and my kids have tested it hard!). In fact, I’ve calculated that over the years, I’ve saved over $200 making this myself!

Why Make Your Own Natural Cleaner?

Short answer:

It takes literally 30 seconds, saves money and works better!

Longer answer:

This all-purpose cleaner is so simple to make that those first couple of toddlers are now older kids who can make and use this cleaner on their own! And their younger siblings have happily filled the toddler mess-making shoes for them.

Also, it is free from the more toxic chemicals found in many cleaners and completely customizable to your taste. Plus, until Sunday, you can get all of the ingredients free! (Click here to find out how!)

Important note: There is some debate about borax and if it is safe to use in homemade cleaners or not. I personally feel it is safe to use and much safer than most cleaning products, but this article has a good breakdown of the information and my thoughts on it. Don’t agree? Just leave it out.

All Purpose Cleaner Ingredients

• 1 tsp borax
• 1/2 tsp washing soda
• 1 tsp liquid castille soap
• Essential oils of choice- I use 4 drops lemon, 4 drops lavender and 10 drops orange
• Glass spray bottle for storage (I get my glass bottles and all ingredients for this recipe here)

All-Purpose Cleaner Instructions

1. Place borax, washing soda and soap in a spray bottle (preferably glass).
2. Add 2 cups of warm water. Distilled is best, but any water that has been boiled will work. Cover bottle and shake well. Use as needed. I use as bathroom cleaner, floor pre-treater, kitchen cleaner and on toys to disinfect.

All-Purpose Cleaner FAQs:

Worried about the chemistry of making your own cleaners? Want to make a substitution? These are the most commonly asked questions about my homemade all-purpose cleaner:

Is Washing Soda the Same as Baking Soda?

No, They are similar but with some important differences. Baking soda is sodium bicarbonate and washing soda is just sodium carbonate. Washing soda is stronger and more effective in this recipe (but still non-toxic). Don’t have it? Make your own with baking soda using this tutorial.

Is this a disinfectant?

Technically no, but most home messes don’t need a disinfectant and using too many disinfectants can cause problems as well. I wouldn’t use this on food related messes, especially raw meat, but it works really well for other hard household surfaces like counters, floors and cabinets. The essential oils do have mild disinfectant properties in some studies, but I personally would stick to hydrogen peroxide or food grade alcohol and soap/water to disinfect raw meat messes.

Why Isn’t There Vinegar in this Recipe?

Vinegar actually isn’t the cleaning powerhouse it is made out to be. It does have its uses and shining moments, like cleaning windows, but isn’t an effective degreaser or disinfectant. Also, vinegar and washing soda (Acid and base) will cancel each other out and this whole recipe would be less effective if vinegar was added. Want to use vinegar in natural cleaning? Save your fresh lemon and orange peels, pour white vinegar over them and leave for a few weeks. This makes a great citrus-infused vinegar that cleans windows and most smooth surfaces.

Vinegar also un-saponifies the soap in this recipe, leaving a nasty stringy mess. Use vinegar if you want to, just don’t use it in this recipe!

Is Borax Dangerous?

There is a lot of debate about this. I talked about my opinion here, but I generally feel safe using it on non food surfaces. If you aren’t comfortable using it, just omit or use witch hazel or food grade alcohol in its place.

Does This Actually Work?

Yep. it works really well. But don’t take my word for it… a reader Anne, commented:

Ok, I’m a little slow, just found this. Good news – the gunk on the bathroom floor that no other cleaner in the world could get rid of (I have tried at least a dozen over the years) is now gone. I sprayed this, let it soak about 5 minutes and wiped it up with a microfiber cloth. I am astounded! Thanks so much for this!

Best Place to Get the Ingredients?

Like I said, I get all of the supplies for this recipe and the glass bottle to make it in from Grove Collaborative. Use this link and you can get the bottle, a microfiber cloth and essential oil for free this week!

I Don’t Like Lemon/Lavender/Orange Oil. Can I Use a Different One?

No way. Just kidding!

Use whatever scent you like in this recipe. Mint is lovely too and Geranium has a mild bug-repelling property if you have flies in the kitchen. You can even omit the oils entirely for an unscented version.

How Long Does This Last?

I haven’t personally had this last longer than 3 months because I use it up in less time than that. I can personally vouch for its shelf life of at least three months though.

Does this Need To Be Stored in Glass?

I always prefer glass personally. If you use the citrus essential oils, it is important to store in glass, as it can break down a plastic bottle over time, but glass is always a good idea!

Do you make any DIY cleaners? Share your favorite below!

Continue Reading...Natural Homemade All-Purpose Cleaner (That Works!)

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Campus Access Information

Here are a couple things to remember as you head to campus this week for orientation sessions and open house. Please present your SASCard when walking in at the gates. Only vehicles with the SAS issued blue decals will be allowed entry.

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How to Make Apple Cider Vinegar at Home

Every fall we take at least one trip to an apple orchard near us. They have family-friendly activities, wonderful local canned goods for sale, and of course, apples. So many apples! My kids love applesauce so I take advantage of the apple season to make homemade applesauce so that we can enjoy it throughout the year.

Don’t Waste Apple Cores and Peels!

I don’t always peel the apples when I make applesauce but if you do take the time to peel the apples (maybe you even prefer your applesauce that way), you can use the peels and the cores to make apple cider vinegar. This way you have virtually no waste!

It is also totally possible to make apple cider vinegar from the whole apple so don’t worry if you don’t have leftover peels and cores from anything.

When I make applesauce, I typically do large quantities at a time so I have enough peels and cores for a batch of apple cider vinegar. If you only occasionally use apples, you can store the peels and cores in the freezer until you have enough gathered to start a batch.

If you don’t have an apple orchard near by, farmer’s markets are another great place to get organically grown apples. Just check with the farmer. Organic apples are ideal for apple cider vinegar, especially if you will be using the peel. If you cannot find organic apples, peel them first. Discard the peel and just use the inside portion.

What Is So Special About Apple Cider Vinegar?

Apple cider vinegar (ACV) has many healthy uses. It is made through the process of fermentation and is high in phosphorus, magnesium, potassium, and calcium. Hippocrates is believed to have prescribed ACV for a variety of ailments.

ACV for Digestion and Heartburn

ACV is the base of spicy cider which is a great remedy to help quickly knock out a cold.

Amazingly, and contrary to what seems logical, ACV also has a valuable role in preventing heartburn and aiding digestion. In most cases heartburn is actually caused by too little stomach acid which slows down digestion. Food and gasses put pressure on the stomach, causing stomach contents (including stomach acid) to leak back into the esophagus. When you remedy heartburn with ACV it increases stomach acid and helps the body digest the food more quickly. This prevents the build-up and subsequent leakage which causes heartburn. You can read more about natural heartburn relief here.

ACV Topically

In addition to its many benefits when taken internally, it is wonderful for the skin. When added to bathwater, it helps to naturally restore balance to the skin’s pH. It also helps kill bacteria and fungus on the skin which can lead to a host of problems, including eczema, dandruff, and other skin conditions.

Because of its great pH balancing benefits and dandruff preventing abilities, it makes a great hair rinse that replaces conditioner and can be used after shampooing with a natural shampoo.

Unfiltered, Unpasteurized, And With “The Mother”

Most of the ACV you find in the supermarket is pasteurized and highly filtered. These versions still work well for cleaning but they are not optimal for internal and culinary uses because most of the benefits are gone once the “mother” is filtered out and the vinegar is pasteurized.

There are a few available that are “with the Mother” which means they leave the beneficial bacteria that develops during the fermentation process in the vinegar. When you make your own ACV you can be sure that your vinegar retains this beneficial “mother.”

Important Notes:

• This recipe uses sugar. The sugar is necessary to “feed” the bacteria but most (if not all) of the sugar is fermented out. People often ask if they can use honey. The short answer is yes, but it really does not work as well and causes the whole process to take longer. And to be honest, because the sugar is broken down, there really isn’t anything to be concerned about as far as the effect it will have on blood sugar.
• Make sure all of your equipment and your jar are very clean. It is important to make sure you don’t introduce any bacteria other than what is naturally occurring in the process.
• My favorite apple variety to use for applesauce is Gala so my scraps are usually a majority Gala. However, you get the best flavor if you have a mix of varieties. I use mostly Gala, but I will throw in a mixture of other types for the rest. Some I have used are Fuji, Honeycrisp, Granny Smith, and McIntosh. It just adds some complexity to the flavor.
• White scum is going to form on the top. This is normal. Mold, however, is not good and will spoil your ACV. Be sure that the apples stay submerged under the water. This will help prevent mold. You can use a fermentation weight or even just a smaller glass jar (thoroughly clean the outside) and set it on top of the apples to keep them submerged.
• Gnats and flies love ACV so you need to make sure your jar is well covered. However, it needs to be able to breath and release gasses created from the fermentation process so do not use a solid lid. Cheesecloth or a coffee filter work well.

How to Make Apple Cider Vinegar

Before starting to make ACV, there are a few things you’ll need to have on had first.

Supplies & Ingredients:

• Clean jar – you can use any size jar (I have used a wide mouth quart jar and a half gallon pickle jar.)
• Organic apple scraps – enough to fill your jar 3/4 of the way full
• Organic cane sugar
• Filtered water
• Fermentation weight or small glass jar
• Cheesecloth or coffee filter
• Rubberband

Directions:

1. Clean your jar very well and let air dry.
2. Fill jar 3/4 full with apple scraps. If you are using whole apples, roughly chop them up before you put them in the jar.
3. Dissolve 1 tablespoon cane sugar into 1 cup of water. You may need to double or triple this depending on the size of your jar. I would start with doubling this ratio for the quart jar and tripling it for the half gallon size. You need to use enough to completely cover the apples.
4. Pour sugar water over the apples until they are completely submerged.
5. Weigh down the apples with a fermentation weight or with the small glass jar. Any apples that are exposed to the air could mold.
6. Cover with the cheesecloth or coffee filter and secure with the rubber band.
7. Store in a dark place that stays pretty consistently at room temperature. I put mine in a cabinet in the kitchen.
8. Leave it for approximately 3 weeks. Check on it every few days to make sure the apples are staying under the water and to make sure no mold is growing.
9. After 3 weeks, it will still smell fairly sweet. Strain the apples pieces out and return the liquid to the jar. (Compost the scraps.)
10. Recover and put the jar back in a dark spot for another 3-4 weeks, stirring every few days.
11. When the ACV has reached the “tartness” you like you can put a lid on it or transfer it to a different jar with a lid and start using it!

Final Notes

At some point while making apple cider vinegar, you will probably notice a SCOBY-like “thing” that forms on the top. This is the “mother.” You can remove it or you can just leave it floating in your vinegar.

If you don’t want to make your own apple cider vinegar, it is becoming more common for grocery stores to carry organic ACV “with the mother.” Or you can buy it online.

How do you use apple cider vinegar? Will you try your hand at making your own?

Continue Reading...How to Make Apple Cider Vinegar at Home

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Mortgage rates for Monday, August 1

If you're purchasing or refinancing, it's a great time to lock in a rate.

from Bankrate.com » Mortgages http://ift.tt/2aCTuLK