Take Control of Your Finances

Take Control of Your Finances

Assessing the big picture of your personal finances can be very beneficial when making personal and financial decisions and choices.

At least once a year, consider taking stock of your assets, liabilities, and financial goals. Understanding how much money you have will help you learn how best to earn and save the amount of money you want. Consider the following tips for understanding your financial net worth.

Track What You Have

Most personal finance articles begin by asking you to track your expenses or write down your spending. However, it is more important to start with the baseline knowledge of the money and resources
you currently have.

Companies create annual reports for a reason. Whether you use Excel, Mint, or even old-fashioned pencil and paper, first list your assets. How much do you make in salary or wages? Do you own your home or rent? Do you have a vehicle? Have you started saving for retirement? Do you have any kind of cash emergency fund?

You don’t even have to list exact numbers. The idea of this exercise is simply to give you a bigger-picture idea of how much you earn and what assets you have. Knowing what you own, what your earning potential is, and how you save and invest money is what you want to learn by doing this step.

Consider Your Expenses

Don’t wear yourself out by writing down every penny you spend for a week or a month. That can become a huge chore very quickly. When you’re done doing that, mostly all you have is a list of your least consequential expenses.

If you feel you must record your expenses, focus on the big ones. What do you spend on housing, student loans, car loans, credit card debt, home or life insurance, health insurance premiums, utility bills, ongoing medical and prescription costs, and retirement contributions?

Write the list by either entering expenses as monthly costs (for premiums you pay annually; remember to divide them by 12) or as annual ones. This will give you an idea of the costs in your life that are non-negotiable. Adding up those expenses gives you a better idea of the real money that you spend each year, and how it compares to the number of your earnings and assets.

Once you understand the big numbers in your life, you should examine the more incidental numbers. Even small expenses can eventually add up to big ones. Add up what you spend on clothing, gifts, streaming services, subscriptions, food, and recreation. Once you’ve listed those expenses, go back and consider if you are engaging in smart spending. Do you fully use every subscription you have? Are there ways you can save on your transportation budget?

Make Financial Goals

Truly understanding your assets and liabilities can help you better understand your finances. Now you need to think even bigger.

Finance is not only about numbers; it is also about emotion. How do you feel about your money picture? What would you change about your income and your spending if you could? Your answers to such questions should guide the goals that you make for your money and investments.

Would you like to earn more money? Make it a goal, and consider ways you can achieve it. Write down your plans for finding a better-paying job, developing a side gig, or asking for a raise. Do you think you could
improve the way you save money? Make it a goal to investigate ways to increase your retirement contributions. Are you confused about the best ways to invest money? Plan to learn more about the stock market, bonds, or other investment methods.

You don’t have to make a specific number of goals. All you have to do is take the goals you make seriously. Making and meeting even one financial goal per year can make a huge difference over your lifetime.

Educate Yourself on Money Matters

Everyone expects to be naturally good at money but very few people are.

Being good with money is often a matter of developing good financial habits and skills. Skills require education. After investigating your finances, take some time to learn about new money terms and topics. Read some personal investing magazines or websites. Ask people you know financial questions (they don’t have to be personal). Watch a YouTube video or take an online class about learning to invest in the stock market.

The more you know about money, and specifically, your money, the better prepared you’ll be to earn, save, and use it. 

Understanding the Risks of Vaginal Cancer

Understanding the Risks of Vaginal Cancer

Many people have a natural reluctance to talk about gynecological issues, and that reticence can make those diseases even more dangerous and deadly. Vaginal cancer is a case in point. Many women are reluctant to discuss sensitive issues with their family doctors, and that can make the diagnosis and treatment of this serious illness that much more difficult.

Another thing that makes vaginal cancer so hard to diagnose is that it often causes no symptoms – at least in the early stages of the disease. As the tumors grow and spread, women may notice a variety of symptoms, and these signs should be brought to the attention of a doctor as soon as possible.

Some of the most common symptoms of vaginal cancer include unusual bleeding, particularly after sex or following the onset of menopause. Women may also notice a watery vaginal discharge or chronic pelvic pain. Other symptoms to watch out for include a lump or mass inside the vagina, constipation and painful urination. While these symptoms can be caused by a number of less serious conditions, they should always be brought to the attention of a medical professional.

While all women are at risk of vaginal cancer, advancing age and exposure to certain drugs can predispose certain women to the disease. Women over 60 are at higher risk for vaginal cancer, and those women should have regular pap smears and gynecological exams. Women who were exposed to the drug diethylstilbestrol, or DES, in utero are also at increased risk. DES was used throughout the 1950s to prevent miscarriages. An unfortunate side effect of this commonly used drug was an increase in the risk of vaginal cancer among women exposed to the agent before birth.

Exposure to HPV infections is another risk factor for not only vaginal cancer but cervical cancer as well. That is why it is so important for all women to have regular pap tests to look for signs of an HPV infection. A past history of cervical cancer can also increase the risk of developing vaginal cancer, so survivors need to be especially vigilant about their follow-up care.

 Any woman who suspects she might have vaginal cancer should discuss those concerns with her doctor. An experienced doctor will be able to evaluate the symptoms and determine whether they are truly cause for concern. During that process, the doctor will perform a thorough physical exam and take a detailed medical history to help determine specific risk.

The doctor may also perform a thorough gynecological exam to look for lumps and other suspicious masses inside the vagina and throughout the lower abdomen. Women can also expect to undergo a pap test as part of the examination process. The doctor will then take the results of the pap test, along with the results of the physical exam, and use them to make a preliminary diagnosis. If cancer is suspected, the doctor may order a biopsy to confirm the diagnosis, followed by a course of treatment tailored to the stage of the disease and the individual patient.

Every woman is at risk from vaginal cancer, and it is up to every woman to look for signs and symptoms of this serious disease. If you suspect that you or someone you love may be suffering from vaginal cancer, the first step is to consult a doctor and undergo the examination that could save the life of you or your loved one.

Persimmon Matcha Crumble with Ginger Molasses

Persimmon Matcha Crumble with Ginger Molasses

 Ingredients

1 1/2 cups almond flour

2 tbsp. arrowroot

3/4 cup coconut sugar

1 1/2 sticks of butter (3/4 cup) room temperature

1 tbs. matcha powder

1 1/4 tsp. baking powder

1 tsp. psyllium husk, or xanthan gum

1/4 tsp. sea salt

1 tsp. vanilla extract

1 cup fuyu persimmon puree, 2-3 ripe persimmons

3 eggs, room temperature

1/4 cup cashew milk, or other milk

1/4 cup chopped hazelnuts, optional

Ginger Molasses

1 tbs. molasses

1/2 tsp. fresh ginger, smashed into a paste, or powder

Blend together.

Drizzle around persimmon crumble before serving.

Preheat the oven to 350. Butter or oil inside of muffin trays. Dust with flour.

Whisk flours, baking powder, match powder, salt, psyllium husk in a medium bowl.

Set aside

Whisk milk and 1 cup of persimmon puree in a small bowl. Set aside.

For puree: peel and slice 2 ripe persimmons. Pulse slices in a small processor, or mash by hand. Save some slices of persimmon for garnish.

Using an electric mixer on high speed, beat the sugar and 3/4 cup butter in a large bowl until light and fluffy. About 4 minutes.

Add the eggs one at a time, beating to blend between additions and occasionally scraping down the sides with a spatula. Add vanilla and almond extract.

Reduce your speed to low and add dry ingredients in 3 additions. Alternate the persimmon & milk mixture with the dry mixture. Add dry ingredients last.

Beat until just combined. Fold in the hazelnuts if using.

Scrape the batter into prepared muffin trays, 3/4 full.

Bake the muffins, rotating half way through, until golden brown and a tester inserted comes out clean, 40-50 minutes. Transfer pan to a wire rack and let cool in pan for 20 minutes.

Carefully remove muffins from the pan and transfer to the plate of choice. Make a crumble with the muffins across the plate. Serve with the ginger molasses.

Sprinkle some matcha powder around the plate.

Buon Appetito

For scheduled Cooking Classes in Asheville, Visit: LaurieRichardone.com

Planting New Roots

Planting New Roots

“My roots were first Planted in the Borough of Brooklyn, in a tight knit Italian family. It was a household that revolved around food.”

Throughout the diverse paths my walk of life have taken, there has always been a thread that tied me to the kitchen. Food is a sacred practice inherited from all my ancestors. My roots.

However, my calling as a teacher of seasonal cooking, and wellness coach took root later in life. It came when I had all the necessary tools to step into the role of educator, chef, and coach.

We never know where life will take us, which is both exhilarating and unsettling. Planting new roots in whatever direction the heart leads us requires nurturing, passion, and patience. As I have
experienced, not all things take hold, nor are they meant to. One must trust in the process.

Do something because you want to, not because you are expecting a payoff. 

I hold the belief that the universe will give it back to you, bearing all the fruits of your labor. The roots of education can be bitter, but the fruit is sweet.

My vocation as a teacher of seasonal cooking unfolded naturally, at just the right time. Now, I get to guide my clients in creating healthy delicious food that suits their needs and lifestyle.

Furthermore, we now have an understanding that food is about much more than deliciousness.

For example: getting the majority of ingredients at your local farmers market, which in turn promotes connection and support, giving strength to our tribe.

What better way to connect than with food, and an extra portion of love.

Even so, It’s not just about breaking bread together, but making bread together, and sharing our stories,
our roots, and laying down some new ones. 

What better place than around the table.

To your good health…

A seasonal healthy treat for the table ~   If you are a curious cook, join me on my Podcast  

 ~  A taste for All Seasons ~

It is a cooking, cultural, and inspirational way for us to explore the world of food. And… as always, l will  share a seasonal recipe, cooking tips, and kitchen essentials that will make your life easier in the kitchen. 

You can now listen to all the shows, @ laurierichardone.com/podcast or on Spotify, Apple Podcast, and Google Podcast.  

We talk to local farmers, where you can learn how to cook your way through the seasons. This Podcast is in conjunction with WPVM FM 103.7 in Asheville, NC.   

Laurie Richardone is a seasonal gluten free chef and certified health coach.  

To work with Laurie, visit LaurieRichardone.com

Women Making Music…Happen – Spotlight on Brewery Owner and Operator Kelly Hardin Cubbin

Women Making Music…Happen – Spotlight on Brewery Owner and Operator Kelly Hardin Cubbin

Happy 2022, everyone! As we rock n’ roll, swing, shuffle, waltz or 2-step our way into the New Year, I’d like to acknowledge the persevering heroes of the last 22 months: owners of bars, music halls and breweries. To musicians especially, this special breed of persistent, purposeful and focused professionals helps keep the music live.

One of the brightest and best examples of one such venue owner is Southern Appalachian Brewery’s Kelly Hardin Cubbin. Nearly all of us had to do some fancy footwork during these unexpected unprecedented times, but people like Kelly, women like Kelly did so, seemingly without missing a step. Her head- first approach to making sure her faithful and longtime patrons, employees and hired musicians would feel safe upon reopening proved to be a Triple Crown win.

As a longtime patron of the brewery, I’ve witnessed it’s evolution, a melting pot of families, singles, couples, groups and meet-up organizations of all creeds, political affiliations, generations and genders. Unmistakably, the inclusive vibe and culture is manifested by what comes naturally to Cubbin, along with her co-owner husband Andy and their welcoming staff.  

Not only is diversity of clientele embraced, the range of music genres she books reflects the various tastes of said clientele. During our recent phone conversation, I sensed this ease in Kelly; that the balance between her heart and business mind dance well together.

When conceptualizing the brewery as a brick and mortar, Mr. and Mrs. Cubbin knew they “definitely and absolutely” would introduce live music as part of their identity. “My husband and I moved here from Chicago and even though we could barely pay our rent back then, we’d go hear live music 3-4 nights a week. From these amazing in-the-moment live music experiences, we knew that if we had to be at our own venue every night, we wanted live music!”

The Cubbins have been brewing since 2006, starting out as a production space. “When there were seven breweries in Asheville in 2008, we actually questioned our sustainability there (now there’s like over 30), so we looked around at other towns to find a building and fell in love with Hendersonville.”

Hendersonville fell in love with them too. They were the first ever brewery in Henderson County and in the time leading up to their grand opening, they joyfully did their due diligence.  Their competency remains high and their continued philanthropy and community outreach is what makes them as popular now as they were that first evening in late April of 2011. 

Kelly is a benevolent boss with a warm and decisive personality. She aptly juggles the music calendar while an array of local and regional musicians like me, constantly vie for dates to play on the newly renovated courtyard stage, for their always appreciative patrons.

The notable female artists, whose careers have been enhanced and/or sustained by playing semi- to regularly there, are numerous. Niki Talley and Maggie Valley Band are just two female acts who played among the tanks and barrels in those early years and who have gone on to become nationally known. There were short-lived but popular female acts that Kelly fondly remembers like Carrie Morrison’s “The Naughty Pillows” and Laura Blackley’s girl group called “The Swayback Sisters.”

“Back then it was especially difficult to manage the incredible local talent, touring talent, because we were one of only 2 music venues in all of Hendersonville. Our focus back then was to spread the love around to include regional touring acts. During the pandemic though, our focus changed and we began to draw almost exclusively from the Hendersonville Music community; those whose livelihoods depend
on gig dates.”

“There are a fair amount of local musicians who play for the fun of it and have careers outside of their music aspirations. Those musicians encouraged me to book players they knew didn’t have anything else to fall back on during the pandemic. I was so impressed with that honesty and love. Being a fine art major in my past life, I know the struggles of living as an artist. Musicians have confided in me how cathartic it’s been to have a stage to take; a familiar place for them to emote and play their music again.”

As we philosophize over the growth of the area and our roles as conscious venue owner and full time musician, Kelly puts what we do and how much we do in perspective: “There’s a fine line between being so immersed in what we do and at the same time knowing there’s many things we could still be doing to help make positive change, it’s hard to balance what we should be involved in and when, that it sometimes feels like a full time job.”

All I can tell you is that each time I’m inspired to hold a fundraiser for this person or that non-profit, I know I can count on Kelly and Andy to tell me yes when I ask them to host it at SAB. “If inspiring and building community is something we can do, we’re always going to say yes. We may not always be able to contribute money to charities that solicit us, but we always have a space to hold a fundraiser or event and to me, that’s very cool.”

“We’re humbled to have been supporting live music for 10 years now and we look forward to getting back to better than normal. We’ve got big plans this year for live music so stay tuned!”

Kelly thinks in terms of making memories rather than a bottom line profit and as a result she cultivates and sustains both.

“We want families, neighbors and newcomers to leave their troubles at work or at home and just come in to have a great tasting and satisfying craft beer and listen to live homegrown music to unwind and feel better. It’s all about creating an atmosphere that lets our music community have their exposure, that in turn allows our customers to get away from their problems for a little while.”

Peggy Ratusz is a vocal coach, song interpreter, and songwriter.
For vocal coaching email her at
[email protected]

Relax and Pamper Yourself with Lavender Essential Oil

Relax and Pamper Yourself with Lavender Essential Oil

Lavender is one of the most versatile essential oils. Besides its pleasant scent, it is beneficial for health and beauty. If a day at the spa is not in your schedule or your budget, pamper yourself at home with lavender essential oil. Here are a few ways to pamper yourself from head to toe. 

Hair

Treat your hair to deep conditioning with lavender essential oil. Add 6 to 8 drops of lavender essential oil to 2 teaspoons of carrier oil such as olive or coconut. Essential oils are concentrated and potent. It is important to dilute them with a carrier oil before use. Once you have the mixture, apply it to your hair and massage it into the scalp. You can comb it through to ensure even distribution. Leave it on for 30 minutes, then shampoo and condition as usual. Lavender oil can help repair damaged hair, leaving it soft, shiny, and pleasantly fragrant. It helps prevent dandruff too. You can also add a few drops of lavender essential oil to your shampoo and conditioner to make it part of your regular hair care routine. 

Cleanse and Tone Your Face

Lavender essential oil cleanses and tones, leaving skin feeling fresh. It locks in moisture, making it a good moisturizer for dry skin. Regular use of lavender oil reduces the appearance of fine lines, wrinkles, and scars. You can make a facial cleanser by applying 3 to 5 drops of lavender essential oil with a teaspoon of olive oil. Massage it into your face and neck for a minute or two. Use a warm washcloth to remove any excess. Pat your face dry with a towel. 

Soothe Your Feet  

Our hard-working feet often get neglected. However, they could use some pampering too. Not only can lavender essential oil soothe tired feet, but it also contains antifungal properties that can treat athletes’ feet and toenail fungus. All you need for a relaxing foot bath is a container big enough to soak your feet comfortably. Fill it with warm water, and add 6 to 8 drops of lavender essential oil. You can also add a 1/2 cup of Epsom salts to relieve sore, achy feet. Soak your feet for approximately 20 minutes. 

De-Stress Your Body and Mind

If you’ve had a hard day at work and your nerves are frazzled, wash away the anxiety with a lavender bath. It can help to relax stiff muscles and alleviate the pain of a tension headache. Lavender also helps relax your mind and body so that you can sleep more soundly. To prepare your lavender bath, fill the tub with warm water. Mix 8 to 10 drops of lavender essential oil with 1 ounce of coconut oil. Then add 8 to 10 drops of the mixture to your bath. Soak in your lavender bath until you feel relaxed. Now that you’ve pampered yourself from head to toe with lavender, you can sleep soundly and peacefully. 

Caution

Essential oils are potent extracts that can be potentially dangerous. Never take essential oils internally. Never apply essential oils directly to the skin since irritation may occur. Always dilute essential oils with a carrier oil before applying. Although lavender essential oil is considered safe, skin irritation may occur in people who are allergic. Lavender may interact with sedative medications since it can cause drowsiness. Always consult your physician before using essential oils. 

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