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Impress Guests With Homemade Salsa At Your Next Soirée

Gatherings of family and friends are better with food, and few foods are more universally beloved than salsa! Whether they’re hosting a gathering for the big game or a celebration of Hispanic culture and cuisine, hosts who want to go the extra mile can forgo store-bought salsa for the following homemade recipe for “Warm Black Bean Salsa” courtesy of Judith Finlayson’s “The Health Slow Cooker: 135 Gluten-Free Recipes for Health and Wellness” (Robert Rose).

Warm Black Bean Salsa (Makes about 3 cups)

2 cups cooked black beans, drained, rinsed and mashed (see tip 1 below)
1 cup diced tomatoes (see tip 2 below)
4 green onions, finely chopped
2 roasted peppers (poblano or sweet), peeled and diced
1 roasted jalapeño, seeded and diced, or 1 chipotle pepper in adobo sauce
1 teaspoon puréed garlic (see tip 3 below)
1 teaspoon finely grated lime zest
2 tablespoons freshly squeezed lime juice
2 cups shredded cheddar or Monterey Jack cheese
2 tablespoons finely chopped cilantro leaves

Finely chopped green onions

1. In slow cooker stoneware, combine beans, tomatoes, green onions, poblano, jalapeño peppers, garlic, lime zest and juice, and cheese. Stir well. Cover and cook on high for 11/2 hours, until mixture is hot and bubbly. Stir in cilantro, sprinkle with green onions, if using, and serve.

Tips

1. Use 14- to 19-ounce can of no-salt-added beans, drained. Or cook dried beans yourself (see below).
2. For convenience, substitute 1 cup drained no-salt-added diced canned tomatoes.
3. To purée garlic, use a sharp-toothed grater.

Basic Beans (Makes approximately 2 cups)

1 cup dried white beans (see tip below)
3 cups water

Garlic (optional)
Bay leaves (optional)
Bouquet garni (optional)

1. Long soak: In a bowl, combine beans and water. Soak for at least 6 hours or overnight. Drain and rinse thoroughly with cold water. Beans are now ready for cooking.
2. Quick soak: In a pot, combine beans and water. Boil for 3 minutes. Turn off heat and soak for 1 hour. Drain and rinse thoroughly under cold water. Beans are now ready to cook.
3. Cooking: In slow cooker stoneware, combine 1 cup presoaked beans and 3 cups fresh cold water. If desired, season with garlic, bay leaves or a bouquet garni made from your favorite herbs tied together in a cheesecloth. Cover and cook on low for 10 to 12 hours or overnight or on high for 5 to 6 hours, until beans are tender. Drain and rinse. If not using immediately, cover and refrigerate. The beans are now ready for use.

Tip: If you have difficulty digesting legumes, add 2 teaspoons cider vinegar or lemon juice to the water when soaking dried beans.

Paint-Free Ways to Brighten Your Home

Autumn is a beautiful time of year marked by pleasant temperatures and colorful fall foliage. But as vibrant as nature can be in the weeks after summer has ended, homeowners know that the shortened days of autumn mean less light inside their homes, which can become dreary even in the weeks before the arrival of winter.

Many homeowners pick up their paintbrushes in an effort to make their homes more colorful. But homeowners need not embrace their inner Picasso to brighten their homes’ interiors. The following are a handful of paint-free ways to add some splashes of color to your home this fall.

* Bring nature inside. Flowers and plants can make colorful additions to a home’s interior. Flowers tend to be aromatic, which can make a stuffy house in which windows need to be kept closed a lot more pleasant. Plants and flowers also can improve indoor air quality. Several studies, including one published in the Journal for the AmericanSociety for Horticultural Science, have shown that houseplants improve indoor air quality by filtering out volatile organic compounds, or VOCs, that can be harmful to human health. That’s especially important come late fall and winter, when homeowners typically shut their windows and keep them shut until spring, making it difficult for fresh air to enter a home.

* Invest in some colorful throw pillows. Natural sunlight brightens a room come spring and summer. But sunlight is increasingly scarce as fall turns into winter, and rooms that do not boast too many colorful accents can quickly grow drab as summertime sunlight dwindles. Instead of buying new furniture, invest in some colorful throw pillows to give a room a more vibrant look. Patterns can be mixed and matched to provide some contrast and transform a room from somewhere to spend time into a sight to behold.

* Paper the walls. While many of today’s homeowners prefer paint to wallpaper, those who want a less permanent solution to brighten up their homes may want to consider removable wallpaper. Such paper is less expensive than traditional wallpaper, and many do-it-yourselfers find removable wallpaper is easy to both install and remove. Choose a colorful pattern that can turn an otherwise plain wall into a potent palette that adds some life to your home’s interior. Because removable wallpaper does not require a significant financial investment, you can experiment with various colors or change things up each month if you so desire.

* Add some artwork. Another way to add color to the walls inside your home without dusting off your paintbrush is to hang some colorful artwork. Paintings that feature bold colors tend to draw your immediate attention when you enter a room, and that quality can make you forget the room is not benefitting from natural light. If you want to go the extra mile, find a painting that features colors which match throw pillows or other accessories in the room. This way your walls and your accessories are working in concert to make a room more colorful.

* Rug it out. A patterned throw rug is another accessory that can effectively brighten a room without much effort or financial investment on the part of homeowners. When choosing a throw rug, find one that’s colorful but does not clash considerably with existing furnishings, as you don’t want the rug to draw attention for all the wrong reasons. You have more freedom with regard to rugs if you’re furnishing an empty room, as you can choose whichever rug you look and then choose additional furnishings based on the rug.

Homes tend to darken as late fall turns into winter. But homeowners can brighten their homes in various ways, even if they prefer not to paint.

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How to Save on School Supplies

Back to school season can be as expensive for parents as it is exciting for students. Once the initial letdown of the end of summer vacation wears off, many kids are excited to return to school, where they can see their friends, study their favorite subjects and participate in extracurricular activities.

Parents of school-aged youngsters may share in that excitement while also knowing that back to school season can stretch their budgets. One of the ways to salvage those budgets is to save on school supplies. Fortunately, there are several ways parents can do just that.

· Be patient. Shopping early can save shoppers money in many instances, but parents may benefit by exercising patience when it comes to buying school supplies for their children. Teachers often give students lists of supplies they will need for each class, and parents who wait to receive such lists can avoid spending money on items their kids won’t need. Even if you wait it out, you may be able to get a head start, as some teachers may post supply lists on school websites, while others might email lists to parents before back to school season hits full swing.

· Take inventory. If you have more than one child, chances are you already have lots of school supplies around the house. Dust off kids’ backpacks and study areas from last school year to determine which supplies you need to buy and which you already have. Going forward, encourage kids to store their supplies in a predetermined area once the school year ends, as this will make next year’s inventory that much easier to examine and assess.

· Spend more now to save later. While inexpensive supplies can be hard to resist, such items likely won’t withstand the test of time, forcing you to spend time and money each year buying replacement supplies. Paying more now for certain items, including stronger backpacks and more highly rated calculators, may end up saving you money in the long run, even if the initial pill is somewhat tough to swallow.

· Use technology to your advantage. Department stores and businesses that sell school supplies, such as pharmacies and office stores, may or may not discount too many items once back to school season hits full swing. But savvy parents can still find deals by using technology to their advantage when shopping for school supplies. Download apps like RetailMeNot to your smartphone and enable its updates so your phone essentially notifies you of any discounts the moment you walk into a given store. If you don’t receive any updates, search for discounts via the app or the Internet as you shop. Chances are strong that there are deals to be had, even if you don’t learn of the deals until you arrive at the store.

School supplies can be expensive, but parents can employ several strategies to save on school supplies now and in the future.

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Guide to End-of-Summer Sales

The end of summer is marked by mixed feelings. Come the end of summer, vacations may be coming to an end as children ready themselves for a new school year. But shoppers know the end of summer is an ideal time to find great deals on an array of items.

Although back-to-school sales flood the marketplace this time of year, plenty of other sales take place in the final weeks of summer – and consumers can save substantial amounts of money if they know where to look.

Outdoor furniture

As stores clear out their seasonal items, shoppers can score big deals on patio sets and other outdoor furniture. Retailers need to make room for snowblowers, rakes, shovels, and holiday merchandise, so shoppers are bound to find discounted tables, chairs, fire pits, umbrellas, and chaise lounges. Individuals can use this opportunity to update worn-out patio furniture and other seasonal items they can store over the winter.

Camping/hiking equipment

Only the most devoted campers camp out when the temperatures begin to dip, so consumers can use this opportunity to grab camping equipment before it’s gone for another season. Tents, flashlights, cooking gear, backpacks, outdoor recreational items, such as kayaks or fishing tackle, water bladders, and heaters may be available at steep discounts.

Grills

Backyard barbecues are a staple of summer. If your barbecue or outdoor cooking equipment experienced heavy use throughout the summer, now is a great time to shop sales on grills and outdoor cooking gear.

Travel

Consumer Reports says that prices tend to drop on airfare, hotels and theme parks after Labor Day. Deals on luggage also can be had once summer travel season ends. Tuesdays are a great day to book airline tickets because they tend to be cheaper on Tuesday than other days of the week. Travelers can use this information to their advantage, booking trips to destinations that have super weather throughout the fall, such as Hawaii or the Mediterranean. Caribbean destinations also are good choices, though travelers should consider travel insurance to protect against hurricane-related cancellations.

Vehicles

Many dealerships tend to begin discounting cars when new models begin to debut in August and September. The longer a dealership holds on to a vehicle, the more money it tends to lose. Prospective car buyers may be able to negotiate a good deal this time of year, ultimately walking away with a brand new vehicle with a solid warranty. It’s not unheard of to receive a discount of 15 percent or more on previous year models.

Spa treatments

Many spas have begun discounting massages and facials at the end of summer, according to the International Spa Association. Shoppers can use this opportunity to try out new spas and save some money in the process.

In addition to these discounts, bathing suits, summer clothing, lawn and garden equipment, and pool/spa items may be discounted come the fall.

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How to Cool Your Home Without Breaking the Bank

Mother Nature is consistently inconsistent these days, when 30-degree Mondays might be followed by 60-degree Tuesdays. Fickle weather is often accompanied by large fluctuations in temperature, strong storms and unseasonable conditions, making it difficult for homeowners to maintain comfort levels in their homes.

As a result of fluctuating temperatures, home heating and cooling systems have been heavily taxed. Growing reliance on HVAC systems has also driven up energy bills, as moderate weather synonymous with spring has given way to more days of extreme heat or extreme cold. As summer approaches once again, reducing cooling costs is a priority for many homeowners. The following are a few ways to cool your home’s interior without causing a spike in your energy bill.

· Reduce sun exposure. Much of the hot air inside of a home can be attributed to sunlight exposure throughout the day. Walls and windows on the south and west sides of a home will bear the brunt of the sun’s rays, so close shades and drapes on this side of the house to maximize coolness. Shades and curtains can save you up to 7 percent on your bills and lower indoor temperatures by up to 20 degrees. Homeowners also may want to think about installing a retractable awning on areas of the house that get a lot of sun. Planting shade trees is another way to naturally cool down hot sides of the house.

· Draw more air into the attic. Hot air rises, and in the summertime hot air can get trapped beneath the roof in the attic and eaves of a home. While an attic should have vents, homeowners can speed up the exchange of hot air with a simple trick. Open up a window on a shady side of the home, and then open the attic door or take out the access panel and place a box fan inside to blow air up into the attic. This will disperse the hot air and help force it out through the vents.

· Use fans productively. Using box fans to suck cool night air in from east- and north-facing windows and to push out hot air from west- and south-facing windows is another way to increase circulation through a home. Running fans may be less costly than turning on air conditioners. Also, set ceiling fans to rotate counter-clockwise. This will pull cooler air up from the floor and create a wind-chill effect.

· Switch to LED or CFL bulbs. Ninety percent of the energy used for incandescent bulbs is emitted as heat. This not only wastes electricity but also can make conditions hotter inside a home. Switch to cooler, more efficient light bulbs.

· Reduce humidity levels. Humidity makes hot temperatures feel even hotter. Clean laundry, take showers and run the dishwasher at night or early in the morning before the day heats up. Don’t forget to vent bathrooms and kitchens by turning on exhaust fans when water is in use.

· Rely on a programmable thermostat. Setting a thermostat to adjust the air conditioning system automatically means homeowners can keep the temperature raised when they’re not home and then have it lowered shortly before they arrive home. The thermostat also can adjust temperatures for day and night use.

· Keep doors closed. Do not cool rooms that are unused. Maximize the cool air in lived-in spaces by blocking off rooms that do not need to be cooler.

· Invest in more insulation. Insulation does not just keep homes warmer in the cold weather. Insulation also prevents hot air from infiltrating living spaces while keeping cooler air where it’s needed. Sealant around windows and doors also will prevent unnecessary air exchange.

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Keep Pets Cool, Comfortable & Safe During Hot Weather

Summer may be a time for vacations and recreational activities for human beings, but pets may not be privy to the same luxuries. Summer recreation may not always include our four-legged friends, as summer heat and other issues can pose a threat to companion animals. As a result, pet parents must make pet safety a priority when the weather heats up.

The Humane Society of the United States says that the summer months can be uncomfortable and dangerous for pets. Temperatures that may be tolerable for adults and children who are dressed accordingly may not be so for animals covered in fur. It’s vital to help pets stay comfortable and safe as summer temperatures heat up. Pet parents also must be aware of particular dangers that go hand-in-hand with summertime activities.

· Practice vehicle safety. It is never acceptable to leave pets in parked cars, even for a minute. Temperatures inside vehicles can rise quickly and considerably in a matter of minutes, even with the windows opened slightly. HSUS says on an 85-degree-day, temperatures inside parked cars can reach 102 F within 10 minutes. Pets can suffer irreversible and even fatal organ damage in that period of time. If you have to run errands, keep dogs and cats at home where they will be more comfortable.

· Stay off of hot asphalt. If you’ve ever walked on the hot sand or an asphalt driveway on a hot day, you understand just how scorching those surfaces can get. Dogs and cats do not have protective shoes to wear, so safeguard the delicate pads of their paws by keeping companion animals off of hot surfaces. Schedule walks in the early morning or late afternoon when temperatures are cooler.

· Schedule a pet grooming visit. The American Veterinary Medical Foundation suggests speaking with your veterinarian to see if it’s appropriate for your pet to get clipped shorter or to be shaved in the summer. But a fur coat can offer protection from the sun, so weigh the pros and cons before taking action. Apply sunscreen to your dog’s skin if he or she has a thin coat.

· Provide a way for pets to cool off. If you’re hot, chances are your pet is hot, too. Offer a means for pets too cool off, such as a wading pool when you are outside. Offer plenty of fresh water. Keep pets who do not enjoy the heat indoors with the air conditioner running on hot days.

· Look for indicators of heat stress. The American Veterinary Association says heat stress is marked by heavy panting, dry or bright red gums, thick drool, vomiting, diarrhea, or wobbly legs. Move pets exhibiting such symptoms to a cool place, drape a damp towel over the animal’s body, rewetting the cloth frequently, and get the animal to the vet as soon as you possibly can.

· Exercise caution in the water. Dogs can get swept away by rip currents just like human swimmers. If you will be boating, invest in a life jacket for your pooch and look for water hazards, such as currents, sink holes, and blue-green algae in lakes and ponds.

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5 Simple Ways to Increase Energy Efficiency & Savings

Fall and winter can be tough on your home and your wallet. As temperatures drop, chances are your furnace will be working overtime. This results in two things – greater energy consumption and higher heating bills. In fact, costs associated with heating and cooling a home year-round typically comprise two-thirds of the average energy bill.

Try these easy DIY projects to help cut down on energy loss and expenses:

1. Replace worn weather-stripping around doors and windows. Worn weather-stripping can create drafts and let heated air out, stressing your furnace and compromising your comfort. Replacing it takes little time and is a low-cost, high-impact solution.

2. Top up or replace old insulation in your attic. A poorly insulated attic is a primary source of energy loss. Also, over time, some types of insulation can settle and compact, allowing heat to escape through gaps. Experts recommend topping up or replacing attic insulation with a dimensionally stable batt insulation like Roxul Comfortbatt. Aim for an R-value of at least R-50 or a depth of roughly 16 inches.

3. Insulate basement headers and walls. Uninsulated basement headers are common, especially in older homes. They can act as a gateway for heated air to escape. Fixing the problem is fast and easy. Simply cut Comfortbatt mineral wool insulation to fit the cavity and compress into place. Doing this throughout your basement will prevent heat loss and can potentially save hundreds of dollars each year.

4. Caulk around windows. Cracks and crevices are a source of heat loss. They can also be an entry point for water/moisture, as well as for unwelcome insects. Preventative maintenance, such as caulking, can improve energy efficiency and prevent costly repairs.

5. Change your furnace filter. Make it a point to check your furnace filter monthly, always changing it when it’s dirty. This will improve the performance and efficiency of your furnace, saving you money.

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Inexpensive Ways to Boost a Home’s Curb Appeal

Curb appeal can go a long way toward making a home more attractive to its inhabitants as well as prospective buyers once the house is put on the market. Improving curb appeal is a goal for many homeowners, and while many projects aimed at making homes more aesthetically appealing can be costly, there are ways for cost-conscious homeowners to improve their properties without breaking the bank.

· Put your green thumb to use. A well-maintained landscape can dramatically improve a home’s curb appeal. Pay attention to the plants, shrubs and trees throughout your property, watering them during periods of little rainfall and trimming them when necessary so your lawn does not look like an overgrown, neglected suburban jungle. Professional landscaping services can help you maintain your property, but even if your budget does not allow for such an expense, you can still make sure your landscape adds to your home’s appeal by keeping a watchful eye on the property and addressing any issues that arise. Maintain your lawn through the colder months of the year as well, making sure no one walks on the grass when frost has settled, as doing so can produce dead spots throughout the lawn.

· Redo your front door. While their eyes may initially be drawn to a well-manicured lawn, prospective buyers will eventually find their way to the front door. If your door is especially old, consider replacing it. If your budget does not allow for such an expense, you can still give your home’s front entrance an entirely new look by installing some inexpensive molding around the door before giving the door a fresh coat of paint. Molding around the front door can make an entrance more impressive, while a new coat of paint can make a home feel warmer and more vibrant.

· Plant flowers. Another inexpensive way to make a home more appealing is to plant some colorful flowers around the property. Line walkways with flowers native to your region, as such plants will last longer than exotic alternatives that may not be capable of adapting to the local climate. In addition to lining walkways, hang window boxes filled with colorful flowers or plants outside naked windows. Doing so can make windows seem larger and add some color to your home’s exterior.

Another creative way to make use of colorful flowers is to place a few planters at the foot of your driveway and painting the numbers of your address on the planters. This can be both effortless and inexpensive, but it can instantly make a home more inviting to prospective buyers.

· Spotlight certain parts of your property. Many homeowners focus on improving the curb appeal of their property during the daytime hours, but you can take steps to make a home more appealing at night as well. Solar spotlights placed around trees and other attractive features in your yard can shed light on those areas of your property you’re most proud of, even after the sun has gone down. Solar spotlights won’t add to your energy bill, as they are powered by the sun, and they can make certain accents on your property stand out at night.

Improving curb appeal may sound like a significant undertaking, but there are many ways budget-conscious homeowners can make their home’s exterior more appealing without going broke.

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How to Cut Home Energy Costs

Home ownership is expensive. First-time homeowners may experience some sticker shock when shopping for their first homes, and that awakening may only grow more rude when the first month’s mortgage payment and utility bills arrive in the mail.

But owning a home still makes more sense for many people than does renting. In addition to the potential financial benefits of home ownership, many homeowners see their homes as points of pride that strengthen their families’ ties to their communities. And while the sticker shock of home ownership may never wear off, homeowners can take steps to cut costs around the house, most notably by employing a few strategies to reduce energy consumption.

Cooling

Rising temperatures tend to produce higher energy bills, as homeowners look to air conditioning to mitigate the effects of heat and humidity. While abandoning AC is an unrealistic idea for people living in especially warm climates, there are ways to make AC units more efficient. Routinely clean AC filters so they can operate at maximum efficiency, replacing old or worn down filters when necessary. Keep AC units off during the day when no one is home, using the unit’s programmable functions to turn the AC on roughly 30 minutes before you arrive home so the house is not a sweatbox.

Heating

Heating costs also can do damage to homeowners’ monthly budgets. Wood floors might be more trendy than carpeting, but carpeting can increase heat retention in a home, especially if the home has little or no insulation beneath its floors. When the heat is on, make sure curtains or drapes are not blocking vents, and keep them open during the daytime when you are home to allow more warm sunlight in. Much like with your AC unit, clean heating filters regularly and program the thermostat so you are not heating your home while no one is there.

Lighting

Cut lighting costs by replacing standard light bulbs with compact fluorescent bulbs, which are more energy efficient and have longer life expectancies. When installing external lights on your home, install motion-detecting lights so you can safely get in and out of your house without having to keep a porch light burning for hours on end. When laying out rooms in your home, place lamps in corners where they will reflect light off of two walls, providing more bang for your lighting buck.

Electronics

Vampire power is a little known foe to homeowners. Electronics like televisions and computers consume energy even when they are not turned on. This is referred to as “vampire power.” Unplug electronics when they are not in use, or plug such devices into power strips that you can turn off when you aren’t home or when devices are not being used.

Home ownership comes with many hidden costs, but homeowners can reduce their monthly energy bills in various ways.

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Fourth of July Barbecue Essentials

The 4th of July is fast approaching and revelers across the nation are preparing to toast their independence with family and friends. For many Americans, backyard barbecues are synonymous with the Fourth of July, a day that, in the United States of America, commemorates the adoption of the Declaration of Independence by the Second Continental Congress on July 4, 1776.

Precious few Americans can say they have not been present at a 4th of July barbecue or witnessed a fireworks display honoring America’s official declaration of independence from Great Britain. Hosting a July 4th barbecue for the first time may have some hosts anxious about throwing a summer soirée to remember, but fun is sure to be had if hosts remember to include the following backyard barbecue essentials this Independence Day.

Food

No Fourth of July barbecue is complete without food, so hosts should be sure to stock up on popular barbecue fare like hot dogs and hamburgers. Though such foods likely won’t be mistaken for gourmet fare anytime soon, Fourth of July revelers often embrace the tradition of grilling up some hot dogs and hamburgers even if they tend to avoid such foods throughout the rest of the year. Hosts should not feel pressured to provide gourmet fare on July 4th, but it is a thoughtful gesture to ask guests in advance if they have any food allergies or need to avoid certain foods for other reasons.

Beverages

It goes without saying that guests will need refreshing beverages at parties held in early July, but be sure to stock up on a variety of beverages so guests are not forced to consume drinks they don’t want. Be sure to have plenty of water available to guests, and provide sodas, iced tea and lemonade as well. Offer alcoholic beverages to adult guests, but don’t go overboard stocking up on alcohol, as that might encourage guests to overindulge.

Games

Backyard barbecues are most fun when guests are entertained, so plan to have some games available for guests of all ages. Encourage guests to bring a change of clothes or swimsuits if games will involve water or something that might soil their clothing. If you have a pool, purchase some pool games so swimmers can do more than just wade in the water or take a few laps. Plan a Wiffle® ball game for kids and dig some horseshoe pits or buy a ring toss set so adults can engage in some friendly competition as well.

Safety

Though no one wants to think of a 4th of July celebration taking a turn for the worst, hosts must prepare for emergencies. Restock the first-aid kit if necessary and keep a constant eye on guests, especially children, to ensure everyone is having a safe and happy time. Program a list of local taxi companies into your phone so you can easily call for transportation should any guests have too much to drink during the festivities. Hosts should abstain from alcohol so they can serve as designated driver should the need arise at the end of the night.

Backyard barbecues are a staple of July 4th, and there’s no reason your summer soirée can’t be one to remember for years to come.

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