Category Archives: Uncategorized

What is a line of credit?

As a finance professionL I am asked a myriad of different questions in regards to personal finance. From simple questions on account balances to the fine workings of credit, there is never a dull moment or a dull question. One common misconception I have seen is what a line of credit is and exactly how it works.

A line of credit is a revolving line of credit (similiar to a credit card) that allows you to access money as you need it up to a certain limit. You can borrow up to that limit again as the money is repaid over time. A line of credit requires approval by a bank or credit union through various criteria such as credit, income, and other factors that a lender may require. Once funds from a line of credit are used, interest will accrue until the loan is repaid.

Unlike traditional personal loans (and most credit cards), the interest rate on a line of credit is generally variable, meaning it could change as broader interest rates change. This can make it difficult to predict what the money you borrow will end up costing you over time.

Generally speaking, lines of credit aren’t as common as their counterparts know as home equity lines of credit or HELOCS (we’ll visit this later). These see usage for various things such as home improvement projects, weddings, unexpected repairs, and other things that might not have a certain upfront cost. Additionally, there may be other costs associated with the line of credit, such as maintenance fees. Be sure to consult your lender in regards to learning all fees associated with a line of credit. Credit cards will always have minimum monthly payments, and companies will significantly increase the interest rate if those payments are not met. Lines of credit may or may not have similar immediate monthly repayment requirements.

In summary, lines of credit are useful tools that can benefit you if there are things that are appropriate to use it for. They aren’t common, but whether it be for a person or for a business, a line of credit can be a viable asset to move things along. Until the next time dear readers. Excelsior!

Quick shrimp wraps

The year has flown by at a breakneck speed. With days seeming to fly by at light speed, it can be hard to keep track of things, let alone take the time out to cook. In response to this it’s easy to get a fast food meal out, but of course if you’re looking to eat something healthy and quick there is a fun quick recipe I’d like to share for your viewing pleasure: quick and easy shrimp and veggie wrap with chimchurri sauce. I used a simple assortment of veggies, but you’re free to add more as your heart desires.

Ingredients needed

1-2 lb frozen shrimp (tail off peeled and deveined preferred)

1 of each: green bell pepper and yellow pepper

2 cups fresh spinach

1 pack of 8 count high fiber Wraps

Assorted seasonings: for this batch, I used Mrs. Dash table blend seasoning, pepper, paprika, Tony’s creole seasoning, turmeric, and garlic powder.

For chimchurri sauce

1-2 lb of fresh parsley

1/4 cup oregano

2/4 red wine vinegar

6 cloves of garlic

A pinch of salt

2 dashes of red pepper flakes

2/3 cup olive oil

Step 1 – Be sure to thaw out the shrimp if you haven’t already done so. Be sure to double-check your shrimp for any impurities that may need to be removed.

Step 2 – After the shrimp have been thawed and cleaned, place the shrimp into a bowl and apply the assorted seasonings listed above. Set the shrimp to the side

Step 3- Chop peppers into strips and set aside in a bowl or container.

Step 3- In a food processor (or by hand), finely chop the garlic cloves and parsley and, upon completion, place into a bowl. Once in the bowl, apply the oregano, salt, red pepper flakes, olive oil and vinegar, and mix. Once all mixing has been complete, set this aside

Step 4- Heat up your desired cooking oil n a large saucepan and add the shrimp. Cook until the shimp is opaque in color and remove from heat. This should take roughly 5 minutes

Step 5- Once the shrimp has been removed, proceed to cook the pepper strips to your desired tenderness and remove from heat.

Step 6- Take one fiber wrap tortilla and apply a layer of spinach, followed by the pepper strips, and add a layer of shrimp and finally a helping of the chimchurri sauce.

Step 7- Enjoy!

The finished product!

And there you have it. A quick and easy, nutrient dense, and savory meal that can be enjoyed any day of the week. Feel free to add and subtract your favorite vegetables as you see fit for even more nutrients. Bon appetite dear readers, until next time!

Train your brain

As we get older, our brains tend to age as well. Some quicker or slower depending on chemistry, genetics, and other external factors. No matter where you are in life, it is imperative to keep your mind active, strong, and firing on all cylinders for as long as possible. The need to train ones brain is imperative in this day and age.

Just as our bodies require care and exercise over the course of our lives, so do our brains, especially as we age. Lifting weights strengthens our muscles, while strengthening our mental “muscles” improves our memory, attention, brain speed, people skills, intelligence, and navigation.

The ideal concept to keep in mind is variety. Just as muscles plateau when a workout gets easier, our brains can it a plateau as well. When a plateau happens, there is no further growth, and in order to continue getting stronger, one must vary the weight or lift differently to achieve better results. The same applies to our minds. This variety can come from learning new languages, reading different books, doing more challenging puzzles(crosswords, sudoku, scrabble, etc.), learning a new skill (martial arts, learning an instrument, crafting, etc.), daily meditation, etc. These different methods will help keep your brain active and thriving.

Additionally, there are things that can dampen our mental fitness that we need to be mindful of. Stress, excessive consumption of social media, poor sleep, etc. These are all things that can harm our mental state. It is imperative that we manage our stress levels and sleep schedules as these can have drastic effects on the body over time. Excess junk media can also be empty calories for the brain and should only be consumed in moderation.

In summary, our mental health is important, and it shouldn’t be neglected. Keeping your brain active will keep you sharp as a tack and on your toes. For a way to get you started, I’ll share with you a puzzle book that I recently purchased that I’m having a great time with. Our brains are eager for a challenge and for more knowledge, hence our sense of curiosity. Feed your brain and train it well. It’s not a visible muscle, but it is your most important one. Until next time, dear reader, Excelsior!

Do you even brain lift?

Ending summer on a flavorful note

With back to school season approaching (or in some cases already starting), time is winding up for summer activities. With such limited time, back to school shopping, work, last-minute family vacations, and the like, it’s hard to take a seat and get some things done. In honor of the end of summer, I would like to present a quick, tasty, flavorful, and healthy: quick and easy chicken fajitas!

First, we’ll need chicken breasts (size will vary depending on how many you have to feed, but for this recipe, I used 6 Oz chicken breasts). The chicken breasts must ve sliced butterfly style, after which each half must be cut into strips. Once cut provide a generous seasoning of your choice (for this recipe, I used garlic powder, pepper, Mrs dash seasoning, onion powder, paprika, a little cumin and cayenne pepper) and set aside.

Next, we will want to get our veggies. I used yellow and orange peppers and half of a white onion for this batch. Cut all of the vegetables into strips and sit the vegetables to the side once sliced. After chopping up the vegetables, pour a light coating of vegetable oil into a skillet and cook the vegetables to your desired tenserness and set aside.

After the veggies are done, nexr we cook the chicken strips that were placed aside to soak in their seasoning. Cook the chicken until completely cooked through. Once cooked throughly, add in the veggies and mix well for several seconds and remove from heat. Additionally, you can warm up your tortillas to make them easier to roll up as well.

Once the tortillas are warm, take the veggies and chicken mix and apply a generous portion to the tortilla. Once the tortilla is filled use and topping to add to the mix to complete it (I ueed spinach and tomatoes as well as salsa and sour cream to top it off). Once everything is together you are ready to eat in no time!

This quick and easy recipe is easy for anyone of any skill to cook. This is a fun recipe to get the whole family in and is always a crowd pleasing dish that is also super filling depending on the size of the fajitas! Until the next time dear readers, stay healthy and safe. Excelsior!

A quick update

I wanted to take a moment to share my latest project I’ve been working on that is very near to my heart. I have been working on a monthly budgeting tool with a few extra goodies to help highlight where money goes and helps track where one is compared to their projections. This is a great tool that can be reused easily and can even help you recognize where you are in terms of building your net worth. Click here to view my monthly budgeting tool.

A snippet of a chart from my planner detailing spending categories

I still have my latest entry aside from my update in store for later this month. Stay tuned dear readers for the next entry! Excelsior!

The F in fitness means fun

As someone who likes to exercise and also likes to travel, there are times where A) I might not have time to work out or B) I lack the proper equipment to do so. I’m moments like these it is good to come up with creative ways to get a good quality workout session in. One method I utilized during the pandemic, and sometimes just for fun, is the utilization of playground equipment. To add more difficulty for these workouts, you can also use a weighted training vest to add more variety to your training.

To start things off, I begin with a light jog to the playground to get the blood flowing as I live nearby to a park in my neighborhood. After warming up, I then assess the equipment for ideas to get things going.

Not my playground but think of the possibilities

For my particular exercise I recently used I did the following: chin ups 3 sets of 10 repetitions using the hanging bar, 3 sets of 10 repetitions of dips using the bars for the steps leading to the play structure (or the bars making the bridge works too), I utilized the stepping platform (or rock climbing wall of the angle is good enough ) for a challenging plank for 3 sets of 45 seconds, and to finish up I used a picnic table for box jumps for 3 sets of 10 repititions. (Alternatively any high platform on the play structure will work fine so long as you have clearance to do it without bumping into anything).

Fitness is an important investment, and despite circumstances, it pays to be creative to get those reps in. Given that it is now summertime, this can be a fun edition to a workout program. Challenge your mind and body with this exercise I did or make your own up. Remember, the F in fitness stands for fun. Excelsior!

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The Iroh workout

Greetings dear readers, it has been a while but after a brief sabbatical I have returned. Speaking of returns, the warm weather is looking to make a return to prevalence after a moderate winter. After all these months of hibernation it is time for summer sports and activities. The best way to get ready for the more active time of year is preparing our physical health for outdoor projects and other activities.

For this year’s preparation I will share my latest workout plan I have prescribed myself to during the last several weeks. This plan comes inspired from one of my favorite shows growing up: Avatar the last airbender. Mild spoilers for those that haven’t watched this masterpiece of a series: one of the main characters, general iroh, is imprisoned and during his time in prison he spent time planning and preparing his body for his eventual escape from his captors. I will highlight his training regimen during his time in prison: sit ups, clap push-ups, hand stand push-ups, one hand pull ups. Inverted sit ups at the top of his cell. Of course there are more workouts one could do to develop more strength but I will focus on exercises one can use with limited to no equipment.

General Iroh aka the dragon of the west

I will divide these exercises into specific levels to work up to as time progresses. I’ll also include alternatives to mix things up as needed. For an extra challenge, you can also increase the set totals or reps per set (I recommend increasing the reps by increments of five). I would recommend 30 second to 1 minute rest periods between sets as you progress.

Level one:
3×10 Pike Push Ups

3×15 Sit Ups/Crunches

3×20 Push Ups

3×25 Lying Leg Raises

Level Three:
3×10 Handstand Push Ups ( alternatively I used incline/decline Push Ups as I can not do a successful handstand…yet)

3×15 Pull Ups (regular or door trainer modified. Check out my paid link for a good starting door trainer)

3×20 Sit Ups

3×20 Clap Push Ups

3×25 Hanging Leg Raises (or lying leg raises with ankle weights if available)

Level Four:
3×5 One Arm Pull Ups (each arm) or do a door frame row to work your way up

3×15 Inverted Sit Ups

3×20 Handstand Push Ups (alternative incline/decline Push Ups)

3×20 Clap Push Ups

3×25 Sit Ups

I have tried this workout program for myself, and it has been a very good series that doesn’t require heavy weight. This is perfect in a limited to no equipment environment and for those who love callestenic workouts. Until the next time, dear readers. Excelsior!

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Fighting February

Words are powerful, use them wisely

Everyone has a “bad” period of time in their life. From a bad day to a bad year (or three if we reference the last few years depending on the experience). These are tough spots to find oneself in, but where there is a bad time, there is a good time.

From struggling Performance at work, rough patches in relationships, health nagging, money trouble, writing blocks, and more. These are different struggles any and everyone faces on any given day. These times can prove rather disheartening and discouraging for anyone. Despite this feeling of discouragement, it is imperative to be able to know that there are tools and resources and people around you that do care about your struggles, and there are people in your corner cheering you on. From 10 friends to 1 friend and everything in between, there are people who can encourage, uplift, and inspire. Seek out people and things that uplift and bring about positive results to your struggles. For some that could be a workout in the gym, others’ time in prayer or meditation, and other’s time with loved ones over a home cooked meal. No matter the struggle or test; seek out the light at the end of the tunnel for the good of your bad day or situation. Reach out to others and pour out your support to them as well as you never know what their struggle may be. Take the time out to call that friend or family member to let them know you care about them and see how it brightens their day. We’re all we have in this world. Why not use the time we have to help each other when we’re down and stand up together?

This month seems to have been a hard month for a lot of people I know personally and maybe it’s the same for you. I encourage you to take the time out to find the things that lift your spirit, mental health, and overall well-being and cherish them in times like these. Stay encouraged, dear readers, Excelsior!

New years Solutions

Happy new year to you dear reader! I hope this post finds you well and happy. This is the time of the year that people make their new years resolutions for various things. Resolutions in regards to health, money, relationships, business etc. Resolutions statistically have been broken by many people (including yours truly). So the question to be asked: What is the solution?

First, let’s look at the definition of a resolution: a decision to do something or to behave in a certain manner. That means a decision to take a course of action to achieve a particular goal. This is the conscious decision to do something to better one’s situation. 80% of New years resolutions failed by February of that year. Why aren’t we more successful at keeping our New Year’s resolutions? Some reasons include the idea that we’re thinking too big and not knowing where to start, not considering a “why” behind it, and the fact that one might not be ready to make such a change.

This points out a need for a change in approach would be not a resolution but a solution. A solution is a means of solving a problem or dealing with a difficult situation. This means in order to reach a solution, one must look at all of the variables in a problem. This involves looking at the broad scope of the problem and why the problem persists. Once the solution to the problem is found one must implement said solution to fix the problem and stick to it.

Instead of a new years resolution, one would make a New years solution. Set SMART goals (Specific, Measurable, Attainable, Realistic Timely) that you will be able to stick to with conviction to accomplish your solution to your problem. Write it down on a vision board or a journal, and whenever you feel like quitting, look at what was written down. If you can write it, you can achieve it because it will serve as a reminder of the decision you took on to solve the problem you are facing in life.

Statistically speaking, New years resolutions can fail. If you can turn your resolutions into solutions and create a clear road map, you can reach your goals and clear your challenges. Once you start, keep writing reminders down to encourage you to keep going until you hit your goal. Until the next time, dear readers. Excelsior!

Ending the year on a flavourful note

Holidays are a pretty busy time of year for everyone. It is easy to get lost in the shuffle and neglect things. One thing one should never neglect is one’s diet and nutrition. Last month I gave you a nice dessert so let’s balance that out with a nice simple savory dish: bell peppers and beef. While this was anime inspired from one of my favorite animes (cowboy bebop) I assure you that it the style will be a little different.

For this recipe we will require the following: 1 bell pepper of each color ( for this I only used red/green peppers to start), 1/2 of a small onion, 1 lb of beef chuck (you can substitute for 1 lb of mushroom and tofu for a vegetarian option), assorted spices and seasonings of your choice (Mrs. Dash, old bay, paprika, garlic powder, and pepper were used here) and honey sesame sauce (homemade or store bought)

First, clean your peppers and peel your onions. Once complete, mince your onions and place to side in a bowl. Proceed to slice your bell beppers into strips and add to the bowl with the onions. Lightly season your veggies with your seasoning mix and set aside.

Ready for the fire

Nexr, chop up your beef into bite-sized chunks and remove any gristle or fat as you go. Be sure to season your beef (or mushroom/tofu substitute) and place to the side.

I found the beef

Next, lightly oil your skillet and apply your seasoned beef, and cook thoroughly. Once cooked, set aside in a bowl.

Ok maybe I went a little toooo light on that oil.

Next you will place your veggies into the skillet and cook until tender. Once complete set aside in your bowl with the beef

Cook until the veggies comply

Lastly you can either caramelize the honey sesame sauce in the skillet or add the sauce after depending on your preferences. Once complete, you’re ready to go! Serve with your favorite beverage, and you’re ready to eat.

The whiskey is optional

And there you have it. A simple and quick meal you can enjoy any day of the week. This makes about four servings with my list of ingredients, and it is very filling for the small serving size. Going into the new year, I wish you nothing but the best and success in all your endeavors. Excelsior!

Who did it better?