Interesting Things to Know
How to store your emergency funds
Building up an emergency fund is one of the smartest steps you can take to ensure your financial and overall well-being. Emergency funds are liquid funds that you can tap into when times get tough. Maybe you need to pay for an expensive automotive repair, or perhaps the fridge dies. If you suddenly have an expensive and unavoidable bill to pay, an emergency fund can come to the rescue.
But where do you store those funds? Here are three considerations for your emergency fund:
- Your funds should be easy to access. In the parlance of finance, they should be liquid — funds you can get today if you must.
- But not too easy to access. You should have to take an extra step and think about it for a minute. You should keep those funds where you can easily forget them but still remember them in an emergency.
- They should also be safe. You don’t want to risk your emergency funds.
- They should prevent you from falling into debt.
With those requirements in mind, it’s easy to eliminate stocks and credit cards as an emergency money source. While stocks can be a very good investment, giving you a lot of return, they also can go down. While some financial experts argue that some portion of a large emergency fund should be in stocks, if your fund is less than $10,000, don’t risk your money.
Credit cards don’t work because they add debt. The whole idea of an emergency fund is to prevent a spiral into debt. You might be able to handle one small financial emergency on a card, but if a second emergency follows, you end up servicing debt rather than saving money.
That leaves savings accounts. They allow you to make regular deposits, and they are safe.
You want to keep your emergency fund separate from your regular savings and checking accounts, making it easier to track your finances. Once a month or so, you can simply take a peek at your account to reassure yourself that the funds are there and will be there when needed.
Choose a separate credit union or bank for your emergency fund. Another choice is a high-yield online savings account. Those accounts usually have a higher interest rate than traditional banks.
Health
Mosquito Season: Staying Safe with the Right Repellent
With mosquito season in full swing, the buzz isn’t just about the annoyance of itchy bites—there’s a serious side to these pests. Mosquitoes are notorious carriers of dangerous diseases like West Nile virus, malaria, and dengue fever, making effective repellents crucial for comfort and health.
DEET, developed by the U.S. Army in the 1940s and available commercially since the 1950s, remains one of the most effective ingredients in mosquito repellents. Despite early concerns about its safety, public opinion has largely shifted, favoring DEET’s effectiveness over potential risks, especially in areas prone to mosquito-borne illnesses.
How does DEET work? It doesn’t repel mosquitoes in the traditional sense. Instead, it confuses them. DEET interferes with the receptors on mosquitoes’ antennae, effectively dulling their ability to detect and feed on human blood. This makes DEET-based products a top choice for preventing mosquito bites.
The research underscores the superiority of DEET in prolonging the time until the first mosquito bite. A New England Journal of Medicine study found that DEET products were significantly more effective than other repellents. For instance, a product with just 6.65% DEET can protect for about 112.4 minutes, while options with higher concentrations, like OFF! Deep Woods, with 23.8% DEET, offers up to 301 minutes of protection. In contrast, citronella-based products lag behind, providing only 10 to 20 minutes of relief.
However, when it comes to children, the American Academy of Pediatrics advises caution, recommending that repellents for young users contain no more than 10% DEET. The debate continues among experts regarding the safety of DEET products for children, but the consensus is clear on one point: DEET is effective.
For those looking for more information on choosing the right mosquito repellent and understanding the safe use of DEET, resources such as health.harvard.edu provide valuable insights.
Staying informed and prepared is key as we navigate through peak mosquito season. Whether camping, hiking, or just enjoying an evening in your backyard, a good repellent can make all the difference between a pleasant outdoor experience and an uncomfortable, risky one.
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The Great Dishwasher Debate: Silverware Up or Down?
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From Foster Care to Fulfillment: The Inspiring Journey of Rob Henderson
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Unlocking Laughter: The Power of Knock-Knock Jokes for Kids
If you’re an uncle, aunt, or grandparent eager to connect with a young child, mastering the knock-knock joke is a must. Children, especially those around five, find immense joy in the simplicity and predictability of a well-delivered knock-knock joke. These jokes aren’t just about causing a burst of giggles; they’re key to engaging with children in a way that lights up their brains with joy and laughter.
A 2012 study sheds light on how humor activates similar regions in the brains of adults and children. While adults have more developed centers for humor, five-year-olds are just beginning to grasp the structure of stories and jokes, including a start, middle, and end. This developmental milestone makes knock-knock jokes an ideal form of humor for them, tapping into their newfound understanding and appreciation of sequence and surprise.
The journey into humor begins even earlier than five, tracing back to the first chuckles elicited by a game of peek-a-boo. Laughter and humor comprehension are not just about the momentary joy they bring; they are integral to the development of creativity, empathy, and resilience. Publications like The Globe and Mail have highlighted these benefits, emphasizing the importance of nurturing a sense of humor from a young age.
For those looking to become a favorite relative, here are a few knock-knock jokes guaranteed to delight:
- Knock, knock.
- Who’s there?
- Tank.
- Tank who?
- You’re welcome.
- Knock, knock.
- Who’s there?
- Howl.
- Howl who?
- Howl you know unless you open the door?
- Knock, knock.
- Who’s there?
- Boo.
- Boo who?
- Don’t cry, it’s just a joke!
These jokes are simple yet effective tools for creating moments of shared laughter and joy. They do more than entertain; they build connections, enhance understanding, and contribute to a child’s emotional and cognitive development. So next time you’re planning a visit to a young relative, arm yourself with a collection of knock-knock jokes. You’ll not only be the star of the hour but also play a role in fostering a lively sense of humor that carries lifelong benefits.
Interesting Things to Know
Harnessing Your Sixth Sense: How to Use Intuition Effectively
Intuition, often called a “sixth sense” or a hunch, is a powerful mental tool that can guide us through decisions when logic alone isn’t enough. Psychologists from York University in Toronto have explored the origins of these intuitive insights and suggest practical ways to harness them effectively.
Understanding Intuition
Intuition operates as an ability to understand something immediately without needing conscious reasoning. It allows us to make decisions quickly, especially when we have limited information but a wealth of relevant experience. This sixth sense can often seem like it comes from nowhere, yet it’s deeply rooted in our past experiences and knowledge.
Enhancing Your Intuitive Abilities
- Expand Your Knowledge Base: Intuition is stronger in fields where you have more expertise. Invest time learning and expanding your knowledge to improve your intuitive abilities, especially outside your current areas of expertise. This broader understanding sets the stage for more frequent and accurate insights.
- Take a Step Back: To cultivate intuition, engage deeply with your questions and potential answers, then take a deliberate break. Activities that fully relax and occupy your mind can refresh your cognitive processes and lead to breakthroughs when you revisit the problem.
- Trust Your Gut: Experience fuels intuition. Trust your gut feelings, especially in areas where you have deep knowledge. While intuition sometimes contradicts logical reasoning, it often points toward innovative solutions that logic might miss.
- Verify Your Insights: While intuition can lead to rapid conclusions, validating these insights with facts and data is crucial. Before acting on a gut feeling, cross-check it with reality to ensure it stands up to scrutiny. This process confirms the validity of your intuitive leaps and can prevent potential mistakes.
Intuition as a Problem-Solving Tool
Intuition isn’t about making random guesses. It’s an advanced form of cognitive processing that blends past experiences with present awareness. By fostering your intuition through learning, relaxation, trust, and verification, you can enhance your decision-making skills in both personal and professional realms.
Remember, while facts and data are crucial, there comes a point in decision-making where you must rely on intuition’s less tangible yet profoundly insightful power. Embrace it as a complementary tool that, when used wisely, can lead to more holistic and effective problem-solving.