Feb 08

By Tara Ross (Guest Blogger)

Even though I don’t look it yet, our new baby is 15 and a half weeks.

So I found ten interesting facts online about the fifteenth week of pregnancy. I also found out the stuffy nose I have could be a side effect of pregnancy, though I doubt it since Tyler and Gem both have stuffy noses and I am pretty sure they aren’t pregnant.

By the way, if any of this list is untrue, I apologize; I just copied and pasted off of various baby websites.

1. The baby now measures about 4 inches long, crown to rump, and weighs in at about 2 1/2 ounces (about the size of an apple).

2. The baby can move all joints and limbs. The baby’s legs have grown longer than the arms and the body is now longer than the head.

3. Although the eyelids are still fused shut, the baby can sense light. If you shine a flashlight at your tummy, for instance, it will likely move away from the beam. (Who finds out this stuff? How many ultrasounds do they do while pointing a flashlight at the baby?)

4. There’s not much for your baby to taste at this point, but taste buds are forming. And the baby can develop hiccups from time to time.

5. The baby might start sucking his thumb this week. (How could you possibly know that? Are there ultrasounds of thumb sucking babies?)

6. This week, the baby will start producing lanugo, which is fine hair that will cover the baby’s body up until a few weeks before birth.

7. The baby is spending most of its spare time practicing breathing, by inhaling and exhaling amniotic fluid. Believe it or not, the very act of doing so will help the baby’s air sacs develop during pregnancy. (I guess if you’ve got nothing else to do, you might as well practice breathing.)

8. Baby’s major organs are now fully ready.

9. The baby can hear you and other sounds.

10. The skin is very thin and blood vessels are visible.

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Feb 06


Trying to get your taxes done? Paperwork ready for the accountant?

I’ve listed below a few items that you can deduct on your taxes that you may not be aware of and few that you likely need before you file that 1020. Be sure to consult tax professional about any of the items listed below.

Surprise Deductions:

• Zoo memberships. (Who knew? But our zo is considered a donation to a non-profit organization and is therefore a membership is tax deductable. Be sure to ask your local zoo and/or your accountant.)

• Donations made to your child’s school and/or PTA. (We all write checks out of guilt to help out our kid’s schools and now you can deduct it on your taxes, too.)

• Magazine subscriptions. (If you order these publications as a work-related expense then you can deduct these from your annual tax bill.)

• Your accountant. (Make sure you keep your receipt from your accountant for preparing last year’s taxes or for any software you purchase if you prefer to DIY. It’s also a deduction.)

My Annual Checklist:
• 1099s and W2s
• Interest loans statements
• Mileage (You can also include any mileage that you do for charity/volunteer work)
• Property tax
• HOA fees
• Homeowners/renters insurance
• Mortgage interest
• Student loan interest
• Charitable donations – monetary or supplies

If you own your own home business or work from home you may be able to deduct these items:
• Business supplies (business cards, paper, equipment, tables, desks, etc.)
• Gifts (Items you buy for clients)
• Business trips
• Business meals (You’re allowed a certain amount for each meal while you are on a trip, and you can also count meals you have with clients and potential clients)
• Mileage (You can also include any mileage that you do for charity/volunteer work)
• Postage (stamps, shipping packages, etc.)
• Membership fees
• Tax preparation fees and bookkeeping fees
• Vehicle registration fees
• Union dues
• Home office space expenses (that percentage of your home that is dedicated to your office)
• Home phone
• Cell phone (that percentage of your calls that are business related)
• Internet
• Cable
• Water/sewer/trash bills to the city

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Feb 05

Whether you’re watching the big game this weekend or not, chances are you’ve got a great, easy recipe for finger foods or dips.

Here’s my easy, crowd pleasing dip. I served it on New Year’s Day, but it works year-round. It’s so easy even my husband could make it.

1. Open can of chili.
2. Open package of cream cheese.
3. Mix.
4. Heat.
5. Serve with corn chips.

Question: What’s recipe do you whip up when you’re on your A Game?

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Feb 04


By Amanda Farmer (guest blogger)

I people watch. I see you at the mall. I see you with your friends. And honey what I see isn’t always pretty.

For example, this week as I was sitting at lunch – Subway to be exact – a co-worker of mine and I were people watching. A woman walked in wearing a too-tight blouse exposing four lumps. Four lumps don’t look good. It’s not attractive and it’s not sexy.

I can’t help myself. As a manager at Victoria’s Secret, I’ve been dishing out advice for years and I love to turn my people-watching into one-on-one bra consultations. But since that might not go over so well, I’ve agreed to be a guest blogger.

So here’s my advice just in time for Valentine’s Day.

Problem Area No. 1: Your bra is too small.

Diagnosis: If you’ve got four lumps then your bra is too small. If the cup comes up half way or if it doesn’t completely cover the lump then your bra is too small.

Solution: You probably need to buy a larger cup size. How do you know? The underwire of your bra should cup the breast tissue. Need a way to test it? If you push the outside of the underwire what do you feel? If it fits properly you should touch your ribcage. If you find breast tissue instead, then you’ll know that the cup is too small.

Problem Area No. 2: Your bra is too big or the elastic band is too stretched out.

Diagnosis: If the band comes up in between your shoulder blades then you’re in the wrong size. You either weren’t buying the right-sized bra or you’ve stretched out the band over time.

Solution: Buy a new bra that fits properly. This one is dead. Gone. Put in the grave. Cover it with dirt. It’s a done.

Problem Area No. 3: Your straps are creating gouges in your shoulders the size of the Grand Canyon then your straps are too tight. Ladies tightening the straps won’t help lift them up. Bra support comes from the elastic band being fitted properly.

Diagnosis: If you can’t get two fingers underneath the shoulder straps, then they’re too tight. This pulling will only wear out your bra faster and your bra will be dead.

Solution: Loosen the straps until you can fit two fingers underneath the straps and make sure your bra is fitting appropriately in other areas.

Problem Area No. 4: Buying a bra that doesn’t fit right. Many ladies spend $10 on a bra and then they get $10 of support from it.

Diagnosis: Having any discomfort when you wear your bra or having any of the previous three problems.

Solution: First, you should get measured every six months. Forget what size you’ve been for the last 10 years because it’s probably not the size you are today. Once you’ve been sized you need to be fitted, too. Let the associate come in and show you how it should fit.

Solution No. 2 (if dealing with an associate one-on-one is too uncomfortable): Make sure the center of the bra in the front is directly in front of the center of the bra in the back. You should imagine an arrow shooting directly through you. Also the hook should be on the center hook for proper support.

Other Tips:
Straps falling off your shoulders? Pick a wider strapped bra.

Don’t be afraid of lined bras. A lined bra will give you coverage so you won’t show throw. It will also give you more cupping shape. Besides, no one wants to see that you’re cold.

A padded bra will give you cleavage enhancement. But be careful to not buy textured bras that will show through the fabric on your shirt. Like some texture close to your skin? Flat lace can be worn with everything.

What color is best? Nude can be worn with everything and should be worn with white tops. White on white makes it see-through. Black should never be worn with white. It’s just tacky.

How many bras should I own? At least three: one to wear, one to wash, and one to rest. Bras need a rest from all of their hard work. If you wear the same bras multiple days in a row you will stretch it out faster.

How do I wash my bras? If you choose washing machine expect your bras to last two months. Instead wash them by hand and then lay them flat to dry. This will add an extra six months of life to each of your bras. Buying additional bras will lengthen the life of the bras you already own if you rotate and wash them correctly. Also, lingerie bags don’t count as hand-washing. In between hand-washing your personals you can take them in the shower with you and freshen them up with body wash and then lay them flat to dry.

Can you offer special advice for the super-sized or super-small? There’s a bra for everyone. Try specialty stores like Victoria’s Secret, Lane Bryant or Torrid if you’re a living large. More petite ladies should try European sizes at specialty shops.

How much should I spend? Bra shopping is an investment so you get what you pay for. Don’t be afraid to spend $20 or more per bra. If you care for them properly they’ll last longer and offer more support along the journey.

Question: More questions? Ask Amanda by sending me an email at ann@3girlsandapug.com. Don’t worry. It’s anonymous.

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Feb 03

Costco is giving away a great preschool program — Jump Start Preschool and Kindergarten. My daughter will be starting kindergarten this fall, so it couldn’t come at a better time for us to snag this great deal.

This is a great deal for families with a preschooler but it also makes a great gift if you don’t have a child in that age group. Hurry to redeem this great offer because it’s only good TODAY!

Go to the Costco site and get your Free Jump Start Preschool and Kindergarten, (17.99 value) after rebate and the shipping is FREE. You don’t you have to be a member. If you aren’t a member you will have to pay a 90 cent fee. Tax is $1.33 (for all purchasers) but for $2.20 total, this is a deal you can’t refuse.

This standard rebate offer is valid on qualified online purchases dated February 3, 2010 with a limit of one (1) rebate per household/membership.

Once you have received your ship confirmation email, visit the costco.com rebate center to submit your rebate online. For additional details and restrictions contact Costco Rebate Customer Service at 1-866-355-3137.

You can print the rebate form out and mail it in, or complete it online if you’re already a Costco member.

Thanks Mojo Savings for the scoop on this great offer.

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Feb 02

After a series of wet and windy storms our family woke up to a massive leak in our roof. Lucky for us it was over the master bath shower and it was covered under warranty. However, it was a great reminder that water damage is an expensive mess.

Here are a few ways AAA recommends preventing water damage in the four walls of your home.

• Look around. Do you see any warped wood or moisture spots around the fridge, dishwasher, sinks, toilets, etc.? If so, that can be a sign of a leak. Also check your hoses and replace any that seem worn. A $10 replacement hose can save thousands in repair and replacement costs.

• Check the bill. Is your water bill higher than normal? If so, it could be an indication that you’ve got a leak somewhere.

• Feel the heat. If you have warm spots on your floor it could be a red flag you have a hot water leak under your slab. Get that checked out as soon as possible because it could be a silent soaker that can cause lots of costly damage.

• Test Annually. Buy a gauge from the hardware store and test your water pressure. Normal water pressure should be between 45-65 psi, according to AAA. Excess pressure cause stress on your plumbing system. I recommend adding this to a semi-annual house inspection list. (See previous blog entry — http://3girlsandapug.com/category/tidy-up-tuesdays/page/2/)

• Go to the root of the problem. Check your main sewer line to make sure tree roots or other obstructions aren’t clogging your system. One of my friend’s young sons threw giant rocks into their main sewer line and it cost them a pretty penny to fix the problem.

• Take a break. When you hit the road for a vacation you may want to consider shutting off the water to your home. We came home from vacation once to find that our hot water heater exploded and sprayed water all over the entire contents of our garage. We were thankful our neighbor noticed and called the fire department.

Question: Have you sprung a leak in your home recently?

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Feb 01

Age is really just a number.

I’m not the kind of person who frets about my age. However, on occasion my age does give me a little shock when I think about exactly how many years I’ve been alive.

Today is one of those days. Today’s my birthday.

Don’t get me wrong, I’m really NOT old. I don’t have that many wrinkles yet, and I have yet to find a gray hair in the mirror. With that said, I think I still picture myself being 25. That is until I find myself in a room of 25 year olds and I realize I’m NOT 25 anymore.

I don’t really want to be 25 again, but that’s where my life kind of settled into a comfortable groove, it feels like time has kind of stood still since then. But time doesn’t work that way. Even though it feels like time is frozen, it just keeps on ticking. Tick tock, tick tock.

A day turns into a month, a month into a year, and then here I am today wondering, “How is this possible that I can be getting older? How can I have kids this old? How can all of my friends me this old?”

I had a conversation with my daughter that reminded me that it’s been years since I’ve counted my birthdays on ten fingers.

“Mom, how old are you?” she asked.

“33,” I answered.

“Wow!” That’s a BIG number,” she replied. “Don’t feel bad that you’re old. There’s a girl in my class whose mom is really old.”

“Oh yeah,” I said. “How old is she?”

“She’s 40!!” she exclaimed. “Then she went on to say that someone else had a Dad who was 50. She followed that up by saying, “That’s like almost old enough to be dead.”

I guess I better brace myself for more of these types of conversations because I remember thinking 40 sounded old only a few years ago. Now as the number 30 is getting farther off in the distance and 40 is coming into better view I can see how this all happens and time slips through your fingers.

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Jan 29

Enjoy a chilly weekend at home with this delicious and healthy soup submitted by a fellow reader and fan of 3 Girls and A Pug, Joy Henshaw.

It’s a hit in our house. In fact, it’s a great way to re-use any leftovers you have after eating tacos or other south of the border yummies. Test it out in your kitchen and let us know if it’s popular at yours too.

Taco Soup
(submitted by Joy Henshaw, California)

1 lb ground beef, browned and drained
1 small onion, chopped and cooked with hamburger
2 cans corn (with liquid)
3 cans beans (with liquid) choose your favorite three
2 cans petite cut tomatoes (with liquid)
1 pkg taco seasoning

Mix and heat through. Add water if more liquid is desired. Serve over tortilla chips and garnish with shredded cheese and sour cream.

Question: What’s your favorite rainy day or winter day soup?

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Jan 28


Is it bad to admit that I already daydream about retirement when my oldest child is still in elementary school and my youngest hasn’t even started yet? I haven’t figured out the details on how or where we’ll spend our golden years but I’m hoping it includes a beach chair, a ukulele for serenades, and endless chocolate-covered strawberries.

The best place to start planning for retirement is to know where you want to finish. Where would you like to retire? How much money do you think you’ll need?

Once you’ve figured out when you want to retire and how much you’ll need to save then you can count backwards. Using your estimates for the future should give you an idea of where you need to be in 10 years, 2 years, and now to reach your future financial goals.

Once you’ve figured out what you need to do, find a goal you can start with immediately and implement it into your day-to-day life. Maybe the first step is to cut out all trips to the drive thru out or maybe it’s as simple as tracking your expenses and trimming out another expense. Make realistic short-terms goals and keep your long-term goal in the forefront of your mind.

If you have a 401(K) plan then this is a great time of year to evaluate how aggressive your investing is and to increase your contributions when you get a raise.

Reward yourself along the way. As you begin to reach your mini-goals of paying off debt or stockpiling cash in your savings account, be sure to reward yourself as you reach your milestones. It feels good to pause and enjoy the vistas along a great hike before you reach your final destination. Stop and enjoy a moment before you keep climbing up the mountain. It will motivate you to keep going when you hit the rough spots along the way.

Goals are really just talk until you put them in writing. Be sure to put your plan in writing and keep it somewhere you can look at it frequently to keep yourself motivated.

Involve the kids, too. We recently sat down with our little ones and told them about parts of our financial plan for the next few years. Our reward will be a nice family trip next spring. We brainstormed as a family ways we could cut some things out of our budget. They actually suggested turning lights off when they leave a room and cutting out extras like eating out and movies. (What a motivated bunch of kids!)

Question: What age do you hope to retire?

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Jan 27

The Children’s Place is having an awesome deal — online and in their stores. They’re offering an extra 50 percent off all of their clearance items. Now’s a great time to stock up on winter clothes and fill in the gaps to make it through the rest of the cold days until spring. They have a falt fee of $5 on all shipping orders, so make sure you fill up the box!

http://www.childrensplace.com/webapp/wcs/stores/servlet/TCPSearch?storeId=10001&langId=-1&catalogId=10001&categoryId=27151&categoryIdsTree=27151&categoryNameTree=big+girl&categoryName=biggirls&N=0&Ne=&Ns=default&Nao=100&Ntt=&sale=1&dept=1027151&url=SaleView

Also, Old Navy is promoting their extra half-off clearance sale. I just swooped up some more pants for daughter who has already outgrown all of her winter clothes I bought in the fall. Where else can you get new jeans for under $5? (And they’re super stylish, too.) We also picked up a cute pair of printed wannabe Uggs for $6 (Just in time for the rain, too.). They had tons and tons of adult clothes (including tons of maternity gear) as well and they seem to be putting out new stuff everyday. If you haven’t been by recently it might be worth it to see what they have on sale today.

Question: What’s the best deal you’ve found recently?

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