December Newsletter
"The Holiday Season Is A perfect Time To Reflect On Your Blessings And Seek Out Ways To Make Life Better For Those Around Us" ~ Terri Marshall

SAY GOODBYE TO DRY SKIN AND HAIR

 

Winter weather can make your skin and hair look and feel like an alligator.  Cold temperatures and winds, along with outdoor activities, contribute to uncomfortable flakey and dry skin. It can also really damage your hair.  

 

Here are some tips on what you can do...

 

1.  A hot shower on a cold morning sounds great, but that is not the best idea. In fact, hot water will dry out your skin and hair, leaving skin dry and scaly and hair looking dull.  Instead, take a shorter warm shower, no more than ten minutes.
 
2.  When done with the shower or washing your hands, apply cream or lotion to your freshly dried skin. Your hands will dry out with all the soap and/or alcohol-based hand sanitizer too. Have your stylist help you choose a hair conditioner for the winter months.
 
3.  When choosing a skin lotion, read the ingredients. Look for creams or lotions with ingredients such as ceramides, urea, lactic acid and dimethicone.
 
4.  Having the heat on will dry out your skin and hair as well. Use a humidifier in your office or home to add moisture to the air.
 
5.  What you wear actually matters. Cotton is a soft natural fabric that will not irritate your skin.  You can wear a thin cotton layer under your clothes. Protect your hair from wind.
 
6.  Always use sunscreen. You can find moistures that include sunscreen with an SPF 15 or higher for daily use and SPF 30 for recreational use. This is true even during the winter.
 
7.  Remember that your scalp is part of your skin. Dry scalp problems sometimes require a different shampoo or conditioning treatment. Talk with your stylist about the best solution for your situation.
 
8.  Your skin is your largest and most protective organ. Take good care of it.

FINANCIAL TIPS

A study by an educational tech company found that the average U.S. college student can answer about a third of basic financial questions.  While you may not be paying your own bills or have a full-time job, it is crucial to have financial knowledge and learn to establish good credit history.  It is important to develop smart financial habits that will help you over the course of your life. Here are a few tips to get you started.

 

1.  Build Credit.  Students need to get educated about the importance of building a credit history, and the way to do so responsibly. The only way to build good credit is to use credit.  You need to take out a loan or open a credit card. Opening a basic card in college and paying it off in full each month will positively impact your credit score.

2.  Budget.  College students use money for discretionary purchases, such as clothes, entertainment, fast food, etc. Those impulse purchases tend to add up fast.  Trying to resist temptation is an uphill battle. Create a spreadsheet of your available money and plot out your expenses. See if you can locate any apps that will help track your spending.

3.  Student Loans.  It is important to be educated about your options before and after you take out your student loan.  Understanding the terms of the loan is very important.   Understand “subsidized” versus “unsubsidized.”  Unsubsidized loans accrue interest during your time in college; subsidized loans are interest-free while you are a student—which means they will cost you less in the long run.  Also, investigate programs that make repaying loans even easier once you have graduated. For example, if you end up working at a school, in the military, or as another type of public servant, you may qualify for a federal loan forgiveness program that may give you a discount on your debt.

4.  Protect Yourself Against Identity Theft.  College students can be a target for thieves because they spend a lot of time on unsecured WIFI networks. Make sure your electronic devices are all locked with a password or fingerprint key.  Also, remember your email is full of identifying information; consider changing passwords regularly.

5.  Bank Fees.  While opening an interest-earning savings or checking account is a great way for young people to start saving money, it is important that you choose a bank with terms that fit your lifestyle and behavior – and won’t end up costing you hundreds of dollars in unexpected fees.  If you use a big traditional bank, you will likely end up paying about $4.00 in fees every time you use an out-of-network ATM.  Understand all aspects of the account.

6.  Technology.  New web and mobile phone apps make saving even easier. Acorn is one app, which connects to your bank account and rounds up all your purchases to the nearest dollar, investing the remaining money. Another app, called Digit will analyze your account activity on a week-to-week basis and deducts small amounts of money here and there whenever the program’s algorithm determines you won’t miss it. That amount is saved in an FDIC-insured Digit account that earns a tiny bit of interest.

7.  Social Media.   Posts on social media are forever.  More and more recruiters check social media profiles of prospective hires.   Hiring managers list alcohol, guns, sex, drugs, and profanity as top turn-offs that would make them reconsider hiring you.  Remember a seemingly minor error can follow you around for many years and hurt your chances for a great job.

Financial independence takes time and practice. Be patient.
Happy Holidays To

All Our Valued

Clients
"An Evening with CLAY and her Guitarist"
 
To join us in San Francisco at the bottom of the hill on December 23rd... CLICK HERE!
 
To view her upcoming shows... CLICK HERE!
 
To listen to her her music... CLICK HERE!
 

WHAT IS SELF-IMAGE?

 

Self-image is created from projections of our own beliefs and the beliefs of others. Once we believe such projections, they become part of our identity, whether it is true or not.

 

Self-image is a collection of our own experiences - how we interpret what others say, how they treat us, and what we tell ourselves.

 

What goes into our self-image? The type of car we drive, the job we have, the clothes we wear, the relationships we choose, the lifestyle we lead…Our self-image is what we choose to present to the world.

 

Think about what you chose to wear today, how you fixed your hair, whether your shoes are polished or not. Everything we present to the world comes from that genuine belief we have of ourselves, whether it is an accurate one or an idealized image we believe the world expects of us.

 

A belief is anything we hold to be true, even if it is not!

 

Beliefs are the pattern of thoughts. Most of our beliefs are formed in childhood, when we learn from our surroundings of family, friends, and school. During that time, we look up to significant people such as parents, teachers, and other authority figures - we trust them, and therefore take what they say as the truth.

 

We make it our truth, but is this really our truth?

 

Over the years these beliefs get deeply rooted in us forming our attitudes and creating our life experiences. We often create these into core beliefs, things that we have a hard time changing. In order to assess our self-image, we may have to determine the truth of it.

 

What if you wanted to be a dancer, but were told all your life you would never make a good dancer? Many people would live their entire lives believing themselves to be a horrible dancer. But what would happen if they challenged themselves? Took a class to just explore the possibility that that belief in their self-image might be incorrect?

 

There are many people who became exactly what others told them they couldn’t because they challenged that long-held belief that others projected onto them.

 

When we become aware of our limiting beliefs, we have the power to change them, and in the long run, change our very lives! Is your self-image accurate? Or is it holding you back?

 

 

DECEMBER EVENTS

3 - Advent begins
7 - Chanukah lasts 8 days
7 - Pearl Harbor Day
12 - Poinsettia Day
21 - Winter Solstice (shortest day of the year)
23 - Festivus – for the rest of us!
25 - Christmas
26 - Boxing Day – date can vary
26 - Kwanzaa
27 - National Fruitcake Day
31 - New Year’s Eve

RECIPE OF THE MONTH

LASAGNA

Ingredients:

1-pound bulk Italian Sausage

Perfectly seasoned and crafted with care.

1 1/2 pounds lean ground beef

1 (8 ounce) package fresh mushrooms, coarsely chopped

1 teaspoon salt

1/2 teaspoon freshly ground black pepper

1/2 teaspoon dried Italian herb seasoning (optional)

1/4 teaspoon red pepper flakes

6 cups prepared marinara sauce

Ragu Robusto Parmesan & Romano Pasta Sauce 24 oz.

2 pounds whole-milk ricotta cheese

1 (8 ounce) container fresh mozzarella cheese, diced

2/3 cup freshly shredded Parmigiano-Reggiano cheese

1 teaspoon salt

1/4 teaspoon freshly ground black pepper

1 pinch cayenne pepper, or to taste

1/4 cup chopped fresh parsley

1 (16 ounce) package lasagna noodles

1 (8 ounce) container fresh mozzarella cheese, diced

1/2 cup freshly shredded Parmigiano-Reggiano cheese


Directions:

Place sausage and ground beef into a large saucepan over medium heat; cook and stir until meat is browned and crumbly, about 10 minutes. Break the meat apart as it cooks. Stir in mushrooms, 1 teaspoon salt, 1/2 teaspoon black pepper, Italian herb seasoning, and red pepper flakes. Turn heat to medium-high and cook until mushrooms have given off their juices and bottom of pan is almost dry.

   

Pour prepared marinara sauce into meat mixture. Pour water into marinara sauce jar and shake to get all the sauce out of the jar; add to mixture. Reduce heat to low and simmer until meat is extremely tender, about 2 hours. Add a little more water if sauce becomes too thick. Skim excess fat from surface of the sauce and season with more salt and black pepper, if needed. Turn off heat.

Preheat oven to 375 degrees F (190 degrees C).

 

Beat eggs in a large bowl and stir in ricotta cheese, 8 ounces diced mozzarella cheese, and 2/3 cup Parmigiano-Reggiano cheese. Season cheese mixture with 1 teaspoon salt, 1/4 teaspoon black pepper, and cayenne pepper; mix in parsley.

   

Bring a large pot of salted water to a boil. Cook lasagna in the boiling water, stirring occasionally, until cooked through but firm to the bite, about 8 minutes. Drain and rinse noodles and set aside in a bowl of cold water.

   

Spread 1/4 the sauce into the bottom of a 10x15-inch baking pan. Top with 1/3 the noodles and spread 1/2 the ricotta cheese mixture over noodles. Spread 1/4 the meat sauce over the cheese, top with 1/3 the noodles, and spread remaining 1/2 the ricotta mixture over the noodles. Spread 1/4 the meat sauce over the cheese filling. Tap the casserole dish lightly on a sturdy work surface to settle the layers. Arrange last 1/3 the noodles over sauce and spread remaining 1/4 the sauce over the noodles. Dot top of the casserole with 4 ounces diced fresh mozzarella cheese and sprinkle with 1/2 cup Parmigiano-Reggiano cheese.

Cover casserole with aluminum foil, being sure not to touch the top of the casserole with the foil. Place casserole onto a baking sheet to catch spills.

   

Bake in the preheated oven for 30 minutes. Remove foil and cook until lasagna is golden brown and bubbling, 30 to 35 more minutes. Let set for 20 minutes before cutting into squares.

Please feel free to share our Newsletter with your Friends, Family, and Co-Workers! We are always happy to take on new clients!

 Hair Play Salon
695 San Jose Ave @ 29th Street, SF 94110
(415) 863-0703

www.hairplay.com 


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