Red assets.rebelmouse.io |
I have to
laugh because I’ve had to overcome my mental roadblocks (and natural tendency
to freak out) when it comes to personal
finance and technology,
so I can’t imagine combining the two concepts. However, I know it’s the terminology (and my resistance to change) that creates a lot of my problems. When it comes to financial apps, I don’t know much about them because I don’t use them. I’m old-fashioned and still use Microsoft Money (which I don’t even think is made anymore) to print my checks and a calculator, paper, and pens (Black’s probably rolling her eyes that I don’t at least use pencils and erasers) to do everything else. My daughters (ages 19 and 23) use Excel spreadsheets for their budgets, which I find interesting as although they’ve grown up with smartphones, neither one uses financial apps. |
Black assets.rebelmouse.io |
Similar to list-making, where I explained to Red that it does
not matter whether you use pencils
or a computer (or, in this case, an app), it is the thought process, not
the method, that is critical. The fact
you are interested in managing
your finances is an important first step, and if you WANT an app because
you think it will provide better motivation and give you more insight, great,
but you do not NEED it. Remember, only
you can decide whether to make an expenditure, and the difference between a “need”
and a “want” (although an app may prompt that question) as they are different
for everyone. (FYI, I do not use an app
as I refuse to give anyone online access to my financial accounts.)
Different apps have different features and functionality (such as tracking where your money is going, budgeting, paying bills, paying off debt, investments, etc.). And, they come with different price tags (apps from banks are typically free, but if you change banks, your financial history probably will not transfer), which are usually quoted on a monthly basis with the intent of making it look cheaper, but you need to consider the annual cost. If you are not sure exactly what you want, maybe start with a free version to “test drive” it and then decide if you want to upgrade (or do it without an app.) |
FULL QUESTION: It’s hotter than ever …do you have any tips for looking “nice” during the heat of the summer?
Summers are hotter than ever, but it’s always been a challenge to look put together (forget polished) in August. Especially in the Houston area, so here's an “Ask Red & Black” summer rerun … because some things never go out of style …
I'm laughing because I suspect Black would argue that I
rarely look "nice" in the sense that I rarely "dress up". Even before the pandemic, unless I had a Red
& Black business meeting or speaking engagement, my normal "look" was that
of super comfy – workout or very casual clothing and minimal makeup. Here in Texas, where the heat and humidity are
oppressive, I'm always looking for tips because the moment you step outside,
you're going to start sweating, your
makeup will drip, and your hair will either frizz or wilt (neither's
a good look for me). So, I keep my
skincare simple and summer-friendly – extremely lightweight, tinted facial
moisturizer with a high SPF (so I only need a single product) and waterproof
mascara.
I've never been very creative when managing my long hair for the summer, but my daughter let me in on a secret when she straightened my hair for me. Unlike my rushed approach, she took an extra 10 minutes to do it in smaller sections, which looked great when my hair was down but, amazingly, even made my ponytail look "finished". Taking a little more time to do it right makes a huge difference as now my hair stands up to the heat and humidity. (Good news is she's always willing to do it for me, bad news is that she goes to college in a few months, so I'll have to learn how to do it myself.) | |
When I started racing cars in the mid-1990s, I cut my hair very
short so I could easily style it with some water and hair goo when I removed my
helmet, which makes it perfect for summer. (Plus, I calculated that I could
save over 10 hours/month, or five full days a year, by not dealing with my
hair.)
In terms of clothing, it is a function of where you are going or where you work (obviously, if you are in the banking industry, you will dress very differently than someone who works for a design or marketing firm). For the last few decades, I have worn the same "uniform" – dark slacks or jeans, white shirt, blazer, and colorful Hermès shawl. In the summer, I select pieces that are light-colored, loose-fitting, and breathable fabrics, but if I had to give one tip, it would be to wear layers since going in and out of air-conditioning can be a challenge, although I see it as a fashion opportunity. In fact, that is how my "signature" shawls started as, regardless of the season, I would always have one with me to handle changes in temperature. |
Is it ok to ask ... When did you first learn about Black History Month?
It’s 2024 … you wouldn’t think there’d be so much controversy over Black history, which makes Black History Month even more important. We loved it when the question below was asked of us two years ago, so we’re rerunning it, but found a new article about little-known facts about Black History Month we found very interesting. Let us know what you think …
Red assets.rebelmouse.io |
I’m a little embarrassed to admit that it was only a few
years ago that I learned about February being
Black History Month, and that it was founded to
shine a light on
accomplishments
that might otherwise go unnoticed and unappreciated. I’ve always loved history and wish that I had
been taught more of this in school as I strongly believe that if we all were
exposed to people from different races, ethnicities, religions (comparative
religions was one of my favorite college classes), it would go a long to
helping us appreciate those differences.
Besides history, I love movies, so I love when the combination teaches us something unexpected. For example, one of my favorite movies, Hidden Figures, tells the stories of three amazing Black women who were mathematicians working at NASA in the 1960s who truly broke boundaries, defied expectations, and gave us a window into their lives. |
Black assets.rebelmouse.io |
I like to consider myself a lifelong learner and love to
research things that pique my interest or intrigue me, so I was fascinated by
the
history of Black History
Month
, and its evolution from Negro History Week. The initial week was chosen because it included the birthdays of both
Abraham Lincoln
(February 12) and the abolitionist Frederick Douglass (February 14), men who were already celebrated by the Black community, and
who encouraged all Americans to study the little-known history of Blacks.
As an interesting sidenote, Douglass was also a lifelong supporter of women’s rights and died just hours after attending a meeting with suffragists (including his friend Susan B. Anthony). |
Do you have any tips for looking “nice” ... going into fall since it's still hot?
FULL QUESTION: Do you have any tips for looking “nice” during the heat of the summer? And for going into fall since it’s still hot?
Well, technically, July may be the hottest month (and this year it was record-setting hot), but given August is still “too darn hot” (we love the musical number), and it will probably run into September, we thought we’d rerun this “Ask Red & Black” …
I'm laughing because I suspect Black would argue that I
rarely look "nice" in the sense that I rarely "dress up". Even before the pandemic, unless I had a Red
& Black business meeting or speaking engagement, my normal "look" was that
of super comfy – workout or very casual clothing and minimal makeup. Here in Texas, where the heat and humidity are
oppressive, I'm always looking for tips because the moment you step outside,
you're going to start sweating, your
makeup will drip, and your hair will either frizz or wilt (neither's
a good look for me). So, I keep my
skincare simple and summer-friendly – extremely lightweight, tinted facial
moisturizer with a high SPF (so I only need a single product) and waterproof
mascara.
I've never been very creative when managing my long hair for the summer, but my daughter let me in on a secret when she straightened my hair for me. Unlike my rushed approach, she took an extra 10 minutes to do it in smaller sections, which looked great when my hair was down but, amazingly, even made my ponytail look "finished". Taking a little more time to do it right makes a huge difference as now my hair stands up to the heat and humidity. (Good news is she's always willing to do it for me, bad news is that she goes to college in a few months, so I'll have to learn how to do it myself.) | |
When I started racing cars in the mid-1990s, I cut my hair very
short so I could easily style it with some water and hair goo when I removed my
helmet, which makes it perfect for summer. (Plus, I calculated that I could
save over 10 hours/month, or five full days a year, by not dealing with my
hair.)
In terms of clothing, it is a function of where you are going or where you work (obviously, if you are in the banking industry, you will dress very differently than someone who works for a design or marketing firm). For the last few decades, I have worn the same "uniform" – dark slacks or jeans, white shirt, blazer, and colorful Hermès shawl. In the summer, I select pieces that are light-colored, loose-fitting, and breathable fabrics, but if I had to give one tip, it would be to wear layers since going in and out of air-conditioning can be a challenge, although I see it as a fashion opportunity. In fact, that is how my "signature" shawls started as, regardless of the season, I would always have one with me to handle changes in temperature. |