Sterling Silver In Fine Jewelry

Photo: Voogme 925 Silver and Moissanite

Frankly, this jewelry lover is happy she bought a few pieces of fine jewelry years before our pandemic hit since the price of gold and jewelry has increased like other consumer goods after our COVID crisis. Plus jewelry, which should not be considered an investment, has always had a hefty profit margin above the wholesale value of the pieces. Jewelry is as much of a luxury buy as designer clothes, shoes, and handbags, which are also marked up to whatever customers are willing to pay.

Photo: Shop LC

That said, there's a limit to what ordinary people can spend to own luxury goods including jewelry. Sadly considering today's elevated costs, I recommend bypassing 18k or 14k gold and diamonds. Retailers are charging astronomical prices without giving us enough value in return. Frequently their jewelry is flimsy with a sky-high price tag attached. Fuhgeddaboudit!

I also suggest skipping overpriced costume jewelry. It has depreciation or zero value.

Pure silver unmixed with other metals

Instead, turn to 925 sterling silver fine jewelry. Don't overpay or overconsume, yet buy a capsule of pieces you love and will wear over and over again with all your outfits from blue jeans to a little black dress. Unlike purses or shoes at least with fine jewelry, you don't end up with depreciation value simply by wearing it! 

Sterling 925 Silver is the jewelry quality standard in most of the world. It is an alloy of 92.5% silver and 7.5% another metal, usually copper, sometimes nickel. (Pure gold or) pure silver is too soft to be worn as jewelry. The alloy (whether gold) or silver + other added metals increases the hardness of a necklace, bracelet, or ring giving them strength so they won't blend or dent as easily by wearing them.

Like pure gold, pure silver is a precious metal listed as an element on the Periodic Table. With sterling silver, you are buying fine jewelry! But be aware that sterling silver is softer than gold, so more durable for earrings, necklaces, or signature rings than for everyday rings you might mindlessly bang around as you go about your usual activities. However, if you take care of sterling silver jewelry, it will last a lifetime and for generations.

The current price of 925 sterling silver is $31.24 t.oz. A gram is the smallest unit to measure silver. 925 silver value is between $0.69 and $0.80 per gram.

Usually, there is a quality mark -- 925 -- on pieces of sterling silver. Sterling silver jewelry is required to carry this stamp if there is surface area to put it. The marking can be seen with a magnifier. Sterling silver jewelry is sometimes dipped in rose or yellow gold or another metal to offer yellow-or-rose gold-like jewelry.

Photo: Italo Jewelry

Sterling silver jewelry that isn't worn frequently will tarnish yet is easily and safely cleaned with retail tarnish remover and a silver cleaning cloth. A tissue can scratch the silver.

Leslie Villarreal

Non-tarnish silver alloys also exist on the market. Argentiun Silver is one such brand that sells silver jewelry that doesn't tarnish. The non-tarnish alloys in jewelry are 92.5% silver (or higher), copper, and the addition of the element germanium. Germanium makes the alloy harder and resistant to tarnish. Under extreme conditions, it still tarnishes but requires less maintenance than sterling. The non-tarnishing alloy is also significantly more expensive than sterling silver.

Without a good deal, I'd stick with 925 sterling silver for its more affordable price. If too costly, you might as well save up for gold. It's a trade-off really ... with today's jewelry prices, we're having to spend too much. Yet, life is a series of tradeoffs, and it's a shame splurging on gold jewelry has gotten so stupidly expensive!😠

Photo: Macy's Sterling Silver Set. Mystic Topez

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What Are Brisling Sardines?

Summer Eats continued: What are brisling sardines? They are an impulse buy on a trip to the health food store a while ago. Ten cans, I must have been out of my mind that day! I know they are packed with protein and omega 3, 6, and 9 oils. They have a mild flavor and, in fact, are less fishy tasting than tuna. So why do I and others have such an aversion to eating them?

Just to get them down my throat I've been mixing a can of brisling sardines with a can of solid white tuna to make a salad. It's the easiest way of not having to look at them. Nutritionally, it's an excellent idea. Here's why ...

Brisling sardines are caught in the clear, clean, cool waters of Northern Europe. Europeans call the tiny silver fish sprats. They are under 4" long, half the size of other sardines. They have a mild taste and a tender delicate texture with no notable scales. Often packed in extra virgin olive oil, foodies claim they have a buttery texture.

Brislings are not only delicious but they’re also packed with a ton of nutrients including the omega-3 fatty acids, I mentioned. A serving also has 17% of our recommended calcium requirement and a whopping 17 grams of protein. These nutrients are best derived from natural sources rather than supplements. As a small fish, you need not worry about consuming mercury. Tuna has a moderate amount of mercury because it's a bigger fish, but sardines are one of the healthiest fish to eat!

Due to its mercury content, you should eat tuna not more than twice a week, but if mixed with sardines, you're cutting the mercury contained in tuna by half.

Frankly, I've never had a problem with the taste of sardines, it's the idea of eating sardines. So I disguise them as a tuna-sardines salad on 2 slices of multigrain toast. I'll post the ingredients for the salad below, plus you can make the salad into a grilled melt if you wish:

Tuna Sardines Melt

Ingredients:

1 can of brisling sardines in extra virgin olive oil

1 can of solid white tuna (I buy tuna in water.)

1/4 of an onion, finely chopped

1 stalk celery (I use the leaves too), finely chopped

2 baby carrots, finely chopped

2 - 3 tablespoons of mayonnaise

1 tablespoon of Dijon mustard

Salt, pepper, garlic, parsley to taste

Optional: Add 2 hard boiled eggs to make a creamier salad.

Directions:

1) Mix the ingredients thoroughly.

2) To make a sandwich toast 2 slices of bread.

3) If making a melt, spread a little of the mayonnaise on one slice of bread. Layer with some of the tuna-sardines salad, and top with cheese. Lay a 2nd slice of bread on your baking sheet if you desire a topper.

4) Broil in the oven at 450 degrees F to melt the cheese. Remove from the oven. If you wish you top it with your 2nd slice of toast.

Since I eat tuna, salmon, catfish, cod, and sushi without flinching, I can't explain why I, as well as, many others have an issue with eating sardines, a tiny fish, as opposed to a big one! It makes no sense. Do you know?

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Box Shorts Are Tendy This Summer

Photo: Shein

Boxer shorts are trendy this summer, and they're super stylish! Comfortable and flattering for many body types. Certainly, they look more like shorts than underwear. Their vibe reminds me of culottes, which is a cross between shorts and a skirt, some call culottes a split skirt.

Photo: J Crew

Tight shorts are seldom complimentary and neither are bloomers. Boxer shorts show just the right amount of skin, and the flair-out of the legs is not only fashionable but also cool in boiling temperatures.

The boxer shorts' band flatters the waist, and they look preppy paired with a sweater. I love the buttons on the image above on the left, but this detail will date the shorts by making them look the most like their underwear inspiration.

Like other apparel, you can find boxer shorts at different price points, fabrics, colors, and patterns. Go inexpensive to get in on the fad. Cotton is popular! So are vertical stripes. Yet, I'd avoid box-short sets. Generally, short sets are popular for children (I wore them up until age 12). For adults, it's too matchy-matchy.

Photos: J Crew (left) and Amazon (right)

Crisp, clean, and shapely, this summer trend looks classic and has the potential to last beyond 2024. 

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High Protein Granola Bars -- To Bake Or Not To Bake

Granola bar images istock

Since my senior mom has become a picky eater I spend more money on protein drinks and bars than I do on meat. One of my rules is she must eat real food -- unprocessed meat, carbohydrates, and either fruit or vegetables for dinner. At times, it's a struggle. So I buy 30-gram protein drinks and strive for 20-gram protein bars that are low in sugar. They are more costly than real food and not as tasty, but what am I to do?

I found 2 recipes for High Protein Granola Bars. Both are 20 grams of protein per bar, count as real food, and are easy to make. Since the recipes are on multiple websites without credit, I have no idea who created them. 

Nearly the same, the 1st recipe requires 5 ingredients and no baking. Add eggs and bake recipe #2:

I. No Bake 5 Ingredient High Protein Granola Bars

Ingredients

3 cups rolled oats

1 cup vanilla protein powder

1 cup peanut butter

1/2 cup honey

1/2 cup chocolate chips

Directions

1) In a large mixing bowl combine the dry ingredients, oats, and protein powder.

2) In a 2nd mixing bowl, microwave the peanut butter and honey for a few seconds to soften them.

3) Combine the wet with the dry ingredients. You can add a few spoons of water to the mixture if it's too dry.

4) Press the mixture into an 8" by 8" pan lined with parchment paper.

5) Evenly distribute the chocolate chips and press them into the batter.

6) Refrigerate until the bars are firm before cutting with a knife dipped in water (to avoid sticking) into 16 bars.

🍪🥚🍫🍪🥚🍫🍪🥚🍫🍪🥚🍫🍪🥚🍫🍪🥚🍫🍪🥚🍫🍪🥚🍫🍪🥚🍫🍪

II. Baked 6 Ingredient High Protein Granola Bars

Ingredients

3 cups rolled oats

1 cup vanilla protein powder

1 cup peanut butter

1/2 cup honey

2 eggs

1/2 cup chocolate chips

Directions

1) Mix the dry ingredients, oats and protein powder.

2) Mix in the eggs.

3) Microwave the peanut butter and honey for a few seconds to soften them and combine them into the mixture.

4) Pour into an 8" by 8" pan sprayed with cooking spray and lined with parchment paper.

5) Distribute and press the chocolate chips into the dough.

6) Bake in a preheated 350-degree F oven for 10 - 15 minutes. Check and remove when the outside edges start to turn slightly brown.

7) Cool, and cut while still warm into 16 bars.

To bake or not to bake, that is the question. My answer: First try the unbaked granola bars and if you like them go no further. If curious, make the baked granola bar recipe and decide which texture you prefer. Also if you want add-ins like whole almonds, or sunflower seeds, or white chocolate chips, or coconut flakes, or raisins it's up to you. Feel free to dip your baked granola bars into melted dark chocolate with baker's wax if you desire. 

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Walmart's Cheap Thrill Dresses

I no longer buy high-end summer dresses. The pricey ones hang in my closet while I grab a swing dress from (1) Lands' End, (2) Uniqlo, or (3) Old Navy to go to the theater, ballet, or a restaurant. I call them my Cheap Thrill Dresses. No dry cleaning is needed!

A Cheap Thrill Dress is a dress that's cute, cozy, decent quality, and won't break the bank. Paired with ballet flats and some bling, the garment looks polished and suitable for a night out on the town. You can wear a Cheap Thrill Dress without fuss. If you sit on a park bench; in the open air on the fountain at Lincoln Center; or decide to ride the subway, you won't have to fret about ruining your dress. Cheap thrill dresses can be machine-washed and dried all summer long!

Let me introduce you to a 4th retailer carrying Cheap Thrill Dresses worth considering. Walmart has a reasonably good brand, PPYOUNG, which is getting tons of 5-star reviews from happy customers. The dresses feel as comfortable as wearing T-shirts, yet are much more stylish.

The knit fabric of 95% rayon with 5% spandex is a winning combination for a hot steamy summer to keep you cool and wrinkle-free. The adorable swing style is universally flattering on nearly every body type.

What a versatile dress ... going from a night out on the town, to a Saturday running errands frock, or an all-day beach coverup, to an easy-to-pack in-a-suitcase vacation dress.

If ordering clothing from Walmart (or Target known to collaborate with upscale designers), I recommend reading all the reviews. Customers usually mention when a dress runs large, true-to-size, or small, plus check the manufacturers' size chart. 

The PPYOUNG dresses from Walmart come in several styles, colors, and patterns, and the price points are a steal making owning a few a no-brainer! 

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Summer Eats

Fresh summer tomatoes are the best! Photo: HuffPost 

I post more recipes in summer on THE SAVVY SHOPPER than at other times of the year. Why? I have more time to cook and play. In summer, real food -- not junk food -- that doesn't take hours to prepare or cook also catches my eye. I slap it up here if I wish to share or find it again myself.

Fresh food I don't have to cook is one of the many things I love about summer. Last night I cut up an avocado, tomato, and onion, tossed them into a bowl, and seasoned them with cider vinegar (a friend gave me cider vinegar with a "mother" in it), salt, pepper, garlic and parsley. Mmm!

If you mash the ingredients, you'll have guacamole, more traditionally made with lime, but I prefer good vinegar.

In summer I love a late-night dinner of red wine and extra-sharp cheddar cheese on grainy rye bread. It's umami tasty! I could eat it as a supper 7 days a week, but I don't let myself! Only one day a week is my rule. I add cruditès of raw vegetables and fruit to balance out the meal. Another summer love is it stays daylight until 9 PM!

When you don't cook a meal what is your favorite at-home summer dinner? If reading this blog, you're looking at mine.

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Doan's White Chocolate Coconut Cake Is A Favorite of Tom Cruise

All photos courtesy of Spectrum 1 News

Doan's Bakery in Westland Hills, Los Angeles, CA, has been family-operated since 1983. Its White Chocolate Coconut Cake became famous after actor Tom Cruise began sending it to his celebrity friends each year for Christmas. It's a $50 cake that costs $130 to ship overnight via Goldbelly nationwide. Mentions on Jimmy Kimmel's and Jimmy Fellon's late-night shows put the cake and bakery on the map. Bakery co-owner, Karen Doan [who partners with her son, Eric and his wife, Carrie] says the secret to the cake's success is to add more, not less of the finest ingredients. This means more coconut and white chocolate. Below is a copycat recipe with the hands of creator Karen Doan in the images making the original cake:

White Chocolate Coconut Cake

Ingredients for the cake batter

1 cup softened butter

1 1/2 cup granulated sugar

4 large eggs

1/2 cup canned coconut milk

½ cup buttermilk

1 tablespoon coconut extract

5 ounces white chocolate, melted

3 cups all-purpose flour

2 teaspoons baking powder
1/2 teaspoon salt

Directions for the batter:

1) Beat together the butter and sugar.

2) Next mix in the eggs one at a time.

3) Mix in the coconut milk, buttermilk, coconut extract, and melted white chocolate.

4) In a separate mixing bowl combine the dry ingredients: flour, baking soda, and salt.

5) Fold in the dry ingredients, 1/4 at a time, into the wet ingredients. Mix just until incorporated. 

6) Pour into a large buttered bundt pan [or 2 buttered 9" cake pans if you wish].

7) Bake in a preheated 350 degrees F oven for 45 - 55 minutes or until the center of the cake produces a crumb when tested with a toothpick.

8) Cool for about 15 minutes before removing from the pan(s) while still warm. If you make the bundt cake, you'll flip it over. The bottom becomes the top.

Ingredients for the Frosting:

1/2 cup butter, softened
4 ounces cream cheese, softened
3 cups of powdered sugar, more if needed
1 tablespoon coconut extract

14 ounces of flaked coconut (toasted if you wish to toast it) for the top and sides of the cake.

Directions for the Frosting:

1) Beat the butter, cream cheese, and powdered sugar together until fluffy. Add the coconut extract and incorporate.

2) Spread it on the cake. Professional bakers put the cake in the refrigerator, then frost it a 2nd time.

3) Finish with the shredded coconut -- padding it on the sides and top of the cake.

Will you make a bundt or 2-layer cake?🎂

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Are Almond Skins Bad For Us?

Photo: iStock

Almonds are a nutritional powerhouse. There are two varieties: editable sweet and noneditable bitter almonds. 

Sweet almonds are the variety we buy to eat.

Noneditable bitter almonds contain a toxin, called glycoside amygdalin that when eaten, gets broken down into hydrogen cyanide, a toxic compound that can cause accidental death in adults who consume 10 to 12 of them.

Photo: iStock

Editable sweet almonds are sold in supermarkets and specialty food shops. They are high in fiber and antioxidants like flavonoids and vitamin E, protecting us against free radicals that cause chronic disease and premature aging. Vitamin E reduces inflammation, boosts immunity;and helps widen blood vessels to improve blood flow. Almonds are a natural fighter against obesity, hypertension, heart disease, diabetes, gut health, and Alzheimer's.

Compared to other nuts, sweet "almonds are one of the healthiest nuts to eat. They are higher in fiber, protein, monounsaturated and polyunsaturated fats, magnesium, calcium, iron, folate acid, and other nutrients." Many of their nutrients like vitamin E are contained in their skin. Almond skins are not only good to eat, but they also provide additional antioxidants and fiber.

Some people like to soak their almonds in water for up to 8 hours. According to certain health nuts, it makes the almonds more digestible, enhances nutrient absorption, and adds prebiotic properties to promote a healthier gut microbiome. Whether soaking provides benefits is undetermined. Health nuts are not necessarily wrong, it just means there have not been scientific studies to back their claims. This could be because nobody has put up money to conduct the research, or the studies conducted can't establish cause-and-effect conclusions.

Dry almonds right out of the bag are a healthy snack too. Removing the skin of almonds is a taste or texture preference. Skinless almonds have fewer nutrients than almonds with skins. When people worry that the skins of almonds are poisonous, they confuse sweet with bitter almonds. Almonds sold in first-world countries are sweet almonds. They are wholesome, and 100% of an almond is safe to eat.

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The Value Of A College Education

Photo: CUNY

I like Bill Maher but it always irritates me when a man who has the benefit of a college education devalues the importance of a college education.😳 He's not the only university-degreed public figure to do so. Mike Rowe, a TV personality who seems to lean conservative with a libertarian streak on his podcasts, goes as far as to fund a charity to steer young people towards training in blue-collar professions. He has said, a higher education is more worthless today than yesterday.

Mike Rowe (right) and Bill Maher (left)

IMHO, it couldn't be further from the truth. If you have the intellect and means, you cannot spend 4 years of your life in a more transforming way. Education changes you as a person. Once your mind has been stretched by new ideas and other cultures and learns critical thinking, it never returns to its original dimension. 

Do you know who'll believe these skeptics? Sadly (1) Parents without a college education who are anxious about the costs of sending their children to college. (2) Libertarian and right-wing politicians sitting in Congress who want to cut taxes to zero for multi-millionaires and billion-dollar corporations by defunding public education. (3) Young inexperienced people without guidance or encouragement or foresight.

A free public education was fundamental to our Founding Fathers at a time when only the well-to-do could afford an education. Education has long been valued in democratic countries as a bedrock for a strong democracy. Do we want an ignorant or an educated electorate? Because the zeitgeist seems to be turning.

Often a university degree is the one sure way out of poverty for a person who is born poor with no connections and few opportunities. If a person has the desire, brains, and work ethic to become a doctor, dentist, or accountant, it's in the country's interest to help them pay for their education. Society benefits when its members have access to higher learning. Getting it should not be determined by whether you are rich or poor. If someone from a lower-income family has the aptitude to be a scientist, educator, or engineer, it's in society's interest to use tax dollars to help educate a future scientist, educator, or engineer.

The middle and working classes pay the bulk of taxes in the USA. We can well afford to use some of it for Pell Grants and low-interest government loans to help defray the cost of tuition for the working and middle classes. 

We have a long history of striving to do better than our parents. These were the dreams of generations of immigrants. How do we benefit now by abandoning our aspirations to do so? Rather than thumbing down efforts to raise society's collective intelligence, let's continue to lift it up!

On average college graduates earn more money than high school graduates. A college education opens doors to higher-paying jobs you can't get without a university degree. After graduation, the country acquires a higher-earner taxpayer.

But aside from earning more money, the critical thinking you master in college helps you do nearly everything else in your life better. Moreover, how are you going to spend your paycheck if your vision is limited because you haven't learned about other countries and cultures? Or worthy subjects such as art, geography, history, economics, finance, etc., etc.🌍🌎🌏

In society, there are examples of people who are smart, or successful, or self-motivators without higher learning. Granted there are degree-less people who read books and are self-taught, yes, but it's a harder path to tread without structure, direction, and guidance which is what a university offers. More people are not self-motivators than those who are. It takes effort, dedication, and internships to acquire a level of expertise in a given field. Most accredited universities also require coursework outside of a major with the goal of turning a student into a well-rounded person. College is much more than just a pathway to a job.

I'll finish where I started. I like Bill Maher ... but would Bill Maher be Bill Maher if he had skipped college? His post-high school education is an important component that makes him the satirist he is. A show like Real Time with Bill Maher would be a different show, no? I would bet real money that Real Time is written and produced by people who went to college. I know of at least one staff member who did. The man at the top, Bill Maher!📚

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