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Pour 1 tbsp extra virgin olive oil into a medium saucepan and place it on the stove over medium heat. Your oil is heated when it starts to shimmer slightly. If you are on a diet or you want a light sauce, you can remove the oil, and add onion and garlic powder. You can also use a skillet. Dice up 4 garlic cloves and drop them into the pan. Be careful, once the oil is hot, it may pop when you add the garlic. Cook over medium heat for 5 minutes. Stir occasionally to keep the garlic from sticking. Adding the garlic early gives it a chance to brown up a bit, helping it release flavor. Garlic is a very strong herb packed with anti-oxidants that are great for the heart. Unfortunately, the sulphuric compounds that give garlic their health benefits and taste can also cause garlic breath. If you are sensitive to garlic, use just 1 clove of garlic, or a few dashes of garlic salt instead. Use your own personal preferences for this step. You can chop up 2 fresh tomatoes or use 2 canned tomatoes. Follow with 1 can of tomato sauce, or use homemade tomato sauce. You can also remove the tomatoes and use only tomato sauce. If you are using chopped up whole tomatoes, you may want to blend them first to get a smoother consistency for your sauce. Add 1/8 tsp cayenne powder, 2 tsp oregano and 2 tsp cumin. Cook for another 5 minutes. Cayenne powder is very spicy so be careful how much you add. If you are sensitive to spices, just use a pinch. If you are interested in a spicier sauce, you can use 2/8 tsp and a dash of black pepper. Use either 3/4 cup water or vegetable broth, not both. Using vegetable broth will give your sauce more flavor, but many store bought broths have preservatives and additives so you may be better off making your own vegetable broth. Making it yourself will take a little extra time, but will enhance the flavor of your sauce. Cook your sauce for 15 minutes, stirring occasionally. If you want to get creative with flavors, you can use a separate spoon to taste your sauce after it has had some time to cook and take the opportunity to add a little more oregano, cumin, or any other spice you desire. After 15 minutes, pour your finished sauce over a dish of freshly assembled enchiladas, or store your sauce in an airtight container to save for later.

summary: Heat your oil. Drop in the chopped garlic. Add the tomatoes. Sprinkle in the spices. Pour in the water or vegetable broth. Bring your sauce to a simmer. Remove your sauce from heat.

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It's the most obvious tip but it's a key factor. Try to brush your hair; in the morning and before you go to sleep. Consider getting a special shampoo that suits your hair type, such as a shampoo for color treated hair or one for dry hair. very few days. Don't wash too often or you'll strip your hair of its natural oils that help it to stay great. Focus the shampoo on your scalp and conditioner on your hair ends.

summary: Brush your hair daily. Get a good shampoo and conditioner. every few days.

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You should also note the importance of saving for a "rainy day fund". Remind the person that they may develop a serious health issue or have to pay unexpected expenses like car repair. They may then need to stop working for a period of time due to the health issue. Having a "rainy day fund" will ensure they are able to pay their bills even when they cannot work or can be used to cover unexpected costs. For example, you may say, "You should have some money put aside for emergencies. This will make life less stressful for you and ensure you have financial support when you need it." Having a "rainy day fund" where you save money in the event of an emergency can also come in handy if you have a family issue or problem that you need to address in the future. If a family member becomes gravely ill, for example, and you would like to spend time with them, having money set aside will ensure you can take time off work to do this. A "rainy day fund" will also come in handy if you need to pay for an expensive medical procedure or operation due to an accident that is not covered by your insurance company. You should remind the person that having some money to fall back on can allow them to be independent and self-sufficient, even in the event of an emergency. You should discuss one of the major benefits of saving money now, while you are still working and able to work: saving for retirement. You should explain that saving money now means you can start a retirement fund and be prepared to enjoy your free time once you reach the age of retirement. Saving for retirement from a young age allows you to take advantage of the benefits of compound interest on your savings and/or investments. Compound interest allows your investments to increase at an increasing rate over time, as interest is earned on both the original amount and the interest earned to that point. For example, if you deposit $300 per month into an account earning an average of 8 percent per year for 40 years, you will have contributed $144,000 but the account balance will be over $1,000,000. Some jobs will offer a retirement savings plan as part of their benefits for employees, which means employees can put a portion of their paycheck towards a 401K or a retirement pension fund. You should ask the person to consider contributing to their company's retirement plan, if possible, to save money later. Some employers may even match contributions to retirement plans, essentially offering the employee free retirement money. Retirement plan contributions to some accounts, including traditional IRAs and 401(k)s, may be tax-deductible. Saving money can also help the person achieve their career goals and invest in their future. Saved money can then be used for major purchases like a car or home. It can also be used to achieve financial independence, which gives them the freedom to live without relying on others for income. Saving is especially important if the person does not enjoy their current job and has future career plans. They may need to pay to go back to school or to get training in a certain field. Having savings will ensure they are able to do this to better themselves and achieve their career goals. You may get the person thinking about how money can affect their career goals by asking them, "Are you happy at your current job?" or "Do you have plans to work in another job or field in the future?" If they tell you they may want a career change at some point, you should remind them this will cost money to achieve.
summary: Discuss the importance of an emergency fund. Outline the benefits of saving for retirement. Note how saving money expands your options.