วันอาทิตย์ที่ 28 กุมภาพันธ์ พ.ศ. 2553

Cooking Tips for College Kids: Ramen Surprise

Okay, so you're 18 and on your own. You just moved out of your parents' house, left state and are in a new city with new people and a new college where you have no idea how to clean yourself, clothe yourself, or more importantly feed yourself. I was there, and I spent two plus years trying to figure out how to pull it off before I fell into a decent routine that kept me breathing day in and day out.

But, let's not forget the most important pieces. You're poor, you're probably living with a bunch of other people and you have no idea how to cook a damn anything. When your parents were preparing dinner you were entrenched in a pile of dirty clothes watching music videos or playing grand theft auto. Do you even own a pot?

Not a problem. There are a few basic things that anyone can put together with the willingness to spend a few minutes preparing and actually mixing ingredients together.

Your first recipe: Ramen Surprise
When you think of Ramen noodles, you think dry, full of salt and often too hot and soupy. They're good but, they give you heartburn and cause dehydration. Well, these little noodly saviors are more than just a 120% of your daily allotment of sodium. They're cheap as hell and extremely filling. But, you don't have to eat them as is.

Head to the cheapest, biggest grocery store you can find and pick up ten of the little guys for a dollar, or if you're really lucky they'll be on sale for 20/$1. That's five cents a piece for a full meals worth of noodles.
First off get rid of the seasoning packet. That's where your salt comes from, and you can do better without it. Trust me. Whenever you open a packet, chuck that thing in the trash. Now, you have a brick of hard egg noodle goodness. And with this lovely building block, you can go ahead and start your meal.

First, boil it up and get those noodles ready to eat. Now, in another pan (or a bowl in a microwave if you're in a dorm and sans cooking materials) sauté up some vegetables (gasp, vegetables?...yes) with butter or olive oil. Olive oil is expensive as hell, so you might want to stick with the butter, but don't get carried away. Basically you throw butter in a pan with some broccoli and carrots, or whatever other easy, bagged vegetables you can find and turn it to medium, medium high and cook them until they're soft. Takes 5 minutes at the most.

Now, take your noodles, and throw in your vegetables....that's it.

Don't complain about the meat being gone, because you're not getting meat in those nasty seasoning packets either. Of course, if you're feeling especially energetic, toss a few pieces of chicken in there. Chicken's more or less the cheapest meat you're going to find, so it's the way to go with almost every meal.

The total cost of the meal: Ramen - 10 cents; Vegetables - $1; butter - 50 cents; chicken - $1

Vegetarian = $1.60

Meat = $2.60

It's a wee bit cheaper than the usual junk from McDonald's, and not quite as pain inducing as straight up ramen. Next up: spicing up Macaroni and Cheese.

วันเสาร์ที่ 27 กุมภาพันธ์ พ.ศ. 2553

How to Eat Pasta and Spaghetti the Right Way

Did you know that there is a specific way to eat pasta and spaghetti? Most non Italians don't have a clue how to eat the Italian national dish correctly, most will either eat with a spoon and fork or just cut it up with a knife and fork into small pieces and eat away.

Of course you are free to do what you like in this world and it's not a criminal offense to eat pasta in any way you please, you can pick the plate up and slurp it without any eating utensils whatsoever - you may get some funny looks though! The classic way that non- believers eat spaghetti or tagliatelle is to wind the long ribbons around a fork but use a spoon to wind IN. This is not right and if you were to ever go to a posh Italians house and do this you would be frowned upon. So what is the right way to do it. Well all you need is a fork. Most pasta dishes are served in bowls in Italy and so all you do is push the food away from you exposing a small part of the bowl and just capture a few strands with one of the prongs of your fork. Now just wind the fork (in a clockwise direction if you really want to do it properly) to capture the noodles and wrap them around your eating iron into a nice neat, scoff able ball. The noodles are designed to be just the right length - 10" so that when you use this technique it works perfectly. Try it next time you eat pasta and bask in the glow that you are now a substantially more cultured individual.

วันศุกร์ที่ 26 กุมภาพันธ์ พ.ศ. 2553

Homemade Baked Beans Recipe

If you're looking for a good "homemade baked beans recipe" recipe - this is the place! Everyone loves some good baked beans, but most recipes call for them to be in a crockpot. Mine doesn't, instead I use can beans and cook them on the stove top. It's true, you could just buy a fancy can of Bush's baked beans, but it's just not the same as making your own homemade baked beans and letting them simmer of the stove as the flavors meld together! These are equally as good in the summer with a BBQ as they are in the winter on a cold blistery day!


3 cans great northern or navy beans, or 1 - 48oz jar or Randall's mixed beans (drained)
1 small onion (diced)
2 cloves garlic (diced)
1 cup barbeque sauce
1/2 cup ketchup
1 Tablespoon mustard
1/4 cup brown sugar
3-4 strips of chopped cooked bacon (if you like)

Drain each can of beans and pour into a sauce pan. Add all other ingredients and cook on medium high heat until it boils, then cover and reduce to low heat and simmer for one hour. If you're in a real hurry, you can cook on high for 10 minutes and serve (it just won't taste as good!).

In the winter time you can cook this on the stove and let it simmer while making the main dish, but in the summer I like to just put the pot on the grill and let the beans simmer while I grill my meat. By the time the meat is done, the beans are usually done shortly after. There are all kinds of beans you can experiment with on this recipe as well, I usually end up using what I have on hand at the time. So I may use Pinto beans, Chili Beans, Mexican Beans - and even though you're making "homemade beans" it doesn't mean that you can't utilize any leftovers that you may have around. For instance, if I grill out and have left over burgers and beans, the next day I may chop up the leftover cooked burgers and thrown them in the beans and simmer for 20-30 minutes and eat! I've used thrown in leftover taco meat, sloppy joe, and even chicken. Technically that makes the "homemade baked beans" more like a chili - but it's ok to change it up a bit! Another thing that's fun with this recipe is to add some cubed cheese of any kind just minutes before it's done. That melted cheese can make it a big hit with everyone in the house!

TR beautician boutique Ridin' Dirty

Noodles, Dingo, Fender and Hup sing a great Barber shop song



http://www.youtube.com/watch?v=uaxLQxtWE24&hl=en

วันพฤหัสบดีที่ 25 กุมภาพันธ์ พ.ศ. 2553

SDV_0095

Aquafitgear Noodle Bar (patent pending) Jumping Jacks



http://www.youtube.com/watch?v=ubYkKXlb5iI&hl=en

วันพุธที่ 24 กุมภาพันธ์ พ.ศ. 2553

Flea Control Strategies

Did you know...

o Fleas spend only 10% of their time on your animal

o An average fleas' life span can be up to 2-3 years

o One female flea can lay up to 1 million eggs during its life

o Eggs can live unhatched in your carpet for a year until the right environment for hatching occurs

o Bark dust, wood piles and ivy are great places for fleas to survive the winter months

o The flea is the second oldest insect (the cockroach is the first) because of its excellent survival mechanisms

The Flea Life Cycle

Adult cat and dog fleas prefer to feed on pets rather than people. The pets are closer to the ground and have warmer body temperatures than humans. Second choice would be children -- especially infants and toddlers. Female fleas will probe and bite and average of seven times in a "grouping" before locating a blood vessel in the skin. The saliva they leave with each bite can cause a localized allergic reaction (flea allergy dermatitis or FAD as we call it in the veterinary world.) After feeding on large amounts of blood, the female flea deposits her eggs and droppings (flea dirt) which consists mostly of undigested blood. Both the eggs (which are white and about the size of a grain of salt) and the droppings (which are black and appear like ground pepper, often in the shape of a comma) drop off the animal's coat and spread all over the environment.

Here's a quick home-test to see if your pet has fleas: Lay out a white piece of butcher paper and groom your pet for a few minutes as they stand on the paper. Do you see any black, comma-looking things against the white paper? If so, put a drop of water on it. If it's flea dirt, the water will turn pink.

Flea eggs remain in the environment for variable amounts of time and are not destroyed by extremes in temperature or by pesticides. When proper conditions exist, the eggs hatch and release tiny white larvae. These larvae are not able to get around and must rely on the undigested blood left in the droppings for their food source. Larvae are very susceptible to extremes in environment, pesticides, and insect growth regulators.

Within several days the larvae spin a protective cocoon called a pupae around themselves. The pupae are very resistant to all but steam cleaning and can lie dormant for many months to years. The pupae is the primary stage that over-winters in the environment. When conditions are favorable (warm and moist), the pupae release young adult fleas and the cycle is complete.

The length of the flea life cycle can vary from a little as one month to as long as two or three years.

Flea Control Products

There are many products available to eliminate fleas. They differ in effectiveness, application, safety, convenience, odor of the product, and duration of effectiveness. Sounds pretty complicated, right? It is. It's actually a chemical nightmare.

AN EFFECTIVE FLEA CONTROL PROGRAM MUST INCLUDE ALL ANIMALS IN THE HOUSEHOLD AND THE ENTIRE ENVIRONMENT IN WHICH THE ANIMALS LIVE (INCLUDING YOUR CAR.)

Many people only use one product at a time, which is NOT effective. You must treat the animal, the house, and the yard all at one time to get this challenge under control.

Control of fleas on the pet: You have your choice of powders, sprays, dips, spot-ons or oral growth regulators.

Flea Powder: Manufacturers of these products say flea powder is safe to use every 3-4 days on dogs and cats older than 8 weeks of age. The active ingredient, (pyrethrins being the safest and most natural ingredient) takes about 15 minutes to kill fleas when first applied. By the end of 5-7 days, if not reapplied, flea powder works only as a residual, taking up to 12 hours to kill the flea. There is no growth regulator in this product so it only kills the adults.

Note: Powder should be diluted to half strength with talcum powder when used on puppies and kittens.

Disadvantages of flea powder: Flea powder can make the coat feel rough and dirty. So, if your pet is already uncomfortable from the fleas and now you are alienating them by not giving them the affection you used to when their coats were cleaner and softer, this makes the problem worse. The animals do not enjoy flea powder and it may make asthma worse.

Flea Sprays: Sprays can vary somewhat. Most are alcohol-based and some are more organic than others. The alcohol is for quick kill of the adult and pre-adult stages. Some flea sprays contain an insect growth regulator that will kill flea eggs as well. Make sure you get one with this in it. Pets run when they see you come to them with that bottle after a few applications.

The only time I use flea spray is when I'm treating a cat for ear mites (I spray some on a Kleenex and wipe their head down after I clean their ears and put medication down both ear canals.) I also use it to spray my pant legs when I take walks in the woods during tick season.

So, could you use rubbing alcohol or vodka to kill the adults? Yes, but using rubbing alcohol can be toxic. Rubbing alcohol contains a bit of methanol, which can cause blindness when ingested. Cats groom themselves and will ingest this. If you want to use alcohol, stick with vodka or Everclear, but it's really not very effective.

Aromatherapy: Herbal insecticides include pennyroyal (very toxic), clove, citronella, and eucalyptus oils (diluted of course.) These can be mixed in with shampoos or applied to a material flea collar. They can be very irritating when applied directly to the skin. They should not be put directly onto the coat either because when the animal grooms himself or herself they will ingest it. In general, pets hate this type of flea control and only submit to it in a learned helplessness type of situation.

Flea collars are only minimally effective in the control of fleas. Most collars contain dichlorvos, which is released as a vapor. They are sold under several trade names. Dichlorvos is toxic to animals and people and can cause severe reactions occasionally. Remember, flea and tick collars don't work well for animals over 20 pounds.

Note: Collars are especially harmful to Persian cats. They may also cause localized reactions around the neck.

Ultrasonic collars are ineffective and may cause hearing loss in your pet. Ultrasonic collars are an expensive gimmick. Don't fall for this.

Dips which kill fleas and mites for several days or weeks are highly toxic and should not be used for routine flea control. One study found that more than 3 dips per year led to an increased incidence of cancer. Wear gloves if you decide on this method of flea control (although I have no idea why you would.) Try to pick a non-organophosphate (OGP) type with a growth inhibitor in it.

Pour-on and Spot-on products containing organophosphates are also very toxic. Organophosphate spot-on kills the fleas only after it bites the pet and sucks its blood. These products are also dangerous where infants are concerned. Do not let a small child be exposed to the pet for at least 24 hours after these products are used. I have heard of instances where the parent found a dead infant the day after putting this on the family dog that slept with the child. They are applied once every two weeks. A good rule of thumb is "if a little is good, a lot is NOT necessarily better." Use only the dose specified on the bottle. Make sure you know the weight of the animal before you dose them. Make note of the next paragraph.

Common side effects to flea products may include hypersalivation, vomiting, and diarrhea. Some animals appear to foam at the mouth, others stagger about. Their pupils dilate and they seem disoriented. The best treatment is to remove the product from the animal's skin or body. Bathe your pet immediately--with a mild shampoo NOT containing flea control. Some animals may need to be treated by a veterinarian with atropine or steroids to help the animal deal with the toxicity and in some instances to save their lives. If you have any questions, do not hesitate to call your vet.

One product on the market seems to be working quite well and is minimally toxic. It is called Advantage. Advantage is a spot-on with a growth inhibitor, which works for 3-4 weeks. It permeates the fatty layer of the skin. It should be applied after the bath because bathing leeches the product from the skin. Advantix is a formula that is used for those who are in a tick area. It is also fairly safe.

For dogs that swim regularly, this product may not work as well as others such as Program. If Advantage is not working for you, you are most likely not following a total flea control program of treating all animals in your house, premise spraying the house, the car and treating the yard as well.

Occasionally I have seen Advantage react locally with the skin causing the hair in that area to fall out, but this is rare.

Program is an oral product that contains growth inhibitor. It is given once a month and literally sterilizes the adult fleas so they cannot produce any eggs. It is very safe for both the animal and owners. The animals don't mind the taste in most cases and it is very effective when used with environmental control. Some forms of Program also include a heartworm preventative and monthly roundwormer (pyrantel pamoate). This product is especially recommended for flea problems of a larger magnitude and for long term maintenance. It's not a good product for the flea allergic pet, however because the flea still needs to bite the pet to ingest the growth inhibitor.

I am often asked about Frontline products. I will have to say that I have never muscle-tested this product to be safe for any pet. It sure is popular and sells like crazy (I don't carry it.) I don't know why, but Advantage and Program seem to be the safest products with the fewest chance for side effects.

Flea Shampoos provide no protection once they are rinsed off. They can provide temporary relief (a few hours with severe infestation of the environment) and will kill the fleas on the animal at the time of the bath. They are good in getting rid of the flea dirt on the skin, but they also dry the skin out and are not good for dogs with dry/flaky or oily/greasy skin. It's better to choose the correct medicated shampoo for your pet in these cases.

Apply flea spray, powder, or Advantage to the pet after the bath for longer lasting results. Any animal having skin disease along with the flea problem should see your veterinarian for proper treatment and recommendations regarding diet, shampoo and treatments.

I'm sorry to say that B-Vitamins, Brewer's Yeast, Garlic, Cedar Chips and Herbal Flea Collars will not kill fleas. They do, however, make the skin smell bad to the flea and will deter them. Scientific studies show a decrease of only 20% in the flea numbers with the use of these products.

Note: Cedar chips and shavings can be harmful to your pet's skin. The slivers off the chips can embed into the skin and cause tumors (that goes for rats too!). The essential oil of the wood is also very toxic and has been known to cause cancer.

Avon Skin-So-Soft is used by itself as a flea deterrent and is in Duo-Cide products. To use this product, add 2 tablespoons Skin-So-Soft per pint water in a pint spray bottle. Shake well just before using each time--it is an oil/water interface. Skin-So-Soft may make the coat oily and you may have to wash the pet more often as the dust will stick to this oil more readily. If your pet has allergies, this would not be a good choice. The goal is to reduce allergen exposure on the coat for allergic pets. This product would help the pollens to adhere to your pet causing more problems.

Flea combs are highly recommended for animals that cannot tolerate flea products. The challenge is to get the owners to use the comb as often as necessary to help the animal--every day. Grooming can be biweekly after you comb off no more fleas for several days in a row. Continue to use the flea comb daily for those flea-allergic pets. Fleas need to be crushed with a thumbnail as they have very hard exoskeletons.

Some fleas combs are better than others. Try to purchase one that will rake off the adult fleas, eggs, and flea dirt all at once. These combs are also excellent in the prevention of hairballs in cats (and will comb out lice in a child's hair very effectively). Fleas combs won't comb through the longer coats very easily--the tines bend and break. I like the kind imported from England. They have a great handle you can palm and metal tines that can really take a beating (or grooming.) I also use my flea comb to comb out the winter coats on my pets. They cost about $7.00.

Treating the Pet's Environment:

In general, the products used in the environment can be more toxic and last longer than those which are applied to the animal. Never use these products directly on your pet or children unless the bottle states it is safe to do so (even then, I would question this.)

Where young children and infants are concerned, more importance is placed on safety than effectiveness. This is why it is important for you to be involved in the choices of products for your home and pets.

Premise control products kill only the susceptible stages of the fleas at the point in time they are used. They are fairly safe and can be used as the main environmental treatment in homes that have birds and fishes as pets. The frequency of fogging and spraying depends upon the temperature and humidity, degree of flea infestation, the traffic of pets in and out, the effectiveness of the products used, and the amount of household clutter in which fleas can hide.

Foggers are designed to cover large enclosed areas and are set off while all occupants (including pets) are away. They are most effective in empty spaces and in crawl spaces. In homes with furniture or items covering the floor they are not very effective. Foggers can take care of up to 80% of the problem. Make sure you get one with a growth inhibitor in it.

When using foggers, remove all living things from the premises. Cover your fish tanks and remove all the birds. Read labels prior to using any foggers or premise sprays. Because the insect growth regulator Methoprene is also removed with vacuuming, vacuum or steam clean before using them and wait at least 4 days after fogging to vacuum. Foggers are basically gone after 10-15 vacuumings.

Put your dollars into growth inhibitor products for most effective and economical results.

Premise Sprays are designed for spot treatment or for difficult to reach areas and for areas which are not enclosed such as a back porch or doghouse. Use premise sprays for the baseboards, under the furniture, and between the couch cushions and around the edges of the water bed mattress.

These products last 2-3 months, are not as easily vacuumed up (they last for 20-30 vacuumings) and are very good for high traffic areas and for continuous protection. These products are broken down and become ineffective by the sun's rays. Use them for touch up in well-traveled pathways in the house where you may vacuum more often. Don't forget to treat your car if you pets travel with you (even just once to the vet.) This product is effective and a good use for your dollars.

Yard and kennel sprays are for outdoor use and should be used in accordance with manufacturer recommendations. Most fleas live within a 30-foot radius of the building -- where most pets spend their time. These sprays can be purchased at your veterinarian's office, pet shops, on-line, or at the local garden store.

Nematodes that eat flea larvae: A few years ago I carried a natural product of nematodes to sprinkle on your lawn that would kill the flea larvae. That would be a great product if it were effective. The downfalls to this product were that it had to be kept wet, the expiration dates are short, it is expensive, and one can does not go far. If anyone of you out there has found a good product like this could be, let me know!

Malathion and Sevin are the sprays used most frequently for the yard, but get inactivated by sunshine and they will not last over 3-7 days. Spray them after the sun has gone down and when you know it won't be raining for a day or two.

Housekeeping can be an extremely effective flea control measure. Vacuuming will remove flea eggs, pupae and the flea droppings used by the larvae for food. Vacuum up some flea powder or add a piece of flea collar to each new bag or burn the vacuum sweepings to prevent fleas from completing their life cycle in the compost heap or trash bag. Vacuuming EVERY DAY is essential if you don't want to use chemicals. Also, getting rid of carpet in your house helps a lot. I would also recommend an occasional shampoo of the carpets (not dry-chemical cleaning) as it will suffocate the cocoons.

A note about worms: When fleas (or mice) are ingested by your pet the tapeworm (cestode) is allowed to finish its life cycle. If you see rice-sized segments sticking to the hairs around the rectum of your pet or see the segments or "ribbon or noodle-like" worms in the stool or on the animals bedding you should contact your veterinarian for a drug to treat them. Over-the-counter worm preparations only treat nematodes (roundworms) and are not effective against tapeworms. Worming may be necessary as often as every three weeks (the life cycle of the tapeworm) depending on the severity of the flea problem.

When in doubt (especially for large dogs, which can be very expensive to worm,) bring in a fresh stool sample for a floatation. The floatation may not show eggs even though your pet has worms.

My recommendation is to worm your pets if you are seeing fleas with a good tapewormer (I use Cestex) and worm twice a year with pyrantel pamoate (also called Nemex or Strongid-T) roundwormer. Piperzine is useless these days for roundworming and no longer works at all in cats. The grocery store doses are ineffective.

If you have wormers at home and would like to try to use them up first, call your vet. We need to know the chemical name (scientific name) to be able to tell you if you have the proper medication.

NEVER give a store bought wormer to a pet who is sick unless your vet is consulted first. You may cause some severe problems--especially with triple wormers. I once had a relative give her pregnant dog a triple wormer. The dog strained so much that her uterus burst and she died.

Diatomaceous Earth: Not all diatomaceous earth (DE) is alike. Stay away from filtration types. All DE that is used for filtration purposes (pools, spas, etc) has undergone chemical and heat treatment. The heat treatment greatly increases the percentage of crystalline silica, which poses a serious inhalation risk. DE has high crystalline silica content and some DE has high levels of arsenic in it. Our local organic people recommend Perma-Guard (www.perma-guard.com). Another brand to use that is safe is Biconet. Only natural untreated DE should be used for insect control.

How does DE work? The dust clogs their breathing apparatus so they suffocate. Unfortunately it may also make asthma symptoms worsen.

Mopping with soap and mild bleach water is quite effective for flea control in those houses with no carpets. Many of my clients with flea allergic animals and inhalant allergy children eventually change over to hardwood floors and linoleum.

Flea attractant lights. What a racket. Don't waste your money on this gimmick. White dishes filled with water and Joy dish soap: I suspect if you are attracting fleas to this kind of contraption that you have a severe infestation and should think about doing something a bit more effective.

Well, I hope this helps your flea problem. Good luck! You'll need it.

© 2005 by Dr. Denice M. Moffat

วันอังคารที่ 23 กุมภาพันธ์ พ.ศ. 2553

Women - Making Money

Three women were sitting around a table commiserating - one said, 'I really - I mean really - want to go to that great seminar program - how can I afford it?'

If you are short of cash for your investments - in your educational plans, investment accounts, spending plans or money to give away - what do you do? Or, if you unfortunately need to pay off credit card or other debts - how do you do it? - you ask. Try this approach.

Get started by thinking about how you can generate more money through "creative" sources where you know that you can do something that other people will find valuable. Begin by asking the questions: How can you add more value where you work so that people will want to pay you more? What skills, talents, and resources do you have to supplement what you're already doing to increase your income? How can you think creatively about your situation so both you and others will benefit from your energy?

Maybe it's simply a matter of taking a good, hard look at your work environment, finding something that could be done better, and volunteering to handle it. Then, once you've demonstrated your added value, ask to be remunerated for it. Or you might consider starting a home business or expanding the services that your business offers. If you "noodle" this-let it roll around in your mind for a while-you'll come up with something unique to you-that can engage your spirit and passion because it's something that you create. There are two ways to enable cash coming to you: one is to 'create' something that can be marketed and the other is to 'buy' something that is already a means of cash flow. Here we are talking about 'creating' new sources of cash flow to land in your checking account - and be available for your investment opportunities.

A woman named Jane, for example, came to see me one day. We talked at length about her lifestyle and where her money was going. Jane works for a software company and decided she could easily start a newsletter that would educate and help people using her company's software; she would provide a real benefit for which she could be paid.

Then there's Lori, who found that by simply taking long walks along the beach during low tide, she could collect sea glass-broken bits of glass from bottles, glasses, and other objects that have been transformed by the sea and sand into smooth, translucent, frosty, colored "gems"-and recycle it into beautiful jewelry. With some investment for silver wire, she's fashioned one-of-a-kind earrings, pendants, bracelets, and brooches that fetch from $10 to $150. She's attracted a group of steady customers who look forward to buying her crafts at holidays to give as gifts. The money Lori makes from her jewelry designs is earmarked for her wealth building plans and goes directly to enhancing her financial future.

And Linda, who owns a cooking school, decided she could increase her income by selling spices, bowls, platters, pots, pans, place mats, and napkins at her school. Linda's students now happily buy flavored olive oils, herbes de Provence, and garlic presses from her so that they can create the delicious dishes she teaches them to cook.

What can you do to spice up your life for yourself and others? Opportunities for internet businesses, pet sitting and other creative thinking - can blossom into part-time extra money or full-time cash producing plans - and supplement your immediate cash requests, relieve your financial worry, or get big - and create your wealth.

Here is how it can go - it's an epiphany of sorts. There was Maggie who for several months had gone to her employer to borrow against her next paycheck so that she could cover existing bills. Her boss handed out the cash and suffered the bookkeeping complications to oblige Maggie. But the last time Maggie made the request, she had a harsh awakening when her boss said 'no'. I couldn't believe it!" Maggie said. 'She told me, if you ever expect to get yourself out of your money problems, you're going to have to learn how to manage your money and use your creative talents. Stop buying junk and start saving. And stop drawing from your future paychecks to float yourself. It was like a good, swift kick in the butt, and maybe that's just what I needed!', Maggie recited. So Maggie began seriously considering what she was doing and began to see the challenge and to plan to address it.

If you feel confused about this step - it's a good thing. It means that your brain is considering something new and it's not yet fully integrated into your thinking. You are asking - what can I do and how can I do it? Learn to love the questions. So let's work on that.

Make an inventory of the things that you like to do - for me it's writing - what is it for you? Maggie and I talked about her skills and talents to see where she could turn some of her creative juices into income. I discovered that Maggie often does the mounting and framing at the photographer's studio where she works. Maggie is very good at these tasks, so good that I encouraged her to call around and offer her services to others. This way, she'll have a second job where she can dedicate the cash flow to be a ladder for her to climb out of the well of debt she has stumbled into. It's a way for Maggie to add more income producing 'legs' to her life - and to regain the sense of control that spending and ballooning debt have stolen from her - because her new conviction is to be free of the credit card bind.

How can you add more value to your life? How can you re-channel your resources to make your energy and your money work for you?

Take a look at what happens when you suddenly get a $10,000 bonus or raise, or a $10,000 inheritance from a favorite grandparent, aunt, or uncle. Do you invest all or some of the money? If you don't, you're not alone, because not many people do. Some take that bundle and indulge in the dream vacation that's haunted them for years. Others add a wing to their house or buy a new home entertainment center. Unfortunately, none of these things will give you a cash flow in your future. But if you're like most people, you spread out the extra money over the year: You buy a nice Bordeaux or Barolo instead of the Gallo jug; you stop wearing L'eggs and start sporting Donna Karan; you go to more movies; you eat in nicer restaurants, and do it more often. Before the year ends, you've blown ten thousand bucks on a hundred small treats. You say, "I have no money. Where did it go? - how come I don't have cash sitting in my checking account for the important stuff?"

Once you get that extra income, bonus, raise, inheritance, or cash from your creative business, consider what importance you attach to it so that it can make a difference in your life. Here's an alternative to consider. See what happens if you splurge a mere $2,500 for a few bottles of nice
wine, several new outfits, and a short holiday and invest the remaining $7,500 in a way that will create more cash for your future. This could be in your investment account or business - something that will work for you.

With your own creativity you can run your life like a business, by creating your 'value' and earning a profit at the end of the year. When you do this - you'll be generating cash for your spending plans. Cash flow comes from employing your creative thinking and offering it so that you can be paid - and then you will have cash for your educational plans, spending plans and future financial well-being. And best of all - you'll have a good feeling about your money and your talents.

วันจันทร์ที่ 15 กุมภาพันธ์ พ.ศ. 2553

How To Calculate Loan Payments and Amortization on the Back of an Envelope With a Cheap Calculator

In a previous article we presented a simple formula to calculate the amount of a monthly home mortgage loan payment. The formula applies to any compound interest loan. The only special equipment you need is a calculator with a power function key. That's the key with the y superscript x (y ^ x). If you have kids in school you probably already have one.

Here is a review of monthly payment formula.

The variables are:

N = loan period in months. i.e. 20 years = 240 months.

R = interest rate in whole numbers. i.e. 8% written as 8.

P = principal amount of the loan. The amount borrowed.

Q = the Q factor. An intermediate calculation.

M = monthly payment amount

Here's the entire formula for the monthly payment amount of a compound interest loan:

M = (P * R * Q) / (1200 * (Q -1))

Easy enough, but first you have to calculate the value of Q. Here is the formula:

Q = (1 + R/1200) ^N. Pretty simple, but you do need the power function key. N can get large.

In our earlier example we calculated a monthly payment of $418.22 on a $50,000 second mortgage at 8% for 20 years. You have paid the 2nd mortgage loan for 5 years (60 months). The pay off amount is $43,763 (rounded). This is how to calculate the pay off amount on any compound interest loan after N number of payments.

This is an easy three step process with a subtraction at the end. First calculate the growth value of the loan amount (P). P increases by a factor of (1 + R/1200) per month, so after N months the value of the principal amount of the loan would have inflated to P * (1 + R/1200) ^ N. For the current $50,000 second mortgage the calculation looks like this:

50000 * (1 +8/1200) ^60 = 74492.28 (step one)

The monthly payments have also inflated by a factor of (1 + R/1200) per month so in math talk we have a geometric series with n terms. The monthly payment part is a little more complicated and the formula looks like this:

1200 * M * ((1 + R/1200) ^N -1) / R

Plug in the actual values and it looks like this:

1200 * 418.22 * (1 + 8/1200) ^60 / 8 = 30729.49 (step two)

Now finish up by subtracting the inflated repayment value from the inflated loan amount value to get the pay off amount:

74492.28 - 30729.49 = 43762.79 (pay-off)

Once you know how to calculate the monthly payment and pay-off amount for any compound interest loan on the back of an envelope, you can noodle mortgage and car loan what-ifs from anywhere.

วันอาทิตย์ที่ 7 กุมภาพันธ์ พ.ศ. 2553

Weimaraner and internal parasites

For the first time in his life, the Weimaraner can suffer from various internal and external parasites. This article will focus on internal parasites such as hookworms, roundworms, tapeworms and whipworms. Some internal parasites have virtually no impact on the health of the animal host. Some cause various diseases and even death, if present in large numbers, and if they are not treated in time.

Hookworm

Hookworms are intestinal worms that live in the small intestine. TheyHooks on the intestinal wall to consume large quantities of blood of the host, which may eventually lead to death due to anemia and low protein. Symptoms of hookworm infection depends on the number of parasites present and the health of the host. Symptoms include lethargy, dark stools or diarrhea, weakness and vomiting. The diagnosis is made by examination of faeces and recognition of your eggs in feces Weimaraner.

Ascaris

This type of parasite is the most common internal parasites inDogs especially puppies. Signs of roundworm infection include vomiting, drowsiness and poor appetite. While others may have no symptoms, some also show a cough, fever, nasal secretions and pneumonia. A worm that looks like a slender curled spaghetti noodles can be found in the stool or vomit of your pet. The diagnosis is made by stool examination.

Whipworms

Whipworms are long, whip-shaped worms that look out on one end and dense. These parasiteslive in the large intestine, usually in dogs and suck the blood of an animal host. Weight loss, anemia, chronic diarrhea, and fresh blood in the stool are signs of a heavy infestation of whipworms. Like hookworms whipworms can cause death due to anemia and low protein. The diagnosis is to seek the oval shape of eggs in the stool of your pet.

Cestodes

Cestodes, tapeworms are commonly referred to as long segmented worms, which are hooks on the wall of the small intestine.These parasites seem small, flat grains of rice that move or can not move. The eggs are often visible in the stool of your dog or attack, the hair of the dog around the anus. Some dogs with tapeworms can infect any test. The most common sign, however, is dried tapeworm segments that look like grains of rice in the hair around the anus.

Internal parasites are different from external parasites. If you suspect that your Weimaraner is suffering from any of theseParasites, do not wait further. See your veterinarian for diagnosis. Worming drugs that are effective, safe and convenient way to eliminate you and your dog these parasites.

วันอังคารที่ 2 กุมภาพันธ์ พ.ศ. 2553

Ming Ding House of Noodle

In the Ming Ding House of Noodle, you will find a variety of pasta! A short animation piece in the tradition of George Pal's Puppetoons. Stereotypes run-a-muck! Enjoy! Dir Mike P. Nelson



http://www.youtube.com/watch?v=MSbAWXwbM_g&hl=en