Finance: Everyday Accounting

Finance: Everyday Accounting

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Finance: Everyday Accounting
finance

By the end of the day, imagine the amount of money you have spent. Just think for a second. Some of you may not have spent much at all, if anything. The rest of us generally spend more than we need to; or at least, we spend more than we realize. This all adds up, sometimes to financial heights that incrementally sap our wallets. While it may not seem significant, this price analogy should quell potential disinterest: people find it unsavory to purchase a thirty-dollar item each day, yet they easily spend thirty dollars incrementally, perhaps because they are not as aware. They are not aware, for example, of their fixed spending (insurance, payments, bills…).


Simple everyday accounting helps to raise awareness.

Save money by logging day-to-day expenses, especially expendable purchases. Either log purchases into a pocket notepad, or simply remember them inside your head. Accounting simply entails adding up purchases, either in print or no print. Do this for one routine day and, depending on your habits, you may be surprised. The psychology behind our purchases lay in how cheap we perceive things to be. So while we may feel guilt in buying a single thirty-dollar item, we would feel less so with three ten-dollar items. Regardless of getting more bang for your buck, the sum total still balances out. The difficulty comes in the temptation of the ten-dollar items; because it leads us to spend more than we like. This can be a financial strain concerning day-to-day purchases; finances usually reserved for long term matters like insurance and payments.

The principle vice points to food. The more food purchased, the more money spent, the greater calories gained. A scientist need not mention the symbiosis of food spending and weight gain. This example of food purchases should be the most obvious habit of anyone with even a meager amount of disposable income. Unless you pack your meals from home, accounting for your food purchases can be a clear indication of your spending habits. In fact, it may compel a person to pack more often. In theory, this can lead to weight loss, as people tend to be less picky with what they bring from home, versus the plethora of fast food chains and hearty restaurants. Give it a shot, and likewise, you may be in for a surprise.

The goal of everyday accounting: to fatten your wallets; or, to keep your wallets fat. The act of spending should not be passive. It has an immediate affect on lifestyle, because it brings awareness to everyday excesses. It makes common sense to save money. And the way to account for your disposable income is to factor in the amount you make from your job. With the aforementioned example of food, add in other daily expenses, like gas. With the information provided by your log of one routine day (or week), calculate the total amount of money spent. Now, with the sum total, find out at what percent it eats up from an average paycheck.

Yes, disposable income is disposable income. Yet what sacrifices can be made? What corners can be cut? Chances are the most expensive, routine items from your log are the expendable or replaceable items. Just be sure to optimize your purchases, and keep that wallet stuffed. Becoming aware of what you buy may lead to a rewarding change in lifestyle, and will alleviate conflicts with fixed spending variables, like bills and insurance.

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Coffee: Enjoy Premium Coffee and Its Many Benefits

Coffee: Enjoy Premium Coffee and Its Many Benefits

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Coffee: Enjoy Premium Coffee and Its Many Benefits
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Coffee drinkers have enjoyed smelling coffee’s soothing aroma and drinking coffee as a morning treat for thousands of years. It’s often used as a “pick-me-up” to get going in the mornings, as a warming drink during cold winter weather, and even as a treat after meals. In recent years, more and more coffee distributors have been exploring different flavors of coffee, trying out new ground coffees and coffee blends. If you’re a coffee drinker, here are some ways to enjoy premium coffee to the fullest and its many benefits.


Premium coffee has been around for years, but not quite in the variety that it’s available today. Now you can even go online to order almost any type of coffee beans you’d like. You can order world coffee from many different countries to try all the different coffee blends. You can order roasted coffee, strong coffee, or Kona coffee. There are so many types of coffee that the choices seem endless.

Cold and Flavored Coffee

Another enjoyable type of coffee that’s popular today is a cold coffee or iced coffee beverage. There are a variety of cappuccinos, which are specially flavored blends of coffee, milk, and other ingredients to create a sweet coffee-like treat. Then, you can try an iced latte, espresso, and other premium coffee beverages as an alternative to milkshakes and other beverage treats. These even make a great treat for kids…. but don’t allow them to drink too much coffee or they might bounce off the walls for a while!

Health Benefits of Coffee

There are conflicting beliefs about the health benefits of coffee, but like any other natural food or beverage, the issue is usually “how much” a person should eat or drink rather than “if” they should. Regular, moderate premium coffee consumption has been linked to many health benefits. Studies have shown that coffee drinkers are less susceptive to certain ailments such as Alzheimer’s disease, gallstones, diabetes, depression, and Parkinson’s disease. There are many natural antioxidants contained in ground coffee and coffee beans. Antioxidants aid in the removal of toxins in our bodies and help prevent disease.

On the negative side, coffee also has extremely high caffeine content. Caffeine can provide a sudden boost of energy, but can also cause long-term health ailments if consumed too much, such as a heart rate increase, high blood pressure, or an irregular heartbeat. Coffee is also highly acidic, which can cause a decrease in oxygen levels in the body and a build up of lactic acid. Luckily for those who need to limit their caffeine intake, there is decaf coffee that has most of the caffeine removed.

So as with many natural foods and drinks, drinking coffee in moderation is still the best way to enjoy its health benefits and other benefits as well.

Choose Premium Coffee Online that Excites Your Taste Buds

The good thing about buying premium coffee online is you can obtain the freshest coffee and choose from a number of coffee blends to excite your taste buds. Even coffee drinkers have different preferences when it comes to coffee blends. Ordering premium coffee online enables you to try out all the blends and discover which coffees you like best. And, you can order these from your home at affordable rates. Many of the special coffee blends can’t be found at local grocery stores, so you can pick and choose from a wide selection of ground coffee from around the world.

Online premium coffee offers you the beverage you’ve always loved but with more blends and choices than ever. Try out all the great coffees at your favorite online coffee store today.

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FOOD: Enhance Marketing of Fruits and Vegetables

FOOD: Enhance Marketing of Fruits and Vegetables

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Food: Enhance Marketing of Fruits and Vegetables
food

Fruits and vegetables are usually more difficult to market than to produce. There are ready markets available daily or weekly for grain and livestock in almost all areas of the United States. There are few similar markets for fruits and vegetables. Most commodities are produced in abundance and long established market channels may be closed to small scale or new producers. A producer may need several years to establish a marketing program. The number of produce buyers has decreased rapidly in recent years. One major nationwide supermarket chain has plans to consolidate the number of buying stations for produce to eight in the United States. A grower has little chance of selling to a local store in a supermarket chain as purchases are made through a central warehouse. As the number of buyers has decreased, the number of producers has decreased, but their acreage has increased considerably. There is often a delay of four to six months after shipment in receiving payment in the wholesale market system when selling through a broker. This often presents a cash flow problem for many growers. Wholesale buyers have strict and specific product quality, grade, and packaging requirements. These purchasing practices and price squeezes have eliminated market availability to many producers.


The future shows more promise for large scale producers or small scale producers than for mid sized producers. The large scale producer can afford the large equipment needed for production, and the use of migrant labor. Small scale producers can use smaller equipment, often hand operated, and family or local labor to substitute for other equipment. Large producers are linked through brokers to supply produce over a relatively long season or year round and it is difficult for small scale producers to supply the quantity and quality required over a long period. Both types of producers can be highly successful or can go broke as production and marketing practices are highly volatile. A mid sized producer is less efficient, and often can’t economically justify the purchase of needed equipment or substitute labor for equipment.

The small scale producer needs to seek local market channels. There are opportunities, but a producer must work to find them. Direct to the consumer markets bring highest prices to the producer, but also require more producer time in marketing. A diverse group of crops is ideal, since market demand changes rapidly. A commodity may sell well and bring high prices for a long period, but demand and prices may drop drastically over night. Supply and demand has a tremendous effect on marketability and prices of produce. There are no federal support prices for fruits and vegetables to help the grower when market demand or prices drop. Pick-your-own was a popular practice a few years ago. Society has changed and many people do not have time for harvest. Most consumers would rather buy produce that is harvested, and a popular developing trend is to prepare produce for the market that is as near ready to eat as possible. Precut salads and green beans are good examples of this practice. Shelf life of precut produce is relatively short, and cooling is essential.

There are opportunities for small scale producers for on-farm markets, organized farm markets, locally owned supermarkets, and locally owned fruit and vegetable markets. When selling to any market, and especially to local supermarkets or fruit and vegetable markets, good communication between producer and buyer is essential. A producer needs to know what, when, and how much the buyer can use. The buyer needs to know what is available and when, as he has to keep the shelves stocked. Determining a fair price can be difficult. Daily market prices are available on the internet. County Extension personnel can access this information for producers. Retailers generally double the price paid to account for shrinkage and spoilage.

Crop and variety selection are critical factors in marketing. Buyers are indifferent to the origin of most crops. Locally grown produce is much preferred versus other crops, primarily due to the difference in quality (flavor). Preferences for locally grown fruit and vegetable crops are apparent for sweet corn, tomatoes, strawberries, and peaches. These commodities either are harvested for shipping before top quality is attained, or rapidly lose quality during post harvest handling and shipping.

Different varieties may be used in shipping markets as compared to local markets. The sweet corn shipping market uses mostly supersweet type varieties. Local markets may use supersweet type varieties, but usually prefer SE or SU type varieties. Certain crops or varieties are preferred in specific locations, and a ready local market may exist for a specific item that is not widely available.

A local Crossville, Tennessee market owner recently shared a list of items that he had difficulty in obtaining, and that he needed during the summer season. His list included Half Runner, McCaslan, Caseknife and Greasy beans; pickling cucumbers of 1.5 to 2 inch diameter; fresh highly flavored sweet corn (yellow, white and bicolor); Red Cayanne pepper; colored bell pepper; Kennebec and Yukon Gold potatoes; watermelons (seedy and seedless), strawberries; greenhouse tomatoes (fall, winter, and spring seasons); and highly flavored local tomatoes in the summer season. He had an idea for a tomato festival that included tomato varieties not routinely found in regular market channels. This would include Rutgers, Celebrity, cherry, beefsteak, pink, yellow, yellow and red striped, and pear shaped varieties. Many of these varieties are less productive and have other production problems, but have excellent flavor compared to the standard commercial hybrid varieties. There is a marketing opportunity through this market at Crossville, and similar situations probably exist in most locations in the United States. A producer needs to search for such market opportunities.
The budgets and profitability of crops is another factor in production. Tomatoes have consistently been the most profitable crop for Tennessee producers. Greenhouse production is completely different, but is a rapidly growing enterprise in Tennessee. Sweet corn can be profitable, especially if a high plant population is used to provide high yields. We are planting twice the population (23,500 plants/A) than was planted several years ago, and are evaluating spacings for higher populations. Budgets that detail costs of production and likely returns are available for most crops, or a grower can develop their own budget.

Tree fruit production does not fit well into small scale agricultural production. The time between planting a tree and the first economic fruit harvest is relatively long. Large equipment is necessary to apply pesticides 10 to 12 times annually starting at the first bud break. Many pesticides are restricted use, and require special handling procedures. Trees need to be pruned at planting and annually in late winter.

Grapes offer some opportunity, but strawberries and blueberries are small fruit that offer more opportunity for small scale producers. Large fruit are required for successful marketing of strawberries and blueberries. Drip irrigation is needed in most areas for stand establishment and crop production. Overhead sprinkler irrigation is often necessary for frost protection. Strawberry production systems are changing from matted row to annual production. The culture of each system is entirely different.

Harvest of fruit and vegetable crops at the proper maturity is essential. Many crops have a very narrow harvest window, and proper maturity is needed to insure a marketable product. Crops that producers tend to harvest early are sweet corn and bell pepper. Sweet corn that is not fully mature has less flavor, and little usable grain. Immature bell pepper pods wilt rapidly and are not attractive. Crops that can easily be harvested too late are sweet corn, bell pepper, and green beans. Bell pepper may be harvested with some color showing. Most markets want a green or colored pepper pod, and not a partially colored pod. Sweet corn and green beans become tough rapidly is allowed to become overmature. Tomatoes are best harvested in the pink stage and harvesting twice a week may be needed for proper maturity. Pink tomatoes have full flavor. Fruit rot, cracking, and bruising may be less when harvest is at the pink stage.

Packaging of produce is a critical factor in marketing. Containers should protect the product and be attractive. Standard packs vary according to the type of product and the market demand, but many buyers require the use of standard size containers. Some routine container sizes are half bushels, bushels, 1 + 1/9 bushel, standard sweet corn crates to hold 4 œ dozen ears, and pints or quarts for berries. Many different types of materials are used in containers. Waxed pasteboard cartons are very widely used. Snap bean and sweet corn buyers often prefer wire bound wooden boxes. Melons are often sold in bulk cardboard boxes that hold approximately 250 muskmelon. Many markets may require specific counts and product size. for the container. Peppers and tomatoes are specific crops sold by uniform size. Peppers are usually boxed as extra large (40 to 50 -pods/1 + 1/9 bushel) to small (70 to 80 pods/1 + 1/9 bu box). This relatively uniform size allows the retail vendor to sell pepper pods by count. Prepacking in small consumer packages such as 3 potatoes or tomatoes is becoming more of a demand at the producer level. Local markets may have more or less stringent packaging requirements.

Adult Shopping Network

Product identification can be a useful tool in marketing. Certain areas or growers have developed a name for their product. Some examples are Vidalia onions, Granger County tomatoes, Washington apples, and Idaho potatoes. Product identification can work well for anyone who wants to stress and maintain quality. It should pay in repeat sales and prices received by the grower. We are considering this approach in Tennessee for Tri-X-Shadow seedless watermelon which has exceptional quality. An identification label could be attached to each melon citing the identification (maybe Tennessee Seedless).

Harvested fruits and vegetables are perishable, and quality loss starts immediately after harvest. Rapid marketing to insure freshness is a desirable feature of locally grown produce. Produce, not sold immediately, needs to be stored properly to maintain appearance, flavor, and quality. Time of harvest, cooling, and storing in shaded areas will help retain quality. Produce harvested early in the morning is cooler than if harvest is later in the day. Quality of products such as green beans, sweet corn, peppers, and peaches benefit from hydrocooling. Hydrocooled produce needs to be kept in a cooler to maintain the proper storage temperature after hydrocooling. Products such as broccoli and sweet corn benefit from storage with ice in the container or placed on ice to maintain a low temperature and to avoid drying of the produce. Produce that has been cooled, should be maintained in cool.

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FOOD: English Cheeses – The Glory Of Vintage Stilton

FOOD: English Cheeses – The Glory Of Vintage Stilton

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Food: English Cheeses – The Glory Of Vintage Stilton
food

Cheese was originally developed as a way of preserving milk. Now cheese is classed as a gourmet food, well, some cheese anyway.

Cheeses from different regions have their own characteristic texture and taste because the conditions that the bacterial fermentation is carried out under differ. Cheese makers can use fresh or pasteurised milk, skimmed or whole milk and add colouring. Different pH levels for the fermentation and different temperatures will alll affect the taste and texture of the finished product.


Cheese is a very personal thing. Many people will not have foreign cheese. French people have never heard of the majority of English cheeses. I enjoy French cheese, but I will try anything.

Camembert and Brie are made from pasteurised and from unpasteurised milk. Look for cheeses made from unpasteurised milk. They bear no resemblance to the tasteless and bland pasteurised varieties. Unpasteurised cheese is not suitable for very young children or the elderly.

English cheese is what I was brought up on. My lunch used to be 1/4 of Lancashire cheese ( and a steak and kidney pie). Lancashire cheese is mild, very pale and very crumbly. It is best cut from a whole cheese. Shrink wrapped lancashire cheese is fine for cooking, but that’s all. You can only keep lancashire cheese for three or four days. The taste deteriorates on exposure to air. Lancashire is the best cheese for making toasted sandwiches, it has a very high melting point.

Red Leicester cheese is another favourite. This has a nutty taste and should have cracks in it. This is another cheese that is infinitely better when freshly cut, rather than shrink wrapped. Red Leicester has better keeping properties than Lancashire and also works well on toasted sandwiches.

Stilton cheese is made in Leicestershire and has blue veins running through it. You can buy mature, extra mature and vintage Stilton. Be aware though that once you have developed a taste for the vintage cheese that you can never go back to the ordinary supermarket variety.

The extra cost for the vintage cheese is not high, yet the taste comparison is unbelievable. You can recognise a good stilton by the rind. It should be about about one centimetre thick, crusty and a deep creamy yellow. The cheese itself should be deep yellow with plenty of blue veins through it. Most people do not eat the rind on Stilton, but it is edible.

If you eat vintage stilton without drinking a ten or twenty years old port with it you are missing a taste combination that can only be desrcibed as ecstatic. You can judge the quality of the port by how far up your sinuses the taste goes. The best port and Stilton combination I have ever tasted was a 1991 Noval LB with a vintage Stilton. WOW! That made my eyes pop out, the taste senation went so far up my sinuses.

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FOOD: Eight Reasons Why Menu Planning Is A Terrible Idea

FOOD: Eight Reasons Why Menu Planning Is A Terrible Idea

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Food: Eight Reasons Why Menu Planning Is A Terrible Idea
food

Have you heard about meal planning lately? Families are busy and getting busier all the time. As families work on getting organized, many home managers are turning to meal planning as a way to eliminate the evening stress in their homes.


However, meal planning is not for everyone. Here are eight reasons why meal planning just may be a terrible idea for you and your family.

1. You enjoy eating unhealthy fast-food three to five times per week.

2. You love the taste of pre-packaged preservative packed frozen convenience food.

3. Spending $200 and 2 hours at the grocery store, only to come home to discover that there is nothing to cook for dinner is one of your favorite things to do.

4. You enjoy the stress of running around like crazy at dinner time trying to figure out what to cook while your children and husband are hungry and crabby.

5. You like your food rut of spaghetti, hot dogs, pizza, repeat.

6. You have no other way to spend the extra $100 you spend each week eating out.

7. You have nothing better to do at 5 o’clock every day then to go to the grocery store. It’s enjoyable to daily spend extra money on groceries as additional items “fall” into your cart.

8. You have no desire to enjoy a home cooked meal around the dinner table with your family. You feel spending time with your family is a complete waste of time.

If you agree with the above statements please do not ever try meal planning – it is probably a terrible idea. On the other hand, if you possibly disagree with at least one of the above statements perhaps it is time to give menu planning a try!

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FOOD: Eating Low On The Food Chain: Vegetarianism

FOOD: Eating Low On The Food Chain: Vegetarianism

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Food: Eating Low On The Food Chain: Vegetarianism
food

Vegetarianism is becoming more and more popular. Some people chose to become vegetarian because of health issues, animal right issues or they simply don’t enjoy the taste of meat. There are several types of vegetarians which include semi vegetarians, who still eat meat, but eat meat and all animal products in small amounts. These type of vegetarians usually eat this way because of a health problem such as high blood pressure, obesity or heart disease. Lacto-ovo vegetarians don’t eat any meat but include dairy products and eggs in their diet, this is the most common type of vegetarian in Western cultures. There are also lacto vegetarians, who do not eat eggs, but still eat dairy. The last and most extreme type of vegetarian is a vegan. This type of vegetarian doesn’t include any type of animal products in their diet, including honey and gelatins. They often avoid wearing clothing made out of leather or wool and only use products which are not tested on animals. Most vegans become vegetarians because of issues concerning animal rights. Some vegetarians will only eat white meats, such as chicken or fish, or will only eat meat that is labeled “free range”, which indicates that the animals were not raised under cruel conditions.


A lot of people who eat meat can’t understand how a vegetarian can be healthy. The truth is that vegetarians tend to be a lot healthier than meat eaters. Statistics show that meat eaters are three times more likely to develop heart disease or breast cancer than vegetarians. Meat eaters are also 400% more likely to develop colon cancer. Eating too much meat has also been linked to obesity and excess weight. On average, vegetarians live about 6 years longer than meat eaters.

If you decide you want to become vegetarian, you have to make sure you are consuming enough healthy foods. A healthy vegetarian doesn’t survive off of white bread and pasta alone. Make sure to include a lot of fresh fruit and vegetables, whole grain pastas, breads and rice, lots of beans and legumes, soy proteins, tofu, and nuts. Make sure you get adequate amounts of calcium by eating a lot of soy milk, tofu, spinach, kale and other vegetables high in calcium. If you are still eating dairy products and eggs, make sure you are consuming them in healthy amounts.

By switching to a vegetarian diet, you will improve you’re health and lose weight as long as you are eating the right foods. There is a lot of information on the internet concerning the issue of vegetarianism, so you can find out which type of vegetarianism is right for you.

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Tea: Earl Grey Tea – The Unique Flavor of Earl Grey Tea

Tea: Earl Grey Tea – The Unique Flavor of Earl Grey Tea

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Tea: Earl Grey Tea – The Unique Flavor of Earl Grey Tea
Tea

The smoky and fragrant taste of Earl Grey is a unique experience that many people can not get enough of. Described as a spicy citrus flavor, Earl Grey is a hard to describe taste that is unforgettable once tasted. Apparently Captain Picard of Star Trek fame will not drink anything else!


Although many people consider Earl Grey as a type of tea, any black tea with bergamot flavor added is in fact Earl Grey. Some manufacturers will even use their lower quality black tea to make Early Grey in the belief that the strong flavor of bergamot will mask the poor taste of the tea. Mostly taken black with maybe a slice of lemon added, Earl Grey is nevertheless one of the most popular of all the flavored teas in the world.

The Origin of Earl Grey Tea

Earl Charles Grey was the Prime Minister of Great Britain in 1830. The story is that while on a diplomatic trip to China, he saved the life of a mandarin. To show his gratitude, the mandarin gifted Earl Grey a special tea, which the Prime Minister took back to England with him. The tea quickly became a favorite in the Earls drawing room, and he asked his personal tea supplier to reproduce the same flavor for him. The new tea became fashionable and eventually spread throughout England and the rest of the world.

It is a good story, but unlikely to contain much truth! Charles Grey never visited China and the Chinese drink very little black tea in any case, which means the true origin of Earl Grey tea is still a mystery.

Bergamot

Bergamot is a citrus tree that is cultivated on the south coast of Italy. Also known as the Princes Pear, the fruit is inedible but the oil extracted from it is used to fragrance perfume as well as tea. The oil was an ingredient of one of the first Eau de Cologne ever made. (It is quite different from the herb called bergamot) The fruit is a cross between lemon, orange and grapefruit, sometimes compared to orange blossom.

In the winter months, before it ripens, the fruit harvest is picked by hand. Specially made cold presses are used to extract the bergamot essence, which is then stored for at least a year. Bergamot is used in aromatherapy to treat depression, and also has anti-microbial effects that can strengthen the resistance of the body to colds and illnesses. Perhaps Earl Grey tea is a good remedy for winter sniffles!

The Taste of Lady Grey

Popular consensus in the time of Earl Grey held that tea made women over-excitable, causing impropriety in the female temperament. Orange, lemon and bergamot were added to tea to calm these impulses, and Lady Grey tea was invented. Today many people still enjoy the taste; not limited to female drinkers!

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Gambling: E-Banks that Accept US Casino Players

Gambling: E-Banks that Accept US Casino Players

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Gambling: E-Banks that Accept US Casino Players
gambling

Recently, the US Federal government banned online casinos from operating in America by making it illegal to transfer money to them through any US bank or payment system. As a result of this law, most of the popular online casino networks such as Party Gaming and PlayTech left the United States. Overnight, online casino players found themselves being chased by the Federal government.


But, after a fortnight, the online casino industry came up with a solution and new online casinos started taking root. These began to operate under a different business umbrella, and by doing that, rendered the transfer of money to and from them legal. A major part of this was enlisting electronic banking systems that would accept this new clarification and start doing business with me. Listed in this article are the electronic banking systems that accept players from the United States that wish to play in online casinos.

The Payment Systems You Can Use:

1, 2) MasterCard and Visa:
The most popular credit cards in the world, you can use these for depositing money into your casino account. But, please note that the casinos do not deposit your winning through your credit card. They use one of the other electronic payment systems. This is also the biggest reason why you should refrain from using your personal credit cards today for gambling.

3, 4) Visa Delta, Visa Electron:
These are debit cards that one can use to deposit cash into their casino account. By debit card, it means that the money you pay through the card, is immediately withdrawn from your bank account. This is a comfortable option, but here too, you cannot receive money into it.

5) Neteller:
Based in the UK and traded on the London AIM Stock Exchange, this e-bank company is one of the major independent electronic banking entities in the world, and it allows players to transfer money to and from an online casino.

6) Neteller Instacash
This is Neteller’s version of the Debit Card, and, in fact, it is just like any other debit card with one difference. To use, InstaCash, you have to pay a small amount. But, most casinos will offer to pay this for you, so read their regulations.

7) EcoCard
Based in the European Union, EcoCard offers a wider range of electronic banking solutions than the other e-banks. Other than the regular card and debit system, you can decide beforehand how to create a flexible financial account. Because they use a wide network of banks in Europe, transactions made through EcoCard are quick and efficient.

8) FirePay
This e-banking system is solely web-based and carries out its transactions just like a debit card. You place cash into your FirePay account, and then, you can use that money to pay or deposit into your casino account. While it will not cost you a dime to open an account, you will be charged a minimal amount each time you transfer money from your bank account to FirePay.

9) Moneybookers
All you need to open an account is an email address! This e-banking system uses transactions from your credit or debit card or your bank account to whichever company you wish to move your money to. Regulated in the UK and run by Gatcombe Park Ventures Limited, this is one of the relatively new e-finance companies that allow transferring money to online casinos.

10) eWalletXpress:
Owned and run by Navaho Networks Inc, eWalletXpress is a new electronic payment system that has been created to answer the need for US players to transfer funds to online casinos.

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11) 900Pay:
This is a completely different e-banking system. Instead of charging your bank account or your credit card, 900Pay charges your telephone bill for all your financial transactions. This is one of the fastest methods of electronic payment because you do not have to go through a long and detailed sign up process. And, if you were wondering, this does work to fund your casino account.

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**NB. Photos used are for illustration purposes. No photos are mine as far as I’m aware they are public domain or creative common images . If you own one of them and would like it removed please message me.

FOOD: Dry Rub – For That Magic Touch In Your Barbecue

FOOD: Dry Rub – For That Magic Touch In Your Barbecue

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Food: Dry Rub – For That Magic Touch In Your Barbecue
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Dry rub is a culmination of a variety of spices that can tickle your taste buds. It is not only used for seasoning your poultry or beef, but also added to invite those unconventional yet delightful flavors to vegetables, salads and casseroles. Moreover, how on earth can one avoid the spiced up sandwiches, thanks to dry rub.


Rubs are either used in their dry form or mixed up with some sort of liquid preferably oil. And if dry rub is mixed with oil it might as well be referred as wet rub or paste. Wet rub or paste for that matter brings that heavenly flavor for grilled or roasted meat. The oil simply helps the spices to stick to the respective meat furthering the roasting process.

A mixture of rubs with mustard and horseradish and the subsequent paste can be used to coat briskets prior to their long slow smoking. No wonder dry rub is an absolute must especially in barbecues. If you are arranging for a bar-b-q then make sure that you have rubs because that’s how the cuisine will become more delectable.

If you have tasted dry rub for once, you would no longer cater to chilies or pepper for that matter. It is not only hot but the hottest of all in the tinsel town of hot sauces. There are no boundaries, no limits as regards the usage of rubs. Be it the rub for marinating meat or for fish or other delicate items, you just name it. It may sound unorthodox but the fact of the matter is that rubs mixed with mustard or mayonnaise can make a sandwich doubly sumptuous. Again it goes without saying that they add an extra touch of flavor in salad dressing.

Presumably adding some rub to your sour cream or yogurt would mean a culinary shock but in reality it works wonders. Sprinkling hot rubs on baked potatoes, rice, french fries, popcorn not only makes them tastier but also shows that it doesn’t get any easier than this.

Speaking of rubs, ones that come to mind are Corky’s Dry BBQ Rub and the Jack Daniel’s BBQ Rub. The former sets any bar-b-q perk right up & is ideal for ranch salad dressing. The secret to its taste lies in its ingredients like paprika, salt, spices and garlic. While the latter is both an incredible marinade for pork, beef, chicken, seafood and also an excellent seasoning for vegetables, soups and stews. Surprisingly we find natural hickory smoke flavor, flavoring and Jac Daniel’s Black Label Whiskey amongst the ingredients other than the conventional combination of salt, sugar, spices, paprika, monosodium glutamate, onion powder and garlic powder.

Rubs are the ultimate culinary destination with its magical flavors that can transform ordinary taste to extraordinary. If you wish to pamper your appetite then you must indulge into rubs, it’s just a sprinkle away. So what are you waiting for? Run to your nearest store or login to the online stores to grab your rubs today!

**NB. Photos used are for illustration purposes. No photos are mine as far as I’m aware they are public domain or creative common images . If you own one of them and would like it removed please message me.

FOOD: Water Drink Up

FOOD: Water Drink Up

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Food: Drink Up
food

Americans are big drinkers…of water, that is. We keep bottles of water in our cars, at the office, in our gym bag and in our briefcase or purse. Travelers bring water onto planes and trains. I don’t remember what we did before bottled water became so popular, but I bet we didn’t drink as much.


Most Americans get plenty of fluids, according to a report by the Institute of Medicine (IOM), the scientific body that establishes nutrition recommendations for Americans. In fact, aiming toward a goal of eight daily glasses of water in addition to other fluids in your diet probably is not necessary.

The IOM recommends a total of about nine daily cups of fluid for women and about 13 cups for men. Keep in mind, however, that everything that we drink counts-water, milk, coffee and tea, juice and soft drinks-as do water-rich foods like fruits and vegetables. Of course, water is calorie-free, which makes it an attractive option.

“Use thirst as your guide,” advises Jo Ann Hattner, R.D., a nutrition consultant in San Francisco, Calif. “Drink when you’re thirsty and you probably will get enough fluids over the course of the day.” Hattner points out that older adults are the exception. “Older adults often don’t have a good thirst mechanism so they won’t feel thirsty even though their body needs fluids.” Be sure to drink a lot if you are physically active, live in a hot climate, or are taking a vacation to a warm and/or dry climate.

Include foods that are high in liquid to help keep your body hydrated. Start the day off with Whole Grain Total topped with milk and fresh fruit. Enjoy soup or a large salad with your lunch. Include vegetables at dinner, along with fruit for dessert. Hattner suggests being aware of the color of your urine to determine whether you’ve had enough fluids. “If it’s light in color, you’re fine. If the color is dark, then your urine may be too concentrated and you need to drink up!”

Ask Mindy

Q: Do coffee and tea count? I am a coffee drinker and was told to drink extra water since coffee makes the body lose extra fluid.

All Japanese Pass

A: Coffee and tea do count. Contrary to popular belief, coffee, tea and other caffeinated beverages are not dehydrating, though they may have a temporary diuretic effect, and do not cause the body to lose extra fluids.

**NB. Photos used are for illustration purposes. No photos are mine as far as I’m aware they are public domain or creative common images . If you own one of them and would like it removed please message me.

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