Wine Pick of the Week ? Zoomer Magazine | Canada's Boomer ...

Entwine Wente Vineyards Pinot Grigio
Livermore Valley, California

Crisp and clean, with enticing aromas of white and green melon with a lime lift on the refreshing finish. Very versatile with a wide range of dishes from seafood and salads to medium curries and soft cheeses. Pair with: salty cheeses, white fish, ham, and tropical fruits.

Drink: 2012-2013
Product No: 272344
Price: $14.95
Score: 87/100

Natalie MacLean?is the author of?Unquenchable: A Tipsy Search for the World?s Best Bargain Wines.?Check out more of her?wine picks?andfood pairings?at?www.nataliemaclean.com.

Source: http://www.zoomermag.com/health/food/wine-pick-of-the-week-30/49081

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Why Choosing Fashion Accessories Is An Achilles Heel For Many ...

Fashion and self-branding have a long history with humans. It dates back to the homo-sapiens of primeval period and has continued to grow since then. Only means, styles, and accessories have changed in the meanwhile and the natural tendency to differentiate oneself from the other, one tribe from another tribe, one state from another, etc., remains the same. Even people who are self-proclaimed anti-fashion activists have to concede to the fact that they have only a different perspective of fashion and nothing more than that. If one chooses not to wear something, that person possesses a different style or taste for fashion. Wearing something for the sake of tradition, values, and beliefs also comes under fashion. One may easily notice people with different religion for they posses an inherent, unique taste for style and fashion, which greatly differs from others. Even focusing on individuals in a same faction will give one an idea about the myriad ways that each person chooses to fashion oneself.

If you think fashion is only limited to apparels, shoes, handbags, watches, and other similar accessories, you are greatly mistaken. Each possession you carry tells loads about your personality and the way of keeping. This makes it necessary to carry fashion accessories in accordance with the place you visit or the persons you are going to meet. A corporate party does not demand swanky clothes, vibrant colors, or sporty accessories that you love to carry along on outings. One can not go to these meetings with headphones ear-plugged and sneakers. The appropriate fashion and style can only be decided by the place, people, occasion, and mood. And one must not ignore the importance of accessories, which appear insignificant in any way, as other people do take notice of something unsuitable or out-of fashion.

Take key chains for instance, these are always with you when you are out of home. How many times do you have to use them in front of others while you are driving, going out with friends and loved ones, or your colleague or boss? There are many instances in a single day let alone weeks or months. If you are going out on a date or dinner with colleagues, you will need to make a perfect impression for favorable outcomes. A grotesque looking, shabby leather key holder is capable of doing a great damage, while, at the same time, a nice-looking, trendy fashion accessory might just do it for you. Same applies to the accessories like business car holders, money clips, etc. While they have their own importance and objective use, they can have an immense impact on the beholders or prospects to your benefit. A trendy, stylish business card holder certainly enhances the values of cards and, ultimately, prospects.

Getting the right accessory for oneself can be a daunting task on occasions, but the people with a great taste for style and fashion know how things can be changed in their favor, subtly and effortlessly. Everyone loves to be in the attention irrespective of the place, people, and mood, and it is natural for human beings. Using fashion accessories to woo people is universally true and is a tested way to mold things in ones favor. You may visit the nearby supermarket to check out the appropriate accessories for a particular occasion or may go through various online stores, offering such accessories. The online stores have many advantages over the traditional shops and kiosks, as they display more varieties across brands and deliver the order right at your door step. This not only makes it easier for you but also saves plenty of time and energy.

Ayousbox.co.uk is on-line store for all fashion accessories. Here, you can get all Money clip Marseille, Money clip Paris, key chain Paris. We offer best price and secure on-line shopping.

http://www.ayousbox.com/accessoires/accessoires-de-mode.html

Source: http://www.articleswide.com/article/9370-Why_Choosing_Fashion_Accessories_Is_An_Achilles_Heel_For_Many.html

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Search Forex ? Blog Archive ? Currency Trading Tips And Tricks ...

Practically anyone can trade on the foreign exchange market, which focuses on major global currencies. This article can help you learn about forex trading and, it can help you start earning money in your trades.

You should make the choice as to what type of Forex trader you wish to become. If you?re trying to finish a trade in a few hours, the 15-minute and hourly charts are the charts for you. Scalpers use the five and ten minute charts in which they enter and exit in a matter of minutes.

At the end of a bad day, cut your losses and take some time to get level-headed before resuming trading. If you find yourself in these circumstances, don?t be afraid to step away for a short period to reassess your strategy.

Successful Forex trading requires a variety of analytical techniques. The three types of analysis are fundamental, sentimental, and technical. By using one instead of all three, you are not doing the best you could. As you become better, you will be able to use all three in your forex undertakings.

TIP! Never try to get revenge on the market; the market does not care about you. Forex trading, if done based on emotion, can be a quick way to lose money.

There are cons to a high leverage account. High risk accounts require more diligent research. Be aware of the risk level before signing up for an account.

Try and keep your emotions, such as greed, out of the equation when you trade Forex. Figure out your strong suit and discover your own talents. Make sure you do not include opinions. You should know your competition and go slowly ahead.

Don?t use information from other traders to place your trades ? do your own research. Many forex traders tell you all about their successful strategies, but neglect to let you in on how many losing trades they?ve had. No matter how many successful trades someone has, they can still be wrong. Follow your signals and your plan, not the other traders.

Trading excessively will diminish your credit, but will cause chaos and confusion. Not trading as much could be more fruitful than trading excessively.

TIP! Forex is about trading on a country level, not a singular marketplace. Unless the entire world suffers from a disaster, the forex market will be fine.

Choose an extensive Forex platform to be able to trade more easily. Many platforms can even allow you to do your trades on a smart phone! Being able to use these features will allow you to react more quickly and flexibly. Using a service like this can be the difference between scoring a great trade and missing it entirely.

Stop Loss Orders

Be sure to protect your account with stop loss orders. Stop loss orders act like a risk mitigator to minimize your downside. If you are caught off guard by a shifting market, you may be in for a large financial loss. Using stop loss orders protects your investments.

If you want to be successful in Forex trading, talk to other traders and follow your own judgment. Take the advice of other traders, but also make your own decisions.

TIP! In order to know when you should sell or buy, get exchange market notices. Change the settings on your software to make sure an email is sent every time a specified rate is attained.

Developing the right knowledge for trading takes time. Patience and discipline are key if you want make money and minimize your risks.

Forex is foreign currency exchange market where you earn income by trading against currency values. This can be a profitable side income, or possibly turn into a main source of money. It is crucial that you learn the ins and outs of the market before you attempt to start buying and selling.

Foreign Exchange

It?s a good idea to give yourself a break from the intensity of forex trading. Whether the break is for a few hours or days, it will help you keep your balance. In order to be more effective at trading, you should take time to away from Forex to clear your thoughts and get perspective.

TIP! Stop loss orders are important when it comes to trading forex because they limit the amount of money you can lose. It is tempting to hold tight to a losing trade in the hopes that with time the market will reverse course.

Foreign Exchange marketing holds many advantages over other investment and money making schemes. You can trade at all hours of the day. Only a minimal amount of money is required to fully take advantage of all the opportunities available to you with forex. The foreign exchange market can be accessed any time of any day.

You learned at the beginning of this article that Foreign Exchange will enable you to trade, buy, and exchange your money. With patience and time, you can turn Foreign Exchange into a source of profit.

Source: http://search-forex.com/currency-trading-tips-and-tricks-from-the-top-experts-2/

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Bill Walton: Basketball Player, Outdoor Lover, Backpacker

Source: http://www.getoutdoors.com/goblog/index.php?/archives/4566-Bill-Walton-Basketball-Player,-Outdoor-Lover,-Backpacker.html

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CREATIONS WITH KATHRYN: October Scrapbooking Classes/Kits

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October Scrapbooking Kits/Classes in Roseville This month will will be making these 2 double page Halloween layouts using the new Moonlight Paper Pack. I think this paper is so cute!!! The supply fee is only $25 and includes both double page layouts plus the Moonlight Complements and Haunted Assortments. (the cost of the 2 double page layouts without the Haunted Assortment is $20) ?Be sure to take advantage of this month's Stamp of the Month, buy $50 in product and for $5 you can get the Stamp of the Month. Check out the set http://creationswithkathryn.ctmh.com. Scaring Up Some Fun Layout:

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A Haunted Halloween Layout:

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I am offering a Bonus Layout this month with our Scholastic Paper Pack. I have also added accents from the Mini-Medley Accents Antiqued Gold item. This item is not included in the kit, but If you wish to add them to your kit the extra would be $5.95 (plus shipping and handling).Super cute for first day of school photos! You can choose either the Halloween Layout or the Scholastic Layout or both. The cost is $20.00 for the Scholastic Set.

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Books ? Hot of the Press

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I have Two dates available in the Roseville for you to choose from. ***Deadline to sign up is October 10th. If you can't make it to a class but would like a kit, please let me know and I will save one for you. When: Thursday, October 18th, Where: 617 Falcon Way, Roseville, CA 95661 (Cross street Loreto and Rocky Ridge) When: Saturday, October 20^th, Where: 617 Falcon Way, Roseville, CA 95661 (Cross street Loreto and Rocky Ridge) The cost of the kit needs to be prepaid and is nonrefundable to no-shows (no-shows will still receive the kit of course).The reason for this is supply items must be pre-ordered and pre-cut. Thanks for understanding. Please send checks to: Kathryn Martinez, 617 Falcon Way, Roseville, CA 95661 or you can PayPal as well to my account at creationswithkathryn.com but you need to pay it under the Personal Tab. If you have any questions please feel free to contact me at (916) 524-2490. You will be able to complete your layouts quickly when you bring some of your own tools. Please label all of your items with your name. Please bring the following supplies: Personal Trimmer, Twisers, Scrapbooking Adhesive of choice, foam squares for pop ups & glue dots, Scrapbooking Scissors and any other tools you feel you may need. If this is your first class, I will have what you need, please just bring the items you already have.

As always, guest are welcome and encouraged! Please contact me if you plan to bring a guest.

Look forward to meeting you all,

Kathryn Martinez

Independent Consultant

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Source: http://www.creationswithkathryn.com/2012/09/october-scrapbooking-classeskits.html

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Today's health headlines -- Sept. 25, 2012 | Seattle/LocalHealthGuide

By Stephanie Stapleton

Today?s early morning highlights from the major news organizations, including reports about a new study that details accelerating health care spending.

NPR: Romney Medicaid Remarks Raise Eyebrows

It?s not so much what Mitt Romney said about whether the government should guarantee people health care in his interview on CBS?s ?60 Minutes? Sunday that has health care policy types buzzing. It?s how that compares to what he has said before (Rovner, 9/25).

The Wall Street Journal?s Washington Wire: Romney Rebuke On Emergency Care Draws Rebuke

Mitt Romney?s comments in a CBS ?60 Minutes? interview Sunday that emergency rooms provide care to people who don?t have insurance drew a rebuke from a group representing emergency-room doctors and a jab from the Obama campaign. But the question and answer weren?t so clear (Radnofsky, 9/24).

The Associated Press: Double-Digit Premium Hikes Seen In 7 of 10 Top Medicare Drug Plans

Seniors enrolled in seven of the 10 most popular Medicare prescription drug plans will be hit with double-digit premium hikes next year if they don?t shop for a better deal, says a private firm that analyzes the highly competitive market. The report Monday by Avalere Health is a reality check on the Obama?s administration?s upbeat pronouncements. Back in August, officials had announced that the average premium for basic prescription drug coverage will stay the same in 2013, at $30 a month (9/25).

The Washington Post: Health Insurance Costs Accelerate

U.S. spending on health insurance grew at an accelerated rate in 2011, breaking a two-year trend of smaller cost increases. The culprit, a new study suggests, is not Americans seeking more treatment but rather rapid growth in the price of medical care. Spending for private health insurance surged by 4.6 percent in 2011, according to a report from the Health Care Cost Institute. That growth rate is faster than the rest of the economy and higher than the previous year, which had 3.8 percent growth (Kliff, 9/25).

Politico: Medicare Advantage Bonuses Boost Plan Quality

The Obama administration will announce later this week that the quality of private Medicare plans is on the rise, thanks to an $8 billion demonstration project that pays them bonuses for good performance. And Republicans say that same project is covering up cuts to the popular program under the federal health care law (Norman, 9/25).

USA Today: Prescription-Drug Use Drops Among Young People

Prescription-drug abuse in the USA declined last year to the lowest rate since 2002 amid federal and state crackdowns on drug-seeking patients and over-prescribing doctors (Leger, 9/25).

This article was reprinted from?kaiserhealthnews.org?with permission from the Henry J. Kaiser Family Foundation. Kaiser Health News, an editorially independent news service, is a program of the Kaiser Family Foundation, a nonpartisan health care policy research organization unaffiliated with Kaiser Permanente.

Tags: Drug Abuse, Drugs, Election, Health Costs, Health Insurance, Health-care Reform, Healthcare Reform, Insurance, Medicaid, Medical Bills, Mitt Romney, network, Obama, Out-of-Network Care, PPO, Prescription Drugs, Romney

Category: News

Source: http://mylocalhealthguide.com/2012/09/25/todays-health-headlines-sept-25-2012/

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Real Estate Investing Strategies: Rental Property (aka Landlording ...

September 24, 2012 robertjbanach Residual Income,

It?s probably the best known and most common of all real estate investing strategies. Owning a piece of real estate with the objective of earning a regular cash flow from rental income.

image/freedigitalphotos.net

?Land-lording? is a concept that developed many hundreds of years ago in Europe, where wealthy property owners, with thousands of acres of land, allowed the ?peasants? to live on that land and grow food to support their families. The peasants were expected to give the landlord a portion of their farming produce as ?rent? in return for having a place to live. The wealthy land owners controlled all of the land, and the peasants had little, if any chance of ever becoming landlords themselves. This is generally where the concept of the ?upper class? and ?lower class? came from.

In modern America?s free-enterprise system, it is much easier for the ?peasants? to become landlords themselves. Most of the landlords involved in the single family rental property market have traditionally been ?mom and pop? investors, who?ve saved their money and invested in rental houses. The rental property business in the U.S. is where a lot of folks in the ?middle class? have found a real opportunity to make their fortunes.

The rental property business is made up of two general groups: Commercial and Residential. For this article, we will be addressing the residential rental property business as practiced by the vast majority of individual real estate investors.

Residential rental properties can be individual homes, known as single family rentals (SFR?s), Duplexes, which have two units each, Triplex, with three rental units and Quadruplex or ?quad? that has four separate units. Five or more units crosses into commercial territory and is subject to a different set of rules and regulations.

The basic idea with residential rental property is to rent the property to a tenant, and in so doing, earn enough income after paying taxes, insurance and maintenance expenses to show a decent return on your investment. To achieve this objective, there are several basic fundamentals that a landlord needs to insure success.

1. Tenants who can pay the rent: This sounds obvious, but one of the true fundamentals so investing success with rental property is finding good quality tenants that will pay their rent as agreed.

Some of the best rental markets include neighborhoods near colleges and universities, where students rent properties on a regular basis while attending college. Homes located in the vicinity of popular educational institutions often rent for a premium price, with the added benefit of having mom and dad to guarantee the rent. Areas with excellent employment opportunities also have very good rental demand.

One of the biggest challenges for any landlord is to keep a good paying tenant in a rental property, and avoid vacancies. High vacancy rates can be a real problem. Usually when a property goes vacant, it will result in the loss of at least one month?s rent while the property is reconditioned and marketed to find a new tenant. Landlord screening services help property owners and managers find tenants that will be reliable. It is highly recommended that prospective tenants be screened, including a background and criminal records check.

2. Keeping Property Expenses In Check: The biggest fundamental challenge for landlords is keeping property ownership and maintenance expenses under control. This can be difficult to do because to some extent these expenses are beyond an investors ability to control.

For example, property insurance and property taxes are expenses that are determined by a third party. These two items often cost at least one month?s rent each or more. I have several rental properties and in every single case, the annual property insurance premium is at or just above the cost of one months rent. Thus one month of every twelve goes to pay the insurance.

Property taxes are an even bigger issue because the local governing body can raise property taxes on a yearly basis if they so desire. Yearly property tax increases during the early 2000?s helped trigger the downfall of many landlords who could not afford to pay their mortgages when property taxes became too high. In states like Florida, high property taxes helped trigger the housing collapse after thousands of landlords lost their ability to earn a positive cash flow on their rental houses. Rental homes located in cities can be subject to both city and county property taxes. Those tax rates can cost as much as two or even three months rent.

3. Keeping property maintained: Keeping a rental property in good working condition is an important part of being able to manage a successful investment. Even if a tenant does pay on time, the amount of wear and tear that they subject a property to can cost the landlord thousands of dollars. This is why number 1 is so important. Good tenants won?t do much damage. Bad tenants can cause thousands of dollars in property repairs.

4. Keeping mortgage costs as low as possible: Is a big key to helping manage the costs of owning rental property. And you might think this would be obvious, but one of the most common mistakes I?ve seen over the years is a newbie landlord failing to make sure that the rental income would be high enough to pay the mortgage, taxes, insurance and maintenance.

In recent years it has been even more difficult to raise rental rates since the 2008 meltdown. With unemployment at record levels, and average yearly income falling, many landlords admit that they have had to reduce their rent rates to find or keep good tenants. I?ve experienced this myself. We?ve elected to appeal tax assessments and look more closely at other costs to help insure that we continue to earn a positive cash flow on our properties.

For all of it?s challenges, earning passive income while owning an asset that someone else is paying for is still one of the best ways for a ?peasant? to move from the ?lower class? to the ?middle class?. And if you are really good at it, you still have a genuine opportunity to become wealthy and move into the ?upper class?.
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Donna S. Robinson is a real estate investor, author, speaker and investing coach in Atlanta, GA. Follow her on twitter at donnaconsults, and read her blog at www.RealtyBizConsulting.com

Article source: http://realtybiznews.com/real-estate-investing-strategies-rental-property-a-k-a-landlording/98715702/

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Source: http://residualrx.com/2012/09/24/real-estate-investing-strategies-rental-property-aka-landlording/

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