Peru, The New Colombia

Every year many thousands of people from all over the world travel to Peru to visit such spectacles as Machu Picchu, Chan Chan or the Nazca Lines, and yet they arent aware of another Peruvian marvel: coffee.

The coffee awarded as the best special coffee in the world in 2010 by the SCAA (Specialty Coffee Association of America) did not come from caffeine-famed Colombia, but rather from Peru. The coffee, called Tunki Coffee, comes from a small plot of land in Tunkimayo, a previously unheard of village in the province of Sandia, roughly 21 hours from Juliaca (near Puno, which is famous for being on the shore of Lake Titicaca).

The owner of the roughly seven and a half acres responsible for this glorious coffee is Wilson Sucaticona, a 40 year-old man of modest economic conditions and a father of three. Additionally, the farm producing Tunki Coffee is certified organic, Mr. Sucaticona is a member of the Rainforest Alliance, and he also abides by all international Fair Trade regulations.

In case you were wondering, the title of best special coffee in the world is not an easy one to come by; Tunki Coffee beat 139 other samples of coffee from some of the worlds most famous coffee producing countries, such as Colombia, Panama, Kenya, and Indonesia. In a two day taste test conducted by 30 world-renowned coffee judges, the coffee that was determined to have best united good acidity, good body, and a floral aroma was none other than the humble newcomer, Tunki Coffee, which only one year prior had won the national best coffee competition.

If you like a good cup of Joe, but youd like to try the best, you can expect to pay a pretty penny. Tunki Coffee is currently exported to the United States and the UK, and goes at around $1,000 the quintal (46 kg.) stateside, which comes to nearly $10 a pound (not including the costs of getting it to the store shelf or coffee shop). You may not be ready for such luxury in these times of financial trouble, which could be all the more reason to come to Peru where the worlds best coffee can be had for less than a dollar a cup!

Shrimp And Grits The History And Recipes

For generations, eating shrimp and grits is commonplace for people living in the Charleston, South Carolina area. Shrimp and grits is the typical breakfast for many of the Charleston area fishermen during the shrimping period, which ordinarily runs from May through December.
Grits, often served as side dish for breakfast or dinner, can also be the main course, with milk and butter. The corn-based meal has become a staple offering in diners as well as reputable restaurants for the past few years. The popular cuisine of coarse corn grains has been embellished, made over and given a new twist in a variety of ways as chefs try to make a new variation on the basic shrimp and grits recipe.
You might wonder what grits are made of. Grits, previously called ‘hominy’ is ground up corn that has been mashed, and this originated with the Native Americans from the Carolina region. Grits were used a way for Native Americans and white people to communicate in the latter part of the 16th and the beginning of the 17th centuries before people learned how to speak the same language. An important event happened in 1584, when Native Americans gave some of their grits to Sir Walter Raleigh, as well as the people who came to live in Jamestown, Virginia a few years later.
The settlers were guided in their agricultural pursuits regarding corn by the Native Americans, who were well versed in that area. Several items soon became basic food sources for the colonials, including corn and the grits produced from it. These items had been a normal part of the Native American diet for a long time.
Centuries later, in 1976, grits was declared the official state food of South Carolina, and noted for its vital contribution to the culture and the economy of South Carolina, as well as to the sustenance of the people living there. The region stretching from the Carolinas to Louisiana is now referred to as America’s ‘Grits Belt’.
To many people living in this region, a day without grits is like a day without sunshine. They hate and have no respect for pre-packaged instant grits, or quick grits. For them the only way to make real grits is the old fashioned way with stone ground grits cooked slowly. There are, however, some ways to spice up the meal such as adding shrimp. Many recipes for shrimp and grits can be found online or in regional recipe books.

Credible US Educational Financial Solutions Reviews on Making Do with Leftover 529 Money

The 529 Plan is one of the options parents have to bankroll their childrens college education. Saving up for college should begin years in advance and the balance grows by a certain percentage every year, tax-free (especially for state-sponsored plans). There might be one slight problem though what if your child decides against going to university, and has, instead opted to take elective units in community college, or has chosen to work soon after graduating from high school.

So you have all that money ready for spending; it can be bewildering to have saved so much through the years and find out the funds will not be tapped after all. You had hoped your pride and joy would enter one of the top schools, with annual tuition fees topping several tens of thousands of dollars a year. How do you put that money to good use, if it cant be used anymore for the purpose it was originally meant for? Accurate US Educational Financial solutions reviews can give you ideas on how to husband the sudden cash trove in the 529 account.

A part of you might think about withdrawing the money right away. Running the numbers with your financial adviser can raise some red flags. For one thing, you will be forced to pay a corresponding federal and state income tax according to the beneficiarys tax bracket. Account for a 10% penalty on a non-qualified withdrawals earnings, plus additional state charges, if you take the withdrawal option. However, if your child landed a scholarship, you can still withdraw up to the scholarships value without penalties.

If your child opts not to use the 529 account at all, your finance specialist can recommend changing the beneficiary to a sibling or a first cousin. No taxes will be imposed when this happens. When you change the beneficiary to another generation like your grandchild, a gift tax liability will be imposed on the original beneficiary.

Some financial experts may suggest keeping tabs on the accounts balance and the investments they are used on. However, you can consider a switch of plan if the performance is found wanting.

The money that has been sitting in the 529 account can be considered as a special fund for future purposes. Consult with some financial wellness service, such as the US Educational Financial Solutions Reviews to help you weigh your options. Read up at savingforcollege.com/questions-answers/article.php?article_id=21.

Hendren Global Group Top Facts Tips for Developing Countries with Economic Woes

As a result of the recent devastation caused by Typhoon Glenda in Southern Luzon, Philippines, consumers now face a shortage of the supply for basic goods such as chicken, vegetables, fruits. Still reeling from Super-Typhoon Yolanda in 2013, the strongest typhoon that has hit in a century or so, the country enjoys one of the highest rates of growth although it continues to experience insufficient rice harvest and plans to import rice from neighboring countries like Thailand and Vietnam.

For a country that yearly experiences havoc caused by tropical cyclones and other natural calamities, economic development must constantly take into account the effects of natural forces on the livelihood of people. Farmers may lose all the months of hard work through planting and caring for crops in a single day of strong cyclonic winds or flooding caused by incessant monsoon rains which can last for more than a week.

In spite of this reality, the government has not completely adapted to the cyclical changes in climatic patterns but instead continues to depend upon old economic policies and strategies that fail to address the fundamental problems.

Yet there are a few steps any government can implement to minimize the effects of natural calamities and to prepare the people and make them more capable of recovering in a shorter period. Let us look at these tips or principles:

1. Doing away with unsustainable farming techniques

Dependence on too much use of NPK (nitrogen-phosphate-potassium) fertilizer has led to leeching of the soil in many countries which followed the western agricultural paradigm after the last world war. More modern and scientific farming approaches which replenish all of the essential minerals in an organic manner will provide a more sustainable and healthier source of nutrition for humans.

It has been found that NPK fertilizer requires a higher investment than the more organic approach now more popularly referred to as nutritional or trophobiotic farming. The latter allows farmers and small gardeners to recover more readily from stresses experienced by plants during typhoons, floods and pest infestations.

2. Reviving the Green Revolution

Encouraging more people to go into container or backyard gardening and home livestock- raising will sustain a significant portion of their vegetable and meat supply domestically with even more healthful options compared to commercial alternatives. This will also do away with the high prices of such basic goods due to middle-men and transportation cost-add-ons.

Home-based gardens and small farms are also less prone to be affected by natural calamities as they can be housed in green houses or be planted in plastic bags and recylcled containers which can be raised during floods or moved to safer areas during storms.

3. Empowering the landless and the far-flung villages

People who have no land can still have the opportunity to establish cooperatives with others and lease or buy small farms which can compete with big farm corporations with their organically-grown produce. They can also establish links with like-minded business-people who need their products to address the problem of transporting goods.

How To Tell If You Have Bruxism

The American Dental Associations has come out and stated that cases of bruxism/teeth grinding has risen to over half the population of the United States in recent years. One can understand how this rise has happened with all the stress that people are feeling from the tough economic situations that they have to live through every day.

Of course, it is difficult to say that this amount is a reality as it is hard to tell if you do have a problem, especially when sleeping. There are a few things that you can do to check if you have a bruxism issue, though, and that is what will be discussed here.

The first thing you can do to see if you have bruxism is to find a willing partner to monitor your sleeping habits. This doesnt mean that your husband or wife needs to stay up all night, drinking coffee and watching you closely to see if you are grinding your teeth.

What it does mean is your partner should make notes on whether or not they notice you grinding your teeth while you are asleep. If your partner notices that you are starting to grind your teeth, then they can simply pay attention to how long you are grinding them, and how hard you seem to be grinding your teeth.

Another way to tell if you have bruxism is to go through the list of symptoms that are associated with this issue. One thing you will notice right off is a sore jaw when you first wake up in the morning. You might also notice that you have a headache when you first wake up, or that a couple of your teeth seem to be a bit sore.

There is also a good chance that your gums will be swollen somewhat if you were grinding your teeth exceptionally hard during the night. This is one of the only ways that you can tell if you have bruxism issues in case you do not have any one that can check on you while you are asleep at night. If you find that you do have bruxism, then you should contact your dentist, and they can point out different ways that you can ease the suffering.

Top Ten Resort Wear

Increasing travel options and access to exotic, tropical destinations has resulted in a niche market of casual, yet fashionable, resort wear apparels that invoke relaxation whilst also offering style.

Designers have been rising to the occasion by broadening their collections to include glamorous beach wear options, casual summer cover ups and chic lounge looks, even during autumn and winter seasons. The result has been an explosion of beaded kaftans, embroidered tunics, glitzy metallic bikinis, jeweled sandals, elegant tropical prints in natural, breathable fabrics, all depicting a lifestyle of relaxation, classic luxury and elegance.

This is the essence of resort wear. Clothing that is easy, yet glamorous, sexy whilst being understated, casual yet elegant, fun and flirty.

Organizing your vacation wardrobe can be trickier than you think. Limited by luggage size and weight, you have to be economic with your vacation clothing choices. Weve tried to make it easy for you with our 2007 top 10 list of resort wear must-haves to ensure that your vacation packing is a breeze.

1. A pair of lightweight, neutral tone, linen pants are essential to every vacation wardrobe and can be easily paired with a variety of tops for different looks time and again. Matched up with a brightly printed T or Kaftan they can give a sophisticated look to the most casual traveler out there.

2. A tunic cover-up for beach days, afternoons around the pool, or sun-downer cocktails at the bar.

3. A large, canvas tote handbag in a bold, tropical print will save the day when your toting beach accessories, or just mulling around local markets for a bargain or two. This season is showcasing even larger bags than last year which are just perfect for holiday shopping.

4. One well fitting bikini! Go the extra mile to find a bikini that fits to make you feel fabulous and ditch all of last years left-overs.

5. A selection of v neck, cotton ts in tropical shades are handy to throw on for coffee runs, lunch outings, or even sporting activities.

6. A flatteringly feminine skirt in a floral or botanical print that speaks to the eco consciousness of 2007 will update your wardrobe this year.

7. A pair of Bermuda shorts are easy, comfortable and a hip choice for summer casuals.

8. A pair of jeweled sandals/flip flops are casual enough for beach wear, but dressy enough to liven up casual bermudas or linens for a city outing.

9. A baby doll sundress can double up for day, or slinky evening wear if dressed up with accessories.

10. A pair of metallic, strappy heels will have you looking edgy for night time entertainment. Metallic is definitely the new black for 2007.

Resort wear is all about the fun of life. Enjoy your vacation wardrobe choices all year round and bring the sunshine into your life.

Are Home Businesses Going To Succeed in This Economy

I hear this question asked many times each week. I recently listened to an statement that was from the “Home Based Business Magazine Online” where they said It is estimated that nearly 70% of home based businesses will stay around and succeed for at least three and half years compared to 29% outside of the home based business ventures, for example a traditional offline business such as a store or a shop.

http://HomeBusiness.WealthMastermindSuccess.net

The higher success rate was due to the ability to be able to operate part time around a day job. This is a very important point.

Lets say that your are running an information product or education product from home, this has an advantage that where it allows you to let most of the technology work, the tracking, and with no packaging, it’s taken care of. It maybe a down loadable file such as audio, video or a PDF file made up as an e-book which also eliminates all of that administration whilst you can work to your own schedule.

This has a huge advantage, not only over a traditional job, but also over other businesses, as it allows you flexibility and free time. Oh and as I didn’t mention this, the others that work with me in my team all work from home too, which is awesome.

With major retail stores selling DVD’s and CD’s closing down daily around the globe, there’s one huge company who is thriving and is going to succeed in this economy, jamming their stores with people, buying Mac Books, iPods, iPhones and of course the new iPad.

Ther’e all buying these mainly to watch video, listen to audio files, download e-books.

The iPad alone sold over 300,000 in their first day of launch and one interesting point is they actually sold 250,000 copies of the e-book too on the day it opened.

With an estimated 100 million sales of the iPad this year, you can see where all of this is heading can’t you.

It’s a New Reality… Making money like in the past with old school ways is becoming increasingly more difficult.

We’re transitioning from a manual labor society to a knowledge society. People are paying for more knowledge and education than ever before on information and coaching. And it’s growing fast. e-books, advice, video, online education are all the trends and are currently the fastest growing industries in the world.

Home based businesses have more than double the chance of success in this economy than a traditional business, because it can flex around your schedule. An information business is what you can start right now with just a computer.

The bottom line is to…stop trying to make money in the past trends…it doesn’t work.

If you want to turn your knowledge into money you need to learn how to sell information products, education, advice and coaching by helping others from your knowledge, then you can market it online like so many others are doing very successfully.

Retirement Financial Planning

With financial planning you can plan your retirement. But then, what do you think that retirement financial planning is all about? Well, in simple words, retirement financial planning engages making arrangements for the needed finances that you would need post retirement. Financial planning for retirement involves a defined contribution plan or a defined benefit plan. Some of the notable examples of defined contribution plan are as follows-

1. Individual Retirement Account (IRA) 2. 401(k) 3. Roth 401(k) 4. Profit sharing plans

In general, the aforementioned plan dont allow for any withdrawals from the savings for a stipulated span of time span.

On the other hand financial planning retirement with a defined benefit plan engages retirement accounts that is set up as well as controlled by an employer. These ensure a set payout during retirement. The financial calculation is chiefly based on the tenure as well as the salary of an employee. These funds may be further categorized into cash balance plans and pensions. They may be either unfunded or funded. Social security system is a suitable example of an unfunded plan wherein the contributions take the form of FICA or the Federal insurance contributions act. Self employed people may also go in for financial retirement planning. The Simple IRAs, Simplified Employee Pension (SEP) IRA as well as 401(k) are channeled towards the self-employed section of the financial system. Some of the benefits that the self employed people can opt for include tax deferred savings and up front tax breaks.

Most Retirement Financial Planning are inclusive of life insurance and health insurance products. These plans allow net-worth individuals an affordable and quick access to the investment classes. These are inclusive of products which diversify the contribution of an investor into multiple sub classes such as bonds, cash, commodities, stocks to name a few. Estate planning involves committees and trusts which safeguard your assets as well as their distribution incase of the applicants demise. To sum up, Retirement Planning is a crucial factor that you need to take into consideration if you want to lead a financially secured life post retirement.

Vs. 6 Cylinder Suvs

Buying a new car or a used one requires research first, you want to get the best vehicle for your money and when it comes to the size of the engine and how much power is needed in your sports utility vehicle, it is good to know the difference between a 6 cylinders vs. 4 cylinders. Some things to consider when buying a car is to look at the many factors that determine power, design and fuel efficiency of the engine.

The Year, Make and Model can affect how different engines will perform

It is important to note that a 4 cylinder engine has four pistons and usually are in smaller cars for instance a Toyota Tacoma is a compact pickup truck first generation models from 1995 to 2004, two wheel drive Tacoma’s came with the 2.4L and the 2.7L four cylinder engine, while 6 cylinder engines has six pistons and are usually found on most passenger cars, vans and small trucks such as found in GMC truck V6 engine produced in 1960 to 1978 in the Chevrolet 250 cid inline 6. Theoretically the more pistons would equal more horsepower.

Is a 6 cylinder V6 engine better than a 4 cylinder engine?

The inline 6 has been replaced by the V6 engine because of its compact size and high performance engine is why it’s the best choice if you’re looking for a high power engine while still maintaining a great fuel economy for your SUV. The 4 cylinder as a straight or inline is standard in most vehicles and is considered an economy engine. Its lower emissions and fuel efficiency makes it the engine of choice for those concerned about the impact on the environment. So to determine which engine is better will depend on what you are looking for in the next automobile you purchase though more cylinders equal more power when comparing different engines.

Advances in Technology for the Modern 4 cylinder

Many had thought that 4 cylinders were short on acceleration, this is changing with Japanese auto makers building high performance SUV’s such as in the Toyota sports utility, where you have the choice of purchasing the Highlander, Rav4 and the new 2010 Toyota 4runner has a 2.7 liter four cylinder engine that produces 157 horsepower, the only difference between a modern 4 cylinder compared to a V6 is the cost, due to the advancement in performance over the last decade.

Unsecured installment loans-Get rid of financial crunches

Do you have financial predicament that creates uneasiness in your life? Moreover, if you are finding difficulty in arranging collateral to pledge against the loan money, here are unsecured installment loans for you. It would be one of the best financial solution that let you arrange the desired money to meet your fiscal qualms right within least possible time. When you are at high financial crisis and have no money to overcome your bad time, this is the finest loan approach.

Unsecured installment loans are feasible financial aid that does not bring any collateral from you. Thus, if you are incapable to pledge anything as collateral, enjoy this loan deal with ease. No collateral make the application and approval extremely simple and fast for you. There will be no hassle and risk related to collateral assessment and preparing extensive documents to fax. The amount of loan that you are allowed to access can be ranges from $1000 to $25000 with easy repayment period of 1 to 10 years. Swiftly cover your financial imbalances by paying off your emergency like meeting unexpected medical care costs, sudden car damage, paying off your phone bills, electricity bills, small home repair, education fee of your child and so on.

There are some of the eligibility criteria that are required to be met to get approved with high risk installment loans, such as:

1. The applicant should be a permanent resident of US

2. He should have a valid and active checking account

3. He should be in regular employment earning at least $1000 per month

4. Also, you should be above eighteen years or more.

5. A checking account is necessary to hold for direct online transaction.

There will be no apprehension if your credit scores are imperfect. Unsecured installment loans does not follow any credit checking process and let you enjoy the loan deal holding any type of credit scores. Thus, even if you are tagged with several bad factors like insolvency, foreclosures, bankruptcy, skipped payments, arrears, defaults and so on, you are welcome to get approve.

Swiftly get applied with unsecured installment loans with the ease of online application method. Do not leave the comfort of your home or office as internet helps you to grab the deal with affordable rates. There are numerous lenders that offer the loan deal at varied rates. Completing a single application form with let you arrange the instant money without any delay.