Saturday, September 30, 2006

Drink an apple a day to keep the doctor away

By Gary Regan

"Here you go, Professor. Straight from the orchard," says John, a farmer from Sonoma who just placed a huge basket of apples on our cocktailian bartender's stretch of mahogany.

"Wow, John. They look great. For me?" the Professor asks.

"Yep. Figured we might do a little bartering, my friend. I'm in the mood for a cocktail or three."

"You got a deal, John. I'll split the apples with the Boss. He can buy the liquor, and I'll put the sweat equity into the deal. Oh, and do I have the drink for you. Autumn Apple, it's called. Another masterpiece from Scott Beattie at Cyrus in Healdsburg. That's your neck of the woods, right?"

"Not too far away, Professor. I know Scott pretty well. He claims not to be the sort of bartender who dances on bars, but it's said he can hang loose with the best of them..."

The Professor smiles knowingly, and assembles the drink.

The Autumn Apple cocktail calls for Germain-Robin apple brandy as its base, and this product, made in Ukiah, is a very fine aged brandy that's been hailed as being comparable to, and even better than, some bottlings of Calvados, the revered apple brandy made in the Normandy region of France.

The Clear Creek distillery in Portland, Ore., also makes a fine American apple brandy -- Eau de Vie de Pomme -- that's aged in Limousin oak, the same wood usually used to age both Calvados and Cognac.

Laird & Company, an East Coast distiller and importer that's been owned by the same family since 1780, also makes apple brandy. Their 12-year-old bottling is a very fine product that's suitable for postprandial sipping, as are both the Germain-Robin and Clear Creek brandies.

Laird's also issues a fine 100-proof apple brandy that's less expensive than their 12-year-old, as well as an applejack, a blended product that's very inexpensive, and ideal for cocktailian usage.

The Boss arrives at the bar just as the Professor sets the Autumn Apple cocktail down in front of John.

"Hi, Boss. You just bought this drink for John in exchange for half the apples in this basket. Care to have one for yourself?"

The Boss rolls his eyes. "I guess so, Professor. Have I bought anything else while I've been out?"

"Nope. Not today, Boss," The Professor grins and goes about making another drink. He shakes the cocktail thoroughly, and presents it to his employer.

"Thanks, Professor. Oh, and I forgot to mention that you're tending bar at a charity function on Saturday night. Figured you wouldn't mind. I gave them some booze, so I reckon that you can put up the sweat equity."

"But I have a date..."

"Your date will understand, Professor. It's a done deal, I'm afraid."

The Boss turns, and heads toward the office. The Professor hears him mumble something under his breath.

"Did you hear what he said, John?"

"Something about 'How d'ya like them apples,' I think, Professor."


Autumn Apple

Adapted from a recipe by Scott Beattie, bar manager at Cyrus, in Healdsburg. At the restaurant, this drink is garnished with a Pink Lady apple chip that's sprinkled with cinnamon. We have substituted a lemon twist for ease of preparation.

INGREDIENTS:

1 ounce Germain-Robin apple brandy

1 ounce Gravenstein apple juice

1 ounce Sonoma Sparkler Apple Cider, or Martinelli's Sparkling Cider

1/2 ounce fresh lemon juice

1/2 ounce Ginger Simple Syrup (see recipe)

1 lemon twist, for garnish

INSTRUCTIONS:

Fill a cocktail shaker two-thirds full of ice and add the brandy, apple juice, apple cider, lemon juice and simple syrup. Shake for approximately 15 seconds, and strain into a chilled cocktail glass. Add the garnish.

Makes 1 drink


Ginger Simple Syrup

Adapted from a recipe by Scott Beattie, bar manager at Cyrus, Healdsburg.

INGREDIENTS:

1 cup granulated sugar

1 cup water

1 5- to 6-inch gingerroot, peeled and sliced into thin medallions

INSTRUCTIONS:

Put sugar, water and ginger in a saucepan. Bring to boil and simmer for 5 minutes. Let cool, rest for one hour. Strain before using.

Gary Regan is the author of "The Joy of Mixology: The Consummate Guide to the Bartender's Craft" and other books. E-mail him at wine@sfchronicle.com.

Friday, September 29, 2006

How to Earn Extra Retirement Income

By Milos Pesic

Retiring doesn’t necessarily mean you’re totally going to depend on your pension check. Although you’re past the prime of life, it does not mean that it’s too late to start investing as well.

Let’s face it, daily expenses won’t stop coming upon retirement, it maybe reduced in some ways, but sometimes it can also be increased due to frequent travels and relaxations and to even personal things acquired for the satisfaction of the word “retirement”.

Of course none of these things is bad at all; it’s been what you’ve been dedicatedly working for all your life, to reap of the fruits of retirement.

However, it can also be the time for investing. With some simple financial planning on how to earn extra retirement income, a retiree can invest for the future, for them or for their children. How to earn extra retirement income will need some steps to follow, starting with setting of goals.

Setting goals is all about evaluating spending and income, and deciding on what you’ll need to do to boost your income to meet the goals. Do away with tapping you 401 (k) plan and other tax-deductible retirement accounts, and consider starting your own small business or getting a part-time job to meet the expenses, it might be fun.

How to earn extra retirement income is also about throttling back on risk. Even though you might be enticed to invest heavily in high-risk stocks, resist. Put a fraction of your pooled money in such stocks no more than ten percent to twenty percent, depending on your taste for risk.

Put a bigger percentage of your selection in tax-exempt bonds and other lower-risk stocks. A number of consultants recommend to keep at least forty per cent in bonds or bond funds after retirement, which is also one way of how to earn extra retirement income.

Think about selling your home and moving to a retirement community, profits from the home sale can be invested to help fund for your retirement, or consider a reverse mortgage if you decide to keep your house. Look around for reverse mortgage.

Take benefit from investing brochures, stock analyses, personal-finance magazines, and other resources that can be availed of online and at the local library. A lot of libraries carry Morningstar assessments for mutual funds.

A website that offers free tips on protecting oneself from scams is the American Association of Retired persons (AARP), and some senior centers from time to time host free-low cost investment seminars.

Another good initiative is to start estate planning and deciding on how to distribute your assets after death. A lot of experts say that to maintain a current lifestyle in retirement, seventy percent of your pre-retirement income is needed.

Milos Pesic is a successful webmaster and owner of popular and comprehensive Retirement information site. For more articles and resources on Retirement related topics, Retirement Plans, Retirement Communities, Individual Retirement Accounts and more visit his site at:

=>http://www.retirement.need-to-know.com

Thursday, September 28, 2006

Develop a Prosperity Consciousness

from

Enhance your Personal Success

The starting point of all riches is the development of a prosperity consciousness. You must become a financial success in your thinking long before you achieve it in your reality.

Both poverty and riches are the result of a state of mind, and the most important single step you ever take on the road to wealth and financial independence is the decision to change your thinking, to impress into your mind an unshakable belief that you can and will achieve your financial goals. This must happen before anything else happens.

Think And Grow Rich
When I was growing up, I was fascinated by stories of successful men and women and how they made and lost their fortunes, and then made them over again. I read about the importance of a prosperity consciousness in the book, Think And Grow Rich, by Napoleon Hill, several times.

But I never fully understood what it meant until about five years ago. Then it hit me and I've never been quite the same since. Every aspect of my life has improved dramatically, especially in the area of accumulating wealth, since I finally understood what it meant by a prosperity consciousness.

Two Great Discoveries
Here are two of the most exciting principles ever discovered in the long search by mankind for the secrets of health, happiness and great personal wealth.

All Causation Is Mental
The first principle is this. All causation is mental. All causation is mental. That means that everything that you are or ever will be will be as a result of how you use your mind. You are merely a mind with a body to carry it around with.


The entire man made world that you see is simply an expression of thought. Your entire life is an expression of your own thinking. And since the quality of your thinking determines the quality of your life, if you improve the quality of your thinking, you must, you will, inevitably improve the quality of your life.

The Law of Expectations
The second principle is what we call the law of expectations. This law says that whatever you expect with confidence, positive or negative, becomes your reality.

If you confidently expect to succeed, if you confidently expect to learn something from every experience, if you confidently expect to become wealthy as a result of applying your talents and abilities to your opportunities and you maintain that attitude of confident expectations long enough, it will become your reality.

It will give you a positive optimistic cheerful attitude that will cause people to want to help you, and will cause things to happen the way you want them to happen.

Action Steps
Here are two things you can do immediately to practice these principles in your day to day life:

First, start thinking today in a positive, optimistic, confident way about personal and financial success. Continually imagine what differences it would make in your life if you were financially independent. This is the starting point of developing a prosperity consciousness.

Second, develop your own attitude of positive expectations. Look for the good in every situation. Look for the valuable lesson in every setback or difficulty. Be positive and cheerful about everything that happens and you will be amazed at the difference it makes in your life.

Wednesday, September 27, 2006

Start a Business in 10 Minutes a Day

http://www.entrepreneur.com/magazine/entrepreneur/2006/september/166060.html

Tuesday, September 26, 2006

Unexpected value and lively flavors give diners a reason to explore white Burgundies


Sept. 25)
- Burgundies, both red and white, are among the finest wines in the world. Made from two noble grape varieties — Pinot Noir for the red, Chardonnay for the white — they are restaurant-friendly because they accompany a variety of foods well.

Yet some customers won’t look at the Burgundy section of the wine list because they think all Burgundies are expensive. Yes, prestigious white Burgundy wines are expensive, but isn’t that true of the top wines from most regions?

First of all, a word about vintages. With moderately priced white Burgundies, fresh is best. We’d recommend white Burgundies from 2005, 2004 or 2002 — no older. We’d completely avoid 2003, a very hot vintage that generally produced miserable white Burgundies, though some 2003 red Burgundies can be quite good.

Values in white wine come from all districts of Burgundy except the Côte de Nuits, which produces mainly red wines. That’s plenty of territory: from north to south, Chablis, the Côte de Beaune, the Côte Chalonnaise and the Mâcon district. The largest category of moderately priced white Burgundies carries the simple appellation “Bourgogne Blanc.”

Often the label will include “Chardonnay,” as well. Although, theoretically, grapes for Bourgogne Blanc can be sourced from anywhere in Burgundy, most come from vineyards in the Côte de Beaune or Côte Chalonnaise.

Wholesale prices for most Bourgogne Blancs range from $96 to $144 per case of 12. A lively, fresh Bourgogne Blanc can be one of the best buys in the wine world.

White wines carrying the “Mâcon” or “Mâcon-Villages” appellation also can be excellent values.

Burgundies from that district tend to be a bit fuller and more minerally than Bourgogne Blancs, but they are in the same price range. Often, Mâcon-Villages wines specify a particular village. One of our favorite Mâcon whites is Saint-Véran. It’s slightly more expensive than Mâcon-Villages whites, but has more character.

A new appellation to look for in the Mâcon district is Viré-Clessé, similar to Saint-Véran. The best-known Mâcon white wine, Pouilly-Fuissé, is usually aged in oak, and can be twice the price of other Mâcon white wines.

Probably the least-known white Burgundies come from the Chalonnaise district. Five villages in this district produce white wines: Bouzeron, Rully, Mercurey, Givry and Montagny.

Only a little bit of Mercurey Blanc and Givry Blanc is produced. Mercurey is generally the better of the two. Rully Blancs are easier to find. They are quite earthy, a bit rustic and full-bodied. Wholesale prices range from $180 to $256 per case of 12.

Montagny Burgundies, all white, are the least-expensive and lightest-bodied of the Chalonnaise wines — available as low as $108 per case. Bouzeron is a special case; the acclaimed grape variety here is not Chardonnay or Pinot Noir, but the white Aligoté.


Bouzeron Aligoté is an ideal aperitif wine. It positively zings with lively acidity. And the price is right: $144 per case for excellent producers’ Aligoté wines.

A personal favorite among white Burgundies is Chablis, which goes well with light-flavored fish. If you limit your selections to basic Chablis or single-vineyard Chablis wines you can find some choices from $160 to $180, per case of 12.

Monday, September 25, 2006

Data Entry Jobs Uncovered: The Truth about Data Entry

By: Vijaya Kumar

Traditional data entry requires one to either copy-paste certain text over and over again, continue to fill out simple forms, or something along those lines. It requires simple work that does not require much thinking, but rather a lot of repetitive tasks. You usually will not be asked for your opinions as you are in surveys or asked to "Tell Us What You Think".

Data Entry jobs are plain and simple manual labor jobs. Hence, there are some people who will not mind doing them and can earn a lot of money quickly, while others will be miserable doing data entry. It is not for everyone.

New Trend in Click Bank Product Data Entry Jobs

Recently, there has been a growing trend in using click bank to find and advertise data entry programs. These programs say that they will teach people how to make money through data entry, and as a result, many people visit these web sites looking to learn more about the business. Those new to data entry are especially likely to visit and even purchase the products advertised.

Click Bank Data Entry Truth

Click Bank data entry jobs are usually e-Books or other materials that tell you how you can make money using AdWords and selling affiliate links to Click Bank products. Not only are these programs misleading as you actually do not make money for the data entry, you only get money if you sell a product, these programs are also fraud and contain false information.

They claim that after purchasing the e-Books there are no more expenses; however, you will have to pay AdWords hundreds or thousands of dollars to advertise. Hence it is recommended to stay away from Click Bank data entry jobs.

Finding a Reliable Data Entry Job

The key is to find an honest and reliable freelancing or part time / full time data entry job. This will take some time but we will outline some of the best ways to secure long term high paying data entry jobs and where they can be found.

Webmaster forums are a great place to look for online data entry jobs. Many webmasters are constantly looking to save time by hiring other people to do manual labor so they can focus and advertising and updating their web site. Hence, there is a huge demand for data entry and freelancing jobs for webmasters and many are able to make thousands each month through data entry for webmasters alone.

It can be difficult to track down webmasters, so visiting webmaster forums with large marketplaces can help you find jobs and advertise your services. Some of the largest and most popular forums with active marketplaces are Digital Point and Site Point. Note: There is a charge of $10 to $20 to advertise your Service at the Site Point forums.

Digital Point Forums, which are equally active, are free.

Craig's List is also a great place to find data entry job. Craig's List has grown to become the largest online classified web site on the Internet and although they focus and buying and selling goods in every state and many countries world wide, they also have a section for "Writing Gigs" where a few people are always looking for someone to do a data entry job.

Other job sites such as Yahoo! Hot Jobs or Monster are also good places to find a data entry job in your area.

Finally, there are some organizations that need a lot of data entry done and you can visit their web sites and sign up for their programs to have a constant stream of work and revenue. These are usually the most stable way to make money through data entry jobs, but to be successful with these programs you need to insure that you are signing up with a reliable program so that you do not get scammed.

How Can You Protect Yourself from Scammers

Many people who purchase the click bank data entry product fail and give up with data entry jobs. It takes some time to realize that they were actually scammed and lost their time and money. Do not let this happen to you. There are scammers in every industry so it is important that you do your research and stay away from scam programs.

Search Engines are the best way to protect yourself from scammers. There are billions of web sites on the Internet today and thousands of them contain unbiased reviews of data entry programs. You can use search engines to find this information quickly to insure that you are not being scammed and to find the program that is best for you based on real user views and experiences.

Forums are also a great place to find this information. Finally, to be sure that your information is unbiased and accurate, be sure to double check the program you selected with the BBB or Better Business Bureau that has official information and customer praise/complaints about most businesses.

There is a lot of potential to earn a high income using data entry jobs. There are always people who are looking for data entry services, the key is to finding jobs and making sure that the jobs you find are not run by scammers so you won't waste your time and money. This article contains a lot of useful information that should assist you greatly in making money online and being successful through data entry jobs.

Be sure to visit some of the web sites that were mentioned as they contain a lot of very useful information and can help you earn a lot more money.

Data entry is one of the best ways to make money from home online, but like everything else, be sure to do your homework and put in the effort required.

About the author

Vijaya Kumar is an online business entrepreneur with 5+ years experience. He currently administrates several successful websites including http://www.makemoneyfromonlinejobs.com/ and http://www.bestonlinejobs4u.com/ which provides a scam-free database of online money making opportunities.

Friday, September 22, 2006

Why $1.15 gas isn’t a fantasy

Sure, it sounds far-fetched, but the pieces are starting to fall into place for what could be a dramatic drop in oil prices over the next few years.

Remember when you paid $1.15 a gallon for gasoline?

You could be paying it again. Maybe not this year, but perhaps in the next few years.

Sure, oil experts say there's little excess refining capacity. Oil reserves are stretched. Oil consumption is soaring in China and India.

But things are starting to change. Drivers are changing their habits. Global tensions are easing, and more supply is on its way.


Crude oil zoomed to nearly $80 a barrel this summer as traders fretted about waning supplies and two big potential problems: tensions over
Iran's nuclear research program and Katrina-style hurricanes threatening oil production in the Gulf of Mexico.


To keep prices moving ever higher, traders needed -- and frequently got -- a steady stream of bad news. "It was like you needed a fifth of booze a day to keep the buzz going," says Peter Beutel of Cameron Hanover, a
Connecticut energy consulting firm.


But prices began falling a month ago when it became clear hurricane season wouldn't be anything like last year. Oil traders have come to sense, too, that all the saber rattling over
Iran was dissipating. "We got everyone leaning the wrong way," Beutel said.

(In fact, a big hedge fund was forced to tell its investors this week that it would be taking a huge loss because it bet the wrong way on natural gas.)


Result: The spot price of crude oil closed at $63.23 a barrel in
New York on Thursday, down nearly 18% from a peak of $77.03 a barrel on July 14. Crude rallied slightly on Friday and Monday.

AAA says the national average price of gasoline is $2.495 a gallon, down nearly 17% from peaks in August, and there are some communities in Missouri where it has fallen under $2 a gallon. Prices should moderate further in the coming weeks because the summer driving season is over.

The oil price break has forced everyone in the energy business to take a hard look at how much lower prices could fall. A lot lower, says Philip Verleger, a noted energy consultant who was a lone voice several years ago in warning that oil prices would soar. Indeed, he told McClatchy Newspapers last week, "All the hurricane flags are flying" in oil markets.

If everything falls into place, crude could drop perhaps even to $15 a barrel, Verleger says. And then, he says, you would see gasoline at $1.15.


Here's how that could occur:-

Oil and gasoline inventories continue to grow. They've been building up all over the world as users and refiners have scrambled to ensure enough supply in case, say, the Strait of Hormuz in the Persian Gulf is shut down. Tankers from Iran, Saudi Arabia, Kuwait, Iraq and other Gulf oil producing countries must pass through the strait to bring crude oil to the rest of the world.

  • The weather cooperates. On top of a hurricane with few threats to the oil and gas fields in the Gulf of Mexico, weather cooperation means a warm winter like the winter of 2005-2006. That would drop demand for heating oil, a key heating source especially on the East Coast and in Europe. And that would create excess supplies of crude that refiners could use to make gasoline.
  • Tensions in the Middle East continue to ease. This assumes conflicts between Israel and Hezbollah in Lebanon tail off and that Iran and the rest of the world come to an agreement over Iran's nuclear program. (Admittedly, the latter is a reason why the scenario could fall apart.)
  • Drivers take the bus. There is anecdotal evidence that U.S. drivers are finding other ways to get around with gas prices above $3. The big question is if they will climb back behind the wheel as prices drop.

Those four pieces are just the start. Beutel thinks two more catalysts are starting to emerge.

1. At current prices, Beutel says, "you can drill a lot of dry holes before you give up on a field." And so, drawn by the potentially huge profits, energy companies are finally starting to make plans to drill for more oil.

Example: the Jack 2 field in the Gulf of Mexico now being developed by Chevron (CVX, news, msgs), Devon Energy (DVN, news, msgs) and Norway's Statoil (STO, news, msgs). While the field is 7,000 feet under water and another 20,000 feet under the ocean floor, it's also huge. One report suggested it could boost current U.S. reserves by 50%.

Cambridge Energy Research Associates says some 360 additional drilling projects are now under way and global supplies could grow by some 25% by 2015.

2. Beutel thinks buyers are already demanding more fuel-efficient vehicles. "They're not buying SUVs," he says.

Not now anyway. But don’t write the Hummer’s obituary just yet. Beutel thinks that, at some point, prices will drop so low that Americans will get complacent and start driving big gas-guzzlers again. And the cycle will turn.

-- Charley Blaine

Avoid Being Scammed With Online Work At Home Opportunities

By: Vijaya Kumar

Working at home online is expanding rapidly as is the Internet. There are thousands of options for net entrepreneurs who make money through creating web sites, offering web services, or selling products online. The market has expanded rapidly over the past few years as the Internet has grown and there is something that everyone will be interested in and profit from.

What Are Scams

Unfortunately, there are a number of people on the Internet that are out to scam you and take your money without giving you any value or what they promised. This is a real threat that prevents many people from pursuing creating an online business but is one thing that you should not let bother you.

The key is to be careful with whom you deal with online and to do your homework before you make a purchase. The key is to identify the scams before you spend any money.

How to Identify the Fraudsters

Identifying the scams is very easy. You just need to make sure you get a number of unbiased reviews on the company or individual you are dealing with. A great way to get this information is to search the web on the company you are looking to make a purchase from and check what other users are saying about them.

Make sure you are getting these reviews from an unbiased 3rd party or your information will be incorrect which could lead you directly into a trap. Use Google or Yahoo! to get the information you need quickly and for free.

You should also be sure to check the latest reviews on forums as they are the best place to get multiple reviews quickly.

Identifying scams will only take you a few minutes and could save you hundreds or even thousands of dollars annually. Pretty soon, you will be able to identify the scams and help others save their time and money.

Places to Report Scammers

When you do read about somebody getting scammed or get scammed yourself, get back at the company and protect others by reporting them. You can report them to the FTC, Federal Trade Commission, so that they can deal with the matter legally, but be sure to visit forums and other online communities with users who may be interested in the product that the scammers offer and are subject to their trap to warn them about the scam so that they can save their time and money.

After all, others are doing the same thing for you so you might as well return the favor. Reporting the company to the BBB or Better Business Bureau is also a good option. Just be sure to let others know of your experience.

Getting Refund from Scammers

If you do get scammed by scammers, be sure to get your money back. One good thing about online payments is that you do not have to use cash to buy products, but rather, must go through a third party payment gateway such as PayPal or eGold among others. These systems are well aware of the scams and do everything in their power to get the money to its rightful owner.

So, if you have been scammed by someone online, be sure to make every attempt to get your money back. Contact your payment gateway support team or credit card issuing bank, tell them about your situation and open a dispute. They will take the time to look into the matter to assure that the rightful owner is awarded the money that they lost.

Legitimate Ways to Find Genuine Work At Home Jobs

There are legitimate ways to make money online, just be sure that you do not fall into any sort of trap. Always deal with reputable companies over other unknown programs and be sure to be very careful in what your purchase and who you purchase it from.

To avoid scams, put the time that is required to research the company you are dealing with and be sure to get multiple opinions from multiple unbiased sources so that you can be sure you are not getting scammed. Also, check the BBB, Better Business Bureau, records to get official information about the company you are dealing with.

If you are dealing with an individual, be cautious and make sure that they have a good reputation as you will not be able to find many reviews or anything in the BBB or another official resource.

Last but not least - Do your homework and you will be fine in your online endeavors.

About the author

Vijaya Kumar is an online business entrepreneur with 5+ years experience. He currently administrates several successful websites including http://www.makemoneyfromonlinejobs.com/ and http://www.bestonlinejobs4u.com/ which provides a scam-free database of online money making opportunities.

Thursday, September 21, 2006

Patrons take drinks with a grain of salt

Patrons take drinks with a grain of salt, or sugar, as bars experiment with glass garnishing

by Gary Regan

(Sept. 18) - I always order my margaritas "without salt, please," and I'm not a fan of sugar on the rim of my sidecar glass, either, but there are people who would never drink either of these classics without that extra burst of flavor that these edible, lickable garnishes bring to the experience.

And although I don't prefer "rimmed" glasses, I still have a few opinions about how sugar, salt or any other ingredient should be applied.

First of all, the dry ingredient should grace only the outside of the rim. If the bartender dips the whole top of the glass into a tray of salt — as is the case at many bars — the salt ends up on both the interior and the exterior of the rim. Ultimately the salt on the inside falls into the drink, becoming an undesirable added ingredient.

Far better, then, for the top of the outside of the glass to be simply rolled in the salt after it's been moistened, usually with a wedge of lemon or lime. And the granulated garnish doesn't necessarily have to surround the entire rim on the glass.

Sure, it's fairly easy for bartenders to ask their customers whether or not they want salt on their margarita glass, but when business is brisk, or when servers are ordering drinks for a table full of people, this kind of detail can often be overlooked. The simple solution:

Just coat half of the rim of the glass with salt, sugar or whatever, leaving the other half naked, so customers can choose for themselves which side of the glass to drink from.

"Rimming" glasses is far from a new phenomenon — it dates back at least to the earliest of cocktail books when the Brandy Crusta, a drink that had a formula pretty close to that of a sidecar, was detailed in the mid-1800s — but the sort of ingredients that have started to make their way to the edges of cocktail glasses recently are highlighting some very innovative thinking on the part of today's bartenders.

Take the Latina cocktail, for instance. Created by Ariana Johnson, owner and bartender of the Modus Supper Club in San Diego, the Latina calls for tequila, triple sec and fresh passion fruit, and it's served in a glass rimmed with a mixture of cayenne pepper and granulated sugar. Johnson says that she was inspired to make the drink after she tasted a spicy Mexican candy, and she named it "Latina" because of its "spice and passion."

Toasted nuts are the order of the day for Mike Mraz, a finalist in this year's Sherry Cocktail competition who works at Hearth, a restaurant in Manhattan's East Village. Mraz mixes up some fino sherry with orange juice, simple syrup, and tonic water, and strains the cocktail into a glass rimmed with toasted almonds.

At Andina, a Peruvian restaurant in Portland, Ore., bartender Greg Hoitsma uses a glass with a cardamom-sugar rim to present his Ron-Yki-On, a drink made with roasted-ginger-infused rum, grapefruit juice, lime juice and cane sugar.

And David Touye, bartender at Restaurant Gary Danko in San Francisco, uses lavender-scented sugar to accent the glass when he makes his Under the Mexican Sun cocktail. This drink is a variation on the margarita and calls for lavender- flavored simple syrup in addition to tequila, orange-flavored liqueur and fresh lime juice.

The possibilities are endless when it comes to coming up with new ingredients to use as a rimming agent on a cocktail glass, and there's little doubt that customers are intrigued by such unexpected touches.

E-mail the author at: gary@ardentspirits.com

Wednesday, September 20, 2006

The Causes of Money

from

Enhancing your Financial Success

Never Worry About Money Again

You must aim to reach the point where you have enough money so that you never have to worry about money again. The good news is that financial independence is easier to achieve today than it has ever been before. We live in the richest country at the richest time in all of human history.

We are surrounded by more wealth and affluence than ever before. Your job is to get your fair share.

Financial Success Is Not An Accident

The Law of Cause and Effect applies to money as much as to any other subject. This law says that financial success is an effect. As such, it proceeds from certain, specific causes. When you identify these causes and implement them in your own life and activities, you will get the same effects that hundreds of thousands, and even millions of others have gotten.

You can achieve whatever level of affluence you really want if you will just do what others have done before you to achieve the same results. And if you don’t, you won’t. It is as simple as that.

Your Beliefs Determine Your Success

There is perhaps no other area where universal laws are more in evidence than in the acquiring and keeping of money. In America today, there are several million men and women who have started with nothing, or deeply in debt, and achieved financial independence. Their attitudes and behaviors have been studied in great depth.

We now know the keys to wealth creation better than ever before. And what we know is that your most cherished beliefs on the subject of money will be the primary determinants of how much you acquire and how much you keep over the course of your working lifetime.

Your Primary Aim in Life

Your primary aim in life should be the achievement of your own happiness. However, happiness is something that exists naturally in the absence of fears, doubts and negative emotions. One of the factors that most deprives you of happiness is worry about money. And, by the way, when we talk about money worries, we’re not referring to your having too much.

The problem is virtually always that people feel that they have too little money and their lives are suffering as a result.

Build a Financial Fortress
Perhaps the greatest single fear, the one that causes you more distress and unhappiness than anything else, is the fear of failure. In the area of money, you experience this as the fear of poverty and the fear of loss. Since one of the deepest needs of human nature is security, any threat to your security, real or imaginary, can cause you tremendous stress.

You can only free yourself from the fears of poverty and failure by achieving a specific level of financial worth and then by building a fortress around it so that you are safe and impregnable. This achievement of financial independence is a key responsibility of adult life. No one else will do it for you.

Action Exercises
Here are two things you can do immediately to implement the Law of Cause and Effect in your financial life:

First, begin today to implement the causes of financial success in our society. This requires that you spend less, save more, invest carefully and strive toward financial independence.

Second, study other people who are financially successful who have started from little or nothing. Find out what they did to become financially independent and discipline yourself to do the same things.

Tuesday, September 19, 2006

Fortune’s Fools: Why the Rich Go Broke

http://www.nytimes.com/2006/09/17/business/yourmoney/17broke.html?ex=1158724800&en=f07731b7a43598ea&ei=5087%0A

Monday, September 18, 2006

Genuine Work At Home Opportunities

Genuine Work At Home Opportunities So You Can Quit Your Day Job

By: Arun Kumar

Although, many may be skeptical about how one can make money online, there are a few options that one looking to work online can choose from.

Freelancing as a writer or programmer and designer can often earn one tens of thousands of dollars annually, especially if you are well trained and have the skills and the marketing "know how" so that you can constantly find clients.


Affiliate programs where you are paid to promote the products of many companies are also another great way to earn money online. Obviously, if you can create your own product and promote it, that would be the ideal situation as you would be able to keep all revenue that you earn rather than just 10% or 20% of the total sale value.

Still, the most popular way that those who work online are earning a stable income is through the creation of web sites and the sale of advertisement space and the use of programs such as Google AdSense or the Yahoo Publisher network.

CONTEXT FREELANCING

For those who have worked to hone their skills in writing or web site design and creation, freelancing is probably the best online job opportunity. It allows them to run all aspects of their business from finding clients, completing the work, and/or subcontracting the work.

Although this may be more work than if you worked in a team with a group of people, as a solo freelancer, you keep all of the money you make, rather than splitting it among the members/employees of your company. There are a numbers of freelance opportunities available today.

Content Writing

If you love to write and have strong writing skills, you should seriously consider offering a content writing service where you provide articles for magazines and web sites to publish.

Forum Posting

Forum posting is also another option. It involves contacting the owner of a new forum and to see if they are willing to pay for posts to help get their forum off the ground and boost activity. The best way to get a steady job forum posting is to visit webmaster forums where many of these owners are often searching for posters.

Webmaster forums are also a great place to find content writing jobs, but there are many other web sites that offer an up to date list of the latest content writing opportunities and thus these sites should be utilized as well. A content writer or forum poster who puts the time required to be successful into working can earn up to six figures annually.

Article Submission Service

Article Submission and Directory Submission is also a way that many freelancers can earn some extra money on the side. It involves submitting a web site to numerous web directories or submitting an article to many article directories. The purpose of this service is to help webmasters gain links to their web site.

Link Building Service

Direct link building is a great way that those who either own a large network of web sites or know someone who does can earn thousands online. Link building requires one to obtain back links to their client's web sites on other 3rd part sites. Link builders are usually paid at a flat rate per link that they secure and payment can range from $2-$10 a link and beyond.

Web design and Programming

Finally, for those who are familiar with web site design and programming, freelancers in the web site creation industry can get paid anywhere from $500 to $10,000 and more for a project depending on the amount of work required.

This is one of the most lucrative online opportunities available, but to be successful, you will need to get the proper training so that clients are satisfied with your work and you are hired to take on larger, better compensating projects.

AFFILIATE MARKETING

Affiliate programs are another very popular way to make money online. One can create a web site and put utilize space on their web site by advertising a certain product. The advertisement will be a link to an eStore where the product is being sold, and if an affiliate is able to drive a customer to the eStore, the owner of the eStore will pay the affiliate a certain percentage of the sale.

Many major companies, such as eBay, Sears, Wal-Mart, and hundreds of others that sell products online have affiliate programs.

To sign up for one of these programs, you should visit and sign up with Click Bank and Commission Junction. These are the two web sites that most companies who have affiliate programs use to keep track of earnings, and to be able to participate in affiliate programs, you will have to be a member of one of these two web sites.

Recently, many affiliates are using pay per click advertising program such as Google AdWords where they pay a certain amount of money for each visitor who clicks on the advertisement. The advertisement is an affiliate link so if the one clicks on the link makes a purchase, you can earn money through affiliate programs without even creating a web site.

RUNNING WEBSITES

Finally, we reach the most popular way of making money online, running web sites. The key to building a successful web site is coming up with a new fresh idea so that you will draw traffic.

Once you have got an idea, the first thing you need to do is secure hosting at a popular and reliable web host, such as GoDaddy or BlueHost. You can sign up for an account and pay for a certain hosting plan. The more you pay, the larger a web site you can create and the larger your bandwidth is.

If you are unsure about all the technical aspects of running and hosting a web site, you should check with your web hosting provider what plan is best for you and your needs. Your host will also help you get a domain and transfer all files to get your site up and running.

Once you have a site live on the Internet and you are marketing it and drawing traffic, it is time to think about monetization. With a web site, you can either sell your own products that customers can purchase online or create a website for a service, such as the ones mentioned above.

Those who may not have as much time, often opt to create a web site, get traffic, and use a program such as Google AdSense where they are paid each time a visitor clicks on an advertisement. Webmasters may also sell links to advertisers directly to earn more revenue from their web site.

There are a lot of great online opportunities available on the Internet, and if you are willing to put in the time and effort requires, you can make enough to quit your regular full time job and work from home online.


About the author

Arun Kumar is a home business expert with 5+ years experience. He currently owns several successful websites including http://www.work-from-home-directory.com/ and http://online-jobs-tips.blogspot.com/. You can find out legitimate work at home ideas at http://www.work-from-home-directory.com/home_jobs/



Sunday, September 17, 2006

Wine-based mixed drinks age well

Wine-based mixed drinks age well, thanks to bartender Bezuidenhout's fresh approach

by Gary Regan

When I think of wine-based mixed drinks, my mind automatically focuses on that most boring of all concoctions, the white-wine spritzer. In my opinion, it isn't worthy of a glass. Sangria is the next drink to enter my mind. It can be an absolutely wonderful refresher on a hot afternoon by the pool, providing, of course, that a little thought goes into the recipe.

Jacques Bezuidenhout, a celebrated bartender who works in San Francisco, approaches wine-based drinks from a completely different angle. When Bezuidenhout thinks wine, he thinks fortified wine, and some of the marvelous cocktails he has developed over the years have proved he has the right idea.

"[Fortified wines] are more complex to work with, and they bring a lot more [flavor] to the table," he says. "It takes me back to more of the old-school way of making drinks."

He's right on the money there. Products such as sherry, port and Madeira often are seen in antiquarian cocktail recipes. Sherry flips and sherry cobblers are among the oldest of these drinks, and they were probably among the potions served at taverns right after the colonization of America began.

Port and sherry were among the ingredients that were called for far more often 100 years ago than they are today. Seldom do books written by past masters call for specific styles of fortified wines, and this is where Bezuidenhout has them beat.

"Working with port, sherry or Madeira offers so many different flavor components," he explains. "Just within sherry you have styles such as manzanilla, oloroso and Pedro Ximenez, which all offer various exciting flavors to add to the base spirit."

And when it comes to Madeira, bartenders can choose from verdelho, a medium-dry bottling; rainwater, a very versatile, lighter style of Madeira; bual, a medium-sweet wine; and malmsey, the sweetest of the bunch.

Bezuidenhout, whose thoughtful choice of ingredients is obvious from the recipe at left, works for two San Francisco bars, Tres Agave and Harry Denton's Starlight Room.

Denton and Tres Agave owner Julio Bermejo no doubt think they're lucky to have Bezuidenhout on staff, and I'm sure that he is grateful to be at both of these wonderful bars. For my part, I'm happy to see such diversity among the bartenders of America.

Gone are the days when the same drinks were being served in every bar in the country. In 2006 such bartenders as Bezuidenhout develop styles of their own and bring us drinks that I, for one, would never have dreamed of.

E-mail the author at: gary@ardentspirits.com

Adapted from a recipe by Jacques Bezduinhout

1 1/2 ounces Plymouth Gin

3/4 ounce Leacock's Rainwater Madeira

1/2 ounce Warre's Otima 10-year-old Tawny Port

1 dash of angostura bitters

1 orange twist, for garnish Fill a mixing glass two-thirds full of ice and add all of the ingredients. Stir for approximately 30 seconds, strain into a chilled cocktail glass and garnish.

Saturday, September 16, 2006

Building Assets the Right Way

Anyone with a desire to be wealthy, rich, or comfortable needs to follow a few steps. The first step is to create a plan of attack. An attack on poverty, on risk and on conventional thinking. Then they actually need to follow through with their plan. The plans vary person to person. For instance, older people can't take the same risks as young people.


They don't have the time to spare. Nor would it be easy for them to replace lost money. But anyone can choose an investment plan that will work for their situation. To create wealth you clearly need assets. An asset is not only something with value, but something that will put money in your pocket on a regular or planned basis.

The assets you acquire can be purchased, like a dividend bearing stock or an interest bearing bond. They can be created, like residual income producing assets such as a product, song, book or network marketing system or even an insurance agents list of clients. By creating an asset instead of purchasing an asset, you will be able to build wealth in the fastest possible way because there is no capital investment.

The capital you save can be used to create more assets. That is how a person gets rich. By using assets to buy or create more assets. You can earn an income for years to come from the same asset. The more assets you can build or buy, the wealthier you become as long as you reinvest your income into more assets.

Most assets you create become the fundamental elements of a business. The finest businesses to build into assets are the ones where you don't have to work every day. If you take the day off, your asset is still producing an income for you. Real Estate offers this characteristic in many different ways, through residential properties, industrial properties and commercial properties to name a few.

Other vehicles exist as well, such as insurance products, books, videos, audio CD's, DVD's and electronic files. Network marketing systems can create millionaires with their downlines. Podcasts and audio casts and any website can be an asset that can throw off income straight into your pockets.

Assets such as these also have another advantage. They create income that is taxed at a lower rate than any paycheck. The income earned on a paycheck is taxed at the highest rates. Income earned through portfolio or passive income is taxed at the lowest rates. There are no social taxes removed either.

Social Security or Medicare is not taken from either passive or portfolio income. Expenses are deducted first as well, lowering your overall tax basis. If you believe that you are incapable of creating an asset of your own, then you will be incapable. If you believe you can build as many assets as you want and actually get to work on building and creating assets, then you will become rich as long as you never quit on yourself.

This is not a get rich quick scheme. It takes some time, but after any asset is in your portfolio it will begin to earn money for you. When reinvested into more assets your income will grow. When your assets produce more income than your expenses, congratulations, you are wealthy.

Matt Fox is a successful investor in the stock market, real estate market and in private deals with individuals and businesses. See his column, My market time at http://www.bizmaker.blogspot.com to learn more about the stock market and other investment vehicles.

Article Source: http://EzineArticles.com/?expert=Matt_Fox

Friday, September 15, 2006

Fortune Favors the Brave!

from

Enhance your Personal Success

Boldness is a necessary part of courage but it must be a boldness based on an intelligent assessment of the potential risks and rewards. The wonderful nature of boldness is that, properly directed, it builds the habit of courage in the person who practices it.

In my experience, any virtue translated into action leads almost invariably to positive results. This applies to integrity, persistence, courtesy, love and courage. I’ve always liked the advice of an old man to his grandson. “Act boldly and unseen forces will come to your aid.”

Perhaps the most obviously important part of courage is the courage to step out in the face of uncertainty. Every great venture in the history of man has begun with faith and a giant leap into the unknown.

General Douglas MacArthur said, “There is no security in life, only opportunity.” The creed of Frederick The Great, one of history’s most successful leaders was, “Audacity, audacity—always audacity.”

A 12-year study of successful entrepreneurs conducted by Babson College concluded that the only thing they had in common was the willingness to launch, to step out in faith. Once they had started, they learned the lessons they needed to succeed. Many of them ending up successful in completely different businesses from where they started.

Dare to go forward. Successful companies are invariably those that continue to research, develop, experiment and introduce new products and services — even during the deepest recessions. Successful executives are those who are continually stretching themselves to move out of the comfort zone, to face the twin fears of failure and rejection and to move forward in spite of them.

Now, here are two ways to develop greater boldness in your work and personal life.

First, just do it! Step out in faith! If you think of some action you can take to improve your life, give it a try. You may be surprised.

Second, when in doubt, act with audacity. Audacity may get you into trouble but even more audacity will get you out. Go for it!

Thursday, September 14, 2006

Cocktailians and restaurateurs raise the bar

Cocktailians and restaurateurs raise the bar with beer-and-food pairings in Portland, Ore.

By Stephen Beaumont

(Sept. 11) - You hear a lot about beer and food pairing these days, usually in the context of a brewery-sponsored tasting or perhaps the occasional beer dinner. But the question that remains is: Is anyone doing anything about it?

Well, not really.

As any frequent diner who is fond of grain as well as grape will attest, there is an unquestionable tendency among restaurateurs to offer measly beer selections as almost second thought add-ons to exhaustive wine cellars.

Ask for the wine list at your favorite restaurant and you'll be handed a page, a pamphlet or a book. Ask for the beer list and your request will often be met by blank stares or a poorly recited list of a half-dozen or fewer choices.

Exceptions do exist, of course – the Belgian-oriented Monk's Café in Philadelphia, Fourquet Fourchette in Montreal, San Francisco's beer-and-tapas brewpub The Thirsty Bear – but in general, beer gets short shrift at the North American dinner table.

The big exception, however, is the city of Portland, Ore. An unabashed beer town, Portland supports more breweries than does any other urban area in North America, both per capita and in total, with 34 operating within the metro limits at last count.

Equally, Portland is a foodie paradise, boasting no end of smart restaurants serving up the regional bounty in innovative form, from local heirloom tomatoes to tapas of fresh Northwest seafood. And if the customer so desires, most of it may be accompanied by beer.

Greg Higgins of Higgins Restaurantis a pioneer in both the promotion of local produce and the partnering of food and beer, offering at his twelve-year-old restaurant both a stellar wine list thick with Pacific Northwest possibilities and a beer selection ranging from eight taps — plus one British-style handpump — to an impressive array of local and international beers.

Beer steward Warren Steenson affords special consideration to Belgian ales, which are among the most food-friendly of beers. Noting that there are some foods that simply go better with beer, Higgins singles out cheese as just one example, casting his gaze upon the humble white cheddar.

"I can't think of any wine that complements a piece of cheddar as well as ale does," he notes, adding that he doesn't understand why people would want to limit themselves to strictly wine or beer at the table, when you can have so much fun with both.

Explore the restaurants of Portland and you will find that such limitations are rarely necessary in this food-obsessed city. No matter if you dine at the four diamond London Grill in The Benson — Portland's grande dame hotel — the funky Le Bistro Montage, known for its late hours and macaroni and cheese variations, or the century-old Jake's Famous Crawfish, you can rest assured that beer as well as wine will be available to complement your food.

So whether it's a grilled Black Angus rib-eye steak accompanied by a glass of rich and roasty porter, macaroni spiked with jalapeños and served alongside a pint of fruity, hoppy India pale ale or local summer squash fritters complemented by a bottle of spiced Belgian ale, Portland is already doing the beer-and-food pairing that most everyone else is still just talking about.

Wednesday, September 13, 2006

Making Extra Money Made Easy

By Morgan Hamilton Platinum Quality Author

If you are working from home looking towards making extra money, it is vitally important to know that what you get involved with isn't a rip off. Many times, people simply do not know how to find the work they are in search of, and actually get paid for it.

You need to be able to distinguish what viable opportunities look like and be on the lookout for what to avoid.

The first and most important rule to always remember is that you should never have to pay anyone to work for them, they should be paying you. When you see things like envelope stuffing and are asked to send in money, avoid those so-called opportunities like the plague.

It can not be stressed enough that while making extra money from home, there is never any valid reason to pay a fee even if it is supposed to cover shipping and handling unless perhaps if it's for informational material that you feel is necessary to teach you the skills that you will need.

While the rule out many of the so-called opportunities that we identified as scams, we must now ask ourselves what opportunities for making extra money are valid? Believe it or not, there are legitimate ways to making extra money working from home.

One such example would be data processing and another is customer service.

This can mean taking orders, answering questions, fielding troubleshooting calls, or a number of other customer related activities. The vast majority of these types of opportunities are legitimate, the pay can vary greatly and there are no guarantees.

You will usually see offers for a per minute talk time, meaning you are paid only when you are on the phone speaking with customers.

This is great news for people who are making extra money with busy clients, because the calls are there and the potential to make more than $12-$12 an hour is possible. However if you happen to get work with other clients that have a lower call volume, you may see paychecks reflecting an hourly wage of less than $5 an hour.

Please understand that the business of making money from home is not an easy one, but if you are in fact serious about it there are most definitely legitimate opportunities that you can take advantage of.

You can start by visiting forums on the Internet where a lot of information is exchanged. This is also a valuable place to learn if certain making extra money opportunities in our scams or are in fact legitimate.

There is a great deal of competition or some of these positions so you must be tenacious and do your homework.

Morgan Hamilton offers expert advice and great tips regarding all aspects concerning making money. Get the information you are seeking now by visiting Making Extra Money

Article Source: http://EzineArticles.com/?expert=Morgan_Hamilton

Tuesday, September 12, 2006

How to Save Thousands of Dollars on your Mortgage

By: Dan Palmer

The dream of owning a home is becoming very elusive these days. Although everyone would like to have a home that is paid for free and clear, many people are forced to assume mortgages that will be paid over 25 or 30 years into the future.

Everyone is constrained to a certain degree by their budget. Yet there is a way to pay off the existing mortgage on your home quicker and save money in the process.

Almost all mortgages have built into them an Accelerated Payment Clause. This allows the borrower to pay more than the minimum amount of the monthly mortgage payment.

To do this you simply remit more to the lender than the usual mortgage payment every month. The benefit to this is that every extra dollar paid against the mortgage will lower the outstanding balance of the mortgage. This increases the equity in your home faster over time. Also, by lowering your outstanding balance, you will save on interest charges.

Here is a good example based on the scenario of an average family.

If you are an average family of four making $50,000 a year, let us assume that you are saving annually at the same rate as most Americans. This rate of savings as reported by our government is about 4% of your income every year. This would mean that you are putting $2000.00 in the bank every year for future purposes. This comes out to around $167.00 a month.

Right now you are probably receiving less than 1% Annual Percentage Rate (APR) on your passbook savings.

Why not take $100.00 of this money that you would normally save and pay down the mortgage on your home ahead of time? The following example shows why this is in your best interest.

If you take out a mortgage on a house for $200,000 at a 6% fixed rate, and the contract calls for repayment in monthly installments over 30 years, your monthly mortgage payment would be $1,210.56.

If you paid an extra $100.00 dollars per month toward the amortization of your mortgage, you would add $1,200.00 to the equity in your home every year.

In this scenario, the total amount paid to buy your home over the life of the mortgage would be $435,798.89. When you add $100.00 to your mortgage payment every month you would save $46,360.13 in interest charges over the life of the mortgage. You would also be able to retire your mortgage earlier.

You would be able to trim 38 monthly payments off your repayment of the mortgage. So the mortgage would be paid off 3 years and 2 months sooner if you use this repayment method.

In short, what this strategy does is shift your money from passbook savings only ($2,000.00 per year), to paying $1,200.00 on your mortgage, and saving $800.00 directly into your bank account each year.

To sum up the benefits of using this method, the borrower in the example above saved $46,360.13 in interest on their loan, and accumulated $21,923.85 in passbook savings ( $67.00 per month X 1% APR X 322 months ). This equals $68,283.98 in accumulated savings over 26 years and 10 months (This is the actual time it would take to pay off the original 30 year mortgage).

If the family would have put all of their money ($167.00 per month) in a passbook savings account only, they would have accumulated $54,646.35 over the same period of time.

So this family would have actually saved $13,637.63 more by using this accelerated payment method. And they would have also paid off their mortgage 3 years and 2 months earlier than normal.

This method can be used in any situation where the mortgage has an Accelerated Payment Clause built into it. It will work best if you are consistent with the amount that you pay on your mortgage every month. Any change in the amount of monthly repayment of the mortgage will affect the amount that you will actually save.

Check with your banker to find out if your mortgage allows for Accelerated Payments. Then you can use this strategy to save a lot of money on your mortgage and own your home sooner.

Monday, September 11, 2006

The Law of Investing

from

Enhancing your Financial Success

The Law of Investing — investigate before you invest. This is one of the most important of all the laws of money. You should spend at least as much time studying a particular investment as you do earning the money to put into that particular investment.

Check Every Detail
Never let yourself be rushed into parting with money. You have worked too hard to earn it and taken too long to accumulate it. Investigate every aspect of the investment well before you make any commitment. Ask for full and complete disclosure of every detail. Demand honest, accurate and adequate information on any investment of any kind. If you have any doubt or misgivings at all, you will probably be better off keeping your money in the bank or in a money market investment account than you would be speculating or taking the risk of losing it.

Money Is Easy To Lose
The first corollary of the Law of Investing is: “The only thing easy about money is losing it.” It is hard to make money in a competitive market but losing it is one of the easiest things you can ever do. A Japanese proverb says, “Making money is like digging with a nail, while losing money is like pouring water on the sand.”

The Best Rule of All
The second corollary of this law comes from the self-made billionaire, Marvin Davis, who was asked about his rules for making money in an interview in Forbes Magazine.

He said that he has one simple rule and it is, “Don’t lose money.” He said if there is a possibility that you will lose your money, don’t part with it in the first place. This principal is so important that you should write it down and put it where you can see it. Read it and reread it over and over.
Time Equals Money

Think of your money as if it were a piece of your life. You have to exchange a certain number of hours, weeks and even years of your time in order to generate a certain amount of money for savings or investment. That time is irreplaceable. It is a part of your precious life that is gone forever. If all you do is hold on to the money, rather than losing it, that alone can assure that you achieve financial security. Don’t lose money.

Be Smart About Investing
The third corollary of the Law of Investing says: “If you think you can afford to lose a little, you’re going to end up losing a lot.”

There is something about the attitude of a person who feels that he has enough money that he can afford to risk losing a little. You remember the old saying, “A fool and his money are soon parted.” There’s another saying, “When a man with experience meets a man with money, the man with the money is going to end up with the experience and the man with the experience is going to end up with the money.”

Always ask yourself what would happen if you lost 100 percent of your money in a prospective investment. Could you handle that? If you could not, don’t make the investment in the first place.

Action Exercises
Here are two things you can do to apply this law immediately:

First, think back over the various financial mistakes you have made in your life. What did they have in common? What can you learn from them? Accurate diagnosis is half the cure.

Second, invest only in things that you fully understand and believe in. Take investment advice only from people who are financially successful from taking their own advice. Play it safe. It’s better to hold onto your money rather than to take a chance of losing it, along with all the time it took you to earn it.

Sunday, September 10, 2006

Bloody Mary Recipes Always are Worth the Time and the Alchemy


By Jenny Adams


She’s the queen of cocktails, the princess of profit or the regal red temptress of fall guest traffic. By any nickname, Bloody Mary sits on a special throne, surrounded by tomato juice, vodka and a full court of spicy counterparts.

This month’s recipe page offers two special concoctions from the Deep South as well as two other twists to help Sunday sales. While Harry’s New York Bar in Paris, France, may lay claim to the world’s oldest known hangover cure, American bartenders have been fiddling with this royal recipe ever since.

Here are four recipes worth their weight in garnishes. And, as football season nears and pre-gamers prepare so too should on-premise operators:-


Ajax Diner Bloody Mary Mix

4 cans of V8 Juice

1 cup Worcestershire sauce

1/2 cup soy sauce

2 cups orange juice

1/2 tablespoon horseradish

1 tablespoon kosher salt

1 tablespoon black pepper

1/2 tablespoon cumin

1/2 tablespoon garlic powder

1/2 tablespoon celery salt

1 tablespoon red pepper flakes

1/2 teaspoon cayenne pepper

1/2 cup Coca-Cola

Tabasco to taste

Combine all ingredients in gallon container. Mix well. Fill tall glass with 1 1/2 ounces of Grey Goose vodka and sufficient mix. Garnish with a squeeze of lemon, a squeeze of lime and a spear of pickled okra.

Courtesy of Ajax Diner, Oxford, Miss.

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Bogart’s Mediterranean: Gourmet Bloody Mary

Bogart's Signature Bloody Mary Mix

2 cans of tomato juice

1/2 cup horseradish

3 tablespoon lime juice

3 tablespoon lemon juice

2 tablespoon onion powder

2 tablespoon garlic powder

1 tablespoon cracked black pepper

2 tablespoon Old Bay seasoning

A couple of shakes of Tabasco

A couple of shakes of Worcestershire sauce

Makes about 3 quarts


Marinate Skyy vodka with rosemary, kalamata olives and roasted, Roma tomatoes. Let vodka marinate for about two days in a cooler. Combine two parts vodka with one part Bogart’s Signature Bloody Mary Mix.

Serve chilled, straight up in a Martini glass with sea salt rim. Garnish with olives and a lime wedge.

Courtesy of www.bogartsamericangrill.com, Raleigh, N.C.

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The Dirty Bloody Mary

2 ounces of vodka

1 ounce Stirrings Bloody Mary Mixer

1 tablespoon Stirrings Dirty Martini Mixer

1 cup of ice

In a cocktail shaker, combine vodka, Stirrings Bloody Mary Mixer, Stirrings Dirty Martini Mixer and ice. Shake until well blended. Pour into cocktail glass, add olives and serve.

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The Bullseye

5 ounces of Daily’s Salsa

Bloody Mary Mix

3 ounces of Absolut Peppar vodka

1 dash of Worcestershire sauce

1 splash of Tabasco

Salt and pepper to taste

Combine all ingredients in a 12-ounce tumbler filled with ice. Serve garnished with a grilled shrimp, a lemon wedge and a celery stalk. Upon delivery of drink, remove tail and drop shrimp into the bottom of glass to marinate, squeeze lemon wedge on top and stir with celery.

Courtesy of www.recipeland.com ----NCB

Saturday, September 09, 2006

Travel the Path to Financial Independence

By Robert Curtis

An “activist” is someone, who, seeing a need for change or improvement, becomes involved in promoting that change or improvement.

I suppose that makes me an activist, of sorts.

More than thirty years ago my heart hatched a dream. I wanted to travel a path that would help me to become financially independent. But I did not stay the course. I did not continue to search, research, act and follow through.

So here I am. One of the typical statistics of the general population of the nation. I have virtually no savings and very little put away into a retirement vehicle.

But it is not too late. It is never too late. And I am still determined to make a better future for myself. The difference is, I have actually begun. I have a plan for my future success and my future prosperity.

We have a “term” life insurance policy in place to cover our immediate needs if we died, and we have opened some tax advantaged retirement programs.

My current job has had a retirement program available for a long time. They offer to put in 2% of my gross pay check if I will put in 3% of the same pay check.

Think of it.

If I contribute $150, the company adds $100. Then I have it invested in a mutual fund with a track record of about 10%. At the end of the year, using simple numbers for illustration, I will have put away $1800, the company will have added $1200, and the interest would have contributed about $300. We have a total of $3300. The return on my investment of $1800 has been over 83%!! Would you like an 83% return? Check into it. Ask about employer matching funds investments for retirement.

We are also putting into place a Roth IRA, a short-term savings plan, and a long-term savings plan. These are all in mutual funds, where we can not only get the greatest growth, but have access to our savings, when needed, as well.

Everyone has the right to aspire to live well and retire properly. One of the saddest tales of financial failure are found in the lives of those who, having had the best of intentions, ended up doing nothing at all.

Take matters into your own hands. Make your own choices for a better future. You are fighting the war on poverty terror, and financial freedom isn’t free.

You must choose to pay the price. A few dollars today will grow to secure peace of mind tomorrow. But you must make that choice to begin right away. Compound interest works it’s best magic when given the most time to perform.

Purchase “term” insurance to cover your current potential needs now, then invest in mutual funds to control and secure your future.

Do not risk becoming one of the faceless casualties of financial unprepared ness. The real risk is in doing nothing at all.

A devastating risk.

Bob Curtis has a bachelor's degree in Psychology, and has been writing about the elements of relationships for a number of years. He is the manager of the Essential Sunshine Association, a new website for positive relationship development at http://www.essun.blogspot.com

Article Source: http://EzineArticles.com/?expert=Robert_Curtis

Friday, September 08, 2006

The Billionaire’s Strategy for Success

from

Enhancing your Financial Success

Leveraging Your Financial Potential
One of the greatest forms of financial leverage is contacts Knowing the right people and being known by them can open doors for you that can save you years of hard work. The quality and quantity of your contacts and your relationships will have more to do with your success than perhaps any other factor.

Meet The Right People
Here are three things you can do to expand your list of contacts. First, make a list of the 25 people you feel it would be most useful for you to get to know. Develop a strategy to get to meet everyone of them over the next 12 months. Then make a list of 25 more.

Make a Plan For Personal Contact
List the people in charge of the major corporations that would be useful for you to know. List the mayor, list the congressmen, list the senator. List the important people that it would be helpful for you to know and then make a plan to meet them. Second is for you to network at every opportunity. Join business and trade associations. Attend meetings. Get involved. Volunteer for service on a key committee. This action alone can cut years off your career.

Get Involved In Your Community
The third way is to get involved in community service organizations. The best people in every community, the people you should know and who should know you, are usually involved in public service in some way. Start with the United Way in your own city, or get involved in any charity that you care about or that you're interested in. You'll be amazed at the quality of people that you'll meet doing voluntary service.

Develop New Ideas
Another form of leverage is creativity. Remember, one new idea is all you need to start a fortune. Everyone has the ability to come up with creative ideas and solutions if they look for them. All great fortunes begin with an idea.

Be An Effective Worker
A powerful form of leverage that can help you is good work habits. Good work habits make an extraordinary difference. In a recent study, 104 chief executive officers all agreed that the ability to set priorities and then to get the job done fast were the two qualities that most readily led to promotion and increases in pay.

Good work habits will bring you to the attention of the important people in your life as fast or faster than anything else you can do. In the final analysis, you always get paid for your results. If you develop a reputation for being the person who gets the job done fast, that alone can put you onto the fast track in your career.

Action Exercises
First, get involved in the business, trade, civic and social organizations in your community. Once you become a member, offer to help and serve on committees. This will bring you to the attention of people who can help you faster than any other way.

Second, develop excellent work habits. Be punctual. Plan your work and work your plan. Always concentrate your energies on high priority tasks and make sure that you are doing things that are important to your boss and to your company

Thursday, September 07, 2006

Take a sip across the nation

Take a sip across the nation and taste the wide variety of the year's coolest new cocktails

By Gary Regan

(Sept. 4) - It's September, so it's just about time to start thinking about "The Hottest New Drinks of 2006." Articles with similar titles are bound to begin appearing in magazines and newspapers around the country as the end of the year approaches.

Creating variations on the apple martini was the trend one year, and infused spirits had their heyday in the recent past, too. This year, though, I'm having a hard time finding commonality among the new drinks of 2006.

They're simply all over the map.

I'm tempted to say that pomegranate-flavored liqueurs and vodkas have been the biggest hits of this year, and they've definitely been featured in many new recipes I've seen, but straight rye whiskey also has been very popular. And what about all the new gins?

With no discernable theme, I'll just take you on a cocktail tour around the country so you can see for yourself the diverse drinks that mixologists nationwide are making.

Fresh fruit is being used in cocktails all over and Jonathan Pogash, director of cocktail development at the Bookmarks Lounge at the Library Hotel in Manhattan, likes to use blueberries both as an ingredient and a garnish in his Blueberry Royale.

He adds sugar, lime juice, orange-flavored liqueur and champagne to the muddled blueberries, and he tops the drink off with three fresh blueberries skewered on a cocktail pick. And at Aspen restaurant, also in New York, mixologist Holly Roberts uses acerola, a fruit that's also known as the Barbados or West Indies cherry, to make an exotic drink she calls the Onda Cereja. It's made with cachaça, acerola and lemon juice.

Wine is beginning to sneak into cocktails, too. Paul Morganelli, bartender at Envy Bar in Las Vegas, for instance, marries ice wine with a vodka made from grapes to make his White Diamonds cocktail.

But you don't have to go to Vegas to find cocktails made with wine. You can also find some at Urbana Restaurant and Wine Bar in Washington, D.C., where bartenders serve the Biarritz Cocktail, made with gin, Viognier, apple juice and lime juice. The drink was created by mixologist Jacques Bezuidenhout.

Jonny Raglin, head bartender at the Absinthe Brasserie & Bar in San Francisco, discovered a new pine-flavored liqueur he adds to his Georgie Shaw cocktail with Irish whiskey, Pimm's Cup and orange bitters.

And at Rye in San Francisco, bartender and co-owner Greg Lindgren calls for advocaat, an egg-based, brandy-spiked liqueur, to make his Golden Rye Flip, a drink that also calls for rye whiskey, clementine juice, half-and-half, simple syrup and orange bitters.

Katie Loeb, beverage consultant at Amada, a Spanish tapas bar in Philadelphia, created the Cyclone Sour. The drink calls for cachaça to be infused with cyclone tea mixed with lemon juice, simple syrup, orange bitters and egg white.

As you can see, then, the cocktail world went wild in 2006, and the year doesn't end for another three months.

E-mail the author at: gary@ardentspirits.com

Sunday, September 03, 2006

How to Retire a Millionaire

By Mika Hamilton

Once upon a time, a millionaire was a rare thing indeed. But that’s not the case anymore. Of course, money has depreciated over time thanks to inflation, so that a million dollars now does not have the same buying power that it did in the past. But that’s not the only reason that more and more people are able to claim that they are millionaires.

Part of the increase in membership into this once highly exclusive category is that people are becoming much smarter about how they use their money. They have come to understand the magic of compound investing and how powerful a tool it is to understand when it comes to getting your money to work for you.

As discussed in other articles, remember that money has time value. While a million dollars captures a certain ‘meaning’ to us now, it will not have the same meaning in 10, 20 or 30 years when you are ready to retire.

So just understand that even if you are able to call yourself a millionaire, that doesn’t mean that you will be living the lifestyle of what you see today’s millionaires doing. By then, it will take multiple millions of dollars to enjoy the same type of lifestyle that today’s millionaires enjoy. All the more reason to begin your wise investing as soon as possible.

So how can you get to the goal of becoming a millionaire? Well, first you need to adopt the millionaire attitude by taking an honest look at your current financial situation. Chances are you can first change some of your spending habits so that you are ‘losing’ less money. The more money you can invest now instead of spending it on unnecessary items, the more money you will have for your retirement.

Where are you currently in debt? There is ‘good’ debt, such as a mortgage, which in most cases means that what you have purchased is appreciating in value. And there is ‘bad’ debt, such as a new car payment, which has you paying for an item that is depreciating in value. And for many of us, the worst debt is also the most commonly held – credit card debt.

If you are paying for the right to use credit, you are probably living above your means. Not to mention the fact that once you are considered a good risk by a credit card company, you are more readily able to get credit from other companies as well.

So all too often, you can end up making minimum payments on a number of credit cards, making it difficult to ever pay off any of them entirely. Of course, you can’t change what you’ve spent in the past, but you can change what you spend in the future. Stop spending what you can’t afford, pay off high interest debts, and invest as much as possible.

The exact investment requirements needed to reach the millionaire mark depend on how much, at what interest rate, and for how long you have to invest your money. But, let’s say that you are 35 years old and you want to retire at 65. You are starting from scratch on your account and want to get to $1,000,000 by 65.

At 8% interest, you would need to save $8,826 per year, or $735.50 per month. What if you can earn 10%? Then you need $6,079 per year, or about $506.58 per month to reach $1,000,000 by 65. Of course, if you had 40 years to reach the millionaire mark, you’d only need $321 a month at 8% or an amazing $188.25 a month at 10% in order to hit your goal. The moral is, the sooner you start, the more magic compounding interest can do for you.

Visit the Global Investment Institute for more articles and learn how to become a billionaire at http://www.Global-Investment-Institute.com

Investment webmasters or publishers, please feel free to use this article provided this reference is included and all links remain active.

Article Source: http://EzineArticles.com/?expert=Mika_Hamilton

Saturday, September 02, 2006

Xtreme Entrepreneurs

Business & Small Business

Friday, September 01, 2006

Two Techniques for Turbulent Times

from

Enhance your Personal Success

There are two techniques that can be useful in developing the foresight that is a hallmark of effective leaders.

Practice Crisis Anticipation
The first is called “crisis anticipation” and it involves looking ahead as far as you can and asking, “What could possibly change or go wrong that would threaten our survival?”

Think About The Worst Possible Event
For example, what would you do if interest rates doubled, as they have done in the past? What if your best-selling product, or service, suddenly stopped selling, as often happens in high-tech industries in times of rapid change. What if a key executive died unexpectedly or your offices with all your records were destroyed by fire? What if you lost your key customer or major source of revenues?

These and other questions can only be asked and considered by the leader, the person ultimately charged with the overall responsibility for results. The failure to think through possible crises in advance can open you and others to fear, panic and confusion if something goes wrong.

Plan For A Crisis
The Greek philosopher Epictetus said, “Circumstances do not make the man; they merely reveal him to himself.”
A crisis is the genuine test of courage and effectiveness in a leader. You can greatly improve your abilities to function in a crisis situation by thinking it through in advance and by developing contingency plans — just in case.

Determine What Can Go Wrong
The second technique is called the “master method” of decision making. It involves asking, “What is the worst possible thing that can go wrong in this situation?”

Once you’ve asked the questions, you must decide whether or not you can live with those consequences. For example, in an investment, or new product introduction, or new promotion, the worst possible outcome may be that you will lose every penny. Can you live with that? Can the company survive? There are many different types of decisions and one of them is the decision you cannot afford to make. Most big failures result because someone made a commitment of resources without carefully considering the worst possible outcome.

Do What Billionaire's Do
John Paul Getty, the great oil billionaire said that one of his secrets of success was to always determine the worst thing that could happen in any investment — and then make sure it didn’t happen.

Action Exercises
Here are two ways to apply these techniques to your own situation:

First, make a list of the three worst things that could happen to your business or your department. Then develop a strategy to deal with these situations if they occur.

Second, practice “crisis anticipation” in each key area of your life. Look into the future and imagine a major setback. What would you do if they happened?