By Andrea Coombes
For many U.S. workers, their job may seem more a barrier to improving their health than an aid in that effort. Not so for the employees at firms on AARP's list of the 50 "best workplaces" for those 50 and older.
Cornell University, No. 1 on AARP's list this year, offers on-site screenings for cholesterol, blood pressure and depression, plus fitness classes that promote "staying strong" and "core conditioning," as well as walking tours and stress-management tips. Many of these perks are free to employees and retirees.
The Ithaca, N.Y.-based school also works with local doctors in its "program for healthy living," in which employees consult with a doctor to come up with a written guide for exercise and nutrition. Forty-three percent of the university's work force is 50 or older.
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Tuesday, September 30, 2008
Home Is Where the Nest Egg Is
by Robert Powell
Home, for millions of Americans, is not only where the heart is. It's increasingly where the retirement account is, too. Yes, home equity, along with IRAs, 401(k)s and Social Security is viewed as one of the most important sources of retirement income to millions of homeowners.
One recent study showed that home equity represents 21% of the typical pre-retiree's net worth, second only to Social Security at 41%. Another study found one in five retirees and pre-retirees plan to tap their home equity to help fund retirement.
Now, however, the recent and unprecedented decline in home prices is forcing many Americans -- especially those who were banking on the inflated value of their home to make up for paltry savings and falling retirement account balances -- to re-evaluate their retirement plans.
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Home, for millions of Americans, is not only where the heart is. It's increasingly where the retirement account is, too. Yes, home equity, along with IRAs, 401(k)s and Social Security is viewed as one of the most important sources of retirement income to millions of homeowners.
One recent study showed that home equity represents 21% of the typical pre-retiree's net worth, second only to Social Security at 41%. Another study found one in five retirees and pre-retirees plan to tap their home equity to help fund retirement.
Now, however, the recent and unprecedented decline in home prices is forcing many Americans -- especially those who were banking on the inflated value of their home to make up for paltry savings and falling retirement account balances -- to re-evaluate their retirement plans.
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Bartending - Whats It All About?
By: Michael Russell
Becoming a bartender is entering into a job unlike any other. For whilst most careers tend to be at a frenetic pace in the corporate world, bartending is in fact a career that you can have flexibility with.
Now on the surface bartending may appear to be quite simple, in fact bartending is not for everyone. But for others it is the absolute ideal job for various reasons. For example, bartending is a great way for college students to make some money through full or part time employment.
For others, it is an ideal part time job to supplement their income. And finally for some, it is a full time career, which can bring substantial earnings once tips are taken into consideration. So ultimately bartending can be a professional trade, it just depends on the kind of bartender you want to be.
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Becoming a bartender is entering into a job unlike any other. For whilst most careers tend to be at a frenetic pace in the corporate world, bartending is in fact a career that you can have flexibility with.
Now on the surface bartending may appear to be quite simple, in fact bartending is not for everyone. But for others it is the absolute ideal job for various reasons. For example, bartending is a great way for college students to make some money through full or part time employment.
For others, it is an ideal part time job to supplement their income. And finally for some, it is a full time career, which can bring substantial earnings once tips are taken into consideration. So ultimately bartending can be a professional trade, it just depends on the kind of bartender you want to be.
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Monday, September 29, 2008
Two Secret Supplements Missing From Your Diet That Will Give You A Natural Constipation Remedy
By: Mark Myers
Can you guess what two items of nutrition that most women don't get enough of? You could expect these nutrients to be a problem in non-developed countries, but women in America are missing these. These simple dietary ingredients would solve most women's constipation problems if they weren't forgotten.
The natural constipation remedy is so obvious and surrounds us everywhere.The first is water. The quickest easiest method to weight loss, regularity, glowing skin, and overall health is simple water. The main building block of all our cells is water, and we refuse to drink a replenishing supply daily.
Our bowel exists to extract extra water from our wastes. When we don't take enough water into our system, our organs start a panic and and conserve water wherever it can.When our bodies need water, the two best places to claim it from is our skin and large intestine, causing hard formed stools.
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Can you guess what two items of nutrition that most women don't get enough of? You could expect these nutrients to be a problem in non-developed countries, but women in America are missing these. These simple dietary ingredients would solve most women's constipation problems if they weren't forgotten.
The natural constipation remedy is so obvious and surrounds us everywhere.The first is water. The quickest easiest method to weight loss, regularity, glowing skin, and overall health is simple water. The main building block of all our cells is water, and we refuse to drink a replenishing supply daily.
Our bowel exists to extract extra water from our wastes. When we don't take enough water into our system, our organs start a panic and and conserve water wherever it can.When our bodies need water, the two best places to claim it from is our skin and large intestine, causing hard formed stools.
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The Best Legitimate Work from Home Opportunities
By: Mal Keenan
Earn a steady income, be your own boss and never have a deadline you can never meet. This has become tangible and real for desktop professionals all over the world. Whether as a supplementary income or a complete substitute for actual office work - the internet has led the exodus for many people who have become interested in earning money online.
The trick is to find work that is plausible, doable and genuine. This article is a guide - revealing to anyone who wants to dabble in earning a living from the internet the best legitimate work from home opportunities.
Websites. Online initiatives like Google Adsense have changed the face of the role of websites online. No longer is it just a portal for information and entertainment; with Google Adsense, anyone who has a website can make money just by placing these ads on the website. Don't have a website? Make one - with any topic of your personal interest that can generate some buzz on the internet.
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Earn a steady income, be your own boss and never have a deadline you can never meet. This has become tangible and real for desktop professionals all over the world. Whether as a supplementary income or a complete substitute for actual office work - the internet has led the exodus for many people who have become interested in earning money online.
The trick is to find work that is plausible, doable and genuine. This article is a guide - revealing to anyone who wants to dabble in earning a living from the internet the best legitimate work from home opportunities.
Websites. Online initiatives like Google Adsense have changed the face of the role of websites online. No longer is it just a portal for information and entertainment; with Google Adsense, anyone who has a website can make money just by placing these ads on the website. Don't have a website? Make one - with any topic of your personal interest that can generate some buzz on the internet.
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Good wine needs a good drink
By Gary Regan
Idon't do wine. I sometimes drink wine, but when I'm not sipping cocktails or tippling whiskey, you're more likely to find me gulping beer than savoring wine. And when it comes to the writing game, apart from the odd tantrum about how the white wine spritzer is the most boring drink in the known universe, I hardly ever mention wine when I put pen to paper.
Luckily for me there are quite a few wineries around that haven't caught on to this, so bottles of vino extraordinaire do appear on my doorstep periodically. When I was coming up through the ranks, way back in the 1970s, there was a certain snobbery attached to wine, and that could be one of the things that made me stick to beer, whiskey and strong cocktails.
That seems to be changing, though, and as bad as things seem at times, here in the 21st century, one of the small signs that actually give me hope for the planet is the fact that snobbery seems to be on the wane.
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Idon't do wine. I sometimes drink wine, but when I'm not sipping cocktails or tippling whiskey, you're more likely to find me gulping beer than savoring wine. And when it comes to the writing game, apart from the odd tantrum about how the white wine spritzer is the most boring drink in the known universe, I hardly ever mention wine when I put pen to paper.
Luckily for me there are quite a few wineries around that haven't caught on to this, so bottles of vino extraordinaire do appear on my doorstep periodically. When I was coming up through the ranks, way back in the 1970s, there was a certain snobbery attached to wine, and that could be one of the things that made me stick to beer, whiskey and strong cocktails.
That seems to be changing, though, and as bad as things seem at times, here in the 21st century, one of the small signs that actually give me hope for the planet is the fact that snobbery seems to be on the wane.
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Sunday, September 28, 2008
Real estate Investing – What the Guru’s Won’t Tell You
By: Jules Carney
I have been down the real estate investing path for some years now, and have taken the time to get myself educated. If there is a new book, I have purchased it. If there is a new technique – I have examined it, a new seminar, I have looked at it, and I have been to several.
I have talked to several investors and spent time looking at, and understanding the markets I choose to invest in.It is almost trite to say that I think the best thing you can do for yourself when you enter any investment is to get educated.
In fact, let me say that if you don’t want to take time to get yourself educated, then you are not an investor – you are a gambler – or worse, a fool. I know that sounds harsh – but let’s be honest, why would you put your money into something you have not taken time to understand?
Worse yet, most of us do it anyway, handing our hard earned money (well I think of mine as hard earned) to someone without understanding even the fundamentals of what makes the investment sound, appreciate, depreciate, etc.
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I have been down the real estate investing path for some years now, and have taken the time to get myself educated. If there is a new book, I have purchased it. If there is a new technique – I have examined it, a new seminar, I have looked at it, and I have been to several.
I have talked to several investors and spent time looking at, and understanding the markets I choose to invest in.It is almost trite to say that I think the best thing you can do for yourself when you enter any investment is to get educated.
In fact, let me say that if you don’t want to take time to get yourself educated, then you are not an investor – you are a gambler – or worse, a fool. I know that sounds harsh – but let’s be honest, why would you put your money into something you have not taken time to understand?
Worse yet, most of us do it anyway, handing our hard earned money (well I think of mine as hard earned) to someone without understanding even the fundamentals of what makes the investment sound, appreciate, depreciate, etc.
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Saturday, September 27, 2008
5 Easy Steps to Hosting a Wonderful Party!
by Crystle Gabriel
Have you ever wanted to have the reputation of hosting the BEST parties in town? Well, here are some easy steps to acquire that reputation you’ve always wanted, without spending a lot of cash!
1. After you have decided to have that special get-together, the first thing to do is send out invitations. Not just any old invitation, but an invitation that reflects the type of party you are having.
Your invitations set the tone for the festivities! For example, if it is a formal dinner party, send an invitation that looks like a tux with a bow tie, or send a note with all the party info attached to a real bow tie.
Find miniature bottles of champagne or fake bottles and attach a beautiful handwritten card as the invitation. Whatever the theme, your invitation should convey it. Use your imagination and peak everyone's interest.
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Have you ever wanted to have the reputation of hosting the BEST parties in town? Well, here are some easy steps to acquire that reputation you’ve always wanted, without spending a lot of cash!
1. After you have decided to have that special get-together, the first thing to do is send out invitations. Not just any old invitation, but an invitation that reflects the type of party you are having.
Your invitations set the tone for the festivities! For example, if it is a formal dinner party, send an invitation that looks like a tux with a bow tie, or send a note with all the party info attached to a real bow tie.
Find miniature bottles of champagne or fake bottles and attach a beautiful handwritten card as the invitation. Whatever the theme, your invitation should convey it. Use your imagination and peak everyone's interest.
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Wednesday, September 24, 2008
10 Tough Ways to Boost Your Bottom Line
by Jeffrey Strain
Faced with record high personal debt levels and ultra-low savings rates, it may be worthwhile for Americans to consider taking the hard way out of debt. When people talk about getting their personal finances in order, they usually try to find the easy way to reduce debt and increase savings.
There are a number of steps you can take that are relatively pain-free and low-cost that will help get you on your way to a better financial position, but this is taking the long term approach. Little steps over a long period of time will add up to big amounts, but it's not the only way to achieve financial freedom.
Another option is to take the hard route. Instead of making small changes, make big changes which can have a large impact. The advantage is that you can put a huge dent into any debt you might have or supercharge your saving rate, with large increases over a short period of time.
Click Here to Continue Reading This Post
Faced with record high personal debt levels and ultra-low savings rates, it may be worthwhile for Americans to consider taking the hard way out of debt. When people talk about getting their personal finances in order, they usually try to find the easy way to reduce debt and increase savings.
There are a number of steps you can take that are relatively pain-free and low-cost that will help get you on your way to a better financial position, but this is taking the long term approach. Little steps over a long period of time will add up to big amounts, but it's not the only way to achieve financial freedom.
Another option is to take the hard route. Instead of making small changes, make big changes which can have a large impact. The advantage is that you can put a huge dent into any debt you might have or supercharge your saving rate, with large increases over a short period of time.
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Afforadable Luxury— Extra Añejo Tequilas Set a New Standard
From The American Mixologist
The first sniff, sip and swallow will quickly reveal why 100% blue agave tequilas are so tremendously popular. Ounce for ounce, these ultra-premium tequilas are comparable in quality and allure to vintage malts and well-aged cognac.
Their extraordinary characters are so remarkably rich and vibrant that you’re left with the unmistakable conclusion that this is how tequila is meant to taste.These are the best of times for the category.
Interest in handcrafted tequilas has been nothing short of phenomenal and propelled the category to grow a robust 10% in 2007, the steepest increase of the light liquors, outpacing the growth of vodka (6.7%) and rum (5.1%)—this according to the Beverage Information Group.
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The first sniff, sip and swallow will quickly reveal why 100% blue agave tequilas are so tremendously popular. Ounce for ounce, these ultra-premium tequilas are comparable in quality and allure to vintage malts and well-aged cognac.
Their extraordinary characters are so remarkably rich and vibrant that you’re left with the unmistakable conclusion that this is how tequila is meant to taste.These are the best of times for the category.
Interest in handcrafted tequilas has been nothing short of phenomenal and propelled the category to grow a robust 10% in 2007, the steepest increase of the light liquors, outpacing the growth of vodka (6.7%) and rum (5.1%)—this according to the Beverage Information Group.
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Tuesday, September 23, 2008
10 Ways to Protect Your Finances From the Crisis
by Brett Arends
Here are ten things that this financial panic means for you.
1. Check that your bank accounts are federally insured. The Federal Deposit Insurance Corporation (FDIC) guarantees deposits up to $100,000 per person. If you have to hold more than that, spread it across multiple banks. As a taxpayer you are paying for this insurance. Use it.
2. Make sure your brokerage accounts are federally insured, too. The Securities Investor Protection Corporation (SIPC) guarantees you at places like Lehman Brothers, Merrill Lynch, E-Trade and the like up to $500,000, including $100,000 worth of cash.
The same rules apply: If you have more to invest, spread it across multiple firms. Note: The SIPC is only there to make sure you get your shares and bonds back if a brokerage fails. It does not, obviously, guarantee those investments' value.
3. Put money in thy purse. If this market and this economy get any tougher, cash isn't just going to be king any more. It's going to be king, queen, emperor, lord high chamberlain, and the whole court – including the royal cat and crazy prince Ruprecht locked in the attic.
The easiest way to make or find a buck is to save it. So take an axe to those family budgets. The restaurant meals. The Super Duper Everything Cable package. The rip-off checking account with the high fees and low interest. It's all costing you.
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Here are ten things that this financial panic means for you.
1. Check that your bank accounts are federally insured. The Federal Deposit Insurance Corporation (FDIC) guarantees deposits up to $100,000 per person. If you have to hold more than that, spread it across multiple banks. As a taxpayer you are paying for this insurance. Use it.
2. Make sure your brokerage accounts are federally insured, too. The Securities Investor Protection Corporation (SIPC) guarantees you at places like Lehman Brothers, Merrill Lynch, E-Trade and the like up to $500,000, including $100,000 worth of cash.
The same rules apply: If you have more to invest, spread it across multiple firms. Note: The SIPC is only there to make sure you get your shares and bonds back if a brokerage fails. It does not, obviously, guarantee those investments' value.
3. Put money in thy purse. If this market and this economy get any tougher, cash isn't just going to be king any more. It's going to be king, queen, emperor, lord high chamberlain, and the whole court – including the royal cat and crazy prince Ruprecht locked in the attic.
The easiest way to make or find a buck is to save it. So take an axe to those family budgets. The restaurant meals. The Super Duper Everything Cable package. The rip-off checking account with the high fees and low interest. It's all costing you.
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Affordable Housing Exists, If You Know Where to Look
by Prashant Gopal
Stacy Williams owns a three-bedroom house with a full basement and central air-conditioning in a quiet neighborhood on the upper west side of Youngstown, Ohio. Williams, now 33, was earning $8.05 an hour as a manager at McDonald's when she moved into the house with her husband, a laborer at a construction equipment manufacturer, and son back in 2004.
The couple's combined annual salary was $33,000. But the purchase didn't require much of a financial stretch: The house cost $48,000. "If you have the credit score to do it, there's nothing that can stop you from buying a home in Youngstown," said Williams, whose plans for the house include a second bathroom.
A fallout from the real estate slump is that once again many homeowners are forced to look for homes that are within their budget. Access to cheap adjustable-rate mortgages gave many Americans the chance to live in homes that under normal circumstances they could have never afforded.
Click Here to Continue Reading This Article
Stacy Williams owns a three-bedroom house with a full basement and central air-conditioning in a quiet neighborhood on the upper west side of Youngstown, Ohio. Williams, now 33, was earning $8.05 an hour as a manager at McDonald's when she moved into the house with her husband, a laborer at a construction equipment manufacturer, and son back in 2004.
The couple's combined annual salary was $33,000. But the purchase didn't require much of a financial stretch: The house cost $48,000. "If you have the credit score to do it, there's nothing that can stop you from buying a home in Youngstown," said Williams, whose plans for the house include a second bathroom.
A fallout from the real estate slump is that once again many homeowners are forced to look for homes that are within their budget. Access to cheap adjustable-rate mortgages gave many Americans the chance to live in homes that under normal circumstances they could have never afforded.
Click Here to Continue Reading This Article
The 80/20 Rule & Bartending
From Bartender Confessions
Have you ever heard of the 80/20 Rule? Also known as Pareto Principle, or the Law of a Vital Few, it states that 80% of the effects come from 20% of the causes. This simple, yet powerful Rule can apply to almost every aspect of your life. Today we are going to apply it to Bartending.
80/20 Bartending
This takes me back to last Saturday night’s bartending gig at a clients home. The event was actually a charity auction that took place on their tennis court. (Yes, they had a tennis court and a HUGE home!) Over 200 guests showed up to get drunk and bid on some ridiculous stuff-one LIVE auction item included Mike Eisner’s old Mighty Ducks Box seats and another was an Andy Warhol original.
I had a tip jar out and I was working my butt of to keep these thirsty guests happy. I was “in the zone” as I like to call it. Just as you finish pouring those last cocktails, another guest has given you a big order. You just have enough time to wipe your brow, clean your shaker and keep moving! The music is blasting behind you and everyone gathers to watch your hands move like lightening. I love it!
Click Here to Continue Reading This Article
Have you ever heard of the 80/20 Rule? Also known as Pareto Principle, or the Law of a Vital Few, it states that 80% of the effects come from 20% of the causes. This simple, yet powerful Rule can apply to almost every aspect of your life. Today we are going to apply it to Bartending.
80/20 Bartending
This takes me back to last Saturday night’s bartending gig at a clients home. The event was actually a charity auction that took place on their tennis court. (Yes, they had a tennis court and a HUGE home!) Over 200 guests showed up to get drunk and bid on some ridiculous stuff-one LIVE auction item included Mike Eisner’s old Mighty Ducks Box seats and another was an Andy Warhol original.
I had a tip jar out and I was working my butt of to keep these thirsty guests happy. I was “in the zone” as I like to call it. Just as you finish pouring those last cocktails, another guest has given you a big order. You just have enough time to wipe your brow, clean your shaker and keep moving! The music is blasting behind you and everyone gathers to watch your hands move like lightening. I love it!
Click Here to Continue Reading This Article
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