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I once read somewhere that home cooks have on average 21 meals that make up our repertoire of common family meals. I thought this was very interesting and set about to writing down what my 21 meals are. I actually came up with 23 meals that my family enjoys on a regular basis. By creating this list, I now know what I need to keep stocked in the pantry. You won’t have to stress over what’s for dinner tonight if all you need to do is to just take a look at your list! Feel free to add more than 21 meals to your list. The more you list, the easier it will be to come up with dinner tonight. This list is for your staple meals. It is not the place to add the meals you want to try out someday. Go ahead and do that if you want, but put your experimental recipes on a different list. Don’t worry if all you seem to come up with is just many different versions of Mac & Cheese!

Now that you have your 21 meals, this challenge will be a snap (or maybe just less painful)! One of the best strategies I know when it comes to meal planning is simply to plan ahead. I use a list that I call my Menu Planner to plan a pay period’s worth of meals (for me, that is every 1st and 15th of the month). My Menu Planner page is a list that shows the numbers 1 through 31 for every day of the month in the left-hand column. Next there is a Breakfast column, a column for Lunch, and the largest column for Dinner. Dinner is our family’s major meal so I am more specific for that column. Breakfast and lunch are more casual so I just list a few suggestions for me to refer to throughout the month. Feel free to refer often to your 21 meals list in order to help you fill in you Menu Planner.

My next step is to print out a grocery list and then I write every ingredient that I need from my Menu Planner into my Grocery List. Now when I go to the store, I get only what I need instead of what I MIGHT need at some point. That saves me money and it saves my refrigerator/freezer/pantry from having all kinds of odd and unnecessary items.

Mealtime with your family will be much more enjoyable when you take just a few steps to prepare. Challenge your family to help you create your Menu Planner list by asking them which meals they would like to enjoy in the next planning period (one week, two weeks, maybe even 1 month). When you get them involved, you are more likely to have greater success throughout the dinner experience.

Jennifer Tankersley is the creator of www.listplanit.com http://www.listplanit.com where you can find a Menu Planner and several grocery lists and over 200 other lists, checklists, and planning pages to help you put your world in order.

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Bank Account - One of the first places to start with asset protection is with an offshore bank account in a favorable jurisdiction. A favorable jurisdiction is one in which bank secrecy laws are in place without a lot of loopholes found in many formerly good jurisdictions that have gone bad. Bank secrecy laws in Panama call for prison sentences and/or fines for any bank employee, officer or owner who divulges any information about a bank account or account holder(s). This generally tends to curtail any leaks of information. The only way the bank can legally divulge any information about you or any bank account associated with you is by court order from a court in Panama. Panama has no tax treaties with any country, does not allow any fishing expeditions from foreign governments, all tax offenses in Panama are civil offenses not criminal and Panama does not pursue fiscal offenses.

In the USA most private detectives have little or no trouble getting bank account information for clients. Their methods are highly illegal but we never hear of any of them getting prosecuted. There are some offshore jurisdictions which tout bank secrecy but there are no laws on the books concerning this matter. This is the case with a fairly popular Caribbean jurisdiction, Belize.

For more information on Panama Bank Accounts click here:
panamalaw.org/offshore_bank_account.html http://panamalaw.org/offshore_bank_account.html

Panama Anonymous Bearer Share Corporation - This is your second layer of protection. In Panama there is no recording of the owners of the bearer share corporation anywhere. There is no registry to look such things up in with or without any court order. The ownership of the corporation is based on the physical ownership of the stock certificates. These corporations are 100% anonymous. This means when wires travel through the various wire systems no one can determine who the natural persons are behind the corporation. If you title real estate to the corporation it makes the real estate anonymous. The corporation can also own boats, cars, collectibles, and stock trading accounts in addition to bank accounts.

For more information on Anonymous Panama Corporations click here:
panamalaw.org/bearer_share_corperation.html http://panamalaw.org/bearer_share_corperation.html

Panama Private Interest Foundation - The third piece of your asset protection structure is an anonymous Panama Foundation. One of the nice things about Foundations is they have no owner. They are anonymous and the foundation can have confidential instructions to carry out the detailed wishes of the founder. It is like a will and trust in one only better. If you have your Panama Foundation own your bearer share corporation it positions you to say you do not own the corporation because the Foundation does and you could say you do not own the Foundation as well. Remember the other side would probably never figure out who owns the corporation, in other words they may never have any idea that the foundation exists. If the foundation has a name unrelated to you why would they assume it is yours? In Panama the assets of a Panama Foundation are not subject to sequestering, which means the bank account can not be frozen pending some court case.

For more information on Panama Foundations click here:
panamalaw.org/panama_foundations.html http://panamalaw.org/panama_foundations.html
panamalaw.org/bullet_proof_asset_protection.html http://panamalaw.org/bullet_proof_asset_protection.html

Governmental Pursuit of Funds

What happens if the government of some country attempts to attach your money in Panama? The world is full of dictatorships and non-democratic regimes. Well this again is a different matter. These cases start with a request for information. The request is made through the embassy officials in the bank’s country. It is a formal procedure requiring the requesting country to cite specific reasons for the information which usually means providing evidence of a criminal case filed in their criminal court system pertaining to a handful of serious crimes in cases concerning Panama (real serious money laundering, narcotics trafficking, child pornography and terrorism). The country would have to show Panama why they need this information, why it is essential to the case and explain why the information can not be obtained any other way. These requests are not favored by Panama and they will comply if the T’s are crossed and the I’s dotted. It usually takes from 6 months to two years for such requests to be granted, if they are granted at all. Granting such requests for a non-criminal case does not fit the terms of the MLAT. The offense concerning the criminal case in the courts of the requesting country must also be a crime in Panama. All tax offenses in Panama are civil, not criminal.

The courts in Panama would eventually issue an order if they felt the requirements were satisfied which the Panama police would fulfill by getting the bank records and they would deliver the information to the requesting country’s embassy. An order typically is for information only. A request to actually tie up the funds in the bank is much rarer and harder to obtain. Panama would not respond to a government that is not a national government such as a city, state or province, or territory. Let me give you a hypothetical example. The bank officer gets a phone call from an attorney representing the state of Texas. The state attorney says he is inquiring about a Mr. John Brown bank account and identifies the John Brown he is interested in. The bank officer then says Sir I am sorry but if I even acknowledged that we did or did not have an account for such a person I would be a criminal under the laws of my country and then politely gets off the phone fast. Or the bank employee can say something like “You don’t want to make me a criminal, do you”. The flustered state attorney would then say well I have a court order for this information, to which the bank employee would respond that the order has no authority in my country or at this bank. See how it works. If the attorney sends the bank a subpoena it winds up in the shredder with no contact to the agency sending the subpoena. If pushed the bank would say they had no idea who sent the subpoena, whether or not is was counterfeit or real, and their laws do not require them to respond since the subpoena was without authority in Panama and it would thus be illegal for the bank to respond. They would not even respond to say they are not going to respond. So if a national government requests information regarding a serious criminal matter (that is also a crime in Panama) using the proper channels in government on both sides and it is one of the four categories of crimes, then it has a chance of eventually being complied with assuming they push hard enough. In Panama all tax violations are not crimes just civil offenses. If it is a civil matter from another country, it will almost assuredly never result in any information being produced. If private attorneys or local (non-national) courts request information or action the chances of anything coming of it are just about zero.

For further information click here:
panamalaw.org/usa_asset_protection.html http://panamalaw.org/usa_asset_protection.html
panamalaw.org/compare_offshore_jurisdictions.html http://panamalaw.org/compare_offshore_jurisdictions.html

Panama as a Tax Haven Considerations:

Another aspect of a favorable jurisdiction like Panama is that there is no income tax applicable to you, your corporation, or foundation if you chose to use one. In Panama there is no income tax corporate or personal for offshore derived income, no inheritance tax, no probate tax, no capital gains tax, etc. This of course eliminates any filing requirements with Panama and by default eliminates any chance of a return being audited. Panama companies which do not carry out activities within the Panamanian territory and which do not obtain income from a Panamanian source, are only subject to the payment of a fixed annual tax of $300.00 dollars. It doesn’t get any better than this and even if you have an office in Panama, Phone in Panama, Bank Account in Panama etc. this does not change anything as long as your income is derived from outside of Panama. Examples: You have a website and conduct e-commerce and sell goods/services from a Panama Server but to people who are all not in Panama then you are good in that all your income is offshore derived, you are just collecting it in Panama but it is coming in from non-Panamanian sources. You have a restaurant in Panama - whoops no good now you are conducting business in Panama and your income is from Panama people. Where your company is domiciled is not the key, the key is where your income comes from.

For more information click here:
panamalaw.org/attributes.html http://panamalaw.org/attributes.html

Banking Privacy

One of the greatest advantages of having an offshore bank account in a favorable jurisdiction like Panama is that no one needs to know it exists. The bank does not check with any credit bureaus or like agencies since that would violate the bank secrecy laws of their country. So the chance of anyone knowing you have the account is pretty low especially if you check your statement online. We always advocate never having bank statements mailed to your home country. Panama bank secrecy is very tight, actually the best in the world right now. If a Panama Bank were to release any information pertaining to you and or your bank account without your authorization it would be a criminal and civil penalty they would be facing plus you could sue the bank for any damages as a result of such an occurrence.

For more information click here:
panamalaw.org/offshore_bank_account.html http://panamalaw.org/offshore_bank_account.html
panamalaw.org/tutorial_offshore_bank_account.html http://panamalaw.org/tutorial_offshore_bank_account.html

Personal Bank Accounts

Today you will need to show some form of identification to any bank in the world to have your name as a signatory or beneficial owner on any bank account. This is a universal treaty that is complied with all over the world. The ID required typically takes the form of a photocopy of a passport and is notarized. Sometimes it can be faxed in, sometimes mailed or courier sent, all depending on the bank involved. The days of unidentifiable numbered bank accounts are long gone. If you hear of a bank that will open an account without identification rest assured it is not a real bank. The same for Visa or MasterCard, they always require the same type of identification as the bank account. Anonymous Visa or MasterCards is something that no longer exists. Same with corporate credit cards. Now they always have to have a persons name on them in addition to the corporate name. This is mostly so a store clerk can ask for ID to prevent use of stolen credit cards. ATM cards are often issued anonymously with no name on the card. Some do use this type of account as a sort of anonymous bank account having funds wired into these ATM accounts but this is not a solid solution and does not take the place of a real bank account since funds can only be taken out via ATM machines and your ATM account is normally just a sub-account of the master account holder who really has control over your money. It is always safer and easier to open up a bank account using a corporation. Remember the money in the corporate bank account belongs to the corporation in Panama and it will be difficult for a financial enemy to attempt to transfer a personal debt over to a corporation. Just proving you in fact do own an Anonymous Panama Bearer Share Company can be a major hurdle that stops a lot of litigation before it starts. Having a Panama foundation own the corporation makes this even harder for potential financial enemies since you could then say you do not own the corporation and since a Panama Foundation has no owner you would not be lying. They will face a tough burden of proof, a statue of limitations, substantial legal expense, years in court and many other obstacles trying to collect personal debts from a Panama Corporation or Foundation, especially when both are used. Remember assets like bank accounts belonging to Panama Foundations are not sequesterable in Panama which means the other side can not post a bond and get the judge to freeze the bank account pending the outcome of the trial. So this means the other side comes to Panama, hires an attorney here (expensive) starts the action and then guess what, you may be inclined to move the Foundation assets elsewhere during the trial so if the other side gets a court judgment in Panama and you no longer have assets in Panama what good does the judgment do them? Now this is assuming your financial enemies even know about the Foundation. It is not common to see such lawsuits.

Ronald Edwards is a researcher, with years of experience in finances and real estate.

AP - Prince William is heading to the azure waters of the Caribbean as part of a two-month deployment in the Royal Navy despite his request to be as close as possible to conflict.

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Have you ever wondered “can’t I just perform search engine optimization in-house?” The answer is a resounding “yes, you can,” but there are many things to consider prior to starting your own in-house SEO program. If everything does not line up at the moment, it may be a wiser decision to bring in an outsider to optimize your website properly. Let’s look at some common considerations.

The initial question you should ask yourself prior to undertaking an in-house SEO program is “do I currently have the staff expertise to tackle SEO effectively?” Good candidates for SEO have traits such as: good research skills, learns quickly, high attention to detail, adapts well to change, enjoys solving fairly complex puzzles, is technologically savvy, and isn’t afraid to try various approaches to solve a problem. If you do not spot these basic traits in someone on your staff which could transition smoothly into an SEO role, it might be wise to look externally for some help.

If there is no one obvious on board currently, who else might be an ideal choice within your organizational ranks to learn SEO? Perhaps training someone that is unhappy in their current role, yet is still considered an asset to the organization, may provide a good opportunity to transition that person over to an important new role. Maybe there is someone that is very intelligent which isn’t so happy dealing with people on a regular basis-they may make a good candidate also.

Once you have a candidate or team sketched out, how will you train them? There are several places to look for training and several sources of basic information, but it may be best to hire an outside firm with the sole purpose of training some of your people as they perform the actual services. Many reputable firms will agree to this type of arrangement provided you are clear with your objectives early on in the relationship, and you set a realistic timeframe. This presents a potential win-win outcome in many cases because the outside firm can lay claim to improved ratings as a result of your partnership, and you can build your new team while sharing in the publicity your site brings to both parties. Keep in mind it can take anywhere from two solid months to a year to get someone up to snuff so don’t expect miracles overnight just because you’ve pegged some folks to take on this role. If someone is really passionate about learning, the curve can be shorter, but that is an exception rather than a rule. Most people are resistant to change which means they won’t fully invest of themselves immediately.

Lastly, are SEO tasks performed in-house really cost effective for your organization at this stage of the game? Many SEO firms charge, on average, anywhere from $2,000-10,000 per month to perform their services. That’s a somewhat broad price range, but it takes into account several factors such as: how competitive are the keywords you’re wanting to rank well for, how many high ranking back-links might it take to improve your site’s ranking, will original content generation be a major factor, how well does the site rank today, how long until consistent results may be evident, and so forth. SEO is not a quick fix project and should be viewed as a long range strategic investment versus a one-time project.

If, after reading over this brief list of considerations, you even slightly believe it would be of greater long-term benefit to your company to hire an external firm, it might save some headaches down the road to just bite the bullet and hire someone now. SEO can definitely be done in house, but it takes appropriate planning and allocation of resources just like anything else.

Roger Bauer is Founder and CEO of SMB Consulting, Inc., a Louisville, Kentucky based small business consulting firm specializing in internet marketing, Search Engine Optimization (SEO), technology, and business analysis. To learn more, point your browser to smbconsultinginc.com http://smbconsultinginc.com .

Broadcasters’ conference showcases cutting edge technology, as well as cutting words from keynote speaker Tim Robbins

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There are over 700 islands in the Bahamas (including some very little ones) that are located in the West Indies. Since the 1970’s it has been an independent country, and is still part of the Commonwealth which is technically ruled by Elizabeth II (Queen of England). Because of its colonial heritage you will find that the official language of the islands is still English and because it is widely spoken throughout the islands still it has been a key factor in helping the country to flourish and so become a favourite with the many people who traveled to it on vacation from the USA.

The biggest 2 islands in the Bahamas are Grand Bahama and New Providence which is where the capital Nassau is located. The largest employer of over half the population of Bahamians is tourism and especially the 2 largest islands certainly feel like one big tourist resort. If you prefer a vacation that is offering comfort then it is suggested that you take your vacation on one of the bigger islands in the Bahamas and if you want something with a bit more adventure then try one of the smaller ones.

Because the Bahamians are very proud of their traditions such as their music styles, which involves large brass bands you will often find these playing in the streets and traditional foods such as pineapple and crab will often be eaten at large festivals held at about the time of the harvest.

They also enjoy boat racing, holding regattas and other boat related pastimes as well as cricket and athletics. If you happen to visit some of the smaller islands you will still see that traditional arts and crafts are still practiced, although they sell most of these to the tourists nowadays, which means you are able to purchase a beautifully hand woven basket or other items at a very good price in some places.

But should you decide to visit the Bahamas, check the hurricane forecasts for the near future. Certainly in 1992, 1999, 2004 and 2005 the Bahamas was hit by a number of hurricanes in which many people died.

Allison Thompson a work from home mum who has set up a site which provides information on all aspects of travelling to and taking a holiday in the Bahamas. If you would like to learn more about this beautiful country then please visit www.bahamas.wiki101.info http://www.bahamas.wiki101.info .

AP - Homeland Security Secretary Michael Chertoff is downplaying the idea of a nuclear attack by terrorists after recent postings on al-Qaida-affiliated Web sites exhorted militants to pursue weapons of mass destruction for use against the U.S.

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Imagine this…

You walk into a department store to purchase something you need. Then the friendly young person at the cash register says, You can save 20% off your purchases today if you apply for our store credit card right now.

Save 20%? Wow! Sounds like a great deal, doesn’t it? But let’s take a look at what really happens to your credit when you give in to that temptation.

How Department Store Credit Cards Work

First of all, you have to remember that the young clerk, who barely looks old enough to drive, doesn’t understand how the system works. They just focus on how many applications they can sell during the holiday season. Clerks who sign up the most people get some kind of bonus in return-usually cash or company merchandise.

Let’s assume you agree and fill out a credit application. The clerk presses a few buttons and processes it on the spot. (Guess how? Yup, by quickly making a decision based on how high one of your FICO credit scores is.) This is called instant credit. You see, retailers know that the best time to sell you something is while you’re still in the store.

Whether or not you get approved, you have a credit inquiry from that store on your credit reports.

Your FICO Scores Can Plummet Up to 12 Points Per Inquiry

According to our research, each credit inquiry can lower a person’s credit scores up to 12 points. And here’s the kicker…EACH department store credit inquiry will affect your scores for 12 months. That’s 1 year! 365 days! 8,760 hours!

Let me repeat that: EACH inquiry from any retail store will count against your credit scores. Sometimes you end up going to 8, 10, or 20 different stores. If you’re applying for cards at all those stores, your scores are going to take a major dive.

Meanwhile, Back at the Department Store…

The young person behind the register suddenly announces (loudly, of course) that you were denied credit, gives you a receipt, and says, Thank you, please shop with us again. You walk out of the store rejected. Not to mention embarrassed-and you didn’t even save any money because you have to actually qualify for the card to save the 20%. Punks.

What went wrong?

You weren’t prepared.

I remember the fear that ran through me every time I filled out a department store credit application after my bankruptcy. I would actually wait until there was no one in line at the cashier! That way, if I got declined at least I wouldn’t get too embarrassed.

In the Snyder household, we don’t apply for this type of credit anymore. It was one of the reasons we filed bankruptcy 12 years ago. So we stay clear of department store credit. It’s expensive credit (the interest rates usually hover around 23%) and it’s too tempting and too easy to go into debt.

And the worst thing about department store credit is that the negative impact of the inquiries will last 12 months…so any store credit card applications you fill out will haunt you for the next year. It can be a vicious cycle if you don’t break it. You can do it…break the cycle.

There’s very little a retail store credit card can do for you that your normal VISA or MasterCard can’t. I should know…before I filed bankruptcy I was the king of buying on store credit! The more store credit I got, the more successful I felt. I don’t do that anymore. Now I know better. And so should you.

Who you are isn’t determined by how many credit cards you get approved for. Do you even need their credit card? Is saving 20% of $50 really worth the trouble? (Seriously, do the math…10 bucks is all you would save.) Remember, whether you get approved or declined, your credit scores are going to take a hit. And when you’re recovering from bankruptcy with credit scores that are already low, every point counts.

The Best Way to Apply for a Department Store Credit Card

But let’s assume you’re smarter and more responsible than I was when I was younger, and that you’ve never had a problem with spending more than you can afford (after all, we don’t all go bankrupt because of overspending). Here’s how to properly master this process.

1. Find out what their credit guidelines are. Specifically, you want to know what credit reporting agency they use to make a lending decision and what minimum FICO credit score is required to get approved. Don’t bother asking the young people at the checkout register-they won’t have a clue. Your best bet is to call someone in the store’s credit department.

2. Know all three of your FICO credit scores. You can purchase them through www.myfico.com/12. This way, if the credit card issuer tells you their credit guidelines, you’ll know whether you’ll qualify or not.

3. If the credit card issuer cannot give you straight answers to the questions you’re asking, then talk to another person within the department that will. If no one will tell you what you need, you’re either not asking the right people, or you should take it as a sign you shouldn’t be applying for that credit card.

By knowing the retailer’s credit guidelines and your FICO credit scores you can apply for credit with confidence.

Last Words…

Of course, it’s easy to get caught up in the joy of bringing a smile to someone’s face when you think you’re being a good parent or spouse by spending more than you can afford on credit. You must remember, the joy your children will get from a bunch of small gifts now will be multiplied by a hundred when you’re financially stable enough to pay for their college education…or buy them their first car…or help them with a down payment on a new home. Plus, your financial responsibility will set a great example for your children.

The bottom line is: you need to think twice about the negative effect credit inquiries have on your ability to finance more important things such as mortgages, home equity loans, new cars…not to mention your insurance premiums could skyrocket!

Stephen Snyder is the founder and president of the After Bankruptcy Foundation ( www.AfterBankruptcy.org http://www.AfterBankruptcy.org ), a non-profit organization that provides free resources for helping people recover from bankruptcy ( www.LifeAfterBankruptcy http://www.LifeAfterBankruptcy ). Stephen is also an author, speaker and leading authority on bankruptcy recovery and credit scoring.

Reuters - Former Federal Reserve Chairman Alan Greenspan said on Friday that he does not expect another “bubble” in world markets for a long time, and that central banks at any rate do not control the long-term interest rates that can be related to bubbles.

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Dogs can exist on a diet of meat, fruit, and vegetables. The benefits of supplements are overwhelming and can add several healthy years to your dog’s life. Lifestyle and the foods and nutrients our pets receive make up 70 percent of their longevity, and 80-90 percent of the diseases in dogs are due to the degenerative processes that come with aging.

Major health changes occur in a short amount of time in dogs, as they age seven times faster than people (on the average). Aging is a process in which the body’s systems deteriorate faster than the body can repair them, and dogs have different nutritional needs at different life stages.

Supplements can pick up where dog foods leave off with the added benefit that some medical conditions, like arthritis, and hip dysphasia can be treated with supplements. Vitamins such as A, B1, and Folic Acid; and minerals like potassium probiotics can help dog’s live longer, healthier lives. The ideal supplements for your dog are those targeted to your dog’s particular health needs, as determined by your vet.

Supplements are available in many forms, including liquid, pill, and powder forms. Features to consider in dog supplements are; the ingredients, efficacy , form-powder, pill or liquid, easy to give, veterinarian approved, and most important, appropriate for the age, weight, breed, and health of your pet.

Always remember to consult your veterinarian before choosing or giving supplements to your pet. Make sure the supplements you choose are for dogs, not cats or people, there are differences, and a follow-up exam by your veterinarian would give you a better indication of how well your dog’s metabolism is benefiting from the supplements. Once the ideal supplement is found, regular use is the key to success for good health.

Supplements can be the key to good health for your pet. But remember to always use them in moderation and do not mix supplements, this could be potentially dangerous to your pet.

Randy Jones and his partner Brent Jones have been in the pet industry for a long time. Recently they formed www.joncopets.com http://www.joncopets.com . On the site, customers can read articles about anything pets as well as shop for the latest pet supplies, dog collars and more.

AFP - Democrat Barack Obama and Republican John McCain fought a fierce political duel over Iraq Friday, in the latest testy escalation of their fast-evolving White House race.

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Healthy eating means enjoying a variety of foods in the right portions. There is room for all types of food; each one adding its own goodness. Having a varied diet ensures you get all nutrients you require to stay healthy and bursting energy.

We said enjoying; meaning you will have the benefit of an increased feeling of well being; and meaning you won’t need to give up any favorite foods, keep just for treats anything not bringing in essential nutrients or health benefits.

The first step you should take for healthy eating is balancing your food needs and lifestyle. It is a simple equation: energy in must equal energy out. Eating more leads to excessive weight gain. Eat less and you’ll feel tired.

Everyone could benefit from more fruits and vegetables. They provide essential vitamins and minerals, and the all important antioxidants. Start simple. Take the five a day challenge first. When you have reached your five a day goal, you can think of the seven a day, or nine a day. It is not that difficult. There are many ways to add fruit or vegetables to a meal.

At breakfast, you can top cereal, granola, muesli or pancakes with fresh berries or dried fruit. Fruit compote is a great sweetener for yogurt, and healthy too. Grapefruit, banana, or apple slices are great on toast. Whatever you eat, remember: don’t skip breakfast.

Try to swap fruit for cookies or pie as snacks. Dried fruit makes an excellent snack with lots of fiber. Always include fresh fruit in packed lunches. Salads, any season, are another good lunch option.

At dinner, ask for extra vegetables, as pizza toppings or with pasta. Add carrots, leeks, and onions to casseroles.

Use pureed vegetables to thicken gravy. Frozen vegetables are almost as good as fresh; use them when you are pressed for time.

Count whole grain cereals as an excellent source of fiber, which will keep you satisfied for longer, leaving less room for fatty foods. Fiber in your diet will significantly reduce your risk of disease; it is worth it. Whole grain cereals are also an important source of B vitamins, the ones that help to extract energy from food.

Most of us should reduce the amount of fat we have. Low fat and control are the key words. Switch to unsaturated oils - olive oil is best- if you have not already done so. Add salad to your sandwiches and skip the butter. Try cottage cheese and jelly on toast, instead of butter. There is really no need for butter if the topping is moist.

Cottage cheese or low fat yogurt with herbs and spices make wonderful toppings for salads or baked potatoes. Try a baked potato topped with cottage cheese and chives for lunch or supper.

Lower the amount of salt you have, aiming for one tea spoon a day maximum, including salt in processed food. Herbs and spices will give flavor and aroma, reducing the need for salt.

Drink 6 to 8 cups of liquid every day. One cup of juice adds to your fruit and vegetable count. One cup of milk will boost your calcium intake. One or two cups of tea, or coffee, provide antioxidants. Nevertheless, drink water the most. Sodas should be just an occasional treat. If you like alcohol, have small amounts regularly, always with food. A moderate consumption is 1 cup wine or 2 cups beer for women, 2 cups wine or 3 to 4 cups beer for men in a day. Regularly does not mean daily; there is no need to drink alcohol every day.

Now that you have a healthy diet, remember to eat at steady intervals during the day, to keep your stamina. There are only two more factors to include for maximum benefit: exercise and sleep. Be sure to get enough sleep, around 7 hours -anything between 6 and 8 hours- for adults. Teenagers need more sleep hours than full grown adults, and children even more. Keep moving when you are awake. Though exercise is not food, consider it equally essential to your well being; we will never stress enough the importance of exercise in any healthy diet.

How much you will have to change your habits depend on how you eat now, but it is worth. Healthy eating will lead to more energy, weight loss -keeping it off- and prevention of disease. Plus healthy eating is delicious and fun when it is done right.

Anne Ehmer is passionate about food. Her stimulating ideas and recipes are registered in the web site www.all-foods-natural.com http://www.all-foods-natural.com

AFP - Thousands of supporters of Shiite cleric Moqtada al-Sadr demonstrated in Baghdad and elsewhere in Iraq after Friday prayers to denounce a government deal with Washington on US troop levels.

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Positive dog training was developed under the principles of Skinner’s operant conditioning. While it’s not a new technique, it didn’t get enough popularity until the nineties.

Former students of Skinner, psychologists Keller and Marian Breland, pioneered commercial applications of operant conditioning when they created Animal Behavior Enterprises (ABE) on 1942. ABE was the first company that offered positive training services.

The huge popularity of traditional training prevented ABE to succeed in dog training. So, the Breland’s company was forced to look for new niches and ABE got focused on training animals for TV shows and commercials. Keller and Marian also pioneered dolphin training for aquaria and US navy.

Positive reinforcement is the main teaching way of these techniques. Positive reinforcement is not the same as reward, though this is a common misconception.

Positive reinforcement is the process that strengthens a behavior because a pleasant situation occurs as a consequence of that particular behavior. For instance, if you give a food treat to your dog when he lies down, he will tend to lie down more frequently to get that delicious treat. Thus, your dog will be learning to lie down through positive reinforcement.

On the other hand, if your dog lies down and you reward him after 10 seconds, he may not associate the action of lying down with the reward. He may think you gave him the treat because he was looking up, or moving his ears. So, you rewarded your dog but you didn’t reinforce the desired behavior.

Some people think that positive trainers never teach to the dog that a particular behavior is unacceptable. This is a common and big misinterpretation. Practitioners of positive training do teach this to dogs, but they don’t use punishment or negative reinforcement for that.

Clicker training is the most popular of these techniques in many countries. It is the same technique used by Keller and Marian Breland, and was popularized by the biologist and dolphin trainer Karen Pryor.

The main difference between clicker training and other positive techniques is the use of a clicker in the former. A clicker is just a small device that emits a click-click sound when squeezed. It is used to mark the exact moment in which the dog performed a desired behavior.

The absolute absence of negative reinforcement, punishment and training collars (choke, prong or shock) make of positive dog training a very friendly technique to both dogs and owners. This could be the main advantage of this kind of training.

Other advantages are that positive dog training is easy to understand and fun to carry out. Besides, these techniques are not only focused on obedience exercises. Instead, they are widely used to solve behavioral problems.

Detractors of these techniques claim that dogs trained in a positive way won’t be able to respond properly unless they can see (or scent) a food treat. These people also claim that positive trained behaviors are not reliable under variable circumstances.

Although very common, those claims are not true. The efficacy of positive training is demonstrated each day by hundreds of service dogs for disabled people, police dogs, competition dogs and performing dogs.

Rodrigo Trigosso is a biologist and professional dog trainer. His website www.dog-training-tutorial.com http://www.dog-training-tutorial.com provides great info on canine training and behavior.

Reuters - A veteran sumo wrestler who attacked ajunior grappler with a cooking instrument has been ordered totake a salary cut for his violent outburst.

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While looking for home mortgage loans, you find yourself entitled for lower interest rates if you have healthy credit scores. However, don’t assume you will get only a costly loan if you have some credit problems that arose due to illness, or temporary unemployment. You can explain the situation to your lender and chances are higher you will get a less expensive home mortgage. The key here is to open yourself up to available mortgage choices and willingness to do some bargain. Before you submit a loan application be aware of your credit standing by checking your latest credit score with any of the credit rating agencies - Equifax, TransUnion or Experian.

In fact, home loans or mortgages are available from banks and thrift companies, mortgage companies, and other financial institutions. Credit unions are also a good source for finding a good home mortgage deal. Shop around to find the best deal. Get details of home mortgage plans by different financial institutions. You can always bargain your way to lower initial payments, fees, and other associated expenses that come in different names.

Including a mortgage broker includes some extra money paid as commission, but it is a good recommendable option. Such a broker will be knowledgeable about interest rates, fees, and other expenses associated with specific home mortgage schemes and will connect you to different lenders. Negotiating with a home mortgage broker can also, in most cases reduce the interest rate. A reduction by 0.5 % or even 0.25 % can make a difference in your monthly pay, which adds up to a good some in a year and major savings by the time you finish paying off the loan. However you are not obliged to any person or firm, and the thing to look for is lowest interest rates, monthly pay, and low to little late payment fee.

Private mortgage insurance (PMI) is a good option you should explore while applying for a home loan. This is actually a way to ensure that the lender doesn’t lose money, in case you fail to pay the loan amount. You require PMI whenever you take a loan for more than 80% of the appraised value of the property. This will however put the lender in a more relaxed state to release loan for your property buying requirements. You can in turn build up any loss in credit score during the tenure of the loan. However you continue to pay monthly PMI terms till you own 23 % of total equity or in other words, till you pay 23% of total value of the property - the mark is not 20%.

Copyright © 2006 Joel Teo. All rights reserved. (You may publish this article in its entirety with the following author’s information with live links only.)

Joel Teo writes on various financial topics relating to arizona estate goodyear investment real. Signup for his free online Real Estate Investing newsletter today and gain access to the “Six Day Real Estate Investment Profits Course” now at www.realestateinvestment101.info/Arizona.html http://www.realestateinvestment101.info/Arizona.html

AP - Senate candidate Al Franken’s satirical and explicit take on virtual sex and other topics, published in Playboy magazine eight years ago, is drawing concern instead of laughter from some Minnesota Democrats.

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(Pease see Part One for entire article)

TAX AND ASSET PROTECTION CHOICES -
POSSIBLE CONTRADICTIONS?

POINT # 4: When trying to choose a business entity: BE WARNED! There are a number of opinions out there depending on who you ask. I’ll try to make this really simple so remember the following: You are fighting two battles. The business and tax structure you choose is your weapon/protector. WHAT ARE THESE TWO BATTLES?: 1) a tax battle and 2) a liability or asset protection battle. In other words, when you choose a business structure type (corporation, LLC, limited partnership) the choice for the real estate investor will depend on the tax issues which are associated with the business, and how well the business structure protects personal assets from the activities of the business. Certain structures can protect the assets of the business from personal liabilities (please see my article, ‘Corporations and Limited Liability Companies (LLC’s): Charging Orders and the Differences in Protection’.

Most real estate investors will go to their attorney in order to find out which business structure makes the most sense from a legal standpoint. Usually the main question is, “Mr. Lawyer or Ms. Lawyer which business structure will protect my personal assets if my business is sued?”.

Later that week, the same investor also travel across town to an accountant’s office and ask, “Mr. Accountant or Ms. Accountant, which business structure will save me the most in taxes?”.

Notice a few things:

1) There could be different answers. Most attorneys will have a dynamite understanding of the legal issues (in this instance personal liability protection issues), however they may not be as informed on the complex tax issues associated with real estate or other industries. So their answer may be help you from a liability standpoint, but hurt you from a tax standpoint.

2) The same is true regarding the accountant. They may have great choice for you when it comes to taxes, but a bad choice when it comes to personal liability protection. Usually, the biggest trap comes in the form of a good liability protection choice, but a horrible tax choice. This is especially true in real estate.

If you ever receive conflicting advice be sure to understand exactly why it is conflicting. For example, are there really contradictions or perhaps is the professional giving you legal advice, but not considering the tax issues. The same is true regarding tax advice. I like to say that you need to educate yourself on all the options available and some of the most common issues and structures that investors like yourself use - day in and day out.

POINT # 5: All professionals are not created equally. In order choose a capable attorney or accountant you need to be able to evaluate them. How do you do this? An excellent way is to ask them questions which relate specifically to your business/industry. While some investors have a pretty good understanding of the tax and liability issues…many do not. Because of this many business owners choose an inadequate attorney or accountant for their business. After all how can you evaluate the accountant or the attorney for you if you don’t understand all your options? How can you really ask pertinent questions? How can you evaluate their skill level? How can you really be sure what they are telling you is up-to-date?

You really need to have some knowledge before you walk into the plush law or accounting office. It will not only help you make the right choices, but it can also SAVE YOU MONEY! If the attorney does not have to create an entire set of forms for you…then you will save several hundred dollars or more. If you have run your entity properly and understood accounting rules and IRS requirements, then there is less work for the accountant to do. With the right information you can choose the best professional and usually save a good deal in professional fees. You make your life and their job easier! Get educated first!

To learn which mistakes to avoid, how to create, run, and maintain an ‘iron clad’ LLC or corporation please see Mr. Barazandeh’s, Wealth Building LLC ? and Incorporate for Wealth? courses at www.theinformedinvestor.com http://www.theinformedinvestor.com and www.attorneysecrets.com http://www.attorneysecrets.com . (We even cover evaluating professionals and sample structures for different businesses and anticipated revenue projections!)

I want to wish you all the best in your business and email me if you ever need help: taxenterprises@yahoo.com taxenterprises@yahoo.com

As a licensed attorney and former business consultant, Mr. Darius Barazandeh brings a high level a professionalism teamed with in-depth legal and business knowledge to the world of real estate coaching and training.

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