This is REALLY GOOD.
Thursday, February 14, 2013
Saturday, February 9, 2013
THE BANANAS with dark patches
THE BANANAS with dark patches on yellow skin - Anti Deadly Cancer !
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Keep a bag of flour in your fridge
Some time ago I was cooking some corn and stuck my fork in the boiling water to see if the corn was ready. I missed and my hand went into the boiling water....A friend of mine, who was a Vietnam vet, came into
the house, just as I was screaming, and asked me if I had some plain old flour... I pulled out a bag and he stuck my hand in it. He told me to keep my hand in the flour for 10 minutes which I did. He said that in Vietnam, there was a guy on fire and in their panic, they threw a bag of flour all over him to put the fire out...Well, it not only put the fire out, but he never even had a blister!!!!
... Long story short, I put my hand in the bag of flour for 10 mins, pulled it out and did not even have a red mark or a blister and absolutely NO PAIN. Now, I keep a bag of flour in the fridge and every time I burn myself. *Cold flour feels even better than room temperature flour.
I use the flour and have never ONCE had I ever had even a red
spot/burn mark, or a blister! I even burnt my tongue once, put the flour on it for about 10 minutes .... the pain was gone and no burn.
Try it . . . Experience a miracle! Keep a bag of flour in your fridge and you will be happy you did!
BTW, don't run your burn area under cold water first, just put it directly into the flour for 10 minutes.
Friday, February 8, 2013
"The Size Of Your Heart"
It isn't the size of your house as such,
That matters so much at all;
It's the gentle hand and it's loving touch,
That make it great or small.
The friends who come and the hour they go,
Who out of your house depart;
Will judge it not by the style you show,
But rather -- by the size of your heart.
It isn't the size of your head so much,
It isn't the wealth you found;
What will make you happy is how you touch,
The other lives that are all around.
For making money is not hard,
To live life well is an art:
How people love you and how they regard,
Is all in the size of your heart.
Sunday, January 20, 2013
New way of STEALING...
New way of STEALING...
ESPECIALLY LOOK AT SCENE THREE...
Be sure to read Scene 3. Quite interesting.
This is a new one. People sure stay busy
Trying to cheat us, don't they?
SCENE 1.
A friend went to the local gym and placed his belongings in the
locker. After the
workout and a shower, he came out, saw the locker open, and thought
to himself,
'Funny, I thought I locked the locker...
Hmm, 'He dressed and just flipped the wallet to make sure all was in
order.
Everything looked okay - all cards were in place...
A few weeks later his credit card bill came - a whooping bill of
$14,000!
He called the credit card company and started yelling at them,
saying that he did
not make the transactions.
Customer care personnel verified that there was no mistake in the
system and
asked if his card had been stolen...
'No,' he said, but then took out his wallet, pulled out the credit
card, and yep -
you guessed it - a switch had been made.
An expired similar credit card from the same bank was in the wallet.
The thief broke into his locker at the gym and switched cards.
Verdict: The credit card issuer said since he did not report the
card missing
earlier, he would have to pay the amount owed to them.
How much did he have to pay for items he did not buy?
$9,000! Why were there no calls made to verify the amount swiped?
Small amounts rarely trigger a 'warning bell' with some credit card
companies. It just so happens that all the small amounts added up to
big one!
============================
SCENE 2.
A man at a local restaurant paid for his meal with his credit card.
The bill for the meal came, he signed it and the waitress folded the
receipt and
passed the credit card along.
Usually, he would just take it and place it in his wallet or pocket.
Funny enough,
though, he actually took a look at the card and, lo and behold, it
was the expired
card of another person.
He called the waitress and she looked perplexed.
She took it back, apologized, and hurried back to the counter under
the watchful eye of the
man.
All the waitress did while walking to the counter was wave the wrong
expired card to the
counter cashier, and the counter cashier immediately looked down and
took out the real card.
No exchange of words --- nothing! She took it and came back to the
man with an apology..
(This scenario actually happened to me at a local restaurant- Falls
Terrace-between the waitress
and the front desk cashier.)
Verdict: Make sure the credit cards in your wallet are yours.
Check the name on the card every time you sign for something and/or
the card is taken
away for even a short period of time.
Many people just take back the credit card without even looking at
it, 'assuming'
that it has to be theirs.
FOR YOUR OWN SAKE, DEVELOP THE HABIT OF CHECKING YOUR CREDIT CARD
EACH
TIME IT IS RETURNED TO YOU AFTER A TRANSACTION!
==========================
SCENE 3:
Yesterday I went into a pizza restaurant to pick up an order that I
had called in.
I paid by using my Visa Check Card which, of course, is linked
directly to my checking
Account.
The young man behind the counter took my card, swiped it, then laid
it on the counter
as he waited for the approval, which is pretty standard procedure.
While he waited, he picked up his cell phone and started dialing.
I noticed the phone because it is the same model I have, but nothing
seemed out of the
ordinary. Then I heard a click that sounded like my phone sounds
when I take a picture.
He then gave me back my card but kept the phone in his hand as if he
was still pressing
buttons.
Meanwhile, I'm thinking: I wonder what he is taking a picture of,
oblivious to what was
really going on.
It then dawned on me: the only thing there was my credit card, so
now I'm paying close
attention to what he is doing..
He set his phone on the counter, leaving it open.
About five seconds later, I heard the chime that tells you that the
picture has been
saved.
Now I'm standing there struggling with the fact that this boy just
took a picture of my
credit card.
Yes, he played it off well, because had we not had the same kind of
phone, I probably would
never have known what happened.
Needless to say, I immediately canceled that card as I was walking
out of the pizza parlour.
All I am saying is, be aware of your surroundings at all times.
Whenever you are using your credit card take caution and don't be
careless.
Notice who is standing near you and what they are doing when you use
your card.
Be aware of phones, because many have a camera phone these days.
FORWARD THIS TO AS MANY PEOPLE AS YOU CAN THINK OF. LET'S GET THE
WORD
OUT! JUST BE AWARE.
Never let your card out of your sight.....check and check again!
Scary isn't it.....
New way of STEALING...
ESPECIALLY LOOK AT SCENE THREE...
Be sure to read Scene 3. Quite interesting.
This is a new one. People sure stay busy
Trying to cheat us, don't they?
SCENE 1.
A friend went to the local gym and placed his belongings in the
locker. After the
workout and a shower, he came out, saw the locker open, and thought
to himself,
'Funny, I thought I locked the locker...
Hmm, 'He dressed and just flipped the wallet to make sure all was in
order.
Everything looked okay - all cards were in place...
A few weeks later his credit card bill came - a whooping bill of
$14,000!
He called the credit card company and started yelling at them,
saying that he did
not make the transactions.
Customer care personnel verified that there was no mistake in the
system and
asked if his card had been stolen...
'No,' he said, but then took out his wallet, pulled out the credit
card, and yep -
you guessed it - a switch had been made.
An expired similar credit card from the same bank was in the wallet.
The thief broke into his locker at the gym and switched cards.
Verdict: The credit card issuer said since he did not report the
card missing
earlier, he would have to pay the amount owed to them.
How much did he have to pay for items he did not buy?
$9,000! Why were there no calls made to verify the amount swiped?
Small amounts rarely trigger a 'warning bell' with some credit card
companies. It just so happens that all the small amounts added up to
big one!
============================
SCENE 2.
A man at a local restaurant paid for his meal with his credit card.
The bill for the meal came, he signed it and the waitress folded the
receipt and
passed the credit card along.
Usually, he would just take it and place it in his wallet or pocket.
Funny enough,
though, he actually took a look at the card and, lo and behold, it
was the expired
card of another person.
He called the waitress and she looked perplexed.
She took it back, apologized, and hurried back to the counter under
the watchful eye of the
man.
All the waitress did while walking to the counter was wave the wrong
expired card to the
counter cashier, and the counter cashier immediately looked down and
took out the real card.
No exchange of words --- nothing! She took it and came back to the
man with an apology..
(This scenario actually happened to me at a local restaurant- Falls
Terrace-between the waitress
and the front desk cashier.)
Verdict: Make sure the credit cards in your wallet are yours.
Check the name on the card every time you sign for something and/or
the card is taken
away for even a short period of time.
Many people just take back the credit card without even looking at
it, 'assuming'
that it has to be theirs.
FOR YOUR OWN SAKE, DEVELOP THE HABIT OF CHECKING YOUR CREDIT CARD
EACH
TIME IT IS RETURNED TO YOU AFTER A TRANSACTION!
==========================
SCENE 3:
Yesterday I went into a pizza restaurant to pick up an order that I
had called in.
I paid by using my Visa Check Card which, of course, is linked
directly to my checking
Account.
The young man behind the counter took my card, swiped it, then laid
it on the counter
as he waited for the approval, which is pretty standard procedure.
While he waited, he picked up his cell phone and started dialing.
I noticed the phone because it is the same model I have, but nothing
seemed out of the
ordinary. Then I heard a click that sounded like my phone sounds
when I take a picture.
He then gave me back my card but kept the phone in his hand as if he
was still pressing
buttons.
Meanwhile, I'm thinking: I wonder what he is taking a picture of,
oblivious to what was
really going on.
It then dawned on me: the only thing there was my credit card, so
now I'm paying close
attention to what he is doing..
He set his phone on the counter, leaving it open.
About five seconds later, I heard the chime that tells you that the
picture has been
saved.
Now I'm standing there struggling with the fact that this boy just
took a picture of my
credit card.
Yes, he played it off well, because had we not had the same kind of
phone, I probably would
never have known what happened.
Needless to say, I immediately canceled that card as I was walking
out of the pizza parlour.
All I am saying is, be aware of your surroundings at all times.
Whenever you are using your credit card take caution and don't be
careless.
Notice who is standing near you and what they are doing when you use
your card.
Be aware of phones, because many have a camera phone these days.
FORWARD THIS TO AS MANY PEOPLE AS YOU CAN THINK OF. LET'S GET THE
WORD
OUT! JUST BE AWARE.
Never let your card out of your sight.....check and check again!
Scary isn't it.....
New way of STEALING...
Saturday, January 19, 2013
13 Ways to Get More Social Security
13 Ways to Get More Social Security
The average monthly Social Security
benefit for a retiree in 2013 is estimated at $1,261, according to the Social
Security Administration. That’s just $15,132 a year – hardly enough to live on.
Hopefully when you reach retirement, you’ll have a nice nest
egg to offset hurdles like vanishing pensions and unpredictable stock-market
returns. But either way, there are certain actions you can take today to boost
your Social Security payments during retirement – and they can add up to
thousands of extra dollars in your golden years.
Here are 13 things you can think
about today to increase your Social Security payments during retirement:
1.
Work at least 35 years
Social Security benefits are
calculated based on your 35 highest-earning working years. If you work fewer
years, you’ll have years with zero income averaged in – which will lower your
payout.
2.
Ask for a raise
If you experience a jump in salary,
you’ll likely boost your future earning potential and may see an increase in
your Social Security payments down the road – since as we just explained,
Social Security takes into account the 35 top-earning years of your career.
3.
Take a second job
The same logic applies: If you earn
more each year, you’ll likely increase the amount you get in Social Security
when you retire.
4.
Wait until full retirement age to claim Social Security
You can begin collecting Social
Security benefits as early as age 62, but you might not want to: Your benefit
will be reduced by 25 percent for life. To get your full payment, wait until
you reach full retirement age – currently 66 for anyone born between 1943 and
1954. For those born between 1955 and 1959, the age gradually rises toward 67.
For those born in 1960, it’s 67.
5.
Better yet: Wait until age 70
If you can afford to wait until age
70 to claim Social Security benefits, it’ll pay off. Thanks to what the Social
Security Administration calls “delayed retirement credits,” benefits increase 8
percent each year you delay tapping into Social Security – up till age 70. So
waiting until you reach 70 means about a third more income for life.
When considering this strategy, it’s
particularly beneficial for the higher-earning spouse in a marriage to hold out
until age 70 to increase the total benefits the couple will receive throughout
their lifetime. In the event that the spouse with the higher benefit passes
away, the surviving spouse will receive the higher payment.
If you took benefits early and
regret the move, it might not be too late to fix it. You may be able to repay
all the benefits you received so far and restart them at a higher level based
on your age. But this policy isn’t as flexible as it used to be: For more
details, check out this page on the SSA site.
6.
Use online tools
If you’re unsure about the best time
to claim benefits based on your individual budget, health, life expectancy, or
other factors, use online resources to help you decide. A good place to start
is SocialSecurity.gov/MyStatement, where you’ll get your personalized
statement. This estimates what your benefits will be at age 62, at full
retirement age, or at age 70.
Once you get estimates for both you
and, if applicable, your spouse, there are other online tools that compare your
benefits under various scenarios to help you determine the best claiming
strategy. Consider AARP’s Social Security Benefits Calculator or Analyze Now’s
“Strategic Social Security Planner.”
7.
Claim spousal benefits
If you’re married, you have a
choice: You can either take the benefit based on your work history, or half
your spouse’s benefit. So if your spouse earned a lot more than you did, and
has a higher benefit as a result, compare and see which will pay the most.
You can also claim Social Security
benefits based on an ex-spouse’s work record if you were married for at least
10 years. Doing so doesn’t reduce their check or otherwise impact them. In
fact, they’ll never know you applied.
8.
Taking early retirement? Beware of outside income
If you start taking benefits before
reaching your full retirement age, employment elsewhere can reduce your Social
Security checks.
For example, say you started taking
Social Security in 2012 at age 62 and your full retirement age is 66. For 2012,
your benefit would be reduced by $1 for every $2 you earned in gross wages or
net self-employment income above $14,640.
If 2012 was the year you reached
full retirement age, you could have earned up to $38,880 prior to the month you
turned 66. More than that and your benefit would be reduced by $1 for every $3
you earned.
After you reach full retirement age,
you get your full benefit no matter how much you earn.
9.
Claim twice
A dual-income retired couple may be
able to claim spousal benefits, then later switch to payments based on their
own work record. This could make sense if waiting until a later age would
result in higher benefits.
For example, say the husband is 66
and the wife is 62. If the husband files for benefits, the wife could opt for
half her husband’s benefit, while still earning money and letting her benefit
grow. When she turns 70, she could drop the spousal benefit and file for
benefits based on her own work record.
There are lots of strategies like
this to maximize Social Security. As you approach retirement age, be sure and
do lots of reading. This article from Kiplinger is a good example.
10.
Benefits for your kids
When you start collecting Social
Security benefits, unmarried dependent children under age 18 may qualify to
receive benefits worth up to half of your full retirement benefit amount. This
can include a biological child, adopted child, stepchild, or dependent
grandchild. They may also get benefits if they’re 18-19 years old and a
full-time student (no higher than grade 12) or 18 or older with a disability that began before age 22.
11.
Plan ahead for taxes
If the sum of your adjusted gross
income, nontaxable interest, and half your 2012 Social Security benefits
exceeds $34,000 ($44,000 for couples), up to 85 percent of your benefits may be
taxable. You can minimize this expense by using certain tax-saving moves, such
as investing in annuities that allow you to earn interest that isn’t taxed
until you withdraw it.
12.
Do your due diligence
Always read your Social Security statements
(either received as paper statements in the mail or online at SocialSecurity.gov/MyStatement)
to be sure everything has been reported correctly. Although inaccuracies are
uncommon, some scenarios lend themselves to a greater chance of error – such as
a name change your employer failed to update on company records.
13.
Clear your debts
Your Social Security benefits are
protected from most debt collections, but they can be taken to collect unpaid
federal taxes, federal student loan balances, and child support or alimony.
Clearing these debts will leave your Social Security benefits untouched.
Saturday, January 12, 2013
5 beers Americans aren't drinking
5 beers Americans aren't drinking
Traditional favorites fall out of
favor as Americans choose beers that are lighter or have a higher alcohol
content.
No. 5: Old Milwaukee
Brewer: Pabst Brewing
Sales decline (2006-2011): 52.8%
Barrels sold last year: 460,000
Sales decline (2006-2011): 52.8%
Barrels sold last year: 460,000
Old Milwaukee is brewed by the Pabst
Brewing, acquired in 2010 by C. Dean Metropoulos, described by The New York
Times as "a veteran food executive known for corporate turnarounds."
Last year, the Chicago Tribune
reported that Pabst employees felt Metropoulos' marketing plans were moving the
company away from the philosophies and practices that made it successful.
Old Milwaukee sales fell by 12.4%
between 2010 and 2011.
No. 4: Milwaukee's Best
Brewer: MillerCoors
Sales decline (2006-2011): 57.1%
Barrels sold last year: 750,000
Sales decline (2006-2011): 57.1%
Barrels sold last year: 750,000
MillerCoors, a joint venture between SABMiller (SBMRY)
and Molson Coors Brewing (TAP),
promotes Milwaukee's Best as a beverage "brewed for a man's taste,"
and asserts that it is "highly drinkable (and) highly affordable."
Consumers haven't seemed to notice:
The beer has one of the lowest rankings on BeerAdvocate, a website and magazine
that bills itself as a grass-roots network dedicated to supporting and
promoting beer.
No. 3: Budweiser Select
Brewer: Anheuser-Busch InBev
Sales decline (2006-2011): 60.8%
Barrels sold last year: 775,000
Sales decline (2006-2011): 60.8%
Barrels sold last year: 775,000
Introduced in 2005, Budweiser Select
claims to offer a "distinctively full flavor," with just 99 calories
per 12-ounce serving, roughly the same as Michelob Ultra.
The brand has never sold well, and
in 2009, Anheuser-Busch InBev introduced an offshoot, Budweiser Select 55,
which the company describes as "the lightest beer in the world with fewer
calories than any other beer option currently available."
No. 2: Michelob Light
Brewer: Anheuser-Busch InBev
Sales decline (2006-2011): 66.3%
Barrels sold last year: 425,000
Sales decline (2006-2011): 66.3%
Barrels sold last year: 425,000
As sales of Michelob Light have
dimmed, sales of Michelob Ultra -- a light beer with only 95 calories per
12-ounce serving introduced a decade ago -- have increased by 10.3% over the
past five years
No. 1: Michelob
Brewer: Anheuser-Busch InBev
Sales decline (2006-2011): 72.0%
Barrels sold last year 140,000
Sales decline (2006-2011): 72.0%
Barrels sold last year 140,000
American consumers have abandoned
Michelob, a lager brewed since 1896, at a faster rate than any other beer.
This after Michelob basically
invented the "superpremium" category of beers positioned between
Anheuser-Busch's flagship Budweiser and many imports.
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