Month: March 2015

Enhancing Your Health: Learn What Fruits and Vegetables Are Safer for You

By Lucero (Luz) Mejia MUST BE ORGANIC: DIRTY DOZEN ♦ Apples ♦  Cherries ♦ Grapes ♦  Nectarines ♦ Peaches ♦  Pears ♦ Strawberries ♦  Red raspberries ♦ Potatoes ♦  Bell peppers ♦ Celery ♦  Spinach   CLEAN DOZEN ♦  Banana  ♦  Kiwi ♦  Pineapple  ♦  Mango ♦  Papaya  ♦  Asparagus ♦  Avocado  ♦  Broccoli ♦  Cauliflower  ♦  Onion ♦  Sweet corn  ♦  Green peas Here’s a closer look at the 2015 Dirty Dozen: 1. Celery Celery has no protective skin, which makes it almost impossible to wash off the chemicals (64 of them!) that are used on crops. Buy...

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Financing Tips: What is the Best Rate?

By Parag Nevatia What is the fuss about people looking for the “best rate” when it comes to loans? We learned in school or college, that demand is more when supply is down. So when too many lenders bid for one deal, they compete. They want to give a better rate to bid on a deal. In a great economy, every lender wants to lend; but those days are clearly gone. When banks have been burnt or have the feds looking at their lending practices under a microscope, it means they can’t use shortcuts to make money. At that...

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The Dream of Achieving Financial Freedom Is Within Your Reach

By Dr. Stanley Riggs Are you ready to start building wealth, rather than just making a living? If you already have a good income, are you ready to get off the high income/no net worth treadmill and start down the road to financial freedom? No matter what financial circumstance you find yourself in, here’s how to achieve it: Your Prerequisites: A mentor in the family, in the neighborhood, in the school, in the public eye or in books who can serve as a role model to emulate. A marketable skill. A skill that can earn money will become gainful employment. A skill that does...

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Enhancing Your Health: The Truth about Organic vs Conventional Foods

By Lucero (Luz) Mejia If you listen to many of the current arguments in the debates over agriculture and food, you believe there are only two sides: those who support “organic” farming, and those who support “conventional” farming—with no common ground between them. But the fact is, a lot of “organic” food is grown using conventional farming techniques. And a lot of “conventional” crops benefit from agronomic practices developed by organic farmers. When you dig down, the reality is more complicated—and more promising—than you might expect. Is there a real difference? In my honest opinion it depends. Clearly, if you specifically...

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How Much Down Payment Is Enough?

Financing Tips   How Much Down Payment Is Enough? By Parag Nevatia The real answer is “it depends”! It depends on strengths and weaknesses. It’s a balancing act. The lower your down payment (weakness), the higher the monthly payments, which means, there’s more pressure on the owner to make the monthly debt obligations. (weakness). So as an owner do you want to put more down payment up front and sleep at night knowing there will be less pressure on monthly payments later, or less down payment up front and keep up at night hoping you can sell your product...

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