TRADE SECRETS! Butcher,Hat & Boot Maker

If you'd like to hone your artisanal skills without devoting a lifetime to the craft  then check out these resources. Shoemaking : www.ShoeMakingClasses.Com  NYC  Call 646-823-0084. Weekned workshops $795.    
www.JCCManhattan.Org  334 Amsterdam Ave between 75th & 76 th Sts, NYC  646-505-4444.  Shoe making class $455, pattern making class $295.  www.ShoeMakingCourse.Com Various Cities  $1495-$1795.
pattern making course $250. Butchering: www.JeffreysMeatMarket.Com  120 Essex St between Delancy and Rivington Sts, NYC 212-475-6521.One class $75, two $140, three $195. Millinery :www.Artikal.Com
$55-$150. 510 E. 12th St, between Aves A & B, NYC 212-260-0278.  www.FitNyc.Edu FIT, D Bldg, lower level,  Seventh Ave @ 27th St, NYC  212-217-3334. $387.50.

When Its Summer,It Pays To Be A Jerk!

Here's a great authentic Jamaican Jerk marinade that you can use on chicken, beef pork or fish. For the best flavor ,try using whole allspice berries and black peppercorns and crush them with the bottom of a heavy pan or in a coffee mill before adding to your food processor. If you want less heat, use jalapenos  peppers in place of Scotch bonnets. Here are the ingredients:

1 bunch green onions, cut into 2 inch lengths, 4 garlic cloves, 1 (2 inch) piece of peeled fresh ginger, 1 heaping tablespoon of fresh thyme leaves, 1 teaspoon of ground allspice, 1 teaspoon ground nutmeg, 2 teaspoons of coarsely ground pepper, 1 to 3 Scotch bonnets or habanero chile peppers, stems and seeds removed, 2 tablespoons dark brown sugar, juice of 4 limes ( 6 tablespoons) 1/2 cup of vegetable or canola oil. This is enough for  3 pounds of chicken, beef, pork or fish 

 Place all ingredients except oil in a blender or food processor. While the processor is running, slowly add a thin stream of oil until the mixture becomes thick. Save 1/2 cup of the marinade for drizzling over beef, chicken pork or fish during cooking. Place your meat or fish and a good amount of marinade in a zip top plastic bag and marinate at least 2 hours or over night in the frig. Prepare your grill and follow cooking times for various meats or fish.  

A New Cancer Test Could Save Your Life

A new test called AMAS or Anti-Malignin Antibody Screen can detect early cancer cells of all types.
It has an accuracy rate greater than 95% and with a second test, its accuracy shoots up to 99%. Keep in mind that AMAS cannot be used to diagnose cancer on its own. But it is a remarkable breakthrough for the detection of cancer cells, which taken in conjunction with other factors, may help doctors arrive at a more concrete diagnosis.

If you suspect that you may be at risk for cancer because of family history or other factors, tell your doctor about this test. Chances are he's never heard of it because it hasn't been heavily promoted. If he refuses to give you this test, you can contact Oncolab, Inc at 800-9CATEST or www.Oncolabinc.Com

Why Heavy Exercise May Put Your Heart On Shaky Ground

According to some doctors, there is no relationship between exercise and longevity. Actually, there is no conclusive proof that vigorous daily exercise for its own sake does anything but destroy health.

According to an article in Circulation, the the journal of the American Heart Association, regular exercise did not make one iota's difference in rates of age related physical decline study of more than 800 male and female subjects of various ages.

Measured by periodic tread mill tests over an average age period of 8 years, both the exercisers and otherwise healthy non-obese sedentary types, , experienced a 20% decline in aerobic capacity for every decade past age 70.

That means despite what running shoe makers, sports drink makers, and gym owners tell you, heavy  exercise does nothing to stave off the natural reduction in physical strength and stamina that comes with aging.

The Paradox Of The Exercise Craze

Enlargement of the heart, known as cardiomegaly, is considered a healthy sign in athletes. But in the rest of us, its considered to be a serious sign of heart disease. Does this give us any clue as to why super athletes die young from heart disease? Many athletes also have irregular cardiograms that would be considered serious signs of heart disease in most of us. But since they're in shape, its considered benign.

A case in point would be Pheidippides the first marathon runner. He ran from Marathon to Athens which is 26 miles, to announce the Greek victory over the Persians. He delivered his message and then dropped dead. Things have changed much since then since marathoners are still dropping dead at the finish.

One medical study involved 10 cases of sudden death among runners. The researchers discovered severe coronary atherosclerosis is the most common cause of death among marathon runners.  The researchers pursued these findings among 24 cases of joggers, not marathoners, but joggers. Thirteen died while jogging, and six soon after jogging. All but one had severe coronary artery disease.

Consider this Swedish study. A total of 315 heart attack patients were divided into two groups. Half received exercise training and half no exercise. There was no evidence that the exercise group fared better than the control group in terms of death rates or rate of recurrence of heart attacks. A Canadian study came up with similar results.

A Little Exercise Goes A Long Way

 The key to maintaining muscle mass is balance. In young adults there's a healthy ebb and flow between the buildup and breakdown of muscles that helps maintain that balance. But that's not the case with the elderly. Instead, the muscle breakdown continues unabated while the buildup process slows down considerably.

So the best way to keep muscles strong is to get moderate exercise. Some doctors recommend that if you're over 65 you should walk one mile round trip once a day. And if you want to keep your body fit and strong, there are plenty of low impact exercises you can do to keep fit.

If you're unsure about which exercises to do, you can go to a gym and tell one of the trainers that you want to strengthen your muscles. Tell him or her the specific areas you're interested in working and let the trainer know that you don't want a comprehensive muscle building program. If the trainer asks why, tell him that's  all your doctor recommended. If he or she tries to sell you a lot of bodybuilding capsules, don't waste your money. Moderate low impact exercise is all you need to keep fit.

Best Beers On Tap USA

Alabama: Birmingham http://www.jclyde.com/  Arizona: Tuscon http://www.1702az.com/ California: San Francisco
http://www.monkskettle.com/ Oakland http://www.thetrappist.com/ Colorado: Denver http://www.fallingrocktaphouse.com/ D.C. Washington http://www.churchkeydc.com/ Florida: Orlando
Red Light Red Light www.myspace.com/theredlightredlight Georgia: Decatur http://www.brickstorepub.com/
Athens http://www.trappezepub.com/ Atlanta http://www.theporterbeerbar.com/ Illinois  Chicago http://www.hopleaf.com/  and   http://www.themaproom.com/ Massachusetts Cambridge - Bukowski's Tavern
www.myspace.com/bukowskitavern Amherst  http://www.themoananddove.com/ Michigan Grand Rapids
http://www.hopcatgr.com/ North Carolina Ashville http://www.monkpub.com/ Oklahoma Tulsa http://www.mcneillies.com/ Oregon Portland http://www.horsebrass.com/ Pennsylvania: Philadelphia http://www.monkscafe.com/ Texas Houston http://www.gingermanpub.com/ Dallas http://www.oldmonkdallas.com/
Virginia Richmond http://www.capitalalehouse.com/ Washington Seattle http://www.uberbier.com/

Best Flea Markets In NYC

Best For Bargains: West 25th St Market, year round, Sat-Sun 9am-6pm. For more info see
www.HellsKitchenFleaMarket.Com  Malcolm Shabazz Harlem Market, 52 W. 116th St, between Fifth Ave and Malcolm X Blvd. 212-987-8131 Daily 10am-8pm.  Best For Antiques:  Green Flea Market, Columbus Ave between 76th and 77th Sts, 212-239-3025. April-October: Sun 10am -6pm. November -March: Sun 10am-5:30pm.  www.GreenFleaMarkets.Com  The Antiques Garage, 112 W. 25th St between 6th & 7th Aves. Year around Sat-Sun 9am-5pm. www.HellsKitchenFleaMarket.Com Best For Jewelry & Accessories: East 67th St Market, E. 67th St between First & York Aves , 718-897-5992, Year around Sat 6am-5pm. http://www.east67thstreetmarket.org/ Best For Emerging Designers: The Market NYC, 268 Mulberry St, between Houston & Prince Sts, year around, Sat-Sun 11am-7pm.
www.TheMarketNYC.Com Best For Vintage: Hester Street Fair, Hester St @ Essex, April-December, rain or shine, Sat-Sun 10am-6pm. www.HesterStreetFair.Com     

Cool Off This Summer With A Frozen Hot Chocolate

The key to making this recipe work is that you need to make real homemade hot chocolate to get a  cooked carmelized quality. Second  you need to let the hot chocolate chill completely before blending . If not , it melts the ice too rapidly and you're left with  watered-down cold chocolate milk. You'll need 1 cup of milk, 2 tablespoons sugar, 1 ounce of water, 1 tablespoon of unsweetened cocoa powder, 1/4 teaspoon of vanilla extract, 1 1/2 ounces of Godiva chocolate liqueur, 3 mini marshmallows for garnish, gourmet chocolate pieces for optional garnish. In a saucepan over medium heat, combine the milk, sugar, water, cocoa powder and vanilla. Stir constantly until its starts to boil. Then place in refrigerator until completely cooled.
Combine the cooled hot chocolate and chocolate liqueur in a blender with 4 ice cubes. Blend until smooth.  Add and blend additional sugar if needed. Pour into cocktail glass. garnish with mini marshmallows and chocolate pieces if desired.

NY'S Best Gourmet Ice Cream Sandwiches

RonnyBook Milk Bar, Chelsea Market, 75 Ninth Ave @ 15th St,( 212 ) -741-6455 $4,  Dessert Club ChikaLicious 204 E. 10th St, between First &Second Aves, 475-0929 $2.50,  Three Tarts Bakery & Boutique, 164 Ninth Ave @ 20th St, 462-4392  $4.25, The Meatball Shop, 84 Stanton @ Allen St, 982-8895 $4.

Asian Burgers & Mayo That Will Have Your Guests Begging For More

Mayonnaise 3/4 cup mayo, 1/4 cup EACH finely chopped Thai basil, cilantro, and scallions 2 Tbsp lime juice BURGERS 2 lbs ground pork, 1/4 cup Asian or Vietnamese fish sauce, 4 tsp palm sugar or light brown sugar, 1 tsp of Asian chili sauce, 1/4 cup chunky peanut butter, 2 tsp EACH grated fresh ginger and minced garlic, 1/2 tsp ground star anise, 6 rectangular sandwich rolls, 6 butter lettuce leaves . Preheat a hot charcoal grill or gas grill to medium high. Combine all mayo ingredients in a bowl. Cover and refrigerate until ready to assemble burgers. Place fish sauce, sugar, and chili sauce in a large bowl, mix well. Add pork, peanut butter, ginger, garlic, and star anise. Handle the meat as little as possible to avoid compacting it. Just mix well. Form mixture into 6 oblong patties to fit the rolls. Brush grill rack with vegetable oil. Place patties on rack, cover, and cook, turning once, about 5 minutes per side, until cooked through on a instant read thermometer that registers 155F. Spread roll bottoms with a thin layer of mayonnaise.Place a lettuce leaf, then a burger and a generous dollop of mayo on each. Add roll tops and serve.

Gourmet Burger ,Mayo & Salad Recipe That Will Impress Your Guests

Rolls: 6 Kaiser Rolls Mayo 1/2 cup chopped fresh cilantro, 4 cloves garlic crushed, 2 Tbsp of lemon juice, 1 tsp EACH of cumin, paprika, kosher salt & harissa*( * hot red pepper paste used in North African cooking-if you can't find it locally-you can make your own-click on link for recipe: www.epicurious.com/recipes/food/views/Harissa-Sauce-107098 6 Tbsp olive oil,1 cup of mayonnaise. Combine all mayo ingredients except mayo in a food processor and process until well blended. Transfer to bowl and stir in mayo. Cover and refrigerate until assembling burgers. Carrot Salad 3 Tbsp lemon juice, 2 tsp minced garlic, 1 tsp EACH ground cumin and kosher salt, 1/2 tsp paprika, 1/4 tsp EACH ground cinnamon and crushed red pepper flakes, 2 Tsp olive oil, 1 Tsp chopped flat leaf parsley, 1 tsp honey, 1 lb of carrots peeled and grated. In a bowl combine lemon juice, garlic, cumin, salt, paprika, cinnamon, and red pepper flakes mixing well to combine. Add remaining salad ingredients and mix well. Cover and refrigerate until assembling burgers. Burgers 1 1/2 lbs ground chuck, 1/2 lb of ground lamb, 2 oz EACH of dried apricots and pitted dried dates diced, 1/4 cup of fresh cilantro and 3 Tbsp fresh mint, 2 tsp EACH of harissa and kosher salt, 1 tsp ground cinnamon, 1 1/2 tsp ground cumin, 1/2 tsp freshly ground pepper,1 tsp of minced garlic, 1/4 tsp EACH of ground fennel, ground coriander,and cayenne. Romaine lettuce for garnish. Combine all burger ingredients in a large bowl, handling the meat as little as possible to avoid compacting it. Form mixture into 6 equal patties to fit the rolls. Brush grill rack with vegetable oil. Place patties on rack , cover, cook turning once, about 5 minutes per side for medium. During last few minutes of cooking, place rolls cut side down on the outer edges on the rack to toast slightly. Assemble Drain carrot salad and squeeze out extra moisture. Spread generous amount of mayo on the cut sides of the rolls. On each roll bottom, place shredded romaine, burger, and some carrot salad. Add roll tops and serve.

How To Surf Safely On Public Wi-Fi

FACT: Absolutely nothing is safe on open Wi-Fi. But in a coffee shop, airport, lounge or library, people routinely surf the net or read their e-mails without thinking twice. So the first thing you can do is stick to a webmail system that uses HTTPS when you log in. But after you sign in, your webmail system usually switches back to HTTP because it reduces computer strain on their servers. That means everyone who is on the same wireless network can read your e-mail content. The only exceptions to this if you were viewing your e-mail on a corporate system or using Gmail. That's right, Gmail! Right now, the default setting in Gmail detects suspicious login detection algorithms and makes Gmail a standout for secure wireless surfing. So if you've been thinking about dumping your AOL, Hotmail or Yahoo account, now is the time. If that's too much of a hassle for you, then set up a Gmail account and have ALL your e-mails from other accounts forwarded to it. Then when you read your e-mails on a wireless network, the whole world won't be watching. Also watch out for a common misconception among business travelers. Most of them think that commercial hotspots that you pay by the hour or by subscription are more secure that free Wi-Fi hotspots. That simple is not true! So if your company offer VPN or a virtual private network connection, then take advantage of it. If it doesn't, you can download a FREE program called Hotspot Shield from www.AnchorFree.Com This company offers its own VPN software that you can install on your laptop prior to using a a public Wi-Fi. Once you enable it, it encrypts all of your traffic through a tunnel to a Hotspot Shield and then out on the Internet. It works just like a corporate VPN but its 100% FREE!

Mobile Phone Security Alert

Imagine sitting in a cafe and closing an important business deal by phone. After you hang up, you get a text message from a stranger referring to the deal and asking money in exchange for silence. According to university researchers, cells phones make excellent surveillance devices. And its done through the implanting of malware. So, in general, always be suspicious of phone downloads or ringtones as they could harbor spyware. Fortunately, major antivirus software makers offer tools that protect against phone malware. But one start up company offers a FREE mobile security tool that offers a suite of mobile firewall, mobile data backup,and the ability to wipe a lost or stolen phone remotely. Go to www.MyLookOut.Com and get it now for free.

Keep Clear Of New Craig's List Scams

Check Fraud You list a used piece of furniture for $100 on Craig's List and a scammer calls you and says he will be out of town. So he mails you a check for$250. When you ask him about it, he apologizes for the mistake and asks that you wire him the over-payment. Plus he'll throw in a few bucks for your inconvenience. The fact is, the check is fake and you'll be out $150+! Employment Fraud Two common scams are asking for up-front training fees and gathering personal info under the guise of "background check"purposes. You'll either get beat for the training fees or have your identity stolen in a NY minute. So watch out for job offers that post great salaries, requiring little or no experience, or that involve fees, or telecomuting without meeting your boss or hiring without any interview. These are BIG RED FLAGS!

Why You Should Avoid Buying Chinese Garlic

In 2006, the average wholesale price of Chinese garlic was about 35 cents a pound. Then large amounts were dumped on the US market at 7 cents a pound which is below its production costs. Right now, Chinese garlic is being dumped all over the world, and right now, garlic farmers all over the world are going out of business because they cannot compete with the dirt cheap price of Chinese garlic. In California, garlic farmers cut their production from 160 million pounds of garlic in 2003 down to 95 million pounds in 2007. There are only five garlic growers left in New Zealand and Thailand's garlic production is down 20%. And in 2000, China suspended imports of South Korean cell phones in retaliation of Korea's sharp increase in garlic tariffs. So the Chinese are not dumping cheap garlic all over the world because their nice guys. The plan is to put everybody out of business, dominate the market, and then charge whatever the market will bear. And here's something you didn't know about Chinese garlic. Its not as tasty or nutritious as Garlic grown in the US. That's because the root of the garlic contains disease and pestilence that might spread in the US. So the roots are gouged out before they get here. That's why there's a concave gouge at the bottom of Chinese garlic. Plus all Chinese garlic is irradiated before it gets here so the process kills all the taste and nutrients. So make sure you avoid buying Chinese garlic whenever you can. And in light of what they're doing in the garlic market,it might be a good idea to avoid buying any kind of produce grown in China.

Here's a Clock That Will Blow Your Mind

Just click on the link: www.usdebtclock.org

Must Try Asian Grill Recipes

Baby Back RibsServes 4. Get 4 racks of true baby back ribs ( each 3/4 to 1lb) 6 cloves coarsely chopped garlic, 1 piece (2 in) fresh ginger,peeled and coarsely chopped, 1 tbs. sugar, 1 tbs. coarse salt, 2 tbs. honey, 1 tbs. soy sauce,1 tbs. Asian fish sauce or additional soy sauce. For the dipping sauce 4 tsp coarse salt, 4 tsp white pepper, and 4 juicy limes cut in half. To prepare the ribs remove the thin, papery membrane from the back of each rack or ribs. ( some stores sell them already removed). If you have a large rack of ribs, cut each rack in half. Place ribs in a non-reactive baking dish just large enough to hold them in a single layer. Place the garlic, ginger,sugar,1 tbs salt and black pepper in a motor and pound to a paste. If you don't have a mortar and pestle, puree ingredients in a food processor. Work in honey, soy sauce and fish sauce or additional soy sauce. Spread spice over the ribs on both sides and let marinate in the frig covered from 1 to 4hours. For the dipping sauce, place 1 tsp of salt and 1 tsp of white pepper in neat mounds side by side in each of 4 tiny bowls. Place 2 lime halves next to each bowl. Then preheat your grill to medium. When ready to cook, brush grill grate clean and apply a thin coat of olive oil to the grate. Place ribs bone side down on the hot grate until then are golden brown and cooked through about 8 to 12 minutes per side. Cook a little longer for full size ribs. When done, transfer ribs to a cutting board and cut into individual ribs. Then arrange on platter for serving. Just before eating, instruct guests to squeeze 1 to 2 tbs of lime juice into bowl of salt and white pepper and stir until mixed. Dip ribs in sauce before eating. Beef Kebabs Serves 4. You need 1.5 lbs of rib eye steak about 1/2 in thick. 3 tbs light brown sugar, 2 tbs ground coriander, 1 tbs ground turmeric , 1.5 tsp ground cumin, 1.5 tsp freshly ground pepper,3 tbs Asian fish sauce or soy sauce, &3 tbs vegetable oil. Cut steaks into 1/2 in cubes without trimming fat. In a nonreactive mixing bowl, stir in brown sugar, coriander, turmeric, cumin, pepper, fish sauce or soy sauce, and oil. Let beef marinate in frig for at least 2 hours. Then drain beef cubes and discard the marinade. Thread beef onto bamboo skewers leaving the bottom half of the skewers for a handle. Preheat grill to high. When ready to cook, brush grill grate with a thin coat of oil. Arrange skewers on hot grate with a strip of aluminum foil placed under exposed ends of skewers to keep them from burning. Grill cubes 1-2 minutes per side for medium rare, a little longer for medium. Beef should be cooked to an internal temperature of 145 F. Serve beef cubes with a tasty relish or fried garlic peanut sauce. Asian Cucumber RelishAsian Cucumber Relish Makes 1 to 1.5 Cups. Take 1 medium cucumber, cut in half lengthwise and take out seeds. Then take 1 shallot and mince to get 2-3 tbs or 1 scallion, white and green parts, trimmed and minced. Then get 1 small hot red chile, stemmed, seeded and minced. Put aside 2 tbs rice vinegar, 1 tbs sugar and coarse salt and freshly ground pepper. Cut cumber into 1/4 in dices. Place cucumbers, shallot, chile, rice vinegar and sugar in a mixing bowl and toss gently to mix. Season with salt and pepper to taste. You can make this relish up to 2 hours ahead. Fried Garlic Peanut Sauce Yields 2 cups. Ingredients are 2 tbs veg oil, 5 cloves garlic , 3 thinly sliced crosswise and 2 minced, 1 shallot minced, 2 strips lemon zest 1/2 in by 2 in, 1-3 small hot chiles stemmed, seeded and minced. ( for hotter sauce leave in seeds) 3/4 cups peanut butter, 1 cup unsweetened coconut milk, 2 tbs sugar, 2 tbs soy sauce, 1 tsp fish sauce (optional) 1 tsp fresh lime juice, 1 tsp finely chopped cilantro, coarse salt and freshly ground pepper. Heat oil in a sauce pan over medium high heat. Add sliced garlic and cook until golden brown or about 2 minutes. Remove garlic with a slotted spoon. Place on paper towels to drain. Add minced garlic, shallot, lemon zest and chiles and cook over medium high heat until fragrant and lightly browned, about 2 minutes. Stir in peanut butter,coconut milk, sugar, soy sauce, fish sauce if using, , lime juice and 3/4 cup of water. Reduce heat and gently simmer until sauce is thick and pourable about 5 to 8 minutes. Stir in cilantro during last 2 minutes of cooking. Just before serving, stir in fired garlic. If sauce turns thick and pasty, add 1 tbs or so of water. Add salt and pepper to taste and more sugar and lime juice if needed. Coconut Grilled Corn makes a great side dish with the ribs or beef skewers. Serves 4. You'll need 4 ears of sweet corn,husked,3/4 cup unsweetened coconut milk, 2 tbs light brown sugar, 1-2 bay leafs, 1/4 tsp salt. Combine coconut milk, sugar, bay leaf and salt in a small saucepan over medium heat. Let simmer gently until sugar dissolves, 3 to 5 minutes.Taste for sweetness adding more sugar if necessary. Remove pan from heat and let mixture cool to room temperature. Preheat grill to high. When ready to cook, brush grill grate clean and apply thin coat of oil to grate. Place corn on hot grate.Start basting with coconut milk mixture after a few minutes. Baste several times until corn is nicely browned on all sides, about 2 -3 minutes per side, 8 - 12 minutes total, turning with tongs. Baste corn one final time, plate and serve.

Home Made Gelato Recipes From Florence, Italy

Plain Base First make 1 quart of plain base with 2 cups whole milk,1 cup heavy cream, 4 large egg yolks and 1/3 cup sugar. 1. In a heavy bottom sauce pan, combine milk and cream. Place over medium-low heat and stir occassionally so a skin doesn't form. Keep on heat until tiny bubbles start to form and the mixture reaches 170 F.( use a candy thermometer ) 2. In a medium heat proof bowl, wisk egg yolks until smooth. Gradually wisk in sugar until the mixture is a thick, smooth pale yellow. Temper the egg yolks by slowly pouring them into the hot milk mixture while wisking continuously. Return the custard to the saucepan and place over low heat. Cook, stiring frequently with a wooden spoon, until the custard is thick enough to coat the back of a spoon and it reaches 185 F. DO NOT bring to boil. Poor the mixture through a fine mesh strainer into a clean bowl and let cool to room temperature stiring every 5 minutes or so. To cool the custard quickly, make an ice bath by filling a large bowl with ice and water and placing the custard in it. Stir the custard until cool. Cover and refrigerate until very cold for at least 4 hours or overnight. Banana Gelato This requires 2 chilled ripe bananas,1 tablespoon sugar,and 1/2 tablespoon fresh lemon juice. Make your Plain Base and chill. Place the bananas, sugar and lemon juice in a blender and add half the plain base. Blend until smooth, then wisk in remaining base. Pour the mixture into the container of an ice cream machine and follow the manufacturer's directions. Transfer to an airtight container and freeze for a least 2 hours before serving. Lemon Poppy Seed Gelato Requires 1/4 cup fresh lemon juice, 2 reaspoons grated lemon zest, and 1 tablespoon of poppy seeds. Make the Plain Base as directed. Then gently wisk in the lemon juice and zest into the base. Pour the mixture into an ice cream maker container and follow manufactuer's dirfections. Add poppy seeds 5 minutes before the churning is completed. Transfer to an airtight container and freeze for at least 2 hours before serving.

Leave The Haggling To Someone Else

If you've ever bought a used car, the worst part of the process is haggling about the price. Now a new company has emerged that will do the dirty work for you and save you money which is www.Carsala.com Call or log onto their website and enter the make, model, year range etc. Carsala will then send you a report listings cars that fit your description. It also removes any damaged, wrecked or flooded vehicles from the search plus any dealers with bad business practices. You can select up to 20 cars for Carsala to negoigiate for you, including cars you found on your own. Pro hagglers take over and get you the deal in writing. Plus you get another report with all the negoiated deals and then you can take a test drive and complete the deal. Carsala charges 20% of the savings OFF the asking price which is capped at $300 for up to 20 cars. So if the asking price is 15 grand and Carsala gets you a price of $14 grand, you pay $200 or 20% of the $1,000 difference. Until Oct 1, 2010, Carsala is offering a $99 flat fee when you use the coupon code, KIPIE.

Five Ways To Avoid Or Dispute Surprise Medical Bills

1. Stay In Your Network This is the best way you can avoid extra charges. 2. Double Check Everything The first time you visit a doctor, always call to verify that he or she is in your network. Websites can sometimes be outdated and mix-ups happen. Also make sure before you're admitted to a hospital that you will be treated by doctors in your network. That way you won't be hit up for "balance bills". 3. Negotiate Everything Upfront If you know you must go out of your network, be ready to talk money before you are treated. Keep in mind that even in emergency situations, insurers only pay what they deem as "usual" and "customary" treatments in your area. So if your P.P.O pays 80% of out of network charges, that means 80% of reasonable and customary fees. If your doctor charges well above what the insurance company deems reasonable, you may be "balanced billed" for the difference. So ask the out-of-network doctor what the charges for your care will be. Than check with your insurer to see how their payouts match up. Armed with this info, you can negotiate with the doctor to accept the insurance company payment in full. If you want to use an out-of-network hospital, you'll also need to get pre-approval on surgeon's fees and other charges. 4. Negotiate Everything Afterwards Too When you get a balance bill, don't hesitate to call the doctor and ask why he or she feels the insurance payment is not sufficient and why you were not told about the extra fees ahead of time. 5. File An Appeal If you feel your insurance company is not paying its fare share, consider a formal appeal. (If you found this post helpful,why not click on the small "envelope icon" below and e-mail this post to ten of your friends or family members.)

How To Get Out Of Almost Any Service Contract Without Penalties

If you agreed to a 2 year service contract on your broadband or smartphone service ,you may be able to ditch your obligation if your provider changes the terms after you sign up. In December, one phone carrier notified its customers of a 40 cent monthly increase on all lines and a $5 increase on accounts with spending limits. That constitiued a "materially adverse change of contract" as per the carrier's terms. So if your provider alters the terms of your contract and you want to break it, just contact the company in writing ( certified mail is best ) within the time period specified in your contract. It is usually 30 to 60 days. Make it clear in your letter that you are leaving because of the "materially adverse" nature of the change. P.S. If you found this post helpful,please forward it to your family and friends.