LOL,
Universe, galaxy or atom? Gets a little fuzzy for me. The more you drink, the more sense it will make.
Wallace,
There are ways to make yeast more effective. Yeast nutrients, dead yeast husk and other additives that makes it more friendly to yeast. When yeast are happy, they are stronger and can produce in a more toxic environment then they normally could. I had to look up the 23% yeast you mentioned. They took some strong yeast and added these nutrients. You can make a weaker yeast do 'similar' but not the same production. DAP is used a lot as well. Tannin can be used, just use cold tea.
I wish I had of seen this a while back............1) I was put on special projects to "add more responsibility and stand out to upper management" 2) I was suddenly downed in a performance review when I was up for promotion before 3) It was suddenly very hard to get praise, everything no matter how insignificant was a huge mistake. All of sudden random emails from management in the loop came in with praise....because they knew what was going on and didn't like it. 4) my manager left and all of sudden I was a real problem 5) all of sudden entrapping emails were sent from my manager to me
Dandelion coffee is not so difficult and worth the trouble.
Dig out the entire root, chop finely lengthwise and lay out the root sections on an oven tray then bake at 200 degrees C until they turn dark brown or even start to burn. Take out the darkest or burnt ones and continue until all are toasted.
I completely agree with the premise of this article. While you limited the reasons to six there are many, many more. I recently made the same decision with my student loans (http://stepawayfromthemall.blogspot.com/2010/07/january-15-2035.html), which have even lower interest rates... Sometimes keeping it simple is better. Isn't the stress of the payments worth something? It is to me - even if I could earn an extra percent or so. The freedom is worth a lot. I'm on my way.
Good advice in general though you could argue a couple of points. First, if you fall on hardship due to a job loss, good luck getting an equity line of credit. It is important to have that in place if you want the equity to be liquid.
The second thing to consider is how you pay off the mortgage. There are real savings to be made in making extra principal payments but I would opt for a "side pot" for the following reasons. If you encounter a job loss situation, you can continue to make payments from this side pot. You will not get any credit from the lender for all of those extra principal payments and if you end up losing the home to foreclosure, you lose the extra principal payments. This is assuming you are currently upside down in the home or are unable to sell. Once the side pot is large enough you can either pay off the home, or if interest rates improve, invest the side pot and keep your mortgage tax credit. The home can still be payed off if needed. The only downside to this extra liquidity is the fact that the money in the side pot will have a hard time keeping pace with the mortgage interest rate in our current investment climate, but for some, the extra liquidity may be appealing.
We sold our first home as a FSBO and at a higher price than those who hired a realtor at the time. Granted this is a different marketplace then back in 2004, but some other tips I'd offer up:
- Create a flyer to remember. We used Microsoft publisher and my husband did a great job highlighting our home's features (e.g. ceiling fans, jacuzzi etc.). We included the high quality picture we took ourselves, the benefits of living in our gated community and captivating copy.
- We sold our home relatively quick - during the first open house. I found great open house tips on the internet (baked an apple pie, all lights on and pointing out features).
- Be positive and upbeat
I looked on the DVD HACKS Web site, but they currenty do not have any hack codes for my Panasonic DVD Player DMR-EZ47V (US Version). Would appreciate help with the codes in setting it into a region-free player. Thanks,
First and foremost, sorry to hear about your uncle.
But, yes, that's what I thought as well. I hope I am allowed to post brand names here, but the stuff I ordered, which arrived today is "Liquor Quik - Alcobase Extreme 23%"
4.7 gallons of water, 23 pounds of water. I am anxious to get it going. It contains dry yeast, some liquid kind of charcoal, a 'defoamer' and a clarifying agent to put in at the end. 8-10 days.
And Zorcy and I got a bit off topic talking about another book. Hence the universe / atom talk.
That's quite alright. Without a brewer store around, I'm forced to hunt the web. But thank you. Not a bad idea for a new business venture in my area though. I'll have to look into it! Haha. I'll start my own little yeast colony in the fridge, thanks for the advice (yet again)
Mr. Brewer,
Thank you as well. I followed your recipe to the tee on my first batch. I'm anticipating (and hoping) it to be ready to distill this weekend. The waiting game may prove to be longer though. Got my fingers crossed...
As for wasting sugar, thanks for the words. Even though it's pretty inexpensive, a dollar is a dollar is a dollar. I'm anxious to compare my first batch with the bakers yeast to that of a high alcohol tolerant yeast. I assure you, I will keep you both updated...
Anybody know how to make a Sony DVP-NS710H region free? I tried the procedure on the site and it failed to respond to the pause,3,1,4,1,5,9 sequence? Sony said I'm stuck on region 1 with my US bought player. Is this true?=(
wallace,
23 pound of sugar to less than 5 gallons can't be right, surely? At 2 pound to the gallon it would give 10 percent alcohol. (imperial gallons, not US gallons). At 4 pound to the gallon, with a high alcohol yeast, you'd be looking at 20 per cent. 23 pound to about 4 and a half US gallons is about a 25 per cent fermentation. Great if you can get it! MUST be a turbo yeast job, though. Bakers yeast won't really ferment a lot more than 10 or 12 per cent. And Zorcy.............The universe is like an atom???? Or the solar system. with planets revolving around the sun, like electrons around a nucleus? Oh, and I opened a bottle of the "oak-aged" stuff. MY uncle died and we had a wake.Every damn poteen-maker in the county was there. Everyone thought it was a good scotch single malt whiskey. Even myself after a few jars! Thanks for your help.
My laptop computer is a pretty good investment. We spent $300 for it refurbished 4 years ago. With my computer I have gotten great suggestions on how to save money from a variety of sites, gotten access to news, earned the cost of my computer annually doing programs such as Mypoints,swagbucks,etc,etc, had access to recipes, and with the help of a printer, ink and paper been able to cut my grocery costs with printable coupons. Oh and I've won a couple of online contests which also has stretched my budget and allowed me to "treat" our family. It's definitely more than paid for itself when you consider all the resources it gives me access to.
Yeah, I feel the same way. It does seem super condescending. I mean, perhaps some of them you could say in person and they would come across better, "Let's go out. I brought my lunch to work all week so that I could have enough to take you to dinner tonight." is much better than the way it would come across in that sanctimonious note.
There's something better: Better World Club (betterworld.com) offers roadside assistance too, but they do not lobby for cars and roads uber alles, and offer insurance for bikes too.
This is a great bit of information compiled here! I just thought I would place a starting place for shopping around. This site offers free quotes. Car Insurance Quotes Online
LOL,
Universe, galaxy or atom? Gets a little fuzzy for me. The more you drink, the more sense it will make.
Wallace,
There are ways to make yeast more effective. Yeast nutrients, dead yeast husk and other additives that makes it more friendly to yeast. When yeast are happy, they are stronger and can produce in a more toxic environment then they normally could. I had to look up the 23% yeast you mentioned. They took some strong yeast and added these nutrients. You can make a weaker yeast do 'similar' but not the same production. DAP is used a lot as well. Tannin can be used, just use cold tea.
I wish I had of seen this a while back............1) I was put on special projects to "add more responsibility and stand out to upper management" 2) I was suddenly downed in a performance review when I was up for promotion before 3) It was suddenly very hard to get praise, everything no matter how insignificant was a huge mistake. All of sudden random emails from management in the loop came in with praise....because they knew what was going on and didn't like it. 4) my manager left and all of sudden I was a real problem 5) all of sudden entrapping emails were sent from my manager to me
Go to your local walmart or dollar tree. I bought the brand sun and it is not antibacterial. Best of Luck! I love the lawn Tonic!
Dandelion coffee is not so difficult and worth the trouble.
Dig out the entire root, chop finely lengthwise and lay out the root sections on an oven tray then bake at 200 degrees C until they turn dark brown or even start to burn. Take out the darkest or burnt ones and continue until all are toasted.
I bought this random stranger a drink at a restaurant for about 5 bucks. He became my husband and my best friend.
A $99 Ikea crib/bed for child #2, who came 13 yrs aft #1. Crib is now being used by child #4...
I completely agree with the premise of this article. While you limited the reasons to six there are many, many more. I recently made the same decision with my student loans (http://stepawayfromthemall.blogspot.com/2010/07/january-15-2035.html), which have even lower interest rates... Sometimes keeping it simple is better. Isn't the stress of the payments worth something? It is to me - even if I could earn an extra percent or so. The freedom is worth a lot. I'm on my way.
Good advice in general though you could argue a couple of points. First, if you fall on hardship due to a job loss, good luck getting an equity line of credit. It is important to have that in place if you want the equity to be liquid.
The second thing to consider is how you pay off the mortgage. There are real savings to be made in making extra principal payments but I would opt for a "side pot" for the following reasons. If you encounter a job loss situation, you can continue to make payments from this side pot. You will not get any credit from the lender for all of those extra principal payments and if you end up losing the home to foreclosure, you lose the extra principal payments. This is assuming you are currently upside down in the home or are unable to sell. Once the side pot is large enough you can either pay off the home, or if interest rates improve, invest the side pot and keep your mortgage tax credit. The home can still be payed off if needed. The only downside to this extra liquidity is the fact that the money in the side pot will have a hard time keeping pace with the mortgage interest rate in our current investment climate, but for some, the extra liquidity may be appealing.
Great ideas. I've used some of these myself so I know they work.
Kitchen composter with biodegradable bags. <3 Mother Earth
Best purchase of my life: white pearl earrings! goes with everything :)
We sold our first home as a FSBO and at a higher price than those who hired a realtor at the time. Granted this is a different marketplace then back in 2004, but some other tips I'd offer up:
- Create a flyer to remember. We used Microsoft publisher and my husband did a great job highlighting our home's features (e.g. ceiling fans, jacuzzi etc.). We included the high quality picture we took ourselves, the benefits of living in our gated community and captivating copy.
- We sold our home relatively quick - during the first open house. I found great open house tips on the internet (baked an apple pie, all lights on and pointing out features).
- Be positive and upbeat
I looked on the DVD HACKS Web site, but they currenty do not have any hack codes for my Panasonic DVD Player DMR-EZ47V (US Version). Would appreciate help with the codes in setting it into a region-free player. Thanks,
Willieboy,
First and foremost, sorry to hear about your uncle.
But, yes, that's what I thought as well. I hope I am allowed to post brand names here, but the stuff I ordered, which arrived today is "Liquor Quik - Alcobase Extreme 23%"
4.7 gallons of water, 23 pounds of water. I am anxious to get it going. It contains dry yeast, some liquid kind of charcoal, a 'defoamer' and a clarifying agent to put in at the end. 8-10 days.
And Zorcy and I got a bit off topic talking about another book. Hence the universe / atom talk.
Thanks for the feedback!
Zorcy,
That's quite alright. Without a brewer store around, I'm forced to hunt the web. But thank you. Not a bad idea for a new business venture in my area though. I'll have to look into it! Haha. I'll start my own little yeast colony in the fridge, thanks for the advice (yet again)
Mr. Brewer,
Thank you as well. I followed your recipe to the tee on my first batch. I'm anticipating (and hoping) it to be ready to distill this weekend. The waiting game may prove to be longer though. Got my fingers crossed...
As for wasting sugar, thanks for the words. Even though it's pretty inexpensive, a dollar is a dollar is a dollar. I'm anxious to compare my first batch with the bakers yeast to that of a high alcohol tolerant yeast. I assure you, I will keep you both updated...
I bought my dream wedding dress for only $20(new), but proved to my fiancee that love doesn't have to cost much.
Anybody know how to make a Sony DVP-NS710H region free? I tried the procedure on the site and it failed to respond to the pause,3,1,4,1,5,9 sequence? Sony said I'm stuck on region 1 with my US bought player. Is this true?=(
wallace,
23 pound of sugar to less than 5 gallons can't be right, surely? At 2 pound to the gallon it would give 10 percent alcohol. (imperial gallons, not US gallons). At 4 pound to the gallon, with a high alcohol yeast, you'd be looking at 20 per cent. 23 pound to about 4 and a half US gallons is about a 25 per cent fermentation. Great if you can get it! MUST be a turbo yeast job, though. Bakers yeast won't really ferment a lot more than 10 or 12 per cent. And Zorcy.............The universe is like an atom???? Or the solar system. with planets revolving around the sun, like electrons around a nucleus? Oh, and I opened a bottle of the "oak-aged" stuff. MY uncle died and we had a wake.Every damn poteen-maker in the county was there. Everyone thought it was a good scotch single malt whiskey. Even myself after a few jars! Thanks for your help.
The best purchase of my life so far has been my kitchen timer. No more burned cakes or bread for me! :)
Viking mixer. I use it multiple times a week.
My laptop computer is a pretty good investment. We spent $300 for it refurbished 4 years ago. With my computer I have gotten great suggestions on how to save money from a variety of sites, gotten access to news, earned the cost of my computer annually doing programs such as Mypoints,swagbucks,etc,etc, had access to recipes, and with the help of a printer, ink and paper been able to cut my grocery costs with printable coupons. Oh and I've won a couple of online contests which also has stretched my budget and allowed me to "treat" our family. It's definitely more than paid for itself when you consider all the resources it gives me access to.
Christine
dazed1821@aol.com
Yeah, I feel the same way. It does seem super condescending. I mean, perhaps some of them you could say in person and they would come across better, "Let's go out. I brought my lunch to work all week so that I could have enough to take you to dinner tonight." is much better than the way it would come across in that sanctimonious note.
There's something better: Better World Club (betterworld.com) offers roadside assistance too, but they do not lobby for cars and roads uber alles, and offer insurance for bikes too.
Paying the adoption fee at the Humane Society for my wonderful dog.
This is a great bit of information compiled here! I just thought I would place a starting place for shopping around. This site offers free quotes.
Car Insurance Quotes Online