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10-12: Scotch is Getting Younger.The notion that all scotch must be at least 12 years to be enjoyed is a common understanding among scotch drinkers everywhere. However, one company is out to prove them wrong. This scotch is just two years shy of the twelve year mark, but is growing in popularity. Enter Glenkinchie; this ten year old malt is 86 proof and a very pale gold in color. It has a reminiscent fragrance of peat and a grassy meadow that ends rather sweet. Its body is light to medium, it is considered to be well-rounded lowland malt. In the end it stays dry, and carries a hint if ginger. Originally formed in 1837 by a farmer, this malt clearly has some history. The original owner of the distillery sold it to another farmer who used the distillery as a cattle shed and sawmill. This property was again sold in 1880 and returned back to its natural intention to make fine malt just in time for the whiskey boom in the 1890’s.This single malt will be enjoyed by the new and revered by the old single malt enthusiasts.
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These tips were provided by my wife, Laura Irwin, who gleaned them from many years of homemaking and learning from others. Homemakers face a myriad of challenges; not the least of them is managing family finances on only one income. This is just a short list of issues. Self education regarding family finances is crucial for homemakers because of reduced income, lack of retirement accounts, increased need for self-discipline (possibly more time to shop), and the fact that if the finances become an issue, homemakers may have to return to work. We wish you the best and hope that these tips are helpful.1. Accountability - You must plan finances together with your spouse. This way, no one gets to play the 'blame game' when things go wrong. When both spouses work on finances on a weekly basis, overspending by either spouse will become apparent. You will also get the chance to congratulate each other on your successes. You are in this together. We all know that money is a huge cause for stress in relationships, and working together will help prevent years of financial stress. This may also help you both learn self-discipline and how to live on less. Accountability helps you not be that guy in the commercial where he says, "How did I do it? I am in debt up to my eyeballs!"2. Keep depositing money in your IRA - Even though you may not be earning an income. Women are poorer in retirement than men are because they earn less, live longer, take time out for child rearing without contributing to retirement accounts, and receive less in Social Security benefits because of the time-out for child rearing. This is statistically even more important for women in minority groups.3. Budgeting, Debt Reduction and Saving - Proper budgeting and debt reduction will help you meet your goals of being able to live on one income. Some women are naturals at budgeting, but if you are not one of them, a budget is simply a spending plan that helps you keep track of regular monthly expenses and savings for planned purchases and the future. If you have never created a budget, you may consider using software, an Excel spreadsheet, or simply paper and pencil. You will be spending a lot of time with it, so use whatever makes you comfortable. Put your debt reduction plan into your budget. For great information on reducing your debt, see www.debtproofliving.com.4. Fifty Dollar Limit - Or any amount you both decide on together. This tip has saved us many unnecessary purchases because spouses must communicate about a purchase before spending over the limit. (This does not apply to the weekly bills like grocery or utilities.) At times, this rule may seem too restrictive, but we have found it to be a huge budget saver. It also helps to get a second opinion. Recently, my wife called me from the check out line about purchasing an item, and I was able to remind her that we already own one! Judge the long-term benefit of purchases. Our children are teenagers, so we have had a chance to learn from our mistakes and wish we had done some things differently. One of our regrets is overspending on toys, and watching the toys be neglected, eventually ending up in a garage sale. Since we have begun paying for our oldest child's college tuition, it is painful to think of how much money we could have put into a college savings account had we not purchased those toys. Other examples of this include purchasing children's furniture, which will have to be replaced as the child grows. An inexpensive bed rail can make an adult-sized bed usable from toddler age to adulthood.5. Understand marital financial mindsets - What happens when opposites attract? They get married, then begin to fight about money! Consider the following ways people view their finances: There are optimists, pessimists, spenders, savers, planners, procrastinators, and any combination of these. Perhaps his parents were well off financially and she was raised in poverty. On the other hand, perhaps her parents taught her sound financial principles and his parents kept their finances a secret, or worse, he has copied their example of bad financial habits. Open and honest communication about both of your mindsets may help you work through any pre-conceived views or bad financial habits. Remember that this must be done without finger pointing and with the goal of financial harmony. Perhaps reading a good book together about marriage and money would be helpful.6. Houses and Cars - These are the biggest expenses for most marriage partners. Ideally, if you can plan to have your mortgage paid off before your first child goes to college, you will feel less stressed about paying tuition. Another great way to save money is to buy great low-maintenance cars and drive them for a long time. There is no freedom like driving a car that is 'paid for'. Many experts recommend that you put the amount of your payment into savings after you have paid the car off to save for the next one. From personal experience, we also recommend planning for what kind of car you will need several years from now. In other words, do not buy a two-seater if you plan on having children in two years. Hold off saving for the family vehicle. Also, do not sell the minivan after middle school because the kids are not in sports anymore. You may need it to haul your child's belongings to college.7. Get Organized - Buy a file cabinet for financial and other important papers. This central location will allow you both to understand where anything important belongs. You can avoid many financial mistakes by keeping papers and bills well organized.8. Understand your Health Insurance - Health insurance costs have risen for everyone. If you have employer-provided health insurance, take the extra time to understand your coverage, especially during enrollment time. Understanding your coverage may help you save a lot of money. Figure out which policy is best for your family. For instance, if you have a high monthly prescription expense you may research which plan pays the most for prescriptions. If your medical and/or dental expenses are very high, you may be able to deduct them (7.5) of your adjusted gross income. Keep track of your mileage to doctor appointments (20 cents per mile). See your tax advisor regarding your specific situation and see irs.gov Publication 502.9. Set long and short-term goals together - Creating goals together is a wonderful marital exercise. You will learn what each partner finds most important both now and in the future. It is amazing how current wants can be dismissed when they are compared with a written plan.10. Determine areas of overspending - Each month as you both check your budgeting progress, watch for recurring overspending in any categories. You will probably find one or two areas that go over each month. If you are within your overall budget, you may want to raise your budget amount in those areas or find ways to lower your spending. Many busy families find that eating out regularly exceeds their budgeted amount. This one requires extra self-discipline to plan ahead and create freezer meals that you can fix in a matter of minutes. Tired moms will hate this suggestion at first, but it really can save hundreds of dollars.11. Do not let grocery shopping be a budget buster - A penny saved really is a penny earned when it comes to grocery shopping. For decades, women have come up with creative ways to save on groceries. I remember my mother saying that any money she saved from groceries went toward birthday and Christmas gifts. Somehow, through hard work she was able to feed three growing boys and still have money left over! My wife's family preserved produce from their large garden and from local fruit growers. Others use coupons, shop for sales at multiple stores, or plan meals around sale items. All of these ways are wonderful - do whatever works for you. My wife recently read a huge stack of books from the library about saving money and discovered one recurring theme about grocery shopping. Most books recommended keeping a book of regular prices for each item you usually purchase. That way you can see if it is really a great sale price, or if they simply put it in the grocery flyer at the regular price. If that sounds like a lot of work to you, visit www.Thegrocerygame.com. After entering your zip code and your local grocery store, you will be able to access a computerized list of best deals at your store that week. After only three weeks, we have saved about $200, and we have begun a stockpile of groceries in the pantry.
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A home treadmill may give your body just the boost it needs to banish the battle of the bulge forever. While your diet and nutrition plan is important, exercise gets your metabolism revved up and into an optimal fat-burning state. Years of yo-yo dieting can cause your metabolism to go into near-hibernation. Without activity, you have virtually no chance to trim down to your goal body size. With a home treadmill, all your exercise excuses fly out of the window! So, get moving for all the right reasons.1. No Gym Gear Grief: By having an exercise treadmill at home, you overcome an enormous stumbling block in your weight loss efforts. For many exercise rookies, going to the gym in tight-fitting fitness apparel or performing in front of other people is extremely threatening and disheartening. This is especially true if you don't have a friend who can accompany you during those first scary, self-conscious weeks. It may also be difficult to go out at night for a session at the gym, while this concern disappears when you have a treadmill in your living room. If this sounds like you, home gym equipment may be the solution.2. The Power Of Distraction: With an exercise machine at the ready, you can hop on at any time, without dressing up or going through the schlep of taking the car out, spending time on the road, and hunting for a parking spot at the gym. You can indulge in your favorite soapie while practicing your fat-burning feats. Why not chat to a friend on the phone or catch up on your reading while you exercise. Many of the new treadmill models from companies such as Proform Treadmills or Precor Treadmills come fully equipped with state-of-the art entertainment systems. Your time on the treadmill will pass so quickly, you will hardly notice.3. No Weather Woes: By having a treadmill at home, you remove the possibility of using the weather as an excuse not to exercise. You also lessen your risk of injury, as the running surface of a home treadmill is well-cushioned to protect your joints - the demise of yet another excuse!4. Rev Up Your Weight Loss: Studies have shown that people with access to home fitness equipment were far more successful in their weight loss and diet efforts than those without it. With a treadmill right under your nose, you have a constant reminder that you need to get moving. With a bit of persistence you may soon exchange the couch habit for a walking habit.5. Just Do It: A home treadmill allows you to exercise whenever you feel like it. It has been proven that folks with treadmills or other home gym equipment at home manage to maintain a higher level of activity. One important additional benefit is that you are free to exercise for short periods throughout the day, keeping your metabolism fired up and working more efficiently for long after you have stopped exercising. This is impossible if you have to go to a gym or health club.Braking your routine into segments may be a highly effective way to approach your workouts when you start out. A 45 minute session will seem daunting at first, while ten minutes feels quite attainable. Over time you will be inclined to increase the length of your workout time to around an hour, as well as to increase the resistance levels.6. Programmed For Success: Many top-rated treadmills come with fat-burning targets built into their programs. Your treadmill's computer will actually make all the necessary calculations for you according to your age and weight. The program will then guide you to work out at a specific heart rate that will ensure the most productive intensity level to maximize your calorie crunching ability.7. Vary The Routine: You usually have access to a whole range of specialized programs that will keep things interesting. You can target specific areas, such as fat-burning or marathon training, according to your needs. You are free to either walk, jog or sprint. You can change to an uphill walk or jog. You may even add weights to improve your results. Treadmills have long been seen as one of the best cardiovascular exercise options on the market. Using the larger leg muscles maximizes calorie burning.8. Goodbye Guilt: Rather than heading to the refrigerator at night when you feel bored or lonely, stop at your treadmill and see how great you feel after a ten minute session! No gobble-guilt to weigh you down for the rest of the evening...9. Opt For Health: It is widely known that a sedentary lifestyle leads to obesity, heart problems and diabetes. With a home treadmill you will soon be smiling about this statement, knowing that you are no longer part of this unhealthy group.10. Know Yourself: Just make sure that you will be able to discipline yourself. If you need the support of a group, or the motivation of a personal trainer, a home treadmill may not be the best option for you. In this case, you may have to add the back-up of a gym membership to keep you on track.What is most important is that you try to have fun trimming down on a home treadmill!
The business world is a very competitive place to be. Everyday business owners just like you struggle to make it through another month, another year. But the difference between those who make it and those whose businesses fail is simply frame of mind and willingness to work. It's understanding your own business intuition, and giving it a good workout � practicing common sense in the best possible way to gain success.The following are 10 ways to give that business intuition a good workout and make sure that you're using it to its fullest.1. Think Innovative Ideas and ConceptsOriginality is the only thing that can really set you apart from your competitors. And though being creative isn't something you can simply turn on and off, how you can make your business better and different than others is something that should be on your mind everyday. Most importantly though, is that you don't simply do what others have done-try and think differently to make your success different.2. Examine Your OptionsDepending on what kind of business you run, there are often dozens of different directions you could take with it at any given time. Take an example from those who have come before-examine businesses similar to yours and see what set them apart. This will give you a better idea of what can come next for your business.3. Do Your HomeworkBefore you can get the best impression of what you should be doing, you need to make sure that you'll have done your homework. Not only will this give you the most thorough understanding of what will be expected of you, but it will also inspire you in ways that you can better your business and make it truly stand out. Homework isn't just something you left behind in school � it's something you'll need to dedicate yourself to doing, to open your intuition to every opportunity that is out there.4. Pound the PavementJust like when you're looking for a job, it can help to get out there and pound the pavement a little. Whether it's physical pavement, or the pavement of the information highway on the internet, it's a good idea to get out there and find out what's around you. What is your competition doing? How can you become more attractive to your niche market?5. Get in the KnowBe an industry leader by getting to know everything there is to know about your business. It's your business-so you should know every part of it.6. Ask AroundDon't be shy-ask everyone who comes in what they think, everyone you work with what they would do differently. Visit similar businesses in your area, and have a look at the websites of businesses providing similar products and services. Make a point to ask their proprietors what set them apart: it can give you a better idea of just how to proceed.7. Look AroundJust as important as asking around is keeping your eyes open-take the time to look around and you might be amazed at what you see.8. Spend Your Money WiselyOf course this goes without saying, right? In fact, being frugal is something no business owner can take for granted. It is of vital importance that you make a detailed budget and then stick to it. More importantly, when it comes time to update or change your business, you have to have done your homework, because you'll want to spend your money very wisely.9. Work Hard and SmartRunning your own business-and make it fly-is nothing but hard work. But if you go into it knowing that you're going to have to go the extra mile, you'll be starting off on the right foot. Your business needs to be your top priority and first thought everyday if it's going to succeed.10. Follow Your HeartMore than anything, when it's time for change you have to follow your heart. It's your business, and it should be a reflection of your passion and commitment. Whatever you have in mind for your business, always make it honest and from you and it's sure to succeed.Using your business intuition and giving it a good workout is a matter of opening up your eyes, learning about your own environment, industry, and clientele, and practicing good common sense. Give your "gut sense" something to consider, by getting out there and finding out what others are doing. Don't ignore what your gut is telling you. The odds are, it's sending you a message for a reason.
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