Sunday, July 31, 2011

Great Tasting Low Carb Recipe

The liver is an amazing organ. Tasked with removing toxins from the body, the liver acts as a natural filter. However, with today's poor, overly processed dietary habits and overindulgence, it is easy for your liver to become overwhelmed and "clogged".

Many people are beginning diets that encourage low carb recipes these days. But, what are low carb recipes? What things can and cannot be made into a low carb recipe? Following your diets strict guidelines is important, but using the Internet as a tool will help you. For instance, you may do a search for quick recipes and come up with many low carb options. There are many different diets to choose from that have low carb rules.

But, many recipes may also be able to be changed into low carb by making simple changes. Meat recipes are probably the most oblivious choice including chicken as it is such a healthy option in most cases. But, what about other choices? Cookie recipes may be the most difficult to find, but choices for sweets will be found. What about a special occasion? Yes, you can easily find easy gourmet recipes as well. Make in advance crockpot recipes? Yes, those too will be found with a little devoted looking.

The best option in finding these hard to find recipes would be too look on your low carb diet's website. You can also do a search for the exact thing or just a category using the Internet. Whatever means you choose, you will find many options to low carb recipes out there. Low carb recipes need to be healthy as well as follow the guidelines specified in your diet's plan. So, it is safe to say, that you will need to research what items you may and may not eat when following these diets by looking through the materials you have purchased or visiting the websites sponsored by those diets. Questions to asked and get answered include knowing the difference between good carbs and bad carbs. Dietitians recommend eating complex carbs because these are full of fiber, phytochemicals, vitamins, and minerals. Other carbs are ones, usually the ones to avoid are simple carbs which contain lots of sugar! There are more things to ask about your diet as well such as the different phases or just how to live a low carb life.

So what is detoxification (detox)? To put it very simply it's "getting the garbage (toxins) out of your body without putting any more in". Toxins can be heavy metals, pesticides, too much vitamin A or chemical residues from the polluted air we breathe or the junk food we eat, which contains sugar salt, artificial colors and flavors. All these are stored mainly in the fatty tissues of the body and can play havoc with your health if they build up to excess or if you have a sensitivity.

Once you know the information you need to choose which low carb recipes you are allowed or those that you are restricted from, changing your favorite recipes into low carb gets easier. Chicken and other meat recipes will be the easiest to switch maybe with very little effort. In certain diets, you are allowed to eat more vegetables, but are restricted on which ones. So instead of having a baked potato with your dinner, you have a baked sweet potato instead. The sweet potato has less of the "bad carbs" then the sweet potato. Maybe instead of fries at your favorite restaurant, you get a salad. When it comes to making things at home, you need recipes that contain good carbs in the correct amounts for your diet.

A crock pot meal may contain a meat choice and fresh veggies, but leave out the potatoes or noodles. There are many choice you will need to make when looking for low carb recipes, but overall, it will be easy to find ones that will fit your taste buds. The most important things to understand are the rules of your low carb diet or lifestyle. Knowing which carbs you can and cannot eat, is the entire battle! Detox diets are used to refer to diets, herbs, and other methods of removing environmental and dietary toxins from the body for general health.

To detoxify one must assist the body in its natural cleansing process, or accelerate it. By following a healthy diet thus enabling the body's organs to flush out the toxins more effectively, taking exercise and particularly long saunas to sweat out the toxins then the process is greatly effective.



Detox diets are used to refer to diets, herbs, and other methods of removing environmental and dietary toxins from the body for general health.

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Saturday, July 30, 2011

Six Steps…to Financially Surviving a Recession

Originally published at The Cube Monkey: Business Success and Personal Development





In this article, I propose Six Steps…to Financially Surviving a Recession. Some believe that saving for three months is impossible. I think it is not only possible but easier than most people think. I’ve outlined six steps to financially surviving a recession. For some, this will be easy to do. For others, you may need to seriously change your spending habits.





Before I begin, however, you should speak with your financial advisor before taking this or any other financially related advice. Finally, this is a long article but I promise it is well worth the read.





#1: Calculate your total monthly necessary expenses; then calculate your total monthly discretionary expenses.





Your total necessary expenses are those that MUST be paid even if you lose your job. To clarify, your mortgage or rent is a necessary expense. Your gas and electric is a necessary expense. Groceries are a necessary expense. Your minimum credit card payments are a necessary expense. A discretionary expense is any expense you can completely eliminate without a substantial penalty. Cable TV, the pool membership, and meals out are all discretionary expenses.





What about services with cancelation fees? If the fee to cancel is less than the cost to complete the contract, then it is a discretionary expense; meaning you can get rid of it if needed.





After you calculate both the necessary and discretionary expenses, add them together to get your total monthly expenses.





#2: Trim the Fat





You’ll need to cut back and be ruthless about achieving your goal of saving three to six months of expenses! Look at all of your expenses listed from Step #1. What can you cut or trim? If you can cut an expense entirely, all the better. However, most of you will likely trim what’s already there. Here are ways to cut back.





Gas and Electric:





- Turn up the thermostat in the summer a few degrees and turn down the thermostat a few degrees in the winter. Save on heating and air conditioning.





- Turn off lights and appliances when not in use.





- Turn down the heat on the hot water heater (just a little – I’m not advocating cold showers)





Making these small changes can add up to a few bucks a month.





Entertainment:





- Cut back on the number of times you eat out.





- Cut back on entertainment in general.





I’m not saying you can’t have fun…but can you have fun without spending a lot of money? Of course! Instead of going to a movie and dropping $20 for the tickets and another $10 on popcorn, rent a movie and pop some microwave popcorn.





Here’s the savings:





- Going out to the movies: $30 ($10/ticket x 2 people + $10 in refreshments/popcorn)





- Renting a movie: $10 ($5 for the movie + $5 for microwave popcorn).





Total Savings: $20…multiply that times a few weeks and you’re saving some serious money.





Cable:





Do you need cable? Most will say yes. But, do you need all those premium channels? Can you live without them for a few months?





Insurance:





Check with your auto and home insurance agent to see if it is possible to raise your deductible. Many times a higher deductible will reduce your monthly, quarterly, or yearly payments.





Credit Cards:





This is a long shot, but if you have always paid your bills on time and are in “good standing” with your credit card companies, ask them to reduce your interest rate.





Groceries:





Try to make dinners and lunches that are more economical. Casseroles, stews, and Crockpot dishes are great examples of meals that are inexpensive and easy to cook. The cost per serving is very low when compared to other meals.











Coffee:





How many times per week do you go to Starbucks or some other coffee cafĂ©? You don’t need to cut that out entirely, but scale back. If you go every day, go every other day. If you go twice a week, go once a week. Try brewing your coffee at home. That saves money as well.











Look over your expense sheet and see what you can cut and trim.





#3: Calculate your Current Monthly Cash Flow





Where does your cash go on a monthly basis? At the end of the month, how much surplus cash is left over after you subtract your expenses from your income? Is there cash left over or is it all spent? After you complete Step #1, you should have a good idea of your monthly expenses. Subtract that from your monthly income to determine what’s left. That will give you a general estimate of your cashflow. However, I prefer a more precise measure.





I use a software program called Budget Calendar by MiShell. It is an inexpensive budget program ($14.95 with a 30 day free trial) that is light-years ahead of anything I’ve ever tried. This software budgets money based on exactly when you get paid and when bills must be paid. I know exactly how much money I will have on any given day. Here is a screen shot. You won’t be disappointed.





After this analysis, you’ll know if there is a surplus or deficit at the end of each month.





One last note, remember to include your monthly debt payments. When you do, however, only include the minimum payment due each month.





#4: Calculate your Monthly Cash Flow after trimming the fat





Use the same process as defined in Step #3 but now calculate your cash flow based on your new, trimmed, leaner budget. I hope that you now have a surplus of available cash to save. If you don’t, you need to seriously look at your expenses and make some significant changes. You are likely living a $100,000 lifestyle on a $50,000 salary.





#5: Start saving





This is it. Start saving! “But what about my mound of credit card debt? Shouldn’t I pay that off before saving?”. No, let me explain why.





Let’s assume that you have a lot of debt and no savings. And to clarify, by debt I mean all debt not counting your mortgage such as credit cards. Assuming that your interest rates on these debts are within a normal range of 0% to 15%, I advise that you pay the minimum amount due on each. Save the surplus cash instead of paying down your credit cards. Here’s why.





Remember that when you calculated your cash flow, I said that you should only include your minimum payments as part of your monthly expenses. Your three to six months of savings includes these minimum payments. Also remember that your three to six months of savings is to keep you afloat while you find a new job. This means you need to save what is a necessary minimum. A minimum payment of $150 on a credit card is the necessary minimum to get you by. If you take your monthly surplus and pay down a credit card, that’s wonderful. But if you lose your job, you’re in trouble. It is better to have six months of savings with debt than it is to have less debt but the inability to pay your mortgage.





Once you save three to six months of expenses, then proceed to pay down your debt. Then you know with complete confidence and with great relief that if you lose your job in a recession, you are capable of paying all of your minimally necessary expenses.





#6: Stay focused, stay determined, and update your budget





You have a plan…now follow it! Keep your budget with you at all times. Before you spend money on something, look at the budget. By constantly referencing your budget, you will be reminded of your goal.





Make sure the budget is a living document. Keep it updated. If you spend less on groceries one week, note it in the budget and see how much additional savings you have. If you need to fix the breaks on your car, note it in the budget as an unexpected expense and adjust your savings accordingly.





If you follow these six steps, you can save three to six months of expenses. For some ths will be easy. For others, you may need to make some lifestyle decisions. The choice is yours. But for piece of mind sake, it is better to cut back now than not have enough money should the unfortunate happen.





I know this was a long article but I hope you find it valuable.





Above all, stay positive. Remember, you’re preparing just in case.





From: The Cube Monkey: Business Success and Personal Development



Ron is a director of an MBA program and is currently earning his Ph.D. in Organizational Leadership. He was a management and information technology consultant for ten years. His insight and advice comes from personal experience (success and failures), doctoral research, and the hundreds of business and personal development books and articles he's read.

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Friday, July 29, 2011

Recipes for Your Crock Pot or Slow Cooker: Beef Stew With V8 Juice and Broccoli Casserole

For all you busy cooks out there, get out your slow cooker or crock pot and make a tasty dish you can forget about for hours as you go about your busy day. And another bonus; you won't have to stand over a hot stove or heat up your kitchen on hot days! This Beef Stew recipe has a richness from the V8 juice that makes it special. Add a salad and crusty bread for an easy, comfort food meal. Do you enjoy broccoli casseroles but don't want to heat up the oven? Get out the slow cooker or crockpot and enjoy this casserole year-round!
CLASSIC BEEF STEW WITH V8 JUICE
1 tall can V8 juice
1 1-lb pkg baby carrots
3 medium potatoes, cubed
1 tsp original Mrs. Dash seasoning
1-2 lb beef stew meat
1/2 yellow onion, chopped
1 beef bouillon cube
1 cup water
1 pkg (10-oz) frozen peas
salt and pepper to taste
In crockpot or slow cooker, combine the V8 juice, carrots (cut in half, if too large), potatoes, and Mrs. Dash seasoning. In a large skillet sprayed with nonstick cooking spray, brown the onions with the beef; add to the crockpot. Add the water and bouillon cube to the skillet stirring to dissolve bouillon and loosen residue in skillet; add to the crockpot. Season to your taste with salt and pepper. Set pot on high and cook for 4 to 6 hours or on low and cook for 6 to 8 hours. Add the peas the last 20 minutes of the cooking time.
SLOW COOKER BROCCOLI CASSEROLE
2 pkgs (10-oz each) frozen chopped broccoli, mostly thawed
1 can condensed cream of celery soup, undiluted
1 1/2 cups shredded cheddar cheese, divided
1/4 cup chopped yellow onion
1/2 tsp Worcestershire sauce
1/4 tsp pepper
1 cup crushed butter-flavor (Ritz) crackers
2 tbsp butter
In a large bowl combine the broccoli, soup, 1 cup of the cheese, onion, Worcestershire sauce, and pepper. Spray slow-cooker with nonstick cooking spray. Pour broccoli mixture into the slow cooker. Sprinkle the cracker crumbs evenly over the top. Cut butter into small portions and dot over the crackers.
Cover slow cooker and cook on high for 2 1/2 to 3 hours. Sprinkle the remaining 1/2 cup of cheese over the top of the casserole and cook another 10 minutes or until the added cheese melts.
Yield: 8 to 10 servings
Enjoy!



You can find more of Linda's crock pot and slow cooker recipes at http://grandmasslowcookerrecipes.blogspot.com  She shares her quick and easy recipes at http://grandmasquickfixrecipes.blogspot.com 

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Sunday, July 24, 2011

Interior Design Ideas for Fall Decorating

We put away our pool accessories and all related items we so used and needed for the summer and search out our flannel sheets, crockpots and winter sweaters to clean for the months ahead.





Making the transition from summer to fall can be quite easy when you prepare in advance. Just as you store away your summertime luxuries for a cold winter season you can store away some fall decor items to bring out on a whim. Make a list of items that you may need to cozy up your rooms. The key is to purchase items that will make the most contribution without breaking the bank. Warm comforter sets, seasonal dinnerware, earthenware, table lenins and baskets. Think essentials that you will use everyday. New throw pillows for the sofa and chairs in nice earth tones. Pottery to hold this seasons bounty of fruits and vegetables. Baskets for kindling and pinecones. Candles and wool throws. All of these items can easily be stored when spring rolls around. By nature we need these comforts and they truely make a difference in how we feel in our rooms during the cold blustery beautiful season of fall.





An instant make-over is to purchase a sofa cover in a soft color for fall. This will change the entire ambience of your space. You may wish to purchase a set of new drapes or valances just for the fall/winter months that can be easily removed for spring/summer.





Make a list. Bring out what you have had stored and spruce up your interiors for this glorious season. You will surely find that the transition is much smoother and you will actually look forward to the change.





Happy Fall everyone and if you are looking for interior design related ebooks or home staging see us at our website at www.Homestages.com



The Home Staging Resource Professionals/Home Stages Designs. Ebooks offered and authored by the CEO/Interior Designer and Home Staging Specialist!

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