Expert Tips For Selling Personal
April 22nd, 2014
Whole Wheat

by jazzijava


Selling a home is a big venture. It can be incredibly stressful but you can make the process easier by learning all you can beforehand. The key to selling a house is knowledge. There is a lot of things involved in selling and the more you know, the more successful you will be. Read on for suggestions to help you in this process.

When your real estate agent calls to schedule a showing of your home, pop some cookies in the oven before prospective buyers arrive. The smell of freshly baked cookies is better than any air freshener and this homey smell can remind buyers of fond memories in their childhood home, encouraging them to think of the house you are selling as their new home.

Make your Open House appealing to potential buyers by baking a batch of cookies. The olfactory senses of your buyers will be pleased, and your home will instantly feel more appealing. Fresh flowers can have the same appeal. Be cautious when using strong air fresheners however, as over scented houses can turn a buyer off.

If you are selling your home and you have appliances that are severely outdated then you should replace them before showing the house. You can add a little on to the asking price because buyers will be glad to see that there are brand new appliances on the property.

For sellers, consider stretching the calendar to your advantage. Many real estate purchases take place in spring because families often want to minimize the burden on their children during a big move. If you place your house on the market around late February, you’ll have a solid five months to sway potential buyers to consider your property.

When showing your home to potential buyers, be sure to have all closets organized. If a closet is organized, it will seem much larger than one that is cluttered. Buyers will be looking at how much closet space is available and when your closets are organized, the buyer can see how much it will actually hold.

Make sure your home is clean if you have potential buyers looking at it. If your home is cluttered and dirty, the buyers will be looking at the clutter, not at the home itself. If you have any chipping or old paint throughout your home, consider repainting or adding wallpaper. When a buyer will not have to do any work to the home, it is a plus for the sale.

If there are items in your home that you do not want to sell with your home, be sure to remove them before showing your home. If a potential buyer loves an appliance or chandelier that you have, they will want it to come with the house. When you say no, they may decide against purchasing the home. If it is not selling with the home, remove it.

Make sure to organize all items in your home before showing your home to potential buyers. When someone is viewing a home, they will want to look at everything. This will include your medicine cabinets, pantries, and closets. If a buyer sees that all of your things are organized, they will assume that you are a well-organized person who probably took good care of the home.

Houses should be put on the market in late spring or summer to take advantage of the highest real estate market volume. The market is dictated largely by the school year. Home buyers do not want to move their families in the middle of a school term. Thus more houses change hands in the spring and summer than in other seasons.

Be very careful when choosing your real estate agent. There is more to being an agent than just showing you homes or listing your home. You want to be sure that you hire someone that has your best interest in mind. So be sure to interview several agents and check out if there are any reviews on the internet.

When you have found a real estate agent that will best suite your needs, you need to require them to develop a customized marketing plan. Their plan should fit both you and your property. A general approach is not specific enough to sell your home for all that it is worth.

Maintaining the appearance of a house is an important factor when considering marketing that real estate. It will be under the critical eye of anyone who is looking at buying that property. By keeping everything looking perfect or brand new, you will maintain the best appearance to the potential customer.

If you are trying to sell a home to a potential buyer, it is important that you are honest with your customer. If your buyer finds something amiss in the home that you did not tell them about, they will not trust you. If they do not trust you, they will not buy your home.

When selling a house it is a good idea to prepare yourself to lose a little money, if necessary. You may want to get the most from the sale, and try to recover at least the price you paid for it, but sometimes that is not possible in your housing market.

Do not get into an owner financing deal with anyone. There are several lending companies that will provide the funding for just about anyone at this point. If the buyer wants you to carry the mortgage, you get a pretty good idea that they have terrible credit and you will likely be ripped off.

Spruce up the kitchen before you list your home on the market. Make small changes like updating the hardware on the cabinets, add a fresh coat of paint to the walls or the cabinets, add some new light fixtures, maybe a new faucet and curtains. These things are inexpensive and will add appeal to your kitchen.

Hopefully these tips have helped you start to develop a plan on how to handle selling your home. Not all of these tips will apply to your specific situation, but they can all provide you some general knowledge that you can apply to your needs. Don’t let selling your house stress you out, you can get through this and rise to the top.

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Helpful Advice For Those Facing
April 22nd, 2014
Whole Wheat

by jazzijava


Bankruptcy can make or break an individual. Depending on how it is handled, one can recover and save their own life financially, or they can never recover and be stuck in immense debt for the rest of their lives, while losing everything they hold dear. Find out how to handle bankruptcy the right way with the following tips.

Trying to exclude family members you owe money to before filing for personal bankruptcy can get you into serious hot water. The court will look into who you pay-off as far as a year back, and if they find you showing favor to family over other creditors, they could invalidate your filing completely.

When you file for bankruptcy you limit your options for many future loan options. Many banks do not forgive bankruptcy and it shows on your credit report for 10 years. Think twice before making the decision to file for bankruptcy. You might want to defer your bills for a couple of months, instead of hurting your credit for 10 years.

Do not feel embarrassed or guilty about filling for bankruptcy. Many people fear that they will be treated as second class citizens after they declare themselves bankrupt. However, this is not the case. The option to ‘declare yourself bankrupt’ was developed by the government to enable assistance to be given to people who find themselves overwhelmed with debt and in need of a fresh start. Last year, over 1.4 million people filed bankruptcy and the majority of them are now living a happy, debt-free life. So, there is no need for you to be afraid of bankruptcy stigma.

Evaluate your consultation with any lawyer by the way he or she handled the consult. Consider the length of your consult. If it lasted less than 15 minutes or it was with an assistant rather than an actual lawyer conducting the consult, this could signal that lawyer is probably not the best choice. You want someone that takes the time to handle your case personally, and you want to get your money’s worth. You should also shy away from those lawyers who pressure you with phone calls or try convincing you immediately after a consultation by getting pushy.

Make a detailed list. Every creditor and debt should be listed on your application. Even if your credit cards do not carry a balance at all, it should still be included. Loans for cars or recreational vehicles should also be included on your application. Full disclosure is imperative during this part of the bankruptcy process.

The two main kinds of bankruptcy are Chapter 7 and Chapter 13. Make sure you understand them so you know what is best for you. All debt will be eliminated with Chapter 7. All of your financial ties to the people you owe money to will disappear. In a Chapter 13, though, you’ll be put on a payment plan for up to 60 months before being free of your debts. In order to choose the right bankruptcy option, you need to know the differences between these kinds of personal bankruptcy filings.

You do not need to be bankrupt to file for personal bankruptcy. In 1898 the term was changed from “bankrupt” to “debtor” so that people could more readily understand that an inability to pay bills is the main qualifying factor in filing for personal bankruptcy. Most people who file are not, in fact, completely bankrupt.

Thing about filing a Chapter 13 bankruptcy. You are eligible for filing bankruptcy under Chapter 13 if you work and owe less than 0,000. Declaring bankruptcy can assist you in consolidating your debt so you can repay it more easily. Expect to make payments for up to 5 years before your unsecured debts are discharged. Keep in mind that missed payments will trigger dismissal of your case.

Do not assume that declaring bankruptcy will leave you homeless, or without transportation. Depending on how your bankruptcy is set up, you may be able to stay in your home or keep your automobile, so long as you continue to make payments on your car loan or your mortgage.

If you are over the age of 55 and filing for bankruptcy, you are not alone. In fact, this age bracket is the most likely to file. Luckily, retirement savings held in retirement accounts and IRAs are not in danger of being depleted in bankruptcy filings under one million dollars.

Be sure you know the bankruptcy laws before you think about filing. There are many pitfalls you can easily fall into, such as transferring away assets to prevent them from being included in the filing. Also, it is illegal to load up your credit cards with debt right before filing occurs.

When filing for personal bankruptcy, be honest about the state of your finances in your documents. It isn’t a help to you at all to hide assets or additional income. In fact, doing so could lead to your bankruptcy petition being dismissed and you having to refile again. This is wasted time you may not have.

As you prepare to file bankruptcy, you must prepare a list of all your assets. This includes any financial resources, such as financial accounts, titles to real estate holdings or vehicles, and anything you own that exceeds 0 in value. Having this information handy and accurately documents makes the whole process of bankruptcy go much smoother.

Realize that you can obtain credit even a short time after having a discharged bankruptcy. Many lenders and creditors will make smaller loans or amounts of credit to people who have recently filed bankruptcy. They actually view you as less of a risk than you might think. You are prohibited by law from filing another bankruptcy for a certain period of time, and you likely have few, if any, major debts to maintain payments for – both of which make you a less risky debtor in the eyes of some creditors.

Anyone can survive bankruptcy, or they can let it doom their lives. There is a correct way and a wrong way to approach bankruptcy, and hopefully, you realize the right way thanks to the tips in this article. Use them wisely and eliminate personal bankruptcy for good and with ease.

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Artisanal Bakery Transitions To 100%
April 22nd, 2014


Boulder, CO April 22, 2014

Kim & Jake?s, Boulder?s most sought-after bakery since its founding in 2010, announces today the entire bakery has become gluten-free. Everything from wedding cakes to chocolate-and-sea salt cookies to loaves of French bread is now made without wheat gluten. In addition, the bakery sells all of its products through the new e-commerce website, kimandjakes.com, as well as at its storefront and select stores regionally.

?We have been working on perfecting gluten-free recipes for several years, while operating a conventional bakery, and we are confident that our gluten-free products are just as good as those made with wheat. In many cases, they are better,? said Jake Rosenbarger, a former professional cyclist and chef who along with his wife, Kim Rosenbarger, owns the bakery. ?We decided it was time to make the switch to a gluten-free bakery.?

A little more than a year after opening the bakery, Jake was diagnosed with celiac disease, an autoimmune condition that prevents people from being able to properly digest a protein found in wheat and select other grains. The condition made running a bakery challenging. Among other things, Jake had to wear a Hazmat mask while baking.

It would have been easier to switch careers. But their passion for baking kept them in the bakery, toiling for more than a year to build a catalogue of gluten-free recipes and techniques that resulted in superb cakes, cookies, breads and more.

Now, Kim & Jake?s is one of the country?s leading artisanal, gluten-free bakeries. Among other things, Whole Foods Market stores in the Denver metropolitan area sell their products, and Pizzeria Locale – a partnership between the James Beard Award-winning Boulder restaurant Frasca Food and Wine and the Denver-based Mexican restaurant chain Chipotle – uses Kim & Jake?s dough for their gluten-free pizzas. In addition, you can find their baked goods on the menus at The Kitchen restaurants across Colorado, Fresh Thymes Eatery and other spots.

Until today, patrons had to drive to the bakery, or visit a Whole Foods Market, to nab a box of strawberry shortbreads or a bag of hamburger buns. But the new e-commerce site lets people across the country experience Kim & Jake?s baking excellence.

?We are thrilled with the new website, and with our ability to sell to people in Louisiana and Indiana as well as those lucky enough to live along the Front Range of Colorado,? said Kim. ?We have worked hard on our gluten-free recipes, and are excited to share our breads and cakes with more people. You don?t have to have celiac disease, or to just steer clear of wheat, to appreciate our baguettes, or our macchiato cake. It?s just high-quality baking, period.?

About Kim & Jakes

Founded in Boulder, Colorado in 2010 by former pro bike racer and chef Jake Rosenbarger and his wife and chef, Kim Rosenbarger, the bakery specializes in gluten-free baked goods ranging from elaborate wedding cakes to unique cookies to rustic baguettes. For more information, visit kimandjakes.com. Get in touch by heading to the bakery at 641 S. Broadway in Boulder; by telephone, 303-499-9126; or email, info(at)kimandjakes(dot)com. Follow them on Facebook, Twitter or Instagram.







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Want To Try Someone New
April 22nd, 2014
Bread

by stephee


As concerns about health and nutrition continue to rise, so has the custom of making fresh-squeezed juice at home. Juicing offers a convenient and healthy way to lose weight, stay fit and avoid artificial additives and preservatives. Homemade juices can include both fruits and vegetables. From apples and oranges to tomatoes and celery, the following article provides you with all the information you need on juicers, juicing and juices.

Reuse the pulp from your vegetable juices to cut down on waste. You can use vegetable pulp as a base for soups and stews, to add flavor and texture. In addition, the pulp can be used as the base for a compost, which you can then use in your garden to grow even more fresh vegetables.

When you start making your own juices, try adding a vegetable in the mix that you tend to avoid. Vegetables that you do not like alone might end up tasting great to you when mixed in a juice with other flavors. This is a great way to get nutrients you otherwise wouldn’t.

When making carrot juice, make absolutely sure to get fresh, healthy carrots. Signs of old carrots are rubberiness, limpness, wilted tops, and excessive cracking. Look for carrots that have a full color, are firm to the touch, and have green, leafy tops. These carrots will produce the freshest, sweetest juice.

Research the nutrients you need to be taking in to choose which vegetables, fruit, and plants you should be consuming. You don’t have to have every single one every single day, instead spread your nutrient consumption out over a week. For example, if you need beta carotene you can have carrots every other day.

You don’t have to spend a fortune on fresh juicing produce as long as you shop in season. Berries are great in the summer, but will cost you an arm and a leg to buy in the winter, so skip them until the prices drop again. Apples last all winter, so feel free to buy a few bushels and keep them in the garage.

Juicing is the best-tasting way to make sure you’re getting all the daily servings of fruit and vegetables that you need. You can mix them together in a combination that will provide any nutrient you need, and it will taste good no matter what you include. The whole family can sip and enjoy!

Do not overuse vegetables that are high in oxalic acid. This acid is a contributor to kidney stones and can impact osteoporosis and rheumatoid arthritis. Vegetables such as rhubarb, char, beets and spinach contain lots of oxalic acid. Use them in moderation and avoid mixing with broccoli or other high calcium food to maintain prevention.

When juicing for your health you should drink the juice as soon as it’s made. Refrigerating the juice or leaving it on the counter will allow it to lose nutrients as they break down within the juice. Drinking it immediately will be just like eating all those fresh ingredients whole!

Buying a masticating juicer will allow the juice you make to have it’s nutrients break down much slower, meaning you can take your time in drinking it or even store it for a while. It will also leave as much of the natural nutrients intact as possible, giving you the most healthy juice to drink.

If you’re worried about the noise associated with a juicer, pick up a masticating version. They’re the quietest juicers on the market while also providing the most nutritious and healthy juices possible. They also come with many accessories for other food processing, so they can be cost effective as well.

When it comes to juicing, one thing that you want to keep in mind is the fact that despite the time and money that you are losing by making your own juice, you will find that it most likely tastes better than store bought juice. This is important to give you a good reason to keep on juicing and influence others to do the same.

If you can’t find organic produce to use in your juices, make sure that you peel your fruits and vegetables before juicing them. Most of the pesticides on conventionally grown produce is on the skin, and washing isn’t enough to remove all of the residue. Peeling will eliminate the bulk of these contaminants from your food.

Want to know another way that juicing will save you money? You’ll be able to skip the expensive anti-wrinkle and deep moisturizing skin treatments you’ve been buying at the department store! Juicing fruits and vegetables leads to healthier, better looking skin as they are full of moisturizing compounds. The anti-oxidants found in many produce items also can slow down the aging of skin itself.

While carrots are indeed a high glycemic vegetable, studies have shown that carrot juice can actually help keep blood sugar levels stable. Including it in your juice, can sweeten up bitter vegetables like dark leafy greens, plus, it adds a smooth texture to the drink. Even a diabetic can appreciate that!

Aging should be done gracefully. Trying to be an age you are not only shows that you are not comfortable in your own skin. Wear your age proudly. Look your best and do what you can to be healthy, vibrant and fit, but don’t ever cover up your age with younger clothes or makeup that aren’t suited to your stage in life.

One great way to get kids involved in juicing is by having them pick the fruits and vegetables you use! You can take them to a farm to choose their own apples, or to a farmer’s market. Give them each and let them pick whatever they’d like to try. Have them choose one or two ingredients and then you can supply the base, like leafy green vegetables. Don’t ever say they chose the wrong thing, just use less of it so no one will notice if it’s not tasty.

Homemade fruit juices, vegetable juices and mixed juices are nutritious, delicious and, best of all, completely natural. Juicing gives you the freedom to make your own unique blends, as well as all of your family’s traditional favorites. As the above article has illustrated, juicing is limited only by your imagination. Bottom’s up!

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Research Assistant Professor Millet Breeding
April 21st, 2014

Research Assistant Professor, Millet Breeding

to dryland conditions, tolerance to biotic and abiotic stresses, and improved grain and forage yield using

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Research Assistant Professor, Millet Breeding

on adaptation to dryland conditions, tolerance to biotic and abiotic stresses, and improved grain and forage

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