Money Maker Business Anheuser Busch And MicrobrewsAugust 28

Money Maker Business Anheuser Busch And Microbrews
By Anita Jernigan

Beer brewing has always been the core business of
the Anheuser-Busch company. An industry leader
since 1957, Anheuser-Busch currently owns over half
of the domestic beer market.

The market share money maker business has grown so much that Anheuser-Busch now has a bigger portion of the market than the next four competitors, with the international
sales being no different. Anheuser-Busch remains
the leading exporter of beer from the United States,
with sales in more than 60 countries.

Microbreweries, or microbrews for short, have been
gaining a lot of attention in the past several
years. Microbrews are best classified as breweries
that produce less than 15,000 barrels in a given
year.

The strength of microbrews is found in their
philosophy that beer should be of the highest
quality. Therefore, microbrews are only brewed
with malted barley, hops, water, and yeast, which
are the only four ingredients found in the purist
German beers. Mass bottled beers normally add
rice and corn to help lower costs.

The only drawback to microbrews is what they cost.
The more expensive ingredients found in microbrews
cost on average 60% higher than the mass bottled
beers.

Beer isn’t like wine, which tends to get better
with age. Beer is instead a food that should be
consumed as soon as possible after production.
With this in mind, pubs or microbrews that
produce beer on the premises are the hottest new
trends, with four new pubs on average popping
up each and every week.

Each year, sales of microbrews goes up an average
of 40% each year. This figure is very impressive
when you consider that the market is shrinking
as a whole. Even with this amazing success, the
microbrew sales represent around two percent of
the entire beer market.

In their pursuit to continue dominating the
entire beer market, Anheuser-Busch has tapped
into the trend of microbrews. They recently
purchased a stake in the Seattle based Red Hook
Ale microbrewery. The new products they released
into the beer market include Red Wolf, Elk
Mountain Red, and Elk Mountain Amber Ale.

Microbrews are normally produced regionally,
therefore Anheuser-Busch is developing regional
manufacturers and distributors. By doing this,
they must decide on the best possible way to
handle their short term cash needs for purchasing
inventory in these tiny plants.

With their recent transition into the world of
microbrews, you can count on Anheuser-Busch to
make quite the impact. They will be offering
more microbrews in the future, which is great
news for beer drinkers. If you like the wild
taste of microbrews, Anheuser-Busch is more than
worth your time and money.
www.Thebeerinfo.com

Free Money Savings Advice for Troubleshooting Home Brewing BeerAugust 19

Free Money Savings Advice for Troubleshooting Home Brewing Beer By Anita Jernigan
Stuck fermentation
Stuck fermentation occurs when your beer fails to
ferment to completion. This can result from the
use of old yeast or poor ingredients. The best
way to take care of this problem, is to prevent
it from starting. To do this, you should:
1. Re-hydrate the yeast by adding it to
some water and adding wort to the yeast an hour
or more before you pitch. This will help ensure
that your yeast is still active.
2. Use an all malt or a recipe that has
a lot of it, as yeast needs nutrients to stay
alive. Corn and sugar lack these nutrients. If
your yeast still fails to survive, it cannot
reproduce. For this very reason, distilled water
shouldn’t be used when making beer.

Under carbonation
If you’ve used the proper amount of priming sugar
and your beer is still flat, it’s probably due
to the fact that you didn’t properly rise the
sanitizing solution from the bottles. If too
much sanitizer is left in the bottles, it can
kill the yeast, which results in flat beer. The
only way to prevent this is to stop it from
happening.

Over carbonation
Over carbonation can cause your beer to turn into
a foam disaster. It can result from these causes:
1. Too much or uneven priming sugar. You
should measure your primer carefully and dissolve
it thoroughly in boiling water and allow it the
proper time to cool. Before bottling, make sure
to stir this into your beer.
2. Bottling your beer too early can also
result in too much carbonation.
3. Poor sanitization is also a cause. If
you allow your beer to come in contact with wild
yeast, it can result in over carbonation and
possibly even off flavors.
4. Bottles that are under filled can
also contribute to over carbonation. You should
allow 1/2 inch of head space to allow your
beer time to pressurize.

By taking the proper time to fix problems, you’ll
ensure that your brew comes out great every
time you brew it. If you happen to run into a
problem, always take the time to rationize it
before you rush into fixing it. If you rush into
fixing a problem, you may start another one.

You should expect problems, especially if this
is your first time brewing. Even for expert home
brewers, problems can occur from time to time –
which is something you’ll learn to deal with.
www.Thebeerinfo.com

Harley Davidson Bikers Love The Best Leather Prices on the Net Comparison Shopping when Online Shopping At Topleatherwear.comAugust 13

Harley Davidson Bikers Love The Best Leather Prices on the Net Comparison Shopping when Online Shopping At Topleatherwear.com
By Anita Jernigan

One of the conveniences of online shopping which is enjoyed by many is the ease of comparison shopping Topleatherwear. The ability to compare items quickly and accurate is ideal to shoppers who are looking to purchase items which offer the best features as well as to shoppers like Harley Davidson’s Bikers who are looking to find the best bargain on a particular item. This article will discuss a few of the ways in which comparison shopping takes place during online shopping including manual comparisons by the consumer and using comparison charts. This article will also discuss how items which are not readily available in traditional stores can be compared quickly and accurately when shopping for these items online.

Conducting Your Own Comparisons

Online shoppers often perform comparisons of items online in much the same way best leather prices on the net they would compare items available in traditional stores. However, the comparison process is greatly simplified when the consumer is doing the comparison online. When comparing two items a consumer may look at a variety of different aspects. Some of these aspects may include available features, durability, aesthetic appearance and even price. However, when comparing these items in traditional stores the process can be rather difficult. Consumers can often compare similar items in one store to determine which model of the item they prefer. However, once this comparison is complete the consumer also typically wishes to compare this chosen item with others available in terms of the cost of the item.

This financial comparison typically involves traveling from one store to another and comparing the price of the item at each store to determine which store is offering the item at the most favorable price. Online shoppers may also be interested in comparing the features and prices associated with a particular item but they have the advantage of being able to conduct these comparisons from the convenience of their home. Consumers can simply sit at their home computer and visit websites for retailers offering items of interest. With this information the consumer can determine which item they wish to purchase and which retailer they wish to patronize. The online shopper can also make this purchase from the convenience of his home rather than having to travel to the selected store to purchase a chosen item.

Using Comparison Charts Available Online

Another great advantage of shopping online is the ability to generate comparison charts of similar items almost instantly. Many online retailers who offer products from a number of different manufacturers also offer the ability to compare these items easily. In fact many online retailers will enable the online shopper to select several items they are interested in learning more about and then generates a chart outlining the essential features of each product as well as the price for which the product is being offered.

Comparing Items Not Readily Available

Another way in which online shopping is very convenient for comparison shopping is it gives the consumer the opportunity to compare items which are not readily available. This may include items which are new and popular as well as items which are older and rarer. Making these comparisons in traditional stores can be quite difficult because the consumer may not be able to find stores which are currently stocking a particular item. However, when shopping online it is far easier to find online retailers who offer products which are otherwise hard to fine. Therefore, it is much easier to compare these items online. This is because the comparison can take place even if the online retailer does not have the product available for sale. The online retailer likely has enough of a product description stored to provide readers with a wealth of information about the products which may not currently be available. Conversely shoppers who rely on traditional stores may spend days, weeks, months or even years waiting for a particular product to become available for comparison purposes.

Cash Benefits of Re-FinancingAugust 10

Cash Benefits of Re-Financing
By Anita Jernigan

There are a number of benefits which may be associated with re-financing a home. While there are some situations where re-financing is not the right decision, there are a host of benefits which can be gained from re-financing under favorable conditions. Some of these benefits include lower monthly payments, debt consolidation and the ability to utilize the existing equity in the home. Homeowners who are considering re-financing should consider each of these options with their current financial situation to determine whether or not they wish to re-finance their home.

Lower Monthly Payments

For many homeowners the possibility of lower monthly payments is a very appealing benefit of re-financing. Many homeowners live paycheck to paycheck and for these homeowners finding an opportunity to increase their savings can be a monumental feat. Homeowners who are able to negotiate lower interest rates when they re-finance their home will likely see the benefit of lower monthly mortgage payments resulting from the decision to re-finance.

Each month homeowners submit a mortgage payment. This payment is typically used to repay a portion of the interest as well as a portion of the principle on the loan. Homeowners who are able to refinance their loan at a lower interest rate may see a decrease in the amount they are paying in both interest and principle. This may be due to the lower interest rate as well as the lower remaining balance. When a home is re-financed, a second mortgage is taken out to repay the first mortgage. If the existing mortgage was already a few years old, it is likely the homeowner already had some equity and had paid off some of the previous principle balance. This enables the homeowner to take out a smaller mortgage when they re-finance their home because they are repaying a smaller debt than the original purchase price of the home.

Debt Consolidation

Some homeowners begin to investigate re-financing for the purpose of debt consolidation. This is especially true for homeowners who have high interest debts such as credit card debts. A debt consolidation loan enables the homeowner to use the existing equity in their home as collateral to secure a low interest loan which is large enough to repay the existing balance on the home as well as a number of other debts such as credit card debt, car loans, student loans or any other debts the homeowner may have.

When re-financing is done of the purpose of debt consolidation there is not always an overall increase in savings. Those who are seeking to consolidate their debts are often struggling with their monthly payments and are seeking an option which makes it easier for the homeowner to manage their monthly bills.

Additionally, debt consolidation can also simplify the process of paying monthly bills. Homeowners who are apprehensive about participating in monthly bill pay programs may be overwhelmed by the amount of bills they have to pay each month. Even if the value of these bills is not worrisome just the act of writing several checks each month and ensuring they are sent, on time, to the correct location can be overwhelming. For this reason, many homeowners often re-finance their mortgage to minimize the amount of payments they are making each month.

Using the Existing Equity in the Home

Another popular reason for re-financing is to use the existing equity in the home. Homeowners who have a considerable amount of equity in their home may find they are able to cash out some of this equity for other purposes. This may include making improvements to the home, starting a business, taking a dream vacation or pursuing a higher degree of education. The homeowner is not limited in how they can use the equity in their home and may re-finance a home equity line of credit which can be used for any purpose imaginable. A home equity line of credit is different from a loan because the funds are not disbursed all at once. Rather the funds are made available to the homeowner and the homeowner can withdraw these finds at anytime during the draw period.

ATV Trail Date Cheap Money Will Not Break Your FinancesAugust 6

ATV Trail Date Cheap Money Will Not Break Your Finances
By Anita Jernigan

The ATV trail is a place for dirt, mud, gravel and romance?

Today’s ladies are hardly the proper models of the Victorian Era; in fact, there are plenty of gals out there just itching to ride their four-wheelers with as much gusto as their male counterparts. So if you’re a dude who’s scratching his head for the perfect place to woo your next girlfriend, why not choose an ATV trail excursion cheap money?

Of course, in order to ensure that your adventure is on the amorous side, you’ll need to incorporate a little bit of heartfelt and sincere sweetness into the occasion. Start off by sending your “special friend” an invite for an ATV cruise to watch the sunset from a trail nearby. The invitation should be handwritten and sent via the mail, or, if you’re cyber-savvy, emailed.

Plan your date as you would any other. First, map out the perfect ATV trail based on your companion’s four-wheeling level. If she’s just starting out (or hasn’t ridden before), choose a smooth path that will leave her breathless and smiling, but definitely not terrified. On the other hand, if she’s a veteran ATV operator, you can up the ante by picking out a more technically difficult trail filled with twists and turns. Regardless, make certain you know the mileage so you’re at the appropriate spot come nightfall (a sunset always makes a lovely date backdrop.)

Because this is a date, you’ll want to look your best. Though ATV riding can be a dirty proposition, a suit and tie is wildly inappropriate; however, that doesn’t mean you have to show up looking like a slob. At least comb your hair and trim your fingernails. Remember to brush your teeth, too, as most people like fresh breath.

When you pick up or meet your sweet thing, show her how much you care by holding up a bag packed with plenty of goodies for the two of you to enjoy during your adventure. These could include some non-alcoholic beverages, yummy snacks, a radio or CD player for music options and a camera so you can capture your moments together.

During the ride, you’ll no doubt have a plethora of opportunities to wow your significant other by pointing out exceptional scenery or by picking her a handful of wildflowers this will not Break your finances. Since this is a date, don’t be in a hurry to get from point A to point B; allow yourselves to linger when feasible. And, of course, if the mood strikes, “stealing” kisses is always appropriate if mutually desired.

Should something go wrong along the way, keep yourself calm, cool and collected. Remember, this ATV trail date is about the journey, not about the destination and she’ll recall fondly how you handled an unexpected situation if you keep a level head.

Though an ATV trail date of this sort isn’t guaranteed to produce a relationship that will last the test of time, it’s still likely to be a terrific experience for you both. You just have to put a little planning into the excursion and be open to possibilities.

Money 9 Beach Vacation Ideas Key To Being Free From WorryAugust 4

Money 9 Beach Vacation Ideas Key To Being Free From Worry
By Anita Jernigan

When it comes to go on your beach vacation, it can
be very hard to pick a destination. There are many
places you can go, whether you want to explore the
beaches of Hawaii or just play golf in Georgia.
Below, you’ll find 9 ideas to help you decide on
where to go for your vacation.

1. Hawaii resort
You can choose to put your frequent flier miles to
good use and take a beach vacation on the island of
Hawaii. Here, you can relax on the beach, swim in
the ocean, play golf, and even indulge in one of
the many innovative spa treatments. Hawaii enjoys
some of the best weather in the world – making it
a great choice for your beach vacation.

2. Golf and Beach in Georgia
Popular among the East Coast, the Cloister at Sea
Island in Georgia offers you 54 holes of championship
golf, sandy beaches, and a wide array of things for
you to do.

3. Oahu beach vacation
At the Kahala Mandarin Oriental you can expect to be
pampered like never before. You can visit the spa,
take scuba diving classes, or choose to swim it up
with the dolphins. The resort is conveniently
located 15 minutes away from Honolulu and Waikiki
Beach.

4. Virgin Islands vacation
At this vacation destination you can enjoy blue
waters and sandy beaches. The Ritz Carlton, and
St. Thomas resorts offer you the best of luxury
hotels during your beach vacation in the Virgin
Islands.

5. Half Moon Bay California
Located just 30 minutes by car away from San
Francisco, the Ritz Carlton Half Moon Bay is a
quick beach vacation away from the normal busy life
of the city.

6. Luxury Beach Resort of Bermuda
Two hours away by flight from New York City,
Bermuda is a quick and ideal vacation away from the
East Coast. Ariel Sands offers you 47 guest rooms
with gourmet food and breathtaking views.

7. Romance and seclusion in Jamaica
With unique rooms and splendid views of the
Caribbean, gourmet cuisine and amazing beaches,
The Caves resort in Jamaica helps to set the beach
vacation mood like never before.

8. Lakeside Resort Georgia
Near Atlanta Georgia, the Lake Lanier Islands offers
a golf course for golf lovers and a waterpark with
several water rides, slides, and water attractions
the entire family will enjoy.

9. Family fun in Hawaii
The Kona Village Resort in Hawaii offers you
several vacation activities that include snorkeling,
kayaking, sailing, volleyball, tennis, fishing,
scuba diving, and glass bottom boat tours.

Banking Industry Well Kept Secret When Is It A Mistake to Re-financeAugust 1

Banking Industry Well Kept Secret When Is It A Mistake to Re-finance?
By Anita Jernigan

Many homeowners make the mistake of thinking re-financing is always a viable option. However, this is not true and homeowners can actually make a significant financial mistake by re-financing at an inopportune time. There a couple of classic example of when re-financing is a mistake. This occurs when the homeowner does not stay in the property long enough to recoup the cost of re-financing and when the homeowner has had a credit score which has dropped since the original mortgage loan. Other examples are when the interest rate has not dropped enough to offset the closing costs associated with re-financing.

Recouping the Closing Costs

In determining whether or not re-financing is worthwhile the homeowner should determine how long they would have to retain the property to recoup the closing costs. This is significant especially in the case where the homeowner intends to sell the property in the near future. There are re-financing calculators readily available which will provide homeowners with the amount of time they will have to retain the property to make re-financing worthwhile. These calculators require the user to enter input such as the balance of the existing mortgage, the existing interest rate and the new interest rate and the calculator return results comparing the monthly payments on the old mortgage and the new mortgage and also supplies information about the amount of time required for the homeowner to recoup the closing costs.

When Credit Scores Drop

Most homeowners believe a drop in interest rates should immediately signal that it is time to re-finance the home. However, when these interest rates are combined with a drop in the credit score for the homeowner, the resulting re-financed mortgage may not be favorable to the homeowner. Therefore homeowners should carefully consider their credit score at the present time in comparison to the credit score at the time of the original mortgage. Depending on the amount interest rates have dropped, the homeowner may still benefit from re-financing even with a lower credit score but it is not likely. Homeowners may take advantage of free re-financing quotes to get an approximate understanding of whether or not they will benefit from re-financing.

Have the Interest Rates Dropped Enough?

Another common mistake homeowners often make in regard to re-financing is re-financing whenever there is a significant drop in interest rates. This can be a mistake because the homeowner must first carefully evaluate whether or not the interest rate has dropped enough to result in an overall cost savings for the homeowners. Homeowners often make this mistake because they neglect to consider the closing costs associated with re-financing the home. These costs may include application fees, origination fees, appraisal fees and a variety of other closing costs. These costs can add up quite quickly and may eat into the savings generated by the lower interest rate. In some cases the closing costs may even exceed the savings resulting from lower interest rates.

Re-Financing Can Be Beneficial Even When It is a “Mistake”

In reality re-financing is not always the ideal solution, but some homeowners may still opt for re-financing even when it is technically a mistake to do so. This classic example of this type of situation is when a homeowner re-finances to gain the benefit of lower interest rates even though the homeowner winds up paying more in the long run for this re-financing option. This may occur when either the interest rates drop slightly but not enough to result in an overall savings or when a homeowner consolidates a considerable amount of short term debt into a long term mortgage re-finance. Although most financial advisors may warn against this type of financial approach to re-financing, homeowners sometimes go against conventional wisdom to make a change which may increase their monthly cash flow by reducing their mortgage payments. In this situation the homeowner is making the best possible decision for his personal needs.