True cost of Homebrew - The Brewing Network.com

I've been brewing 6 months now, started with a few extract kits, then jumped into all grain very quickly.

I was wondering tonight how much I spent to date making my own beer and trying to save money, pasted below is the list.

The bottom line, is just short of $1200.00. Sure adds up quickly

Im a long way from the $50 Mr beer kit that I was originally going to purchase

Oh well,

Item cost note
startup kit $100.00 Groupon deal plus extras
100 Swing top bottles $80.00 Ebay
bottle tree $45.00
bottle washer $25.00
7 gal pot $40.00
13 gal pot $80.00
Mash tun cooler $45.00
freezer and temp control $70.00 criagslist and ebay
15 gal keg, frig , 20lb c02 tank $100.00 package deal didn't really need a frig GREAT DEAL.
misc kegerator parts $100.00
keg/carboy washer parts $70.00
kegs $79.00 Ebay
better bottle $40.00
c02 regulator $100.00
frig $150.00 beer 2010 frig from craiglist.
bargain fittings $40.00 For 15.5 keg

Total $1,164.00

Source: http://www.thebrewingnetwork.com/forum/viewtopic.php?f=&t=28609

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A Ghost Haunting Obama Named Barofsky

Neil Barofsky is not the sort of guy you want popping up in a tight election race, not if you?re Barack Obama.

That's first because Barofsky is an all-too-credible critic of the Obama administration?s lopsided economic approach, which included throwing enormous resources into bucking up big banks and then allowing them to grow even bigger while slighting the underwater homeowners whose plight has weighed down the recovery on which the president's reelection probably depends. Second, it's because Barofsky is out there trying to sell a new book ??Bailout: An Inside Account of How Washington Abandoned Main Street While Rescuing Wall Street ??which offers a?devastating indictment of Obama?s team, especially his Treasury secretary, Tim Geithner. ?

According to Barofsky, the former inspector general in charge of overseeing the $700 billion Troubled Asset Relief Program, the current scandal over the banks? manipulation of Libor ? the London Interbank Offered Rate, one of the most important benchmarks in the world since banks use it to set rates for lending to each other ? is just more evidence that Wall Street?s biggest banks have further captured the financial system on Obama?s watch. And no one can do anything about it, unless they are broken up.?

?This goes to the bigger problem of 'too big to fail,' ? Barofsky said in an interview. ?Because you can?t indict one of these banks. You can?t bring an indictment that would bring down our entire financial system.?

Beyond that, says Barofsky, the response of Geithner and the regulators to the Libor scandal runs an ?incredible parallel? to their feckless attitude toward the misconduct of the banks in the administration?s Home Affordable Modification Program, or HAMP.? ?Check a box, send an e-mail, but don?t do anything to address the problems,? he says. Barofsky was referring to official reports that, at the height of the financial crisis in 2008, British bank Barclays admitted to the New York Fed that it was booking artificially lower borrowing rates to help its bottom line and?that Geithner, as the head of the New York Fed, sent an e-mail to the Bank of England about the problem, but without any apparent follow-up.

In more unwelcome election-year publicity for the administration, Geithner is expected to testify before the House and Senate banking committees this week about his response to the Libor scandal. In a recent appearance at a private conference, Geithner took credit for notifying the British and regulators at ?a very early stage.?

"The United States, to its credit, set in motion at that stage a very, very powerful enforcement response, the first of which you've now seen," Geithner said last week at the CNBC Institutional Investor Delivering Alpha Conference in New York.

But Barofsky criticizes Geithner over ?the conversation that didn?t happen,? which would have been ?to call up the Department of Justice and say, ?We just had a bank [Barclay?s] confess on tape to participating in a global conspiracy to fix the interest rate.? Instead, the Department of Justice didn?t open a case until 2010.?

In the interim, Barofsky says, Geithner and other U.S. regulators conveyed to the market that the manipulation was not a serious matter to them, even basing their rescue programs and the bailout of AIG on what they had reason to suspect were artificially lowered Libor rates. This was done in an apparent effort to rescue the banks at all costs not only during the crisis, but after the worst of it had passed.

Barofsky is not alone in his criticism. Last week, Sheila Bair, the former head of the Federal Deposit Insurance Corp., also criticized Geithner and U.S. regulators. "Looking at those e-mails, it looks like they had pretty explicit notification of some very bad behavior, and I don't understand why they didn't investigate," she said.

It took nearly four years for penalties to be brought. Last month, Barclays agreed to pay $453 million in fines and penalties. CNBC reported on Monday that U.S. prosecutors and British investigators are also close to bringing charges against some traders who manipulated interest rates.

As with Libor, the banking industry?s abuse of the HAMP program is well documented, as is the administration?s failure to curb those abuses. For the most part, Treasury simply stood by while the banks strung along thousands of mortgage holders, promising ?modification? of their loan terms that never happened and sending them needlessly into deeper debt. The administration also fretted over the ?moral hazard? of helping reckless homeowners, though in more cases than not those homeowners had been led on by securities firms manipulating the mortgage bubble, and the administration had long since stopped worrying about the moral hazard of bailing out too-big-to-fail banks. In particular, Geithner and Obama?s chief economic adviser, Larry Summers, avoided pushing for a "cramdown," which would have allowed federal bankruptcy judges to force banks to reduce mortgage balances, cut interest rates,?and lengthen the terms of loans to help borrowers get out of trouble.?Even Obama's own housing secretary, Shaun Donovan, later told National Journal that that was a "missed opportunity."

And in the end, the administration used only a fraction of the total amount of rescue money allocated under TARP to help underwater homeowners. ?They had $250 billion, allocated, that they could use without a single vote in Congress. And they gave it back,? says Barofsky. ?People need to be held accountable.?

Asked to respond to the criticisms in Barofsky?s book, a Treasury spokesman said only, ?We haven?t seen the book, but we wish Mr. Barofsky well.?

?

Source: http://news.yahoo.com/ghost-haunting-obama-named-barofsky-174743097.html

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Apple and Amazon Plan New Mobile Devices - Small Business Trends

Apple and Amazon plan new mobile devices as competition escalates to satisfy the huge market for mobile technology. Business use of this technology allows greater efficiency and versatility, so business users will likely be an important part of that market. But even as these two companies announce their new offerings, other devices are already selling big. Here are some of the devices either already on the market or coming soon:

Apple Takes Another Bite

The shape of iPhones to come. The iPhone 5 is due this fall, but one change users may see is a new, smaller 19-pin connect port in place of the proprietary 30-pin port common on previous models. The change is likely to upset regular users of Apple products, but will be good news for accessory makers who will need to create products for the new standard. PC World

Part of the EU stew. One important reason for the change in specs may be that Apple is obligated to meet certain guidelines under new European regulations. The company agreed to standardize its new technology on a micro-USB connector in 2009, which means the new iPhone will be compliant with EU regulations once its manufactured. Ars Technica

Closing the price umbrella. In its bid to produce an iPad mini, Apple is also attempting to eliminate a ?price umbrella? which might allow competitors to enter the market with competition for the $499 iPad in the $199 to $399 price range. But a smaller, cheaper version is also great news for budget-minded business users. I Am Concise

Amazon to Flood Mobile Market

Watch out world. Those were the exact words of one developer working on what may be as many as five or six new mobile devices from a less likely source: Amazon. While the mega-retailer may hope to boost online sales of digital products by putting the devices into consumers? hands, these products will also be new alternatives for business users. Reuters

Ten-inch tablet on tap. Among the new devices Amazon may be set to introduce is a 10-inch tablet, according to Staples, a retailer likely to carry the devices. There?s no word on when the new tablets might be coming, but clearly they will transform the market for business users and others. The Verge

More Mobile Maneuvering

Selling the Galaxy. While the iPhone 5 may still be the most wanted phone among buyers, another device has made major inroads in terms of actual sales. Samsung estimates it has sold 10 million Galaxy S3?s in the past two months. TechCrunch

Seven may be a lucky number. Google says it sees ?incredible demand? for its Nexus 7 mobile device, and began shipping pre-orders two weeks ago. The company is also ramping up its advertising campaign for the new device. The business user demand for the Nexus 7, however, remains to be seen. The Next Web

Source: http://smallbiztrends.com/2012/07/apple-and-amazon-plan-new-mobile-devices.html

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For Those Who Have The Eczema There Are Several Actions You Can

There loads of people who end up suffering from eczema and you need to realize that this is something that they do prescribe medications for and that there is help available using natural methods as well. I?m sure you understand that there can be a lot of negative side effects with regards to using prescription medications which is the reason why men and women search for more natural options. If you?re looking for natural ways to help alleviate the symptoms of your eczema we will be discussing a number of them in the following paragraphs.

For people who don?t suffer from eczema you don?t understand the pain and the irritation that this can cause on a person?s skin all over their bodies. Something else you should recognize is that even though this can be extremely itchy and irritating it can also create sores that will wind up oozing throughout your body. In case you are not aware of this, scratching your eczema can end up making it itch more, and can also wind up spreading the affected area.

When it comes to dealing with your eczema you?re going to find that relieving the stress in your body is going to be one way that you can wind up reducing this condition. As quite a lot of you are probably already aware of is that stress is a thing that can in fact bring your eczema to the surface. Simply because eczema is in essence dry skin, which can be severe, you need to not use alcohol has a stress relieving strategy as this will pull more moisture from your body.

Having said that you ought to also recognize that proper hydration of your body will be something which can also help you reduce the symptoms of your eczema. When you do go and purchase a moisturizer for your skin it will be very important to stay away from any type of moisturizer that has any harsh chemicals simply because this can end up irritating your eczema even more. One more thing you are going to want to stay away from is hot water, mainly because while this is water it is something which can actually wind up drying out your skin even more. Soaking in cool water can wind up offering you some relief of the itching, and this cool water will additionally end up moisturizing your skin at the same time.

Something you should understand is that you can also irritate this condition by utilizing a variety of cleaners and cosmetics that dry out as well as irritate your skin. Washing dishes and doing laundry can actually be two things which irritate your condition so it is recommended you wear rubber gloves in order to avoid contact with the cleaning materials. Cosmetics should be avoided whenever possible, however I know many women are not able to do this and for those of you it?s going to be important to find hypoallergenic cosmetics which are all natural and will not dry out your skin.

Let me ask you, do you think the bit others say about ?newly discovered? when speaking about Tri Mun Hieu Qua? We?re not certain, either, but there are right and wrong ways to Het Mun. Some details are hiding in clear sight.

Source: http://articlereference.net/health-fitness/for-those-who-have-the-eczema-there-are-several-actions-you-can-take-to-help-contend-with-this-issue.html

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Pawsible Marketing Blog: Why it's important for you to own your pet ...

After spending many years in the corporate environment and in the pet business world, there are a lot of important things I have learned...but none more important that the need for business owners to own their business relationships and not farm them out to a wide variety of agencies.

Whether those relationships are with your pet business vendors, retailers, suppliers, media or bloggers, building and maintaining those personal connections yourself can be incredibly valuable to your pet business.

Let's say for a moment that you hire or work through a public relations agency to connect with consumer pet magazines on your behalf. They put together a great press release, send it out to the all the appropriate consumer pet magazines in their database, then follow up to see if that media is interested in covering your new pet product or service.?

Sure, you may get some press out of that contact. But what happens when that public relations agency pitch person no longer works for that PR company, or that PR company no longer works for you? And what happens when the media has specific questions that your agency's pitch person can't answer effectively?

Not only have you lost that contact and have to start all over building that wonderful relationship, but the ease and speed of communication is lost. In the fast paced world of communications, this could be a detriment to your business and you may loose out on the great opportunity at hand.

Here's a much better scenario. You hire a PR or marketing agency, they write a wonderful press release about your product/service with just the right pitch, then provide you with a great intro email and a list of the pet business media who would find your information interesting to their readers, visitors, listeners, or viewers.

Then you send the email.

This method creates a means for you to build a wonderful and productive relationship with that pet business media representative or blogger; and allows you the ability to answer any media questions, quickly, easily, efficiently and very effectively.

When I was a VP of marketing at an Internet banking technology company, and on the other 'side of the fence,' I fought tooth and nail to bring the public relations marketing activity in-house and under my guidance after utilizing a public relations firm for a year or so; much to the doubt of the president of the company . Why? So we, as a company, could build and cultivate those great relationships with the tech media ourselves, without outside interference and?hindrances; and it paid off in spades.?

Because I had formed these great relationships with the media through email communications, press junkets, catching up at trade shows and conferences, and staying in contact with those writers and reporters throughout the year, not only would they almost always cover our new developments, but many times when they were working on a story that related to a product line or subject matter that we were an expert in, we were one of the first sources they would call for a quote for the article; allowing us even more exposure within our field.

And this happens frequently with my own pet business marketing consultancy. When the pet business trade magazines are in the process of writing articles related to pet business marketing, they frequently turn to me for tips, ideas and quotes that they can share with their readers. This allows me to share some great tips to help pet businesses be more successful, and?provides my business with just the type of visibility I want with my target audience.

So the next time you are thinking about outsourcing the important communications and relationships for your pet business, think again...or at least think about how you can work with your agency or agencies to own your own relationships for the long term health of your business.

Source: http://www.marketingmypetbusiness.com/2012/07/why-its-important-for-you-to-own-your.html

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Looking for a Heating or Cooling Contractor | Approved Contractors

It takes a lot of effort to keep your house cool during the summer and warm during the winter. In most cases, it is hard to regulate the temperature because of extreme weather conditions. Now, if you find that both seasons make your household too hot or cold to live in, consider hiring the services of heating or cooling contractors.

You have to be careful with who you hire though because there are a lot of workers in the construction business posing as such. To guide you in hiring the right individual, it helps to follow these guidelines:

1. Look for professionals with complete licence and insurance requirements.

These requirements prove that they have been adequately trained and duly certified to perform their duties. The fact that they have passed such extensive obligations signifies that they know what the work requires and how to go about the job.

2. Ask for referrals from friends and relatives.

In particular, you should ask from people you know that had their cooling or heating systems improved or fixed recently. Aside from the names of the contractor, you should also ask the rate to gauge how much you have to pay. If you want, you could also inspect the homes of previous clients to determine the quality of workmanship.

3. Find out if there are special discounts.

Although you are willing to shell out a considerable amount of money for the improvement project, it is also important to conserve a portion of your finances in cases of emergencies. Thus, try to hire professionals that are easy to negotiate with so you can gain benefit from lower prices.

4. Request for home valuations.

If you have narrowed down to a few candidates, ask each one of them a realistic valuation of your home. By valuation, this means the estimated costs of repair or construction.

5. Hire someone with credible work experience.

This is the true measurement in determining whether you hired the right individual or not. In particular, look for a person with a steady number of loyal clients and long years in the business.

Aside from hiring a contractor, you should also gather relevant materials before the renovation starts. These include air vents and stylish radiators. Although these may cost you a bit, what matters is that your heating and cooling system will be working efficiently.

Source: http://www.approved-contractors.org.uk/2012/07/22/looking-for-a-heating-or-cooling-contractor/

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HTC has a quad-core superphone with a 1080p display in the works

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Source: http://news.yahoo.com/htc-quad-core-superphone-1080p-display-works-204511578.html

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