Grocery Shopping Tips

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IRS Appeals Arbitration Program
The IRS recently released Revenue Procedure 2006-44, which sets out the rules for the finalized IRS Appeals Arbitration program. This new program presents some new opportunities that taxpayers must consider.

The new IRS Appeals Arbitration program provides yet avenue to appeal factual issues that are cannot be resolved by the IRS appeals process. The program is not available for legal i... Read personal finance article



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As many other teenagers, about 25 years ago, I thought about the future. From the very early point of my life I always enjoyed working, but I always wanted to have an option of not having to work. Twenty five years later, I find myself still working and enjoying my work, but I also feel that I am moving closer to my goal. My secrets are as following:

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Grocery Shopping Tips
Do you read the labels when you choose your food? Do you think you understand what they really mean? You may have to change your thinking. Here are some of the grocery shopping secrets you need to know.

Grocery Shopping Secrets - Lying Labels

Read labels much and you'll notice that almost all packaged products have hydrogenated or partially hydrogenated oil in them. This is the stuff scientists give to mice to cause heart disease when they want to study that disease! The good news is that, due to consumer demand, some brands have stopped using it in some of their products. The bad news is that it is still in well over half of all packaged grocery products.

Look at those labels when you're grocery shopping, and you'll also see that sugar is showing up in almost everything. It is even added to most brands of kidney beans, which used to be packed in just water and salt. Why add sugar? Two reasons. The first is simply that our taste buds have come to crave sweetness. This, however, doesn't explain why it is in things like kidney beans. That is a bigger secret.

Sugar is added to kidney beans, peanut butter and many other products that don't need it for taste because these are convenient places to dump it. You see, sugar is cheap - cheaper than the other ingredients. Government subsidies have helped produce so much cheap sugar that growers need to dump it into as many products as they can. This works well for the makers of food products. More sugar and less of the more expensive peanuts in that peanut butter means more profit.

Here an even nastier secret: Manufacturers are lying about the amount of sugar they put in their products. You may be aware that they have to list the ingredients on the label in order, according to how much of each their is. What if they have a product that has more sugar than anything else? They don't want it at the top of the list where everyone can see that it is the primary ingredient, right?

This is how they hide it: They put three types of sugar into the product, so that no one of them is a larger amount than whatever "healthy" ingredient they want to appear at the top of the list. For example, suppose you read on that juice bottle label, "cranberry juice, corn syrup, sugar, high fructose corn syrup and vitamin C."

It looks like the primary ingredient is just natural juice. Perhaps the real story is: 27% juice, 25% corn syrup, 24% sugar, 23 % high fructose corn syrup, 1% Vitamin C. The three types of sugar add up to 72% of the entire bottle's contents! This little trick is becoming depressingly common.

Think you are buying whole wheat products? Whole wheat bread is only whole wheat if it says 100% whole wheat. In fact, even then you should look closer. It might actually say, "Contains 100% whole wheat," which just means they at least threw one wheat grain in there.

"Wheat bread," "wheat flour," "unbleached wheat flour," and "wheat," all just mean some variety of processed white flour that originated from wheat grain. "Wheat" bread is usually nothing more than white bread with enough whole grain thrown in to color it. "Wheat blend" pasta is the latest trick to make you think you're buying whole wheat. It is again just white flour (always the first ingredient, if you look on the label) with enough whole wheat "blended" in to let you feel you are buying a healthier food, so they can charge more.

Here is one more grocery shopping secret or those who want healthier fruits and vegetables. Most frozen fruits and vegetables, when tested against "fresh" fruits and vegetables, have more vitamin content. Why? The flash-freezing that is done shortly after they are picked, preserves the vitamins. "Fresh" fruits and vegetables are in trucks for days, exposed to heat and air, then sit at the grocery store for days,and finally in your refrigerator for days. They lose much of their vitamin content as a result of this treatment. Frozen fruits and veggies can be healthier, and they are even cheaper at times, like when the particular fruit or vegetable isn't in season.

Steve Gillman has been hunting down obscure knowledge and useful secrets for years. Learn more, and get a free gift at: http://www.TheSecretInformationSite.com

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IVA tips

What is an Individual Voluntary Arrangement (IVA)

An individual voluntary arrangement begins with a proposal based on your financial circumstances and how much you are realistically able to afford to contribute towards an IVA, either on a monthly basis or from other assets you may own. The proposal is presented to the court and then to Creditors.

How does it work?

We tell the court the details of your proposal. A meeting of creditors is held, the date of the meeting and details of the proposals being sent to your creditors. Only those creditors who had notice of the meeting are bound by the arrangement, so it is important that you have accurate records of all your creditors' names and addresses. Otherwise, the arrangement might fail because we cannot contact all the creditors and, therefore, bind them to it.

At the meeting, the creditors vote on whether to accept your proposals. If enough creditors (over 75% in value of the creditors present in person or by proxy, and voting on the resolution) vote in favour, the proposals are accepted. They are then binding on all creditors who had notice of, and were entitled to vote at, the meeting.

We supervise the arrangement and pay the creditors in accordance with the accepted proposal.

What will an individual voluntary arrangement cost?

We cannot give estimates of the cost of the arrangement which is paid for out of the Arrangement.

When can you make an individual voluntary arrangement?

It is better and cheaper for you to set up an individual voluntary arrangement before you become bankrupt, but you can propose one afterwards.

Are there any restrictions?

There is no maximum or minimum level of debt and no maximum or minimum level of repayments, except what is acceptable to your creditors. An arrangement might particularly suit you if:

- you have friends or relatives prepared to help pay or contribute towards paying your debts;

- your income enables you to pay regular sums to creditors.

What are the advantages of an individual voluntary arrangement compared to going bankrupt?

- It gives you more say in how your assets are dealt with and how payments are made to creditors. You may be able to persuade your creditors to allow you to retain certain assets (such as your home). You will obviously have to act responsibly and flexibly in order to reach agreement with your creditors.

- You avoid the restrictions which apply to a bankrupt

- Because you will not have to pay some of the fees and expenses which are charged in a bankruptcy, the overall costs are likely to be less.

Can an individual voluntary arrangement be proposed by a member of a partnership?

Yes. You can propose an individual voluntary arrangement on your own which must take into account the claims that the creditors of the partnership have against you personally. It will not affect the rights of the partnership creditors to take action against the partnership itself or against any other partner.

Alternatively, you and your partner(s) may wish to propose an arrangement involving the partnership creditors and the personal creditors of the partners. This can be done in two ways:

- the partners may propose interlocking voluntary arrangements, with each partner making proposals for their own debts and the debts of the partnership; or

- the partnership may propose a partnership voluntary arrangement (usually accompanied by voluntary arrangements for each partner).

We can help you to make proposals to creditors.

Warning: If you enter a voluntary arrangement but fail to give full details of your assets and debts or fail to do what you have agreed under the arrangement, then the insolvency practitioner, or any creditor bound by it, may still petition for your bankruptcy.

Neil Parnham - Webmaster
http://www.crginsolvency.co.uk/




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Grocery Shopping Tips
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