Oil rises above $92 per barrel; pump price gains

NEW YORK (AP) ? Oil rose above $92 per barrel for the first time in more than two weeks on Monday.

Meanwhile, pump prices have risen to their highest level since early June.

Oil has gained nearly 20 percent since hitting a low of $77.69 in late June. That's meant higher pump prices for motorists during the summer driving season. The price of retail gas has increased about 29 cents since July 1, and is now within a dime of where it was a year ago.

Prices at the pump rose 5 cents over the weekend to a U.S. average of $3.619 per gallon, according to AAA, Wright Express and the Oil Price Information Service. Much of the increase was due to a spike in gasoline prices in the Midwest, where pipeline and refinery problems helped jack up pump prices last week by about 40 cents or more in some parts of Michigan, Illinois and Wisconsin.

Benchmark U.S. crude rose 80 cents to finish at $92.20 per barrel in New York. Brent crude, which is used to price international varieties of crude, rose 61 cents to end at $109.55 per barrel in London.

Monday's increase for oil followed a big spike on Friday. That's when oil gained almost 5 percent after the U.S. government reported a surge in jobs growth last month, increasing optimism that the economy is on the right track. The pickup in hiring last month was far greater than analysts were expecting and marked the biggest increase since February. Still, the number of jobs added wasn't enough that investors are ruling out some sort of economic stimulus measures by the U.S. Federal Reserve.

Other futures prices on the New York Mercantile Exchange:

? Wholesale gasoline fell .88 cents to $2.9222 a gallon.

? Heating oil rose 1.48 cents to $2.9409 a gallon.

? Natural gas fell rose 3.1 cents to $2.908 per 1,000 cubic feet.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2012-08-06-Oil%20Prices/id-ce9405621cbf491982e3854c9d7f602a

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Verified Drew Brees Jersey Strategies For Dealing With Your ...

It can be difficult to find out to manage joint disease. You Drew Brees Jersey can usually benefit from the following tips in case you are usually the one affected by joint inflammation or caring for someone who is suffering from it. Go through every suggestion carefully to discover some good techniques to decrease the pain that is included with it.

A complete, every day stretching program might help combat arthritis whilst keeping your joint parts wholesome and flexible. Arranging a modest schedule that includes all of your joint parts ? not merely arthritic types ? will enhance your state of health and maintain rheumatoid arthritis under control. Make sure to avoid stretches any important joints that happen to be at present inflamed, although.

A food processor chip can certainly make lifestyle with joint disease definitely, less difficult and less dangerous. Rather than wielding a blade for Drew Brees Jersey chopping, use a food processor chip to help make the process much more manageable. A food cpu helps make many kitchen activities much easier and arthritic hands and wrists and hands and fingers will enjoy the warm, soap and water employed to thoroughly clean the slicing blade, plastic bowl and lid.

Understand good posture. The better your position, the significantly less tension you place in your joints. Ask your medical professional for tips about getting the ideal pose you are able to, and work with it everyday being a regimen. Once you develop healthy posture, you can expect to feel significantly less ache inside your back and knees, in addition to your ft and neck area.

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"Spin-Doctor Parenting": Heartful Art: Playful Ways to Build - blog*spot

This recycled art is a great way to help?kids focus on feelings, character development, social skills?and being more compassionate.? As a therapist, I can think of at least 10 different ways to use these, and also, about a hundred other ways in which I might expand on this notion in sessions, to help kids deal with grief and loss, anger, divorce, trauma and more.? I love using creative therapies with kids, adolescents and families.? But this activity can easily be utilized in homes and classroms

Home/Classroom Use

For now, I'll share a few ideas on how use these these at home or in the classroom:

1.? Keep them in a bowl or bag and pull one out each day and discuss how your family/classroom can focus on that idea for the day or week.

2.? As your family focuses on each concept, track all the varied ways in which they do?so?by creating a construction paper link chain.

3.? Have each person pick one concept or idea that they need MORE of in their life, and find out how the rest of the family/classroom can support them in that endeavor.

Keepin' It Simple

I like things that are simple, but drive home a memorable lesson.? Things just "hook" better in our brains that way.? Having something tangible to hold, see and keep as a reminder of something that is being worked on is generally a helpful thing.??Pulling these?"Heartful Art" hearts together literally took about 5 minutes for each?of them!?

Here's How

1.? Cut out heart shapes from newspaper or old books.

2.? Decorate as you wish...black and white or full out color.

3.? Prepare to Stuff

?

4.? Use crumpled up tissue paper or newspaper
5.? Stitch the sides together, leaving a space large enough to get your stuffing in

Never sewed before? Use a simple tacking stitch to attach the front and back of the hearts. Otherwise, I bet you could do this with a glue stick or a stapler.? (In fact, I know you can, because I've done it that way with younger kids before!)

6.? Enjoy!? Play away!? Have fun!?
Add as many feelings, ideas, concepts or positive thoughts as you see fit!

How will you use Heartful Art?? Tell us below!? We love to hear from you!

As always, from Kidlutions, we wish you Happy Parenting {and Teaching}!

If you're new here, you can sign-up for our

?to get great news about how to raise and teach well-adjusted, socially competent kids!? We hope to see you there!? You'll also get our set of MORE than a DOZEN PRINTABLES for FREE!? ?

Source: http://kidlutions.blogspot.com/2012/08/heartful-art-playful-ways-to-build.html

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Get A Jump On The Tax-Change Stalemate - Business Insider

Thanks to the cliffhanger in Washington over looming tax changes, financial planners have a tough few months ahead.

The planned year-end expiration of the Bush-era tax cuts has created a bitter partisan divide. The only thing everyone seems to agree on is that the current stalemate will last at least through the November elections.

This has set up a series of tough decisions for investors. Sell appreciated stock to lock in today's low capital gains tax, even if the rate may stay the same in a last-minute deal in Washington? Is this the last chance to gift more than $1 million to the kids without getting a big tax bill - and is it even affordable?

It's tempting to take a wait-and-see approach, but advisers should be playing offense, helping clients get their portfolios and estate plans ready for a wide array of scenarios. That way, if and when Congress acts, a client merely needs to pull the trigger and isn't frantic come year end.

Investment Income Taxes

Unless Congress acts, the top tax rate on capital gains will jump to 20 percent from a current 15 percent rate. Dividends, which will be taxed as ordinary income, will face a top rate as high as 39.6 percent, up from 15 percent at the maximum. An additional 3.8 percent Medicare surtax will also be levied on certain investment income for high-earners.

Investors are trying to guess the best time to sell shares and lock in the current low rates. With most people sitting tight for now, there could be a rush of trading toward the end of the year if it looks like Congress won't stop the increase.

To prepare, advisers should get clients to the point where they're ready to do an actual trade. Help them create a list of their highly appreciated and dividend-paying assets - even those managed by other advisers.

Ask them to prioritize what they want to offload first. At the top of the list could be stocks they may be emotionally attached to but appear to be fully valued.

Have clients draft and save an e-mail to you specifying the quantities of each holding they want to sell, so they just have to press send when they're ready, said Bill Fleming, managing director in PricewaterhouseCoopers' Private Company Services practice.

Talk to clients about the fact that the conventional wisdom of deferring taxes as long as possible may not apply right now.

"We are entering a world that is completely different than all the traditional tax planning we've learned," said Michael Kitces, an adviser and partner at Columbia, Maryland-based Pinnacle Advisory Group.

Lower Gift-Tax Exemption

Wealthy Americans are poised to lose a very nice benefit from Uncle Sam at the end of this year. Currently, taxpayers can give gifts of up to $5.12 million during their lifetime - tax free - with gifts above that amount taxed at 35 percent. That is set to fall to $1 million, with gifts above that level taxed at 55 percent, after December 31.

Overall, Democrats support leaving it at $1 million, while Republicans want it abolished.

Advisers should first determine whether clients can afford a gift by running a cash flow analysis to see how long their assets will last. To be safe, go beyond their life expectancy, say, by projecting someone in their 60s will live into their 90s, suggested Jennifer Immel, senior wealth planner at Pittsburgh-based PNC Wealth Management. Assume investment returns that are lower than historical averages and take fees into account, she added.

If the client can afford a gift, tax experts say the smartest way to transfer the assets, be it cash or stock or real estate, is through a trust, which protects the money from creditors and avoids estate taxes from generation to generation.

Even if a client isn't sure they want to make a gift, get the trust in place early because it might be hard - and expensive - to get an estate planner's attention come November.

"The fattest cats are going to get the service, and everyone else will pay a premium," cautioned Mark Haranzo, a New York-based partner focused on the wealth planning issues for the law firm Withers Bergman LLP.

Clients should expect it to take at least a month and to spend about $3,000 to over $10,000 to set up a trust. That is still likely less than the tax hit they could take later, Haranzo said.

Happy Holidays

Try to educate clients proactively, by setting up seminars led by local estate planners and tax attorneys.

The worst thing you can do: wait for clients to come to you with tax questions. They may blame you if they're caught off guard at the end of the year.

"Some people could be staring at a Christmas turkey with a sick feeling because they know their clients are panicking," said Kevin Kimbrough, principal of national sales at Saybrus Partners, a life insurance consultancy to wealth management firms.

(Reporting by Jennifer Hoyt Cummings; Editing by Jennifer Merritt and Dan Grebler; Twitter @jenhoytcummings)

SEE ALSO: 23 secrets to booking cheap flights >?

Source: http://www.businessinsider.com/get-a-jump-on-the-tax-change-stalemate-2012-8

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Banana Oatmeal Chia Pudding ? Little House On The Vegan Prairie

With almond butter, dried cranberries, and sliced almonds. Yum!

?

Friends, colleagues, and comrades,

Quite a bit of time has lapsed since my last blog entry and even longer since my last recipe installment! For this, I apologize. It has been one crazy summer, unfortunately mine did not include John Cusack (movie reference, whoa!). My jobs and the exhaustion and stress that come with them have kept me from being able to devote any time at all to this blog, let alone to thinking creatively about food or even wanting to pretend that my kitchen is a chemistry lab/art studio. Also, living with quite a few people and sharing a large (but often occupied and cluttered) kitchen space really puts a damper on wanting to be in the kitchen at all or even wanting to be creative about food.

To be honest, this past year I?ve survived on mostly large salads, easy pasta dishes and stir-frys, and a variety of sandwiches and fruits. In other words, foods that don?t put me in the kitchen for more than 20 minutes. It?s been frustrating and at the same time really empowering because it?s basically forced me to eat a lot of food without prepping and in raw form. I think I?m healthier for it, sort of. But, I sure do go through a lot of produce (as if that?s ever a problem for healthy vegans)!

So just to catch up, because I know y?all totally care about my personal life?since my last post, I quit one of my jobs?the big one, the one that was making me very miserable and tired and unhealthy. It has been a month and since then a lot of really great things have happened including lots of sleep, lots of eating, lots of exercising, lots of traveling, lots of food sharing, lots of dog kisses, cat snuggles, and even baby sparrow cuddles, and lots of hang-outs with crucial friends, old and new, advocates and otherwise.

It?s been a really uplifting, healthy experience for me and I?m very happy to be able to wake up and take care of myself first, for once. One of the ways I?ve been practicing self-care is by making sure I eat a really good, nutrient dense breakfast. No more running out of the house with a piece of toast or a banana in my hand. I know, it sounds cliched, but it?s so important and so true that breakfast is a very important meal, if not the most important.

But I know you?re really here for the food so let?s talk about it!

I?ve been eating a lot of loaded non-dairy yogurt breakfasts as of late. Basically, almond milk/coconut milk based yogurt with? heaping portions of nuts, dried and raw fruit, hemp seeds, raw oats and my favorite?chia seeds. It was in noticing what chia seeds do when they are mixed with liquid and allowed to sit for some time?they become soft and almost gel-like, like tapioca?that I thought to bring you this next recipe. This recipe is so simple, anyone can make it, any time. All you need is a jar and a refrigerator, really. It takes only minutes to prepare and minutes to eat, and it conveniently fits in jar that you can take with you if you?re on the go!

When I had this yesterday, I calculated that it has at least 20 grams of protein (that?s half of my daily requirement!), 43% of my daily iron requirement, 49% of my daily calcium requirement, and 25 grams of fiber. Not to mention a ton of Omega 3?s and antioxidants thanks to the chia! Whoa. I can?t tell you how much this breakfast fueled my body for the day. I was sustained by this well after noon and, having planned to dedicate hours on my feet in the kitchen baking and to running errands, it was the perfect energy boost I needed to get my day started off right.

Here are two more awesome facts: when you make this it means that breakfast is ready right when you wake up and it?s delicious. Want more? This can easily be made into a chocolatey dessert?just use chocolate flavored non-dairy milk. Or, for you coffee lovers, you can make this a mocha-licious morning treat! I?m not a coffee drinker at all, but I tried my hand at a coffee version and the results are in?it?s caffeinated and it?s good. I added spices to my coffee version (which you can leave out if you wish) because being raised by a Dominican mother, you know to always put spices in your coffee, especially nutmeg. So what are you waiting for? Make your breakfast tonight and enjoy it tomorrow!

Ingredients:
(makes about 1.5 cup = 1 serving)

1/3 cup oats
2 tbsp chia seeds
1 ripe mashed up banana
1/4 tsp vanilla extract
1 cup non-dairy milk
ground cinnamon, as desired (about 1/2 to 1 tsp is good)

Optional add-ins (to be added after refrigeration):
2 tbsp almond butter (or peanut or cashew butter)
any assortment of dried fruit and nuts
raw fruit, chopped

Directions:

Combine all ingredients in a 16 ounce jar or small Tupperware container. Refrigerate overnight.

In the morning, mix in additional ingredients, if desired. Serve cold and enjoy!

Dominican Coffee-Flavored Banana Oatmeal Chia Pudding

Ingredients:

1/3 cup oats
2 tbsp chia seeds
1 ripe mashed up banana
1/4 tsp vanilla extract
1 cup coffee flavored non-dairy milk (recipe below)
1 tsp ground cinnamon
1/4 tsp ground nutmeg, (freshly ground is best!)
1/8 tsp ground cloves
1 tbsp agave, optional

Coffee flavored non-dairy milk
Ingredients:
(makes 1 cup)

1? to? 1 and 1/2 cups non-dairy milk (I used almond)
2 tbsp ground coffee

Directions:

In a stove top espresso coffee maker (pictured below) or a French press, make the coffee. If you?re using an espresso coffee maker, the milk will reduce to about 1/2 cup, if that is the case, when the coffee is done add another 1/2 cup of milk to get a total of 1 cup. If you?re using a French press, this will not be an issue, just use 1 cup at the start and press.

Combine all ingredients in a jar or Tupperware container and refrigerate overnight. Serve cold, add more sweetener if you wish (as you would coffee), and enjoy!

For the coffee enthusiasts of the world!

Coffee flavored pudding with raisins and chopped walnuts.

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Tags: Banana, Breakfast, Brunch, Chia seeds, Dessert, Easy, Fruit, Gluten-Free, Oatmeal, Quick, Vegan

Source: http://veganprairiefood.wordpress.com/2012/08/03/banana-oatmeal-chia-pudding/

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Need native English speaking writer to research and write a quality ebook on BRAINWAVE ENTRAINMENT - what it is, the history and studies on it and then how BINAURAL BEAT and ISOCHRONIC TONE technology helps to facilitate change in the brain. How they both work and the history on them. Basically an info book on these subjects and selling people on the idea of why these things do work - the features, advantages and benefits to them.

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