K-Cup offers a unique wealth of perfection Java service

K-Cup coffee is the answer to single serving brewing, allowing you to enjoy the perfect break in the midst of your busy day.

Single cup brewing methods have often been ignored, due mostly to the fact that the work and mess involved cannot be justified when the final result is only one serving. Often the same process is necessary whether you are making a whole pot or one cup, so many people would prefer to take a trip to the local coffee shop rather than experience the hassle of brewing their own at home. But, if you could have coffee shop quality in less than a minute and enjoy any flavor your palette desires from the comfort of your lazy boy chair, wouldn't you consider this an appealing option? Of course! How could you resist your own personal gourmet selections, every variety imaginable right at your fingertips, all ready to serve your needs at the simple push of a button?

K-Cups are single serving pods, or little plastic containers, with the filter and ground coffee vacuum sealed inside. Simply place the K-Cup of your choice into the machine and in less than a minute you will be surrounded by enticing aroma and enjoying the first satisfying sip of some of the world's finest coffee. -It's quick and easy, with no messy grounds or sloppy filters. And clean up is simple - just throw the cup away after brewing.

With well over 100 varieties of coffee, tea, and even hot chocolate, you can find a choice that satisfies any mood, meets any preference, and serves every occasion perfectly. Whether you are looking for early morning energy, the ideal complement to a decadent dessert, or a relaxing bedtime brew, K-Cups offer a large selection that will suit individual taste and allow everyone to enjoy their favorite flavor.

Offering the highest quality beans from the finest coffee growing countries in the world including Brazil, Costa Rica, Africa, and Colombia, K-Cups are able to prepackage the freshness and taste of truly exceptional quality. And with a choice of blends ranging from extra bold to light and decaf, organic, fair trade, and even flavored, every cup will provide a unique and satisfying experience. Enjoy the world famous Green Mountain Nantucket Blend or an invigorating espresso, relax with a soothing chamomile tea or intriguing chai; and savor the flavor of smooth French vanilla or a cup of sinfully rich and creamy hot cocoa. From full-bodied to milder blends, from French Roast to Italian Roast, and from Sugar Bush Maple to German Cinnamon Pastry, K-Cups encourage you to deviate from the ordinary and experience something new.

The K-Cup has revolutionized the world of single serving coffee and made it possible to enjoy gourmet brews at a fraction of coffee shop costs. At work, home, and even while traveling, K-Cups are convenient, accommodating, and simple to use. Let the tasting begin!

K Line Trains

Chapel Hill, North Carolina MDK Incorporated originally in possession of these products, and finally sold it to K-Line, the train is actually a brand 'S' and 'O' gauge model locomotives. At the tender age of four began watching Maury Klein expressed great interest in toy trains, battery operated trains attention these endless loop on the legs to toy train. The most famous train set in those days, Lionel and scored a mark as a giftAt the age of six years. I took apart and tried the advantages and disadvantages and see a train in 1975, founded MDK Maury Klein Inc., that led her initials.

Then it was learned that Maury has made millions of people just like you are fascinated with trains and 1974, while in school at the University of North Carolina, was already a small train business model for selling. As its sales, began to believe that there is enough opportunity for him, his ownrailway company in the marketplace of tinplate.

The rights to several programs with the growing increase in the orders of his model trains, Maury Klein constructed a building on land near Chapel Hill, North Carolina, and that's where his mail-order business began to grow rapidly. His father came on the scene in 1979, Maury help shape the production of new models - Ø27 and the 'O' gauge now under MDK K-Line, make and model of their own.

MDK soldLionel train many brands and its main rival MTH electric trains was also a major provider of Lionel trains. While Maury's mail business has grown, your ads have appeared in popular magazines such as model railroad train, which was very famous at the end of the decade of 70.

Another competitor, Louis Marx and Company finally closed in 1978 and this marked the rise of MDK Maury Maury K-Line trains also purchased tools and equipment usedPossession of Marx, and used in its production lines and is able to buy all those heavy machinery and accessories at prices of production failure. He left a lot of other instruments of Marx scavenging through old warehouses and factories, and finally found the molds for the 1947 Marx Model # 333 and # 1829 Pacific 4-6-2 Hudson locomotives in a decrepit warehouse a few meters from Fisher-Price from Buffalo, New York. Part of the story, the field was so dilapidatedSnow fell from the roof and the field was no light and no heating at all and found forms.

Maury had again a very nice series of acquisitions in the form of chain Kusan stock. These are tools for the design of the building model trains Auburn, American model trains were already known. Williams sells reproductions of these died of MDK K-Line in 1986 and that same year was MDK producingO27 locomotives, cars and other figures.

K Cup Green Mountain Coffee - So Many Varieties to Choose From!

K Cup Green Mountain Coffee is gourmet quality coffee that is created specifically to work with K-cup coffee machines.  Their coffees are available in many different blends and flavors and are packages in convenient "pods".  These pods make it super convenient for the consumer to brew a great cup of gourmet coffee in just seconds by using their K-Cup coffee maker.

The wonderful thing about K Cup Green Mountain Coffee is that there is a product for every taste.  If you are a person who enjoys a simple cup of coffee to get things going in the mornings, they offer a few varieties of smooth breakfast blends that is sure to please your palette.  If you prefer stronger blends, there are many espresso and dark roast blends as well.  If flavored coffees are your preference, they offer such flavors as hazelnut, caramel vanilla cream, hazelnut, french vanilla, mocha fudge and others.  If you are not a big coffee drinker, that is okay too.  K-Cup coffee machines offer a myriad of flavors of teas and hot cocoas in their K Cup Green Mountain coffee collection as well.

No longer does one need to pay the outrageous prices that the corner bistro or coffee shop charges for a cup of gourmet coffee.  With the K-Cup coffee machine and K Cup Green Mountain coffees, a person can get a perfect cup of gourmet coffee at any time during the day with just the press of a button.  You do not have to grind your beans or measure your coffee and hope that you measured right.  Each pod is filled with the perfect amount of coffee to produce the perfect cup of coffee.  No mess.  No hassle.  Nothing but a great cup of coffee each and every time!

With blends such as the breakfast blend, which is a smooth medium-roast coffee that is perfect for mornings, there really is no reason no to purchase the K-Cup coffee system.  Once you get this exceptional coffee brewing system home or to the office you are free to try the other K Cup Green Mountain coffee blends.  The French roast blend is a deep roast coffee that has a very pronounced and intense flavor.  Of course, they do offer decaffeinated versions of their popular coffees as well.  If you do not find a dark roast or even medium roast coffee that you are fond of, try one of their many special blends, which are a mix of both dark and medium roast gourmet coffees.

The bottom line is, if you are a busy person who does not have time to make yourself gourmet coffee every day, or if you are tired of paying high prices for overly priced mediocre coffee from the coffee shop, the K-Cup coffee system may be the perfect solution to your problems.  The bonus of K Cup Green Mountain coffee selections just makes the system even more of a perfect option.

Vitamin K Foods - Great Sources For Vitamin K

There are many great foods out there which serve as a great source for vitamin K. Vitamin K is a "fat soluble" vitamin, which means that although vitamin K foods will always provide those vitamins, the impact of the vitamins are best when ingested with fat. Vitamin K is an extremely important vitamin to have in your system, especially after an injury, during the recovery stage.

Before we get to the specific vitamin K rich foods, let's review why vitamin K is so important and what it is most well known for. Vitamin K, while not one of the better known vitamins in the body, is a vital component of good health and is especially noticeable when the body needs to perform certain health functions, like heal from a cut. Vitamin K helps in blooding clotting, protects the human heart, and also assists and helps to build strong bones.

While it is strongly recommended that you eat foods rich in vitamin K, this one is really unique in that the body produces it naturally, and we can go long periods of time without eating foods with this vitamin and still be fine. The body produces this vitamin from bacteria inside of us that usually resides in the intestines. Even with that being so, it's still a good idea for health purposes to eat a good variety of foods with Vitamin K.

And by far and away, the biggest and most common major source of Vitamin K is green leafy vegetables like collards, spinach, and turnip greens. People whose bodies aren't producing enough Vitamin K, whether it's because of a natural deficiency or a body's increased need for it, can increase their supply drastically by eating these green leafy foods.

If you do have a deficiency of vitamin K in the body, there are several possible causes that may need to be addressed before you see drastic improvement. Some of the most common include:
o Antibiotics from medication interfering with the bacteria
o Health problems, especially those involving the gall bladder, cystic fibrosis, and Crohn's disease
o Taking excessive amounts of mineral oil
o Liver disease or damage
o Chronic diarrhea
o Serious burns

All these factors could explain any deficiency of vitamin K in the body, as well as any extended time period where you are fed via IV instead of through regular food. A normal healthy body can usually produce all the vitamin K that is needed, but sometimes a little boost to help out is just what the doctor ordered.

So make sure to stock up on the green leafy vegetables that bring large amounts of this fantastic, if little recognized, vitamin into your system. You may not notice a lagging amount of vitamin K during your day to day activities the way you might instantly notice a lack of vitamins A, B, or C, but when you're injured and need to heal, you'll know the difference between a body that is full up on K, and one that isn't. So stay healthy and have some greens - next time you need them your body will thank you.

How to Manage and Prepare a 501(k) For Clinical Submission

In the last several months, a number of medical device product companies and manufacturers have contacted me with a similar question. The question pertains to approval in Europe, Australia, Japan, Canada and how that relates to a US approval, and secondly, what type of 510(k) to prepare in the US? Is there a fast track to approval in the US since they have device, detection and diagnostic non-US CE Marks of approval to market in non-US countries? There is much debate with IVDMIA status, STED Pilot Programs and LDT clinical submissions, which does not exist with Traditional, Abbreviated and Special 510(k) types of clinical submissions. The answer is to understand and assess where you are, where you want to go, and plan the most expeditious way to get there while conducting activities in accordance with FDA CDRH guidance and requirements. Assess the status of the device, this means to assess the status as it relates not only to guidance and regulatory requirements, but to assess the integrity and quality of data and documentation, statement, label, claim, completeness of application and submission, intended use, omission, missing data and documentation, translation, standard for development and quality review systems, compliance to the Federal Register and otherwise.

Each medical device product will be reviewed according to its intended use and if it relates to an unmet medical need or emergent or life threatening serious need, but beware, these applications are not easily regulated and approved and will be reviewed with regulatory rigor.

Yes, there are 3 types of PMA 510(k)s that may be submitted to FDA, Traditional, Special and Abbreviated. The Special and Abbreviated regulatory paths were developed under "The New 510(k) Paradigm" to help streamline the 510(k) review process at FDA. The Special 510(k) and Abbreviated 510(k) regulatory methods can only be used if certain criteria are met. The Traditional regulatory path can be used under any circumstances. Information required at the time of filing can be found in 21 CFR 807 Subpart E.

A 510(k) PMA Notification does not require a "form" to complete for submission. There is no form. The 510(k) concept is based on substantial equivalence (SE) to a legally marketed (predicate) device(s). All 510(k)s must provide a comparison between the device to be marketed and the predicate device or devices already marketed.

A most important consideration is the predicate device. A company must identify a predicate device as a component of their clinical submission. That predicate device will be used as a source comparison to your device at the time of clinical submission and regulatory review. The choice of the predicate device is crucial and I strongly recommend that the 501(k) number of the predicate device be identified in the clinical submission - be transparent, be clear, be open. Choose a device for your comparator that is similar to your device. You may claim SE to more than one predicate. The predicate device of choice will and must be recently cleared and approved by FDA. There is additional guidance at the FDA website pertaining to "How to Find a Predicate Device".

Additional Steps to Aid in Management and Preparation:
Locate Guidance Documents
Locate Design Control Requirements 21 CFR 820.30
Locate QS Regulation
Locate Content and Format for the "Type" of clinical submission to be filed.Components of a Traditional 510(k), for example:
Form FDA 3601
PRS Cover Sheet
Form FDA 3674
Cover Letter
TOC
Indications for Use
510(k) Summary 21 CFR 807.92 or 510(k) Statement 21 CFR 807.93
Standards Data Report Form FDA 3654
Truthful and Accuracy Statement 21 CFR 807.87(k)
Class III Certification and Summary 21 CFR 807.94.Items required under 21 CFR 807.87 required for a PMA Notification are numerous, please visit the Federal Register and create a checklist of submittable, required components as it pertains to each device to ensure complete submissions and to minimize potential RTFs - Refusal to File.

The K-T Mass Extinction Was Caused by a Meteorite Impact

In the late 1970's Walter and Luis Alvarez discovered an unexplainably high level of iridium at the K-T boundary at Gubbio, Italy. The level of iridium at this location was 30 times higher than in the other layers of rock, below and above the boundary. The Alvarez team claimed that some 65 Ma ago, the earth was impacted by a celestial body, probably a meteorite, which was responsible for the high iridium level.

One theory put forward was that the boundary could have been formed by sediment accumulating 30 times more slowly than normal. However, since the discovery by the Alvarez team, further discoveries in other parts of the world, at the K-T boundary, which all show iridium concentrations of 30 times the norm, ruled out the slow sedimentation theory.

Massive celestial objects traveling at great speeds would have high kinetic energy, and if they hit the earth, which they do quickly, the rate of energy conversion would be enormous. The impact would have excavated rock, provided intense heat, which would melt the rock and spray it as lava into the atmosphere. Tsunamis would also occur at the point of impact, or points of impact, if more than one piece of meteorite hit the earth at that one time, which has been suggested.

Evidence supporting the impact theory includes the following:

1. The iridium excess in the 65 My-old soil layer has been confirmed at many points around the world.

2. The same soil layer contains grains of quartz that were deformed by high shock pressures, as would occur in a giant explosion. (The deformation is a microscopic structure called "twinning," in the crystals).

3. There are occasional minute diamonds formed under extreme high pressures.

4. Tiny glass spheres were formed as chilled droplets of molten rock were ejected into the atmosphere.

5. The same soil layer contains enough soot to correspond to burning down all of the forests of the world. This suggests that massive fires were touched off at the time of impact.

6. The same soil layer, especially around the Gulf of Mexico, contains massive deposits of tumbled boulders, as would be generated in a large tsunami, or "tidal wave." The geographic distribution of tsunami deposits suggest the impact was in the Caribbean area.

7. After a decade of searching, scientists in 1990 identified the crater associated with this material. It is no longer visible on the surface of the Earth, but is buried under sediments. It straddles the coast of Yucatan, in the Mexican province of Chicxulub. It was revealed by mapping the strength of the gravity field over that area, and by drilling; it has been dated to 65 Ma old. It was identified as an impact crater.

8. Astronomers have charted numerous asteroids that cross Earth's orbit. From studies of orbit statistics, it is estimated that asteroids of 10 km size can hit the earth roughly every 100 My or so -- which fits with the idea that we actually did get hit 65 My ago by an object this size. (Smaller hits are much more common).

9. At the K-T boundaries throughout the world, there is a rich variety of fossilised plankton below the boundary (older than 65 Ma), but very few fossils at the layer, giving further evidence to mass extinction at that time.

Another cause of the K-T boundary and mass extinction has been suggested, rather than the impact theory. That of flood basalts. Detailed radiometric testing has revealed that large magma flows occurred either side of the K-T boundary. It was the result of India drifting over a hot spot, during continental drift. The vast amounts of pyroclastic material and gases emitted by the flood basalts would have caused a significant extinction of many species of life. Sulphur dioxide would have given rise to acidic rain, which would decrease the Ph of ocean surface water. Carbon dioxide released during this event would cause global warming. The dust released by the activity would increase the Earth's albedo and result in cooling. Sulphur dioxide, carbon dioxide and dust affect the atmosphere and so would spread around the earth quickly, a prerequisite for mass extinction. Foraminifera, with their calcium carbonate shells, would not have survived in the acidic conditions of the sea. The dust would have prevented photosynthesis of phytoplankton, which would become extinct and would no longer be a food chain item for higher life forms, which would also die out.

Coffee People K-Cup Extra Bold Donut Shop Coffee Review

My favorite morning coffee is Coffee People K-Cup Extra Bold Donut Shop Coffee.  I am a coffee lover and I have tried almost all brands of coffee.  Nothing can compare to this one.  With just one sip, I knew that this is premium grade coffee.  It has a strong coffee taste but it is not bitter.  There's tinge of sweetness into it. 

My friend had me try this when we were in college and since then I'm hooked.  It has always been our companions during late nights of examination reviews and thesis writing.  Even if it became cold, it doesn't lose its taste.  It still tastes rich and strong.  Even if we add a cube of ice or two, the taste lingers. 

If you're looking for the authentic taste of high quality coffee, I recommend this to you.  The taste can be compared to that of Dunkin Donuts but this is richer and is more aromatic.  Have you tasted coffee that has an aftertaste of sourness?  You will not taste any of that with this coffee.  I love it on its own without any cream or sugar because when I add any of the two, the unique taste tends to get watered down by the two.

I hope that it comes in caffeine-free variety though.  My mother couldn't try it because of her hypertension.  I hope they come up with something health-friendly.  Aside from this, I don't have anything bad to say about Coffee People K-Cup Extra Bold Donut Shop Coffee.

JK Rowling Bio

J. K. Rowling was born in 1965 in Chipping Sodbury, Gloucestershire. He spent most of his childhood in Gloucestershire and then in South Wales. A school in the English language, art and poetry, but do not excel in sports. At the strong encouragement of his parents, he graduated in English from the University of Essex. This allowed her to spend a year in Paris, though she did not regret later studied in English. On graduation he worked for several years in London.This includes work with Amnesty International.

J K Rowling Harry Potter

The inspiration for writing "Harry Potter came in a delayed train journey from London to Manchester. It was on this trip by train without being noticed, which was flooded with inspiration, wizards, Hogwarts, Harry Potter and the magic of trains. J. K. Rowling says she does not like to travel on a pin, and she was too shy to borrow a passenger. But the arrivalManchester has now started writing the first draft of Harry Potter. These early writings were given several times over the next few years reworded, but the characters and the basic plot already taken shape.

A key feature of the main character Harry Potter is the fact that quickly become orphans. He misses his mother and father and this is a very important theme in the Harry Potter series. By coincidence, shortly after the beginning of the letterHarry Potter JK Rowling has lost its mother with multiple sclerosis. This was a blow to J. K. Rowling. There were also more empathy with their main character, Harry Potter.

It took several years for JK Rowling to Portugal to finish the first book in the series "Harry Potter and the Sorcerer's Stone" During this period he spent some years they were married shortly before the house of a divorce after being thrown out of their husband. FromJK Rowling's first marriage that he had his first son who was to take of themselves after returning to the UK.

But despite a full-time work and education, is a single mother, JK Rowling finally finished his first book and sent it to agents book. After some waste from large companies (as they must be ruing their decision now!) The book was accepted by Bloomsbury, which at that time were quite small in the publishing world.

The book was publishedand immediately became a big seller. It sold well not only for children but also adults. In fact, the first book was then made with a special adult covers, so that the reader would read a "Children's book" How the Harry Potter series progressed, the books were always reaching embarrassing in its complaint. J. K. Rowling series has received numerous awards for her Harry Potter.

J. K. Rowling finished the final and the 7th Harry Potter BookSeries in December 2006. The book, titled "The Deathly Hallows" will be released in July 2007.

KY Gel intense excitement - It 's just a woman an orgasm during sex?

Perhaps you have heard or read all the talk about KY Arousal Gel Intense and how women really intense orgasm during sex.

While it may have even heard of you now asking, KY Gel intense excitement is just a woman an orgasm during sex, or is there another "personal lubricant warming" just trying to move as little more than that.

In this article we will discuss some of the history and science behind femaleStimulating gel and how you can actually help women achieve sexual orgasm mind blowing.

KY Gel intense excitement - It 's just a woman an orgasm during sex?

One of the most important things that we now know KY intense excitement or other female stimulating gel product on the market, how to deal with it properly.

Although you may feel free to experiment with various creams and gels on the market in any way challenging thatthat the best way to offer women the kind of orgasms that you can only imagine is twofold.

First, both the preliminaries will be the key to start even before taking the cream of excitement on her clitoris as defined in general there is a woman a little 'time to warm up before it's really ready to have started this part of its body are stimulated.

Then, when hot and ready to ensure that you are doing the stimulating gel under the hood of the clitoris like thisthe intensity and excitement of the sexual experience for them to increase tenfold.

From here it's really just down to personal preferences in various sexual positions and body parts for a wife to give her the kind of mind blowing experience that intense excitement KY Gel can be a.

For those of you who are looking for an alternative to the intense excitement KY Gel is that it is so expensive and still is to get you the same kind of orgasmIf you are willing to consider female stimulating gel G which proved one of the most exciting and stimulating gel on the market today.

Keurig K Cups Guide

And what is the difference between extra k-cup coffee is bold, dark k cups of coffee and roasted coffee k-cups medium at all? No matter which brand I love you, Tully's Green Mountain Coffee Roasters of Gloria Jean's, the options for making beer at home are endless on your brewer Keurig single cup of coffee. Use this guide only coffee or tea right for your taste.

Extra Bold Coffee K Cups

For the bolder taste of K-CupExtra fry enter the intensity of extra boost. Bold is for everyone, loves a cup of strong coffee in a perfect manner, as there are 30% (with some brands is 20%) plus coffee for each brew, we give you more of the richness and body, helps you go as you need. The extraordinary variety of extra fat frying K-Cups are bound to love something.

Dark Roast Coffee K-Cups

Produced to perfection by lovers worldwide coveragedark roast offers a deep, aromatic flavor that you need to take to start the day or keep churning through your afternoon. The longer and slower than a coffee bean is roasted to develop more flavor, so that dark roasted to the point fuller, deeper than you can. Dark Roast K-cups are away from home for the simplest of tasty, delicious cup of coffee directly.

Medium Roast Coffee K Cups

Simple but delicious, medium-roastfor those who are just looking for a good old cup of excellent coffee. Not dark and complicated as some may be dark roast medium roast is a good balance of flavors, perfect for any time of day. Try one of the medium roast K-Cup flavors and surprising to see why this combination is a favorite place for many coffee lovers.

Warm Roast K-Cups

The go-to choice of coffee for most Americans, with their light roast to make precisely the right amount of flavor and depth of coffeeDrinking a relaxing and enjoyable. With the properties thin but crispy, slightly spicy fry are not too intrusive. Ideal for adding cream and sugar, light roast K-Cup has almost every coffee drinker.

Flavored Coffee K Cups

A treat for all coffee drinkers, old and new, place roast spicy fun spin on a typical cup of coffee. Ideal for an afternoon treat or dessert, there are an amazing variety of flavorsSelect from the K-Cups. Enriched with ingredients such as vanilla, spices and fruits, with delicious roasted just-Free Way of calories to your cup of coffee to fade a little lift.

Decaffeinated Coffee K-Cups

Love the coffee but not caffeine? Then Decaffeinated K-cups are just the answer for you. Equipped with advanced technology, our roasting might want to remove the caffeine without the delicious taste, the coffee lover. E 'taste so wonderful that you'll hardly notice the missing ingredient. Sacrifice the caffeine, without the taste.

Fair Trade Certified Coffee K Cups

Keurig is pleased to offer a series of Trade certified K-Cups, the fair. To be called Fair Trade, coffee must be bought directly from coffee growers and small cooperatives at a price they can get a living wage. Furthermore, the conditions for sustainable agriculture isProducers and consumers so that the fair-trade products in all a good choice! Not only Fairtrade good very good for the planet and its farmers, but it tastes good.

Organic Coffee K-Cups

In order to obtain the official USDA Organic seal, the coffee must be chemical free and grown in an organic environment. Organic K-cups are free of synthetic chemicals such as pesticides and are made possible in the most environmentally friendly. You cana great feeling to enjoy an environmentally friendly product that is also very delicious and tasty.

Hot Cocoa K-Cups

Encourage your child with a delicious cup of hot cocoa and sweet. Made with the finest chocolates in the world, are hot cocoa K-Cups, a treatment that can not be denied. Garnished with a sticky marshmallows and served in a large jug of drinking the road to happiness. Perfect for children of all ages, warm hot cocoa K-Cups and the heartSoul.

K-Cup Variety Pack

For the user who simply can not decide Keurig taste, variety pack, K-Cup are the perfect solution. Get a taste of all the best flavors and share them with all your friends and family. Ideal for holidays and entertainment, variety packages to give everyone a choice.

Read more about Coffee K-Cups to Aromacup.com

Vitamin K and B-3 benefits for the skin

Vitamin K and Vitamin B-3, also known as niacin, are known for a long time for services not have healthy skin, but recent studies have shown that both vitamins dermatological applications.

"Vitamins continue to play as a role player for the health of the body to reorganize," said Dr. David Smith, chief researcher at SkinWhite research laboratories. "Recent studies have shown that vitamin K and niacin are beneficial to the skin to the particular problemswith pigmentation and dry skin. "

Vitamin K plays an important role in blood clotting and studies have shown that maintaining strong bones in the elderly. However, recently said before the dermatologists vitamin K, to be successful in the treatment of dark circles under the eyes and bruises on his face.

A recent study involved two groups, one that applies under eye cream with sunscreen and the other a cream under the eyes containing a combination of applicationVitamin K and retinol. A study of eye color in the beginning of the study and eventually found a significant reduction in the group with vitamin K and retinol combination.

Vitamin K has recently dermatological procedures studied for its effect on the reduction after a few bruises. Patients who applied the vitamin K after the procedure noticed a significant reduction in the severity of bruises.

A derivativeNiacin, nicotinamide, has been shown to improve the ability of the epidermis to retain moisture. In a recent study currently nicotinamide was applied to the skin for six days. According to the study, all patients reported softer, smoother skin, less dryness and flaking, and a reduction of the lines.

"The benefits to the skin after application of nicotinamide can be useful for patients with atopic dermatitis, which often experience dry, irritated skin when the disease flares," says Dr.Smith. "This could be another promising treatment for aging skin is often dry and flaky as we age."

Niacinamide, another derivative, has also been shown to provide an effective skin lightening agent, especially for the skin condition where hyperpigmentation may occur on the face or a visible part of the body. Patients with hyperpigmentation were analyzed with the computer and most of the patients decreased hyperpigmentation and increased weight.

niacinamide currenthas also been shown to have anti-inflammatory properties, which makes it a potential treatment for acne, rosacea and any blistering-type disease. Recent studies have also found that niacin and its derivatives have chemopreventive effects. When the skin is applied to the mouse, nicotinamide produced a current drop of 70 percent of skin cancer ultraviolet-induced.

The KT mass extinction caused by a meteorite impact

At the end of 1970, Walter and Luis Alvarez discovered a high level of iridium inexplicable to the KT boundary in Gubbio, Italy. The amount of iridium, at this point was 30 times higher than that of other layers of rock above and below the border. Alvarez's team argues that approximately 65 Ma, the earth a celestial body, probably a meteorite, was responsible for the high level of iridium affected.

A theory has been advanced that would be the limitformed by sediment accumulating 30 times slower than normal. But since the discovery by the Alvarez team, the more discoveries in other parts of the world, the KT boundary shows that all concentrations of iridium standard 30 times the excluded, the theory of slow sedimentation.

Massive celestial objects traveling at high speed would be high kinetic energy, and when the earth, they did quickly, the rate of conversion of energy would be enormous. The effectswould be excavated, and subject to intense heat to melt rock and lava as a spray into the atmosphere. Tsunamis would occur at the point of impact points real or, if more than one piece of meteorites on Earth from that moment on what has been proposed.

Evidence supporting the impact theory includes the following:

1. The excess of iridium in my old 65 soil layer has been confirmed in many places in the world.

2. The layer of medium containing the samequartz grains, which were deformed by high pressure shock as he came in a huge explosion. (The deformation is a microscopic structure called twinning in crystals).

3. There are occasional diamonds minutes in extreme conditions, high pressures format.

4. Glass beads were cooled droplets of melted rock ejected into the format.

5. The layer of soil that contains carbon black sufficient to meet all the burning of forests worldwide. This suggestsground fires that have been touched by the impact.

6. The layer of soil itself, particularly around the Gulf of Mexico, contains large deposits of rock falls, would be produced in a large tsunami, or tidal wave. "The geographic distribution of tsunami deposits suggest the effect was in the Caribbean .

7. After a decade of research, scientists have identified in 1990, the crater associated with this material. It is no longer visible on the surface of the earth, butburied under sediment. It covers the coast of Yucatan in the Mexican province of Chicxulub. It 'was the picture of the strength of the gravitational field on the surface, and through the holes showed that dated to 65 mA old. E 'was identified as an impact crater.

8. Astronomers have mapped many asteroids cross Earth's orbit. Statistics from studies of the orbit is estimated that a 10 km size asteroid could hit Earth about every 100 or so my - that fits with the idea thatWe actually hit 65 my ago to receive an object of this size. (Small strokes are much more common).

9. For the KT boundary in the world, there is a wide diversity of fossil plankton in the limit (over the age of 65 mA), but very few fossils in the layer, providing further evidence for mass extinction at the time.

Another cause of the KT boundary and mass extinction has been proposed to examine the impact theory. Of flood basalts. Detailed radiometricTests have shown that large magma occurred on both sides of the KT boundary. It 'was the result of India are pushing for a hot spot during the continental drift. was the large amount of pyroclastic materials and gases emitted by the full basalts significant extinction of numerous species of life caused. Sulfur dioxide leads to acid rain, the pH of ocean water would decline. Carbon dioxide, which would have been issued in this case global warming.The dust released by the activity would increase the albedo of the earth and cause cooling. sulfur dioxide, carbon dioxide and dust affects climate and spread rapidly around the Earth, a prerequisite for the mass death. Foraminifera with calcareous shells would not survive in the acidic conditions of the sea. The powder would have prevented the photosynthesis of phytoplankton, which die and no longer part of the food chain for a longer lifeForms, which also die.

401 (k) Loans - 4 thoughts for consideration

Over the years, 401 (k) plan participants have approached me on behalf of many of the advantages and disadvantages of taking a loan from their 401 (k). Often, employees who approached me was the conclusion that the loan from their 401 (k) account is a good idea. After all, there is usually an urgent need for the money - as with the borrowed money to pay high interest credit card. Part of his conclusion is that the interest on the loanBank account - no credit card or company) will be returned to their 401 (k

Even if the thought of refund interest is pretty long and hard before making a credit to your account. In my conversations with my colleagues, I stressed that they consider before borrowing from their 401 (k) account:

1) Even if you paid with interest, your money is not invested in the stock market.

You canHappiness and manage new for most of the loans payable in all the markets again, but this is unlikely. Just to each table on market performance, and the majority of periods of 5 years and 10 for most years are extended, the stock markets have grown in value. I am firmly convinced that your stay invested in the market as long as possible in order to benefit from all this stock market rising. In a nutshell, I think the longer you are invested in equity markets, the better the its performance. Taking a loan reduces the amount of money you have to work in their 401 k) Amendment (.'s Missing is a stock market boom, while borrowing a substantial amount of your 401k piggy back your retirement date for the next few years.

2) The payments are required to repay your loan to reduce your pay to take home with them.

Although I have recommended to all employees, of course, normal salary deductions that would have occurred after taking a loan from their 401 (> K), could in many, really take the budget for the lower amount to take home.

Employees look to do, for example, loans from their 401 (k) account to pay for many a credit card statement annoying. After all, the credit card company charge interest of 15% or higher. To borrow from their 401 (k) account you can eliminate credit card debt and then repay the loan through regular payroll deductions.

This approach sounds good in theory. In practice, however,Reality creeps) a. Many of my colleagues, the K borrowed from their 401 (credit card account to pay bills regularly would approach me after a few months. I would ask these people often take a loan from their 401 (k) plan or ask if the current 401 (k) loans could reduce their prints restored as their salary.

What happened? Why are the piggy bank so soon after paying their pesky credit card debt?Often these people have their appetite for credit before borrowing from their 401 k) Amendment (. Pay their credit cards simply result allows many of them credit, debit card more. So, these employees will be needed to face the double blow. Not only were once again to pay by credit card, their smaller salaries, because they were already paying a 401 (k) loan.

I highly recommend watching all below) to (k loan to pay a 401credit card debt by looking at their use of credit cards first check.

3) unemployment insurance

What happens if a loan and you lose your job for whatever reason? The short answer is that you have a minimum of 4-8 weeks to pay the full balance. If you do not pay for the balance of the loan in the amount of the loan will be treated as a distribution from the plan. This means that you owe taxes on the amount you failed to returnYour 401 (k) plan for change. Users under 59 years and a half will be assessed a 10% tax penalty in addition to the tax liability on account of the balance of unpaid loans.

4) annuls the tax benefits of your original post

A loan from a), 401 (k plan is essentially borrowing against the tax dollars from your account and then repay the loan with after tax money. And even if you get the advantage with their interest in denying the reality advantage of tax deferralbecause after the loan with tax money. Also, if the price of the loan, which is taxed again to withdraw the money.

May be valid reasons) to rent account must be made by (401 k, but I recommend anyone who thinks that a step to understand the consequences of their actions - even if the money goes to pay a high interest credit card or in the direction the deposit of a house. do the following:

1) talk to someone in yourHuman Resources to help you understand the costs - including the reduction in take home pay.

2) If the use of funds to pay off high interest credit card, please take a look at your use of the value of our credit and how to use to eliminate your dependence on this easy-related debt.

3) Budget for low pay. This is a very important aspect, especially if the proceeds of the loan for a down payment for a house to use.

In addition,always argue, as the occasion to recommend to check that my employees see or eliminate other expenses such as unused gym memberships, rarely watched subscription TV channels and overly expensive cell phone bills first. Even if you plan to still choose to borrow from 401 (k), reducing or eliminating other discretionary spending will help compensate for the lower take home pay will be.

Although I rarely advise anyone to borrow from their 401kModified with these first steps should help to feel that your salary, better after you take out a loan to borrow.

Copyright © 2009 by Jeff Brownlee

Best Tasting K-Cups Morning Coffee For Keurig Brewers

Morning Coffee
Morning coffees are a legendary type of American coffee. While European coffees are celebrated for their boisterous bodies and bold, bitter flavors, American coffee traditions introduced breakfast roasts to the world. Breakfast roasts, or New England roasts, are much lighter than your average European roasted coffee bean. The coffee roaster will heat the raw green coffee beans in a roaster. After about 5-7 minutes the coffee beans will suddenly crack. This crack indicates a chemical change in the bean-in an instant the bean will have grown in size and acquired a light cinnamon color, and the first tones of roasted flavor begin to form within the bean. The delicious breakfast roast bean offers light flavors and retain high levels in acidity.

Bright and Light K-Cup Coffee
Some coffee drinkers don't enjoy the boldness of their coffees. Instead of coffee that have structure and presence, some coffee drinkers would like their coffees to dance and jump. Breakfast roast coffees, luckily, offer that quick movement. Thanks to the high levels of acidity, breakfast roasts tend to dance on your tongue. The main component that allows Keurig Breakfast Blend K-Cups to taste so dazzling is caffeic acid. And besides the wonderful taste benefits that caffeic acid offers, this naturally occurring chemical also offers some health benefits.

Health Benefits of Keurig Coffee
Caffeic acid is a known antioxidant. So if you're always searching for the latest antioxidant drink or the best super fruit, you'll be pleased to know that you can get the same health effects from drinking a light roasted coffee. Caffeic acid also helps boost your immune system as well as decrease any inflammation in your body. With all the health benefits of a breakfast roast coffee, you just might forget why you drink coffee in the first place! While most people drink coffee for the energy that caffeine bestows and the delicious flavors that the coffee bean releases, you now have added health benefits that are worth celebrating!

Energetic Flavors of Breakfast Blend Keurig K-Cups
Morning coffees are created to taste lighter and brighter than your average coffee. This means that with one sip of the delicious liquid you'll be experiencing invigorating flavors without the heaviness of bolder, deeper notes. Rich espressos are great for drinking after a full savory meal, but in the morning the bold bitter kicks might prove to be too much. Bright breakfast roasted coffee beans don't venture into the serious territory of mouthfeel, body and presence. Instead they stay in the happy, comfortable arena of lighthearted flavors. For a delicious golden taste that will wake you up in the morning, enjoy a cup of Keurig Breakfast Blend K-Cups coffees.

What is a Vitamin K Eye Cream?

Aging has many signs in our eyes such as wrinkles, puffiness and dark circles under the eye area. Dark pigments under the eyes have many causes. Most of the common causes are avoidable, but when the cause is aging it is inevitable. Some of the causes are the thinning of our skin under the eye. Because of this, blood vessels are visible and may be viewed as dark circles. One reason also is fluid retention due to aging and this might make blood vessels under ones eyes becomes dilated and engorged.

Dark circles that forms under the eye can be cured and eliminated by using vitamin K eye cream. Like anti-aging cream this has the same effects but easy to use. Vitamin K is the least among the vitamins and mineral priorities. Aside from being anti-hemorrhagic vitamin k is also considered as an antioxidant, which can be stronger than vitamin A, E, and even coenzyme Q10. Although vitamin k can work alone, it has been viewed as an enhancer to other anti-aging ingredients.

A vitamin k cream is an anti-aging cream where vitamin k is the active ingredient. This cream specifically target and addresses the problem under the eyes. Under eye dark circles are causes of the leaking capillaries which are very visible thus forming dark circles under the eyes. Vitamin K eye cream is a very helpful product in eliminating dark circles in process of constricting capillaries which would result to the fading of the dark circles. However, it will also eliminate other problems of eyes skin aging because of the other ingredients that are present in the vitamin k cream. These are problems such as wrinkle in the eye skin or commonly called as crows' feet, puffiness in the eyes, and sagging of the eye skin. Vitamin k eye cream also has ingredients such as collagen, Haloxyl, and coenzyme Q10.

Treating the damage skin is no walk in the park. A very patient attitude is a must in order to achieve ones' goal; a youthful radiance. Also, while treating dark circle under the eyes, it is not just cream that does the work. A healthy lifestyle and highly nutritious diet is also needed to speed up the rejuvenation of ones' skin. Vitamin K cream is available in the market at a reasonable price. However, it is best to consult a dermatologist in order to know what product would be suitable for your skin and your preference.

What's Better - 401(k) Or Roth IRA?

One of the most frequently asked questions planners get about retirement planning is what's better for retirement planning: a 401(k) or a Roth IRA. The answer may not be as straightforward as it might seem.

Comparing the Options of 401(k) and Roth IRA

401(k)

Under section 401(k) of the IRS code, a 401(k) is an employer-sponsored deferred contribution plan for retirement. In your workplace, you set up a 401(k) plan with human resources and choose options within the defined plan. Your employer takes money out of your paycheck prior to income taxes being taken out and deposits this into your 401(k) plan. Some employers even match your contributions. When you retire, you can decide to withdraw money out of the 401(k), but those withdrawals are subject to income tax when they are taken out 10,20, 30 years later. Currently, there are no income limitations on who can contribute, but an individual can contribute at most $15,500 to their 401(k) in 2008. $46,000 is the maximum aggregate amount that can be contributed between employer and employee in 2008.

Roth IRA

Senator William Roth was the chief sponsor of this movement. A Roth IRA is an individual retirement account independent from your employer that you create directly with a custodian firm. After a Roth IRA account is set up, these plans have a much wider investment selection typically, and then directly deposit after-tax money from your checking account into the Roth IRA. Then, after meeting you turn 59 1/2 years old and have had the plan for at least five years, you can withdraw from the account entirely tax free. In 2009, the maximum you can contribute is $5,000 a year (unless you're over 50). There is one big qualification: if you make more than $99,000 individually or $156,000 as a married couple, you cannot contribute the full amount (and may not be able to contribute at all).

401(k) or Roth IRA: The Largest Differences (Pros & Cons)

The largest differences between the two plans are workplace contributions, investment options/management, and taxes. Let's walk through each feature.

Workplace contributions:401(k) and Roth IRA

Employers with a 401(k) retirement plan may or may not match contributions made by an employee. For example, a 401(k) program may offer a 50% match for every dollar the employee contributes to a 401(k) up to 4% of the salary. Therefore, if the employee contributes 4% of their salary to their 401(k), the employer also puts in an extra 2% of your salary, effectively increasing your contribution by 50%. In short, employers that offer matching contributions to your 401(k) should be revered. This typically trumps any other consideration regarding the decision to contribute to a 401(k). It's free money, like a year-end bonus that comes every 2 weeks - don't turn it down.

Investment options:401(k) and Roth IRA

With a 401(k), you're forced into whatever management and investment options are offered to you by the plan your employer offers which usually mean the investment choices are restrictive and expensive. Things to watch out for in these investment plans are mutual fund expense ratios and investment options. A Roth IRA is extremely flexible and allows one to choose investment options - you even pick the custodian you want to use. Roth IRAs offer an advantage with regards to flexibility of investment choices, though if your 401(k) offers solid options, this may not be a great advantage;however, most 401(k) plans don't offer solid options.

Taxes:401(k) and Roth IRA

This is really the tough one out of the three because it involves a level of prediction of what the future holds for you. If you think your income tax rate will be higher at the time of withdrawal than it is currently, a Roth IRA is the better choice and will save you in the long run.

How can someone expect to know future tax rates? Here are a few things to consider:

Will my income grow significantly between now and retirement? If you believe it will, you'll likely be in a higher tax bracket at that time, which favors the Roth. If you feel that you are near your peak, you'll probably be in the same bracket or lower, which could favor the 401(k).


Do I expect to be working in my retirement years? If you believe that you will, you have a high chance of being in the same tax bracket or higher than you are now. If the answer is no, likely your income will be lower.


Will the political landscape shift towards higher tax rates? It is easy to speculate that with the expected budget deficits, tax rates will go up, and that favors the Roth IRA. If you believe they will decline, that would favor the 401(k).

401(k) or Roth IRA: So What Should I Do?

If your employer offers 401(k) matching, always max it out. This is free money.

The question really revolves around what to do with additional retirement money. Given all the above factors, and also assuming you're young and have many years of income growth ahead of you, a great option is a Roth IRA.

Finally, there are other tax-free retirement options to consider such as Roth IRA on Roids for slightly more sophisticated investors. It has all the benefits of a Roth IRA with no restrictions and guaranteed principal.

Whichever you decide to pursue, by simply putting money away, you're ahead of the game. Don't let the deliberation keep you from saving - if all else fails, start making contributions immediately to one or the other now and then finalize decisions later - you can always change your mind in the future.

Preschool Jungle Theme & Pre K Jungle Activity Themes For Children

Let's go for a safari ride in the jungle with our preschool class. It will be so much fun!
Here are some ideas on how to get your jungle theme started and some ideas to keep it going for as long as your Pre K class is interested.

Pre K Jungle Theme Ideas:

-introduce the word jungle and give a brief description of what it is

-have books in library and read books on the jungle (age appropriate)

-have jungle pictures posted around the classroom

-have jungle animal toys on the toy shelf

-have jungle themed puzzles

-play jungle music

What animals live in the jungle and what do they eat?:

-panthers (eat meat or other animals)

-snakes (eat rodents or frogs, some large snakes eat large animals)

-bears (eat fish, nuts, berries, honey, leaves)

-monkeys (eat fruits)

-zebras (zebras eat tall grass)

-giraffes (eat leaves off of tall trees)

-elephants (eat leaves from trees, shrubs, and shoots)

-cheetahs (eat meat or other animals)

-alligators (eat meat or other animals)

-rhinoceros (eat plants)

-birds (eat insects and seeds)

-hippopotamus (eat grass)...etc.

What does a jungle look like?:

-have books and pictures that have real life images of the jungle

-have the children explain what they see in the pictures and talk about the pictures with the children(check our site for coloring pictures or games which include jungle animals)

Explaining where the animals live in a jungle?:

-the animals will find homes within their habitat (the jungle) which they make into a home for them and their families.

-this could be a nest, a den, a burrow, under a rock, in a hollow tree trunk, etc.

-you can have a jungle themed dramatic play center

-make a car out of a box

-get some safari looking hats

-children's binoculars

-pretend cameras

-post jungle animals on the wall and watch your pre k children go on a jungle safari

Have fun in the preschool jungle!

Preparing for a 5K

Throughout my experience of running marathons, triathlons, and small 5&10K races, I found that the beneficial and enjoyable races were my local 5k's. If you've ever thought about running one I highly suggest getting out there trying it. Here are a few helpful hints on preparing yourself for one.

1. Sign Up, Already

Chances are, no matter where you live, there's a 5-K nearby soon. It's the most popular race: 7,500-plus 5-Ks held in 2006 drew more than 3 million runners. Why? "It's only three miles!" Well, 3.1 miles, but so as long as you're logging three half-hour runs per week, you can complete a 5-K this weekend. And you can run a fast 5-K with as little as six weeks of concentrated training.

2. Just Have Fun

5-Ks are a great way to meet people and stay in good shape and they're newbie-friendly. I would have to admit that I was a little afraid that the veteran racers would be annoyed with a newbie. The opposite was true; the local running group cheered me on. If you're used to looking at your watch, try ignoring it during your next race. I did that in two 5-Ks this fall and set new personal records each time.

3. Use 5-Ks for Speed

Runners training for a longer event, like a half or full marathon, can use 5-Ks in place of speed work. I primarily use 5k's to race into shape, this has helped me complete 114 5-K Races for the Cure. I usually tend to run a little slower than race pace and for about 20 to 25 minutes, here's how I prepare myself for a local 5-K:

MON: Rest day

TUE: Speed session

WED: Easy run, longer distance, or rest day

THU: Speed session

FRI: Rest day or easy run with last half mile at race pace

SAT: 5-K race

SUN: Easy run, mid-distance

4. Eat a Little

You don't need additional calories before you run a 5-K, but if you're used to eating breakfast, you might feel hungry. Your body needs some calories to help you wake up and keep going, but don't overdo it. I suggest just half a bagel with peanut butter, half a banana, or gel/sports beans/shot blocks is enough. Also a little tip for the newbie's trying their first 5k, there is no reason to eat before a 5-K, as they all have real food afterward.

K-Cup Coffee Offers a Cornucopia of Single Serving Java Perfection

K-Cup coffee is the answer to single serving brewing, allowing you to enjoy the perfect break in the midst of your busy day.

Single cup brewing methods have often been ignored, due mostly to the fact that the work and mess involved cannot be justified when the final result is only one serving. Often the same process is necessary whether you are making a whole pot or one cup, so many people would prefer to take a trip to the local coffee shop rather than experience the hassle of brewing their own at home. But, if you could have coffee shop quality in less than a minute and enjoy any flavor your palette desires from the comfort of your lazy boy chair, wouldn't you consider this an appealing option? Of course! How could you resist your own personal gourmet selections, every variety imaginable right at your fingertips, all ready to serve your needs at the simple push of a button?

K-Cups are single serving pods, or little plastic containers, with the filter and ground coffee vacuum sealed inside. Simply place the K-Cup of your choice into the machine and in less than a minute you will be surrounded by enticing aroma and enjoying the first satisfying sip of some of the world's finest coffee. -It's quick and easy, with no messy grounds or sloppy filters. And clean up is simple - just throw the cup away after brewing.

With well over 100 varieties of coffee, tea, and even hot chocolate, you can find a choice that satisfies any mood, meets any preference, and serves every occasion perfectly. Whether you are looking for early morning energy, the ideal complement to a decadent dessert, or a relaxing bedtime brew, K-Cups offer a large selection that will suit individual taste and allow everyone to enjoy their favorite flavor.

Offering the highest quality beans from the finest coffee growing countries in the world including Brazil, Costa Rica, Africa, and Colombia, K-Cups are able to prepackage the freshness and taste of truly exceptional quality. And with a choice of blends ranging from extra bold to light and decaf, organic, fair trade, and even flavored, every cup will provide a unique and satisfying experience. Enjoy the world famous Green Mountain Nantucket Blend or an invigorating espresso, relax with a soothing chamomile tea or intriguing chai; and savor the flavor of smooth French vanilla or a cup of sinfully rich and creamy hot cocoa. From full-bodied to milder blends, from French Roast to Italian Roast, and from Sugar Bush Maple to German Cinnamon Pastry, K-Cups encourage you to deviate from the ordinary and experience something new.

The K-Cup has revolutionized the world of single serving coffee and made it possible to enjoy gourmet brews at a fraction of coffee shop costs. At work, home, and even while traveling, K-Cups are convenient, accommodating, and simple to use. Let the tasting begin!

Timothy's World K-Cup Coffee Review

I thought that Timothy's World K-Cup Coffee is just one of those brands that do not really live up to their claim of good old smooth and flavorful coffee. I am still sampling on different k-cups and this one doesn't really fail to impress me every time.
 
I received a Keurig coffee maker with Timothy's coffee pods from my fiancé on my last birthday and I have been using it everyday since I got it. This particular k-cup made me save a lot of money by preventing me on my daily walk to nearby local coffee houses.

The coffee is medium roast, very pleasant and non acidic. It is very smooth, mellow and very distinct; perfect when you want to just chill and relax while reading a good book or having a good conversation.

My fiancé was never a fan of weak coffee or strong coffee and we were both surprised that this one hit him like a surprise. He said that the World K-Cup has the perfect blend of balance. His palate seems to be satisfied every time he drinks a cup.

As for my take, I do like my coffee strong and bold but Timothy's World K-Cup Coffee seems to make me want to shift from strong blend to medium blend. Now we never have to fight when forced to choose only one blend of coffee for our house. And did I also mention that they have the best prices and would ship the coffee to your house for free?

2008 and 2009 the contribution limits for 401k

IRS maximum contribution for defined contribution plans allow only individuals and their employers to contribute more than ever a 401 (k) plan. In addition to being able to protect against a large portion of income taxes, 401 (k) loan programs have many features that we need the owners can cash out in time.

401 (k) contribution limits for 2008
Salary Elective Deferral Limit $ 15,500
Maximum Employer + employee DefinedContribution Plan Limit $ 46,000
Catch-up contribution limit to $ 5,000 Age 50 +

401 (k) contribution limits for 2009
Salary Elective Deferral Limit $ 16,500
Employer + employee defined benefit maximum $ 49,000
Catch-up contribution limit to $ 5,500 Age 50 +

Source: http://www.irs.gov/retirement/article/0,, id = 96461.00 html.

A 401 (k) plan offers big tax break to employees of the WHO to contribute, and no company is too smalla) a 401 (k. a small business or with the use of one spouse only to find employees can, for a person 401 (k) plan. These parts are independent with 1099 income, freelancers, sole proprietorships, partnerships, Limited Liability Company (LLC) or corporation.

The main advantages of a) 401 (k plan:
or high maximum contribution limit.
Contributions are tax deductible or and are based on compensation or earned income.
O Roth contributionsIncome after taxes on tax-free growth and withdrawals.
Funds or in a 401 k) grow (tax-deductible.
activities or can) k implemented other qualified plans or IRA into a 401 (.
o You can take a loan from a 401K (if the plan allowed) - up to the lesser of 50% or $ 50,000 of account balance.

A person A as a solo 401K 401K should be known by December 31, set to claim tax deductions for that tax year.

Special K Diet Plan - Have You Had Your Bowl Yet?

While there is no shortage of diet and weight loss plans available, one that has been getting some attention lately is the Special K diet plan. So, what is this diet plan all about and more importantly, does it work?

Kellogg's has been making Special K cereal for decades now and recently came out with a diet plan to lose 6 pounds in 2 weeks. The Special K diet plan is not overly complicated to follow and basically works like this:

1. Eat a bowl of Kellogg's Special K with 2/3 cup of skim milk for 2 meals a day.

2. Drink liquids like you always do.

3. Eat whatever you like for your third meal.

4. Eat fruit, vegetables or a Special K bar as a snack.

As you can see, the Special K diet plan is pretty simple and anytime you are substituting 2 bowls of cereal for meals, you should lose weight. The research by Kellogg's shows an average weight loss of 4.4 pounds over the two week period for those following the plan.

Is this the best diet plan?

I don't think so. Once you try it for a few days you will find yourself still hungry after eating a bowl of cereal. Since your fiber intake is greatly reduced with the Special K diet plan you will need to add more fiber or you'll find yourself getting constipated.

The other reason why I wouldn't recommend this type of diet is because you quickly get tired of eating the same bowl of cereal day in and day out. The novelty wears off because you can only take so much. Although Special K is better than many people's daily diets, it is not a long term weight loss plan.

All Rights Reserved Worldwide. Reprint Rights: You may reprint this article as long as you leave all of the links active and do not edit the article in any way.

Why 401(K) Is The Ultimate Sacred Cow Of Money? Part 1

In 1974, the US Congress passed the Employee Retirement Income Security Act (ERISA), forcing employees to switch from employer-provided defined benefit (DB) pension plans to employer-provided defined contribution (DC) pension plans like 401(k). This put their retirement money in the hands of mutual fund managers and the volatile stock market. From then on, Wall Street gained control of the retirement money of American citizens, ushering in a new age of deceit. Now, let us examine why 401(k) is a financial fairy tale weaved to dupe the financially ignorant.

To start, 401(k) offers very limited opportunity for cash flow to the individual investor because there is no immediate cash flow. In addition, given the penalties in place to punish people for early money withdrawals, most people do not withdraw their money in the plan, thus placing them in the hands of Wall Street firms that leverage this money to reap excessive profits. As a result, the common people miss good investments as their money becomes locked while the rich gets ever richer.

Moreover, there is a heavy dependence on a volatile and ever-changing market for your money to grow in the 401(k) environment. Because of this, there is great uncertainty and fear. As many of you know, these 2 are powerful emotions that trigger mistakes, worry and scarcity. Given the lack of a safety net and insurance for your money, you have a higher chance of losing your money and it is definitely not worthwhile to gamble what you worked for in your whole life with a temperamental market.

Furthermore, investors have no control over how their money is managed. Given this lack of control, it is hard for you to maximize your profits because the person managing your money always thinks of his best interests first. With this, I sincerely believe that it is better that the investor educates himself well and manage his own money to gain more control over his profits.

In addition, 401(k) has exorbitant administration fees excluding expense ratios and 12-b1 fees (for marketing expenses). All these cause the investor to lose a certain amount of his returns on the investment and forces him to reduce projections.

To add on, there is a severe under-utilization of money because taxes are simply deferred to the future where they have to be paid eventually. Because of this, a fixed amount of money is guaranteed to be taken away by the government when you can withdraw your money from 401(k). Given the fact that taxes rise over time, the 401(k) investor really loses out when taxes on his money gets deferred to the future.

Hence, in conclusion, after covering so many flaws of the 401(k), I believe readers have gained a better understanding about why it is a financial lie. Armed with this knowledge, move your money to better investments that promise higher returns instead of letting it get preyed upon by the financial predators around today!

Vitamin K For Spider Vein Removal

Does it really fade your varicose veins?

So I have spider veins since I was 19 here are a few things I have learned. I will tell you a little bit about vitamin k and my personal experiences with it.

What's Vitamin K?

Ok here is the nerdy scientific section. Vitamin K is a form of lipophilic, hydrophobic vitamins that are needed for the posttranslational modification of certain proteins, mostly required for blood coagulation.

Chemically they are 2-methyl-1, 4-naphthoquinone derivatives. They play a major role in blood clotting. Vitamin K is essential for the blood to clot. If your body does not make enough of it you will have a bleeding disorder which can be life threatening.

So what have you heard about Vitamin K?

Sometimes capillaries work in reverse, pumping blood the wrong way, this backflow allows blood to collect which in turn creates spider veins. Sometimes the vein wall gets damaged which causes bruises.

Once absorbed into the skin Vitamin K begins to break down these pools of blood. Then it starts plugging the leaks in the vein wall. So there are not anymore leaks.

Are there any other names for spider veins?

thread veins
spider veins
varicose veins

So how much time will this take?

I put the cream on 2 times a day for between 45 - 60 days. This may not be the same for everyone. Some people will heal quicker than others. A few people may take longer even up to 90 days.

What to look for.

good price around $40
high concentration of Vitamin K
at least 3 ounces because you will be using it 2 times daily

What I Have Found:

First of all I would just like to say that I hate needles and am not a big fan of lasers. So to me what made the most sense was a cream. After I tried a spider veins cream for two months twice a day. My spider veins did fade! It will work for you without painful surgery or expensive lasers. It works best with good diet and exercise. So thank you for listening and hopefully you learned something about this subject.

Most Popular K Cups Coffee Brands

There are many different varieties of K cup coffee brands on the market. If you're the proud owner of a Keurig coffee maker you surely have begun your search around to see which you prefer. While most of the Keurig K cups are quite tasty, not all of them are created equally. There are certainly some brands that have gained respect as being the best. Additionally, other brands are especially well suited to specifically desires or coffee tastes. Here's an overview of the best K cup coffee brands available.

Timothy's World Coffee: Timothy's has a very diverse collection of roasts and flavors, nearly all of which are extremely highly rated by consumers. They have excellent blends covering the scope from light to bold, and have some unique flavored varieties as well, such as cinnamon pastry.

Green Mountain Coffee: Nobody has a wider collection of different roasts and flavors of Keurig K cups than Green Mountain. They have literally dozens of options to choose from. They have various blends which are tied to different charitable efforts, and they have a great selection of both flavored and classic flavor roasts.

Gloria Jean's Coffee: Gloria Jean's might be the best brand to choose when you are seeking excellence in flavored varieties. They only have three different roasts of classic coffee - all of which are still great - but then have another 10 or so flavors. In addition, Gloria Jean's is also the best brand for Keurig K cups with tea. They have half a dozen tea flavors which get the highest ratings among any other tea variety available for a Keurig coffee maker.

Newman's Own: While companies like Green Mountain and Timothy's produce dozens of different varieties, blends, flavors and roasts, Newman's Own Organics sticks with only two variations. They have what they call their special blend, and they have a decaf version of it as well. Both are excellent and there are no frills attached.

Diedrich Coffee Roasters: Another company that focuses less on quantity and instead hones in on just a few varieties is the folks over at Diedrich Coffee Roasters. They make a handful of different blends and roasts that cover the spectrum for any coffee lover.

There are many other brands of Keurig K cups on the market today, but these are the best and most enjoyed K cups coffee makers out there today. It will be hard to go wrong with any of these brands, so find the flavors or styles that work best for you and enjoy!

How Does K-Y Intense Arousal Gel Work and is it Really the Key to Giving Women Mind Blowing Orgasms?

For those of you living in the United States and maybe even Canada who watch TV on a fairly regular basis by now you probably have already had a chance to see the K-Y Intense Arousal Gel commercial in which they let you know that it has been clinically proven to increase a woman's sexual satisfaction.

Now, you might find yourself wondering how exactly does K-Y Intense Arousal Gel work and is it really the key to giving women mind blowing orgasms? In this article we are going to reveal to you what it is exactly that allows K-Y Intense Arousal Gel to increase the amount of mind blowing orgasms that a woman has while using it.

Before we get into the exact specifics of how K-Y Intense Arousal gel work there are a few things you should know about giving a woman a mind blowing orgasm that the commercials and the product itself fail to mention.

Basically, the key to getting a woman to experience the kind of mind blowing orgasms that the women on the commercials seem to have experienced is by getting her to relax and become comfortable in the whole sexual experience.

One of the simplest and by far most effective ways of doing that is by spending a quality amount of time on sexual foreplay rather than moving directly to her more sexual parts.

However, once you have a woman highly aroused and sexually charged now is going to be the time to apply K-Y Intense Arousal Gel or any of the other more powerful Female Stimulating Arousal gels and creams on the market underneath the hood of her clitoris and gently massage it in.

From there the powerful combination of ingredients will do the rest as it increases the amount of blood flow that goes through the clitoral area as well as giving the woman a gentle warming sensation.

Perhaps, if you were paying attention you noticed that I mentioned that there are some other more powerful Female Stimulating Arousal Gels and Creams on the market and find yourself wondering which ones they are.

While K-Y Intense Arousal Gel has been clinically proven to increase female satisfaction it doesn't have L-Arginine in it which has been proven to be the most effective ingredient when it comes to increasing the amount of blood flow that goes to the clitoris.

The two female stimulating gels that have L-Arginine in it and have helped millions of women achieve the kind of mind blowing orgasms that every woman wants are G Female Stimulating Gel and Vigorelle.

K-Cup Carousel - Get Your Keurig K-Cups Organized

A K-cup Carousel is an organizer or holder where you place your assorted coffee k-cups to look more organized and attractive. This can be a perfect solution for your k-cup collection so that you have a proper place to put them.

There are different designs of carousels to choose from. They are important especially to people who love to drink k-cup coffee, hot chocolate, hot tea, etc. This a kind of a rack where you place or put your k-cups.

Some people just place their Keurig k-cups everywhere. Some in the kitchen cabinet, some in the refrigerator, and some in the kitchen drawer. When the time comes when they need it, they forgot where they put them.

Everything that we buy has a proper place to put it in. One should be thankful to the people who invented the k-cup carousel. Aside from being organized, it is also elegant to look at it. Since there are different designs for k-cup carousels which also depend on how many k-cups you can put on it.

Some carousels have 27 spots, and some only have 10 spots. It depends on the measurement of the carousel. Here are some k-cup carousels with their brands and models:

Green Mountain Coffee Roasters K-cup Short Tree: it is shorter and black in color

Green Mountain Coffee Roasters K-cup Tall Tree: It is taller and bigger room for coffee k cups

KEURIG 30 K cup Carousel with Lazy Susan Base: large room for k cups to put and elegant designs

Keurig Carousel: You can place 27 k-cups of assorted coffees and teas.

It is very nice and beautiful to see that your k cups have a proper place to go. Put it in the kitchen either on the table or in the cabinet that is properly organized. If you want to see the different designs of k-cup carousels, you can go online through the internet and explore the different websites. You can go to different site where they are available.

Before you purchase a carousel, you need to window shop so you can compare the price, the different designs and how many holders you want to have for yours. Online shopping is the best way to do and you can also buy online. Websites are open most if not all of the time, they never close, and it is open even on holidays.

Hang Ten by Herbie K's

I needed a cup of coffee or a nap in this particular Thursday afternoon, when I found the sign "Diner." Herbie K's Diner in Cocoa Beach, Florida, to be exact. But dinner is dinner, right? Dinner and coffee should do the right thing to make me a jerk and I nap time.

E 'was clear on a few steps from my car to the front door from the Herbie K that Herbie is not interested in dinner, as another owner. He wanted to own a piece ofHistory. And, although it was more than happy to tell me to stop for a cup of coffee, was in the malt shop memories. I went to the stream by the end of 1990 stressed in the mid-1950s, only by opening a door and walk.

This is a black and white checkerboard tile floor and lots of chrome waiting to greet you. If your favorite and the kids have brought, there are many elements to the left.

I went to a bar stool upholstered redmounted on one of the bases of chromium, which allow you to spin and spin out. The perfect mood music blaring from a jukebox in the back. "Yakety Yak, not to mention it again ..."

There was a time when music was part of the menu. It 's still at Herbie K' s. Connected to the back of the bar was an old friend, a monument to the chromium-teens Rock and Roll. Each of our years and is known under the front of this room to get a helmet with a spirit of great music and flipthrough the music menu or behind the glass. I fumbled in the fourth with my smile growing, but someone beat me. There is only one drum opening Sun Wipe Out button S5. The buttons are directly under the glass cover and a link to the great jukebox in the back. This was the first remote America. Shame it does not retain the idea of two options for a quarter.

"You need a menu?" he asked as he stopped with me across the counter. E 'wasdressed in white, long hair was aa piece of red chiffon with a white hat had a waitress pinned to the top of the hair tied back. He announced that the badge "Bettybop" had emerged from the fifties to take my order. In ein oder zwei Sekunden war sie wieder mit einem Pott Kaffee und einem weißen Tax. "Cream?"

Hamilton Beach machines owned back counter. Two machines were at least three malts each. A friendly note on the back bench is finished, painted "Free java for police officers in uniform." This isprobably illegal today, is not it?

In one corner there was a car with a glass full of small stuffed animals and a furry mechanical crane hanging trophies. Young people can still demonstrate their skills and their love for fifty cents. Behind me was very familiar with two tons of Polaroid with the door curtain. My father never understood why anyone would pay for all these grotesque little image strip, fall in the external slot after meeting some friends andperfect fit.

I should be on the road, but Herbie was his concept. Herbie K had my attention. It 'been fun to sit, watch, listen and browse the music selection in quavers monument in front of me. I started digging for that quarter. Darn. Beat again. Wait Sloopy. K2 button. I liked it a lot because it reminds me of Pat Powers in the barn and the house of fraternity party. Thirty years in a lightning flash.

Some credit counterpushing the blue plate special. Yes, they had meatloaf. I wondered what they had. Bettybop was writing his relief order which has passed through the acceleration.

"I could have a menu?"

"Sure Hon."

He handed me a four-page menu of finger grease covered or protected ketsup compliments of a protective layer of clear vinyl covers sewn in a black plastic border. I'm glad I did not order French fries. Six baskets Murphy. Order a "Murphy Basket" and you get the plain French fries."E 'Jack' and the cheese fries are. "Make It Whistle" and you get fries with chili. Ask for a "Crying Murphy Basket" and you will get a half order of French fries and a half order of onion rings. Not french fries? try to "Jacked Up elbows in the lane." Macaroni and cheese, of course.

If you're in something healthy and light, trying to drag you through the farm. "This is a beautiful large garden salad with plenty of sliced turkey, ham, boiled eggs, cold meats to your salad garden." In the Garden cluck "change blackened chicken on top.

The menu is adorned with a line drawing of old favorites. James Dean. Marilyn. Elvis. Herbie is the history of the headlines. He had a dinner in the north and went fishing on a cold day in February. The only thing I was caught a cold. He loves to fish so he moved to Florida and opened Herbie K 's. Now begins the "catch of the day, instead of a cold. Snowbird is good.

Yes, they have burgers to go along with Simon and GarfunkelCecilia. Push M8. Just ask "A blow," "A blown Jack It" to get a cheese burger, "A blow with Jack Benny," you get a bacon cheese burger, and if you change something with this as Chili, you guessed it, "make a tube."

"Burn A Pup" is a hot dog. "E 'Sour" is a hot dog smothered in grass. You can also choose from a variety of other popular sandwich combinations. "Jack Benny with a cheese sandwich Dame 'with tomato." Bossy on a raft "is aSteak sandwich. "Butter, liver and tongue, you guessed it, a BLT.

For those with bigger appetites, try to throw a bone ", the pork chop dinner or" Endless Italian ", if you are a lover of spaghetti and meatballs. promises "Whiskers" is the catfish dinner, the menu is a delight.

I saw the dessert menu and treated as "fish eggs", tapioca pudding and fruit with a lid, the cake and a song jumped right out of the portable jukebox was received.We used high-tech machines from reel to reel tape, this song at any speed we wanted because we, for the dirty words we knew that it was imagined to be able to record. I finally found a quarter in my pocket and put a fist in the car and Q7, Louie, Louie. Nothing happened.

"I'm sorry, hon," he said when they arrived Bettybop my station with the pot. "It does not work."

Damn. A failure of high technology with Herbie was only when my mind ready to settle down for the day. I do not havethe courage to ask if all those memories were just props.

"Coffee?" He asked.

"No, thanks. I have to go to a store man," I said and I paid the check and went to the door. I turned and asked a question before leaving in the past and opened the back door, in the future under pressure.

"There is a place that sells music of the fifties here?"

Increasing Your 401(K) Contributions From $16,500 To $250,000 Per Year

Did you know that if you design your 401(K) plan a certain way, you can increase how much deferred income you can invest into your retirement savings plan. Well, I am going to provide you with some very exciting information, but before I do that I wanted to touch on a little bit about our future retirement situatation. Our nation is on the verge of losing social security and it is imperative today to start thinking about how we are going to finance our retirement without it. Now most of us know that social security was actually formed to be a supplement to our retirement and not our main resource for retirement. We also know that many employers provide 401(K) plans for their employees which assists the employees in planning for their retirement. The name 401(K) is the section of the Internal Revenue Code where as it stipulates that employees can set aside tax deferred income for retirement. Today, we can invest into our 401(K)'s plan up to $16,500.00 per year. This amount is based on ERISA guideline section 402(g) which is the section of the Internal Revenue code that limits contributions into company pension plans. However, there is a catch-up clause for individual participants over the age of 50 to increase their contributions by adding an additional $5,500.00 on top of their $16,500.00 per year contributions. Sounds pretty generous, huh? Well, there is more....

In addition to ERISA section 402(g), which is also known as"Defined Contribution", there is an additional "Profit-Sharing" plan that you can add to your company's Defined Contribution plan. This Profit Sharing arrangement allows for additional funds to go into a separate account under different rules. Rule 2e bases the profit-sharing on either "pro-rata", where an additional contribution will be set aside for each employee based on their compensation or "integrated" with social security, the formula for this may integrate an employees compensation with the social security taxable wage base. The formula results in a larger percentage allocated to eligible employees earning more than the taxable wage base or a certain percentage thereof. Then you have rule 2a which uses either an "age weighted" formula that takes into account each employee's age and compensation. The age weighted formula results in larger allocations of the contributions to employees who are closer to retirement. Additionally, this formula combines the flexibility of a profit sharing plan with the ability of a pension plan to benefit or favor older employees. The second part of 2a is the "new comparability", also referred to as "cross tested plans" where the profit-sharing plan is tested for non-discrimination as though it was a defined benefit plan which allows certain employees to receive much higher allocations than typically permitted by standard nondiscrimination testing because an employer can now determine and define certain groups, each receiving different allocations. New comparability plans are generally utilized by small businesses that want to maximize contributions to owners and higher paid employees while minimizing those for all other employees.

As you can see, there is an amazing opportunity to increase your overall contributions into a retirement savings plan and prepare for a more enriched retirement. Above we discussed the basic defined contribution plan that allows tax deferred savings of up to $16,500 or $22,000 if over the age of fifty, then we added a profit-sharing plan to augment the overall contribution savings and now we are going to delve into a category that is very beneficial to small groups such as doctor groups, attorney groups or highly paid executive groups. By adding a "Defined Benefit" plan or "Cash Balance" to your current 401(K) plan, you can potentially contribute up to a total of $250,000.00 per year on a tax deferred basis. A "Defined Benefit" plan is a separate company retirement plan such as a pension plan whereas the employer will set aside a specific sum of money that will be allocated for retired employees based on the history of the salary and the amount of years the employee provided their employer.

So to sum up, what you as a plan sponsor, can provide to your highly paid employees is as follows in a more quantifiable formula:

Defined Contribution + (up to 3% match) + Profit Sharing + Defined Benefit = Total Retirement Savings Per Year or retirement savings of up to $250,000.00 per year.