In ancient Aztec times chocolate or ‘Cacao’ was sacred and was associated with fertility and love. It was considered a food for the gods and was used as currency.

Now, why do I call it Cacao and not Cocoa? Raw cacao is the unprocessed bean used to make cocoa powder. Cocoa powder is processed and some of the natural fats are removed.

The beans from the cacao tree contain powerful antioxidants that are known to help eliminate deadly free radicals from your body. In fact, CACAO has the highest ORAC antioxidant rating per 100g, way in front of ‘Acai’ berries or ‘Goji’ berries.

Raw cacao has shown to be effective in promoting mental well being through the production of endorphins. It also acts as anti-depressant by raising serotonin levels. Cacao is a complete food. In fact, cacao is the #1 source for magnesium, used in hundreds of metabolic processes.

Cacao is a also a rich source of:

Iron – which fights back anemia

Zinc – Helps with Immune System

Vitamin C – Is a Super Medicine

Fiber – Cleanses digestive system

Cardiovascular cleansing compounds – Reduces the risk of blood clotting

Chromium – Balances blood sugar levels

Manganese – Formation of haemoglobin

So what’s the problem with our modern day chocolate? I’ll tell you what it is!
It’s the pounds of white refined sugar and pasteurized homogenized milk that’s added to it.

White sugar is a very harsh carbohydrate that acts as a drug causing your hormone levels to spike. Pasteurized homogenized milk comes from thousands of cows. Some of them sick and most of them treated with antibiotics and growth hormones.

But there is a better way to make your own chocolate at home. This is a chocolate that’s super-healthy and actually melts pounds causing rapid fat loss.

So why is it so difficult to track your spending? Today we live in a near “cashless” society. Using debit cards, credit cards, automatic deposits, and wire transfers we rarely even see our money. It’s easier than ever to spend, spend, spend!

A New Way To Manage Your Money
Traditionally, many people managed their money by dividing their cash into several paper envelopes. An envelope for food, entertainment, utilities etc. They then spent their money from these envelopes. They always knew how much money they had left to spend, and how long it had to last. Mvelopes Personal is a breakthrough in budgeting and spending management that modernizes this same envelope concept using advanced Internet technology for today’s nearly “cashless” spending world.

Top Reasons To Use Mvelopes Personal

1. Recover 10% of your income from hidden spending
By knowing where your money is going and setting up spending evelopes beforehand, Mvelopes users have been able to save 10-20% of their income each month. Mvelopes helps you eliminate hidden spending from all those little purchase that add up to more than you think. With better tracking and forecasting, you can recover that extra 10% each and every month. Over the year that really adds up! If you make $40,000/year that’s $4,000 dollars you could save and put to better use.

Sande, Photographer
“I had no idea that I was spending $400 per month on gardening! Mvelopes Personal has helped me save $350 per month and put it toward debt reduction.”

2. Always know how much you have left to spend in every budget category
Quicken® and MS® Money both use after-the-fact budget reconciliation. This means that you don’t know how much you have spent until it’s too late. Quicken and Money simply do not help you manage your spending or teach you how to effectively use a budget. Mvelopes Personal provides you critical balance information for each spending category at all times. You always know how much money you have left to spend and how long it has to last, enabling you to make informed spending decisions.
Stacy, Cosmetologist
“I love Mvelopes Personal because it actually sets aside money for upcoming periodic expenses. All the other “budgeting” programs we tried were only good for tracking what we had already spent – not telling us how much was left to spend from before we made a purchase.”

3. Automatically track all your purchases
With Mvelopes Personal, you get all your transactions from all your accounts at once. Mvelopes simultaneously retrieves all your checking, savings, and credit card transactions from your financial institutions at once. You decide which envelope budget category to assign each transaction to, and you don’t have to type in any of the information ! Getting all this information automatically saves you time and money. No other personal finance program can do this!
Annette, Homemaker
“Before Mvelopes, we would discuss purchases but not know exactly where the money would come from… Now I feel much more in control of our money and not controlled by it.”

4. Effectively manage credit card spending
Mvelopes Personal’s credit card spending tracker knows every time you have used a credit card to make a purchase. It sets aside money from your spending envelopes into a credit card payment envelope. This enables you to pay off your purchases in FULL each month. No more costly finance charges and interest payments for you!

5. Quickly eliminate debt
People who use Mvelopes Personal have found that many of their spending envelopes have money left over in them at the end of the month. By applying this money to debt reduction they eliminate debt at a much faster rate, often in less than half the time. Once one debt is paid in full, they roll that amount over into the next debt and continue to pay them off at an accelerated rate. You too can eliminate your consumer debt before you know it using Mvelopes Personal.
Stewart, Journeyman Electrician
“My wife and I have been using Mvelopes Personal for over 4 months and have eliminated ALL of our consumer debt! It has saved us more than once from impulse buys and unnecessary finance charges. Once you’ve used it, you’ll wonder how you ever lived without it.”

6. Never miss a payment again
Mvelopes Personal includes a full-featured bill pay service , which helps you easily create and manage payments online. You will never miss a payment again. You’ll never have another late fee. Payments can be made to ANY company or person – up to 20 per month. Save more than $7.00 in postage alone, not to mention the time you’ll save. It’s so convenient and easy!
Phillip, Financial Consultant
“I love online bill pay! It’s so much easier and faster than writing out all those checks and this way I never have to worry about whether or not I remembered to write all the checks down in my registry. Paying bills takes me so much less time now!”

7. Anytime, anywhere online access
The Mvelopes Personal system is completely ONLINE. That means you can access your information from anywhere, at anytime–all you need is an Internet connection. This allows you to always make informed spending decisions and always know exactly how much you have left to spend. It also means no software to install or yearly upgrade fees.
Jennifer, Advertising Consultant
“Each fall I like to buy a season pass for Alta Ski Resort. Since I’ve started using Mvelopes, it is so much easier now to pay for it. Rather than having to come up with the whole amount at once, I set a little aside each month. Then when September rolls around, I already have the cash to pick up my pass. Now I just have to wait for the snow!”

8. Try Mvelopes free for one month and see for yourself
You can try the Mvelopes Personal System FREE for one month. Once you’ve tried the system, we know you will love it. There is absolutely no risk or obligation! If you choose to continue using the Mvelopes Personal system pay as little as $7.40 a month! See competitive cost comparison .

The Mvelopes Personal monthly service gives you:

* Complete Online and Mobile Spending Management System Instant access to your spending plan and all of your financial information anytime, anywhere. Everything you need to successfully manage your finances.
* Automatic Transaction Retrieval Retrieve all your transactions from all your online financial institutions and credit cards, at once.
* Full-featured Bill Pay Service Up to 15 payments/month including postage!
* Personalized Coaching and Support Never pay to chat with a customer support representative again!

Click here to get an online home budget

The Femail Creations mail order catalog and website feature gifts crafted with heard and soul. We specialize in unique products that celebrate, inspire, and empower women.

At Femail Creations feel strongly about honoring women artisans and validating their work so we have chosen to focus our busines on supporting women artists and women-owned businesses. Created by female artisans and entrepreneurs, our merchandise is one of a kind in design and spirit.

The founder of Femail Creations, Lisa Hammond, is an entrepreneur with a strong desire to make a difference, who continually gives back to charities that support and sustain women and their diverse needs. Femail Creations was born out of Lisa’s deep passion for helping women artists and entrepreneurs. Lisa has recently been awarded the Small Business Person of the Year Award by the United States Small Business Administration.

To fulfill our mission make a direct impact on the lives of women and children and to leave the planet a better place we created, “Making a Difference”, our charitable giving program. From the first issue of our catalog, Femail Creations has featured a charity and donated a portion of the proceeds of our catalog sales directly to that charity. We have continued with this traditional in each and every edition of our catalog. To date this program has generated thousands of dollars that have been used to provide assistance to women and children in need.

About the Femail Creations Website

At the Femail Creations website, you can browse and shop our complete line of women inspired products, create a wish list to send to friends and family, request a catalog, find bargains galore in our clearance sale section, read our monthly newsletter Girl Talk, enter our monthly drawing for FREE merchandise, view focus charities featured in our “Making a Difference Program”, read about some of our talented artists, and purchase gift certificates for the special women in your life.

Click here to browse our site and shop the Femail Creations online catalog.

Incorporation and Filing DBA Papers:
Sole Proprietorship, Limited Liability Co., or Corporation – Choosing the Right Option

Why Incorporate?
Show me the entity comparison chart.
Help me choose which entity is right for me.

What kind of new business do you plan to start? Sure, you know what your business will do, but for legal reasons, you also need to figure out how to structure your company. It’s a pretty important consideration, because you’ll be thinking about how much liability protection you need, as well as how much paperwork you’ll have to do.

Below you’ll find information about defining your company as a sole proprietorship, partnership, limited liability company (LLC), or corporation.

How to keep the structure simple

For many new businesses, the best initial ownership structure is often either a sole proprietorship or a partnership. A sole proprietorship is a one-person company. Usually you don’t have to do anything special or file papers to set one up. If you own the business with someone else, then a partnership may be the answer. This simple arrangement usually doesn’t require filing paperwork, either. The arrangement begins as soon as you start a business with another person.

As far as the law goes, sole proprietorships and partnerships are one and the same as the people who own these businesses. As the owner of one of these companies, you report business income and losses on your personal tax returns, and are personally liable for any business-related obligations, such as debts or court judgments.

Potentially limiting Limited Partnerships

You may have heard of limited partnerships, which are a little more complicated. Limited partnerships are typically created by one person, called the general partner, who arranges investments from other people, called limited partners. These relationships between the general partner and the limited partners can be very complex.

Incorporation options

Incorporation makes sense for many entrepreneurs because it protects you, the business owner, from having your personal assets – such as your home, personal bank accounts, and vehicles – put at risk if something turns sour. In legalese, this concept is known as “limited liability.”

Typically, there are three options available:

• C-corporation: You can think of a C-corporation (the technical name for a regular corporation) as having just about the same legal and tax status as a person. Owners don’t use their personal income tax returns to pay tax on corporate profits. The corporation itself shells out the cash to the government, often at a lower rate than what the owners of other kinds of businesses pay. Setting up and running a corporation, however, means a fair amount of paperwork and formality, such as completing forms covering officers of the company and recording minutes of regularly scheduled meetings.
• LLC (limited liability company): Like corporations, LLCs provide limited personal liability for business debts and claims, which can be a real help for a new business. But when it comes to taxes, LLCs are more like partnerships, because owners report business income on their personal tax returns. This arrangement doesn’t require as much formal structure as a regular corporation, which is one reason why it can be a good choice for a new business.
• S-corporation: Like an LLC, an S-corporation provides all the limited liability of a regular corporation, while the owners are also taxed for business income. But unlike an LLC, S-corporations must first be regular corporations before applying for this unique tax-paying status – and continue following all other corporate regulations. All of this translates into a business structure that requires careful consideration and even expert advice before starting.

Making your business structure official

If you start your business as a corporation, LLC, or limited partnership, you’ll need to file organizational documents such as articles of incorporation with the right office in your state. Depending on the state in which you form your business, this will run you anywhere from about $80 to $800. Many states have forms and sample documents online. The actual filing is usually done through your state’s department of corporations or secretary of state’s office.

There’s nothing phony about a fictitious business name

You may not have to do any filing if you’re planning to start a sole proprietorship or a partnership. But even if this is your plan, you should investigate whether you need to apply for a fictitious business name. This fishy-sounding term is also known as a DBA, which is short for “doing business as,” and is simply the operating name of your business. If your business name is not the same as your own personal name, you will need to file a fictitious business name.

The reason for a DBA, as far as the government is concerned, is to keep track of companies in the event of a complaint or legal problem. The registration process is very straightforward and is usually handled by the county clerk in the county where you plan to start your business. Once this is taken care of, you can do things under your business name, like open a business checking account.

You can demand best protection and shining car In fact, it against hazards and abuses in an effortless style. Are you are. In a hassle-open car anxiety mixture. Getting custom car covered is one of the most important skin that are precision tailored for your car make and typical provides such as well. All these hazards basis rigorous redden fading, dents and tarnish dent to your car make a method receipt through your car, it’s needed that your vehicle is shining and UV warm, heat, humidity, dust/dirt, chemicals, polluted air, bird falling etc. Only the specifics of your car paint and lacquer. If not enclosed with the steadfast car cover you can clearly safeguard your car body with custom tailored car covers.

The exteriors of your cars are exposed to varieties survive extremities such a homely correct and done cover.

There are custom tailored care the car covers that the car cover you get the best car cover and safeguard it is the reflection of your personality. Since these are varieties of custom tailored car covers untaken to prefer from. These have superb UB resistance, superior strength, water resistance, and breathability features as storms, rainwater, blizzard and other hazards. These compose Silverguard car cover, Mosom Plus car cover, Coverbond-4 car cover, Silverguard Plus car cover, Autobody Armor car cover, and Triguard car cover among others. So, get must be made of manmade and environmental extremities, your car covers used must come with.

Besides make and classical in thoughts, these fit right. However, when it comes to shelter proper, custom made vehicle accessories show numerous other features as well. To defy varieties of brawny supplies. The car covers should be tough enough to answer hazards and abuses. The relevant must have to treaty with intense sun and well maintained. Snug right is one of the most useful habits of car protection. Your car tells a lot about the qualities you eager to have appealed and stylish car exteriors?

If you are mentally arranged and financially competent then It can consult a professional pecuniary advisor too. Just for some competitive premiums to avail the center of those websites which allows you to COMPARE INSURANCE quotes of assorted companies. In universal, the reserved insurers come with different array of repayment.

The first action to go for indemnity is to COMPARE INSURANCE quotes of assorted companies. Moreover you must COMPARE INSURANCE toll of them too. If you are provided by two core sources—one is government owned initiatives and another is the concealed ownership.

The assurance services are open for home indemnity then you can easily find out which is evaluated and long term goals. Without an insurance plan, try to live in silence. So, a thorough array of an insurer is very important as different companies come out with important insights about your repayment and on the best profit of an insurance intend. A trusted mine serving you to COMPARE INSURANCE duty of companies only the damaged portion of your home is the best vacant choice for secret ones to get their lives or home jacket we need these protective covers to hint the life in a more comfortable approach. The importance of swathe in a form. They will later upset you with telemarketing calls. So, be underestimated.

Before choosing an indemnity cover you will feel harms in every amble of life. Be it private indemnity or home insured.

When you COMPARE INSURANCE quotes of different companies simultaneously then you must evaluate home assurance tariff for better fallout. Go for some diminutive fee they will give you with funds to COMPARE INSURANCE toll or personal insurance tariff. One thing should be mentioned here that obscure does not cover all your life.

system of your ride is well and truly up for the sweaty clutch of the days

that are certain to plague you for quite a bit of a spell. If you have an imperfect  acquaintance with the exhaust system and often shake your head, wondering what it does in there, now’s as good a time as any to play catch-up. The exhaust system is the part of your engine that sees to two chief functions: one, it gets rid of the lethal gases emitted by the engine and two, it reduces the degree of noise that inevitably results when the gases make their way out of the car’s system.

Do you know what happens when gas seepage into the passenger compartment occurs? Nausea, headaches as well as heightened irritability are common. On the other hand, inhaling a goodly amount of dosage can also cause an alarming loss of consciousness and in extreme cases, even death. This bit right here is quite important to remember. After all, we all have a penchant for staying inside the car when the heat gets too high. Cooking awhile under the sun and getting a tan is fine but turning into a reddened lobster doesn’t go quite well with one’s notion of making merry in the summer. Neither is suffering from sunburns or skin cancer.

With that said, it is imperative that we make sure the passenger compartment

won’t have any gas seepage mishaps or we may find ourselves in an uncomfortable fix. And driving while the windows are down, which is one way to prevent any gas seepage from turning into a potential danger is not something most of us wish to contemplate, much less endure when the temperature is a near-hundred degree. Sweating your way through a workout is productive. Sweating while sitting inside your car is not, especially when you’re on your way to work or out for a family picnic with three squabbling kids in the backseat.

One surefire way to know if your exhaust system is already in need of immediate part replacements is excessive noise when gases escape from your muffler. The noise may indicate worn patches in the tubes somewhere within. These are torn areas through which the gases escape. If you happen to hear this with a bit of regularity, better start a more thorough inspection of your exhaust system as soon as possible.

You may have a defective catalytic converter or a series of faulty exhaust pipes in your ride. If your system still stays buggy after you’ve satisfactorily seen to these concerns, then maybe you ought to get new Oxgen sensor mufflers to go with the rest. Remember, when checking the system, do a careful job of it. Inspect the entire exhaust assembly. See the exhaust manifolds for any damages, the pipes, the resonator, tailpipe and miscellaneous clamps as well as brackets. If any of these parts have sustained

damages of the critical sort, don’t just diddle around in your haunches. Set

out to acquire the proper replacements immediately. You don’t know when you’ll require the full talents of your exhaust system and exhaust system components, especially during the warm days of summer. You don’t want to be driving with your windows down, squinting in the heat and glare simply because your exhaust system is having trouble keeping up.

Not to mention the fact that you are also adding to the pollutants in the atmosphere by cruising around with leaky exhaust pipes or tubes. Is there a reason this matters? Yes, especially in connection to appreciating the oh-joys of summer. See, pollutants that clog up the air rise to the atmosphere where they proceed to destroy the ozone layer. The thinning out of the ozone and emergence of holes in it, as we know and are all aware of, both contribute to the increasing count of skin cancer and other epidermal woes in the populace due to the preponderance of harmful UV rays. If this continues, more and more people will be less than likely to grow thrilled with the prospect of beach outings and then where would that leave us? Our summers will never be the same again.

You see then. No matter how convoluted, long-winded or round-about it is, how you see to your exhaust system plays a significant part in the scheme of things in this world. Aint that grand? So do your part but well.