Amaranth: Soak It For Maximum Nutrition

Amaranth is nutritious and high in zinc, iron, and calcium. Amaranth has a nutty flavor and serves as a good complement to many bean dishes but it also makes a good main dish when combined with tasty vegetables as does the grain bulghur when turned into tabouli. The catch is that to get the most mineral value out of this food, we recommend soaking it overnight (or for eight to twelve hours) to reduce the mineral inhibitors native to the amaranth. All grains have these same inhibitors and so too benefit from this extensive soaking.

Amaranth is high in phytic acid, or phytates, a well-known mineral inhibitor. The phytic acid binds to minerals such as iron, magnesium, zinc, and calcium and inhibits your absoprtion of them. Although amaranth appears rich in minerals, the fact of the matter is that you cannot absorb all of them because of the phytic acid. The trick is to soak the amaranth to reduce the phytic acid. As a bonus, you will reduce your cooking time.

Rinse your amaranth and plan to soak it for eight to twelve hours. An overnight soak works well. Use two parts water for one part amaranth or the amount of water called for in your recipe. Soak the amaranth in warm water — above body temperature — and leave it in a warm spot. Cover the amaranth with a towel as it soaks. Some people add yogurt or a tablespoon or two of lemon juice to the mixture to improve the pH of the soaking water. Feel free to give that a try, but if the flavor seems off to you, a regular warm water soak works well too.

After soaking, transfer the amaranth to a pan and follow the cooking directions. The only exception is that the amaranth is likely to cook twice as fast, so sample it along the way to check if it is done. It is good practice to stir it regularly while it is cooking. You might try soaking the amaranth in a stainless steel pot you plan to cook it in. After soaking, simply pop it on the stove and cook it. Prepare amaranth as a breakfast cereal with honey, as a side dish (drizzled with olive oil and seasoned with salt and pepper), or as the center of your meal. Amaranth is nutty, versatile, and nutritious. Plan to soak it to reduce the phytic acid content and you will benefit more from its rich mineral content.

Who Were Some of Bruce Lee’s Students?

During Bruce Lee’s lift time he came in contact and made friends with many people that spanned from the average guy who may have been a student to popular actors of the time. Bruce’s first ever student is Jessie Glover in Seattle, he trained with Lee for about 5 years sometimes more than once a day and is considered an authority on Lee’s style of training..

When he began teaching his Jeet Kune Do style of martial arts, Lee only certified 4 people personally as instructors. These 4 are; James Yimm Lee, Ted Wong, Dan Inosanto and Taky Kimura. Dan Inosanto has trained most of the Jeet Kune Do instructors after Bruce Lee’s death.

Inosanto certified instructors for over 30 years which gave all of them direct lineage contact with Lee through him. Inosanto and taky Kimura were allowed to teach only small groups of students after Lee’s death. Other students of Bruce Lee were Chuck Norris, Joe Lewis and Mike Stone who all where already martial artist.

We all know about Chuck Norris being Lee’s opponent in the movie Return of the Dragon in the famous coliseum fight. Norris was already an accomplished martial artist when he met Lee, having learned Tang Soo Do in Korea while in the Air Force and competing and teaching back in the U.S.A.

The actor James Coburn could be found hanging out with Lee and was one of his students. Kareem Abdul-Jabbar a basketball star in the A.B.A and the N.B.A. was a student and was in Bruce Lee’s Game of Death as the last of the characters that Lee fought while going up the pagoda. Steve McQueen brought his son to Bruce for martial arts instruction. Chuck Norris had also instructed his son.

Public Liability Insurance – Do I Need It?

We hear so many horror stories through the media about people being injured or having their home or their car damaged as a result of accidents involving tradesman. There are so many things that can go wrong.

If you are a gardener or painter & Decorator, – you may think that your business is low risk and there are very few things that could happen to leave your business exposed. Have you considered that you may use a power tool that blows the electrics causing hundreds of pounds of damage to electrical equipment in the customer’s home? Have you considered that if your client was to trip over a tin of paint and fall down the stairs you could be eligible to pay compensation for any injuries caused and any loss of earnings for the client as a result of those injuries?

Most people associate Public Liability Insurance to more high risk trades such as Gas Fitter’s and Electrician’s for obvious reasons – and whilst it is important for those trades to be adequately insured, it is important for anyone working with, and around the public to be insured. Public Liability Insurance can be low cost and is directly rated to the risk of the trade. Gardeners and handymen could expect to pay considerably less than gas fitters for example – the risks are different.

Sadly we live in a time whereby people look for reasons to claim for compensation and use the smallest of mistakes to make complaints – any sole trader or business owner who wants to risk their reputation and financial future ‘trusting’ their clients not to trip over their a wire, or slip on a wet surface and try to claims hundreds and thousands of pounds in damages – could be seen as foolish?

With premiums for Liability Insurance starting at around £56 per year, it is an unnecessary risk; There are many insurers that offer comprehensive liability policies to suit your trade and needs perfectly. You will be able to get quotes online and over the telephone quickly. You may even find that some of your clients will ask to see a certificate of insurance before they agree to enter into a contract with you, this is perfectly acceptable and is fast becoming the ‘norm’. Clients want to make sure that if anyone is injured, or any property is damaged – the tradesman is insured adequately to cover the damages.

5 Of The Best Ways to Finger a Girl

Fingering a woman is not the same as putting on an oil filter. She requires more skill and attention than your 1967 Shelby GT. Mustang. A woman needs loving care and your attention. Some of the best ways to show her affection is through foreplay. There are tons of ways to perform foreplay but some of the methods are harmful in nature and should be avoided. Foreplay consists of finger play, oral sex, regular sex and sometimes other forms of sexual activity.

Today we are going to concentrate on finger play. Here are my top 5 best ways to finger a girl.

#1 The Slide Rail

This technique is once she is comfortable, and the fingering has gone beyond the point of getting her wet from rubbing her outer vagina. Use your index finger and middle finger, one on each side of the clitoris. Slowly slide your two fingers down until you reach the vaginal opening, at which point return to the starting position.

#2 Clitoris Stimulation

You can apply your fingers to the clitoris and rub in a gentle fashion. The right amount of pleasure will cause her to climax. There are different ways to use your fingers to pleasure your girl. Some women prefer a dry rub, while others prefer to have some form of lubrication. The speed and direction are important in achieving a climax, her preferences should be considered first. You can use more than one finger and is recommended to reduce the stress on the wrist and hand. The position that you lay or sit in effects the amount of strain on the arm.

#3 Happy Hands

Don’t just use your fingers, you have more tools at your disposal. Your extra hand can be fondling her body in other sensitive areas. If you are lying next to her use your legs and feet to get close and make that physical connection.

#4 Twist and Shout

Push your index and middle finger into her vaginal opening, start slow, and make sure the region is already wet and lubricated prior to penetration. Try rotating your fingers as you enter and exit, this will provide a different and enjoyable sensation.

#5 Discovering The G Spot

The G Spot can be found if you are facing her with your index or middle finger inside her vagina. Make a “come here” motion with the finger. It’s almost like you are aiming for her belly button from the inside. You should be able to feel the spot, as it has a unique texture and feel. Somewhat like the top of the mouth.

So there you have it. These techniques will help you get your women to really appreciate your efforts in bed. Have fun with them, and experiment. In University I was dating a girl that would go crazy for these techniques. She was so exhausted afterwards from the multiple orgasms that we didn’t even get to penetration. As a result whenever I was looking for a release, she was happy to help. Relationships are about give and take. The more you give you more you will receive in return.

Insurers Use a Variety of Key Tools When Assessing the Financial Stability of a Potential Account

For many small and medium sized businesses, most insurance underwriters will be able to determine the quality of risk by looking at a few key factors such as loss history, location, years in business, revenues, qualifications of management and accounting information if warranted. Yet for much larger and complex risks with revenues in the 10’s of millions, ratio analysis has become mandatory. There are many types of ratios that can be derived from the accounting records. We will look at a few key ratios that assist insurers in identifying the following key objectives.

  • The overall financial strength of the company
  • The ability to pay premiums
  • Growth and future shortcomings

I will examine 4 of the more common types of ratios used by underwriters and actuaries.

Total Assets Turnover Ratio

Leverage Ratio

Liquidity Ratio

Profitability Ratio

Total Assets Ratio -numbers from both the balance sheet and the income statement are needed to determine this ratio. The total assets turnover ratio helps determine the financial strength of the company and its ability to use assets to generate sales. It is often used in back to back year comparisons

Total assets turnover ratio = ____Sales______

Average total assets

Ex: MYcompany = 1,500,000/ ($960,000 +$ 1,000,000)

= 1.3

A ratio amount of less than 3 is a good indicator that there may be an issue with one or more of the asset categories such as fixed assets, inventory or account receivables. The insurer would most likely look into this further to seek out if there could be a problem with inventory or if the firm’s collection period is too long.

Leverage Ratio – this ratio looks at the company’s ability to meets its financial obligations. The larger the debt may be, the greater the chance that the company will be unable to meet their debt payments.

The most commonly used Leverage ratio is total debt to total assets and can be calculated as follows

Total debt to total assets ratio = ___Total debt___

Total assets

EX: Mycompany = $650,000/$1,400,000

=.46

For each dollar of the company’s assets, creditors are financing 46 cents. This is very close to 50% or 50 cents and should be monitored closely with calculations done on previous years to see how the company is trending.

Liquidity Ratio – this really quick ratio allows one to determine the company’s ability to pay short term debts. A low ratio will indicate the company may be struggling and unable to meet expenses as they come due. A ratio amount of less than 2 is usually an indication of poor performance.

The most common liquidity ratio is the Current ratio calculation

Current ratio = __Current assets___

Current liabilities

EX: Mycompany = $130,00/$48,000

= $ 2.7

Mycompany has $2.7 of Current Assets to meet $1.00 of its Current Liability. This is a good ratio.

Profitability Ratio – this ratio measures the overall performance of a company. The Net profit margin is the most easy and commonly used ratio. It quickly indicates how much of each dollar shows up as net income after all expenses have been paid. For example, if the net profit margin is 5% that means that 5 cents of every dollar is profit. A ratio amount of 5% or greater is a good indication.

Net Profit Margin = Net Income

Net Sales

EX: Mycompany = $45,000/$560,000

= $.084 or 8.4%

Thus Mycompany realized an 8.4 % net profit after taxes.

Once a few or all of the above scenarios are run by the insurer, they can then determine if the risk presented fits their underwriting guidelines and what premiums and coverage’s will be applied. If the risk is unfavorable, the insurer will most likely decline the risk and keep a record on file indicating this risk was presented and declined usually for a 3-5 year period. In addition to insurance companies, many banks have also run these formulas to help determine the efficiency of operations and credit worthiness of loan applications. These simple and quick calculations can provide instant information about a company’s performance and can trigger alarming numbers that may need to be reviewed more closely. Small and medium sized business owners can do these calculations on their own or seek out an accountant to see how their business is trending before the year end income statement and balance sheet are produced.

It must be pointed out that different industries have different ratio benchmarks. Many insurance companies have gathered this information from many years of data from a number of different industries. An excellent place to obtain key business ratios is Dun and Bradsheet. Feel free to drop me a line if you have any questions or looking for other key ratio indicators.