Saturday, October 6, 2012

Manage Overtime Payments with Debt Management

Enrollment into debt management plan means you are agree to make fixed monthly payment according to the terms of the DMP towards your debts. The payment amount will be based upon certain factors that include your income and minimum household expenses. But if you are getting extra due to overtime payments then you will be wonder to know that you need to use this money towards debt contribution that you wish to keep for savings or other expenses.

DMP based upon regular income sources. Occasionally, it doesn?t include overtime payments or bonuses in contribution. It may happen in some months that you are unable to make payment in debt management plan due to short cash or other unexpected financial expenses. Debt management payments are based upon the steady source of income that will further make it comfortable for debtor to arrange payments.

Some employment arrangements provide guaranteed overtime. In such options, creditors may ask to make extra contribution per month towards the debts. It is not that according to the plan you will need to adjust monthly payments each month. It will also be harder for creditor to accept payments by including overtime pays each month. Sometimes, you may receive more than the expected payments. In such situations, it is advised not to exceed your monthly payments.

If you are getting extra money then use it in smart ways. Contribute the amount for emergency fund so that you can avoid taking any new loan in future. It is good idea to keep reserved cash for six to twelve months. You can also use this amount for debt settlement. When you think you have lump sum amount to settle your debts then contract your creditor and ask him for debt settlement. It is good idea to save money. Creditors generally get ready to write off remaining amounts if you are paying lump sum amount towards debt in single payment.

Get more information on debt management at http://www.debtconsolidation247.co.uk/debt_management_plan.html

Source: http://www.briefingwire.com/pr/manage-overtime-payments-with-debt-management

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US consumer credit up $18.1 billion in August

FILE - In this May 9, 2012 file photo, a Visa credit card is tendered at opening of the Superdry store in New York's Times Square. Americans boosted their borrowing in August by the largest amount in three months with strong gains in the category that covers auto and student loans and in credit card debt. (AP Photo/Richard Drew)

FILE - In this May 9, 2012 file photo, a Visa credit card is tendered at opening of the Superdry store in New York's Times Square. Americans boosted their borrowing in August by the largest amount in three months with strong gains in the category that covers auto and student loans and in credit card debt. (AP Photo/Richard Drew)

FILE-In this Wednesday, Aug. 22, 2012, photo, a cashier rings up a sale at a Target store in Chicago on Wednesday, Aug. 22, 2012. Americans boosted their borrowing in August by the largest amount in three months with strong gains in the category that covers auto and student loans and in credit card debt. (AP Photo/Sitthixay Ditthavong, File)

WASHINGTON (AP) ? Americans boosted their borrowing in August by the largest amount in three months with strong gains in the category that covers auto and student loans and in credit card debt.

Total consumer borrowing increased $18.1 billion in August compared to July, the Federal Reserve reported Friday. In July, consumer borrowing had fallen for the first time in nearly a year.

The rebound in August along with a separate report that showed the nation's unemployment rate dropped to 7.8 percent in September were viewed as encouraging signs for an economy that has been struggling in recent months.

The August borrowing gains reflected a $4.2 billion increase in borrowing on credit cards and a $13.9 billion increase in auto and student loans.

Gregory Daco, senior economist at IHS Global Insight, said he looked for the low interest rates generated by the Federal Reserve's latest bond buying program to spur further gains in consumer credit in coming months.

"Some consumers with healthy finances are making more use of credit to buy autos and retail goods," Daco said.

Retail sales rose in August, in part because consumers bought more cars and trucks. However, they were cautious elsewhere, as rising gas prices left them less to spend in other areas.

Activity through August left total consumer debt at $2.73 trillion, putting it 5.5 percent above the pre-recession peak for credit hit in July 2008.

Consumers have been using credit cards much less since the 2008 credit crisis. Four years ago, Americans had $1.03 trillion in credit card debt, an all-time high. In August, that figure was 17 percent lower.

During the same period, student loan debt has increased dramatically. The category that includes auto and student loans, along with other loans for items such as boats, has jumped to a level 20.3 percent higher than July 2008.

In the April-June quarter, student loans totaled $914 billion, according to a recent report from the Federal Reserve Bank of New York. That is a nearly 50 percent increase from the July-September quarter of 2008.

Much of the increase in student loans is because of high unemployment, which has led many Americans to go back to school in hopes of improving their education and skills in a more competitive labor market.

American finances have been improving. In a separate quarterly report, the Fed said last month that a jump in the stock market and rising home prices are bringing Americans closer to regaining the wealth they lost in the recession.

In the severe 2007-2009 recession, Americans lost nearly a quarter of their wealth, from a pre-recession peak of $67.4 trillion in the fall of 2007. Household wealth plummeted to $51.2 trillion in early 2009. But as of the April-June quarter, household net worth has risen to $62.7 trillion. The net worth figure is the difference between assets and liabilities such as mortgages and other loans.

While the Fed's quarterly report covers all household debt, the Fed's monthly consumer credit report covers only loans not backed by real estate, excluding mortgages and home equity loans.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2012-10-05-Consumer%20Credit/id-bb0a83c637d840dc8583de7bb13ddcef

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Friday, October 5, 2012

Harvest Tart | David Lebovitz

harvest tart

I was lucky to be at my friend Kate?s house and extensive fruit and vegetable gardens in the Lot a few weeks back, when the seasons were overlapping. The last of the red peaches were still clinging to the trees, while the branches of the nearby pear and fig trees were filled with wonderful fruit ripe for the picking ? and baking. And I couldn?t resist spending my time wandering around the yard and gardens, picking what I could, doing some impromptu tasting, and enjoying some down-time in nature.

farm eggsgrapes
sucreharvest tart
harvest tartwalnuts

While I like fruit just as it is, there?s also something satisfying about rustling up a whole bunch of fruit that?s just free for the grabbing, and then making a dessert that uses plenty of them without a lot of fuss. After some peeling and the inevitable goofy chit-chat cooks like to do when doing rote work such as peeling apples, we headed to the kitchen counter where Kate rolled out dough she had quickly put together, and lined a deep baking dish (from her fabulous collection of local pottery, which ? of course, I covet with my heart and soul?or what?s left of them) with it.

As she rolled and rolled, Kate told me she calls this Harvest Tart. This particular version uses apples, figs, grapes from the market, with a few walnuts crisped over the top. For those of you who are scared of making dough, get over it. There?s nothing to worry about, especially with this tart, where the dough is used to line a dish then filled to the brim, so any imperfections will get lost in the jumble of cooked fruit. And if guests are coming to criticize or look for any faults, maybe it?s time to revise that guest list (!)

harvest tartharvest tart
harvest tartharvest tart

Speaking of fruit, you can certainly take some carte blanche with this one, and use apples and plums, or toss some berries in there. I would caution against using very juice summer fruits like peaches and nectarines, unless you toss them in a spoonful of flour to absorb some of the juices. Around the holidays, I would think that cranberries and pears mixed together, with some apples (and mincemeat) would be terrific as well.

harvest tart

Like Dorie?s French Apple Tart, this tart also works best with a jumble of apples; some sweet ones, and some on a tart side. I just picked what looked good to me and the variety isn?t as important as using good baking apples. So maybe hit your local farm stand or greenmarket in search of some interesting varieties.

harvest tartharvest tart
harvest tartharvest tart

In France, apple sellers usually have a bin of pommes ? cuire (apples to cook), which have a few dents and dings, but are perfectly fine.

harvest tart

And because I?m so frugal, I confess that I buy those for eating as well. In fact, I have a friend that works for a French farm organization and he says he only buys fruit that is getting on, or just about to rot, because it?s the fruit that has the most flavor.

figs

But still, I can?t really get it out of my craw that tarts are something that people are often afraid to make, put off by those too-perfect ones they see in bakeries and in food magazines. One French secret is that some folks buy pre-made, pre-rolled dough in supermarkets, ready to unwrap and fill. So if you want a perfect appearance, you can buy it.

tart and armagnaccreme fraiche
creme fraiche and eggharvest tart

It?s similar to those pie crust sticks in America, but a little less-messier. (Plus a number of Parisian kitchens aren?t quite large enough to roll anything out on.) Most brands don?t list butter as a primary ingredients ? quelle horreur!?in fact, it?s often quite far down the list ? but they are convenient, I suppose. Me? I?ll stick with flour and butter.

le brunchkate hill
ros?harvest tart

The good news is that this buttery dough comes together ready quickly and because it?s meant to be rustic, any flaws or goofs are easily overlooked when it?s brought to the table. And a big dollop of cream flavored with Armagnac on each portion doesn?t hurt either. And neither does a shot for the hard-working bakers, too, I might add.

As we peeled and rolled, folks were setting the table for brunch. And because a few folks were getting a jump-start on the meal, we could hear the sound of ros? being poured over crackling ice. It was so tempting that we moved outside to finish assembling the tart so we could savor the last days of summer weather with everyone else.

harvest tart

harvest tart

Then, into the oven it went. We had a lovely meal, which was a m?lange of good things from America (grits), French eggs (can?t get more French than the hen house near the kitchen), and bacon from the Agen market, properly crisped by a British cook. Some people deride multiculturalism, but I don?t really give a rats derri?re who is doing the cooking, or where the cuisine is from ? if it?s good food and drink, can?t we all be happy?

harvest tart

Our timing was a little off (I blame the ros??) and by the time we had finished our enormous repast, we were a little too-full for dessert. So we had it after dinner later that evening, accompanied by small glasses of Armagnac while the sun went down. And we raised our glasses and toasted the fruits of our harvest, in anticipation of polishing off dessert.

harvest tart

Harvest Tart

One 9- to 10-inch (23 -25 cm tart


Recipe from Kate Hill, of Kitchen at Camont

For the dough

2 3/4 cups (400 gr) flour
1 tablespoon sugar
pinch of salt
9 ounces (250 gr) unsalted butter, chilled
2 large eggs (total)
3 tablespoons water


For the filling

2 1/4 pounds (1 kg) apples, peeled and cored
12 figs, halved
1 small bunch (2 to 4 ounces, 60 -120 grams) fresh grapes, stemmed
1/3 cup (65 gr) sugar, plus additional sugar for sprinkling
a big handful of whole walnuts
1 1/2 tablespoons Armagnac (or brandy, or 1 teaspoon vanilla extract)
1 cup (250 g) cr?me fra?che
1 large egg

1. To make the dough, in a large mixing bowl, stir together the flour, sugar, and salt. Cut the butter into cubes and mix together with your hands or using a pastry blender until it?s in small pieces no larger than the size of corn kernels.

2. Add one egg and the water, and mix until the dough holds together. Roll the dough out on a lightly floured surface until it?s about 18-inches (45 cm) round.

Brush off any excess flour and fit into a 9- or 10-inch high-sided round baking dish or cake pan; the edges will overhang the sides quite a bit. (If using a springform pan, double wrap the outsides with foil to avoid leaks.)

3. Beat the remaining egg in a small bowl with a fork, then brush the insides of the dough with the egg.

4. Prepare the filling by slicing the apples into eighths. Mix them together with the figs, grapes, 1/3 cup (65 g) sugar, and Armagnac, then transfer the filling into the tart dough. Strew the walnuts over the top of the fruit.

5. In a small bowl, mix together the cr?me fra?che with the egg and pour it over the fruit and nuts. Lift the edges of the dough and cover the fruit, then sprinkle a good amount additional sugar over the top of the dough.

(When making tarts like this, I brush the dough with melted butter to help it stick.)

6. Put the tart on a baking sheet and bake in a 425F? (218?C) oven for 55 minutes to 1 hour, until the top of the dough is browned and the fruit is cooked through, which you can verify by poking the center with a paring knife; when done, it should meet no resistance.

(Note: During baking, the walnuts may darken, as shown. This is a rustic touch and typical. If you are concerned, you can drape the tart with foil if they become too dark for your taste.)

7. Remove the tart from the oven and let cool down a bit before serving.


Serving: It might be hard to get a clean slice from this juicy tart, so feel free to serve slabs into bowls. Kate serves the tart with sweetened cr?me fra?che fortified with a shot of Armagnac or brandy. Vanilla Ice Cream or regular whipped cream are other possible accompaniments.

harvest tart

Source: http://www.davidlebovitz.com/2012/10/apple-tart-recipe-harvest-grapes-figs/

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Lee Schrager on SoBeWFF, Mixology and Where He Eats in Miami ...

One of the hottest things right now, according to Lee Schrager, is mixology -- the skill of blending cocktails with a focus on quality ingredients and innovative flavor combinations. "There's so much emphasis on cocktails right now," he says.

To reflect what he calls the "big explosion of mixology," the South Beach Wine & Food Festival will stage a cocktail event at the Miami Beach Botanical Garden featuring My Ceviche -- Sam Gorenstein's small joint for fresh local seafood -- and Bar Lab, a beverage-consulting service founded by bar chefs Gabriel Orta and Elad Zvi, who catapulted into Miami mixology stardom with their popular pop-up bar the Broken Shaker. This fall, the bar will resurface permanently at the Freehand Miami Beach with an adjacent full-service restaurant.

See Also:
- Lee Schrager on 2013's South Beach Wine & Food Festival: Hip and Hot, Part One

The festival isn't solely focused on the latest trends, though. In fact, the tribute dinner is dedicated to honoring some of the most respected figures in the industry. For 2013, the annual event will honor celebrity chef and restaurateur Nobu Matsuhisa. Previous honorees have included Daniel Boulud and Alain Ducasse.

As for the possibility of a second volume of the festival's cookbook, which was released in 2010, Schrager says, "Once was enough. It was an incredible amount of work and incredibly rewarding, but maybe again in the 20th year."

Still, he has favorites among the 100 recipes: Pierre Herm?'s chocolate coconut cake and Martha Stewart's lobster roll.

But Schrager doesn't do much cooking at home in Miami. Instead, he typically grills and bakes during his summers on Long Island -- where he gets a kick out of visiting farm stands for local produce.

When in Miami, the festival's director enjoys celebrating the area he has called home for more than 18 years, the Design District. "I love what's happening here," he says. He then follows with a list of his top picks in the area: Michael's Genuine Food & Drink, Michy's, Red Light Little River, and Sugarcane Raw Bar Grill. A list like that shows he has much more than vision. Schrager has taste too.

Follow Short Order on Facebook and on Twitter @Short_Order.

Source: http://blogs.miaminewtimes.com/shortorder/2012/10/hip_and_hot_lee_schrager_on_20_1.php

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Thursday, October 4, 2012

Dog survives 110-mile ride on pickup's engine

(AP) ? A dog has survived a 110-mile ride on the hot engine of a pickup truck during a Southern California heat wave.

The driver of a Chevrolet Silverado felt the pickup move slightly after he stopped in San Clemente on Monday. He had just driven from Chino to Orange and Camp Pendleton.

The Orange County Register (bit.ly/QFtxvg) says 52-year-old Jaime Maga?a noticed fur above the left front tire and he opened the hood to find a 25-pound dog atop the engine.

Temperatures outside were nudging 100 degrees.

Maga?a called for help and an animal control officer put the dog, nicknamed Chevy, into her air conditioned truck.

It perked right up.

Maga?a says he's seen the dog in his Chino neighborhood.

The hunt is on for the dog's owner.

___

Information from: The Orange County Register, http://www.ocregister.com

Source: http://hosted2.ap.org/APDEFAULT/aa9398e6757a46fa93ed5dea7bd3729e/Article_2012-10-02-Hot%20Engine%20Doggie/id-6ca6954ea0c24349bc78137cad1e3f25

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Tiny 'Dracula' dinosaur had bristles and fangs, ate veggies

The 200-million-year-old dinosaur 'was two-legged, probably fleet-footed, and had grasping hands,' said researcher Paul Sereno.

By Charles Choi,?LiveScience Contributor / October 3, 2012

This is a Heterodontosaurus flesh model and skull. Skin, scales and quills are added to a cast of the skull of Heterodontosaurus, the best known heterodontosaurid from South Africa.

Photo and sculpting by Tyler Keillor.

Enlarge

A bizarre dinosaur had vampire-like fangs, a parrot beak and porcupine bristles, researchers say.

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The ancient creature, which was found 50 years ago in southern Africa but drew relatively little attention until now, may shed light on the evolution of the major group of dinosaurs that included famous giants such as?Stegosaurus?andTriceratops.

The 200-million-year-old dinosaur "was two-legged, probably fleet-footed, and had grasping hands," said researcher Paul Sereno, a paleontologist at the University of Chicago.

Named?Pegomastax africanus, or "thick jaw from Africa," it was less than 2 feet (0.6 meters) long and weighed less than a house cat at 15 pounds (6.8 kilograms) at most, "and was mostly tail and neck," Sereno added.

Strangely, bristles somewhat like porcupine quills may have spread across most of the body of?Pegomastax. Such bristles first appeared in a relative named?Tianyulong?recently discovered in China. Buried in lake sediments and covered by volcanic ash,?Tianyulong?was preserved with hundreds of bristles covering its body from its neck to the tip of its tail. [Paleo-Art: Stunning Illustrations of Dinosaurs]

"It would have looked a bit like a two-legged porcupine, covered in these weird, funky, quill-like things," Sereno said ofPegomastax. "The bristles were not quite as strong as a porcupine's, and they don't look as if they were especially effective for insulation. Perhaps they had colors and helped differentiate species, or made?Pegomastaxlook bigger than it actually was to potential predators."

Extending from its?parrot-beaked skull, which was less than 2 inches (5 centimeters) long, were serrated canines a half-inch (0.8 cm) long from both its upper and lower jaws.

"It would have?looked like Dracula," Sereno told LiveScience. "Probably appropriate, since we're now moving toward Halloween."

The dinosaur was originally chipped out of red rock near the border of Lesotho and South Africa by Harvard researchers in the 1960s. Sereno recently came across it while going through Harvard archives.

"I was just amazed," Sereno recalled.

Although the?long stabbing fangs?might hint that?Pegomastax?was a predator, its parrotlike beak instead suggests it ate seeds and nuts, or maybe plucked fruit. When the jaws closed, the fangs slid into sockets in the opposing jaws instead of sliding past one another for the optimized cutting or gripping expected of a carnivore.

"The canines?probably had nothing to do with meat-eating," Sereno said. "They may have been used to spite rivals, nip at others, defend themselves, maybe root around for food."

Tall teeth in the back of the jaw probably helped slice plants, with surfaces that slid past one another when the jaws closed, operating like self-sharpening scissors. "Pegomastax?and kin were the most advanced plant-eaters of their day," Sereno said.

Pegomastax?belonged to one of two major divisions of dinosaurs, the "bird-hipped" ornithischians, which included armored ankylosaurs, bony-plated stegosaurs, duck-billed hadrosaurs and horned,?frilled ceratopsians?such as?Triceratops. Ironically, birds themselves belong to the other major group of dinosaurs, the "lizard-hipped" saurischians, which included the carnivorous theropods such as?Tyrannosaurusand the long-necked herbivorous sauropods such as?Diplodocus.

When?Pegomastax?was alive, the supercontinent Pangaea had just begun to split into northern and southern land masses.Pegomastax?appears to lie near the base of the family tree of the ornithischians, and as such could shed light on the evolution of this major group, Sereno said.

The scientists detailed their findings online today (Oct. 3) in the journal ZooKeys and on the website of the National Geographic Society.

Follow LiveScience on Twitter?@livescience. We're also on?Facebook?&?Google+.

Source: http://rss.csmonitor.com/~r/feeds/csm/~3/mUWMbXH2s0g/Tiny-Dracula-dinosaur-had-bristles-and-fangs-ate-veggies

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ACC scheduling changes to impact basketball ... - WRAL Sports Fan

Colleges

ACC scheduling changes to impact basketball, football


Published: 2012-10-03 13:24:00
Updated: 2012-10-03 15:14:12

Updated at 3:14 p.m.

Atlantic Coast Conference Commissioner John Swofford announced what the addition of Notre Dame means for Triangle teams and others in the conference. He discussed the future scheduling formats and conference policies following the annual ACC Fall Business Meetings.

"The addition of Notre Dame gives us an opportunity to reinforce a number of conference rivalries in basketball and Olympic sports while also giving our schools greater flexibility in nonconference football scheduling," said Swofford.

In short, North Carolina will maintain their rivalry with Duke and NC State in basketball and Duke and NC State will partner with North Carolina and Wake Forest.?

The addition of teams to the conference also means the ACC basketball tournament will now expand to five days. The tournament will begin with three games on Wednesday, followed by four games each on Thursday and Friday. The two semifinal games will be played on Saturday with the championship game remaining on Sunday.

The top four seeds will continue to receive byes into Friday's quarterfinal round.

Men?s and women?s basketball will continue to play an 18-game conference schedule with two "primary partners" whom they will play home and home each season. The two-partner format secures the rivalry between North Carolina, Duke and NC State.

In addition to the four annual games against their partners, the remaining 14 conference games will feature home and away games with two rotating opponents and five home-only games and five road-only games.

The two-primary-partners within the conference are:
North Carolina - Duke and NC State
NC State - North Carolina and Wake Forest
Duke - North Carolina and Wake Forest

Boston College - Notre Dame and Syracuse
Clemson - Florida State and Georgia Tech
Florida State - Clemson and Miami
Georgia Tech - Clemson and Notre Dame
Maryland - Pitt and Virginia
Miami - Florida State and Virginia Tech
Notre Dame - Boston College and Georgia Tech
Pitt - Maryland and Syracuse
Syracuse - Boston College and Pitt
Virginia - Maryland and Virginia Tech
Virginia Tech - Miami and Virginia
Wake Forest - Duke and NC State

The annual ACC/Big 12 Challenge will include the 12 teams with the best RPI from the previous year.

In football, the ACC will continue play an eight-game conference schedule beginning in 2013. The league had announced in February it would have a nine-game football schedule once Pittsburgh and Syracuse joined but with?Notre Dame playing five games annually against ACC teams the league voted to remain with an eight-game conference schedule. Divisions, primary crossover partners and rotating opponents from the opposite division will remain the same.

Beginning with the 2014 season, the ACC Baseball Championship will feature 10 teams in a six-day event. A double-elimination format will be used Tuesday through Friday followed by two single-elimination games on Saturday and the championship game on Sunday.

The ACC's Faculty Athletic Representatives and Athletics Directors also ruled that if a member institution is ineligible for postseason competition due to NCAA sanctions, it will be ineligible for regular season or divisional recognition.

?

Copyright 2012 by Capitol Broadcasting Company. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

Most Recent Comments

RE: ACC scheduling changes to impact basketball, football

It's a sad day for the ACC. I will not be as interested in college sports as I used to be. I think now the NCAA needs to let schools pay college students to play on there teams. Everything is about MONEY anyway!!?

- Posted by dsims100758

NOW you think they should pay players? You mean since the ACC struck a deal with Notre Dame? Or since they added Syracuse and Pitt? What was the tipping point for you?

RE: ACC scheduling changes to impact basketball, football

With that "two-primary-partner" raz-ma-taz, Swofford (or some lackey of his with a pocket protector and a slide rule), has proven he can solve any Rubic's cube. -:)

RE: ACC scheduling changes to impact basketball, football

So glad the maroons decided to be smart and go to the 8 game conference schedule. Nine games would be about the worse thing you could do to the football schools and it was a big reason there were Clemson and FSU to Big 12 rumors earlier this year. Clemson already had to drop a future contract with Oklahoma and Ok State because of that move and hopefully we can now reschedule.

RE: ACC scheduling changes to impact basketball, football

yeah!! can't wait for 'Cuse to come into the ACC, and show up all those Wolf Puppies, Tar Shes and Puke how real basketball is played. Bring it on.?

- Posted by rk1115
lol

RE: ACC scheduling changes to impact basketball, football

Swofford is to blame for all of this. Why should NC State have to play that Cheating Carolina twice? We should play Duke and Fla. State twice. PacknoPride needs to get on this one, and Dan Kane. ?

- Posted by PacknoPride

Please, State, move to the SEC and play those guys in football every week. The local orthopedists would be able to retire in no time at all. And Dan Kane, how about looking at the Recreation dept at UNC-R?

Source: http://www.wralsportsfan.com/acc-scheduling-changes-to-impact-basketball--football/11620743/

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