Creating An Indoor Herb Garden

Creating an indoor herb garden is quite an easy task as herbs are inexpensive plants that are easy to maintain and are undemanding. An indoor herb garden can be termed as an introductory course for any beginner to the art of gardening.

Depending on their use, herbs can be classified into culinary herbs, medicinal herbs and aromatic herbs. Culinary herbs include basil, rosemary, parsley and oregano. These herbs are used to add spice and flavor in food. Medicinal herbs include plants like echinacea, valerian, hypericum, gingko and garlic that are widely used in medicinal preparations. Oils from plants like lavender, rose, mint and basil are used for aromatherapies. Most of these plants are not suitable for an indoor herb garden as it is difficult to extract the medicinal parts of the plant. Ornamental herbs are those that are grown to enhance the beauty of homes.

You can start with herbs like oregano, rosemary, garlic chives, mint and thyme. You can either buy these plants at a garden center or can use stem cuttings. Containers are useful for growing herbs at home as these are easy to carry and are convenient for adjusting soil mixtures. These containers are available in different colors, so creating an added attraction. You can also start an indoor herb garden from the seed level. Heavy clay or terra cotta pots are preferred as these pots facilitate good circulation of air and water.

You can have a beautiful indoor herb garden if you follow certain tips. Soilless mixture of vermiculite, peat and perlite ensures proper growth of seeds and seedlings. Keeping pots in the southern or western window ensures proper sunlight and air. Soil in the containers and pots should be moist but not damp. Pots should be kept in shady regions during summers. Humidity around indoor plants can be increased if they are grouped together.

Culinary Arts Industry

The fetish for food and the passion for preparing them do not really mean that most professionals of the culinary arts industry have obesity problems. In fact, most people who have earned their degree and are part of the culinary industry are health-conscious. Yes, some of them work as nutritionists and dietitians which are basically responsible for ensuring that people eat the right kinds of foods.

There are several number of culinary institutions all over the country. Each one offers varied programs than the other. However, all of them claim to offer extensive training. If you're thinking of a career in the culinary arts industry, choosing the best school and the right program for you should be done carefully.

First of all, just because a culinary school is popular, does not mean that it can provide you with the finest training for you. Before you consider a particular institution, make sure you know your strengths. Are you geared towards baking and pastry? Or would you rather be in the hospitality management? However, if you are yet undecided and you have not really figured out that career path in the culinary industry you'd like to follow, it is a good idea to take up the Associate Degree. It is a good starting point for those who are still trying to find their niche in the culinary industry.

People with formal education and training on culinary arts have basically a big chance of landing a good career in the culinary industry. This is a highly-competitive field, but a growing one at that. It is even found out that the culinary industry is one of the fastest-growing in the country today.

Culinary arts education entails action, excitment and meeting people. Expect to be mystified by the wonderful world of the culinary arts industry. It is even predicted to be the leader in providing jobs and revenue in a few years. There are several promising professionals that the culinary arts industry can offer you. Whether you like to be a chef, a restaurateur, or a food researcher, all these can be realized if you have what it takes to be in the culinary arts industry.

If you have the passion, the right attitude, and a strong drive to excel, then it is time to start scouting for the right culinary school. There are schools that provide programs with intensive hands-on training, externship, and offers assistance in finding you a good career opportunity. There is a wide variety of jobs that you can possibly have after getting your formal education. The most important thing is you are committed to your craft and you have the urge to hone your skills.

How to Manage Your Personal Finances – Retirement Capital Requirements

Many articles have been written about the subject of retirement planning and there are many books published by experts on this very important issue. I have just recently joined the fold of the retired group and I have been through the mill (so to speak) of planning and implementing my retirement plan in it's initial phase. It is this, the initial phase, which I would like to concentrate on in this article.

So, how do I plan my retirement date?

Most companies have contractual dates for retirement. For example, retirement ages could range from 55 years old for early retirement to 60 years old for Directors to 65 years old for operational staff. These dates are generally a guideline since companies do exercise some flexibility when applying these parameters. However, each individual should be using these parameters as a benchmark and then build a projected financial model to see if they are adequately provided for in retirement. Note: The use of a financial advisor is highly recommended in this planning process.

Since the above guidelines, your retirement date is in fact flexible provided that you can satisfy the golden formula which is expressed as: "Accrued income plus passive income must exceed your current cost of living plus an adjustment (up or down) for lifestyle choice in retirement plus inflation projections and sufficient liquid cash for emergencies ".

Let's face it, the thought of early retirement is in the minds of all of us but if you can not afford it, you are heading for suicide.

Let me expand the golden formula as follows:

  • Accrued income is the monthly pension or income that you can derive from your pension accumulation through your working life. This figure will be provided to you by your pension fund or your investment institution.
  • Passive income is income from investments that you made through your working life. Here you consider regular income from property investments, equity investments, dividends, savings interest, business partnerships and any other form of reliable income which you will derive on a monthly basis.
  • Current cost of living is the full annual cost of your current lifestyle. Be extravagant in estimating this figure and be sure to include everything that you incur as a cost.
  • Adjust your retirement requirements up or down depending on your circumstances and your intended lifestyle in retirement.
  • Make adequate provision for injury during your retirement years. Your financial advisor should project your retirement capital adequacy over your expected lifespan.
  • Ensure that you have a 'nestegg "of cash available for emergencies such as buying a new car, unexpected medical bills, renovating your house, helping your kids, taking some holidays and anything else which is relevant to your situation.

I spend many hours pondering the above elements and I suppose it is only natural to be very conservative about whether you can actually go ahead and retire. Assuming that the criteria for the golden formula are met and in order to make the decision a little easier, the following points are highly recommended:

  • You should have no heavy debt burdens. Your mortgage should be paid off, your car hire purchase agreements should be settled and you should have no major debt commitments. In fact, you should be able to live from cash out of your wallet.
  • Your "wish list" for your activities in retirement must be catered for in your planned expenditure.
  • You must not have any plans that requires you to erode your capital base.
  • You need to be sure that your monthly income is pretty secure and you need to have alternative plans if for some reason, your monthly income drops.
  • You need to be able to save some of your retirement income monthly just to prove that you are coping.

In this planning exercise, you need to budget for everything that you want in retirement. Once you have taken the step, there is no turning back if you are serious about retiring. You also do not want to find out that you can not afford some of the things which you had in your vision.

In conclusion, the most important factor in planning your retirement is to ensure that your life partner (if appropriate) is fully informed and on board with the plan and that you create a mutual acceptance and arbitration about your future in retirement.

The above article is created to stimulate thought on your own unique circumstances and you need to tailor your plan accordingly.

Teen Issues – Pads, Liners, and Liners

Once you begin menstruating, you'll need to use a pad, tampon, or both. You may want to use only pads, only tampons, or both. Most girls find it useful to use pads during days of light flow, or when their period first starts. Tampons are usually used during times of heavy flow, or while swimming and other physical activities.

Liners: A thinner pad designed for days of lighter ministration.
Pad: An absorbent piece of material worn by a girl while she is menstruating, to absorb the flow of blood from the vagina.

Instructions: The following are general instructions on how to use disposable pads.

1. Remove the pad from its wrapping.

2. Remove the paper backing from the back of the pad (and wings if applicable).

3. Pull panties down to access crotch area.

4. Firmly press the pad into the crotch of your panties (middle area which Touches your vagina) quilted side up.

5. Change pads every 4-6 hours. Also change your pad if you feel leaks, or it becomes uncomfortable.

Tampons: A tampon is a disposable plug that a woman inserts into her vagina during her menstrual period to absorb the flow of blood.

Instructions: The following are general instructions on how to use disposable pads.

1. Sit or stand in a comfortable position, you can try propping your foot on the bathtub, or toilet seat. Be sure to relax, this will make insertion easier. Hold the tampon by the larger tube with the string away from your body.

2. With your other hand pull back the skin around your vagina, and position the tampon in the vaginal opening.

3. Gently push the tampon into your vagina until the outer tube is completely inside your vagina.

4. Once the outer tube is inside, use your index finger to push the inner tube through the outer tube.

5. Once the inner tube is inside, use your thumb and middle finger to remove the outer tube, leaving the string hanging outside of your vagina.
Removal: To remove the tampon site on the toilet, and gently pull the string until the tampon is out.

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