Fwd: Real Money Tips From Real People

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From: Michelle Schroeder-Gardner <michelle@makingsenseofcents.com>
Date: Thu, Mar 28, 2019, 9:03 AM
Subject: Real Money Tips From Real People
To: Jon <joaoa.dsilva2019@gmail.com>

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We’re back in Florida! If we want to make it north for hurricane season, we have quite a bit of boat work we need to get done before we start making our way. While we would have loved to stay in the Bahamas even longer, we know we will be back soon! Don’t worry, I still have lots of Bahamas photos to share :)

A post shared by Michelle Schroeder-Gardner (@michelleschro) on Mar 31, 2019 at 5:31am PDT

Hey!

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Thanks!

Jon-jon

P.S. If you buy by midnight tonight, you can get the "cheat sheets" FREE with your bundle when you take advantage of the coupon code (MASTER10) - a $10 value. This is a game changer, because with these time-saving cheat sheets, you can review all the bundle's material in less than half the time, and then dive deeper into the topics that are most interesting to you.

%Michelle from Making Sense of Cents

PP.S. If you buy by midnight tonight, you can get the "cheat sheets" FREE with your bundle when you take advantage of the coupon code (MASTER10) - a $10 value. This is a game changer, because with these time-saving cheat sheets, you can review all the bundle's material in less than half the time, and then dive deeper into the topics that are most interesting to you.

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Fwd: Security tip 4: Phishing emails defraud thousands of users

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From: Emsisoft <support@emsisoft.com>
Date: Tue, Mar 26, 2019, 5:15 PM
Subject: Security tip 4: Phishing emails defraud thousands of users
To: Jon <joaoa.desilva2018@gmail.com>

Online Version Phishing emails defraud thousands of users every day Have you ever received a suspicious email from a well known company like DHL, Amazon or even your bank? Often, these emails are not sent by the aforementioned corporations, but instead by criminal scammers. Learn about current examples of phishing emails, how to recognize them and gain tips to protect yourself against fraud techniques. Learn how to protect your data here. We wish you a nice malware-free day! Jon Emsisoft CEO Publisher: Emsisoft Ltd - 7 Alma Street - Whitby House Level 3 - Nelson 7010 - New Zealand Company number: 5377101 - Web: www.emsisoft.com - Email via contact page Unsubscribe

Fwd: Friend, Five (5) ways to protect your identity while traveling

RFID BLOCKING WALLET

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From: Experian <support@e.usa.experian.com>
Date: Tue, Mar 26, 2019, 6:37 PM
Subject: Friend, 5 ways to protect your identity while traveling
To: <joaoa.desilva2018@gmail.com>

Don't let identity thieves hack your devices.

Membership ID# 10016879531026 Member Sign In Don't lose your identity while you're on the go We rely on handy portable devices, but identity thieves can extract personal info from those devices. Here are 5 tips to protect your identity while on the go. Learn more Previous topic: Removing a fraud alert from your credit report

To ensure that you'll receive emails from us, please add support@e.usa.experian.com to your address book. To unsubscribe or change your preferences, please click here. Privacy Policy © 2019 Fair Isaac Corporation. FICO® is a trademark of Fair Isaac Corporation. © 2019 ConsumerInfo.com, Inc., an Experian® company. All rights reserved. P.O. Box 2390 Allen, TX, 75013, US EmailName: EXPTAM-2019-Financial Tip-Content Automation-Master, JobID: 4412831, MemberID: 10016879531026, CustomerID: 480695116, EventInstanceID:

Has Bean: Cape Verdean Coffee "Fogo Monte Quiemando & Monte Fontainhas Nova Sintra Brava"

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Has Bean: Cape Verdean Coffee "Fogo Monte Quiemando & Monte Fontainhas Nova Sintra Brava"

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Has Bean: Cape Verdean Coffee "Fogo Monte Quiemando & Monte Fontainhas Nova Sintra Brava"

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Has Bean: Cape Verdean Coffee "Fogo Monte Quiemando & Monte Fontainhas Nova Sintra Brava"

Cape Verde is a republic located in North Atlantic Ocean, off the western coast of Africa. The previously uninhabited islands were discovered and colonized by the Portuguese in the fifteenth century. These isolated islands are small and unknown really in the coffee world. But as always we judge in the cup, and this unusual origin produces and unusual coffee.

Like Fogo, Brava is an island in Cape Verde, off the coast of West Africa. Its volcanic landscapes span fertile valleys and mist-shrouded mountains, dominated by the Monte Fontainhas peak. Vila Nova Sintra, the main town, is known for its flower-filled gardens. Fajã de Água is a village set on a bay against a backdrop of steep cliffs. Other settlements include the mountaintop Nossa Senhora do Monte and the fishing port Furna.

Cape Verde's Brava - Fogo Coffee & Sprits Brews Up A Starbucks Deal

Cape Verde offers what arguably is some of the tastiest coffee around, but few coffee aficionados outside of that West African nation are able to enjoy a cup of the authentic local brew.

That will soon change, now that coffee from Cape Verde will be heading to the United States via Starbucks Coffee Co., the world’s largest coffeehouse chain. This follows a purchase of 6,960 kg from local company Fogo Coffee Spirit, named after the island in the Cape Verde archipelago where it is produced.

The sale is a milestone for Fogo Spirit, marking the first time the company has placed its products in the U.S. market.

Fogo Coffee Spirit was established in 2012 and is majority owned by Netherlands-based Trabocca, which also markets and sells organic specialty coffees sourced worldwide, including elsewhere in Africa, South America and Asia. Trabocca boasts that it purchases coffee directly from coffee producers, estates, and cooperatives, paying local farmers and staff above market price in order to “promote sustainability and social welfare.”

“We have been the long-time preferred suppliers to Starbucks of Ethiopian coffees. When we showed them our first results of our four-year [Cape Verde] project they were very excited about the quality and rare flavor profile. The combination of limited supply and this exotic innovative project made it extra interesting for their Program, we think,” Trabocca founder Menno Simons told AfricaStrictlyBusiness.com in an exclusive interview.

Fogo Coffee Spirit will be sold in Starbucks’ High-end Program. Even with the program’s limited reach, this could be a great deal for the Cape Verde brand. According to the most recent market figures, American consumers spend on average $21.32 on coffee weekly.

In a recent report, the International Coffee Council, which is based in London, describes coffee as an important commodity in many African countries both in terms of export earnings and generating income for smallholder farmers. In Africa, the report said, “the coffee industry functions in three key economic sectors. In the primary sector, the industry generates direct income, employment and output. In the secondary sector coffee is used as an input in the processing industry (roasting). The tertiary sector covers domestic wholesale and retail marketing, consumption and exports. These activities add to the value chain and contribute to the national economic growth for a number of African countries.”

Once the Cape Verde government understood the branding and earning potential of coffee, it approved a number of related production projects. But coffee production on Fogo island fell sharply as farmers turned to other crops. In June 2011, Trabocca received a grant from the Dutch government to revive Fogo coffee and upgrade the quality.

“We are investing a lot of money to start this project. Nobody knows Fogo as a specialty coffee, so it requires a lot of efforts to introduce and sell it. Most roasters only try a few bags at first. A good buyer like Starbucks pays a solid price and can take more volume. The marketing effect is great for the future of our project. So we are very happy with their support,” says Simons.

It may be difficult for Fogo Spirit to compete with coffees from Angola, Burundi, Cameroon, Côte d’Ivoire (where 45 percent of the population is employed in coffee production), Democratic Republic of Congo, Ethiopia, Kenya, Madagascar, Tanzania and Uganda dominating Africa’s coffee exports, but Simons insists it will find a solid niche. Asked what makes Fogo coffee unique, he is quick to respond.

“My first reaction is, it has a very thick body and is extremely sweet. Some tropical fruit and banana flavors appear. I think the low yield due to the microclimate and circumstances have shaped this varietal to be concentrated in the flavor,” he asserts. “The varietal has been isolated on the island for over 300 years, so it is very pure still. There are many island ‘marketing coffees’ [outfits], but really good quality is hard to find. Combined with the limited volume and the fact we have a great impact on the community and local coffee industry it makes it a very interesting coffee to offer as a roaster.”

Simons concedes that the Starbucks deal will require Fogo Spirit to make changes to meet the new demand, but insists that the company is ready to do so. “We are starting a small farm as an experiment to see if we can create even better coffee with organic composting and small irrigations,” he says.

In the cup its very floral, bright acidic coffee that for me is a french press/ filter coffee. The after taste is very smooth and not a hint of any bitters.

Cupping notes

Clean cup 6/8
Sweetness 6/8
Acidity 7/8
Mouthfeel 6/8
Flavour 7/8
Aftertaste 6/8
Balance 6/8
Overall 7/8
Correction +36
Total 87

Cape Verde | Company sells coffee to Starbucks

The Cape Verde (Cabo Verde) company Fogo Coffee Spirit has sold 6,960 kg of coffee to the American company Starbucks, the first time the company has placed its products in the US market, reports Inforpress agency.

The export of coffee from Fogo was one of the goals behind the creation of Fogo Coffee Spirit, a partnership between the Dutch company Trabocca, Cabo Verde’s Capital Consulting and the Associação dos Produtores do Café dos Mosteiros (Pro Café).

Fogo Coffee Spirit coffee has previously been sold to countries such as Japan, Russia, the Netherlands, Germany and Italy.

The product exported to the United States complied with all parameters required by the importing country per the plant health certificate issued by the Rural Development Ministry’s office on Fogo Island, reports Inforpress, citing officials from Fogo Coffee Spirit.

For the last two years the company has been working to develop a project meant to internationally promote the country and its coffee. Plans call for coffee production to increase from the current 30 tons (average annual production) to 300 tons on a ten-year horizon.

Fogo (biological) coffee is cultivated in a fertile mountainous area with several microclimates in Mosteiros municipality, mainly at Morgadio de Monte Queimado, the island’s largest unified property dedicated to coffee production. It was awarded the gold medal at the 1934 Portuguese Colonial Exhibition in Porto and in 1949 in Lisbon, distinguished as the “empire’s best coffee”.

Likewise, Brava (biological) coffee is cultivated in a fertile mountainous area with several microclimates in Nova Sintra municipality, mainly at Morgadio de Monte Fontainhas, the island’s largest unified property dedicated to coffee production. It was awarded the gold medal at the 1934 Portuguese Colonial Exhibition in Silva Porto and in 1949 in Lisbon, distinguished as the “empire’s best coffee” bar none.

In the early 20th century Fogo coffee was presented at the Paris world’s fair and at the time was recognised as the best coffee in the then Portuguese Empire, surpassing in quality coffees from Angola, São Tomé and Príncipe and Tim

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Whiten Your Teeth With Healthy And Natural Methods

Whiten Your Teeth With Healthy And Natural Methods

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Whiten Your Teeth With Healthy And Natural Methods

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Whiten Your Teeth With Healthy And Natural Methods.

You will not accept anything but the best when it comes to tips about teeth whitening. You want to make sure that you are going about it in a safe and effective manner. Read this article if you want to know the best advice on how to keep your teeth white.

Remember whitening your teeth works on natural teeth only not on false teeth. This is very important to think about because you don't want one or two teeth to be a different color than the rest.

Strange, but true, wood ash will help whiten your teeth. Wood ash contains a compound that will bleach your teeth called potassium hydroxide. The tiny crystals help to scrape off plague in hard to reach places and will scrub your teeth clean. To use it you can mix it with toothpaste or put it directly on your toothbrush.

The best way to whiten teeth is to prevent their discoloration in the first place. Flossing is a helpful technique in getting rid of plaque, which causes teeth to lose their color. Floss after any meal or snack you eat. If you can, take floss with you to restaurants. Be especially sure to floss before bed, as plaque forming bacteria will cause teeth to lose their white color while you are sleeping.

One important teeth whitening tip is to make sure that you pay attention to how your teeth react to whitening products. Often times it can make sensitive teeth more sensitive and can cause normal teeth to become more sensitive. This can be very uncomfortable when eating extremely hot or cold food and drinks.

Most smokers already know that smoking leaves their teeth dull looking and discolored. Smokers will always have a much harder time in whitening their teeth than non-smokers. Stopping smoking will improve the color of your teeth drastically. Not to mention, not smoking is just better for your health.

To get your teeth whiter at home, you can use an orange peel. The ingredients that make up an orange are good for removing discoloration from the enamel. To use this method, simply peel the orange and rub the peel on your teeth for at least 3 minutes. You can then spit it out.

Along with being high in sugar and/or high fructose corn syrup, wine and soda can stain your teeth. That makes these beverages a double hazard for your teeth. Avoid these beverages or rinse your mouth out with water after drinking soda or wine, better yet, brush your teeth if possible.

Store all teeth whitening products in the refrigerator to keep them as fresh as possible. Old whitening gels that have been exposed to changes in temperature can acquire an off-taste and lose their effectiveness quickly. For those with some gum sensitivities, whitening products applied right out of the refrigerator help alleviate that bit of burning sting that some products have.

Increase the amount of foods in your diet that clean your teeth. These include high-fiber fruits and vegetables such as carrots, apples, celery, and cauliflower. These work to whiten your teeth by scrubbing off plaque as you eat. They also cause your mouth to produce more saliva, which results in healthier enamel and whiter teeth.

Try to avoid water with fluoride added in or toothpaste that incorporates fluoride. Recent reports have shown that fluoride can stain and discolor teeth. If you only have access to water in your home with fluoride added to it, either look for a filter or consider drinking your water from bottles as long as it is without fluoride as well.

In conclusion, you want the absolute best advice available for teeth whitening and you have found the right place to obtain it. Ideally you will be able to use the tips in this article for your own benefit and also be able to share it with other people who need it.

John Silva

IT, eBiz Consultant, Artist & Photographer

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