Diciéndote a ti mismo esta mentira y creyéndola te mantendrás siempre en deuda

Encargarse de las finanzas no es fácil. Todas esas cuentas, préstamos estudiantiles, pagos de tarjetas de crédito, sin mencionar el tratar de ahorrar para un pago inicial para una casa o invertir para la jubilación. No es de extrañar que acabemos diciéndonos a nosotros mismos, “Nunca voy a salir picture-01adelante.” Pero resulta que esa es una de las mentiras más destructivas que te dirás a ti mismo.

Cuando te dices que nunca vas a salir adelante, renuncias a intentarlo.

¿Por qué molestarse en ahorrar dinero cuando nunca te darás el lujo de comprar una casa?

¿Por qué molestarse en reducir tus deudas cuando tienes más deudas de las que puede manejar?

Con una actitud derrotista como esa, ¿por qué molestarse en levantarse de la cama por las mañanas?


En lugar de eso, di esto a ti mismo, que vas a salir adelante tomando pequeños pasos hacia tu meta todos los días. Trabajar en pagar el saldo en una sola tarjeta de crédito. Comenzar a apartar sólo $ 100 al mes para tu jubilación. Eso puede no parecer mucho, pero con el tiempo, verá los resultados!

Si los errores ocurren en el camino, no te golpees mucho a ti mismo. En su lugar, aprende de los errores financieros para evitarlos la próxima vez. Y, estar dispuesto a sacrificar hoy (esas  vacaciones o coche nuevo) con el fin de construir un pago inicial para una casa para el mañana.

En lugar de mentirte a ti mismo acerca de cómo las cosas son sin esperanza, has de este día el primer día de tu futuro financiero asegurado!


Carolina Paredes

Mortgage and Real Estate Professional

403 990 4817

Peru’s Maca Root Could Be The Latest Superfood

Prices Leap as Buyers From China Swoop In, Looking for Burst of Energy

CARHUAMAYO, Peru—Natural-products companies based in the U.S., Europe and elsewhere have steadily built a market for maca, a small turnip-like root that grows in high mountain areas, and that is believed to give a burst of energy, especially as a sort of natural Viagra.

This year a flood of buyers from China swooped into the Junin region of central Peru to buy up as much of the root as possible. That led to a tenfold increase in the price of maca, and in some cases even more, growers say.

Peruvian exporters say the frenzy to find maca has led to broken long-term supply contracts. Global natural-products companies say they are in danger of being pushed out of the market. Police say the aggressive demand has led to sometimes violent thefts of sacks of maca in Peru.

Sales of semiprocessed maca, dried and ground up on small farms and processing plants in the area, have boomed. The government of Peru has sounded the alarm bell that raw maca is also being smuggled out. Officials say the Peruvian maca is used to improve lesser-quality maca grown in China.

Peruvian regulations prohibit the export of unprocessed maca. Peru’s tax agency confirms it seized tons of unprocessed maca before it was smuggled out this year. Some of that was being sent to Asia alongside other prohibited products like sea horses and shark fins, officials said.

“They are not complying with export regulations,” Jorge Tejada, a maca specialist with the regional government in Junin, said of many foreign buyers. He estimates that 4.4 million pounds of maca was smuggled out this year.


Through September, the value of legal maca exports to China rose to $6 million, compared with $540,000 for all of 2013, according to Peru’s Ministry of Foreign Trade and Tourism. Exports to the U.S. were $5.5 million through September, versus $6.8 million for all of last year. An official with the Chinese embassy’s commercial section in Lima declined to comment on the rising demand for the root.Maca Peru1

More than a decade ago, the price for maca was so low that farmers might not even bother to harvest it. Now growers say they can sell a pound of maca root for about $13 or more, 10 times more than at the beginning of the year. Most maca is cream-colored. Growers say the coveted black maca can fetch about $45 dollars a pound.

For some companies in the U.S., there will be little or no maca available until next year’s harvest begins around midyear. Even then, local growers say that some of next year’s crop has already been bought by buyers from China.

Some maca is being grown in China, but buyers covet Peruvian maca, which has been grown for thousands of years in the virgin soil about 13,000 feet above sea level in the Junin region. Smaller amounts are grown elsewhere in Peru and in neighboring Bolivia.

In China, maca is being marketed as an alternative to ginseng, another highly prized root that has been used in traditional Chinese medicine as a health tonic and cure for male sexual dysfunction but has become increasingly scarce in the wild.

Consumers are already feeling the pinch in the U.S., where many people add maca powder to drinks or food. It is also commonly available in capsules or as a liquid extract used as an additive to tea or chocolate.


“The price of maca may have crossed a line. The extract market could collapse,” saidChris Kilham, a consultant with Naturex, a French health and nutritional ingredients provider.

Sevananda Natural Foods Market in Atlanta was out of bulk maca powder for most of September and October, said Betsy Abrams, a buyer for the food co-op. Ms. Abrams said she normally buys 25 pounds a month from distributors in the U.S. to keep up with customer demand, but she couldn’t find any recently.

“They’re real frustrated when they come in and see my jar upside down,” she said. “I say I just can’t get it because China is buying up the supply.”

Mark Arment, owner of The Maca Team, a maca dealer in Maryville, Tenn., said consumers in the U.S., Europe and Australia can expect to pay double for maca, compared with last year’s prices.

Mr. Arment, who sells up to 5,500 pounds of maca a month, said he can no longer find any black maca. Meanwhile he raised the price for sought-after red maca to $125 a pound in September, up from $84 a pound and expects to raise the price for red maca again this month to about $159 a pound.

“We’ll see what the market bears,” he said.

Maca Peru Maca Peru2

It is bad timing for Gaia Herbs, based in Brevard, N.C., which supplies maca products to Whole Foods Market Inc., Vitamin Shoppe Inc. and smaller retailers. It rolled out four new maca products in mid-October. Sales of two of Gaia’s maca products rose fourfold over the past year. Whole Foods and Vitamin Shoppe didn’t respond to requests for comment.

Bill Chioffi, vice president of global sourcing at Gaia, said the company had planned to buy about 120,000 pounds of maca this year from Peruvian growers, up from its initial purchase of 20,000 pounds in 2010, but says the latest prices are unsustainable.

Peruvian maca exporters are also wondering if they will be able to stay in business.

“Of all the suppliers we had long-term contracts with, none of them complied this year. The contracts are dead,” said Carlo Paulet, managing director of Natural Peru, the largest exporter of maca from Peru. He said the company expects to be able to buy about a third of the maca it wants this year.

“It is sad to see how this market that was built up over many years, and which was able to penetrate new markets, won’t be able to be sold in places like Wal-Mart or by other companies—if we don’t have the same access to supplies that we did before,” he added.

A 2010 literature review noted that maca was shown to enhance sexual function in some animal studies. In human trials, one study found that maca had no effect on male hormone levels, while another study found that it increased male sexual arousal.

Mark Blumenthal, executive director of the American Botanical Council, a nonprofit research organization, said there is a presumption that maca is safe to consume because it is a common food in the Andes.

In Carhuamayo, where generations of people have eaten the root, houses sport handwritten signs advertising maca, as there is no centralized market. With no banks in town, sales are conducted with cash.

Traditionally the maca grown in Junin is organic because insecticides aren’t used in the cold climate and chemical fertilizers are said to produce deformed roots—but that may change.

“What many people are looking for now is quantity, volume and not quality. They are using synthetic fertilizers,” said Dora Huaman Azapano, a grower in Junin.


Article on “The Wall Street Journal”

Matambre – Argentina

2 (2 lb) flank steaks
1⁄2 cup red wine vinegar
1 tea spoon finely chopped garlic
1 tea spoon dried thymeMatambre
3 cups beef stock
1 – 3 cup cold water
1⁄2 lb fresh spinach, washed, drained, and trimmed of stems
8carrots, scraped, cooked, 6 to 8 inches long
4hard-boiled eggs, cut into quarters lengthwise
1large onion, sliced into rings
1⁄4cup fresh parsley, finely chopped
ground black pepper (to taste)
1tablespoon coarse salt

Butterfly the steaks by slicing them horizontally from one long side to within 1/2 inch (1 cm) of the opposite side.
Pound the steaks between plastic wrap to flatten them further.
Trim of all sinew and fat.
Lay one steak cut side up on a 12×18-inch jelly-roll pan.
Sprinkle with half the vinegar, half the garlic, and half the thyme.
Cover with the other steak, also cut side up, and sprinkle with remaining vinegar, garlic, and thyme.
Cover and marinate for 6 hours at room temperature, or overnight in the refrigerator.
Lay the steaks end-to-end, in the direction of the grain of the meat, so that they overlap by about two inches.
Pound the overlapping area to join them securely.
Spread the spinach leaves evenly over the meat, and arrange the carrots across the grain of the meat in parallel rows about 3 inches apart.
Place the egg quarters between the carrots.
Scatter the onion rings over the meat, and sprinkle the surface with the parsley, salt and pepper.
Carefully roll the matambre with the grain, jelly-roll style, into a thick, long cylinder.
Tie at 1 inch intervals.
Place the matambre in a large casserole or roasting pan along with the beef stock.
Add enough cold water to come a third of the way up the roll.
Cover tightly and bake at 375°F for one hour.
To serve hot, remove the matambre to a cutting board and let rest for 10 minutes.
Remove strings and cut into 1/4 inch slices.
Moisten with a little pan liquid, which can also be served on the side.
Alternately, press the matambre under weights to until the juices drain off, refrigerate thoroughly, and slice as above.

Arepas – Venezuelan Cuisine Recipes


1 1/2 cups [tooltip text=”masarepa” gravity=”nw”]Masarepa is dehydrated cooked corn meal. It is available in the Latin section of most supermarkets. It comes in white or yellow varieties. It can be freely substituted with other brandslike Goya and P.A.N.[/tooltip] (Corn  meal)

1 1/2 cups water, plus more as necessaryArepas

1 teaspoon vegetable oil

Kosher salt

2 teaspoons butter

Fillings as desired, such as cheese, beans, shredded chicken, or Pulled Pork


Adjust oven rack to middle position and preheat oven to 325°F. Combine masarepa, cheese (if using), 1 cup water, and 1 teaspoon vegetable oil in a medium bowl and knead with hands until a dough is formed. Take a small amount and flatten it between your palms If the edges crack, knead in more water a tablespoon at a time until dough is supple and smooth but not sticky. Season dough to taste with salt, then cover and set aside for five minutes.

Divide dough into four even pieces and roll into balls. Working on a wooden cutting board or a regular cutting board with a sheet of plastic wrap or parchment paper on top of it, flatten each ball down to a disk about 4-inches in diameter and 1/2-inch thick.

Melt butter in a 12-inch cast iron or non-stick skillet over medium-low heat (see note #3 above). Add arepas and cook, moving them around the pan and rotating them occasionally, until first side is charred in spots and a dry crust has formed, about five minutes. Flip arepas and cook on second side until a dry crust has formed, about five minutes longer. Transfer to a baking sheet and bake until cooked through, about 10 minutes longer. Remove from oven, let rt 5 minutes, split, fill, and serve.

New Blue Bins Program in Airdrie

BlueBinsAirdrie City council approved the blue box curbside recycling at its meeting on Sept. 21

For some residents of Aidrie this is a good news and for others it is a waste of time and money.

I was long waiting for this said Jim a resident of the Hillcrest community.

“I think the blue bin program was supposed to be before the green as the green was not a necessary program. No too many neighbours use them as the blue bins would”.

Seventy per cent of Airdrie residents mentioned in different forms of surveys and public.

The capital cost to add an additional deport and introduce blue bin curbside recycling is $2,037,275 with operating costs of $2,239,522 (2017). As reported in the local newspaper Airdrie City View.


Marinera in the Snow

The love for Peru is more intense when we are far from this land. This video shows a young star that surprised Facebook social networking dancing in the popular “Marinera Norteña”.

Brenda Angela Herrera stole the applause of thousands of users to dance a Marinera Norteña in the snow in Canada, despite the cold that hit Canada at this time of year.

In the Facebook video appears Brenda dancing without shoes as they dance in Trujillo, Peru.

The recording was shared last Feb. 7 2014 on Facebook.

Brenda who lives in Toronto has captivated many Peruvians in social networks. Through Facebook, she was congratulated by people proud to show the world the beauty of the Marinera.

Source: LaRepublica.pe


Music War

Facebook post shared by Brenda Angela Herrera

VW Canada promotes customer incentives in wake of emissions scandal

Volkswagen Canada is offering incentives to attract customers and offset lost sales since its parent company admitted last month that it cheated on government emission tests on diesel-engine models.

Volkswagen says it is offering a choice of lower finance rates, lower lease rates and cash incentives on select vehicles until Nov. 2, 2015 VW scandal

“The incentives were implemented to support our customers and dealers during the period in which our TDI diesel sales remain suspended pending resolution of the recent EPA Notice (from the U.S. Environmental Protection Agency),” VW Canada’s spokesman said in an email.

The TDI diesel engines were available on a variety of Volkswagen models that accounted for nearly 22 per cent of VW Canada’s sales before Sept. 22 when the company told dealers to stop selling the models in question.

“That figure is now lower, as all sales since have been of gasoline powered cars,” Volkswagen Canada said Friday.

Source The Canadian Press,

One of The World’s Healthiest Foods – Quinoa

Researchers have taken a close look at certain antioxidantFB Quinoa [tooltip text=”phytonutrients” gravity=”nw”]( phytonutrients are natural compounds found in plant foods such as vegetables, fruit, whole grain products and legumes. These plant compounds have beneficial effects working with other essential nutrients to promote good health.) [/tooltip] in quinoa, and two [tooltip text=”flavonoid—quercetin” gravity=”nw”](Flavonoids are a group of plant metabolites thought to provide health benefits through cell signalling pathways and antioxidant effects. These molecules are found in a variety of fruits and vegetables.) (Quercetin is a bioflavonoid common in the plant kingdom, especially high in onions, red wine, and green tea. It is one of the most biologically active flavonoids. Quercetin acts as a potent polyphenol antioxidant and immune system modulator.* Many of its immune support attributes are enhanced by its synergistic relationship with vitamin C. Quercetin is highly active in the skin and lining of the digestive tract.* Quercetin has a stabilizing effect on the immune system, helping various types of immune cells maintain their composure under stress.)[/tooltip] and [tooltip text=”Kaempferol ” gravity=”nw”] (Kaempferol is one of the Bioflavonoids that is present in high levels in cruciferous vegetables, and may mediate some of the bioactivities of these plants.)[/tooltip] are now known to be provided by quinoa in especially concentrated amounts. In fact, the concentration of these two flavonoids in quinoa can sometimes be greater than their concentration in high-flavonoid berries like cranberry or lingonberry.

Recent studies are provide with a greatly expanded list of anti-inflammatory phytonutrients in quinoa. This unique combination of anti-inflammatory compounds in quinoa may be the key to understanding preliminary animal studies that show decreased risk of inflammation-related problems (including obesity) when animals are fed quinoa on a daily basis. The list of anti-inflammatory phytonutrients in quinoa is now known to include: polysaccharides like arabinans and rhamnogalacturonans; hydroxycinnamic and hydroxybenzoic acids; flavonoids like quercetin and kaempferol; and saponins including molecules derived from oleanic acid, hederagenin and serjanic acid. Small amounts of the anti-inflammatory omega-3 fatty acid, alpha-linolenic acid (ALA), are also provided by quinoa.


In comparison to cereal grasses like wheat, quinoa is higher in fat content and can provide valuable amounts of heart-healthy fats like monounsaturated fat (in the form of oleic acid). Quinoa can also provide small amounts of the omega-3 fatty acid, alpha-linolenic acid (ALA). Given this higher fat content, researchers initially assumed that quinoa would be more susceptible to oxidation and resulting nutrient damage. However, recent studies have shown that quinoa does not get oxidized as rapidly as might be expected given its higher fat content. This finding is great news from a nutritional standpoint. The processes of boiling, simmering, and steaming quinoa do not appear to significantly compromise the quality of quinoa’s fatty acids, allowing us to enjoy its cooked texture and flavor while maintaining this nutrient benefit. Food scientists have speculated that it is the diverse array of antioxidants found in quinoa—including various members of the vitamin E family like alpha-, beta-, gamma- and delta-tocopherol as well as flavonoids like quercetin and kaempferol—that contribute to this oxidative protection.

Source: whfoods.com

2015 Orchid Gala Dinner – Accpa

Accpa invites you to the Festival Gala 2015Come and enjoy a tremendous evening with family and friends. ACCPA will provide dinner, live band , entertainment and much, much more !

07 Nov 2015   6:00 PM to 1:00 AM

LocationACCPA Event

The Grey Eagle Resort & Casino. 3777 Grey Eagle Dr, Calgary AB T3E 3X8


Members – $50.00 (CAD)

non-member – $75.00 (CAD)





Carolina Paredes – Mortgage Architects

Logo - Carolina Paredes
Carolina Paredes – Apoyando a la comunidad Hispana

403 990 4817