mba August 2002

mba@thebarn.com

27 participants
50 discussions

by David H Berg

Hey all-- Just a quick note to let you know the ABR is shaping up quite well this year. We've recently added Yellowstone Valley Brewing to the list and I received a message from Big Sky today. The festival is taking on a life of its own! If you haven't purchased tickets yet, I'd advise you to do it soon. I'd hate for anyone that went last year to miss out. Keep an eye on our website for more breweries--- http://www.mncraftbrew.org Cheers! David Berg President, Minnesota Craft Brewer's Guild Head Brewer, Water Tower Brewing Company ________________________________________________________________ GET INTERNET ACCESS FROM JUNO! Juno offers FREE or PREMIUM Internet access for less! Join Juno today! For your FREE software, visit: http://dl.www.juno.com/get/web/.

23 years, 3 months

kuehl leaves cargill, moves to mid america

by Kelly Kuehl - Mid America Brewing Supply

Please feel free to forward the following news as you see fit. I am extremely excited about taking an ownership role in Mid America and I am very much looking forward to continuing and fulfilling my business vision. Kelly Mid America Brewing Supply, a Minnesota based wholesale distributor of brewing ingredients is pleased to announce the appointment of Kelly J. Kuehl as Director of Products of Brands. Kuehl recently resigned his position as Sales Manager of Cargill Malt’s Specialty Malt division where he had that position for the last six years as an employee of Schreier Malting and later Cargill Malt. “I’m very excited about the opportunity that has been presented to me,” said Kuehl. “Mid America’s success has been built on their commitment to customer service and their ability to deliver everything the brewer needs, all bundled on one shipment. It’s their ‘big enough to serve you, small enough to care’ philosophy that really drew me to this position. Mid America recently signed an exclusive importing agreement with Simpson’s Malt from the UK. Coupled with their distribution of the malt product lines from Briess, Cargill, Crisp, Dingemans, Gambrinus, Great Western, Meussdoerffer, Minnesota Malting, Pauls and Weyermann, Mid America has become a one-stop malt resource. The company also inventories a full range of hops from Hop Union and a wide range of brewing and filter aids. Kuehl may be reached in his Minneapolis office at 952-881-6601 or by e-mail, kelly(a)midamericabrewing.com. Mid America Brewing Supply is based in Kasota, MN. Inquiries may be directed to Tom Hall, Managing Partner, at 1-800-374-2739.

23 years, 3 months

Personal Finance: Take Back Your Finances

by The Motley Fool

======================== THE MOTLEY FOOL ======================== PERSONAL FINANCE Wednesday, August 14, 2002 jellings(a)me.umn.edu ================================================================= IN THIS ISSUE - DAILY Q&A: Look Before You Give http://www.fool.com/m.asp?i=701873 - YOUR MONEY: Take Back Your Finances http://www.fool.com/m.asp?i=701874 - SPOTLIGHT: Make Your Money Matter http://www.fool.com/m.asp?i=701875 - COMMUNITY TIPS: Pay Off Student Loan or Buy a House? http://www.fool.com/m.asp?i=701876 ================================================================= ADVERTISEMENT BY: MBNA MBNA offers a preferred yield of 3.56% on 24-month CDs for Fools. Make your savings work for you with the security of FDIC-Insurance up to $100,000 per depositor. Other terms available. http://www.lnksrv.com/m.asp?i=701877 ================================================================= DAILY Q&A Q. WHAT ORGANIZATIONS OFFER REPORTS AND INFORMATION ON CHARITIES? I'D LIKE TO LEARN MORE BEFORE I DONATE MY MONEY. A. Here are the main industry watchdogs: The American Institute of Philanthropy: This outfit rates several hundred charitable organizations, focusing on their finances. You can order their Charity Rating Guide & Watchdog Report for $3. http://www.lnksrv.com/m.asp?i=701878 The Better Business Bureau (BBB) Wise Giving Alliance: This organization rates hundreds of charities and can help you learn which ones may be spending too much of the money they receive on things like fund-raising or office parties. It offers a free Wise Giving Guide and will send you a free in-depth report on any single charity. http://www.lnksrv.com/m.asp?i=701879 GuideStar: This outfit offers you access to tax filings of hundreds of thousands of charities. Its mission is "to revolutionize philanthropy and nonprofit practice with information." http://www.lnksrv.com/m.asp?i=701880 Full Answer: http://www.fool.com/m.asp?i=701881 ----------------------------------------------------------------- YOUR MONEY TAKE BACK YOUR FINANCES If you've noticed a little sweating and fretting on the part of CEOs and CFOs around the country, it might be because Aug. 14 is coming. That is the day by which top executives of the 945 biggest companies must begin personally certifying the accuracy of their companies' financial statements, as mandated by the SEC. "Rightly so!" we all say. We demand a prudent use of resources, a tight rein on spending, and a track record of steady growth. It makes sense to expect such discretion from the stewards of our investments and, indirectly, our economy. Shouldn't we expect the same thing from ourselves? Let's start with how much money you're spending. Two words: cash flow. In other words, ask yourself "Where does all my money go?" There are many ways to track the flow of your dough, such as reviewing your bank statements from the last three to six months and calculating how much you spent on various categories, like food, shelter, insurance, and -- perhaps the most telling of all -- "Junk I bought but never used." We know that exercise will prove informative, but we also know it takes a chunk of time. So, try this: 1. Just for a day, record every transaction. 2. Carry a piece of paper in your pocket and make a note of every time a greenback or a credit card leaves your wallet. 3. At the end of the day, project the annual cost of each expenditure by multiplying it by 365. For example, let's say you go out for lunch, which costs you $7. If you did that every day of the year, you would be spending $2,555 annually. Keep in mind that this is after-tax money, so if you're in the 27% tax bracket, you'd have to earn more than $3,500 to have $2,555 to spend. If you earn $40,000 a year, this means that almost 9% of your income went to lunch. We recognize that analyzing just one day's worth of purchases provides limited information. If you have the inclination, keep an eye on a week's worth of spending, then multiply by 52 -- or even a month's. But we think that even a day's worth of money monitoring will be enlightening. (If you have your own ideas about how to scrutinize your spending, let us know on the Fools and Their Money discussion board.) http://www.fool.com/m.asp?i=701882 ----------------------------------------------------------------- SPOTLIGHT MAKE YOUR MONEY MATTER This is the final week to try out TMF Money Advisor one month for free. For those of you who don't already know (because you've been vacationing on Mars), TMF Money Advisor is our service that provides unbiased financial advice about your specific money issues. That's right; no conflicts of interest, no commissions, and no hogwash. It's worth a try, don't you think? http://www.fool.com/m.asp?i=701883 ----------------------------------------------------------------- COMMUNITY TIPS PAY OFF STUDENT LOAN OR BUY A HOUSE? It's hard to sort through which debt you can live with and which debt is a huge NO. A community member recently asked about the value of student debt: So -- should I pay off the student loans -- in which case it would delay us buying a home for about two more years until we saved enough for a down payment (assuming a 20% down payment). Or should I use the windfall to get into the investment of a house as soon as possible? Fool community member David Jacobs shared his opinion on the Buying and Selling a Home discussion board: http://www.fool.com/m.asp?i=701884 You've really asked two questions. The first question is whether you should retire your student loan debt. Whether you should retire your loan has two parts. The first part is whether you can earn more by retiring your loan than you can by investing that same money someplace else. Since your student loan is a 7% loan, you can immediately earn a guaranteed 7% return by retiring that loan. I haven't been following the story on whether interest on student loans is tax deductible, but if it ISN'T, then your guaranteed return is higher because your 7% return is tax-free. The second part of retiring your loan is the effect on your credit rating. If your student loan is your only form of credit (unlikely, but possible), then you may want to keep that loan so you can pay it down regularly and responsibly, which will demonstrate to mortgage companies that you have the discipline to pay down your mortgage regularly and responsibly. On the other hand, when mortgage creditors look at you, they're going to want to keep all your credit payments, including mortgage, credit cards, and student loan, less than about 1/3 of your gross income. If you're paying $200 per month on a student loan, that's $200 per month less that's available for a mortgage payment. $200 per month easily could be the difference between a satisfactory house and a nice house. The second question is whether you should buy a house. Statistically, homeowners must own their homes for five to seven years to break even on closing costs (both buying and selling) when they eventually sell their homes. Between your career and your family, your housing requirements PROBABLY will change dramatically over the next few years. So the bottom line is unless you find a fantastic deal on the absolutely perfect house, I recommend you hold off buying a house until your career and family plans settle. You mentioned housing prices in your area are increasing at 8-10% per year. Statistically housing price increases match inflation, which is historically around 4% per year, and for the last few years has been more like 3% per year. You're probably seeing the effects of a housing bubble in your area. That's great if you happen to be lucky enough to ride the bubble up, but when the bubble bursts you can find yourself trapped in a house you can't sell. Read the full post -- and contribute to the discussion -- on the Buying and Selling a Home discussion board. http://www.fool.com/m.asp?i=701885 ================================================================= ADVERTISEMENT BY: MBNA MBNA offers a preferred yield of 3.56% on 24-month CDs for Fools. Make your savings work for you with the security of FDIC-Insurance up to $100,000 per depositor. Other terms available. http://www.lnksrv.com/m.asp?i=701886 ================================================================= My Portfolio: http://www.fool.com/m.asp?i=701887 My Discussion Boards: http://www.fool.com/m.asp?i=701888 DO YOU HAVE WHAT EVERY FOOL NEEDS? Find out here. Hint: They save you time and money. http://www.fool.com/m.asp?i=701889 LOOKING FOR MORE MONEY TIPS? Our free newsletters make even the most difficult topics easy. Could our other offerings give you the edge or information you're looking for? http://www.fool.com/m.asp?i=701890 UNSUBSCRIBE Here's how to unsubscribe or change your settings. http://www.fool.com/community/freemail/freemaillogin.asp?email=jellings@me.… _____________________________________________________ Copyright (c) 1995-2002 The Motley Fool. All rights reserved. Legal Information: http://www.fool.com/m.asp?i=701891 ****** Email Powered by IronPort Systems ironport.com

23 years, 3 months

CALL FOR JUDGES: AUTUMN HOME BREW REVIEW Sept 5-7, 2002

by allan.boyce＠usbank.com

SECOND CALL! JUDGES URGENTLY NEEDED! THE AUTUMN HOME BREW REVIEW! Minneapolis, Minnesota (in conjunction with the AUTUMN BREW REVIEW - a craft beer festival) Judging: Sept 5-6, 2002 Awards Ceremony: Sept 7, 2002 1:30pm - Autumn Brew Review, Mpls Categories: All BJCP categories, including Cider and Mead For more information, go to: http://www.mnbrewers.com/events/autumn/ For info on the AUTUMN BREW REVIEW: http://www.mncraftbrew.org/page3.html NOTE: If you can help us judge, register ONLINE at http://www.mnbrewers.com/events/autumn/ or contact Al Boyce at alboyce(a)bigfoot.com.

23 years, 3 months

European beer report

by popice＠juno.com

Hi all, I don't think I sent this link to this list yet, but if I did I apologize. My wife and I recently spent a few weeks in Europe. We had a great time. I took some notes as I tasted many great Belgian and German beers. I took some pictures as well. When I got home I compiled a beer report that you can view here: http://www.geocities.com/donaldrobertosborn2/beerreport.htm Or you can go straight to the general page with lots of pics and stories about the places we visited: http://www.geocities.com/donaldrobertosborn2/europemain enjoy, Don ________________________________________________________________ GET INTERNET ACCESS FROM JUNO! Juno offers FREE or PREMIUM Internet access for less! Join Juno today! For your FREE software, visit: http://dl.www.juno.com/get/web/.

23 years, 3 months

FYI - Summit Contest - Trip to Germany

by Betsy Kremser

9 p.m. Thursday, Aug. 15, 2002 Sally's Saloon, 712 Washington Ave. SE, MPLS (UMN campus) Thursday night is the last qualifying round in the contest to go to Germany for a week with Mark and Horace from Summit Brewing. The qualifying round includes a trivia contest, beer identification contest, coaster tossing contest and best-toast contest. The contest details and rules (i.e., the legal jargon) are on Summit's web site under "Events".

23 years, 3 months

FW: Beer may be good for you

by Crist, Jonathan

> <<Beer may be good for you.url>> > > http://www.msnbc.com/news/793342.asp?0si=- >

23 years, 3 months

Barley????

by Rick Oftel

Does anyone know of a field or a friendly farmer who is growing some barley that hasn't been harvested yet? I would like to harvest a very small bunch for a future display. Thanks

23 years, 3 months

Fw: [phc-club] Cokato Revisited

by Susan Ruud

----- Original Message ----- From: "Ray Taylor" <rtaylor(a)ndsuext.nodak.edu> To: <phc-club(a)yahoogroups.com> Sent: Friday, August 09, 2002 6:36 AM Subject: [phc-club] Cokato Revisited A few final thoughts on Cokato... The annual All Club Campout finished up less than a week ago. I have had the opportunity to attend every one of these events since our first gathering up in Duluth over a decade ago. We have been treated to a wide range of climatic conditions during these camping outings, from oppressive heat to Minnesota thunderstorms. We even have had some excellent weather some years. I would have to say that the weather last week was the worst we have ever experienced at the campout. We have never seen wind and rain like that. On that note, I'd like to commend Mick Moranz and the rest of the MhBA crew for hosting the campout and cooking up a fabulous meal under very trying circumstances. Despite the weather, I think we can all look back in retrospect and agree that we had a lot of (wet) fun. It was unfortunate that some of us were forced to leave the site a little earlier than planned this year but things can only improve in 2003. It doesn't take much to keep homebrewers happy, a few kegs of fresh beer, a few commercial products and a lot of good friends. We had those items and enjoyed them all. I have a slide show of some of the photos I snapped over the weekend in my public folder on the Internet. If you would like to have a look, you can access the file at: http://homepage.mac.com/raytaylor/MacShared/FileSharing7.html Note: This is a large file (8.7 mb) so it will take a long time to capture it with a modem hookup. It is in QuickTime format. If you don't have QuickTime you can download a free copy at: http://www.apple.com/quicktime/download For those of you who choose to operate under the Microsoft banner, there is a Windows friendly version of the player at that location too. CHEERS! Ray Ps. In case anyone doubts that we actually did have fun last weekend.... I did see a lot of smiling faces as we struggled to wrestle our tarp roof from the driving wind and rain!

23 years, 3 months

Next WestSide Meeting: 8/22 (Thursday) Hops

by Will Holway

Hi, We are having the next meeting at Hops in Eden Prairie, starting at 7:00 pm (Thursday, 8/22). Last time, Bob proved to be an outstanding host, so those showing up should be prepared to be treated very well. And feel free to bring your homebrew to. Here is a map to Hops: "http://www.uswestdex.com/servlet/ActionServlet?pid=singlemappingresults&mq=… Cheers WH __________________________________________________ Do You Yahoo!? Yahoo! Health - Feel better, live better http://health.yahoo.com

23 years, 4 months

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mba August 2002