Welcome To ACEPESA

Esmeralda Arce Arias, was cofounder and president of the NGO American Association for Economy, Health and the Environment“, ACEPESA.

Since its ACEPESA and in partnership with other local, national and international sectors directed and orient their social vision programs for local development and specifically for the sustainable management of solid waste, ecological sanitation, rural tourism and management electronic waste, among others.

Since the beginning of the 90s, promoted organizational processes of micro, small and medium tourism business in Costa Rica and other countries in the region until Irlo becoming what is now known as rural tourism, always in alliance with sectors governmental and nongovernmental organizations. He was a strong advocate of converting Central America into a single tourist destination, by promoting economic and social development of urban, rural communities, indigenous groups and African descent.

He was a pioneer in promoting the national and Central area rural community tourism, obtaining the support of other sectors it was officially recognized by the Instituto Costarricense de Turismo, ICT, as the IV tourism product for the international promotion and recently declared useful public to the state. Continued until his last days developing an intense promotion of rural tourism in Central America.

Undoubtedly, Esmeralda contributed in the fight to eradicate gender discrimination, injustice and social inequalities, as well as in the protection and conservation of the environment. His memory is an example in these times of intense participation of society in democratic processes in the country.

Esmeralda knew how to live with great enthusiasm and human in the light of its values and ideals warmth, which always directed their personal and professional decisions.

He died on February 12, 2007 in a car accident on his way to meet his work with rural communities.

Using Gold In Your IRA Account

RetireMany people invest into IRA and Roth IRA accounts starting from young ages so they can plan for their retirement. Putting money into an account to grow as an investment and have available once you retire is becoming a more common practice as unemployment rates soar and financial stability is no longer promised in older age.

There are two different types of IRA’s: Roth and traditional. Roth IRA’s have some advantages compared to traditional IRA’s, such as:

  • Tax free when you withdraw instead of tax incentives when you contribute
  • Withdraw flexibility
  • No forced withdraws past age 70 1/2
  • Can continue to contribute even after retirement or age 70 1/2

When you open a gold IRA account, you get a tax deduction that year on the money that you invested. This is good for investors already in a high tax bracket. Roth IRA’s, however, don’t give you the immediate tax break, but the money you withdraw once you retire is generally tax free. This is good for younger professionals who are currently in a lesser tax bracket but will be in a larger one once they retire. You can also withdraw your money in case if disability or death or to buy a new house, up to a certain amount, without being hit with the large penalties traditional IRA’s cost you. Traditional IRA’s also force you to take payments past the age of 70 1/2, and also prevents you from investing any further, while Roth IRA’s have no age limit.

Due to these differences, Roth IRA’s are becoming more and more popular to people who aren’t certain what taxes will be like when they want to withdraw for retirement. But what about using gold in your IRA instead of cash? What advantages could this have for your future?

You can set up a transfer of money to gold through a mutual funds investor that does precious golds, or through a trustee that will help you set up a self-directed IRA. There are professional capable of helping you decide which gold to invest in, which companies to go through, and how to make sure to follow all the rules of investing with gold.

Investing with gold can help you avoid inflation was well as invest for retirement. The price of gold remains constant, if not increasing, when the price of the dollar can drop. Although you do not get to physically hang on to the gold, you are the sole owner and decision maker. Your gold will be held at an approved location once you invest in it, and it will remain there until you decide what to do with it. This insures you don’t lose money on your investment and your money is always there when it is time to retire.

Gold IRA investments are a good choice, but you have to make sure you follow the legal procedures. Talking to a trustee about transferring some of your investment to gold will help you understand this process more.

Your Guide to DIY Credit Repair

Bad Credit History?Repairing your credit can be done by you. In fact, you are the best person to accomplish this task. There are advertisements out there for credit repair services that claim they can either help you or do it for you, but save yourself money and do it yourself. The Federal Trade Commission reports they have no record of any legitimate credit repair operations. You can fix your credit rating with determined effort and time.

Know your rights.

You have the right to a free credit report if a company takes action against you. This would include; denying your application for credit, insurance or employment. You have to ask for the report within 60 days of action. Accurate information cannot legally be removed from your credit report, if you find this has been done you can request an investigation. The same would be true if incorrect negative information is listed, this can also be investigated.
Disputing mistakes does not cost anything. The company responsible for the mistake and the credit reporting company are both responsible for fixing mistakes. To exercise your rights, contact both parties. Some do hire companies to investigate for them, but anything they can do, you also can legally do.

Steps to fix your credit report.

First step is to advise, in writing, the credit reporting company what you think is a mistake. Tell them the facts and send copies of any proof you have and circle on the report the items you dispute. They have 30 days to check into your claim. If they agree with your dispute, they must notify the nationwide credit reporting companies to clear your name. If they don’t agree with you and the dispute remains on file, you have the right to put the dispute in your files.

Second step is to tell the creditor or person providing the information that you are in the process of disputing. In writing also tell them what your dispute is and provide copies of any proof you have.

Negative Information

If the negative information on your report is accurate, time is the only thing that can make it go away. This information can stay on your files for seven years, bankruptcy for ten years. The seven year reporting time starts the day the event took place, unless it is a regarding a criminal conviction for which there is no time limit.

Credit Repair Organizations Act

The Federal Trade Commission enforces the Credit Repair Organization Act (CROA) which makes it illegal for a company to lie to you about what they can do. They also cannot charge you unless their service has been performed. They have to explain to you:

  • how long it will take them to find results
  • the total they are going to charge you
  • details of the service they will provide (in a contract form)
  • any guarantees they can offer

If you take the route of using a credit repair service and they do not come through with legitimate service you can report them to your State Attorney General. A bad credit report doesn’t mean you can’t get credit. Creditor’s all have their own evaluating system, so you may be able to receive credit, especially if you show signs you’ve improved your bill paying methods.

Resources:

How To Get Psychic Readings in Bangkok Thailand

bangkokI currently live in Bangkok, Thailand; a city and a country where going to a fortune teller for psychic readings is something just about everyone does at one time or another. After all, when you have a belief in karma and reincarnation, you want to make sure you are living your life in the right way. A Thai fortune teller can help you do that.

So popular are psychic readings in Thailand, you will often find fortune tellers sitting in small booths waiting for their next customer in the lobby of supermarkets, outside Buddhist temples or just set up at a table on the street. Even Thailand’s current prime minister, General Prayuth Chan-ocha, gets advice from fortune tellers and is not ashamed to admit it.

If you are planning on visiting Bangkok, and would like to consult a Thai fortune teller while you are here, is that something you can actually do? Or would not being able to speak Thai be a hindrance when it comes to getting your own psychic reading?

How to find a fortune teller in Bangkok

While it can be difficult to find a fortune teller in Bangkok who speaks English, it is not impossible. The easiest way to do so is to spend time in the tourist areas of the city, around the Silom or Sukhumvit area, as these are the places where many Thais have better English skills. Look for people sitting at small tables on the sidewalk, or on a blanket on the ground. If they speak English, they will usually have a sign displayed informing you of that fact.

Also, check at the entrance of some of Bangkok’s largest temples. Temples like Wat Po or Wat Phra Kaew. Again, any fortune teller doing psychic readings close to these temples will often speak English or, if not, will have a translator close by who can.

The cost of getting psychic readings in Bangkok

For many non-Thais who visit Bangkok, the cost of a psychic reading in Thailand’s capital city is often a surprise. For a 15-minute reading, prices can be as low as 100 baht, which is approximately $3, and go up to 300 baht or $10 for one of the more famous ones. At local markets, you can sometimes even find a fortune teller for as low as $1.50, although it would be unusual for them to be able to communicate in English.

Are Thai fortune tellers good?

Some westerners see Thai fortune tellers and do nothing but make fun of their psychic readings, calling them a ‘scam’ or worse.

In reality, many Thai fortune tellers are very good at what they do and, as they are believed by the majority of the Thai population, it only makes sense that they must be correct more often than not.

So, the next time you visit Bangkok, why not try your luck with an accurate psychic reading from a Thai fortune teller? You may just be surprised at what you discover.