Denver start-up brews beer-making innovation

Denver start up brews beer making innovationPatrick Tatera, founder of Denver-based Sustainable Beverage Technologies, says his patented process for making beer in a liquid concentrate form could help breweries cut costs and save water. Photo credit: Pat's Backcountry Beverages (Photo: Handout)As the craft brewing industry grows and competition increases, a Denver start-up is betting brewers will want technology that cuts costs and makes their operations more efficient.Early in 2015, Sustainable Beverage Technologies will introduce BrewVo, a patented process for brewing beer into a liquid…

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3 reasons why you just can’t stick to a budget

3 reasons why you just can't stick to a budgetA woman arranges U.S.dollar notes for this photograph on Thursday, November 30, 2006, in New York.Photographer: Stephen Hilger/Bloomberg News. ORG XMIT: BUDGET 12/6/06(Photo: STEPHEN HILGER, BLOOMBERG NEWS)When you turn on a financial television show, click on a financial website, or speak to a financial adviser, you’ll often hear about the importance of creating a budget, and sticking to one. And of course, they make it sound so easy. All you have to do are a few easy calculations, like allocating around 28% of your income to a housing payment (as if you didn’t already rent or purchase a home), spending no more than 10% on vehicles (too bad I just bought that Acura), and refraining from overspending. No big deal, right?Although these percentages and formulas are helpful for some people, they do not answer some of the million dollar questions: “Why am I always running short every month?” and “Why can’t I stick to a budget?”Even those who have inexpensive housing, transportation, and other recurring expenses relative to their income may have a hard time staying on financial track. As of earlier this year, at least 25 million middle class Americans were living paycheck to paycheck.

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