There are many myth surrounding culinary arts. For example people say culinary is an art and art cannot be taught. This is not true. First culinary is not just an art, its science too. You must know about ingredients you are using while cooking. You should also have through knowledge of contents of ingredients or additives you use to cook food. It helps you to be an informed chef.

Another myth is that culinary education is very costly. You see, any education is costly. Culinary is not an exception. But if you compare, a Bachelor of Engineering Degree is much more costly then a diploma/degree in culinary.

One of worst myths is that chefs live a great life - full of glamor and no work. This is not at all true. Most of a chef's time is spent in kitchen with hot oils and burning temperatures.

By James A. Gage

While many Americans realize that Social Security won’t provide them with enough income to get by, most people might not realize just how inadequate Social Security checks are. According to Social Security Administration average Social Security check today is for under $720.00 a month, which equals approximately 50% of averages retiree’s budget. The other percentages amount to this, 23% is attributed to ongoing employment, and final 27% represents Personal Savings /Investments.

In a study, Standard & Poors’ illustrated how Social Security benefits differ among individuals who were at various earnings levels before they quit working. Let’s look at some examples. Let’s say that John , Mary and Skip all retire at age of 65 in 2001. In their last full working year, John earned 20,000, Mary earned 40,000, and Skip earned 57,600. During their first retirement year, John received 8,988 from Social Security, which represents almost 45% 0f what he earned during his last year of work.

Mary, on other hand, received 12,768 from Social Security, or 32 percent of amount she earned in her last year before retirement. Skip collected 13,336 from Social Security, or just 23.5 percent of amount she earned in his last year of work.

As you can see, percentage of final year income that Social Security replaces declines for those who had higher income levels.