Ramsey’s Total Money Makeover & Brown Cow Yogurt

ByJohn Brown

Wear some financial underpants

I graduated from BYU with a Master’s degree in accounting. BYU’s accounting program is regularly ranked as one of the top three schools in the nation.

Whoa. Go, John. I ought to be some kind of financial superstar, right? You’d think I would have come out of that program with all my crap put together, living within my means, investing wisely, making a bundle of moo-lah. I’d have a tidy stash.

Yeah, nope.

That program taught me how to account for money, but not how to use it. Or maybe I was just too dumb to get it. We came rolling out of school with thousands of dollars of debt. So instead of graduating and building our wealth, we worked to pay off the man.

Dumb, dumb, dumb.

I can tell you right now my daughters aren’t going to do the same. They will pay as they go. I’m not co-signing any loans. They’re not going to use credit cards. If it takes them a few years longer to graduate, then it takes them a few years longer.

But they’ll be free when they finish. No shackles for my girls.

I always thought it was a good idea not to send them out into the world without underpants. Or knowing how to brush their teeth. It’s equally important I don’t send them out there not knowing how to build wealth and reap all the security and peace that comes with it.

This is why every child of mine is going to get a copy of Dave Ramsey’s The Total Money Makeover. It’s a goofy title, but the principles in it are sound. I can’t tell you how much I wished I’d known and followed the steps he outlines there on how to build wealth when I was just starting out.

  1. Save $1,000 in an emergency fund
  2. Pay off all your debt except the mortgage using the debt snowball (and don’t go into debt)
  3. Complete your emergency fund by saving three to six months’ expenses
  4. Maximize retirement investing
  5. Save for your kids’ college
  6. Pay off the home mortgage early
  7. Build wealth and give like crazy
  8. Live like no one else

The book starts out by talking about the debt myth, i.e. debt is a great tool and should be used to create prosperity. Sometimes a little debt can be helpful. But in the vast majority of cases “debt adds considerable risk, most often doesn’t bring prosperity, and isn’t used by wealthy people nearly as much as we are led to believe.” Ramsey goes on to say, “Your largest wealth-building asset is your income. When you tie up your income, you lose. When you invest your income, you become wealthy and can do anything you want.  How much could you give every month, save every month, and spend every month if you had no payments? Your income is your greatest wealth-building tool, not debt. Your Total Money Makeover begins with a permanently changed view of the Debt Myths.”

After tackling debt, Ramsey outlines other money myths and wealth-destroying attitudes and then explains each of the principles of the steps outlined above.

I love this book so much it’s part of my gift package to every couple that invites me to their wedding reception. I hope those new couples follow his recommendations. It will bring them peace. If you want to give your children the gift of financial peace, if you want that peace yourself, I recommend you buy this book today and start following those baby steps. You can get the book for a mere $10 bucks at his website http://www.daveramsey.com.

While you’re waiting for it to come, you might want to go over to Larry Correia’s site (another accountant and fiction author), and read his hilarious comments on some real folks who actually were sent out without any financial underwear: http://tinyurl.com/3zx9tbo.

Thick and Creamy

I love thick, creamy yogurt.

Mix it with some raisins or fresh fruit, and I’m in heaven.

The problem is that most of the yogurt on the shelves today is weird Splenda- or NutraSweet-filled crap. Or it’s full of sugar. And none of it has that thick mouth feel.

I had some great yogurt up in Oregon a few years ago, but could never find anything like it here. Then a little while ago I hit the jackpot.

Hello, Brown Cow Greek Yogurt.

Thick. Oh, baby is it thick. Creamy. And full of goodness: 23 grams of protein, 9 grams of sugar, 0 grams of fat, and active cultures of more of our belly friends than any other yogurt I’ve found—give a big welcome to S. Thermophilus, L. Bulgaricus, L. Acidophilus, Bifidus, and L. Casei.

I get the plain style. This allows me to mix it to my taste with fruit, granola, or a little bit of sugar or honey.

If you’ve been looking for some good yogurt, let me recommend Brown Cow.

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  • 2 Great Cook’s Country Recipes

    ByJohn Brown

    Yeah, I know–I should be writing. But I promised you two wonderful recipes from my experiments with the Cook’s Country June/July 2011 issue. There were a whole bunch of other recipes we tried that worked out well, but these were our favorites and good enough to get me to subscribe.

    By the way, I found these recipes were not only tasty, but they were great to do on a date (in this case, with my daughters). Why just eat when you can enjoy the time together as well?  Besides, two people working together make these recipes a breeze.

    Chocolate Eclair Cake

    Chocolate, vanilla pudding, whipped cream, and graham crackers–baby, is this good!  I found I liked the cake best with HALF of the pudding and whip cream mixture. You’ll see the half amounts in parentheses. That way I got a taste of the pudding, graham, and ganache in every bite. The directions make it look like there’s a lot of steps, but they all go quickly.

    INGREDIENTS

    Pudding Mixture

    • 1 ¼ C sugar (1/2 + 1/8 C)
    • 6 T cornstarch (3 T)
    • 1 tsp salt (1/2 tsp)
    • 5 C whole milk (2.5 C)
    • 4 T unsalted butter cut into chunks (2 T)
    • 5 tsp vanilla (2.5 tsp)

     Whip Cream Mixture

    • 2 T water (1 T)
    • 1 ¼  tsp unflavored gelatin (1/2 + 1/8 tsp)
    • 2 C heavy cream (1 + ¼ +1/8 C)

    Graham Crackers

    14 ounces of Nabisco Honey Maid graham crackers

    Ganache topping

    • ¾ C  heavy cream
    • 1 C semisweet chocolate chips
    • 5 T light corn syrup

     DIRECTIONS

     Make Pudding

    1. Combine sugar, cornstarch, and salt in large saucepan
    2. Wisk milk into sugar mixture and bring to boil over medium-high heat, scraping bottom with rubber spatula.
    3. Immediately reduce heat to medium-low and continue to cook and scrape until thick bubbles appear on surface, about 4-6 minutes
    4. Take off heat and wisk in butter and vanilla.
    5. Transfer hot pudding to large bowl and place plastic wrap directly on surface.
    6. Refrigerate for about 2 hours until cool.

     Make Whip Cream Mixture

    1. Stir water and gelatin together and let sit for 5 minutes.
    2. Microwave until gelatin dissolves and mixture gets bubbly around the edges, 15-30 seconds
    3. Whip 2 cups of cream on medium-low for about 1 minute, until foamy.
    4. Increase to high and whip for 2 minutes, until soft peaks form
    5. Add gelatin mixture and whip for 1 minute, until stiff peaks form

     Combine Pudding and Whip Cream Mixture

    1. Wisk one-third of whipped cream into chilled pudding.
    2. Fold remaining whipped cream into pudding.

     Layer Pudding Whip Cream Mixture with Graham Crackers

    1. Line bottom of 13 x 9 inch baking dish with a layer of graham crackers. Break and cut crackers if you have to.
    2. Top the bottom layer of crackers with ½ of the pudding whip cream mixture
    3. Place another layer of crackers over the pudding.
    4. Top that layer with the rest of the pudding whip cream mixture
    5. Place one last layer of crackers over the second layer of pudding whip cream mixture

     Make Ganache and Pour Over

    1. Microwave chocolate chips, ¾ C cream, and corn syrup in bowl 1-2 minutes, stirring occasionally.
    2. Cool for 10 minutes to room temperature
    3. Cover top layer of graham crackers with glaze
    4. Refrigerate cake for 6 – 24 hours. Then serve.

     

    Dill Potato Salad

    A potato salad with a perfect dill zing. Everybody in the Brown household loved this. Super wife especially loved it because she does not like eggs. Please note that there’s fresh dill used in all three parts. So when you shop, make sure you get enough for all three.

     INGREDIENTS

     Dill Vinegar

    • ¼ C white wine vinegar
    • 1 T minced fresh dill

     Boiling Mixture

    • 1 disposable coffee filter
    • ½ C coarsely chopped dill leaves and stems
    • 3 pounds Yukon Gold potatoes (don’t get any other type), peeled and cut into ¾ inch pieces
    • 1 T salt

     Dressing

    • ½ C mayonnaise
    • ¼ C sour cream
    • 1 T Dijon mustard
    • ½ tsp salt
    • ¼ tsp pepper
    • 2 T minced fresh dill
    • 3 scallions (green onions) green parts only sliced thin

     DIRECTIONS

     Make Dill Vinegar

    1. Combine vinegar and 1 T minced dill in bowl and microwave until steaming, 30-60 seconds
    2. Cool at room temperature for 15-20 minutes

     Boil Potatoes

    1. Place chopped dill inside disposable coffee filter and time with thread.
    2. Put potatoes, dill sachet, and salt into large pot with enough water to cover the potatoes by 1 inch.
    3. Bring to boil on high heat then reduce heat to medium and simmer until potatoes are tender, 10 minutes

     Cool and Soak Potatoes

    1. Drain potatoes thoroughly and throw away dill sachet
    2. Drizzle 2 T of the dill vinegar over hot potatoes and gently toss until evenly coated
    3. Refrigerate until cooled, 30 minutes. This allows the Yukon potatoes to suck up the dill vinegar.

     Make dressing and Combine with Potatoes

    1. Wisk mayonnaise, sour cream, remaining dill vinegar, mustard, salt, and pepper until smooth
    2. Add dressing to cooled potatoes
    3. Stir in scallions and 2 T minced dill.
    4. Cover and refrigerate to let flavors meld, 30 minutes.
    5. Serve with salt and pepper to taste.

     EDIT 9/7: Somehow I deleted four of the dressing ingredients when I posted. They’ve been added back 🙂

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  • Good Stuff! Extinct, RadioWest, and Ruca’s

    ByJohn Brown

    I’ve been looking forward to watching Extinct, a brand-new TV series. I watched the pilot with my wife and teenage daughter, and we enjoyed it. I watched the next episode, and then a few days later couldn’t help but binge-watch three more. And I’m happy to report it’s full of good stuff and interesting stories.

    First of all, it starts with a killer concept. Aliens invade earth and wipe us out, but that’s been done to death. This story doesn’t start there. This story is set four hundred years in the future after the extinction of the human race, when a small group of humans is revived by an alien civilization.

    But this isn’t Star Wars, Star Trek, Blade Runner, Battlestar Glactica or anything like that. It feels more like the TV series Lost or The Maze Runner. The heroes are three humans who have been brought back and are trying to figure out what’s happening and how to survive in a place that’s low tech and is the home to a dangerous band of other humans that were also brought back. They’re dangerous, by the way, because they have been taken over by spores that latch other their nervous system and use their bodies as a host.

    This series transports you to a world of cool tech and alien stuff like the sparks that regenerate the humans in pools of water, two interesting drones, and alien ruins and glyphs. But the best part about this isn’t the spectacle of the technology. It’s the stories. There’s suspense and action, but also mystery and a lot of stuff that’s human and warm and, surprisingly enough, thought-provoking.

    We try to hold a family night once a week to have fun together and discuss important topics. And I can see us easily watching one of these episodes and finding ourselves in a deep discussion about free will, or the creation, or whether Duncan, one of the skin riders, looks like someone right out of The Hobbit.

    I liked episodes one and two, but it was episode three that kicked it into high gear for me. If you liked Lost or The Maze Runner or the series Once Upon a Time, I think you’ll really enjoy this. Right now you can stream the first eight episodes for free from byutv.org/extinct or extinct.tv.

    EDIT: I just finished episode 8. I really like this series.

    #

    Do you like listening to interesting ideas? If so, you will love tuning into RadioWest. It’s a daily program from KUER in Salt Lake City that features hour-long interviews of folks who are experts on some of the most interesting things or have an interesting story to tell.

    Doug Fabrizio is the host and has to be the best interviewer on the planet. I love his voice, but it’s his skill in drawing out the fascinating meat of the topic from his guests is what sets him apart. And unlike some interviewers who don’t even read the books they’re talking about, you can see that Fabrizio has done his homework. He’s really thought about what they have to say.

    For example, just this last week, I got to listen to compelling interviews of (1) Tom Christofferson, the gay brother of Elder Todd Christofferson, a Mormon apostle, (2) Ben Shapiro, an orthodox Jew who is an up and coming voice on the Right and was recently protested at Berkeley and the University of Utah, and (3) science writer Ben Mezrich who has written a book about the scientists and researchers who are trying to bring back the wooly mammoth.

    Week after week, Fabrizio brings amazing people and ideas into my car and home. You can listen to his interviews every morning at 11 a.m. and 8 p.m. on the radio at FM 90.1 (Salt Lake Area), FM 90.5 (Logan and Bear Lake), and FM 88.3 (Randolph and Woodruff). Or you can listen live online at radiowest.kuer.org, which is also where they keep all the recordings so you can catch up on any you miss.

    #

    New restaurants come and go all the time in Garden City, Utah. Most of them don’t last more than a few seasons. Often this is because they charge lots of money for food that’s really not worth it. So it’s with great delight that I tell you about Ruca’s, a little spot on the block between the city park and Bear Lake Pizza on the main drag.

    Not only are the prices reasonable, but the food is delicious. They have sandwiches and other stuff, but we have gone back multiple times for their ebleskivers (AY-bill SKEE-vurs). These are Danish pancakes in the shape of a ball that can be filled with all sorts of stuff. My wife and daughter love the ones filled with peaches and the others filled with Nutella and strawberries. I like the savory ones filled with bacon and cheese with eggs on top.

    They’re going to be closing up for the winter, so if you want some great food for a great price, get over there now and enjoy a new delight.

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  • Donald Rumsfeld, The King’s Speech, Aquatic Ancestor Apes & Talking Bacteria

    ByJohn Brown

    Donald Rumsfeld

    I just finished Known and Unknown, a fat memoir by Donald Rumsfeld, and enjoyed every page.  Rumsfeld served as the Secretary of Defense under George W. Bush.  But Rumsfeld’s service didn’t start there. He was a Navy pilot, an assistant to a congressman during the Eisenhower days, and, in the early 60’s, a four-term congressman from Illinois.  He held various positions in the Nixon White House in the late 60’s and early 70’s, including ambassador to NATO.  He was Chief of Staff and Secretary of Defense when Ford took over from Nixon.  Reagan tapped him to be a special envoy to both the Middle East after the Beirut bombing and to the Law of the Sea treaty discussions.  He was the president of Searle, a pharmaceutical, as well as General Instrument, the company that pioneered HDTV.  Only after all that, did George W. Bush bring him on as Secretary of Defense.

    When writing novels, I try to create characters worth knowing, either because of their interesting personality or skills or because of the events they take part in. Donald Rumsfeld is just such a character, except he’s no fiction.

    In his memoir he shares insider information on everything from Watergate to 9/11 to the war in Iraq. What emerges is a fascinating look into many of the most important events in the last forty years.  You’ll get insight into some of the issues experienced in various White House administrations and see what really was going on with waterboarding, Guantanamo, Abu Ghraib, hurricane Katrina and many other of the hot button issues in the Bush years. There are some laugh out loud moments where his understated humor shines through. There are also parts where he reveals some of his differences with others that worked with him in the various administrations, including issues with Nelson Rockerfeller, Colin Powell and Andy Card. But in everything he writes he’s fair and restrained and attempts to present the facts accurately. This is no attempt to settle scores.  Just a wonderful read.

    If you are interested in politics at all, I think you’ll enjoy this book. Moreover, I think you’ll come out a little wiser, maybe a little better person, for having spent a few hours with Donald Rumsfeld.  

    The King’s Speech

    I do not watch many r-rated movies.  They are usually too vulgar or pornographic for my prissy tastes. However, I did my research on The King’s Speech, and having heard so many glowing reviews, Nellie and I rented it.

    It was wonderful.

    The movie tells the story of prince Albert Frederick Arthur George of Britain who did not ever expect to inherit the throne and did not want to, in part because of his stammer. Can you imagine having to be a public figure like a king and have to deal with something like that? Most of us dread the thought of public speaking. Can you imagine having to try with a stammer?

    But Albert’s lot was not to live the sheltered life. He became king when his brother abdicated the throne because of improprieties in his personal life. The day before the abdication, Albert went to London to see his mother, Queen Mary. He wrote in his diary, “When I told her what had happened, I broke down and sobbed like a child.” That is not the entry of a power-hungry man.

    He assumed the throne in 1936, when England ruled over almost a quarter of the world’s population. Three years later in 1939 WW2 broke out and Britain’s king needed to be able to address the people.

    In the movie, Colin Firth plays Price Albert. Geoffery Rush (Captain Barbossa in Pirates of the Caribbean) plays Lionel Logue, the unorthodox Australian speech therapist to whom Albert’s wife turns for help. The script is wonderful and the star-studded cast is spot on. There are moments of humor and poignancy and triumph. I was caught up in this movie as much as any I’ve seen.

    If you like English dramas, you’ll enjoy this one. And the profanity, the reason for the r-rating, is not there to depict casual vulgarity. It was part of a technique used by the therapist. In the end, you’ll overlook it and find yourself on pins and needles, rooting for this fine man.

    Aquatic Ancestor Apes & Talking Bacteria

    I’ve written about TED before. The annual TED (technology, entertainment, design) conferences, in Long Beach/Palm Springs and Edinburgh, bring together the world’s most fascinating thinkers and doers, who are challenged to give the talk of their lives (in 18 minutes or less). The folks at TED record these speeches and put them up for free on their site for the rest of us to watch. And I just watched two dandies.

    The first is by Elaine Morgan who says we evolved from aquatic apes (sigh, just when you think you’ve found grandpa Eddy hanging out in the trees, you learn he’s an imposter). Morgan is a Welsh writer for television and also the author of several books on evolutionary anthropology. In the speech she describes the reasons why it makes sense that humans had aquatic ancestors. Along the way, she illustrates key principles of science, including why science by consensus is no science at all. Her manner is so delightful and engaging I think I could listen to her for hours, preferably around the dinner table. Watch her right now. She just might convince you.

    The second speech was given by Bonnie Bassler, an American molecular biologist, who has been part of the team that discovered key insights into how bacteria talk. It appears that bacteria do not invade a host and start doing damage. No, they wait until their numbers are sufficient that they have a chance of surviving. They coordinate defense and mount attacks as a group. Who would have thought? Knowing how this works is not only interesting all by itself, but it has stunning implications for medicine and fighting infection. Bassler is a fascinating and enthusiastic presenter. Among other things, you’ll end up seeing that humans are more bacteria than you could imagine. Watch her.

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  • Good Stuff! Operation Underground Railroad

    ByJohn Brown

    WeSaveChildrenFromSlavery

    I blogged about this before.

    On February 28th, Operation Underground Railroad freed 20 kids from slavery and brought 5 slavers to justice. They are continually running operations.

    Oskar Schindler didn’t stop the killing of all Jews. But he did what he could. One of the most poignant moments of Schindler’s List was when he pulled out his pen and realized he could have saved someone with his pen. We all have a pen opportunity in front of us. Join me and my family. Become an abolitionist.

    We’ve set up a monthly amount, but even a one-time donation puts you on the team.

    I know you want more information. Here’s an awesome video where the founder explains what’s happening and what they’re doing.

    In this one, Glenn Beck interviews Cliff Graham about the organization. It’s a must-see interview.

    See how you can help.

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  • Toy Story 3, How to Train Your Dragon, Rumbi Island Grill

    ByJohn Brown

    Toy Story 3

    It’s interesting that two of the most enjoyable films this year are both animated. The first is Toy Story 3. We all know how awful sequels can be, and, in fact, I didn’t like Toy Story 2 all that much. But Pixar defied the sequel slump with this one.

    Andy has grown up and is going to college. From a toy’s point of view, that’s tantamount to death because Andy has to clean out his room, and what is he going to do with all that junk anyway? The last few remaining toys barely miss the garbage truck and get sent, by accident, to the local day care instead. Sounds great for a toy, right? They’ll get played with every day forever. But things are not as they seem at the day care, and our crew of toys is put on the fast track to an early death. Will they be able to escape when the other toys there are ruled mob-style by a big pink teddy bear that smells of strawberries?

    I laughed and cried and cheered in this movie. There are hilarious scenes featuring Barbie and a Ken who’s gone over to the dark side. More gut busters with Buzz Lightyear when he’s put into Spanish mode and Mr. Potato Head who has powers we never would have suspected.

    But the movie goes beyond toys and action. It’s not just a cartoon. It’s about loyalty and friendship and heroics and love and family. Because my oldest will be leaving the nest next year, the final scenes carried extra power for me. But I think they will be effective for almost anyone because Pixar does in this movie what all great art does—it reaches into themes we all share. And in that moment, we identify so strongly with the characters that their situation becomes our own.

    How to Train Your Dragon

    Dreamworks’ How to Train Your Dragon, based on the novel by Cressida Cowell, is the movie I should have seen for my birthday. Instead, we went to the mind-numbing Clash of Titans. I still cringe at some of the massive plot holes in that one, even though Medusa rocked. Which only proves, once again, that cool effects can’t save a bad story. How to Train Your Dragon, on the other hand, delivers cool monsters, but never once did the writers make the mistake of thinking that cool monsters is what the story was about.

    The movie is about a young Viking named Hiccup who wants to be accepted, wants to become one of the burly defenders of his city, like his dad, Stoik the Vast. But Hiccup isn’t brawny. However, he is resourceful. And during a dragon attack, he brings down a mysterious Night Fury dragon with his invention. However, when he finds the dragon, he can’t bring himself to kill it. Instead, Hiccup and the dragon begin a friendship. But will Hiccup be able to save the dragon that everyone wants to kill? Will the Vikings be able to see the truth about the dragons before they’re destroyed? Most importantly, will Stoik be able to accept his son?

    I enjoyed the superb animation in this story as well as the dragons. But it was the characters and humor that made this movie so good. There’s Stoik who just can’t relate to his son, but tries to bond with a very interesting use of his dead wife’s brassier, Hiccup, the son, with his dry wit, and Gobber, a peg-leg family friend who has some of the best lines in the movie.

    Go see this show. You’ll laugh, and then you’ll wish you had a dragon of your own.

    Rumbi Island Grill

    The Rumbi Island Grill is a restaurant chain that started in Salt Lake City in 2000. They serve fast, casual tropical food at incredibly good prices. My favorite is their rice bowl. It comes with your choice of sauce, rice, and meat with sautéed vegetables. In the Netherlands I learned to love Indonesian food and the spicy-sweet peanut sauce that often accompanied it, which is why I can’t get enough of the Bali Island bowl with brown rice and shrimp. You might find you love the sauce so much you ask for two servings to pour over your bowl (oh, and add a dash of the hot sauce). The food’s great, but they’ve paid attention to the Hawaiian atmosphere as well. So even though it’s fast food (you order and they bring it out to you), you feel like you’re sitting in a casual dining restaurant.

    I always look for a Rumbi when I travel down to Salt Lake City or Provo. Now I don’t have to go so far–a restaurant has opened up in Logan right across from the Wal-Mart on the south end of town! I took Nellie there recently. The staff was friendly and the food was delicious–just what I’d come to expect.

    Now all we need is a Cheesecake Factory!

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    “How It All Came Crashing Down” by Peter B. Gardner

    ByJohn Brown

    Everybody knows that we got into this recession because banks began lending money to people who had terrible credit ratings, right? People who didn’t have to prove they even had a job. I mean, how long are you going to stay in business when you keep handing out dough to people you never hear from again?

    But is that all there is to it? And was it really just the fault of congress because they told Freddie Mac and Fannie May (the organizations that purchased loans) that they had to start purchasing these highly risky things? Or was it all those greedy Wall Streeters?

    In this must-read article, “How it All Came Crashing Down,” BYU econ professors explain how we got into this mess—and what we can learn from it.

    But that’s not the end of the story. Ira Glass and the folks at This American Life uncover deeper causes of the problem in their must-listen show “The Watchmen” (no, not the movie). I mean, come on, we were told these high-risk loans were as dangerous as milkshakes. Shouldn’t SOMEBODY have seen it?

    President Obama keeps saying that the root of the problem was that there wasn’t enough government oversight. Sounds good, doesn’t it?  We’ll get disinterested Uncle Sam to protect us from all these investment bullies. But if we dig a bit deeper, it appears that Uncle Sam was one of the major players at the root of the mess.

    Ouch.

    Read. Listen. They are two fabulous pieces.

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4 Comments

  1. Yeah, Brown Bow is the only yogurt in America worth eating. How I miss European yogurt. Americans are obsessed with low fat now sugar crap, but are we getting any skinnier?

    Also, I just read Dave Ramsay’s book. We already got rid of credit cards years ago, when we paid off enormous debt. But working on other stuff.

    Great minds think alike, eh?

  3. I think I mentioned on here a while back that I’m working on the Dave Ramsey plan. My wife and I didn’t have any credit card debt, but it was sobering to look at our car loan and student loans and realize what a huge wad of debt we had, and what would happen if we couldn’t pay for some reason. It’s a long road.

    And I just bought some Brown Cow yogurt on your recommendation. It better be good! Haha. I’m sure it is. I was in Europe for a while myself, but my true love wasn’t the solid yogurt. It was the yogurt drinks. Oh, how I miss Yoki. The yogurt drinks here in the states don’t even compare.

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