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Saturday, October 31, 2009
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News :Financial Dreams
A Budget Can Make Your Financial Dreams Come True
By David Hoyer
For most of us, budgeting is not a natural character trait. We have a tendency to live beyond our means. We buy on impulse things we don't need. And we borrow money with our credit cards to pay for goods instead of paying in cash. These are some of the reasons so many families in the United States have a hard time making ends meet and instead are living paycheck to paycheck.
Photo: marriageactually.com
The rea! son we budget is so we can pay for our necessities but still live and enjoy a reasonably comfortable life. This means that if we're making $32,000 a year, we don't buy a million dollar home. Instead, we find a more suitably priced home in the nicest neighborhood that we can afford. If we are barely making enough to feed our family we don't splurge on a 56 inch flat screen plasma television. We conserve our money and buy a more modest TV.
No one likes to budget. But unless we are independently wealthy through inheritance, the lottery, hard work, or some other means - we are going to have to learn to take control of our money if you want to achieve any of your financial goals and dreams.
The main purpose of a budget is to keep you from spending too much money on things that you don't need. It can be so tempting when watching those late night infomercials and you see the Atomic Weed Destroyer that will kill all of the weeds from your garden with a single ! push of a button. You whip out your wallet, call the 800 numbe! r, and o rder it for the low, low payment of $19.95 a month for 3 months. A budget, if you follow it, will make you think twice before picking up that phone. Or maybe you go into a grocery store planning to spend $60 but instead come out with a $100 grocery bill. A budget, if you follow it, will make you stop and think before adding that extra item to the grocery cart.
A secondary purpose of a budget is to help you save money towards future acquisitions or future goals. For example, if your child, Johnny, is three years old and you want him to attend college, you'd better start planning and budgeting your money so that when he reaches 18, he has money for his tuition. Likewise, if you have just married and know that you want to buy a house in five years, now is the time to set aside a certain amount of money each month so that you have enough for a down payment in five years.
It may not seem obvious, but one of the biggest goals or dreams that a budget can help ! you to attain is financial independence. It's often said that 'It's not how much you make, but how much you save." And it's mostly true. We've all heard the stories of famous boxers and other entertainers who at the peak of their career raked in multi-million dollar paydays. But somehow, at the end of their career they ended up broke, on the streets, waiting tables, and so on. Did they not make enough money? Or did they simply fail to budget their money properly?
In the end, we all have the same basic money decisions to make as those famous celebrities did. Do we carelessly fritter away whatever monies we make and risk ending up destitute with no retirement security? Or do we take control of our money and our lives by creating a budget that will help us to make the most of what we have? To be blunt, most Americans make the wrong choice. Don't you make the wrong choice too.
David Hoyer is a freelance writer who writes articles relating to bankruptcy mailing list and other bankruptcy related issues. Visit his site at http://www.bankruptcyfocus.com/
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fashion hot asian Yes You Can Quit Smoking Today!
Since you are taking the time to read this, you must have made the decision once and for all to finally quit smoking today. Good for you! It is one of the best decisions that you have ever made in your life. Just by making the decision you are now on your way to a healthier and longer life.
By now you should know the statistics that are related to smoking. Over 20 percent of the deaths in the Unit! ed States are directly linked to smoking. It is estimated that over 3 million people die each year in the world from this devastating addiction. Don't become part of the statistics.
One of the best things you can do to help yourself is to develop a plan and stick to it. Set yourself a goal. Write it down and look at it every single day for motivation. Don't be afraid to reward yourself along the way. You need to look at this as a lifelong journey to a healthier you.
When you finally quit smoking today one of the things you have to keep in mind is that your body will instantly start to heal itself. The longer you can stay smoke free the more days you start adding back to your life. Take a minute and reflect what that means to your family.
Some common sense tips when you quit. Try and spend as much time in smoke free environments such as libraries, theaters or malls. If you find yourself wanting to hold something in your hand, use a substitute. Hold something else. Keep yourself hydrated.
Drink plenty of water and juices. Not only will this help the body heal, it will help the body flush itself from the lifelong buildup of chemicals that were the direct result of smoking.
Nobody said it was going to be easy when you decided to quit smoking today. But with the advances in technology and the advent of new and better smoking cessation programs it has become a bit easier. Take things one step at a time. You'll be glad you did and so will your family.
By Jackie Winn
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fashion female model Guess Handbags Are A Popular Fashion Accessory!
Guess is a widely recognized brand name that most people associate with clothing. But Guess handbags have made their way to the forefront with the creation of many stylish and unique designs. The Guess handbag is now a must have amongst the fashion elite due to the many desirable colors, styles, and designs of handbags. Guess is a popular designer name that both women and teens love to wear, so you will notice women of all ages carrying Guess designer handbags.
Guess offers very unique and stylish handbags that catch the attention of all women. The Guess barrel handbag is a popular style that offers a clean polished look. Materials such as croc print, jacquard, and vinyl with the Guess "G" logo are common amongst the Guess barrel handbags.
The Guess satchel handbag is another favorite that comes in a variety of materials and styles, and also sports the "G" logo. The Guess satchel goes with almost anything and looks very stylish. Something important to c! onsider when buying a handbag is how much space you have inside. The Guess satchel handbag seems to be quite roomy allowing for all the personal items you like to carry with you.
These are just a few of the handbag styles offered by Guess. Check out the internet for a wide variety of handbag styles and designs by Guess and you are sure to find one that you like.
By Chris Rodriguez
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Friday, October 30, 2009
Hot News :swim suit Money Making Internet Business Tool to Use in Order to Maximize the Success You Achieve Online
The money making Internet business tool that you can utilize in order to maximize the success that you achieve online is known as article marketing. This is a very powerful and effective way that you can utilize to promote your business without having to put any money. I'm sure you are already investing money in your business so the last thing I want to do is add another expense.What you must keep in mind is that article marketing requires you to invest your time and the more time you inve! st into it the more results you are going to get. The concept of article marketing works by you creating articles that are based on keywords that people search on a daily basis. Your articles will be put in front of people who are already seeking what you have to offer by the search engines that have picked up your articles.
The process of article marketing takes time for you to see results but it really depends in the effort that you put in. For example if in one month you're going to make 200 to 250 articles you're going to see great results from it. But remember that you must have the slight edge philosophy of doing two a day and working from there. As you continue to do articles you're going to become better at it. This means that you will do them faster and do more on a daily basis.
Just remember to take your time and not to rush into things because the last thing you want to do is get overwhelmed. The mistake that many people make is to try to ma! ke too many articles and get overwhelmed so just make sure tha! t you ta ke your time and know that by doing a little a day consistently it will add up to a lot in the long run.
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News :Improve Your Finances
How to Improve Your Finances in Your Twenties
By Abby Reid
Let's face it. After college graduation, many people in their twenties are strapped for cash. Student loans, car payments, monthly rent and grocery bills can quickly drain a wallet or bank account. Still, there is no need to declare bankruptcy or go into massive credit card debt. By employing a few smart, money-saving strategies, nearly everyone can successfully manage a budget, no matter how small.
Don't spend money you don't have. While it may seem easy to use credit cards to pay for necessities like clothing or groceries, high interest rates can double or triple the initial cost of a few cans of chicken noodle soup. Don't spend money you do! n't actually have. Avoid using credit cards as much as possible, unless you are sure that you can pay the bill the next month.
Keep track of your expenditures. Studies show that dieters who keep track of their daily food intake lose twice as much weight as those who do not. Why? If you are forced to write down a splurge, you are less likely to do it. The same applies to finances. If you must record every dollar that leaves your pocket, you are less likely to purchase things you don't really need.
Take advantage of store coupons and weekly deals. Sign up for your grocery store's weekly flyer. Keep an eye out for discounts or deals. Just make sure that you purchase only the items you need. Do not buy something that you are unlikely to use simply because it is cheap.
Lower your heating or air conditioning bills. During the summer, keep your thermostat at 75 degrees. During the winter, keeping your home or apartment's temperature set at 63 degre! es can significantly lower your gas, heating and air condition! ing bill s.
Pay back your loans as much as you can. Do not defer your student loan or credit card payments. The interest rate will only continue to increase. If your accounts are in good standing, you can often call your Loan Company and sign up for a lower rate. Some companies also offer a lowered interest rate if you enroll in automatic draft.
Eat out less often. Americans spend 40% of their food bills on restaurants. By dining out merely one less time per week, you can save up to $60, the average cost of a cell phone bill. Bring your lunch to work in lieu of ordering pizza every day.
Buy a car that is gas efficient. An SUV may look good, but if you're young, single and in your 20s, you probably don't need it. Gas prices are high, and buying a smaller, more fuel-efficient car will save you ample amounts of cash in the long run.
Take advantage of garage sales and thrift stores. Many of the items that these types of shops contain are practi! cally new and unused. You can buy clothes, dishes and furniture for up to 75% off the original price.
Learning to spend wisely is a habit that takes planning and discipline. Even though you may have to suffer through low-income jobs and staggering debt in your 20s, you can still become financially stable and responsible.
Advantage Credit Counseling Service provides individualized attention to those interested in getting out of debt. They offer free online credit counseling and resources on their web site for helping you begin to make changes in your credit score. You will be able to start budgeting and saving your money, improve your credit score, and begin to make smarter financial decisions.
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Hot News :gallery actors actress Dating Tip: Don't Be Too Grateful
Gratitude is transformative. When you're grateful for your blessings, you're happy. You're radiant. You attract men, loyal friends, and good jobs. You lure birds from the trees.
But there is definitely such a thing as being too grateful.
Here's an example: A woman (let's call her Audrey) starts dating a guy (let's call him Doug). Doug is by far the most handsome guy she's ever dated. In fact, he's the first guy she's dated in quite some time. She can't believe her good fortune because, in t! he looks-oriented world we live in, Audrey has been told she's lacking. She figures she hit the jackpot with Doug.
Her friends can't believe her luck. Heck, her own parents can't believe her luck.
And Doug is really, really nice. He's nice to Audrey about 85% of the time. Sure, he asks to borrow her car a lot. He doesn't always show up when he says he will. He goes out with the boys more often than he does with her. She's caught him in a couple of lies.
But so what! Who cares if sometimes he's a bad boy? Most of the time, he's great. Doug makes Audrey feel special (most of the time). He makes her feel beautiful (most of the time). Hey, he's a guy, and he's good looking. She's just grateful she has a boyfriend.
There are too far many women like Audrey on this planet, and they send me the saddest letters. They get taken for a ride (sometimes in their own cars), and eventually end up picking themselves out of a ditch while Prince Cha! rming moves on to his next victim.
I personally kno! w two gu ys who consistently date Audreys precisely because they're "grateful." I firmly believe the world is full of wonderful men, but there exists a certain breed of loser who target women that suffer from poor self-images. The goal is to take such women for all they're worth.
Beware.
If your self-image isn't great, you must postpone dating until it is. Stay home, for Pete's sake! Changing your beliefs about yourself should be your sole aim. You simply cannot attract a good man until you do.
By Terry Hernon MacDonald
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Thursday, October 29, 2009
News :Are You Really Ready To Apply For A Credit Card
So you're ready to apply for a credit card, possibly your first credit card ever, and you're overwhelmed by all the options that are out there. Congratulations. You're normal! Whose head wouldn't spin amidst all the promises of cash back rewards, frequent flyer miles, low interest rates, no interest rates, free balance transfers, no annual fees – all of which will change 3 months to a year after you sign up?
When it's time to apply for a credit card, how do you decide which offer is right for you?
Everyone Has a Credit Card
First of all, have faith. Almost everyone has a credit card these days from the 16 year old up the street who mows lawns for a living to the multi-billionaire who owns huge corporations in the third world – and everyone in between. This means one thing – there is a credit card offer out there that is perfect for you.
Factors To Consider When You Apply For a Credit Card
When you apply for a credit card, the bank sponsoring ! the card will take into consideration a list of factors. You will do well to consider these factors yourself, so you'll know if a card is right for you. They include:
* Credit rating and reports
* Other cards (or lack thereof) currently open under your name
* Age
* How much of your balance you will pay back every month
* How much of a balance you will build every month
* Current income and projected future income
* What you will most likely use the credit card to purchase
Is this a card for business expenses only or for necessities like the electric bill and groceries? Do you intend to pay off the card every month or make a large purchase and then pay it down a little at a time? Is the job you have steady and pay well enough to support a credit card, especially if you carry a balance on other cards already?
Knowing the answers to these questions will help you decide which card is right for you. If you intend to pay off y! our balance every month, then a rewards card is good for you a! nd the A PR rate won't matter. If you'll probably carry a balance, no reward system will balance out what you'll pay in high finance charges.
Take your time, do the math, and ask questions if you need to. Better to figure out the details now rather than later when it's too late!
This article was brought to you by http://www.apply-for-a-credit-card-now.com a website where you can shop, compare and apply for credit cards online from leading credit card companies.
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Another Mulan kwok Collections at Sctv Awards if you want to see the huge pictures just click the picture
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Wednesday, October 28, 2009
Hot News :model agencies Myanmar Model Girl, Myanmar Actress, Yadanar Pon's sexy style photos
Yadanar Pon is Myanmar popular model and actress. She has international standard model's height and body structure. Her height is 5'9" and she was born in 1985, May 31. Although Yadanar Pon is sexy, attractive and pretty model and actress, she doesn't get success as much as she should get. However, she is still trying to be a famous model and actress in Myanmar. Here is Yadanar Pon's email : yadanarpon@myanmar.com.mm. Yadanar Pon stays at No 65, Thunadar 4th street, Thumingalar Housing, Thingangyun Township, Yangon
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Nozomi Sasaki in bikini against a red background.
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brides Courteney Cox wallpaper gallery
Courteney Bass Cox is also known as Courteney Cox Arquette, is an American actress, former model and film producer. Courteney Cox is known for her role as Monica Geller in the famous TV sitcom Friends and as Lucy Spiller, in the television drama "Dirt".
Cox was born in a wealthy family in Birmingham, Alabama. Her parents were Courteney and the late Richard Lewis Cox. Cox has two older sisters, Virginia McFerrin and Dottie Pickett, an older brother,Richard,Jr. on june 12, 1999,Cox married David Arquette and On June 13,2004, she gave birth to their first child, daughter Coco Riley Arquette.
Name: Courteney Bass Cox
Birth Date: 15-06-1964
Birth Place: Birmingham, Alabama United States
Spouse(s): David Arquette (1999-present)
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