5 Financial Tips For College Students

If you are a college student, you are probably concentrating on your studies and trying to get an education that will benefit you in the future. One thing that you may not be thinking about is how to handle your money, and failing to do so can leave you in a pretty big financial mess by the time you are out of college. It is important that you take control of your finances now if you want your financial future to be bright. The following are some tips that can help you with your finances to avoid any college financial disasters.

Tip #1 - Only Use Credit Cards in Emergencies - Once you get a credit card it can be all to easy to start racking up the credit card debt. This is a bad way to start out and you will probably end up with bad credit if you are using credit cards all of the time. Remember, the money you spend on credit cards will need to be repaid. It is best if you save your credit card for emergencies instead of buying that new pair of shoes or paying for an evening out.

Tip #2 - Pay Off the Balance Every Month - It is also important that you pay off your balance each month if you have a credit card. Leaving a balance on the card can result in you paying extra money on interest, so you will save money if you pay off the balance every month. This will also keep you from getting in credit card debt over your head as well.

Tip #3 - Pay Bills on Time - Now is the time to start building your credit history, and you can do this by always paying your bills on time. If you fail to pay your bills on time, it can get quite expensive. Many companies will charge late fees if you do not pay on time and your interest rates may go up as well, costing you even more money for being late.

Tip #4 - Start Saving Now - Many college students do not realize how important saving really is, but if you can start saving while you are in college, you can reap from great benefits when you are older. Saving now will get you in the habit of saving, you will earn money from the money you save, and you will have extra money set aside in case of any emergencies as well.

Tip #5 - Look for the Best Checking Account - You can actually save a great deal of money if you look around and find the best checking account. Look for an account that has no fee for starting an account and no minimum balance. You may also want to check into any debit card fees, and fees for deposits of withdrawals. Some banks will actually offer totally free checking for college students, so take advantage of this and you can save a great deal of money every year.

6 Ways To Overcome Shyness And Gain Confidence

Are you shy? Do you have difficulty coping with people or situations? Then I have good news for you. You do not have to suffer from shyness and you should not feel insecure and fear that you are being judged with every step you take.

Winning the war with shyness takes practice, but is definitely well worth the effort as the result is increasing confidence and self esteem. Wake up feeling good about yourself, able to face the world with confidence and security and the knowing that no feeling of shyness can come in your way of achieving your desires.

There are hundreds of books written on the subject of how beat shyness and gain confidence, but there are a few techniques that anyone can practice. Here are 6 suggestions of techniques on how to overcome your shyness:

1. Every morning, as soon as you get up, get in front of a mirror and say out loud "I feel terrific! I feel terrific! I feel terrific!" Repeat this affirmation with enthusiasm at least ten times everyday until it's ingrained into your subconscious mind. If feel a little self conscious to begin with lock yourself in the bathroom. The results will amaze you.

2. Feel good about yourself. Look your best. Dress up more often. This gives you an extra feeling of confidence and self esteem. On its own just knowing that you look good will boost your confidence and reinforce with others that there are things about you that are worth getting to know.

3. Take a risk at least once a day. It's very invigorating and conquering fears by taking risks helps you grow in confidence and self esteem. Start with small risks and fears and as you overcome them move onto bigger things. There's nothing you cannot do. Be confident in knowing that change can only help you grow, and boost your self confidence.

4. When you are engaged in a one to one conversation, or with a larger group of people, let them know that you're shy. This prevents them from misreading you and they are far more likely to invite you into the conversation rather than leave you just listening and wishing you could contribute.

Many people, me included, find following a conversation in a noisy room difficult. If you are having difficulty say so and move so that you can hear. People respect honesty, and vulnerability and you will attract more honest people into your life as a result.

5. Rejection is a fact of life that everyone experiences. It is rarely you that is being rejected. If you are rejected, for example if you ask someone for a date, remember that everyone has different likes and dislikes. You may be attracted to one type of person and not others. The same applies to other people and you are probably just not their type. That does not devalue you in any way. Accept this and know that you will get over it. Never take it personally and keep in mind that if people reject you it is because of their own likes and dislikes and not because of who you are. You are equally entitled to reject others because of your likes and dislikes.

6. Engage in an activities that make you feel excited and good about yourself or start a hobby that gives you a feeling of relaxation. This could be anything from gardening to Tai Chi to Karate. Take some lessons, learn or master a musical instrument or take singing lessons. Do something that excites you and take a risk. Exploring things that make you feel excited is a great antidote for shyness.

3 Popular Niche Marketing Misconceptions

Specializing in Niche Markets has never been as crucial as it is today. Long gone are the days when you can target general, broad markets and make money from them.

To make money in today's Internet Marketing environment, one must specialize in well defined niche topics.

Lets examine a few misconceptions when it comes to niche marketing.

Misconception #1: You do not have to be an expert in the Niche field you choose!

Everyone says you should only choose a Niche that you are an expert in...nonsense!

The Internet is so impersonal that you can easily appear as an expert and not know anything about that particular niche topic. The key is to appear as an expert. How? You can outsource, build niche sites with no interaction such as blogs, purchase resale rights to an ebook in a particular niche. You see, you can choose to profit from any niche you like.

Misconception #2: Choose one niche market and stick with it.

Not true! Once you establish yourself in one niche and develop a profitable system, choose another one and run with it. You can even choose a pen name if you like, it's common practice to do so.

Niche marketing is a numbers game. Once you find a profitable niche put it on auto-pilot and choose another niche market to get into.

Misconception #3: The best way to make money in the niche game is to promote niche products as an affiliate.

Wrong again! Sure, becoming an affiliate and promoting niche products can be very profitable, but if you are doing this, you're not maximizing your income.

You need to promote your own landing or squeeze page where you collect the e-mail address of the visitor, and then sending him or her to the niche product you are promoting. You should also send out an e-mail course with informative information pertaining to that particular niche market to gain the visitors trust. Since your subscriber now trusts you, you can recommend products in that niche again and again, knowing your recommendation holds a lot of weight.

Those are three popular misconceptions when it comes to niche marketing. Follow the tips above, and you will be more likely to succeed. Remember, it is important to find a profitable niche, set it up so it is on auto-pilot, then move on to the next niche.

Not all niche markets will be a slam dunk, so don't get discouraged.

Even if one out of ten become really profitable, sit down and smile, you've hit the jackpot.

Cardio-Boxing for Super Fitness

Sports scientists agree that cardio-boxing is one of the best forms of exercise, because it conditions the total body and provides a complete workout for your cardiovascular and endurance systems.

The major benefits of cardio-boxing include:

• Increased Stamina
• Increased Strength
• Increased Speed 
• Increased Coordination

Cardio-boxing also promotes a person’s well being by strengthening their self-discipline and combined with strength training it’s well and truly the total package for self-defence and fitness and usually consists of:

• Adjusted heart rate work  
• Actual boxing techniques  

 The usual workout consists of the age-adjusted heart rate work starting with 10 minutes for beginners and leading up to 20 minutes for the more advanced.  For the second part of the workout, you’ll need to perform and practice 20 minutes of actual boxing techniques.


Cardio

The best way to measure the effects of an exercise program on your body is to check your pulse.

The easiest way to check the pulse is to place your index and middle fingers on your carotid artery or the wrist. Immediately after the exercise, count your pulse for 15 seconds and multiply by 4.

You can also check your pulse during the exercise but with safety as a first priority. To get a more precise reading of your pulse rate, purchase an electronic device from any sports store.

Now you have your exercising pulse rate or heartbeats per minute.  We’ll be concentrating at the upper end of your pulse region: the 50% - 70% ranges.

To figure this out, deduct your age from 220. Suppose your age is 40, deduct this from 220 and you get 180.

50% of 180 is 90 beats a minute,
60% of 180 is 108 beats a minute,
70% of 180 is 126 beats a minute and so on.

Don’t jump into 70% work straight away. Start with 50% and slowly work your way up to the 70% upper limit.

Start with no more than 10 minutes, and work up to 20 minutes. Once you’re comfortable with working out for 20 minutes at 70% then try to increase the heart rate up to 80%.

Mix up your cardiovascular activities in the gym. Use the treadmill, skipping, rower, climber, and bike and other equipment that might be available to you.
           

Boxing

The boxing stance is the posture a boxer takes before and after every action depending on whether you are left or right handed. We’ll be dealing with the most common; right-handed. For left-handed people, just reverse the instructions.

Stand with your feet shoulder width apart, with your left foot in front of your right foot. Your right heel should be slightly raised with your left foot flat on the floor and toes pointing ahead.

Bend your knees a little and balance your weight comfortably and evenly.
Place your elbows close to your body with your left fist held at head height and in a position that corresponds to your left foot.

The right fist should be at head height also and guarding the chin, with both elbows protecting your body and both fists protecting your chin.

This is your defensive and offensive position after throwing punches, so please practice this before going any further.  When moving forward in this boxing stance the left foot moves forward first and then the right follows.

When moving back, the right moves back and then the left follows.  When moving sideward to the right, the right foot moves first followed by the left.  When moving sideward to the left, the left foot moves first followed by the right.

Practice this moving forward, back and sideward in the boxer’s stance until it is done smoothly and quickly. Remember to keep your guard up and elbows tucked in to your sides.

Keep your head at eye level with your upper body leaning forward slightly.   In boxing it is important that punches are thrown quickly and then bought back quickly to assume a defensive posture.
                               

Punching

A left jab has many uses, it can be used for both offensive and
Defensive actions. From the set stance the left arm is pushed quickly and forcefully forward, the weight is shifted to the front foot. The fist moves in a straight line and straight back again for defence.

At the moment of impact the back of the hand and the lower arm are in a straight line. Keep the right fist in the defensive position and elbow tucked into the body during the movement.

The straight right is also known as the punching hand and can be thrown with considerable force. The arm moves straightforward from the chin, the body weight is shifted to the front foot with the ball of the foot of the back leg pushing into the floor for more power.

The back of the hand is straight and pointing up at the moment of impact. The arm is then immediately pulled back for protection after the hit.

The left hook to the head and body is an effective punch for closer range work. From the set stance turn your left shoulder quickly and move your elbow up to shoulder height. The fist moves in a circular motion to the target, with the elbow bent.

Rotate your hip and body whilst pressing your front left down keeping the back of your fist pointing up and in a straight line with the lower arm. The left hook to the body is similar to the above but increases the rotation of the body

The right uppercut is also carried out at close range. Drop the lower part of your punching arm until the lower and upper arm is at right angles to each other. The back of your hand should be pointing away from you, now thrust your arm forward and upward to your target.

Shift your body weight to your front leg and rotate your hip and shoulder on the same side. Remember to keep your left fist guarding your chin during the entire movement. Now practice all your punches until they are done quickly and smoothly.

To develop speed and endurance, try punching straight left and right combinations into the heavy bag. The duration of the exercise period is the same as the rest period i.e. 10 seconds exercise, 10 seconds rest, 20 seconds exercise, 20 seconds rest, and so on. Move up higher as your condition improves.

10 Tips To Improved Personal Budgeting

$Clip coupons. This is the single most important rule of personal budgeting. Why? Simply because a few minutes spent clipping coupons could end up saving you multiple dollars in the checkout line.

$Buy in bulk. If your favorite products are on sale, buying in bulk may cost you more at present but could end up saving you a lot in the future. Some good examples are items that do not have an expiration date, such as soap, shampoo, toiletries and other household items. Canned foods, which carry a long expiration date, are also ideal for buying in bulk.

$Saving your change can be a great help in your quest for personal budgeting. You would be surprised how quickly change can add up and, even if it’s $50 or $100 per month, your coins can add up to some serious cash. Many people discard their coins or simply toss them around without thought, but saving them in a bowl or dish will help a great deal when it comes to personal budgeting.

$Put a portion of each paycheck into a savings count each week or month. Whether it’s a few dollars or several hundred, always make sure that you are putting aside some amount of money into a savings account. If possible, deposit 10-20% from each paycheck.

$Avoid impulse shopping. This type of buying is what ultimately leads to buyer’s remorse. In order to avoid it, think about what you want to shop for and make sure that you avoid any last minute additions unless they are absolutely necessary or you can afford them without being in a crunch.

$Shop the sale racks. Everyone enjoys sprucing up their wardrobe now and then so, when it comes time to add a few new pieces of apparel, stop by the sale rack for big savings. There’s nothing wrong with keeping a few extra dollars in your pocket, which can be later be used for life’s little essentials.

$Avoid using high-interest credit cards unless you can repay them within six months. Otherwise, you are more likely to get swallowed up with interest and end up paying for the original purchase several times over.

$If you do use a credit card for purchases, try to use one with an introductory APR or a regularly low interest rate. This could end up saving you big bucks every month and also in the future, which is one of the most important rules to personal budgeting.

$Request free samples. A number of websites, including StartSampling.com and WalMart.com, offer customers the opportunity to request free product samples of certain items. Everything from skin lotions and shampoo to dog treats and household products are up for grabs to all who ask. In addition, many manufacturers offer free samples of new product releases directly through their own website.

$If you find yourself in increasing credit card debt, call the creditor and request to be placed on a hardship program. This type of program allows for lower interest and smaller payments for a specified amount of time. Depending on the creditor, it can be in effect for several months or until the balance is paid in full. This method will not only help your immediate personal budgeting, but will also give you additional financial freedom in the future when the debt is paid in full.

Income Investing: Selecting the Right Stuff

When is 3 percent better than 6 percent?  Yeah, we all know the answer, but only until the prices of the securities we already own begin to fall. Then, logic and mathematical acumen disappear and we become susceptible to all kinds of special cures for the periodic onset of higher interest rates. We’ll be told to sit in cash until rates stop rising, or to sell the securities we own now, before they lose even more of their precious Market Value. Other gurus will suggest the purchase of shorter-term bonds or CDs (ugh) to stem the tide of the perceived erosion in portfolio values. There are two important things that your mother never told you about Income Investing: (1) Higher Interest Rates are good for investors, even better than lower rates, and (2) Selecting the right securities to take advantage of the interest rate cycle is not particularly difficult.

Higher Interest Rates are the result of the Government’s efforts to slow a growing economy in hopes of preventing an appearance of the three headed inflation monster. A quick glance over your shoulder might remind you of recent times when the government was trying to heal the wounds of a misguided Wall Street attack on traditional investment principles by lowering interest rates. The strategy worked, the economy rebounded, and Wall Street is trying to scramble back to where it was nearly six years ago. Think about the impact of changing interest rates on your Income Securities during the past five years. Bonds and Preferred Stocks; Government and Municipal Securities; they all moved higher in Market Value. Sure you felt wealthier, but the increase in your Annual Spendable Income got smaller and smaller. Your total income could well have decreased during the period as higher interest rate holdings were called away (at face value), and reinvestments were made at lower yields!

How many of you have mental bruises from the realization that you could have taken profits during the downward trajectory of the cycle, on the very securities that you now lament over. The nerve; falling below the price you paid for them years ago. But the income on these turncoats is the same as it was in 2004, when their prices were ten or twenty percent higher. This is the work of Mother Nature’s financial twin sister. It’s like acorns, snowfalls, and crocuses. You need to dress properly for seasonal changes and invest properly for cyclical changes. Remember the days of Bearer Bonds? There was never a whisper about Market Value erosion. Was it the IRS or Institutional Wall Street that took them away?

Higher rates are good for investors, particularly when retirement is a factor in your investment decisions. The more you receive for your reinvestment dollars, the more likely it is that you won’t need a second job to maintain your standard of living. I know of no retail entity, from grocery store to cruise line that will accept the Market Value of your portfolio as payment for goods or services. Income pays the bills, more is always better than less, and only increased income levels can protect you from inflation! So, you say, how does a person take advantage of the cyclical nature of interest rates to garner the best possible income on investment quality securities? You might also ask why Wall Street makes such a fuss about the dismal bond market and offers more of their patented Sell Low, Buy High advisories, but that should be fairly obvious. An unhappy investor is Wall Streets best customer.

Selecting the right securities to take advantage of the interest rate cycle is not particularly difficult, but it does require a change in focus from the statement bottom line… and the use of a few security types that you may not be 100% comfortable with. I’m going to assume that you are familiar with these investments, each of which could be considered (from time to time) for a spot in the well diversified Income Portion of your Asset Allocation: (1) The traditional individual Municipal and Corporate Bonds, Treasuries, Government Agency Securities, and Preferred Stocks. (2) The eyebrow raising Unit Trust varietals, Closed End Funds, Royalty Trusts, and REITs. [Purposely excluded: CDs and Money Funds, which are not investments by definition; CMOs and Zeros, mutations developed by some sicko MBAs; and Open End Mutual Funds, which just can’t work because they are really “managed by the mob”… i.e., investors.]  The market rules that apply to all of these are fairly predictable, but the ability to create a safer, higher yielding, and flexible portfolio varies considerably within the security types. For example, most people who invest in Individual bonds wind up with a laundry list of odd lot positions, with short durations and low yields, designed for the benefit of that smiling guy in the big corner office. There is a better way, but you have to focus on income and be willing to trade occasionally.

The larger the portfolio, the more likely it is that you will be able to buy round lots of a diversified group of bonds, preferred stocks, etc. But regardless of size, individual securities of all kinds have liquidity problems, higher risk levels than are necessary, and lower yields spaced out over inconvenient time periods. Of the traditional types listed above, only preferred stock holdings are easily added to during upward interest rate movements, and cheap to take profits on when rates fall. The downside on all of these is their callability, in best-yield-first order. Wall Street loves these securities because they command the highest possible trading costs… costs that need not be disclosed to the consumer, particularly at issue. Unit Trusts are traditional securities set to music, a tune that generally assures the investor of a higher yield than is possible through personal portfolio creation. There are several additional advantages: instant diversification, quality, and monthly cash flow that may include principal (better in rising rate markets, ya follow?), and insulation from year-end swap scams. Unfortunately, the Unit Trusts are not managed, so there are few capital gains distributions to smile about, and once all of the securities are redeemed, the party is over.  Trading opportunities, the very heart and soul of successful Portfolio Management, are practically non-existent.

What if you could own common stock in companies that manage the traditional Income Securities and other recognized income producers like real estate, energy production, mortgages, etc.? Closed End Funds (CEFs), REITs, and Royalty Trusts demand your attention… and don’t let the idea of “leverage” spook you. AAA + insured corporate bonds, and Utility Preferred Stocks are “leverage”. The sacred 30-year Treasury Bond is “leverage”. Most corporations, all governments  (and most private citizens) use leverage. Without leverage, most people would be commuting to work on bicycles. Every CEF can be researched as part of your selection process to determine how much leverage is involved, and the benefits… you’re not going to be happy when you realize what you’ve been talked out of! CEFs, and the other Investment Company securities mentioned, are managed by professionals who are not taking their direction form that mob (also mentioned earlier). They provide you the opportunity to have a properly structured portfolio with a significantly higher yield, even after the management fees that are inside.

Certainly, a REIT or Royalty Trust is more risky than a CEF comprised of Preferred Stocks or Corporate Bonds, but here you have a way to participate in the widest variety of fixed and variable income alternatives in a much more manageable form.  When prices rise, profit taking is routine in a liquid market; when prices fall, you can add to your position, increasing your yield and reducing your cost basis at the same time. Now don’t start to salivate about the prospect of throwing all your money into Real Estate and/or Gas and Oil Pipelines. Diversify properly as you would with any other investments, and make sure that your living expenses (actual or projected) are taken care of by the less risky CEFs in the portfolio. In bond CEFs, you can get un-leveraged portfolios, state specific and/or insured Municipal portfolios, etc. Monthly income (frequently augmented by capital gains distributions) at a level that is most often significantly better than your broker can obtain for you. I told you you’d be angry!

Another feature of Investment Company shares (and please stay away from gimmicky, passively managed, or indexed types) is somewhat surprising and difficult to explain. The price you pay for the shares frequently represents a discount from the market value of the securities contained in the managed portfolio. So instead of buying a diversified group of illiquid individual securities at a premium, you are reaping the benefit of a portfolio of (quite possibly the same) securities at a discount. Additionally, and unlike regular Mutual Funds that can issue as many shares as they like without your approval, CEFs will give you the first shot at any additional shares they intend to distribute to investors.

Stop, put down the phone. Move into these securities calmly, without taking unnecessary losses on good quality holdings, and never buy a new issue. I meant to say: absolutely never buy a new issue, for all of the usual reasons. As with individual securities, there are reasons for unusually high or low yields, like too much risk or poor management. No matter how well managed a junk bond portfolio is, it’s still just junk. So do a little research and spread your dollars around the many management companies that are out there. If your advisor tells you that all of this is risky, ill-advised foolishness… well, that’s Wall Street, and the baby needs shoes.

The final article in this Income Investing trilogy will be on managing the Income Portfolio using the Working Capital Model.

Beginning Pointe- What to Expect

Although every teacher is different, the goals of the introductory pointe class are similar no matter where you dance.  These goals include strengthening the feet and ankles, breaking in the pointe shoes, and learning proper execution of skills while wearing pointe shoes.

To strengthen the feet, your teacher may instruct in a variety of methods including demi-pointe work, exercises for the feet and ankles, and basic releves at the barre.  Instruction may also be given for additional work that can be done outside of class to help you gain strength and skill.

Breaking in pointe shoes is simply the wording used to describe taking the shoe from its initial factory condition to where it is conformed to the shape of your foot.  This may include some work with your shoe in hand softening hard spots and bending the shank.  I highly suggest waiting for a teacher’s instruction before bending, softening, or attempting to break in the shoes.  Doing so on your own may permanently damage or improperly break in the shoes.

In addition to manually softening the shoes, your feet will serve as your greatest break in tool.  Simply doing releves will do much to help the shoes mould to your feet.  Again, be careful about doing too much outside of your teacher’s watchful eye.  Doing steps incorrectly in pointe shoes may cause the shoes to break in improperly or lead to an injury.

Lastly, a basic pointe class will include barre work and eventually center work doing the steps you already know.  Plies, releves, tendus, jetes, and other basic technical steps will help you learn placement, understand positioning, and gain strength as you develop your pointe skills.

In an introductory pointe class, you may find yourself spending only a few minutes actually dancing in the shoes.  Do not be alarmed.  It takes dedication and time over the course of many months and years to develop a strong pointe technique.  You will gain strength, increase grace, and expand your dancing horizons as you begin pointe.  There will be blisters, frustration, and pain, but the beauty of the dance will always make it worthwhile!

4 Ways To Finance That Renovation

So you have finally purchased that 19th century farm house that you have always pictured yourself living in the problem is how do you finance the restoration? It is easy to get mortgages for the value of the home even a little extra if you have a good credit rating but today a renovation can cost more than the original purchase price of the property.

The first option s to look at your available assets. You can get a home equity loan if there is any equity in your house. Use your credit cards for short term renovation or borrow money from your parents these ideas are only usable in a short term renovation once the renovations completed you should be able to refinance your home and pay of the relatives, high interest credit cards and roll your home equity loan into your mortgage.

You may be able to get a “line of credit” a line of credit is usually easy to get up to $30,000.00 with out much effort and with a minimal amount of paperwork these lines of credit are good for short term renovation that are under the $100,000.00 dollar mark. The interest rates tend to be on the high side but you can draw out the money as you need it and only pay interest on the cash that has been withdrawn and again once the renovation is completed you can refinance and pay of the line of credit and combine all your loans in the mortgage.

Depending on the scope of your renovation you may be eligible for store loans and credit card offers. Many home stores now have their own credit cards they offer deal such as interest free credit for one year you may be able negotiate a longer term. The important thing here is to pay off the loan/credit card prior to the free period expiring otherwise the interest will revert back to the initial purchase. Some stores will also offer you a interest free construction loan for your project the terms of these construction loans vary from store to store read the fine print carefully like the credit card deals these usually have a time limit. Again one the renovation is completed you can refinance and pay off the loan avoiding high interest dept.

Construction loans are generally reserved for larger projects this kind of loan is a short term loan the money can be taken as needed and interest is paid on the money that has been taken out. Almost everyone now offers construction loans this completion has brought the costs of these loans down. The nice thing about construction loans is that you can withdraw the money as you need it once the renovation is done you can refinance and have one closing and one mortgage. One thing you should keep in mind when shopping for a construction loan is the fees and finance charges as always keep an eye on the fine print for hidden charges.

The Benefits Of Sleep Without BRAS

The benefits of sleep without bras very real for the health of the body, there are even some research that linked between the use of bras on while sleeping with breast cancer. Here are some of the benefits:

Improves blood circulation in the breast.

Avoid skin irritation, some tight bra can cause irritation to your skin.

Avoid the potential causes of breast cancer, research is still being done and is currently still a debate. Clear on the breast blood circulation will be compromised when you wear a tight bra that is believed to be one of the causes of breast cancer.

Avoid sweating while sleeping, wearing a bra while sleeping will cause you to sweat especially those that have a tight enough and rubber materials.

The benefits of sleep without bras is indeed still a debate in the medical world, especially dependencies with cancer. But it's good you wear a bra while sleeping wisely so as not to undergo the risks mentioned above.

Tips On Wearing A Bra While Sleeping

If you are forced to use bras during sleep, it's good you follow these helpful tips.

Use a loose bra

Use the bra with the cool material

Open the catch on her bra while sleeping

3 these Tips is the basis for you to guide in using the bra on during sleep, but it's good if there's no resistance you release a bra while sleeping.

In addition to sleep without bra, indirectly sleep also is beneficial to the skin in order to look beautiful glow.

Beds Benefits For Beautiful Skin

Sleep is also very good for skin health. Here are some of the benefits:

Beautify Your Skin

Beautiful skin can occur due to an optimum regeneration of skin cells. How is it possible if you often sleep late? whereas the process of skin regeneration, optimized on while you sleep. Make it a habit to sleep enough every night before 10 and your skin breathe a sigh of relief.

Improve skin elasticity

The benefits of sleep makes the skin produces a hormone HGH (Human Growth Hormone) that will help natural elasticity of your skin naturally.

Prevent acne

Acne is certainly very annoying your appearance, because the acne inflamed middle will usually be marked. Before going on such a thing, start sleeping enough at night. Sleep may help prevent inflammation and insulin resistance that became the main causes of the incidence of acne. Don't forget to clean your face before going to bed.

Balancing A Budget And Saving Money

Your finances are your business. But unfortunately it seems like you need an accountant to help you understand and decode the mysteries of balancing a budget or saving money. At some point you might need to get a loan. When that day comes, this article can help you understand which is the right one to get.

An unsecured loan is simply a loan you get based on your good name and your credit rating. Often the interest rates are higher on an unsecured loan than on a secured loan because the risk is higher to the lending institution. If, for some reason, you are unable to pay back the loan and the lending institution does not get any money back. However, your good name and your credit rating are potentially ruined.

On the other hand, a secured load is a low you get when you put up some assets. The advantage of a secured loan is that you often get more money at a lower interest rate for longer repayment period that you would with an unsecured loan. This is because you have some assets to backup your loan. The lending institution prefers this kind of loan because if you find yourself unable to make payments, they can see your assets as an alternative form of payment. Because the risk to them is diminished they are able to provide you with more attractive loans at a better rate.

You might think of a mortgage as a secured loan. The bank lends you money to buy a home and they use the home as a way to back up the loan. If you do not make your mortgage payments, the bank can seize your house.

Or you can think of a secured loan as a pawn shop that lends you the money you want but lets you still use the goods you pawned!

So which one is the right one for you? It’s a tough decision to make. In most cases, a secured loan will get you a better rate, so you just might prefer that.

However, perhaps you don’t have any assets available, or you don’t want to risk the seizure of certain assets if you are unable to make payments. In this case, you just might not mind paying a little more for the benefit of having an unsecured loan.

Both unsecured and secured loans are good options to have when you are doing your financial planning. You can use them to consolidate your outstanding bills, leverage your home investments, or get the things you need and want. And, with the choices between unsecured and secured loans, you have the benefit of being in total control of your financial destiny!

4 Tips to Double Your Income

You might have come across marketing gimmicks that portray that by investing in it, you can double your investment. Such gimmicks have become the trend these days but in no way does it mean that such things are genuine. 90% of such things are a scam that you should be well advised to avoid it. For those people who are aware of how the financial market functions, probably know that though doubling their money in a single stroke is farfetched, certain steps can be taken to maximize their investments.

Whether you are a businessman or a salaried employee, having a substantial saving is imperative. You can't work your whole life. So, when you stop working, the money that you have saved throughout your lives will serve you well. For that to happen, you need to focus on the present. Proper planning is really important if you want to stay afloat and financially independent. Though the idea of doubling your money can set tongues wagging, you need to approach it cautiously.

Hold on to your investment

If you have a major investment, try to hold onto it. If you only think of the short term, you will not gain anything. If everyone had been hasty, the world wouldn't have witnessed personalities like Warren Buffett. He turned a meager $105,000 to a gigantic $50 billion empire.

Be aware and invest in stock market

Though the stock market fluctuates greatly, if you are wise enough, you can make a lot of money out of it. Don't think why share prices of a certain company are falling all of a sudden. If you think that the company has potential and gives you a return in the future, invest in it. But you do have to generalize yourself with all the varying aspects of the share market.

Real estate - a gold mine of sorts

One of the best ways to increase your return on investment is by investing it in real estate. Though the return is in the long term, it is substantial. Considering the soaring real estate prices these days, you can be guaranteed a return that's at least double your investment.

Win a lottery

If you are one of those who do not have the patience to wait around years to get their money back, just keep on buying lottery tickets until you hit the jackpot. It's not impossible as over the years people have made millions just by winning a lottery.

Article Source: http://EzineArticles.com/9188270

5 Occasions to Use a New York Limousine Service

While many people perceive a New York Limousine service as a luxury reserved for the wealthy, others are embracing the concept that a New York limo can be both cost effective and practical. Indeed, there are many occasions where a limo makes more sense than other forms of transportation. Here are five:

1. Airport Transportation

With the heightened security measures at airports across the country - and especially at New York airports - it's far too much of a hassle to drive yourself to the airport. When you have to park and drag your luggage to a shuttle and into the airport, it can add another hour to the time you have to allot for pre-boarding. Whether you're looking for JFK airport transportation, or need a ride to LaGuardia or Newark, a limo service can be just the ticket. You can go in style in a stretch limo, or opt for the more practical Town Car. If the whole family is heading to the airport, a limo in New York can be a seven-passenger van or even a 19-passenger limo bus.

2. Weddings

A stretch limousine in New York may be standard for the bride and groom, but a limo service can also be a godsend for the bridal party and even for out of town guests. The best limo companies have worry-free wedding packages and coordinators who can ensure that everyone will get to the church (or synagogue or mosque) on time - and then to the reception and back to their hotels.

3. Tours

If you're visiting the Big Apple and want to take in the sights, a New York limousine service can show them to you in style. Depending on the number in your party, you can use a limo, a sedan, a van, or a bus to enjoy all that New York has to offer. You can create your own itinerary, and rest assured that the driver will double as a professional tour guide. The best services provide complimentary refreshments and snacks, and even have drivers who can give tours in languages other than English.

4. Sporting Events

When you and your buddies are going to a game, the last thing you need is that hassle of driving and parking at the event. Plus, if you want to knock back a few beers, you certainly don't want to be behind the wheel after the game. A New York limousine can take you to Yankee Stadium, Madison Square Garden, or Flushing Meadows and back again in style.

5. Business Meetings

Whether you're in town for business, or are hosting out-of-town colleagues or potential clients, a New York limousine service can help ensure that attendees will get to your meetings on time. A good limo service has experienced drivers who are knowledgeable, discreet, and familiar with the needs of the business traveler. If needed, some limo services also have armored vehicles in their fleet.

This is just the tip of the iceberg, but rest assured that a New York limousine service isn't only for the wealthy. There are many occasions when a limo can take the hassle out of transportation.

Small Business Leadership: $200 for a New Customer

Attention: Small business owner or struggling salesperson

Are you sick and tired of looking at the wall while making phone call after phone call, only to find no prospect wants to talk to you about your offering?

Are you an experienced business owner or salesperson that used to generate business by knocking on doors or shaking hands at networking functions? Do you find that somehow in today's fast-paced world that's not working for you?

So are you ready to try something different?

Here's a valuable FREE gift, from me to you:

Visit a coffee shop close to your office. Or perhaps stop by a popular mom and pop restaurant. Think of any place you know where the patrons of a business are prospects that you would like to obtain as new customers. Envision yourself visiting a location wherein its customer base might have a need your product/service can meet or exceed.

And when you visited one of these places with clientele that you wish to serve, approach the manager politely and offer them $200 (or whatever amount you want). This may very well be the solution to all your referral and cold calling hiccups.

Here's an example: have the coffee shop manager agree that you'll pay $200 worth of coffee for the next 35-40 people who walk in. The only stipulation is that the manager allows you to:


Say hello to the patrons
Tell them that the coffee is on you today and
Share your business card with them AFTER they give you permission to hand them the card.



Don't shove your card on them. They will smell your commission breath. Just have fun. Don't push. Be personable!

Now slow down and honestly think about this: if you casually shook hands with 35-40 people in this laid-back environment that you created for yourself, how many of these people will eventually become your client? One person? Two people? Perhaps more? I'd be willing to bet that just one new customer is worth more than $200. Over the course of your career you probably have spent thousands of dollars on advertising and marketing. Most of it probably did not work.

This does work-try it now! And by the way, you have my permission to send me $200 or at least your story about how this simple concept worked for you.



Article Source: http://ezinearticles.com/expert/Marvin_LeBlanc/1019123

Tips: $300 + 10 Minutes a Day = $30,000?!?

We all know the saying, “work smarter, not harder”, but could it actually be possible to work THAT much smarter? Working only minutes a day and replacing, Exceeding your current Income? Don't worry, Its perfectly legal and people are doing it right this very second around the world!

Its FOREX Trading, and what you don't know, could be costing thousands of dollars.

Forex stands for Foreign Currency Exchange Market, commonly referred to as FOREX, FX, and 4X. You may be familiar with the stock market, but there are a few reasons Currency Trading can blow Stock Trading right out of the water!

There are 3 Major reasons why Currency Trading can out preform the stock market any day!

There Is a Very low Investment of only $300 dollars needed to start.  This is a lower investment when compared to the investment you would make with stocks, futures, or day trading. Of course you can start with something more than $300, but just start where you are, whatever that is and it will grow.

Forex is the most liquid market in the world so it offers a leverage of up to 100:1. The Stock Market offers 1:1 and and Futures 15:1. This gives your money awesome room to grow and gain even more leverage!

The Forex Market Open 24 hours a day and has a trading volume of almost 2 Trillion dollars a day. This makes the market trend well and technical analysis works pretty well too. You can focus your attention and analysis on one or two pairs of currency instead of the 40,000+ stocks in the Stock Market.


The Forex market is open 24 hours, can be accessed anywhere in the world with an internet connection, and can be the ultimate tool for building wealth. Make money working 10 minutes a day, or a few hours a day. Work day or night, and make money while the market is up or down. The Forex is flexible and can fit around anyones schedule!

Not sure you want to risk that $300?  Gain the experience you need by playing around with a free demo account, then when you feel ready open your first account and start building your wealth! What do you have to lose ?

Best Wishes

Maranda Mann

“11 Great Reasons why Smiling makes us More Successful!”

First: Our smile shows others people that we are friendly.
If a stranger approached you and gained eye contact with you and then treated you to a broad smile you will have a fairly good idea that they are being friendly and certainly mean you no harm.

By contrast we would find it far more difficult to offer trust to the stranger that wears a scowl or unfriendly face features.

Second: A smile can make people happy.
When someone treats you to a smile, even a stranger, you usually smile back.  For that moment you enjoy a flash of positive communication without saying a word. As you walk through a crowed area such as a main street you can do this hundreds times in a very short period of time.

When you smile at someone who is not already smiling and they smile back you have brought a moment of happiness into their lives which, who knows, could last all day.

Third: Smiling is infectious.
When you spend a lot in the company of someone who smiles a lot you will soon discover that their smile starts to wear off on you.  It is hard not to return a smile; most of us do it at a subliminal level without thinking.

Fourth: Smiling can make you popular.
Which type of people do you prefer? A person that has a tired and listless face. An expression that may reflect their inner thoughts of boredom and worry? Or, would you prefer someone who is always smiling and shows that they have an enthusiastic passion for life.

I think for the majority of us the choice would be obvious!

Fifth: Smiling can help you to make new friends
In the same way few of us would choice a miserable person for a friend. Lets face it we all want someone who is going to be bubbly and a happy and positive.

Sixth: A smile is usually returned
When someone smiles back at you it make you feel good inside. You have just made a short but very positive communication and possibly the first step in the process of getting to know or making friends with someone new.

Seventh: Smiling makes you positive and happy inside.
When you smile it is hard to feel unhappy, negative or sad in anyway. Smiling gives you enthusiasm and drive, it is also habit forming.

Eight: A smile makes you look far more attractive.
You don’t see many celebrities or media personalities that are not smiling because if you did it is fairly certain that their popularity would quickly start to drop!

Ninth: Smiling also helps make you memorable to others!
Have you noticed that smiling people are usually far more memorable than those that are not? It is fact that you are 3 time more likely to remember the person that is smiling over the one that is wearing a negative or neutral features.

Tenth: Most importantly, smiling is good for your health!!!
When you are smiling you find whatever you are doing far easier. It releases stress, worry and tension that you may have built up throughout the day. Long term, developing the smiling habit will be one of the smartest things that you can do to improve most aspects of your life.

Eleventh: The effects of smiling can last for hours
Whatever problems and challenges you have in your life, smiling temporary puts them and hold.  For a while you forget the problems and become positive, and while you are in a positive state you have far more potential and power to advance and improve your life.

Lastly: Smiling is FREE!
You are never going to run short of smiles and will always have enough to go around.  When you weigh up the positive points of smiling it is a no brainer decision to do far more smiling and share them with as many people as possible.

Keep smiling.

Are You Sick and Overweight? Your Diet Could Be the Problem

Every five years or so there seems to be a new fad diet that becomes the craze. Low-carbohydrate diets currently hold that spot. The popularity of fad diets is their ability to assist the individual with quick weight loss. Some people who want to lose weight are so desperate that they will try anything. Many of these diets do result in weight loss. The problem is that they may cause rebound affects in the form of more weight gain or worse, cause you to develop a health issue or to become vitamin deficient.

The problems that can occur when you are on a fad diet can range from mild to severe. Mild symptoms include diarrhea, nausea, and headaches. Severe symptoms that you may develop from a fad diet include heart disease, high blood pressure, and high triglycerides. What further complicates the issue is that most people will not know they have a problem until the condition progresses to a dangerous level. This is one of the reasons any diet modifications should first be discussed with a medical doctor.

Of course, the best method for weight loss is to lessen the number of calories consumed and increase the number of calories burned so that no more than two pounds per week are lost. This method takes time and people who want to lose a significant amount of weight may become impatient. There may be the possibility that your weight gain is associated with some health condition. There is good news for people in this situation.

The reason many people aren't successful on fad diets is because the diets are typically not good sources of long-term nutrition. Your body will crave the nutrients that it is missing. Unless you are on a restrictive diet advised by your doctor, it is best to avoid diets that limit a particular food group. A diet that consists of fruits, vegetables, dairy products, grain, as well as fats is the best way to lose weight. These foods are low in calories and are also beneficial in keeping your body healthy. A multivitamin that contains high amounts of chromium and calcium may assist you with losing weight. These two elements help your body metabolize fat, which is necessary for weight loss. As with fad diets, you should consult with your doctor before taking a multivitamin with high doses of these elements.

To check out the supplement we take daily and highly recommend, be sure to check out http://www.nutritional-supplement-guides.com/what-we-use.html

A Nutritious Diet while Traveling

Sticking to a nutritious diet while traveling can be one of the more difficult things to do. However, if you learn how to make smart choices, a healthy diet is really not that difficult. It’s probably not the best time in which to start a healthy diet, but if you are currently making healthy choices in your foods already, modifying your diet slightly to accommodate travel, is not as difficult as it first may seem.

If you are traveling by airplane, your diet may have to include airplane food, which can often be of poor nutritional value, depending on the selection. When you book your flight, ask about your food options, ask if a vegetarian dish is available? Vegetarian dishes are sometimes more nutritional in this case, but it really depends on what they may be serving. If you can, eat a larger meal before your flight, so that you don’t have to eat the entire meal that is served, to feel full.

When driving or taking a bus, you may be tempted to stop at fast food restaurants and eat the meals found there. Avoid this whenever possible! If you’re on vacation, you may wish to splurge a tiny bit, but having fast food more than once during a week can really be bad for your health. If you must, choose the healthiest options available, like chicken breasts and diet soda.

Also, remember that you can take your own meals when traveling. Carrying a loaf of whole-wheat bread or pita wraps, some lean lunchmeat, and low-fat cheese in a cooler is a great way to avoid high-fat and high-cholesterol junk food meals. These are much better choices and you’ll save a lot of money as well. Call ahead to ask if there will be a refrigerator in your hotel room.

Lastly, make smart choices when you eat out. If you choose salads or pasta get the dressing on the side and ask about low-carb options. In fact, many places print these dieting options directly in the menu for the health-conscious people. Control your portions by ordering lunch menu sizes or splitting the meal in have and getting a doggie bag, and you’ll be well on your way to healthy eating, even away from home.

Yes, eating healthy foods when you travel can be a challenge. However, your health is worth it. Eating meals high in nutrition will also assist in fighting illnesses that you are likely to encounter when traveling and you will find yourself more alert so that you can enjoy your trip.