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admin 4:23 pm on August 15, 2010 Permalink | Reply

Investment

Dining on a Dime: Local Deals
Cooking at home is the best way to save cash, but it’s nice to go out sometimes, too. Check out Frugal Foodie every Friday for a selection of the latest coupons for casual and fancy fare. This week, we focus on local deals from around the country: specials on smoothies, restaurant discounts, buy one – get one free burgers, and more! (More …)

admin 4:23 pm on August 15, 2010 Permalink | Reply
Finance

Coupon: 40% off at Levi’s
Use coupon code at checkout to get 40% off one regular priced item at Levi’s.
Deal: Use coupon code at checkout to get 40% off one regular priced item at Levi’s.

Code: ACTIVE2010

Expires: Ongoing

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Source: dailysavings.allyou.com

Avoid buyer’s remorse
The scenario: In an effort to save money, you window shop and wait for the sale. After weeks of “just looking”, you get itchy to buy and splurge. Without fail, the item goes on sale within days of the purchase and you’re struck with a terrible case of buyer’s remorse. It is as if the [...]
The scenario: In an effort to save money, you window shop and wait for the sale. After weeks of “just looking”, you get itchy to buy and splurge. Without fail, the item goes on sale within days of the purchase and you’re struck with a terrible case of buyer’s remorse. It is as if the store is out to get you. Sound familiar?

This exact thing happened to me this morning. After splurging a little on some items from Gap.com yesterday, I got an e-mail in my inbox announcing that Gap, Old Navy and Banana Republic are holding a 30% off sale starting today. In an effort to break the pattern, I promptly called customer service. Not only did I get the 30% discount for the items I purchased before the sale started but they threw in free shipping!

Lesson learned: Calling customer service took me 10 minutes and was worth the effort; the next time this happens to you give it a try. In the meantime, check out the Gap sale, you can save 30% and get free shipping with the code SAVE30.

Posted by Kelly Stoddard, ALLYOU.com

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Source: dailysavings.allyou.com

Budget Recipe of the Day: Orange Beef and Broccoli Stir-Fry
At $1.52 a serving, this delicious stir-fry is cheaper than take-out. It only takes 15 minutes to go from prep to table, so you can spend time doing things you actually want to do tonight, like playing outside with the kids. Recipe: Orange Beef and Broccoli Stir-Fry More 15 minute recipes ShareThis

At $1.52 a serving, this delicious stir-fry is cheaper than take-out. It only takes 15 minutes to go from prep to table, so you can spend time doing things you actually want to do tonight, like playing outside with the kids.

Recipe: Orange Beef and Broccoli Stir-Fry
- More 15 minute recipes
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Source: dailysavings.allyou.com

Get free toothpaste with Burt’s Bees purchase
Right now they’re offering a free tube of their new whitening toothpaste and signature lip balm with every $35 purchase.
I discovered Burt’s Bees a few years ago when I ran out of lip balm. The super cute packaging drew me in initially and the awesome products kept me coming back for more. My current favorite, the Beeswax & Banana Hand Crème, is über rich and creamy and smells good enough to eat. Right now they’re offering a free tube of their new whitening toothpaste and signature lip balm with every $35 purchase. While you’re stocking up, or just browsing for fun, be sure to enter to win a trip for two to Brazil! No purchase necessary, just enter your name, address and email information.

Posted by Lisa Brown, All You

SEE ALSO:
Budget beauty guide: Summer tips

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Source: dailysavings.allyou.com

FREE beauty products: Recycle and get rewarded
Organic facial cleansers, natural mascaras, it seems like “green beauty” is all the rage. To many beauty companies, though, green beauty means more than using natural ingredients. Cosmetics companies are making packaging from recyclable materials and even going as far as accepting their empty packaging to be recycled. Origins has just taken their commitment to [...]

Organic facial cleansers, natural mascaras, it seems like “green beauty” is all the rage. To many beauty companies, though, green beauty means more than using natural ingredients. Cosmetics companies are making packaging from recyclable materials and even going as far as accepting their empty packaging to be recycled.

Origins has just taken their commitment to Mother Earth a step farther with the introduction of the Return to Origins Recycling Program. Origins will give out FREE samples of its skincare products to any consumer who brings in empty packaging to be recycled. All you have to do is bring in empty cosmetics bottles, tubes or jars from any brand to an Origins retail store or department store counter across the US. Origins will recycle the packaging for you and give you a free skincare sample of your choice. To find out more about the program, or to find an Origins store near you, click here.

Posted by Kelly Stoddard, ALLYOU.com

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Source: dailysavings.allyou.com

Back-to-School Deals: Get $10 off at JCPenney
From now until August 14th, you can get $10 off on orders of $50 or more at JCPenney.com. Just use the code BTS4YoU at checkout to save on everything from bedding for dorm rooms to backpacks. Before you shop, be sure to check out our list of supercool back-to-school supplies that every kid is sure to [...]
From now until August 14th, you can get $10 off on orders of $50 or more at JCPenney.com. Just use the code BTS4YoU at checkout to save on everything from bedding for dorm rooms to backpacks.

Before you shop, be sure to check out our list of supercool back-to-school supplies that every kid is sure to love.

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Source: dailysavings.allyou.com

Alicia: Dancing, debt free and in love.
This is Alicia’s 4th post in our Customer Blogger series. Read her previous post here. Walking down the aisle doesn’t have to be a drain on your bank account. There’s no reason to dip into the red, unless we’re talking about a fab pair of kitten heels that match the sash around your waist. Despite what [...]
This is Alicia’s 4th post in our Customer Blogger series. Read her previous post here.

Walking down the aisle doesn’t have to be a drain on your bank account. There’s no reason to dip into the red, unless we’re talking about a fab pair of kitten heels that match the sash around your waist. Despite what every bridal magazine, website, and movie tells you, having an awesome wedding has very little to do with how much money you spend.

I can’t say, like many little girls, that I dreamed of my special day in a big white dress. Though I do love bridal magazines for the style, beauty, and glamour, I have a rule that can only be broken for a house and, in dire circumstances, a car.

The Rule: Never buy anything you cannot pay for in cash.

Never. Anything. Not even the gorgeous dress I had seen in a magazine and despite one of my bridesmaids cooing, “Ooh Alicia, this is the one day it’s okay to splurge,” I put it back on the rack and kept shopping.

While I’m not aiming to convince you to give up your dreams, here are some highlights of my debt-free dream wedding:

The Dress: $99

Despite shopping in Europe during the summer, I purchased my dress from a small local store. I took it off a mannequin. It fit me and my budget perfectly, and I was sold. Some people call that fate.

The Venue: $300

Ocean Springs Community Center is a work of art, literally. Artist Walter Anderson painted a giant mural on the walls. Because this work of art is worth millions, you’re not allowed to hang anything. So besides some poinsettias on the stage, we didn’t have to spend money decorating, nor did we have to rent tables and chairs as they were included with the venue rental. We were also not bound to use a caterer, even for the alcohol, so my in-laws gave us a glorious present of supplying alcohol for the wedding via a store in town.

The Cakes: Homeade and delicious

The night before the wedding I held a cupcake decorating party. My bridesmaids and I had baked several batches of cupcakes, and then we gathered together with family to decorate them. This ended up being a wonderful way for the children to be included in the wedding preparation. Everyone got a few cupcakes to decorate however they wished, and we were done in less than an hour. As a wedding present to us, my parents bought the cakes that sat on top of the platters as well as the platters themselves.

The Flowers: $90

I ordered the flowers online in bulk. They were delivered the day before the wedding. I bought the ribbons, pins, floral wire, and floral tape at a craft store. In the sleepy haze following my bachelorette party at the Hard Rock Casino the night before, I easy made almost all of the bouquets myself with help from my maid of honor.

I won’t say we made compromises because we had way too much fun for the negativity “compromise” implies. We simply made choices that were bank account friendly—and also created one of the most fun and meaningful nights of our lives.

To the beat of an iPod, we danced all night long. And a whopping two and a half years later, we’re still dancing, debt free and in love.

Source: wethesavers.ingdirect.com
admin 4:23 pm on August 15, 2010 Permalink | Reply

Smart money

Back to School After a Layoff? Don’t Forget Financial Aid
You’ve been laid off and want to return to school. It’s a path many unemployed consider.But many unemployed — especially those who’ve lost their jobs within the past year, encounter a problem when it comes to qualifying for financial aid. (More …)
admin 4:23 pm on August 15, 2010 Permalink | Reply

Smart money

“It’s Not About Real Estate, It’s About Consumer Behavior Changing”
If you didn’t catch it yesterday, Chris from TechSavvyAgent presented a fascinating interview with The Goodlife Team‘s CEO Krisstina Wise and CTO Jack Miller. This video is a must see, although most likely you’ll be pausing and replaying it over and over again to catch all of the gems of wisdom presented. For example, on [...]

If You Build It…Do It Elsewhere
The economy does some strange things to people. Sometimes, it makes them a bit more practical, if not confused. In a new study, 68% of people are now “more likely to support new projects in their hometown in light of the current economic situation,” a 10% increase from 2006. Agent Genius discusses the flux of [...]

What really leads to success?
If you’re wondering what really leads to success, you’re not alone. Richard St. John tells the story on this video how he was once asked by a young girl, “What really leads to success?”. Even though he had achieved success, he couldn’t tell her how he did it. To answer her question he spent 10 years interviewing [...]
If you’re wondering what really leads to success, you’re not alone. Richard St. John tells the story on this video how he was once asked by a young girl, “What really leads to success?”. Even though he had achieved success, he couldn’t tell her how he did it. To answer her question he spent 10 years interviewing over 500 successful people, including Martha Stewart, Richard Branson, Russell Crowe, and the Google founders. After analyzing all the data, Richard discovered the 8-Traits that lead to great success.

The video summary is worth checking out!

Las Vegas Housing Inventory Goes Up
Las Vegas Housing Market July 2010 This link is the latest in my video blogging about the Las Vegas Housing Market for July 2010. Take a look! Housing Market Highlights: The total number of SFR units sold in July 2010 was 2,948. This is a -12.3% change from June 2010 closings, or 412 fewer SFR [...]

Google Alerts – what is the online world saying about you?
Why waste time googling your company’s name to see what’s been said about you, when you can set up google alerts (it’s free and easy to set up) and receive email updates (on time, daily or weekly) based on your search terms. Google alerts are a great way to keep track of any mention in the [...]
Why waste time googling your company’s name to see what’s been said about you, when you can set up google alerts (it’s free and easy to set up) and receive email updates (on time, daily or weekly) based on your search terms.

Google alerts are a great way to keep track of any mention in the media of your company, your product… your service description… your industry, your own name…the book you wrote… your heroine…. kind of like your own media clipping service – very cool!

You’re Suspect, Google & Verizon
Your desktop computer is safe for now, but watch out for your smart phone. Yesterday, the much-anticipated Google-Verizon “deal” was announced. And, as it turned out, the rumors of a Google-Verizon collusion deal to kill net neutrality were much ado about nothing. Instead, Google CEO Eric Schmidt and Verizon CEO Ivan Seidenberg made what they [...]

Tips to Settle in Safely
When you buy a home, there will be many jobs to accomplish, from changing your address and having your utilities shut off at your old residence to cleaning and unpacking at your new home. Don’t overlook these important tasks to help ensure your safety: *Immediately have the locks changed. You never know how many contractors, [...]

The Energy Efficient Home
There is an old tried and true saying that goes, “you have to spend money to make money.”But it’s just as true that you often have to spend money to save money. In these days of increasing energy costs, and a strong focus on recycling and global warming, the so-called eco-friendly or “green” home concept [...]

Property Default Solutions, Inc. offers complete REO services
REO-Benefit has spun off it’s asset management business, now called Property Default Solutions, Inc (PDS). PDS Inc is asset management company offering a full array of services for the management and disposition of non-performing real estate and loan assets. PDS Inc is based out of Orange County, Ca. and caters to banks, mortgage servicers and mid-sized to large home [...]
admin 4:23 pm on August 15, 2010 Permalink | Reply
Making money

A great first week
I wanted to post a quick thank-you for the fantastic first-week reaction to our new site for banks and credit unions, GetSpringboard.com. I somehow expected that the Thanksgiving holiday in the U.S. would make the first week slow and easy. I was wrong! George Pasley perfectly nailed why we’re excited about GetSpringboard.com: Wesabe is doing [...]
I wanted to post a quick thank-you for the fantastic first-week reaction to our new site for banks and credit unions, GetSpringboard.com. I somehow expected that the Thanksgiving holiday in the U.S. would make the first week slow and easy. I was wrong!

George Pasley perfectly nailed why we’re excited about GetSpringboard.com:

Wesabe is doing something that is unheard of in the financial industry. They are offering an online, consumer facing banking product that a FI can have up and running in HOURS. Think about that for a moment. Your FI’s CIO could go the Springboard website, select the plan she wants, break out the corporate credit card, and have an online PFM product running for their customers in a day or two at most.

I don’t know of another banking tech vendor that offers implementation like this. No salesperson to haggle over features and pricing. No project manager to coordinate all the departments needed to make it happen. Just five minutes to fill out the registration form.

Yup. That’s exactly what we’re doing. And the reaction has been amazing. Our guess that everyone likes convenience and low cost — even bankers — turns out to be spot on. Thanks for the great write-up, George.

As a reminder, we have a special offer for the rest of 2009: sign up for any plan and you get the price of the next lowest-priced plan for the life of your subscription. You can save up to $10,000 a year for as long as you use Wesabe Springboard, but only if you sign up before December 31st, 2009. Don’t miss it.

We’re really happy with how many people have reacted — and acted — so enthusiastically to this new launch. Thank you. We’re working hard to make the site even better for you, your members, and all users of Wesabe services.

Happy Birthday, Wesabe!
Three years ago today, November 17th, 2006, we launched the Wesabe site to the public for the first time. We were the first of what has become a wide and varied field of online personal finance applications. Our site has changed a ton since our launch, too, as we’ve learned from our users and the [...]
Three years ago today, November 17th, 2006, we launched the Wesabe site to the public for the first time. We were the first of what has become a wide and varied field of online personal finance applications. Our site has changed a ton since our launch, too, as we’ve learned from our users and the market.

I was asked the other day whether I thought that online personal finance applications are now a “defined” market — that is, have the borders of the space been set and is all that is left figuring out who can get the most users. “Uh, no” was all I could think to say. Are consumers’ financial lives somehow solved? Is it somehow the case that people worry substantially less about money now than they did? Has our much-publicized space solved money in the way Google solved search or Amazon solved books?

No, we haven’t. Neither Wesabe nor anyone else has made the personal finance app that we set out to build: one that makes people’s financial lives so easy that they no longer list money as their number one stress in life. There’s still so much more to do.

Wesabe has spent the last six months solidifying and perfecting the core part of our app, and we’re happy with the results. We think we have a great app and a great basis for building more. But don’t think our fourth or fifth birthday will look like our third. We know all Wesabeans, and consumers everywhere, need far more, and we can’t wait to show you what the next year will bring.

Thanks to everyone who has supported Wesabe for the past three years. The messages you post in Groups and on Twitter and send to our support line every day, telling us how Wesabe has helped you and made your lives better, are what bring us to work every day. They are more reward than any other we could ask for. Thank you.

Wesabe is discontinuing its Accounts tab as of July 31st
Dear Wesabeans, I am deeply unhappy to have to announce that Wesabe will be discontinuing our Accounts tab, and all of the related personal finance tools we offer, as of July 31st, 2010. The Groups tab, which hosts discussions on personal finance topics, will remain online indefinitely. A FAQ about this shutdown is available below. [...]
Dear Wesabeans,

I am deeply unhappy to have to announce that Wesabe will be discontinuing our Accounts tab, and all of the related personal finance tools we offer, as of July 31st, 2010. The Groups tab, which hosts discussions on personal finance topics, will remain online indefinitely. A FAQ about this shutdown is available below.

You will be able to download all of your data from now until July 31st by visiting our export page. After that date, we will delete all data and all credentials we hold for security and privacy reasons. If you prefer, you may delete your membership immediately or at any time before July 31st.

We are planning to offer additional tools for export and use of your data. Future blog posts will go into more detail as we have it ready.

In recent months Wesabe has been operating on a shoestring budget, with support from some of the developers and operations people who made up our core team. While the site has remained online and we continue to hear from people who find it helpful, we have not been able to provide the support people need to use it for something so central as financial management. I’ve felt especially terrible that some members have a good initial experience but then hit a problem, often after investing many hours, and aren’t able to get help with it. That’s obviously a bad experience, and not what we want to offer. Also, because Wesabe stores such highly sensitive data, continuing to operate the service with shoestring operations and security staff is not acceptable, and we do not want to continue accepting new accounts if we cannot guarantee the security level we believe our service requires.

Wesabe Groups is easier to host on a low-cost basis, and one of our customers has agreed to fund its continued service. I have always been amazed by how fantastic the conversations in Groups are — supportive, constructive, and unique. While many or all of the features of our Accounts tab are now available on other sites, our competitors have either dismissed the value of community, or have not been able to create a community as rich as Wesabe Groups, so I’m very happy we are able to keep that part of the service going.

I have had a wonderful time working on Wesabe and have been gratified by the many messages we get from members telling us how helpful it has been. The past five years have been an amazing ride. Of course I wish things had turned out differently and I would not have needed to write this post, but I’ve enjoyed my job for these years more than anything before it. The people we worked with, the people who supported us, the reward of helping even some people have better financial lives, all of that is irreplaceable. Thanks to everyone who has made Wesabe possible.

We will answer as many questions as possible about the planned shutdown in this Groups thread and update the FAQ as needed.

Marc Hedlund, CEO, Wesabe

FAQ
- What is being shut down?
  
  On July 31st, 2010 (at 10pm Pacific time), we will turn off access to the Accounts and Dashboard tabs, as well as the iPhone application, Firefox extension, Desktop Uploader, Mac and Vista Desktop Widgets, and Twitter integration. Only the Groups tab will remain online.
- What will happen to my financial data?
  
  Between now and July 31st, if you want to keep a copy of the data you have uploaded to Wesabe, you MUST DOWNLOAD YOUR DATA from the site (see our export page for instructions). After July 31st, we will delete all financial data from our database, delete all backup copies of that data, and destroy the hard drives on which that data was stored.
- What will happen to my financial institution credentials?
  
  All users’ financial institution credentials will be deleted as of July 31st.
- Will you sell or give my financial data or credentials to anyone but me before you close the Accounts tab?
  
  No, absolutely not, nor have we ever done so.
- What can I do with the data I export?
  
  Any spreadsheet program, such as Excel, Google Spreadsheet, or Numbers, can read the CSV export files we offer. In addition, we are working on an added export option and an open source package that would allow you to read and use your own data from Wesabe. More details will be posted on our blog when available.
- What if I need help with my accounts before I download them?
  
  Realistically we are not able to offer individual support. If you have a problem with export, please post about it in this Groups thread, and we will work to fix any wide-spread problems.
- What if I have questions not answered here?
  
  Please post questions in this Groups thread.
admin 4:23 pm on August 15, 2010 Permalink | Reply

Smart money

Matt: For Babyacolypse 3, money is top of mind.
We asked our Customer Bloggers to share how often they think about money and saving. Matt, father of two with a third on the way, reflects on his preoccupation with money. Click here to read his previous blog posts. How often do you think about money and saving? Do you ever escape it, [...]
We asked our Customer Bloggers to share how often they think about money and saving. Matt, father of two with a third on the way, reflects on his preoccupation with money. Click here to read his previous blog posts.
How often do you think about money and saving? Do you ever escape it, or is it always lodged in your subconscious?

There was a time when I didn’t think about money. I didn’t have any, so why bother thinking about it? I lived simply and if I couldn’t afford something, I must not need it that bad. I didn’t have much but as long as I could put gas in the car and food on a plate, things were good.

Holy crap things have changed.

These days, I think about money and saving all the time. How can I make more money? Are we saving enough? Are we saving too much? Why am I talking to myself? This is just an example of the constant stream of thoughts that are going through my head. My wife and I have done a lot of work over the past year trying to quiet those voices. We’ve gotten a lot of stuff paid down, we’re saving more than ever before, we’re trying to be more frugal and thoughtful about how we spend our money. And I have to say that for a family with two kids and a mortgage, we’re doing pretty okay. As long as nothing upsets the balance, those voices stay pretty quiet.

Cue third baby. And cue panic. And turn up the volume on those voices.

Having a third kid has put my money brain into hyperdrive. This is almost as big of a game changer as having one kid was. Another kid means we need a bigger car. Another kid means we need a bigger house. And lest we forget clothes, food, daycare…all of this stuff that’s dependent on money.

So yeah. Money and savings is a little top of mind. I’m sure we’ll figure it all out and things will get back to normal, but right now I’m a little preoccupied.

Before Babyacolypse 3: The Re-kiddening, we had set ourselves up for success. And we really didn’t have to think about it that much. And I think that’s how money and savings should work. Educate yourself, know what you need and how much you need. Learn about savings, investing, and plan for your future. And if you set yourself up correctly, you DON’T have to think about it that much. And I think that’s the best position to be in.

I’m sure we’ll get there again, and we’re equal parts excited and anxious about this little bundle of debt. But I think it’s going to be a while before those voices quiet down again.

How To Mobilize Your Brand: Part One
These days, telephone service providers, are not the only companies gone mobile. From the use of wrapped vehicles by recording artists or their labels to IKEA’s mobile bedroom display on wheels, companies are realizing the benefits of making their brand both portable and engaging.
These days, telephone service providers, are not the only companies gone mobile. From the use of wrapped vehicles by recording artists or their labels to IKEA’s mobile bedroom display on wheels, companies are realizing the benefits of making their brand both portable and engaging.

Different from traditional forms of media like a marquee, billboards, radio, television, and print publications, mobilizing a brand is a two-part (A and B) approach to remaining both relevant and salable in a technology-driven marketplace. In addition to using traditional forms of branding, mobilizing a brand is a vital investment.

The A approach to mobilizing a brand involves using an abstract platform to generate interest in a product and/or physically engage end users with a brand. People and objects draw attention to a brand as do motion, sound, and scent. IKEA’s use of mobile rooms complete with live models for example, provides eye-catching interior design ideas to prospective customers especially during peak drives times.

The B approach to mobilizing a brand involves making a brand transportable via laptops, iPods, PDAs, gaming consoles, cell phones, mass transit and, more ingeniously, widgets (software modules shared on social networking sites).

A healthy balance between the two can increase brand awareness, which if effective, will convert to an increase in sales.

One industry that has a handle on mobilizing brands is the fashion industry. Driven by advice from notable fashionistas, and changes in styles seen on favorite celebrities, consumers are easily convinced to invest in the latest fashion brands.

While placing fashion brands on ever-moving body parts does the industry well, in between trade and seasonal fashion shows, designers maintain interest in their brands by reiterating concepts via print and virtual ads. In-store video monitors and music at retail outlets further define brand experiences.

U.S. retailer, Metropark incorporates the (live) DJ element of Hip Hop to stimulate the buying experience for shoppers. Other accents? A cooler with drinks for parched shoppers, leisure seating for shot-gun shoppers (people who come along for the ‘ride’ but don’t shop), and picture this, video screens in fitting rooms replete with commercial displays, which stimulate buying senses to the nth degree.

According to Metropark, the store is the “decisive lifestyle-shopping destination for today’s trend setting young adults, blending fashion, music, and art to offer a rare and inspiring shopping experience.” In a modified form, fans of the brand can repeat their in-store experience and love for fashion, music, and art online.

What sights, sounds, scents, colors and concepts and even tastes and feelings are unique to your brand? Use each element to create an unforgettable mix or experience then put them in motion!

It always seems impossible until its done – Nelson Mandela

The Incredible Brand of Mr. & Mrs. Smith
You know him as the “Fresh Prince of Bel Air”; She is Niobe from the hit Matrix films. Together, they are Will Smith and Jada Pinkett-Smith—Hollywood couple extraordinaire. To say that these two have achieved the status of “Hollywood Power Couple” would be an understatement. Individually, these two have racked up quite an impressive roster of films. Will has a mile-long list of blockbuster movie hits.
You know him as the “Fresh Prince of Bel Air”; She is Niobe from the hit Matrix films. Together, they are Will Smith and Jada Pinkett-Smith—Hollywood couple extraordinaire. To say that these two have achieved the status of “Hollywood Power Couple” would be an understatement. Individually, these two have racked up quite an impressive roster of films. Will has a mile-long list of blockbuster movie hits.

His cherubic good looks and squeaky-clean image have earned him a permanent place in the hearts of millions. And Jada isn’t too far behind; the pint-sized beauty is famous for her gritty film and TV roles.

Outside of their film personas, their other career pursuits are equally remarkable. Will and Jada have created a veritable empire based on their incredible mass appeal. Children’s books, fashion labels, the UPN sitcom (“All of Us”), and entertainment company– these are just some of the Golden Couple’s lucrative business pursuits. They have a huge stake in Carol’s Daughter beauty products and are the founders of the Will and Jada Smith Foundation (aptly named) that helps inner-city families.

To be frank, diving into the long list of business ventures that these two are involved in would probably require several hours. What is it about these two that makes them so attractive to the business world? Being a triple threat in the entertainment industry certainly helps. The endearing way they present their “imperfections” is probably what goes a long way in securing the trust of both colleagues and fans alike. Indeed, the couple’s fairytale lifestyle is a lot more accessible to outsiders than that of other celebrities.

When you can earn the trust and respect of millions, it’s easy to get people to buy into whatever product you’re pushing—especially when that product happens to be the machine that is Mr. and Mrs. Smith.
admin 4:23 pm on August 15, 2010 Permalink | Reply

Making money

FHA Upfront Mortgage Insurance reduced for Santa Clara First Time Home Buyers
FHA today announced reduction in upfront Mortgage Insurance Premium (UFMIP) for Santa Clara county First Time Home Buyers and FHA Streamline Refinance on Bay Area homes. The announcement today will reduce the upfront mortgage insurance premium to 1% from the current 2.25%. At the same time, the annual mortgage insurance premium currently at .55% for [...]

Las Vegas Housing Inventory Goes Up
Las Vegas Housing Market July 2010 This link is the latest in my video blogging about the Las Vegas Housing Market for July 2010. Take a look! Housing Market Highlights: The total number of SFR units sold in July 2010 was 2,948. This is a -12.3% change from June 2010 closings, or 412 fewer SFR [...]

Leica iPhone 4, It’s Not Built to Last
When the iPhone 4 was unveiled (at its official launch, not the Gizmodo leaks), Steve Jobs compared it to “a beautiful old Leica camera.” You know, one that’s prone to breakage and antenna issues. Not to sound like an old man, but, well, they just don’t make ‘em like they used to. I’m not alone [...]

Tips to Settle in Safely
When you buy a home, there will be many jobs to accomplish, from changing your address and having your utilities shut off at your old residence to cleaning and unpacking at your new home. Don’t overlook these important tasks to help ensure your safety: *Immediately have the locks changed. You never know how many contractors, [...]

“It’s Not About Real Estate, It’s About Consumer Behavior Changing”
If you didn’t catch it yesterday, Chris from TechSavvyAgent presented a fascinating interview with The Goodlife Team‘s CEO Krisstina Wise and CTO Jack Miller. This video is a must see, although most likely you’ll be pausing and replaying it over and over again to catch all of the gems of wisdom presented. For example, on [...]

Bye Bye Free Wi-Fi?
A few years back, I stopped going to my local coffee shop to write and started going to the Starbucks across the street from me. It wasn’t because the coffee was better, or the people friendlier at the coffee conglomerate. It was because there was no internet access at Starbucks. Those days are now long [...]

You’re Suspect, Google & Verizon
Your desktop computer is safe for now, but watch out for your smart phone. Yesterday, the much-anticipated Google-Verizon “deal” was announced. And, as it turned out, the rumors of a Google-Verizon collusion deal to kill net neutrality were much ado about nothing. Instead, Google CEO Eric Schmidt and Verizon CEO Ivan Seidenberg made what they [...]

If You Build It…Do It Elsewhere
The economy does some strange things to people. Sometimes, it makes them a bit more practical, if not confused. In a new study, 68% of people are now “more likely to support new projects in their hometown in light of the current economic situation,” a 10% increase from 2006. Agent Genius discusses the flux of [...]

The Energy Efficient Home
There is an old tried and true saying that goes, “you have to spend money to make money.”But it’s just as true that you often have to spend money to save money. In these days of increasing energy costs, and a strong focus on recycling and global warming, the so-called eco-friendly or “green” home concept [...]

Property Default Solutions, Inc. offers complete REO services
REO-Benefit has spun off it’s asset management business, now called Property Default Solutions, Inc (PDS). PDS Inc is asset management company offering a full array of services for the management and disposition of non-performing real estate and loan assets. PDS Inc is based out of Orange County, Ca. and caters to banks, mortgage servicers and mid-sized to large home [...]
admin 4:01 pm on August 15, 2010 Permalink | Reply
Investing

Back-to-school Deal: Get 20% off at Gap and Old Navy
For today only, online shoppers can snap up great deals on school clothes at Gap, Old Navy and Piperlime Kids by using the code KIDS20. All you have to do is enter the code at checkout and you’ll get 20% off your entire purchase, excluding jeans. Parents can save even more money with our back-to-school [...]
For today only, online shoppers can snap up great deals on school clothes at Gap, Old Navy and Piperlime Kids by using the code KIDS20. All you have to do is enter the code at checkout and you’ll get 20% off your entire purchase, excluding jeans.

Parents can save even more money with our back-to-school guide. We’ve got all the information on how to stretch your budget and give your kids a head start on school this year.

Posted by Kelly Stoddard, ALLYOU.com

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Source: dailysavings.allyou.com

Happy Birthday, Wesabe!
Three years ago today, November 17th, 2006, we launched the Wesabe site to the public for the first time. We were the first of what has become a wide and varied field of online personal finance applications. Our site has changed a ton since our launch, too, as we’ve learned from our users and the [...]
Three years ago today, November 17th, 2006, we launched the Wesabe site to the public for the first time. We were the first of what has become a wide and varied field of online personal finance applications. Our site has changed a ton since our launch, too, as we’ve learned from our users and the market.

I was asked the other day whether I thought that online personal finance applications are now a “defined” market — that is, have the borders of the space been set and is all that is left figuring out who can get the most users. “Uh, no” was all I could think to say. Are consumers’ financial lives somehow solved? Is it somehow the case that people worry substantially less about money now than they did? Has our much-publicized space solved money in the way Google solved search or Amazon solved books?

No, we haven’t. Neither Wesabe nor anyone else has made the personal finance app that we set out to build: one that makes people’s financial lives so easy that they no longer list money as their number one stress in life. There’s still so much more to do.

Wesabe has spent the last six months solidifying and perfecting the core part of our app, and we’re happy with the results. We think we have a great app and a great basis for building more. But don’t think our fourth or fifth birthday will look like our third. We know all Wesabeans, and consumers everywhere, need far more, and we can’t wait to show you what the next year will bring.

Thanks to everyone who has supported Wesabe for the past three years. The messages you post in Groups and on Twitter and send to our support line every day, telling us how Wesabe has helped you and made your lives better, are what bring us to work every day. They are more reward than any other we could ask for. Thank you.

Source: blog.wesabe.com

Starbucks Deal: It pays to be caffeinated
Do you have a twice-a-day coffee habit? If so, Starbucks has a deal for you. Keep the receipt from your morning visit, and if you return after 2 p.m. with it, you’ll get a cold “grande” beverage (16 oz.) for $2. So when you need that afternoon pick-me-up, you can grab a cold one without [...]
Do you have a twice-a-day coffee habit? If so, Starbucks has a deal for you. Keep the receipt from your morning visit, and if you return after 2 p.m. with it, you’ll get a cold “grande” beverage (16 oz.) for $2. So when you need that afternoon pick-me-up, you can grab a cold one without busting your budget.

The offer is good until Oct. 4, plenty of time to make yourself a regular. For more details, click here.

Want free coffee from Starbucks? Check out our collections of freebies.

Posted by Beth Lipton, Food Editor

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Source: dailysavings.allyou.com

Avoid buyer’s remorse
The scenario: In an effort to save money, you window shop and wait for the sale. After weeks of “just looking”, you get itchy to buy and splurge. Without fail, the item goes on sale within days of the purchase and you’re struck with a terrible case of buyer’s remorse. It is as if the [...]
The scenario: In an effort to save money, you window shop and wait for the sale. After weeks of “just looking”, you get itchy to buy and splurge. Without fail, the item goes on sale within days of the purchase and you’re struck with a terrible case of buyer’s remorse. It is as if the store is out to get you. Sound familiar?

This exact thing happened to me this morning. After splurging a little on some items from Gap.com yesterday, I got an e-mail in my inbox announcing that Gap, Old Navy and Banana Republic are holding a 30% off sale starting today. In an effort to break the pattern, I promptly called customer service. Not only did I get the 30% discount for the items I purchased before the sale started but they threw in free shipping!

Lesson learned: Calling customer service took me 10 minutes and was worth the effort; the next time this happens to you give it a try. In the meantime, check out the Gap sale, you can save 30% and get free shipping with the code SAVE30.

Posted by Kelly Stoddard, ALLYOU.com

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Source: dailysavings.allyou.com

Coupon: Save up to $200 on trips at Southwest Vacations
Deal: Save from $50-$200 on vacations booked at Southwest Vacations, plus get one night free! Code: No code needed. Expires: 08/16/10 SEE MORE COUPON DEALS AND CODES HERE ShareThis
Deal: Save from $50-$200 on vacations booked at Southwest Vacations, plus get one night free!
Code: No code needed.
Expires: 08/16/10

SEE MORE COUPON DEALS AND CODES HERE

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Source: dailysavings.allyou.com

Coupon: 15% off any order at Delia’s
Deal: Get 15% off any order at Delia’s with this exclusive coupon code! Code: AFF15D Expires: 8/17/10 See all the exclusive coupons codes here. ShareThis
Deal: Get 15% off any order at Delia’s with this exclusive coupon code!
Code: AFF15D
Expires: 8/17/10

See all the exclusive coupons codes here.

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Source: dailysavings.allyou.com

Budget Recipe of the Day: Orange Beef and Broccoli Stir-Fry
At $1.52 a serving, this delicious stir-fry is cheaper than take-out. It only takes 15 minutes to go from prep to table, so you can spend time doing things you actually want to do tonight, like playing outside with the kids. Recipe: Orange Beef and Broccoli Stir-Fry More 15 minute recipes ShareThis

At $1.52 a serving, this delicious stir-fry is cheaper than take-out. It only takes 15 minutes to go from prep to table, so you can spend time doing things you actually want to do tonight, like playing outside with the kids.

Recipe: Orange Beef and Broccoli Stir-Fry
- More 15 minute recipes
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Source: dailysavings.allyou.com

File your taxes with your iPhone?
I hadn’t heard about this — Intuit has released an iPhone app (awkwardly) named TurboTax SnapTax that lets you take a picture of your W-2 and file your taxes right from your phone, if you would file with a 1040EZ. Impressive. This app isn’t going to work if you have dependents (as one reviewer notes) [...]
I hadn’t heard about this — Intuit has released an iPhone app (awkwardly) named TurboTax SnapTax that lets you take a picture of your W-2 and file your taxes right from your phone, if you would file with a 1040EZ. Impressive.

This app isn’t going to work if you have dependents (as one reviewer notes) or if you have anything but the simplest tax filing to do. I also can’t imagine you’re getting optimal tax advice for all situations from such a simple process. But, whatever! If you have a simple tax situation and especially if you might otherwise file late, you’re better off getting your taxes done as easily as possible.

USAA‘s iPhone app has a similar function to deposit checks with the iPhone camera, and I use it all the time. Such a great convenience over having to hook up the scanner. Compared with going to an accountant, SnapTax would probably be even more convenient.

I haven’t tried the app (my tax situation isn’t simple enough for it), but speaking as a direct competitor of Intuit, I’m impressed with this idea and would love to hear feedback from people who have tried it.

Source: blog.wesabe.com

Get free toothpaste with Burt’s Bees purchase
Right now they’re offering a free tube of their new whitening toothpaste and signature lip balm with every $35 purchase.
I discovered Burt’s Bees a few years ago when I ran out of lip balm. The super cute packaging drew me in initially and the awesome products kept me coming back for more. My current favorite, the Beeswax & Banana Hand Crème, is über rich and creamy and smells good enough to eat. Right now they’re offering a free tube of their new whitening toothpaste and signature lip balm with every $35 purchase. While you’re stocking up, or just browsing for fun, be sure to enter to win a trip for two to Brazil! No purchase necessary, just enter your name, address and email information.

Posted by Lisa Brown, All You

SEE ALSO:
Budget beauty guide: Summer tips

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Source: dailysavings.allyou.com
admin 4:01 pm on August 15, 2010 Permalink | Reply

Investing

The Things That Make Us Look And Feel Great
Today the modern world puts a load of pressure on us to look and feel great and this includes fashion, hair style, good skin, great looking white teeth and having a great body.So lets break these down in to manageable chunks. Fashion This is a huge industry as we know and for many of us [...]
Today the modern world puts a load of pressure on us to look and feel great and this includes fashion, hair style, good skin, great looking white teeth and having a great body.So lets break these down in to manageable chunks.

Fashion

This is a huge industry as we know and for many of us having the latest brands and clothes puts a lot of pressure on us to keep up with the trends. In the UK many low cost clothing companies have been very successful at supplying low cost clothing at cheap prices.

Hair Style

This is more applicable for women and than men as the models on TV and magazines change their styles so often that this creates the need for regular updates on hair styles and trends. Loads of women spend lots of money of keeping their hair looking great.

Great Skin

Skincare has always been big business for the women and male grooming is simply huge business and this has been developed by the big cosmetic brands tapping in the men and looking at ways of marketing to get them spend on keeping their skin in great condition.

White Teeth

Obviously having overall good dental health is essential as well having them white and healthy looking. Keeping regular appointments with the dentist should always be undertaken. Teeth whitening is a growing industry and this applies to both men and women as the relatively low cost and immediate impact of the brighter smile is very impressive and takes years of your age. The range of teeth whitening products and services are extensive but laser or zoom whitening are very popular in the UK.

Great Body

A huge multi billion pounds industry has been created for diets and dieting products but the health and fitness industry is also growing at a huge rate as people are more aware of the health benefits associated with going to the gym a couple of times per week. Having a great body you are proud of means the food we consume is balanced and healthy and having good quality and easy to read messaging on food packaging is a big help for people to identify what is good for them and what should be avoided.

As we are a society of competitive species having all or a few of the above is hard work and sometimes can be costly but it is also about having a balance. So lets take having white teeth as an example, we are not suggesting hundreds per year on whitening but ensuring you maintain a good diet and see the dentist will help keep the teeth look great. Same goes for good skin by consuming healthier foods will ensure the skin is free from fatty toxins contained in fast foods etc.

The internet is a great resource for checking out the latest advice on health, fitness, fashion and beauty but the best way is to develop a balance so the desire to have all of the above does not ruin your life!

Source: sweetlovelylife.wordpress.com

Do You Feel Frustrated And Sick Of The Whole Dating Scene?
When we hit the dating scene in our teens, romantic controversy can make us feel grown up. But when we’re done dating for fun and begin looking for Mr. Right, the romantic vagaries that once excited us can become depressing. Just as relationships can suffer from holding patterns, so can the dating process. If you’re [...]
When we hit the dating scene in our teens, romantic controversy can make us feel grown up. But when we’re done dating for fun and begin looking for Mr. Right, the romantic vagaries that once excited us can become depressing. Just as relationships can suffer from holding patterns, so can the dating process. If you’re looking for Mr. Right but he’s nowhere in sight, there are two questions that, when answered honestly, improve your chances of finding love.

Where Do You Look for Dates?

In many dating advice books, we’re told that any place is a good place to find a date. However, we often develop a routine that narrows our dating pool to bars and nightclubs. Are bars and nightclubs a bad place to meet dates? Not necessarily. But they’re much better places to actually go on a date. The reason? Alcohol. When people drink, they become more outgoing. Meet them sober and you might encounter a different person. By the same token, they might find a different person as well.

Bars and other nightspots are a great place to cut loose and lock lips with handsome strangers. But if you’re looking for you’re soul mate, you would have more success in places whose atmosphere is conducive to judging compatibility. Instead of bars, health clubs, churches and volunteer organizations are great places to find a serious date.

What Kind of People are you dating?

In terms of looks, most of us have a certain “type” of man that we prefer to date. However, we also tend to prefer a “type” of personality. When you’re dating for fun, a man who id goof looking but whose personality is merely “interesting” can make for an exciting string of hot nights. However, when you’re ready to meet your soul mate, you need to look for that aspect personality that’s hard to detect during the first few dates: character.

While most men display chivalry, politeness and kind-heartedness as they attempt to win you over; when they exhibit these characteristics as a means to an end, they soon start showing their true colors. If you continually date men whose personalities don’t hold, seeming to go from light to darkness in a matter of weeks, it’s time to start evaluating your dates’ character instead of just sampling their personality. Instead of just exchanging sweet nothings, try to mix in some questions that reveal a man’s convictions, deeper passions and serious views. If you find that his responses reveal animus, you can safely assume that you’re not dating Mr. Nice Guy.

Source: sweetlovelylife.wordpress.com

Get A Job Tips
Getting a job now is harder than ever do to the poor economical conditions in the country. DonÃ¢’t give up! There are jobs available for you. Here are a few sure fire tips that will help you reach that goal ahead of the pack. Certain jobs will not require all this preparation so Job Search [...]
Getting a job now is harder than ever do to the poor economical conditions in the country. DonÃ¢’t give up! There are jobs available for you. Here are a few sure fire tips that will help you reach that goal ahead of the pack. Certain jobs will not require all this preparation so Job Search – Tips This might be the most important phase of the employment process. Without a tentative employer there is no need to worry about the interview or resume. Where to Look:

1. Previous employers, acquaintances, friends and family and word of mouth.

2. Unemployment Office and Library

3. Local and close by big city newspapers.

4. Placement agencies – jobs can be temporary, long term or permanent.

5. Some larger companies have an employment site to job search.

6. Internet- unlimited networking, blogs, twitter, my face, etc and job search web sites.

This is your best bet if you can relocate. Resume-Tips A perfect resume does not have to cost a bunch of money.

1. State the type of job you are looking for, where you would like to work, and any goals you have in a decisive manner.

2. Simply emphasis your strongest point and one or two prominent skills, talents or abilities. List your education, training, and any relevant awards or accomplishments.

3. Cover letter and resume to be e-mail friendly, do not attach but paste into the body of the e-mail and practice so it appears professional. Take 2 copies to interview.

4. Use Notepad or Simpletext to reformat an existing resume or write a new one using the standard format of 1″ left margin, 3″ right margin, text flush left with 12 pt. Courier font, double space between sections, use caps not bold and replace all bullets with an asterisk to conform to current form.

Prepare for the interview-Tips Key steps to perform to improve your interview process:

1. Do some research into the companys services and sales marketing on line.

2. Contact their HR department to review the job description and general information so you can talk intelligently and ask the right questions.

3. Casually visit the employers office to check out the atmosphere and working conditions for an insight into the job if you do not know any employees.

4. Rework your resume to emphasis experiences that best fit the requirements of this job.

5. A past job list of successes will help you talk assertively about your resume and experiences.

6. Interview is the first impression so get there early and be ready to stay late, clear your day and relax.

7. Receptionist can tell you the interviewer’s name and pronunciation so get there early and personalize the interview.

8. The cell phone is turned off before the meeting to show the interviewer you are only concentrating on the job position.

Interview-Tips Your personal appearance is crucial to the interview.

1. Be prepared to discuss and amplify everything in your resume; experiences, work ethics and track record.

2. Being polite and pleasant are traits to show everyone you meet during the interview process.

3. Present yourself as a problem solver or people person that adds value to the company.

4. Pay attention but relax and be at ease with taking a calculated chance when needed.

5. Thank them for the opportunity to discuss the job position.

6. A thank you follow up call or e-mail after the interview is a positive.

Follow these tips and you will be successful.

Source: sweetlovelylife.wordpress.com

Creating A Facebook Profile That Attracts Women
A new day is dawning in the world of seduction and thanks to the internet and social networking sites you can easily pick up women from the comfort of your couch. Yes, Facebook and other social networking sites are the new place for people to meet, flirt and hook up these days. Yes, it is [...]
A new day is dawning in the world of seduction and thanks to the internet and social networking sites you can easily pick up women from the comfort of your couch. Yes, Facebook and other social networking sites are the new place for people to meet, flirt and hook up these days.

Yes, it is possible for you to just hop on Facebook or MySpace, create a profile and begin hitting on women. Chances are you will find limited success though unless you either get lucky or really know what you’re doing’.especially if you are hoping to attract the attention of a woman that is even close to being hot.

Here are a couple of tips that will get you started and will point out some of the major considerations when creating an online profile. These tips can be used to fix up your existing profile or help you to create a new one.

Your Picture – Your picture is very important and you must have one if you ever hope to get a woman’s attention. No picture sends up a red flag to a woman and makes it look like you have something to hide. Think about it’.if you got a friend request from a woman withno picture , what would you think? You would think that she was so unattractive that she didn’t want to post a picture. Then even if you gambled on it and got to know her and then found out that she was ugly you would feel cheap, shallow and you would feel as if you had been tricked.

The picture that you do choose should be the best fairly recent picture of yourself that you have. A vacation shot is great and could give a girl something to ask you about like ‘where was your profile pic taken’?

Status – It is best to list yourself as single or nothing at all. Personally, I would suggest leaving it out since it does make a woman wonder and when a woman asks you ‘are you single’? you will know for sure that she is interested. You can also put ‘friendship’ as what you’re looking for to appear less threatening.

Definitely forget about using ‘it’s complicated’ or making yourself married to one of your buddies. This might be funny around the office but it just comes off as weird to a girl that doesn’t know you. Drama is not good and she will be looking at your status soon after your pictures.

Info – Make your profile information as funny as possible. Keep it upbeat and send the signal that you are a fun guy to be around’that you like to laugh and have a good time. Do be careful about how much personal information you put onyour profile.

Remember, it doesn’t take a whole lot of information for a girl to put two and two together, throw your name and the company that you work for into a search engine and come up with your office phone number. Stalkers do come in both sexes and internet safety isn’t just for women.

Source: sweetlovelylife.wordpress.com

6 Reasons Starting A Home Business Is A Good Idea
You will enjoy this article if you are on the fence right now aboutstarting a home business. In it we will go over six reasons having a home business of your own can be good for you! 1. Earn money to pay off your bills. Everyone can use more money with the unemployment rate as [...]
You will enjoy this article if you are on the fence right now aboutstarting a home business. In it we will go over six reasons having a home business of your own can be good for you!

1. Earn money to pay off your bills. Everyone can use more money with the unemployment rate as high as it is.

In your case you may have bills right now that you are behind on. Starting and running a successful home business of your own will help you create more income which you can use to get rid of some of those bills you are lagging on.

2. Use the extra money to purchase your own home. There certainly are a large number of people renting and developers are continuing to build more rental properties.

However many people who do rent either an apartment or a home would love to purchase their own home. Having extra money to cover a monthly mortgage payment, or save for the down payment, is really possible when you have your own home business.

3. Use it to promote family time together. This is a good strategy because you’ll never get that time with your kids back.

You will be amazed at how much more fun it is when you have the money to do extra things such as participating in kids sports, go to movies, give your kids music lessons, and so on.

4. Increase your savings account so you can live more comfortably later in your life. Having a nest egg is one thing that many people dream about.

Although there are no guarantees in life if you are cautious about how you save your money you can financially set yourself up much better than if you don’t.

5. Money does not mean everything to everybody, but what you do with your money can mean a lot to the people. Having extra money to donate to charities or worthy causes is a tremendously good feeling.

If you are not a materialistic person you can surely find reasons to run a home business and take your profits to help other people. Once you have a charitable organization you are involved with you might be amazed at how much harder you are willing to work.

6. Get out and see a little bit more of the world. Depending on the type of home business you have you could run it right from your computer anywhere that you have Internet access.

Traveling can be a lot of fun and mixing in business with pleasure with your own Internet home business certainly makes that more possible.

In summary this is six reasons starting a home business makes sense. Some or all of these reasons may appeal to you!

Source: sweetlovelylife.wordpress.com

Should You Follow A Celebritys Diet? The Best Way To Follow A Celebritys Work Out Routine
Selebrity diets are of course fashionable. That can be one core reason why you want to adopt them. Then there is always the great magnetic power of celebrity bodies which everybody wants and craves. Their secret diets are huge trade secrets by themselves and their trainings schedules auctioned. But then the question would be how [...]
Selebrity diets are of course fashionable. That can be one core reason why you want to adopt them. Then there is always the great magnetic power of celebrity bodies which everybody wants and craves. Their secret diets are huge trade secrets by themselves and their trainings schedules auctioned. But then the question would be how effective are these?

Cleaning Your System

Celebrity diets are more often than not cleansing diets. They clean up your system of all toxic stuff and thus control weight gain. It is not that you stop yourself from gorging on whatever you want and whatever you need too to diet like a celebrity. It is not always about zero intake diets. Ingredients of celebrity diets include cayenne pepper, maple syrup and lemon juice and water.

Celebrity diets are also about extra energy provisions. In the process you are ready for extra workouts and lose more weight in the process and shape up better. These diets also tone the skin and make you look better. So they are not only about weightloss.

Different Types of Star Diets

There are also other varieties of celebrity diets like raw food diets. For example, the Zone diet which always helps check on the extra pounds. But then they have all facilities at hand, like cooks and managers and trainers, etc. On the other hand there will be lapses on your part as there is no one to oversee your activities, checking if everything is going alright. But then that is just part of the challenge, isn

Source: sweetlovelylife.wordpress.com

Fats, Vitamins And Fiber – How We Need Them For Our Diet
Fats are a major source of energy in the diet, and provide twice as many calories as protein or carbohydrates for the same amount of weight. In developed countries, fat intake has increased at the expense of a reduction in complex carbohydrates. In order to lose weight, we almost always have to cut down on fat [...]
Fats are a major source of energy in the diet, and provide twice as many calories as protein or carbohydrates for the same amount of weight. In developed countries, fat intake has increased at the expense of a reduction in complex carbohydrates. In order to lose weight, we almost always have to cut down on fat intake, but some fats are essential, just as vitamins and minerals are. These are the polyunsaturated fats, which are derived mainly from sunflower, safflower and rappelled oils, vegetables, nuts, seeds and some fish.

Foods of animal origin, e.g. lard, dripping, butter, milk, cream, cheese, and meat, and some vegetable oils, notably palm oil and coconut oil, are rich in saturated fats. These are not essential, and have the undesirable effect of stimulating the liver to produce more cholesterol, and raising its level in the blood. Both saturated and polyunsaturated fats contain the same amount of calories. The sheer

Cholesterol is a specialised form of fat which is found particularly in eggs, dairy products and meat. Most of the cholesterol in our blood is actually made by our liver and approximately one-third is derived from our diet. Dietary cholesterol is not the ogre the experts once thought it was. Our dislike of late has turned quite rightly to an excess of animal fats, combined with a lack of fibre in the diet.

Approximately 15 per cent of our diet is composed of protein; 55 per cent is composed of carbohydrate, and 40 per cent of fat.

Vitamins and minerals are essential nutrients that are required not for their calorific value, which is negligible, but because they help regulate the body’s metabolism. All vitamins and essential minerals are necessary to assist in normal functioning of the thousands of different chemical reactions that make up the body’s metabolism. If the supply of vitamins and minerals in the diet is inadequate, this will result in changes in body chemistry, and a slowing down or altering of the body’s metabolism, usually with some deterioration in body fitness or health.Vitamins and minerals often work together in this respect, and some are necessary for normal energy production, the use of protein in growth and tissue repair, and in many other functions, ranging from hormone production to effects on skin quality. Additionally, some minerals, particularly calcium, phosphorus and magnesium, are necessary with certain types of protein for the formation of the skeleton.

Fibre is a specialised form of complex carbohydrate, which cannot be broken down by the normal human digestive system. It thus becomes a major constituent of the waste product, faeces. Diets high in fibre are often high invitamins and minerals, and a high-fibre diet is an important part of a weight-reduction programme.

Source: sweetlovelylife.wordpress.com

If You Let Panic Attacks Symptoms Manifest-Buckle Up Your In For The Ride Of Your Life!
o you realize panic attacks symptoms have be mistaken in quite a number of incidence for a heart attack ? The first episode is by far the most frightening for it’s victims, this is due to fact they really have no idea where this came from, or what it may be. I can not stipulate [...]
o you realize panic attacks symptoms have be mistaken in quite a number of incidence for a heart attack ? The first episode is by far the most frightening for it’s victims, this is due to fact they really have no idea where this came from, or what it may be. I can not stipulate the importance of getting a second opinion even though the chances of it being caused by panic is extremely likely. This will just rule out any other problems and give you a clear path to go ahead treat yourself for panic attacks.So now lets take a look at some of the symptoms cause by panic attacks.

A list of the most common panic attacks symptoms!

Tight,restricted chest
Rapid heart beat.
Tight, dry throat
Tingling.
Ringing in the ears.
Knots in your stomach.
Really heavy sweating.
Feel the need to empty your bladder.
hot and cold flushes.
Panic attacks symptoms can make you feel like you have lost control!

Before we go any further just a question I need to ask.Have you ever woken up on a particular morning and thought to your self,” there’s something just not quite right” I don’t just feel a little weird today ? You couldn’t put your finger on it, everything was the same. You had driven the usual route to take the kids to school, sat in the same coffee shop you have for the past year, but this morning was different you where tense and had a strange feeling of losing control.These feelings were so intense and frightening they made you bolt out the door and head back home.Sound familiar?

Panic attacks symptoms will manifest if they go untreated, that’s a FACT!

Now this is where I really need your attention, if you think the above list above of panic attacks symptom has frightened you, then be prepared for more horror if you do not get help IMMEDIATELY. Shortly after you experience the physical symptoms it not that long before you will inherit the mental issues.This is where it all goes pear shaped.

What ever you do don’t let panic attacks symptoms manifest in to mental symptoms!

I have witnessed first hand the damage and destruction this disorder. puts on relationships, it’s very disturbing. So stop and think about this, you are not the only 1 this illness will effect.

So do not be foolish seek pClick Here!” target=”_self”>rofessional help and STOP panic attacks symptoms from taking over your life and the ones that love you. YOU OWE IT TO THEM!

Source: sweetlovelylife.wordpress.com

Four Tactics To Keep Your Brain Young
No matter who we’re with, we’ve experienced the above conversation in one form or another. Losing spectacles that are actually on your face, losing keys only to later locate the fugitive keys in the freezer, or hearing the same tale over and over again because the person telling it forgot the first few times. As [...]
No matter who we’re with, we’ve experienced the above conversation in one form or another. Losing spectacles that are actually on your face, losing keys only to later locate the fugitive keys in the freezer, or hearing the same tale over and over again because the person telling it forgot the first few times. As people get older, their mental faculties appear to decrease. But do we have to suffer this aspect of getting older? The following are ways to stop your Click Here!” target=”_blank”>brain’s aging and retain acuity.

1. Take two child aspirins a day. As aspirin works as an anti-inflammatory, it can aid good arterty health. Blood vessels stay normal and blood clots are prevented. Also, if a blood clot does happen to form, research has demonstrated aspiring to help create additional blood vessels, helping to transportclots more easily to prevent blocked arteries. Mental illnesses can be prevented with daily aspirin intake. Be sure not to take both aspirin and ibuprofen together. These act differently to reduce the effect of either.

2. Find out something new. If you don’t engage you mind, you will lose what you have more quickly. Without thinking, you are using your Click Here!” target=”_blank”>brain all the time. If you do the same things every day, however, you utlize only a limited part of your mental capacity. Hire a personal trainer and they’ll never let you dedicate an entire week, let alone a year, to just one body part. The same should apply to your brain. Educating yourself will force your Click Here!” target=”_blank”>brain to work differently. If you rest where you’re content for a period that’s too long, your Click Here!” target=”_blank”>brain will pay the price with its cells because there’s no cause for them to hang around. Join a book club, teach yourself how to knit or get to your nearest scuba diving center and take lessons. You’ll be learning new things and be keeping your brain strong.

3. Choose sensible foods. The effects of unhealthy heating won’t cease at negatively affecting your heart. If a food is bad for one part of your body, it will impact all the others as well. Certain foods reduce the strength of the arteries leading to your Click Here!” target=”_self”>brain, which can cause strokes. Eating heart-healthy foods is in almost every case without exception helpful for your Click Here!” target=”_blank”>brain as well. Give up the fast food and opt for any number of healthy alternatives.

4. Get rid of your life’s stress-sources. It’s naive to totally eliminate stress from your life. In truth, some stress can even help you. Everyone is born with the flight or flight response ability to ensure our safety. Imagine that you’re a caveman and someone attempted to take your freshly killed mammoth (this may be chronologically inaccurate or be completely impossible, but let’s overlook that for now), you would have to defend yourself to maintain your food. However, if a saber tooth tiger (again, unsure of the accuracy) wished to make you its next meal, you would have to flee (flight). The stress that can wear on your body and your mind with time is sourced from large-scale happenings or more common, background worry.

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Forex Trading with Penny Stock Prophet
For many decades, the investment world was largely dominated by the stock market. Anyone who wanted to make money using their wits and by choosing the right investments used the stock market to make their choices. But with the recent crashes and losses in the stock market, many traditional investors are considering new methods of [...]
For many decades, the investment world was largely dominated by the stock market. Anyone who wanted to make money using their wits and by choosing the right investments used the stock market to make their choices. But with the recent crashes and losses in the stock market, many traditional investors are considering new methods of investing. Also, new investors are wary of sinking money into an old system that has not shown very good returns lately. There’s a different option for investing that may prove more appealing to many investors, both new and old. Forex trading, or foreign exchange trading, where currencies are traded. Due to the constantly shifting exchange rates, it’s possible to trade currencies in a way that produces a profit. By buying a certain currency when it’s worth is low, and then selling it once it rises, an investor can make a tidy sum. Unlike the stock market, the Forex market never closes. Even if it’s 3am, you can be trading currencies on Forex from your bedroom. It also can be easier to understand and quicker to learn than traditional stock market trading. There is risk, as with any investment, but with Click Here!” target=”_self”>Penny Stock Prophet can spot trends quickly and profit from it. Unlike the US stock market, the events that affect currency values can be unexpected. A natural disaster or great growing season may have the expected effects, but it can be difficult to guess what a new political leader or declaration of war may do to a nation’s currency value. By learning the symptoms and signs that precede the rise and fall of the worth of currency, any smart investor can make money from Click Here!” target=”_self”>Penny Stock Prophet. Trading is done through a broker, who usually charges a small fee. Click Here!” target=”_self”>Penny Stock Prophet is much faster and easier to use than traditional forms of trading, and many brokers have lowered their fees to reflect that. Many of the most popular Penny Stock Prophet platforms let new users have a set amount of free trades to try their luck atClick Here!” target=”_self”> Penny Stock Prophet before making a big commitment.Click Here!” target=”_self”>

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Smart money

Mint Slideshow: Wallets and Money Clips
Most people give a lot of thought to the contents of their wallets. But for some, where their money, credit cards or identification are carried is just as important. (More …)