Friday, September 3, 2010

how to lose weight fast free tips

build muscle mass depending on the type of exercise that you do. As you diet and exercise and ultimately lose bodyfat you want to have enough tone and mass to achieve that fit and toned look.

have two or three snacks in between meals. There is no measuring portion sizes or counting calories with the plan.Your meals are normal size , enough to satisfy your hunger.
Phase one is the strictest part of the diet. After phase one you should notice a weight loss of some 8 to 12 pounds from where you started.
After initial two weeks on the program those cravings for the sugars and bad carbs will be gone and by just modifying what you eat you will continue to lose weight.
Upon entering phase two of the diet you can start

First of you must know that you did gain all of those weight because of the foods you eat. Not only that but how and when you eat your food. The first thing that you need to do is overhaul your meal plans. Create a meal plan of your own if you don't have one. You must eliminate all of the unhealthy foods that you eat, especially foods that are rich on fats and oil. Include fruits and vegetables in your meals. These are very rich in vitamins and minerals that the body needs. It is also a great source of fiber. Most important of all that you don't ever skip a meal. When you miss a meal your body goes to what they call a "starvation mode". When the body experience hunger, it will make you rebound or eat more in your next meal then instead of using the food as energy it will store the food turning it into fats. Keep your stomach guessing on when is the next meal by eating more often during the day. That doesn't mean you have to eat more. What I'm trying to say is that you should have at least 2 or 3 small snacks besides your 3 regular meals.

Nothing works on How to Lose Weight Fast more than doing a regular exercise. Most people expect that you have to go to the gym when you do some exercise. There are many ways that you could do some exercise without spending money how to lose weight fast by going into a gym. If you have a treadmill at home you could use it and start running for at least 30minutes a day. If you don't have a treadmill then you could run on the park. It is more effective if you could have your exercise before eating your breakfast. Weight lifting could not only make your muscles work but is a great way to increase your metabolism rate.

Unemployment Hits 9.6%, But There&#39;s Good <b>News</b>, Too - Dan Bigman <b>...</b>

For the third month in a row, the US economy shed jobs according to the Labor Department's latest figures, out this morning. The bad news is pretty clear: the country lost 54000 jobs in August. The unemployment rate (though calculated ...

Democrats Accuse Fox <b>News</b> Of Illegal Support To Ohio Republican <b>...</b>

Democrats allege in a legal filing that, by plugging an Ohio gubernatorial candidate's website in a chyron, Fox News illegally contributed to the Republican's campaign.

McGee: Alice won&#39;t go &quot;over the top&quot; <b>News</b> - Page 1 | Eurogamer.net

Read our news of McGee: Alice won't go. ... Latest Videos. Alice: Madness Returns is gruesome 21 July, 2010. Latest News. EA announces Alice: Madness Returns . McGee pitching gory Red Riding Hood ...



The beasts of chaos have surrounded the zombie forces and just need to squeeze by jon_a_ross

Thursday, September 2, 2010

foreclosure listings


make money from home without stuffing envelopes

Miami Foreclosures Florida, 6Bd, 4Ba, $ 249,900.00 : ForeclosureDataBank.com by ForeclosureDataBank


























managing your personal finance

With so many options, risks and complicated strategies, smart investments are not an easy thing to do. FutureAdvisor is a personal investment advisor that helps you with managing and optimizing your investment portfolio by providing in-depth analysis, forecasts and saving tips.

Once you synchronize your brokerage and retirement accounts to FutureAdvisor it tells you if you are on track to retire at your desired age and how your portfolio would fluctuate if market performance changes. You also get tips on how to diversify your portfolio, save money by investing in similar lower-fees mutual funds and build a portfolio customized to your exact needs. FutureAdvisor also lets you work out different scenarios for an early or late retirement.

Features:

  • Get personal investment advice.
  • Helps to optimize your investment portfolio.
  • Get tips on asset allocation, cost savings and good investments.
  • See an in-depth analysis and forecast based on your needs.
  • Completely secure synchronization to your investment accounts.
  • Get tips to retire early with smart investment strategies.

Visit FutureAdvisor at www.futureadvisor.com [Via class="vt-p">LifeHacker]




  • Daily Dispatch: Navteq works to humanize GPS directions; Skyfire: flash capable iPhone browser submitted to Apple for approval



  • Q&A: Are liquid calcium supplements better?



  • Daily electronics deals



  • Labor Day deals without the legwork



  • Recycle your old rechargeable batteries



  • Apple revamped iPods, iTunes, and more



  • Bad eggs: 10 ways to cut your salmonella risk



  • New Whirlpool plant cooks up some jobs in Tennessee



  • Hurricane Earl: Keep yourself and your food safe



  • Should you buy an all-new car or a proven carry-over car?






photos of how to lose weight fast

99-cent iTunes TV rentals hinging on <b>News</b> Corp.? | iLounge <b>News</b>

iLounge news discussing the 99-cent iTunes TV rentals hinging on News Corp.?. Find more iTunes news from leading independent iPod, iPhone, and iPad site.

Hot Air » Great <b>news</b>: Left-wing president turns into tax-cutting <b>...</b>

Great news: Left-wing president turns into tax-cutting conservative just before midterms.

Stabroek <b>News</b> - Retirement plans caught up in Clico (Guyana) upheaval

Perhaps Stabroek News can shed some light on this issue for me. Was CLICO owned and controlled by the Government of Guyana? Was CLICO insured by the government of Guyana? Did the government of Guyana cause CLICO to fail? ...



no rampant greed by NOonionplease



























I want to rn About Effective Ways to Make Money From Home Course osupf

plan, that is, what exactly do you want to accomplish and how you intend to do so.
4.- And lastly, you must work hard to put everything in place and get everything working as planned.
Now, based on these principles, what is the best way to make money from home?
Well, from my own experience (since I run several businesses from home myself) your best shot is at an online business. Why?
An online business will allow you to work with what you usually have at home: a small space, a computer and an internet connection.
However, as much as people want to tell you that having an online business is the best way to make money from home (something I actually agree with), you must be aware of the fact that building such business is no easy task. Sure it will be a lot easier than most of the traditional business models, among other reasons because you really need little to no money to start and you will be able to beat the learning curve faster, however, as in any business, be prepared to work your way to profits, anything else is just a fantasy.
The hardest part of an online business really is starting and then sticking to it until you make it work, as most people tend to abandon their quest within weeks just because they are not making a lot of money, so you have to make sure you another victim of desperation and impatience.
One of the most exciting ways to earn income is from home and the good news is that as technology advances so do number of opportunities to earn good money from home. Perhaps the best way to make money from home is through some kind of internet based business. It is important to think creatively and come up with new ideas as this will set you and your website apart and give you the competitive edge necessary to succeed online long term.
together. It took me a month to obtain my first sale and I don't see why it can't be possible for anyone else to do the same in that amount of time. The choice is up to you do you want to be that person that wants money or the person that needs it?
Michael Meyers is the ow

Article source:
diccy

How Murdoch&#39;s <b>News</b> Of The World Hacked The Royals&#39; Voice-Mail

The palace was in an uproar, especially when it suspected that the two men were also listening to the voice mail of Prince William, the second in line to the throne. The eavesdropping could not have gone higher inside the royal family, ...

Lujiazui Breakfast: <b>News</b> And Views About China Stocks (Sept. 2 <b>...</b>

Investors and traders in China's main financial district in Shanghai are talking about the following before the start of trade today: Industrial activity in China improved in August. The purchasing managers index of the China Federation ...

Bangai-O heading to XBLA Xbox 360 <b>News</b> - Page 1 | Eurogamer.net

Read our Xbox 360 news of Bangai-O heading to XBLA.




important meal of the day. Surprisingly, the ones who eat breakfast are thinner than the ones who do not. Metabolism can slow down considerably if breakfast is taken during mid-morning or if one waits until the afternoon to eat.
3. Avoid sugar. Sugar enables the body to store fat


you are no longer consistent.
Just make up for your mistake by eating twice as healthily as before. Remove temptation from your life (and your pantry!). Do your grocery shopping on a full stomach so you do not feel compelled to grab every snack in sight. Stock up instead on healthier alternatives, like whole grain foods.
Know the difference between a craving and real, honest-to-goodness hunger. When you hear that jelly doughnut a-calling, imagine yourself eating some other kind of food, like chicken, for instance. If you?re really hungry, you?ll want to eat whatever food comes to your mind. If anything other than that jelly doughnut seems like a bad idea, then what you have is a craving that must be ignored.
Eat smaller portions more frequently, about every three hours, because when you allow yourself to get hungry, it will be that much difficult to suppress your appetite and you will have a tendency to overeat.
Diet Plan # 3: Take Your Pick.
If you prefer a more rigid and quicker weight loss diet plan, try the famous South Beach Diet. It has three phases, the first of which takes two weeks long and is the most restrictive. Its specific menus do away with most of the carbohydrates you know and love, like bread, pasta, sugar, and alcohol, making it a seemingly difficult diet to hurdle. The Atkins Plan, on the other hand, provides three meals and one snack a day. It focuses on eating lean meat and eggs, and like the South Beach Diet, targets carbohydrates first.
The ideal would be to shed one to two pounds a week. Anything more than that would be too risky as it isn?t just unwanted


jngtrbq

How Murdoch&#39;s <b>News</b> Of The World Hacked The Royals&#39; Voice-Mail

The palace was in an uproar, especially when it suspected that the two men were also listening to the voice mail of Prince William, the second in line to the throne. The eavesdropping could not have gone higher inside the royal family, ...

Lujiazui Breakfast: <b>News</b> And Views About China Stocks (Sept. 2 <b>...</b>

Investors and traders in China's main financial district in Shanghai are talking about the following before the start of trade today: Industrial activity in China improved in August. The purchasing managers index of the China Federation ...

Bangai-O heading to XBLA Xbox 360 <b>News</b> - Page 1 | Eurogamer.net

Read our Xbox 360 news of Bangai-O heading to XBLA.



Wednesday, September 1, 2010

how to budget personal finances


I am a 25 year old college student (school, job + savings, back to school… long story) and boy do I wish I knew about all the resources available to me back then. Good for you for starting early!


Lucky for me I have 1 parent (divorced) who is so bad with money that I have been scared into financial responsibility from a young age. Was I perfect? Hahaha.. but I am doing better than 95% of my friends are right now so I guess I am doing something right?


Here is my advice:


1. GET A JOB! - 2 shifts a week is all it takes. I have friends who just graduated from college without ever having a job. Result? No work experience so nowhere will hire them. Some had problems even getting an internship! Try for customer service jobs. Employers value people skills more than flipping burgers.


2. BUDGET! - Cant teach an old dog new tricks so it is best to start young. Add up your monthly expenses such as rent/insurance/cell/gas/etc and divide by 2 or 4 (depending on weekly/bi-weekly payday). Put this money in savings and no touchy! Once you can live on that budget a certain % for an emergency fund and then % for savings. The rest is your “fun” money. As others have said: pizza, ipods, and clothes are “fun money” and NOT emergencies!


3. DEBIT, CREDIT, or CASH?


DEBIT- I am a die hard debit card user. My credit union has detailed (free) online banking. I check my online bank statement in the morning and at night and go over my spending. Think of it as an instant virtual slap in the face about your spending habits. It hurts for the best.


CASH - Some people just cant be responsible enough to respect the plastic and do better with cash. Try and keep bigger bills on you. Breaking a $5 is less mentally painful than breaking a $20. $1s are dangerous. That can of coke is “only $1″. $7 a week, $30 a month. It adds up.


CREDIT - Many say don’t get a credit card, but I disagree. If you are responsible college is a great time to build credit (unless you have some serious control issues… if that is the case, these are not the droids you are looking for…). Not building credit early is the BIGGEST regret I have. Good credit means better rates when buying a house or a car. Do your research first. Consider a student, or if you have to a secured card.


More about credit-


*Do NOT apply for a credit card on campus. It is like selling your soul for a candy bar. Every time you apply for a credit card they run a credit check, which “pings” you. Too many pings hurts your credit score. Not good. Friend did that at every kiosk that offered something free to sign up when she was 20. This was 7 years ago and her credit is still recovering! The same is true for store credit cards. Do.Not.WANT!

*Pick a required expense, such as gas or cell phone bill and put it on the credit card. Pay off the card at the end of each month. Repeat.

*Do NOT use your credit card to buy “fun money” purchases. No clothes, no ipods, no pizza. This is why you have your debit card of cash. Don’t even think about it mr.!


4. EATING/DRINKING - This is going to be the weird random one from one young person to another.(Part of this only applies to you on/after your 21st birthday!) The young person’s life revolves around being social. For a 20 something this normally involves dinner and/or drinks with friends. It is expensive! So much money can be saved if you plan ahead!


*Eating - Going out to eat is a much needed social experience but NEVER go out to eat starving! Just like you don’t go shopping when you are hungry you never want to experience the whole “eyes bigger than stomach” thing while dining out. Have a snack an hour or so before you meet friends for dinner. This will help you avoid ordering that $8 appetizer! Also, try and order things that reheat or are good cold. LEFTOVERS! Also, water is free. It is good for you! Coke is $3. Go buy yourself a 12 pack and have one when you get home.


*Drinking - Most 20 somethings drink. It is a very expensive part of our lives. It is a social event to help us forget about school and work. We like bars. Unfortunately $5 for a beer is highway robbery! NEVER go to a bar completely sober (when you are 21+ & no drinky + drivey!). Have a drink or 2 at home and then have a beer at the bar. You will save TONS. Also, bring cash to a bar. Only bring as much cash as your sober self would like to spend. Alcohol impairs judgment. Sober you will thank drunk you for not spending. Drunk you will thank sober you for being smart enough to make sure you can afford the advil to take care of that hangover the next day. It is a win win.


Put all that saved food and drink money towards something that will last.


5. BOOKS - Buy used whenever possible. Check online first because campus stores are normally a ripoff. Try and sell the books back online, even if they have released a new edition. Most student book stores on campus will only give you 1/2 of what someone online will be willing to give you!


6. CARS - Buy used and reliable, but not “cheap”. New cars lose tons of value when you drive them off the lot. Don’t buy a “cheap” used car on it’s last leg. Think Goldilocks - not too new, not too old, juuusssttt right! Save up as much money as possible. Pay for it in cash if you can. If not, save up at least 2/3 before purchasing and do your homework!


And whatever you do: AVOID parking tickets, speeding tickets, registration fines.. may as well light the money on fire! Or if you do not want it I will give it a nice home and save you the trouble.




I am a 25 year old college student (school, job + savings, back to school… long story) and boy do I wish I knew about all the resources available to me back then. Good for you for starting early!


Lucky for me I have 1 parent (divorced) who is so bad with money that I have been scared into financial responsibility from a young age. Was I perfect? Hahaha.. but I am doing better than 95% of my friends are right now so I guess I am doing something right?


Here is my advice:


1. GET A JOB! - 2 shifts a week is all it takes. I have friends who just graduated from college without ever having a job. Result? No work experience so nowhere will hire them. Some had problems even getting an internship! Try for customer service jobs. Employers value people skills more than flipping burgers.


2. BUDGET! - Cant teach an old dog new tricks so it is best to start young. Add up your monthly expenses such as rent/insurance/cell/gas/etc and divide by 2 or 4 (depending on weekly/bi-weekly payday). Put this money in savings and no touchy! Once you can live on that budget a certain % for an emergency fund and then % for savings. The rest is your “fun” money. As others have said: pizza, ipods, and clothes are “fun money” and NOT emergencies!


3. DEBIT, CREDIT, or CASH?


DEBIT- I am a die hard debit card user. My credit union has detailed (free) online banking. I check my online bank statement in the morning and at night and go over my spending. Think of it as an instant virtual slap in the face about your spending habits. It hurts for the best.


CASH - Some people just cant be responsible enough to respect the plastic and do better with cash. Try and keep bigger bills on you. Breaking a $5 is less mentally painful than breaking a $20. $1s are dangerous. That can of coke is “only $1″. $7 a week, $30 a month. It adds up.


CREDIT - Many say don’t get a credit card, but I disagree. If you are responsible college is a great time to build credit (unless you have some serious control issues… if that is the case, these are not the droids you are looking for…). Not building credit early is the BIGGEST regret I have. Good credit means better rates when buying a house or a car. Do your research first. Consider a student, or if you have to a secured card.


More about credit-


*Do NOT apply for a credit card on campus. It is like selling your soul for a candy bar. Every time you apply for a credit card they run a credit check, which “pings” you. Too many pings hurts your credit score. Not good. Friend did that at every kiosk that offered something free to sign up when she was 20. This was 7 years ago and her credit is still recovering! The same is true for store credit cards. Do.Not.WANT!

*Pick a required expense, such as gas or cell phone bill and put it on the credit card. Pay off the card at the end of each month. Repeat.

*Do NOT use your credit card to buy “fun money” purchases. No clothes, no ipods, no pizza. This is why you have your debit card of cash. Don’t even think about it mr.!


4. EATING/DRINKING - This is going to be the weird random one from one young person to another.(Part of this only applies to you on/after your 21st birthday!) The young person’s life revolves around being social. For a 20 something this normally involves dinner and/or drinks with friends. It is expensive! So much money can be saved if you plan ahead!


*Eating - Going out to eat is a much needed social experience but NEVER go out to eat starving! Just like you don’t go shopping when you are hungry you never want to experience the whole “eyes bigger than stomach” thing while dining out. Have a snack an hour or so before you meet friends for dinner. This will help you avoid ordering that $8 appetizer! Also, try and order things that reheat or are good cold. LEFTOVERS! Also, water is free. It is good for you! Coke is $3. Go buy yourself a 12 pack and have one when you get home.


*Drinking - Most 20 somethings drink. It is a very expensive part of our lives. It is a social event to help us forget about school and work. We like bars. Unfortunately $5 for a beer is highway robbery! NEVER go to a bar completely sober (when you are 21+ & no drinky + drivey!). Have a drink or 2 at home and then have a beer at the bar. You will save TONS. Also, bring cash to a bar. Only bring as much cash as your sober self would like to spend. Alcohol impairs judgment. Sober you will thank drunk you for not spending. Drunk you will thank sober you for being smart enough to make sure you can afford the advil to take care of that hangover the next day. It is a win win.


Put all that saved food and drink money towards something that will last.


5. BOOKS - Buy used whenever possible. Check online first because campus stores are normally a ripoff. Try and sell the books back online, even if they have released a new edition. Most student book stores on campus will only give you 1/2 of what someone online will be willing to give you!


6. CARS - Buy used and reliable, but not “cheap”. New cars lose tons of value when you drive them off the lot. Don’t buy a “cheap” used car on it’s last leg. Think Goldilocks - not too new, not too old, juuusssttt right! Save up as much money as possible. Pay for it in cash if you can. If not, save up at least 2/3 before purchasing and do your homework!


And whatever you do: AVOID parking tickets, speeding tickets, registration fines.. may as well light the money on fire! Or if you do not want it I will give it a nice home and save you the trouble.





hbitsnj

MS confirms new 360 controller Xbox 360 <b>News</b> - Page 1 | Eurogamer.net

Read our Xbox 360 news of MS confirms new 360 controller.

<b>News</b> Corp reportedly holding back iTunes rentals

News Corp is reportedly the latest holdout, but we've heard for a while now that Apple is running around trying to quickly hammer out deals for 99-cent TV rentals in iTunes (a system that will supposedly compete with the ever popular ...

Still No Earths, But Getting Closer - Science <b>News</b>

Two newly discovered planetary systems shed light on odds of forming terrestrial planets.






























Friday, August 6, 2010

personal finance budgeting



Life on the fast track can be taxing. With the ever-growing list of responsibilities, we have more and more bills to pay and an even longer set of reminders and tasks there is to keep track of. Life on the fast track can be taxing.


In order to help reduce the burden of remembering the things you need to do and actually focus on the task at hand; we have 2 great iPhone apps to recommend. Both of these apps have been featured on MakeUseOf before: NotifyMe and Bills.


This week, we will be giving away 5 promo codes for each application. Find out how you can get one, after the jump.




But first let’s take a look at the apps individually.


NotifyMe 2


NotifyMe 2 is the updated version of NotifyMe and only supports iOS4. At the very core, it is still a reminder application. You create tasks/reminders which are synced over the air to NotifyMe’s servers. When your tasks are due, you receive a push notification sent to your iPhone.



All tasks/reminders can also be accessed online via the cloud server, notifymecloud.com and can be used to track your list of reminders easily.



In this updated version, you can also create local reminders which are stored on your device. This is a huge help you are only looking to create short-term reminders without internet access.



NotifyMe 2 also supports task sharing — any reminder can be shared with any authorised NotifyMe 2 user and will appear on their upcoming screen.



For a more in-depth review of the previous version (which will also provide you with a rough concept of how the app works), please read Never Forget Anything Again With NotifyMe for iPhone


Bills


Bills (also known as Bills ~ on your table) is a simple payment tracking application. This app helps you track pending bills and their corresponding due dates efficiently and elegantly as well.



Bills can be set to automatically repeat daily, weekly, monthly or annually. When a payment is due, you’ll receive a push notification with a gentle reminder (or pre-reminder, which you can set to occur days prior).



For a more in-depth review, check out Never Forget To Pay Another Bill Again With Bills ~ On Your Table


How do I win a copy?


It’s simple, just follow the instructions.




J.D.: Parents tend not to like parenting advice from parents either. You really can’t win. It’s a war zone re: parenting choices out there, and all that tells me is that overall families with kids are not feeling well-accommodated in the current economic structure.


Glad the family factor finally got mentioned though. Similarly our first cutting area would have to be kids’ extracurriculars, second would be quality of nutrition, third would be heat, then we’d sell the house or take on a tenant rather than lending our basement apartment to a friend.


Parenthood has three-quartered our income and nearly quadrupled our expenses. We didn’t have a car, for example, before the kids started begging for us to please get out of the city sometimes. And how do you say no to that if you can afford it? “No, kid. Go play in the parking lot. Trees aren’t all they’re chalked up to be.” Our only financial fat is kids’ activities. With two kids and no consumer debt, we have very little to cut re: grownup expenses. (Um, we get takeout once a week so I can stop cooking for a minute?)


Etc. etc..


That said I’m constantly looking for ways to bring a little in here and there while I’m mostly at home. This will get easier when they’re both in full day school. Day care + summer camps would cost more than my salary as an arts professional, so I opted to stay mainly at home for seven years. Opted being a strong word. It was a financial no-brainer, and I personally felt I had no choice. On the other hand other parents I know feel compelled to work full time because in their particular situation that makes the most sense. Truly every situation is different, and no doubt everyone is doing what they can to provide as much as they can for their kids.


Financial factors aside, some people freely admit to not being able to handle the stresses of at-home parenting. Self-knowledge is key to this gig. Better the kids are in daycare than cared for by a no doubt loving but resentful and unhappy parent. Loving the act of parenting and loving your children are two very different things.




penis extender

When is it time to switch your banking service by financemetrics




Life on the fast track can be taxing. With the ever-growing list of responsibilities, we have more and more bills to pay and an even longer set of reminders and tasks there is to keep track of. Life on the fast track can be taxing.


In order to help reduce the burden of remembering the things you need to do and actually focus on the task at hand; we have 2 great iPhone apps to recommend. Both of these apps have been featured on MakeUseOf before: NotifyMe and Bills.


This week, we will be giving away 5 promo codes for each application. Find out how you can get one, after the jump.




But first let’s take a look at the apps individually.


NotifyMe 2


NotifyMe 2 is the updated version of NotifyMe and only supports iOS4. At the very core, it is still a reminder application. You create tasks/reminders which are synced over the air to NotifyMe’s servers. When your tasks are due, you receive a push notification sent to your iPhone.



All tasks/reminders can also be accessed online via the cloud server, notifymecloud.com and can be used to track your list of reminders easily.



In this updated version, you can also create local reminders which are stored on your device. This is a huge help you are only looking to create short-term reminders without internet access.



NotifyMe 2 also supports task sharing — any reminder can be shared with any authorised NotifyMe 2 user and will appear on their upcoming screen.



For a more in-depth review of the previous version (which will also provide you with a rough concept of how the app works), please read Never Forget Anything Again With NotifyMe for iPhone


Bills


Bills (also known as Bills ~ on your table) is a simple payment tracking application. This app helps you track pending bills and their corresponding due dates efficiently and elegantly as well.



Bills can be set to automatically repeat daily, weekly, monthly or annually. When a payment is due, you’ll receive a push notification with a gentle reminder (or pre-reminder, which you can set to occur days prior).



For a more in-depth review, check out Never Forget To Pay Another Bill Again With Bills ~ On Your Table


How do I win a copy?


It’s simple, just follow the instructions.




J.D.: Parents tend not to like parenting advice from parents either. You really can’t win. It’s a war zone re: parenting choices out there, and all that tells me is that overall families with kids are not feeling well-accommodated in the current economic structure.


Glad the family factor finally got mentioned though. Similarly our first cutting area would have to be kids’ extracurriculars, second would be quality of nutrition, third would be heat, then we’d sell the house or take on a tenant rather than lending our basement apartment to a friend.


Parenthood has three-quartered our income and nearly quadrupled our expenses. We didn’t have a car, for example, before the kids started begging for us to please get out of the city sometimes. And how do you say no to that if you can afford it? “No, kid. Go play in the parking lot. Trees aren’t all they’re chalked up to be.” Our only financial fat is kids’ activities. With two kids and no consumer debt, we have very little to cut re: grownup expenses. (Um, we get takeout once a week so I can stop cooking for a minute?)


Etc. etc..


That said I’m constantly looking for ways to bring a little in here and there while I’m mostly at home. This will get easier when they’re both in full day school. Day care + summer camps would cost more than my salary as an arts professional, so I opted to stay mainly at home for seven years. Opted being a strong word. It was a financial no-brainer, and I personally felt I had no choice. On the other hand other parents I know feel compelled to work full time because in their particular situation that makes the most sense. Truly every situation is different, and no doubt everyone is doing what they can to provide as much as they can for their kids.


Financial factors aside, some people freely admit to not being able to handle the stresses of at-home parenting. Self-knowledge is key to this gig. Better the kids are in daycare than cared for by a no doubt loving but resentful and unhappy parent. Loving the act of parenting and loving your children are two very different things.




online stock trading online stock trading how to lose weight fast

Spectroscopic science <b>news</b>

These are my links for July 30th from 18:21 to 18:27: Space balls redux - I've reported on this ...

Business <b>News</b> You Need Today: Aug. 6, 2010 - DailyFinance

David Schepp has covered business news for more than a decade at news organizations such as Dow Jones, BBC News and Gannett. His beats have included technology, biotechnology, health care and workplace. He lives in New York's Hudson ...

Exclusive: Fujifilm&#39;s phase detection system explained: Digital <b>...</b>

Exclusive: Fujifilm's phase detection system explained: With the announcement of the Fujifilm F300 EXR and Z800 EXR coming on a day that also saw four other cameras being launched, it would be easy to overlook their most radical feature ...



When is it time to switch your banking service by financemetrics


big white booty



























Thursday, August 5, 2010

personal finance and budgeting




In 2006, recent Harvard grad Alexa von Tobel was headed for a job at Morgan Stanley. But though she would soon be managing the bank’s investments, she realized she didn’t know the first thing about her own finances. Most financial guides seemed to be written for middle-aged readers with millions in assets, rather than recent college grads. "I was reading every book I could find, but none of them spoke to me," she says. So she came up with the idea for LearnVest, an online personal-finance resource for young women like her, and ended up writing an 80-page business plan.


After two years at Morgan Stanley, von Tobel entered Harvard Business School in 2008. But upon winning a business plan competition held by Astia, a non-profit that supports women entrepreneurs, she took a five-year leave of absence and invested $75,000 of her Wall Street earnings to start LearnVest in November. She quickly enlisted advisors, including Betsy Morgan, the former CEO of the Huffington Post, and Catherine Levene, the former COO of DailyCandy, to help develop the site’s content and technology. In January 2009, she secured $1.1 million in seed funding from executives at Goldman Sachs.


LearnVest’s site launched a year later and has since signed up more than 100,000 members. It offers online budgeting calculators, video chats with certified financial planners on the company’s staff, and free e-mail tutorials on topics such as opening an IRA. The company earns revenue from advertising and by referring its users to companies such as TD Ameritrade. In April, after just four weeks of fundraising, von Tobel closed a $4.5 million investment round led by Accel Partners, which has also invested in Facebook and Etsy. (Incidentally, Facebook CEO Mark Zuckerberg lived in the same dorm as von Tobel at Harvard.)


Von Tobel likens LearnVest to an online version of The Suze Orman Show, but with the goal of reinforcing positive finance habits early on. “Suze Orman helps 45-year-old women get out of debt,” she says. “Why not reach 20-year-olds to keep them from getting into debt?”






Life on the fast track can be taxing. With the ever-growing list of responsibilities, we have more and more bills to pay and an even longer set of reminders and tasks there is to keep track of. Life on the fast track can be taxing.


In order to help reduce the burden of remembering the things you need to do and actually focus on the task at hand; we have 2 great iPhone apps to recommend. Both of these apps have been featured on MakeUseOf before: NotifyMe and Bills.


This week, we will be giving away 5 promo codes for each application. Find out how you can get one, after the jump.




But first let’s take a look at the apps individually.


NotifyMe 2


NotifyMe 2 is the updated version of NotifyMe and only supports iOS4. At the very core, it is still a reminder application. You create tasks/reminders which are synced over the air to NotifyMe’s servers. When your tasks are due, you receive a push notification sent to your iPhone.



All tasks/reminders can also be accessed online via the cloud server, notifymecloud.com and can be used to track your list of reminders easily.



In this updated version, you can also create local reminders which are stored on your device. This is a huge help you are only looking to create short-term reminders without internet access.



NotifyMe 2 also supports task sharing — any reminder can be shared with any authorised NotifyMe 2 user and will appear on their upcoming screen.



For a more in-depth review of the previous version (which will also provide you with a rough concept of how the app works), please read Never Forget Anything Again With NotifyMe for iPhone


Bills


Bills (also known as Bills ~ on your table) is a simple payment tracking application. This app helps you track pending bills and their corresponding due dates efficiently and elegantly as well.



Bills can be set to automatically repeat daily, weekly, monthly or annually. When a payment is due, you’ll receive a push notification with a gentle reminder (or pre-reminder, which you can set to occur days prior).



For a more in-depth review, check out Never Forget To Pay Another Bill Again With Bills ~ On Your Table


How do I win a copy?


It’s simple, just follow the instructions.




penis extender

Quizzle tip: download Suze Orman's new finance book for free! by QuizzleTown