• What is the best way to pay off my debt? That is probably the most important question you can ask yourself if you are serious about reducing the dollar amount of your debt. The key is not in trying to do it so fast that you struggle with other finances but to develop a plan that helps you gradually and efficiently increase your financial resources.

    Faster is Not Always Better

    While it may seem if you pay off debt faster you will be in better financial shape, this may not necessarily be true. I made that statement to one of my co-workers who insisted I was nuts. He didn't understand why he had to take his time when he was so anxious to get out of debt. Have you ever thought about it? Yes, it sounds good, but in reality the reverse is true-at least for most people. Think of it like a diet: are you more successful when you lose weight fast or lose it slowly? The key is developing a new way of doing things, and you can't do that if you speed through the process.

    How to Pay

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  • Meditation as a practice is considered to have begun over 6000 years ago, and is a practice that takes many varieties of form in the present. Some meditation techniques involve focussing on the breath, such as Vipassna , while other practices advocate chanting of a mantra such as Om to focus the mind and keep it in the present.

    These meditation practices are passive and take a lot of practice, although the benefits of mastering these specific types of meditation are long lasting and profound. These types of meditation are usually considered more spiritual than other types, although you can certainly practice these methods without a spiritual inclination.

    Other types of meditation are more activity based - my sister meditates every day while washing dishes at the kitchen sink, as she allows her mind to de-focus and relax and finds this very soothing. There are also practices such as dynamic meditation, which involves shaking the body vigorously and making spontaneous sounds,

    Read More »from How Can Meditation Assist in Pain Management?
  • First Time on Blog

    Hey: this is my first time using this blog!!!!!

    I think it will go really well !
    I will try to get a blog up everyday but if i dont then:( sorry!
    M_O

  • BB creamsBB_post
    Presenting: all the BB creams you can handle.

    BB creams are the biggest thing in beauty right now, and no wonder: They make your skin look flawless while delivering amazing skincare benefits, too.

    But these moisturizer/foundation/SPF hybrids, with their laundry lists of features, can also be incredibly confusing. Are they the same as tinted moisturizers? Do they work for every skin tone? We tested a full lineup of BB creams to uncover the answers, and compiled everything you need to know about these new It-creams.

    Related Article: At-Home Beauty Treatments You Have To Try

    4 Key Facts About BB Creams

    What is a BB cream? Unfortunately, there's no single answer. BB creams originated in Germany and exploded in Korea, where they were first used by laser treatment patients to ease post-procedure redness. But now that beauty consumers have embraced BBs, new formulas span a range of shades, textures and skincare benefits.

    They're NOT one shade fits all. Despite

    Read More »from The Best BB Creams for Your Skin

  • By Sarah Ribeiro for CupidsPulse.com

    You and your significant other have been together for quite some time now. You've experienced great dates, bad dates, and more romantic adventures than most couples you know. You've met the parents, made plans for the future, and have even discussed living together. There's just one thing you haven't done, and it's a rather large elephant in the room: said "I love you." Both you and your partner have likely contemplated saying it, and it might have almost slipped out more than once, but you're unsure whether you're ready to say it. If you need some help on knowing when it's time, here are some ways to know you're ready to say the L-word for the first time:

    Related: Letting Go of Past Loves

    1. You've made the commitment: If you and your partner are attached at the hip 24/7 (yes, that includes overnight), are making plans for "what's next" and both envision a future together, it's safe to say "I love you." After all, you must love

    Read More »from Falling in Love: When to Say the L-Word for the First Time
  • By Connie Wang, Market Research by Willow Lindley, Refinery29


    If the last time you wore a pair of studs was when you got your ears pierced at Claire's, it's time to rediscover the charm of a pair of tiny earrings. Even though OTT shoulder-dusters are hugely trendy right now, you don't have to risk sore lobes to make a statement.



    We've found 16 pairs of small, dainty earrings are far from subtle, and are an easy way to step up your everyday outfits. Don a different pair every day of the week, mix 'em up for a magpie look, or just pick one knock-out pair and make it your new thing - one way or the other, these lil' guys might just be the style pick-me-up you've been looking for. Click through to shop our favorite pieces!




    More from Refinery29:


    Steal These 5 Quick Celebrity Style Secrets!


    How To Find The Perfect Black Blazer


    12 Stylish All-Weather Boots That Are Perfect For Fall


    How To Do Your Makeup In 5 Minutes (Really!)


    Read More »from 10 Tiny Earrings with Huge Personality
  • I must have been about 13 when my father and I were taking a drive and I mentioned to him something about life being fair…or needing to be in my opinion. He looked right at me as he always did when he wanted to impart some worldly wisdom and asked me whoever said life was supposed to be fair? I was very surprised, as I certainly did believe at that point that life was indeed supposed to be fair. I can't think of a more prominent arena for the concept of fairness to be played out than when it comes to siblings.

    However, I have learned that as a parent treating kids equally is plain unrealistic: they come packaged with different temperaments, interests, and needs. So don't drive yourself too crazy trying to make things always fair. It just isn't realistic. Besides, real life really isn't fair. The trick is to minimize conditions that break down sibling relationships that can cause long-lasting resentment. The bottom line to this behavior problem: while some rivalry is plain

    Read More »from Five Ways to Reduce Sibling Rivalry
  • Plan - A Four-Letter Word, but Not a Dirty One

    Small business owners hear the words marketing plan and automatically think, "That is something that big businesses do." In reality, they should be thinking "that is something that smart businesses do". Marketing plays a key role in the success of any business, regardless of its size. And a phased, actionable marketing plan is what helps to ensure that your business is building long-term, profitable relationships with its customers. So why wouldn't you have one?

    Think of it this way - you would consult with a lawyer if you were having legal troubles, wouldn't you? You would consult a CPA if your business was facing an audit, right? So why for so many small and mid-sized businesses does marketing become an afterthought and developing a plan is ignored? Marketing is too often a side project that you spend some time thinking about once a month or so. That is not to say that marketing needs to equal a great deal of money to see

    Read More »from Marketing Plan - It's Not a Dirty Word
  • The Best Car for a Family

    Have you ever struggled to choose a vehicle that is suited as a means of transportation of multi function that could help the heavy activity at once into a family vehicle, I think it is often the case especially for the young families that built the new household.
    Of various types of vehicles available today it seems that meets the above criteria there are only two kinds, and both types of such vehicles would I discuss as reference materials you and your family in choosing the right vehicle.


    The first type of vehicle I will discuss is " hatchback ", I strongly recommend this type of vehicle for young families that still have a bit of a family member. Vehicles of this type are generally quite lean and is approaching the kind of city car as an everyday activity support. Indeed for this kind of vehicle capacity issues can only accommodate at most 4 to five passengers only, but if you are indeed small families seem to be of this type are very suitable because you really don't

    Read More »from The Best Car for a Family

  • Tests….the mere word conjures memories of long-ago school days, folding myself uncomfortably into a tiny desk, preparing to wrangle with a grueling standardized test, my number two lead pencil cracking under the pressure of my intensity. What part of my 5 Steps to Hormone Happiness is this, you ask? Why hormone testing, of course. Fortunately for us, when it comes to testing for hormone levels - no pencil is needed, and you really can't fail!

    In order to have a comprehensive evaluation with your doctor regarding your specific perimenopause and menopause journey, it is helpful to have a complete hormone panel performed. This, along with the information you've gathered during Step 3: charting your menopause symptoms, will enable your specialist to create an individualized program to help you achieve hormone happiness. Remember, there is a broad range of what is considered "normal" when it comes to hormone levels. What is "normal" for some may not be normal for you. I highly

    Read More »from Menopause Mondays: Ellen’s 5 Steps to Hormone Happiness, Step 4: Menopause and Testing

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