IMPORTANT Quote!

Surfing the web I came across a quote that struck me as severly important, below;

"Bankers, car dealers, and unknowledgeable lenders have told America for years to “build your credit.” They are telling you to get debt so you can get more debt because debt is how you get stuff. Those of us who are debt free know that cash buys stuff better than debt".

Since you aren’t “building your credit” you will need to find a mortgage company that does actual underwriting. That means they are professional enough to process the details of your life instead of using only a Beacon score (lending for dummies).

You can qualify for a conventional 15-year fixed-rate loan if:
You have paid your landlord early or on time for 2 years.
You have been in the same career field for 2 years.
You have a good down payment.
You have no other credit.

You are not trying to get too big a loan. The big question is, What do millionaires do? They don’t get rich with free hats, brownie points, or air miles. What do broke people do? They use credit cards. I rest my case.

via http://www.daveramsey.com/

Quote of the Day

"You are never given a dream without also being given the power to make it true. You may have to work for it, however" - Richard Bach

O-B-A-M-A!

HOPE! CHANGE WE CAN BELIEVE IN!

Quote of the Day

"One is not born a woman, one becomes one."
Simone de Beauvoir (1908-1986)

The Second Sex (1949-1950)

FASHION

Toni Leather CLICK Bag in Camel !

In my opinion, I think this bag is REALLY HOT!

BAD BREATH

6 Foods That Fix Bad Breath

Last night, the tacos smothered in onions were great. But this morning, your breath could fell a sumo wrestler. What to do? When your breath has turned toxic because of smelly foods -- usually garlic, onions, or curry, but fish and cheese can do a number, too -- you need an air freshener for your mouth. And you need it often: every 30 to 60 minutes until the odorous offender has cleared out of your bloodstream, which can sometimes take up to 24 hours. Because brushing constantly is impossible, try countering breath-busting foods with what's likely to be handiest: other foods.

1. Lemons. Suck on a lemon wedge, or nibble on the rind -- easy to do in restaurants, where there's often a citrus garnish; if not, you can order sparkling water with lemon. For other times, lemon-flavored hard candies work just as well, and they’re totally portable.

2. Parsley and other green garnishes. When your favorite garlic-laden pasta dish or onion-topped burger arrives with a few sprigs of parsley on the side, consider it a hint, not just a colorful trim. Chewing on the sprigs releases parsley's pleasant, breath-freshening oils. Garnishes of fresh basil and rosemary work, too.

3. Apples and other crisp, fresh foods (firm pears, carrots, jicama). They're high in fiber, and all that chewing bumps up saliva production -- the combo acts like a scrubbing rinse for your mouth. Sweet.

4. Crunchy spices. For a more exotic solution, pick up some anise, cardamom, coriander, and fennel seeds, available in the spice aisle of most grocery stores. Mix equal parts in a small covered bowl, and keep it on the dining room table next to the salt and pepper. Chewing on a few seeds will release enough oil to sweeten after-dinner curry or coffee breath. And your mouth will taste amazing.

5. Mint sprigs or cinnamon sticks. Either of these deliciously potent flavors will squelch the sulfurous scent of onion and garlic. Plus, an essential oil in cinnamon kills a nasty type of oral bacteria, discouraging it from setting up house in your mouth. Cinnamon or mint gum is just as effective. If you pick a gum sweetened with xylitol, it will freshen breath and help reduce cavities -- smart, if you're a gum lover. Bonus: Regular oral care can make your RealAge as much as 6.4 years younger.
Learn more about how to care for your pearly whites.

6. Berries and yogurt. If you can't get through most days without indulging in foods that are less than breath-friendly, eat for prevention, which is even better than a cure. Consuming half a cup of plain, sugar-free yogurt twice a day can lower mouth levels of hydrogen sulfide (yes, that rotten egg smell). Berries (and melons, oranges, and other fruits high in vitamin C) also deter stinky mouth bacteria. Start and end each day with a cup of fruit topped with a big dollop of yogurt and you might never have to worry about bad breath again.

http://www.realage.com/

SPANX NEW BRA

Please take the time out to get fitted for the correct size bra!

Is your current bra letting you down? If you answer yes to any of these questions it is:

Does the band ride up your back?

Do the cups overflow?

Do the straps slip down or leave red welts on your shoulders at the end of the day?

Does the centre of the bra not rest flat against your chest?

An easy test to tell is to raise your arms. If the bra pulls away underneath the breast, it’s too small in cup size.

The right bra does wonders for your shape and well-being — it lengthens your torso, making you appear taller and narrower, and may improve your health. An improperly fitting bra puts pressure on the shoulders or back. And if it’s providing too much support, it may keep the breast tissue too tight. And that can trigger shoulder and back pain, limit movement of your upper body, constrict your breathing and even cause tingling in your arms — a sign of poor circulation.

Have a Fitting

To get a properly fitting bra, your best bet is to visit a specialty retailer. You’ll be measured either over your clothing or your old bra. But wallflowers beware — the saleswoman might follow you into the change room after you’ve tried on your new bra to see how it fits.

Can’t get to a store? You can do it yourself:
1. With a bra on, wrap a measuring tape around your rib cage, just below the bottom of your bra. Note the number, add five inches and that’s your band size. Round up if the total is an odd number.
2. For your breast measurement, measure around your back to the fullest part of your breast (make sure the tape is snug, but not pressing into your skin).
3. Subtract the breast measurement from your band size. The difference determines your cup size — if there’s no difference, you’re an A, a one-inch difference is a B, two inches a C and so forth. See Victoria Secret’s measuring guide.

Bra BasicsWith so many types of bras on the shelf, choosing a style can be overwhelming. Here are your basic styles:

Full-support bra. An everyday basic bra that’s normally seamless, it’s a good choice for someone who wants to stay contained.

Three-quarter cup. In between a full and half-cup, this bra still gives full support, but it’s lower in the centre and the straps are farther over.

Demi-cup(also known as the half-cup). This medium-support bra gives a really round breast. The straps are very far off to the side.

Push-up (also known as a plunge-style, it pushes your breasts towards the centre). This bra dips deep between your breasts so you can wear V-necks or wrap tops.

via blackwomenweb

SPANX just launched a new bra to take away the GRIEF! BRA-LLELUJAH!!

visit http://www.spanx.com/

Quote of the Day

"The rule is not to talk about money with people who have much more or much less than you".-Katherine Whitehorn

REEBOK

In Case You Haven't HEARD!

KIDZ!

Reebok is a true innovator when it comes to the shoes; they have been able to come up with something new, with each Reebok Kool Aid having the scent of its corresponding flavor. In addition, matching apparel will also be available and will be released along side of the shoes. Three flavors are officially launching on February 1st!

Quote of the DAY!

"Have a vision. Be demanding."-- Colin Powell