I am you is our attempt at the unification theory. I am you.

By:  son                        Source

Sandra bullock Oscar acceptance speech 2010 for her role in the blindside

There's a good chance you're familiar with Liz Pulliam Weston. She has a syndicated personal finance column that appears in my local newspaper and perhaps yours as well, and she is a popular columnist at MSN Money. As if that's not enough, she writes books. I've just finished her latest, Easy Money, and here's the scoop on it.

Subtitled "How to Simplify Your Finances and Get What You Want Out of Life," Easy Money is relatively short (roughly 200 pages) yet hits all the major topics you need to think about in your financial life. Among the topics covered are: basic tools to get your finances organized, budgeting, credit cards, saving for retirement, saving for college, buying homes and cars, insurance, shopping and travel deals, dealing sensibly with customer service issues, and more. She also caps off the book by looking at important but less tangible issues, such as how attitudes about money can make you sink or swim, and how to set your compass so you're not just making money but working toward the life you want.

Many personal finance books get bogged down in telling you too much in too many words-Weston's strength in Easy Money is telling you what you need to know and doing so efficiently. There's a lot packed into a fairly lean package, so it's a quick but informative read.

Among the many tips and resources Weston offers, here are some I found most useful and/or interesting:

* When creating a budget, Weston makes the point to be extremely realistic, taking into account where you are today and what you really spend, not creating a budget around some idealized version of yourself that always spends wisely or will soon be making more money.

* The concept of a "Buy Nothing" month, in which you do your best to use what you have in your home to keep yourself fed and entertained for a whole month. This can save you some money while also being a fun challenge, and maybe open your eyes to how much unnecessary spending you do without realizing it.

* The sections on insurance are very good, with good tips on what types of insurance you need and how much. Example: If your annual premium for comprehensive and collision coverage on your car is more than 10% of its current value, drop the coverage.

* While we're all familiar with the fees around trying to re-book airline flights, Weston says there's usually no fee for re-booking hotels or car rentals if you find that prices have gone down since your original booking. It would never have occurred to me to do this (and I'm probably too lazy to start), but Weston says she's had significant savings doing so in the past.

* The section on how to successfully deal with customer service people is excellent.

I only had a few quibbles with the book:

* Weston is very big on getting yourself automated and electronized, meaning she wants you receiving and paying bills electronically online, and/or automating payments. I think this is fine for the well-organized person, but I question whether it's really the way to go for people that aren't always on top of their finances. It seems easier to miss payments when you're not getting any sort of paper reminder, and automated payments sometimes cause you to keep paying for services you don't really want anymore, where a paper bill might trigger you to get on the horn and cancel a service. Also, if you're not disciplined and backing up your electronic files, you could lose past financial records. I suppose this is personal preference, but it makes me a little nervous.

* I think the section on credit card arbitrage should have been left out. People have enough problems with credit cards as it is without bringing up a tactic that can be very dangerous and lead to only marginal gains. (If you don't know what credit card arbitrage means, I'm not telling you.)

* She did not list the other site I run as a recommended resource. Maybe her editors mistakenly cut it out?

All in all, Easy Money is informative while being easy to read, exactly what you're looking for in the not-always-exciting world of personal finance.

By:  Justin McHenry                        Source

This has been an interesting year to say the least. The people of the world have endured great struggle but our recent U.S. election promises hope for the new year!

Recently I has the good fortune to have one of my Barack Obama photos published in TIME magazine’s online Year in Review edition.

I took a photo of Obama art done by Greg Boudreau, a talented young Seattle artist, www.project1042.com/contact.html. The art was standing (about 5 feet tall) in the Portland, Oregon, Obama headquarters. TIME selected my photo, along with several others for publication.

Cool!

As you probably know, President-elect Obama is TIME’s Person of the Year. I am one lucky person myself, to have my photo of him published in TIME online in 2008, the year we made history!

Here’s to a happy and Hope-filled New Year! 

Source: Tony the Misfit

256kbps high quality music?

No DRM?

Cheaper than iTunes Plus?

Are those your criteria for online music? Then perhaps Rhapsody is for you. From Real Networks, this could well be the next king of online music.

They are so confident in their serivce that they are going to give away $10 credit to the first 100,000 signups, enough to buy an album for free!

Try it. Please try it.

By:  Jordan Grodecki                        Source

Dr Emile Greenhalgh, from the Department of Aeronautics, explains how the composite material works and the future benefits of using this material in vehicle manufacture. For more information please visit http://www3.imperial.ac.uk/news

Plantronics headsets rose to fame in light of their numerous benefits. Today, Plantronics offers a broad range of headsets which can satisfy a variety of preferences and budgets. At the same time they provide what they are best known for - superior audio quality, comfort and style. They are very helpful and work extremely well in office environments. They also have several advantages.

Plantronics headsets are available in different forms providing the same basic qualities - superb sound quality and noise-canceling microphones. These sound features allow you to handle long conversations without missing any single detail just because you are in a noisy area. Hence, you can now discuss important business matters using Plantronics headsets. They can also serve as good replacements for troublesome handsets which you have to keep on holding throughout a long conversation. Simply settle down with the headset placed perfectly in your ears and get relieved from all sorts of pain. It is true that while you are working if you use these Plantronics headsets you can easily avoid hand, arm, shoulder, back, and head pains.

Wired headsets are great for advanced communication purposes. With the extensive use of wireless Plantronics headsets in office environments you can get better productivity. This is because these headsets allow you free mobility. You can stretch your legs in the office without worrying about not being able to attend the phone at your desk. This will also help you get rid of tiredness to some extent. You will feel refreshed if you can freely stretch yourself while working also without worrying about wasting time.

On the other hand free mobility will improve your health. Since, you can move about freely blood will circulate through your body quite freely. When we sit in one position for a long time without any movement blood does not flow properly from the upper part of your body to the lower half. Hence, one feels sore and numb when one stands up after a long time from the sitting position. But no more sore and numb legs now; you can move whenever you want if you are using Plantronics headsets.

Plantronics wireless headsets are lightweight, yet they are quite sturdy. They are very stylish and provide maximum comfort to users. They give you relief from unnecessary pains caused by using handsets. If you are determined to inject a little Plantronics headset magic in your life then kindly visit Telecom Superstore. They have the best collection of these headsets.

As the heart of urban art, graffiti is is most commonly seen on the sides of buildings, city sidewalks and bathroom walls. I have never thought that it has relationship with fashion. While actually, graffiti is moving off the walls and onto fashion industry now. More and more designers are using this boundless combination of images and lettering to decorate their lines. I guess that the graffiti fashion will become greater in future time. If fashion is a form of art anyways, why not wear it?

It is true that we could give up elegance or nobleless, but nobody would abandon individual style. Graffiti fashion is just a kind of manner to our lives.

We once remember that in 2001, the design director Marc Jacobs of Louis Vuitton took great pains to convince its managers receiving his idea of innovating classic monogram pattern. At the very beginning, almost everybody considered that his Stephen Sprouse Graffiti Bags are specially for fashion show. As long as they saw the long order lists, they finally approved to put the collection on stream. From being doubted to hot sale, then to be as the most precious luxury, the great creation really made a great success in fashion industry and created the precedent of perfect combination between luxury and steet art.

From then on, the rough graffiti art held hands with cocky luxury brands and it never stopped its steps. Now the time comes to Spring 2009. Now, Marc Jacobs is paying another tribute in his Louis Vuitton Stephen Sprouse 2009 collection. For Spring 2009, the colors of the Graffiti print against the classic Monogram Canvas background are all neon (lime green, shocking pink and bright orange) and there is also Rose-tattoo collection inspired by Sprouse’s past work. The collection also expands beyond bags and shoes to include scarves, jewelries, shades, small leather goods and ready-to-wear.

Graffiti fashion with vivid energy and passion is now go into our daily life. Why are you still waiting? Come together, doodle our own fashion now!

Author:

All replica handbags at wholesale price. Free shipping worldwide! Welcome to share any information with me, read more here Graffiti Fashion is in Vogue Now.

Article Source: EzineArticles.com

Not only FIAT cars have problems .. 

Source: miguel.1983