Deb Reduction

Most people have carried a credit card balance at some point in their lives and know the financial hole that high interest rates create. Carrying credit balances across a number of cards with varying interest rates only makes the impact more significant. As a result, you could be throwing away hundreds or thousands of dollars a year in interest payments.

Credit card companies typically charge an 18% interest rate on credit card balances, but their introductory interest rates (teaser rates that may last up to a year) are often as low as 6%.

Suppose you have $3,000 balance and an 18% interest rate. If you pay $200 per month, you will pay $270 more in a year than you would if the interest rate were 6%.

Use MsMoney.com's Value of Consolidating Credit Card Debt Tool to calculate how much money you can save by consolidating your credit card debt and how much faster you can pay off your balance.
The Best Reason to Consolidate Your Credit Card Debt

Lowering interest costs is a great reason to consolidate your credit card debt, but it isn't even the best reason. At lower interest rates, your debt grows more slowly while you pay it off, so you end up paying it off much faster. The sooner you pay off the debt, the sooner you can begin a savings program where you pay yourself--as much as possible--first.

Carrying a balance at a high interest rate can make saving or investing money senseless. Why?

If you have a $3,000 credit card balance at 18% interest, and $10,000 invested in a mutual fund that has an average 10% return, your debt will soon outgrow your assets.

How do you turn this situation around and increase your net worth?



* Consolidate your credit card balance on a card that has a 6% interest rate instead of 18%.

* Use the savings from your interest payments and pay off your credit card balance more quickly.

In effect, you are making your liabilities smaller, laying the groundwork for creating positive net worth, and paying yourself what you deserve. You can experiment with MsMoney.com's Net Worth Tool to see the impact of eliminating your credit card balance.
Shopping for a New Credit Card

The Internet makes it easy to find credit cards with low interest rates. If you're looking for a great credit card rate, try MsMoney.com's partner, NextCard, and start saving money today.

If you don't want to transfer your balance or simply want to stay with your current credit card, you can try to negotiate lower interest rates. Call your credit card company to let them know that you're thinking of moving to a competitor for lower interest rates. To keep your business, they may lower your rate.

Source: http://www.msmoney.com/mm/women/budgeting/debt_reduction.htm

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Tips elevate body

Height strongly affected the appearance myself, just look at the models, they are beautiful and have a sexy body. Women tips provides tips how to increase your height.

1. Inadequate sleep: Make sure you spend as much time as eight hours a day in bed. Lack of sleep can lower revenue growth hormone. Try for toddlers get enough sleep time, about nine hours. whereas for adolescents and adults take approximately 7-8 hours of sleep a day.
2. Eating enough: Eat every day (breakfast, lunch, dinner and drinks tonight). Make sure each meal taken is balanced.
3. Eating before exercise: Take foods that have protein and carbohydrate at least two hours before we were doing gymnastics step-up body. Although we do not feel hungry before the exercises, we can take a snack to avoid the hungry when the exercises. the food experts have found someone who did exercise on an empty stomach will experience a decline in income growth hormone as much as 54%.
4. Perform a maximum when the exercise: What do we do when the exercise to give the impression to the pituitary gland. The more often we do the exercises will add production of growth hormone. Someone who often do gymnastics step-up body will produce more of these hormones. Make sure we do the exercises at least three times a week (20 minutes each session)
5. Food additives: Intake of amino acids in Multivitamin pill before we exercise may help in revenue growth hormone.
6. Food Before bed: Now this one is worth noting, do not take large quantities of food before we sleep. This was done so that the body does not much income promoting hormone insulin. Our bodies will produce growth hormone within two hours after meals. Insulin production will lower earnings growth hormone.

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Fashion Trend 2010

For the weaker sex, fashion is part of the lifestyle in the community.
Fashion will become an instant fashion trend in 2010 and which will play a role in this trend is the dominance of instant technology. Technology that provides convenience on the one hand but on the other side so as to produce the pattern of addictive new life. Technology has also been confounded reality and the virtual world, a new view of the more familiar technology becomes more emotional and poetic touch. All of this will be a fashion trend 2010.

Mode which will also be a fashion trend in 2010 is the Ambivalence. This concept is a protrusion of the forms at once startling luxury fashion. Luxury can also be displayed through a merger of opposing elements (ambivalent) like an old wooden carvings past placed in a super-modern. Ambivalence will give you the luxury of a new standard.

The next trend is to fashion a full comfort mode. Convenience is a luxury. The human need for comfort themselves associated with the involvement of his senses. Models present fashion design next year in a comfortable fashion model in every sense, both visually and flavor, and taste.

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Using Medicines Safely Mosquitoes

Here are women tips on reviewing about the kinds of good insect repellent for your family. Several types of insect repellent that is circulating in society :

1. Mosquito species lotion medicine

Is to prevent, namely mosquitoes away. Durability depends on each product (ranging from 4 to 8 hours). Usually the time limit will be included in the packaging. Grease when children want to sleep. If after the fit and the mosquitoes kept attached means active ingredient is no longer functioning. Because this type of mosquito repellent active ingredients to absorb excess risk through the skin, this product is not recommended to use on children under the age of 4 years.

2. Drug Mosquito Spray

Spray for about two hours before the children entered the room or bedroom. If the smell is no smell anymore, so the child is safe to enter the room.

Avoid also exposed to substances that can cause food or direct contact with skin. Cover food or drinks, children's bed pad. Nor should spray insect repellent at a time when children were sleeping.

3. Drugs Fuel Mosquitoes

Not advisable to use mosquito coil all night. Use mosquito coil is not recommended, especially in children with asthma tend. In addition to the smoke can cause pain in the eye, can also cause coughing and shortness of breath.

When using this insect repellent, you should burn it approximately 6-8 hours in advance so that air does not directly inhaled the little guy.

4.* Drug Electric Mosquito

Like the mosquito coil, electric type is also not advisable to use throughout the night. Better to set a few hours before sleeping child. Turn off immediately after the child's sleep. Although in small doses, even this type of mosquito repellent containing the active ingredient. So, still dangerous, especially in sensitive children and sensitive.

Powerful Kick Getting rid of Mosquitoes

* Keep Cleanliness

Ensure cleanliness of the home and surrounding environment. Remember, cleanliness is a major factor preventing mosquitoes. Avoid standing water, even clean water, because that's where mosquitoes will breed.

* No heap Goods

Avoid stacking the goods in any place. Stay away from the habit of hanging clothes in the room. Mosquitoes are very comfortable nest in a place like that.

* Use mosquito net

Install the valance on the bed baby or child is better than installing any type of mosquito repellent.

* Make Blankets

Get used to wrap the little guy. When living in hot areas, use a thin blanket. What is important, can cover parts of the body of the child.

* Connect the AC

Recommended in children with asthma should not use any insect repellent. Sleeping room should be air-conditioned. Mosquitoes usually are reluctant to stay in the cold room and closed. Especially if the room cleanliness is always maintained.

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Secrets of Beautiful Chinese Women

Women of China has its own charm in terms of beauty. Not only from the face, body shape and skin was looking very beautiful and attractive. Notice the beautiful white skin and smooth. His face sometimes looks shiny until there is a joke, the flies will not even touch the face of it a long time because it will slip and fall.

In order to maintain beauty, many Chinese women undergoing treatment with smelly things traditional. They also use many ingredients of natural wealth which then made the potion. And, this is a belief that carried hereditary. If you already like this, things are rather difficult to accept their medical. Secrets of Beautiful Chinese Women, Sheknows give guidance you can learn the following:

1. Drink Green Tea
Tea is a beverage that is very close to the Chinese community. For example green tea can help prevent premature aging and weight loss. Green tea is widely consumed nearly the Chinese community in addition to health care also for beauty, especially for women.

And, green tea is now consumed by many people, whether male or female or both as a health drink for your diet. And, tea is a beverage that is also full benefits keeps your body warm when the weather was so cold.

2. Ginseng
Eating camellia nut oil
Peanut oil camellia ever know? Well, this one is also often used for the beauty of Asian society. That said, camellia nut oil has various properties, one of which help the growth of scalp hair, skin problems from black spots, stretch marks, burns, cuticle, until the skin is dry. In addition, camellia nut oil widely used for base moisturizing ingredients.

3. Often Perform Reflexology
China Society believes in the power of reflexology. This form of treatment is the most amazing foot massage because it was ready to make the body healthy and relaxed. Reflexology is useful to increase blood flow, accelerate the healing process, overcome the symptoms that arise due to stress and depression such as headache, stomach problems, and sleep disorders.

Reflexology Massage
In the process, reflexology is also used to treat diseases such as diabetes and migraine. Which consume not just women, but also men of various ages and social circles.

4. Eating diligent Ginseng
To maintain the beauty, women have more confidence in China's natural products. That is why they often use natural products, such as ginseng and green tea. They believe that the components of nature will be safer and better than that found in the laboratory.

Ginseng is very efficacious to reduce fatigue, increase stamina, prevent diabetes, strengthens the digestive system, preventing irritation, and remove toxins.

(From various sources)

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