Do You Keep Your Personal Life Private at Work?

how to keep certain parts of your personal life private at workKeeping aspects of your personal life private at work may feel necessary to you, or it may just be a personal preference. Maybe you’re worried that certain information about your life outside of work will make you a source of coworker gossip, or lead people to stereotype you, or even cost you your job. Or maybe you feel that some parts of your personal life simply aren’t anyone’s business. We thought it’d be interesting to talk about the things that readers prefer to keep quiet at the office — and why. Readers, do you keep certain parts of your personal life private at work? What parts, and why? 

We’ve frequently discussed this issue in the past, including discussions on how to deal with nosy coworkers, and LOTS of talk on medical issues (how to announce your pregnancy at work, decide whether to tell coworkers about your miscarriage, deal with frequent doctors’ appointments, make time for therapy, share a diagnosis like ADHD or autism), handling political talk at the office, and more.do you keep your personal life private at work

The posts linked above highlight many possibilities for topics you’d rather your coworkers didn’t know about — but of course, there are many other issues that you might only feel comfortable discussing with friends and/or family members. So, do tell: Do you tend to keep your personal life private at work, or are you more of an open book? What would you rather not reveal to your coworkers? Health problems, religious beliefs, family issues, unusual hobbies or activities, political opinions, tattoos/piercings? On the flip side, is there anything you’ve discovered about a coworker’s personal life that made you see that person differently, either in positive or negative ways?

I connected with several women who shared aspects of their lives that they feel they shouldn’t or can’t share at work. That information included everything from mental health conditions to political views. I enjoy the series “25 Famous Women On” at The Cut (they do similar roundups with not-so-famous women, too), so here’s “14 Women on Keeping Your Personal Life Private at Work”:

1. Helen M., Seattle: “One thing I typically keep to myself is that I attend church. I’ve found it exhausting to combat the assumption that practicing religion [equals] conservative and/or fundamentalist. This is not just at work but also socially.”

2. Natasha C., Rochester, New York: “My workplace is very conservative, so I keep my LGBT status and liberal political leanings very quiet, except among a few, who also keep these secrets. You just never know what people will do to hurt your career because they don’t agree with your ‘lifestyle choices.’”

3. Ashley Austrew, Omaha, Nebraska: “I don’t talk about my depression and anxiety with coworkers, even though I am a writer and have written about it quite a bit. For some reason, talking about it makes me feel like they will see me differently, even if I know they’ve probably read things I’ve said about it.”

4. Kerry, New Jersey: “I have Type 1 diabetes and am legally blind in one eye. Oh, and I’m a transplant recipient. And chose my profession based on how long I was projected to keep my eyesight at age 22.”

5. Karin, New York City: “I don’t feel like explaining my whole life to coworkers; they usually don’t share my interests or life experiences so it’s more likely to cause them to view me as an outsider. And that doesn’t help my career prospects. Once you become ‘other,’ you’ll never be seen as part of the team and they’ll get rid of you first.”

6. Chris M., Rhode Island: “I’m a quiet person, so I probably don’t share a lot unless in a one-on-one discussion with a coworker that I am comfortable with. I don’t discuss my husband’s depression and limit what I discuss of a personal nature with anyone in a position above me. I should add that I’m in a manager role, too, so I try to walk the line of what I present to others carefully. I want to make sure people feel comfortable coming to me, so in that way I share some of my personal struggles in way to help them know they are not alone, but I pick and choose what I share carefully.”

7. Allison R., Chicago [formerly of San Francisco]: “I keep any strong feelings I have that comment on other people’s life choices private (religion, politics, drugs, last name-changing, etc.) but I have a few colleagues I talk to about most things, as we are friends. Though in San Francisco especially, most people would joke about drugs at my workplace a bit. Generally things that are too opinionated, I try to keep to myself.”

8. K.G., Pennsylvania: “The fact that I’m actually a pretty soft-spoken and quiet person outside of work. I’m way more assertive and direct at work than anywhere else (working on extending that to my personal life).”

9. Yu, California: “Something I don’t tell my colleagues is that I’m a pole dancer. I do it mostly for fitness purposes, since pole requires lots of strength. I perform in dance studios’ showcases occasionally. At my previous workplace I told my colleagues and my supervisors because it was a very supportive environment. I’m at a new place now so I’m unsure about revealing it yet.”

10. Sarah A., Ardmore, Pennsylvania: “My queerness, my mental health problems (I’ve always been told talking about my depression and anxiety could scare away potential employers), my weight, my income (this is a big one, I feel like people casually talk about their expenses and other things that make me super uncomfortable to discuss), my outside-of-work attire and tattoos/aesthetic.”

11. L.R., Alabama: “The fact that I am leaving the job as soon as possible because I dislike this town and my spouse detests everything about living in Alabama. Everyone I work with is a lifer who loves it here.”

12. Sara B., Maryland: “Working with two male physicians who are both older (and have more experience) than I do, I am careful to appear confident in my decisions, even when I’m more like 95% confident most of the time. I am generally too quick to share my insecurities with coworkers and I believe this is something more common to women in the workplace. Also, I save my complaining for home.”

13. A.L., Boston: “I’m non-monogamous/polyamorous. I live with a partner of six years who has another partner of five years.”

14. J.M., Indianapolis: “I don’t reveal how nerdy I really am. My line of work tends to value ‘cool,’ and I am decidedly uncool. I get excited about stuff nobody at work could ever identify with. I really have to tone this down at work and fake coolness.”

Let’s hear from you, readers: Are you careful to keep aspects of your personal life private at work, or are you more laid-back about it? If it’s the former, is that because you learned the hard way that being open about some things can be risky? Have you shared things at one employer that you’ve kept quiet at another? Do you reveal details to work friends that you’d never mention to your boss? (To go with  yesterday’s discussion on the idea of having distinct wardrobes for the weekend you vs. weekday you  – how different do you choose to look when you’re “off-duty,” if at all?)

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Top places you can get up close and personal with your favorite animals

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Adventure Aquarium – Camden, New Jersey

Most people dream of one day swimming amongst dolphins and sharks (we say MOST people, others are completely petrified of it) and some zoos and aquariums do offer this, but it is quite staged and seems uncomfortable for the animals involved. However, at the Adventure Aquarium in Camden, New Jersey you can swim amongst these animals in their natural habitat, without disturbing them. In their Adventure Aquarium, visitors are offered the opportunity to don your snorkel and enter the Shark Realm Exhibit, where you can get up close and personal to nurse sharks, sandbar sharks and more. After that, you can then swim over to the Stingray Lagoon, full of impressive Stingrays which you can swim with and feed. How cool is that?

Adelaide Zoo – Adelaide, Australia

Adelaide Zoo in Australia offers a plethora of interactive animal experiences that will give you hands-on experiences with some of the most dangerous animals in the world. One of these is the Nile Hippo experience which lets you bond with their pair of hippos, assist the zookeeper in checking out the health of the hippos, take part in their daily mouth check and help with feeding time. But if that doesn’t float your boat, you could enroll in their Big Cat Interactive program, which lets you get closer than ever before to their lions and tigers.

Cincinnati Zoo – Cincinnati, Ohio

The Cincinnati Zoo has become well-known for offering some of the most impressive interactive animal experiences in America. They offer everything from up close and personal animal meet-and-greets to their Junior Zookeeper pass option (yes, this really does mean that you get to hang out with baby animals) and their most popular Elephant Extravaganza. This option gives you the chance to meet their incredible elephants, who paint you a picture using just their trunk – and then you finish it all off by giving them an adorable bubble bath. Of course, it is pretty expensive, but all of the money raised from these experiences goes to help and protect elephants out in the wild.

ZSL London Zoo – London, England

The ZSL London Zoo is one of the oldest zoos in the world – and one of the most incredible. It offers a variety of interactive experiences where you can hang around some of your favorite animals, and even offers the London Zoo’s Keeper for the Day program. This means you are trained as a professional zookeeper for one whole day, where you can get up close and personal with the giraffes, gorillas, penguins, lions and more. You feed them and look after them – although this does include cleaning out their enclosures, too!

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Exclusive: Government transparency site revealed Social Security numbers, other personal info

A federal government transparency website made public dozens, if not hundreds, of Social Security numbers and other personal information in a design error during a system upgrade.


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Omarosa Manigault Newman wandered around the White House taping ‘nearly every conversation she had’ on her personal cell phone

The methodology behind former presidential aide Omarosa Manigault Newman internal surveillance operation has been revealed — she hit record on her personal cell phone and walked into White House meetings. Those taped meetings includes at least one sit-down in the Situation Room, where she was fired…

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Your End-Year Personal Finances Checkup: 5 Moves To Make Now

Embarking upon the second half of 2018, now is an ideal time to review your personal finances. Perhaps it’s been a while since you checked your goals from the beginning of the year on investing prudently, socking more money away, or eliminating debt. Still, it’s not too late to reinvigorate your financial portfolio before 2019 arrives.

There are many forces to navigate while trying to manage your money in today’s business climate. For instance, the U.S. economy has performed strongly in recent months. Many economists predict that the gross domestic product will rise about 3% in 2018, the highest in about 13 years. Some credit President Donald Trump’s $ 1.5 trillion tax reform law as a contributing factor, claiming the growth is helping boost areas like corporate and consumer spending.

Yet others argue corporations are using the tax cuts to largely repurchase their own shares. Stock buybacks are expected to reach $ 1 trillion this year, The New York Times reported. While that activity perhaps boosts companies’ market value and contributes to overall stock market growth, there is a concern it’s not making workers with little or no stock holdings wealthier.

Some prominent leaders also fear a growing red flag: The Trump-led U.S. trade war with other countries. In early August, Trump ordered his administration to look at raising proposed tariffs on $ 200 billion worth of Chinese goods to 25% from 10%, according to a New York Times report. A prolonged trade battle could eventually hurt the U.S. and worldwide economy, particularly if other countries like China, Turkey, and Canada keep retaliating with their own tariffs on American goods.

Observers fear a mounting trade dispute could even ultimately depress the so-called FAANG (Facebook, Apple, Amazon, Netflix, and Google) stocks—high-tech growth stocks that spurred the bull market run the last nine years.

The good news for investors is the U.S. stock market is nearing a huge turnaround as this year marks the 10th anniversary of the financial crisis of 2008. The meltdown battered the economy, depressed stock prices, and nearly crumpled the financial system. Yet the current bull market is positioned to set a new all-time record for longevity before August ends, according to Investopedia. This performance after cataclysmic times demonstrates that it would be unwise to totally abandon the stock market due to volatility, which has been the norm for quite some time. African Americans—a group that Black Enterprise has revealed through the years of interviews and research, tends to retreat during times of market volatility—should take heed. According to Pew Research, the wealth gap widened between black households and white households since 2008, largely due to meager financial assets like stocks.

Another area to watch: Moves by the Federal Reserve. The central bank has raised short-term interest rates twice in 2018 and plans to make two more increases by year’s end. The hikes mean people pay more on credit cards and adjustable-rate mortgages and other debt. Simultaneously, consumer debt for Americans could hit a record $ 4 trillion by late 2018, online loan platform LendingTree reports.

The bottom line is you must be consistently diligent to achieve your financial goals. Black Enterprise talked to leading financial experts to get the insights you need to help give your finances that mid-year lift.

Investment and Retirement Planning

One big question individual investors continue to ask: How should I invest in a volatile market recently impacted by such events as the Trump trade wars and Facebook’s data-privacy controversy?

Given the length of this economic expansion and the bull market, the consideration of “where we are in the cycle” has to be factored into one’s investment portfolio, says Wendell Mackey, founder, co-CEO, and chief investment officer at Channing Capital Management (No. 9 on the BE Asset Managers list, with $ 3.05 billion in assets under management). The Chicago-based firm specializes in managing assets for institutional investors, including endowments, foundations, and pension funds.

personal finances

Wendell Mackey

Mackey says the trade wars and government scrutiny over Facebook policies have created uncertainty that will be resolved over time. He added the current mispricing of select equities is creating both intermediate and long-term opportunities for investment areas left behind in the growth-led rally.

He recommends investors have a portfolio focused largely on U.S. companies, favoring industrial-oriented areas that will keep benefitting from the nation’s strong economy. Mackey favors financials—particularly smaller regional banks—in which consolidation has been a continuing trend. He also likes energy, materials, industrial, and consumer goods companies that are reasonably priced with the potential to realize gains. Though Mackey’s firm respects the business models of the tech-driven FAANG companies, he says those companies have had a long run and may have trouble keeping up their torrid pace of growth.

“If one has FAANG exposure in their portfolio, we advise they broaden out their investment into other companies or areas that offer value.”

For investors with durability, Mackey suggests the emerging markets as an asset class to consider. “As the trade wars get resolved, and companies adjust (as they always do over time), we think emerging markets offer value to long-term investors.”

With retirement, people who set financial goals are seven and a half times more likely to be confident about retirement. And they save at a rate that is twice as high as those who do not have a goal, according to the Lincoln Retirement Power Participant Study. Participants who are saving less than they think they need say that they “can’t afford to save more” and “have other financial goals that are more important.”

personal finances

While debt is also a factor, other financial goals like saving for a vacation or an emergency fund are also putting pressure on retirement savings and fighting for consumers’ share of wallet, says Jamie Ohl, president of Retirement Plan Services for Lincoln Financial Group. Setting other financial objectives, like paying off debt, can also be a plus for retirement savings. The median retirement savings rate among people who have set a goal for how much debt they want to pay off this year is 10%, as opposed to 7% for those with no goal.

TAXES

The new tax law lowered tax rates, doubled the standard deduction, placed caps on mortgage interest and state and local tax deductions, and suspended personal exemptions, says Harvey Hoskins, managing partner tax services at Hoskins & Co., a black-owned CPA firm in Nashville, Tennessee.

The higher standard deduction may mean the end of itemizing deductions for charitable deductions, home mortgage interest, and more for many individuals. Plus, interest on home equity loans is eliminated along with unreimbursed employee business expenses.

Given these massive changes, Hoskins says it’s important to determine before year-end whether you will likely itemize or take the standard deduction as this will have a major impact on any tax planning decisions. Under either circumstance, making the maximum contribution to employer-sponsored retirement accounts or other plans is still a great way to lower your tax liability.

Other areas that may lower tax liability: the child tax credit doubled from $ 1,000 to $ 2,000, and if you care for a dependent who is not a child a $ 500 credit has been added. “The new tax law is anything but simplification,” Hoskins says, “and everyone will be impacted one way or another.”

DEBT MANAGEMENT and BUDGETING

 

At $ 1.5 trillion, student debt topped auto loan debt ($ 1.1 trillion) and credit card debt ($ 977 billion) as of the first quarter of 2018, Federal Reserve figures show. Shelly-Ann Eweka, a financial adviser at TIAA, provided tips to pay off student loans:

She suggests paying regularly as much as possible and consider consolidating debt. Be sure your consolidation loan is still classified as a student loan as you can often deduct the interest on those loans. Don’t transfer the debt to a credit card. That debt is not deductible, and an enticing credit card that charges 0% interest could boost that to, say, 19% interest after a year.

Eweka also offers four steps to erase credit card usage. Use a debit card instead. Consider other borrowing options. You may qualify for a student loan with more favorable terms and the repayments are tax deductible. Make sacrifices and look at what expenses you can cut. Have a strategy to conquer debt. Make minimum payments on everything and use excess cash flow to pay extra on the credit card with the highest interest rate.

As for budgeting, now is a good time to boost your savings if you are not doing that already. Have at least six months’ to one year’s worth of expenses in an emergency account. You should be doing that now and marching into next year. Make eliminating credit card, student loan, and car notes debt a top priority.

The post Your End-Year Personal Finances Checkup: 5 Moves To Make Now appeared first on Black Enterprise.

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New ‘Unfriended: Dark Web’ Trailer Makes the Terror Personal; Here’s Everything We Know

New 'Unfriended: Dark Web' Trailer Makes the Terror Personal; Here's Everything We Know

Update: The first trailer for Unfriended: Dark Web explained the concept of "the dark web," a secret part of the Internet where bad people can do terrible things. Now a new trailer makes the terror more personal.

Watch the new trailer and then catch up on everything we know below, including the new poster. The film will open in theaters on July 20.

(Read our previously-published post below.)

 

We've always suspected that our computers are out to get us!…

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The President’s longtime personal attorney also refused to follow Trump’s lead to cast the FBI in a negative light over raids on his home, hotel room and office

President Donald Trump’s longtime personal attorney, Michael Cohen, is putting his loyalty to “family and country” before his old boss.


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Celebrity Stylist Zerina Akers Opens Up About Her Personal Journey, Black Designers, and Working with Beyoncé [Photos]

If you’ve been wondering why Beyoncé’s fashion game has been on point lately, it’s because of celebrity stylist Zerina Akers.

As Beyoncé’s “personal stylist and wardrobe curator,” Zerina is the woman responsible for the looks you see on Bey’s Instagram as well as recent music videos.

Blessings on Blessings! #StyledbyZerinaAkers #Beyonce

A post shared by Zerina Akers (@zerinaakers) on

Look-by-look and client-by-client, Zerina’s continuing to make a name for herself in MAJOR ways.

In an interview with Le Magazine Noir, Zerina keeps it real about how she manages her work ethic, the importance of uplifting Black designers, and her proudest moment.

Check out a few excerpts:

On managing her work ethic: I recently turned 30 and I’ve decided that my 20s were for working hard, my 30s will be about working smart, and I will enjoy it all in my 40s. I don’t have a lot of time so I try to spend it wisely. When I have moments to just be with my people and be in my home, I make sure to cherish it and make it count. For me, now is about investing my time into what I want to create, and who I want  to be. In between pulls or running errands, I’ll try to catch up with my friends and family over the phone and make sure that no matter what they know that I think about them and I love them.

On Black designers: “There is so much talent in the World and often not enough resources for some people to truly express themselves through their craft. I have watched many young designers grow but I have also watched many designers stray away from their dreams. I just try to support them as much as I can because sometimes it’s the most simplest moment that can completely launch someone’s career and completely change their life.”

On working on Beyoncé’s ‘Formation’ hat look: “That was the fist time I realized that I can create work that will OUTLIVE MYSELF. That look was composed of all INDIE designers and became it’s own moment, it’s own image.”

You can read more of what Zerina has to say here.

The post Celebrity Stylist Zerina Akers Opens Up About Her Personal Journey, Black Designers, and Working with Beyoncé [Photos] appeared first on lovebscott – celebrity gossip and entertainment news.

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Frida Kahlo’s once sealed personal belongings go on display in UK

LONDON (Reuters) – Frida Kahlo’s eyebrow pencil, lipstick, clothes and prosthetic leg are among the Mexican artist’s personal belongings going on show in London, the first time her possessions will be on display outside her home country.


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Kate Spade’s Husband Issues a Statement on Her Suicide: ‘There Were Personal Demons She Was Battling’

Kate Spade’s husband has finally spoken out on the fashion designer’s suicide.

In a statement, Andy Spade confirmed they’d been living apart for quite some time but kept up appearances for the sake of their daughter.

via TMZ:

In a statement to the New York TimesAndy Spade says, “Kate suffered from depression and anxiety for many years. She was actively seeking help and working closely with her doctors to treat her disease, one that takes far too many lives. We were in touch with her the night before and she sounded happy.”

He continues, “There was no indication and no warning that she would do this. It was a complete shock. And it clearly wasn’t her. There were personal demons she was battling.”

Spade confirms the two were living separately for the last 10 months, but says they still took vacations and had dinners together for the sake of their daughter … he says they never discussed divorce.

Spade also told the NYT Kate didn’t abuse alcohol or have any business problems … however, we know that’s what he told cops investigating her death.

So sad. You can read his full statement here.

The post Kate Spade’s Husband Issues a Statement on Her Suicide: ‘There Were Personal Demons She Was Battling’ appeared first on lovebscott – celebrity gossip and entertainment news.

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Ex-Trump advisor Gary Cohn: We need to do ‘tax cut 2.0’ and make personal reductions permanent

Gary Cohn, the former head of the National Economic Council and key advisor to President Donald Trump, said personal tax cuts need to be made permanent.
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Work-Life Boundaries: Rituals and Other Ways to Separate Your Work and Personal Life

work-life boundariesI just heard a speaker talking about the importance of boundary rituals for doctors — little habits and rituals that set work-life boundaries to keep your work and personal life separated. I knew exactly what she was talking about, and thought it was such an interesting way of phrasing it — and I thought it might make a nice discussion here. So, ladies, what are your boundary rituals? Have you always done them or did you adopt them over time? What are your biggest challenges with work bleeding into your personal life?

Psst: we’ve talked in the past about answering work emails at home, homing from work, and after-work routines.

Work-life boundary rituals and habits to try after work:

  • walking or driving home through a picturesque route (or one that goes through a picturesque spot)
  • listening to music or a non-work related podcast (psst: Slow Burn is excellent if you’re curious about what it was like to live through Watergate!)
  • changing into workout clothes or jeans when you get home from the office
  • cooking dinner (or having a glass of wine while cooking dinner)
  • “docking” your iPhone at a specific spot in your kitchen or living room so you can check it occasionally (or even [gasp!] changing your settings so it only checks for new mail every 15-30 minutes)
  • going through a ritual with family or your roommates where you share a rose and a thorn from your day with each other — something that was a win for the day as well as something that was hard.
  • going through some quick breathing exercises or a meditation app like Headspace (we’ve talked before about the benefits of meditation for business women)

Boundary Rituals for the Office

Sometimes you need the separation more the other way — so here are some possible boundary rituals to practice at the office to keep your personal life at home…

  • turning your personal phone to silent/mute (if not turning it off entirely)
  • slipping on your heels or other “shoe that lives at the office”
  • discouraging friends and family from calling you or texting you at work unless it’s really an emergency
  • engaging in a specific productivity practice like having set times to answer most of your work emails, writing down three tasks to accomplish that day, or even finalizing your billable hours from yesterday and/or planning your time today

How about you, readers — do you find that you need work-life boundaries to keep your personal life separate from your work life?work-life boundaries - how to set boundaries between your work and personal life What do you do, both at home as well as at the office?

The post Work-Life Boundaries: Rituals and Other Ways to Separate Your Work and Personal Life appeared first on Corporette.com.

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Holocaust survivors share their personal stories

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Bosch is helping build the future of personal transportation

eBike Reivew 2018

Companies like Bosch that supply the component parts of electric bicycles are busier than ever these days. As such, they’re also armed with data that suggests the e-bike market — contrary to how it might look to skeptics that see it as a niche for eco-conscious hipsters — is primed for breakout growth.

Bosch eBike Systems sales and marketing manager Jonathan Weinert, for example, tells BGR the company is having trouble building factory capacity fast enough to keep up with demand. Here’s another indicator — Bosch today is working with some 30 different partners that use the Bosch e-bike system in a variety of bike models, up from less than 10 brands when Bosch entered the market in North America just a few years ago.

Continue reading…

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Bosch is helping build the future of personal transportation originally appeared on BGR.com on Sat, 28 Apr 2018 at 12:00:12 EDT. Please see our terms for use of feeds.


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Trump personal lawyer’s hotel room, offices, home raided by FBI agents

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

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Personal trainer’s photos show us what really happens post-baby

by

Carolyn Robertson

posted in Life

Neema Sempebwa is a personal trainer, so it’s no surprise that her Instagram feed is often home to workout videos, motivational fitness quotes and an impressive collection of photos showing off her toned tummy.

Last year the 39-year-old from London became a mom, and since then she’s also been using her Insta account (@bodywisemum) to document how she’s losing the baby weight.

Now, I know this probably sounds pretty familiar; we’ve all seen the celebrity and super fit moms who have bounced back from baby bump to bikini in record time. Neema’s story, though, is a bit different.

“This is what my 6 weeks post partum body looks like,” Neema captions one post-pregnancy shot. “It’s unique to ME and MY journey. It’s different to where I thought I would be…. because I compared myself to others…. BIG MISTAKE…. I’ve seen some Instagram posts of women at 6 weeks who are rocking a six pack and no stretch Marks… I have one big jelly pack- and plenty of stripes!”

Neema hasn’t ditched her healthy lifestyle since welcoming her daughter Lana – she still regularly shares workout clips and nutrition tips with her social media followers. What sets her apart is her refreshingly realistic approach.

She doesn’t begrudge those moms who seem to shed the baby weight without even trying – she just points out that for many moms, there is much more to the story.

“Reality for the majority is- There is no snap back after birth! Wearing granny panties and the baggiest tracksuit bottoms you have is perfectly normal,” she writes. “The female body goes through so much during pregnancy and birth. Why are we then feeling pressured to bounce back into shape and having visible abs after a human pops out of us?!”

Amen.

Reading through Neema’s posts, I was struck by the kindness and acceptance she shows herself. She doesn’t judge how long it’s taking her to lose the weight, she doesn’t beat herself up over the stretch marks or loose skin. She talks about her body, about its curves and changes, with such genuine love and gratitude, and it made me realize just how rare a thing that is among the moms I know – myself included.

As a mom to two little girls, I cheer every time we collectively make room for new definitions of beauty, for different shapes and sizes and representations. Neema’s journey reminds me that it’s important to extend that same sense of joyful acceptance to myself.

“8 months [postpartum today and this body is showing all the signs of one that had a baby,” Neema mused on a recent post, going on to list them all: stretchmarks, loose skin, lost muscle, droopy boobies, additional body fat, hair loss.
⠀⠀⠀⠀⠀⠀⠀⠀⠀
“But it also displays all the signs of being a MOTHER.”

I think that’s the part we too often skip right over. Every part of me carries the marks of motherhood – my life, my home, my family, my heart, and yes, my body, too. Maybe that’s not such a bad thing.

How is your postpartum body image?

Thanks to Neema Sempebwa for sharing her photos and her postpartum story – be sure to follow her on Instagram (@bodywisemum).

BabyCenter Blog

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Perfect Gifts for the Perfect baby

Abiding, Personal Style with Terry Ellis of Beams/FennicaMy…

Abiding, Personal Style with Terry Ellis of Beams/Fennica

My favorite Instagram accounts to follow (1) use original, in-phone photos vs. perfectly lit DSLR shots transferred to Instagram, (2) are updated a lot, and (3) show me stuff I don’t see everywhere else (i.e., not latte art and sunsets). Terry Ellis’s feed hits it out of the park on all three counts–he posts pretty much constantly–photos of his travels, the people he meets and works with, folk crafts, awesome clothes, and his stylish self.

A Londoner with West Indian roots, Ellis is a buyer for fennica, a sub-brand of Beams Japan, and his career, and good taste, stretches back to the 1980s. He worked as a buyer and stylist in London before connecting with Beams–a megastore in Japan for which he travels the world selecting clothing, furniture, and other design objects to carry.

I wanted to get a little insight into Terry’s personal sense of style, which also suffuses the type of things fennica sells, so I spoke with him about how he got where he is today and how to work on your own style.

What pushed into a career as a retail buyer? I read that you first worked at a store called Barnaby in London in the 1980s.
I got interested in buying because it offered the chance to travel internationally. Paris at first then Florence and Milan later. Barnaby was a small menswear store in Kensington Church Street, near Kensington Market. It sold casual stuff, no business suits, mixed with some high end designer brands.

I remember selling Paul Smith, CP Company, Chevignon, Stone Island, and even a Japanese brand called Culture Shock there. The customers were locals from Notting Hill and Ladbroke Grove, the trendies who would do a weekly or monthly tour of the London shops, and tourists from Europe, America, and Japan who came to check out Kensington market.

You’ve always had remarkably consistent personal style–to what might you attribute that?

I grew up in Jamaica and London and absorbed attitudes associated with ska, reggae, gospel, soul, punk, new wave. I went to work in Japan in my twenties and learned to view American and European clothes through that very particular prism. I suppose those  influences were enough to keep me occupied in terms of personal style without the need to catch or follow trends.

Have your tastes change much over the years? Is there anything you were into 20 years ago that you wouldn’t like today?

I’m sure my taste has changed, but probably too slowly for me to notice. 20 years ago is not so far away and I still have a lot of the things I wore then. I was very interested in bespoke tailoring and bespoke shoes back then, and still am a bit, but can’t afford the prices now.

What are your tailoring tastes like?

I have sack suits from Winston Tailors and English cut suits from
Anderson & Sheppard. I wear the sack suits more frequently. I wear suits for fun,
really. I don’t work in a business that requires them.

Is there anything about American style that you find unique or appealing?

I am
constantly inspired by American uniform clothing, particularly military,
workwear, college, and sports clothing of the 1940s and 1960s. I didn’t
visit the USA till the early 1990s, so my first contact with American
clothing came about via thrift stores in London and Tokyo, and also via
European takes on American style such as French Ivy, 1980s paninari,
Buffalo etc.

I think of American clothing as tough, functional,
decorative uniforms that are adopted, customised and repurposed by
people who are not American.

You seem quite passionate about clothing and design. How do you find new things to be excited about? 

I don’t remain in one place for very long so I don’t feel that things around my are getting old..or rather they are constantly being renewed in my absence. I am often surprised by exciting new types of clothing or craft objects,  but they are not Western things.

I know you’re a fan of mid-century modern style furniture and design–do you
think that sort of design ethic crosses over into clothing?

I think there’s a
discussion to be had about this. Mid-century modern furniture has been
popular for around 25 years now. It may have links with 1990s minimalist
fashion, and also ‘heritage’ what about other trends such as streetwear
or athleisure? I think the pace of change between fashion and furniture
is too uneven to link smoothly.

Do you have any advice for men (or women) refining their tastes and building their personal style?
I
am wary of giving advice. But If pushed would suggest that studying or
collecting the works of potters, weavers, and basket makers is an
interesting way to train the eye.

Thanks, Terry!

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4 Common Myths About Filing Personal Taxes

common-tax-myths-about-filing-taxes

Every year, we assemble our W-2 forms, expense receipts, and more in preparation to file our taxes.

Some of us prepare our returns without fully understanding how exactly we’re supposed to file our personal taxes. And those of us who do try to understand how to file them properly end up sifting through 100+ pages of instructions before doing what we can and hoping for the best.

In this post, we debunk four common misconceptions about filing personal taxes and answer questions like what is a filing extension, what triggers audits, who files taxes, and what income is reported in your tax return.

Myth 1: A tax filing extension is also a payment extension

A common misconception is that a filing extension also gives you more time to pay any taxes you may be owing. However, this is untrue. Your payment, which can be steep if you pay all your taxes in April as opposed to with your paychecks, is due, in full, no extensions.

If you’re not ready to file your taxes by the mid-April deadline, you can submit a request to the Internal Revenue Service, also called the IRS, and ask for a filing extension for your tax return. With an extension, you have an extra few months to collect your receipts and income statements without incurring any sort of filing penalty.

That said, this filing extension is just that—an extension to file. Nothing more.

So, if you apply for a filing extension, save the trivial details (like copying receipts or printing spreadsheets) for later. Instead, pull out your calculator early and start preparing an estimated total using the IRS’s Instructions for 1040 tax table. Once the IRS receives your tax papers a few months later, this amount will be formally calculated and adjusted, if required.

Myth 2: Tax audits can only be triggered by lying or making mistakes

Though lying or mistakes can trigger an audit, it is not the only reason the IRS would consider auditing your income report.

For instance, the IRS may audit people who break reporting requirements (like those who unknowingly do not comply with the Foreign Account Tax Compliance Act) or people with hefty yearly salaries (like those who make over $ 200,000 per year).

When the IRS looks at returns, they typically compare your information to statistical norms and then flag irregularities for further review. Things like improperly reporting your income or falsifying personal expenses as business expenses (like claiming a dinner date with your spouse as lunch with a client) are definite red flags.

You can certainly sidestep some audits by remaining truthful and avoiding inaccuracies. However, some audits are inescapable. You can, at the very least, avoid any repercussions from getting audited by filling out your tax return precisely and properly.

The more documents you need to include with your taxes, the more difficult filing your taxes can be (and likewise, the more difficult it can be to avoid making mistakes).

However, outlining your worth in a Personal Financial Statement can help you sort out your financial affairs and hopefully mitigate any audits caused by slipups.

Myth 3: Everyone with an income files a tax return

Many of us assume that taxes are mandatory for all Americans with an income, but in reality, they’re not.

When it comes to personal taxes, those of us who make under a certain amount per year are not required to file an income tax return.

That said, even if you don’t technically need to file a tax return, the IRS recommends doing so anyway in order to be eligible for a potential refund or any credits (like the additional child tax credit, earned income credit, American opportunity credit, etc.).

If you’re unsure about whether you’re required to file taxes or not, consult the IRS’s 1040 filing instructions.

Myth 4: Only employment earnings are reported on your taxes

Supplemental wages (like vacation pay, bonuses, commission, etc.) and additional income (such as scholarships or grants) are usually included with your wages, tips, and other compensations.

Keep in mind that there may be some exceptions (for instance, some scholarships or grants may be nontaxable).

The IRS’s Interactive Tax Assistant (a responsive tool that calculates whether your additional income is taxable or nontaxable) can be used to find out what information you need to include on your return.

Preparing to File Your Personal Taxes

Every year, many of us file our taxes how we did the year before or the way we’ve been taught in school or at home. Unfortunately, this could mean some of us are unaware of misunderstandings or misinterpretations that cloud our ability to prepare and submit our taxes correctly.

By shedding some light on the most common tax myths, we hope you have a better grasp of personal tax filing, including extensions, audits, and reportable incomes.

The post 4 Common Myths About Filing Personal Taxes appeared first on LawDepot Blog.

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JAY-Z’s 4:44 Inspires Personal Finance Book to Build Black Wealth

In addition to revealing raw emotion and intimate revelations about his family, Jay-Z packed his critically acclaimed 13th studio album, 4:44, with inspirational gems about economic empowerment. Ash Exantus, a financial expert and author popularly known as “Ash Cash,” has transformed the lessons in financial literacy from the album into a new book titled The Wake Up Call: Financial Inspiration Learned from 4:44 + A Step by Step Guide on How to Implement Each Financial Principle.

In the book, Exantus decodes the messages and offers readers a blueprint on credit management, entrepreneurship, collective economics, and smart investments. The overall purpose of the book is to empower the African American community to manage money more effectively and build generational wealth.

In the following excerpt, Exantus explains the correlation between financial freedom as a means to fight systemic racism and build political capital and power.

When Jay says Financial Freedom is our only hope he is not exaggerating. Even before #45 took office we began to see a resurgence of racism. Mike Brown, Trayvon Martin, Philando Castile, Alton Sterling, Freddie Gray, Eric Garner, Sandra Bland, Kalief Browder and the countless other injustices are examples of what happens when our collective power is not respected. When there is no real consequence for injustice then we are simply begging for mercy, and no one respects a beggar! The truth of the matter is that money is power! Those who control the money, control everything else… Politics, Schools, Business, Police, Community and everything else in between.

 

Just to be clear racism isn’t what the dictionary and the media want you to believe it is; which is defined as prejudice, discrimination, or antagonism directed against someone of a different race based on the belief that one’s own race is superior. The true definition of racism (as stated by Dr. Claude Anderson in his powerful book #Powernomics) is when one group holds a disproportionate share of wealth and power over another group then uses those resources to marginalize, exploit, exclude and subordinate the weaker group. That’s why when you turn on the television it seems like African-Americans are losing every-day! Because of systemic and institutionalized racism!

 

Without getting too deep into the history of black economics, we must realize that most Blacks have only been able to create ‘real’ wealth and financial freedom for the last 50 years – slavery lasted 223 years from 1640-1863, then reconstruction and Jim Crow laws lasted 102 years from 1863-1965. It wasn’t until the post-civil rights era that we began to see the tides change. And to be clear most of this was LEGAL and sanctioned by the government. For a more in depth look at the government’s involvement in wealth disparities and inequities please read “The Color of Law: A Forgotten History of How Our Government Segregated America” by Richard Rothstein.

 

I can go on and on about how we got here but 4:44 is the first step in making things right. A recent report titled “The Road to Zero Wealth,” looks at the past 30 years of wealth accumulation across racial lines, as well as what the future will bring if current trends continue; it comes to the conclusion that by 2053, just 10 years after the country is projected to become majority non-white, black median families will own zero wealth and twenty years later, Latino median families will follow suit. White median families will continue to own six figures. The key words here are “If current trends continue!” That’s why it’s imperative that we get our collective economic lives together!

 

The following lessons in this book will give you a step by step guide on how to begin to create financial freedom for you, your family, and community. This is probably not the first or last time we will have this conversation and I can assure you that we have a steep mountain to climb, but if we all get on the same page then we can tip the scale and reach the mountain top faster.

 

You will learn about credit; what it is, how it works and how you can use it to build wealth. There is a step by step guide on how to buy real estate and the power it holds in the wealth creation process. We discuss appreciation and depreciation and how to spend your money wisely. We discuss starting a business, and creating multiple streams of income. We tackle spirituality and discuss how “This Spiritual S#@t Really Works” especially when it comes to your finances. You will learn about the importance of cooperative economics, how to pass down wealth to the next generation, and how to protect your ASSets through insurance, wills and trusts. This guide will give you the jump start needed to right the wrongs of economic inequality.

Check out Ash Cash’s personal finance book here.

 

The post JAY-Z’s 4:44 Inspires Personal Finance Book to Build Black Wealth appeared first on Black Enterprise.

Money | Black Enterprise

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Taylor Swift sent fans flowers for their wedding, and her personal note will make you cry

Taylor Swift sent fans flowers for their wedding, and her personal note will make you cry


Taylor Swift sent fans flowers for their wedding, and her personal note will make you cry

It’s no secret that Taylor Swift has a, well, reputation. (Sorry.) But a big part of that reputation is how kind and generous Swift can be to her fans. It’s an admirable quality in any person with a public presence. But we especially love Swift’s acts of kindness toward her fans because they always seem so genuine and personal. And her most recent gift is no exception: Taylor Swift sent a couple flowers with a sweet personal note on their wedding day.

Lexi and Brittany, high school sweethearts, dated for nine years before deciding to get married. According to their TheKnot.com wedding website, they cite Taylor Swift’s song “Love Story” as a huge part of their relationship. In fact, the couple even used lyrics from the song as part of their proposal!

“Her entire proposal was straight from the heart, no hand written [sic] speech,” Lexi wrote. “I remember I couldn’t stop shaking. I kept thinking, this is the moment, after all these years… I’m about to say YES! She ended her speech with the best line of all time. As she got down on one knee she said… ‘So I talked to your dad, now it’s time to pick out a white dress…will you marry me?’”

Of course, those are lyrics from Taylor Swift’s “Love Story.”

And we’re completely in love. The only thing more adorable than Lexi and Brittany’s sweet proposal? The beautiful flowers and heartfelt note that Taylor Swift sent them on their wedding day!

“Lexi & Brittany, You have no idea how honored I am that ‘Love Story’ has been such a big part of your beautiful love story. I’m absolutely thrilled that Lexi said YES! Have the most magical wedding day and hopefully I can meet you both soon! Love, Taylor.”

We’re not crying, you’re crying.

Congratulations, Lexi and Brittany! We wish you all the best in the next phase of your love story.

HelloGiggles

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The Personal Tragedy That Changed Ann Curry’s Life & How It Inspires Her Life | PeopleTV

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SPECIAL NEWS BULLETIN:

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Identity Theft Is Also A Problem for African Americans’ Business and Personal Finance

Since the rise of the internet, identity theft has been a growing problem in the United States, affecting both consumers and business owners alike. Business owners are more profitable for identity thieves, due to the potential to hack into larger credit lines, bank balances, and reserve accounts, along with the fact that less oversight of business accounts (compared to consumer accounts) means that it’s easier for hackers to open other commercial credit lines at a rapid pace. Here are some facts:
  • There’s now over 12 million victims of identity theft per year and at least 5% are African American
  • Nearly 35 million Americans have been a victim in some capacity
  • Nearly 10% of all U.S. households have been a victim in some capacity
  • 22% of identity theft victims have experienced multiple cases of identity theft
  • 29% of victims spend a month or more trying to resolve identity theft problems
  • Nearly 40% of victims report bouts of severe emotional distress as a result
  • Average loss per identity theft case is over $ 5,000
  • Total identity theft losses in 2014 were $ 26,350,000,000
  • Half of identity theft cases go unnoticed for at least 30 days
  • 1 out of 10 identity theft crimes go unnoticed or hidden for 2 or more years
Due to the well-known fact that most black businesses have lower sources of capital, assets, and general wealth/resources compared to their white counterparts, it’s vital that a black business owner do the best that they can to avoid becoming a victim of business or personal identity theft.

Hacking Procedures

As covered by the BBB, identity thieves can hack into your personal or business information through a variety of ways:
  • Bank accounts
  • Credit reports
  • Loan accounts
  • Fraudulent business filings
  • Social Security numbers
  • Tax Identification numbers
  • Credit Card accounts
  • Cell phone service
  • Internet account service
  • Pretending to be you or a major manager of your company to gain external data
Thieves will usually use stolen card numbers, bank accounts, etc., to immediately purchase items that they can resell for cash on the black market. These actions can obviously leave a business with a destroyed credit rating, loss of revenue, loss of business, potential cash-flow issues, and a variety of other problems.

Identity Management

Here are a variety of steps you can take to help reduce the risk of becoming a victim of identity theft through either your personal or business related information:
  • Do not send any information to people you don’t know.
  • Keep all important business and personal documentation in a secure place.
  • Use anti-virus software, fraud management tools, and firewalls for all technologies, computers, and devices.
  • Review your business and personal credit reports often, with alerts notifying you of when there’s any type of change to your profiles or reports.
  • Sign up for identity theft insurance, which comes with monitoring services to notify you of suspicious activity
  • Sign up for online banking, set up various security alerts/controls and review all of your details daily within your bank accounts.
  • Make sure all of the alerts on your credit cards, credit line accounts, loan accounts, insurance accounts, investment accounts, and any other important accounts are set up to notify you of when there’s any changes, additions, updates, etc. Also, try to review said accounts on at least a bi-weekly basis.
  • Run a lien check, business record check, and other public information check against your personal and business profiles at least on a quarterly basis, or have some sort of credit monitoring program that monitors these activities.

If An Event Occurs

If you think you might be a victim, contact your identity theft insurance provider immediately to notify them. In addition, file a police report and place a fraud alert on all accounts. Also, make sure to contact all of your partners, bankers, creditors, accountants, attorneys, vendors, suppliers, etc., to notify them of the situation and begin making various arrangements for assistance or payment modifications. Perps are getting more creative in how they steal information and more efficient in how fast they sell off stolen purchased items. Billions a year are being lost along with destroyed identities and reputations. Manage your identity to the fullest and don’t let the perps win.

The post Identity Theft Is Also A Problem for African Americans’ Business and Personal Finance appeared first on Black Enterprise.

Money | Black Enterprise

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Black Woman CPA Breaks Down How The New Trump Tax Plan Affects Your Personal Finances

Kemberley “Kemcents” Washington, CPA is the co-founder of Washington CPA Services L.L.C. She is part of the  AICPA National Financial Literacy Commission and regularly appears on broadcast TV providing financial advice. Here is her take on what the GOP’s massive new tax bill means for your financial life: 

 

The GOP passed the most massive tax bill in more than 30 years. While the bill is known for helping large corporations, the plan will impact each taxpayer’s personal finance in significant ways.

First, to get an understanding of how the GOP tax bill will impact you, you have to understand the current tax laws and the expected changes.

Standard and Itemized Deductions

Currently, an individual can take the higher of the standard deduction or itemized deduction on their tax return. Both deductions reduce taxable income under the GOP tax plan The current standard deduction for filers is  $ 6,350 for single filers, $ 9,350 for head of household, and $ 12,700 for joint filers. Itemized deductions include amounts paid for charity, medical, mortgage interest, casualty losses, state and local taxes, and other expenses. An individual will still be able to take the higher of the standard deduction or itemized deduction on their tax return.

The standard deduction doubles for tax filers. The amounts will increase to single $ 12,000, head of households $ 18,000, and joint filers $ 24,000.Some itemized deductions will be eliminated or limited. Casualty losses will no longer be deductible unless it is a federally declared disaster. Mortgage interest will be limited to mortgage debt of $ 750,000. State and local taxes are limited to $ 10,000.

How will this impact me –  If you live in states with high state and local taxes, you may not benefit from the change. Also, if you experience a loss due to a casualty, it may not help unless it is a federally declared disaster.

Personal and Dependent Exemptions

The current tax law allows for persons to claim a deduction of $ 4,050 per person for each spouse and dependent. The personal exemption reduces taxable income and can be very advantageous to those who have a large family and a number of dependents. The deduction does not depend on your filing status but could be phased out if you are a high-income earner. The new tax law is expected to do away with the personal exemption.

How will this impact me – If you have a large family with many dependents, you may not benefit from this change.

Child Tax Credit

The current tax law allows a child tax credit of $ 1,000 per person and limits the credit to those with moderate-income (up to $ 110,000). The credit is available to those who have children under the age of 17 and meet certain tests. The bill is expected to increase the credit to $ 2,000 per child and extend the credit to higher-income tax earners (up to $ 400,000 joint).

How will this impact me – If you have dependent children, you can expect to benefit from the child tax credit.

According to the Tax Policy Center, high-income taxpayers will receive the largest tax savings under this bill.  The Center also estimates that the average middle-income taxpayer will pay about $ 900 less under this bill. The amount of tax savings will depend on your personal filing status, income, and the number of dependents. But overall, middle-income individuals can expect to see small to modest tax changes over the next 10 years.

 

The post Black Woman CPA Breaks Down How The New Trump Tax Plan Affects Your Personal Finances appeared first on Black Enterprise.

Money | Black Enterprise

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Jared Kushner gets personal

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Overview of the Personal Credit Report [for 2017]

According to Vantage Score, the vast majority of Americans don’t understand many of the nuances of a personal credit report. Your personal credit report is being updated for you by the three major personal credit reporting agencies of Experian, Equifax, and TransUnion, any time one of the following occurs:

  • A job is added or terminated
  • A residence is added or terminated
  • An installment loan is opened, paid, or removed
  • A revolving credit line is opened, paid, or removed
  • Average credit age changes
  • Average credit utilization
  • Credit payment history changes
  • A credit inquiry is added or removed
  • Public records are added, paid, or removed

(Image: iStock/AndreyPopov)

 

 

Your Personal Credit Score Is Weighted on the Following:

 
  • Your payment history along with the presence of any public records: 35%
  • The outstanding amounts you owe, along with current credit utilization: 30%
  • The length of time you’ve had the loans/credit lines: 15%
  • The moment a new loan or credit line is opened: 10%
  • Your current mix of loans and credit lines: 10%
 

Types of Personal Credit Scores/Measurements

 

In terms of the types of Personal Credit Scores, you have the standard reporting system from Fair Isaac Corporation (known as FICO) with about 50 different types of scores. Then, you have the Vantage Score, which is provided for educational purposes to consumers from many credit card issuers along with platforms such as Credit Karma. You can obtain a free, full copy of your personal credit report and three bureau scores, once per year, from www.annualcreditreport.com. In terms of quality measurement, scores range from 300 to 850 and:

  • A score under 579 is considered Poor
  • A score between 580 and 669 is considered Fair
  • A score between 670 and 739 is considered Good
  • A score between 740 and 799 is considered Very Good
  • A score between 800 and 850 is considered Excellent
 

Public Records

 

Having public records such as a foreclosure, tax lien, judgment, or bankruptcy on your report will bring down your score. These items generally remain on your report for the following duration:

  • Foreclosures: 7 years
  • Tax Liens: 7 to 15 years depending upon when paid
  • Judgments: 7 years
  • Ch. 13 Bankruptcies: 7 years
  • Ch. 7 Bankruptcies: 10 years

However, new reporting standards were released in Summer 2017 for both tax liens and civil judgments. Going forward, for either a tax lien or civil judgment to be reported on a personal credit report, the reporting must include your name, address, Social Security number, and date of birth. In addition, there are now required courthouse visits to be completed, in order to obtain newly filed and updated records at least every 90 days. These new reporting standards would remove virtually all civil judgments that have occurred up until this point, along with certain tax liens as well.

 

Credit Repair and Maintaining Good Credit

 

The FTC warns that consumers should avoid many credit repair companies, as they usually charge exorbitant prices with deceitful promises of fixing your credit seemingly overnight. The truth is, the only way to “fix your credit” is the following (all of which you can do yourself):

  • Work To Remove Negative Information: All late payments and other negative information needs to be paid as soon as you can. You might be able to contact the creditor to negotiate a lower lump sum payment amount. Also, examine your credit report to determine if there’s something that doesn’t belong there, if something is reported incorrectly, etc. If so, file a dispute with the bureaus directly. By law, they must respond within 30 days:
  • Work To Establish Positive Information: You need to establish “positive payment history,” which means you need to add new installment loans and revolving credit lines, pay them off on time going forward, and make sure to never miss a payment.
  • Personal Credit Maintenance: Continue to maintain positive payment history by adding additional revolving credit lines and installment loans until you have a good “mix” (I recommend, at least 10 listings) that are reporting positive payment history. Make sure to continue making all payments on time and never miss a payment. Also, make sure to continue monitoring your credit report using sources such as Credit Karma, to make sure nothing is placed there that shouldn’t be.

 

Money – Black Enterprise

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Hey, Quick Question: When Did Sales Associates Become ‘Personal Stylists’?

Welcome to our column, “Hey, Quick Question,” where we investigate seemingly random happenings in the fashion and beauty industries. Enjoy! As brick-and-mortar retailers continue to struggle, we’ve spent a lot of time covering what many of them are doing to stay afloat. Some are adapting features …

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Fashionista

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U.S. Personal Spending Jumps More Than Expected In September

While the Commerce Department released a report on Monday showing U.S. personal income rose in line with economists in the month of September, the report also showed a bigger than expected jump in personal spending.
RTT – Economic News

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Oprah: My Personal Journey Shaped The Wisdom of Sundays | SuperSoul Sunday | Oprah Winfrey Network

OWN

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

CHARITY UPDATE :

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Jenifer Lewis slaps back personal woes to keep the laughs coming

“Black-ish” star Jenifer Lewis may be proof that laughter is the best medicine. The 60-year-old stage, film and television vet says she has always spread as much cheer as possible. “I’ve made people laugh all my life,” Lewis says. “I will rarely leave any place and not leave a smile.” Yet Lewis sometimes struggled to…
Entertainment | New York Post

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How to Organize Your Personal Email

how to organize your personal emailReaders, what are your tips on how to organize your personal email(s)? Do you use tools like Unroll.Me to keep clutter low, a ton of Gmail filters, or some other trick or hack? Do you practice a zero inbox policy with personal emails — and how do you keep from getting overwhelmed? (Psst: I know a lot of you use Outlook for work — have any great Outlook tips or hacks to share? We’re working on a separate post and will compile them all. Do you like to use a program like Outlook to handle personal email as well, or do you just visit the websites or use the apps?)

I’m totally overwhelmed myself, so I’m not sure I’m the best to share my tips and tricks — still, this is how I set up my various Gmail accounts (all four of them…)

1. I have separate email addresses for different things:

  • Email A: Personal email address that I use with my friends and family.
  • Email B: Work email address.
  • Email C: “Anonymous” email address that I use to sign up for newsletters.
  • Email D: Family email address — it’s amazing, for reasons I wrote about over at CorporetteMoms, our blog for working moms.

I have several other email addresses for various things, but those four are the main ones.

2. I only really use two inboxes, even though I have four main email addresses. Email C forwards to Email A but the messages are filtered to skip my inbox and go directly to a folder I call “TDE” — to delete eventually. I regularly have 500+ unread emails in that folder — I do mass deletions by just highlighting 50 of them at once, unchecking and starring anything I actually want to look at, and deleting the rest based on subject line or sender. Email D (family email address) also forwards to Email A, as well as to my husband’s main email address so that both of us see all school- and kid-related emails.

Email B (work email) is its own beast that I kind of stink at figuring out — I get a lot of random companies signing me up for newsletters, a lot of poorly-worded cold emails re SEO, guest posting, etc. Of the hundreds of affiliate relationships I have for Corporette, unless I affirmatively opt out, I get series of emails that go like: “Retailer X is having a sale next week!” followed by “Retailer X wants to remind you about the sale next week!” followed by “Retailer X is changing the sale next week!” followed by “Retailer X is having a sale tomorrow!” followed by “Retailer X is having a sale now!” — all of which I generally ignore because a) it’s a lot of noise and b) if it’s a big sale that’s worth noting to you guys, I’ll hear about it somewhere else.

3. Regarding sale emails: I just set up a separate folder for Covvet emails (mentioned in last year’s post on shopping apps), which I always love to get, but otherwise all sale emails (personal ones, at least) go to my TDE folder in my personal inbox. In years past, I had ALL of the sale emails go to a separate folder because, let’s face it, you either have time to shop the sale that day or you don’t, and it’s kind of a bummer to find out four days later that your favorite store had a big sale.

4. While in the past I would only give you Email A if I actually know you, that’s changed a little. I DID recently switch some robot emails from Email C to Email A just so that they definitely hit my inbox, like important(ish) ones such as boarding passes and library notices.

How about you guys? What are your best systems, hacks, and tips on how to organize your personal email? How do you balance the need to “not be overwhelmed” with the desire to be informed? Do you practice Inbox Zero? Are you in need of Email Debt Forgiveness Day?

Pictured: Shutterstock / iprostocks.how to organize your personal email

Email can be so overwhelming -- we talked about our favorite filters, apps, tricks and tips for how to organize your personal email, especially Gmail.

The post How to Organize Your Personal Email appeared first on Corporette.com.

posts – Corporette.com

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7 Personal Finance Apps That Should be on Your Phone

personal finance

Technology has made it easier than ever to keep a tight rein on your personal finances. With the right app, you can manage a personal daily budget, save for something specific—a dream vacation, for example—and even automate transfers from your checking account to your savings.

Using apps to manage money is increasingly becoming the norm and not just the practice of hard-core computer geeks. In fact, digital banking and finance technology (or, “fintech,” for short) are becoming global phenomena.

Juniper’s Digital Banking: The Roadmap to 2020 report, predicts over 37% of the adult global population will be mobile banking users by 2020.

A recent survey by ING reveals that among European bankers surveyed, 48% felt that mobile/digital banking made them more in control of their finances and 20% said the technology helped them pay bills on time.

And from the same Juniper study referenced above, Andrew Mikesell from SAP said, “Customers who adopt mobile banking channels tend to be more profitable.”

Here are seven personal finance apps that should be installed on your mobile device (these apps are available for both iOS and Android):

 

For Managing Your Budget:

 

  1. Mint: Budget, Bills Finance

 

Intuit’s Mint app is a comprehensive budget manager. The app serves as a centralized portal from which you can manage bank accounts, credit cards, and more. Intuit is a leader in fintech, so the Mint app can also be used to export and import data from other Intuit apps including TurboTax, Payroll, and QuickBooks.

Image: Mint (Google Play)

 

  1. You Need a Budget

 

YNAB is a personal finance app popular with millennials. Its many features include letting users separate out a budget into different categories such as “Entertainment.” It allows for quickly entering any money you spend so you can see where you may be able to cut down unnecessary costs.

Image: YNAB (Google Play)

For Managing Your Credit Score:

 

  1. Credit Karma

 

Nearly everyone by now has heard of Credit Karma, and not just because of its quirky TV commercials, it’s a darn good app. Credit Karma lets you check your credit score for free while not causing damage to your credit rating. While it doesn’t provide the actual score from the credit agencies, it provides an accurate estimate of your credit health. The app also offers suggestions to help you increase your credit score.

Image: Credit Karma (Google Play)

 

For Saving:

 

  1. Digit

 

Digit is a savings app that is actually fun to use. The app reviews your checking account and automatically places an amount you can actually afford into your savings account. One Digit user wrote a review saying Digit helped them save $ 1,774 in 10 months.

Image: Digit (Google Play)

 

For Small Business and Personal Banking:

 

  1. Quicken

 

Quicken is an ideal personal finance app for anyone who is also an entrepreneur. The personal finance edition is Quicken Home and Business, which lets users manage a budget, mortgages, investments, pay bills, and more. You can upgrade to Quicken Home and Business to manage your small business ledger, business taxes, and more.

Image: Quicken (Google Play)

For Investing:

 

  1. Personal Capital

 

PC World calls Personal Capital a “powerful money management app.” In addition to allowing you to manage a monthly budget, you can use it to keep track of your retirement savings and investments including 401(k) plans.

Image: Personal Capital (Google Play)

 

For Bill Paying:

  1. Prism Bills and Personal Finance

 

Prism is a free app that “helps you to stay up to date with the information regarding the bills due and the amount of money to settle down these payments, according to Top Best Alternatives.

Image: Prism (Google Play)
Money – Black Enterprise

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Mike Francesa gets personal on Craig Carton situation

Mike Francesa has gone against his nature and largely held off from commenting on Craig Carton’s legal issues in the past week. Francesa broke that trend Thursday when a caller asked him to address the situation now that Carton has resigned from WFAN, where he had worked as Boomer Esiason’s co-host since 2007. Carton’s departure…
Media | New York Post

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This Pop-Up Shop Only Accepts Your Personal Data as Payment

How much do you think your personal data is worth?

A cybersecurity firm called Kaspersky Lab forced consumers to ask themselves that question this week with a pop-up shop in London that only let you buy products by giving up some personal data.

In partnership with London street artist Ben Eine, Kaspersky Lab ran the experiential pop-up called The Data Dollar Store, in the Old Street underground station. The aim was to push consumers to recognize the value of their personal data. The products, including artwork by Eine, could only be purchased using “Data Dollars”–photos, emails, and messages from the consumer’s phone. The personal data was then displayed on two full-length screens in the shop’s window.

Read: Equifax Hackers Steal Personal Details of Up to 143 Million People

Kaspersky Lab found that 29% of people worldwide have been victim to a cyberattack, but that 39% leave their phones unprotected. Studies also found that people would give away emotionally valuable data for small amounts. Kaspersky Lab created the pop-up as a means to highlight the value of an individual’s personal data, in the hopes that consumers would better protect themselves.

Ben Eine agreed with the aim, telling CNET that he’s concerned about how personal data is used and why we’re “not rewarded for giving this information away. Companies use that information and target us to sell products, to feed us information that we wouldn’t necessarily look at. And I thought this is good opportunity to raise awareness.”

Read: Personal Data of 6 Million Verizon Customers Was Leaked

According to Engadget, the costs were as follows: three photos or screenshots of Whatsapp, SMS, and email conversations for a mug; the last three photos on your camera roll or last three messages for a t-shirt; and for an original print, you had to hand over your entire phone. A staff member would then select five photos or three screenshots to be used.

With nearly 70,000 people passing through Old Street Station each day, the price of giving up that selfie in exchange for an original print seems just a tiny bit higher.


Fortune

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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News

CHARITY UPDATE:

Click today to request your free ACRX discount prescription card and save up to 80% off of your medicine!

SPECIAL DONATION REQUEST UPDATE:

Please help American Consultants Rx achieve it’s biggest goal yet of donating over 30 million discount prescription cards to over 50k organizations in an effort to assist millions of Americans in need. Please click here to donate today!

Watch Lady Gaga’s Personal New ‘Gaga: Five Foot Two’ Trailer

Lady Gaga has unveiled a new teaser trailer for her forthcoming Gaga: Five Foot Two documentary. The clip premiered at Air Canada Centre in Toronto preceding her show on

This article originally appeared on www.rollingstone.com: Watch Lady Gaga’s Personal New ‘Gaga: Five Foot Two’ Trailer

Rolling Stone Latest Music News

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‘For Me, It’s Personal.’ NFL Fans Boycott Football As Colin Kaepernick Goes Unemployed

For half a century, Mindy Reed has enjoyed a love affair with the NFL. As one of three daughters, she bonded with her father, a machinist living in Connecticut, over football. She wore a Bart Starr jersey as a kid, and recalls seeing Joe Namath play at the Yale Bowl in a 1969 exhibition game. As Reed climbed the corporate ladder at Dell in the 1980s and 90s, her football knowledge served as entrée into the old boys’ club. After switching careers — Reed, 61, is now a librarian in Austin — she continued to consume football. Reed rooted for the Seattle Seahawks, because wide receiver Tyler Lockett attended her alma mater, Kansas State.

But, Reed swears, now she’s done.

Reed plans on boycotting the NFL this season because no team has offered a job to ex-San Francisco 49ers quarterback Colin Kaepernick, whose peaceful protest of police brutality during the National Anthem last season sparked a firestorm. It’s not just that teams haven’t extended an offer to Kaepernick, once one of the most promising signal callers in the league, who led the Niners to a Super Bowl in 2013, and threw an admirable 16 touchdown passes, against just four interceptions, for an undermanned San Francisco team a year ago. No team even invited him to training camp for a tryout.

So when an NFL commercial comes on TV, Reed immediately flips the channel. “I don’t take this lightly,” she says about her boycott, citing the important role football has played in her life. “But a line has been crossed, as far as I’m concerned.” Reed, who is white, believes Kaepernick’s protest against the killing of unarmed black people is completely justified. She says police regularly pull over her husband, who is African-American, for “driving while black.”

“For me, it’s personal,” says Reed. “We need to support people who remind us we don’t live in a post-racial society.”

Reed joins a growing number of Americans who say they will swear off NFL football until a team signs Kaepernick. A #NoKaepernickNoNFL petition on Change.org has received over 175,000 signatures. Hundreds of Kaepernick supporters rallied outside of NFL headquarters in New York City in August. If the boycotters follow through on their promises to stop watching games and buying merchandise, NFL owners may see a dent in their bottom lines. They feared fans would walk out on them if they signed the controversial QB. But by steering clear of Kaepernick, they’ll likely get boycotted anyway.

“There are probably more people out there who are against Colin Kaepernick protesting than there are people who support him,” says Vic Oyedeji, an African-American NFL fan who started the Change.org petition. “But at the end of the day, the people supporting Colin will have enough of a voice to make a change.”

NFL teams have signed more than 30 quarterbacks not named Colin Kaepernick to contracts since Kaepernick opted out of his 49ers deal in March. (If Kaepernick had not opted out, the 49ers were planning on cutting him; new coach Kyle Shanahan prefers traditional pocket passers for his system). That figure does not include 2017 draft picks, or QBs who re-signed with their squads. But it otherwise includes 19 players who have never completed a pass in an NFL regular season game. Kaepernick’s completed 1,011.

How did this happen? While Kaepernick is almost certainly a less effective player than he was during his Super Bowl run, many fans are convinced that NFL teams have blacklisted him because of his anthem protest. In July, Baltimore Ravens owner Steve Buscotti acknowledged that signing Kaepernick could offend his customers; he requested that Ravens fans “pray for us” as the team contemplated offering Kaepernick a contract. NFL players who have been convicted of drunk driving, obstruction of justice, theft, gun possession, domestic violence, assault, vehicular manslaughter, and other crimes have returned to the field. Baltimore passed on Kaepernick.

Watching a team like the Miami Dolphins pull Jay Cutler, a white quarterback with inferior statistics during his injury-ridden 2016 campaign, out of retirement rather than give Kaepernick a shot strikes a raw nerve for many fans. “What we’re actually seeing in real time is the more qualified black guy being passed over for a less qualified white guy, for non-football reasons,” says J. Wyndal Gordon, a Baltimore attorney — and fan of the Ravens and Washington Redskins — who plans to skip the NFL this year. Boycotters fear Kaepernick’s situation sets a dangerous precedent. “If footballs players can’t express themselves in a peaceful way, it’s almost like saying they can’t be free in a free country,” says Derek Harris, a high school assistant principal in New York City. “The NFL has a right not to choose Kaepernick. We have a right to not support the sport.”

Some Kaepernick supporters, however, consider an NFL boycott misguided. “Take the picket signs and go protest a police commissioner, a mayor, a city council,” says Shelby Jones, a tennis pro in Washington, D.C. who is African-American. “Protest the people in civic duty who brought about the Colin Kaepernick protest. There is a fight going on. And we’re fighting the wrong person.”

Regardless, the boycotters are sticking to their plan. For hardcore NFL fans, tuning out football won’t be easy. “But I’ll get used to it,” says Oyedeji. “We are all creatures of habit. I’m doing my duty as a person of color.” Reed, the Austin librarian and half-century supporter of the NFL, has come to terms with her withdrawal. If Kaepernick signs, she’ll be back. In the meantime, she’ll be doing other things this fall.

“Who knows what I might discover out there,” says Reed. “I certainly know how to read a book.”


Sports – TIME

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Are Fibroids Holding You Back From Achieving Your Professional and Personal Dreams?

Gessie Thompson, fibroid coach

I am one of the 80% of black women affected by fibroids by age 50. I was diagnosed with fibroids—smooth muscle tumors that form in the uterus—in 2001 at the age of 30.

Gessie Thompson, fibroids coach Gessie Thompson

 

From that moment on, I began a 14-year battle to overcome fibroids, the resulting infertility, and a litany of other medical challenges. The road to my healing was a long and grueling one that included:

  • 10 surgeries—five of them for fibroids
  • 5 in-vitro fertilization cycles
  • 1 heart-wrenching miscarriage
  • 120+ days combined in the hospital
  • a high-risk pregnancy that resulted in my unborn baby fighting the fibroids that were siphoning off her blood supply at 21 weeks in utero
  • my heart stopping on the delivery table
  • and, thankfully, Nia, our miracle baby, being born at 2.5 lbs and 14 inches!

While our family enjoyed a storybook ending, my heart aches for families who are still fighting fibroids and infertility. Many of these women have their personal and professional lives derailed by infertility, hemorrhaging, life-threatening anemia, debilitating cramps, embarrassing incontinence, and so much more.

As I struggled to find out why these foreign masses kept invading my body, I grew frustrated as gynecologists repeatedly told me that the cause is unknown. Furthermore, little to no research was/is being done to unearth the answer. But one word kept popping up in my findings—estrogen. While doctors hesitated to name it as the root cause, they did agree that estrogen fuels the growth of fibroids.

In 2015, I was introduced to the work of Aboriginal Medical Association naturopathic physicians Dr. Amsu Anpu and Dr. Amun Neb. While other doctors seemed unsure, they unequivocally asserted that estrogen dominance is the root cause of reproductive diseases such as fibroids, infertility, polycystic ovarian syndrome (PCOS), endometriosis, and more.

Through my partnership with Dr. Amsu and Dr. Amun, we co-founded the holistic 90-Day Hope Beyond Fibroids Elimination Program. And using the four parts of our program—coaching, diet, herbal supplements, and medical qigong—we have helped women eliminate up to 50 documented fibroids, infertility after 12 years, and more without surgery. Here are two critical things every woman battling fibroids and infertility should know:

The Process:

 

Estrogen dominance develops in our bodies through…

  • Stress stemming from high-pressure working and living, spiritual and emotional factors, tidal waves of the toxin cortisol into our bodies.


  • Diets rich in estrogen. Some of the super foods that many of us trust, like green tea, flaxseeds, spinach, wheatgrass, and more, are actually growing our fibroids!
  • Pollutants, including:
  1. Prescription drugs, such as contraceptive pills and other estrogen-based synthetic drugs.
  2. Pesticides that make food products grow quickly also fuel our bodies with toxins.
  3. BPA plastics; Bisphenol A (BPA) is an endocrine disruptor, which interferes with the production, secretion, transport, action, function, and elimination of natural hormones. We unknowingly expose ourselves to them every day.
  4. Products that contain toxins we ingest through our nasal passages and skin, such as beauty and cleaning products.

The Solution:

 

A lifestyle of healing that reduces stress, starves the body of estrogen, and incorporates the right kinds of movement and exercises.

 

I cannot imagine what my life would be like today if I’d allowed the pain of my process to stop my pursuit of motherhood. One of the greatest lessons learned on my journey of healing was that I had to stop being superwoman and start prioritizing my spiritual, emotional, and physical health. It’s time you do the same.

 


Hope Beyond Fibroids CEO Gessie Thompson coaches women to heal their wombs from fibroids and infertility holistically. From diet to stress management, her Hope Beyond Fibroids Elimination Program teaches lifestyle changes that have resulted in documented cases of women eliminating up to 50 fibroids and one mother giving birth to her miracle baby after being unable to conceive for 12 years!  Learn more at HopeBeyondFibroids.com.

Lifestyle – Black Enterprise

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On My Way to a B.F.A.: Episode 5- A Very Personal Recap of BFA Freshman Year

On this summer update episode of “On My Way to a B.F.A.,” Natalie looks back at some of the high, and low, moments of her freshman year at the Hartt School. She counts down the Top-10 things she learned, recaps some of the most emotional moments, and puts herself out there read more
BroadwayRadio

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Couple’s bizarrely specific job listing takes personal assistant to a new level

A San Francisco couple’s job listing is so bizarre and incredibly specific you may think it’s a hoax. The two 40-something executives claim they don’t have time to maintain their personal lives and need a full-time personal assistant to help with their dog, chores and social media accounts. The couple outlines their seemingly normal yet…
Living | New York Post

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Personal Finance Expert Ash Cash on Ways to Manage Your Money

Personal finance guru and author Ash Cash offers practical and actionable personal finance tips, which you can get a jump on now. His expertise extends to subjects like getting the right life insurance, the importance of property investment, and more.

Take a look at this video to get all of Ash Cash’s wealth management tips, and take control of your finances!

Money – Black Enterprise

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Shop select Free People sale and clearance items at Bloomingdales.com!

Personal Credit Score vs. Business Credit Score: Everything You Need to Know (And More)

Credit Score

With an estimated 99.95 percent of small business owners and entrepreneurs opting for debt financing, knowing how to prepare your business for a loan application is a must.

Among the documents that a lender will review, your personal credit, as well as your business credit are criteria that play an important role—both can either assist or, in some cases, obstruct, your ability to secure financing.

Let’s review some key strategies that everyone needs to know about personal credit score vs business credit score.

 

Personal Credit Score vs Business Credit Score, What’s the Difference?

 

These two scores are often independent of each other and they measure different things. Your personal credit score measures your creditworthiness—your personal ability to pay back a debt. On the other hand, a business credit score measures the ability of your business to meet its own financial obligations. Let’s take a look at each one in a bit more detail.

 

Personal Credit

 

What It Is

Your personal credit score helps a lender evaluate whether or not to offer you credit, how much to lend you, and what terms (e.g. APR, requirement of collateral) to use. While different personal credit scores have different ranges, one thing never changes: the higher the score, the more financially trustworthy a borrower is considered to be.

Who and What Determines Your Personal Credit Score

Using your Social Security Number (SSN) and your credit history, the three credit reporting bureaus (Equifax, Experian, and Transunion) assign your creditworthiness a score, all using variations of the FICO Score algorithm.

Ranging from 300 to 850, the FICO personal credit score is made of five key components:

  • Payment history (35%): The most important factor in a FICO score is your payment history to lenders. Your ability to pay on time is the first thing that lenders take a look at.
  • Amounts owed (30%): The whole point of seeking a high credit score is to be able to borrow money when you need to. Owing money doesn’t necessarily make you a high-risk borrower but maxing out your credit cards and carrying a high balance on them for several months will negatively affect your FICO score.
  • Length of credit history (15%): It takes time to build a good credit score. In general, the longer a credit history, the higher a FICO credit score.
  • Credit mix (10%): There are different types of debt, including retail cards, credit cards, car loans, and more. Without some form of debt, FICO can’t determine your score. So, you need to responsibly use credit cards and installment loans to start (and build up!) your score.
  • New credit (10%): FICO believes that opening several new credit accounts within a short period of time increases your credit risk.

Tips to Boost Your Personal Credit Score

  1. Automate your credit payments. Since paying your lenders on time represents 35% of your FICO score, sign up for automatic payments for all of your credit accounts. Most lenders allow you to set up auto payment using your bank’s routing number and account numbers. Another option is to schedule payments using the bill payment service from your bank or a third-party payment processor, such as Mint.com or MyCheckFree.com.
  2. Adjust your due dates. You don’t have to settle for a due date that is poorly timed with your paycheck. Except for those of mortgages, most due dates can be adjusted with a quick phone call. Depending on your lender, the change may take two to three bill periods to take effect.
  3. Aim for a credit utilization ratio of 30%. Whenever you can, pay off your credit cards in full month after month. If that’s not possible, then aim to have a balance of no more than 30% than your credit limit for each card. A credit utilization ratio of under 30% across all cards is a sign for lenders that you’re managing your credit responsibly.
  4. Handle new credit carefully. Chasing too many of those deep discounts for opening store cards will eventually catch up with you. Every time that you open a new account, your FICO score takes a small hit. So, open a new card only when you really need to.
  5. Don’t close oldest accounts. The number of years that you have held each one of your cards and debts affects your length of credit history. By closing your oldest account, you may dramatically reduce your length of credit history and negatively affect personal credit score.
  6. Order your free credit report every 12 months. FICO and all lenders use your credit history to determine your creditworthiness, so making sure that your credit report is accurate is a must. Every 12 months request your credit report. Verify that all your personal data, including SSN and mailing address, and listed accounts are correct. To dispute any inconsistencies, follow the instructions on your credit report or file a dispute online with EquifaxExperian, or TransUnion.

 

Business Credit

 

What It Is

Also known as a trade or commercial credit score, your business credit score helps financial institutions to determine whether or not you’re a good candidate for debt financing. A high business credit score can improve your chances of obtaining a business loan—and likely, you’ll be able to receive much more favorable terms. Alternatively, a low score can mean higher interest rates, and in some cases, even prevent you from being eligible to borrow.

Additionally, vendors and suppliers often check your business credit score when considering whether to invoice your business on a Net 30 or Net 60 basis.

Who and What Determines Your Business Credit Score

Just like a SSN for individuals, an Employer Identification Number (EIN) allows the IRS and the credit reporting bureaus to track businesses. If your small business is incorporated and has an EIN, registering it with Equifax, Experian, or Dun & Bradstreet is the first step to establish your business credit score.

  • Equifax: Using your business’ payment history, ratio of available credit to utilized credit, age and size, demographics, and public records, Equifax scores your small business credit in a range from 101 to 992 on the Small Business Credit Risk Score for Financial Services and in a range from 101 to 816 on the Small Business Credit Risk Score for Suppliers. Equifax takes the small business owner’s personal credit score into consideration as well.
  • Experian: Ranging from 1 to 100, Experian’s business credit score takes into consideration similar factors as Equifax. Experian gathers data from lenders and vendors that have extended a credit line or loaned money to your business and compares all of that data to peers in your industry.
  • Dun & Bradstreet: Focusing on the one-year payment history of your business, a financial stress score, and other data from at least four vendors, Dunn & Bradstreet’s PAYDEX report uses a 100-point scale to rank your business credit.

Tips to Boost Your Business Score

  1. Establish credit lines with vendors and supplies. It takes data to create business credit scores and Dun & Bradstreet requires at least four vendors to generate its report. Take the time to build up relationships with vendors and suppliers so that they’re willing to sell you on credit on 30- or 60-day basis. No matter how small a vendor is, he or she may become a future trade reference for your business at the time of a loan or business credit score request.
  2. Make timely payments. Return the favor by paying to those vendors and suppliers on time at all times. This will not only help you create a solid payment history but also make those businesses and individuals more likely to report your payment history to the credit reporting bureaus.
  3. Aim to cover all your annual debt obligations with net income. Just because your business can borrow up to $ 100,000 from a credit line, does not mean you should borrow the full $ 100,000. A useful rule of thumb is that your net income (revenue after subtracting all costs of doing business) should be at least equal to your annual debt obligations. Showing that your business’ cash inflows is sufficient to meet its obligations has a positive impact on your business credit score.
  4. Request your business credit report today. Having a have a couple of months—instead of a couple weeks—makes improving your business credit a more feasible project. Building business credit takes time, so it’s useful to get a picture of what is your current score and what are areas for improvement. Some credit bureaus, such as Experian, provide you reason codes that help explain your score and provide advice on how to improve it.
  5. Track your business credit every quarter. That’s how little it can take for your score to change and can give you a heads up on a damaging report from a vendor or on the effects of an increase in your utilized credit. Take the lessons from every credit score report to learn how to become the type of borrower that a lender caters to in the future.
  6. Check your report for inaccuracies. If you find an error in your report, report it right away to the relevant bureau using supporting documentation. Pay particular attention to errors in information under public records. Bankruptcies, judgments from debt collection lawsuit, and creditor’s legal rights to seize your property in the past seven years on your report could lead to an automatic denial of your loan application.

 

Do I Really Need a Business Credit Score?

 

Yes, because a business credit score helps you in separating your business from your personal finances. During the application process, your underwriter will take a look at additional documentation, such as bank statements or business credit reports. Keeping your finances separate is important for two key reasons.

  • Tax purposes. While you can claim an extensive list of small business tax deductions, you need to provide appropriate supporting documentation. In case of an audit, you need to be able to clearly demonstrate that every single deduction was an actual expense directly related to your business operation. If you’re unable to clearly demonstrate that, you may be subject to penalties, including negligence, late payment, and fraud.
  • Liability for debts: If your business is structured as a corporation or limited liability company, documenting that your finances are separate prevents a creditor from having a stake on your personal assets to satisfy a debt.

How to Do It

  1. Establish a separate legal entity for your business. Choose a business legal structure that works best for your unique situation. If you’re considering to form a corporation, consult with a lawyer and accountant to have a good understanding of applicable rules, including those for tax reporting, compliance, and operation.
  2. Apply for an EIN online for free. You will need this to stay on top of your small business finances, report to the IRS, and establish your business credit score.
  3. Establish a business credit score. Because it’s supporting evidence that demonstrates your business’ payment history. It doesn’t hurt that it will also help you secure the necessary debt financing to fuel the growth of your business.
  4. Open a business checking account and credit card. Using your EIN, establish separate bank accounts and credit cards for your business. The statements from these accounts are appropriate supporting documentation to keep track of business expenses.
  5. Hire a professional bookkeeper or accountant. Commingling your finances can backfire at the time of tax filing or loan application. It’s possible that you misunderstand what would be considered personal debt.  Could be you have business debts you’ve forgotten to include in your financial statements. Hiring the services of a professional bookkeeper or accountant enables you to focus on the core operations of your business. It also helps you better meet compliance requirements. When evaluating bookkeepers and accountants, pay close attention to their schedule of fees and range of services.

 

This article was written by  and originally appeared on DUE.com.


Samantha Novick is the Social Media Manager at Bond Street, a company focused on transforming small business lending through technology, data and design. Bond Street offers term loans of up to $ 1 million, with interest rates starting at 6%.

Money – Black Enterprise

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How to Manage Work While Dealing With a Personal Tragedy

personal tragedy

Here’s a brutal truth about life: Whether you’re trying to climb the corporate ladder or looking to grow your business when tragedy strikes, the demand for work continues. And the fact of the matter is stress in our personal lives such as dealing with family illness, loss of a loved one, a tragic car accident, or even debt problems, takes a toll on our workload.

(Image: iStock/karelnoppe)

 

Here are five ways to focus on work while dealing with a personal tragedy:

 

Be Easy on Yourself and Practice Self-Care

 

Sometimes when tragedy strikes, we try to jump back into our regular routine too soon. Before you know it, the quality of your work suffers or you have an emotional outburst, which can damage your professional reputation.

Self-awareness is key because everyone’s grieving process is different. If you’re struggling to process what’s happening, ask yourself: “Do I need a mental heal day or professional help? Don’t be afraid to take some time for you. Cut out distractions. Close your email, log off from social media, or shut your office door, and use this time to cope with your stressful situation.

 

Master Your Mindset

 

Remember this mantra: “My current circumstances do not predict my future success.” Just think, despite Venus Williams’s car accident tragedy, she went on to beat Johanna Konta in the semi-finals. So understand this, when life spins out of control, the only thing you can control is your attitude.

 

Be Realistic About Your Emotional Ability to Manage Your Workload

 

Can you establish a new routine or schedule to get the work done? What’s the smallest task you can accomplish today?

 

Ask For Help

 

Don’t suffer in silence. While you don’t need to reveal intimate details about your situation to everyone, in order to maintain your sanity and success, you’ll need to have a support system at work and home.

 

Divide and Delegate

 

Can you break your work down into manageable chunks or small steps, and divide responsibility between yourself, colleagues, or family members? Once you answer these questions: Simplify, focus, and execute.

 

 

 

 

Career – Black Enterprise

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Television Hosts’ Battle Against Weight: Oprah Winfrey, James Corden and More Speak Out About Their Personal Struggle

Oprah Winfrey, Ricki Lake, James CordenOprah Winfrey is one of the most famous names in television, creating a successful career that stems from intelligence, kindness and a way of relating to others.
One thing she’s been…

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The Essential Writer’s Guide: Spotlight on Alain de Botton, Including His Education, Personal Life, Analysis of His Best Sellers Such as the Consola

The Essential Writer’s Guide: Spotlight on Alain de Botton, Including His Education, Personal Life, Analysis of His Best Sellers Such as the Consola

Please note that the content of this book primarily consists of articles available from Wikipedia or other free sources online. Get a glimpse at the life of author, Alain de Botton. Read about his education, personal life, genres, analysis of his most pop

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Study suggests words like ‘great’ and ‘fine’ also help
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SPECIAL NEWS BULLETIN!-http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News-
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http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.

The American Consultants Rx discount prescription cards are to be given free to anyone in need of help curbing the high cost of prescription drugs.

Due to the rising costs, unstable economics, and the mounting cost of prescriptions, American Consultants Rx Inc. (ACRX) a.k.a (ACIRX) an Atlanta based company was born in 2004. The ACRX discount prescription card program was created and over 25 million discount prescription cards were donated to over 18k organizations across the country to be distributed to those in need of prescription assistance free of charge since 2004.

The ACRX cards will offer discounts of name brand drugs of up to 40% off and up to 60% off of generic drugs. They also possess no eligibility requirements, no forms to fill out, or expiration date as well .One card will take care of a whole family. Also note that the ACRX cards will come to your organization already pre-activated .The cards are good at over 50k stores from Walgreen, Wal mart, Eckerd”s, Kmart, Kroger, Publix, and many more. Any one can use these cards but ACRX is focusing on those who are uninsured, underinsured, or on Medicare. The ACRX cards are now in Spanish as well.

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American Consultants Rx is working diligently to assist as many people and organizations as possible. It should be noted that while many other organizations and companies place a cost on their money saving cards, American Consultants Rx does not believe a cost should be applied, just to assist our fellow Americans. American Consultants Rx states that it will continue to strive to assist those in need.

Rubber Stamp Celebrations: Dazzling Projects from Personal Stamp Exchange

Rubber Stamp Celebrations: Dazzling Projects from Personal Stamp Exchange


Known as the "Rolls Royce" of the rubber stamp industry Personal Stamp Exchange has created over 1000 stamp designs, including classical, garden, botanical, and historical themes. For over two decades, their inspiring and creative projects have always used the richest textures and colors, and the most up-to-date tools and techniques. Dazzle everyone throughout the year with festive projects for every holiday and season. With a simple rubber stamp, along with other techniques like watercolor; you can decorate and transform run-of-the-mill objects into one-of-a-kind crafts worthy of celebration. Make housewarming, wedding and baby shower gifts; objects for a garden party; and special decorative items for Christmas, Hanukkah, Thanksgiving, and Mother’s and Father’s Days. For a truly haunted Halloween you can send out stamped Pumpkin Graveyard Scene Invitations, put up a Spook Door Card, and create a Halloween luminary. For a more loving occasion, like Valentine’s Day, stamp a variety of cards to send your sweetheart and treasured friends: choose from Paper Heart Clay, Love Buttons, and Roses Heart Frame cards. Every technique and tool you’ll need is covered right at the start, from inks to blending to watercoloring to fabrics. Plentiful photos in full color give you a close-up look at these wonderfully original finished projects.
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Window Canvas Personal Expressions Window Graphics WC511015-1 Sports Window Graphics

Window Canvas Personal Expressions Window Graphics WC511015-1 Sports Window Graphics


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Window Canvas Personal Expressions Window Graphics WC511016-2 Sports Window Graphics

Window Canvas Personal Expressions Window Graphics WC511016-2 Sports Window Graphics


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Brownells Batf “personal Firearms” Tags

Brownells Batf “personal Firearms” Tags


Grey paperboard tags with red lettering and reinforced grommets clearly mark that a weapon in your shop is a personal firearm and is not for sale. Keeps your shop in compliance with BATF regulations. Sold in paks of 25 or 50 with removable ties. Mfg: Brownells SPECS: Paperboard, grey with red lettering. 3-13/16″ (9.6cm) x 1-13/16″ (4.5cm). Sold in paks of 25 or 50. Removable ties included.
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Personal Fitness Trainer Sports Hooded Sweatshirt by CafePress

Personal Fitness Trainer Sports Hooded Sweatshirt by CafePress


The hoodie: the perfect utilitarian piece of clothing. Leave your hat and scarf at home Stay warm and comfy in your Pullover Hooded Sweatshirt. This hoodie is constructed with a cotton/polyester blend – both durable and comfortable.Heavyweight 90 Sports Hooded Sweatshirt Tee, TShirt, Shirt The hoodie: the perfect utilitarian piece of clothing. Leave your hat and scarf at home Stay warm and comfy in your Pullover Hooded Sweatshirt. This hoodie is constructed with a cotton/polyester blend – both durable and comfortable.Heavyweight 90
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Personal Fitness Trainer Sports Jr. Spaghetti Tank by CafePress


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Personal Fitness Trainer Sports Long Sleeve T-Shirt by CafePress

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Total Foam Rolling Techniques: Trade Secrets Of A Personal Trainer

Total Foam Rolling Techniques: Trade Secrets Of A Personal Trainer


The ultimate ''one stop'' guide to using foam rollers. A relative newcomer to the fitness scene, lots of us don''t know how to use foam rollers effectively as part of an exercise or training routine. Originally used only by physiotherapists and exercise therapists, this ''new'' piece of kit has become a mainstay of workouts. Foam rollers work by releasing muscle tension to relieve pain, aid injury recovery and improve flexibility-all through massaging and manipulating muscles. Practical and easily accessible, Total Foam Rolling Techniques is perfect for the fitness enthusiast or fitness professional who wants to lightly improve their knowledge and heavily improve the range of exercises they can use in their training. Tried and tested exercises are accompanied by clear photos and illustrations.This book is brimming with ideas for using foam rollers not just in the gym, but at home too. Packed with clear and easy to use exercises, this how-to reference book also provides adaptations of basic and advanced workouts, making it ideal for anyone who wants to get the most out of their fitness gear.- Each exercise idea is organized by fitness level and includes follow-up and extension ideas.- Written in a jargon-free and concise style, this book is light on the science and background, heavy on practicality.
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Window Canvas Personal Expressions Window Graphics WC511015-2 Sports Window Graphics

Window Canvas Personal Expressions Window Graphics WC511015-2 Sports Window Graphics


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Window Canvas Personal Expressions Window Graphics WC511016-0 Sports Window Graphics

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Window Canvas Personal Expressions Window Graphics WC511017-2 Sports Window Graphics

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Window Canvas Personal Expressions Window Graphics WC511020-2 Sports Window Graphics

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Window Canvas Personal Expressions Window Graphics WC511021-1 Sports Window Graphics

Window Canvas Personal Expressions Window Graphics WC511021-1 Sports Window Graphics


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Personal Fitness Trainer Sports Mug by CafePress

Personal Fitness Trainer Sports Mug by CafePress


The perfect size for your favorite morning beverage or late night brew. Large, easy-grip handle. Treat yourself or give as a gift to someone special. Measures 3.75 tall, 3 diameterDishwasher and microwave safe Sports Mug The perfect size for your favorite morning beverage or late night brew. Large, easy-grip handle. Treat yourself or give as a gift to someone special. Measures 3.75 tall, 3 diameter. Dishwasher and microwave safe.
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Personal Narrative Of Military Travel And Adventure In Turkey And Persia, Etc.

Personal Narrative Of Military Travel And Adventure In Turkey And Persia, Etc.


Title: Personal narrative of military travel and adventure in Turkey and Persia, etc.Publisher: British Library, Historical Print EditionsThe British Library is the national library of the United Kingdom. It is one of the world''s largest research libraries holding over 150 million items in all known languages and formats: books, journals, newspapers, sound recordings, patents, maps, stamps, prints and much more. Its collections include around 14 million books, along with substantial additional collections of manuscripts and historical items dating back as far as 300 BC.The MILITARY HISTORY & WARFARE collection includes books from the British Library digitised by Microsoft. This series offers titles on warfare from ancient to modern times. It includes detailed accounts of campaigns, battles, weapons, as well as the soldiers and commanders who devised, initiated, and supported war efforts throughout history. Specific analyses discuss the impact of war on societies, cultures, economies, and changing international relationships. ++++The below data was compiled from various identification fields in the bibliographic record of this title. This data is provided as an additional tool in helping to insure edition identification:++++<Source Library> British Library<Contributors> Macdonald, Robert; <Original Pub Date> 1859.<Physical Description> 8o.<Shelfmark> 10076.c.25.
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Personal Fitness Trainer Sports Women’s T-Shirt by CafePress

Personal Fitness Trainer Sports Women’s T-Shirt by CafePress


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To The Four Corners: Exciting and Personal Around-the-World Travel Stories Entwined with Dramatic Historical Episodes

To The Four Corners: Exciting and Personal Around-the-World Travel Stories Entwined with Dramatic Historical Episodes


Gene''s new book, To The Four Corners, gives inspiration to all those who love to travel. No matter which one of the four corners of the world you choose to visit, his stories will enhance your journey. His own personal accounts of each of his adventures make the tales interesting and exciting. We recommend it to our clients as a ''must-read'' and suggest it to shorten an otherwise long plane ride.
–Austin Travel of New York

Gene''s latest book, like his first, deals with his favorite subject, travel. In it he takes us to many exciting places he visited the last decade or two. This time he tells us of his trips while imagining his worldwide travel heroes are alongside. His four historic companions are Alexander The Great in the Middle East, Julius Caesar going to Western Europe, Marco Polo to the Far East, and finally Christopher Columbus to the Americas.

He shares his tales with you in a fun and enjoyable manner. When Gene is asked what is his favorite place to visit, the rest of the evening is a wonderful travelogue. His friends enjoy listening to the many places they too would love to see. This is the best criteria of a good storyteller.
–Marie Griffing, Author and former Editor, Cosmopolitan Magazine
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Total Body Transformation : A 3-Month Personal Fitness Prescription for a Strong, Lean Body and a Calmer Mind

Total Body Transformation : A 3-Month Personal Fitness Prescription for a Strong, Lean Body and a Calmer Mind


Buy Total Body Transformation by Steve Ilg in Paperback – Revised Ed. for the low price of 12.76. Find this product in Health & Fitness > Exercise, Yoga.
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14 Ways to Stimulate Personal Growth

You know you’re here for big things, right? You have a difference to make and a purpose to live. And if you’re doing that right now — perfect. Keep doing your thing.

If you’re not, and you’re unsure how to start, it’s possible you’ve missed the important journey you need to take to get to where you want to be.

Whatever you like to call it — personal growth, personal development, self-acutalization or finding yourself — this journey is you exploring and developing who you truly are. It explores identity, talents and potential, as well as dreams and aspirations. It develops you physically, mentally, spiritually and intellectually.

And it can look however you want it to — that’s the personal part! Your journey might involve training, up-skilling and traveling; or it might involve yoga, meditating and spiritual healing.

The key is to put yourself into situations that will trigger that exploration and development.

To get you started, here are 14 ways you can stimulate personal growth.

1. Know yourself.

Self knowledge is not just about knowing your likes and dislikes, it’s about knowing who you truly are as a person. How you look at life. How you interact with others. What fires you up. What leaves you shaking. What gets your heart pumping. A person who sincerely knows who they are shines with confidence.

This kind of knowledge is learned by personal reflection, lots of time alone, and situations outside of your comfort zone. Those situations can be different for everyone – anything from enjoying a long lunch with a pen and notebook for company (no phone!), to solo travel. You learn a lot about yourself by jumping into an unfamiliar environment. And when you break through what you previously thought you were capable of, you’ll feel like you can achieve anything.

2. Surround yourself with beautiful people.

I’m talking about inner beauty, of course. People that make you see the world in a new way. People that do extraordinary things. People that exude the qualities you’d love have rub off on you; kindness, compassion, bravery, drive. People that have a story to tell, gifts to share and lessons to teach.

3. Rid yourself of people who bring you down.

This is a tough action to take, as the person who brings you down might be person you share your bed with. Or the person you’ve known since you were a kid. Or the person who employs you. Only you can decide whether or not you should do this (or want to), and how best to do it. Every situation is different. Sometimes it calls for addressing the situation in person, sometimes it calls for fading contact between you, and sometimes it calls for leaving one day and never looking back. This is absolutely easier said than done, so I don’t want to make light of this situation. The one instance where I would urge you to immediately remove yourself is if you are physically or emotionally at risk. Often, these situations will require outside help — ask for that help.

4. ‘Three good things’ practice.

Each day, you write down three good things that happened throughout your day, or three things you are thankful for. It can be as simple as ‘I’m thankful for a warm sunny day today’.

5. Avoid comparing yourself to what you see on social media.

Here’s the thing about social media: it’s a clipped, cropped and cultivated representation of who we are. It’s not really who we are. We accentuate the best of ourselves. We filter and tweet what we want others to see – and to be honest, that’s perfectly ok. It’s no different to quickly cleaning your house when someone says they’re dropping by; we like to present ourselves in the best light. The key is to be mindful that this is what everyone is doing — everyone.

So when you scroll through Facebook, know that all those updates, photos and comments have been carefully considered. And when we compare ourselves, we have a tendency to compare the worst of ourselves to the best of everyone else. Not that you should compare in the first place; but it’s not a fair comparison. The funny thing is, people are probably comparing themselves to you. It’s not a healthy pastime. If there’s someone you find you can’t help but weigh yourself against, unsubscribe from their posts for a while. You’ll still be friends, but you’ll stop seeing updates. The ‘three good things’ exercise and knowing yourself will help in this situation.

6. Write.

Whether it’s a public blog or a private journal, writing is a therapeutic outlet for your thoughts. Totally up to you however you do it; Julia Cameron’s morning pages, a diary that you might go for months without writing in, or random notes typed on your phone.

7. Meet new people.

If you’re shy or introverted, this will serve as you getting outside of your comfort zone. Spending time with new people will broaden your horizons and open up different adventures and opportunities in your life. Unsure of how? Friends of friends is always a good start. Get yourself invited to parties and make it your mission to talk to someone you don’t know. Strike up a conversation at the gym. Introduce yourself to the person you always see at your favourite park or beach. Ask to share a table with a stranger at a busy café.

If the thought of doing this is giving you heart palpitations and sweaty palms right now – great! Do it! The easiest way to do this is offer a compliment and ask an open ended question (one like ‘So, how do you know…’ is a good place to start) or just flat out say something like ‘Hi! I see you here quite a bit, so thought I’d say hello. It’s a great café/bar/gym/park isn’t it?’. If you use that intro, I would one hundred percent resist the urge to follow it up with ‘So, do you come here often?!’. Up to you though.

8. De-clutter.

We get emotionally attached to ‘stuff’. When you finally purge and rid yourself of all the clutter you’ve hoarded over a lifetime, you feel empowered. It’s freeing. Bin, donate, cull down. Be especially mindful of what you bring into your life in the future.

9. Turn off the TV.

Emotions in others stimulate emotions in you, and if a movie or a show has ever made you cry or laugh, you’ll get what I mean. You know it’s not real, but you still get caught up in the story and emotionally react. A good movie will leave you full of whatever emotion they were trying to portray – it’s a job well done.

But what about those dramatic reality shows? Shows that thrive on conflict for the story line? What sort of emotions do shows like that stimulate and leave you with? There is nothing worse than walking into a room and seeing people watching a screen filled with other people fighting, arguing, complaining and backstabbing. It’s something most of us would avoid like the plague in real life, so it doesn’t make sense to give up your free time to watch it play out on a screen. Spend that time learning something new instead.

10. Get in touch with nature.

Take time out each day to get some fresh air, walk through a beautiful park or garden, visit the beach or just watch the clouds. It’s a mini escape, and plants you firmly in the ‘real world’, as opposed to the virtual world. Watch the stars, swim in the ocean, walk through a forest or toast marshmallows over a bonfire. The world is beautiful, and taking time out to enjoy it is energizing.

11. Read.

Reading connects you with a person that may have lived decades, or even hundreds of years before you were born. It gives you an insight into another world and perspective. And it grows you in the easiest way possible, all from the comfort of your favorite chair. If you’re not a big reader, the best way to start is to either pick your topic and go for the most popular book in that genre (it will be popular for a reason), or just go to the most popular books list on Amazon and start with something short.

12. Develop a childlike sense of humor.

If you have young children around, you’ll know how easy it is to make them laugh. Their humor is sweet and simple – pure joy from a silly joke or a funny face. Embrace a lighthearted sense of humor; spend the day with a friend that shares the same crazy sense of humor as you, watch stand up comedy online, or read a funny article. Try and get to that crying-laughing-I-have-the-stitch stage at least once a week. It’s healthy!

13. Get a hobby.

Hobbies serve a multitude of purposes. You learn a new skill, it’s (usually) a creative or physical outlet, it often introduces you to new people, it gets you out of that comfy place, it’s usually an achievement of something you’ve always wanted to do or try, and it gives you something interesting to talk about when you meet new people. Being passionate about something different is cool. Passionate people are interesting, and it doesn’t even matter what the passion is. It’s energizing to talk to someone who has a real excited love for something.

14. Make someone’s day.

Whether it’s for stranger, a friend, or your mum – do something to brighten someone’s day. It can be as simple as a genuine compliment, or an unexpected and thoughtful gift. Seeing the effect of your kindness toward others will have a lasting impact on your personal growth.

Start now.

If you’re ready to start or develop your personal growth journey, try one of the ideas listed above.

If you’ve started your journey and would like to share what triggered your personal growth, please do so below – your story might inspire someone to start their own journey.

— This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website.

GPS for the Soul – The Huffington Post
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Tilting At Mountains: Overcoming Personal Demons To Climb the Worlds Highest Peaks

Tilting At Mountains: Overcoming Personal Demons To Climb the Worlds Highest Peaks


Climbing where only a handful of men have gone before, Edurne Pasaban is the first woman to climb all fourteen mountain peaks higher than 8,000 meters. On May 17, 2010, a 37-year-old Spaniard named Edurne Pasaban became the first woman to climb all fourteen peaks higher than 8,000 meters. This record-breaking accomplishment put the Basque woman on National Geographic’s 2010 Adventurers of the Year list. The next year, both The Alpinist and Outside magazines placed her on their Adventurers of the Year lists, too. Pasaban’s accomplishment did not come without controversy: Another woman, Korean climber Oh Eun-Sun, claimed to have completed the peaks a few weeks earlier. Later inquiries revealed that Oh Eun-Sun had failed to summit Kangchenjunga in 2009 and her claim was eventually withdrawn, leaving Edurne as the clear victor. But how did she get there? Published for the first time in English, Tilting at Mountains tells Edurne’s heartfelt and deeply personal story. She details not only how she came to climb the 8,000-meter peaks– the competitive nature of her Basque heritage played a role, as did, admittedly, an interest in handsome climbing guides but also how her love for the mountains pulled her from a deep, soul-crushing depression. The book covers her climbs on all the 8,000-meter peaks, some of which were almost cakewalks while others were climbed at great cost, including the loss of close friends.
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Dim All the Lights for Donna Summer: My Personal Memories of One of the All-Time Great Singers

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May 17 marks three years since Donna Summer died unexpectedly, having kept her illness a secret to even those she regarded as close friends. Though her passing was widely reported at the time, the coverage was limited in scope, as so much of it boxed in one of our most virtuosic vocalists as the “Queen of Disco,” essentially burying her with a mirrored ball tied to her feet (which she would have loathed).

I was troubled that so many of the obituaries were dry, fact-based lists of her accomplishments, wholly lacking in heart, failing to convey the true measure of her spirit or cultural impact. I knew Donna and worked with her over the years. On this anniversary, I want to share my feelings about her in a way that more vividly and emotionally reflects her legacy.

My first memories of meeting Donna have the dreamlike quality of one of her 20-minute musical suites. It was 1989, a good year for Donna Summer, who had just scored her first huge hit in several years with “This Time I Know It’s For Real,” a worldwide, multi-format success. I knew the chart positions in every country because at the time I worked as an assistant to the head of public relations at Warner Music International, Donna’s label. One of the best parts of my job was to occasionally look after artists while they were in New York for promotion. With Donna, this never felt like work because she and her husband Bruce Sudano were real people: down-to-earth and kind.

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One afternoon my boss was busy and asked me to accompany Donna and Bruce to the Roseland Ballroom for a radio show soundcheck. This was what was referred to as a “track date,” meaning that Donna would be singing live to a pre-recorded track to promote the album Another Place and Time. That was the first time I heard Donna Summer’s voice live, and it was a musical moment that still produces intense euphoric recall. Donna was fairly unassuming, and hadn’t been noticed much amidst the environment of chaos that filled the room. And then she began to sing.

The track for “Love’s About to Change My Heart,” the album’s second single, began with a hallmark Donna Summer-ballad intro. At first, her voice was lost amidst the ballroom’s din: “I never needed someone/Cause I always led a life of my own.” By the third line, I noticed the energy began to change, heads whipped around, immediately identifying the unmistakable sound of Donna Summer. The song continued, building, growing, Donna standing with one hand on her hip, casual, in jeans with a big hat, big smile, and that sound just emerging from her body with seeming effortlessness.

The room had become hushed, the rapt silence creating an atmosphere of reverence and respect. She gave hand signals to the sound guy to adjust her levels: a secret language. The rest of us just stood and listened, rather stunned. “How does a person even do this?” I remember thinking. The voice: clear, brilliant, throbbing, thrilling. By the time the song’s rhythm track kicked in, a group of disparate people, many technicians (who generally don’t give a shit) had become a Donna Summer audience.

At the song’s crescendo, each note moving up a half-tone on the scale, until it reaches the payoff, the money note: “Love’s about to change, change, change, my… heart.” I looked at Donna’s face, which seemed to say, “Nothing to it,” but to the listener it was everything; the moment was sublime, the essence of Donna Summer’s artistry. She sang like Fred Astaire danced.

Though Donna Summer was synonymous with disco, there was so much more to her stylistically. To listen to recordings like “Hot Stuff,” “Cold Love” or “Protection” (which was written expressly for Donna by Bruce Springsteen, a fan), to name just a few examples, is to hear authentic rock ‘n roll vocals: shredding and balls to the wall. To hear her recording of the Billy Strayhorn standard “Lush Life,” her own Giorgio Moroder/Pete Bellotte swing era-tinged collaboration “I Remember Yesterday,” or her recording of Evita’s “Don’t Cry For Me Argentina,” is to hear a theatrical voice of exceptional power and interpretive acuity (Donna got her start on stage, in the German production of Hair).

To listen to the 1982 Quincy Jones-produced album Donna Summer, especially its first single, “Finger On The Trigger (Love Is in Control),” as well as her subsequent single, “Mystery of Love,” is to have the odd sensation of beholding the complete chassis of the Michael Jackson Thriller-era pop sound, only the car’s exterior is now regally personified by Donna Summer and the hood ornament is a sparkling “D.”

After the disco juggernaut was snuffed out, radio changed and Donna’s career continued as she experimented with other musical genres, scoring some of her biggest hits, like “She Works Hard for the Money” and the exuberant, reggae-flavored “Unconditional Love” in the post-disco era. Of course, anytime she even opened her mouth, no matter what came out or what year it was, the result was a number one dance record. Like the concept suggested by the titles of two of her albums, I’m A Rainbow and Crayons, Donna’s musical curiosity and diversity allowed her to paint in many colors. It’s no surprise then that she was also a fine artist of notable skill. I remember helping to plan what I think was her first major art show in New York during that first encounter in 1989.

There were three separate periods in my music career where Donna and I orbited each other and I am so grateful for each and every memory. But first, for me and for so many other people, Donna’s music was the soundtrack of my adolescence. In junior high school, not an easy time, Donna’s voice comforted me and consoled me as I dreamed of nights on the dance floor that I was just a few years too young to live out in real life. Her music transported me to light of New York City and Studio 54, just 35 miles away, but so much farther than that if you were an unhappy teenager.

Instead of dancing at the clubs, I danced around my bedroom. In the winter of ninth grade, as I obsessed about my lack of popularity and redecorated my bedroom for the twentieth time, I wore out my copy of Donna Summer Live and More, communing with the outstanding die-cut album art and reading the label copy over and over as if it were a sacred text.

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I met Donna initially during my aforementioned stint at Warner Music. This was a period when I was also writing songs myself. Like many young people who worked at the labels, I was also pursuing my own musical aspirations when I wasn’t in the office. My commitment to songwriting and passion for pop music, coupled with my youth, made this a very heady time for me, as I was beginning to meet some of the people who I had heretofore only dreamed about. This made me particularly vulnerable to the social advances of Paul Jabara, who wrote the Oscar-winning “Last Dance” for Donna, and whose larger-than-life personality redefined pushy. He was an amazing force of nature: a Lebanese Mama Rose, and a songwriting God to me.

Paul had begun to call our offices trying to find out what Donna was up to (tracking someone down was much harder to do in the pre-digital era, you had to “call around.”) Sensing a sympathetic spirit in me (read “gay”), Paul poured on the charm, and without much hesitation, I disclosed that I had reason to believe that Donna and Bruce just might be going to Elaine’s, the legendary Upper East Side restaurant, after the Roseland show. Paul had been down, his productivity hamstrung by his battle with AIDS and a serious coke habit, none of which I knew at first. What I did know was that he seemed to crave the connection to Donna, his old friend, as a different kind of fix — a sort of talisman that he was still “hot.” I identified with so much of Paul’s desperation to be validated without understanding why. Drawn to his charisma, flattered by his attention, I agreed to bring him as my guest to Roseland. Thus began a short, but memorable, friendship.

Paul was a trip. Everything was completely over-the-top with him, and even though I later found out he was already pretty sick, you couldn’t easily tell. His enthusiasm was infectious. Hanging out with him, you could see how his pushiness coupled with his talent resulted in such great success. He had that amazing blend of pathological determination, unwillingness to compromise, and a need to be acknowledged that I’ve only recognized in other people who are carrying childhood trauma like heavy backpacks through their lives.

After the show, Paul said, “Okay, sweetie, let’s go to Elaine’s.” At this, I panicked. “But Paul, I can’t; I wasn’t invited and if my boss finds out she’ll fire me. ” I was frightened of my supervisor, and with good reason: She was territorial and terrifying. “Don’t worry, kiddo, you’re with me and if anything happens I’ll say I brought you. Besides, don’t you want to have dinner with Donna Summer?” The truth is I wanted to have dinner with Donna very much. I also wanted to have courage like Paul Jabara, so I borrowed his. The resulting meal was the first time I had ever had dined with a star.

When we got to Elaine’s, Paul said hello to its owner, Elaine Kaufman, who personally whisked us in to the room and led us to a preferred table where Donna held court. I’d never been to a restaurant where there were famous people anywhere but in pictures on the wall. I noticed something magical about the energy in the room, as if I had crossed over into some other universe where everything looks the same but is somehow just better. It seemed to me that the air was imbued with magic, and all the things you dreamed about as a sad kid that would make you feel less awful about yourself had actually fulfilled their promise.

Donna seemed surprisingly happy to see Paul, and completely unsurprised that I would be there, which struck me as odd; never having been around celebrities socially, I was unacquainted with the casual dynamic of posses and hangers-on. Paul sat me right next to Donna, who treated me immediately like an old friend. In that very moment I stopped caring about what my boss would say, because in that second, and perhaps for the first time in my life, I felt exponentially less terrible about being me. David Munk from East Brunswick, New Jersey was sitting at Elaine’s with Paul Jabara and Donna Summer! This might be accurately regarded as the first time I experienced the drug-like effect of celebrity or, to be more specific, proximity to celebrity.

Donna asked me if I liked the show and wanted to know how I thought it sounded from the audience, which blew my mind. Had I had stepped into a dream where all the pain of my childhood was seemingly ameliorated by my simple proximity to Donna Summer? I looked around the table at six other gay men who, no doubt, felt the same way I did, but I also felt some bitchiness: They envied my preferential seating next to Donna.

At some point during the meal, the conversation came around to a subject that seemed painful to Donna, the alleged homophobic comments that she’d made about AIDS being God’s revenge on gay people. Of course, I had heard the rumors which had been repeated so many times they seemed to have acquired an air of legitimacy and, what’s worse, had had a negative impact on Donna’s career, upsetting her core fan base to such an extent that some had turned their back on the woman they had once regarded as “the Queen.”

Paul practically screamed to me, “Look at this table, David,” with a huge gesture pointing out six gay men, one well-adjusted husband and Donna Summer. “I ask you, is this what the dinner table of a homophobic person would actually look like?” He had a point, but then, I’d never believed the rumors in the first place. “Really, David,” Donna said, her voice quiet and touched with sadness, “I love everyone,” she added defensively, “I would never, ever make a comment like that.” I thought it was odd that she felt compelled to set the record straight to me, a starstruck assistant. “No woman in my position could even function for a day without gay men in her life. I love my gay friends.” “You see,” Paul added, “She never said that about gay men. She loves us.”

I saw Paul periodically after that. I would go over to his apartment and he would make me spaghetti and listen to my demos while he did lines of coke off a table. He seemed lonely. He even let me hold the Oscar he had won for writing “Last Dance.” Even better were his critiques of my work: an Academy Award-winning songwriter tutoring me. “This is good but you have to bring the vocals forward, David. Always keep the vocals in the front of the mix,” he would remonstrate, “Always!” We’d listen to music and he’d tell me stories. He was an odd study in opposites: determined and defeated, embittered but hopeful.

No matter how sick Paul got, I’m certain his relationship with Donna always represented the apex of his success as well as his last, best chance of having another hit. When I found out three years later that he had died from AIDS, I was extremely sad. I’d had no idea. The news of his illness, in that terrible decade when it seemed like almost everyone died, put his emotional neediness in a different perspective, as well as making his adoration of Donna and his abiding hope for having another “great moment” all the more poignant. I didn’t understand him very well at that age, but looking back from this vantage point, after my own years of career highs and lows, I think I understand him better.

Now Donna is gone as well; I can feel the same heaviness in my heart that I felt when Paul died, for they were kindred. But there was a third person: Donna was also deeply connected to Bruce Roberts, who co-wrote “No More Tears (Enough is Enough)” with Jabara and for whom I worked in the late 1990s. It was during that time in Los Angeles, via Bruce, that Donna came back into my life and I got to know her better and spend more time with her.

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I remember one day when I was in the office, which was in Bruce’s home. Bruce had gone shopping to Barney’s with Donna, an outing that I knew he relished (“David, you should have seen the faces of the staff behind the counter when Donna walked up, you’ve never seen such love.”) I was working at my desk and listening to Lena Horne’s recording of “Stormy Weather.” I remember the name of the song because I wrote in my journal that night. “Life is bare/Gloom and mis’ry everywhere/Stormy weather.”

Suddenly the vocal was strangely doubled. I thought my speaker wires were loose. “Just can’t get my poor self together.” Suddenly Donna sashays into the room, arms rolling in a waving motion and her voice — that voice — joining with the great Lena Horne and singing just for me. Donna was like that: spontaneous, playful and not afraid to use that vocal gift to have fun, to make a point, to celebrate life. Bruce had set the whole thing up so she would walk in and surprise me.

She wasn’t precious about her singing; she shared it freely and with no self-consciousness. I think she enjoyed what the power of her voice and what her presence could do in any context. I will always see her that way: in an imaginary spotlight in front of my desk in Bruce’s house, belting “Stormy Weather,” standing on Lena’s shoulders and giving me a “forever” moment, one that I can, in turn, share with you now.

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In these desultory days of auto-tune, when singer and pole dancer — two professions with formerly diametrically opposed skill-sets — are now, sadly, interchangeable, Donna Summer’s protean abilities seem even more impressive. Only in what’s left of the music business can you be a singer without really being able to sing. The fact that in addition to having that voice, Donna Summer wrote or co-wrote almost every one of her iconic songs is a detail that should be considered when properly assessing her place in history.

It is a fact that Summer was, along with the Bee Gees, the recording artist who most completely captured the essence of what was first affectionately, then derisively called “Disco” music in the late 1970s. But what gets obfuscated in yoking the singer to the “Queen of Disco” sobriquet is her true range as an artist. “Disco” died in 1979 because the homophobic, racist majority felt threatened by what was an unabashed celebration of African-American and gay urban culture, forcing the word disco to shape-shift into the less descriptive (and less overtly gay) “Dance Music.” Donna Summer was simply one of the best singers, period.

In the end, I think she’d like to be remembered as a great musician whose stunning, soaring voice brought joy to people all over the world for almost forty years. In order to do that, you can’t just define a trend: You must transcend it and create something that endures. Donna Summer’s music will endure. That is her legacy and it is everyone’s to celebrate.

A different version of this piece appeared in Stargayzing.com

— This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website.

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Acr Electronics C Light Personal Pfd

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Losing Weight for Good: Developing Your Personal Plan of Action

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Losing Weight for Good: Developing Your Personal Plan of Action

Losing Weight for Good: Developing Your Personal Plan of Action


Each person faces unique challenges when trying to lose weight. As director of the Johns Hopkins Weight Management Center, Lawrence J. Cheskin, M.D., and his team of experts have had remarkable success in helping thousands of individuals develop successful plans of action. Each plan contains the crucial ingredients for healthy success: an attainable goal, an appealing diet, and a practical program of physical activity. Based on the latest research in medicine, psychology, nutrition, and exercise physiology, the Personal Plan of Action offers a unique approach that recognizes the different reasons people gain weight — and why they have trouble losing that weight and keeping it off. The advantages of an expertly designed Johns Hopkins Weight Management Center plan are available to those who want to lose weight on their own. Losing Weight for Good: Developing Your Personal Plan of Action helps you assess your own reasons for weight gain. With this knowledge, you can design your own personal step-by-step program for weight loss based on the approach that has been so successful at the Johns Hopkins Weight Management Center. This individualized approach takes into account personal differences in such areas as emotional makeup, lifestyle, family circumstances, coping style, physical health, and economic means. Unlike typical diet books that offer simplistic or formulaic recommendations for weight loss, Losing Weight for Good tells you how to develop and follow a plan that meets your own specific needs. As you read through the book, you will establish your own weight loss goals, dietary aims, and exercise schedule, while building critical skills to help you cope with temptation, frustration, and anything else that interferes with your goal. "The basic message is this: You do not need to change everything about yourself and your life to lose weight and keep it off. You do need to identify your specific problem areas and find creative, individualized solutions." — Lawrence J. Cheskin, M.D.
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Scully Mahogany Italian Leather Personal Weekly Planner

Scully Mahogany Italian Leather Personal Weekly Planner


Scully makes luxurious accessories for men & women!. Crafted of genuine Italian leather. Lovely mahogany hue. Interior features weekly planner. This Scully planner is stylish and functional! Planner features genuine Italian leather. Interior features weekly planner. Measures 2 3/4″ x 4 1/4″. Imported.
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Mammograms a Personal Decision for Women in Their 40s, Panel Says

U.S. Preventive Services Task Force recommends screening every 2 years for all after 50
healthfinder.gov Daily News
SPECIAL NEWS BULLETIN!-http://www.acrx.org -As millions of Americans strive to deal with the economic downturn,loss of jobs,foreclosures,high cost of gas,and the rising cost of prescription drug cost. Charles Myrick ,the President of American Consultants Rx, announced the re-release of the American Consultants Rx community service project which consist of millions of free discount prescription cards being donated to thousands of not for profits,hospitals,schools,churches,etc. in an effort to assist the uninsured,under insured,and seniors deal with the high cost of prescription drugs.-American Consultants Rx -Pharmacy Discount Network News-
HEALTH SPECIALS!!-

Save up to 50% at Walgreens

The Complete Book Of Personal Training

The Complete Book Of Personal Training


The Complete Book of Personal Training delivers exactly what the title
promises and more, making it the most comprehensive and authoritative resource
for you as a personal trainer, whether you are a newcomer to the field or have
a well-established business.

The book is truly a complete resource. It's full of information about working
with clients and designing programs, and it's also a practical guide to all
aspects of the personal training business. The Complete Book of Personal
Training will help you in the all aspects of your profession:

Learn applicable information on fitness testing and
assessment.
Identify your clients' goals and create fitness tests
specifically for them.
Properly train and help special populations.
Understand the business side of personal training,
including marketing yourself as a trainer, getting and retaining clients,
and learning time management.
Learn how to expand your business.

Noted
author, educator, and personal trainer Douglas Brooks digs deep into the world
of personal training, offering solutions to the challenges that trainers face
in daily life and providing answers to many of the questions personal trainers
ask throughout their careers. More than just a training manual, this text
explores the best ways to run your business–from marketing and promotions to
record keeping and retirement planning. The book includes a thorough index to
help readers quickly locate any topic, and more than 100 photos accurately
illustrate proper techniques for dozens of exercises.

The Complete Book of Personal Training contains something for every
personal trainer. It's the first reference of its kind to provide all the
information you need to start, run, and grow a personal training business or
career. The text is an essential tool to help you solve the daily
organizational and business challenges of personal training.

About the Author

Douglas S. Brooks, MS, is an exercise physiologist and personal fitness
trainer with more than 20 years of experience. He co-owns Moves International
Fitness, a provider of educational resources, continuing education, and live
workshops to fitness professionals.

Acknowledged as one of the country's premier personal trainers, Brooks is a
well-known author, lecturer, trainer, and video personality. His counsel and
input are sought on an international level, most recently by the International
Sports Trainers Association, which appointed him vice president of the
organization. He also is a member of IDEA and the American College of Sports
Medicine (ACSM).

Brooks is a gold-certified personal trainer by the American Council on
Exercise, and he is an IISA-certified in-line skating instructor. He previously
operated a personal training facility for nine years; directed a 5,000-member
health facility; participated in and coached college-level gymnastics; and was
an assistant professor at the University of Michigan Health Science Department.

In his free time, Brooks enjoys fitness activities of all kinds. He is a
competitive tennis player, a marathon runner and Ironman triathlete, an avid
alpine and Nordic skier, an in-line skater, and a rock climber and mountaineer.
He lives in Mammoth Lakes, California, with his wife and two sons.

Table of Contents

Part I. Starting, Maintaining, and Growing a Successful Personal Training
Business
Chapter 1. Personal Training: Then, Now, and Into the Future
Chapter 2. Breaking In: You (Yes, You!) Can Be a Personal Trainer
Chapter 3. Starting and Refining Your Business
Chapter 4. Getting–and Keeping–Clients
Chapter 5. Expanding Your Business
Chapter 6. Managing Your Time
Chapter 7. Maintaining a Service and Client Focus
Chapter 8. Legal and Profession
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Total Gym Ball Workout: Trade Secrets of a Personal Trainer

Total Gym Ball Workout: Trade Secrets of a Personal Trainer


The ultimate ‘one stop’ guide to using this bestselling piece ofequipment – not just in the gym but at home too. Practical and easilyaccessible, The Total Gym Ball Workout isperfect for the fitness enthusiast or fitness professional who wants tolightly improve their knowledge and heavily improve the range ofexercises they can use in their training. Tried and tested exercisesare accompanied by clear photos and illustrations presented in a modernand logical way.The Total Gym Ball Workout is brimming with ideas for using this popular piece of fitnessequipment. Packed with clear and easy to use exercises, this how-toreference book also provides adaptations of basic and advancedexercises making it ideal for anyone who wants to get the most out oftheir fitness gear. – Each exercise idea is organisedby fitness level and includes follow-up and extension ideas. – Written in a jargon-free andconcise style, this book is light on the science and background, heavyon practicality.
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Get Up Close and Personal With the Most Dazzling Jewels From the 2014 Oscars

As Marilyn Monroe once put it, diamonds are a girl’s best friend. And that statement holds especially true at the Oscars. The awards show, also known as the biggest night in Hollywood, brings out the brightest of stars who are only outshone by the glittering jewels they wear on the red carpet. And with the […]
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MillionaireMatch.com - the best dating site for sexy, successful singles!
MillionaireMatch.com – the best dating site for sexy, successful singles!

The Never Say Diet Personal Fitness Trainer: Sixteen Weeks To Achieve Your Goal Of A Healthy Lifestyle

The Never Say Diet Personal Fitness Trainer: Sixteen Weeks To Achieve Your Goal Of A Healthy Lifestyle


If you want to lose weight for good, learn a secret from Chantel Hobbs: to change your life you first have to change the way you think.After years of failed diets, Chantel discovered the power of the “brain change.” She made five nonnegotiable decisions, developed a balanced plan for exercise and nutrition, and lost 200 pounds. Now, through writing, speaking, and her work as a personal trainer, she inspires others to achieve far more than they thought possible. With Never Say Diet, you can: •Ditch your self-defeating habits and start dreaming big again•Develop a driving passion for personal fitness •Look at food as fuel and not as your best friend •Learn how God wants to help you win! Put an end to the diet drama. Whether you want to lose fifteen pounds, fifty, or one hundred fifty, Chantel will show you how to make your commitments stick–producing results that last! It’s not easy, but it really is as simple as it sounds. First you lose your excuses, then you lose weight for good. You’ll never say “diet” again.
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Personal Narrative Of Military Travel And Adventure In Turkey And Persia; Comprising A Brief Sketch Of The Chequered Life Of The A

Personal Narrative Of Military Travel And Adventure In Turkey And Persia; Comprising A Brief Sketch Of The Chequered Life Of The A


This historic book may have numerous typos, missing text or index. Purchasers can download a free scanned copy of the original book (without typos) from the publisher. 1859. Not illustrated. Excerpt: …
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Window Canvas Personal Expressions Window Graphics WC511021-2 Sports Window Graphics

Window Canvas Personal Expressions Window Graphics WC511021-2 Sports Window Graphics


Window Graphics by Window Canvas. Window Canvas Personal Expressions Window Graphics Features – Let your voice be heard with unique vinyl window graphics. Choose from pre-measured sizes for your small pickup, truck or SUV. Made from 10-mil 50/50 perforated vinyl that lets you see through. Printed on high speed full color digital ink jet printers using solvent-based inks. Sticks to the exterior of your window with super-strength adhesive so your graphic stays put. Window Canvas Personal Expressions Graphics, Vinyl Personal Expressions Graphics – Videos, Installations & Reviews. For the top selection of Window Canvas Travel Accessories shop online today. The Window Canvas Personal Expressions Graphics, Vinyl Personal Expressions Graphics – Videos, Installations & Reviews will improve and personalize your vehicle. Window Graphics by Window Canvas – selected by many auto enthusiasts in the top automotive discussion forums. Window Canvas Personal Expressions Window Graphics for your vehicle will deliver the results you are looking for! Window Canvas Personal Expressions Window Graphics – Travel Accessories – Window Graphics.
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Window Canvas Personal Expressions Window Graphics WC511022-0 Sports Window Graphics

Window Canvas Personal Expressions Window Graphics WC511022-0 Sports Window Graphics


Window Graphics by Window Canvas. Window Canvas Personal Expressions Window Graphics Features – Let your voice be heard with unique vinyl window graphics. Choose from pre-measured sizes for your small pickup, truck or SUV. Made from 10-mil 50/50 perforated vinyl that lets you see through. Printed on high speed full color digital ink jet printers using solvent-based inks. Sticks to the exterior of your window with super-strength adhesive so your graphic stays put. Window Canvas Personal Expressions Graphics, Vinyl Personal Expressions Graphics – Videos, Installations & Reviews. For the top selection of Window Canvas Travel Accessories shop online today. The Window Canvas Personal Expressions Graphics, Vinyl Personal Expressions Graphics – Videos, Installations & Reviews will improve and personalize your vehicle. Window Graphics by Window Canvas – selected by many auto enthusiasts in the top automotive discussion forums. Window Canvas Personal Expressions Window Graphics for your vehicle will deliver the results you are looking for! Window Canvas Personal Expressions Window Graphics – Travel Accessories – Window Graphics.
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Window Canvas Personal Expressions Window Graphics WC511022-2 Sports Window Graphics

Window Canvas Personal Expressions Window Graphics WC511022-2 Sports Window Graphics


Window Graphics by Window Canvas. Window Canvas Personal Expressions Window Graphics Features – Let your voice be heard with unique vinyl window graphics. Choose from pre-measured sizes for your small pickup, truck or SUV. Made from 10-mil 50/50 perforated vinyl that lets you see through. Printed on high speed full color digital ink jet printers using solvent-based inks. Sticks to the exterior of your window with super-strength adhesive so your graphic stays put. Window Canvas Personal Expressions Graphics, Vinyl Personal Expressions Graphics – Videos, Installations & Reviews. For the top selection of Window Canvas Travel Accessories shop online today. The Window Canvas Personal Expressions Graphics, Vinyl Personal Expressions Graphics – Videos, Installations & Reviews will improve and personalize your vehicle. Window Graphics by Window Canvas – selected by many auto enthusiasts in the top automotive discussion forums. Window Canvas Personal Expressions Window Graphics for your vehicle will deliver the results you are looking for! Window Canvas Personal Expressions Window Graphics – Travel Accessories – Window Graphics.
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Wimberley Personal Assistant with 10 years of Care Gig Experience – Melissa R. – Care.com

Wimberley Personal Assistant with 10 years of Care Gig Experience – Melissa R. – Care.com


Personal service and attention to detail is what I will provide you. Let me help you with your personal errands including grocery shopping, holiday shopping, holiday travel plans, gift wrapping, holiday…
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The Never Say Diet Personal Fitness Trainer: Sixteen Weeks to Achieve Your Goal of a Healthy Lifestyle

The Never Say Diet Personal Fitness Trainer: Sixteen Weeks to Achieve Your Goal of a Healthy Lifestyle


If you want to lose weight for good, learn a secret from Chantel Hobbs: to change your life you first have to change the way you think. After years of failed diets, Chantel discovered the power of the "brain change." She made five nonnegotiable decisions, developed a balanced plan for exercise and nutrition, and lost 200 pounds. Now, through writing, speaking, and her work as a personal trainer, she inspires others to achieve far more than they thought possible. With "Never Say Diet," you can: -Ditch your self-defeating habits and start dreaming big again -Develop a driving passion for personal fitness -Look at food as fuel and not as your best friend -Learn how God wants to help you win Put an end to the diet drama. Whether you want to lose fifteen pounds, fifty, or one hundred fifty, Chantel will show you how to make your commitments stick-producing results that last It’s not easy, but it really is as simple as it sounds. First you lose your excuses, then you lose weight for good. You’ll never say "diet" again.
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Window Canvas Personal Expressions Window Graphics WC511023-0 Sports Window Graphics

Window Canvas Personal Expressions Window Graphics WC511023-0 Sports Window Graphics


Window Graphics by Window Canvas. Window Canvas Personal Expressions Window Graphics Features – Let your voice be heard with unique vinyl window graphics. Choose from pre-measured sizes for your small pickup, truck or SUV. Made from 10-mil 50/50 perforated vinyl that lets you see through. Printed on high speed full color digital ink jet printers using solvent-based inks. Sticks to the exterior of your window with super-strength adhesive so your graphic stays put. Window Canvas Personal Expressions Graphics, Vinyl Personal Expressions Graphics – Videos, Installations & Reviews. For the top selection of Window Canvas Travel Accessories shop online today. The Window Canvas Personal Expressions Graphics, Vinyl Personal Expressions Graphics – Videos, Installations & Reviews will improve and personalize your vehicle. Window Graphics by Window Canvas – selected by many auto enthusiasts in the top automotive discussion forums. Window Canvas Personal Expressions Window Graphics for your vehicle will deliver the results you are looking for! Window Canvas Personal Expressions Window Graphics – Travel Accessories – Window Graphics.
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Private (your group of up to 3 travelers) Barcelona & Montserrat Tour *with Personal Pick-up*

Private (your group of up to 3 travelers) Barcelona & Montserrat Tour *with Personal Pick-up*


From the maze-like streets of Barcelona to the heights of Monserrat, this 8-hour highlights and mountain tour will take you on a journey through the heart of Catalonia. Visit Montjuic Castle, Antoni G
List Price: $ 493.38
Price: $ 493.38

Window Canvas Personal Expressions Window Graphics WC511023-2 Sports Window Graphics

Window Canvas Personal Expressions Window Graphics WC511023-2 Sports Window Graphics


Window Graphics by Window Canvas. Window Canvas Personal Expressions Window Graphics Features – Let your voice be heard with unique vinyl window graphics. Choose from pre-measured sizes for your small pickup, truck or SUV. Made from 10-mil 50/50 perforated vinyl that lets you see through. Printed on high speed full color digital ink jet printers using solvent-based inks. Sticks to the exterior of your window with super-strength adhesive so your graphic stays put. Window Canvas Personal Expressions Graphics, Vinyl Personal Expressions Graphics – Videos, Installations & Reviews. For the top selection of Window Canvas Travel Accessories shop online today. The Window Canvas Personal Expressions Graphics, Vinyl Personal Expressions Graphics – Videos, Installations & Reviews will improve and personalize your vehicle. Window Graphics by Window Canvas – selected by many auto enthusiasts in the top automotive discussion forums. Window Canvas Personal Expressions Window Graphics for your vehicle will deliver the results you are looking for! Window Canvas Personal Expressions Window Graphics – Travel Accessories – Window Graphics.
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Window Canvas Personal Expressions Window Graphics WC511023-1 Sports Window Graphics

Window Canvas Personal Expressions Window Graphics WC511023-1 Sports Window Graphics


Window Graphics by Window Canvas. Window Canvas Personal Expressions Window Graphics Features – Let your voice be heard with unique vinyl window graphics. Choose from pre-measured sizes for your small pickup, truck or SUV. Made from 10-mil 50/50 perforated vinyl that lets you see through. Printed on high speed full color digital ink jet printers using solvent-based inks. Sticks to the exterior of your window with super-strength adhesive so your graphic stays put. Window Canvas Personal Expressions Graphics, Vinyl Personal Expressions Graphics – Videos, Installations & Reviews. For the top selection of Window Canvas Travel Accessories shop online today. The Window Canvas Personal Expressions Graphics, Vinyl Personal Expressions Graphics – Videos, Installations & Reviews will improve and personalize your vehicle. Window Graphics by Window Canvas – selected by many auto enthusiasts in the top automotive discussion forums. Window Canvas Personal Expressions Window Graphics for your vehicle will deliver the results you are looking for! Window Canvas Personal Expressions Window Graphics – Travel Accessories – Window Graphics.
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Your Personal Wellness Guide and Health Almanac for an Invitation to Health : Brief Edition: Choosing to Change

Your Personal Wellness Guide and Health Almanac for an Invitation to Health : Brief Edition: Choosing to Change


Buy Your Personal Wellness Guide and Health Almanac for an Invitation to Health by Dianne Hales in Paperback for the low price of 30.95. Find this product in Health & Fitness > Diet & Nutrition – Nutrition, Nursing – Nutrition.
List Price: 30.95
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Littlearth Miami Hurricanes PERF-ect Personal Organizer

Littlearth Miami Hurricanes PERF-ect Personal Organizer


Keep your credit cards and cash safe with this Miami Hurricanes PERFect personal organizer. This Miami Hurricanes organizer features a printed team logo and a main compartment with an expandable elastic side. Measures 3.25quot; x .5quot; x 5.1quot;.
List Price: $ 9.95
Price: $ 9.95

Thumper Versa Pro Personal Foot Massager

Thumper Versa Pro Personal Foot Massager


The Thumper Versa Pro is the best lower body massager in the world. The perfect compliment to a fitness and wellness program. With 6 speeds, 7 pre-programed workouts and 184 acu-pressure nodes, the Thumper Versa Pro is specifically designed to massage feet, calves, hamstrings and lower back muscles. Steel and Hi-impact ABS Construction.
List Price: $ 319.00
Price: $ 319.00

Jerry Baker’s It Pays to Be Cheap!: 1,973 of the Niftiest, Swiftiest, and Thriftiest Secrets on Earth for Spendin’ Less and Savin’ More On… Food, Clothes, Electronics, Furniture, Travel, Household Goods, Pets, Personal Care, and Almost Everything!

Jerry Baker’s It Pays to Be Cheap!: 1,973 of the Niftiest, Swiftiest, and Thriftiest Secrets on Earth for Spendin’ Less and Savin’ More On… Food, Clothes, Electronics, Furniture, Travel, Household Goods, Pets, Personal Care, and Almost Everything!


New – Fun and innovative ways to save money on items such as groceries, electronics, pet care, travel, and clothing are revealed in this indispensable savings handbook. Features such as “Online Steals & Deals,” “Bargain Alerts,” and “Fantastic Formulas” uncover easy ways for anyone to become a thrift expert without sacrificing personal pleasures or undergoing excessive belt-tightening. Money-saving ideas for cutting pet food bills by 25 percent, flying major airlines for free, and creating an au

Price: $
Sold by Alibris (UK)

Troubleshooting and Repairing Personal Computers

Troubleshooting and Repairing Personal Computers


New – This book is the second edition of the bestselling Troubleshooting and Repairing the New Personal Computers. The first half of the book covers simple routine repairs that can be made by virtually anyone. The second half of the book covers more advanced repairs. The book can be used by beginning-level computer owners and by intermediate-level electronics hobbyists and technicians.

Price: $
Sold by Alibris (UK)

Articles on Luggage, Including: Backpack, Suitcase, Checked Baggage, Pannier, Jansport, Lost Luggage, Trunk (Luggage), Samsonite, Snugpak, Briefcase, Portmanteau (Suitcase), Baggage Handler, Personal Load Carrying Equipment, Carpet Bag

Articles on Luggage, Including: Backpack, Suitcase, Checked Baggage, Pannier, Jansport, Lost Luggage, Trunk (Luggage), Samsonite, Snugpak, Briefcase, Portmanteau (Suitcase), Baggage Handler, Personal Load Carrying Equipment, Carpet Bag


Used – Please note that the content of this book primarily consists of articles available from Wikipedia or other free sources online. Hephaestus Books represents a new publishing paradigm, allowing disparate content sources to be curated into cohesive, relevant, and informative books. To date, this content has been curated from Wikipedia articles and images under Creative Commons licensing, although as Hephaestus Books continues to increase in scope and dimension, more licensed and public domai

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You’re So Skinny!: Advice, Personal Life Experiences, and Over 50 Weight Management Tips on Maintaining a Slim Figure

You’re So Skinny!: Advice, Personal Life Experiences, and Over 50 Weight Management Tips on Maintaining a Slim Figure


Why not have a fabulous figure? Wouldn’t you rather look more attractive, get noticed by others and have greater self-esteem? This book is your complete guide for fitness, weight management, and controlling what favorite foods you eat. You will develop a positive body image and obtain helpful hints for a more enjoyable, healthy and active lifestyle. Whether you want to lose weight or want to maintain your existing weight, you will want to go over this book continuously. You will find out how simple it is to: * Maintain your weight with self-control rather than just lose a few pounds. * Learn to outfit your body to look more stylish and slimmer. * Build your self-esteem by loving and embracing your body; building a strong body image and by accepting its flaws. * Obtain more energy by participating in physical activities, and maximize your daily production. * Bypass the expensive fitness centers and learn how to create your own affordable home gym by choosing the right exercise methods and equipment. * Balance your own food intake to minimize calories and curb your appetite. Deninne Jackson is the author of "You’re So Skinny " (Advice, Personal Life Experiences, and Over 50 Weight Management Tips on Maintaining a Slim Figure). This best selling guide on weight management will show millions of people simple tips on enjoying a more active lifestyle. What are you waiting for?
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Month of Gym Access & Personal Training Session – Month of Gym Access and One-Hour Personal Training Session

Month of Gym Access & Personal Training Session – Month of Gym Access and One-Hour Personal Training Session


As winner of South Jersey Magazine’s “Best of the Best” award in 2011 and 2012, Future Fitness Centers can certainly get your body ready for the beach: (0 value) for a one-hour personal training session and one month of unlimited gym access Certified personal trainers use a scientific approach to build a plan for you Locations in Mount Laurel, Cherry Hill, West Berlin, Medford, Turnersville, and Mullica Hill Future Fitness Centers’s Website
List Price: 140.0
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Stepping Out Personal Checks

Stepping Out Personal Checks


Artist Malenda Trick Personal Checks are Pure Style! – Ladies, admit it. A girl just can’t have too many shoes, and now you can celebrate your love affair with footwear with these chic Stepping Out artist Malenda Trick personal checks, available exclusively from Bradford Exchange Checks(R). After all, you can order shoes online – it seems only fair that you can buy checks online, too, right? Best of all, these check designs showcase Malenda Trick’s fanciful footwear designs in four fabulous color palettes ranging from pink and green to red and cream, green and tangerine, and even yellow and pink. And they’re all perfectly accessorized with an irresistible sentiment: Sassy, Flirty, Dreamy, and Playful. Hmm, who knew you could find checks to go with every outfit? Plus, Bradford Exchange Checks(R) makes it easy to buy bank checks online at a discounted price, and you’ll be thrilled to know that these exclusive Stepping Out unique designer personal checks are of the highest quality, expertly re-created with premium-quality check printing. So don’t wait – start Stepping Out with your artist Malenda Trick design personal checks right away! Order now! Pricing shown is for 2 boxes of Singles.
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