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Debt Consolidation Means A Lifestyle Change

When it comes to personal debt, financial experts from around the world agree on one thing: it is a symptom of a much bigger problem with the individual. Debt can build up slowly over the years until it reaches a point where you are paying off so much debt that your personal income doesnt cover what you have to pay each month and worse, you might have to start taking on more debt to fill the gap between income and expenditure.

Its very easy to get in to debt, with the consumer society we live in we have been led to believe that we can have it all right now and pay for it in manageable bitesize chunks each month. The financial crisis and ongoing recession has proved that the buy now, pay later culture fostered by the credit and retail companies was an unsustainable dream and now many people have great TVs, awesome cars, went on fantastic holidays but have huge debt mountains that have to be dealt with.

Debt consolidation is a great tool for many families to pull themselves out of the miserable debt cycle. The lower rate of interest gives breathing space each month so you can use your income for essential living costs rather than paying off interest on the couches you bought a few years back, it will reduce your stress levels as you wont get new bills every day and you can make that one easy payment each month right after you get paid.

Once youve consolidated your debt though you need to rethink your lifestyle and attitude towards credit. If you havent already, now might be the right time to cut up those credit cards particularly the store cards that have crazy interest rates. A new attitude needs to be adopted of waiting to have the money to buy something rather than having everything now and repaying it later. The consumerist lifestyle also needs to be rethought; do you really need to take a foreign holiday each year? Can the gas guzzling SUV be traded in for something more economical? Is there a cheaper place to buy groceries and apparels?

The danger with debt consolidation is that you dont change your lifestyle and manage your income and expenditure to ensure you dont spend more than you have each month. Debt consolidation is your second chance to get your finances in order there isnt a third chance because if you fail to change your ways after consolidating your debt and continue buying gadgets and going out to restaurants and then paying for it all on credit then you risk losing your home, family and lifestyle.

Its a pretty scary thought so once youve consolidated your debt, change your ways, change your attitudes to money and think of the relief youll have in 5 years when you are finally debt free.

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Analysis Of Swinger Lifestyle And Its Sexual Practices

Every social practice that goes beyond the norms of the society faces problems. Swinging is such a social practice. It is a sexually liberated lifestyle where people swing after consent. There’s no cheating or betrayal involved. Couples enjoy the swinging lifestyle after striking a balance between swinging and their personal relationships.

It is said that every coin has two faces – one negative and the other is positive. Similarly, swinging lifestyle has some merits as well as demerits. A successful swinger is the one who can rule out his/her shortcomings and take most out of the lifestyle. The experience can be gratifying is you take the practice sportingly and avoid the restrictions posed by the society.

The swinging lifestyle has several opportunities and facilities. You can socialize with like-minded individuals. They’ll understand your desires and support your viewpoint. You can become friends and satisfy each other sexual libido. The swingers don’t attach any strings. They practice the lifestyle as an adventurous activity rather than an opportunity to find love.

The lifestyle gives you an open environment to experiment with your sexual orientation. You can learn about your sexual preferences. Some swingers experiment with different sexual activities. Some love couple swapping while some enjoy group sex. You might also come across people who get to face the homosexual side of their personality.

However, some inexperienced swingers face issues like jealousy and possessiveness. Sometimes, the feeling of sexual relationship between your spouse and swinger mate creep up feelings that lead to emotional distress. Over-extended arguments or conflicts lead to breaking of relations. Moreover, alienation from everyday social activities is a common threat among people in the swinging lifestyle.

Once, an individual rules out these shortcomings, he/she can enjoy the lifestyle to the hilt. Hence, the overall experience acts as refreshing change to meet the sexual demands of an individual and socialize with like-minded individuals.

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Buy Stylish Hijabs In Uk

The true impression of modest clothing has been rightly aligned with the fresh style statement to offer a striking blend of modesty and fashion and this concept is clearly visible in the wide range of Islamic clothing. Yes this is the new age concept of Islamic fashion statement. Honestly, the commitment to the Islamic faith can be best silhouetted and can be best described amidst the intriguing yet modest, stylish yet traditional clothing style, of the Islamic clothing designers. Yes, the modern Muslim clothing is being ideally inspired by the true sentiment of Islamic heritage.

Islamic clothing for women requires one to cover up more and this adds an enigmatic appeal to the woman while making her look beautiful, gorgeous and feminine. The Islamic women clothing like the stylish abayas and jilbabs, maxi dresses, long skirts, caftans and stylish hijabs are typically designed to cover up but this attribute do not make them mumsy because the Islamic clothing has now been adjusted a bit to fit the requirement of the era. And you are right! The modern day woman definitely likes the ideal combination of fashion and modesty in her clothing. It is now all about the idea of dressing modestly and when it boils down to the idea of Islamic clothing to express modesty, it is almost next to impossible to rule out the appeal of Hijabs, the Islamic scarf.

The Islamic head scarf for women has now come to be an accessory which the Muslim women have adopted with style. Ranging from the Middle East to the hip hop fashion lovers of the Western world, the Hijab has almost conquered the physical boundaries whilst delineating the true aura of modest clothing. In order to perfectly align to suit the era’s requirement the latest stylish hijabs fashion flaunts a rather sophisticated and refined look.

No more restricted to monotonous black now the Hijab store offers the head scarf in varied materials, prints and styles. Yes, you are right today. Hijab fashion has carved a niche in drawing the international fashion designers and giants from the textile industry. Are you looking to buy a stylish hijabs? Go online, browse through the splendid collection of Islamic wear and shop smart!

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Get Fashionable With Stylish Key Blank In Canada

Key blanks are a craze these days and with the different types of blanks available you may feel spoilt for choice. It is no more the boring same old steel keys without any design or color. Key blank in Canada is a craze now with so many different styles available and so many different colors too. Manufacturers produce a whole new set of blanks for consumers to use for different purposes. Be it residential or official purpose, you can still introduce some interesting element in your life with the myriad key blanks in Canada.

Color key blanks are the most popular as they are not only nice to look at but also are available in very interesting patterns. You will find keys of various qualities, and the prices for which they are available make it quite affordable for everyone. Car keys are also available in extremely trendy designs. You can find car key blanks in Canada for any type of car ranging from Toyota to Ford, Honda or even a Chrysler. You will find the latest designs and the perfect base for a biting. The blank key in Canada has enough space on the base so that you can get it designed to any biting.

Key blanks do not always have to be for the office or the car. You can have interesting blanks for your regular use too. There are thousands of different styles available that you may choose from. Since they are reasonably priced, you can surely afford to have key blanks in Canada that you can use for regular purposes. You may even become an object of envy for your neighbors by exhibiting the fashionable blanks. You may have different patterns and colors for different locks. You can have one set for the wardrobe, one for the main gate and another for your cabinets. It feels good to use blank keys that are interesting to look at instead of those regular and mundane looking keys.

College going students will not be disappointed either. There are key blanks in Canada for college students too. You can use a stylish key for your locker or even the car that you drive to college. Boys can create a good impression on the girls with a stylish key blank in Canada. You can choose from a Harley Davidson key blank or a 3D gun, grill or saw blank key. Girls who loved the way Marilyn Monroe made herself desirable for many can now own one blank that has her picture on it. If you are a big Marilyn Monroe fan, then this is the thing for you to use. Even those of you who like to play the guitar can now flaunt their new guitar blanks. Pick your choice and be termed as stylish instead of boring.

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A Guide Catwalk Trousers At High Street Prices

Catwalks showcasing the collections for spring summer 2011 were drenched with mid-blue wash denim, wide leg Palazzo trousers, and boyfriend-fit chino trousers truly something to suit every style and body shape – so thank goodness for online shopping, which means that we can all afford to treat ourselves to the latest leg wear.

Loving fashion and staying in-line with whats hot doesnt mean that you have to have a huge bank balance, because nowadays the latest must-have trousers, dresses, blouses, knitwear, footwear, and accessories, are all available to buy online at great low prices. And trousers are no exception. No wardrobe is complete without key pieces of denim, chino trousers that can be dressed up or down, and now, super-glamorous and ultra-elegant palazzo trousers have joined the ranks.

So, which style for which body shape and which occasion?

Denim
Cigarette-style jeans are seriously fashion-forward, despite being brought to light by the likes of Kate Moss and Angelina Jolie more than a season ago. Their staying power is testament to the fact that a carefully chosen pair can flatter, flirt, and fizz at just about any occasion, and when youve found a pair you love, youll want to buy them in every single colour! Choose these skinny jeans in mink or beige to be bang on trend.

Mid-blue wash denim has been all over the catwalks, and all over seriously stylish celebrities, and you can join in simply by investing in some affordable jeans, shorts, or playsuits for a super cool classic look for day or night.

Trousers
Palazzo trousers are perfect for a seamless transition from day to night. Buy a black pair and wear them to work with a crisp white fitted shirt and transform into a night-time goddess by switching your white shirt for a sheer blouse in peach or black. Always wear your palazzo trousers with skyscraper heels to give the illusion that your legs go on for miles and miles!

Chino trousers fall into the bracket of must-have items, simply because they make getting dressed for any occasion so easy! Chinos in beige, navy, and stone will give you the basis for any great outfit, whether you wear them with a belt, blouse and brogues for a chic office look, or you glam them up with a pair of suede wedges and a sheer blouse, youll always look stylish and feel fabulous.

Harem pants come in all shapes and sizes, so make sure you choose the right style in the right material for the right look. Belted harem trousers worn with stilettos are a sure-fire way to look sassy on a night out, and theyre equally as good for slouching around in when you get home.

So there really is something for everyone and every occasion, youve just got to know where to look to get a great bargain on all fashion-forward items.

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Stylish Business Suits for Women

Business suits are no longer limited to blazers over plain blouse and a pencil cut skirt. Ladies could be more excited to dress up for work because of the diversity in styles for women business suits today. Fashion has definitely kept up with modern times as it becomes more liberal and free-spirited. Females in the corporate world can very well take advantage of this by thinking of ways that can make them feel comfortable and beautiful with what they wear. But the classic plain colored skirts never go out of style. Girls who are more adventurous pair floral tops with printed skirts or pants. But they can go safe by matching printed tops with solid hues.

Blazers are also a classic when it comes to women business suits. But some girls are not very comfortable with it. Thankfully, there are less formal options available in today’s fashion. They can go for chic boyfriend blazers that can be paired even with jeans. Cardigans are also on top of the list for smart and stylish corporate wear. Cardigans can look good when worn with tailored pants. The match can be very sophisticated when accessorized with nice shoes and purse. Even if there are no blazers or cardigans, a nicely printed three-fourths blouse can already be stylish.

Dresses can also be great business suits for women depending on the style. They can always buy form fitting sheath dresses that are created to be worn for work. These are knee-length and can be in sleeveless; three fourth or long sleeved design. Sleeveless dresses can be paired with blazers to achieve a professional look.

Tailored pants can also be a classic corporate wear. If a woman wears it, it can instantly tell that she means no-nonsense. A black pair of nicely fitted pants for work can be paired with bright top and attractive accessories for a fresh look. It is always best to have atleast two pants in your closet. One must be tailored for flats and the other for heels. Bold printed blouses are best for black pants because it livens the outfit. Females definitely have many great choices for beautiful business suits for women. They should all take advantage of what’s available in boutiques today, and there should be no reason to look dull and boring at the workplace. Dressing up is important because it delivers the wearer’s personality and message. It is also important for workers who are somewhat feeling burned out at work. It is helpful for them to look forward to going to work each day by thinking of what nice outfits to wear.

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Adhering To The Stylish Wedding Suits In 2012

Dressing up Contemporary Capalets
Capelets are the popular choices that are most adored by girls that you will also love the most. You will come to be a dazzling princess look. The gorgeous flare will quietly suit close at your elbow. The fabrics of capalets is made from real phantasm that will provide a coating in your strapless dress. There are many variety styles of capelets. And as they come in different forms, more variations are highly demanded in the market in today’s era. You can be artistic and make your personal style, that’s why it is the most desired dress. It can be stitched in your desired hue, cord and size.

Magnificent Choices that Completely Match to Your Skin tone
Fine fabric will put more beauty to your wedding outfit. The hottest trend of 2012 in bridal necklines is the sweetheart bodice decorated with beads and crystals. It will appear beautiful that everyone could appreciate it. You will just combine some fabulous jewelry sets that will beautifully enrich to the outfit that you are selecting to wear. You can acquire great layouts and styles from the outstanding stylist in different magazines and catalogs. Referring to their ideas and selections will fire your day as well. There are a lot of choices of the fantastic front collars that you want in this year 2012.

Wedding Suits synchronized with the World’s Contemporary Style
Many people have a tendency to pick bridal outfit that are just ready-made and comfortable styles. Typically, it is more preferable to go searching for wedding suits in some merchants than going to a dressmaker for specifications. Nevertheless, it more great when you privately choose what type of design. In the end, it is still your wanted choice will matter. The key thing is that you are having the best for that moment. There are diverse 2012 selections which are marketed in many wedding catalogs. Just be captivating and fashion-forward on this day to experience more the essence and special value of being hitched on this year.

There are many exhilarating trends that you can choose in these advanced times. You can extend your knowledge to look for various kinds of bridal wears and outfits starting from prime to the well-dressed creations in 2012. Maintain be informed with the latest and stylish information that will enrich your wedding occasion this year. Buying or designing wedding suits with high cuts and coats which are just handy to wear. Through this, you don’t experience any disappointments and issues on your unforgettable event in your life.

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Breastfeeding Tops You Can Take To The Catwalk

Who says you can’t wear anything stylish while you’re pregnant or nursing? The modern woman knows that pregnancy or nursing a child does not mean that she has to wear sacks or shapeless clothing. Wearing sacks while pregnant can only be pulled off by gorgeous celebrity mums such as Angelina Jolie or Halle Berry, but not if you’re the average type of woman who juggles a job and the family life.

So, if you want to look good during pregnancy or while you are nursing, check out these fashion tips on how you can mix and match those maternity clothes and breastfeeding tops.

1.The most basic breastfeeding and maternity tops can be paired with stylish crocheted cardigans or a print scarf. If your shirt has prints on them, however, make sure that you choose a plain scarf or coat so you would not have that “busy” look. Cropped and open weave cardigans can look good on a pregnant or nursing mum.

2.Mix and match colours wisely. No, that blue vest and orange shirt do not match, so you better put it back inside your closet. A pink shirt and green pants do not look good on a woman also, whether she is pregnant or otherwise. A combination of pink and green only works on the catwalk, not on the crib or dinner table. Match colours that are near each other in the colour wheel.

3.Neutral colours, such as white, gray, black, and brown, would look good on any woman. Black breastfeeding tops and maternity clothes are especially helpful in camouflaging the shape of a swollen belly or accumulated weight post-pregnancy. White maternity tops can cool you down during hot summer months, while gray will match shirts of any colour. Just don’t wear brown trousers with green shirts or black shoes.

4.Maternity and nursing dresses are great during spring and summer. Stay away from sheaths that will emphasize your protruding tummy and go for empire cut dresses with enough space on the tummy area that will accommodate your expanding waistline.

5.You can wear these maternity or nursing clothes even in different occasions. Out on a date with your husband? Then try a V neck red shirt that you can pair with stretchy trousers. Wear a knitted tunic or a turtleneck shirt on your next get-together with friends. Picnics and outings on the beach can be comfortable with dresses or tunics designed especially for pregnancy or nursing.

6.Go for details, but don’t overdo them. One of the best details for mums is the broderie Anglaise which can be seen on skirts and paired with chic breastfeeding tops. Go easy on the ruffles and laces. If you’re a minimalist, look for clothes with classic designs but those that will enhance your femininity.

Keep in mind that you don’t have a responsibility to look frumpy just because you’re pregnant or you’ve just given birth. You can mix and match maternity tops and other maternity clothes to suit your own style.

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A Stylish Handset The Nokia 5233

Buy this stylish handset from the house of Nokia the Nokia 5233 that comes in black color to attract everyone. It is a sleek and elegant phone for those who like stylish items to carry on themselves. The mobile phone is full of great features and amazes everyone when they see the optima price of the Nokia 5233. The Nokia 5233 price is Rs. 6,159 approximately, and has all the features that come with a phone of this segment.

The stylish handset has a display of 3.2 inches with full touch screen display and 16:9 wide screen aspect ratios with 640 x 360 pixels resolution. The mobile phone Nokia 5233 has dedicated keys for the camera, power, menu, volume, send and send and a media bar for video center, share multimedia and web browser. You also get a plug in for play/pause back and forward. The phone is also equipped with voice commands. If you are looking for a perfect touch-screen phone with tactile feedback then this is it. It is well equipped with accelerometer that is utilized for auto rotation of the home screen and the proximity sensor that saves power. You also get the software for handwriting recognition.

The other interesting features of the Nokia 5233 are the 2 megapixel camera with 3 x digital zoom. You get advanced camera system like the white balance, scene mode, exposure compensation, photo editor, auto mode, auto exposure and dedicated camera key. The mobile phone is capable to capture video up to 640 x 480 pixels at 30 fps. The Nokia 5233 comprises of multi format video playback, video feeds and video streaming and has an on-phone video editor. The other multi-format features are the music player and the FM radio. And the Nokia Ovi player and Nokia Podcasting can support adds to the various functions. The phone comprises of internal dynamic memory of 70MB and is expandable up to 16 GB with microSD memory card. Regarding the power of the mobile phone, it has a battery of Lithium-ion and gives a talk time of 10.7 hours and standby time of 45 hours. Even the video playback is sufficient, which is 4.4 hours and the music playback is 33 hours. The other network features are the GSM/EDGE that operate at 850/900/1800/1900 frequencies. There is a automatic switching between GSMs.

The mobile stores have many handsets from the Nokia mobile phones and have also kept a Nokia mobile price list in order to have a huge price range of Nokia.

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Pros and Cons of a Healthy Lifestyle

Pros and Cons of a Healthy Lifestyle
by David Junno Psy.D.

Word count: 512

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Deciding to change your lifestyle.
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Once we recognized we have a problem, the temptation is to want
to make a change immediately. This, however, is rarely a good
idea. The reason is that for our attempts to be successful we
need to be absolutely sure we are willing to make the changes
necessary.

For example, if we discover that we have high cholesterol, we
might want to immediately start dieting and doing more exercise.
However, this can lead to problems. If we have not made a firm
decision to make the necessary changes, then when we encounter
obstacles, (which there will be many of), we will not have the
commitment to overcome them. We then might define our inability
to overcome the obstacles as a failure on our part. This is
likely to lead to the belief that we cannot make the necessary
changes, and we give up trying.

To avoid this problem we need to focus on making a decision to
change, rather than just reacting to bad news. One of the best
ways to do this is to focus on the pros and cons of making
changes.

———————————————-
The Pros and Cons of Changing
———————————————-

Take a piece of paper and write on the top what you want to
change, for example: exercising more, or eating less saturated
fat. Then make two columns on the paper and title one of them,
pros and the other one, cons. Under pros, write down all the
good reasons for making your change. For example under exercise
you might say, get into better shape, or have more stamina.
Under eating less saturated fat, you might write: lose weight.

Under the Cons, write all the reasons for not making these
changes. For example under exercise you might say, “I don’t
feel I have the time”, or “I don’t like exercising”. Or for
eating less saturated fat you might say, “I would have to
give up my favorite foods”, or “It will require a lot of
changes in my meal preparation”. According to Prochaska,
Norcross and DiClemete in their book, “Changing for Good”,
for a change to be successful the pros have to outweigh the
cons.

Are your pros more than your cons? If so, go ahead and start
preparing to change. If your pros are not more than your
cons, do not despair. This just means you need to focus your
efforts on looking for more of the pros, and coming up with
responses to the cons that will decrease their influence on
you. Being aware of the cons of making a change is very
important, as they tell you what you need to prepare for.
Being prepared for the obstacles before you encounter them
will improve your chances of success.

David Junno Psy.D. is a personal coach and author of:
Lower High Cholesterol, Reduce Your Risk of Heart Disease-
READY OR NOT! an e-book program for living a healthier
lifestyle. You can e-mail him at: djunno@… or
visit his website: