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kane
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PostSubject: Re: Ramdom News Atricles   Ramdom News Atricles - Page 3 Icon_minitimeThu Dec 09, 2010 8:10 am

Quote :
17 Amazing Holiday Gifts Under $20
By Kaboodle.com

Who says a great gift has to cost a lot? Take care of everyone on your "nice list" from the kids in your life to the stylish hostess for under $20 each with these fun gift picks!

Mad Men: The Illustrated World
$9.00, Amazon.com

Know someone who's already counting down the days until the next season of Mad Men? Keep him preoccupied with this interactive coffee table book, which is filled with little-known facts about the show, artwork from advertising's heyday, and (our favorite part) ingredients for making the perfect Manhattan.

Sparkling Pave Dome Studs
$16, UrbanOutfitters.com

What girl wouldn't love to find a bit of sparkle under her Christmas tree?! These brilliant earrings come at an equally brilliant price--$16.

Hot Chocolate-on-a-Stick
$18, Petrossian.com

Sweets are classic stocking stuffers, and what could be better than these delicious (and ingenious!) gourmet Belgian-chocolate cubes? We’re salivating just looking at them!

Handlebar Mustache Corkscrew
$10, PerpetualKid.com

The ‘stache is back! Only this time, it’s not just a fashion statement. It’s also a finely crafted corkscrew and bottle opener. Your uncle's beverage containers are no match for the sheer power of a manly mustache!


Play-Doh Magic Swirl Ice Cream Shoppe
Starting at $10, Yahoo! Shopping

Your little one will feel like a gourmet confectionery chef with this Play-Doh ice-cream kit, complete with a soft-serve extruder and sprinkle-maker.


Eco Cup
$20, UrbanOutfitters.com

Perfect for coffee drinkers and tea enthusiasts (especially those who are eco-conscious), this reusable porcelain cup insulates hot and cold liquids with a silicone lid that seals tightly.


Keep Calm and Rock On Poster
$17, theposterlist.com

The ever-popular "Keep Calm and Carry On" print gets a rock-star remix in this eye-catching version. Give this poster to the music-lover in your life to let her know how much she really rocks!


I’m Not Bored Anymore Art Jar
$20, landofnod.com

Perfect for the little artist who's always on the hunt for his next project, this jar is chock-full of all the crafting supplies needed to cure winter-day boredom!

Boardwalk Empire: The Birth,
High Times, and corruption
of Atlantic City

Boardwalk Empire: The Birth, High Times, and corruption of Atlantic City
Starting at $10, Yahoo! Shopping

If your loved one is like us, she is slightly obsessed with HBO's new hit show Boardwalk Empire. Give them this fascinating read, which is the inspiration for the series!

Basic Convertible Glove
Starting at $12, UrbanOutfitters.com

You can't go wrong with these versatile one-size-fits-all fingerless gloves as gifts. These convertibles feature fold-over mitten coverings and detailed buttons for a stylishly snug look.

How to make Balloon Animals Kit
$10, fatbraintoys.com

Looking for an offbeat gift for an office party or Secret Santa exchange? Try this entertaining kit!

Pearl in Wire Nest Ring
$20, TopShop.com

Got a friend who's known for wearing standout jewelry? Add to her collection with this stunning pearl piece!

Baroque Noir Candlestick Lighter
$14, Plasticland.com

The design maven with a love for Baroque accents will swoon over this decorative candlestick-shaped lighter!

Zubbles: Colored Bubbles
$7, PerpetualKid.com

The magic of bubbles and the beauty of color have been combined to form Zubbles. When the dye is exposed to air, water, or pressure, it disappears, giving kids hours of fun (and you zero mess to clean)!


Cardinal Industries Twilight Eclipse - The Board Game
Starting at $12.39, Yahoo! Shopping

Any teeny bopper with vampire-fever knows that you can never get enough of Twilight goodies! This board game will go perfectly with the DVDs, books, posters, beauty products, and clothing items every Twi-hard must have!


Next Betsey Fashion Designer
$9, ModCloth.com

Aspiring designers with a penchant for retro-inspired toys will love this gadget that makes creating different combinations of fashion drawings easy and fun.


Thomas & Friends Preschool Bathtub Squirters
$10, fisher-price.com

What little squirt doesn’t love to merge bath time with play time?! Thomas & Friends make excellent bathtub companions that will make washing fun!

More from Kaboodle.com:

19 Best Christmas Gifts for 2010

10 Best Celeb Hairstyles of the Year

25 Amazing, Show-Stopping Engagement Rings

25 (Affordable) Ways to Be Stylish Right Now

Source:shopping.yahoo.com
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kane
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PostSubject: Re: Ramdom News Atricles   Ramdom News Atricles - Page 3 Icon_minitimeWed Dec 15, 2010 9:57 pm

Quote :
America's 10 healthiest grocery stores
by Health.com, on Fri Dec 3, 2010 8:52am PST

By Pamela Paul

Let’s face it: Your weekly (or daily!) run to the grocery store is the foundation for your good health. So it’s thrilling news that the supermarket industry is on a health kick—these days you’ll likely find organic produce and “natural” packaged foods at almost any store you go to.

But which chains are outdoing themselves to deliver the freshest and healthiest foods to you? And which ones provide the best tools to help you make smart choices?

We asked six prominent health experts (meet our judges) to help us pick the top 10 healthiest grocery stores out of the nation’s largest chains. Here are the true standouts. Happy, healthy shopping!

#1: Whole Foods

279 stores in 38 states and Washington, D.C.

We figured this natural-foods chain would make the list, but who knew it would hands-down top it? “It’s the Rolls Royce of healthy eating,” says Kate Geagan, a nutritionist in Park City, Utah, and one of our judges. Whole Foods has the whole package—from an extraordinary selection of fresh conventional and organic fruit and vegetables to delicious prepared foods with healthy ingredients and clear labeling. (Most other stores offer mystery meals that may very well be loaded with butter.) And Whole Foods puts a premium on products that are grown or produced locally (read: superfresh).

There’s also hard-to-find grass-fed meats, ready-to-cook organic and free-range chicken, and a well-stocked selection of just-caught seafood. The desserts are pretty good for you: Every item in the bakery is free of artificial colors, flavors, sweeteners, preservatives, and trans fats. Our judges also raved about Whole Foods’s snacks, singling out the store’s own dark chocolate, fresh-cut veggies, and nut and seed mixes. Alan Greene, MD, a Palo Alto, California–based pediatrician and one of our panelists sums it up best: “The store celebrates great, healthy food from start to finish.”

Health.com: 11 Ways to Pick Out Healthy Food

#2: Safeway

1,700-plus stores nationwide

Safeway is the traditional grocer you’re familiar with, but look closer and you’ll see a huge transformation going on. “They now have their own organic brands and a section of locally grown produce,” says judge Lisa Pawloski, PhD, chair of the department of global and community health at George Mason University in Fairfax, Virginia. Besides those organic brands—O Organics for packaged goods (the biggest organic brand in the country) and Eating Right for prepared foods—many of the chain’s redesigned stores have a greatly expanded produce section.

Safeway’s specialty items like organic spices and packaged nuts make it a regular stop for judge Dr. Greene. Bonus: Its online Food Flex program analyzes shoppers’ purchases based on metrics like recommended sodium consumption, and then suggests healthier choices. “They’re a major pioneer in this area,” says panelist Christine Palumbo, a Chicago-based nutritionist. “It’s like having your own registered dietitian.”

Health.com: 10 Best Foods for Your Heart

#3: Harris Teeter

176 stores in the Southeast

This grocer boasts 600 varieties of fruit and veggies, with a good selection of organic and locally grown items, as well as hard-to-find nonfarm-raised seafood. But what catapulted it to third place is its breadth of healthy shopping tools.

Harris Teeter’s YourWellness For Life program, which was originally created to help employees choose the most nutritious foods, became available to customers in 2006. Part of that initiative is shelf tags that clearly show the nutrients in various foods (an “excellent source of fiber” label means the item contains 20% or more of the recommended daily intake; a “good source of fiber” lets you know there’s between 10% and 19% of the RDI). Plus, a Green Thumb Expert at every store gives hints on choosing and preparing produce.

Health.com: America's Healthiest Superfoods for Women

#4: Trader Joe's

300-plus stores in 23 states and Washington, D.C.

Shopping at Trader Joe’s is more like going to a specialty-foods store than a chain grocer—you’ll find healthy foods from around the world, all at surprisingly reasonable prices. What you won’t find: bad-for-you mainstream brands. The store’s impressive and delicious store-brand foods contain no artificial flavors, colors, or preservatives, and no MSG, trans fats or genetically modified ingredients. “My daughter loves their Omega Trek Mix With Omega-Fortified Cranberries, and now I do, too!” Palumbo says.

Pawloski is just as excited about their organic prepared meals. There are fun healthy surprises, too: instead of sugary cereals, they have good-news alternatives, like fruit-and nut-packed Triple Berry O’s. Why didn’t Trader Joe’s rank higher? The limited selection in most of its stores.

#5: Hannaford

165-plus stores in the Northeast

This chain is relatively small, but Whole Foods should look out$mdash;Hannaford is the largest certified-organic supermarket in the region, and in the past two years it has boosted its produce selection to provide more than 50 local and organic products from 200 farms close by. “It’s an impressive amount of local produce, which is not that easy in temperate New England,” Geagan notes.

But Hannaford’s commitment to healthy foods doesn’t stop there. Its Guiding Stars nutrition-label program makes it a snap to pick out the healthiest fresh and packaged fare: You’ll find one, two, or three stars—with three stars indicating the highest nutritional value—on nearly every item in the store. That means you don’t have to pore over the labels to decide which loaf of bread to buy.

#6: Albertsons

529 stores in the West, owned by SuperValu

Organic food can be expensive, but Albertsons’s house brand, Wild Harvest, typically costs 15% less than name-brand organic products. All Wild Harvest items—including whole wheat pastas, soy milk, cereals, meats, and poultry—eschew artificial preservatives, colorings, sweeteners, and flavorings; hydrogenated and cottonseed oils; and phosphates and chlorine.

Our judges loved the chain’s Healthy Eaters program, which lets kids tour the store with a registered dietitian. And this month, Albertsons introduces the Nutrition iQ program, which uses simple color-coded labels to highlight nutritional benefits.

Health.com: Dr. Oz's Favorite Healthy Foods

#7: Food Lion

1,300 stores in the Southeast and Mid-Atlantic

This megachain is owned by the same company as Hannaford and has taken some healthy cues from its smaller sister: It stocks organic fruits and vegetables (though not as many local items as the top chains), has its own natural-foods brand, Nature’s Place, and also uses the Guiding Stars nutrition-labeling system.

But it’s Food Lion’s boutique offshoot, Bloom (61 stores in North Carolina, South Carolina, Maryland, and Virginia), that’s leading the way for the entire chain. “Their produce is fresh and smells wonderful,” Pawloski says. Bloom also boasts kiosks that provide nutrition info and healthy recipes that can be printed in-store.

Health.com: 25 Surprisingly Salty Processed Foods

#8: Publix

952 stores in the Southeast

Publix scores high for making healthy eating a family affair. Pregnant moms can sign up for the Publix Baby Club and receive coupons and a news­letter about infants’ developing needs. The Preschool Pals program for 2- to 4-year-olds provides kids with fun free CD-ROMs and emails that teach nutrition and safety. And its free FamilyStyle magazine has simple tips on cooking family dinners fast.

The store’s own brand, GreenWise, features fresh and packaged natural and organic foods. And like Food Lion, Publix has launched an offshoot store that focuses on natural and organic foods—Publix GreenWise Market (currently only in Florida). Our judges also couldn’t stop talking about Publix’s At Season’s Peak program, which points customers to the produce that’s most in season. “It helps shoppers choose food when it’s freshest and most nutritious,” says panelist Frances Largeman-Roth, Health’s senior food and nutrition editor.

Health.com: America's Healthiest Mall Food

#9: Pathmark

141 stores in the Mid-Atlantic

Pathmark doesn’t make a big deal out of its commitment to buying from area farms and producers, but it is in fact the largest retailer of locally grown produce in the Northeast, stocking area finds like Long Island corn on the cob.

It also provides a welcome incentive to eat right: The company’s Live Better! Wellness Club includes discounts of up to 15% on fresh-cut fruit and veggies. And if you never know what the heck to make for dinner, here is a perk you’ll appreciate: You can go online and get creative and healthy menu ideas, courtesy of Pathmark’s resident registered dietitian, Jacqueline Gomes.

Health.com: America's Top 10 Healthiest Fast Food Restaurants

#10: SuperTarget

239 stores in 21 states, primarily Texas and Florida

Tar-jay, a healthy grocer? Yep. These Targets with minimarkets offer good-news brands like Kashi, Quaker, Sahala Snacks, and Barbara’s, plus a limited amount of organic dairy items and produce. And you’ll also find inexpensive, high-quality house brands like Market Pantry (cooking staples, etc.) and the trans fat–free Archer Farms (which includes baked goods, appetizers, and snacks)—and this makes it easier for shoppers to stock up for less.

Related: supermarket, healthy food, grocery store, food shopping

Source: shine.yahoo.com

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PostSubject: Re: Ramdom News Atricles   Ramdom News Atricles - Page 3 Icon_minitimeThu Dec 16, 2010 8:09 am

Quote :
Energy Wasters in Your Home
by Jeanine Skowronski
Thursday, December 9, 2010


Your Energy Bill Breakdown

Energy doesn't come cheap.

According to Maria Vargas, spokesperson for EnergyStar, a division of the Environmental Protection Agency (EPA), energy bills can differ depending on the size and location on your home, but the average household spends $2,200 a year. The good news is these costs can be cut dramatically.

[Click here to check savings products and rates in your area.]

Energy Star, a program started in 1992 to help reduce greenhouse gas emissions and lower energy costs for consumers, offers suggestions for how to reduce your annual electric costs by a third. In other words, you can save about $700 a year on electricity. Last year, Vargas points out, Americans saved about $17 billion on energy bills and reduced green house gas emissions by nearly the equivalent of 30 million cars.

[See 3 New Ways to Save on Gas]

Using data compiled by EnergyStar, MainStreet breaks down your energy bill and identifies the biggest wasters to help you save money (and reduce greenhouse gas emissions!) this winter.

HVAC Systems

"If you really want to cut back on your energy use, you need to focus on heating and cooling your home," Vargas says. That's because these two categories combined account for 46% of your overall electric bill. While most homeowners can't afford a complete overhaul of their homes' heating, ventilating and air-conditioning (HVAC) systems, some changes can increase energy efficiency and include:

• Installing a programmable thermostat, which lets you set temperatures for specific times of day. These devices can save about $180 each year on energy costs.

• Change air filters regularly. The harder your HVAC unit has to work, the more energy it eats away. Filters should really be changed out monthly, especially during the summer and winter months when the HVAC unit has a heavy workload. If you find this tedious, EnergyStar suggests changing filters a minimum of every three months.

• Seal your heating and cooling ducts, especially those running through the attic, crawlspace, unheated basement or garage, as that improves the efficiency of your HVAC unit by as much as 20%.

Water Heater

According to EnergyStar, your water heating system accounts for 14% of your energy bill. Monetarily speaking, the average household spends $400-$600 per year on water heating. To reduce this expense, lower standby losses, such as heat that escapes the water heater and seeps into the surrounding basement area, as well as the amount of hot water you use in your home.

When set too high, or at 140 degrees Fahrenheit, your water heater can waste anywhere from $36 to $61 annually in standby heat losses, and more than $400 thanks to overall consumption. Lower that expense by bringing the heater's thermostat to 120 degrees Fahrenheit or below.

Lights Out

In EnergyStar's breakdown, lighting accounts for 12% of bill, but it also represents one of the easiest fixes. In fact, by simply replacing five of your standard incandescent light bulbs with compact fluorescent light bulbs, you can save $70 a year.

Hot Stuff

Appliances only account for 13% of electric bills, so naturally, most people don't upgrade to an energy efficient toaster. Still, if you are committed to reducing the amount of energy you use, you need to focus on larger appliances that use a heat coil, such as a refrigerator or washer and dryer. To do that, make sure that your fridge's filters are cleaned regularly, and consider using only cold water to wash laundry loads. That can save $30 to $40 each year.

[See Tips to Cut Costs on Your Heating Bill]

But don't be too stingy, Vargas says. Replacing a major appliance, like a refrigerator that is 10 to 15 years old, may help you save in the long term as new technology is constantly subject to federal standards that adjust every year.

Energy Vampires

Any appliance or device that sucks up energy when it's plugged in, despite being turned off, is one of these money-draining culprits. According to EnergyStar, this includes most electronic devices, especially those that use some sort of display, like a television, laptop or DVD player.

Slaying energy vampires won't lower your energy bill significantly — electronics only account for about 4% of the total cost — but it's important to keep them in mind, as they consume 75% of the electricity used to power home electronics and appliances.

Powering Down

The best way to eliminate this phantom menace is not only to turn energy vampires off, but unplug them. This may be easier said than done, but unplugging a laptop in between uses isn't particularly problematic. However, doing so with your television would require you to wait for the cable to reboot every time you wanted to watch a program.

As an alternative, EnergyStar suggests plugging your television and/or DVD player into a power strip and then turning that off when your television is in stand-by mode. Put your computers on sleep mode, or manually turn off the monitor inbetween visits, as opposed to utilizing a screen saver, which, contrary to popular belief, does not reduce energy output. Also, make sure you unplug a battery charger of adapter as it continues to draw energy even when the product no longer needs it.

Put Stand By on Stand by

The final 11% of your electric bill comprises devices that don't exactly fit into any particular category. This includes dehumidifiers, external power adapters and video game consoles, which are all considered energy vampires.

An Xbox 360, for example, if left on the draws approximately 1,000 kWh/yr. The PS3 draws 1,300 kWh/yr. According to EnergyStar, these values drop dramatically when users routinely turn the device off after use, lowering annual energy levels down to 110 and 120 kWh/yr, respectively. Since it costs about 12 cents per kWh/yr in the average residential home in the U.S., it costs $120 if to leave your Xbox plugged in for the entire year.

To lower these costs, unplug the devices when you are not playing and only resort to stand-by mode as, well, a stand-by. Energy Star estimates that stand-by power accounts for more than 100 billion kilowatt hours (kWh) of annual U.S. electricity consumption, and $11 billion in annual energy costs.

Source: finance.yahoo.com
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PostSubject: Re: Ramdom News Atricles   Ramdom News Atricles - Page 3 Icon_minitimeThu Dec 16, 2010 8:15 am

Quote :
10 Things Party Guests Won't Tell You.
by Woman's Day, on Wed Dec 8, 2010 7:52am PST

By Amanda Greene

The holidays are here, and chances are you have your fair share of parties to attend. You know the rules: Bring a bottle of wine and follow up with a thank-you note. But what if you're the one throwing the bash? We talked to partygoers from around the country and found out what they have to say about hosting dos and don'ts. If you're planning to open up your home this season, read on to learn everything your guests are too polite to tell you.

1. Put some thought into the food you serve—and how you serve it.
Any holiday party guest will appreciate being served a full meal, but if there's nowhere to sit and eat, it can be more trouble than it's worth. If you're planning to serve a buffet meal, your party guests need enough surfaces to eat on. "How can you cut meat without putting down your plate?!" asks Doug from Atlanta. Maghan from Gainesville, Florida, seconds that: "Not planning the wineglass-plate-fork scenario makes it awkward for everyone. Either have plenty of seating and wineglass surfaces, or commit wholeheartedly to finger foods."

2. Be upfront about the guest list.
"I find it annoying when people hide the guest list on Evites," says Agnes* from New York City. "I want to find out if I'm going to know people there or if I should bring a friend." She also wishes hosts understood that it's helpful for guests to know the size of the party, which influences whether they plan to drop by, be on time or arrange to travel with friends.

3. Make sure there's enough room for everyone to mingle.
You don't have to have a huge house to create a welcoming atmosphere—you just have to be smart about how you set up the party. "An overcrowded [food] display is a real turnoff," says Brynn from New York City. She wishes hosts would avoid a stampede at the appetizer table by creating separate areas for the drink and food stations as well as remembering to leave trash receptacles in clear view.

4. Make an effort!
"If you don’t care to make things festive, then don’t bother throwing a party," says Brynn. "The holidays are special, and should be treated that way." She wishes every host would encourage guests to dress up, throw on seasonal tunes and decorate the house. According to Maghan, a hostess should remember that lighting is crucial for setting the mood and creating a party atmosphere: "Bad overhead lighting is such a mood-killer! If it's at night, well-placed lighting is invaluable."

Decorate your home for the holidays in just 5 minutes with these simple crafts.

5. Don't forget about the bathroom.
Partygoers have serious gripes about the state of the restrooms at holiday bashes. Marie* from New York City says, "Cleaning your bathroom is just as important as making the perfect cheese plate or holiday punch. Nothing will tarnish my impression faster than a bathroom straight out of a gas station with empty toilet paper rolls to boot." Leslie* from Chicago also stresses the importance of keeping the bathroom stocked with toilet paper: "Don't make your guests have to come out and awkwardly ask for more."

6. Don't try too hard.
Organized party games and icebreakers are fine in theory, but unless your gang is gung-ho about playing, they just end up making people feel uncomfortable. "Forced party games are a clear sign of desperation. If guests can't simply enjoy each other's company, you should maybe reconsider your friends," says Allie from Seattle.

7. Make it clear whether kids are welcome or not.
Agnes remembers one party she attended where a couple arrived with a newborn baby and the woman proceeded to breastfeed in the middle of the room. "That might be fine if everyone else has babies or kids in tow, but in a room full of 23-year–olds, it was very odd," she says. To play it safe, specify "adults only" or "kids welcome" on the invitation.

8. Keep Fido and Fluffy out of sight.
For an allergic guest, a surprise four-legged partygoer can ruin the night. Consider keeping pets in another room or having someone watch them for the night. Even if none of your friends is allergic, there's no guarantee they'll love your furry friends as much as you do. Maghan puts it this way: "Your dog is not that adorable. The slobber and scrapes [guests will be subject to] aren't cute at all."

9. Don't be a neat freak.
Parties get messy. No matter how hard hosts may try to prevent it, people will spill their drinks or leave a ring on the coffee table. "I hate being told that red wine won't be served because the hostess doesn't want stains anywhere," says Brooke from Los Angeles. "If you're that uptight, don't have a party!" Brynn dislikes having to take off her shoes before entering a party. "Nobody likes walking around in someone else’s house barefoot or in just stockings. If the tenants downstairs will throw a fit over too much clicking and clacking, then perhaps you shouldn’t be having a party. If it’s your white rugs you’re worried about, maybe you can splurge on a few area rugs for the occasion."

10. If you can't afford a party, don't have one.
Chances are your guests will bring a hostess gift to your shindig—and you really shouldn't ask for anything beyond that. Luba from Atlanta hates when hosts ask her to bring specific items to their party or request donations to cover the party costs. Isabel from San Francisco recalls a particularly uncomfortable situation in which a host asked for financial contributions the day after her party. "It's tacky to invite people over for a party and send a follow-up email the next day asking each guest to contribute cash commensurate with how much they ate or drank. Just ask us to bring over some wine instead."

*Names have been changed.

Source: shine.yahoo.com
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PostSubject: Re: Ramdom News Atricles   Ramdom News Atricles - Page 3 Icon_minitimeSun Dec 26, 2010 1:51 pm

Quote :
Your End-of-the-Year Tax Checklist for 2010
by Robert D. Flach, MainStreet
Wednesday, December 22, 2010


The average person avoids thinking about taxes until the April deadline approaches, when it's too late to make changes that can cut your bill.

As 2010 draws to a close it's not too late to take steps to decrease the amount you'll owe the Internal Revenue Service. Here are some tax-planning moves to consider now:

More from MainStreet.com:

1. Prepare a Preliminary Tax Return

Using your 2009 return as a guide, prepare a projected Form 1040. Start by estimating your adjusted gross income for 2010 and your allowable deductions. Determine if you will be able to itemize your deductions — do your eligible expenses exceed the standard deduction for your filing status? Lastly, figure out the tax bracket you'll likely fall into for 2010.

The standard deduction for married people filing jointly remains at $11,400 for 2010. The standard deduction for singles and married people filing separately is $5,700, and the amount for the head of a household increases to $8,400. The personal exemption is again $3,650.

[See Prepare and Penalty-Proof Your Tax Return]

2. Consider Postponing Your Income and Boosting Deductions

If you expect to be in the same tax bracket next year, or a lower one, try to put off collecting income until 2011 and rack up as many eligible deductions now instead of waiting until after the New Year. You'll have more expenses to deduct this year and less income to tax at the same or higher rate.

If your income is likely to increase next year and push you into a higher bracket, do the reverse and try to collect as much of your taxable income as possible in 2010 and postpone deductible expenses until 2011. Income received in 2010 will be taxed at a lower rate and deductions claimed in 2011 will provide greater tax savings.

3. Size Up Your Itemized Deductions

It doesn't pay to itemize your deductions unless the total exceeds the standard deduction for your filing status. If you think you'll be able to itemize your deductions on your 2010 Form 1040, try to incur as many deductible expenses as possible this year.

If you won't be able to itemize, postpone any payments that could be deductible until 2011. By deferring these expenses, you'll have more deductions to claim next year.

4. Pay Medical Bills Now

The timing of itemized deductions is especially important when it comes to medical expenses. You can deduct medical expenses only if they exceed 7.5% of your adjusted gross income. If your income totals $70,000 for 2010, you can't deduct the first $5,250 of your medical expenses. If your costs total $6,000, you can claim $750.

In this scenario, if your medical expenses are more than $5,250 and you have enough deductions to itemize, pay your outstanding medical bills before 2011 begins. If your medical expenses are less than $5,250, put off paying any medical bills until 2011.

[See Under the Knife: Cutting Medical Bills]

5. Use Your Credit Card

If you don't have the cash to pay for deductible expenses, consider using a credit card to pay for the items so you can get the deduction for 2010. Eligible expenses charged to bank-issued credit cards are deductible in the year charged, not the year you actually pay it.

However, it's a different story for store-issued cards. If you use a store-sponsored card to buy deductible items at a department store, such as Macy's or Sears, the expenses can't be deducted until the actual charge is paid. So stick to bank cards for end-of-year purchases.

6. Review Your Investments

Look at the investments (including real estate) you sold this year and add up your gains and losses. Separate the totals for your short-term positions (owned for one year or less) and long-term holdings (more than one year). Gains and losses from the sale of inherited property are always considered long-term. Capital-gains distributions received from mutual funds are also classified as long-term.

Do a similar calculation for unrealized "paper" gains and losses for investments you still hold. Consider selling losing investments before the year ends to wipe out any taxable gains. Consider unloading holdings at a profit if your losses exceed the $3,000 maximum current deduction.

7. Consider Mutual Fund Dividends (If Not This Year, Then Next Year)

The law requires mutual funds to distribute net gains from security sales to their shareholders. During the fourth quarter, fund managers calculate their net gains for the year and distribute it through dividends to shareholders. The shareholders will pay federal and state income taxes at the special capital gain rates on these distributions. After a distribution is made, the value of the fund's shares drops.

If you buy shares of a fund for $10,000 on Dec. 1 and the fund issues a $1,000 capital gain dividend on Dec. 15, your shares will be worth $9,000 on Dec. 16. You had no real gain or income, but you must pay tax on the $1,000 distribution.

If you want to purchase fund shares during the final months of the year, wait until after the distribution is issued and the fund's value drops. It might be too late for you to address your mutual fund dividends this year, but it's something to keep in mind for next year.

8. Don't Forget the Alternative Minimum Tax

While these strategies may reduce your "regular" taxes, they may backfire if you're subject to the dreaded Alternative Minimum Tax (AMT).

For those who qualify for the AMT, medical expenses are only deductible if they exceed 10% (not 7.5%) of your adjusted gross income. Taxes, investment and job-related expenses aren't deductible at all. If you usually pay the "regular" tax but anticipate having to pay the AMT for 2010, consider postponing any potentially deductible expenses until 2011, when you may not be subject to the AMT.

The AMT rates are 26% or 28%. If for 2010 you are in the 28% or higher bracket for "regular" taxes and you will pay AMT at the 26% rate, you may want to claim as collect income as possible 2010. The additional income will be taxed at 26%.

[See the New Tax Deal: What's in It for You?]

Final Thoughts

As you consider these tax planning tips, keep in mind that certain strategies will help some people more than others. It is a good idea to discuss your year-end plans with your accountant before taking action.

And remember: Your first criteria for evaluating any financial transaction should always be economic — taxes are second.

Source: finance.yahoo.com
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PostSubject: Re: Ramdom News Atricles   Ramdom News Atricles - Page 3 Icon_minitimeWed Dec 29, 2010 6:07 pm

Quote :
11 Ways to Hurt Your Career
by Megan Malugani, Monster Contributing Writer

While most career advice focuses on how to succeed, we can all learn valuable lessons by dissecting career failure as well. Workplace experts offer insights into some of the top ways workers undermine their own careers and jeopardize their career development.

1. Not Taking Your Education Seriously
If you party too much in college and end up with a run-of-the-mill 2.5 GPA, you'll be passed over for the best entry-level jobs, says New York City-based executive recruiter and coach Brian Drum, of Drum Associates. Not finishing your master's degree is another way to hurt your career-development goals, adds Anne Angerman, a career coach with Denver-based Career Matters.

2. Not Having a Plan
In the current poor job market, you may have defaulted into a career you aren't crazy about. That's OK, as long as you develop career plans to get where you want to be. "Think of every job you take as a stepping-stone to your next job," Drum advises.

3. Lying
You'll lose professional credibility in a hurry if you lie, from exaggerating on your resume to getting caught fibbing on Facebook. "If someone calls in sick to work and then that evening posts a photo on Facebook of their extra day vacationing in Cabo San Lucas, that's a big problem," says corporate etiquette specialist Diane Gottsman of the Protocol School of Texas in San Antonio.

4. Sullying Your Reputation on Facebook or Twitter
Social media can harm your reputation in other ways, too. Personal posts and tweets from work--when you're supposed to be doing your job--can tag you as a slacker. And the content of your posts or tweets can come back to haunt you as well--you never know who might stumble upon those bachelor-party photos. "You need to assume that every boss and potential employer knows how to use Facebook, Twitter, and MySpace, and post from the standpoint that everyone is watching--even if in reality they're not," Gottsman says.

5. Not Respecting Professional Boundaries
Sharing TMI about your personal life with colleagues is unprofessional. "Your coworkers don't want to hear about your fights with your husband," Angerman says. On the other hand, if you're ultraprivate and work with a chatty group, join the conversations occasionally so coworkers don't resent you.

6. Gossiping, Slandering, and Excessively Criticizing
If you publicly bash fellow employees, the boss, the board of directors, or even your competitors, you'll be perceived as negative at best and a troublemaker at worst. The ramifications can be broad and long-term, Gottsman says. "Industries are tight," she says. "You don't want to be the one who started that rumor about the head of your industry." As far as bad-mouthing competitors--what if your company merges with a competitor, or you want to work for one someday?

7. Carrying on an Inappropriate Relationship with Your Boss|
Never a good idea, but an especially bad one if your boss is married. "When you get involved in a drama or in something unethical that can be brought out in the open, you're asking for trouble," Gottsman says.

8. Not Controlling Your Alcohol Intake or Libido
Getting drunk at the office party or on a business trip damages your credibility. Ditto a romantic, ahem, "indiscretion" that your colleagues know about.

9. Job-Hopping Just for the Money
Job-hopping--in moderation--may not automatically disqualify you from a position. "But it gets to the point--like if you have seven or eight jobs by the time you're 35--that employers are not going to want to invest in you," Drum says. Also, if you have leadership aspirations, keep in mind that the top dogs of many large corporations have been with those organizations for long periods, he says. Additionally, many companies have "last in, first out" layoff policies, which could leave you out of a job if you never stick around long enough to build tenure anywhere.

10. Losing Touch with References
You'll kick yourself later if you leave a job without collecting personal contact information from colleagues who can serve as professional references for you in the future. "If you were forced to leave a job and you can't ask your boss for a reference, hopefully you've built up some rapport with a colleague and can ask them," Angerman says.

11. Leaving a Job on Bad Terms
Don't become a lame duck when you've got one foot out the door, Drum says. "The employer only remembers about the last five minutes you were there," he says. Give proper notice and don't leave a mess behind. And by all means, do not make a huge dramatic production of it when you quit, complete with cursing, slandering, and throwing things, Gottsman advises. "It's very difficult to get another job when you've left destruction in your wake," she says.

Source: hotjobs.yahoo.com
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PostSubject: Re: Ramdom News Atricles   Ramdom News Atricles - Page 3 Icon_minitimeFri Dec 31, 2010 3:00 pm

Quote :
Wal-Mart stops selling kids CD with profanities
AP, Dec 30, 2010 6:00 pm PST

Christina Wilson was getting her 4-year-old son up from a nap and bringing him in to listen to a compact disc his grandparents had given him for Christmas when her husband stopped her — he thought he heard something inappropriate.

Then Wilson listened to the "Kids Favorites" CD out of her son Caiden's earshot and heard the profanity.

"It was a shock," she said.


Wilson said that on Tuesday she contacted the Wal-Mart store in South Bend where her in-laws had bought the CD to let them know about the lyrics. Wal-Mart Stores Inc. spokeswoman Melissa Hill said the company had already started pulling the CDs from its shelves nationwide on Monday after a supplier notified it about a problem with the CD.

"When we learned of a CD that could appeal to children included songs with profanity, we took immediate action to begin removing the product from our store shelves," Hill said. "We are working with our supplier to investigate this matter further."

She did not immediately know how many CDs were being pulled from stores nationwide. She said customers who bought the CD can return it to any Wal-Mart for a refund.

The CD cover shows four smiling young children surrounded by balloons looking up at the camera. On the back it reads: "Your kids will love these versions of today's biggest hits, reinterpreted especially for them." The CD contains versions of some well-known songs, including "Pump It," originally recorded by the Black Eyed Peas, "Ugly," originally recorded by Bubba Sparxxx and ""Stickwitu," originally recorded by The Pussycat Dolls.

Wilson said she assumed the children pictured on the CD would be singing, but the voices on the recording belong to adults. At least two of the songs contain profanities and others aren't suitable for children, she said.

"I don't think they are children-appropriate even if they were edited because of what they're singing about, just the way they referred to women and things," she said.

Wilson said although her son never listened to the CD, the incident will make her more vigilant.

"We never had to preview his CDs before, but we probably will from now on," she said.

Source: new.music.yahoo.com
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Quote :
8 Tricks for Boosting Your Metabolism
by Woman's Day, on Tue Dec 28, 2010 1:34pm PST

By Danielle Braff

Remember how, during your teens and 20s, you could eat practically anything and not gain a pound? Now that you're hovering around middle age, you've probably found that's just not the case anymore. Part of the problem is that your metabolism decreases as a result of other age-related factors, like decrease in muscle mass. However, there's no need to give in to a bigger pant size just yet! Read on for eight ways to rev up your metabolism and keep those unwanted pounds from your waistline.

Do Intervals
Mixing in fast-paced intervals raises your metabolic rate higher than doing a steady cardio workout, and will continue to do so up to an hour after you’re done, says Kristin McGee, a trainer and Pilates instructor whose client list includes Tina Fey and Bethenny Frankel. An Australian study also found that women who did intervals while they were biking lost three times as much fat as those who worked out at a steady pace. If you’re a walker, simply walk at your normal pace for 1 to 2 minutes, then speed-walk for 30 to 60 seconds. Repeat the sequence 10 to 15 times.

Opt for Caffeine
It’s time to hit Starbucks. A study published in the journal Physiology & Behavior shows that coffee drinkers have a 16 percent higher metabolic rate than those who abstain or drink decaf joe, because caffeine increases your heart rate and stimulates your central nervous system. Spread out the cups over your entire day to keep your metabolism running at a boosted rate—just be sure to have your last cup by early afternoon so you can hit the pillow with no problems later on.
Discover 9 fun facts about Starbucks, the world’s largest coffee chain.

Add Some Ice
Though the increase is modest, there is some evidence that drinking cold water can cause a slight surge in metabolic rate. Since your body maintains a core temperature around 98.6°F, cold water will be brought to that temperature after being consumed and calories are burned during the warming process. Discovery Health deduced that you can burn up to 70 extra calories a day if you follow the common rule of drinking eight 8-ounce glasses of cold water per day. Need another reason to up your water intake? Researchers at the University of Utah found that participants who drank half of the recommended amount of water per day (four 8-ounce glasses), not only showed signs of dehydration, they also experienced a 2% decrease in calories burned per day.

Eat a Big Breakfast
It’s time to nix the oatmeal with skim milk. Instead, start your day with a fatty breakfast, including eggs and even a piece of bacon, suggests Molly Bray, PhD, lead author of a recent study showing that a fat-filled morning meal will jumpstart your metabolism for the day faster than a lowfat, low-calorie breakfast. Another study published in the American Journal of Epidemiology found that people who eat 22 to 55 percent of their total calories at breakfast gain 1.7 pounds over four years. That’s not bad considering those who eat 0 to 11 percent of their calories in the morning gain nearly 3 pounds.

Drink Green Tea
Not only does green tea contain enough antioxidants to keep colds and the flu at bay, but it also does wonders for your metabolism, according to a study published in the journal Phytomedicine. Researchers found that people who drank the equivalent of three to five cups daily for three months shaved 5 percent off their body weight. Green tea contains ECGC, a plant compound that stimulates your metabolism, says Rania Batayneh, MPH, a nutritionist in private practice in San Francisco and Portland, Oregon, and founder of Essential Nutrition consulting.

Don't Skimp on Dairy
Calcium-rich foods and drinks, including milk, yogurt and cheese, increase the rate at which fat turns into waste, says a study by researchers at the University of Copenhagen published in the The Journal of Nutrition. It doesn’t matter what form of dairy product you’re consuming as long as the serving size is adequate (keep it lowfat!)—either a full glass of lowfat milk or 6 ounces of yogurt is perfect. Also, the study noted that you have to actually ingest the calcium in its natural form; supplements don’t work due to differences in the chemical makeup.

Build More Muscle
Gaining lean muscle mass boosts your metabolism and makes losing weight much easier, McGee says. If you add just 5 pounds of muscle to your body, you’ll burn up to 150 more calories per day without even working out those muscles. And, you can burn an average of 600 calories per hour during your cardio workout thanks to that extra muscle mass. “Muscle burns more calories than fat does, even at rest, so any strength-training activities to build lean muscle are excellent,” McGee says. The key is to challenge all your muscles and do a full-body strength-training workout, hitting your core, arms, legs, back and chest.

Pick Up Heavier Weights
By using heavy weights at a very slow rate—twice as slow as would feel natural—you break down your muscles (you’ll know the weights are heavy enough and the workout slow enough if you start to shake after just a few lifts or squats). Researchers at Wayne State University found that when your body repairs those overworked muscles, it causes your metabolism to increase for up to three days after the workout.

Original article appeared on WomansDay.com

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Quote :
10 Foods That Can Help You Sleep
by Woman's Day, on Tue Dec 28, 2010 1:42pm PST

By Sarah Jio

Trying to get more shut-eye? Take a look at your diet. Eating the right foods in the hours before you hit the hay may help you fall asleep faster, say experts, and even improve the quality of your sleep. Keep reading for your get-sleepy grocery list, and remember to stop noshing two hours before bedtime to give your body enough time to properly digest.

Almonds

“Almonds are a winner,” says Jacob Teitelbaum, MD, medical director of the Fibromyalgia and Fatigue Centers, and author of the bestselling book From Fatigued to Fantastic! “They contain magnesium which promotes both sleep and muscle relaxation,” he says. “And they have the added benefit of supplying proteins that can help maintain a stable blood sugar level while sleeping, and help promote sleep by switching you from your alert adrenaline cycle to your rest-and-digest cycle.” Try this bedtime snack: Have a tablespoon of almond butter or a 1-ounce portion of almonds to help your body relax. Photo: Shutterstock

Tea

Yes, avoiding all caffeine in the evening hours is key, but some decaf varieties can help get you into sleep mode, says Dr. Teitelbaum. “Chamomile tea is a very helpful and safe sleep aid,” he says, adding that green tea is another good choice. “Green tea contains theanine, which helps promote sleep. Just be sure you get a decaf green tea if drinking it at bedtime.” Experts recommend trying a 1-cup serving of the hot stuff. Photo: Thinkstock

Find out 9 surprising facts about your dreams and what they mean.

Banana

Worried about falling asleep tonight? Have a banana before bed, says Saundra Dalton-Smith, MD, an internist and the author of Set Free to Live Free: Breaking Through the 7 Lies Women Tell Themselves. “Bananas are an excellent source of magnesium and potassium, which help to relax overstressed muscles. They also contain tryptophan, which convert to serotonin and melatonin, the brain’s key calming hormones." Try this tasty and incredibly simple bedtime smoothie: Blend one banana with one cup of milk or soy milk (and ice, if desired). Pour and enjoy! Photo: Shutterstock


Dairy

Yogurt, milk and cheese do contain tryptophan, notes Dr. Dalton-Smith, but also have a surprising sleep-inducing nutrient: “Calcium is effective in stress reduction and stabilization of nerve fibers, including those in the brain." That means a serving of your favorite Greek yogurt before bed can not only help you sleep, but also help you stop worrying about the weird thing your boss said earlier at work. Photo: Thinkstock

Oatmeal

You eat it for breakfast, but could a bowl of warm oatmeal help you get more rest? Yes, says Stephan Dorlandt, a clinical nutritionist based in Southern California. “Think about it,” he says. “Oatmeal is warm,soft, soothing, easy to prepare, inexpensive and nourishing. It’s rich in calcium, magnesium, phosphorus, silicon and potassium—the who's who of nutrients known to support sleep.” But go easy on the sweeteners; too much sugar before bed can have an anti-calming effect. Instead, consider topping your bowl with fruit, like bananas (see above). Photo: Shutterstock

Hard-Cooked Egg

If you have trouble staying asleep at night, it may be because you didn’t eat a pre-bedtime snack high in protein, or perhaps your snack was too high in simple, high-sugar carbohydrates, like cake and candy. “The problem with simple carbs is that they can put you on a ‘sugar roller coaster’ and drop your blood sugar while you're sleeping, causing you to wake at 2 or 3 in the morning,” says Dr. Teitelbaum. A better bet? “Eat an egg, cheese, nuts or other protein-rich snack instead,” he says, “so you can not only fall asleep, but stay asleep.” Photo: Shutterstock

Edamame

Craving a salty snack before bed? Turn to lightly salted edamame, says Dr. Dalton-Smith—especially if you’re dealing with menopause-related symptoms. “The natural estrogen-like compounds found in soy-based products can be very beneficial in controlling those nighttime hot flashes that can disturb your sleep,” she says. If it’s crackers and dip you’re craving, try making this easy edamame recipe: In a food processor, blend together 2 cups of shelled, cooked edamame with 1 tsp salt, a drizzle of olive oil and 1 clove garlic (optional) until smooth. Photo: Thinkstock

Cherries

Oddly, a glass of cherry juice may be an effective way to fall asleep faster, says a team of researchers from the University of Pennsylvania and University of Rochester. In their study, they found that cherries, particularly tart cherries, naturally boosted the body’s supply of melatonin, which helped people with insomnia. While the jury is still out on how much juice or how many cherries are needed to make you sleepy, experts say sipping a glass of cherry juice (available at most natural foods stores) or having a serving of fresh, frozen or dried cherries before bedtime couldn’t hurt. Photo: Thinkstock

Cereal

There’s no need to feel guilty about having a small bowl of cereal before bed, especially if it’s a low-sugar, whole-grain cereal. Not only is it a healthy snack (make sure you top it with milk to give your body the protein it needs), but it may also help you snooze. “Complex carbohydrate–rich foods increase the availability of tryptophan in the bloodstream, increasing the sleep-inducing effects,” says Dr. Dalton-Smith. Bonus: Top your bowl with a sprinkling of dried cherries (see above) for extra help catching your zzz's. Photo: Thinkstock

Original article appeared on WomansDay.com.
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Written by a 90 year old

Written by Regina Brett, 90 years old,
of the Plain Dealer, Cleveland, Ohio .

"To celebrate growing older, I
once wrote the 45 lessons life
taught me. It is the most requested
column I've ever written.

My odometer rolled over to 90 in
August, so here is the column once more:

1. Life isn't fair, but it's still good.

2.. When in doubt, just take
the next small step.

3. Life is too short enjoy it.

4. Your job won't take care
of you when you are sick.
Your friends and family will.

5. Pay off your credit
cards every month.

6. You don't have to win every
argument. Stay true to yourself.

7. Cry with someone. It's more
healing than crying alone.

8. It's OK to get angry
with God. He can take it.

9. Save for retirement starting
with your first paycheck.

10. When it comes to chocolate,
resistance is futile.

11. Make peace with your past so
it won't screw up the future.

12. It's OK to let your
children see you cry.

13. Don't compare your life to others. You have no idea what their journey is all about.

14. If a relationship has to be a secret, you shouldn't be in it.

15. Everything can change in the blink of an eye, but don't worry, God never blinks.

16. Take a deep breath. It calms the mind.

17. Get rid of anything that isn't useful. Clutter weighs you down in many ways.

18. Whatever doesn't kill you really does make you stronger.

19. It's never too late to be happy. But it’s all up to you and no one else.

20. When it comes to going after what you love in life, don't take no for an answer.

21. Burn the candles, use the nice sheets, wear the fancy lingerie. Don't save it for a special occasion. Today is special.

22. Over prepare, then go with the flow.

23. Be eccentric now. Don't wait for old age to wear purple.

24. The most important sex organ is the brain.

25. No one is in charge of your happiness but you.

26. Frame every so-called disaster with these words 'In five years, will this matter?'

27. Always choose life.

28. Forgive

29. What other people think of you is none of your business.

30. Time heals almost everything. Give time.

31. However good or bad a situation is, it will change.

32. Don't take yourself so seriously. No one else does.

33. Believe in miracles.

34 God loves you because of who God is, not because of anything you did or didn't do.

35. Don't audit life. Show up and make the most of it now.

36. Growing old beats the alternative of dying young.

37. Your children get only one childhood.

38. All that truly matters in the end is that you loved.

39. Get outside every day. Miracles are waiting everywhere.

40. If we all threw our problems in a pile and saw everyone else's, we'd grab ours back.

41. Envy is a waste of time. Accept what you already have, not what you need

42. The best is yet to come.

43. No matter how you feel, get up, dress up and show up.

44. Yield.

45. Life isn't tied with a bow, but it's still a
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