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Baby Bumps..Puhleeeeze!

Baby BumpI think it is official, the paparazzi’s obsession with baby bumps has reached critical mass. In the matter of one day, I saw two magazine covers that mentioned “baby bumps”, one separate magazine that had a 3 page spread on baby bumps. Not to mention while channel surfing, I heard the term “baby bump” twice.

I am so glad that I am not famous, a girl can’t be merely bloated without being accused of having a baby bump. Take Britney Spears, yes, she had two children close in age, but if every reported “baby bump” sighting of hers were to come true…she’d have 37 kids by now.

What’s even funnier to me is the lengths reporters will go to in order to “validate” the baby bump. I’ve seen quotes in magazines from friends and relatives of various star stating that the person is not pregnant yet. Apparently the celebrity themselves stating that they aren’t expecting yet isn’t good enough.

This may be a true sign that everyone is running out of things to report about…now we are focused on a four-inch wide portion of midsection, examining and comparing different photos at different angles and even going as far as to try to guess the age of the baby bump, 3, 4, 5 months? Sometimes, it really is just bloating from salt intake – it’s called french fries people – and yes, even starts partake once in awhile.

What Do I Do if My Debt Payments Are Higher Than My Income?

BillsBy Cindy Morus, Creator of the Pay Debt Quickly System

Question: I don’t know how to pay off my debt. My debts are more than the money I earn each month. What can I do?

Answer: That’s a tough spot to be in. Let’s look at the scenario that your debts are higher than your income but you’re still able to make the payments. It sounds like this is really worrying you – maybe that you won’t be able to make the payments soon. So, now is a good time to be asking this question. Since you can make the payments, every month, you’re actually in a good position to be able to eliminate the debt over the next couple of years (perhaps sooner). Here’s what to do…

1. From Minimum Payments to Fixed Payments. Convert all your current minimum payments to fixed payments. That means that if you are paying $55.55 this month, you’ll pay that every single month until the debt is paid off – no matter what the minimum payment is on your bill.
2. Stop Using Your Credit Cards. There’s no grace period on cards that have a balance so you start paying interest on new charges immediately.
3. Get Clear on Your Debt. List every one of your debts on a piece of paper (you can get my form here) so you know exactly what you’re dealing with. Sometimes it’s worse than you thought and sometimes not so bad but you won’t be able to really know until you see it all in black and white.

Get More Help:

Eliminate your debt and save your money using the Pay Debt Quickly System. It comes with the software and strategies you need get rid of your debt without making an large payments or making any significant lifestyle changes. Click here to learn more and get started right away.

(For republishing rights to this article, join the affiliate program)

Breastfeeding During The Holidays

If you are a nursing mom, you’ve probably gotten into a comfortable routine with your baby at home. But add in-laws and other relatives, busy holiday stress, travel and other factors, and you have a recipe for trouble.

Many breastfeeding moms experience challenges during the holiday season, for several reasons. There may be relatives who don’t agree with or respect your parenting choices. Perhaps you’re uncomfortable nursing in public. Or maybe you get so busy that you neglect yourself and end up with mastitis. This can also happen when baby gets too distracted to nurse in their typical pattern.

Here are some tips for breastfeeding around the holidays, including some helpful advice for how to respectfully reply to relatives you try to give you unwanted advice or criticism of your parenting.

Whatever Martha Criticizes Old Martha Stewart Shows

At first I was appalled to see Martha Stewart’s daughter, Alexis Stewart – and her friend Jennifer Koppelman Hutt, ripping Martha to shreds -then realized that Martha is the Executive Producer of the show! You can watch it on the Fine Living Network channel.

The whole show centers around watching old “Martha Stewart Living” episodes and criticizing everything from what Martha is wearing, what she is making, who is on her show, what they are wearing, what they are making, or their reactions to Martha in general.

Alexis seems very snobby…but for some reason that makes what she says so much more hilarious. Her friend Jennifer seems way more down to earth and will blurt out things that the rest of us are thinking…which is always refreshing. Kudos to Martha for seeing the show for what it could be …a moneymaker. I heard about the show from a friend who heard it from another friend.

So word is spreading. It just goes to show, if people are going to say unpleasant things about you (especially celebrities), then you may as well get in on the game as well and turn a profit. Go Martha! I can’t believe I just said that…I don’t even like her stuff – but I do enjoy watching her old episodes and laughing about her inability to make a rice krispie treat the right way.

Find out more at: Fine Living network – Whatever, Martha!

Unschooling, Homeschooling, Eclectic – What does it all mean?

If you’ve considered homeschooling your kids you’ve probably heard some of the above terms referenced on homeschooling message forums and websites.

What exactly is the difference? Does unschooling mean letting kids do whatever they want all day? Does homeschooling mean sitting at a table for 6 hours “doing school”?

I recently interviewed Peggy Webb, the coordinator of a private school in California about the topic. She helped clear up some of the confusion and get to the bottom line of what it means to educate a child.

You can listen to the interview or read a transcript of the discussion here.

Return of Rosie

Is that what that smell was? Rosie O’Donnell is coming back to t.v. What better way to celebrate Thanksgiving than to have the debut of “Rosie’s Variety Show”? It is slated to start the day before Thanksgiving. Originally I heard a rumor that it would be called “Rosie’s Variety Hour”, another name mentioned was “Live with Rosie”….however long NBC gives her – it will be too much for me to handle.

I am generally a fan of live shows and am all for comedy. In Rosie’s case, she has a big mouth full of junk we’ve all already heard and I am confident that if I were to bet on the failure of this new show – I would be cackling my way all the way to the bank as I type this.

I could be proved wrong. If Rosie’s fans are anything like the group of people out there who numbly believed the rantings of other stars over the past year, then they will be easily duped into thinking what she provides is great entertainment.

I do have a moment of nostalgia when it comes to Rosie…does anyone remember the movie Exit to Eden? Rosie had a pretty big role in it and she was actually very funny, much like she use to be funny on her once upon a time hit show The Rosie O’Donnell Show – before she got all crazy and sidetracked.

That is all probably perspective though, some would argue that it wasn’t until that show ended and she joined then left The View, that Rosie really got down to business and “focused” on whatever mission she is on in life.

Either way, it will be interesting to watch the whole thing unfold with the national news channels covering her scary webcam rants along the way. If anyone watches the show, please give feedback of what you thought!

Could it Be? Johnny Depp to Play the Riddler?!

If this rumor is true, I am SOOOO excited! I refuse to be caught up in my husband’s love for sci-fi, comic, and other movies that HE normally watches and I normally avoid. I overheard my husband and cousin watching Batman: The Dark Knight, in the living room and had to keep popping my head in to see what I was hearing in person.

I cannot believe what a great job Heath Ledger did in that role. Still, I shook my head and reminded myself that Batman and other comic book type movies weren’t in the category I normally view. My time is limited and it can’t be wasted on such things, bah, fools. I will admit he’s already got me watching HEROES and LOST (I am a complete addict of both shows) and my current favorite movie is Hancock (No, I am NOT sliding down the slippery slope of sci-fi/comic genre…NOT NOT NOT).

THEN, my dear spouse said that Johnny Depp may play the Riddler in the sequel to the Dark Knight….omg, really!?!? I was squealing like a pig and running (walking fast) laps around the dining room. I am intrigued beyond belief by Johnny Depp both as a person and the many characters that he plays. LOVED him in Willie Wonka and the Chocolate Factory, and of course he’ll always be my favorite pirate ;)

So bottom line, the one person that could change my mind on this whole comic book and sci-fi thing could very well be Mr. Depp himself. My husband would thank him.

References: Johnny Depp to Play the Riddler, Johnny Depp to Play the Riddler

Financial Consequences Of A Husband's Superstition

Couple FinancesSome superstitions are harmless, like knocking on wood, carrying a rabbit’s foot or hoping that if you get on a plane with your right foot that the plane won’t crash. I do this last one myself. Silly, but harmless, unlike other superstitions that are serious and affect other people.

For example, the millions of husbands who are superstitious about estate planning and therefore, refuse to do it. Or do it partway but won’t sign all of the papers. Like Ed, whose wife Cynthia, is held hostage by his superstition.

Ed and Cynthia have been married for 35 years. He’s been a good husband and father and loves her dearly. But he has this quirk – he believes that if he signs the durable powers of attorney papers which are part of their estate plan – God is watching and will decide it’s time for Ed to die.

Because Ed won’t sign the necessary papers, Cynthia won’t be able to act on his behalf if he can’t make medical or financial decisions for himself. His adult children from his first marriage will be making those decisions unless he signs the papers giving Cynthia those powers.

“Ed signed the other estate planning documents, but won’t sign the durable powers of attorney,” she said. “He says he will, but when I remind him that the planning isn’t complete unless he does sign, he accuses me of nagging. He knows it’s not rational, but he says it makes him feel better. Even though I understand it, I feel like a hostage to his superstition.”

Is there any difference between that kind of thinking and not walking under a ladder, wearing garlic around your neck to protect you from vampires or crossing the street when you see a black cat?

When I was researching my book “Don’t Worry About a Thing, Dear”, I discovered in interviews that many men left loose ends in their estate planning and procrastinated about completing the process.

For example, William just kept ‘forgetting’ to fill out the papers to fund the revocable trust he and his wife Lila had set up. Their lawyer explained that, until their financial assets were transferred into the trust, the trust wasn’t considered a legal entity. That meant that if something happened to William, the trust couldn’t provide Lila with the legal or financial authority to act as the trustee.

When I interviewed William, he said he’d been busy, had other things on his mind and just never got around to it. He intended to make the transfers as soon as he had a minute. Yes, the lawyer had offered to take care of it, but he preferred to do it himself.

Meanwhile, Lila’s hands are tied because he doesn’t want her to take care of it either. “My husband’s friend had a fatal heart attack on the tennis court the day after he and his wife signed their living trust,” she said. “You try convincing my husband that the same won’t happen to him.”

Superstition is a powerful, irrational and usually subconscious, belief that keeps many men from taking action to protect their wife in case they die. It presumes a causal relationship between something we do or don’t do and the outcome of some future event.

My husband died 30 days after our estate plan documents were signed. Was there any connection between that and his death? Am I so significant to how the universe works? Of course not.

If only we had that kind of power. If only we were the center of the universe, where what we do matters on a cosmic scale. It’s comforting to think that a higher power is watching and rewarding or punishing, waiting until all the papers are in order and everything is signed before taking us away.

It sounds so simple and silly, but this kind of thinking is real and widespread. Unfortunately, superstition impacts the lives of too many wives whose husbands won’t follow through with the necessary arrangements to protect them.

Please have your husband read this. Legal and financial consequences operate in the real world. Good intentions and drafts of legal documents don’t count. If you’re not protected by signed and witnessed estate plan documents, none of the planning you did with your husband counts.

(c) 2008, Helga Hayse. Reprints welcomed so long as the article and byline are kept intact and all links are made live.

Helga Hayse is author of “Don’t Worry about a Thing, Dear” – Why Women Need Financial Intimacy. She teaches women about participating and understanding their marital finances and speaks to financial planners and estate planners about how to encourage crucial conversation between generations. Take her free financial intimacy quiz and read her frequently updated blog at http://www.financialintimacy.com

Dine Without Whine: Black Friday / Cyber Monday Coupon

Dine Without WhineInstead of battling the crowds to find a deal, why not reduce your stress and create closer family connections with a great Black Friday / Cyber Monday deal? Dine Without Whine is offering a great deal on their menu-planning memberships, but the offer is good only until Monday, Dec. 1, 2008.

Coupon Details:

Valid: Nov 27th – Dec 1st, 2008

Choose from:

1.) 25% Off a 6 or 12 Month Membership
Coupon code: GIVETHANKS

…or…

2.) Lifetime Membership for Only $85 (Save $54.95)
Coupon Code: LIFETIME85

Learn more about Dine Without Whine here.

Naked Naturals: Review

Naked NaturalsSometimes I stray from my normal worship of Nexxus products to other lines of shampoo and conditioners. You never know when you might find that special product you can’t live without.

I recently found “Naked Naturals” which promises to reflect their commitment to formulating hair care products using the most natural ingredients available. I’m all for that. The shampoo and conditioner both have a pleasant smell.

The shampoo lathers up really well and the conditioner feels thick and heavy, yet rinses lightweight and clean (normally a heavy conditioner like that would take some work at rinsing out).

Plastered all over the front of both bottles are the two statements that I believe may set this shampoo/conditioner apart from competitors “no lauryl/no laureth sulfates”

The shampoo also promises no animal testing, no artificial colors or synthetic fragrances (and might I add, it smells wonderful!)

The shampoo claims it makes hair up to 7 times stronger, the conditioner – 3 times stronger. All in all, it is definitely a product I’d be willing to try again. The cost? Less than $10/bottle.

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