1. One Thing at a Time Slow things down a bit. Life is stressful by default. There’s no reason you need to add to natural stress by trying to do a million things at one time. Make a list of what needs to get done and prioritize it. Mark off tasks as you complete them […]

Overview Carbon footprints measure the amount of carbon dioxide produced by activities of daily living. These include direct activities such as burning fuel when driving a car, or using electricity when heating your home. They also include more indirect activities such as eating and sleeping. Both people and organizations have a carbon footprint. Carbon Footprints […]

After a long day of feedings and diaper changes, it’s finally time to put your new bundle of joy down for the night. But there’s just one problem: you’ve been up for almost 20 hours and she just won’t go to sleep. Getting rest with a newborn is sometimes a struggle for new parents, but […]

Water ionizers come in a wide variety of sizes and are used to purify water, eliminating the growing amount of potentially hazardous chemicals that find their way into the drinking supply. Water ionizers work by scavenging for free radicals in the water, helping to prevent damage induced by hydrogen peroxide to our RNA and DNA […]

Overview Hair breakage is usually caused by the overuse of harsh commercial styling products, according to dermatologist Dr. Amy McMichael. Limiting your use of these chemicals is one way to avoid hair breakage and the hair loss that may occur from constant hair breakage. You can use other methods to help people avoid hair breakage […]

Overview Credit reporting agencies sometimes make mistakes on consumer credit reports. The Federal Trade Commission estimates that 16 percent of credit reports have errors. Some of these involve listing on-time payments as late. This can adversely affect your FICO credit score firm because your payment history accounts for 25 percent of your total score. The […]

Overview A credit report details your running history of credit usage, documenting late payments, outstanding balances and any recent credit inquiries. Some delinquencies, such as bankruptcy, may last up to 10 years, but most negative information may be removed after seven years, according to research by the Credit Info Center. By disputing errors, avoiding late […]

1. Frequent Sex Can Make You Healthier Safe sex, especially with a committed and loving partner, can bring medical health benefits. It can provide a healthy dose of exercise. The bed can actually be a good exercise machine and vigorous sexual activity can burn 200 calories. Sex can contribute to improved fitness. Studies show men […]

Overview It is easy to run up a significant amount of debt if you have easy access to credit. You may get loans and credit cards without realizing just how much you owe until you start to have problems making your minimum payments. That is a danger sign telling you it’s time to start paying […]

Overview A credit score calculates your financial and lending history. Scores are based, in part, on outstanding debt and whether you pay your bills on time. You can access free tools to determine your score, and getting your credit report will give you the information needed to estimate your score as accurately as possible. Step […]

1. Choose a Bank You may think choosing a bank sounds easy enough, but there are several things for you to consider. Location and services offered are two of the most important: You may want a bank located close to your house, or you may be willing to drive further to a bank that has […]

Overview A credit score is assigned to you based on the information found on your credit report. A low score can indicate that you have a history of late payments, defaulted accounts or have yet to establish your credit. When you have a low credit score, you may find yourself being denied new loans or […]

Overview Annually, you are allowed to get a free copy of your credit report from each major credit reporting agency, Equifax, Experian, and TransUnion. You can access these reports from the Federal Trade Commission sponsored website, When reviewing your reports, you may notice duplicate information reported. You should have the duplicated item removed, especially […]

1. Don’t Cheat Yourself Kids learn more from observing your actions than they do from what you say. If you teach your kids not to cheat at school, but then talk about getting paid for hours you didn’t work, increasing your tax refund by questionable methods or bringing office supplies home from work, you are […]

Overview Inquiries appear on your credit report when a company checks your file to see if you are eligible for credit. Multiple credit inquiries can damage your credit score, thus making it difficult to obtain approval for credit lines or loans. Inquiries can indicate to lenders that you may be in financial trouble and are […]

1. Write Down All of Your Goals One of the best ways to make sure you accomplish all of your goals is to commit them to paper as specifically as possible. Writing down goals is a way to transform them from abstract thoughts to concrete goals. For example, many people have a goal of losing […]

1. More Common Than You Think Experts estimate that nearly 60 percent of women experience pain from intercourse or dyspareunia. Genital pain that is experienced before, during and/or after sexual intercourse that causes personal distress is considered dyspareunia. However, the levels of pain as well as the location will vary greatly from woman to woman. […]

1. Study Your Money First, you need to gain an understanding of your income and expenses throughout the year. Gather your bank records, credit card statements and receipts from cash purchases for the last 3 months. Create a spreadsheet with columns for income, housing, entertainment, food, hobbies, debt and miscellaneous for your personal spending. Record […]

Overview Many people experience a wealth of emotions, such as anger, fear and sadness, when they face the end of a marriage. Most know when the marriage is over and often have a general idea of whether they will receive paperwork petitioning for divorce. Refusing to accept the divorce and the end of the marriage […]

1. Consider the Pyramid The USDA wants to make it easier to plan meals for a family by sharing an interactive tool that helps cooks focus on nutrient dense foods that should form the basis of every meal. The focus of this tool is the food pyramid, a visual guide to eating the right amount […]

Buying a new bicycle is just the first step to getting outfitted for riding. There are several accessories available, from clothing and bags to lighting, locks and even cycling computers. These items can help to make for a more enjoyable, efficient and safer riding experience. Select accessories that accommodate the style of riding you are […]

Credit Report If you have ever applied for and received a student loan for your education, that information is regularly posted to your credit report. Your credit report contains important financial information about you, such as credit cards, loans, payment history and public financial records. Each month the company or organization you received your student […]

As a parent, you’re responsible for the physical, mental and emotional development of your child. It’s a lot of pressure, and you’re likely to wonder whether you’re doing everything right. There are very few solid rules, an abundance of contradictory expert advice, and parents, being human, make mistakes. Additionally, as the Royal College of Psychiatrists […]

Introduction When jobs are lost, economic hardships occur, or financial situations change, sometimes paying a mortgage payment can be difficult. Unfortunately, many people in this position end up in foreclosure due to inability to pay their mortgage. To avoid foreclosure, lenders may offer a loan modification. According to the U.S. Department of Housing and Urban […]

Overview Health insurance is a cornerstone of financial planning and risk management for your family. Finding a comprehensive plan at an affordable cost can be a challenge, and you may even be tempted to go without coverage if you feel reasonably healthy. But the effort and cost are worthwhile if you ever find yourself in […]

Overview Credit inquiries appear on your credit report after a company looks at your file to determine whether to extend you credit. Too many inquiries can adversely affect your credit score. You may find unauthorized credit inquiries on your credit report. For example, a creditor may have checked your report without your consent to see […]

In 2009, 618 million people spent time in the air. Many of those fliers were children, as anyone who has ever sat in front of one kicking the seat from east to west coast can tell you. Occupying toddlers can be a daunting experience, but airlines help as much as they can. Airlines will listen […]

Every social and business interaction revolves around communication, whether you are involved in a discussion with your partner or conversing with your boss at work. Effective communication is a way of expressing one’s needs and desires without the use of manipulation or lying; it consists of both verbal and nonverbal forms of communication. Say What […]

Overview Consumers may have good reason to worry about errors in their credit reports. According to a 2004 U.S. Public Interest Research Group survey, 25 percent of reports contained errors that were serious enough to cause consumers to be denied credit, and 79 percent contained mistakes of some other kind. The Fair and Accurate Credit […]

1. Investigate Career Assessment Tools Although you may have an idea about what you want to explore career-wise, you might be surprised to learn you’re not suited for your dream job at all. Rather than finding this out the hard way and being forced to make another career switch, you can undergo a career assessment […]