Business

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Getting the Right Small Business Credit Cards

Protecting yourself from wasting the money will be your priority when choosing the small business credit card. Therefore, you need to compare various different options available. Otherwise, your business might …

Fashion

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New Dooney Bourke Tartan Women’s Designer Handbag Collection

Dooney Bourke captures this season’s hottest trend in a magnificent designer handbag collection perfect for fall. The New Dooney Bourke Tartan Women’s Designer Handbag Collection features rich colors, stylish designs, …

How to Achieve the Perfect Tan with Bronzing Powder

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Earn Up to 12 College Credits by Taking the CLEP Foreign Language Exam

Many college students look for various ways to save money on their tuition costs. Non-traditional options such as credit by exam, can provide students with a large amount of credit …

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How to Achieve the Perfect Tan with Bronzing Powder

Despite the fact that sunbathing and using tanning beds is damaging to the skin, having a glowy, tanned face is something many of us still want to achieve. Using tanning lotions is a great alternative to exposing our skin to harmful UVA/UVB rays, but they can also be smelly, feel sticky or not be the best option for those of us with more sensitive skin types. If tanning lotions are not for you, then perhaps using a facial bronzing powder is the answer, and when applied properly bronzing powder can give you a fresh, straight-off-the beach look in minutes.

In order to achieve a healthy, tanned glow that looks completely natural with a bronzing powder, there are a few things you need to know and do. First of all decide what shade of bronzer works best for your skin tone. Normally, a bronzer that is a couple of shades darker than your natural skin tone is best. If you go too dark, you run the risk of looking unnatural. If you have a more pale complexion a pink shade of bronze is optimal, for slightly darker or olive toned skin orange based hues are best. The brand of bronzer you chose is entirely up to you, although many of the new mineral based cosmetic companies make bronzers that go on lightly and tend to look more natural with less effort.

Choosing the right brush for your bronzer is essential as well. You want to buy a brush that is round, large and has soft, pliable bristles. Using a smaller brush will make it harder to apply the bronzing powder which can leave you looking splotchy rather than tanned. In order to maintain the integrity of your bronzer’s color, you want to keep your brush clean and avoid using it for other cosmetics such as blush or face powder. The leftover blush or powder will change the color of your bronzer when you apply it, which, in turn, can leave you with an unnatural look.

Once you have the right shade of bronzer and a brush the next step is to apply the bronzer. You want to lightly run the brush across the bronzer and tap off any excess powder. Then asses your face and think of where the sun would naturally hit it if you were outdoors. Normally the areas that the sun tends to settle on are your forehead, cheekbones, nose and chin. Using long, gentle strokes apply the bronzer across the top of your forehead, the bridge of your nose, along your cheekbones and genty tap some on your chin. If you want to darken the look of your tan, repeat the steps above until you have achieved the desired shade. Keep in mind that you want to look as natural as possible, so less is definitely more when it comes to applying bronzing powder.

If you will be wearing an off the shoulder blouse, low cut top or sleeveless shirt, you can also apply some bronzer to your collarbones and decollete, as well as to the tops of your shoulders. This will give you a nice, even, sun-kissed look.

Achieving that Tahitian goddess look we all covet no longer has be done in a tanning salon or under the sun, nor do we need to cover our faces with often uncomfortable feeling tanning lotions. We can keep our skin clean, as well as protected from damaging and aging rays and still have a healthy looking glow with the use of bronzing powder. A few simple strokes of the brush is all you need and you’ll look and feel healthy and ready for summer.

Guide to Purchasing Commercial Car Insurance

 What is Commercial Car Insurance?

Any business that has vehicles that it uses for business purposes, whether large trucks, cargo vans, tow trucks, or other vehicles, is going to need a commercial car insurance policy. Commercial car insurance does similar things to personal car insurance: it provides the business with financial protection in case of an accident.

Where Should You Purchase Commercial Car Insurance?

Most major insurance providers that offer personal car insurance will also offer commercial car insurance. However, some companies are more specialized than others and have more experience with the needs of businesses when it comes to car insurance. When shopping around for your business car insurance, you will want to make sure that your primary insurance agent is experienced in handling car insurance policies for businesses.

What Kind of Commercial Car Insurance Should You Get?

Similar to personal car insurance, you will want your commercial car insurance to cover liability and physical damage. As far as liability goes, it is a good idea to increase the property damage coverage to a high amount if the vehicles will be around anything that is expensive to fix. In addition, especially if it is a large vehicle that could potentially cause a lot of bodily harm, you should get a large bodily injury policy.

On the side of you and your company vehicle, you will also want to get medical payments insurance that will cover medical costs for your vehicle’s driver and passengers. In addition, physical damage to your vehicle should be covered by both comprehensive coverage (for damage by theft or natural disasters) and collision coverage (for damage in an accident). Lastly, uninsured motorist coverage is a good idea in case the motorist who caused an accident doesn’t have any (or enough) liability insurance.

Who is the Commercial Car Insurance For?

When purchasing commercial car insurance, it is important to make sure that the name of your business appears in the field of principal insured. This will protect your side in the event of a claim against you. Make sure to ask about who can drive the vehicles and be under the business car insurance policy, specifically, whether they need to be employees, and whether they need to be on the clock.

What other Commercial Car Insurance Factors should be Considered?

Lastly, there are a few other things to consider when purchasing commercial car insurance. The first is for vehicles only used for part of the year. If you have a landscaping business that doesn’t work during the winter, or snowplows that only operate during the winter, ask about adapting your policy to have minimum coverage during the months when the vehicles are inactive. In addition, you will want to consider getting a single-deductible policy if you often have vehicles with trailers, so you will only have to pay the deductible once if both are damaged in an accident.

Getting the Right Small Business Credit Cards

Protecting yourself from wasting the money will be your priority when choosing the small business credit card. Therefore, you need to compare various different options available. Otherwise, your business might end-up in bankruptcy.

You need to consider 3 main factors when you are looking for a good small business credit card. They are lower interest rate, flexible credit line as well as excellent customer service. You need to make sure that you get a card with a low interest rate. It is especially crucial if you plan to carry out the credit balance from month to month. Customer service is also important because you need to contact them immediately if you have enquiries or face some problem. Good customer service will means quicker solution to your need.

Before you submit any application, you need to conduct a little investigation. You can try to call up the customer service. You can start to notice if they give friendly and courteous responses. You can ask them some important questions, such as APR and even the consequences for any late payments. Moreover, your business might also need some flexibility on the payment. You need to gather much important information, so that you will get the best one for your business.

You should also look deeper into the offered programs. If you are not careful, the introductory programs might trap you. They might sound so good at the beginning, but they will only be valid for a short period. For example, the credit card company offers you a 0% interest as well as 0% balance transfer. You will find it perfect that you just submit the application. Later, you will be surprised that these terms are only valid for the first 3 months. You will be charged with higher interest rate in the following months as well as higher balance transfer fee. The companies have their own ways to camouflage these terms in small prints. Therefore, it is very crucial to read thoroughly all the printed requirement before you sign the application.

Most credit card companies with small business credit card program have been teaming up with many well-established merchants and retailers. It is a great thing because you are able to get interesting rewards, such as vouchers, discounts, and many others.

The best reference for finding information on the small business credit card is through online searching. You will find many Website with different programs to offer. You can compare these offers before deciding which one is the best for you. In selecting the features, you need to consider some crucial factors, such as interest rate, rewards, balance transfer and introductory period. You need to get as much info as possible. One thing that you should never forget is that you must read all the printed term and requirement thoroughly. Otherwise, you might get unexpected surprises in the future.

Frugal College Entertainment

We’ve all heard stories about the “poor college students” because most people in college aren’t living it big. You’ve got tuition, books and living expenses and you might not have time for even a part-time job. That’s why finding frugal college entertainment is so important. You don’t have to drop $100 every time you and your friends go out. In fact, there are plenty of things to do in a college town that don’t cost a dime. Try to find the middle ground between staying in all the time and spending money every night. Trust me: It can be done! Following are some tips for finding frugal college entertainment.

Attend Music amp; Dance Recitals

Most colleges and universities have music and dance programs, so go watch their recitals. They aren’t nearly as corny as those you would find in junior high and high school and you might even have a few friends who are participating. This is a great way to both support your classmates and enjoy frugal college entertainment. In most cases, these performances are free or cost as little as $2 or $3, which is nothing compared to what you might spend at a bar, club or restaurant. Sometimes they even have free appetizers after the show!

Attend Plays

Along the same lines of my first tip, another way to enjoy frugal college entertainment is to attend school plays. The theater majors of your school are talented and often put on very moving performances. Watch the colorful flyers that begin to float around campus and look out for some of your favorite plays. Once you’ve found one you’re interested in seeing, talk to your friends and arrange for a group of you to go. That way, you might get a discount on tickets in addition to your student discount.

Film Showings

If you live in a dorm room, chances are you have Movie Night where everyone votes on a favorite film and watches it in your common room. This is far less expensive than going to a movie at seven o’clock and you don’t even have to pay for the gas needed to get there. If your dorm doesn’t already have a movie night or if you live in an apartment complex, take the initiative and set up a movie night. Everyone can chip in for popcorn, sodas and candy and it’ll be just like going to the theater.

Catch the Matinee

If you’re dead-set on seeing a brand new film in the theater, consider going to a matinee showing instead of paying full-price in the evening. Often, this will knock as much as $5 off the price, though you won’t be able to use a student discount. And instead of shelling out $15 for food and drinks, bring a bottle of water in a bag and drink that while you watch.

Take a Dip

Another example of frugal college entertainment is your apartment pool. If you live in an apartment or if you have friends who do, take advantage of that amenity. Of course, this will only work during the summer months, but it’s a great way to relax and get some exercise.

Be a Designated Driver

If you and your friends want to go to a bar or a club, explore frugal college entertainment by volunteering to be the designated driver. This ensures that you won’t be spending money on drinks and you can ask your friends to pay the cover (if one exists) since you’re not going to be drinking while you’re there.

Eat Before Restaurants

To save money when you and your friends go out to eat, eat a snack or a late lunch before you have to go. While you’re there, don’t order drinks or desserts because this is where restaurants really get you on prices. You can still enjoy frugal college entertainment while having a good time.

Five of the Best HDMI Cables for Under $50

One piece of equipment that every home theater system and video game system owner must have is an HDMI cable. In fact, several high-definition televisions come equipped with more than one HDMI port to accommodate more than one input device. These cables are what deliver the astounding picture quality and dynamic sound that makes the video and audio such a compelling experience. While length of the cable is usually determined by need, quality of cables can affect performance. Cables do fail for a variety of reasons, and owners who do not want to be dragging out that expensive television in order to replace a cable should select a quality HDMI cable.

While HDMI cables can retail for upwards of $300 for a six foot cable, many times a lesser priced cable will do just fine. Here is a look at five of the best HDMI cables under $50.

WireLogic HDMI Cable

Costco or Costco.com feature this WireLogic HDMI Cable Item #444974 that retails for $14.99. Since this is only a three foot cable, it is ideal for connections that are in close proximity. It is compatible with all HDMI formats, including Ethernet, and can deliver that 1080p resolution that owners are chasing. This cable responds well to all high-definition refresh rates.

Philips SWV3431W/17

The Philips SWV3431W/17 HDMI cable is available at Target or target.com and sells for $31.49. This is also a three foot cable, and supports just about any high-definition device. The price bump reflects the inclusion of gold-plated connectors for maximum data transfer efficiency.

Vizio XCH 306 Flat Series Cable

Walmart and walmart.com feature this Vizio XCH 306 Flat series cable for $27. This is a cool looking cable because, as the name implies, it is flat and easy to hide. The six foot length of the cable allows for some wiggle room on connections, and the cable even supports Internet connections. The flexibility of the flat cable is equally impressive as the quality of picture and sound it delivers.

Dynex Direct VB-HD06

Shoppers at Best Buy or best buy.com are probably familiar with the Dynex name, as it is the retail giant’s inexpensive brand. The Dynex Direct VB-HD06 HDMI cable is a six foot cable available for $12.99. This is a great high-definition cable that provides great picture and sound for a variety of devices. This is a bargain cable, so buyers should not expect more than video and sound, as that is all it provides.

Belkin AV10050-06

The Belkin AV10050-06 is available at best buy.com for $49.99. This is a six foot cable that is 3D ready, which means it can support 3D viewing provided the proper TV, Blu-Ray player, and glasses are also purchased. This cable specifies max out at a 240Hz refresh rate, so buyers should know their own tech specs before purchase is made. This is a cable designed to fit the moderate price range, while delivering maximum Internet and picture transfer rates.

Fashion 2013 Trends as Anticipated at MAGIC/Project/Pool

Magic is known as the business of fashion. One of the things most people recognize when they’re shopping is that past mid-season clothes are not typically available when you most often when you need them. For example, if you’re looking for swimsuits now, forget it, as its back to school season. Likewise at the coldest point of the year when you realize you need a new coat, you’ll find the racks filled with spring fashion.

We were surprised at the February shows that they were introducing a lot of colorful spring and summer fashions that are generally reserved for fall introductions. We’re curious what we’ll be seeing this show, will it be the traditional 6 months prior for ordering thus being the Spring/Summer 2013 or will we once again be seeing a complete reversal with fall/winter being seen during this back to school shopping season?

If we see traditional spring/summer2013 this show will they be bright and cheerful or dark and dismal as have been some of the spring/summer selections in the past few years?

If we see much of what we saw in February, which is for fall/winter 2012, being repeated this August are we noticing a trend of repackaging of previous seasons styles? This is due in part to the large investment they already have which needs to be recouped even if at a lower cost margin

MAGIC is held in Las Vegas partially because the convention sizes available or is it because everyone in fashion is participating in a game of chance when they roll, will it be 7s or 11s or will they crap out?

If they have a heavy first day they worry. If it’s too heavy on the first day they don’t expect sales the following day. The buyers wonder if they purchase too quickly they may be paying too much.

MAGIC, it is the business of fashion. MAGIC is the foundation, the family includes WWD Magic, Slate, Street, Men’s/Wear, FN Platform, Project, Pool Trade Show and Sourcing at Magic.

Even with the best analysts, fashion preferences can change on a dime with a popular movie or TV show, stylist, celebrity or Olympian.

The Olympic Games goes out of its way to set standards so that no one can take advantage of the games while the games are in session. An example is Olympian Yohan Blake wearing a $500,000 ultra-lightweight watch which was frowned upon as were the Olympic medalist Michael Johnson’s Nike and 3M 24-carat gold created lightweight shoes.

When the Olympians leave the Olympic Village and are no longer physically associated with the games, they are free to wear whatever they wish and this is why it is such a conundrum as their product line has already been established and they don’t know what they will be doing to fashion.

We never cease to be amazed and what we thought we knew about fashion and find out what we really don’t know about fashion.

eBay: Wise Owl or Corporate Buzzard?

Let me start with a story about a small business owner- we’ll call her brands world international- BWI for short–
One day, BWI decided to open a store on ebay to promote her wares in a new way. She met many nice people along the way. She was able to express her dealings with them, as they were their dealings with her, via a feedback forum.

Ebay collected fees for this service from BWI and everyone was happy.

One day, a terrible monster, we will call her redred_hawk (hawk for short), came swooping down on BWI! Unaware of the danger, BWI tried to feed this fierce hawk– she sent her a beautiful coat of down that the hawk tried on and wore for a time!

It happened that the hawk decided she wanted the coat and did not want to pay the very low costs incurred by BWI– So she contacted PayPal, a good friend of Ebay. When BWI realized that the hawk was unhappy, she told her that she could return the jacket for a new one or she could receive a full refund. But the hawk was not satisfied. She wanted the jacket and the refund plus she insisted on additional compensation.

Of course, BWI refused to be a victim of the hawk. The hawk started contacting all the other birds on ebay and the customers of BWI — She told them tales about how BWI tried to hurt her!
BWI was very hurt that the hawk was doing this. Why? Perhaps the down in the jacket belonged to her kin? Was she just that greedy? Or was there some other evil curse at work?

BWI decided to protect herself from future attacks and built a shelter to prevent any other birds of prey from that region– The entire evil forest where the hawk resided was blocked from any trade with BWI. And it was sad too, because they were missing out on some very lovely things.

Unfortunately for BWI, the hawk was already in – wounding and bruising BWI and causing her to bleed- perhaps that is the where the ‘red’ in her name, redred_hawk, comes from. At any rate, BWI was weakend from all the attacks and decided she had to contact Ebay and PayPal to organize some type of intervention.

As it turned out, Ebay had changed it’s feedback policies. They decided, in their ultimate wisdom (NOT– they were really not the wise old owls that they pretended to be), to take away the seller’s (BWI) rights to inform the other animals on ebay what this hawk was up to. However, the buyer (hawk) was still able to leave whatever negative comments she wanted whether they were true or not.

BWI was not going to become prey to this hawk as a few others had done in the past. Hawk knew the new policies with Ebay and threatened BWI constantly with her negativity. Finally, hawk came through on her threats and left a scathing comment on BWI’s account. The only recourse BWI had was to reply to the comment, which she did. Again, the hawk swooped in. She contacted those wanna be owls at ebay and they removed the reply by BWI!

In the meantime, PayPal had asked the hawk to provide the carrier pigeon information to prove that she had returned the coat. Of course hawk could not do this because the coat was still in her possession. This infuriated hawk even more.

BWI was running out of options. Hawk had already convinced some of the animals in the ebay forest that BWI was at fault. What was she to do? Well, she posted a bulletin on every tree that would allow her — she wrote her story down and put it on the biggest tree in the forest, the ebay BLOG. Some of the animals reading the Blog tree even left helpful comments to get the hawk to stop attacking. BWI tried all of them. But there was no resolution.

The carrier pigeon never came with the return, PayPal was still holding the funds and Ebay was allowing hawk to call the shots. What was poor BWI to do? Is this the end for her? Will there be a fairy Godmother to come to her rescue or will she be swallowed up by the big bad hawk? Is there a such thing as ‘Happily Ever After’ for BWI?

And how long do we have to wait to find out the answer? Well, that is the question, isn’t it?

So- Is ebay fair to sellers? If you want a true accounting of the facts in this story, you may go to ebay and visit the store of Brands World International — View the blog and see the feedback — This started in December and it is now mid-March and there is still no resolution. PayPal is still ‘reviewing’ the case and redred_hawk is still trying to victimize BWI. We cannot even leave a negative comment on her feedback! So we did the next best thing. We left her a positive one with a negative message. We blogged, we fought, but did we conquer? Stay tuned for the next chapter and hopefully, final conclusion …

Earn Up to 12 College Credits by Taking the CLEP Foreign Language Exam

Many college students look for various ways to save money on their tuition costs. Non-traditional options such as credit by exam, can provide students with a large amount of credit to complete their degrees. Schools such as Excelsior College and Charter Oak State College, offer students around 6-12 college credits for each exam they take, based on their achievement. Find out how you can save hundreds by taking these exams to accelerate your degree completion.
The exams

The CLEP exam offers three exams for foreign language: German, Spanish and French. Each exam covers about 2 semesters of college coursework in the given language field. Depending on how well you do, you are generally awarded credit for either one or two semesters worth of course credit. So, success in these tests require college mastery of the language at the lower level, commonly described as “101” and “102” course levels. Each exam costs about $77 to take.

Excelsior College

Excelsior College awards ample credit for taking these exams. As a student, you can earn two semesters of college credit with a cut score of 50 on the French, Spanish and German exams. This is equivalent to about 6 college credits that would cost you around $1890 when taking a course priced at $315 per credit hour.

Earning a higher score allows you to save the most and accelerate the fastest. Scoring a 62 on the French exam or a 63 on the German and Spanish exam allows you to receive four semesters worth of credit, which is around 12 credits of coursework that would cost you around $3,780 when taking a course priced at $315 per credit hour, with Excelsior College.

Charter Oak State College

Charter Oak provides similar cut scores for earning credit with the CLEP exams. A student with a score of 50 will be awarded six credits for successful completion of level one of the CLEP exam, in French, Spanish and German. A student with a score of 59 in the French exam, 60 in the German exam, and 63 in the Spanish exam will be awarded another 6 credits for completion of the level two portion. For a non-resident, this would cost around $3,180 if these credits were taken traditionally at a rate of $265 per credit hour, with Charter Oak .

The CLEP foreign languages exams, offer students with great opportunity to earn college credit in a timely and economical way. The average student can study for these exams at their own pace, without having to attend classes, whether online or on campus. It also allows students who are already fluent in a language to demonstrate their competency for credit and become closer to earning their degree.

Classic Toys from Our Childhood, Updated and Still Hot Sellers

Remember those wonderful days of childhood and all those great, hot toys that you owned and wanted. What was your favorite? Is it a toy that is still on the market today?
Many of the toys from past generations are still selling today and selling well. Yet, of course, just like everything in life, these toys from our past, have been updated. They may have a more sophisticated and fresh look. They are made from more durable materials. Plus, unfortunately, they may also cost more than they did when your parents bought them for you.

Yet, they are just as well loved and they are just as popular, if not more popular than ever.

Here is a quick overview of some of those toys and how they have been updated.

Jack in the box

You remember him. He was a somewhat scary clown that would pop out of a colorful box, after cranking a little handle.

Jack still pops up to the sound of music. His little box is still colorful. But he isn’t as scary looking as he once was.

Jack is no longer always a clown. You can purchase Jack in the form of a cute bear, a bunny, a pony or even a character such as Curious George. Yet, he still loves to play hide and seek with all the kids.

Crayloa Crayons

Yes, these wonderful crayons have been updated a lot since they first came onto the market. One of their newest products is the triangular easy hold crayon. These makes it easy for even two year olds to begin drawing and coloring all those wonderful masterpieces.

Radio Flyer Wagon

Surely you remember these wagons. They were bright red and you can pull anything from your little brother to a load of small gravel in these.

The new version is still red. The kids can still push it. But now it has a more comfortable seat and looks more like a little car than a wagon.

Lincoln logs

Wasn’t it fun building all those colorful building and then promptly knocking them down, again?

Well, the logs are just as wonderful as they were then. But now the kids imagination can go even wilder with the new plastic horses and people that also comes with some of these sets.

Barbie

You can’t even think about classic toys without thinking about Barbie.

Barbie has been updated several times throughout her life. You can even buy her now with her very own stand, so she is always at attention, ready to tackle any job.

Candy Land

This wonderful game helped us all learn our colors. It we drew a red dotted card, we were suppose to land on the next red dot. It was easy and fun.

The updated version has no board. Yet, the kids still have to match up colors, as well as shapes.

Don’t worry, the board version is still around, too.

What would childhood be without all these wonderful toys? They teach our children so many things, while also building wonderful memories. They also give us an excuse to revisit out own childhood as we play with our children.

Bad News Bears: Chester Taylor Leaves Minnesota for Chi-Town

Oh no. No, no. This is not good at all. Chester Taylor, our stalwart running back, has departed for Bears country. Uh-oh.
The latest news: the Chicago Bears have picked up Taylor, tight end Brandon Manumaluena, and the very talented defensive end Julius Peppers (thank you, Mike Tice – the former Vikings head coach is now the offensive line coach for the Bears). As our team is slowly dismantled during the off-season – and we knew this was going to happen, by the way – we’re left wondering if they’re keeping the right folks. I trust Childress only as far as I can throw him (and though I’ve been working out regularly, I don’t think I could heft him), and I’m feeling like he’s making some bad choices right now. Really bad. Almost as bad as twelve men in the huddle. Personally, I would have liked to see Adrian Peterson pack his bags after the way that he’s played this past year, but unfortunately, we’re losing the one running back that we can count on to get us that next first down instead.

And the worst part? We’re losing him to our own division. Chicago. They’re already tough to play, but now they’ve taken one of our most reliable guys and added him to their ranks. First I lose my friend Julie to Chicago, and now I’ve lost Chester Taylor. What’s next – Joe Mauer to the White Sox?

Just kidding.

To be clear, I completely understand why Taylor has decided that the Bears are a better option for him, especially at this point in his career. According to the Minneapolis Star Tribune, Taylor sat down with his agent and went through all the possible scenarios, and decided that Chicago was the best fit – both money-wise and for playing time. Since Adrian Peterson has burst onto the scene, Taylor hasn’t had the opportunity to start (which is a shame); rather, the past year-and-a-half, he’s been cleaning up Peterson’s messes with virtually no recognition or reward. And on top of it, the guy is 30 – who knows how much longer he’s going to be able to play? Running backs have notoriously short careers due to their high-impact positions, so I can imagine that Taylor wants to get in as much playing time as he can before he’s forced to retire.

So, what does this all mean for us? It means that Adrian Peterson sure better get his act together before next season, or we’re going to be in big trouble. I just hope that this doesn’t sway Brett Favre towards retirement, seeing as how we don’t really have another viable option for quarterback.

Oh, wait – we can sign an unrestricted free agent now, so I guess we do have another option. Let’s just hope that Taylor’s departure is worth what we get in return.