Best 2012 Halloween Costumes for Boys

If you are looking for the best 2012 Halloween costumes for boys, we have some ideas for you to get started. Depending on the age of the child, you are going to most likely want to get some input from them on what they want to be – unless they’re a baby, of course. In all seriousness, involving the child in the process of picking a suitable Halloween costume can go a long way in making sure they have a lot of fun on the big night, which is what it’s all about – not to mention the candy.

  • Spiderman Costumes – The Amazing Spiderman was big this year, and as in years past, you can expect many boys to want to become the wisecracking Spidey. The good news is that there are quite a few great – and relatively cheap – Spiderman costumes available.
  • Batman Costumes – Another Superhero that’s huge again this year is Batman. As with Spiderman, the popularity of this costume means there are going to be a lot of different options for you as a parent. From simple plastic outfits to complex costumes with a separate Batman mask and accessories, there’s something for every budget.
  • Historical Costumes – Not every boy is going to want to use a historical figure for a Halloween costume, but this can be great in many different ways. For one, not a lot of other kids are going to have the same costume most likely if you go with a George Washington, Ben Franklin or some other historic figure – Caesar anyone?
  • Homemade Costumes – If you are on a budget or just like to be creative and spend quality creative time with your children, homemade costumes for Halloween can be a great idea. You just want to make sure you involve the boy in every step of the process so he is happy with the outcome and will want to wear it on Halloween night!
  • Soldier Costumes – This is one that is relatively easy to put together cheaply. A little camo and some other accessories – no guns! – and you can have a great looking solider whether it’s a sailor or someone in the airforce or marines. Camo face paint really puts the final touches on this great costume idea.
  • Fireman Costume – Being a civil servant or first responder like a fireman on Halloween is a lot of fun and may be an indication of a future career path for your little one. There are a lot of great accessories you can get to make your costume really stand out from all the others. Don’t forget the cute fireman’s hat and boots!

After you choose which costume you want, it’s all about saving money. Next, we have some tips to make sure you get the most for your money when buying a boy’s Halloween costume this year.

  • Shop Early – One of the best things you can do is shop early. If you were thinking smart last year, you bought your costumes a day after Halloween when they went on sale. Even if you didn’t do this, the earlier you start shopping – even during the final summer months – the more you are going to be able to look around and find the absolute best price.
  • Shop Online – Speaking of finding the best price, another great idea is to make sure you do most of your shopping online. While there’s nothing more fun than taking a kid (or five) to a Halloween costume shop (sarcasm!), there’s something to be said about shopping for a costume online. It’s easy, safe and convenient – and you can save money too.
  • Read Reviews – Finally, you are going to want to make sure you read reviews of the various costumes before you get out your credit card and make any purchases. There are quite a few places you can read reviews these days, but you should find a website you trust and stick with them and their recommendations for the best Halloween costumes for boys in 2012.

Halloween is all about having fun and being able to dress up and score a lot of candy. Picking out the costume should not be stressful or a headache! The sooner you start shopping for a Halloween costume, the sooner you’re going to be able to relax and just enjoy the holidays.

Strong Pain Reliever Can Lead to Abuse and Addiction

Although OxyContin is a major weapon against chronic or severe pain, its use can lead to addiction and drug abuse. The synthetic opioid works in the body much like morphine. An unfortunate similarity is that OxyContin can prove highly addictive.

OxyContin, known as oxycodone when given as a generic drug, is a controlled substance. Doctors who prescribe it to relieve pain want their patients to keep a close eye on their intake. OxyContin abuse has increased dramatically in recent times in spite increased medical and legal scrutiny.

Two years ago the National Institute on Drug Abuse studied American high school students. The NIDA reported that greater than five percent of twelfth graders abused OxyContin, taking it without prescription. OxyContin abusers are not limited to the young; its use continues throughout all parts of the population.

Doctors have become more cautious about prescribing strong pain relievers. They must walk a fine line between appropriate prescribing and holding back from those caught in the web of abuse. Addiction can creep up on people, taking them by surprise.

Some people may be on the drug for months or years before they realize they have crossed the line into addiction. Others may not be able to admit that they have a problem. They may try to convince themselves and others that they are only occasional drug users who take OxyContin only when they need to relax.

It is easy to convince oneself that drug abuse is not in play when one is actually addicted. Some people are just as good at convincing themselves as they are at convincing others that they do not have a problem. For awhile at least they maintain the illusion that they choose when they take OxyContin, that the drug does not have control of them.

Signs of OxyContin addiction can be observed so that addicts themselves as well as loved ones can become aware of growing trouble. Having to take more OxyContin for the same results is one warning sign. If people get into legal trouble or come close to a legal problem because of drug use, then that should be taken as a signal.

Drug use will sometimes replace other activities in a person’s life. When taking drugs becomes more important than other people other events, then abuse should be suspected. Dependency on drugs for pleasure is not a good sign.

For an addict, withdrawal symptoms will arise when the drug dose gets reduced or eliminated. Getting over an addiction is often not a simple matter of quitting. Dependency makes leaving the drug behind a difficult matter.

In spite of promises to themselves and loved ones, OxyContin addicts face a battle in getting over their drug dependency. Another sign of addiction is the arrival of withdrawal symptoms when the user skips taking the drug. Withdrawal itself can scare drug users back into the vicious cycle of abuse.

One symptom of OxyContin addiction is the experience of blackouts. Forgetting events that the drug taker has lived through or knowing that he or she has passed out can signal addiction. Loved ones calling attention to the drug users’ blackouts can help the user ultimately face the addiction.

Abuse of OxyContin destroys people’s emotional and physical well-being. Depression and social alienation can set in, ruining the drug abuser’s sense of self. Insomnia or a major increase in the need for sleep may haunt the lives of addicts.

Other signs of a drug abuse problem include changed eating habits that result in sudden weight loss or weight gain. Slurred speech and lack of coordination may set in when people step over the line into drug abuse. OxyContin is an important medicine for the treatment of pain, but users need to know that it can lead to drug abuse.

E Cigarettes – Environmental Friendly and Stylish Alternatives to Smokers!

The mere sights of cigarette butts makes many cringe frown and roll their eyes in disgust. Insult is added to injury when the breath of one in close proximity to another is smoky and stale. It is such concerns that have led to the invention of E Cigarettes!

These are cigarettes whose utilization requires small power from battery and are also available in various flavors and varied nicotine levels. Owing to the fact that the charge from a short cable is required, carrying the electronic cigarettes and taking a puff away from the comfort of the home can be quite tasking in some case. This means that the smoking habits of individuals are in fact regulated! Also, the human body is protected from harmful smoke that is not emitted by the electrical version of these new age top notch cigarettes.

The Cigarettes Are In A Dignified Pack and They Are Durable!

For the first time ever, tobacco smokers do not have to carry matches and lighters causing burns to their finger tips and boring holes into their Sunday bests! Smoking has been taken a notch higher and the result is basic dignity for the smokers because they will not disrespect the non- smokers among them by contaminating the air that they breathe. Electronic cigarettes and the packages they come in can also be reused meaning that a lot of money isn’t spent in every interim in the purchase of pack after pack as in case of regular cigarettes. The style and durability factor surrounding the new age cigarettes is just remarkable!

They Are Environment Friendly!

For starters, this kind of cigarettes cannot be put on unless with a source of an electrical current. This means that rooms and pathways do not, under any circumstances, get filled with smoke just because a smoker passed by! The smoke usually part and parcel of the activity of smoking, is done away with meaning the air, even around a smoker, is always fresh! Disposals for the cigarettes have also been invented, meaning that they are gotten rid of responsibly so that there are no harmful smoking bits and pieces carelessly thrown away which pollute the environment!

E Cigarettes have made the world a better place, at the very least! Those who indulge in smoking on a regular or even irregular basis can therefore finally do so responsibly and while giving better consideration to their health.

First Date Clothing Suggestions For Men

Dressing smartly and suitably for a date is an area which some men unfortunately overlook and feel they don’t need to make an effort dressing for a date. This is the first mistake a man can make when going on a date. Having said that, not all men overlook this area; there are some men who spend hours getting ready for a date but wouldn’t admit it. Wherever you decide to go on a date, regardless of the class, it is vital that you appear to have made an effort and turn up looking your best wearing a freshly washed and ironed outfit.

First impressions can make or break a date, so the importance of looking smart cannot be underestimated. Along with being washed and ironed, clothes must fit properly, be stain free, be hole free, not too tight, not too baggy, not garish and not old and faded. It is also important that the outfit you choose to wear on a date is suitable for the date location plus matches your age. Dressing older or younger than your actual age will only make you stand out. By dressing too young you may appear like you are trying to recapture your youth resulting in your date believing you have other personal issues going on. Alternatively dressing too old could be off putting for your date. You want your date to look at you and feel happy to be on a date with you, not to wonder what they have got themselves into.

The easiest date to dress for is a casual date. This may include going for a drink in a bar, going out for fast food or a visit to the cinema. For any casual date, it is perfectly acceptable to wear jeans. It does not mean that you can dress down or wear jeans that have seen better days. Jeans should be in good condition and have a perfect fit, especially around the bottom area, which is where most women tend to have a good look at. You can choose between a variety of tops to accompany jeans, such as a t-shirt, a poloshirt, a casual shirt or a sweater. Poloshirts are ideal if you have a good physique and you wish to show it off. If the weather is cold, then a casual jacket is suitable. If you decide to wear a t-shirt, it is best to avoid garish colours and stay away from novelty t-shirts, at least for the first date anyway. If you decide to tuck your top into your trousers, remember to wear a belt to add a finishing touch to your look.

You can get away with wearing jeans on a casual date, but if you are going on a classy date, then they are not appropriate. A more formal look is required for a classy date, such as a visit to the theatre or a meal at a fancy restaurant. It’s a good idea to own a suit, ideally in a dark colour such as charcoal grey or navy, as you can create a number of different looks using just one suit. You can wear a variety of different shirts and ties with a suit or you can change your look entirely by wearing the suit trousers with a casual shirt, or even wear the suit jacket over a casual outfit to create another great look. If you choose to wear casual attire on a classy date then all you will achieve is showing your date that you couldn’t be bothered to make an effort, plus you will stand out especially if your date is wearing a stylish dress. Once you have chosen your outfit, don’t ruin the look by wearing inappropriate shoes. Formal footwear should be worn when going on a formal date. Trainers, sandals, pumps and boots are not appropriate. Formal shoes must be clean, match the outfit and comfortable to wear. If you are wearing a belt with your trousers, then ideally your shoes should be the same colour as the belt. Footwear is an area that women tend to notice, so great footwear can leave a great lasting impression on your date.

An active date, such as playing a game of tennis, or going walking together, requires a different look. It is necessary to wear sports gear and not forgetting supportive footwear. Clean modern jogging bottoms or shorts are appropriate, just as long as shorts aren’t too small and tight and jogging bottoms aren’t baggy at the knees. A t-shirt, long or short sleeved is suitable and if the weather is cold, then a sports jacket or a sweatshirt can be worn. Dressing for a sporty date is not a time to put fashion before comfort. You need to dress in clothes that won’t restrict your movement plus feel comfortable to wear; remembering to check that they are clean before you put them on, including your footwear.

If your date has arranged the date and you don’t know where you are going, then you need to wear an outfit that is suitable for a range of date locations. A good suggestion is a pair of smart trousers accompanied with a fashionable shirt and a stylish jacket. A stylish jacket, such as a suit jacket will be appropriate if your date has booked a table at a fancy restaurant, and a fashionable shirt is sufficient for any casual date and even a slightly classier date. There is no need to wear a tie, but if you prefer, you could always conceal a tie in your jacket pocket in case you find yourself going to an upmarket venue. If you feel overdressed, you can remove the suit jacket to reveal your casual shirt. It is always better to be slightly overdressed than underdressed, which will show that you have made an effort.

Along with clean, ironed, fresh smelling and well fitted clothes, it is a good idea to turn up for a date clean shaven, showered and smelling great. Smelling good is very attractive to women, just don’t overdo the aftershave or body spray. Don’t leave your decision making to the last minute. Think in advance about what you wish to wear and take your time getting ready. The last thing you want is to turn up for a date feeling flustered and worried because you forgot to shave or put on deodorant. Planning your outfit in advance and looking like you have made an effort are the two main keys to dressing well for a first date.

High Cost of Healthcare Induced By Contradictory Goals of Providers and Payers

Healthcare has been the topic of debate for most of the last few years. From the boardroom to the water cooler, costs and quality of care are hot topics that impact everyone in this country. Young and old, Americans are feeling the squeeze and most are finding it difficult to come up with solutions. In the boardrooms of corporations both large and small, employers are struggling to cope with reality of rising premiums and declining benefits. Meanwhile employees are left with the prospect of going without health insurance. Currently it is estimated that 50 to 60 million adults in this country are walking the tightrope of living without health insurance. With such widespread reach for ripples created by this healthcare debacle, everyone is looking for answers. How can we afford coverage? Can we go without? What can be done to curb the costs and get this problem under control?

In the workplace, employers and employees often feel as if they’re on opposite sides of the fence. Employers feel as if their subordinates take no consideration of how difficult it can be to turn a profit while facing spiraling costs and a difficult economic environment. While large corporations may be able to ride out the storm, small businesses rarely have this luxury (especially at a time when credit is difficult to obtain). Most small businesses would close their doors if the balance sheet goes in the red for more than a few months or quarters. On the other hand, employees often adopt a near-sighted approach. How could they expect me to afford a premium increase? Should I just try to float without insurance for a while? These questions often lead to resentment on both sides of the coin, but are the employers or employees to take the blame and the higher cost?

Looking for answers to this growing problem is not easy. Where did the system go wrong? Why is it so expensive? Who’s to blame?

Many people blame healthcare providers for the rising costs of quality care. I can assure you this is not the case. Providers are facing a myriad of challenges and roadblocks. More so than ever, running a profitable medical practice is daunting task. Like any other business, a medical practice will close if it can not cover expenses and afford to pay salaries. Labor and leasing expenses are only the tip of the iceberg. Practitioners are forced to pay for equipment, insurance, hardware, software, licensing, and more. After establishing an office with all the appropriate resources, medical practices and hospitals must then attract patients in a very competitive marketplace.

Yet with all these costs and challenges in their way, healthcare providers are not complaining about patients or labor or costs! The largest problem facing healthcare providers is the insurance reimbursement process. Contradictory goals of payers and providers are resulting in inefficient and difficult payment systems. Insurance companies are more concerned with bottom-line profits and shareholders than they are about the care their members receive. How can we expect doctors and healthcare providers to keep their offices open if they can hardly get paid for the services they perform? Individuals believe that because they pay premiums, the insurance company will pay their doctor. Unfortunately, this is hardly the case. Health insurance claim denial rates can reach as high as 25% or more. Many providers have outstanding receivables measured in the millions of dollars. The insurance reimbursement process is so arduous that many medical practices never get paid and as a result close their doors forever.

Insurance companies use a wide variety of tactics to delay payments and deny claims. Payers employ hoards of representatives charged with the task of fielding calls and scrutinizing claims. Due to these tactics, insurance claims take anywhere from 30 days to more than 1 year to reach a completed status. In most cases claims are delayed and denied due to inconsequential, irrelevant errors. These errors result solely from the many difficult and senseless hoops that are placed in the way of the provider’s billing representatives. This extremely labor intensive process of collecting from insurance companies costs providers a great deal of time and money.

The only beneficiaries of this process are the shareholders of insurance companies. The delays in payments result in interest earned for the time period in which the claim was delayed. In many cases, providers never receive reimbursement for the services they perform. These claims must be written-off as a loss by providers while insurance companies see these cases as victories leaving more cash on their balance sheets. It appears that the primary goal of insurance companies may be to deny as many claims as possible; after all they answer to shareholders not providers or individual policy holders. This gross abuse of power by insurance companies may be the biggest problem we face in the healthcare sector.

The days when doctors sat on golf courses all day while making millions per year are over. Now they must battle insurance companies tooth and nail for every claim. If insurance companies paid doctors for the services they perform, perhaps we would see a reduction in costs related to providing care.

Surely there is no easy fix to this problem. We may find the answers by addressing the goals of big insurance companies. Providing oversight and incentives for paying healthcare providers for the services they perform would be a good start. If insurance companies focus on weeding out fraud rather than just delaying and denying payments, we could see an increase in efficiency and productivity in the healthcare sector that could be the start of controlling costs while maintaining a high standard of care. For the sake of all Americans, hopefully we find an answer soon!

Raincoats For the Women of Today

Raincoats for women come in many shapes and styles and have been around for a very long time.

Often referred to as a mackintosh, the ‘mack’ has been in existence since the early 1820’s, and was invented by Charles Macintosh.

The mackintosh was a waterproof garment made from rubberized material, similar to the waxed jacket we often see worn by the men and women today.

Originally a practical garment to keep the wearer dry, this outerwear is now much more of a fashion statement. All top designers will include such an item in their collection.

The traditional design has been transformed to suit the needs of the modern woman, which has led to a variety of lengths. You’ll just as easily find a short anorak style rain jacket, as a full length raincoat.

Old heavy style fabrics have been replaced by breathable lightweight materials, which allow them to be packed up neatly into a small bag. Some models also have a hood which may be detachable.

The garment not only come in the single breasted, but also the double breasted, and zipped fastening design. This makes them more suitable to a wider range of customers as body shape, age, and taste, are all catered for.

For the winter you can choose a garment with a faux fur lining, which not only keep you dry but keep you very warm and snug too.

From the ever practical black or beige version to the fluorescent pink worn with matching wellington boots, raincoats for women are available to suit everyone.

E-cigarette Cannot Assist You To Quit Smoking

The most recent craze for individuals attempting to stop smoking ecigarette(cigarros electronicos) or cigarette(cigarette ). Apparently, the evening, the emerged like a viable solution, most probably to prevent smoking, and appropriately so: the ecigarette(cigarro electronico) isn’t a cigarette(cigarro), just calm your nicotine craving. So it’s actually a wise decision?
The ecigarette(cigarro electronico) is identical category as the nicotine patch and gum: nicotine alternative therapy. Within the same spirit, has got the problem much like other techniques of nicotine alternative therapy: it is simply an area of his need to quit.
When I attempted to stop, I attempted nearly every trick within the book. Not one of them labored, and permanently reason: after i came, I returned to smoking. I never sitting around and stated, “Wow, I possibly could go among the nicotine patch now!

Obviously, the reply to this really is to keep ample way to obtain that which you use alternative at hands. But what goes on when you are in the bar or with buddies? Of people who smoke, you are not really the one who turns for their e-cigarette(elektronines cigaretes) and requires a couple of drags, all high and mighty of all of the other people who smoke. It simply doesn’t make sense at all.

Cartridges are available in a wide variety of tastes and strengths of nicotine. For regular, menthol, also the apple and strawberry flavor cartridges and nicotine strengths come in full, a medium, light, and no. While electronic cigarettes(elektroniskas cigaretes) are technically “alternative to smoking”, rather than smoking cessation device, the range of nicotine strengths offers clear opportunities to support those trying to quit smoking, and seems to be proving to be popular in these markets.

The nice thing about electronic cigarettes that you say, nicotine patches, electronic cigarettes that give the same tactile sensation and oral fixation that the desire of smokers, while satisfying the desires of snuff as well. When you take a drag n electronic cigarette really feel your lungs fill with smoke flavored snuff warm and the waves of smoke exhaled from your lungs as the regular snuff, however, as mentioned, the smoke is actually a lot more water vapor that evaporates quickly heals and not offend anyone in the vicinity.

There’s really only one method to quit smoking: Will. Lots of people state that cold poultry may be the toughest method to stop smoking, with valid reason: they’re going on all the wrong manner. If guess what happens you need to do, and stomp your desire to have cigarettes, before you begin, you’ll have the ability to maintain and not think back!

Need to know much more about giving up smoking with the first? Take a look at a few of these books to prevent smoking and find out how easy it may be really quit!

You May Be Statistically At Risk For A Payday Loan

Recently, there has been a lot of talk about percentiles. With the presidential election on the horizon, Americans are being flooded with percentages and many are drowning in confusion. Payday loan lenders have been inundated with borrowers who are trying to stay on top of their bills. A deluge of mass media has emerged to cover the politic elections, surfacing statistical claims about economic differences among the American population and submerging any consistent sense of where one fits into the fiscal scheme of things.

These statistics raise questions that come with a lot of political baggage: Am I one of Occupation Wall Street’s 99 %? Am I one of Mitt Romney’s 47% who rely on federal benefits? And, if so, is this a bad thing?

These ‘factual’ numbers, which are meant to act as clear, logical backing for political campaigns, are leaving many Americans mystified, obscuring political agendas behind a silk-screen of percentages.

Let’s face it; politicians employ these statistics, which may or may not be whole truths, to inspire voters to stand up for a cause–their cause. Among the aforementioned percentages, there is one common denominator: they all target or discuss an audience of low income families. In some cases, these statistics are used to draw attention to discrepancies between high and low income families, while others demonize those in the low income demographic as moochers and/or freeloaders.

Yet, another statistic that has not been addressed in the campaigns but that directly relates to low income families is the number of households in this demographic that utilize payday loan services. A PEW survey recently exposed that 72 % of payday loan borrowers have a combined family income of less than $40,000 per year. Clearly, those in lower income demographics are more inclined to borrow these high interest loans, which they are required to pay off at their own expense.

It is easy to comprehend the reasons that those in low income families are more inclined to borrow–utility bills need to be paid, children need to be fed and clothed, cars need to be in working order and fueled up. This becomes even clearer when considering that most payday loans are taken out to accommodate recurrent, necessary life expenses. Evidently, many low income American families are treading water, relying on temporary safety rafts, like payday loan lenders, to stay afloat, and getting closer and closer to a tidal wave of unavoidable debt.

This raises the questions: do the aforementioned political percentages and statistics accurately represent low income families who are relying on payday loans?

To answer the question, statistics rarely speak for themselves. Yes, over 40 % of Americans rely on federal benefits, but it is important to note that this percentage is largely made up of impoverished families, mothers with young children, and senior citizens. Without such services, more people from these demographics would be pushed to rely on payday loans and cash advances, furthering their debt and making them more susceptible to extreme financial circumstances, such as bankruptcy, which ultimately costs tax payers a great deal of money. It is important to note, additionally, that a person must be employed to take out a payday loan, challenging the idea that the low income families and individuals who rely on such services are freeloaders.

In short, not only is the onslaught of political statistics confusing, it is often unreliable, as it only presents a partial picture of the current circumstances of low income American families–a demographic which makes up a significant portion of the American population.

Everything About Payday Loans

The statement that a payday loan will be your sheet anchor when you desperately require cash is rather sketchy. They, without any doubt, have got their very own positive factors. Nonetheless there are actually many disadvantages to this type of financial loans. I personally try to step back from this form of lending services. Nonetheless let us evaluate pretty much all advantages and drawbacks of these loans to create an objective view on this credit service.

In actual fact, payday loans are money advances. When you get caught up in between your pay days with no money in your purse, you desperately require some funds from an outside source. Moreover if you are faced with various unpredicted expenses, you have got very poor credit rating, and credit cards aren’t any option for you, a payday loan is what exactly will be able to assist you to make it through until you obtain your next paycheck.

Dealing with such kind of financing is merely like dealing with pretty much any other loan. You simply borrow a certain amount of cash with a commitment to return it back at the pre-agreed fee and rate.

Payday Loans Costs

Different creditors sanction loans at various fees and rates. And this particular problem actually is a drawback of these loans. You will often shell out from $ 15 – $ 30 for receiving $ 100. In terms of interest you would require to pay, it’s really drop-dead enormous. The interest rates range in between 390% and 780%. And this is really the worst part with regard to these loans. Let’s now proceed to the more pleasant aspects.

Applying for a Payday Loan

The procedure for payday loans application is very simple. You can execute it on the Web, or go to a loan office. You complete a loan application and give a few personal details for a loan provider to make a loan decision. The requirements are usually pretty much the same: you have to be at least 18 or above, need to have a stable employment with a minimum monthly income of $ 1,000, and also a checking bank account. You will, quite possibly, be asked to give your social security number, copies of bank accounts and pay stubs. In case you fulfill all the specifications, you can be positive that you would be approved for a loan. Thereafter you normally have got to hang around for 24 hours (or less in some instances) and you will have the access to your cash.

Payday Loans Positives and Negatives

Payday loans really are a solution for cash-strapped individuals. In the event that you desperately want to get hold of some cash and you need the same fast, using a payday loan is certainly much better than stealing a bank. Another nice thing with regard to such sort of loans is that by getting one you do not expose yourself to a long term obligation, such as whenever managing a typical bank (when you get a mortgage, a car loan, or a reward charge card). You’ve got to pay back the money borrowed soon after you receive your next paycheck. Usually, the ceiling on the highest possible sum of money you can borrow is $ 2,500. Therefore, this is one more advantage of such loans. You just won’t bury yourself in big debts. And payday loans end up being significantly less expensive as compared to bounced checks.

So, when you have a heap of bills to pay one day and no credit line or cash available for doing it, consider getting a payday loan. It is usually a good backup strategy for you. However be responsible with respect to paying it off on time, otherwise, you will encounter big charges and might get the sticky end of the stick. Recollect payday loans primarily in some cases of unexpected emergency, not whenever you feel like purchasing a new designer’s suit or jewelry.

10 Shopping Tips – Fashionable Finds Are Possible For Under $25!

When it comes to shopping sometimes the $20 sandals flatter you more than the $400 designer sandals. Style is not in the price, but in your approach. You can get more for less if you are savvy about your shopping. Fashionable finds are possible for under $25. How do you do it? Here are 10 Tips to think about when you’re out on a shopping expedition:

1. You Can Find Deals in Unexpected Places.

I got a purse for a steal at a Nine West shoe store in New Jersey. Not a shop I would normally think of to buy a purse. But I spotted it in the front window and fell in love. (Although maybe not as deeply as with my husband.) When I went into the store to ask a sales clerk about it, I thought this gorgeous tan satchel would be expensive. It looks like something that would be appropriate in Grace Kelly’s or Audrey Hepburn’s wardrobe closet. But now it’s in my closet.

2. Set Your Budget and Stick with It.

Yes, you’ve probably heard this before. However, forced to work within a box, you will come up with creative ideas. One year for Christmas, I set a working budget of $25 each for my nieces and nephew. Instead of getting them each one gift, I got them a number of small funky gifts and they each had 3 presents to open. It made opening gifts more exciting for them.

3. Read fashion magazines to get an idea of the trends.

Many clothing companies with budget-happy fashion lines will replicate the “look” or “feel” of pricey designer fashion. I read everything from New York magazine and the NY Times Fashion to Vogue, Elle and fashion catalogs to see what’s happening out in the fashion world. Go to your nearest public library and those fashion mags are FREE! If you learn what is cutting edge then believe me you will find cheaper versions of the trends. Or you will learn how to put an outfit together in your own expressive way.

4. You can find reasonably priced gifts at even the most expensive stores.

For example when I go online to Saks Fifth Avenue I can look under the gift category “Under $50.” Today for “$25 and under” I find: a Kate Spade notecard set, a hip style book on Dolce and Gabbana and Fresh waterlily soap—all would make lovely gifts. The price is so reasonable for the soap you could even include a little something else so that the recipient has another gift to open–always more fun. Go to a pricey chocolate shop. Then buy the smallest, but always tasteful box, sometimes under $15. Put it in a nice gift bag with the heavenly scented waterlily soap. Your gift card can read: “You deserve a little elegance in your life.” What friend wouldn’t be flattered.

5. Be open to new opportunities.

When I travel to new cities I like to explore new shops. I usually end up in the artsy section of town. To me that means galleries, museums, maybe a university–and fun shopping. I collect business cards of the stores I love and make notes or take pictures of what they have so I can call them and order from them later. If a town has a college or university it has plenty of stores with low prices to satisfy the students. And me too.

6. Know your own style.

Allow your self the luxury of an expensive item that you just can’t pass on. Especially if it defines “YOU.” Find deals for other purchases. I coveted a $99 sweater from J.Crew, but then I bought a purse for only $20 for a wedding. You can justify the expensive purchase. The sweater will last for years, amortizing into less money. If I wear the sweater often, cost-wise it pays for itself, while the wedding purse I might only use that one time.

7. Accessories are inexpensive ways to refashion the look of your outfit.

An $8.00 leopard print scarf I bought at H&M compliments my chartreuse cardigan, jeans and black boots. It’s a dressy-casual look that suits my style. And the scarf goes just as well with a knit purple dress and heels. A few strategically picked accessories means less outfits to buy.

8. Consider buying your purchases in the months they are traditionally on sale.

If you’re not in a rush to buy new towels then why not wait until January or August. Or if you thinking of painting your bedroom Robin Egg blue, that paint will be cheaper in April.

9. Sign up for email blasts from your favorite stores.

Stores will alert you to their sales and often give email subscribers exclusive discounts. You will learn about sales before the average customer. Then instead of spending a fortune on the skirt you admired earlier in the season you can scoop it up at a bargain.

10. Shop from your home and comparison shop online.

Yeah, why not. Shop in your pjs, my favorite way to shop. What do you think?