7 Spring Fixes to Boost Your Home's Value

At this time of year, many people dive into their spring cleaning. But this is also the perfect time to tackle home improvements tasks you put off during the cold winter weather. There are lots of relatively simple and affordable things you can do to give your home a spring facelift. Your house will look better and your family will feel happier in it. As a bonus, you will also boost your home's value at the same time.

Add the Perfect Touch with Paint

"A fresh coat of light pain on the interior walls can work wonders," says Kelly O'Ryan of Coldwell Banker in Lexington, Massachusetts. "Paint will always clean up dirty walls and give a room a better image."

Although dark colors can be stylish, O'Ryan advises going for lighter shades to brighten things up in warmer seasons. Karol Nickell, editor-in-chief of Fresh Home magazine, offers this advice: "Smart color selections can make a small or cramped room appear dramatically larger. In the foyer, make a good first impression with similar tones mixed at different strengths. In the living room, a bold color paired with a white ceiling makes the room seem taller than it really is."

2. Focus on the Flooring

Good, well-maintained flooring can set a positive tone for the entire interior of your home. Take proactive steps to protect your biggest investment.

"Like paint, flooring can help create an impression of spaciousness and airiness," Nickell says. "Whether it's a floating laminate floor, tile or a natural 'green' alternative, lighter-tone flooring can make formerly drab areas appear modern and streamlined."

3. Lighten Up the Accents

"Spring is a great time to change your window treatments and area rugs," O'Ryan says. "Once again, dark colors are associated with winter months; a lighter airy curtain will give any room a brighter and more pleasant appearance. If your floors are in great shape, you may want to remove the area rug(s) and leave the floors bare. Eliminating the rugs will open up the room and make it appear larger."

4. Update the Windows

Old windows aren't just ugly - they can also let your heat and air conditioning escape, costing you big bucks.

"While window treatments are typically a focus in many home makeovers, the actual windows themselves are often overlooked," says Victor Gonzales Maertens, an energy efficiency expert with Lennox Industries. "However, upgrading old single-pane windows with new ENERGY STAR-qualified windows can save an average of between $126 and $465 per year on energy bills, and some new windows qualify for the federal tax credit."

5. Weed Out Bad Landscaping

Neglected bushes and overgrown lawns can kill a home's curb appeal. Don't worry - you don't need a green thumb to spruce up your yard. Going green doesn't have to damage your finances.

"Clean up the site by removing any dead or dying plants, branches and flowers," suggest Jennifer Hoxsie, landscape designer with Greenhaven Landscapes in Lake Bluff, Illinois. "Prune overgrown shrubs along the home's foundation so they are below the window sills and off walkways and driveways. Fill empty holes with site-appropriate plants. Have all the planting beds weeded, edged and mulched for a clean, crisp look. Finally, weed and fertilize the lawn and provide supplemental watering if necessary to maintain a lush green carpet."

6. Add Decorative Touches to the Yard

We're not talking about plastic pink flamingos or creepy garden gnomes. Taylor Graves, representing CertainTeed building products, says, "Adding benches, stepping stones, fountains or other garden accents could go a long way in making your outdoors a visually appealing and welcoming environment."

7. A Few Final Exterior Touches

While you're outside, there are a few other quick moves that can make a big difference. (If you only have $1,000 to spend, what can you do that will get you the most bang for your buck?

"Add color with paint to outdoor features such as window frames, decorative beams and porches," says Kurt Gleeson, national vice president of sales for RealEstate.com. Stick with calm colors that complement the home's exterior color scheme, avoiding shocking shades and drastic contrasts.

"Clean external brickwork or concrete slabs with a liquid masonry cleaner to make them look new and neat. Power washing can give external stonework, walkways and front stoops a quick makeover."

Spruce Things Up

By investing a few bucks and some elbow grease, you can boost your home's image - and value - quickly this spring

source: http://financiallyfit.yahoo.com/finance/article-109373-4962-2-7-spring-fixes-to-boost-your-homes-value?ywaad=ad0035

it's animal ways angry to you

some unique pictures of obese women

5 world's fastest train

1. Shinkansen - Japan.
300 km/jam (186 mph), top speed 581 km/jam (361 mph)

Japan with its technology has been able to realize the gifts of high-speed railway system that covers the entire country. Shinkansen, also known as bullet train, the train is one super fast, super safe (because, 40 years of operation without an accident that means) and super comfortable. In 2003, three JR-Maglev train carriages have been able to achieve speeds of 581 km / h (361 mph) on a magnetic track-tech Magnetic Levitation.

2.TGV. France.
320 km/jam (199 mph) top speed 574.8 km/jam (357.2 mph).

TGV is the best selling products from France, almost the same as the Eiffel tower and Baguettes icon. This speeds the train service was originally developed in the 1970s and opened to the public in 1981. At this time reaching 150 cities and towns in France and several foreign cities located in Belgium, Germany, Luxembourg, Italy and Switzerland.

Among the kinds and types of TGV, which is the most high-speed TGV Réseau Duplex and TGV, which is speed around 320 km / h (199 mph). In 2007, which is the operator SNCF and Alstom TGV TGV which is the Builder, has conducted a series of experiments. Official speed record held on April 3, 2007, when it reaches top speed TGV 574.8 km / h (159.6 m / s, 357.2 mph). This is the fastest conventional trains that use metal wheels on metal rails.

3. Shanghai Maglev Train. china
250 km/hours (160 mph), top speed 431 km/hours (268 mph)

("Shanghai Magnetic Levitation Demonstration Operation Line") is a magnetic levitation train (maglev) line near Shanghai, China. It is notable for being the first commercial high-speed maglev line in the world—during a test run on November 12, 2003, a Maglev vehicle achieved a Chinese record speed of 501 km/h (311 mph). The journey was designed to connect Shanghai Pudong International Airport quickly to the outskirts of central Shanghai where passengers could interchange for their final destinations in the city centre. Construction of the line began in March 2001 and public service commenced on January 1, 2004.
4. CRH. China.
350 km/jam (217 mph), top speed 394.3 km/jam (245 mph)

China Railway High-Speed, is the designation for high-speed trains running on this rail system. At the beginning of the run, all trains were marked "CRH" on the central of the head vehicle and the side of the walls of each vehicle. Soon however, it was changed to the Chinese characters on all of the train. CRH1/2/5 are expected to have a maximum speed over 200 km/h.^{[citation needed]} CRH3 has a normal operating speed of 350 kilometres per hour (220 mph).^[1] and the next generation of CRH2 is in development. CRH was a major part of the sixth national railway speedup which was implemented on April 18, 2007. However, not all high-speed trains in China are named CRH. Each train is formed of eight coaches with a capacity of between 588 to 668 people, depending on the formation of the train. CRH1 are built by a joint venture, Bombardier Sifang Power Transportation in Qingdao, Shandong Province. China Northern Locomotive and Rolling Stock Industry (CNR), China, is supplying 60 CRH5 200 km/h eight-car trains based on Alstom technology. These trains are designed to meet UIC and EN international standards and each vehicle utilises a high-strength aluminium alloy bodyshell weighing just 8.5 tonnes.

5. AVE. Spain.
300 km/jam (186 mph)

AVE, yang berarti Spanish High Speed (Alta Velocidad Española),

the beauty of a nuclear bomb from a distance

America's Most Stressful Jobs 2010

With unemployment high, many people with jobs are grateful to get their weekly paychecks, but that feeling alone doesn't take the stress out of the daily grind.

To get a sense of the most stressful jobs in America, CareerCast.com looked at 21 different factors that can cause stress on the job, and ranked 200 professions by how significantly these demands factor into the average workday. Factors that weighed into stress levels included work environment, job competitiveness, opportunity for advancement and even perceived risk of unemployment.

CareerCast has also included a range of unemployment each profession faces around the country, a number which contributes to perceived risk of unemployment.

Here are the most stressful jobs in America:

1. Firefighter

Stress Rank: 200
Stress Score: 110.936
Unemployment: 0%-4%
Hours Per Day: 11
Time Pressure: Very High
Competition: Low

"Firefighters frequently work irregular or unusual hours, or remain on call throughout the night. They risk heat exhaustion, smoke inhalation, and serious injury while on the job, and even the state of anticipation preceding a major threat can be highly stressful in itself. Firefighters are also sometimes required to spend long hours outdoors in bad weather," says CareerCast.com.

2. Corporate Executive

Stress Rank: 199
Stress Score: 108.625
Unemployment: 0%-4%
Hours Per Day: 11
Time Pressure: High
Competition: High

"This highly competitive field requires detailed knowledge of the financial community, economic trends as well as technological developments and implications. Senior executives are expected to excel in many different fields at once, and face daily pressure to make far-reaching decisions that can affect numerous employees and their company’s bottom line," says CareerCast.com.

3. Taxi Driver

Stress Rank: 198
Stress Score: 100.491
Unemployment: 14%+
Hours Per Day: 9.5
Time Pressure: Moderate
Competition: Moderate

"Taxi drivers generally work erratic hours, including late nights and weekends. High speed driving in traffic, especially in major cities, is quite dangerous, and they frequently drive in bad weather conditions as well. In addition, taxi drivers are confined to their vehicle all day with a supply of cash, making them vulnerable to criminals," says CareerCast.com.

4. Surgeon

Stress Rank: 197
Stress Score: 99.463
Unemployment: 0%-4%
Hours Per Day: 11
Time Pressure: Moderate
Competition: High

"Surgeons can be required to work at odd hours, and many operations take hours to complete. Operating calls for extreme precision and attention to detail, and can require quick decision making with life or death consequences. In addition, rising malpractice insurance costs are a major cause of stress for many surgeons," says CareerCast.com.

5. Police Officer

Stress Rank: 196
Stress Score: 93.893
Unemployment: 0%-4%
Hours Per Day: 9.5
Time Pressure: Moderate
Competition: Low

"Police officers face potentially life-threatening situations daily. Shifts can be long and strenuous, especially in emergencies, and work requires both physical and emotional strength.

Other possible stress factors include interacting with the public and providing medical attention to injured parties," says CareerCast.com.

5 Biggest Allergy Myths

1. Myth: The cleaner, the better.

Fact: As we mentioned, a little dirt and germs help build up your immune system, so you don't have to endlessly dust and bleach. But experts do say that you should follow some basic guidelines. For starters, try to vacuum once or twice a week with a model that has a HEPA filter; this will trap pollen particles and other irritants instead of sending them back into the room through the exhaust. (Using a double bag-available for most vacuums-also works well.)

To reduce other irritants that tend to hang in the air, equip your furnace with a heavy-duty filter (look for ones with a rating between MERV 8 and MERV 11) and change it at least every 2 months, advises Stanley Fineman, MD, an allergist with Atlanta Allergy & Asthma Clinic in Georgia. If you can, keep your windows closed to cut down on pollen coming in, and leave your shoes at the door to avoid tracking allergens through your house. Wash your bedding once a week in hot water (130°F), and use allergen-proof encasings that zip around your mattress, box spring and pillows, advises Anne Miranowski, MD, a pediatric allergist in Fairfax, Virginia. Showering at the end of the day will also help cut down on the pollen particles that you bring into bed with you.

2. Myth: You don't need to take medication until your symptoms flare up.

Fact: Most allergy meds work best if you start them before symptoms kick in. "You want to have them in your system when you're first exposed," says Richard Honsinger, MD, clinical professor of medicine at the University of New Mexico School of Medicine in Albuquerque. When you come in contact with an allergen like pollen, grasses or weeds, the cells in your respiratory tract release histamine and other chemicals like leukotrienes, which cause the itching, sneezing and other symptoms. If you already have a drug in your body when you're first exposed, you'll prevent histamine (or leukotriene) from triggering an allergic reaction. If you know you get sneezy and wheezy at the same time every year, consider taking meds a week or two before pollen season starts.

If what you're doing isn't helping your symptoms and you can't pinpoint the cause, ask your doctor about seeing an allergist and getting tested. Also, if you repeatedly get sinus or other respiratory infections, finding out your specific triggers can help you avoid them.

3. Myth: Allergy shots are only for kids.

Fact: They can work at any age. In fact, research shows that allergy shots reduce symptoms in about 85 percent of people who have hay fever. Typically, the shots (a.k.a. immunotherapy) are a blend of small amounts of various allergens that you react to. The theory is that by exposing yourself to them gradually, you'll build up tolerance and decrease your sensitivity so that when you come across the allergen naturally, you won't react, explains Dr. Miranowski. Often, in the initial phase, you'll get shots once or twice a week with increasing doses of allergens for 6 or more months. Next is the maintenance phase (shots every 2 to 4 weeks for the next few years). Can't stand needles? Ask your allergist about sublingual immunotherapy, in which drops are placed under your tongue daily. "It's probably not as effective as the shots and insurance doesn't always pay for it, but it's convenient," Dr. Horne says.

4. Myth: If you didn't have allergies as a kid, you won't as an adult.

Fact: This misconception often stands in the way of adults figuring out that their itchy throat and sneezing isn't a cold. While the vast majority of allergies develop before age 30, "it's very common for people to get them later in life," says Dr. Honsinger. "Plus, some young people's allergies go away but then they crop up again later." If you had eczema (atopic dermatitis) as a child or if allergies or asthma run in your family, you're on notice: You could develop an allergy to anything, anytime. If you've never had allergies but are now a sneezy, drippy mess, here are some clues it's probably not a cold: Your nose, eyes and throat are itchy; your nasal discharge is clear and thin; and your symptoms have lasted more than 2 weeks.

5. Myth: An allergy to one thing means you'll react only to that thing.

Fact: Having certain allergies makes you more prone to developing others. For example, people who are sensitive to certain pollens can also react to plant-based foods and beverages with similar proteins. So if you're allergic to birch tree pollen, eating raw apples, peaches, pears, cherries, carrots, hazelnuts or almonds could cause itching in your mouth or throat, particularly during pollen season. Similarly, if you're allergic to ragweed, having cantaloupe, bananas, cucumber, zucchini, sunflower seeds or chamomile tea could trigger these symptoms. Not everyone will have this kind of crossreaction, so there's no need to go out of your way to avoid these foods if you haven't had a problem before, but keep it in mind. Peeling the fruit or vegetable (proteins are often in the skin) or cooking it (which can change the proteins) can also help.

5 Money Mistakes You Might Be Making (and How to Avoid Them)

If you could have more money in your checking account, you'd definitely take it, right? It probably comes as no shocker to you that it's really easy to let your funds slip away. But what you might find surprising is how simple it can be to turn things around for the better. Here are 5 common money mistakes with doable solutions.

Money Mistake #1: My Money Is Disappearing

No one starts the month planning to fritter away a small fortune, but that’s what can happen when minor expenses spiral out of control. It’s not just shopping at Saks that gets you into trouble. Seemingly innocent purchases — $15 jeans at Target, a few things for the kids at a two-for-one sale, the occasional Frappuccino — can do real damage to your bottom line.

What does it take to waste $10,000 a year? Just $27.40 a day. “You can undermine some of your most important goals with purchases you’ll never remember,” says Suzanna de Baca, president of Private Capital Solutions Group, a Des Moines, IA, investment advisory firm.

The fix: Know thyself financially. First step: Take five minutes and read through your latest bank statement. If the transactions seem unrecognizable and you have no idea why you went to the ATM a dozen times, spend a week tracking your spending (longer, if possible).

You can use a notebook, keep receipts in an envelope, try software like Quicken, or check out an online budgeting tool, like these two money sites we tested. Whichever you choose, find a money-tracking method that lets you see your purchasing patterns with fresh eyes.

Tip: Simple Ways to Save on Groceries

Money Mistake #2: I Throw Away Cash

Who would pass up free money? Maybe you, if you make only the minimum contribution to your employer’s 401(k) savings plan — or opt out of the plan on the grounds that money is tight. According to the 2008 Wachovia Retirement Survey, only about a quarter of women with 401(k)s contribute the maximum allowed. Puny 401(k) contributions mean you aren’t taking full advantage of any free matching funds your company offers. Says De Baca: “If your boss offered to add $25 to your weekly paycheck, would you turn it down? Of course not.” Most employers match all or part of the first 3 to 6 percent of pay employees contribute.

That might not sound like much, but take a look at the math: Assume your company will kick in 50 cents for every dollar you put in, up to 5 percent of your salary. If you’re 40 and making $40,000 but decide not to fund your 401(k), you could be giving up almost $230,000 over 25 years.

The fix: If money is so tight you can’t imagine saving two bucks, start small. You don’t have to put in the maximum $15,500 annual contribution ($20,500 if you’re 50 or older). Instead, increase your contribution by 1 percent of pay a year, until you get the full match. One painless way to save: When you get your next raise, use all or part of it to bump up your 401(k) contribution.

If your employer doesn’t offer a match, that doesn’t mean you should skip making contributions. Remember, a 401(k) lets you put away money tax-deferred. This doesn’t just lower your current tax rate; your earnings can really grow, because Uncle Sam isn’t taking a bite out of them.

Tip: Learn How to Protect Your Savings, Stock, 401(k), and Other Assets

Money Mistake #3: My Kid’s Budget Runneth Over

Many parents find themselves wrestling with financial discipline when it comes to their children, says Galia Gichon, creator of “My Money Matters” Kit, a box of financial tips and workbooks. Whether it’s snacks for the little ones at the market or new skate shoes for your tween, “it’s amazing how quickly saying yes can add up,” says Gichon, a New York City financial planner and mother of two.

Tip: How to Get the Best Deal on Absolutely Everything

The fix: Rather than simply saying no to your kids’ endless wish lists — which can lead to wrenching battles — protect your budget and sanity by teaching your children Money Management 101. “Distract and delay” tactics work especially well for children age 6 and under. If your young daughter is jumping up and down for something she wants at the store, says Gichon, “try focusing her attention on something else, or acknowledge what she wants and say that you can talk more about it later when you’re home.” You may have to endure a little complaining, but your child gets an important message about not buying things on a whim.

Tip: Need Help Sticking to a Budget? Try These Tips

Money Mistake #4: I Never Saw a Windfall I Couldn’t Spend

Whether you receive a raise, a tax refund, or a generous birthday check from Aunt Dotty, it’s hard not to view a windfall as an excuse to go shopping. Splurging can be fun, but that’s rarely the best use of your extra cash. “Few Americans are saving enough to cover day-to-day crises, never mind the future,” says Jonathan Pond, author of Grow Your Money!

The fix: To make sure you don’t feel deprived, earmark some of the newfound money for a modest treat (Aunt Dotty would want it that way). Gichon suggests using 5 or 10 percent for something fun: “That way you do something for yourself — while deciding what to do with the rest.”

Put the remainder of the money where you won’t be as tempted to touch it. Consider an FDIC-insured, high-yield online savings account such as the one offered by ING Direct. It has no minimum balance requirement or fees, and this account typically pays higher-than-average interest rates.

Next, consider where the money would do you the most good. Tackle any small, urgent problems first — a sore tooth, the clunking sound your car makes, leaky windows. This will help avert the hardship of paying for a string of bigger expenses later on as little problems snowball into debt.
Set aside some of your windfall for expenses that you can’t predict precisely but you know will be coming sometime. “You may not know when your cell phone will quit or the water heater will break, but they will,” Pond advises.

Tip: Check Out 25 Ways to Save More Money This Year

Money Mistake #5: I Forget What I’m Worth

If you’re a stay-at-home mom or you work part-time, you may not have enough life insurance. Many women are under­insured because they’ve under­estimated their income or the value of their contributions to the household. De Baca recalls one client whose wife died in her 30s and had only a $100,000 life insurance policy, which didn’t cover the need for child care for the couple’s young children or the housekeeping chores the client then required.

The fix: A rule of thumb to determine the amount of insurance coverage that you need — multiply your annual expenses by the number of years until your youngest child will turn 18. (Some parents may also want to factor in the future cost of their kids’ college.) Life insurance premiums actually have plummeted in recent years. So if you’re a healthy nonsmoker in your 30s or 40s, you can now buy a $500,000 term insurance policy for about $40 a month.

You and your partner should revisit your insurance coverage annually — or at least after a major event, like the birth of a child. “It takes a lot to run a household, and you want to be covered,” says De Baca.

Tip: Learn How You Can Pay Less for Insurance

What are your biggest hurdles when it comes to savings? Have you discovered any tips for stashing more in the bank?

Foal may be world's smallest horse

In Photos: Newborn stallion weighs in at just six pounds

If baby animals are "cute," then how does one describe Einstein the newborn pinto stallion? Super-incredi-adora-cute? Weighing in at just six pounds, the New Hampshire-born foal may be the world's smallest horse. Dr. Rachel Wagner, Einstein's co-owner, says the Guinness record for the smallest newborn horse is 9 pounds. Wagner notes Einstein shows no signs of dwarfism, unlike the current record holder. Photos of Einstein standing next to a young child and a bemused Saint Bernard really put the horse's 14-inch frame in perspective. All together now: "Awwww!"

Bad habits can age you by 12 years, study suggests

CHICAGO - Four common bad habits combined — smoking, drinking too much, inactivity and poor diet — can age you by 12 years, sobering new research suggests.

FILE - In this Tuesday, June 3, 2008 file photo, an employee takes a drag on a cigarette at Morgan's Place bar and restaurant in Harrisburg, Pa. Four common bad habits combined — smoking, drinking too much, inactivity and poor diet — can age you by 12 years, sobering new research suggests. (AP Photo/Carolyn Kaster, File)

The findings are from a study that tracked nearly 5,000 British adults for 20 years, and they highlight yet another reason to adopt a healthier lifestyle.

Overall, 314 people studied had all four unhealthy behaviors. Among them, 91 died during the study, or 29 percent. Among the 387 healthiest people with none of the four habits, only 32 died, or about 8 percent.

The risky behaviors were: smoking tobacco; downing more than three alcoholic drinks per day for men and more than two daily for women; getting less than two hours of physical activity per week; and eating fruits and vegetables fewer than three times daily.

These habits combined substantially increased the risk of death and made people who engaged in them seem 12 years older than people in the healthiest group, said lead researcher Elisabeth Kvaavik of the University of Oslo.

The study appears in Monday's Archives of Internal Medicine.

The healthiest group included never-smokers and those who had quit; teetotalers, women who had fewer than two drinks daily and men who had fewer than three; those who got at least two hours of physical activity weekly; and those who ate fruits and vegetables at least three times daily.

"You don't need to be extreme" to be in the healthy category, Kvaavik said. "These behaviors add up, so together it's quite good. It should be possible for most people to manage to do it."

For example, one carrot, one apple and a glass of orange juice would suffice for the fruit and vegetable cutoffs in the study, Kvaavik said, noting that the amounts are pretty modest and less strict than many guidelines.

The U.S. government generally recommends at least 4 cups of fruits or vegetables daily for adults, depending on age and activity level; and about 2 1/2 hours of exercise weekly.

Study participants were 4,886 British adults aged 18 and older, or 44 years old on average. They were randomly selected from participants in a separate nationwide British health survey. Study subjects were asked about various lifestyle habits only once, a potential limitation, but Kvaavik said those habits tend to be fairly stable in adulthood.

Death certificates were checked for the next 20 years. The most common causes of death included heart disease and cancer, both related to unhealthy lifestyles.

Kvaavik said her results are applicable to other westernized nations including the United States.

June Stevens, a University of North Carolina public health researcher, said the results are in line with previous studies that examined the combined effects of health-related habits on longevity.

The findings don't mean that everyone who maintains a healthy lifestyle will live longer than those who don't, but it will increase the odds, Stevens said.

___

On the Net:

Archives: http://www.archinternmed.com

5 Money Mistakes You Might Be Making (and How to Avoid Them)

If you could have more money in your checking account, you'd definitely take it, right? It probably comes as no shocker to you that it's really easy to let your funds slip away. But what you might find surprising is how simple it can be to turn things around for the better. Here are 5 common money mistakes with doable solutions.

Money Mistake #1: My Money Is Disappearing

No one starts the month planning to fritter away a small fortune, but that’s what can happen when minor expenses spiral out of control. It’s not just shopping at Saks that gets you into trouble. Seemingly innocent purchases — $15 jeans at Target, a few things for the kids at a two-for-one sale, the occasional Frappuccino — can do real damage to your bottom line.

What does it take to waste $10,000 a year? Just $27.40 a day. “You can undermine some of your most important goals with purchases you’ll never remember,” says Suzanna de Baca, president of Private Capital Solutions Group, a Des Moines, IA, investment advisory firm.

The fix: Know thyself financially. First step: Take five minutes and read through your latest bank statement. If the transactions seem unrecognizable and you have no idea why you went to the ATM a dozen times, spend a week tracking your spending (longer, if possible).

You can use a notebook, keep receipts in an envelope, try software like Quicken, or check out an online budgeting tool, like these two money sites we tested. Whichever you choose, find a money-tracking method that lets you see your purchasing patterns with fresh eyes.

Tip: Simple Ways to Save on Groceries

Money Mistake #2: I Throw Away Cash

Who would pass up free money? Maybe you, if you make only the minimum contribution to your employer’s 401(k) savings plan — or opt out of the plan on the grounds that money is tight. According to the 2008 Wachovia Retirement Survey, only about a quarter of women with 401(k)s contribute the maximum allowed. Puny 401(k) contributions mean you aren’t taking full advantage of any free matching funds your company offers. Says De Baca: “If your boss offered to add $25 to your weekly paycheck, would you turn it down? Of course not.” Most employers match all or part of the first 3 to 6 percent of pay employees contribute.

That might not sound like much, but take a look at the math: Assume your company will kick in 50 cents for every dollar you put in, up to 5 percent of your salary. If you’re 40 and making $40,000 but decide not to fund your 401(k), you could be giving up almost $230,000 over 25 years.

The fix: If money is so tight you can’t imagine saving two bucks, start small. You don’t have to put in the maximum $15,500 annual contribution ($20,500 if you’re 50 or older). Instead, increase your contribution by 1 percent of pay a year, until you get the full match. One painless way to save: When you get your next raise, use all or part of it to bump up your 401(k) contribution.

If your employer doesn’t offer a match, that doesn’t mean you should skip making contributions. Remember, a 401(k) lets you put away money tax-deferred. This doesn’t just lower your current tax rate; your earnings can really grow, because Uncle Sam isn’t taking a bite out of them.

Tip: Learn How to Protect Your Savings, Stock, 401(k), and Other Assets

Money Mistake #3: My Kid’s Budget Runneth Over

Many parents find themselves wrestling with financial discipline when it comes to their children, says Galia Gichon, creator of “My Money Matters” Kit, a box of financial tips and workbooks. Whether it’s snacks for the little ones at the market or new skate shoes for your tween, “it’s amazing how quickly saying yes can add up,” says Gichon, a New York City financial planner and mother of two.

The fix: Rather than simply saying no to your kids’ endless wish lists — which can lead to wrenching battles — protect your budget and sanity by teaching your children Money Management 101. “Distract and delay” tactics work especially well for children age 6 and under. If your young daughter is jumping up and down for something she wants at the store, says Gichon, “try focusing her attention on something else, or acknowledge what she wants and say that you can talk more about it later when you’re home.” You may have to endure a little complaining, but your child gets an important message about not buying things on a whim.

Tip: Need Help Sticking to a Budget? Try These Tips

Money Mistake #4: I Never Saw a Windfall I Couldn’t Spend

Whether you receive a raise, a tax refund, or a generous birthday check from Aunt Dotty, it’s hard not to view a windfall as an excuse to go shopping. Splurging can be fun, but that’s rarely the best use of your extra cash. “Few Americans are saving enough to cover day-to-day crises, never mind the future,” says Jonathan Pond, author of Grow Your Money!

The fix: To make sure you don’t feel deprived, earmark some of the newfound money for a modest treat (Aunt Dotty would want it that way). Gichon suggests using 5 or 10 percent for something fun: “That way you do something for yourself — while deciding what to do with the rest.”

Put the remainder of the money where you won’t be as tempted to touch it. Consider an FDIC-insured, high-yield online savings account such as the one offered by ING Direct. It has no minimum balance requirement or fees, and this account typically pays higher-than-average interest rates.

Next, consider where the money would do you the most good. Tackle any small, urgent problems first — a sore tooth, the clunking sound your car makes, leaky windows. This will help avert the hardship of paying for a string of bigger expenses later on as little problems snowball into debt.
Set aside some of your windfall for expenses that you can’t predict precisely but you know will be coming sometime. “You may not know when your cell phone will quit or the water heater will break, but they will,” Pond advises.

Tip: Check Out 25 Ways to Save More Money This Year

Money Mistake #5: I Forget What I’m Worth

If you’re a stay-at-home mom or you work part-time, you may not have enough life insurance. Many women are under­insured because they’ve under­estimated their income or the value of their contributions to the household. De Baca recalls one client whose wife died in her 30s and had only a $100,000 life insurance policy, which didn’t cover the need for child care for the couple’s young children or the housekeeping chores the client then required.

The fix: A rule of thumb to determine the amount of insurance coverage that you need — multiply your annual expenses by the number of years until your youngest child will turn 18. (Some parents may also want to factor in the future cost of their kids’ college.) Life insurance premiums actually have plummeted in recent years. So if you’re a healthy nonsmoker in your 30s or 40s, you can now buy a $500,000 term insurance policy for about $40 a month.

You and your partner should revisit your insurance coverage annually — or at least after a major event, like the birth of a child. “It takes a lot to run a household, and you want to be covered,” says De Baca.

Tip: Learn How You Can Pay Less for Insurance

What are your biggest hurdles when it comes to savings? Have you discovered any tips for stashing more in the bank?

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10 Profile Pics You Should Never Upload When Dating Online

10 Profile Pictures to Never Upload

Whether you're on Facebook or eHarmony (or, God help you, MySpace), a profile picture is pretty important when it comes to your love life. Chances are, that new guy or girl you're convinced is the love of your life is going to look at your profile in depth. But, like it or not, no one cares what your activities are if you look like a freak in your photo. Here are ten types of profile pics to avoid making your own.

10. The Panorama. Hey, it's great that you love traveling so much that all your pics are you in front of world monuments (or just the local baseball stadium). But where are you? Oh that is you, in the sunglasses, the hat, and the big jacket, at the base of Mount Kilimanjaro? Funny, I can't tell a thing about you by looking at that pic.

Getting a Professional Profile Picture: The Good, the Bad and the Ugly

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9. The Insecurity Crop. Most people aren't looking for a perfect body; they would, however, like to know what your body is like before they meet you. A super-close shot of someone's face usually says as much about how insecure they are as it does about how hot they are.

8. The Baby Daddy Shot. If you have kids and you want your potential date to know that, fine. If you don't have kids and you want your potential date to think you like kids ... think again. I'm sure I'll find out you love your nieces and nephews on our first date, but when I see them in your picture, I assume you're the kind of guy who volunteers at a nursing home just to hit on the hot visiting granddaughters.

7. The Sloppy Snapshot. Yeah, you just want everyone to know you're so fun ... but if a guy clicks through your first five photos and there's a Jagerbomb in every one, he might question whether you need a date or a sponsor.

Shorter, Fatter, Balder: Men’s misleading online profiles

6. The Colorblind Pic. Using photo editing software to turn your picture black and white is great if you're going for a romantic engagement photo. In a profile pic, it's another form of an insecurity shot; we all know flaws show up best in full color.

Getty Images

5. The Stock Photo. The picture your company takes for "Employee of the Month" is nice and all, but this isn't a yearbook. A standard blue background and business-wear sends a message that you're too boring to do the sort of activities where people actually take pictures.

4. The Fluent-in-Sign-Language Shot. Hey, guys, I know you don't know where to put your hands, but please do not put them in front of your body doing any of the following: one thumb up, two thumbs up, pointing at the guy next to you with a fake-pensive look on your face, making a "Who me?" gesture, making mock gang symbols, or demonstrating the Shocker.

Facebook Photos: To Tag or Not to Tag?

3. The Outdated Photo. If all your pics are you in college gear and college bars, rocking fashion from 2005, or simply looking way too fresh-faced to match the fact that your profile says you're 28, we're going to wonder what part of aging doesn't agree with you.

2. The Hipster Pic. Oh, girl, you're such an individual with your dirty hair in your face and your refusal to smile. Maybe other members of the doucheoisie are attracted to the "ironic" angle at which you snapped your pic ... enjoy your new boyfriend's mustache and loft.

1. The Groupie Photo. Which one are you again? All I see is five guys with dark brown hair in button-down shirts. That one on the left is pretty cute ... oh, that's not you? Um, well is he on Match too??

What's Behind the Trend of Women Dating Younger Men?

There appears to be a trend of older women dating younger men, notably illustrated by celebrity couples including Demi Moore and Aston Kutcher, Halle Berry and Gabriel Aubry, and the most recent fling between 48-year-old Linda Hogan and 19-year-old Charlie Hill. According to a study of 50,000 women daters over 30, conducted by an online dating site in 2007, more than one-third of the subjects showed interest in men at least 5 years younger. And in 2003, an AARP survey revealed 34 percent of 3,500 women (between ages 40 and 69) dated men who are 10 or more years younger than themselves. This trend appears to be shocking to some people, but I don't find it so unusual.

Socially, there's a role reversal of sorts going on, women are more powerful now than ever before and may want men who are younger, and perhaps, more flexible; men who can handle it if the woman's career and lifestyle takes priority over their own. Media portrayals in "Sex and the City" (like movie characters Smith Jerrod and Samantha Jones) and "Desperate Housewives" are also showing women that dates don't have to be older. Women who have high-powered careers -- or a well-developed self-image -- are exercising more choice. Women who have been divorced and are established single moms may enjoy having a playmate, someone to have fun with; who doesn't try to control her.

Can these older woman/younger man relationships last?

In my counseling office, I have seen many relationships succeed with this kind of older woman/younger man scenario.

The media focuses on the age difference, but what really makes or breaks the relationship is how well the couple can form a partnership that works

The media focuses on the age difference, but what really makes or breaks the relationship is how well the couple can form a partnership that works.

Age difference is an adolescent worry: When you're a teenager, an age difference of even two or three years makes a vast difference in your experience and your outlook on life. Such a difference can interfere with communication, life goals, outlook, and relationship experience. In addition, for the young, the social reaction to such a relationship is often negative. If one partner is underage, a sexual relationship is even against the law.

But, as you get older, life experience and emotional growth help to equalize your relationship skills and resources. A 10-year or more difference in your ages makes little difference in how well you can conduct your relationship.

Don't focus on an arbitrary numbers difference in your ages. If you are getting along, you have good communication and problem solving, and you love each other, that's a precious thing, and far more important than any age difference could be. If other people have a problem with it, let it be their problem.

Whether or not a relationship is healthy is not determined by age differences, but by the interaction between the partners. A 10-year difference is not too difficult to bridge, but a 20-year differences or more in age can lead to some difficulties as the partners get older. For example, the younger partner may mature and reconsider his or her choices, or an older partner may confront aging problems much sooner. But, as long as both parties are adult, and the couple has talked about their age difference and the future possibilities, I don't make judgments about their respective ages.

Dealing with the generation gap

There are healthy and unhealthy reasons to date someone of a different generation.

One inappropriate motivation for dating a younger person is fear of aging on the older person's part.

One inappropriate motivation for dating a younger person is fear of aging on the older person's part. A younger partner isn't going to reverse the aging process or protect you from old age. Obviously, a man or woman who dates someone as young as his or her children is going to run into some social opposition, but the differences that can cause the biggest problems within the couple's relationship are differing maturity levels.

As more and more women choose younger partners for relationships, the question arises: Are women in their late 30s and early 40s likely to be successful with partners who are 10 to 15 years younger than themselves?

Success in these relationships depends on what the motivations of both people are. Some older people feel younger at heart than their contemporaries and like to date people who are as active as they are. Chronological age doesn't always reflect either physical capability or emotional maturity. Sometimes an age difference creates a mentoring relationship the older person advises the younger one on life or career. This can backfire if and when the younger person decides he or she has learned enough, and wants to move on.

If you're asking: "Is it OK for me to have a partner who is much older or younger than I am?" You'll do better off if you forget about your ages and concentrate on whether the relationship works for both of you, or not. What really makes a romantic relationship succeed is the emotional connection.

Seven Warning Signs of a Troubled Relationship

When couples wait too long to ask for help, the relationship may be beyond repair. The sooner help is sought, the better chance there is of recovering, saving and actually strengthening the relationship. This includes issues dealing with affairs or other types of betrayal.

The longer we wait, the more entrenched we get in destructive patterns and resentment and all hope for change is lost.

The longer we wait, the more entrenched we get in destructive patterns and resentment and all hope for change is lost. At a certain point we don't even want change... we just want to be done.

The seven warning signs that a relationship is in trouble are:

1. Fighting has become the rule rather than the exception to the rule.

2. You find yourself looking outside the relationship for comfort, care, and understanding.

3. You can't remember what attracted you to your partner in the first place.

4. There is little or no intimacy in your relationship -- sleeping in different rooms or different beds, lack of interest, anger, and hostility so that intimacy is out of the question.

5. Spending very little time together, friends seem to be more important than your partner.

6. Reactions to situations are disproportionate to the content of the disagreement (i.e., feeling your partner doesn't love you because she/he didn't like the meal you cooked).

7. Feeling helpless and hopeless to change anything. Feeling done with the relationship, but unclear as to where to go and what to do. Feelings of anger, resentment, pain, and desperation are predominant.

If any or all of these describe you in your relationship, your relationship is in trouble and it won't be long before something more drastic happens, such as an affair, arguments get worse and inflate with intensity, increased jealousy, silence for longer periods of time, and sometimes even physical and/or verbal abuse.

Before your relationship reaches that critical crisis point, look at the warning signs and do something before it's too late:

1. Seek psychotherapy
2. Read books
3. Talk to a spiritual/religious advisor

Without help, the relationship will never get better with time; once a certain level of resentment, anger, and hostility hits, it will simply get worse and worse. Avoiding a total crisis and saving the relationship is done by knowing when you're in trouble and taking immediate action.

Dating Tips: 10 Signs He's Not 'The One'

Some people say they "just knew" that they were dating their future spouse. But what about the rest of us? What happens when you're not sure if he's The One? If you're considering long-term commitment or marriage, it's time to ask yourself some tough questions. Below, 10 signs that may indicate he's not for you.

1. You have a list of things he needs to stop doing/saying/wearing if he wants your relationship to work. If you're fixating on his flaws, he's either not the one you want or you're not ready for a serious relationship. Cutting him loose allows you time to grow and gives you the opportunity to meet a guy whose flaws you can embrace -- or at least accept.

2. You don't trust him. A small dose of jealousy can be healthy, but if you're hacking into his email account, and going berserk when he goes out without you, something's wrong. If there's something about him that truly warrants your distrust, then perhaps he's not the right one for you.

3. You avoid conflict at any cost. Fighting is healthy. And, when done right (in the non-accusatory, rational sort of way), it can be a great way to air grievances, fix problems in your relationship, and come to a deeper understanding of each other. Ignoring problems is not the same as having no problems at all... even if it looks that way.

4. When you're sad, you don't turn to him for comfort. When you're a giant ball of tears and snot, do you lock yourself into the bathroom so he can't see you at your worst? If you're worried about scaring him away, one of you isn't ready for total commitment. Mr. Right should make you smile through your tears and be a calming, not stressful, presence.

5. One of you is struggling with an addiction. He's sweet. He's exciting. He loves you very much. But he loves his alcohol habit or his weekly gambling fix more. Don't fool yourself into thinking that you can change him or that your relationship will be strong enough to withstand the heartache that addiction will inevitably bring. An addict may be able to change, but he'll do so on his own terms.

6. You can't really imagine him as the father of your children. Ask yourself: Would he make a great parent? Is he financially responsible? Would he be an equal partner in your future together? If you have doubts, he's probably not the one.

7. Your long-term, non-negotiable goals in life are incompatible. You want kids; he doesn't. You go to church every week; he's an atheist. He lives in the country and doesn't want to move; you can't imagine ever leaving the city. Superficial differences can be overcome, but differences in basic values are harder to smooth over. Ask yourself: "Would I be willing to compromise on this?" If the answer is absolutely not, you may not be right for each other.

8. You don't respect each other. He puts you down in front of your friends and complains about you to his parents. You roll your eyes when he talks because there's just something about him that embarrasses you. A relationship without respect can't sustain itself.

9. You're not attracted to him. Physical intimacy is a hugely important component of a romantic relationship. If he doesn't do it for you, he's probably not your best long-term match.

10. On paper he seems great, but you have this strange feeling... Don't ignore your gut. You may get along on a superficial level, but if your instincts are telling you he's not the one for you, listen. That little voice inside your head does not lie.

Simple Tricks to Remembering Names

Is it Joe or Jim? Sally or Susan? Here's some help.

Few situations will make you cringe more than standing next to someone you've met several times and drawing a blank on his or her name.

Plenty of business deals and romantic rendezvous have been foiled because someone failed to recall the right name at the right time. In the Web age e-mail and social networks offer safe harbor; being able to use someone's name (and pronounce it correctly) in a face-to-face situation can set you apart.

"Everyone struggles with remembering names," says Jill Spiegel, author of How to Talk to Anyone About Anything. "When we first meet someone we're taking in so much visually and emotionally. They say their name, but it's up there floating in our heads." Making matters worse are all the single-syllable American male names, like Chris, Mike or Tom, that tend to blend together.

There are tricks to remembering names. Master even one or two and you'll be in good shape.Benjamin Levy, author of Remember Every Name Every Time, advocates the FACE method: "focus, ask, comment and employ." Focus: Lock in on the person's face. Ask: Inquire which version he prefers ("Is it Ted or Theodore?"). Comment: Say something about the name and cross-reference it in your head ("My college roommate's name was Ted.") Employ: Put the name to use--"Nice seeing you, Ted"--to drive it home.

1. Repeat, Repeat, Repeat

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The most surefire strategy is to repeat the person's name--both in your head, and out loud--as soon as possible after you've been introduced. Occasionally use the person's name in conversation. "Pleasure to meet you, Bob," or "Bob, so good to see you." Don't overdo it, of course, but don't worry that Bob will recoil, either. He'd rather you remember his name than not.

2. Find the Trigger

Tom Berens

Try to associate names with things people tell you about themselves (careers, hobbies) that will trigger the sound or association of the name in your mind. Fred likes to fish, Margarita runs a bar--you get the idea. "You have to search in the moment for something familiar," says Spiegel. "It's a simple trick, but it just sticks."

3. Word Play

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Let the words do the work for you. Mnemonic devices (Dale works in sales) work nicely, as does alliteration (Joann from Jersey).

4. Speak Up

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Embarrassing as it seems, don't be afraid to ask someone to repeat his or her name. Start out with a compliment, such as "I've had so much fun talking with you, and I've completely forgotten your name." If you realize you've blanked on a name a few seconds after introduction, just say: "I'm sorry, I missed your name."

5. Lead the Way

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If you know that your name will be hard to remember or pronounce, do other people a favor and help them out. They'll return the favor--or, if you're chatting with a Mike or a Bob, maybe they'll make some big production out of their own common name, making it stick in your mind.

Once you've gotten over the hurdle of remembering someone's name, you might face the added dilemma of not knowing whether to address the person by a first or last name. Spiegel recommends starting with the person's last name followed by a flattering comment and a casual introduction, such as "Mrs. Smith, I'm such an admirer of yours. My name is Susan." The person just might respond, "Nice to meet you. I'm Mary."