tips for sizzling sex

Sex needs to be spontaneous and only then does it completely fulfill and please one. Here are three steps that will guarantee ultimate sexual pleasure.
Don't try too hard

When it comes to great sex, be natural. Trying too hard will make the process harder as no matter how hard you try to curb it, you will let your partner know that you are trying too hard. This is especially true for men who think if he doesn't try variety, the girl won't enjoy the sack session. So he might just try to pull off tricks that might actually turn her off, since she would realize he is not really into the act.
Don't think too much

There is the concept of Gourmet sex, which is touted to be the most fulfilling and satisfying form of sex. It basically means having sex with a free and easy mind and allowing it to be a satisfying experience. Bed is definitely not the place to think. This especially involves women who are extremely self-conscious of their image. While into the act, she is more busy thinking how the guy will react, or is she looking fat. This kind of stuff will pull you out of the moment and get you into a negative spiral where you become sexually ineffective.
Go for simple moves

Great sex is all about simple moves, done in the right manner at the right time. Yes, you have seen a lot of porn and read a lot of stuff and are highly educated on the variety of postures that a couple can enjoy. Wait a while before putting them to action. Good sex is about learning to feel not just with your hands, but with your fingertips too. It's not just being in-tune with her screams, but even to her breathing.
Do not aim at sexual perfection because no such thing exists. Just go with the flow and enjoy the experience.Source: www.timesofindia.indiatimes.com

eye care - tips to rejuvenate your eyes

Eye care- Tips to rejuvenate your eyes

 

Be it pollution, stress or examination tension, you have enough reason to be worried about your appearance. After all you don't want to be called 'Queen of dark circles' or Princess puffy eyes'. Fortunately, there are simple remedies to treat your eyes. You don't need to visit a cosmotologist or even a saloon. You can sit at home relax in your easy chair and take care of your eyes.

"The common advice given is to cool and relax one's eyes with slices of cucumber placed over eyelids".

A few drops of coconut oil massaged around the eyes helps get rid of dark spots.

When one does not have time for face packs, using an under eye concealer is the best option.

A solution of Glycerine and lemon juice applied around the eyes removes dark circles.

Also, cotton pads soaked in cold milk and placed around the eyes cools the eyes.

A mixture of safforn and honey applied around the eyes can do good.

It is believed washing ones face every night with rosewater refreshes the eye.

In order to remove puffiness from the eyelids and also for long eyelashes a thin coat of castor oil can be applied before going to bed.

Baggy or puffy eyes can be treated by keeping ice cubes on them.

Most people tend to dose off while reading. However, those who wear contact lenses must ensure that they take them off before sleeping as this could lead to puffy eyes.

Eat Healthy

Green leafy vegetables are a must. Carrot is good for eyes. Ensure that your diet is rich in Vitamins A, B and C.

Drink plenty of water

Your system needs purification.

Use user friendly make up

Make sure you remove your makeup before your retire to bed.

Finally sleep

It is important to get eight hours of sleep. You will feel revitalised and this will reflect in your eyes.

How to Overcome STRESS

STRESS cannot be done away unless the cause itself is removed. Good health and stress free life is all that one craves for. According to the American Dietary Association, the main hazard of stress is not that we need more nutrients, but that anxiety or pressure can cause us to neglect proper dietary habits. Prolonged periods of stress lead to depletion of Vitamin C, B and D. Food changes our brain chemistry in a way that it influences our moods.

The key to our emotion lies in certain chemicals in the blood stream. These are called neuro-transmitters. These are produced from the nutrients in the food. Hence, the need for nutritious and balanced diet is a must to free ourself from the physical and mental diseases and relieve stress. A balanced diet should be defined from the nutritional point of view. As one which contains different types of food in such qualities and proportions; the micro-nutrients like minerals and vitamins and macro nutrients like proteins, fats and carbohydrates is adequately met. And a small provision is made for extra nutrient to withstand short duration of leanness (infections in the body).

Source: www.viewbestads.com

 

browsing tips for better productivity

You probably spend a good amount of your computing time within the confines of a web browser.

But are you making the most of that time?

You’re not if you are relying on the same old browser habits that you developed years ago.

The good news: There are plenty of ways in which you can supercharge your web browsing without resorting to a bunch of tricks that you’ll likely forget.

Read on to learn more.

Discover caret browsing

One of the best-kept secrets of both Internet Explorer (IE) and Firefox is the caret browsing feature. Caret browsing essentially makes web pages more keyboard-friendly – and web surfing a lot more productive, particularly if you spend much time at all selecting and copying text or graphics from a website.

With caret browsing activated, a text cursor appears within any web page, and moving the cursor around and highlighting text and graphics are very similar to performing the same actions in a word processing document. In caret mode, the Tab key moves you from one major section of a web page to another, and the Enter key will activate any link on which the cursor is positioned.

You can activate (and de-activate) caret browsing by simply pressing the F7 key in both IE and Firefox. Google’s Chrome has a version of caret browsing that involves first selecting some text and then using the Shift and arrow keys to select more.

Launch into full screen

Most elements of web browsers – menus, toolbars, status bars, and the like – are useless clutter once you’ve landed on a page that you want to read. To get rid of the clutter, simply tap the F11 key. All of the major browsers will launch into “full screen” mode, showing you just your web page and none of the browser controls you don’t need. Press F11 again to return to the browser’s previous state.

With Internet Explorer, you can still access your menus with in full screen mode. Just use the keyboard shortcuts (Alt-F, Alt-E, and so on), and the menus will hover over the web page.

Outsmart ads

One of the biggest time-zappers while surfing the internet today is waiting for ads to load – or waiting for them to leave you alone so that you can get to the content you need.
You can get rid of most ads altogether in a couple of ways. First, if you’re a Firefox user, head straight for Adblock Plus (http://bit.ly/12oUg). Install this plugin, and in no time bothersome ads will be a distant memory. This plugin can’t zap all ads, but it takes care of most of them. Chrome users also now have a beta version of Adblock plus (http://bit.ly/7EABcN) that they can try.

If you’re using IE, try Ad Muncher (http://bit.ly/3aCI27), which is also compatible with most other browsers.

Use the keyboard

Think about the operations you perform repeatedly in your browser using the mouse. There are probably keyboard shortcuts for most of them that can save you a lot of time.
Do you frequently return to your home page, for example? Hold down the Alt key and tap Home (Alt-Home) Need to find something on a web page? Ctrl-F activates the Find box. Need a new tab? Ctrl-T takes care of it. And how about switching among open tabs? Ctrl—Tab does the trick. These tricks work in all of the major browsers

Try a form filler

Web forms are everywhere these days, and most of them ask for the same information: your name, address, e-mail address, and perhaps your credit card if you’re purchasing something. Make short work of entering all of that information by enlisting the help of a form filler. The two best ones are LastPass (http://lastpass.com) and RoboForm (http://www.roboform.com).

Source: www.viewbestads.com

tips for first-time home buyers

Markus Mullarkey, a 31-year-old product manager at CNET, bought his first home nearly two years ago. At the time, he and his fianc頷ere also planning their wedding and expected to spend a good chunk of their savings on the reception. So coming up with the traditional 20% down payment for their $560,000 dream home ? a 1930s craftsman bungalow near Berkeley, Calif. ? wasn't a possibility. "There were a lot of expenses right around then, and we knew coming up with a down payment would be a challenge," he says. Mullarkey's mortgage broker found a cost-effective solution for the young couple. By taking out two mortgages ? something the industry calls a piggybacked loan ? they were able to finance the home with just a 10% down payment. The arrangement also let them avoid paying private mortgage insurance, costly coverage lenders often require for low-down-payment loans. That shaved $100 from their monthly mortgage costs.
The biggest challenge for most first-time home buyers is saving up enough money for a down payment ? especially in markets like San Francisco and New York City, where home prices have soared over the last few years. But thanks to a growing assortment of financing options, it's increasingly possible to find mortgages for as much as 97% of a home's value. In other words, you could put down as little as $5,514 for a home that costs $183,800, the national median in 2004, according to the National Association of Realtors.
Sounds great, doesn't it? And for some cash-strapped home buyers, these deals could make financial sense. But they can also be expensive. As Keith Gumbinger of HSH Associates, a mortgage-tracking firm, puts it, "There is no free lunch." For starters, you'll get stuck with a higher interest rate on a loan with a teeny down payment. And because lenders figure the odds are higher that you'll walk away from your loan if you have almost no equity in your home, you'll have to buy private mortgage insurance, which covers the bank if you default. That usually adds a 0.5% to 0.75% premium on top of your interest rate, says Jeff Lubar, a spokesman for the Mortgage Insurance Companies of America. So on a $178,286 loan (or 97% of the median home price) you could end up paying an extra $75 to $110 a month.
But even with these higher costs, there are still plenty of reasons it makes sense to own your own home. Besides the intangible benefits, homeownership lets you build equity, and is the single biggest tax break available to most consumers. For more on deciding whether you are better off renting or buying, click on our calculator.
So what if, after crunching the numbers, you decide it's time to buy your piece of the American Dream? Here's our look at some smart strategies for first-time home buyers.
First: Pay Off Your Debt

It's a common mistake for home-buyers-to-be: They focus on saving as much money as possible for a down payment instead of paying off other debts. A better approach is to use extra cash to eliminate credit-card and other high-interest consumer debt ? even if that means you can put down less on your future home, says Lori Vella, senior vice president of national lending for Washington Mutual.
Why? First, credit-card debt is expensive and limits your ability to save. The average interest rate on credit cards now stands at 13.8%, or more than double the 5.33% national average for a 30-year fixed-rate mortgage, according to Bankrate.com. Second, credit-card debt will limit how much you can borrow. That's because lenders won't allow your total monthly debt service ? which includes payments for credit cards, student loans and car loans, as well as homeowner's insurance, property taxes and a mortgage ? to exceed 40% of your gross income, Vella says.
How Much Can You Afford?

The answer to that is a function of two things: How much you can borrow and how much of a down payment you can muster. As a rule of thumb, your annual mortgage payment, taxes and homeowner's insurance shouldn't exceed 28% of your gross income. Then determine how much cash you have for a down payment, leaving yourself enough left over to pay those pesky closing costs, which can add up to 3% to 5% of your total home's value (plus a little something extra for emergency repairs once you move into your new home).
Still having trouble figuring it all out? Click here for SmartMoney.com's home-buying worksheet.
Types of Loans

Now you're ready to start shopping around for the right loan. As we said, a first-time home buyer with a steady job and good credit can put down as little as 3% these days. These loans are more available, and more reasonably priced, now that they're acceptable to Fannie Mae and Freddie Mac. (The two so-called government-sponsored agencies purchase mortgages worth up to $333,700 on the secondary market ? $500,550 in Alaska and Hawaii ? absorbing the original lenders' financial risk. And both will now buy 97% mortgages.) While rates vary, such a low-down-payment mortgage will run a half-point higher than a conventional loan, says Steve Majerus, senior vice-president of capital markets for E-Loan, an online lender. On our hypothetical 97% mortgage of $178,286, that extra half-point of interest adds $57 to the monthly payment.
But the more money you can muster for a down payment, the more options you will have. For example, Fannie Mae's new "start-up mortgage" allows borrowers who can put down 5% to qualify for a loan on a smaller salary than with a 3% down payment. You will need to find a Fannie Mae-approved lender to take advantage of this program. Click on Fannie Mae's Web site for a list of all of its products and approved lenders.
Private lenders are also coming up with their own programs to tap into the first-time home buyers' market. Washington Mutual, for example, offers a program for buyers with a 10% down payment: Instead of charging for mortgage insurance, the savings-and-loan builds the cost into the interest rate, making it tax-deductible (which mortgage-insurance premiums aren't).
And if you really want to get creative and avoid paying mortgage insurance altogether, you can do as Mullarkey did and take out two piggybacked loans. These are also referred to as 80-10-10s. First, you need to put down 10% of the home's value. Then, you take out a primary loan, usually a 30-year fixed-rate mortgage, for 80% of the home's value. This interest rate should be competitive. For the remaining 10%, you'll need to take out a 15-year fixed-rate mortgage at a far less competitive rate ? as much as two points higher than the market. Combine the two monthly costs to come up with your total mortgage payment. Due to the complexity, a piggybacked loan is a bit more expensive than a traditional mortgage and carries higher closing costs. Still, they tend to be cheaper than paying private mortgage insurance.
Questionable Credit

Worried you don't have perfect credit? Thanks to Fannie Mae's "expanded approval" program, consumers with slightly blemished credit can also qualify for mortgages at competitive rates that are as much as two percentage points lower than alternative financing. "These are people who might not qualify for fair-market value rates from traditional lenders," says Liz Bayless, director of single family product development at Fannie Mae.
If your credit's still not good enough for one of Fannie Mae's loans, you may yet qualify for a loan insured by the Federal Housing Authority, or FHA. These government-insured loans are issued with even more lenient credit criteria. You can also put down as little as 3% for an FHA loan, and can wrap your closing costs and fees into the mortgage. Interest rates are typically less than a quarter of a point higher than those in the conventional market. To get a government-insured loan, make sure you find a HUD-approved lender or a mortgage broker who works with one.
There's no income limit to qualify for an FHA-insured loan. However, since these loans are geared toward helping first-time home buyers and low- to moderate-income families, there's a limit to how much you can borrow. The amount varies from region to region, but it's capped at $290,319 in high-cost areas ($403,750 in Hawaii), says Laurie Maggiano, a HUD spokeswoman. To check your area's ceiling, click on the FHA mortgage limits page.
Down-Payment Assistance Programs

Still having trouble coming up with that down payment? Each year HUD gives states and municipalities money to distribute to low- and moderate-income families for housing. Much of it is put toward down-payment assistance programs. Many young prospective home buyers may qualify for a $3,000 to $5,000 grant (or in some cases a loan that's forgiven if a home buyer stays in the home for at least three years) to put toward their down payment or closing costs.
To qualify for a down-payment assistance program, a consumer typically can earn no more than 80% of a region's median income. Call your state housing finance authority, county housing and community development office or mayor's office for an application.
One final note of caution: Don't confuse any of these programs with no-equity loans being offered to people who already own their homes. These high-cost, high-risk home-equity loans are a bad idea. See our story to find out why.

Source: www.loan.yahoo.com