Archive for October, 2009

31 OctThe Lady in a Red Dress



The lady in red.

I don’t know why but there is just something about a woman in a red dress that screams pure sexiness. Whether you’re a regular-sized or a plus-size girl, wearing a red dress out to party or to a formal gathering seems to convey a strong personality that commands immediate attention from everyone. Once a woman steps out into the world in her perfect little red dress, she seems to shout out, “Hey, everyone! Look at me! I am strong and I am sexy and I am ready to take on the world!”

Choosing the right kind of red dress is thus crucial to a woman’s decision because red is such a powerful color that selecting the wrong style or design may spell out sexiness and strength in all the wrong decisions. Unlike “the little black dress” which exudes simple elegance, the mere decision of choosing red for a dress means that a woman is trying to put out a statement out there for all the world to see. Red is not really a subtle color and a woman choosing red has to possess some kind of strong character or personality to be able to brave wearing this dangerous yet equally elegant color.

Depending on a woman’s style and function, she can choose from so many designs and material and brands now readily available in the market. But I believe it requires a certain kind of attitude to be able to pull off this color in a dress. If you’re going to a prom for example, you can opt for a strapless chiffon belted dress to look both glamorous and sexy. With black stilettos and subtle yet elegant jewelry, you will surely turn heads wherever you go. If you’re going to a special date like anniversaries, a sleeveless, low neckline, sequined empire cut would be perfect. Or if you want to achieve that vintage glamour look, a red pencil dress will definitely make him swoon over you. A flirty tiered solid knit dress will never fail to impress in any party. If it’s a business meeting or gathering you’re going to, a red jacket dress will both create a seriously sexy look.

Brands like Lane Bryant, Fashion Bug, Avenue and Catherine’s offer an amazing collection of red dresses that will surely fit any occasion. Available in your local department store or in a more fancy boutique, you can always choose the right kind of red dress that will fit your budget. From classic styles to more adventurous and even eclectic designs, a woman will have a feast shopping for that perfect red dress. From lace to chiffon to even corset, the styles are limitless and a woman just needs to have an air of confidence to carry this red, hot number successfully.

31 OctHow Much Can I Get From 2009 Social Security Disability Benefits?

Is your pension secure?


How much will the SSA grant in supplemental income, and what benefits can you receive?

When you or a family member is unable to work due to a work-related injury or a severe medical condition, you can apply for Social Security benefits from the Social Security Administration.

How soon, and how often, will I receive Social Security disability benefits?

Once your application is approved, you will start receiving benefits in about 6 months. You will receive your Social Security benefits on a monthly basis.

How much will my benefits be?

The amount of your monthly disability benefits is based on your average lifetime earnings. You can get an estimate of your benefits from the SSA’s Benefit Calculator on their website. For guidance, below are the 2008 v. 2009 Social Security disability thresholds:

- 2008: Substantial Gainful Activity (SGA) – Non-Blind ($940 / month), Blind ($1,570 / month), Trial Work Period ($670 / month)

- 2009: Substantial Gainful Activity (SGA) – Non-Blind ($980 / month), Blind ($1,640 / month), Trial Work Period ($700 / month)

What kinds of benefits can I get?

In addition to a monthly amount, you may be eligible to receive other benefits. Additional Social Security benefits that you may be eligible for are:

- Supplemental Security Income (SSI) if you are 65 or older, blind, or disabled

- Food stamps

- Medicaid

- Medicare (after 2 years)

- Services under the Ticket to Work Program (allows you to go to work to earn more money)

When do I get Medicare coverage?

You will get coverage after you have received disability benefits for 2 years.

Is my family eligible to receive benefits?

Yes. Certain family members may qualify for benefits. They include:

- Your spouse, if he or she is 62 or older

- Your spouse, if he or she is financially supporting a child of yours who is either disabled or under the age of 16 younger

- Your child, if he or she is under the age of 18 and in school full time

- Your child, over the age of 18, if he or she has a disability that started before age 22

How much can a family member receive in benefits?

Each family member may be eligible for a monthly benefit of up to 50% of your disability rate.

Adjustments to your benefits:

Your Social Security benefits may change as necessary. Your benefits may change or be stopped if:

- The cost of living has gone up (in which case, your benefits would increase)

- Your medical condition improves

- There is any change in your ability to work

- You get married or divorced

- Your citizenship changes

What may cause my Social Security benefits to be temporarily or permanently stopped?

- You have an outstanding arrest warrant

- You are convicted of a crime

- You are also receiving Railroad Retirement benefits

- You earn more than $980 or more per month ($1,640 if you are blind)

- You violate a condition of your probation or parole

What may cause my Social Security benefits to be reduced?

Your Social Security disability benefits may be reduced if you receive other government benefits.

Your Social Security benefits may be reduced if:

- You are receiving workers’ compensation

- You work for an employer that does not withhold Social Security taxes from your salary (Windfall Elimination Provision)

- You receive a pension from a federal, state or local government based on work where you did not pay Social Security taxes (Government Pension Offset)

Social Security Attorneys and 2009 Social Security Disability:

What 2009 Social Security Disability changes will occur? A Social Security Disability attorney is an expert on disability law. Hiring a disability lawyer helps improve your chances of winning disability benefits and can impact the speed from date of application that you start to receive benefits. If you have questions about the 2009 Social Security Disability application, or if you have a case from a prior year that has not been awarded benefits, consider contacting an experienced disability lawyer.



Matt Berry is an Atlanta SSI disability lawyer focused on disability law. His team of Social Security attorneys is experienced with the 2009 Social Security Disability law.

31 OctFinding Credit Cards for People With Bad Credit



tely, credit cards for people with bad credit aren’t always easy to come by. In fact, the scams seem to outweigh the legitimate credit card opportunities. Does that mean that credit-challenged individuals are destined to roam cardless for eternity? Absolutely not. You just need to follow some sound advice…

There’s No Pie in the Sky

First and foremost, understand your limitations and realize there is no pie in the sky — no matter what someone tries to tell you. If you have credit problems, you’re not going to get a $10,000 credit limit at an interest rate of 9 percent just because you send someone $150 to process your application. What you’re going to get is a smack in the forehead when you realize that you’ve fallen for a scam.

Yes, there are credit cards for people with bad credit, but they’re going to have smaller limits and higher interest rates and probably even an annual fee. Anything that sounds too good to be true probably is — and you’ll do well to remember it.

Compare Your Options Carefully

Now, as for the legitimate credit cards for people with bad credit, they do vary widely from one to the other. Some bad credit credit cards offer reasonable annual fees, decent interest rates and even some added perks. Others charge somewhat ridiculous fees, higher percentage rates and no perks whatsoever. Apply for the better ones first.

Some companies, like Capital One, offer low-limit cards to people with credit challenges, but you still get all of the Capital One perks like great customer service, low rates, low annual fees and free online account management and bill payment services.

Other companies, however, charge processing fees, high annual fees, application fees, high interest rates and one company even charges almost $8 every time you make an online payment. If this is the only type of card you can qualify for, you might be better off going with a secured card and working your way up to a card like the one Capital One offers.

Just because you have bad credit doesn’t mean you should be abused by bad credit credit cards that charge ridiculous fees and you should never have to pay a credit card company to make a payment to them online. Remember, not all credit cards for people with bad credit card created equal and you need to carefully compare each and every one of the fees charged to make sure you’re getting the cards that’s right for you.



For more tips on credit cards for people with bad credit, saving money and avoiding getting taken, check out CreditCardWhizKid.com, a website that specializes in providing credit card tips, advice and resources.

31 Oct2 Things you Must Do If you Want to Secure your Future

Is your pension secure?


If I were to offer you a way of breaking out of your financial straightjacket, offer you unlimited wealth, and a secure pension, and said that in order to have any chance at all of success, it was going to cost you around £ 500.00 per month, what would be your answer?

If you were to say, as over 80% of people would – “I can’t afford it” – what do you think that does to your brain? It shuts down, ignores the issue, and that is the end of it.

If, however, you were to have answered “How Can I Afford It?” your brain is immediately thinking, trying to come up with a solution. The question may not have actually been asked of you, but you may have seen an advert for an investment, so you go to sleep that night, thinking “What is the solution?”, “Is there a way?” How Can I Not Afford it?”

The above is part of the Introduction to a Free e-book (no I am not trying to sell something in this Article) entitled “How to Ignore the Welfare State and Make Yourself Wealthy” written by a very good friend of mine called Geoff Morris.

Like me he is of an age (more than 50) where one looks at the life mapped out for them by, well, our Government for want of a better apt description, perhaps having a bit of savings or maybe (and more likely) a mortgage which is not finishing when ones Pension kicks in. How much will the Pension be – oh dear – how am I going to cope – not that much I reckon.

What of the e-book, take a look at my Website – Investmenttime.info – I look at life and explore some ideas for investments – being surprised at the sorts of affordable investment packages for me & mine, and to pass the ideas on to my readers. I am not only alluding to Property Investment although it does figure highly in the scheme of things possible for everyone of us.

Oh by the way, you may have understood what I meant by 2 things you need to do – if not – they are sign up to your free e-book and secondly make an informed decision on how to improve your financial position – there are plenty of ideas!



A fairly poor Engineer looking to his financial future and trying to help others to do the same by looking for secure investments.

31 OctFrench Furniture

France has long been a nation of art, culture, and style. For just as long, French style has been imitated and sought after. Today, France continues to be thought of as a leading force in fashion and the arts, but perhaps one area that France has influenced more than any other is residential furnishings. French furniture has been admired for centuries for its ornate carving, variety of finishes, and versatility.

When considering French furniture, one should recognize the term encompasses many different periods, emphases, and styles. French furniture can refer to the rich, elaborate styles that characterized the monarchial residences of Paris and the country retreat at the Palace of Versailles, but it also includes the more simple stylings of “French Country”, which came from the rural towns that still dot the French landscape and continue to influence home furnishings in countries throughout the world.

French furniture is a study in contrasts.

The Kingly styles of the sixteenth and seventeenth centuries are intricately carved, with concentration on details, embroidery, and beadwork. Veneers are vital to the royal style of French furniture, featuring softer woods and ivories that yield more easily to various carving tools and and detailing. Hunting and pastoral scenes are popular motifs for the carvings that are featured on overlays, frames, and tapestries. Though in the eighteenth century, palaces and royal residences featured room after room of this opulent style, many of today’s collectors and admirers choose to use the ornate pieces as focal points amidst a room of more simple styles.

French country furniture is less assuming, with clean lines, softer edges, and mellowed finishes.

French country furniture often features painted finishes, rather than highly polished wood veneers, like its French cousin described above. These finishes have mildly weathered or distresses look, and are serviceable in the most heavily used areas of the home, such as family rooms and kitchens.

Today’s decorating rules have changed, allowing a more eclectic approach to interior design that allows for both form and function. Accordingly, French furniture styles can be blended to allow for a beautifully appointed home.