FitSugar

How Would You Rate Them?

FitSugar — Wed, 20 Jun 2007 15:15:00 PDT

We all had a good time reorganizing InTouch's list of the top ten hottest females on the beach and now they've gone and ranked the men. Here are the lucky men they picked (in no particular order):

Andy Baldwin
David Beckham
David Charvet
Josh Duhamel
Zac Efron
Hugh Jackman
Nick Lachey
Mario Lopez
Matthew McConaughey
John Mayer

Rate them in order from best to worst (one being your favorite body, ten being your least favorite) beach body in the comments section below.

To see how InTouch ranked 'em,

View 10 Photos ›

9 Ways to Earn Extra Cash When Money Is Tight

Wise Bread — Thu, 24 May 2012 11:51:58 PDT

I'm sure everyone can do with a little more cash in their wallets. Here are some great suggestions by Wise Bread for you to make extra money.

Even though I'm self-employed full-time, I'm always looking for new and exciting ways to make more money.

Earlier this year, I wrote a Wise Bread post on websites that can help you earn extra cash. More recently, I came across a blog post on Zaarly titled, "10 Ways to Make Money Without a Job." After reviewing the latter post, I thought it was time to revisit the topic and let you in on a few more ways to get paid.

The ideas that Zaarly presents are perfect for the unemployed or those who just want to pad their pockets a little more. In addition, there are moonlighting jobs that I do that I thought you should know about. Thus, if you're without a steady paycheck or you just want to build up a rainy-day stash, here are some of your options.

1. Offer Experiences to Strangers

I recently learned about a new site called Vayable, which allows people with specialized knowledge and talents, local info, and time on their hands to create experiences that others can purchase. It's basically a touring and activity company without the company. Anyone can join the site and set up an experience. For instance, the Kan Brothers offer motorcycle tours of San Francisco - which include helmet rental, a drink at a local hot spot, and a city map - for two to four people at $75 per person. In New York City, Kim G. is offering a personalized painting lesson for groups of two to six for a flat rate of $300; the experience includes acrylic paints; canvas board and supplies; studio space; wine, cheese, and crackers; and Kim’s undivided attention. Consider this tip if you're interested in joining Vayable: Browse the site to see what other people in your area are offering. By creating a unique experience that no one else has established, you have a better chance of getting booked.

Read on for more.

Why Everyone (Even 20-Somethings) Should Make a Will

Business Insider — Tue, 22 May 2012 00:15:44 PDT

Getting a will is not just for those who are on the cusp of retiring. People of all ages should consider writing one, says Business Insider. Here's why.

Despite the well-known fact that everyone alive today will kick the bucket at one point or another, nearly 60 percent of Americans admitted in a 2011 poll conducted by online legal service Rocket Lawyer that they didn't have a will.

In fact, one-third said they'd rather do their taxes, get a root canal, or give up sex for a month than lay out their dying wishes in black and white.

All right, let's not get out of hand now.

Making a will these days is easier than ever, and if you've been putting it off simply because it seems daunting, then you could be making a big mistake.

"You do it for your family's [future]," says Rocket Lawyer founder Charley Moore. "[A will] enables you to start thinking about issues like whether you have the right insurance coverage, life insurance, and ways of replacing your lost income."

Whether you're 22 years old and just ran your umpteenth marathon or you're ready to retire, laying out an estate plan should definitely be near the top of your to-do list.

It's one of the three most important documents every adult should have.

Here are the other two, according to Moore:

A living will: Also called an advanced healthcare directive, a living will is where you lay out all the nuts and bolts of your end-of-life care. If you wind up in a coma or unresponsive in the hospital, then a living will can help your family decide how to handle your medical treatment.

Durable power of attorney: Choose an attorney you trust to administer your estate after your death, says Moore. He or she will be objective (unlike family members), and their entire job is to follow your wishes.

Read on for more.

What It Takes to Buy a Home

Kiplinger — Mon, 21 May 2012 03:14:47 PDT

Do you have what it takes to buy a home? Consider this exhaustive guide from Kiplinger.

Tired of renting? It could be a great time to buy your first home. In many cities, home prices have bottomed, and rents have risen. Mortgage rates are still superlow. In fact, homes haven't been as affordable since 1971. On the downside, in many cities, buyers have fewer homes from which to choose and more competition for the best houses.

In Austin, TX, newlyweds Mark and Ariane Corcoran bought their first home in March. They were renting in a popular downtown neighborhood, where they paid $1,200 a month for a 500-square-foot loft apartment, when they inherited enough money for a down payment. When they began shopping, they expected to buy a classic 1930s Austin bungalow. They found lots of prospects online but drove by most of them. "Agents are really good at taking photos that exclude what they don't want you to see, like the used-car lot out back," says Mark.

They put in an offer on a $225,000, 800-square-foot home. But after the home inspection, they realized that it needed $20,000 to $30,000 in renovations and repairs and that they'd quickly outgrow it. They walked away during the state-mandated rescission period (during which a buyer can back out for any reason and get back any earnest money deposited).

Ariane identified their next prospect within an hour after the listing appeared online. It was a newly built, 1,600-square-foot home with three bedrooms, 2.5 baths, and a yard for the dogs. The builder asked $270,000, the couple offered $260,000, he countered, and they paid $268,000. They put down 20 percent to avoid private mortgage insurance and snagged a 30-year fixed rate of 3.75 percent from a credit union. Their monthly mortgage payment is $1,524.

Before you take the plunge, consider the answers to questions often posed by first-time buyers. Read on for what to ask yourself.

5 Foods (and 1 Supplement) That Help Banish Acne

Jaime Richards — Mon, 14 May 2012 11:39:00 PDT

There are topical home remedies to blast away acne, but certain foods can assist in putting blemishes, breakouts, and inflammation in their place, as well. Stay tuned for more information on superfoods and their skin-enhancing benefits, but for the acne-specific ones, just keep reading.

8 Things You Think Are Good for Your Money . . . That Aren't

LearnVest — Fri, 11 May 2012 15:03:23 PDT

You may be wasting money when you think you're saving. LearnVest shares eight of the biggest money misconceptions.

Frugalista. Recessionista. In the past few years, people have coined a lot of silly words describing women and their approach to money, but the thought behind each of them is the same: You care about your hard-earned dollars and want to make them stretch.

That's true of most of us: We scrimp, we pinch, we try to feed our proverbial piggy bank as much as possible. Yet sometimes, in our excitement to be financial overachievers, we overreach.

It turns out there are a number of things that sound like they'd be doing good things for your money, and make you feel like you're saving more . . . when, actually, they're having the opposite effect.

Paying Every Debt Equally

When you have multiple debts to pay off (a credit card here, a student loan there) you might feel like a rock star simply for keeping up with them all and dividing your attention in a lot of different directions. Which, in a sense, you are! After all, you should always pay at least the minimums on all your loans.

But, if you have extra money to pay down your debts, you’re doing yourself a disservice by dividing it equally. The debts with the highest interest rates grow the fastest, so you should focus your muscle on the most toxic debts first.

Read on for more.

Why Running Isn't Helping You Lose Weight

Jenny Sugar — Fri, 11 May 2012 11:30:56 PDT

You started running months ago, yet every time you hop on the scale, you're let down by the results. What gives? While running does burn mega calories, here are some reasons you may not be seeing the weight-loss results you're after.

Postrun Pig-Outs
Burning tons of calories can cause a famished feeling afterward, but it's important to fuel wisely. Choose junk food as your recovery food and not only are you overdoing it on the calorie front, you'll be hungry again in the next hour. Although a postrun snack is essential, make sure it's packed with protein and filling carbs, and do not exceed 150 calories. If you exercised before a meal, enjoy a sensibly portioned plate, and don't go overboard as a way to reward your efforts. If you still find you're utterly famished after a workout, it probably means you need to fuel up before you exercise, so enjoy one of these pre-workout snacks before heading out for a run.

You Don't Run Enough
If you're running and not seeing results, take a look at your calendar. Doing one 45-minute run once a week, or a couple 20-minute runs won't burn enough calories to lose weight. In order to lose a pound a week, you'll need to ditch 500 calories each day, through a combination of diet and exercise. If losing weight is your goal, run three to four times per week and incorporate other forms of calorie-burning cardio on the other days.

Keep reading to find out why running isn't helping you lose weight.

When and When Not to Use a Travel Agent to Save Money

LearnVest — Wed, 09 May 2012 12:02:20 PDT

Will using a travel agent help you save money for your upcoming trip? LearnVest has the answer.

Are travel agents back?

This question, posed by The New York Times, got us thinking. According to the piece, nearly one in three leisure travel agencies is hiring, and in 2011 travel agencies experienced a second consecutive year of growth; in fact, their bookings accounted for a third of the $284 billion US travel market.

Silly us, we thought travel agents had become passé.

But if the travel agent business is thriving, we started wondering - is there something to this? Could using an old-school travel agent actually save us money on travel?

To find out, we consulted Barbara Vong, a travel agent with Wright Travel Agency, the 2011 winner of the Best of the Best Globe Award from Travel Impressions.

Globe Award From Travel Impressions.

The first thing we learned? Travel agents usually don't charge customers for their services! Their payment actually comes through the hotels and wholesalers, meaning that we can simply tap into a free service. That also means using a travel agent should never be more expensive than booking by yourself online . . . and these are experts well-versed in where to find the best deals.

Of course, booking your flights in 30 seconds with a few clicks sounds a lot easier than playing phone tag with a live person, so it pays to know when a travel agent can help the most, and when you might as well DIY it. Vong let us in on the best times to call an agent, and some money-saving travel tips she's picked up in her line of work:

Use a Travel Agent If . . .

You're Traveling With a Group

For group bookings that involve coordinating travel for multiple people, it's always easier to use a travel agent, says Vong. “I just had a bride call me because one of the groomsmen booked his own trip through a discount travel site, and he wanted to add someone to the room,” says Vong. "The customer service representative from the travel site he used told him they couldn't do it, but they were probably just being lazy. This is a great example of when you’d rather hand the responsibility of changing that booking to a travel agent, rather than trying to fix it on your own."

Read on for more.

12 Items You Should Not Buy in Bulk

Emily Co — Wed, 02 May 2012 11:50:34 PDT

When grocery shopping, there are certain items you should buy in bulk to get that discounted price that will save you money. However, if you pick the wrong items, you may end up wasting cash if you don't use them up before their expiration date. Here are a couple of items you should refrain from buying in bulk:

Baking powder. If you don't bake all the time, you might want to skip out on buying baking powder in bulk, as it lasts up to six months to a year.
Beer. If you're buying beer in bulk for a party, know that the beverage lasts for just three to six months. You might want to limit yourself and make sure that you're not buying too much.
Bleach. Don't buy too much bleach at one time, as this cleaning agent has a relatively short shelf life of three to six months. It starts to degrade after the six-month mark and loses its effectiveness.
Brown rice. People assume that brown rice has a long shelf life and can be stored for as long as possible. In actuality, brown rice doesn't last too long - just six months - because of its oil content.
Candy and unhealthy snacks. Although you may save money buying candy and unhealthy snacks in bulk, having a lot of these items around may cause you to overeat, which will be a detriment to your health. Saving money is not worth the cost to your health.
Cooking oil. You'd be surprised to learn that cooking oil has a shelf life of about a year. Oils and fats tend to go bad really quickly, so that's a factor to keep in mind when shopping. If you buy too much cooking oil, some of the oil may go rancid, which is said to cause increased rates of heart disease, cancer, and other health problems. You definitely want to make sure the oil you have is fresh.

Read on for more items not to buy in bulk.

13 Health Gimmicks You Can Stop Wasting Money On

Business Insider — Tue, 01 May 2012 00:15:21 PDT

Consumers have a tendency of falling for the next big health gimmick. Save your money on health duds with these Business Insider tips.

No matter how many times we're told otherwise, Americans' obsession with get-healthy-quick schemes will likely never die. Too bad most of these fads aren't worth their weight in salt - or your hard-earned dollars. We've put together a list of some of the worst budget-sucking health trends that still persist today.

Coconut Water

Coconut water may be nature's version of Gatorade but some brands have already caught fire for over-hyping its nutrient content. Vita Coco agreed to settle a $10 million class action lawsuit over an independent study that showed the drinks didn't pack near as many electrolytes as advertisements implied. Some coconut waters are also loaded with added sugar, which will do nothing to help your waistline.

Alternative: Pick up your own young green coconuts on the cheap from an Asian produce market. Just crack them open with a cleaver and pop in a straw.

"All-Natural" Foods

30 percent of Americans bought more natural foods in 2011, according to a Rodale study. But what are we really paying more for? There's no clear cut regulation on what makes food "natural," which means just about any company can slap that label on its packages, add a fancy green theme and jack up the price.

Says Andrew Schrage of MoneyCrashers: "Before buying any food that is touted as being 'all natural,' take a look at the ingredient list before you check out. Keep in mind that butter and salt are indeed natural ingredients. So stocking up on natural foods may not achieve anything other than increasing your grocery bill."

Read on for more.