There are a few good rules of thumb to maintaining a good credit rating. If you are able to follow them, then you will have no trouble getting credit or keeping your balances down.

• Pay your bills on time. Even one late payment can negatively affect your credit rating.

• Always pay the minimum amount due. Otherwise, not only will you lower your rating, but also you will incur added fees.

• Occasionally, if not consistently, pay more than the minimum amount due. This helps to keep your balances down, so that you can continue to come up with the minimum payment due.

• Avoid opening several credit cards at the same time. Many stores offer incentives such as percentages off the total purchase if you open a new credit card with them. This has a negative impact on your credit rating.

A few simple reminders:

• Bills include not only your credit card bills, but also your mortgage and or home equity loans. Your payment history is a major factor in computing your credit rating.

• It takes longer to renew your credit rating than it does to destroy it. Paying bills late consistently does more harm than you know. It may take up to three on-time payments before a company no longer lists you as delinquent on payments.

• A little bit of credit card use over a long period of time is better than a spate of large credit card use in a short period of time.

In general, pay your bills on-time, charge only what you can truly afford, acquire new credit cards sparingly, and enjoy the benefits of a good credit rating!

Before the box…
Think: Are you a good candidate for haircolor? Crandall likes to think everyone is! (Except, perhaps, if you’re pregnant or if you have a medical condition.) Beware, however, if your mane puts Rapunzel’s to shame—you just might want to make an appointment with a professional. Extremely long hair is hard to handle at home.

Consider your hair color and skintone. If you were born a brunette with an olive complexion, going platinum may not be best. Opt for highlights or a more subtle, single-process treatment to complement your natural beauty.

At the store
Crandall recommends Preference by L’Or¨¦al conditioning color treatments. He warns, “Stay away from any product with too much hype and read the fine print¡ªit’s there for a reason.” Don’t be fooled by the color on the box (which is most likely the result of a professional’s work). He stresses that miracles are not sold at the drugstore.

As for so-called temporary treatments, Crandall warns to be wary. The color, if applied repeatedly, just might stay. “Temporary haircolor oftentimes becomes permanent. You can’t be a blonde for the weekend,” Crandall says.

After the box
Enjoy your new hue! Take comfort in the fact that if disaster strikes, a professional can reverse the damage. Crandall recalls the story of a loyal client whose roots turned pink after a rushed at-home haircolor session. Realize the impact of your decision and be careful¡­fluorescent roots are just a misstep away!

All babies cry. And at about two weeks of age, it is common for babies to develop a fussy period in the evening that can last for as long as two hours. If your baby becomes fussy, what will you do? Try some of the following techniques.1. Hold your baby facedown over your forearm with his head at your elbow and your thumb and fingers wrapped around his thigh. 2. Hold your baby seated in your hand with his back to your chest and your other hand across his chest, wrapping your thumb and fingers around his upper arm. 3. Hold your baby high over your shoulder so his stomach is being pressed into your shoulder bone. 4. Cradle your baby in your arms, holding him tummy-to-tummy tightly against you.
 Source:Bfw.

The blonde model - daughter of rocker Rod Stewart - has been romantically linked to a series of womanisers, including Calum Best, Jack Osbourne and Tommy Lee, but now she is looking for a serious relationship.
Kimberly said: “I’m single. I’ve been working and travelling so much that it’s impossible for me to have a relationship, but I’m definitely going into the next stage of my life where I want to settle down.”

The 28-year-old star - who is searching for roommates in her new TV show ‘Living With Kimberly Stewart’ - admits she can be difficult to live with.

She told Hello magazine: “I’ve very guarded and sometimes I can come across as a b***h, a brat, a diva.

“But I’m a human being, I have feelings. I’m not one of those people who doesn’t realise how lucky I am every day.”

Claire Danes finds fame “irritating”.

The 28-year-old actress is fed up with having her life “invaded” by the paparazzi, and can’t understand why there is so much interest in her life because she’s not that big a star.She said: “My life is completely invaded. Almost every day now in New York I’m followed by photographers - and I’m not even that famous! I’m in enough films so that people recognise me but I’m hardly a huge star, I find the whole fame thing irritating.”

Danes’ big film break came when she starred in ‘Romeo and Juliet’, opposite Leonardo DiCaprio, in 1996.

However, the actress admits she struggled to cope with suddenly being thrust into the spotlight at just 17.

She said: “I was a little disorientated with all the attention. In retrospect I realise I was terribly naive. But I tried my best to cope with it.”

Danes is currently starring in new fantasy film ‘Stardust’, which also stars Robert De Niro, Michelle Pfeiffer and Sienna Miller.

Admit it girls, we all fancy our celebs. The glitz of their glamorous world attracts us - what they wear, where they shop, what they dream of, their love-interests, their favourite things - we love to get the scoop. Keeping this in mind, from time to time Mag4you.com! is going to share some interesting tete-a-tete with popular celebrities.

This time around, we were lucky enough to get hold of pretty and tall Nadia Hussain - a model who matches the international standard. A dentist by profession, and a mother of two, Nadia is a perfect combination of model-cum-mum. When on ramp she stirs the crowd with her electrifying presence. She has even tried hosting for a show on TV by the name of ‘Razz matazz’. Let’s take a look at her likes and dislikes…

My biggest asset:
My height

I wish I could:
Travel all over the world

One person I would love to dine out with:
Madonna

My worst nightmare:
Getting dependent on someone

One thing I hate about myself:
I love to eat

Something I would like to remember:
My past

My strength:
My patience and endurance

My weakness:
Brownies

I regret:
Nothing

I feel over cloud nine when:
People compliment my kids

The most embarrassing moment of my life:
When my mother-in-law, who is a doctor by profession, gave me a tetanus injection

Something that I am strongly possessive about:
My space

I get turned on by:
Good smell and intelligence

When feeling low I prefer:
To be pampered

The most unforgettable moment of my life was:
My 25th birthday which I celebrated on my honeymoon

What touches me the most:
Poverty

If I could be another person I would like to be:
Angelina Jolie

What bores me the most:
Small talks

Which one will you prefer: music videos, fashion shows or TV hosting:
Fashion shows, then music videos and then hosting

My message:
Live and let others live too!

Want to feel 24 forever? The secret to maintaining a youthful appearance may lie with bioidentical hormone replacement therapy (BHRT), says Dr. Martin Braun, a cosmetic rejuvenation specialist in Vancouver. According to clinical studies, women’s hormones are in perfect alignment at 29, making it the time you’ll feel the best in your life. But as we age and approach menopause, estrogen levels decrease and progesterone increases. As a result, brain fog (forgetfulness), weight loss, mood swings and skin elasticity all take a turn for the worse. But Dr. Braun says these negative byproducts of the aging process aren’t inevitable? or irreversible ?thanks to BHRT.

Up until recently, the only hormone therapy option was to take synthetic chemical pills to replace lost estrogen. BHRT is comprised of plant derivatives that are processed, so the body can absorb the hormones. The actual concoction is an exact replica of a combination of three estrogens you find in the body of a healthy woman in her 20s. A pharmacist combines the three estrogens into a cream that is applied to the face and neck, allowing for an easy bypass of the liver and avoiding blood-clotting incidences that oral estrogens can cause. Each BHRT program is unique to the individual, and the physician prescribes the ideal combination of hormones based on several blood and hormone tests the patient undergoes.

If you have ever been in a relationship that failed, you most likely have sat down afterwards and wondered what went wrong. Sometimes it is easy to spot how much of it was their fault but it is not too easy to look at where you, personally, went wrong. Following are the things you should do. Check yourself, and see whether you are good enough.1. Be romantic.
Whenever a relationship starts to fail, the lack of romance is one of the first indicators. It is very natural for people to get complacent and forget the fun things they used to do when they first got together. A relationship has to be constantly worked on and being romantic is an absolute must.

2. Never disparage yourself.
Whenever you are disparaging yourself, you are basically saying that you are no good for your partner. If you don’t believe that you are good enough for them, then you won’t be. It’s as simple as that. Don’t sit around and beat yourself up over past mistakes that will only prevent you from trying and succeeding at new things tomorrow.

3. Always be honest.
There is not one single relationship that will succeed in the long run if built on a lie. Even if your partner never finds out the truth, the fact that you know you lied will affect your feelings for yourself and your partner. With that kind of a hindrance, the relationship will never reach its full potential.
 
4. Do not do things just to keep your partner happy.
How many times have you done something for or to your partner that you really did not want to do, just to make them happy? How did it make you feel? Every time you compromise yourself in that way, a piece of your love for them dies. It is much better to explain to them that you don’t feel good about certain things and work on an alternative together.

5. Do not ask your partner to do things you know they don’t want to do.
This is the reverse of the above lesson and fairly self-explanatory. If you know they really don’t like doing something, and if that something is for you and of no benefit to them, then why ask them to do it unless you are being selfish or mean?