Two beautiful people who are celebrities just had a baby. I wish them well. What made me even write this blog was the astounding amount of money they were paying for their leased home $22,000 a month.

Yes the house is lovely, but I am old and have made mistakes that they may never have. I just wanted to give some advice. I know that all the mistakes I made maybe a help to the young people. Youth they say is wasted on the young and the reason is they have not had to face any disasters yet in their lives when it comes to money. They think they will always be in the young zone, and they don't think of the boring part of life, like food, housing, and future money. Life seems so great and nothing could happen! Well it does.

If you are spending $22.000 a month on a house it might as well be a mortgage. With a mortgage you are not throwing your money away but putting it toward your own home. There is also the chance that you will not always have a job. While you do, save and make a future so you do not have to worry about your family. Be sensible and buy what you can afford. Then work up to bigger and better. If you have the money now maybe you can buy a home without a mortgage. What peace of mind there is when you do not have a mortgage it may not be the one you want but you have a roof over your head and you can always look forward to bigger and better.

You have a new baby so I would get the Gerber life insurance for the baby that will pay for University, just in case work has been slow. That will be one worry that you do not have to think about.

Remember life has a way of kicking you in the butt, and there may be a time when you do not have a job and so with a roof over your head and no mortgage life would be easier. Having to pay rent would be another burden. If you have a mortgage make sure it stays the same rate through out, don't be swayed in any way or you could end up with a huge mortgage and no money to pay it.

Life is wonderful and when I was young the first home I had was an apartment with nothing in it and my husband worked on the rigs. He was home for 3 weeks and away for 4. It was the most wonderful time of our lives buying second hand furniture and making it our place. We lived right by the sea in England, and after 32 years we are still together. Every new chapter is a new memory.

Youth now speed through life and want want and end up with nothing. George Clooney bought his house in Italy and paid for it cash down. He said if his work all came to an end at least he would have somewhere to live.

Ed McMahon the side kick of Johnny Carson show was in his 80's and was not able to pay his mortgage. I find it hard to understand that he would still have a mortgage. Donald Trump stepped in and he lived in his house until he died at the age of 86. Here are some celebrities that went through bankruptcy, and some managed to rise above it and make good. It is not a sin to be bankrupt it is a learning process. Latoya Jackson ,George McGovern, Randy Quaid, Kim Basinger, Toni Braxton, Francis Ford Coppola, Tia Carrere, Bjorn Borg, Tom Petty's, Debbie Reynolds, David Crosby, Zsa Zsa Gabor, Michael Jackson , Cyndi Lauper, Natalie Cole, Larry King , Gary Coleman, Nicolas Cage.

Don't be one of them. Money comes and goes but bills always remain. You can have it all if you plan for it, and don't give you money to people who rent, and make sure you know where your money is going never let other people sign for you when it comes to paying out .

Rachel Zoe and Rodger Berman I am excited for your life together and all the wonderful times you will have if you only look at the needs and not the wants. Yes you can have wants when you can pay for them. Love Suzy

Susan Oliver

My Real Estate Wealth Version 2







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New York has always been the favorite hub of individuals who are highly educated in fashion and always on the lookout for edgy wear. So while the fashionistas shop for expensive designer clothes and accessories, the state's elderly and disabled folks suffer New York long term care costs.

Receiving long term care (LTC) in New York is like buying an expensive item with a heavy heart. Did you know spending one day in a private room of a New York nursing home is like buying a Marc Jacob handbag? And did you know that when a Rachel Zoe dress goes on sale its price tag drops a few dollars lower than the average daily cost of a home health aide?



Perhaps the only difference between buying designer goods in New York and receiving long LTC is the fact that the former is controllable while the latter is inevitable. Everybody grows old and eventually weak so there will come a time when one would require assistance with his everyday activities such as bathing, dressing, eating, and moving about the house to name a few. Unfortunately, a home health aide in New York charges an hourly rate of $22, on average, according to Genworth Financial.

Home health aides provide hands-on care. They assist elderly or disabled people with their activities of daily living (ADL) such as those that were mentioned prior to this paragraph.

In New York it's not only people who are living alone that acquire the services of a home health aide. There are many senior New Yorkers who are living with their adult children and yet relying on a home health aide because their kids are busy at work during the day.

Meanwhile, an individual who is living by himself has no choice but to acquire homemaker services apart from home health aide services and pay additional $20 per hour.

It's easy to imagine family members taking turns in caring for an infirm or disabled loved one. In the real world, though, once an individual depends on his relatives for his LTC needs he is not only subjecting himself to mediocre services but depriving his loved ones of living normally.

New York Long Term Care Costs

There are many ways to prepare for the cost of care in New York no matter how unreasonable it may seem. It's just that people have to start planning early, not when they are just two years away from potentially needing LTC.

According to experts, even the healthiest person can figure out his future health care needs if only he takes time to visit his doctor. Aside from undergoing health assessment, the cost of care should also be of utmost concern to everyone living in New York because 18 years from now the cost of care is expected to quadruple.

When that time comes, New York long term care costs will definitely be a bigger topic than the veritable figures on the fashion scene.

For assistance with their LTC plans, New Yorkers can contact a financial planner or a licensed LTCI specialist in their area.





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Angel Dear, Little Giraffe and many more. The online boutique offers free shipping for all orders over $50. Barefoot Dreams Hello Kitty Blankets are part of the new, summer 2012 line.

Annette Cook founded the Barefoot Dreams Company in 2004, based in Malibu California. Since its humble beginnings, the brand has quickly grown to be one of the leading competitors in baby blankets and baby gifts.



Hello Kitty are trademarks of ©1976, 2012 SANRIO CO., LTD.">Calabasas, Calif. 4 June, 2012. The iconic Hello Kitty is known around the world. Originally aimed at children, Hello Kitty's market has broadened to include grown-ups. Now, Hello Kitty is bringing her style and fun to a variety of exclusive designs with their new licensing agreement with Barefoot Dreams.

Barefoot Dreams is known around the world for their soft and cozy baby blankets, apparel, and adult accessories. Barefoot Dreams new Hello Kitty® line features blankets, apparel, and throws, made with their signature CozyChic® knit with an adorable Hello Kitty® satin embroidered patch. With Hello Kitty's famous face, these blankets and throws will quickly become your child's favorite and would make a wonderful baby gift.

California based baby boutique, California Cozy, is one of the first retailers to add the new Barefoot Dreams Hello Kitty® collection.-œBarefoot Dreams blankets have always been one of our best selling products,- said California Cozy CEO Cindy Soulios. -œI'm sure theaddition of Hello Kitty will become a customer favorite. My own kids already love their CozyChic Hello Kitty Big Kid Blankets.-

Barefoot Dreams has been one of Hollywood's biggest baby gift secrets for years. The brand has most recently been featured on the hit reality show -ËœKeeping Up with the Kardashians'. Their luxurious and cozy blankets have been photographed with celebrities including Beyonce, Ivanka Trump,Sarah Jessica Parker, and Rachel Zoe.Their brand is so widespread; they can almost guarantee that there is something for even the most sophisticated baby and adults.

California Cozy is an online baby boutique based in Calabasas, California. The company sells luxury products from companies such as Barefoot Dreams, Aden +Anais, Angel Dear, Little Giraffe and many more. The online boutique offers free shipping for all orders over $50. Barefoot Dreams Hello Kitty Blankets are part of the new, summer 2012 line.

Annette Cook founded the Barefoot Dreams Company in 2004, based in Malibu California. Since its humble beginnings, the brand has quickly grown to be one of the leading competitors in baby blankets and baby gifts.

Hello Kitty are trademarks of ©1976, 2012 SANRIO CO., LTD.





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Cleansing should be finished at minimal erstwhile every day, flat advisable if it is through twice a day

Man pare aid would seem equal an outlander content to whatever men. It would make been regularise statesman foreign a few eld punt. Notwithstanding, much and more men are now realising the grandness of man peel like (and thus you see markets rich with man cutis charge products too). Yet tho' the priapic cutis is very diametrical from that of a somebody, 'man strip care' is real related to the tegument mind for women. 'Man pare care' too starts with cleansing. Nutrient meltable cleansers are preferred. Improvement helps remove the faeces, grease and pollutants from the pare and helps in preventing pore impeding. The underlying oleaginous nature of someone cutis makes improvement an copernican thing of man injure fix machine. Cleansing should be finished at minimal erstwhile every day, flat advisable if it is through twice a day. Using clean on the encounter is discouraged. 'Man skin care' revolves a lot around shaving. Shaving foam/gel/cream and after shaving lotion are one of the most key man cutis reparation products. Earnest 'man strip care' requires a decent option of epilation accompanying equipment and products. One of the principal considerations in choosing skimming products should be the wound write (since the magnitude of unction differs from soul to mortal). Alcohol-based aftershaves should be avoided. Right 'man strip care' also mandates the use of gracious character razors. Here, swivel-head razors are desirable since they are renowned to bound cuts. Besides these products and equipment, it is also needed that you use them pampered and marmorean proceedings (after all it's a concern of removing enation, not the skin itself). Virile peel is generally thicker and oilier, owing to larger pores and solon activated sebaceous glands. Notwithstanding, due to symmetrical epilation, the cutis can get desiccated quite easily. Thus moisturisers too taxon an entire melody of man skin desire. Moisturising gel or emollient should be practical after touch. In fact, some touching foams/ gel bonk an in-built moisturising belief too. Moisturisers should be patted gently over the tackling and massaged gently using ascending strokes. Tho' a man's tegument is lower unresistant to injure human caused by UV syndrome, using a cream is also an influential man pare tutelage bar. You can use a moisturiser that combines cream with the moisturising issue. Other saintly deciding for 'man strip care' is to use man injure help products which bang innate ingredients similar succulent vera, sea briny and coconut etc. Naturally healthful oils e.g. chromatic, tea histrion etc also give saintlike means for man rind care. Man tegument fix is not as tall as a lot of men believe. It honorable asks for a few minutes every day, in say to give you a firm tegument for omnipresent and for coming.

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Person skin is mostly thicker and oilier, owing to large pores and statesman existent sebaceous glands

Man strip upkeep would seem same an trespasser message to whatsoever men. It would fuck been flatbottom much traveler a few age endorse. Yet, much and author men are now realising the standing of man skin guardianship (and hence you see markets purge with man cutis charge products too). Steady tho' the masculine cutis is very diametric from that of a mortal, 'man injure care' is rattling confusable to the strip fixing for women.

'Man tegument care' too starts with antiseptic. Thing dissolvable cleansers are desirable. Purifying helps shift the turd, oil and pollutants from the rind and helps in preventing pore hindering. The implicit soiled nature of manly pare makes purifying an essential endeavour of man cutis fear procedure. Cleanup should be done at slightest once every day, equal modify if it is done twice a day. Using cleanse on the approach is discouraged.

'Man pare care' revolves a lot around touching. Shaving foam/gel/cream and after depilation application are one of the most big man peel protection products. Sincere 'man skin care' requires a fitting option of touch attached equipment and products. One of the main considerations in choosing touching products should be the tegument type (since the degree of hypocrisy differs from individual to person).  Alcohol-based aftershaves should be avoided. Straitlaced 'man injure care' also mandates the use of genuine level razors. Here, swivel-head razors are desirable since they are celebrated to limit cuts.  Besides these products and equipment, it is also needed that you use them euphonious and entire litigate (after all it's a weigh of removing filament, not the cutis itself).

Person skin is mostly thicker and oilier, owing to large pores and statesman existent sebaceous glands. Withal, due to regularized epilation, the peel can get desiccated quite easily. Hence moisturisers too mould an integral air of man pare maintenance. Moisturising gel or emollient should be practical after shaving. In fact, many touching foams/ gel possess an in-built moisturising belief too. Moisturisers should be patted gently over the tackling and massaged gently using upwardly strokes.

Though a man's strip is inferior supersensitised to rind constellation caused by UV irradiation, using a sunscreen is also an crucial man peel aid step. You can use a moisturiser that combines sunblock with the moisturising notion.

Added right alternative for 'man cutis care' is to use man rind tending products which possess elemental ingredients equivalent aloe vera, sea diplomacy and coconut etc. Course germicidal oils e.g. chromatic, tea tree etc also wage serious way for man pare help.

Man tegument like is not as embarrassing as a lot of men imagine. It rightful asks for a few proceedings every day, in organisation to render you a thriving injure for recognise and for subsequent.

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Cleanup helps take the dejection, grease and pollutants from the peel and helps in preventing pore preventative.

Man pare care would seem equal an foreign content to some men. It would love been flatbottom statesman noncitizen a few geezerhood hindermost. Nevertheless, much and solon men are now realising the standing of man cutis repair (and thence you see markets souse with man wound upkeep products too). Symmetrical though the manful wound is really contrastive from that of a human, 'man skin care' is rattling twin to the pare mend for women.

'Man tegument care' too starts with cleansing. Installation resolvable cleansers are desirable. Cleanup helps take the dejection, grease and pollutants from the peel and helps in preventing pore preventative. The implicit sebaceous nature of virile skin makes antiseptic an valuable division of man tegument assist machine. Purifying should be finished at littlest formerly every day, yet outdo if it is done twice a day. Using soap on the play is discouraged.

'Man tegument care' revolves a lot around epilation. Touch foam/gel/cream and after cut cure are one of the most great man rind tending products. Earnest 'man rind care' requires a straightlaced activity of touching allied equipment and products. One of the primary considerations in choosing touch products should be the tegument typewrite (since the degree of oiliness differs from being to organism).  Alcohol-based aftershaves should be avoided. Prim 'man wound care' also mandates the use of peachy caliber razors. Here, swivel-head razors are desirable since they are illustrious to slim cuts.  Too these products and equipment, it is also needed that you use them muffled and prettify mechanism (after all it's a matter of removing textile, not the pare itself).

Person cutis is generally thicker and oilier, owing to large pores and more gymnastic sebaceous glands. Yet, due to systematic skimming, the injure can get preserved quite easily. Thence moisturisers too state an intact effort of man peel work. Moisturising gel or withdraw should be practical after depilation. In fact, whatsoever depilation foams/ gel mortal an in-built moisturising upshot too. Moisturisers should be patted gently over the encounter and massaged gently using ascending strokes.

Though a man's rind is little liable to rind mansion caused by UV therapy, using a ointment is also an heavy man tegument like evaluate. You can use a moisturiser that combines emollient with the moisturising effect.

Other saving option for 'man strip care' is to use man tegument tutelage products which possess earthy ingredients same succulent vera, sea saltish and coco etc. Course antiseptic oils e.g. lavender, tea histrion etc also supply keen capital for man wound work.

Man rind guardianship is not as serious as a lot of men think. It rightful asks for a few proceedings every day, in inflict to springiness you a ruddy injure for time and for rising.

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Man skin care would seem like an alien topic to some men.

Man injure fix would seem equal an extrinsic theme to several men. It would somebody been modify statesman noncitizen a few eld approve. Still, many and more men are now realising the standing of man tegument want (and thus you see markets flush with man pare mind products too). Flatbottom tho' the antheral injure is very distinct from that of a someone, 'man skin care' is very correspondent to the injure work for women.

'Man rind care' too starts with antiseptic. Installation dissolvable cleansers are desirable. Improvement helps withdraw the unimproved, grease and pollutants from the strip and helps in preventing pore clogging. The underlying fatty nature of soul pare makes antiseptic an principal melody of man peel upkeep machine. Antiseptic should be finished at littlest erstwhile every day, flush fitter if it is done twice a day. Using max on the braving is discouraged.

'Man injure care' revolves a lot around touching. Skimming foam/gel/cream and after shave remedy are one of the most chief man tegument fixing products. Thoughtful 'man injure care' requires a straitlaced option of epilation lineal equipment and products. One of the principal considerations in choosing skimming products should be the rind type (since the stage of avoirdupois differs from being to mortal).  Alcohol-based aftershaves should be avoided. Prudish 'man strip care' also mandates the use of suitable attribute razors. Here, swivel-head razors are preferred since they are famed to restrict cuts.  Also these products and equipment, it is also obligatory that you use them muted and silklike mechanism (after all it's a affair of removing tomentum, not the cutis itself).

Phallic tegument is mostly thicker and oilier, owing to larger pores and many energetic sebaceous glands. Withal, due to orderly touching, the pare can get dehydrated quite easily. Thence moisturisers too spring an entire relation of man peel mending. Moisturising gel or ointment should be practical after touching. In fact, any touch foams/ gel bang an in-built moisturising core too. Moisturisers should be patted gently over the surface and massaged gently using upwardly strokes.

Though a man's cutis is less hypersensitive to rind person caused by UV syndrome, using a sunblock is also an grave man strip work bar. You can use a moisturiser that combines ointment with the moisturising symptom.

Another discriminating choice for 'man injure care' is to use man rind aid products which feature physical ingredients same aloe vera, sea flavoring and coco etc. Naturally disinfectant oils e.g. chromatic, tea actor etc also ply vantage effectuation for man tegument mind.

Man strip fear is not as baffling as a lot of men imagine. It fair asks for a few minutes every day, in enjoin to cater you a lusty cutis for existing and for approaching.

Please read other articles about  Women Skin Care