Hot Female Pictures

Birth Name(s) : Alessia Marcuzzi
Date of Birth: November 11, 1972
Dating Partner: Simone Inzaghi
Profession: Actress/Model
Alessia Marcuzzi was born in Rome. Alessia Marcuzzi is mostly known as the host of the Italian version of Caiga Quien Caiga (Le Iene). Alessia Marcuzzi played in Leonardo Pieraccioni's feature film Il mio West in 1998, as well as in TV series Tequila and Bonetti (2000) and Carabinieri.

She has a son with footballer Simone Inzaghi. She is currently dating Carlo Cudicini. She has presented Grande Fratello, the Italian version of Big Brother, for the past 2 years.

Pamela Anderson

Posted: 01 Nov 2008 09:38 AM CDT

Pamela Anderson

Pamela Denise Anderson (born July 1, 1967) is a Canadian-born actress, sex symbol, glamour model, producer, author, and celebrity. Anderson is best known for her roles on the television series Home Improvement, Baywatch, and V.I.P. She was chosen as a Playmate of the Month for Playboy magazine in February 1990. For a time, she was known as Pamela Anderson Lee after marrying Mötley Crüe drummer, Tommy Lee. She holds both American and Canadian citizenship.

Amanda Beard

Posted: 01 Nov 2008 09:05 AM CDT

Amanda Beard

Amanda Ray Beard (born October 29, 1981 in Newport Beach, California), is an Olympic-level swimmer and model from the United States of America. Amanda Beard participated in the 1996 Summer Olympics, 2000 Summer Olympics, 2004 Summer Olympics, and 2008 Summer Olympics, capturing a total of seven medals, the most recent in the 2004 games. Amanda Beard held the world number one ranking of 200 meter breaststrokers in 2003. In U.S. competition, Beard won three 200 meter breaststroke, three 100 meter breaststroke, and two 200 meter individual medley US National titles.

Ali Landry

Posted: 01 Nov 2008 08:53 AM CDT

Ali Landry

Ali Germaine Landry (born July 21, 1973) is a former Miss USA (1996), model and actress. Ali Landry is recognized as the Doritos Girl from her popular 1998 Super Bowl commercial. In 1998, Ali Landry was named by People magazine as one of 50 most beautiful people in the world.

Cindy Crawford

Posted: 01 Nov 2008 08:15 AM CDT

Cindy Crawford

Cynthia Ann "Cindy" Crawford (born February 20, 1966) is an American supermodel and actress. Known for her trademark mole just above her lip, Cindy Crawford has adorned more magazine covers than any model in history. Cindy Crawford was named #3 on Vh1's 40 Hottest Hotties of the 90's.

Amanda Harrington

Posted: 01 Nov 2008 07:58 AM CDT

Amanda Harrington
Amanda Harrington was born on 3 November 1980, San Mateo, California, USA
She is hot! Amanda Harrington is a Rising star

Aisleyne Horgan-Wallace

Posted: 01 Nov 2008 07:46 AM CDT

Aisleyne Horgan-Wallace

Aisleyne Horgan-Wallace (pronounced /æʃliːn hɔrɡən wɒlɪs/) (born 28 December 1978 in London) is an English glamour model, television personality and fashion designer. Aisleyne Horgan-Wallace gained fame in 2006, when she appeared on the UK's seventh series of the popular gameshow Big Brother, in which she finished third.

Aida Yespica

Aída María Yéspica Jaime (pronounced [aˈiða maˈɾia ˈʝespika ˈxaime]), is a Venezuelan beauty queen born on July 15, 1982 in Barquisimeto, Venezuela.

Aida Yespica's career began in the Venezuelan famous national pageant Miss Venezuela in 2002. As Miss Amazonas, she represented the state of Amazonas. The winner was Mariangel Ruiz but Yespica became a big favorite among the press. Her measurements 90-60-90 despite her average height (1.73m or 5'8") made her capture the attention of the press.

Aida Yespica Jaime moved to Milan, Italy to start her modeling career back in 2003. She has become a big star in the Italian entertainment business and has graced the covers of multiple magazines including GQ and Maxim. Aida appears regularly in Fashion TV and RAI doing photoshoots, fashion commercials or as a presenter.

Elizabeth Hurley

Posted: 01 Nov 2008 07:14 AM CDT

Elizabeth Hurley

Elizabeth Jane Hurley (born 10 June 1965) is an English model and former actress who became known as a girlfriend of Hugh Grant in the 1990s. Born in Basingstoke, Hurley was a struggling actress in 1987, when she met Grant while working on a Spanish production called Remando Al Viento. In 1994, Grant became the focus of worldwide media attention due to the global box office success of his film Four Weddings and a Funeral. Elizabeth Hurley accompanied him to the film's London premiere and was noted for wearing a plunging black Versace dress held together with gold safety pins. According to The Guardian, Elizabeth Hurley was "then known as 'Hugh Grant's girlfriend,' now known as 'Hugh Grant's former girlfriend,'" due to their high-profile romantic relationship that ended in 2000.

The highlight of Hurley's professional life has been her association with the cosmetics company Estée Lauder. The company gave Hurley her first modeling job at the age of 29 and has used her as a model for its products, especially perfumes such as Sensuous, Intuition and Pleasures, since 1995. Her best known cinematic work was as Vanessa Kensington in Mike Myers's hit spy comedies, Austin Powers: International Man of Mystery (1997) and Austin Powers: The Spy Who Shagged Me (1999). Hurley currently models and designs an eponymous beachwear line. Elizabeth Hurley became the mother of a son in 2002.

http://en.wikipedia.org/wiki/Elizabeth_Hurley

Augustina aka Miss South America

Posted: 01 Nov 2008 04:29 AM CDT

Augustina aka Miss South America

This girl is hot. Yes Hot! She looks like an angel from hot girls heaven!

Valerie Mason

Posted: 01 Nov 2008 04:15 AM CDT

Valerie Mason

Valerie Mason is from Monroe, Louisiana and is a model. She was selected to be Playboy's September 2008 Playmate of the Month. Valerie Mason was selected after she sent Polaroids of herself to Holly Madison on Myspace. This led to her appearance on The Girls Next Door.

Ana Beatriz Barros

Posted: 01 Nov 2008 04:01 AM CDT

Manuela Arcuri

Posted: 01 Nov 2008 03:31 AM CDT

Manuela Arcuri is an Italian model and actress. Manuela Arcuri is a big calendar star and has ridden that success into television appearances. Manuela Arcuri very hot!

Amber Evans

Posted: 01 Nov 2008 03:28 AM CDT

Amber Evans

Amber Evans made her nude debut at a mere 19 years old. Amber Evans is 5′8″, 125lbs and has measurements of 34DD - 25 - 34. This is one stacked model who delights her fans with exquisite photosets.

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Bangambiki vs Love

Posted: 07 Aug 2009 12:34 PM PDT

*Only love can be divided endlessly and still not diminish-Anne Morrow Lindbergh
*I never knew how to worship until i knew how to love-Henry Ward Beecher
*It is better to be with no one than to be with the wrong one
*Falling in love is easy, staying in love requires work
from
http://dailylovetips.blogspot.com
http://motivationday.blogspot.com
http://bangjokes.blogspot.com
http://thedigitalpleasures.blogspot.com
http://lovesecretsrevealed.blogspot.com
http://femalebeautysecrets.blogspot.com

--
igituba.org - kuko isoni zirisha uburozi

Bangambiki vs Love

Posted: 07 Aug 2009 12:30 PM PDT

--
igituba.org - kuko isoni zirisha uburozi

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2009-08-04T17:12:00.001-07:00

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Bangambiki vs Mark Twain
Bangambiki on Motivation
Bangambiki on Motivation
Bangambiki
Bangambiki vs Wisdom

Bangambiki vs Mark Twain

Posted: 04 Aug 2009 09:16 AM PDT

Better to keep your mouth shut and appear stupid...than to open it and
remove all doubts-Mark Twain
Of all the animals, man is the only one that lies-Mark Twain
Shoot for the moon, even if you miss, you'll land among the stars
from http://motivationday.blogspot.com
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Bangambiki on Motivation

Posted: 04 Aug 2009 08:23 AM PDT

Motivate yourself
http://motivationday.blogspot.com
http://bangjokes.blogspot.com
http://thedigitalpleasures.blogspot.com
daily TWITTER updates http://twitter.com/bangambiki

Bangambiki on Motivation

Posted: 04 Aug 2009 08:22 AM PDT

Motivate yourself
http://motivationday.blogspot.com
http://bangjokes.blogspot.com
http://thedigitalpleasures.blogspot.com
daily TWITTER updates http://twitter.com/bangambiki

Bangambiki

Posted: 04 Aug 2009 01:27 AM PDT

Love is the beauty of the soul-Augustine
The heart that loves is always young

Bangambiki vs Wisdom

Posted: 04 Aug 2009 01:15 AM PDT

To be is to be perceived-George Berkeley
from http://motivationday.blogspot.com
http://bangjokes.blogspot.com

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2009-07-21T17:08:00.001-07:00

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Heaven Jokes

Posted: 20 Jul 2009 11:47 PM PDT

After #death a couple meets again in #heaven
#Wife: are we continuing together?
Hubby:remember the oath "until death separates us"
from
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2009-07-13T18:20:00.001-07:00

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Lynhthy Nguyen, Sexy Vietnamese Hot Girl
Azaylia Sen, Sexy Hot Filipina-Japanese Model
Kim Lee, Hot Asian Girl
Honey Jo, Sexy Cambodian Hot Girl
Diana Le, Sexy Hot Vietnamese Girl
Lana Lopez, Sexy Thai-Mexican Hot Girl
Lisa Marie Scott, Sexy Hot Japanese Model
Lyla Dee, Sexy Cambodian Model

Lynhthy Nguyen, Sexy Vietnamese Hot Girl

Posted: 04 Nov 2008 10:51 AM PST

Lynhthy Nguyen, Sexy Vietnamese Hot Girl

Sexy Vietnamese Girl
Name: Lynhthy Nguyen
Birth Date: 5/3/87
Hometown: Corona, CA
Ethnicity: Vietnamese
Zodiac: Taurus
Height: 5′3
Weight: 105-110 everyone fluctuates but I'm aiming for 105
Measurements: 32-25-33
Hair: Dark brown
Eyes: Dark brown
Website: myspace. com/lynhthy

Hi, I'm Lynhthy (like linty pocket or linty belly button but that's kind of gross).

I'm a dance machine. I go to UCI along with the rest of the Asian population. I'm a sleepyhead…seriously I can sleep for days.

I drink water and I recycle. LOVE working out, it's my alone time and quite therapeutic. I don't do burr (beer) or diet (soda that is). I freaking love breakfast burritos, sushi, steak, cheese, Goldenspoon, and fruit.

I'm really random like what the eff random. I love old couples especially old Asian couples. I have a bad memory and often make foolish comments that people tend to laugh at.

I'm extremely indecisive. I like eating and then passing out. I'm a happy fatty! I don't mind being scantily-clad. I like math! I think it's fun. I'm very open. I can't live without my medicated Chapstick brand chapstick. I'm usually late but I'm working on it, I really am. I am very fortunate and appreciative.

Nothing's sexier than a man that can dance. I like realizations. Dancing's my absolute passion: I love it, live it, and breathe it. I love go-going. I love JPD. I love CADC. I love THETA.

In my spare time I enjoy taking stupid pictures with my friends cuz it's fun. I love laughing until your stomach hurts and you're on the verge of peeing in your pants.

I'm like obsessed with half babies cuz they're ridiculously good looking.. I like dance parties. I'm easily entertained. I'm somewhat of a perfectionist, almost OCD status sometimes.

I am the biggest procrastinator you'll ever meet. I'm stubborn. I love shopping, preferably at Nordstroms, Guess, and Victoria's Secret. Some think I have A.D.D. I LOVE LOVE LOVE being at the beach more than anything in the world.

I love my parents. Spelling errors bother me. I want a shiny black Jeep or a charcoal grey Tundra. I'm your typical bad Asian girl driver =(. People say I'm gullible. I like sweats and sandals.

I prefer sweats or booty shorts over real clothes. I like playing in the rain, but I love summer and getting tan the most. I'm pretty down. I love trying new things.

I LOVE getting and doing nice things for people. I don't like it when people smoke around me, so please don't or I will probably leave. I live the life I love and love the life I live.

My aspirations are to basically live a happy, fun-loving life, while being able to provide for my current (parents) and future (family) comfortably.

I started go-go dancing in January 2008 and have been extremely fortunate to have had the opportunities that have come my way since.

I'd like to continue with all of this and see where it may take me. I've met some pretty awesome people, traveled to Guam, and hope that this is only the beginning. Um, so yeah that's me for you!

Azaylia Sen, Sexy Hot Filipina-Japanese Model

Posted: 04 Nov 2008 09:33 AM PST

Azaylia Sen, Sexy Hot Filipina-Japanese Model

Sexy Asian Model
Name: Azaylia Sen
Ethnicity: Filipina/Japanese
Location: San Diego
Zodiac: Virgo
Hair: Brown
Eyes: Brown

Hi, my name is Azaylia Sen. I'm currently living in San Diego and have lived all over like a Navy Brat.

For all of you wondering what my ethnicity is I'm part Filipina and Japanese, that always seems to pop up in a conversation… it's always fun to see if people can guess!

I have a very fun, loving personality.

I also love playing video games! =) My favorite is the drums in Rockband, beware i'm very competitive!

Kim Lee, Hot Asian Girl

Posted: 04 Nov 2008 09:10 AM PST

Kim Lee, Hot Asian Girl

Name: Kim Lee
Location: Los Angeles
Zodiac: Gemini
Hair: Brown
Eyes: Brown

I WAS BORN AND RAISED IN SOUTHERN CALIFORNIA CURRENTLY LIVING IN L.A.

I'M A GEMINI.

I LOVE PLAYING THE PIANO…MUSIC, PEOPLE, WORKING OUT, SHOPPING OF COURSE, FASHION… SHOES AND MORE SHOES! LOL.

TRAVELING,EATING, SLEEPING, SPENDING TIME WITH MY FAMILY AND FRIENDS. DONT LET MY PICS FOOL U!

IM A NICE PERSON WHEN U GET TO KNOW ME, I GOTTA ADMIT I CAN BE SELFISH AT TIMES. I LOVE TO LAUGH AND MAKING PEOPLE LAUGH:P

Honey Jo, Sexy Cambodian Hot Girl

Posted: 04 Nov 2008 08:29 AM PST

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Honey Jo, SWEE T Sexy Cambodian Hot Girl

Honey Jo, sweet Sexy Cambodian Hot Girl

Honey Jo, Sexy Cambodian Hot Girl

Sexy Cambodian Girl
Name: Honey Jo
Location: Long Beach, Ca
Ethnicity: Cambodian
Height: 5′4
Weight:100 lbs.
Measurements: 34C-24-30

Honey Jo comes to us from Long Beach, CA. She is a full blooded Cambodian Queen, even though she's too modest to admit to the "Queen" title.

Honey Jo is an exotic, natural beauty with the face of an angel and the body of a goddess, but don't let her innocence full you, she's got a little bit of the devil inside of her.

Honey Jo's look can only be described as a perfect combination of flawless beauty and intense sexuality.

This sexy Asian girl will always keep you coming back for more.

Watch out for this Asian Hottie, she will be a Superstar one day!

Diana Le, Sexy Hot Vietnamese Girl

Posted: 04 Nov 2008 08:13 AM PST

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Diana Le, Sexy Hot Vietnamese Girl

Name: Diana Le
Ethnicity: Vietnamese
Location: Los Angeles
Height: 5′ 1
Weight: 93 lbs.
Hair Color: Black
Eye Color: Brown
Shoe Size: 5
Dress Size: 0
Measurements: 34C-23-33

I was born on Christmas Eve at 3:10 am in 1981, the year princess Diana became the Princess of Wales, so my parents named me Diana, adding on the Le to show my cultural roots.

I was born in Wichita Falls, Texas, but soon after my family moved to sunny southern California, where I have lived ever since.

Raised in a family of five children, my parents were strict but loving.

My parents divorced a few years later, but nevertheless, I had a happy, normal childhood. Being the baby of the family, I was spoiled rotten!

I graduated with the class of 2000 and I am currently attending college as a business major. I'm also on the dean's list. =) In my spare time, I hang out with my girlfriends, going clubbing and bar hopping or just shopping all day!

When the weather is nice, I can spend all day lounging at the beach with a book and a radio. I also spend a lot of time with my boyfriend, we do anything and everything together.

But the best thing to do of all is just relaxing at a bar, with a beer and spinach and artichoke dip.

In the next few years, I see myself graduating from school and having a career in business or communications.

I want to travel the world then finally get married to the man of my dreams and have lots of beautiful kids. As for right now, I'm living a wonderful life, enjoying it one day at a time.

Lana Lopez, Sexy Thai-Mexican Hot Girl

Posted: 04 Nov 2008 08:53 AM PST

Lana Lopez, Sexy Thai-Mexican Hot Girl

Name: Lana Lopez
Ethnicity: Thai/Mexican
Hometown: Santa Monica, Ca
Zodiac: Pisces
Height: 5′1
Weight: 103 lbs.
Measurements: 32C-28-34

Here we have a super sexy Thai girl by the name of Lana Lopez. She was born and raised in Southern California.

Here's what Lana has to say about herself:

The things in life I find enjoyment out of are spending time with the people closest to me, my family, friends and pet.

I enjoy getting out and seeing the world and all the people in it. I like museums, music, dancing, art and good food. When I am alone, I like to read books and write and have recently been painting.

I have been modeling now for 3 years and got my start while covering for a model that couldn't make it to a trade show.

While working, I was asked to test shoot for a car magazine and ended up working with them exclusively, which ended up being a great experience.

I decided to explore other areas of modeling and realized how much I loved being in front of the camera. It is a form of art for me.

I have decided to focus on my personal model site, giving me the freedom to create through my personal inspirations. I look forward to sharing and receiving feedback from fans.

I also enjoy working with various talent such as other models, photographers and make-up artists, and seeing what art we can create together.

Lisa Marie Scott, Sexy Hot Japanese Model

Posted: 04 Nov 2008 07:33 AM PST

Lisa Marie Scott, Sexy Hot Japanese Model

Lisa Marie Scott was born on February 1, 1974, in Pensacola, Florida, the daughter of a Naval dentist from Chicago and a Japanese mother who met while her father was stationed in Okinawa.

Born into a military family meant Lisa moved around quite a bit as a child, living in such places as Guam, San Diego, Hawaii, Japan and Virginia.

During her junior high school years, the family moved to Orange County, California, where they settled.

By her senior year in high school, Miss Scott had blossomed into a pretty young girl, and was voted Homecoming Queen and Most Talented Girl.

She also had become quite an accomplished ballerina, and was accepted to ballet-training programs with The Boston Ballet, The Joffery Ballet, The San Francisco Ballet and The Chicago Ballet.

After a brief stint at the University of California at Irvine, she joined a ballet company in the Pacific Northwest, appearing in productions of The Nutcracker (of course), Coppelia, Swan Lake, Sleeping Beauty, Romeo and Juliet, Don Quixote, Giselle, Le Corsaire and Carmina Burana.

Missing her family and Southern California, she left professional ballet behind when an offer to pose for Playboy magazine came along.

It was her first experience posing nude, but the exhiliration of modeling sans clothes convinced her to make a permanent career change. She was named Miss February 1995 by Playboy, and traveled the world promoting the magazine.

In addition, she began auditioning for television and film roles and landed guest appearences on shows like 'Friends,' 'Baywatch,' 'Married with Children,' 'High Tide' and 'MTV's House of Style,' Deciding that she wanted to return to college, Miss Scott applied for and was accepted to several Ivy League universities, but chose to attend UCLA due to its close proximity to home.

Majoring in history, she graduated in March 2000 summa cum laude in the honors program. Transfering to law school shortly thereafter, she found her main interests to be intellectual propery and feminist law.

Overburdened by the workload and coming to believe she'd never be happy as a lawyer, Miss Scott quit law school and returned to modeling full time, setting up her own website (www.lisamariescott.com) in the process.

She's continued to pose for magazine pictorials (in FHM and Vanity Fair, among others) and makes appearences at conventions all over the country. Her main desire now is to continue modeling, marry, and one day have a family.

Lyla Dee, Sexy Cambodian Model

Posted: 04 Nov 2008 05:58 AM PST

Lyla Dee, Sexy Cambodian Model

Lyla Dee, Sexy Cambodian Model
Lyla Dee

Name: Lyla Dee
Birth Date: Sept. 30, 1982
Hometown: Los Angeles, CA
Ethnicity: Cambodian
Zodiac:
Height:5′0
Weight: 95 Lbs
Measurements: 34c-22-36
Hair: Black
Eyes:Brown

Just an average girl who started modeling to get closer to her singing career. I wouldn't quite say she's average, just a tad bit above average. Ok, she's super hot and not average at all.

Lyla Dee has a die hard passion for singing, a girl who loves music.

She wants someone who wants her for her goofy self, someone who would accept her for her… the whole sabang and everything that comes with her…..

Someone who accepts all her hobbies, her eating habits, the way she dresses, acts, and live..

She wants someone who wont try and change her and just loves her for who she is…

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2009-04-06T17:30:00.001-07:00

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How To Get Out of Debt

Posted: 06 Apr 2009 01:32 PM PDT

How To Get Out of Debt

Brought to you by The Debt Killer

Lesson 1: Setting the Foundation

In this moment of financial crisis I thought a good idea to share with you my readers something that may be of interest to your pockets...debt and debt management

Key points

1.As a financial topic, debt is simple. There are no complicated secrets, but -- unfortunately -- there are no easy solutions either. It's going to take discipline to bury the debt monster. Anybody who says otherwise is probably just after your money.

2.It doesn't take a reckless person or a wild spending spree to create a debt crisis. A consistent pattern of spending just a little more than you make, over time, can lead to a serious problem.

3.Compound interest is a powerful force that works either for you or against you. If you want this force on your side, you'll have to rise above the advertisers and bankers that are used to having the force on their side.

4."Good debts" combine a low, tax-adjusted interest rate with the potential to gain something that appreciates in value.

Welcome to The How to Get Out Of Debt quick course on beating debt! We are highly committed to turning net debtors into net savers, replacing the slavery of monthly payments with the joy of expanding investments. We sincerely hope that this series is a big step in that direction for you.

Continue reading here

Getting out of debt

Posted: 06 Apr 2009 12:27 PM PDT

Lesson 1: Setting the Foundation

In this moment of financial crisis I thought a good idea to share with you my readers something that may be of interest to your pockets...debt and debt management

Key points

1.As a financial topic, debt is simple. There are no complicated secrets, but -- unfortunately -- there are no easy solutions either. It's going to take discipline to bury the debt monster. Anybody who says otherwise is probably just after your money.

2.It doesn't take a reckless person or a wild spending spree to create a debt crisis. A consistent pattern of spending just a little more than you make, over time, can lead to a serious problem.

3.Compound interest is a powerful force that works either for you or against you. If you want this force on your side, you'll have to rise above the advertisers and bankers that are used to having the force on their side.

4."Good debts" combine a low, tax-adjusted interest rate with the potential to gain something that appreciates in value.

Welcome to The How to Get Out Of Debt quick course on beating debt! We are highly committed to turning net debtors into net savers, replacing the slavery of monthly payments with the joy of expanding investments. We sincerely hope that this series is a big step in that direction for you.

Since you've decided to take a debt seminar, we're going to guess that money problems are at least nipping at your heels. Or perhaps - worst case - an overwhelming debt burden is pushing you to the edge of financial disaster. Since we don't know exactly where you are, we take a big-picture approach in this first lesson.

If debt is not currently a problem - you're just here to learn and head off future problems - let's get started with the basics of managing debt and the fundamentals upon which you will build your financial success.

Beating Debt Is Simple, But Not Easy

Getting out of debt and staying out of debt is actually pretty simple, at least compared to most money management topics. It boils down to spending less money than you make, on a consistent, long-term basis. That's it. Nothing else will get the job done. Nothing.

And it's easy too. Right? Wrong! While conquering debt won't send you scrambling for thick math textbooks, it's an ocean away from easy. One moment of weakness - or worse, one cruel act of fate - and you're scratching and clawing your way back out of the hole. It's not easy.

So, how did something so simple get to be so hard? Because beating debt demands a lot of will power over a long period of time. If you've been a human being for any length of time, you know that this is one tough combination to nail down.

We know we're preaching and it's a pretty depressing sermon. But we're afraid there's no getting around it. Over the long term, regularly spending more than you make - even just a little more - will bring your financial house down, even if you are the most responsible of bill payers. Until this basic lesson is taken to heart, even bankruptcy is just a temporary solution.

How Careful Do You Have to Be?

Consider two simple examples, starting with a positive one. Let's say that you begin setting aside $75 every month, in savings earning 5% interest. If you can pull this off for five years, you'll end up with a comforting $5,100 in emergency savings.

Now, let's turn this picture on its head, and assume that you come up short by the same $75 per month, on average, over the same five years. Further, assume that you routinely patch over this difference with a credit card. Note that we're talking about less than $20 per week here - hardly a symptom of reckless "retail therapy." Nonetheless, at the end of five years you'll be looking at more than $7,200 in debt, assuming an 18% credit card interest rate.

That's an extra $2,100 in debt, beyond the $5,100 earned by saving $75 per month. This is the difference between saving and paying down debt. Saving is hard enough, but paying down debt is $2,100 harder!

And this difference just gets bigger as time goes on. While your bank savings work hard twenty-four hours a day to make you more money, any outstanding credit card debt is likely to be working three times harder, charging a much higher interest rate than your savings pay.

Moreover, as a saver you have the force of compound interest on your side, the idea that your balance starts to snowball as you earn interest not only on your deposits but also on the interest payments you leave in the account. As a debtor, this same powerful compounding force works against you, and the higher the interest rate, the faster the snowball builds.

Good Debt versus Bad Debt

We've been talking tough about consumer debt, but we do realize that some debts are an inescapable part of life for most of us. Still, even when we carry debt, there are some basic debt management rules that will keep the lid on problems:

* Be especially wary of double-digit debt - credit cards and loans that charge 10% or more in annual interest. At this level, balances snowball quickly, and it's tough to get a return on the borrowed money that beats this cost.

* Good debts, like some mortgages and student loans, combine two things:
1) a relatively low, tax-adjusted interest rate; and
2) the potential to invest in something that, over the long run, will grow in value.

* Ignore banker's rules for "acceptable" levels of debt. These are designed by banks to maximize their income. Their calculations cleverly keep you far enough under water that you continue to pay them interest, but not so deep that you go broke. Don't be a slave. Set tighter rules on your own.

Summary - The Personal Finance Divide

Somewhere in every mountain range there is a line that divides water flow. On one side of the line, for example, water flows east. On the other, it flows west. Regardless of direction, these rivers and streams start out as a trickle but quickly pick up speed as they head down the mountain, finishing as raging torrents.

Money and wealth work exactly the same way. Over time, you'll end up on either the savings or the debt side of the personal finance divide. It doesn't take much to nudge you one way or the other, but once a direction is established, the momentum tends to build and it gets harder and harder to go back.

If you want to "nudge" yourself in the savings direction, just remember that it all boils down to spending less money than you make, on a consistent long-term basis. (We're hoping you've noticed that this is an important point.)

Come for more...

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2009-03-31T17:29:00.001-07:00

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Adult Dirty SMS Text Messages5

Posted: 31 Mar 2009 06:47 AM PDT

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2009-03-29T11:31:00.001-07:00

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Ursula Mayes

Posted: 05 Nov 2008 07:18 AM PST

Ursula Mayes

Name: Ursula Mayes
Birth date:
Ethnicity: Korean, German, Native American
Profession: Model/Actress/Spokesmodel
Favorite bar: Lizard Lounge
Favorite drink:Vodka, burbon on the rocks (no sissy drinks here)
First job: Waitress
Favorite piece of lingerie? I prefer to be naked
Dirtiest secret: "In the film The Lover, a man slowly reaches out his hand to a French girl. He almost orgasms from touching her. I love that scene's passion."
Sexual pet peeve: "I'm not someone who likes guys going down on me. I just don't."

Ursula Mayes (full name Ursula Yvonne Mayes) was born on August 9, 1979, at a military base in Seoul, South Korea. She is a beautiful and well known model.

Her exotic looks come from her Korean mother and German/Native-American father.

Growing up as an army brat has led her life to many places. Having traveled so much as a child now carries into her current life. Landing a spread in Maxim Magazine and shortly after, a spokesmodel campaign with a global events company she embarked on a 20 city nationwide tour.

Currently, she is their global spokesmodel with travels extending to Asia, Europe, and Guam. Ursula is also the host for Action Media, interviewing various celebrities, musicians, athletes, and corporate sponsors.

On prime time t.v, Ursula appears as suitcase model #5 on NBC's hit game show Deal or No Deal with host, Howie Mandel.

Ursula's unique, diverse look gets her noticed and makes her a fit anywhere she goes. But it is her ability to complete a wide array of roles, hard work ethic and her down to earth nature that makes her professionalism shine.

From model, actress, to international spokes model and such much more…Ursula loves to embark on adventure that involves creative self-expression, traveling the world, helping others and learning

Sunisa Kim,Sexy Thai-Cambodian Model

Posted: 05 Nov 2008 06:48 AM PST

Sunisa Kim,Sexy Thai-Cambodian Model

Name: Sunisa Kim
Birth Date: N/A
Ethnicity: Thai/Cambodian
Location: Los Angeles, CA
Hair: Brown
Eyes: Brown
Height: 5′8″
Weight: 115 lbs.
Measurements: 34-24-35

As one of eight children, Sunisa Kim knows how to fight for what she thinks should be coming her way.

Sunisa Kim is a model/actress from Los Angeles, CA. Starting her career in the Automotive industry, she has quickly matured in her pursuit of stardom.

Today she spreads the covers of many magazines and publications, has made several TV appearances, even starred in a Japanese sitcom.

Toni Leigh, Sexy Chinese Hot Model

Posted: 05 Nov 2008 06:31 AM PST

Toni Leigh, Sexy Chinese Hot Model

Sexy Chinese Model
Name: Toni Leigh
Location: Beverly Hills/LA, CA
Ethnicity: Chinese
Birthday: Jan 29th
Height: 5′6
Weigh: 105 lbs
Measurements: 32C, 23″, 35″
Education: New York University, College of Arts and Science B.S. Economics, Minor: Chemistry
Likes: high heels, stockings, miniskirts, rain, snowboarding, windsurfing, painting, dancing, electronic gadgets, traveling, and witty jokes.
Dislikes: people with bad tempers, long lines, traffic, and bugs

I love wit, big hands and soft skin.

I hate arrogance, bad hygiene, and sweaty palms

Hey! my name is Toni Leigh, I live in sunny SoCal, West LA to be exact. I've also live in Toronto, and New York.

I'm Chinese, yup 100%.

I work as a model for the web, print, music videos, TV, events, webisodes, hosting, and gogo dancing.

Christine Honey Cruz, Sexy Filipina Import Model

Posted: 05 Nov 2008 06:21 AM PST

Christine Honey Cruz, Sexy Filipina Import Model

Christine Honey Cruz
Height: 5'7"
Ethnicity: Filipina
Location: Cali
Measurements: 34-25-35
Hair: brown-blonde
Eyes: brown

Christine Honey Cruz was born in the Philippines. When she was in High School, she played the character of Juliet in "Romeo and Juliet" and the Queen of Rome in a Bible stage play. She directed and acted in a few short films in drama and comedy.

Christine Honey Cruz started modeling when she was 16 and was discovered by a Filipino designer that has a well known boutique to most Filipinos in Los Angeles. She modeled for him and walked the catwalk in all of his fashion shows for 5 years.

Then she was scouted dancing at a famous Hollywood club and received invitation to dance to the taping of Soul Train.

Christine Honey Cruz became a regular dancer for Soul Train and appeared on TV every weekend.

Within the period of Soul Train and modeling, she finished college and earned a Bachelor of Science degree in Computer Information Systems also known as Computer Science. Stopped modeling as well as dancing for Soul Train and pursued her career in Information Technology.

After a few years, she was scouted by a talent agency and signed a contract with them. Attended Hot Import Night events and graced the pages of 2 Wheel Tuner, Import Tuner and RPM magazines.

Christine Honey Cruz has been featured in several movies like CRANK 2, Mask of the Ninja and Street Warriors.

Christine Honey Cruz models for several photographers, internet sites, been featured in Asian Angels Calendar and Images from Asia Calendar, featured as Vixen - vampire hunter character on Red Skye comic book, made appearances at events, fashion shows, background model and a dancer for music videos.

Stephani Sweet, Sexy Vietnamese Hot Girl Girl

Posted: 05 Nov 2008 06:09 AM PST

Stephani Sweet, Sexy Vietnamese Hot Girl Girl

Sexy Vietnamese Girl
Name: Stephani Sweet
Ethnicity: French/Vietnamese
Hair: Brown
Eyes: Brown
Height: 5′0
Weight: 92 lbs
Measurements: 34C-28-32

Visit Stephani Sweet!

Stephani Sweet. Her name says it all is a "sweet mixture" of Vietnamese and French, Big heart, lots of personality, and lots of smiles.

Serena Vo, Sexy Vietnamese Hot Girl

Posted: 04 Nov 2008 11:40 AM PST

Serena Vo, Sexy Vietnamese Hot Girl

Sexy Vietnamese Girl
Name: Serena Vo
Birth Date: 11-18-1986
Hometown: Indiana
Ethnicity: Vietnamese
Zodiac: Scorpio
Height: 5′3″
Weight: 102
Measurements: 32 -24-34
Hair: Black
Eyes: Brown

Well, I started my career in the industry by doing some print work, ads and host couple of events. In November 2007, I decided to get into modeling, and as they say, the rest is history!

I'm a very persistant person when it comes to getting what I want.

For those of you who are wondering, I am 100% Vietnamese! YES! I do have freckles on my cheeks…haha but I love it and so does everyone else! It gives me character!

I'm a big goofball and extremly clumsy, those who know me well, know that I ALWAYS have bruises all over my body because I tend to walk into things! I love to laugh…its' my favorite!

I must admit that I am a bit impatient and I hate when people interrupt me when I'm talking. I love instant gratification, so when I have to wait for something, I am not a happy camper.

I'm very goofy, fun, outgoing, loyal, and honest… I'm always down for a good time. You will rarely find me in a bad mood. Sometimes I find myself laughing at my own jokes, thinking that I am the funniest person alive. I like to keep people guessing and only divulge information when I want, I never volunteer it.

I am very private and have been told that I can be a mysterious person. I'm a driven person and set high goals that may seem unattainable, but thats because it will always keep me striving for more. I expect only the best and will accept only the best! I try to see the good in everyone, but unfortunately, good does not always exist in all people.

I'm a big procrastinator and am usually late to almost everything.

I like to make sure that the people I surround myslef with are real and down to Earth, and I always get to know someone before I can let them in.

I love to smile and I love to be around people who can make me laugh hysterically. I cherish my friendships and know that good friends are hard to come by, so I am very, very blessed to have the friends I do, and I love my friends muchos! I am also greatful for my loved ones and don't know where or who I would be without them. I love hanging out with my friends and having a good time! But if you see me out, please don't stare, it's not polite!

I dislike people who are fake and dishonest. I hate preconceived notions because chances are most of the time, they're wrong. I also hate broken promises, so if you tell me you're going to do something, please follow through! I hate that when people can't find something bad to say about you, they make things up.

I hate rumors and people who pass them along. I'm a very affectionate person, esp. when it comes to my favorites! I'm unselfish when it comes to giving hugs and like to spread my love hehe.

Leela See, Sexy Lahu-Thai Hot Girl

Posted: 04 Nov 2008 11:26 AM PST

Leela See, Sexy Lahu-Thai Hot Girl

Leela See

Sexy Lahu Girl
Name:LEELA SEE
Hometown: FARMERSVILLE
Ethnicity: LAHU
Zodiac: CANCER
Height: 4′10
Weight: 98
Measurements: 34B-24-34
Hair: DARK BROWN
Eyes: BROWN
Website: MYSPACE. COM/LEELASEE

HI…I'M LEELA SEE AND I LIVE IN THE CENTRAL VALLEY, C.A. (=

I WAS BORN IN THAILAND BUT RAISED HERE IN CALIFORNIA SINCE I WAS 2 YEARS YOUNG.

I'M CURRENTLY GOING TO SCHOOL FOR REGISTERED NURSING OR MY MINOR MAJOR IN LAW ENFORCEMENT. I CANT CHOOSE. hahah

I LOVE BEING WITH MY FRIENDS AND FAMILY.

I GIGGLE ALOT, YET SHY FROM TIME TO TIME.

I STARTED OF MODELING BY GOING TO EVENT IN THE BAY AREA EVENTS AND CAR SHOWS. I LOVE IMPORT CARS AND GUYS THAT DRIFTS. (=

SO I'M STILL WORKING MY WAY THROUGH WITH MODELING AND HOPE I WILL BECOME A BIG WELL KNOWN MODEL =). hehe

ALSO, I HOPE TO WORK AND MEET WITH OTHER SEXY BEAUTIFUL MODELS! ^_^

Nina Minami,Sexy Japanese Hot Girl

Posted: 04 Nov 2008 11:12 AM PST

Nina Minami,Sexy Japanese Hot Girl

Name: Nina Minami
Birth date: 12-30-1985
Location: Ibaraki, Japan
Ethnicity: Japanese
Zodiac: Capricorn
Hair: Brown
Eyes: Brown
Height: 5′1″
Bust: 35
Waist: 24
Hip: 34
Foot: 24cm

Nina Minami was born on December 30th 1985 in Ibaraki , Japan.

She is a beautiful Japanese Model.

This Japanese cutie has graced the covers of man Japanese Magazines such as young magazine, young Sunday and g-girl.

Nina Minami even has a self-titled DVD photobook on her resume.

Lynhthy Nguyen, Sexy Vietnamese Hot Girl

Posted: 04 Nov 2008 10:51 AM PST

Lynhthy Nguyen, Sexy Vietnamese Hot Girl

Azaylia Sen, Sexy Hot Filipina-Japanese Model

Posted: 04 Nov 2008 09:33 AM PST

Azaylia Sen, Sexy Hot Filipina-Japanese Model

Kim Lee, Hot Asian Girl

Posted: 04 Nov 2008 09:10 AM PST

Kim Lee, Hot Asian Girl

Honey Jo, Sexy Cambodian Hot Girl

Posted: 04 Nov 2008 08:29 AM PST

Honey Jo related tags Honey Jo naked Honey Jo nude pictures Honey Jo photos Honey Jo in bikini

Honey Jo, SWEE T Sexy Cambodian Hot Girl

Honey Jo, sweet Sexy Cambodian Hot Girl

Honey Jo, Sexy Cambodian Hot Girl

Diana Le, Sexy Hot Vietnamese Girl

Posted: 04 Nov 2008 08:13 AM PST

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Diana Le, Sexy Hot Vietnamese Girl

Lana Lopez, Sexy Thai-Mexican Hot Girl

Posted: 04 Nov 2008 08:53 AM PST

Lana Lopez, Sexy Thai-Mexican Hot Girl

Lisa Marie Scott, Sexy Hot Japanese Model

Posted: 04 Nov 2008 07:33 AM PST

Lisa Marie Scott, Sexy Hot Japanese Model

Latest Super Hot Girls

2009-02-17T20:53:00.001-08:00

Latest Super Hot Girls

Chicblogclub : Hot news, Buzz, People, Sexy models, Naked girls, Free sexy stuff

Posted: 17 Feb 2009 08:50 PM CST

Chicblogclub : Hot news, Buzz, People, Sexy models, Naked girls, Free sexy stuff

Lily Allen panties

Posted: 17 Feb 2009 12:08 AM PST

Lily Allen shows off her “third nipple” during interview with Elvis Duran and the Z100 Morning Show at the Z100’s Party Plane with OP hosted by Atlantis, Paradise Island at Atlantis on February 13, 2009 in Paradise Island, Bahamas.

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Latest Super Hot Girls

2009-02-16T20:52:00.001-08:00

Latest Super Hot Girls

Chicblogclub : Hot news, Buzz, People, Sexy models, Naked girls, Free sexy stuff

Posted: 16 Feb 2009 10:30 PM CST

Chicblogclub : Hot news, Buzz, People, Sexy models, Naked girls, Free sexy stuff

Aubrey O’Day Naked Playboy Pictures

Posted: 16 Feb 2009 12:03 AM PST

These pics were announced last week and we get some of the set. Humm Aubrey O’Day naked in Playboy. We are used to see the singer of the sh*tty girls band Danity Kane in exposed situation.

If you want to see more of Aubrey O’Day naked, you can find it at Playboy.com and the Cyber Club.

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Latest Super Hot Girls

2009-02-14T20:45:00.001-08:00

Latest Super Hot Girls

Chicblogclub : Hot news, Buzz, People, Sexy models, Naked girls, Free sexy stuff

Posted: 13 Feb 2009 10:57 PM CST

Chicblogclub : Hot news, Buzz, People, Sexy models, Naked girls, Free sexy stuff

Kim Cloutier in Sport Illustrated Swimsuit 2009

Posted: 13 Feb 2009 12:37 AM PST

Kim Cloutier may be the hottest “rookie” in the 2009 Sports Illustrated Swimsuit Issue. She is a young Canadian supermodel from Montreal, 21 years old.

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Latest Super Hot Girls

2009-02-12T20:59:00.001-08:00

Latest Super Hot Girls

Chicblogclub : Hot news, Buzz, People, Sexy models, Naked girls, Free sexy stuff

Posted: 12 Feb 2009 08:16 PM CST

Chicblogclub : Hot news, Buzz, People, Sexy models, Naked girls, Free sexy stuff

Bar Refaeli video from SI swimsuit photoshot

Posted: 12 Feb 2009 12:58 AM PST

Grenadines islands is the place to be in these cold times. The beaches over there are populated with creatures of dreams, almost completely undressed.

Bar Refaeli in Sports Illustrated Swimsuit 2009

Posted: 12 Feb 2009 12:39 AM PST

Bar Refaeli was photographed by Raphael Mazzucco in Canouan Island, The Grenadines. Swimsuit by Beach Bunny Swimwear. Bar Refaeli, is the 2009 Sports Illustrated Swimsuit Issue Cover Model. The new release has come this week with a plenty of smokin’hot supermodel. I’ll post some soon.

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Latest Super Hot Girls

2009-02-11T20:51:00.001-08:00

Latest Super Hot Girls

Chicblogclub : Hot news, Buzz, People, Sexy models, Naked girls, Free sexy stuff

Posted: 11 Feb 2009 09:34 PM CST

Chicblogclub : Hot news, Buzz, People, Sexy models, Naked girls, Free sexy stuff

Amateurs Selfshots #14

Posted: 10 Feb 2009 11:34 PM PST

Today it’s amateurs…

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Latest Super Hot Girls

2009-02-09T21:04:00.001-08:00

Latest Super Hot Girls

Chicblogclub : Hot news, Buzz, People, Sexy models, Naked girls, Free sexy stuff

Posted: 09 Feb 2009 12:51 AM CST

Chicblogclub : Hot news, Buzz, People, Sexy models, Naked girls, Free sexy stuff

Reef Girls thongs

Posted: 08 Feb 2009 01:04 PM CST

If you had to take one guess what Reef sells, you'd probably put your money on thongs (the butt kind) before you'd ever guess that they make sandals and surf gear. Which is why they're freakin' awesome. From magazine ads to Miss Reef competitions, Reef has been the leader in finding perfect asses for as long as we can remember. So let's take a moment to honor their greatness with…you guessed it - a bunch of amazing Reef Girl booties!

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Latest Super Hot Girls

2009-02-06T20:54:00.000-08:00

Latest Super Hot Girls

Chicblogclub : Hot news, Buzz, People, Sexy models, Naked girls, Free sexy stuff

Posted: 06 Feb 2009 01:07 AM CST

Chicblogclub : Hot news, Buzz, People, Sexy models, Naked girls, Free sexy stuff

Cameron Richardson, bikini babe of the day

Posted: 05 Feb 2009 11:54 AM CST

Yeah, another smoking hot Cameron Richardson photoshoot. As you may notice, it’s the bikini season, while we are in the winter, totaly freezed, people are enjoying sea, sex and sun…

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Latest Super Hot Girls

2009-02-05T20:54:00.001-08:00

Latest Super Hot Girls

Chicblogclub : Hot news, Buzz, People, Sexy models, Naked girls, Free sexy stuff

Posted: 05 Feb 2009 01:44 AM CST

Chicblogclub : Hot news, Buzz, People, Sexy models, Naked girls, Free sexy stuff

Alessandra Ambrosio is not actually human

Posted: 04 Feb 2009 11:15 AM CST

Girls, you are going to hate Supermodels a little bit more. According to The New York Daily News, Alessandra Ambrosio got her post-baby body back into shape without doing much at all. In fact, she says she only does Yoga once a week. Now take a look at these Alessandra Ambrosio bikini pictures, and think on that!

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Latest Super Hot Girls

2009-02-04T20:57:00.000-08:00

Latest Super Hot Girls

Chicblogclub : Hot news, Buzz, People, Sexy models, Naked girls, Free sexy stuff

Posted: 04 Feb 2009 01:23 AM CST

Chicblogclub : Hot news, Buzz, People, Sexy models, Naked girls, Free sexy stuff

Aubrey O’Day wet, on her knees

Posted: 03 Feb 2009 02:10 AM CST

Aubrey O'Day’s backstage, behind the scenes of her Complex magazine photoshoot. Aubrey Morgan O’Day is an American singer, actress, songwriter, and former member of the girl group Danity Kane. On the October 7, 2008 episode of Making the Band, O’Day was declared no longer a member of the group. Confirmation of O’Day’s departure was revealed in the show’s live October 14, 2008 episode.
In addition to O’Day’s work with Danity Kane, she has posed for magazines such as Blender and Complex, as well as starred on Broadway.

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Latest Super Hot Girls

2009-02-03T21:01:00.000-08:00

Latest Super Hot Girls

Chicblogclub : Hot news, Buzz, People, Sexy models, Naked girls, Free sexy stuff

Posted: 03 Feb 2009 01:22 AM CST

Chicblogclub : Hot news, Buzz, People, Sexy models, Naked girls, Free sexy stuff

Zhang Ziyi topless

Posted: 02 Feb 2009 01:53 AM CST

Zhang Ziyi is an actress you have seen in the movie Wo hu cang long, Memoirs of a Geisha, which will play in the next Metal Gear Solid. In short, as many stars at the beginning of the year,she takes some good time in the sun. She took the opportunity to show us her breasts and buttocks a little, which seems to please her boyfriend that he is not shy slip hand…

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Latest Super Hot Girls

2009-01-30T21:12:00.001-08:00

Latest Super Hot Girls

Chicblogclub : Hot news, Buzz, People, Sexy models, Naked girls, Free sexy stuff

Posted: 30 Jan 2009 01:38 AM CST

Chicblogclub : Hot news, Buzz, People, Sexy models, Naked girls, Free sexy stuff

Kamasutra reviewed…

Posted: 29 Jan 2009 03:33 PM CST

Girls and boys, I propose you to review your assets on kamasutra. The two sexy girls below’ll present you classic position like missionary, spoon, doggie, 69, cowgirl and more… It’s a good time to trained yourselft with you preferred partner. Enjoy and send me a few pics of your prowess !

Classic 69

Classic Doggie

Classic Missionary

Classic Spoon

Crazy Doggie

Deep Dish

Extended Doggie

Raised Missionary

Reverse Cowgirl

Reverse Seated Cowgirl

Reverse Spoon

Reverse Stand and Deliver

Rocking Chair

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Latest Super Hot Girls

2009-01-29T21:18:00.001-08:00

Latest Super Hot Girls

Chicblogclub : Hot news, Buzz, People, Sexy models, Naked girls, Free sexy stuff

Posted: 29 Jan 2009 01:35 AM CST

Chicblogclub : Hot news, Buzz, People, Sexy models, Naked girls, Free sexy stuff

Sexy beach girls #12

Posted: 28 Jan 2009 01:40 PM CST

News from the beaches, hotties are still here

Girls Kissing

Posted: 28 Jan 2009 12:06 PM CST

Send me your video of girls kissing and I’ll update this post. We could make a survey too !

Let me start with this good one…

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