How To Get Totally Organized – Once and For All

Free Online Tool Finally Organizes All Your Bills and Paperwork

Did you know that Americans paid over $22B in late fees and penalty fees last year?  This is especially bad news, because paying on time is the primary factor in credit scoring.  Bills arrive on different days and are due different times of the month.  Most of the time, we just get busy and forget a due date and that can hurt in more ways than one!
So what can you do?
If you’re like most people, you go through your bills one at a time.  The process can take hours every month, not to mention the valuable space it takes up in your home.
For many people, the process is not that different from what our parents did, apart from writing so many checks.  So where are the incredible new efficiencies promised by the Internet?   
Some people have started taking advantage of online banking and bill payment services now offered by their banks, and this is definitely an improvement.  But this piece-meal approach can be problematic. Consumers still have to interact separately with each company, which means unique user names and passwords to remember for each one.  And, there is still a mass of paper from companies that needs to be filed—like investment statements, health insurance summaries, and policy information.
One password – one secure place
A new service called Manilla.com now tackles this problem head-on. It provides consumers with a single login and secure online location to manage their bills and other important accounts.  It connects directly to all of the businesses you work with—your telephone company, your electric company, your cable company, your credit card—even your health insurance.  You can even manage your bank accounts, 401Ks, subscriptions, and travel & rewards programs.
No more hopping around different websites, worrying where to find important documents or missing payments, and incurring late charges or finance penalties.  It can work wonders for your credit score.
Data safety is also one of the top priorities of the Manilla.com.  Their system delivers a level of safety and security that beats that of paper documents, hands down.  Records are encrypted, redundant, and remotely stored—always safe from hackers or a natural disaster.  And, you never have to worry about someone stealing important documents in your mailbox.  That’s important, because 90 percent of information and identity theft is a related to physical mail.
Best of all, it's completely free
Manilla.com is subsidized by the utilities, banks, and other companies that benefit from the savings it provides them, so it’s completely free to consumers.  Setting up your account takes just minutes and you’ll start seeing the benefits immediately.
Click here to learn more or sign up for free now.


A how life works post

Explanation: How Brain Training Can Make You Significantly Smarter

As many people hit middle age, they often start to notice that their memory and mental clarity are not what they used to be.  We suddenly can't remember where we put the keys just a moment ago, or an old acquaintance's name, or the name of an old band we used to love.  As the brain fades, we euphemistically refer to these occurrences as "senior moments."

While seemingly innocent, this loss of mental focus can potentially have a detrimental impact on our professional, social, and personal wellbeing.
It happens to most of us, but is it inevitable? 
Neuroscientists are increasingly showing that there's actually a lot that can be done.  It turns that the brain needs exercise in much the same way our muscles do, and the right mental workouts can significantly improve our basic cognitive functions.  Thinking is essentially a process of making neural connections in the brain.  To a certain extent, our ability to excel in making the neural connections that drive intelligence is inherited.  However, because these connections are made through effort and practice, scientists believe that intelligence can expand and fluctuate according to mental effort.
Now, a new San Francisco Web-based company has taken it a step further and developed the first "brain training program" designed to actually help people improve and regain their mental sharpness.  Called Lumosity, it was designed by some of the leading experts in neuroscience and cognitive psychology from Stanford University.
Lumosity, is far more than an online place to exercise your mental skills.  That's because they have integrated these exercises into a Web-based program that allows you to systematically improve your memory and attention skills.  The program keeps track of your progress and provides detailed feedback on your performance and improvement.  Most importantly, it constantly modifies and enhances the games you play to build on the strengths you are developing--much like an effective exercise routine requires you to increase resistance and vary your muscle use.
Does it work?
Apparently it does. In randomized, controlled clinical trials Lumosity was shown to significantly improve basic cognitive functions. One study showed students improved their scores on math tests by 34 percent after using Lumosity for six weeks, significantly greater gains than those made by other students in the same class, who were not training with the Lumosity program.
The company says its users have reported clearer and quicker thinking, improved memory for names, numbers, directions, increased alertness and awareness, elevated mood, and better concentration at work or while driving.
While many of the games at Lumosity are free, a modest subscription fee is required to use the full program over the long term.
However, Lumosity is currently offering a free trial of their program to new users so that you can see how well it works before you decide to subscribe.  The trial is completely free (no credit card required) and the company believes the results will speak for themselves.
Click here to try for yourself.

originaly posted on how life works

LADIES: 21 SEX TIPS TO SPICE UP YOUR SEX LIFE....

1. Play Up His Deep Pockets

When he's least expecting it, tell your man you need some change. Then stick your hand in his pocket and touch his penis through the fabric, pretending that you're really digging around for that coinage you need. When he's good and hard, whisper something in his ear like, "Is that a roll of quarters in your pocket or are you just glad to see me?" He'll practically bust out of his pants.

2. Pop His Cork
Try the oral-sex technique “The Screw.” As you're moving up his shaft with your mouth, turn your head a bit from side to side, letting your tongue follow a corkscrew pattern. When you get to the frenulum — that part of the shaft just beneath the head — be sure to lick it for a few seconds before moving all the way up to the top. Then repeat, moving down his shaft. What will drive him wild about this is that you aren't just going up and down — you're also going sideways. It's 3-D!

3. Get Dirty In The Tub
Before you get it on, take a bath together. Bring out the candles and fluffy towels, then put two drops of patchouli oil, three drops of sandalwood oil, and three drops of lavender oil into your bathwater. Patchouli and sandalwood are awakens sensuality, and lavender induces relaxation. The combination of scents and warm-water sensations will completely prime your bodies — and minds. For a truly sensual and erotic experience try this water-friendly sex position.

4. Strut Your Stuff
The next time you go out with your man, wear your sexiest outfit. Sometimes you have to remind your guy that you're a prize, not an appendage. It really turns most guys on to know they have someone other men want to be with. And it can be a tremendous ego boost for you, too. When you feel sexy, you are sexy. Once you return home from your diva-date, you won't be able to keep your hands off each other.

5. Touch Yourself... With His Penis
Shake up your pre-sex routine by pressing his penis against surprising parts of your body. Try these frisky ideas. Hold his penis against your inner thigh to tease him like crazy; touch the tip of his penis against your breast, and rub his frenulum against your nipple; or bring the side of his shaft against the outside of one of your cheeks, then put it up to your lips and cover it with wet kisses.

5. Unhand Your Man
Give your man a massage without using your hands. Before you begin, slowly undress your partner, but make sure that he stays warm. Then, keeping your hands at your side or behind your back, stroke his body (all except for his penis) with your face, hair, and breasts. Once he's totally relaxed, rub your breasts against his penis and he'll happily rise to the occasion.

6. Try Finger-Food Foreplay
Have a romantic dinner without utensils so you can feed each other. There's something sensual about placing food in your partner's mouth. After a meal like this, serve yourself for dessert.

7. Love Your Booty
Look at yourself naked in a full-length mirror for five minutes a day and focus on what you love about your body. If this feels awkward, get ready or blow out your hair while standing naked in front of the mirror. By getting used to your unique shape, you'll gain confidence that will naturally spill over into your sex life and make you twice as enticing to your guy.

8. Pleasure His Penis
Cup your hand around his member, creating a "bun" around his "hot dog." Then kiss the part of his penis that's exposed while breathing hard. Your hand will trap your exhalations and make his penis feel superhot. With your other hand, work his testicles. He'll think he has died and gone to heaven.

9. Keep Your Pants On
Encourage your man to touch you when you have your favorite tight jeans on (and don't let him take them off). His hand can glide over your crotch more easily, and the material will transmit the sensations over a wider area.

10. Toy With Him
Stock up on sex toys like velvet-lined handcuffs and silk blindfolds. You can never go wrong with a vibrator. Ask him to buzz it against your clitoris or tell him simply to sit back and watch you handle it. It will feel amazing for you, and he'll be turned on just by seeing you so turned on.

11. Pucker Up
Share a passionate 10-second kiss every single day. A lot of couples keep having sex but stop really kissing. And that's a shame, because it's such a wonderful, intimate act. So just go up and lay one on him. Instantly, you'll feel passionate instead of platonic. What a rush!

12. Touch A (Sensual) Nerve
One of the most explosive nerves in the body is located at the top of the inner thigh. Start by licking your finger (the wetness increases the stimulation) and slowly drawing it from the mid–inner thigh to the top. Then follow the path you just traced with your tongue, teasing your way to the upper region. Because the skin here is tender, it's important to watch how he reacts. If he flinches, you're exciting the nerve to the point where it feels too ticklish. If he flinches, give the area firmer kisses.

13. Have Hotel Sex At Home
Try re-creating the away-from-home atmosphere in your own bedroom. Buy sheets with the highest threads-per-inch count you can find (look for 200 and above), and invest in some thick, fluffy robes to lounge around in. You'll both feel like you're on an incredible vacation from the rest of the world.

14. Make It A Quickie
If you're turned on at an inopportune time and in semi-public place, act on your feelings. Although it feels a little bit naughty, a quickie will help you stay faithful. People often have affairs solely for the illicit rush from doing something "bad." Quickies allow you to experience all of the having-an-affair thrill with none of the cheating.

15. Keep Your Eyes Open
Watching his every move while you’re hooking up is a great way to explore more of the emotional side of intercourse. Start by kissing with your eyes open and looking at each other during foreplay. Gradually build up until you can sustain eye contact throughout both of your climaxes. You'll experience your orgasm in a totally different way.

16. Give Him Props
Great sex is all about angles — the angle of his erection and your pelvis determine exactly what hot spots he'll hit and how tightly he'll feel gripped. That's why pillows can be passion's best friend. Try one under his butt while you're on top or supporting your tailbone in the missionary position. You'll be surprised how many new sensations you both experience just by adding a pillow.

17. Let Go Loudly!
Moan, let out animalistic noises or shout his name — whatever you have the urge to do. If you're embarrassed, just know that you're doing your partner a favor. The more you express your pleasure, the more you make him feel like the stud of the universe. Bonus: Your orgasms will be even more powerful if you really let 'er rip vocally.

18. Turn-Around... And Turn Him On
Face his legs instead of his face when you're on top. (Hold on to his feet for balance.) He'll get a great view of your backside — a surefire turn-on. And if his erection points straight out instead of up, this position will feel especially incredible to him

19. Be The Boss In Bed
Tell your guy to lie down, then use handcuffs, scarves, or a necktie to tether his hands together so he can’t touch you. Next, you want to torture him playfully with your teasing. Slowly kiss your way down his torso, and just as you get to his pelvis, move back up to his ears and neck. As you tantalize him and he strains to touch you, ask him to tell you why he wants you so bad. Once he’s pleaded his case allow him to take over.

20. Don't Wait To Exhale
You can actually use your breath to control your orgasm. With each exhalation, imagine that you're pushing the satisfying sensations throughout your body — instead of just letting them build up below the waist. When you finally let go, you'll feel the orgasm from head to toe.

21. Maximize Each Moment
Try doing the same things you always do in the bedroom, but slow down to one-fourth of your normal speed. You and your guy will have time to really bond, and since you'll be feeling sensation over a longer period of time, your orgasms will likely be out of this world.

By Cäptain Babuu on Wednesday, September