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Valentine’s Day is coming up and you are looking to get her a perfect gift for this one special night romance. It is important to find the right present that fits her style and ideas. Depending on where you guys are in the relationship, there are different type of gifts to consider. I’ve combined a list of the top 10 awesome Valentines present ideas for her.

1. Valentines’ flower is obviously one of the best choice no matter how serious or new the relationship is. Make sure you go with red roses and not other colors like white or yellow. A nice little teddy bear along with the flowers will make it a simple but perfect gift for her.

2. Diamond rings or earrings are very special for this type of occasion. Women love diamond because it is beautiful and it also represents that your relationship with her will last forever. Depends on how long you guys have been together, spend accordingly.

3. Chocolate can’t be forgotten during this special event. Not only chocolate is a symbol of the Valentine’s day, but also taste good and enhance the mood significantly.

4. Women’s dresses or lingerie is really good Valentines present ideas. Buy her something sexy to wear on this day and both of you guys can have a great time.

5. Ipod touch from Apple is next on the list. You should get her a red one or a color and design that she likes the most.

6. Women’s design handbag will definitely be one of her top choices. Women love handbags so why not give them what they want? Perfect colors for this season are red, metallic or jewel tones by designer brands like Coach, Marc Jacobs, Stuart Weitzman and Kate Spade.

7. Heart pendant is great because you can remind that special love one in your life that you love her. She will be happy with this perfect Valentines present.

8. Romantic Bath & Spa kit is another common gifts for her on Valentines day. A large variety of products you can choose from are warming massage oils, rose scented bubble bath, succulent scented candles and more! This can set up the mood perfectly for a beautiful Valentine’s evening.

9. Ugg boots are perfect for this romantic winter walk on the street. Toast up her tootsies in a fabulous pair of Ugg boots and you’ll be surprise how much she would love it.

10. Lovely makeup set by Sarah Jessica Parker from Sex and the city. The signature fragrance is a blend of musk, orchid, apple, lavender and amber. It is especially suitable for casual wear.

Sometimes the inevitable happens: No matter how cautious and organized you’ve been, you’re going to fall behind on your bills. Whether it’s because of a job loss, increased bills, or something completely unexpected, there are many reasons why you might fall behind on debt payments. When this happens, good money management might help you get back to financial security. However, this isn’t always the case and sometimes more drastic actions are needed. To avoid severe consequences, it would be wise to begin negotiation efforts with your creditors.

Strategies for Debt Negotiation

When money management isn’t enough to get the bills paid in their entirety, then it’s time for debt negotiation. This will allow you to lower the overall amount due if your creditor approves. Properly approaching debt negotiation discussions increases the likelihood that the creditor will agree to your request.

1.Prioritize your debts. If you are going into debt negotiation for multiple accounts, you’ll generally want to eliminate the lowest balances first. However, there are exceptions and certain types of debt are more important than others. For instance, you should always make a good effort to pay your mortgage over a credit card bill, if you ever have to decide between the two.

2.Double-check your ability to pay. There’s nothing worse than making an offer to your creditor for debt negotiation, having it approved, then realizing that your offer is still too much for you to bear. By double-checking your ability to pay, you’re ensuring that your negotiation actually works for you.

3.Don’t get emotional. While you’ll want to explain why you’re facing financial hardships (job loss, medical expenses, etc.) avoid telling them your life story. Your creditors don’t have a lot of sympathy and are ultimately looking at the bottom line.

4.Brag about your money management. If you’ve made a good faith effort to pay all your bills, be sure to mention your payment history and the clear effort you’ve made! This will make it easier during the debt negotiation process.

5.Consider mentioning bankruptcy. If you’re considering bankruptcy, then mention it or hint that you’re considering it. A bankruptcy means that you’ll be discharged of the debt and that the debt is now the loss of the creditor. The creditor would rather lose some money through debt negotiation than the entire amount through bankruptcy.

6.Save money before debt negotiation. You’ll want to practice good money management by saving enough cash to make a payment before you begin the debt negotiation process. However, do not stop making your current payments! Instead, save enough so that you can make a payment right away. Creditors are more likely to settle if a fund can be immediately transferred.

7. Record the phone call. Consider recording the phone conversation. Recording the conversation – and letting the debt collector know you’re recording it – is a great way to keep them in line. Furthermore, you also have a record of the phone conversation!

Who am I? Where am I going? What is my purpose?

At some time or another we may all have similar thoughts floating around in the back of our minds, for most, when these type of thoughts circle around to the front it will only be a flash of a thought, then gone and forgotten usually because of the fear, afraid of the unknown.

I have always been fascinated by the voyage rather than the destination. Deep within my visions is a never ending journey into the possibilities of what can be. I have always believed to be a true philosopher, using my visions within the power of my mind and my deep down desire, I have been able to teach myself how to use a computer to communicate and teach what I know. Gaining new knowledge is a constant, and teaching is my gift.

The past, is experienced knowledge to put you in the present, when your past and present knowledge is shared with others, a better future is created.

Looking back on the young generations, if I only knew then what I know now. What a different world it would be within my visions.

We can change the young generations forth coming.

1950′s — divided, harmony, dominance
1960′s — searching, peace, love
1970′s — life’s a party (drugs, sex, rock ‘n roll)
1980′s — separated, the cliques
1990′s — live today, die tomorrow
2000′s — spoiled, life sucks
2010′s — communication, working together, united one mind
2020′s — super human man, super human woman
2030′s — super human mind

Honest People into Eternity!

The Neothink experience
From Dale Leo