A Man's Guide to Buying Lingerie for his Lady

Most men know nothing about picking out lingerie, which is understandable
because it can be confusing. What type of lingerie to buy, what size, what color
- how is a man to know? Here is a little guide to help you when choosing
lingerie for that special someone.





There are a few things to consider before you go out. What does she like?
Remember that you will not be wearing this - she will and you should go out with
the intent on getting something she will like. If she is not into lacey, tiny,
see-through teddies, chances are if you buy that, she will not be in much of a
mood to wear it and you may never see it. So keep what she likes in mind.


If you do not know, check out her nightgown/lingerie drawer before you leave.
Check for material type (cotton, silk, etc.), colors, and most importantly,
size. She may be flattered if she wears a large and you get her a small, but if
she wears a small and you buy her a large, you may find yourself in trouble.
Avoid anything that says control on the label. Those items are used to firm
and flatten tummys and rears and she would probably not appreciate receiving
them as a gift.


Another thing to remember is if the store offers to wrap the lingerie let
them. Dainty lingerie will look better in their wrapping than if you wrap it in
the paper left over from your cousin's birthday. Presentation is part of the
package with lingerie. Also, if you are uncomfortable in the store, check out
online stores that sell lingerie. You can always start at Victoria's Secret, but
most major department stores like Macys and Nordstroms also sell lingerie. Final
note - remember to keep your receipt just in case it is the wrong style, size,
or color.


Now, what type of lingerie is available? Just about anything you can think
of! Ask yourself what the occasion is. Is this to let her know you love her? If
so, something crotchless or see-through probably will not send that message.
But, if it is for Valentine's Day or your anniversary, something a little more
risqu? might be appreciated. Bras alone have
many different styles including push up, plunge, gel filled, padded, under wire,
seamless, backless, strapless, open cup, and unpadded.


If you are purchasing a bra and panty set, always check out what she has in
her drawer beforehand and definitely make note of the size - of both the bra and
panties. Most places sell at least one pair of panties that match each bra, but
some will sell several so you can mix and match. It will help to know what type
of panties she likes to wear too - thongs, briefs, or high cut bikini.


When it comes to sleepwear, it can be just as confusing. One type of
sleepwear is babydoll pajamas. They usually have very thin straps, a plunging V
neckline, and are very short with matching panties. You will find most of these
made out of silk or satin, materials that always make a woman feel good about
herself. But, if she feels her breasts are too big or too small, or thinks her
stomach is too big, you might want to avoid babydoll pajamas.


There are slips and chemises. Similar to the babydoll pajamas, these are a
little longer and a little better at concealing problem areas such as breasts,
butt or stomach. They too are usually made of silk or satin.


Gowns are full-length versions of the babydoll. Many are see-through or lacey
and can help put your woman in the mood. Babydolls, slips, chemises, and gowns
may also come with a robe.


A pajama set might not sound too sexy, but if it is silky, and buttons up the
front, it can make your woman feel very sexy, especially if she is a plus size
(size 18 or larger). Boxer sets have become very popular lately. The tops are
tight, with thin straps and usually a V neckline, although there are boxer sets
with normal t-shirt tops.


If you are really looking for lingerie to spice up your love life, take a
look at Frederick's of Hollywood (available online). They have been selling sexy
lingerie for over 50 years. They have a wide variety of garter belts, bustiers,
corsets, teddies (similar to the babydoll, but one piece), crotchless panties,
and fishnet stockings - items that may not be available at many stores that sell
lingerie.


What type of lingerie you should get your love depends a lot on her
self-esteem. Many big woman love sexy little teddies, but some will shy away
from them, for fear of exposing too much of themselves. Most stores sell
lingerie in plus sizes, which are a little less revealing. If she is really
athletic, a boxer set might be something she would like. Thin women will look
good in anything, but especially teddies, corsets, and babydolls.


When shopping for lingerie, try to keep in mind what she likes. If you
purchase something similar to the lingerie she already has and in colors you
know she likes, it will probably make her happy. But, keep the receipt just in
case!
About the Author

Jessica Valentine is a successful writer and publisher interested in women's apparel providing valuable tips and advice on finding sexy lingerie, lingerie fit, and lingerie buying guides for men. http://www.sexy-lingerie-for-her.net

Backgammon for Beginners

50 Years of Power

A carryover from 2004, the 2005 Ford Thunderbird was the last of its kind to be manufactured. The last time it rolled off the Ford Motor Company's manufacturing plants was also the time of the vehicle's fiftieth anniversary.



This 2005 Ford Thunderbird is a luxury convertible that has been available in three trims that ranges from the Deluxe package to the 50th anniversary package. It has the capacity to take in a maximum of two passengers, and sports two doors. Upon its introduction, this 2005 Ford Thunderbird model came equipped with a standard engine of 3.9 liters, V8, and 280 horsepower that could take in 18 mpg in the city, and 24 mpg on highway cruising. Also standard for this luxury convertible is a five-speed automatic transmission that has overdrive.



This last Thunderbird convertible to be produced still contains the cool and evocative styling that its descendants have bore. It also still holds its heritage of being a roadster with perennial style, loads of power, and great interior roominess and space. However, convertibles who have lived for fifty years also received changes so much so that the 2005 Ford Thunderbird sports an open-air driving, new colors for its interior and exterior, and a new aluminum trim for its doors and center stack.



As per the 2005 Ford Thunderbird's interior, this vehicle comes with air conditioning with dual-zone automatic climate controls, a power tilt/telescope leather-wrapped steering wheel that has radio controls mounted on it, a cruise control, leather upholstery on 6-way power bucket seats, power mirrors, window locks, door locks, a remote keyless entry system, AM/FM/CD with an in-dash 6-disc changer, a power convertible top, a universal garage door opener, and automatic headlights. On the outside, this luxury convertible could be owned with a power-folding soft top with a heated rear window or with a removable hardtop with trademark porthole windows.



As per safety and security, this luxury convertible has made sure that these features are not overlooked. The vehicle has front airbags, side airbags, and a combination of head-and-chest side airbags, thus making the 2005 Ford Thunderbird the first convertible manufactured by Ford to come equipped with this. Aside from that, the vehicle also has an anti-theft system, the Ford's Smart Locks system, the LATCH child seat system, a perimeter alarm that goes along with an LED indicator, and a glow-in-the-dark emergency trunk release handle.



All of Ford Thunderbird's parts and Ford car parts needs could be easily located at Auto Parts Discount. Top of the line Ford Thunderbird parts and Ford auto parts could found here that are guaranteed to fit Ford vehicles. They also match the quality and performance of Ford vehicles.



In a nutshell, the 2005 Ford Thunderbird comes with new exterior colors that include bronze and medium steel blue that has replaced merlot, vintage mint green, and light ice blue metallic. Aside from that it also sports new partial interior color packages like medium steel blue and torch red. The convertible also has a new style using aluminum trim on its doors and center stack. And lastly, the 2005 Ford Thunderbird contains seatback map pockets for owner's use.

About the Author

Joe Thompson is the owner of a successful auto body shop in Ferndale, California. This 38 year old is also a prolific writer, contributing automotive related articles to various publications.

Interest Rate Buydowns What Is Old Is New Again

Whenever you hear about buydown loans again, it?s a sure sign interest rates have risen and the real estate market has slowed down.

A buydown occurs when the interest rate is ?bought down?, that is, with cash to pay for a lower interest rate known as a permanent buydown or ?borrowed? into the future with a higher base interest rate as in a temporary buydown. The lower interest rate, the lower the monthly payment and loan qualifying is easier. Conversely, the lower the interest rate the more it costs.

The permanent buydown buys the rate down for the life of the loan. Typically it costs one point or one percent of the loan amount to buy it down a quarter of a percent in rate. If the current rate is 6.50% for example, you can buy it down to 6.25% for about one point.

A temporary buydown is for a short, set period of time. A 2-1 buydown is most common where the initial interest rate is two percent below the base note rate for the first year and then 1 percent below the base for the second year, finalizing at the base note rate for the remainder of the term. An example would be a base note rate of 7.50% with the first year at 5.50%, the second at 6.50% ending with 7.50% for the remaining 28 years on a 30 year loan.

It can be bought down with cash and/or a higher base interest rate with revenue called a Yield Spread Premium, also known as YSP, rebate or premium pricing. Think of it as leveraging tomorrow?s higher interest rate to gain a lower one today.

Why is this important to you as a seller? It increases your pool of qualified buyers for your home. It costs you between one to three points but it is part of dealing with a slow market; either lower the price of your home or give more incentives. It is a widely used tactic by new home builders when the market softens.

Why is this important to you as a buyer? The buydown subsidizes your monthly payments to allow time for your income to catch up to the yearly increase of approximately 7.5% above the previous year?s payment. You can buy the home you want today rather than wait, or worse, buy a lesser home you really didn?t want. You get the added fixed rate security benefit knowing exactly what your monthly payment is at any time, unlike an adjustable rate mortgage. Structured correctly, you benefit at the seller?s expense.

Why is a permanent buydown not a good option on a purchase? One main purpose of the buydown is to get more people to qualify for more home. Three point cost only drops the interest rate about ? of one percent, the permanent rate of 6.50% lowers down to 5.75% for example. A temporary buydown using the same scenario would lower the first year?s interest down to 4.50% percent, a full two percent below. It also lowers the monthly payment substantially below the ? of one percent rate drop.

There are different buydown variations to discuss with your mortgage consultant if you are a buyer or a seller. The 3-2-1 buydown works on the same premise of the 2-1 only over a three year period. A ?flex-fixed? buydown has incremental increases every six months. Structuring depends on your credit score and how much you are putting down.

If you are a seller, a seasoned mortgage consultant will structure the buydown so it doesn?t cost you as much yet broadens the market appeal of your home. It becomes a powerful marketing tool for your real estate agent to sell your home sold faster. This mortgage consultant will also structure the purchase of your new home based on your projected net proceeds to make both transactions smooth and tailored to fit you.

For you the buyer, a buydown is a valuable financing option added to your mortgage arsenal. The buydown and the cost need to be structured into your formal offer to purchase contract. It broadens the number of homes you qualify for and if structured correctly, you benefit from a lower initial monthly payment and interest rate, at the seller?s expense. By the time the interest rate hits the higher base rate; you will be in a position of handling the higher monthly payment with your increased future income if the rates remain high and/or to refinance if rates drop.

Your mortgage consultant will explain the program, the payments and cost in detail in terms you can understand; what it means to you today and over time. Insist on a side-by-side mortgage analysis in writing from mortgage software such as The Mortgage Coach, LoanMagic or a similar mortgage analytical product. If they can?t, you need to find another lender.

Vic Yamauchi, a San Diego native, started his real estate career in 1978 as a Regional Real Estate Manager for Pier 1 Imports after graduating from San Diego State University.

A Realtor in 1980, he learned the business the hard way as home interest rates climbed to over 19% and became well versed in creative financing that has served him to this day. He listed up to 25 homes in one month. He is celebrating his 28th year overall in the real estate and mortgage industry.

Vic has been an owner or co-owner of four different mortgage companies since that time. He was SVP of Retail Production, AME Financial and a past Branch Manager for Norwest/Wells Fargo Home Mortgage.

Currently, Vic is a senior mortgage consultant with CalPacific Mortgage Consultants, http://www.capmc.com, and President of Homebuyers Resource Center, http://www.mlsrec.com.

Child Birthday Gift Ideas

 



Child Birthday Gift IdeasSubmitted By: Misti Norusis  

Picking that perfect birthday gift for a child is always an exciting experience, but can also be rather challenging. Possibilities are countless, the choice of a birthday gift will depend on the resources available to the giver, and many other considerations, like the child?s age, sex, and interest. Think about clothes, shoes, little girl jewelry, trinkets, fairy tale stuff, art materials, dolls, toys, playhouses, vanity sets, music boxes, racing cars, robots, and many others. Can you say Cash, perhaps?

Here are some gift ideas for the birthday girl or birthday boy.

Newborn to 1 year: On the baby?s first few months, colorful toys like fancy rattles, flash cards and large picture books will keep the baby entertained, also nice soothing music. Activity quilts, decorated with animals or soft dolls, cloth books, bath toys or baby swings come useful. Be sure that the quilts are free of button noses and eyes, and small parts.

Ages 1 to 3: When a toddler turns one year old, he or she will engage in more active play, like climbing, jumping and exploring. Toys for building basic structure and those that can be used in active play will be preferred. Examples of gifts that will impress this age group are Kid's Rocking Horses and Rockers, and educational toys.

Ages 3-5: This is the stage for a child?s creative and imaginative play. A child likes building recognizable structures, and uses smaller and more complex pieces. Your child now prefers playing in groups, and will show interest in toys that can be shared with friends. Examples of gifts that will impress this age group are pull toys, pretend play like puppet theaters, child sleeping bags and kitchen sets.

Ages 5 to 7: Children now develop stronger muscles. Coordination is improved, and so is dexterity. They develop a degree of competitiveness, and interaction becomes complex. Your children also become interested in home activities like, arts and crafts, reading, writing, and collecting. Look for activities involving arts, music, outside play, and sports. Children in this age group want more complex things to play with?more difficult games like card games, and more complex puzzles. Older children like reading easy novels, favorite stories, children's recipe books, and diaries. Examples of gifts that will impress this age group are child art easels and child sleeping bags. Unique child furniture like rocking chairs and toy boxes also make for great gifts.

Sometimes, it is a good idea to stock up on gifts, especially the small stuff, and those that do not get spoiled when kept in storage for a few months so that they can always come handy.

When giving gifts that take a lot of space, consider the size of the house where the family lives. Also, if the celebrant has other siblings, bear in mind that the gift items you have in mind, especially toys, might already be available in their home. Try to avoid the possibility of duplications.

If you are very close to the parents of the celebrant, and if you feel that they would not mind, ask what the birthday celebrant might need. This way, you will be able to get that almost perfect gift idea for the little one.

Article Tags: age, play, toys

An Overview Of Infant Car Seat Covers

Most moms worry about their babies all the time. Moms worry have even more apprehensions about proper baby care during travel. Parents know that infant car seats are the law in the United States and most are thankful for it. Having a separate and safe seat for their babies is as important as sticking to speed limits and forms a vital part of baby care.

But what if these seats are not properly maintained? Jagged and rough edges will develop and harm baby arms and feet during the drive. Covering up these seats with soft covers becomes necessary to keep your baby warm and snug during your travels.

Infant car seats are meant for babies less than one year old and weighing not more than twenty pounds; infant toddler seat covers are for babies more than a year old. Babies of all age groups fit into these seat covers for toddlers. Infant seat covers are best suited for babies only a few months old, as they support the body at all the right parts and guarantee a safe journey.

The best car seat cover for your baby is the one that fits the baby seat perfectly and can be installed and used easily and correctly during every ride. But it is important to keep your baby in the rear seat of your car, especially if the front seats have air bags, to avoid suffocation in case of accidents. The car seat covers aim to provide a soft ride for the baby, without discomfort from the hard edges of a baby seat.

Baby Brella is one of the popular brands of infant covers for car seats. Their patented designs use fabrics that are lightweight and resistant to water and snow. Babycentre.com provides a wide range of fleece seat covers with soft lining for car seats. Apart from being resistant to wind, water, and ultraviolet rays, they are machine washable and have a double-layer fleece exterior with shearling inside. With their reinforced zippers, they fit seats with three or five harnesses.

Seat Covers provides detailed information on Seat Covers, Car Seat Covers, Dog Car Seat Covers, Truck Seat Covers and more. Seat Covers is affiliated with Portable Massage Chairs.

By Ross Bainbridge

Activities Where Your Introverted Child Can Win!