Kylie Jenner Posts Super Sexy Bikini Pic On Instagram

Wow, let us catch our breath for a second! The youngest Jenner took to Instagram to relive her family trip in Greece by posting a totally hot photo of herself in a sexy, skimpy bikini. Is she showing off too much?

Worst things to buy at Trader Joe's

There are plenty of reasons to like Trader Joe's: helpful employees in Hawaiian shirts, a no-questions-asked return policy, unusual items such as cookie butter and rosemary marcona almonds, and -- best of all -- low prices.

However, not everything is a good deal at Trader Joe's. We compared its regular prices on a variety of items with the regular (non-sale) prices of similar items at Harris Teeter, Kroger, Walmart and Whole Foods.

4 Moves That Can Lower Your Credit Score

1. Charging a Big Balance to a Store Card

You're tempted to buy thousands of dollars' worth of furniture or appliances and charge it all to a store credit card that doesn't require payments for six months or even a year—and sometimes longer. But debt that sits untouched could drag down your score, especially if the balance is near the card's limit, says John Ulzheimer, president of consumer education at SmartCredit.com.

That's because your credit-utilization ratio—the amount of
debt you have relative to your credit limits—is calculated for balances on individual cards as well as overall. In addition, store cards tend to charge steep rates, so if you don't pay the balance before the interest-free period is over, you will rack up big charges.

Systems glitch causes lines at Target stores

A glitch in its customer checkout systems caused delays and long lines at some Target stores across the country Sunday night, the company said.
The Minnesota-based company issued a brief statement after social media lit up with reports Sunday evening of big backups and closed cash registers in the checkout lines at various Target retail stores.

Student Loans, the Next Big Threat to the U.S. Economy?

Tiffany Roberson works for the state of Texas as a parole officer, teaches part-time, and is living with her parents after having completed her master’s degree. She’s held off marrying her boyfriend of four years and starting a family because she owes more than $170,000 in federal and private student loans that she took out to pursue her education in criminal justice. “I’ve never gone into default,” the 30-year-old says. “What really hurts is people say I’m a bum for living at home.”

Stories like Roberson’s are sadly common in the U.S. Student loans today are one of the only deteriorating pockets of consumer credit, with balances and delinquency rates rising to record highs even as a strengthening economy allows Americans to reduce total borrowing. Outstanding student debt topped $1 trillion in the third quarter of 2013, and the share of loans delinquent 90 days or more rose to 11.8 percent, according to the Federal Reserve Bank of New York. By contrast, delinquencies for mortgage, credit card, and auto debt all have declined from their peaks.

The New York Federal Reserve’s move to measure the size of the student loan load says a lot about how concerned the central bank is about a possible threat to the economy. “Our job is to really understand what’s happening in the financial system,” and the “very rapid rise in student loan debt over the last few years” can “actually have some pretty significant consequences to the economic outlook,” New York Fed President William Dudley told reporters in November. “People can have trouble with the student loan debt burden—unable to buy cars, unable to buy homes—and so it can really delay the cycle.”

Story: Putting Colleges on the Hook for Student Loans

The federal government is the source and backer of most of the loans. “I’m always made very nervous by a credit market that benefits from government guarantees and is expanding very rapidly,” Jeffrey Lacker, president of the Federal Reserve Bank of Richmond, said on Jan. 10 at a Greater Raleigh Chamber of Commerce event in North Carolina. “That’s what we’re seeing with student loans, and it’s what we saw with housing.” As the New York Fed’s Dudley explained in November, “to the extent that student loan burdens become very, very high, there are presumably going to be losses” to the federal government.
Economists at the New York Fed are analyzing student debt as part of their quarterly reports on national household credit. That project got started six years ago as the financial crisis unfolded, and the researchers and their then-boss, Timothy Geithner, realized there wasn’t a good way to study total consumer borrowing. As they began assembling their own figures, relying on a sample from credit reports from Atlanta-based Equifax (EFX), they discovered that data on student borrowing were particularly sparse because of gaps in the frequency and types of information available.

The U.S. Department of Education releases default rates on federal student loans once a year, and only for borrowers who haven’t made the required payments for at least 270 consecutive days during the two- and three-year periods after they graduate or drop out. The default rates don’t include students who get extensions on their loans, which can be another sign that borrowers are under stress. The Education Department’s calculations also don’t cover private loans, which account for about 15 percent of the market. The department, in an effort to be more informative, began publishing more details about student loan data on its website in July.

Story: Unpacking the Proposed Student Loan Borrower Bill of Rights

“We didn’t realize there was so little data,” says Wilbert van der Klaauw, one of the economists involved in the New York Fed analysis. He and his colleagues, economists Donghoon Lee and Andrew Haughwout, say they are trying to understand how the rising student loan burden influences living arrangements—such as those of college graduates like Roberson who can’t afford to move out of their parents’ homes. They are also trying to understand the effect of such living arrangements on marriage and birth rates. The share of 25-year-old Americans with student debt increased to 43 percent in 2012 from 25 percent in 2003, while the average loan balance rose 91 percent, to $20,326 from $10,649, New York Fed data show.
There remain a lot of “missing pieces” in the analysis, Van der Klaauw says. These include the link between debt levels and specific universities or courses of study. The subject a student majors in can have a direct effect on his or her ability to service a loan. “If you’re a pre-med student, you’re an engineering student, and you take out $40,000 or $60,000 of loans, I have no problem with that,” John Silvia, chief economist at Wells Fargo (WFC), told the audience at the January Chamber of Commerce event in Raleigh. “But if you’re going to be a French major, you’re going to study social welfare, and you’re going to take out $60,000 of loans, who is making the economic judgment there?”

While undergraduates are limited in how much of their education they can finance through federal programs, parents and graduate students can borrow much more. They can take out federal Plus loans to cover the cost of tuition, room, board, transportation, and personal expenses, minus any aid received.

Story: Borrowers Are Finally Using the Government's Helpful Student Loan Program

 

A student loan crisis would “force parents and students to think about” their expected financial return on education, Silvia said in Raleigh. “Like in housing, we learned by going through that craziness, and now hopefully the next generation won’t make that same mistake.”

Roberson is looking for a third job, partly because rising interest rates have increased her debt to about $72,000 in federal loans and $102,000 in private loans. She pays almost $1,000 a month on the latter and about $33 on the federal loan through a program that calibrates payments to income. “These payments eat up my paycheck,” she says. “It puts a huge drain on living the American Dream.”

The bottom line: Student borrowing has reached a point where officials are comparing it to the mortgage crisis.

Gage is a reporter for Bloomberg News.

Lorin is a reporter for Bloomberg News in New York.

How to Get Rid of Dark Circles With Yoga

Dark circles hinder the beauty in you making you look like fatigue and tired. Make your eyes glowing and active by opting right exercises to remove dark circles. Dark circles are the cause of lack of sleep, excessive stress and illness. Lack of oxygen and blood flow to the face can also be the reason for dark circles. Yoga can be the right exercise to reduce the dark circles making you look fresh and beautiful. In this article we are going to describe some of the best and easy yoga exercises which will reduce dark circles in short span of time. Get Rid Of Dark Circles Under Eyes Easily & Naturally

.

Hastapadotasana
It is a standing, forward bend pose which is the main and foremost exercise in yoga series for dark circles. This yoga exercise stretches out the muscles of the whole body, making the nervous system active and regulates blood in the nerves. Blood flows through the face actively which reduces the level of dark circles day by day as you keep it in practice. This yoga exercise is also beneficial for relieve from abdominal and stomach disorders.

Steps for Hastapadotasana

•    To do this exercise you have to stand straight keeping legs apart as of shoulder width.

•    Now you have to stretch both hands forward and upwards in way that gives a stretch to your spine

•    Next step is to bend slowly to touch the floor with palms with head touching knees.

•    Breathe normally as you do.

Do not compel to stretch more and more if you cannot touch the ground easily. Keep it in easy way to prevent and trauma of muscles. This exercise also prevents heart diseases and any health conditions. Best Cream for Pimples, Dark Spots and Acne.

Viparitakarani
This pose is done in a way that legs are up the wall head is down on floor along with the back. This will increase the blood flow in the head portion compelling dark circles to vanish. This exercise pose also helps relieve the backache and keep the mind calm and tension free. Dark circles are the reason of restless mind and backaches.
Steps for Viparitakarani

•     You have to lie down on floor near any wall.
•    Raise your legs as they are resting on wall with feet upwards.  Stretch your arms outwards in any    direction and feel relax
•    Hold on this pose as long as you can keep it.

Sambhavi  mudra
This is a simple and easy yoga pose which compels you to be calm and be relaxed. Once you are relaxed you will feel change in your dark circles around eyes. They will start to vanish gradually. In this pose your muscles around eyes are stretched and those get relaxed which are in between both eyes.
Steps for Sambhavi  mudra

•   Find a comfortable room of your home.
•    Put right foot on left thigh and left foot on right thigh.
•     Be relaxed and close your eyes.
•   Put your hands on knees with a stretch. Keep in this position.
•   Hold your eyeballs watching the center of both eye brows for 5-6 counts then release it.

Effective Tips How to Remove Acne Scars

Acne leaves behind the unwanted and ugly scars which must be cured as soon as possible. Acne scar is a real disaster to an overall personality and be a cause of depression in you. We have gathered some of the useful and highly effective treatments to vanish the acne scars forever. Try one of the below given effective treatments to cure acne scars.



KEEP SKIN MOISTURIZED
Oily skin supports the acne growth more rapidly than any other type of skin. This skin type must be kept clean and moisturized to avoid acne growth eventually preventing the acne scars. For this you can use special cleansers for oily skin and moisturizing creams. Never make your skin too dry otherwise the oil glands of your skin will boost the production of oil boosting the development of acne and eventually acne scars.

GRATED POTATO MASK
Another very effective method is to use grated potato past as a face mask. This is an easy and very effective treatment to cure acne scars. Repeating this treatment twice or thrice a week will give a prominent result in curing acne scars by healing your skin to level. To use this mask for best results rub the paste gently on your effected skin then was it off. Repeat the treatment after two days for best results.

LEMON PRODUCTS
Lemon is acidic in nature which reduces the oil level of skin by keeping it moisturized and soft. Lemon is enriched in Vitamin C which is highly effective to remove dark spots. Add one teaspoon of pure lemon juice without sugars in water at room temperature. Drink it once a day to cure acne scars. Keeping this treatment in practice will not only remove your acne scars however also make you slim and smart. In addition to it your skin will become glowing and beautiful.

Another effective remedy of curing acne scars from lemon is making paste or lemon and glycerin. Take two tablespoon of glycerin and add few drops of lemon juice in it. Keep in mind that lemon juice must be pure, natural and fresh. Apply the mixture on scars or on whole face it totally depends upon you. You will surely feel great difference in skin before with a natural shine.

KEEP SKIN CLEAN
Cleanliness is highly important at all the times. Use face wash that helps minimize the pores in your skin. Use the face wash twice a day to keep skin all the times. Keeping skin clean will allow it to regenerate bringing out healthy and beautiful skin.
One very easy and very effective trick to keep skin clean naturally inside is to drink 8 glasses of water a day. It will also keep your skin moisturized and hydrating.

AVOID HARSH CHEMICALS
Harsh Chemicals damages the skin deep inside prevent the skin to be damaged with mild chemicals in shape of face washes, soaps or cleansers. Using herbal products can show best results. Therefore avoid harsh chemical products if you really love your skin and want to keep healthy with natural beauty and gorgeousness.