According to the website SmartCredit.com, here are four things you should never borrow money for.

1. A boat, or any kind of vehicle you don’t NEED. Like if you need to have a truck for work, then get a loan. But not if you just want to tool around on an ATV for fun. Stuff like that usually comes with other expenses that you don’t think about.

2. A vacation. If you can’t afford to drop $3,500 and take your family to Disney World for a week, don’t do it. There are plenty of other options that are cheaper.

3. A wedding. It’s becoming more and more common to take out a huge loan so you can have your dream wedding. But most people end up regretting it, because you end up starting out under a mountain of debt.

Which is why guys probably shouldn’t borrow ten grand for a huge engagement ring either.

4. Furniture, including big-screen TV’s. If you can get zero percent financing and pay it off in time, then MAYBE. But even then, you’re better off buying something cheaper, or waiting until you’ve saved up.

(SmartCredit.com)

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The next time your dog sniffs someone’s crotch, or your cat treats you with complete disdain, remember this list. Here are three ways owning a pet is good for your health.

1. Pet owners are less likely to feel lonely. Which you probably figured, but researchers at Idaho State University actually tested it.

They asked people to rate how lonely they felt, then had them play with dogs. When they asked them again, they were 60% less likely to say they felt lonely.

2. Kids who grow up with pets don’t have as many allergies. A study at the University of Wisconsin found kids are 17% less likely to suffer from wheezing if there’s a dog in the house, and 15% less likely to develop eczema.

3. They’re good for your heart. And not just because you get more exercise if you own a dog. A study in 2008 found that people who had never owned a cat were 40% more likely to die of a heart attack.

(Real Simple)

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Here are the three most common excuses we use for not working out . . . and why they’re all lame. Sadly, they should all sound pretty familiar.

1. “I don’t have time.” If you have kids or a crazy schedule, it might be hard to MAKE time. But you can get a good workout in your living room in 30 minutes. So if you have time to watch another episode of “Maury”, you’ve got time to work out.

2. “It hurts.” Which is basically another way of saying, “I don’t like it, because it’s hard.” Unless you have an actual injury. In that case, see a doctor.

But most of the time you just have to push through the pain, and it starts to get easier. And as you get stronger, it starts to hurt less and less.

3. “I’m too exhausted.” Which again is like saying, “I don’t like it, because it’s hard.” But the irony is that exercise gives you MORE energy.

When you work out, your body sends more oxygen and nutrients to your muscles, and makes your cardiovascular system work better. Which gives you more endurance, and more energy in general. (BroBible / Mayo Clinic)

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Listen up guys, because this might save you a whole lot of pain and suffering. If you’re planning to send flowers ON Valentine’s Day . . . you’re making a huge mistake. Hear me out.

Valentine’s Day falls on a Saturday this year. And it’s not like any woman is gonna reject a bunch of flowers if that’s when she gets them.

But if your wife or girlfriend has a job, you SHOULD send flowers TOMORROW . . . because that way she’ll get them at work.

Guys don’t always think about it, but half the point of getting flowers is showing them off to people. And yes, things like Facebook and Instagram are great for that.

But if her co-workers get flowers tomorrow and she DOESN’T . . . you WILL be held accountable. Even if she doesn’t say anything it, she’ll secretly be resenting you. Obviously if your girlfriend works on Saturday, that day still works.

So get on the horn TODAY and make it happen.

(Business Insider)

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1. Avoid rain and cooking. Water and oil wil stain your boots.

2. Trim your toe nails, don’t overly stuff your ugg boots with thick jeans and size your boots correctly.

3. Keep your Uggs dry…wet Uggs will lose their shape. Tru to keep them in their box and stuff them with newspaper.

4. Baking Powder to Prevent smells…sprinkle a teaspoon of baking powder in your boots, the baking powder will absorb most of the smell.

5. Uggs are not really for ice or snow…expect to slip if you’re not paying attention.

6. Dogs love to chew on Uggs!…it’s probably the leather smell #nobueno

7. Authentic sheepskin, contains lanolin. Lanolin is a very effective natural moisturizer which promotes blood flow and circulation.

8. The inner lining of an Ugg boot is a replacement for your socks. It will wick away moisture and circulate air around your feet. You CAN wear your Uggs with NO socks!

9. They will last longer when you clean and protect them. Use Scotch guard and reapply regularly. Once a month is good. Ugg boots can also be destroyed quite easily during cleaning, so be careful.

10. Fake Ugg boots will make your feet sweat more than an authentic pair will.

11. Dark colors can transfer dye. Will stain skin in the beginning…especially black. Will not harm your feet or skin.

12. Try them out in the summer….take them to the beach. It’s a norm in Australia.

13. Men can wear Uggs too! Ugg boots were created by Australian men, for Australian men.

(Source: www.whooga.co.uk)

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This could help the next time you need to talk to your boss . . . or you’re nervous about going up to someone at a bar. When you’re walking up to two people in the middle of a conversation, here’s a trick to figure out if it’s okay to interrupt.

Look at which way their FEET are pointing.

According to a body language expert, if they see you and turn their entire body so their feet are pointed at YOU, it means the conversation probably isn’t that important. And it’s okay to join in.

But if they only turn their head or upper body . . . with their feet still pointed at each OTHER . . . it means they’re fully engaged in the conversation, and it’s probably about something important.

So in that case, it’s best to keep walking and talk to them later.

(Lifehacker)

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“Cosmo” came out with a new list of five things that you shouldn’t stress about in your relationship. Listen up, ladies . . .

1. He gives terrible gifts. Most guys aren’t into creating scavenger hunts with rose petals and jewelry. If he’s REALLY clueless, send him a link to what you really want next time.

2. He doesn’t post about you on Facebook. Who cares . . . as long as he tells you what he thinks face-to-face. In fact, studies have shown that constantly posting about your relationship on Facebook means you’re INSECURE.

3. You sometimes go to bed angry. The “never go to bed angry” thing is BS. Sometimes sleeping on it and waking up with a fresh perspective is better than fighting until 2 A.M. on a week night.

4. You do your own thing for dinner sometimes. Eating dinner together every night just isn’t realistic. More than likely, you’re going to have to do your own thing every now and then.

5. You don’t like the same movies or TV shows. Don’t worry if you’re sick of boobs and violence on “Game of Thrones”, or he thinks “The Bachelor” is lame . . . it IS. That’s the point. As long as you’re both fans of the sex afterwards . . . that’s more important.

(source: Cosmopolitan)

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A lot of the U.S. is getting hit by a wicked cold front. Which is why THIS caught our eye…

“The Washington Post” just did a story on whether or not warming up your car before you drive actually DOES anything. And the answer is… NO. Or, at least it doesn’t do anything beneficial for the car itself.

It USED to be necessary back when cars had carburetors, which need the engine to warm up before they’ll work right. But by the 1990’s, almost all cars had electronic fuel injectors, which automatically compensate for the temperature. Letting it run for at least 30-60 seconds before driving off should suffice.

So as long as you’re not in a 30-year-old car, you probably don’t need to let it warm up. The only practical reason to do it is so the INSIDE of the car gets warm, or so you can crank the defrost… which is probably why most people do it.

But if you’re running late for work, there’s no need to sit there waiting and worrying if the engine is ready. You could also end up wasting a decent amount of gas. A 2009 survey found that when it’s cold out, the average person lets their car warm up for about five minutes.

And a test showed that when it’s right around zero degrees, letting your car idle for just five minutes can increase your total fuel consumption by 7 to 14%.

(Source: Washington Post)

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If you are planning on partying this New Year’s Eve, here are some safety tips to avoid regrets:

If you drink, don’t drive.
Plan ahead by naming a “designated driver”. Make this your responsibility as a good friend, especially if you’ll be drinking as well.
Make sure and have cab info available…set yourself up with Ubber or Lift before hand.
Make sure your DD has plenty of water, soda, or juice to drink.
Make sure no drunk friends are offering the DD alcohol.
If you party with friends…try to get them to slow down a couple of hours before the end of the night.
Remind friends to pace themselves.
Rent a hotel room for everyone to crash at, within walking distance of the party.
Agree to leave with the people you came with…don’t leave any friends behind. Don’t let your friends leave with strangers.
If you are solo and impaired, call a taxi, stay where you are until you are sober.
Take the keys from someone if you think he/she is too impaired to drive.

Have a Happy and Memorable New Year!!

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If you don’t think you could ever be a morning person, think again. One expert says it’s as simple as following these five steps.

1. Don’t keep your alarm next to your bed. The idea is to FORCE yourself to get out of bed, to deal with your alarm. It’s simple, and you’ve probably heard it before . . . but you probably haven’t done it, because the idea isn’t all that appealing.

2. Find a reason to be excited about waking up. Then think about it before falling asleep. If your last thought before bed is, “I HAVE to get up in six hours,” then you’re more likely to wake up thinking, “I can’t believe it’s already time to get up.”

But if your last thought is something you’re excited about . . . like eating something delicious for breakfast, or even just that first cup of coffee . . . then you’re more likely to think about THAT when your alarm goes off.

3. Brush your teeth immediately. Don’t start making coffee or check Facebook until you’ve done it. The brushing itself wakes you up, and so does the taste of toothpaste.

4. Drink a glass of water. It’s common to be slightly dehydrated when you wake up, because you’ve gone six-to-eight hours with no water. And being dehydrated causes fatigue. In fact, if you constantly feel tired, you might just need more water, not sleep.

5. Break a sweat. Which is the one most of us can’t seem to find the time or energy to do. But exercise wakes you up WAY more than a shower does.

(source: Entrepreneur)

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