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Sexy Amber Type Body Oil by Michael Kors

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Sexy Amber by Michael Kors Body Oil Fragrance  On Sale $8.99

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‘Real Money’ After the Holidays: Get the Most From Unwanted Presents

gty_couple_exchanging_gifts_thg_111206_wmainWhen Jamie and Jordan Cone of Freehold, N.J., were in the market for a new camera after the holidays, they went to Secondipity.com, a likely destination for mountains of unwrapped and then unwanted electronics presents.

They’d spent all of their money on their children — Madeline, Jack, Caleb and Hattie — but still hoped to score just one present for themselves.

Before the parents headed to Secondipidity.com, though, Joanna Stern, ABC News’ technology editor, came to their home for the “Real Money” series to show them how to turn presents from holidays past into fast cash and gifts.

Below are Stern’s tips:

1. Cash in Old Clothes

ThredUP.com in San Francisco pays for gently used clothes and also sends you a bag to fill. A Kenneth Cole size 4 jacket could get as much as $8.50 and a Ralph Lauren hoodie size 5, as much as $5.

“That’s great,” Jordan Cone said. “We’ll take it.”

With two bags full — and at the door awaiting UPS pickup  – the Cones scored nearly $80, about half of what they need for the new camera.

2. Go Drawer Digging for Hidden Treasure

Stern said the family’s old Nintendo DS and BlackBerry could be traded on Amazon and Boston’sNextworth.com for $30 each.

“Sixty dollars just laying in a drawer,” Jaime Cone said.

They also got $37 they got for a smartphone with a cracked screen and roughly $40 for an old Playstation 2.

With two rooms down — and $218 already tallied — the Cones and Stern kept digging.

3. Christmas Gift Cards

At GiftCardGranny.com, the Cones were offered $46 for a $50 Amazon gift card they’d received during the holidays.

Baltimore’s GiftCardRescue.com also offered $46 for $60 worth of Barnes and Nobles gift cards.

4. Skip the Shipping and Get Money While You Shop

The Cones and Stern traded in the family’s used video games and electronics at Target.

5. Shop Wholesalers for Big-Ticket Items at Steep Discounts

Secondipidity’s warehouse in Cranbury, N.J., is home to scooters, slides, ceiling fans, games, even vacuum cleaners, because when an electronic item has been opened, retailers can’t put it back on the shelf.

Instead, they send the products to Secondipidity.com, which works with seven of the nation’s biggest retailers. The clearinghouse then sells the items at discounts up to 80 percent.

According to Consumer Reports Survey, one in five Americans will return a holiday gift — $59 billion in unwanted gifts.

“For the people who didn’t like what was under the tree this year, a lot of those gifts do come back here,” said Rob Caskey, the company’s vice president. “We inspect it. We test it. We grade it.”

In the end, the Cones scored $373 and found their camera on Secondipidity.com  for 25 percent off.

Click here to share your “Real Money” ideas.


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How to Deal with Difficult Coworkers

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dv1080014No matter how lovely most of your coworkers are, there are always a few personality types that tend to bring down office morale. But you don’t have to let Mrs. Stress-y Pants or The “No” Man make your nine-to-five life miserable. Below, our experts’ tips on how to deal with the most annoying workplace dispositions in order to have a less stressful work day.

The Spotlight Stealer
You’re right in the middle of announcing to the team that you scored a new client when The Spotlight Stealer brings the attention of the group where she prefers it: back on her. When she interrupts your big news with her own, simply keep calm and continue with what you were saying after she runs out of steam, suggests Samantha DiGennaro, founder of DiGennaro Communications, a strategic public relations agency specializing in business communications. You can also lead by example by commending the entire team—“Client X signed on with our group”—instead of taking all the credit with a first-person statement, such as “I wrangled Client X into signing on.” Lastly, it can help to encourage the non-self-promoters to speak up, so The Spotlight Stealer doesn’t get to play “the hero” every time.

The Office Lingerer
As much as you appreciate your company’s open-door policy, when The Office Lingerer stops by to ask a question, then settles in and starts telling you all about his day, it’s so frustrating you wish you could put a lock on your door. New York City-based Executive Recruiter Patricia H. Lenkov asks what’s on all of our minds: “How is it that he has so much free time on his hands?!” Regardless of how he spends his time, make it clear that yours is precious. As soon as he swings by, announce a “hard stop”: “What’s up, Sam? I have a call in five minutes.” Before he gets too comfy, remind him, “That call is in two minutes, so we need to wrap this up.”

Mrs. Stress-y Pants
For Mrs. Stress-y Pants, everything is a major ordeal: filling out her timesheet, planning a meeting, deciding which restaurant to order lunch from—you name it. Though you can’t control her actions, you can control your reactions, says human resources expert Cy Wakeman, author of Reality-Based Leadership. Ask her calmly whether you can help. If she’s too flustered to accept your assistance, try to explain that she’s making the situation seem more stressful than it is. Wakeman recommends asking her questions, like "What are you believing in this moment?" and "What are the facts?” Hopefully she’ll start to see that the reality of what’s going on isn’t as bad as she’s making it out to be. But, if it seems like you can’t add immediate value to her problem-solving or that she might boil over any minute, simply walk away and move on with your day.

The “No” Man
Forget about adding your two-cents to the conversation, The “No” Man doesn't want to hear your strategy ideas or consider a more modern email platform; if you ask him to do anything outside of the status quo, you already know the answer. Don’t get caught up in his negativity, warns business expert Andrea Nierenberg, president of The Nierenberg Group, a business communications company that aims to improve employee and client relationships. Start conversations by letting him speak first and asking open-ended questions: “Andy, what do you like about our current email platform?” This should start a dialogue in which you can offer an alternative. When he (predictably) bristles at the idea of something new, ask him to come up with a solution, so the conversation becomes about what you can do instead of what you can’t.

Miss No Manners
Maybe you can hear her chewing (or chomping gum or playing music) through the cubicle wall, or perhaps she cooks smelly foods in the office microwave and leaves sloppy leftovers in the shared fridge—whatever workplace etiquette rules you swear by, Miss No Manners is likely to break them. If you’re comfortable speaking up, it’s completely appropriate to ask her to stop her annoying behavior, says Lenkov. However, if you’re not her superior, she may view your request as confrontational. Other options: Speak with the office manager or an office administrator, urges Lenkov, or suggest your superior send an office-wide email reminding everyone to observe and respect the company’s code of conduct.

The Slacker
Though you like to get to the office a little early so you can settle in before all the emails start flooding your inbox, The Slacker always rolls in late, leaves early and takes an extra-long lunch. Unfortunately, this means you get less done because you're constantly waiting for her to be available. Develop a rapport with her, suggests Susan Zeidman, a portfolio manager at American Management Association who is responsible for many of her company’s communications and management training programs. If she only makes herself available on a limited basis, you want to be someone she wants to see. If you’re collaborating on a project, try to come to some agreement about availability without criticizing her. Once you’ve worked out a plan together, share your plan via email with your boss or the rest of your team members so that she’ll be held accountable if deadlines are missed.

The Old Timer
Talk about a generation gap: At first, you found it endearing when The Old Timer called you “doll,” but when he started asking you to send a fax or set-up a meeting—even though you're not his subordinate—you grew tired of his Mad Men-esque ways. Determine why his behavior bothers you, says Michelle Tillis Lederman, author of The 11 Laws of Likability. Is using nicknames (albeit borderline-insulting ones) part of the office culture? How would he react if you said, “Sure, sweet-cheeks. I’ll fax this if you grab my coffee”? Sometimes it’s easier to overlook ignorance when there’s no evil intent behind it. However, if he is trying to “put you in your place,” stand your ground. Instead of doing his grunt work, offer to show him how it’s done so he can do it himself next time.

The Finger Pointer 
Whether a deadline’s been missed or a job’s been botched, The Finger Pointer is the first to announce exactly who’s to blame: anyone but her. For this personality type, communication is key, says Drew Stevens, who works with senior officers and managers to accelerate workplace productivity. Having a collaborative culture is good, but when you start a project, be very clear from the get-go about who’s responsible for what. Decide as a group who will tackle each task, then circulate an email that clearly outlines what’s expected of each group member, remembering to CC your boss. This way, should something go awry, everyone will know who is at fault.

Read more: How to Deal with Difficult Coworkers - Work Etiquette - Woman's Day


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Oprah’s ‘Favorite Things’ List Met With Criticism

Oprah Winfrey fans will be happy to know that, after a two-year hiatus, the popular Favorite Things list — which caused her audience members to scream, cry, and/or faint upon its reveal — is making a comeback. You can view the full rundown in the December issue of O, The Oprah Magazine, available on November 6. On November 18, the Oprah Winfrey Network (OWN) will run a two-hour special devoted to the product roundup. But Winfrey's choices have already received some harsh criticism. Vanity Fair magazine has taken issue with some of the items on the list, like including a $450 bladeless fan Winfrey discovered while interviewing the Kardashians, calling it "obscure and realistically unnecessary." Also, as Gawker noted, many of the 48 items on the list contain are truffle-flavored foods. Where''s the variety? Commenter's' reactions were mixed, with one disappointed reader lamenting, "$88 for four bags of popcorn. Insane!" Another simply noted, "Oprah likes some expensive stuff." Can't argue with that.


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Obama Video Hits Romney Role in Ampad Bankruptcy

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The story of Ampad, a company acquired by Bain Capital in 1992 that later went bankrupt, was used successfully by Democrats 18 years ago to help derail Mitt Romney's run for a U.S. Senate seat from Massachusetts.

Now, the Obama campaign is resurrecting the case to help keep Romney out of the White House.

A new five-minute campaign web video aims to discredit Romney's key selling point of his candidacy - his business experience - featuring testimonials of workers laid off from a Marion, Ind., office products factory acquired by Ampad in 1994. Romney was CEO of Bain at the time.

"Good paying job with good benefits. I loved the people I worked with. I thought I was settled in for life," says worker Jerry Rayburn who lost his job after Bain came in.

Ampad went bankrupt in 2000, shedding a total of 1,500 jobs, according to the film. Bain profited $100 million from the deal.

"He's just the opposite from Robin Hood," one worker says of Romney.

With the Ampad video, the Obama campaign signals it is doubling down on the argument that Romney was a corporate raider more interested in amassing personal wealth than in creating jobs. Last week, Democrats focused on the case of Kansas City, Mo., steel company GST Steel, which was also acquired by Bain and later closed.

GST was featured in a TV ad attacking Romney that ran in five battleground states.  Obama campaign officials said Sunday that they are extending the ad buy in Ohio.

Republicans and the Romney campaign have called the assault on Romney's business record "character assassination" and an affront to capitalism and private equity - the same industry that employs some of Obama's biggest donors, they note.

"The purpose of the president's ads are not to describe success and failure, but to somehow to suggest that I'm not a good person or not a good guy," Romney said last week.

Even Obama campaign surrogate, Newark mayor Cory Booker, argued the line of attack may be going too far, saying Sunday that he is "very uncomfortable" with it.

"President Obama continues his assault on the free enterprise system with attacks that one of his supporters, Newark Mayor Cory Booker, called 'nauseating' and a former adviser, Steven Rattner, called 'unfair,'" said Romney campaign spokeswoman Andrea Saul.

"Under President Obama, too many Americans have lost their jobs and their homes. President Obama's policies have failed every American who expected their president to focus on the economy and make things better," she said.

The Romney campaign has been highlighting businesses that have been successful, job-creating Bain investments, including Staples and Sports Authority.


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Difference between Mortgage Pre-Qualification and Mortgage Pre-Approval

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Most home buyers need mortgage loans to purchase a home. Anyone who has ever searched for a mortgage has been asked if they would like to obtain a “pre-qualification” or a “pre-approval”. Most prospective home buyers are confused about the two terms and they thus end up making some mistakes in the process.

Most home buyers need mortgage loans to purchase a home. Anyone who has ever searched for a mortgage has been asked if they would like to obtain a “pre-qualification” or a “pre-approval”. Most prospective home buyers are confused about the two terms and they thus end up making some mistakes in the process. It is thus important to clearly differentiate between the two terms before you plan to apply for a mortgage loan.
• Pre Qualification
Qualification is a basic assessment of a potential buyer’s ability to qualify for a mortgage. It amounts to a lender’s “opinion” about the range of home prices that fit the buyer’s budget. It can aid the buyer in making important financial decisions, in deciding his affordability and the right time for him to invest on a property.

Pre qualification is like a quick credit check and involves conversation with the buyer or a loan officer. A good loan officer can “pre-qualify” people in about 10 minutes over the phone by knowing details about the person’s income, credit, assets and monthly debts. The process is devoid of any document check.

The information provided by the borrower during queries helps the lender decide upon “X” amount of loan that the borrower may be entitled to.

• Pre- approval
Pre- approval is different from pre-qualified. A pre-approved buyer would have submitted almost all the documents necessary for the loan to the granted. The lender checks the potential buyer’s credit and other financial information and lets the buyer the amount of loan he can avail. The buyer will now know the maximum amount he can get and is thus in a stronger bargaining position with the seller.

The post-approval letter represents an actual commitment on part of the lender. Even a mortgage professional can approve the loan. Any serious buyer should choose to have a pre-approval letter and not just a pre-qualified letter. A pre-approved letter can give confidence and to the buyer as well as the realtor about price range in obtaining mortgage approval.

A few tips to be noted in applying for a loan.
• Do not give your social security number to anyone right away. Do this only when you are sure about whom you will work with.
• Watch out for loan officers who bully buyers into revealing their social security number. If they cannot discuss their programs without your social security number, look out for another loan officer.
• You are entitled for pre-approval once you have provided accurate information. However, remember that this does not guarantee you will get the loan to buy or build a house of your choice.
• A pre-approval is always better than pre-qualified. But this does not guarantee final underwriting approval.


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Treasury Department Statement on Auto Supplier Support Programs

The U.S. Department of the Treasury released the following statement today from spokesperson Jenni Engebretsen on the launch by Chrysler LLC and General Motors Corporation

WASHINGTON - The U.S. Department of the Treasury released the following statement today from spokesperson Jenni Engebretsen on the launch by Chrysler LLC and General Motors Corporation of Auto Supplier Support Programs. The programs launched today are open to any receivable created with respect to goods shipped after March 19, 2009 made on qualifying commercial terms. Suppliers interested in participating in the program should contact Chrysler and GM.

"The U.S. Treasury Department is pleased that both GM and Chrysler have moved quickly to launch Supplier Support programs. These efforts, backed by U.S. Treasury resources, will help stabilize the auto supply base and restore credit flows in a critical sector that employs more than 500,000 American workers across the country. During this difficult period of restructuring in the auto industry, the Supplier Support program will provide supply companies with access to liquidity and protect good-paying American jobs while giving GM and Chrysler reliable access to the parts they need."


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Get happy in 30 minutes


Try as many of these nine ideas as you can in half an hour and boost your mood. » Get started

In the next half hour, tackle as many of the following suggestions as possible. Not only will these tasks themselves increase your happiness, but the mere fact that you've achieved some concrete goals will boost your mood.

Jay Gosney
1. Raise your activity level to pump up your energy. If you're on the phone, stand up and pace. Walk to a coworker's office instead of sending an e-mail. Put more energy into your voice. Take a brisk 10-minute walk. Even better...

2. Take a walk outside. Research suggests that light stimulates brain chemicals that improve mood. For an extra boost, get your sunlight first thing in the morning. Find the best walking workout for your exercise style.

3. Reach out. Send an e-mail to a friend you haven't seen in a while, or reach out to someone new. Having close bonds with other people is one of the most important keys to happiness. When you act in a friendly way, not only will others feel more friendly toward you, but you'll also strengthen your feelings of friendliness for other people.

4. Rid yourself of a nagging task. Deal with that insurance problem, purchase something you need, or make that long-postponed appointment with the dentist. Crossing an irksome chore off your to-do list will give you a rush of elation.

5. Create a more serene environment. Outer order contributes to inner peace, so spend some time organizing bills and tackling the piles in the kitchen. A large stack of little tasks can feel overwhelming, but often just a few minutes of work can make a sizable dent. Set the timer for 10 minutes and see what you can do. In that time, take a quick look around the house and see how to get organized using everyday items.

6. Do a good deed. Introduce two people by e-mail, take a minute to pass along useful information, or deliver some gratifying praise. In fact, you can also...

7. Save someone's life. Sign up to be an organ donor, and remember to tell your family about your decision. Do good, feel good―it really works!

8. Act happy. Fake it 'til you feel it. Research shows that even an artificially induced smile boosts your mood. And if you're smiling, other people will perceive you as being friendlier and more approachable. There's no need to walk around in a constant state of worry. After all, what's the worst that can happen if you bounce a check or leave wet clothes in the dryer?

9. Learn something new. Think of a subject that you wish you knew more about and spend 15 minutes on the Internet reading about it, or go to a bookstore and buy a book about it. But be honest! Pick a topic that really interests you, not something you think you "should" or "need to" learn about.


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Valentine’s Day – Red Roses, 18 Stems

The red rose is a timeless symbol of love and romance, respect and admiration.


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