i'm just saying…

March 30, 2010

.they’re baaaaacccckkk!.

Filed under: i {heart} the 90s,music,Uncategorized — capricious_me @ 7:54 pm
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Yes!! SWV (Sisters With Voices) has reunited and is back in the studio! These ladies were definitely one of the hottest girl groups of the 90s. Actually, pretty much everything that came out in the 90s was hot. i don’t know what kind of mess folks are passing of as r&b and hiphop nowadays. Next group we need to get back in the studio: Envogue!

March 28, 2010

.the biggest mistake college students can make.

Filed under: in the news,Uncategorized — capricious_me @ 7:43 pm
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(ARA) – Students are boycotting the rising tuition costs in California, but most students across the country are forced to shell out the money to cover the increasing costs of their education.  

Two-thirds of students are in debt at graduation. Most college graduates struggle for a decade or more to pay off their student loans. The College Board reports that student borrowing more than doubled in the past decade to $86 billion. In 2008, the average debt for graduating seniors was $23,000.

“I was always told that education was the most important, no matter what the price,” says Stephanie Cluff, 26, who graduated last year. “Now I find myself feeling completely overwhelmed by all of my student loans.”

Students who have a lot of debt are usually the same ones who don’t know how to secure free money from grants and scholarships, in addition to getting parental support. Rebecca Porter, director of enrollment at Indiana University, says “part of the problem is that students coming in as freshmen do not understand smart borrowing habits.”

Students fail to understand rapid increasing interest as well as fees that are a percentage of the total loan. Interest on federal loans starts at 5.8 percent and runs considerably higher for private loans.

Fifty percent of the students who graduate without debt took advantage of university or national scholarships and Pell Grants. Porter continued, “If students took the time to see what scholarships and grants they are eligible for, there would be a whole lot less student debt.”

Online resources like ClassesandCareers.com can help students learn more about scholarships, grants and financial aid. The Web site has helped more than 50,000 students enroll in universities and get on the right track. Education counselors are available to assist prospective students in financial planning.

If you need help with your student finances, visit ClassesandCareers.com. Fill out the form and an education counselor will contact you to assist you in meeting your educational and career goals.

Sponsored content provided by ARALifestyle. Copyright ARAnet, Inc.

March 26, 2010

.george bush wipes black folks “cooties” on clinton after shaking hands.

Filed under: in the news,no ma'am.,Uncategorized — capricious_me @ 8:34 pm
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.trina and christina aguilera release album artwork.

Filed under: music,Uncategorized — capricious_me @ 8:23 pm
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As release date for her new album “Amazin” is coming closer, Trina reveals cover art for the May 4 release. In this artwork, the female rapper is photographed lying down and starring at the camera with droopy eyes.

Trina recently debuted a music video for a single called “Million Dollar Girl” which has cameos from her featured guests P. Diddy and Keri Hilson. The song is produced by Mario Winans and C.P. Hollywood, while the clip is directed by Gil Green.

Beside P. Diddy and Keri Hilson, other big stars lined up for the forthcoming album include Nicki Minaj, Flo Rida, Lady GaGa, Monica, Rico Love and Kalenna of Dirty Money. The album is preceded with the release of a mixtape called “The Definition of a Million Dollar Girl”.

Source: http://www.aceshowbiz.com/news/view/00031552.html

NEW YORK (Billboard) – The wait is over for Christina Aguilera fans. The pop star announced Thursday that she’ll release “Bionic” — her long-anticipated fourth studio album and the first since 2006’s “Back to Basics” — on June 8.

“Not Myself Tonight,” the lead single off “Bionic,” will premiere on Aguilera’s official Web site on March 30. An exclusive preview of the song will debut this Friday.

Recorded in her home studio, “Bionic” features “electronic and organic elements with subject matter ranging from playful to introspective,” Aguilera said in a statement. “It is something I don’t think anyone will expect…I am so excited for my fans to hear the new sound.”

In addition, Aguilera confirmed long-rumored collaborations with Sia, Le Tigre, Christopher “Tricky” Stewart, Hill & Switch and Ladytron, and a ballad entitled “Lift Me Up” written by Linda Perry.

Perry also wrote “Back to Basics” singles “Hurt” and “Candyman” and Aguilera’s 2002 hit, “Beautiful.”

“Back to Basics” album has sold 1,694,000 copies, according to Nielsen SoundScan. Her 2008 greatest hits set, “Keeps Getting Better: A Decade of Hits,” has sold 338,000.

Aguilera also recently wrapped filming on “Burlesque,” which co-stars fellow pop diva Cher and is slated for a fall 2010 release.

Source: http://news.yahoo.com/s/nm/20100325/music_nm/us_aguilera_1

March 24, 2010

.bebe: destination summer.

Filed under: fashion,Uncategorized — capricious_me @ 8:29 pm
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i am loving these new polka dot handbags in the “destination summer” collection from bebe! www.bebe.com

The Polka Dot Crossbody Bag - $79

The Polka Dot Hobo - $98.00

The Polka Dot Tote $129.00

.*update* matthew knowles: dna test confirmation.

Filed under: in the news,Uncategorized — capricious_me @ 7:42 pm
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according to www.tmz.com matthew knowles is confirmed as the babby daddy to actress alexsandra wright’s son, nixon. 

see the original post: “matthew knowles ordered to pay child support” i posted on 2.17.10.

March 22, 2010

.philly flashback.

Filed under: black history,i {heart} the 90s,Uncategorized — capricious_me @ 6:48 pm
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picture it. philly, 1991. it was the days of scrunchies, cross colors,  big earrings, fanny packs — and homegirls / chumpies potato chips.

the back of the homegirls bag had inspirational messages to young women on marriage, motherhood and self-empowerment ending with the key phrase “no ring, no thing.”

on the back of the chumpies bag was this message for the young men:

Home Boys (H-Boys)

This product is an acknowledgement of our American urban experience, and culture. This experience can be found in the term “Home Boys”.

Many youth today are unaware that this term has been used in our community for over 25 years. And many of our “Home Boys” have gone on to become the pride of their neighborhood.

A lot of the time we weren’t the best kids on the block, but many of us went on to become Doctors, Lawyers, Judges, Ministers, and even Police. We salute the “Home Boys” of the past and dedicate ourselves to taking back the corner of today, from the dealers of drugs. We have to make the corners drug free again.

oh, philly in the early 90s, how i did love thee.

.jaheim: another round.

Filed under: music,Uncategorized — capricious_me @ 6:05 pm
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yes ma’am. this my current fav cd! below is my fav song, “bed is listening.”

March 21, 2010

.cornell university new suicide total: 6, this school year.

Filed under: in the news,Uncategorized — capricious_me @ 5:35 pm
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Ithaca, New York (CNN) — Two suspected cases of suicide on the Cornell University campus have officially been confirmed by the Tompkins County chief medical examiner, bringing the total number of suicides for the academic year to six.

Cornell officials had previously said authorities confirmed four other deaths at the school as suicides.

The medical examiner says his office has been in touch with the families of the latest suicide victims.

“They have all been made aware of the manner of death,” Dr. Howard Socoff told CNN.

The rash of cases has rocked the highly competitive Ivy League school in central New York State.

The most recent suicides came on successive days and prompted the university’s mental health initiatives director, Timothy Marchell, to declare a “public health crisis.”

In February, a freshman jumped off a bridge over one of the area’s well-known gorges. The body of a sophomore engineering major was found March 11 under similar circumstances. Police are also searching for a body in another suicide witnessed March 12.

David Skorton, who became president of Cornell in 2005, has been praised by counselors for encouraging openness on an issue that many schools try to cover up.

In an e-mail to students on Friday, he encouraged them to use available suicide-prevention resources.

Skorton placed full-page ads in the university newspaper, The Cornell Daily Sun, every day this week, which read, “If you learn anything at Cornell, please learn to ask for help. It is a sign of wisdom and strength.”

The message may be getting through. The first sentence of the quote has been written in chalk on one of the bridges where the suicides took place.

The cause of the wave of suicides is unclear, Marchell said.

The national average for school suicides is 7.29 per year for every 100,000 students, said Paula Clayton, medical director of the American Foundation for Suicide Prevention. That means Cornell, with 19,639 students, should average fewer than two suicides a year.

Cornell had no suicides from 2005 to 2008, according to Marchell. And the school has consistently fallen within or below the national average, said Karen Carr, assistant dean of students at Cornell.

The school has been praised by psychologists such as Keith Anderson, chairman of the American College Health Association’s Mental Health Best Practices Task Force, for counseling and prevention programs that confront the issue of student suicide with comprehensive training and understanding.

Cornell responded to a cluster of suicides in the late 1990s with comprehensive training for members of the university community.

Everyone on campus, including janitors, administrators, residential advisers and professors, is trained to look for symptoms of depression. Freshmen are screened for indicators of psychological disorders, and multiple counseling services are available for students in need.

“I know that they’ve been doing a lot of outreach efforts to educate the community. Cornell is kind of a model in some ways,” said Anderson, a staff psychologist at the Rensselaer Polytechnic Institute, in Troy, New York.

In response to the current wave of suicides, Cornell will “strengthen the capacity of the community to know what to do,” Marchell said. “They will be showing nonmental health professionals what role they can play and help students and faculty get the kind of support that they need.”

The school also has posted guards to monitor the bridges over the gorges.

On Wednesday, campus clubs such as Cornell Minds Matters took part in a schoolwide event to promote mental health awareness.

.10 places NOT to use your debit card.

Filed under: in the news,Uncategorized — capricious_me @ 5:05 pm
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Debit cards have different protections and uses. Sometimes they’re not the best choice.

 Sometimes reaching for your wallet is like a multiple choice test: How do you really want to pay?

 

While credit cards and debit cards may look almost identical, not all plastic is the same.

 “It’s important that consumers understand the difference between a debit card and a credit card,” says John Breyault, director of the Fraud Center for the National Consumers League, a Washington, D.C.-based advocacy group. “There’s a difference in how the transactions are processed and the protections offered to consumers when they use them.”

 While debit cards and credit cards each have advantages, each is also better suited to certain situations. And since a debit card is a direct line to your bank account, there are places where it can be wise to avoid handing it over — if for no other reason than complete peace of mind.

 Here are 10 places and situations where it can pay to leave that debit card in your wallet:

 1. Online
“You don’t use a debit card online,” says Susan Tiffany, director of consumer periodicals for the Credit Union National Association. Since the debit card links directly to a checking account, “you have potential vulnerability there,” she says.

Her reasoning: If you have problems with a purchase or the card number gets hijacked, a debit card is “vulnerable because it happens to be linked to an account,” says Linda Foley, founder of the Identity Theft Resource Center. She also includes phone orders in this category.

The Federal Reserve’s Regulation E  (commonly dubbed Reg E), covers debit card transfers. It sets a consumer’s liability for fraudulent purchases at $50, provided they notify the bank within two days of discovering that their card or card number has been stolen.

Most banks have additional voluntary policies that set their own customers’ liability with debit cards at $0, says Nessa Feddis, vice president and senior counsel for the American Bankers Association.

But the protections don’t relieve consumers of hassle: The prospect of trying to get money put back into their bank account, and the problems that a lower-than-expected balance can cause in terms of fees and refused checks or payments, make some online shoppers reach first for credit cards.

2. Big-Ticket Items
With a big ticket item, a credit card is safer, says Chi Chi Wu, staff attorney with the National Consumer Law Center. A credit card offers dispute rights if something goes wrong with the merchandise or the purchase, she says.

“With a debit card, you have fewer protections,” she says.

In addition, some cards will also offer extended warrantees. And in some situations, such as buying electronics or renting a car, some credit cards also offer additional property insurance to cover the item.

Two caveats, says Wu. Don’t carry a balance. Otherwise, you also risk paying some high-ticket interest. And “avoid store cards with deferred interest,” Wu advises.

3. Deposit Required
When Peter Garuccio recently rented some home improvement equipment at a big-box store, it required a sizable deposit. “This is where you want to use a credit card instead of a debit,” says Garuccio, spokesman for the national trade group American Bankers Association.

That way, the store has its security deposit, and you still have access to all of the money in your bank account. With any luck, you’ll never actually have to part with a dollar.

4. Restaurants
“To me, it’s dangerous,” says Gary Foreman, editor of the frugality minded Web site The Dollar Stretcher. “You have so many people around.”

Foreman bases his conclusions on what he hears from readers. “Anecdotally, the cases that I’m hearing of credit or debit information being stolen, as often as not, it’s in a restaurant,” he says.

The danger: Restaurants are one of the few places where you have to let cards leave your sight when you use them. But others think that avoiding such situations is not workable.

The “conventional advice of ‘don’t let the card out of your sight’ — that’s just not practical,” says Tiffany.

The other problem with using a debit card at restaurants: Some establishments will approve the card for more than your purchase amount because, presumably, you intend to leave a tip. So the amount of money frozen for the transaction could be quite a bit more than the amount of your tab. And it could be a few days before you get the cash back in your account.

5. You’re a New Customer
Online or in the real world, if you’re a first-time customer in a store, skip the debit card the first couple of times you buy, says Breyault.

That way, you get a feel for how the business is run, how you’re treated and the quality of the merchandise before you hand over a card that links to your checking account.

6. Buy Now, Take Delivery Later
Buying now but taking delivery days or weeks from now? A credit card offers dispute rights that a debit card typically does not.

“It may be an outfit you’re familiar with and trust, but something might go wrong,” says Breyault, “and you need protection.”

But be aware that some cards will limit the protection to a specific time period, says Feddis. So settle any problems as soon as possible.

7. Recurring Payments
We’ve all heard the urban legend about the gym that won’t stop billing an ex-member’s credit card. Now imagine the charges aren’t going onto your card, but instead coming right out of your bank account.

Another reason not to use the debit card for recurring charges: your own memory and math skills. Forget to deduct that automatic bill payment from your checkbook one month, and you could either face fees or embarrassment (depending on whether you’ve opted to allow overdrafting or not). So if you don’t keep a cash buffer in your account, “to protect yourself from over-limit fees, you may want to think about using a credit card” for recurring payments, says Breyault.

8. Future Travel
Book your travel with a check card, and “they debit it immediately,” says Foley. So if you’re buying travel that you won’t use for six months or making a reservation for a few weeks from now, you’ll be out the money immediately.

Another factor that bothers Foley: Hotels aren’t immune to hackers and data breaches, and several name-brand establishments have suffered the problem recently. Do you want your debit card information “to sit in a system for four months, waiting for you to arrive?” she asks. “I would not.”

9. Gas Stations and Hotels                                                                                          This one depends on the individual business. Some gas stations and hotels will place holds to cover customers who may leave without settling the entire bill. That means that even though you only bought $10 in gas, you could have a temporary bank hold for $50 to $100, says Tiffany.

Ditto hotels, where there are sometimes holds or deposits in the hundreds to make sure you don’t run up a long distance bill, empty the mini bar or trash the room. The practice is almost unnoticeable if you’re using credit, but can be problematic if you’re using a debit card and have just enough in the account to cover what you need.

At hotels, ask about deposits and holds before you present your card, says Feddis. At the pump, select the pin-number option, she says, which should debit only the amount you’ve actually spent.

10.  Checkouts or ATMs That Look ‘Off’
Criminals are getting better with skimmers and planting them in places you’d never suspect — like ATM machines on bank property, says Foley.

So take a good look at the machine or card reader the next time you use an ATM or self-check lane, she advises. Does the machine fit together well or does something look off, different or like it doesn’t quite belong? Says Foley, “Make sure it doesn’t look like it’s been tampered with.”

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