Asian Women

Asian women, Asiatic or Asian Continental Ancestry Group is a demonym for people from Asia. However, the use of the term varies by country and person, often referring to people from a particular region or subregion of Asia. Though it may be based on residence, it is also often considered a "racial group" or an ethnic group.

In the United States, Canada, and Australia, the term refers most commonly to people of predominantly East Asian, South Asian, and Southeast Asian ancestry; however, in the United Kingdom and Anglophone Africa, the term refers most commonly to South Asians. In other countries, the term is applied to all people from Asia in general. In the US, however, Middle Eastern and Central Asian people are usually not considered Asian peoples.

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Playboy

Playboy is an American men's magazine, founded in Chicago, Illinois, by Hugh Hefner and his associates, which has grown into Playboy Enterprises, Inc., with a presence in nearly every medium. Playboy is one of the world's best known brands. In addition to the flagship magazine in the United States, special nation-specific versions of Playboy are published worldwide.

The magazine has a long history of publishing short stories by such novelists as Arthur C. Clarke, Ian Fleming, Vladimir Nabokov, and Margaret Atwood, as well as monthly interviews of notable public figures, such as artists, architects, economists, composers, conductors, film directors, journalists, novelists, playwrights, religious figures, politicians, athletes and race car drivers. The magazine throughout its history has expressed a libertarian outlook on political and social issues.

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FHM

FHM or For Him Magazine is an international monthly Men's Lifestyle magazine. The magazine began publication in 1985 in the United Kingdom under the name For Him and changed its title to FHM in 1994, although the full For Him Magazine continues to be printed on the spine of each issue. Founded by Chris Astridge, the magazine was a predominantly fashion-based publication distributed through high street men's fashion outlets. Circulation expanded to newsagents as a quarterly by the spring of 1987. FHM was sold from EMAP to Bauer in December 2007.

In December 2006 it was announced that FHM will be discontinuing its United States print edition after the March 2007 issue, turning to an all-digital format with the launch of FHM Online.

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Hot Lingerie

Lingerie is a term for fashionable and alluring women's undergarments. It derives from the French word linge, "washables" — as in faire le linge, "do the laundry" — and ultimately from lin for washable linen, the fabric from which European undergarments were made before the general introduction of cotton from Egypt and then from India.

While the term in the French language applies to all undergarments for either gender, in English it is applied specifically to those women's undergarments designed to be visually appealing or erotc, typically incorporating materials such as Lycra, nylon (nylon tricot), polyester, satin, lace and/or silk and not applied to functional cotton undergarments. It is commonly pronounced in English with a faux French pronunciation (such as LONJ-er-ee in British pronunciation or lonj-er-AY in American pronunciation).

The concept of lingerie being visually appealing was a development of the later nineteenth century. Up through the first half of the 20th century women selected underwear for three major purposes: to alter their shape (first with corsets and later with girdles or bras), for reasons of hygiene, or for modesty. Women's underwear before the invention of the crinoline was often very large and bulky. As the 20th century progressed underwear became smaller and more form fitting. In the 1960s 'controversial' lingerie manufacturers such as Frederick's of Hollywood begin to glamorize lingerie and the idea of lingerie having a sexual appeal slowly developed.

The lingerie industry has expanded in the 21st century with designs that double as outerwear. The French refer to this as 'dessous-dessus' which basically means innerwear as outerwear. The boutique Faire Frou Frou, which is an antiquated phrase meaning "show it off", heralds this philosophy by categorizing lingerie as an accessory with details such as straps and lace trim that should be layered and shown as part of one's outerwear.

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Miniskirts

The miniskirt (often hyphenated as mini-skirt) is a skirt with a hemline well above the knees (generally 20 cm—about 8 inches—or more above knee level). The mini was the defining fashion symbol of "Swinging London" in the 1960s.

Around the turn of the 21st century, hipster trousers became highly fashionable for women. The micro mini has been reworked as an even less substantial beltskirt, which is more an evocation of the idea of a skirt than something that covers anything substantial. It may perhaps also provide rhythm for the hipline. Due to its revealing nature, the beltskirt is rarely worn in public. Miniskirts are also seen worn over trousers or jeans, or with leggings that provide coverage of each leg from above the knee. Although "floaty" skirts were most closely associated with the boho look of mid-decade, short skirts also featured in some outfits and in London, for example, minis were more widespread during the hot summer of 2006 than for several years, a trend that continued through the mild autumn and winter and into the following summer.

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Sexy Women's Bra

A brassiere (Brit. /'bɹæzɪə(ɹ)/; U.S. /bɹə'ziɹ/, commonly referred to as a bra, /bɹɑ/) is an article of clothing that covers, supports, and elevates the breasts.

As well as an undergarment, the bra is considered a foundation garment because of its role in shaping the wearer's figure. It was originally developed in the late nineteenth and early twentieth centuries to replace the corset, and has now become, in many parts of the world, the standard method for supporting a woman's breasts.

The bra may be worn to support and enhance breast shape during everyday activities. A specialized bra, the sports bra, can be worn to support and restrain breasts during exercise. The bra may also be worn to preserve modesty or to present a certain image of femininity. Bras are typically designed to lift the breasts into a particular position, for a more youthful look or for enhancing cleavage. These roles are sometimes conflicting. Some designers aim at producing a garment that fulfills a practical role as well as making it look attractive.

Some have questioned the practical need for the bra given that some women prefer to go without a bra on a regular basis. The bra has become charged with political and cultural meanings that overlay its practical purpose. Traditionally it is viewed as symbolic of a young girl's coming of age. It can also be interpreted as a feminine icon. On the other hand, some feminists consider the brassiere a symbol of the repression of women's bodies.

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Women's Panties

Panties (in the USA and Canada) or knickers (in the UK and Commonwealth) are a form of underwear, usually light and snug-fitting, designed to be worn by women or girls in the area directly below the waist. Typical components include a waistband (often elastic), a crotch to cover the gentle area (usually lined with absorbent material such as cotton), and a pair of leg openings (also often elastic). They have either no legs or in some cases very short ones. The term is usually used in the plural -- a single unit is a "pair of panties" -- though "panty" is used in such derivatives as "panty liner".

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Women Celebrity Swimsuits

A swimsuit, bathing suit or swimming costume is an item of clothing designed to be worn for swimming. In New Zealand English and some areas of Australian English, swimsuits are usually called togs. This term is less common in other parts of the Commonwealth where it can also refer to clothes in general. Swimsuits can be skin-tight or loosely fitting and range from garments designed to preserve as much modesty as possible to garments designed to reveal as much of the body as possible without actual nudty. They are often lined with a fabric that prevents them from becoming transparent when wet.

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Celebrity Bikini

A bikini or two-piece is a type of women's swimsuit, characterized by two separate parts — one covering the breasts the other the groin (and optionally the buttocks), leaving an uncovered area between the two garments. It is often worn in hot weather or while swimming. The shapes of both parts of a bikini closely resemble women's underwear, and the lower part of a bikini can therefore range from the more revealing thong and modest square-cut shorts.

Bikini is the most popular beachwear around the globe, which is, according to French fashion historian Olivier Saillard, due to "the power of women, and not the power of fashion", as he explains, ""The emancipation of swimwear has always been linked to the emancipation of women." By mid 2000s, these two-piece bathing suits eveolved into an US$ 811 million business annually, according to the NPD Group, a consumer and retail information company. The bikini has boosted spin-off services like bikini waxing and the sun tanning industries.

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Personal and Car Loan Tips

1. Avoid unsecured loans if possible
2. Be clear about leasing
3. Be honest in loan applications
4. Can't get a standard loan? There are alternatives
5. Check your statements for errors
6. Consider smaller lenders too
7. Do you have to take out a personal loan at all
8. Do you qualify for a 'relationship discount'?
9. Don't just take the dealer finance
10. Don't make multiple applications
11. Don't rely solely on comparison rates
12. Have the right information when applying
13. Have you considered a credit card?
14. Honesty counts
15. Keep accurate records
16. Know what interest rate applies
17. Look beyond the banks
18. Try lenders with whom you are a regular customer
19. Understand what's on offer

1. Avoid unsecured loans if possible
Avoid using unsecured personal loans if you can put up some security for your borrowings. This will get you a lower interest rate. A home equity loan, or redraw of extra repayments, allowing you to borrow against the equity built up in your own home or an investment property, is the best option of all, and could get you finance at up to 5 percent less than a car loan.


2. Be clear about leasing
Leasing is really just another form of borrowing to finance a car. But unlike loan finance - where you take ownership of the car and offer it or something else as security to the lender – lease finance sees a leasing company take ownership and give you the use of the car under contract for a specified period.


3. Be honest in loan applications
Be honest about why you want the loan. Your bank may be able to offer you a loan option that better suits your circumstances. There are an increasing variety of different types of personal credit these days; car loans, commercial loans, leases, home equity loans, are just some of the examples.


4. Can't get a standard loan? There are alternatives
If the banks, building societies and credit unions won't lend to you because you're self employed, newly arrived in the country or have a poor credit history, consider the booming non-conforming and "low doc" loan market. A number of non-bank lenders offer loans which especially cater for this type of borrower. The interest rates on non-conforming loans are generally higher but come down after a few years of on-time repayments.

Compare non-conforming and low doc loans.


5. Check your statements for errors
There are claims that more than 50 percent of home loan statements contain calculation errors. Simple mistakes, like the entry of the incorrect balance or the application of the wrong interest rate at the wrong time can be costly and mostly favour the lender. We all make mistakes, even bank computers make them and that's why borrowers should keep a close eye on loan statements. Various software for your home PC is available that can run a check on your statements.


6. Consider smaller lenders too
When shopping around for a car loan, consider community banks, credit unions and other smaller financial institutions which might be more approachable, and offer lower interest too.


7. Do you have to take out a personal loan at all
Think twice before borrowing money without security. You may have a better option already available; home equity extension to your home loan, a new loan that uses your property as security, a credit card, or even a rich relative.


8. Do you qualify for a 'relationship discount'?
Relationship discounts are available from banks and credit unions for those borrowers who consolidate a range of banking business with the one institution. Home and personal loan interest rate discounts, term deposit bonuses, savings account fee waivers and credit card annual fee waivers are commonly offered.


9. Don't just take the dealer finance
Don’t accept loan or lease finance offered by a car dealer before comparing the offer with finance options offered by your bank or other credit providers. Dealer finance might be less hassle but you could well end up with an expensive loan and more restrictive terms and conditions. The same goes when buying furniture or any consumer goods where finance terms are offered.


10. Don't make multiple applications
Don’t fill out applications at several financial institutions and have all of them checking into your credit history. This can make you look desperate and lower your credit score.


11. Don't rely solely on comparison rates
All lenders must now include "comparison rates" in advertisements for their home loans and personal loans to help consumers get a feel for their total cost - fees and the interest. Don't rely solely on comparison rates when choosing a loan and beware of their shortcomings. They only take into account fees and interest rates, not the features and how suitable the loan is for your circumstances.


12. Have the right information when applying
What you will be required to supply in any application for lease finance will depend on whether the lease is for personal or business use.

Personal lease applications will require:


* proof of current employment
* income details or tax returns

Business lease financing requires more detailed information and may include your:


* balance sheet
* tax returns
* cash flow projections
* business plan


Confirm with the lender what you will need before the interview.


13. Have you considered a credit card?
Consider also a credit card as your source of credit. Interest rates are generally higher but credit cards are easier to secure and offer greater flexibility of repayments.

Check out BankChoice's credit card selector to compare cards that suit your needs.


14. Honesty counts
Be honest about why you want the loan. Your bank may be able to offer you a loan option that better suits your circumstances. There are an increasing variety of different types of personal credit these days; car loans, commercial loans, leases, home equity loans, are just some of the examples.


15. Keep accurate records
Keep accurate records of your deposits and ATM transactions. It is also wise to keep copies of your loan application and approval documents in a safe place.

This is the best way to avoid hefty fees which may be charged by a bank when its customers want to see copies of their cheques or loan files.


16. Know what interest rate applies
When offered car finance, either lease or loan, always be sure you know what interest rate applies. Lenders often ‘sell’ you their finance packages by quoting the monthly repayments only. This may disguise a high interest rate.


17. Look beyond the banks
Get a feel for what's on offer across the wide range of financial providers around these days. Credit unions, building societies, mortgage originators, community banks and boutique online or telephone banks may offer better interest rates or lower fees than the big banks because they are anxious to win new business or they are non-profit organisations.


18. Try lenders with whom you are a regular customer
Take advantage of the human factor. Being a familiar face may earn you some slack if your credit background is smudged.


19. Understand what's on offer
Is the interest rate fixed or variable? What up-front, annual or ongoing fees are charged? Check out BankChoice's loan selector to compare loan fees and rates.

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Car Loan Tips

Financing a new car purchase requires some research. Before venturing out to the car dealerships uninformed, let's take a look at what you will need to know about the car buying process.

First of all, about 70% of all new car purchases are financed. So unless you plan on paying cash for your new car, or you are going to apply for a car loan, chances are you will be financing your purchase.

1. Determine your financial situation

This is the first and most important step in the car buying process. You must know how much you can spend before you can determine what you can afford. You don't want to get stuck making a bloated car payment that will leave you eating bologna sandwiches for three years.

First of all, you need to have a monthly budget. This is very easy to calculate. Add up all of your fixed monthly expenses, such as your rent/mortgage, phone bill, etc. Subtract that from your net income. Then subtract your estimated extraneous expenses, such as food, gas, entertainment, whatever. The result should be an amount of money you have to play with.

From that, you need to remember that buying a car involves more than a down payment and monthly payments. In your budget you will need to include licensing, registration and other hidden costs, as well as monthly insurance costs, gas and maintenance.

Once you have all of this worked out, you should have a ballpark figure of the budgeted amount you can use for car payments. A good rule of thumb is roughly 20 percent of your net income can be used for a car payment. Once you determine that figure, stay with it.

2. Decide which car you want

Now that you have settled on a monthly allotment, now you can look at which vehicles fit into your price range.

This is really about personal choice, but a good criteria to go buy is to look at what your needs are. Do you have a family? There are plenty of affordable, safe and reliable minivans and station wagons on the market. Single and commute, or do a lot of city driving? The compact segment has a wide range of models to choose from that boast handling and superior gas mileage. Do you use your vehicle for work-related tasks, such as hauling, delivery, etc? Check out the many light and heavy-duty pickup trucks and vans. Midlife crisis? There are several convertibles and sports cars that will make you feel young again.

Also consider your wants. Compact cars get really good gas mileage and are a great if you want to save money on the increasing gas prices. Plan on taking road trips? Consider something that gets good mileage and has cargo space and lots of cup holders. Plan on going off-roading? The SUV is your best bet. Some even come with a first-aid kit!

Once you've narrowed your choices down to a couple, it's time to do some car research.

3. Do your homework

All right, Columbo. Here's where you will need to spend some time sorting through some details, but it will be worth the effort in the end. After all, the more you know about what you're buying, about whom you're buying from, and about the buying process itself, the more money you will end up saving.

There are plenty of places for you to do your car research. Check out the Internet and newspapers, contact car dealerships, credit unions and local banks to see what kind of deal you can get. Knowing what a car dealer's competition is offering can only help you out in the negotiating process.

Look at interest rates. You'll want to get the lowest possible interest rate, as it will help you pay less in the long run. Many car buyers focus on getting the lowest possible down payment. If a car dealer gives you a low down payment, the money you are saving has to be made back. Car dealers will find ways to lower your down payment, and as a result will find ways to compensate for their generosity. By deferring the down payment "savings," with interest, you'll end up paying more in the long run.

Also be aware of factory-to-dealer incentives. The secret is that the manufacturer refunds a certain percentage of the car's price to the dealer. So even if the car dealer sells you a car at the invoice price, he or she will still make money from the deal. Find out about a manufacturer's incentive percentage, as they are public information.

You should also look out for rebates. When incentives are offered, this often means the manufacturer wants to either get rid of slow-selling cars or reduce the inventory. Therefore, they may also offer the buyer a cash rebate and a low financing rate, or an option of one of the two.

4. Go to the car dealerships

Now that you have an understanding of what kind of rate you will be offered, you now want to go out to the car dealerships. You already have an idea of what kind of car you want, how much you can spend and what kind of perks you can get. Also you have an idea as to what different car dealerships are offering. This is quite a bit of information for you to carry with you into the negotiating process. But again, the more you know, the better off you'll be. But remember: Car dealers are professional negotiators and do it everyday. You are a novice and will be treated as such. The car dealers aren't going to be easy on you, nor are they going to point out all the ways you can save money. It's up to you to find all of those.

Also remember that you are in control at all times. You have the right and ability to stand up and walk out of the office at any point and the dealer will lose the sale. Don't let a car dealer intimidate you. Be relaxed and comfortable you know all the information and that you hold all the cards.

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Car Loans

Car Loans are one of the key products is you're buying a new or used car. Whether you consider contacting your bank for a personal loan, arrange a loan through a company specialising in bad credit car loans, or if you opt for your car company to provide a car finance deal, the choice of car financing options available are, quite simply, staggering.

With all these wide ranging car loan options available, you'll need to compare car loans carefully to find a cheap car loan to suit your financial situation. And, while a car loan calculator might be able to show you loan repayment options and % APR for the car loans, but can't give you the key information on how good the car loan company are. Our consumer reviews will!

Our car loan reviews compare customer service, speed of response, in fact almost every aspect of your car loan to help you choose the best car loan to suit you.

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Ford Mustang Shelby GT Cabriolet Sports Car

The new 2008 Ford Mustang Shelby GT Cabriolet is available this summer. The production of 2008 Ford Shelby GT is limited to 2,300 to assure exclusivity for collectors.

“The Ford Shelby GT was engineered for people that put performance first,” said Carroll Shelby. “Working with Ford Racing, we created this Shelby to be an everyday driver that’s tuned for fun at the track. Those who value a well-balanced package will appreciate it. Those who don’t will be left behind staring at its tailpipes.”

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Mercedes SLR McLaren Sports Car

The new Mercedes SLR McLaren Roadster, debuting in the fall of 2007, with a a carbon-fibre construction like today's Formula 1 cars, has a supercharged V8 engine under the hood of this high-performance sports car which propels it to a top speed of 332 km/h.

Mercedes and its Formula 1 partner, McLaren, have many years of experience with carbon-fiber that is conventionally used in the aviation and space industries. In an impact, carbon fibres have a level of energy absorption that is four to five times higher than that of steel or aluminium, while the weight advantage of this high-tech material over steel is around 50 per cent.

It comes with a fully retractable soft top to combine pure open-air driving bliss with the ultimate in performance. A true super sports.

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2008 Porsche 911 GT2 Sports Car

The 911 GT2 has a 50 hp upgrade over the standard 997 Turbo for a total of 530hp. This power increase is courtesy of two turbochargers with a larger compressor wheel and a flow-optimized turbine housing.

The GT2 is only available with a 6 speed manual gearbox and RWD to cater to the real car enthusiasts and provide the best performance possible. The new Porsche GT2 does 0-60mph in 3.6 seconds and top speed of 204mph.

It is scheduled to make its North American debut in early 2008 at a US price of $191,700.

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2008 Ferrari 430 Scuderia Spots Car

The new Ferrari 430 Scuderia is designed for those sports car enthusiasts who happily give up some comfort to obtain the ultimate driving experience. Ferrari took off 220 lbs. over the standard F430 while increasing horsepower from 483 to 510.

Superb performance both on and off the track is assured by a several cutting-edge solutions. There is the latest software - F1 Superfast - which reduces gearchange times to just 60 milliseconds, and new traction control.

The 2008 Ferrari Scuderia is a true super sports car!

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Shelby Supercars Ultimate Aero Twin TurboShelby Supercars Ultimate Aero Twin Turbo Sports Car

The Shelby Supercars Ultimate Aero Twin Turbo set the new World’s Fastest Production Car record with an average top speed of 255.83 mph.

On a temporarily-closed 2 lane public highway in Washington State, the SSC Ultimate Aero posted a top speed of 257.11 mph (413.83 kph) on its first pass and 254.55 mph (409.71 kph) on its return pass, achieving a new top speed record: a staggering 255.83 mph (411.76 kph).

SSC used a turbo V8 outputting 1183 HP and 1094 lbs. of torque. The use of lightweight carbon fiber materials allows for a low dry weight of 2750 lbs. giving the Aero TT the production record for lbs/hp ratio at 2.33.

The Ultimate Aero achieved 0-60 mph in 2.78 seconds and 1/4 Mile in 9.90 seconds at 144 mph. The Aero TT is not completely stripped either, it features air conditioning, power windows, power mirrors, a navigation system, and a 10 speaker Audio/CD/DVD. Base price is expected to be around $585,000.

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Ferrari California Sports Car

The new 2010 Ferrari California is the first hard-top convertible ever produced by Ferrari and the first to feature a mid-front positioned engine.

Ferrari California features a new 4.3 liter V8 with direct injection and a flat crankshaft that will put out 460HP. The result is a 0-60mph of under 4 seconds.

The 2010 Ferrari California is a true super sports car!

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Corvette ZR1 Sports Car

The new 2009 Corvette ZR1 is a fast and powerful sports car. It has a 6.2-liter surpercharged engine with 638hp. The acceleration of 0-60mph time of just 3.4 seconds will make it reach reach 100mph from standstill in 7 seconds flat.

The final MSRP of the new Corvette is $103,300 including the destination charge, but it will have a $1700 gas guzzler tax added on top of this.

The 2009 Corvette ZR1 is super sports car indeed.

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Audi GT3 Sports Car Race Car

The new The Audi GT3 R8 sports car is a race car that will enter into some of the great races of the world sometime next year.

Power for the Audi GT3 has been boosted to 500hp and the engineers digged deep into the technics to conform with GT3 standards. The four-wheel-drive system had to be replaced with a more conventional GT rear-wheel drive system and it is also equipped with a newly developed six-speed sports sequential gear box.

The Audi GT3 is a super sports car indeed.

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