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CelebritiesRe: 10 Female Celebrities Who Rocked Valentine's Day 2020 by lovdoc(op): 12:59pm On Feb 14, 2020
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Celebrities10 Female Celebrities Who Rocked Valentine's Day 2020 by lovdoc(op): 12:58pm On Feb 14, 2020
Its another valentine's season where love is ultimately the order of the day. Many people in different parts of the world celebrate the Valentine day 2020.
Our talk of today is how our Nigerian celebrities most especially the females have celebrated the day in glamor dazzling in super gorgeous red outfits.
We have been stunned away by their beauties and gorgeousness.

Our female celebrities inspirations for this are; Iyabo Ojo, Nkechi Blessing, Mercy Eke, Diane, Toke Makinwa, Juliet Ibrahim, Laide Bakare, Mercy Aigbe, Ini Edo and Uche Jombo.
Give your comments on your favorite outfit and who killed it most!

Source: http://www.balfashion.com/2020/02/10-female-celebrities-who-rocked-valentines-day.html

See photos:

cc: Lalasticlala, Fynestboi

FashionHow To Spot Fake Designer Handbags! by lovdoc(op): 1:25pm On Feb 12, 2020
Let’s say you've got some spare cash after the vacations (maybe from an unwanted gift you returned) and would really like to treat yourself...
to a designer handbag— perhaps by Louis Vuitton, Chanel, Gucci or Coach. You'll attend one among their boutiques or emporium counters. Therefore, a growing number of individuals trying to find bargains will buy these goods through online discounters, or buy them on the secondary market, online or at consignment shops. That’s a touch of a big gamble, though, because you can’t make certainty you’re getting the important thing. Read also, complimenting bags with your outfit.

Tips in identifying fake designer bags.
Cost
One of the most important indicators of faux bags is the price. True designer bags are often discounted, but they're never marked right down to the lowest clearance prices. Any seller that claims to possess designer bags at too-good-to-be-true prices is telling the reality in one respect: the costs are too good to be true because, after all, they are not prices for true bags.

Location
The location the luggage are being sold at is another indication of their authenticity. In order to keep demand soaring, designers limit the amount of every style in circulation, often restricting the amount of bag one consumer may purchase during a specific time-frame (typically three bags of 1 design per month).

Features
The bags themselves are always the most important source of verification about whether they're authentic or counterfeit. When examining a bag which will be fake, check different features, including: material, stitching, labels, initial damage and designer logo

Take Action
If you discover yourself with a fake bag, the affected designer might want to be notified in order that they can alter their designs and make such counterfeits easier to identify.
Furthermore, it's an honest idea to report any suspicious transactions or suspected criminality to proper authorities.

Source: http://www.balfashion.com/2020/02/how-to-spot-fake-designer-bag.html

cc: Lalasticlala, Kandiikane

FashionHow To Appreciate Your Own Beauty! by lovdoc(op): 12:22pm On Feb 10, 2020
Perceptions surrounding beauty and body types not only vary by culture, but have evolved significantly throughout history...

In this era, the perfect woman is described as:

Slender
Narrow Shoulders
High Waist
Symmetrical Face

Our concept of beauty based in nature, or society?

These are the questions that folks are asking themselves for thousands of years. Read also, the beauty secrets that work wonders.

We all worry, at some point in our lives, whether we’re not beautiful enough to be celebrated and loved (here’s a touch , though: you are!) — and we’ve also wondered why certain traits are considered beautiful. Frankly, all of that wondering and second-guessing can get us down.
But it’s important to recollect that beauty ideas are ever-changing, therefore there should be endeavor to stay younger, a bit about how the perfect figure has changed drastically over the past century.
By watching the past, we will see that at some point, almost everyone was considered the ideal!

It’s natural to feel down about your appearance from time to time, but remember, beauty standards are always changing, so comparing yourself to whatever’s fashionable now doesn’t do any good and being kind, confident, and unique — that’s always beautiful!

Source: http://www.balfashion.com/2020/02/how-beauty-standards-evolve-through-the-years.html

cc: Lalasticlala, Kandiikane

CultureMuslims Celebrate World Hijab Day 2020 by lovdoc(op): 11:39am On Feb 01, 2020
World Hijab Day is an annual event founded by Nazma Khan in 2013. The event takes place on February 1st every year in 140 countries worldwide...
Its stated purpose is to encourage women of all religions and backgrounds to wear and acknowledge the hijab. Event organizers describe it as a chance for non-Muslim women to experience the hijab.
Today marks the another world hijab day 2020 as all the world muslims take cognisance of the event in support to the 'unity in diversity' which just emerged from the muslim women for freedom from oppression.

Source: http://www.balfashion.com/2020/02/muslims-celebrate-world-hijab-day-2020.html

cc: Lalasticlala, Fulaman198

CareerBeginning The Year With Purpose by lovdoc(op): 12:44pm On Jan 28, 2020
It’s 2020, there are books and online e-books. Do your research and make up your mind about how you truly feel about a topic, so you can justify it when you speak out. Don’t remain stuck in your myopic views or ideologies, read far and wide and learn so many things.
Hey people, it’s the beginning of another decade. Even if January has almost come to an end, this decade is still fresh, right? Many of us already have plans and resolutions for this year but permit me to add a little more to it. Now, before you scowl and grumble, you should realize that without these points, you might not get the desired results from your set goals.

Stop apologizing for your thoughts and beliefs
Unless your thoughts and beliefs are racist, sexist or just plain mean, you should be unapologetic about them. Do you and be you!

Learn to unlearn
That you already have a preconceived notion or idea in your head about a particular subject doesn’t mean it’s the right one.

Stand up for yourself
When faced with adversities, learn to say ‘no, this isn’t what I did or said’. Don’t be that person who says yes even when it’s not in your favour. This decade, stop being taken advantage of – whether in your workplace or even at home.

Speak up
I cannot stress this enough. It’s not enough to believe in equal opportunities, we should also have the courage to put our colleagues, family members, and even our bosses in check. I personally made a promise to myself that I won’t put up with chauvinistic and sexist comments directed at me, be it from my boss or family. It’s not enough to stand for something, we should also put people in check so they can learn to be accountable for the words coming out of their mouths.

Learn to budget
It would surprise you that not many people actually sit down to budget every month. Budgeting teaches discipline. Following it strictly would pay off in the long run. Have a schedule of your expenditure every month and allocate a particular sum to it. Also, follow the budget strictly. That’s the only way it will work for you. Is this difficult? Heck yeah, it is. But trust me when I say it pays off.

Save
This can’t be over-emphasized enough. Set aside money every month for your savings. You can open a different bank account for this purpose (don’t get an ATM card so you won’t be tempted) Also, don’t touch your savings for any reason unless there’s an emergency, of course. It’ll amaze you how strict discipline pays off for you at the end.

Be nice
You’d think this is basic right? Surprisingly, it’s not. Every day, from my interactions and what I see, I’ve noticed that the acts of kindness exhibited are extremely few. It doesn’t take anything away from you to become a decent human being or do random acts of kindness like slowing down so people can cross the road. It’s hard out here for those who don’t have cars and helping out is good. Being a decent human builds your character. Let’s stop judging and show more compassion. You can start a personal mission – exhibit one random act of kindness a day. Just one, and see how much better your life will be.

Don’t be a hypocrite
When you preach something, have the courage to exhibit it. Don’t be out here talking and condemning, meanwhile you’re not who you claim to be.

Finally, we are all capable of doing much more that we think we can. We are all much stronger than we think we are. Just have faith and keep pushing. Have courage, be kind and be a better you.
Here you have it people, which of these tips will you put into practice right away? Have more to add? Please share with me.

See more: http://www.balfashion.com/2020/01/beginning-your-year-with-purpose.html

cc: Lalasticlala, Crazyman

Family7 Look-alike Sisters In A Family Photo In Rwanda by lovdoc(op): 1:08pm On Jan 26, 2020
Family has always been the most beautiful thing in life. This is a family in Rwanda where all are females and they are 7 in numbers. They are just so adorable as this photo was posted on a popular group of facebook.
Check the photo out and pick the eldest among the sisters. Drop your comments in the comment section.

Source: http://www.balfashion.com/2020/01/7-look-alike-sisters-in-family-photo-in.html

cc: Lalasticlala, RoyalRoy

Fashion'Reasons Why Make-up Isn't Necessary' - Beautiful Young Lady by lovdoc(op): 4:06pm On Jan 15, 2020
For many, applying makeup is simply a section of their normal morning routine: wakeup, apply makeup, eat breakfast, etc. except for me, makeup...
has been exiled from my morning routine, and here’s why:

At now, i dont wear makeup to reinforce my beauty, but rather to cover it. I seemed like a totally different person without makeup on, which was quite weird. Not that I looked different, i have a greater feeling about my beauty and confidence.

Eventually, thanks to lack of time, i started wearing less and fewer makeup until I finally felt comfortable enough to wear none. Wearing no makeup takes tons of courage, but it shouldn’t. Everyone should feel as if they will show their natural face stupidly any less of themselves.

Now that you simply have my entire makeup history back-story, here are the explanations that I don’t wish to wear makeup:

Time

Makeup takes such a lot time, time that i want (yes, I’m talking about you, sleep!). I don’t understand you, but i might much rather sleep in an additional half-hour approximately than awaken just to place on makeup. If it takes quite five minutes tops, count me out. Now, a swipe of mascara here and there doesn’t take quite a couple of seconds, but applying quite one or two makeup products becomes so time consuming. If you’re occurring a primary date or have a special night planned, I can understand the want to require a touch longer than usual to urge ready and apply a full face of makeup, but on an everyday basis, makeup, to me, is simply a waste of your time .

Feel

I touch my face more than the typical person does through out the day, and that i really don’t just like the greasy-ness that comes off on my fingers once I touch my face if I even have on foundation or BB cream. I also don’t just like the mask-like feeling once I have a layer of makeup on. To me, it feels very heavy, like my face cannot breathe. i really like having the ability to the touch my face and not be scared of messing up or moving my makeup. And don’t get me started on sweating with makeup on.

Less is more

Less is basically more. Some girls have the power to spend an hour on their makeup using 50 different products and honestly not look a tad bit different from their no-makeup self, except for most, makeup makes them seem like, well - that they're wearing makeup. i do know not everyone thinks like me, but i actually don’t just like the whole makeup look. i prefer makeup to seem natural and not cover any of my face. That’s why I attempt to pass the philosophy, “less is more.” People just look better with little to no makeup. they appear real.

Money

My last reason for not eager to wear makeup is that the monetary aspect of it. The makeup industry is a $445 billion dollar industry, in line with Forbes Magazine. believe all the makeup you own - what proportion money would you've got saved if you never bought it? Personally, i might have a check for a couple of thousand dollars in my pocket immediately if I had never bought all the makeup I even have owned in my lifetime. Makeup is expensive - even drugstore varieties can add up quickly.

My final thoughts on makeup are although i'll not ever be ready to fully get obviate all of the makeup I currently own, I do believe that makeup isn't always necessary, and that i want to challenge you to point out how confident you're with none makeup, because no makeup is gorgeous.

See more: http://www.balfashion.com/2020/01/reasons-why-makeup-isnt-necessary.html

cc: Lalasticlala, kandiikane, tjskii

FashionTips You Should Consider To Get More Stylish! by lovdoc(op):
As you have started moving through 2020 hoping that it's getting to be your most stylish year yet, do not panic as we are here to assist you achieve that. From holding onto old clothes that never get worn to panic buying pieces that will not have quite one outing, we are all guilty of creating decisions though sensible decisions when it involves our wardrobes. But, it doesn't need to be that way.

Here, we break down 10 wardrobe resolutions to undertake now in order to make space, economize and promote the appearance of your wardrobe the simplest you ever have.

1. Don’t buy something for only one occasion

We’re all guilty of it. A wedding, a Christmas party, a Friday night reunion with old friends. Heading somewhere exciting means we inevitably desire we'd like something special – and thus something new – to wear. However, more often than not, the maximum amount as we just like the piece that we buy, it rarely gets quite one outing.


2. Don’t buy or keep something that doesn’t suit you

As well as holding onto things that don’t fit, many folks keep pieces that we all know don’t suit us. Often we’ve bought something on a whim because it’s an enormous trend or because we saw somebody else wearing it and thought they looked amazing – but because it just doesn't suit us, we've never actually taken it out of the cabinet. If a bit of clothing doesn’t cause you to feel confident and cozy , it's no place in your life.



3. Don’t buy something simply because it’s a bargain

It’s easy to be won over by an enormous discount, and you ought to make the foremost of giant markdowns – especially when it involves investment designer pieces – but as long as that piece are some things that you simply actually need to feature to your arsenal. Never buy something simply because it’s an excellent deal regardless of how affordable it is , if you've never worn it, it’s an entire waste of cash.


4. When you buy something, get obviate of something else

An excellent thanks to keep your wardrobe at a wise size is to adopt the one-in, one-out policy: whenever you add something new, take a bit out (and sell it or donate it to charity). Not only will it keep your rails and shelves from overflowing, it also means you've got to be far more confident about what you're purchasing. You’ll never buy something unless you completely like it, knowing that you simply are getting to need to lose something special from your wardrobe.


5. Make an attempt to get new brands

Another reason we grind to a halt into style ruts is because we get attached to be cozy with certain shops. It’s great to possess your core favorites; what you trust and what you recognize last well, but there are always numerous new, amazing brands hitting the market that are waiting to be discovered. From high-end designer labels to cheaper mid-range brands, keep exploring all year round. You’ll find yourself with some truly special, stylish finds (that – bonus – nobody else has).


6. Create a consistency

One of the large misconceptions about being stylish is that you simply should never buy something almost like what you already own. Of course, nobody aims to possess a whole wardrobe consisting only of 15 dark blue jumpers and 10 identical pairs of black skinny jeans. However, don’t be afraid to form the foremost of the knowledge of what suits you. All of the foremost stylish women within the world have their own uniform – they keep it simple, they know what they appear good in and that they stick with this formula when they’re choosing new pieces.


7. Know your wardrobe inside out

It sounds obvious, but it is easy to forget what's sitting in our wardrobes – and, for several folks , there'll be great pieces hidden away that haven't seen the sunshine of the day for years. So, before you plan ahead to buy something new, confirm that you simply have a really clear idea of what's in your wardrobe already. If you've got a clear-out and declutter, you'll know what's in there and this may prevent you from accidentally buy belongings you don't need.


8. Invest in what you already own

So many folks are guilty of throwing pieces away as soon as they're damaged, but simply because something may be a little worn doesn't mean it must be discarded. Invest within the pieces that you simply have already gotten in your wardrobe by knowing where to urge things fixed in your local area, from an excellent seamstress to shoe and handbag restoration companies. t's worth spending a touch little bit of money to urge things fixed instead of re-buying an equivalent thing time-to-time again.


9. Don't underestimate the facility of a capsule wardrobe

To be truly stylish doesn't take an enormous budget or three walk-in wardrobes worth of designer clothes – you do not need tons to look good. What you should try doing though, is to form good, sensible decisions. Buy what you would like, buy what causes you to feel great and hold on to fabulous appearance after rocking your clothes. You'll roll in the hay in only 15 pieces. Do not believe us? See the way to build a capsule wardrobe below.


10. Don’t continue extravagant shopping sprees

Often we grind to a halt mode ruts, desire we hate everything in our wardrobes and don't have anything to wear. When this happens, more often than not, we continue an enormous shopping spree and find yourself spending huge amounts of cash on exactly these trend-led items that find yourself sitting in our wardrobes forever, never being worn. Don’t let it get to the present point. Instead, keep an eye fixed out all-year round for pieces that you simply love and make a note of the items that you are lacking once you realise it. Consider it as a continuing and evolving process, instead of going back to face one every few months. Allowing yourself to shop for one very nice piece monthly, instead of having two huge shopping sprees a year will likely end in far better thought-out decisions and, as a result, a much more stylish wardrobe.


See more: http://www.balfashion.com/2020/01/10-ways-to-be-more-stylish.html

cc: Lalasticlala, kandiikane, tjskii

FashionHow To Get Updated On Fashion Trends! by lovdoc(op): 4:57pm On Jan 08, 2020
Dressing fashionably may be a good way to precise yourself and boost your confidence. It can cause success in other areas, even your professional and private life. However, fashion trends change quickly. It sometimes feels impossible to stay up with the fast-paced and sometimes inaccessible fashion world. Nonetheless, albeit you are not within the apparel industry , you too can continue with trends and incorporate them into your own personal style. All you need is just to stay up with these awesome tips of fashion trends and you will always stay updated and fashion conscious.

1. Watch the runway. Fashion brands and designers engage in shows twice a year at designated “fashion weeks” at various cities round the world. While there is difficulty to gain access to those events, there are many other resources available online that recap and memorize the shows with photos, videos, and written reviews.
Balfashion.com is the reliable place to ascertain recent video footage and pictures from runway shows. You'll also watch archived shows from past years to urge an understanding of how trends have changed.
Notice what shapes and colours the designers are using even though you cannot see yourself wearing a number of these clothes, you'll see more wearable versions of those on the streets in months to return . By getting to the source, you'll be before the trends once they reach the overall public.

2. Read fashion publications. Even without a subscription, many prominent fashion publications have free and accessible content for people who are fashion lovers. These websites are tailor-made for normal people trying to stay up with fashion trends.
Magazines like Vogue, Harper's Bazaar, Women's Wear Daily have many online articles about current fashion trends and the way to wear them.
Fashion bloggers are regular people with an interest in fashion as they need free websites dedicated to new trends giving room for observation.

3. Follow social media. Many bloggers, models and fashion designers use Twitter and Instagram to share information about their favorite fashion trends, keeping updates and sources of their inspiration.

Explore the #fashion hashtag on Instagram and find the accounts that get you most interested, inspired and excited about new trends. Follow up with celebrities and designers on social media whose style you most admire.
Even if you do not have access to a smartphone, you'll access these social media accounts through the web.

4. Go shopping. A method to remain informed about fashion trends is by listening to what merchandise stores are selling. Watch what the mannequins are wearing.

Retailers translate more inaccessible styles from high-end designers into wearable day clothes. Being informed about what stores are selling can offer you a way of what is “in.”

5. Change your shopping habits. It's going to be helpful to buy more frequently and buy fewer things directly . this may allow you to remember trends and confirm you're only buying belongings you love.

Don't feel pressurized to shop for something whenever you shopping . Make an informed purchase by taking time to seem around and by doing research online.
Force yourself to explore new stores and you'll not think a particular brand is your style, but it'll help broaden your fashion education!
When you find an item you wish, believe you have two other items in your wardrobe that you simply can pair it with. That way, you'll have a wardrobe filled with clothes that you simply actually wear.

6. Explore online shopping. You'll explore fashion trends without braving a busy mall. Online retailers allow you to explore new merchandise quickly and simply.
Sign up for emails from your favorite stores. Many brands send email blasts once they have new inventory and designs.

While it's easy to urge bound; keep up with fashion trends, set a monthly monetary limit so you're not spending lavishly on clothes.
Remember that fashion trends change so quickly that it's impossible to stay up completely. Buying a couple of items a month will keep your wardrobe lively without exhausting your wallet.

See more: http://www.balfashion.com/2020/01/latest-fashion-trends-fashion-ideas-and-style-tips.html

cc: Lalasticlala, kandiikane, tjskii

FashionDo Your Shoes Have To Match With Your Outfit? by lovdoc(op): 11:51am On Jan 06, 2020
The first step in selecting the simplest shoes is selecting shoes that complement your clothing, instead of ones that compete together with your outfit.

For that reason, we always recommend pairing busier shoes with simple outfits and wearing simple shoes with clothing that features tons of prints, embellishments or dynamic accessories. It is often tricky to seek out shoes that complement your clothing, without dominating or being overpowered by it, but the truth is, it is a simple balancing act.

When you look into the mirror, do you have the element of your outfit standing out among the others?
Is your outfit too chaotic? i.e. Are the accessories on your shoes contradicting with the crystals on your dress?
Do your shoes and clothing match too much? i.e. Do your black pants, black turtleneck, and black booties all appear as one long bodysuit?

If you answered "yes" to any of the above questions, then the quickest thanks to gather a cohesive look is to easily try another pair of shoes, and ask yourself the questions again.

See more: http://www.balfashion.com/2020/01/do-your-shoes-have-to-match-with-your-outfit.html

cc: Lalasticlala, Kandiikane

Investment8 Money Saving Tips For 2020 by lovdoc(op): 5:57pm On Jan 05, 2020
With New Year’s resolutions on everyone’s minds, you'll be brooding about how you'll spend less and save more this year while setting the intention may be a great first...
step—and one you'll have done before—the most vital part is really following through with it. Here are some easy ways to stay safe on a money-saving track.


1. Have a Goal
You’re far more likely to vary your spending habits if you’re saving with something specific in mind. It might be something as large as a two-week vacation or a deposit on a house—in which case, you'll also mentally steel oneself against what is going to be more of a savings marathon. If your focus is on (relatively) smaller items sort of a new laptop or winter coat, consider it more of a sprint—and once you achieve it, you ought to add something else, big or small, to your wishlist.

2. Track Non-Essential Spending
Regardless of how big your target figure is, you would like to ascertain where all of your finances are going, you'll find out what proportion you’ll be able to put away to try to do this. On the first day of the next month, check out what you spent the previous month, putting essentials and non-essentials into different buckets. Essentials are relatively fixed costs (rent, student loans, car payments, groceries), while non-essentials are where you've got some wiggle room—think takeout, concert tickets, those afternoon matcha lattes.

Consider what you'll forego and plan to socking that cash away. For instance , are you able to skip takeout twice every week and cook reception instead? What about dining out? If you’re spending N30000 a month on dinners, find out how to save N10000 that would mean meeting friends out for drinks instead or steering your crowd to less-expensive restaurants.

As for the particular figure you ought to be saving, 10% to twenty of your income monthly may be a good benchmark. you would possibly also adopt the 50-30-20 rule, which involves 50% of your take-home to travel toward essentials; 30% toward non-essentials; and 20% toward savings.

If the thought of closely tracking spending seems too overwhelming, there are variety of apps which will roll in the hay for you by linking on to your credit cards and bank accounts. Counting on the app you select , you’ll be alerted when you’re in jeopardy of overspending.

3. Get obviate High-Interest Debt
There’s no one-size-fits-all solution when it involves high-interest debt, which is most ordinarily related to mastercard bills. Assuming you've got a touch money squirreled away in an emergency fund, high-interest debt is that the very first thing you ought to tackle before meeting long-term savings goals. On the opposite hand, if you've got no emergency fund to talk of, start there before paying off high-interest debt (a good target is to possess a minimum of three months of living expenses saved up).

The benefits of eliminating high-interest debt are two folds: The faster you pay it down, the less it’ll cost you in finance charges. Plus, once the debt is paid off, you'll put the quantity you were paying monthly into savings instead. The simplest part is you won’t feel the pinch since you’re already familiar with putting away that cash .

4. Make It Automatic
Every month, schedule a recurring amount of cash to be transferred regularly from your bank account to a linked bank account . This tactic relieves you of getting to recollect to form a deposit and reduces the danger of you spending the cash before it’s saved. Even better: If you'll plan to have a part of your paycheck directly deposited into a bank account in order that it never hits your bank account in the least and if you've got access to an employer-sponsored pension plan , make automatic contributions thereto also .

5. Stick with the 24-Hour Rule
We would be willing to bet that you simply buy more things online than at a store—which means you furthermore may skills tempting and straightforward it's to constantly visit your favorite online shop to ascertain the newest inventory. (Infact, that “what’s new” section was put there with people such as you in mind.)
You’re not actively shopping, it’s hard to believe your budget when a cute pair of shoes follows you around Instagram, practically begging to be bought.

The solution to avoiding impulse buys? Impose a 24-hour limit on hitting the “buy” button after placing items in your cart. There is likelihood that the good by subsequent day, you’ll decide you don’t need them in any case .




6. Don’t Spend “Found Money”
Whether you’re lucky enough to possess grandparents who gift you N40000 for your birthday or typically receive an annual tax refund, it’s best to place this money toward your savings goals instead of spending it. After all, it wasn’t there before, so you’ll never miss it. Instead of spending more, put the difference into savings (though be happy to shop for yourself alittle celebratory gift!).

7. Consider Accounts With Tax Benefits
If your goals don’t require need to take advantage subsequent one to 3 years, check out accounts that provide tax advantages. For longer-term goals like college and retirement, funding accounts sort of a 529 education plan, Roth IRA, or health bank account will offer you tax savings and permit your money to grow over time through investments. (Note that before opening any new accounts, it is often good to consult your tax advisor.)

For example, if you select to take a position during a Roth IRA, your contributions aren't tax-deductible. However, they grow tax-free and may be withdrawn without being taxed after age 59 and a half. If you’re early in your career, this might be a sensible gratitude to saving since you’ll likely be doing a higher income bracket when you’re able to make your withdrawals.

Saving for your child’s future college costs? If you contribute to a 529 plan, account earnings aren't subject to federal tax and typically not taxed by the state if spent on educational expenses like tuition, fees, books, room and board. (And counting on your state, you'll be ready to claim a deduction or credit on your state taxes for your contribution, too.)


8. Don’t Do It Alone
Saving money isn’t always easy—if it were, there wouldn’t be numerous articles written about it!—but if you recognize a lover , loved one , or co-worker who is additionally trying to save lots of, pairing up may help motivate you to stay to your plan. you'll share progress, commiserate over hurdles, and have someone to rest on for support

See more: http://www.balfashion.com/2020/01/8-money-saving-tips-for-2020.html

cc: Lalasticlala, dominique

FamilySee Nigerian Siblings Who Recreated Their Childhood Photos by lovdoc(op): 12:24pm On Dec 31, 2019
Nigerian siblings tried to recreate a photo they took 12 years ago when they were much younger. See the beautiful outcome below.

See more: http://www.balfashion.com/2019/12/see-nigerian-siblings-who-recreated-their-photo.html

cc: Lalasticlala, RoyalRoy

CelebritiesActor Adedimeji Lateef Speaks About The Care Of Women by lovdoc(op): 2:08pm On Dec 29, 2019
Nollywood actor, Adedimeji Lateef took to Instagram to remind men of their duty of aggrandizing the beauty of their female partners during pregnancy and their menstrual cycle...

The actor who urged men to make give their women all the attention they need during pregnancy and their menstrual cycle, noted that it is quite natural for women to look less beautiful during such times.

Lateef also appreciated women for being strong and beautiful the way they are.

He wrote;

It’s natural for women to look less beautiful during pregnancy process or maybe menstral period.
It is your responsibility as her Husband to aggrandize her beauty at this time , make Sweet and beautiful comments about her shape . Give her all the attention she needs at this time because that's when they crave it more.
She is obviously carrying your baby and without that meal duration , she can’t get pregnant .
A big shout out to you all beautiful women and mothers out there , You are Beautiful just the way you are, You are Strong and I appreciate you for who you are and the way you are created , God bless you all and all that you do .
Starting from my mum to every other woman and mothers out there ,
thank you for all you do , I love you so much.
BalFashion

cc: Lalasticlala, Fynestboi

CelebritiesJuliet Ibrahim Reveals New Strategy For Giving Love A Chance In 2020 by lovdoc(op): 7:54am On Dec 29, 2019
Juliet Ibrahim has unveiled a new strategy she will be taking up in 2020 when she starts getting serious with anyone...
The Ghanaian actress said she will be uploading the photos of whoever she starts getting serious with, with the caption “ WHO GET AM? ”.

Juliet Ibrahim who disclosed that the photos will be staying on her social media page for at least 48 hours, stated that she won't be played anymore as experience is the best teacher.

She wrote;

As I’m ready to give dating another chance in 2020 ... once we start talking about getting serious, I’ll upload the person’s picture with the caption “ WHO GET AM? ”
I will leave it up for at least 48 hours just to be sure I’m allowing the right person into my life.
Experience na best teacher ooo!!! I won’t be played anymore ladies please feel free to claim your boo if he’s posted up on my page! And please Claim him with receipts.
I stand for women supporting each other and the bond of sisterhood. 2020 don’t let these playas play us.
BalFashion

cc: Lalasticlala, Fynestboi

CrimeRe: LASU Final Year Student Killed And Eaten By Her Friend, Mother And Prophet by lovdoc(op): 6:41am On Dec 29, 2019
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CrimeLASU Final Year Student Killed And Eaten By Her Friend, Mother And Prophet by lovdoc(op): 6:41am On Dec 29, 2019
Three suspects linked to murder of a final year student of Theatre Arts at the Lagos State University (LASU) identified as Favour Seun Daley-Oladele, have been reportedly arrested by the police.


The deceased who was reportedly pregnant was allegedly killed on December 8 at Ikoyi Ile community in Ikire, Osun State.

Favour was allegedly killed by an ex-student of LASU, Owolabi Adeeko in collaboration with his mother Mrs Adeeko and one Prophet Segun Phillip, said to be a serial money ritualist. The deceased's body parts was allegedly eaten by Owolabi and his mother in a bid to change their family's misfortunes.

Omojola Omotayo who shared the story on Facebook, wrote;


#JUSTICE FOR FAVOUR SEUN DALEY-OLADELE
FAVOUR SEUN DALEY OLADELE Aged 22yrs, a 400 level theartre art student of LAGOS STATE UNIVERSITY(LASU) was gruesomely murdered on the 8th of December 2019 at Ikoyi Ile in Ikire,Osun state . She came home to see her parents, attended church service on Sunday ,while with her parents that sunday, she received a call from one OWOLABI ADEEKO who was an ex Lagos State University student who asked her to meet with him at undisclosed location.

Favour had told her parents she would be going to school as well as seeing a friend that afternoon this person happen to be OWOLABI ADEEKO whom she met about two months ago . That same Sunday afternoon she spoke with her father and he wishes her the best of luck in her forth coming final examination.

From then on, everything started happening in quick succession, her phone stopped going through, she did not returned calls neither did she call any of her parents to inform them of her arrival at school . Unknown to the parents she had been murdered by OWOLABI ADEEKO an ex student of LASU in Collaboration with One prophet SEGUN PHILLIP who happened to be a serial money ritualist practising his satanic trade at Ikoyi Ile in Ikire, Osun state and One Mrs ADEEKO who also happened to be OWOLABI ADEEKO'S mother.

These three people and others gruesomely murdered Favour SEUN DALEY OLADELE. In his confessional statement, OWOLABI ADEEKO admitted inviting her to an undisclosed location before using One black Honda to take her to Fortress hotel at ikoyi ile ,later that evening OWOLABI ADEEKO and her mother ,Mrs ADEEKO lured her to prophet SEGUN PHILLIP place, introduced later as an uncle,Favour was drugged while at the named hotel, Owolabi futher stated that by the time they got to prophet Segun PHILLIP's place she was already tired, the three of them simply put Favour under the tree close to an uncompleted well dug for that purpose, Favour's mutilated body was dumbed inside that well.

OWOLABI ADEEKO admitted futher that he used pestle to smashed FAVOUR'S head while prophet SEGUN PHILLIP admitted that he used sharp knife to cut favours throat. Prophet Segun PHILLIP also admitted in his statement that he caught her open ,removed her heart and certain parts of Favours body to cook native stew for OWOLABI ADEEKO'S mother. Mrs ADEEKO a collaborator in this evil scheme admitted eating the said native stew called(Aseje) so that her family misfortunes can be changed and so that she and her family can become rich.

Again it's important for us to appreciate the good work of the investigating officers but what is most troublesome is that the duo of OWOLABI ADEEKO and prophet SEGUN PHILLIP were boasting that they will soon be released by the police. We are calling on well meaning Nigerians to demand justice for Favour SEUN DALEY OLADELE, we are calling on Nigeria's Students to rise up through various medium to demand justice for Favour.

We are calling on good people within LAGOS STATE UNIVERSITY to use their position to demand justice for Favour. Favour was said to be pregnant at the time of this incident.. Please #justice for Late Favour Seun Daley Oladele and spread the news .These perpetrators must be brought to face the justice...#justiceforFavour-Oladele

See more: http://www.balfashion.com/2019/12/lasu-female-student-killed-and-eaten-by-friend-mother-and-prophet.html

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cc: Lalasticlala, Mynd44

CelebritiesOlakunle Churchill Celebrates Birthday With Rosy Meurer by lovdoc(op): 12:36pm On Dec 28, 2019
Churchill Olakunle turned a year older, and his very good friend Rosy Meurer celebrated him in a very special way...
She threw him a surprise party, inviting all his friends.
The actress took to her Instagram where she penned down a very cute message to the businessman and philanthropist. According to her, Churchill is her biggest strength, and she prayed to God to bless him as he clocks a new age.

She wrote:

'It’s that time of the year when I celebrate someone very very special to me… A KING! A LEADER and a blessing to this world was born today. Dear Mr. Churchill, @olakunlechurchill take every birthday wish you receive today, multiply all the love you find in them by 1000, then add years of joy, wonder, and prosperity to the mix…. and it still would not equal all the LOVE, JOY, WONDER and PROSPERITY I wish for you.'
You are my biggest strength and I wish every day of your life be filled with achievement and satisfaction. May God bless your new age and soak you with an abundance of grace and protection. Shine on and never let anyone dull your sparkle. Have a blessed and joyous day sweets. Much Love ROSY ❤️������������� ❤️ #rosykisses #AKING #birthdaychronicles #worldschillestmanoftheyear.”
See more: http://www.balfashion.com/2019/12/olakunle-churchill-celebrates-birthday.html

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cc: Lalasticlala, Fynestboi

CelebritiesStephanie Coker Covers Flair Magazine, Shares Her Pregnancy Journey by lovdoc(op): 4:26pm On Dec 26, 2019
In an interview with The Nation Newspaper’s Flair Magazine, TV personality & entrepreneur, Stephanie Coker, talks about her pregnancy journey and other aspects of her life...
It is a must-read!
Read excerpts from the interview below.
On why she decided to reveal the news of her pregancy
Well, not only was it my birthday the day I posted the maternity photos, but it was also thanksgiving in the United States. So, I just had so much to be grateful for. God has been so good and I have so much family support and friends spreading and sharing their love and I just thought I would share that amazing day with my people and my family online. And you know also witnessing a miracle of bringing a life into the world. It’s just so hard to describe the joy and the feeling, it’s next to none.
On whether she thinks it’s possible for female celebrities to “have it all” – a thriving career and a happy home
I think it is possible, I think we just need to find the right balance. We
need to keep some things off social media. I think it’s not everything you need to respond to, even though it’s hard sometimes. I don’t think it’s worth it. Keeping your sanity and home sometimes is more important. I just think that is one of the ways to help keep a happy home. And as for career, I feel like there is an attack on female celebrities who are married; it’s really weird. It’s like once they get divorced, or separated, it’s like their career blows. There are other women who still have a happy home and a thriving career. I do think it’s possible. I just think we all need to find the right balance.
On some of her most memorable moments of 2019

Hands down, being pregnant. Second, being able to speak in the UN on the status of women in March of this year; that was amazing. Having my presenting course classes being able to hear all these stories from all these young aspiring presenters and being able to spend two days with them. Those moments are the moments I love most about my job; being able
to talk to people who want to do what I am doing. It reminds me of where I am coming from and the passion I felt when I wanted to be a presenter. I really cherish those times.
See more: http://www.balfashion.com/2019/12/stephanie-coker-covers-flair-magazine.html

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cc: Lalasticlala, Fynestboi

FamilyNigerian Woman Married In 1984, Delivers Baby After 13 Years Of No Menstruation by lovdoc(op):
A Nigerian woman who got married in 1984, has welcomed her first child for the first time after missing her menstruation for 13 years...


Recalling how a nurse broke news of her pregnancy to her, Mrs Osiebo who welcomed a baby boy on December 13 said;

“The nurse looked at my face and said, ‘Mummy, to God be the glory, you are pregnant. I was very surprised. "

58-year-old Dorcas Osiebo recalled how her hope was dashed after seeking for help from both traditional and orthodox medical practices. The woman who entered menopause in 2006, also revealed her younger sister who got married after her is already a grand-mother.

She said;

“But early this year (2019), I just felt in my body as if I was pregnant, but I thought how can that be especially when I have not seen my period since 2006,” she said.
“I got married in January 1984, but there was no child at all; people who got married the same year with us have children; even my immediate younger sister has grand-children,” Dorcas said.

Facebook user, Wisdom Nwedene's post reads in part;

She revealed that she was confused and excited when her Pastor’s wife, a nurse confirmed her pregnancy.
“I drank a lot of concoctions (herbal mixtures) in my effort to get pregnant.
“One of the concoctions, I cannot withstand the smell; to drink it; I will block my nose, and close my eyes before I can drink it.
“I did all these to make things better for me but nothing good came out of it,” she said.
“We have gone to many places and hospitals that we cannot even number them all. In 2006, my husband took me for scanning at a hospital in Jos and an obstruction was discovered (not fibroid).
“An operation was carried out at the hospital and I came back home but no solution, rather, since the operation was carried out, I didn’t see my period again.
“When I told my husband, he didn’t belief I was pregnant. But I discovered that I no longer like to eat my best foods and my clothes no longer size me,” she explained.
While her period of waiting for a child lasted, she said: “None of my in-laws disturbed me. My late father in-law did not disturb me, although he once asked why we were just folding our arms and doing nothing about the situation.
“We then told him that we were not folding our arms but trying our best, but that the thing never worked out.
“But I and my husband were worried. My husband is the first born of his father and I am the first of mine also.
“We have younger ones who already have good number of children but it is only us that did not have children of our own. Whenever we remembered all these, we were not happy,” she said.
However, Mr Osiebo said after a long period of marriage and prayer without a child he decided to depend on God for a miracle.
“But by the grace of God today, a baby boy has entered this family; that is the cause of my joy. I am very happy, thank God,” said the excited husband.

See more: http://www.balfashion.com/2019/12/nigerian-woman-married-in-1984-delivers-baby.html

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cc: Lalasticlala, RoyalRoy

CelebritiesFemi Adebayo Celebrates Son's First Birthday by lovdoc(op): 10:05am On Dec 21, 2019
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CelebritiesRe: Actress Iyabo Ojo Celebrates Her 42nd Birthday In Style by lovdoc(op):
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CelebritiesActress Iyabo Ojo Celebrates Her 42nd Birthday In Style by lovdoc(op):
Alice Iyabo Ojo (born 21 December 1977) who is a Nigerian film actress, director, and producer, celebrates her 42nd birthday in style. She has featured in over 150 films, and has produced over 14 of her own.
The beautiful actress and also a mother of two is so joyous as she turns 42. She shared mouth-watering photos of herself on her social media space, captioning:

'HAPPY BIRTHDAY TO ME!!! I really wish i could scream my voice across the universe to show how happy of a Queen I am today...There are have been many hurdles but today isn't about so many words. It's been a tremedous year for I have accomplished many of the goals that I set for myself. Your girl is 42��� come click a glass with me � for I am a woman who knows she is a queen.'
BalFashion

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cc: Lalasticlala, Fynestboi

CelebritiesRe: How Celebrities Stepped Out For 'sugar Rush' Movie Premiere by lovdoc(op):
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CelebritiesHow Celebrities Stepped Out For 'sugar Rush' Movie Premiere by lovdoc(op):
Celebrities have trooped out to a fabulous movie premier of 'Sugar Rush' as they all gorgeously killed the show. These are the collections of the outfits rocked by your favourite celebrities.

BalFashion

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Lalasticlala, Fynestboi

CelebritiesAnto Lecky Slays In Swimwear by lovdoc(op): 10:28pm On Dec 19, 2019
BBNaija star, Anto Lecky steps out in glamour as she rocks a yellow swimsuit which she complimented with a track suit, toning all down with blue hair.

BalFashion

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cc: Lalasticlala, Fynestboi

CelebritiesMercy Eke Slays In See-Through Outfit by lovdoc(op): 6:29pm On Dec 13, 2019
BBNaija star, Mercy Eke wows us away as she slays hot in a glittery see-through outfit, thereby baring her cleavage and bikini line. She rocks her voluptuous figure fabulously.
This is so alluring!


https://www.youtube.com/watch?v=Nk19T3lahIk

https://www.instagram.com/p/B6BTdU7lC-i/?utm_source=ig_web_copy_link

CelebritiesCardi B Covers The Face Of Vogue Magazine by lovdoc(op): 8:33am On Dec 10, 2019
Popular american singer, Cardi B bags it as she covers the face of vogue magazine. Its so beautiful as she poses with a cute baby, thereby rocking matching outfit.

See more: http://www.balfashion.com/2019/12/cardi-b-covers-face-of-vogue-magazine.html

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cc: Lalasticlala, Fynestboi

CelebritiesRe: Which Is Your Favorite: Actress Iyabo Ojo Wows In Gorgeous Gold Outfit In 4 Ways by lovdoc(op): 10:30am On Dec 02, 2019
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CelebritiesWhich Is Your Favorite: Actress Iyabo Ojo Wows In Gorgeous Gold Outfit In 4 Ways by lovdoc(op): 10:24am On Dec 02, 2019
Actress Iyabo Ojo has shown us her high taste for fashion. She stuns in this super gorgeous outfit that can be worn in 4 fabulous ways as an...
indication that this new month is going to be full of high class fashion styles. She shared these mouth-watering photos on her social media space as a great step as she clocks 42 this new month.
The four fabulous ways in which she rocked this outfit are here, as you are going to indicate which is your favourite. Drop your comments in the comment section below.

Via: http://www.balfashion.com/2019/12/iyabo-ojo-wows-in-gold-gorgeous-outfit.html

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cc: Lalasticlala, Fynestboi

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