Hasta La Gadget!

Bethenny Frankel may be single, but you won’t be seeing the “Real Housewives of New York” star on Tinder anytime soon.

“I’m not interested in … online dating right now,” she told HuffPost Live’s Caitlyn Becker on Wednesday. “It’s something that’s not appealing to me. I meet a lot of people and maybe I would meet someone through someone else, or not, but who knows? You never know.”

The Skinnygirl mogul said she’s actively dating but “taking it slow.”

“I talk about this in my book [I Suck at Relationships So You Don’t Have To] that being a mom is a great way to set a pace — and being a businesswoman,” she explained. “I’m with my daughter, and that time that I have left over from when I’m not working and with my daughter, that’s the time I could go on a date, and that’s not that much time, so it makes it more precious and more paced. If you don’t have a job or you don’t have kids, you have all the time in the world to focus on some guy, and it’s good to have your own life and independence [so you’re] not always focusing on some guy.”

Frankel is still finalizing her divorce from Jason Hoppy, with whom she split in December of 2012 after two and a half years of marriage. The contentious process has led the reality star to swear off marriage in the future.

“I will never get legally married again. I will never, ever be legally married again,” she told Andy Cohen in a recent “Watch What Happens Live” interview. “Marriage is the ‘Hotel California’: You can check out anytime, but you can never leave.”

Watch more from Bethenny Frankel’s conversation with HuffPost Live here.

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If you’re dealing with high credit card debt, you’re not alone. Like, really not alone — in fact, according to the Federal Reserve, consumer credit debt in the U.S. has topped $3.34 trillion dollars as of February 2015, which means there is slightly over $10,470 dollars of debt for every person in the country.

With numbers like that, it’s no wonder that many people are struggling with their credit card debt, especially when you consider that the average card holder has about $15,000 in credit card debt, with an average annual percentage rate of 17 percent.

With that in mind, it makes a lot of sense to focus on strategies to get that debt paid off quickly.

Paying the Minimum Can Double Your Debt

Answer this question honestly — do you pay extra on your credit card bills, or do you stick to minimum payments every month? If you’re like most people, it’s probably the minimum. While making minimum payments may help you keep your credit score from tanking, doing so costs you more in the long run. If you only make minimum payments, the amount of time it takes for you to pay off your bill increases at an exponential rate.

For instance, if your credit card debt is $15,000, your interest rate is approximately 17 percent, and you make a minimum payment of $250.00/month: It will take you 135 months to pay off that card, or a little over 11 years.

During that time, you’ll end up paying over $18,000 in interest, over and above the $15,000 principal.

Now you can see why getting those cards paid off sooner rather than later make a lot of sense.

Strategy 1: Paying Off a Little Extra Every Month

The most straightforward method to getting out of debt is to simply pay more than the minimum due, every month. This method is best when you have a single, consolidated debt.

Paying extra is a great way to go because it helps your credit rating, as credit reporting agencies look at things like early payment and over-payment to be a good indicator of credit worthiness. It also dramatically shortens your timeline to pay off your debt because the extra payment goes straight to the principal.

For example, sticking the with example of $15,000 in credit card debt, with an annual interest rate of 17 percent: As seen above — if you pay the $250 minimum, you’ll be paying for 135 months, and end up paying over $18,000 in interest alone.

However, if you pay $400/month on the same card, it will only 54 months, and you end up paying just $6,545 in interest.

Now granted, an extra $150/month isn’t a trivial amount. But if you can find a way to do it, it not only cuts your time to repay the credit by more than half (less than 5 years, instead of over 11 years), it also reduces your interest portion by about two-thirds, resulting in a total repayment of around $21,545, instead of $33,715. That’s over $12,000 in your pocket.

Why is this? Because, by law, minimum credit card payments are defined as that month’s portion of the annual interest due, plus 1 percent of the principal. You read that right — out of your monthly minimum payment, only 1 percent goes to principal. If you pay extra, all of the extra money paid goes straight to the principal.

Strategy 2: Divide and Conquer

If you’re like most people, however, you have more than one card — in fact, the average American has 3.7 credit cards. And all these cards typically have different interest rates and balances.

Let’s say, for this example, that you have several credit cards, each with a different balance and interest rate. To pay them off, you could pay the minimum amount on each, but we’ve seen how that prolongs your repayment plan and increases your total bill over time.

Another strategy is to pay more than the minimums on each card, which is a good strategy and it can dramatically decrease your time to pay off your debt and the payoff amount.

But an even better strategy is to focus your extra payments on the cards with the highest interest rates. With this strategy, you either pay the minimums (or slight more) on three of the four cards, and pay substantially more on the card with the highest interest rate. This has the double benefit of reducing your payment timeline and interest payments, and once the card is paid off you can take the money you were applying to that card and apply it to the next card on the list, which will result in paying that card off even faster, and so on.

If you qualify for a balance transfer credit card, you can also transfer a high-interest credit card debt to a card that offers 0% intro APRs, so you have a year or more to pay down the debt without interest. If you can’t qualify for a balance transfer card, look at repairing your credit to help you qualify.

Strategy 3: Consolidating Your Debt/Refinancing

A final strategy to mention is the option of using a debt consolidation loan, or refinancing your debt. To be honest, while this is an option, it needs to be treated very carefully and with an abundance of caution. Debt consolidation does not pay off your debt — it simply shifts it. Many debt consolidation loans extend your loan period out for a longer time, so that the payments seem lower. However, the loan comes with an even higher interest rate, and you end up paying more over time.

So while this is a strategy, make absolutely sure that you understand all of the fine print before even considering it. And even after you’ve considered it, you still probably shouldn’t do it.

Choosing the Best Strategy for You

Credit is a tool that, when used responsibly, can help you expand your financial potential and achieve financial stability. But take the time to choose a strategy that best works for you. Likewise, it’s important to avoid overextending yourself financially and stick to a realistic budget for expenses and credit repayment plans. After all, the best way to manage your debt is to keep it to a minimum in the first place.

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It’s always exciting researching stories of success, because every story hides new solutions. I remember having to deal with the most annoying thing in my life when I was 18 — being alone. I didn’t have any other choice than asking for interviews from people who were appealing to my blog. (At the time I had around 200 reads… of course I was the one who created 150 page downloads from it). I had to see that there were people achieving their dreams, because if they could do it, why wouldn’t I be able to do it too? I had to see all the mistakes they committed to can learn from it. Later I needed more help; I had to see that nothing is impossible and that anything can work in big as well. I will never forget the moment when I first came across Oprah. It was a rainy afternoon in the Netherlands when I accidentally switched on the TV and she was there. I started to watch it. I remember, when the episode of the day ended, I run up the stars, grabbed my laptop and brought it down to the living room with me. I started to search and look for more because what I got just wasn’t enough for me.

I watched through the interview Oprah made with Brian Grazer so many times, because the intrepidity that permeated his life was incredibly inspiring for me. Brian Grazer is one of the most well-known movie makers of the world with an unbelievable amount of awards and admissions in his hands. (For example he got nominated to the Emmy Awards 133 times). The Imagine Entertainment what he created with Ron Howard brought over 13 billion dollars as an income. People like him, who have such a great amount of success for that long, deserve to be paid attention to. I collected some of the most useful tips from the interview — maybe it will help for you too.

1. Believe in your goal religiously!

Are you capable to believe so much in something that not even a thousand “nos” takes your passion away? Brian was rejected and laughed at by over a 1000 people through seven years after pitching his movie, Splash. And they didn’t just laugh at him. They said he was insane, they didn’t understand how can somebody has such an idea. As he couldn’t succeed for years, he decided to change on the way he was presenting — he ended up having great success.

2. Turn your goals into habits!

It’s worth trying, at least for a couple of weeks, making a quota for you about your goals each week. Talking about Brian, he met and talked with a certain amount of people each week. If he didn’t do it, he felt that he failed doing his task and his whole week was useless. He used the stories to create his movies or sometimes just to simply calm his curiosity.

3. Be open for the people!

Imagine what would happen if instead of having uncomfortable and forced chats you would be honestly interested about the other person’s life? Imagine if you would want to know all the difficulties he is facing each day, how he is getting over them, what habits he might have or what it is that makes him happy. You can learn much more from other people’s lives than what you would ever think, because they can change the way you look at certain things.

4. Find a”pulling power”!

Find something in your life that can give you magical powers, because sometimes that’s the only thing we need. A personal example: As a kid, I always got told that I am special and I am going to achieve big things. Brian Grazer’s grandmother was telling him the same thing over and over again. If you are able to find something in your life that is strong enough to keep you having faith, you will win.

5. Don’t take anything for granted!

You can never know for how long the situation is going to take that you are in at the moment — this is true for good and bad. If you can look on life from this perspective you will be able to stay opened and friendly with the people around you, because you won’t put yourself over them.

This is the other very important thing: Everybody is equal and you are not supposed to ever make anybody feel that he/she is worth less than you. If you are able to look at everyone with love, the butterfly effect will start to work, and you will be making a difference.

6. Make a Decision!

In most of the cases the thing giving you opportunities is not going to be your talent or your knowledge — but your attitude. Brian came from a little city and started with handing newspapers out — but not in the usual way. He said firmly at the reception that he is just giving the newspaper into the hands of the consignee, independently if it’s the director itself or anyone else. Because of the attitude he had nobody saying no for him — and this led him to get to know everyone in the business really quickly, even if he wasn’t related to anyone famous. He learned new things day by day and took in everything about the film industry.

“Everybody could put a pencil down to an empty page” — and with this sentence, said by one of the directors at Warner, everything began. He didn’t have anything just ideas — but for a character like him it was more than enough.

7. Know that you have something that nobody else has!

I know how it feels when you are trying to feel yourself good in a group where you are unable to comment on any of the topics coming up or you feel that you don’t belong there. What if you would just calm down and just accept that you have something in you that nobody else has? From that moment on, when you are able to listen to the other’s conversations with being opened, curious about their lives, you won’t have any problems. People like to talk about themselves — and if you are able to make them talk — you already have your superpower.

Have something to add to this story?
E-mail me: oravecz.nora@gmail.com
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Research shows that when men do their share of chores, their partners are happier and less depressed, conflicts are fewer and divorce rates are lower… Couples who share chores equally have more sex… Sheryl [Sandberg], has advised men that if they want to do something nice for their partners, instead of buying flowers, they should do laundry. A man who heard this was asked by his wife one night to do a load of laundry. He picked up the basket and asked hopefully, “Is this Lean In laundry?” Choreplay is real.

– The New York Times, March 5, 2015.

Honey! You’re home! And you look like you’ve had a long day. What do you say we turn down the lights and share a little intimate time, just you and me and this Miele S-2000 canister vacuum? Who needs music when we can set the mood to the sound of a thousand hairs being sucked into a dust bag? Before we were married, I didn’t know it was possible for a woman to leave a literal carpet of hair on the bathroom floor. Now, every day I can’t resist the raw temptation to pre-sweep and power-suck and lovingly finger-pluck the long dark strands from our contrasting, creamy-colored tile until the futility of this task washes over me and I submit wholly to the constant, Pantene-smooth reminder of your presence. Since you walked through the door I’m sure you shed half a wig’s worth. Let’s get this party started.

Now that we’ve set the proper ambiance, I want to take you into the kitchen and bend you over the dishwasher as I empty it. And then fill it. And then empty it. And then fill it. And then empty it. And then fill it allllll the way up again. Should I also put away that pile of tupperware that has been sitting on the counter for over a month? I don’t know about you, but I love how those soup and salad containers stack one inside the other. The fit is always just right.

Would it get your juices flowing if I hand washed all of your panties in the sink, ringing out each pair ever-so-slowly before stretching them across the curved lines of your drying rack? And please don’t make me beg you. OK, make me beg you. Pleeeease can I collect every sock you own into my warm and capable arms, so I can coax them into the washing machine for a delicate, soapy massage? After I take them for a tumble in the dryer and they’re nice and hot, I’ll probe deep inside the machine and snatch that last naughty sock that always seems to be hiding.

Next, I want you to join me in the shower so I can spray Scrubbing Bubbles everywhere, scouring the tile and glass until we can’t see each other through all the sweat and foam. After I towel you off with a warm, dry sock (did I forget to do towels?), I will lay you down on the couch before I illuminate the room with a dozen Glade candles. I’ve read their fresh linen scent lasts at least 20 percent longer than Febreze. Now relax as I reorganize our library into a complex, coded system that positions Rosemary’s Baby between Dante’s Inferno and The Joy of Sex, and your childhood copy of The Giving Tree beneath a giant pile of unopened junk mail. By the way, did you know that you married the Ron Jeremy of dusting bookshelves? I’m going to let you interpret exactly what that means.

When the shelves have been satisfied, I will crouch down next to you in the living room. Shhhh, don’t speak. Concentrate on the soothing hum of my voice and the sensation of my hot breath as I whisper tomorrow’s grocery list in your ear. Maybe I’ll buy that almond butter you like even though it’s inexplicably $14 dollars and, I’m pretty sure, made of sawdust. What if I throw caution to the wind and just go for the honey smoked turkey instead of the maple glazed, and then totally indulge by redeeming not one, but two coupons for “any brand of yogurt sold at Whole Foods”? I’ll be sure to get the ones that are free of hormones — we clearly have enough of those raging inside of us already.

As you allow the sweet torture of my mystery shopping trip to wash over you, I will revive yesterday’s Chinese leftovers for a meal that will really make you salivate. Do you want your moo shu shrimp warmed slowly and lovingly in the oven, or given to you quick and dirty from the microwave? You can have it any way you want.

Hold on, baby, that’s not all I’ve got. Pour yourself a glass of wine as I sew on all your missing buttons nice and tightly and water the plants until they scream for mercy. Watch me plow through your taxes and plunge into the dog food bag to feed little Sparky.

Just when you think I couldn’t get you any more riled up, I’m going take out the trash. Watch as I ruthlessly recycle a year’s worth of Dwell magazine and pile up our plastics until their designated container is ready to burst. Then, I’m going to run the composter until you pant, breathlessly, “You’re making me so turned on!” Though this confession will actually been directed at a rerun of “Charlie Rose,” I’ll know your heart (and loins) are in the right place.

Finally, I will slink into the bedroom, lay out some lingerie, lean into our freshly made bed and we will totally have sex tomorrow.

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Manchester United squared off against Everton this past weekend, continuing their campaign to finish in the top four of the English Premier League table. Although, they were favorites to win the match, they were unable to replicate their winning form, falling defeated for the second week in a row to the resurgent Merseyside Blues, who are now undefeated in their last six matches.

Louis Van Gaal’s selections were again affected by injuries this week to Phil Jones and Michael Carrick. Paddy McNair replaced Jones and Daley Blind was started in place of the calm, collected Carrick. Usual starters adopted the other spots in the lineup as David De Gea started in goal, Antonio Valencia, Chris Smalling, and Luke Shaw rounded out the back four; Juan Mata, Ander Herrera, Marouane Fellaini, and Ashley Young comprised the rest of the midfield, and Wayne Rooney started in the lone striker position.

It was almost immediately evident that the day would be Everton’s as United’s defense appeared disjointed and unsettled. In the fifth minute, an Everton counter attack began from their 18-yard box. The goal-scorer James McCarthy received a through ball at the edge of the United box, dribbled in between two weak challenges from McNair and Blind, and struck his shot past David De Gea. Shortly after, Fellaini was gifted a chance to equalize, but squandered it by striking his shot way over the bar.

For the second week in a row, United dominated the possession in the game, but also unfortunately were not able to convert possession into goals. A well-worked possession led to a chance for Daley Blind. His shot required a save, but did very little to challenge Everton’s goalkeeper, Tim Howard.

Everton lengthened their lead on a corner kick that was earned on yet another counter-attack started by right back Seamus Coleman. Leighton Baines delivered a wonderful cross to the near post that was headed well to the far post by John Stones. It was nearly headed off the line by Ashley Young, but the winger’s efforts were ultimately futile on Stones’ brilliant header.

With the lion’s share of possession, there was a genuine hope and belief that United could get back into the game with at least one goal. Radamel Falcao’s inclusion into the game certainly added more excitement to the attacking front, but still United were unable to find the goal.

United’s backline, however, seemed to have given up as Everton’s third goal seemed to evidence. An in the air through ball was played, as the Red Devil’s defense stepped up and drew off Romelu Lukaku. The ball, however, did not go to Lukaku, it seemed to have a mind of its own, skidding perfectly into the run of Kevin Mirallas. The United backline completely shutdown on the pass, disregarding Mirallas’s run, hoping for an offside whistle. Mirallas took up the ball and dribbled into the box to take his chance well, leaving no hope for De Gea and putting an emphatic end to the game.

United’s back-to-back defeats in the past two weeks marks the first time this season that they’ve been defeated twice in a row. The result places United in fourth place in the league table, but most importantly, seven points ahead of Liverpool and Tottenham. United need six points in order to clinch at least a fourth place finish over these team, which should be relatively easy to accomplish in their last four matches. There may be some bad news on the other hand involving the health of Wayne Rooney, who was noticeably hampered by an injury he sustained in the match against Everton, prompting a substitution. His health will be a huge concern to the Dutch manager, who will hope his side can return to their goal scoring ways. They have a great opportunity to bounce back against West Bromwich Albion on Saturday at Old Trafford. The game will be aired on CNBC at 12pm.

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