Cum join the team!

http://groups.google.com/group/provocative-wave-for-men

Provocative Tiger Woods

Provocative Thought

When the occasion is piled high with difficulty, rise with it. Think anew and act anew.

New in 2010 for PWFM

Hanging Nude with the hot dudes!

PWFM 2010

What is your New Years Resolution?

PWFM 2010

Johnny or Zach is your favorite?

Men and Money

Tricky Ways Credit Card Companies Are Getting Around New Laws

By now you may have heard of the Credit Card Reform Act. Its aim is to help consumers, but credit card companies are socking it to their customers every way they can think of until it takes effect in February. According to CNN Money, these companies are coming up with tricky ways to boost profits and get around the new rules. Here are some things to watch out for:

• Rate hikes. Interest rates have gone up over the past five years, to as high as 36%! There’s no law that caps rates, but the Credit Card Reform Act will help curb abusive practices. After next February, companies won’t be able to raise rates on existing balances, but you will be subject to higher rates if you miss a payment. Companies can raise rates as high as they want on new purchases. The best thing to do is to pay down your balances as quickly as possible and make sure you avoid late payments.
• New fees. The rates aren’t just going up, they’re multiplying. Cardholders are getting hit with fees they’ve never seen before.  For example, some banks are now charging an “inactivity fee” for customers who don’t charge anything for a year. So if you have cards you don’t use, you might want to think about cancelling them.
• Higher minimum monthly payments. Some companies have bumped up minimum monthly payments from 2% of the balance to 5%. If you’ve got a $5,000 balance, that’s a big increase – from $100 to $250. This really hits people on a tight budget who’ve barely been able to pay their minimum payments, because each time they don’t make the minimum, they rack up another penalty fee.
  
  

So pay close attention to the terms of your contract, and to your accounts. If you don’t like your credit card’s new terms, you can always look for a better company and transfer your balance.

Provocative Football

Who is this hot sexy stud?

Cool Boating!

Provocative Tennis Nude

Provocative Nude Mike Doyle

Stud & Strength

Weird Body Oddities

Let’s face it: From random Charley horses in your legs, to ice cream headaches in your brain, your body does strange things sometimes! So, let’s unravel the mystery behind some of your weirdest body oddities, with intel we found on WebMD.

• The first body oddity: Brain Freeze. That’s the temporary headache you get when something cold touches nerves in the roof of your mouth. The cold causes nearby blood vessels to constrict, which produces a sudden, throbbing pain at the front of your head. The fix? Press your tongue to the roof of your mouth. That’ll help warm the cold spot enough to “unfreeze” your brain.
• The next weird body oddity: Tonsil Stones. Those are the small lumps which form when bacteria or mucous get trapped in the pockets of your tonsils. The stones can leave a bad taste in your mouth, and make it uncomfortable to swallow. Experts say they’re almost always harmless. They’ll either go away on their own, or you can have your doctor remove them with a cotton swab.
• The 3rd body oddity: Charley Horses. That’s the term some people use for the cramping they feel in the muscles of their legs after exercising. Experts say it’s caused by a combination of things – including dehydration, muscle overuse, or a lack of nutrients in muscle tissue. So, try drinking water as you slowly walk around and stretch your legs. That’ll get nutrient rich blood pumping back into your muscles.
• Here’s one more body oddity: Black Hairy Tongue. While it’s very rare, some people get bacteria lodged in the tiny bumps on the surface of the tongue, and over time, those bumps grow until the tongue looks black and hairy! Experts say black hairy tongue is an extreme result of poor oral hygiene. So the easiest fix is to brush your teeth more often, and spend extra time brushing your tongue. Also, try rinsing your mouth with a mixture of water and hydrogen peroxide. That’ll help kill the bacteria that cause your tongue to turn black.