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Love to play games online? If you, like many girls, love playing dress up games online, you might be missing out on another huge angle of the game. Sure you know how to click and drag clothing over for your doll base to wear on the computer screen, but have you ever considered playing dress up games with your friends at your house or at the mall?

Dress Up Games at Home

If you've ever gone through your closet to see what still fits and what looks good together, you've played a version of this dress up game. The next time you have an itch for fashion, head to your closet instead of your computer. Pull out everything you own and put it on the bed or floor. Then start trying things on.

Your first goal is to find anything that doesn't fit anymore or that is totally unflattering. Throw those in a pile to give away or modify. You might be able to cut off pants that are too short and make capris or shorts instead, for example. Your next goal is to break up your current favorite outfits and see how many new ones you can create. If you need to, start with jeans and try on all your tops. Then leave on a particularly funky top and see how it matches up with various skirts, shorts and pants.

Keep playing until you've paired up all kinds of things, possibly even everything you own to find the most fabulous and unusual outfits. Make a note of the new pairings in your mind so that you can use them when you go back to school, and also make a note of things you might be missing. This means look for items that would really make an outfit pop that you don't already have.

You might pull on your jeans and a shirt and think, "Man! I wish I had some great red boots for this." Then you know what to look for the next time you go shopping. And speaking of shopping, it's time to find dress up games to play at the mall.

Dress Up Games at the Mall
When you're shopping, you're playing a dress up game already. The best thing to do, however, is to give that game more structure and share it with friends. Here's one idea of a dress up game you can try.

Instruct everyone to bring $20 to the mall. Obviously this isn't enough to buy even a t-shirt, but that's what makes the game so much fun. Tell your friends they have three hours to spend their $20 to make a complete outfit. They shouldn't use anything they are wearing now except shoes and underwear, but they might be able to get new shoes, too - if they really know what they're doing.

Of course, the goal of the game is not to buy cheap, ugly clothes. You should be looking for great styles that just happen to be on sale. Then snatch them up and meet your friends. Everyone heads back to your house for the unveiling. Transform your bedroom into a dressing room where everyone gets ready in their new outfit and does a bit of make-up and hair. Then, when everyone is ready, the $20 outfit contest begins with the best outfit winning bragging rights.

Lisa Park is a 23 year old author and a blogger. She loves to surf the net, watch movies and listen to music. Regina Spektor is one of her favorite pianists. Playing dress up games is also one of her favorites. To find out more about her just drop by her site

There is no easy answer as to whether a life insurance policy should be put into a trust. The best answer is that it depends on your individual situation, the size of your estate, and what type of trust you are considering.

For example, if you're single, and your net estate, which is your assets minus debts, is less than $1 million dollars, you may not need a trust, or you may want to put your life insurance into an irrevocable life insurance trust (ILIT). If you're married and your net estate is less than $2 million dollars, you may choose either a living trust, an irrevocable life insurance trust, or no trust at all.

There are two types of trusts that I will discuss; a living trust or an irrevocable life insurance trust. There are benefits and drawbacks to both trust instruments.

A living trust is an estate planning tool that allows you to manage your assets while you are alive and pass them down to your family upon your death without the need for probate proceedings.

A living trust has a Trustor (also called Grantor), which is the person who owns the trust and transfers property into it. A trustee is the person who receives the assets on behalf of the Trustor. It is possible with a living trust, to be both the Trustor and the Trustee. There is also a beneficiary which is the person or persons who benefit from the terms of the trust. Since this is a living trust, you can be the primary beneficiary during your lifetime, therefore making you the Trustor, Trustee, and the Beneficiary.

In addition, living trusts normally have instructions for managing the assets during your life, and instructions on what happens when you die.

A living trust is revocable. This means that you can change, amend or end the living trust at any time during your life.

Because right now there are no estate taxes on an estate worth less than $1 million if you are single, and less than $2 million if you are married, a living trust may be a good place to put your life insurance policy. But there is another option.

An irrevocable life insurance trust is an estate planning tool designed specifically for life insurance polices. If you have a substantial net estate that is going to be subject to estate taxes, an irrevocable life insurance trust might be a good option. Because a life insurance policy placed in an irrevocable life insurance trust no longer belongs to you, it can not be included in your taxable estate.

There are some major drawbacks to an irrevocable life insurance trust. For example, once an irrevocable life insurance trust is created it cannot be changed, amended, nor ended during your lifetime.

Secondly, you cannot change the beneficiary of your life insurance proceeds in an irrevocable life insurance trust. So, for example, if your spouse is the named beneficiary in your irrevocable life insurance trust, and you got divorced, your ex-spouse would still be entitled to your life insurance proceeds.

Also, if you have an existing life insurance policy and place it in an irrevocable life insurance trust, but die within 3 years of the transfer date, the trust will not be protected from estate taxes.

The truth is once you have an irrevocable life insurance trust you are committed to it for life, there's no turning back. If you're not sure you want this life insurance policy the rest of your life, than an irrevocable life insurance trust may not be the way to go.

The bottom line is this: if you are thinking about putting your life insurance policy into a type of trust instrument, you will want to consult with your accountant, financial planner, and/or an experienced attorney. The laws regulating certain trusts vary from state to state, so you might want to make sure you have all the facts before entering into such a document.

Each individual's financial situation is different, so it might be wise to gather all the information you need to make an informed decision and then decide if you need to speak with a qualified professional.

The one thing that is for sure is that there is no need to pay more for life insurance than you need to. You should compare life insurance quotes from at least 3 different companies before you choose a policy.

Get started finding the best life insurance today!