February 21, 2016

Everything You Need to Know About Debt Relief Service

 

 

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In case you are reeling under ever-mounting credit card debts and you are not able to work out an effective repayment plan independently, with your creditors then, you must consider getting in touch with a reliable debt relief service such as credit counseling, or debt management or debt settlement or debt consolidation. Depending entirely on the kind of service, you would be getting appropriate advice on ways to deal with your ever-rising bills or come up with a plan to repay your creditors.

Before you initiate any business transaction with anyone of the debt relief services, you must check out the credentials with the State Attorney General as well as the local Consumer Protection Agency. They would be able to inform you if any consumer complaints are filed against the company you have shortlisted and thinking about doing business with. You must find out from your State Attorney General if your chosen company needs to get licensed for working in your state and if yes, then find out if the company is at all licensed.

If you are considering seeking assistance for stabilizing your financial situation, you need to do proper homework right at the very beginning. It is important to know how time-consuming the entire process would be and when you would be able to achieve the outcomes promised by the company. Never rely solely on verbal promises. You must make sure that you have everything in writing and remember to read the contract very carefully.

Credit Counseling

Renowned credit counseling companies are highly competent and are capable of managing your debt and money efficiently, helping you in chalking out a budget and offering free workshops and educational materials. They take immense pride in their team of qualified and fully certified counselors, who have specialized in consumer credit and are trained for helping you with budgeting, managing money matters, and debt management. Counselors would be discussing all aspects of your financial condition and assisting you effectively in developing a personalized plan for solving your money issues and coping with your financial crisis.

Debt Management Plans

If your financial crisis is the result of excessive debt or your helplessness and incapability to make repayments, then a credit counseling agency would be recommending a DMP (Debt Management Plan). Do not consider signing up a plan without certified credit counselor’s review and advice. A credit counselor should devote sufficient time toward studying your financial status and he should come up with customized advice regarding money management.

Debt Settlement Programs

For-profit companies usually offer debt settlement programs. These involve negotiations with your creditors and the arrangement of a “settlement” deal. You have to pay a single lump sum which would be lesser than the full amount you owe them, instead of the monthly payments. The payment mechanism of this lump sum is simple. You set aside a portion of your earnings every month into an escrow savings account till you have the requisite sum.

Debt Consolidation

Another effective and popular method to slash costs of credit is debt consolidation by using a second mortgage or creating a line of credit through home equity. An unfortunate consequence of the same is the fact that you will have to put your home or property up as collateral and could end up losing it if you don’t pay your dues. Also, any consolidation loan has a substantial cost involved. Besides the interest you will have to pay, there is also a point system added on, each point being one percent of the amount you borrow. Still, these loans may provide certain tax advantages that are not available with other kinds of credit.

Exercise Caution When Searching for Any Debt Relief Solutions

You must check the credentials of the debt relief company.

  • Do not opt for a debt relief firm that charges some fees even before settling your debts or entering you into an effective Debt Management Plan.
  • Stay away from an organization that insists on voluntary contributions.
  • Steer clear of false claims or ones which look too good to be true, like some firms who claim to work like magic and make your unsecured debts disappear, promise to settle the debts for ridiculously low prices, or remove the possibility of lawsuits or collection calls.
  • The firm must have an analyst who is ready to cover all the bases with you and show you the basic tips and tricks of wealth management and budgeting. Stay wary of firms who want you to enroll for a DMP immediately on joining.
  • Ensure that the firm you have hired keeps you in the loop. If they ask you to stop communicating with the creditor altogether but never update you on any progressions in the deal, there could be some foul play involved. You should be informed of any developments, potential risks or issues.

Never deal with firms who are not upfront with the services they offer. If they want your financial information or hefty sign-on fees before even letting you understand who they are, they probably aren’t the best people to deal with.

Author Bio: Blake Wilson is an experienced financial consultant, who is currently attached to a debt relief company. He is an avid blogger, who keeps his followers happy with his interesting and knowledgeable posts.

 

 

 

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February 18, 2016

Joey Healy tells us how to get Selena’s “IT” BROWS

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Shop Joey Healy

 

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February 16, 2016

Celebrity Makeup Artist, Lisa Aharon, created Florence Welch’s 2016 Grammy Awards look

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Celebrity Makeup Artist, Lisa Aharon, created Florence Welch’s 2016 Grammy Awards look with the help of Burt’s Bees. Here, Aharon shares how to get Florence Welch’s red carpet look.

Aharon first began by prepping Florence’s skin with Burt’s Bees Repair Serum, to instantly revive her skin. She then used Burt’s Bees Garden Tomato Toner to cleanse Florence’s skin. In terms of hydration, Aharon combined the Burt’s Bees Repair Serum with Burt’s Bees Sensitive Daily Moisturizing Cream for light moisture that’s less reflective on camera. Lastly, she provided a few dabs of the Burt’s Bees Brightening Eye Treatment to hydrate the delicate under areas to complete the skin preparation.

For the lips Aharon began by scrubbing Florence’s lips lightly with a Burt’s Bees Sensitive Facial Cleansing Towelette with Cotton Extract. This helped slough off any dead skin so that Burt’s Bees Ultra Conditioning Lip Balm with Kokum Butter would then be absorbed properly. This helped prepare the lips, so that lipstick would go on smoothly and evenly. To complete the lips, Aharon applied Burt’s Bees NEW Lipstick in Iced Iris as the perfect shade to complete her look.

www.burtsbees.com

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February 15, 2016

Hard Candy Shadow Spheres are Baked just right

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I recently tried  some of Hard Candy Shadow Spheres Baked Eyeshadow pallettes, and I have to say that I am so impressed with them. First of all, each pallet comes with 10 colors, two applicators, and a mirror for on the go use. Each color can be used dry as an eyeshadow or wet, to use as an eyeliner to create a smokey effect. This is the first time I’ve ever heard of using an eyeshadow wet, so I thought it was really cool and also useful. Okay, when I first tried the eyeshadow out the first thing I noticed was how a little of this product can go a long way. Usually, it takes multiple coats of my normal eyeshadow to achieve the look I want, but with the Hard Candy pallettes I only needed one coat, which was a refreshing change from my average 3 coats. After I was done applying in the morning, I ended up wearing my makeup all the way into the night and I can’t complain, it lasted me literally all day and still looked really great without any smudging. And lastly, I don’t know about you, but I’m always on the hunt to find makeup and other products that are animal testing free, so when I found out this company didn’t test on animals I was so happy and also gained a lot of respect for them as a business. With all this being said, I really encourage you to give these Hard Candy eyeshadow pallets a try, they’ll have you looking incredibly beautiful!

Hard Candy Cosmetics can be found at drugstores nationwide

Look for Hard Candy’s make-up line, accessories and how-to-videos at Hard Candy

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February 15, 2016

Try the New Dove Dry Antiperspirant Spray..You don’t know what you’re missing

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Have you tried Dove’s New 48-Hour Dry Spray Antiperspirant? If you haven’t, you don’t know what you’re missing. Dove Dry Spray Antiperspirant has many advantages; You will stay drier longer than the average antiperspirant…48 Hours longer, the spray goes on dry so you don’t have to wait to get dressed and it controls odor all while keeping your skin soft and smooth.

Dove’s New  48-Hour Dry Antiperspirant is available in 8 great scents.  They all offer 48-hour odor protection and go on your skin instantly dry.

For softer skin and a fruity floral scent, try Dove’s Beauty Finish Dry Spray Antiperspirant.

Soothing Chamomile Dry Spray offers a combination of Dove ¼ moisturizers and vitamins E & F, it helps soothe underarm skin.

Clear Tone Skin Renew Dry Spray Antiperspirant offers the same moisturizing effect and has a light fragrance of watermelon and pear mixed with violet, rose and sandalwood.

Sensitive Skin Dry Spray Antiperspirant  contains moisturizers for ultra sensitive underarms.

If you like the scent of cucumber and green tea, you will love Cool Essentials Dry Spray Antiperspirant. 

Revive Dry Spray Antiperspirant has a fresh fragrance of pomegranate and lemon verbena.

Original Clean Dry Spray Antiperspirant has a light and fresh scent and suitable for the whole family.

Nourished Beauty Dry Spray Antiperspirant has a delightful  fragrance of citrus and apple mixed with a floral powder cream.

There are so many scents to choose from all with one great formula from DOVE.

For more information on DOVE and to find a retailer near you, please visit Dove.us

 

 

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February 10, 2016

Beautiful You

Dori botanical skin careBeautiful, youthful, glowing skin can be yours again. Dori Revitalizing Day Crème is made with a combination of natural extracts that do astonishing things for your skin. Dori Botanical Skin Care was founded by Diana West, Naturopathic Physician, Medical Herbalist, and trained Chemist. She set out to create an all-natural effective skin care product that could deliver genuine effective results and by golly she did it!!! This product boosts skin functions that we lose after a certain age, improving dehydrated skin that has lost its elastin and looks dull. You have to try Dori Revitalizing Day Crème for yourself. You will notice right away that your skin is radiant! Go ahead get that beautiful, youthful, glowing skin again!

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February 9, 2016

Be Brow-mazing

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Want to know the secret to beautiful brows? It’s a Get Threaded exclusive product called Brow-mazing™, which transforms your brows with the most comprehensive brow range in the world.

Our products are 100% Australia owned, water resistant and last all day, formulated, produced and packed FREE from Ferric Ferrocyanide, Animal products, artificial dyes, FD&C colours, Talc, Carmine (also known as Cochineal), Bismuth Oxychloride, Mineral Oil (and its derivatives) and paraben preservatives.

With a range that includes brow dusts, brow dust creams, brow illuminator, brow gel and the must have brow lover brush, your brows will wow once you have your very own personalized ultimate brow kit.

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February 8, 2016

Your perfect gift is waiting to be created with Metal Pressions

 

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It started out as a thought. Then it was a creation of my very own. Actually, I did have a little help from this amazing website, Metal Pressions. Owners Andreas and his wife Elisha (the inspiration behind Metal Pressions) established this unique business in 2008, offering fine personalized jewelry. Their jewelry is hand-crafted to your specifications so it is very unlikely you will find millions of people wearing your exact piece of jewelry. You probably won’t even find one person wearing it because your jewelry creation will be one of a kind, created by you.

At Metal Pressions, creating your piece of jewelry is easy and fun.

First, you will select your product, pendant, chain, necklace bracelet charms, ring, gems etc.

Next, you will choose your material such as silver, gold, rose-tone, it’s your choice. l then select text for personalization and stamping.

You will then select text for your personalization and add to your piece whatever else your heart desires.

My piece (shown above) was created with the help of Andreas and after he worked with me on the creative process, alas, my pendant was complete. I couldn’t have asked for a more charming sentimental piece honoring my 4 children. If you need a little help with your creative process, there are professional metal crafters on the site to help you and guide you through the steps.

Metal Pressions also gives you the opportunity to purchase merchandise already created and waiting for you on their website.  Men’s and Women’s jewelry, as well as exceptional Bridal gifts are among many exquisite handcrafted jewelry pieces available for purchase.

When my piece arrived, I was excited to show my creation to my husband. He liked it very much and was impressed with the piece knowing I didn’t drop into the nearest jewelry store and buy it on the spot. I told him I created it on Metal Pressions and he even added a few of his own ideas. Well, it’s too late to add to this piece but It’s not too late for Mother’s Day and Father’s Day to create another piece.  It also got me thinking, what a great idea for my children to collaborate and create a piece for their grandmother and/or grandfather.

The personalized intricately crafted pieces can be worn by anyone and created by anyone. There are no limits to what you can create.

Andreas stated himself “We knew early on that creating amazing jewelry isn’t enough to be successful. Our customers want an incredible shopping experience. From the hand drawn images our customers sent us, we realized they wanted to be a part of the design process and know eactly what they were going to get before they purchased. The idea was born then, when we were just starting out in our garage. Now everyone can design their own jewelry.”

You can start designing your own jewelry by going to metalpressions.com and let your imagination take you away.

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February 8, 2016

I can’t get enough of my Pura Naturals

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I can’t get enough of the Pura Naturals soap infused sponges. The Pura Naturals charcoal infused sponge was a fabulous facial sponge, I really loved it. My husband did too and took them for himself. Now, he wants my Pura Naturals Citrus Splash Nourishing Body Bar (Sponge) too! Really!!

What is so special about the  Citrus Splash Nourishing body bar? It is the perfect Soap sponge because the soap is infused in it and exfoliates at the same time. No abrasive microbeads are contained in the bar. The sponge is thick and perfect for your body. You will cleanse with hydrating and soothing oils including coconut, soybean and sunflower seed oil among others.

The sponge itself is quit unique. As stated by Pura Naturals,  “Pura Naturals, created from the same unique foam approved by the U.S. EPA to clean sensitive waterways, performs like no other personal cleansing product.”

You can find Pura Naturals soap infused sponges at select CVS, Wegmans and Harris Teeter stores as well puranaturalsproducts.com

 

 

 

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February 7, 2016

A Word from the experts on Investing in Real Estate in Stowe

 

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Real estate is a difficult world to understand, and as a layman, you need someone to hold your hand and show you the ropes. Real estate in Stowe, Vermont has recently experienced an all-time high due to the great returns that some of the investors have made and have testified to. Stowe is located in an ideal area in the United States where real estate companies have profited in the purchase of areas for the popular ski resorts and mountain resorts.

In this high stakes industry, you need experts to help you along the way. Below are some important facts straight from the mouth of the winners in real estate Stowe, Vermont. It is important to note them down before you embark on real estate as an investor.

  •         Due diligence– you must confirm, research and find out everything about the property you are interested in. Try your best to obtain all information possible about your potential investment. Information such as the history of the property, potential future income and capital costs should be well understood and at your fingertips.
  •         Do not try to reinvent the wheel– What I mean by this is that you should follow the footsteps of the ones who have already made it in the real estate world. Talk to the experts and more so the winners. Do as they did. There is always a formula to success in every niche and it is simple to find out what the secret to real estate is.
  •         Collaborate with the right people-Partnering with the ideal real estate firm or agent can make or break you in the investment sector. A reliable and honest partner will be able to advise you on the steps you need to take in order to succeed. More importantly, investigate their track record before you collaborate fully with them.
  •         Never trust the spoken word– Although many deals are made and closed verbally, it is advised that you put everything in writing. Everything concerning your investment, such as leases, amendments, notices, addendums and even general communication should always be written down and where necessary acknowledged by all parties involved. This will avoid future conflict situations and lead to better understanding and referencing.
  •         Location, location, location– Those are the three golden words in real estate and are especially important to an investor. Location always relates to home value. It can have a great impact on your investment risk. Most people look at making a good deal based on square footage and property characteristics forgetting that location is the most important factor to consider

Buying and selling of homes has become more than what you see on the surface. The real estate industry is in fact a multi-million dollar industry in the United States of America alone. Investing in this industry has become an increasingly popular prospect for most Americans especially over the past fifty years. It has become a very profitable investment vehicle since it presents a large array of opportunities. You must however seek advice from the experts as owning real estate is a lot more complicated than investing in stocks and bonds.

 

 

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