February 24, 2016

Debt relief options: Understanding various forms of Debt Relief

 

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While some of us can responsibly deal with our debts, it is common to find a few people are drowning in unmanageable debt. There are individuals who found themselves in this situation due to spending imprudently. However, others are in unmanageable debt due to circumstances beyond their control. They include medical emergencies, unemployment, and other changes that were not predicted.

Monthly payments for credit cards, student loans, and mortgages can become burdens we are unable to cope with. Essentially, these debts are the reason why we live from paycheck to paycheck on a hand to mouth shoes string budget.

However, there are debt relief options that you can use to manage your debt and live a more organized lifestyle.

Debt relief services include:

  • Debt settlement
  • Debt consolidation
  • Debt management plan
  • Credit counseling
  • Bankruptcy

The above services are costly and often involve plenty of paper work. The terminology used in these services is complicated and unfamiliar to our daily lives. That is why you need to leave debt relief settlement options to professionals.

Debt settlement

Debt settlement is also known as debt negotiation or resolution. It involves a settlement company bargaining with your creditors the lump-sum settlements that you owe them. The principle used in debt settlement is reduction of the principle you own and the eventual settlement of the debt. The advantage of using debt settlement companies is that they have experience and expertise dealing with your creditor. You are assured that you will not find any hidden surprises that you may miss out when trying to settle the debt on your own.

The disadvantages of using debt settlement countries are that it is hard to find the right company. Additionally, it is costly to use the services of debt relief companies.

Debt consolidation

Debt consolidation is taking another loan that you can use to consolidate and pay off all other debts. The scenario is similar to “borrowing from Peter to pay Paul”. Debt consolidation seeks to combine all debts into one manageable monthly payment that helps reduced interest rate on the debts when not combined.

Advantage of using debt consolidation companies is that they are trained to find you the lowest monthly payment that is available through expert negotiation skills with the lenders. They are also experienced and trustworthy when dealing with money lending financial institutions.

There are two disadvantages to dealing with debt consolidation services. Some of the more successful debt consolidation companies charge you highly for their services and require a certain percentage of the money that they help you save. Additionally, finding a dependable debt consolidation company takes time, and some research.

Debt management

Using a debt management program, you can handle credit card bills, student loans, medical bills, unsecured credit lines, and department store cards. Essentially, you are looking to reduce monthly payments by gaining reprieve from interest rates. Late fees or penalties from creditors can also be prevented by using a debt management program.

The advantage of a debt management program is that it is efficient and organized, improves your credit score, and helps create a realistic budget. The only disadvantage is the enrollment and maintenance fee.

Credit counseling

You can work with credit counseling agencies to review your budget and help evaluate your debt relief alternatives. The advantages of using credit counseling agencies is that; most of them are free, they use certified counselors who arm you with practical knowledge on debt management and budgeting. Additionally, credit counselors make use of more than a phone call to sort out any financial issues you may have. However, it is always important to do your research as not all credit counseling agencies hire certified counselors.

Bankruptcy

In case your debt situation is dire, then you can file for chapter 7 bankruptcy. This procedure cancels your debts. Chapter 13 bankruptcy helps you set up a long repayment plan. The main goal for bankruptcy is giving you a fresh start from debt burdens.

The advantages of using bankruptcy as a debt management option include

  • Having professionals who understand the legal jargon
  • Having protection from creditor harassment
  • Having help with paperwork

The disadvantages include the attorney cost that you will incur. In addition, there are the legal fees that you have to cough up and the research you need to do in order to get the best attorney. Ensure you use referrals from friends, family members, and credit counselors you may know.

Author Bio

is a corporate tax attorney and credit counselor who specializes in helping people with their debt problems. In order to know more about debt relief and other services offered by Simon, you can find his articles on debt relief online.

 

 

 

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February 23, 2016

SOS Drink Mix, Stay Hydrated my Friend

SOS

By Lisa Gal

Doctor formulated with 3 times the electrolytes than normal sports drinks, SOS re-hydrate is 100% free from artificial additives and only 10 calories per serving! Great for literally anyone with an active lifestyle. SOS is being called the first drinkable IV.

Dehydration is the number one cause of daytime fatigue and SOS has done their homework. When compared to 8 other electrolyte drinks (including Gatorade and Coconut Water) SOS leads in every category. Fewer calories, less sugar, nothing artificial and no preservatives. Just real hydration.

We are thrilled to offer SOS Rehydrate in The Four Seasons Hotel Beverly Hills gift bags this Red Carpet weekend. SOS will help them recover from a long night of parties the talent will attend. They have prime placement in our bags!

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February 23, 2016

Sebamed might sound medicinal but its really magical

 

 

713EKzHFcuL._SL1500_Sebamed might sound medicinal but it’s really quite magical. I still reach for my tube of Sebamed Hand and Nail Balm which has done wonders for my hands especially my cuticles. It’s one of my favorite hand creams that I love. I feel the same way about Sebamed Liquid Face and Body Wash. Sebamed‘s line of skin care products truly live up to its name. Knowing that Sebamed Liquid Face and Body Wash is a 2 in 1 and can be used for your face and body makes it very appealing. Sebamed‘s unique formula is soap-free with a pH value of 5.5.  What does all this mean? according to Sebamed, “a ph value of 5.5 matches the acidic pH level of healthy skin, and is clinically proven to promote the development of the skin mantle”.

I’ve never used a body wash like this before. Sebamed Liquid Face and Body Wash has a light refreshing fragrance and offers deep cleansing of your pores while providing a gentle cleaning of your skin. The result? Smooth, soft and well-moisturized skin. I squirt some in a loofa and cleanse my entire body including my face. No need to reach for a separate face cleansing product. Sebamed Liquid Face and Body Wash has you cover from head to toe, literally. I do have to mention that when Sebamed is not in the shower, I am using it to wash my hands. I love the smell and I love how my skin feels even more.

Besides restoring your skin to its healthy 5.5 pH, let’s take a look at more of Sebamed’s features:

Sebamed Liquid Face and Body Wash is suitable for all skin types, even problematic skin; Is hypoallergenic, biodegradable and free of parabens, soap, alkali, gluten and yes, Sebamed is cruelty-free! Take a look at the 10 ways to use Sebamed below. When you think about it, Sebamed is truly a medicine for cleansing.

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Sebamed can be found in major retailers and drugstores nationwide. Visit Sebamed to learn more.

 

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February 21, 2016

LUSH’s Tea Tree Water will leave your face bright, clean, and beautiful.

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Tea tree oil is great for your hair and scalp, treating infections, treating Psoriasis and Eczema, and many other things; but in this case, it’s great for cleansing your skin and fighting acne. Over the past few months I have been using LUSH’s Tea Tree Water toner and I have had great results. After I wash my face in the morning, I use a few sprays, and a few sprays at night before I go to bed. Since using it, I’ve noticed that my skin has has less redness, appeared brighter, and have had less breakouts. And it’s insanely refreshing! using it in the morning really helps you wake up feeling energized, clean, and fresh. Also, the Tea Tree Water is alcohol free to keep your skin clean without drying it out and causing discomfort. And it’s really great for anyone that has sensitive skin like myself, it’s powerful enough to fight acne and oily skin, but also gentle enough to use multiple times a day, it’s great! What I really love about this company is that they use fresh ingredients in every single product. Every single soap, bath bomb, body scrub, shampoo, makeup, toner water, etc. is handmade by someone and then gets packaged in 100% recycled materials, and it’s also vegan and animal cruelty free! So it’s perfect for anyone that is looking for a humane way to better their skin, but also the environment. So if you ever find yourself close to a LUSH cosmetics store, stop in and give Tea Tree Water toner a try!   lush.com

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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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