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

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 22, 2016

10 WAYS STRESS IS WRITTEN ALL OVER YOUR FACE

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According to Dr. Sanam Hafeez Psy. D, Neuropsychologist, Colombia University Professor and Founder of Comprehensive Consultation Psychological Services in New York City; stress is written all over our face and can result in looking years older when stressed for prolonged periods of time.

Dr. Hafeez whose expertise is in understanding neural pathways as they respond to anxiety, stress and trauma explains that how we think directly impacts how we age and how youthful we appear. The routine stressors in our lives really impact how fast or slow we age. When stressed, we see it in our skin tone, texture, elasticity, and over all glow.

“When someone is under stress they can appear up to 5 years older, 10 years if they don’t manage stress or make changes to their lives. Stressful relationships and careers age people. I have seen patients end relationships or get new jobs and look 10 years younger within days. People are spending money on creams, facials and cosmetic procedures but if the stress is still there it will still show on their face,” offers Dr. Hafeez.

Here are Ways Stress is Written All Over Your Face

1. You have dark circles. Stress results in blood flow to main organs plus capillaries under eyes are fragile and break under stress leaving your face looking sallow and tired. Dark circles seem more apparent.

2. Mini-Menopause
The jury is still out on exactly how or if this is possible, but it appears that the constant flow of cortisol that goes along with chronic stress causes a dip in estrogen, one that mimics, on a smaller scale, the dip that occurs during menopause. Less estrogen means less collagen and less moisture. So, while estrogen levels may not drop enough to shut down your period, stress may make them dip enough to make your skin look dull and dry.

3. You notice more wrinkles. Life’s stress due to divorce, death of loved one, job-loss, financial concerns; impacts our brain chemistry. When we feel sad or anxious, are crying or not sleeping well it’s common to see deeper lines around the middle of the eyes, forehead, under eye area and mouth.

4. You itch, flake and even have hives. Stress leads to inflammation which may lead to rashes, rosacea, eczema flare ups and changes in skin moisture.

5. People ask if you’re feeling okay. When the Starbucks barista or guy at the dry cleaners asks if you’re feeling okay, pay attention. These people may not know the details of your life but they know how you look because they see you quickly.

6. Under-Eye Bags: Tomorrow’s to-do list can weigh on your mind, keeping you from getting enough beauty sleep. This can cause fluid to pool below your lower eyelid area, and what you end up with is a puffy mess in the a.m. Stomach sleepers, bad news: You can expect the puffiness of your under-eye bags to be even worse because of gravity.

7. Increased jaw size – Heavy jaw
Grinding teeth and clenching of the jaw are common symptoms of stress. Unfortunately, these habits can cause the jaw muscles to work overtime. This can result not only in damaged teeth, but also a heavier than usual jawline, as the muscles become larger with the grinding action.

8.Hair Loss
Stress can cause sudden hair loss by literally flipping the switch on the hair follicle’s growth stage from an active to a resting phase. Once the follicle enters this resting phase prematurely, it stays there for about three months, after which time a large amount of hair will be shed. When you experience an overall shedding of hair, you must cast back a few months to find the trigger. Rest assured that in most women, this hair will grow back.

9. Adult Acne
Acne isn’t just for hormonally crazed teenagers. Many adults can’t seem to outgrow it because of stress hormones. What makes it worse is that tense people often can’t leave pimples alone. Squeezing, poking and picking at them becomes an almost obsessive way to release tension, but it also makes breakouts worse, exacerbating the inflammatory response, and you’re left feeling a bit more stressed. So no picking

10. Hormonal Mood Swings
There is a lot of interaction between hormone physiology and mood that works both ways. Our mood can impact our physiology, and our physiology can influence the balance of our hormones. If stress can sit at the top of a cascade of events that lead to undesirable hormonal changes in the body (like those that trigger insomnia, insatiable hunger and weight gain, and collagen breakdown), then what we want to do is find ways to gain the upper hand on our stress level and ensure that we keep all those hormones in check.

According to Dr. Hafeez, “The good news is that we can get to the root cause of our stress and manage it. When you notice changes in your facial appearance take inventory of what is going on in your life and what may be stressing you out. Simple things like sitting quietly for 10 minutes focusing on breathing, writing in a journal, exercising or taking a walk outside, reading, baking, painting, listening to music and reaching for an activity that takes focus off the stress is helpful. If you find yourself reverting back to the stressful issue consider therapy. Clearly there is a connection between how we look and how we feel and think.”

About Dr. Sanam Hafeez:
Dr. Hafeez is available to speak to media on a plethora of topics that connect stress, anxiety and depression and its negative impact on our wellbeing and physical appearance. She provides neuropsychological educational and developmental evaluations in her practice. She also works with children and adults who suffer from post traumatic stress disorder (PTSD), learning disabilities, autism, attention and memory problems, trauma and brain injury, abuse, childhood development and psychopathology (bipolar, schizophrenia, depression, anxiety, etc…) In addition, Dr. Hafeez serves as a medical expert and expert witness by providing full evaluations and witness testimony to law firms and courts.

www.comprehendthemind.com

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February 22, 2016

Miracle in a Jar

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My mother always said that your best accessory is your skin, so keep it healthy. The creators of Mirakle Cream believe the same thing. This skin cream is all you need in one jar. Not only does is help rejuvenate aging skin and fight those fine lines, but it can be put on burns and cuts to help with the healing process. Mirakle Cream can even be used to calm Eczema, Psoriasis and even the reduction of stretch marks. Visit the website Mirakle Cream and check out the wide variety of healing powers contained in this Mirakle Cream, they exist to treat, restore and transform skin.

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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 19, 2016

It’s a Malibu Times “Win it” with It’s a Glam Thing

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February 19, 2016

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February 19, 2016

How Not to Let Your Fashion Addiction Lead You into A Debt Trap

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For most of the people around the world, fashion is a harmless indulgence that makes them feel good about themselves from time to time. For many women (and men) fashion is a craving that refuses to be controlled. For those who are unable to resist the allure of the latest fashion line-ups so extravagantly displayed by seductive models across all the media, it can lead to an uncontrollable addiction that can have a multitude of very grave financial complications. However, the fashion industry, already raking in billions, can only hope to continue on their high growth trajectory by making people addicted to shopping for the latest.

The Fix of the Fashion-Junkie

The fashion industry incessantly attempts to reinvent itself and exert increasing pressure on its customers to keep up with the latest trends. The customers are usually at the end of very high-profile and seductive publicity campaigns that force them to try and emulate the idealized images of the rich and the famous in the ever-elusive quest for the perfect look. The incessant pressure forces women and a lot of men too, to buy expensive articles of clothing only to discard them at the end of the season and buy new ones coming into vogue.

Spending hard-earned money on clothes and fashion accessories is bad enough, but it is made far worse with the easy availability of personal loans, credit cards, and store cards. Millions have discovered that it can be very easy to succumb to the charm of fashion with a quick swipe of the card. It’s only when you end up spending far more than what you can afford that the dreamy look on your face can get somewhat fixed.

Manage Your Credit Card Use

If you have already accumulated a lot of debt on your credit cards, then it is time to take urgent action. Make a list of all the outstanding balances on each card and try and identify a credit card that is offering a zero-balance scheme. Switch all you debt into that card and stop using all the other cards immediately. Make sure that you pay off as much as possible before the zero interest period runs out. If you have other personal loans outstanding then it may be a good idea to find out more about bill consolidation loans that will make the task of debt management far easier by leaving you with just one loan amount instead of multiple ones.

How to Keep Your Fashion Addiction in Check

With new style appearing on the catwalks of the fashion capitals of the world every season, it can be really tough not to succumb to the glitz and glamour of the make-believe world with a simple swipe of the credit card. The Internet has also made it very easy for people to know what exactly is happening all over the world and to buy exotic stuff from specialist online retailers. Unless you keep a strict watch, it is very easy to get ensnared in a debt trap that will engulf you slowly but surely.

Fast Fashion – Is It For You?

The amount of money that you could be spending on items that remain trendy only for a few months and have no use thereafter could be substantial. You need to ask yourself whether it is important for you to stay on top of the fashion curve, because if the possessions are no longer in fashion after a few months, it might be wiser to stay away from them altogether or seek cheaper substitutes. However, apparels that stay perennially in the fashion such as tailored shorts, jeans, fitted pants, knitwear etc. you may wish to pay a premium for the quality as you would be using them for a long time.

Getting fashionable items from end-of-season sales can also be a very good idea for saving money as you can expect substantial discounts.

Author bio: Susan Brown is a personal debt counselor at a leading debt consolidation company. Passionate about personal finance management, she has written a number of articles on bill consolidation loans in the online media.

 

 

 

 

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February 18, 2016

Get The Best Beauty Looks From The GRAMMYS!


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Stars such as Alessandra Ambrosio, Taylor Swift, Bella Hadid, Ciara, & Chrissy Teigen stunned on the red carpet on Monday night. These gorgeous ladies turned heads with their fierce beauty looks – and now you can get the look for less (and with ease!) thanks to Makeup Geek (www.makeupgeek.com)! Makeup Geek CEO and makeup educator Marlena provides a how-to for each look along with what products to use so you can be as flawless as the stars!

Alessandra Ambrosio – Corrupt, Ice Queen, Galaxy, Nautica, Immortal
Pat Galaxy all over the lid blending into the crease, Create a dramatic wing with Corrupt stopping at the transition blending inward, place Nautica all over the inner ⅓ of the eye including the inner crease and extending onto the lower ⅓ of the lid. Highlight the inner corner of the eye with White Lies. Run Immortal in the upper and lower waterlines

Taylor Swift – Magic Act, Rapunzel, Sensuous
Swipe Rapunzel all over the lid extending into the transition. Pat Magic Act all over the lid. Place Sensuous onto the lower lash line extending upward. Highlight the inner corner of the eye with Rapunzel.

Bella Hadid – Barcelona Beach, Shimma Shimma, Mocha, Sorbet, Immortal
Barcelona Beach all over the transition blending down into the crease, Sorbet all over the lid, Mocha in the crease, Shimma Shimma on the inner corner. Run Barcelona Beach under the lower lash line. Immortal tightly to the upper lash line.

Ciara – Moondust, Bedrock, Concrete Jungle, Corrupt, Immortal
Swipe Bedrock into the transition, Pat Moondust all over the lid, pat Concrete Jungle onto the outer ⅓ of the lid, Deepen the outer V with Corrupt, run Moondust along the lower inner ⅓ of the lash line, and Corrupt for the remaining ⅔ tightly to the lash line. Immortal to line eyes.

Chrissy Teigen – Barcelona Beach, Hipster, Mocha, Latte
Use Barcelona Beach as a transition and also run under the lower lash line, pat Latte all over the lid and on the outer ⅓ corner of the lower lash line, run Mocha through the crease, place Hipster on the center of the lid diffusing slightly.

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