Best Over the Counter Age Spot Remover

Over the counter age spot remover is one of the hottest selling products in the anti aging skin care market, because nobody wants to walk around with highly visible indicators of age upon their skin. These marks do not really have anything to do with your physical age however, as they are simply products of extended exposure to the sun. It has been pounded into the psyche they are signs of a person advancing into the latter stages of their life due to the timing of their appearance.

Nobody wants to feel as though they are slipping into decline, and though it embarrasses sufferers to have other see them this way it does more damage so as the way that the person sees themselves. Companies have taken advantage of the psychological implications of the development of this harmless hyperpigmentation by flooding the marked with skin whitening products.

What most over the counter age spot remover contains in order to help you reduce the random overproduction of melanin are compounds that I would not advise you to let anywhere near your skin. While effective in slowly removing the discoloration marking your skin, these compounds are not healthy at all. They could in fact take a serious toll on your health, and lightening your skin is simply not worth that.

One ingredient popular for lightening the skin is hydroquinone, which is banned in Europe and may soon be elsewhere as well. Hydroquinone is suspected to potentially cause an increased rate of tumors, mononuclear cell leukemia, and heptocellular and renal tube cell adenomas. It can also cause a disfiguring disease in which blue-black pigments are deposited in your skin.

Other over the counter age spot remover features mercury (II) chloride and ammoniated mercury as the primary melanin reducers. All forms of mercury are highly toxic to humans, and the accumulation of these compounds in your system due to repeated application of the formula can make you incredibly ill. Let me tell you about the only safe option you have for reducing the melanin content of your skin.

The safest and most effective over the counter age spot remover features Extrapone nutgrass root extract, which is proven to reduce melanin by as much as 40%. This eliminates the spots that you have, prevents new ones from forming, and the all natural ingredients heal your skin and make you look younger. This is the only skin whitening formula that I would consider using.

Thrifty Car Rentals – Tripling Your Savings

Thrifty car rentals are becoming popular as an option for people who hardly drive their car except on extended trips. Then there are those people who would prefer not to use their own car on trips over uncertain roads for fear of the wear and tear in will cause. People also rent cars to upgrade or downgrade on the size of the car that they own. For instance, an architect might own a large SUV which he uses for bringing his materials to his projects. For non-business trips, the car has much more room that he requires and more engine power than he ever needs to avail of. So he visits a thrifty car rental to get a smaller car for his daily use. Again people might want to rent a car because they are interested in buying that exact same model but just want to try it out first for a week before actually making that purchase.

If you are thinking of a renting a car, you should know that they usually cost less than the up-front price. This is because thrifty car rental companies offer discount bonuses on most cars and at most times of the year. Discount bonuses can shave of from 10% to 50% of the amount you need to pay after renting it. Price shave-offs can be availed of if you rent on weekends or during off-peak season. You can also have price reduction on the average cost if you rent for a week or a month. The specifics for extended rental discounts may vary from company to company, but they are always there.

Right now, the going price for high-powered cars, has gone down with the recession. Due to the need to save, people are buying cars with less power and smaller build. The result is that cars like the SUV are rented out instead of sold. Now would be the right time to try out renting a SUV from a thrifty car rental. This car is ideal for outdoor adventures on virgin terrain, like camping in the wild or fishing out in a secluded lake. The SUV is also ideal for visiting friends who live in isolated areas.

Before renting for an extended period, you need to consider the amenities or accessories that are included or excluded for monthly or yearly rental plans. Before settling on a monthly rental plan, be sure to calculate whether renting daily for 28 days will cost more than an outright 30-day plan. There are some thrifty car rental companies whose price structure sets a higher basic rate for monthly plans. If such is the case, there may be amenities or add-ons for monthly rentals that you are not aware of. Ask the personnel about it.

Other than the basic discounts on the rental fees of thrifty car rentals, some offer discount coupons for tourist spots, hotels and restaurants. These discount coupons are issued by the establishments to encourage more visitors to their place. Among these establishments, you have Disneyland, Sea World and even Universal Studios. Holiday Inn and Grand Hyatt are two hotels that offer discount coupons for travelers.

Budget Your Total Bathroom Remodel

Like any responsible homeowner or renter, you plan to budget for your upcoming bathroom remodeling project. But finding the dough to accessorize like a celebrity may prove more than challenging. Whether you’re looking to install high-tech toilets, new faucets and showerheads or simply to afford new rugs, follow these penny-pinching tips; you’ll be on your way to a new total bathroom makeover without cutting back on your family’s food or selling your assets.

Plan in Advance

No matter what size remodeling project you plan to undertake, you can never plan too far in advance. The larger the project, the more long term you should think. But before you either sell you’re car or begin purchasing new bathroom accessories or fixtures, write down your plan. Create a mock blueprint of your ideal bathroom, complete with what fixtures you need or want to replace, as well as the aspects you can repurpose and refurbish for free. Now, conduct simple market research online and estimate the average price for the new features you wish to include in your makeover project. For standard durable pieces, look for trusted brands such as Kohler, Price Pfister and American Standard.

A good rule to follow should be based upon how long you intend to stay in your home. If you’re simply looking at a quick fix and sell home, then opt for simple improvements. If your family will be staying for decades, you may want to consider comfort and ease first, and then think of what will increase the value of the home over time.

Additional costs are accrued when you pay for the labor. So no matter how big or small you plan to remodel, also factor in how much – or how little – the cost of labor will be.

Evaluate the Spending

With your estimated expenses in hand, examine your current weekly and monthly spending habits. Are there any areas where you can afford to trim down? A few dollars here and there spent on gourmet coffee, fast food restaurants and even those extra cents tacked onto gasoline prices paid with debit or credit cards can really add up quickly. Budget-friendly ideas include carpooling, consolidating all errands into one day to eliminate expensive fuel costs as well as opting for stay-at-home dinners which tend to be cheaper and healthier.

Stick to the Plan

If you’ve decided to trade in your Chinese take-out Tuesdays and quick trips to the post office for a home cooked meal and a walk to the local stores, then stick to it. And it will be tough to stick to this plan, but be prepared. It’s easy to find excuses (it’s too cold outside to walk); writing down specific tasks on your calendar will help keep you focused on your goal: remodeling your new bathroom. Also, seeing tasks written in permanent ink will help guilt-trip you into behaving, especially if you’ve slipped once or twice.

Small Budget Makeovers

With the rocky economy and unstable job market, many families simply cannot afford a total bathroom makeover as they’ve dreamed. However, a few small and inexpensive changes can transform your bathroom. Often, just a simple accent wall in a dark, rich paint can change the feel of a bathroom instantly-while only a fraction of the cost of totally repainting your entire bathroom. Check out local yard sales and online listings for freebies and discount giveaways; a wicker basket or antique bedside table can double as an artistic and decorative toilet paper holder.

Total Redesign

Transforming your entire bathroom will require a hefty budget, especially if you’re reinstalling valves, bath tubs and cabinetry (which will most likely require the assistance of a professional). Splurge on the luxury model toilets with heated seats, heated tile floors to keep your toes toasty or the automated sink faucets that eliminate wasted water. Over time, you’ll see more money in your pocket, since these luxury upgrades will most likely replace your frequent trips to day spas.

No Faxing Cash Advance – An Instant Credit Scheme

Few years back, when cash advance loans were new to the financial market, people were not very sure about consistency of these loans. In fact, for people who are financially stable and have a good credit score with multiple insurance policies, these loans are useless; therefore, these loans are planned by taking middle and lower income group into consideration, as there is big financial diversity in the present consumer sector. Since everyone’s financial situation is different, cash advance can perfectly meet financial requirements of every borrower. Expediency of payday loans is the biggest factor that provides every borrower with hassle free cash within minutes; definitely, no other loan scheme is as convenient as cash advance. For people, who cannot manage to fax their personal and financial details, there are no faxing cash advance loans. These loans allow the borrower to arrange suitable cash for multiple emergency financial requirements; moreover, with these loans a borrower can also pay off his or her due electricity or credit card bills.

It is quite true that at present, no one can survive without proper cash in hand. However, people do numerous things to save money for their hard days but, as a major emergency can drain out all their savings, they need to secure an instant credit solution to deal with such situations. No faxing cash advance loans are the perfect solution for making such circumstances less troublesome. No faxing cash advance loans provide the borrower with suitable finance without affecting his or her social reputation. If you are in a situation that is calling for cash right away, then you can go for no faxing cash advance loans to arrange suitable cash within time. However, there are various lenders who claim to provide fastest cash advance but very few of them really offer fast and reliable services.

Basically, no faxing cash advance loans are temporary financial resources that are secured against the borrower’s next paycheck. The biggest motive of these loans is to help borrowers in arranging smart credit; in fact, these loans are effectively helping people in dealing with their emergency financial requirements. Usually, most of the borrowers prefer this financial tool to recover any temporary loss of income or to cover an unforeseen expense. Since your paycheck secures the loans amount, you do not need to bother about credit checks or bureau investigation.

However, these loans offer transparent repayment and interest terms but it is always important to be aware of interest charges, so that frauds can be avoided. These loans are directly deposited into the borrower’s account; normally, processing of a loan request takes two to three hours, as staff members of concerned cash lending firm systematically verify details of the borrower. If you are anxious about security of your confidential data then relax, as most of the lenders use highly secured loan processing systems to process your data. Almost all lenders use 128-bit SSL encryption technology to keep your information secure and private.

Four Major Functions Provided by a Real Estate Agent That You Can Do Yourself

Selling a home entails four major functions that are usually performed by a real estate agent. If we take the mystery out of those functions, they start looking as if we can do them without an agent. And you can!

1. Pricing your property

The first thing that an agent will do for you is help price your property. You don’t want to offer your home for sale at double its market value because it just won’t sell. Likewise, you don’t want to offer your home for sale at half its market value because you would just be cheating yourself of that price difference. If the market is such that your house in your neighborhood in your city is worth about $200,000 then you want to sell it for that. If you have made additions to the house that might make it worth more, then you want to add those items to it. The real estate agent has a lot of that data at their fingertips through their subscriptions and through their knowledge of the marketplace.

You can do this pricing yourself as long as you don’t let your ego get the better of common sense. You can find out what homes are selling for by cruising your neighborhood and checking out homes for sale to see what they are priced at. You can check to see what they sold for by visiting your tax authorities. Most municipalities and counties require that all deed transfers be recorded as a matter of public record. You can access that data through the internet if your municipality offers it, or you can go look it up in person where the internet is not used. Just make sure you are pricing your 3 bedroom 2 bath house with other 3 bedroom 2 bath houses rather than a 2 bedroom or 5 bedroom house.

2. Marketing your property

Marketing real estate is a sort of catch-all word for advertising the home as being for sale and then showing the property to prospective buyers through appointments or open-houses. The most important and probably most costly marketing activity is advertising the house. There is one real estate agent around here that states in their commercials that they spend between $1,000 and $1,500 per HOUSE while claiming that many agents only spend less than $500 per month for all of the houses that they list.

You can perform all 3 of these marketing functions. Who would be better to show a home or to have an open-house than the resident of the home — just do not let your ego get in the way and react defensively to reasonable buying questions. The advertising should be fairly simple as well. You are just as qualified to create want-ads for your local and regional papers and classified magazines as long as you model your ads after the ones that you will be competing for attention with. There are some advertising sites that require that all of their advertisers be real estate agents. You might try circumventing that restriction by offering a real estate agent a small fee to list your property on those restricted sites. The worse they can do is say “No” and a different agent might be more cooperative.

3. Contract exchange and negotiation.

Real estate agents act as intermediaries between the seller and the buyer. They take a contract proposal from the prospective buyer or their agent and present it to the seller. This goes on with price changes or with feature additions and removals until both the seller and the buyer agree on the selling price and property conditions.

There should be no question that you can do this yourself as the seller. After all, the agent would have to come to you anyway to get your approval and signature. Once again, this is where you need to put your ego and pride to the side. At this stage, all of your advertising and pricing work has come to fruition and you have a buyer negotiating with you. The worse thing you could do is to react defensively. You just participate in a give and take during the process as if it were for someone else.

4. Preparing the final paperwork and closing the sale

The real estate agent is usually the one to give all of the closing information to the title company and lawyers so that the deed to the property can be transferred from the seller to the buyer with no problems. This is when checks are transferred and mortgages paid off. It is also when the commission check is given to the real estate broker for dispersal to his agent.

You can do these things also. You are the one that has handled the paperwork up to now. You are the one that is ready for your mortgage to be paid off. You are the one ready to receive a check for the difference between what you owe on the mortgage and the selling price of the house. Most of this information is put on the HUD-1 form by the title company. In fact the major role of the agent here is to hold your hand and collect the commission check. Again, these tasks can be handled with a minimum of activity on your part. Any legal requirements can be farmed out to a lawyer for a much smaller fee than the agent’s commission.

Pricing, marketing, negotiating, and closing are all functions that are required to sell a property. They are all tasks normally handled by a real estate agent. They are also tasks that you can do yourself at a cost far less than 5% of the selling price of your house.

Common Pitfalls of a Career in Commercial Real Estate

When you start your career in commercial real estate, you will soon know the common pitfalls that prevail in the industry. They are nothing special and unique, but they do require specific focus and action to resolve.

The pitfalls that most agents and salespeople come across are some of the following:

  • Finding new clients in the local area is not as easy as it originally seemed. The process requires hard work and daily diligent focus. Prospecting is one of the most important things that you can do in your career.
  • The competitive nature of the industry means that you will be up against other agents continually in presenting and pitching your services. It is easy to believe that you will win a listing, however the motivations of clients are many and varied.
  • Agents and salespeople with local property knowledge are useful, however the agent that usually wins the listing will be the one that shows the greatest level of confidence and solid negotiation skills. Clients like to work with experienced achievers that can solve their property problem quickly.

These three points would indicate that you must be prepared to work hard and to a plan. The most successful agents in the industry achieve their results through diligent focus and daily hard work. I go back to the point made earlier; you must prospect daily regardless of how much other work you have currently. Failure to prospect today means that your business will slow down within about two or three months.

Here is a good business model that can be used in most commercial real estate agencies. This is a personal model that should apply to sales people.Research the new business leads and opportunities every night before you commence the next day. On this basis you will have new people to contact. A big part of your job is to create a new leads and new opportunities. That is how you will grow your market share.

  1. Start your day early and always with the prospecting system and process that is relevant to your property type. Generally speaking this will mean lots of cold calls within a defined system that you feed with new leads and opportunities.
  2. The prospecting process should take about two or three hours every morning. By the time you get to the middle of the day, you will have achieved two or three meetings from those calls made in the morning.
  3. Do your property inspections and client meetings in the afternoon. That then leaves the late afternoon for you to do your paperwork and marketing.

Organisation and focus will turn your career in a positive direction. This does take time, however diligent daily process should see positive results within about one month. When the results start to come in, you simply keep the process moving ahead. Do not change the rules, and remain consistent.

Dental Insurance And Individual Health Plans

You could rarely find and buy individual health plans that also cover dental hygiene. There is useful information that people should know particularly if they consider buying the policies separately.

It is estimated that about 45 million Americans currently don’t own any dental insurance policy. Most non-elderly citizens who own individual health plans also own dental hygiene policies. However, majority of people who buy health insurance plans by themselves do not have dental insurance. This data is based on a report released by Centers for Disease Manage and Prevention.

While individual health plans cover several added services like basic emergency care in addition to costs of prescription drugs, they logically are not necessary to include coverage for adult oral care. Nevertheless, for health insurance policies for children, dental services are needed.

In March 2010, reforms to the healthcare insurance coverage were set. However, despite the push exerted through many advocates, that bill did not include the wider dental component. Supporters and proponents of the reform argued that each health plans already cover costs for other pressing health problems like diabetes and heart diseases.

About 75% of 172 million Americans under age 65 years (who own private health insurance plans) have dental insurance plans as well. Their employers mostly supply the health insurances. Among those with separate dental protection, more than a quarter of them have comprehensive plans with dental insurance while one fourth have stand-alone plans. Some have both.

About 90 million Americans own individual health plans through Medicaid and Medicare insurance, which both do not offer dental care programs for adults. There is no figure available regarding public health insurance plans. Medicaid shoulders dental take care of people under 21 years old. The insurer currently serves up to 45 million people of the low-income group. However, such patients complain about troubles to find accredited dentists.

A separate government-sponsored program provides dental hygiene, albeit limited. It is the Children’s Health Insurance coverage Program. As for the older people, they could always choose to purchase separate dental care policies from health insurance companies.

Do you look for health insurers that also offer dental hygiene plans? Data from the Association for Health Insurance Plans reveal that we now have only a few insurers that do so. Individuals include Cigna Corp, Aetna Inc, Assurant Inc, Humana Inc, as well as UnitedHealth Group Inc. The association represents up to 80 of overall dental insurance plans in america. There are also health insurance plans that offer dental coverage included in health policies. They include several and specific programs from MetLife, Principal Financial Group Inc, and Azure Cross Blue Shield Association.

Experts advise people to purchase dental care insurance policies even if they currently own individual healthcare plans. Purchasing separate plans is more advisable especially because it might be very hard, if not impossible, to find and purchase health insurance policies that also include dental protection.

How to Shop For Your Once in a Lifetime Wedding Dress

He proposed, you said yes. The wedding planning is in full gear and its time to shop for your wedding dress. Your wedding dress is the most memorable and expensive dress you will ever purchase. Here is some practical advice to make your shopping trip fun and let you know what to expect.

Make an appointment to try on wedding dresses. Some bridal salons don’t require them, but an appointment will guarantee you the individual attention of a bridal consultant and space in the dressing room.

Time your shopping trip to your best advantage. If you shop on a weekday afternoon, you will get the most attention and you will not be competing with a lot of other brides like you would on weekends. You also get more time to shop.

You will get the best deals if you shop in November and December when the bridal salons are slow and new merchandise is arriving. There will be more sales and more incentives to buy because they need to clear out stock to make room for new stock that is arriving. Wedding dresses arrive in cycles, with the late fall and early winter being the time the manufactures ship out new merchandise.

Don’t shop too early, if your wedding is two years away and you are not prepared to buy, stay home and surf the net for ideas. The styles will change and your idea of your dream dress may change, along with your weight and wedding plan. The style may also be discontinued by the manufacturer.

Don’t shop too late. Wedding dresses should be ordered 9 months to a year in advance. The manufacturers take 16 to 20 weeks to fashion your dress because of all the hand work that is done on the dress. You also need to allow transportation time and time to have alterations done. If you shop at the last minute, you will risk major disappointment. You will either have to buy off the rack or pay the manufacturer extra for rushing your dress.

Shop prepared. This should not even have to be mentioned., Wear underwear on your shopping trip. Wear clean underwear and be freshly showered or risk major embarrassment. Some salons will send you home to shower or come back with underwear and who can blame them? You are trying on expensive white dresses! And if you don’t wear underwear, you’ll be standing in the dressing room buck naked. If you are uncomfortable, you consultant will be doubly uncomfortable.

Bring along a strapless bra if you have one and a pair of heels to get a feel for how the gown will look on you.

Don’t shop with a posse. Shop with someone you trust, your mom, your sister, your best friend. Don’t shop with your entire wedding party. Too many people means a lot of confusion for you and your consultant. Too many opinions will make you crazy. Are they giving you their true opinion, or picking out a dress they would wear to their own wedding? Invite your friends to see your choice after you’ve made your choice. They’ll be more interested after you’ve chosen your dress. Sure, a huge shopping trip sounds like fun, but you’ll totally regret it when you leave exhausted, confused and aggravated.

Don’t try to cram too many shopping appointments in one day. Trying on wedding dresses is exhausting. You’ll be standing up in heels for a long time. Some of the dresses are very heavy. Pretty soon you’ll be suffering from white blur, a wedding term that means that all the dresses are starting to look alike. Limit your appointments to no more than two a day and take time in between to grab something to eat and drink. The only way you can be on top of your dress shopping game is to be fueled up, hydrated and relaxed. Its going to be a long day!

Shop with an open mind and a good attitude. You have a dress etched into your mind. You are closing yourself to dresses that may be more flattering on your figure, cost less money and be THE dress. Be open and receptive to different necklines, body styles and fabrics. You may leave with the dress still etched in your mind, but you may just find THE dress if you stop telling yourself that you are picky. By constantly reinforcing your pickiness, you’ll make yourself and your shopping companion crazy. Bridal consultants are trained and experienced in finding dresses that make the most of your figure and hide the parts that need to be hidden. Stop whining and listen, you’ll be amazed at how fabulous you can look if you just open your mind and adjust your attitude.

What to expect when shopping for your wedding dress. Expect to be warmly welcomed into the bridal salon and meet your consultant. Your dress consultant will ask you some questions about your wedding. They’ll ask you about the type of wedding, the formality of the wedding and your wedding dress budget. They aren’t being nosy. They need to help you choose a dress from a mind boggling selection of dress styles. You can’t try everything on in the store, its physically impossible. They also need an idea of your dress budget, so you don’t fall in love with a dress that is out of your price range. If you want to see dresses under a thousand dollars or under five hundred dollars, tell them honestly to avoid a lot of disappointment on your part.

You will be shown styles, feel free to say no to anything you don’t like. Be honest, you will not like everything and it will help your consultant pull more dresses that are in line with what looks best on you and you like.

You will be helped try on the dresses. Dressing yourself in a bridal salon is difficult, so expect to be helped on and off with the dress, in addition to zipping the dress.

You will be asked more questions, for example, do you feel comfortable in this style?

Your consultant will categorize your dresses by the dresses you like, the maybes and the definite no way. You might want to retry the dresses you like to cut down on your selections. Your consultant will keep the dress style on file so when you return, the can find the style.

If you are uncomfortable in the style, its a no. If you feel overwhelmed in a style, its a no. If you feel fat in a style, its a no.

And above all, do NOT be pressured into buying a dress by anyone. If you feel pressured, gracefully say you’ll be back to try it on once your mind is cleared. Don’t buy anything from pressure. Buy the dress because you love it and its THE dress!

Power Inverter Uses and Variations – Auto, Car, Boat, Laptops

Power Inverters, also known as power supply units or power converters, are a great way to power electronic devices when there is not a ready electrical outlet present but there is DC power available. When it comes to choosing a power inverter, there are a number of available options out on the market, each with a variety of different features. The basic concept of a power inverter is that it can convert a car’s 12 volt direct current power into the same type of alternating current power available from a wall socket, enabling electronics to charge while traveling. They work in cars, boats, or anywhere else equipped with a cigarette lighter adapter (DC Adapter).

Why run the risks of losing power to your essential electronics, when you can always have a backup power source ready for use almost anywhere an electrical current is generated? Power inverters work especially well for charging laptops, DVD players, digital cameras, radar detectors, cell phones, PDA’s, printers, digital cameras, external hard drives, personal media players, flash drives, scanners, iPods, MP3 players, video games, and much more.

On the market you can find an ever-increasing number of different power inverters. They all perform the basic function of charging your electronic devices, but each has its own particular features that may suit one person’s needs better than another’s. There are power inverters that can provide power for one, two, three, or four plugs simultaneously. There are also power inverters that contain USB ports that can charge USB-enabled devices; this can add to the functionality of your power inverter if you carry around devices like the popular iPhone.

Power inverters also differ in the amount of power they supply. Some emit more wattage to charge larger items, while others emit smaller amounts of wattage for electronics with smaller energy demands. This is an important feature to keep in mind, which can help prevent battery drainage and preserve your car battery’s life. When buying a new power inverter it’s best to look if it has an automatic kill switch or switching regulator (available in switched-mode power supplies) so that your car’s battery never reaches a critical point. It can be quite frustrating to see your car battery die, but your laptop fully charged.

A nice feature to look for is a long, extendable cord to reach far away electronics. You may also want a swivel head if your cigarette lighter adapter is placed in a difficult-to-access location. This will help adjust the positioning and make sure it will not slip out of place for maximum convenience. Some power inverters also come with replaceable fuses–one of the most likely parts to fail–and the ability to replace the fuse is more convenient and efficient than having to replace the whole inverter.

Remember, when choosing a new DC-to-AC inverter examine the features, the power output level, number of available receptacles, and pricing to ensure that you purchase the right inverter for your needs. Every year new and more efficient inverters hit the market, so happy hunting and read the reviews before purchasing and you’ll be sure to find just the right inverter you need.