Karen

You’ve made a commitment: you’re going to pay off your debt. The question, now, is how best to go about it. A starting point is to calculate potential savings with a debt consolidation calculator. This is really looking at savings based on a lower interest rate over a set period of time. The next decision is what tactic to use – debt settlement or a debt consolidation loan? While these two may sound similar, they mean two very different things. Here’s what you need to know about each option.

Debt Consolidation 101

Debt consolidation is a popular approach for people who want to regain control over their financial situation. Debt consolidation takes various debts and rolls them into a single, blanket loan with a single monthly payment. Debt consolidation comes in a few different forms. People can get a balance-transfer credit card, a debt consolidation loan, a home equity line of credit (HELOC) or a 401(k) loan, for example.

 

Debt consolidation is an excellent option for many people. Here are a few benefits of it:

 

• Debt consolidation lowers interest rates and helps you save money in the long-term. It’s also an excellent way for people to pay their debts off sooner.
• Debt consolidation can eliminate manageable debt. While it’s not ideal for large debts or overwhelming debt loads, debt consolidation is a great approach to paying down manageable debt amounts and kinds.
• Debt consolidation reduces the number of monthly payments. If you’re getting overwhelmed by the number of payments you’re making each month, debt consolidation can help. By rolling all your payments into a single payment, consolidation enables you to take control of your finances.

Debt Settlement

Debt settlement is different from debt consolidation. The approach looks like this: you work with a debt settlement professional who advises you to withhold payments from your creditors. Once the account is very past due, you work with that debt settlement professional and the creditor to negotiate a smaller amount that will satisfy the debt and close out the account.

 

The downside of this approach, though, is that withholding payments and having past-due amounts destroys your credit score and puts you at risk of lawsuits for nonpayment. As if that weren’t enough, there’s not any guarantee that the creditors will settle for a lesser amount.

 

Debt settlement is very rarely a good option for consumers. As a general rule, people might choose debt settlement if they have an account that’s already quite delinquent or in collections. If it’s likely that a creditor will accept a partial payment, debt settlement may be a good option, especially if the damage to your credit score has already taken place. If you’re interested in pursuing debt settlement, hire a professional debt settlement company. This reduces the risk of you taking the wrong road and helps reduce the possibility of damage to your financial life.

Which Option is Right For You?

As a general rule, debt consolidation is the way to regain control of your financial life. Debt settlement applies to very few people and is not always a great option. If you’d like to learn more about either option, contact a debt resolution expert.

It seems like there is always something new that we need to add to our daily and weekly skincare regimes. Primers, setting sprays, serums and toners, are all recent additions to our cosmetic arsenal, but eye cream has always been a vital component. After all, the fine lines and crow’s feet around our eyes are often the first visible signs of aging.

 

There are thousands of eye creams on the market, but some people still question if they are necessary. Can’t you just smear your regular facial moisturizer around your eyes – won’t that have the same effect?

 

This couldn’t be further from the truth. The moisturizers and creams that we use on the rest of our facial skin is simply too rich and heavy for the delicate, crepe-like skin around our eyes. Different eye creams are designed to address different needs – but which one is best for your skin?

 

We have compiled a list of factors that you should consider when you are selecting an eye cream for your skin. No matter which one you choose, make sure that you always protect the skin around your eye area with an SPF. The sun’s harmful rays will do much more damage than anything else when it comes to prematurely aging your skin.

 

Here are the most important things you need to think about when choosing an eye cream for your specific concerns.

 

Dark Circles Under Your Eyes

One of the commonly cited skincare concerns amongst women is dark circles under their eyes. Not only can dark circles make you look tired and stressed, they can be a sign of a poor diet. But for some women, no matter how well-balanced their diet and how many vitamins they consume, their dark circles will not relent.

In these cases, look for an eye cream that contains caffeine. Yes, the same ingredient that perks you up in the morning can brighten the dark circles under your eyes! When you apply caffeine topically to your skin it encourages blood flow to the area and banishes the dark and shadowy patches beneath your eyes.

Fine Lines and Crow’s Feet

Fine lines around the eyes, also known as crow’s feet, are one of the most common signs of aging. These wrinkles are caused by squinting, sun damage, smoking, and even just making common facial expressions. Even though many women experience these fine lines, that doesn’t mean that you are excited to see them pop up on your own face!

If you want to banish crow’s feet, you need to use an eye cream that contains retinol (a form of vitamin A that promotes skin renewal), hyaluronic acid, glycerine, and vitamin E. These ingredients will help smooth the lines, plump your skin, and prevent moisture loss.

Puffy, Swollen Eyes

A lack of sleep, stress, and physical exhaustion in general can all lead to swollen, puffy eyes. If you want to reduce puffiness and swelling around your eyes, look for an eye cream that includes retinol and hyaluronic acid. These ingredients will reduce the contours around your eye area, firm your skin, and make your eyes look more awake and open.

Dry Skin Around Your Eyes

Dry, itchy skin can plague anyone, and it can wreak havoc on your face. Whether it is caused by the arid effects of the winter weather, indoor heating systems, food sensitivities, or other allergies, a lack of hydration can damage the sensitive skin around your eyes. If you suffer from dry skin around your eyes, look for an eye cream that includes nourishing oils and butters.

The Prevention of Aging – Before it Starts

You might not yet be experiencing the visible signs of aging around your eyes, but it is never too early to start preventing them. If you are not yet in need of a reparative cream but you want to prevent them for as long as possible, look for an eye cream that targets the early signs of aging. It should include antioxidants, peptides, plant extracts, vitamins E and C, and hyaluronic acid.

Wrap Up

 Whether you are looking to prevent the signs of aging, get rid of dark circles, or smooth out wrinkles and crow’s feet, there are thousands of eye creams on the market. Follow the guidance above the choose the best options for your specific needs.

I started going to college when I was thirty-nine years old. I had been out of high school for many years, and because I never finished high school, I never wrote a research paper when I was there. The first paper I wrote in college was graded on content and on bibliography. I made an A+ for content, but a zero for bibliography because I did not know that it was necessary to include one. I had a talk with my professor after I got my grade, and explained my lack of bibilography. She gave me time to create one, and I received a passing grade for Literature 101. I have never forgotten that episode of my life. So, I decided to write about how to write an annotated bibliography for those who, like me, never knew they needed one. 

When you receive an assignment to write a paper with an annotated bibliography, you may at first be a little confused. That is only normal, as it is both practical and theoretical task. There are hundreds of articles on how to write this part of a dissertation or research paper, so I decided to make a really simple one, that will create a clear picture in your head. For this, I consulted professional authors from an annotated bibliography writing service SmartWritingService.com, and here is what they recommend you to do.

Write a Plan of Your Review

If you have a plan, you will not only spend less time collecting material, but you will also be able to arrange this work qualitatively. Your plan should include the following information:

• The number of sources that must be confirmed by your thesis or research paper advisor.
• The nature of the description of the sources (analytical, comparative, with the addition of your own opinions).
• The size of the annotated bibliography, which can be expressed in the number of pages, words,  or characters without spaces.
• The exact wording of the topic, which will narrow the range of your search for the right sources.
• Terms of the annotated bibliography, which include the nuances associated with quoting, using fonts, line spacing and paragraph indentation, which, as a rule, is governed by citation style required (APA, MLA, Harvard, etc). To write a good literature review, it is essential to make a plan of action. The plan is your guide to collecting the necessary information.

General Recommendations on Annotated Bibliography Writing

Annotated bibliography is an integral part of the thesis. The main difficulty for the review is the selection of the necessary literature, which is information that:

• will show the incompleteness of the study of the problem you try to research and offer your solution to.
• will confirm the importance of the issue under discussion for modern science.

The annotated bibliography is often presented in several points: the degree of elaboration in the literature, scientific novelty. By the way, referring to the opinions of the authors mentioned in the bibliography can and should be throughout the research work. For example, as a reinforcement of your point of view, or, on the contrary, for a reliable indication of a discrepancy in the results. When writing a review, it is necessary to compile it initially in the abstract form and show the supervisor to clarify further ways to search and design the necessary information.

The literature presented in the annotated bibliography should not be highly specialized, it should be relevant and if possibly represent the points of view of foreign authors as well, as they represent other “schools”. The main emphasis in the analysis of sources should be done not on the work itself, but on its effectiveness.

Remember that you can not use “whole pieces of the finished text source”, quoting is valid in the amount of 5-10% of the entire text.

Referring to any authoritative point of view, it is necessary to find the very first version of its presentation. Undoubtedly, in order for your review to be of high quality, it is desirable to be personally acquainted with the indicated sources (at least fragmentary).

When you are done with the major part of literature review, you should analyze it and delete all the repetitive sources, and add some more, which relate to your topic from another angle. Often, students include too many similar sources and authors who share the same point of view, and it is destructive for the quality of your bibliography.

Proofread your annotated bibliography and make sure it is 100% original. Use online anti-plagiarism and grammar checkers. To save time use citation generators, but make sure the chosen one supports the latest updates of the required citation style.

These details are extremely important if you want to receive a top grade for your work. Even if your annotated bibliography is based on the in-depth research, but contains mistakes, omissions and technical plagiarism, it will kill your efforts. Be attentive, proofread your paper several times and if possible ask your professor for preliminary general corrections before you submit your paper.