How Much Credit can you Afford?

Before making the decision to add more debt, you need to make sure that you:*Allocate sufficient money for your essentials.*Borrow only for items that you need and can afford.*Borrow only if you're spending less each month than you take home.1. Start with your monthly take-home pay.This is the amount you have left after taxes and other deductions have been made.2. Subtract the amount you need for necessities and fixed expenses.This includes savings, your mortgage or rent payment, utilities, food, transportation, child care, medical care, clothing,...

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Planning for Your Financial Future

Two heads are better than one, so sit down with your spouse and plan out your financial future together.Prioritize your bills.By determining which bills to pay in which order, you'll get in the habit of making sure your essentials are always paid first.Be careful using credit. Sometimes a financial crisis will come not because of a layoff, but because you're overextended. Most people can afford to devote 10 percent of their net income (after taxes) to installment debt, not including mortgage or rent payments. If you pay out more than 15 percent,...

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Mortgage Refinance: 4 Ways To Know Its Time to Refinance Your House

You may want to refinance your home for several reasons.1)Mortgage Rates might be lower now. The biggest reason that people refinance their mortgages is to save money. No matter what has happened to you, there is always a good reason to start saving money. A lower rate on your mortgage can help you stretch out the payments so that every month you are paying less to live in your house than the previous month. When interest rates are low and you had previously locked your mortgage into a higher price, it might be a good idea to shop your rate around...

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Your Weight Loss Problem: How-To Cure It By Watching Movies

by:Beth Scott Is it possible that you could actually lose weight while watching your favorite shows or reading your favorite books? YES, it is! Read this article to find out how... I don’t know anything about you but if you’re anything like me then you struggle with a weight loss problem. Your weight loss problem consists of you struggling to keep your weight down, or struggling to make your weight go down. Most people who see me wouldn’t believe that I have a weight loss problem, but I do. I’ve battled...

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A Healthy Diet Plan

by: Renee KennedyHow do you plan to lose weight?Losing weight, gaining weight or maintaining a healthy weight can be a difficult task. However, if you learn to eat healthy and exercise regularly, and you train your body to accept that - instead of a daily task, it can become a "way of life."Here is a simple 5 step plan that can help you learn how to live a healthier life:Get into a Healthy Eating Mindset:If you are going to lose weight or gain weight you must believe that you can do it. If you are discouraged, you will not be able to do it. You...

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4 Great Diet Tips

By Jeannie Crabtreehttp://www.smartweightlossplan.com Here are 4 diet tips we all need reminded of from time to time.Diet Tip 1: Never eat standing up.Mom was right. Sit down and eat your food! Never eat standing up. One of the easiest ways to sabotage your diet is to 'eat without thinking'. Fix yourself a plate. Sit down and eat properly. You'll be less likely to just pop food into your mouth without paying attention.Diet Tip 2: FluidsDrinking plain water is always top choice on a diet. You can also drink flavored water instead of soda. Soda is...

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Acne treatment tips

by:M.D. StracenerAcne is a broad term which includes blemishes, blackheads, and whiteheads. Acne can strike at any age. Effective acne treatments are sometimes difficult to find, and understanding acne and prevention can be frustrating. Here are some acne treatment tips that have worked for many.Although acne isn't life threatening it can be uncomfortable and hard on your ego. There has always been a debate about the actual cause of acne. The actual cause isn't as important as finding a cure.So is there a cure for acne. Well yes and no. There are...

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Down with acne

by: Beth ScottLike a good many people I have been the victim of acne vulgaris (what an appropriate name) the medical term for pimples. It has made me aggravated, made me cry, and made me angry. Thousands of people each year are afflicted by it, and it makes recluses out of a good many teenagers.It is caused when your pores get clogged and the fatty material made by the sebaceous gland accumulates, and a "bump" appears under the skin-or perhaps a whitehead or a blackhead (a comedone). Blackheads are not caused by dirt but by the discoloring effect...

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What is acne?

by: Lana Hampton What is acne? Acne is a term attributed to plugged pores, commonly known as blackheads and whiteheads, pimples, and even cysts or nodules, occur on the face, neck, chest, back, shoulders and upper arms. Follicles, often called pores, often get blocked with sebum (oil), which normally drains to the surface, and a bacteria propionibacterium acnes, begins to grow. Both whiteheads and blackheads start out as a "microcomedone" which then become skin blemishes called comedones. Acne can be upsetting, disfiguring, sometimes leading to...

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Natural acne treatment

by:Seth MillerMost of these products contain vitamin E, grapeseed oil, calendula, aloe vera, witch hazel or essential oils. For example, tea tree oil applied to acne has been found to be effective for hundreds of years. An herbal blend that can help with acne consists of equal parts of the herbal extracts of sarsaparilla, yellow dock, burdock, and cleavers. Take half a teaspoon of this blend three times daily.Natural acne treatments are desirable because they have few side effects, are inexpensive, and are effective for many. There are many natural...

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Controlling acne

by: Lori StrykerLori Stryker has been researching and developing all natural skin care and make-up for the purpose of offering men and women safe natural cosmetics for everyday use. She brings to her research a specialist in human biology from the University of Toronto, coupled with a professional home economics degree and an education degree from the University of British Columbia, fusing chemical and biological knowledge with food family and textile sciences.Acne...it affects a majority of teenagers and many adults well into middle age. It is...

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