For those consumers with regular incomes
By Rachel Lane
Consumers reject financial advice in favour of financial frivolity
It would appear that even though their &plastic clothes clips8220;friends” aren’t as flexible as they used to be, consumers are still stretching their credit cards beyond the comfort zone.
The vicious circle of debt manipulation involving banks, consumers and commercial credit companies is putting consumer spending under strain, as funds begin to dry up. In May 2005, the Financial Times reported the accusation that banks were fuelling Britain’s personal debt problem by repeatedly offering debt-ridden customers loans they were unable to repay.
As the UK’s personal debt increases by £1 million every four minutes, credit card spending habits still seem to be spiralling out of control. According to Credit Action, nearly 66% of the adult population have a credit card, with multiple card holding becoming a growing phenomenon in the UK. More than 60% of card holders possess at least two cards, with 10% holding at least five cards. There has also been a significant rise in the number of personal bankruptcies. In # the year up to March 2005, 37,886 people were made bankrupt, a 30% increase on the previous year.
Credit Action reported that some credit card companies reduced their minimum repayments from 3% to 2% last month, which has been seen by some as irresponsible. To put this into perspective, a £3000 credit card balance at 17.9% APR would now take more than 40 years to repay if the minimum repayment of 2% is paid each month, in comparison to 19 years with the 3% minimum repayment. Barclays even warned of falling profits for the Barclaycard credit card division last month, as more customers missed repayments and bad debtors increased.
For those consumers with regular incomes and strong credit records, credit cards with APRs as low as 6.9% are available, that’s less than half the standard APR most consumers have to pay on the cards in their wallet. By just using a variety of online personal finance tools, consumers can save themselves considerable grief by undertaking some financial homework.
Genetics can cause you to have an ugly
By Kathy Castillo Today's life is very hectic. Jobs are requiring more and more hours, raising children takes a lot of time, and the daily activities of living complete the last minutes of our busy day. It is hard to look energized and refreshed with the hustle and bustle of a fast-paced life.Most people usually are tired, worn out and look absolutely beat down. Their eyes look tired and are ringed by dark circles. Stress is written all over their face. This is why many people age more quickly in their face than in any other part of the body.It is very important to look energized and refreshed all day, every day. Looking tired is a sign of stress and disorganization in your life. Often, if you have dark circles under your eyes, you look sick or as if you have problems that kept you up too late. People see dark circles under your eyes and think the worst. No one takes the time to consider the true reasons for dark circles. Those dark, ugly circles can cause people to speculate and gossip about you.
There are many techniques that can help you look more energized and refreshed. Daily stretching, exercising, invigorating showers, meditation, warm baths with relaxing bath salts or bubbles, body messages and aromatherapy are all common therapies that can help you feel alive and less stressed. These treatments work, but they can cost a lot of money and can take up valuable time that you don't have to spare. So what can you do?When a person is feeling tired, worn out or exhausted, they tend to get dark circles under the eyes. When you do not get enough sleep, the muscles around the eye relax or lose their tone. When this happens, water builds up and creates a puffy look. Wholesale plastic clothes clips This puffy look can also appear as dark circles. This is especially true for older people because aging is another cause of the dark cycles.Unfortunately, many people also inherit dark circles. Genetics can cause you to have an ugly, dark puffiness below your eyes. If your mother, father, grandmother or grandfather had dark circles under their eyes, chances are you will also have them.
Dark circles can also be caused by extreme allergies. The buildup of watery fluids in the eyes can cause the eyes to have the dark circle appearance.According to Dr. Fred Alexander, a specialist in eye treatments, "Professionally, I've seen these circles disappear in individuals who stopped drinking high amounts of coffee and alcohol, increased their water intake and started eating a healthy diet that includes lots of raw fruits and vegetables.Additionally, if you are a person who eats meat two to three times per day in moderate to large amounts and not drinking plenty of water, your kidneys may be signaling you that they're a bit tired of working that hard!High protein diets will cause your kidneys to work harder than if you were eating less meat and more good carbohydrates, veggies and fruit! If you suspect environmental allergies to be the culprit, address the problem via an allergy/environmental healthy specialist."
For hundreds of years, people have tried everything from cucumber juice to expensive chemical peels and plastic surgery to try to be rid of their dark circles. Most of these solutions, including surgery and chemical peels, are only temporary at best. Sometimes, they do more harm than good because temporary or permanent scaring can occur from surgery or allergic reactions can occur as a result of using chemical peels or cucumber juice.If you look tired because of dark, puffy circles, you may want to try a treatment that is designed to hide the discoloration below the eyes called Ocuderm(tm). Ocuderm's(tm)main purpose is to hide or fade dark circles and reduce puffiness below the eyes. This treatment is effective at reducing puffiness and darkened circles below the eyes. Ocuderm(tm) will help you look rejuvenated and refreshed every day by reducing the dark circles below the eyes.
