Waxing Hair Removal: Answers to Frequently Asked Questions

by: Mike Jones

Waxing Hair Removal: Answers to Frequently Asked Questions:

How does hair waxing work?

A wax combination is spread thinly over the skin. A cloth strip is pressed on the top and then ripped off with a quick movement removing the wax along with the hair and dead skin cells leaving the skin smooth.

What's the difference between hot waxes and cold waxes?

Good hot waxes melt just above body temperature so they can be easily spread thinly over the skin. As they harden they trap the hair in the wax so it is removed by the roots when the wax is ripped off.

Cold waxes are available in pre-coated strips which can be pressed directly onto the skin. The hair sticks to the wax and is then removed with the quick pull back action. (Cold waxing is also known as Persian waxing)

What is the effect on the skin?

As dead skin cells are removed in this process the skin can feel quite smooth afterwards. The hair waxing action does cause the skin to sting and many find a soothing skin healing cream to be helpful afterwards. Some persons find the skin reacts with redness and bumps which disappear after a few hours.

Are there any health precautions to keep in mind with hair waxing?

Some physicians do not recommend hair waxing for persons suffering from diabetes or who have varicose veins or poor circulation as they are more susceptible to infection.

Users of Retin-A, Renova, Differin or Accutane are advised not to use hair waxing on the face as these medications tend to weaken the skin and tearing of the skin may occur when the wax is removed.

Hair waxing should not be done on areas of skin affected by warts, pimples, moles or rashes or on skin that is irritated, chapped or suffering from sunburn. Never apply wax to peeling, broken skin or varicose veins. Never apply wax to the nipples when removing hair from the breast area.

On what body areas can hair waxing be used?

It is wise to test a small area first but generally waxing can be used on most parts of the body. The exceptions are the male genitals, nipples, inside the ears and nose, eyelashes.

How long before hair reappears?

Generally between 3 and 8 weeks. Less hair regrows and it is generally finer. Eventually some hair never regrows.

About The Author
Mike Jones is a writer and webmaster with over 10 years experience. His recommendation: To make waxing hair removal much easier and less frequent, always apply a hair inhibitor after each waxing session. Click here for details: http://www.1bodycare.com/kalo.htm

Laser Hair Removal Prices - Guidelines

by: Mike Jones

Laser hair removal prices can vary greatly depending on the geographic area.

A candidate's physical features also affect laser hair removal prices. According to one authority, an absolute requirement is that the hair must be darker than the surrounding skin.

The whole area on the back or the legs can cost considerably more while smaller areas such as the upper lip obviously cost less.

Individual consultations are necessary to establish accurate laser hair removal prices.

Note: Due to the variables involved it is impossible to predict exactly what the results will be for any individual. Many reputable clinics avoid giving guarantees for this reason.

A consumer guide on laser hair removal gives $500 per treatment session as a reasonable average with 3 to 4 sessions often necessary.

Another survey on laser hair removal prices in the U.S.A. gives these averages according to area:

Average Cost for 1 treatment:

Midwest - $497
East - $458
South - $307
West - $469

When checking laser hair removal prices in your area, ask for special offers.

Suggestions for obtaining discounts

Offer to pay for all treatments upfront in exchange for a discount.

Additionally, you could try and get a discount by giving a referral if you have a friend who also wishes to receive laser hair removal treatment.

Some practitioners offer a 6 treatment package which includes 1 free if you pay for 5. Others may even offer a 50% discount on the regular laser hair removal prices if you need more than 6 treatments.

In other cases, laser hair removal prices can be reduced by seeking discounts on additional areas to be treated. Some for example, offer a 10% reduction in cost for each additional area.

A final tip - to clarify the laser hair removal prices you are given, be sure to find out whether the quote is for both arms, underarms, or legs or just one.

Conclusion: Laser hair removal prices can vary greatly. Do your research, use the guidelines above in trying to get discount prices and go with the clinic that offers you a professional service for a reasonable price.

Note: For peace of mind you could decide only to go to a Board Certified Dermatologist. Additionally, you may ask to see before and after pictures of the practitioner’s own results.

About The Author
Mike Jones is a writer and webmaster with over 10 years experience. Check out his laser hair removal research library here: http://www.about-hair-removal.com/Laser-Library

Using the Market Conditions to help in the Fresh Start Presentation

The real estate market like any other asset class is in a constant state of motion. Property values are either going up, down or are stabilized at all times. We know this just by reading the newspapers, watching television and listening to neighbor?s gossip about their asset (the home). Not very scientific way of figuring out a market, but probably as good as if not better than most because it gets to the emotion of the homeowner in trouble. If the homeowner believes it is a sellers market he/she will absolutely try to sell or refinance before listening to you. If it is a buyers market then you are a welcomed guest if you can put money in their pocket for this dog of an asset they purchased long ago. If it is a stagnant or equal market well then the homeowner will be unsure of the value because the newspapers will be onto another subject. There are three types of markets in real estate. They are 1) the Sellers Market; 2) Buyers market; 3) a stagnant market where prices remain constant.

The definition of the Sellers Market, Buyers Market and Market in equilibrium is a look back model that uses two figures to determine a label for which market you are in. They are market time and inventory.

Market Time Defined

Market time is defined by the amount of days that a property in the location stays on the market. For example in a Sellers Market average sales time will be under sixty (60) days. Equal Market average sales time will be under one hundred (100) days. For a Buyers market average sale time will be over 100 days.

Inventory defined

Inventory is simply the amount of houses on the market divided by the average amount of sales typical for that area per month. Sellers Market would be less than three (3) months inventory on hand in a given area. Equal Market would be between three months and six months of inventory on hand. Buyers Market would be having inventory over six months on hand.

SELLERS MARKET FSP

A sellers market is a market where a property will sell within sixty days of being introduced to the market. This market also has a low inventory of properties on the market. This would be defined as anything less than three months inventory in your specific area. Another indication of a sellers market is that the price of the product begins to appreciate until it finally is out of the reach of the buyers causing the market to cool down.

This market can be prolonged by certain financial products such as the interest only loan, negative amortization type of loan, graduate payment loan and of course the variable rate loan. All of which we have seen in both Philadelphia and Massachusetts.

Based upon all of the factors going against the back up plan we offer it is a hard position to find the deals that we need during this type of market and as purchasers we are forced to purchase at auction as well as going to the properties and trying to purchase pre-foreclosure.

Locator in Hot Sellers Market

The locator in a hot market has a hard presentation. Every homeowner feels that they can get market price and that is more than we can pay. This happens because local neighborhood gossip, newspapers in the area saying how much property has risen year over year or month over month. Homeowners are saturated with information about how valuable their real estate is worth.

Next the homeowner is targeted with lending offers to refinance because the value of the home has skyrocketed- use your homes as an ATM machine to pull out some equity and live for a few more years.

Both the low market time and low inventory time cause our business of purchasing properties to be very frustrating. The homeowners are aware that they can sell a home relatively fast even quicker than an auction can be had.

It Makes for a hard market to purchase properties prior to the auction. It is what we call our recession. It allows a homeowner to choose from a group of choices. Essentially we are a back up plan or safety net. In this type of market we need to price correctly and purchase at the last minute from homeowners who have tried everything else.

Buyers Market FSP

A buyers market is defined by sales of properties taking takes over 100 days to sell. The Inventory in this market will stack up to well over six months worth of sales. The homeowner in this situation has only a few options. Financing companies say that they can refinance but usually can not due to the falling value of the appraisal on the home. Remember the newspapers are littered with information regarding the fall of the real estate market. It is the fear of the day for most local newspapers.

Here are a few local articles

?Sellers Frustrated With Real Estate Market
Home Sales Down In Bay State
POSTED: 6:05 pm EDT August 15, 2006
UPDATED: 7:37 pm EDT August 15, 2006

WALPOLE, Mass. -- Quarterly home sales are down in a widespread area of Massachusetts, but prices are only down slightly.

Copyright 2006 by TheBostonChannel.com?

?Market unease: Home prices fall 3.5%
Weakening demand leads to largest decline in Mass. in 13 years
By Kimberly Blanton, Globe Staff August 24, 2006
Home prices in Massachusetts fell 3.5 percent in July, the largest decline in 13 years, as the slowdown in the real estate market finally led sellers to cut their prices.?

?July home sales plunge 27%

The Lowell Sun

Massachusetts single-family home sales plunged almost 27 percent in July, the largest year-over-year monthly drop in more than 11 years, according to a report released today by The Warren Group of Boston. ?

?Buyer?s market: Housing sales dip, prices may follow
By Ben Aaronson/ Staff Writer
Thursday, August 24, 2006 - Updated: 09:08 AM EST

You can?t drive through town without seeing a For Sale or Open House sign and they represent a statewide trend.

According to a recent report by the Massachusetts Association of Realtors, home sales statewide fell nearly 11 percent in the second quarter (April to June), marking the fifth consecutive quarter that activity has declined from the same period the pervious year. Housing inventories are at an all-time high and homes are staying on the market longer, the report found. ?

Locator in Buyers Market

The locator in a buyer market has a much easier presentation. Every homeowner has undergone the conditioning of the newspapers, local gossip etc. that the sky is falling rapidly and that their investment is no longer worth what it was one year ago.

This advertisement of the fall of real estate prices and the end of the price appreciation stops the appraisers? from appraising the properties correctly. Instead of using the standard comparable. The appraiser checks a box and states that property pricing are declining and begins to cover himself/herself with lower and lower values for the property. This causes the banks to tighten up on underwriting guidelines making it harder to refinance their way out of the foreclosure.

Without the refinance the homeowner either has to do one of the following:

1) Restructure the mortgage causing higher payments. Problem with a restructure is that it costs more monthly for a short period of time. Usually very hard for the homeowner to come up with the money.

2) Sell on the open market. Problem is that market time has risen to the point where the foreclosure process is faster than the tie they have to sell the property.

3) File for bankruptcy. This normally costs $2,500 for the lawyer, filing fees and 10% of the plan debt to the trustee. It also has a 75% failure rate.

Consequently our FSP becomes a very viable option for the homeowner.

We are in this market now so find your local newspaper articles and put them in your book to show the homeowners what is happening out there. Make your presentation and then close the deal.

The locators biggest problem during this time is the manager (Investor) has more trouble pricing the properties because of the downward spiral of the market.

Market In Equilibrium:

An even market is when a property is sold within 61-100 days of listing. Inventory is usually six months or less. This is the market that is the easiest to procure deals. It allows the investor to feel warm and fuzzy knowing almost to the penny that the property he/she is purchasing is worth what they think that it is worth.

The Newspapers simply go on to another story and leave the real estate market alone or have articles stating that the market is stable.

Locator in Equilibrium

The locator in a stable market has the best of all worlds. Prices are staying steady keeping the manager happy and all is quiet regarding real estate in the newspapers.

Again it is an easy presentation. The homeowner has seen his equity disappear and no longer knows what the value of the real estate is and just wants to get out from the obligation.

The homeowner is left with one of the three options of a down market:

1) Restructure the mortgage causing higher payments. Problem with a restructure is that it costs more monthly for a short period of time. Usually very hard for the homeowner to come up with the money.

2) Sell on the open market. Problem is that market time has risen to the point where the foreclosure process is faster than the tie they have to sell the property.

3) File for bankruptcy. This normally costs $2,500 for the lawyer, filing fees and 10% of the plan debt to the trustee. It also has a 75% failure rate.

Consequently our FSP becomes a very viable option for the homeowner.

So what does this all have to do with the Fresh Start Presentation (FSP)? Remember the Fresh Start Presentation is the Homeowner Options slide show that you have. It goes through the advantages and disadvantages of the seven (7) options available to the financially distressed homeowner.

They are as follows:
1)Sell on the Open Market
2)Refinance the home
3)Restructure the mortgage
4)File bankruptcy
5)Borrow from friends and family
6)Let it go to foreclosure
7)Sell to an investor

Well each type of market has different advantages and disadvantages to the locator.

Use the newspapers to translate into a selling benefit during your FSP. We need to educate the homeowner that we are in a period where houses do not sell for last years prices but that they are actually going down in price each and every day. Time as usual is the enemy of a homeowner in this situation.

A good locator that wants to maximize his sales would do the following:

1)Read the local newspaper where your route is and cut out the articles that will help get the homeowner off the price they thought it was worth. Copy the article and give it to the homeowner when talking about the price.
2)While he/she is reading the article tell the homeowner that the property may be worth 3,4,5,6,7% less by the time they actually move out, the property is repainted and put on the market by the company.
3) This risk is for our company to worry about unless the homeowner decides to try to sell it on his own.

Good Hunting
http://frontgateconsulting.com/

http://frontgateconsulting.com/

Who Should Hire the Real Estate Appraiser and Why?

Everyone involved in the sale of real estate has a vested interest in the results of a real estate appraisal. The outcome affects the seller, the buyer, the lender, and even the realtor.

A too low valuation of the property by the appraiser could mean a seller must lower the asking price. For a lending officer, it could mean a lesser commission or none at all. A too high valuation means the buyer could be paying more than the property is worth. For the realtor, his/her commission could go higher or lower, which is based on the purchase/sell price of the real estate.

An appraiser, who should be licensed by the state, performs the real estate appraisal. It is best to hire someone local with years of full-time experience in order to get a more accurate appraisal. The appraiser and appraisal are governed by the minimum standards, published periodically in the Uniform Standard of Professional Appraisal Practice by the Appraisal Foundation. The Foundation is chartered by Congress.

The recent real estate bubble, unfortunately, brought problems for appraisers and many involved in real estate transactions. According to Realty Times in their April 2006 issue, appraisers have been routinely asked by lenders to inflate real estate values to keep up with the ever-rising real estate market. One real estate appraiser in San Diego quit and turned in his license to the state, after being fired three consecutive times for refusing to inflate his valuations. Now, real estate appraisers across the United States are under a microscope from federal financial regulators and Congress.

The real estate appraiser may be hired by the seller to determine an accurate selling price or by the buyer to ensure the accuracy of the purchase price and mortgage; but generally, the lender does the hiring or uses their own in-house appraiser. Though buyers may assume the lender has their best interest, mortgage lenders have their own best interest at the forefront, especially some not-so-scrupulous lending officers who may be targeting a higher commission.

If I were a seller, I would hire my own real estate appraiser to ensure I was getting the most for my property. As a buyer, I would put the money out upfront to hire an independent and objective appraiser with no connection to anyone within the real estate transaction. This ensures that I do not contract for a mortgage, based on an inflated appraisal valuation, that will give me a new home with a lower or negative equity. The lender still may require a different appraiser.

If five different real estate appraisers evaluated the same property within the same timeframe and under the same conditions, it could result in five different and varying real estate valuations. Why? There is no set checklist or established value for each property feature and amenity. Though appraisals are based on prescribed standards, it is a subjective process.

If there is more than one real estate appraisal and they disagree significantly, you have options. If the value is too low for the seller, renovations may raise the value ? or you can decline to sell. If the lender insists on its appraiser?s value, which disagrees with your real estate appraiser?s value, as the buyer you can look for financing elsewhere ? or decline to purchase the real estate. There also is the option to bring the appraisers together to come to a common agreement on the value.

Remember, the person looking out for your best interest is yourself. Ensure the appraiser in your real estate transaction is reputable, objective with no connections to anyone in the transaction, local and experienced.

John Harris is an expert researcher and writer on real estate topics such as economics, credit improvement tips, home selling advice and home buying preparations. For more on San Diego Homes for Sale visit http://www.twtrealestate.com

Property Price Gains Attract New Buyers To Malta

UK and European investors looking for high growth in 2007 are hoping for a repeat of the property inflation seen in Malta when it joined the EU in 2004, and it could become reality with the news that low cost airlines are to fly to the island, giving their real estate industry expectation that 2007 could be an exceptional year for price rises and sales.

In recent years the arrival of low cost - sometimes referred to as 'no frills' - airlines to a regional airport has seen property prices within a two hour drive escalate in popularity and price, especially among British buyers for France and Spain.

With the advent of these new flights to Malta, there is a possibility that demand for real estate in Malta will increase.

Commenting on the news, Malta holidays guide www.yourmalta.com say that a double digit property inflation figure for Malta is quite possible for 2007.

'Cheap airline destinations have proved to be a magnet for UK property investors, and if that trend continues then prices will go up in the next twelve to twenty four months', they say.

'Other than the local market, the UK provides most buyers for property in Malta, and with the British economy doing well it's quite possible that the island will be seen as a good investment opportunity'.

Malta Weather

Tribune Properties, a UK company specialising in Malta properties, agree that property prices could rise in 2007.

'With lower fares, Malta becomes a destination viable for 3 and 4 days trips a few times a year from the UK, and that will attract buyers to look at Malta in the same way they do France and Spain when considering where to buy a holiday home abroad. The weather in Malta and low fares could be a magnet for buyers.'

There is a warning however from YourMalta that property prices on the island might not necessarily escalate in the same way that regions of France have seen when low cost airlines have started flying to their region.

'The Malta government has allowed more land to be used for property, and we anticipate a lot more apartment blocks being built short and medium term. Supply might well meet demand. Unless the political map of Malta changes and with it a change of policy towards her environment, there is a danger of Malta becoming the Tower Hamlets of the Mediterranean, or 1970's Spain where development spoiled much of the coast.'

Concern has also been expressed on the island about the infrastructure, with some tourists and potential property investors berating the state of the roads and - compared to mainland European and UK standards - dangerous construction sites.

'The real winners from the low cost flights could be the Malta hotels rather than the property industry', conclude YourMalta. 'We envisage a lot more people taking short three and four day Malta holidays, often booking their flights and hotels on the internet rather than via a traditional high street travel agent store'.

Hair Removal Tips For Bodybuilders

by: Mike Jones

One of the most time consuming and frustrating parts of bodybuilding is not building muscles, it's removing unwanted hair.

For any competing bodybuilder, hair removal is a must but it's also growing in popularity among casual bodybuilders.

Before looking at recommendations for specific body areas it should be stated that laser hair removal or electrolysis are regarded as the only permanent hair removal methods.

Although the most effective, they are also the most expensive! For full information on laser hair removal and electrolysis, visit this Laser Research Library: http://www.about-hair-removal.com/Laser-Library

Here is checklist of body areas and recommended hair removal methods for each:

Upper Lip, Chin, Mustache and Beard -

Men: Shaving.

Women: Waxing or sugaring.

Back of Neck -

Men: Shaving, clipping.

Women: Waxing or sugaring

Chest -

Waxing, shaving, depilatories.

CAUTION: Some find the shaving option unacceptable due to the irritation it causes when stubble reappears shortly afterwards. There can also be an acute problem with ingrown hairs in some cases. Once the shaving option is taken for chest hair removal it will need to be done regularly.

Nipples -

Tweezing. Stretch the skin slightly, grip the hair close to the root, and pull gently, firmly and evenly. Yanking the hair may cause it to break off thus increasing the risk of ingrown hair.

Shoulders, Back, Arms, Hands, Tummy -

Waxing, sugaring, depilatories. Waxing or Sugaring is the best method for all these areas. Taking a shower directly after waxing the back helps eliminate the possibility of acne breakouts and skin redness.

Underarms -

Shaving is safe in this area. Hair under the arm grows in all directions so a side to side stroke as well as up and down strokes may be necessary to catch all the hairs. Do not apply deodorants or antiperspirants right after shaving as this can cause acute irritation and soreness. Waxing or sugaring are also safe.

Do not use depilatories to avoid the risk of chemical burns on the sensitive skin in this area.

After the skin in this area has become accustomed to shaving, applying a thin layer of Vaseline petroleum jelly instead of a shaving foam or gel will give a really close shave.

Pubic Area and Bikini Line -If the hair is long it can be cut down with scissors. Then use a waxing or sugaring solution. Careful shaving is also possible.

Genitals - Male -

Hair growing on the shaft of the penis and on the testicles can be removed by shaving using a new wet razor. Great care is needed to avoid cuts.

Genitals - Female -

Waxing or sugaring is generally best. Shaving will only cause stubble to appear after a few days and it may cause skin irritation and painful bumps.

Anus and Perineum -

The Perineum is the area of skin rich in nerve endings located below the anus. In men it extends to the base of the testicles, in women to the vaginal opening. The anus is a mucous membrane. Depilatories should not be used as they can result in serious damage. Shaving produces stubble which may cause irritation as the sides chafe and rub together. Waxing or sugaring are the best methods.

Legs, Feet, Toes -

Shaving the legs is popular but the hair grows back after a short time. Waxing or sugaring are preferred although you have to wait until there is about a quarter of an inch of growth.

About The Author
Mike Jones is a writer and webmaster with over 10 years experience. His recommendation: Hair inhibitors can increase the effectiveness of all the methods mentioned above (with the exception of depilatories). By significantly reducing hair growth hair removal sessions become less frequent.

Click here for details: http://www.1bodycare.com/kalo.htm

EverydayCheap on Divine Skin Solutions Vector Electrolysis Hair Removal System

Florida: 10 Easy Tips to Own that Dream Mansion in The Destination Spot

WHY FLORIDA?

Have the dough? Know not where to put it? Here's the answer.

INVEST IT

Investment is an art! It's not a risk at all!

WHERE DOLLARS FLOAT

Florida is flourishing! Waiting for you! Just know the safest and the swiftest mode of multiplying your money. The answer is Florida! Dollars float on Florida waves. Florida sands reveal more dough. Just dig your heels deep into Florida land.

THE ULTIMATE DESTINATION

It's now or never. Invest in Florida and dance your way to the bank! Florida is the ultimate dream destination. Plenty of open spaces, swirling waves, and plots of houses await you in Florida. All are on sale.

WISH ONE FOR YOURSELF

Dreaming of a lovely house, or an apartment? Just don't tarry! Florida will provide you the roof. Florida will make your dreams come true. Now blow away your blues. Bring in the smell of the Florida dollars!

SEE YOUR WALLET FATTEN

Florida is the key to the dough world! All roads now lead to Florida. Peg your hopes high. Use the Florida slot. Wait for a few weeks. Feel the Florida estate change into hard dough. This is the real hot real estate spot on earth today.

TARRY NOT?

What are you thinking about? The secret is out: Your neighbor has grabbed Florida fortune? Now that you are all ears, its time you move into the beach, sun and sand state. Do I have your attention now? Yes! I very well have it. Re-sell the mansion, or the plot, or the apartment. And, feel the touch of dollars multiply in just a few weeks time.

FINDING THE RIGHT FINANCE MEANS

Obviously, you would be looking out for the banks to finance your dream project. Don't take whatever falls on your plate. Do some researching. Some of the loan-giving institutions charge a flat interest rate. Others have a decreasing rate of interest. Simultaneously, juggle the dough you would be able to spare for the project. Keep a considerable amount for your rainy days. If possible, consult a financial planner. The discussions will open up new avenues.

CHECK OUT THE ODDS

Always check out the odds prior to investing in real estate. Here's a list of the must-do things before you lay down your hard-earned dough for a tenement or a piece of land. And when those objects are really desirable but located far away, you better be careful First, try to rope in the best real estate dealer. The best way to do that is to surf the internet. The net would immediately provide you with the list. (ii) Now it's your responsibility to sieve out the best among them. You can scan the list and also cross-check the testimonials with their owners. All the real estate sites will have such testimonials of their clients. (iii) Communicate with them. (iv) Don't ever take things on face values. (v) Ask questions. Find out the answers the hard way. It's paying this way. (vi) Find out the money transfer details. (vii) Do know who their lawyer is. (viii) Also keep your lawyer informed of the proceedings. (ix) Go for the partial payment mode. This method helps you to monitor the construction of the dwelling place or the development of the plot of land. (x) Lastly agree for the cheque only if you do not have any inkling of doubt about the deal.

CONCLUSION

It is always better to spend some time cross-checking the details. Also do some bargaining. After all, it's your dough and dream!

Nilutpal Gogoi is a writer and a freelance journalist having more than 18 years of service in several audio-visual and print media reputed organizations in North East India. He has published more than 1000 articles and a popular adventure book for children. For more information log on to http://articles.fastrankingsonline.com/

For more ideas on Florida real estate, log on to florida real estate market

investment forum

Where Can I Research About Home Equity Loans?

You need cash and you need it fast, so you decide to take out an Equity Loan on your home. How do you protect yourself? Where do you look for information to make sure you know all the facts before signing on that dotted line and marrying yourself to a long contract? If you live in America, the first place to check is the Federal Trade Commission. The Federal Trade Commission is a federal organization designed to protect and educate the American consumer. And that person is you if you are taking out a loan. They have a website which is located at http://www.ftc.gov and you can go to it for free information. Many rules and regulations are posted to protect the American consumer and explain the different types of Equity loans available in detail.

It also contains a plethora of information on other subjects regarding home ownership and is a great tool provided to you at no cost. Also, you can check with H.U.D. or the United States Department of Housing and Urban Development. Also, don?t forget to check with your state department of housing for information about different types of loans as well. If you?re not very Internet savvy and would feel more comfortable talking with a person, each of these departments have a phone number, as well as offices you may feel inclined to visit. Remember, at the end of the day it is you that has to live with the terms of your loan, not the bank or mortgage company. And most of the time it?s for a very, very long time.

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Identifying Predatory Lenders

Predatory lending consists of abusive practices by lenders within the mortgage industry. These types of lenders strip borrowers of the equity in their home and put them in danger of foreclosing on their home. But one does not have to fall victim to predatory lenders. There are tell-tale signs that everyone should be aware of to help them avoid falling prey. They are listed below:

1. Be wary of and avoid any lender who encourages you to lie on your loan application.

2. Be sure that you are given all disclosures. Check your loan papers and be sure that the Good Faith Estimate, Special Info Booklet, Truth in Lending and HUD-1 Settlement statements are all included.

3. A red flag should be raised if any lender asks you to leave signatures or other line-items blank. Also re-check your documents to make sure that nothing has been altered or changed without your knowledge and/or approval.

4. If a lender asks you to repeatedly refinance and after each instance your monthly payments and total loan amounts increase, you may be dealing with a predatory lender. Shop around and get a new lender as soon as possible.

5. Check the fine print. If you are required to pay daily interest whenever your payments are late, you may be dealing with a predatory lender.

6. If your loan amount is higher than the value of your home, this is reason to give pause and to be alarmed.

7. Be wary of unexpected settlement costs that you were not given prior notice to or explanation for.

8. If your monthly payments or loan is higher than you anticipated based on the disclosures, you might be dealing with an unscrupulous lender.

9. If your mortgage loan requires a balloon payment that requires that the final lump sum be financed with that lender, you may be dealing with a predatory lender.

10. You are not required to buy credit insurance or insurance that will pay off the loan if you die or are disabled. If you are heavily pressured to do so, beware.

Buying a home may be your most expensive and prized possession. There is a lot riding on choosing the right lender. Your credit score, your hard earned cash, and your ability to borrow money in the future are all at stake. This is why it is very important to screen and get rid of lenders who are looking to dupe you out of your money and your home.

For more information on getting better Mortgage Rates as well as great money-saving Mortgage Calculator tips, techniques, resources, and other money-saving info visit www.lenoxnationalmortgage.com

Retail Steel Buildings

Retail steel buildings are great protectors for all types of retail establishments.

Because of multiple advantages, retail steel buildings are becoming popular day by day among franchisee chains and retail developers. It is a time consuming process to construct a retail building. In addition, significant amount of investment is needed. A wide number of pre-engineered steel building systems are in the market to fulfill your retail building needs. The providers of retail steel buildings assist building needs in the most economical manner. By erecting a retail steel building, you can save loads of money than is possible in conventional construction.

Retail steel buildings are designed to prevent the harshest climatic conditions on earth, such as heavy snow, tornadoes and hurricanes. It provides maximum usage of space with minimal investment. These buildings also prevent rusting and rotting. They are available in attractive designs with a variety of panel and trim colors.

Most retail steel buildings come with pre-drilled, pre-cut, pre-punched and pre-welded structures. By utilizing retail steel buildings, customers can uphold a clear span of up to 300 feet wide. Doors, roll-up doors, windows, insulation, ceiling lights and additional building options are offered. Along with these components, numerous exterior choices such as brick, slate, stone and stucco are also supplied to improve the look of the retail steel building.

Other benefits of using retail steel buildings are less maintenance, fire retardant, durability, flexibility, faster erection and cost efficiency. It can be easily expanded to any length according to your needs. Most of the retail steel buildings come with column free designs and do not require interior load bearing walls.

Many companies in this business attach warranty programs on retail steel buildings. They also offer warranty programs on the different components and parts. Almost all retail steel building companies provide project experts, who help all the way from concept to delivery.

Olympia Steel Building Systems, Crown International Steel Building Systems, American Steel Span, Standard Steel Buildings LLC, and General Steel Corporation are some of the leading manufacturers of retail steel buildings.

Steel Buildings provides detailed information on Steel Buildings, Commercial Steel Buildings, Pre-Fabricated Steel Buildings, Steel Storage Buildings and more. Steel Buildings is affiliated with Metal Building Kits.

Tips On How To Use Sugar In Hair Removal

by: Susan Mathiesen

Sugaring, a recipe for hair removal. This hair removal technique starts in the kitchen. Start with a cup of regular sugar, a quarter cup of honey, and juice from half of a lemon. Microwave this mixture for two to three minutes or until it starts to bubble. It should have a smooth consistency at this point. Leave the bowl to cool for about five minutes.

Now that the sugar solution has cooled you need to get a wooden stick similar to a tongue depressor for applying it, while still in the kitchen grab some corn starch. You will also need multiple strips of non colored cloth, cutting up an old white T-shirt works well.

Sugaring works like waxing and the sugar and honey solution will stick to the hairs to assist you in pulling the hairs out by the roots, so unfortunately, like waxing, it will hurt.

Clean and dry beforehand the area you plan on sugaring. Be careful that this area is free from residue of soaps or lotions. It is said that sugaring will work the best on the upper lip hair line and the bikini area. This process is messy so it is best to do this in the bathroom or somewhere you can be sure clean up is as easy as possible.

Start by spreading some cornstarch on the area to be treated. Please note that whatever area you decide to treat the effects will last from two to six weeks with fine hair growth beginning to show about two weeks after the application. The more noticeable hair growths will show about four weeks after application.

After you have prepped the area with the cornstarch use the wooden stick or some similar applicator to apply a thin layer of the sugar mixture. Next, place a strip of cotton cloth over this. Use your hand to apply moderate pressure to this cloth rubbing it in the opposite direction of your hair growth. Take the end of the cloth strip and swiftly snatch it off in the opposite direction from that which your hair grows in. Use warm water on the treated skin to take off any of the sticky sugar mixture which may remain. If you desire, you can put an unscented lotion on the skin now.

Ahh, now you can relax you have mastered sugaring.

About The Author
Angela Myers is a staff writer at http://www.beautytipsdigest.com and is an occasional contributor to several other websites, including http://www.wellness-digest.com.

Hair Removal: Hair Removal Creams

by: Tamra Cantar

For most people, hair removal creams are a safe and effective way to remove unwanted hair and can be used on any part of the body. Consisting of a texture similar to body lotion, hair removal creams are applied directly to the skin in the area of unwanted hair growth and are then wiped away only moments later. While not a permanent solution for hair removal, the effects of creams can last 4-5 days longer than shaving.

The question most people want to know about hair removal creams is: “how do they really work?”

Hair removal creams are depilatory agents, meaning that the hair removal occurs at or above the top layer of skin. Essentially, hair removal creams are composed of chemicals that weaken and dissolve the hair follicle, much in the same way that cleansing agents dissolve dirt. Any part of the follicle that is not completely dissolved will be so weakened by the hair removal cream that it will be easy to simply wipe the residue away with a warm towel, thereby leaving the skin smooth and hair free.

In general, the best method for applying hair removal cream is to wait until after a hot shower. The steam and hot water will loosen the hair follicle and actually have the effect of stretching it further past the layer of the skin than if the hair removal cream were applied to skin that is body-temperature.

Apply the hair removal cream liberally across the skin in the affected area. Dab the cream onto the skin; don’t rub, as rubbing will force the hair removal cream into the pores of the skin, thereby risking the chances of the cream becoming unduly invasive. Let the cream sit for 5-8 minutes, or as directed on the packaging.

Once the allotted period of time is over, use a warm washcloth to completely remove all traces of the hair removal cream from the skin. Rinse the skin in warm water to cleanse the pores. If necessary, you can even step back into the shower. Avoid using any other chemical products on the skin, including lotions and makeup, for 2-3 hours. If the skin becomes dry and red, it is okay to apply a small amount of mineral oil in the affected area.

It is important to note that while hair removal creams are effective, they perform the same basic functions as shaving, but with considerably more need for precaution. It is advised that one never leave the hair removal cream on the skin for longer than the amount of allotted time on the packaging. If the hair removal cream is left on for too long, the user runs the risk of damaging and even scarring sensitive skin. Therefore, it is also advised that one purchase and use a cream that has a mineral oil component, as hair removal creams containing mineral oil tend to be less abrasive to the skin.

It is also not advised that one uses a hair removal cream while also on other medications, such as Retin-A, as the chemical components of the two medications may interact. One should never use a hair removal cream around the eyes, even in small dabs. Using a hair removal cream on the face is generally not a great idea.

Hair removal creams are safe, effective and a great method of removing unwanted hair. The effects last for up to 3-4 days longer than traditional shaving and are often less time consuming to apply than shaving. If you haven’t tried this hair removal method yet, take the plunge! You’ll love the results of smoother skin.

About The Author
Tamra Cantar is a freelance writer on topics of interest and has a website dedicated to providing the visitor with useful information and resources for hair removal. Visit http;//www.hair-removal-systems.info for more information on creams and other hair removal techniques.

Can You Afford Laser Hair Removal Treatment?

by: Tami Cantar

Well, you’ve checked out some local clinics and you know the risks involved. You like the look of everybody’s ‘before and after’ pictures and you’re all set to part with your hard earned cash. But how can you be sure if your local professional isn’t making you pay through the nose? Here’s how. You need a critical overview of the guide price for all laser hair removal treatment, as well as individual prices for some of the best laser clinics out there.

First though – a warning. Every practitioner will tell you they’re the cheapest, just as every form of hair removal will boast its long term cost-effectiveness over its closest rival. This can make it difficult and misleading at the start of your search. The best thing to do if you’re shopping around is to get as many quotes as you can for the same length of treatment. You’ll begin to see the patterns, and you can decide for yourself if lasers fall inside your budget or not. For lengthy hair removal requirements, you may decide that waxing didn’t hurt that much after all.

The other thing to consider is whether or not you’re a good candidate for laser treatment. Light skinned consumers with dark hair have the best results, and grey, red or blonde hair tends to take a lot longer. So consider how many treatments you’re likely to need. How big and how dense is the area requiring treatment? Along with your practitioner and geographical area, these factors will all influence the sale price.

The national average for one basic treatment of laser therapy is about $360. It’s a little cheaper in the South, and getting on for $500 in the Midwest. Of course, most consumers who are serious about hair removal won’t stop at one treatment, so a lifetime’s supply of laserology could set you back many thousands of pounds, depending on the ‘uniqueness of you’, and on the effectiveness of your chosen professional.

Palmer Dermatology of Centerville, OH, charge $200 per treatment, and recommend 3-4 treatments for best results. A 6-treatment package for your bikini line at Aptos Medical Arts, CA is $500. And Sona, the nation’s market leader, don’t even mention the bottom line – money is no object when it comes to your ultimate solution. If all this sounds a little too rich for your taste, just remember a pot of Aussie Nad’s Hair Removal Gel is just $25…

Remember, you shouldn’t necessarily take the price list of your local laserologist as written in stone. Ask for special offers. Explain that you’ll be a regular customer, you’ll be parting with a lot of money and you want to pay for all treatments upfront in exchange for a discount. Beyond this, you can bring a friend along and see if you’ll get a discount for a referral. Ask if they run financing schemes in exchange for buying for multiple areas or ‘packaging’ with another procedure.

Doctors and laserologists are business people too, and they want you as a customer. Think about your options, and don’t be put off at first glance.

About The Author
Tamra Cantar is a freelance writer on topics of interest and has a website dedicated to providing the visitor with useful information and resources for hair removal. Visit http://gohairremoval.com for more information on laser and other hair removal techniques. Tamra Cantar also has blog which features various articles on the subject. You can find this at http://hair-removal-systems.info

Hair Removal: IPL Hair Removal

by: Tamra Cantar

IPL Hair Removal Therapy
A Permanent Hair Removal Solution

IPL, or Intense Pulse Light, hair removal is a popular method of removing unwanted hair from the body, particularly from the face and eyebrows. IPL therapy works by focusing a high frequency ray of light directly onto the hair shaft. The light depletes the hair follicle of moisture, causing it to burn up and die. Because IPL hair removal therapy eliminates the unwanted hair from the hair root to the tip, IPL has proven to be a very effective long-term hair removal technique.

IPL hair removal therapy is one of the more expensive hair removal methods available. Therefore, it is important that you educate yourself about the facts before making the financial and time investment into IPL therapy. Read on for some important information.

For those individuals looking for a more permanent solution for hair reduction, IPL hair removal just might be the answer. IPL hair removal eliminates the hair all the way to the root by dissolving or burning the hair follicle. When the light reaches the root, it not only eliminates the hair, but it also sends a shock to the base in which the root grows. When the light comes into contact with the skin in the base, it welds it together, stopping the flow of blood. As the flow of blood to the area ceases, the hair root can no longer get the nutrients it needs to grow into a full length of hair. Thus, the hair is permanently removed.

Often, it takes more than one treatment to fully remove the unwanted hair using IPL therapy. When the light welds the skin, it usually does not weld the full area in the base. Blood can still flow to the hair shaft and follicle. Yet because the area will be partially welded, the hair will grow back lighter and less thick. This process will lead to a dramatic reduction in the amount and coarseness of hair, ultimately leading to its permanent removal.

Because IPL therapy works with lasers, or high intensity light, the hair follicle needs to have some color that the light can, essentially, cling to. Therefore, IPL hair removal therapy will not work with blond or light brown hairs as well as with darker hairs. However, IPL hair removal therapy can help to reduce the coarseness of all hair, including blond and light brown follicles.

There is some debate as to whether IPL therapy can lead to scarring. Those nurse practitioners in favor of electrolysis will tell you that IPL therapy is unsafe because the laser is pointed directly at the skin and can burn it. Those in favor of IPL therapy protest that electrolysis tends to be the more dangerous hair removal process.

The best thing for you to do to ensure your own safety is to test the method you’d prefer on a small patch of skin elsewhere on your body. Wait several days to observe the results of the therapy before making your decision. Remember: especially with the face, scarring is permanent. Though there are methods available to correct scarring, it will never fully go away.

If you are looking for a permanent or semi-permanent long-term hair removal method, IPL hair removal therapy could be right for you. Consult a local esthetician for more information and pricing.

About The Author
Tamra Cantar is a freelance writer on topics of interest and has a website dedicated to providing the visitor with useful information and resources for hair removal. Visit http://www.hair-removal-systems.info for more articles and information on IPL and other hair removal techniques