Guide

Coffee-Filter Flower Garden

While winter snows drifted over the Heartland this week, Nia, Hunter, and I have had a delightful time making this coffee-filter flower garden click this over here now to get… Read more »

Seo And Seo Techniques

A Tax Break For Those With Student Loans

Computer and Technology

Food

How to Reduce Salt in Your Diet

Health

Natural Mosquito Repellent

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Gotye Song Somebody I Used to Know Performed on Saturday Night Live

The first time I heard the Gotye song Somebody I Used To Know on the radio, I was sure that Sting had released a new song, but wondered who the female voice belonged to.

After hearing the song a time or two more I was intrigued enough to do a google search. Somebody I Used To Know has kind of an unusual, kind of exotic flavor to it and Sting has been known to experiment with different sounds.

Lo and behold, I discovered that not only was Somebody I Used To Know not Sting but was a singer called Gotye I had never heard of. The female voice in the song was Kimbra, who was also unfamiliar.

Once you hear this song a few times, it is really hard to get it out of your mind, and I mean that in a good way. Anyone who has ever had a less than an amicable, Hollywood air-kiss breakup of a relationship can relate to this song also. Information about LiveTV is made available to the audience and establishing of the relationship should be strong and durable. For the purchase, the use of the skills and expertise should be done. The involvement of the money and effort is appropriate for the engagement of the audience and visitors. 

In fact, the day I first heard Somebody I Used To Know, I had just seen an old flame from over a decade ago in a local hardware store.

Instead of speaking as she did the first few times we had encountered one another, I just got a death stare this time for some unknown reason. It’s just as well, because I had long since moved on from the little over a year long debacle which turned sour after a couple of months. After the initial high, the relationship then just fermented until it was unbearable due to her manipulative nature, insane jealousy, moodiness and generally ultra high maintenance nature.

The song was perfect, I recall thinking on the way home, for the way I felt at that moment. She was just somebody I used to know.

On April 14, 2012, Gotye, real name Wouter “Wally” De Backer and New Zealand singer Kimbra reunited to perform Somebody I Used to Know on Saturday Night Live.

The duo gave a good performance, recreating the sound of the worldwide smash true to the radio version. Of course, Gotye and Kimbra were unable to recreate the song’s video which would be an impossible task, if you have seen the video of Somebody I Used To Know.

There was even a skit featuring a newspaper reading Gotye trying to relax in his SNL dressing room while being continually interrupted by Andy Samberg and another male cast member as obsessive Gotye fans performing their version of the video.

Hosted by Josh Brolin, the 4/14/12 edition of SNL was one of the better ones I’ve seen this season with an opening spoof of the seemingly never-ending GOP primaries with most of the various Republican candidates for President “represented.”

There was no Ron Paul, but the Keebler Elf-like Congressman was never the front runner. The skit focused on all the different front runners as appointed by the media at various times over the last year.

All in all, it was a good show with a fine performance of Somebody i Used To Know by Gotye and Kimbra.

Coffee-Filter Flower Garden

While winter snows drifted over the Heartland this week, Nia, Hunter, and I have had a delightful time making this coffee-filter flower garden click this over here now to get a look at that. What kid doesn’t love water paints? (I do now have a blue-green paint stain dribbled across my wheat colored dining-room carpet, but I’ll get it out somehow.) Any children’s water paintbox will do. Parents, it’s up to you if you want to cover your child’s play clothes with a paint shirt. We’re pretty daring around here because we don’t. (That’s how I get blue-green paint stains on my carpet.) This, though, is really about spending quality time with the kids so I’m not going to sweat a little mess.

Here’s what you will need:

A box of watercolor paints    A package of 12 x 18-inch construction paper    A package of coffee filters    Glue    Scissors    Old newspapers    A glass of water    A pencil with a good eraser    Paint shirt (optional)

Day 1

I’d recommend you set up a card table and cover it with newspapers to paint on but any flat surface will do You’re also going to need to cover a second flat surface covered with old newspapers for the center to dry the wet coffee filters.

There are no mistakes here. Allow your children to experiment. I recommend you limit them to two paint colors per coffee filter so you don’t wind up with something that looks like brown mud. Otherwise, have fun with it. Dab the first color in various spots on the flattened coffee filter. Clean the brush with clear water. Then go back and fill in the blank spots with a contrasting color. The colors should bleed together at the edges. If they do not, drip a little water on your coffee filter until they do. Then remove your coffee filter to your drying area and begin a second one on a dry section of the newspaper.

Make a variety of colors. I recommend at least 5 different colors, green definitely being one of them. Make at least 12. This is more than you’ll probably use, but then if your child cuts out something he or she isn’t happy with, you’ll still have enough. Coffee filters are cheap enough you’ll be glad you had a couple of spares.

This will take the better part of an hour. The children will realize that if they dip a coffee filter on an area of the newspaper already wet with watercolors, it will absorb the colored water and result in another interesting effect. Let the coffee filters dry overnight.

Day 2

Select a contrasting color of construction paper to glue flowers on, probably sky colors seen in nature. Blue is of course the most obvious choice but truly isn’t the only one. We all see a variety of things when we look at the sky, even black at night so be creative.

Fold a coffee filter in half. Then fold it in fourths. Then fold it in eighths again. If your child has great fine motor skills you can fold it one more time. With a pencil have your child draw an oval petal shape on the coffee filter, being sure to leave it still connected at the center. Then with scissors cut it out. (If the penciled oval is done wrong, it’s easily erased. Just do it again until the desired shape is accomplished.)

Open up your flower and you have a beautiful mottled flower shape. Trace the edges with a fine bead of glue, and attach it to the sheet of construction paper. If there’s too much glue, mop it up with a Kleenex or paper towel right that moment. Then make another flower shape.

I recommend odd numbers on your paper, but if your child winds up with 6 don’t worry about it. They still look great. Aim, though, for 3 or 5 or 7. This is a great time for children to understand that things overlap in nature, so things can overlap with their art project.

With a contrasting color, cut a round circle for the center of each flower and glue. Do not worry if they are perfectly round. Remember, there are really no mistakes here.

Sometimes the colored paper meant for discard has shaped every bit as interesting as what the child planned to cut out. This is called a negative effect. Usually, those pieces can be used as well for an additional interesting effect. Press them under your plastic-wrapped package of construction paper to add a little weight to them so they will dry flat. The cost of this project is really minimal. I already have all of these materials and didn’t have to shop for anything.

Involve your children in the clean-up process. This is fun, but it should also be a lesson in life skills, “Make a mess, clean it up!”

Have fun, and be ready to mount these winter projects on your wall somewhere, because they are going to be beautiful!

Can You Make Money Reviewing Anything On Reviewstream.Com?

Reviewstream.com is a web site that pays people for submitting reviews of pretty much anything. When I say “anything,” I mean “anything.” Reviewstream’s home page even claims you can submit reviews of your neighbor’s pets. The home page also indicates that the current rate for customer reviews is $2.00 USD. However, before you immediately head over to Reviewstream, let me share with you my experience writing for this company.

Payment Rates

First, understand that Reviewstream.com pays the $2.00 rate on only a small percentage of reviews. The web site does not provide any criteria for submissions, so it is difficult to know what kind of reviews are deserving of this rate. The restaurant reviews I submitted usually netted a $2.00 payment. So did the reviews of airlines, hotels, and some electronics. However, there appears to be an unwritten rule that such articles must be at least 500 words to receive the $2.00 payment. A review of my iPod Shuffle netted only a “bulk rate” payment, apparently because it was too short.

What is a “bulk rate” payment, you ask? It is the payment you will receive for the vast majority of your reviews. Over ninety percent of my reviews received bulk rate payments of $.40, or 1/5 the regular rate. So toss those thoughts of making $12.00 per hour out the door! This information is not provided on the main page. You have to dig around a little to get it.

After checking the Evergreen Wealth Formula review, the payment should be done for email marketing. The information should be great to obtain learning fashion from online websites. After checking the reviews, the profits and benefits are increased with the people. A registration is done at homepage to get the desired results in online learning.

Topics

So you will not be paid $2.00 per review for most of your submissions, but can you still submit reviews of anything? After writing for Reviewstream for over six months, it is still hard for me to answer that question. I was paid for some really random submissions, like reviews of children’s books, my dogs, my car, and even fast food restaurants in my neighborhood. I never really understand why Reviewstream paid for these. Who cares about whether I like my dogs or whether my daughter enjoyed one of her several hundred children’s books? I still don’t know the answer to that, or how Reviewstream makes money on these types of reviews, but I was usually paid.

I say I was “usually” paid because some of my reviews were rejected. Reviewstream rejects reviews for mysterious reasons, responding only with a canned e-mail response. A few times I received a message that my review “was not valuable” to Reviewstream. Keep in mind that the web site contains not one shred of advice about what kind of reviews are “valuable.” Also keep in mind that the main page says you can review your neighbor’s dog. If that sort of review is valuable, exactly what kind of review is worthless?

Communicating with Reviewstream

Communications with Reviewstream are non-existent. The company provides no contact information other than a yahoo e-mail address. The company does not provide the names of any of the people who run the web-site. I heard from someone that the company is based in New Zealand. Wherever the company is based, the company’s representatives type in very poor English. This is somewhat ironic, considering the nature of its business.

The welcome section on the top left part of the home page refers to “technics,” whatever those are, and refers to your “neighbors pets” with no apostrophe. Elsewhere on the home page, sentences are not capitalized. E-mail responses from Reviewstream contain poor English as well. Reviewstream also apparently sends representatives out to internet message boards to defend the company. I have read multiple threads containing a response from Reviewstream containing appalling grammar and spelling.

The web site itself is awkward and difficult to navigate. There is no way to communicate with other writers. All of these issues raised red flags in my mind, but I continued with my writing to see if I would actually be paid.

High Pay-Out

The payment requirements are another issue of concern. You have to reach $50.00 in reviews to be paid. So if you are submitting $.40 bulk reviews, you will have to write 125 times just to be paid once. I am happy to report that I was paid, as promised. In fact, I was paid three times. Every time I reached $50.00, I e-mailed Reviewstream (you have to request payment), and I received full payment within 48 hours.

I no longer write for Reviewstream. I found myself just cranking out low quality reviews to get to the next pay-out. I mean, why does a review of my dog need to be well written? I wrote short reviews and it was still a grind. I mean, even if you crank out ten reviews per hour (which is very hard to do), you are still only making $4.00 per hour.

My admittedly low-level content was far superior to ninety percent of submissions on the site. Some of the reviews appeared to have been written by second-graders or by people who just learned English. I kept wondering who paid for this stuff. Also, Reviewstream rejected a large block of my reviews right after I reached my last $50.00 pay-out. The timing of this was very suspicious. It almost seemed as though Reviewstream wanted me to just cash out and then start all over again. After all, if you start over and write thirty or forty reviews and then quit, you wrote that batch for free. Considering the high pay-out, I would anticipate this happens quite often.

I will not recommend Reviewstream to anyone, but I have to admit I was paid every single time I requested payment. You can decide for yourself whether you are interested.

7 Considerations for Insuring a Commercial Truck

For people who are acquainted with purchasing insurance for their personal vehicles, the process for buying insurance for a commercial truck will not seem too unfamiliar. The big difference is in the size of the policy and its cost. Like anything in the business world, insuring trucks can come with a scary price tag.

You need to know the type and size of truck that you will be insuring.

While the make of the truck does not always have the same effect on insurance rates that the type of car does, it can be a factor in premium costs. The size of the truck does make a difference. Larger trucks cost more to repair, are harder to stop, carry more freight, and can do more damage quickly than small light weight vehicles. All of these items spell additional cost to the insurance company when picking up the cost of an accident. Some consideration is necessary for the owner to take comprehensive car insurance covers you for damages. The amount should be less with the insurance policies to get the benefit. Additional charges are not charged to meet with the requirements of the owner. The terms and conditions should be read through the person to take the policy. 

Plan to be asked how the truck will be used.

Commercial trucks range from pickups supplied to field supervisors up to those mega-trucks pulling three trailers down the highway. If the truck is to be a personal vehicle for an employee, it will not be a lot different to insure than your car. Delivery trucks, work vehicles, and those that haul freight across country are a lot different.

How many miles will the truck travel in a year?

Lightly used vehicles will cost less to insure. Also, if the truck will not be used regularly in dangerous neighborhoods, it will make a difference. If the truck will be covering hundreds of thousands of miles every year, it will increase the chances of something happening that will result in a claim.

The type of freight that is hauled will influence premium rates.

For those trucks that will only be hauling toys, tools, or non-explosive cargo, the insurance company can offer better rates because the liability is so much less. Tankers that haul fuel or other explosive cargo are a huge risk in the event of an accident. The cost of the vehicle can be very minor compared to the size of ensuing lawsuits from a collision with one of these monsters.

Maintenance and the skill of the driver can be a factor.

If you can prove that the truck is well-maintained and driven by expert safe drivers, you will save many dollars. However, if you cannot verify this to the insurance company’s satisfaction, you will be penalized. Keep your vehicles in better condition than the state requires to get lower insurance rates.

Always get multiple quotes for the coverage desired.

Insurance rates can vary significantly from insurer to insurer. Just this one item can save up to thousands per year depending on the type and use of truck you are insuring. Try to get at least three quotes. Five is better.

You need insurance to cover your company’s assets and the cargo being carried.

When lawsuits happen, they eye the financial assets of the company to decide on how much to seek in damages. Your policy needs to protect your company’s total assets. Customers have a right to expect you to repay them for damaged cargo entrusted to your care for shipping. If you are not experienced in purchasing these types of policies, interview some of your competitors and numerous insurance agents to become educated before making your final decision on an insurance policy and company. You need to be sure that your insurer has a good history of paying claims on a timely basis.

What Are The Methods For Availing Moving Services?

While considering moving services, it is important for you to go through the right and legalized service. The main priority should be taking care of your essentials and belongings safe. There are different categories available in finding the right moving service which will suits according to your requirements. There are not only one or two moving companies you will find that there is a varying range of moving companies available in the market. You can also go through the trusted movers in Edmonton which will help you to avail new moving services. in the lower section you will be going to read about the different methods for availing moving services such as:

  • Considering a full-service moving company:

generally, the mover which is expensive is popular such that you can consider a full-service moving company which will provide you with lots of options. They will manage all your belongings and also package them. From unloading the belongings from the truck and transporting on the right destination. These full-service moving company take cares of all the things.

  • Considering a self-service moving company:

considering a self-service moving company is also beneficial for you because here they will deliver all your belongings on the front gate of your house. Not only this but these types of companies will also handle all the belongings which are kept for transportation services. It is your responsibility whether you need too go for a self-service moving company or not.

  • Considering a specialized moving company:

there are several people who go for specialized moving company and fortunately it is better and convenient because here they will provide ultimate security for keeping all your belongings safe.

All the crucial methods for availing moving service is listed in the upper section through which it will become beneficial for you to find the right moving service.

Top Benefits Of Suspended Fireplaces For Your Home

Having a fireplace in your home is necessary, especially if you stay in a region that has long winters or cold temperatures throughout the year.

Heating systems are expensive and can dry up your pockets on long usage easily. This is when installing a fireplace seems like a good idea.

There are many different types of fireplaces available these days, and depending upon your home décor and available space, you might want to consider installing a suspended fireplace in your home.

Here are it’s few benefits 

  • The suspended fireplaces run on gas, which makes it more energy efficient. Rest assured that with suspended fireplaces, it would help you reduce your energy bills drastically.
  • The suspended fireplaces are stylish to look at while being highly functional. They can be installed at the corner of your home or right in the center, depending upon your preference. They do not run on wood or other foul gas-emitting fuels, and thus, you can be sure they are safe and less expensive.
  • There would be no worries of running out of wood for your suspended fireplaces as it runs on gas.

  • The suspended fireplaces are environment friendly, and you can be sure of having a good experience using it.

These are the few benefits you might want to consider when looking to install a fireplace at your home. Thanks to modern innovations and creativity, the consumers have lot more options than ever before. Choose wisely, and save on energy bills with a fireplace.

Seo And Seo Techniques

SEO- Search Engine Optimization, in simple words, is a technique of putting your Web site on the first one or two pages of a search engine’s search results. Before we jump into the specific SEO techniques, we need to know how the search engines seek out our Web sites. In a very straightforward manner, search engines send crawlers to search through your site.

Your goal, (once your site is found) is to get your site to the first page of the search result. To ensure that your site comes within first and second pages of the search results (when a keyword match is found), few techniques need to be followed and this is where Clovis SEO means come in. There are various trends and techniques that revolve SEO practices and some of the most common ones that most SEO is driven Web sites to use or should use are explained below (in no particular order).

This article breaks down the SEO techniques into two parts; technical details and non-technical details.

Technical Details

The way a Web site is built and coded determines an important factor with regard to the SEO aspect. A Web site should be well indexed which makes it easier for the crawler programs to crawl through. Here, we discuss the issues which help in better indexing of a Web site.

a.Title Tag

We begin with the topmost attribute of a Web page; the TITLE of the page.

“SEO Technique”

The title of your Web page can in itself act as a keyword for your visitors and also for the crawlers. At a go, your visitors will get to know the theme of the site and as for the crawlers, the title tag helps in the indexing of your Web site. So, it is essential to decide on a good title for the page that serves both as a title and a keyword.

b.Meta Tags

Two meta elements that are essentials for search engine optimization would be description meta tag and the keyword meta tag.

The keyword tag is the tag where you can store keywords related to your site’s content which acts as an indexer for your site and easier crawling by the search engine crawlers.

Though due to “keyword stuffing”, many of the search engines now almost disregard the ‘keyword’ tag, you can always keep it as an indexer in your source code.

The description tag as the name says contains a description of the Website when the Web site comes in the search result, this description is the first thing users see. Therefore, this description should be short and to the point and as descriptive as possible with the use of the major keywords appropriate for the site. But don’t make it too long and boring. It’s best to keep it short and simple yet providing enough details about the site which makes the user want to click on the link and search crawlers to understand what the site is about to bring the Web site within the first one or two pages of the search result.

c.Heading Tags and Alt Attribute

The heading tags, etc are commonly used tags for providing the main page heading, the title of a paragraph on the Web page, etc. It is always a good practice to make use of heading tags on your Web page. From a user’s perspective, the headings provide a visual break and as for the search engine crawlers, these tags help to better index your site, helping the crawlers to understand the content of your site in a clearer manner.

The alt attribute, a property of the image tag ” is provided so that when an image cannot be displayed, in place of the image the text in the alt attribute shows. If the image is displayed the text (given at the alt) shows when you mouseover on the image. If we use the alt attribute in the image, there will be more related words appropriate with the content of the site which helps in better indexing of the site; which in turn helps the Web site to show up within the first pages of the search results.

d.XML Site Map

A site map provides the number of pages a site contains in other words a top-down view of the site content on the whole. An XML site map acts as an excellent indexer for your Web site. In the current times, an XML site map is a must if you want your Web site to be crawled through and through or better still if you want your site to appear into the top two pages of the search results.

There are many advantages of keeping an XML site map for your site, one being that it helps find dynamic pages, which can only be accessed through forms and other entities. The site map indicates or indexes for the crawler to find these pages.

Search engines are still not at proper terms with anything that is not HTML, Flash being one of them, so there’s a chance that crawlers might outlook Web sites created with flash or menus created with flash. An XML site map helps to solve this issue; it helps find all your Web site pages including those built with flash or JavaScript.

The above were some of the technical aspects of search engine optimization. Apart from these, there are other non-technical factors that affect search engine optimization.

Link and Socialize

Link to other people’s sites, submit your Web site to directories, make good use of the existing Webmaster tools, and with social media giants like Facebook, Twitter around its easier to spread the word and let people know that you exist. Build a network, tell people about your site.

As goes with any relationship, maintain the practice of giving and take; link other friend’s site to yours, retweet, share, link back and help people and you’re sure to get the favor back.

Content

The above techniques, if gone well then we have your site appeared on the first two pages of the search result, managed to get enough attention of the users, and have them clicked on the link. So what next, are we just looking for users to click on our Web site link? No, we are not, our initial goal is to bring users to our site, let the world know we exist but our ultimate goal is to grow our site and we can only do that if our visitors stay or in other words comes back to visit our site again.

For your visitors to come back to your site again, the content of the site and how it is presented plays a vital issue. It is very IMPORTANT that you keep your Web site content related to what you say it is. This means that if you have mentioned one thing (say, how to grow apple trees) in your titles and meta tags and you give something completely different (say, how to fix a doorknob) it’s a major negative marking for your site. When visitors will finally reach your actual content, not getting quite what they expected that is content relevant to your main page or title of your site will ultimately drift your readers and visitors away. So, take an extra effort on the content of your site. Do a bit of research on the topic you have in mind, plan ahead what you want to give your visitors and how you want to present it.

On a personal note, your Web site is an extension of your thoughts and imagination, put some heart into it, be it the design the layout or the content, if you can touch your reader’s senses through your site they’re sure to keep coming back and you’re sure to make them stay. Enjoy SEOing!

A Tax Break For Those With Student Loans

It is well known how those with college degrees, on average, earn much more over their lifetimes than those without. Even those who just attend college for a few years will generally earn more than those with just a high school diploma or a few years of high school.

Even so, nobody really enjoys repaying the student loans that made the college education possible. Nobody really loves dropping those checks in the mail or watching automatic deductions go out of the bank account. There is all that interest being repaid, for one thing.

But the time of year is approaching when those repaying federal student loans can be happy about it. Tax time, dreaded for so many reasons, has a hidden benefit for those whose hard-earned dollars go towards interest owed on student loans.

It’s well known that homeowners can deduct the amount of interest paid on their mortgage payments. It’s not so well know that the same can be done with student loan payments. (Note that this only applies to federal student loans, not private loans.) And sometimes the amount of interest paid can be substantial, especially if the borrower owes a great deal of money, has a high interest rate, or owes a lot of accrued interest. A borrower is even eligible for this deduction if the loans have defaulted, as long as he or she made payments during the year.

To take advantage of this tax deduction, the student loan borrower must provide the amount of interest paid on a federal tax form that lists these deductions. For most of us, that means filling out a 1040 or 1040A (or the online equivalents) rather than the 1040EZ. Not all free online tax software, by the way, allows for this deduction.

But how does a taxpayer know the amount to list on the tax form? Each January, the student loan lender should send the borrower Form 1098, which provides the amount of interest paid during the proceeding year. If a borrower does not receive Form 1098, he or she should contact the lender or servicer to request another copy or a written statement that provides this figure.

Although a student loan borrower cannot deduct more than $2,500 on his or her 2006 tax return, every bit helps.

To learn more about the student loan interest deduction, access the Internal Revenue Service’s Web site at www.irs.gov/formspubs

You may also want to visit the websites of some of the reliable and reputable loan agencies out there. One example of such agencies is the Majestic Lake Financial, Inc in Upper Lake. You can choose this agency to support any endeavors that you want to pursue.

You’ll want to request the booklet called “Tax Benefits for Higher Education,” or IRS Publication 970.

The publication also discusses several other tax breaks — like deductions for certain education expenses — that might also interest you.

Repairing Your Credit After a Foreclosure Or Shortsale

In a typical foreclosure situation, the house is the last thing the borrower typically stops paying on. Meaning credit cards, cable TV, and family loans all take a backseat to the usual hoops a homeowner goes through in an effort to save their home. It can be compared to catching a knife falling from your kitchen countertop; not a very good idea.

When the foreclosure process is complete; be-it from a short sale or a judicial foreclosure, the former homeowner/s typically have a FICO score of approx. 200 points less than what their credit was prior to their first missed payment. If you or someone you know is in this situation, here are some tips that will exponentially improve a less than remarkable credit score. Along with that, you can also recommend the Blue Water Credit restoration which is a reliable way through which you can improve your credit score.

  1. Do not close Current Accounts

Keep any tradelines (even those in bad standing) below 45% of their maximum allowance. Remember, only 35% of your FICO score is based upon past performance.

2) Do not Apply for New Tradelines

If you already have 3-4 credit tradelines (even those in bad standing) do not apply for new ones. While that might not be worth mentioning it is important to note that unless you have “opted-out”, your credit report can be re-sold and run several times by “credit repair agencies” that will attempt to solicit your business.

3) Be a Joint User

Consider bringing added as a “joint user” (not an authorized user). If you have someone whom you explicitly trust (and who trusts you no less) they can add you to their best tradeline as a joint user (if the creditor permits) which will allow you to ‘absorb’ the entire history of that particular tradeline.

Beware: You will be equally responsible for all payments including purchases made prior to your inclusion, additionally the creditor will be sending a bill to your residence and in your name.

4) Opt-Out

Not so long ago credit reporting agencies began peddling your credit reporting activities to interested parties, and what you thought was one simple credit report can show up a months later as multiple reports being run by multiple companies. Opting-out only takes a few moments and can save you from credit dings caused by too many inquiries.

5) Beware of Credit Card “bail-out” plans

Every day you can hear advertisements on radio and television implying that the government is sponsoring a credit card “bail-out” plan for struggling debtors. There is no credit card bail-out plan – period. Beware especially of any companies asking for advance fees, and ask for referrals.

Hopefully, these tips will help make the credit repair treadmill as easy to bear as possible. Two years is not an unreasonable period of time for most former short sale homeowners to be able to qualify for an FHA loan, while judicial foreclosure can take a while longer.

Inexpensive Gift Ideas For The Holiday Grab Bag

Holiday grab bag gift events are a staple during the Christmas season. With all of the other financial obligations this time of year, feeling that you are required to participate in one of these grab bag gift activities may cause a little bit of stress. It may seem impossible to partake in the event with a budget of only $5, but that simply isn’t so. A simple sawbuck can purchase a very useful and appropriate gift.

Journal and Pen Set

Pouring your innermost thoughts into a pretty journal is a great form of therapy. Despite popular opinion, this practice is not limited to teenage girls. Head to your local discount store and purchase a cloth bound journal book and a packet of ball point or gel pens. Not only will you be offering a great grab bag gift, you may also be exposing the recipient to a form of self expression they may not have been previously familiar with.

Cooking Utensil Bundle

A recent trip to my local dollar discount store showed me the many bargains to be found there for the holiday season. A $5 bill can buy you a nice assortment of spatulas, measuring cups and kitchen towels. Wrap up a nice bundle of quality cooking essentials with a pretty ribbon and include your favorite dessert recipe printed on a colored piece of card stock. The recipient will have no idea that you spent such a small amount on this lovely present.

ELF Makeup Tray

The ELF line of makeup products are not only affordable, they are of quality material as well. Five dollars can get you a nice tray of eye shadows, blushers and bronzers or nail polishes. Think about what would be most appropriate and appreciated among your gift recipients and make your selection accordingly. Wrapping the cosmetic tray in festive wrapping paper will add to the appeal and give the impression that the gift is far more luxurious than the price dictates.

Clearance Movie Disc

With the advent of the newest technology, the DVD is going the way of the VHS. Now is the time to capitalize on the trend and score some great classics for a song. Scour the bins of your local discount store for a great film on DVD and you will surely pay only $5 or less. Wrap it up in colorful holiday paper and rest assured that your grab bag offering will be received positively.

Candy Gift Bag

The holiday season is a great time to purchase sweet treats such as chocolates and hard candies. keuze helper Stores generally mark down their candy gift boxes or bagged candies in anticipation of holiday gift giving. Assemble a pretty gift bag with an assortment of chocolates and peppermints and tie it all off with a pretty ribbon. Be sure your food offerings are wrapped securely or are in their original packaging so that recipients will feel comfortable while indulging. If you are so inclined to baking or candy making, feel free to include some of your homemade treats in the package. This also be a Cadeau meisje 5 jaar. We all know that kids love candies. So why not pack some of the best sweets that you can buy in the market and add some creativity on it so both kids and adults will like it.

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