Injuries can happen any time. Accidents are an integral part of this life. We grow up bumping, stumbling and colliding into things until we’re wearing bruises, scabs and scars as comfortably as we wear our clothes. It’s that preparation as we grow up that helps us avoid them when we’re older which is why it seems that the injuries we do suffer from are even worse than those that we had when we were younger. Last year I fell right off a ladder that I was using while working. I arrived at the San Jose accident injury chiropractor – the last place I thought that I would ever end up at.Continue reading
When I was younger, my parents were one of the few people I knew who saw a chiropractor on a regular basis. They still see one, and I have followed their trend in doing so. While it is a lot more popular now, I do it because I have seen how my parents have taken care of their health and their bodies over the last 30 years. Going to a San Jose chiropractor has really helped them with various issues, and they are healthier than most people their age. I attribute a lot of that to the careful decisions they have made over the years.
I made my first appointment when I was in high school because I played a lot of sports.Continue reading
My mom was involved in an accident several years ago. She did receive treatment for her injuries, but she never fully recovered from them. We thought that it was just something that she was going to have to live with the rest of her life, and that made my brothers and I very upset. Mom took it in great stride though, and she rarely complained about how she was feeling. I was talking with a friend about it after Mom had a bad day, and she told me that Mom should see her chiropractor in Bakersfield CA.
She had already been to two different doctors, and they had both told her that physical therapy was the answer.Continue reading
my personal payday loan story that can help you
the term payday loan starts with the letter “p” which is the same letter that starts off the words pain, penalty, poor and poverty. Both the internet and the physical world are full of places where you can get a loan with bad credit, no credit check, and no employment verification but what these modern day loan sharks don’t tell you is that their interest rates are so high that one day you may end up with the payday loan mafia coming after you!
Sure, these loans look very attractive to those in financial need that are unable to get a loan by conventional means but when the facts are presented what you have to pay back just isn’t worth it. This fictional character that we all refer to as “guido” which is the person that comes to break your arms and legs when you don’t pay a loan shark back is in existence in a different way when it comes to payday loans. Instead of your arms and legs the payday loan guido comes after your heart, soul and peace of mind.
Payday loan places make their offerings look so attractive but it is all an illusion because who can really see when they are desperate? What you don’t want to happen is for what appears to be a temporary solution to become a long term problem and many times that is exactly what happens.
I’ve been caught in the payday loan otherwise known as payday advance web many times. Sometimes life’s circumstances leave us very few choices and we decide to do what we feel like we have to do to buy gas and put food on the table. Like I said, I’ve been there before and as a survivor of payday loan debt I have knowledge that can help you.
I want you to ask yourself a question which is, “if you don’t have enough money to get by what makes you think you can payoff a loan with 300%- 700% interest?” You might as well sell your first born child. Payday loans may seem good in the short run and you may get instant gratification and even a rush when you hold that cash in your hands or see it in your bank account but in the long run it is a race that many can’t win.
My story, like many, was that I obtained payday loans to cover immediate expenses I needed cash for but didn’t have money to pay the loans back so I got extension after extension paying out ungodly amounts of money. Before long I was getting new payday loans just to pay the other payday loans I had received. I was trapped in a vicious cycle with no way out and a ton of stress upon me. I became a needy fly caught in the payday loan web, especially since most of my loans were online loans; I was literally in a virtual web. The payday loan spider sucked the life blood out of my bank accounts and I didn’t know what to do.
Please understand that you can’t solve a problem with a problem and you can’t come out debt by creating more debt. The solution to your debt starts with gaining additional income sources and paying off existing debt little by little so you can be free. In my own personal payday loan crisis I got up to almost $7, 000 worth of payday loans and when renewal payment time came my entire paycheck was gone. This is a miserable experience that I pray you can avoid. You might already be at this state but even if you are I have some suggestions for you that will offer hope.
The first thing you have to do is to make a conscious decision to get out of this situation. Decide to change and become a butterfly rather than a fly caught up in the payday loan web. When a caterpillar is going through the metamorphosis in the cocoon in order to become a butterfly there is a struggle. The struggle is in fact what makes the butterfly great because the struggle to get out of the cocoon transformed actually pushes fluid from the butterfly’s body into its wings so that it can emerge in beautiful flight. This process may be a little painful but it will help you fly and be what you were made to be.
One thing that I did was to become an affiliate for payday loan companies so that I could get paid from other people acquiring payday loans. Some people are just going to get them so there is no reason why you shouldn’t get paid from the process that made you pay so much. The second thing I did is what really helped me which was to get a payday loan consolidation company to take on my debt at a reduced amount and pay the payday loans back for me on my behalf. It was one of the best choices I ever made and it was a way out of the payday loan web.
You can do a Google search to find companies that will represent you in this way but do your research and make sure that the company you choose is credible. I used pdl assistance, inc. They require an upfront fee to take your case but they will work with you on paying it and it is around $200. Next you set up a plan to pay them a monthly amount on your payday loan debt and they pay your debtors directly. They will give you different term options to pay the debt off and they will deal with the payday loan companies for you. Doing this took a huge weight off of me. I got a 12 month term to repay my payday loan debt at 35% of what I owed the payday loan companies. The $400 a month I was paying on this plan was much better than the $700 plus every two weeks I was paying for all the loans I had.
One important thing to know when you start a payday loan consolidation program is that the payday loan companies are going to call you to collect. When they call just give them the information for the company that is representing you and let them know that the debt is going to be repaid to them as part of a loan/debt consolidation program you have initiated. I obtained the fax numbers to my payday loan companies and sent them notification on who to contact regarding the repayment of my loans. If you do this make sure to include your account number and social security number so they can properly locate your account.
Some companies will continue to try and collect from you in spite of this so I have another suggestion if this happens. If you get numerous collection calls after you have informed them about your debt consolidation you need to fax and/or send them a cease and desist letter. You can get a template off the internet and submitting this letter will stop the collection calls while your debt consolidation program is in the works.
Another tip is to close the bank account you have the loan fees being deducted from if possible. You will want to start a new account before you close your existing account and under no circumstances get payday loans under the new account. You have to treat the payday loan habit like an addiction. If you are going to stop it then stop it because replicating the mistake will only make things worse for you.
If you need money then get bad credit credit cards and pay them on time to build your credit. Pay more than the minimum payment and use them to pay bills so you can pay what you need to pay while building your credit. No debt consolidation company can legally advise you to close your account but sometimes it is the only way to keep the payments from being processed and causing you hundreds or even thousands of dollars in overdraft fees. For me this was the easiest way because I had so many loans and it would have cost me a $25 fee for every stop payment processed plus the bank could have missed some.
I also want you to know that the cease and desist letter can be used for any type of debt collection and not just payday loans. It is important to know your rights and you can find them out online at the federal trade commission’s website where you can learn about the fair debt collection act. You will learn what creditors can and cannot do regarding the collection of your debts and how to stop inconvenient and harassing behavior.
I do not encourage anyone to get a payday loan because it can get out of control so easily. If you must get a payday loan be sure to get one with low fees well below the normal $30 per $100 borrowed.
Why should I use a travel agent to book my trip instead of booking it myself on the internet? This is a question I had to answer recently for a potential client with whom I was speaking to for the first time. As a travel professional, I get this type of question a lot.
In this article I will reveal to you how I answered this question and how you can benefit from using the services of a professional travel agent versus booking your own travel online using a travel search engine.
1. Save time.
Sure you can spend hours, days, even months researching destinations and going from website to website in order to plan your own travel itinerary, but why would you want to do that? Time is a precious commodity that we can never get back. While you are spending all this time doing research and going from website to website to see if you can get a better deal, you could have more easily picked up the phone to have a travel agent do this research for you.
Professional travel agents are trained to do this because it’s their job. A travel professional can do all the research, coordinate all the logistics, and put together a complete itinerary for your trip in a fraction of the time you can do it for yourself.
2. Use the agent’s knowledge and resources.
Travel agents are trained travel professionals. It’s their job to know the ins and outs of popular travel destinations. Although there is a ton of information on the internet readily available to the public, travel professionals have first-hand knowledge of many or most of the destinations you may choose to visit.
Secondly, travel professionals often have resources to inventory, special offers, and discounts available only to travel professionals to offer their clients. By using an agent, you’ll be able to take advantage of these resources.
3. The travel agent advocates for you should something go wrong on your trip.
Let’s say you have booked a flight and hotel online on one of the highly-advertised travel sites. Bingo! You’re all set. Or are you?
You check your confirmation and realize that you booked the wrong date. So you call customer service and you wait and wait; then finally you get a customer service representative who then tells you that there’s a fee to change your reservation. Okay so you pay the fee, after all you don’t have much of a choice.
The day comes for you to catch your flight. You get to your destination, but your luggage does not. The airline has lost one of your bags. So you’re stuck again with a problem, and call customer service again. You get to your hotel to rest from your long day, and find that your hotel room isn’t ready. Here you go again.
Now I’m not implying that a travel agent could have prevented all of this, but as a member of the travel industry, travel agents have special relationships with travel vendors. A complaint call or letter from a travel agent is more likely to get an expedited response than a letter from you, because of the agent’s relationship with the travel vendor.
I know what you’re thinking. You think that you’ll pay more to use a travel agent. It’s an incorrect assumption to think that using the services of a travel agent will be more expensive than booking your own travel online. Although some agents charge a service, the benefits of using a professional travel agent far outweigh the risks of not using an agent.
Discovering which style not only goes with your personality, but also with your fashion sense is difficult for many women. Unless you are really confident in yourself or majored in fashion, choosing colors, clothing pieces, and accessories to complement you is a daunting task. Here are some ideas to help you in your pursuit of fashion.
First, what colors do you normally wear? Almost every woman has colors she naturally gravitates towards, whether it is slimming, classic black or neon lime. Knowing which colors you often wear can help you determine which colors you should choose for accessories and where you could branch out. There are four basic fashion types. You might be wholly one style or a mixture. That is part of the beauty of fashion; there really are no wrong answers.
Do you like pastels, pink, tangerine, baby blue, ivory, and cream? Then you are probably a romantic style. Nichole Kidman is one notable celebrity whose fashion sense is very romantic. Romantic personalities like hearts, lace, sparkles, and anything traditionally associated as “girly”. To add more romantic accessories to your closet, focus on simple gold pieces such as lockets, delicate scarves, lace gloves, and ruffled bags.
For those who prefer natural colors such as greens, browns, gray, beige, and similar shades, Meg Ryan is your inspiration. Casual and comfortable, this is called the natural style. Jewelry with stones or beads will probably be most appealing to you, and simple, practical handbags like a messenger bag will be your best friend. If you want to be more “adventurous” with your style, look for bags in colors such as squash mustard which will still match your color scheme while allowing you to look daring.
Audrey Hepburn’s style can only be called classic. Ageless pearls, structured black bags, and timeless red lips are all characteristics of a classic fashion style. If you fall into this category your closet will likely consist of timeless basic pieces in navy, gray, black, white, cream, and red.
Many women fall into the category of the brighter the better. Wild, bright colors, prints, and a willingness to try almost anything is typical of a bold style. Jennifer Lopez and Lady Gaga are two very different examples of this style. Purple and metallic accessories are perfect for you if your style falls into this category. Large is also part of your fashion statement. Big earrings, pendants, chunky bracelets, and oversized handbags are a great way to express your energy and enthusiasm for life.
Trends in furniture are always fluid and changing just like most other home decor trends. Each year, new and recycled designs, patterns, hues, and visual combinations are declared as the season’s hottest trends in home decor and interior design. Because of this fact, home staging is also impacted by recent trends in home decor as potential buyers are possibly looking for familiar elements or arrangements that they expect to see in contemporary homes.
While home staging is geared towards depersonalizing the house and making it as neutral as possible for as many possible clients as possible, it does benefit from the integration of current home furniture trends. A staged property that features intelligently-selected furniture items that reflect popular trends in home design will be able to go head-to-head with other listings that are also staged for contemporary home buyers. This is more of a priority for homes in general areas that younger residents are flocking to, or in urban, professional districts where apartments or condominiums are the usual types of dwellings.
The following furniture trends are making waves in 2017:
Creative patterns and designs in couches and chairs. For sofa couches and living room chairs, prints and designs have become quite popular once more, especially if set in white backgrounds such as walls. You can throw in some solid-colored accent chairs with a sofa set with design patterns to create a visual contrast.
Beds equipped with storage spaces. Modern bed designs combined with drawer boxes or under-bed storage spaces are trending again, with a great number of home buyers choosing to downsize from larger homes or opting for practical options.
Antique and handcrafted furniture combined with modern arrangements. Many contemporary home furniture designers and experts are experimenting with the meshing of old and new furniture pieces. Antique furniture pieces or handcrafted artsy items from different countries are now considered as popular accent or functional additions to furniture arrangements.
Consumers are staying away from big and overpriced furniture. Consumers are choosing to be practical and look for furniture pieces that are smaller but cost-efficient, particularly furniture that are functional without taking up too much space or costing an arm and a leg.
White is in style. White is back, especially as background color or for furniture finish. They are simple to arrange and combine with other colors of furniture items, and makes the area bright and airy.
People need home offices. Workplace trends are also shifting, making it more usual for people to work part-time or full-time from their residences. Desks, chairs, and workstations that combine function and comfort are particularly attractive to today’s homeowners.
Your home furniture plays a vital role in making your style statement. Decorating a perfect house starts with selecting good furniture. So if your first choice is not perfect, then the end result might not be as fulfilling as you want. If you want the furniture to have class and durability, then investing in stylish home furniture would be the best choice.
What you choose to furnish your home is a reflection of your personal taste. This makes it important for you to first be clear on how you want to decorate your home, what kind of furniture you want to buy and how you want to go about it. Furniture is available in different varieties for all kind of rooms. Be it for the living room, dining room, kitchen, bedroom or even the patio, furniture of different sizes are needed most of your basic needs. Whatever type of furniture you decide to purchase; it should emphasize the character and style of your house.
Stylish home furniture comes in various designs, size, shape, structure and materials such as wood and metal. Though wood furniture is generally accepted as the best, metal furniture can also be a good substitute if the budget is low. A living room is an area where you host most of your parties and entertain guest, thus a lot of attention should be given there. As first impression is the last one consider the kind of sofas, coffee tables, TV stands and cabinets, end tables and other decorative accessories very carefully. They should not only be attractive but comfortable but most importantly go well with each other and also be careful not to overcrowd the living room.
The dining area is another important corner of your house which the guests are likely to visit. The furniture for this area in particular should ooze elegance. The dining table set should not only be visually attractive but also comfortable. Many homes have their dining room and kitchen combined. In that case you will have to make sure that the kitchen and the dining area have a common theme. All the miscellaneous, serving tables and the dining table should fit in such a way that it allows you easy movement around the place.
The bedroom is for your personal space. It should be designed in such a way that you can shed the entire day’s tiredness in a minute and relax in peace. Especially your bed! As soon as you fall on it you should be able to experience heaven. That’s the reason why people spend heavily for luxurious beds because there is nothing better than a good night’s sleep. Apart from the bed your room also needs armories, dressers, night tables and some more storage furniture.
If you have kids around then you’ll have an additional room to be taken care of. Kid’s room furniture comes in attractive designs and styles. Apart from the indoors if you have a beautiful patio then get the chance to work with material like wicker and metal. Decorate it with benches, plant stands, love seats, coffee tables and anything which fits in well with the outdoor theme.
So now that you have many reasons to accentuate your house’s beauty from within and outside, bring home stylish modern furniture and enjoy all the extra attention.