The Important Difference Between Good and Bad Debt

Some people will tell you that all debt is bad. However, taking on credit is sometimes necessary, and will actually take you further in life. You will be able to get a promotion if you invest in your education, therefore, your return on investment will be huge. Buying a house with cash is also almost impossible for many people, and it is the only way. Below you will find out how to differentiate between good and bad debt, and make better financial decisions in the future.

Mortgages: The Necessary Bad Debt

Image by PxHere

Unless you have very rich parents who are kind enough to buy you a house, or you win the lottery, you might need to take out a mortgage to get on the property ladder. A mortgage is the only option for most people. You will, however, need to work towards reducing the interest and term whenever you can, so you don’t end up paying back double or triple the purchase price. Mortgages are investments in your future, and help you build up your assets.

Student Loans: Investment In the Future Or Being Trapped?

The value of student loans depends on what you get back from your education. If you can land in a well paid job straight after graduating, and keep on progressing your career rapidly, you will not mind paying the money back every month. However, if you fail to secure a decent job, the debt will stick with you until you retire or it is written off. Before you take on student loans, make sure you will get the most benefits out of your education.

Car Hire Agreements

Car hire is similar to rent: you have little or no chance to build up assets. You will not own the car, unless you pay a price that is higher than the total price. Instead of car hire, you might want to think about applying for an unsecured loan, so once you have finished your term, you will own the car. You can use it as a trade in for a new vehicle, or keep it, instead of having to enter a new agreement and staying in debt without not owning anything.

Credit Cards: The Good and Bad Side

Image by Creative Commons Images

Credit cards are dangerous for people who are not financially educated, or have no self control. You can build up a huge balance in no time, and get into all sorts of trouble within just months. Sometimes credit cards give you cashback offers and discounts, as well as extra security on booking holidays, therefore, if you use them wisely, you can benefit from having one.

Consolidation Loans: The Best Solution to Change Your Future

Consolidation loans are good, as they help you get out of bad debt, and reduce your monthly outgoings. Instead of paying a high interest rate on all your accounts, you will be able to budget better and have one repayment each month.

You need finance to get on in life. At the same time, you need to understand the difference between good and bad credit, so you can build your personal assets and get the most out of your financial agreements.

How Debt Should & Shouldn’t Be Defined

Pexels

Debt is almost a universal tag these days. From students needing to take out loans to finance their degrees, to mortgages for a happy couple to buy their first home, to credit cards promising us the ability to gain the electronic item we’ve wanted for some time but cannot yet afford. These debts are part of daily life, and somewhat help the society around us keep running. The premise behind a debt is that it’s paid, sometimes over the odds, so it’s not always to be considered a generous consideration, but it is a necessary inconvenience for many people.

But how should debt be defined, and how shouldn’t it be? The amount of debt and the variance it occupies means that defining these lines can get quite hazy. Sticking to a few of the following ‘debt truths’ can give you a strong method of navigating the tides of your own personal debt allowances.

Debt Is Temporary

Debt is never permanent. If it is, your creditors are working against their best interests. All debt generates in two different ways, both sanctioned and unsanctioned.  Sanctioned are those legal debts which occur thanks to a company providing you with loans, or a bank providing you with a mortgage. These are undertaken via a contract which allows for legal backing. Signing a tenancy agreement could be considered a form of debt and service, with rent acting as a form of repayment for the time spent in the home. Non-sanctioned debts are the debts that occur through a lack of an ability to pay something, such as missing your mobile phone or credit card bills.

No matter how you accrue debt, you can be sure it’s going to be temporary. Through one means or another, you will need to settle it, either through hard asset recovery from a collections firm, or by budgeting, selling assets and working overtime. You can be sure that this is a problem that only gets larger as time passes, so be quick in your remedial action.

Debt Isn’t All Bad

Debt is not all bad. It can feel like a dirty word to think of, say and even suggest. But not all of us are financially equipped to deal with the initial cost of the experience or item we want or need. When debt can help us gain our major desires, it can be worth the cost, even if you pay more long term. For example, a mortgage taken over a much longer period can help lessen monthly payments to a manageable degree, and this is becoming a much more popular method of keeping things affordable. Of course, keep debt within certain affordable parameters, and you have the ability to maintain it and keep it in hand.

Another relief-filled insight to keep is that recovering from debt is not always too bad. Companies often want to recover their debt from you in some regard, and if they are able to then they are usually okay with building payment plans with you, negotiating with debt settlement companies, or communicating with debt charities. Getting out of debt (provided you have a job and can budget) is not the most horrific thing imaginable. It might mean making your lifestyle more modest, but there’s no reason debt should put you on the street, even in terrible circumstances.

With these tips, your general attitudes around debt should become more mature.

Versace sneak Peek For 2018’s Spring Collection

General in fashion, one of the most looked up brands was this Versace and we even heard the brand in the lead song of Bruno mars which makes the brand more popular these days. Hence, let me give you a peek on what the brand is cooking for us this coming spring/summer season.

Actually, I am not that fond with the brand and neither I don’t have any of their clothes yet as the prices of each their finds were indeed a hefty price that of course I wont consider as for my status in the moment. But if I have some spare greens to spend why not though to have at least a tee, right? anyway, this recently, the brand had released a photo which you can have the idea already on what the styling that the brand, Versace, would be pulling off this summer though most of the brands nowadays haven’t uses any pastel colored finds for a meantime but I think it’s a time to get back to the retro summer vibes as the leading fashion brands is now promoting it in the industry.

At the moment, I haven’t got the details yet on when the full collection will be released and available to the market. But soon enough as the brand itself releases an statement I will then update you all here, again. Hence, you should keep on checking me here.

NOVUHAIR turns favor with Holiday bash promo #NovuhairOfficial #NovuhairHolidayPromo

So you’ve got your festive outfit set and the fancy gift wrapped for your “monito” or “monita”. All that’s left undone is a party season-perfect hairstyle. 

The fresh out of the shower look can be seductive yet temporary. Blame it to tropical climate, it can spoil your appearance, besides making you feel sweaty and stale. The heat and humidity brought about by extreme weather condition, likewise, dries out the locks easily and make it more fragile. 

Adding damage to your delicate strands are the chemical contents of various products on hand. From shampoo to conditioner and hair treatment, down to styling goods to groom it to your liking, their harsh synthetic materials jeopardize the natural oil and luster of your mane.

Because you are what you eat, the fate of your crowning glory is in the plate. Your diet must have the correct balance of vitamins and minerals to supply hair with all that it needs to become shiny and strong. So don’t overindulge, especially this time of the year when gastronomic feasts are spread almost everywhere you go. Be careful on what you take in, thinking that it’s also what you feed your ‘do.

 Even stress can wear off the beauty and health of the tress. And that’s exactly what you should avoid this Yuletide season. Never put pressure on yourself just to please everyone. Just take it easy, let your hair down and party all night long. 

In this time of gratitude, NOVUHAIR makes everyday “a good hair day” for its valued patrons like you with its Christmas and Year-End Promo. Get an extra NOVUHAIR Herbal Shampoo 200 ml. worth P1,040 for FREE if you buy a NOVUHAIR 3-in-1 pack at participating WATSONS stores nationwide (DOH-FDA CCRR Permit No.: 967 s. 2017).

Packed with 19 natural ingredients—mostly standardized herbal extracts, essential oils and co-factor nutrients—NOVUHAIR Topical Scalp Lotion does not only help prevent the hair fall malady, but also aids in stimulating hair growth. NOVUHAIR helps prevent hair loss, improve overall appearance, promote nourishment and rejuvenation. It is clinically-tested and proven safe and effective.

Opt for the best with this Christmas and Year-End promo. Whether it’s a luxury gift for your loved ones, or a self-indulgent treat for you, NOVUHAIR has the perfect gift to inspire and keep you party-ready this Holiday season, while providing you with the ultimate styling result.

For inquiries, please call 413-6570 or 0922-8830575. You may also visit www.novuhair.com or Novuhair’s Facebook page – Novuhair Official.  

 

Tips on Buying a New or Used Car

This post is sponsored by Cars.com

This post is dedicated to those people who has a planned already to obtained their first car as am giving away some tips to consider before getting a certain car.

If you are keen to have a new car, you might probably thought that these cars are well equipped and nothing to fix already but not just that as the new cars needs to test for some drives before it became in the right condition thus this car came usually to a insurance for you to have at peace and secured.

And for those who eyeing for used car, you’ll be needed to bring your own mechanic while checking the unit. Because sometimes, these cars are prone to oil leaking and some same issues hence getting it checked up is a must. But to make it sure for your buys, you can get a car from Cars.com as the company is pretty reputable and has a competitive pricing for their units and cars. Go check the shop today and see for yourself on what kind of car suits you best!

 

A quirky Christmas gift guide for the full family (whilst sticking to your budget)

Yuletide season is fast approaching and I know most of you aren’t that prepared yet as you don’t have an enough budget to spend for the gifts that mostly of your Godchildren are looking forward to, or even your family and loved ones. But no worries, because you can still stretch the budget you have now by simply following the Christmas gift guide below.

Depending on your approach, shopping for Christmas can be super exciting or a bit stressful! Either way, we all have similar objectives in mind — to buy a gift that someone will love. However, it can get boring buying the same sorts of gifts year after year — there’s only so many aftershave sets that one man can look happy to receive! Instead, we have created a gift guide of quirky presents for everyone on your Christmas list.

For children

Children can be difficult to please and it’s hard to keep up with the latest technology that all their friends may have. Here are some gift ideas that are different to what they might normally receive:

£-££

Younger children can get over excited when it comes to Christmas, eagerly awaiting the day that they can open their gifts. One good present idea for children is a DIY stocking making kit. It can be made into a fun family activity on Christmas Eve or in the school holidays — it’s something different and it allows them to have their very own, personalised stocking!

For older children, a smartphone projector could be a fun gift. It can be used for watching films and TV shows — they simply slip their smartphone into the cardboard box and the glass lens projects the screen onto a blank wall.

££-£££

Young people love taking selfies! Whether it’s to post on social media or capture a fun memory with their friends, they’re always snap happy. But, could a ‘dronie’ be the next selfie? The latest in drone technology means it’s able to take photographs and videos from a height. Differing in camera quality and flight time, there’s a full range that you can browse here.

£££-££££

For children who enjoy drawing, you could buy them the Osmo creative set. Different to the traditional colouring book and pen — this set brings their creativity to life with the help of a tablet or smartphone.

Fitness bands have been must-haves for adults for a few years now, but did you know that children can get involved too? Fitness bands designed for children are durable and let them set daily activity goals whilst tracking steps, sleep and recommended exercise.

Your other half

It’s always nice to get your other half a gift that they weren’t expecting. These quirky gifts should surprise them and put a smile on their face.

£-££

Does your other half like cooking? And beer? How about buying them a cookbook with recipes on how to do both! Browse the collection online and choose one that you think would be suitable for your partner.

Vintage is always in, and one thing that has come back into fashion is the instant camera. The retro-style polaroid camera is a good gift for anyone who loves taking photos and saving them to look back on later.

££-£££

For a more upmarket gift how about something that everyone can enjoy — a pizza oven! The retro oven can create other things too such as bacon, eggs and pancakes and features a non-stick coating with various temperature settings.

One idea for men is a twist on a popular fashion trend. Retailers of high-quality leather boots, Frank Wright, offer a blue suede derby shoe that is a contemporary addition to any man’s wardrobe — different to any other shoes that he owns!

£££-££££

For a pricy gift, why not take your loved one on at trip like no other? Reykjavik in Iceland is one place that’s different to the traditional city break — spend the night under the stars and take the chance of spotting the Northern Lights if you stay in the winter. Or how about taking them to the set of one of their favourite films or movies? Dubrovnik in Croatia is a beautiful setting and you can spot many of the scenes from the much-loved show, Game of Thrones.

Elders, aunts uncles and family friends!

For everyone else, here are gifts that will come in handy or that they may appreciate:

£

For the avid traveller, a scratch map could be the perfect gift. They can frame it and place it somewhere where they can appreciate it — remembering the places that they’ve visited and the things that they’ve seen! As they visit new places, they can scratch these off too, highlighting their recent adventures.

For a keen gardener, how about an indoor allotment? Your gardening friend may be upset that they can’t spend as much time in the garden as they usually do in the colder months and this could be a nifty alternative. They can plant herbs for cooking or smaller plants and appreciate it in the comfort of their home!

££

Know someone who is always losing their keys? The Tile Mate could be the perfect gift for them. The small Bluetooth tracker can be attached to anything, from phones to keys and bags — they’ll never lose their sought after items again.

£££

As we said earlier, vintage items always come back around. How about buying a vinyl turntable for a family or friend? Many people have saved their old vinyls for memories and would love to be able to play them again! You can also buy new music in vinyl form for them to enjoy too.

So I hope this may help you a bit to have an idea on what better presents you should give in to your loved ones.

Jason Dill x Supreme Fall/Winter 2017

Beside of Jason Dill getting some photos done for the supreme. This was also an peek on what we should see for the brand’s next seasons collection. Hence, for all the peeps out there who are pretty fond in the brand particularly I know you might gonna look forward on these photos as well the pieces itself.

When it comes to street wear brands. I know most of yo will agree that Supreme is the one leading among the other same. Because a lot of celebrities and even fashion icons like this dude here are often sees wearing the brand and I must say that the pieces from the brand are truly dope and in somewhat quirky as we speak in men;s fashion. Hence, no doubt why a lot of men, me included, are getting crazed with the brand as they releases another new things to be considered.

For more details about this lookbook here. You may now check the supreme main website yourself for you to know the full deets and the availability of each of the featured finds here.

UNDEFEATED × adidas UltraBOOST

Source: Hypebeast.com

I know most of you folks are petty much excited to see the final look of the collaborative shoes of the two giants which the UNDEFEATED and Adidas for their UltraBOOST. Because this news been around the web for quite awhile now and people are getting crazed already on what’s the shoes may be looks like as it was been a teamed up work by the 2 brands hence I am giving y’all some peek in here for you to see on how the shoes looks like literally.

This was the exact look that you may have soon, as the brands releases the piece in the market in anytime now, so I really suggest you to have your shoe reservation as easily as now. Because a lot of swag dudes out there are pretty fond and pleased already to have it in them.

As for the further details about the shoes availability and pricing range. Well, sadly at the moment, I haven’t get you any of the deets yet as the both brands haven’t releases theirs. But soon I’ve got the update info I”ll then update you here immediately.

Interior Decor Tips To Feel At Home In Your Rental

With less than one-third of Millennials being in a financial position that allows sufficient stability and income to buy a home, it’s no wonder that most of young adults are still navigating the troubled waters of the tenancy agreement. As a rule of the thumb, you want to be able to become a homeowner as soon as possible so that you don’t have to spend your wages in wasted rent payments. Paying back a mortgage might be just as expensive every month, but it’s an investment in your future, as opposed to a regular financial loss. Admittedly, it’s not easy to gather enough savings to afford the deposit on your first mortgage. So, in the meantime, more and more Millennials continue to rent a home instead of owning one. Some are 40 or more when they finally can buy their first home, which is a statement on our dire economic times. If you choose to become a tenant, you have of course less to worry about the costs of renovation and home improvements because these are not your responsibility. However, there are other kinds of home improvement works that tenants would love to be in control of and it’s decorating. Living in a place that has been stripped bare of any decoration doesn’t feel homely. So how can you make the most of your rental without losing your deposit?

Find your dream rental

What makes you feel at home?

Feeling at home where you live is a feeling that relies on a variety of factors. Of course, the interior decor matters, as you want a cozy nest that reflects your personality. But as a tenant, you also need a property that can fulfil all your comfort requirements and provide the amenities you need. First of all, the location is key to finding the best rental. You need to find the happy compromise of the distance to work, distance to local facilities and shop, how safe the district is, and naturally whether or not your social groups live within close distance. It doesn’t matter how well you decorate your rental is the location is wrong; the place will never feel homely. While there is a natural wear and tear in let properties, you should be paying close attention to details as you visit it. A place that is in dire need of renovation, such as showing loose cables or with crumbling plasters around the door frame is never a good choice. While it’s the landlord responsibility to maintain the accommodation, you can bet that a landlord who hasn’t cared to renovate before putting the property on the market will not care to do once you’ve moved in either. If you own a car and you need to drive to work, you should also focus on properties that offer a parking spot, on the street or with a garage. Nobody wants to be stressed out every day at the idea of trying to find an appropriately safe parking space for their vehicle. Finally, make sure to check the heating and cooling systems as you visit. Old radiators and A/C units will be noisy and lack performance, especially if they look like they haven’t been maintained in a while.

The happy spot

So, once you’ve established that the property you’ve got your eye on is ideally locally, in good condition and comes with its own parking space, it’s time to dive in and make a list of the best homes to let. When you’re looking for a rental house, ideally you’d like to meet the landlord before signing the agreement, even if your requirements will be handled by a real estate agency. Getting to know the landlord is helpful to gauge whether or no you can build a trust relationship with them and enjoy your rented home. Some nightmare landlords, for instance, are slow to make necessary repairs, which can leave their tenants in difficulties for several days or weeks. Others have a soft spot for DIY and prefer to fix the property by themselves. However, unless they’re qualified to work with electricity and plumbing systems, there are things that are best left to a professional. Make sure that you and your landlord take every precaution to ensure a happy relationship from the start. If you get to meet the landlord, you might find that some are very amiable, and offer to let fully or partially furnished properties. It’s not uncommon in university towns to find apartments that come with the full furniture. With discussion with your landlord, you can inquire whether you could get a partially furnished property – aka whether they can store the furniture and leave the appliances in – so that you can have more room to play when you decorate.

Decorate your bedroom

You might not be allowed to paint the walls, use too many nails to hang frames and shelves, and stick a cute wallpaper border in the corridor, but that doesn’t mean that you can’t create a cozy and personal space in your rental property. Let’s begin with the most important room in your home, the bedroom, the place where you can rest and recharge your batteries before the next day. If you happen to have more than one bedrooms, you’re in for a treat: There’s plenty of inspirational designs for the master, children or guest bedrooms. All you need is a little bit of imagination and care to make it work. When you have to keep your wall in the crisp white or magnolia shade they’ve been painted in by your landlord, you need to use the furniture to bring a touch of color and personality. Indulge in a king size bed if the room is big enough; you’ve deserved something to make you fall in love with the room. What’s better than a comfortable and stylish huge bed, I ask you! Well, there’s something even better than picking high-quality bed and mattress, and that is choosing smooth and bright bed sheets for a luxury feel. If you want something romantic, have a look for deep purple or red shades, preferably in satin fabric. Do you want a relaxing bedroom that helps you to switch off at the end of a long day? Get yellow, pastel green, and pale blue sheets as these colors can soothe the mind.

Let the bed sheets do the talking

A splash of freshness in the bathroom

Ah, the bathroom! It’s the most difficult room in a rental because it always shows the signs of tear and wear of previous tenants. It’s not a matter of lack of care: Bathrooms are used every day, several times a day, so it’s fairly normal that they feel a little aged and worn out. In short, you need to expect some fair wear and tear, and so does your landlord too. But most things can be cleaned up if you put your heart to it and know some tricks. For instance, grubby silicone seals can be cleaned using bleach in small quantities on the spots you can’t reach to turn it back white. For the tiles grout, you can use an organic mix of baking soda, vinegar and lemon to spray on and brush away. It does wonders! Within a few days of hard scrubbing, you might find that your bathroom suddenly looks rejuvenated. Then, all you need is to add the finishing touches: A new shower curtain if applicable, luxury cotton towels in bright colors and place scented candles around the bathtub.

A brand new used kitchen

The kitchen is the second room in a rented property to show signs of tear and wear, so it’s important to check the conditions of the appliances as you move in. Most landlords would agree to change damaged appliances or items that are becoming dangerous because of old age. However, make sure to check the tenancy agreement before you sign: If the appliances are not listed as part of the property, then it’s likely that your landlord will refuse to change them. Other elements that are great to give your kitchen a new feel is to buy exciting and high-quality kitchenware, from your pans to your plates. A good pot can make an old cooker looks like new! And finally, get your hand on a set of table and chairs for the kitchen/dining corner. It doesn’t matter if you can’t find them new: Maybe you can recycle an old set with chalk paint. With a bit of DIY magic, you’ll feel instantly at home.

An inviting living room

Finally, we’re getting to your most exuberant room, the living room, the place where you welcome your guests and spend most of your evenings. Start with a bright and thick rug to act as an eyecatcher and change the ambiance of the room. In a minimalist decor, neutral colors work best. But in a rental, you want to maximize the fun element of the interior and make a bold color statement. Orange, green and purple are trend colors this season! Then, all you need to do is to buy a cozy sofa and cover it in cushions and throws to create a sense of personal warmth. Use a chest of drawers or a low standing shelving units to create a storage corner for your DVDs, books and souvenirs.

So, are you ready to feel at home in your rental? Share other decor ideas you’ve tried in the comments!

BAPE Celebrates 7th Chinese Anniversary With Limited Edition Collection

Bape is one of the brand that mostly you guys whose in loved with street wear fashion are most look forward to have, right? Because mostly of their finds are meant being outdoor and too comfy to wear which is one best factor as you loves to be in street most of the time. Hence, seeing the brand making tributes for the Chinese by celebrating its 7th Chinese Anniversary that comes with some limited edition finds to have, is really a must look forward to.

Actually, these pieces they’ve made are too basic and the designs aren’t that much to expect, own my opinion, but as you trying to style them on your regular blue jeans or pants. I think these tops were best in pair with all as they are too basic and doesn’t require any specific color combination just to create an dope statement. Hence, if you are looking for the best and yet comfy type of clothing you guys. I really suggest this brand here as they offer a bunch of these already.