A chandelier in a dining room setting should be positioned in the center of the dining table and room proportions.
Avoid purchasing chandeliers that are larger than the width of your table, as people may bump into it when getting up. A handy rule of thumb is that a chandelier should be 12 inches narrower than a table and have at least 48 inches of space from each of the room walls or edges.
Hang a chandelier approximately 30 to 34 inches over a table with an 8 foot ceiling height. If your ceiling is higher than 8 feet, mount the chandelier an additional 3 inches higher for each foot of ceiling.
Keep in mind that lighting from a chandelier that beams directly onto a person from above can cast unflattering facial shadows. The heat from bulbs directly overhead can also be uncomfortable.
Avoid high wattage bulbs. They will increase the heat and cause excessive table glare.
Try adding shades to chandelier candelabra bulbs or a wall dimmer to help you control the light and set a more flattering mood.
When a chandelier has no central downlight, you can enhance the dining room table setting and centerpiece by using recessed adjustable fixtures with narrow beam bulbs. Aim these bulbs at a dining table centerpiece to create additional visual interest in conjunction with the chandelier.
In an open lobby or larger foyer setting, a chandelier can provide an important transition from outdoor to interior spaces and set the mood for your entire home. Hang the chandelier high enough to illuminate stairways or side passages; about knee-level of the upstairs landing is a good standard.
Chandeliers in a lobby setting can be wider or taller than dining room pieces so that they comfortably fill a space without appearing too small. You should also allow for at least 6 ½ feet of clearance from the floor.
Pendant chandeliers for kitchen islands and dinette tables demand a little different approach. Depending on their arrangement and number, position the pendant 30" to 34" inches up from the table surface.
Dress up the hanging wire or chain of a chandelier by covering it in a narrow sleeve of fabric. Fabric should be three times longer than the chain to achieve a gathered appearance. A great idea for holiday looks!
Many larger chandeliers are heavy and tricky to hang. Hire a professional electrician
Top Tips In Furniture Caring
Fine furniture is a significant investment that should provide a lifetime of use and enjoyment that should provide a lifetime of use and enjoyment. Proper care and treatment of your furniture will help to maintain the original beauty and finish. The following tips will help preserve your piece of furniture:
Regularly clean and polish your furniture. Normally, dust attracts moisture, which can accumulate and softer the finish on your furniture.
Rotate your piece of furniture periodically so they do not stay in the same place all the time.
Place furniture away from heating and air conducting vents. This will keep it looking beautiful, maintain its comfort and last long.
Use a clean pad or cloth to protect the furniture surface from rubber, hot dishes, beverages and bookends.
Rather than dragging your pieces across the furniture surface, lift and place them. Remember furniture is such an important investment.
Avoid placing your furniture in direct sunlight. Pull the blinds or have a UV-filtering film applied to your windows.
Avoid prolonged use of plastic and rubber items on your furniture.
Use coasters, table cloths and place mats to protect furniture during uses. Keep the surfaces dry to maintain its good finish.
Though termites are not common in most homes, they are prone to causing a huge menace. The solution is seeking a professional fumigation.
Use cleaners, waxes and polishes to help protect the finish on all your furniture from scratches and abrasions.
Dust your piece of furniture regularly and polish them at least in 4-6 months.
Whether you are a Yankees, Red Sox Mets, or just a Baseball Fan in general we have great tickets to all of the games you want to be at.
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Starting a business has always been an incredible dream for me. No doubt its not easy, but when I started out several years ago to start one I knew I was onto something big! I coupled my educational degree, which happens to be in management and marketing and I worked for a while as a business manager to get experience.
After the initial experience which I felt limited me as I was always a “go getter” I decided to take my dream to a new level and start an online business. I had much to learn. Starting an online business is a whole new world of endeavors and it certainly has its challenges. How do I get from point A to point B. Once I knew that answer, I then had to implement it. I began to learn each and everything about the web, and not just surfing.
I realized if I were going to be competitive and last a while I certainly had to learn the dynamics, and they change every day about the internet. I taught myself for the most part. I learn the marketing aspect, the analysis aspects, the management dynamics, and so much more! Each and every day a challenge unfolded, but I was able to keep up because of my drive, determination, consistence, and passion.
I got more that I bargained for, but at the same time I got more than I expected. The ability to be stretched and the desire to be successful coupled with self will made me a “shoe in” as an entrepreneur. Entrepreneurs are “trailblazers”. They go where no one else dares. They are successful millionaires as a result of initiative and the desire to become self sufficient. That’s great! They are mentors and are mentored.
As a result of my passion I started AnnettesFavoriteGifts.com. An online high end luxury gift store that is truly more than your traditional gift store. We offer more that the average online store in way of products, features, and creativity. Its uniquely designed to be more that just your everyday online store that you see day in and day out. It truly is worth the visit.
Thanks,
Annette T Thomas
Retailers including Wal-Mart and Sears have programs aimed at capturing a share of consumers’ economic stimulus package rebate checks, but consumers may have other plans. A survey by consumer coupons site CoolSavings.com found that 93% of the women polled are worried about their families’ finances and are reducing spending as a result.
The online survey of 831 female consumers, conducted by CoolSavings parent company Q Interactive, determined that only 6% plan to use the rebate checks to “buy something I wouldn’t normally buy.” 39% said they’d use the check to cover their regular purchases or pay down credit card bills, while 18% said they’d save part and spend part of the checks. 9% planned to save the entire check and 21% said they were unsure what they’d do with the money. The remaining 7% do not expect to receive a stimulus check; taxpayers who report incomes above certain thresholds do not receive the checks.
“As the primary shopper who controls upwards of 70% of their household’s discretionary budget, women are clearly concerned about their families in today’s economy, and they’re looking to cut costs across many areas of their budget,” says Matt Wise, CEO of Q Interactive.
In other findings, the survey determined that while 93% of women surveyed expressed worry about family finances, the 55-year-old and over group was slightly less worried, with 84% saying they were concerned about money. Those in the 25-34 age bracket expressed the most concern, 97%.
Restaurant dining tops the list of likely cutbacks, cited by 24% of those surveyed. 17% say they’ll cut back on energy costs, 17% groceries, 16% entertainment and 11% clothes purchases. Those surveyed reported that they’d saved in the past three months by cutting back on their top-cited category, with 34% saying they’d saved $50 to $99 while 29% said they’d saved $49 or less, and 27% saying they’d saved $100 to $249.
In the survey, 50% of women said there was no personal indulgence they’d refuse to cut out in difficult economic times. This was followed by 12% who said they’d refuse to give up alcohol or tobacco no matter what the economic climate, and 10% who said they’d refuse to give up restaurant meals on special occasions.
Calacanis, of course, is used to living life on the Web. He co-founded one of the first blog businesses, Weblogs, which he sold to America Online in 2005, and he's now running the Mahalo.com search engine. But Blue Nile's user-friendly site that demystifies diamonds has lured plenty of far less tech-savvy shoppers.
The outfit has racked up big gains. Last year, Blue Nile, which now offers more than 60,000 diamonds on its site, logged a 34% increase in net income, to $17.5 million, while driving up sales 27%, to $319.3 million. Founded in 1999, the Seattle-based company came into its own during the dot-com boom, but managed to sidestep the bust that claimed so many Web fledglings.
Blue Nile capitalizes a man's common fear that jewelry stores will exploit his ignorance. Prospective customers can start by learning about diamonds on the site. Confident buyers can order online; nervous buyers can dial a toll-free number to reach Seattle-based sales reps, who will guide them through a purchase, no matter how big or small. Because the telephone reps don't draw commissions, Blue Nile executives contend, they lack incentive to pressure customers. And, with times tougher, brides may object less to the unromantic idea that their rings were unearthed on the Net.
Blue Nile also deploys its technology to work closely with suppliers. It shares detailed sales data that help cutters serve up the most popular kinds of stones. The company's analytical tools let suppliers slice and assess sales data and pricing information. "What they brought to the table was absolute transparency," says a supplier, who asked for anonymity because he sells gems via Blue Nile at a fraction of what he charges traditional retailers. The supplier's margins are lower, but he is able to turn his inventory two or three times faster through Blue Nile.
With the domestic economy in the doldrums and lovestruck buyers snapping up fewer, or less pricey diamonds, conventional rivals are feeling the pinch. Warns Mark Vadon, Blue Nile's executive chairman and co-founder, "Our industry is going to get pretty rocked."
But that could drive customer traffic to Blue Nile, whose executives figure it will outpace the pack with low expenses and a narrow focus on diamond jewelry. They avoid hawking other luxury items. "I want to be the best in the world at one thing. I don't want to be half-assed at a lot of things," Vadon says.
The company has told investors that this year's sales should increase about 10%, an outlook analysts support. Should men begin to pinch pennies in a downturn, the value of a site like Blue Nile, which allows for easy comparison shopping, goes up, contends Chief Executive Officer Diane Irvine. "This business is all about taking market share," she says. "We look at this type of environment as one of opportunity."
Shimmer & Stone differs from traditional jewelry retailers on and off the internet in our unique styles, which are all designed in-house and manufactured by reputed jewelry artisans around the world.
Our jewelry can be described best as modern and contemporary in style. We take inspiration from popular styles and jewelry trends, and in essence, re-engineer those styles to bring our customers pieces that are in vogue, but a cut above the rest in design detail, comfort of wear, durability and quality.
Customer Satisfaction is paramount..
We understand that deciding on certain aspects of a jewelry purchase such as selecting a chain length or a ring size can be a difficult. To assure that our customers peace of mind in their shopping experience with Shimmer & Stone, we allow our customer's 30-days to exchange their jewelry for a size that meets their satisfaction.
Although engraved jewelry cannot be returned, chains of engraved pendants or tags can be exchanged for a shorter or longer size based on availability. Rings that have been engraved do pose a bit of a problem, which is why we recommend that a customer purchase their ring of choice, try it on, and send it back to us for engraving should the size be to their liking.
The item will be shipped back to them at no cost once engraved. Shimmer & Stone also offers our customers Free Ground Shipping via UPS and the USPS on every order. Should a customer require faster shipping options Shimmer & Stone also offer a range of express shipping options at affordable rates again via UPS and USPS. Every order shipped may be tracked online in real time.
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May 06, 2008
Seattle—Retail diamond sales at Amazon.com increased more than 100 percent in the first quarter of 2008, the company announced today.
According to the company, diamond pendants, diamond stud earrings and diamond chronograph watches were extremely popular with Amazon customers in the first quarter.
Among the top-selling styles were a 14-karat white gold and diamond Journey "Curve" pendant, princess-cut diamond solitaire rings and 1-carat round-cut diamond stud earrings.
Black-diamond pendants and diamond-accented watches also did very well, as did the Movado Diamond Amorosa watch, the Seiko Coutura watch and the Invicta Limited Edition Diamond chronograph.
"We are very pleased that more and more of our customers are discovering the huge selection and convenience of Amazon.com's Jewelry and Watches store," Amazon.com Jewelry and Watches Store Director Peter Lais said in a media release issued today. "In addition to everyday items like books, electronics, shoes and beauty products, our customers are increasingly purchasing luxury goods, like diamonds, on Amazon.com as well."
Amazon.com Inc., a Fortune 500 company based in Seattle, launched in July 1995 and today offers millions of unique new, refurbished and used items in categories such as apparel, auto and industrial, books, digital downloads, electronics and computers, grocery, health and beauty, home and garden, jewelry and watches, kids and baby, movies, music and games, shoes, sports and outdoors, tools and toys.
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Story from the the National Jeweler
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2. The Cart - this is quite possibly the most disgusting part of buying groceries at the grocery store. Do you have any idea how long it has been since those things have been cleaned? I can't imagine they ever get cleaned. Do you know how many babies sit in those carts with messy diapers? Or all the bloody meat that gets tossed in there.
3. The People - don't get me wrong... I am a "people person". I just don't like it when there are masses of them shoving large metal objects on wheels into everything. I just enjoy being able to do things at my own pace and not having to deal with a lot of people getting in the way... and that includes my grocery shopping.
4. The Food - sure... there is a lot of great food at the local grocery store, but if you happen to be one of the millions of citizens of this country that prefer a native cuisine over American food, it can be hard to find the items you would like to cook with.
5. The Haul - thats right the haul. There are millions of people that don't have the ability to park their cars in an adjacent garage and simply bring their groceries in from the garage. Many people live in apartments and have to climb several sets of stairs. And many others don't have a car at all, so buying more than one bag of groceries at a time was never a reality for these people.
Daisy: You notice things others miss. For example, the different shades of pink in the sky as the sun sets, the hint of sadness behind someone’s smile-which means you are a natural at drinking in all life has to offer.
Iris: You tend to get bored quickly with day-to-day routines. In order to maintain your great vitality and creativity, you need to follow your inspiration wherever it may lead. You thrive and prosper in jobs and situations where you are your own boss.
Lily: You are a nurturing person. In fact, people are drawn to you. A few words from you can make people feel worlds better. It’s no wonder many say you would be a great therapist! However, you shouldn’t feel like you have to ease everyone’s troubles; your caring alone accomplishes more than you realize.
Rose: You are the kind of woman that will bring the Prince Charming out in a man. You are also the kind of friend who gets called first with news-big or small. Despite your wide social circle and busy agenda, you have a secret need for alone time and you will sometimes even feel a little shy.
Tulip: You thrive on change. You are always dreaming up some way to improve yours and your family’s lives. But just as a tulip blooms in the same spot each year, deep down inside, you are often content with what you have.
Shop flowers and gift baskets for any occasion. Get free shipping and order discounts! Shop for Valentine's Day, Mother's Day, Sweetest Day, anniversary, wedding or any special occasion.
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History Of The Cartier Watch
It all began at a Paris jewelry workshop run by Master Adolphe Picard. In 1847 when Picard passed away, Louis-Francios Cartier took over after his master. It became a family business and continued through to the next century. Louis-Francios's son Alfred Cartier was involved in 1904 when he joined minds with legendary watchmaker Edmond Jaeger to make the first Cartier watch to be worn by pilot Santos-Dumont when flying.
Today the name Cartier has maintained prestige for nearly 160 years and only associated with quality, elegance, and performance! When it comes to the Cartier watch, only the best is used. The highest grade jewelry and only the most precise mechanical functionality are utilized with the highest standards as nothing less will do.
The Cartier Watch Experience
The Cartier watch is designed to offer more than just a watch. Elegance and sophistication are indeed requirements of these timeless design standards. The Cartier watch often becomes an heirloom of its owner, passed own through the generations to come.
You can find your Cartier Watch in modern, classic, and retro styles. There's even an everyday Cartier watch with roman numerals, alligator strap, and as with all Cartier watches their trademark sapphire on the knob as well as sapphire crystal faces to resist scratching.
Among the selection you will also see the higher end Cartier watch selection including many precious metal bands of gold and platinum. Taking care in meticulous selection of these will cost you a bundle, but should go down in your family history well.
The ultimate would have to be the Cartier D'art limited edition models. In this line you will find the Cartier watch of all Cartier ranging from partial to complete diamond covering and the Cartier signature: the panther.
Where You Can Buy A Cartier Watch
There are authorized dealers of Cartier Watch products worldwide. One thing to keep in mind is that all Cartier watch products have a certificate of origin and warranty that can be utilized at any of these authorized dealers. Take care to only purchase these from valid genuine sources or else you will likely get a bootleg or other fraud.
As with any high priced items, it's always wise to take as many precautions as you can, and when it comes to your Cartier Watch, be sure to check well. Fakes can easily convince the untrained eye. Shop at Amazon here!
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| Madonna strikes a pose in Chopard jewelry for the cover of her latest album. |
High Definition Television
HDTV is high definition television and it can make an enormous difference in your television viewing experience. Many consumers describe the HDTV experience as being closer to watching a movie in the theater than watching a standard television set. HDTV offers a digital picture with a higher resolution than normal television screens. The higher resolution results in a clearer, crisper picture. It also offers the ability to watch widescreen movies and programs without the annoying black bars that your regular television displays. It is the way the movie directors intended you to watch their films. With HDTV, you will be in on even more of the action of your favorite program.
Currently with your regular color television, waves are scanned at 480i. This means that at any given time there are 480 lines of picture being sent to your television screen by your service provider. Odd lines are displayed, followed by even lines. The change happens so quickly, the human eye believes you are seeing one big picture. With the introduction of HDTV, there are more lines transmitted (at either more than double interlaced or progressively) giving us a higher resolution and better quality picture.
In order to enjoy the HDTV experience, you will need to introduce a few things to your home. To get started, you need:
All providers are generally offering some HD channels. Satellite providers are able to offer more of these channels than your local cable company. Be aware that digital channels often offered through cable companies is not the same as HDTV.
In addition to a better quality picture, you will also enjoy higher quality sound with HDTV. The digital audio sound provides even more of a movie theater like experience in your home. To provide the best in entertainment quality in your home, HDTV is the way of the future. As more channels are broadcast in HD format, your television viewing experience will only improve.
Satellite providers not only offer HD channels but their other channels are offered via a digital signal. This results in a clearer picture than the analog signal offered by many cable companies. DISH Network currently offers the most high definition channels available. With more than 1700 hours per week of high definition programming, DISH Network is an excellent option for receiving HD channels including HBO, Showtime, Discovery Channel, ESPN and more.
To learn more about DISH Network's HD TV specials, go to SatelliteSales.com
© 2006 SatelliteSales.com. All rights reserved.
Low interest rates and fast appreciation lure bargain hunters to homes facing foreclosure. You may pay less than market value, but not much less -- and the research can be daunting.
By Bankrate.com
With interest rates at record lows and the stock market looking too perilous for small investors, many people are putting money in an asset they understand -- real estate.
One of the best places to invest is in foreclosures and bargain residential real estate.
The current market conditions make it a perfect time for a small investor to purchase one or more foreclosure properties for their private residence, rental or resale. During economic downturns, more upscale homes go into foreclosure, so the notion that foreclosure homes are only available in crime-ridden areas is inaccurate. Beachfront and homes in affluent areas are part of the mix of foreclosed properties available.
But anyone considering buying a foreclosed home should forget about paying pennies on the dollar.
"You can buy foreclosures for as cheap as 30% or 40% below market, but most foreclosures sell for 5% below market," said John T. Reed, editor of Real Estate Investor's Monthly, a newsletter based in Alamo, Calif.
Yet the savings may be twofold if the property is purchased from the lender who holds the mortgage that's in default. That lender may be willing to waive some closing costs, maybe even offer a break on the interest rate or the down payment.
Investment of time
A novice must learn to navigate the foreclosure process. But Todd Beitler, owner of the Real Estate Library in Boca Raton, Fla., says the time and effort can translate to savings. "If somebody spends 10 hours a week for five weeks to do research, it's worth it."
For most consumers, however, the foreclosure process can prove daunting, Reed says. Good buys are available, but they require research, preparation, patience and persistence.
The foreclosure process starts when a property owner falls behind on mortgage payments. Many owners of homes that go into foreclosure have been struggling financially for almost a year before they give up, which usually means that the house has not received needed repairs or general maintenance for a while.
This may include everything from missing light bulbs to roof leaks. Tree limbs in front yards, broken appliances and windows, and dirty carpets, floors and walls are found in even very-affluent area foreclosures.
This can be a boon -- or boondoggle -- for a buyer. Houses in poor condition might fetch bargain prices, but repairs can boost the cost again. The first rule of real estate, "location, location, location," applies in these situations. If there is trash in every room of the house, but the foreclosure is in a good area with high property resale values, hold your nose, walk through the entire house and consider making a low offer.
Reading assignments
When a lender decides to foreclose on a property, a notice of default or a lis pendens (Latin for "lawsuit pending") is filed, depending on the state. This document is a public record, and for buyers, it's the first step in locating a property in foreclosure. A buyer looking for foreclosures also can buy magazines and newsletters that list properties in default.
Once a home has been located, search public records. Look for liens on the property, since they can drive up the purchase price. Liens typically are placed on a house for unpaid property taxes. Also check assessed values and sale prices of neighboring properties.
Research local state foreclosure laws, since they differ. Some states -- such as Florida, New York, Ohio and Pennsylvania -- require the lender to sue the borrower and get a court order for the sale of the property, a process known as judicial foreclosure. Other states -- including California and Texas -- follow the non-judicial foreclosure process, which doesn't require a lawsuit.
For novice investors, buying from the lender is the safest way to buy. Most foreclosures are taken back by the bank during auction, Beitler says. While well-located homes in good shape generally don't sell for deep discounts, rundown properties can be sold more cheaply.
Often, the banks hire a real estate agent and sell foreclosed homes in the traditional manner, Reed says. But sometimes buyers can succeed by pestering bank loan officers with low offers.
Buyers might try low-balling the lender's REO (for "real estate owned") officer shortly before the nonperforming assets have to be reported to supervisors, Beitler says.
The safest deals
Bank-owned properties offer the safest deal for inexperienced foreclosure buyers, Beitler says: "There's no risk. There are no taxes, no liens, no tenants to evict."
A lender that's eager to sell might be willing to offer attractive terms, says George Tribble, broker of record at Jetstream Mortgage in Oakland, Calif., and past president of the California Association of Mortgage Brokers.
The lender might offer to finance the property at a below-market rate or with a lower-than-usual down payment. Because the bank already has done an appraisal, the buyer might not have to pay an appraisal fee, Tribble says. And lender deals typically include title insurance, which removes much of the risk that accompanies buying homes earlier in the foreclosure process.
Hidden foreclosures
Not all foreclosures are previously owned homes. Some foreclosed homes are new. These homes are not as easy to identify and rarely appear on national lists. In some areas, the slow economy has left many builders of new midscale and upscale homes at the end of their construction-loan periods without finding buyers for their homes.
In these cases, the banks that issued the construction loans take possession of the homes and attempt to sell them, using real-estate agents to handle the deals.
These, too, are foreclosures. They are "hidden" foreclosures because no one associated with the sale of these properties will refer to them as foreclosed homes.
More daring investors can find other points in the process to buy homes, like just before foreclosure. The buyer finds a homeowner about to go into default. The homeowner doesn't want to lose all of the equity in the property, so accepts a portion of the difference between the equity and the home's market value.
Pre-foreclosure buys offer bargains but demand persistence. That's because creditors are often hounding owners at this stage. "Trying to get through to the homeowner is virtually impossible," Beitler says.
If the homeowner is contacted, the buyer could be in for a surprise, Reed adds. Homeowners in default might not have phones or electricity, and they might have a variety of personal and legal problems. What's more, they probably need somewhere to live before they can move out of the property the buyer wants.
This is a high-risk, high-reward proposition, and it's not for first-time foreclosure buyers, Beitler says.
The auctioneer
Most auctions take place at the county courthouse steps, and they pose disadvantages: Buyers might not be able to inspect the property, and they'll have to put up the entire purchase price the same day.
The U.S. Department of Housing and Urban Development also runs auctions to unload homes it has acquired through defaults on federally backed mortgages. There aren't a lot of steals in this process, according to a study by Tim Allen, a real estate professor at Florida Atlantic University.
Allen tracked sales at a HUD auction in Florida in 1998; he found that buyers paid prices very close to assessed value. Beitler agrees that there's a "frenzy" at HUD auctions that can push prices to unreasonable levels.
The cost of getting started
With good credit, many banks will loan the full price of the foreclosure or more. If the home is to be used as a rental, many banks will require only a 10% down payment.
Individuals with a large amount of equity in another home may get a line of credit from their bank to purchase a foreclosure. When they convert the line of credit to a mortgage, no down payment may be required.
Foreclosure homes bought in good areas at below market values that appreciate annually can be a sound investment strategy for many investors. The appreciation of the homes is tax-exempt until the home is sold. If the home is a primary residence, the appreciation may be tax-free.
Homes used as rental properties give most investors valuable tax deductions while the house increases in value and builds equity. With many stock portfolios down, foreclosure real estate investing may be the alternative many people are seeking.
Many "credit repair" companies claim to remove negative credit with the flick of a wrist. Their advertisements make bold assertions and money-back guarantees: "Bankruptcy, tax liens, judgments... no problem!! One hundred percent guaranteed!! Credit report 100% cleared in 30 days!!" Can they really make such sweeping guarantees? While some credit repair companies are outright frauds, others are not fraudulent and they use the dispute process to obtain impressive results. In fact, they delete thousands of negative credit listings every day. There is a company called, Lexington Law who has been doing it for 15 years. Click Here to learn more. Unfortunately, it is risky to trust anyone to help you restore your credit. It is estimated that fraudulent credit repair companies have bilked Americans out of more than fifty million dollars. The majority of credit repair companies were started by entrepreneurs with a penchant for marketing. Consumers have flocked to these "credit doctors" only to discover that their advertisements proved far more impressive than their results. Hiring a credit repair company is like playing Russian roulette. Many of them are effective and legitimate, but it is difficult to tell a rip-off from the real article.
: Not a chance! No credit repair company is so good that it can guarantee a specific outcome. It would be like a defense lawyer guaranteeing that the jury will find his client innocent. Guarantees are a sure sign of credit repair fraud. A warranty, where the credit repair company promises a refund if certain results don't occur, is a better, more realistic claim. Lexington Law is a respectable company that we recommend. Not surprisingly, the credit bureaus have declared war against the credit repair companies and those selling instruction on how to do-it-yourself. The bureaus lambaste credit repair companies in the media and send anti-credit repair literature to anyone whom they suspect of using credit repair services. The bureaus unflinchingly deny that accurate information can be removed from a credit report. The simple truth is that you do not have to endure bad credit for seven to ten years as long as you feel comfortable challenging the accuracy or verifiability of your credit listings. If so, it is possible to restore creditworthiness within a much shorter time. However you decide to address your credit challenges, realize that regardless of what you may hear in the news media, thousands before you have sought help and restored their credit. They can show you their homes, cars, and credit cards. Despite the newspaper articles, TV reports, and other credit bureau propaganda to the contrary, the simple truth remains: you can restore your credit. Learn More.
Survey States That Moms Do Play Favorites, but Thoughtful Gifts Can Change That Ranking
MONTEREY, Calif.--(BUSINESS WIRE)--According to a recent Omnibus survey conducted on behalf of SHOP.COM, a majority of American moms (64%) report that they secretly have a favorite child. And a quarter of moms mention that the right Mother’s Day gift can change that perception, bringing a whole new meaning to sibling rivalry.
This year, SHOP.COM, the de
