Discover How To Firm Up Sagging Neck Skin Naturally

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Lets face it… most people only work at making their face look younger, and forget about their neck. The area around and under you Adam’s apple is a dead giveaway as to your age.

People spend thousands of dollars on botox and collagen injections on their forehead, around and under the eyes, cheeks and chin to reduce lines and wrinkles. Most don’t go down as low as the Adams apple.

It’s pretty obvious when someone’s had a facial procedure. The part of their face that received this botox toxin is partially paralyzed and can’t move when they talk or make other facial expressions. It becomes even more ridiculous, when you look down at their neck and see a bunch of wrinkly old lines. Their neck gives them away, and can look even 20 years older than their face!

These days modern technology has given us the opportunity to improve our skin without resorting to these invasive treatments.

Here’s how to firm up sagging neck skin, using only natural skin care ingredients.

1. Use a restorative active night cream each night. Most night creams usually have good moisturizing capabilities, but lack any restorative ingredients like – Cynergy TKTM, with functional keratinTM to stimulate collagen and elastin re-growth. Nano-Lipobelle H-EQ10 a special nano-emulsion form of CoenzymeQ10 to gobble up free radicals and also increase collagen and elastin proteins. Phytessence Wakame an extract from Japanese sea kelp to inhibit the harmful enzyme hyalurondase that breaks down hyaluronic acid in your skin.

A good night cream should also include active ingredients like Manuka honey, Avocado extract, Shea butter and special emollients for nighttime use.

2. Use an active day cream at least once a day, It should include Cynergy TKTM, Nanobelle CoenzymeQ10, Phytessence Wakame plus natural Vitamin E a powerful antioxidant, Maracuja a natural emollient, Babassu and Grapeseed oil to moisturize without making your skin oily.

3. Use a deep active cleansing mask every 2 weeks. It should include Cynergy TKTM, Kaolin and Bentone gel to gently pull grime from your skin. Macadamia oil and Shea butter to moisturize and protect skin cells and Allantoin to soothe and ease skin inflammation.

4. Use a deep active hydrating mask every alternate 2 weeks. It should include Cynergy TKTM, Nanobelle CoenzymeQ10, natural Vitamin E, Rigin to deeply hydrate the face and neck for firmer skin, Avocado and Macadamia oils plus active Manuka honey.

Now you know how to firm up sagging neck skin using natural active ingredients. However, you need to get into a daily routine. Do it consistently for 2 to 3 months, and then you will see a reduction in sagging skin on your neck, and face for that matter.

Visit my website, to see which natural safe cutting edge ingredients, I now chose to use on my neck every day.

Company Cars – How Your Company Car Affects The Tax You Pay

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First of all, lets see how Company Car Tax works

If you drive a Company Car, you are liable to pay tax as it is classed as a Benefit In Kind.

Company Car Tax or Benefit In Kind Tax must be paid on your company car if you, or a member of your family, use it for private use. This would include travelling to and from your place of work. If you drive a company van, the rules are slightly different in that you should not be liable for tax if the only private use is to go between work and home.

How much Company Car Tax will you have to pay?

There are a number of things that affect how much Company Car Tax you pay. The Benefit In Kind tax you pay on your Company Car is based on the P11D value of the car (its list price including any extras or options), the CO2 Emissions of the car (the lower the better), the rate you pay tax on your income, and whether your car can run on an alternative fuel. Furthermore, if your employer provides you with fuel and you use some of it for personal travel, you would also be liable for Benefit In Kind tax on this Car Fuel Benefit.

Further Information on Company Car Tax & Benefit In Kind

To help you work out how much Company Car Tax and Car Fuel Tax you will have to pay, why not check out the Company Car Tax Calculator provided by HM Revenue & Customs. Also, there is a Government website all about Company Cars which provides useful information and guidance for both employees and employers. It explains the rules about Tax and National Insurance relating to Company Cars and company car fuel. Changes in the rules relating to Company Car Tax are usually declared at Budget time. If youre interested in finding out how future changes might affect you, take a look at the Governments Forthcoming Changes To Car Benefit site.

Of course, there is a way to avoid paying Company Car Tax altogether, and its not illegal! If your employer gives you the choice of having either a Company Car or a Company Car Allowance, you could choose the cash alternative, lease or purchase your own vehicle, and then claim an amount back from your employer for business mileage (currently at a Government set rate of 40p per mile). You might like to check out the sister article to this one, called Company Car Or Company Car Allowance – Which Should I Choose?, which explains the benefits and disadvantages of each option.

Cashing In With A Holiday Franchise

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If you’re interested in investing in holiday franchises, then you will want to read this article. In this article we will discuss what makes holiday franchises successful, and what to look for before investing in a holiday franchise opportunity. After reading this article you should be able to assess whether or not a holiday franchise is right for you, and if so which one would be a good investment.

Every business has a time of year where it is more profitable than any other time. Most good holiday franchises peak out during a specific holiday like Halloween, Valentine’s Day or Christmas. However, most successful holiday franchises are able to sustain business throughout the rest of the year or Elise break even with costs, or can operate profitably only a few times a year, and then close down for the rest of the season.

Secondly, they can work in reverse. Some businesses that are very successful overall, are even more successful during the holidays. Look at UPS — it’s not specific to holidays, but during holidays when everybody’s buying gifts for loved ones across the country, they will need a way to deliver those packages. This is what makes the UPS franchise such a great holiday business. Things to consider when looking for holiday franchises is to think outside of the box.

If you’re stuck for ideas on different holiday franchises to look at, think about what businesses complement different holidays. For example, Ms. Fields cookies are perfect for Christmas, because Santa Claus is known to eat cookies. Not only that, people like to buy cookies for gifts for Christmas. If there’s a certain holiday you’d love to have a business franchise revolve around, think of all the complementary goods that are related to the holiday. Make a list, and then analyze different franchise opportunities which coincides with that list.

I recommend looking at Holiday Franchises as a way to add to your franchising portfolio, not for someone that is just getting started. While these franchises can give you so much success in the holiday months that is makes up for the lack of profit during the off-season, it can very risk to put all your faith in just a couple of months. For example, what if one Christmas season there was a shipping scare due to terrorism? You as the franchisor could of just lost tens, possible hundreds of thousands of dollars due to the lack of faith in the shipping industry.

Finally, a holiday franchises is just like any other franchise. It needs to have a proven track record, a profitable business model, and the demographics in your area you to coincide with the demand for the franchise. Do your homework, and make sure you get a franchise lawyer to analyze the franchise agreement.

In conclusion, follow the advice given in this article and you should be well on your way to finding the right holiday franchise that fits your needs perfectly.

Personalized Koozies – Five Ways To Use Personalized Koozies For Your Small Business

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As giveaways at job fairs: with the economy the way it is, businesses need as much exposure as they could acquire, as well as exactly what better place than through a job fair. Even if you’re not planning on employing a lots of individuals, personalized Koozies still make a good promotional giveaway product that attendees may take along with them. This is particularly beneficial if you’re a service kind of company, and may keep your name right in front of their minds for some time to come.

2. Charity happenings: whenever charities are trying to boost money, the first to be approached are local businesses in your community exactly where they will be holding their fundraising affair. By including personalized Koozies with your logo along with name on them, you not just practice good local community assistance through assisting the charity with their fund raising, you get nice publicity and also advertising for your business at the same time. Designing them to replicate the charitys concept as well as colors makes them a collectible, too.

3. As sales giveaways: in case your business endures sales, then providing personalized Koozies in your sales agents for use as part of their own personal promotional deals is a great idea. Whenever they contact a new customer, they are able to leave one or more with them as being a gift for being attentive to the presentation. At product sales seminars for your enterprise niche, they generate great gifts for your prime sales staff, customized with their accomplishments, or as a free gift throughout the meeting.

4. When sponsoring local sports clubs: lots of companies today will support local sports teams as part of their promotion efforts. Precisely why stop at just supplying jerseys for any Little League team, when you could give personalized Koozies also? You may have them imprinted up with the team name, their logo, and also the season or perhaps year. They will show how much you care about the kids, and provide them, and their guardians, something to remember your sponsorship as well as your small business.

5. At welcome centres or even chambers of commerce: When individuals move into a new community, they generally check with local workplaces for names of organizations they may have need of in the foreseeable future. Chambers of commerce would gladly supply space for giveaways to new people, as well as handy stuff like personalized Koozies will always be delightful. The Welcome Wagon will always be searching for new gift items to incorporate in their welcome deals, also. Exactly why not provide them with a few cases of Koozies along with your logo, name as well as contact information to encouraged newbies with?


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The State Bar of California, while performing its due diligence during an investigation of Attorney Steele Lanphier, failed to uncover extremely pertinent information that should be a matter of public record.

A dozen years ago, Lanphier was experiencing financial difficulties when he was approached by Luis Vargas, a convicted drug dealer that served time in Federal prison. Vargas claims to be related to nefarious members of a Mexican Mafia-led drug cartel. He has been heard stating that he has millions of dollars readily available and is known for routinely lying to anyone for any reason to elicit even more money. Vargas is a self-proclaimed -gangster-; he recruited Lanphier by advancing him a large sum of money to pay off his personal debts as well as additional funds to allow him to promote and advertise his law firm. Vargas insisted that his girlfriend, Norma Guzman, handle all monetary transactions and perform legal duties within Lanphier’s firm. Vargas directs Ms. Guzman to falsify amounts on their 2016 statement to avoid detection by Lanphier. Ultimately, Vargas gained complete authority of all business aspects of the firm and makes all the decisions while Lanphier makes none; even though he had entered into an equitable financial fee-split arrangement with Lanphier, Vargas insisted on pilfering even more money from the firm. Vargas has brazenly stated -I am the the (expletive) owner, I am (expletive) Lanphier.- In partnership with some non-attorney -associates-, including David Silva and Caesar (last name unknown), Vargas has managed to gain complete control and administration of Lanphier’s firm. As of this writing, Lanphier Law Firm is under investigation by both Federal Authorities and the California State bar for misappropriation of trust fund monies.

Vargas is both a user and supplier of illegal steroids, methamphetamine and other narcotics. He routinely threatens and intimidates anyone who questions or fails to follow his orders. Lanphier is in fear of unpredictable retribution from Vargas as he believes him to be not only capable, but more than willing, to carry out his threats of physical harm. Luis Vargas has several aliases, including, but not limited to, Joseph Guzman and Joseph Lopez. Together with his girlfriend, Norma Guzman, they own several trust accounts, solely for the purpose of veiling their funds from Electronic Data Discovery and the Internal Revenue Service. Vargas and others are routinely paid in cash to avoid detection by the State Bar and the IRS. It is entirely unfortunate that Steele Lanphier chose NOT to testify truthfully at State Bar Proceedings, ultimately giving his consent to this criminal enterprise that is an obvious formidable threat to the general public.

Financial Infidelity What Is It

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Although many are not familiar with the term financial infidelity, it has increasingly become a problem in many households across America. So what exactly is financial infidelity? Financial Infidelity occurs when one person in a committed relationship spends or hides money without disclosing it to their partner.

Like sexual infidelity, financial infidelity can destroy one’s marriage. Money problems are known to be one of the leading contributors to divorce. Financial infidelity happens to be at the top of the list of money problems that lead to divorce. Shockingly, Jennifer Brand, a family law specialist in Philadelphia, stated -I see more cases of divorce caused by financial infidelity than I do from sexual infidelity.-

So how many people out there are actually lying to their spouses about money? The numbers are surprisingly high. In a recent survey conducted by Harris Interactive, the following results were revealed:

Approximately 1 out of 3 people admit to lying to their partners about finances
One in Four people state that their partners have withheld financial information
Three out of Four people surveyed stated that they fight at least occasionally about money
One in Four adults believe that financial infidelity is worse than sexual infidelity
96% of the group surveyed reported that it is both partners’ responsibility to be completely honest about financial issues.

The results indicate that financial infidelity is a serious problem. As one can imagine, any form of dishonesty in a relationship can lead to serious trust issues. Those trust issues can ultimately break down the emotional connection needed to make a relationship last. The reality is that the effects of financial infidelity on a relationship are no different and oftentimes worse than sexual infidelity. If you are having a problem with being completely honest around your finances with your partner or are having problems getting over financial infidelity in your relationship, you should consider working with a financial therapist.

Nikiya Spence is a licensed psychotherapist, certified money coach, and speaker. Nikiya specializes in helping individuals and couples transform their relationship with money. Visit her website at or call 770-638-7145 for a free 30-minute no obligation consultation.

Homeowners Can Get Incredibly Flexible Finance!

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There is a combination of a home loan and line of credit that will provide a homeowner with all the finance he needs. Since the duration of home loans are extremely long, flexibility is essential because many things can happen in 30 years. Your needs will change over time and so should your source of financing.

The problem of flexibility of mortgage loans was already solved by a home loan type that adapts to the borrowers needs. However, if the borrower wanted additional cash for some unexpected expenses, there was no solution provided by these loans. Thats why a combination of home loan and home equity line of credit is the best option for ultimate flexibility.

Option Mortgage Loans

The first part of this Loan Combo is the mortgage loan. The idea of these loans is that while for a certain situation a fixed interest rate mortgage loan would be the best option for you, you may have to go through difficult times eventually and you would prefer an interest only mortgage loan then. And perhaps, later your financial situation would improve and you would prefer to take advantage of better market conditions with a variable rate mortgage loan.

Normally you would have to refinance your loan many times over the life of a 30 years home loan in order to do all the above. But Option Mortgage Loans let you choose the set of rules that will apply to your loan each time you pay your mortgage installment. That way, if you go through some hardship you can pay only the interests and postpone the payment of principal. Or if you run into extra income you can choose to pay off your home loan sooner.

Home Equity Line of Credit

A home equity line of credit will complement an Option Mortgage Loan by providing additional finance each time you are in need of cash. So, if you suddenly find yourself in a complicated financial situation, you can not only reduce your monthly payments by changing your mortgage loan to an interest only home loan but you can also get extra cash by withdrawing money from your home equity line of credit.

The home equity line of credit is secured on your home, thus both the mortgage and the line of credit have the same security. A property worth $150,000 can easily provide you with a line of credit of $50,000 if your outstanding mortgage is $100,000. As you can see, its an excellent option for solving your finance issues for many years. You wont need to resort to any other source of finance again.

The main benefit of these lines of credit is that while you repay the money withdrawn, the cash will be available again right away if you need it again. Thus, you wont have to apply for a loan each time you need cash. Moreover, the interest rate charged for these loan products is significantly lower than that of personal loans and credit cards.

Star Wars An Epic In Space Opera Franchise

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Star wars can be said as an epic in space opera franchise conceived initially by George Lucas. Star wars was released on May 25, 1977 under 20th Century Fox banner and soon became popular worldwide. Star wars films has generated a total of $4.3 billion box office revenue, making it the third-highest grossing film series. The franchise has also spawned other media starting from television series, books, comic books and video games resulting in the development of the series fictional universe.

The events developed in the star wars media take place in a fictional universe. The expanded universe and the alien creatures are depicted. Space travel is a very common thing that can be seen in the entire series. One of the most prominent element of the star wars is the Force, a form of energy that is omnipresent and can be harnessed by those who have ability to do so. The force allows the user to perform certain things that are supernatural and also amplify certain physical traits such as speed and reflexes. It is also looked as the dark side, when pursued, imbues the user with hatred and aggression leading to violence.

The series features many elements like Jedi knights, princesses and witches which are usually related to archetypes of the fantasy genre. The series feature sleek and futuristic settings, portrayed as dirty and grimy. In the early stages the concept of star wars was rejected but later the 13-page treatment written by Lucas lead to the remake of Akira Kurosawas The Hidden Fortress. Later on certain elements were added to the treatment such as the Sith, the Death Star, and a young boy as the protagonist named Annikin Starkiller, who later on became Lukes father, a wise Jedi knight. Here the force was introduced as a supernatural power.

The film became more satisfying as a self-contained film, ending with the destruction of the Empire by way of destroying the Death Star. With the success of the Star Wars, the film was elaborated as a series creating an independent film making centre. The term expanded universe is widely used and explained well in Star Wars. George Lucas retains artistic control over the Star Wars universe. The elements of the Expanded Universe has been well adopted in the film. To date, six films and three animation series have been produced for the television, with a live action series and a 3D-CGI animated series as well as Full length theatrical movie. In addition to the trilogies, several authorized films have also been produced. The Star Wars saga has also inspired many fans to create their own apocrypha set in the Star Wars galaxy.

Ways to Become A Successful Entrepreneur

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Managing once business is not easy, you have to be creative and flexible to become success. Its about create ones life as it is about making a living. It takes time, courage and determination to become a successful entrepreneur. There are a lot of ways to become one of the successful entrepreneur, these ways are proven to some people who achieve their goal. Check if you possess one of them:

Discipline yourself. Adam smith once said, Do what you should do, when you should do it, whether you like it or not. Self discipline is the most important traits to success. You have to be strong in every step that you and this will lead you into some kind of satisfaction.

Have Faith. If you do it very easy, then youre not doing it right. If you do it hard, then you are doing right. Some entrepreneurs suffered failure and defeats, even bankruptcy, yet eagerly stand up to make it big in their fields. If you have faith, nothing can stop you. You must learn to pick yourself up to start all over again. You have to learn some experience that can teach you a lesson which wakes you up from a suffering.

Work Hard. As many success people do, they actually work harder and harder. No one achieves goal just by simply waiting for a chance and sitting in the chair thinking every single day. Working hard will be easy if you have a mission and vision in your life. Erase all temptations that could distract you determination to become success.

Focus on your strength. Each of us has strengths and weaknesses. To be more effective, you have to know your strength and concentrate on it. You will become more successful if you are able to connect your efforts to areas that you do best.

Eagerness to learn. You dont have to be a degree holder or a PhD graduate to succeed in your own business. In fact, there are a lot of entrepreneurs are degree holders. Some didnt finish college. These people reached their full potential achieved their financial and personal goals in business because they are willing to learn. To be successful, you must be willing to ask questions, this will help you to gain more knowledge to some experts. You must be interested to every detail, because that would serve as the new knowledge to reach and fulfill your goal. Willingness to learn is one of the most important in doing business.

Company Car Or Company Car Allowance – Which Should I Choose


If you have the choice of a Company Car or Company Car Allowance, you should check out how much Company Car Tax (or Benefit In Kind Tax as it is also known) that you would pay if you accept a company vehicle, and then decide whether to go for the Company Car or cash. You could be better off taking the car allowance and leasing a car yourself, even though the allowance is taxable.

The Cash for Car scheme has become increasingly popular with both employers and employees in recent years. Employers save time and money in not having to source, maintain and administer a fleet, although they must always be aware of their Duty of Care and Health & Safety responsibilities. And as an employee, you have more freedom to choose the car you drive, and you could even be better off if you dont spend all of the company car allowance you receive. However, some employers do stipulate the type and age of vehicle that is acceptable, according to the job you are doing.

If you choose to accept a Company Car Allowance, its worth considering Car Leasing vs Buying. Car Leasing (also known as Contract Hire) is simply the hiring of a vehicle for an agreed period of time for a fixed monthly rental. Unlike Short Term Rental or daily rental, a car lease is usually for 2-5 years, after which you can simply hand the car back with no further commitment or, in some case, you may be able to purchase the vehicle if you wish. Car Leasing is a convenient, cost-effective and hassle-free way of financing a new vehicle, and there are many benefits of leasing a car. It enables easy budgeting of your motoring costs, and the fixed monthly payments can even include servicing and maintenance. Also, theres no need to worry about depreciation or disposing of the vehicle at the end of the contract.

Dont forget that if you choose the company car instead of the company car allowance, all your motoring costs (except private fuel) will be taken care of by your employer including insurance, road tax, servicing and repairs. If you choose the company car allowance, you will have to pay for these things yourself.

If you choose a company car allowance and lease a vehicle which you use in the course of your job, youre entitled to claim from your employer a mileage allowance for each business mile travelled. H.M. Revenue & Customs approves certain mileage rates that employees can claim for business travel, and the current rate is 40p per mile. Check the HMRC website for the latest information.

Part way between the company car and a company car allowance is something called Employee Car Ownership. This is where your employer gives you a car allowance, but the company organizes the finance deal and takes care of insurance and running costs. This may also be worth considering if your employer offers such a scheme.