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Is A Debt Consolidation Loan Like Bankruptcy? The Differences Explained

There are a great number of people who are confused about the differences between debt consolidation loan services and bankruptcy. Both of these are options designed to help people manage their debt without greatly affecting their quality of life in the process.

The major difference between a debt consolidation loan and bankruptcy is that you, as a debtor, are still paying 100% of your debt obligations through the consolidation loan. There are no negotiations towards reducing your debt or discharging it through a bankruptcy filing. You can read more here - http://www.toptenreviews.com/money/debt/best-debt-consolidation-companies/.

This important distinction is what sets these two debt management practices apart, and what can make debt consolidation loan services much more attractive than bankruptcy or debt settlement. There are more differences between these two that, once explained, can help you decide which is the option for you.

Your Credit Score Will Not Take a Plunge

While debt consolidation can affect your credit score, especially if the loan agreement specifies that you must close your existing credit accounts, this is not nearly as dramatic a change as the effect that a bankruptcy filing would have. A consolidation loan will leave you with a good enough credit score to take care of most future needs.

In fact, if you have already stumbled as a result of your debt and missed payments, then your debt consolidation loan may end up helping you improve your credit score by allowing you to make timely and consistent payments until you are effectively debt-free.

Your Debts Remain Valid, Although Restructured

Many people seek debt consolidation loan services under the misguided idea that the third party agency involved can make their existing debts go away by assuming the debts themselves. Although you will no longer be harassed by your current creditors for payments, you are still obligated to pay your debts back just as you would be otherwise.

The fact that a debt consolidation service may be able to negotiate a better interest rate is something that can help you enjoy more manageable finances throughout this period. Lower monthly payments over a longer period of time with a lower interest rate can help you manage your existing debts while still giving you the ability to pay them back in full over time.

For this reason, consolidation loan services are generally vastly preferred over bankruptcy filing, which may discharge you from your debt obligations, but will also gravely affect your future credit worthiness.

 

 

 

You Too Can Have Flawless Skin In As Little As Seven Days

You may think that in order to have whiter and younger looking skin you need to go to very expensive skincare salons every week and have many treatments done there, but that is not how things go. There are more affordable ways you can consider to ensure your skin looks absolutely perfect and if you don't have the large budget that some people have to spend for improving their looks, then the tips below are exactly what you're looking for.

Try it first with a phytoceramide supplement


The first thing you need to do if you want to improve the way your skin looks is using a phytoceramide supplement. If you don't know what they are, well, these are supplements that are made only with natural ingredients in the USA, contain no gluten (and thus are perfect for vegetarians) and are also fortified with a series of vitamins, namely Vitamin A, C, D and E. Because of that, after taking them you can expect your skin to look better in as little as 14 days.

 

 

What is your skin type?


There are 4 types of skin people generally have, including sensitive skin, dry skin, oily skin and a combination of each of these types. Know considering that you already know the type of skin you have, you should get in touch with your dermatologist and see what she recommends you in terms of beauty products. If you want, you could also go online and see what people on the forums recommend to buy for a perfect skincare routine.

You need to wash your skin every day


If you have friends that have perfect looking skin, you should know that they achieve that by first of all washing their skin every day at least for a few times. So when you wake up in the morning, be sure to wash your skin, use a facial scrub (once a week or twice a week is recommended) and then apply your favorite moisturizer. In the night, before you go to bed, use a good quality makeup remover, wash your face and then apply a night cream or moisturizer.

Be careful what you eat


Last but not least, all you need to do is make sure you have a healthy diet that doesn't consist of sugary and greasy foods. In fact, you can easily stay healthy if you start eating more fruits and vegetables and cook food at home.

 

 

The Best Way To Prepare Turmeric Powder

 

For centuries Indian and Chinese people have been using turmeric curcumin in order to cure a wide range of diseases and conditions and ever since the western world has found out about it, millions of people have started using it on a daily basis. So if you finally decided to get some turmeric powder, but you have no idea about what you need to do to prepare it properly, have no worries. In the paragraphs below we're going to tell you all you need to know about this.

 

 

Get some gloves

When you want to prepare turmeric extract for inflammation you'll first of all need to get your hands on a pair of disposable gloves, since turmeric can stain pretty easily and even if it eventually goes away, it's going to take several days until your hands are back to their normal color.

Boil the root

Now considering that you have purchased your root from an authorized seller, you should proceed with boiling it for about forty five minutes. This is a special process that many turmeric manufacturers refer to as curing. When you boil the root, you basically make it softer and therefore it's much easier to grind it once it gets dry. On top of that, this process also improves the turmeric's color and flavor.

Peel it and dry it

After curing the turmeric root, it's time that you use a potato peeler and peel the root very well. Next, take a knife and start cutting it in pieces that are two inches in length. Now when it comes to drying the turmeric, everyone can do it in their own way, but it's best that you dry it in a well-ventilated area and never in the sun. If you do put it in the sun, then its beautiful yellow color is going to fade. As for the amount of time the drying process should take, it's around seven days. In fact, you can tell the turmeric root is completely dry when there's no sign of moisture left and when the root is very hard.

Grind it

You finally have come to the point where you have to grind the root and the best way to do this is by using an electric food processor. If you don't actually have an electric grinder, then you use pestle and mortar to grind it. Since there are going to be large chunks of turmeric root, you need to use a sieve in order to filter them out.