Are you interested in the best skin care available? If so you need to know about collagen skin care treatments. Collagen is one of the most important proteins in our bodies, and in particular in our skin, and collagen replacement as we age is essential. But most collagen treatments don’t actually resupply our skin’s store of collagen.Collagen is an extremely important protein for our bodies, and our skin, because it is extremely strong and forms fibers, or strands, that help hold us all together. And collagen in our skin helps keep our skin firmer and more elastic, and more supple.Pinch a piece of your skin and pull and let go and it snaps back into place. It’s collagen that supplies that “snap”. Well at least our skin snaps back into place if we’re young, but as we age that “snap” back reduces.Why? Because as we age our skin starts to lose it’s essential supply of collagen, and doesn’t produce as much as it did. Gradually our levels of skin collagen reduce, and that is one of the major causes of our wrinkles, lines, crows feet and sagging skin that we seem to be stricken with as we age.Basically our skin is losing it’s “snap”. It’s losing it’s skin elasticity, and is suffering more and more from the forces of gravity.So the question is, how do we restore our skin’s supply of collagen as we age? Are there collagen skin care treatments that successfully restore our skin’s collagen supplies? Do collagen treatments work?The basic answer is that most collagen skin care products don’t restore our skin supply at all. Traditional collagen skin care treatments found in most anti aging and skin care products revolve around adding it to that bottle of moisturizer or night cream or day cream or whatever cream it is that is promoted as an anti aging cream. Sadly though, there is no evidence that supplying collagen to the skin can result in the skin increasing it’s supply of collagen, because it is not known if skin collagen can even absorb any more.And it is known that collagen molecules are too big to penetrate the skin anyway, so any applied topically to the skin remains on the surface of the skin, unable to penetrate.So why would these skin care and anti aging companies put it in those bottles of skin care products if it really doesn’t actually do anything? Because when people see collagen listed on the label they buy the products, and those collagen skin care products you see on the shelves sell like crazy. So it’s in the bottle.But there is a product that is known to restore skin collagen. It doesn’t do it by adding it to the skin, because that isn’t shown to work. It does it by stimulating the skin to make more of it’s own. If the skin produces it’s own supplies that has to work, because the skin is restoring it’s own stock of collagen itself.It’s a product called Cynergy TK, and it’s found in the best natural skin care products. It’s very effective, studies have shown visible results within a month. But it’s expensive, so the big brands don’t use it. Why would they when their anti aging products sell like crazy with cheaper ingredients.But there are small niche skin care companies that make excellent collagen skin care products using Cynergy TK. They can’t possibley compete with the big brands on marketing, because they can’t afford the TV advertising, so they compete on product quality instead. So when they get a new customer they usually get a customer for life.And their products are cost competitive because they don’t need to factor in the cost of TV advertising. But because they don’t advertise you are unlikely to know their name.So if you’re looking for effective collagen skin care treatments they do exist, but you need to work a little harder to find them.
10 Ways To Boost Your Credit Score
1. Deleting Errors in 48 HoursThis is the absolute fastest way to correct errors on your credit
report and raise your credit score. However, it can only be done
through a mortgage company or a bank. If you apply for a home
loan and find errors on your credit report, request the loan
officer to conduct a Rapid Rescore. But don’t mistake it for the
credit clinic tactic of multiple dispute letters.The Rapid Rescore strategy requires proper paperwork. You need
proof that the item is incorrect. It must come from the creditor
directly. For example, a letter stating the account is not your
account, a letter stating the account was paid satisfactorily,
a release of lien, a satisfaction of judgment, a bankruptcy
discharge, a letter for deletion of collection account or any
relevant evidence.This is the same documentation a bank or mortgage company would
require for the credit accounts anyways. The difference is, now
you can improve your credit score and receive a lower interest
rate. The results are not guaranteed and will run you about $50
per account.2. Deleting Negative CreditThis is the infamous area where you’ve heard of all the scams.
Credit repair clinics charge “an arm and a leg” and promise a
clean credit report. Sometimes even a new credit profile! People
spending hundreds, or even thousands, of dollars for something
they can do themselves.Removing errors is simple. Deleting negative credit that is
accurate requires advanced methods. But that is not the scope
of this report. So I’ll focus on the deleting the negative
errors.Credit report errors easily disappear by using a simple dispute
letter. If you have the paperwork proving the error as mentioned
above in Rapid Rescore, send copies of that along with the
dispute letter. This will make the credit bureau’s job easier and
you will get faster results.If you don’t have the documentation to prove the error(s), send
the dispute letter anyway. According to federal law, the credit
bureau’s have a “reasonable time” to validate your claim. They
will contact the creditor for verification of your dispute. Then
the account will be reported accurately – or deleted. It has been
generally accepted the “reasonable time” to complete this task is
30 days.If you’re not the do-it-yourself kind of person. Or don’t have
the time. You could hire someone who is very economical.3. PiggyBack Someone’s CreditThis is a fast and great little credit score booster. But it
requires a very trusting relationship. Simply put, someone else
adds you to their credit account. For example, when applying for
a credit card, you may have seen the section to add a card holder.
If your trusting person adds you, their payment history is now
reported on your credit report too. If they have perfect credit,
now you have a perfect account.To make this more effective, use an aged account. Imagine if your
trusted person has a 10 year old credit card account with a
perfect payment history and a balance of only 50% of the credit
limit. Wouldn’t you love to have this on your credit report? The
easy part is your trusted person just calls the credit card
company and requests a form to add a cardholder. Once completed
and activated, their entire account history and future is now
firmly planted on your account. Imagine if you secured 3-5 of
these accounts – especially installment accounts. Your credit
score could sky-rocket!The challenging part? Finding the trusted person. Since you already
have a low credit score and bad credit, how eager will someone be
to make you a cardholder? Even your parents don’t want you to
damage their credit. But, no one says you need to possess the card!
In other words, your trusted person could add you as a card holder
and never give you the card or PIN or any information. Since the
bills and all account information is still mailed to the trusted
person’s address, you won’t know anything about the account. This
scenario could land you many trusted persons. And you still benefit
with a higher credit score.4. Playing Round RobinThis strategy is one of the oldest credit building techniques
around. It used to be accomplished with secured savings accounts.
But now, it’s much easier with secured credit cards. In fact,
I’ve used this method myself.Here’s how it works: Take ,000 (or what you can afford) and get
a secured credit card. Once received, get a cash advance of 70%
of your credit limit. Get a second secured credit card. Once
received, get a cash advance of 70% of your credit limit. Get a
third secured credit card. Once received, get a cash advance of
70% of your credit limit.Open a new checking account with the final cash advance. Use this
account only for making payments on your three new credit cards.
If you make your payments on time every month, your credit score
will increase because you now have three new perfect payment
credit cards. (Initially, your credit score might drop a few
points due to the rapid, multiple accounts being opened. However,
be patient because within 4 months of no new accounts or any
delinquencies of any account, you will see your credit score
increase. Mine increased 60 points in 60 days!!)5. Pay on TimeThis one is quite obvious. But after 12.5 years in the mortgage
business, I discovered it still needs repeating. Your creditors
were gracious enough to loan you money. Now pay your damn bills!
If you don’t, your credit score decreases. EVEN IF ONLY 30 DAYS
LATE!That’s right folks. For some reason people think, “I’m only a
few weeks late. What’s the big deal?” Well, for the loan company,
if you pay late but consistent, they make a lot more money with
late fees and more interest (if a simple interest loan). For you,
your credit score is damaged. If you think long-term and credit
score, I’m certain you would not have a cavalier attitude.6. Pay Down DebtsThis seems like an obvious method, doesn’t it? But it is not as
transparent as you might think. Remember, we’re playing with
high-level statistics and probabilities which evaluates and
forecasts trends in your behavior. Here’s what you do…Never pay off your revolving debt in it’s entirety! Isn’t that a
surprise? Think about it. Your credit score is a reflection of
your ability to manage your credit. Paying off your debt is not
managing your debt. If you have a zero balance, how can you manage
it? You don’t. It no longer exists. And you cannot manage what
does not exist, right? Therefore, in terms of credit score, you
have demonstrated your ability to swiftly pay off accounts to
avoid managing them. Thus, slightly decreasing your credit score.One exception, of course, is if you’re over extended to begin
with. Pay off what’s necessary to make your credit profile look
great. Then manage the remaining credit.7. Don’t Close AccountsEven if you pay off revolving debts, do not close the account.
The longer an account is open with no negative reports, the
better it reflects in your overall credit score. This is due to
the weighted-average in the credit score formula. Many credit
experts suggest a balance of 30% of your credit limit. That’s
ideal. But you can go as high as 70% and still maintain a
healthy credit score.8. No New CreditYou must be vigilant in your credit behavior if you want the best
credit score. Therefore, do not get any new credit unless it is
absolutely necessary. Each time you apply for credit, an inquiry
is added to your report. This usually drops your credit score
slightly. When you have fresh credit, there is no track record
how you will manage (or pay) this account. Therefore, it’s a
higher risk which results in a minor drop in your credit score.
Remember, your credit score is about risk assessment.Here’s what you do: obtain credit for your housing, transportation,
college or continued education and 3-5 credit cards. That’s really
all you need for personal credit. If you want more credit, request
a credit limit increase on your current cards rather than apply
for new ones.9. Maintain A Mix of Credit TypesIf you show you can handle different types of credit at the same
time, you are rewarded with a great credit score. In other words,
get installment loans like vehicle, personal loan or mortgage.
Get revolving credit like credit cards: Visa, Mastercard, Sears,
Sunoco Gas, Costco. By mixing it up, you demonstrate you can
manage your credit because you will have short term and long term
credit with a fixed payment. As well as a “variable” monthly
payment on your credit cards.Keep these accounts open with a balance of 70% or less and paid
on time and you will witness your credit score climb to great
heights.10. Don’t File Bankruptcy or ForeclosureHere’s the most obvious advice: Don’t file for bankruptcy or
foreclosure. These stay on your credit report for 10 years and
always decrease your credit score. The older the bankruptcy or
foreclosure account becomes, coupled with re-built credit
history, the less of an impact they play on your credit score.Contrary to popular beliefs, you can legally delete a bankruptcy
and foreclosure. It’s not easy. But it’s possible. See the
advanced methods for that solution.To quickly rebuild your credit history after a bankruptcy or
foreclosure, use the Round Robin strategy above and get secured
credit cards. Now you can even get a car loan or mortgage right
after bankruptcy.© 2004 David Czach.——– Editor’s Note ———-Dave Czach has 12 years experience in the mortgage business and
a Bachelor’s Degree in Real Estate. He can be reached at
http://myLoanHero.com/go.cgi/daveczach.This article may be reprinted without compensation provided
there are no changes whatsoever to the article, the copyright
notice and the complete Editor’s Note. Any reprinting or
duplication without these conditions is copyright infringement.——– Editor’s Note ———-
The 6 Benefits Of Receiving Full Nutrition
It seems as though everyone is concerned about their diets; what they eat, why they shouldn’t eat other foods, and what full nutrition really is. It is not surprising really as statistics show that inactivity and unhealthy eating contribute to over 300,000 deaths every year in the United States. The high saturated fat, sugar, sodium and low in fruits, veggies, calcium and fiber diets are very unhealthy and increase risks of several diseases. The body therefore requires a diet rich in fruits, vegetables, calcium, whole gains and fiber. Read on and discover more on the importance of proper nutrition for a healthy lifestyle.1. Muscle-tissue building and maintenance
Having full nutrition is vital in helping foster the growth of body lean muscle tissues and helps in its maintenance. The body’s muscle mass is such an incredibly energy-demanding tissue, meaning that, the more you have, the higher the body’s metabolism. There is no better way of weight management than body muscle mass building as far as a healthy weight is concerned. Proper nutrition allows you all this, and in addition, if you succeed in building more body muscles and maintain your weight, you will be in a position to avoid all other sorts of diseases related to obesity.2. Reduced Health Risks associated with diets
Proper full nutrition means a balanced-diet that includes a variety of healthy foods. Researchers have gone ahead and provided suggestions and guides to the best foods; “food pyramid” that entails grains, cheese, meat, vegetables, grains, fruits, oils and beans that provide all nutrients and vitamins the body requires. These should however be taken at appropriate and equal amounts from each of the food-group every day. With the right diet that provides good nutrition therefore, you can reduce the risks of certain health problems. Such health issues include high blood pressure, high body cholesterol, type 2-diabetes, heart disease, several types of cancer and stroke among other problems that are associated with improper nutrition.3. Enhances Your Immune System
A full nutrition diet helps in enhancing your immune system and this prevents you from frequent short illnesses. Every day, you come across a number of stressors, from your work place, to exercise-stress to financial stress, all these take a toll on the immune system of your body. Through feeding your body’s immune system with high quality nutrients you will definitely ensure that it stays strong and makes you feel much better every day. Veggies and fruits are especially very vital for your immune system health, be sure therefore to load-up these in your diet.4. Little Helpers of the body
Adequate full nutrition acts as helpers of the body. The body requires minerals and vitamins but in small quantities only. These function as co-enzymes meaning that they help a lot with chemical reactions. For instance, Vitamin B complex is important in burning carbohydrates; the body’s source of energy. Vitamin A is needed for good vision and Vitamin C helps to keep connective body tissues strong and the immune system functioning. Minerals such as Zinc contribute to metabolic processes. Healthy balanced diets provide the body with lots of minerals and vitamins, therefore, your diet should have adequate quantities of these body helpers.5. Manage Weight
Good nutrition is paramount in body weight management. While the quality of foods in your diet is important, the quantity matters also. To avoid weight gain, or to shed off some pounds, then choose the kind of foods that is low in fats, especially saturated fat. According to nutrition specialists, one extra gram of fat adds about 9calories to your food diet. Choosing low fat meats veggies and fruits keep the calories count down in the body. You can even reduce calories further in the body by limiting yourself to less drinks and snacks as well that are loaded with lots of sugar.6. Improve general health
Apart from lowering your vulnerability to several serious medical problems, maintaining full nutrition has a lot of other health benefits. Nutrition specialists explain that one has more energy and is able to delay aging effects and maintains a healthy skin by having proper nutrition. In addition to this, other benefits include healthy teeth and disease resistance.Giving your body full nutrition is a vital element in leading a healthy lifestyle and its importance is unquestionable. In fact, nutritionists agree that the formula for a healthy and fit body is; 10% exercise, 10%genetics and 80% nutrition. You cannot control the genetics, but you surely can control the 90%.