Tactics for Faster Home Loan Payoff

You know the deal: The more rapidly you pay back debt, the less money you’re going to pay your creditors and the more you’ll end up keeping for yourself. If you’d like to pay your loans off more quickly, you’re going to require extra funds, and a few tips and tricks — but it can be done. Thankfully, we have some terrific budget hacks for faster loan repayment, which can get you the results you’re looking for.


Rebalance your balance sheet. There are two methods to get additional elbow room in your budget for an accelerated mortgage payoff: Lower expenses and generate extra money. You definitely want to do both.


On the expense side, bundle insurances and renegotiate. If you’ve been with your insurer for some time, simply call them and say you’re unhappy with your fees. You should let them know you’re shopping for different options to get a better price. You could be amazed at how many new “discounts” they’re suddenly able to offer.


Rethink your cable bill. Do you actually need all those top-tier channels? You can stream a lot of entertainment totally free or at affordable prices over the internet. Also, stop outsourcing household chores like cleaning and garden work. Nobody enjoys doing these things. But unless you’ve got a far more financially rewarding method to devote your non-work time to, it’s time to start washing and weeding.


Produce some extra revenue to increase your resources for debt reduction. Sell all the things you don’t need anymore. Get on Ebay and list that collection of beer steins from college. You’ll find dozens of other online selling providers and auction sites: ThredUp.com, shopstick.com, yerdle.com, varagesale.com and of course, the initial online classified resource, craigslist.com. Make a few bucks on the side. Everybody has some skill that someone else will pay for. Check out TaskRabbit.com and UpWork.com to discover the simple skills lots of people are prepared to pay someone to do — like being an online personal assistant or holiday shopper — and put those extra dollars toward quicker loan repayment.


Get your whole household involved. Everyone’s wants and needs created the problem, and you’re going to be doing your family a favor by showing all of them how to take charge and defeat household debt. Hold a family meeting to brainstorm, and enlist everyone to cut back on expenses by staying aware of energy and water usage, pitching in to perform outsourced chores and even earning a little extra cash. As an incentive, set aside some of the extra revenue you save or make to pay for a special treat like a trip to the beach.


Use a biweekly mortgage repayment calculator. This can be your roadmap to quicker debt reduction. To reach a goal, you have to see where you’re going and precisely what you have to do in order to get there. Make use of a biweekly loan calculator [link] to find how much extra you have to apply to your debts monthly for an accelerated loan payoff. Biweekly mortgage payments can not only get you out of debt a lot quicker, but also save you money on interest over the life of the loan. Experiment with the calculator to check out how additional payments will allow you to attain your objective of faster loan payoff.


AutoPayPlus will let you pay down your mortgage faster. Withdrawals out of your account every other week fit conveniently with paychecks and your monthly budget, while an extra half-payment twice a year added toward principal reduces interest over the life of the mortgage. Take a look at this site to find out more about rapid loan repayment. Find out how much time and money you can save with AutoPayPlus’ Auto Loan Calculator!

Aging Skin and Retinol

hands-walking-stick-elderly-old-personAs you age your skin begins to lose some of its natural ability to grow new cells. This slowed cell turn-over can make your skin show fine lines, wrinkles and give your skin a duller look. There are quite a few anti-aging lotions that are formulated to help your skin regain its youthful appearance. One of the most researched and well-known anti-aging skin treatments is retinol.


Retinol is a derivate of vitamin A. It prevents dead skin cells from collecting in your pores and follicles, increases the speed of cell regrowth, and stimulates collagen ability to rebuild. This enhances your skin for a more youthful look. Side-effects of retinol tend to be minor and may involve sun-sensitivity, redness, dryness, irritation, skin peeling.


Collagen is a protein that is a main component in your skin. Anti-aging treatments with retinol encourage collagen to regrow, enhancing your skins look. Medical News Today describes it as: “Collagen is the most abundant protein in the human body and is the substance that holds the whole body together. It is found in the bones, muscles, skin and tendons, where it forms a scaffold to provide strength and structure.” The word collagen comes from the Greek word “Koll” meaning glue.


Skin care treatments containing Retinol have been widely researched. Retinol has had the most abundant amount of scientific research for any skin care treatment. Because of this, Retinol is considered to be one of the safest and most effective treatments for many skin care issues. Its anti-aging properties are one of its most sought after uses.


The original products containing retinol, called tretinoin, tended to be very irritating to the skin. Today’s retinol formulas are used as a safe and effective product for extended use, including on sensitive skin. Retinol is most often used to treat skin conditions such as fine lines, sun damage, wrinkles, dullness, uneven pigmentation, melisma, and roughness. Retinol can also be used as a practical treatment for acne.


Retinol products can be found as either a prescription or over-the-counter (OTC) product. OTC retinol treatments tend to be weaker than prescription forms. To make sure you are purchasing a high quality OTC retinol product look for vitamin A as one of the first five ingredients listed, and that the product is packaged in an air-tight, opaque bottle. Check the expiration date for product freshness. Prescription strength variets of Retinol can include Tretinoin -name brands Atralin, Retin-A, Retin-A Micro, and Renova; Tazarotene –name brand Tazorac; and Adapalene-name brand Differin.


Retinol treatments work well for both day and night use. With your nighttime application, apply with an anti-oxidant. In conjunction with your daytime product, apply with a sunscreen to improve your skins’ defenses against sun damage. The best quality retinol products can be purchased at most cosmetic and skin care specialists practices, including Orlando Skin Solutions, the highest quality in skin care service. Orlando Skin Solutions supports the use of Avene’s Retinol System for your anti-aging skin care treatments. This includes the Retrinal 0.1, Retrinal Eyes, and Retrinal HAF Firming Gel.



  1. Orlando Skin Solutions. “Anti-aging Skin Care: Why Do I Need Retinol?”

14 June 2016



  1. Medical News Today. “What is Collagen? What Does Collagen Do?”

14 June 2016


Ways to Condition Your Granite

pexels-photo-119931Granite is a naturally beautiful stone often made into countertops. The surface, with proper maintenance, can be made to be scratch, burn and stain resistant. Your finish can remain beautiful with quality cleaning products such as Marblelife Granite & Quartz Countertop Cleaner. You can purchase this product here: https://marblelifeproducts.com/product/granite-countertop-cleaner/ When properly cared for, your countertops shouldn’t need polishing and glossing.


Although generally not necessary, when polishing granite is desired it should only be done by trained professionals. Granite polishing is not like polishing your furniture. Hard abrasives and friction are used with varying coarseness and heat is used in varying degrees. A dull granite finish probably doesn’t need to be polished. A dull finish is generally caused by a residue. Certain products can leave this residue including, dish soaps, oils, and common cleaning products.


Granite’s surface is porous and has tiny pits and holes. Foods, oils, and bacteria can get easily stuck in these spots. When this happens the finish can look dull. It can also become rancid and omit an odor. Properly cleaning the surface, and conditioning if desired, can ensure this doesn’t happen. Using cleaning products made for granite surfaces such as Marblelife Granite and Quartz Countertop Cleaner will remove the dullness and any substances in the surface. A cleaning product not made for granite surfaces can not only leave a residue, it can actually damage the surface. Never use any of these products to clean your granite surfaces: dish soap, alcohol, vinegar, common cleaners, multi-purpose cleaners, and plain water. Always use a product made specifically for granite such as a Marblelife cleaning products. To clean the surface, spray with cleaner, wipe up and buff dry using a microfiber towel. Buffing removes any remaining residue. Your countertops should now look like new.


For stains a little extra cleaning is needed. Clean the area as usual, then re-spray the cleaner on the stain and let it soak for ten minutes. After ten minutes, take a tooth brush and scrub the stained area, buff dry with a microfiber towel. Another basic spray, wipe and dry will take-up anything left behind. Certain foods are more prone to stain your granite finish. Some of these are ketchup, mustard, red sports drinks, red wines, coffee, and barbecue sauces.


You can now apply a conditioner. Only apply a product specifically made for granite such as Marblelife Granite Countertop Gloss Conditioner. This product is a highly effective conditioner that is odor-free, and safe to use. The gloss conditioner is considered an appearance product. It will make the surface of your granite countertops look wetter and enhance the natural richness of the colors in it. Some granite won’t take conditioners. Often these products are too thick for the gloss conditioner to be able to work. The only way to know if a gloss conditioner will work on your granite is to try it. If you can see a noticeable difference then a gloss conditioner will work. Using the right cleaning products and gloss conditioners will help your granite countertops to maintain their original natural beauty and shine.


If you find the job is bigger than what you want to take on, it is best to contact a professional stone craftsmen that can clean and polish the granite for you. MARBLELIFE of Los Angeles can help you bring your granite back to life.

To locate a stone care professional, contact Marblelife Of Los Angeles at 888-218-4616 or visit http://marblelife-losangeles.com for more information.

Things to Consider When Hiring a Commercial Cleaning Company

There are several things to consider when looking to hire a commercial cleaning company. The most important step is putting in the time to research a company. This will make finding the right commercial cleaning company easier for all your cleaning business needs. Hiring a commercial cleaning company has many benefits for a business. A clean, well maintained business environment can increase employee job performance and improve the overall business image.


References from other businesses that have already used the company’s cleaning services is a great source of information. Both good and bad opinions can help in making the decision about which commercial cleaning company is right for you. Other things to consider are the type of cleaning services you need for your business and the type of services a commercial cleaning company provides.


Commercial cleaning companies provide all types of different services, from general to specialty. If you already have an in-house cleaning staff for daily cleaning, you may need to consider specialty cleaning services that your staff doesn’t have the training or certifications for. Commercial cleaning companies provide their services generally on set schedules such as daily, weekly, bi-weekly, monthly or one-time. Deciding what level of cleaning services and schedule works best for you and what a commercial cleaning company has to offer will help determine which company is the best fit for your business.


It’s important for a business to have a plan in case of an emergency. When looking into a commercial cleaning company for every day cleaning, making sure the company also provides post emergency cleaning services. This is a good investment decision for your business. Emergency cleaning services may include clean-up after damage caused by flooding, fire, or smoke.


It’s important for a commercial cleaning company to have the proper training and certification for the services they provide. According to the International Janitorial Cleaning Services Association there are several common certifications for professional cleaners. These may include Blood Borne Pathogens Certification, Mold Inspection & Remediation Services, Green Cleaning Company Certification, and Chemical Hazards Certification. Some of the certifications are required to be approved by the Occupational Safety & Health Administration, better known as OSHA, a division of the U.S. Department of Labor. A commercial cleaning company that is fully trained and certified will often be the company that provides quality services.


Free estimates for potential customers is a good way to research different commercial cleaning companies before making an investment. Asking for free estimates for both regularly scheduled and one-time services can help with reducing the costs of hiring a commercial cleaning company.


There are a few key factors to consider before hiring a commercial cleaning company. Making sure the commercial cleaning company has the proper certifications and training for their employees is an important factor when choosing a commercial cleaning company. The types of services provided and the commercial cleaning company’s availability to provide the services to fit your business needs will help ensure that you find the right commercial cleaning company. One company has stood out throughout many years by always keeping up with their necessary certifications, continuously provides excellent quality, and employing knowledgable, helpful staff. Because of these qualities, N&A Commercial Cleaning & Janitorial Services Orlando is a trusted company in the central Florida area.


  1. International Janitorial Cleaning Services Association. “Certification Courses”

16 April 2016