Buying Guide

The Disadvantages of Reverse Mortgages on Splash Pages Debate

Splash pages are used by reverse mortgage websites to generate leads for salesmen and agents. There is a large demand for good reverse mortgage leads and there is no shortage of people who are signing up for them. One of the complaints that we hear most often is the lack of information on these websites.The great debate in the industry right now between the website builders who generate leads to sell to agents and the agents who believe the disadvantages should be there, on the website for the entire world to see.

Don’t Splash Too Much Information

Lead generation specialists hold that if you put the reverse mortgage disadvantages on the website, no one would sign up for the service and they would have fewer good leads. They also contend that there is too much information as it is and that one of the incentives for signing on as leads is to obtain that information. They firmly believe that the general public will not be interested if too much information is given to them right up front. Part of the allure is the lack of information and that they need to find that point where they give just enough to peak the curiosity of those interested in reverse mortgages.

Illustrating the Truth

Reverse Mortgages sales agents believe that the websites should disclose more information. They contend that while the quantity of people who sign up may go down, the quality of those that do will be much stronger. In response to webmasters resisting putting down the reverse mortgage disadvantages, agents say that they could at least pose the statements as reverse mortgages pros and cons. They believe that since the pros far outweigh the cons, they would be illustrating an important sales tool in which people buy into the idea of there being more good than bad.

No Truth in Lending

The truth in lending act of 1968 clears promotes and even demands the full disclosure of facts and fees. However, it says nothing about those facts needing to be on the website or a splash page that is the first introduction page and that has a sole purpose of finding interested people. To put the disadvantages on the splash page might do more harm than good. Could it be that the agents do not want to go through a reverse mortgages pros and cons list with every customer?

How to Share Facebook Photo Albums with Non-Facebook Users

Sharing photo albums with fellow users on Facebook is easy. But like most Facebook users, you probably have family and friends who do not have Facebook accounts, or at least do not check them often. You can still share your albums with these friends. And thankfully you do not have to upload the pictures to a file-hosting site like Photobucket, Flckr or SkyDrive to do so. You can share your albums right from within Facebook.

How to Share Facebook Photo Albums

To share a Facebook photo album:

Log in to Facebook.
Go to Profile from the menu on the top of the main page.
Click Photos on the left column.
Click the album you want to share, e.g. “Family Photos.”
Look for the “Public link” on the page.
Click the link or select and copy the Web address.

You are now ready to share your Facebook photo album with your non-Facebook contacts. You can send the public Web address via email, post it in instant messaging chat or whatever way you prefer.

Photo Album Tips

You can share your Facebook profile pictures this way too. All the photos you have ever used as a profile picture are stored in the Profile Pictures Album which you can access from the Photos section.

A word of warning however: the public link really is that – public. That means if anyone else gets hold of the link you just shared, they will be able to see the complete album on Facebook without restrictions. If you are uncomfortable with this idea, it might be better for you to send the pictures to your contacts directly via email or chat. If you use Windows 7, you can simply select the pictures from Explorer and click the Email button to send via your default mail client. Or you can upload the pictures to an online file-sharing site and add password-protection to it if possible.

Another point to remember is that sharing your photo albums does not change its privacy setting. If you decide to share, say, an album entitled “My Cousin’s Hawaii Wedding Photos” with friends who are restricted from seeing it in the first place, they won’t see anything.

As always, be careful with what you share on and off Facebook. Once you transmit files to, or share links with, other people’s computers, you cannot control who else can see them. If you change your mind later and decide you want to stop sharing your photos, you can delete specific photos or entire albums you have uploaded on Facebook.

Tips on Repaying Your Debts

Repaying all of your debts is truly harder than acquiring one. In repaying, you have to consider a lot of factors such as whom to pay off first, how much will you be paying, or how are you going to divide your monthly earnings to pay off all of your debts. For you to be able to avoid troubles in the future, you need to start coming up with a plan on how to repay even before you are granted the loan or given the money. By doing so, you are already assessing whether or not the loan is worth the sacrifices or if you are still capable of borrowing money as of the moment. If you need help with debt repayment, then you have come to the right article. Below are some basic and proven tips on how you can go about repaying all of your debts.

Put all of your debts in a list

Before you can begin planning on how you can repayt, it is of importance that you know exactly how much you owe and to whom. By putting them in a single list, you ensure that you don’t miss out on even the small ones. Most of the time people will only think about those huge debts, and neglecting the smaller ones. This shouldn’t be the case because those smaller ones can easily grow into a bigger if you continue to set aside and not make it as part of your priorities.

Organize all of your debts

The best way to organize your it is by arranging them from the one with the highest interest rate first. Interest rates are one of the main factors why a rather small debt can grow into unmanageable proportions. So it is important that you make it one as of your priorities so you can get rid of them more quickly.

Organize a manner of repaying your debts

There are two approaches on how you would go about paying off your debts. You can either start paying those huge amounts all the way to the smallest amounts or the other way around. There is no wrong or right manner of repaying because at the end of the day, it is still your judgement on what would be best for your situation. The advantage of starting with the highest amount is that by the time you eliminate them, paying off the smaller ones will be a lot easier because you can just use the money that would have been used to pay off the bigger ones. On the other hand, if you go vice versa you can build momentum before you start eliminating those bigger debts.

The tips mentioned above are very basic tips that can help you get started with the process of repaying. It doesn;t really matter whatever style or approach you have, what is important is that you make it a point to repay them. Keep in mind that the more you ignore them, the more that they can grow faster to uncontrollable amounts.

The Best Chemical Peel Choices Available

People go to great lengths to stop nature from taking its course. To stop aging in its tracts, Glycolic chemical peel is emerging as a popular choice for many because of its natural base. Thousands of at home chemical peel treatments are performed each year because of visible results. Perennial problems of the skin like acne, irregular skin tone, white heads, black heads, pustules and a lot more are also given solution. Whatever skin problems you have you can rely on this procedure for greater chances of cell renewal, making your skin more firm and soft as that of a baby.

Glycolic acid is the main agent in this type of treatment. It is a mild, natural and safe to use under controlled circumstances, but rest assured it is highly effective. Glycolic acid is derived from fruits, so it is the best natural skin care agent you can have. It is a natural fruit acid commonly referred to as alpha hydroxyl acids used mainly to rejuvenate skin by shedding off dead skin surfaces leaving a much smoother and fine complexion.

There are different types of treatment procedure available today. All you need is to consult your doctor so you can choose what specific type of treatment is suitable for your skin condition. One would be a light peel, specifically targeting fine lines and wrinkles, acne, uneven pigmentation and some areas of dryness. Alphahydroxy acids or AHA’s are usually used for this type of treatment and is quite ideal for those who don’t want the inconvenience of a much deeper peel.

Second would be the medium type of peel. Trichloroacetic acid or TCA is the usual agent of choice for darker skin treatments and in this procedure. This would work well for conditions like pigmentation problems, superficial blemishes and fine surface wrinkles. Like light peels, medium peels are also less time consuming.

Lastly would be the deep peel treatment. This is much potent of all facial peels wherein phenol acid is the main ingredient and targets the most difficult skin conditions like pre cancerous growth, course facial wrinkles and the effects of sun exposure. Glycolic chemical peel does wonders to the skin but undergoing a deeper at home chemical peel with the use of phenol acid produces the most dramatic and lasting result. Of course, deeper peels require longer hours of treatment but you’ll find out that it is worth the wait.

The Grooms Wedding Grooming Tips

A wedding is considered a very important milestone of one’s life and all couples want to have the best wedding experience possible. While the bride is busy making sure that she will look beautiful and the bride hair perfectly done on the day of her awaited event, we should also not forget that there is also a groom who wants to look as dashing as possible. This grooming of the groom might actually entail months of preparation, starting from the groom’s hair, face, teeth, outfit and even his smile.

Skin care: The skin should look as perfectly radiant and glowing as possible on the day of the wedding. It is advisable to choose a facial product that suits the skin type. Facial products and creams come in many forms and many brands. You might want to consult a dermatologist or another expert in caring for the skin when selecting products. If your complexion is ruddy you will want to schedule a facial treatment to even out the texture of the skin. You should do this months or at least three weeks before the wedding day. It is also wise that if you are prone to acne, you take a medication or cream as prescribed by the dermatologist to prevent pimples from ruining your day. Soon-to-be-grooms can also try to get in hot water and let the face catch as much steam as possible. You can this by covering your face with the hot water under a big towel in order to prevent the steam from escaping out. This will open the pores for the dirt especially black heads to be removed easily. After applying a facial scrub in a circular gentle motion, wash the face with a very cold water to close again the pores. When you shave, use a clean and safe razor to prevent cuts and infecting the hair follicle that might cause ugly redness on the face.

Hair: It is said that hair is the crowning glory, not only for women but also for the men. The groom’s hair must perfectly suit his face. Going to a hair salon is a wise choice. Many hair experts know what hair style fit well with specific face structures. If you are not comfortable having a new hairdo, go for the style that you are already comfortable having with. Here is a very important tip for your groom hair cut: do this two to four weeks before the wedding day to allow time for the hair to take its natural shape and even the length. If you are prone to dandruff, treat this beforehand. You might not want white snow-flakes to appear on your tuxedo.