With New Monthly Grooming Kits For Men, Birchbox Isn?t Just For The Ladies Anymore

birchbox-menBirchbox, the New York-based startup that racked up more than 100,000 subscribers for its monthly kits of beauty products, is now aiming for a certain well-styled gentleman. The company is launching Birchbox Man, which will deliver a box of grooming and lifestyle products for $20 per month to a customer's doorstep. It might include four to five picks per month with samples like high-end shave gel, deodorant and skincare products from brands like Billy Jealousy, Costume National, K?rastase and Kiehl?s. Then there are lifestyle products that might include headphones or socks. "It's not as obvious the we would go for men," said Katia Beauchamp, one of the company's co-founders. "When we launched Birchbox, we would have never guessed that this would be the next vertical."

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Visiting Information Technology Forum ... - News Sports Travel

Article by Lisa Collins

Few good online information technology forums are strategically visited by tech savvy professional PC users who take a more selective apporach. They have few important things in mind. They want to get access to only good and reliable tech help tips, computer-related articles. They want only interactive discussions that are sharp and serve their PC interest. They do not want to be misled by wrong tech help tips, and wrong information in any part of their computer-related knowhow. Confusion and misinformation is the last thing that they want while learning computer technology. As a result, they seek only the right source.

This right source also helps them seek only best professionals services. As the informtion technology forum which they visit gives only correct information, it makes tech help experts credible and true to their job. Taking advisory services from such skilled tech help experts is something which they count on. They get the best computer solution for their computer problem in this selectvie way.

Focused PC users also benefit in other ways. They do not have to undergo with the same information technology news multiple number of times. They save a lot of wastage of time and energy on unnecessary stuffs. This time can be better utilized focusing on just a good information technology forum. As a result, there is better utilization of time and effort.

This focused approach also saves them from wrong or mailicious information. Today, there are many malicious online agents who have everything other than your interest in mind. They may give you wrong computer solution and convince you to choose a wrong set of products and services.

Acting on the advise of a forum, you load a free software program available online.You thought that you were provided free. You have nothing to doubt at. At the end of the day, you lose all your data. By the night time, you receive an e-mail message as well as SMS on your phone that a particular computer service provider deals on data recovery exactly matching what has happened to your personal computer few hours back. Today, there are such stories where personal computer users have been cheated by various tricks. You perhaps would not like to be one of them. One thing that careful focused PC learner do now is to avoid visiting large number of sites in an unplanned way. They, instead choose to focus only on the selective reliable ones.

Such selective choice will also help you to benefit from shared learning. By zeroing-in only few good information technology forums, you will be in a better position to form a team of interested PC users visiting regularly for shared learning. This shared learning may benefit your performance in other ways. For instance, it may be a missing link between your computer knowhow and other PC users who are unable to cover some of their gaps in their computer knowhow. By sharing each other?s idea, it will connect the missing dots and remove the gap.

Shared learning leads to better use of human resources. By focusing only on few information technology forums, you get more out of computer technology and shared learning.

My vision is to build for you an interactive platform through my online computer forums where you get all your PC-related know-how in one place. Visit my free online computer forum and see how you can benefit from your own one comprehensive tech help resource for all your PC-related referencing.

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Marriage Counseling Orange County: What Is Marriage And Why ...

In this article I want to address some questions on what is marriage, why do we marry, and the role of extended families in marriage.

Firstly let me define marriage. For me marriage is about two people committing themselves totally to one another. And I'll add to this my personal opinion that this may refer to a man and a woman or two men or two women.

For me also this does not necessarily require a government or church ceremony, or approval, or even a document to authenticate that the couple are actually married. Of course for those who want to affirm their commitment to each other, and have others witness them doing that, is a way of including the whole of their family and community of friends into their commitment as well as into their marriage.

Marriage is a state of mind.

For me the essence of being married is more about a state of mind than about something defined by people on a church panel or state board. It is about a commitment to a relationship at the exclusion of all others. A relationship from which you get personal nourishment that makes your life worth living as you dedicate all that you have and all that you are to the wellbeing of this other person.

It is more than kinship, more than friendship and even more than a relationship. It is a spiritual connection with another human being that involves all of you every minute of the day whether you are together or not.

I have been in a relationship for more than twenty years and while my partner and I have not married, for me I am as married as I could be. I even refer to my partner as my husband as he refers to me as his wife. Not being married has in no way compromised our love for each other or our commitment to be with each other for as long as we are alive.

I'll also put another qualifier on this definition. That is that marriage also doesn't necessarily require the couple to live together. There are now as many ways to be in relationship with each other as there are couples who are finding that some arrangements work for them and others don't. What I'm referring to here are situations that sometimes have couples living separately from each other; sometimes across town, sometimes across countries. Sometimes these different arrangements are by personal choice and sometimes they are because of work or other commitments.

So why get married?

A challenging question! Again, I can only answer this from my own perspective. For me there is really only one reason to get married. Because my husband completes me! As an individual I believe I can achieve great things. As a couple I believe we can not just double that but multiply it many times over. This is for me truly a case of the possibilities of what we can achieve together being much greater than just the sum of the parts.

Beyond what I've already said is the simple fact that as human beings we are basically social animals who tend to be drawn together into groups rather than roaming the world alone. These groups can be as small as a family or as large as a city.

It is within these groups that we get cared for in ways that we might not otherwise. As a grandmother I gladly give of my time in the care of my children and grandchildren in a way that I might not otherwise give so readily but for the fact that they are my family and I also commit all of myself to their wellbeing.

It is in these extended families that we all can find a soft place to land when we are in need. So marriage is maybe something even more than simply a lifelong commitment to one other as it embraces our whole family and beyond.

For our family that extension embraces what I proudly call a "league of nations". For my partner and my children and their partners we collectively represent, within one generation, persons from Holland, Canada, Greece, China and, of course, Australia. I think for one small family that is pretty spectacular.

So until next time - Relate with Love

Lidy Seysener

About the Author

As a qualified Counselor, Lidy Seysener specializes in helping individuals and couples make the most of their lives and their relationships. She's been Counseling for more than twenty years and can also boast having been in an enduring relationship for as long.

For more information about me or what I do take a look at my newest website: http://www.acouplesjourney.com/ where you will find lots more information including quizzes and questionnaires. enter your details and you will get a free copy of my limited edition ebook titled 'Relationships - A Couples Journey'.

? 2010 Lidy Seysener - all rights reserved

Original article

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What Is a Special Finance Auto Loan? | AccountingA-Z.blogspot.com

Auto financing special.Maybe you may have seen the time period 'special finance auto loan' on-line whenever you were procuring around for automotive loans. In case you are not aware of the time period, what it means is that auto loans are available to folks with poor or dangerous credit. The latest statistics tell us that sixty % of all customers have lower than excellent credit. These customers are not typically allowed to borrow cash from conventional banks because banks check credit rankings and flatly refuse to loan folks with poor credit money. People with poor credit are thought-about to be 'special' circumstances, so therefore the time period special finance auto loan was contrived.

Special loans for auto finance are broadly out there today. Because the economic system has taken one other turn for the more severe, more and more people are struggling financially. Many individuals are falling behind on their bills and cannot repay their credit balances on time. This leads to the autumn of their credit rating, making it unattainable to purchase a new automotive, as conventional banks refuse to lend them money. Nonetheless, thanks to the special finance auto loan the typical shopper who's having cash troubles can drive the automotive of their desires, as many lenders have emerged over the past couple of years offering to lend cash to 'high-threat' individuals.

Whereas a special finance auto loan may be handy, it does has its pitfalls. The rates of interest for this kind of auto loan can vary wherever from 5 to 26% which is sort of high and higher than what is charged by conventional banks. One other negative facet associated with the typical special finance auto loan is the fact that the down payment required for this kind of loan can vary from 20 to 50%, which can also be high.

One other thing that happens with the typical special finance auto loan is the very fact some automotive dealers will inflate the costs of the vehicles they provide underneath this kind of financing. This type of dishonest seller will take a automotive worth $5000 and jack the value of it as much as $10,000. The seller will then require a down payment of 20% and finance the stability at 25%. The unfortunate purchaser (who is commonly fairly desperate) will then be tied into a contract with a very high interest rate on a automotive that's solely worth half of what they paid. Plus, quite often this purchaser will default on the loan which can ruin their credit even more. If the buyer is ready to make the payments on the special finance auto loan they are going to have paid double the amount of what they would have needed to pay for the same automotive purchased from an trustworthy seller at a good price.

For the buyer with very poor credit, a special finance auto loan can seem to be a God-send. A person will be capable of borrow the cash they should purchase a car. Nonetheless, they will be paying a high rate of interest and will also need to pay a big down payment. The lenders offering this kind of loan are making an entire lot of money, lending cash to folks with poor and poor credit, and so they seem to be showing out of nowhere as more and more websites are being added to the Internet daily.

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Simple Methods to Decide if Hiring An Attorney to Repair a Low Credit

You might have heard that bad credit rating recovery isn?t feasible and even is unlawful. Bad credit report repair is realistic, and when you retain a law practice which focuses on credit score repair, it is likely to get carried out legally. Whenever you choose a business which is not a law office, then there is a chance they may very well be participating in something that?s either ineffective or illegal. The only solution to be sure that all the credit repair help and advice you are getting is legal, correct, and not to mention, results-oriented, would be to use a law office or possibly a credit repair business which is in first-rate standing in the BBB. Not every lawyer specializes in negative credit report restoration. Those who do, usually charge a set fee just for the initial consultation, and also a month to month charge in the event that you retain them. A number of attorneys will offer to refund overpayment in cases where they aren?t able to erase a significant degree of unwanted credit report info.

There are businesses that charge an individual for credit restoration information which you can generally obtain entirely on your own for nothing. The information typically will involve where to receive your current credit report, how to write a dispute letter, and some other various types of bad credit?repair tips. These services and the ones that maintain that they will take care of bad credit rating repair within four weeks ought to be avoided.

Whether it is referred to as ?a problem?, ?not up to standard? or perhaps just ?horrific credit?, anyone having a credit rating that?s lower than 650 can be helped by increasing their credit ranking. Why is this? Merely because creditors impose excessive rates of interest to individuals that possess what are referred to as ?sub-prime? FICO scores. And as a result, bad credit report repair can be a lucrative option.

Not much can be done in the event you are presently past due in charge card or loan payments to the lenders. Even when you might be needing debt management or credit counseling, you will likely not be in need of credit repair info unless you eliminate these issues. Credit counseling, though beneficial whenever you?re in too deep, isn?t identical to bad credit report repair. Even in the event you may already have had an individual bankruptcy, poor credit score repair could be of great benefit.

It is quite possible to?learn how to fix bad credit?without help, though it may be time intensive, frustrating and simply ineffective. Chances are you?ll also be unaware of the things you can do unless you contact an attorney which is experienced in bad credit score repair. The credit repair material provided by government and credit agencies will only discuss some of your options, such as how to report discrepancies. Sometimes, accounts will not be removed on time, though the credit bureau states that it?s not correct. For those who don?t have the money to sign up with a legal office, you can start repairing your credit report through the process of writing a dispute letter that disputes any and all inaccurate accounts that are provided inside the report and then submitting it to the appropriate credit bureau who?ll have one month to reply.

Attempt to leave your feelings out of the letters and make your submission in uncomplicated terms. You may possibly need to craft a follow-up message, in the event that the consumer credit agency did not reply within four weeks. This type of correspondence also has to be unemotional and simply state that you have waited an adequate amount of time (four to six weeks) therefore you would like all of the errors cleared immediately in addition to an updated copy of the report mailed to you. Whenever you come across a business offering something identified as a credit repair kit, check into the specific contents before you decide to buy. The earlier credit repair content (pertaining to letters, etc.) is what they are probably selling.

So long as you are able to create good overall results, you are a step closer to fixing your credit score. Generally, if the credit bureau fails to respond to your follow-up message, then your only approach that is still available will be get in touch with an attorney.

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~ FEATURED FAMILY ~ | Christian Adoption Services Unplanned ...

This ALL American couple has experienced life to the fullest.? Educated, well traveled and with with a love story that is so touching? their greatest dream is to have a child with whom they can share their life and love.? We are very excited to share more about them. Meet?

WILSON and MEGAN

Wilson is an Officer in the Marine Corp and has also received his MBA. Megan is a Kindergarten Teacher. They are a striking couple, yet so down to earth when you meet them.

Wilson was raised in Connecticut and Megan in Colorado.? They met while attending college in Florida.? After graduation, they went their separate ways and accomplished things independently.? A little while later, they reconnected and have now been happily married for 14 years.? Both of their upbringings were with loving families that encouraged them to be active and try new things.? Those experiences helped them to become independent and well rounded.?? They are still very close with their families and enjoy regular family time with them.

Skiing is just one of the many activities they enjoy together.

Wilson and Megan love adventure!? They also like to go hiking, fishing and bike riding. On any nice and sunny day, you may find them on their boat, Condition One ? snorkeling, swimming or whale watching.? Wilson was raised near the ocean and they now live very close to the beautiful Pacific.? Close by are playgrounds, a pool, walking paths and a State Park.

Here they are - with their friendly dogs. Poseidon is a black Lab and they also adopted their cute Cockapoo, named Sadie.

They have traveled extensively and wish to share so many of their amazing experiences with their child.

Megan and Wilson are a loving couple who truly enjoy their time together.? They have a beautiful home that is full of love and fun and warmth.? They have so much to offer their child ~ stability, security, education, fun and adventure.? Most importantly, they have a deep love and respect for one another and so much more love to give.

If you have any questions or would like to learn more about Wilson and Megan, please call us at any time. 877-357-1177???? We look forward to sharing more about this amazing couple.

A note from Wilson and Megan~

Our dream is to have a family and to be parents.? Thank you for reading our story of love and hope and considering us to be the adoptive parents for your baby.? Choosing parents who will give your child a loving family and home, will be a very difficult decision.? There are many stories about love, sacrifices and happiness.? Our story is about all of these, but most importantly, it involves you.? You have this amazing ability to bring the ultimate joy to our lives.? We hope that after reading about us, your prayers and our prayers will be answered.

With Love and Prayers,

Wilson and Megan

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Detroit and Michigan come to terms on bailout, averting bankruptcy

After weeks of protest, Detroit's city council agrees to a deal that directs budgetary matters to an outside advisory board, but avoids the sweeping state takeover that many residents opposed.

Nearly bankrupt Detroit has taken the first step down what is likely to be a long road to solvency, agreeing to strict state oversight but averting a full-blown takeover of its finances. But Michigan has promised no bailout money, and Detroit will be subjected to more stringent review than is customary for floundering cities, as it grapples with how to meet $12 billion in pension and benefit obligations and how to close a $200 million budget deficit.

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In a vote late Wednesday, the Detroit city council approved, 5 to 4, a consent agreement with the state that permits tough, outside fiscal oversight from an advisory board.?If the council had failed to act, Michigan Gov. Rick Snyder (R) could have appointed an emergency manager, which would have stripped both the mayor and the city council of control of all financial matters.

Compared with similar agreements between state authorities and cities that faced bankruptcy, such as Philadelphia, New York City, and Washington, the deal worked out between Michigan and Detroit gives greater authority to the state should city officials fail to execute changes or fail to meet budgetary deadlines. For example, should Detroit violate certain parts of the agreement, powers of both its executive and legislative branches could shift to the newly appointed chief financial officer and chief operating officer, and the state could withhold state aid or appoint an emergency manager.

Detroit?s agreement is more stringent than those in other financially strapped cities ?given the history of corruption and mismanagement that has been very well documented at this point? in Detroit, says Eric Scorsone, a professor of economics at Michigan State University in East Lansing.

However, Mr. Scorsone says the consent agreement fails to specify how to ease the city?s long-term cost burdens, such as its retirement obligations. Also problematic: The agreement does not define the criteria for success in renegotiating union contracts of public employees.

?There are a lot of pitfalls here," he adds. "The state was trying to be creative and compromise, but in a way, it made life a little more difficult potentially."

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US Mint sees uneven gold and silver coin sales as prices fluctuate ...

The 3 Best Commodities To Invest In

That gives oil a potential upside of almost 40% before it runs into resistance at the peak. Gold The opinions on gold range from one extreme to the other, but Barclays found more bulls than bears in its investment survey. Once gold notched its all-time ?
See all stories on this topic ?

Stay Contrarian to Make Money: Pros

Stock markets rise and fall, but investors with a long-term view will make money, real estate investor Tom Barrack of Colony Capital told CNBC Wednesday. Calling himself a "slow money guy," Barrack said the key is to "go back to controlling those ?
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Where and When to Place Your Gold Investment Bets? :: The Market ?

The money-market account would again gain 20%, but the value of silver would reach $39302, for a total return of 263.9%. [We caution against investing more money in silver than gold; the metal is much more volatile, and has large industrial ?
The Market Oracle

Why Must You Invest In Silver And Not Gold? | Providence Insurance ?

The top economies with the world separated the gold and silver price index from the value of the paper currency a extended time ago. The paper currency is a ?
www.pg-ins.com/why-must-you-invest-in-silver-and-not-gold

US Mint sees uneven gold and silver coin sales as prices fluctuate

"But demand for gold and silver remains strong worldwide. Long term, you will still see gold and silver prices rise." The gyrations in the underlying price for gold and silver have created opportunities as well as challenges for investors in gold and ?
See all stories on this topic ?

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EPA: Water quality OK at 20 more Dimock wells

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