We all know that finance companies use credit scores to determine the likelihood that you’ll pay back a loan or credit-card debt.
Noyes’ statement brings up an interesting point, namely that the fundamental aspects of Apple Pay weren’t concocted in Cupertino. Rather, Apple Pay was designed in accordance with an emerging token-based mobile payments standard which aims to increase security and reduce the incidence of fraud. To that end, Apple is getting into the mobile payments space at just the right time. So while Apple isn’t necessarily inventing the wheel here, Apple Pay again represents the first real implementation, on a massive scale no less, of the relatively fresh tokenization specification.
Nyakorema is a mother of 2 and a female engineer working at the Tanzania Bureau of Standards, with an interest in community development, particularly youth. Nyakorema decided to write this book after learning that secondary schools students are only taught how to answer questions in exams, but they are not taught how to handle and solve their own pressing issues in their community and became the change they would wish to see in their community and world. This book encourages teenagers to develop a sense of vision and achieve their dreams. It tells stories of other successful men and women who went through hardship but made it through and they are inspirational.
Observing Figure 2, a common feature is obvious: right before the start of the crisis, and mostly since the introduction of the euro, all peripheral economies experienced rising current account deficits, while the same period saw a large CA surplus in Germany. Even though Greece didn’t have a CA surplus for over 30 years, Portugal, Spain, Ireland and Italy all experienced CA surpluses at some point prior to the introduction of the euro, only to see them decrease rapidly from the beginning of the decade.
Obtain written permission from the person whose credit report you are seeking along with the person’s social security number. According to , while businesses can, individuals cannot get a credit report for another person without her written permission. In addition to written permission, the person must understand why you will obtain their credit information, as obtaining a credit score under false pretenses is against the law. You may want to have the person whose credit you want to obtain sign a statement stating that they understand your specific purpose for obtaining his credit information.
Obviously I acknowledge there are a lot of people who’s circumstances changed, they lost their jobs, became disabled or had something else happen that means they can no longer work. These people should of course be given debt relief and I believe strongly in higher taxes to fund social welfare. I also don’t think anyone should have to sleep on couches and work several jobs to pay off their debt even if they were silly enough to rack it up in the first place, because I think everybody has a right to a certain standard of living. What I do not believe in is people with decent jobs, who could make cut backs or even come to arrangement on individual payment plans with their own creditors without having to go through the costly agencies (I agree these are rip offs and I wouldn’t recommend using them when you can speak to your creditors yourself), simply deciding they don’t want to and don’t have to pay.
Like a great new haircut or a terrific skin care regimen, healthy, well-manicured nails are an integral part of a neat, pulled-together appearance – one that can work as an asset in both the social and the business world.
Unfortunately, experts say both men and women fall prey to myths and old wives’ tales about how to care for nails. Another pitfall: many of us rely on the guidance of salons, some of which may not be doling out the best advice — or treatments.
1. Don’t cut or manipulate cuticles. Whether you have your nails professionally groomed or do them yourself, the No. 1 recommendation is leave your cuticles alone, says Dana Stern, MD, a dermatologist at Mount Sinai Medical Center in New York City. “The cuticle is the natural barrier to fungus and bacteria — and once you breach that, protection is lost,” she says. This will not only make cuticles look worse — red, swollen, and ragged — but may also land you a nasty infection that harms the nail bed and leads to permanent nail damage. And while cutting cuticles holds the most potential for harm, pushing them back can cause problems as well.
2. Use nail hardeners sparingly — or not at all. “The take-home message here is that a lot of them do more damage than good,” says Stern. She reminds us that these products are not studied clinically, so most claims are not backed up by science. Unless nails are exceptionally weak and fragile, she says, most people don’t benefit from a nail hardener. Healthy nails are flexible nails, she says, so to keep yours from breaking, avoid anything that makes them more brittle.
3. Moisturize the nail bed and the cuticle. While there is little in the way of medical data showing that moisturizing the nail bed will help nails grow, it can make cuticles look better and help protect nails from breaking due to a lack of moisture. “If your nails are prone to breakage, it could mean they need moisture — and putting oil around the cuticle helps moisturize the entire nail, which will reduce the incidence of chipping, cracking, and splitting,” says Margaret Ravits, MD, a dermatologist at Hackensack University Medical Center in New Jersey.
4. Avoid acetone-based polish removers. “The one product that all dermatologists agree you should avoid if you have brittle nails is acetone nail polish remover. It has been documented time and again that it strips the nails, causing them to become brittle — which is something we found in our study as well,” says Stern.
5. Avoid rough emery boards. Those old-fashioned orange emery boards are too harsh for nails, causing small fissures and cracks that lead to breakage and tears, says Ravits. Instead, she says, file nails with a smooth, fine file and don’t saw back and forth. Instead, Ravits says, file in one direction only, and do it slowly and evenly to reduce risk of breakage.
6. Don’t overdo hand washing and limit contact with cleaning chemicals. As healthy as it can be to wash your hands frequently, overdo it and you’ll wreak havoc with your nails, says Stern. If you are in a profession where frequent hand washing is mandatory, she advises to use moisturizer as often as possible and rub a little extra around the cuticles several times a day. When doing housework or laundry, Jamal says, minimize contact with harsh chemicals, including dishwashing liquid, by wearing rubber gloves whenever possible.
Want professional-looking nails without spending a half day’s pay in the salon? With some practice and a little patience, you can enjoy a fancy French manicure any time you want for only the cost of your nail polish!
8 Step do-it-yourself French manicure
The perfect French manicure A pale pink base and bright white tips have come to characterize the ever-so-popular French manicure, which, believe it or not, is a common request at nail salons everywhere. Even in France, where it’s considered an American invention, this kind of mani is called “la French.” Too funny, huh?
Now (luckily) with all the new nail advances, it’s easy to score a salon-worthy mani right in the comfort of your own home. Pick up a French manicure kit at your local beauty supply store (for longer lasting color, try a gel nail one), or invest in some sheer pink and white polish to easily do it yourself. We’ve provided simple steps for everyone to follow.
Step one: Trim your nails Start by trimming your nails to the desired length. Make sure all of them are even. And remember: When it comes to the French manicure, the longer they are, the better.
Step two: Shape your nails Figure out the type of shape you’d like (either rounded or square). Then grab a nail file and get to work.
Step three: Soak your cuticles If you really want to recreate the spa experience at home, dip your hands in a bowl of warm water and let them soak for a minute or two. Then take a cuticle pusher (or orangewood stick) and gently push your cuticles back. Use the opposite end of the cuticle pusher to remove any dirt and grime from underneath your nails.
Step four: Buff and prep for polish Now, before you apply your first coat of polish, buff the top of your nails to prepare them for your nail polish. Then, simply massage cuticle oil onto your nails at this time.
Step five: Paint on your base coat You’re all ready for your base coat now. Paint on a thin layer of sheer pink polish, and let your nails dry for a couple of minutes. For gels nails, cure them under the LED light for 45 seconds only, no longer. Repeat this step again with a second coat of polish, and allow your nails to dry (or cure) before moving on.
Step six: Apply nail guides Once your mani’s base coat is all dry, place the nail guides on them to snag the perfect white tip pain-free. Don’t have any? That’s alright. The next step will just require some concentration on your part. Or, use those office supply doilies to perfect your French tip.
Step seven: Paint on your white French tips With your white polish, lightly brush color onto the tip of your nails (as if you were creating an upside down smiley or a sad face). Let the polish dry for a few minutes. For gel nails, let it cure for 45 seconds. Repeat this step with a second coat, and wait for it to dry or cure.
Step eight: Remove your nail guides and seal in your manicure Remove your nail guide, and apply a top coat of polish. Allow this coat to dry for several minutes (or cure it under the light for 45 seconds). Voila, you’ve just completed your very own French mani!
This procedure is best performed on a lazy morning or evening when no other pressing errands or tasks will get in the way. After painting your nails, avoid doing things with your hands while they dry.