Don’t Be Over The Hill, Be On Top Of It

By Sarah McCormack

When they are young everyone believes that life ends at 40…that is until your 39th Birthday and 40 starts to look very imminent! Men are entering their prime, looking distinguished, improving with age so why are we expected to believe that at 40 we are over the hill?

Well, here’s the secret, we’re not!

We’re just getting into our stride, the confusion and stress of our 20’s and 30’s are gone and it’s time to start thinking about yourself again! Half the battle is believing in yourself and seeing yourself as you want the rest of the world to see you. Unfortunately the other half isn’t quite so easy…actually looking how you want to look.

It doesn’t seem fair somehow that celebrities get to be nipped, tucked and stretched, not to mention having every undesirable inch sucked out, while we worry about children, bills and mortgages.

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It’s these airbrushed versions of perfection we must compete with every time we leave the house. Somehow these digitally altered images always seem to be everywhere the day you’re not wearing makeup, didn’t coordinate your outfit and couldn’t even find your brush! These are the days were you have to take a deep breath, look to the heavens and remind yourself it’s all fake.

Now you’ve done that, get proactive!!! Stand up, look the world in the eye and say you aren’t half the woman you were at 20, you’re much more! Don’t forget you aren’t alone. There are other women going through exactly the same thing and there are people out there whose whole job is to make you look and feel like a million dollars.

Don’t be fooled, you don’t need to spend a fortune and plastic surgery is just not necessary. Image consultants, hairdressers, nutritionists – they are all there to help.

If you’re feeling low and need a boost, why not book a hair appointment or an image consultant appointment? These will all help you look good on the outside, allowing you to feel good on the inside. Next time you go to get your hair cut, don’t go with ‘the usual’, ask a professionals opinion and run with it! And do something out of the ordinary; an image consultant can help you buy clothes in styles and colours that flatter your figure and colouring.

As for makeup there are a few options. Get the image consultant to help you to figure out the colours that will suit you or head to your nearest department store and get a free makeup counter makeover! Admittedly the makeup counter lady (or 16 year old girl as is the tendency now!) may not be the most impartial jury as she will unashamedly plug her company’s own products but still, the ideas are there and that’s all you need! Once you have figured out what looks good, hit the shops!

This time there is no popping into a shop because the children need something or you forgot something on the weekly shop, it’s all about you! Take a friend if you want some help, or a personal shopper if you want to make it all about you! Stop for a snack involving chocolate or doughnuts or something equally forbidden. Feeling beautiful is about spending some time and effort on yourself, and not letting your own needs be drowned out by the chorus of ‘I need…’, ‘I want…’ and ‘Can you just…’ that you hear every day.

What’s important not to forget though, is there is only so much anyone else can do. Maybe the first step on everyone’s self improvement ladder should be looking in the mirror and reminding themselves that are beautiful, that the improvement is for you, not the rest of the world. The odd wrinkle and grey hair don’t make you less beautiful, they make you more beautiful.

As a final thought think of one of the best paid celebrity make-up artists in history, Kevyn Aucoin, whose skilled hands worked on the most beautiful of women, like Audrey Hepburn, Isabella Rossellini, Gwyneth Paltrow, Cindy Crawford, Barbra Streisand and Kate Moss. This man knew beauty at its most intimate and his most remembered quote is ‘Perfection is boring. If a face doesn’t have mistakes, it’s nothing’.

About the Author: Sarah McCormack works for The Image Consultants, a UK company dedicated to helping business and individuals improve their style, appearance and presentation. Visit

The Image Consultants

to find out how they can you make a good impression.

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Improve Your Credit Score In 24 Hours Is It Possible?

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By Tim H Lambert

Most of us are asking how long it takes to improve our credit score. Will it be years, months, weeks or days? Is it possible to improve your credit score in 24 hours? The answer to that question is yes, it is possible to improve in overnight.

To start the improvement process, you should know your credit score. Aside from that, get a copy of your credit report for the three credit bureaus. It is very important that you have those two. The three credit bureaus are the Experian, Equifax and TransUnion. You can get your score in TransUnion for free over the phone while the other two will charge a small amount if you know your score through phone or Internet. Credit report should come with a confirmation number. This is necessary for you to follow up your items in the credit report via phone or online. Now that you have both the credit score, you should look into the middle score of the three especially if you are applying for a home loan and work on it. For example, your score for TransUnion is 595, Equifax is 623 and Experian is 636, the lender will pull all yours score and then chooses the middle one which is 623 in our example. So you should work to improve the Equifax and improve your credit report there. Remember, items in your credit report directly influence your credit score.

So what will be the plan to improve your credit card in 24 hours? It is very simple, dispute with you being persistent. Disputing is the right given to the borrowers based on the Fair Credit Reporting Act. Disputing is necessary to eliminate or remove any inaccurate items in your credit report that have negative effects in your score. Disputing inaccurate item get be a do it yourself work or you can hire credit repair consultants; however, you have to pay them at least $700 to repair your credit report.

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Disputing derogatory items is necessary when you have items, meaning these items on the credit report are erroneous and you don’t actually deserve it. For example, there is an open collection amounting to $90, but you have paid in 2 years ago. You can dispute this item with the credit bureau and the law states that the creditor should investigate it and give a report after 30 days. If your claim is correct, they will tell the bureaus and delete it from your report. It would be great if you show proof of your payments to help the investigation fast. Sometimes, there are creditors that will just delete the item without any responding to the bureaus. Each item that gets deleted will give you an increase of 20 – 25 points in your score. Another way to increase your score is to ask the creditor that do they delete items once you pay it. If they delete then you can have a 20+ points increase after you have pay your debts or any collections!

The most powerful way to improve your credit score in 24 hours is to constantly dispute derogatory items until they get weary of you and they delete that item!

About the Author: Improve your credit score now, go to

CreditScoreBooster.com

. Let the experts show you how to

raise your credit scores

.

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