Here are the four most wearable trends for the warm weather.
I found some cute and affordable alternatives to these trendy styles.
Backwards headband
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| http://pretty-hairstyles.com/wp-content/uploads/2014/10/2015-Hairstyles-From-Paris-Fashion-Week-3.jpg |
From: Valentino
The cool thing about this style is that it gives your old
headbands from middle school life again. Instead of wearing headbands to keep
your hair back, you can place your headband at the back of your head and wrap
your hair around it. Add some natural waves and you have a messy, beachy half
up/half down look in minutes. Experiment with different head bands...flowers,
seashells, rhinestones…etc!
What I found:
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| $4.90, Forever21.com |
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From: Dolce & Gobbana
Flowers, as seen on the lovely Kendall Jenner, are going to
be in this summer. H&M sells pretty faux flower clips to keep your hair off
your face or dress up your bun. Forever 21 sells a pretty and minimal flower
headband for those who are offset by big chunky flowers. If you’re really into
this trend, make like a runway model and put real flowers in your hair!
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| 2-Pack $3.95, H&M |
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| $3.90, Forever 21.com |
Gilded clips
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From: Celine
Simple barrettes and clips rocked the runways. The elegant
shape is not only unique but also a lot of fun. I was able to find different
shapes in silver and gold. Urban Outfitters has an awesome silver triangle clip
and a beautiful half circle gold clip. Keep your hair up and out of your face
with these neat hair clips.
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| $12, UrbanOutfitters.com |
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| 2 for $20 or $12 ea., UrbanOutfitters.com |
Scrunchies
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My fave!
Scrunchies are back with vengeance! Play with colors and
sizes! Pony tails or messy buns! Scrunchies are great for adding a little quirk
to your style. Check out this set of scrunchies from Forever 21.
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| $3.90 Forever21.com |
Smartphones have lifted us from the darkness and into the light. With our smartphone and a few handy (and FREE) apps, we can do almost anything from ordering food to shoes. Now there apps where we can order a car to come pick us up and drop us off—whenever and wherever. These car service apps are not just convenient and a lot of times cheaper to riders, but also opens up a whole new world of jobs for people with a license and a car.
Among a few of these companies that offer car service apps, two rivals have come out on top: Uber and Lyft. The two companies are similar in their own respects: they offer a free app, similar rates, and allow drivers to turn their car into money a money making machine.
There are a few drawbacks to having a total stranger come pick you up in their car, but always hold the same caution you would if you were to take a taxi, car service, or public transportation! The media has also shed some light on these companies and what they are about. I know I've seen some less favorable articles about Uber, however Uber and Lyft identify themselves as only an outlet for independent drivers to make money. Unfortunately they are not 100% accountable for driver’s or passenger’s behavior or what could potentially happen to the car, driver, or passenger. Also these services are not legal in certain states and countries, so be sure to check that out too!
In the following paragraphs, I want to talk about each company from a rider’s and driver’s perspective. Which one should you choose? Let this post be a guide!
Also both services offer great savings! Use the exclusive coupon codes I’ve provided at the end for which ever company you choose!
Uber
- Uber was founded in 2009 as a limousine service. It wasn't until Lyft started gaining major popularity that Uber decided to bring in amateur drivers.
- Drivers must pay Uber from 20%-25% of their earnings and another 20% to the car's owner (if the driver opts out of using their car).
- Drivers do have to pay for gas, maintenance, and washes for their car. Uber kind of leaves you high and dry.
- However, a lot of drivers have made some pretty good money--even after paying for their car's expenses, but of course this all depends on location.
- There has been a lot of talk about Uber's drivers assaulting their passengers. Although Uber claims these are isolated cases (and you should still also be cautious even when using a taxi service) they are taking steps to decrease this in the future. Step one: If you hated your Uber driver, you can use your app to give them a bad rating, and a bad rating equals termination.
- Uber offers a service called uberPOOL, which is like carpooling...but with strangers. It sounds totally terrifying but does save you and your stranger friend $$$.
- If you want to be an Uber driver, but you’re still in the dark and haven’t yet gotten and smartphone, no worries! Uber has you covered and will send you one with the app preloaded.
- Same with a car, if you don’t have one you are not totally ineligible for becoming an Uber driver, you can borrow a company provided one. However a percentage will have to go to the owner of the car.
- Uber is also a lot more widely available throughout the world.
Lyft
- Lyft was only founded two years ago (such a baby!) and is based out of San Francisco, CA. Their most notable feature is their pink mustache logo. They offer a more relaxed vibe (you can totally tell by their website).
- Lyft offers limited insurance to their drivers, however it doesn't offer collision insurance. Insurance on your car will also very by your state and policy.
- Lyft will let you keep your tips!
- Lyft unfortunately won’t provide you with a smart phone or a car. The car you have must meet Lyft’s safety standards (found on their website).
- Lyft also has a requirement for drivers: they must fist-bump their passengers as they get into the car. Sounds kind of corny, but I feel like it would make my day.
- Customers also remarked that Lyft has pretty friendly drivers. However if you absolutely hate your experience, you can put it in your app and you will be guaranteed not to be matched with that driver again.
- People have remarked that Lyft is a lot cheaper than Uber. Experiences people have posted on Yelp and my own friends’ experiences.
- Lyft offers awesome new deals for first time customers like $10 off or a free first ride, depending on when you sign up.
- Again always, always, always be cautious when getting into any kind of car or taxi service!
From my research, I have found that Uber and Lyft are definitely a lot cheaper and convenient than taxis or public transportation. Their rates and fares are obviously based on how far you intend to travel and where you are located. I think both these companies are great ideas, however they are really new. New companies like these are heard to pinpoint when it comes to legal standards. The app industry is still pretty new, even though it feels like it’s been around forever. So once again, use caution not only as a passenger using these services, but a driver who wants to make money off of these services. Make your car more of an asset than an expense! And definitely always go for a cheaper transportation experience.
Uber coupon code:
Lyft coupon code:
Enjoy the ride! J
Sources: http://www.quora.com/Ride-Sharing-Company-Comparisons/Which-is-better-and-why-Lyft-Uber-SideCar
https://www.uber.com/about
https://www.lyft.com/
Images: http://cdn1.techbargains.us.com/icache/2014/03/22/13955164141257.jpeg
http://upload.wikimedia.org/wikipedia/commons/2/22/Lyft_Pink_Mustache.jpg
http://allthingsd.com/files/2013/08/uber-logo.jpg
http://www.columbusunderground.com/wp-content/uploads/2013/10/uber-columbus.jpg
Sources: http://www.quora.com/Ride-Sharing-Company-Comparisons/Which-is-better-and-why-Lyft-Uber-SideCar
https://www.uber.com/about
https://www.lyft.com/
Images: http://cdn1.techbargains.us.com/icache/2014/03/22/13955164141257.jpeg
http://upload.wikimedia.org/wikipedia/commons/2/22/Lyft_Pink_Mustache.jpg
http://allthingsd.com/files/2013/08/uber-logo.jpg
http://www.columbusunderground.com/wp-content/uploads/2013/10/uber-columbus.jpg
You're just hopping to get through the week without going crazy,
you're just over it and can't take it no more.
[Verse 1: Rihanna]
I think I've had enough, I might get a little drunk
I say what's on my mind, I might do a little time
Cause all of my kindness, is taken for weakness
[Hook: Rihanna]
Now I'm FourFiveSeconds from wildin'
And we got three more days 'til Friday
I'm just tryna make it back home by Monday, mornin'
I swear I wish somebody would tell me
Ooh thats all I want
I think I've had enough, I might get a little drunk
I say what's on my mind, I might do a little time
Cause all of my kindness, is taken for weakness
[Hook: Rihanna]
Now I'm FourFiveSeconds from wildin'
And we got three more days 'til Friday
I'm just tryna make it back home by Monday, mornin'
I swear I wish somebody would tell me
Ooh thats all I want
[Kanye West]
Woke up an optimist, sun was shining I'm positive
Then I heard you was talkin' trash
Hold me back I'm bout' to spaz
[Hook]
Now I'm FourFiveSeconds from wildin'
And we got three more days 'til Friday
I'm just tryna make it back home by Monday, mornin'
I swear I wish somebody would tell me
Ooh thats all I want
[Bridge]
And I know that you're up tonight
Thinkin' how could I be so selfish
But you called bout a thousand times wondering where I been
Now I know that your up tonight
Thinkin' how could I be so reckless
But I just can't apologize, I hope you can understand
[Kanye West]
If I go to jail tonight, promise you'll pay my bail
See they want to buy my pride, but that just ain't up for sale
See all of my kindness, is taken for weakness
[Hook]
Now I'm FourFiveSeconds from wildin'
And we got three more days 'til Friday
I'm just tryna make it back home by Monday, mornin'
I swear I wish somebody would tell me
Ooh thats all I want
Now I'm FourFiveSeconds from wildin'
And we got three more days 'til Friday
I'm just tryna make it back home by Monday, mornin'
I swear I wish somebody would tell me
Ooh thats all I want
Woke up an optimist, sun was shining I'm positive
Then I heard you was talkin' trash
Hold me back I'm bout' to spaz
[Hook]
Now I'm FourFiveSeconds from wildin'
And we got three more days 'til Friday
I'm just tryna make it back home by Monday, mornin'
I swear I wish somebody would tell me
Ooh thats all I want
[Bridge]
And I know that you're up tonight
Thinkin' how could I be so selfish
But you called bout a thousand times wondering where I been
Now I know that your up tonight
Thinkin' how could I be so reckless
But I just can't apologize, I hope you can understand
[Kanye West]
If I go to jail tonight, promise you'll pay my bail
See they want to buy my pride, but that just ain't up for sale
See all of my kindness, is taken for weakness
[Hook]
Now I'm FourFiveSeconds from wildin'
And we got three more days 'til Friday
I'm just tryna make it back home by Monday, mornin'
I swear I wish somebody would tell me
Ooh thats all I want
Now I'm FourFiveSeconds from wildin'
And we got three more days 'til Friday
I'm just tryna make it back home by Monday, mornin'
I swear I wish somebody would tell me
Ooh thats all I want
Bianca
Even though it's still winter, lets warm things up with a 3 part Spring Love Outfit Of The Day Post. Spring is around the corner and I love my bright colors, skirts and heels. It's the best part of the weather getting warmer.
What is your favorite part of the weather getting warmer?
With it being winter, everyone is always complaining that its too cold. And I do not blame anyone for right now I am going through some major blogger issues because I find it very hard to shoot what I want to shoot for my Out Of The Day Posts. I want to be able to shoot outside but I am limited in what I can do because of the fact that it is so cold.
I just want it to be Spring Already!
I hope you guys enjoy this three part blog post!
Make up @cakefacecammy
Hair @hairanointing
Photographer @andrewfennell
Outfit
Skirt from KasNewYork.com sold at Revolve Clothing
Top from Macys.com
Shoes from Payless.com
However, since this experience was so terrible for me, and panicked so much. I really thought I may have to file for bankruptcy. Bankruptcy is everyone's last death wish, because granted it takes away all of the debt that you can't pay off. when you really think about what it's doing to your like damn do I really needed to do this.
So I had to sit and think what could be done being a freelance model and the fact that I just got fired from my part time job as a server what was I gonna do. The debt collectors are not going to stop calling me something needs to be done.
After thinking and remembering reading this book that I read called America's Cheapest Family Which talked about this company that helps you get out of debt. Money management International, I admit I was a little worrisome about it. I thought that it couldn't hurt though. What a debt management program is, is a debt consolidation program. Which I believe is after thinking about it is better than filing for bankruptcy.
I decided to write a blog about bankruptcy VS. Debt consolidation, because this experience taught me to just learn and think before you do and to manage your money granted I should preach to the choir but this is still something that's on my mind.
I want to get out debt and this is gonna be my year to do so.
The consequences of not having good credit and being in debt are:
- High interest rates on your credit cards and loans
- Credit and loan applications may not be approved
- Difficulty getting approved for an apartment
- Security deposits on utilities
- You can't get a cell phone contract
- You might get denied for employment
- Higher insurance premiums
- Calls from debt collectors
- Difficulty purchasing a car
Figuring out the best option to get out of debt is probably the best way to go, so after doing some research her's some information that maybe of use to you from
No one ever wants to make the wrong decision make the one by learning your options.
Debt Consolidation
Proponents of debt consolidation often promote this strategy as a simple way to save money and protect your credit rating. When you consolidate your debts, you reorganize multiple debt payments into one payment. You can choose to consolidate debt through a secured loan or an unsecured loan. (To learn more about the types of debt consolidation, visit Nolo’s Debt Consolidation topic area.)
Pros of Debt Consolidation
Here are some of the advantages of using debt consolidation to better manage your debt.
Protect your reputation and credit rating. Unlike bankruptcy, debt consolidation is not a matter of public record. Anyone who looks hard enough will find out about your bankruptcy. Bankruptcy records are viewable through an electronic subscription service called PACER or at any federal bankruptcy courthouse. Although a debt consolidation loan may show up on your credit report, it does not typically lower a credit score like a bankruptcy filing does.
Maintain your access to credit. Unless prohibited by the debt consolidation agreement, you can keep your credit cards. This may be helpful should an emergency arise. However, if you already owe a significant amount of money or are in default, you may not be able to use your credit cards or be approved for additional credit. Also, continued credit card use may defeat the purpose of debt consolidation.
Simplify your debt management. When you consolidate your debt, you no longer have to keep up with multiple payments, at different interest rates, to various creditors. Instead, you make one convenient payment.
Lower interest rate and monthly payment. If you consolidate your debts, you may be able to obtain a more manageable monthly payment, with a lower interest rate. As a result, you will have more cash available each month to meet your high priority needs.
Cons of Debt Consolidation
Although there are some advantages to debt consolidation, it’s not an option to take lightly. You could end up costing you money in hidden fees and tax liability. And more important – you could lose property.
You could lose your property. If you use property such as your home or vehicle as collateral for the debt consolidation loan, you could lose that property if you default on the loan payments.
Also, if a lender gives you a debt consolidation loan, there may be a cross-collateralization clause that allows that lender to take other property it has financed if you default on the debt consolidation loan. For example, let’s say that you have a car loan through your credit union and then the credit union gives you a debt consolidation loan. Under the cross-collateralization clause, if you default on the debt consolidation loan, the credit union could repossess your car – even if the car payments are current. (Learn more about cross-collateralization.)
Beware of hidden costs. Although lower interest rates and monthly payments are appealing, a debt consolidation loan could end up costing you more money. Often, debt consolidation loans help you achieve a lower monthly payment and interest rate in exchange for extending the repayment period. If you stay in debt longer, you may end up paying more over the long term.
Negative tax consequences. Depending on your financial condition, any money you save from debt relief services such as debt consolidation may be considered income by the IRS, which means you pay taxes on it. Credit card companies and other creditors may report settled debt to the IRS, which the IRS considers income.
Bankruptcy
Through bankruptcy, you may eliminate or restructure certain debts while under the protection of the federal bankruptcy court. The most common types of bankruptcy cases that individuals and small businesses file are Chapter 7 and Chapter 13. A Chapter 7 bankruptcy case allows you to eliminate many types of debt. A Chapter 13 bankruptcy case allows you to restructure your debts through a supervised repayment plan. (To learn more about the differences between these types of bankruptcy, see our Bankruptcy topic area.)
Pros of Filing for Bankruptcy
Here are some of the advantages of using bankruptcy to deal with your debt problem.
Protection from creditors. When you file for bankruptcy, you get the protection of the automatic stay. The automatic stay prohibits most creditors and collectors from engaging in collection activity against you. The automatic stay has the power to stop harassing phone calls, lawsuits, garnishments, repossessions, and foreclosures. (To learn more about the automatic stay, see our Bankruptcy’s Automatic Stay topic area.)
You get a fresh start. Through a Chapter 7 bankruptcy case, you may eliminate most unsecured debt such as medical bills and credit cards. You may also surrender real estate or vehicles that you have financed if you don’t want to keep those debts. (To learn more about which debts can be discharged, read Which Debts Are Discharged in Chapter 7 Bankruptcy?)
Through a Chapter 13 bankruptcy case, you repay a portion of your unsecured debts through the court-supervised repayment plan. And depending on your situation, you may be able to pay for your vehicle at a reduced rate. You can also save your home from foreclosure and vehicle from repossession.
Cons of Filing for Bankruptcy
Bankruptcy has its drawbacks as well. Here are a few:
Negative impact on credit rating. A bankruptcy filing lowers your credit score. Depending on the type of bankruptcy case you file, the filing may stay on your credit report for seven to ten years. However, if you already owe a significant amount of money, you may already have a poor credit rating, especially if you are in default. Once you receive your bankruptcy discharge, you will have a clean slate. Some creditors even actively solicit recent bankruptcy debtors because they know that there are time limits on filing for bankruptcy again.
You may have to make some sacrifices. You may have to make some sacrifices in order to qualify for bankruptcy, such as surrendering nonessential or luxury possessions. Also, if you file a Chapter 13 bankruptcy case, you will be on a strict budget for three to five years and you can’t obtain credit during that time without the court’s permission.
Privacy and reputation. Your employer may learn about your bankruptcy case if you permit it to pull your credit report, or if your Chapter 13 plan payments are made through payroll deductions. (To learn whether your employer can fire you because of your bankruptcy, see Post-Bankruptcy Discrimination: Is It Legal?)
Bankruptcy records are available at the federal bankruptcy courthouse where they are filed and through the federal court system’s subscription-only PACER service. However, as a practical matter, your family and friends are unlikely to find out you’ve filed bankruptcy unless you owe them money.
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