What Is Zombie Debt — and How Should You Address It?

  Part of the appeal of zombie movies is they’re downright startling. Even though we know to expect hordes of the undead popping up on screen at any time, it’s still surprising and even a bit frightening. But this thrill keeps us on the edge of our seats waiting for the next thrill.   Unfortunately, zombie debt isn’t quite as entertaining. In fact, it can be downright terrifying when debt from the past comes back to haunt you. Here’s more on what zombie debt is in the first place and how you should address it if it creeps back into your life.   So, What Is Zombie Debt? You won’t find zombie debt on your credit report, which is why it can be so confusing if a collector calls soliciting payment on a debt from years ago. Essentially, zombie debt originates so far in the past that it’s already dropped off your credit report and exceeded the legal statute of limitations for collections. And yet agencies may still try to collect on these debts, often using tactics that range from obnoxious to downright devious.   According to NerdWallet, here are some common sources of zombie debt you may not expect: .....

8 Ways That You Can Fight off Wrinkles

  Wrinkles are a natural part of ageing, but you definitely don’t want them to start showing up early. You’d like to keep them off of your face for as long as possible. To keep your skin smooth and supple, check out these eight ways to fight off wrinkles.   1. Wear Sunscreen That bronze tan comes with a price. Frequent sun exposure speeds up your skin’s ageing process, leading to fine lines, wrinkles and liver spots. So, you should slather on the sunscreen every single day. Yes, even in the middle of winter.   2. Vitamin C When you’re looking for skin products, you should always check the ingredient list for Vitamin C because it will help you achieve smooth, healthy-looking skin. It boosts collagen production, reduces cell damage, enhances moisture and repairs surface damage. Other than stocking up on lotions and creams, you can get more Vitamin C in your diet with these foods: Citrus fruits Strawberries Broccoli Kale Spinach 3. Laser Genesis As you get older, your body generates less collagen naturally. An effective way to stimulate collagen growth is to go to a cosmetic and advanced laser clinic like NewDermaMed and get Laser Genesis. During the .....

The Essentials of Planning a Beautiful Winter Wedding

Everyone has their favourite season, and though most people prefer to get married in the summer, there are a number of advantages to getting married in the winter. For one, it’s often cheaper – venues and caterers often offer discounted prices for winter weddings. But there’s also the aesthetic involved that a number of people are drawn to. The pure, white snow and idea of cozying up by the fire is often associated with romance. Winter weddings also tend to be more elegant and formal, which is perfect for a couple who wants to go all-out. Are you drawn to the idea of planning your very own winter event? If so, here are some essentials you should consider. Hearty Comfort Foods One of the advantages of hosting your wedding in winter is that you can offer your guests delicious comfort foods that are rich and savoury without guilt. Hire an expert wedding caterer to design a menu that will warm your guests’ bellies with favourites like smoked squash soup, sous vide prime beef, truffle gnudi, and sweets like dark chocolate cake or sticky toffee pudding. Ask your catering company to add a sweets bar that offers hot cocoa with marshmallows .....

Why Your HVAC System Needs Preventative Maintenance

  The HVAC system in your home has an important function: it has to keep you and your family comfortable. To accomplish that goal, it relies on various functions and components that work to cool or warm your home. When these things are working the way they should, your house is kept at the optimum temperature. If there are issues, then you may feel too hot or too cold.   When your HVAC system is working properly, you don’t give it a second thought. If something should go wrong, then all you can think about is the HVAC system and what you need to get it repaired. Most people prefer to spend their days thinking about anything but their HVAC. Thus, having preventative maintenance done is in your best interest.   In addition to allowing you to focus on other things, there are other reasons why your HVAC system needs preventative maintenance. These are listed below.   Improves Performance   Your HVAC system was created to last for a long time, but eventually, it will break down. There are a lot of moving parts in this appliance, and the more friction they create, the faster they wear out. If you .....

Paying Student Loans? Here’s What You Need to Know

One of the biggest questions students have after graduation is how to pay off student loan debts. It is a dark cloud that can hover over you when you are supposed to be celebrating a huge milestone in your life, but it does not mean that you will not see brighter days. Finding ways to pay off student loan debt is easier than it sounds, you just need to keep an open mind and know all of the available options. If you are a recent graduate, have student loan debt, and need help figuring out how to pay it off, the advice here is perfect for you. What Kind of Loan Do You Have?   It is helpful to know what kind of loan you have used to pay for your education before you start paying it back. Subsidized and unsubsidized loans are two different loans with differing interest rates. Subsidized loan is reserved for financial aid qualifying students and the interest is covered by the government, and unsubsidized usually requires you to pay all of the interest rate as it is available to all other students not on financial aid. Make sure you know which one you are or .....