Applying for a debt consolidation loan is a good idea if you want to pay your debt faster and in a simpler way. It will also save you an important amount of money on fees and interest. There are three main possibilities to consolidate secured and unsecured debts: personal loan, home equity or going to a debt consolidation company. Each possibility has its advantages and disadvantages, and you will have to choose the option that will benefit your particular case the most.

However, whether you qualify or not for this kind of loan depends on several factors. There are a number of requirements that you have to meet, in order for your application to be successful. 

Here are five factors that will influence the decision of the creditor:

• Your income – It is very important for the creditor to know that you have a stable and constant income, consistent enough to allow you to make the necessary payments comfortably. Some creditors require a certain debt to income ratio. Your chances of getting the loan will be bigger if your monthly disposable income is of over 10% of your gross income.

• Your payment history – The creditor is interested in seeing how you have managed your previous debts, especially whether or not you have made your payments on time. A bad payment history might mean higher interest rates or even denial of application.

• Stability – In the eyes of a creditor, stability means living in the same place for at least two years. This shows that you are reliable and able to commit. If you own the place, your chances of securing debt consolidation loans are even brighter (

• Homeownership – Being a homeowner is not a must in securing a loan, but it will certainly make it easier to get approved. The security that your property offers to lenders will make them relax their terms a bit.

• Equity – Equity is not a must either, but, without it, you will only be able to consolidate a small amount. Creditors are not comfortable with lending considerable amounts of money without a collateral. So how much equity you should have? Here is an example, so that you can compare it to your particular case: $35,000 of equity in your property will allow you to consolidate $30,000 of debt with no problems.

Consult with a specialist and see which debt consolidation option suits you best!




Millions of people around the world are troubled by their wrinkles and they are currently using many types of anti-aging creams that are supposedly effective, but they're seeing no improvements at all. If you're one of these people and want to look younger without spending a lot of money on various creams and pills, what solution can you consider?

Using Phytoceramides To Look Younger

If you want to look younger, then one of the best ways to achieve that is by using phytoceramides that you can easily get from websites such So what is it that makes these special compared to other similar products on the market? Well, for one, they are free of chemicals and on top of that, are also going to help you smoothen your fine and also your medium to deep wrinkles as well. Keep in mind that these are also fortified with vitamins A, D, E and C and since they are made in the United States, you don't have to worry about them not being effective or causing side effects. 



Your Skin Needs Water

You certainly cannot have beautiful skin if you don't drink plenty of water on a daily basis. In fact, the average person should drink about two liters of water a day, but if you're doing heavy and intensive physical activities, then you'll need to drink at least three liters of water a day. 

Exfoliate And Moisturize Your Skin

No matter how much care you take of your skin, it's also important that you exfoliate it from time to time. When you exfoliate, you basically get rid of the old skin cells and let the new layers of skin surface. One thing to bear in mind is that after you have exfoliated your skin, you should immediately apply the moisturizer of your choice. This is going to improve the skin's look, but also make it smoother and plumper. 

Wash Your Pillow Case Often

You may find it hard to believe, but did you know what your pillow case is actually one of the dirtiest things on your bed? That's right. The reason for that is because your hair products and also your hair sit on the pillow from a few days ago along with hair, bacteria and dead skin cells. To make sure you don't get pimples or other skin infections from your pillow case, you should consider washing it a few times a week.