Author Archives: john

How Bankruptcy Got My Life Back Together

best bankruptcy attorney san diego

Most often, you hear about people losing all of their assets and having to file bankruptcy. It sounds like a pretty grim fate, having to forfeit any nonexempt properties, and one that doesn’t leave you many options moving forward. This is why a lot of people are terrified of declaring bankruptcy. They fear that once they do it they will be stuck in a financial rut for the rest of their lives. I was the same way, I was terrified that after a bankruptcy there was no way I’d ever have good credit. Ironically, filing for bankruptcy was the thing that finally allowed me to get my debt under control and build up my credit.

How I Did It

Made a Budget

The first thing I did after filing for bankruptcy was make a budget. If you have a regular income, I suggest you doing the same thing. Calculate all your expenses for the month; food, transportation, rent or mortgage, clothes, etc. List out all of your expenses and then prioritize. Obviously you cannot lower a lot of your bills, but you can eat out less, not go shopping for clothes as often, turn off the lights when you leave the house, and so forth. Having a budget will give you a good idea of where your money is going each month and, if you stick to it, can help you pay off debt and set money aside to save.

Making Payments on Time

A large portion of your credit, about ⅓, is based on your payment history. It is always important to make your payments on time, but especially after filing for bankruptcy. Since you cannot apply for new credit right away, this is the only way to build up your credit for a while. However, on the flip side, since payment history makes up a large portion of your credit score, it is possible to start rebuilding your credit pretty quickly and steadily just by making your monthly payments.

Save

Did you know 34% of Americans have nothing in their savings, and 35% have less than $1,000. I know putting aside money and not touching it can be hard, but it will pay off later down the road. Having a good savings ensures that when unforeseen situations arise, such as medical expenses or car repairs, you can pay upfront and not have to put anything on credit. That’s not to say you should never put anything on credit again, but you won’t be able to for a while, and even once you can, you should try to avoid putting big ticket items on credit for a while.

BLC Law Center

The real key to my success, post-bankruptcy, is BLC Law Center. They helped me from the very beginning and without them, I wouldn’t have even filed in the first place. I’d still be stuck in debt if I hadn’t found them. They were the ones who set me up for success by reorganizing my finances and working with the creditors that I owe. Now, I am able to make monthly payments and I don’t have to deal with their annoying calls.

In my opinion, BLC has the best bankruptcy attorney San Diego ever had. And with offices in San Diego, Los Angeles, and Vista, they can help you wherever you are. So, if you are ready to get control over your finances again, and finally get out of debt, it is time to try the BLC Law Center. For more info, visit https://www.blclawcenter.com

Scalp Massage for Thinning Hair and Hair Growth: Does it Work?

head massage for hair growth

What could be more relaxing than a soothing scalp massage? While there’s little doubt that a relaxing scalp massage has therapeutic benefits, some people are using this technique in hopes of stopping hair loss and promoting faster hair growth. Does scalp massage for hair growth really work?

How Is Scalp Massage for Hair Health Carried Out?

Massage oil is usually applied to moisturize and lubricate the scalp. The balls of the fingers are then used to knead the nape of the neck and the entire scalp for anywhere from five minutes to thirty minutes. The lucky recipient of the massage may experience a scalp tingling sensation along with a deep sense of relaxation during the process.

What Are the Benefits of Scalp Massage for Hair Health?

The massage oil used during the scalp massage helps to lubricate the scalp which may be beneficial for dry hair and scalp. In addition, the kneading motions used in the massage treatment can be quite relaxing because of the many nerve endings located in the scalp. It’s thought that massage may lower blood pressure and cause release of “feel good” hormones known as endorphins which help to elevate the mood.

Does Scalp Massage Help With Hair Growth?

Unfortunately, there’s no evidence that scalp massage works for treatment of thinning or slow growing hair. Although the kneading motions of the massage may stimulate blood flow to the scalp and help to nourish it, its effect on hair growth has never been proven. Because scalp massage helps to reduce stress, it could have some effect on the rate of hair growth by reducing levels of stress hormones such as cortisol. Stress and elevated cortisol levels have been associated with hair loss in some people. This probably holds true only for people who are stressed in the first place.

Other Causes of Thinning Hair?

If hair thinning or slow hair growth is a problem, other causes should be ruled out such as thyroid disease, diabetes, or a hormone imbalance. It’s not uncommon to experience thinning hair during menopause as hormone levels fluctuate. Even certain medications can cause thinning hair. If hair loss or hair thinning is a significant problem, blood work may be needed to rule out underlying medical problems. Hair loss can also be related to nutritional deficiencies and inadequate protein levels in the diet, as well as not consuming enough calories.

The bottom line? While scalp massage may be beneficial for stress reduction, it’s probably not the answer to thinning or slow growing hair.