Florida Mortgage Calculator l Mortgage finance calculator for Florida finance rates #calculate #monthly #mortgage


#home mortgage calculator with taxes and insurance

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Mortgage Calculator

Use our mortgage calculator to determine your monthly mortgage payment. Estimate your taxes and insurance for a more accurate payment calculation. Enter amounts in the fields below and press Calculate Now to give you an estimated monthly mortgage payment.

Now that the Florida mortgage calculator has helped you determine your mortgage payment amount, apply today! 1stFloridaMortgage.com offers mortgage loans of all types. Mortgage refinance, consolidate debt, or refinance or home equity loans. Low rates, Low fees. We offer the highest quality personal service to each of our clients.

When does it make sense to refinance? Usually people refinance to save money, either by obtaining a lower interest rate or by reducing the term of the loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts. The decision to refinance can be difficult, since there are several reasons to refinance. However, if you are looking to save money, try this calculation:

  1. Calculate the total cost of the refinance
  2. Calculate the monthly savings
  3. Divide the total cost of the refinance (#1) by the monthly savings (#2). This is the “break even” time. If you own the house longer than this, you will save money by refinancing.

2013 1st Florida Mortgage Florida Home Loans

Florida Mortgage Loan Directory for new home loans, mortgage refinance,
FHA mortgage loans, VA mortgage Laons & Reverse Mortgages – All rights reserved.

1stFloridaMortgage.com not offer home loans, refinancing, FHA home loans, VA home loans, or Reverse Mortgages. 1stFloridaMortgage.com not a mortgage lender or a mortgage broker. 1st Florida Mortgage Company is a mortgage directory exclusively for First Florida Lending of Florida. This website provides information and reviews about local Florida mortgage companies and does not offer loans or mortgages directly or indirectly through representatives or agents. 1st Florida Mortgage is not responsible for the accuracy of information or responsible for the accuracy of the rates, APR or loan information posted by mortgage brokers, lenders or home loan advertisers.


Specialist mortgage products – L – C Mortgage Guides #compare #mortgage #loans


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Niche products

Sub prime

A sub-prime mortgage is aimed at borrowers who do not fit the typical lending criteria of high street mortgage lenders. The most common reason for this is where the borrower has had some credit problems in the past that makes them ineligible for a standard (or prime) mortgage deal – such problems include missed loan payments, County Court Judgements or bankruptcy.

A borrower in this position is considered by mortgage lenders to be a higher risk and therefore interest rates on sub-prime deals can be a lot higher than usual, depending on the severity of the credit issues.

Self Certification

A self-certification mortgage is one where the borrower certifies his or her own income, rather than provide proof of it to the mortgage lender for assessment.

Self-cert deals are designed to help self-employed people and people with multiple sources of income who aren’t able or would struggle to provide proof of their full income. However, since the credit crunch, these deals have all but disappeared due to the risks involved in banks lending money without proof of the borrower’s income

Green mortgages

The term ‘green mortgage’ can mean a range of things, but generally it refers to two types of mortgage. The first is a mortgage deal that offers some environmental/ecological benefit or incentive – a lender may, for example, plant trees on your behalf, or make a donation to a charity or project. Interest rates on such green mortgage deals can be high relative to standard deals so you may be better off getting the best deal you can and then making your own contributions to green causes.

The second type is a deal that is aimed at people buying, building or renovating an eco-friendly home – certain lenders may be willing to lend on such projects where other lenders wouldn’t.

Self-build

A self build mortgage is aimed at people requiring finance to build their own property as opposed to buying an existing one – they can also be suitable for renovation projects. The money is typically released in stages as the build progresses with the mortgage lender visiting and assessing the build at each stage – depending on the deal, money is released either before or after each stage.

Some new build deals will insist that you already have the plot of land on which to build, whilst others will provide finance for that too.

Due to the risky nature of building your own home, it is essential that you have a detailed budget and good cashflow before embarking on a project and securing finance.

New build

For many people, buying a new build property is a great way to get on or move up the housing ladder. A brand new home can give you the freedom to make it your own and it should give you fewer structural problems than an old or period home.

However, not all lenders will lend on new build properties, particularly new build flats and those that do will have specific limits on how much you can borrow compared to the property value. If you’re buying a new build property, it’s important to make sure that you can secure the mortgage you need before committing to anything

There may be certain offers available from the house builder or developer and you may be eligible for Government home ownership schemes.

Shared ownership/HomeBuy schemes

Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage.

We’re here to offer our customers excellent fee free mortgage advice. Our expert advisers will help you secure the best mortgage deal whether you’re a first time buyer, remortgaging your home, buying to let or moving up the property ladder. We’ll help you throughout the mortgage process – no hidden costs or surprises, just straightforward, honest, mortgage advice.

Representative example A mortgage of 204,382 payable over 23 years, initially on a fixed rate until 30/09/18 at 2.28% and then on a variable rate of 4.00% for the remaining 21 years would require 26 payments of 951.59 and 250 payments of 1,116.47. The total amount payable would be 304,884 made up of the loan amount plus interest ( 99,477) and fees ( 1,025). The overall cost for comparison is 3.8% APRC representative.

London Country Mortgages Ltd, Beazer House, Lower Bristol Road, Bath, BA2 3BA is a company limited by shares. Our Companies House number is 1988608. We are also authorised and regulated by the Financial Conduct Authority. Our FCA number is 143002. The FCA does not regulate most Buy to Let mortgages.

© 2016 London Country. All rights reserved.


Specialist mortgage products – L – C Mortgage Guides #mortgages #for #teachers


#mortgage products

#

Niche products

Sub prime

A sub-prime mortgage is aimed at borrowers who do not fit the typical lending criteria of high street mortgage lenders. The most common reason for this is where the borrower has had some credit problems in the past that makes them ineligible for a standard (or prime) mortgage deal – such problems include missed loan payments, County Court Judgements or bankruptcy.

A borrower in this position is considered by mortgage lenders to be a higher risk and therefore interest rates on sub-prime deals can be a lot higher than usual, depending on the severity of the credit issues.

Self Certification

A self-certification mortgage is one where the borrower certifies his or her own income, rather than provide proof of it to the mortgage lender for assessment.

Self-cert deals are designed to help self-employed people and people with multiple sources of income who aren’t able or would struggle to provide proof of their full income. However, since the credit crunch, these deals have all but disappeared due to the risks involved in banks lending money without proof of the borrower’s income

Green mortgages

The term ‘green mortgage’ can mean a range of things, but generally it refers to two types of mortgage. The first is a mortgage deal that offers some environmental/ecological benefit or incentive – a lender may, for example, plant trees on your behalf, or make a donation to a charity or project. Interest rates on such green mortgage deals can be high relative to standard deals so you may be better off getting the best deal you can and then making your own contributions to green causes.

The second type is a deal that is aimed at people buying, building or renovating an eco-friendly home – certain lenders may be willing to lend on such projects where other lenders wouldn’t.

Self-build

A self build mortgage is aimed at people requiring finance to build their own property as opposed to buying an existing one – they can also be suitable for renovation projects. The money is typically released in stages as the build progresses with the mortgage lender visiting and assessing the build at each stage – depending on the deal, money is released either before or after each stage.

Some new build deals will insist that you already have the plot of land on which to build, whilst others will provide finance for that too.

Due to the risky nature of building your own home, it is essential that you have a detailed budget and good cashflow before embarking on a project and securing finance.

New build

For many people, buying a new build property is a great way to get on or move up the housing ladder. A brand new home can give you the freedom to make it your own and it should give you fewer structural problems than an old or period home.

However, not all lenders will lend on new build properties, particularly new build flats and those that do will have specific limits on how much you can borrow compared to the property value. If you’re buying a new build property, it’s important to make sure that you can secure the mortgage you need before committing to anything

There may be certain offers available from the house builder or developer and you may be eligible for Government home ownership schemes.

Shared ownership/HomeBuy schemes

Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage.

We’re here to offer our customers excellent fee free mortgage advice. Our expert advisers will help you secure the best mortgage deal whether you’re a first time buyer, remortgaging your home, buying to let or moving up the property ladder. We’ll help you throughout the mortgage process – no hidden costs or surprises, just straightforward, honest, mortgage advice.

Representative example A mortgage of 204,382 payable over 23 years, initially on a fixed rate until 30/09/18 at 2.28% and then on a variable rate of 4.00% for the remaining 21 years would require 26 payments of 951.59 and 250 payments of 1,116.47. The total amount payable would be 304,884 made up of the loan amount plus interest ( 99,477) and fees ( 1,025). The overall cost for comparison is 3.8% APRC representative.

London Country Mortgages Ltd, Beazer House, Lower Bristol Road, Bath, BA2 3BA is a company limited by shares. Our Companies House number is 1988608. We are also authorised and regulated by the Financial Conduct Authority. Our FCA number is 143002. The FCA does not regulate most Buy to Let mortgages.

© 2016 London Country. All rights reserved.


Insurance Reviews #e #l #insurance


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E L | Equine and Livestock

5 Comments

My insurance with E L cost £35 per month, which I thought gave me vets cover of up to £5k. However, when it came to making a claim on my horse, I found out that I was on a much lower level of cover of £1,600 which I hadn t been told about. Fortunately, the vets bill came in at £1,000 so I assumed I would be covered but of that £100 was for stabling and £175 was the excess so overall E L said they would only pay £725. They then challenged the cause of the horse getting injured (which had been lameness). My experience shows that they do not want to accept any risk for their money.

Type of insurance (e.g. Home/Travel/Motor/Phone/Pet). Pet

5 people found this review helpful.

Was this review helpful to you? Yes / No

I took out caravan insurance with E and L. When I changed my van after 7 months they would not move cover to new van.
Happy to offer an new policy .

Don t touch them there enquiry lines lines are always busy and after normal rubbish that you have to pay to listen to you get a message, connecting to an operator then an engaged tone then a message saying operator no xxx is engages we cannot help you.

Type of insurance (e.g. Home/Travel/Motor/Phone/Pet). Caravan

2 people found this review helpful.

Was this review helpful to you? Yes / No

I have finally managed to contact E L after spending hours on the phone being told to call later by an answer machine. Their customer service is really lacking and the person on the phone was quite rude. They are obviously intent on putting customers off making a claim and their policies are not clear. I will be looking for another company for my renewal.

Type of insurance (e.g. Home/Travel/Motor/Phone/Pet). Pet Insurance

2 people found this review helpful.

Was this review helpful to you? Yes / No

Have had a policy for my dog Madge with this company for over 10 years,
upgraded from Silver cover to Gold in January which increased vet fee cover to £5000. Sadly Madge had to be put to sleep last week following paralysis of her
rear legs (cause unknown) so I just called them to cancel the policy only to be told on top of the £85 policy excess I will have to pay 30% of the remainder of the vet bill due to it being a senior dog policy they failed to inform me of this when I increased the cover and never sent me the policy in addition no payment for death due to the cause not being accidental actually cause was unknown. This company is disappointing and don t deserve loyal customers or new ones come to that buyer beware.

Type of insurance (e.g. Home/Travel/Motor/Phone/Pet). +447774295172

Disgusting company that makes huge profits out of animals suffering.
They mislead customers about policies and charge outrageous excess fees when your pet reaches a certain age. Any vet will tell you this company is a disgrace.
Never ever use this company.
Shame on you Equine and Livestock.

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Thrift Savings Plan (TSP) #tsp #l #income #fund


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Thrift Savings Plan (TSP)

Federal Employee s CSRS FERS Thrift Savings Plan (TSP) Review

The Thrift Savings Plan (TSP) is a retirement savings and investment plan for Federal employees. Congress established the TSP in the Federal Employees Retirement System Act of 1986. The purpose of the TSP is to provide retirement income. The TSP offers Federal employees the same type of savings and tax benefits that many private corporations offer their employees under 401(k) plans. The National Defense Authorization Act extended participation in the TSP to members of the uniformed services, including the Ready Reserve.

If you receive a TSP withdrawal payment before you reach age 59½, in addition to the regular income tax, you may have to pay an early withdrawal penalty tax equal to 10% of any portion of the payment not transferred or rolled over. However, if you are age 55 or older in the year you separate or retire, the 10% early withdrawal penalty tax does not apply. See resources for additional tax information.

The Thrift Savings Plan is an important benefit designed to help FERS, CSRS and CSRS Offset federal employees save for their future. The TSP offers all participants:

  • Tax deferral on contributions
  • A choice of 5 investment funds and additional life cycle funds.
  • A loan program
  • In-service withdrawals for financial hardship or after age 59½
  • A choice of post-separation withdrawal options
    • TSP Survivor Withdrawal Options
  • The ability to transfer money from other eligible retirement savings plans into your TSP account

The TSP is especially important for FERS employees because it is one of three parts of your retirement coverage. Employees can now contribute a significant portion of their basic pay each pay period, up to the IRS annual limit. CSRS employees do not receive Government contributions in their TSP accounts. However, CSRS employees can still take advantage of the TSP to provide a source of retirement income in addition to your CSRS retirement benefit.

The amount you can contribute changes annually. You may elect to contribute any dollar amount or percentage of basic pay. However, your annual dollar total cannot exceed the Internal Revenue Code limit, which is $18,000 for 2016 and $6,000 for catch up contribution s over age 55.

Contributing as much as you can to TSP retirement coverage is simply a smart financial move. Invest money in yourself and your future instead of giving the government an interest free loan in order to get back a large refund check annually after taxes.

Question: I have been planning for retirement for some time. I want to withdraw partial sums from the Plan after separation and roll each of them over directly into my Roth account. What are the tax consequences?

Answer: The key is in the type of IRA. When you rollover any investment account that hasn’t yet been taxed (TSP, traditional IRA, 401k) to an after-tax investment account, such as a Roth IRA, taxes must be paid to Uncle Sam at the time of the rollover.

If you want to avoid being taxed on the entire rollover amount, you can leave the funds in TSP (provided the amount is over the minimum) or roll the account over to a Traditional IRA.

Before electing to rollover the entire amount out of TSP you should consider the administrative expenses of the new investment. If you leave a minimum balance in TSP and keep the funds in a pretax account (traditional IRA), you will be able to roll funds back into TSP if you elect to do so. Also carefully examine the withdrawal reasons and age for withdrawal, as they are different in TSP than other IRA type accounts.

Federal employees should consider contributing the maximum amount possible; especially FERS employees that must often rely on TSP withdrawals to maintain their standard of living in retirement. The maximum TSP contribution for 2016 is $18,000 and if you are over age 50 add an additional $6,000 catch up contribution if possible. The $18,000 divided by 26 pay periods equals a $692 contribution per pay period plus an additional $230 if you are over age 50. Most agency employees will need to make the change effective in pay period 26 to affect the first pay period in January, 2017.


Free Mortgage Advice – Mortgage Broker – L – C Mortgages #mortgage #rates #chart


#apply for mortgage

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FEE FREE
MORTGAGE ADVICE

Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage.

We’re here to offer our customers excellent fee free mortgage advice. Our expert advisers will help you secure the best mortgage deal whether you’re a first time buyer, remortgaging your home, buying to let or moving up the property ladder. We’ll help you throughout the mortgage process – no hidden costs or surprises, just straightforward, honest, mortgage advice.

Representative example A mortgage of 204,382 payable over 23 years, initially on a fixed rate until 30/09/18 at 2.28% and then on a variable rate of 4.00% for the remaining 21 years would require 26 payments of 951.59 and 250 payments of 1,116.47. The total amount payable would be 304,884 made up of the loan amount plus interest ( 99,477) and fees ( 1,025). The overall cost for comparison is 3.8% APRC representative.

London Country Mortgages Ltd, Beazer House, Lower Bristol Road, Bath, BA2 3BA is a company limited by shares. Our Companies House number is 1988608. We are also authorised and regulated by the Financial Conduct Authority. Our FCA number is 143002. The FCA does not regulate most Buy to Let mortgages.

© 2016 London Country. All rights reserved.


Best Real Estate Company in Delhi NCR #real #estate #projects #in #delhi #ncr,best #real #estate


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About us

At KAMP, we are passionate about delivering exceptional projects that meet the future expectations of our customers. Our purpose is to plan and construct large scale state of the art housing industry and undertake real estate development, transforming pre – eminently in terms of comfort, durability, security, luxury and style combined with innovative and cutting edge technology. Our team is dedicated to deliver the finest large scale residential and commercial projects at par, benchmarked against global trends and practices.

We endeavor to build commercial and residential complexes that represent the splendid modern day architecture. We have understood the need for modern and hassle free living in the contemporary period therefore; exquisiteness is the hallmark of our projects. Every aspect of our projects blends in harmony with nature and customer expectations.

Our strength is adherence of promises through meticulous planning, delving into intricacies of real estate, emphasizing on essential requirements, importance of location, connectivity and convenience, budget limitation of the customer, backed by quality material, finest architects, designers and contractors.

Already being ISO 9001:2008 certified organization for Quality Management Systems, ISO 14001:2004 for Environmental Management Systems & ISO 18001:2007 for Occupational Health & Safety Management Systems from UASL, UK is dedicated towards it efficiency, quality & timely delivery.

Mr. Pradeep Sehrawat (Director): A Born Leader

A graduate in engineering from UK, Mr. Pradeep has rich and versatile experience in stock market, sales & marketing and setting up and promoting companies in diverse cultural and business environments. His ad hoc marketing strategies for promoting and building brand of the company is pre – eminent. He leads all the sales & marketing activities of the company including tie ups with robust channel partners for the growth of the company. His analytical techniques and undeterred capacity to work tirelessly has added significantly in building an unshakable reputation of company in real estate fraternity.

Mr. Ashish Dahiya (Director): A Born Entrepreneur

A post graduate in marketing, advertising and PR from UK, Mr. Ashish has immense experience of a decade in real estate and construction business. His tremendous knowledge in using the most efficient and effective method of construction, beyond imagination working style and pioneering strides towards detailing in architecture adds indispensable value to the organization. His dynamic potential has contributed largely towards the growth of the organization.

Mr. Praveen Sehrawat (VP Sales & Marketing): A Strategic Person

A B.tech in Electronics & Communication, being a strong IT expertise is well advanced & qualified in sales & marketing, advertising & Web procedures & implementations has immense experience of Real Estate sales & marketing strategies. A committed Team player with an enthusiasm to achieve any given challenge, has always dynamic innovative plans & ideas to continue & accelerate towards the growth of organization.

A very Social Active Personality & a founder member of International Intellectual Foundation for Humanity.

To make a meaningful contribution in the re-invention of the real estate industry in India and fundamentally change the way we live and work in urban environments. We envision ours as a diversified company specialized in real estate that works consistently for the profitability of the investors and shareholders.

To challenge the conventional notions of the urban lifestyle through a significant transformation and to bring down the environmental impact of life in the 21st century. We are committed to achieve our goals by encouraging social dynamism and quality of life for the people of India. We strive to create an environment for our clients where we can learn, grow and succeed together. Through the efforts made by the most dedicated professionals supported by innovative business plans and management, we are committed to create an enjoyable real estate transaction.

We look forward to achieving the highest levels of leadership, integrity and excellence with constant hard work and sustained efforts. We provide the best standards of service in order to ensure client satisfaction. We are determined to set a new benchmark in property development and aspire to become the most esteemed real estate company. At KAMP, we respect each other, work for mutual opportunities, celebrate individual success and fulfil our core values that distinguish us from the others in the industry.

Management of KAMP is actively engaged in the business of stock broking since 1994 in the name of Standard Securities Investment & Intermediates Ltd. which is listed on BSE. The group have a long history in the field of land acquisition and are professionally pioneered in the development of colonies & real estate development. To mention few:

Developed A Block colony in Sector 23 Dwarka
Developed B Block colony in Sector 23 Dwarka
Developed Pochanpur Extension, Sector 23 Dwarka
Developed Bhola Ram Enclave, Sec 23 Dwarka
Delivered over 60 residential and commercial units in Dwarka 16, 19 and 23 and also in Pashim Vihar

In addition to the aforesaid, the management is also running RWS (Revanta Welfare Society) with over 800+ housing members and over 500 associate members in P. II Zone. The Projects currently running under the head of RWS are:

Royal Residency
Kings Court
Royal Town Heights

We are extremely honored and express our gratitude on receiving the following realty awards.

1. “Indian Achievers’ Realty Award for Affordable Housing Of The Year” from the Indian Achievers Forum.

2. “Low Cost Housing Of The Year (North) Award” from the Economic Times Now & Franchise India


Acido Glicolico: ecco i trattamenti ideali per le macchie cutanee #e #a #l


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Acido Glicolico: trattamenti ideali per le macchie cutanee

Gli alfa-idrossiacidi. come ad esempio l’Acido Glicolico . sono una classe di molecole utilizzate nell’universo della cosmeceutica per i loro effetti benefici sul rinnovamento cutaneo e in generale sulla bellezza della pelle.

I loro effetti benefici sono ben noti già da tempi remoti: Cleopatra, infatti, ogni giorno si immergeva nel latte d’asina di cui aveva notato gli effetti vellutanti sulla pelle. Senza saperlo, si serviva di un trattamento a base di Acido Lattico, uno dei più noti alfa-idrossiacidi.

CARATTERISTICHE E ATTIVITA’ BENEFICHE DEGLI ALFA-IDROSSIACIDI

L’attività biologica degli alfa-idrossiacidi dipende dalla loro struttura chimica: sono acidi organici che presentano un gruppo ossidrilico sull’atomo di carbonio adiacente al gruppo carbossilico.

Questa struttura gli permette di intercalarsi tra le giunzioni proteiche dei corneociti, piccole cellule appiattite prive di nucleo, veri e propri “mattoni” della nostra pelle, riducendone la coesione e favorendo il potere igroscopico attraverso la formazione e l’aumento del numero dei ponti di idrogeno creatisi per la presenza dei molteplici gruppi ossidrilici, favorendo così un effetto di idratazione e di plasticità cutanea.

Questi acidi sono inoltre in grado di inibire selettivamente le solfotransferasi e le fosfotransferasi. due enzimi deputati alla formazione dei ponti tra corneociti (che aumentano dunque la coesione tra di loro), conducendo così alla rimozione del tappo cheratinico. a un effettoesfoliante e ad un assottigliamento dello strato corneo.

Quest’ultimo effetto stimola le cellule più profonde, più vitali e idratate, inducendone un turnover continuo. Nonostante l’assottigliamento dello strato corneo, l’effetto finale ottenuto è un aumento dello spessore dell’epidermide. nel suo insieme del 30-50%, che risulta costituita prevalentemente da cellule rigenerate e vitali. Inoltre, l’assottigliamento dello strato corneo favorisce la penetrazione di molti principi attivi e quindi rende la pelle molto più recettiva alla penetrazione di altri prodotti cosmeceutici.

Per tutti questi motivi scientificamente fondati, l’uso dell’Acido Glicolico. alfa-idrossiacido per eccellenza, a concentrazioni ideali (3,5% risulta essere la concentrazione più efficace per trattamenti home-made) è in grado diuniformare la grana della pelle e renderla più luminosa e vellutata. Contemporaneamente, oltre ai benefici visibili, l’Acido Glicolico prepara la pelle per un perfetto trattamento idratante. punto essenziale per conferirle la sua fisiologica elasticità.

ACIDO GLICOLICO: ALFA-IDROSSIACIDO PER ECCELLENZA NEL TRATTAMENTO DELLE MACCHIE CUTANEEE

L’Acido Glicolico inoltre è un alleato sostanziale per il trattamento dellemacchie cutanee . L’iperpigmentazione consiste in un’alterazione del colorito cutaneo, causata dall’attivazione del processo di sintesi della melanina ad opera di diversi agenti sia esogeni che endogeni. In tale contesto, l’Acido Glicolico, favorendo l’esfoliazione superficiale. contribuisce ad eliminare gradualmente le cellule iperpigmentate ed inoltre permette una migliore penetrazione di sostanze in grado di inibire la formazione della melanina o di degradare quella già esistente, come l’Acido Cogico e Wildberry Extract.

Se usate in combinazione, queste sostanze inducono una progressiva riduzione della quantità di melanina contenuta a livello della macchia ipercromica ed il suo graduale schiarimento.

TRATTAMENTI ALL’ACIDO GLICOLICO

Il trattamento all’Acido Glicolico è un peeling molto delicato della pelle che serve ad eliminarne consistenti imperfezioni ed a migliorarne l’aspetto. Un soft peeling con l’Acido Glicolico è quindi un trattamento che si basa sulla stimolazione cutanea piuttosto che sulla sua eliminazione, per favorirne il ricambio cellulare.

I trattamenti a base di Acido Glicolico, inoltre, si contraddistinguono per la loro bassa percentuale di reazioni avverse e complicazioni. Ciò è possibile per il semplice fatto che l’Acido Glicolico agisce su fibroblasti e cellule basali stimolandone l’attività. Questa è un’azione che contribuisce a rendere la pelle più liscia e tonica grazie all’utilizzo, appunto, all’Acido Glicolico che, se impiegato in percentuali elevate (fino al 70%), deve essere utilizzato sotto controllo dermatologico.

Gli effetti che derivano da un trattamento all’Acido Glicolico sono indolori e tendono a ridare luce, elasticità e morbidezza all’epidermide, eliminando rughe e cicatrici.

QUANDO E’ IL CASO DI FARE UN TRATTAMENTO ALL’ACIDO GLICOLICO?

Innanzitutto in caso di imperfezioni cutanee dovute al tipo di pelle, per contrastare gli effetti del tempo e degli agenti atmosferici. I danni maggiori alla pelle si hanno, difatti, a seguito di prolungate esposizioni ai raggi del sole. ad una vita intensa all’aria aperta, ma anche a causa dello smog e dell’inquinamento atmosferico.

I trattamenti all’Acido Glicolico possono essere eseguiti sia presso strutture e centri estetici che con trattamenti domestici, a seconda della concentrazione degli stessi. Sono subito attivi, anche se l’azione è molto delicata, e rimuovono immediatamente cellule morte e strati superficiali dell’epidermide che risultano compromessi.

L’Acido Glicolico, inoltre, stimola l’eliminazione della pelle danneggiata, nella parte superficiale dell’epidermide, e la produzione di nuove cellule che nel sostituire quelle eliminate, donano nuova consistenza alla cute.

La pelle in generale riceve notevoli benefici da questa azione esfoliante, con un effetto benefico che dura nel tempo.

Se si agisce con una dose adeguata, l’Acido Glicolico è utile anche nella stimolazione della produzione di collagene e di elastina. che sono molecole importanti nella formazione di strati cutanei sani, e che conservano tono ed elasticità.

L’Acido Glicolico, infatti, possiede la capacità di stimolare, nel derma, la sintesi di mucopolisaccaridi, collagene. elastina e acido ialuronico. agendo, da un lato, direttamente sui fibroblasti e dall’altro, indirettamente, inducendo i cheratinociti (cellule della pelle) a produrre le interleuchine, sostanze in grado di stimolare il metabolismo dei fibroblasti.

QUALI SONO LE CARATTERISTICHE DELL’ACIDO GLICOLICO?

Tecnicamente parlando, l’Acido Glicolico agisce su quella parte della pelle caratterizzata dalla presenza di cellule morte, rimuovendola e aumentando così l’ossigenazione dei tessuti. Le proprietà esfolianti dell’Acido Glicolico sono uno stimolo alla produzione di cellule cutanee nuove. e di collagene, che vanno a sostituire quelle degli strati rimossi.

L’Acido Glicolico si estrae fondamentalmente da prodotti naturali come la frutta (ananas, uva), le barbabietole, lo zucchero di canna ed è un acido del tipo alfa-idrossiacido. È generalmente utilizzato nei peeling cutanei con finalità cosmetiche e come soluzione in caso di imperfezioni estetiche.

I trattamenti all’Acido Glicolico sono consigliabili a tutti coloro che presentano lievi imperfezioni della pelle che, a seguito di un trattamento, possono risultare decisamente migliorate: un esempio è l’atrofia delle cellule delle smagliature . che può essere migliorata utilizzando Acido Glicolico e altri prodotti stimolanti la rigenerazione cutanea.

Ciò si deve all’effetto dell’Acido Glicolico, alla sua azione stimolante sulle cellule, che si rigenerano e riempiono le cicatrici. ed alla sua efficacia sui pori ostruiti. In particolare, sono noti degli effetti benefici che il trattamento può avere in soggetti acneici ed in tutte quelle persone che presentano cicatrici nella zona del viso e del collo.

COSMECEUTICI MIAMO

Se si desidera una decisa ed efficace riduzione delle conseguenze dell’acne è consigliabile un trattamento all’Acido Glicolico con GLYCOLIC ACID EXFOLIATOR 3,8% . un esfoliante viso e corpo che rappresenta il prodotto di punta della linea total care di Miamo.

(PS: l’acido glicolico non fa parte del kit acnever quindi, in presenza di situazioni dove l’acne è ancora presente, Miamo consiglia l’utilizzo dell’acido salicilico con SALICYLIC ACID EXFOLIATOR 2% ).


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John L Norris (Addiction Treatment Center) in Rochester, NY – Rehabilitation Center Report – Services,


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John L Norris (Addiction Treatment Center)

Detailed report on the substance abuse treatment rehabilitation center located in Rochester, New York (NY).

John L Norris is a drug or alcohol rehabilitation center with a primary focus on substance abuse treatment based at 1732 South Avenue Rochester Psychiatric Center in Rochester, NY. The provider may also be called or have a program named Addiction Treatment Center.

The facility provides buprenorphine services to the public. The treatment center provides residential short-term treatment care. There are no special groups or programs offered at this facility. Special language services provided include assistance for hearing impaired. Payments via medicaid and private insurance are accepted. Payment assistance is offered by way of case by case basis (check with facility for specifics).

Overall Rating

Rochester at a Glance

Rochester has a total population of 219,773, of which 61,735 are children under the age of 18 and 21,977 are seniors 65 and older. The median age is 30.8.

Total Population: 219,773 Median Age: 30.8 Males: 105,083 (47.8%) Female: 114,690 (52.2%) Children (0-17): 61,735 (28.1%) Adults (18-64): 136,061 (61.9%) Seniors (65+): 21,977 (10.0%) Age Breakdown: Married: 63,381 (28.8%) Divorced: 18,510 (8.4%) Marriage Breakdown: Hispanic Ethnicity: 28,032 (12.75%) White: 106,161 (48.30%) African American: 84,717 (38.55%) Asian: 4,943 (2.25%) Pacific Islander: 104 (0.05%) Indian: 1,033 (0.47%) Other: 14,452 (6.58%) Two or More: 8,363 (3.81%) Racial Breakdown:

Health

The average number of disabilities per resident is 0.41, which does not include institutionalized individuals.

Disabilities: 0.41 (Per Capita) Dialysis Centers: 7 Doctors: 3,642 Home Agencies: 4 Hospitals: 5 Nursing Homes: 25 Medical Suppliers: 174 Rehab Centers: 33

Wealth

The median family income is $31,257 while the median household income is $27,123. Roughly 24.90% of the population live in poverty.

Family Income: $31,257 Household Income: $27,123 In Poverty: 24.90%


Best Mortgage Rates – Best Mortgage Deals – L – C #house #payment


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Think carefully before securing other debts against your home. Your home or property may be repossessed if you do not keep up repayments on your mortgage.

We’re here to offer our customers excellent fee free mortgage advice. Our expert advisers will help you secure the best mortgage deal whether you’re a first time buyer, remortgaging your home, buying to let or moving up the property ladder. We’ll help you throughout the mortgage process – no hidden costs or surprises, just straightforward, honest, mortgage advice.

Representative example A mortgage of 204,382 payable over 23 years, initially on a fixed rate until 30/09/18 at 2.28% and then on a variable rate of 4.00% for the remaining 21 years would require 26 payments of 951.59 and 250 payments of 1,116.47. The total amount payable would be 304,884 made up of the loan amount plus interest ( 99,477) and fees ( 1,025). The overall cost for comparison is 3.8% APRC representative.

London Country Mortgages Ltd, Beazer House, Lower Bristol Road, Bath, BA2 3BA is a company limited by shares. Our Companies House number is 1988608. We are also authorised and regulated by the Financial Conduct Authority. Our FCA number is 143002. The FCA does not regulate most Buy to Let mortgages.

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