Are Fashion Magazines Really Necessary And Are They Worth The Money We Spend On Them?

Let’s face it we are all at one time or another looking to improve or change our appearance and build on our Find our sense of fashion? If you are one of us, which I am sure you are then you probably have purchased fashion magazines at some point in your life. Some of us have purchased these more than others. A large number of you purchase fashion magazines each month and some of you on occasion will purchase these weekly. It could be because these marvelous little jewels are chalked full of beauty tips, fashion advice and tips. So I suppose you are asking yourself should I be purchasing these Fashion Magazines.

Well I suppose there are considerations to take into effect as with everything but you really have nothing to loose. Now if you are on a budget then that would be one of those considerations, however, fashion magazines are pretty affordable, yet the cost could add up. If you have a place in your budget listed as entertainment you could add your Fashion Magazines there, or you could pick one up when your out and find a couple of bucks to spare and TREAT yourself. As with the latest fashion trends it could also add up keeping up with the trends in the fashion magazines.

Now another consideration in buying Fashion Magazines is to determine if you have the internet. Do you have internet access? Well if so, a large number of these fashion magazines can be found online. It is great to see these online because the information found in them is the same and often you will find more to read about and more pictures to look at. You may even prefer to have both. Just keep in mind that as most of these sites are free there are a few that ask you to pay a small fee.

So what types of fashion are you most interested in learning more about? Well if you are not sure, there are modern fashion trends, 80s trends, gothic, and so forth. Unfortunately, most printed fashion magazines only focus on one or two types of fashions and they are often the ones that are most popular at the moment. If you are looking for fashion tips, advice, and information on trends from other eras, aside from today, you may actually not find what you are looking for in a fashion magazine. To determine if so, you may want to think about at least skimming through a fashion magazine before buying it.

Lastly the many considerations you take into heart when trying to determine these magazines are really worth your money is to determine how you will use them. There are many of you that purchase and even keep your fashion magazines around to review over and over and then again, others read them and discard them or toss them aside. Now these magazines are so affordable really but they can add up on you quickly so be selective and remember you can save yourself money by finding the same information online.

We spoke about how fashion magazines are a great source for learning about today’s fashion trends, but there are other sources out there. Yes the internet is one source to finding that perfect fashion magazine that suits you best, but also the television is a popular source as well.

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How Does Gardening Relieve Stress?

One of my favorite activities is working in my garden; it is also a vibrant place to meditate, often visited by various winged and four-legged creatures. Being in nature, touching the soil and creating a living landscape is healing in a way that is like nothing else. The very fragrance of the soil, the textures of the barks and foliage of green plants, the aromatic flowers, all are a work of art that is soothing to the spirit.

Gardening is a creative work, all in magnificent 3-D. The pallette you have to work with includes textures, colors, shapes, sounds and scents. You can plant for wildlife, or for butterflies. Rain gardens are a beautiful way to deal with runoff from the roof, while recharging the local water table instead of sending rainwater down the city sewer system.

Granted, all this may not work for you if you don’t like gardening. Even if you love the idea of gardening, and perhaps have some experience or helped your mother or grandmother in the garden when you were a child, it is important that it not be a chore. The easiest first mistake is to take on too much, and find that instead of being a stress relief you are stressed because the goals you set are unrealistic.

Rather than end up with a stressful responsibility that has become overwhelming, it is far better to enjoy a potted plant or a single container garden on the patio, or a hanging planter or two by the walkway to greet you with their cheerful color, than to stress out over a large garden that has run to weeds due to lack of available time.

Keep it simple, start small… Or even, start tiny, even indoors with a little terrarium, or a potted group of cactus. One plant that I consider important to keep in the house is an aloe plant. It is hardy, doesn’t mind indoors as long as the humidity doesn’t get too low, and is a wonderful medicinal herb for minor burns, scratches and bruises. Another fun idea, especially if you love to cook, is to keep a small window herb garden. For more information on growing your own kitchen herbs, check out the Organic Gardening website with a great web page on growing herbs indoors.

A garden is a way to connect with nature, to slow down and be in the moment, and restore a sense of self in the noise and haste of the modern urban environment. Leave the phone and other noisemakers and distractions inside. Get a break from computer screens, TV screens, hand-held device screens and relax your gaze to take in a wider view. If you’ve ever suffered chastisement in school from indulging in the simple pleasure of looking out the window at beautiful clouds, you know what I mean.

My avocation is natural areas restoration; I am a member of a not-for-profit group that is working to set aside natural areas for wildlife habitat. We restore these areas as close as possible to their pre-settlement condition, with native plants and clean waterways. Of course, once the native plant community returns, the wildlife shows up in abundance. You may enjoy creating an ecosystem in your yard that not only features native plants, but will attract wildlife such as endangered butterflies, dragonflies, and birds. The National Wildlife Federation website has great information on how to create wildlife habitat in your yard or community. Again, be realistic and take things in small bites; this is a process. If nothing else, nature encourages us to slow down, take our time to enjoy. Take on too much and we soon fall into stress and anxiety over arbitrary, ultimately unsatisfying goals that we have set for ourselves. You know what Pogo said, “We have met the enemy and he is us”.

If you live in an apartment and don’t have garden space, you may want to consider joining in with the local community garden – or start one. The local community or neighborhood garden can also provide, if you wish, an opportunity to enjoy the benefit of social interaction.

Gardening provides a sense of accomplishment – that is, if we’ve not overwhelmed ourselves with too much to take care of. Not only that, but there is great satisfaction in growing our own vegetables, fruits and fresh herbs. There is no fruit or vegetable in the supermarket, however much money is paid out, that will compare with your home-grown, lovingly cared for vegetable. No matter that it may be a simple container-grown cherry tomato. For a great article on the best tomatoes for container growing, check out what Colleen Vanderlinden has to say, based on her personal experience.

There is even a movement called “geo-sense” gardening coming out of Europe. The idea is to design home gardens to provide stress relief. The tradition has deep roots, according to an article by Dr. Leonard P. Perry, Extension Professor at the University of Vermont. The ancient gardens of great civilizations of Egypt, Persia and China were designed to bring nature into their urban environments. Dr. Perry’s article contains ideas to incorporate into your garden to make it an environment – a mini ecosystem – that is designed for serenity.

In traditional Japan, the garden was an expression of Zen philosophy. In an article on the Japanese Garden website, Dr. Koichi Kawana explains the philosophy behind traditional Japanese garden design. The Helpful Gardener website is another great website describes the traditional Japanese Garden, and its underlying Zen philosophy.

The garden, whether it is a large plot or a simple miniature ecosystem in a container, embodies many things; spiritual philosophy, connectedness with nature, a living artistic creation, being grounded with our hands literally in the dirt, growing and providing ourselves and loved ones with our own superb food. All these things are the bounty that nature provides – freely given, asking for just a little touch of loving hands.

If you enjoy gardening, tell us about your experiences, and whether or not you find gardening to be relaxing. Do you find it a challenge to find the time you want to work in the garden? Have you been challenged by trying to do too much? How do you balance the enjoyment with the work needed to keep your garden in good shape? Are you an “au natural” gardener, or do you prefer a neat and orderly design? Does it seem to bring you closer to nature, or even to a meditative, spiritual experience?

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A Review of Debt Collection Laws and the Fair Debt Collection Practices Act

Have you even received a phone call or dunning letter from a creditor or collection agency? Whether you fell behind on your financial obligations or simply forgot to pay a bill one month, you probably have received a friendly reminder about the money you owe.

Most companies in the business of debt collection adhere to the Fair Debt Collection Practices Act, which are the laws that govern their behavior. Among other things, the Act prevents bill collectors from employing abusive tactics to pressure debtors into satisfying an obligation. For example, the Act prevents debt collectors from threatening a debtor with certain criminal prosecution, making excessive phone calls, certain third-party communication, etc. However, it is hard ball tactics which are often a bill collector’s best friend and employ the necessary pressure. In addition, the bill collectors are typically paid a commission on the debts the successfully collect. Consequently bill collectors often find themselves walking a fine line between regulatory compliance and illegal debt collection activities.

One debt collection agency which formerly did business in West Virginia jumped way beyond that line with their ultra aggressive debt collection activities and found themselves in federal court litigation. Specifically, the case of West v. Costen provided a prime example of how not to collect a debt. The case involves a class action lawsuit against named defendant William C. Costen.

One of the plaintiffs successfully proved that the defendant unlawfully contacted third parties about a debt. The FDCPA prohibits certain third-party contact which is designed to protect the debtor’s reputation and prevent the debt from losing a job. This can be most troublesome for a debtor if a bill collector continually contacts the debtor’s employer.

A debt collector may legally contact an employer but certain limitations apply and they must cease any communication once the debtor advises them to stop contacting him or her in that manner. In the West lawsuit, one plaintiff successfully proved that a bill collector illegally communicated with his teenage daughter and another proved that the defendant unlawfully communicated with his grandparents and uncle.

In addition to the above, the plaintiffs alleged more humiliating types of conduct. Specifically that the defendants violated section 1692e(4-5) of the act which prevents debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt and the representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person.

Specifically, the plaintiff alleged to have received a payment demand notice which indicated that a criminal warrant was pending. In addition, that the bill collector told the plaintiff that she would have a warrant issued for her arrest unless she paid her debt. The court failed to grant summary judgment on those issues since the defendants were collecting dishonored checks and it was possible to pursue criminal prosecution for such activity.

The case also includes a detailed discussion of other provisions of the FDCPA including the validation of debts, collection of service charges, and piercing the corporate veil.
In summary, if you have been contacted by a bill collector and feel that they may have stepped over the line, you may want to reference the Fair Debt Collection Practices Act and also the case of West versus Costen.

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