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Month: December 2018

Use This 11 Word Phrase to Stop Debt Collectors

Posted on by Ernest Perez

Are you being harassed by debt collectors? Are they threatening to take legal action if you don’t pay quickly? If so, then this blog post is for you. Although debt collection companies may have a reputation of sending intimidating letters and calls, there are ways that you can protect yourself. In this blog post we will cover the 11 word phrase that will help put an end to their demands and keep them away from your door.

Understand Your Rights

As a consumer, understanding your rights is crucial in protecting yourself from unfair practices in debt collection. The Fair Debt Collection Practices Act (FDCPA) is a federal law that outlines the guidelines that debt collectors must follow when attempting to collect a debt from you. Getting familiar with the FDCPA can provide you with valuable information on what is and is not allowed when dealing with debt collectors. For instance, debt collectors cannot harass, threaten, or intimidate you into paying off a debt. They cannot call you at inconvenient times or disclose information about your debt to third parties. Knowing your rights can give you the confidence to handle debt collection situations with ease and avoid any potential legal problems.

Evaluate Your Debts

It’s important to keep track of your debts in order to maintain financial stability. Evaluating your debts involves figuring out how much you owe and to whom. This can seem overwhelming at first, but taking the time to sit down and organize your debts can provide a clear picture of your financial situation. By identifying your creditors and their respective balances, you can create a plan of action to pay off your debts and regain control of your finances. So take some time to evaluate your debts, prioritize them, and create a plan that works for you. Your financial future will thank you.

Create an Action Plan

Taking control of your finances can feel intimidating, but creating an action plan can help ease your stress. One of the first steps is making a list of all your debts and prioritizing payments. While this may seem overwhelming, it’s important to understand where you stand financially. Organizing your debts with professional help from https://www.sandiegobk.com/ can help you visualize your debt-to-income ratio and determine which debts should be paid off first. Prioritizing payments based on interest rates and due dates can also help reduce the amount of interest you’ll pay over time. By taking charge of your debts, you’ll be on the right path towards financial freedom.

Request a Written Agreement

When it comes to managing financial obligations, it’s always best to err on the side of caution. This is especially true when borrowing money from a creditor. If you want to avoid any misunderstandings or discrepancies later on, it’s important to get everything in writing. Requesting a written statement of payment terms from your creditor is a small yet effective step towards protecting yourself and your finances. By doing so, you can ensure that both parties are on the same page with regards to the amount of money borrowed, the interest rate, and the due dates.

Use the 11 Word Phrase

If you’re wondering how to alert collectors that you know your rights and won’t settle for any harassment or intimidation, simply use this powerful eleven-word phrase: “Please cease and desist all calls and contact with me, immediately.” By letting collectors know that you’re aware of your rights and willing to take legal action, you can put a stop to any unfair treatment. Remember, it’s important to stand up for yourself and always assert your rights, and this statement is an excellent way to do just that. So go ahead and use it with confidence, and let collectors know that you won’t be pushed around.

Negotiate with Collectors

Negotiating with debt collectors is no easy feat, but it doesn’t have to be a completely one-sided affair. By discussing payment options that work for both parties, you can come to a mutually beneficial agreement that will help you build your credit back up and alleviate some of the stress that comes with outstanding debt. Whether you opt for a payment plan, a lump sum settlement or another option, it’s important to maintain open communication with your collectors in order to find the best path forward. Remember, even if you’re struggling to make payments, there are solutions out there that can help you get back on track without breaking the bank.

Ultimately, the key takeaway to remember is that understanding your rights as a debtor is essential. Ultimately, developing an action plan and utilizing the 11 word phrase should allow you to handle known debts responsibly so that both parties get what they want in a timely manner.

This Supplement Helps Strengthen Tooth Enamel

Posted on by Ernest Perez
If there is anything you can do to strengthen your tooth enamel you better believe it’s at the top of your to-do list. I am a firm believer in second chances but you don’t get a second chance when it comes to your tooth enamel. Once it is gone, there is no getting it back. Luckily majority of the time we can protect our tooth enamel through the foods we eat and how we take care of our teeth. However, there is another way that you can strengthen your tooth enamel and that is through taking supplements. Supplements are a great way to mind the gap of what is missing from your diet and protect yourself against unwanted health problems.   In regards to tooth enamel one supplement is worth taking over others. Calcium. *Cue applause and cheers* Calcium is probably the most important mineral when it comes to strengthening your teeth and luckily it is probably one of the easiest to get. Double bonus. Calcium can also be found in all dairy products and can also be found in leafy greens, beans and almonds. Taking calcium supplements can help your teeth remineralize and become stronger. However, there is more to it then just popping some supplement pills and moving on. There are other minerals that are important in this process. Vitamins like D2 and K2 are important as well because they work alongside the calcium and make sure that your calcium is being directed and absorbed in the correct way and areas.
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Causes of Sensitive Teeth

Posted on by Ernest Perez
We may encourage people to be sensitive but it is not a characteristic we want our teeth to emulate. Having sensitive teeth can cause discomfort or pain during certain activities such as eating or brushing your teeth. The main cause of this problem is normally worn tooth enamel, an exposed tooth root or teeth grinding. Your tooth enamel is the outermost layer of the tooth and protects your teeth. Once tooth enamel is worn down it cannot be rebuilt. However, it can be prevented from becoming even worse or ever happening at all. For prevention, pay attention to to the acidic foods and drinks such as carbonated drinks or citrus fruits that you are consuming. These acidic items can remove small amount of tooth enamel over time. Choose to drink acidic beverages through a straw to lessen the contact with your teeth and drink water after eating acidic foods to balance the acid levels in your mouth. An exposed tooth root is as bad as it sounds. Your tooth roots are normally protected by your gums. But your gums can be pushed back because of various reasons. In fact, brushing your teeth with a hard bristled toothbrush and some serious elbow grease might do more damage than good. Note: Brushing your teeth harder doesn’t make them cleaner. Sometimes misaligned teeth exposes the nerve of the tooth root. In addition, smoking or tobacco use can cause your gums to recede. There are many possible reasons, more than you’d imagine that you might grind your teeth at night. Research has found that 70% of people grind their teeth because of stress and/or anxiety. Evaluate your current lifestyle and see if there are changes that need to be made in order to alleviate some tension. In the end if you know that you grind your teeth at night talk to your doctor about getting a mouth guard. Those teeth need protection! There are many reasons why your teeth may be feeling sensitive. With that in mind, it is important to talk to your dentist first before jumping to any conclusions. A cavity, chipped tooth and even gum disease can cause similar discomfort when you eat or brush your teeth.
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In what cases is it necessary to hire a child support lawyer?

Posted on by Ernest Perez

If you are a parent who is going through a divorce, or if you are already divorced and need to establish or modify child support payments, then you may be wondering when it is necessary to hire a child support lawyer. In this blog post, we will discuss the different situations in which it is advisable to seek legal assistance with regards to child support. We will also provide some tips on how to find the right lawyer for your needs.

When is it necessary to hire a child support lawyer?
When parents get divorced, they often have to go to court to determine child custody and visitation arrangements. If you are facing this situation, you should hire a lawyer who specializes in family law and has experience dealing with child custody cases. The lawyer can help negotiate an agreement between the parents and represent you in court if necessary.

If you already have a divorce decree that establishes child support payments, but the other parent is not making the payments, you can hire a lawyer to help you enforce the child support order. The lawyer can help you file a contempt of court action against the other parent and, if necessary, represent you in court.

If you are a grandparent or other relative who is raising a child, you might be entitled to receive child support from the child’s parents. In some states, grandparents can seek child support directly from the parents. In other states, they must first try to get support from the custodial parent (the parent with whom the child lives). If that fails, they can then ask the court for an order requiring the non-custodial parent to paychild support. You should hire a lawyer to help you with this process.

How do you find the right lawyer for your needs?

When looking for a lawyer, it is important to find someone who specializes in the area of law that is relevant to your case. For example, if you need a family law lawyer, you should look for someone who practices family law, check out http://jwbfamilylaw.com. You should also ask friends, family members and co-workers for referrals.

It is also important to interview potential lawyers before hiring them. During the interview at golden state Workers Compensation of sacramento, you should ask about the lawyer’s experience with cases similar to yours, what kind of strategy they would recommend and how much they charge. Be sure to get a written estimate of the lawyer’s fees before hiring them.

Lastly, be sure to check the lawyer’s licensing and disciplinary record with your state bar association.
Tips for choosing the right child support lawyer
When looking for a child support lawyer, it is important to keep in mind that not all lawyers are created equal.
Here are some tips for choosing the right lawyer:
1. Do your research. Ask friends and family for referrals, or do an online search.

2. Interview potential lawyers. Talk to them about their experience with child support cases and ask for references.

3. Check out their credentials. Make sure the lawyer is licensed to practice in your state and has good standing with the bar association.

4. Get a fee agreement in writing. This will protect you from unexpected charges down the road.

5. Make sure you’re comfortable with the lawyer. You’ll be working closely with this person, so it’s important that you have a good rapport.

Choosing the right child support lawyer can make a big difference in the outcome of your case. With these tips, you can be sure to find a lawyer who will work hard to get you the best possible result.

What is considered a plumbing emergency?

Posted on by Ernest Perez

There are many things that can go wrong with your plumbing, and some of them can be classified as emergencies. If you are not sure what is considered a plumbing emergency, then read on! In this blog post, we will discuss some of the most common emergencies that plumbers are called to fix. We will also provide some tips on how to handle these emergencies yourself, so that you don’t have to wait for a plumber to come and help you.

What is a plumbing emergency?

A plumbing emergency is any problem with your plumbing that requires immediate attention. Some of the most common emergencies are listed below.

1. A burst pipe: A burst pipe is a serious problem and can cause a lot of damage to your home if it is not fixed quickly. If you notice water gushing out of a pipe, then you probably have a burst pipe. turn off the water supply to the affected area and call a plumber right away.

2. A clogged drain: A clogged drain can be a nuisance, but it is not usually an emergency. However, if the clog is severe, it can cause water to back up and overflow. If this happens, turn off the water supply to the affected area and call a plumber.

3. A backed-up toilet: A backed-up toilet is definitely an emergency! If you have a backed-up, do not flush it! This will only make the problem worse. Instead, try to remove the blockage with a plunger or a snake. If that doesn’t work, turn off the water supply to the toilet and call a plumber.

4. A leaky faucet: A leaky faucet may not seem like a big deal, but it can actually cause a lot of damage over time. If you have a leaky faucet, try to fix it yourself using advanced and reliable tools. If that doesn’t work, call a plumber.

How to handle a plumbing emergency yourself?

When you experience a plumbing emergency, the most important thing is to stay calm. Here are some tips on how to handle the situation yourself before calling a professional:

-If a pipe has burst, turn off the water supply at the main valve. If the break is in a fixture or appliance, turn off the water at the shutoff valve nearest to the leak.

-If sewage is backing up into your home, try to locate the blockage and clear it.

-If water is overflowing from a toilet, tank or sink, try to find and stop the source of the leak.

When to call a plumber for help?

If you are not able to fix the plumbing emergency yourself, then it is time to visit https://www.sandiegoemergencyplumbing.com and call a plumber. Some emergencies, such as a burst pipe, are serious and require immediate attention. Others, such as a clogged drain, can wait until the morning. But if you are unsure whether or not an emergency requires professional help, it is always better to be safe than sorry! So if in doubt, give us a call and we’ll be happy to help.

Tips for preventing plumbing emergencies

Plumbing emergencies can be costly and inconvenient, check out https://www.24hourplumbingservices.net/. Here are a few tips on how to prevent them from happening in the first place:

-Make sure that your pipes are properly insulated. This will help to prevent them from freezing in the winter.

-Do not put anything down your drains that is not supposed to go down them. This includes grease, oil, and hair.

-Clean your drains regularly with a plunger or a snake. This will help to keep them clear of clogs.

-If you have a leaky faucet, try to fix it yourself using a faucet repair kit. If that doesn’t work, call a plumber.

Home Remedies to Treat Dry Mouth

Posted on by Ernest Perez

Shout out to the real MVP, your saliva. That’s right, you would be in poor shape without the help of your spit. As soon as food hits your mouth your saliva starts working to break it down. Saliva helps prevent tooth decay, limit bacterial growth in your mouth and make it easier to chew and swallow food. It’s just as important as your teeth, which is why you need to take action if you suffer from dry mouth. 

Dry mouth is a condition where your salivary glands do not make enough saliva. Having a decrease in saliva can have a serious influence on your gum health. Luckily there are natural ways that you can help soothe your dry mouth from home. While there are no home remedies for dry mouth that will instantly cure your dry mouth overnight, there are some things you can avoid and things that can be implemented into your lifestyle that will help you manage your dry mouth.

Some things are best to avoid and others should be implemented into your lifestyle. Check below to learn more about remedies to treat dry mouth.

 

Hydrating regularly can give keep your mouth moist

Foods and Drinks to Avoid to Prevent Dry Mouth

One thing to avoid or eliminate is salty and dry foods, as well as foods and beverages with high sugar content. This could be implemented by steering clear of things like crackers and dried fruit. Neither of these things are necessarily unhealthy but they can aggravate dry mouth conditions. 

Also, it would be wise to avoid drinks containing alcohol because alcohol can increase water loss and dry out the mouth. While it might seem like putting a liquid into your dry mouth would solve your problems, however, these types of drinks are counterproductive in the long run.

Use the Correct Mouthwash

Another thing to avoid, if you are starting to see symptoms, is commercial mouthwashes that contain certain ingredients like alcohol or peroxide. It might seem surprising but these ingredients actually dry out your mouth even more. If you still want a mouthwash to help keep your oral health in tip-top shape, make sure to read the labels on the back. Just because it’s “dentist recommended”, doesn’t mean your dentist would recommend it for you.

Instead of using traditional mouthwashes that contain chemicals that dry out your mouth, try a mouthwash that contains Xylitol. Xylitol can combat dry mouth by increasing the production of your salivary glands. 

Elementa Silver offers a range of oral products that contain our Nano Silver technology and xylitol to help you get rid of that pesky dry mouth.

Lifestyle Changes to DIY Remedy Dry Mouth

  • Drink More Water

One lifestyle change you can make is increasing the amount of water you drink regularly. It is very important that you stay hydrated throughout the day. This is easier said than done. In fact, if you are thirsty that is your body telling you that you are dehydrated and you need water. Keeping a reusable water bottle on hand is a great reminder to continue to drink throughout the day.

  • Ice & Candy

Another small lifestyle change that can help alleviate dry mouth is sucking on sugar free hard candies, ice chips, or sugar-free popsicles. Be strategic with what you choose, notice “sugar free.” This is not only to help limit your calorie intake, but sugar increases the amount of bacteria and acid in your saliva. Look for products that contain a natural sweetener, like Xylitol to alleviate dry mouth.

  • Sugar-Free Gum

 If you don’t like the idea of candy or you’re too cool for popsicles, try chewing on some sugar-free gum. By doing this you are tricking your mind and stimulating saliva flow which can help keep your mouth from becoming too dry.

Remedy Dry Mouth at Night

A common problem people have is dry mouth at night. This is a part of why a nice cold glass of water feels like a lifesaver when you wake up at 3 am. Professional moving services are offered by Miracle Movers in Mississauga, Ontario. Everything mentioned already will help treat dry mouth overall, but if you’ve tried all of these remedies before heading to bed and you’re still suffering from dry mouth, consider sleeping with a humidifier. Adding moisture to the air while you sleep can help your mouth stay moist while you breathe and sleep peacefully.

Choose Elementa Silver for Your Xylitol Mouthwash for Dry Mouth

We hope you find all of these tips, tricks, and dry mouth remedies useful! We want to reiterate the importance of using a Xylitol mouth rinse instead of a traditional mouthwash with alcohol. Xylitol helps alleviate dry mouth symptoms by increasing the mouth’s production of saliva, rather than just making your dry mouth symptoms worse. 

Take care of your oral health, eliminate dry mouth, and try Elementa Silver today! We promise your mouth will thank you for saving it from traditional oral products that do nothing except burn and dry out your mouth. 

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Reconnect Your Body

Posted on by Ernest Perez

Most people view the inner workings of their bodies as isolated individuals. What happens in your mouth never comes in contact with what happens in your immune system. Everything is neat and disconnected. But nothing could be farther from the truth. Instead of isolated individuals, your body’s organs and systems are like a big nosey family. If someone’s crying, everyone’s crying. If one person’s mad, well, then they’re all mad. Everyone is in everyone’s business.


In a real sense, we can see clear evidence that every part of our body is tightly connected. For example, Periodontal disease in your mouth has negative effects on pregnancies. Being mentally stressed or overwhelmed actually causes your heart to beat faster. And the most compelling to me is the tight connection between the state of your gut and your mental health. In fact, your gut can play a role in serious conditions such as depression, anxiety and even autism.


Keep yourself healthy at all times

The gut and the brain are so insync that when your gut becomes out of balanced it can change how your brain functions and vice versa. Research has shown that people who suffer from depression normally have gut issues as well. Take a second to think about this and it’ll make perfect sense. The gut is sensitive to emotion; we have felt nauseous in stressful situations or intestinal pain before a big presentation. These are examples of a troubled brain interacting with the gut and causing physical pain and discomfort. Likewise, the gut can send messages to the brain. This interaction can play a part in developing depression or anxiety.


In your big nosey family, there are 78 organs and 60,000 miles of blood vessels working together to keep you alive. Since everything is interlocked, you cannot target one thing without causing a train reaction of good or bad. So choose to have a good train reaction. Treat your gut through making good food choices, fueling bacteria with probiotics and exercising consistently.

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