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The Cost of Waiting....
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Posted: 01 Jul 2014 04:00 AM PDT
Whether you are a first time buyer or a move-up buyer, you should look at the projections housing experts are making in two major areas: home prices and mortgage rates.
PRICES -Over 100 economists, real estate experts and investment & market strategists wererecently surveyed. They were asked to project where home prices were headed. The average value appreciation projected over the next twelve month period was approximately 4%.MORTGAGE INTEREST RATES -In their last Economic & Housing Market Outlook, Freddie Mac predicted that 30 year fixed mortgage rates would be 4.8% by this time next year. As of last week, the Freddie Mac rate was 4.14%.What does this mean to you? -If you are a first time buyer currently looking at a home priced at $250,000, this is what it could cost you on a monthly basis if you wait to buy next year: |
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Friday, November 8, 2013
Who owns which cosmetic companies?
I prefer to shop companies that are cruelty free and was searching the NAVS website for "Fresh" and nothing came up which lead me to wonder who owns Fresh and found this blog that shows some of the major companies and their subsidiaries. I use Aubrey organics which is cruelty free, organic and vegan. I've purchased Fresh products in the past and am buying as a gift, had thought it didn't do animal testing and found that its status has changed to "tester" because of their China distribution. Go to NAVS website for details.
-Reblog from The Beauty Journal blog by Michelle Cuix:
-Reblog from The Beauty Journal blog by Michelle Cuix:
- Estée Lauder owns: Aramis, Aveda, Clinique, Bobbi Brown, M.A.C, Origins, Jo Malone, La Mer, Tommy Hilfiger fragrances, Bumble + bumble, American Beauty, Flirt, Good Skin, Grassroots, Michael Kors Beauty, Darphin, Ojon, and Donna Karan Cosmetics.
- L’Oreal owns: Maybelline New York, Garnier, Lancôme, Helena Rubinstein, BioMedic, Vichy, Biotherm, Shu Uemura, Kiehl’s, Soft Sheen-Carson, Redken, Matrix, Kerastase, Giorgio Armani, Inneov, Sanoflore, CCB Paris, Dermablend, The Body Shop, Skinceuticals, Ralph Lauren, La-Roche-Posay, and Yves Saint Laurent.
- Procter & Gamble owns: Cover Girl, Max Factor, Anna Sui, Olay, DDF, Aussie, Camay, Clairol, Head & Shoulders, Herbal Essences, Ivory, Infusium-23, Pantene, Fredric Fekkai, Gillette, Noxzema, SK-II, and Zest.
- Johnson & Johnson owns: Neutrogena, Aveeno, Clean & Clear, RoC, Rogaine, Lubriderm, Purpose, and Ambi.
- Beiersdorf owns: Nivea, La Prairie, Eucerin, and Juvena
- Unilever owns: Dove, Pond’s, Vaseline, and Sunsilk
- Louis Vuitton-Moet Hennessy (LVMH) owns: Dior, Guerlain, Givenchy, Benefit, Fresh, Make Up For Ever, and Sephora’s namesake line.
- Shiseido owns: Cle de Peau (CDP), Dicila, Ipsa, Ettusais, Carita, Decleor, Ayura, Asplir, DeLuxe, Selfit, Whitia, Pure & Mild, Kesho Wakusei, Yuxia, 5S, NARS, Maquillage, Aupres, JS, Za, UNO, Jean Paul Gaultier cosmetics, and Issey Miyak.
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