Lip Piercings 101

Madonna

Named after the musical icon, the Madonna piercing is placed on the right side of the face just above the upper lip. The exact location of Madonna’s own mole.

Monroe

There’s no more iconic beauty mark than Marilyn Monroe’s. The Monroe piercing is in homage to that. It is placed on the left side of the face just above the top lip, exactly where Marilyn’s beauty mark was.

Labret

While considered a lip piercing, with a labret the lip isn’t technically pierced. The labret is right below the bottom lip above the chin.

Medusa

The medusa piercing is placed in that little dip on the top of your lip below the nose. Placement is important here, as you don’t want to throw off the symmetry of your face. So find a good piercer.

Vertical Labret

A vertical labret has two holes. One is in the same place as a regular labret, with the second hole coming out of the middle of the bottom lip.

Jestrum

Jestrum piercings, also known as vertical medusas, are placed in the dip above the upper lip with the other end coming out the underside of the upper lip.

Spider Bites

Spider bite piercings are a pair of piercings close together. They are placed either on the top or bottom lip. Getting two piercings so close together at the same time can be painful, so you’ve been warned.

Angel Bites

Angel bite piercings are two evenly separated piercings on the upper lip. Think of them as a combination of Monroe and Madonna piercings. Snake bite piercings are the opposite of this.

Cyber Bites

Cyber bite piercings are a combination of medusa and labret. One hole is placed in the center just above the top lip with the other hole in the center just below the bottom lip.

Dolphin Bites

Dolphin bite piercings are two piercings centered on the lower lip close together. They are similar to snake bite piercings only closer in distance.

Dahlia Bites

Dahlia piercings are done at the corner of the mouth. You can get them done in pairs or only one done. They can be rings but studs are more popular.

Canine Bites

Canine bites are a combination of angel bites and snake bite piercings. Two piercings are placed above the upper lip with a distance between them, with two more placed even spaced below the bottom lip. This makes a total of four piercings.

Snake Bites

Snake bites consist of two piercings evenly spaced on the lower lip. This piercing can be done with either rings or stud.

Shark Bites

Shark bites are two close together piercings on either side of the bottom lip. This is four piercings total. It is essentially double spider bites.

Horizontal Lip

Horizontal lip piercings involve putting a horizontal barbell through the center of the bottom lip.

Ashley

The Ashley piercing is one of the most popular piercings. It is a single piercing placed in the center of the bottom lip. It is still a fairly new piercing so be sure to get it done by a professional.

Reasons Your Money Is Better Off With a Credit Union

Today’s consumers have a full range of options when choosing products and services. And a shrewd shopper considers their choices and weighs their options in order to obtain the best product for their specific requirements.

Unfortunately, its obvious many consumers do not always do their research when it comes to where they keep their hard earned money. There are many banking options but research tells us that over 65 percent of consumers would not switch banks even if they had a negative experience or life change.

If you are currently banking with one of the “big banks” and are not happy with their services there are numerous reasons to consider banking with a credit union. If you’re not quite convinced they can be the right path for your finances, here’s a breakdown of the benefits of banking with a credit union.

Personalized Customer service

Because credit unions are banks for the people by the people and have smaller memberships than the typical larger institutions, you are able to get customized personal service. It’s much more of an intimate relationship than you would have at a traditional bank. The credit union employees actually know you and are invested in your success as a member. That’s because their focus is on making every consumer interaction a personal one, void of lines, long phone waits, and canned responses.

Accessibility

Since they serve their local communities, most of the time branches are not available outside of their service area. To make up for that they sometimes reimburse members for ATM fees or offer a shared ATM network if members have to go out of network to have access to their money.

Structure

Credit unions are owned and operated by their members. The minute you make your first deposit, you will have voting rights.

Lower Account Fees

They also have fewer fees across the board because they have lower overhead costs. Because they are typically smaller operations than big banks they can pass their overhead savings on to their members. According to Bankrate.com more than 75% of credit unions offer free checking, compared to 40% of banks. And many don’t stop there. They even pay members rewards in the form of high interest or dividends, cash back, and other perks, like ATM fee refunds.

Monthly maintenance fees are lower and members don’t have to keep as high a balance in the accounts to escape these fees.

Serving the Underserved

Credit Unions serve those that are usually locked out of the traditional banking system. This covers the large number of immigrants in communities that would otherwise not have access to necessary financial services.

Supporting the local community

The money that is deposited in your local credit union supports its members and the local community. They channel funds back into the local economy in the form of loans in support of small business, home purchase and loans that help members accomplish their financial goals.

Interest Rates

They offer higher-yield savings and checking account rates. Good luck finding an interest-yielding bank account at a megabank. They yield next to nothing for their account holders.

No scams:

Employees aren’t pressured to meet unreasonable sales goals. So rest easy, no one is going to open a secret account behind your back.

Federally Insured

Your money is no more safe at a big bank than it is at a local credit union. Just like the FDIC at a traditional bank, deposits up to $250,000 at a credit union are insured by NCUA – a federally backed agency.

First-name basis:

They take time to know their members. You’ll be a name, not just an account number.

Technologically Advanced

Credit Union’s have come a long way from their once obsolete style of banking. Today, the technology used at a credit union is just as advanced as a megabank. They have online banking options that feature mobile check deposit, smart chip cards, mobile apps, online bill pay, e-statements and more.

If you’re looking to move your money from a traditional bank to a credit union, what’s holding you back? I would encourage everyone to research their local credit union to see what they can offer. If nothing else, it’s worth opening a checking or savings account. You’ll pay less in fees and get more personalized service.

How to Use Your Credit Card Smartly?

Gone are the days when only a handful of people used these Cards. The present scenario narrates a different story and every individual today swipes his or her Credit Cards for making purchases. Executing transactions through these cards have become a common affair. Take a look around, and you will come across innumerable people swiping their respective cards. It’s here that individuals consider the positive impacts of using these cards.

Possibilities of rewards

When it boils down to making effective financial transactions, Credit Cards play a crucial role. This particular mode of payment can be useful, effective, and rewarding if the users know the art of using it. Try utilizing your card smartly, thus reaping the maximum benefit out of it. Here are some tips to help you out:

Tips to make the most of these Cards

If you are wondering about how to use your credit card, following the effective and smart tips will surely help you out. Seeking professional assistance will be the best thing to do, as that will help you spend smartly and earn more. Always try to strategize your expenses and spending behavior for smarter and better transactions. If you wish to make the most of your transactions, these suggestions can be useful:

1. Higher Credit Limits

While accepting Cards from a bank, you must check the credit and spending limits. Always look for highest limits, as that will help you emerge as qualified creditors. You will not only gain the flexibility to plan high-priced purchases but also get the opportunity to prove your credit worthiness.

2. Paying bills on time

Overdue amounts and card bills can affect your credit score negatively. If you fail to pay the overdue amount within stipulated periods, make sure you have adequate finances to pay off the pending amounts. It’s highly imperative to pay overdue on time, as that is the key to getting qualified for higher credits.

3. Understand rewards

Most of the individuals receive special gifts on their cards. However, they fail to understand the ways to use them. You should comprehend the clauses, understand them, and then redeem special discounts. Every Card owner must know his credit limits as that will give him the freedom to pay.

4. Clear, complete overdue amounts

At times, you might come across an option where minimum overdue can be paid. Steer clear of choosing such options as that won’t help you in any way. Try clearing the complete bill without keeping any pending amount. Minimum payments can lead to exorbitant interest rates on the remaining amounts.

5. Ensure complete security

Always keep your cards in secured places and make sure it is safe. The details related to the Card should be open to you and not to anybody else. Sharing such crucial details will pave the path for fraudulent practices. Be crystal clear about the usage of your card and keep it secure. That’s the key towards making authentic transactions.