Problem: Article: Take a medium sized bowl and fill it approximately 4 inches deep with warm water. Dip your hands in the water, making sure to submerge your nails and cuticles. Soak your hands for about 5 minutes. Warm water helps to soften the skin around the nail for easy and pain-free grooming. Put on cotton gloves and wear them overnight. The gloves seal in the moisturizer and help heal your nails and cuticles. Remove the gloves in the morning. If you want to improve the absorption of your moisturizer, cover it with petroleum jelly or paraffin wax to seal in the moisture. Then, put your gloves over your hands. For better, longer lasting results, repeat this procedure every night.
Summary: Soak your hands. Wear moisture locking gloves.

INPUT ARTICLE: Article: ispute inaccuracies on your credit report. As you monitor your credit report, you may notice things that don't seem right. In the event a company submits inaccurate or erroneous information to your credit report, you have the right to dispute it and have it removed from the report. Debts that have been expunged in your bankruptcy filing should not appear on your credit report as separate items, since the bankruptcy covers them. If you notice these debts on your report, you request to have them removed. Write a letter to the credit bureau with the inaccurate information that was reported, as well as why you believe it to be inaccurate. Request to have the information corrected or completely removed if it cannot be substantiated. You can find contact information for all three credit bureaus here: http://www.myfico.com/CreditEducation/Questions/Error-On-Credit-Report.aspx Avoid "credit repair" services that promise to have items removed from your credit report for a fee. No business can remove accurate items from your credit report. If you are unable to apply for a new line of credit but want to begin rebuilding your credit history, you may want to begin by applying for a cell phone. Cell phone plans provide you with a means to demonstrate your ability to make monthly payments on time and in full. Remember that if you fail to pay your cell phone bill your carrier may report that failure to your credit report. Make sure there is room for a cell phone bill in your budget before signing a contract. Secured credit cards work differently from traditional credit cards. You provide the bank with a security deposit for your line of credit. This can be your savings account or you may need to provide them with a specific deposit the bank will keep. The bank will then extend a line of credit to you for the amount you secured. In the event you fail to make a payment on your card, the bank will take the money from the deposit you provided. Secured credit cards are designed for people with bad credit that are working to improve it, so they are an excellent choice for those rebounding from bankruptcy. Making these payments must be a first priority, as making late payment or missing them entirely will further reduce your credit score. After making reliable payments on a secured credit card for a year or two, your credit may have improved enough to apply for an unsecured credit card. Some lenders may offer cards with high interest fees, but others will treat your bankruptcy as a clean slate and offer you better terms. See if you can find an unsecured card with reasonable interest rates. Banks will often charge an annual fee for the use of their cards to help the limit financial liability in the event you default on the credit card. Unlike a secured credit card, you will not be required to provide a security deposit for a high interest credit card. People who are rebounding from bankruptcy are often vulnerable to predatory lenders like payroll loans, car title lenders, and retailers that offer "rent-to-own" options. These companies offer credit to those with bad credit scores and may be tempting, but often offer extremely high interest rates that can lead to paying exorbitant prices for products or finding yourself unable to make the required payments. Predatory lenders have been known to charge interest rates as high as 625%!

SUMMARY: . Start with a cell phone plan. Apply for a secured credit card. Apply for an unsecured credit card. Avoid predatory lenders.

In one sentence, describe what the following article is about: WhatsApp is a free application which allows you to text and call internationally using data as opposed to expensive cellular voice minutes. WhatsApp with the calling feature is available for iPhones, Androids, Windows Phone, and Blackberry 10. Within the app, begin a new chat by selecting the "Chats" icon on the bottom of the screen. On the top of the chat screen, you will see the message icon, which looks like a pencil and paper. Select this icon to move to your contact list. Touch the name of the person you wish to call from the contact list to open a chat page. If you have already begun a chat with the person you are calling, select their name from your list of chats to open their chat screen. Your contact list will show who is available to be contacted using WhatsApp by listing "Available" under their name. If your contact does not use WhatsApp it will prompt you to send them a message which reads, "Hey there! I am using WhatsApp." Once you have opened the chat screen, you will see the phone icon next to the profile picture at the top of the screen. Select this icon to make a free international call using WhatsApp. The call is free because it uses internet data to place the call rather than cellular services. If you have limited data, it is best to place the call while you are connected to Wi-Fi in order to avoid using too much of the data on your cell phone plan.
Summary: Download WhatsApp from the app store on your phone. Open a chat with the person you wish to call in Ireland. Place a call from the chat screen.

In one sentence, describe what the following article is about: Some progesterone creams are available over the counter, while others require a prescription from your doctor. You should ask your pharmacist about different options, and ask for details about the differences. When applying anything to your skin, make sure to read the ingredients and make sure that you do not have any known allergies. If you decide to go with an over the counter option, you might want to try your local natural health store. Homeopathic remedies can be very successful, and you can ask the staff at a small store any questions you may have. You might receive more personalized advice than at a large chain store. While generally considered safe, progesterone can cause some unwanted side effects. Some users have reported issues such as upset stomachs and weight gain. Others have noticed depression-like or PMS-like symptoms. Remember, this cream contains hormones, so it will affect you physically. Before you start using progesterone cream, discuss your options with your doctor. Explain your concerns, and what you hope to gain from using the cream. Ask all of the questions that you have, and gain a clear understanding of what the cream can do for you.
Summary:
Research different creams. Shop around. Know the possible effects. Talk to your doctor.