#hair loss solution dallas

[healthcareservicesdallas]

Hair Loss: Causes, Treatments and Prevention Options

Hair loss Dallas, may be stressful for anybody, regardless of gender. It is not only about appearance; it may have a big impact on one’s self-esteem and confidence. If you live in Dallas and are experiencing hair loss, you are not alone. But do not worry; there are options available. Let us look at the causes, treatments, and preventative measures that are most suited to Dallas’ dynamic community.

Understanding Hair Loss

Hair loss Dallas, also known as alopecia, can occur for a variety of causes, including genetics and lifestyle factors. In Dallas, where warm weather encourages outdoor activities, sun exposure and pollution can worsen hair loss.

However, the principal causes are often as follows:

Genetics: Family history has an important impact. If your parents or grandparents have lost hair, you are likely to do the same.

Hormonal Changes: Hormonal fluctuations, such as those that occur during pregnancy, menopause, or thyroid problems, can cause hair loss.

Medical Conditions: Alopecia areata, scalp infections, and trichotillomania may cause hair loss.

Stress: Dallas’s fast-paced lifestyle can be stressful. Stress-induced hair loss is more prevalent than you may realize.

Poor Nutrition: In a city known for its Tex-Mex and BBQ, eating a well-balanced diet high in key nutrients can sometimes take a back seat.

Hair Loss Solutions in Dallas

Fortunately, Dallas has a wealth of options for treating hair loss. From innovative therapies to experienced advice, there is something for everyone. Consider the solutions below:

Consult a Hair Loss Specialist in Dallas: A visit to a hair loss specialist Dallas, such as a dermatologist who specializes in hair loss, can provide personalized information about your issue.

Consider Treatment Options: Several methods, including topical treatments and oral medications, can stimulate hair growth and prevent additional loss. Your hair loss specialist in Dallas can recommend the best course of action based on your particular needs.

Advanced therapies: In recent years, novel therapies such as platelet-rich plasma (PRP) treatment and low-level laser therapy (LLLT) have acquired popularity due to their effectiveness in stimulating hair growth. These treatments are widely available in Dallas.

Consider Hair Transplantation: Hair transplantation is a possible long-term option. Leading Dallas clinics provide modern hair restoration treatments.

Prevention Tips for Dallas Residents

It is always better to prevent than to cure. Here are some strategies to keep your hair healthy and avoid future hair loss in the dynamic metropolis of Dallas:

Protect Your Scalp: Wear hats or use sunscreen to protect your scalp from dangerous UV radiation, especially during the scorching Dallas summers.

Maintain a healthy lifestyle: Incorporate a nutritious diet that contains the vitamins and minerals necessary for hair health. Stay hydrated and limit your consumption of processed meals.

Manage Stress: To keep stress levels under control, use activities that relieve stress, like meditation or yoga.

Avoid harsh chemicals: Be aware of the products you use on your hair. Choose mild, sulfate-free shampoos and avoid heat styling.

Regular Scalp Care: Keep your scalp clean and healthy. Consider employing particular scalp treatments advised by a Dallas hair loss specialist.

When it comes to hair loss treatment Dallas, you deserve the best. At Top Notch Vitality, we know the particular issues that Dallas people encounter when dealing with hair loss. Our skilled hair loss professionals are dedicated to offering unique treatments that are tailored to your specific needs. Whether you need expert advice or innovative therapies, we can help you recover confidence in your looks.

In conclusion, don’t let hair loss prevent you from experiencing everything Dallas has to offer. Arrange a consultation with Top Notch Vitality now to take the first step toward healthier, fuller hair. Together, we’ll go on a journey to restore our hair and gain confidence.

Original Source: https://healthcareservicesdallas.wordpress.com/2024/04/10/hair-loss-causes-treatments-and-prevention-options/

[livelymed]

Unlocking the Benefits of PRP Treatment at Lively Med in Dallas

In recent years, Platelet-Rich Plasma (PRP) treatment has gained significant attention in the realm of regenerative medicine, particularly for its potential to rejuvenate skin and aid in hair restoration. If you're considering this innovative therapy, Lively Med, a leading clinic in Dallas, offers comprehensive PRP treatment services designed to help you achieve your aesthetic goals. Here’s a step-by-step guide to understanding how PRP treatment works and why Lively Med is the go-to destination for this cutting-edge procedure.

Understanding PRP Treatment

PRP treatment involves using a concentration of platelets derived from your own blood to stimulate healing and regeneration in specific areas. Platelets are rich in growth factors that can enhance the body’s natural healing processes. This treatment is popular for its minimal invasiveness and effectiveness in treating various conditions, including skin aging, hair loss, and joint pain.

Initial Consultation at Lively Med

The journey begins with an initial consultation at Lively Med. During this appointment, you will meet with one of their experienced practitioners to discuss your goals and concerns. The medical professional will assess your suitability for PRP treatment, explaining the procedure in detail, and addressing any questions you may have. This step is crucial for customizing the treatment plan to meet your specific needs.

Preparing for the Procedure

Once you decide to proceed with PRP treatment, the next step is preparation. At Lively Med, the process begins with drawing a small sample of your blood. This is a quick and straightforward procedure performed by skilled staff members. The blood is then placed in a centrifuge, which spins at high speeds to separate the platelets from other blood components.

Administering the PRP

After the separation process, the concentrated PRP is prepared for injection. Depending on your treatment area—whether it’s for facial rejuvenation, hair restoration, or another application—the PRP is carefully injected into the targeted areas. At Lively Med, the staff uses advanced techniques to ensure the injections are precise and comfortable. The procedure typically takes about 30 to 60 minutes, depending on the treatment area.

Post-Treatment Care

Following the PRP treatment, Lively Med provides detailed post-treatment instructions to ensure optimal results. You may experience some redness or minor swelling in the treated areas, which usually subsides within a few days. It's essential to follow the aftercare guidelines provided by the clinic, including avoiding strenuous activities and protecting your skin from direct sunlight.

Monitoring and Results

Results from PRP treatment at Lively Med can vary based on the individual and the condition being treated. Generally, patients begin to notice improvements within a few weeks, with continued enhancement over several months as the body’s natural healing processes take effect. Lively Med offers follow-up appointments to monitor your progress and make any necessary adjustments to your treatment plan.

Enjoying the Benefits

As your body responds to the PRP treatment in Dallas, you’ll likely enjoy smoother skin, reduced signs of aging, or improved hair growth, depending on the initial goals. Lively Med’s commitment to personalized care ensures that you receive the best possible results, helping you look and feel your best.

In summary

PRP treatment at Lively Med in Dallas provides a promising solution for various aesthetic and therapeutic needs. With a focus on patient care and advanced techniques, Lively Med stands out as a premier choice for those seeking effective PRP treatment. Whether you're aiming to rejuvenate your skin or address hair loss, their expert team is dedicated to guiding you through each step of the process, ensuring a satisfying and transformative experience.

[kylelawhon]

Advanced Hair Restoration with ARTAS in Bernardsville

Rediscover your best self with the ARTAS robotic hair restoration system at Dallas Men's Hair, a leader in men's health care services in Bernardsville. This sophisticated technology accurately harvests and transplants hair with precision, ensuring natural-looking results. Explore how the ARTAS system can make a significant difference in your life by providing a discreet and effective solution to hair loss. Visit Dallas Men's Hair to learn more about this innovative approach to restoring hair and confidence.

[bodyloungepark]

Experience the freedom of smooth, hair-free skin with laser hair removal in Dallas TX, at Body Lounge Park Cities. Our advanced laser hair reduction treatments offer a safe and effective solution to unwanted hair. Using state-of-the-art technology and a team of skilled professionals, we provide personalized laser hair removal services tailored to your unique needs.

Body Lounge Park Cities 6803 Hillcrest Ave, Dallas, TX 75205 972–803–4432

Official Website: https://www.bodyloungeparkcities.com/ Google Plus Listing: https://www.google.com/maps?cid=1762804419657996084

Other Links

laser hair removal in dallas tx : https://www.bodyloungeparkcities.com/services/aesthetics-treatments/laser-hair-reduction/ medical weight loss : https://www.bodyloungeparkcities.com/services/wellness-treatments/medical-weightloss/ vaginal rejuvenation : https://www.bodyloungeparkcities.com/vaginal-rejuvenation/ body sculpting : https://www.bodyloungeparkcities.com/services/aesthetics-treatments/body-contouring/ skin tightening : https://www.bodyloungeparkcities.com/services/aesthetics-treatments/skin-rejuvenation-re-surfacing/tightening/ sports medicine : https://www.bodyloungeparkcities.com/services/wellness-treatments/sports-medicine-chiropractic/ IV therapy : https://www.bodyloungeparkcities.com/vitamin-iv-therapy-injections/ hormone therapy dallas : https://www.bodyloungeparkcities.com/services/aesthetics-treatments/biote-hormone-therapy/ pdo lifting : https://www.bodyloungeparkcities.com/services/aesthetics-treatments/pdo-lifting-threads/

Other Service We Provide:

Sports Medicine & Chiropractic Aesthetic Injectables Laser Hair Removal Skin Tightening / Rejuvenation Body Treatments / Body Sculpting Female Rejuvenation Non-Surgical Buttlift Sculptra Facelift WiQo Rejuvenation Hormone Therapy Services Bioidentical Hormone Replacement Therapy IV Drips & Vitamin Injections Infrared Sauna Red Light Therapy Sexual Wellness Massage Therapy Normatec Compression Recovery / Sleep Pods

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[zoyag-com]

Hairdreams microline toppers

Dallas Hair Loss Solutions | Microline hair integration toppers | Hairdreams microline toppers | Zoyag; Whether you’re suffering from temporary hair loss, trichotillomania, or a medical or hereditary condition, we offer a hair loss solution to make you love your hair again.

[evejenny]

By creating 100% customized non-invasive, semi-permanent hair grafts for men suffering from the devastating effects of hair loss, we offer our clients the completely natural look and feel of actual growing hair in whatever style and color they desire. At HRI, we offer all tested and proven men’s hair loss solutions, for more details visit Hair Restoration Institute of DFW in Texas.

[spasarnia]

Eight Common Spas as well as the Services

 They OfferThere are an entire host of distinct spas now available throughout the Dallas/Fort Worth area to the public at large. The Dallas/Fort Well worth area is fairly large, one of typically the biggest metros throughout the U. S. As Dallasites we are going to often bombarded along with advertising from advertisements, to radio ads, to even trollies in Uptown! One particular common activity involving the well-to-do crowd Dallas is identified for, is always to search for spas for a variety of solutions. We try this regarding a variety involving reasons: workout, in order to get beautiful, to eliminate unsightly hair, to remove wrinkles, to seem younger,spa Sarnia�� to clean, and rejuvenate to name only a really few. This stated, how do you keep track of what kinds of spas happen to be available, the ones present which services, plus consequently, which gyms you would end up being most benefited by seeking confer with? Under, we review typically the most popular varieties of spas accessible to you, just what their common companies are, and exactly why they could be the ideal choice for your particular needs. 1. Wellness Spas: Wellness spas focus in holistic care, not just giving the assistance to the people while they are usually there, but additionally educating them how to dispense this inner curing on their personal. Common sessions contain summary of yoga in addition to the mind/body network, maximum health, and avoidance of disease. Many of these are in Uptown, close to Mckinney, or Downtown Dallas. Look regarding ads inside the Observer, Envy, or Document City. Should you be in Fort Worth, pick up the Fort Worth Weekly. 2 . not Medical Spas: Healthcare Spas offer a various medical services provided by doctors- which consist of hair laser removal, acne treatments, chemical facials, botox comestic injection injections, and other relevant services. There are many billboards featuring several types of spas alongside Central Expressway inside Dallas. Laser hair removal and Botox comestic injection are two of typically the most used solutions in DFW associated with all the health spas combined. 3. Day Spas: Day spas happen to be seen as a the span of treatment and can connect with several different types of spas offering different services-though often compared to not- every day health spa will refer to one particular that is with regard to the purposes involving pampering. A number of these exist between Dallas in addition to Fort Worth, along I-30 west. I am just sure this is usually to enable them to be noticed from the freeway. 4. Stay Spas or Spa Accommodations: Stay spas or spa resorts consider the types associated with spas where you can keep overnight. The resorts is a part of the hot tub experience, and the spas can vary in the types and character of services provided there. Common stay spas include weight reduction spas, health spas, and rehab doctor offices as stated in this specific articles. The Gaylord Texan in Grapevine has a resort type spa well-known for those browsing Texas. 5. Pamper Spas: Pamper health spas are most likely the just about all common spas generally there are-the ones you may recognize in movies or other multimedia outlets. Pamper gyms do just that-offer their clients a wide range of pampering services and products to make certain that they feel as relaxed and relaxed while possible. Common service include: decadent meals, facials, massages, etc . Some spas specialize in these services, but many have them along with their additional main services. six. Health Spas: Wellness spas-though easily baffled with wellness spas-center on a well being experience that will be holistic and comprehensive-including exercise, healthy food items, meditation, as well as other well being practice. Some may possibly even call this kind of a gym. There are numerous hundred gyms and workout facilities inside the DFW area. 7. Weight Loss Spas: Weight loss spas are typically stay health spas as they require a commitment to the particular weight loss services provided there over an extended period of time-whether it be intended for a weekend or even a week. These clinics focus on supplying exercise and meals regimens that advertise weight loss in the healthy, detoxifying fashion. They may likewise specialize in human body wraps. Again, appear in the neighborhood publications such as G Magazine, or the particular Observer. 8. Treatment Spas: Another variety of spa is really a rehab spa-common to be able to celebrities-which is seen as an offering a refuge through a variety of stressors and addictions. This sort of spa is a stay day spa which incorporates a sense of escape, while in addition ensuring that just positive influences usually are present, while unfavorable ones-such as harmful habits, stress, over work, etc-are not a part of the environment. These eight sorts of spas fairly much encompass the primary offerings of Dallas/Fort Worth, Texas. We are going to not all just cowboy hats in addition to BBQ. Take the break and take pleasure in what this metropolis can give. Business Name: Glass and Pillar Spa Phone Number: 519-337-9998

[myhockeyworld87]

Choices - Tyler Seguin/Jamie Benn - Part 14

Word Count: 2047

POV: Reader

Warnings: Language

Notes: Sorry for the long hiatus on this one. I decided to post it early. It was totally going to be a smutty chapter, but then this girl was reading over my shoulder on the plane, and man was that awkward. So it ended up being PG, and not quite where I wanted it to go, but I see all of these choices going someplace in the story. Happy Reading Everyone!!

How the hell had you gotten yourself in this situation? Well, you knew how; you were in love with two men. And now one of those men wanted to know that you were choosing him. The truth of the matter was you didn’t know, and you owed it to Tyler to tell him that much. “Ty, I don’t know.”

“What do you mean you don’t know? Like you don’t know when cause I get that it’s going to depend on when Jamie is better.” There was a hurt look on his face and you had a feeling what you were going to say next would only make it worse.

“No, that’s not it. I just…I love both of you.” While Jamie and Tyler were best friends, they were as opposite as night and day. You knew all this though. You’d hashed it out in your brain before the accident and you’d chosen Tyler, but then Jamie got hurt, and you found out about Kathleen. It seemed like you were back to square one again. 

“Jesus, (Y/N), I love you. What more can I do to prove that?” His voice raised slightly and you shushed him, so he wouldn’t wake up Jamie. He raked a hand through his curls; you could tell he was trying to think of something to make you choose him. 

You stopped him from saying anything. “In a perfect world Ty, we never would’ve broken up; and I wouldn’t have met Jamie and fallen in love with him as well. But our lives didn’t work like that. I’m sorry, I wish I had some better explanation.”

“So, what am I supposed to do, just give you up? Because I don’t know if I can do that; at least not without a fight.”

“I don’t have any answers, Ty. I wish I did.” It would definitely solve your problems if you knew who you wanted, but if this afternoon was any indication of where your heart was; it was safe to say it was all over the place. “And Jamie having amnesia isn’t making the situation easier.” His memory loss had drawn you back to a time when it was just the two of you and how much in love you were. 

“No, no it’s not.” At least he understood how difficult this was. He threw his head back, looking up to the ceiling for guidance; part of you hoped he’d find it. “What if we like…went out on a date?”

“How exactly am I supposed to do that with Jamie, barely able to walk?”

“Hear me out.” You crossed your arms over your chest, part in irritation and part listening. “I’ll get one of the guys to stay with him for a few hours one night. We can go out to dinner, just like old times.”

While it sounded nice and normal; you weren’t sure how that was supposed to help your heart make a decision between the two. “And what am I just going to go out with Jamie too?”

“I mean…well obviously not right this moment, but then you’re practically living here. If anything, I’m getting the short end of the stick here, since he’s with you constantly.” 

“So, let me get this straight. Essentially, you want me to date both of you?”

“Well…that’s not how I’d put it, but yeah. I mean we could plan out dates a couple times a week. I mean you’ve got to give me a fair shot at this.” He had a point, there was no way you’d be able to make a fair decision if you were only with Jamie the entire time. “Hopefully Jamie will get his memory back soon, and then I guess…you could just date both of us. That is until you decide you want to be with me.” A cocky grin graced his features. You always did love his confidence.

It wasn’t a perfect solution, not by any means, but at least it was a start. “I’m not saying it’s a terrible idea, but I’m not sure how fair this idea actually is.”

“How is it not? Jamie has you every day, all day. I just get you for a few hours, for what maybe twice a week. And that’s if I’m not on the road.”

“But I know you, Ty. I know you’ll plan some elaborate date, to try and sweep me off my feet.” He had done it in the past and of course, you’d fallen head of heels for him. “Jamie won’t even know that he’s competing so to speak.”

“Ok, so what, I’m not allowed to take you on a helicopter ride around the city? Sound fair?”

You had a feeling that a flight around Dallas would be the least of your worries with him. He’d probably try to whisk you away somewhere you’d never heard of. “It sounds like a deal.” Then to emphasize you added. “Nothing over the top.”

“Deal.” He held out his hand for the two of you to shake. When you gave him yours, he took the opportunity to pull you in close to his body. Your left hand immediately bracing yourself against his chest. “I think this calls for more than just a handshake.” His free hand cupped your cheek, as his lips drew near to yours. You closed your eyes in anticipation of the kiss, wanting to feel his mouth on yours again. 

“Sweetheart,” Jamie’s voice was like a bucket of ice water being thrown on you. You pushed off of Tyler so quickly; it took him a moment to steady himself. “Babe, where are you?” Shooting out of the mudroom, you ran into the kitchen hoping he would believe you’d been there the entire time. 

“I’m in the kitchen Jame. I’ll be right there.” Taking a moment to collect yourself, you stole one last glance at Tyler; who looked extremely frustrated with the whole situation. Smoothing your hair back and straightening your clothes, you headed into the master suite to check on Jamie. He was sitting on the edge of the bed, struggling to try and grab his crutches. “Here let me get them.” Grabbing them, you quickly moved to his side, helping him up. “Do you need anything? I can get it for you.”

“No, I just wanted to get up and move around a bit.” Shit, had he been awake; had he heard you and Tyler speaking. “I feel like I’ve been in a bed forever, though if you want to join me now, I’ll not argue.”

A blush stained your cheeks, there was no way you were going to do that, after everything that had just happened with Tyler, not thirty minutes ago. “We still have company.” Hopefully, he’d take that as an acceptable form of rejection.

“Oh, Tyler’s still here?”

“Someone say my name?” Tyler popped his head into the room.

“Yeah, I didn’t realize you were still here. You know you don’t need to babysit me, that’s why (Y/N)’s here.”    

“I was just keeping (Y/N) company,” Tyler added as if that would explain why he stayed. Glancing at your watch you noticed that it had been a little over an hour and a half since Jamie had decided to rest.

“I appreciate it man, but you can totally go. I’m sure Kathleen’s probably waiting for you and I know how much the two of you enjoy your...well let’s just call it alone time.” Tyler's face filled with anger at the mention of Kathleen’s name; he knew that she set you off. At the same time, he was forced to pretend that they were still together for Jamie’s sake. 

“I’m pretty sure she’s busy tonight, so you guys are just stuck with me. How about we pop in a movie or something to entertain us all.” You knew he didn’t want to leave the two of you alone.

“Actually, that’s a great idea. Tyler can keep you company while I get a shower and the hospital washed off of me.” It wasn’t exactly what you were hoping to wash away, but no one needed to know the rest.

Jamie agreed and you got him settled on the couch; the two of them trying to figure out what to watch. Water sprayed down on you and for the first few minutes, you just let it wash away everything that had happened over the last several days. As complex as this whole ordeal was you finally felt like you had a path on which to follow. No, it wasn’t perfect but dating both Jamie and Tyler made sense, and hopefully, it would give you the clarity you so longed for. Maybe the water was a little too warm or maybe it just felt good to have a moment alone, but you found yourself in the shower a longer than normal; but the moment you stepped out, you heard Tyler and Jamie’s raised voices. You grabbed a towel and threw it around your dripping wet body, as you ran out into the living room. 

“What is going on out here?” Both men turned towards you, mouth slightly ajar. The minute you heard them yelling, you’d assumed it was over you and your heart was racing, hoping Tyler hadn’t told Jamie anything his memory wasn’t ready to hear; yet now that you stood there in front of them you could see it was just friendly banter, as they both had a smile on their slacked faces. 

It was Jamie who recovered first. “We were just arguing over that call that was made.” Turning you saw the Bruins and the Blackhawks on the screen. An ‘Oh’ formed silently on your mouth and before you could say more, Jamie continued. “Sorry, we didn’t mean to worry you, sweetheart.”

It was that moment that you actually realized your state of undress; both men were looking at you as if they were starving and you were the last piece of meat at an all you can eat buffet. “It’s fine, I’m just gonna...” you let your voice trail off as you headed back into the bedroom to change. 

Though as you left you could hear Jamie saying; “God isn’t she beautiful. I’m so lucky she’s mine, and I can’t wait to show her tonight.” You didn’t stick around to hear Tyler’s response, but you were sure he was seething on the inside. Some of your clothes were still at Jamie’s place, so you just put on a clean pair of leggings and one of Jamie’s Star’s sweatshirts, then headed back to the living room. Both men sat there now in silence, watching the puck get shoveled back and forth between players; each of them on opposite ends of the sofa. Which left the middle open to you. It was pretty much a metaphor for your current life situation; stuck between two men that you loved. 

Jamie, patted the seat next to him for you to sit in and so you did, trying not to lean into him for the moment. Curling your feet off to the side near Tyler, you felt him tug on your foot subtly, making his presence known. The three of you continued to watch the game, the Bruins coming out on top. It was getting late, and you knew Tyler should be leaving, but you also had a feeling he didn’t want to. That’s when Jamie finally spoke up. “Well not to be a party pooper man, but I’m exhausted from the day.” 

Of course, Tyler didn’t take this as a sign to leave. Instead, he said, “Yeah you should probably get some rest man. I can stay and keep (Y/N) company for you.”

You rolled your eyes, all you really wanted to do was literally go to bed, but you didn’t see that happening any time soon.

*****************************************************************************************

Choices time. I know this one isn’t super exciting, but I ended up having to make it PG while I wrote on the plane...haha

Tell Tyler you’re tired and that you’d really like to go to bed, but assure him in private that you can’t wait for your date.

Tell Jamie that you’re really not that tired and you’d enjoy Tyler’s company.

Agree that you are tired, then head to bed with Jamie, for sleeping and anything else that may happen.

[scalpmicropigmenationsoluti-blog]

Benefits Of Scalp Micropigmentation Procedure

Hair loss can lead to negative emotions to both men and women.  Once you realize that you are losing your hair, it is reasonable to start looking for the best solution.  You can choose different kinds of processes or products that can ignite your hair growth.  Scalp micro-pigmentation is one of the best solutions for all people facing hair loss.  Scalp micro pigmentation is similar to tattooing, but it uses the latest technology.  Micro-pigmentation is ideal for people that have issues with thinning hair, baldness, receding hairline.  The micro-pigmentation procedure is best for both women and men. To know more benefits of scalp micro pigmentation, click here: https://www.gotscalp.com/locations/dallas.

Many factors lead to hair thinning or hair loss.  Some of the aspects that can lead to hair loss are like emotional and physical trauma, conditions, medications, hereditary factors as well as hormonal factors. There are many advantages of choosing micro-pigmentation procedure.  One of the benefits is that it does not offer false claims.  The market offers different products that claim to regrow your hair only to realize they do not affect.  The other advantage is that it an affordable solution.  The reason why micro pigmentation is the most affordable solution is that it offers a permanent solution so that you do not spend a lot of money on tonics and shampoos to re-grow your hair.  It is also more affordable compared to hair transplant procedures.  

The scalp micropigmentation dallas procedure is a safe method since it does not use chemicals, so there are no side effects.  The scalp micro pigmentation treatment is a quick method since it only takes few sessions for it to be complete.  On the other hand, the healing process is also quick since there are no stitches, or a dressing to change.  

The advantage of scalp micro-pigmentation is that it requires less maintenance.  The procedure does not re-grow your hair so you will not have to buy costly hair products to maintain it.  You need the procedure to look younger, hide flaws, it is practical and has a long-lasting effect.

Make sure you find the best scalp micro-pigmentation facility if you're going to achieve the best. The first consideration is to find a reputable company that is known to provide the quality services.  It is best if you request for consultation appointment first. The artist you find extensive must-have expertise in tattooing and micro-pigmentation and the risks involved.  Let the artist offer you an example of what they can do through pictures or videos.  Most artists have images on their websites.  When you visit their website ensure you understand the feedback from their previous clients so you can know what to expect from them.  Find referrals from clients who have used their services before. For more information, click here: https://www.encyclopedia.com/medicine/diseases-and-conditions/pathology/hair-loss.

[bikibikes-blog]

How much is scalp micropigmentation?

Hair Loss Dallas

Jackson Lamar SMP offers scalp micropigmentation in Dallas, TX. Discover a permanent solution for hair loss with our licensed practitioners. Perfect for scarring, thinning hair, hair loss and male/female pattern baldness. Hire Jackson Lamar SMP for 100% satisfaction with safe, instant, guaranteed results.

[contactadhe]

The second point is - there is competition and lots of it

That is why the marketing agencies Dallas study the target audience of each and every business properly and come up with the best suited and cost effective solutions. But upon a closer look, it becomes clear that all these images are mere colorful remnants of stories heard about the Wild West. This growth in businesses signifies two things. The strategy that works Paint Guns Suppliers for one business will obviously not work for another kind of business. It is a unique marketing process that helps you to create a brand identity easily and effectively. Now, it is one of the biggest metropolitans of the world with one of the best dining scenes of the globe.. The main reason behind the businesses cropping up like mushrooms in the city is that the business owners have realized that the environment in Dallas is suitable for business and conducive for gaining huge profits. You just have to identify the prospects, figure out which one is the best for you, gather the resources and start a business.

The second point is - there is competition and lots of it. The advent and popularization of internet marketing techniques have obviously made things a bit trickier for the general business owners. It would be an understatement to say that Dallas is now also one of the busiest business sectors in the country. Firstly, there are opportunities and plenty of them. A company may or may not have the necessary resources to make such a campaign successful. That is why they are increasingly seeking the help of Dallas marketing firms.What an outsider knows about Dallas seems to be restricted to the conventional images of big hair, arrogant attitude and guns. Many of them are at a complete loss regarding how to proceed with the process of setting up an effective marketing strategy.

For example - the marketing campaign used for a dairy company can hardly be expected to work properly for a wall paint company.The marketing firms Dallas understand completely that every business has a requisite of a different kind. This would definitely help in garnering a huge base of clientele and also in maintaining the already existing clients. Now, the main question here is how do you make the best of these opportunities and tackle this competition successfully. It seems like every day a new business is coming up in the city. So, it is always wise to outsource the internet marketing campaigns to other firms who have proper knowledge and required experience to make the campaign an instant hit.2 million. Gone are those days when all Dallas meant was angry cowboys on horses. Fondly known as the ;Big D; among the locals, this ;town; now houses a population of

That is where marketing becomes important. Marketing firms Dallas, sometimes also known as marketing agencies Dallas, specialize in providing customized marketing strategies to various businesses. The way you market your products and services actually sets you apart from your competitors. It is situated at the heart of second biggest state of the USA and thus has a strategic location to its advantage

[evejenny]

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Top 10 Celebrity Hair Tips & Tricks – Men’s Hair Secrets Edition

Are you looking for something new to try when it comes to hair growth? Are you wondering what hair products do men celebrities use? Or how do male celebrities have perfect hair?

We’ve got you covered with tips and tricks from 8 of the hottest celebrities, and two of the stylists who keep them looking great.

After all, who would know more about amazing hair than the people whose livelihood depends on it?

Peter Brant’s Personal Touch on Hair Products

View this post on Instagram

Fashion month at an end time to slouch

A post shared by PMB • Peter Mark Brant (@petermbrant) on Oct 3, 2017 at 2:15pm PDT

Peter Brant can afford to splurge on any hair solution he wants. After all, he’s not just a successful model and entrepreneur (he launched his own MAC collection in 2015). He’s also the son of Peter M. Brant, heir to a half-billion dollar fortune.

Despite that, Peter isn’t above DIYing it when it comes to his hair. His tip for keeping men’s hair soft? Mix a pomade with hair oil. The mixture will give you all the hold and control you need, without the crunchiness and hardness that usually comes with a cream.

Bruno Mars’ Weird Hair Secret

View this post on Instagram

Hooligans! Go to brunomars.com and check out the coffee table book with exclusive photos we put together from our performance at The World Famous @apollotheater. Here’s one of me dancing…. I like to dance……dance

A post shared by Bruno Mars (@brunomars) on Dec 11, 2017 at 1:24pm PST

Not every male celebrity finds their hair solutions in the finest salons. Some just head down to the local supermarket. Specifically, the snack aisle.

Musician Bruno Mars has truly great hair, and it’s always perfectly styled in a gravity-defying coif. He’s happy to share the secret of his success, probably because it’s such a bizarre find.

In his own words, “I call my hairstyle the Wamp and Stomp… it’s a lot of margarine, natural fruit juices and berries, and surprisingly, barbecue potato Popchips.”

All we can say to that is, it’s tough to argue with success.

Zac Efron Keeps It Simple for Great Hair

Actor and undeniably handsome man Zac Efron achieves his signature “bed head” look the natural way. In other words, he literally sleeps on it. According to the Neighbors star, all he does is shower at night, towel his hair off a little bit, and go to bed. In the morning, his hair is perfect.

For the rest of us, whose genes aren’t quite so perfect, a good hair growth vitamin regimen should do wonders.

Eli Roth’s Tried and True Hair Routine

Actor, director, and producer Eli Roth isn’t just known for classic splatter fests like Hostel and his memorable turn as Donny Donowitz in Inglourious Basterds. He’s also famous for his truly excellent head of hair, often styled into a beautiful, spiky mess.

How does he do it? Turns out it’s just good old Tancho brand pomade, available online or from any good salon. Sometimes, the old ways are best.

Justin Timberlake Says Don’t Even Bother

View this post on Instagram

Yes, we went there… #SB51 @drinkbai

A post shared by Justin Timberlake (@justintimberlake) on Jan 26, 2017 at 9:08am PST

Speaking of Justin, he doesn’t quite agree with his own hair stylist. Back in 2009, he told Allure magazine that the secret to his fantastic hair was to skip washing it altogether.

“My secret for my hair,” he said. “Is that I don’t wash it. I shampoo it once every ten days or so. It’s more manageable with the natural oil.”

Plenty of hair experts agree that shampooing every day strips out too much of our hair’s natural oil, but not many would go so far as to say to wash it less than once a week. Of course, Justin’s rocking a buzz cut these days, but he still pulls off the longer style when he needs to.

A D&G Model’s Go-To Hair Regimen

View this post on Instagram

BTS from the January cover and story for @gio_magazine with @johnrussophoto. Featuring the truly stunning @jaguar classic E type. #etype #jag

A post shared by David Gandy (@davidgandy_official) on Dec 3, 2017 at 3:20am PST

Male model David Gandy rose to fame when he became the spokesmodel for Dolce & Gabbana’s Light Blue fragrance. Since then, he’s signed with Autograph, cementing his place at the top of male modelling. Gandy’s face, body, and especially his hair have graced hundreds of TV and magazine ads.

He keeps his hair looking great with a simple over-the-counter product, available at any good department store. Aveda Control Paste give his hair a good hold, helping him create the look that has made countless women swoon.

Aveda is a little pricey, but as he says, “My biggest grooming mistake was using cheap hair products. They make my hair look awful and even affect my scalp and forehead.”

The Hair Growth Secret Matthew McConaughey Swears By

Oscar-winning actor Matthew McConaughey is no stranger to hair growth products. He went through a slew of them in the last several years.

Never a shy one, the Dallas Buyers Club star has been upfront and open about his hair loss journey. After trying everything from vitamins to Rogaine, and even exploring surgical options, he landed on a topical treatment called Regenix. The stuff works for him, and he’s been a passionate advocate ever since.

It’s inspiring to see a Hollywood leading man go through the same struggles as us regular folks. If you found a hair growth solution that worked, and had the opportunity to spread the good news on Live with Kelly, wouldn’t you jump at the chance?

Hair Growth Tip from a Male Celebrity Stylist

Thom Priano is one of the most successful and well-known stylists for male celebrities. His clients include leading men like Brad Pitt, Keanu Reeves, and the late, great David Bowie. In a candid interview with Beauty News NYC, he addressed the reality of hair loss, and the tactics he takes to fight it. The truth is, every man faces thinning or balding hair at some point in their life. It doesn’t matter if you’re a movie star or a platinum musician.

His answer? The classic: Rogaine. Today, he’s a spokesperson for the men’s hair growth solution, using it himself and recommending it to his celebrity clients. Although Rogaine doesn’t work for everyone, and Thom is clear about that, he believes that it’s still the best option for most people.

What About Hair Transplants?

View this post on Instagram

Some girls get there boobs done some guys get abb implants all to make them happy! This was the one thing I did and I couldn't be happier thank u dr G!!!!

A post shared by AJ McLean (@aj_mclean) on Mar 30, 2013 at 7:17pm PDT

Surgery is a last resort for some. Hair transplants are safe, but not always effective. Most doctors agree that the procedure’s benefits top out at about 35%. In other words, it’s enough to stave off baldness if you catch it early. Not enough to put a full head of hair back on a bald scalp.

For some male celebrities, though, it’s magical. Former Backstreet Boy AJ McLean proudly showed off the results of his hair transplant on Instagram. And who wouldn’t be proud of this? After the hair transplant, he’s straight back to Heartthrob City.

As he says, “This was the one thing I did and I couldn’t be happier!”.

Find Your Hair Growth Solution

The lesson here is that every man, celebrity or not, needs to find their own answers for hair growth and styling. What works for some might not work for others. We hope that by looking at these ten people who have found success through a variety of means, you might find a way to keep your own hair looking great for years to come.

Maybe even with barbecue Popchips.

The post Top 10 Celebrity Hair Tips & Tricks – Men’s Hair Secrets Edition appeared first on Sandra's Blog.

source https://www.floeyeliner.com/health-beauty/top-10-celebrity-hair-growth-secrets-mens-edition/

[davidrmcqueen1985-blog]

Financial Samurai 2019 Economic Outlook And Personal Goals

Happy 2019 everyone!

With my 2018 finishing with 3.8 4.0 out of 5.0 stars, I've thought long and hard about how I can make 2019 better. I've found a solution.

My 2019 theme is: live the good life. If you live the good life, how can life not be better?

Some people like to tighten their belts during economic uncertainty. I used to be one of those people in 2008-2009. But after a raging bull market since 2009, I feel it's OK for my family to start spending more on life instead of letting our investments piss away our wealth.

Besides, if panic increases, there will be lots of things going on sale. Let's first discuss my outlook for 2019 and then I'll go over my goals.

Financial Samurai 2019 Outlook

Things are uncertain, to say the least. From policy errors by the Federal Reserve to trade wars by Trump to a drastic slowdown in corporate earnings growth (20%+ down to ~7%), we are facing many headwinds in 2019.

Despite the 4Q2018 sell-off in the stock market, JP still wants to raise rates another two times in 2019 to keep inflation at 2%. There's an old saying on Wall Street: don't fight the Fed. You will get run over.

If the housing market is weakening, the stock market is correcting, and if the labor market softens given companies are now 20% less valuable on average, it's baffling why the Fed thinks inflation will accelerate in 2019.

The good news is that 4Q2018 has baked in a lot of the negatives. Valuations are now at around historical averages and expectations have been reset. And unless JP is a complete idiot for going to Princeton and Georgetown, he will probably adjust his interest rate stance if we enter full bear market territory. And let's put things in perspective, a -6.4% year for the S&P 500 is not that bad.

The question everybody needs to ask themselves is whether the equity risk premium is worth taking. If you can get a 2.45% risk-free rate of return or pay down more expensive debt (mortgage, student loans, credit cards), is it worth taking risk in equities to maybe make a potentially greater return?

My answer is no. Give me a 2.45% – 5% guaranteed return any day while the world recalibrates. The stress of trying to make perhaps a 10% return in the stock market is simply not worth the premium since there's probably an equal chance stocks will go down. The peace of mind of a risk-free return should not be under-appreciated, especially if you have more certain ways to make money.

Of course, there are no guarantees. Therefore, my plan is to keep my existing public investments just the way they are (45%/55% stocks/bonds) and use my monthly cash flow to pay down debt and invest in a 70%/30% ratio. At the very minimum, my Solo 401(k), SEP IRA, and son's 529 plan will all be maxed out. If the S&P 500 gets back to 2,800+, I will be aggressively selling down more stocks.

I'm in the “low interest rates for life” camp. Once again, I don't see the 10-year bond yield finishing over 3% in 2019. This is a risky call since the 10-year bond yield is not far away at 2.75%, and reached as high as 3.2% in 2018. But this call simply means the yield curve will continue to flatten as the Fed stubbornly continues to raise rates, leading to a recession by 2020.

Given it takes 2-5 years for real estate cycles to play out, I see further weakness all year in expensive coastal city real estate markets like San Francisco, San Jose, Seattle, LA, San Diego, Boston, New York, and Washington DC. Cities with unlimited land for expansion like Las Vegas, Dallas, and Denver are likely going to continue weakening as inventory surges higher. The heartland of America will not be immune to a real estate slowdown unfortunately.

The positive in real estate is that mortgage rates will continue to stay low. With rising inventory and low interest rates, affordability will increase and bring in new buyers. There might even be a refinancing boom again. I don't see a real estate crash like the stock market crash of 4Q2018. Instead, we'll see a soft landing as prices slowly decline by another 5% – 10%.

Finally, I predict more people than ever will generate new income sources beyond their day job. Whether it is starting a website or investing in assets that are countercyclical to the stock market, people will no longer take their job security for granted.

Only the misinformed believe a large correction in stocks has no bearing on future corporate employment decisions. You must always be forward-thinking when it comes to investing.

Buckle down folks! If you do not get your finances right in 2019, you might end up losing years worth of time and effort. 2019 is not the time to be a hero. Instead, 2019 is the year to bullet proof your finances by earning more based on what you can control.

A possible scenario to be aware of by 2020 according to Nomura

Financial Samurai 2019 Goals

1) No gray hairs, no chronic pain. I've learned over the years that our body reveals our true stress level no matter what we do or what we say. My goal is to keep things like sciatica, lower back pain, TMJ, grey hairs, wrinkles, hair loss, migraines, and excessive weight gain at bay in order to live longer and feel healthier. Stress is the silent killer of our generation.

Specific activities for the year include: exercising and stretching 3X a week, taking walks with my son 5X a week, incorporating 15 minutes of meditation 3X a week, and eliminating sugary drinks. I will continue to maintain a body weight of between 165 – 170 lbs at 5′ 10″.

2) Remain unemployed until September. My son turns two in April, and I plan to remain a stay at home dad at least until then. Although, I've given myself a green light to find full-time work after two years, my ultimate goal is to remain a stay at home dad until he is eligible for preschool in September if he is mature enough to attend. If he is not, then my goal is to remain a SAHD until September 2020 for 3 years, 9 months total.

In order to stay unemployed, I need to make sure my risk exposure is appropriate so I don't stress out about losing too much money, get out of the house at least two hours a day for some me time, and attend more social functions. Activities include tennis, softball, startup gatherings, Napa/Lake Tahoe getaways, and our first family trip to Hawaii. Of course, if the bull market continues, then staying unemployed will be relatively easy.

3) Hire help for the business. After almost 10 years of running Financial Samurai with only my wife, it's time to get some help with writing. I'll be slowly looking for someone who is WordPress savvy, trustworthy, intelligent, reliable, dedicated, believes in my five core principles, enjoys writing and wants to earn some steady side hustle income. The fit has to be fantastic, otherwise, I'll just continue to operate the site as usual.

I realize many sites my size or smaller have 1-4 people, on average, working to write content and handle some of the business elements. Now that I've discovered how great it is to hire help around the house, it's only logical to hire help for our business.

4) Focus on profits. Since I'm going to hire help for the business, I want to get a return on my investment. To not get an ROI on my capital expenditure would make me a foolish businessman.

I or my new hire will write more review posts, develop more affiliate partnerships, build my blog marketing business, update my severance negotiation book, and maybe create a new Financial Samurai product. I'll still publish my usual style posts 2-3X a week. There will just be more content all around as there is no limit to how many posts and pages a website can publish.

It's going to feel great to finally start seriously focusing on monetizing Financial Samurai after 10 years. I already get the occasional flak from readers who criticize my work and don't pay me a cent. So I now plan to unabashedly take full advantage of my platform to take care of my family, especially if the economy softens.

5) Grow the Financial Samurai Forum. For four years, I was a forum junkie in college. It was one of the best ways I learned about investing and finance. But in order for a forum to grow, it needs to be nurtured. Therefore, I plan to continue posting and corresponding at least 5X a week on the forum to build the FS community.

I have a 5-year plan to grow the Financial Samurai Forum into one of the best financial forums on the web. Specifically, I want to double its traffic in 2019. The forum is geared towards people who fundamentally believe that making more money is a better way to grow wealth than mainly through saving. I want to build a community that is open-minded and always curious about new ways to get better. I'm aiming for thought diversity not groupthink.

6) Help my boy reach the following milestones by year-end. Being a full-time parent is an incredibly rewarding job because you get to teach and witness progress on a daily basis. I've discovered that through Financial Samurai, foster youth mentoring, and coaching high school tennis that I enjoy being an educator. Below are some specific goals we are looking to help him develop by 2 years 9 months.

Play and Social Skills

Sit comfortably in circle time for more than 10 minutes

Enjoy playing with the piano, guitar, and drums

Play with toys without mouthing them

Screw and unscrew jar lids and turn door handles

Build towers of more than 6 blocks

Copy a circle with pencil or crayon

Show affection for friends without prompting

Be away from parents with supportive and familiar people for 4 hours or more to prepare for pre-school

Coordination

Walk down stairs unassisted

Maintain balance while catching a ball or when gently bumped by peers

Throw and attempt to catch ball without losing balance

Walk and maintain balance over uneven surfaces

Use both hands equally to play and explore toys

Learn to pedal a tricycle

Daily Activities

Able to self-calm in car rides when not tired or hungry

Tolerate diaper changes without crying or whining

Has an established sleep schedule of 10 hours or more a night and 1-2 hours of nap time after lunch at least 5X a week

Able to self-calm to fall asleep

Able to tolerate and stay calm during dental visits

Able to brush his teeth without whining or crying 3X a day

Is potty trained before preschool starts in September

Dresses and undresses self by figuring out buttons, zippers, and straps

Communication

Is able to consistently use 3-4 word phrases e.g. “I am hungry,” “The garage door is white,” “Walk with daddy,” “Financial Samurai is the best!”

Uses “in” and “on”

At least 75% of speech is understood by any caregiver

Follows 2-step unrelated directions, e.g. “give me the ball and go get your coat”

Understands “mine” and “yours”

Says words like “I,” “me,” “we,” and “you” and some plurals (cars, dogs, cats)

Understands half of what we communicate to him in English, in Mandarin

The next 12 months is going to be a huge challenge due to his growing temper tantrums. Another challenge is staying healthy since we're all getting sick more often now as he's exposed to other kids. Luckily, my wife and I haven't been sick at the same time yet. We'll finally introduce some screen time to him after his second birthday, which should help keep him occupied during trips.

7) Spend $1,500 more a month on life. We have frugality disease. We are spending less today than we were in our late 20s, despite having a much higher income and net worth. Our estate planning lawyer sessions really made us realize we will likely die with too much.

I've been slowly spending more money on things that may improve our lives. For example, the $4,000 large jet tub I bought in 2014 has come in handy for family bath time now. The $15,000 I spent on the outdoor hot tub in 1H2017 was one of the best purchases ever. Further, I have no regrets paying $58,000 cash for a used family car in December 2016 either. Baby steps on the road to lifestyle inflation!

We will allocate the extra $1,500 in spending towards more babysitting help, more massages, bi-monthly house cleaning, and quarterly gardening. We will purchase at least economy plus tickets for all our parents to come visit. Further, if we take our first flight as a family, we will purchase economy plus tickets as well.

We are also going to regularly give to two charities all year. One will be to a center for foster kids and abused youth. Another will be for children with visual impairments. I also like supporting public park tennis initiatives.

Related: Practice Taking Profits To Pay For A Better Life

8) Pay off $200,000 of mortgage debt. Paying off my SF rental condo in 2015 felt wonderful. I don't care whether it goes up or down in value because I truly plan to own it forever. Selling my SF rental house and paying off a $815,000 mortgage in the process also felt terrific. No matter how much more I could have made investing in risk assets, I've never regretted paying off debt.

Our ultimate goal is to be debt free by 2022, when our boy is ready for kindergarten. Paying down $200,000 a year in extra mortgage debt will accomplish this goal. In a bear market, it feels great to earn a guaranteed return. But it's also important to have lots of liquidity to take advantage of opportunities as well.

9) Aggressively search for a larger house. I dodged a canon in 2018 by not buying a larger house for more money. I wrote two offers for San Francisco homes that both got rejected. I was seriously going to try and buy this one expensive SF house in a great neighborhood, but by the time I was going to put in an offer, they had accepted another offer on November 1 for asking. If I had bought the house I'd be feeling nervous today since the stock market corrected by 20% soon after. It's not unreasonable to assume to house is now worth $200,000 (4.5%) less today.

Meanwhile, the seller of the house in Honolulu I've been eyeing since 2016 gave up trying to find a buyer in 4Q2018 and rented out the house from Oct – January to short-term tenants. The original asking price was $4.7M in 2016. Today, I think there's a good chance they will accept $3.5M – $3.7M because they finally dropped the ask down to $3.98M.

I want a bigger house in SF so my parents, in-laws and sister can come visit for a longer period of time. One more bathroom and 500 sqft more of space would be ideal. However, if I move to Honolulu, I won't need a bigger house since my parents have their own house.

I anticipate there will be many more deals in 2019 given inventory will likely be up 50% – 150% in San Francisco and Honolulu. I suspect the IPOs of Uber, Lyft and others will put a -10% floor on SF prices.

10) Be a voice for at least 50% of the population. Due to the high cost of living, there are very few personal finance bloggers who live in an expensive coastal city. This makes rational sense, especially if you are a FIRE blogger. But a full 50% of the national population lives in expensive coastal cities and other big cities around the country that face slightly different challenges. Same for many big city residents around the world e.g. London, Hong Kong, Singapore, Sydney, Mumbai, etc. Therefore, I have an opportunity to establish Financial Samurai as a go-to resource for big-city audiences.

It's going to be fun tackling topics such as: private grade school tuition, the feasibility of retiring early with a family in a HCOL area, forsaking wealth and prestige, the dangers of creating multi-generational wealth, featuring diverse cultural backgrounds, and more. My goal is to convince big media to provide a more diverse perspective on financial independence since not everybody can or wants to move to a low cost area of the country.

11) Be more forgiving of myself. No matter what project I undertake, I always run through the finish line. Financial Samurai's finish line is July 1, 2019 after I made a promise in 2009 to publish 3X a week for 10 years. After that, who knows the future.

The funny thing about this finish line is that it is completely arbitrary. There is absolutely no need to put pressure on myself to produce so much content, especially if I'm having a rough week or sick. Financial Samurai surpassed my expectations long ago. Therefore, I'm going to give myself four weeks where I'll just publish one post plus I'll take it easy the entire month of June, when traffic is slowest.

By giving myself a break, I hope to sleep in more regularly until 6am. For the majority of 2018, I was naturally waking up by 5am after going to bed around 11pm. But during 4Q2018 and after daylight savings, I started naturally waking up as early as 3:30am to get my writing done before my wife and son woke. This crazy early time must have been due to increased anxiety from the stock market collapse.

With more sleep and less stress, I hope to improve my overall mental health and happiness. My desire to constantly grind stems from mistakes made in high school, plenty more rejections as an adult, and an indoctrination since I was a kid that I need to try harder as a minority to get ahead in America. I know I have a really good thing going now, so I don't want to take my good fortune for granted.

12) Celebrate big and small wins. To make the hustle more worthwhile, we will celebrate all our achievements as parents, writers, and entrepreneurs. A celebration can be as small as opening a nice bottle of wine. These celebrations will also help us fulfill our goal of spending more.

Every evening I will highlight something specific I appreciate about my wife so she always feels recognized and loved. She is an incredible full-time mom who also launched the FS Forum, finalized our revocable living trust, registered How To Engineer Your Layoff and Cutie Baby with the Library Of Congress, and is responsible for all ongoing business accounting. It's clear I haven't done a good enough job appreciating her efforts over the years, which is why I'm committed to do more for her in 2019 and beyond.

Steady As She Goes

If we can grow our net worth by just 5%, I'll be happy. I'm willing to forego upside investment potential to help ensure our net worth goes up in 2019. Despite our public investments accounting for only about 30% of our net worth, it gave me the most stress in 2018. This will change.

I still have hope the Fed will slow down its rate hikes. If they do, I'm confident the economy will chug along at 2% – 2.5% GDP growth and not enter into a recession. However, there are no exciting positive catalysts on the horizon except for a trade agreement with China by end of 1Q. 2019 will likely be another volatile year.

The last two years working on FS and being a SAHD has worn me out. Given we save most of our after-tax business income by living off our passive income, I'm excited to live it up more in 2019 and use my “vacation credits” to take it easier.

If you have any tips on how to smartly inflate your lifestyle without feeling guilty, I'd love to hear them. I also want to learn how to inhale the roses more often without feeling the need to always be productive.

What are some of your goals for 2019? How do you see the stock market and economy unfolding?

The post Financial Samurai 2019 Economic Outlook And Personal Goals appeared first on Financial Samurai.

[kerrychelly-blog]

Financial Samurai 2019 Economic Outlook And Personal Goals

Happy 2019 everyone!

With my 2018 finishing with 3.8 4.0 out of 5.0 stars, I've thought long and hard about how I can make 2019 better. I've found a solution.

My 2019 theme is: live the good life. If you live the good life, how can life not be better?

Some people like to tighten their belts during economic uncertainty. I used to be one of those people in 2008-2009. But after a raging bull market since 2009, I feel it's OK for my family to start spending more on life instead of letting our investments piss away our wealth.

Besides, if panic increases, there will be lots of things going on sale. Let's first discuss my outlook for 2019 and then I'll go over my goals.

Financial Samurai 2019 Outlook

Things are uncertain, to say the least. From policy errors by the Federal Reserve to trade wars by Trump to a drastic slowdown in corporate earnings growth (20%+ down to ~7%), we are facing many headwinds in 2019.

Despite the 4Q2018 sell-off in the stock market, JP still wants to raise rates another two times in 2019 to keep inflation at 2%. There's an old saying on Wall Street: don't fight the Fed. You will get run over.

If the housing market is weakening, the stock market is correcting, and if the labor market softens given companies are now 20% less valuable on average, it's baffling why the Fed thinks inflation will accelerate in 2019.

The good news is that 4Q2018 has baked in a lot of the negatives. Valuations are now at around historical averages and expectations have been reset. And unless JP is a complete idiot for going to Princeton and Georgetown, he will probably adjust his interest rate stance if we enter full bear market territory. And let's put things in perspective, a -6.4% year for the S&P 500 is not that bad.

The question everybody needs to ask themselves is whether the equity risk premium is worth taking. If you can get a 2.45% risk-free rate of return or pay down more expensive debt (mortgage, student loans, credit cards), is it worth taking risk in equities to maybe make a potentially greater return?

My answer is no. Give me a 2.45% – 5% guaranteed return any day while the world recalibrates. The stress of trying to make perhaps a 10% return in the stock market is simply not worth the premium since there's probably an equal chance stocks will go down. The peace of mind of a risk-free return should not be under-appreciated, especially if you have more certain ways to make money.

Of course, there are no guarantees. Therefore, my plan is to keep my existing public investments just the way they are (45%/55% stocks/bonds) and use my monthly cash flow to pay down debt and invest in a 70%/30% ratio. At the very minimum, my Solo 401(k), SEP IRA, and son's 529 plan will all be maxed out. If the S&P 500 gets back to 2,800+, I will be aggressively selling down more stocks.

I'm in the “low interest rates for life” camp. Once again, I don't see the 10-year bond yield finishing over 3% in 2019. This is a risky call since the 10-year bond yield is not far away at 2.75%, and reached as high as 3.2% in 2018. But this call simply means the yield curve will continue to flatten as the Fed stubbornly continues to raise rates, leading to a recession by 2020.

Given it takes 2-5 years for real estate cycles to play out, I see further weakness all year in expensive coastal city real estate markets like San Francisco, San Jose, Seattle, LA, San Diego, Boston, New York, and Washington DC. Cities with unlimited land for expansion like Las Vegas, Dallas, and Denver are likely going to continue weakening as inventory surges higher. The heartland of America will not be immune to a real estate slowdown unfortunately.

The positive in real estate is that mortgage rates will continue to stay low. With rising inventory and low interest rates, affordability will increase and bring in new buyers. There might even be a refinancing boom again. I don't see a real estate crash like the stock market crash of 4Q2018. Instead, we'll see a soft landing as prices slowly decline by another 5% – 10%.

Finally, I predict more people than ever will generate new income sources beyond their day job. Whether it is starting a website or investing in assets that are countercyclical to the stock market, people will no longer take their job security for granted.

Only the misinformed believe a large correction in stocks has no bearing on future corporate employment decisions. You must always be forward-thinking when it comes to investing.

Buckle down folks! If you do not get your finances right in 2019, you might end up losing years worth of time and effort. 2019 is not the time to be a hero. Instead, 2019 is the year to bullet proof your finances by earning more based on what you can control.

A possible scenario to be aware of by 2020 according to Nomura

Financial Samurai 2019 Goals

1) No gray hairs, no chronic pain. I've learned over the years that our body reveals our true stress level no matter what we do or what we say. My goal is to keep things like sciatica, lower back pain, TMJ, grey hairs, wrinkles, hair loss, migraines, and excessive weight gain at bay in order to live longer and feel healthier. Stress is the silent killer of our generation.

Specific activities for the year include: exercising and stretching 3X a week, taking walks with my son 5X a week, incorporating 15 minutes of meditation 3X a week, and eliminating sugary drinks. I will continue to maintain a body weight of between 165 – 170 lbs at 5′ 10″.

2) Remain unemployed until September. My son turns two in April, and I plan to remain a stay at home dad at least until then. Although, I've given myself a green light to find full-time work after two years, my ultimate goal is to remain a stay at home dad until he is eligible for preschool in September if he is mature enough to attend. If he is not, then my goal is to remain a SAHD until September 2020 for 3 years, 9 months total.

In order to stay unemployed, I need to make sure my risk exposure is appropriate so I don't stress out about losing too much money, get out of the house at least two hours a day for some me time, and attend more social functions. Activities include tennis, softball, startup gatherings, Napa/Lake Tahoe getaways, and our first family trip to Hawaii. Of course, if the bull market continues, then staying unemployed will be relatively easy.

3) Hire help for the business. After almost 10 years of running Financial Samurai with only my wife, it's time to get some help with writing. I'll be slowly looking for someone who is WordPress savvy, trustworthy, intelligent, reliable, dedicated, believes in my five core principles, enjoys writing and wants to earn some steady side hustle income. The fit has to be fantastic, otherwise, I'll just continue to operate the site as usual.

I realize many sites my size or smaller have 1-4 people, on average, working to write content and handle some of the business elements. Now that I've discovered how great it is to hire help around the house, it's only logical to hire help for our business.

4) Focus on profits. Since I'm going to hire help for the business, I want to get a return on my investment. To not get an ROI on my capital expenditure would make me a foolish businessman.

I or my new hire will write more review posts, develop more affiliate partnerships, build my blog marketing business, update my severance negotiation book, and maybe create a new Financial Samurai product. I'll still publish my usual style posts 2-3X a week. There will just be more content all around as there is no limit to how many posts and pages a website can publish.

It's going to feel great to finally start seriously focusing on monetizing Financial Samurai after 10 years. I already get the occasional flak from readers who criticize my work and don't pay me a cent. So I now plan to unabashedly take full advantage of my platform to take care of my family, especially if the economy softens.

5) Grow the Financial Samurai Forum. For four years, I was a forum junkie in college. It was one of the best ways I learned about investing and finance. But in order for a forum to grow, it needs to be nurtured. Therefore, I plan to continue posting and corresponding at least 5X a week on the forum to build the FS community.

I have a 5-year plan to grow the Financial Samurai Forum into one of the best financial forums on the web. Specifically, I want to double its traffic in 2019. The forum is geared towards people who fundamentally believe that making more money is a better way to grow wealth than mainly through saving. I want to build a community that is open-minded and always curious about new ways to get better. I'm aiming for thought diversity not groupthink.

6) Help my boy reach the following milestones by year-end. Being a full-time parent is an incredibly rewarding job because you get to teach and witness progress on a daily basis. I've discovered that through Financial Samurai, foster youth mentoring, and coaching high school tennis that I enjoy being an educator. Below are some specific goals we are looking to help him develop by 2 years 9 months.

Play and Social Skills

Sit comfortably in circle time for more than 10 minutes

Enjoy playing with the piano, guitar, and drums

Play with toys without mouthing them

Screw and unscrew jar lids and turn door handles

Build towers of more than 6 blocks

Copy a circle with pencil or crayon

Show affection for friends without prompting

Be away from parents with supportive and familiar people for 4 hours or more to prepare for pre-school

Coordination

Walk down stairs unassisted

Maintain balance while catching a ball or when gently bumped by peers

Throw and attempt to catch ball without losing balance

Walk and maintain balance over uneven surfaces

Use both hands equally to play and explore toys

Learn to pedal a tricycle

Daily Activities

Able to self-calm in car rides when not tired or hungry

Tolerate diaper changes without crying or whining

Has an established sleep schedule of 10 hours or more a night and 1-2 hours of nap time after lunch at least 5X a week

Able to self-calm to fall asleep

Able to tolerate and stay calm during dental visits

Able to brush his teeth without whining or crying 3X a day

Is potty trained before preschool starts in September

Dresses and undresses self by figuring out buttons, zippers, and straps

Communication

Is able to consistently use 3-4 word phrases e.g. “I am hungry,” “The garage door is white,” “Walk with daddy,” “Financial Samurai is the best!”

Uses “in” and “on”

At least 75% of speech is understood by any caregiver

Follows 2-step unrelated directions, e.g. “give me the ball and go get your coat”

Understands “mine” and “yours”

Says words like “I,” “me,” “we,” and “you” and some plurals (cars, dogs, cats)

Understands half of what we communicate to him in English, in Mandarin

The next 12 months is going to be a huge challenge due to his growing temper tantrums. Another challenge is staying healthy since we're all getting sick more often now as he's exposed to other kids. Luckily, my wife and I haven't been sick at the same time yet. We'll finally introduce some screen time to him after his second birthday, which should help keep him occupied during trips.

7) Spend $1,500 more a month on life. We have frugality disease. We are spending less today than we were in our late 20s, despite having a much higher income and net worth. Our estate planning lawyer sessions really made us realize we will likely die with too much.

I've been slowly spending more money on things that may improve our lives. For example, the $4,000 large jet tub I bought in 2014 has come in handy for family bath time now. The $15,000 I spent on the outdoor hot tub in 1H2017 was one of the best purchases ever. Further, I have no regrets paying $58,000 cash for a used family car in December 2016 either. Baby steps on the road to lifestyle inflation!

We will allocate the extra $1,500 in spending towards more babysitting help, more massages, bi-monthly house cleaning, and quarterly gardening. We will purchase at least economy plus tickets for all our parents to come visit. Further, if we take our first flight as a family, we will purchase economy plus tickets as well.

We are also going to regularly give to two charities all year. One will be to a center for foster kids and abused youth. Another will be for children with visual impairments. I also like supporting public park tennis initiatives.

Related: Practice Taking Profits To Pay For A Better Life

8) Pay off $200,000 of mortgage debt. Paying off my SF rental condo in 2015 felt wonderful. I don't care whether it goes up or down in value because I truly plan to own it forever. Selling my SF rental house and paying off a $815,000 mortgage in the process also felt terrific. No matter how much more I could have made investing in risk assets, I've never regretted paying off debt.

Our ultimate goal is to be debt free by 2022, when our boy is ready for kindergarten. Paying down $200,000 a year in extra mortgage debt will accomplish this goal. In a bear market, it feels great to earn a guaranteed return. But it's also important to have lots of liquidity to take advantage of opportunities as well.

9) Aggressively search for a larger house. I dodged a canon in 2018 by not buying a larger house for more money. I wrote two offers for San Francisco homes that both got rejected. I was seriously going to try and buy this one expensive SF house in a great neighborhood, but by the time I was going to put in an offer, they had accepted another offer on November 1 for asking. If I had bought the house I'd be feeling nervous today since the stock market corrected by 20% soon after. It's not unreasonable to assume to house is now worth $200,000 (4.5%) less today.

Meanwhile, the seller of the house in Honolulu I've been eyeing since 2016 gave up trying to find a buyer in 4Q2018 and rented out the house from Oct – January to short-term tenants. The original asking price was $4.7M in 2016. Today, I think there's a good chance they will accept $3.5M – $3.7M because they finally dropped the ask down to $3.98M.

I want a bigger house in SF so my parents, in-laws and sister can come visit for a longer period of time. One more bathroom and 500 sqft more of space would be ideal. However, if I move to Honolulu, I won't need a bigger house since my parents have their own house.

I anticipate there will be many more deals in 2019 given inventory will likely be up 50% – 150% in San Francisco and Honolulu. I suspect the IPOs of Uber, Lyft and others will put a -10% floor on SF prices.

10) Be a voice for at least 50% of the population. Due to the high cost of living, there are very few personal finance bloggers who live in an expensive coastal city. This makes rational sense, especially if you are a FIRE blogger. But a full 50% of the national population lives in expensive coastal cities and other big cities around the country that face slightly different challenges. Same for many big city residents around the world e.g. London, Hong Kong, Singapore, Sydney, Mumbai, etc. Therefore, I have an opportunity to establish Financial Samurai as a go-to resource for big-city audiences.

It's going to be fun tackling topics such as: private grade school tuition, the feasibility of retiring early with a family in a HCOL area, forsaking wealth and prestige, the dangers of creating multi-generational wealth, featuring diverse cultural backgrounds, and more. My goal is to convince big media to provide a more diverse perspective on financial independence since not everybody can or wants to move to a low cost area of the country.

11) Be more forgiving of myself. No matter what project I undertake, I always run through the finish line. Financial Samurai's finish line is July 1, 2019 after I made a promise in 2009 to publish 3X a week for 10 years. After that, who knows the future.

The funny thing about this finish line is that it is completely arbitrary. There is absolutely no need to put pressure on myself to produce so much content, especially if I'm having a rough week or sick. Financial Samurai surpassed my expectations long ago. Therefore, I'm going to give myself four weeks where I'll just publish one post plus I'll take it easy the entire month of June, when traffic is slowest.

By giving myself a break, I hope to sleep in more regularly until 6am. For the majority of 2018, I was naturally waking up by 5am after going to bed around 11pm. But during 4Q2018 and after daylight savings, I started naturally waking up as early as 3:30am to get my writing done before my wife and son woke. This crazy early time must have been due to increased anxiety from the stock market collapse.

With more sleep and less stress, I hope to improve my overall mental health and happiness. My desire to constantly grind stems from mistakes made in high school, plenty more rejections as an adult, and an indoctrination since I was a kid that I need to try harder as a minority to get ahead in America. I know I have a really good thing going now, so I don't want to take my good fortune for granted.

12) Celebrate big and small wins. To make the hustle more worthwhile, we will celebrate all our achievements as parents, writers, and entrepreneurs. A celebration can be as small as opening a nice bottle of wine. These celebrations will also help us fulfill our goal of spending more.

Every evening I will highlight something specific I appreciate about my wife so she always feels recognized and loved. She is an incredible full-time mom who also launched the FS Forum, finalized our revocable living trust, registered How To Engineer Your Layoff and Cutie Baby with the Library Of Congress, and is responsible for all ongoing business accounting. It's clear I haven't done a good enough job appreciating her efforts over the years, which is why I'm committed to do more for her in 2019 and beyond.

Steady As She Goes

If we can grow our net worth by just 5%, I'll be happy. I'm willing to forego upside investment potential to help ensure our net worth goes up in 2019. Despite our public investments accounting for only about 30% of our net worth, it gave me the most stress in 2018. This will change.

I still have hope the Fed will slow down its rate hikes. If they do, I'm confident the economy will chug along at 2% – 2.5% GDP growth and not enter into a recession. However, there are no exciting positive catalysts on the horizon except for a trade agreement with China by end of 1Q. 2019 will likely be another volatile year.

The last two years working on FS and being a SAHD has worn me out. Given we save most of our after-tax business income by living off our passive income, I'm excited to live it up more in 2019 and use my “vacation credits” to take it easier.

If you have any tips on how to smartly inflate your lifestyle without feeling guilty, I'd love to hear them. I also want to learn how to inhale the roses more often without feeling the need to always be productive.

What are some of your goals for 2019? How do you see the stock market and economy unfolding?

The post Financial Samurai 2019 Economic Outlook And Personal Goals appeared first on Financial Samurai.