Unless you are eligible for refinancing through Obama’s “Home Affordability Plan” you will find that refinancing a mortgage can be difficult. It requires several different facts and figures before you will even have a chance of getting approved. Mortgage lenders and banks can deny any refinance application for any of the following reasons:

-The Credit Rating of the Homeowner.

If your credit rating is too low, the bank or lender will deny your application to refinance. However, bad credit scores are pretty common and you are not alone. To help get approved with bad credit you must explain your financial situation to the bank or mortgage lender and convince them you are going to make those payments. If this fails you can look into sub prime loans, but usually these are to be avoided.

-The Income of the Borrower.

Mortgage lenders and banks will thoroughly check all proof of income statements. The lender or bank will be skeptical should they feel your income is higher or lower than your stating it is. Also, this income must prove to be consistent. If you are not able to do this, the refinance application may get denied.

-Incomplete Documents.

If you can not come up with, find, or complete documents that lenders or banks give you for the refinancing procedure, the application for refinancing will be denied.

-The Value of the Property to be Refinanced.

Banks and lenders are likely to deny refinancing if they project property values dropping even further in your area, or, if they have already dropped to far. Banks and mortgage lenders typically do not refinance a home or property for more than it is worth.

-Mortgage Lender and Bank Policies.

Banks and lenders often have extremely particular requirements for refinancing a home. Sometimes borrowers need a certain amount of income, or equity, or have a single family home, and still refinance applications may be denied.

Luckily for you, the internet is a great way to investigate potential mortgage lenders and banks for your refinance. You can easily search through the conditions and eligibility requirements from a wide variety of banks. Often, you can get a rough quote and see how much you can expect to save every month. Make sure you take your time and use some patience to find the right refinance deal. This is the only way to ensure you do not get caught up in another bad mortgage.

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If you want to get a loan for your motorcycle or refinance a current loan, follow our simple advice to get you back on the road. Never mind public opinion, obtaining a motorcycle loan can be a straightforward and easy process if you follow the correct procedure. The refinance company or motorcycle loan company can usually get back to you straight away to offer you their best interest rates. When you know what interest rates and repayments will be you can then calculate accordingly how much this will cost you. If you can afford this and think it is at a good rate then you have got another step underway. Check the terms and conditions to make sure there are no hidden costs or extra add ons. When you have found the best package to suit you, then you can send in your application online or over the phone. Even after the application is sent in, you do not have to commit to this. The company will make a customised package for you to work from. It is recommended to stay with you current company if the interest rates will not help you save money and reduce fees or penalties. Many people can usually obtain a secure interest rate if they refinance so it is always good to send applications in so you can compare different companies and find the best one for you.

Getting the best motorcycle loans rates

The number of months the loan is for, your credit report score, and the price you pay in total for the motorcycle are all factors that can determine the final rate of interest of your motorcycle loan. The company that may lend you the money will rank your credit history is the main criteria of your loan rate. The less you have to pay in interest rates the higher your credit score is. It is ideal to check your credit rating before you apply for a loan and make sure all information is correct or otherwise you may be paying a lot more than you should have to. The number of months you apply to pay of your loan could determine whether you pay more or less. The longer the months the more interest that will be paid. A motorcycle loan taken out for 6o months will have a lower monthly interest rate than a 36 months loan but the overall total for the 60 month loan will be larger. The price paid in total for your loan including dealer adds ons can also determine interest rates. When you research and know the value of your motorcycle you can stop yourself from overpaying the motorcycle loan payments. If you are buying a new motorcycle check the dealers invoice or price he paid for the motorcycle is before you head to the dealer. The best price is between the dealers price and the dealers invoice price. The dealer will always add money on so they can make a profit but it is far greater than the price they brought it for. Lowering the price of your motorcycle could mean lowering the repayments too.

When purchasing a used motorcycle from a local dealer be aware that the dealer will price the motorcycle at the highest value and this may include the cost of the dealer having the motorcycle reconditioned. Try to find a compromise with the dealer on what is a reasonable price for a bike in your area. The dealer has an asking price is always far more than they may have paid for it, as they like to make a heavy profit. Look around and check out all motorcycle dealers to find a deal that is best for you. When a dealer offers you an option that may be not necessarily needed, take account that this will add to the total value of the motorcycle and increase the repayments and interest rate. Some options that you may be asked to take are sales promotion fund, paint sealant, freight expense, assembly charge and dealer advertising association holdbacks. Compare the best deals that may include these options for the best deal for you. Some options can be removed for an even better price on your motorcycle.

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Marcia Brazilian Keratin Conditioner for Color Treated Hair Marcia Teixeira: Marcia Brazilian Keratin Conditioner for Color Treated Hair is an advanced hair conditioner to protect your hair color. Enriched with Babacu & Cupuacu anti-oxidant ingredients, Marcia Brazilian Keratin Conditioner for Color Treated Hair also adds shine & health to your hair. To keep your color richer for longer, this conditioner contains no sodium chloride, but instead, all the ingredients to strengthen & refresh your hairs natural keratin proteins. Get this transformed Brazilian formula conditioner for healthy, shiny, manageable, & frizz-free hair!
Marcia Brazilian Keratin Conditioner for Color Treated Hair

• Marcia Brazilian Keratin Shampoo for Color Treated Hair

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When you refinance your home mortgage you are essentially replacing your existing loan with a loan of either the same amount or more, but with a lower interest rate. It is important to remember that refinancing your current loan is best considered when the current rates are at least 2% less then the interest rates you are currently paying.

There are several benefits to refinancing your existing home loan: First, refinancing allows a home owner to lower his or her existing monthly mortgage payments. Second, refinancing is also a great way for a home owner to consolidate their debt so as to save valuable money in the long term. Finally, home owners can also benefit from a lower refinancing rate by freeing up cash that can be used on much needed expenditures. In most cases, a lower interest rate is a good reason to refinance a home especially when the home is still quite new, for example the homeowners have been paying on it for only a few years.

In most cases, a lower interest rate is a good reason to refinance a home especially when the home is still quite new, for example the homeowners have been paying on it for only a few years. Many homeowners refinance to free up funds for other things like pay off credits cards more quickly, buying a car, another home or growing the family business. To do this type of loan, a cash out loan, they rely on the equity in the home to get the loan amount they need.

Probably the best way to go about doing a home mortgage refinance is to get multiple quotes from multiple lenders. You can compare quotes and decide whether you would like to accept of the refinance home mortgage quotes offered. There are a lot of lenders that would love to assist your with your refinance home mortgage, but you need to find the one that will best meet your needs. Using an online mortgage loan broker to explore several options for your refinance mortgage is a guaranteed way to save money. Not only will these sites be able to give you rates and quotes, but they will often allow you to find out more information on lenders so that you can make the best choice for your situation. And the best part is there is no obligation when you get a free online quote.

No matter what the reasons for doing a home mortgage refinance be sure to be clear as to exactly why you need to do this in the first place. Is it to save money on interest or to tap into the equity into your home for a large purchase? Be sure to do your research and get the best deal both in terms of interest rates and payment options that best fits into your financial needs.

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Clairol Hydrience Color, 038 Cocoa Harbor (Pack of 3)
After being unable to find Clairol Hydrience Cocoa Harbor #38 hair color in any of my local drug stores I decided to try Amazon.com and it didn’t let me down. I love this hair product and I love Amazon.com for helping me to locate an on-line store where I could purchase it. The process from ordering to receiving was simple and efficient. Thank you Amazon.com. Clairol: Hydrience 1-2-3 Step Moisturizing System 1 Prepare. Our Pantene Pro-V 1-Minute Color Pre-Treatment has a dryness-seeking formula that conditions hair, preparing it to accept color evenly. Simply apply before coloring 2 Renew. Our Deep Moisturizing Color Creme saturates your hair with luxurious color, leaving no hint of gray. 3 Protect. Our Pantene Pro- Moisturizing After-Color Therapy has 6 weekly treatments that help seal in moisture and protect your color tadiance until you’re ready to color again. Hydrience 1-2-3 Step Moisturizing System. 1 Prepare. Our Pantene Pro-V 1-Minute Color Pre-Treatment has a dryness-seeking formula that conditions hair, preparing it to accept color evenly. Simply apply before coloring. 2 Renew. Our Deep Moisturizing Color Creme saturates your hair with luxurious color, leaving no hint of gray. 3 Protect. Our Pantene Pro-V Moisturizing After-Color Therapy has 6 weekly treatments that help seal in moisture and protect your color radiance until you’re ready to color again.

DO SKIN ALLERGY TEST 48 HOURS BEFORE EACH APPLICATION EVEN IF YOU HAVE ALREADY USED COLORING PRODUCTS

GET READY TO COLOR

• Use an old towel to protect your clothing and household surfaces.
• Have a clock handy for timing.
• Apply Pre-Treatment to dry hair. For Red shades, apply Pre-Treatment to damp hair (see Helpful Hints for All Red Shades below).
• Put on gloves provided for application of color after applying Pre-Treatment to hair.

ALL OVER COLOR

Ideal For First Time Haircolor Users OR for Users Who Have Not Colored in 3 Months or Longer.

	1. PRE-TREAT DRY HAIR Before coloring, apply our Pantene Pro-V 1-Minute Color Pre-Treatment and prepare hair to accept color evenly. Apply to dry hair (not wet). Open Pre-Treatment Sachet [1] by tearing at the perforation. Squeeze out Pre-Treatment into your hand.
	Apply Pre-Treatment to hair, avoiding the root area and concentrating on dry ends. Leave on for at least 1 minute. Do not rinse. Wash hands. Begin color preparation, Step 2, “Prepare” below.
	2. PREPARE Put on Professional Colorist Gloves. Pull up the tab to remove the tip of the Moisturizing Developer bottle [2b], discard the tab, and unscrew the cap.
	Empty entire contents of the Deep Moisturizing Color Crème tube [2a] (previously opened for Skin Allergy Test - see opposite side of leaflet) into the Moisturizing Developer bottle [2b] and replace cap.
	Place gloved finger over the applicator tip. Shake well, holding away from face, until color is totally blended and mixture thickens. Apply color immediately. Never reseal bottle or store color mixture in a closed container. Once mixed, a sealed container of haircolor could burst.
	3. START COLORING Squeeze Moisturizing Developer bottle [2b] to apply color onto hair. Apply color mixture to the whole head, including the Pre-Treatment application areas, for the best results. When covering gray, start where you have the most gray. When using haircolor to lighten, start where your hair is the darkest. Thoroughly saturate your hair, working the color into hair like shampoo but do not rub into scalp. Loosely pile hair on top of your head. Do not worry if the color of the mixture on your hair looks different from your desired color. If any color gets on your skin or household surface, wipe it off immediately with a damp towel.
	4. TIME IT Once you have finished applying the color, leave it on hair for the time indicated by your Strand Test or 25 minutes. Pour any unused color mixture down the drain. Once mixed, it will lose its effectiveness after an hour. Tip: For Extra Light Blonde (XL02), Intense Red (3RR) and resistant gray, it may be necessary to leave color on for up to 45 minutes.
	5. RINSE & APPLY CONDITIONER Add a small amount of warm water to your hair and work into a lather by gently massaging. Rinse thoroughly until water runs clear. Shampooing is not necessary. Apply a quarter-size amount of Pantene Pro-V After-Color Moisturizing Therapy [3] evenly to hair to condition and lock in lush, radiant color. For best color results, leave on for 2 minutes. Rinse thoroughly with warm water. Save the remainder for up to 5 more weekly treatments. Use once a week after shampooing to help seal in moisture and protect your color radiance. In addition, we recommend regular use of Pantene Pro-V Expressions for Reds, Blondes, and Brunettes with specialized pro-vitamin formulas to make your unique shade look richer longer*! For maximum impact, use the complete Pantene Pro-V Expressions collections with shampoos, conditioners and more. To keep hair looking fresh and vibrant, reapply Hydrience every 4-6 weeks using the Root Application Instructions below. *shampoo and conditioner vs. Pantene shampoo alone
ROOT APPLICATION - Ideal For Users Who Color Every 4-6 Weeks To Help Keep Hair Healthy-Looking and Ensure Even Color Root to Tip.
	1. PRE-TREAT DRY HAIR Follow step 1 above. 2. PREPARE Follow step 2 above. Part your dry hair into 4 sections and use plastic clips to hold in place. 3. START COLORING Let down the first section of hair and fully saturate your roots only. Repeat with 3 other sections until roots are covered. Save the remainder of the haircolor to use for the rest of your hair. 4. TIME IT Leave the color on roots 5 minutes less than your Strand Test or 20 minutes. Use gloved fingers to work remaining haircolor through hair to ends. Leave on for an additional 5 minutes. Tip: For Extra Light Blonde (XLO2), Intense Red (3RR) and resistant gray, it may be necessary to leave color on roots for 40 minutes before pulling color through for an additional 5 minutes. 5. RINSE & APPLY CONDITIONER Follow step 5 above.

• Clairol Hydrience Color, 044 Mocha Splash (Pack of 3)
• Clairol Hydrience Color, 036 Suntan (Pack of 3)
• Clairol Hydrience Hair Color Cream, Level 3, Cocoa Harbor #038, Kit - 1 Each

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There are two situations where it could make sense to refinance my car loan. One is the bad situation where you can’t afford the monthly payments and are trying to avoid missing payments and ending up with a repossession. The second is the better situation where you simply want to take advantage of lower interest rates and lower your monthly payment.

In either situation the solution to refinance my car makes perfect sense. Just be sure to review the terms of the new loan to make sure it is actually to your benefit before going ahead with the refinancing.

Refinance my car - I can’t afford the payments

When you simply can’t make the monthly payments on your car loan anymore, refinancing may be the only way for you to avoid a repossession. Refinancing can lower your monthly payments in two ways, first by lowering the interest rate on the loan and secondly by extending the duration of the loan. By combining both you’ll get the greatest monthly savings.

Of course, you may already have poor credit and a bad credit score. This will keep you from being able to secure the lowest interest rate on your car loan and you’ll have to refinance at a higher rate. You can still lower your monthly payments though by extending the length of the loan.

If you’re in this situation you’ll want to take the time to research several lenders and find the best rate possible. Just because you have poor credit doesn’t mean you can’t find a better deal when you refinance my car. Get several quotes, compare the terms and rates and choose the best deal you can to lower your payments.

Refinance my car to lower the interest rate

If you’re just looking to take advantage of lower interest rates then you’ll have much more flexibility in finding and negotiating the best deal possible when you refinance my car. Chances are in this situation your credit score is good and finding a lender willing to offer you lower interest rates should be pretty easy.

Again you’ll want to get quotes from several lenders to find the best possible interest rate. You also want to make sure that your savings aren’t eaten up by excessive additional fees such as closing costs, administrative fees and other miscellaneous charges since this defeats the purpose of refinancing to save money in the first place.

No matter what your motivation is refinancing my car loan is a simple and quick process. You simply need to take the time to get the quotes and to pay attention to the terms being offered to you to ensure you get the best deal. Whether you’re trying to lower your interest rates to take advantage of current conditions or if you need to refinance to avoid a repossession, refinancing your car loan is a smart move.

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If you’ve heard your friends or relatives talking about how they have refinanced their home mortgages and are enjoying their new, lower interest rates, you may have wondered how you can join them. But understanding the refinancing process can be somewhat confusing.

Deciding to refinance your home mortgage means that you will borrow the money to pay o ff the balance o n your existing mortgage, and by borrowing at an interest rate lower than that on your current mortgage, you will lower your monthly payments. Refinancing your mortgage at lower interest will not only save you money each month; it will save you thousands of dollars over the course of your loan.

The Refinancing Process

The refinancing process, while fairly straightforward, does include several steps.

* After investigating various lenders to see which ones seem to have the best refinancing packages, you should choose the one which looks the most promising and complete a loan application.

* The loan officer will look at you application and make suggestions as to which loans would work best in you case. After careful examination, you should select one and apply for that particular loan, supplying the necessary documentation.

* You will then receive all the loan disclosures, terms, and legal forms, which you should study, complete, and return to the lender.

* The lender will take over at this point, sending an appraiser to place a value on your home. The lender will send all of the information to the loan underwriters, who will either approve your loan or ask for any further documentation they need. Your lender will supply them with your contact information.

* If your refinancing loan is approved, your lender will use it to pay off your existing mortgage and then process your file. Your loan papers will be sent to the title company or an attorney for closing, and you will have seventy-two hours during the closing process to change your mind without being penalized.

* At the end of the seventy-two hours, your loan will have closed, and your mortgage will be refinanced. You’ll really appreciate what that means when you make your next, and smaller, monthly house payment!

Finding A Lender

If making the decision to refinance your home mortgage now seems less intimidating and more manageable, you should start looking for a reputable mortgage lender. You might even consider the company which currently holds your mortgage, because they will be highly motivated to help you refinance your home mortgage, even at a lower interest rate.

If you want to search for a new lender, you can begin online. There are hundreds on Internet websites offering to help you refinance your home mortgage, and by reviewing their loan packages you will be able to get an idea of what is currently available.

Many of these services have side-by-side mortgage comparison charts, which really help streamline your search. They also let you start the loan application process online.

If you would be more comfortable working with a brick and mortar lender in your area, you can use the information you find online to bargain for the best refinancing terms. The home refinancing market is an extremely competitive one, and you definitely do not need to grab the first offer which is presented!

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Christian Mortgage is a term used wherein Christian principles are used by the mortgaging company to mortgage loans to its customers. Many a times the mortgage offered by these companies are limited to only Christian customers.

It is imperative to know however what Christian principles for Christian mortgage are.

The Christian principles for lending a mortgage have been same since the time Christianity has been founded. The principles of Christian Mortgage are as follows:

“In-debt

According to the Christian principles, debt is not wrong because in Duet 28:12 God said, ” you will lend to many nations, but you will never need to borrow from them.”

Thus, this principle defines that God would not allow anyone to be a lender.

According to the Christian Mortgage, if the worth of your home is more than your mortgage, you can sell it anytime and get out of the bondage.

“Plan the entire future financial picture carefully

Luke 14:28-31 “King would ever dream of going to war without first sitting down with his counselors and discussing whether his army of ten thousand is strong enough to defeat the twenty thousand soldiers who are marching against him”

Thus, acquaint yourself with the current cost structure and estimates for all the cost that may arise. Christian Mortgage Advice: Do not opt for something that does not suit your budgetary plans.

“Less than you can afford

The Christian principality underlines that man must not desire more than he can have, it is then termed as greed. Thus, the mortgage company functioning under Christianity principles will see that you obtain a Christian mortgage which is less than what you earn.

“Do not be blinded by Money

Money, states the Christian principles should be used as a tool and not as a means of living. Christianity terms this as “temptation” and forbids good Christianity followers to be driven by temptation. Christian Mortgage belief that as mentioned in Timothy 6:10 “For the love of money is at the root of all kinds of evil. And some people, craving money, have wandered from the faith and pierced themselves with many sorrows.”

“Be wise

Be wise and generous in your dealings. Christian belief that what goes around comes around, too. You will be rewarded for your generosity. Christian Mortgage, follows the simple principle of : “Blessed are those who are generous, because they feed the poor.”(Prov 22:9)

Thus, following the principles and structures of Christianity various Mortgage companies function, termed as Christian mortgage companies.

Like other mortgage companies the, Christian Mortgage companies help you to draw conclusions which are sound. You can reach to a good conclusion through the well- informed information that the mortgage providers offer.

All the Christian Mortgage companies employ staff who are highly qualified and experienced and have a good knowledge of the market. The staffs are also very dedicated as they sincerely follow the principles of Christianity.

Christian Mortgage companies provide a complete a personal attention and do not let the customers feel left out or out of place. Thus, providing you the best that you can get.

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Clairol Natural Instincts Color, 8C Brass Free Medium Blonde (Pack of 3) Clairol: Natural Instincts Brass Free contains brass-seeking dyes that neutralize brassy tones for healthy, natural-looking hair color and shine. Use it once a month and Brass Free will give you all the color without the brass. Natural Instincts Brass Free contains brass-seeking dyes that neutralize brassy tones for healthier*, natural-looking hair color and shine. Use it once a month and Brass Free will give you all the color without the brass. *vs. leading level 3

Counteract Brass
Natural Instincts Brass Free contains brass-seeking dyes that neutralize brassy tones for healthier*, natural-looking hair color and shine. Use it once a month and Brass Free will give you all the color without the brass.
*vs. leading level 3

Naturally stunning hair color

• Brass-seeking dyes counteract unwanted red or orange tones
• Gentle no-ammonia hair color formula lasts up to 6 weeks
• Natural-looking coverage perfect for up to 50% gray

STEP 1: Easy Preparation

DO SKIN ALLERGY TEST 48 HOURS BEFORE EACH APPLICATION EVEN IF YOU HAVE ALREADY USED COLORING PRODUCTS

A. Wet and towel dry hair until damp. Remember, don’t shampoo your hair before you color. B. Put on the Professional Colorist Gloves provided.
	C. Pull up the tab to remove the tip of the Gentle Activating Creme bottle-2 and discard the tab. Unscrew the cap from the Gentle Activating Creme-2.
	D. Open the Color-Enhancing Colorant-1 and pour the entire contents into the Gentle Activating Creme-2.
	E. With finger over the open tip, point away from face, and shake well until the color is totally blended and the mixture thickens.
	F. Apply the color to your damp hair immediately.
ONCE MIXED, NEVER RESEAL OR STORE THE COLOR IN A CLOSED CONTAINER AS IT COULD BURST.

STEP 2: Easy Application

OPTION A: ALL OVER COLOR

For first time haircolor users and those who have not colored for 3 months.

	1. Apply Color Part your hair into small, even sections using the applicator nozzle. Apply color first to your damp roots and then immediately through the length of your damp hair. Do not rub into scalp.
	2. Time It Now that you have applied the color to your hair, leave it on hair for 10 minutes or the time indicated by your Strand Test.
Tips from the Experts: When covering gray, start where you have the most gray. Don’t worry if the color of the mixture on your hair looks different from your desired color. If any color gets onto your skin or household surface, wipe it off immediately with a damp towel. For resistant gray hair, you can leave color on for an additional 10 minutes. Total time should not exceed 20 minutes. For permed or relaxed hair, leave color on for only 8 minutes total. OPTION B: Root Application For users who color every 4-6 weeks.
	1. Apply Color On damp hair apply mixture only to the new hair growth at the roots instead of applying color to your entire head. Save the remainder of the color to use for the rest of your damp hair.
	2. Time It Now that you have applied the mixture to your new hair growth, leave on hair for 5 minutes. Then gently work the remaining color through the rest of your hair (avoid rubbing into the scalp) and leave it on hair for an additional 5 minutes.
Tips from the Experts: For resistant gray hair, you may need to leave color on the root area for an additional 5-10 minutes before working color down for the last 5 minutes. Total time should not exceed 20 minutes. For permed or relaxed hair, leave color on for only 8 minutes total.

STEP 3: Rinse and Condition

1. Rinse Wearing gloves, add a small amount of warm water to your hair and work into a lather by gently massaging. Rinse hair thoroughly until water runs clear. For best results, wait 24 hours before shampooing. 2. Condition Next, apply a small amount (about the size of a nickel) of the Once A Week Color Treat™ Color Conditioning Treatment-3 evenly to your hair. For best results leave on for 2 minutes, then rinse thoroughly with warm water. Save the remainder for up to 5 more weekly conditioning treatments (See Tip below).

Tip from the Experts: Once a week substitute your regular conditioner for our Once A Week Color Treat™ Color Conditioning Treatment to help maintain your healthy, natural-looking color.

What is brassiness?

Most people have some level of underlying red and/or orange pigments in their hair. When hair is colored*, the red pigments can become exposed more than usual, resulting in what is commonly referred to as “brassiness.” Brassiness can be caused by multiple factors, one of which is when a person chooses a shade that is too warm for their current haircolor. The unwanted red and/or orange tones will appear either right after coloring or after color starts to fade.
*with any permanent haircolor product.

Why is Natural Instincts Brass Free unique?

Imagine a color wheel. The warm colors are across from the cool colors, making them complementary because they balance each other out. The same theory applies to haircolor. Brassy (or warm) tones in hair can be counteracted by cool tones. Natural Instincts Brass Free contains brass-seeking dyes made up of the cool tones that counteract brassiness, resulting in healthy, natural-looking color and shine.

Who should use Brass Free?

Natural Instincts Brass Free is perfect for those looking for rich, naturally stunning blonde or brunette color without unwanted red and orange tones.

Is it healthy for hair?

Yes! Natural Instincts has a gentle, no ammonia formula that helps protect hair against dryness during the coloring process. The Natural Instincts formula also contains a unique blend of antioxidants and vitamins C&E. It’s haircolor that actually improves the healthy look of your hair.

How is it different from regular Natural Instincts?

Natural Instincts Brass Free still has all the great benefits of the Natural Instincts women know and love, with an added advantage of being specifically designed for brassy starting shades. Brass Free is offered in a range of shades created to achieve rich, naturally stunning haircolor without adding unwanted red and orange tones.

How long does it last?

Natural Instincts Brass Free is a non-permanent color that lasts through 28 shampoos. The Once-A-Week Color Treat™ Conditioning Treatment, formulated with aloe to nourish hair, helps protect hair against dryness and seals in color resulting in healthier, natural-looking color and shine for up to six weeks.

What products does Clairol make?

Clairol makes haircolor products. Choose from Semi-Permanent (lasts through 8-12 shampoos), Demi-Permanent (lasts through 28 shampoos), Permanent (lasts until your hair grows out or you recolor) or Highlighting & Blonding to help you become colorwonderful™.

Should individuals with natural, uncolored hair use different haircolor products than those who have previously colored their hair?

It depends on the desired result. If you are coloring your hair for the first time and only want to enhance your natural color, try a Demi-Permanent (lasts through 28 shampoos) product close to your natural haircolor. If you want to go lighter, you need to select a Permanent (lasts until your hair grows out or you recolor) haircolor, then refer to the insert that comes inside your box of Clairol haircolor and follow the instructions for first time application.

Should people who want to cover gray hair use different coloring products than those who don’t need coverage?

Most Clairol haircolor products will blend or cover gray hair to some degree. If you have a small percentage of gray (not very visible), use a Semi-Permanent (lasts through 8-12 shampoos) product, such as Loving Care. If you have a higher percentage of gray hair (up to 50%), use a Demi-Permanent (lasts through 28 shampoos) product such as Natural Instincts, which will blend away gray hair.
On the other hand, if you have a lot of gray and want to cover it completely, use a Permanent (lasts until your hair grows out or you recolor) product. If you have 50% or more gray, use Nice ‘n Easy Gray Solution.

How can I test-run a color before committing to coloring my entire head of hair?

Strand test is a simple method for you to test haircolor on a portion of your hair before doing the entire application. (The instructions are in your haircolor box.) It’s an important step because it’s the only way to see exactly how the shade you selected works with your starting haircolor to achieve the resulting color. A strand test will also help you determine the exact timing you’ll need to color your whole head.

Where can I find product instructions?

Product instruction inserts are inside your haircolor box.

BEFORE YOU COLOR: 48 HOURS IN ADVANCE

Take the ALLERGY TEST.

Do the STRAND TEST to determine your optimal coloring time.

Read this entire instruction leaflet before you begin.

IMPORTANT: SAFETY INSTRUCTIONS

HAIR COLORANTS CAN CAUSE ALLERGIC REACTIONS WHICH IN RARE INSTANCES CAN BE SEVERE. TATTOOS MAY INCREASE YOUR RISK OF ALLERGY, TO REDUCE YOUR RISK FOLLOW THESE INSTRUCTIONS:
1. DO NOT USE THIS PRODUCT AT ALL IF:

• You have already experienced any reaction to coloring products.
• You have sensitive, irritated or damaged scalp.

In these cases do not conduct the skin allergy test and consult a doctor before using any haircolor product.

2. PERFORM A SKIN ALLERGY TEST 48 HOURS BEFORE EACH PRODUCT USE even if you have already used coloring products before.

SKIN ALLERGY TEST INSTRUCTIONS

MUST BE PERFORMED 48 HOURS BEFORE YOU COLOR YOUR HAIR:
You will need a cotton ball or swab, a plastic bowl and a plastic spoon.

1. To open, unscrew the entire Gentle Activating Creme cap (Bottle #2). Don’t pull off the tab. Then unscrew the Color-Enhancing Colorant (Bottle #1).
2. Mix small, equal parts of the Color-Enhancing Colorant and Gentle Activating Creme in a plastic bowl.
3. Tightly recap both bottles.
4. Apply mixture to a test area the size of a quarter in the bend of your elbow. Allow to dry. Use remaining mixture for the Strand Test. Do not wash this area for 48 hours. During washing, protect with an adhesive bandage and remove it immediately after washing.
5. Examine the test area during the next 48 hours. If no reaction occurs, you are ready to color. The absence of reaction to this test is no guarantee that an allergic reaction may not occur as a result of a future haircoloring process. However, this test represents an important precaution. Please consult a doctor if you have any doubts.

NOTE: IF A RASH, REDNESS, BURNING OR ITCHING OCCURS YOU MAY BE ALLERGIC. STOP. YOU MUST NOT USE THIS PRODUCT.

WHAT TO DO IF YOU HAVE A REACTION DURING OR WITHIN THE NEXT 48 HOURS OF COLORING YOUR HAIR IF DURING COLORING YOU EXPERIENCE:

• Any stinging or burning and/or rash, rinse immediately and discontinue use as this may be an indication of a more serious reaction. DO NOT color your hair again before consulting a doctor or seeking medical advice.
• Rapidly spreading skin rash, dizziness or faintness, shortness of breath and/or swelling eyes/face, rinse immediately and SEEK IMMEDIATE MEDICAL ATTENTION. IF AFTER COLORING OR ON THE FOLLOWING DAYS YOU EXPERIENCE problems, such as skin itching, skin rash, swelling to eyes/face, blistering and/or skin or scalp weeping SEEK IMMEDIATE MEDICAL ATTENTION.

SPECIAL CAUTIONS

• This product contains ingredients including hydrogen peroxide, which may cause severe eye irritation and possible permanent eye injury. If any product gets into your eye, flush immediately with a large amount of lukewarm water and seek medical advice.
• We recommend removing contact lenses before applying haircolor. If you must wear contact lenses during application and if any product gets into your eye, remove the lens first, then flush immediately with a large amount of lukewarm water and seek medical advice.
• Never use haircolor on eyebrows or eyelashes or if your scalp is irritated or injured.
• Do not inhale or ingest product.
• Do not use if your hair has been colored with henna or metal dyes.
• Prepare and use the product in a well-ventilated area. If you experience inhalation difficulties, move to fresh air.
• Remove all metal objects from hair before and during coloring.
• Wear gloves and rinse hair well after application.
• Keep product in a cool place away from heat and light. Do not mix this colorant with any other product. Do not keep any unused mixed product. Do not leave the mixture in a closed bottle (bottle may expand or burst).
• Product not intended to be used on children.

Keep all haircoloring products out of reach of children.

STRAND TEST

Do the Strand Test each time you color to determine optimal timing and color results. Perms, relaxers, previous color, and the sun can affect your results and timing.
You will need: scissors, tape and a clock.

1. Cut a ¼ inch wide strand from the darkest or grayest part of your dry hair close to the scalp and tape at the cut end. Dampen with water.
2. Completely cover the hair strand with the mixture remaining from the Allergy Test. Start timing.
3. After 10 minutes (8 minutes for permed or relaxed hair), check the strand. If the strand is not the color you want, return it to the mixture and check the color every few minutes for up to 20 minutes.

Fill in your personal color time below:
My timing for desired color: _______ minutes.

USEFUL TIPS FROM THE EXPERTS AT CLAIROL

• Apply color to damp hair that is free of styling product build-up. If hair has build-up, shampoo one day prior to coloring. Do not shampoo immediately before coloring. Your scalp has natural oils that help protect it during coloring.
• To prevent staining, apply a little moisturizer around your hairline.
• For added shine, use Natural Instincts Shine Happy 3-4 weeks after coloring.
• For best results, do not shampoo your hair for 24 hours after coloring.
• If you want to lighten your hair color, or if your hair is more than 50% gray, consider using a permanent haircolor like Hydrience or Nice ‘n Easy.
• If you plan to perm your hair, perm first, and then you can use Natural Instincts the very same day as long as your scalp is not irritated and is in good condition.
• If you plan to chemically relax your hair, relax your hair first, and then wait at least 7 days and one shampoo before coloring.
• If you’ve used a gradual color restorer, henna or metallic dyes, don’t use Natural Instincts until your hair has grown out and the colored areas have been cut off.

• Clairol Natural Instincts Color, 7C Brass Free Dark Blonde (Pack of 3)

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