7 Key Tips for Getting a Self-Employed Personal Loan

Are you looking for a loan when self-employed?

Finding the process more difficult than you expected?

While being self-employed comes with many benefits, the ability to get a personal loan is not one of them. Getting a personal loan can seem like an impossible task without a solid employment record to back you up. Luckily, though, as long as you follow the right tips and tricks it can be done.

Below we’ll give you our top tips for getting a personal loan when you’re self-employed.

1. Get Your Paperwork Together

One of the top things that will help you get a personal loan is to ensure that you have plenty of paperwork to show to your potential lender. The right paperwork can help you demonstrate your worthiness as a borrower.

Before applying for a loan, you should be taking thorough financial records for your business and be tracking your earnings clearly month after month. Ideally, you’ll have been in business for at least 2 years already and will have all of the financial information, bank statements, and records to show that you have a regular income.

While getting a loan is possible without extensive paperwork, it will be an uphill battle if you don’t have the right documents together.

2. Improve Other Financial Factors

When self-employed, it can be difficult to prove your income. Luckily, there are other factors that lenders may also look to for determining your reliability.

One of the top factors is your credit score. Credit scores can range between 300-850 and your score will affect how you look to lenders quite a bit. You need to know your score and learn to understand what it means. If you have a poor credit score, you may want to spend some time building it up before applying for a loan.

Other things that can help you to look more stable and reliable is if you have had a regular address for a long period of time or if you own property. You may want to get documentation to prove some of these other factors as well if they apply to you.

3. Minimize Debts

If you’re trying to get a personal loan when self-employed, you need to make sure that you do anything you can to eliminate any existing debts beforehand. If you have maxed out credit cards or other loans that you’re still paying off out it will make you seem unreliable to lenders and they will be less likely lenders will trust you with their money.

If you can, take some time to knock out a few of your current debts before applying for a new personal loan. If you do, you’ll have a greater chance of getting approved.

4. Sweeten the Deal

There are a few special things you can do that can make it more easy for lenders to trust you and approve you for a loan.

Having a co-signer or guarantor is one of the best ways you can improve your odds of getting approved. However, just make sure that you pay your loan off consistently or someone else may be liable for your debt.

Additionally, it can also be helpful to get a secured loan. With these loans, you’ll need some kind of collateral to put up against your debt such as a vehicle or property. A secured loan can be easier to get approved for since the lender will have a way to cover their losses if you neglect to keep making payments.

5. Compare Your Lenders

Another way you can improve your chance of getting approved for self-employed loans is to make sure that you compare your options thoroughly. Choosing the right lender for your situation can make all the difference when looking for a personal loan.

Traditional bank loans are only one of many options out there for getting a personal loan. Traditional banks will often be pickier than other lenders, so it’s a great idea to consider alternative options.

Credit unions are often a better choice for getting a personal loan and will often be more willing to lend to someone who is self-employed. There are also many online lenders that can be a good option. P2P lending sites can also make a good choice as well.

6. Time It Right

It’s also important to make sure that you’re ready before you start applying for loans. While you may be in need of a loan quickly, if you’re able to wait a bit it may be a good idea.

For example, if your credit score is currently low, then you may want to spend some time to build your score up before applying for a loan. You may also want to wait to apply for a loan if some other parts of your financial situation need some work.

Additionally, it’s also a good idea to wait if you haven’t been in business for yourself very long. Often, lenders like to see at least 2 years of income from self-employed individuals. Waiting until you have at least 2 years of tax returns to show lenders can help improve your chances of getting approved.

7. Be Prepared

While you should wait for the right moment to apply for a loan, once you start seeking a loan you should move fast. This means that you should have all your paperwork, collateral, or anything else that will be required by the lender together and ready.

Ideally, you should be able to move through the application process swiftly with little downtime. Having this stuff together early on can help you be more attractive to lenders and will make you seem more reliable. By having all of your paperwork and other requirements ready early on you’ll have a greater chance of getting a loan in the end.

Improving Your Chances of Finding a Loan When Self-Employed

If you’re self-employed and in search of a personal loan you may be beginning to lose hope. However, be sure that you keep the above tips in mind. By using the tips above, you’ll be more likely to get what you need despite not having a traditional employment situation.

Be sure to consider your loan options thoroughly and get all of your information together before applying. If you do, you’ll be more likely to find a great lender and get the perfect personal loan for your needs.

Stay tuned to our blog for more tips.

Chiropractic Care – Important questions to ask

Everyone wants to lead a healthy and active life! Diseases and physical discomforts make anyone feel low and down. Accidents, nerve injuries, nerve disorders, muscle spasms, bone misalignment, are common physical ailments today. While conventional medicine helps to suppress the symptoms and also treat the condition, people today want a complete cure. Here you need to say yes to alternative medicine and holistic treatment to get the best results. Today, most people count on an expert Chiropractor to heal his/her spine injury as well as hypertension.

Chiropractic care has become popular today! You can get in touch with an independent, expert Chiropractor or seek Chiropractic care sessions from reputed medical institutions. To know more, you can check Guelph Chiropractic Wilson Health.

Before you say yes to a therapy session, it’s essential to ask the correct questions.

  1. What physical ailments can Chiropractors treat?

Chiropractors can treat multiple health conditions. Some of the common problems that they can cure include headaches, back pain, and neck pain. They use Chiropractic adjustments, functional movements, and manipulations. Patients with ligaments, joints, musculoskeletal, and nervous disorders, and injuries can also seek Chiropractic care. These painful ailments impact your nervous system, leading to dysfunction and pain. The Chiropractic doctors advise patients on therapy sessions, nutrition, diet, healthy habits, exercise, lifestyle changes, and other modifications.

  1. How can you choose a Chiropractic doctor?

One of the ideal ways to choose Chiropractic doctor is to search online. Today, the best doctors or medical institutions specializing in Chiropractic care are listed online. Additionally, you can ask references from your friends, family, and anyone you know.

  1. Is it safe to opt-in for Chiropractic treatment?

Chiropractic care is a non-invasive, drug-free, and secure treatment modality! You need to appoint an expert Chiropractic doctor or therapist at work. From spinal to musculoskeletal injuries, this treatment addresses several diseases. Chiropractic care has zero side effects. The after effects are mild and harmless. While some patients feel instant relief, others might experience minimal aches, stiffness, and soreness. But it disappears in some time. According to medical records, pain or minor discomforts usually goes off within 24 hours of the treatment.

  1. Is it apt for children?

Chiropractic care can help children, as well. Most children are physically active and often witness blows and falls while playing or during sports activities. The injuries lead to body pains, neck and back pain, muscle stiffness, and various other discomforts. Every child responds in his/her way with Chiropractic care.

  1. Can Chiropractors practice in hospitals? Can they use the medical outpatient facilities?

The present-day medical ambiance is changing! It is developing manifold. And the Chiropractors are getting acknowledged in hospitals, where they can see and treat the patients. They can also use medical outpatient facilities, for instance, x-rays, laboratories, and many more to cure the patients in the hospital. The hospital privileges were granted back in 1983. And today, medical institutions allow people to book Chiropractic sessions from leading Chiropractors, involved with the institution.

There are several other questions that you can ask a Chiropractor. Session duration and expense are useful queries as well. However, both the session time and cost vary from one patient to the other, based on their ailments. When you ask these questions, you have a clear idea about Chiropractic care.

Not So Sleepy After All: How Can You Use CBD for Energy?

Many people believe that CBD oil is meant to relax you but what if you could use it for the energy boost you need too? We’re all guilty of reaching a certain point in the day where we hit the wall and can no longer motivate ourselves to complete our tasks.

Using CBD for energy could help you to get through the day without lagging. It can be especially useful for people with conditions that cause chronic fatigue. For example, fibromyalgia, ME or MS. So, how can CBD boost your energy levels?

The Complexities of CBD Oil

Many people misunderstand CBD because the science behind it is so complex. CBD works in conjunction with the endocannabinoid system which, among other things, has an influence on energy levels. The body naturally produces cannabinoids which interact with the endocannabinoid system. There will be times when these cannabinoids need a boost. For example, when you are unwell.

CBD will activate receptors in the endocannabinoid system, helping to restore a natural balance. Not only does a natural balance help to give you a healthy dose of energy each day but it also helps to boost your immune system, protecting you from common and easily spreadable conditions, like a cold or flu.

CBD and Your Energy

Now that you know a little bit about how CBD works, how does that affect your energy levels? Studies have shown that CBD can significantly boost energy levels when in regular use. In fact, some of the world’s top athletes are now making CBD drops part of their training routine to give them the extra boost they need.

CBD energy isn’t artificial energy- it encourages the body to energize itself. When the body becomes sluggish and low on energy, body cells become just as unmotivated. Hemp energy strengthens the body cells in order for them to produce more energy and give you the nudge that you need.

A study showed that people who have desk jobs and work on-screen every day tend to become a bit sluggish mid-afternoon. After taking CBD oil, these people found that they were more focused on their work, had deeper clarity of what they were doing and became more productive as a result. CBD oil benefits are endless.

Why Use Oil?

There are different forms of CBD oil and different strains of CBD available. You can buy CBD as a vape, take it as a tablet or even drink it as a tea. So, why choose oil instead of the rest? Simply because it’s the quickest way for the CBD to take effect. By applying a few drops under the tongue, the CBD can enter directly into the bloodstream.

Using an alternative form of taking CBD may mean you have to wait for it to be digested before it takes effect. Using CBD oil means you’ll begin to feel the effects almost immediately.

Does CBD Make You Sleepy?

You’ve probably heard that CBD oil can make you feel relaxed and even tackle mental health issues like anxiety and depression. So, how can it boost your energy at the same time? There are different strains of CBD that contain different levels of THCV which is the energizing cannabinoid.

The higher the level of THCV, the more energy you’re likely to gain. For instance, a variation of CBD oil called Durban Poison is known to be high in THCV. Using oil for this type of strain will mean the body can absorb a high percentage of the CBD.

Is it Safe?

Using CBD oil is absolutely safe and legal. There are so many benefits to it, CBD oil has become the biggest health trend on the market. Even Ben & Jerry’s are ready to release a CBD flavored ice-cream. One of the main questions people have when considering CBD oil is, ‘Will I get high?’. The answer is, no.

For CBD to have the benefits it has and to eventually enter mainstream medicine, one of the active ingredients has been removed. This ingredient, known as THC, is what gets people high when they take cannabis. There are no psychoactive ingredients in CBD oil, so you don’t have to worry about the accompanying symptoms.

Like any other form of natural medication, side effects can occur. These can include headaches, fatigue, nausea, and sickness. You should consult your doctor on the dosage before beginning to take CBD oil.

What it Can Do For You

You only have to imagine what renewed energy could do for you. For many people with chronic illnesses, it could mean a whole new lease of life. Perhaps the energy to visit family and friends or enjoy a day out.

For those who just need an energy boost, it can mean that tasks are always completed instead of left to pile up. It’s easy for the to-do list to get overwhelming and one person can’t do everything on low energy. It may mean you cook that healthy meal instead of ordering takeaway, or get to go to the gym after work.

One of the most notable benefits is that people have been reporting being noticed in work. A little bit more energy could be the difference between getting a promotion or being too tired to give your all to a project.

CBD for Energy: Will It Work For Me?

You know the benefits of CBD for energy, now it’s time to put it to the test. Will it work for you? There’s only one way to find out. And, what have you got to lose?

CBD oil is one of the biggest trends in health and wellbeing today and there are many reasons for that. So, if you know someone struggling with low energy, chronic conditions or mental health issues, CBD oil could make a huge difference.

Take a look at some more of this year’s top health tips and get yourself fighting fit.

Top Five Readings You Should Consider For A Funeral

The readings given during a funeral service can act as a way of honouring the deceased, giving hope and comfort to family and friends in attendance and in some instances to pay respect to the faith professed by the dead person.

The choice of reading should depend on the message that you want to pass. If you are seeking religious readings, you should consider the faith of the individual and the message contained for the mourners attending the funeral service.

For other popular readings, you should consider the message that was being passed by the author and the message that will be passed to those in attendance. Additionally, when picking readings, you should also consider the last wishes of the deceased. Some individuals usually leave strict instructions on what should be done as the last rites are being carried.

This article will explore some of the most popular spiritual, motivational and biblical readings that can be read during the last funeral rites.

1. Let Us Be Contented by Sir Winston Churchill

This is a verse that was written by the former Prime Minister of Britain Sir Winston Churchill. It can act as a comfort to mourners by helping them understand that death should not be just about mourning but rather a celebration of a life well lived.

2. She Is Gone/ He Is Gone by David Harkins

The uncertainty, pain, and loss left in the wake of death of can leave loved ones feeling that there is nothing to look forward to. This poem by David Harkins was written with a view of giving hope to the bereaved. It tries to give hope by showing that death is but another step in a journey. It should be a celebration of life and not a sombre and dark event.

3. Psalms 23

This reading is highly appropriate for a Christian funeral. Not only does it pay tribute to the Christian faith, but it serves to show the bereaved and other mourners that though a loved soul has departed from this earth, they are still guided and protected by the grace of God in the new chapter of the journey of life.

4. Farewell My Friends by Gitanjali Ghei

This reading was composed by Gitanjali Ghei is otherwise known as the girl who conquered death. This touching peace can be read at a funeral as a dedication to the family and friends who have been left behind by the deceased. It can act as a comforting dedication to those who loved the deceased making them understand that death is a rite of passage, but one lives on as long as they are remembered by their loved ones.

5. Instructions: A Poem by Arnold Crompton

One of the hardest things to do after the death of a loved one is to move on. This poem was composed is meant to be dedicated by mourners who are attending the funeral of a loved one. It tries to offer hope that though death is a solemn occasion, it is not good to linger on the sombre and solemn part. Instead, the funeral should act as a celebration of a life that has been well lived by the deceased.

Choosing the readings for a funeral service can be a daunting task. However, to get the best fit for a service, you should ask yourself the following questions. How did the deceased live their life? How would they have wanted their life celebrated?

Keep in mind that choosing the right reading can make the funeral service easier and more bearable for those in attendance for those in attendance.

Butt Workouts at the Gym to Help You Get that Peach Booty

Did you know that the gluteus maximus is the biggest muscle in your body?

Not only that, but it serves a lot of essential functions like ensuring you can stand upright and aiding in hip and thigh movements.

Whether you call it your butt, derriere, fanny, backside, peach, or booty, there is no denying how important it is to perform butt workouts at the gym or at home.

But how do you know where to start? Which workouts and exercises are best to build a booty that’s healthy and aesthetically appealing?

We’ve taken all of the guesswork out of the equation and put together a perfect booty exercise program that’ll get you the peach shaped butt you desire. So, take a seat on that gluteus maximus and read on.

Butt Workouts at Home

Don’t be fooled into thinking that you need an expensive gym membership to get toned buttocks and thighs. You can undoubtedly work your booty at home by incorporating some of these bodyweight exercises into your regimen. As a bonus, these exercises will also work your cardiovascular system, helping you burn a ton of calories.

Squat Jacks

Jump Squats

Jumping Lunges

Side-to-Side Squats

Step-Ups

If you’re a beginner, perform the exercises for 30 seconds each one right after another. If you’re advanced, perform them for 60 seconds each. Once you’ve completed all five exercises, take a one minute break and re-do the circuit. Beginners perform the circuit 3 times through; advanced exercisers, perform it five times.

You can use this circuit as an entire workout on its own or tack it onto the end of your usual home routine as a finisher.

Butt Workouts at the Gym

If you have a gym membership, you will have access to much more equipment than you would from home. With dumbbells, barbells, cardio equipment, and squat racks at your disposal, it’ll be much easier for you to create an advanced glute workout on your path to building that peach booty you’re searching for.

Squats

Possibly the best exercise to get a bigger booty fast is the squat. There are several different variations of this exercise to include in your workout regimen. We recommend starting with the traditional squat first as it’s the king of booty-building exercises.

Once you have the hang of the traditional squat, you can begin incorporating other variations like the front squat, sumo squat, and split squat or even try changing the position of your feet in the traditional version.

The tricky thing with this exercise is that so many people do it incorrectly. If you have never performed squats a barbell before, we highly recommend hiring a personal trainer for even just one session or two, until you get the gist of how a correct squat feels.

Hip Thrusts

Also known as the “don’t make eye contact with me,” the Hip Thrust is one of the more awkward exercises to execute in a public setting. It should be something you incorporate into your routine, however, as it’s incredibly beneficial to your booty building goal.

The two primary keys with this exercise are to (1) make sure you’re not straining your neck and (2) lift heavy. You might be surprised at how much weight you’re capable of thrusting.

Lunges

Remember the Dukes of Hazard movie from 2005 and how amazing Jessica Simpson looked in her Daisy Dukes? One of her exercises of choice was the lunge, so of course, we had to include this on our list.

Similar to the squat, there are a ton of different varieties of lunges you can perform to help build your glutes – stationary, walking, alternating, side, and cursty, to name a few.

This exercise targets most all of the muscles in your lower body, including the glutes, so it’s a great option to include in regimen even if booty-building isn’t on the top of your list.

Why Training With Weights Works

Strength training is an integral part of any exercise program. If you want to create a shapely behind, you’re going to need to resistance train. There’s no getting around it.

Weight training provides a whole host of benefits, including, but not limited to:

– increasing lean muscle mass

– increasing bone density

– weight management

– promotes better body mechanics

– chronic illness management

Cardio for Booty Building

Building that peach-shaped butt isn’t all about training with weights, though. There are a lot of cardiovascular exercises you should incorporate into your exercise plan to help give your booty a boost.

Stairclimber

This might very well be the most hated cardio machine of all time. Climbing stairs in your day-to-day life is hard work. Climbing stairs during a workout? Even harder, if you can imagine.

There is a right and a wrong way to workout on the Stairclimber, though. We recommend going at a slower pace than you might typically see at the gym. If you go too fast, you’re going to wind up hunched over, with a lot of your body weight on the arms of the machine. This is not effective and is cheating.

You need to go slower, making sure you’re focusing on pushing through the heels on each step.

No Stairclimber at the gym? Get out in the world and climb some real stairs. These might be even more challenging,I mean — effective.

Treadmill

Inclines are your booty’s best friend. Sprinting on an incline is one of the fastest ways you can get strong fast and lean. You need to approach this training modality with caution, however. Fast speeds on treadmills can get dangerous quickly in more ways than one. You don’t want to be “that girl” in the gym who flies off the treadmill during the 6 p.m. rush.

Even walking on an incline can help build your glutes and hamstrings. Don’t be fooled into thinking walking can’t be a good workout, either. Adding an incline boosts the booty building capabilities of this workout.

Diet & Supplementation

One of the biggest things you need to remember as you embark upon this journey of building your glutes is that to grow muscle, you need to feed it.

Read that again.

To grow muscle, you need to feed it.

If you want to build muscles, you need to eat enough and, more importantly, enough of the right foods. Protein is essential as it will help with muscle growth and repair, so make sure you’re taking in enough protein every day.

There are certain supplements you can take that can help you with your fitness goals, too.

Protein powder is an easy and fast way to boost your protein intake for the day. We recommend having protein powder post-workout.

Branched-Chain Amino Acids (BCAAs) is another you might want to consider as it can help with muscle recovery post-workout.

Build That Booty

Now that you know some of the best butt workouts at the gym, the time has come for you to get out there and incorporate some of what you’ve learned.

If you still need some more motivation, check out our blog on how to plan your own successful fitness regimen.

Harmful Effects of the use of alcohol on Human Brain

The impact of alcohol on the human body begins from the moment your first draught. When you start drinking alcohol, you feel sociable, happy, confident and relaxed. It is a drink that is taken for pleasure and peace of mind. All its pleasurable effects are unable to deny. It makes it simple to forget the harmful effects such as plenty impairments, impaired motor functions, impaired memory, poor judgment, warped thinking, reduced coordination, slowed reflexes and many more. The negative impact occurs whenever you drink it. Drinking alcohol can cause high blood pressure, heart disease, cancer, brain reduction and many more.

Aside from the harms on the body, the use of alcohol can cause societal withdrawal, violent behavior, anxiety, and depression. For understanding alcohol abuse on human actions, you must learn about its impact on the brain. A small amount of alcohol if it is taken frequently can cause an increase in unprotected sex, dangers of domestic violence, injury, suicide, motor vehicle accidents, and drowning. It causes unbelievable damage to the human brain in routine life. Some of the common disorders due to alcohol are given below.

Stress

Alcohol creates stress, and it is behind several mental and physical health issues. It is not suitable for health because it damages the body in different ways. It can create brain fatigue and inflammation. The reason behind it, are the changes in three hormones that control mood through dopamine, Serotonin, and cortisol. Cortisol is the hormone that activates during stress for keeping you awake and alert. Dopamine and Serotonin help you in keeping fresh, jolly, motivated and calm. Due to the disturbance in the hormone secretion, the brain function gets disturbed.

Neurodegenerative Disorders

When a person loses some brain faculties due to the structural changes in the brain, he/she has to face neurodegenerative disorders. Due to the use of an excess amount of alcohol, cognitive abilities are disturbed patient feels difficulty in retrieving a memory, processing information, and learning. It kills the brain cells and impairs cognition permanently.

Getting complete knowledge about your disorder is your first right. Search and learn about your mental issues. Before treating brain disorders, you must focus on the causes of the problem. Frequent use of alcohol can make the situation worse for you. Knowing about an object is essential for the treatment.

Brain Fog

One of the most severe brain disorders is brain fog.  Do you feel that you are distracted or forget things? It is a visible sign of brain fog. It is a state of clouding of consciousness that can be mild or severe. It can create mental confusion that can strike you without any warnings. The reasons behind this mental disorder are side effects of medications, neurological disorders, nutritional deficiencies, substance abuse, stress, lack of sleep and others. Its visible signs are difficulty in learning new things, lack of mental clarity, confusion, and poor short term memory. It can be harmful to your routine, personal and professional life if it is not treated on time.

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Restore Confidence And Health By Reducing Debt Stress

Whether you have a huge medical bill to pay or multiple credit card debts, you will surely face the impact of having too many debts on your physical and mental health. If you are experiencing deteriorating mental health while dealing with your debt there are easy and effective ways in which you can overcome it.

  • There is no point or prudence in ignoring debt and even worrying about it too much without doing any constructive to reduce your debt.
  • At any cost, you will have to make proper arrangements for the repayment of the debt or debts that you have as you are legally obligated to the creditor to do so.

There is no other alternative if you are already in debt but to manage your existing as well as new debt efficiently. This will relieve the mental stress that is the primary reason for deteriorating health.

You can take the help of several charitable organizations available out there that are eager to help out people who are in distress.

Steps to follow

Believe it or not, staying healthy will have an effect on your debt and on the other hand, staying in debt stress will affect your health. Both are interconnected and that is why you should not only address your debt stress but also look for ways to restore your physical health as well. There are a few easy steps to do it but these required diligence and effort.

  • First, you will need to make sure that you are in a peaceful state and have a positive frame of mind when you are in debt. This will help you a great deal to address the debts that you currently have.
  • Since stress can lead to depression and anxiety to varying levels according to the degree of mental stress. It will slowly but surely deteriorate your mental and physical health leading to several ailments as well. In order to ensure that you do not let debt take its toll on your health, you must commit and admit your debt.

Focus on ways in which you can stay fit and healthy, which is a very important aspect that will improve your mental state which is essentially required when you are in debt. If you are mentally fine, you will not panic about your debt and worsen your mental as well as physical health. The simple ways in which you can do this include:

  • Trying eating a balanced and healthy diet which will provide your body with the required energy to work more when you need to earn more
  • Jogging, walking or biking that will act as a good stress reliever and will also improve the quality of your sleep.

Just a little bit of time devoted to exercising you will be stress-free and not worry about your debt.

When you take care of the psychological aspects of debts to stay fit you will not make your debts reach to any unmanageable limits and look for settling with your creditors and run into the risk of damaging your credit score. Remember, such debt relief options will have a serious effect on your credit score. If you go through the different debt settlement reviews you will find lots of people suffered due to this.

Stress does not help

Debt is typically linked with the emotional as well as the psychological aspects of human nature. It is a natural feeling of pride and achievement that people derives when they spend money and it creates a chain reaction that leads to more debt.

  • It is this feeling that affects your spending and in most of the times it is boosted up unnecessarily
  • When you cannot meet your spending needs or arrange for the money to buy anything, you tend to feel depressed and at a loss
  • You then start to look for alternative ways and borrow money or take on further debts and the most common form of such debt is the credit card debt.

That means indirectly this does not help your financial health in many ways at all. Instead, you take on more debt and sink deeper into the quicksand by incurring expenses that are not at all necessary given the present financial condition.

Therefore, try to avoid this safest path to tackle your psychological aspect of debt and refrain from any such impulsive spending. Slowly, this will turn out to be an addiction jeopardizing your health and finance both.

Stay stress-free

If you want to be happy in debt and healthy, you must not let the stress of debt affect you, no matter whatever is the size of it. You may not stay away from the path of debt but you will need to know the ways to deal with the stressful situation yourself> However, there is no shame in taking help of professionals for that matter.

  • In order to stay free from the harmful effects of debt, you will need to keep it manageable always. For this, you may take out a credit card debt consolidation loan to combine the multiple debts into one. This will reduce your worries and stress as you will need to focus on one single debt now.
  • You must follow a planned and strategic process to deal with debt effectively, stay healthy and escape stress and anxiety. When you do so you will see that debts will not affect your personal relationships, professional career or your social bindings.

You must be very proactive with your debt to take immediate action so that the accumulating debt does not affect your thought process compelling you to make irrational and erratic decisions.

Talk with the people you trust about your debts so that you can get better opinions and help when it comes to choosing one feasible option for debt relief amongst many. Remember any delay in taking action will result in chronic health problems such as blood pressure, insomnia and even heart diseases.

It is only these proactive measures that will restore your confidence in managing your debts and your health.

What Is Holistic Medicine and What Treatments Are Available?

Did you know that 38% of U.S. adults use some form of complementary and alternative medicine (CAM)? Almost 12% of children also went through CAM treatments.

This rise in CAM usage has led to many American medical schools now offering courses on them. In fact, almost one in three med schools in the U.S., including Harvard and Yale, now do.

A huge reason for this surge in popularity is that CAM therapies are part of holistic medicine. There’s also the fact that mainstream medicine has become too expensive. In 2018 alone, the average health care spending was $11,212 per person.

What exactly is holistic medicine though? How does it differ from conventional medicine?

All these questions and more, we’ll answer in this post, so be sure to keep reading!

The Philosophy Behind Holistic Medicine

Holistic medicine approaches health and healing by considering the whole person. Instead of focusing only on the “current” complaint — it factors in the body, mind, and emotions of the patient. Holistic doctors believe that proper balance in life is key to optimal health.

As such, holistic healing believes that to be healthy, the whole body needs to work properly. If one suffers from an emotional imbalance, the rest of the body suffers too.

For instance, you may have noticed you’re getting more stomachaches. Your muscles also tend to be tense and painful, which make it hard for you to sleep at night. Even if you do, you still feel tired throughout most of the day.

These are physical symptoms, but they may be signs of high-stress levels. In fact, these are also signs of anxiety disorders. Note that anxiety affects 40 million Americans, and almost half also have depression.

If you go to a holistic doctor for your stomachaches, this won’t be the only issue addressed. The doctor will also consider the possibility of stress that may be causing your tummy aches.

Forms of Health Care Used in Holistic Healing

A holistic doctor uses a variety of healing practices, including CAM therapies. They may also use mainstream medicine in their treatment.

Let’s say you’re one of the 38 million Americans who suffer from migraines. If you opt for holistic healing, the doctor will not only prescribe you with pain killers. The doctor will also consider any other factors that may be causing your condition.

This can include your sleeping habits, stress levels, diet, and even personal problems. From there, the doctor may recommend lifestyle changes that may reduce your migraines. This can be adjusting your sleeping time or even getting chiropractic treatment.

As you can see, holistic medicine is a more custom approach to better health. After all, each person has different health needs and circumstances. Holistic doctors consider these individual needs to address one’s unique health concerns.

CAM Therapies in Holistic Healing

Almost if not all holistic health programs involve CAM therapies and treatments. They can include traditional medicine, touch therapy, and the use of herbal medicine.

Traditional Alternative Medicine

CAM practices include traditional alternative medicine, like acupuncture, homeopathy, and naturopathy. Many of these have roots dating back hundreds of years ago. Acupuncture is one of the most common CAM treatments, with over 14 million people in the U.S. having used it.

The Power of Touch

Massage therapy and chiropractic care are also often used in holistic healing. These use the healing power of touch, a concept backed by science. In one study, 40% of participants said massage therapy helped lessen their pain.

Diet and Herbs

A poor diet can raise your risk of major diseases, like heart disease and diabetes. In fact, a study found a link between diet and almost half of U.S. deaths caused by these diseases in 2012.

This is why holistic doctors also consider one’s eating habits. They recommend dietary changes and using herbal medicine. This informational post talks about one of the science-backed herbal medicines out there.

Mind Healing

Almost eight in every 10 Americans feel stressed out. Almost half even say they experience it frequently.

It’s no wonder then that more and more folks in the U.S. are getting sick. After all, too much stress is a catalyst for diseases such as heart disease, diabetes, and obesity. It also speeds up aging, which is likely the reason stress can also increase risks of dementia.

Holistic doctors approach this mind and body connection by first healing the mind. Meditation is one of the most common mind healing practice. Some also use hypnosis and biofeedback to boost their patient’s mental health.

Western Medicine and Procedures

Western medicine is the type of healthcare practiced by medical doctors and professionals. These include your primary physician, cardiologists, surgeons, nurses, and pharmacists.

Holistic doctors work with them such as if there’s a need for prescription drugs. They also work with the doctors of patients who need surgery. After surgery, they help patients with rehabilitation.

In fact, holistic health practitioners are often medical doctors themselves. In the U.S. there are about 6,000 licensed naturopathic doctors alone.

Lifestyle Changes for Improved Well-Being

Holistic health programs also include educating patients about lifestyle changes. These often involve dietary changes, exercise programs, and stress-relief techniques.

Doctors may also offer psychotherapy or talk therapy to address mental health issues. Family, relationship, and spiritual counseling can also be part of a holistic program.

Consider Holistic Healing Practices for Better Health

As you can see, holistic medicine can be a great addition to your regular healthcare regimen. Not only can it be more affordable — it can even help you cut your medication intake! Especially for potentially-addictive opioids, which doctors issued 191 million prescriptions for in 2017.

So, consider holistic healing now for a more personalized approach to better health! The sooner you work with a holistic doctor, the sooner you may feel better and live healthier!

7 Signs of an Unhealthy Gut and How to Fix It

Our gut holds 80% of our immune system. If you want to be a healthier, happier version of yourself, take a look into what we mean by “gut health”. Get ready to make some simple changes that will improve your life.

Here are 7 signs of an unhealthy gut and how to fix it. But first, let’s talk about the functions of the gut microbiome.

What is the “Gut Microbiome”?

Microbiome refers to microorganisms that live in a particular environment. When talking about the digestive tract and gut, we’re talking about bacteria that live there as opposed to other areas of the body.

There’re around 500 different species of bacteria in the digestive tract. This comprises of both good and bad microorganisms.

Current estimates say that we have a 1:1 ratio of human cells to bacteria. They’re prevalent, but what do they do? The gut microbiome ties into all of our body’s systems, including the immune system as previously mentioned.

When our gut microbiome becomes off-balance, we suffer from many illnesses such as metabolic and allergic diseases, skin conditions, mental health issues, and cancer.

How do you know if you have an unhealthy microbiome? There are tests available to see how it’s doing.

How does microbiome testing work? Well, it’s not as simple as taking one test and knowing the entirety of your gut health. Testing shows your system at one point in time, which doesn’t account for daily fluctuations.

Rather than getting a test, consider observing symptoms of an unhealthy gut and doing what you can to correct it.

Signs of an Unhealthy Gut

1. Stomach Issues

Perhaps it occurs right after you eat or well after your body digests food. Indications of an unhealthy gut are bloating, constipation, diarrhea, heartburn, and gas.

When you don’t have the proper balance of bacteria in your body, your stomach can’t break down food correctly. This results in digestive pains and symptoms.

2. Skin Irritation

An excess of unabsorbed protein in your system causes your skin to flare up. This could manifest as acne or eczema.

3. Sugar Cravings

If you have a high-sugar diet, you’re bound to be in a cycle of sugar cravings. The stomach has a hard time with processed sugars, resulting in an inability to regulate blood sugar and digest normally.

Cutting sugar will have an effect on more than just your gut.

4. Suppressed Immune System

Do you seem to get sick often? Are infections a regular occurrence for you?

As we mentioned before, the gut holds 80% of our immune system. So, if you notice that your immune system isn’t very strong, it could be your gut.

5. Mental Effects

If you suffer from anxiety or depression, this could be an indicator of your gut health. The same thing goes for unexplained mood swings and irritability.

One of the systems affected by gut health is the endocrine system. This is the system in the body responsible for hormone production and regulation.

Our brain and systems do everything they do because of hormones (and other intrinsic factors, of course). Thus, an imbalanced gut negatively affects the endocrine system.

Another mental effect is poor memory and concentration. If any of this sounds familiar, it would be worth doing more research to see how you can improve your gut health.

6. Sleep Issues

Do you have trouble sleeping? Do you feel tired all the time?

Again, this may link to an imbalanced gut. Hormones such as melatonin play into your sleep cycle.

If you feel tired all the time, it could be due to the fact that your body isn’t getting enough energy from the food you’re eating. It may have a hard time getting everything it can out of what you ingest.

7. Food Intolerances

Speaking of what you ingest, do you find that eating some foods cause your stomach issues to flare up? We’re not talking about food allergies here.

Difficulty digesting is a common sign of an unhealthy gut.

If you relate to any of these symptoms, there are things you can do to improve your gut health.

Things to Make Your Gut Healthier

Stay Hydrated

Hydration is key for your body to work as it should. There are various suggestions and research as to how much you should drink.

A general rule of thumb is to drink when you’re thirsty. Your urine should be more clear than colored.

Eat Slowly

This gives your digestive tract more time to process food rather than having to do it all at once in a short period. Eating slowly is also a good mindfulness practice and a way to keep from overeating.

Stress Less

Stress has a physical impact on your body (a perfect example of this is headaches).

To stress less, try exercise as an outlet. This is hitting two birds with one stone, as exercise is also a gut-booster.

Take Supplements

Alongside a daily vitamin, consider taking prebiotics and probiotics.

Prebiotics feed the good bacteria in your gut. Probiotics are actually live bacteria. You can get prebiotics and probiotics naturally from food, but if you have an off-balanced system, it would be wise to supplement in addition to that.

There are also many nutrient supplements that improve digestive health. These include vitamins A, C, and E, L-glutamine, and fish oil. To really get your body in a healthy and happy place, consider herbal supplements.

Cut Out Bad Food

This includes processed sugar and inflammatory foods. If you notice your system has a hard time digesting something, try not to eat it and see how you feel without it.

Research shows that high-fat diets reduce healthy bacteria in your gut. So, eat different food groups in moderation and eat in moderation in general.

Eat More Good Food

The gut loves soluble, high fiber foods. This includes beans, oats, some fruits, and greens. Garlic and onion also have beneficial effects on the digestive system.

Opt for more collagen-boosting and fermented foods.

Small Changes Can Make a Big Difference

If you’re overwhelmed by changing your entire diet and lifestyle, try implementing small change. You’ll notice a big difference over time.

Keep doing research on how you can make your body — the house you live in — the healthiest and most functional it can be.

In the meantime, follow our Facebook page for updates and check out more health-related content on our blog.

Potential Overpayment Or Other Liabilities Money Lenders Consider In Health Care Sector

When it comes to health care the bills are not only high but can be confusing for a layman as well. On the other hand, processing and verification of these bills may take some time, especially when it comes to Medicare, which adds to the complexities as well. Chances are, a bill can be either overpaid or underpaid along with other complications that a money lender dealing with such specific sectors need to consider.

It is important to understand the features and factors of UCC or Uniform Commercial Code because every transaction must be made according to the UCC and its rules.

  • According to UCC, the secured creditor is termed as the “assignee” of any account. This secured creditor will be eligible to as for a security interest when it comes to account receivable.
  • It is also required to ensure that all such transactions are subject to all the terms and conditions mentioned in the loan contract that is signed after an agreement is reached between the account holders or the third party and the borrower commonly termed as the assignor.
  • In addition to that, it is also required by the UCC that any claim or defense that may rise from any contractual relationship must be settled as per the terms and conditions of the agreement as well. This is called the “recoupment” of claims.
  • Apart from that, the UCC also states that the assignee or the secured party is also subject to any other claim or defense raised by the account debtor against the assignor. However, such claims must accrue before the receipt of any notification of the assignment by the account debtor. These specific claims are called the “setoff” claims.

All these means that a lender, whether it is a traditional bank or the borrowers prefer to seek a loan from any online money lending source such as https://www.libertylending.com/, must be aware of all of the other liabilities along with the chances of any potential overpayment that may have been made even years before the company entered into the specific lending relationship with the borrower.

This means, all the claims must be made within the statute of limitations but when it comes to Medicare and other specific health care insurances, the federal agency cannot make any stale claims. However, recovery or adjustments of any previous overpayments can be made by the agency according to the rules set by the government.

Role played by the courts

The courts also play a very important role in dealing with the issues that needs to be addressed immediately. Generally, when it comes to dealing with these issues, UCC states that a secured creditor is actually subject to any existing right for the setoff of such issues. The court ensures that and along with it, the court also ensures that:

  • The right of recoupment of the third party is set accordingly whether or not the same existed before perfecting the lien of the secured creditor.
  • In addition to that, the court also demonstrates that the lien of the secured creditor is subject to the right of setoff.
  • However, the court also ensures that this right of setoff is in existence and in proper alignment with the time when such assignments were made.

All these focus on the addressing of the priority of payments which is typically in the context of the secured health care financing.

The Medicare receivables and its features

In such situations, the company has to enter into a financial agreement while financing any health care facility that will give the money lender a specific security of interest in the Medicare receivables.

  • In fact, Medicare has already moved for relief from its automatic stay that is imposed at the start of a bankruptcy situation where it sets off all of its prior overpayments as against all of the ongoing payments.
  • In such situations the secured lender can oppose the motion claiming inter alia and state that the rights of it as agreed as a secured creditor has given it the priority over the setoff rights that are laid down by the government.

However, in such cases the court keeps a note of the UCC which provides the money lenders with a right to setoff. This setoff rights may be asserted against the assets that are otherwise subject to a specific security interest. In case the setoff right arises before the notification of the account assignment is made, the statutory rights set by the government to offset the Medicare payments will come to the effect. These rights are normally published in the US Code.

Notice of the setoff rights of the government

When it comes to lending money to the healthcare sector by the asset based money lenders, all secured money lenders are usually on notice made by the setoff rights of the government. This is done before making any perfection in the security held or grants made on which the normal and agreed rate of interest may be applied and incurred.

  • In addition to that the court also has the right to verify whether or not the company is actually following the UCC rules as set for lending money to the health care industry or payments made according to Medicare benefits.
  • In such cases the court ensures and notes that the secured creditor is actually notified about any other parties involved with the potential claim against the accounts receivables for the specific assignments before the right of setoff actually arise.

To sum up

It is all about the mere filing of the financing statement and fulfilling of the clauses and terms mentioned in it. It is important because the other unsecured creditor typically has no legal right or obligation to check on the UCC clauses on filings and its fulfillment.

In such a situation, the lender is usually offered with no evidence that will prove that the Medicare program in these situations has actually received a notice of the security interest prior to setting off the rights that the court granted in favor of the motion of Medicare.