Month: May 2018

Fish Oil Supplements – The Miracle the World Has Been Slow to Take Notice Of

Why has the miracle of fish oil supplements not come to the attention of the world sooner? The benefits to health are so numerous that thousands of words could be written on them. However, although the information has been around for many years (after all, many Grand Mothers knew the benefits of cod liver oil), there are reasons why it has not been more widely accepted and acted upon.

  1. Traditional methods of extracting oil from fatty fish made a product which was very unpalatable and left a long lasting after taste.
  2. The product was not used in higher enough doses.
  3. Other changes in diet need to be effected in order to gain the full benefits.
  4. The toxins and impurities in ocean fish meant that it was a health risk to consume their processed fat.
  5. Drug companies and traditional medical personnel were not keen on the information being widely publicised, because of financial vested interests.

Today we have pharmaceutical grade fish oil available in concentrated form in capsules. It is now very safe to consume, easy to take and our improved understanding of the science means that adequate doses can be recommended. The cost of this miracle product is not a major problem – you can buy a month’s supply for less than twenty dollars.With the correct dose of between 2 and 4 grams per day, we can combat and even reverse heart disease, cancer, dementia, diabetes and other chronic ailments. Other dietary changes involve eating less saturated fats and eating more fresh fruit and vegetables. Reduce your intake of grain based products which are rich in omega 6 fats. Make these changes and you will truly see the miraculous benefits of a fish oil supplement.

Martin Durie is an Organic Farmer and highly recommends you go to [http://best-supplement-site.info] for excellent information and advice on omega-3 fish oil.

 

Are Miracles a Blessing Or a Curse In the 21st Century?

When you hear of a miracle, whether in the First Century or in the Twenty-First, do you rejoice and feel uplifted, or do you wince and think of all sorts of problems? Even if you find them believable, do you worry that they create an obstacle to faith rather than a pathway to it for many other people? Does it mean that the Church can only attract people of an extremely credulous or unscientific mind? To make things worse, if people cannot believe one thing we tell them, why should they believe anything else we say?

Let me set out the five main reasons why this is a problem.

1. The God of the Gaps. A lot of people have used God as an explanation for gaps in our scientific knowledge. This God has, of course, shrunk a lot during the 20th and 21st Centuries. Miracles have been used to strengthen belief in this God. However, what was an inexplicable miracle in the past can now be easily understood as a scientific phenomenon.

2. Obscurantism. The Church, or parts of it at least, has been guilty at times of trying to suppress inconvenient information of various kinds, causing people to suspect that knowledge was the opposite of faith. Stories about miracles could be seen as inventions devised to confuse or confound the Church’s critics.

3. Psychology. We now have a better understanding of how the human mind works than our ancestors had. We can understand that people might have genuinely believed they had witnessed a miracle when they had not. Perhaps they were merely trying to make sense of something they did not understand, or they could have been suffering from some kind of mental breakdown.

4. Coincidences. Some events have been described as miracles even when they were obviously explicable even at the time, but were apparently very unlikely coincidences, especially if they seemed to have been answers to prayer and/or have been regarded as fulfilling God’s purposes on Earth, according to believers.

5. Terminology. Apart from unlikely coincidences in answer to prayer, many events are described as miracles quite inappropriately. Nowadays the word “miracle”, like many others, has been devalued by overuse by the press, e.g. “miracle cure”, “miracle escape” or “miracle baby”, when all they mean is that the event was desirable but unexpected.

Now let us consider three fundamental questions.

A. What is Science? Science is the rational study of the World as it is. It proceeds by examining evidence, applying reason to what it sees, and drawing conclusions. Science should not reject inconvenient facts, such as miracles, just because they do not fit in with the current theories about how the World operates. Of course evidence for a miracle should be tested, just like any other evidence. But it is bad science to begin with your conclusions and write off anything that challenges them. Is that not the same error the Church has all too often made, as mentioned above under “obscurantism”?

B. Does an Explanation Negate a Miracle? Knowing how things work should not prevent us experiencing the wonder of them. I know what a rainbow is and yet I find it uplifting every time I see one. I love the story in the Bible where God uses the rainbow as a sign he will not flood the Earth again. Genesis Chapter 9 Verses 13 to 17. I see every rainbow as a reminder of God’s presence in the World. Science explains how he does it. Sometime people say “Nothing But” as if those words remove all value from a thing. Well, a five pound note is nothing but paper with ink on it. But we know it has meaning beyond the paper and ink. The works of Shakespeare are also nothing but paper and ink. So are the books I have written, but most people value the one set more than the other. A miracle occurs when God puts a special meaning on an event, usually an unexpected and unlikely one, but always one which will have a real significance for those affected by it.

C. Is God Inconsistent? If he created the World and established the laws on which it would run, such as Gravity, why would he do things which break those very laws? He does not! He is consistent because only he really understands his laws. We understand only a part of God’s World. “Now we see puzzling reflections in a mirror: then we shall see face to face; now I know in part, but then I shall know even as I am known.” I Corinthians Chapter 13 Verse 12.

Finally, How Can a Sceptic Believe? Question everything. Including apparently scientific explanations of miracles. God is Truth. He can stand scrutiny.

 

How Crowdfunding Can Help Pay Medical Bills

Crowdfunding can help pay for medical bills… it really is that simple. You can crowdfund for just about anything, including medical bills. Many times people are placed in a medical crisis and aren’t sure where to turn. Medical bills can accumulate in no time and medical bankruptcy is a real thing. You’d be amazed by how many people in “your own crowd” are willing to help.

In a study published in January 2014 from the Center For Disease Control (CDC), one in four families experienced financial burdens of medical care.

This “financial burden” of medical care equates to medical bills that they can’t currently pay and are forced to pay monthly over time.

This study goes on to share that families with lower incomes were more likely to experience the financial burdens of medical care. Those families with incomes at or below 250% of the federal poverty level had the highest levels of any financial burden of medical care.

250% of the federal poverty level (based on guidelines for 2013) means that a family of four with an annual income of $58,875 or lower were at the highest level of the population feeling the financial burden of medical care for a loved one. That’s our middle class America. Those are the families living paycheck to paycheck and not prepared for a medical crisis.

The is a baby with his eyes closed and an oxygen canula in his nose. He was born with a bad heart, a weak immune system, and problems eating which caused a condition labeled by doctors as “failure to thrive”. Isaac spent the first year of his life in and out of hospitals in Las Vegas and at Stanford where he underwent multiple heart catheterizations and procedures, open heart surgeries, and had a feeding tube placed surgically to ensure he received the proper amount of nutrients. Isaac’s family had great insurance, covering 80% of all medical costs. But, they still spent over $100,000 out-of-pocket the first year of his life in deductibles and medical related expenses.

Shocking… right?

I know… My name is Kathy, and I’m Isaac’s mom.

I remember people asking us if they could have fundraisers for us, give us money… they would offer to do anything just to help. At that time, I could not have imagined the costs that we would incur, nor could I imagine all the things that insurance doesn’t cover. You assume that you pay for insurance, you’ll have a deductible… The End.

If that were only so.

Words of Advice:

Start a Crowdfunding Campaign Immediately

Don’t be too humble to let other people offer to help you. You really can’t imagine the costs of things in the medical world and how they add up. It is TOO hard to think about money when you’re talking about the healthcare of someone you love. You want anything and everything done… you’ll worry about the bills later.

From a Mom that’s Been There

Don’t expect the people in the middle of a medical crisis to be thinking clearly (well, I sure wasn’t). If you’re related to the family or just a loving friend… talk to them about the medical bills and the reality of the situation. Talk with them about what they need now and what their needs may be in the future and help them come up with a budget and plan to get everything their loved one needs. From bills, equipment, therapy sessions… even therapy dogs, all these things can be a necessity now or in the future.

How exactly will crowdfunding help pay my medical bills?

Well, they can’t send a check to the hospital for you, but they can offer you a platform that will help you tell your story as well as share it with your friends and family. The right crowdfunding platform will provide support for you all along the way, from guidance writing your story, picking pictures to post, sharing on the social media channels, and even help writing press releases to get national exposure.

Crowdfunding can help you pay for your medical bills by allowing YOU to take care of your family and letting your “crowd” help YOU. Donations will be made by people you have inspired and want to help you. These people will have a platform to donate to you on their schedule and an amount that is within their means. They will be assured that the funds are going directly to YOU and not an anonymous organization.

You are not alone in your medical crisis. Crowdfunding is a viable source for helping to pay for medical bills and other medical related necessities.

The Process of Car Repossession – Understand It So It Doesn’t Happen to You

In a perfect world, things would always go as they should.

Sometimes that’s just not the case.

If you’ve found yourself in a bind or on the verge of falling behind on your payments. The best thing to do is contact your credit card, mortgage or auto loan companies and explain your situation.

Take action

If you have a car loan, you understand the importance of paying your loan on time. If you cannot make your payments on the exact due date.

You are granted a 30-day grace period to make a payment without having this late reported to the credit bureaus.

If you don’t think you’ll be able to make a payment before the 30-day grace period ends or foresee yourself being in a bind that will last longer than 30 days, there is something you should know.

Ignoring calls from your creditor is the wrong route to go.

*While you may feel embarrassed or reluctant to contact your creditor, you are not alone. Thousands of people fall behind on their payments due to financial hardships. The person on the other end of the phone is trained to handle these types of calls and will be more than willing to help you the best way they can.

What should you do?

Most car loans have a stipulation that allows you to defer your payments for a short amount of time while you get your finances situated. Other options besides deferment might be offered such as lower payments until you can make the full payment.

Your options will depend on your specific car loan and terms agreed upon at the time of sale.

If you are currently in good standing:

Call your creditor and explain that you’ve had some setbacks and ask about your options to defer your loan payment until you can make payments. This will usually give you about 2 months to catch up.

If you are currently not in good standing(late beyond 30 days):

Call your creditor back and explain that you’ve had some setbacks and would like to make a plan to catch up on your payments or defer a future payment. Ask about your options to defer your loan payment until you can make a payment. You will usually be asked to make your account at least current up to 30 days before a deferral can be granted.

How will this help you?

Car repossession doesn’t end well for anyone. Not you and certainly not your creditor. Once a car is repossessed, it is usually sold at an auction for a fraction of the cost. This is a lose-lose situation for everyone.

While your loan is in deferment you will not be reported late to the credit bureau as you have made an agreement with the company to pay at a later date.

The downside to this, of course, is that your loan agreement will be extended and you will end up paying more interest in the long run. This is, however, a better alternative to having your vehicle taken.

When can your car be repossessed?

It all depends on the specific car loan you have in place. You are usually considered in default of your loan agreement as soon as you miss a payment.

With that being said, you are granted a 30-day grace period. Some states allow cars to be repossessed after one missed payment. The longer you take to make your payment is one step closer to having your car taken and a serious ding on your credit report.

A repossession will remain on your credit for up to 7 years and hurt your chances of obtaining other car loans in the near future. Even after a repossession, you may still owe the difference between what you owed your lender and what your car was sold for. This is called a deficiency balance. A deficiency balance is usually the norm especially if you purchased a newer vehicle.

Please note that these options are for those experiencing temporary hardships. It is not recommended for long-term foreseeable situations.

All You Need to Know About 2 Wheeler Loan Finance

With growing demand in semi urban and rural areas, 2 wheeler industry is a high growth sector. The industry is estimated to be Rs.6, 000-Rs.7, 000 crore in size. This means there is abundant opportunity for 2 wheeler finance companies. There was limited awareness about financing for a 2 wheeler in the olden days but with the increasing penetration of financial institutions across the country, it has become possible to obtain 2 wheeler finance quickly and conveniently.

Getting 2 wheeler loan finance has become easy. The eligibility criteria, documentation requirement and the process has been mentioned below:

Eligibility:

Individuals above the age of 18.
Salaried individuals who have been employed for more than a year.
Business owners who are running a business for over a year.

Documentation:

Identity Proof
Address Proof
Income Proof
Valid KYC documents
Passport size photographs

Procedure:

In order to apply for 2 wheeler loan finance, the applicant needs to scout the market for various Banks and financial institutions offering the loan. Based on the terms and conditions of the respective financial institutions, the applicant should choose the one that suits his requirements. The application process is quick and transparent. The applicant needs to meet the eligibility criteria in order to apply for the loan. Further, the applicant needs to submit the application form and provide the required documents to the financial institution. The customer executives are friendly and will guide through the entire process of application. The application will be processed within 48 to 72 hours and the loan will be approved in no time.

It is advisable to seek a loan from a trustworthy financial institution. They offer flexible tenure and easy repayment options. With a low rate of interest and a flexible repayment tenure, purchasing a 2 wheeler has become quick and easy. Individuals with a positive credit history can get the loan approved quicker and are also eligible for the special schemes. Once the loan amount has been disbursed, it is not possible to change the tenure and amount, hence it is important to give the loan application a good thought and settle for a repayment tenure which is possible based on the monthly income of the applicant. Financial institutions offer customized solutions to the applicants based on their requirements. Depending on the type of 2 wheeler to be purchased, the loan amount will be sanctioned.

The applicant will only be required to pay a small amount as down payment and the balance can be converted into a 2 wheeler loan which is to be repaid in easy monthly installments. Upto 95% of the on road price of the vehicle is available as a loan to the applicant and the repayment tenure ranges between 12 months to 48 months. With the increasing demand of 2 wheelers across the country, Banks and financial institutions are offering loans which meet the requirements of the consumers and they also settle the terms accordingly.

Some of the Biggest Mistakes When Looking For a Motorcycle Loan

The Essentials in deciding On Motorcycle Loan.

Sometimes the necessity or excitement of owning a motorcycle cast a bad spell on our buying decisions, especially when the purchase form is a loan. So, before making that impulsive mistake only to regret later consider these essential factors when deciding to apply for a motorcycle loan.

  1. Interest Rates:

The moment you think of a loan, the interest rate coupled with it should ring a bell. Most often attract interest rates over shadow the risk factors involved. Always begin with good amount of research and comparison of interest rates. You do not want the burden of high interest rates steal the joy of riding your new bike!

  1. Smart negotiation:

When you are about to make a purchase decision, do not merely focus on the form of payment and negotiate on how you intend to go about it. A smart negotiation effort would include, negotiating on the payment. Payment always precedes the payment method!

  1. Loan Inclusions:

Discuss with the lender all the accessories that the loan is inclusive off. You do not want to pay additional bills besides paying off your loan. The wiser discussion and decision would be to know about the inclusions and the exclusions of the loan you have applied for.

  1. Loan security:

Always consider what is at stake should you face difficulty in paying off your loan. Some lenders hold the purchased motorcycle as the security, failing to pay will mean ceasing your bike. Some other lenders may consider other collaterals as security. Unsecured loan plans are other alternatives but comes with a high cost of increased interest rates. So, your loan security should be well thought through deliberate decisions considering all the risks involved. You do not want to risk something in vain!

  1. Loan penalties:

Pause before you sign your loan agreement. Although knowing the details of the penalties tailed to your loan amount can be cumbersome and you want to skip through it, it may not be the best of your decision. At best, avoid signing loan agreements that come with stringent penalties. A decision in time, saves you from a future disaster!

  1. Easy loan termination:

Most lenders allow early clearance of your loan and some do not. It is best for you to verify the termination policies before you sign that loan agreement. You do not want to pay with interest rates, while you own the money to clear a credit.

Owning a motorcycle is useful as well as exciting, but what is more important is sustaining both while using it. Using the right loan tailored to your needs is worth every effort.

Hidden Advantages of Outsourcing Services for the Car Loan Industry

Let us face the reality that today, we live in a ‘do-it-yourself’ way of life. As they should, people want to show off their auto repairs, home improvement projects, and many other tasks that majority of us would more often not seek professionals to perform the task, as they just prefer to do it by themselves.

It is absolutely a great value in a number of ways. You can gain expertise from your experience. Sometimes, it does not necessarily mean that it is a better way to go from doing something by yourself because oftentimes, it pays more to hand over and look someone for help.

Many of the car loan businesses are beginning to worry about not only getting in the game but also in maximizing their returns with all sizes racing to compete in the lending market. To outsource car loan business services, many industry experts understand that it is often considered more cost-effective.The most obvious reason for doing this is because industries don’t have to hire new staffs or underwriters solely for car loan operations and services. You have to keep in mind that those industries are also avoiding the other expenses related to assisting the infrastructure associated with an internal underwriting team.

But the advantages don’t stop there because there are a number of hidden advantages that many businesses fail to consider when entertaining ideas of outsourcing their car loan business processing that includes staffing and funding. Here are some of the hidden advantages of outsourcing for car loan business:

Increase the Number of Loans that Leads to More Net Profit

Just consider it as any consumer business committing to sales. As this dealer management is all about being able to see, looking for your niche and catering your offers to the biggest needs of your dealers. Better and stronger relationship with dealers and having more dealerships in the network in order to drive portfolio growth is one of the end goals of outsourcing some services when you are in the car loan business.

Improved Relationships with Customers

Your staff will be able to intensify its focus on strengthening relationships with your customers- making visits, gathering feedback and better addressing their needs that will drive growth for your car loan business portfolio.

A Guideline that Allows the Outsourcing Provider to Serve as an Extension of Your Car Finance Team

Your outsourced car loan provider should be able to efficiently, quickly, and easily customize its financing scorecard to fit your representation. By doing this, it guarantees that making a decision for car loan financing is consistent and fits your appetite and business plan.

Access to Consultation and Expertise

It allows your business to avoid common pitfalls that businesses fall victim to when trying to get in-house functions off the ground when outsourcing your car loan business processing. Through outsourcing, those businesses must hire the expertise that is readily available.

After-Hours Process

By waiting until the next business day to respond to proposals, don’t miss out on those deals especially over the weekend when many consumers have time to hunt for motorcycles, cars, and trucks.

It will absolutely offer a significant benefit over businesses with in-house operations that are confined to traditional business hours when you have an access to after-hours processing service.

Are you ready to revolutionize the way you do business? Grow your business by outsourcing.

Systematic and Unsystematic Risks: How to Mitigate Them

There are always risks in the business world. Understanding these risks enables us to seek the most effective approaches to mitigate them. What are these risks and how can they be categorized?

There are two major components of risk: systematic and unsystematic. Let’s explore each risk and learn the best way to mitigate it.

Systematic Risk
Systematic risk, also known as “market risk” or “un-diversifiable risk”, is a result of external and uncontrollable variables, which are not industry or security specific. Generally unavoidable, it affects the entire market leading to the fluctuation in prices of all the securities. The risk can be attributed to a number of broad economic factors such as inflation, changes in interest rates, fluctuations in currencies, recessions, etc.

Since systematic risks cannot be controlled, investors can avoid them by staying away from all risky investments.

Financial Planning- Mitigating Systematic Risk
Systematic risks can be mitigated with certain courses of action. How can they be mitigated?

Asset allocation can partially mitigate systematic risks. Owning different asset categories (i.e. bonds, cash, commodities, etc.) with low or zero correlation helps because they reach differently to macroeconomic factors; some asset categories may increase and others may fall.

Asset allocation should also be adjusted according to valuations. Investments that are overpriced should be avoided or owned less. When mitigating systematic risks within a diversified portfolio, cash may be the most important and under-appreciated asset category.

Another way to reduce systematic risk is through hedging. Investors can use options such as purchasing protective puts on their securities. A protective put is risk-management strategy that investors use to guard against the loss of unrealized gains. Put value will rise if securities value drops. However, options are for a certain time and once they expire, investors need to buy new ones to stay hedged.

Unsystematic Risk
In contrast, unsystematic risk refers to risk factors that are specific to a company, industry and sector, and can be controlled to a certain degree. These factors include a company’s management, financial practices, financial health, and its competitive position in the market.

Financial Planning- Mitigating Unsystematic Risk
Unsystematic risk can be reduced by diversifying. To achieve this, the investor can diversify its product portfolio so the revenues are not solely dependent from a few products only. Much risk is reduced when an investor’s risk is spread among different industries (such as banking or healthcare) and asset classes. For example, if an investor owns a diversified portfolio of more than 10 individual investments as opposed to only one, the damage done to their portfolio is minimized when something negative happens to some of the companies.

Again, unsystematic risk can be nearly eliminated by diversification as it is not correlated to market risk.

Both systematic and unsystematic risks are part and parcel of businesses. Through risk management solutions as mentioned above, these risks can be partially mitigated, and investors will be able to see an increase in portfolio returns and optimization in investment portfolio.