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Searching online for a loan can be really stressing, there are many different types and it can often get confusing. Which one is the loan for me? Should I apply for an unsecured loan or for a secured loan? I am sure those are questions that have roamed your mind more than once. Do not feel alone, there are hundreds out there like you. With this easy guide to personal loans, you will find those questions addressed instantly.Secured LoansWhen applying for this type of loan, you put a collateral against it, for example, a property, a car or any valuable asset. This guarantees the lender that the loan will be repaid. In case you fail to pay when the loan is due, the lender has a right to seize the collateral and take possession of it. Secured loans offer better loan conditions than unsecured loans as the lender runs fewer risks.Unsecured LoansThis type of loan carries no collaterals. It is very flexible and many non-homeowners or people who do not want to run the risk of using any assets as collaterals decide to apply for it. The downside is that as the lender does not have any guarantee that the loan will be repaid, the interest rates are usually higher and the loan terms are less favorable than in a secured loan.Cash Advance LoansYou may want to apply for a loan like this in case of an emergency. PayDay loans are short-term loans which generally last two weeks and carry very high interest rates. Up to $1500 can be borrowed and approval is extremely fast, you will have the money wired to your bank account within hours of applying.Business Loans and Business Lines Of CreditAs the name very well points out, these loans are specially tailored for businesses. They can be either secured or unsecured and normally provide large sums of money. Most often than not, this type of loan is for businesses which are already running, but venture capital for businesses which are just starting can also be obtained. A line of credit is a commercial loan which is more flexible as it lets you withdraw money, pay it back and then withdraw again.Home LoansBanks or financial institutions will lend the borrower money to acquire a property. There are two types of home loans, the fixed rate loan and the variable rate loan. In the first one, the loan is secured at a specific rate and will not vary throughout the life of the loan. In the second one, the loan varies according to the fluctuating economy and the total debt owed may raise. Fixed rate loans provide a more stable situation for the lender as he knows the monthly payments will not change.Student LoansLoans granted to students to assist them in paying their course of studies. These loans are offered both by private institutions and the government and they can be granted to parents or to the students themselves. Often if the loan is secured to the parents, the sums offered are higher.Other Financial ProductsThere are many other types of loans in the market, we have just discussed the most common ones. You will also find vehicle loans, military loans, fresh start loans, and even Christmas loans. As you can see, there is a loan out there which will cover all of your financial needs.

The job of a Search Engine Optimizer, popularly referred to as an SEO helps the visitors to acquire the required information from the visited website. So, an SEO plays a major role as far as research and development are concerned. Both, the clients availing of the services of an SEO as well as the visitors to the website, many a times, prove to be too demanding for the Search Engine Optimizer. Well no pains, no gains. An SEO’s job seems to be based on this pattern rather too strictly.The SEO’s Job vs. SalesThe SEO’s role is quite important not only for researching a particular subject or idea, but more so when it comes to sales. The Optimizer in the majority of the cases provides his services to help the visitors to the website research about the products of the company.The products may vary from biscuits or other eatables to cosmetics to electronic devices including almost any saleable product, object, idea etc., that exists upon the earth. An SEO understands well that basically his job aims at optimizing the sales for the company. He would not like to displease the company or those who visit the company’s site. So, most of the SEOs prefer a little sentence at the bottom of the page to the effect that the visitor’s search results may vary from site to site. After all, an SEO, like any other professional prefers to play safe!Expectations from an SEO vs. A Few RealitiesAs the company’s demands from an SEO are sometimes even unrealistic, he has to be extra smart (that of course, is different from being over smart). When it comes to selling a new product, the Search Engine Optimizer is not just asked to optimize the sales, in such specific cases, he has to initialize the sales for the new product first, more so if the business house happens to be a small one or a newly opened one.If an SEO’s services are hired by a small or newly opened business, the Optimizer is expected to optimize the sales of the products (if they are new, then even to initialize the sales) so that the business comes closer to the big rivals and then gradually goes ahead of them. Now, anyone can understand the kind of expectations regarding the sales from an SEO. When the expectations are not met with (that may be the case sometimes), the resulting picture may be a sad one.As if that is not enough, even the sales department of the company loves to transfer the major share of its responsibility to the shoulders of the SEO, once his services are hired. The department’s attitude, most of the times, sends the message across to the SEO, in no implicit terms that it is his responsibility to optimize the sales of the popular products, initialize and optimize the sales for new products and reinitialize the sales even for those that had previously failed in the market.In other words, it is the SEO rather than the sales department who is expected to optimize and maintain the market. The Optimizer is left only with two options: either fulfill all the expectations or if he fails to do so even once, then provide an absolutely convincing explanation to the company that has hired his services.SEO: Catering to the Clients’ ExpectationsThough the contract letter as provided to the SEO clearly reads the terms and conditions related to the responsibilities and even ranking, traffic, ROI, and conversions etc., it is the result of the work that counts in the long run rather than the job profile as discussed in the contract letter.An SEO’s Perception of His Job: Risk FactorsThus a potentially existing, but not a very explicit (and hence not very frequently realized) risk factor is that most of the SEOs focus on executing the operations as specified in the contract letter rather than laying stress on the results. The result: the sales for the company for which an SEO’s services are hired are far from being optimized. In some cases, the SEO fails to maintain even the previously existing sales. It can even tell upon his professional relationships with the sales department of the company. Eventually, he may be sacked and replaced by another SEO, in most cases, a tried and tested one by one or more reputed or established companies. So focusing upon the result is the key factor for any SEO. He must focus on the TARGET.Services Provided by An SEO: How Do the Clients Evaluate Them?A large number of the companies hiring the services of an SEO are extremely conscious of their web ranking. Naturally, they want the ranking to shoot up faster when they hire an SEO. A sensible client would allow at least a reasonably period of time to the SEO as even a highly intelligent and professionally smart Search Engine Optimizer would require at least a little bit of time to increase the number of the visitors to the website of his client.Even if the search engine is optimized making it several times more effective than it originally was, the improvement will catch the notice of the net surfers within a little time only. Given the time (a reasonable one, of course, and not an unusually longer span), the web ranking of the client’s site can be expected to shoot up the popularity charts.Moreover, the requirements of the visitors to the website of the clients vary from time to time. Thus the SEO is expected to be on his toes all the time. Further, the phrases searched by the visitors most of the time would never be an all time favorite with the net surfers. They may change with the changing requirements of the surfers. Thus the client would obviously expect the SEO not only to make the web ranking go higher, but even to maintain it. Not a very easy job, indeed.How Does Web Ranking Effect A Company’s Sales and An SEO’s Performance?Though a smart SEO can employ a number of ways to make the web ranking shoot up, the point is that whether the people who visit the web site actually get converted into the customers buying the products of the company or not. So even if the SEO manages to attract a large number of visitors to the site of the company, what actually counts is whether they are the targeted visitors or not. The SEO must never forget that as far as the results of his work are concerned, the web ranking is to be used as a means to enhance the sales for the company. After all, it is for this purpose that the client has hired his services.In some cases, a client’s website may already be enjoying an excellent web ranking, but a poor conversion rate. In such case, the SEO is expected even to a greater extent to focus upon the conversion rate. A greater chunk of the traffic visiting the site is to be converted into actual buyers of the products of the company. This is what the SEO is expected to achieve.The Job of an SEO: A Few TipsThe SEO may suggest the clients to alter a few links in the SERPs i.e., the search engine result pages. It can make it easier for the visitors to the site to find what they are looking for? When a visitor himself/herself refers the site to other surfers, it counts. Because making the web ranking move up, it definitely increases the conversion rate.Finally, the SEO must take care that the desired, if not higher, conversion rate is achieved within a specific time. Though there should be synergy between the client and the SEO and the required time should be allowed for achieving an excellent web ranking as well as conversion rate, the SEO must not forget that he cannot delay in producing results beyond a certain time period. He is fully responsible to make the client progress in the business as fast or even faster than expected by the client.Finally, the SEO should be focusing on improving upon the sales for the company. After all, this is what that actually counts for the client. It is the result, the result and the RESULT ONLY that will matter in the long run, as already discussed in this article.

In House Financing is making a comeback in the Canadian market. When I first entered the car business in 1995 there were very few options for people who had credit issues such as bankruptcy, written off accounts, judgements or collections to be able to obtain financing for a reliable vehicle. I was lucky enough to work for a dealership that had an in house leasing company and we were able to sell cars to these people before the sub prime lenders came on the scene.Over the past several years there have been many companies come into the Canadian automotive financing market to fill the need for most of these customers. They are relatively large national and international financing companies. They have signed the majority of the dealerships across the country to refer business to them. In 2005 there were no fewer than 7 such companies doing business all across the country with many others doing business in certain markets in the country. At the time of writing this article in 2010 there are only 4 remaining and they have tightened up on their lending practices because there is less competition in the marketplace. Of note the 3 sub prime lenders that were doing business all across Canada that are no longer in the marketplace were international lenders with 2 or the 3 based in the United States. When the financial crisis occurred in America we lost them due to their parent companies consolidating their operations into the United States.It has been this tightening up of lending practices that is beginning to make a need for In House Financing at the dealership level once again. Today there are more and more clients who have credit problems and are in need of special financing solutions as they no longer qualify for financing from the mainstream sub prime lenders.Many car dealerships are growing tired and frustrated at spending a lot of time and money in advertising to get customers into their dealerships to sell them a car just to have the lenders turn their customer down. It has been this frustration that has led many of them to take another look at an old concept and begin financing these customers themselves. So slowly but surely there are In House Financing, In House Leasing and Buy Here Pay Here programs starting to pop up all across the country to service this new marketplace.There is very little difference in the various financing programs from a consumer point of view. They all work basically the same way. You have to give them a down payment that the dealers require to offset the risk they are taking in financing these type of high risk clients. Most of the down payments range between $500 – $2000 and are either used as money down on the loan in the case of In House Finance and Buy Here Pay Here programs. The out of pocket money is used as a security deposit and first payment in most In House Leasing programs. The security deposit can be used to buy out the lease at the end of the term without having to come up with any money out of your pocket at that time. No matter what the money you give the dealership is called, by the end of the term it is used to pay down on your vehicle.The other major difference in these programs is how the vehicle is registered by the Registry of Motor Vehicles in your province. With the In House Financing programs the vehicle is registered in your name on the registration and a chattel mortgage is placed on the vehicle at the Registry of Deeds in your province. The chatel mortgage make it possible to repossess your vehicle if you default on the loan the same way a bank or finance company can. With the In House Leasing programs the vehicle is registered in the name of the leasing company with you being registered as the plate owner of the vehicle. The Buy Here Pay Here programs are usually run by a smaller dealership and they sometimes register a chalet mortgage the same as the In House Financing Programs but often they get the customer to register the vehicle in their name and then return to the dealership with the ownership paper and sign it over to the dealership. This way if the customer defaults on the loan the dealer simply registers the vehicle back into their name and repossess it from the customer. At the end of the day it really doesn’t matter which program you choose to use if you don’t make the payments they will repossess your car but if you make your payments you will not have any problems. Remember all of these dealerships are interested in you keeping your vehicle. They are usually understanding if you are going to be a couple days late with your payment as long as you let them know beforehand and make arrangements to get caught up right away.These dealers live in the areas they work in and are usually very helpful and are willing to work with you. Most of these dealerships require that you place full coverage insurance on your vehicle but some of the smaller Buy Here Pay Here dealers will allow you to just have basic car insurance because the vehicles they sell are usually fairly inexpensive and full coverage insurance just doesn’t make sense.The hardest thing about financing a vehicle through these dealers is usually finding them. With so many dealerships advertising Guaranteed Auto Approvals, Bad Credit – No Credit Car Financing and the like but most of them do not have any options for you if you are declined by the national finance companies. You end up spinning your wheels looking for a dealer who will work with you causing you to either give up or get frustrated and buy a cheap car privately with whatever money you can come up with.

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What are nutrients?Every molecule in the body is created by Nutrients & there are more than 45 nutrients. These nutrients build molecules, cells, and tissues of the body.We get energy from Carbohydrates, proteins, and fats that we eat.These are called macronutrients. These macro nutrients are broken down / metabolized to give energy to the body.Vitamins and minerals (called micronutrients) are not themselves metabolized for energy, but they are important in helping the macronutrients convert to energy.What is a healthy diet?The optimal diet has to be individualized to meet your unique needs. The United States Department of Agriculture (USDA) food pyramid suggests that we use fat “sparingly,” and that our daily diet include 2 – 3 servings of dairy products; 2 – 3 servings of meat, poultry, fish, eggs, beans, or nuts; 3 – 5 servings of vegetables; 2 – 4 servings of fruit; and 6 – 11 servings of bread, cereal, rice, or pasta.These are general guidelines. Healthy diet is dependent upon many factors like: age, gender, body size, pregnancy, and status of health. A clinical nutritionist or nutritionally oriented doctor can help you determine what type of diet is best for you.While you know it is important to eat a healthy diet, it isn’t always easy to sort through all of the information available about nutrition and food choices.Nutrition has a vital importance to human well-being. Nutrition should play a leading role to improve our quality of life. Nutrition is a key for reducing your body fat percentage.Better nutrition means stronger immune systems, less illness and better health. Better nutrition is a prime entry point to ending poverty and a milestone to achieving better quality of life. Safe food and good nutrition are important to all.Basic nutrition knowledge is constantly taking shape every day, producing new diet trends to an ever growing audience of people who want to know the latest and greatest ways to achieve their physical fitness goals.Get nutrition facts and discover how you can use dietary recommendations to improve your health. As you grow older, getting a nutritionally rich diet becomes even more important. The link between nutrition and health is necessary to achieve optimal health.Good nutrition is a clear path to optimize our quality of life. An important starting point for achieving optimum health is to achieve optimum nutrition and get the proper nutrients from the food.Diet and nutrition are the principle preventive measures against diseases.Reading labels and eating a diet rich in vitamins and nutrients is optimal for healthy nutrition. Research confirms that good nutrition in the early years of life is crucial for human growth and mental development.The study of human nutrition dates back to the 18th century, when the French chemist Lavoisier discovered that there was a relationship between our metabolism of food and the process of breathing.The field of clinical nutrition has evolved into a practice that is increasingly incorporated into mainstream medical treatment. The term “nutritional supplement” refers to vitamins, minerals, and other food components that are used to support good health and treat illness.A clinical nutritionist or nutritionally oriented doctor can help you determine what type of diet is best for you.During the initial part of the visit, the clinical nutritionist will ask you questions about your medical history, family history, and personal lifestyle.In hospitals, nutrition is used to improve the overall health of patients with a wide range of conditions. Effects of exercise and nutrition on postural balance and risk of falling in elderly people with decreased bone mineral density: randomized controlled trial pilot study.Healthy LifestyleHealthy people are stronger, are more productive and more able to create opportunities to gradually break the cycles of both poverty and hunger in a sustainable way.Healthy eating is associated with reduced risk for many diseases, including the three leading causes of death: heart disease, cancer, and stroke. Healthy eating is fundamental to good health and is a key element in healthy human development, from the prenatal and early childhood years to later life stages.Healthy eating is equally important in reducing the risk of many chronic diseases. We spend a lot of money on food, but there are ways to cut costs and still serve healthy delicious meals.When you choose healthy foods instead of sugary or high-fat foods you can actually improve your health by adding extra phytochemicals and fiber. Breakfast foods should be healthy but they have a tendency to be high in fats and sugar.We always hear that breakfast is the most important meal of the day, so why ruin a healthy breakfast.Good nutrition is vital to good health, disease prevention, and essential for healthy growth and development of children and adolescents. Fiber is an important part of a healthy diet.Many of us work very hard to eat healthy meals, but struggle with the urge for candy, cookies, cakes, ice cream and anything else full of sugar and sweetness. Most experts agree that snacking is a part of a balanced and healthy diet, as long as the snacks don’t pile on empty calories.When your best efforts go awry, and you order pizza or serve another meal that doesn’t exactly fit into a healthy diet, you still have many options for making it healthier. Just about everyone knows that fruits and vegetables are a very important part of a healthy diet.Having a well-stocked pantry and refrigerator can be a busy cook’s best weapon in the war against resorting to fast-food, high-fat, unhealthy meals. Fresh oil is a source of essential fatty acids, which help keep the skin healthy and the hair shiny.We believe eating sensibly, combined with appropriate exercise, is the best solution for a healthy lifestyle.FoodsWhen you choose healthy foods instead of sugary or high-fat foods you can actually improve your health by adding extra phytochemicals and fiber. The goal is to balance negative foods with positive foods so that the combined rating for all foods eaten in a single day is positive.If you want to restrict your caloric intake without feeling hungry, find foods highest in any vitamin or mineral or lowest in carbs, saturated fats, or sugars. Our general state of health is partially driven by the types of foods we consume.To make vegetable oils suitable for deep frying, the oils are hydrogenated, so trans fats are commonly found in deep-fried foods such as French fries and doughnuts. Trans fats, beyond a limit, are not good for our health.Hydrogenation solidifies liquid oils and increases the shelf life and the flavor stability of oils and foods that contain them. Other sources of trans fats are vegetable shortenings, some margarines, crackers, cookies, snack foods, and other foods.Since trans fats increase a products shelf life, many pre-prepared foods and mixes (for example, some pancake mixes and pizza dough) contain trans fats.The solution: Whenever possible, eat whole, fresh, and unprocessed foods. When buying packaged foods, put in at least as much time into reading labels and selecting products as you do when choosing a shower gel or shampoo.A good diet is central to overall good health, but which are the best foods to include in your meals, and which ones are best avoided.Fast food has become much more popular of late and all over the world the outcry regarding harms of fast foods is on increase.Be aware that there is little scientific information about the effect of so-called functional foods –foods to which vitamins, minerals, herbs, or other dietary substances are added — despite their growing popularity in the market place and claims of beneficial effects.Some common foods, including nuts, wheat gluten, dairy products, fish, shrimp, soy, bananas and eggs may trigger allergic reactions.FatFats add taste to meals and give one a feeling of fullness when eaten. When you choose healthy foods instead of sugary or high-fat foods you can actually improve your health by adding extra phytochemicals and fiber.Breakfast foods should be healthy but they have a tendency to be high in fats and sugar. The human brain is almost entirely composed of unsaturated fatty acids.You deprive yourself of more than fats when you go for the fat-free or low-fat salad dressing. We need fats to absorb all the beneficial elements of salads and other fruits and vegetables. Learn which are the right types of fats, to create beautiful, supple skin, and a healthy body.Eating more whole foods is a good way to replace many of the processed snacks and foods that have a lot of extra sugar, fat (including trans fat), salt, and other things added to them and a lot of good things taken out, like fiber.In addition to food labeled fat-free and low fat, healthy low fat foods include most fruits and vegetables.Carbohydrates, proteins, and fats (called macronutrients) are broken down (metabolized) to give the body energy.For example, lowering fat and cholesterol intake and adding whole grains to the diet can prevent atherosclerosis (plaque buildup in the arteries), which can lead to heart disease or stroke.Fish is high in omega-3 fatty acids, which are essential components of cells and can protect the heart from, for example, fatal arrhythmias (abnormal heart rhythm). Omega-3 fatty acids found in cold water fish (such as herring, tuna, and salmon) have been reported to reduce inflammation and help prevent certain chronic diseases, such as heart disease, cancer, and arthritis.Safe food and good nutrition are important to all. Basic nutrition knowledge is constantly taking shape every day, producing new diet trends to an ever growing audience of people who want to know the latest and greatest ways to achieve their physical fitness goals.Did you know that you can drastically decrease your chance of heart disease and cancer by eating a healthy diet and following the recommended nutrition guidelines?Proper nutrition is a powerful good: people who are well nourished are more likely to be healthy, productive and able to learn.Good nutrition benefits families, their communities and the world as a whole. Malnutrition is, by the same logic, devastating.

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Biases are known to be ingrained in the human nature. Ironically, the bias starts reflecting in our approach to an individual’s health, even if the sufferer is a loved one, as we give priority to physical health over mental health. Many of the biases regarding mental health are inbuilt or are passed on from one generation to another.Social media has a considerable role in propagating such biases. Without proper evidence, many crimes of violent nature, such as shootings, murders, etc., are often ascribed to mental disorders. As indicated by Jonathan M. Metzl, M.D., Ph.D., and Kenneth T. MacLeish, Ph.D., in a 2015 study published in the American Journal of Public Health, most of the mass shootings in America are attributed to mental illnesses, and are often considered the root cause of violence.The stereotype that “all persons with mental illness are violent” add fuel to the prevailing negative mindset against mental disorders. Another deep-rooted stigma regarding mental ailments is that people with some kind of mental deformity are incapable of independent living or doing competitive work. The fact that most physicians suffering from mental disorders such as depression or anxiety do not seek help, fearing that it would hinder their professional life, points at the deep-seated bias related to mental disorders.Whether it is schizophrenia, bipolar or depression, a common perception about these mental disorders is that they are a character flaw. Depression, for example, is seen as sign of a weak-willed spirit. Also, in many instances, it is believed that mental disorders can be set right with attitudinal changes. For example, many believe that children with attention-deficit hyperactivity disorder (ADHD) need to be more disciplined and spanking is the best way to ensure that they behaved appropriately. Unfortunately, this tendency results in many with mental illnesses to be punished or discriminated against for no fault of theirs.Implicit and explicit biasBias can broadly be divided into two types – implicit and explicit. It is a case of explicit bias when the individual is aware that he or she is biased against a particular person or group and uses it against a perceived threat. For example, painting all immigrants and refugees as potential sociopaths and antisocial elements is a form of explicit bias. According to Alexandra Werntz, University of Virginia and PIMH researcher, people are familiar with explicit biases, and “they are influenced by a lot of different factors, like willingness to disclose and social desirability.”Implicit bias is, however, more difficult to understand because an individual is unaware of its existence. It is beyond the boundaries of one’s consciousness or awareness, but more likely to impact the way one behaves with regard to those with mental health disorders. For example, people showing implicit bias tend to believe that people with mental illness are helpless and negative, and should be blamed for their wrongdoings.Determining the impact of bias on mental health outcomesWhile bias is a common occurrence with regard to mental health, discriminatory behavior because of inbuilt prejudices could have a negative impact on the diagnoses and treatment. Past studies have indicated that many mental health professionals continue to endorse negative biases about mental illness.Apart from the lack of empathy, a constant stigma surrounding mental disorders can result in increased anger and an unwillingness to help the patient in need. It was observed that the attitude of the health care professionals toward mentally ill patients reflected “paternalistic approaches.” While there was an element of empathy involved, in most instances it was believed that patients with mental disorders were incompetent.Mental disorders are treatableWhether it is a depression or an anxiety disorder or a neurodegenerative disorder, mental disorders are certainly not a character flaw. Recovery seems difficult as long as one keeps postponing the need to seek treatment. Understanding the importance of having a sound mental health can give rise to a new perspective on life that would further enhance the quality of overall health.