0 Understanding about Secured Loan

A loan which is backed by assets belonging to the borrower in order to decrease the risk assumed by the lender. The assets may be forfeited to the lender if the borrower fails to make the necessary payments. The debt is thus secured against the collateral — in the event that the borrower defaults, the creditor takes possession of the asset used as collateral and may sell it to regain some or all of the amount originally lent to the borrower, for example, foreclosure of a home. From the creditor's perspective this is a category of debt in which a lender has been granted a portion of the bundle of rights to specified property. If the sale of the collateral does not raise enough money to pay off the debt, the creditor can often obtain a deficiency judgment against the borrower for the remaining amount. The opposite of secured debt/loan is unsecured debt, which is not connected to any specific piece of property and instead the creditor may only satisfy the debt against the borrower rather than the borrower's collateral and the borrower. Generally speaking, secured debt may attract lower interest rates than unsecured debt due to the added security for the lender, however, credit history, ability to repay, and expected returns for the lender are also factors affecting rates.

Types of Secured Loan

• A mortgage loan is a secured loan in which the collateral is property, such as a home.

• A non-recourse loan is a secured loan where the collateral is the only security or claim the creditor has against the borrower, and the creditor has no further recourse against the borrower for any deficiency remaining after foreclosure against the property.

• A foreclosure is a legal process in which mortgaged property is sold to pay the debt of the defaulting borrower.

• A repossession is a process in which property, such as a car, is taken back by the creditor when the borrower does not make payments due on the property. Depending on the jurisdiction, it may or may not require a court order.

0 Driving under the Influence of Alcohol

The act of driving a motor vehicle with blood levels of alcohol in excess of a legal limit is extremely prohibited in different States of America. This act or case are commonly known as Driving under the influence (DUI), driving while intoxicated (DWI), drunken driving, drunk driving, operating under the influence, drinking and driving, or impaired driving. Similar regulations cover driving or operating certain types of machinery while affected by drinking alcohol or taking other drugs. This is a criminal offense in most countries. Convictions do not necessarily involve actual driving of the vehicle.

In most jurisdictions a measurement such as a blood alcohol content (BAC) in excess of a specific threshold level, such as 0.05% or 0.08% defines the offense, with no need to prove impairment or being under the influence of alcohol. In some jurisdictions, there is an aggravated category of the offense at a higher level e.g. 0.12%. In most countries, anyone who is convicted of injuring or killing someone while under the influence of alcohol or drugs can be heavily fined, as in France, in addition to being given a lengthy prison sentence. Some jurisdictions have multiple levels of BAC, for example the state of California has a 0.08% BAC limit which is lowered to 0.04% if the operator holds a Commercial Driver's License (e.g. is employed primarily as a driver). The California BAC limit is 0.01% for those younger than 21 years of age and those on probation for a previous DUI conviction. A common term for a California DUI conviction is a 'duce.

The specific criminal offense may be called, depending on the jurisdiction, driving under the influence [of alcohol or other drugs] (DUI), driving under intense influence (DUII), driving while intoxicated (DWI), "operating under the influence" (OUI) operating while intoxicated (OWI), operating a motor vehicle while intoxicated (OMVI), driving under the combined influence of alcohol and/or other drugs, driving under the influence per se or drunk in charge [of a vehicle]. Many such laws apply also to boating, piloting aircraft, or cycling, possibly with different BAC level than driving. In some jurisdictions there are separate charges depending on the vehicle used, such as BWI (bicycling while intoxicated), which may carry a lighter sentence.

0 How to Avoid Hangover?

Excessive drinking of alcohol is not good to our body, it may lead us to dehydration or possible hangover. Based on the study, alcohol is a diuretic that can scientifically removed body fluids inside our system that could cause hangover. You might usually feed a bad night's sleep, stomach upset, headache, nausea, sensitivity of light and noise, lethargy and others.

We basically experienced the effect of alcohol such as hangover early in the morning after a night of heavy drinking. Furthermore to the physical symptoms, a hangover could also induce psychological symptoms including heightened feelings of depression and anxiety.

To stay away from this feelings, you might need to seek some of the best hangover cures we have. There are several hangover remedies that can make hangover disappear instantly, it includes:

Sleeping, to let your body recover from the huge alcohol, rest is the best approach to do. It is best to stay in bed so call in to work when you have to, tell them you might have the stomach flu. You are going to sound so horrible on the phone they might believe you (unless they saw you in the bar, not a good thought then).

Avoid caffeine. Typically, what we have do when we get drunk is always to drink a cup of coffee. Well, that's not advisable, a cup of coffee might be okay but a whole lot of caffeine will continue to dehydrate you, the opposite of what you desire right now.

Drink milk, yogurt and blended fruits would often be effective cures for hangovers. Ginger is also believed to detoxify the physique and helps in setting back the balance within the physique by aiding within the flushing out of the alcohol.

Some sports drink may be helpful also like like Gatorade or Powerade. Eat mineral wealthy food like pickles or canned fish.

Mixed fruits may be the Best Hangover Cures also. Fruits such as bananas, peaches, grapes and strawberries make good smoothies for hangover remedy. It's also nice to add vitamin supplements whilst producing a smoothie. Not just do bananas, orange juice, milk and honey taste good, they also make great smoothies too. Mangoes, kiwis and blueberries make a nice sweet and tangy blend. Shakes and smoothies are highly advised particularly to those that feel like throwing up.

3 Mesothelioma Treatment Options

It's always difficult if you or one of your family members diagnosed any kind of health problems especially if it was related to cancer because such problem is an aggressive malignancy, patients and their families may have a difficult time addressing the issue of treatment.

Since I've already discussed on this blog the main cause of having Malignant Mesothelioma, a rare form of cancer that develops from the protective lining that covers many of the body's internal organs, and due to it's steadily increasing number of patients, the discussion of treatment with one’s primary oncologist, family members, and loved ones is important. Nearly all mesothelioma patients have treatment options; be they curative or palliative that can extend survival, alleviate pain, or increase quality of life.

Cancer treatment usually focuses upon destroying malignant cells and preserving healthy ones. Saving of cell tissues is very important to any cancer patient. There are three types of primary mechanism that's typically utilize for a cancer patient as part of mesothelioma treatment. Either surgery, radiation, and chemotherapy, or some combination of the three are considered the most effective for the treatment of malignant mesothelioma.
The course of treatment to any cancer patient are heavily depends on the size of the tumor and its location to the internal body of the patient, how malignant it was and how curable it is.

0 Asbestos: The major risk factor for Mesothelioma

I've been reading different articles on how we can abort to exposed in mesothelioma cancer or also known as malignant mesothelioma. It's a rare form of cancer that develops from the protective lining that covers many of the body's internal organs, the mesothelium. Based on the research, the main caused of having malignant mesothelioma is being exposed in any form of asbestos, a set of six naturally occurring silicate minerals exploited commercially for their desirable physical properties.

Most people who develop mesothelioma have worked on jobs where they inhaled asbestos, or they have been exposed to amphibole asbestos dust and fiber in other ways.  It has also been suggested that washing the clothes of a family member who worked with asbestos can put a person at risk for developing mesothelioma. However, mesothelioma has been reported in some individuals without any known exposure to asbestos. In rare cases, mesothelioma has also been associated with irradiation, intra-pleural thorium dioxide, and inhalation of other fibrous silicates, such as erionite.

The symptoms of mesothelioma include shortness of breath due to pleural effusion (fluid between the lung and the chest wall) or chest wall pain, and general symptoms such as weight loss. The diagnosis may be suspected with chest X-ray and CT scan, and is confirmed with a biopsy (tissue sample) and microscopic examination.

0 Healthy Tips of the Day: Heart Disease Go Away

A healthy heart is essential to live long, healthy and happy life. In the recent years, people of all ages are getting into the grip of coronary heart diseases, strokes and heart attacks. Statistics reveal that heart disease is no.1 cause of death in men and women worldwide. According to atlas published by World Health Organization (WHO), in conjunction with the USA's Centers for Disease Control and Prevention (CDC), heart disease and stroke will become the leading cause of both death and disability worldwide by the year 2020, with the number of fatalities projected to increase to over 20 million a year and to over 24 million a year by 2030.

Cholesterol and heart diseases

A healthy diet is a key to healthy heart. If you are obese or having sedentary lifestyle or suffering from diabetes or high blood pressure, then you are at high risk of getting into the grip of coronary heart diseases. Cholesterol is a major cause of all kinds of heart diseases. The risk of heart diseases is directly co-related with bad cholesterol levels in the body. When there is too much of bad cholesterol or LDL building up in the coronary arteries, it gradually forms plaque that can narrow the arteries and hampers the flow of oxygen that is vital to the function of the heart. Such condition is known as atherosclerosis. If a clot forms and blocks a narrowed artery, it can result into a heart attack or heart stroke.

Oats: for healthy heart

Oat is a great food for maintaining a healthy heart life style. Recognizing the benefits of Oats as a healthy heart diet, FDA gave it the status of a "health claim" in 1997. It allowed manufacturers to advertise the health benefits on boxes of oatmeal and other oat products. Few health benefits of Oats for heart have been discussed as follows:

1. Oats bring down LDL (bad cholesterol) without lowering HDL or good cholesterol. Recent studies reveal that everyday consumption of 3gms of soluble oat fiber can lower the total body cholesterol by 8-23 percent and helps to maintain a healthy heart life style. In order to qualify this healing claim, such Oat product must contain at least 0.75 grams of beta-Glucan soluble fiber derived from Oats.

2. Oat contains high level of fiber, manganese, and magnesium which helps to strengthen your heart and prevent it from many heart diseases.

3. Lack of selenium is one of the reasons for coronary heart diseases. Selenium is also used as antioxidants to repair cell damage caused by free radicals. Selenium deficiency can lead to low thyroid function, problems with your immune system and heart problems. Eating Oats regularly can help an adult to meet the recommended 55 mcg daily requirement of selenium and ensure they do not become selenium deficient.

4. Oats also contains unique antioxidants called Avenanthramides that help protect artery walls from the build-up of plaque.

In order to increase intake of Oat in your meals, you can take Oat meals with nuts or fresh fruits as breakfast or can also add Oat flour, when you make breads and muffins. With enormous healthy heart benefits, Oats can be truly called as a miraculous meal for heart.

[Credits to the original author of this article]
[Abhinash Chaudhary of goarticles]