Payday Loan Online: A Quick Solution Or So You Think

There needs to be additional help for people who fall to a fast payday loan online in order to put food on the table. Direct lenders do not ask what the loan is for; the quick cash opportunity is a loan of discretion. No one is going to ask why or what the money is for. If you meet the qualification guidelines, that is enough to get an approved loan.

It isn’t always about not having a job. Low-income workers do have a monthly income but are not capable of living within their means. State and county aid programs offer some relief, but this help is not always enough to make it work. There are many who work very hard to make ends meet where there are others who spend carelessly and realize their wrong when there is not enough food to feed their families. A quick online payday loan transaction will buy enough groceries to get by to the next paycheck, but what happens after that?

Maybe there needs to be some budget assistance which comes with government help. Show that the money or food assistance is being to make finances work. There will always be arguments on either side of the fence as to regulation of assistance. In the meantime, people who look to these direct payday loan lenders for help are not helping their finances in the long run.

There are direct lenders who are responsible enough to now approve loans for those who cannot prove that they earn a set take-home limit amount each month. There is a best practice used by many lenders who do not want to strap borrowers. It takes the borrower to find one of these good lenders. Too often, a person’s vulnerabilities will lead them in the direction of one who offers less than good practices. Applications are turned down for a reason. Understand the reason your application was declined before you look for a new lender to apply for.

It is very important to look into each company before you apply. Some predatory lenders will use the application process as a way to make about $30 off each potential customer. This fee does not guarantee an approved loan, so only work with lenders that provide free applications. Remember that you are searching for additional funds, not looking to waste the little you have right now.

Desperation can also lead to using a lender with extremely high interest rates. Some of these same lenders will also have hidden fees which pop up when the loan is extended or rolled over. Many states have regulations in accordance with rates and payday usage. Make sure you are following any state regulations by only working with a company that does the same. Finding a company that wants to bleed your bank accounts dry is doable, but you shouldn’t let it happen.

It isn’t just the low-income borrowers who run into money troubles. Direct lenders do not favor one or the other. They favor applicants who have the income capable of handling the short-term debt. Since there is no credit check, these lenders are unaware of what other bills you have and this factor can in turn cause problems for both borrower and lender. As easy as it is to blame a direct payday loan lender for taking advantage of the vulnerable, the borrower must also be blamed for not accepting a rejection from a responsible lender. If you keep trying, eventually you will find a predatory lender willing to accept your application. Think twice before you run out of food money, maybe there are some other costs you can cut back on so you don’t hurt your financial situation further.

Gastric Sleeve Surgery to Kick Start Weight Loss

Gastric sleeve surgery, also known as tube gastrectomy, is a weight-loss surgical procedure that involves removing a large portion of the stomach in order to induce weight shedding in severely obese patients. OSSANZ (the Obesity Surgery Society of Australia and New Zealand) claims that in the first 1 to 2 years, patients on average lose 40-60% of excess weight with this procedure.

Basically, a large portion of the stomach is removed along the major curve and the remaining parts are then stitched together in the shape of a tube or sleeve. This reduces stomach size so that the patient feels fuller after eating smaller meals. In fact the amount of food that can be taken in is often only about 10% of that which could be consume before the procedure. The technique also removes the portion of the stomach that produces hunger-inducing hormones thereby helping to control appetite. It is performed laparoscopically, meaning using minimally invasive methods, which also allows for a quicker recovery. Sometimes it is used as part of a two-phase operation in conjunction with gastric bypass, particularly in patients who have a BMI of greater than 60.

According the Healthline.com, many employees in the U.S. are now missing work days due to obesity-related illness to the point of costing employers more than $13 billion per year. There’s little doubt that a similar problem is developing in other western countries. Obesity and the complications from it are becoming more common than at any time in history. While we have solved the issue of inadequate food, we have at the same time created a new problem thanks to excess food and sedentary occupations and means of travel. With more food intake and less daily exercise, it’s not hard to see why our society in general is becoming obese each year.

Of course the best way to deal with this problem on an individual level is through diet and exercise. However for some people, attempts result in continual failure as they go through the yo-yo effect of losing weight and putting it back on again. Their weight often increases over time, despite frequent dieting.

Gastric sleeve is quite a radical surgical procedure but it can help the severely obese to lose weight quite quickly and effectively. It is not a solution on its own as it requires the co-operation of the patient in changing their lifestyle and diet. Unlike gastric banding, the operation is permanent and irreversible.

All surgery carries some degree of risk and it is important to be well-informed of this if you are considering gastric sleeve surgery to help you lose weight and improve your health. The important thing is to discuss it thoroughly with a specialist medical professional and consider your options before making a decision. If you have struggled for years to lose weight and your health is failing as a result, gastric sleeve surgery may well be an option.

Weight Loss – Problems From Weight Gain

Problems from weight gain are very numerous within the human body. These include obesity, thyroid, diabetes, high blood pressure, asthma, coronary heart disease, and more. I’ll discuss some of the more common ones that occur as a direct result of weight gain.

This article is only to define what can happen as a result of having problems with weight gain. It does not address causes and preventions. Those topics will be reserved for other articles.

Obesity

Obesity is defined simply as too much body fat and is a medical condition in which excess body fat has accumulated to the extent that it may have adverse effort on health. It can be a significant health risk and for adults is defined by using the “Body Mass Index” (BMI). If you have BMI between 25 and 30, you are considered overweight. If your BMI is between 30 and 40, you are considered morbidly obese.

Thyroid Problems

When your thyroid doesn’t function, it can affect every aspect of your health, and in particular, weight, depression and energy levels. Weight gain problems are one those conditions that can occur when the thyroid is under producing hormones. Fortunately, most thyroid problems can be managed well if properly diagnosed and treated.

Diabetes

Excessive body weight in itself does not cause Type 1 diabetes but it is not uncommon to become overweight after being diagnosed with diabetes. However, if you are overweight, it may make it much more difficult to control your blood sugar levels and being overweight or obese increases the risk for developing Type 2 diabetes.

High Blood Pressure

High blood pressure or hypertension is the most common chronic adult illness in the United States and being overweight increases your risk of developing high blood pressure. Obesity is one of the strongest predictive risk factors for developing high blood pressure.

Asthma

It has been shown that those who experienced problems with weight gain when first going on asthma control were significantly more likely to have problems with their asthma control than those who maintained their weight levels.

ModernMedicine reported on Aug 27, 2009, that in adult women, obesity and abdominal obesity are independently associated with adult-onset asthma.

Coronary heart Disease

Obesity is now recognized as a major risk factor for coronary heart disease which can lead to a heart attack. Your risk of heart disease increases if you are more than 30 percent overweight.

Cancer

In 2001, experts concluded that cancers of the colon, breast (postmenopausal), endometrium (the lining of the uterus), kidney, and esophagus are associated with obesity. Obesity and physical inactivity may account for 25 to 30 percent of several major cancers-colon, breast (postmenopausal), endometrial, kidney, and cancer of the esophagus.

As you can see, there are many problems with excessive body weight and especially if you are considered obese. Obesity is involved in each of the major health factors in one way or another. If you are overweight, getting your weight back under control will most likely improve your way of life and will go a longs ways towards either maintaining or improving you heath.

For more information on any of the topics, refer to the references below.

References

  • Medline Plus
  • Wikipedia
  • WebMD
  • Weight and Diabetes
  • Healthline
  • About.com:High Blood Pressure
  • Athma Health Center
  • America Heart Association
  • National Cancer Institute