The fact that your credit score took a hit some time back does not mean no one will provide a loan. In fact, You could qualify for one of the Magicalcredit.ca loans for bad credit and not even know it unless you remit an application. Assuming that you're approved, how could you put the money to good use? Here are some suggestions to consider. Pay Off Medical Debt Even with national and provincial health coverage, there may be certain types of medical support and procedures that are not included. That means you have to pay those expenses out of pocket. In order to prevent things from getting out of hand, it makes sense to use the proceeds from a loan to retire those debts. In some cases, the interest on the loan will be lower than the cumulative interest that you incur by allowing those individual balances to continue to accrue from month to month. Make Those Car Repairs You depend on your vehicle a lot. One of the primary reasons that it needs to remain roadworthy is the fact that you need a way to get to and from work. That becomes especially important if you sometimes have to work odd hours. It's one thing to use public transport when your hours are during the normal business day. If you work the night shift, the range of transportation options open to you may be more limited. If your car needs attention now but the bank account is empty, you don't have to keep driving in hopes that the car makes it one more day. Get the funds needed and have the car repaired. You'll feel a lot better when it's possible to get in the car and feel reasonably sure that it will get you to the destination and back home again in one piece.
Monday, August 30, 2021
Monday, August 23, 2021
Your Beloved Gadget For Very Long
Today, almost every person owns multiple gadgets, from laptops, mobile phones and cameras to eBooks, tablets, music players and GPS devices. While most of these devices provide trouble-free service for several years, it is the portable nature of these gadgets that can make them particularly vulnerable to damage, theft or loss when taken out and about. The only way you can protect yourself against the loss is to insure your gadget. Think about it this way - if your gadget was damaged or stolen would you be able to stay without it for any length of time? If you are going to be devastated should something happen to your gadget it is a sure sign that you need to get gadget insurance. Aren't gadgets included in home insurance? Not necessarily. There are a few home contents insurance policies that cover gadgets too but all don't. If you are already paying premium for your home contents insurance, take time to read through the clauses carefully to see what is insured as well as the extent of protection you are likely to get. If your gadget is not covered under your home contents insurance you should consider getting separate gadget insurance. A good gadget insurance policy protects you against accidental and liquid damage, theft and loss and more. How to Choose an Insurance Company That's Right For You Choosing the right insurance company should be top of your list when you are looking for gadget insurance. Without the proper due diligence you could end up with an insurance company that has a reputation for bad customer service. Here are some of the things you should look for when choosing an insurance company for your gadget insurance: • Is the company FCA regulated - If a company is FCA regulated it means that they operate to very high standards and are completely reliable. Insurance companies that are not FCA regulated may not be above board. That is not a chance you should be willing to make. • Check the company's rating - You can check the rating of any company today by using either a free or paid service. The ratings will give you a pretty good idea about the efficiency and trustworthiness of the company. • Does the insurance company have a physical address - Having a physical address gives the customer confidence that there are real people operating the company and these people can be approached when necessary. When a company operates entirely through the internet without a physical address, who do you go to if you are looking for the answer to a question or if you need something to help you resolve a problem? • Does the company have a plan that meets your needs?
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Sunday, August 22, 2021
Too Much on Your Plate?
When we want to lose weight, we find an eating plan that makes sense to us. We learn the principles, commit to the strategies, eat according to plan and lose weight. This should be the end of the story. But it's not. For over 99% of people the story does not end there. What happens? In short, LIFE happens. We get additional pressure from work. We have a fight with our spouse. Our eight year old goes through a"a stage". Our mother-in-law comes to visit. Any one of a million possible scenarios happens that causes additional stress in our lives, and has us reaching for a chocolate bar. Before we know it, we've regained that 5 kg's we lost and another 2 kg has come to join it. This is the yoyo effect emotional eating can have on our weight loss attempts. Everyone has stress in their lives, problems to solve and negative emotions to deal with, but not everyone eats in response to these common aspects of the human condition in the modern age. Emotional eating is a learned response - a learned way of dealing with unpleasant emotions. And as such, it can be unlearned. First of all, what is emotional eating? The most helpful definition is that it's when you eat in order to control your emotions and you do so in conflict with your true intentions. If your intention is to enjoy yourself at a party without regard to your weight or health and you eat and drink to your heart's content, it's not emotional eating. But if you're overweight, or have a health problem you know is related to what you eat, and you want to lose weight and improve your health by eating healthy food, but you eat food you know is not good for you because you're bored, that is emotional eating. When people eat for emotional reasons they often describe feelings of powerlessness, both in relation to their eating and their lives. Although these feelings are completely incorrect and false, people will believe them so much that they think they must eat to get rid of that feeling. There is a strong sense of compulsion to eat certain foods because the feeling of powerlessness is close to the source of panic. However, using food as a solution is both temporary and illusionary. It doesn't help you to actually deal with any of life's problems. In reality, we are using food to avoid dealing with life's problems. We've become hooked on a short cut to feeling better through food in the same way that an alcoholic or drug addict tries to feel better through alcohol, drugs or smoking. The problem is that the population is under increasing levels of stress in relation to the complexity of modern life, and hence we see increasing levels of obesity and food-related diseases. This situation is not going to change any time soon. So we need to find a way to break the habit of using food to feel better and learn new ways of dealing with life's problems.
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What Do Binge Eating Episodes Have In Common?
Not all binge eating looks the same. And I say that despite the DSM-5 criteria for Binge Eating Disorder. Binge eating disorder is the most common eating disorder in the U.S. It's characterized by recurrent and persistent episodes of binge eating. The episodes feel out of control. They're also associated with distress regarding the bingeing, and with 3 or more of the following: • Eating much more rapidly than normal • Eating until uncomfortably full • Eating large amounts of food when not physically hungry • Eating alone due to embarrassment over the quantity of food eaten • Feeling disgusted with oneself, depressed, or guilty afterward. In bulimia, the above behaviors are typically followed regularly by compensatory purging. But purging behaviors are either absent or only sporadically used in binge eating disorder. Okay, diagnostic criteria aside, I've observed different types of bingeing, both in my clients and in the participants in my doctoral research study. Some episodes fit the criteria with dead-on accuracy. Others vary - perhaps in quantity of food eaten, or in the "speed" with which it's eaten. Or sometimes in the time it takes for the binge to occur. That last variation allows me to include a phenomenon that I call a "binge day." Participants in my doctoral study kept food logs and were instructed to circle anything they considered a binge. A number of them, on several occasions, put a circle around the entire day's food log. That was a Binge Day. What's Up With Binge Days? The quantity of food over the entire Binge Day was typically quite large, but at no particular time of day did they binge by standard criteria. Yet these days happen too often and for too many participants/clients for me to ignore. What do those binge days have in common with DSM-5 binge eating episodes? The eating feels out of control. And here's what I've observed in my study and in my practice: Bingeing - "traditional" or otherwise - is often triggered by the consumption of sugar. Participants in my low-sugar group improved more than either the low-fat group or the controls in terms of the number of binge episodes, the food quantity eaten, the number of cravings, and the intensity of the cravings.
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