Sunday, April 28, 2013

5 Facts you should know about Payday Loans - Enterprise Dojo

forex tradingPayday loans, also known as cash advance, is an easy finance option for those who are in need of some instant cash. There are many businesses providing this service across the country and this happens to be a popular source of finance amongst many Americans. So if you are interested in this type of credit, here are 5 essential facts listed below which will help you understand what cash advance is and how it works -

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  1. Don?t worry about the credit score

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If you have a not-so-fair financial past and poor credit score, don?t worry. Unlike traditional bank loans, there is no credit check when it comes to get approved for these types of credits. Instead of your credit, these types of loans are secured by your employment.

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  1. You must have a secured employment

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The money you borrow from the lender, will be secured through the total amount of money you make. This signifies that your salary must be higher than the combined amount of the loan and additional fees. Make sure the employment is consistent and regular and note that any sort of freelance work or occasional employment is not counted. Some companies even require the borrower to have the job for a minimum time, before the loan will be sanctioned. There is also a minimum salary requirement which is usually something around 800 dollars per month, excluding all the taxes.

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  1. Make sure you have a bank account

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It is through your bank account the lender will get paid. If the cash becomes due, he posts the charge to your account. Moreover, it will take much longer to get the credit approved if you don?t have a bank account. However, don?t forget to keep your banking information with you, especially the routing number as it will be needed to deposit money to your account.

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  1. Be truthful to your lender

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While applying for a loan, make sure you provide absolutely correct information. Remember that being truthful to your lender is probably the most important factor to get approved for the loan. If you think that you can?t fulfill all the approval requirements, tell him and he will try to help you in every possible ways.

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  1. It?s a short term finance option

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The costs and features of payday loans make them suitable for short term requirements. Due to the high fees of borrowing, they prove to be very expensive when you think of a long term involvement.? Usually the fees vary from 15 to 35 dollars for every 100 dollars and the time period, usually allotted for repayments is 14 days.

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So, these are some of the basic facts that will help you get the best payday loans.

Source: http://www.enterprisedojo.com/5-facts-you-should-know-about-payday-loans/

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Saturday, April 27, 2013

Alabama family is making a run at a healthy lifestyle : JSNMA

The Stewart and Cochran family members, who joined the Family Fitness Challenge, walk on April 18 in Millbrook, Ala. From left: Jared Stewart, Debra Stewart, Ashley Stewart, Edward Cochran and Lenora Cochran.
(Photo: Lloyd Gallman, Montgomery (Ala.) Advertiser)

Montgomery, Ala., resident Ashley Stewart and her family have made drastic changes over the past three months, going from being almost completely sedentary to preparing to run a 5K, from eating fried foods and fast food to planting their own organic vegetable garden, from putting their health on the back burner to making it a priority.

Five family members have lost a total of 113 pounds since mid-January and made vast improvements in their overall fitness. ?To know that we?re able to jog and run now is crazy,? Ashley says. ?I don?t think I had ever seen my mom work out before this, and now she?s doing some kind of workout almost every day. It?s nice to see.?

The Stewarts and five other families have been participating in USA TODAY?s Family Fitness Challenge ? an initiative to help people across the country get more active and lose weight. The project is being produced in partnership with USA WEEKEND Magazine and?The Doctors?TV show. The families were paired with a fitness expert from the American College of Sports Medicine and a registered dietitian from the Academy of Nutrition and Dietetics.

The family includes Ashley Stewart, 25, and her husband, Jared, 25; her parents, Ed, 46, and Lenora Cochran, 45; and her mother-in-law, Debra Stewart, 52. At the beginning of the challenge, Ed had the most weight-related health issues, including type 2 diabetes, gout, high blood pressure and sleep apnea, a disorder in which breathing is briefly and repeatedly interrupted during sleep. But he has made dramatic health improvements over the past three months.

STORY:?Meet the Stewarts

STORY:?Ten tips for a healthier life

Ashley offers her assessment of the family?s accomplishments:

Biggest loser:??My dad. He lost 36 pounds. He looks like a million bucks. His face has slimmed down a lot, and even his tummy looks smaller. He weighed 241 pounds at the beginning of the challenge and now weighs 205. He?s 5-foot-8. He exercises every day, and dare I say it ? he?s becoming a gym rat. He can run 55 minutes without stopping. My dad and Jared have lost so much weight, they need new clothes.?

Biggest health improvement:??Not only is my dad the biggest loser, but he also has had the biggest health improvement. He is no longer taking insulin shots to control his diabetes, and the dosage of his diabetic medication has been reduced. He is able to sleep without snoring, and he has had no flare-ups from gout since embarking on this healthy journey.?

Biggest fitness accomplishment:??We run. I have never imagined myself getting on the treadmill at the gym or going outside for a jog or run. As a family, we?re able to jog/run together, and as individuals, we jog/run for exercise. It?s a good way to get our heart rate up, and I?m so proud that we?re able to do it.

?Debra did 12 push-ups at the start of the challenge, and she could 40 push-ups six weeks into it. Jared has lost 25 pounds. He goes to the gym every day. He is jogging on the treadmill now, where before, he could only walk. He?s lifting weights. You can see the weight loss in his face and his neck.?

Biggest diet change:??Consuming less sugar. Sometimes when people think of eating sugar, they think about cookies and cakes. Of course, we liked those, but we also added sugar to foods that were otherwise healthy, such as peas, carrots, collard greens, even spaghetti. Down south, everything tastes better fried and with a little sugar.

?We?ve learned to enjoy the natural tastes of vegetables without unnecessary additives. Instead of a hunk of red velvet cake for dessert, we enjoy the natural sweetness of fruit. On special occasions, we may still have cake, but always smaller portions and lower-sugar and lower-fat recipes. It?s amazing the swaps you can make in your regular recipes to lighten food up.?

The Family Fitness Challenge will feature six families aiming to make lifestyle changes.

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Biggest fitness change:??We now move. Before we moved only when we had to. Now we move because we want to. When I miss a group fitness class at the gym, I actually feel like I missed out on something. We now find fitness time enjoyable; before, it was a chore. I always wondered what it would feel like to enjoy working out, and now I get it.?

Hardest obstacle to overcome:??Controlling our personal environments. The gym serves pizza once a month, work parties happen often, and we have other family members and friends who eat lots of great-tasting food that isn?t good for us. We began taking lunch and snacks to work. I even put snacks in my car so I?m not tempted to stop for fast food. When going to gatherings where there will be food, we offer to bring a dish that?s healthy and delicious. When going out to eat, we review the menu and nutrition facts in advance to make meal decisions ahead of time. This is real life, and we can?t hide from food, but we can control what we eat and how much.?

Best lesson learned:??That healthy living is a way of life. So many times, we tried miracle diets to lose weight, but the weight always returns. This time, with making healthy choices and exercise, the weight is gone and it?s not coming back. The only regret we have is that we didn?t do it this way sooner.?

Best advice to others: ?Never give up. I have had my days where I felt like I will never lose the amount of weight that I want to because I ate peanut-butter cups at snack time. Peanut-butter cups will absolutely ruin a diet, but not a lifestyle. I had to remind myself that tomorrow is a new day and I could start fresh. Giving up is how I got to an unhealthy lifestyle in the first place, so I constantly remind myself that I don?t want to go back to that life.?

How they are going to stick with it: ?Our family will continue our healthy lifestyle by continuing to have Sunday Funday, where we get together and try new healthy recipes and work out together. We are planting an organic fruit and vegetable garden so that we can have access to fresh fruits and vegetables at a fraction of the normal costs. We will also stick to planning meals in advance and once-a-week weigh-ins to keep us on track.?

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Original article- Nanci Hellmich, USA Today- April 22, 2013

Source: http://jsnma.org/2013/04/alabama-family-is-making-a-run-at-a-healthy-lifestyle/

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Oppo's 4.7-inch, 6.93mm-thick R809T pays homage to the Finder

Oppo R809T

No, this isn't the world's thinnest phone thanks to Alcatel and BBK, but Oppo's recently announced R809T is still a seemingly attractive device judging by the above official image. Measuring at 6.93mm thick (instead of the rumored 6.13mm), we're surprised that Oppo didn't set this to be the follow-up to the Finder: sure, it's 0.28mm thicker, but it also aces the latter with a 4.7-inch 720p in-cell display, a 1.2GHz quad-core chip with 1GB RAM (likely MediaTek's Cortex-A7-based MT6589 SoC), Android 4.2 and a sorely missed 3.5mm headphone jack -- so no micro-USB adapter required. Then there's also an 8-megapixel main camera plus an increasingly common 2-megapixel, 88-degree wide front-facing imager, which is obviously no match for the 5-megapixel counterpart on Oppo's Ulike 2.

Pricing and availability have yet to be announced, but given the "T" in the model name, chances are it'll only work on China Mobile's TD-SCDMA network, anyway; unless you really don't mind using just GSM. Close-up shot after the break.

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