Wednesday, August 22, 2007

Secured Loans - Choice of Many

Secured loans, to be very frank, are not exactly the most sought after ones in the UK financial market. Though, the trend has been changing now with more and more financial experts recommending secured loans due to its longer repayment duration which means smaller monthly installments. Yet, the fear of losing ones home in case of non-payment is one thing that still keeps people wary of the secured loan option.

With increasing property prices in UK, a secured loan could be an ideal option to release cash for all your requirements in life. This way you can make your biggest asset, your home to be a working member of the family. One big advantage that you get with secured loans is that the repayment period can be stretched till 25 years! Smaller monthly installments would mean that the borrower would find it extremely easy to repay the loan without facing much of a hassle.

A secured loan is the preferred choice of the ones who have County Court Judgments against them. This loan type is easily made available even to the people with a bad credit history as it is backed by a property. This provides the lender with an assurance that the amount given as loan can be easily procured back.

Debt consolidation is another major purpose for which secured loans is needed. The interest rate will certainly be lesser than other options available like a credit card debt. Just keep in mind the only concern associated with this loan type. Show utmost alacrity in paying off your installment on time. After all, your home, your most important asset is at stake.

Adam Jaylin would provide you the best and latest info on Compare Loans and Personal Loans

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Buying a Home After Foreclosure

Many people fear that buying a home after foreclosure is impossible. Fortunately, that is not true. You can live your dream of homeownership a second time. Read on to learn more.

Foreclosures happen. They can be a terrible event in anyones life, but they will not eliminate your chances of getting another loan. If you are interested in buying a home after foreclosure, it is possible. You simply need to follow these basic rules:

Give It Some Time

Most lenders recommend that homebuyers wait at least two years after a foreclosure before applying for another home loan. This two year period gives you an opportunity to get your finances in order and rebuild your credit. If you dont want to wait two years before buying a home after foreclosure, you may be able to find a lender who is willing to make an exception to this rule. However, you will probably need a significant down payment and a fairly good credit score.

Rebuild Your Credit

A home foreclosure can have a negative impact on your credit rating. If you are thinking about buying a home after foreclosure, the first thing you will want to do is begin rebuilding your credit. Start by paying all of your monthly bills and loan installments on time. This will show lenders that you are responsible with your bills. If you are in a position to do so, you may also want to get a low interest credit card and make a few charges. Just make sure that you pay the debts off before the interest kicks in, or make regular payments on the balance.

For a list of Recommended Bad Credit Mortgage Lenders Online, visit http://www.abcloanguide.com, an informational website about various types of loans.

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Body Dysmorphia: Mind Games After Gastric Bypass Surgery

Maybe youve heard about body dysmorphia its a mental image many victims of anorexia nervosa have that tells them they look fat, even when they are emaciated. Bariatric patients can suffer from body dysmorphia as well.

When we were morbidly obese our emotional coping mechanisms kicked in and many of us were able to convince ourselves we really werent that big. It is emotionally kinder to avoid body criticism, the whole issue seems hopeless. In fact, many morbidly obese patients will say they see themselves normal sized. That is until a rude moment reminds them they are not normal sized: a skinny chair, a turnstile, a bathroom stall, a flight of stairs, a photograph. This false perception is a subconscious coping strategy to protect us from the brutal truth, the truth about how big morbidly obese really is.

My sister and I were clothes shopping one day with our morbidly obese mother. She tried an outfit and complained to us, but it makes me look fat. And gently we told her, Mom, you are fat. Intellectually my mother knows she is morbidly obese, but the emotional issues run over reason and she doesnt see herself fat. She is in serious denial that is preventing her from getting the help she needs bariatric surgery to save her life.

After surgery, there is a tendency for the body dysmorphia to reverse. Before surgery we denied how big we were, after surgery we judge ourselves critically like the anorexic and fail to see an honest reflection. One woman, down from size 24 to size 10 wrote, I feel fat daily. I never felt this at 248 pounds I saw a thinner person in the mirror than I see now. I look at my size 10 jeans and they look like tents. I dont feel as attractive as I did when I was heavy. I dont understand it, she continued, but I think it has to do with learning to accept yourself fat so you didnt see all the fat. Now I just have to learn to accept myself as thinner.

Many patients report hyper-judging their figures after weight loss. It seems the thinner you get the more judgmental of your body you become. To this day, the first thing I see in my reflection in my pudgy tummy I think its enormous. I dont see long slender legs or a tiny waist or trim arms. I see a Buddha belly. Ive even apologized for my Chubby Girl tummy to others when they compliment my new figure. The apology usually goes, Yes, but I cant get rid of this stomach. I say this while pointing to my "flaw".

That is wrong and brutally unfair to myself. I am working daily to keep this hyper-judgment in check, reminding myself the days of belittlement and self-loathing are over. Now is the time when I love myself.

Patients report universal success when they do one thing in the face of body dysmorphia: dress to impress! Get rid of the flowing camouflage clothes and wear a smart, well fitted outfit. Gentlemen, tuck in your shirts in. Ladies, wear a fitted skirt with a waistband. Small sized fat clothes do nothing for body image dump that style and get something that flatters your new size. Enlist the help of friends you trust to find flattering clothes. Sometimes you have to force yourself to see your body as it is, a great fitting outfit will certainly do the trick.

Extreme cases of body dysmorphia after gastric bypass weight loss may be treated with counseling and psycho-therapy.

Kaye Bailey is a weight loss surgery success story having maintained her health and goal weight for 5+ years. An award winning journalist, she is the author and webmaster of http://www.livingafterwls.com and http://www.livingafterwls.blogspot.com - Fresh & insightful content is added daily, check in often.

Copyright 2005 Kaye Bailey - All Rights Reserved.

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The Best Creative Ways to Propose

Marriage proposals made over a romantic dinner at an elegant restaurant can be very romantic but they are not necessarily creative. Many women dream about the day that the man of their dreams proposes to them and hope that the day will be absolutely perfect in every way imaginable. In a recent study the majority of married women reported that they believe that their spouse spent a significant amount of money on their wedding proposal but that the lack of originality in the proposal had left the women feeling disappointed.

One creative way to propose for a couple involved in a long distance relationship is to plan a surprise visit and set up a scavenger hunt. You could have a friend pick you up from the airport so that your girlfriend doesnt know that you are coming to visit and have the friend give your girlfriend instructions for the scavenger hunt. You could hide a number of small surprises such as candy, flowers and a CD as the first few stops on the scavenger hunt and then hide at the final location poised to propose when your girlfriend completes the game.

An outdoor enthusiast might appreciate a creative proposal during a camping trip. Its a good idea to plan a quiet trip for just you and your girlfriend at a picturesque location. You could hide the ring in your sleeping bag to use in a surprise proposal. When its time to go to sleep after a long day of hiking and fishing, you could complain that there must be a rock or something underneath you and then pull out the ring and make your proposal. This creative proposal also contains the element of surprise as a camping trip is not a usual proposal location.

Another creative proposal idea is to place an ad in a local newspaper. You could place an outrageous ad in a newspaper asking anyone who was willing to get married to give you a call and include a fictitious phone number. Then when you and your girlfriend are reading the paper together, you could point out the ad as a joke and while she is reading the ad, seize the opportunity to pull out the engagement ring and let her know that you would love to marry her.

Proposing at a sporting event is a creative way to propose to a sports fan. For this proposal idea you could either arrange to have your proposal broadcast over the public address system or displayed on the large screen. If you are really adventurous, you could also contact the teams public relations department and try to make arrangements to make your proposal on the field at halftime. They might be willing to help you stage a scenario where you are either chosen to win a prize or participate in a contest and while you are on the field, they would hand over the microphone to allow you to make your proposal.

Another creative marriage proposal idea is to purchase a book of poems and leave the first few pages intact and carve a heart into the remaining pages and sew the engagement ring to the back of the book. You could suggest taking turns reading the poems on each page and plan to have your girlfriend turn the final complete page to reveal the heart and ring that were hidden inside. This proposal idea is not only creative but also incredibly romantic.

Having the DJ of your girlfriends favorite radio program ask her if she will marry you is another creative proposal idea. You will want to make sure that you are aware of the exact time that the DJ will be sending your message so that you are able to ensure that you and your girlfriend are listening together when he makes the announcement. You could also arrange to have the DJ play a song that has a special meaning for you as a couple so that you can enjoy a dance together after she accepts your creative proposal.

Another creative way to propose is to include all of your family and friends in the event by inviting them all to a surprise party for your girlfriend. To make this proposal work, you would either convince your girlfriend that you want to have a quiet dinner at home or at a restaurant with just the two of you. Once you arrive at the destination all of the guests will reveal themselves and while all eyes are on the two of you, you could take the opportunity to profess your love and propose.

Still another creative way to propose is to hide the ring in an unexpected location. For example you could pretend to have a clogged sink and while you are working to fix the clog, you could reach into the sink and pull out the engagement ring. When your girlfriend is nearby, you could seize the opportunity to pull out the ring you had hidden earlier and say something to the effect of, No wonder the sink is clogged, Ill have to find another place to store this ring, how about your finger? This whimsical proposal is both light-hearted and creative.

A variation on the traditional proposal at an elegant restaurant could be to have the waiter bring out the ring with the bill. You could have a little good natured fun with your girlfriend by going out of your way to drop hints that you would be proposing over dinner. If you keep up the act, she will be expecting your proposal with each course. After dessert you could tell her that you have something very important to ask and as she eagerly awaits your proposal, you could ask an inconsequential question about something completely irrelevant to your relationship. She will probably be furious at this point but her anger wont last as the waiter arrives with the bill and the engagement ring and you let her know how much she means to you.

Finally a creative proposal idea is for the woman to ask the man to marry her, instead of waiting for him to propose. Many women anxiously await the day that the man in their life will propose but why not add your own creative twist by proposing to him instead. The woman is free to propose in any way that she finds truly romantic and can ensure that the proposal is both creative and romantic and that its a moment that they both will remember for the rest of their lives.

A great marriage proposal doesnt have to be expensive or extravagant. Many women are more likely to cherish the memories of a proposal that was inexpensive but truly creative. The creativity is what makes the proposal so memorable and what makes it a great story to tell their friends.

Masni Rizal Mansor is the publisher for My Wedding Dresses. Get the best discount wedding dresses and cheap wedding invitation card

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