Uses of Various Personal Loan Types

There are different types of personal loans that are available for individuals and business owners to choose from depending on the purpose of the loan. These loans have been subsidized into various forms ranging from personal commercials loans, personal investment real estate loans, no guarantee personal loan, commercial building personal loans to mention just but a few.

Personal commercial loan is a short term loan that is granted to business owners to either start or improve their businesses. In some countries, personal commercial loans are subdivided into various forms for use in running businesses. Normally, the repayment terms and conditions for this type of personal loan are always 90 days. The loan can either be secured or unsecured, but still it can be granted to various businesses including savings and associations, schools, insurance companies, credit unions, and all credit institutions amongst others.

Another type is the investment real estate personal loan which is short-term for meeting urgent financial need with real property as the collateral. This loan type is usually secured by a mortgage. The loan is granted specifically for purposes of initiating project and development programs which includes all kinds of real estate investment projects. There are many development projects that fall in this category.They include franchise, restaurants and different business premises. In addition, it can also be used to in modernizing existing projects and programs which perhaps lack funds to complete. Similarly, the loan can also be used in large scale projects such as building homes and buying automobiles. It is therefore evident that investment real estate loan has set uses, but though, your business plan will be needed to explain all that you want to spend the money on.

Another one is the personal loan no personal guarantee,which is simply a loan granted without personal guarantee. Building your corporate credit even at the time you do not need it is a very good step forward which puts you in a perfect position of obtaining loan no personal guarantee much easier.

A personal loan is characterized with many benefits. One of its benefits is its ability to give investor an opportunity of owning an asset even without enough funds that caters for its entire cost. Similarly, when you obtain personal loan, it gives you an opportunity of owning a real estate with less risk. Another benefit is that repayment of this loan is relatively easier since it is paid on annual basis.

10 Amazing Reasons To Eat Insects

1. Nutrition & Health

One of the most convincing arguments why you should consider eating insects, is from a health point of view. Insects generally are very high in protein, beneficial fats, vitamins, minerals and all essential amino acids.

Vitamin B12 for example is not available from plant sources, and many vegetarians and vegans are deficient in this. Insects are a great source of Vitamin B12. Nuts and pulses, though very healthy in other nutrients, lack this essential vitamin.

The combination of un- saturated omega- 3 and omega- 6 fatty acids is also high and comparable to that found in fish, which is higher than in pork and cattle.

As most insects are eaten whole, unlike conventional meat, the entire exoskeleton, muscle tissues and vital organs are consumed. This is part of the reason for the high micro- nutritional value of insects.

2. Less land requirements

Farming insects requires less land than farming traditional livestock. In fact, insects even like to be confined to small spaces, which can be seen in the way the cluster into certain patterns. Furthermore they can be stacked vertically unlike bigger animals.

If you compare the weight of protein produced with other livestock, insects require 2 to 10 times less space. Traditional livestock is presently occupying two thirds of the worlds’ land masses, and are the cause of some of our biggest environmental challenges. Climate change, over- fishing, pollution caused by fertilizing as well as pesticide use, are all reasons why the environment is being maxed out and something needs to change.

3. Less CO2 and ammonia emissions

Insects produce significantly less CO2 and ammonia emissions than cattle, pork and chicken. The reason for this is the much shorter lifespan of insects, which means less resources are required. In the case of crickets, they are fully grown at about 8 weeks. Compare that with cows, which are considered adults at about 2 years of age.

4. Quicker protein conversion

Insects are furthermore cold- blooded, meaning increased efficiency at converting food into protein. To produce the same amount of protein, crickets need 12 times less food than cattle, and only half the amount than pork and chicken.

5. Less feed and water requirements

Insects require less feed than other livestock, and about 80% of a cricket is digestible. This is most likely due to the fact that insects are cold- blooded and therefore don’t need food to stay warm. Insects also require significantly less water compared to cattle, pork and chicken.

6. Insects can live off organic waste products

Because insects are easy to please gastronomically, they can live off organic side streams like manure and compost. This in turn decreases environmental impact and adds value to waste products.

Insects could be fed biowaste, and in turn processed and fed to larger animals, which again could be sold to the consumer. Insects such as the black soldier fly, the common housefly and the yellow mealworm, are extremely efficient at converting organic waste, and estimations say that they could convert 1.3 billion tonnes of biowaste per year. Unfortunately this process is not yet allowed due to present and outdated food & feed legislation.

7. Ethical considerations

Insects are further down the food chain than other livestock, and don’t have many animal welfare issues associated with them. This could potentially be an argument for vegans and vegetarians to consume them, especially as they are high in Vitamin B12, which is not obtainable from plants.

8. Small risk of zoonotic infections

Diseases like foot and mouth disease, H5N1, avian influenza and bovine spongiform are less likely to be transmitted from insects to humans, because insects taxonomically are much more different than bigger animals. In recent years we have seen a rapid increase in these infections, likely caused by climate change as well as the intensification of animal production. However, more research is needed in this area.

9. Rearing insects is easy and cost- efficient

Farming insects is easy to learn and doesn’t require a lot of training or resources. Because the life- span of an insect is much shorter than traditional livestock, coupled with the fact that insects reproduce extremely quickly, this also results in quicker economical benefits.

10. No use of antibiotics, pesticides, GMO or hormones

Insects do not require antibiotics, the use of which especially in the poultry industry has led to a lot of debate. Excessive use of antibiotics can lead to bacteria, which become resistant, and in turn become a worrying danger to humans.

The use of pesticides is also not necessary, which logically is better for the environment and human health, as well as being more economical.

The same can be said for GMO and artificial hormones, all of which become superfluous when farming insects.

Courier Driver Insurance: What You Need to Know

There are many things that you need to set in place when you first start out working as a courier driver. However, one of the most important things on your list should be to ensure you have adequate insurance.

Finding suitable insurance is essential. Not only is insurance a legal requirement, but a policy that covers all your needs will also serve to provide you with peace of mind while you work. Here is what you need to know.

Courier Insurance is not Standard

Insurance is a legal requirement for every driver – in fact, even if you are not using your van a lot, it must still be insured. However, if you use your vehicle to carry out delivery work, you should be aware that you’ll need more than just standard vehicle insurance. As a courier driver, you will be considered a higher risk than other road users, because you will stop frequently, you have deadlines to meet, and you may also transport valuable goods that need to be covered under a policy. It therefore makes sense to spend adequate time researching the most suitable policy, even if that means spending a little more on it.

Different Types

There are different levels of policies that you can choose from. Everybody’s circumstances are unique, so it is important to find the most suitable policy for your personal situation when working as a courier driver. Various factors could influence your insurance, from the type of vehicle you drive to how far you travel and how many drop-offs you make.

One of the most important things to look for is goods in transit cover. This provides coverage for all the cargo you transport, some of which may be very valuable. If you have an accident or the goods are stolen, you are liable for the damage or loss, and this could cost you a lot of money. So to have complete peace of mind you’ll need to invest in decent goods in transit cover. (You should also find out what is not covered under a particular policy, as it may not include high-value goods like jewellery.)

Breakdown cover is another thing you should definitely consider including. This will provide you with protection should you experience problems on the road, as it can be very difficult if something goes wrong when you are working to a deadline.

Other things that may be covered in a policy include vandalism, overseas travel, public liability, employers’ liability, personal belongings and replacement van cover. You may also want to get a fleet policy if you have numerous vehicles. It’s important never to assume that any aspect is covered; always check the details carefully and understand exactly what you’re covered for as well as how much excess you will have to pay when you make a claim.

Look Around for a Suitable Policy

When you start your research for insurance, always search around and get quotes from various providers, as they’ll all provide slightly different policies at different prices. This is an important decision for any courier driver, so do spend some time over the process. And remember, don’t simply buy the cheapest you can find – you need to make sure it really does provide the cover you need.

Norman Dulwich is a correspondent for Courier Exchange, the world’s largest neutral trading hub for same day courier driver jobs in the express freight exchange industry. Over 3,000 transport exchange businesses are networked together through their website, trading courier jobs and capacity in a safe ‘wholesale’ environment.

How Crowdfunding Can Help Pay Medical Bills

Crowdfunding can help pay for medical bills… it really is that simple. You can crowdfund for just about anything, including medical bills. Many times people are placed in a medical crisis and aren’t sure where to turn. Medical bills can accumulate in no time and medical bankruptcy is a real thing. You’d be amazed by how many people in “your own crowd” are willing to help.

In a study published in January 2014 from the Center For Disease Control (CDC), one in four families experienced financial burdens of medical care.

This “financial burden” of medical care equates to medical bills that they can’t currently pay and are forced to pay monthly over time.

This study goes on to share that families with lower incomes were more likely to experience the financial burdens of medical care. Those families with incomes at or below 250% of the federal poverty level had the highest levels of any financial burden of medical care.

250% of the federal poverty level (based on guidelines for 2013) means that a family of four with an annual income of $58,875 or lower were at the highest level of the population feeling the financial burden of medical care for a loved one. That’s our middle class America. Those are the families living paycheck to paycheck and not prepared for a medical crisis.

The is a baby with his eyes closed and an oxygen canula in his nose. He was born with a bad heart, a weak immune system, and problems eating which caused a condition labeled by doctors as “failure to thrive”. Isaac spent the first year of his life in and out of hospitals in Las Vegas and at Stanford where he underwent multiple heart catheterizations and procedures, open heart surgeries, and had a feeding tube placed surgically to ensure he received the proper amount of nutrients. Isaac’s family had great insurance, covering 80% of all medical costs. But, they still spent over $100,000 out-of-pocket the first year of his life in deductibles and medical related expenses.

Shocking… right?

I know… My name is Kathy, and I’m Isaac’s mom.

I remember people asking us if they could have fundraisers for us, give us money… they would offer to do anything just to help. At that time, I could not have imagined the costs that we would incur, nor could I imagine all the things that insurance doesn’t cover. You assume that you pay for insurance, you’ll have a deductible… The End.

If that were only so.

Words of Advice:

Start a Crowdfunding Campaign Immediately

Don’t be too humble to let other people offer to help you. You really can’t imagine the costs of things in the medical world and how they add up. It is TOO hard to think about money when you’re talking about the healthcare of someone you love. You want anything and everything done… you’ll worry about the bills later.

From a Mom that’s Been There

Don’t expect the people in the middle of a medical crisis to be thinking clearly (well, I sure wasn’t). If you’re related to the family or just a loving friend… talk to them about the medical bills and the reality of the situation. Talk with them about what they need now and what their needs may be in the future and help them come up with a budget and plan to get everything their loved one needs. From bills, equipment, therapy sessions… even therapy dogs, all these things can be a necessity now or in the future.

How exactly will crowdfunding help pay my medical bills?

Well, they can’t send a check to the hospital for you, but they can offer you a platform that will help you tell your story as well as share it with your friends and family. The right crowdfunding platform will provide support for you all along the way, from guidance writing your story, picking pictures to post, sharing on the social media channels, and even help writing press releases to get national exposure.

Crowdfunding can help you pay for your medical bills by allowing YOU to take care of your family and letting your “crowd” help YOU. Donations will be made by people you have inspired and want to help you. These people will have a platform to donate to you on their schedule and an amount that is within their means. They will be assured that the funds are going directly to YOU and not an anonymous organization.

You are not alone in your medical crisis. Crowdfunding is a viable source for helping to pay for medical bills and other medical related necessities.