Browse Month

August 2016

Food Containing Carrageenan

There are several food stuff which contains Carrageenan  some of the common ones include:

  • Dairy alternatives
  • Chocolates and candy bars
  • Dairy like sour cream, yogurt, cottage cheese, ricotta cheese
  • Chocolate powder and milk
  • Coffee creamers
  • Coffee beveragesSeaweed-Carageenan

It is possible for a product to have Carrageenan as an ingredient and not be shown on the label. This is because, in actual sense, it is used as a processing aid and not as an ingredient. If you are in doubt as to whether the product has Carrageenan or not, it is advisable to call the manufacturer and inquire. The truth is, the law does not mandate ingredients to be listed on alcoholic beverages, yet Carrageenan is commonly used to clarify beer.

Here are some of the organic dairies with Carrageenan:

Chocolates with Carrageenan

  • Clover Stornetta
  • Avalon Dairy
  • Publix
  • Kirkland
  • Tricking Springs
  • Kalona Supernatural
  • Simple truth Organic

Cottage Cheese With Carrageenan

  • Avalon Dairy
  • 365 whole foods
  • Trader Joes
  • Clover Stornetta
  • Publix
  • Horizon
  • Simple Truth Organics

Cream Which Contains Carrageenan

  • Trader Joe’s
  • HEB
  • Stonyfield
  • O Organic
  • Stoneyfield
  • Olympic

Ice Cream That Contains Carrageenan

  • Trader Joe’s
  • Mapleton’s organic
  • Organic Meadow

There are also several conventional foods which contains Carrageenan. Here are some of them:

  • Chocolate and candy bars
    • PayDay Bar
    • Enjoy Choco boom rice milk and rice milk crunch
  • Chocolate milk and powders
    • Stop n shop
    • Borden
    • Promised land
    • Carnation breakfast essentials
    • Ovaltine
    • Carelick TruMoo
    • Nestle Nesquick
    • Hood Simply Smart
    • Cold stone creamery
  • Coffee Cream
    • So nice non dairy coffee creamer
    • Dairy gold
    • Silk non dairy coffee creamer
    • Friendly farm
    • Nestle coffeemate
    • Great value
    • Meadowgold
    • Hood fat free coffee creamer
    • King island coconut milk coffee creamer
  • Coffee Beverages
    • Starbucks drink with soymilk
    • Caribou
    • International delight
    • Coconut café

Much research has linked gastrointestinal inflammation to Carrageenan  including colon cancer via laboratory animals. Though feared to be harmful, it is still found in organic foods. This is due to misinformation which was supplied by the national organic standard board and the successful lobbying by food processors and manufacturers. Some researchers from  the university of Illinois college of medicine which included  Dr. Tobacman, have lobbied around the banning of Carrageenan from organic foods.small-carrageenan-2

Why Avoid Carragenan

Numerous research seems to point to more cons than pros for Carrageenan.  Research carried out on human cells and animals has revealed that it causes many health problems. It is as if the body considers it as a foreign thing and reacts by forming an inflammatory response. The lobbying and several research have not yet convinced the FDA to remove it from the US Food and Drug Administration as a banned substance. The best the EU did was to list it as a banned substance from infant formula, but it has no problem for use of Carrageenan in food for older infants.

Knowledge is power, share this information widely through a social media platform for many to learn.

Botox Training: The Important Things to Consider

Nowadays, the medical world is really becoming wider and wider. Cosmetics have become one of the major branches of the medical world. This is the main reason why people who are involved with cosmetics usually graduated with medical related courses. Since the competition in the medical world today is becoming really tighter and tighter, a lot of medical professionals, such as nurses and doctors, are looking for some great options in order to expand their horizons as far as their careers are concerned. One of the best things that these medical professionals can do is to take up botox training courses.

Knowing how to properly administer botox injections to the people can be a great added skill by those medical professionals out there. This can be their great edge to the other professionals in the medical industry. Through the botox courses, you can become expert in this cosmetic thing. This is the main reason why it is best for you to take up these courses. The big question is, do you know where you can enroll for these courses? Do you know how to find the best institution for botox training? In case you don’t, then here are some important things that you should take into account in order for you to find the finest institution where you can take up these courses: botox_training

Mode of Classes

Needless to say, the training that you will experience involves class sessions. And in these class sessions, your presence is highly required. After all, what’s the point of taking up the course if you will not attend to the class sessions where you will learn everything about the proper administration of botox injections? However, you need to know first if the training institution offers online or offline training classes. You must also take into account your personal preference. In case you do not have enough time to attend to offline class sessions, then why not go for a certain institution that offers online training classes for botox. But if you have enough time, then why not go for offline classes? It is much better since you will have the chance to meet and ask the instructors personally.535f8b4241c2c

The Instructors

One other important consideration is the instructors themselves. In other words, you need to know well who will be your instructors for your botox trainings, so that you will know that you will be dealing with highly qualified professionals. The teachers should have enough experience about proper administration of botox injections, and they should be very expert when it comes to cosmetics. With this, you can be sure that you will learn everything from the experts.

The Location

Before finally enrolling in a certain botox training institution, it is very important for you to take into account the location of the institution. If you prefer offline training classes, then make sure that the address of the training institution is just very near to your home address, or to your work address. In this way, it is very much easy for you to attend every botox training class whether you are at home or you are at work. The nearer the location is, the more convenient it can be on your part. This will also help you in saving money, especially from the fuel expenses. If this is just a walking distance, then there is no need for you to spend some amount for the fuel of your car.

The Reputation

Of course, you should not forget to take into account the reputation of the training institution that you will choose. Make sure that it is extremely reputable in giving botox trainings to the people who want to enroll with the certain medical related course. If you go for a very reputable one, you can reassure yourself that you will be getting all the necessary knowledge from the expert professionals. Keep in mind that the real qualified experts are employed in reliable training institutions. Hence, if you do not want to waste your effort of searching, then you must only settle with the most reliable training institution available.

The Tuition Fee

Tuition fee will always be there for you to mind, unless you are being offered with free training course by a certain institution. You need to know how much exactly you need to pay for the tuition fee. Remember that it is never easy to earn a living these days, so you must only spend for something worthy. Furthermore, you should find a very reliable institution that will offer you lower tuition fee without compromising the excellent training that you will go through.

These are some of the most important things that you need to consider in finding for the right institution that will offer you excellent botox trainingcourses. Through these courses, you will become expert in administering botox to the patients correctly and properly.

How To Select An Appropriate Webdesigner Kassel?

When you think of designing your company website, you need to hire reliable and quality web designer services as soon as possible. For sure, there are plenty of Webdesigner Kassel options which will easily lead to a bit of confusion. The best way to get out of the tricky situation and design a nice looking website is to collect enough information and cover all possible aspects of web designing.

Web designing is an art which demands skill, experience, knowledge and right application. As the owner of the company website, you need to very calculative and selective while choosing the Webdesigner Kassel services. There is no point in hiring the web designer who can’t meet your expectations. Just before making the final call and selecting the web designer, you need to be fully sure. Better is to go through reviews of different service providers and try to collect information regarding latest trend in web designing field. Xara 2

It is critical to understand, web designing is not a stagnant world and it will keep on changing and improving every day. New codes are being launched which should be implemented on our websites to make it best for the business. Definitely, we have more aspects to share, follow the below-mentioned details carefully:

  1. Purpose – When you get in touch with the Webdesigner Kassel service provider, you must know the exact purpose behind designing a website. Do you need a business purpose website or just for sharing information? The answer to this important query will help in finding out the person who can do the best web design job for you.
  2. Budget – Hiring a quality and skilled web designer will cost you a fair amount. If you think of saving money and still desire to have a nice website, I am sure you are riding the wrong bus. Reputed web designers can only provide the best possible website for your company so always have a nice budget in your hand.
  3. Skills and experiences- Checking out skills and experience is the best way to ensure the hired Webdesigner Kassel company is best in the web designing business. Try to find out the manner in which the designer will create your website. Once you get the satisfied answer, you can easily make the final decision.
  4. Unique and Innovating – Application of outdated and boring web designing ideas will not get you the potential customers. You need to make your website look awesome and still pretty informative. A good web designer will have unique yet effective ideas to build your company website with perfection.
  5. Reviews – This is the last important aspect which you should consider while selecting the web designing company. When you go through reviews you will come to know about the actual performance of the Webdesigner Kassel.website-designer-1

Just take care of the above-mentioned aspects and follow them properly to get a perfect looking effective website for your company. Designing website is the best thing you can do to attain success in today’s modern world, don’t miss the opportunity and hire Webdesigner Kassel services now.

Budget Cars For The Urban World

Want a car to commute comfortably daily? Tired of travelling in the buses and metros all the time? In dire need of a disposable and low maintenance car at your garage? A car which is luxurious and at the same time comes comfortably under the decided budget? Well here show listed is a fleet of efficient and elegant beauties that rule the road since they hit it. Go through it for once and you might find yourself spoilt for choices with all the cars under $10,000!

Infiniti G35

Initiated in 2003 to 2005, this is the optimum car to start the list with. One of the demanding prospects in the car that sets it apart from the rest and makes you want it more is the luxury and comfort it offers. And to top it all, the G35 has the car giant Infiniti’s name engraved on it. With more or less all the types in the G35 series having cushioned seats and alloy wheels while having wide features of button starts, Bluetooth along with the other benefits; they also have an in built navigation featuring system. A reliable car on the streets, the Infiniti G35 comes comfortably well under $10000.

6875

Nissan Versa

A formidable choice always when it came to cars is Nissan Versa. The hovering fact is that it does not have any sleek design or have any out of the world driving aids, but is the most inexpensive and popular car on the list. With a sound valve of 4 cylinders and a sleek body design for a hatchback, it is in demand.  Not too high on expectations but an apt car to run on the roads under $10000.

Toyota Corolla

A long time favorite, this Toyota model is offered as a sedan in the market. It was sold like hot cakes because at the time in the market, a sedan car with compact doors and body design is what the people wanted to have. Corolla can brag of it all- exclusive car features, low maintenance, easy to drive and handling features like navigations systems with an inbuilt AC. With a powerful engine in even the starting models, this car is a great choice to own under $10000. All these features are one of the main reasons it is in so much demand even today.

o88TKiM

Toyota RAV4

Toyota is really a great company that makes highly efficient cars that comes comfortably under $10000. One more efficient car to the list is RAV4. This model came into the market and fulfilled all the demands which were putting the SUV buyers having a difficult time to find in one car. With a magnificent fuel economy and east to drive experience, this model offers the choice of either being a manual or an automatic type. This car really is highly recommended to the buyers hoping to buy a great car under $10000.

We wish you good luck on your journey to venture more about used cars! For more, keep reading!

Explore the unexplored arena of various consulting organizations in Chicago!!

The expert of a consultant plays a very important role in building a business empire. It can either make the business touch the sky or can destruct the whole reputation of the organization. Hence hiring an appropriate consulting agency is very important as they offer the consultants whose expert advice helps in enhancing the growth the business organization.

attends a press junket for NBC's 'Chicago Fire', 'Chicago P.D.' and 'Chicago Med' at Cinespace Chicago Film Studios on November 9, 2015 in Chicago, Illinois.
attends a press junket for NBC’s ‘Chicago Fire’, ‘Chicago P.D.’ and ‘Chicago Med’ at Cinespace Chicago Film Studios on November 9, 2015 in Chicago, Illinois.

Person should never underestimate the power of advice as a good consultant can either make or break the reputation of the organization.  There are various firms which offer consultation in Chicago, but one must always check for the accreditation of the firm before hiring their consultants. The Chicago consultant firm should be accredited by a good organization or international council.attends a press junket for NBC's 'Chicago Fire', 'Chicago P.D.' and 'Chicago Med' at Cinespace Chicago Film Studios on November 9, 2015 in Chicago, Illinois.

Some of the popular example of organization form where the consultation firms should get their accreditation includes, The Chartered Institute of Management Consultants and the International Council of Management Consulting Institutes. These councils provide the credibility to the firms according to their performance, ensuring that the clients are getting the service they actually deserve. They fees they pay to various consultant firms should be for a value for money and they should get proper expert advice. Hence it is very important to check the accreditation of the organization.

Consulting becomes a very interesting task if done with enjoyment and based on real life examples. The solutions that the consultation firms provide to various business organizations should be inspired from real-life situations so that the solution becomes more feasible and effective.

Talking about its types

Whenever we talk of consultation firms, we discuss about the type of consultation the client is asking for. There are basically two types of consultation including, internal and external.

Internal consultants are the ones who work for an organization; also their services can be availed by employees of other departments. There is no compulsion that the consultant can give expert advice only to those who are a part of that particular organization. On the other hand, a consultant that if appointed through a consulting firm and his services can be availed only for a short period of time is known as an external consultant.

Consultation is generally provided to the client with the help of presentations, charts and especially designed software.  The consultant is known to have expertise in various fields. Though there is a hidden agenda to work on for the consultant, the major objective of the consultant is to give solutions of specific designed problems. If given a proper deadline, the consultant can focus more on the solution with lesser interruptions.

One of the major benefits of consultation is that it exposes the person to a diversity of assignments and solutions. Such exposure acts as a plus point in the career of the individual who aims to pursue a career in Consultation industry. The consultant gains breadth and depth across various client situations. Every solution is different for different organizations as it involves a different approach for various organizations.

The career of consultation develops some strong influential, analytical and communication skills. The career of consultation helps in gains some special skills like presentation, communication, teaming and many more. Proper and concise representation of the advice plays a very important role in filing the documentation of the advice.

It is very important that the consultant should know how to maintain the appropriate work life balance in personal and professional life which helps the person to develop a better performance. Hence, if one is planning to hire a consultant, he should research on the internet about their previous experiences and the fees they charge, and then make a decision.

Understanding The Issues Kids With Separated Parents Face

Going through separation is one of the toughest phases for a couple. The complication worsens when a child is involved. With the kidsafterseparation website there are various tips that are available to help children cope with the stress involved with their parent’s separation. As a parent it is normal to go through various emotions; however the advantage for adults is that they can speak about it. Children do not really know how to express themselves and that makes the coping and recovery process a lot more difficult.

The consultants at kids after separation help support the children while the divorce procedures are on. It is important for both parents to take care of their children’s needs before sorting out the other formalities of the divorce. There are various permutations and combinations when a child is involved in a divorce. There can be a case of shared custody, full custody for either parent, custody to a relative or a guardian if both parents are deemed unfit to raise a child or custody to the state if there are no options left for a child’s custody.

co-parenting

One of the most important things is listening to your child’s needs during the divorce procedure. The child has to learn to get accustomed to the new circumstances and they need to be assured that both parents will be available for their support. Ex couples should also maintain cordial relationships with each other after a divorce to keep the mental capability of a child stable. The counselors at kidsafterseparation have come up with a few basic needs after years of experience in this field. Some of the needs that need to be met at the time of divorce are:

  • Assurance from both parents that they will stay in touch. This can be via phone calls, letters or emails. If the court permits even the occasional visits can be put in.
  • Parents need to make the child feel loved. They should in no way be held responsible for the separation.
  • If the separation is due to the child, speak to the child and get the matter resolved rather than taking the drastic step of divorce.
  • Don’t make the child take sides or say derogatory things about the other parent to the child. Please remember that you may have stopped loving your spouse however your child loves you both equally.
  • If there is any message that needs to be passed to the other parent, please do so directly rather than passing it through the child.

parents kiss son

Kids after separation always suggests that parents communicate with their children. This helps you understand what your child is going through and it becomes easy for you to deal with them. Children can get demanding and stubborn during a divorce, but the last thing you want to do is get upset with them. They are very emotional during this time and are often hurt by the smallest things. It upsets them that their parents will no longer be together and you need to be strong for them.

For a child coping with divorce when they have other problems to deal with at school, the stress can get to them. Keeping your child in the right frame of mind at all times always helps with the well being of the child. Always speak the truth with your child and keep them informed of all decisions that may affect them during the divorce procedure. Let them know exactly how things will be rather than sugar coating it. They will eventually come to know the harsh reality and may not be able to cope with it then.

Finding The Finest Texas Dol Doctor

Texas is a very beautiful and progressive state that is located in the powerful country of United States of America. It is a very vast state that can be found in the southern part of the country. Because of its bigger size when it comes to land area, Texas has a very high percentage of population. When it comes to federal employees, this particular state also has a lot of them. These days, it is normal for some government employees in Texas to experience some issues where Texas DOL doctor can be very helpful. The truth is, there are a lot of DOL doctors that can be found in the said US state, but not all of them are reliable enough for you to deal with. Thus, it might be a little challenge on your part in searching for the best DOL doctor available in the state. If this is the case, then here are some important things that you need to consider in order for you to find the best DOL doctor that you need:

Reputation

The number one thing that you must take into account when searching for a DOL doctor in Texas is the reputation. It should be the very first thing that must come into your mind even though it is a not a Department of Labor doctor that you are looking for. It is simply because with the best reputation of a certain professional, you can be sure that you will not be wasting your time and money in availing his or her professional service. In knowing the doctor’s reputation, you can simply ask those people who have already tried the offered medical related service. You can ask if they are really satisfied enough with the service. Keep in mind that the more number of satisfied customers the particular Texas DOL doctor has, the higher the possibility that he or she is a very reputable doctor.

slider-13

Work Experience

One other extremely important consideration that you should take is the work experience of a certain doctor. Do not forget the fact that there are lots of Department of Labor doctors who are not that excellent in doing their job. Furthermore, they are not that well-experienced when it comes to their field of work, making them to be a bit unreliable. This is the major reason why you need to take into account the work experience of a doctor. The doctor should have a very wide and long working experience in entertaining medical issues from a number of federal employees like you. In this way, you can be sure that he or she will understand your case well, so there will no need for more explanations from your part. It will then help you save so much time in explaining.

Professional Fee

pic4

Professional fee is another thing that must be taken into account when searching for a DOL doctor in the US state of Texas. While there are private doctors out there who can help you a lot in getting the right treatment for you, it is still best to go for a Texas DOL doctor since in most cases, there is no need for you to pay for any amount in case you are a federal employee. Meaning to say, when you got injured while working in the office of any branch of the government in Texas, it is rest assured that you will have a free medical treatment from a professional doctor.

These are just some of the important considerations that you should be taking in case you are searching for a reliable DOL doctor in Texas. With these things, there is no way you cannot find the most reputable one.

Your Guide To Dentures!

Introduction:

As the model walked down the runway elegantly, her audience were put in a trance by her captivating smile and persona. Not a single person could stop looking at her beautiful face, illuminated by a smile that reached her eyes. She brought an aura of confidence in her stride and her walk spread awe and wonder in the hearts of many. By now, you must have guessed that a smile can make or break a person’s confidence. But what about those who suffer from old age? Dentures are a golden solution for those who lose a majority of their teeth due to old age or other issues and they breathe new life into the person’s confidence. People with dental complications can suffer from serious self-esteem issues and moreover, relishing a scrumptious meal without a set of fully functional teeth is quite a daunting task. Thankfully, science has always been mankind’s biggest ally, which is why the advancement of medical science saw the birth of artificial teeth, also known as dentures. Curious to know more? Keep reading!180408671_20-lg

Dentures:

Dentures are basically prosthetic teeth which can be placed in one’s mouth, supported by the tissues constituting the oral cavity. They are useful when it comes to replacing missing teeth and the popular denture designs allow removable devices. These can be worn and removed as per one’s convenience because most patients are not too comfortable wearing it permanently. The usual causes that lead to loss of teeth are dental diseases, tooth decay, genetic defects, old age or malnutrition. Dentures play a multitude of roles such as aiding chewing, facilitating improved pronunciation in patients, improving the appearance of the person’s face by adding a natural touch to it and consequently boosting their self-esteem. There are two types of dentures: removable partial dentures and complete dentures. The former are used by those who have a few missing teeth at specific places. Flexible partial ones are deemed as the most comfortable option, thus catapulting it to an extremely popular position. Digital technology has also lent heavy doses of help towards the design of these devices, which has resulted in instilling high amounts of satisfaction in the minds of the patients. Complete dentures are worn only by those who have lost all their teeth in an arch.denture1

Fabrication:

But haven’t you wondered what actually goes into the manufacturing process of dentures? Fabricated in dental laboratories by professionally trained denturists, modern dentures are made from tissue shaded raw materials like polymethylmethacrylate. Beginning with a basic dental impression, the denturist gets a gist of the design with the help of a simple model. Further intricate detailing is added by making new models and the final model is crafted using polyvinylsiloxane. A wax rim and bite registration is also included to give the model its finishing touches and after processing, which involves heat-curing or cold-curing, the denture is complete. Of course, the acrylic is polished and other tiny details are taken care of in the final stage.

Disadvantages:

However, just like every coin has two sides to it, dentures also give rise to a few problems. Excess secretion of saliva is prone to happen in the first 12-24 hours of installation and sore spots are also common occurrences. Gagging is also predominant and sometimes, this problem is caused by purely psychological issues, which becomes harder to treat. However, the most common problem encountered by those who wear upper complete denture is the loss of sensation of taste.

Conclusion:

Overall, dentures are a boon to those suffer from oral complications. Most of us take for granted the vital role that teeth play in our lives, but dentures are a solution to the woes of every dental patient. And to add an icing to the cake, they come at nominal and affordable prices too. Doesn’t really get any better than this, does it?

The Importance Of Social Media Marketing

If you are looking to expand your business and you want the right exposure then websites like www.inc.com offer some of the best solutions that not only help your business grow but also enable you to get the right exposure which is essential for the success of your business. While there are a number of methods to promote your business, social media and online marketing happen to be the best ways to target the right customer with the least investment.003_socialmedia Social media marketing helps you to choose your target audience which enables you to get the right exposure. While exposure is a good thing, getting the right kind of exposure is the only thing that will benefit your business. This is why social media marketing is better than other marketing methods available.

According to www.inc.com, if you are looking to establish a brand name for your business in a short time span then social media marketing works best. This helps you to become a known name in your business and enables people in and around your area to get to know about your presence. This helps not only to target your customers today, but also help to let them know you exist and this enables them to contact you in future too.20150428223214-social-media-facebook-twitter-instagram

www.inc.com also states that most customers prefer businesses that advertise online in comparison to the ones that don’t. This is because businesses that are online are transparent and people manage to give them the right kind of feedback good or bad. This is one of the main reasons why people prefer a business that has an online presence. Apart from this, social media marketing helps in SEO as well. Al the efforts that you put into SEO will show when you choose to advertise on a social media platform.

Quick Loans: meaning and usage of loan

In today’s world where everyone is moving at a frenetic pace, it becomes quite difficult for some people to keep track of their finances. This can lead to complicated and ugly situations and to tide over their fiscal woes, they turn to borrowing. While some have the wisdom to make the right choices, a lot of individuals make the wrong decisions, especially when they are under pressure. Turning to pikavipit seems the easiest solution as many of these types of loans are available online and they advance you the money required in a matter of minutes. Their application process is very simple and the funds are transferred directly to the borrower’s bank account.payday-cash-advance-loans

Why Quick Loans?

There are various factors that turn people to borrowing. Extravagant lifestyles or bad investments, or emergencies and unforeseeable events of many kinds makes people to choose this option as it is faster than traditional sources like banks. Also, many a time the borrowers may have already tried and failed to obtain loans banks and other financial institutions. Quick loans offer the easy way out of troubles as they provide the money almost instantly. Given the fact that these loans, being of small value inherently don’t require a collateral security also attracts those people who don’t qualify for loans from banks. payday-loan-1

Repayment

Since these loans are given at short notice and without any security and for very short loan periods, the interest rates are higher than banks. At the time of taking these loans, most people don’t realize the impact of the higher interest rate. It is a very important thing to know exactly how the loan works and what are the terms and conditions. Making hasty ill informed decisions can only lead to further problems. Sometimes, the amount of money paid in interests totals to more than the initial loan amount if not repaid in the stipulated time. Anyone who takes these types of quick and short term loans must ensure that they are repaid within that time and not extended over a long period. The longer the loan period, the more acute is the borrower’s problem.

Criticism

These types of loans have received severe criticism for various reasons.  The critics say that lenders often trap people from low income groups and exploit them financially. The lenders on the other hand argue that if it were not for these short term loans, these borrowers would have no other option. Another reason for disapproving these loans is the methods employed by lenders to recover the debts. Lenders are known to have used intimidation and force on borrowers.

Many laws have been established and enforced to protect the borrowers from unnecessary harassment, but the lenders have invariably found ways to circumvent these laws.

Should these loans be taken?

While not prudent, sometimes emergencies do arise which may force a persons hand. However, du caution must be observed and the loans should be repaid within the time period. Many people will take a second one in order to repay the first loan. This situation should be avoided as it can turn into a vicious cycle that could financially cripple a person. Also, all other options like banking loans and overdraft facilities, credit cards, etc., should be tried before choosing this option. Also, many lenders lure people into taking more loans than they actually require. So, anyone taking a short term loan should only borrow what is required, that is the bare minimum. Also, this route should only be taken to cater for emergencies or necessities and not for investing in stock markets or to lead and support expensive and avoidable lifestyles.

Financial decisions have long term impacts and an unwise judgment could lead to severe complications and problems.