It Pays to be Prepared

Having diabetes can change to life of person entirely. From the way one chooses the foods that he will eat to the way he lives his daily life, everything will change. For someone who doesn’t know much about diabetes there are a lot of webs sites, magazines, and books that can help you understand better of the nature of diabetes.

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The greatest problem for diabetics is not being able to access medication when emergency situations occur. That is why, it is important to always have an emergency kit at hand. To keep the medicines from expiring, use them from time to time and replace them with new refills. The emergency kit can include cold medications, antacids, cough syrup, test strips and insulin with syringes if you use one and blood glucose monitoring supplies. If you will purchase over the counter medicines, make sure to read the label before using it. If there is a warning that diabetic people should consult their doctor before using the product, then do so. If you have these emergency kits at home, try to also have it at work or at school.

It is also essential to include in the emergency kit your medical history, prescription medications and emergency contacts. To keep them from getting wet, keep them in a water proof bags. If you are using insulin keep extra syringes, glucagons emergency kit and urine ketone strips. A glucagon emergency kit consists of a syringe filled with liquid which must be mixed with a powder. This kit is only used in case of a Severe Hypoglycemic Emergency. Try also to keep the insulin in a cool place as much as possible to keep it from being damaged.

For people who got caught in the Katrina and Rita hurricane disaster, being prepared made the difference between life and death. And for people with diabetes, being prepared is important to their own personal safety and health. Hence, the best thing a diabetic person can do to prevent any problem with diabetes is to live a healthy lifestyle. It is important to eat healthy foods and have a regular exercise to keep blood pressures at normal and reduce the risk of heart disease and other serious conditions. And most importantly, have emergency kits close at hand at all times.

"Bad Credit" Credit Cards: How You Can Avoid High Fees

Individuals with problematic credit histories often suffer unfairly from high mortgage, insurance, and car loan rates. On top of that, they have difficulty getting approved for credit cards. The whole situation can get extremely frustrating. Frequently, I get emails from consumers wondering what they can do to rebuild their credit. The first thing I tell them is to get a credit card designed for people with bad credit. The second thing I tell them is written in bold: READ THE FINE PRINT.

There are only a limited number of credit cards for individuals with bad credit. At first glance, many look the same. They all help build and rebuild your credit by reporting to the major credit bureaus on a monthly basis. They all provide you with the Visa or Mastercard you need to make many purchases. And they are all necessary evils that can save you thousands of dollars in mortgage and car loan rates in the future. However, you must read the fine print before applying for one of these credit cards, as they often charge high yearly fees, set-up fees, and even monthly fees. Here, I will examine a few examples of charges current “bad credit” credit cards bury in the fine print. Of the three major cards I will examine, only one stands out as consumer-friendly.

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“Bad Credit” Credit Card #1: This credit card charges a very low interest rate for an unsecured credit card. However, your first fine print glimpse reveals that there is a one time setup fee of $29. Not too bad. So far, since the next charge is a one time fee of $95. So far, we’re up to $124 in expenses. That’s got to be it, right? No. Add in another $48 for the annual fee and $6 per month in account maintenance fees. That’s brings the cost of your new credit card to $244 the first year, and $120 each additional year. This is no small change, and a card such as this should be considered only if you cannot be accepted for a better unsecured credit card for bad credit.

“Bad Credit” Credit Card #2: This credit card charges a very high interest rate for an unsecured credit card. This can’t be good. But the setup fee is only $29. Maybe this card isn’t so bad. There is that pesky monthly maintenance fee of $6.50 per month which brings the cost of this unsecured credit card to $107. Maybe we’ve found a bargain. Not quite. The annual fee is a whopping $150. Yes, $150 every year. That not only brings the initial cost up to $257, but you will also pay $228 a year just to maintain the credit card. There has to be a better offer.

“Bad Credit” Credit Card #3: This credit card is available as both a secured and unsecured credit card, based on the issuer’s review of your credit history. The interest rate is average, even competitive. Now, the fine print reveals that there is a one time setup fee. However, based on your credit, this fee can be as low as $0 or as high as $49. So far so good, especially if your credit is not that bad. But, there must be a huge annual fee. Not exactly. The annual fee for a secured credit card is only $35, and for an unsecured credit card, this fee can be as low as $39 or up to $79. So far, the cost of this card ranges from $35 to $128. Now its time for the monthly maintance fee. This one has to be huge. Or not. Its $0. That means the most you could possible be charged to obtain this credit card is $128, about half of what competing cards are charging.

Clearly, there are substantial difference between “bad credit” credit cards. Of the three offers we have examined, only one doesn’t take you to the cleaners. In fact, “bad credit” credit card #3 provides great value. All positive changes to your credit history and credit score will translate into lower loan rates, lower credit card interest rates, lower insurance rates, and ultimately, thousands of dollars in savings. The path to rebuilding credit has its costs, but in the long term, rebuilding your credit with a “bad credit” credit card is the fastest and most cost-efficient way to correct the often unfortunate circumstances that have damaged your credit in the first place.

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Guide to Acquiring UK Credit Cards

All credit cards come in many shapes, colors and sizes. They come in different types and brands with their own list of great deals to offer. UK credit cards are not different from these. When you apply for a UK credit card online, there are three easy steps you can follow. First, you can search through the list of UK credit cards you might find while surfing the net. Then, you can compare the rates and the fees of these UK credit cards side by side and prepare for the process of elimination. After you have weighed the pros and cons and the advantage and disadvantages of your top choices, you can now make the final decision, which among the UK credit cards offered would best suit your needs. Then, you may proceed with your UK credit card application by filling out the form online.

Things you should know before getting UK credit cards
Indeed, "plastic" has tremendously redefined the way people spend their money. In the US alone, more and more Americans are using credit cards because of the financial convenience it brings. When it comes to the UK, studies show that the Britons owe hundreds of millions in credit card debts. Being a flexible and accessible method of acquiring credit, various UK credit cards are being offered by major lenders to provide ultimate convenience to the consumers.

Applying for UK credit card can be both easy and difficult at the same time. Well, it can be surprisingly easy compared to spending the money itself. Getting a UK credit card is quite as easy like splurging your bucks on shopping spree. But, the difficult part when you have a UK credit card or any other credit card for that matter, is when the monthly bill arrives. Before getting a UK credit card, make sure to visit some guide and glossary so you will have all the information you need. Searching for important tips before you choose your UK credit card will help you become educated in your purchasing decision. Being informed before filling out for a UK credit card application will also help you reduce the possibility of getting stuck up in a credit card debt trap.

Reading some tips will also help you decide for yourself which among the list of UK credit cards would best suit your financing needs. You can choose the right UK credit card by comparing their features, interest rates, and benefits. Among the UK credit cards available, you should find the credit card with 0%, has the best rates and APR for balance transfers or purchases.  Most importantly, never forget to look for the UK credit card with lowest rates by reading the descriptions carefully before you apply for a credit card online.

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Top UK Credit Cards

Since more than half a million pounds are spent on UK credit cards every minute-amounting to tens of billions spent each year-it is very important to choose the best credit card for you. Here are some of the top UK credit cards available. With their own sets of great deals to offer, it's up to you, which among these UK credit cards is best for you. First among the list is Marbles. It offers up to 52 days' interest free credit, 0% balance transfers for the 1st 6 months, and 14.9 % APR. If you're the type of person who wants almost everything customized, this UK credit card lets you choose what your card will look like. It also lets you manage your account online. This UK credit card is designed in one of the safest and secure credit card systems around.

If you are looking for a UK credit card that offers from 0% APR on balance transfers, from 15.9% APR on card purchases, no annual fees, and a free 24-hour help line, then you might want to try Virgin Card. This UK credit card can actually be your exclusive pass to an exclusive online membership online stuffed with great money-off deals.
Another is the Egg Card that automatically gives you free purchase in transit protection for items. You can actually pay for all or part of your fare using this UK credit card plus the benefit of free personal travel accident insurance.
Apart from that, the customers also get a 10% discount on home and travel insurance policies when they use this UK credit card. The GM platinum card, on the other hand, offers 14.9 % APR, 0% per annum on balance transfers and purchases for 5 months, and online account management. The best thing about this UK credit card is that the holder will receive a 100 free Rebate Points the first time you use it. This unique reward scheme makes this UK credit card more fun compared to others.

After weighing all the pros and cons, advantages and disadvantages, you may now choose the best UK credit card for you.

The Cost Of Credit Cards

Although some choose to rush into getting a credit card, they normally do so without being aware of the costs.  A lot of credit cards out there come with hidden costs and charges, and you should always be aware of this before you apply.  In most cases, these fees and charges won’t get noticed by the user until it is too late.

Credit card holders who aren’t aware of any hidden costs could easily end up paying possibly thousands of dollars at the end of the year - and not even realize it.  If you have a reward credit card, your rewards could easily be destroyed by these hidden costs.  Although some credit card users may realize it, there are many out there who aren’t aware of these costs at all.

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The first factor for hidden costs is found in the grace period.  The grace period is the extra time you have to pay your bill without having extra fees added to your bill.  Even though this can be great for paying your bill, it can quickly lead to a pitfall if you let it.  To avoid any type of costs or hidden fees, you should pay your bill as soon as it arrives.  This way, you won’t have to worry about your grace period or the interest that can accrue from letting your bill get later and later.

The late fee is another factor with credit cards that is often overlooked by credit card users.  Late fees are common with credit cards, although their potential for costs is often overlooked.  Some people choose to pay it and be done with it, unaware of the fact that these costs can indeed add up in no time at all.  To be on the safe side, you should always know what the late charges are and how fast they can add up.

The easiest way to avoid any type of hidden fees or costs is to pay your bill on time - as soon as you receive your bill.  You should also pay more than the minimum, as this helps to pay your bill off faster and ensure that you pay the bill and not just the interest.  Paying your bill late is never a good thing, as it can easily destroy your credit report.  If you continue to make late payments, your company or bank can increase your interest rates.

No matter what you do, you should always pay your credit card bill on time.  Hidden fees and costs are out there - it’s up to you to avoid them.  Credit card companies and banks won’t tell you what the hidden fees are, unless you ask them.  To protect yourself and your credit - you should always be aware of the costs - and how to prevent them from happening to you.

Small Business Credit Cards

In today’s economy, small businesses play an important role.  These days, it is easier than it ever has been to start a new small business.  There are all kinds of new businesses popping up all over the United States, from department stores to gas stations.  With new businesses on the rise, the owners should be looking into small business credit cards - for numerous reasons.

The best reason to get a small business credit card is for separating your personal finances from any business related finances.  Once you have a small business credit card, you can start making all of your purchases via Internet, phone, or in person.  Business credit cards are accepted virtually everywhere, which is great for those who need equipment or supplies in a hurry.

If you own a small business, you’ve probably experimented with using your personal cash for company purposes.  This can get ugly in a hurry, which is why you should invest in a credit card for your small business.  You can make purchases without having to worry about cash, then pay it back later.  You won’t need to keep track of everything either - as you statement will be mailed to you at the end of the month, letting you know exactly how much you spent.

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A small business credit card is also a great way to establish some credibility with your business as well.  When you pay with your credit card, it looks a lot more professional than using cash to make your purchases.  It will gain the respect of financial companies, and help your business build some credit as well.  After you have had a credit card in good standing for a few months, you’ll be able to apply for a small business loan and get the best rates - along with the higher amounts.

Even though your business may not have a 6 figure income or budget, small business credit cards can still help your business grow and prosper.  Credit cards are always great to have, simply for the fact that you never know when you need money.  Your office equipment may crash and need replacing, or another emergency may come up.  If you don’t have a credit card for your business, the financing alone could shatter your daily operations.

Small business credit cards will also give you plenty of rewards as well.  Most cards will give you cash aback and certain rewards on just about anything you purchase.  From gas to equipment, you can get rewards simply for using your credit card.  You can increase your profit margin as well, which is always a great thing.  If you have other workers who are authorized to use your credit card, you’ll get more rewards - and much faster as well.  This is also easier on your business, as your workers will be able to get what they need, when they need it.

All in all, small business credit cards are always great to have around.  They will provide your business with rewards and convenience, eliminating the need to use cash with each purchase you make.  These cards will also protect the future of your business, and allow it to grow.  If you own a small business, you shouldn’t hesitate to look into these credit cards.  Once you have found the best credit card for your company, you shouldn’t hesitate to apply.  Credit cards are always great to have around - even if your business is just getting started.  Before you know it, your small business credit cards will more than pay for themselves.

Getting Your Credit Card Online

We all get credit card offers through traditional snail mail, and we all know how they work.  Although many credit card offers in the mail claim that you are already pre approved, you still have to wait weeks and weeks before you hear anything back once you apply.  These days are long gone though, as the Internet has made everything easier.  With the Internet, you can apply for a credit card online and receive a response if minutes - instead of waiting weeks and weeks.

If you have good credit, you’ll have no problems at all being approved online for a credit card.  Those cards that have the best terms and rates are always available for those who have good credit.  Therefore, before you apply online, you should know how good your credit is.  You can always get a free credit report online, and check your credit yourself.  If you do this at least twice a year, you’ll always know where you stand with your credit.

If you don’t know your credit score of if you haven’t looked at your credit report in a long time, now would be the time to do so.  Look over your credit report, and fix anything that doesn’t add a positive to your report.  Always keep in mind that even being turned down for a credit card online can affect your credit score as well, and play a major role with future credit offers.

Once you have looked at your credit report and determined how good your credit is, you can apply online for an immediate answer.  No matter which credit card company you visit online, they will all ask for your personal information, such as your name, phone number, social security number, age, employer, income, and things of that nature.

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Before you fill out the application online for your new card, you should always go over the terms and conditions very carefully.  You should look at the APR, and ensure that there are no surprises.  Once you have applied, the company will use your social security number to pull your credit report and use it to determine your credibility and whether or not they can be approved for a credit card.

When you begin filling out the application, you should make sure that the website you are using is encrypted.  The standard encryption these days is SSL 128-bit, which ensure that the information you are sending is protected.  If the website has less than 128-bit encryption, it may be possible for someone else to steal your information - which could result in identity theft.

Once you have finished filling out the application and send it on, you’ll have the final decision in a matter of minutes.  If you are using a credit card company with the right technology, the decision will be shown on the screen.  If the decision isn’t shown on the screen, it will be mailed to you via traditional snail mail.  In the event that you don’t get approved, you’ll be mailed the reason why.

If you’ve been approved, you can expect to receive your credit card in the mail within a few days.  Applying for a credit card online is always the preferred way to receive a credit card, as things will work much faster.  No more waiting for weeks at a time to receive a response, as you’ll know instantly.  There are hundreds of online credit card companies looking for your business - which gives you plenty of choices when choosing the credit card - and company that is best for you.

How to deal with credit card offer

If you’re a person who carries a balance, credit card offer might be the least thing on your mind right now. Credit card offer, no matter how enticing and convenient it might seem, may be the most expensive loans made by banks, department stores, and gasoline companies for you.

Sometimes, no matter how hard you try not to give in to the temptation the credit card offers, material cravings can sometimes be more powerful than the will of the mind. No matter how hard you try to resist the convenience and leisure the credit cards offer, you cannot help but to indulge. And the moment the credit card issuer offers you a card you can hardly wait for t to be approved and to use it to pay for items and services you fancy.

To avoid going beyond your credit limit, by now, you should know when to resist and indulge into the convenience the credit cards offer. Knowing how much the service provider or the store merchant collects from what you owe to your card issuer, you shouldn’t allow yourself spend what you don’t think you cannot pay. Or, by now, you should learn how to pay off what you owe each month, as long as you pay a minimum amount each time because this is what you get from what the credit card offers: interest on the balance you owe at the end of each period if do not pay the full balance every time your bill arrives.

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If you are having problems saying “no” to credit card offers, the most effective way to prevent yourself in engaging into another compromise is a little bit of truth serum—how much credit card issuers get from the transaction you engage with them. Although credit card offers the almost priceless campaign ultimate convenience, think about this: the people who offer credit cards generate high profits from the people they have issued the card. Basically, reciprocal to what the credit card offers, is the high rate of interest. The convenience credit card offers sometimes no longer mounts up to the interest on credit cards alone but also from the bulk of accounts the bank profits for every credit card issued.

There are also those companies that charge an annual fee as part the credit card offer. But most of these companies sometimes charge late fees, over-the-limit fees, and other “miscellaneous” charges that the credit card holder often mistook as part of the service charge. Now, knowing how much you really “contribute” to the companies’ profit every time you pay what the merchant charges or every time you pay the fees to service providers—would you still be blinded with what the credit card offers?

What you can do

Wanting to breakaway from the habitual indulgence to credit card offer? Here are some tips that can help you veer away from the constant misleading promises and overwhelming credit card offer. Before you give in to what a certain credit card offers, think first what’s the purpose of filling out an application for a credit card and why do you need it and how sure are you that you can comply with the conditions of having another card. If ever your needs really demand for a credit card, then you must look for the most suitable type that will work best for your specific situation. Sometimes it is not enough to shop around for credit cards based of what they offer. More often than not, it pays to understand the terms of what the credit card offers before you getting the card. You must also take time to review the disclosures of terms and fees might appear on credit card offers you receive.

If you are really a person who cannot say “no” to numerous credit card offers, you must learn to pay bills punctually so the interest and charges are as low as possible. It also pays to read monthly statements while keeping the copies of sales receipts so you would compare the charges.
Indeed, having a credit card has become ingrained in the consumer’s psyche. That’s why it is imperative that people understand clearly the responsibilities of being a credit card holder and not juts base their assumptions on what the credit card offers.

Massage therapy can help you get better sleep

Modern times give people ‘instant’ everything. It gives them ‘instant’ convenience, ‘instant’ solutions and ‘instant’ results among so many others. But, amidst all the advantages it gives to people, it also brings a lot of stress that hinders them to get better sleep.

Studies show that the most common cause of today’s health problems lack of sleep that can be caused by too much stress. Aside from improper diet, and unhealthy life style, prolonged periods of stress subconsciously affect many systems of the human body, lack of sleep may lead to possible health problems such as gastrointestinal disorders, heart disease, memory loss, and decreased immune function.

One of the most popular stress-reduction techniques being practice nowadays is massage therapy apart from using stress-relieving tablets and capsules. By definition, massage therapy is a hands-on manipulation of the soft tissues that include muscle, skin, tendons, and associated fascia, ligaments. Massage therapy also concentrates in treating joint capsules in the body. Apart from decreasing muscular tension and increasing the removal of metabolic waste, massage therapy also promotes nutrient delivery to healing tissue caused by extended periods of stress and will eventually help a person to get better sleep.

The wonders of massage therapy

Indeed, massage therapy has become a significant part of general health care for many people living in today’s stressful world. Numerous professionals and even traditional healthcare systems throughout the world recognizes that massage therapy can play an important role in treating chronic ailments can and contribute to a higher sense of general well-being since it greatly helps people get better sleep.

Considered as the modern antidote for stress, massage therapy helps combat stress by trying to reduce the tension build up in the muscles. Aside from boosting the body’s immune system, massage therapy prevents the decrease in circulation and nutrient delivery to tissues. Known as one of the ultimate “stress reducers,” more professionals are advising their patients to include massage therapy in their health care treatment plans.

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People, especially those who live by the rule of stress and don’t have enough sleep, find massage therapy very helpful in so many ways. Among the extensive benefits of massage therapy, most people consider the therapeutic affect of the treatment on their bodies. Since massage therapy causes diverse physiological effects due to the therapist’s hands moving over the body, its therapeutic affect is proven to improve health by acting directly on the muscular, nervous, circulatory and immune systems.

Aside from aiming to develop, maintain, rehabilitate, or augment physical function, massage therapy also relieves or prevents physical dysfunction and pain. Massage therapy also relaxes tight and tense muscles while improve circulation, recovery time, and immune system function, which reduce overall stress. And with the continuing research on the beneficial effects of massage therapy, its effectivity was also discovered in controlling chronic or acute pain.

Concentrated in creating different movements that can physically stretch muscles, ligaments, tendons, and fascia, massage therapy also encourages the circulation through the tissue, inhibit muscular spasms, and be either sedating or stimulating to the nervous system.

But, far from the common conception, elementary knowledge of massage therapy is not enough for ordinary individuals to practice it. Being a regulated health profession, massage therapy requires professionals who have completed hours of education at accredited schools and have extensive knowledge of anatomy and physiology, assessment, bodywork techniques, and pathology to know when massage therapy is or is not suitable.

With the array benefits massage therapy offers to people—specially in stress reduction and in helping them get better sleep—it is no wonder that a wide patronage of it will increase energy and will improve people’s outlook on life.