Personal loans are given out to people who want to avail an unsecured line of credit, since they have no collateral to put up and hence cannot avail regular loans. Most types of personal loans do not require collateral as security and the promise to repay money is the only assurance for the loan taken.
There are a number of things that you should take into account before applying for a personal loan among the multiple sources available to choose from. A thorough research of the lender, the interest rates at which the personal loan is being offered at and terms of condition of the loan will help you get the best deal.
Listed below are the different types of personal loans:
Personal loans are generally divided into two categories namely unsecured and secured loans.
Unsecured loans: Unsecured loans, as the name suggest, do not require any collateral security for the loan taken. Banks and financial institutions will generally not deal with a lot of unsecured loans since the only guarantee that the loan will ever be repaid is on the basis of the promise made by the borrower. Unsecured loans and short terms credits are generally given by individuals, credit unions, and third-party credit sources. However, the interest rate will be higher and to some extent even exorbitant.
Fixed rate personal loans: Normally personal and unsecured loans will have varying rates of interest, since there is no specific guarantee that the loan amount will be repaid back in time. the risk factor for the lender is higher and this drives up the rate of interest. However, in case of fixed rate as the name suggest, the rate of interest will not vary for the duration of the loan taken. The lines of credit in this case will have variable rates.
Variable rate personal loans: A schedule or clause in the agreement or contract for the loan taken will allow the interest rates to fluctuate, with some that carry a cap limit as to how much the interest rate can fluctuate. It is very important to verify the rate of interest, fluctuation caps, and the terms of variable rate personal loans before taking up the loan.
Lines of credit: A line of credit is a different borrowing system which allows you to use the available line of credit, which will be different for every borrower. Line of credit options generally include secured and unsecured options.
SafeLink Wireless is one of the most popular phone service providers in the country for people who want to save money. Its services are aimed at low-income groups or for those who are really striving hard to control their mobile usage and bring down their expensive bill cycles. Here are some benefits of using SafeLink phones.
SafeLink offers a Lifeline service. This service gives qualifying customers certain monthly discounts. The Lifeline program is very helpful to low-income consumers. Since 1984, the program has offered affordable phone service to low-income consumers. Each state has different guidelines to enroll for the Lifeline offer. To qualify for Lifeline, subscribers must meet several criteria which are listed online.
Switching to SafeLink from other services is super simple. There is very little effort you have to put in if you want to start your savings journey right away! What’s more, SafeLink also gives you a chance to keep your existing phone number! These services are also available for people registered with various federal assistance programs. The conditions/eligibility requirements differ from state to state.
Users can get a free a SafeLink Wireless cell phone or SIM card. Moreover, there is an assurance that users can use an exclusively prepaid facility. So, there are no bills and no contracts, unlike other service providers. One of the biggest reasons people don’t change to competitive service providers is because they have to take a long-term contract mandatorily.
With SafeLink, there is no obligation to enter into a contract/prepaid facility, which also helps consumers pay exactly for what they need. Bill cycles, confusing bill break-ups, and unexpectedly high payments due to unrestricted use are automatically removed from the equation when you use SafeLink phones.
These days, people cannot do without the Internet and use at least a minimum amount of data while on the go. Phones provided by SafeLink Wireless may not have all the features you want; however, this should not be a reason to keep you from enjoying the service. SafeLink also operates on a number of smartphones that are compatible with the service they provide. There are some excellent SafeLink phone options to choose from.
SafeLink-compatible phones are user-friendly and come with huge discounts as well. According to information shared by users, Apple iPhone is the greatest brand smartphone in the world. If you have a few extra dollars, you can subscribe to the iPhone 6 LTE smartphone. SafeLink has offered huge discounts on celebrated brands like Apple. Other SafeLink phones are also available. The discounts can easily be claimed at your nearest SafeLink shop.
There are some great phone brands to choose from. Paying less for calls and availing discounts or being part of the Lifeline program doesn’t mean that you have to compromise on the ease and comfort of smartphones. What’s more, SafeLink Smartphones from brands like Samsung, HTC, LG, Alcatel are available at highly discounted rates at SafeLink stores. Let us look at some of the most popular models for 2018 according to users.
This is the perfect choice for Android lovers and is compatible with the service. This is a steal for people who need to save up money and have basic mobile Internet requirements.
The HTC One M9 LTE has convenient features, great looks, and is pocket-friendly.
This SafeLink phone is ideal for low-income groups or for those who use very little Internet data. In spite of its super cheap price, the phone has good features, is sturdy, and allows you access to the Internet.
The brand speaks for itself. It is reliable, sturdy, sports an excellent design, and is affordable. This phone makes for a smooth browsing experience and has user-friendly features. It remains one of the popular SafeLink phone choices.
If you have a puppy, then you must be certainly concerned if your pet is getting enough nutrition or not. There are so many pet food brands on the market that it is easy to get confused with what to buy and which brand is offering the best puppy food. Nutrition is important for the healthy growth of your puppy. Lack of nutrition can lead to several health conditions for your little pet.
What nutrition is good for your puppy?
Whether it is human or animals, a well-balanced diet is needed to maintain good health. To maintain the development and growth of a puppy is a lot of hard work. If you don’t pay attention, your puppy may be deprived of essential nutrients. Puppies are very sensitive to the dietary deficiencies. Hence, it is very important that the puppies get healthy food during their initial years. So let’s find out the best puppy food that will let your pet grow healthy.
What should be the minimum nutrient content of puppy food?
Best puppy food is a properly balanced meal which is a combination of carbohydrates, protein, vitamins, fat minerals and water. Any brand that says that they make best puppy food must give 445 calories per serving. As per the chart provided by the American Association of Feed Control Officers (AAFCO), the best puppy food must have the following:
Nutrient Percentage
Protein 22%
Arginine 0.62%
Histidine 0.22%
Isoleucine 0.45%
Lysine 0.77%
Leucine 0.72%
Methionine + Cystine 0.53%
Phenylalanine +Tyrosine 0.89%
Threonine 0.58%
Tryptophan 0.20%
Valine 0.48%
Fat 8%
Calcium 1%
Phosphorous 0.8%
Sodium 0.3%
Chloride 0.45%
Some of the best puppy food brands that are known for their balanced nutrient contents are Earthborn Holistic Puppy Vantage, Taste of the Wild, Holistic Select, Wellness and Blue Buffalo.
Best puppy food must be rich in minerals, amino acids, fat, and protein. Apart from this, you also need to make sure your puppies get enough Omega 3 acids for healthy skin and proper development of eyes and brain. If your puppies are large breed, then you need to make sure they do not get any developmental diseases related to orthopedics. Usually, large puppies are prone to hip dysplasia which is a condition related to abnormal growth rate when they are deprived of essential nutrients in their diet. The diet meant for large breed puppies needs to be balanced in calcium and phosphorous because overeating calcium and phosphorous can make large breed puppies prone to orthopedic diseases. Also, the best puppy food designed for large breed puppies needs to be low in calorie and fat content.
Every nutrient in your puppy’s balanced food has a purpose and is essential for the healthy growth of your puppy. The nutrients keep the puppy away from serious health conditions related to heart, kidney, and other vital organs. The nutrients in the best puppy food help to build muscles, maintain the muscle tone and also repair the muscles. The nutrients also build healthy teeth and bones and make puppy active. When your puppy eats nutritious food, it gets the stamina to fight off infections. The protein in the diet helps the muscles to grow and function properly. Fats play an important role in providing energy and helping the brain to function normally. Fat also helps the skin and the hair to be healthy and shiny. The carbohydrates provide enough energy for the puppy to be active throughout the day. The minerals in the food are essential for the muscle contraction and the conduction of the nerve. The vitamins along with the minerals develop the puppy’s immune system and maintain the metabolism. Also, they together repair the damaged cells and help in regenerating and maintaining the normal function of the cells.
After one stops smoking, it might be difficult to quit. They undergo extreme symptoms of withdrawal, which is one of the more difficult health effects of smoking. Withdrawal symptoms come up in people as changes in their mood/mood swings, their behavior, as well as their body language. They appear after you stop smoking and start smoking again. Many of these occur when you don’t get the amount of nicotine—the additive that it was getting while you smoked. Many opt to use nicotine patches, gum, lozenges, mouth sprays, and inhalators to diminish the power of the withdrawal symptoms.
Major symptoms of withdrawal and the effects of smoking are:
A few of these symptoms may appear at quitting. Some show mild symptoms while others show severe. The withdrawal symptoms appear within the first 24 hours and peak during the first week. Most of the symptoms fade or disappear after a month. There are a few cases where the smoker has continued to feel the withdrawal symptoms and its ups and downs for several weeks. They feel the same even after six months of quitting smoking.
Other signs