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In the present day scenario, borrowers with bad credit are provided with ample opportunities to improve their financial status. To avail the maximum benefits, even if collateral is required to be pledged, it is completely worth it. This can be done through bad credit secured loans.

Bad credit is a situation in which there is a default in the credit history of the borrower. This may be due to any of the following:

* Defaults
* County Court Judgments
* Bad credit score of less than 580
* Arrears

Bad credit situation of borrower can arise due to various factors like bad credit in past, long time illness, loss of job, regularly shifting job or address, defaults in the payments, lavishly spending money, defaults while dealing with several loans for personal needs etc.

The borrower can make the bad credit loan secured by pledging collateral with the lender. The collateral can be any asset like car, house, stocks, and bonds etc which hold some equity value in the market. The bad credit secured loan is approved based on this equity

With http://www.badcreditloansinformation.com/, the borrower can fulfill any requirement that he has like debt consolidation, home improvement, a vacation, educational expense, wedding expenses, etc.

An amount of 5000-75000 can be borrowed through bad credit secured loans. This amount is required to be repaid to the lender in a term of 5-25 years. The interest rate is low even for bad credit borrowers as there is attachment of collateral with the bad credit loan.

A search for bad credit secured loans can be conducted online. There are numerous lenders present in the online market who are ready to offer to money at low rate to borrowers ready to place collateral. So a thorough search can help a great deal in obtaining a loan.

Bad credit secured loans are the best way for a bad credit borrower if he wants a low interest rate and a good repayment term for the bad credit loan.

Carmen Cortez is a specialist advisor of every type of business loan and currently working as Bad Credit Secured Loans. For further details of bad credit secured loans, bad credit personal loans, bad credit loans uk, loans in uk, bad credit secured loans uk, bad credit unsecured loans uk you need to visit http://www.badcreditloansinformation.com/

Most homeowners are energy conscious and would like to do more but the cost of installing energy saving items can be prohibitive. If your boiler is inefficient and you need to replace it with a more efficient system, it could cost you thousands of pounds.

In addition domestic wind turbines, solar panels and ground source heat pumps are expensive and take over ten years to recover your investment. Most homeowners are keen to introduce changes but are trapped by rising costs. With rising fuel cost, homeowners are likely to turn their heating down to save money. This could see the return of hypothermia amongst the elderly this winter.

There is a very effective way to save money and improve the efficiency of your boiler without excessive cost. Attach a magnet to the fuel feed pipe of your central heating burner and you immediately improve combustion. A good magnet cost 65 plus postage but the benefits are enormous and long lasting.

The magnet conditions the gas or oil allowing it to mix better with air. The combustion is, therefore, improved. With better combustion, more energy is produced for the same fuel. If you are contemplating changing your boiler because it is inefficient or old, attach a magnet first and notice the excellent savings you will make. The more inefficient your boiler the more you save because the magnet will improve combustion to as near to 100% as you can get.

With improved combustion, the burner will need less servicing. In time the magnet will gradually clean the burner of deposited soot. Your service engineer may ask you if you used the burner since last serviced because it will be so clean. Your burner will last longer.

You save money on your domestic fuel bills, your maintenance and prolong the life of your boiler.

With Climate change a major issue, the magnet by providing a cleaner burn, will reduce harmful emission from your burner. This will be an important problem in time as governments tighten emission from domestic central heating systems. A magnet will help you comply with future changes in emission laws.

Even though you are still using fossil fuel, by attaching a magnet you are making efficient use of it.

In the past magnets were large and heavy but with new alloys, magnets are small, light and more powerful. A neodymium magnet of say 8000 gauss weigh 20 gms while the comparable Alnico magnet weighs 90 Kg. A neodymium magnet retains its magnetic properties for 100 years.

Magnets are easy to fit. Just identify the fuel pipe leading to the burner then attach to this pipe by straps and simply forget about it. The next thing you will do is turn the setting of your central heating system down because your home and your water will be hotter at that setting.

Magnets do not need maintenance. It will continue to be effective and when you move house, just remove it and attach it to the boiler in your new home.

With rising fuel cost, it makes sense to attach a magnet to your boiler this winter. You will recover your cost in no time.

If your grandparents or parents are likely to be affected this winter by the rising fuel cost, why dont you fit a magnet for them as a winter warmer present? Isnt it nice to know that they will turn the setting of their heating system down not to save money but because it is too hot?

Copyright 2006 Dr Phil Hariram

Dr.Phil Hariram is an Independent Ecoflow Distributor. He has cut his monthly direct debit heating bill for Calorgas(LPG) by 110% by attaching a Thermoflow magnet manufactured by Ecoflow, a innovative company that patented Central Reverse Polarity in magnets.

Natural and holistic therapies are not new but even their use in humans has only recently gained popularity in the UK. More and more people are shunning traditional medicine not only for themselves but for their pets. According to Direct Line Insurance over 750 000 of the UK's dog owners use alternative or complimentary treatments - with 30% doing so on recommendation from their vet.

So, why have some of the oldest and most natural treatments only recently seen a revival and do they actually work?

Part of the answer is they never went away. Holistic treatments such as acupuncture and herbs are still the mainstream in many eastern countries such as China, inclusive of their pet population. It seems to be a predominantly Western attitude to have adopted traditional medicines as we know them. Some orthodox medics frowned on them as 'quack' methods, a seemingly odd approach as many of the pharmaceutical drugs available today are derived from plants - the basis for herbalism. However, they have stood the test of time and been documented throughout history, one of the oldest books of acupuncture in animals, is 'bo le zhen jing' (Boles Canon of Veterinary Acupuncture) an equine acupuncture book believed to have been written between 659B.C and 621B.C.), so is it likely they would still be mainstream in other cultures if they didn't work?

The main objection to natural therapies by most opposing doctors and vets, are that they are untested, unproven and unregulated. That may have been true once but now as more veterinarians are aware of the impact of modern life on pets and the need to treat the 'whole' not just the symptom, alternative therapies are being more widely used by those best able to judge their worth.

The limitations of orthodox medicine particularly with long standing conditions has caused some vets to look for alternatives and as a result it seems many are being more readily adopted as essential first point of calls rather than as solely 'complimentary'. - "Within months of qualifying in 1992, while still in Beeford, I was beginning to question the wisdom of conventional medicine. I could not help thinking, "Is that all there is to treat animals?" says Nick Thompson, a qualified vet from Bath, who uses herbs, acupuncture and homeopathy in both small and large animals.

Acupuncture - is already recognised by the American Veterinary Medical Association as suitable for the 'treatment of numerous conditions in animals' It also says 'Veterinary Acupuncture and acutherapy are now considered an integral part of veterinary medicine' (1)

It's very effective in managing pain and research in 1989 reported that out of 191 dogs with disc disease in their spines that out of those treated with acupuncture

* 85 dogs with only back pain - 94% recovered
* 37 dogs with back pain, lack of 'hind leg co-ordination and use' - 89% recovered
* 59 dogs with paralysis, unable to stand or walk or bear weight, but pain response present - 79% recovered
* 10 dogs with paralysis, unable to stand or walk or bear weight, and pain sensitivity absent - 20% recovered (2)

Homeopathy - is based on the concept 'like cures like'. Hippocrates is credited to be the first to use it in 400B.C.when he noted that herbs given in a low dose tended to cure symptoms that they created when given in a large dose. (Not unsimilar to modern day vaccination principles). There is very little research so far, but of the trials completed there is positive evidence for its use in kennel cough in dogs, Cushing's Disease in dogs and horses and in conditions found in other animals. A more dramatic use featured in the case of a Collie with ivermectin (a wormer) poisoning - his prognosis was poor - but the 'like cures like' principle was used and the vet gave a homeopathic dilution of the poison. The dog's condition improved rapidly and the dog recovered within a week. (3)

Herbs - have probably seen the greatest acceptance into conventional care. Their potency has been acknowledged by the National Office of Animal Health issuing license under its Controls of Animal Medicines to the Dorwest Herbs range. Before an animal medicine can be sold in the UK it must be approved by the Veterinary Medicines Directorate who must be satisfied that 'the product is safe, it works, and that it is of good quality'. The range of conditions treated is varied and includes epilepsy - given in conjunction with orthodox drugs, veterinary surgeons have found that it is possible to reduce the quantity of epileptic drugs required and thereby the side-effects often experienced.

In light of some of the startling results being seen in the veterinary profession, the objections that just because alternative medicines were seen as 'natural' did not mean they were safe, seems to have some ground.. Some herbs such as garlic, valerian and ginseng can cause problems such as bleeding and low blood sugars when a patient is given a general anaesthetic (4). With the potential to have undesirable effects, their adoption into mainstream veterinary care can only be seen as a positive move, even by their opponents. As research slowly catches up, whether it is undertaken by those who wish to disprove it as bunkum or those who want confirmation of its abilities the outcome can only be of help to our pets.

Ref:
(1) Sarah Probst, University of Illinois, College of Veterinary Medicine
(2) Janssens and Prins, Journal of the American Animal Hospital Association (1989) 25, 169-174).
(3) R J Optimeer. How The Similia Principle of Homeopathy Resolved An Emergency. Case History of Ivermectin Poisoning in a Collie. (1997) 122, 36-9)
(4) The Journal of the American Medical Association 2001;286:208-216.

Research:

Day CEI. Isopathic prevention of kennel cough is vaccination justified? J Int Assoc Vet Hom 1987; 2: 45-51.
Elliott M. Cushing's Disease: a new approach to therapy in equine and canine patients. Br Homeopath J 2001; 90: 33-6.
Tijdsrift Voor Diergeneeskunde 1997

Direct Line Insurance Press Release - research carried out 11-15 May 2006

http://www.noah.co.uk - National Office of Animal Health
http://www.holisticvet.co.uk - Nick Thompson BSc.(Hons), BVM&S, VetMFHom, MRCVS. Research papers and further information on the HolisticVet practice can be found at his website.

Sarah Fields writes articles on natural remedies for pets and other pet related subjects http://www.woofnwhiskers.co.uk/healthcare-natural-remedies-for-pets-c-57_87.html