Tuesday, 29 March 2011

The Alarming Dangers of Using NSAID Painkillers Like Aspirin for Back Pain

You're back hurts. I've been there myself, so I know what you're going through. I used to suffer from sciatica and it made the simple act of walking a real struggle with all the pain in caused. My doctor even told me to take some painkillers to help. But did you know that painkillers like Aspirin and Ibuprofen can actually very dangerous for your health?

NSAID's (Non-Steroidal Anti-Inflammatory Drugs) such as aspirin or ibuprofen are actually the direct cause of one-third of all gastrointestinal bleeding related hospitalizations, as reported by the American Journal of Gastroenterology.

If that wasn't enough to scare you away from these things, keep reading...

NSAID's also can stop blood clotting, damage your kidney and liver if taken for long periods of time, and even kill you!

I know that when you're in pain the most important thing is for you to get rid of it, but please understand that getting rid of the pain with painkillers isn't going to solve the problem. Something is causing the pain, probably a muscle imbalance or a bulging disc putt pressure on one of your nerves, and blocking out that pain isn't going to fix the underlying cause.

Do not equate "no more pain" with "I'm all better."

Without addressing the real cause of the pain, you may further damage your body and make your condition even worse in the long run. If you need to use painkillers to make your life more manageable, however, that is fine, but once the pain is under control, keep working to eliminate the cause.

So, then what are the alternatives to NSAID painkillers?

Systemic enzymes are a great alternative. These painkillers will not only get rid of the inflammation, but they actually promote the body's natural ability to heal and repair itself. Since they are also all-natural, they also don't come with the same nasty side effects that your aspirin or ibuprofen may give you.

Systemic enzyme-based painkillers are much more effective and they do not put your overall health at risk.

Additionally systemic enzymes can also help to remove and reduce scar tissue. Scar tissue can create restriction and strain on our bodies. By helping to reduce this, systemic enzymes help to ease pain in the long-run as well.

They also help to keep the your blood from getting too thick. This is useful for taking the pressure off of the liver to clean and allowing it to function normally. Plus, they can also aid in improving immune system function and help prevent viral infections.

If you need to take a painkiller for your back pain or sciatica, I recommend choosing systemic enzymes over the dangers of NSAID's.

However, remember that it is important not to view the painkiller as the remedy to the problem. Sure, use the painkillers to make your life more manageable, but remember to look beyond the pain and address the underlying root cause of the pain to find real lasting relief.

Personal Loan Rates Continue to Rise

Dramatic cuts in the base rate have done little to lower the cost of loan rates, which have increased at an even higher rate than the rates of credit cards.

Even for borrowers looking to take out a personal loan who have an excellent credit rating, the average rate is 12.3 per cent, according to figures from Defaqto.

That marks a significant rise since September, when the base rate was 5 per cent and the average personal loan rate for those with an excellent credit rating was 10.8 per cent.

The best deal around for people with an excellent credit rating is from the Co-operative bank, with a rate of 7.8 per cent.

The same loan from the Co-Operative was the most affordable last year as well, however, back then the rate they offered for that product was 7.6 per cent.

David Black, analyst at independent data compiler Defaqto says that the recent trend among lenders has been to push up rates and that this is down to a number of factors.

'Lenders are under more funding pressures now and they are reluctant to lend to all but those with top credit scores,' he says.

'The imminent loss of payment protection insurance sales will also hit lenders' profits so they are looking to stretch their margins.'

Mr Black is referring to a recent clampdown by the authorities which stipulated that lenders can no longer sell PPI at the same time as selling a loan to the customer.

Under the new rules, lenders will now have to wait 14 days before contacting customers and enquiring as to whether they are interested in taking out PPI.

Some customers are not surprised at the new rules regarding PPI, with Sara from Cheshire saying:

"This should not come as a surprise to anyone. PPI cross subsidised loan rates so the campaign to get rid of the product rather than improve it has done more harm than good."

Alan O'Sullivan, credit reporter with This is Money, says: "This may all sound very negative, but there is no need to panic. Loan rates in general are not increasing as much as credit card rates and, unlike these variable rates, your loan rate will not rise as it is fixed for the length of your agreement."

He then went on to highlight the good deals that are still around to certain customers, saying: "Other great deals on, for example, a £5,000 loan over three years, include Sainsbury's Finance (8.8%), Tesco Personal Finance (8.9%), Alliance & Leicester (8.9%) and Lombard Direct (9.4%), to name a few."

All these rates fall well below the average for lending rates to borrowers with an excellent credit rating, which is 12.3 per cent.

However, he did point out that these loans are by no means available to everyone, saying: "You're going to need an excellent credit file to get them - no missed credit card payments over the past six months - but they are nonetheless there for the taking."

Some Tips For Loans As Borrowing Gets Harder

It is no surprise to any of us that interest rates have risen and are still rising and lenders are able to be choosy so borrowing on a whim is no longer possible.

The credit crunch has made borrowing prohibitive as the bank loan rates have soared on personal loans and mortgages. The popular lenders have made increases in the last couple of weeks including Nat West with a 2.5 per cent rise.

Michelle Slade from the financial comparison website Moneyfacts.co.uk says, "It is not only mortgage rates that continue to increase, so have personal loan rates and monthly repayments."

She says Tesco Personal Finance has gone up another 0.6 per cent, Lombard Direct has gone up 1 per cent, the AA is up 0.1 per cent and Barclaycard rates have increased by 0.5 per cent. Barclaycard have also put a stop on their one-time best-buy product which they used to offer through Masterloan.

At least half of the lenders who offer personal loans have altered their charges since the beginning of the year.

An increase of 11 per cent on smaller loans by Black Horse has seen an addition of 52 pounds and 68 pence in interest, per year, on a 1,000 pound, one-year loan.

To borrow 25,000 pounds from the Nat West over 5 years with a rate increase of 1.5 per cent on these bigger amounts, will see an extra 1,015 pounds and 20 pence on the total cost of the loan.

Some lenders have actually reduced rates. Brittania BS and Moneyback Bank lowered rates at the beginning of 2008 and a loan for 5,000 pounds with the Clydesdale Bank or Yorkshire Bank can cost up to 7 per cent less than before.

The experts are all echoing that in such glum economic circumstances and family budgets are really being squeezed borrowing should be thought about.

Steve Wilcox at Citizens Advice warns, "The fact that a lender has approved your loan does not mean you can afford the repayments, "and he goes on to say,

"Loans are not for paying off current borrowings or to buy everyday essentials such as food or energy. While there is a credit crunch on, lenders still need to make some money but borrowers must be extra-careful that they can afford repayments."

Do not forget, if you can justify borrowing, that the "typical rate" may not be the rate that you will be offered. By law a "typical rate" must be offered to a minimum of 66 per cent of approved borrowers, which leaves a remaining third that may well be charged a higher rate.

As we know, lenders are picky so you may not qualify for a loan if your credit history is nothing other than perfect; the slightest blip may cause your application to be turned down flat.

Also, buying Payment Protection Insurance from your lender is not a good move and can cost you thousands. If you want this cover go for independent cover from insurers like britishinsure.com or paymentcare.co.uk.

Another mistake is to assume that your own bank will offer you the best the deal - get quotes from other lenders.

You must not forget that every application you make for a loan will leave a footprint on your credit file which in turn might push up the rate that you are offered or you could result in being refused by lenders contacted subsequently.

Credit Cards Watch Out When Using Your Credit Card Abroad

Going on holiday or business to Spain, France or Italy this year? Then watch out for a new ploy to overcharge your credit or debt card.

Many restaurateurs and retailers in these countries now have the facility to get you to authorise your bill in euros but then they recharge your card in sterling. That sounds innocent but there's a sting in the tail. The retailers charge you an additional service fee of up to 4%! The system is called dynamic currency conversion (DCC).

DCC guidelines from Visa say that UK cardholders should be offered the option to either have their card charged in euros or to have the transaction changed into sterling before it goes through. It seems that in practice, few of us are being offered the alternative. Many retailers are charging us in sterling automatically - and with the extra 4% fee!

The language barrier might explain the lack of explanation but we are a little more cynical! Even where permission is sought, we doubt whether many restaurateurs or retailers will clearly spell out the additional service fee. After all it's an opportunity to make a bit more profit!

Our advice is that when abroad in euro-land always ensure that your transaction is processed in euros. That's because some UK card operators such as Nationwide, Saga and Lombard Direct will convert euros to sterling at no charge. Others, such as cards from our high street banks, will charge 2.75% as a foreign currency loading fee - but even that's less than the retailers' 4% DCC.

In fact even with a 2.75% foreign currency loading fee, it'll still be cheaper to use your credit card rather than converting sterling to euros before leaving the UK or converting it abroad at the bureau de change. That's because the exchange rates applied by Visa and Mastercard are often much better than you'd get for your cash and travellers cheques whilst abroad. And please don't be fooled by the commission free advertising outside the bureau de change. They might not charges commission but their currency rates are never cheap - after all, how else do they make a crust?

And another bit of helpful advice. Unless it's an emergency don't be tempted to use your plastic to withdraw euros. That's because as with all cash withdrawals, interest will be charged from the minute the euros leave the cash dispenser. Remember, there's never any interest free period on cash withdrawals.

And whilst on points to remember, please be especially vigilant about card security whilst abroad, especially if you're travelling in Eastern Europe. Card fraudsters love holidaymakers and business travellers. That's because they're able to enjoy a bit more time with the card before the card is blocked. Chip and pin technology has helped enormously but there are still risks to watch out for. A report we read last week serves to highlight the problem.

Mr & Mrs B were on a weeks' break in Prague when Mr B's wallet was stolen by a pickpocket. It was greatly inconvenient and not a little distressing, but they thought that their chip and pin cards would protect them. Imagine their horror when they returned to the UK, to find that within three days of losing the wallet all their debit and credit cards had been raided for thousands of pounds. How could that happen?

It's a fairly common fraud. A trained spotter had watched and recorded the pin number they used at a cash machine and a pickpocket had followed them from the machine to steal their wallet. Armed with the card and the pin number, the fraudsters were in for a field day. That's because this couple, like 1 in 3 cardholders, used the same pin number for all their cards. Naturally, knowing the 1 in 3 statistic, the fraudsters tried the pin number they knew on all the cards in the wallet. Hey presto, bonanza time!

And yes, it does also happen in the UK.

So, two lessons here. Be particularly careful when entering your pin numbers anywhere - not only abroad. Secondly, don't use the same pin number for all your cards. Work some way o remembering them. For example, use the first, second, third and fourth digits from each of the number clusters on that card or some combination like that. Or if you have a better memory than me, memorise a pin for each card!

Mega Green Tea - An All Around Health Supplement

The taste of tea is undoubtedly refreshing. No wonder why a lot of people get indulged with it. However, together with the enjoyment it gives, you get a bunch of benefits from it as well. Much more like a drug but not on the bitter side, mega green tea is indeed an ideal solution to common health problems of a lot of people.

Usually, green tea is more associated with weight loss. True indeed, it is proven effective in helping individuals to cut down figures in their weight. But the magic of this tea does not just end there. Here are some other benefits you can get out of the refreshing taste of this product:

Protects over cardiovascular disease. It can lower down the LDL cholesterol and serum triglyceride levels in the body. The antioxidants in it inhibit the oxidation of the cholesterol in the arteries. Aside from this, it holds back thromboxane A2 formation that reduces the risk of heart attack. This is very similar as to what aspirins regularly do for the body.
Lower down blood pressure. As people ages, hypertension becomes common to them. And one reason that causes hypertension is the enzyme which is secreted in the kidney often called angiotension-converting enzyme (ACE). Green tea is one source of ACE inhibition and studies have shown that it minimizes the risk of hypertension to most people.
Controls blood sugar levels. It lowers down the amount of blood sugar in an individual's body. It contains polyphenols that allows the normal elevation of glucose in the body. Therefore, green tea is also best for people who have diabetic history.
Kills bacteria and viruses. Also, taking green tea in every meal can prevent the risk of food poisoning due to some bacteria. This is because this kind of tea is an antibiotic that helps prevent diseases caused by different bacteria. More than this, it can kill a lot of viruses. In fact, it can help lessen the risk of getting viral hepatitis.

Though this is proven to be effective in terms of giving good health to those who use it, it is still a must to be cautious when taking one, especially its dosage. Those with good health conditions have nothing to worry about it but those with health disease need to be careful. For instance, mega green tea has a caffeine content of 280 milligrams. This is fine for healthy people. Otherwise, those with hepatitis and cancer need more dosage than 280 milligrams.

Know About The Right Omega 3 Dosage - Avoid Megadosing Omega 3

Yes, Omega 3 fatty acids are essential for our health and have innumerable health benefits too. But, this does not mean that you increase your consumption beyond permissible limits. Megadosing on supplementation will not accelerate the health benefits and can be harmful for you.

Before explaining what the right dosage is, let me give you a brief insight into these remarkable fatty acids. These acids are a group of polyunsaturated fats that are essential for the proper functioning of every cell in our body. These fats cannot be synthesized within our body and we need to obtain them through our diet.

The diet of the Western population lacks in these acids and this is the main reason behind most of the degenerative disorders such as heart problems, cancer, diabetes, depression, arthritis etc.

So what can you do to keep away from such diseases? The answer is simple; consume more omega 3 rich food such as fatty fishes, leafy vegetables, tofu, soybeans and walnuts. Certain vegetable oils such as flaxseed oil, canola oil and sunflower oil are also considered rich in essential fats.

The richest source of fatty acids is Fish Oil. This is because they contain both EPA (Eicosapentaenoic acid) and DHA (Docosahexaenoic acid) fats in the natural form and in good quantities.

Being extracted from the issues of cold-water fishes, fish oils are bound to contain toxins such as mercury, metals etc found in ocean waters.

Superior quality oils go through a specialized refining process called Molecular Distillation. This removes all the impurities and toxins from the oil making it safe and pure for regular consumption.

Molecularly distilled, pharmaceutical grade fish oils are the safest, purest and richest form of these fats

Regular consumption can provide respite from a large number of diseases. However, as we have mentioned earlier, the dosage should be within the recommended limits and Mega-dosing should be avoided.

By Mega-dosing we mean, consuming ten times more essential oils than the Recommended Dietary Allowance or RDA. By consuming to much of any one nutrient, it can be hazardous for health.

According to the National Institute of Health, 650mg - 900mg of fish oil supplements should be consumed daily to ensure good health. In general, a minimum of 2% of the total daily calorie intake should contain omega 3 fatty acids.

For vegetarians, 2.22 gram of Flaxseed oil or Canola oil should be taken regularly to fulfill the needs of the body. In addition, green leafy vegetables and other sources should also be included in the diet.

Research shows that 2 tablespoons of Flaxseed oil contains approx. 3 grams of ALA fatty acids while 4 ounces of fatty fishes (such as salmon, Hoki) contain 1.5 gram of EPA and DHA fats, the two most essential fats.

Fish oils extracted from the Hoki fish have 40% higher DHA content than other oils. Hoki is a cold-water species found in the oceans of New Zealand and has naturally high DHA and EPA content.

Next Mega Trend Revealed: The Century of the Brain

There is a wonderful mega trend evolving in front of your eyes that you can prepare for now. This trend is your passport for a better and more peaceful life. It's difficult to see mega trends and think clearly when you are an active participant in the midst of chaos. It's like the expression "can't see the forest for the trees."

The economic situation, high unemployment, unstable financial markets, low consumer confidence, rising costs of health care, failing public education, population explosion, feeding a hungry world and political distrust are actually fueling the arrival of the Century of The Brain. This mega trend is emerging rapidly because it's where the solutions to our problems and better future lie. The Century of The Brain is about:

Neuroscience and the power of your brain
Working smarter, not harder
Using our brains more than our brawn
Thinking and acting inclusively rather than selfishly
Integrating our "heads" with our "hearts"
Getting everyone willingly involved in creative thinking
Implementing innovative solutions to our vexing challenges
Communicating more effectively with one another
Experiencing greater harmony, cooperation and collaboration
Engaging in continuous learning and improvement
Growing our collective brain power for a better life and better planet

The collective thinking that created our global and local situations can not develop solutions to the problems it created. Much prior thought was tainted by greed, self interests, power and control. Many decisions were based on short-term gains driven by selfish and destructive narcissistic behavior. It's insanity to believe that new outcomes will emerge from repeating old thinking and behaviors from the brains that created our reality.

Isn't it time to come together to build a better life for our children, our grandchildren and ourselves? Perhaps enough of us can create a critical mass to make a difference. My personal challenge to you is to learn how your brain is wired, what makes you tick, your strengths and how to use your biggest and priceless asset...Your Personal Brain Power. This step will make an immediate difference in your personal life for better thinking and decisions, relationships and career success.

Teaching is the highest form of learning and everyone wins when you teach and role model important principles and practices for good purposes. My second challenge is to teach family members, friends and the people you work with what you are learning about neuroscience and brain power. You will become a valued pioneer in The Century of The Brain. Deanna and I truly believe this is something we can do together, now. Will you join us?
 
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