Archive for 2012

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About Unsecured Business Loans Exclusive

You should be able to find several indispensable facts about unsecured personal loan, commercial loans, Unsecured Loans, business loan rates, business financing in the following paragraphs. If there's at least one fact you didn't know before, imagine the difference it might make.

I trust that what you've read so far has been informative. The following section should go a long way toward clearing up any uncertainty that may remain.

The business loan is also exclusive since there is generally no link among business credit history and personal credit history. Thus, you cannot use the social security number while applying for an unsecured business loan. Applying for a business loan also necessitates filling up a form that checks several factors linked with the business you are in. The form as a rule takes into account the legal and business requirements that must to be confirmed for approving the loan.

Typically, the maximum limit of Unsecured Business Loans does not go beyond $50,000 for the set up. Though, depending upon your business credit history and performance parameters of your business, the limit of business loans can be widened. On the other hand, as the loans are for immediate usage, the interest rates valid in case of these loans are higher than in the case of usual or secured business loans.

Though, to safe a business loan, one requires to have an excellent business credit history. As the number of constraints to discover the perfect possible borrowers is limited, having a fine business credit history is very essential. Frequently, the loan officer confirms the business credit history of the borrower prior to approving the loans. It is also necessary to decide that the borrower will be able to pay off the loan, in time. Furthermore, as it is an unsecured loan, the lenders would be alert enough about who they extend credit to.

The unsecured Business Loans are the most excellent economic decision for unexpected business requirements. One can increase the development of the business by borrowing money from the lenders and afterward, when adequate funds are on hand, they can pay off the loan. Though, good use of the loan is a significant aspect as the returns on investment should be sufficient to care for the interest rates along with the principal.

Now you can understand why there's a growing interest in unsecured personal loan, commercial loans, Unsecured Loans, business loan rates, business financing. When people start looking for more information about unsecured personal loan, commercial loans, Unsecured Loans, business loan rates, business financing, you'll be in a position to meet their needs.

mango-cherry ice cream

Today I was messing around with desserts.  I confirmed once again that I am the worst baker in the world!  I was trying out a "chickpea blondie" recipe that someone posted on the Fuhrman forums.  It was okay but, well, I didn't follow the instructions exactly (this is why I'm the worst baker in the world), and it was dry and just not my favorite treat.  Then I tried my own variation which was 10 times worse.  This had cherries and pinto beans and walnuts and dates.  It was a purple gooey glob of so-so.   so a few hours later I saw those dates lying around and I can't resist a good date (which is why I don't buy them very often!).  So I thought, oh, why not some old fashioned ice cream.  Now this turned out good!  I didn't measure anything so I'm just guessing below:

juice of one orange
1 medjool date
1 cup frozen sweet cherries
1 cup frozen mango (vary ratio of mangos and cherries to your preferences)
a few walnut pieces (1/2 oz at most)

blend the date and walnuts and orange juice in a high-speed blender.  Add the cherries and mangos; blend until smooth, or not if you want it chunky.     Serves 2.

Nutrition and Depression

This video by Neil Nedley was very interesting.  He listed the typical nutritional deficiencies that can contribute to depression.  He also argued for a plant-based diet in the process.  I'm not going to list those arguments but I encourage you to watch the video if you are interested.  I'm just going to list some of the nutritional deficiencies that can cause depression for future reference for myself:

  • Tryptophan, an amino acid.  He also mentioned tyrosine another amino acid.  You can find this in sesame seeds, almonds, walnuts, tofu, black eyed peas, and more.  Meat has tryptophan too but you can carbs for it to absorb, so don't go on a high-meat, low-carb diet!
  • omega-3.  best source is seaweed or a supplement.  Fish are too contaminated with mercury.  Flaxseed and walnuts can be converted to omega-3 but not everyone's body does this conversion.
  • folate, thiamine, very abundant in my veggie-based diet
  • iron.  good sources are avocado, green peas, mangos.  Yea, I love all those things!
  • B12.  take a supplement!
He also recommends bright light therapy.  

High cholesterol contributes to depression.  The most harmful cholesterol is that exposed to air (it oxidizes).  The most harmful foods as a result are:  custards and ice creams, pancake mixes (!), parmesan cheese, and lard.  Why pancake mix?  It usually contains dried egg whites which are ground up, so as exposed to the air as you can get.  Parmesan cheese is ground up.  ice cream I guess is exposed in the stirring process?  same with lard creation?   Vegan ice creams, while not healthy, are not nearly as harmful as the animal product.  Interesting, huh?

Year-end Reflections

Here are ome things I learned in 2011

1)  I learned a fewthings about my job.  One is that I canget away with goofing off at work, but I don’t feel good about it when the dayis done.  The other is related and hashas to do with my attitude towards my low self-esteem.  SometimesI think I’m not good enough to be pursuing my profession and that I’m no longerrelevant and I should free up the space/funding for a younger person (yes, alldumb thoughts but fairly common in my competitive field). I decided that whatever I think of myself, I should still try to do thebest I can, because I feel a lot better about myself after a good day’s work,than after a day of goofing off at work.  So my plan for 2012 is to be the best astronomer I can be.  And if I’m irrelevant after that, then I willhappily pursue something else.

2)  I had my ownversion of a happiness project (the name of a popular book, which I am readingnow too).  I read several“positive psychology” and meditation books in the spring and summer.  I’ve posted about some of these here.  The meditation books were by Mingyur Rinpoche.  He is the first meditationauthor that got through my dense brain in a way I could understand.  I’d previously learned the concept ofmindfulness but I didn’t learn to meditate. Whenever I tried it, I got bored within a minute, and wanted to dosomething else, and quit.   Two things gotme going on finally starting a practice: First, I learned from MingyurRinpoche’s books that meditation is simply learning to being aware of yourthoughts.  You don’t have to empty yourmind or reach nirvana, you just have to watch the thoughts go by, and when youforget and then notice it, you say, oops, and the more you say oops, the moreyou are aware.  One advantage I noticedabout meditation is that you start to see fallacies in your thinking, forexample, negative thoughts about yourself.  The second thing that got me going in my practice was that a tergar practice community started up this Fall in my town with meetings once a weekright across the street from my office!  This tergar community is based on Mingyur Rinpoche’s teachings, the sameguy whose books I had just read!  I thinkI felt so lucky about this that I jumped in with both feet.  I worked on daily meditation and eventually found I can consistently do a 20 minutepractice right after I get up in the morning. I worked up to that, starting with 2-3 minute practices.   I’m very happy with my adventure intomeditation and I plan to continue this in 2012.  Even though I still feel like a novice, I cansee that it has helped me a LOT already. Our next class module is about meditating on loving kindness.  How awesome does that sound?

3)  I had the bestholiday season ever.  On the outside, itwas no different than any other.   But onthe inside I had a completely different attitude than before.  I cherished my time with friends and family.  I adored our tree full of ornaments fromfriends, family, vacations, full of memories. I considered our tree a piece of art. I enjoyed listening to Christmas music. Contrast that with my cynical attitudes from previous years:  I endured my family time; I viewed thedecorating and shopping as dumb chores forced on me by society to boost theeconomy;  I viewed the whole season as something to get through and thenget back to my life.  What a difference an attitude makes!

4)  I learnedsomething about emotional eating.  Ilearned what we all already know:  I feelworse when I eat the wrong things and overeat for emotional reasons, than whenI don’t.  Easy to say, hard to change.  But worth trying because each time yousucceed, it gets easier next time.  Ialso learned that for me, making certain foods forbidden is a bad idea.  Even Dr. Fuhrman says in his books thatnothing is forbidden.   I have a goal togo 12 weeks without eating sugar or refined grains because that is the time ittypically takes to break a food addiction according to Dr. Fuhrman.  But it’s just a goal.  I told myself I can have an occasional treat,as long as it’s with the Eat to Live parameters, that is, under 5-10% of totalcalories.  I figure the really unhealthystuff should be well under 5% of calories. I’ve been doing this long enough that a once-a-month treat is enough tosatisfy me.  The funny thing is, sinceit’s not forbidden, it loses a lot of its appeal, or maybe the downside becomesmore apparent:  e.g., the cookies Iusually crave are actually kind of dry and not all that tasty, etc.  I’m about 5 weeks into this 12-weekabstinence goal, and don’t have cravings, but even during this time, nothing isforbidden.  If I really want a cookie, Ican have one.  This was an importantinsight for me.  I’m hoping in 2012, thatnot just my eating, but my behaviors and attitudes toward eating will bemeasured and healthy.

I hope we all have a happy and healthy 2012!