The Cost of Payday Loans

You need a cash advance immediately, but are too shy to ask relatives or friends, and are scared of the paperwork involved in a bank loan. Shed all your worries, for help is a mouse click away in the form of payday loans. Payday loans are one of the most convenient ways of getting a cash advance today with practically no paperwork or other hassles.

Defining Payday loans

Payday loans are a short-term cash advance, when it is needed the most…usually between paydays! Payday loans are a great way to get some cash to tide you over to your next paycheck. The goal of payday loans is to assist you with finances to meet that unforseen requirement. The money is given as a cash advance and is directly deposited into your personal checking account, after which the cash advance funds, plus a fee, are taken out of your account at the end of the loan which usually is your next payday.

However, a payday loan is no substitute for long-term financial planning. This cash advance should only be taken to meet urgent financial needs until your next payday. It is only in emergencies that payday loans come in handy. Payday loans also bail you out of situations of bounced checks and late payment penalties by making the appropriate cash advance available.

Understanding The Cost Of Payday Loans

Forewarned is forearmed! So it is with payday loans. If you know what this kind of cash advance will cost you, you will be in a better position to weigh the pros and cons of opting for it. This way you will also know exactly what amount you need to pay back to the payday loan companies.

Your first step should be to find out the best rate of payday loan on offer. Whichever payday loan company you may choose you must know what will be the fixed amount that you will owe upon completing your payday loan.

Usually most payday loan companies charge around $20 to $30 per $100 of cash advance. To ensure that there are no ambiguities, insist that your final payday loan amount is spelled out in dollars and cents. This will help you know what you need to pay, when your payday loan is due.

To judge the best deal, go for the payday loans company that is offering a lower APR. Usually, most payday loan companies provide a cost-breakdown per 100-dollar increments that coincide with the rate.

Furthermore, most payday loan fees are based on the duration of the cash advance. The standard APR for most companies falls into the 400 percent range. As an example, suppose you were to borrow $100 at a fee of $20 for a 2 week period and if you did not pay if for a year, your service charge would be $520 for a 520% APR. To which you need to remember to add the original $100 that you borrowed.

There may be a situation where you are unable to repay the full amount of the cash advance to the payday loans company. In such a situation, the payday loans company generally charges the payday loans finance fee and defers the principal payment over a longer period of time, usually another 14 days.

The Other Hidden Costs

There are several hidden costs in a payday loan! Remember, if you are unable to pay this cash advance and you happen to lose your job, the clock does not stop. If you default on the cash advance, which includes the principal plus interest, the payday loan company will reclaim the entire amount plus all the interest accrued on this loan. A payday loan company may exercise a number of options to collect this cash advance:

·Sue you for the funds.

·Use a collection agency.

·Enter your details into a bad credit database which may limit your capacity to cash/write a check for commercial purposes.

·File a legal complaint for bounced-check charges that may leave derogatory information on your credit file.

By now, it should be clear that it is not prudent to go for payday loans without being aware of the repayment structure. To play it safe, make sure that the cash advance is repaid on time to the payday loans company. Read the fine print before you sign the agreement and understand the worst-case scenarios before deciding to take a payday loan. Once you understand the costs involved in obtaining a cash advance, you are a step nearer to fully enjoying the benefits of payday loans!

Why 14K Gold Rings Are Always a Good Choice

A 14K gold ring is a classic piece of jewelry which has portrayed a sense of elegance for many centuries and continues to do so today. Many couples are now considering wedding rings made of white gold rather than the more traditional 14K yellow gold sets, in order to obtain the same level of quality found in yellow gold, but choosing the bright, clean luster that the white gold rings can offer. A 14K gold ring of high quality will keep its luster and will never discolor or rust and it will only need some routine cleaning.

The K referred to in 14K stands for carat, which is how the purity in gold is measured, with 24K representing the purest form used in jewelry. Pure gold is extremely soft and malleable; the higher the carat counts the softer the gold and the easier it will be damaged with daily wear. Lower carat counts are more durable, but they have a tendency to fade with time. In order to produce stronger metals, other minerals will be added which is what is indicated by the carats value; the higher the level of additional minerals, the lower the resulting carat will be. Yellow gold is typically mixed with palladium, silver or copper and it is the copper which adds the beautiful dark yellow luster that many people desire. The white gold is not actually white colored gold, but a mixture of gold with zinc or nickel to add extra strength as well as its bright luster. The 14K gold is stronger than gold that is pure, yet it retains enough malleability to allow beautiful designs to be created.

A very nice custom with many couples is to choose engagement rings made of white gold which match in order to signify their commitment to each other. There are many beautiful engagement rings that are widely available in various masculine styles which are ideal for this purpose. It is important to not overlook all the beautiful gemstones available for use as an anniversary ring, such as the gemstone Tourmaline which is very popular to mark a couples 8th wedding, a gorgeous opal is always a much appreciated gemstone to use on the 14th anniversary and the rare gemstone Tanzanite is appropriate for a 24th wedding anniversary. However, 14K rings made of white gold are not just for weddings, they are available for numerous purposes and occasions. Almost any type of gemstone, including the cubic zirconia, which is a simulated stone, as well as moissanite, onyx and jade, all will be exquisitely presented when set in 14K gold. Any mother will certainly cherish a beautiful Mother’s Ring that includes the appropriate gemstones representing the birth months for each of her children and these rings are available in a multitude of different designs and styles which she can wear for a lifetime.

A 14K gold ring can easily be adapted to a specialty design which will hold a special significance in the heart of the wearer. There is even a beautiful Claddagh ring that indicates love and devotion. There are numerous possibilities for finding a ring that is perfect for any occasion and the choices are unlimited for quality 14K rings.

Travel Insurance Options for Traveling Abroad

Travel insurance is just one of things that are necessary when traveling abroad. Travel insurance can be a very practical solution to providing protection for unexpected emergencies while traveling. This type of insurance protects your investment and allows individuals to travel with peace of mind. There are several options available for going abroad depending on the length and type of trip. Travelers can easily compare plans from leading providers, receive quotes and purchase a plan instantly. Travel insurance can insure against unexpected illness, injury, employment loss, luggage loss and more.

It can provide coverage for Trip Cancellation and Trip Interruption. This insurance provides coverage due to unforeseen illnesses or death. Pre-departure trip cancellation insurance provides protection in the event of the traveler having to cancel flight or hotel reservations due to an immediate member of the family’s death or illness or other covered events. Trip interruption insurance provides benefits if the traveler is unable to continue the covered trip after departure due to covered events. As an option, there are companies that also provide policies that cover cancellation for any reason.

Another option available for travelers insurance is for medical emergencies. This type is beneficial particularly when visiting abroad. Insurance for medical emergencies will provide coverage for doctor visits, medication and even evacuation for medical emergencies. This is particularly important for individuals with chronic conditions or those traveling to underdeveloped countries. Travelers may also have the option of insurance that will provide coverage for tickets that are not refundable and the trip has to be cancelled. Some insurance will even cover missed flights, which can be, a life saver due to delays and overcrowding.

Baggage protection is another type of insurance available. This type of insurance covers direct loss, theft, and damage of your luggage during the covered trip. Travel Accident Protection is another insurance choice that is available. This type of insurance provides coverage for accidental death and dismemberment. This type of insurance provides protection if the traveler is injured in an accident and suffer a loss while covered under this type of plan. A comprehensive travel insurance plan is a great option and a very popular choice for vacationing abroad. This option can provide a wide range of insurance coverage and may even allow travelers to choose what options to incorporate which is why it such a popular choice.

There are several types of companies that offer insurance for travelers. Most travelers prefer to purchase this insurance directly from travel insurance agencies or companies. It is also offered by most companies that offer tours as they generally offer insurance to their clients. Major cruise lines as well offer the option to purchase travel insurance. Cruise line operators usually offer a host of plans to travelers when they schedule a cruise. Travelers can purchase insurance from a travel agent which is very convenient to purchase travel and insurance in one place.

Once you think about the high price of travel and the low price of insurance, this type of insurance is a very reasonable investment. There are plenty of things to worry about when traveling but by protecting your vacation plans with affordable traveling insurance, unforeseen events do not have to be one of them. Since it is not possible to foresee what may happen during travel, a insurance plan is a great value. Travel insurance can slash your losses in numerous situations.

The Secret to Getting Your Aging Parents to Accept Eldercare Services – Start With Their Pets

Your parents need more help than they’re willing to admit. They bristle at the thought of elder care services and independent living programs, and they have fired all the in-home helpers and housekeepers you’ve hired for them. How might you prevail upon them to accept some assistance? Ask them about their pets.

They surely want the best for their animals and might be willing to let somebody take their dog for an occasional romp or change the litter box a couple of times a week.

Pet owners often make decisions about their own health and circumstances based on the impact the decisions would have on their pets. “I can’t go into the hospital over night for the test the doctor ordered-who would feed and walk Fluffy?” Your parents might welcome assistance that would make it easier to keep the animal at home and in good health and spirits. And, accepting help for the pet is easier than admitting you need help yourself. Still, help is help, and accepting help for the pet is a face-saving way to ease in to help for oneself.

There are various dog walking and pet sitting services, and some are fully bonded and insured. Local animal shelters and veterinary practices have referral lists. Neighbors with pets probably have recommendations too. A responsible teenage neighbor looking for pocket money might also be a good resource.

When was the last time your parents’ pet went to the vet for an exam and shots? Getting an animal into a carrier is hard enough for many pet owners in the prime of their-and their pet’s-life. It may well be impossible for your parents to catch the cat, put it in the carrier and carry the carrier to the car they shouldn’t be driving anyway.

The way to make assistance tolerable is to get clear and detailed information about what your parents want help with and how they want to be helped. Starting with a topic they’re willing to consider, help with a trip to the vet, you can follow this good experience with others like help with shopping and eventually with in-home help.

Do your parents want help with:

• Walking the pet
• Feeding and watering the pet
• Cleaning up after the pet, inside or out
• Getting the pet ready to go to the vet
• Taking the pet to the vet
• Staying with the pet if your parent is out of town or in the hospital?

No matter how experienced the provider of eldercare services is, he/she cannot anticipate each client’s preferences and may not ask in sufficient detail to get adequate information. Use these questions to help your parents get clear on exactly what they want help with and how they want to be helped, and to train the helper so he/she can provide elder care services they will accept.

Latest Games – Infusing Entertainment in the Lives of People

Latest games have become the hot entertainment option for people. Games of various categories, belonging to various range flood the internet. Some of it are available free of cost while for others one has to pay for. It has also become a trend to load fascinating games with every appliance be it a mobile phone, a laptop or gaming consoles.

The latest games are a part and parcel of our lives. People cannot think of a gadget without games loaded in it. It has become such a passion that people log on to different sites in the internet just to download fascinating games. Everyday new games are developed and uploaded on internet sites. So, now one has to just avail internet and download the game of his or her choice. It adds entertainment in people’s lives with no options left for boredom. The users can play them on their personal computer or mobile phones as the case may be.

Gaming thus has become a fantastic experience for people all around the world. Now people can enjoy themselves from home or even while traveling to distant places. The only thing that is required is that the gadget used should have long hours of battery support. If that is there, then entertainment is assured by the latest video games. Games such as road rash, racing, puzzles and others entice gamer with their various fascinating targets and levels.

These games can be downloaded after browsing the various sites on the internet. Online payments are also possible for games that requires to be purchased. The downloading process is also very fast and it requires only a few moments for people to download games. Most of the games are compact and so do not occupy much memory space of the gadget where they are installed. The entire process of gaming is very fascinating for every user.

Free demo version of upcoming games are also available for people to test it before buying. There are also games that one can play directly on the internet. People can win exciting prizes on playing these games. It makes gaming all the more fascinating.

Tips of Avoiding a Devious Tax Preparer

There are many taxpayers who have found themselves on the wrong side of the IRS because they used the services of unscrupulous tax preparers. There are also others who have had their refunds embezzled by preparers. It is therefore, important that you research a tax preparer before signing up for his or her services. Below are some tips that will help you spot a crooked preparer:

  • Rate Depends on Amount of Refund – Avoid preparers who base their consultation fees based on the amount of a tax refund that they are able to get you. This is because such preparers use dubious ways of increasing your refund, such as inflate figures or including non-existing dependents. Such deceptive ways of increasing your tax refund can easily lead to both civil and criminal charges and therefore, it is important that you avoid such people.
  • Preparers Who Promise Large Refund – Another red flag for dubious preparers is ones who promise to get you a very large refund check as a way of enticing you to hire his or her services. Once again, such preparers may use illegal ways of raising your refund amount and this may easily get you into trouble with the tax authorities.
  • PTIN Qualifications – When searching for a preparer to hire his or her services, it is important that you ensure that the preparer has a Preparer Tax Identity Number (PTIN). As from a policy started in 2012, the IRS is requiring all preparers to apply for the PTIN after meeting certain meticulous qualifications. Once the IRS authenticates the credibility of the preparer, they issue the preparer with the PTIN. Therefore, confirming that your preparer has a PTIN is an important precaution to avoiding shady tax preparers. Besides having the PTIN, the preparer also ought to sign the tax return form before submitting.
  • Deposit Refunds to Preparer Account – Tax preparers who request you to indicate their address for the tax refunds or deposit tax refunds into their bank account are another red flag sign. A tax preparer should always indicate the taxpayers account for the tax refund.
  • Signing Blank Form – Tax preparers that prepare tax returns and submit without you going through the returns is yet another red flag. Some tax preparers will request you to sign a blank tax return form. They will then tell you that they will prepare and submit the return on your behalf and you do not need to confirm the details. Such an arrangement can lead to the preparer giving false information for selfish gain. Even when a taxpayer uses the services of a preparer, he or she is still held responsible for all the information provided on the return. Therefore, ensure that you verify the information indicated on the return before signing the tax return form.
  • Don't Have Time to Travel to Your Favourite Destination This Year? Think Again

    Believe it or not, our life revolves around travel everyday! When we think of the word “travel,” we would normally think about exotic vacations, airplanes, road trips, our dream travel destinations, all inclusive hotels on a tropical island, you name it! Traveling is simply moving from point A to point B. This includes but not limited to traveling to work, traveling to school or even traveling to a destinations a few blocks away from our home.

    Humans and animals travel for various reasons. During the winter time, some birds such as the Canadian geese, travel south to far as Mexico to escape the cold (humans do that too!), we as humans travel to work in order to make ends meet and the list can go on forever. Not to mention, we travel to other places on this planet to temporarily escape our chaotic environments, then we come back to it rejuvenated. Sometimes we even travel permanently to other destinations for various reasons such as seeking a “better life,” reuniting with family and taking up a new job offer.

    Just about everyone has their own dream travel destination. Many people in developing countries dream about traveling to the USA to taste the American dream; many people from developed cold countries dream about traveling to tropical countries such as Jamaica to taste at least two weeks of sunshine and many others from various regions around the globe dream about exploring other countries that are known to have extraordinary scenery.

    Now unfortunately, many of us don’t get a chance to fulfill our travel dreams in our life time for various reasons such as lack of finances, can’t get the time off from work or just simply having to fulfill other commitments. These common excuses mentioned here are all understandable; however, the truth is you can still fulfill your travel dreams if you work hard at it. The question I have for you is, “How important are these travel dreams to you?” If your dream travel destination doesn’t have any form of priority in your life, don’t expect to be going anywhere soon! Yes, I would certainly encourage you to be realistic with your finances and resources at the same time. If you really want to go on that trip that dreamed about all your life, make it happen!

    Start planning ahead with your family about the family travel plans. If you plan at least 1-2 years in advance, you can make it happen (depending on where you’re traveling). For example, if you’re planning an all inclusive trip to the Caribbean for a family of four, and save at least $200 US or more a month, you’ll be amaze to see how much you’ll end up by the end of the year!

    You may say “I can’t afford this” but think about all the unnecessary things that you’re purchasing and add up how much you can be saving and who knows, you and your family can be able to fulfill that travel dream in less than a year! By saving up from now, you can pay for that vacation with cash without going in to debt if you start saving now. Yes, it’s going to take some sacrifice but at the end of the day, it’s all worth it. It’s good to also plan ahead with your boss when you want to take time off from work. If you own your own business, plan ahead of time to set aside some days off from work.

    Did you know that there are some benefits about traveling? Education may be the first benefit. Yes, traveling can also be a learning experience. A person from a developed country who travels to a developing country may learn how to complain less and appreciate life more in his own developed country. A person from a developing country who travels to a developed country will learn that he can have a “better life” in another environment though this may not be true all the time.

    Traveling to other nations may give you the opportunity to discover developmental and business opportunities. If you’re an entrepreneur or investor who is on a vacation in another country, you may learn about some investment opportunities that may come with great rewards.

    Traveling may be good times to get know your friends and family much better. Not to mention again, it’s one of the best opportunities to relax and escape the stressful world for a while. I enjoy traveling myself and I also enjoy encourage people to travel other places, and even locally. My traveling experience has taught me that there is much more to life than I thought before. In other words, my view about life has changed for the better.

    Happy New Year to you! I hope that you, your family or friends, would be able to fulfill the travel dreams that you have in mind during this year. Remember, your traveling journey starts now by implementing the plans. All the best!

    Some Useful California Travel Information

    It is critical to highlight California travel information, given that the state has a reputation for being a hot vacation spot. There is so much to explore in the huge state of CA, including the state’s breathtaking beaches; the Golden Gate bridge; wine tasting regions; Monterey Bay in San Francisco; the San Luis area; and child friendly parks such as Disneyland and Legoland.

    Tourists remain enthusiastic about the breathtaking beaches in CA. Gorgeous beaches can be located all across the state, though Southern CA has a climate that is more suitable than the northern part of the state where going to the beach is concerned. Some of the beaches in CA include Huntington Beach, also known as Surf City, and the gorgeous beaches in Anaheim that surround the theme parks in the city.

    Another well known tourist magnet in CA is the Golden Gate bridge, which is located in the famous city of San Francisco. This bridge has set the backdrop in many films, and it can be seen via an antique fire truck; helicopter; or movie tour. Kids typically enjoy the antique fire truck tour. Viewings of landmarks in San Francisco are usually included in tours of the bridge.

    California is also renowned for wine tasting, especially in San Francisco’s Napa Valley region. While Napa Valley conjures thoughts of grown-ups sipping divergent wines, a region located in the area called Calistoga actually has quite a few activities that are suitable for families to enjoy together. They include Harry Potter activities, a safari, and a train ride.

    Another place to see in CA is Southern San Francisco’s Monterey Bay. It is a lively tourist spot that is home to Cannery Row, which is also the label of a Steinbeck novel. The Monterey Bay Aquarium and a profusion of sea otters sea lions, and whales are just a few of things to see by the bay. Big Sur Coast is not far away from the bay. It is by one of the most gorgeous and scenic dives in the world. Area beaches are breathtaking, but the water in them is cold.

    San Luis is an inexpensive place between Los Angeles and San Francisco that is great to visit in California. There is a great Children’s Museum and Natural History Museum there. Also, a profusion of cheap hotels are located in the vicinity, on top of beaches. An farmer’s market that is free offers many activities including live musical entertainment is a great place for families to enjoy within San Luis.

    Disneyland and Legoland are two of the best known theme parks in the world. People with children are well aware of them, and they both contain lots of kid friendly activities. The drawback where these parks are concerned is the expense associated with going to them.

    The top places to dine, lodge, and go for entertainment can all be found via the Internet. Many online travel sites exclusively cater to these topics, and they can be found through the major search engines.

    In conclusion, there are quite a few things to do in CA, and many places to eat, sleep, and enjoy entertainment in exist around the state. They include the state’s breathtaking beaches; the Golden Gate bridge; wine tasting regions; Monterey Bay in San Francisco; the San Luis area; and child friendly parks such as Disneyland and Legoland. The Internet has a lot of good CA travel information available.

    Five Vacation Planning Travel Tips to Save You Time & Money on Your Vacation

    Vacation planning is fun and easy so you don’t need to get overwhelmed. The first thing I want you to do is to take a deep breath and don’t panic. If you’ve never done this before, relax. I am here to help you with some simple steps to plan a great vacation.

    1. Determine Your Budget.

    There are many ways to go about determining your budget, but I usually set a price of how much I want to spend (per person) and then go from there to determine how to find the best travel deals based on where I want to go on a cheap vacation. You need to be reasonable regarding what the budget will be for your vacation or getaway. A very realistic and reasonable budget for a cheap vacation is between $800-$1200 per person including airfare, hotel, car rental, food, tips, and airport parking. I’ve traveled all over the country on business and the average budget for a two-to-three day business trip is about the same amount so it’s a very reasonable for a cheap vacation for an entire week (especially when it involves air travel and a much longer stay).

    2. Choose Your Destination.

    Here’s a little insider travel secret. I’ve traveled to some amazing vacation destinations at amazing prices, but I don’t usually choose my destination. The destination chooses me. It can get a little frustrating but I can tell you that if destinations did not chose me, I would never have went to Jamaica and seen a live starfish swimming underwater when I was snorkeling off of a beach in Negril, climbed the Great Wall of China, traveled through the Panama Canal or met a baby sloth at a sloth sanctuary in Costa Rica just for starters. I went to those vacation destinations not because I had a deep desire to travel to Montego Bay, Beijing, Panama City, or Puerto Limon, but because I was chasing a travel deal. Now, vacation planning via chasing a deal is a great way to get cheap vacations and save a lot of money. I have been on some incredible trips and gone to vacation destinations I never would have had at the top of my travel destinations “bucket list,” but I realize chasing the travel deal has prevented me so far from going to Tahiti’s island paradise of Bora, Bora (my life long travel dream) and I still want to do the “Sound of Music” tour in Salzburg, Austria. So you usually have a choice: chase the best travel deal or choose your travel dream.

    3. Book Your Airfare, Hotel, and Car Rental.

    When you’re vacation planning, the best way to save hundreds of dollars on your vacation is to book everything together as a complete travel package. I don’t have any technological reason as to why this saves you money, but it does. Feel free to experiment with your own online travel booking engine of choice with this concept by making queries separately and then as a package, but it’s been done before and proven to save you money. I do know that Rovia Travel has the best online price 68% of the time as compared to Travelocity and Expedia according to a recent independent survey by Topaz International so you may want to check them out.

    4. Research Your Vacation Destination & Plan Your Travel Itinerary.

    Researching my vacation destination and planning great itineraries is one of the things that I sort of excel at in vacation planning because I love researching the hot tourist attractions of the vacation destination I’m visiting. I know some people just like to “wing it,” but that lack of vacation planning can really add hundreds of dollars to your trip. There are two great ways to do your research. First, there are so many online tools at the local tourism offices of the areas your visiting that have all the main information at your fingertips, plus many have coupons or travel deals you may not have been able to find in other ways. The second thing I like to do is pick up a great guide book for the destination I’m going to. Frommer’s Travel Guide Books and Rick Steves’ Travel Guide Books for Europe are very well researched and written and these authors update their books almost yearly so you know you have up-to-date information.

    5. Make Two Checklists.

    Now you need to make two checklists for your vacation planning. One is a list of things to do before you go on vacation. This includes finding a pet sitter, getting a neighbor to pick up the mail, calling your mobile phone service to arrange for a text/email package while you’re away if you’re traveling internationally, secure a passport or visa (if you need them), get medical vaccinations if necessary, call your credit card companies to let them know you’ll be traveling and what cities or countries to expect charges to come up on, and things like that. The second list for your vacation planning is a list of things to pack.

    Now that wasn’t so bad, was it? Now you see how simple vacation planning is even for an inexperienced traveler. These are the basics of vacation planning and now that you know how to plan your vacation, we have a lot of extra bonus travel tips my travel website (see below) to help you discover a world of ways to see the world. Bon Voyage and have a fabulous vacation.

    3 Big Reasons To Avoid Digestive Health Medicine

    Due to our unhealthy western diet and it’s highly processed foods that many of us eat too regularly, we now have more disease and digestive disorders than ever before in known human history. This downward health spiral has worked out well for the medical industry and pharmaceutical industry. They have a digestive health medicine that can treat every problem you have.

    The operative word here being “treat”, not cure. Our health industry is not interested in finding a cure for anything, that’s not what brings in the business.

    Let’s take constipation as an example

    Constipation is one of the most common digestive disorders we have. If you search for a medicine for it you will be prescribed or guided to several products like:

    • bowel cleaning solutions
    • bulk-forming laxatives
    • fecal softeners
    • stimulant laxatives
    • 5HT4-receptor agonists
    • peripheral opioid-receptor antagonists

    All these categories have many products that are all made with drugs. Most of these problems can not only be treated by most people by diet, but most likely cured for good. There are several problems with treating these symptoms with drugs;

    1. Drugs can never cure your problem, they can only provide temporary relief for the symptoms until they hit you again.

    2. All drugs come with the possibility of negative adverse side effects.

    3. Drugs will cause other symptoms unrelated to the symptom they were made to treat, causing you to seek out yet another prescription for another drug that will create another problem.

    This is happening everywhere. There are more people on medication now than ever before. Many people are and will be, many unnecessarily, on medication for the rest of their lives. Your doctor is more than happy to prescribe a medication as long as you need it, and once you start, you will always need it.

    Natural treatments door digestive health problems

    Let’s look at the above list again. Do you really want to take a drug as a bulk-forming laxative? Over-use of laxatives can lead to serious side effects;

    • they can cause kidney stones or failure
    • they can body dehydration and rob it from vitamins and minerals
    • they can damage bowel function
    • pro-longed use can eventually make them stop working altogether

    How about dietary fibers we can get from eating all-natural grains such as unrefined oats, barley and the best one of all; bran. Not only will these build up bulk in the intestinal tract, but will also leave your body with digestive enzymes, vitamins and minerals. Consume plenty dietary fiber and you won’t need stimulant laxatives or fecal softeners, or bowel cleaning solutions.