Tired of maxed-out credit cards and furious creditors threatening to sue? Is your job just enough to make two ends meet and the interest rates are constantly piling up on your head? Then debt relief programs are just the answer to all your woes. A debt relief program will help you manage your debt and give you the best financial situation to navigate through it. Here are the four top options for the same:
Debt consolidation loan
There are plenty of options available in the market for secured and unsecured debt consolidation loans. You may take a loan and pay off all your debts in one go! Thereby, you would not need to keep paying different lenders and creditors at different times and everything will be consolidated under one monthly payment with a fixed rate.
Balance transfers
This is mainly for credit card holders but may come in very handy as a debt relief program. If you are currently in possession of a high-interest credit card, then you may get one with a 0% balance transfer fee or at least procure one that has a lower rate of interest, thereby giving you enough time to clear off your pending settlements.
Debt management plans
Although you may choose to create a management plan on your own, it is highly advisable to approach a credit counseling agency. Their team of experts will guide you through the best options to get out of your debt. Under this plan, a counselor may help you reduce your debts.
Debt negotiation
This option is highly based on your luck and the choice of your lender. Under this program, you would need to pay a lump sum amount equating to less than the money you owe and clear off your dues instead of transferring money from one creditor to another.
The last type in our list of debt relief programs is filing for bankruptcy, which may be undertaken in extreme circumstances. While you may have your own apprehension about the reliability of debt relief programs, experts suggest that if you pick your option wisely, they may work for you. If you do not put in any research, then you will end up losing more money and maybe fall deeper into debt. In fact, options like balance transfer or debt consolidation end up doing more good for you and even help you improve your credit score. So, all you need to get out of your financial woes is a good debt relief program.
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5 healthy and easy dips for weight watchers
Read moreEasy dip recipes are the ones filled with nutritious and fresh ingredients. Dips are quite healthy and can effectively be used as toppings on rice cakes or sandwich spreads. While these might not immediately spring up to the minds of people looking for healthy snack options, it would not be wise to quickly dismiss them as healthy dishes. Once you have an idea of some beetroot, bean, and avocado recipes, you will never ever consume those store-bought dips.
Of course, the easy dip recipes that come as a combo of sour cream, cheese, and other ingredients are high in their calorie content and they might not be perfect for individuals with a healthy eating plan. Nevertheless, the right dippers and the perfect blend of ingredients can make a dip low-fat, energy-boosting and absolutely fantastic.
Some healthy and easy dip recipes for health-conscious individuals are as follows:
Edamame Dip
This is probably one of the healthiest snacks that weight watchers can easily indulge in. This specially prepared dip helps an individual in eating a lot of vegetables, something that people hate doing. This dip is made of edamame or green soybean mixture along with some cilantro, onion, rice vinegar, olive oil, salt, and water. Cannellini beans and chili garlic sauce are the other ingredients required for this recipe.Beetroot Dip
Rich in antioxidants and available in a beautiful color, beetroot dip is one of the healthiest appetizers for weight watchers. This is probably one of the best easy dip recipes made with a perfect combination of baby beets, natural yogurt, English mustard, and lemon juice. This dip works wonders for health-conscious individuals when served with raw cucumber or carrot slices.Tzatziki dip
Cool and creamy, Tzatziki dip is the ideal summer appetizer for health-conscious individuals. This dip is made using the fine combination of natural yogurt and raw cucumber along with some crushed garlic and lemon juice. It serves as the perfect condiment, rich in flavors. It is tangy, lemony, and salty. It can even be made using sour cream or Greek yogurt.Sweet potato dip
Tangy and sweet with the added nutrients derived from protein-rich lentils, this is one of the healthiest dips for weight watchers. The other ingredients used in this recipe include red onion, crushed garlic, peanut butter or tahini and lemon juice.Most of us are of the view that healthy and easy dip recipes mean that we will have to go through the trouble of giving up foods that we like to eat. However, this is just a misconception. These dip recipes are not only healthy but tasty too.
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Common ADHD symptoms in adults
Read moreAttention Deficit Hyperactivity or ADHD is a common condition easy to be spotted in kids. Despite being predominantly associated with children, this chronic condition accounts for at least 5% in the adult population of the country. Since most ADHD symptoms are relatively easier to diagnose in children than in adults, most adult ADHD cases go undetected. While at the core of the disease, most of the symptoms of the disease are essentially the same, they get manifested in different ways both in children and adults. Some of the common ADHD symptoms in adults have been listed below.
Issues being organized
People with ADHD symptoms generally demonstrate difficulty organizing and managing routine tasks. These may include activities like handling bills and managing kids or carrying out occupational obligations or managerial responsibilities. These problems get more prominent when children with ADHD symptoms grow up.Careless driving
ADHD is a condition that majorly causes attention related issues in patients. This especially becomes a chronic condition when adults are unable to accomplish complex tasks that need increased focus and concentration. This gets more pronounced while activities like driving. Patients with ADHD often fail to pay enough attention while driving that results in frequent episodes of accidents, over speeding, and reckless driving.Discord in relationships
Indifference, dishonoring commitments, and poor listening skills are only some of the most prominent ADHD symptoms that most adults exhibit. Such traits are mostly found in patients undiagnosed with ADHD who grow up to be misunderstood by their partners as insensitive companions. Therefore, adults with ADHD, often end up in tumultuous relationships, repeated strife, and marital disharmony.Impulsiveness
This is another significant ADHD symptom that causes patients to take rash and extremely impulsive decisions that result in numerous long and short-term implications. One of the best ways of diagnosing a potential ADHD patient is someone who shows imprudent and impulsive shopping habits. Other ways of determining ADHD symptoms in adults include observing their social, conversational, and problem-solving capabilities. It has also been noted that people with ADHD tend to interrupt ongoing conversations, are socially awkward, and have a tendency to rush through important tasks.Other possible symptoms
Adults with ADHD are known to exhibit other symptoms like distraction, restlessness, poor listening, inability to initiate a task, impulsiveness, anger issues, and difficulty in prioritizing the tasks in hand. Apart from these symptoms, people with ADHD are also known to have self-critical behavior and feel inadequate and frustrated. This emotion stems from the inability to concentrate at work or at home and can be managed through appropriate treatments.