There are some rules and terms that you need to know before you apply for a loan with American Express. Following are some of the terms and conditions that you should know:
General: American Express Personal Loans are loans given by American Express Bank, FSB. Loans are not card products so you will not be given any card benefits, reward programs or insurance like American Express Credit and Charge Cards. Any information that will be collected from will be governed by their Privacy Statement.
Eligibility: You can only claim for your loan if you have a valid offer for a pre-approved loan amount and APR to apply for a personal loan. You have to be an 18 year old or more. You need to be a U.S citizen or resident of this country or its territories and most importantly an American Express Basic Card Member on an active consumer card of the same bank. You should have an online account too. When you are applying for a loan, you have to make sure that all the information and documents you are producing are true and authentic.
You cannot use personal loans for post-secondary education expenses, real estate, business, securities, vehicle purchases or any purposes which is prohibited by the loan agreement.
They reserve the right to verify all the information you provide them, including your identity and information of any bank or card account. However, they will have full faith on the authenticity and completeness of your documents.
Pre-Approved Loan Amount and APR: Your APR and pre-approved loan amount will depend on your creditworthiness and other factors at the time of pre-approval.
Your pre-approved maximum APR will be the highest APR that you may receive for any amount of loan you have requested. Your actual APR may vary depending on the amount of your loan.
After getting your pre-approved offer, you must send an application to verify if you are eligible for a loan or not. Any changes will be considered.
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Top Home Alarm Security System Options to Buy
Read moreThe safety of your home is of great importance. It lets you sleep peacefully at night or travel with ease of mind knowing your belongings are safe. One of the best ways to ensure the safety of your home is by the use of a home alarm security system.
If you are planning to install a home alarm security system, here are some of the top options to consider.
- Frontpoint
Frontpoint is a leader when it comes to home security systems. To begin with, the installation is super simple, something that you can take care of on your own. Next, even the basic package offers alerts for smoke and carbon monoxide detection, which adds value to the basic package. Frontpoint is also known to work with Google Home and Alexa. Plus, they also have a mobile app to access their system.The best part is that Frontpoint does not require customers to take sign a contract. This means that you are not stuck with them in case you decide to move on. The company is known for its excellent customer support; plus, you can use the trial period for 30-days, post which you get your money back if you are not happy.
- ADT
ADT is a leading name when it comes to home alarm security system options. If you opt for ADT, you get the best in video surveillance along with control of lighting and thermostat settings through the system. You can also remotely turn the security system on or off. One of the biggest advantages of ADT is that it has more home monitoring offices than other security companies. It also has other really fabulous features like Theft Protection Guarantee, which means that you can reimburse up to USD 500 if you get robbed with your ADT system working.ADT does work with Alexa and Google Assistant. It also is known for its excellent customer support.
- Ring Alarm
If your budget is tight, then Ring Alarm is the perfect choice for you. This security system can work on a basic level and sense motion. If a door or window is pulled open, an alarm is sounded to alert the home occupants. The installation is pretty simple and you can upgrade your systems if you want help from the monitoring center.Ring Alarm is also known for its features such as cameras and security lights that come at an added cost.
- Frontpoint
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6 common foods that trigger eosinophilic esophagitis
Read moreEosinophilic esophagitis (EoE) is a chronic inflammatory condition that affects the esophagus. This condition can make it difficult to swallow and easier for food to get stuck in the food pipe. People with EoE develop allergic reactions to certain foods, causing their esophagi to swell up and become narrow. Doctors may recommend an elimination method to understand which foods trigger EoE in patients. The most common foods that trigger Eosinophilic Esophagitis are:
Eggs: Apart from whole eggs, also avoid any foods that contain eggs, such as eggnog, mayonnaise, meringue, surimi, and egg substitutes. Beware of egg content in baked goods and puddings. Ingredients to watch out for in packaged goods include albumin, lysozyme, ovalbumin, lecithin, globulin, and ovovitellin.
Wheat: Avoid foods rich in wheat, such as bread, couscous, crackers, most flours, pasta, and pizza crusts. Wheat ingredients to look out for are bulgar, durum, einkorn, emmer, farina, Kamut, matzoh, semolina, spelt, and triticale. Instead, opt for gluten-free foods made from potato, rice, or tapioca.
Soy: Soy-rich foods to avoid include edamame, miso, natto, shoyu, soy sauce, soybean, tamari, tempeh, tofu, and Quorn. Soy ingredients can be found on packaged goods under the name of soy, soy flour, soy fiber, soy protein, and textured vegetable protein.
Peanuts and tree nuts: Avoid all nuts and lychees. Watch out for ingredients like nut meal, nut meat, nut milk, nut extracts, nut paste, and peanut oil in packaged/pre-cooked foods.
Fish: Avoid all fish and shellfish like krill, barnacle, crab, crayfish, lobster, shrimp, and prawns. Ingredients to avoid include imitation fish, fish stock, fish sauce, seafood flavoring, surimi, and bouillabaisse.
Dairy: Milk and milk products to avoid include cheese, butter, cream, custard, cow’s milk, half-and-half, pudding, sour cream, and yogurt. It is also advisable to avoid ingredients like casein, diacetyl, lactalbumin, lactose, lactulose, recaldent, rennet casein, tagatose, and whey.
In line with their doctor’s consultations and guidance plans, many people with EoE experiment with the elimination method, where they stop eating these six items daily and slowly reintroduce them one at a time. A few weeks after introducing a food item back into the system, an endoscopy is performed to determine the underlying cause of inflammation and check for improvements. Common foods that are advisable to eat when dealing with EoE include meats (chicken, turkey, pork, and beef), rice (white, brown, or wild), potatoes, quinoa, buckwheat, millet, fruits, vegetables, and olive oil.