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By William R. Quesnell Did you know that all physicians and medical researchers have been indoctrinated with a flawed model of thinking dating to the 17th century? These “experts” cling to a Cartesian model of thinking. Cartesian refers to the philosopher Descartes who declared, “I do not recognize any difference between the machines made by craftsmen and various bodies nature alone composes.” All scientists, whether they were physicists, botanists, or zoologists, soon adopted his concept that the subject of their study was a machine. Over time, however, every science but one opted out of that belief. The mechanistic, reductionist, biomedical model of health followed by our doctors and medical scientists still assumes our body functions like a machine. This antiquated theory says our body consists of a fixed number of parts working together like a clock. Disease results from their breakdown, and repair of the machine depends on a doctors intervention. Intervention comes in three forms: Repair by surgery, treatment with drugs, or the replacement of defective parts. Nowadays the smallest defective parts are presumed to be genes, human disease genes, found in our cells. Are you comfortable with the premise that a single human cell measuring 1/1000 of an inch across, containing instructions within its DNA that would fill 1,000 books of 600 pages each, is but part of a machine? A life systems model of thinking provides a much better under- standing of health and the prevention of disease. All life forms are comprised of layers or tiers. Genes are imbedded in chromosomes. We find the chromosomes in the nucleus and the nucleus in the cell. The cell resides in an organ and the organ functions within organ systems. All these levels are dynamic, participating in mutual inter- actions that influence the health of each organism. They are not static parts of a machine, independent from nature. For more than four million years, beginning when our ancestors first stood erect, we have had a partnership with nature. The success of this partnership, reflected in our individual health, has much to do with nutrients derived from the exterior environment in the food we eat and the water we drink. All life forms require minerals from the external environment to regulate the metabolic enzymes that run their internal environ- ment. When we consume food and water deficient in minerals, our metabolic enzyme systems break down. Thats when we lose immunity to degenerative disease. Getting a handle on where health comes from and how to prevent disease sure beats repair by surgery, treatment with drugs, or the replacement of defective parts. William R. Quesnell, Author Minerals: The Essential Link to Health Six Ways to Put The Mineral Team Back in Your Diet bill@mineralsbuildhealth.com http://www.mineralsbuildhealth.com About The Author Price-Pottenger Nutrition member Bill Quesnell farmed melon for eight years in Costa Rica. He learned where health comes from by putting his hands in the soil, not by depending on the medical literature. Article Source: http://EzineArticles.com/?expert=William_R._Quesnell http://EzineArticles.com/?Prevent-Disease-By-Thinking-Differently-Than-Experts&id=19555 internet personal loans people loaning money no credit check apartment rentals in chicago mortage no closing costs no credit check

By Michael Russell About 7% of the US population is suffering from depression that needs medical attention. The number of people who have suffered at one time or another in their life from depression is about three times as high. According to the World Health Organization women are two to three times as likely to develop a depression than are men. Medical scientists believe that the tendency for depression is at least in part caused by hereditary factors. People who have gone through a bout of depression once have a higher risk of falling ill again. Depression can me treated successfully with a combination of drugs and psychotherapy. Doctors suspect that certain neurotransmitters (chemical agents that carry nerve signals) like serotonin and noradrenalin aren’t working as efficiently in a sick person as in a healthy person. The reasons for this deficiency aren’t known, but it is believed than genes and hereditary factors play an important role. Drugs that combat depression do it by ‘helping’ serotonin and noradrenalin to do their job more effectively in the brain. It is usually, but not always, very difficult and painful events in a person’s life that trigger depressive episodes. With the use of psychotherapy the doctor tries to help the patient to work through those events or help him or her to avoid them altogether. Types of Depressions 1. Unipolar Depression. This is the most common form of depression. It’s called unipolar because the patient is ‘only’ depressed, but not manic-depressive. Main symptoms are feeling very low in the morning, waking up very early, insomniac tendencies and feeling depressed. 2. Bipolar Affective Depression. As opposed to the unipolar depression the bipolar depression is marked by depressive and maniacal phases. Patients suffering from it are delusional about their own capacities and may, for example, work day and nights for weeks on end without feeling exhausted. 3. Winter Depression. It’s also called the seasonal depression, since it occurs usually at the onset of autumn or winter and disappears with the coming of spring. This form of depression therefore only lasts up to 5 or 6 months. The most common symptom is the lack of physical energy, not the feeling of being depressed per se. 4. Some prescription drugs may cause depression, like those with a high element of cortisone, contraceptive products like the pill and drugs combating heart disease (beta blockers). It’s natural to feel low sometimes, but it is different from a depression. In most cases it is easy to distinguish between simple mood changes, even if they come in rapid succession and a disease like depression. There is not always an outside event that triggers the onset of a depression. That’s why it is so difficult to understand not only for the patient but for his or her relatives as well. They definitely suffer through and with the sick person. Since there is no apparent identifiable catastrophe that can explain the mood swings of the patient, he or she very often stretches the patience of those around him or her to the limit. The most common symptoms are: feeling generally very low, a pronounced lack of interest in normal activities like sports or socializing, loss of appetite and loss of weight (in some cases increased appetite and weight gain), the inability to sleep well (insomnia), loss of concentration, indecisiveness, diminished sexual desire, general exhaustion and lack of energy, obsessive thinking about death, suicidal tendencies and suicide attempts. Michael Russell Your Independent guide to Depression Article Source: http://EzineArticles.com/?expert=Michael_Russell http://EzineArticles.com/?Root-Causes-And-General-Symptoms-Of-Depression&id=225054 online cash advance payday loans no teletrack 1500 bad credit loan quick and easy same day student loans

By [http://ezinearticles.com/?expert=Garin_Clark] Garin Clark If you are like many Americans, you are without health insurance. And the ranks of the uninsured are growing. According to the National Coalition on Health Care (NCHC), the number of uninsured was a record breaking 45 million in 2003. The growing number of uninsured is in large part being driven by individuals abandoning the corporate life to pursue their dreams as entrepreneurs and small business owners. Unfortunately, this trend comes at a time when more and more medications are available to help treat the serious (and the not so serious) illnesses that many of us face today. But as you probably already know, without health insurance coverage, the prescription medications that you need are oftentimes too far out of reach; they are simply too expensive! To make matters worse, most prescription medications cost far more in the United States than they do in other industrialized nations. These cost differences in conjunction with the fact that so many Americans do not have prescription medication coverage have spurred a national dialogue and heated debate. Despite these discussions, the needed regulatory changes have not materialized. Thus, the uninsured are left feeling that no affordable prescription coverage options exist. Dont Give Up Hope: There Are Options! Fortunately, however, you are not without options. In fact, it is likely that you can afford the medications that you need. How, you ask, is this possible? Well, read on! There are two primary ways you can afford or save money on your prescription medication. They include participating in one of the many (National, State, and Pharmaceutical) assistance programs and/or purchasing your medication from pharmacies located outside of the U.S. Assistance Programs: Save From 25% to 100%! Most persons are not aware that there are hundreds of programs available that provide either discounted or even free prescription medications to eligible US citizens. In fact, there are over thirty different national programs, virtually every state in the U.S. offers some sort of prescription medication assistance, and there are more than 250 different assistance programs offered by the many domestic and foreign pharmaceutical companies. As you can probably guess, navigating the many programs to find the one that best fits your needs can be difficult. Each program has different eligibility requirements, application requirements, etc. However, the work required to take advantage of the program that best fits your needs will likely pay off. If you are eligible for assistance through one these programs, you can expect to save from 25% to 100% on the cost of your prescription medication. Savings like that are hard to ignore. And luckily, there are powerful tools available to help you find the program that is best for you. Purchasing Your Medication from Pharmacies outside the US Assuming that you dont qualify for an assistance program, there is always the option of purchasing your medication from pharmacies located outside the US. While there are many pharmacies in many different countries that are willing to sell to US consumers, the best option is Canada. Why? The answer is twofold. First, buying from Canada is safer. The Canadian equivalent of the FDA, Health Canada, is stricter than the FDA (and other countries regulatory agencies) in its approval of new drugs. Second, Canadian pharmacies, on average, can sell medications for far less than pharmacies in the U.S. and other countries. They can do so for the following reasons: The Federal Patented Medicine Prices Review Board (PMPRB) regulates medications that are under patent. The PMRB dictates the maximum prices that can be charged in Canada for patented drugs. Health insurers, such as the provincial drug benefit plans, negotiate with the major pharmaceuticals to secure more favorable pricing on the medications that they cover. On average your $1 will buy you approximately $1.40 to $1.60 in medication from Canada. Health Canada is much quicker to approve generic versions of patented medication. The result is generic medications, which always cost less than patented medications, are available sooner in Canada. Although there are many Canadian pharmacies, there are only a select few that you will want to buy from. Just like in the US, there are plenty of people willing to rip you off. And where your health is concerned, you do not want to take a chance. As a result, navigating the Canadian pharmacy option can be confusing and difficult. Luckily, as with the assistance programs, there are powerful tools available to help you find the pharmacy that is best for you. Its Simple to Start Saving Just because you dont have health insurance doesnt mean that you cant afford the medication that you need. The many assistance programs available to US citizens combined with the viable option of buying your prescription medication from Canada present the uninsured with the ability to purchase the medication that they need. Visit [http://www.rxdiscountguide.info/] Rx Savings Guide to learn more about the tools available to help you afford your prescription medication. The author, Garin Clark, is a co-founder of O2M Marketing. O2M is committed to delivering solutions to the marketplace that improve the lives of entrepreneurs while attempting to address some of the major social issues affecting us all. 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By James Hegarty There is no end to the amount of people who want to loose weight at any given time. It is a real desire among people because it is so easy to add those extra pounds. While it may be easy to add on that extra weight it much harder to get rid of. Many people wanting to loose weight embark on a diet as a way to loose weight, but often end up giving it up or not completing it. The problem is not just the diet but a lot of times it is about what really works and which diet regimen or program to follow. Here are some tips that will put you on the right path to achieving you dieting goals. First, eat breakfast. This cannot be stressed enough. Many people make that mistake believing that cutting breakfast will help speed up weight loss or assist in their diet goals. If you have thought that in the past the truth is that it actually does the opposite. You should not skip breakfast. Eating or having breakfast is very important to your health and also to your weight control and dieting goals. Research shows that when you are asleep your metabolism slows down considerably and does not get back to functioning at optimum pace until you have had breakfast. Sure you can still go about your duties but how does that affect your weight. Well when your metabolism slows down that much so does the bodies ability to burn of calories slow down as well and this affects any weight loss you might be hoping to get from dieting. So please be sure to eat breakfast to support your dieting not the other way round. It will help ensure you are on track with your diet through the rest of the day. Also skipping breakfast also creates the tendency that you will splurge on sweet carbs especially those in the bread or confectionaries group. If you are one to rush out of the house in the morning some yogurt or fruit will do just fine and get your metabolism going while giving you the energy you need. Secondly, rather than eat large meals at single settings it is best to spread your meals through out the day. Again it is better as it helps with rapid metabolism of food and ensures that more calories are burnt off. Be sure to spread want you eat between meals and snacks. You can eat three meals and three snacks through the day which would work perfectly for you. This might be hard as you might be a busy individual but the advantage to this is you end spending less time in dieting because of the fact that it speeds up your metabolism and also curbs the intake of bad carbs. All this really takes is some time planning before going grocery shopping and working your menu. You can try preparing some healthy snacks for in between meals. Drink water and more water. It is absolutely important that you do this. Drink at least 8 to 10 glasses of water. This is hard for many people because water just does not taste great, but the more you get into drinking water the easier it gets. Drinking water much more frequently helps condition you to it and with time it becomes less of a problem. Try drinking a cup or two of water first thing in the morning even before eating and you will more likely than not drink water more during the day. You can also try leaving some bottles of water in your car as this will ensure that you have water close at hand. If you find that you still have a problem with drinking water you can also try flavored water primarily those that come without any extra additives which might be unhealthy for you. You can find a diet online and select the right diet plan suitable for you by visiting www.simple-steps-to-dieting.info Article Source: http://EzineArticles.com/?expert=James_Hegarty http://EzineArticles.com/?Dieting—3-Easy-Tips-That-Will-Ensure-The-Success-of-Your-Diet-Goals&id=379322 attorney cash advances renting a home no credit check lithonia ga fast unsecured loans in the uk sba loan custom connection battle creek michigan

By Debbie LaChusa Have you been to a networking event, or a conference or industry meeting lately? If you have, chances are you heard a presentation. Someone got up and spoke to you and the rest of the group about a topic. A topic they knew a lot about, and a topic related to their business. They may have even made a special offer to the group, such as a special product or service package they don’t usually sell, or a special discount on their products or services. These people are using speaking as a marketing tool … as a way to get the word out about their business, products or services. They’re doing this by sharing valuable information with the kind of people they can best help, and those they’d like to have as clients. And by offering everyone the chance to go deeper by making a purchase, or joining their email list, or some other offer to bring them into the fold of their business. If you’re a small business owner or independent professional, you can do the very same thing. And the best part is, it’s free. So what if you’re not sure how to use speaking as a small business marketing tool. Here are 10 steps to get you started: (1) Identify a topic you know a lot about and that is related to your business. (2) Using that topic, put together an outline for a presentation. (3) Create a 30-60 minute presentation from this outline, being sure to share valuable information and helpful tips, but also being careful not to give away the whole store. (4) Identify who your ideal clients are. (5) Look for groups or associations these ideal clients belong to that hold regular meetings. (6) Contact these groups to see if they feature outside speakers at their meetings. (7) For those groups who do feature speakers, offer to come speak at a future meeting for free. Be sure to help them understand how your topic will benefit their members or attendees. (8) Find out if the group you are speaking to will allow you to sell your product or service to the group at the end of your presentation. (9) For those groups that will allow you to sell, put together an irresistible offer. Consider packaging together products or services you don’t usually sell together, or give them a big discount if they purchase from you at the event. (10) For those groups that won’t allow you to sell, do a giveaway of one of your products or services and invite all attendees to submit their business card for a chance to win. Follow-up with everyone who enters, inviting them to join your email list. Speaking is a great way to get yourself in front of your ideal clients so they can get to know you and your business better. It’s also a great way to build a mailing list of your ideal clients that you can market to over time, through a regularly published newsletter or ezine. (C) Copyright 2006 Debbie LaChusa, 10stepmarketing Debbie LaChusa created The 10stepmarketing System to make marketing your own business as simple as answering 10 questions. Learn more about this unique, step-by-step system and get a free 10-week Marketing E-Course when you subscribe to the free, weekly 10stepmarketing Ezine at http://www.10stepmarketing.com Article Source: http://EzineArticles.com/?expert=Debbie_LaChusa http://EzineArticles.com/?Free-Marketing-Tip-5:-Get-Out-and-Speak&id=133394 speedy cash payroll advances personal installment loans for bad credit paper free online payday advances boat no credit check austin texas

By Jessica Cander Are you one of the millions of women ready to trade in your traditional makeup full of chemicals and artificial dyes for the increasingly popular pureness of mineral makeup? Have you hesitated because of the messiness that comes with most mineral makeup powders? Your worries are over! Naked Minerals is a new, cutting edge line of mineral makeup that has redefined the meaning of mineral makeup. This innovative line of pure and natural face makeup combines the silky, youthful effect mineral makeups are loved for with the colors and usability women expect from their makeup to give you a quality makeup product that you can apply anywhere. Using Naked Minerals means beautiful, radiant skin without ever worrying about clogging or irritating your skin. Unlike many mineral makeups on the market today, Naked Minerals really is 100% natural. These pure cosmetics are free of perfumes, dyes, talc, and skin damaging chemicals. Every single product carried in the Naked Minerals line contains nothing more than a blend of genuine minerals that protect and refine your skin. Each product is hypoallergenic, making Naked Minerals perfect for those with extra sensitive skin, and offers natural protection from ultraviolet rays with at least an SPF of 15. Naked Minerals offer a wide range of shades so you can find the perfect mineral makeup for your skin tone, even as it changes through the seasons. The almond and caramel shades are best for most women and are designed for medium and olive skin tones with neutral or gold undertones. Naked Minerals also offers products for very fair skin typical of sunburns with their vanilla line, and even accommodates dark, espresso skin tones through the deep chocolate line. Each skin tone category contains a variety of shades in warm and cool hues so you are sure to find the perfect color to enhance your natural beauty! If you have tried mineral makeup before, only to give it up because the application process was so difficult and messy, Naked Minerals has made it easier! Instead of a fine powder that blows all over the bathroom counter, each product is neatly pressed into a stylish compact for easy use. The relaxing and healthful setting mist, an essential oil commonly used in aromatherapy, is mess-free as well. Simply spray the small bottle across your face to set the makeup or to quickly refresh your makeup throughout the day. Naked Minerals is designed for all day use, lasting up to 24 hours. Its so natural you can exercise or even sleep without having to reapply your makeup, and it wont stain sheets or clothing! Naked Minerals also offer very competitive prices for such revolutionary mineral makeup products. For less than $200, the Supreme Collection includes everything you need for a sheer and natural, beautiful glowing face, in a chemical free color perfect for your skin tone. A full set of handmade, all natural makeup brushes are neatly packaged in a stylish cosmetics bag, along with liquid mineral concealer, which is also perfect for protecting and plumping your lips, two shades of foundation and bronzer, and a complimenting natural eye shadow trio. A pure pigment mineral blush compact comes with the package as well, for a natural sunny glow to your lips and cheeks. You will also get a bottle of Neroli mist setting spray to finish your makeup application, and a free brows kit complete with a small, handy mirror, an assortment of style shapers, and a pure mineral brow pencil. With Naked Minerals, you only need to apply a small amount to see the best results, so each package is truly an excellent value! You know you are doing something good for your face when you apply Naked Minerals. From the silky feeling of your skin to the radiating glow you see in the mirror, you will see a tremendous improvement in your skins natural qualities. If thats not enough, each Naked Minerals product comes with its own certificate of authenticity to prove its only natural and pure ingredients. Better yet, Naked Minerals is covered by a 100% satisfaction guarantee to ensure your safe use and complete satisfaction. So, if you have been considering mineral makeup or if you were unhappy with the other mineral makeups you have tried, give Naked Minerals a try. You and your skin will be glad you did! Jessica Cander is a professional freelance writer who contributes to a wide variety of health and nutrition related web sites, including Good Nutrition Center. Naked Minerals is an innovative line of face makeup that has eliminated the disadvantages of mineral makeup. Article Source: http://EzineArticles.com/?expert=Jessica_Cander http://EzineArticles.com/?Naked-Minerals&id=537558 project payday i need a loan of 1000 quick 90days to pay back guranteed payday loans how to pay off a payday loan

By Mike Linder The object of consuming Green Tea is to derive the greatest health benefits that the brew has to offer. However did you know that Green Tea has a fairly short shelf life, and to get the greatest benefits it should be drunk as quickly after picking as is possible? The actual shelf life of Green Tea is usually written on the packaging by the production company. Note that it has a shorter short shelf life when compared with other types of tea. The shelf life of Green Tea will generally be up to six months after harvesting, when exposed to open air. Indeed there are certain varieties of Green Tea which will be deemed spoiled after four months from harvesting. Keeping Green Tea fresh for consumption in the countries in which it is harvested, although needing care is fairly simple as there is usually no great time-delay in transportation. However with the popularity of Green Tea soaring worldwide it now travels perhaps many thousands of miles from the harvest site before it reaches the customer. So freshness becomes a problem When transporting Green Tea on long journeys most companies, but not all, seal the tea in packages filled with a nitrogen gas, which replaces oxygen and prevents the Green Tea from oxidisation. When sold in packages the Green Tea should be sealed in a bag from which the oxygen has been removed. The contents of the bag should then be used within two months so as to have the Green Tea at its freshest. There is much difference between a Green Tea which has been properly packaged and a Green Tea which has been exposed to air for much of its life. Sometimes you take a risk in the purchase of your favourite flavour of Green Tea, in that some degradation has happened prior to your purchase due to the exposure to oxygen. You should always read the packaging before purchase to make sure of the harvest date of the Green Tea: the better providers have no problem in giving this information. Remember, by purchasing the freshest you will be getting a greater helping of the wonderful benefits Green Tea has to offer. Mike Linder is the author of the definitive guide to all green teas and their health benefits. http://www.benefitsdrinkinggreentea.com Article Source: http://EzineArticles.com/?expert=Mike_Linder http://EzineArticles.com/?Green-Tea:-What-a-Difference-a-Date-Makes&id=284057 cmg payday loans private student loan no faxing cash advance personal loan very bad credit

By Teddy Shabba A common excuse some men like to use to explain why they aren’t going out with women is they are too poor to date women right now. However, this excuse is only good for men who plan on becoming Sugar Daddies, even then learning how to attract women can be a good thing. Money or being rich can and does attract women. Given a choice between two men, who are identical in every way, with the exception of one man being rich and the other poor; almost every women will take the rich man over the poor. Any woman who says different, is lying or lacks the mental capacity to survive long enough to even make a decision like that. Yet, if given a choice between a man who knows how to create attraction inside of her and a rich man, only a gold digger will choose the rich man; and even then she will do her best to keep the man who creates attraction in her life as well. If you are reading this right now, and don’t know how to attract women, then you have no excuse not to learn how to attract women, right now. Men who are not ready to learn how to attract women do not read articles about attracting women. More importantly, learning how to attract women will actually make it much easier to become wealthy as you can focus much more clearly on what it takes to succeed instead of pretending that you are not focusing on attracting women. Teddy Shabba is a Dating Coach for Men who has a daily newsletter that provides you with a wealth of information on how to be more successful with women. You can sign up for the Teddy Shabba Dating Advice Newsletter for Men now. Also with over 500 articles from a variety of dating experts just for men our Dating Advice and Seduction Article Database is the perfect place for any man. To learn more about How To Attract Women visit our article section Attract Women Today Article Source: http://EzineArticles.com/?expert=Teddy_Shabba http://EzineArticles.com/?Waiting-Till-You-Can-Afford-To-Attract-Women&id=505097 personal student loans for bad credit 5000 cash advance search homes with no credit check required paycheck

By [http://ezinearticles.com/?expert=Kim_Neal] Kim Neal For those who take Bextra, there are many warnings out that are telling people to stop. It is wise to do this and to do it right away. Of course, you should talk to your doctor about it as well. But, what is Bextra and what does it do? Are their good effects and bad for this drug? Yes, and that is what keeps doctors wanting to prescribe it. But, the FDA (Food and Drug Administration) have deemed the bad effects to outweigh the good enough to stop production and distribution until a true answer can be found. Bextra is a non-steroidal anti-inflammatory drug. It reduces substances in the body that cause pain and inflammation. It has been used to treat osteoarthritis and rheumatoid arthritis, mainly. It has also been used to treat women who have painful menstruation. Arthritis, as a general rule, is an inflammation of the joints. Bextra has been able to stop the pain enough for patients to feel some relief. Vioxx is in the same class as Bextra and it was also pulled from the shelves. In some cases, the pain relief given from Bextra is not better than that of the over the counter pain reliever Motrin. For others, they claim that no other drug will give them any relief. In either case, the side benefits of Bextra can not compete with the side effects as these far outweigh the benefits. But, the problem with Bextra is that it can increase a persons chance of a heart attack or stroke. In some patients, this has occurred and has been deadly. It can also cause a severe skin rash as well. It has been linked to the cause of stomach ulcers, liver damage, and worse. Since Bextra has been removed from the US, Canadian, and European markets, it is wise to take warning and to stop taking the drug. If you have suffered one of these symptoms while taking the drug, you should stop and call your doctor and possibly a lawyer. The risks of this drug are not worth the mild pain relief it can offer. Kim Neal Are you aware of the [http://www.web-news-update.com/bextra/index.html] Bextra side effects? [http://www.web-news-update.com/bextra/index.html] http://www.web-news-update.com/bextra/index.html Article Source: [http://ezinearticles.com/?expert=Kim_Neal ] http://EzineArticles.com/?expert=Kim_Neal [http://ezinearticles.com/?Bextra,-Some-Facts-To-Consider&id=44309 ] http://EzineArticles.com/?Bextra,-Some-Facts-To-Consider&id=44309 payday advance loans guarenteed bad credit medical loan payday lender bad credit secured loan

By Joseph Kenny If you have a credit card you’re likely to have debt, but you could save a small fortune on repayments by transferring the outstanding balance on one credit card to another credit card. Credit card balance transfers are an easy option for managing credit. Some people switch their balances from card to card to take advantage of each new offer. This is known as card jumping or rate surfing. Credit card balance transfer offers can also be used to reduce the interest paid on bank loans or other loans. If the credit limit is high enough, you may even be able to pay off the loans completely. Some credit cards provide credit card cheques for this purpose, but you’ll need to be careful. Some credit card cheques have higher interest rates than the credit card itself, so read the fine print very carefully. Some credit cards also allow you to transfer the balance from store cards. This can be useful after an intensive shopping spree! Types Of Balance Transfers There are two main types of credit card balance transfer offer. Many credit card companies offer users the chance to transfer balances for a rate of 0% for a fixed period, such as six or nine months. Once this offer has expired, the interest rate on the transferred balance will revert to the standard variable rate, which is likely to be considerably higher. The best way to take advantage of 0% balance transfer offers without ending up with higher interest rates is to get a new credit card about a month before the balance transfer offer expires. Then you can transfer the outstanding balance on your old credit card to a new card and continue to save money on credit card repayments. Remember not to apply for too many new cards at once, as this could damage your credit rating. The second type of balance transfer offer is one that offers a fixed rate on the money transferred for as long as it remains on the credit card. This may be a good option if you’re currently paying interest at a higher rate. These offers tend to offer a rate of around 5% which is considerably lower than standard interest rates. With this type of offer, there’s no need to worry about transferring balances every few months. Credit Card Purchase Rates With this type of offer, it’s best to check the rate that applies to purchases. Credit cards that offer a low balance transfer rate often have a higher rate for any spending on the credit card. It is also common to take any payments you make off the lower rate total first, which means you could end up paying quite a bit for spending on the card. Each type of balance transfer offer has advantages depending on the amount of debt you have, how you spend and how you plan to pay off the credit card balance. Some credit cards and store cards have annual percentage rates that are well over 20%. Shopping around for a balance transfer card could save hundreds. Joe Kenny writes for Credit Card Guide, offering the latest information on uk credit cards in the UK, visit them today us to apply for a best balance transfers and start clearing credit card debt today. Visit today: http://www.cardguide.co.uk/ Article Source: http://EzineArticles.com/?expert=Joseph_Kenny http://EzineArticles.com/?How-To-Find-Good-Balance-Transfer-Cards&id=236175 lafayette bad credit used car loan online cash loans personal asset loans find local cash advance places