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UK Homeowners Turn to Personal Loans Instead of Mortgages

The global financial crisis has hit just about every country in the world, almost without exception.  As a sign that the economy has picked up, in the UK a large number of lenders and brokers have reported a significant jump in the number of people applying for large personal loans, in excess of £20,000, for improvements to their homes.

Before the recession, these people would have remortgaged their homes to pay for their improvements but it seems that, in the UK at least, it is cheaper and easier to take out a personal loan.

New Rules – Tougher Measures

New mortgage rules have been introduced as a measure to stem the tide of bad lending decisions and people taking on debts they simply cannot repay.  On top of that, the time taken to actually approve a remortgage has increased making it much easier to take out a personal loan, which is an instant decision.

For those looking to borrow money on their mortgages, new measures mean a minimum 2 hour interview followed by stringent checks on their financial status just to borrow a few thousand pounds.

It isn’t just the poorer sections of society that are suffering either. Even those with higher salaries are being refused because they cannot pass the new affordability tests that have been introduced.

Personal Loans are Easier

Personal loans do not come under the same rules, requiring only a basic check on the borrower’s credit status. This means that, where mortgage companies may be losing out, companies who offer personal loans are raking in the business.

Personal loans are not always the answer but, for those who are looking to borrow a small amount on their mortgages, they may be the easier option. Some case studies have shown that customers who have been turned down for a mortgage are being urged to take out a personal loan instead, many by the same bank as provides their mortgage.

One couple applied to borrow £50,000 on their mortgage of £100,000 were refused but the bank told them that they could each take out a personal loan of £25,000.

Mortgage rates in the UK have remained high and are creeping up now but rates on personal loans are going in the opposite direction, mainly because of competition with high street lenders and with the number of independent lenders, both high street and online.

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Land Pollution and its Effects

Mankind’s concern for the environment these days has placed several issues on the limelight such climate change, global warming and being eco-friendly. Another pressing problem that experts believe need to be addressed is pollution. Pollution is defined by a web dictionary as “the introduction into the environment of a substance that has harmful effect.”  Its main cause is the waste generated by humans; and, as the world population grows, so does the quantity of waste. Pollution takes several forms. It can occur in air, water or land; and can negatively affect the health of an ecosystem as well as disturb the balance of the natural environment. Because of the world’s increasing awareness of climate change, air pollution has been given much focus in recent years. However, land pollution can be just as detrimental to the environment and to human health, if left unchecked.

There are several identified sources of land pollution, among them agriculture, mining, deforestation, soil erosion and rapid industrialization. Rapid population growth has resulted in a proportionate demand for food. More land is needed to grow crops; hence, vast areas which were previously forests are now being used for farming instead. Agriculture also makes use of fertilizers and pesticides that contaminate the soil. Moreover, unsustainable farming practices have turned once-fertile land to barren ones, which are incapable of supporting plant growth. Land which has no vegetative cover is prone to erosion, degrading soil quality further.

Industries are major contributors to land pollution as well. The waste they generate in the production of goods consists of substances and chemicals that are released to the environment; and some of these are very toxic. Households, like industries, produce massive amounts of garbage which are dumped into landfills, which deposit contaminants to the soil and groundwater.

More than being eyesores, the piles of garbage and the community landfill in an area can negatively impact the environment in less visible ways. This occurs through contamination. Waste containing toxins can seep into the soil and make the ground toxic as well. The poison that is covering the ground spreads to the plants growing in it as well as the animals feeding on the plants. In agricultural areas, such process becomes more dangerous because plants and animals on farms are grown and raised for human consumption. Eating contaminated food can pose serious health risks for people.

Even if land pollution has certain serious consequences, hope is not lost. There is still something that people can do to minimize it and mitigate its effects. The principle of “reduce, reuse and recycle” must be practiced by every household to lessen the amount of generated waste. For items that need to be disposed of, this must be done properly. There are items that can be dumped in the landfill but there are others that need to be brought to a facility for recycling or for appropriate treatment. For households that need to get rid of a large volume of junk from their homes, professionals that provide services for junk removal such as this site should be called upon. This will ensure that the waste will end up where it is supposed to, without doing harm to the environment.

Land pollution is a serious problem that every living creature on this planet has do deal with. Luckily, a solution is on hand with the collective effort of everyone. When it comes to saving the environment, every effort, no matter how small, contributes much. Be part of a noble cause and do your part today.

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10 Underrated Cities of Europe

Europe is home to some of the most beautiful cities in the world. Most people tend to head for the larger, better known places but there are some highly underrated cities in Europe that sadly tend to be overlooked:

  1. Cork, Ireland
  2. While Dublin is a nice place, Cork, often termed the “real capital” is friendly, welcoming and laid back with numerous foodie places to visit.

  3. Lyon, France
  4. Lyon really does give Paris a good run for its money. It has everything – museums, nightlife, culture and shopping.

  5. Helsinki, Finland
  6. Helsinki is a quirky little sea town with a beautiful harbor, museums, traditional saunas and plenty of parks and green areas to wander.

  7. Budapest, Hungary
  8. Budapest is fast becoming a popular travel destination, a very beautiful city on the Danube River. It offers architecture, romance, traditional Hungarian food and hot springs as well as a colorful history.

  9. Gothenburg, Sweden
  10. Cheaper than Stockholm, Gothenburg offers the same cool cafes, architecture, shopping and art experiences.

  11. Porto, Portugal
  12. Porto has a long history, all the way back to Roman times and today offers color and romance, mixed with that history and culture. It has a beautiful center and museums and is the real birthplace of the alcoholic drink, Port.

  13. Granada, Spain
  14. Granada is located in the heart of Andalucía. Its biggest attraction and one worth visiting is Alhambra, a Moorish Palace complete with citadel.

  15. Maastricht, The Netherlands
  16. Maastricht is a very pretty city, full of young yet sophisticated people.  It has two squares, one called Vrijthof with a cathedral and numerous bars and restaurants. The other is Markt, where the town hall sits.   A real draw to visitors is a network of underground tunnels that are open for daily tours.

  17. Ghent, Belgium
  18. The only word to describe Ghent is cozy. It is a modern city with an ancient history and beautiful canal-side architecture. It is also how to Gravensteen Castle and St Peter’s Abbey.

  19. Bucharest, Romania
  20. Bucharest used to be called “Little Paris” and it’s easy to see why.  The city is home to a number of excellent museums, well-kept parks and a nightlife that must be seen to be believed.  The streets are wide, cool and lined with trees and the architecture is of an Époque style.

Visit all of these cities and more by booking tailor-made Europe tours with this winning company.

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Debunking Myths Regarding Botox Injection

Those who wish to remove the fine lines and wrinkles on their faces opt for Botox injection. This is a proven way to take those lines out without going through an invasive surgery. It also does not require a long time for recovery unlike other procedures. One the Botox is injected, results can be seen right away. However, there are still those who are afraid to try the process out. This is due to their wrong notions about the whole process. Thus, this article will completely debunk those myths and state the facts about Botox injection.

Myth # 1. The procedure is very painful.

Fact: The process does not need anesthesia as it is not really that painful. It is just like a small mosquito bit. It makes use of a very fine needle with minimal liquid being injected on the face. Thus, you can feel no pain whatsoever. When you are totally relaxed, the muscles will relax as well. Thus, once the needle is injected, you won’t feel anything at all.

Myth # 2. Botox erases facial expression.

Fact. This is usually the joke thrown around people who have undergone Botox injection. Many people think that Botox stiffens the muscles and stop them from moving. Thus, even if people smile or frown, no one will know. Again, this is not true. Yes, the process helps relax the muscles. However, you can still have those expressions if you wanted to without putting a lot of efforts.

Myth # 3. Botox is a poison.

Fact. Technically, this is true. It is derived from purified proteins coming from toxins. However, what is not true is that it is the same with another poison called botulism. These 2 are totally different. Besides, even if Botox came from toxins, they have been approved. There are also a lot of other toxin-based products out there that received FDA approval.

Myth # 4. Patients usually don’t see positive results.

Fact. According to statistics, up to 97% of those who have tried Botox are satisfied with the results. As long as you stick with surgeons who know which area to target, you will most likely see the results that you desire.

Myth # 5. Botox is extremely dangerous.

Fact. Over the years, up to 16 million patients have received Botox injection. None of them died or have been seriously injured by the injection. In fact, some people have started injecting Botox several years ago and have continued doing so for the next 5 years or so. Yet, they still did not experience any negative result. It would take 100 times more than the average Botox injection for it to be considered fatal.

In short, with these myths being debunked, you have no reason not to give it a try. Just make sure to find the right surgeon who will help you out. If you need Botox Eldorado Hills surgeon, try to find one here. On the other hand, if you wish to get dermal fillers, you can read more at http://www.juvae.com.au/.

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Top 4 Results of Breast Augmentation Surveys

Breast augmentation has been rated as the number one cosmetic surgery opted for by women back in 2010. The numbers increased by 318,000 over the succeeding years, according to the American Society for Aesthetic Plastic Surgery. This comes as no surprise that breast augmentation is a popular procedure among women in the 18 to 34 and 35 to 50 age bracket. Some of the most common reasons of having a breast augmentation procedure stated by women in a poll were: perceived small size of breasts, changes in the breasts after pregnancy and breast feeding, along with the disparity in the sizes of the breasts. Here are the top 4 survey results generated with regards to breast augmentation and its effects. 

Improved Sex Life
RealSelf.com conducted a survey for information and learning purposes where the personal feedback and comments of women who had undergone breast augmentation or breast implant surgeries were recorded. Approximately 34 percent women reported improved sex lives post breast augmentation procedure. Another 61 percent also revealed that the frequency of their intimate interactions had increased post breast augmentation. Some of the women had voted Me Clinic as the preferred breast augmentation facility in Santa Monica. 

Increased Self Esteem
Along with an improvement in their sex life, women also reported that the level of self esteem and confidence increased. Surgeons from different facilities, such as those who perform breast augmentation in the South Jersey-based Cornerstone Plastic Surgery and Aesthetic Medicine, reported that they could see an instant positive change in the personality of women who got the procedure done. This positive change becomes apparent in their workplace, personal relationships and social interactions. The increased self confidence and self esteem brings a positive change in their life all around. The way they carry themselves and dress up also becomes better than pre-surgery. 

Satisfaction Levels are High
RealSelf.com also quotes that majority of the women who opt for breast augmentation rate it as a procedure that is 'worth it'. The breast implant comments and reviews indicated that almost 7.5 out of 10 women were extremely happy with the results and encouraged other women to go for the procedure as well. The procedure remains as the number one recommended and owned cosmetic surgery option for women around the globe. 

Remote Possibility of ALCL 
Supported by Mayo Clinic, there are remote possibilities of ALCL reported in women who opt for breast augmentation. A survey was conducted to find out whether there is a risk of cancer in women who go for breast implants and what do women in general feel about it. The majority of them believed that since the possibility is minimal, they would not mind going for the procedure, given that their consultant and surgeon are confident about their case and related history. Moreover, there is still an ample amount of research being conducted to find out whether the probability of cancer increases after breast implants. So far a high number of correlated cases have not been reported. Separate studies for silicone and saline breast implants are now being done to assure whether a particular type of breast implant carries a higher probability of causing cancer. 

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Common Cosmetic Procedures Performed Around the World

Plastic surgery or also known as reconstructive surgery is a medical procedure that corrects deformities that may be caused by trauma or accident, as well as those that had them since birth. Cosmetic surgery on the other hand improves the physical look of the patient without deformities. The procedure is done for aesthetic purposes.

Cosmetic surgery has become more common in different countries around the world. More people would like to enhance their appearance for various reasons, including building their self-confidence and improving their career, social life and personal life. Professional and experienced cosmetic surgeons can be found in different locations, including Atlanta and New York.

It’s not surprising that there are several great surgeons offering their services in the USA since the country is number 6 on the list of the top countries that have high demands in cosmetic surgery. Below is the complete list of the said countries:

1. South Korea 
2. Greece 
3. Italy 
4. Brazil 
5. Colombia 
6. USA 
7. Taiwan 
8. Thailand 
9. Dominican Republic 
10. India

Here are some of the most common cosmetic procedures performed around the world.


This procedure is done to eliminate fat deposits on cells that are hard to remove through exercise and proper diet. It contours the body to remove sags and give it a better shape. A tube is inserted on the problem area, which sucks the fats out. You must continue with your health regimen as these fat deposits can go back if you gain weight again.

Laser Facelift 

This is one of the procedures to choose from if considering a facial plastic surgery in Atlanta, as well as other locations. If you don’t want to go under the knife, this is a good alternative as it uses laser. A new laser technology called LazerLift in New York is becoming popular since it’s more precise and safer. If you want to get rid of skin sagging, wrinkles and you wish to look younger again, this procedure is for you.


Rhinoplasty, also known as nose job, is the process in which the nose is altered to get the ideal shape. This may include changing the angle of the nose and narrowing the bridge of the nostrils.

Breast Augmentation 

It’s one of the most performed surgeries around the world. People who would like to have bigger breasts and those whose breasts do not have the same size may consider this procedure.

Tummy Tuck 

During this surgical procedure, the abdomen is flattened by removing excess fats and skin. This is for individuals who have lost a huge amount of weight, but were left with the sagging skin on the tummy area. This is also true for women who gave birth as their skin would stretch during the pregnancy.

While doctors offering these procedures can be easily found in any country around the world, but not all of them have the right training and experience. Choose a reputable surgeon that specializes on the area that you need help with to make sure you get the result that you want.

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Determining Warranty Before Installing New Doors

Before buying and installing new doors, it is important to first know the warranty details. There are a lot of rules that apply to door warranties depending on type of door and the retailer where the door was purchased. Knowing more about the warranty period will help should the new door fail you and where you might have to replace it.

There is a different warranty period for exterior and interior doors. Exterior doors usually have shorter warranty period, ranging from 1 to 5 years. This is mainly because of the nature of its location subjects it to the elements and the wear and tear that results. Interior doors may have a warranty period lasting for up to 10 years. There are also different rules governing wooden doors and glass doors. Glass doors usually have shorter warranty period, unless they’re insulated glass doors.

The rules on warranty are usually applicable for doors used in homes only. In commercial establishments or hospitals, different rules might apply. Doors used for multi-family applications might also not get the same privilege. Most of all, the warranty period is only applicable to the original user and may not be transferred to the next user.

There are also other instances in which the warranty period may be void. For instance, the warranty might be automatically revoked if there were any repairs made by individuals other than those affiliated and sanctioned by the warranter, usually the manufacturer or the retailer. If you fail to properly seal the door within a certain period of time, warranty may also be voided. If there are variations in the texture or color of the door that were intentionally made, it may also cause the warranty to be voided.

Though it is great to know that warranty protects your interests when you buy new doors because of this warranty period, it is even better if you know that you have gotten a high quality door in the first place. Nothing beats having high quality doors installed, as you are assured of a great product even after the warranty period.

If you want the best choices for windows and doors in Barrie, you can visit http://doorswideopen.ca/windows-and-doors-barrie/.

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How Breast Augmentation for Models

Those who aspire to become celebrities may feel they need to undergo all kinds of aesthetic investments. At least, that’s what most would like to believe. One of the more popular “investments”, especially for female models, is a boob job that’s intended to boost their confidence and increase their appeal.

Models who are considering breast augmentation, or any other form of cosmetic surgery for that matter, to enhance their chances, need to measure the pros and cons before going under the knife. It must be determined if the procedure would be worth the effort and money spent. Making the A-list is not a guarantee, after all.

Can it Boost a Model’s Career?

Each model should have a unique look that’s supposed to capture a certain type of audience. Getting one’s boobs done may have a good or bad effect on one’s modelling career, depending on the target industry and the inborn physical characteristics possessed.

For those who have already crept into the modeling industry, breast enhancements may not be necessary because they were already selected according to their natural look and would often have a slew of clients coming after them.

However, if there is a desire to shake things up and change one’s niche, models might need to consider a makeover, and have some work done to fit the requirements or qualifications for a particular modeling niche. Say, for example, a model for undergarments or swimwear might have to have at least a B or C cup in order to get hired for a job.

There are some models who often go the other way as well, especially when they want to focus on runway work. They go for breast reductions, which in Cedar Rapids may cost less than in New York or LA. There are in a breast augmentations in Calgary clinics as well, where they can trim down their chest measurements for a less exorbitant fee, so they could fit to high fashion catwalk dresses that’s usually between sizes 0 and 2. Runway models do not really need breasts because they typically need to measure at least 31 to 34 inches across their chest.

In the end, each model must have an understanding of her strengths and advantages, and have a grasp of what she wants to achieve in her career. She will have to do what it takes to book the types of jobs she wants.

Breast Augmentation Updated

With technology constantly advancing, models who decide to have can stop worrying about the sheer weight that often comes as a burden. Two brothers from Israel, one a plastic surgeon and the other a biomedical engineer, have developed the world’s first lightweight pair of silicone implants. It weighs 30% less and would definitely make a sure fit not just for aspiring models who want to exude a new level of attractiveness but also for breast cancer patients who want reconstructive surgery.

It’s easy to change the shape, look, and feel of one’s body with the help of Science. But, model or not, one must always have to go back and ask, “Is it worth it?”

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Binary Options Trading: A Close Look

Advancements in technology have significantly changed our world over the past decade. One of the biggest changes in our world happens to be the fact that so many people from all over the world now work online. In today’s world, it is very much possible to find a rewarding career online. The best part is that many online jobs are easy to land. For this post, I am only going to concentrate on one kind of online job that thousands of people from all over the world have: being a binary options trader. It’s one of the most fascinating online jobs, in my humble opinion.

What exactly is binary options trading and how does it differ from other forms of online trading? Unlike other forms of online trading, binary options trading doesn’t require people to actually own assets. Instead, people just trade on options for underlying assets. To make money off an option, people just have to correctly guess if the price of the underlying asset it’s for is going to increase or decrease by a certain time. A correct guess will always lead to profit; an incorrect guess will always lead to a loss. Considering that even those who don’t know anything about trading always have a 50% chance to earn off a binary options trade, it’s easy to see why so many people now do binary options trading for a living.

Of course, one of the biggest controversies with regard to the binary options trading sector is the fact that there are so many illegal brokerages out there. Unfortunately, many people still fall prey to their schemes. This is because illegal brokerages offer so many seemingly attractive benefits to their clients. The truth, however, is that such brokerages never really offer benefits of any sort to their clients. The worst part is that they ultimately just rob their clients of all their earnings.

The good news for those interested in binary options trading, however, is that there are legitimate binary options brokerages out there that do offer amazing benefits to their clients. One of these brokerages happens to be Banc de Binary. Every day, thousands of people from all over the world create a Banc de Binary account. This is because Banc de Binary, aside from being a legitimate brokerage, offers amazing perks to its clients. These perks include binary options trading signals, 24/7 live help from expert brokers, video tutorials, etc.

If you have always been interested in online trading but have always been afraid of engaging in it, binary options trading should prove to be a great gateway for you. Unlike other forms of trading, even those who don’t know anything about finance find that they are able to learn the ins and outs of binary options trading in just a day or less. Because of the many amazing benefits it offers, so many people now actually do it for a living. If you want to know more about binary options trading, I suggest you head to the Banc de Binary website. Their website has all the information you need with regard to such a form of online trading.

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Television Is Shaping Global Furniture Trends

I’m absolutely fascinated by the way that modern television is influencing many modern global trends.

I was recently invited to visit the UK and to write about subjects of interest to UK news readers. I was fascinated to find one trend which has become very popular in the UK and which has been prompted by the rise of a number of popular British television programs.

If you’ve not watched British television lately you may have missed it but there have been a range of new programs where your ordinary mums and dads come along to have their old and obscure items assessed and valued by experts. Just about anything considered to have antique value will be judged and appraised on the program by people who are experts in the field. It’s a fascinating television program to watch.

The most popular of these is called Antiques Roadshow and this particular television program has become massively popular throughout the UK and is now syndicated to a range of other English speaking countries.

The Antiques Roadshow has a particular television style. It travels around the country offering the opportunity to ordinary people to bring along any type of old and obscure item that they may have at home to find out what it is and whether or not it has any significant antique value. It is now watched by millions in the UK and has been followed up by a range of other similar types of program featuring old or rare items and antiques.

Commonly on the program people bring along pieces of vintage furniture. I am constantly amazed at how highly these pieces of vintage furniture are valued.

And this program has now prompted a resurgence in interest in furnishing with vintage furniture. Many people are now visiting websites selling vintage furniture like furnishmevintage.com to research furnishing their own house in this style.

And auction websites such as eBay are also finding a significant increase in the amount of vintage furniture auctioned online.

I’m sure this will become an international trend as programs such as Antiques Roadshow and similar programs are syndicated through more and more countries.

And I would expect that the value of old furniture shall steadily increase as more and more people seek to furnish their homes in this retro style.

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