Cars

Car insurance is one part of our family budget that we will always have to deal with and so it behooves us to get better informed We would all love to buy some form of discount car insurance The reality of that already exists There are more discount Read the rest of this entry »

Stress and anxiety go hand in hand It is said that one of the major symptoms of stress is anxiety Aside from that it is stress that is commonly blamed for a staggering eighty percent of all illnesses either directly or indirectly

Stress comes from Read the rest of this entry »

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Do you realize how much you are at risk financially if you wreck your car or it gets stolen Your auto insurance policy might not provide all the financial protection you need if the value of your car is less than the balance of your auto loan Gap coverage is designed to cover the difference between the value of your car when it was lost and the balance of your car loan

This is also called Negative Equity Having to continue to pay off your car loan every month when you dont even have your car anymore is probably not what you had in mind when you bought it

Lets say you lost your car in a hurricane or other disaster one year after you purchased your car Now lets say you still owe 20000 on your auto loan and your deductible is 500 Lets also say your car was worth 15000 at the time you lost it The insurance company pays you 14500 Then your Negative Equity or Gap is 5500

Gap Protection isnt really insurance its a Debt Cancellation Agreement You could call it a waiver of the part of your auto loan contract that requires you to pay the difference between the value of your car and the amount still owed on your car loan There are a few states that do consider Gap Protection a form of insurance but most states do not

Is Gap Protection for you Talk to the person considering your auto loan Car buyers who are putting little or no money down on a car may need Gap Protection If you are transferring the balance of previous car loans into the current car loan or taking out an extended car loan like a 60 month loan you may need the extra protection Any car buyer who will owe more than their car is worth needs Gap Protection

You have to take figure out the expected depreciation on the car you are buying and the rate of equity accumulation through your auto loan This will help you figure how big a gap youll have and for how long

Some lenders or leasing companies include the coverage in the agreement for the their own protection This is common in lease contracts The decision to buy gap coverage is easy Deciding who to buy it from is much more difficult

You can get Gap Coverage for your car loan from your Credit Union or another lender online sellers of gap protection or your auto insurance company Each option is different so read on before you decide on an option

On the Internet its easy to explore these options You can go to your favorite search engine like google or yahoo and use the keywords gap protection or auto loan gap coverage Make sure that you check out any company you find on the web before you give them your credit card information You dont want to end up with a provider that wont be there to help you cover the gap in your car loan if something happens

Your Auto Insurance Carrier Not all insurance companies carry gap protection for your car loan Check with your agent Check to see if they already included gap protection in your car loan and how much coverage they gave you You may need more than they offer The cost of gap protection is relative to the value of your car The more expensive the car the more it will cost and the more coverage you need

Also very important to keep in mind Your insurance company or other provider will continue to bill you for gap protection every month Its up to you to calculate and decide when you no longer need it In other words you need to know when you will be out of the hole You need to know when there is no longer a gap between the value of your car and the amount you owe on your car loan

The Automobile Dealer or whoever gave you your car loan is another source for buying gap protection This is done at the time you get your car loan so bring it up right away if you choose this option Some lenders may let you purchase it later but its best if you buy it when getting your loan As soon as you drive the car off the lot it becomes a used car

The cost is normally a onetime charge typically the same set price for all customers buying the same coverage Buyers may roll the fee into the total loan amount and include it in the monthly loan payments Dealerships usually do not have the best rate for gap protection You may want to choose another option The average price for gap protection through auto dealers is about 500 You may be able to get the same protection for your car loan through your credit union or bank for as low as 250

Make sure your gap protection also covers the deductible Look for other features such as automobile replacement or money towards a new car in the event something happens So dont let just price be your guide when choosing who to buy gap protection from

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Title
The Wonders of Soy For Women

Word Count
637

Summary
The humble soybean boasts some extraordinary benefits This nutritional powerhouse has stayed under wraps for too long Apart from being the only vegetable protein with all amino acids essential for our health and well being the humble soybean has many other virtuesincluding an excellent foundation for fast safe weight loss program

Keywords
soydiabetesdiabetickidneydiseasewomenwomenswomenshealthissuesosteoporosisendometriosisweightlosslosedietbeansoyaheartdiseasecancermenopauseperi

Article Body
The humble soybean boasts some extraordinary benefits This nutritional powerhouse has stayed under wraps for too long Apart from being the only vegetable protein with all amino acids essential for our health and well being the humble soybean has many other virtuesincluding an excellent foundation for fast safe weight loss program

According to Dr David Heber in The LA Shape Diet women who are on a weight loss program need about 100 grams of protein per day to fight against hunger and to build their best personal lean muscle shape whilst still losing weight Without the appropriate level of protein in a low calorie diet people and women in particular risk losing 1 pound of muscle for every 4 pounds of weight lost This potential muscle loss can be very dangerous as it can cause a weakening of the heart and other vital organs

Dr Heber recommends soyprotein shakes or soyprotein fruit smoothies as a safe and healthy way to achieve fast and permanent weight loss Apart from some absolutely wonderful health advantages soy is a safe protein source without the unwanted cholesterol and saturated fats that accompany animal protein sources Soy will support and does not sabotage a low calorie weight loss program

Read on to discover some other wonderful health benefits of this incredible this food source

b1 Soy contains health enhancing isoflavonesb Isoflavones are compounds found only in plants which have strong antioxidant properties These compounds repair and help prevent damage to cells caused by pollution sunlight and normal body processes Free radicals can easily cause harm to the immune system whose cells divide often They may also be responsible for some of the changes of aging

b2 Reduce risk of heart diseaseb Soys protein and isoflavones lower LDL cholesterol and decrease blood clotting which reduces the risk of heart attack and stroke In one study people who drank a milk shake containing 25g of soy protein for nine weeks experienced on average a 5 reduction in LDL cholesterol And people with the highest LDL levels experienced a 11 drop For each 10 to 15 drop in the LDL level the risk of a heart attack decreases 20 to 25

b3 Protection against cancer bSoys soluble fiber protects the body from many digestive related cancers such as colon and rectal cancer While its isoflavones may protect the body from many hormone related cancers like breast endometrial uterine and prostate cancer Isoflavones act against cancer cells in a way similar to many common cancertreating drugs

b4 Counter the effects of endometriosis bThe isoflavones in soy products may help to offset the action of the bodys natural estrogen which is often responsible for instigating the monthly pain heavy bleeding and other symptoms of endometriosis

b5 Guard against osteoporosis bSoys protein enhances the bodys ability to retain and better absorb calcium in the bones while its isoflavones slow bone loss and inhibit bone breakdown which helps prevent osteoporosis There is evidence to suggest that isoflavones may also assist in creating new bone

b6 Control symptoms of menopause and perimenopause bSoys isoflavones help the body regulate estrogen when this hormone is declining or fluctuating which helps alleviate many menopausal and PMS symptoms Research has shown that soy isoflavones can reduce menopausal hot flushes in women

b7 Help control diabetic conditions and kidney disease bSoys protein and soluble fiber help regulate glucose levels and kidney filtration which helps control diabetic conditions and kidney disease

What an incredible little bean With such profound health benefits how can you overlook this wonderful food source If you havent yet noticed gone are the days when the only way soy products came were in strange tasting meat substitutes You can now access a wide range of soy products and use soy in a variety of ways to suit any taste palate

c 2004 Kim Beardsmore

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