Although inflammatory bowel disease (IBD) and irritable bowel syndrome (IBS) can have similar symptoms, they are two very different things. IBD is a group of diseases (like ulcerative colitis or Crohn’s disease) that result in areas of intestinal tissue becoming inflamed because of an improper bodily immune system response....

You’ve probably seen payday loans advertised on television or billboards. High dollar amounts instantly for just a small fee sounds tempting, but you need to know both the advantages and disadvantages to these loan types. Unlike a traditional bank loan, payday loans aren’t based on a credit score, instead...

Irritable-Bowel Syndrome (IBS) is a common condition that mainly affects the intestine causing recurrent left-side abdominal pain, bloating, diarrhea, and/ or constipation. It is often associated with stress, depression, anxiety, or previous intestinal infection. According to doctors, it is common in one in every five Americans. Who should look...

An effective phone system is critically important for the development and growth of a small business. A phone system helps businesses to communicate with customers, suppliers, colleagues, business partners and other stakeholders. Shopping for the most suitable business telephone system is therefore imperative for any business enterprise – whatever...

Running when it’s warm and sunny out is an easy feat. It’s running during the colder months that is the true test of a runner. Instead of sticking to the treadmill for 6 months or giving up running all together, try my personally tested cold weather tips. Figure out...

IRA savings accounts offer a means of saving for retirement without having your funds locked up for a particular period of time. The best IRA savings account aims to offer low fees and excellent investing options over a long-term period. Several people misunderstand how an IRA investment works. Many...

When it comes to saving for retirement, you want to make the best decisions possible. The worst possible scenario is to end up needing more money after you’ve already retired. Should you take advantage of your 401k or should you invest in an IRA? To better understand these terms,...

IRA savings accounts offer a means of saving for retirement without having your funds locked up for a particular period of time. The best IRA savings account aims to offer low fees and excellent investing options over a long-term period. Several people misunderstand how an IRA investment works. Many...

As you grow older, you’ll want to invest your money into an individual retirement arrangement (IRA). These accounts are set up at financial institutions and allow people to save for retirement with tax-free growth. This account is also tax-deferred, which means you won’t be charged taxes on the funds...

A saving account is an all-inclusive term that includes regular savings account and IRA Savings Account. A Roth IRA refers to a savings account where the earnings accrue on tax-deferred basis but they are tax-free in case distributions are qualified. In regular savings accounts, earnings are normally added to...

Refinancing is used as a broad term that indicates paying the costs of one loan using the gained profits from a different loan. Many people use the term refinancing to refer to a substitute of a loan, combined with the second loan for the purpose of saving money Today...

For many people in America and around the globe, owning a home is their top priority. While some people opt to save in order to meet this goal, others explore a number of other options. One of the options adopted by many people is a home loan. Apart from buying...

Fixed-rate mortgages are the most widely used form of home mortgage loans. It is a basic arrangement in which the lender calculates the principal amount, using a single interest rate, and then divides the sum equally over an agreed period of years. The most popular terms are 30-year and...

The Home Affordable Refinance Program (HARP) is a U.S. federal program that began in 2009. The goal of the program is to help struggling homeowners refinance their mortgages. The following is a short history of HARP and how the program continues today. The Crisis After the U.S. housing bubble...

One key factor that you should always put into consideration whenever you are making investment strategies is how the strategies are going to affect your taxes. There are still lots of factors that are involved and need to be kept in mind, and in all this, your least expectations...

Right now might just be the best time for you find a small business loan since 2008’s economic crash. Improved economic conditions and the big increase in competition mean that lenders are now willing to slash most of their rates for good prospective clients. Unfortunately, this doesn’t mean that...

Setting up a small business or startup is a lucrative thought, but not an easy process. While the great American Dream talks about becoming successful regardless of your social standing and background, it doesn’t explain how to find the money to go about doing so! The availability of micro-loans...

Miscarriages are unfortunately a fairly common part of the pregnancy process. Since there are so many different types of miscarriages, as well as several varying factors that can increase your risk, the statistics surrounding miscarriages can be confusing to understand on an individual basis. Here are the most important...

Miscarriage occurs when a pregnancy is suddenly lost before the 20th week. Between 10% and 20% of confirmed pregnancies end in miscarriage, so it is important to be able to recognize the signs and symptoms if it happens to you. Warning Signs of Miscarriage If you start to experience...

Night terrors, or sleep terrors, are a parasomnia, or undesired and abnormal behavior that occurs during sleep. Night terrors are distinctly different from nightmares, although they are such a rare issue that they aren’t well understood and are therefore often mistaken for bad dreams. Here’s a look at how...

It may be an understandably difficult time if you are looking at the prospect of filing for bankruptcy. It is worth remembering, however, that some of the most successful people in history had to file for bankruptcy at some point in their lives: Abraham Lincoln, Thomas Jefferson, and Walt...

Bankruptcy can be a taxing, burdensome process. How does your life change now? These are some of the major ways your life is going to change after filing a Chapter 7 or Chapter 13 bankruptcy case. Credit Card Offers The unfortunate truth of bankruptcy is that creditors use this...

Most of us have downloaded habit-forming apps with the best of intentions. Unfortunately, good intentions don’t equal self-improvement, and now those apps are just taking up space on our phones. If you only get things done when you’re forced, here are 10 apps that have found creative ways to...

When you’re trying to first get a business loan, you need to remember that it’s not nearly as easy as it may seem. If it doesn’t seem easy you’ve caught the idea. Getting a business loan is not going to be simple, you need to be ready when you...

If you are venturing out on your own and starting a new small business, you must be looking for a loan. There are alternatives to banks that people use to borrow money at much lower interest rates than the bank, commonly known as merchant cash advance (MCA). This was...

Congratulations on starting your own business! Now that the hard part is done, you probably need some personal loans to fund your business. There are some great places to get a personal loan (even personal loans with no questions asked) but you probably want to keep debt as low as...

Homeowners considering refinancing of their properties may qualify for an FHA streamlined refinance loan, cash-out refinance loan, or a no-cash refinance loan. According to FHA loan rules, applicants for a new mortgage must meet the eligibility criteria, not be the same party as the original loan, and reside on...

Plaque psoriasis is a painful and potentially embarrassing condition in which the skin produces too many cells. This overproduction leads to patches of thick, scaly skin that flakes and is frequently itchy. It’s possible to regulate the symptoms of plaque psoriasis, but as a chronic condition, it will continue...

Psoriasis Vulgaris, also known as plaque psoriasis, is the most common form of psoriasis. Almost nine out of every ten people suffering from psoriasis have this type of chronic skin condition. Plaque psoriasis usually affects the skin on your elbows, knees, scalp, and lower back. Symptoms Characteristically, plaque psoriasis...

A business phone service can be a great tool for any small business owner who may not yet be large enough to justify the luxury of a receptionist. Trying to decide whether or not a business phone service is worth it? The benefits aren’t just 8-5, they’re 24-7. Using...

Choosing a business phone service can be confusing. To help you out, we’ve rounded up five great options for you. Vonage Offers Solutions For The 21st Century Voice Over Internet Protocol is an important development in communication technology and a great fit for small businesses. Vonage VOIP is non-contract,...

Imagine your workplace is on fire. All of you have made it out to the evacuation point, and you all stand there as you helplessly watch all of your hard-drives crumble. Okay, we’re sorry for filling you with that horrible image. But it could definitely happen because no-one can...

Investment clients often ask about the key to buying and selling mutual funds. The recent shift from bond buying to mutual fund investment reflects policy transition toward a market focused economy. Investment advisors and institutional investors are turning to mutual funds to increase liquidity amid lingering uncertainty. New mutual...

There are different kinds of investment. It doesn’t only mean the stock market or letting your money sit in your bank account. A big bulk of the population invests their money through mutual funds, which is what this article is all about. Mutual funds are defined as a company...

ETF, short for exchange-traded funds, and mutual funds are two more common investment options for individuals looking to diversify their portfolio and increase net worth. Of course, with so many different funds, bonds, and other investment options out there, it can become incredibly difficult to know what the difference...

Dividends are profits that companies share with you if you are a stock shareholder. Dividend mutual funds are stock mutual funds that invest in the companies that pay dividends. Today, mutual funds are a popular investment and something you may be considering. But before investing, you should be aware...

Mutual funds have become a popular way for shareholders to invest money and diversify their portfolio without a lot of effort. Global mutual funds are collections of securities from all over the world that bring a group of people together to invest, and dividends and interest earn income. Here...

We have seen massive growth in smartphone sales over the years, leaving people constantly glued to their screens on social media, playing mobile games, or listening to music. Smartphones have had their fair share of criticism, often being blamed for poor social abilities in real life, but we cannot...

Just when you think the cloud computing is a safe place to put some of your personal stuff, you’d better think again. Yes, cloud based backup might seem like a smart and convenient solution if you want to access your things on another device, or at another location, or you’re running out...

With growing concerns about cost efficiency, security, direct access to information, disaster recovery, scalability, and flexibility, most organizations are looking into hybrid cloud storage solutions today, most of which have the potential to cater to these concerns. Hybrid cloud storage solutions have proven to be major contributors in satisfying...

Almost half of North American web users say they have connected their personal devices to corporate networks. 60% of IT professionals also use cloud-based apps in their work. This is a huge number compared to 10 years ago. Considering the number is increasing in both home and work life,...

Psoriasis is an autoimmune ailment that reveals its self as a skin condition and affects 1-3 % of people. A study revealed that those with the disorder are likely to be at risk of suffering anxiety, having thoughts of suicide and depression. Though it affects your skin, psoriasis starts...

If you’re in the process of starting a new small business and are hoping to open a business checking account, you need to ensure that your own personal finances are in order. If you are one of the millions of people around the US with a poor credit report,...

Diabetes is a condition where the amount of sugar in your blood is in excess because your pancreas doesn’t have enough to regulate the glucose level entering your blood cells or the produced doesn’t function well. You can manage diabetes well by healthy eating habits combined with regular exercises...

Your credit score is always used by lenders to help to determine whether or not any applications you make for personal loans, credit cards, mortgages or any other form of borrowing, will be approved. But how do you find out what it is? We break down how to check...

Consumers should get a copy of their credit report and review it periodically. A good rule is once every four months. One should read the report and notice activity it describes. One should look at it carefully to ensure that it is accurate. Businesses and employers use Credit reports...

For many aging people, pain, cramping or tiredness in legs while walking or climbing stairs may not sound as symptoms of a serious medical condition. In fact, the majority of people believe that they are normal signs of aging. Nevertheless, they can be symptoms of a form of nerve...

Diabetes is a condition that has become the focus of many health experts. Be that as it may, the fact that this condition is caused as a result of sedentary lifestyles makes it easier for it to be managed. One such way is following a diabetes diet. The essence of this...

When it comes to hybrid cloud storage solutions, you should not pick out just any hybrid cloud out there. You need to read the right information so you can make an informed decision. Since the marketplace offers a wide array of hybrid cloud storage solutions, some of us might...

Cloud technology allows us to be more easily connected to our work, which might not sound like a good thing. But if you’re a small business owner, the increased accessibility that cloud technology gives you can be a great asset to you and your employees. Cloud storage makes it...