. Helping the body to produce prostaglandins, which are hormone-like chemicals that regulate blood pressure, heart rate, blood vessel constriction, blood clotting, and the nervous system
. Allowing the fat-soluble vitamins A, D, E, and K to be absorbed by the cells of our bodies
. Helping maintain healthy hair and skin
. Insulating the body and protecting organs
. Providing the pleasant mouth-feel of food and the sense of fullness after meals
Scientists have even determined that simply eating fat doesn't make a person fatter. It's true that since fatty foods taste good and are dense with calories, it can be easy to overeat them. But as long as you don't take in more calories than you use, what matters about fat is the kind of fat you eat. Here are the four kinds of fat:
. Trans fat
. Saturated fat
. Monounsaturated fat
. Polyunsaturated fat
Trans Fats
These fats have been in the news lately because the Department of Health and Human Safety recently announced that, starting in 2006, food product labels will have to include the amount of trans fats that the product contains. Labels already include information about saturated fat, and with the addition of information about trans fats, consumers will be able to make better choices. Like saturated fat, trans fats raise low-density lipoproteins (LDLs, the "bad" cholesterol) in the bloodstream. Even worse, trans fats lower high-density lipoproteins (HDLs, the "good" cholesterol), which is needed to help the body eliminate LDLs.
Trans fats are human-made, created by adding hydrogen to vegetable oil. They are typically solid at room temperature, and you can find them in most margarines, particularly stick margarine, vegetable shortenings, commercial baked goods, like doughnuts, crackers, and cookies, and commercially fried foods, like french fries. Some newer home baking products have packages that say the product has no trans fat. Make sure you read the label, though, because you may find that these products contain a significant amount of saturated fat instead.
Saturated Fats
Saturated fats, like trans fats, are also solid at room temperature. When eaten, they can play a significant role in raising overall cholesterol because they raise both HDLs and LDLs.
Saturated fats come mostly from animal and dairy products like meat and poultry, butter, cheese, whole milk, cream, egg yolks, and lard. You can also find saturated fats in chocolate, coconut and coconut oil, palm oil, palm kernel oil, and many commercial food products.
Monounsaturated Fats
Monounsaturated fats are liquid at room temperature, but may solidify somewhat if stored in a refrigerator. According to the Harvard School of Public Health, monounsaturated fats can help lower LDLs and raise HDLs when eaten in place of carbohydrates.
You can find monounsaturated fats in olives and olive oil, canola oil, avocados, nuts, and peanut oil. If you use these fats in place of trans and saturated fats, you can lower risk of heart disease by reducing cholesterol. Monounsaturated fats also have some antioxidant properties, helping the body resist cell and tissue damage caused by oxidation.
Polyunsaturated Fats
Polyunsaturated fats are liquid at room temperatures and when refrigerated. Like monounsaturated fats, polyunsaturated fats can help lower LDLs and raise HDLs when eaten in place of carbohydrates.
These fats can be found in liquid vegetable oils, like safflower, corn, sunflower, soy, and cottonseed oils, soybeans, and flaxseeds. They can also be found in fatty cold-water fish, like salmon, herring, and mackerel. These fish contains a particular kind of polyunsaturated fat called omega 3 fatty acids. Omega 3 fatty acids help decrease the risk of heart attack, protect against irregular heartbeat, and lower blood pressure.
A Word About Fats and Cholesterol
Dietary fats are not the only contributor to high cholesterol. Smoking, lack of exercise, and heredity also have significant effects on blood cholesterol levels. Because of this, people need to make individual determinations about how to manage the fats in their diets.
Cooking Suggestions
It can be a rewarding challenge to change cooking and eating habits, and here are some suggestions. Afterward, you'll find a couple of recipes to get you started.
. Saute with olive oil or canola oil instead of butter or shortening. Light olive oils have a mild flavor.
. Use olive oil in salad dressings and marinades.
. Use canola oil in baking or experiment with substituting applesauce or prune puree for half the fat in baked recipes.
. Substitute slices of avocado for cheese on sandwiches.
. Choose peanut butters that contain only peanuts and peanut oil.
. Eat fish instead of meat several times a week.
. Snack on a small amount of nuts instead of commercially made chips or crackers.
Facts On Air Pollution
Depending on the bank, the foreclosure process can start right after your first missed payment. The bank will most likely take into account how long you have had your mortgage and what your payment history is. Usually the process will take 6 to 9 months, depending on the amount of foreclosures your bank is dealing with plus how many are happening in your area.
Notice of Default- This is the best time to stop the foreclosure. Contact your bank and let them know you want to avoid foreclosure. They may be able to grant forbearance, which is where they let you go a set amount of time without payments. This is also where you would consider loan modification. Depending on the bank, they may wait until you are three months behind on payments before sending out a notice of default and starting the foreclosure process.
Notice of Acceleration- In the next step, the bank will send out a notice of acceleration. The notice of acceleration will usually arrive a few weeks to a month after you received the notice of default. The time between the notice of default and the notice of acceleration is given to the borrower so you can contact the bank and work with them to avoid foreclosure. Upon receiving the notice of acceleration, you may still have a chance to save your home but you will need to have all of the payments and fees to deliver to the bank. Even if you do this, the bank will most likely want to review your financial situation.
Notice of sale is, quite simply, the date the bank intends to sell your house at public auction at the county courthouse. There is only one method of selling foreclosed homes, on the steps in front of the county courthouse. The notice of sale will have the date and time of the auction. At this point the only way to stop the foreclosure is to file bankruptcy to postpone it, or find a person to buy your house for you.
Auction- Once your house goes up for auction, the only way you are keeping it is if you can find someone to buy it for you, or buy it yourself.
Now there are a few things you need to think about up front. First is that the longer you wait to contact your bank, the worse the situation is going to be. If you are even one payment behind, contact them. Now. If they are trying to contact you, DO NOT IGNORE THEM. It is amazing the numbers of people who ignore their bank's attempts to contact them and work something out. Pretending it isn't happening doesn't work.
Be ready to provide all pertinent financial information, and tell them that you would like to work out an arrangement until you can continue making payments. Also, keep records of any contact you have with your lender: date, time, person spoken with. Just be honest. Don't promise or agree to something if you know you can't do it.
If you and the bank are unable to work out an arrangement, there are people who can help you modify your loan. These are people who are specialists in negotiating with banks and are well informed about the mortgage industry. Everyone has a different situation, so contacting them will get you more information as to what they can do for you. Most have web sites with Loan Modification Free Consultation forms you can simply fill out and get a response within hours.
SO…The lesson learned here is that should you unfortunately fall behind on your mortgage payments, you can still keep your home, if you act with decisiveness.
Both Minh Nguyen, D.d.s. & Dustin Rohde are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
Minh Nguyen, D.d.s. has sinced written about articles on various topics from Food and Drink, Dental Surgery and Bad Breath. For information, visit ">Houston Dentist. SoftDental (. Minh Nguyen, D.d.s.'s top article generates over 18100 views. to your Favourites.
Dustin Rohde has sinced written about articles on various topics from Fitness, Finances and Foreclosure Help. Dustin Rohde is an article contributor to . Legal Loan Bailout connects you with lenders that can help you avoid foreclosure using. Dustin Rohde's top article generates over 1000 views. to your Favourites.
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