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[C742]Clipse Kinda Like A Big Deal

by Dr Richard Prather, Dr

Antioxidants are substances in our foods which can help prevent or slow oxidative damage to our body. Our body naturally produces free radicals (by-products), after our cells use oxygen, which can cause damage. Antioxidants act as "free radical scavengers" and hence help prevent and repair damage done by these free radicals.

Health problems such as heart disease, diabetes, cancer, macular degeneration are all thought to be contributed by free radical damage. Antioxidants may also enhance immune defense and therefore help lower the risk of cancer and infection.

Until more studies are done, it is best to get your antioxidants from a diet rich in fruits and vegetables rather than from supplements. Taking supplements in high doses can be harmful. No single antioxidant alone can protect the body. Most people should eat 5 to 9 servings of fruits and vegetables each day.

Now what if I told you there is a product that allows you to get 10 servings of varied fruits, vegetables, herbs and mushrooms and another product, made up of many different berries, that delivers a staggering 4,500 + on the O.R.A.C scale. Would you have enough interest to want to learn more? I would hope so, because your health is YOURS and it is up to you to feed your body the best possible nutrition you can. If only people would treat their bodies as well as they treat their cars, we would not be in this obesity epidemic.

What you put into your body DOES matter. If you want a sluggish body, go ahead and fill it with fast food, but if you want a revved up body you must feed it the proper nutrients. The bottom line is this, you are what you eat.

Antioxidants play a vital role in your bodies overall health & wellness. Free radical damage is being linked to many disease processes, so if you can help your body by ingesting more antioxidant rich foods, why wouldn't you? An ounce of prevention is worth a pound of cure!

In my medical practice, one of the first topics covered about Health & Wellness is the necessity of good nutrition. True Health & Wellness cannot be met without proper supplementation. Our soil lacks the vitamins and minerals it once had, our food processing manufacturers remove important nutrients, and our fast paced lives prevent us from getting good nutrients. What are we to do? You have to look for alternatives, at Ultra International; we feel we have created the best products to meet the needs of our busy lives.

Take the time to visit: www.myui.com/lscg to learn more about these revolutionary products. It is never too late to get your health back. Think It, Feel It, Live It. Mind Body & Soul

How an ARM works:
An ARM is a loan program that has a fluctuating interest rate. This type of loan begins at a low rate of interest and will adjust every six months or every year. The rate of adjustment is based on the index plus margin. The margin is established by the lender and it can be anywhere from 0% to 3% (or more). The margin is set and does not change for the life of the loan. What changes is the index.

An index is a rate recognized by financial markets and published by a neutral party. Below are descriptions of some of the most common indexes used:

11th District Cost of Funds Index (COFI): This index is a weighted average of the interest that banks pay on money they borrow which is mainly from customers checking and savings accounts. If you have ever examined the interest rate you have on your savings account, you know that the rate moves slowly. The same is with this index, it moves up and down at a slow pace.

Monthly Treasury Average (MTA or MAT): Just as the name reflects, this index is based on the 12 month treasury average. These rates also move slowly.

London Interbank Offered Rate (LIBOR): LIBOR is the rate that London banks pay to borrow money. This index fluctuates more than the COFI and MTA/MAT.

To find out about additional indexes such as the CODI, COSI, and others, visit http://mortgage-x.com/general/indexes/.

Lets say you were to get an ARM based on the MTA index and the lender gives you a margin of 2.3, your rate would be as follows:

2.347 (MTA index) + 2.3 = 4.647%

Types of ARMs
There are many types of ARM programs available. For example, you may have heard the term, 5/1 ARM. What this means is that the interest rate is fixed for 5 years and then adjusts every year after. There are ARMs fixed for 6 months, 1 year, 3 years, 5 years and 7 years.

Another feature that many ARMs have is an interest only option. Each month you can make the principal plus interest payment or just a payment on the interest. For example, if you had a loan balance of $200,000 and you had a 5.5% interest rate, the interest only payment would be $916.67 ($200,000 multiplied by 5.5%, then divided by 12 months).

There is also the Option ARM that gives even more choices each month. An Option ARM is also commonly referred to as COFI, COSI, or Pick a Payment loan. With an Option ARM, you have an initial start rate that is fixed for 1 or 3 months. After that initial period, each month you are given four different payment options: a minimum payment, interest only, 15-year amortizing payment or 30-year amortizing payment. This type of loan program is great for someone who needs a flexible monthly payment. Here is an example of what the monthly options would look like:

Based on loan balance of $200,000, start rate 1%, MTA index and 2.3% margin:

Fully Indexed Rate: 4.647% (index + margin)
Minimum Payment: $643.28
Interest Only Payment: $774.50
30-Year Amortizing Payment: $1,030.91 (includes principal + interest)
15-Year Amortizing Payment: $1,545.05 (includes principal + interest)

An ARM is attractive for many reasons. The interest rates on these loans are lower than the standard 15-year and 30-year mortgage rates. An ARM also allows a borrower to qualify for a higher priced home because the payments are lower. The average person moves or refinances his or her home every five years, so an ARM tends to be good option for savings. However, there is some risk associated with these programs. The interest rates can fluctuate, so if rates rise in the future, so will the ARM payment.

Be sure to consult with your mortgage broker to find out if an ARM is right for you.

Article Source : Antioxidant Vitamins

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Both Dr Richard Prather & Deborah Mcnaughton 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.

Dr Richard Prather has sinced written about articles on various topics from Health, Anti Oxidant and Wellness. I am a practicing chiropractor in Lee's Summit, MO. I have a love for health and healthy living, in fact I am the spokes person for a new healthy living company. I want to help people get their lives back.. Dr Richard Prather's top article generates over 18100 views. to your Favourites.

Deborah Mcnaughton has sinced written about articles on various topics from Debts Loans, Mortgage and Anti Oxidant. Deborah McNaughton is an author and credit expert. She is founder of Financial Victory Institute, which specializes in financial education. Deborah has programs to train individuals to become credit consultants and teach financial seminars. Visit http://w. Deborah Mcnaughton's top article generates over 33100 views. to your Favourites.