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Banks and credit unions should be considered as well. When banks provide loans to first time car buyers, they provide the loans on their own terms. In some cases, banks may offer cheaper interest rates. If a bank does this, consider taking the bank’s offer to the dealership; the salesperson at the car dealership may lower the dealership’s offer if the bank’s offer is better. A credit union is a great way to finance a car as well.
Another option is using a captive financing company. These types of companies are agents of the car manufacturers. Captive auto companies have one purpose, and that purpose is getting buyers into the vehicles that are offered by the auto company.
First time car buyers that may get a big financial windfall in the future should consider a balloon payment loan. When this method is used, the payments each month will be lower. However, although the payments will be less, the company will need a big payment once the loan term ends.
A secured car loan is a loan that is backed by different types of collateral, such as another vehicle or general property. Because this loan uses collateral, the interest rates are often lower. When first time buyers use their current driving vehicles as collateral, they use an auto pawn loan. However, using this particular type of loan has some major risks. The payments can have multiple loan segments, and the debt and interest could increase.
Long term car loans give buyers a much lower monthly payment; however, the loan takes longer to pay. The usual amount of time it takes to completely pay a long term car loan is about seven years. This has some minor risks as the buyer may end up paying more than the vehicle is worth. Overall, there are many car financing options for first time buyers. Consider the best method based on the financial situation.
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Add a pinch of salt to 8 oz. of water and drink it slowly. If you’re sick or you’ve worked out for more than 40 minutes, this is a quick way to get sodium to absorb into your system.
Eat a banana to replace lost potassium electrolytes. Pack one and take it with you to the gym. Drink a glass of water with it to help with absorption and digestion. You can also slice up some watermelon and eat it when your energy level starts to dip. Watermelon combats dehydration and is also high in potassium.
Pick up a sports drink if you want to replace lost electrolytes quickly. Look for an isotonic sports drink with a higher carbohydrate count, like PowerBar drink or Lucozade Sport for long workouts. Try a hypotonic, low-carb sports drink like AriZona Hypotonic Performance Sports Drink if you’re feeling especially dehydrated, nauseous or tired, as it absorbs even faster than an isotonic drink. If you’re working out for more than a couple of hours or exercising in excessive heat, choose a hypertonic sports drink (contains more carbohydrates than the others) like Ultra or Original Lucozade.
Save money and make your own sports drink to replace lost electrolytes. Add 1/4 tsp. salt, 1/4 tsp. baking soda, 1/2 cup orange juice, 2 tbsp. sugar and mix with 1 liter of water. Don’t skip any of the ingredients–the orange juice may seem like too much sugar but it actually replaces lost potassium.
Hit your local sporting goods store and pick up a sports gel or an electrolyte strip that dissolves under your tongue. Gatorade, Enlyten and Innozen are examples of popular brands. Check the ingredients to make sure you’re getting plenty of potassium and a small does of sodium.
Find natural coconut water at a health foods store and drink it. Coconut water is refreshing, hydrating and it provides you with a hearty dose of potassium.
Replace magnesium by eating broccoli, tofu, halibut or spinach. Get a quick calcium boost by eating a cup of yogurt, 2 oz. of low-fat cheese or a glass of milk.
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If you experience extreme symptoms of electrolyte imbalance such as confusion or a prolonged irregular heartbeat, see your doctor immediately.
A former cheerleader was in Sochi on a job — a job that she thought was legit. It turns out, however, that she almost became a part of a sex trafficking ring. On Feb. 25, Mail Online reported that Brittney Cason was approached by a company that she thought was a talent agency. She interviewed with the company for four months, thinking that she was going to go to Sochi and cover the Olympics for them — a job of a lifetime, really. Turns out, it was all a set up. Cason said that the company’s want for her to bring “friends” along and their willingness to hand out visas alerted her that something wasn’t right.
The cheerleader knew this Sochi job was curious. “I spent four months applying and interviewing and he’s sending my friend a work visa without even seeing her work? Now, my friend is really talented, but wanting her passport and social security number before her reel (reporting and presenting clips) just seemed fishy to me,” Cason said.
And so the FBI got involved and Cason never made it to Sochi — and she’s lucky that she didn’t end up getting on a plane. “So many of the stories I’ve heard from survivors start with ‘I was hired for a modelling job,'” said Cason, clearly realizing that she could have been in a serious predicament had she flown to Sochi.
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Thigh fat isn’t an issue for everyone. Some people have firm thighs naturally. Others bemoan the extra cushion carried in their thighs. So what makes the difference?
Two main body types determine where a person carries fat. An apple shape carries it in the abdomen area, while a pear shape carries it in the thighs and buttocks. The good news is that pear shapes are less prone to certain health issues. The bad news is that fat is fat, regardless. Thus, barring the use of modern treatments such as liposuction, thigh fat must be decreased with diet and exercise.
Eat healthy foods. Reduce fat intake, eat less fried food, avoid processed carbohydrates such as white sugar and flour, and reduce alcohol consumption. Add more fruits, vegetables and other naturally healthy foods such as beans and legumes.
Burn calories. You must burn more calories than you eat in order to reduce fat. Exercise and also watch your calorie consumption.
Increase fiber intake. Fiber helps to reduce appetite by making you feel full. When you feel less hungry, you are able to eat less without feeling deprived.
Target all muscle groups in the thighs when doing exercises specific to the thighs. Front, back, inside and outside muscles are all used in different ways. Though squats, kicks, lunges, leg lifts and other thigh-specific exercises help to build muscle and reduce fat, targeting all muscle groups will develop thighs uniformly.
Do a whole-body workout. A balanced approach will help to ensure that fat is lost and that you are not just gaining muscle under that thigh fat.
Know that you are not alone. Millions of people have decreased their thigh fat successfully. You can too.
Consult your doctor. Although more natural methods are generally preferred, some do opt for surgical procedures. Though this is a choice for some, it is generally considered to be a last resort and is not the cure.
Tuesday night ABC’s “The Bachelor 2014” will show Juan Pablo Galavis go on his overnight dates in St. Lucia. There have been “The Bachelor” spoilers available for episode 18×9, but on Feb. 25 Reality Steve’s Juan Pablo spoilers connected all of the dots that had previously been missing. Just what goes down after the fantasy suite overnights?
“The Bachelor” spoilers indicate that Juan Pablo Galavis will have Clare Crawley’s date first, then Andi Dorfman’s, then Nikki Ferrell’s. Though the previews make it seem that things are disasterous during Juan Pablo and Andi’s date, Reality Steve’s spoilers indicate that things seemingly go fine during the date. The chaos comes when Juan Pablo goes to watch the videos each of the final three make for him.
Clare and Nikki’s videos are traditional fare about how strongly they feel for Juan Pablo. Andi’s, however, brings a first for the franchise. She says that she’s done a lot of thinking, and she thinks the two of them should talk in person. Next, viewers see Andi walking to meet Juan Pablo.
“The Bachelor” spoilers from Reality Steve indicate that Dorfman has a number of things she is upset about. She says that he essentially told her that she’s a default pick, though he apparently says he didn’t say that and doesn’t know what she means. However, Galavis did seem to lay the groundwork for this one in his blog for People this week. He said he almost took Renee over Andi to the overnight dates, and it seems during the fantasy date he clues her in on this. Most would say that was probably a big mistake.
Andi also says that she didn’t like how Juan Pablo had talked about already having had his date with Clare. When he says he’s just being honest, she says, “That’s not being honest, that’s you being an a**hole.” Dorfman also says that Juan Pablo talks about himself all of the time and showed very little interest in getting to know her. Andi says she’s not in love with him, and she decides to leave.
There will be a rose ceremony in Tuesday’s episode, but the final two are already determined at this point. Clare Crawley and Nikki Ferrell will both accept roses from Juan Pablo, cementing his final two for the season. Though Reality Steve’s spoilers say things aren’t nearly as dramatic between Juan Pablo and Andi as the previews suggest, it does sound like it’ll be a juicy exchange.
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