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The Health Benefits Of Antioxidant Fruits

It has been proved beyond doubt that antioxidant fruits are beneficial to health and well-being. However all antioxidant fruits do not provide the same level of health benefits. It could be said that some antioxidant fruits are more equal than others. They have a higher percentage of antioxidants and offer more health benefits than some of the other fruits. Some fruits may offer you nutrients along with antioxidant properties, while other fruit may have only vitamins.

The human body is designed to derive its energy requirements by utilizing oxygen as well as nutrients as fuel. However oxygen, though it does provide a lot of benefits and has a lot of positive effects, could possibly be accompanied by a negative ripple effect. When oxygen is processed in the body by a process known as oxidation, there is a simultaneous production of oxygen byproducts known as free radicals. The highly reactive free radicals may cause a certain amount of damage to cells. The antioxidant substances that are present in antioxidant fruits work by neutralizing these free radicals. In this process they are prevented from causing any damage.

The Benefits of Antioxidant Fruits

With so much being said in recent times about antioxidants and health benefits they provide people are becoming more and more aware of this radical substance. By now everybody knows that citrus fruits are rich in Vitamin C and apples have a high beta-carotene content. A daily diet that focuses on a high consumption of antioxidants helps give the body a stronger defense mechanism in its fight against free radicals and consequently oxidative stress, which is damage that free radicals cause. Many scientists have linked the process of oxidative stress to the development of degenerative and chronic diseases including cancer and heart disease.

Including cereals, vegetables and fruit in your diet give you additional benefits that you would not get if you took antioxidant supplements. Scientists suspect that this could be due to the fact that the consumption of antioxidant fruits in the form of food probably creates a combination of antioxidant substances that are lesser known but just as potent. These antioxidant combinations would probably have an effect that was far greater than that provided by any individual antioxidant supplement or any single nutrient.

In one of the recent Journal of Nutrition issues, the analysis of the antioxidant content of many different antioxidant fruits was published. According to the charts, strawberries, sour cherries, blue berries, crowberries, black currants, raspberries and black berries had the highest antioxidant content of all fruit in the berry family. Other important antioxidant fruits include grapefruit, plum, pomegranates, kiwi, lemon, orange, grape, dates, pineapple and Clementine. Broad beans were first in the list in the legume category, whereas walnuts occupied first place in the nuts category and sunflower seeds were second. Other foods that are rich in antioxidants include barley, red beets, kale, corn, red cabbage, ginger, chili pepper and millet.

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Antioxidant Rich Foods

Some of the most unexpected foods have been found to have high levels of antioxidants. While everybody knows that blueberries are a powerhouse of antioxidants, very few people know that the humble bean could also have equally high levels of antioxidants.

New studies that are being done suggest that in the imminent future beans way well be on their way to joining the family of foods that are rich in antioxidants. Some of the other foods in this group include potatoes, spices and berries. Very advanced analyses have been done recently on foods rich in antioxidants. These show that some of the most unlikely vegetables and fruits contain the presence of high levels of disease-fighting antioxidants. Some of these foods include Russet potato, artichokes and beans.

Particularly interesting is the fact that small red beans were found by researchers to be among the top of the list in the bean category of antioxidant-rich foods. As a matter of fact, it was found that these beans had a higher level of disease fighting antioxidants as compared to cultivated as well as wild blueberries combined. Blueberries have, down the ages, been known for their rich antioxidant content and of late they have been given even more importance with so much focus on free radicals and antioxidants. However it appears that the small red bean is all set to upstage the spotlight from blueberries.

The study also focused on other foods that are rich in antioxidants. Some of these foods included nuts as well spices such as oregano, cinnamon and ground cloves. The reason why their antioxidant benefits are not so evident is that we tend to eat these foods in much smaller quantities than vegetables and fruits.

Employing updated technology, the study assessed the antioxidant level in over 100 foods including nuts, cereals, fruits, spices, breads and vegetables. The antioxidant concentration was analyzed and each food was given a ranking that was based on the percentage of antioxidant per serving size.

Amongst all the fruits that were studied blackberries, blueberries and cranberries earned the highest ranking. Artichokes, Russet potatoes and beans were top ranked amongst all the vegetables. In the nut category it was hazelnuts, walnuts and pecans that were ranked highest in antioxidant content and in the spice category it was oregano, cinnamon and ground cloves.

Researchers have however noted that the potential health benefits of antioxidant-rich foods are not always totally dependent on the antioxidant capacity of that food. The process of absorption and digestion play an equally important role in determining the health benefits of any antioxidant.

Recently antioxidant rich foods are being given credit for helping cure or at least prevent a majority of diseases that are suspected to have resulted because of the attack of the free radicals on normal, healthy cells. This destruction of free radicals by antioxidants helps stop the ‘free radical chain’ reaction and also repairs cells that are damaged. Antioxidants appear to have some link to the treatment of various ailments such as Alzheimer’s, heart disease, Parkinson’s disease and cancer.

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Anti Aging Antioxidants

Extensive studies have been done on cell division in the human body and these show that cells can divide for a certain fixed number of times during the lifetime of a human being. Based on these studies scientists have concluded that most of the cells in the body will have finished using about 50% of their quota of cell-divisions by the time a person reaches the age of 20. Furthermore, by the time a person reaches the age of 40, the cells will have used up about 70% of their cell-division quota and have just 30% remaining. This explains why a person undergoes the physical changes that they do on the outside as well as the inside of the body as they age.

When these cells eventually use up the cell divisions that were naturally allotted to them, it results in the death of the person. This is an unavoidable occurrence that cannot be stopped. However scientists have discovered a way that this process may be retarded. Researchers have raised everyone’s hope by finally succeeded in finding a way to rejuvenate the lifespan of the cells and rejuvenate them.

So what are the causes of aging?

In recent days a large amount of scientific research is focused on trying to find a solution to the age-old dilemma of aging. From these studies it appears that the main culprits are free radicals- the higher the number of radicals that are present in your body, the more rapidly your body ages.

Free radicals are unstable, harmful substances that are a product of oxidation, a process that occurs naturally in the body. By themselves free radicals do not cause any harm. In fact, free radicals could benefit your body in some ways. The only problem with them is that they are incapable of distinguishing between harmful molecules and unhealthy molecules. This means that the possibility is very high that your healthy cells could also be attacked by them, causing massive tissue damage as well as cellular damage. This could eventually result in various chronic disorders or diseases, including aging.

Anti Aging Antioxidants – The Answer to Aging

The anti-aging-oxidants discovery has finally given Scientists a breakthrough in their continuous search to find the perfect solution to aging. Anti aging antioxidants are very distinct substances whole only function is acting on free radicals and preventing them from causing any damage to cell tissues. Though anti aging antioxidants substances that occur naturally, the body is incapable of producing them without any help. In fact human beings are dependant on plants for getting their supply of anti aging antioxidants.

Vegetables such as carrots, squash, potatoes, cabbages and cauliflower are the main sources of vitamins that behave like anti aging antioxidants.

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Your Credit Score

If you have not heard of fair Isaac Corporation, you will soon because it is the most widely used software calculator. They use a new, unique mathematical formula developed by the corporation and report to the three major credit agencies.

Your credit score will determine the type of financing you will obtain or not obtain. You may obtain financing but at a higher rate.

The company reserves the right to disclose how the information is formulated and will reveal this information at a later date. However, they have stated it is based on a formula which takes into consideration the longevity and payment history. Everyone is evaluated on a case by case basis.

If you are interested in learning more about FICO, you may want to contact them directly and request more information. There are some companies that will look at the ‘whole person’ rather than numbers and scores.

There are ways that you can work on improving your score. You may want to look at these closely as there are ways that you can improve your score.

The first step is to get a copy of your report and study it! If there are any errors, work on getting them correctly. Contact the agency directly and let them know. If they do not respond or fix it, send them a letter.

Of course, you need to pay your bills on time. If you are not able to, call your creditor and let them know why. Most creditors are willing to work with you if you let them know what is going on.

You may want to purchase a short term loan and pay it back immediately. This will help improve your credit score.

Keep your balance below the limit. If you have a limit of $10,000.00 try to keep your balance low at all times, around $2,000.00 this will show that you are responsible with money, and are able to manage your money.

Shop around for lower interest cards. You can always transfer your balance to another card with a lower interest rate. This will help you because you will pay a lower interest rate.

Creditors like to examine and consider your overall credit value which is dependent upon whether you pay your bills responsibly, how long you have lived at your address, and what your overall credit history is and has been.

It is best to use your credit card for an emergency. This is the best way to think of credit cards and then in turn, pay it off as soon as possible.

Keep in mind that it is in your best interest to work on improving your credit score, so that you will pay lower interest rates and can obtain credit when you need it.

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How To Repair Your Credit Score

You have most likely been inundated with credit card information, credit information and ways to repair your credit. There are many advertisers stating that they can repair your credit and help improve your score. You most likely have received flyers and brochures in the mail that advertise these services. The internet has a multitude of websites advertising credit repair companies and credit information and services. It sounds hard to believe, doesn’t it?

Well it may be. The federal trade Commission is involved and they have released a statement stating that essentially, if it sounds too good to be true, then it is not! They will charge you upfront anywhere from $50.00 to thousands of dollars and then disappear!

It is a scam and they are attempting to warn people about it. If you have credit problems, the last thing you need to pay this kind of money for nothing.

Keep in mind, that there is no quick fix to improve your credit score or improve your credit history. Most likely, if a company is advertising that they can do this, it is a scam. So proceed with caution. There are ways that you can work on improving your credit score. It does take a great deal of effort on your part, but you can do it.

If you do not have the time and are interested in getting help from a credit repair company, take some precautions. Check out the company first to see if there are any complaints listed at the Attorney Generals office, Better Business Bureau or Consumer Rights Agency. If there are complaints, then chances are this company is not reputable.

Be on alert for grandiose statements like they can erase your bad credit history, or improve your credit score overnight. This is illegal so you most certainly do not want to request their help.

The credit repair company should only charge you a small amount of money. If they ask for a lot of money up front, beware! Sure, they may offer guarantees, but they may disappear and you will never be able to find them to obtain that guarantee!

Keep in mind, that there are honorable agencies and clinics that will help you. Many of them offer advice and free services. However, there have been many fraudulent companies and most states have very strict laws now about operating practices. There are now agencies in place that are investigating these credit repair companies to assure that they are advertising what their actual services are and are truly legitimate.

Take the time to investigate a company thoroughly before paying them to assure that they are a legitimate, reputable company. Make sure you know what your rights are.

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Where Are You On The Credit Score Range?

There is a range used to define credit scores that the credit bureaus use. The score can be between 300 and around 850. The Fair Isaac Corporation uses the same type of scoring system.

The range is quite diverse. You will want to have a higher number such as 700-800 so that you can obtain credit easily. If you have a very low score such as 300, you will have a great deal of difficulty obtaining credit.

However, take this information with a grain of salt. The score does not provide the entire picture. Most creditors look at a multitude of variables before making a decision about credit worthiness.

If you have a good credit score of about 700 or higher you are considered an excellent risk and will most likely be granted credit with very low interest rates.

Even if you have a score in the 600 range, you should not have any trouble obtaining credit. You should not have to pay high interest rates for a loan.

The range of 600 to 680 is considered average. The majority of people across the country have this range. You will most likely obtain credit approval but may have stricter rules and standards for the loan.

A low credit score is a bit more complicated. If you have a score below 600, you certainly can get a loan but at a higher interest rate. There are certainly lending institutions that will offer you loans, but they will be on their terms. You may feel like they have all the power, and actually they do because they can deny you credit.

If you have a very low score you may have some trouble obtaining credit but, you will most likely find a lending institution that will lend you money, or give you credit, for a price. A very high price! You may think, is it worth it?

It may not be. You may want to wait and save your money rather than borrowing from them. Or, you may want to improve your credit by borrowing from them and paying them back right away, so you do not end up paying high interest charges.

Or, you may want to pay more than what the monthly requirement is. The credit card company mostly likely will keep track of the payments you make and will hopefully take notice when you pay more than just the minimum requested. You want to show them you deserve more credit since you voluntarily pay more than you would have to and that you are a good credit risk.

Some people say that credit cards are a necessary evil because you never know when you may have an emergency and not have any money.

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How To Improve Your Credit Score

We all get reminders in the mail by the way of a bill to make our monthly payments. The monthly credit card statement will show our purchases over the last month. Make sure you review it to make sure there are no errors or information that is incorrect. If you are interested in obtaining more credit and apply for a higher limit and are denied, you may want to look at your credit score.

If you have no idea what your credit is, request a copy of your credit report and review it. Make sure all the information is correct. If there are errors you will want to contact the agency and let them know. They will then ask you to submit a letter asking for the information to be corrected and why.

Then check back in 30 days, to make sure the information has been corrected. If not, you will need to write them another letter. This may end up being an involved process because you usually have to write to them several times, before the information is corrected.

There are ways that you can improve your credit rating such as making your payments on time and keeping the balance on your credit cards low. You will need to work on improving your credit card, as there is no quick fix.

If you want to obtain more credit there are ways you can do this .It is best to request a higher limit on your current card rather than collecting more cards. You certainly can collect more cards, but you are still responsible for making those payments and it will not help your credit score.

Most likely the lower your credit score the higher the interest payment. You will end up paying more money. Also you may end up with a lot of credit cards with little to no balances on them which will not help you either. Creditors are looking for history of payments. If you use the card, they want to make sure you are making payments in a timely fashion and are meeting or exceeding the payment requested.

You may want to pay more than the minimum monthly requirement. The credit card company keeps track of your payments and will take note if you are able to pay more than the amount requested. This will demonstrate to them that you deserve more credit because you are choosing to pay more than you have to.

If you continually request an increase in your credit limit and keep getting denied you will need to inquire as to why and what you can do to improve your credit score. You may be surprised by the response as your creditor may have incorrect or outdated information.

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Understanding Your Credit Score

If you are not aware of your credit score and plan on applying for a credit card or buy a house, you will certainly find out your credit score quickly. Your lender will request that information.

Your credit score is based on a variety of elements including your history of making payments, the amount of debt that you have, how long you have obtained credit, if you are a new creditor and the types of credit you have had and used in the past.

The 3 large credit bureaus, Equifax, Trans Union and Experian, manage and formulate the credit scores. Each one has a different means of determining the individual’s overall credit score.

As you know, or will find out your credit score is very important. When a lender is considering loan money to you, they put themselves at risk that you will not pay them back in a timely fashion or at all. However, they are collecting interest, which is essentially how they are paid back.

So the creditor is investigating you to determine if you are a good credit risk or not. They will request your credit score and then make that determination.

If you have a low credit score you will pay a higher interest rate and you will have a harder time obtaining credit. However, a high credit score will mean lower rates and low monthly payments.

Credit scores are an easy way for lenders to obtain a lot of information about quickly so that they can make a fast decision. If you are applying for a loan, you will certainly want to know as quickly as possible if you are approved or not.

The object is to keep credit scoring objective free. So decisions are not made based on a person’s sex, religion or other factors which may be perceived as discriminatory.

This helps streamline the process and make it quick and relatively painless for everyone involved.

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Checking Your Credit Score

If you are trying to obtain a car loan or buying a house, you will want to make sure you know what your credit score is. The decision regarding whether you will obtain credit and your interest rate will most likely be determined by your credit score.

You will want to check your credit score on a regular basis to assure that the information is correct. The lenders want a concise brief overview of your credit history in order to determine if you are a good credit risk. The credit score provides this information. The higher your credit score, the better off you are as far as being approved for a loan and paying a lower interest rate.

The Fair Isaac Corporation has devised a calculator to assess all of the information and then to make the determination about the credit score. The three major credit agencies use this information. However, sometimes the information is inaccurate so make sure you regularly check your credit information to assure the information is current and correct.

However, your credit score is not the only information that creditors look at. They will also look at how long you have lived at your current address, salary, how long you have been at your current job, bill paying history and the amount of debt that you have.

The Fair Isaac Corporation gives each one of these factors a percentage and then the combination is your score. The scores range between 300 and 800. The higher your score, the better credit rating you have.

If you are interested in checking your credit score, ask for a copy of your credit report. If there are errors on the report, contact the credit bureau and let them know. Then recheck your report again in a few weeks. If the information has not been corrected, submit something to them in writing and ask them to respond or to correct the error.

It is not uncommon to find errors. Once you review it, you may be surprised by what you find. You may find out dated information, inaccurate information and partial reports. Your creditors may follow up with them on a semi regular basis and the information may not be current.

Once you review the information, you may want to contact them directly with questions. There are also agencies that offer free services to assist you with negotiating with the creditors to reduce your payments and to discuss payment options.

Most creditors will work with you if you have extenuating circumstances and may need more time to pay off the debt or to negotiate a settlement. Try to work with your creditors so that you are able to improve your score and hopefully, lower your interest rates.

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Understanding Your Beacon Credit Score

There are three major credit reporting agencies which are Equifax, Experian and Transunion. They all have different formulas that they use to determine credit scores. The beacon credit score is detailed in the Equifax report. It is a program that uses statistics to compare scores and assess account performances.

Fair Isaac Company uses a software program to determine these scores. The higher your credit score, the better. The range is between 300 to 800. Most consumers have an average score of approximately 600.

If you are applying for credit, you will want a response as quickly as possible. This system allows for quick decisions because all of the data is compiled and combined into a credit score.

They look at a variety of factors including your credit history, how long you have been at your current job, salary, how long you have been at your current address and amount of outstanding debt. If you are not sure what your credit score is, you need to request a copy of your credit report.

If you have been denied credit, the Equal Credit Opportunity Act states that the creditor has to notify you as to why you are being denied credit. If there is any information that is incorrect you will want to contact that creditor and correct the information.

If you have been denied credit ask for additional information such as if a credit score was used. Inquire as to the factors that entered into their decision. You may want to ask for advice from them as to what you can do to obtain credit from them. If you are approved, ask them if you are receiving the best terms or rates, and if the rate can be lowered in the future if you pay in a timely fashion.

Keep in mind that if you have a low credit score, you may be denied credit or will have pay a higher interest rate. So essentially, a low score is going to cost you more.

Creditors want to be paid back with interest. It is as simple as that. However, some people borrow money and then disappear or file bankruptcy and then creditors lose out. They want to be able to find you if you owe them money.

You can negotiate with creditors. If you owe a creditor a lot of money, ask if they will reduce the amount you owe if you pay them back in a lump sum. Or let them know if you lost your job or suffered a pay cut, and are just getting back on your feet. It is to the creditor’s advantage to work with you so that you are able to pay them back.

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