Abusive Lending Schemes

There are two main types of abusive lending schemes that laws seek to regulate, namely predatory lending and usury. These types of lending schemes can be present whether one is obtaining a personal or commercial loan. The first type involves a false show of generosity where the lender grants loans to the borrower until the latter is placed at a completely helpless situation against the lender such that the lender is free to raise interests or take the borrower’s properties in as payment of the loan. Such kinds of lenders are sometimes referred to as loan sharks.

Usury, on the other hand, is one where the lender charges interests that are excessive. Before laws were passed regulating this lending abuse scheme, opportunistic lenders would charge usurious interest rates until the borrower loses all his properties and become even poorer than when the loan was first obtained. Today, some countries have passed legislations regulating imposition of interest rates on loans granted by both private individual lenders as well as banks. In some jurisdictions the imposition of extremely high interest rates may not be prohibited by any law but the same may be questioned in courts as being unconscionable or “shocking to the senses.”

Trivia Info Resource: www.hsbc.co.om

Most Common Food During Funerals

Funerals are one of the events when it is least expected to enjoy the food we eat. However, it is still advisable to serve good food during this time as many people really need it though they do not feel like eating. Below are some of the most common food served during funerals.

- Sandwiches. This is the easiest to prepare and serve. Most people prefer sandwiches during funerals mainly because they no longer have enough time to prepare for something more complicated.

- Chicken & pasta. This is usually prepared for the young ones. However, during funerals, this dish is also served as it is known to be one of the food choices that provides a comforting feeling when eaten.

- Soup. Just like chicken and pasta, soups are also give a feeling of comfort especially during the sad times. Having something hot for your stomach when you need warmth is really comforting.

Trivia Info Resource: 1762.ae

Some Facts About Some Fruits

There are a lot of different kinds of fruits that you can see today. And depending on the season, these fruits can be abundant in your local supermarket. And so, it pays to know some facts about some fruits.

Bananas

- Bananas are very easy to digest, hence, they are among the first fruits given to babies.

- Bananas contain a natural antacid.

Apples

- Apples can be used as a tonic for oily skin.

- Apples are great for minimizing wrinkles.

Pineapples

- Pineapples are considered as berries.

- Pineapples contain enzymes used in blood tests.

Oranges

- The juiciest oranges are found in Florida.

- Oranges have antioxidants that are good for damages and aged skin.

Trivia Info Resource: 180nutrition.com.au

Common Types Of Interior Ceiling Finish Problems

When you are interested to purchase a pre-owned property, there are certain parts or areas inside it that you need inspect or have professionally evaluated before investing in it. One of these important parts includes the ceiling.

The Usual Interior Ceiling Finish Problems

Below are the usual types of interior ceiling finish problems that you have to look for when you want to buy a pre-owned property:

Water damage. This is one of the most common problems on interior finishes of ceilings. The usual water sources that show up as ceiling leaks or leak stains include roof and flashing leaks, ice damming, condensation, window and skylight leaks, leaks from hot water heating  and plumbing systems. These damages, or stains, may also result from room humidifiers or dehumidifiers, and other sources of high interior water or moisture levels.

Moulds. A large reservoir of contiguous indoor moulds on the ceiling is a clear sign of a health hazard for building occupants. Small mouldy areas however may be of no significant health concern. They can be easily cleaned or removed by a handyman or even the property owners themselves.

Roof truss uplift. Nail pops are usually found in some building ceilings and actual tears or cracks at the wall or ceiling juncture at building walls found under the centre of certain roof trusses. This is due to the moisture and temperature differences between the truss bottom chord and upper members and they cause the truss to arch.

Info source: www.bpibrisbane.com.au

The Origin Of Using Green Tea

Today, the use of green tea is already very popular not only for health reasons but for beauty as well. However, not many people actually know the history or origin of using green tea. Although many people know that people in China were the first ones to  use it, it is not very clear how those people came to discover green tea’s health benefits.

Just like the history of coffee, green tea leaves were actually chewed and eaten fresh. And as the time goes by, more and more people are eating green tea leaves and began to use them when cooking. They have found out that boiling the leaves of green tea do not add flavour to their drinking water but it provides many health benefits.

The use of green tea was recorded way back 3000 years ago in southwest China. However, it was in the early 1900’s that the use of green tea became popular in many other countries.

Trivia Info Resource: athelitenutrition.com.au

The Average Funeral Costs All Over The World

Funerals are quite expensive. In fact, some families especially those without funeral plans deal with financial stress because of this. But what exactly affects funeral costs?

Casket, flowers, food, burial plots, urn, cremation fees, religious ceremonies, travel plans are some of the things that increases or decreases funeral costs. Location as well determines prices.

In the USA, funeral costs in certain states are higher than others. New York for example is around $8000 while in North Dakota is around $6500. The average cost of funeral however is around $7000.

In Canada, costs ranges from $5,000 to $7,000. The location of products and services affects prices. Funeral cost is more expensive in remote areas.

In the UK, the average funeral cost is about £3000.

In Ireland, it is between €4,000 and €5,000.

In South Africa, funeral cost depends on the requirements and this can be very expensive. Basic funeral is likely to cost R 7,500 and about R 12,500 on the average. The choice of casket raises the cost of funeral. Elite caskets can cost about R 24,500 to R 50,000 alone.

In Australia, the cost of funeral is from $4,000 to $14,000. The average is around $9,000. Price can increase depending on the type of chosen casket.

Trivia Info Resource: expressioncoffins.com.au

Three Differences Between Private And Public Schools That You Should Know About

Most students from private schools have families that can afford and are willing to invest their fortune on the education of their child. They make it their default choice so long as they have the means to pay for the tuition fee of their child. But what really is the difference between private and public schools. Here are some differences.

1. Public funding. Did you know that private schools are not funded by the government? Yes, private schools don’t get government funding unlike public schools therefore they charge tuition fee for each student to support the school.

2. Class sizes. In terms of class sizes, did you know that public class size can reach up to 70-80 students? This is very far from the standard 15-20 students per class for private schools. Public schools also have larger enrollments compared to private schools. With only one teacher to teach and monitor the students, it’s no wonder why private schools like that in Brisbane Schools are most preferred by most parents.

3. Curriculum. Did you know that graduates of private schools are more likely to have taken advanced mathematics and science courses? Yes, according to a study, it is more likely that students from private schools are given the opportunity to take advanced courses like Algebra II, Trigonometry, Calculus, Chemistry, Biology, and Physics.

Trivia Info Resource: brisbanechristiancollege.com.au

The Different Home Lighting Layers

For many home experts, choosing the right lighting for every room in the house plays a great part when it comes to its overall beauty. And so, it is very important that you know how to put or install the right lighting for the particular room in your house. Learn about the different layers of lighting before actually installing them.

- Ambient light. This is actually the first layer of lighting. This is the indirect light that lights the room evenly. Natural light from outside the house is one example of ambient light.

- Task lighting. This is for the certain parts of the house such as your office or library. Examples of task lighting are under-counter lights and reading lamps.

- Accent lights. This is usually to highlight the room’s architecture.

- Decorative lights. These are almost just the same with accent lights because it highlights the beauty of the whole house. Examples are chandeliers, side lights and garden lights.

Trivia Info Resource: magins.com.au