Monday, November 4, 2013

Are loans a cause of chrematophobia?

Chrematophobia is the fear of money or wealth. It can also be used for people that fear loans.  Even if they are offered personal loans at affordable interest rates they often hesitate to get one. If you are surprised by the term chrematophobia, this article will elucidate if such a fear is possible. During the early Christianity, people freely shared their wealth among in the congregation. Nothing was considered personal. However, after the persecution was over, Christians got back to the usual living style. However, some of the puritans wrongly connoted the verse “the love of money is the root of all kinds of evil.” 1 Tim 6:10.

Instead of “Love of money” they emphasized the word money. This is why many puritans till today live a humble and poverty stricken life. The reality is the very sacrifice of Jesus Christ on the cross is to mitigate the curses brought to the humankind by the Adam and Eve. Poverty is a curse and blessing brings prosperity. Although it is written that you shall not borrow but lend to nations, some of the puritans neither borrow nor lend. If you believe that prosperity is sin, then it is high time to change your attitude toward money. If a personal loan can help you restore your financial status back to normal, do not hesitate to get one. All you have to do is make sure that you don’t fall into debts anymore.

Monday, November 12, 2012


Food, shelter and clothing are the 3 basic requirements of life, not all are blessed with the basic needs. The difference is spotted on those who don’t have a perfect budget plan to afford all the commodities within their income. A family is said to be diversified if it doesn’t follow a perfect track which leads them towards debts. However, these overwhelming debts can be managed by debt consolidation. It is the process where a new loan is taken to repay all the existing debts.  

Reasons to consolidate your debts:

  1. Reduce the burden: People end up paying loans all the time; they are unable to keep a  record of the outstanding amount along with the interest rates. Too many debts also cause delay in payments which ultimately increases the interest rates. Hence, to get relieved from this muddle, debt consolidation is needed; it simplifies all your repayments by merging them.
  2. Flexible repayment plan: It gives you a long period to clear the loan; you can also opt for the alternate refunding plans to pay-off the dues faster. You can also extend your repayment period if you are unable to manage regular payments on monthly basis.
  3. Interest rate reduction: The interest rate charged are comparatively less that the individual interests that you pay towards each different loan. You can even ask your debt consolidator to talk to the creditors and reduce the interest rates charged on the loans.
  4. Includes all types of loans: It consolidates all types of debts like mortgages, car loans, Federal Education or students’ loan, PLUS loans from federal family education loans, National/ Domestic nursing loans, Central Perkins loans, Supplemental loans for learners, Health education assistance loans, Health education succour loans etc.
Single monthly payment: By consolidation all your different debts you just need to pay a single payment to the consolidating company and your consolidator will handle all your debts. This way you can reduce the burden of making payments to different creditors. Debt consolidation doesn’t consider private education loans. By default, if you are covered under this type of loans, you’ll probably have to meet certain requirements before centralising for your loan and the finances which are made compact can’t be ghettoised as they don’t exist any more.

Benefits of consolidating debts:

  •   Settles all your debts into a single payment with reduced interest rates
  •   Relieves from financial hindrance
  •   Smaller reimbursements
  •   Easy payment modeReduces the burden of the debts

Through debt consolidation you can repay all your debts soon and also improve your credit score by avoiding late payments. But to achieve it, make sure you make all the payments on time to the consolidator.
 In any particular month if you fall short of cash to make the loan payment then you can apply for same day cash loans and get instant finances.

Author Bio:
Kiley Kiersten is a Tech writer from UK. She writes articles related to the Travel  and Finance. You can catch her @financeport
Kiley Kiersten is a Tech writer from UK. She writes articles related to the Travel  and Finance. You can catch her 

Monday, November 5, 2012

How to get payday loans for bad credit

Do you have a bad credit history? Are you wondering how to get payday loans for bad credit? Stop worrying and move toward the right direction and get all the money you need wired to your bank account directly. Diamond Nationwide is a great financial institution that offers personal loans for people with bad credit without much delay. If you are looking for service providers that offer loans for bad credit, you can never find a better institution. Often lenders would ask you a long list of documents and strong guarantees when it comes to loans for bad credit. Moreover, the interest rates might go up several times as charged for borrowers with good credit history. If you feel it is too bad to burden one who already is in want, then here is a lender who could thing in similar terms. Diamond Nationwide has eliminated all of the traditional procedures and have made borrowing simple. Just fill up the online form to get your loan approved. You can even have it credited directly in your bank account within days.

Tuesday, March 15, 2011

Review on kid’s products from Stephen Joseph

Dear readers, it has been quite some time since we updated this blog on most common phobias. We have planned to update the blog frequently from now on. It is not unusual for you find a few product review on this blog aside of posts on most common phobias. This is one such post that would throw light on a few products and services that could be of good use to you all.

Hope you have heard about the popular name Stephen Joseph, which is famous for its focus on kid’s products. We like to introduce some of the fancy kid’s products that the website offers. Although there are several attention grabbing products in display at the websites gallery, here we focus on the quilted backpack for toddlers that are made of 100 percent quilted cotton. This is hypoallergenic product which you can present your kids and see them enjoy using it. They are simply amazing to look at and highly safe for children. The website also offer you custom designs if you would like to implement your imaginations on the wonder product.

The personalized laundry bag is one other product from the brand that is on display in the website. The price range of these cute looking laundry bags starts from $8. You simply can’t resist ordering it if you view it once. Why would anyone say no to such a beautiful laundry bag that comes at an affordable price? You have a lot more surprises as you browse through the different pages of the website. We recommend that you visit the website yourself and check out why we are all praises for the products.

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Thursday, September 10, 2009

Are Hydrophobia and Aquaphobia Synonymous?

Hydrophobia is a morbid dread of water. This is a mental condition that usually affects animals and people with rabies. Rabies cause spasms in the throats of victims that is very painful. This makes them avoid in take of food or water. Especially water even when they are very thirsty. However, this condition can be avoided if immediate action is taken in case of an animal bite. Clean the wound get a series of injections of hyperimmune antirabies serum. This is usually a fifteen to thirty day course. You may have to administer booster after some time. If left unattended, hydrophobia worsens and death is inevitable. There is no cure of it as of now. But there are a plenty of ways to prevent hydrophobia. Some of them include vaccinating domestic animals and taking immediate action in case of an animal bite.

On the other hand aquaphobia is the fear of drowning and this develops due to the mental stress created by near drowning experiences in childhood. Normally the person with aquaphobia seems to be all right. Only during occasions where there is a possibility of getting drowned they start to react. They will fear any large water body. There are cases where people avoid bath tubs or even a shower bath. Even some of them could be great swimmers but never attempt to get into deep waters. When they are panicked, nothing would keep them calm and taking them away from the water spots will make them come to their senses again. The only way to cure aquaphobia is through metal exercises and strengthening of mind. However, it can be prevented if parents keep a close watch their children and prevent them from getting near drowning experiences or shock. Never push children or force them in to water. Let them learn swimming their own way!

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Thursday, August 27, 2009

Thantophobia – The Fear of Death

Thantophobia is a strong fear of death that happens when there is actually no danger at all. While it is normal for most people to experience fear of death now and then, the fear in Thantophobia is somewhat unreasonable. And as the Thantophobic is aware of this, he or she may try to avoid situations that trigger the fear.


Fear of death that causes breathlessness, extreme sweating, dryness of mouth, sickness, trembling, heart palpitations, confused state of mind, a feeling of disconnection from reality, a fear of losing control, or a total panic attack.


As Thanatophobia is a very complex issue that may have various possible sources, it is important to get it diagnosed by an experienced mental health doctor. This diagnosis may involve the questioning of the sufferer to find out the causes of the problem. Once the symptoms are clearly examined, the patient will be prescribed an appropriate treatment course.


Apart from the symptoms, the treatment also depends on the subject and his/her purpose of going for the therapy. Depending on these factors, various treatments can be used. This includes talk therapy solutions that range from psychoanalytic to cognitive behavioral. Also, the subject can be given auxiliary religious counseling and other therapeutic alternatives in parallel to the main treatment.

Monday, August 24, 2009

Sociophobia - Causes and Treatment

Sociophobia is the frequent and strong fear of taking part in social situations that require the facing of people. Often such fear is accompanied by certain signs of anxiety like sweating and trembling. Sometimes the phobia may be so strong that it can lead to a full-blown panic attack. And as the subject comprehends that the fear is disproportionate, he/she tries to avoid social situations altogether.

What Causes Sociophobia

Sociophobia is not a disease that hits people all of a sudden. Actually it is a deliberate interpersonal action that is derived from the overprotection of the self from seeming social threats. Or in simple words, Sociophobics have a fear of people that is totally uncalled for. Sociophobia can cause great distress when the subject feels that their social objectives of emphasizing their desires or getting the appreciation of others is highly impossible. As a result, the sociophobic may find it too difficult to participate in daily social activities.

How to Treat Sociophobia

There are various behavioral and cognitive treatments available for effective changing the behaviors of sociophobics. The treatments may include learning new ways of controlling the fear and to reduce the awkward bodily responses and anxiety, or teaching social skills to give confidence in social situations. Another common method is psychodynamic therapy or other talk therapy that addresses the root causes of the social anxiety.