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Resolvly Explains How Predatory Lenders Are Making Money Off Rising Gas and Food Prices

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Resolvly Explains How Predatory Lenders Are Making Money Off Rising Gas and Food Prices

As the prices for necessities like gas and food continue to rise, predatory lenders are taking advantage of struggling people by charging outrageous interest rates and fees. Don’t let them entrap you — there are ways to protect yourself from predatory lenders. Learn how to identify them, what to do if you’re contacted by one, and how Resolvly can help if you’re struggling with high-interest debt.

What Are Predatory Lenders?

Predatory lenders offer loans at extremely high-interest rates, often without regard for the borrower’s ability to repay the loan. They’re typically more interested in making money off late fees and penalties than helping you get ahead.

How Can I Spot a Predatory Lender?

There are a few key things to watch out for if you think a lender might be predatory:

High-Interest Rates

Many predatory lenders charge exorbitant interest rates, sometimes upwards of 400%. If a lender is offering you a loan with an interest rate that seems too good to be true, it probably is.

Lack of Transparency

A good lender will be upfront about all of the charges associated with a loan. If a lender is being vague or refusing to answer your questions, that’s a red flag.

Pressure to Borrow

A lender should never pressure you into borrowing more money than you need or can afford to repay. If a lender is pushing you to take out a larger loan than you’re comfortable with, that’s a sign that they’re not looking out for your best interests.

Inflexible Repayment Terms

A great lender will work with you to create a repayment plan that fits your budget. On the other hand, a predatory lender might have inflexible terms that make it difficult or impossible for you to repay the loan.

The Effects of Predatory Lending on the Economy

While predatory lenders might seem like they’re just taking advantage of desperate people, their actions can have a ripple effect on the economy. People defaulting on their loans can lead to higher interest rates and stricter lending standards for everyone.

This makes it harder for people to get loans for things like cars and homes. Predatory lending can also create a cycle of debt that’s difficult to break free from.

What Should I Do If a Predatory Lender Contacts Me?

If a predatory lender contacts you, saying no is best. Please don’t give them any personal information or agree to anything. You might also want to report them to your state’s attorney general or consumer protection agency.

How Can Resolvly Help?

If you’re struggling with high-interest debt, Resolvly can help. Resolvly LLC is a Florida Bar-approved company that helps individuals countrywide connect with consumer protection lawyers. If you’re struggling with high-interest debt, call us today or visit our website to see how we can help you. We offer free, no-obligation consultations to use our services.

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Christian Bale’s physical transformations for movies – from skinny to huge

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Christian Bale

Christian Bale is responsible for some of the most drastic physical transformations shown on the big screen. From very skinny in “The Machinist” to huge playing The Batman in “The Dark Knight”, Bale’s physicality range knows no bounds. A dedicated actor in his art, Bale commits all the way for his roles and continuously delivers in both his on screen performance as well as his on screen appearance.

These are some of Christian Bale’s physical transformations on the big screen.

The Machinist

Four months prior to the production of “The Machinist”, Bale started to lose weight for this role. Starting at 180 pounds, Bale dropped an unbelievable 60 pounds to look extremely skinny. His diet during this time included one coffee, an apple and water. He also chain smoked cigarettes and drank whiskey to further lose weight. His dedication is revealed on the screen, with Bale looking scraggly and dangerously skinny.

Batman Begins/The Dark Knight

Bale put on 100 pounds for his role as The Batman, doing so in an unbelievable 6 months from his end of role in “The Machinist”. He used a typical workout body part split to focus on different muscle groups on different days. The effect is noticeable, The Batman looking large and intimidating on screen.

American Hustle

This role required Bale to pack on the weight again, but this time not through working out. He ate cheeseburgers, donuts and whatever else he could get his hands on for two months in order to get to 200 pounds, and visibly fatter. The effect is obvious on screen, with Bale sporting a belly and obviously looking much rounder when compared to “The Dark Knight”.

Christian Bale is a master of physical transformations, and he commits to his roles. From ridiculously skinny, to ripped and muscled, to fat and overweight, Bale can and will do it for a worthwhile movie role.

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Lifestyle

Bryn Carden Explains How Yoga Can Improve Mental Health and Emotional Well Being

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Bryn Carden

A practical exercise that offers a relieving full-body workout that continues to grow in popularity is yoga. In addition to the physical benefits, yoga supports mental and emotional health, enhancing overall well-being. Bryn Carden, active health guru and former Miss Kemah Teen USA, reverts to yoga as a regular practice to stay in shape and develop mindfulness. In this article, she lists the top benefits that yoga gifts to fuel the body, mind, and soul.

Benefit #1: Reduces stress

Stress is unavoidable in life, so learning how to manage stress best is the most proactive approach to dealing with it. Yoga is a valuable tool when looking for avenues to reduce stress. In fact, 86% of Americans said they choose to engage in yoga in hopes of relieving stress. The action of stretching, tightening, and relaxing muscles lower physical and mental feelings of tension, promoting a peaceful environment.

Benefit #2: Releases “feel-good” brain chemicals

Yoga increases oxygenated blood flow to the brain and releases brain chemicals like endorphins and gamma-aminobutyric acid (GABA) that spark good feelings.

Benefit #3: Helps develop a sense of self

Anytime someone commits to taking the time and effort to complete an exercise, it is an act of self-care. Yoga presents the opportunity to practice self-care in cooperation with self-acceptance. The two in sync help cultivate a more nonjudgmental relationship with oneself, ultimately laying down foundation blocks to build self-trust and confidence. A relationship with oneself defined by the statement, “I am worthy,” leads to balanced emotions, healthier choices, better relationships, and more willpower.

Benefit #4: Boosts mood

One of yoga’s pillars includes focusing on the breath and breathing slowly and deeply with control from start to finish. The science of breathing alongside the movements of yoga alters an individual from the sympathetic nervous system, otherwise known as flight-or-flight, to the parasympathetic nervous system, or rest-and-digest. Calming the nervous system in this way aids in relieving depression and anxiety. Meditation, which plays a part in yoga practice, decreases activity in the limbic system, or the area of the brain responsible for emotions, and assists in dissolving emotional reactivity.

Benefit #5: Leads to a better night’s sleep

Individuals struggling with insomnia can improve their mental state by practicing yoga. One study found this benefit more prominent in older adults as participants over the age of 60 recorded better overall sleep after practicing yoga. Another study on postmenopausal women battling insomnia revealed that yoga reduced insomnia severity.

Benefit #6: Sharpens the brain

The brain continues to benefit in numerous ways from yoga practice, including its sharpness. Yoga allows brain cells to generate new connections, resulting in positive brain structure and function. Learning, memory, awareness, thought, attention, and language become enhanced by yoga practice revamping cognitive skills. MRI scans have also exposed the advanced brains of those who consistently practice yoga, showing a thicker cerebral cortex and hippocampus.

Benefit #7: Sparks other healthy habits

Like other exercises, yoga practice tends to lead to overall healthier choices in areas such as self-care and diets. Deciding to eat healthily will only elevate cognitive function.

About Bryn Carden

Bryn Carden is a young entrepreneur and philanthropist passionate about real estate and design. She is currently studying at Neeley School of Business, pursuing a major in Finance with a Real Estate Concentration. Besides working towards her degree, she has already begun her entrepreneurial journey as a co-founder of BF Hats and a creator of Styles for Smiles – a company selling bracelets to help fund cleft palate operations for children in developing countries.

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Zac Efron’s daily routine for his Baywatch body

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Zac Efron

It’s no secret that Zac Efron was a teenage heart throb, but in Baywatch he unveiled a whole other level of fitness. Trained by Patrick Murphy, the famous celebrity fitness trained who has coached the likes of numerous Hollywood A-listers. These include Cameron Diaz, Jason Segel and Alexandra Daddario.

Efron’s transformation in Baywatch was phenomenal, and to get that to happen, Murphy had to create workouts that would change overtime, to continue to progressively overload Efron. This was done in order for Efron to never plateau in his muscle gain.

His routine consisted of full body workouts, power and strength training, balance and stability training, lifeguard training, obstacle course training and so much more. Rep schemes, lifting styles and set schemes were all thrown at Efron but changed up continuously on the daily. With an impressive workout ethic, Efron managed to get through this all and become shredded for his role.

Furthermore, Efron followed an eating plan (diet is everything) to go with his fitness routine. He needed a diet that would fuel his body consistently with such hard workouts being completed. In order for this to occur, a highly nutritious diet is required. A few examples from his diet include brown rice meals, quinoa, fresh fruits and vegetables, complex carbs and lean sources of protein. Majority of the time Efron would follow this diet, however he would allow himself 3 cheat meals a month. It is important to have some cheat meals as continuously following a rigorous diet and workout routine can lower your morale without sometimes giving in to allow yourself to enjoy food you crave.  This could be used as a reward system, and is crucial to many people’s fitness success.

Efron got ripped for his role in Baywatch through a very rigorous exercise routine which was constantly being switched up, as well as a dedicated, highly nutritious diet.

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