Everyone loves a fresh new bathroom where they can enjoy a lazy bath or a refreshing shower. If you’re looking to remodel your bathroom showers, then there are certain things you should not miss out on while planning the remodeling job. These tips will make sure your bathroom remodel has no errors. Finding the perfect luxuries for your budget is the first step toward bathroom remodeling. After you find the right budget, make sure you remember to take an opinion from bathroom remodel experts. Invest in good cabinets The bathroom can remain humid and the moisture in the air, along with the varying temperatures can be a disaster for cheap wood and lamination. Instead, focusing your budget on good cabinets can assure that it lasts long and prevents the growth of mold. Space is a factor you should consider when assessing cabinets. Some bathrooms may not have the space to host more than one small cabinet. Make sure you plan in advance what you plan to store in your bathroom and if space allows it. Accentuate your tiling Bathroom remodel experts suggest accented white tiles. Muted floor tiles in contrast to vibrant wall tiles can make your bathroom stand out. Using colored tiles above bath replacements or as backgrounds can give your bathroom a refreshing change. Pick a theme for fixtures While you remodel bathroom showers, fixtures play an important role. Having a certain theme in mind before purchasing fixtures can help in decision making, as well as take the look of your newly remodeled shower to a higher level. Reliable toilet Buying a toilet that is sturdy and durable is important. Replacing a toilet often can lead to ruining floor tiles, and you may have to end up remodeling your bathroom again. The material used for the toilet is important too. Some materials stain more easily than others. Cheap but durable countertops If you have kids who can create a mess, or if you tend to keep your bathroom a messy place, it is recommended to buy cheap but long lasting countertops. However, if you have a bigger budget, countertops can elevate your bathroom remodel. One important thing to remember while you remodel bathroom showers is to take the current plumbing into consideration. Often, people have ambitious designs and looks, but the placement of the plumbing can ruin all of those plans. Instead, if the plan is initially made with the plumbing in mind, it can make your job easier.

A great short leather jacket is an absolute must-have for a wardrobe. If you are a biker, then it's a necessary gear. For women who seriously bike as an activity, a short jacket protects them from the harsh sun, dust, wind, and bugs. A short jacket provides comfort and can protect one if he or she goes down accidentally. Fashionistas prefer a short jacket to be paired with cool shade, tight denim or short skirts. A short leather jacket just goes with anything, and the best part is that it is more affordable now. One can even go in for sleeveless jackets paired with full-sleeved t-shirts as well. Some of the best short leather jackets for women are as follows: Exemplar Women's Black Lambskin Leather Moto Jacket This short leather jacket made up of genuine lambskin is soft and lightweight. Made to fit the body and flatter one's curves, these jackets have detailed stitches which give the wearer a tough, feminine look. The high collar can be zipped to prevent the wind and can be left unzipped and folded when the sun is scorching hot. It's best to measure the body and get a perfect fit before grabbing this piece of beauty. The jacket offers great value for its price of $145 and is made up of 100% genuine leather. Cole Haan Women's Asymmetrical Collarless Leather Jacket A perfect leather jacket for Vespa rides and office commuting, Cole Haan is creamy, collarless short leather jacket. The jacket has zippered slash pockets and sleeves which goes perfectly well with a blouse and slacks. The curvy fit just flatters any curve. The design is clean and looks extremely fashionable. The jacket isn't suitable for heavy outdoor wear. The jacket costs around $192. Retro Brando Chestnut Brown Biker Leather Jacket Cutting edge style and classic elegance are what that defines this jacket. Retro Brando is a slim fit jacket and is a must-have fashion accessory. The leather is made up of excellent quality leather and has a very soft finish with rich chestnut brown shade. The fitting is a concern, and one has to order a couple of sizes larger and doesn't fit well in every body type. The jacket costs around $190. Vince Camuto Women's Leather Moto Jacket Vince Camuto is a super soft top quality short leather jacket for women. His jacket looks trendy and comes in many shades. Having a zippered chest and hand pockets, this jacket is a perfect jacket for a biker babe. Quilted patches over the shoulder and the sleeves give this jacket an uber-cool look. The jacket costs around $270.

Anyone who has diabetes or prone is to it must get themselves checked regularly to ensure that their blood sugar levels don’t rise too high. No matter what age you are, if you have a family history of heart diseases and diabetes, then a regular diagnosis of diabetes is a must. There are various diabetes tests that can be done to check the levels of blood sugar. Some of them are explained below. Random Blood Sugar Test In a random blood sugar test, which is more precisely known as the Random Plasma Glucose (RPG) Test, the doctor takes a blood sample for testing. It does not depend on when you had your meal. You don’t need to fast nor do you need to eat your meal after a certain interval of time to take this test. It is one of the easiest diabetes tests but sometimes is not very accurate. A1C Test This is one of the most recommended diabetes tests and can help determine the blood sugar levels from the previous couple of months. There is no restriction to eating or drinking before this test. Many factors are considered by doctors before recommending this test like the age of the patient or whether the patient has any blood–related problems like anemia. If a patient has anemia then this test would not give accurate results as this test gives the measure of the hemoglobin attached blood sugar. Fasting Blood Sugar Test This test is quite common and requires the patient to fast overnight. You can take one or two sip of water in the morning but no solid food. Oral Glucose Tolerance Test This blood test is first done after an overnight fast. Then the patient is asked to consume a sugary liquid and then the blood sugar is tested again after every couple of hours. This is most often done in case of diagnosing gestational diabetes. So, these are some of the most important diabetes tests that are advised by the doctors to check whether your blood glucose levels are normal or not. If they are not, appropriate steps must be taken to bring it under control.

Hemophilia is a rare genetic bleeding disorder that affects a fraction of the people in the country. According to the Centre for Disease Control, roughly 12 out of every 100,000 males are diagnosed with hemophilia A. The bleeding is caused by a missing factor VIII protein, responsible for the blood’s clotting function. This inherited disorder is challenging to manage, and one must take the following precautions, especially while traveling with hemophilia A. Consult with a specialist Always consult with a doctor to understand if traveling with hemophilia A is possible in the first place. One should reconsider if the bleeding symptoms are severe. Some vaccinations for hepatitis A and B are recommended for patients who plan to travel. Doctors also provide a travel letter that explains the disorder for security purposes. Only then can airport officials allow prescriptions and care package supplies on board with the passenger. Prepare a precautionary kit Understand that airline baggage restrictions are not applicable for doctor-approved prescriptions and emergency supplies. So, patients can pack everything conveniently into a carry-on bag. However, it is the patient’s responsibility to label and mark all supplies, as there are certain prescriptions or equipment that cannot be exposed to X-ray scanning at the airport. Also, travel delays can happen, so pack enough to ride out any contingencies. Checklist for supplies The regular checklist should include vials of the prescription, a diluent for preparing thin solutions, and a reconstitution device for mixing the factor VIII solution. Other things include disposable syringes, cleaning alcohol, cotton pads, disinfectant, and a container to dispose of all supplies carefully. Doctors may also recommend additional supplies that need to be packed with the emergency kit. The checklist should also contain a list of hemophilia treatment centers (HTC) along the planned route. National and global HTC directories are available online for reference. Medical information It is recommended that patients carry all necessary emergency contact information while traveling with hemophilia A. Doctors also suggest wearing a medical ID bracelet that alerts medical professionals about the condition. This is quite handy in cases where the patient cannot explain what’s wrong or loses consciousness. Check insurance Always carry updated information for travel and medical insurance. Hospitals can be expensive in foreign countries, so double check to see if preexisting conditions like hemophilia A are covered under the policy.

Many studies indicate that one of the reasons people indulge in charitable work is because it makes them feel good. Most people think that this need to give is a moral duty toward society and that there is a social conscience behind this act. What is this power of giving back, and how does one understand it? This article lists some benefits of the psychology behind this act of kindness. Promotes social connection A number of studies done by sociologists indicate that giving to others can have immense benefits. When you give to others, your generosity will mostly be rewarded at some point in time. You will be rewarded by the person you helped or someone else. These exchanges of goodwill strengthen human relations and promote cooperation. Furthermore, we make others feel closer to us when we help them. This results in an improved sense of interdependence among society at large. Improves mood A number of studies have linked giving back with improved mood in general. One report indicated that people who do more or give back constantly tend to be more happier. Being generous over a period of time has been known to reduce stress levels too. Moreover, giving can positively impact a person's self-esteem. Improves one's sense of gratitude Giving can invoke a sense of gratitude in people. This sense of gratitude is known to elicit feelings of happiness and joy amongst people. In addition to that, giving can create strong social bonds. In fact, further study on the subject concludes that cultivating gratitude in everyday life has the potential to increase personal happiness. Physical health benefits Besides gratitude and happiness, giving back can have a number of health benefits. You experience lower blood pressure and lower stress levels when you give back. There has also been evidence to indicate that our bodies secrete "feel good" chemicals like serotonin and dopamine when we give. Additionally, giving others is known to stimulate the reward center in the brain.

Prosper is an online peer-to-peer (p2p) lending platform that offers loans to individuals at a fairly low-interest rate. Established in 2006, Prosper became the first firm to enter the p2p lending market. It provides loans to individuals with average to excellent credit score. Any individual with a minimum of 640 credit score is considered eligible for a Prosper loan.

How Does Prosper Work?

It must be usual for people to wonder, how Prosper manages to lend money at an interest rate far lower than the industry. The answer is simple. Unlike banks & other financial institution, Prosper doesn't have branches, operating online helps Prosper saves on the expenses other financial institutes have to bear. These savings help provide relief to their customers as low interest rates.

When an individual applies for a loan on Prosper’s website, they request necessary information of the applicant after which Prosper makes a soft credit check of the borrower’s credit history. This soft credit inquiry doesn’t affect the credit score as it doesn’t reflect on the public credit report. This soft credit check helps Prosper determines whether the individual is eligible for a Prosper loan. Once the applicant has succeeded in the soft credit check, Prosper makes a hard credit check to confirm his eligibility for the loan. This hard credit check reflects on the credit report for the next two years. Get detailed information on hard and soft credit check here. When the applicant’s credit history seems satisfactory, he/she is provided an eligibility confirmation for a Prosper Loan.

On completion of credit check, the applicant receives a confirmation noting the loan has been processed and that the amount will be transferred in 1-4 business days (to eligible applicants). The applicant gets the amount in their provided bank account within the said duration.

What are the charges of Prosper?

Please note that the amount received will not be equivalent to the loan amount applied for, as an origination fee ranging from 2.4% to 5% will be deducted from the amount borrowed. An origination fee is a fee charged by Prosper to process the loan. The origination fee rate depends on the applicant’s credit score, individuals with the excellent score being charged 2.4% while an average scorer would be charged 5%. The better the credit score one has, the lesser the origination fee he has to pay. If you are in need of a particular amount, be sure to calculate the origination fee in advance and add it to the borrowing amount to get the desired amount. For example, if you are in need of $2,000 be sure to request a loan of $2105, as 5% of $2105 is $105, which will give an amount of $2000 after the deduction of origination fee.

How to Apply for a Prosper Loan?

Prosper loan applications are quick and easy. The entire process is done online on Prosper’s official website. Follow the below mentioned steps to apply for a Prosper Loan:

• Log in to Prosper’s official website.
• Prosper requests some of your personal information - name, address, date of birth, monthly housing expenses and loan requirements as a part of the loan application.
• Once you have filled these details, you will be asked to create a password for your account with Prosper.
• Prosper will run a soft inquiry of your credit report & provide you with a confirmation of whether or not you are considered eligible for a loan on the next screen. Here, it will display the rate of interest you will be charged for the loan. Along with the rate of interest, it will show the ARP. ARP or Annual Percentage Rate is more important than the interest rate as it is a sum of origination fee and interest rate.
• Prosper offers you a fixed payback term of 3 or 5 years, which will be shown along with their respective interest rate. It will also display the maximum amount you can borrow from Prosper, i.e., if you want to borrow a bigger amount than what you initially applied for, you can make the changes here.
• Once you have selected the amount and the payback term, you will be taken to the next screen, where, additional details about the applicant is requested.

Details requested would be:

• Personal Phone Number
• Employment Details
• Social Security Number

Since sensitive information like Social Security Number is requested on their site, Prosper has secured their website with encryption to process information securely.

• Once you have filled in the additional personal details, the next screen would display all the loan terms, i.e., ARP, Origination Fees, Loan Amount, Total Payments, etc. Make sure you read everything carefully to be well informed of the loan terms before borrowing from Prosper.

• Once you have accepted terms of the loan, you can complete your application with Prosper by doing the following:
  • Add Bank Account Details: There are two ways to provide your bank account details to prosper, the first and the quickest way to do this, is to provide your bank account login and password to prosper so that they can verify your bank details the fastest. If you are not comfortable sharing your bank login, you could opt for the second way, i.e., provide your bank account number and routing number, which Prosper will use to verify with your bank by depositing a small amount, usually less than 10¢. This second method is a long process and might take some time for the verification to be completed.
  • Upload / Fax Additional Documents: Prosper might want you to upload few supporting documents like a bank statement or tax document in PDF format or fax it to them. These documents are used to verify your information before processing the loan.

Once you have completed the above mentioned steps, Prosper will display a confirmation stating -

[caption id="attachment_16661" align="aligncenter" width="623"] In Image: Prosper confirms application receipt. It also mentions that they are reviewing your application and will send you an email regarding your application in an hour.[/caption]

• After this, Prosper runs a hard inquiry that will remain on your public credit report for at least two years.

Benefits of Prosper Loans

Prosper is not only the quickest and easiest way to apply for a loan, but also have additional benefits:

• Individuals with a credit score as low as 640 are considered eligible for a Prosper Loan. This low score consideration is a great relief to people with a poor credit history.
• Prosper loan is processed in as low as one day in some cases. Their quick process helps in easy access to money during emergencies.
• Due to Prosper’s soft credit checks, there will be no effect on the credit report if you are only looking to check your interest rates.
• Prosper loans are lent on a fixed interest rate, irrespective of market changes or payment delays, Prosper loans’ interest rate stays unchanged throughout the repayment term.
• Prosper offers one of the lowest interest rates in the market. This low rate helps save on the extra interest you might have to pay with other personal loans.
• No extra fees or penalty is charged in case of early closure or payment of the extra amount.

Drawbacks of Prosper Loans

Although there don’t seem to be many drawbacks of Prosper loans, we have mentioned below a few things that might be inconvenient for some:

• Prosper’s hard credit inquiry might have a slight impact on your credit report for about six months, lowering your score faintly.
• If you are looking to borrow an amount that is anything lesser than $2000 or greater than $40000, Prosper might not be of great help as they have a borrowing scale of $2000-$40000.
• If you are looking for a long payback term to lower your monthly EMIs, Prosper might not be the right choice for you, as Prosper offers a maximum payback term of 5 years.
• If your loan goes unfunded for 14 days, you might have to reapply, which means a longer wait time.
• Prosper’s origination fee might be of major concern for some people as it could go up to 5% of the loan amount.
• Although a loan term of 60 months / 5 years is available with Prosper, the interest rates for five years repayment term is higher than that of 3 years. This might discourage most of the applicants from opting a 60 months term.
• Prosper is unavailable in a few states, namely, Maine, Iowa, and North Dakota. Making it impossible for the residents of these states to borrow via Prosper.
• If your credit score is anything below 640, you might not be able to borrow via Prosper Loans. In such cases, you might have to consider loans for poor credit score.
• If you do not have a job or a stable income, your loan might not be approved.
• Only individuals can apply for Prosper Loans. If you are looking to co-borrow a loan, you might have to look elsewhere as Prosper doesn't support co-borrowing.

The best situation will be not to have to borrow money or take any loan, in case you must, Prosper Loans are a good choice with low-interest rates and easy repayment options.