Lyme disease can be a fatal disease, once acquired and even more fatal if the early signs are not recognized. Early signs of Lyme disease widely include fever, rash, facial paralysis and arthritis. Lyme disease is also prone to the area you live in, in fact there are certain areas that are more prone to get you a Lyme disease than other areas. A Lyme disease typically occurs from a tick bite that can then grow into various conditions and illnesses. There are certain early signs and symptoms of Lyme disease that can be alarming for you, and they are as follows:

• Early signs of Lyme disease include, fever, headache, chills, fatigue, joint and muscle pain, and swollen lymph nodes.
• Another early sign of Lyme disease is erythema migrans rash and here are some details about it:
• About 70-80 % of the infected people suffer from erythema migrans.
• It usually happens in 7 days after the tick bite, although it can happen anytime between 3 to 30 days.
• This rash can go up to 12 inches or more as it expands gradually with time.
• One astounding fact is that this rash does not itch or generate pain in the individual
• It generally clears up from the center as it enlarges, making it look like a bull's eye (target).
• It does not have a particular spot and can appear on any part of your body.

Some of the less-common early signs of Lyme disease include:

• Irregular heartbeat, although the heart problems do not last more than a week or two
• Eye inflammation
• Liver inflammation
• More than usual levels of fatigue

Now that we have seen the early signs of Lyme disease, let us look at how it can be transmitted. The Lyme disease is typically transmitted through a tick bite, although this tick must be in contact with your skin for about 36 to 48 hours (or more) straight to let the Lyme disease bacterium infect you. This bacterium can only be spread through a bite of an infected tick; and the ticks also vary from region to region. The bacterium that spreads the Lyme disease is called, Borrelia burgdoferi. The back-legged tick spreads this disease in the mid-Atlantic, north-central and the northeastern parts of United States. The western back-legged is known to spread this disease on the Pacific Coast.

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.

   

A bag of fluid when forms a lump behind the knee, it is called a baker's cyst. The fluid that is produced by the joint lining protects the joints and keeps them lubricated. Fluid creates a lump when it leaks from the synovial sac and accumulates outside the joint behind the knee causing a lump. Meniscal cartilage of the knee's tear causes baker's cyst to happen. Sometimes, in older people, knee arthritis also causes this problem. Rheumatoid arthritis and other knee problems are responsible for baker's cyst as times. If you have notice a bulge in the back of your knee and you feel some pain in that area along with less to no flexibility, you probably have a baker's cyst. If you have arthritis then a doctor's attention and treatment is required. Baker's cyst treatments do not always need medical attention as the cyst goes away on its own. You can however try some of these below mentioned home remedies for treating the cyst: Physical therapy: Stretching is one such exercise when you can sit, lie down or stand while performing them. You can sit on a chair and try to touch the feet of your affected leg without bending the leg. Same can be done when you are standing, however, you can place the leg on a chair so it does not strain your joints while getting stretched. When you are lying down, try to bring your leg up without bending. You can hold your calf for support. R.I.C.E: This is an abbreviation for Rest, Ice, Compression and Elevation. This is one of the most common baker's cyst treatments and also the most effective. You rest out and do not get involved in much physical activity. Put and ice pack on the cyst as that will help with the swelling. Apply the pack for 10 to 20 minutes thrice a day. If you notice any reduction in swelling, conclude with a heat pack. Make sure that you do not apply any of the cold or heat packs directly. Always envelope them with a towel so they don't touch your skin or cyst directly. Compression is wrapping the cyst or your entire knee with a bandage (elastic) as that helps with the swelling. The bandage shouldn't be too light or lose. Put it on for couple of hours. Talk to your doctor if you need to keep it on for longer than two days. Elevation is when you put your leg on a pillow every time you are sitting or laid down. This too helps with the swelling. OTC medicines: Some over the counter medicines you can try for baker's cyst treatment are ibuprofen, acetaminophen and aspirin. If none of these medicines and other treatments are helping, consult your doctor to get medical baker's cyst treatment.

Gone are the days when the TV was just an idiot box lying in one corner of your living room. Now it’s the time of smart TVs. These TVs add to the grandeur of your living room and serve as a piece of pride and luxury. And that piece of prestige can cost a very high sum. Check out this list with some of the most expensive TVs in the world.

• Stuart Hughes TV: The Prestige HD Supreme Rose Edition from this company was the most expensive TV in 2010, and it is still one of the most expensive ones available. Priced at USD 2.25 million, this TV is a treat to look at. Forget the screen; you will be spellbound even with the body of the TV. This TV has a solid frame weighing 28 kg. The frame is made of 18-karat rose gold. It is embellished with 1-carat round-cut diamonds. The number of diamonds is not just 5 or 10, but 72.
• Titan Zeus TV: Priced at USD 1.6 million, this is one of the most expensive 4K TVs in the world. The TV screen is as large as a football goal, giving you an excellent cinematic viewing experience. It measures 370 inches diagonally, which means that you need a huge room to accommodate this TV. Viewing pictures on its gigantic 4K screen is an experience you will never forget. This TV is packed with some of the best features and offers you something that none of the other 4K TVs will be able to match up to.
• Panasonic Plasma TV: The TH-152 UX1 is a plasma TV from Panasonic. It comes with a price tag of USD 5 lakh. This TV might not be the newest or most advanced technological model, but it’s worth the money you spend. It was launched in 2010. The 152-inch TV gives promising life-like images and transports you to a different world while you watch. It has a native resolution of 4K x 2K, which is one of the greatest among 4K TVs.

Once you look at these epitomes of luxury in real life, you will surely forget all the latest 4K TVs and other technologically advanced models.

Installing a built-in appliance is the best way to make your kitchen clutter-free. Being the heart of a home, kitchen has to be neat and tidy and should have enough space to have meals or for family members to hang out together. Since you want your kitchen to be a welcoming space, having a built-in dishwasher is a must. Not only are the dirty dishes not visible but the built-in dishwasher smoothly blends with the cabinets to give a uniform appearance in the kitchen.

• Built-in dishwasher, unlike freestanding counterpart, serves as a permanent kitchen appliance. Not only is it space saving, but it also has the capacity to hold a better load as its available in different shapes and sizes. Here are some of the advantages of a built-in dishwasher which makes it the most preferred choice for homeowners.
• Integrated dishwashers usually require a proper installation by the plumber as it needs an appropriate setting so as it can receive and drain out the water after the dishes have been cleaned. The advantage here is that unlike the portable stand, the built-in dishwasher needs a one-time installation by the plumber.
• A built-in dishwasher can be easily fixed with your kitchen cabinets and hence do not require you wheel it every time you need it and you don't have to look for a floor space every time you want to wash your dishes. Having a built-in kitchen not only gives your kitchen the extra space but also helps you keep it clean without putting in too much effort.
• Built-in dishwashers are held in their place which helps in reducing the wobbling and also comes with a door which not only minimizes the noise but also keeps your kitchen splash free.
• It is quite easy to mix as well as match built-in electric and gas cookers, ovens, dishwashers, unlike the freestanding options.
• Built-in dishwashers are loved for their low noise making ability. Since cabinetry encloses them, the operating sound gets silenced by its sturdy structure.
• The standard built-in dishwashers typically hold 12 to 15 place settings worth of dishes and are best suited for a family of two to three. Not only do they provide adequate space they also have specialized cycles like heavy, glass, rapid, etc. that helps you wash all your cutleries and other utensils without breaking or chipping them.

Remember, before investing in home renovation, do your research properly. Built-in models keep evolving and therefore it is good to have a clear idea of your needs, the number of times you plan to use it, etc. to make the right choice. Do read consumer ratings to make the best pick. Some of the popular brands for built-in dishwashers are Bosch, GE, Electrolux, Kenmore, LG, Frigidaire, etc.

The retail market offers many kinds of buying options that one can avail in order to procure goods and services required in homes and commercial spaces. And the wholesale market is one where you get things at prices which are closest to production or factory costs. For many wholesale items and brands, it is imperative to buy the items in bulk so that you can avail those prices. Among the major retailers in the USA, Costco is a chain of super wholesale stores that stands out. Costco Online is known as one of the best places for buying essentials for the entire family. It has evolved as one of the best wholesale marts in America. So, read on to understand the buying guide when it comes to wholesale shopping. • Toiletries: There are a number of toiletries that can be bought in bulk. The trick is to choose products that will not get spoiled or expire in a hurry. You can try buying a pack of ten toilet paper rolls or even scrubs and wipes in bulk, so that you can store them in the pantry and pull them out as and when required. • Bargains for electronics: In stores like Costco Online, you can be sure that you will find good bargains and deals for many electronic and related items and accessories. The best way to do so is to ensure that you do not miss out on these deals. First, zero in on the phone or laptop or any other electronic item that you may want to buy. You can visit the dedicated store for the product and decide on the model that you want. Then, you should sign up for the newsletter and other emails of the store, so that you keep getting relevant news about the kind of products that are added every season as well as the deals and offers that are announced for the existing line. Chances are that you may have to wait a season for that brand new laptop, but the deal or the bargain price will make it all worthwhile! • Family size equals bulk: Before you start buying things in bulk, you will need to do a few calculations. For example, you will need to calculate your family size with the items that are listed on the most frequently bought list. This will help you come up with a list of your own. If you have a large family with more than one or two children, then it would be a good idea to stock up on the multivitamins and other such pharmacy items which can be used and replenished by the month. • Take stock: Before you get tempted to start buying items in bulk, it would be a good idea to take stock of the items that are already there in the corners of your pantry. The day before you hit a store like Costco, it would be worthwhile to first do a complete clean up of your pantry before making the trip!