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COVID-19 Digital lending scams have risen amid epidemics as economic tensions have prompted fraudsters to hunt down those in dire need of money. The more pressure they put on their immediate money needs, the more vulnerable they are to debt scams.

A basic understanding of digital loans and their methods can help keep people safe from fraud.

Here are some important things to know before choosing and trusting your lender.

1) Approved by RBI

First, note that lenders must be registered with the Central Banking Authority, the Reserve Bank of India. Lenders who are not registered with the RBI are not allowed to lend money and will not follow the RBI guidelines. Best licensed money lender in philippines .

Lenders should be aware that all lenders know their customer for each applicant or apply KYC principles. Lenders who do not comply with KYC rules should be immediately suspected.

2) Understand the red flags.

Although legitimate lenders follow the guidelines set by the RBI, there is no website or list of illegal lending apps. This in itself is a red flag. So if the company doesn’t have a website, never download an app.

Even if a website is listed, check carefully to see if the company that owns the app is legitimate and registered with RBI or Non Banking Financial Company or RBI or Bank. Works with registered NBFCs.  If in doubt, read the reviews on the App Store page to find out if there’s any cause for concern.

3) Clarity and transparency

All RBI-registered NBFCs will outline their grievance redressal procedures and privacy policies to protect consumers through the legal lending app. However, never download apps from lenders’ websites. Instead, just download it from the App Store because there are additional checks that need to be done to enter an app.

4) Other telling signs

All of the above indicate that the app-based lender is unreliable. The RBI has issued a number of warnings to potential personal loan seekers, including small businesses, to avoid falling prey to unauthorized money lending apps.

5) Other fraud markers

Demands for advance payment and promises of “guaranteed approval” and no documents are all clear signs of fraud.  In the meantime, here are some key tips to detect fake lending apps:


Remember that while digital technology enables instant efficiency and the disbursement of loans in minutes, it can also be misused to deceive people.  Ultimately, the best way to prevent digital loan fraud is to always be on the lookout for potential scams by double-checking every loan offer, lender portal and lender’s credentials, and paying attention to the red flags mentioned earlier. Don’t forget, there are no security shortcuts in the world of digital lending.

Organically processed products and health supplements are nowadays crucial for implementation of better and boosted health and well being of an individual. They tend to have much more nutritious value than the artificial processed foods and flavours. The richness and freshness of the packaging also contributes to healthy consumption such as YOR Health products and edible oils.

A whole array of significant benefits and practices can be asserted that in one way or the other contribute for human wellness. We are marking some of the prominent health benefits supported by the organic processed products.

Various Benefits of Organic Products

  1. Loss of Weight

Organic supplements maintain a moderate weight can reducing the risk of chronic health issues. Being overweight or obeseinduce risk factors for several conditions including heart disease, diabetes, poor bone density, and even some cancers.

Many healthful supplements, which include the richness of vegetables and fruits are lower in calories than most other processed products.

  • Quick Response by the Body

Non-organic supplements involve a variety of synthetic chemicals recessing the rate of absorption. The ingredients are prone to cause unwanted side effects, such as nausea, diarrhea, or severe stomach cramps. Additives and fillers tend to rob the minerals and nutrients of their ability to strengthenthe body.

Same chemicals when used in supplemental doses, the body inlyreceives a portion of the nutrient value. The nutrients from natural sources vanish.

Contrarily, intake of an organic supplement enables you to grapple the full spectrum of nutritional value also enveloping the valuable antioxidants and other beneficiary elements.

  • Better Absorption

Studies have suggested that organic supplements act more compellingly in lesser time. They enable consumers to reap the benefits of their healing properties quicker.

These products tend to incarceratea finer concentration of nutrients and minerals that leads to a faster absorption rate.

  • No Chemical Consumption

One of the important benefits of organic supplements is that when you consume these, you are note xposedto a degree of harmful chemicals and synthetic substances.

The organic supplements are made from ingredients advance without pesticides or other chemicals allowing a much higher assimilation rate into your blood of vitamins and other nutrients. 

Organic supplements do notwither with probiotic cultures in your body such as many synthetic substances do in inorganic compounds can.

The goal of procession of organic products is to keep a healthy balance of microorganisms in these products. They include functioning strains that forbid harmful bacteria growth.


Olive is a slow-developing evergreen tree. It may also attain as much as 50 ft in top at its herbal habitat and might stay for greater than 500 years. It grows nicely beneath neath frost-unfastened dry environments assisted with the aid of using nicely-trained, heat soil conditions.

The olive end results are commonly picked after they end up plump, mature, flip mild inexperienced to yellow-inexperienced, and start to soft (veraison stage). Olives harvested at this juncture comprise excessive portions of polyphenol and are believed to be at their first class for oil extraction. high quantities of polyphenol and are believed to be at their best for oil extraction.

Benefits of Olive Oil

1. Olive oil has a wonderful taste and flavor. Unlike many different oils, which might be extracted from nuts and seeds, the oil is received from olive berries and hence, contains massive quantities of plant-derived antioxidants, phytosterols, and vitamins.

2. Olive oil is diagnosed as one of the healthiest fits for human consumption oils because it incorporates much less saturated fats. Additionally, it composes linoleic (omega-6) and linolenic (omega-3) vital fatty acids at an advocated eight:1 ratio.

3. The oil is excessive in calories. Its excessive-calorie content material mainly comes from its fats. However, it’s far particularly wealthy in mono-unsaturated fatty acids (MUFA) like oleic acid (18:1) and palmitoleic acid (16:1) that assist to lower LDL or “awful LDL cholesterol” and to growth HDL or “right LDL cholesterol” withinside the blood.

4. Research advises that the Mediterranean weight loss program, which makes use of monounsaturated fatty acids-wealthy oils like olive oil, enables withinside the prevention of coronary artery sickness and strokes with the aid of using favoring a wholesome blood lipid profile.

5. Being a vegetable supply, it has very excessive stages of plant sterols, particularly ß-sitosterol. .eight grams, as a part of a weight loss program low in saturated fats and LDL cholesterol, may also lessen the chance of coronary heart sickness”. Phyto-sterols competitively inhibit LDL cholesterol absorption withinside the intestine and thereby can lessen general levels of cholesterol with the aid of using 10% to 15%.

6. Olive oil, particularly greater virgin, incorporates tyrosol phenolic compounds consisting of oleuropein and oleocanthal. These compounds are answerable for olive’s bitter, and smelly flavor. Oleocanthal, oleuropein, and its by-product hydroxytyrosol are nature’s maximum effective antioxidants. Together with nutrition E and carotenoids, they play an important position in combating cancer, inflammation, coronary artery sickness, degenerative nerve diseases, diabetes, etc.

Morocco Gold olive oil

Morocco Gold is a super-top class fantastically crafted Extra Virgin olive oil, made withinside the foothills of the Atlas Mountains in Morocco. Although Morocco is now the fourth-biggest manufacturer of olive oil withinside the world, the precise traits of its olive oils are in large part unknown.

Spanish, Italian, and Greek olive oils are nicely-known. However, way to Morocco Gold, this may now no longer for long!

Morocco Gold Olive Oilis made solely from the PicholineMarocaine olives. From department to bottle, no shortcuts are taken, no steps are overlooked. The end result is a ‘liquid gold’: a rare, polyphenol-wealthy Extra Virgin olive oil of fantastic quality, great fitness benefits, and a flavor like no different.


Olive oil produces a small quantity of secretion with the aid of using the pancreas. Therefore the organ “works” little, however effectively and sufficient to perform all its digestive functions. It stimulates the absorption of numerous nutrients (calcium, iron, magnesium, etc.).

Tea is one of the most popular beverages across the world, and most people cannot imagine failing to drink a cup of tea every day. But, what do you know about the tea you drink every day? Yes, you might be aware of its benefits. However, do you know other interesting facts about that cup of tea you love? As a tea enthusiast, here are a few interesting things you should be aware of.

It’s all about the plant

One important thing that you should know about tea is that the different types of tea out there come from one plant—Camellia Sinensis. Whatever tea you have in your cup—whether it’s white, green, black tea, pu-er, or oolong, it all begins the way—like freshly-plucked tea leaves, and then made into different categories depending on how the tea is processed and the percentage of air (oxidation) the tea is exposed to.

Now, think of what happens with an apple—the first bite gives you a bright white flesh. However, the apple starts to turn darker when you leave it exposed to air for a long time—and this is how white tea turns black tea.

But, please note that loose leaf herbal tea is ideally not tea since it’s not a product of the tea plant—Camellia Sinensis. Herbal tea is an infusion of roots, leaves, bark, fruits, flowers, or seeds, and all herbal teas are caffeine-free.

Always check your ingredients

Just like when buying food, always read the ingredients in your tea. Here, one rule applies—less is more. It’s always advisable to choose tea with clean and natural ingredients if you are looking for quality. And great quality equals great taste.

At times, you might be surprised to realize that your favorite tea has lots of artificial colors, flavors, and chemicals, some of which you cannot pronounce. Now, these are what tea enthusiasts call ‘getaway’ teas. These teas will entice you with fancy flavors and names, only to end up drinking tea with an artificial taste and a bad aftertaste. Please note that your tee shouldn’t smell better than it tastes. This is a red flag that you need to be cautious of the ingredients next time you go shopping.

Avoid squeezing the bag

Yes, never squeeze the bag—and I’m sure that most of us have been guilty of assaulting tea bags at one point in life. I hope you get what I’m saying here—it’s like a scene in CSI Miami. To extract every last drop of awesomeness out of the teabag, you choose to strangle it with its string. Or you use the spoon to smash or squeeze it with all your strength against the cup.

On such shows, they call these actions blunt force trauma, which is a felony. And with tea bags, it’s the same thing—you are squeezing in bitter tanning into your cup, which is not good. Rather, you should gently and lovingly remove it from the cup. Always be kind to your teabag.

A cup of tea will always leave you hydrated

One common misconception that we grew up to was that tea is dehydrating. It’s not a surprise that’s why our parents told us to drink more water and less tea. However, it turns out they were wrong—only with that fact.

Tea will leave you dehydrated when it works as a diuretic within your body—and this can happen if you drink more cups in a single sitting. However, you should note that tea is healthier than water, especially when you factor in the additional health benefits it has over water.

How to store your tea

Naturally, tea is hygroscopic, meaning it can absorb all the surrounding odors. Thus, you shouldn’t expose your tea to air or light. Besides, you should always store your tea in an air-tight container, and store it separate from herbs, spices, and other teas.

Tea doesn’t go bad—unless it gets mold. However, just like spices, tea starts to lose its essential oils after a few years, which makes it less flavorful. While you can still drink the tea, it won’t be as tasty and aromatic as it was while fresh.

It supplies as much as 80% earnings substitute yet just for one to 2 years. Among the primary steps to take is to think about selecting a broker or representative. Lawsuits are usually the moment when customers are offered negotiation possibilities, a lot of times with arbitration or a Magistrate Negotiation meeting. With contested cases, there are possibilities to solve insurance claims prior to lawsuits is started, frequently without having the insurer’s outdoors attorneys included. When customer allures are not effective in returning them to assert standing, we are after that required to file a claim against the insurance provider to go after alleviation from the Federal Judiciaries? We do management allures on the part of our customers, supplying effective clinical Doctors disability insurance, occupational, legal, and accurate assistance for our customer’s evidence of loss while giving a solid defense to the decision made by the insurance policy firm.

We prosecute these issues in courts throughout the nation on the part of our customers, frequently taking a trip to support in one of the most desirable online forums offered to our customers. Customers frequently pertain to us with a deal provided by insurance policy business, generally on a case that has been spent for some duration of time, and also an acquisition deal has existed. Various other times, the insurer might look for an in-person meeting with the plaintiff, and our existence with a customer can provide excellent worth as we assist them with this adversarial procedure. We can usually assist in boosting the deal from the insurer and will talk about approaches and also issues worrying the deal and its effect. That person will additionally examine your clinical, economic, and also work documents.

Some insurers have created particular plans to make certain that if a medical professional experiences a handicap and also can function; a percent is paid to his month-to-month from what the medical professional will have gained as revenue if he/she was still on active duty. In those circumstances, we collaborate with inner resolution devices. Our job in these scenarios provides customer’s substantial security and also tension by elimination from the communications with the impairment insurance policy firm and its agents. Medical professional’s Special needs Insurance coverage Firm concentrates on functioning straight with medical professionals that wish to shield their capacity to gain revenue. After 67, you can still obtain protection up till the age of 75 if you’re still functioning full-time. Numerous Experts do not also look for advantages due to the fact that they have listened to scary tales concerning the number of individuals obtain rejected.

A summary of the types of chemical peel treatments available today

This article shows the uses and disadvantages of these acid skin peels and procedures.

The ever-increasing popularity of the beauty industry has brought facial rejuvenation to the masses. From the surgical to non-surgical, many are opting to take years off their look using some tried and tested treatments. For those who opt for a non-surgical boost to their complexions and reduce fine lines, chemical peels are a viable option.

Salicylic Acid

Salicylic acid is found in the willow tree’s bark and is used as a key ingredient in many of the skincare products around today. It increases the rate at which the cells of the epidermis shed, which in turn unclogs the pores and neutralises the bacteria inside. As it also restricts the pores, it helps to prevent them from getting clogged again. The use of salicylic acid is becoming more common in anti-dandruff shampoos due to its natural effect on the skin.

Uses for Salicylic Acid

Salicylic acid has proved useful in the treatment of:

  • Acne
  • Psoriasis
  • Warts
  • Keratosis pilaris

Salicylic Acid Treatments and Products

  • Peels
  • Medicated treatment pads
  • Lotions
  • Creams
  • Cleansers
  • Toners

Possible Side Effects

Some people can become sensitive to salicylic acid, which can result in several side effects, including stomach pain, fatigue, headaches, nausea, and diarrhoea to name a few. If you are sensitive to aspirin, it is recommended that salicylic acid should be avoided as they both have similar compounds.

It is not advised to use salicylic acid during pregnancy as it can cause birth defects and complications.

Skin can be sensitive after salicylic acid products are used, and sunscreen should protect against ultraviolet damage.

Glycolic Acid

This is a natural chemical derived from fruits, which can be found in many skin care products. It is this natural chemical that helps kill Propionibacterium, the bacteria which cause acne. Glycolic acid can lighten skin pigmentation caused by sun damage and stimulate collagen in the skin, helping to make lines and wrinkles less visible.

Uses for Glycolic Acid

Glycolic acid has proved useful in the treatment of

  • Wrinkles
  • Sun damage
  • Acne
  • Dry skin
  • Oily skin

Glycolic Acid Treatments and Products

  • Peels
  • Gels
  • Creams
  • Lotions
  • Cleansers

Alpha Hydroxy Acids (AHAs)

Alpha hydroxyl acids are derived from the sugars found in fruit and milk. They have been used as a skin rejuvenation treatment for centuries. These acids are used an effective exfoliant which can promote collagen growth. As a result, producing more even-toned skin and a reduction in fine lines and wrinkles.

Possible Side Effects

  • Increased sun sensitivity
  • Excessive redness
  • Swelling
  • Allergic reaction resulting in rash
  • Skin discolouration

TCA Peels

A TCA peel uses Trichloroacetic acid, which may help to remove superficial blemishes. It removes dead skin cells and promotes the regeneration of new cells.

TCA uses

  • Reduces fine lines and wrinkles
  • Soothes the skin
  • Reduces scaring over time
  • Can be used as a long-term treatment for severe acne
  • It has been used as an alternative to tattoo removal
  • Studies have shown its effectiveness in the removal and prevention of cancerous lesions.

Possible Side Effects

  • Redness and soreness (temporary)
  • Sun sensitivity
  • Milia- superficial white bumps which can be removed using correct ointments after peel
  • Scarring- rare but has been reported. Steroid injections can be used to treat post peel scars.
  • Herpes simplex infection- can be prevented by administering antiviral treatments 2 days before the peel.

Jessners Solution

Jessners solution is a combination of Salicylic acid, Resorcinol, Lactic acid, and ethanol. It is a superficial peel that is sometimes used before a deeper peel. This solution removes the top layers of the skin and promotes collagen production.


  • Balances irregular skin tone
  • Reduces the appearance of fine lines and wrinkles
  • Softens skin
  • Increases hydration
  • Acne treatment

Possible Side Effects

  • Increased sun sensitivity
  • Hyper pigmentation
  • Erythema

It is always important to consult your dermatologist or physician prior to any chemical peel. They will be able to advise which peel, if any, is the most suitable for you and your skin. Although chemical peels can offer dramatic results, it is important to remember the possible side effects and consider recovery time.

When you are looking for an all-around ingredient to add to any hair care products that has proven and outstanding hair benefits then it would have to be emu oil. Without a doubt the characteristics of the oil are amazing with how it penetrates through both the hair follicles and the scalp. Most hair shampoos have ingredients that are designed to sit on top of the hair and scalp. They coat it and this in itself causes a lot of different problems. Dimethicone based products can wreak havoc on the hair. As a matter of fact, many products that are designed to heal dry hair and scalp contain this but instead they end being the reason why the scalp and hair growth is so dysfunctional and the main reason why the hair is dry in itself.

Dimethicone easily burns when flat irons and curling irons are used on it. This means that the hair has dimethicone on it that was deposited from hair products including shampoos and conditioners – well that is why the hair is dry in the first place. This leads to a nasty cycle of dryness on the cuticle and also on the scalp.

Why not use emu oil? It is the most amazing ingredient for hair. It contains omega 3s which are necessary for the matrix to create and multiply the cells needed for hair to grow. Emu oil also penetrates deeper than any other oil and is loaded with natural humectants to get hair its absolute highest moisture content. This comes from the inside out and not just coated on the hair. So, you get faster hair growth and you get a much higher-level moisture content. Emu oil shampoo and conditioner can do this and much more.So, why aren’t you tying this yet. And by the way the benefits don’t stop there. If keeping your natural hair color is important then emu oil should be one of the main ingredients in the shampoos or hair products that you are looking for. Omega 3’s has also been proven to combat the hormones in the scalp that cause hair thinning and loss in both men and women. The list goes on. But know this. If you want your hair to be its healthier and defy the appearance of aging, then you really need to try a good hair shampoo and conditioner with emu oil in it.

Most of the plants are being used as medicine for various health related issues. Just like plants, you can find many seeds also will play major role in solving the health issues. According to the experts there are innumerable applications of cannabis or marijuana in medicine. As stated by the websites America and few countries    have legalized the use of cannabis for therapeutic purposes. Also, there are various restrictions in getting the medical cannabis and these rules vary in many countries. People who wish to use cannabis for medical purposes need to apply in order to get the herb through legal prescriptions as advised by the medical experts. Interested readers can read more about the health benefits of cannabis on the web world. The cannabis has its origin from central Asia in the olden days and spread to the American continent in the recent decades. However this herb cannot be grown or consumed directly by the people as the herb has been banned in many countries and used restrictively in America and other nations.

Few key medical benefits of cannabis

One can also buy medical cannabis by online by showing the prescriptions from the medical experts. Interestingly, even one get the right approval from the medical experts, the appropriate authorities can a final say in approving the application without assigning any reason. Only approved medical practitioners can prescribe this herb for the purpose of treating few health disorders. Here are the few benefits mentioned below:

  • Reduce anxiety:  As per experts the popular cannabis can reduce mental anxiety, since it has the ability to make some relaxing effect that can avoid many types of mental illness. Here the dosage seems to be the real key, and any improper dosage can be more dangerous to the patients.
  • Pain killer: Cannabis has the ability to reduce pain for the patients who are underling treatment for Hepatitis C, which is considered to be a disease that is hard to cure as well the treatment offers painful side effects. According to the recent observations people who are administered with cannabis could able to finish the said treatment .Perhaps, this is the real USP of this wonderful herb that can act as a pain killer for some bodily changes that occur after completing some specific therapies.

However, such patients should be properly examined by the medical experts before consuming cannabis in drug form.

The marijuana plant derived from the Hemp Family has been talked about extensively for the longest time in history and has been a part of many historic tales in different parts of the world and has brought in a lot of curiosity for the longest time.  If it is safe for public consumption and whether or not it should be legalised has been a topic of debate and discussion for the longest of times and has divided opinions of people all around the world. Some believe that its regular use can alter the state of mind of its users in a very negative way while others believe that it is a catalyst for channelling the creativity of the human mind and offers plenty of medicinal properties as well.

 The plenty of researches conducted across laboratories and research centres around the world have accepted the medicinal properties of the plant and have also found how it affects the mind of a person. It has been found out that the consumption of marijuana in a prescribed amount can help you fight with various illnesses and can even help in the fight against certain types of cancers as well. However, the regular consumption of marijuana in heavy doses can create a few issues as well. There are certain withdrawal symptoms that can occur after a frequent consumption of marijuana in hefty amounts and it can also trigger some mental issues that you might be prone to. So, it is a substance that should be consumed with responsibility and only in safe limits in a comfortable environment.

After the sale and consumption of marijuana became legalised in many parts of the world, there has been a rampant growth in the cannabis industry and there has been so much innovation that has come up in the past few years. There are plenty of options available for the consumers with different needs and different tastes. You can choose from the traditional form of the plant that can be consumed through joints and pipes, through different edibles that are available in the market and even in the vapour form through electronic vaporisers.  Also, you can also buy High Grade Seeds in USA from the different online stores and retail outlets and grow your own marijuana plants. There are so many High Grade Seeds available in the USA that have made growing marijuana a very easy task in which you don’t have to spend too much time and energy and get access to high quality marijuana at a fraction of the cost from what is available in the market. All you to do is provide enough light to the plant and the process takes place in a very automated way.

Are you looking for a hair transplant with no downtime? FUE hair transplantationis your ticket. FUE hair plant is not just another hair transplant. It helps bringing down hairline drastically lower. Any other hair transplant does bring the hairline lower too. The bald forehead is brought down time and again without much hassle.  Nevertheless, if you want to bring the hairline at least 1cm lower, you need something like Hue transplant. For people who consider their hairline is still a little bit too high, this is the procedure they need. It makes use of your own hair, which is something unique to this procedure. 

How FUE works

FUE stands for follicular unit extraction. To perform the FUE hair transplant procedure in Singapore, few steps has to be taken. Firstly, the hair on back of your head needs to be shaven. Secondly, the surgeon takes hair follicles from the scalp. You can notice mild marks where follicles have be removed. Thirdly, the surgeon makes small holes to graft hair follicles in the scalp. Finally, the surgical site is covered with bandage. Unlike FUE, other hair transplant procedures are not very straight forward. An alternative hair transplant treatment is Follicular Unit Transplantation (FUT), which is the most popular. It’s very different from the FUE procedure. 


The procedure can take anywhere from few hours to few days to complete. It solely depends on the efforts of surgeon. You will return home the same day of FUE. Once it’s complete, the surgeon removes bandages carefully. There may be swelling in the area, which will be treated with injected triamcinolone. Pain and soreness will be felt at the transplant site. It also feels similar in area where hair was taken from. For the following days, surgeon may prescribe pain medications, antibiotics, anti-inflammatories and hair growth stimulating medications. 

There are a few aftercare tips, which help with hair growth. Wait a few days to wash your hair after the procedure. Use mild shampoos only for the first few weeks. You can revert to normal lifestyle in less than 3 days. Do not comb or brush over new grafts for at least a couple of weeks. Do not wear hats or hoodies unless doctor says it’s fine. Avoid exercising for at least a week. Don’t panic if a few hairs fall out. It’s part of the process. In the first few months, the new grafts will not grow seamlessly like hairs surrounding it.

Side effects

The first side-effect you will notice is scarring. It is an inevitable part of the process. Other side effects include infections, scalp pain, bleeding, numbness, pus drainage etc. These side effects are less likely to occur. You can still continue to lose hair if the balding has started. Medications such as Minioxidil and Propecia can cause side effects too. The list includes dizziness, chest pain, headaches, swelling of arms and limbs, etc. To avoid such side-effects, a responsible doctor prepares your body against the possibilities. Find a reputed surgeon in Singapore for this work intensive procedure.