4. Consider Making a Higher Down Payment Making a higher down payment on a home will reduce your mortgage, but there are definite pros and cons, according to Dr. Nothaft.

”The pro of putting down more money is that you can often obtain lower-cost financing,” he says. “High down-payment loans—that is, low loan-to-value ratio—represent less default risk to a lender, and are safer. That may translate into a lower interest rate or obviate need for mortgage loan insurance.

“The con,” he continues, “is that it may result in borrower having to delay a home purchase, because borrower does not have enough liquid assets to make a larger down payment. Low down-payment loans are especially important for first-time home buyers, who typically do not have financial wherewithal to make a large down payment.”

5. Select Your Lender Carefully As in any industry, there are “bad apples” who ruin reputations of respectable professionals. In mortgage business, these folks are known as “predatory lenders”—individuals who take advantage of vulnerable consumers. Those most prone to becoming victims include ill-informed, elderly, women, minorities, low-income buyers and consumers with bad credit.

To avoid becoming “prey,” select a lender with solid credentials. You can secure a referral from your bank or credit union, real estate agent, government housing agency, or friends and relatives who have successfully purchased homes.

Never trust a mortgage offer that arrives via email, as it likely originated from a spammer.

---- Mortgage Relief specializes in assisting Australian families with mortgages by making their monthly repayments more manageable and decreasing their overall debt and total interest paid over life of their mortgage. Mortgage Relief is a mortgage refinance provider that it part of Australia’s largest Debt Relief™ organization. Visit Mortgage Relief on web at http://www.mortgagerelief.com.au or contact them directly on 1300 789 014.

The overwhelming new cases of diabetes in world today are result of insulin resistance. Physicians are busy treating blood sugars rather than underlying problem, which is insulin resistance. Diet, exercise and potent nutritional supplements all improve sensitivity to your own insulin and are critical in preventing diabetes from occurring or if you already have diabetes, helping control your diabetes.

Health Enemy #5: Osteoporosis FACT 25 north Americans suffer from osteoporosis

Osteoporosis and bone health not only depend on estrogen and calcium, but on a wide range of nutrients, including vitamins B6, C, D, K, folic acid, magnesium, manganese, zinc and copper. Failure to meet one or more of these nutrient needs could result in accelerated osteoporosis. Maintaining strong and healthy bones should begin early.

Health Enemy #6: Arthritis FACT over 165 million people have some form of arthritis More than 70 to 80 percent of population over 50 suffers from degenerative arthritis. Non-steroidal anti-inflammatory medication does nothing to slow down progression of disease and is responsible for over 100,000 hospital admissions each year with 16,000 deaths. Glucosamine sulfate along with complete and balanced nutritional supplements on other hand, actually slows down degenerative arthritis and is even able to increase cartilage within joint, without dangerous side effects.

Health Enemy #7 Alzheimer’s FACT An estimated 29 million people suffer from dementia

Alzheimer’s dementia has been shown to be caused by oxidative stress. Patients who have highest intake of antioxidants, which combats oxidative stress have lowest risk of developing Alzheimer’s dementia. I believe that best way to protect yourself from development of these neuro-degenerative diseases is by taking highly potent nutritional supplements.

Health Enemy #8 Obesity FACT For first time in history of United States and other industrialized nations there are more people who are obese than are of normal weight

Researchers are beginning to realize that one of main causes of obesity is insulin resistance. Eating in such a way as not to spike your blood sugar, modest exercise, and nutritional supplements all improve insulin sensitivity. This triad of healthy lifestyles has a side affect of fat loss.

Health Enemy #9 Skin Cancer FACT A five-fold increase in almost all types of skin cancer has occurred over past two decades

Recent medical research indicates that skin cancer is caused by oxidative stress. To combat this problem it is important to choose a sun screen that protects us from both UVA and UBV sunlight and to use high quality antioxidant nutritional supplements to fortify our own antioxidant defense systems. It is also vital that we use skin care products that are natural and contain a full array of antioxidants.

The good news is, there is a way to figure out exactly what your body needs and with a little research you can find a company that can supply all your supplemental needs and by taking right combination of vitamin supplements you will help protect your body and mind from these 9 deadly health enemies that are sending people to an early grave.

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