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Are your debts getting out of control? Are you unable to manage your multiple debts? If your debt is giving you sleepless nights, it is important to seek help quickly. Remember, ignoring your debts won’t make them go away. It will only make things worse.

If you are in debt, here is a list of questions you should ask yourself:

Question 1

Are you finding it difficult to meet your monthly repayments?

Answer

Consider rolling all your multiple debts into one monthly repayment. It will:

>> Reduce the amount you pay each month; and

>> Make your debts easier to manage.

Question 2

Do you have multiple debts (i.e. mortgage loan, credit cards and store cards)? Are you having trouble managing these multiple debts?

Answer

Multiple debts means:

>> Paying multiple sets of interest; and

>> Finding it hard to stay on top of your multiple debts.

So, consider consolidating your debt because it will:

>> Enable you to keep track of your debts; and

>> Enable you to pay down your multiple debts.

Question 3

Do you have negative listings and defaults listed in your credit file?

Answer

If you do have a bad credit history, you will find that your loan options may be limited.

Question 4

Do your multiple debts have high interest rates?

Answer

Consolidating your debt should enable you to get a loan with a lower interest rate.

Question 5

Do you have equity in your home?

Answer

If you do have equity in your home, you may be able to use it to pay down all your multiple debts.

Question 6

When is it the best time to consolidate your multiple debts?

Answer

You can consolidate your multiple debts:

>> Whenever you consider you are ready; and

>> When you are unable to manage your multiple debts anymore.

Before you Borrow

If you are thinking of borrowing money, here is a list of steps you should consider and which may help you:

Step 1

Use a budget planner to work out what you are spending now.

Step 2

Use a borrowing power calculator to calculate:

>> How much you can afford to borrow; and

>> If you can afford the repayments.

Step 3

If you decide to borrow, shop around for the best deal and take time to compare:

>> Interest rates;

>> Product features on offer; and

>> Fees and charges.

Step 4

Know who you are dealing with. This means anyone engaging in credit activities (e.g. anyone providing credit or providing credit assistance to you) must give you:

>> A copy of the “Credit Guide”; and

>> A “Credit Proposal Disclosure Document “(CPDD), with the required information listed such as their Australian Credit license (ACL) number, fees and details of your right to complain.

Case Study

Judith is a single mum with two children. She is struggling to pay her multiple debts and her payments are now three weeks in default.

Judith met a professionally qualified finance broker who was able to help her:

>> Negotiate a one loan repayment plan;

>> Reduce her monthly repayments; and

>> Save her money on interest charges.

The benefits available to Judith are best illustrated in the following simple example. The example assumes that Judith has a mortgage loan of $300,000 and a credit card with a credit limit of $12,000:

Example of Getting Out of the Debt

From the example above you can clearly see that:

Judith has saved interest of: $91,003.00

Judith’s monthly repayments will be reduced by: $401.00 per month

So, if your debts are getting out of control or you are struggling to make ends meet. It is important that you seek help from someone who can fix your debt problems. This is the time for you to contact a professionally qualified finance broker who will help you to obtain a loan for consolidating debts with:

>> One monthly repayment; and

>> One lower interest rate.

Useful Tip

Avoid seeking help from someone who makes unrealistic promises about getting you out of debts or who advertises that they can help you, no matter how much you owe. Remember to choose a reputed, qualified and experienced finance broker who will go the extra mile in solving your problem.

Singh Finance is a reputed Australian finance brokerage firm that employs a team of expert and professionally qualified finance brokers who will obtain a pre-approved loan to consolidate debt. Call on 0424 190 908 today or enquire online now.

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Capsicums are an excellent addition to your diet, whether stuffed, sautéed, or raw.

Capsicum is a native American plant that is now cultivated worldwide. They are available in various colours, including green, yellow, and red.

The name capsicum is primarily used in New Zealand, India, Singapore, and Australia. These coloured peppers have a milder flavour than their green counterparts. They are called bell peppers in South Africa and North America.

Capsicum can be served raw and cooked in salads, meats, and rice dishes. This blog will explore the several health benefits of capsicum, including weight loss.
What Are The Capsicum’s Health Benefits?
Here are some of the health benefits associated with capsicum. Have a peek!

Contributes To Calorie Burning
Capsicum increases metabolic rate by inducing thermogenesis. In addition, the chemical capsaicin causes spiciness, boosting calorie expenditure and aiding in weight loss.
Contributes to Detoxification
Capsicum reduces mucus production in the lungs, which keeps the airways free and facilitates the elimination of pollutants through perspiration. Thus, it assists in lung detox.
Beneficial To Eye Health
Rich in vitamin A and beta-carotene, capsicum improves eye health by enhancing eyesight. Additionally, it is abundant in the pigment lutein, which protects macular degeneration. In addition, vitamin C in the eye prevents the formation of cataracts.

Carotenoids found in relatively high concentrations in bell peppers, lutein and zeaxanthin may benefit eye health when ingested in sufficient quantities. According to a National Centre for Biotechnology Information (NCBI) study, they prevent oxidative damage to the retina, the light-sensitive inner lining of the eye.
Reduces Cancer Danger
Capsicum is rich in anti-inflammatory and antioxidant qualities, which combat free radicals caused by oxidative damage in the body. Additionally, capsicum contains sulphur compounds that lessen the risk of oesophagal and stomach cancer. In addition, the lycopene carotenoid protects against pancreatic, prostate, bladder, and cervical cancer.
Enhances Immunity
According to the article on vitamin C research, capsicum’s vitamin C and K content enhance immunity by lowering arthritis and improving joint flexibility. Additionally, vitamin K helps prevent blood clotting.
Enhances Heart Health
According to a 2017 survey, persons who eat red hot chilli peppers nearly every day had a lower risk of mortality than those who did not.

This is due to the presence of flavonoids in the skin of capsicum and other related vegetables, which are protective against coronary heart disease and obesity.
Treats Digestive Problems
Capsicum is abundant in tannins, which treat digestive disorders such as diarrhoea and dysentery, thereby protecting the gut lining.

Numerous studies have shown that capsicum stimulates stomach mucus formation and aids in treating peptic ulcer disease.
Controls Hypertension
Capsicum is high in potassium, which aids with hypertension management. Additionally, potassium reduces bodily bloating and swelling. In addition, the potassium in capsicum improves muscle function.
Reduces the appearance of ageing
By lowering oxidative damage, vitamin C and antioxidants in capsicum reduce the onset of ageing. Additionally, it minimises wrinkles, fine lines, and skin allergies.

Prevents Anxiety
Capsicum’s magnesium and B6 concentration prevent premenstrual anxiety in women, which is triggered by the premenstrual phase. Vitamin B6 is a natural diuretic that lowers water retention and bloating.
Nutritional Value Of Capsicum
These nutrients are present in 100g of capsicum:

Calories – 26kcal
Protein – 0.99g
Fat – 0.3g
Protein – 0.99g
Fibre – 2g
Potassium – 211mg
Sodium – 2mg
Vitamin C – 123mg
Vitamin A – 55mcg
Beta-carotene – 328mg
Folic acid – 52mcg
Capsicum Recipes
Here are the two most common recipes for capsicum that you should attempt.
1. Schezwan Fried Capsicum
A crispy side dish flavoured with Szechwan sauce and savoury spices.
Ingredients
Capsicum- 2, chopped in strips
Ingredients Oil- 1 tsp
Green chillies- 1 chopped
Ginger garlic paste- 1 ½ tsp
Schezwan chutney/ sauce- 1 ½ tsp
Spring onion- 1, medium chopped
Corn flour- 1 ½ tbsp
Water, as required
Salt, as per taste
Method of Preparation
Add salt and water to corn flour to create a thick slurry.
Dip the capsicum strips in it, and after dipping each strip in the slurry, cook them in the microwave until they are crisp.
Heat the oil, green chilli, ginger, and garlic paste in a deep skillet for two minutes.
Add the chopped green onions and cook for one minute.
Add the Szechwan sauce and simmer for 30 seconds.
Add the air-fried or microwaved capsicum to the pan, sauté for one minute, taste for seasoning, remove to a serving dish, and serve the crisp schezwan-stuffed capsicum.
2. Capsicum Chutney
Capsicum chutney with a south Indian flavour served with dosa or idli.
Ingredients
Sesame oil- 1 ½ tsp
Chopped capsicum- ½ cup
Sesame seeds- 1 tsp
Chana dal- 1 tsp
Udad dal- 1 tsp
Curry leaves- 5-6 leaves
Kashmiri red chilli – 1 big
Grated fresh coconut- ⅓ cup
Hing- 1 pinch
Mustard seed- ½ tsp
Tamarind pulp- 1 tsp
Salt, to taste
Method of Preparation
Add 1 tsp oil, urad dal, and chana dal to a skillet, and sauté for 1 to 2 minutes, until the colour changes.
Add the dry Kashmiri chilli, sesame seeds, hing, curry leaves, and sauté for one minute.
Add chopped capsicum and salt for four to five minutes over medium heat.
Add tamarind pulp and grated coconut for one minute.
After cooling the ingredients, puree them in a blender to create a homogeneous paste.
In a skillet, combine oil, mustard seeds, and curry leaves.
Allow the seeds to sputter, then pour the tempering over the chutney and serve alongside idli or dosa.
The Final Say
Capsicum contains numerous nutrients, including vitamin C, B6, iron, potassium, etc. It is one of the healthful vegetables that may be eaten cooked or raw and contains a significant amount of antioxidants. However, excessive use of capsicum might cause acid reflux and gastrointestinal distress in specific individuals.

To enhance your knowledge, go to the reference link.

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