Urinary tract infections, also known as UTIs, affect millions of people around the world each year. The standard treatment for these infections is antibiotics, which will resolve the infection.
However, some people would prefer not to take antibiotics, especially if they suffer from frequent infections. Although cranberries aren’t used to treat a UTI, they do appear to be an effective remedy to prevent infections from recurring.
A Natural Treatment To Avoid Painful Infections
Many studies have looked into the benefits of using cranberries for the prevention of urinary tract infections. Treating these infections with antibiotics can be expensive and some doctors also prescribe antibiotics for those who suffer from recurrent infections.
However, antibiotics may take several days to begin working. Urinary tract infections are painful as well, and most people would prefer to avoid suffering from one whenever possible.
How Cranberries Work to Prevent UTIs
Researchers have studied why cranberries help prevent urinary tract infections. They found the berries seem to work by keeping harmful bacteria in the urinary tract from sticking to other bacteria. This keeps the bacteria from being able to multiply and grow. The beneficial ingredients in cranberries often begin working in the urinary tract within less than half a day.
Cranberries Offer Most Benefits For Women
Cranberries seem to be particularly helpful for women who suffer from repeated UTIs. Various studies looked at the results men, women and children had when using cranberries to improve the health of their urinary tract. Women seem to benefit the most from using cranberries, or cranberry products, though they seem to be helpful for just about everyone.
Stick With Cranberries To Get Results
Consistent use is the most important factor in determining whether cranberries will improve the health of a person’s urinary tract and help to reduce the incidence of infections. In some studies, people stopped using cranberry juice because they didn’t like the taste.
In such cases, cranberry pills could offer similar benefits. However, it’s important to know how potent the pills are if they will be used to prevent UTIs.
Although small studies showed better results from using cranberries and cranberry products to prevent urinary tract infections, when compared with other treatments, larger studies didn’t show the same results. However, cranberries have been said to be about as effective as antibiotics when it comes to preventing infections. For those who would prefer an alternative to antibiotics, cranberries can be a good substitute.
As if homeowners who are facing foreclosure don’t have enough to worry about, a multitude of loan modification scam artists have invaded the internet, public files and even foreclosure notices in newspapers in hopes of targeting their next victim. By identifying the top three modification scams and learning how to avoid them, at-risk homeowners can protect themselves (and their homes).
Never Pay For Mortgage Modification Assistance
Many desperate homeowners fall victim to scam artists who offer to provide them with assistance in the loan modification process for an exorbitant fee. Many times the scam artist who promises to provide assistance will require that the homeowner pay the fee upfront, after which they will provide very little assistance or simply take the money and run. Consumers should be aware that assistance and counseling services are offered for free through a number of reputable HUD approved counseling agencies.
Avoid Transferring The Deed
One popular scam that at-risk homeowners often face is the property deed scam in which scam artists promise to purchase the home in question, agreeing to let the desperate homeowner rent it out. They suggest that turning over the deed to a borrower with a better credit rating will offer additional financing opportunities, thus preventing the loss of the home. The scammer often promises to sell the home back to the homeowner, but in reality has no intention of doing so.
Many times the scam artist will sell the home to another buyer. In some instances, the crook will collect any processing fees, take the title to the home and any equity, and then leave the home to default. It is a good idea for consumers who are approached with a property deed scam to report it to the FTC.
Ignore Unrealistic Promises
Mortgage modification scammers often make promises to do such things as negotiate a solution to the foreclosure more quickly, process mortgage payments for the consumer while the negotiation is being worked out, or even guarantee a loan modification. Since the actual lender is the only one who can agree to a loan modification, and this solution requires additional processing time, overnight fixes are almost always scams. Additionally, consumers should never make mortgage payments to anyone other than their lender.
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Last week’s housing related news was minimal, but a Federal Reserve survey of senior loan officers revealed that although credit standards for commercial and industrial loans as well as credit cards are easing, current mortgage credit standards are more stringent than in 2005. This could be a contributing factor to slowing housing market gains while other sectors of the economy are recovering at a faster pace.
Qualified Mortgage Rules Impact Non-Conforming Mortgages
The Senior Loan Officers survey also noted that qualified mortgage rules have slowed approval of prime jumbo mortgages and non-traditional home loans. This suggests that applicants falling outside of stringent qualified mortgage rules can expect challenges when buying or refinancing their homes.
In other housing news, Freddie Mac’s Primary Mortgage Market Survey reported that last week’s mortgage rates were mixed. Mortgage rates for a 30-year fixed rate mortgage averaged 4.14 percent with discount points of 0.70 percent against last week’s reading of 4.12 percent with discount points of 0.60 percent. 15-year mortgage rates averaged 3.27 percent with discount points of 0.60 percent. This was an increase of four basis points, although discount points fell from 0.70 percent to 0.60 percent. The average rate for a 5/1 adjustable rate mortgage was 2.98 percent, a drop of two basis points, with discount points unchanged at 0.50 percent.
Fewer Jobless Claims, Service-Related Business Growth Exceeds Expectations
The weekly Jobless Claims report brought a lower than expected reading of 289,000 new claims as compared to predictions of 305,000 new jobless claims. In other economic news, the Institute for Service Management (ISM) reported that its non-manufacturing index rose from June’s reading of 56.00 percent to 58.70 percent in July. Analysts had forecasted July’s reading at 56.50 percent. July’s reading represented the highest growth rate for service-related businesses since 2005.
According to the Department of Commerce, June factory orders rose by 1.10 percent over May’s reading of -0.60 percent against an expected reading of 0.60 percent. As business expands and factory orders increase, it’s likely that jobs and hiring will also grow. Steady employment is a compelling factor for most home buyers and positive reports in labor and industrial sectors could boost housing markets as more buyers increase demand for homes.
Next week’s economic reports include retail sales, retail sales excluding automotive, industrial production and the weekly reports on mortgage rates and new jobless claims. While there isn’t much housing news expected next week, readings in other economic sectors can suggest potential trends in housing markets
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