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Texas Primed to Overhaul their Loan Legislation in 2021

Julie

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As you may know, for most loan companies the way in which they distribute loans is regulated by the state. This is true for the state of Texas, though some cities may differ in the small details of their loan legislation due to regional ordinances.  In the upcoming months, Texas is due to overhaul its current loan legislation. Here is why they have decided to make these changes and the differences you will expect to see with this change in loan legislation.

 

Why are they overhauling their loan legislation?

The main reason that Texas has decided to make changes to their loan legislation is because of the economic crisis that has been caused by the pandemic.  Due to a halt in the movement in companies, there has been less economic investment in Texas and the economy looks as though it is heading into a recession. Because of this, Texas is no longer able to offer loans to the degree that they were previously able to offer loans, simply because they can not afford it. The main focus of Texas right now is balancing the books and the best way they can do this is by ensuring that they are not offering money to people who are unable to afford it.

 

What will change?

Texas will no longer give out substantial loans unless you have proof that you are able to pay them back. Specifically, they will not be as liberal as they have previously with giving people mortgages unless they are able to provide a substantial deposit. For many people, this is an impossible task, which means that not many people will be taking out mortgages. Though this may appear to be unfair, it will be really beneficial for the Texan economy. There have been too many instances of people taking out a mortgage and then having their homes foreclosed due to being unable to pay their scheduled payments. Limiting the number of people taking out loans that they are unable to repay, means that Texas’ economy will be much more stable in the long run.

 

Guarantors

With the loan legislation changes, there will also be an increased demand for home-owning guarantors. Previously you were able to use a guarantor that didn’t own their home. For some people, this meant that they were able to get a loan easily, but for the bank, this meant that they would lose out on money if the person who took out the loan was unable to pay how much they borrowed. Having a homeowner guarantor meant that they could have assets that they could fall back on.

 

What will this impact

Those that will be affected most by the change in loan legislation are those on a lower income with fewer collateral objects to offer as compensation. Texas is becoming much more selective with who they are giving loans to because they need to know that they will get the money that they have given away back. Something that they have chosen to do instead of simply providing cash loans is promoting title loans. Title loans are much more secure for banks as it allows them to have ownership of the vehicle of whoever took the loan out. Having ownership of someone else’s property serves as an incentive for them to repay the loan quickly. Usually, when implementing these loans, they will also add a large amount of interest on top. This will usually encourage people to pay their loans back faster, as the longer it takes for you to pay the loan back, the more expensive the interest will be.

 

If you are someone who is looking to apply for a loan but you are unsure whether or not you will qualify, don’t worry. You can take simple surveys online to find out how to qualify for a texas title loan. If you don’t fit the criteria at the current time, this doesn’t mean you won’t in the future, and knowing the current criteria means that you will be able to make changes to your lifestyle. It is also important to note that the laws just changed and there is any chance they will change again, so try to stay informed.

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New Study Suggest Giving Presents Releases More Endorphins than Receiving them

Julie

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It is almost entirely impossible to deny that one of the best feelings in the world is receiving a present. We all wait in anticipation for events such as birthdays and Christmas, eager to see what we have been lucky enough to receive from our close friends and family. We feel this way due to the flood of endorphins that we get every time we open a present. However, you may have noticed that you don’t just experience this feeling when you have received a present. You will also experience this exact same feeling when you watch a loved one open up a present you have gotten them. You may not have noticed this before and instead, put it down to the nerves or anxiety caused by the fear of your loved ones not enjoying their gift.

 

What you are in fact feeling is a rush of endorphins, but what exactly are endorphins?

 

What are endorphins

Endorphins are actually produced naturally by your nervous system as a way of combating anxiety or pain. If you have been in a situation where you have accidentally hurt yourself, you may have noticed a sudden rush of ‘adrenaline’ that made the pain feel less severe, this is in fact endorphins.  Though endorphins can be produced from several parts of your body, the main source of endorphins is your pituitary glands.  Everyone produces a differing amount of endorphins naturally and those of us that produce a lower amount of endorphins are more susceptible to conditions such as depression and anxiety. However, there are activities that you can do that will make you produce more endorphins.

 

Activities that lead to the production of endorphins

 

Exercise

Though I’m sure a lot of you dread the idea of having to do exercise to receive more endorphins, exercise is arguably one of the most effective ways you can trigger the production of them. If you have ever been running, you may be familiar with a feeling that is referred to as ‘runner’s high’. This is an immense feeling of euphoria after completing a long run which is caused by the fast release of a lot of endorphins. Exercise is so effective that if you are someone that suffers from low-level anxiety, doctors may prescribe that you complete some moderate exercise.

 

Humour

A really simple and effective way to release endorphins actually comes through laughing. If you are in a position where you feel as though your endorphin levels are low, a quick fix will be watching a funny video you like or even reading a few bad jokes. The more you laugh, the more endorphins you release so why not settle in and watch a full comedy special?

 

Eating

Even having a small taste of the food that you love will encourage your brain to produce more endorphins. This is because as humans we have naturally positive associations with certain foods, especially those that we enjoy the taste of. Eating these foods will boost your endorphin levels and make you feel much more energized.

 

Giving

The main focus of this article is how giving can be an extremely effective way of boosting your endorphins. There have been dozens of scientific experiments carried out to test which activities can lead to a boost in endorphins and giving a gift came up as one of the most effective ways of doing so. Being able to measure endorphin levels has only been possible during the last decade and one of the ways they are measured is through the use of an MRI scan.

 

An experiment was carried out consisting of a man in an MRI machine, giving a gift to another person. Scientists found that there was increased activity in the reward center of the brain and endorphin levels skyrocketed much more than when the man had received a gift.  Scientists labeled this increase in endorphins as the ‘helper’s high’ and can be compared to the feeling that you get after doing a long run.

 

If you are someone that suffers from low endorphin levels, it would be recommended that you don’t try and skimp out on the gifts this year. If you have the money, why not get your parents a nice bottle of wine and your nieces and nephews some spielzeug für kleinkinder. Not only will they be grateful for the nice gift, but you will also benefit too.

 

 

The benefits of increasing your endorphin levels

You may be wondering why it is even worth trying to improve your endorphin levels, here are some of the many benefits of increasing your endorphin levels.

 

Reducing stress and anxiety

If you are someone that finds themselves easily overwhelmed and anxious, then you will benefit from completing activities that increase your endorphin levels. When your endorphin levels increase, you usually feel a flood of happiness and calm. This can be very useful when dealing with stress and anxiety.

 

Weight reduction

Something that a lot of people don’t know is that boosting your endorphin levels can actually help to reduce weight gain. When you are stressed and upset, your appetite is often negatively affected. This can cause you to either overeat or not eat enough, which can lead to weight gain. Endorphins help to regulate your appetite and can prevent you from gaining weight. Endorphins are also released through exercise, which when done enough can prevent weight gain.

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This Small Community Is Tackling Mental Health Stigmas Through Poetry

Julie

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Mental health issues have really come to the forefront of the public eye in recent years. In the past, a lot of mental health issues would have been written off as something else or simply put down as madness. Millions of people throughout history have been imprisoned or killed because of what we now know to be nothing more than an illness.

But we are a much more enlightened society now. With our improved medical technology, we can examine what is going in inside our minds and utilize both advanced medicines and therapy tactics to help combat these devastating conditions.

It is also a sad truth that these days more and more people are presenting with mental health issues. Due to a combination of increased global uncertainty and social media exposing us to distressing imagery that can adversely affect us. But despite the increased number of people who now suffer from it, there is still a massive stigma attached to mental illness.

The Stigma

It wasn’t that long ago that medicine still considered mental conditions taboo. And this stigma still stands. A lot of people talk about how they are supportive of those with these conditions, but when it comes down to it most people are uneducated and afraid of these illnesses when their symptoms present themselves in others.

It is still considered rude and hurtful for someone to shut themselves off from others when in reality that person is battling horrible depression. People avoid friends who lash out at them or have random bursts of intense emotions, but these are simply symptoms of bipolar disorder and cannot be helped.

No matter what it is, our society still looks at those who suffer from mental illnesses with a cautious eye, while offering them support with their voices. This dual mindset is often alienating to those who suffer as they can often see through the shallow gestures.

 

Liverpool

Liverpool is at the forefront of creativity and compassion. The cities residents are some of the nicest on the planet and they work tirelessly to combat issues such as homelessness and mental health. A few years back there was an inactive where a group of Liverpool creatives worked with homeless people to create poetry books. The profits from these books went to help the writers, while also seeking to raise awareness about the stark realities of being without a home.

And now it seems these same people are turning their poetical talents towards combatting the negative stigmas associated with mental illness. The idea is to put together a number of collections written by people who suffer from extreme mental illnesses. They are working with a few hospitals and mental health charities to put this together, looking to put all the funds from the book sales back into these charities.

The Power of Poetry

Poetry is an extremely powerful tool. It can help us find the best love quotes to help you say i love you to that special someone in your life. Poetry can lift us up to new heights or bring us down to the darkest depths. And it is also a great way for a writer to share their emotional and physical experiences in a subtle and emotional way.

It is with this power the collective seeks to destroy the stigmas surrounding these issues. The poems will be raw and emotional looks into the harsh realities of mental illness. The idea is the reader will be able to get a feel for what it is like to live with these conditions, but without having to experience it themselves.

It also seeks to remind people that those who suffer from these conditions are not defined by them. It is not their personality. They are individuals with hopes and fears and aspirations like anyone else. This project seeks to remind people of that. To have them look at their accomplishments and their talent, rather than their illness.

We have big hopes for this project. We personally think it is an extremely worthwhile endeavor that will shed a lot of light on a subject that has remained in the dark for far too long. But what do you think? Will you be giving it a read?

 

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How One YouTuber Raised Over a Million Dollars for Charity

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Korean-American YouTuber Markiplier (Mark Fischbach) was originally born in Honolulu Hawaii but was raised in Ohio in the United States by his mother and father. In 2008, whilst Mark was only 18, his father suddenly passed away from lung cancer. His death affected him more than he initially realized it had. After creating his soon to be unbelievably successful YouTube channel, Markiplier, Mark started off sharing videos of him playing a variety of games and creating a loud and hilarious online persona that seemingly matches his personality very well. Mark has been creating videos since 2012 and since then his channel has grown exponentially, currently amassing over 28 million subscribers as of January 2021.

 

Unus Annus

Mark’s most recent venture has been his joint channel with fellow YouTuber Ethan Nestor (@crankgameplays) in which the two combined their forces and personalities to make the legendary channel, Unus Annus. The title, translating from Latin as ‘One Year’, was exactly what it said on the tin. The two created the channel towards the end of 2019 with the sole purpose of releasing one video, every day for the next year. Only for the one year anniversary of the channel to be marked with the deletion of the channel and all its content and memories. The tagline of the channel was the Latin phrase, ‘Memento Mori’ which translates to ‘Remember Death’, in this case referring to the eventual death (deletion) of the channel.

Much to the delight of all the fans that had amassed for the channel, the boys kept to their word and managed to post a video every day for an entire year, which was no easy feat. They both claimed that although they could keep the channel going and could still make money from leaving the videos there to gather dust, it would be far more special to explore the philosophical idea of impermanence and create something with a ticking clock. Something people knew would disappear from the moment it was created. To commemorate the anniversary and subsequent deleting of the channel, Mark and Ethan hosted a 12-hour Livestream in which they reflected on the many hilarious moments and memories they had gathered from the channel and experience. The channel was laid to rest on November 14th, 2020 at 12am PST.

 

Charity

One thing that has been a consistent feature of Marks channel year after year is his charity live streams. Since 2012, Mark has hosted countless charity live streams for various lengths of times for a wide variety of charities from breast cancer awareness to raising money for impoverished children to receive toys. From personal donations to causes to money raised from audiences in his fundraisers, Mark is certainly up there as one of the most charitable YouTubers. The beautiful thing about charity streams is that with the right equipment, anybody can do them. If you aren’t sure where to start looking, audio-direct reviews everything related to audio and can give you some ideas for better quality mics for a more affordable price. As long as you have a decent quality mic, you can try out charity streaming for yourself.

 

A Ture Icon

Whether it is an hour-long charity stream or a 12-hour stream for charity, Mark still manages to give his all and try to entertain his audience for as long as possible to raise as much money as he can for his chosen charity. An estimation of the total amount he has raised over all of his charity streams and fundraisers by Forbes is well over $3 million, which for one YouTuber over the last 8 years is absolutely incredible. Mark also often combines forces with his other YouTuber friends to create even larger charity streams reaching a wider audience. Whilst Mark is often determined to meet the goal he sets for the charity fundraisers, he makes a point of asking the viewers to only donate within their means. If people aren’t in a position to donate financially, they’re still able to help contribute by sharing the link to friends and family that maybe aren’t familiar with Mark or aren’t aware of the stream so that it can reach as many people as possible.

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