Bad Credit Myths vs. Facts: How Pre-Approved Auto Loans Break the Myths?

It takes years to build a good reputation and only a few mistakes can cause a disaster. The same ideology applies to your credit score. A few serious mistakes such as missing a payment or two on your loan could take years to repair the damage. But, a bad credit score is not the end of your world. A handful of misconceptions and myths revolve around a bad credit score. And, they discourage people from taking action to improve their credit score. With the help of pre-approved auto loans, you can break those myths.

Forget the Bad Credit Myths; Focus on the Facts

1) Myth: Taking an auto loan will worsen my already weak credit score

Fact: Applying for an auto loan with a history of damaged credit will increase your debt-to-income ratio. However, it is not an indicator that obtaining an auto loan will worsen your situation. In fact, with the help of a pre-approved auto loan, your credit score can increase over a period of time. Timely monthly payments are the key to not only stabilizing but also improving your credit score.

A bad credit score may bring the possibility of high interest rates. However, a pre-approved auto loan contains the advantage of pre-negotiating the interest rate that eliminates any last minute surprises and helps you to efficiently plan your future expenses. Therefore, a pre-approved auto loan will help you to increase your credit score.

2) Myth: A poor credit score means no lender will work with me

Fact: In the case of bad credit history, bank financing is dicey. On the other hand, there are numerous online lenders that specialize in bad credit auto financing. Despite you having a bad credit score, these lenders wish to increase their business and will grant you an auto loan.

Credit scores vary from one individual to another. So, a lender may even willingly give you a pre-approved auto loan if your score is higher than the other applicants. As many applicants have zero credit score, you stand a greater chance at obtaining a pre-approved auto loan.

3) Myth: The first auto loan deal is the best deal

Fact: Many people fall prey to the thought that bad credit means no bargain. A damaged credit history compels people to take the first deal that the lender offers them. However, comparison shopping is the best method to get the lowest price.

You must study the current market before making a decision. Always have two or three competing offers to help you leverage the best deal. A pre-approved auto loan will help you in negotiating effectively as you will have a realistic price in mind. Moreover, researching the interest rates and the price of the car you wish to buy will assist you in getting the most out of your pre-approved auto loan.

Many myths exist when it comes to bad credit. The fear of a weakened credit score, inability to search for a lender and dismissing comparison shopping are a few myths that need reevaluation. When it comes to buying a car with bad credit, do not discard the option of pre-approved auto loans. Remember to understand your situation thoroughly and work with lenders who do not shy away from helping people with damaged credit.

Exploring the Beautiful Manaslu Trekking Route

Nepal is the one stop shop for adventure junkies that find thrills from diverse trekking trails. It is no surprise that trekkers from all over the globe come to Nepal each trekking season to admire a trip that permits them to enjoy a lovely blend of culture, art, nature and adventure. From Everest panorama trek to adventurous Annapurna trekking – Nepal has it all. Although Nepal is a renowned trekking country today that permits travelers to relish the different terrains alongside its diversity of flora & fauna, it was not always so. It was not until 1991 that all parts of the hiking areas were opened to the travelers. Since them plenty of trekking areas on the edge of Tibet and Nepal have opened for tourists. And Manaslu circuit trekking is one of them.

The Manaslu trekking route is a beautiful trek best renowned for its unity & preservation. This province witnesses very few tourists so that the routes are less swarmed making the trip a tranquil, natural and lovely experience ideal for those looking for an escape from the regular hustle and bustle of life. Not only the mesmerizing natural splendor, but the classic Sherpa and Tamang settlements with their exclusive customs are another major highlight of the journey. The Manaslu trekking tour commence from Kathmandu. The whole route us embellished with the ideal sights of the snow covered mountains, exceptional unification of opulent cultural legacies and adventure amid vantage points with unmatched splendor & unusual bio-diversity. Mount Manaslu standing at 8156 meters is the highest summit in the region which is also the 8th highest summit in the globe. The Manaslu province is popular for its high-altitude frozen lakes, charming flora & fauna, cultural variety and opulence which make it the most preferred destination for hikers all over the planet. The typical circuit trek starts at Arughat and concludes at Bulbule and needs a climbing permit to tour all the way via the Manaslu region.

The total duration of the Manaslu Circuit Trek could be 18 to 20 days with trekking & hiking as the major activities. It’s considered as a moderate trekking with historical, cultural and natural journey and an utmost elevation of 5160 meters. The ideal season to tour this area is from March-May in spring & September-December throughout the winter.

Highlights of Manaslu Circuit Trekking:

• Explore the popular town Gorkha
• Fascinating sights of Manaslu and enclosing Himalayan range
• Exploration of classic village lifestyle & culture
• Long walk through the Budi Gandaki valley
• Walking through crop fields
• Exploring the Tibetan culture

Childhood Cancer: Research Progress and Future Prospects

February 15th is International Childhood Cancer Day, reminding us that childhood cancer deserves more attention since more than 250,000 children are diagnosed with cancer and about 90,000 children die from cancer every year.

In recent years, the incidence of childhood cancer has been increasing, but children suffering from cancer have not received enough attention from all walks of life. How to make breakthroughs in the field of childhood cancer treatment and find more accurate and effective treatments is a problem that scientists worldwide have been exploring. Recent research on childhood cancer has made some new progress.

Precision medicine of childhood cancer: JAMA Network Open published a research result of the CHU Sainte-Justine TRICEPS team that genomic profiling will help clinical treatment of childhood cancer. Until April 2019, the team had enrolled 84 patients. In 87% of patients, the study identified genomic anomalies that allowed for better patient management. The therapeutic alternatives are personalized because the proposed actions will be different for each patient. The discoveries can lead to a “targeted” therapy because it specifically seeks to block (or bypass) the action of genes that cause cancer progression.

Gene technology for Ewing sarcoma: Ewing sarcoma is a childhood cancer driven by EWS-ETS transcription factor fusion oncoproteins. The majority of tumors express wild-type TP53, and thus, therapies targeting the p53 pathway would benefit most patients. To discover targets specific for TP53 wild-type Ewing sarcoma, scientists used a genome-scale CRISPR-Cas9 screening approach and identified and validated MDM2, MDM4, USP7, and PPM1D as druggable dependencies.

New target for treating childhood cancer: SWI/SNF is a multi-component protein complex that plays an important role in chromatin remodeling. It is also likely an important tumor suppressor, as indicated by the fact that approximately 20% of human cancers carry a mutation in one or more SWI/SNF protein components. This SWI/SNF component protein is mutated in a number of cancers, including malignant rhabdoid tumor (MRT), a highly aggressive, nearly uniformly fatal childhood cancer. William Tansey and his laboratory found that cancers bearing an SNF5 mutation may be susceptible to therapy by MYC inhibition, providing yet another reason why the discovery of clinically viable MYC inhibitors is of utmost importance.

The purpose of modern childhood cancer treatment is not only for the survival rate and the extension of survival time, but also to improve the quality of life. The principle of treatment of pediatric tumors has been raised to the integration of eradication of tumor, functional maintenance and mental health.

For the first two principles, childhood cancer patients are very different from adults, for they are at the stage of growth, thus the treatment plan must take the impact of treatment on the normal development of children into consideration. For example, the widespread use of radiation therapy in adults has been severely limited in childhood cancer treatment due to the risk of skeletal deformities, gonad damage, and intellectual effects in children. In the future, there will be anti-tumor drugs and treatment being more safe, effective, and less toxic, such as biological treatment, gene therapy, differentiation induction therapy to replace traditional chemotherapy and radiotherapy.

For mental health, on the basis of further improvement of tumor eradication and long-term survival, the mental health of children with tumors will be increasingly valued. Psychological problems, including children’s self-experience, psychological effects, concerns about relapses and difficulties in participating in society, should be brought to the attention. Parents should be noticed that organ function and appearance reconstruction are also necessary for those who have suffered growth stagnation, and whose appearance is abnormal due to surgery and radiation therapy.

In short, the childhood cancer treatment is being improved, and under the premise of continuous increase of survival rate, children’s long-term psychological and physical health, as well as functional maintenance must be considered when formulating treatment plans.