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While everyone seems to have them, it also seems that everyone will also be turned down for personal loans at least once in his or her lifetime.  While this is frustrating at the very least, there are good reasons lenders will deny your application. The primary reason that someone is denied the Personal loans to which he or she has applied is credit rating.  The vast majority of lenders require that an applicant has at least some credit history, and - with the exception of specific loans tailored to those with bad credit – that the credit history be fair or better.  If you have never had a loan or anything that would have an effect on your credit score, or if you have had trouble with credit before and your score is low, then the possibility for you to have your loan applications denied is much higher than someone else.

Hand in hand with the credit rating is credit history.  Even if you are in the process of rebuilding your credit score, if you still have blemishes on your rating from late payments or defaults, your personal loans may be denied.  This is because lenders take everything into account when processing your loan, and past trouble or mistakes, while potentially no fault of your own, may raise red flags.

Another reason why you may have been denied personal loans is the amount of outstanding debt you are already carrying from other lenders.  Even if you make your payments on time, every time, having a large credit balance or limit can make lenders nervous. If you have been denied personal loans, don't give up hope. There are many different loans from many different lenders available today, so even people with bad or no credit rating can access the money he or she needs.

Interestingly, I did an interview with a Polish magazine today that dealt precisely with the problem of abandoning the elderly to the abuse of euthansia and medical neglect of quality of life refusals of treatment.

The former leader of the Catholic Church in the UK, Cardinal Cormac Murphy-O’Connor, issued a cogent warning about how societys views on the elderly endanger their well-being and lives. From the Telegraph story:

In a wide-ranging lecture at Leicesters Anglican Cathedral, he spoke of a   “deep unease” in western society, the importance of the family unit,   religious freedom and questions such as assisted suicide. He warned of a tendency to view human beings as a “product” or a “commodity”   resulting in people ultimately being viewed as “disposable”. “Instead of regarding the elderly as a source of value in their own right, a   resource for families and communities especially in an increasingly   fragmented social and cultural world, we view them as a problem or a   threat,” he said. “We have lost that deep reverence for humanity in all its different conditions.”

He quoted Cicero to illustrate that debates about care for the elderly date back millennia. “An ageing population certainly presents its challenges – not least to our   prejudices – but it is also an extraordinary gift,” he continued. “When society only sees age as an expensive inconvenience, a threat to   resources and lifestyles, it no longer sees a person but a problem. “This permits a slow erosion of dignity; subtly and silently the process of   dehumanisation has begun.” He went on: “A symptom of this is the violence against the vulnerable elderly   now documented in a number of independent studies and reports and the   neglect which many have to endure. “You do not care for what you do not cherish.

If we load the elderly, or indeed any group, with fears – the fear of dementia and Alzheimer’s, the fear of growing dependence and the loss of   autonomy, the fear of exhausting resources – you sanction violence against them. “This need not only be physical, it can take other forms: it can be cultural   in the way in which we dismiss their views or blame them; it can be   political in the ways in which we justify withdrawal of vital services or quietly and privately deny their right to life.”

Its not just the UK.  You dont have to be Catholic, Christian, or even religious to understand the truth of the Cardinals words. The danger is real, the problem well stated.

Webcast Explores How Courts Can Better Serve Overall ‘Well-Being’ of Children

May 16, 2012
by Eric Ferkenhoff

After years of focusing on the safety of children, the nations juvenile courts are shifting to a more holistic approach that takes into account the emotional, social and academic well-being of at-risk youth.

That effort, which has been underway for at least a year, will be showcased Thursday during a webcast moderated by David Kelly, head of the federal Department of Health and Human Services child protection programs.

The crux of the webcast, which starts at 2 pm EDT, is to explore how the courts, which are so used to patrolling a childs safety, can attend to the mental, social and physical well-being of a child. More precisely, the effort will vet 14 specific measurements that were developed by a committee last summer to ensure the courts are meeting every need of a child not simply plucking them from dangerous homes or removing risky parents from their lives.

About 400 people, many of them judges, attorneys and court administrators, are expected to tune into the webcast.

Also participating will be Gene Flango and Nora Sydow of the National Resource Center and National Center for State Courts; Evan Klain, who is director of child welfare for the ABAs Center on Children and the Law; Associate Judge Robert Hofmann of Mason County, Texas; and Sandra Moore, head of Pennsylvanias state office of Children and Families in the Court.

Much attention has been paid over the years to punitive measures for juveniles and protective measures that focused, almost singularly, on a childs safety. The idea was to remove them from at-risk situations, ensure the efficiency of moving children through the system and stopping the cycle of re-abuse.

Ignored along the way were educational attainment, social adaptation and mental health. That, according to people involved in Thursdays program, is the exact idea behind the 14 measures that will be discussed as part of a wider effort to comply with federal law chiefly the 1997 Federal Adoption and Safe Families Act.

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WASHINGTON & NASHVILLE, Tenn., May 16, 2012 (BUSINESS WIRE) –
Americans’ overall well-being reached 70.0 in April, a 20-month high,
according to the Gallup-Healthways Well-Being Index(R) (WBI).
This increase was influenced by positive movement in the Emotional
Health, Healthy Behaviors, Basic Access and Life Evaluation Indices.

The Emotional Health Index, a composite of Americans’ daily
experiences, jumped to 79.9, the highest score recorded since the
inception of the WBI in 2008. This increase was driven in part by the
percentage of Americans who “experienced enjoyment a lot of the day
yesterday” (85.6 percent).

The Basic Access Index, which measures consumer access to basic
necessities, improved to 82.6, its highest point since July 2010. This
was fueled by an increase in the percentage of Americans stating that
their “city or area was getting better” (58.7 percent) and those who
reported “feeling safe walking alone at night” (72.3 percent).

“It’s promising to see the overall well-being of America continue to
improve,” said Ben R. Leedle Jr., Healthways president and CEO. “These
results underscore the need for America to focus its energy and
resources on the many areas of well-being to improve the overall health
of its people, which in turn will boost productivity and curb healthcare
costs.”

Other key findings:

–
The Life Evaluation Index, measuring how Americans rate their
current life and anticipated future life situations, increased to
50.4, its highest score since 2011. This improvement was driven in
part by an increase in the percentage of Americans who were thriving,
which rose from 53.3 in March to 53.7 in April.

–
The Healthy Behavior Index, measuring lifestyle habits, rose to
64.9, up 3.9 points since December. The percentage of Americans who
exercised 30 minutes at least three days in the last week increased
from 53.3 in March to 53.9 in April, while 58.4 percent of Americans
ate at least five servings of fruits and vegetables four times in the
last week. This was an increase of more than one percentage point
since March.

–
The Physical Health Index, analyzing the nation’s physical
health, essentially remained flat with a score of 76.8 compared to
76.7 in March.

–
The Work Environment Index, which measures workers’ job
satisfaction among other things, declined to 47.5 from last month’s
score of 48.5.

To download the full April report, click here.

For more on the science and methodology behind the WBI, please visit
www.well-beingindex.com .

About Healthways

/quotes/zigman/99611/quotes/nls/hway HWAY
-2.82%

Healthways is the largest independent global provider of well-being
improvement solutions. Dedicated to creating a healthier world one
person at a time, the Company uses the science of behavior change to
produce and measure positive change in well-being for our customers,
which include employers, integrated health systems, hospitals,
physicians, health plans, communities and government entities. We
provide highly specific and personalized support for each individual and
their team of experts to optimize each participant’s health and
productivity and to reduce health-related costs. Results are achieved by
addressing longitudinal health risks and care needs of everyone in a
given population. The Company has scaled its proprietary technology
infrastructure and delivery capabilities developed over 30 years and now
serves approximately 40 million people on four continents. Learn more at
www.healthways.com

About Gallup

Gallup has studied human nature and behavior for more than 75 years.
Gallup’s reputation for delivering relevant, timely, and visionary
research on what people around the world think and feel is the
cornerstone of the organization. Gallup employs many of the world’s
leading scientists in management, economics, psychology, and sociology,
and our consultants assist leaders in identifying and monitoring
behavioral economic indicators worldwide. Gallup consultants help
organizations boost organic growth by increasing customer engagement and
maximizing employee productivity through measurement tools, coursework,
and strategic advisory services. Gallup’s 2,000 professionals deliver
services at client organizations, through the Web, at Gallup
University’s campuses, and in more than 40 offices around the world. For
more information, please visit
http://www.gallup.com .

SOURCE: Healthways

Healthways
Kelly Motley, 615-614-4984
kelly.motley@healthways.com
or
Gallup
Lauren Kannry, 202-715-3050
lauren_kannry@gallup.com

Copyright Business Wire 2012

/quotes/zigman/99611/quotes/nls/hway

Add to portfolio

HWAY

Healthways Inc.

US

: U.S.: Nasdaq

$
6.54

-0.19
-2.82%

Volume: 144,051
May 18, 2012 4:00p

P/E RatioN/A
Dividend YieldN/A

Market Cap$224.82 million
Rev. per Employee$287,923

Financial Glossary

Words used in this article:

Americans overall well-being is on the rise, reaching a 20-month high with a score of 70, according to the latest Gallup-Healthways Well-Being Index.

Tennessees well-being remains among the bottom ten states of the country, however, with a score of 65, tied with Nevada at No. 41 overall.

The increase in the national score was influenced by positive movement in the emotional health, healthy behaviors, basic access and life evaluation indices.

Basic access, which measures consumer access to basic necessities, improved to 82.6, its highest point since July 2010. The emotional health index, a composite of daily experiences, jumped to 79.9, the highest score since 2008.

It’s promising to see the overall well-being of America continue to improve, said Ben Leedle president and CEO of Healthways. These results underscore the need for America to focus its energy and resources on the many areas of well-being to improve the overall health of its people, which in turn will boost productivity and curb health care costs.

The countrys lowest score comes from West Virginia, with a 62.3, followed by Kentucky (63.3) and Mississippi (63.4). The countrys top scores come from Hawaii, with 70.2, followed by North Dakota (70), Minnesota (69.2), Alaska and Utah (both with 69).

To compile the scores, Gallup obtains interviews from 1,000 US, adults nationally, seven days a week.

More on the Gallup-Healthways Well-Being Index is available here.

Chris Silva covers health care, technology and venture capital for the Nashville Business Journal.

Morgan Leach – Seeing all of the people in my class every day.

Bryce Dishman – Gym and dances

Jason Volk – Mr. Barnes

Amber Johnson – I will miss the friends I’ve made and the opportunities I’ve had to participate in activities with great people.

Brad Boden – Seeing everybody almost every day.

Tanner Miller – Dawn and Jill. Thanks for all the gum!

Caroline Freese – I will miss when everyone knows that we’re going to get out early for snow then when they finally come over the loud speaker and tell us everyone yells and screams.

Kayla Beener – My friends, my teachers and the guidance office ladies!

Conner Hoyt – Senor Grundy – he’s my favorite principal ever!!

Chris Henry – Being a senior hanging out at the senior bench.

Brennan Powers – My girlfriend! But really – the AMAZING locker room showers – Not!

Morgan Covell – The Christmas concert, Follies, acting with Stone and my applied math class – well, not the class itself just the people in it.

Tyler Krpan -The hilarious conversations with Dr. Delong, Coach Garrels and Ms Baudler.

Kale Render – Playing my high school sports with my friends and brother, and missing the good ole times my friends and I had.

Maddy Hosey – The swim team and Mrs. Wahlstrom!

Marissa Nieuwenhuis – I’m going to miss Impulse, all the girls, all the memories and Mama Clark.

Kendra Perry – Walking 9 miles to school because there are never any parking spots and Twitter fights!

Alexis Bunting – Seeing everybody, every day.

Jake Lord – 4-leaf L and sports

Cole Becker – My friends.

Daren Chambers – Facebook and Twitter.

Megan Churchill – Seeing my mommy’s beautiful face every day.

Kyle Coghlan – Football, friends and having four classes a day.

Kyle Loy -The teachers. They genuinely care about the students and they’re great people to be around.

Brett Johnson – Hanging out in the student section at sport games and playing in the marching band.

Hannah Darr – The Corner Sundry gang. Summer PE, jazz band and knowing you have a community of students and faculty to support you.

Don Dawson III – Gossip time.

Nick Petersen – German class, all of my friends I may not see after high school.

Kayleigh Chapman – Seeing all my teachers and friends. Being able to vent to them and have them help.

Kelsey Yazell – Being around my friends every day and of course the “FUN” teachers.

Brianna Ward – I will most definitely miss all the teachers just because they all have such great personalities.

Alyssa Bohlender – The girls cross country. The things we do and find on our runs. 10*10*10…oh, wait…I won’t miss that.

Kim Bougher – Lunch

Sara Pirtle – Late-night cruises in the N-mobile with my best friends and Tyler Nicholson.

Crystal Meador – How close of friends our ENTIRE class of 2012 is.

Julia Rivas – Seeing friends every day.

Nick Smith – Everyone and everything about it. There is nothing like high school.

Zitxw Lor – The fights and how everything was super hyped up for no real reason.

Natividad Hirsch – Academic Decathlon.

Becca Webb – The random conversations in class.

Nils Backstrom – The free art supplies.

Jay Smith – All my underclassmen buds and the sports.

Isabella Walles – The staff and all the high school things you get to do.

Sam Weinman – Seeing everyone that I know each day.

Kaylin Reynolds – Seeing everyone.

Andrew Sponsler – The teachers

Drew Peeler – Disc Golf Club and swimming.

Hunter Belzer – The parking lot.

Morgan Struebing – Seeing all of my best friends every day!

Madi McGlumphry – Seeing all my lovely friends every day.

Jacy Gomez – The teachers since they all seemed to care about the well being of their students.

Carrie Victor – School lunch – open to interpretation.

Camren Ripperger – Being able to be a kid. Once I’m out of here, it’s game on.

Cassidy Johnson – Easy classes.

Amber Hoffman – I will miss the teachers and students of IHS the most.

Katie Mort – I think I’ll miss the comfort zone of high school. I always have something to fall back on. College won’t be the same.

Paul Schlenker – The food.

Emma King – My friends and a few teachers.

Nicole Norman – Football games they were so much fun with the marching band. Being able to watch the game with all your friends is the best and now that we are going our separate ways, we won’t have that any more.

Darcy Baker – Seeing everyone every day, hearing Aubri Westlake’s enthusiastic voice in the hall and the Impulse dance team.

Jen Deckard – You could be having the worst day and then you see Mr. Barnes riding through the halls on his unicycle and everything gets better.

Amy Williams – My show choir family. Nothing will ever replace them ever. Also color guard.

Lauren Engley – I’m going to miss FFA.

Aaron Meckley – Seeing the look of pure happiness on Mrs. Southall’s face whenever I see her.

Marissa Ramos – My friends!

Natalie Swaim – Seeing my friends every day in the halls.

Kayla Halterman – Being so close to everyone in our grade.

Dani Leih – Carrie Victor, Lauren Engley, Caroline Freese and Michelle Suantesson.

Alex McGinnis – Seeing everyone every day.

Jason Putz – Everything but the parking lot.

Cheyenne Hunt – Mr. Garrels and Mr. Lester.

Cortney Onstot – Most of the people and seeing everyone every day.

Mackenzie Steveson – Emily Stoll!

Taylor Brandt – IHS was a pretty chill place but especially our attitude that life is meant to be enjoyable.

Ely Ladd – Knowing absolutely everyone.

Joel Cortum – Football, nothing. I will miss more.

KUCHING: Padawan Municipal Council (MPP) chairman Lo Khere Chiang is not amused over an incident in which chicken carcasses have been strewn along a stretch of Matang-Malihah Road yesterday.

Calling whoever was behind it ‘irresponsible’, Lo said he had despatched a team from MPP to clean up the affected stretch of road after local residents called him to complain of the unbearable stench.

The foul smell from the carcasses, most of which had been crushed by passing heavy vehicles, began wafting through the area by mid-morning and drew numerous complaints from the public.

The carcasses were believed to have fallen out of a moving lorry which could have been transporting them to an unknown destination.

Lo also disclosed that MPP workers, in the past, had to deal with residents who had disposed of their dead pets or animals by wrapping the carcasses in plastic bags and putting them into their garbage bins.

Dead animals, he added, should be properly buried and not thrown along the road or into garbage bins as the ensuing stench would affect those staying in the vicinity.