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5 common fashion mistakes to avoid
Fashion

5 common fashion mistakes to avoid

Trying to look ready for the ramp is not nearly as effortless as professional models and celebrities make it seem. In fact, even their street style is carefully curated to make them look chic and casual. This is why replicating these looks at home may not be the best idea for everyone. Careless imitation along with other blunders can make even the best styles seem sloppy, so, one should avoid making easily avoidable fashion mistakes. Ignoring comfort People may overlook fashionable choices in the fear of leaving their comfort zone, or they may make uncomfortable choices in the name of fashion. Either way, it is an incorrect approach to fashion according to experts in the field. Our clothing and styling choices reflect any uneasiness or discomfort. Confidence will come naturally when people develop their own sense of style and choose things that are comfortable for them. Ill-fitted clothes While oversized clothes have been trendy for a hot minute, not everyone needs to get on board. If anything, donning ill-fitted clothing can make the overall look seem unkempt or even unappealing. Certain combinations can work like pairing an oversized blazer with a body-accentuating blouse. On the other hand, adding baggy layers to oversized jeans and shirts can make one look shabby.
6 best times to drink water for maximum benefits
health

6 best times to drink water for maximum benefits

A significant percentage of our body is made up of water, so there’s no denying that it is essential to our overall health. While most people understand that they must drink approximately eight glasses every day, they don’t know that there are certain times when the habit can be more helpful. So, understand when to drink water for maximum benefits instead of chugging multiple glasses whenever you feel like it. Immediately after waking up Drink a glass or two of water first thing in the morning. Supplying H2O to your body on an empty stomach has numerous benefits. It helps cleanse the bowels, flush toxins, boost energy levels, improve skin health, and even strengthen the immune system, among other things. Before and during meals A glass of water before a meal enhances the feeling of fullness and curbs the tendency to overeat. On the other hand, drinking water during a meal helps with digestion, especially if you’re eating high-fiber foods like beans, lentils, and oatmeal. That said, don’t drink too much, as it may dilute the natural juices that aid digestion. Before and after exercise For moderate-intensity daily workouts, drink a glass or two of water about 30 minutes before starting.
5 foods to avoid for better eye health
health

5 foods to avoid for better eye health

The foods we eat play a significant role, and that dictates how our organs function. The eyes are vascular, and it is necessary to eat nutritious foods to keep the blood vessels in good health. Eating unhealthy foods may block the veins that provide the eyes with the essential nutrients and oxygen. Such restrictions may affect one’s vision. Keeping this in mind, here are five foods that can worsen eye health. Margarine Margarine is considered a healthy alternative to butter, as it is made from vegetable oils. However, it still contains trans fats. These fats may increase a person’s cholesterol levels and put them at risk of heart diseases and eye problems. Red meat Red meat contains preservatives like salt, cholesterol, and fat, making them tasty and increasing their shelf life. However, these chemicals may harm one’s health and lead to high blood pressure. Such pressure spikes can lead to Choroidopathy, a fluid buildup below the retina. Fish Several fish are rich in omega-3 fatty acids and may offer health benefits. However, fish also contain hints of mercury. People who eat lots of fish may be at risk of eye damage because of the chemical element. Coffee Coffee contains caffeine, an energy-boosting component that helps people stay active.
5 things you must avoid doing on a cruise
travel

5 things you must avoid doing on a cruise

Cruising is the best way to travel from one destination to another. It is far more relaxed and fun compared to other modes of travel. But there are some rules that one needs to keep in mind while on a cruise. Like any other societal norm, there are some unsaid rules to follow, and if this is your first cruise experience, you should check them. Following are five things to avoid doing on a cruise vacation. Don’t overload the luggage With travel comes the shopping spree. That said, one needs to be mindful while packing. Always remember to pack light and carry clothes that can be reused. Don’t forget to pack according to the climatic conditions of the destination. There might not be any weight limitations on the luggage per se, but the cabin storage can be limited. The only thing one needs to pack liberally is sunscreen. Don’t reserve places Cruise ships are made for a luxurious vacation experience. One can enjoy multiple activities like swimming, surfing, snorkeling, spas, and ziplines, among others. Make sure you do not reserve those suntan tables, rides, or a seat at the bar. Manage your time accordingly. Understand that people on board have also come to experience the same amenities.
6 hottest fashion trends in 2022
Fashion

6 hottest fashion trends in 2022

Fashion designers bring something new to the table each year. These outfits aren’t just for show. They are meant for everyone to buy, style, and flaunt on their social media handles. And this year is no different; there are uncountable fashion trends to keep your daily look fresh and give your wardrobe a complete makeover. So here are six of the hottest fashion trends in 2022 that you should try out today. Pop color top Wearing a bright-colored top is still on the fashion scene. Bright checks don’t make you look cuter than you already are but brighten up the attire. Pair it up with a matching sweater and shoes to complete the look. You can also wear a pair of Sportswear Cotton Leggings in Vapor Pink from Adidas. Large floral prints Though floral prints belong to the early 90s and 2000s, it seems the design is trending once again. You can wear a maxi skirt and a cropped sweater and still ace the look. Alternatively, you can also pick a floral print dress from ASTR The Label from Nordstrom. Black dress Back dresses are classic and go well for any occasion. You may try the black Appliqué Dot short sleeve crepe dress designed by Akris Punto.
Foods that you should avoid when suffering from arthritis
health

Foods that you should avoid when suffering from arthritis

Arthritis, a disease that affects your bones and joints, is characterized by inflammation and pain that can worsen with age. It is a very common condition. Although the effects of this condition can be reduced, it can never get completely cured. Foods like fish, nuts, and vegetables help prevent arthritis. However, some foods can cause inflammation and trigger the many symptoms of arthritis. There are many foods that you should avoid if you’re suffering from arthritis. Some of these include: AGEs Advanced Glycogen End (AGE) is a toxic substance that is formed when food is grilled, fried, or heated up in any form. This substance can cause damage to the proteins in your body. To fight this damage, your body releases cytokines, an inflammatory substance, which could trigger arthritis. Sugar High amounts of sugar in your food could also contribute to the development of AGEs. It is best to reduce the intake of candies, sodas, and other items that are rich in sugar. Dairy The protein found in dairy products is harmful to some people with arthritis, as it irritates the joints. If dairy products disturb your health, it is recommended you shift to vegan products which do not contain this protein.
How to solve cat litter box problems
pets

How to solve cat litter box problems

If you’re frustrated with how your cat uses its litter box, you’re not alone. Most cat owners admit that their furry friends develop issues with their litter boxes, which can be anything from not using the box altogether to defecating or urinating inside and outside the box. Health and behavioral issues could be attributed to this. Thankfully, there are a few tried and tested methods that can help solve your furry companion’s litter box problems. Consult the vet Before you try anything else, it’s best to take your cat to the vet. Sometimes, health issues can prevent your cat from using the litter box properly. These issues may include painful urination, constipation, diarrhea, injured paws, arthritis, dementia, diabetes, or kidney problems. The vet may inquire about your cat’s litter box problem in detail and recommend a urinalysis, stool check, or a blood test. Place the box in an appropriate location Like humans, cats need privacy when they do their business. If the litter box is currently located in a high-traffic area, move it to a quiet place where there’s the least disturbance. However, make sure that the new place isn’t too far or isolated, like in the basement. Also, avoid keeping the box close to their bed or food bowl.
Types of cat litter and their effects on humans
pets

Types of cat litter and their effects on humans

One may have to deal with cat waste if they have a domesticated feline friend at home. Many pet owners prefer using cat litter as they are easy to clean the excreted waste. All pet cats are litter trained, meaning they will only pee or poop inside the cat litter placed in the house. As a pet parent, one must ensure that the litter box is cleaned at least twice daily to keep it germ-free. But are there any dangers to having cat litter? Let’s find out. While having a cat litter box at home may not expose humans to fatal dangers, cleaning the litter box may lead to health issues if one is not careful with this sanitation process. There are different types of litter. Therefore, one must know how to manage them as they can adversely affect human health in the long run. Clumping litter Clumping litter contains bentonite, a substance that allows the liquid to clump together. According to the Centers for Disease Control and Prevention (CDC), it is best if humans do not inhale or ingest this substance. Some of these clumping cat litters also contain silica, which has carcinogenic effects leading to an increased risk of lung cancer.
5 simple ways to toilet train a cat
pets

5 simple ways to toilet train a cat

One of the main concerns for new pet parents is toilet training their feline friends. Cats are smart species; they understand the tricks within a few weeks. However, teaching them the correct techniques from day one is essential as it will gradually mold the cat’s behavior toward using the toilet bowl or litter boxes. The transition can be challenging, so we have listed seven simple steps to help with the process. Decide and prepare a designated bathroom Choose a bathroom that is easily accessible to your pet. And place the litterbox close to the toilet. The idea is to get your cat to “go” in the litter box and train it to use the toilet bowl gradually. The cat will get familiar with the new spot eventually.  Move the litter box closer to the toilet bowl Move the litter box an inch closer to the toilet bowl. It will also be convenient for the pet parent to clean the box when they want to. Get rid of a layer of litter to a point where there’s a thin layer left in the box.  Raise the height of the litter box Stack a pile of newspapers, old magazines, or cardboards under the litter box, and gradually raise the height, so that the cat can easily jump onto the box.
6 easy home remedies for nasal polyps
health

6 easy home remedies for nasal polyps

Nasal polyps are soft, non-cancerous growth of the tissues that form in the nose or sinuses. If they are too large or there are many nasal polyps, it causes itching, runny nose, sneezing, and breathing difficulty. Nasal polyps are quite common and may be caused by allergies, inflammation, or infection. Surgery is a common treatment option; however, not everyone needs it. Here are some natural remedies to help ease nasal polyps symptoms and avoid surgery. Steam inhalation Inhaling steam can help unblock the nasal passages by thinning nasal mucus. It can also reduce swelling within the airways. An easy way of inhaling steam is to take a hot shower. Alternatively, you may heat a bowl of water and position the face over it while keeping a towel draped over the head to prevent steam from dispersing. Turmeric Turmeric is a yellow spice known for its powerful anti-inflammatory properties. In people with nasal polyps, turmeric can decrease irritation and inflammation of the airways. There are many ways of using this spice. One can make turmeric tea by mixing 1-2 tablespoons of the spice in a cup of boiling water or add turmeric powder to curries, stir-fry recipes, and smoothies. Cayenne pepper Cayenne pepper contains an active compound called capsaicin, which makes the hot pepper taste hot.

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A look at some of the best free investment advisors
finance

A look at some of the best free investment advisors

As a beginner investor, investing too much money at the start can be quite difficult and overwhelming. However, if you choose the right brokerage account, you can earn a lot back from it in terms of investment knowledge. So if you are looking for the best cost-free investment advisors to provide you with long-term portfolio management services, then you have come to the right place. Here is our collated list: Interactive Brokers Investment Brokers has an entity known as IBKR Lite, which offers commission-free trading on various commodities. It mainly covers exchange-listed stocks as well as exchange-traded funds (ETFs). It also offers low-priced access to various global markets without any account minimum or inactivity fee. Additionally, it offers the best competitive interest rates, while its client portal, which offers trading and account management services, is highly preferred by users. One of the most notable points is that IBKR Lite has been around for over 40 years, having earned the trust of a vast client base. You Invest by JP Morgan Chase You Invest Trade, offered by JP Morgan Chase, is one of the best low-cost investment advisors. It is complete with a range of commission-free ETFs and stocks that can be traded online.
Reverse mortgage eligibility and its criteria
finance

Reverse mortgage eligibility and its criteria

As you approach retirement, most of your money has been invested in your home. A reverse mortgage is an excellent way to tap into your home’s equity. If you have paid off a home loan or have only a small amount to be paid, it is a good option to meet various financial goals. Here are the criteria for reverse mortgage eligibility: Personal criteria Age You must be 62 years or older, to apply for a reverse mortgage. Generally, as you grow older the Home Equity Conversion Mortgage (HECM) amount increases. Property The home should be your primary residence, and you need to live there for the entire duration of the reverse mortgage. Rental properties and vacation homes do not qualify for such mortgages. Home equity You should be the owner of your home outright or possess a minimum of 50% home equity. There is a possibility that you may qualify for a reverse mortgage despite having some outstanding balance on your existing home loan. However, the criterion is that you must first pay off the remaining mortgage from the sanctioned amount and meet other liens. The balance funds may be used for any other purpose. Using a reverse mortgage to refinance existing debt is beneficial in reducing your monthly cash outflows.
Top 10 debt settlement companies to consider
finance

Top 10 debt settlement companies to consider

A lot of people get stuck in debt due to many reasons. The interest rates keep adding up, taking a toll on an individual’s financial stability. In such a case, debt settlement can be quite helpful if you wish to settle a large amount. Here is a list of top 10 debt settlement companies that you can consider to help ease the burden off your shoulders. National Debt Relief National Debt Relief has the most detailed insights on their website that can help you with debt settlement. It talks about the debt qualification, the amount of money you need to pay for enrolments as well as the debt relief services that they offer. The average savings after the fees is around 30%. CreditAssociates This particular company is known for helping clients with the elimination of debt. They undertake this entire process between twenty-four to thirty-six months. They use enhanced software, and the outstanding expertise of their team to help their clients with great debt negotiation services. Pacific Debt Inc This is one of the top 10 debt settlement companies that you can consider. You need to have a minimum of $10,000 in debt to avail their services. They offer an affordable monthly program/plan with payment as well as upfront fees.
6 top business credit card companies
finance

6 top business credit card companies

The right business credit card can help you save thousands of dollars. Business accounts can earn more rewards like discounts, hotel stays, and cashback offers. You may also use these cards to meet short-term financial requirements. In case you haven’t applied for one yet, you must check out 6 of the top business credit cards that you can apply for to make your life easier. American Express Blue Business® Plus Card This is an ideal business credit card offered by one of the leading credit card companies and does not levy any annual fees. You receive twice the Membership Reward ® points upto $50,000 with no category restrictions, which reduces to 1% thereafter. The cashback earned automatically gets credited in your statement. The regular APR on this card is 13.24% to 19.24% variable. CitiBusiness® AAdvantage® Platinum Select ® MasterCard® This is an excellent option if you undertake frequent business travel with American Airlines. You earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases. Additionally, the card offers 2 AAdvantage® miles for every dollar spent on telecommunications, fuel, car rental, and cable and satellite services. All other purchases earn you one mile for every dollar spent. The annual fee is $99 (waived in the first year) and regular APR varies between 15.99% and 24.99%.
Top 6 NNN properties for sale in the country
finance

Top 6 NNN properties for sale in the country

NNN properties are known as triple net lease properties and can be categorized as single-tenant properties that are available for lease. In these properties, the maintenance fees, taxes, and insurance have to be paid by the lessee instead of the landlord. These costs have to be borne by the lessee in addition to the rent. Here are some of the top NNN properties for sale: 7-Eleven, Texas There are plenty of 7-Eleven properties that come under the category of NNN properties. This one is our top pick at the moment, as it serves two commodities that are always in demand: gas and foods. The property is on the 3601 West Freeway in Fort Worth, Texas, making it quite a hot spot for sale. The current annual rent for this property is $267,500, while the cap rate is 5.75%. Burger King, Florida Burger King is one of the country’s favorite fast-food chains. The current annual rent for this property is about $140,000, and the cap rate is 5.15%. This property was built quite recently as compared to the other options on our list, and it has the potential of providing good returns quickly, as it is in a strategic location on SW Port St.

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6 high dividend ETF funds you can invest in
finance

6 high dividend ETF funds you can invest in

Before you search for the best dividend exchange-traded funds (ETFs), it is recommended you understand your needs and overall investment objectives. ETFs are hybrids of mutual funds and stocks. When you invest in the ETF, you purchase shares in the fund, which buys the underlying asset. Here are six of the best high-dividend ETF funds: Vanguard High Dividend Yield (VYM) This ETF adopts the simple method of choosing stocks that have higher dividend yield when compared to other companies. This has resulted in building a diversified portfolio comprising 400 stocks with higher market capitalization. The majority of these stocks belong to the healthcare, consumer, and financial sectors. During the last decade, VYM delivered average annual returns of 12.9%. The expense ratio is the lowest in the industry at 0.06% per annum. Vanguard Dividend Appreciation (VIG) The ETF focuses on investing in companies that have a long history of increasing their dividend payouts over the years. The portfolio includes approximately 180 stocks with low yields. The ETF has earned average returns of 12.6% per year over the last 10 years. The expense ratio is 0.06%, which makes it an excellent option if you do not mind lower dividend returns currently but want to earn more in the future.
Top 5 providers for automated investments
finance

Top 5 providers for automated investments

Roboadvisors are gaining popularity as these investment programs offer affordable financial advice to a large number of investors. These automated advisors use an algorithm to recommend investment options that best suit your requirements. The best automated investing algorithms offer simple account setup, portfolio management, low fees, strong goal planning, and security. Here are the top five providers of automated investments. Betterment This roboadvisor is the best for delivering top-quality services. You may sync various financial accounts without investing to gain an overall picture of your investment portfolio. You may choose the pre-built Betterment portfolios or customize one to meet your needs. The algorithm gives you the flexibility to add new goals as required while monitoring your progress without any difficulties. The advisor charges between 0.25% and 0.4% management fees with no minimum account requirement. Wealthfront It is one of the largest Robo-advisors and provides goal-based investing enabling you to understand the future effects of your financial decisions. You may choose from a wide range of portfolios that comprise individual stocks to meet your financial goals. Once your portfolio accumulates USD 25,000, Wealthfront allows you to borrow against its value. The service provider also offers margin lending. The management fee for most accounts is 0.25% and you need an account minimum of USD 500.
Top 5 retirement investment funds for your portfolio
finance

Top 5 retirement investment funds for your portfolio

Most people work for decades so that they can make investments and collect sufficient funds for their retirement years. Having enough savings for the golden years is ideally the most significant goal for you as an investor, but the volatile market may make it difficult to understand which retirement funds are suitable for you. To help you out, here are the best retirement investments that you can include in your portfolio: Vanguard Target Retirement 2035 Fund This retirement fund is created for investors who want to retire early so that they can enjoy the benefits of their investment within 15 years. However, even if you don’t want to retire that early, this fund has various offerings that make it one of the best retirement investments available in the market. As of now, this retirement fund offers a current yield of over 2%, and the expense ratio is 0.14%. Plus, Vanguard is quite a trusted name for keeping your money safe. Northern Global Tactical Asset Allocation Fund This fund offers one of the best diversifications and a lot more protection in case the fund underperforms. So, it invests in mutual funds and exchange-traded funds and aims to provide long-term capital appreciation at an expense ratio of 0.58%.
Top 5 capital providers for your business
finance

Top 5 capital providers for your business

People who wish to set up their business ventures need additional funding to get going. Many banks and financial institutions help promising businesses with the same and in this article, we would be covering guaranteed business loan providers. You can check the following list out when looking for business loan providers. Wells Fargo Wells Fargo is one of the best financial institutions when it comes to guaranteed business loan providers in the market. It offers various other financial products. It claims to be a leader when it comes to small business loans. The unsecured business loan has varied loan amounts starting from $10,000 and going up to $100,000. The term for this product is between one to five years. Additionally, you can go for other loans offered by Wells Fargo, such as the Equipment Express Loan or the Advancing Term Loan. Capital One Capital One does not only offer good deals on business credit cards, its business loan is worth considering too. If you are looking at a funding source that can help expand your business or get going with the operations, then we highly recommend you to choose the business loan offered by Capital One. Starting at a minimal amount of $10,000 and a maximum term length of 5 years, the repayment term is simple and can be done on a monthly basis.
All you need to know about home insurance policy
finance

All you need to know about home insurance policy

Buying a home comes with a lot of responsibilities. There are a lot of risks that come with owning a home like the risk of theft and property damage. Investing in the right kind of home insurance policy is important so as to be financially prepared for these risks. There are several different companies in the market that offer home insurance policies with different kinds of terms and coverages. Remember the following points before choosing a home insurance policy. Explore your options As mentioned earlier, there is a wide variety of home insurance policies available to homeowners at this time. When selecting one, it is important to consider factors like what potential risks are being covered in the policy. It is also important to consider the company’s record in your area, whether they are reliable as insurance providers, and their response time. Ask about discounts Home insurance policy in 2021 offers additional services and discounts. They may offer discounts on additional safety installment services such as installing an alarm system, smoke alarm, or better locks. There may also be certain offers for old and retired personnel as well as some discounts for policies when taken via your employer’s or organization’s reference.
5 technologies revolutionizing financial services
finance

5 technologies revolutionizing financial services

For any industry to sustain itself in today’s world, implementing digital strategies has become indispensable. This holds particularly true for the financial services industry. The good news is that digital transformation in financial services has already begun, and we’ll likely see more and more innovative technologies underpinning banking and financial institutions in the coming years. Keep reading to learn about the latest digital transformation trends in the financial services industry. Big data and artificial intelligence The combination of big data and artificial intelligence is a revolutionary digital strategy that is shaping the future of banking and financial services. The technology helps institutions process, store, and drive valuable insights from the data they gather from their customers’ activities. Big data and artificial intelligence allow institutions to create a highly personalized experience, helping businesses attract and retain customers. Blockchain Blockchain is a fairly new technology that is becoming increasingly popular in the financial services industry. With blockchain technology, all transactions are permanently stored in the blockchain network, providing the highest level of transparency and security. Nobody can tamper with these transactions, which nearly eliminates the risk of error and fraud. Besides security, the technology is being explored for use in a wide variety of banking and investment applications.