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4 budget-friendly cruise lines
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4 budget-friendly cruise lines

Cruises are popular these days. They allow you to sit back and relax while exploring the oceans and visiting new destinations. But, most cruise trips turn out to be very expensive. These high costs can be attributed to high cruise fares, onboard and port spending, and even travel. But, what if we tell you that there are affordable cruise lines that do not break the bank? Read on to find out more. Carnival Cruise Line If you’re looking for a budget-friendly affordable cruise line, this one fits the bill. The Carnival Cruise Line was founded in 1971. The popular cruise line offers cruises to almost 425 locations, including the Caribbean, The Bahamas, Europe, Canada, Hawaii, Australia, and even the Panama Canal. The best part about the Carnival Cruise Line is its offerings. Living on one of their ships is like attending a huge Carnival out at sea. What sweetens this deal is the fact that the 24 ships of this cruise line are as affordable as $229 per night for one person. Carnival Cruises are more family-oriented, and they ensure that they provide the best entertainment for all age groups. Princess Cruises And much like its parent company Carnival, Princess Cruises provides the best cruise experience at minimal costs.
Top 3 counties with the highest cancer rates
health

Top 3 counties with the highest cancer rates

Not many people may realize this, but the location of an individual’s residence plays a huge part in their overall health. The pollution, changing climatic conditions, and exposure to carcinogens can lead to serious conditions, such as hypertension and cancer. Over the years, there has been significant research on which counties have the highest rates of cancer. This article talks about the top 3 counties in the country that qualify. Top 3 Counties with the Most Cases of Cancer Union County, Florida This county ranks first in the list of counties with the highest rates for all types of cancer. It ranks high for cases of lung cancer, leukemia, and colon and rectal cancer. Union County’s high rate of 1,135 cancer cases every 100,000 people is almost double the second entry on the list. It was recognized as the least healthy county in 2017. The lack of funds and poverty levels prevalent in the area could be the leading cause of cancer since it prevents citizens from accessing the health services required. Logan County, Nebraska With 677.2 cancer cases per every 100,000 people, this county comes in second on the list. It ranks high for the most Non-Hodgkin lymphoma fatalities.
Foods that help reduce the risk of melanoma
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Foods that help reduce the risk of melanoma

Melanoma is a form of skin cancer that develops in the cells that produce melanin. Melanoma can also form in the eyes and, in rare cases, the nose or throat. The cause of the condition is unknown, but there are many factors that can contribute to its development. In this article, we shall discuss how certain foods affect melanoma. Continue reading to see which ones can help you fight this condition. Foods with high protein content When it comes to managing melanoma, it is important to add protein-rich foods to your meals. This is because protein is one of the building blocks of the human body, and they contribute to a lot of essential body functions. Proteins help with repairing cells and rebuilding tissue. They also help strengthen the immune system and help the body recover from illnesses. Whole grains Whole grains are an essential part of a healthy lifestyle. They are a great source of both fiber and carbohydrates that help the body stay energized. Individuals can add foods like oatmeal and brown rice to their meals instead of processed and refined grains. Fruits and vegetables Fruits and vegetables are rich sources of nutrients, antioxidants, and vitamins. Antioxidants found in many fruits and vegetables protect the body from damage caused by free radicals.
4 foods to relieve migraine symptoms
health

4 foods to relieve migraine symptoms

Migraines are headaches that cause severe throbbing and pulsing sensations, typically on one side of the head. Patients may also experience nausea, vomiting, and sensitivity to light and sound. While there is no cure for migraines, specific treatments can help manage the symptoms. Furthermore, nutrition plays a vital role. Certain foods can help reduce migraines, whereas others can act as triggers. This article discusses the different foods that can help relieve migraine symptoms. Foods rich in magnesium Foods with high magnesium content can help relieve migraines because magnesium can block brain signals that lead to these headaches. Some foods rich in this element include bananas and avocados. Bananas also have high energy content, which works as a great reliever during a severe headache. Foods with omega-3 fatty acids Studies suggest that getting the required amounts of omega-3 fatty acids can help reduce the overall frequency as well as the intensity of a migraine attack. Foods high in omega-3s include fatty fish, such as mackerel and salmon, and seeds and legumes. Ketogenic foods Although elimination meal regimes do not work for everyone, a few studies show that a ketogenic meal plan can help patients find relief from migraine symptoms. However, note that certain ketogenic foods can have the opposite effect.
6 superfoods that help reduce cholesterol levels
health

6 superfoods that help reduce cholesterol levels

Cholesterol is a naturally-produced essential fatty substance in the body. The type of fat found in the blood helps the body build healthy cells, thereby ensuring it functions smoothly. However, excess cholesterol is harmful as it can lead to fatty deposits in the blood vessels, narrow or clog the arteries and increase the risk of heart conditions. Below are six foods that help lower cholesterol levels and also improve heart health. 6 superfoods that help lower cholesterol levels Apples Apples are rich in a type of soluble fiber called pectin that brings down cholesterol levels by about 10 percent. It also helps reduce triglycerides, which is a type of fat in the blood. In addition to their fibrous content, apples also contain polyphenols, which could help control cholesterol levels. Avocados Avocado contains monounsaturated fatty acids or MUFAs, which keep the cholesterol levels in check and help in keeping the heart healthy. This fruit contains about 10 grams of fiber. You can pair it with whole grain, pumpernickel, or rye toast to make it even more fibrous. Add a squeeze of lemon juice or sprinkle some herbs like oregano for extra flavor. Dark chocolate Cocoa in dark chocolates contains flavonoids that control blood pressure levels and lower cholesterol.
Buy Samsung Galaxy S22 with AT&T’s incredible offer
smartphone

Buy Samsung Galaxy S22 with AT&T’s incredible offer

The Samsung Galaxy S22 has been the talk of the town, thanks to its high-end hardware and impressive cameras. It comes with a sleek design and updated operating system, catching everyone’s eye. Considering the sophisticated features, the device comes with a high price tag. Thankfully, Samsung has teamed up with AT&T to offer the best deals on the Galaxy S22. Here’s how you can buy the Samsung S22 basically for free through this deal. Get $800 off! You can get your hands on the new Samsung S22 with up to $800 off by going through the AT&T trade-in offer. All one needs to do is: Fire up the AT&T and go to the cellphone section Select the Samsung S22 and choose the capacity you want to buy (128 GB or 256 GB) Scroll down to “trade-in your current device section” and select the model you wish to trade in Upon selecting all the details, you will likely receive the same discount offer (about $800 off) Once you finalize the payment, you will receive the new Samsung S22 along with a trade-in kit. Buyers must send their trade-in device within a month of activating the Samsung S22. Once your trade-in device is verified, you will receive bill credits.
Foods that people with eczema should avoid
health

Foods that people with eczema should avoid

Eczema, scientifically known as atopic dermatitis, is a skin condition that leads to dry and itchy skin on the body. It is usually caused by inflammation. One can tackle this condition’s symptoms by eating the right foods and avoiding the wrong ones. The wrong foods can often trigger flares and worsen the condition. Read on to learn more about the foods that should be eliminated from your meals if you have eczema. Cow’s milk Cow’s milk is one of the most common eczema triggers in children. In rare cases, it can also cause flares in adults. However, completely removing milk and dairy products from a child’s meals can lead to vitamin and other deficiencies. Instead, this food should be avoided only in cases of severe eczema. Doctors can also suggest food substitutes for cow’s milk. Eggs Eggs are commonly known as eczema triggers in both adults and children. While the reason behind this is unknown, studies show that almost 70% of those who have eczema are allergic to eggs. Aside from this, long-term consumption of raw eggs can lead to biotin deficiency, triggering eczema. Soy Soy and soy products are rich in amines that can trigger eczema. Individuals suffering from eczema can avoid soy by reading the labels carefully because soy is present in many foods including chocolate and tea.
4 habits that are bad for vision
health

4 habits that are bad for vision

Having 20/20 vision or poor eyesight is not in one’s control. Any changes in eyesight are predominantly dependent on one’s genetics. Not to mention, age can also play a role in worsening one’s vision. But, experts also believe that many everyday habits could be a factor in this deterioration. In this article, we focus on understanding these habits, how they harm us and discuss ways to tackle them. Avoiding eye protection One of the biggest causes of eye and eyesight damage is the lack of proper eye protection when doing certain tasks. There are many everyday tasks where dangerous elements can enter the eye. The only way to prevent eye damage in such cases is to use proper safety sunglasses. Excessive screen time These days we rely on technology for even the most simple task. This has led to an increase in screen time for almost all professions. Not to mention, screens are also used in personal aspects. We love watching TV and browsing the Internet on our phones. But, all this screen time can have an adverse effect on one’s eyes. Staring at screens can make us blink less, which eventually dries out our eyes. Dry eyes tend to become red and itchy, affecting eyesight in the long run.
3 foods that are bad for lung health
health

3 foods that are bad for lung health

Lung conditions affect a lot of people across the globe. In most cases, people tackle these conditions and diseases with various treatments. But, aside from treatments, individuals can fight these ailments and promote lung health with the help of food. Certain foods can strengthen the lungs and keep symptoms at bay. But, some can aggravate the condition, negatively impacting lung health, increasing the risk of lung diseases. Read to know foods that you should avoid. Bread Bread is one of the foods that can contribute to poor lung health. Bread is made of simple carbohydrates such as refined flour and sugar. These foods are known to affect the overall health of the body. They can even have a negative impact on lung health. This is because these foods are harder to break down and require the body to work harder to metabolize. Foods that are low in carbohydrates are less taxing on the body. They also produce less carbon dioxide in the body, which bodes well for those with existing lung conditions. To promote better lung health, individuals can opt for complex carbohydrates instead. Chips Processed foods, in general, are not good for the overall health of the body. They are packed with saturated fats, preservatives, and other harmful food additives.
3 tips to manage Parkinson’s disease
health

3 tips to manage Parkinson’s disease

Parkinson’s is a neurodegenerative condition that affects the movement of the individual. It affects the brain and the nervous system and leads to symptoms such as uncontrolled movement, stiffness, tremors, and loss of balance and coordination. Approximately one million people in the country have Parkinson’s disease. Read on to learn more about the effective ways to manage this condition. Here are the treatment options, foods to eat and avoid, and lifestyle changes to manage Parkinson’s. Treatment options Although Parkinson’s disease is not curable, there are many treatment options. These help slow down the progression of this degenerative condition and tackle the various signs and symptoms. Here are some of the common treatment options prescribed for Parkinson’s disease: Levodopa One of the most potent treatment options for Parkinson’s disease is levodopa. It can often cause nausea and vomiting. This is why it is usually prescribed or available in combination with carbidopa. Levodopa is a precursor of dopamine, and it is used to control the bradykinetic symptoms that affect movement. Carbidopa Carbidopa is a class of treatments called decarboxylase inhibitors. It focuses on preventing the breakdown of levodopa into dopamine before it reaches the brain. RYTARY® RYTARY® is an extended-release carbidopa/levodopa oral capsule.

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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.