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Put Your Future In Safe Hands By Avoiding These 5 Common Financial Mistakes In Your 30s

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Common Financial Mistakes

Planning your financial future probably isn’t the most exciting task that you will do in your life. While you are busy enjoying your early phase of life you should also chalk out a suitable investment plan for yourself so that you do not face any problem in the near future. You need to be very careful while spending your hard earned money by keeping a track on your investment.

This is important because if you make a mistake financially you might end up losing most of the savings that might trouble you when you’re in dire need of finance. However, most of us are not aware that how much money do we have and how much we spend to meet our personal and financial needs.

It might happen that despite our best financial planning efforts, we are somehow not able to make it leading ourselves into trouble. Here are some of the financial mistakes that may cost you in the long run if not planned well in your 30s that you are likely going to regret later on:

1. Not keeping a track of the funds you have

If you are not aware of where you are spending your money, there is no way you can prioritize your spending. For this purpose, you need to keep a track on your investment and plan your savings goals or figure out a budget.

If you will have a track of where you are spending your hard earned money every single time, you may be shocked to learn where your money goes and how much you are left with.

2. Waiting to invest your fund

You are advised not to wait for too long to put your money in any financial scheme in order to build wealth. Make the most of tax-deferred retirement accounts as well as employer-sponsored plans to avail the benefits.

However, if you are not sure about making your investments, you should talk to a financial expert who can suggest you regarding where you should invest your money by walking you through the basics of risk and how you can put the right mix of risk and yield to fit your goals and investment style.

3. Relying too much on your credit cards to manage daily life expenses

This is one of the biggest financial mistakes committed by younger people in their early 30s. Peoples make use of their credit cards irresponsibly to manage their daily lifestyle which might make trouble for you if you are not able to pay back your monthly credit card bills on time.

As a consequence, this mistake would seriously hamper your credit score which may lead financial institutions to reject your loan applications at the time of need.

4. Not Buying A Term Plan

 Many people choose to go without a term plan even they have dependents. Please note that your term insurance is a safety net towards your better future incase of any critical illness or Misshappeing. They are meant to protect you from a bad time and to make sure that you have the things when you need them the most.

You need to make sure that you must have term insurance coverage with you to support your family from problems in the future.

5. Early Withdrawal from EPF Account

EPF is considered a great financial tool for retirement. Therefore, one should not think of making any withdrawal from a PPF account before retirement as it acts like a corpus of savings and will help you when you require funds after your retirement.

After a point in time when life seems to be settled and the things that you once desired has been accomplished you try to search for new horizons. One such new horizon was. It was only a year ago that I started this journey and now the journey has become a part of my existence.

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Research Shows Soaking Yourself in A Hot Bathtub is Equal To Doing A 30 Minutes’ Walk or Cardio

Priya Verma

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Research Shows Soaking Yourself in A Hot Bathtub is Equal To Doing A 30 Minutes’ Walk or Cardio

Most of us feel lazy if when it comes to walking. Obviously, walking for 30 minutes or more is not less than a struggle who is not used to this. Though we know that walking during the morning is beneficial for your overall health. Still, we don’t take it seriously. As per a new study, it claims that soaking yourself in a hot bathtub helps you burn more calories than doing a cardio or 30 minutes walk. Isn’t that amazing? I mean enjoying a hot bathtub is easier than running or walking and no one would like to say no for this exercise. Let’s see what the benefits of hot soaks are.

Who conducted the study?

A group of researchers at Loughborough University tried to conduct this research and they tried to evaluate the impact of hot water on the body. The participants in the study were asked to take a one-hour bath (104 degrees Fahrenheit), and then they were asked to ride a bicycle for about an hour.

What was the conclusion of the study?

Now, you must be thinking that riding a bicycle would help you to burn more calories but here comes the surprise. Researchers found that taking a hot bath burns 130 calories which is equal to the calories you burn while taking a 30 minutes’ walk.

Have a look at some of the benefits of the hot soaks –

1. Helps you get better sleep

If you want to sleep like a little baby, try adding some lavender essential oil to your hot bath. While an expert at Natural Sleep Medicine explains that it is all about the changes in your body temperature and hot soaks have the same effect on your body.

Also read: 6 Amazing Benefits You will Experience If You Stop Wearing Bra

2. Better breathing

If you are suffering through a cold or allergy or your nose is clogged, enjoy a hot bath. It will improve the function of your lungs and you will be able to breathe easily as hot water adds pressure to the chest and forcing the body to get more oxygen.

3. Better blood circulation

Hot soaks are pretty good for treating your sore muscles and blood circulation in your body. If you don’t have enough time for a hot soak, try drinking a cup of hot tea or herbal tea.

Also read: Switch Over To Coffee Now As You Can’t Stop Yourself after Knowing Its 7 Mind-Blowing Benefits

4. Help prevents sinusitis

Nothing could be worse than getting cold or allergies. To prevent this instantly, try enjoying a hot soak it will give you much relief in a short span. The reason behind this is taking a hot steam bath or steam loosens the mucus deposited in your body and thereby easing your cold and allergies.

5. Treats your sore muscles

Hot Soaks Treats your sore muscles

via: istock

Hot soaks can do wonders and they are great for everyone. Even for those who are trying to recover from some injuries. Eve, hot baths are great for those patients who are dealing with chronic joint pain.

So, what are you thinking about now? Don’t be guilty if you soak yourself in a hot bath for about an hour or so. Keep these things in mind that are benefiting your body while having it.

Also read: 8 Proven Health Benefits of Jaggery on Your Body

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Unveiling the Chief Reasons to Use Outdoor Air Conditioner Covers

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Beelitz Military Hospital

As air conditioning technology is becoming greener and cleaner, there is a boom in the AC industry. As per https://www.bbc.com, this boom in the business of air conditioning is certainly good news on account of several reasons. Studies have revealed that it helps in lowering mortality at times of heat waves. Moreover, in offices, AC makes us far more efficient and productive. As per the findings of an early study, air conditioning made government typists perform 24 percent more tasks. Economists have also, confirmed that there is a strong connection between keeping cool and productivity. Hence, keeping your air conditioners in top condition is of pivotal importance. 

The key reason for covering an air conditioner is for keeping it efficient and running smoothly. An efficient air conditioning unit implies that your electric or energy bills would be lower. This way you could have some savings in terms of replacement and maintenance. As replacing an outdoor air conditioning system could be an expensive proposition, it is a good idea to use a high-quality air conditioner cover for safeguarding your unit from the harsh weather elements.

If you are residing in a region that is exposed to extreme weather conditions such as hailstorms and blizzards, it pays to use an AC cover. An AC cover is great for prolonging the life of your AC unit and saving you from spending on expensive replacement and repairs. In this context, you must keep in mind that outdoor air conditioner covers may not be essential in regions with mild climatic conditions. However, outdoor AC covers are great for keeping out dirt, leaves, grass, rocks, and other harmful debris. 

Reasons to Use an Outdoor AC Cover

Freezing Rain and Winter Snow

Cold winter conditions could cause havoc to your air conditioning systems. Snow could get accumulated on top of your AC unit and things could become hazardous once the snow starts to melt and seeps into the AC’s interior. Depending on the metals your AC unit is made of and how old the unit is, water could trigger rusting and corrosion. Moreover, the water would be refreezing all around the AC’s condenser coils gradually weakening them. Snow and freezing rain would be causing ice to get deposited on the AC’s fans. This could destabilize the fans and your AC would not be functioning to its optimal capacity. Your home would not be cooling properly if the AC is not repaired and restored in spring.

Dust and Leaves

Dust and falling leaves could get lodged into your AC unit and could compel it to work harder than required. By covering your AC unit when autumn is over, you are saving yourself from the trouble of cleaning the dust, dirt, and crumbled leaves from your AC unit at the advent of the spring season. If you are not careful, an exposed AC unit may require to be dissembled for getting wet leaves out of the blades.

Hail

Midwestern weather seems to be pretty unpredictable. You could encounter hailstorms before the advent of the blizzard season. If your AC unit is not covered and secured properly, it could be damaged by falling chunks of ice. Your AC unit could be bent and damaged if unshielded from harsh weather conditions such as hail.

Icicles

Icicles or falling ice could damage your AC unit if it is not covered properly with a protective AC cover. Your air conditioning unit would be getting damaged from falling ice if it is placed under a deck, tree, railing, or even the roof’s edge. Icicles could drop from heights and land on your air conditioning unit resulting in internal damage to your AC machine. 

Conclusion

The right air conditioner covers are essential to ward off the effects of inclement weather conditions. Once you know about the dangers to your air conditioning unit, you would not have second thoughts about buying a perfect cover for your AC unit to keep it protected and always in top running condition.

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6 Best Home Remedies To Cure Phlegm Congestion in Chest and Throat Quickly

Priya Verma

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6 Best Home Remedies To Cure Phlegm Congestion in Chest and Throat Quickly

Mucus or phlegm congestion in your throat or chest is the most discomforting thing one could experience on falling ill. And if it is not treated well on time it starts getting stubborn and can cause some serious infections in your respiratory tract. Not only you will experience discomfort or pain, but the deposition of heavy phlegm also makes your chest feel heavy due to which you are not able to even breathe properly. Since time immemorial, Indian households rely on home remedies to cure such ailments without taking any medication.

We have listed down some of the best remedies to try at home to sure your phlegm congestion in your throat and chest.

1. Drink honey and lemon juice

Drinking honey and lemon juice could benefit you. You need to add lemon juice and honey in a glass of hot water. Drink this mixture at least 2 to 3 times a day. Honey is an excellent natural decongestant that easily soothes your sore throat and chest while lemon contains vitamin C which helps in boosting immunity.

2. Drink warm water

Drinking warm water will relax your throat and will slowly heal your throat and chest congestion. Also, it will help in dissolving mucus in the respiratory tract and relieves congested chest. This remedy is even recommended by the health experts because it is really helpful.

Also read: 9 of The Easy Home Remedies To Treat Migraine Headaches Without Any Medicine

3. Gargling with salt water

This home remedy is the most trusted one by many. You have to take a half tablespoon of salt in a glass of hot water and gargle for 1 or 2 minutes. Make sure you do not swallow the water while gargling. Repeat the process for at least 3 to 4 times a day.

4. Inhaling steam may help

Inhaling steam along with eucalyptus oil in water can do wonders for your congestion in the throat and chest. You don’t need to do anything. Just add some eucalyptus oil in a hot water and try inhaling the steam by taking deep breaths. Believe me, you will immediately get relief from the stubborn congestion. This is because of eucalyptus oil contains analgesic and antibacterial properties that ease up congestion quickly.

Also read: Say Good-Bye To Stretch Marks Permanently With Natural and Home-Made Remedies

5. Turmeric

Turmeric is also best known for easing congestion. You can add a pinch of turmeric powder in hot water and gargle. Turmeric has an active compound known as curcumin that helps in dissolving mucus easily. Not only it helps in relieving chest and throat congestion but it also treats cough and cold by killing harmful bacteria.

6. Warm compress

Have you ever tried this home remedy? This remedy can give you instant relief from congestion. What you need to do is take a washcloth which should be dipped in hot water and try laying it over the affected areas of your body. The warmth will heat and liquefy the mucus easily.

If you haven’t tried these remedies, then give it a try at least once then you will get to know how effective they are.

Also read: How To Get Rid Of Butt Acne Using Home Remedies?

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