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7 mistakes to avoid when opening a CD

7 mistakes to avoid when opening a CD
Most experts believe that a certificate of deposit (CD) is a safe and secure investment option that can provide lucrative returns based on the chosen bank. A CD is a type of savings account offered by banks or credit unions, wherein the invested money is parked for a specified period. Investors might incur penalties if they prematurely withdraw from the account. Moreover, avoiding certain mistakes when opening a CD can help one reap significant returns. Not knowing the types of CDs Most individuals believe that all CDs levy penalties on investors in case of premature withdrawals. While the standard CDs result in penalties for early withdrawals, some other ones, called no-penalty CDs, do not charge penalties if investors withdraw from the account before completion of the lock-in period. Moreover, the lock-in period for these no-penalty CDs is usually no longer than one year. However, it is important to check the differences in interest rates between standard and no-penalty CDs and opt for one accordingly. Withdrawing prematurely Withdrawing one’s funds prematurely from standard CDs can prevent one from reaping the benefits of lucrative returns in the long run. For instance, in many cases, one may be charged three months’ worth of interest in case of withdrawal before completion of one year.

7 most returned Christmas presents to avoid gifting

7 most returned Christmas presents to avoid gifting
Gifting and opening Christmas presents is one of the most exciting events of the year. It is, after all, the season to spread love. Today, however, people prefer items on their wishlist as Christmas gifts and may return them for something else if the gifts are undesirable, which might be embarrassing for the givers. To avoid getting into this situation, here are the seven most returned Christmas presents to avoid gifting during the holiday season. Tools If one has considered gifting a new drill set or a multi-purpose screwdriver, they should stop right away. The receiver usually has a toolbox handy at home with all the essentials to repair or build things. So, one should not give tools, unless the receiver explicitly asks for them because there’s a good chance it might be returned. Glassware While glassware is the most gifted item during Christmas, it is also one of the most returned product throughout the season. If one loves mixing and concocting unique cocktails, they usually have the necessary glassware at home. So, instead of glassware, one could consider giving their loved one a beverage of preference or ask them about what they desire. It’s that simple. Kitchen appliances A person who has lived in a home for a while may have the necessary kitchen appliances.

5 clothes that may affect one’s health

5 clothes that may affect one’s health
Clothing choices are often influenced by fashion trends, personality traits, climate, and the occasion for which one has to dress up. However, very few people think about their health when putting together their outfits. There are certain clothes that may negatively affect one’s health, such as causing allergies, rashes, or, in worse scenarios, long-term health issues. Thus, it is best to eliminate these clothes from the wardrobe and avoid buying them in the future. Skinny jeans Skinny jeans are a popular fashion trend, but wearing them can adversely affect one’s health. This is because they are designed to be extremely tight-fitting, which can build up pressure on the nerves of the legs and groin. Over time, this can reduce blood flow to the lower parts of the leg, causing muscle damage, swelling, and numbness. Additionally, the denim used to make jeans is not a breathable fabric, and sweat can accumulate, affecting the skin’s barriers and leading to infections. Underwire bras Wearing underwire bras on a daily basis for longer hours can have a lot of potential health risks. These include skin problems, the risk of punctures and cuts from the wire, pain in the neck and head, and discomfort in the chest area.

10 telltale signs of charity scams

10 telltale signs of charity scams
Vigilance is a donor’s greatest asset in the vast landscape of charitable giving. The unfortunate reality is that some individuals seek to exploit the goodwill of others through charity scams. These deceptive practices undermine the genuine efforts of charitable organizations and erode the trust of well-intentioned donors. Recognizing the telltale signs of charity scams empowers individuals to make conscientious choices, ensuring that their contributions reach genuine organizations, making a positive impact. High-pressure tactics Legitimate charities respect donors’ decisions and provide ample time for consideration. It raises suspicions if a solicitor pressures individuals to make an immediate donation without offering comprehensive information about the organization or its mission. Scammers often rely on urgency to catch donors off guard, emphasizing immediate action without allowing time for due diligence. Vague mission statements A clear mission statement is a hallmark of genuine charities. If an organization’s purpose seems unclear or vague, it may conceal its true intentions. Authentic charities are transparent about their goals, projects, and how donations will be utilized. If the purpose remains elusive, it’s prudent for donors to exercise caution. Similar-sounding names Charity scams often employ names resembling reputable organizations to create confusion. Donors should verify the charity’s name, ensuring it matches the well-known entity they intend to support.

Top 5 tax-deductible charity contributions

Top 5 tax-deductible charity contributions
Donating to charities is a meaningful way for individuals to contribute to society and gain personal benefits. Unbeknownst to many, charitable contributions made in the country make an individual eligible for tax advantages, creating a win-win scenario. Contributions like cash donations, non-cash donations like clothing or household items, stocks, etc., can lead to tax benefits. Explore some tax-deductible charitable gifts and donations below to understand how to make a positive impact while enjoying financial advantages. Cash donations Cash donations are one of the simplest ways to contribute to charitable causes and get tax benefits. Cash donations can be made in various ways, including checks, credit cards, or through payroll deductions made by one’s employer. If one is donating cash to qualified public charities, it allows them a tax deduction of up to 60% of their adjusted gross income (AGI) in a year. Furthermore, making cash donations to private foundations allows individuals a tax deduction of up to 30% of their AGI. To claim tax deductions, one must keep records of their donations, such as bank statements, canceled checks, or receipts and acknowledgment letters from the charity. Non-cash donations Besides cash, donating goods such as clothing, furniture, or household items can also yield tax benefits.

5 common mistakes people make with their fridge

5 common mistakes people make with their fridge
It is a common practice for many people to stuff their grocery haul into the fridge and call it a day. While stocking a fridge is quick and easy, this approach can do more harm than good. It can increase the risk of food spoilage and hamper the optimal functioning of the fridge. To ensure the appliance’s durability and lower the risk of food spoilage, avoid these common mistakes people often make with their fridge. Not making the most of the fridge space A common problem many face is that the fridge space is not enough to store everything they want. But if one looks closely, they will find many things inside the fridge that have eaten up some necessary space—for instance, bottles of expired sauces or juice boxes and yogurt tubs that have gone bad. A common mistake many people commit is forgetting to declutter their fridge, making it difficult for them to make the most of the available space. Keeping the temperature too high or too low It is important to set the fridge temperature at the correct level depending on the weather conditions. For instance, the fridge temperature can be at the lower end during warm and hot months and towards the higher end during colder months.

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4 common myths about diabetes debunked

When the glucose levels in the body are high and insulin levels are not proportionate enough to convert this glucose into energy, the risk of diabetes increases. It is basically the inability of the body to convert food into energy using insulin. The glucose is broken down into energy for cells to absorb and when this conversion doesn’t take place, blood sugar levels rise. If left unchecked, it can lead to a number of complications. However, there are certain myths about diabetes that can create confusion among the masses. Here is what you must know and understand about the condition. Myth 1: Type 1 and type 2 diabetes are the same. The fact of the matter is that both type 1 and 2 are linked to insulin deficiency that causes diabetes. In type 1 diabetes, the body is unable to produce any insulin, and people suffering from this condition must rely on regular doses of insulin to supplement these requirements. Type 1 diabetes is also an autoimmune disorder that is mostly diagnosed in children. In type 2 diabetes, the body still manages to produce insulin but the cells are unable to absorb the compound necessary for converting food into energy. Depending on the severity of the condition, people suffering from type 2 diabetes may or may not need insulin shots. Myth 2: Insulin dependence Nothing can be further from the truth that insulin is a lifesaving medication and absolutely necessary for people suffering from severe diabetes. The body cannot convert food into energy without insulin. How the supply is replenished does not matter as there is a need for the deficiency to be managed better. People with type 2 diabetes can still manage a healthy lifestyle and reduce their dependence on insulin to a great extent. However, it is a mandatory medication for those who have type 1 diabetes.

The risk factors associated with dehydration

Dehydration is the loss of fluids from one’s body. It can be caused due to something as simple as not having an adequate water intake or perhaps a severe medical side effect. The symptoms of fluid loss caused due to this condition can affect people of all ages. From toddlers and infants to older adults, one can experience mild to severe dehydration depending on the primary cause of the same. Herein, we shall try and understand the severity and risk factors associated with dehydration in people of different ages. Children and infants At a very young age, infants and children are more susceptible to bacterial infections that cause vomiting and diarrhea. Both result in the rapid loss of fluids. Note that infants lose more fluids in comparison to adults. Young children, especially toddlers, unlike adults, may also not realize when they are thirsty. This increases the risk of staying dehydrated unknowingly until severe symptoms indicate the same. It is one of the main reasons why doctors prescribe electrolyte-rich fluids for children experiencing a high fever to help replenish the lost fluids. Seniors and older adults Adults after a certain age face more difficulties as the body gradually loses its ability to conserve water. One’s sense of thirst also becomes acute with old age, which further increases the risk. Individuals might not feel thirsty enough to have the recommended intake of water every day, further causing problems due to the loss of fluids. Furthermore, dehydration can be a direct result of certain prescription medications used for treating diabetes. The side effects can result in a fluid imbalance as medications increase the urine output, thus resulting in a higher loss of fluids from the body. Many medications also list vomiting and diarrhea as potential side effects and both can trigger a severe loss of fluids in the body.

Must-have nutrients and foods for optimal eye health

Our sensory organs are extremely essential in our daily life. Without them, we wouldn’t be able to stand straight, see things, taste, communicate, and live the way we do. But the power of sight is one of the most important of them all. Maintaining good eye health is necessary, and, unsurprisingly, making healthy lifestyle and dietary choices is crucial for this. So, here are a few nutrients you should add to your daily diet to keep your vision in top-notch condition: Vitamin A The deficiency of vitamin A is one of the most common causes of blindness across the globe. Why is this vitamin so important? Well, for starters, it helps manage and maintain the light-sensing cells in your eyes. A lack of vitamin A can cause dry eyes and other serious eye conditions. Best food with vitamin A content: To get the right amount of vitamin A in your diet and maintain optimal eye health, include foods like apricots, carrots, spinach, and yam in your diet in plenty. Vitamin C Vitamin C is present in high concentration in the aqueous humor (the liquid in the outermost part of the eye). The amount of this vitamin in the aqueous humor is proportional to the amount in your diet, and research has proved that people with cataracts tend to have low amounts of vitamin C in their bodies. Best dietary sources of vitamin C: Citrus fruits like oranges, kiwi, lime, and strawberries are all great sources of vitamin C. Broccoli and Brussels sprouts are also healthy sources of this vitamin. Omega-3 fatty acids Omega-3 fatty acids EPA and DHA are essential to maintain good eye health. DHA aids eye function. It is present in the retina and is an integral part of brain and eye development in children. Evidence also proves the benefits of omega-3 supplements for people with dry eyes.

Understanding the different aspects of a flu outbreak

Flu or influenza is a contagious respiratory illness caused by the influenza virus. It can result in mild to severe illness and health complications. A severe flu infection can result in hospitalization and can even prove to be fatal, especially in young children, older people aged above 65, and people with underlying health conditions. There are two main types of flu viruses: Type A and Type B virus. The illness can be periodical and result in seasonal flu epidemics each year. The cold, flu, and its symptoms such as cough is caused due to the type of the viruses mentioned above. Influenza may not always be considered by most people as a serious illness, its symptoms comprising a runny nose, headaches, cough, and muscle pain can be confused with those of a heavy cold. Yet reports suggest that seasonal influenza can claim up to 650,000 lives every year. That is why influenza vaccinations are important because they protect people, especially those in at-risk categories, such as young children, the elderly, pregnant women, and people with vulnerable immune systems or underlying health conditions. What most of us call “the flu” is essentially seasonal influenza because it comes around in the coldest season twice a year, once in the Northern hemisphere’s winter, and once in the Southern hemisphere’s winter in temperate zones of the world. The flu circulates year-round in the tropics and subtropics, which makes it more contagious. The worst part about the influenza virus is that it constantly mutates, enabling it to evade the mechanisms of our immune systems. The virus learns from the responses of the human body and creates a suitable defensive mechanism to survive the attack by the immune system. When a new virus emerges, it can easily infect people and spread due to its contagiousness. Very little to no immunity to a new strain can lead to a simple outbreak becoming an epidemic or a pandemic within no time.

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9 most common types of depression you should know about

9 most common types of depression you should know about

All of us feel low, upset, and unmotivated at some point in our life, but this isn’t classified as depression. Depression is a mood disorder that overshadows a person’s thoughts, feelings, and actions. Signs and symptoms of this grave disorder can range from feeling hopeless and tired to completely losing the will to live. There are several types of depression and they are listed below so you can understand depression and people suffering from it better. Major Depression (Clinical Depression) The hallmark trait of this type of depression is the constant feeling of sadness or loss of interest in social life or any outside stimuli. It often lasts for two weeks or more in which a person can experience symptoms such as hopelessness, fatigue, and suicidal thoughts. Dysthymia (Persistent Depressive Disorder) Dysthymia lasts for years and can disrupt daily life and interfere with personal and professional relationships. Individuals with dysthymia are often seen as dark, pessimistic, or complainers by others, and they have a hard time being happy in typically pleasant situations. Manic Depression (Bipolar Disorder) People with manic depression experience high degrees of mood swings. Their train of thought can take them from feeling euphoric to feeling suicidal in just a few weeks. It is very common to get into a depressive state before or after the manic episode. Postpartum Depression (Peripartum Depression) This depression episode is characterized by dramatic hormonal changes in women after giving birth. They may tend to experience bouts of sadness and cry anytime. The symptoms usually alleviate after a week or two of giving birth. Seasonal Affective Disorder (SAD) People with this type of depression start experiencing depressive symptoms with a change in seasons. For many, it happens during winter. The individual starts feeling worse as the season progresses and can even have suicidal thoughts.
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Simple and practical guide points for expecting parents

Simple and practical guide points for expecting parents

Pregnancy is a new experience in every couple’s life, and one should understand a few things to ensure that the nine months are smooth and stress-free. Simply being prepared for pregnancy and looking forward to the joy of parenthood is not all there’s to childbirth. As a couple, you must understand, review, and adjust your lifestyle. Expecting mothers become their child’s nurturers and supporters from day one, but the expecting fathers, close relatives, and friends must also understand the key roles they will play right up to the due date. Here are a few simple family and pregnancy guide points to help you and your folks get started: Staying healthy Physical and mental wellbeing is extremely crucial for the expecting mother to ensure both her and the baby’s health. Diet plays a crucial role in this process, as the mother is now providing nutrition for the developing fetus as well as herself. As a family, you can take turns to ensure that the to-be mother is staying physically active, eating healthy and regularly, and not cultivating any bad habits. More importantly, family and loved ones should be prepared for the changes to come in the upcoming trimesters. Coping with changes – what to expect Morning sickness in the first trimester is quite common and can put a woman’s body under tremendous stress. Nausea and vomiting may also cause headaches, but medications cannot always be taken, as they may affect the baby’s health. Hormonal changes during pregnancy can cause extreme mood swings, so everyone around must be prepared to deal with this. Maintaining a healthy relationship with one’s partner and responding to their needs is crucial to ensure a healthy pregnancy, especially after the first trimester, when the baby starts developing quickly. Counseling One of the more crucial aspects of family and pregnancy planning is prenatal counseling.
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