« Older Entries

The Variation In Fixed Deposits In India

A Fixed deposit is a standard safe investment employed by most individuals. Without thorough research though, different FDs available may appear to be the same. There are, however, several customizable variations available as well. Keeping this in mind, it is best to consider all the possible permutations and combinations before making your final decision. These factors include:

Organization: Most people fail to look for variation here. The lack of research can potentially cost you the best interest rates available. While the traditional approach is to invest in the bank that you use for personal banking, it may not offer you the best rates. While the difference between rates might not be drastic, owing to the competitive nature of the market, it is always better to get more rather than less.

Payout: This is a very important variation between fixed deposits in India . Depending on your strategy, users can ask for monthly, quarterly or annual payouts on the deposit. You can also ask to re-invest the interest earned, in order to gain even more returns. This re-investment feature is similar to the growth feature of Mutual funds, but is not available in every bank or financial institution. It is important, though, to use these options based on your financial requirements, expenses and monthly cash flow.

Time: There are several different time frames available. The minimum period for a fixed deposit investment is 7 days while the maximum period can vary from 5 to 10 years. The best interest rates come from long term investments, though. Most people hesitate to invest for such a long duration and instead opt for the period of a year instead. The relatively shorter period, if you have certain financial requirements in mind, offers the right balance of liquidity and interest rates for most people. As an investor, if you don’t foresee the need or premature withdrawals, you should opt for the longest possible duration as it will result in the highest return. For the most part, the interests for these deposits are almost the same as what is earned on a savings account.

Age group: Senior citizens get higher interest rates in comparison to the lower age group, which could be a big advantage for some. A common strategy to avail this advantage is to invest in the name of your family member who is a senior citizen. This strategy, though, has some limitations. While the returns are higher, it is tougher to get premature withdrawals or overdraft facility if you invest in someone else’s name.

Overall, a fixed deposit has high liquidity and decent rewards. Professional investors, though, don’t favour this as it comes with lower returns than the stock market. Keeping in mind that you will receive around 8 to 10 percent interest, this is understandable. The right strategy will be to use this tool as a potential safety net to help sustain losses incurred in the stock market. You can also use the high liquidity of this investment during any kind of emergency.

Tags:

The Positive Impact of Social Engagement on Senior Health

Enhanced Cognitive Function
As we age, our bodily systems, including the brain, may not operate as efficiently as in our younger years. To maintain cognitive sharpness, it’s crucial to keep the brain engaged and stimulated.

Activities That Stimulate the Mind:
Community game nights or happy hours
Book clubs
Artistic pursuits such as painting or drawing
Bible study groups
Engaging in these activities can help protect against neurological conditions like dementia and Alzheimer’s disease. According to the National Institute on Aging, staying mentally active can preserve and even improve cognitive function. Seniors who regularly challenge their brains through social and intellectual activities tend to maintain their cognitive abilities longer.

Improved Mental Health
The psychological aspect of brain health is just as important as the cognitive side. Isolation and a lack of social interaction can lead to mental health issues such as depression. The American Psychological Association highlights the importance of social connections for mental well-being, especially in older adults.

To nurture mental health, seniors should:

Participate in community events
Invite family and friends to join in activities
Create and cherish new memories through social interaction
These engagements provide a sense of belonging and can significantly enhance mood and overall happiness.

Physical Health Maintenance
A sedentary lifestyle is detrimental to health at any age. The World Health Organization has identified physical inactivity as the fourth leading risk factor for global mortality. Conversely, an active lifestyle is key to longevity and well-being.

Physical Activities for Seniors:
Morning walks or strolls
Games like cornhole or bocce ball
Cycling, hiking, and swimming
Yoga or tai chi
Dance classes
Gardening
These activities not only promote physical health but also provide opportunities for social interaction, making exercise more enjoyable. It’s important for seniors to consult with healthcare providers before starting new exercise routines to ensure safety.

Fostering a Purposeful Life
Social connections and enjoyable activities can instill a renewed sense of purpose in seniors. Being part of a community, whether it’s a book club or a senior group, contributes to a feeling of engagement and belonging.

The benefits of purposeful living include:

Looking forward to each day with hope and excitement
Coping better with life’s changes
Feeling part of something larger than oneself
In conclusion, social activities are essential for seniors, offering cognitive, mental, physical, and emotional benefits. By participating in a range of social pursuits, seniors can lead richer, more vibrant lives.

Tags:

Ayurvedic Liver Detoxification Supplements To Improve Overall Health

Liver is an important part of body which maintains vital functions of body. This organ performs following functions:

1. Bile production (dark green or yellowish brown in color) is secreted by liver which aids in digestion of food particles.
2. Excretion of bilirubin, cholesterol, hormones and harmful substances.
3. Metabolism of fats, proteins and carbohydrates.
4. Enzyme activation.
5. Storage of glycogen, vitamins and minerals.
6. Synthesis of plasma proteins such as albumin.
7. Blood detoxification and purification – Liver converts fat soluble toxins in water to soluble toxins so that they get flushed out of body with urine.
8. Liver also helps in clotting process.

Any slight problem in liver functions gives rise to cirrhosis, non alcoholic fatty liver disease, hemochromatosis, jaundice, sleeping troubles, abdominal swelling, etc. If not treated on time, liver problems can lead to life threatening conditions or death.

Symptoms of dysfunction of liver:

1. Feeling constantly tired even though you have slept.
2. Nausea especially after a fatty meal or alcohol.
3. Rise of skin disorders such as acne, eczema and psoriasis.
4. Severe pain in muscles and joints.
5. Age spots of the skin.
6. Regular or recurrent infections.
7. Since digestion process becomes weak, one has to suffer through constipation.
8. Yellowing of the whites of the eyes.
9. Yellow looking skin.
10. Frequency of fever increases in one having problem with liver.
11. Sensitivity to chemicals, perfumes, petrol, etc., increases due to improper function of liver.

One can use Livoxil capsules which are powerful ayurvedic liver detoxification supplements. These supplements are completely herbal and therefore are safe for prolong use. These capsules are made under supervision of experts to provide a quality product to users. These supplements treat various problems in liver and enhance functions of liver in order to maintain vital functions in body like digestion, blood clotting, protein synthesis, etc. This further helps to improve overall health of a person in a natural way. These supplements promote natural self-repairing ability of liver to overcome damage.

Livoxil capsules contain Bhuiamla, Arjun, Sarpankha, Pitapada, Amla, Mandur bhasma, Chitrak, Kutki, Bang bhasma, Harad, Guduchi, Bukhar-e-mariyam, Kansi, Vaividing, Himsara, Baranjasif, Kasmard, Makoy, Punarnava and Jhabua. These herbs altogether make Livoxil capsules the most effective ayurvedic liver detoxification supplements.

Blend of these herbs performs the following functions:

1. Antiviral action of these herbs treats infection in liver and protects this organ from bacteria and virus attack.
2. These herbs prevent ill effects of autoimmune disorder and reduce inflammation in liver.
3. Because of diuretic nature, these herbs are beneficial for treating liver cirrhosis problem.
4. Powerful combination of these herbs protects liver from hepatitis A, hepatitis B and hepatitis C.
5. These herbs give relief from jaundice, wounds and dyspepsia.
6. These herbs can treat any kind of liver problem and also help in clearing stones from gallbladder.
7. Blend of these herbs acts as a tonic which enhance liver metabolism naturally. This also promotes digestion of fat and sugar inside liver.
8. These herbs metabolize fat in order to reverse effects of fatty liver.

Use these ayurvedic liver detoxification supplements for at least 3 to 4 months consistently to achieve outstanding results. Avoid consumption of alcohol and smoking to maintain health of liver.

—

Tags: