9 common annuity mistakes and how to avoid them

9 common annuity mistakes and how to avoid them
An annuity is a contract that binds the insurer to make a series of payments at regular intervals. They can be a valuable investment tool, especially for one’s retirement. However, people may make many mistakes when signing up for these, causing them to pay big sums in interest or deal with losses. Read on to find out more about nine common annuity mistakes people make and how to avoid them. Choosing the wrong insurance provider/annuity Investors can choose between five basic annuities – fixed dollar amount, inflation-adjusted, variable, guaranteed minimum withdrawal benefit, and guaranteed lifetime withdrawal benefits. Each of these has its own pros and cons, and choosing the right type is important to meet one’s financial or investment goals. Additionally, investors also need to pay close attention to the insurance company. These policies must only be purchased from highly reputable companies with a solid financial strength rating. Overlooking the costs Annuities are an expensive investment; failing to pay attention to the fine print when signing up could result in major losses. Just like other retirement tools, annuities too have associated fees, charges, and commissions. Most commonly, these include mortality and expense fees, administrative fees, surrender charges, investment management fees, and charges for optional riders.

8 foods that trigger arthritis flareups

8 foods that trigger arthritis flareups
Arthritis is a leading cause of joint problems among adults across the country. Such a collection of conditions usually results in pain, stiffness, swelling, and inflammation in the vital joints. Many trigger factors of arthritis, including certain foods and beverages, could worsen the symptoms to a level of intolerance. Here are eight common food triggers that should be taken in moderation or eliminated to manage arthritis in the long run. Fatty foods Processed foods bought off the shelves in the supermarket contain omega-6 fatty acids, saturated fats, and trans fats. For example, corn, hydrogenated vegetable, safflower, and sunflower oils contain excess amounts of omega 6. These are some of the most commonly used products in daily cooking, meaning unhealthy fats are indirectly taken. Also, meat and dairy products contain saturated fats that could trigger cholesterol problems. And most of the prepared foods and snacks contain traces of trans fats that add flavor to the food but make it very unhealthy to have regularly. Any form of processed fat can trigger inflammation among those suffering from arthritis. It is best to limit or moderate having these foods. Sugar and sugary products Sugar triggers inflammatory pain in people with arthritis, which does not always mean the sugar added to tea, coffee, or when used as a condiment for popular foods.

Top 4 running shoe brands, and a few tips to consider while buying shoes

Top 4 running shoe brands, and a few tips to consider while buying shoes
The optimal running shoe cannot be determined by rigid criteria. Everyone’s ideal running shoes differ according to their needs. However, people frequently judge their shoes using more negative than favorable criteria. Or, to put it in another way, they discuss what their shoes don’t do rather than what they do. In this article, let’s discuss a few tips to consider while buying shoes and some of the best running shoes to go for: How to select the perfect running shoes? The fundamental parameter based on which you should choose your perfect running shoe is comfort. But why settle for less when you deserve to have more? Besides, your convenience will be determined by several other factors, which you must look for in your ideal running shoes. Primarily, you should focus on the following five aspects: The running surface Not all shoes are suitable for all surfaces. Some running shoes are ideal for roads, some for gravels and trail paths, and others exclusively for the gym. For roads, you need lightweight and flexible shoes; for gravels and rocks, you require shoes with more prominent lugs; for gyms, you need shoes with more surface contact. Thus, a lot depends on what kind of runner you are.

5 Vehicles With the Best 5 Year Resale Value

5 Vehicles With the Best 5 Year Resale Value
Purchasing a car is a significant financial investment that requires careful consideration. Aside from the fundamental aspects such as safety, performance, and esthetics, it is also important to take into account its current resale value. You may want to upgrade to a newer model in a few years, so being aware of its depreciation cost is crucial. This article discusses 5 best options to look for in the market that have an average resale value. Subaru Crosstrek According to some experts, the Subaru Crosstrek’s resale value is 61 percent. It is a subcompact SUV, and the starting price for this car is $23,645. This pricing is for the base model, which comes with a manual transmission, while the Premium model starts at $24,795. If you prefer a CVT automatic transmission, you can upgrade by paying an additional $1,350. There are other models in the Crosstrek series, like the Special Edition, which starts from $26,745; the Sport model at $27,995; and the Limited trim, which starts at $29,495. If you are looking for a hybrid option, they have the Crosstrek Hybrid, which starts from $36,845. It’s important to note that there are some tax incentives available for choosing a hybrid option because it benefits the environment and is supported by the government.

8 critical home renovation mistakes to avoid

8 critical home renovation mistakes to avoid
Home renovations are a major task, especially if you own a big house with a complex design. A lot of deliberation must be done before the project can even begin. Right from coming up with ideas to drawing a plan on paper, you need to consider multiple factors before hiring professional contractors for the job. Further, you must avoid making the following mistakes in planning and executing the home renovation project. Miscalculating your budget Everything costs money. Whether simple repairs or a complete makeover, you must be prepared to spend your hard-earned bucks. But that doesn’t mean you can’t set a realistic budget. Typically, a home renovation is estimated to cost 10% to 15% of the home’s total value. Whatever the estimate, always keep an additional 10% to 20% buffer over the agreed amount. Experts suggest this as a general rule of thumb for calculating the final cost. Material and labor rates keep fluctuating, so you might end up underpaying or overpaying depending on the extent of the job. The bottom line is never underestimate the budget, or you may fall short of the actual costs. Neglecting the natural layout of your home Home renovation is a complex job. It involves making significant modifications to the entire space, including the living room, bedroom, and kitchen.

15 Hidden Samsung Watch Hacks To Try Right Now

15 Hidden Samsung Watch Hacks To Try Right Now
Wearable technology is ever-evolving, and the Samsung Galaxy Watch series is amongst the top ones ruling the market. Samsung’s latest additions of the Galaxy Watch 5 and Galaxy Watch 6 have improved the overall smartwatch experience with newly introduced features and functionalities, some of which have remained hidden to users. Here are 15 lesser-known yet highly beneficial Samsung watch hacks that have the potential to revolutionize the way one interacts with one’s smartwatch. Hidden Samsung watch hacks to try 1. Activate hidden “Developer Options” Samsung Galaxy Watch 5 and Galaxy Watch 6 have hidden developer mode that allows users to control a range of systems and parameters. To access this mode, users can navigate to “Settings,” then select “About Watch,” and tap on “Software Version” five times. This action unlocks the “Developer Options” section in Settings, enabling a deeper level of customization and control over various settings, enhancing the overall functionality and user experience of the smartwatch. 2. Adjust watch animation Users can modify the animation speed on their Samsung Watch through the ‘Animator Duration Scale’ in the Developer Options. This setting allows one to make animations appear either faster or slower, according to one’s preference. 3. Transition animation control This setting, found in the hidden developer options, governs the transitions within the smartwatch’s interface.

Our
Blog.

5 styling ideas for women over 60

5 styling ideas for women over 60

Age is a number when setting a true style statement. Regardless of anyone’s perception, just because you are reaching the 60s doesn’t imply to stop working on your appearance and renounce your desires to look fabulous. Fashion is not just merely about trends; it is about how you express yourself through clothes as the myths of age must not limit your expression. So, here are a few best styling ideas for women over 60: Embrace your age One of the most typical fashion mistakes people make is choosing outfits that are supposed to make them appear younger than their actual age. The problem with such a choice is that you are paradoxically accentuating your age when you try to look younger by wearing an outfit that will be more appropriate for youngsters. For example, if you don high heels, short skirts, or flashy fashions that might be more appropriate for a person half your age, you are indirectly making yourself appear “older.” Instead, you can opt for clothes that are specially tailored for women your age. Sporting “age-appropriate” dresses will conceal your age and make others appreciate your other features like glowing skin or your build. And consequently, you will appear much younger than your actual age.
Read More
5 tips to prevent and manage ulcerative colitis

5 tips to prevent and manage ulcerative colitis

Ulcerative colitis is a long-term inflammatory disease that triggers inflammation and ulcers in the digestive system. It impacts the colon and rectum’s innermost lining. The symptoms are typically produced over a period rather than unexpectedly. According to the latest studies, about 1 million people have ulcerative colitis, and if left untreated, it can be crippling and cause life-threatening conditions. So, here are 5 tips to prevent and manage ulcerative colitis: Get on with the treatment plan immediately Even though there is no concrete cure for ulcerative colitis, proper treatment can help ease the symptoms and signs of the condition and eventually provide long-term remission. If a patient feels that their bowel habits are consistently changing or if they experience any of the following symptoms and signs, they should immediately consult a doctor: Blood in stool Ongoing diarrhea that is not getting cured by any other types of treatments An unknown fever going on for more than a day or two Abdominal pain Diarrhea that wakes up the patient from sleep The treatments prescribed by the doctor will typically include a combination of oral therapy or surgery. As far as oral treatments are concerned, the doctor may prescribe any of the following types of therapies, depending on the patient’s existing condition:
Read More