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5 lesser-known features of term insurance

5 lesser-known features of term insurance
Term insurance is just like life insurance. The only major difference is that while life insurance covers the policyholder all their life, term insurance protects for a fixed duration. If the policyholder or the insured passes away within that period, the insurance company pays the beneficiaries the claim amount. Term insurance plans are available nationwide at several insurance companies and financial institutions, so one can easily sign up for them. Why purchase a term insurance plan? Like permanent life insurance, term insurance offers several benefits, making it a good investment option. The biggest reason to buy a plan is that it provides financial stability to the family and dependents after the policyholder’s passing. All one has to do is visit an insurance provider, choose a suitable policy, and pay a regular premium. Then, in case of an untimely death, the company will compensate the beneficiaries. A policyholder can rest assured that their family will continue to have access to finances and maintain their standard of living after their passing. The loved ones can use the money to pay their daily expenses, like groceries and utility bills, and even pay off debt. This peace of mind is why many get a term insurance plan.

8 Mistakes to Avoid When Switching Mobile Phone Carriers

8 Mistakes to Avoid When Switching Mobile Phone Carriers
According to a survey, one-fifth of individuals nationwide claimed they were at least “somewhat likely” to switch mobile phone carriers in the following year. One may switch phone carriers for various reasons, including the need for better coverage quality or increased Internet speed. Understanding the new mobile carrier’s features and reliability is essential to choosing a mobile carrier. In addition, here are some mistakes to avoid while switching mobile phone carriers: 1. Switching at the wrong time Often, when switching mobile phone carriers mid-month, the previous provider may not refund one’s money for the remaining days of the month or generate a bill that considers only the number of days one has availed of the previous provider’s service. Hence, users will likely incur losses if they do not time their switch appropriately. Switching one’s phone carrier on the last or first days of the month is advisable to minimize or eliminate losses. 2. Opting for providers charging early termination fees Some providers may charge an early termination fee upon termination within 30 days of customers availing themselves of the provider’s services. It is essential to avoid opting for such mobile phone carriers, as one should have a reasonable trial period to ensure that the service provider caters to one’s requirements effectively.

9 common mistakes to avoid while buying term insurance

9 common mistakes to avoid while buying term insurance
Term insurance provides a financial cushion for the family. If the policyholder passes away during the specified term , the beneficiary receives a death benefit . This amount is usually not taxable and provides the family with financial stability and comfort in the long run. But, choosing an insurance plan requires research. One must pick the right provider, choose the necessary benefits, and read the terms carefully. One must also avoid making mistakes when buying term insurance. Not buying the right policy at the right time While term insurance premiums remain consistent across the policy duration, the amount is calculated based on the policyholder’s age when applying. That’s why one should consider buying early. It results in a low annual expense across the policy term and higher savings. Still, that does not mean individuals must invest in a term insurance plan immediately after they start earning. Buying a policy is advisable only if a person has financial dependents or has taken a huge loan. Buying for a short duration While buying term insurance is a wise decision, one must choose the tenure carefully. Many experts recommend buying a long-term policy that remains active into one’s golden years. Sure, the shorter-term plans have affordable premiums, but the amount increases when renewing the plan down the line.

8 tips for preventing aortic stenosis

8 tips for preventing aortic stenosis
Aortic stenosis is a heart condition caused by the narrowing of the aortic valve. The condition may go unnoticed for years before it worsens, so proactive measures may be required for prevention. Understanding its causes, risk factors, and symptoms is pivotal in developing a robust prevention strategy. So here are a few tips that can help fortify heart health. By incorporating these practices, one can significantly lower the risk of developing aortic stenosis. Understand the causes The narrowing of the aortic valve due to aortic stenosis limits the flow of blood through the heart. This may develop due to multiple reasons. Recognizing these factors can help one take proactive steps toward prevention: – Aging and associated natural wear and tear of the aortic valve over time can lead to narrowing. – Accumulation of calcium on the valve can cause it to stiffen and narrow. – Congenital heart problems, i.e., abnormalities in the aortic valve at birth, can lead to aortic stenosis. – Untreated strep throat or scarlet fever can lead to valve damage. – Certain autoimmune disorders and inflammatory conditions can trigger valve inflammation. – Having a two-leaflet valve (bicuspid aortic valve) instead of the normal three can lead to stenosis over time.

Top 20 foods to eat and avoid for bad breath

Top 20 foods to eat and avoid for bad breath
Bad breath, or halitosis, is a prevalent condition that can be embarrassing for individuals. It can result from various factors, including poor oral hygiene, dental problems, and even certain foods. While maintaining good oral hygiene practices is crucial in combating bad breath, incorporating specific foods into one’s daily routine can also help freshen the breath. Here is a range of foods that can effectively fight bad breath and the ones that can aggravate the condition. Foods to fight bad breath Here are some foods that can naturally freshen one’s breath: Sugarless mint gums One of the quickest and most convenient ways to combat bad breath on the go is by chewing sugarless mint gums. Mint possesses natural deodorizing properties that make it an effective choice for freshening the breath. Chewing gum also stimulates saliva production; saliva helps in washing away bacteria, food particles, and odor-causing compounds. Most sugarless gums are readily available in stores and are easy to carry. Fresh herbs Fresh herbs like parsley, cilantro, and mint contain natural chlorophyll, a green pigment that acts as a potent deodorizer. Chewing on a few leaves of these herbs after a meal can help neutralize odors and leave one’s breath smelling fresher.

7 foods that help reduce the risk of cancer

7 foods that help reduce the risk of cancer
In a world where most ready-to-eat meals contain excess fats and calories, finding a balance becomes necessary. The food one consumes helps maintain overall health, reduces the risk of a disease, and hastens the recovery process. This is particularly true in the case of cancer. While no food can cure cancer, intake of certain vegetables, such as the ones given below, may reduce its risk. This article additionally touches upon options for cancer treatment. 7 Foods That Help Reduce the Risk of Cancer Berries Berries like blackberries, mulberries, strawberries, and blueberries are rich sources of vitamin C, folate, potassium, and manganese. They also contain a high amount of antioxidants, including ellagic acid, gallic acid, and chlorogenic acid, and have anti-cancer properties. Garlic Garlic is a vegetable that contains an active compound called allicin. One study concluded that people who ate a large number of allicin-rich vegetables such as garlic, onions, leeks, and shallots had a lower risk of stomach cancer. Tomato According to some experts, this fruit is a cancer-fighting superfood. Tomatoes contain lycopene, which is an antioxidant phytochemical that keeps away heart diseases. They are, additionally, a rich source of vitamin A, C, and E, all nutrients that help reduce the risk of cancer.

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6 mistakes to avoid while booking a hotel

Various online platforms have made booking accommodations a breeze. Whether you are traveling within the country or abroad, you need to make sure that you have chosen the right place to say and made the bookings correctly, so there’s no issue when checking in. However, certain common mistakes people tend to make when booking hotels can put a hitch in their trip. Here’s a list of six such booking mistakes that you should avoid: Not clarifying the different elements of the rate Many a time when making a booking, people just see the room rate. They forget to check out other additional components of the room rate. For example, many forget to find out about taxes. If you are booking online, there are resort fees that you may not see immediately and forget to check about. The resort fee is an amount charged for certain amenities at the property and is mostly not part of the basic room rate. You may realize the extra amount to be paid only when you arrive at the hotel, and at that time, it is too late to cancel your booking without paying a hefty fee. Therefore, it is best to gather all information before you make the booking. This way you will not end up being in a sorry state spending more than budgeted for the trip. Choosing non-refundable rates to book the room This could be another big blunder. Non-refundable rates usually are lower rates than the normal rates, that’s why these are so attractive. Sometimes, the non-refundable tag are prominently displayed but at times it can be mentioned in tiny fonts somewhere below that is easy to miss. Unfortunately, situations can change anytime and what was once a confirmed trip, you may need to cancel the booking eventually. There could be an emergency at the home, or office, or you may need to change the dates, etc.

7 things to avoid doing when staying in a hotel

Staying in a luxurious hotel can be exciting. You can enjoy several amenities, personalized services, and complimentary benefits. But you should be cautious. Experts and travel enthusiasts have devised several dos and don’ts to follow when in a hotel to avoid confusion and make the trip more memorable. Special focus should be on the don’ts as these can risk your safety in a new place. Here are seven things to avoid doing in hotels: Opening the door instantly Many instantly reach out for the doorknob on hearing the doorbell or a knock. This is a big mistake. While it is okay to assume that the person on the other side would be a housekeeping staff or an F&B person, it is best never to take a chance. This is especially applicable if you are in another country, traveling for the first time to a place, or staying at the location as a first-time guest. Verify the visitor’s identity before opening the door. You can do so by looking through the peephole or glancing outside through an adjacent window. Letting strangers inside can be costly if they turn out to be someone with the wrong intent. Packing the hotel’s bathrobes in your suitcase This is nothing short of stealing; you could be in big trouble if caught. Besides the legal hassles, pilfering the hotel’s properties speaks poorly about your manners. Taking a small bottle of shampoo, conditioner, or body lotion may be okay because these usually end up in the trash. But not bathrobes for sure. Similarly, do not just pick other linen pieces, small electronic items, or any artwork from the room. Hotels conduct a thorough inspection after you leave and could impose legal charges if the offense is serious. Using throw pillows In luxury hotels, you may see throw pillows lying on sofas, chairs, and other sitting areas.

7 easy ways to accessorize any outfit

Accessories tend to not only enhance your attire but also make you appear vibrant. Be it a casual chic look or an utter formal attire, adding some flash and bling just infuses life into your overall appearance. However, your accessories can perform their assigned role correctly only if perfectly styled. Here are some easy techniques and tips you can apply to up your fashion game and bring the best out of your outfit: Do not pile up on accessories at a time Most people commit the mistake of donning all the available accessories at once with an outfit. It must be noted that as far as accessories are concerned, less is always more. The purpose of using accessories is to highlight your outfit. However, if you adorn your outfit with several accessories like a watch, scarf, jewelry, sunglasses, hat, etc., all at once, none of them will stand out, making your outfit look cluttered and even awful. Highlight neutral clothes with bold accessories While neutral-colored clothes can look dull and understated, they are also the most perfect ones to be used as a field for experiments. If your wardrobe is filled with neutral colors like olive, navy, beige, white, or black, now is the time to boost them by pairing them up with some bold-colored accessories. Here are a few methods to do that: Pair a navy or black dress with a thin hot pink or red belt. Highlight your dull olive or khaki clothes using a flashy yellow or orange scarf. Add some hue to your colorless white blouse by pairing it with big drop earrings or a multicolored statement necklace. Don’t be too matchy While it could be tempting to pair up the blue polka dots of your dress with some matching blue shoes, a blue necklace, and blue earrings, it would make the outfit too predictable, boring, and even childish.

8 must-have accessories for men

Accessories tend to constitute a crucial part of outfits. They are those magical wands that have the power to infuse life into the dullest of clothes. However, they can be equally intimidating if one is unaware of the basic rules of accessorizing and invests in the wrong pieces. So, here is a list of men’s accessories that never go out of style and, therefore, are a must-have in one’s wardrobe. Sunglasses When it comes to accessories, nothing comes close to a pair of sunglasses. They are practical, flattering, and the perfect solution for hiding the shadows under your eyes. Not to forget, they play a vital role in protecting your eyes from the sun’s harmful UV rays. Besides that, they are here to stay for a long time unless broken due to a mishap. Make sure you keep the style classic and subtle with tortoiseshell or black frames and dark green, black, or brown lenses. Wallets While paying for your necessities is now as simple as swiping a card or transferring through a smartphone, the charm of billfold wallets doesn’t seem to subside. And why not? They are practical, strong, yet flexible enough to accommodate their contents effortlessly, and, most importantly, they are durable too. They come in various prints, colors, and designs to suit every personality. One can also get them customized with initials or personal charms. Stainless steel watches These are the practical, no-nonsense cousins of the gold watches with a long lifespan. Besides that, they are extremely versatile. A classy watch can instantly amp up any outfit – be it a formal suit or a casual T-shirt and jeans. One can never go wrong with this men’s accessory. Durable belts Belts are not merely for holding your trousers in place; they also add to your overall look.

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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.
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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:
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