Archive for July 2022

3 Easy Ways To Help You Start To Lower Your Cholesterol

For many older adults, their cholesterol may need a bit of work. And because so many health issues can put your life at risk when your cholesterol is out of control, it’s wise to start now with making changes for the better so you don’t wind up in an assisted living facility before it’s really necessary.

To help you see how you can make some smart changes that will benefit your health, here are three easy ways to help you start to lower your cholesterol. 

Exercise For More “Good” Cholesterol

Not all cholesterol is bad. In fact, your goal should be to reduce the cholesterol that is considered bad and to increase the cholesterol that is considered to be good. 

One way you can improve the amount of  good cholesterol that you have in your body is to exercise more. It’s been proven that if a person gets a moderate amount of physical exercise on a regular basis, they can raise the amount of good cholesterol, or HDL, that they have in their body. 

To get this type of exercise, consider getting moderate physical activity for 30 minutes about five times a week or doing strenuous exercise for about 20 minutes at least three times a week. But if you’re going to be going from doing no exercise, taking small steps like taking a daily walk, going for short bike rides, or participating more in your favorite sport can help to get you on the right track, too. 

Switch Up Parts Of Your Diet

The food that you eat plays a big role in your health. Despite how much exercise you’re getting, if you’re only feeding your body unhealthy foods, you’re not going to see much if any benefit from your physical efforts. So to get the maximum benefit for your cholesterol levels, you’ll likely want to switch up some parts of your diet as well. 

Ideally, you should try to avoid saturated fats and trans fats whenever you can. Unsaturated fats, like those found in fish and nuts, are actually very healthy for you and should be eaten much more often than any other kind of fats. Along with this change, you should also try to eat more soluble fiber, which can be found in things like fruits. 

Start Taking The Right Supplements

For many people, eating or cutting back on the right foods can only go so far. In addition to this, what can be very helpful is to start taking the right supplements as well. So if you’re not already taking things like fish oil, psyllium, or coenzyme Q10, you might want to speak with your doctor about starting these supplements to improve your cholesterol levels. 

If you want to be healthy enough to live to see a ripe old age, consider using the tips mentioned above to help you get your cholesterol to a healthy level. 

Four rules To Remember Before Taking a Loan

In recent times, unemployment has risen notably. To counter this, the governments have been encouraging start-ups in order to reate more career opportunities. For this, several grants and loan policies have been introduced to support start-ups.

The money requirements of a start-up are easily fulfilled by taking a loan of the right value. However, the loan taker must satisfy some criteria in order to be granted the loan amount. This includes a proper credit score, relevant transaction history. Ensure that there are no pending loans or EMIs as it affects the credit score. One can find some good at money lending in toa payoh. In this digital era, it is possible to get online loans within two days if the requirements are met.

Things to Keep in Mind Before Taking a Loan

Applying for a loan should always be well-thought and based on the need. Also, the market should be assessed for applying for a loan at the right timing. It ensures that you are charged cheap ROI in the present scenario. Below are some things that need to be ensured.

Never Borrow More than you can Repay

Most of the time we are over calculative when it comes to expenses. It happens that we tend to take more loan than actually required. As the prices of things rise continually, it is vital to ensure that you have debt that you can repay. There have been several instances where loans result in bankruptcy. Having said that one should be mindful that the borrowed amount will have to be repaid with interest within the allotted time duration.

Keep Tenure as Short as Possible

The more the amount, the more years it takes for loan repayment. Although if you are capable to pay more per EMI, it may take a shorter duration. It is advised that the tenure should be as short as possible to avoid any risk in future. For example, for a 50 lac loan repayment within 20 years, the EMI you would pay on that would be around 45000 and if you increase the by 5 to 6 % then loan can be paid off easily in  about 12 years.

Ensure Timely and Regular payment

Timely repayment of loans is necessary as this also helps maintain your reputation in banking transactions. Missing an EMI or delaying a payment severely impacts your credit profile.

Don’t Borrow to Invest

It is  very important that one should not use borrowed money in investments. Fixed deposit and bonds do not always tend to match with the interest you will pay. On the other hand, investments with higher returns are too volatile.

Conclusion

Sometimes before taking a loan it is. Important to look back and ask the question about whether we actually need it. It is possible that yhe idea of more money is so appealing that we forget it needs to be repaid or even the purpose at times. Before applying for a loan, write down the needs and reasons why you need that amount. It helps to reflect on our decision and help to understand the actual value of money.