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Pros and cons of some of the best retirement investments

Pros and cons of some of the best retirement investments
Investment of any nature and for any goal is always a good idea, apart from saving for your retirement. The rising rate of inflation coupled with reduced pension plans demonstrate the need for retirement-focused investments, which will not just deliver value over an extended period of time. That being said, not all assets are capable of delivering high returns at low risk and have their own set of importance to investor portfolios. To help you make an informed investment decision, here are some best retirement investments and their pros and cons. Cash-balance plans Similar to pensions, a cash-balance plan offers a fixed amount of return at the time of retirement. However, unlike pensions, every employee has a cash-balance account where the lump sum amount is mentioned. Employers credit this account with a set percentage of the employee’s yearly compensation plus interest charges. Pros: A defined-benefit is a major attraction of cash-balance plans. Additionally, you don’t have to pay a single penny for it and yet it offers a tremendous certainty of retirement funds. In case of a job switch, these accounts can be transferred to your new job. Cons: Should you choose to retire early, the plan wouldn’t benefit much.

6 lifestyle habits that may disrupt menstrual cycle

6 lifestyle habits that may disrupt menstrual cycle
The menstrual cycle is a complex natural process controlled by female hormones and causes regular bleeding (periods). However, this cycle could be interrupted due to several factors, including pregnancy, menopause, or underlying health complications. As a result, the period may occur early or late, along with a difference in the blood flow. But apart from natural factors, one might also make these six lifestyle errors that may affect their menstrual cycle. Stressing out Stress caused by factors, including work, personal issues, or other reasons, could be unhealthy for one’s overall well-being. When an individual is stressed, it may cause problems with the gonadotropin-releasing hormone (GnRH), which helps regulate ovulation and menstruation. So the period may stop or change from its normal pattern. While this may not cause long-term problems, it is recommended to look for ways to reduce stress. For example, one could indulge in yoga, tai-chi, breathing exercises, and other techniques to improve mental well-being. Exercising excessively Regular exercise is one of the best ways to maintain physical and mental health. However, intense routines may apply more stress on the body, which might tamper with the hormones responsible for the period. Therefore, it is important to avoid high-intensity exercises if one’s menstrual cycle is affected.

6 foods that help fight migraine

6 foods that help fight migraine
Most people prone to migraines are aware that certain foods can trigger a migraine attack. While it is important to know what foods to avoid, it is equally important to know which foods help in migraine relief. Although some lifestyle changes may help, it is important to incorporate healthy foods into your nutrition regime as well. If you are looking for ways that help manage migraines, here are some foods that may alleviate an attack. Carrot Studies have shown that there is a strong association between dehydration and migraine. Since carrots contain a good amount of water, it may be a great idea to include them in your meals. They are also rich in beta-carotene and contain anti-inflammatory properties. Banana Bananas are rich in magnesium, a mineral commonly associated with migraine management. It also improves palate function and helps in blocking pain-transmitting chemicals, like substance P and glutamate, from reaching the brain. Intake of oral magnesium prevents menstrually related migraine, according to American Migraine Foundation. Dark chocolate Dark chocolate with at least 70 percent cocoa is one of the richest sources of magnesium. It helps you get a good night’s sleep and relaxes the body. However, some people with migraine may find chocolate to be a trigger.

Unhealthy before-bedtime habits that worsen sleep quality

Unhealthy before-bedtime habits that worsen sleep quality
Statistics suggest that more than 30% of the country’s population fails to get quality sleep. This could be due to poor lifestyle choices. Improvement in these lifestyle choices may include avoiding stimulants and switching to branded mattresses. However, at times even mattresses from Tempur-Pedic, Saatva, Sleep Number, Serta Mattress, and Essentia Mattress may not be enough to improve sleep quality. To improve your sleeping patterns, here are some mistakes you should be avoiding: Habits to avoid before going to bed for better sleep Using electronic devices Modern lifestyles require the constant use of electronic gadgets. Unfortunately, phones, iPads, laptops, and even televisions emit blue light, which reduces the production of sleep hormone when it falls on the retina. Although you can install a blue light filter on most devices, it still adversely affects melatonin production. Switch out staring at your phone to reading or meditating to improve sleep quality. Indulging in stimulants Consuming caffeinated beverages or other harmful stimulants can disrupt sleep. While sweets may promote sleep, eating chocolate that contains high amount of caffeine may make it difficult to fall asleep. Although dark chocolate has its benefits, sleep experts recommend consuming it and caffeinated beverages at least four to six hours before bedtime.

Does apple cider vinegar help manage acid reflux

Does apple cider vinegar help manage acid reflux
Acid reflux is a stomach abnormality caused by eating spicy foods, caffeine, heavy meals, and high-fatty foods. It irritates the esophagus lining when the muscles relax at the wrong time and send the stomach acid upwards. While this is a curable disease, frequent acid refluxes can lead to Gastroesophageal reflux disease (GERD). Among its many home remedies, apple cider vinegar is believed to relieve its symptoms, but related research is conflicted. What is apple cider vinegar made of? Apple cider vinegar is made from mashed apple juice, which is then fermented using bacteria and yeast. The added bacteria is referred to as the “mother” since it acts as a catalyst to create vinegar. The unfiltered and organic apple cider vinegar contains the “mother,” which gives it a hazy, dark brownish appearance. It is thought to be high in enzymes, pectin, and proteins. Non-organic variety is pasteurized to remove the bacteria and improve the consistency, making it less healthy. Does apple cider vinegar help with acid reflux? To answer simply, there aren’t enough studies to suggest a direct correlation between the two. Acid reflux brings a sour taste to one’s mouth and creates a burning sensation in the chest. For those who have poor stomach acid production, vinegar can boost stomach acidity and help with digestion.

Foods to eat and avoid to relieve constipation

Foods to eat and avoid to relieve constipation
Constipation is characterized by a difficulty in passing stools and decreased frequency of bowel movements. The causes of this digestive disorder include eating low-soluble fiber meals, being dehydrated, and living a sedentary lifestyle. It is one of the most common gastrointestinal problems faced in the country, affecting close to 2.5 million people. That being said, most mild cases of constipation can be controlled by following a healthy lifestyle and by eating and avoiding certain foods. Here is a list of common foods to eat and avoid during constipation: Foods to eat Prunes Prunes are an ideal choice when it comes to tackling constipation at home. They are packed with fiber, which helps ease as well as speed up bowel movements. Studies have indicated that prunes increase the frequency of bowel movements and improve the consistency of the stool. Apples Apples are one of the best foods to eat for constipation. That’s because they are full of fiber, especially insoluble fiber. Eating apples can increase water content in the colon, soften the stool, and accelerate stool movement through the intestines. For maximum constipation relief, it is advisable to eat raw and whole apples. Oats Oats are a type of whole grain packed with soluble fiber.

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4 key things to consider when choosing a new garden fence

Having a fence around one’s property can serve multiple purposes, such as providing privacy, safety, and keeping away animals or keeping pets inside. Choosing the right fence that is compatible with the house can be a challenging task. Therefore, it is important to take some time to consider the various options available on the market before installing a fence. Moreover, there are several important factors to take into account when selecting a new garden fence. Legal responsibility and planning permission This is one of the most crucial aspects that must be considered before deciding on anything else regarding fence installation. If this issue is not sorted out initially, one may end up spending a lot of money and time in the building and installing the fence, only to cancel everything later on.  Therefore, it is important to understand who would be responsible for replacing or repairing a fence if it is a shared entity between two neighbors. This can be found out through property deeds that provide details regarding which boundaries are the legal responsibility of which neighbor. In addition, it is a good idea to have a discussion with one’s neighbors before starting the work. Also, one needs to figure out whether planning permission is required for the new fence. Privacy and security For homeowners who live in urban or suburban areas, security and privacy are two of the key things they need to consider before building a new fence. If one’s home is on a quiet street with fewer people passing through, an open and breezy fence panel like arched top pailing fence panels may work well. But for those living across busy roads or a locality that has a lot of people and traffic moving around, higher fencing styles such as traditional Close Board Fencing Panels or Waney fence panels should be considered.

10 Designer Perfume Deals to Expect for Black Friday 2023

The much-anticipated Black Friday sale is only two months away, so one can start preparing their shopping list. Besides clothing, appliances, furniture, and other essentials, people with a fondness for alluring fragrances can buy perfumes during this time. Labels like Chanel, Armani, and Bond No. 9 are known to have fantastic offers. Based on last year’s trends and current prices, we’ve listed ten Black Friday designer perfume deals one can expect in 2023. Floral fragrances 1. The Dioriviera by Dior embodies a fresh and fruity fragrance. It’s designed to convey modern and romantic impressions inspired by a rose garden. It also emanates a slight warmness of a pleasant, sunny day. Since the Dioriviera launched earlier this year, it’s hard to say how much it will be discounted for Black Friday. However, last year’s trends indicate premium Dior perfumes like these will likely sell for at least 10% less. Both men and women can use it. 2. Jimmy Choo’s Blossom Eau de Parfum spray was marked down by 50% last sale season. It usually costs $60, but one could pick it up for just $30 at Macy’s. This spray c ombines juicy berries, fragrant florals, and creamy sandalwood, creating a sweet, lively party scent perfect for the holiday season. It comes in a striking fuchsia bottle with a dimpled pattern and diamond-shaped lid. 3. The Armani My Way Eau de Parfum combines floral and woody notes. One of the key ingredients, orange blossom, is extracted from hand-picked bitter orange fruits. This perfume currently costs $155 on the brand’s website. However, for Black Friday last year, sites like Beauty BFF let customers save 30% on Armani perfumes with a coupon code. One can hope such offers repeat in 2023. Fragrances for women 4. The Chanel N°5  Eau De Parfum spray has been around since 1921.

4 benefits of wearing a body shaper

Body shapers or shapewear are undergarments that create a smooth foundation beneath clothes by providing a firm, thin layer of compression. They are often worn to create a smooth silhouette across the bust, hips, waist, and thighs. Shapewear is available in a wide range of shapes, styles, patterns, colors, and types, including body briefs, control camisoles, long-leg shapers, corsets, waist cinchers, and so on. The right shapewear can offer the following benefits: Smoother silhouette Whether one is planning an outfit for a casual day out, party, or a formal event, wearing a body shaper underneath can help elevate the look. The right shapewear can smoothen the seams and hide clothing wrinkles so that the outfit looks well-fitted and sharp. It will give a smoother appearance along with a toned silhouette. Further, aging is a natural process that causes muscles to lose their elasticity and suppleness, making the skin prone to sagging. Here, shapewear can help firm up the appearance of loose skin. Improved posture A full-body shaper that covers the complete torso compresses the body and offers a snug fit. This helps in keeping the back straight and maintaining a good posture. The long-term effect of maintaining a good posture while wearing compression shapewear is that one gets used to naturally sitting, standing, or walking with their back straight, even when not wearing shapewear. This may help in alleviating back and shoulder pain while improving the posture. Helps with sweating Thermal body shapers are special types of shapewear designed to stimulate sweating. These are usually available in the form of vests, pants, shorts, and bodysuits. Most of them tend to focus on the midsection. So, those who do not sweat enough while working out can opt for these body shapers that increase the natural body heat and perspiration around the waist and midsection.

Top 10 Tablet Deals to Explore on Black Friday 2023

Black Friday, one of the most anticipated retail holidays of the year, is right around the corner. This year, it falls on November 24. With early-bird sales and holiday season excitement comes the need for preparation. With each Black Friday bringing with it discounts on everything, from kitchen appliances to phones and tablets, one can add all kinds of electronics to their shopping list. So, here are some tablets worth considering on Black Friday 2023: Slate tablets The slate or standalone tablet is the most traditional variant while also being the most popular option. Here, the gadget comes with a big touchscreen, ranging from 5 inches to 13 inches. While these are usually regular-sized tabs, one may also be able to find mini tablets. 1. On Black Friday, shoppers can expect amazing deals on slate tablets, but one must keep in mind that the prices can differ depending on screen size, features, and other specifications. An already affordable tablet, the Lenovo Tab M8, sold for just $79 at Walmart last Black Friday.  2. Last year, shoppers got a $230 discount on the Samsung Galaxy 14.6-inch tab at Best Buy. This deal is worth following up on this Black Friday. 3. Those looking for affordable Samsung tablets can consider the Samsung Galaxy Tab A8. This gadget carried a $60 discount last Black Friday, selling for just $139. With a 10.5-inch display and 32GB of memory, the tablet can be a great Android option for students. 4. Additionally, Lenovo’s 10.6-inch slate tablet model has previously carried a post-discount price of $139 on the brand’s official website during the shopping season sale. With 4GB RAM and 128GB storage, this tablet is great for students and professionals, making it worth considering this shopping season. 5. The Lenovo Yoga tablets have previously sold for $319.99 during the holiday season.

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Black Friday 2023 – Top 10 Smartphone Deals to Watch Out For

Black Friday 2023 – Top 10 Smartphone Deals to Watch Out For

Even during non-festive periods, smartphones sell like hotcakes in online and offline stores. Most tech enthusiasts routinely feel the need to get their hands on the latest models of their favorite smartphones. With Black Friday 2023 still several weeks away, shoppers can check out the features of their favorite smartphones. All the estimated deals listed in this article are based on the existing retail discounts, and buyers can expect similar bargains this Black Friday. High-range smartphones 1. Different variants of Apple’s iPhone make up the top 4 of the bestselling smartphones in the country. On many retail sites, devices such as the Apple iPhone SE 5G are being sold with discounts that range from about $200 to $250. This means that there is a high percentage chance that similar or better deals will likely emerge for such devices when Black Friday looms closer. The Apple iPhone SE 5G offers fantastic features such as lightning-fast processors, 5G connectivity, 4K video recording capability with 60 FPS, the unique Dynamic Island display, IP67 water resistance, and many more. 2. Samsung’s Galaxy devices come second in the sales pecking order after Apple’s iPhones when it comes to the smartphone market leadership. With the presence of Black Friday looming on the horizon, users can expect great deals on their favorite Galaxy smartphones. For instance, the Galaxy Z Fold 5 is available on many retail sites with existing discounts ranging from 10% to 15%. Shoppers may possibly find such (or better) discounts during the upcoming sale period. The Galaxy Z Fold 5 is a one-of-a-kind foldable phone packed with incredible features such as a massive display, dual-app viewing, immersive gaming experience, super AMOLED screens, and many other niceties. 3. A device that is likely to offer massive discounts during Black Friday is the Google Pixel 7.
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10 Incredible Black Friday Deals to Expect on Laptops in 2023

10 Incredible Black Friday Deals to Expect on Laptops in 2023

Laptops combine the power of desktops with the portability of smartphones, making them suitable for several tasks. But this is also why they tend to be pricey. Unsurprisingly, many wait for sales like Black Friday to buy the model of their choice. Below are ten types of laptops and the Black Friday 2023 deals one can expect on them in the coming months. The discounts listed are based on last year’s sale and current prices. 1. Dual-screen laptops Unlike older dual-screen models, newer ones are much more efficient and non-gimmicky. They have secondary displays with anti-glare capability that perfectly complement the primary screen. A great option is the ASUS Zenbook Pro Duo UX581. It comes with a 15.6-inch 4K UHD NanoEdge touchscreen glossy main display, a cutting-edge Intel Core i7-9750H Quad Core Processor, and a 14-inch 4K matte touchscreen for seamless scrolling and usability. Last year, Amazon sold specific variants of the Zenbook Pro Duo for a discount of 15% in the run-up to Black Friday. 2. Gaming laptops Gamers need laptops that are responsive, less prone to overheating, and armed with high-end graphics cards. In short, they seek devices that will not leave them high and dry in the middle of a high-octane, graphics-heavy game by being laggy and annoying. Thankfully, several gaming laptops tick these boxes, an example being Lenovo’s IdeaPad Gaming 3. The device has incredible features, such as the latest AMD Ryzen 6000 Series processors, GeForce RTX 30 Series GPUs, and Rapid Charge technology to boost battery by 40% in just 15 minutes. Amazon reduced the price of specific IdeaPad Gaming 3 models by $300 last Black Friday, so gamers can hope for similar savings in 2023. 3. Chromebooks Those who prefer the ultra-reliable Chrome OS can check out Acer’s Chromebook 315. It has a powerful Intel Celeron N4020 dual-core processor, a full HD IPS touchscreen, and over 12 hours of battery life!
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