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6 common annuity mistakes and how to avoid them

6 common annuity mistakes and how to avoid them
An annuity is an insurance contract issued and distributed by financial institutions. Their objective is to pay out these invested funds to the investor in the form of a fixed income stream in the future. The investor can buy these annuities with a monthly premium or through a lump sum amount. This type of investment is usually done to get income in retirement years. However, here are some common mistakes people make with annuities. Not shopping around One of the biggest problems with purchasing annuities is that not enough people shop around before they commit to buying from one place. Annuities are known to be profitable for brokers because the commission can be as high as 10 percent in some cases, which means that the investor is paying a lot more than what they need to pay. However, there are many annuity shopping services through which one can invest directly, with no broker. Also, variable annuities are available through particular companies. So, one must explore the available options before making a decision. Choosing the wrong annuity There are four basic types of annuities: Fixed dollar amount – This gives an investor a fixed return on the investment, which is pre-decided and agreed upon.

10 hacks to have the best Cyber Monday

10 hacks to have the best Cyber Monday
It’s no coincidence that Cyber Monday follows Black Friday, its more established in-store equivalent. And a bonus? The parallel shopping holidays go perfectly where millions of bargain-hungry holiday shoppers swarm retail websites. On the Monday following Thanksgiving every year, shoppers take advantage of the limited-time incredible offers and discounts without batting an eyelid. So, here are a few hacks that will help you make the most of this shopping day with full enthusiasm! Follow your favorite brand on social media Following their Twitter and Instagram accounts allows you to keep up with upcoming sales that various brands may offer for Cyber Monday. Twitter is the best source for information about deals and limited-time offers on products or product categories. For highly targeted, presumably relevant offers, Facebook is preferable, whereas Instagram and Pinterest are excellent for visual buyers. Shop in private mode Use your browser’s private or incognito mode to conduct your actual shopping while remaining somewhat anonymous. Although it is not the ideal method, doing this can make you eligible for discounts that aren’t available to someone with your browsing or shopping history. Set alarms Few instances require being proactive since Cyber Monday frequently begins at erratic early hours. However, the truth is that many people wake up at these times, whether early or late.

10 best cat food brands for Black Friday deals

10 best cat food brands for Black Friday deals
In theory, the best cat food brands should be easily distinguished from the rest but may require some research. Your cat’s needs can be established by life stage, activity level, digestive health, and general well-being, in addition to whether they comply with industry and veterinarian standards. To take advantage of the Black Friday sale 2022 for your cherished pet, we have put together a list of the best cat foods available. Smalls Fresh Cat Food Smalls offers cat food made with high-quality proteins such as fish, chicken, and turkey. All the ingredients are of human-grade quality. Provide your cat with protein-rich, low-carb cat food created for all life stages of cats by selecting from minced-style recipes or traditional pâté. Purina Pro Plan Canned Cat Food Numerous well-known veterinarians recommend the brand Purina. This brand employs full-time veterinary nutritionists and makes significant investments in research and development to offer the best quality food. One of the ingredients in Purina products is real, whole meat, which has a high protein content, a moderate amount of fat, and a ton of beneficial fiber. Fancy Feast Gravy Lovers Saving money on cat food is good, but you need to ensure you also choose a nutritionally sound product.

7 foods to avoid when dealing with Crohn’s disease

7 foods to avoid when dealing with Crohn’s disease
Inflammatory bowel illnesses like Crohn’s disease make the tissues in the digestive tract swell (inflammation), which can cause abdominal pain, severe diarrhea, exhaustion, and malnutrition. Choosing the right food can be challenging when affected by Crohn’s disease as certain foods, especially those thought to be healthy, such as raw fruits and vegetables, might cause a Crohn’s flare-up or exacerbate symptoms. So here are some foods that should be avoided when dealing with Crohn’s disease: Caffeine Cramping, bloating, and diarrhea can be brought on by caffeinated beverages, so coffee and caffeinated sodas should all be avoided during an attack. Instead, one can opt for other fluids, water, or even broth to get hydrated. People with Crohn’s should also avoid high-sugar sports beverages as diarrhea may worsen with excessive sugar. Herbal or decaffeinated teas are great alternatives for coffee. One should keep an eye on their urine and aim for pale-yellow urine color throughout the day by drinking adequate fluids. Popcorn Popcorn is a beloved food that is strong in fiber and frequently chosen as a light snack with melted butter. Unfortunately, Crohn’s symptoms can be triggered by both fiber and fat. In general, a low-fat, low-residue diet or a diet devoid of high-fiber or fatty foods is beneficial for those with Crohn’s disease.

4 vitamins that help maintain eye health

4 vitamins that help maintain eye health
Eyesight is one of the most crucial senses, so the eyes need proper care on a daily basis. Multiple eye health complications can develop due to poor nutrition and improper care. If left unchecked, these problems may trigger vision loss or distorted vision, requiring corrective measures like eyeglasses or lenses. However, one can ensure that they have certain vitamins that are absolutely vital nutrients to protect the eyes and improve vision. Vitamin A Most fruits and vegetables contain vitamin A and plant compounds like beta carotene. Studies show that vitamin A helps improve visibility in low lighting conditions. The body also converts essential beta carotene compounds into vitamin A to further meet daily requirements. Beta carotene is instrumental in enabling the retina to produce more pigments that help enhance visibility. Additionally, the eyes also benefit from compounds like lutein and zeaxanthin found in plant-based foods. This is why nutritionists recommend adding carrots, red peppers, sweet potatoes, and pumpkins to daily meals. Ideally, nutritionists recommend maintaining a steady daily intake of up to 900 micrograms of vitamin A for men and 700 micrograms for women. Vitamin E The eyes also need antioxidants to combat free radicals triggering cell damage in healthy tissues.

7 common warning signs of prostate cancer

7 common warning signs of prostate cancer
Prostate cancer is a condition wherein healthy cells in a man’s prostate begin growing aggressively and out of control. If left unchecked, this tumor can spread to nearby organs such as the rectum, bladder, and others. In such instances, this disease is likely to become life-threatening. Fortunately, prostate cancer is often highly curable if healthcare professionals diagnose and treat it at an early stage. Some of the common warning signs of prostate cancer are listed below. Stiffness in the lower back If the tumor is not dealt with during its initial stages, prostate cancer spreads to several areas encompassing the lower back region in a person’s body. The malignant cells can negatively affect the bones, leading to a condition known as bone metastasis. Eventually, cancer affects the spine and triggers back stiffness and pain in people. This symptom can sometimes make it hard for patients to sit. Frequent urination As mentioned earlier, in its advanced stages, prostate cancer can affect surrounding organs, such as the bladder, urethra, and, in the long term, kidneys if it spreads. The urethra and the bladder are two organs close to the prostate gland. So, as the prostate enlarges out of control due to cancerous cell growth, it puts pressure on the bladder, which in turn causes people to feel the urgent need to urinate more often than usual.

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5 early Cyber Monday deals to expect in 2022

We are slowly heading toward Cyber Monday, the most exciting time of the year when you get the deepest discounts on almost all brands. It is a mega shopping event that follows Black Friday. But, with so many sales being advertised, how do you choose the right deals? Here is a quick review of the top offers we saw last year; expect to see similar or better ones at the start of the 2022 sale! Tech and electronics deals We all wait for the Cyber Monday sale to purchase that expensive gadget we have eyed all through the year. Apple is known to issue gift cards on select items during the shopping season when you buy products like MacBooks, AirPods, and Apple TVs. You can use these cards for future purchases and save money. Last year, Soul Electronics offered up to 30% off on select audio gear, with sales running till December. PhoneSoap offered up to 50% off sitewide on select products. Besides massive discounts on gadgets and accessories, these retailers throw in tons of warranties, free services, and other offers, making it the best time to visit for a tech upgrade. Home appliances deals Whether you want to redesign your home or buy a gift for someone special, Cyber Monday is the perfect time to pick up home appliances. You get the best deals on products of all kinds, including refrigerators, toasters, air conditioners, dishwashers, and more. Last year, AJ Madison offered up to 50% off on almost all appliances, and you could also have them delivered to your doorstep without an extra charge. You could also enjoy a flat discount of 20% or more on most appliances at Great Jones without the need for a code. KitchenAid is another brand that offered huge discounts, including 35% on select blenders, 25% on countertop appliances, and 30% on select food processors.

6 toxic plants to keep away from dogs

It has become the norm to keep ornamental at home, especially since they beautify the space tremendously. But, if you are a pet parent, you must exercise caution in picking the potted plants you want. While some plants can cause vomiting or dysentery, a few can cause respiratory, digestive, neurological, or cardiac problems, leading to death. If you have become a pet parent recently, here are six plants toxic to dogs to note: 6 plants that dog parents must take note of Sago palm Sago palm is a very popular ornamental plant for indoor and outdoor spaces. It is known by many names like coontie palms or cardboard palms and is part of the Cycads group of plants. It contains multiple toxins, including cycasin and BMAA. Every part of the sago palm is toxic for your dogs, and the seeds can be the most dangerous. If a dog ingests even a small amount of any part of a sago palm plant, it can affect its nervous system, liver, or gastrointestinal system. You may see symptoms within 15 minutes or many hours. The most common reaction is gastrointestinal irritation, with initial symptoms like drooling, vomiting, and diarrhea. It can also lead to serious complications like neurological problems, resulting in weakness, seizures, and tremors. If your dog has accidentally ingested any part of this plant, it is imperative to visit the vet immediately and begin an aggressive treatment and decontamination process. Castor bean plant The castor bean plant is a pretty-looking wild plant; the oil from its seeds is used as a remedy for constipation. Some also use it as an outdoor decor plant. However, if you are a dog parent, you should avoid having it in your home, as the castor bean is quite toxic to dogs. Dogs tend to get attracted to the pods and relish the bean, which contains ricin, a lethal toxin.

Top 7 beauty and fashion trends

Fashion trends are dynamic and go through constant change and innovation. While some styles have remained timeless for decades, some trends fail to impress and disappear without making an impact. The approach to beauty today focuses on sustainability, minimalism, inclusion, and no cruelty. The trends in beauty and fashion quite naturally follow similar lines. Based on these factors, some of the top beauty and fashion trends in the coming year are as follows: Skincare The buzzword in the last couple of years has been minimalism, especially for skin care. Women prefer to use lesser products for their skincare routines. Utilizing a bevy of cosmetics for everyday skin nourishment and enhancement is time-consuming, overwhelming, and may affect the skin negatively. Skincare trends focus on improving skin health and reducing the negative impact of long-term use of skin-related products. This move hopes to reduce the overuse of skincare and control the damage caused by chemical products. Microbiome skincare is a new trend, featuring prebiotic and probiotic components that nourish the skin. Hybrid beauty Hybrid cosmetics combine multiple active ingredients that now work both as skin care products and as cosmetics. It reduces the time one spends on beauty routine and the number of products one needs to buy, saving money, effort, and time. Hybrid products not only treat and protect skin blemishes but also enhance the skin as they contain a layer of makeup. Beauty Balm and Color or Complexion correction are two of the early hybrid beauty products. New products that combine skincare and cosmetics to correct acne, pigmentation, and wrinkles are likely to be the trend in hybrid beauty. Wellness products With the rising awareness of the overlapping impact of wellness and beauty on each other, there is a demand for new products and services that care for how one looks and feels.

4 timeless jewelry pieces every woman must own

Every woman, irrespective of age, uniquely expresses her fashion style. And accessories play an important role in the manner of expression. If you think that classic metal or gemstone jewelry is expensive or unsuitable for everyday use, it’s time to change your opinion. Some must-own timeless jewelry pieces can never go out of style. They instantly amp up your look no matter the outfit and garner eyeballs wherever you go. Make these exquisite jewelry options yours now. Stud earrings Stud earrings are dainty yet elegant pieces of jewelry. They fit quite well on the top of your ear, emitting the right amount of sheen. It has a singular point with a post that passes through the pierced ear, connected through a backing or a clutch behind the ear. The stud, the main part of the earning, can be made of bare metal like gold, silver, or platinum and/or hold a gemstone like a diamond, ruby, sapphire, emerald, coral, or pearl. The size of the stud and the type of stone could determine the price of the pair of earrings. While stud earrings made with precious stones can be expensive, you can opt for those affordable options with semiprecious stones like turquoise, rose quartz, or garnets. These exquisite and versatile baubles must be a part of your jewelry collection. Whether you pair them with chunkier pieces of necklaces for festive occasions or dainty bracelets for casual outings, you are sure to turn heads. Pendant necklaces A pendant necklace is a versatile piece of jewelry that can tone down or highlight your fashion style. You can choose an everyday necklace made of bare metal like tungsten, gold, sterling silver, white gold, titanium, or platinum. While some necklaces come with fixed pendants, some can be customized with your choice of charms or pendants.

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6 Safest SUVs to Consider Buying in 2023

6 Safest SUVs to Consider Buying in 2023

Are you looking for a safe, reliable SUV for your family? Look no further. Some of the best SUVs for 2023 come with advanced technology, superior driver assistance features, and safety equipment. They can protect the driver and occupants in a collision and lower the impact of the crash. From luxury to budget-friendly options, there is something for everyone. So here are the safest SUVs you can find this year: Dodge Hornet The 2023 Dodge Hornet is a compact crossover SUV that prioritizes safety and reliability. The Hornet has advanced safety features such as forward collision warning, blind spot monitoring, rear cross-traffic alert, lane keep assist, and adaptive cruise control. The interior of the Hornet has premium materials and plenty of space for passengers and cargo. You also get an 8-inch touchscreen infotainment system compatible with Apple CarPlay and Android Auto. The Hornet is powered by a turbocharged 2.0-liter 268-hp engine and a six-speed automatic transmission. The SUV strikes a balance between power and efficiency and delivers good performance. You can look up “Local Dodge dealers near me” and find dealerships that sell the Hornet. You will be able to find great deals on new and used models at a local dealership.
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Top 7 beauty and fashion trends

Top 7 beauty and fashion trends

Fashion trends are dynamic and go through constant change and innovation. While some styles have remained timeless for decades, some trends fail to impress and disappear without making an impact. The approach to beauty today focuses on sustainability, minimalism, inclusion, and no cruelty. The trends in beauty and fashion quite naturally follow similar lines. Based on these factors, some of the top beauty and fashion trends in the coming year are as follows: Skincare The buzzword in the last couple of years has been minimalism, especially for skin care. Women prefer to use lesser products for their skincare routines. Utilizing a bevy of cosmetics for everyday skin nourishment and enhancement is time-consuming, overwhelming, and may affect the skin negatively. Skincare trends focus on improving skin health and reducing the negative impact of long-term use of skin-related products. This move hopes to reduce the overuse of skincare and control the damage caused by chemical products. Microbiome skincare is a new trend, featuring prebiotic and probiotic components that nourish the skin. Hybrid beauty Hybrid cosmetics combine multiple active ingredients that now work both as skin care products and as cosmetics. It reduces the time one spends on beauty routine and the number of products one needs to buy, saving money, effort, and time.
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