6 Tips to Create and Maintain a Healthy Lifestyle

1. Manage your weight
What foods do you reach for when you’re hungry? Do you go for a pint of ice cream or a bag of chips? In what ways do you subconsciously eat? Automatic eating patterns may include eating when; watching television, driving and working. Begin to notice when you “automatically” eat. Many people complain that weight loss diets are too harsh and they don’t even work. I think they fail to take into consideration the smaller portions they eat subconscious throughout the day. Pro tip: Don’t buy snacks you won’t resist. Sweets, chocolates, and cookies are my guilty pleasures.

2. Do yoga
Practicing yoga is one of the most realistic fitness goals you could set. Yoga nourishes our mental and spiritual states while exercising. Yoga is often associated with getting flexible and relaxing. Few people believe it’s great for getting in shape. Besides from cardiovascular benefits, yoga is an adequate exercise for your muscles. Vinyasa and Bikram yoga is even better choices for those targeting weight loss. Practicing more often and having extended sessions is required.

3. Routine check-ups are a must
Car owners take their cars to be serviced each month. How many of us take such good care of our bodies? While cars and planes get routine checkups, it’s sad we never do the same for our bodies unless we’re sick. During checkups, doctors determine what tests to perform based on our health conditions. Cardiovascular fitness should be complemented with regular visits to the doctor. Our lungs, heart, and muscles work together in more ways than we think.

4. Eating more protein
Protein-rich foods aren’t for bodybuilders only. Proteins help in losing those extra pounds by keeping you fuller for longer. While nuts and beans are good protein sources, fish, eggs, and meat contain amino acids essential to fitness. Know your limits. The same proteins that help losing weight may make you fat.

5. Keep your cravings at bay
It is hard resisting chocolates. Especially dark-chocolate chips. Let’s be real, controlling cravings for unhealthy foods is the hardest part of dieting. How do we avoid craving for sugar-rich processed junk? Surprisingly, we often confuse thirst for food cravings. When desiring specific food, drink water. If it goes away, you were just thirty. Plus drinking a lot of water reduces appetite. It, therefore, aids in weight loss. Plan meals. By knowing your next meal, you eliminate uncertainty.

6. Drinking more water
Why should you stay hydrated? Your mind is mostly water. Drinking water increases mental alertness. Your psychological state is heightened, and you can concentrate. Plus, your energy levels get a boost too. More water leads to frequent urination and sweating. This flushes out toxins while reducing risks of forming kidney stones and getting urinary tract infections. Looking for an anti-aging solution? Water is your best friend. A moisturized skin is softer, smoother, glows more and less likely to develop wrinkles.

Types of Fashion Cuff Bracelets

There is a wide variety of cuff bracelets available in the market. These are available in varying sizes and materials. These imitation bracelets have been a part of human culture since ancient ages and are still widely popular. In this article we shall have a look at the various categories of cuff bracelets available in the market today at the disposal of the consumer.

Noble Metal Cuffs

These cuffs are made of noble metals like gold, silver and platinum of varying purities. These fall under the category of Fine jewelry. Pure Gold is an extremely soft metal and often needs to be alloyed with other metals to be used in making jewellery. The addition of the alloy leads to a variation in the color of the gold. The various colors created thus include, rose gold, white gold, yellow and also a combination of these.

These metals can be easily molded to create various designs and shapes. These cuffs may be engraved with certain precious or semi-precious stones or these cuffs may simply be a product of a metal sheet that has been beaten to form a semi-circular cuff that goes around the wrist. Since these noble metals are very malleable, noble cuffs can come in a variety of designs and widths.

Semi-precious stones such as topaz, agate, and turquoise can be incorporated into other cuffs and set into a metal band. There are cuffs that have precious gemstones such as rubies, diamonds and emeralds encrusted in them for those looking for the finest of fine jewellery.

Costume Jewellery Cuffs

The jewellery that does not include the use of precious metals or stones in its making is known as costume jewellery. The cuffs that fall under this category are not created to be worn on special occasions rather are designed to be worn every day. These cuffs are immensely popular with young women and girls. These cuffs are usually made with the use of metals such as stainless steel, bronze, copper or pewter or some other alloys. There are a number of these cuffs that are available in sterling silver. Costume jewelry, unlike fine jewelry, does not involve the use of precious gemstones. These cuffs usually have rhinestones, cubic zirconia, glass paste gems or semi-precious stones set in them.

Woven Wristband Cuff

The loose knitted or woven cuff is another very popular category of the cuff bracelet. These often include the use of elasticated wristbands with the some imitation gemstones set in them such as hematite, diamante, cheap crystal or some other imitation stones. Being popular among teenage girls, these cuffs also make a much popular gift item for these girls.

Tribal Cuffs

Hemp, coral, leather, turquoise, jade or other semi-precious stones are either used as inlay or set as whole in these cuffs. The image of these cuffs is generally that of being cost effective but still some of these cuffs can be made with the use of gold. However, silver is more popular than gold when it comes to tribal cuffs. Turquoise is often paired with sterling silver to create the patent look of these cuffs which is that of tribal art.

Conclusion

As we have seen, there is a wide variety of cuff bracelets available in the market. For those who want to buy or those who are involved with the business of selling cuff wholesale, it is essential to develop a basic understanding of the differences involved in the various categories of these cuffs. It is essential to have a working knowledge of what makes a particular cuff different from the other and what makes it special. There are imitation cuffs, costume cuffs and custom made cuffs, apart from these cuffs, available in the market. As buyers or as sellers, it is essential of study thoroughly and gain insight into the nuances of differences that make these cuffs different from one another.

6 Tips to Help you Find the Best Deal on Your Mortgage

When you are short on cash, it’s best to go for a mortgage, as there are banks and NBFCs that offer you loan against this collateral.
However, it is important that you find the best deal on mortgages so you don’t end up making an unprofitable bargain.

The interest rates that you would pay for your mortgage would depend on a few factors that you need to look at before applying.
In general, any investor would love to pay as little as possible and spend that money on other things.

Here are few tips to help you get the best deal on the mortgage you take:

1. Research and Shop Around

When shopping for mortgage schemes, don’t settle for the first quote you find. If you are taking the loan for buying a new home,
your real estate agent might direct you to a few set of lenders and claim that they offer the best interest rates.

However, make sure that you research the market and settle only for the best deal.Securing the best mortgage can be complicated and it can be a time consuming process. Compare the interest rates online before taking the final call,
whether you’re approaching a local lender or a big financial institution.

2. Spruce up your Credit Scores

Brushing up on your credit score is important before applying for a mortgage loan.
Your eligibility and the interest rate offered will depend on your credit score.

The better your credit score, the lower the rate and the more choices for home loans you would have.
Home loan against property is a common mortgage scheme offered by most of the banks and NBFCs.
Even if you already have a home loan in your name, you can still get mortgage loans.
You know abut the home loan eligibility criteria and need to provide the right set of home loan documents.

3. Increase the Down Payment

It’s not easy to save enough for the down payment. However, paying more for the down payment can help you get a better interest rate.
You can also save yourself from paying for mortgage insurance which is charged by many lenders if your down payment is really low.

4. Income Stability and Employment

Lenders prefer borrowers who show proof of a steady employment for at least the past 2 years. In an ideal world,a person who has been in the same company for the past 2 years or has shifted to a better-paying job is a preferable candidate to lenders have strict norms for self employed people, and you’ll need to document your business income along with your tax returns for the past two years.

5. Debt-to-Income Ratio

DTI or debt-to-income ratio can be measured in two ways.

The first is a backend ratio that measures the total of your minimum debt payments and your new housing payments on a monthly basis divided by your overall income.
The front end ratio, on the other hand, focuses only on your housing costs without taking your debts into account.
The lower these ratios are, the more likely you are to get a better deal from banks and NBFCs.

6. Lock your Rate

If you manage to find a low interest rate but still want to shop around, don’t forget to lock the rate.
This would ensure that you at least have that rate if you don’t find something lower.
Most of the lenders would allow you to lock the rate for a period of 30 days.