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5 common mistakes to avoid while taking supplements

Foods and beverages provide the necessary nutrients to support physical and mental activity for growing children and adults. However, the body gradually loses its ability to break down foods and beverages to extract and absorb nutrients effectively with advancing age. Even some underlying health complications can trigger nutritional deficiencies, forcing one to take supplements extracted from natural foods and beverages. Here are five crucial mistakes to avoid while taking supplements:

Taking too many supplements
The body can absorb and process only a finite amount of nutrients daily. So, taking more can trigger unnecessary complications without any of the inherent benefits of supplementing. More is not always healthy, especially regarding supplements made from synthetic extracts. Also, not all vitamins, minerals, and nutrients can be taken at once since mixing supplements has multiple side effects, even the most basic ones for boosting immunity and overall metabolism.

Combining the wrong supplements together
Never take calcium and iron supplements together, as calcium lowers the body’s ability to absorb iron effectively. The same applies to magnesium and calcium, which should never be taken together. It’s alright to take them apart at long intervals. Vitamin C is great for boosting immunity, and vitamin B12 helps boost energy and cognitive function and improve mood. However, taking both vitamins at the same time forces vitamin C to lower the amount of vitamin B12 absorbed by the body. Taking excess vitamin C with iron also increases the risk of iron toxicity in the body, so double-check these nutrient combinations as well.

Buying the wrong kind of supplements
Not all products available on the market are okay for consumption, especially when it comes to taking supplements. One of the bigger mistakes here is buying without verifying the contents or source of these nutrients. Never buy supplements from vendors or online sources that are selling them for cheap. Avoid buying synthetic kinds, as the body will be forced to work twice as hard to digest these nutrients. Also, avoid the kinds that come with artificial sweeteners and refined sugars added to improve the taste of these supplements.

Taking supplements only to support recovery
Some supplements aid the body’s immune system during recovery, while others should be taken regularly to keep essential functions in check. For example, some supplements boost the metabolism, improve digestion, or enhance the body’s ability to absorb vitamins and minerals. Consult with a certified nutritionist to understand if any underlying deficiencies must be addressed by taking supplements daily. Follow the directions of a qualified doctor and take supplements only as advised. Avoid self-diagnosis and treatment based on information shared by friends or family members.

Taking supplements with prescriptions
Always check with the doctor to understand what supplements are safe to take with existing prescriptions to treat underlying chronic health complications. Supplements and prescriptions can trigger an adverse reaction without properly considering compounds. Always double-check with your healthcare provider before adding or removing supplements.

Coping with urges that can trigger a relapse post treatment

Addictions when left untreated can turn into crippling conditions. One can be addicted to smoking, binge drinking, or even shopping. Once addicted, one willfully submits to urges, despite having satisfied them before. However, addictions can be managed and to a great extent treated to full recovery. But, the post-recovery phase is crucial where both the mind and body are put to test and can trigger a relapse. Continue reading to know more about the most common triggers for addictions and how to deal with them.Stress Stress is commonly the root cause of many problems and addictions, both physical and psychological. One can become an addict as a way to manage the stress that may stem from strained relationships or priorities. The best way to avoid a relapse during recovery is to make lifestyle changes that donât trigger a return to addictions amidst a stressful situation. One can practice mindfulness, engage in relaxation techniques, manage oneâs time to avoid stressful situations, and imbibe healthy eating habits and exercise in their daily routine. EmotionsThere is an umpteen number of triggers that invoke a positive or negative emotional response. However, the stress associated with dealing with emotions daily can trigger urges without one even realizing. Often, one turns to a glass of alcohol or relies on prescription medications to put the mind at ease. It is not a permanent solution and prolonged use of these substances can cause more harm in the long run. One must learn and explore productive ways of controlling emotions better to avoid a relapse during recovery. For example, writing and maintaining a journal that contains oneâs feelings and thoughts can act as a healthy outlet. Similarly, there are other healthy ways to channel oneâs energy and manage emotional responses.Positive conditioningPeople who have addictions such as smoking or drinking may often find themselves in situations where a lit cigarette or a glass of wine can trigger a relapse. This is understandable considering these substances were the primary source of comfort and relaxation. However, with positive reinforcement and reconditioning one can train the mind and curb such urges. Relaxation doesnât always mean techniques like yoga or meditation, it can also be pursuing your hobby. Counseling for group gatheringsBirthdays, parties, New Yearâs events, and any celebration in general call for alcohol consumption and smoking. At times, these could be the very addictions one is recovering from, and in a social gathering, such temptations can be strong. However, a recovering addict should refrain from indulging in any of these as even a taste can turn into a relapse. For instance, a recovering alcoholic must avoid having a single drink as that could put him/her on a slippery slope to relapse. Here, one-on-one counseling can help prepare the mind to resist the urge. It is never healthy for a recovering addict to simply avoid socializing fearing a relapse.

Signs and risk factors of increasing levels of cholesterol

Cholesterol is a waxy, fat-like substance that is produced by the liver. It helps in the formation of cell membranes, hormones, and vitamin D. Although cholesterol is needed by the body, too much of it can cause multiple health problems, especially for the heart. Moreover, since cholesterol cannot travel through the body, particles called lipoproteins do the job. Letâs understand these in detail and learn about the symptoms of increasing cholesterol levels. Forms of lipoproteins LDL is a form that makes up most of the cholesterol found in the body. However, too much of LDL puts the heart at a high risk of developing diseases like stroke and other cardiovascular diseases. The high build up of LDL on the walls of the arteries is called plaque. HDL absorbs the cholesterol in the blood and brings it back to the liver. This is then flushed out of the body, therefore, higher levels of HDL are considered to be good for one's health. Symptoms of increasing cholesterol levels There are no specific early signs of increasing cholesterol levels; however, one should always be observant of the bodyâs responses to food, environment, and activities. In most cases, high cholesterol is only observed too late when it is already affecting the body with health illnesses like a stroke or heart disease. However, here are some risk factors that may point at increasing cholesterol levels. High blood pressure (BP) Also known as hypertension, high BP can cause several health issues, especially related to the heart. If one suffers from high BP frequently, it is time to get the right tests done to check their cholesterol levels in the blood. Unhealthy lifestyle Eating too many processed and packaged food items and fried foods can cause several health issues, including high cholesterol. It is important to control junk food intake and go for regular check ups. Genetic condition A condition called familial hypercholesterolemia can increase one's risk of getting high cholesterol. It is important to speak to a doctor to understand the potential risks of this disease and how one can control their cholesterol levels. Diseases caused by plaque build up Coronary artery disease This is a type of heart disease that develops when there is plaque build up in the arteries that supply blood to the heart. These arteries are narrowed or hardened due to this waxy substance. Some symptoms include chest pain, shortness of breath, extreme fatigue, pain in the neck, jaw, upper abdomen or back. Peripheral arterial disease This happens when the plaque builds up on the walls of the arteries and blocks the blood flow to organs like kidneys, stomach, feet, arms and legs. Common symptoms include cramping, discomfort in legs and arms, fatigue, and pain in legs during activities or exercise. One must undergo a regular check up to determine their cholesterol levels. Several health insurance plans also cover cholesterol tests. Moreover, Medicare Part B covers both preventative and necessary blood work requirements for high cholesterol. One can also get life insurance even if they have high cholesterol; however, the insurance premium may be high.

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4 tips that can help you pick the right investment advisor

An investment advisor can be a game-changer. A capable advisor can help solve most of your financial issues and give you the best investment advice so that you can turn market situations to your favor. But, finding the right investment advisor is not easy. Here are a few things you need to keep in mind while looking for the best investment advisor. Know what type of service you need First, you need to decide what kind of financial assistance you need. Do you need help picking investments? Or are you seeking advice on real estate, retirement, or insurance needs? Asking yourself these questions will help determine the type of investment advisor you are looking for. Nowadays, many people use a robo-advisor, which is as competent as a human investment advisor. A robo-advisor is great for investment management and other basic investments. But if you want substantial transformation in your money-situation, a human advisor is the viable option. Choose a fee-only advisor If you’ve decided to pick a human advisor, the next step is to choose the type of advisor: commission-based, fee-based, or fee-only. If you’re planning something big financially, you must pick a fee-only advisor. Such advisors work for and get paid by other clients like you, so they always act in their clients’ best interest.

Handy tips for retirement-focused investments

With pension plans becoming more and more obsolete, retirement-focused investments have come to the fore in the past few years. Besides helping you fund your future, these valuable assets also provide incredible gains, and in some cases, constant income till the end of life. Since investing for retirement—and planning it—can prove to be challenging, we have put together a list of tips that may be helpful in the process. Assess your options Multiple investment vehicles are ideal for long-term gains and can return a sizable amount by the time you retire. Mutual funds, stocks, bonds, exchange-traded funds, cash investments, annuities, and dividend reinvestment plans (DRIPs) are also good sources of high returns, although they depend on investor characteristics and risk aptitude. Saving money in certain tax-advantaged accounts such as 401(k), individual retirement accounts (IRA), and brokerage accounts is also an option. Start early and young No one is ever too young to invest. It’s a healthy habit that can earn serious money in the long term, with even the smallest of investments capable of making a difference a few years down the line. Starting early gives your money time to grow and lets you accumulate more compound interest over a period of time.

4 popular credit cards for college students

A good credit score is essential as it can be a criterion for lucrative job prospects or renting an apartment. Moreover, a good credit score is an uncompromisable necessity while applying for a loan that has terms and conditions that favor you. To ensure that you have a good credit score, it is better to start building it young and early. One of the easiest ways to do so is by applying for a student credit card from prominent credit cards companies. Now, there are several credit cards companies that offer lucrative credit cards, making choosing the right one confusing. To help you narrow down your choices, here are some of the best credit cards companies that offer student credit cards. Bank of America® Travel Rewards Credit Card for Students: One of the biggest credit card companies in the country Bank of America offers a slew of benefits with its student credit card. With each dollar spent using this card, students can earn 1.5 points. This applies to purchases without any caps. The points can be redeemed as discounts on hotels, flights, rental cars, and vacation packages. There are no restrictions or blackout dates applicable for availing these discounts. With no foreign transaction fee or annual fee, the card allows one to earn nearly 25,000 points on spending about $1000 in the first 90 days.

What you must know about guaranteed business loans

If you’re looking for funding your small business with a loan, you’ll most likely come across the term “guaranteed business loans.” People often misunderstand this term as business loans that are guaranteed to be approved. But, this is not what guaranteed business loans means. To clarify the confusion, let’s understand what the term actually means, and discuss the most popular types of guaranteed business loans. What are guaranteed business loans? In simple terms, guaranteed business loans in the world of small business loans refer to loans that are secured or backed by a guarantee. The guarantee can be in the form of collateral, deposit, or an agreement. This essentially means that the lender is guaranteed to receive their money back even if the borrower fails to pay. When we talk about guaranteed business loans, we refer to loans with a personal guarantee or, more commonly, loans guaranteed by the small business administration (SBA). Let’s take a look at both these types. Personally guaranteed business loans As you understand from the term “personal,” when you make a personal guarantee on a business loan, you essentially agree to sell your assets to pay off the loan, if your business is unable to do so.

5 mistakes to avoid when investing in a high dividend ETF

Exchange-traded funds (ETF) have been gaining popularity in the investment sector for some time now. Along with mutual funds, they have been one of the most preferred investment options among investors. With investors having pumped in billions of dollars in ETFs by now, these funds sure seem like a lucrative investment avenue. However, financial experts suggest treading this path carefully so as to avoid unforeseeable losses. Here are a few mistakes that you can avoid while investing in high dividend ETFs: Overlooking long-term investment Looking at long-term goals is the golden rule when it comes to any type of investment. However, seasoned investors invest in ETFs on a short-term basis through a type of trading called intraday trade. This type of trading allows the investors to buy and sell stocks and other investments on the same day. However, if not thought out carefully, investing in high dividend ETFs through intraday trading can result in lower returns and higher trading costs. Buying an ETF simply based on its name This is one of the most common mistakes people make when investing in high dividend ETFs. Investors may think that an ETF’s name provides an insight into its investment reach, i.e., whether the ETF has local or/and global investors.

How to qualify for a reverse mortgage

A reverse mortgage provides the elderly access to equity in their homes and supplements their income. With its flexible repayment option, it gives homeowners more control over their money. However, the government has laid out strict rules and guidelines concerning reverse mortgage eligibility criteria. So, if you’re considering a reverse mortgage, read on to know the reverse mortgage eligibility criteria and the types of reverse mortgages. Reverse mortgage eligibility criteria The first criterion for a reverse mortgage is that the primary homeowner must be at least 62 years of age. If your spouse is under the age of 62, you might still be eligible if you meet other reverse mortgage eligibility criteria. If you’re not 62 or older than 62, then you won’t qualify for a reverse mortgage even if you satisfy the criteria mentioned below. You must be the primary resident of the home you’re seeking a reverse mortgage for. Note that vacation homes or rental properties do not qualify. You must either entirely own the house or have at least 50% equity in it. If you have any mortgage balance remaining while applying for a reverse mortgage, you must be in a financial position to pay off that balance.

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