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Vitamins 101: What Should You Be Taking

Ashley Nielsen
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0
Vitamins 101: What Should You Be Taking

Your body needs many essential vitamins and minerals to function properly. Ideally, you’d get all the vitamins and essential nutrients your body needs from your regular diet. However, most people, even those that eat healthily, don’t get enough vitamins through food. While consuming all the different food groups throughout the day is ideal, it’s unrealistic. Most adults do not get their nutritional requirements from their diet alone, making taking vitamins a crucial part of many people’s daily routines. 

Taking vitamins can help supplement your diet and improve your physical and mental health. When your body isn’t getting enough nutrients, you’ll feel it and maybe even see it. Everything from fatigue to hair loss is a sign of vitamin deficiency. Vitamin deficiencies are serious, so getting enough vitamins every day is important. This article will discuss the importance of taking vitamins and what vitamins you should take. 

Importance of Vitamins

Vitamin production in our bodies slows as we age, leading to deficiency in many different nutrients. Vitamins play a significant role in our health and wellness, preventing disease and improving general health. Taking a multivitamin daily can lower your risk of many diseases, including cancer. In addition, multivitamins can help boost your immune system and fight off toxins and germs. Always consult your doctor before taking a new vitamin or supplement to ensure it’s healthy for you based on your unique health needs. 

What Vitamins to Take 

Everyone is different; many people are deficient in vitamins, while others are deficient in other vitamins. What vitamins you need to take will mostly depend on your diet. The nutrients you’re not getting from food are those that you’ll need to take in supplement form. Here are the vitamins you might need to take daily. 

  • Vitamin A: This vitamin maintains vision, immunity, and skin health while promoting fertility and regular cycles in women. You get vitamin A from eggs, shrimp, fish, dairy products, and of course, carrots. Animal products typically contain higher amounts of vitamin A, making them the more efficient option if you need more vitamin A in your diet.
  • B-vitamins: There are many different types of B vitamins, but this group is typically known as the energy vitamins because they help metabolize food into energy. However, vitamin B also helps detoxify the liver, promotes nerve function, and produces hormones. In addition, B vitamins improve brain function, and deficiencies in B12 and B6 have been linked to cognitive decline and mental health issues like anxiety and depression.
  • Vitamin C: Many people take vitamin C when they’re under the weather because it’s an antioxidant that can protect your cells from free radicals. It also strengthens the immune system while killing viruses in the body. However, vitamin C also aids in the absorption of iron and enhances collagen production to improve skin health.
  • Vitamin D: Vitamin D is created through the skin from sunlight. However, you can also obtain some amounts of this vitamin through food. Vitamin D works with magnesium, vitamin K, and calcium to support healthy bones. However, it can also decrease inflammation and protect your immune system while providing essential brain support. Unfortunately, vegans often lack enough vitamin D because food sources are animal products or byproducts, so if you live in a place that doesn’t get sun year-round, you’ll likely need a vitamin D supplement. 
  • Vitamin E: This is another antioxidant known for promoting skin health. Vitamin E decreases inflammation and helps repair damaged skin while preventing the signs of aging. When taken alongside vitamin C, it can also help reduce skin problems like acne and eczema. 
  • Vitamin K: Vitamin K has two forms, one known for its ability to help the blood clot and the other known for its effects on bone health. Vitamin K2 enhances calcium and vitamin D absorption to help your bones stay strong. It can also increase bone mass.
  • Magnesium: Magnesium is a mineral that improves bone health and enhances energy production. However, it can also improve the nervous system, aid sleep, and regulate muscle and nerve function. Unfortunately, many people are magnesium deficient because they’re not eating foods rich in this nutrient, including nuts, pumpkins, and spinach. 
  • Calcium: Like magnesium, many people are deficient in calcium. Calcium is necessary for strong bones and teeth, so it’s an important nutrient, especially as you age. Women start losing bone density earlier than men; they may need a supplement to strengthen their bones. 
  • Zinc: Zinc supports your immune system and helps your body convert nutrients, like carbs, protein, and fat, for energy. It can also promote wound healing. 
  • Iron: Iron increases energy and improves brain function. However, some individuals need more iron than others daily. Those who eat red meat likely get enough iron. However, women who have menstrual cycles or are pregnant may need to increase the amount of iron they consume. 

Is Supplementing Your Diet Necessary

Many people may wonder if they need to take vitamins every day. Some people don’t need vitamins, especially those with strict diets or individuals working with a nutritionist or doctor to improve their health. Supplements should not replace healthy meals, so even if you’re taking vitamins daily, you should still aim to eat enough fruit, vegetables, and protein to avoid vitamin deficiencies. You can ensure that you’re getting enough vitamins daily by checking food labels or using an app to help track your nutrient intake.

Supplementing your diet can be beneficial or necessary, depending on your health. For example, if you have a vitamin deficiency, a change in your diet might not be enough to get your levels back up to normal. Additionally, individuals with chronic diseases may take supplements to improve their health. 

Final Thoughts

Your body’s natural production of vitamins decreases as you age, so talking to your doctor can help you determine which vitamins are right for you based on your unique circumstances. Vitamins significantly impact your health, so there’s no reason to let a deficiency get in the way of how you feel. Getting enough nutrients is key to living a long, healthy life. A multivitamin may help you build your immune system and address deficiencies that negatively impact your health. 

How Cryptocurrency is Changing the Investing World Today

Ashley Nielsen
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How Cryptocurrency is Changing the Investing World Today

Cryptocurrency may have once been a concept out of reach for most people. Still, it has demonstrated its value in recent years, with investors speculating that this new technology can be used for more than just buying and trading. Those invested in crypto rely on the perceived value of these assets, including the technology network, blockchain, and the idea of the decentralized network. It’s no secret that crypto is changing the way people invest and the investment world, and here’s how. 

Blockchain Investments

More and more investors, both novice and experienced, have begun investing in cryptocurrency and using their tax software to see how much they’ve earned over time. Still, the coins themselves are not the most interesting thing about cryptocurrency– it’s the blockchain technology that can revolutionize investing and even banking. Cryptocurrency is one just used for blockchain. Blockchain technology is a digital ledger that keeps track of transactions and can be configured in several ways. Blockchain can be used in all industries, including supply chain management for tracking products, and in just a few decades, investors can expect to see blockchain used in financial markets. 

Settlements

Post-trade settlements currently take around three days because of the number of different intermediaries involved in them. If these settlements were on a ledger instead, trades and settlements would be instantaneous because they’ll be automated. In decentralized exchanges like cryptocurrency trading, settlements happen immediately. 

Lower Trading Costs

Because settlements and trading won’t require as many intermediaries, fewer people and parties will need to be compensated for trading. When fewer parties are involved, the cost of trading will be drastically reduced. With blockchain technology, trading can happen faster and be a lower-cost banking system with lower total costs. 

24/7 Investing

Blockchain is open 24/7, which means you can trade any time of day or night. Being open at all times might be the future of stock exchanges as well. Blockchain technology enables trading and investing to happen no matter what time of day it is or where you live. There’s no need to worry about trading after hours or geographic boundaries. Major stock exchanges are already starting to take advantage of this idea to make after-hours calls easier.

Better Transparency

Distributed ledgers like blockchain allow users to see the records of all transactions, operating with greater transparency than other types of investing. Tracking trades makes everything easier for buyers and sellers. Essentially, every new transaction adds a new block to the chain. Outside of crypto, blockchain can be designed to use rules and regulations with built-in smart contracts to regulate transactions and stop fraud in its tracks. 

Improve Communication

With better transparency comes better communications between investments and portfolio managers. Blockchain allows account transactions to be shared easily, helping managers monitor portfolios in real-time and weigh risks. This technology can also be used to streamline the entire process by allowing parties to access information through their crypto keys. 

Easier Crowdfunding

Cryptocurrency is making it easier to raise capital. With initial coin offerings (ICOs), businesses can give investors coins instead of capital. Currently, there are only two types of ICOS. One type consists of tokens that allow holders to obtain a future service from the company, while the other type of ICO consists of tokens that provide equity shares similar to what’s given to stockholders. 

Of course, there are risks to ICOs. Some might not be honest opportunities and can present risks for investment losses. ICOs also have much less protection and regulation than other types of investments, so they’re not for everyone. 

Other Investments Can Be Tokenized

With blockchain, all types of investments can be tokenized, including real estate. Trading with tokens can impact real estate investment, allowing investors to allocate their assets across multiple investments. Additionally, receiving distributions may become easier. Managers currently have a legal requirement to distribute funds as quickly as possible, but blockchain technology can make this process instantaneous. 

Faster Private Equity Trading

Trading shares is a complex process, but blockchain can make it easier. Instead of matching buyers and sellers, private equity tokens could exchange hands as easily as cryptocurrencies do right now. Anyone who is willing to accept coins can trade them quickly without needing an exchange or intermediary. 

More Tradable Assets

As we’ve mentioned, anything can be tokenized, including shares of anything you currently own that might be worth value; any real asset, including records, music, and even art, can be tokenized. In this process, the value of the object is converted into a token and moved across the blockchain, making just about anything tradable, including copyrights or patents. Investors can then turn the value of their assets into coins for other investors to purchase, just like you do with stocks. 

Better Liquidity

Blockchain eliminates many administrative hassles involved in transferring share ownership, which makes liquidity less of a problem than in recent years. With blockchain, your shares are registered on the blockchain, making entry and exit to investments simple and without any administrative tasks. Ultimately, this will enable investors in all markets to control how long they participate in a portfolio. 

Shareholder Voting Process

Blockchain can also help improve investor voting processes by implementing an e-voting system. This system will manage voting at annual meetings more efficiently. The e-voting software uses blockchain to consider voters’ ideas, including transparency and real-time voting results that will be saved in the ledger. 

Final Thoughts

Blockchain ledger technology is a part of cryptocurrency, but it can extend beyond the world of crypto to alter the world of investing in many of these ways. As crypto becomes more mainstream and more people learn about blockchain, more financial institutions will begin experimenting with how they can use it to improve the investment industry. 

Crypto is already becoming more popular, with many consumers using it for peer-to-peer payments or for buying goods and services. Since more consumers are enthusiastic about the implications of blockchain and crypto, governments and businesses will have to find ways to implement it to make investing easier for everyone. 

 

Ashley Nielsen

Ashley Nielsen earned a B.S. degree in Business Administration Marketing at Point Loma Nazarene University. She is a freelance writer where she shares knowledge about general business, marketing, lifestyle, wellness or financial tips. During her free time she enjoys being outside, staying active, reading a book, or diving deep into her favorite music. 

 

SEO 2023 Optimization Guide – Tips to Position Your Website in the Future

Jashim Sobhanian
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SEO 2023 Optimization Guide – Tips to Position Your Website in the Future

SEO 2023 Optimization Guide – Tips to Position Your Website

As we move into 2023, it is important to stay up to date with the latest trends and changes in the SEO world. Google continues to update its algorithm regularly, and staying on top of these changes is crucial to maintaining a strong online presence. Here are some tips to help you optimize your website for 2023 and beyond.

  1. Optimize for voice searches

Voice searches are becoming increasingly popular, with Comscore data indicating that 50% of searches in 2020 were conducted by voice. By 2022, it is expected that 50% of households will have a smart speaker, and 30% of web browsing will be done without a screen. To optimize for voice searches, focus on long-tail keywords and conversational language.

  1. Adapt to changes in local SEO

Creating a Google My Business page is key to positioning for local searches. Make sure your profile includes quality incoming links and local keywords. Look at the backlinks of your competition and try to get them for yourself. It’s important to establish your website as an authority in your local area.

  1. Optimize for visual searches

Visual searches are becoming more important, with Google Lens and Pinterest leading the way. Make sure your website includes high-quality images and video content. Visual searches are used for purchases, directions, object identification, translations, and more.

  1. Focus on link building

Content and good incoming links are still the key to web positioning in 2023. Without good content, you won’t get inbound links, and without link building, you won’t reach the first page of Google. Incoming links show that your information is reliable and trustworthy.

  1. Stay up to date with Google algorithm updates

Google’s learning algorithms are designed to improve the user experience in searches. In 2023, it’s important to pay attention to the latest updates, including the BERT algorithm and RankBrain. Google collects data on user behavior and how they ask their questions, so make sure you’re answering their questions with good content.

  1. Improve domain authority

Google now evaluates EAT (experience, authority, and reliability) to determine website rankings. This means that content written by experts in the field will be prioritized over content written by freelancers. Make sure your website establishes your expertise in your industry.

  1. Embrace video marketing

Video content continues to be a key element of digital marketing. By 2022, 80% of online traffic is expected to be audiovisual. Videos can even reach the zero position of Google, as we now see audiovisuals in featured snippets. Incorporate video content into your digital marketing strategy to stay ahead of the curve.

By following these tips, you can position your website for success in 2023 and beyond. Stay up to date with the latest SEO trends and algorithm updates, and focus on creating high-quality content that answers the real questions of your audience.

Wrestling: Not Just Fake Fights, but a Unique Blend of Athleticism and Drama!

David Creighton
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0
Wrestling: Not Just Fake Fights, but a Unique Blend of Athleticism and Drama!

Now that that’s clear, let’s not forget Game of Thrones wasn’t real either. Most things on TV aren’t real.

What pro-wrestling is, is a unique mix up of athleticism, melodrama, soap opera, and comic books brought to life. Larger than life characters waging intense battles over pride, revenge, jealousy, greed, and other baser emotions, but also a huge range of fan favorites (babyfaces in the backstage parlance) to uphold righteousness, each in their own unique way. In the end, all of them want the same thing: to prove themselves the best, and hold the most prestigious of championships.

Like comic book characters, the stars do battle with fists, punishing technical holds, aerial moves that would wow Olympic gymnasts, not to mention the brutal “hardcore” style that involves swinging “steel” chairs, diving off ladders and even “hitting” people with sledgehammers. In some wrestling companies (commonly called federations), even staple guns are considered legal when a true blood feud must finally be settled.

Unlike comic characters, these performers are very real. Their true lives and their characters weave together and blur, as reality enters the storylines, as recently happened when a couple involved in a bitter feud on camera, got engaged and posted it on Instagram. It couldn’t be ignored, an abrupt change to the script had to be made. Unlike comic characters, real life injuries, or other unforeseen issues can derail months of story planning in a heartbeat. Often, the performers are so deeply associated with their characters that people approach them on the street as if they were that character. See, wrestling may not be real, but it requires incredible physical talent and is very, very painful, even when things go right.

Since wrestling traces its history back to the dawn of the past century (Mexican federation Consejo Mundial de Lucha Libre started in 1933!) and many companies have ran for decades. Even outside these federations, as workers move from company to company, stories spread across the entire wrestling world. It’s not uncommon for federations to slag their competition right on the air. A wrestler may work with another in an American company one year, a Japanese the next, and be in Mexico just months later. Feuds blow up, end, flare up, simmer, or boil, literally every show. All that history makes for a never-ending story played out in real time. Wrestler debut, rise or fall, learn, grow, shine or flop, spend their career in the best places they can go then retire, some day, possibly to return as a manager or even on-screen owner, GM, and many more. 

Once, in World Wrestling Entertainment, or WWE, formerly WWF, Samoan wrestler Rikishi confronted the late, great “Rowdy” Roddy Piper over an incident between Piper and Jimmy Snuka that had happened over a decade prior. One of the most complex characters and longest lasting role (or gimmick in industry terms) ever created is The Undertaker. Undertaker started as some sort of Wild West zombie mortician, yet still managed to endure for over thirty years. He’s the holder of the most impressive streaks in the pseudo-sport, 21 straight wins at the biggest annual show in wrestling, Wrestlemania. Amazingly, he’s still wrestling today at 54 years old. He’s not even the oldest wrestler working today.

Wrestling’s popularity has faded in the past 20 years. It’s become more of a niche market show. WWE has its own speciality cable channel, where they air their biggest, and smallest, shows. Commercial television remains their biggest exposure source. WWE alone produces over ten hours of programming a week. So big the shows are split into three separate brands and rosters. A recent deal to move one of the biggest shows, Smackdown, to FOX will only open a wider audience than their other major shows, which air on USA Network. WWE love to remind you their flagship show, RAW, is the longest running, weekly, episodic, television show in history, and Smackdown is #2. While that’s true, in terms of number of episodes, it’s also a lot of caveats to throw at a record.

Wrestling is not going anywhere. There is enough pro wrestling available in the modern day, one could easily fill their entire TV watching schedule and nothing else. While we’re not recommending that, it seems wrestling isn’t going anywhere. WWE’s current slogan is “Then. Now. Forever.”

Wrestling can also be a launching point to bigger and better things. In the 50s, wrestling legend “Classy” Freddie Blassie was so famous he appeared on “I Love Lucy.” 80s star Hulk Hogan is a household name. Dwayne “The Rock” Johnson is one of the biggest stars in Hollywood; and 2000s star John Cena is starting to break out in a similar way.

Getting started watching any wrestling program can seem overwhelming. Huge casts, multiple storylines, and the history mentioned above, can be a lot to absorb. It’s possible wrestling itself is responsible for its loss in popularity. The time investment can be off-putting. Soap operas demanded that level of commitment; they’ve fared even worse than wrestling in terms of audience drops. The difference is wrestling survives, and might even be entering a New Renaissance.

Everyone should watch wrestling once, preferably a major show. The pure spectacle of it all is worth the time. And, if it catches your heart and the kid inside you, you too may find yourself among the “marks” in the stands.

Control Your Inner Voice to Control Your World

Jashim Sobhanian
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0
Control Your Inner Voice to Control Your World

Have you ever stopped to listen to that little voice in your head? You know, the one that speaks to you all day, every day. It’s always there, commenting on everything you do, say, or see. It’s the voice that tells you if you’re doing something wrong, if you’re afraid of something, or if you’re excited about something.

What if I told you that this little voice has the power to control your life? That’s right. Your inner voice controls the world around you. You see, the thoughts that you have in your inner world are projected out to the outer world. Your perception controls reality.

Think about it. When you wake up in the morning, and your first thought is that you’re going to have a bad day, what happens? Everything seems to go wrong. You spill coffee on your shirt, you hit every red light on the way to work, and your boss chews you out for something that wasn’t even your fault. It’s like the universe is conspiring against you.

But what if you woke up and said to yourself, “Today is going to be a great day”? What happens then? Suddenly, the world seems a little brighter. You get to work on time, your boss compliments you on a job well done, and you have a fantastic conversation with a colleague at lunch.

It’s not magic. It’s the power of your inner voice. When you focus on positive thoughts, you attract positive outcomes. When you focus on negative thoughts, you attract negative outcomes.

So, how do you take control of your inner voice and start living the life you want? It’s simple. First, identify what you want in life. It could be a dream job, a dream car, money, or a house. Then, every day, work to achieve that goal.

This is where “The Thinking Filter” comes in. Walking through society, you receive enormous amounts of information. The only way your brain can process it efficiently and run is by applying a filter. Let in what is necessary, filter out unnecessary information.

When you think and act on your dreams, opportunities appear because the right information passes through your filter. You may overhear a conversation about a cheap housing opportunity, or talk to the right people and find out that he is the CEO of your dream company.

All you have to do is change your inner voice, change it to what you want to listen to. Your mind has been running your life for too long. It’s time to take control and start living the life you want.

You might be thinking, “But how do I change my inner voice?” It takes practice, but it’s not impossible. Start by noticing your thoughts. When you have a negative thought, stop and ask yourself if it’s true. More often than not, negative thoughts are just that – thoughts. They’re not reality.

Next, replace negative thoughts with positive ones. For example, if you catch yourself thinking, “I’ll never be able to afford that dream car,” replace it with, “I am capable of achieving my dreams, and I will find a way to afford that car.”

Finally, surround yourself with positive influences. Read inspiring books, watch motivational videos, and spend time with people who support your goals.

In conclusion, your inner voice controls the world. By taking control of your thoughts and focusing on positive outcomes, you can attract the life you want. Remember, your perception controls reality. Change your inner voice, and you’ll change the world.

17 Common Nursing Jobs

Ashley Nielsen
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17 Common Nursing Jobs

Many people dream of becoming a nurse because it’s a respectable job that allows them to help others. However, there are many different types of nursing jobs to choose from. As the demand for nurses grows, the career path offers many different opportunities, allowing you to earn a competitive salary while earning a sense of fulfillment. 

When you dream of becoming a nurse, you might not realize all of the options you have. Depending on your specialty, you may be expected to work longer nursing shifts than others, so it’s important to understand what opportunities are available to choose the right career path for you. Here are the different types of nursing jobs available. 

1. Registered Nurse

A registered nurse provides patient care and education about health conditions. They also offer emotional support to families. Most registered nurses work with physicians and other healthcare professionals in a variety of settings. Depending on the type of registered nurse you want to become, you’ll need an associate’s or bachelor’s degree in nursing as well as some certifications, such as CPR training. 

Because most RNs only need an associate’s degree, you can break into the industry much easier than other nursing jobs. However, the higher your education, the more you can earn. Many registered nurses get their associate’s degrees to start working immediately and pursue their bachelor’s degrees while doing so. 

2. Cardiac Nurse

A cardiac nurse must have an RN license and an associate’s or bachelor’s degree. Cardiac nurses specialize in heart disease and other heart-related problems. In addition, they assist with surgical procedures, including bypasses and pacemaker surgery. 

3. Certified Registered Nurse Anesthetist 

A CRNA is a highly trained nurse that specializes in anesthesia for surgeries. CRNAs are some of the highest-paid nurses because of the high demand for surgical nurses. To become a CRNA, you must have a master’s degree, an RN license, and one year of experience in acute care. 

4. Clinical Nurse Specialist

A CNS has a master’s or doctoral degree and is a type of advanced practice registered nurse (APRN). These individuals provide patient care by working with nurses and staff to improve the quality of care. They’re often leaders and educate other nurses. 

5. Critical Care Nurse

A critical care nurse is similar to a registered nurse because you only require an associate’s or bachelor’s degree. However, they are specially trained for emergencies. Critical care nurses tend to grave wounds and monitor life support systems. 

6. ER Nurse

ER nurses must remain calm under pressure. ER nurses also have to be prepared for anything because you never know what is going to be the cause of an influx of patients. These individuals have an associate’s or bachelor’s degree and an RN license. An ER nurse has many duties, including evaluating and stabilizing patients. After reviewing medical charts, they determine the right medications and tend to basic wounds and illnesses. 

7. Family Nurse Practitioner

An FNP has a master’s degree in nursing and an RN license. They are trained in primary health care services for individuals of all ages. FNPs diagnose and treat illnesses, perform medical exams and diagnostic testing, and prescribe medications. 

8. Geriatric Nurse

Geriatric nurses specialize in treating older patients and providing care for illnesses and injuries while maintaining patients’ quality of life. Geriatric nurses have an associate’s or bachelor’s degree with an RN license and often anticipate future care for patients and long-term ailments. 

9. Mental Health Nurse

Mental health nurses specialize in treating mental health concerns in patients. They typically perform counseling services and administer medication. Mental health nurses typically have a master’s degree and an RN license. 

10. Nurse Midwife

A nurse midwife cares for pregnant women, assisting in labor and delivery. These individuals have associate’s or bachelor’s degrees and ensure their patients have healthy pregnancies. Nurse midwives also offer care after delivery by educating and counseling new mothers. 

11. Nurse Practitioners

Nurse practitioners, like doctors, serve as primary care providers, delivering nursing services to patients. Nurse practitioners have a master’s degree or doctorate, making them able to perform physicals, order testing, and prescribe medications. 

12. Oncology Nurse

Oncology nurses help treat cancer and educate patients about their treatment options. In addition, these nurses monitor patient progress throughout treatment and can prescribe medications. To become an oncology nurse, you need an associate’s or bachelor’s degree and an RN license. 

13. Pediatric Nurse

A pediatric nurse treats children from infancy to their teenage years. They’re similar to other nurses in that they perform physical exams and can diagnose and treat illnesses. Pediatric nurses need an associate’s or bachelor’s degree and an RN license. This job is ideal for individuals who want to work with children. 

14. Travel Nurse

A travel nurse moves from location to location based on their contract. They can interact with patients from around the nation. Travel nurses receive hourly pay and a housing stipend. Becoming a travel nurse might be right for you if you want to travel and help people in different locations. Travel nurses need an associate’s or bachelor’s degree and an RN license. 

15. Nurse Case Manager 

Nurse case managers typically have a bachelor’s or master’s degree and nurture long-term relationships with patients. In addition, nurse case managers work with individuals who need ongoing support. 

16. ICU Nurse

Intensive Care Unit Nurses need an associate’s or bachelor’s degree along with an attention to detail. ICU nurses care for patients in critical conditions who need regulated care. For example, ICU patients may be on ventilators or require life-saving medication treatments and drips that must be administered regularly. These nurses also work structured shifts with disciplined work life. 

17. Perioperative Nurse

A perioperative nurse, also known as an operating room (OR) nurse, needs an associate’s or bachelor’s degree in nursing to work with patients before surgery. Nurses must communicate with the patient’s family and work as part of the surgery team to assist the surgeon in ensuring the procedure goes well.

Final Thoughts

When you decide to become a nurse, you have options for how to start your career. Whether you want to work in a hospital or a small practice, you can find the right career for you based on your needs. Some nursing careers are more demanding than others, but all of them will reward you by helping you feel fulfilled in your career. 

 

Ashley Nielsen

Ashley Nielsen earned a B.S. degree in Business Administration Marketing at Point Loma Nazarene University. She is a freelance writer where she shares knowledge about general business, marketing, lifestyle, wellness or financial tips. During her free time she enjoys being outside, staying active, reading a book, or diving deep into her favorite music. 

 

Which Cosmetic Procedures Are Actually Worth It?

Megan Isola
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0
Which Cosmetic Procedures Are Actually Worth It?

Many people consider cosmetic surgery throughout their lifetimes. Whether they want to change an aspect of their appearance or cosmetic procedures could improve their life in some way, one thing that always prevents people from deciding to go under the knife is the fear that something could go wrong. Like with any surgery, cosmetic surgery is not without risks. However, not all cosmetic procedures are surgical. 

Non-surgical procedures are becoming increasingly popular because you don’t have to risk scars, but they’re still just as pricey, if not more expensive, than surgery. Right now, you might be wondering whether cosmetic procedures are worth it. Whether you’re considering a specific procedure or you’re simply interested in learning more about the types of procedures available, you’ve come to the right place. Here’s our list of cosmetic procedures that are actually worth it. 

Laser Hair Removal

Laser hair removal is a popular cosmetic procedure because it’s non-invasive and allows you to return to your daily activities as soon as it’s over. Believe it or not, you can have it done on your lunch break and return to the office. Laser hair removal uses lasers to damage hair and affect future hair growth. Unfortunately, laser hair removal isn’t permanent, but it is long-term. Additionally, as long as you keep up with treatments, you can completely eliminate body hair. 

Laser hair removal has a few downsides, but technicians typically recommend you stay out of the sun and wear sunscreen to avoid sun exposure after treatment when your skin will be more sensitive. 

Sleeve Gastrectomy

Sleeve gastrectomy shrinks the size of the stomach to reduce the amount of food someone can eat before feeling full, leading to significant, fast weight loss. Also known as gastric sleeve surgery, it’s typically recommended instead of a gastric bypass because it’s less invasive and has fewer potential complications with a shorter recovery time. 

Breast Surgeries

There are many different types of breast surgeries, including implant removal, reduction, and augmentation. Breast augmentation surgery has its risks and requires incisions, so there will be scars. However, they’re relatively safe with few complications. Breast implants last a long time, typically between 10 to 15 years. Additionally, the recovery is relatively quick, with most women feeling slight discomfort and tightness in the chest for a few days following surgery. 

Hair Restoration 

Hair restoration surgery is most worth it for men with thin hair or hair loss. Hair transplants are more successful than hair restoration products you can use at home, with up to 80 percent of transplanted hair growing back in three to four months. Unfortunately, hair restoration surgery doesn’t work for everyone and may not be a permanent solution to thinning hair. 

Rhinoplasty

Also known as a nose job, rhinoplasty is a procedure to enhance the nose’s appearance. However, it can also correct breathing issues associated with a deviated septum and broken noses. Rhinoplasty involves making incisions within the nostrils or along the nose base to reshape the bone and cartilage.

It’s an outpatient procedure, so patients are discharged after surgery, allowing them to rest at home with pain medication. Recovery from rhinoplasty can take a few months, but patients only have to wear a splint for a few weeks following surgery. Afterward, the nose will be swollen and bruised for a few weeks until the patient is fully recovered and can see the results of the surgery. 

Face Lift

Rhytidectomy, also known as a facelift, is most popular among older adults who are showing signs of wrinkles and aging. Facelifts reduce the appearance of fine lines and wrinkles for a more youthful appearance. During the procedure, a surgeon makes incisions around the ears and behind the hairline to lift the skin and tighten it for a smoother, youthful appearance. Facelifts may also be performed alongside other age-fighting procedures, such as eyelid surgery, forehead surgery, and botox. 

Neck Lift

Neck lift surgery, also known as platysmaplasty, is another procedure people get to appear younger by enhancing the neck. During the procedure, a surgeon removes excess skin and fat around the neck and jawline while tightening the muscles that may have become loose due to aging, sickness, or even weight gain.

CoolSculpting

CoolSculping is a non-invasive fat removal procedure that freezes stubborn fat in targeted areas of the body. The FDA-approved process doesn’t use needles. Instead, a technician will put a device on your body to cool and destroy fat cells. Once the procedure is over, it will take a few months for your body to expel the destroyed fat cells through the immune system. Still, many patients experience a noticeable difference in just one treatment. 

CoolSculping is ideal for those with excess fat they can’t get rid of through diet and exercise alone. Patients should be relatively close to their ideal weight and live a healthy lifestyle to prevent fat from returning. 

Tummy Tuck 

Abdominoplasty corrects body contours in women and men, which can change over time due to lifestyle factors, aging, and pregnancy. Anything that causes the abdominal skin to lose firmness can make the skin sag, requiring tummy tucks to fix it. Even though the skin is fairly elastic, it can stretch too far, so someone who has recently lost over 100 pounds may experience saggy skin that will never return to normal. 

Tummy tucks are not a weight loss surgery; instead, they remove excess skin and fat after someone has already lost weight naturally through diet and exercise. In this procedure, the surgeon will remove excess skin and fat while tightening the remaining tissues for a more contoured appearance. There are many variations of the tummy tuck, including the full tummy tuck, mini tummy tuck, extended, and different surgical options. 

Final Thoughts

Finding which procedures are worth it to you takes time and research. Some procedures are non-invasive, so you won’t have to worry about lasting pain, discomfort, or scars. However, some procedures require surgery in which you’ll be under general anesthesia and have weeks to months of recovery. Consider your goals and talk to a qualified professional before going under the knife to ensure your best chance of success. 

Megan Isola

Megan Isola holds a Bachelor of Science in Hospitality and a minor in Business Marketing from Cal State University Chico. She enjoys going to concerts, trying new restaurants, and hanging out with friends. 

7 Ways to Make Your House More Green This Year

Megan Isola
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7 Ways to Make Your House More Green This Year

 

Are you looking for ways to make your home more environmentally friendly? Lucky for you, creating a sustainable residence isn’t too complicated. There are tons of simple changes to reduce your household’s carbon footprint. In this article, we’ll explore seven practical but effective ways to make your house eco-friendlier this year. 

Recycle and compost

Most cities across America have some form of garbage protocol. Hopefully, your city asks that you separate your recyclable materials from your disposables, which is a good start. Check out the recycling guidelines in your area to ensure you’re correctly disposing of your waste in the correct bins. If you want to take it a step further, consider adding composting to your routine. Composting is the recycling of organic matter like food scraps and leaves and coverts them into compost. Compost is fantastic for your garden because it provides nutrients to your plants and soil. You can add the compost mix to your indoor or outdoor plants, vegetable gardens, and lawns for healthier plants. 

Reduce your plastics

Plastic waste makes up a significant part of pollution. Plastic can take 500 years to break down, showing how important it is to start reducing single-use plastics. Luckily, most of the plastic we use in our homes has a better alternative. Ditch your plastic bags and opt for reusable options like tote bags or beeswax wraps to cover your food and buy groceries. If your household goes through a ton of plastic water bottles, switch to a reusable thermos and get a water filter to keep in your fridge or install a water filtering system. You can also buy your foods in bulk to help limit the plastic waste from packaging. 

Conserve water

Water is a natural resource the world is in a limited supply of. If you want to make eco-friendly improvements to your home, reducing your water usage is a necessary place to start. If you have leaks around your home, fix them as soon as possible to conserve water. You can also install low-flow plumbing fixtures to reduce the water these systems use. If you take long showers, you’re wasting water and should start setting a timer to help limit your water use. In addition to shorter showers, try to run full loads of laundry or dishes to maximize your water usage. If you want to be a sustainable superstar, you can collect rainwater or use the water from your washing machine and use it to water your garden. 

Switch to clean energy

Using clean energy plays a vital role in the fight against climate change. Luckily, depending on where you live, there are likely a few clean energy plan options for you to enroll in if you can’t install it in your home. For cleaner energy, you can source power from the sun through solar panels, water through hydropower, or wind through wind power. If you live near a large river, you can source your water using that energy. While solar power is the more prevalent clean energy source, many others exist. Clean energy is better for the climate and your wallet because it lowers your electric bill. 

Use natural products

Many companies offer sustainable alternatives to products we use in our daily lives. These products are better for the environment and our bodies because of their organically derived ingredients. For example, traditionally, perfumes often use formaldehyde as a preservative, which is destructive to the environment and our bodies. A sustainable alternative avoids these kinds of ingredients. You can find sustainable products and options for almost anything, from perfume, alcohol, meats, and more. 

Another noteworthy switch to make is with cleaning products. Cleaning products often use harsh chemicals with damaging health and environmental effects. Natural cleaning products are just as effective as chemically-based cleaning products but use non-toxic ingredients that cause less harm to the environment. Because traditional cleaning products emit harmful chemicals into the air they contribute to air pollution. Natural cleaning products don’t release harmful emissions and instead are biodegradable. These ingredients easily break down and are less likely to cause harm to natural habitats and ecosystems, preventing water and air pollution. Using natural cleaning products in your home reduces your environmental impact. 

Ditch the grass and plant a garden

Grass lawns are popular in America but require many resources to keep them alive. A grass lawn uses a significant amount of water to maintain, even more so during the warmer seasons. Water consumption to upkeep grass strains local water resources and exacerbates droughts. Some cities employ water usage limits and ticket individuals who overuse the water supply, which means you’re hurting the environment and your wallet.

Grass lawns also require pesticides and fertilizers to keep them healthy because the grass isn’t a native plant to most areas. These chemicals run off into waterways and pollute the local water supply, potentially damaging aquatic environments. Grass lawns also serve in habitat destruction. Installing a lawn destroys natural habitats, resulting in a loss of biodiversity.

Instead of installing a high-maintenance, expensive lawn in your backyard, opt for a garden. Gardens positively impact the environment by improving air and water quality by absorbing excess CO2. They also provide natural habitats to wildlife and reduce the urban heat island effect. Gardens also are a sustainable resource for food, reducing the need for industrial agriculture. Overall, gardens can significantly make your home greener and more eco-friendly. If you like the look and feel of a grass lawn, you can opt for a clover lawn for a sustainable alternative. 

Opt for a clothesline

Instead of wasting electricity using a dryer for your clothes, consider switching to a clothesline. Harnessing the power of air to dry your clothes may take longer, but reduces your environmental impact. Electricity burns fossil fuels to provide energy, resulting in increased greenhouse gas emissions and air pollution. In addition to being better for the environment, drying your clothes naturally can prolong the life of your clothes and linens because it’s gentler on fabrics. Clotheslines are a low-cost, low-maintenance alternative to electric clothes dryers. It may seem primitive, but the benefits for your clothes and the environment are worth it. 

A greener home = greener planet

In conclusion, making your home more eco-friendly doesn’t have to be hard on your wallet or damaging to your lifestyle. Starting with simple steps like conserving water and switching to natural cleaning products can influence and motivate you to make more significant changes. Remember, every effort counts, so how will you make your home greener this year? 

 

Megan Isola

 

Megan Isola holds a Bachelor of Science in Hospitality and a minor in Business Marketing from Cal State University Chico. She enjoys going to concerts, trying new restaurants, and hanging out with friends. 

 

7 Easy Ways to Maintain Personal Hygiene

Ashley Nielsen
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7 Easy Ways to Maintain Personal Hygiene

7 Easy Ways to Maintain Personal Hygiene

Personal hygiene affects all aspects of your life, yet it’s rarely discussed in public. Your hygiene is how you care for your body, including washing your hands, brushing your teeth, bathing, shaving, and more. Personal hygiene is about more than smelling nice when you’re in public (although it is important); instead, it’s about the germs you come into contact with on a daily basis. As you already know, germs and viruses can make you severely ill, which can affect your work and school performance while preventing you from being able to do the things you want to do. 

Personal hygiene can help you prevent illness and make a good first impression on others. Here are just a few easy ways to maintain personal hygiene. 

1. Wash Your Hands

Always wash your hands after you use the restroom, even if you don’t use the toilets. Bathrooms are full of germs, and if you’re in a public restroom, you never know how many people haven’t washed their hands while they were in there. Scrub your hands with soap for at least 20 seconds, cleaning between your fingers and under your nails, and rinse with water. While this might seem simple, many people don’t wash their hands long enough to remove all the germs they pick up in a public bathroom. 

If for some reason, you don’t have running water or soap in a restroom, you can use an alcohol-based hand sanitizer until you can get to a sink. 

2. Shower Every Other Day

Most people don’t need to shower daily, especially if they’re not performing hard labor and aren’t sweating. However, there’s nothing wrong with showering every day, especially if you’re dirty or have been sweating all day. That being said, when you do shower, always use soap to rinse away dead skin cells, bacteria, and oils. 

Pay special attention to areas where skin comes into contact with other skin, including your armpits, where bacteria grows because it’s moist and dark. In addition, don’t forget to wash your feet. Letting the water and soap hit your feet as it runs down the rest of your body doesn’t count as washing your toes. Your feet go through a lot during the day and probably sweat in your shoes, so make sure to wash the tops and bottoms of your feet and between your toes to remove bacteria. 

Bathing is also the perfect time to remove unwanted hair. Even though removing body hair won’t make you more hygienic, a shower or bath will allow you to remove hair and unwanted skin cells while gently exfoliating your skin to remove dirt and oils. 

You should also wash your hair regularly. Again, not everyone needs to wash their hair every single day, especially if you have dry hair and don’t sweat throughout the day. However, you should still wash your hair at least twice a week to remove dead skin cells on the scalp and protect against oils that can affect hair health. 

3. Brush Your Teeth

You’ve been told your entire life to brush your teeth in the morning and at night. However, you’d be surprised how many people don’t brush their teeth before bed. Good dental health doesn’t just make your teeth whiter; it can protect your entire body from illnesses and diseases. You should brush your teeth twice daily for two minutes. 

Always brush your teeth as soon as you wake up to remove bacteria and plaque that have built up in your sleep. Then, brush again before bed to remove food, bacteria, and plaque that built up throughout the day. Don’t forget to floss, either. Flossing is important as it can remove plaque and food your toothbrush can’t. 

4. Trim Your Nails

Cleaning and trimming your nails can reduce your risk of hangnails while removing dirt and germs under the nails that can pass bacteria. If you bite your nails, consider keeping them short to avoid passing bacteria from under your fingernails to your mouth. Having trimmed, clean nails will also prevent infected nail beds while helping you maintain a clean appearance. 

5. Wear Clean Clothes

Your clothes should be washed every time you wear them. Dirty clothes, especially gym clothes or clothes you’ve sweated in, can harbor harmful bacteria that lead to body odor, skin irritations, and even illnesses. However, not all clothes need to be washed after every use. For example, you can probably wear your jeans twice before having to wash them. As a general rule of thumb, if your clothes have an odor or no longer smell like your laundry detergent after wearing them, it’s probably time to wash them. 

6. Wash Your Sheets

Your bed is supposed to be the comfiest, safest place in your home. However, if you don’t wash your sheets, your bed will quickly become a breeding ground for bacteria. When you sleep at night, skin cells and sweat fall off your body onto your sheets, attracting bacteria that can cause sickness and skin irritation. 

Changing your bedsheets, including your pillowcases, once a week will help keep bacteria at bay. 

7. Create a Routine

Having a hygiene routine is the best way to maintain your personal hygiene. Once you build your routine, you’ll go through the motions of maintaining your hygiene without even thinking about it. For example, you can wake up and wash your face, brush your teeth, then hop in the shower. Having a routine allows you to get into a groove, helping you maintain your hygiene without having to put in too much time or effort. 

Final Thoughts

Personal hygiene is important for maintaining your overall health, but of course, there are other reasons why you should maintain good hygiene. After all, you don’t want your smell to scare away potential employers, friends, or partners. In addition, good personal hygiene can improve your confidence because it allows you to take care of yourself while looking your best. If you don’t already have a routine, try building one to see how easy it is. 

 

Ashley Nielsen

Ashley Nielsen earned a B.S. degree in Business Administration Marketing at Point Loma Nazarene University. She is a freelance writer where she shares knowledge about general business, marketing, lifestyle, wellness or financial tips. During her free time she enjoys being outside, staying active, reading a book, or diving deep into her favorite music. 

 

Is a Financial Crisis in the Near Future?

Matt Casadona
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Is a Financial Crisis in the Near Future?

Is a Financial Crisis in the Near Future?

The last few years have shocked everyone, including financial experts. While many things have been predicted, many predictions have also been wrong. For example, many experts believe that the housing market might crash in 2022, but the housing market is just as strong as ever. While many people don’t know what to expect, others believe that a financial crisis is in the near future, but perhaps not this year. This article will discuss whether or not there will be a financial crisis in the future and when to expect it. 

What Happens During a Financial Crisis?

To understand whether a financial crisis is coming, you should first understand what happens when there is one. Once a recession begins, it’s difficult to stop and can easily spiral out of control, impacting individuals and businesses. Here are things that may happen during the economic crisis. 

  • Businesses go bankrupt: When people can’t spend as much money on items they once did, many companies suffer and won’t be able to recover. 
  • Job losses: When businesses suffer, so do their employees. With fewer jobs needed when people aren’t spending money, many individuals will get laid off, making it more challenging to purchase items from businesses. 
  • Difficult to find work: As businesses lay people off, they won’t need to make new hires, making it difficult for young people to enter the job market. 
  • Lower wages: Even if businesses can keep their employees, they will likely do so at lower wages, which employees are forced to accept since no one else is hiring. 
  • Reduced spending: Reduced spending comes from job losses and the inability to afford everyday products. 
  • Relocations: When people can no longer afford their homes, they may move to cheaper neighborhoods.  
  • Increasing debts: People will still have to pay bills during a recession. They may take out more loans to make ends meet. 
  • Interest rates decrease: When there’s less money spent in the economy, interest rates decrease in hopes more people will start spending money again. 
  • Fewer lifestyle expenses: People start giving up items that they don’t need during a recession, which can contribute to businesses going bankrupt and job losses. 

No Financial Crisis in 2022

Financial crises happen when there are both demand and supply issues. This year, there has been a strong demand for goods and services since consumers have more money to spend than in 2021, when job security was threatened due to the pandemic.  Additionally, many people have been able to pay down debt while employment rates have increased due to increased spending. 

Businesses are also doing well as consumers start spending again, and many are upgrading their business equipment and machinery or replacing workers with technology. Homebuilders are also back on their feet as supply issues have decreased, and mortgage rates are still meager as the real estate market continues to thrive. 

Very few people expect any type of crisis in 2022, but supply issues might trigger a recession next year. 

Supply Chain Problems 

While people are starting to spend again, supply chain issues could trigger a financial crisis in the near future. Supply chain issues occur when factories shut down and produce fewer products than usual. This has already started in the auto industry, with supply chain shortages impacting the price of vehicles, both new and used. The auto industry has already laid off workers due to supply chain issues affecting the economy. Not only are there fewer products, in this case, vehicles, to purchase, but there are fewer people able to purchase them because they’re out of jobs. 

The current supply chain issue isn’t that there are fewer materials; instead, there aren’t enough materials to meet increased demand. Therefore, supply is limiting the growth of companies rather than causing recessions as of right now. This lack of supply isn’t pushing spending down, but it’s forcing businesses to cut back. These cutbacks may discourage buyers, but many will still buy products despite less variety. 

Job Loss

Job losses can cause a recession because fewer people will be able to spend money and boost the economy. There are many layoffs of unvaccinated individuals over the age of eighteen, and while many workers will get vaccinated, many may still not. Losing jobs due to vaccine mandates could be disastrous for the economy. Still, the government will likely pull back the regulations before letting unemployment impact the economy at such a devastating level. 

Is a Recession Likely?

While experts agree that a recession in 2022 is unlikely, there might be an economic downturn in 2023 and 2024. Soon, short-term interest rates will begin rising again, and the economy will react slowly. The main issue in the near future is inflation, which can trigger a recession. If inflation continues, the government might be too slow to react; the longer they wait, the harder it will be to recover. 

Luckily, many experts don’t believe there will be a severe economic downturn over the next few years. Many federal banks want to keep inflation down, and many leaders are restricting economic growth to ensure inflation doesn’t get out of hand. Unfortunately, there is still much speculation, especially with Russia’s war in Ukraine adding doubt among consumers. Additionally, mortgage rates have increased with housing becoming less affordable. The federal government will do everything it can to fit inflation in the next few years to avoid a recession. 

Final Thoughts

While many speculate there might be a financial crisis in the near future, others have faith that the federal government will play its part in keeping inflation down to avoid a severe recession. When there’s a recession, everyone, including investors, individuals, and businesses, suffers as the unemployment rate increases and wages decrease. While the pandemic delivered a major blow to companies and individuals, many people have started recovering in 2022 and are making sound financial decisions, including buying homes and paying off debt. Whether a recession happens in the next few years or not, there are ways you can make your life more recession-proof, including:

  • Saving as much as possible
  • Cutting back on spending
  • Supplementing income

It’s likely a recession is coming, but it should be a mild one, depending on the federal government’s actions regarding inflation and interest rates. When they raise rates, borrowing money and getting a mortgage becomes more complex, but the government hopes that it should slow down the economy enough to avoid a major recession. 

 

Matt Casadona

Matt Casadona has a Bachelor of Science in Business Administration, with a concentration in Marketing and a minor in Psychology. Matt is passionate about marketing and business strategy and enjoys San Diego life, traveling, and music.

8 Types of FHA Loans and How to Take Advantage of Them

Matt Casadona
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8 Types of FHA Loans and How to Take Advantage of Them

8 Types of FHA Loans and How to Take Advantage of Them

FHA loans are ideal for borrowers that don’t meet the requirements for conventional home plans. The Federal Housing Administration program has a variety of home loan options that make it easier for people with lower credit scores and down payments to qualify for a mortgage loan. FHA loans are a flexible and cheaper option for first-time homebuyers, which helps more people purchase homes. This article will discuss the different types of FHA loans and how you can take advantage of them. 

Benefits of FHA Loans

FHA loans offer benefits over traditional conventional home loans, including:

  • Lower down payments: You only have to put 3.5% down instead of 20% in most cases. You can also choose to put more down to keep your monthly loan payments lower. 
  • Flexible income requirements: FHA loans might offer people with non-traditional employment models, like contract workers flexible loan options to purchase a home. For example, they might be a good option for freelancers and retired individuals. 
  • Lower credit requirements: FHA loans typically have a lower credit requirement than conventional loans, making it easier to buy a home if you have less than perfect credit. 
  • Competitive rates: While FHA loan interest rates are typically higher than conventional mortgage loan rates, they are still competitive and make purchasing a home affordable. 

These benefits are aspects of FHA loans, but the exact rates will vary depending on your lender. 

Types of FHA Loans

As we’ve already discussed, there are many types of FHA loans, many of which potential home buyers don’t even know about. They include:

1. Fixed-Rate FHA Loan

FHA loans are available in fixed-rate terms between 15 and 30 years. These loans come with a low down payment with competitive rates and lower credit qualifications than most conventional loans. However, the higher your credit score, the better your interest rate will be, so it’s always best to improve your credit score before applying for a home loan. The fixed-rate FHA loan is also considered the standard FHA loan and can help many first-time homebuyers purchase a house. However, you will have a higher monthly mortgage insurance premium for the life of the loan if you put less than 10% down. 

2. Adjustable-Rate FHA Loan

An adjustable-rate FHA loan, also known as an adjustable-rate mortgage (ARM), has an interest rate that changes throughout the life of the loan. Typically, the rate starts low and increases over time. Many people choose the adjustable-rate loan because it has lower rates initially, which makes buying a house easier. Additionally, many people expect their incomes to increase over the life of the loan, making an increasing interest rate more manageable to pay off as time goes on. FHA ARMs have a few different term options, including:

  • 1 & 3 Years: these ARMs can increase up to one point after the first or third year, with a lifetime increased percentage cap of 5%. 
  • 5 Years: A 5-year ARM can increase one point per year after five years with a cap of 5% or up to 2% per year after five years with a 6% cap. 
  • 7 & 10 Years: These ARMs can increase up to two points per year after 7 or 10 years with an increase cap of 6%. 

FHA ARMs might be a good option for homebuyers who want to sell their homes before the rate increases or those that believe their incomes will increase over the life of the loan. Adjustable-rate mortgages are not as popular as standard fixed-rate mortgages, but they are still a good option, depending on the borrower and their needs. Unfortunately, mortgage rates adjust according to the real estate market, so your rate is unpredictable, which scares off many borrowers who want to ensure they know precisely how much they’ll owe each month. 

3. Graduated Payment Mortgage

Also known as an FHA 245(a) loan, the graduated-payment mortgage has a fixed rate. These mortgages are structured, so your monthly payments increase at intervals. As your loan balance decreases, your equity will start to build and gain traction. All graduated payment mortgages have a 30-year term, but many people pay off the loan early. 

These loans were created when rates were high, which made it difficult to reduce the principal balance. Now, homeowners can pay extra monthly to pay down their principal balance faster. Of course, you’ll need a long-term budget strategy with scheduled increased payments, but this is a great loan if you plan to stay in your home for at least 30 years. 

4. FHA Energy Efficient Mortgage

The Energy Efficient Mortgage (EEM) loan offers financing that allows borrowers to roll the cost of energy-efficient upgrades into their loans. For example, homebuyers can use this program to upgrade their windows, HVAC, and insulation, but solar technologies also apply. 

5. Mobile Home Loan

The FHA mobile home loan offers buyers the opportunity to finance a mobile home, viewed as personal property and typically has higher insurance rates. This type of loan can be used to purchase a home, lot, or both, and the maximum loan term ranges from 15 to 25 years. 

6. Condo Loans

You can also purchase a condo using an FHA loan. Many condo associations have rules for property sales and home improvements, but there are restrictions regarding using your FHA loan for a condo, including: 

  • A community with a high percentage of owner-occupied condos
  • Minimal non-residential square footage
  • No rent-pooling

 

7. FHA 203(k)

The FHA 203(k) loan allows buyers to purchase fixer-uppers and finance home repairs and renovations with the same loan. This add-on allows financing for up to 100% of the post-renovation appraised home value, but this loan only helps those who need a mortgage for a fixer-upper. 

8. Reverse Mortgages

Reverse Mortgages, also known as home equity conversion mortgages (HECM), allow qualified homeowners to receive cash disbursements by liquidating their built-up equity. This program is ideal for older homeowners who want to increase their monthly earnings. However, this loan reduces the home equity and has strict requirements. 

Applying for an FHA Loan

If any of these types of loans look like a good fit for you, all you have to do is apply to see if you’re eligible. Of course, you should always shop multiple lenders to ensure you’re getting the best rates. Next, complete a loan application, giving the lender permission to check your credit scores and employment history. You’ll either be approved or denied, just like any other type of loan. Once you’re approved, you can begin shopping for a house with your approval in hand to show sellers you’re ready and able to purchase a home. 

 

Matt Casadona

Matt Casadona has a Bachelor of Science in Business Administration, with a concentration in Marketing and a minor in Psychology. Matt is passionate about marketing and business strategy and enjoys San Diego life, traveling, and music. 

 

10 Things You Can Do Right Now To Increase Productivity

Marné Amoguis
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10 Things You Can Do Right Now To Increase Productivity

10 Things You Can Do Right Now To Increase Productivity

Being productive can help you accomplish more in a single day without breaking a sweat or spending too much time on a single task. However, not everyone can remain productive for more than a few hours, and many productive people have to work through blocks and increase their energy to be efficient.

Of course, productivity should never be your only concern. While you want to get more done every day, you should always pay attention to what you’re doing and deliver quality work. You should remember that nobody is perfect, and striving to be productive all the time can lead to burnout and poor mental health. If you want to increase productivity and make yourself more efficient, check out what you can do right now. 

1. Take Breaks

Not every boss you have will be a hero boss who lets you work whenever you want, but many aim to increase employee retention by allowing employees to take breaks whenever they need. Productive people know that they can’t be productive every second of the day and that breaks are necessary to let their minds and bodies rest. However, working productively without a break can lead to stress and burnout; it’s typically best to work in short bursts by setting off a timer and taking a ten-minute break every few hours. 

2. Stop Multitasking

Even if your boss wishes you could do five different jobs simultaneously, you can’t. Multitasking might sound like a way to get more done, but it can actually make you less efficient. Jumping from task to task takes energy and time away from each project. Instead of moving from one task to the next without finishing them, consider completing one task before starting another. By spending more time working on a single task, you can put all of your energy and time into one and quickly finish it up. 

3. Be Happy

It’s impossible for people to stay happy at their jobs at all times. However, enjoying what you do can help you be more productive. If you’re unhappy with your job, your work will show it. Doing your job to the best of your ability depends on how much you love performing the tasks at hand. 

4. Work Flexibly 

A flexible work schedule can allow you to be more productive at work and in life. Instead of worrying about all of the chores you have to do when you get home, you can have those chores done and work when you’re most productive. Some people are most productive in the morning, while others are most productive at night. You can get more done in a single day by working in short bursts when you have the most focus and energy. 

Of course, most workplaces don’t allow you to come into the office whenever you want. However, you might be able to negotiate with your boss to work flexible hours. If your boss isn’t sold on the idea right away, ask them if you can do a trial run to demonstrate your ability to get the same amount of work done with a flexible schedule. You can prove that the more time you have for your household tasks and personal life, the more effectively you can work. 

5. Eliminate Distractions 

Whether you work from home or at an office, you’re going to be faced with distractions. If you work on a computer all day, you might even be distracted by the tool you use to get work done. For example, you might be working on a report only to find out you’re distracted by an advertisement that you opened up in a browser. 

If you work from home, you’ll be distracted by all of the things going around you in your household, including pets, children, and chores. Instead of letting yourself get distracted, you can make a list of all the things you need to do and focus on priorities first. Next, find a quiet environment where you can work with fewer distractions. 

6. Work Outside

Working outside can help you feel energized and relaxed to focus on your work. With a new environment, fresh air, and sunlight, you can help stimulate your mind and body, improving your productivity. 

7. Make a List

If you find that you’re getting scatterbrained throughout the day and you’re not sure what to work on, you might benefit from a list. Creating a shortlist can help you determine your priorities to get the most important tasks done first. Instead of writing a long list, start with a list of two or three tasks. If there’s a task you’re not looking forward to, consider getting it done first to get it out of the way. Once your daunting task is done, you’ll feel more energized to get additional tasks completed. 

8. Move Slowly

Productivity and efficiency shouldn’t be measured by the speed at which you get things done. Instead, you should focus on small tasks and move slowly through your to-do list. Large tasks can be intimidating, especially if you don’t break them into smaller chunks. By breaking up large projects into smaller tasks, you can slowly move through your list of projects. 

9. Be Realistic

When you start your day, you might feel ready for anything. However, as the day goes on and you start to realize you won’t be able to get as much done as you want, you can feel defeated. So, consider what must be done that day instead of starting with a large list of tasks. If tasks aren’t due or don’t need to be done immediately, put them at the bottom of your list. 

As you continue working to be more productive, you’ll learn achievable and realistic goals by measuring how much you can get done in a single day. 

10. Reward Yourself

When you finish your tasks, make sure to take the time to appreciate yourself. While you shouldn’t reward yourself with something that’s unhealthy, you should do something that allows you to sit back and relax. For example, you can take a bubble bath or spend time with your family at the end of a long day. 

 

Marné Amoguis

Marné Amoguis holds a B.A. in International Business from UC San Diego. She is a contributing writer at 365businesstips.com where she loves sharing her passion for digital marketing. Outside of writing, she loves traveling, playing music, and hiking.

The ‘N’-Word: A Controversial Term That Should be Off-Limits to All!

Jashim Sobhanian
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The ‘N’-Word: A Controversial Term That Should be Off-Limits to All!

Since the advent of political correctness, there has been discussion over the use of the n-word. The black community has managed to reclaim the slur and use it as a term of endearment despite the n-troubling word’s and oppressive past. This is exactly why people of the black community can say this word freely.


The n-word is mainly utilized in rap music and as the punchline of provocative jokes in today’s culture. Today’s youth and college students are at a perfect age for popular rap and pop culture songs. It’s common for college students to have AirPods or less expensive wired headphones tucked deep inside their eardrums. It’s reasonable to suppose that not everyone is listening to Kanye’s latest Gospel album. But the point is, the n-word can be heard or read easily, but that does not give anyone permission to use it.

Many people think that white people shouldn’t use the n-word, while others think it should be banned entirely. This has been an on-going discourse for as long as I can remember now. There is a belief that the word has lost its negative connotation as a result of its widespread use in contemporary culture. That way of thinking is incorrect since there wouldn’t be any tweets or videos of individuals using the n-word forcefully at black people. Additionally, there wouldn’t be a great deal of backlash against people who use the word. People wouldn’t be fired or disciplined for using the n-word in previous social media posts if it were merely a word. Its influence is further demonstrated by the need for censorship whenever this word is used. The n-word still has the same effect now even though the black community has changed how it is perceived, as it did years ago.

But the pressing question is, should everyone, regardless of ethnicity, be banned from using the N-word?

No matter the context, the word itself is offensive, and many believe this call for its elimination from the English language. Eradicationists conflate the word’s formal meaning with its frequent use as a slur that disrespects persons of black African origin and casts them in a negative light. Being called the N-word was such an unpleasant word; it was meant to humiliate them and to make whatever standing they had in society relative to white people evident. Many African-American forebears have experienced so much suffering and discrimination as a result of racism. Whatever you want to call it—reclamation—you shouldn’t utilize it.

Racism may not be as pervasive as it once was, yet it still has an impact on minorities frequently. it is wrong and insulting to use the n-word. Avoiding the use of a foul, demeaning slur in any situation should be simply out of respect for an entire race. Nobody will ever say that while appearing cool or with the same motives. It is simple to control your behavior and get on with your day.

Top 10 Best Colognes for Men: A Comprehensive Guide to Find Your Signature Scent

Jashim Sobhanian
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Top 10 Best Colognes for Men: A Comprehensive Guide to Find Your Signature Scent

 

Cologne has been a staple accessory for men for centuries, serving as a statement of style and confidence. With so many options on the market, finding the right scent can be overwhelming. However, with a little research, you can find the perfect fragrance to fit your style. Here are 10 of the best colognes for men on the market today:

1. Acqua di Gio by Giorgio Armani – This classic fragrance is a timeless scent that is both fresh and masculine. Acqua di Gio has a light, aquatic aroma with notes of bergamot, jasmine, and rose, making it a perfect choice for day wear.

2. Bleu de Chanel by Chanel – This contemporary scent is perfect for the modern man who wants to make a statement. Bleu de Chanel features a unique blend of woody and aromatic notes, including pink pepper, labdanum, and sandalwood, giving it a bold, masculine edge.

3. Dolce & Gabbana The One for Men – This warm and spicy fragrance is perfect for men who want to stand out. Dolce & Gabbana The One features notes of tobacco, cardamom, and grapefruit, making it a bold and confident choice.

4. YSL L’Homme by Yves Saint Laurent – This elegant and refined scent is perfect for the sophisticated man. YSL L’Homme features a blend of bergamot, ginger, and cedar wood, giving it a warm and spicy aroma that is perfect for special occasions.

5. Gucci Guilty by Gucci – This vibrant and bold scent is perfect for the confident man. Gucci Guilty features a blend of lemon, lavender, and patchouli, giving it a fresh and masculine aroma that is perfect for daytime wear.

6. Aventus by Creed – This iconic fragrance is perfect for men who want to make a statement. Aventus features a unique blend of pineapple, apple, and black currant, giving it a fresh and crisp aroma that is perfect for any occasion.

 

7. Paco Rabanne 1 Million – This daring scent is perfect for the man who wants to stand out. Paco Rabanne 1 Million features a bold blend of grapefruit, mint, and rose, giving it a refreshing and masculine aroma that is perfect for daytime wear.

 

8. Tom Ford Noir by Tom Ford – This sophisticated scent is perfect for the stylish man. Tom Ford Noir features a blend of bergamot, pink pepper, and vanilla, giving it a warm and spicy aroma that is perfect for special occasions.

 

9. Dior Sauvage by Dior – This bold and masculine scent is perfect for the confident man. Dior Sauvage features a unique blend of bergamot, lavender, and pepper, giving it a fresh and crisp aroma that is perfect for any occasion.

 

10. Versace Eros by Versace – This bold and vibrant scent is perfect for the daring man. Versace Eros features a unique blend of lemon, mint, and vanilla, giving it a fresh and masculine aroma that is perfect for any occasion.

 

When it comes to finding the right cologne, it’s important to choose a scent that reflects your personal style and makes you feel confident. Whether you prefer fresh and crisp scents, warm and spicy fragrances, or bold and daring aromas, there is a cologne out there for everyone. So, take the time to find the perfect scent that fits your style, and you’ll be sure to leave a lasting impression wherever you go.

7 Creative Ways to Enhance Your Health

Megan Isola
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7 Creative Ways to Enhance Your Health

 

Improving your health is a great goal, no matter your current health status or age. Unfortunately, finding new ways to enhance your health that are also maintainable can be difficult, especially if this is the first time you’ve decided to dedicate time, effort, and even money to improving your well-being. But, of course, that’s why you have us. Whether you have a health condition like essential tremor or you’re simply wondering how you can improve your physical and mental health, there are several ways to get creative with it. Here are just a few creative ways to enhance your health: 

1. Dance

While some types of dancing can involve technical skills, dancing at home alone doesn’t have to be beautiful to improve your health. Instead of sitting in front of the television, consider moving to the music and burning calories while doing it. Any dance moves that get your heart pumping can improve your mood while helping you burn calories. 

If having a dance party alone doesn’t sound so fun, consider dancing throughout the day. For example, the next time you’re carrying laundry from one room to the next, consider adding in some of your coolest dance moves to help keep you energized. 

2. Create a Positivity Calendar

A positivity calendar is a calendar that reminds you of something positive every day. For example, if the first thing you do is wake up and think about all the chores you have to do or deadlines, you’ll likely stress yourself out before you even get out of bed. However, having a positive calendar can help you remember the reasons why your life is so great in the first place. You can use a print calendar or the app on your phone and add an event every day of the week that compliments or motivates you. 

3. Declutter Your Fridge

You’ve heard the mental health benefits of decluttering your home, but what about your fridge? If something falls out every time you open your fridge, it’s time to clean and disinfect your fridge and consider your food choices. Does your fridge need to be so stocked things fall out? Decluttering your fridge will allow you to look at the types of foods you choose at the grocery store. You can decide whether or not the foods you eat daily are positively or negatively impacting your health and if you’re simply purchasing too much and it’s going bad. 

In addition, this will finally allow you to eliminate any foods you wish were no longer in your home. So all those bags of opened chips, pretzels, and chocolates you want to get rid of but haven’t yet should be on the top of your list. 

4. Adopt a Pet

Adopting a pet is good for your health in more ways than one. For example, being a pet parent to a dog can keep you more active because they require daily exercise, which may mean waking up early for a thirty-minute walk or going for a jog around the block after work. Whatever the case, dogs can improve your physical health. 

In addition, pets of all kinds are good for your mental health. Even when they’re not forcing you to go on walks, having a pet can reduce stress. Simply walking through the door after a long day of work and seeing your best friend standing in front of you with their tail wagging can improve your mental health immediately. 

5. Sleep More

This tip isn’t necessarily creative but is essential for your overall health. Getting enough sleep every night will improve every aspect of your health by giving your mind and body time to relax and rejuvenate after a long day. If you’ve ever had poor sleep the night before an important day, you know exactly what we’re talking about when we say you need quality sleep. 

Six to eight hours of sleep is recommended for adults, but many people find that seven hours of sleep is the sweet spot. If you have difficulty falling asleep, you can think of creative ways to form a nighttime routine, such as doing yoga an hour before bed or putting on your pajamas every night at the same time to help your mind wind down. If this doesn’t seem to help, you should consider changing your mattress out for one that is comfortable and aids in consistent sleep for you. 

6. Keep a Journal 

Keeping a journal is another creative way to enhance your health. Since journaling is a personal experience, you can write about anything you want, including how your day went and the personal goals you have for yourself. In addition, you can keep track of any health goals you’ve set for yourself using your journal. 

You should always write about the positive aspects of your day in your journal. For example, if your work performance was complimented, you could put it in your journal to remind yourself the next time you’re worried about your performance. Of course, you should also keep track of daily wins regarding your health. For example, if you finally found the energy to hop on the treadmill in the morning, you can write about how it made you feel and why you should do it again. 

 

7. Find Activities You Enjoy

The easiest way to improve your health is to find physical activities you enjoy. Of course, while some individuals like going for morning runs, others can’t stand the thought of waking up early just to exercise. There’s a fun physical activity for everyone, so you may have to experiment to find one you enjoy. 

If you have difficulty finding something to do, you can talk to your friends and find out what activities they enjoy. For example, you might try going on a hike or attending a weekly pilates class at the gym with your friends to make exercise more enjoyable. 

Improving Your Health

Everyone is different, and how you enhance your health will depend on your goals. For example, individuals who want to lose weight might engage in calorie tracking, while those who want to focus on their mental health may invest in meditation apps. Of course, it’s not only to find something that works for you but to find something that you can do several times a week, if not daily. 

 

Megan Isola

Megan Isola holds a Bachelor of Science in Hospitality and a minor in Business Marketing from Cal State University Chico. She enjoys going to concerts, trying new restaurants, and hanging out with friends. 

 

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