6 common mistakes to avoid when investing in gold

6 common mistakes to avoid when investing in gold
For centuries, gold has been a sought-after possession. Today, it is also a sound investment option for both conservative and risk-taking investors, as the metal has intrinsic value and is accepted as a legitimate high-value asset across the world. From diversifying the portfolio to making long-term safe investments, gold can be a beneficial and relatively safe investment option. But, if one’s not familiar with the market, one could make costly mistakes while investing in gold. Common mistakes to avoid 1. Overlooking associated costs When one thinks of gold investments, they might only imagine buying and stocking up gold bars, gold coins, or jewelry. While the metal itself is a legitimate investment option, physical gold comes with a 10% production cost. Then there are also safety and storage concerns associated with gold as well as transaction fees. 2. Not exploring all options Many think of gold as a physical asset, but gold investment goes beyond that. Those strictly interested in gold investment and not personal use are better off buying ETFs (exchange-traded funds), which track gold prices, or gold mining stocks. With these options, the investor holds shares of gold mining companies that can be bought or sold on stock exchanges.

Pros and cons of some of the best retirement investments

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

5 things first-time cruisers should avoid doing

5 things first-time cruisers should avoid doing
Those who have traveled on a cruise before are probably already familiar with cruise dos and don’ts. But for cruise rookies out there, this is a brand new experience. If you’re one of them, you probably do not know what to expect, especially since there will be a ton of other passengers. Good thing we’re here to help. Read on to know about five things you should not do on your first cruise trip. Don’t forget to turn off your data First-time passengers are often surprised and dumbfounded by their expensive cellular bills after a cruise. These high bills are only a result of the international data and roaming charges applied to cell services. If you do want to avoid these pricy bills, you can opt to turn off cellular data for the whole duration of your trip or while nearing a coast or port. You can also switch off your cell phone or put it on airplane mode to avoid unnecessary costs. However, this does not mean that you cannot contact your loved ones on land. You can simply use the internet cafes onboard or pay to access Wi-Fi services throughout the trip. Don’t shop too much One of the biggest mistakes first-time travelers make is shopping way too much at ports.

Top 10 Cyber Monday 2022 shoe deals

Top 10 Cyber Monday 2022 shoe deals
Cyber Monday is the perfect excuse to buy things on your wishlist. Several retailers and brands offer unbelievable sales, making it ideal for guilt-free shopping. Whether you plan to hit the gym in your new sneakers or invest in a pair of pumps that will make heads turn at Christmas parties, this is the time to shop. The following are some shoe marketplaces and brands that offer Cyber Monday discounts. Aldo Founded in 1972 in Le Chateau, Canada, ALDO Shoes are known for its high-quality fashion footwear, leather goods, and accessories. This brand sets trends with bold designs and enables you to upgrade your look with a single accessory effortlessly. Throughout the year, an ALDO subscription can get you 15% off, but on Cyber Monday, you get a 50% discount on all the latest designs. However, be warned that the sale lasts only until their stocks are available. Nordstrom Some of the best sales are on Nordstrom’s men’s and women’s shoes. You can enjoy 50% off on slippers, sandals, heels, and so much more for a limited period between Black Friday and Cyber Monday. If you see a pair you like, be sure to buy it quickly because shoes fly off their digital rack during the sale.

Top 6 safest SUVs of 2022

Top 6 safest SUVs of 2022
A sports utility vehicle, or SUV, has become a go-to choice for many American families. One of the main reasons people consider buying SUVs is that it feels safer than other cars, thanks to their large and sturdy build. Moreover, modern SUVs are loaded with a wide range of safety and driver assistance features, making them incredibly safe and reliable. If you’re in the market for a new SUV, you must consider some latest options. 2022 Acura RDX This crossover SUV from Acura is currently one of the safest vehicles on the market. The automaker has outfitted all trim variants of the 2022 RDX with a suite of safety and driver-assistive technologies, including lane-departure warning, pedestrian detection, lane-keeping assist, automated emergency braking, adaptive cruise control, and traffic sign recognition system. 2022 Volvo XC40 Recharge If you’re looking for a compact electric SUV with excellent safety features, the 2022 Volvo XC40 Recharge should be your choice. It’s equipped with vital safety and driver-assistance features, like lane-departure warning with lane-keeping assist, automated emergency braking with pedestrian detection, and blind-spot detection. The vehicle also has an advanced body structure and a unique battery safety cage that can protect all passengers in a collision.

7 subtle signs that may indicate schizophrenia

7 subtle signs that may indicate schizophrenia
Schizophrenia is a severe brain disorder where individuals start to perceive reality in different ways. Studies indicate that mental illness affects about 1.1 percent of the adult population in the country. Treatment methods, therapies, and coping mechanisms can help an individual cope with the condition. However, diagnosing the disorder may take time as the symptoms do not surface until later in life. So here are seven subtle symptoms that may indicate the development of schizophrenia. Social withdrawal One of the signs that are easy to miss is social withdrawal. Here the individual may exclude themselves from opportunities for social interactions. The person may not avoid talking to others because they believe no one understands them. The sign may eventually lead to social isolation, where the individual may also avoid talking to friends and family members. Social withdrawal, when left unchecked, may also lead to depression – a symptom of schizophrenia. Outbursts of negative emotions Signs like hostility, extreme reactions to criticisms or jokes, suspiciousness, and impulsivity are signs seen in the general population. But there’s a chance that people with anger issues or those who always doubt others might be experiencing early signs of schizophrenia. Unlike others, an individual in the early stages of schizophrenia may exhibit sudden negative emotions for no apparent reason.

Our
Blog.

9 most common types of depression you should know about

9 most common types of depression you should know about

All of us feel low, upset, and unmotivated at some point in our life, but this isn’t classified as depression. Depression is a mood disorder that overshadows a person’s thoughts, feelings, and actions. Signs and symptoms of this grave disorder can range from feeling hopeless and tired to completely losing the will to live. There are several types of depression and they are listed below so you can understand depression and people suffering from it better. Major Depression (Clinical Depression) The hallmark trait of this type of depression is the constant feeling of sadness or loss of interest in social life or any outside stimuli. It often lasts for two weeks or more in which a person can experience symptoms such as hopelessness, fatigue, and suicidal thoughts. Dysthymia (Persistent Depressive Disorder) Dysthymia lasts for years and can disrupt daily life and interfere with personal and professional relationships. Individuals with dysthymia are often seen as dark, pessimistic, or complainers by others, and they have a hard time being happy in typically pleasant situations. Manic Depression (Bipolar Disorder) People with manic depression experience high degrees of mood swings. Their train of thought can take them from feeling euphoric to feeling suicidal in just a few weeks.
Read More
Simple and practical guide points for expecting parents

Simple and practical guide points for expecting parents

Pregnancy is a new experience in every couple’s life, and one should understand a few things to ensure that the nine months are smooth and stress-free. Simply being prepared for pregnancy and looking forward to the joy of parenthood is not all there’s to childbirth. As a couple, you must understand, review, and adjust your lifestyle. Expecting mothers become their child’s nurturers and supporters from day one, but the expecting fathers, close relatives, and friends must also understand the key roles they will play right up to the due date. Here are a few simple family and pregnancy guide points to help you and your folks get started: Staying healthy Physical and mental wellbeing is extremely crucial for the expecting mother to ensure both her and the baby’s health. Diet plays a crucial role in this process, as the mother is now providing nutrition for the developing fetus as well as herself. As a family, you can take turns to ensure that the to-be mother is staying physically active, eating healthy and regularly, and not cultivating any bad habits. More importantly, family and loved ones should be prepared for the changes to come in the upcoming trimesters. Coping with changes – what to expect Morning sickness in the first trimester is quite common and can put a woman’s body under tremendous stress.
Read More