| Insurance Savvy |
Get Health Insurance when you are Young!
If you are young and single, all you think about when it comes to your finances is about paying your monthly bills. Once in a while you probably also think about saving for a home or the future.
How many times has it occurred to you that you should buy Health Insurance? Never?
Well its time you started thinking about it, because time and age are crucial factors when it comes to Health Insurance.
You might be young and healthy, but remember you are also prone to accidents and sudden illnesses which might result in emergency hospitalization, surgery, and huge medical bills. In an emergency, you will not be able to wait to save enough money to begin treatment.
So, the right time to get insured is today, even if your employer provides you with health insurance, it is important for you to have an individual health insurance. Remember, your employer will provide you health insurance only till the time you are employed with him, the moment you leave your job, the health insurance provided by your employer ceases. No company will provide insurance to ex-employees.
Also the good thing about getting a health policy when you are young is that it is affordable and really inexpensive, the older you get more you have to pay.
Another distinct advantage of getting a health policy when you are young is, if you stay insured continuously, you will get covered for medical conditions diagnosed over a period of time. You also get to enjoy Income tax benefits under Section 80D of the IT Act. Also, for every claim free year your sum insured gets increased without paying any extra premium by way of cumulative bonus. This will ensure that you get adequate cover when you really need it.
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| Living |
 Keep allergies at bay
Breaking out in a rash or falling ill while enjoying a family dinner can be quite embarrassing for some. Such sudden break outs are called allergies, they are abnormal reactions people experience towards something in the air, food or other substances. It is unknown why some people develop allergies and some don’t. Allergies can occur at any time during our lives, but are more common to occur during childhood or young adulthood.
Tips to keep allergies away
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If dust is the cause of your allergy, stay away from places that are dusty, wear a face mask if you need to do any kind of cleaning or dusting.
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When eating out, incase there are certain vegetables or herbs your system does not agree with, kindly inform the waiter so the dish is prepared without the same.
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Clean and replace your air conditioner filters on a regular basis.
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Use washable curtains or window shades rather than heavy draperies or blinds.
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Keep your home as uncluttered as possible, avoid accumulation of things in one place. Recycle old newspapers, magazines, cans, and grocery bags weekly and throw away anything you don’t use that could be collecting dust.
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To control mold, increase ventilation in your bathroom, especially after a shower or bath.
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Overflowing garbage is a breeding place for various bugs and roaches, and their droppings can aggravate allergies. Ensure to keep your space clean.
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Pets like dogs and cats shed hair; this or their saliva is likely to spell trouble for 30 percent of allergy sufferers. Washing or brushing your pet weekly (outside your homes) is a must.
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| Tips |
Chocolate and Health
It could be a gooey bar of chocolate or a mug of hot chocolate, either ways chocolate is an indulgence for most people. However, Chocolates are all not bad. In the early days, it was used as natural remedy, while others considered it to be a powerful aphrodisiac. Chocolate contains serotonin which acts as an antidepressant. Dark chocolates are known to reduce bad cholesterol in the body.
Myths and facts about Chocolates:
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Chocolates do not cause acne or trigger migraine attacks.
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The main type of saturated fat in chocolate is stearic acid, which does not increase blood cholesterol levels as other fats do, infact Chocolates increase the HDL [good cholesterol] levels.
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Chocolate and cocoa contain substances called catechins actually helps protect the body against degenerative illnesses like cancer.
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Unlike popular belief chocolates are not lacking in nutrients, they are a good source of zinc, magnesium, iron, copper and also contain polyphenols- all of which are known to reduce risk of heart diseases.
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Points to remember while choosing a chocolate
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The more unprocessed cocoa powder a chocolate contains, the more flavanoids (plant based antioxidants) are present.
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Seek to find a chocolate that has low-glycemic sweeteners.
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If you see white patches on a chocolate bar, it means it has gone beyond its prime, so avoid eating it. The same holds true if it has lost its rich colour.
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Dark or Bittersweet chocolates contain less fat than the white chocolates; therefore develop a taste for these bites.
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| So now you can have the chocolate and eat it too! |
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