Financial planning is a generic term that encompasses a long-term process of evaluating one’s sources of income, factoring in recurring expenses and payment of liabilities and thereby arriving at a sustainable financial strategy that not only offers a sound return on investments but also protects you against any potential risks.
Financial planning is vital in ensuring one a secure life even when one is not able to earn from a full-time job due to old age.
Here is a quick look at the components involved in financial planning:
When we speak of financial planning, what is commonly assumed involves investments to increase one’s savings. While this is no doubt an important aspect of financial planning, there are others that gain priority too.
Sound financial plans that consider all the above factors will go a long way towards giving you a peaceful and enjoyable retirement that isn’t thrown into chaos due to any personal upheavals or market shifts.
Moody, naughty, and anti-social is the image of cats we all carry, but here’s a list of a few cat breeds that talk otherwise. They are the kind of pets you will long to have and receive lots of love from. Your home sure awaits these.
The oriental
The Orientals have a curious personality that’s smart and social. They bond well with the family and can be really loyal and playful. They have a sleek body, are rather muscular and have pointy ears. Attention is something all cats love, but Orientals can be really loud and openly demanding. Unlike the general perception, these cats are friendly, and would play with other pets too. Their life span is about 15 years and weigh about 8 pounds when fully grown.
The American shorthair
Colorful cats are hardly a sight, but these cats not just come in a variety of colors but patterns too. They are athletic and are known to have descended from the British shorthair. They have a comparatively longer lifespan of about 20 years. Kids would love these cats, and the shorthairs reciprocate just as much too. They are the one breed that would even be good company to dogs. Low maintenance with cats is a myth, but this cat breaks it all. They are gentle, easy going and don’t need too much grooming. They weight about 8 pounds.
The birman
Cats are really sharp beings and according to one certain myth, this particular breed of cats were known to be the protectors of the Burmese temples, from where they seem to have originated. Silky hair, long and sturdy, with blue eyes, pointy ears and milk white boots on all paws, these cats are extremely attractive. They are very loving, playful and yet can be really quiet when it realizes your needs. They are perfect for most families as they get along well with children and other animals too. They weigh about 12 pounds.
The sphynx
Sensitive and exotic are the two words that accurately describe these cats. They have fuzz all over their body that would remind you of peaches. Unlike popular belief, these cats are not completely hairless. They are very sensitive to the sun and should be kept indoors. Cuddly is another thing that most cats aren’t known for, but this holds as an exception to that rule. High on energy and very affectionate, they cuddle and snuggle with you. They weigh just about 15 pounds, but they have to be looked after well.
The best toys for your toddler
There is no off season for shopping, and when you are thinking of buying some of the best toys for your younger one, you cannot stop at one toy for sure. We can find numerous toys in the toy store for our babies and toddlers, but we tend to get confused on picking the right one. As there are so many options to choose from, you might want to know which is the right toy for you kid. But did you know that there are toys that are made for specific age group. Toys and games play an integral role in molding the brain and also help in growth and development of the child. So, you do not want to go wrong in buying the right toy for your baby or toddler. Right from learning toys to building blocks and more, toys for babies and toddlers are many. Here’s a list of some of the popular toys that you can pick for your kid depending on his or her age. Read on!
For kids of six months of age
In case your kid is six months of age, you can choose from learning letters and words toys to activity toys. There is the Dolce Activity Zebra, which is ready to romp. This savannah dweller plays songs once you pull its tail. Considered as one of the most popular toys for kids of this age, the Dolce Active Zebra can be your first pick.
Others include Fisher-Price Laugh & Learn First Words Smart Puppy, Lamaze Repeat Petey, to name a few.
For one year olds
Kids of this age curious, active and want to learn newer things. At such a time, you would want to give them toys that would interest them as well as contribute to their activity and toddler learning. Choose from Fisher-Price Little People Animal Rescue, Hape Pound & Tap Bench, Little Tikes Light n Go 3-in-1 Sports Zone, to name a few.
You can find all of these on popular e-shopping websites such as amazon.com. The prices of these toys range between $35 and $55.
For kids between the age of two and three years
Children of this age are good at instantly picking up new skills. You would want to give your toddler the right toy at this age so that he/she can play along with learning new things.
Some of the toys that you can consider buying for your kid aged between two and three years are Playskool New Tickle Me Elmo, Scoop & Learn Ice Cream Cart, Jada Toys Mickey Transforming Roadster Racer RC, and Hasbro Baby Alive Sweet Tears.
For kids aged between four to five years
Now that you have a kid at home who is four or five, be ready to hear about all the interesting toys around. Preschool times are those where kids start developing their first friendships. This is also the time where kids become sharp, have longer attention spans, and indulge in inventive games.
In case you are looking for some of the best toys for your kid’s next birthday or to fulfill the wish list, here are some of the toys you can consider.
Pick from FurReal Roarin’ Tyler the Playful Tiger, Spin Master Soggy Doggy Board Game, Star Wars Luke Skywalker Landspeeder, WowWee Fingerlings, Spin Master Hatchimals Surprise Puppadee, to name a few.
Now that you have a list of popular toys to choose from, you can always research about the price, where can you find these, and which comply to the safety guidelines for toys for your kids.
An elliptical machine simulates the non-impact walking stance by being a stationary exercising machine. The elliptical machine’s most striking feature is that it provides a weight bearing for both the legs. The standard ellipticals operate with the upper body by using the handles and the lower body by employing pedals.
These days many treadmill users are switching to using the elliptical machine as it appeals the trainer because it has a low impact on the joints and still ensures a brisk workout. The machine also works well for the upper and lower body workout. So, before actually using the elliptical machine to bring out wonderful changes in you, let’s knew the basic wonders of an elliptical machine and its benefits.
An elliptical machine works ultimately for cardiovascular strength and helps to burn calories to improve the aerobic capacity. An elliptical machine is said to deliver a ‘non-impact conditioning’ as it allows the body to emulate a jogging motion without causing a serious strain on the trainer’s joints which occurs more on a treadmill.
An elliptical machine is equipped with moveable handles and a cross training ability which allows the trainer to exercise the upper body properly (pectoralis major, triceps, biceps and deep core muscles).
Reverse stride is another unique option that an elliptical machine offers. It allows the trainer to stride in reverse, which activates the muscle groups of lower-body muscles (gluteus maximus, quadriceps, and hamstrings). It also proves to be a fun activity in the middle of a workout.
The perceived output on ellipticals is low. One can set the program accordingly. This essentially means that the trainer is asked to rate their perceived output. So, it typically operates based on the actual output of their heart rate. This is a strategic method of burning almost the same number of calories with lesser effort.
Elliptical works not just for the upper and lower body, as the trainers to go forward and backward – its simultaneous target is the other group muscles.
In terms of losing fat, the ellipticals deliver almost the same intensity of workout as compared to when people use the stair climber or a treadmill. A 12-week regular exercise regime with nutritional food diet would bring in the change you envisioned.