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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.
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4 mistakes to avoid when applying for a VA loan

4 mistakes to avoid when applying for a VA loan

The Department of Veterans Affairs (VA) offers loans to active-duty military personnel, veterans, and their spouses. These VA loans can help veterans buy homes without a down payment. Additionally, VA loans come with low interest rates. While VA loans can be beneficial, one must understand exactly what to expect when applying for such loans. So, one should understand the terms and carefully avoid mistakes that can interfere with the loan approval process. 1. Ignoring the credit score The minimum credit score requirements for VA loans vary from one lender to another. Nonetheless, if one’s credit score is incredibly low, then their VA loan application may be denied. Even if one doesn’t get a rejection from the lender, they may be charged a higher mortgage rate, which would mean more expensive monthly loan installments. For this reason, one needs to always check their credit score before applying for a VA loan. In fact, if possible, one should try to boost the score to improve their chances of getting the loan approved. 2. Not exploring all options Many national banks and other lenders are authorized to offer VA loans. Each lender offers attractive rates and special features to lure as many borrowers as possible.
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5 common joint conditions and how to treat them

5 common joint conditions and how to treat them

A joint or articulation is made from two bones that aid the body in movement. There are many forms of joint conditions, which, in many cases, arise from the wear and tear of bones. Arthritis is one of the major and most common health conditions in the country, and its intensity increases with age. Here are some common types of joint conditions that you need to know: Osteoarthritis With almost 10 percent of men and 13 percent of women aged over 60 suffering from osteoarthritis, it is one of the most prevalent joint conditions in the country. Osteoarthritis occurs due to the wear and tear of the cartilages that protect the ends of bones. It commonly affects joints of the spine, hands, hips, and knees. If left untreated, this wear and tear of the cartilage soon leads to bone degeneration, thereby affecting flexibility and range of movement. Treatment for osteoarthritis depends on its severity and the patient’s age. Mild symptoms can be treated through medications, physiotherapy, and changes in lifestyle, whereas moderate to severe cases may require surgical intervention. Spondyloarthritis Spondyloarthritis, also referred to as spondyloarthropathy, is a type of rheumatic disease that causes inflammation in various joints. There are two types of spondyloarthritis—axial spondyloarthritis, which causes inflammation of the joints in the chest, spine, and hip bone, and peripheral spondyloarthritis, which causes inflammation in the fingers, knees, and toes.
Tips to help you strengthen your immune system

Tips to help you strengthen your immune system

Natural selection has transformed the way in which the human immune system works. While some human genes have evolved to become immune to certain diseases, others have not. This leaves a whole lot of people prone to certain diseases and disorders. That said, there are ways to boost the immune system, improve one’s diet, and lead a healthier lifestyle. Here are a few simple steps that you can take to strengthen the immune system: Ensure adequate sleep There are quite a few studies that prove the relationship between adequate sleep and the strength of the immune system. As an adult, you should ensure that you get seven to eight hours of sleep every night. A teenager should get eight to ten hours of sleep, whereas a young child should get at least 14 hours of sleep on a daily basis. If you have disturbed or no sleep, then you can improve your sleep cycle with these quick tips: Try sleeping in a room that is completely dark Get to bed at the same time every night. This will help regulate your sleep pattern Avoid using electronics that emit blue light before bed Maintain a diet of fruits and vegetables Fruits, vegetables, and whole grains contain essential minerals, fiber, vitamins, and antioxidants.
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