What is a balanced mutual fund and how to invest in a balanced mutual fund?

What is a balanced mutual fund and how to invest in a balanced mutual fund?

Balanced mutual funds also known as Hybrid funds are mutual funds in which the investor own both stocks and bonds. A balanced mutual fund is mainly introduced to balance the risk and reward ratio. In a long run, the investor can receive returns from both the invested bonds and stock.

How to choose the best balanced mutual fund?

Balanced mutual funds balances the risk-reward ratio by investing in stocks and bonds. The best way to ensure the return is to invest 60% on the stocks and 40% on bonds. Some people may prefer to invest up to 70% on the stocks and the remaining on the bonds. It all depends on the individual. This is the best option for you if you are investing for the first time and want to go with a low-risk profile. Balanced mutual funds are invested in a combination of stocks and bonds so it is less volatile than investing everything on the stocks. Below are some of the best balanced mutual funds currently available

SBI equity Hybrid Fund

The objective of the SBI equity fund is to provide the investors with the highest possible liquidity and long-term capital by investing in equity and debt. SBI equity Hybrid fund is an aggressive scheme. It invests about 60 to 80% in equity and 20 to 40% in debt. According to Crisil ranks, SBI equity Hybrid fund is placed 3rd in the aggressive hybrid fund. The point to be noted here is that since this fund invests a bigger part of the investment in equity, you may suffer losses during a market fall. SBI equity Hybrid Fund has an expense ratio of 1.25 and the first investment/Minimum investment for this fund is 1000 rupees.

HDFC Balanced Fund

The objective of this scheme is to generate income using the combined portfolio of both equity and debt. HDFC Balanced Fund invests 60% in equity and the remaining in debt. HDFC Balanced fund generated 18% annual return in 2017 and 20% annual return in previous 5 years. According to Crisil ranking, HDFC Balanced Fund is a good scheme and is in 3rd rank.

L&T Hybrid equity Fund

L&T Hybrid equity fund is in Crisil rank 3. According to the available statistics, the scheme performed well from last 5 years and managed to generate 16.57%  returns in 2017. The scheme was launched in 2011 and it is doing well since. The minimum investment for the scheme is 5000 rupees. Check out the following site https://www.medicaresupplementplans2019.com/aarp-medicare-supplement-plans-2019/AARP Medicare supplement Plans 2019 for AARP medicare supplement plans

ICICI Prudential Equity and Debt Fund

ICICI Prudential Equity and Debt Fund was launched on Nov 03, 1999. It is a scheme with moderately high risk but above average returns. Minimum investment for the scheme is 5000 rupees. The scheme is doing well since many years. It generated 15.81% returns in the last 5 years and 16.69 returns in the last 10 years.

Tips to earn money and minimize the loss in the stock market

Tips to earn money and minimize the loss in the stock market

The stock market is one of the oldest and trickiest ways to make money. Any investor can make money in the stock market but only the patient and an intelligent investor can get the return they desire. If you want to make money from the stock market or thinking of investing in the stock market, below are some tips which will help you invest your hard-earned money with minimum risk.

Research

Go to the internet and read about the companies. If you have expertise in a certain field, for example, you have expertise in software, invest in those companies who are leading the software market. Stick to a handful of industries. The world is a huge place and there is a lot of things going on. You don’t want to read about each and every company in the stock market which will take you forever. Invest in the field of your expertise or the one which interests you.

Update yourself

It is necessary to update yourself to find success in the stock market. Like the Android phone you use which updates every time whenever a new feature is released. It is necessary to update yourself to know which company is leading in which market. While reading the newspaper in the morning, just glance through the stock market section and you will know the current status of the companies. Stock market changes in a matter of days or hours. Read news on the stock market as much as possible.

Only invest in well-known, trusted brands

This is very important. New companies can buy their own shares to increase the cost of the share. This may mislead you to believe that, this company is doing good and you may want to buy some shares. Many investors fall for this trap, thinking I will buy the share now and sell it when the rate goes much higher. But in reality, those shares don’t worth a penny. It is always wise to invest in trusted brands. Get quotes here https://www.bestmedicaresupplementplans2019.com/medicare-supplement-plan-g-2019/ for plan G medicare supplements in 2019

Stop following your friend

You may trust your friend but in the stock market, you should only trust yourself and the research you do. There is risk involved in these investments. Don’t just invest because your friend said so. Your friend may have invested because someone else told him to. The stock market doesn’t stay as is. It is very volatile and can change at any time. Just research and invest on your own. Be open to suggestions but don’t just blindly follow it.

Don’t hesitate to ask for advice

If you think you know everything and can do everything on your own, you are going to have a hard time here. The stock market is a vast place and you will be lost in no time. It is always a good thing to read forums, ask the investment helpers online to invest your money in a potential company. Below is a link to the Reddit page dedicated to investing. You can learn a lot from this page or you can ask your questions.

Have a realistic goal

Having a realistic goal is very important. This is where many people fail. You can’t become rich overnight unless you win a lottery. Earning in the stock market is a long and persistent process. You should wait for the right time to buy or sell your shares to make a profit out of it. If you think you can become rich overnight or in weeks, then the stock market is not for you.

What is a real estate business and how to make money without investment?

What is a real estate business and how to make money without investment?

Real estate is simply a business of properties, which includes land and buildings. The term real estate is coined because land or building should be real, that means they should be physical, existing in the real world. They cannot be virtual or digital. If you are a person with an everyday job and want to make some extra money or a retired person who wants to continue earning, real estate is your best bet. There are different types of real estate business

Residential

Residential real estate includes homes. This includes categories like single rooms, One BHK, two BHK etc.

Industrial

This includes large structures such as warehouses and manufacturing buildings like factories or labs.

Commercial

Commercial real estate includes buildings for commercial purposes. This includes shopping malls, educational institutions, spa, hospitals, any commercial buildings. Flats or apartments are also considered as commercial buildings since they are a source of income. The flats or apartments can be listed in many real estate websites before even completing the construction. If you want to buy a home/building you can find the contact number of the owners or brokers then you can contact them. If you want to sell/rent your buildings, you can list your building on the websites.

Land

Land includes any vacant land. The rate and price of the land depends on several factors. Some of them are: where the land is located, which area the land is located, the type of land etc.

How to make quick money as a real estate agent?

If you are a young person who is looking to make some money or an elder person who want to continue earning even after retirement, real estate offers you a solution.

You don’t need to be a graduate or a Ph.D. holder to make money in real estate. The only skill you need to make money in real estate is talking and convincing skills.

You can work as a real estate agent and can help people to buy and sell properties.

There are two types of agents in real estate

Seller’s agent

Seller’s agents are agents who make a deal with property sellers and receive a commission when they bring buyers who actually purchases the property. Seller agents get a good amount of commission depending on the value of the property.

Buyer’s Agent

A buyer’s agent is an agent who helps the buyers find some good properties to buy. They receive a good amount of commission from the buyers after the purchase. If you want to make the highest possible money, you should be both seller and buyer agent. Most of the agents make a deal with a seller first and when they get a buyer, they show the property which they already know. This way you can get a commission from both the sellers and the buyers.

Tips to find a seller or a buyer with ease

Finding a seller

There are many websites to sell real estate properties. One of the well-known websites is 99acres.com. To find a seller, go through all the properties available on the website and open any of them to get the location and contact details of the owner. Once you get the contact details, talk to them and try to make a deal. Consider reviewing 2019 medicare advantage plans at https://www.medicareadvantageplans2019.org

Finding a buyer

Without any real estate office, finding a buyer is a tricky job. It requires some efforts. Before finding a buyer, you should at least find one seller. Once you find a seller, the trick is to list the seller’s property in the website with your contact address. If a buyer is interested in the property, he will directly contact you, who is an agent. You can show the listed property to the buyer. If the buyer purchases it, you can get the commission from both the sides.

How to secure your life after retirement

How to secure your life after retirement

Life after retirement will not be easy always. You might be an intelligent person who invested in some plans offered by the different institutions to have a happy post-retirement life or a person who never invested money on anything.

Below are some tips to have a happy life after retirement

Bring some changes in your lifestyle

After retirement, you would have lost your main source of income. You might have an alternative source of income of you might not. To have a happy life with the money you have saved in the long run, bring some changes to your lifestyle. Cut down your expenses if possible. After retirement, you can’t expect to live like before when you were earning. You should understand the differences between your needs and your wants. This will help you have a stable post-retirement life.

Pay all of your debts before retirement

It is one of the crucial steps to ensure that you have a peaceful post-retirement life. Paying debts after retirement will become very problematic. If you pay the debts after retirement, you may not have any money to fulfill even your daily needs. Be debt-free before the retirement to remove any financial headaches from the equation.

Explore different investment options

You are retired, it doesn’t mean that you can’t invest in anything. If you have experience in the stock market, it is a wonderful opportunity to earn more money to support your needs. Government and different financial institutions have come up with many attractive offers for senior citizens. Some of them include pension plans, high-interest savings account etc. Always try to explore a risk-free way to invest your money. Be sure to invest in some fixed deposit schemes for a period of 5 years or more based on your needs. Fixed deposit schemes can yield high returns. Explore plans for 2019 medicare advantage at https://www.medicareadvantage2019.org/

Health is wealth

The best way to take care of your health after retirement is to get health insurance. Nowadays, medication is becoming very expensive and hospital bills go above thousands of dollars in days. Getting health insurance is a win-win situation for you. Even though you have to pay some money for the insurance, it’s well worth it and will come in handy when you need it. Health insurance can cover your hospital expenses completely.

Be positive

Always think positive. Retirement is not the end. Spend time with your kids or go to that place where you always wanted to go. Cut down the unnecessary expenses as much as possible and make your dream come true.

Astounding Health Challenges of Aging

Astounding Health Challenges of Aging

Introduction

You work out. You eat right. You’re fit as a fiddle for someone your age. In any case, getting older can expedite medical issues as our bodies change. Not every person will get them. However, some therapeutic conditions turn out to be increasingly normal or progressively genuine after we get a couple of decades under our belts.

Here are few astonishing ways that age itself can present health challenges.

Influenza

When you’re more than 65, your immune system isn’t as solid as it used to be. Seniors make up the bulk of the general population who die or are hospitalized for influenza-related issues. Age raises the odds of chances influenza difficulties like:

  • Pneumonia
  • Sepsis (a bacterial disease in the blood)
  • Intensifying of lung and coronary illness

Weight Increase

You lose strength as you age. That makes it firmer to protection the pounds from crawling up. You likewise turned out to be less energetic. In the meantime, your body consumes fewer calories for the same physical exercises from when you were younger. You presumably realize that being overweight raises your risks for some conditions, similar to coronary illness, hypertension, diabetes, and stroke. Obesity and joint pain frequently go together for seniors.

Fragile Bones

Many seniors fear to fall. Advancing years can influence your parity and ensure on your feet. Falls can be particularly unsafe if you have osteoporosis. When your bones turn out to be not so much thick but rather more inclined to breaks and cracks. Ladies 50 and older are twice more probable than their male friends to break a bone due to this “weak bone illness.”

Cancer

Did you realize that age is the single greatest predictor of your chances of getting cancer? It bounces up after you hit 50 and above. Half of all tumours occur in individuals more than 65. For lung cancer growth, the middle age is 70. Researchers don’t know precisely why seniors are progressively defenceless to cancer. It could essentially be that you’ve been exposed to disease-causing operators for more. Or on the other hand, perhaps your body is less ready to influence fixes when cells to go haywire.

Despondency

It’s not an inescapable part of getting older. Actually, most of the seniors have depression. However, many discouraged seniors don’t get diagnosed. Seniors themselves and their specialists may reject any side effects as a characteristic response to diseases and life’s setbacks. Get a 2020 medicare advantage plan at http://www.medicareadvantageplans2020.org

Causes of Cold Feet in Senior Citizens

Causes of Cold Feet in Senior Citizens

Weather:

Under the influence of low air temperature, the blood becomes more dense, viscous. There is a reduction in the muscle fibers of the walls of blood vessels, resulting in disrupted blood flow. It begins to flow only towards the heart and liver, which are the most important organs for life. The same picture can be observed due to water imbalance in the body. In order to avoid serious consequences in cold weather, you should wear warm clothes and shoes. When the temperature of the air is high, you need to drink sufficient amount of water to prevent dehydration.

Lifestyle:

Cold feet can be the result of a malfunction of the organs of the cardiovascular system. In addition to the effects of low temperatures and lack of moisture, smoking, a sedentary lifestyle, constant stress, and diseases of the heart and brain vessels can lead to vasospasm. Hence, during the rehabilitation period, it is necessary to exclude nicotine and products containing caffeine, maintain a good mood, eat more vegetables and fruits. Following these simple rules will help get rid of cold feet syndrome.

Problems with the endocrine structure:

Due to issues like hormonal imbalance, a number of processes in the body get disrupted including the ones in your endocrine system. As a result, you may experience chronic fatigue and a feeling of constant freezing. To avoid hypothyroidism, it is necessary to consult a specialist in such cases.

Disturbed metabolism:

The constant feeling of coldness in the legs often haunts people suffering from a number of serious diseases, such as diabetes, Raynaud’s syndrome, varicose veins, obesity, which are accompanied by metabolic disorders. All of these issues require suitable treatment and close monitoring by doctors. If the feet get cold regularly, the person feels a clear discomfort. It may even cause cystitis, colds, lead to a violation of the recovery of epidermal cells of the lower extremities. If the feeling of coldness in the foot area is not a consequence of the influence of external factors, we recommend that you seek medical advice immediately.

Anemia:

Another reason for cold legs in seniors can be iron deficiency. In anemia, cold feet syndrome is one of the symptoms. It arises due to insufficient saturation of the epidermis and vessels of the lower extremities with oxygen.

Diseases of the spine:

Cold and numbness of the legs can be the result of pinching nerves in the spine, for example, sciatica and osteochondrosis. The skin of the limbs may also become pale or even become covered with sores. With pinching, there can be such a phenomenon: one leg becomes cold, while the other one remains warm. The patient may suffer from dry skin, painful sensations during movement, forcing him to limp when walking.

Wrong shoes:

In order to quickly and reliably rid yourself of the “icy” feet, it is often enough to simply replace the shoes with a looser and more comfortable one. Find a AARP supplement plan at https://www.bestmedicaresupplementplans2019.com/aarp-medicare-supplement-2019/

Can a Glass of Wine Delay the Aging Process?

Can a Glass of Wine Delay the Aging Process?

With the daily consumption of good wine in a moderate dosage (not more than one or two glasses), you can try to preserve memory and mental clarity until old age. According to the results of a long study, this conclusion was announced by experts representing the American universities of Maryland and Kentucky.

Scope of research

The study was conducted in the United States since 1948. This survey was attended by 619 elderly Americans – from 69 to 92 years old, who regularly consumed wine. Seventy-eight percent of study participants demonstrated a good state of memory and an exemplary ability to perceive new information. Twenty-two percent of the subjects did not find any particular positive changes. The protective effect was more clearly manifested in those who preferred to drink seven to fourteen glasses of wine a week throughout their lives.

Opinion of scientists

How can nutrition prevent premature old age?

Scientists found that the consumption of wine had a positive effect on the mental abilities of persons who did not have the e4 modification of the APOE gene (associated with Alzheimer’s disease). It is also true that the participants in the experiment, who for some reason suffered from gene variation, were distinguished by a decrease in memory. In such patients, the ability to learn decreased, although they practiced daily intake of wine. Paul Green, one of the authors of the study, summed up: without a doubt, a glass of a different wine per day is capable of removing the sharpness of aging.

Upper limit

Boston scientists are ready to agree with the conclusion of their colleagues, who, during their own research, were also able to conclude: you can ensure a decent quality of life for yourself if you drink two glasses of wine every day. At the same time, the upper limit was voiced – fourteen standard doses of alcohol per week. Women should not consume more than three doses per day, while for men, it should not exceed four doses per day. It is also worth noting that not so long ago an anti-aging cream with red wine components was created.

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Bladder Weakness in Senior Citizens: Causes, Treatment and Prevention

Bladder Weakness in Senior Citizens: Causes, Treatment and Prevention

Bladder weakness in women is quite common. The problem most often appears after the age of 50. The primary cause of incontinence is hormonal changes caused by menopause. Usually, involuntary discharge of urine at this age is observed when coughing, sneezing or performing physical exercises, during which intra-abdominal pressure increases. Bladder weakness in men occurs due to the development of prostate adenoma (an inflammatory process of the prostate gland).

A few other causes of this problem may include:

Atrophic urethritis (inflammation of the urethra)

Vaginitis (inflammation of the mucous membrane of the vagina)

Diabetes mellitus (insulin deficiency in the blood)

Arthritis (joint damage)

Heart failure (impaired myocardial function)

Symptoms of bladder weakness in old age:

Bladder overcrowding

Frequent urge to empty the bladder

As a rule, these symptoms are not accompanied by pain. Pain appears only if incontinence is caused by prostatitis or cystitis.

To treat bladder weakness, you should consult a urologist or a nephrologist. Based on the stage of development of the disease, the doctor may prescribe the implementation of special exercises aimed at strengthening the muscles of your body.

If the exercises do not help, then the patient may be prescribed medical therapy. Medications used for urinary incontinence :

Flavoxate

Propantheline

Oxybutynin

If the problem is caused by stressful situations, and not by accompanying diseases, then the below medications may be prescribed:

Duloxetine

Imipramine

Midodrine

Methoxamine

Ephedrine

Clenbuterol

In very rare cases, botulotoxin may be injected (purified by the toxin of bacteria). This drug blocks the release of acetylcholine – a component that causes involuntary muscle contraction. At times, surgery may also be considered. Note: Seniors with Medicare plan may receive coverage for the surgery provided it’s considered necessary by their doctor (who accepts Medicare assignments). Besides, they may also receive further coverage through Medicare supplement plans if the above condition is met.

Doctors conduct such operations to eliminate the below problems:

Cystoplasty (increase in bladder volume)

Neuromodulation (implantation of a pulse generator)

Home treatment:

In addition to taking medicines, people who suffer from a similar problem should limit the use of alcoholic beverages, strong tea, and coffee. It is also worth excluding all smoked foods, pickles, fatty and fried foods from your diet. Such food provokes irritation of the mucous membrane of the bladder, causing the urge to empty it. Get quotes at https://www.medisupps.com/medicare-supplement-plans-2019/

Also, it is recommended to drink as much liquid as possible (preferably plain water) to enhance the functioning of the kidneys. The fact is that concentrated urine contributes to the formation of stones in your body, which then leads to inflammatory processes in your bladder. Prevention:

It is recommended that older people should warm their legs and lower back to avoid hypothermia. It is also worth fighting constipation, as problems with defecation often lead to a weakening of the muscles of your bladder. Other preventive measures: Refusal to lift weights Compliance with the rules of personal hygiene Weight control

Arrhythmia in the Elderly: Types, Symptoms, and Diagnosis

Arrhythmia in the Elderly: Types, Symptoms, and Diagnosis

Arrhythmia types in the elderly:

In a healthy person, the frequency of contractions of the heart muscle is 60–80 beats per minute. In case of cardiac arrhythmias, an increase or decrease in the frequency of contractions is observed, which leads to interruptions in the working of this organ. Atrial fibrillation is the most common disease in older people, but there are still more than ten types of this disorder.

All types of arrhythmias are characterized by impaired contraction of the heart muscle, regardless of a decrease or increase in the frequency of strokes: Tachycardia is characterized by an increase in the frequency of heart contractions of more than 80 beats per minute. Manifested by a sensation of palpitations, rapid breathing, in some cases extraordinary extrasystoles and jolts.

Bradycardia is characterized by a decrease in heart rate to 60 beats per minute. It may occur due to certain medication or due to other heart ailments. Tachycardia and bradycardia occur in every person throughout their lives. A short manifestation of this condition does not indicate the presence of any heart disorder. But if similar failures recur frequently, and other difficulties are observed, this may indicate the presence of a serious disease and require a medical examination.

Arrhythmia in older people may show different symptoms depending on its type and the general condition of the person. Signs and clinical course of the disease do not differ in men and women most times. The main symptoms of arrhythmia in elderly patients are disorders of breathing and brain function.

Symptoms and signs of arrhythmia:

All signs of this disease in an elderly person are caused by physiological changes in the body due to cardiac abnormalities.

Men and women have common symptoms:

chest pain and pressure;

shortness of breath and rapid breathing;

feeling of heartbeat;

weakness, dizziness, fainting, faintness;

in some cases, women may experience convulsions and increased headaches.

When the above-mentioned symptoms are observed in an elderly person at an early stage of arrhythmia development, you can begin a course of treatment, change the diet, reduce physical exertion, which will help minimize the occurrence of complications.

How is arrhythmia diagnosed in older people?

For arrhythmias in the elderly, treatment is prescribed only after a full medical examination.

Possible measures include:

multi-day monitoring of the electrocardiogram;

laboratory blood test: UAC and lipidogram;

heart ultrasound;

ultrasound examination of the thyroid gland;

ECG.

The electrocardiogram is currently the most common and accessible method for studying the disorder. With the help of such a diagnosis, it is possible to obtain data on past diseases, the existence of pain syndrome, coronary disease, and the usual heart rhythm. In an ECG study, you can establish an accurate diagnosis and select a method of treatment: drug or cardiac surgery. Using an electrocardiogram, it is possible to determine the causes of arrhythmia in an elderly person and also the best possible treatment procedure.

About Medicare Supplemental coverage for older adults:

Also mentioned as Medicare supplement plans; found at https://www.medisupps.com/cigna-medicare-supplemental-insurance-2018/they pay for out of pocket healthcare expenses which are not a part of Original Medicare policy.