Are you planning to dip your hands in your 401(k) and borrow from your retirement funds? As a part of 401(k) loan basics, you should look at this option and try to avoid any mistakes that might make this option costlier than it should be. Here is a list of some of the most common mistakes and misconceptions with regards to 401(k) loans. Delay your savings for retirement When repaying their 401(k) loan, many borrowers lower their contributions to the 401(k) account. If you use the entire retirement period of five years, this can be quite a setback. Remember that when you make lower contributions, the company’s matching contributions also lower down. This means you would just be delaying your retirement savings. Also, there are instances when your plan might require you to first repay the loan in full before you make any further contributions to the 401(k) account. In case your plan demands you to first repay the loan in full before you make any further contributions, you can always open up a traditional IRA for saving money. Not understanding the early tax distribution With borrowing loans comes the chance of defaulting. If you are planning to apply for a 401 (k) loan or have already taken one, you might not want to default the loan no matter what.

When it comes to different types of liquid assets, exchange-traded funds (ETFs) are quite a popular choice among investors. ETFs are a type of mutual fund that offers the convenience of investing in a wide range of securities through a single transaction. Apart from the diversification involved, ETFs also give you the benefits of stocks. They can be bought or sold at any time during trading hours. All these aspects make ETFs quite a promising investment avenue among the different types of liquid assets available. ETFs are a valuable investment option for institutional investors who can utilize these investments to enter and exit from positions quickly, especially in scenarios where cash is needed urgently. Now that you have a basic idea of ETFs, let’s look at its types. Fixed-income funds Financial professionals recommend that you invest a part of your portfolio in fixed-income securities like bonds and bond ETFs. Bonds decrease a portfolio’s volatility and simultaneously provide you with extra income. Equity funds Equity ETFs perform as per the market scenario. If you plan to invest in these, you need to determine your objective: are you looking for value investing or growth investing? After you understand your objective, select the appropriate ETF to meet your goal.

Spinal muscular atrophy (SMA) is a serious disease that is hereditary and involves the loss of motor neurons, which are basically the nerve cells that control voluntary muscle movement. SMA is unfortunately not completely curable but there are a few treatment options that can be done to prolong the lifespan of patients with SMA. Physical therapy or physiotherapy and rehabilitation are some of the treatment methods used to fight SMA in the following ways: 1. Physiotherapy and SMA Physiotherapy is something that concentrates on movement. This treatment options for spinal muscle atrophy involves a physiotherapist who designs an exercise program that is tailored to suit the patient’s needs in order to improve posture, prevent joint mobility and slow muscle weakness. Exercises that involve strengthening and stretching exercises may help reduce spasticity, improve circulation and increase range of motion. In some cases people may require further therapy for speech, swallowing and chewing difficulties. 2. Occupational therapy and SMA A session with an occupational therapist might also be necessary, as the therapist may prescribe the use of assistive equipment like wheelchairs for mobility, limb orthotics or braces and other devices that can help make the daily life of the patient much easier.

We can all agree that smartphones have a huge influence on almost all our decisions. Our dependence on these devices is growing by the day. Smartphones have successfully managed to make our lives much more convenient by introducing many great features. Right from booking a cab to ordering groceries, these gadgets can do so much. Based on the features and services that smartphones provide, it is no surprise as to how smartphones benefit health. However, there are a few who are not quite convinced of how these devices are useful to our health. For those who are looking to get some information, here is how smartphones benefit health. Seamless healthcare communication There is no doubt in the fact that smartphones have managed to bring about a significant improvement when it comes to the communication between a patient and healthcare services. Earlier, people would struggle to get in touch with their healthcare service. Now, the patient can stay in touch with them 24/7, thanks to smartphones. They can set up emergency contact numbers, speed dials, and use apps for health-related information. This facilitates improved health conditions with no delays and better communication. Accessible medical history  Healthcare services need to be aware of a patient’s medical history before treating and prescribing any kind of medicine.

Having a company vehicle is of utmost importance for many reasons. This includes being able to make timely deliveries of goods and services, sending employees on important client meetings, and doing creative marketing of your brand. Now, as a new business owner, you might wonder whether you should buy a car or lease it. To help you out, here are the pros and cons of financing vs. leasing a vehicle for you to consider. Four considerations for financing a vehicle for business: Pros If your company owns the vehicle, it can be used as a fabulous marketing tool. You can paste the company logo, contact details, and products and services on the body of the car. What better way to advertise than on moving wheels? At the end of the loan tenure, you can sell the car or trade it in and get some value for it. Cons A higher mileage can substantially reduce the value of the car when it comes to reselling it. Additionally, when cars are purchased for a business, chances are that they will be driven often. Financing your car usually requires a down payment. If you are just starting your business, arranging this kind of money might be a huge concern for you.