Bear markets can be devastating for many, as you may have heard from people who have survived the horrors of 1973-75, 2000-2002, or 2008. However, if you’ve survived one or more of these bear markets, you will know that these markets do not last as long as bull markets do. The only things that matter are how well you have maintained your portfolio and how diverse it is. In fact, many investors see a bear market as an opportunity to invest in stocks that will matter in the long run and establish the foundation of their portfolio. The following are some important tips for stock investors to help you earn good returns in a bear market: Find the right companies to invest in In a bear market, the stocks of good companies, as well as those of loss-making organizations, go down. The stocks of some companies will not be able to resurface, while those of good companies will come up shortly, as the company has planned for such a scenario. Take it as an opportunity to invest in suitable organizations so that you earn good returns in the long term. Look for companies that pay a dividend A dividend is received from the net income of a company, while the price of the stock is dictated by buying and selling in the stock market.

Be it for your retirement, wedding, or college fees, money is required at all stages in life. While it can be earned easily at some stages of life, it can get a little tricky at other stages. One such point in life is when you need money for your college tuition. Of course, you can go for student loans to pay for your education, but this requires a lot of money, time, and patience. Alternatively, you can work along with attending classes, but this can get cumbersome. It can often be impractical as well, so this recommendation is usually not taken by many students. However, there are other ways for students looking to collect savings for college without having to work: Unplug electronics and save energy Although this might seem like a very basic tip, it can be very useful for students in saving money for college. Turning off the lights and unplugging electronics saves a lot of energy. Simply walk around your home or apartment and check whether any electronics or appliances like coffee makers, laptop chargers, or geysers are switched on. If so, switch them off. Doing this for some time will help you see a lot of difference in your utility bill and help you save money for other things like your college tuition fees in turn.

One of the added advantages of retirement is the number of benefits available in the form of tax breaks for retirees and seniors. There are several provisions available for retirees like tax credit and lower deductions, as compared to the younger generation. This makes financial planning for retirement and later years more manageable. When it comes to tax breaks for retirees and seniors, one of the biggest advantages is in the form of deductions. There are two options available: standard and itemized deductions. Through the following questions, we will be taking a look at both to decide which one is more suitable. What is a standard deduction? There is a certain standard deduction set by IRS for all tax-payers, wherein a portion of their income is not subject to any taxes. This helps in the reduction of the total tax bill. For seniors, there is a higher standard deduction available as compared to others. What are the pros and cons of a standard deduction? As per the current rules, seniors can go for a standard deduction on a smaller base of income as well. So, adding up the new standard deduction to a regular deduction will help them save up a lot of money as opposed to itemizing the deductions.

If you are a newbie to the ketogenic diet, you could be making some basic mistakes that could very well prevent you from achieving ketosis. Knowing all the dos and don’ts will help you follow this diet quite effectively and hence achieve the results that you are looking for in the diet. Preparing a keto food list is the most important job and in order for you to be able to do that, you will need to know what foods you can and can’t eat. Let’s scroll down to get a look at the food items that are dos in the keto diet: Meat Fresh meat that has been unprocessed and is low in carbohydrates is definitely keto-friendly; organic and grass-fed meat is considered an even healthier option for you. As keto diet is a diet high in fats and not in protein, you will need to remember that you actually don’t need huge amounts of meat in your diet. Getting into ketosis can be harder for most people as excess protein can be converted into glucose, and this can hinder the weight loss process, especially if you are just starting out on the diet and you have high levels of insulin resistance.

When a student moves to their college apartment for the first time, their humble abode holds a special place in their lives. They want it to be comfortable and stylish. Realistically speaking, the look and feel of the place that they wish for their apartment can only be achieved with good furniture. Thankfully, when you are in college, there are multiple options to choose from when it comes to getting furniture for your apartment. The two main options would be buying and renting furniture. This leads to students considering the pros and cons of buying vs. renting furniture for their home. To help you out, here are some pros and cons of buying vs. renting furniture while you are studying away from home. Buying furniture Pros You own it If you have the funds, you should always opt to buy new or even refurbished furniture for your new apartment. By doing this, you are investing in your future. Furniture has a long shelf life. In all probability, it will be with you for years. So, once you are done with your college life and move into a bigger apartment, you will not have to invest again by buying new furniture.

You may have come across the term reverse mortgage at some point and probably wondered what it meant. A reverse mortgage is a popular means of getting funds for senior citizens who have completed 62 years of age or more and who are looking for an alternative to traditional loans or other sources of borrowing. If you are done planning on taking a reverse mortgage, you must remember to get your facts right as you do not want a crucial financial decision such as this to be a huge mistake. To help you make up your mind, here are some of the basics of a reverse mortgage for you to note. Counseling is a must for a reverse mortgage A reverse mortgage should not be taken just because the option is available. It is important to seek financial counseling to know whether it will prove to be the right solution for your needs. If you already have many loans and debts, a reverse mortgage can push you deeper into financial problems. A counselor will be able to tell you if a reverse mortgage is good for you or not based on your credit history. Report scams if you come across them Never trust anyone who calls you and offers to help you with taking a reverse mortgage.

A common problem faced by both men and women is hair loss. Hair fall and loss can cause low self-esteem and other emotional issues. Beautiful, shiny, silky hair boosts self-confidence and gives an attractive personality. Just following a hair regime of oiling, conditioning, and shampooing, one cannot maintain healthy and lustrous hair. It is very important to include healthy foods into one’s diet to help prevent and reduce hair loss problems. Natural treatments to combat hair loss include foods with the nutritional value that will help in maintaining healthy hair. Green leafy vegetables One of the main causes of hair loss is the deficiency of iron in the body. Natural treatments to combat hair loss include green leafy vegetables into one’s diet. Leafy vegetables like spinach, kale, and cabbage contain high amounts of iron nutrient in them which helps in preventing hair loss problems. Regular intake of greens helps in maintaining healthy and lustrous hair. Lentils A great source of protein, iron and folic acids, the intake of lentils helps in boosting the red blood cells which improve oxygen supply to the hair follicles and help in promoting healthy and strong hair. Carrots Vitamin A, phosphorus, potassium and antioxidants present in carrots help in reducing hair loss problems.

As a pet owner, you might often wonder whether essential oils are beneficial for animals. There are many things consumed and used by humans that are not suitable for dogs and cats. However, this is not the same with essential oils. These oils, on the other hand, offer natural solutions to certain problems experienced by pets, both dogs and cats. These oils can help to prevent flea and tick infestations, soothe anxieties and more. However, there are several factors to consider before using essential oils for pets. So, here is a list of things to know with regards to essential oils for pets. Choose the Right Essential Oils Among the factors to consider before using essential oils for pets, the most important one is choosing the right oil. As a general rule, lavender is a safe option because it is the most useful for making pets feel safe. At the same time, lavender oil helps with allergies and burns, insomnia, car ride anxiety, etc. Dogs, especially, love the essence of lavender. Lemongrass and citronella are among the other safe and effective essential oils for pets. They are necessary ingredients in most sprays that are used to protect against fleas and ticks.

As your cat grows older, its nutritional needs and digestive capacities change. You cannot keep feeding it the same amount and the same kind of food and treats you offered before. Food plays a very important role in determining the health of your cat. If you are looking for tips for buying healthy cat treats, you are in the right place. Check out all these points to ensure you pick up treats that are healthy, tasty, and nourishing for your senior cat. Choose Protein-rich Treats Senior cats are not as physically active as younger ones and hence there is a high chance of them getting overweight or obese. In such cases, offering them calorie-dense treats are a bad choice. Instead, look for treats that are rich in proteins. Proteins are needed for the maintenance of muscle mass and these also offer fewer calories in total. This is one of the most useful tips for buying healthy cat treats that you should always keep in mind. Avoid Harder and Denser Treats Another of the many tips for buying healthy cat treats is to avoid picking hard treats that need considerable effort to bite and chew. As cats age, their ability to chew reduces considerably.

Just like the bodies of human beings, the bodies of pets are also designed to respond negatively to food that they consider harmful to the system. The reactions include itching, redness of the skin, vomiting, diarrhea, and abdominal pain. These symptoms can occur anytime between a few minutes after consuming a particular type of food to up to 48 hours. As a responsible pet owner, it is your duty to watch for the symptoms and triggers for food allergies in pets and to stay alert every time you offer your pet a new kind of food. Listed below are some of the symptoms and triggers for food allergies in pets. Beef One of the most common types of food that causes the symptoms of food allergies in pets is beef. Vets treat dogs with beef allergies multiple times a week, and if your dog loves meat, make sure you do not feed it raw beef that can trigger an allergic reaction. Offer different kinds of meats over the week to reduce the chances of allergies. Dairy This is one type of food that both dogs and cats are largely allergic to. Dogs and cats have systems that find it difficult to digest lactose in dairy products such as yogurt, milk, and cheese.