19. March 2019 11:48
by Ammelia
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Juvenile Life Insurance: The Whys and Hows

19. March 2019 11:48 by Ammelia | 0 Comments




As a parent, perhaps you’ve been able to check the critical financial boxes for your family. You’ve established emergency funds, secured life and disability insurance, and are on track with your retirement goals. You may wonder, is there anything else I could be doing to help my children?

This can be the time for parents and even grandparents to consider juvenile life insurance. It’s an often-misunderstood type of life insurance that provides protection for your children or grandchildren.

For some, the topic of juvenile life insurance evokes confusion and perhaps even fear. After all, why would one want to insure a perfectly healthy child?

Thankfully, the loss of a child is extremely rare. So while a juvenile life insurance policy does indeed insure against this very slim risk, some types of coverage are also designed to protect your child’s financial future—in a way no other financial product can.

3 types of juvenile life insurance

1) Juvenile permanent life insurance. This type of coverage is permanent, as long as premiums are paid, and typically accumulates cash value over the years, just like with permanent life insurance for adults. Juvenile policies are generally issued at the lowest rates available, and with limited underwriting. They’re owned by a parent or grandparent until the child is 18, at which point the now-adult insured (even if he’s still just a child in his parents’ eyes) can assume ownership.

Upon ownership, the insured adult child enjoys some distinct benefits:

Guaranteed insurability. Your daughter or son locks in a low rate and continued coverage—and can generally purchase more life insurance up to allowable limits. This may be the most compelling reason parents buy juvenile life insurance. Insurability is easy to take for granted when you have it. While most children are healthy, a future health concern could one day make your son or daughter hard to insure. This affects their entire family, who must find other ways to protect against financial vulnerability.

Cash value. The policy’s cash value grows tax-deferred over time, making it a reliable savings vehicle with some unique characteristics. If the cash is needed, the policyowner can access it through low-interest policy loans or outright withdrawals. The policy can also be surrendered for the cash value, typically minus a surrender fee.

2) Juvenile term life insurance. In contrast to juvenile permanent life insurance, juvenile term offers parents significantly less expensive coverage. However, term life insurance does not have a cash value, and only lasts for a specific length of time, such as 10, 20 or 30 years. Policyowners pay a level premium during the length of the term, at which point the term expires and coverage becomes more expensive, often significantly so.

Juvenile term coverage is typically available as a rider (basically, a coverage option) on a parent’s term policy. This rider typically lasts until your child reaches adulthood. You can often purchase coverage for all your children for the same price, with a single rider. In the event of the unexpected death of an insured, the policy’s death benefit can be used to cover expenses.

3) Juvenile group life insurance. Finally, some employers offer juvenile life insurance options through their group life insurance coverage. While convenient, keep in mind employee benefit programs can change at any time, and that in general, group life insurance can be hard or impossible to take with you if you leave your employer.

Remember, while you may have a lot of other priorities on your plate, juvenile life insurance can help create a bedrock of financial stability for your children as they come of age in an uncertain world.

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22. February 2019 21:17
by Ammelia
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WANT A FLAT STOMACH IN 7 DAYS? JUST DRINK THIS TWICE A DAY

22. February 2019 21:17 by Ammelia | 0 Comments

                                        

 

You are on a fat loss mission. With intense workouts and a strict diet, you lose fat from most parts of your body except your tummy. Sounds familiar? Join the club. Most people wanting to lose weight face the same problem. Burning fat from any part of the body is much easier when compared to the belly region. No wonder it’s called ‘stubborn’ fat. But, don’t give up yet as we have found a possible solution to flatten your stomach quickly. Curious much? Read on to know more.

Before we tell you about the magical drink that can burn your belly fat, first let’s understand why exactly it is difficult to lose weight.

WHY IS IT HARD TO BURN BELLY FAT?

 

When you binge eat, the first area that shows signs of weight gain is definitely your stomach. Not just poor eating habits, having a desk job can also easily add a few inches around your waist. Inactivity leads to muscle loss, which lowers your body’s capacity to burn calories. This is why you will notice the fat getting accumulated around your abdominal region. You might even start eating less and exercising more but to no avail.

A bulging stomach is not only an ugly sight but also spells danger as it could be a sign of heart disease.

Here are the reasons your belly is refusing to budge.

  • BOOZE

Drinking alcohol could be adding more calories than you can imagine. It widens your waistline. Now you understand why your stomach is called ‘beer’ belly?

  • AGE

A girl in her teens is more likely to lose weight quicker than a woman who has reached 30. The reason is simple. As you age, your metabolic rate goes down, and so does the body’s ability to burn fat. Hormonal imbalance and menopause translate to more fat around your tummy. So, if you are in a relaxed mode thinking you have a lifetime ahead of you to lose weight, this is a wake-up call.

  • EXERCISE

When you make a plan to workout, make sure you consult a fitness instructor. What worked for your friend need not necessarily work for you. Speak to a trainer who will recommend activities/exercises depending on your body type and its capacity. For example, a person with low hemoglobin cannot run as the heart takes double the effort to pump blood due to lack of iron in the body. So, it helps to know your body’s strength and weaknesses before starting any exercise. You don’t want to end up with another health issue, do you?

  • WHAT’S ON YOUR PLATE?

When you talk of belly fat, it’s more often than not linked to inflammation. If you are having too much of outside food or what’s called junk food like chips, aerated drinks, processed foods, it can thwart your body’s ability to burn fat around your belly. Always stick to natural foods as they have anti-inflammatory properties.

  • STRESS

Image: iStock

One of the leading contributing factors to weight gain these days is the rising levels of stress. Hectic work schedules, increased domestic responsibilities, the environment at home and work – all these can lead to an increased level of stress. How many times haven’t you reached out for a bottle of beer or a pack of French fries to get over your pressures? The comfort that these foods give will increase your emotional eating indulgences. Besides, the stress hormone cortisol is linked to visceral fat. The bottom line is to stay calm. Meditate, take up a hobby or your favorite sport to bring down your stress levels.

  • LACK OF SLEEP

The best way to lose weight is to get enough sleep. Lack of sleep leads to low energy levels that make you reach out for sugary stuff, which ultimately leads to weight gain.

  • ARE YOU HEALTHY?

When was the last time you did a complete body check up? Every person must get a full body examination done at least once a year. Your body’s requirement, ability, and condition change depending on what you eat and the environment. So, keep a check on the changes in your body. People with thyroid issues and Polycystic Ovary Syndrome (PCOS) are more likely to face difficulty in losing weight as compared to their healthy counterparts.

Now that you know why you are not losing weight, let’s take a look at the magical cure to lose belly fat. This is a simple solution that will drive all your weight loss worries away. So, all set to know what it is? Here you go…

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16. February 2019 12:31
by John
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11 Things You Should Know About Cobra Health Insurance

16. February 2019 12:31 by John | 0 Comments

What you don't know about COBRA could come back to bite you.

If you've lost or left a job and have employer-sponsored health insurance, you'll likely be offered something called COBRA. This extends your employer-sponsored health insurance for a period that typically lasts 18 months.

Here are 11 things you should know about COBRA coverage:

1. What is COBRA?

COBRA is a federal law designed to let you pay to keep you and your family on your employer-sponsored health insurance for a limited time after your employment ends or you otherwise lose coverage.

2. What does COBRA stand for?

COBRA is an acronym for the Consolidated Omnibus Budget Reconciliation Act, the federal law that also amended ERISA to enable temporary health insurance for people who have lost or left their jobs. The law took effect in 1985.

3. Who is eligible for COBRA?

People who qualify for COBRA include employees who have voluntarily or involuntary lost their jobs, had their work hours reduced, are transitioning between jobs, or have experienced a life-changing event such as a death or divorce. This coverage is available to covered employees, their spouses, their former spouses, and their dependent children. Each year, about 3 million individuals and families use COBRA benefits.

4. How will you learn about your COBRA eligibility?

You'll receive a letter from the employer or the health insurer outlining your COBRA benefits.

HR director at Seattle-based real estate developer Geonerco Management, warns that the six-to eight-page letter can be difficult to understand “because it contains all manner of mandatory government language." If you're having trouble deciphering that language, contact the employer's HR department or the insurer.

5. Which employers are required to offer COBRA?

Generally, COBRA requires that group health plans sponsored by employers with at least 20 employees (in the previous year) must offer employees and their families the opportunity to temporarily extend their health insurance in circumstances like the ones outlined above. State and local government agencies also fall under the COBRA umbrella. Some states have COBRA-type laws that apply to employers with fewer than 20 employees.

6. Which employers are not affected by COBRA?

The law does not apply to health insurance plans sponsored by the federal government, churches, and certain church-related groups. However, federal employees are covered by a law similar to COBRA.

7. How much does COBRA cost?

The cost depends on how much insurance coverage you received from your previous employer. If you decide to accept COBRA coverage, you'll pay up to 102 percent of the insurance premiums, including the portion that your employer used to pay. In 2012, the average COBRA premiums for a family plan totaled $15,745, plus the 2 percent fee.

For some, the steep increase in financial responsibility that accompanies a COBRA plan is not always realistic—especially when unemployed. The Affordable Care Act marketplace offers alternative coverage options that can be “a lot cheaper, particularly with tax credits,” says Ivan Williams.

8. What sort of benefits will you get under COBRA?

Once you choose COBRA coverage, you retain the same rights as an employee who remains with the employer sponsoring the insurance, Szymanski says. “That means that you must go through open enrollment, which may change insurance companies, benefits offered, pricing and coverage," he says.

9. What are some alternatives to COBRA?

If you reject COBRA coverage, your health coverage options include your spouse's health insurance plan, the federal government's health insurance marketplace, your state's health insurance marketplace, the government-backed Medicaid program, or a short term medical policy designed for gaps in health coverage. These alternatives may or may not cost less than COBRA coverage, so it pays to weigh all of your options.

One option that Szymanski doesn't recommend: skipping health insurance altogether. “Electing to go uninsured is almost always a very unwise decision, with lots of potentially catastrophic downsides and very little upside," he says.

10. What if you change your mind and decide you want COBRA?

If you are entitled to elect COBRA coverage, you must be given an election period of at least 60 days. If you decline COBRA coverage during the normal 60-day decision period, you must be allowed to rescind your coverage waiver. However, you must reverse your decision during that period, and your final decision will become permanent after the 60-day window closes.

11. What happens if you miss a COBRA payment?

Szymanski cautions that you must pay premiums (usually via monthly checks sent by regular mail) in a timely manner (often a grace period of 30 days) or your coverage will be canceled.

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12. February 2019 21:19
by Ammelia
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CAFFEINE-FREE TEAS FOR MORNING ENERGY

12. February 2019 21:19 by Ammelia | 0 Comments

Caffeine-free teas can be as tasty and effective as coffee, honest, our writer Giulia Mele (an Italian caffeine addict) discovered after testing out the 10 best caffeine-free teas for morning energy

The scent of coffee is a delightful ritual of my mornings that cheers me up even in those wintery blue London days, and by the way it’s THE thing that can wake me up.  I’m Italian you see and I drink single espresso without sugar, bring a mocha wherever I go, and I have never considered the idea of living without caffeine. What a test this was!

               woman-drinking-coffee-best-caffeine-free-teas-by-healthista.com-in-post-image.jpg

WHY CAFFEINE FREE?

  • Caffeine-free and herbal teas keep you hydrated, which helps your body and mind function on a higher level, boosting your performance and concentration at work

                 woman-stressed-best-caffeine-free-teas-by-healthista.com-in-post-image.jpg

 

  • Decaffeinated tea allows to reduce some of the potential problems associated with caffeine, especially risks of cardiovascular disease, like stroke
  • Both decaffeinated and regular teas are rich in natural phytonutrients called flavonoids, powerful antioxidants with anti-inflammatory and immune system benefits
  • Consumption of this tea results in good digestion, keeping your stomach healthy and giving you softer skin
  • Tea and especially coffee contain high levels of caffeine that can contribute to some negative effects such as insomnia.
  • Modulating coffee intake helps minimise symptoms of having had too much such as jitters, irregular heartbeat, anxiety and adrenal fatigue
  • Herbal teas can be found in so many variations and flavors and most of them contain traces of nutrients that support overall health.

              herbal-tea-best-caffeine-free-teas-by-healthista.com-in-post-image.jpg

So it happened, I had two tough weeks, crossing my fingers every morning and wondering if the tea of the day would work, and I had lots of fun tasting such a huge variety to find the ones I loved.

At the end of the two weeks I made it, sans caffeine. Here they are the 10 best caffeine-free teas for morning energy, you you want to skip the caffeine (or have less)

 

 

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10. February 2019 18:51
by Ammelia
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Buying Term Life Insurance in Your 30s

10. February 2019 18:51 by Ammelia | 0 Comments

It’s the best time to buy life insurance.

Okay, so maybe they don’t actually say that, but the point still stands: Life insurance in your 30s is often one of the most practical, impactful and affordable times to buy a policy. (And, it’s not a coincidence that our average Haven Term customer is in his or her mid-30s.)

Your 30s are riddled with numerous changes and responsibilities that drastically impact your finances.

Perhaps you just got married, had your first child, or bought a house. These are all significant life milestones that typically result in you having people in your life who rely on you and your income.

Why You Need Life Insurance in Your 30s

When you have people who financially depend on you, it’s time to get life insurance. Buying a life insurance policy in your 30s allows you to lock in affordable rates while you’re still young and healthy. It’s also a prime time to purchase adequate protection for the long-term.

#1: To Financially Protect Your Family

Many people are married and planning for kids by their 30s. It’s a decade where a lot can happen within a short period of time.

In buying life insurance now, even if you don’t have kids yet, you can help ensure that your spouse has a financial cushion from the unexpected. And, you will have peace of mind in knowing that your partner can cover many debts and day-to-day expenses if you were no longer around.

Financially protecting children you don’t have yet may seem like an abstract concept. However, the moment you lay eyes on your child, reality and the need to protect firmly takes hold.

But, you don’t have to wait until the day your child is born to get adequate life insurance coverage. Be proactive. Get it while you still have the luxury of a little something known as “spare time” (aka, life before kids).

#2: To Lock in Affordable Pricing

Because of the way life insurance premiums are determined, the early bird really does get the worm. Premiums for a term life insurance policy can be very affordable when you’re young but tend to increase with age. For example, a healthy 30-year-old woman can purchase a 30-year, $500,000 policy for about $34 per month. If she waits until 40 to buy a policy, the starting price for the same amount of coverage would be $53.

That’s part of the reason buying life insurance in your 30s is so smart – you’re old enough to need it but young enough to get a good deal on coverage.

#3: To Protect Co-Signers and Loved Ones From Debt

Adults in their 30's have, on average, anywhere from $82,500 to $185,900 in debt.

Mortgages, student loans, credit card debt, car loans – you name it, you may have this debt in your 30's. It’s imperative to ensure your family is financially prepared to cover these debts if you were no longer around.

Without a life insurance policy, your surviving family members might struggle to pay the mortgage or keep your car payments up-to-date. They may even need to quickly sell off these assets to get out of the debt.

No one would knowingly leave their family to struggle financially. A life insurance policy with an adequate coverage amount should account for replacing your income and paying off your debts.

#4: To Protect Your Business

If you have any business dealings on the side, life insurance is essential. Let’s say you buy and sell real estate for a profit. What would happen if you passed away in the middle of a deal? What if you flip houses for a profit? How would your family handle your project if you passed away during a flip or a major remodeling job?

Your family could face similar struggles if you run a small business that buys and holds inventory, has business-related debt, or has ongoing business expenses to cover. If you buy enough life insurance, on the other hand, you can leave behind enough cash so that your family could deal with your business holdings the way you would have wanted.

#5: To Cover Burial Expenses

Your funeral is not something anyone ever likes to think about. But for a moment, consider this: the average burial now costs around $7,000 to $10,000. Imagine your family members having to deal with that expense at the same time they are grieving your death?

If you didn’t have life insurance, your spouse or other immediate family members would need to come up with the cash to pay these expenses at the same time they’re grieving your death. Far from ideal.

How Much Life Insurance Does a Thirty-Something Need?

While individual life insurance needs vary, you can get a general sense of your coverage needs by taking a closer look at your income. If you’re earning $75,000 per year and want to replace your income for 5-10 years (a standard recommendation from experts), you’ll need a term policy for $375,000 – $750,000.

 

A life insurance policy should help cover:

  • Lost income and living expenses, like rent or daily bills
  • Debts you leave behind
  • Childcare if you are a stay-at-home parent
  • Burial, estate taxes, and other final expenses
  • College expenses for your children
  • Unpaid medical bills or taxes

If you have children, carry substantial debt, or have a side business, you may need significantly more. The best way to get a personalized coverage recommendation is to input your information into a life insurance needs calculator. By sharing some basic details about your income, your family structure, debts and more, you can find out how much coverage is right for you.

Choosing a Life Insurance Term Length

Term life insurance is a simple product to research and buy. Beyond selecting a coverage amount that works, you need to decide how long you want your policy to last.

Fortunately, you have plenty of options available to you, especially in your 30s. You can buy term life insurance coverage for 10, 15, 20, or 30 years depending on your needs. While longer policies tend to cost more each month, they do offer a longer span of coverage that may bring even more peace of mind. For example, a longer term length could help cover your 30-year mortgage or until the kids are projected to finish school.

Shorter term policies, on the other hand, offer short bursts of coverage meant for a particular need. For example, a short, 10-year business loan that you wouldn’t want your family to be stuck with. “Laddering” policies is a common way to help ensure adequate financial protection from life changes without needing to purchase another large, long-term policy.

Choosing a term length does not need to be a confusing task. An online life insurance calculator will take into consideration the ages of your children and debts you have to recommend a length that will adequately protect your family. On average, most of our Haven Term policyholders purchase coverage for 20 or 30 years.

 

The Easiest Way to Get Life Insurance

The best part about being a thirty-something is that you’re likely still in excellent health. If that’s the case, you may be able to get affordable life insurance without a medical exam (and at no additional cost for the convenience.)

Getting quality life insurance today is simpler than ever because of new online options for purchasing a policy. You can get an instant decision on eligibility and pricing and, if approved, start coverage immediately.

Don’t put off buying life insurance in your 30's because of fear of a confusing, time-consuming task. Thanks to modern technology, it’s easier than ever to get high-quality and affordable protection for the people you love most. Having complete peace of mind never gets old.

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2. February 2019 21:24
by Ammelia
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MOUNTAIN POSE YOGA WORKOUT

2. February 2019 21:24 by Ammelia | 0 Comments

                            

 

The mountain pose is one of the foundational asanas in yoga. An asana is a Sanskrit term for posture.

You’ll see it as a warm-up pose and part of a Sun Salutation Series or Surya Namaskara in Sanskrit. It is a sequence of 12 poses or asanas that is traditionally done in the morning, facing the rising sun, explains author, Krishan Kumar Suman, in the 2006 book.

This pose is deceptively easy. You begin by standing tall with a straight spine.  Your big toes should touch. But if you find it difficult, you can keep your feet apart slightly.

Keep your arms at your side with your palms facing outward. Hold the pose for at least 30 seconds, working your way up to a full minute.

The mountain pose will improve your posture and balance while strengthening the muscles in your lower body.

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22. January 2019 21:33
by Ammelia
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13 TIPS FOR GROWING LONG AND HEALTHY HAIR

22. January 2019 21:33 by Ammelia | 0 Comments

Last week I promised I’d share some of my “secrets” (they’re not secrets) as to how I keep my hair long and healthy. It’s something I get asked about a lot and sometimes I just want to say “IT’S EASY TO HAVE LONG HAIR, JUST STOP CUTTING IT” but there *is* slightly more to it than just ditching the scissors.

                            Top tips for long healthy hair

People will inevitably offer different advice when it comes to this sort of thing (“Get your hair cut every six weeks! No, get it cut once every six years! Condition it before washing! But not before you’ve made a mask out of avocados, honey and wishes!” Etc) but I can only speak from my experience of what works for me.

I’m not a hairdresser (although I have had the privilege of working with some of the best in the business) and my main experience of long hair is just, errr, having it. But I’ve had long hair for over a decade and I BLOODY LOVE LONG HAIR so hopefully a few of the tips below will be vaguely helpful.

I know that some of the points below will be non-negotiable for some women (avoiding coloring and avoiding heat especially!) so if you have to do these things then just be aware that they are inevitably damaging. You can, of course, have long healthy colored hair, but if you don’t want to ditch the bleach you’ll need to up the ante with conditioning treatments and so on. 

Here’s what I do…

1. Rarely use heat styling.

There are lots of heat protecting products you can buy these days but the protection they offer doesn’t compare to avoiding heat styling altogether. I straighten my hair perhaps twice a month at the most and when I do straighten it I make sure it’s completely dry before starting so I’m not “steaming” my hair.

I try to avoid drying my hair in general and whilst I may rough dry my hair once every ten days or so, I’ll rarely sit under the hair-dryer til it’s bone dry. Generally, after a shower, I just tie my hair up (wet) into a loose bun and let it dry naturally. (I am aware that for some people this would result in epic frizz!).

If you blow dry your hair every day then to cut back would probably feel really drastic, but if you can change when you wash your hair (at night rather than before work, for example) you may find it easier.

And of course, *always* use heat protectors on your hair before stepping near hairdryers, wands, curlers and straighteners! I really adore this Bumble & Bumble one (£20.50).

2. Only use thick fabric hair ties.

Hair elastics can put an enormous amount of stress on the hair, leading to breakage and even hair loss if you tie really tight. I only use thick fabric hair ties to put my hair up and I’ve noticed *such* a difference in breakage since I discovered them a couple of years ago. They don’t have any metal so individual hairs can’t get trapped and the thicker size means they’re much more forgiving on each delicate strand.

I pick them up wherever I see them and most recently have bought in Accessorize but they don’t seem to have them online. Claire's sold them in various colors though and on Amazon, they are ridiculously cheap. (£1.32 for 12 with free delivery!).

3. Only brush with a Tangle Teezer.

I assumed Tangle Teezers was a Dragons’ Den gimmick item until one was used on my hair in a salon six or so years ago. I bought one there and then and haven’t looked back. In fact, when I forgot mine on honeymoon (A MISTAKE I HAD NEVER MADE BEFORE NOR SINCE) I genuinely contacted local suppliers to see if there was *anyone* who could get a Tangle Teezer to Mauritius before I shaved my head in a comb-induced rage.

You have to try a Tangle Teezer to appreciate how gentle they are but if you have a lot of hair – be it because your hair is thick or long – then trust me when I say a Tangle Teezer will prevent your hair from going through a lot of unnecessary damage and breakage.

4. Brush hair in sections STARTING WITH THE BOTTOM.

Regardless of what you use to brush, it really makes a huge difference to your hair if you brush it in sections, starting from the bottom and only working your way up once any tangles at the mid-lengths and ends have already been dealt with. Brushing top down from the get-go will only make your hair more tangled and damaged.

5. Don’t bleach or color your hair.

I have regularly wanted to colour my hair and have had consultations about it only to be told that I will have to sacrifice the length if I want a new colour. Bleaching is not good for your hair – that’s just a fact – and whilst you do see blonde girls with long luscious locks, it’s not an easy thing to achieve. If you want to hit the bottle you need to be aware of just how much more care and attention your hair will need.

It can of course be done, but if you have fine hair then a drastic change of colour – especially if you’re going lighter – will require a lot of TLC to maintain. Don’t be fooled by celeb pics of long and healthy bleached hair (or at least be aware that they probably have a live-in hairdresser!).

6. Protect your hair from the sun.

It’s really easy to forget to protect your hair from the sun but if you’ve ever felt your hair whilst sunbathing on holiday, then you’ll know how incredibly hot it can get. I *always* protect my hair with a UV product in the summer and I haven’t yet found a product I like more than label.m’s Protein Spray. 

Yep, I’ve mentioned Protein Spray approx 100 times before in videos and on the blog but it really is a fantastic product for protecting from heat and the elements. Oh and it smells like HEAVEN.

Of course in the midday sun you should really protect your hair (and face!) with a wide brimmed hat, but I am not ready to morph into my mother and tell you that just yet.

7. Either trim regularly or be prepared to take off a decent amount when you do get a haircut.

There are two camps when it comes to growing hair – those who say you need to trim regularly for your hair to grow and those who say just leave it for as long as possible. I fall into the latter and I don’t get my hair trimmed regularly,  but I did have about six inches off.

I can “get away” with leaving my hair for a longer time between cuts because of the fact I do all the other things in this list, but you’ll be able to tell when your hair is looking scraggy or you need a cut simply to bring some shape back into your style again.

Once your hair *does* look like it needs a cut, don’t delay it or split ends can lead to breakages which is the opposite of what you want for long healthy hair. And always take off at least the minimum amount your hairdresser advises, there’s no point only asking for half an inch off and expecting it to be healthy.

8. Use decent products to wash your hair.

Perhaps this goes without saying, but find the right hair products for you and *your* hair. Everyone is different, (If you don’t want to watch the video just read the text in the video description for a list).

9. Treat yourself to hair masks.

I’d like to say I use a mask every week but it’s probably more like once every ten days. Yep they smell heavenly and leave your hair superbly soft, but the long lasting effects are important too and a decent mask really will make a noticeable difference to your hair’s overall condition.

10. Protect hair when swimming.

If you swim in chlorinated water, you *need* to protect your hair. Swimming caps aren’t for protecting your hair, they’re for keeping hair off your face and making your stroke more streamlined. Before putting your swimming cap on you need to saturate your hair with freshwater as this will help prevent your hair from absorbing as much chlorine, then at this point you can also put in a protection creme or a leave-in conditioner.

I rarely bother putting a special product in to be honest, but I *always* make sure my hair is really wet with fresh water from the showers before I step foot in the pool.

11. Don’t wash hair everyday.

If you do a lot of sweaty exercise then I can see why this wouldn’t be an option, but as somebody who obviously doesn’t spend much time working up a sweat (lol) I only wash my hair a couple of times a week. When I do wash it I always shampoo twice to make sure my scalp is super clean. I also only use warm water rather than searingly hot water. A healthy scalp is important for healthy hair.

12. Don’t be tempted by extensions.

I’ve never had hair extensions, but I know enough people who have had them and seen enough dodgy disasters to know that they’re a bad idea if you want to grow your own hair.

If you really can’t grow your own hair then I can see why extensions would be alluring, but just remember that shortcuts nearly always come with pitfalls. It’s no different to nail extensions or eyelash extensions, inevitably some damage will occur to what’s naturally there to allow the extensions to stay in place.

13. Make sure you’re in good health and getting the right nutrients.

If your hair is thinning or breaking more than what’s normal for you, it’s always worth investigating with a doctor in case something else is going on. All sorts of things can cause problems for your hair, from thyroid issues to anaemia to fungal infections.

I take omega 3 supplements because I’m vegetarian and I’m always very aware that I miss out on the fatty goodness that most people can get by eating fish.

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22. January 2019 21:29
by Ammelia
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HOW TO LIVE A HEALTHY LIFESTYLE

22. January 2019 21:29 by Ammelia | 0 Comments

It is common sense that a healthy lifestyle will make you feel better and simply live longer, but why does a healthy lifestyle make you healthier?

How to live a healthy lifestyle so you can enjoy all it’s benefits?This article speaks about that!

Your body is a complex set of systems that strive for balance. When your body is in balance you feel good and are healthy. Each system must work in harmony for you to be at your optimum health. When your body is out of balance you not only feel bad, but you are more susceptible to illness and disease. One of the biggest benefits of a healthy lifestyle is maintaining this balance and following good habits.