Resolutions can be split into necessary and optional categories.
Along with better health, better finances can be your goal for the new year. Making smart financial decisions can help you better manage your income and expenses. Also, it is important that you invest your money in avenues that will grow with time to protect yourself from inflation. We have listed 4 financial resolutions for the New Year that you can consider below.
Financial resolutions to improve your financial healthHere are simple and achievable financial resolutions for the year 2024 you can set for yourself:
Your credit score is one of the most important factors in deciding whether a lender will lend you money or not. The higher your credit score, the better your chances are of securing a loan. This score is usually a three-digit number that represents your credit history. Your credit history comprises previous debt payments such as paying credit card bills, paying loan equated monthly instalments (EMIs) etc.
For loans where pledging of security is not required, the lenders evaluate your credit score and credit report. Therefore, it is very important that you increase your credit score. Financial services companies that offer credit cards or loan may pass on your debt information to credit information companies. Based on the pattern of your debt payments, these companies then determine a credit score.
With a higher credit score, you can apply for a higher credit limit on a new credit card or loan account. Also, you can negotiate for a lower interest rate. Essentially, you shall have an easier time obtaining a loan with high credit score.
Keep tabs on your credit score at regular intervals for free with SBI General Insurance.
With mutual funds, a fund manager collects money from several investors and invests that money on your behalf. Investing in mutual funds is easy and you can do so using the systematic investment plan (SIP) feature. SIPs allow you to invest smaller amounts at regular intervals into your preferred fund. You can start SIP mutual fund investments with amounts as low as ₹500 at weekly, monthly or half-yearly intervals.
You can choose from a wide range of mutual fund offerings. Some common funds are explained below:
Equity mutual funds: These funds invest in company stocks and have the potential to generate good returns. However, such investments come with market risks.
Debt mutual funds: These funds invest in schemes that pay a fixed amount of interest to the investors. Liquid fund is a type of debt mutual fund wherein the invested funds can be withdrawn at any time.
Hybrid mutual funds: These funds invest in both, company stocks and fixed-interest schemes.
You can invest in a mix of equity and debt funds to balance the risks and potential returns.
Consistently saving money now allows you to enjoy a better quality of life in your later years. However, the value of money decreases with time due to inflation. Inflation is the rate at which the price of goods and services increase. One way you can battle inflation is by investing in stocks.
A stock is a type of investment wherein you invest money in a company. Through stock market investments, the company can raise money to fund various costs required to run the business. If the company makes profits, the stock price tends to increase. The difference between the stock price at the time of purchase and the price at the time of sale is your profit and the buying and selling of stocks happen in a stock market. Depending on the number of buyer and sellers for a particular stock, the stock price can rise or fall. This is known as market risk.
You can potentially reduce the market risk by staying invested for longer durations. Investing in stocks of different companies and sectors instead of adding all your eggs in one basket can also help minimise the risk. Plus, staying invested for longer allows you to save up money for funding your needs and wants during retirement. Note that you can only reduce the market risk and not eliminate it completely.
Since inflation also impacts healthcare, investing in your health should be one of the most important financial resolutions for the year. To cope up with the rising medical costs, you can invest in health insurance. It acts as financial protection against medical uncertainties. With health insurance, the insurance company promises to cover certain medical costs up to a certain specific limit known as the sum insured.
Health insurance covers medical costs associated with a wide range of diseases and conditions. These costs typically include hospitalisation, medication, diagnoses and consultation fees, to name a few.
Health Edge from SBI General Insurance is a truly digital health insurance offering that comes with 9 basic covers. This policy offers a maximum sum insured of ₹25 lakh which you can restore without any limit if you opt for the unlimited refill benefit add-on. You can opt for individual plans or share the sum insured with your family members with the family floater plans.
With the Health Edge policy, you can receive cashless treatments at numerous network hospitals. The plan covers in-patient hospitalisation, day-care treatments, medically-necessary bariatric surgery, advanced procedures, among others.
With our completely digital buying process, you can purchase Health Edge online. You can also choose from 18 optional covers to customise your Health Edge plan as you desire. For a stress-free insurance buying journey, Health Edge’s bundled add-on covers should definitely be considered. Additionally, you can save money by opting for longer policy tenures or by purchasing individual insurance for your family members.
Download the SBI General Insurance app to manage your Health Edge policy on-the-go.
Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.Check out: https://www.sbigeneral.in/blog-details/four-facts-about-health-insurance-to-learn-from-cricketer
6 Healthy Habits For Families
The key to long-term health is to get the entire family involved. Right from making healthy food choices to leading an active lifestyle – incorporating healthy habits in your daily lifestyle can be simple and practical when everyone in the family is working towards the same health goals.
Over here we discuss 6 healthy habits for families. You can add these habits into your daily routine to ensure your family’s good health.
6 Healthy Habits for Families
Eating a healthy diet, together as a family
The easiest of all family eating habits to cultivate is eating together. In today’s hectic world, eating together may be a challenge, but it’s worth making the efforts. There are several benefits of eating together. Eating together will help everyone in your family stick to scheduled meal times. Combine this habit with a healthy diet. Make a variety of healthy food choices, preferably food made at home so that family members, especially children do not look for junk food.
Make meal prep a fun activity
For family health benefits, it is essential to lead by example.Make healthy food choices so that your children can follow suit. A great way to promote healthy eating habits is to invite your children to be part of the cooking process. Help them choose the recipe and shop the ingredients. This will go a long way in inculcating healthy food choices in children.
Have no-phone zones
Apart from instilling good and healthy family habits and practices with regards to meals, it helps to turn meal hours into exclusive family hours with no interruptions. Having no phone zones at the dinner table and in the bedroom can encourage your family members to get moving and spend less time sitting. Encourage your kids to play outside. Planning fun activities like play board games and treasure hunts with your children can prove to be highly rewarding.
Be more active as a family
Staying active as a family doesn’t have to be boring! You can let every family member choose one activity for every week. From taking strolls to doing yoga together, from biking to swimming, many fun-filled activities can help you and your family burn some calories, relieve stress, while forming healthy family habits and practices.
Practice hand hygiene
As a family, make sure everyone follows hand hygiene. Wash hands after going to the restroom, before preparing food, after touching a pet, changing a diaper, blowing your nose, coughing, or handling garbage. You can also make a 20-second song so that children thoroughly wash their hands.
Do not skip medical tests
The importance of keeping track of your health cannot be emphasised enough. By undergoing regular medical check-ups you can help your family make informed health care decisions. It can help you catch health problems in the early stages and make lifestyle changes accordingly. Do include dental and eye checkup for yourself and your children in the annual medical checkup. To reap family health benefits, it’s important to take the right precautions, at the right time and make the right changes to avoid the most common health illnesses
Why is family insurance a must?
Illnesses don’t come knocking on the door. So, it only makes sense to have a backup plan in case you or your family member falls sick or needs hospitalisation in case of an accident or a health condition. With medical expenses skyrocketing, a health insurance policy is the best protection cover for a family. A comprehensive health insurance plan will give you that peace of mind regarding your family’s health and your financial well-being.
Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.
10 Worst Diseases That Smoking Can Cause
Smoking causes diseases but it is one of the most preventable causes of death worldwide. Every puff of a cigarette exposes the body to many harmful chemicals which can cause serious health problems. As awareness of these risks increases, so does the importance of having a reliable health insurance plan to help manage the financial burdens associated with these diseases.
12 Foods With More Vitamin C Than Oranges
Vitamin C, also known as ascorbic acid, is an essential nutrient that plays a vital role in maintaining overall health. It is a powerful antioxidant that helps protect cells from damage caused by free radicals. Additionally, vitamin C is crucial for the growth, development, and repair of all body tissues. It aids in the formation of collagen, absorption of iron, and the proper functioning of the immune system.
20 Foods High in Vitamin A: A Guide to Boosting Health Through Diet
Vitamin A is a vital nutrient that plays a key role in maintaining overall health, supporting vision, immune function, skin health, and more. As a fat-soluble vitamin, vitamin A exists in two main forms: retinoids (found in animal products) and carotenoids (found in plant-based foods). Retinoids are readily usable by the body, while carotenoids must be converted into the active form of vitamin A.
Given its essential functions, maintaining adequate vitamin A levels is crucial for both adults and children. A deficiency in vitamin A can lead to significant health problems, underscoring the importance of including vitamin A-rich foods in one’s diet. This article explores the various sources of vitamin A, recommended intake, health benefits, and how to prevent deficiency.
What is Vitamin A?
Vitamin A is essential for several physiological processes. It is found in animal-based foods such as retinol and in plant-based foods as beta-carotene, which the body converts to vitamin A. Recommended daily intake levels differ based on age and gender. Adult men require approximately 900 micrograms (mcg) of vitamin A daily, while adult women need about 700 mcg. Pregnant and breastfeeding women generally require higher amounts to support foetal and infant development.
Role of Vitamin A in Health
Vitamin A is associated with various health benefits, from antioxidant protection to immunity. Below are some of its primary roles:
1. Antioxidant Protection: As an antioxidant, vitamin A helps prevent cellular damage from free radicals, which can lead to chronic diseases and ageing.
2. Immunity: Vitamin A is crucial for maintaining immune function, and enhancing the body’s response to infections.
3. Eye Health: Known for promoting good vision, vitamin A helps prevent night blindness and age-related vision problems.
4. Skin Health: Vitamin A supports skin health by promoting cell growth, reducing wrinkles, and addressing acne concerns.
5. Organ Functioning: It aids in the proper functioning of the heart, lungs, and kidneys.
6. Reproductive Health: Vitamin A plays a role in reproductive health and foetal development, making it essential for pregnant women.
7. Foetal Development: It is critical for foetal tissue and organ development during pregnancy.
8. Teeth and Gums: It contributes to healthy teeth and gums, supporting oral health.
Also Read: 6 Key Pregnancy Care Tips You Should Know
Animal Foods High in Vitamin A
Animal-based foods are an excellent source of preformed vitamin A, which is easily absorbed by the body. Here is a vitamin A foods chart showcasing some common animal-based vitamin A sources.
Name | Particulars |
Liver (beef, lamb, chicken) | Extremely rich in vitamin A; 100 grams provide more than 6 times the daily requirement |
Cod Liver Oil | A tablespoon provides up to 4,500 mcg of vitamin A |
Dairy Products (Milk, Cheese, Butter) | Source of vitamin A in moderate amounts, especially whole milk products |
Eggs | Egg yolks contain around 140 mcg per 100 gms |
Fish | Fatty fish is a good source of vitamin A, particularly retinol. |
Shellfish | Provides moderate amounts of vitamin A, along with other essential nutrients. |
Vegetables High in Vitamin A
Vegetables, particularly those that are orange, yellow, or dark green, are rich in carotenoids, which the body can convert to vitamin A. Here is a chart listing vegetables that are vitamin A high foods.
Name | Particulars |
Sweet Potato | Contains around 1400 mcg per medium potato, providing well over the daily recommended intake |
Carrot | A single large carrot offers about 1,000 mcg of vitamin A. |
Spinach | Once cup cooked provides approx. 943 mcg |
Kale | A cup cooked provides approximately 943 mcg |
Red Bell Pepper | Provides about 140 mcg per 100 grams |
Butternut Squash | Offers around 1,000 mcg per cup |
Collard Greens | Contains 770 mcg per cooked cup |
Swiss Chard | A good source, with 300 mcg per cup. |
Also Read: Sources of Vitamin D for Vegetarians
Fruits High in Vitamin A
Certain fruits, especially those with orange or yellow pigmentation, are rich in beta-carotene and contribute to daily vitamin A intake.
Name | Particulars |
Mango | Contains about 54 mcg of vitamin A per 100 gms. |
Cantaloupe | A cup of diced cantaloupe provides 270 mcg. |
Papaya | Offers around 47 mcg per 100 gms. |
Apricots | Dried apricots are rich in vitamin A, with 96 mcg per fruit. |
Guava | Contains about 31 mcg per 100 gms. |
Watermelon | A cup of watermelon offers around 43 mcg. |
Signs of Vitamin A Deficiency and Toxicity
Vitamin A deficiency is relatively common and can lead to symptoms like night blindness, dry skin, poor immune response, and growth delays in children. Severe vitamin A deficiency can cause complete blindness and increase the risk of infections. Here are a few signs and symptoms of vitamin A deficiency:-
1) Irregular white deposits in eyes
2) Delayed Growth (in children)
3) Infertility
4) Infections
5) Night Blindness
6) Lack of quick healing of wounds
If these signs are observed it is recommended to take the required tests and get medications from a doctor.
On the other hand, excess vitamin A, primarily from supplements, can lead to toxicity. Symptoms include dizziness, nausea, and even liver damage in severe cases. It’s essential to balance vitamin A intake and avoid excessive supplementation.
Conclusion
Vitamin A is essential for overall health, supporting skin, vision, immune function, and reproductive health. By incorporating a variety of vitamin A sources—such as liver, dairy, carrots, and leafy greens—one can easily meet daily requirements and enjoy a balanced diet. To safeguard long-term health, consider monitoring your diet and explore a health insurance policy that promotes regular health check-ups and preventive care.
Frequently Asked Questions
1) How can I increase my vitamin A?
To boost vitamin A intake, incorporate foods rich in both retinoids (from animal products) and carotenoids (from plants) into your diet. Add liver, dairy, carrots, and leafy greens to your meals regularly.
2) How do you increase vitamin A absorption?
Since vitamin A is fat-soluble, pairing it with healthy fats (such as olive oil or avocado) can enhance absorption. This helps the body more effectively utilise the nutrient.
3) What are the symptoms of low vitamin A?
Signs of vitamin A deficiency include night blindness, dry skin, increased risk of infections, and, in severe cases, complete blindness. Other symptoms may include delayed growth in children and poor wound healing.
Disclaimer: The above information is indicative in nature. For more details on the risk factor, terms and conditions, please refer to the Sales Brochure and Policy Wordings carefully before concluding a sale.