Tax-free bond funds or municipal bond funds are one of the best sources of non-taxable income. They are bonds which are issued by state or local governments. The main reason to buy such bonds is that they are entirely tax-free and offer a diversified option for investment. In this article, some of the benefits and reasons to invest in tax-free bond funds have been listed. Low risk and safe for investment Even though tax-free bond funds or municipal bonds give lower yields, they come with an extremely low-risk factor and are very safe for investing your money. The only thing you need to ensure is that you do not put this money in retirement or a Roth account because all the income of the Roth account is taxable in any case. These funds are safe for investment because they are backed by the local or state governments. Also, there are some bonds which give higher yields because they invest in bonds which provide better returns than the average municipal bonds. Great for people with a high taxable income Experts suggest that people who want to invest their money in a Roth account should not invest in a tax-free bond fund because they would not be able to take advantage of the tax-free feature. These bonds make more sense for individuals who have an extremely high income and want options for tax deferment. Since the profits you earn on this fund is not taxable, the investors get yields on their invested money and get to save on tax as well. If you want to add an investment option to your portfolio which gives you returns as well as saves you from high taxes, then this is an excellent choice. Choosing the right option for municipal bonds Tax-free bond funds or municipal bonds are divided into two categories. One is a general obligation (GO) bond, backed by the municipal entity and the other is a revenue bond which gives you funds by the revenue that is expected from municipal projects. You may check the bond’s worth by seeing the investments it has made and the insurer’s creditworthiness as well. Analyze a general trend of growth in the past 2–3 years to get an idea of the yields you may get out of the bond. Every state or local entity offers these municipal bonds. The rates differ as per the location and the bonds provided by the government of that state.

Mid-size cars focus on two things that the buyers will want to look at too before purchasing. These things are the rear seat space and fuel mileage. The size of the car from the outside is neither small nor too big to be called a full-size luxury sedan. All other features are add-ons. Most decisions that are made are based on the above-mentioned features. Mid size cars are higher in demand because of the add-ons like well-made interiors and user-friendly technology along with the fuel efficiency and space in the rear seats. These cars are the perfect all-purpose cars. Here are some of the best mid-size cars you can get for less than $30,000. Toyota Camry Since 2008 till date, this car has been one of the most desirable cars by many. The new model is redesigned and has already received many positive reviews by entities who review cars. This car begins with $24,000 and goes up to $34,950. However, there are better rates you can find out through research or following some official best price program. Chevrolet Malibu The new Chevrolet Malibu can be the right choice in med-size cars section. This 5-seater has safety, value, reliability and passenger space. Malibu starts from $21,680 and goes up to $30,975. The new model has 360-degree camera available now. With the spacious back seat and good mileage, this car becomes one of the most apt mid-sized family car. Kia Optima There are many technical features that make this car a good buy for a mid sized car. One of the tech features is the impeccable infotainment system and other advanced safety features. The gas mileage is similar to other counterparts in the same price-range, which is quite right in this price. Kia Optima starts from $22500 to $30,500. Mazda Mazda6 This new Mazda6 is more than just a regular mid-size family car. The handling is sharp, responsive steering and a smooth ride to enhance the driving experience. The price range of this car is between $21,945 to $30,695. The fuel mileage is better than the counterparts in the same price range. 24-27 miles per gallon in the city and 34-35 in the highway. Ford fusion hybrid This car is great for fuel economy and athletic handling. It is spacious just as much as the other cars listed here and has high-quality cabin with high quality materials in the higher trims. The infotainment system is easy-to-use. This mid-size car comes for $25,295 and can go up to $37,275.

5 natural ways to keep your nails healthy If you ignore your nails, you may end up having an issue or two. The first thing that you might want to do is to start taking care of your nails and use kitchen-based ingredients that might solve the nail problem. Poor diet, lack of hygiene, etc. can cause nail issues in both men and women. When you see yellow, brittle nails or nails with lines or dents, you know there’s an issue. Try these kitchen ingredients to treat them. Apple cider vinegar With a high concentration of malic acid and acetic acid, apple cider vinegar can reduce discoloration of the nails. Moreover, it has anti-fungal properties which can treat numerous infections of the nails. It is also proven to help in stimulating and strengthening the growth of nails. Orange peel Orange contains copious amounts of vitamin C which can assist in warding off the yellow stains. Simply rub orange peel twice or thrice in a day to earn desired results within a week. You may also make a paste of orange peel and apply the mixture on the nails and keep them for about 10 to 15 minutes. Remove it gently with the help of a soft toothbrush and wash it with lukewarm water. Baking soda This kitchen ingredient has exfoliating and bleaching properties that can aid in eliminating the stains out of the nails. Mix up baking soda with 3 percent hydrogen peroxide in a bowl and then apply this mixture to your nails using cotton swabs. Finally, rinse off the nails with warm water to see desired results. Lemon Lemon helps in warding off the yellow patches on the nails and helps to lighten the skin around the nails. It can also act as an astringent for your nails and prevents the nails from infection. Garlic This does wonder for your nails. Crush some raw garlic and apply on your nails or add it to a small tub of water, and soak your feet in it. The antibacterial properties of garlic will remove the fungus effectively. Conclusion With these few kitchen ingredients, you maintain healthy nails that look and feel good. But if it doesn’t give desired results, you should see a doctor to see if you have any underlying health complications.

Osteoporosis is a condition in which the patient’s bones become brittle and porous. This increases the chances of getting bone fractures and experiencing joint pain. Sometimes bones become so brittle that coughing or bending over causes a fracture. Although osteoporosis does not have a permanent cure, there are ways to manage its symptoms and strengthen weakened bones. Listed in this article are some of the steps that can be taken to promote bone health naturally. Opt for calcium-rich foods Calcium plays an integral part in the maintenance of bone density for osteoporosis patients, which is why it needs to be incorporated in every meal. Dairy products are an ideal source of calcium. However, calcium-fortified food options like cereals, yogurt, juices, and more can be equally resourceful. Include physical activity In our fast-paced lives, physical activity often takes a backseat. This lack of daily physical activity can prove to be a concern, especially for patients with osteoporosis. Strength training or weight-bearing exercises like swimming, walking, running, hiking, and more are recommended by health care professionals. Eat vitamin-rich foods While vitamin D helps the body improve calcium absorption, vitamin K2 ensures that the absorbed calcium is not lost. Both these crucial components can be obtained from food. However, in some cases, osteoporosis patients might need to be prescribed supplements to overcome vitamin D deficiency. Avoid carbonated drinks One of the negative outcomes of sodas and other fizzy beverages is the loss of bone strength. It is believed that the phosphoric acid present in these drinks hinders the body’s absorption of calcium and results in weaker bones and decreased bone density. Limit sugar intake Unchecked sugar consumption can lead to weight gain, decreased bone density, and increased risk of osteoporosis, all of which needs to be avoided in order to promote good bone health. Limiting or eliminate the consumptions of beverages, bread, desserts, and candies that are loaded with this sweetener. Aside from the above methods, there are other ways to maintain bone health like maintaining a healthy weight, incorporating enough protein in each meal, avoiding weight-loss fads, and more. When the condition of the osteoporosis patient has progressed, doctors might need to prescribe some treatment options that will help with their pain and quality of life. EVENITY® EVENITY® bone-strengthening treatment for osteoporosis is most commonly used in patients who are susceptible to fractures. It increases the number of new cells that help in bone formation and strengthening. Doctors administer two injections in the period of one month for a year. Post-menopausal patients are most likely to be prescribed EVENITY®.

Hemophilia is a genetic disorder that is mostly diagnosed at a young age. The blood doesn’t clot as it should in people with this disease, causing excessive bleeding, which can turn life-threatening. The condition largely occurs due to the absence of certain blood-clotting proteins (called clotting factors), although it can also be acquired due to an immune system issue.

Physical therapy, clot-preserving medications, and vaccinations are viable treatment options. Alternatively, dietary choices can also help manage the symptoms and prevent the condition from worsening. In this article, we’ll take a look at some of the beneficial foods to eat for people with hemophilia:

Whole grains
Oatmeal, brown rice, and barley are a few of the healthiest whole grains to eat for hemophilia patients. These foods contain fiber and nutrients that help stabilize blood glucose levels. By lowering the risk of heart disease and stroke, these foods prevent serious complications associated with hemophilia. Whole grains also reduce chronic inflammation, which can be touted as a major contributor to internal bleeding.

Calcium-rich foods
Important for the growth and maintenance of the bones, calcium is paramount for hemophilia patients. The nutrient helps keep tooth and bone health in check, preventing damage and subsequent blood loss. Also, the lack of calcium increases the risk of several diseases, some of which are known to cause internal bleeding and muscle damage. Dairy products are the standout sources of calcium, along with fish like sardines and pilchards.

Leafy greens
Dark, leafy green vegetables like kale and spinach are loaded with minerals that can help manage hemophilia and its possible complications. Collard greens are also great options, as they’re a good source of vitamin K that helps in blood clotting. The vegetable might also prove useful in maintaining bone health. At the same time, cabbage and beet greens come with their own list of benefits for people with hemophilia.

Foods rich in iron
Iron is just as important as calcium for people with hemophilia. Iron helps in the production of red blood cells, playing a crucial role in the development and care of muscles. Foods rich in iron help quickly replenish this nutrient that’s lost due to bleeding. Dark chocolate, white beans, and baked potatoes are some good sources of iron.

For as long has humans have walked the earth, they have not been the only creatures to co-exist alongside sharing the same habitat. Humans are part of the same kingdom as many other organisms, some not even viable to the naked eye. History has given us a glimpse of codependent existence between both the worlds, but often the co-relation has failed, for there are certain tiny bugs that are harmful and unhealthy to exist beside human living. The modern-day vocabulary terms such minute organisms as pests, who derive their name from the fact that they cause harm to and around human colonies. By the meaning of the words as given in the dictionary, a pest can be any insect or animal that aims at destroying food, crop, and even livestock by feeding on them and making them unfit to consume. The past has been a witness to epidemics that have been caused by such pests, which were responsible for erasing a huge portion of the area's population. It is not all the time that crops or other edible items affected by the infestation are visible easily. When such an occurrence goes unnoticed and when the affected item is mistakenly consumed, it can cause wide spread destruction to the individual's health. Pest control bodies are formed to keep in control the growth and multiplication of such organisms, hence making the environment in which humans live safer. With the progression of science and technology, pest control organizations have been successful in expanding their horizons and any and all almost all kinds of pests that even have a remote possibility of harming human life can be taken care of, to omit any possible danger. Looking at pest control largely, one can find a wide array of companies who take care of these tiny inconveniences. These are the companies that range from stalwarts who have been in the market for as long as the term pest control has been coined and there are newer generation conglomerates who are rather new comers in the pest control market. Taking names to help us attain better examples, there is a long list of companies that can be written down in black and white. From the 85-year-old Terminix, a front runner in the termite removal services to Ecolab pest control, who provides large scale, commercial eradication of pests and vermin, the pest control business has as many companies providing the service as they have a constant flow of eager consumers seeking their service.