The basics of wealth management For those who are deeply involved with creating wealth, there is little time for anything else. And that includes managing the finances they bring in. Wealth managers help them do precisely that. Wealth management is a high-level professional service by individuals or management firms who regulate and control money flow by providing prudent investment advice and making financial plans for the post retirement life of affluent people. They also offer support with accounting and taxation services, and legal paperwork to manage estates, and charge clients specific fees to do all this. Coordinating between the various entities involved here are the accountants, attorneys, insurance officers and the clients themselves is all part of the responsibilities of a wealth manager. Offering advice and consultatory services beginning from how money flow can be increased, to finally settling the assets after a person’s demise according to their will. Everything they do in between, to maintain or increase their cash reserve or assets by way of investments or to supervise credit options, to decide on insurance plans and so on, is taken care of by wealth managers or management firms. There are either designated investment professionals for every customer or a team of specialists working together to handle the finances of one client. It depends on the capacity to bring in funds, and the needs, goals, volume, and worth of resources being handled. And, above all, the risk tolerance level of the client is taken into consideration before making any investment decision. Once the course of the financial plan is agreed upon and becomes a regular, steady trajectory in line with the end goals of the customer, regular discussions are held between him and the wealth manager to review his portfolio and make changes where necessary. The association between the two is ideally long term and sometimes lasts an entire lifetime. Even after retirement, you will acquire confidence - with the knowledge that the money you earned with a lot of effort is taken care of, by trusted minds and their intelligent perspective of market conditions, by wealth management advisors.

Whether one is doing any strenuous physical activity or not, the body essentially needs to stay hydrated. We all know that the human body is made up of more than70 % water. But to stock up on water only is not sufficient when one is into intense physical workouts. To avoid the bloated feeling, retain energy levels, and maintain necessary salts, taking electrolyte drinks is the key to hydration. To think Electrolytes are just a variation of salt would be a sin. By function, they are substances that break down to electrically conductive particles (called "ions") when dissolved in a polar solvent. When mixed with a polar solvent, the electrolyte minerals become electrically charged. Electrolyte drinks form an essential part of consumption needs of the healthy functioning human body. For people who indulge in intense physical activity, it is important to maintain a proper balance of these nutrients. Electrolytes can be salts, acids or bases and occur inside the body rarely. Calcium (Ca), Potassium (K), Sodium (Na), Chloride (Cl), Magnesium (Mg), Bicarbonate (HCO3) and Phosphate (HPO4) are crucial electrolytes that aid in the healthy functioning of the body. Losing of bodily fluids through activities results in electrolyte loss causing conditions like dehydration, diarrhea, vomiting, etc. Additionally, a person suffering from acute electrolyte loss is likely to be under an improper balance suffering from headaches, muscle cramps, fatigue, dehydration and in some cases even seizures. Grueling physical activities like long-distance running and cycling etc. lead massive loss of electrolytes from the body. Various electrolyte replacements available in the form of electrolyte drinks, powder mixes, dissolvable tablets, performance chews, jelly beans, and supplements can be consumed to make up for such loss. Electrolyte replacements are taken in many forms- the most common of which are powders, tablets, and hydrating drinks. Let us go through their relative pros and cons to arrive at some conclusion. Electrolyte Powders:

1. The powders simply require you to mix the stated volume of water and make the drink that helps you replenish electrolytes in your body.
2. There is some amount of risk involved as the product may not work very well if the compositions are incorrect.
3. The quantity is usually more than the drinks and the tablets which makes it affordable,
4. It is often preferred by athletes since it gives them an option to make a drink according to their taste and results they would like to achieve.
5. They are easily transferable and easy to carry when traveling. However, it is advised to take the prescription or proof of purchase while traveling abroad.
6. With powders, you can achieve the desired taste
7. Every athlete has different requirements. The requirement may also vary on certain days; therefore, powders are preferred as it helps meet their varied requirements.
8. Using a correct proportion of juice or water with the powder is crucial. The wrong proportion may pose risk to health.
9. It is essential that you carry clean water or packaged fluids and clean bottle to make the drinks.

Electrolyte tablets:

1. Give you an option to create an energy drink by just dissolving the tablet in water.
2. Easy to carry and dissolve easily owing to their small size.
3. They come in different flavors, which enhance the taste and provide necessary electrolytes to the body.
4. They are usually as good as the hypertonic and isotonic drinks.
5. Due to the convenience and ease of use, it is used extensively.
6. One only requires a bottle and clean water.

Electrolyte drinks:

1. Often called ready to drink beverages as they do not require anything to be added.
2. Can be consumed directly from the bottle making it convenient to use.
3. They are produced keeping in mind the requirements of the athletes – so all you got to do is drink up.
4. Come in nice and convenient packaging to keep it from spilling and can be carried easily.
5. While traveling, it can be bulky and add up a lot of weight to the luggage.
6. The drinks usually taste good and are also very hydrating.
7. Ease of availability – can be brought off the stores and discarded after consumption, unlike the counterparts.

Choosing out of the three is a matter of convenience and personal choice, Electrolyte drinks are however most popular and are also the most popular buys.

Fixed income investments pay high returns after a period of time even if payment amounts vary. Individual fixed income investments are widely favored for their security. You can consider this investment regardless of whether your aim is to do some savings for future, receive dependable income, or diversify your investment portfolio. Fixed income investments can help you preserve the principal amount and minimize taxes to reach individual financial goals. What Is Fixed Income Investment? Fixed income investments get their name from their working principle. They're devised in such a manner so they earn you a fixed amount of money after a period of time. Common variants of fixed income investments include agency bonds, government and treasury bonds, corporate bonds, mortgage-backed securities. They also include certificates of deposit, securities, and preferred stocks. What Are The Different Types Of Fixed Income Investments? There are various types of fixed income schemes available in the United States. Weigh all your options before investing in them. Here are some of the most sought after investment plans. Individual Bonds: Bonds pay a set schedule of fixed interest payments along with an assurance to pay off the whole money at maturity. Bonds are issued by a number of companies, including government agencies, the U.S. treasury, municipalities, and corporations. Exchange Traded Funds And Bond Funds: Mutual funds and exchange traded funds are some professionally managed investment schemes in the country. They're made of a diversified mix of underlying securities. You can find some investment plans with low minimum amounts. Certificates Of Deposit: Certificates of deposits, commonly known as CDs, are a type of bank deposit that pay a specified amount of interest for a period of time. Rest assured that the total sum invested would be returned to you at the time of maturity. CDs are generally insured by the FDIC, which adds another layer of security to it. Preferred Securities And Stock Funds: These are a particular class of stock which pays off fixed dividends or interest amount to shareholders. You can get the benefit before the dividends are paid to the general shareholders. You can access these fixed amount investments through the corporations. The prime advantage of stock bonds and preferred securities is that they have the properties of both bonds and stocks. Managed Accounts: A managed account is a type of portfolio of all the personal securities you own. The securities are selected for management on the basis of some discretion by an asset management form. Each of these fixed income investments has their own set of benefits and terms and conditions. You can choose one according to your individual financial goals and start investing.

Electric blankets are heated using low-voltage wiring and are much safer than older models. The new models have transformers, so the voltage is lowered and circulated throughout the blanket. The blanket could be used to save energy if you turn down the thermostat during the night. It also eliminates the need for extra bedding. Following are what experts call the best and safest electric blankets in the market today. Sunbeam® Premium Quilted Heated Electric Mattress The Sunbeam® blanket is really top-of-the-line stuff. It comes with plenty of padding and a cotton top. It is extremely comfortable and easy to use. The plug has a locking mechanism so that you can be sure you will be warm the rest of the night. The plug only takes up one outlet, even for their huge king-sized and queens-sized heating pads. With the controller being very user-friendly, this blanket becomes the top contender. Soft Heat Luxury Micro-fleece This micro-fleece blanket is very soft and comfortable and hugs your skin. The low voltage heat ensures that the likelihood of any burns or accidents reduces considerably. The blanket also takes longer to heat up because of this. However, it can be used to preheat your bed. The backlit display and the temperature controls are fine-tuned for all your needs. You and your loved one can set individual temperatures for both queen-sized and king-sized beds. Sunbeam® King Velvet Plush Heated Blanket Sunbeam® is a big player in the market. Their electric blankets are also quite comfortable. This one is cheaper than the Sunbeam® Premium Quilted Heated Electric Mattress, but unfortunately slightly lower in quality. The pad does a poor job of masking the heating wires and the blanket is made of polyester, so it does not absorb sweat as well. The digital controls are good with fewer buttons than the Premium Quilted pad but support a similar temperature range. Biddeford Blankets® Comfort Knit Another popular electric blanket is this one from Biddeford Blankets®. The wires are far better in this, so much so that you do not feel them under the padding, because they are more flexible. While the blanket itself stays quite warm, king and queen-sized beds will need two power outlets for controlling temperature, as both partners may have different preferences. The control functions are not as varied as some of the Sunbeam variants, but they do get the job done.

Term life insurance is a basic life insurance policy that is affordable for most people. Although not as beneficial as a permanent or universal life insurance policy, it is a cheaper option. If you, the insured, are relatively young and healthy, then the premium amount would be less and the term of the insurance long. First would be the total amount of coverage the beneficiary of your policy is likely to receive upon your untimely demise during the term of the insurance policy, then the clauses and conditions of the insurance policy that is usually mentioned in fine print in the policy document. Third would be the price of the premium you are expected to pay regularly for the term life insurance and finally, the financial stability and prosperity of the insurance company you are selecting, to ensure they do not fizzle out of the market within a few years. Request quotations from diverse companies, both Government owned and private insurers, and compare the figures - the cost, the payout and the term of the life insurance - before finalizing the most suitable option for you. Check online quote services to find a good term life insurance or make an effort to speak to a competent agent who works for a reliable insurance provider. Those insurance companies that offer a satisfying term life insurance policy must be rated well by professional rating companies like A.M.Best, Fitch, Moody’s and Standard & Poor’s. For this to happen, they must provide long term insurance policies like a 10, 20 or 30 year term period. In addition to that, it is also important to allow for a stable minimum coverage sum, approve policy conversion options, and recognize an attractive array of policy riders that lets you, the insurance policy holder, to include a multiple number of illnesses. It makes sense to have a term life insurance as you grow older and want to ensure a substitute for a loss in income for your family, your dependents.

Treatment for Hepatitis C depends on which stage the patient is at. Although later stages of the disease exhibit severe liver damage signs that cannot be treated, the earlier stages can be treated with proper medication. Moreover, treatment and its effectiveness also depend upon other health conditions and how much Hepatitis C virus the patient has in his/her body. Possible treatment for Hepatitis C The medicines that are meant to treat Hepatitis C have severe side effects and are quite expensive. Moreover, their efficacy is not a guarantee since it varies from person to person. Being diagnosed with this disease is a life altering situation, and the patient will most certainly need the help and support of loved ones to cope with the illness.

• Treating short term (acute) Hepatitis C This is a stage of Hepatitis C that cannot be dealt with because it is too early to be diagnosed in most people. If a person such as a healthcare expert knows that he/she has been exposed to HCV through a needle, such a person is in the acute stage and can be treated with medication. Although there is still debate upon when to begin treatment and for how long, most people are offered suitable treatment during the acute stage, which helps prevent them from chronic infection and liver damage signs in the long term.

• Treating long term (chronic) Hepatitis C The symptoms of Hepatitis C and liver damage signs do not show up in most people early on. As a result, they come to know about their infection during the chronic stage. Severe liver problems such as cirrhosis and liver cancer can be prevented with suitable treatment. A combination of antiviral medicines can fight the infection, and this treatment can last from 12 weeks to a year, to finally get rid of the virus.

A routine blood test is mandatory for an HCV-infected person since it will let the doctor know how the patient’s liver is functioning. Whether or not you need to take medication will be decided by you and the doctor based on his diagnosis and your liver damage signs.