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Summer hair care can become a nightmare if you haven’t figured out the right match of products for your hair type and an easy-to-follow care routine. We called the experts by Schwarzkopf Professional to give us an easy guide to hair care for the sweltering months to come.
Melissa Hughe, National Technical Head, Schwarzkopf Professional India, believes if you follow your hair care regime religiously, it ensures maintenance of hair quality on a daily basis. Thorough and regular cleaning keeps the scalp and hair fresh during the hot summers while temperatures and perspiration are high. She also recommends conditioners and treatments which replenish and restore hair structure and lost ingredients. These are a must after every shampoo.
“In addition serums and finishing oils coat the hair with a protective layer keeping one’s precious locks safe from the external environment, as well as sealing the ingredients deposited by the conditioner/treatment,” adds Hughe.
It, therefore, becomes essential to build and follow a hair care regime customized to your own specific hair type and concern, in order to have healthy hair. A weekly treat should include a massage to enhance blood circulation and pampering of tresses with nourishing ingredients. This not only boosts the feel-good factor but also recharges one’s hair from root to tip. Essential care leads to smooth, shiny, free-flowing bouncy hair.
Steps to follow:
* Diagnose — Identify your hair type and concern, for instance, do you find or thick hair? Is it damaged, frizzy, colored, dry or limp? What is the concern is it thinning, brittle, dull, or limp.
* Build and follow a regime: Cleanse, condition, and protect atleast thrice a week. Cleanse using shampoo which compliments your concert. Condition with a conditioner or follow it up with a hair treatment. Lastly, finish it with some protection like finishing oil or serum ( BC/Oil Ultime)
* Treat — Spa Essence, weekly regime.
Summer Trends include textured feminine hair cuts illuminated with rich chocolate shades with hints of gold/red/beige, worn according to the length of one’s choice. (IANS/JC)
Along with Chinese Traditional Medicine, acupuncture emerged in Asia as a technique to cure people of their disease simply by inserting needles at certain points, where the disease is said to lie.
The practice of acupuncture is believed to have a shamanistic origin. Shamans are those who profess to commune with spirits, ghosts, and the dead. They believed that people were cursed for any number of reasons, and this curse manifested in the form of physical symptoms. All diseases were simply versions of the curse, and when the patient was injected or subjected to moxibustion, which is the burning of particular herbs at various points of the body, the curse left.
Moxibustion involves the burning of herbs at various points of the body Image source: wikimedia commons
Oriental medicine requires its students, or trainees, to memorize the various points in the body that affected or released pain from another point. Statues were used for reference, to identify various meridians or channels through which Qi flowed. This was considered the primary life force in Taoist philosophy, and it was imperative to know the exact flow of this energy from point to point in the body, to be able to correctly diagnose the ailment.
Acupuncture was not very well received in China when it began because they believed that the body should not be dissected for study. Practitioners could only learn from observation, and therefore penetration through needles was harmful. When western medicine came to China, the practice of acupuncture became more accepted. It then travelled through the trade routes to Europe where it was practiced.
A statue in a Chinese museum that depicts the different meridians on the body Image source: wikimedia commons
These days, acupuncture is gaining momentum in the west, not as a medical practice, or alternative to medicine as it was originally designed. Instead, it is being researched based on a neurological model which states that the use of needles alters the mechanism of pain and stimulation in the brain. It is used in mild operations, to relieves headaches, dental aches, and so on.
Keywords: Acupuncture, Moxibustion, China, Western Medicine, Oriental techniques, Shamanism
By- Blogger Indifi
EMI is known as equated monthly installments. It is a fixed payment made by the borrower each month to repay the loan amount. The EMI is divided into two loan components. One is the principal amount, and the second is the interest amount. Whether you are applying for a personal loan, business loan, home loan, car loan, or education loan, EMIs are easy to calculate using the EMI loan calculator.
Three parameters based on which EMI calculator works:
- Loan amount.
- Repayment tenure.
- Rate of interest (offered by the lender).
Factors that affect the Loan EMIs
Above, we have discussed the main parameters on which loan EMI is based. Here are the factors that affect the EMIs.
Changes in the loan interest rate: There are three loan interest rates -- fixed, floating, and hybrid.
When an interest rate offered on a loan is fixed, in that scenario, there are no changes in the EMIs.
A floating interest rate is linked to the marginal cost of the fund-based lending rate and can change the loan EMIs. As the rate is flexible, it keeps changing per the repo rate.
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If you have taken the loan on a hybrid interest rate, the interest rate is fixed only for a particular tenure. After that, it is on MCLR to decide the interest rate, and based on the determined interest rate, the EMI changes.
Tenure: When you opt for a loan transfer from one lender to another, there may be a possibility of change in the loan tenure. It will also bring changes in the EMI calculations. If the tenure increases, it will decrease the EMI. In case the tenure is reduced, EMI will increase.
Sample loan chart of a business company Image source: wikimedia commons
The loan amount of repayment is also a reason that affects a loan's EMI. If you make a loan prepayment, it reduces the outstanding principal amount, based on which the EMI amount or tenure is changed.
Benefits of using an online EMI calculator:
- Find out exact EMIs to be paid monthly for any loan.
- Saves time.
- Get a detailed overview of loans applied using the amortization schedule.
- Plan your monthly finances well in advance.
You can set multiple schedules and loan tenures. After a detailed schedule comparison, choose the one that suits well with your financial requirements.
Significance of loan amortization schedule in EMI calculator
A loan amortization schedule data shows the EMI break-ups. It shows how much EMI you need to pay for interest and what you will pay as the principal amount. It is one of the most significant advantages of using the EMI calculator. The EMIs that you pay as principal will keep reducing the loan's principal amount. It will also result in decreasing the interest amount. You will get to know all these things when you use the EMI loan calculator frequently. The amortization schedule is one of the essential features of an EMI loan calculator that helps design the proper prepayment schedule.
The different types of EMI calculators
Home loan EMI calculator
Home loans are one of the most popular and common loans applied for in India. It has a long tenure and a sizable principal amount. Whenever you apply for a home loan, it is essential to do all the EMI calculations in advance. There are various home loan EMI calculators available online with every home loan provider. All that is required to calculate the EMI is the loan amount, tenure, and interest rate. Using a home loan EMI calculator can help you easily plan your finances.
Business loan EMI calculator
Like home loans, business loans also come with a massive principal amount and longer tenures. So, using the business loan online EMI calculator is a smart way to calculate the business loan EMIs. Requirements are the essential loan details, such as repayment tenure, interest rate, and the loan amount. Online, equated monthly installment is automatically calculated at the lender's website.
Personal loan EMI Calculator
Personal loans are multipurpose. It is the reason they are considered as the most applied loan to meet immediate financial requirements. For choosing the right loan amount, you must use the personal loan EMI calculator. It will help you to choose the best interest rate loan offer and tenure. Try to go with the shorter term to pay less interest on the principal amount.
Sample of External Loan amounts Image source: wikimedia commons
Education loan EMI calculator
Education costs increase each year and can cause financial strains on a family. If you are planning to send your child overseas for higher education by applying for an education loan, at that time, the EMI calculator proves to be the best online financial tool. It will help you to decide the right EMI amount where your daily expenses remain unaffected.
Simple interest loan EMI calculator
An EMI calculator is used to calculate the simple interest applicable on the loan amount for a specified tenure. It is one of the most accessible financial tools. All that is required is tenure, a simple interest rate, and the borrowed amount. After that, click on 'calculate' to know the exact EMI to be paid.
Loan against property EMI calculator
If you have any residential or commercial property registered in your name, you can apply for a loan against the property. It is a kind of secured loan, where the property is kept as collateral. To understand how EMI works under this loan scheme, use the loan against the property EMI calculator.
Overall, EMI loan calculators are one of the best financial tools to compare varied loan offers. It provides a clear picture of the total cost of the loan and respective EMIs to be paid monthly. Online EMI calculators are available on every lender's website; whether you are applying for a business loan online, home loan, car loan, personal loan, or any other loan, using the online EMI calculator can help. Just with a click of a mouse, you can keep control of your financial life.
The online EMI loan calculator has been programmed with the formula based on the loan applied. There is no need to worry about the accuracy of the result. All that you are required to share for the calculator to do its job accurately is the right amount, tenure, and interest rate offered by the lender.
Disclaimer: (This article is sponsored and include some commercial links)
The symbol of Swastika is known to signify peace, prosperity, and good fortune in the religious cultures of Eurasia. In fact, this symbol is considered very significant in Hinduism, Buddhism, and Jainism. But, at the same time, it has become one of the most misunderstood religious symbols and has been globally banned in many countries.
The reason why the symbol of Swastika is banned in many countries is because of its association with Adolf Hitler's extreme political ideology, Nazism, as Swastika as its official symbol.
Austria, France, Latvia, Spain, Germany, and Russia are amongst the many countries that have banned the display and use of the Swastika.
Moreover, last week Victoria in Australia is preparing to become the first-ever state to ban the public display of the Swastika. This is a step towards an expansion of anti-vilification laws in the state.
Representation of the Swastika on the flag of Adolf Hitler's Nazi Movement.Photo by Flickr.
Now, we must know and understand what went wrong with this symbol, which is sacred and signifies all-good things.
For a very, very long time, in India, the Swastika is the first emblem that is worshipped or even drawn before any sacred and auspicious ceremonies as this symbol in Sanskrit represents 'well-being'. But, the Swastika lost all its credibility when it was wrongfully used by Adolf Hitler.
In fact, it is believed that if this symbol is worshipped properly, then it gives positive results. But if it is abused, then it gives negative results. So, when Adolf Hitler rotated the Swastika at 45 degrees, it slowly and steadily brought misery not only to Adolf Hitler and his theory of Nazism but also to all the people who were associated with him.
Therefore, in order to give the kind of respect and credibility which the Swastika deserves, World Interfaith Harmony Week which was held in New York in February this year, interfaith groups appealed to the United Nations to recognize and acknowledge the Swastika as an important and peaceful symbol. In fact, they also differentiated it from the Hakenkreuz or "Hooked Cross" of Adolf Hitler.
Keywords: Swastika, Symbol, Nazism, Hinduism, Adolf Hitler, United Nations, Buddhism, Jainism