Smart Woman World

Most people do not realise the importance of Life Insurance and buy a policy mainly for tax saving benefits. In most cases parents purchased a policy for their children and the children continued paying the premiums after they start earning. In this article we want to highlight the importance of Life Insurance but before that, let’s start by understanding some basic concepts of Life Insurance.   Some Important Terms to note: 1. The Surrender Value of a Policy Surrender value of a policy is what a life insurance policy is worth at a given point in time. This is the amount you get at the time of stopping your policy. In most traditional policies there is no surrender value for the first 3 years. For e.g. If you have a 20 year policy and surrender it in the 10th year, then the surrender value is approximately around 60-70% of the premiums paid, however if you were to surrender the policy in its 5th year then the surrender value is reduced and you would get around 25-30%. In the la

In this article we talk about the things a working woman should understand while  Starting a Diet . We have to understand the most important question as to Why are we fat? Some researchers in the west have found out that people with high insulin levels have more difficulty in losing weight than people with low insulin levels. When people don’t eat right, the body automatically needs to make adjustments to digest more sugar and unnatural ingredients consumed.This information is very important while Starting A Diet. The only way the body can adjust is to produce more insulin. Once the body releases insulin, it is unable to burn fat. So the important thing to learn from this is to eat the right foods and produce low level of insulin which further leads to burning of fat. The important questions we should ask our selves while  Starting A Diet are shown below. Currently there is so much of information about losing weight that it is quite confusing and contradicting. But remember that

  Building more strength and muscle can often be a long-winded and frustrating task, especially if you are just starting up. One secret tip many seem to overlook is the use of diet to gain more strength and muscle. Below is 7 nutrition habits for you to build more strength and muscle.   Eat More Protein Limit Carb Intake Drink More Water Eat More Veggies and Fruits Intake Good Fats Eat Frequently Get Enough Sleep Eat more protein Protein is an essential component in our diet, for both maintaining cell structure and to enhance muscle building. The more protein you, the stronger you get? Kind of. Ensure you are eating quality sources of protein, these include chicken, eggs (dairy products) and fish, fish is especially good as it contains essential oils. Gymequipment have outlined in their infographic the importance of protein, and recommend 1.8-2.3g of protein per kilogram of body weight per day in order to increase muscle definition, strength and muscle. Limit carb intake

Making sure your kids get proper nutrition during breakfast is important. Unfortunately, cereals marketed to kids tend to be loaded with sugar . Too many sweets could lead to problems like obesity and diabetes later on. Preparing healthful meals is much better for your kids. It also doesn’t need to be a challenge. The following are easy breakfast recipes that provide key nutrients and satisfy a kid’s appetite. English Muffin Breakfast Pizzas Pizza for breakfast? Your kids will be happy to try these based on that idea alone. Making them is also easy. Just slice a few hard-boiled eggs and toast a few English muffins. Drizzle some olive oil on the English muffin halves when they’re done toasting, then top them with tomato slices, egg slices, and some grated mozzarella. You might also add a little oregano and salt for extra flavor. Broil them until the cheese melts, approximately five minutes. This meal is a good breakfast choice because eggs and mozzarella both contain protein. Gr

Usually in the month of June, the 10th grade results are declared and parents are faced with the important decision of deciding the best career paths for their children depending on their interests and abilities. Careful planning at this stage is essential.   Below are some key factors to bear in mind while deciding a child’s career after 10th standard: 1. The grades obtained in 10th std. 2. Discussing the pros and cons of the child’s field of interest. 3. The confidence level and ability of the child. 4. Taking the help of educational fairs, career counsellors, advice from parents of other children who have taken similar courses to understand the realistic difficulties faced etc. One also needs to know the various educational streams available so that the transition is easy. The following are the main streams offered: 1. Science Stream with Mathematics / Biology / Computer / Bio-Math 2. Commerce Stream 3. Arts or Humanities Stream 1. Science stream The science stream off

Making sure your kids get proper nutrition during breakfast is important. Unfortunately, cereals marketed to kids tend to be  loaded with sugar . Too many sweets could lead to problems like obesity and diabetes later on. Preparing healthful meals is much better for your kids. It also doesn’t need to be a challenge. The following are easy breakfast recipes that provide key nutrients and satisfy a kid’s appetite. English Muffin Breakfast Pizzas Pizza for breakfast? Your kids will be happy to try these based on that idea alone. Making them is also easy. Just slice a few hard-boiled eggs and toast a few English muffins. Drizzle some olive oil on the English muffin halves when they’re done toasting, then top them with tomato slices, egg slices, and some grated mozzarella. You might also add a little oregano and salt for extra flavor. Broil them until the cheese melts, approximately five minutes. This meal is a good breakfast choice because eggs and mozzarella both contain protein. Gro

In this article we talk about Organic  Kitchen Ingredients that Heal . Natural foods are treasures filled with goodness and are a must for sound health. Regular intake of fresh fruits and vegetables ensures great skin and hair. We have heard our elders say , that what is good for your stomach is good for your skin. When you are doing things the natural way, then you will not regret your decision. Today We will discuss some of the common kitchen ingredients and foods which can be good for our body and skin. We must remember to prepare fresh packs and wait patiently to see the results. Kitchen Ingredients that Heal Almond Almonds are one of the greatest beauty aids. You can use it soaked or ground powder. Almonds have proteins, Vitamins B, omega fats and other nutrients. It brightens the skin and removes the traces of pigmentation. It protects the skin from sun’s harmful rays and also slows down the aging process. Amla (Indian Goose berry) Amla is a fruit known for innumerable hea

  Most of us have heard of the stock market crashing and the amount of money that was lost in these crashes from our near and loved ones. The past news has led us to believe that the stock market is like gambling or like a casino. But in reality investing in the stock market is not gambling. In order to know about the myths of the stock market one should have the appropriate knowledge of the stock market. Now let us start understanding some of the basic things of the stock market: Stocks are also called as share in a part of the company. When you buy a stock, you become a part owner of the company. This means that you will be a part of all the risks and responsibilities of the company. In other words, if the company does well and makes a profit then you will get a share of the profit too and vice versa. Stock is one of the riskiest of all asset classes. In past we have seen people lose their entire savings because of one wrong decision to invest. In other investments like gold, l

In today’s world, every child wants their room to reflect their dreams and imaginations. There are various themes that are offered in the markets. These themes range from Jungle Book, Fairy tales, Mermaid, Cinderella room, spaceship etc. And most of the times these themes are extremely costly and not pocket friendly. Today, we will look at some of the cheaper and creative options that can make your child’s room extremely exciting without being expensive. When you are doing up your child’s room, you need to take their feedback, likes, dislikes and choices. By getting your child involved in doing up their room, you will be able to create enthusiasm and excitement in designing the room. Some of the important things to keep in mind while designing a child’s room are: Walls Colour the walls with light pastel shades. The lower part of the wall, around 3 feet high, should be covered with plain white wallpaper or drawing paper which can be washable. This will act as a blank canvas and en