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What Is A Housing Loan EMI Calculator?

While it may look simple at the base formula level, home loan EMI calculations are in fact quite complicated. This is because borrowers will need to calculate their EMI again and again based on the loan variables that change with each factor and financial partner. Keeping this in mind, many leading housing finance companies offer online tools called home loan EMI calculators that help you to calculate and get a conservative estimate.

This online tool is a good way to familiarize you with the monthly payment requirements that go with a loan. It also comes as a welcome aid for people, who do not have any background in finance or commerce, primarily because it is user-friendly. Plugging in the gaps where the lack of finance education can hinder you, an ideal home loan EMI calculator in India can help you to research about several home loan possibilities to identify the most useful solution in terms of the tenure and EMIs. This tool is definitely recommended for all first time borrowers, who are looking at housing options in terms of locality, price and the EMIs that they can comfortably afford.

Different financial organizations offer their brand of home loan EMI calculators to choose from. While the basic agenda is to help borrowers to understand the potential EMIs, individual financial entities offer different insights into the loan. Some tools will allow you to consider the ratio of the principal amount to the interest. Others will help to demonstrate amortization schedule calculation i.e. a snapshot view of the whole period of the loan, showing the interest and principal amount paid over time. Whether you want to know the total interest paid or just the way in which your tenure, interest and amount affects the EMIs, the housing loan EMI calculator is the best tool to see that.

A perfect home loan calculator will also help you to gather insights that might help with your decision making. One of them could be the understanding that extending the tenure or loan term is a double-edged sword. While doing this will reduce your EMIs, you will end up paying much more interest than the principal amount. This tool will also help you to work out how a slight change in the interest rate can affect your total amount payable and EMIs. All these factors highlight just how important it is to thoroughly research all the possible home loans in India to settle on the lowest interest rate possible.

You should always be careful before making such a financial commitment, though. It is also not possible for most people to take into account the future expenses. It is advisable to ensure that the EMIs remain less than 30 percent of your monthly income. It is also important to understand that you can’t base your decisions just on a housing loan EMI calculator. That is because the numbers provided are just indicators and rough estimates. In addition to your own calculations, it is always wise to consult a financial expert to make the right choice while buying your dream home.

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What is a face serum? Are face serums good for the skin?

For decades, moisturizers have been the only skincare products that work to hydrate your skin from deep within. Along came face serums to moisturize your skin further while ensuring you reap a plethora of other benefits.

What is a face serum?

A face serum is a water or gel-based skincare product that is a concentrated form of active ingredients like vitamin C. It is topically applied, lighter, easily absorbed, and shows results in a shorter time frame.

It is applied to the skin right after cleansing and before moisturizing your skin. Though the serum has hydrating properties that work deep under your skin, it is still good to lock in the serum using a moisturizer that further hydrates your skin.

What are the benefits of a face serum?

It is easily absorbed into the skin

As it is a water or gel-based skincare formulation, it is easily absorbed by freshly cleansed skin. If you follow its use with the application of a moisturizer, you get to lock it in safely.

It soothes the skin

Those with oily or acne-prone skin have to be twice as careful before using any skincare product. The good news is that face serums are water-based or gel-based, making them ideal for those with oily skin. Not only do they help in fighting acne, but they also prevent the oily look rendered by some moisturizers and lotions.

It reduces the appearance of fine lines and wrinkles:

Fine lines and wrinkles that are way ahead of their time are a result of free-radical damage caused by exposure to harmful sun rays. You can reduce them by using a good vitamin C serum that is inherently a good source of antioxidants. As antioxidants fight the damage caused by free radicals, this is considered an essential addition to your skincare regimen, especially if you spend time outdoors.

Do check out the best face serums in India from the Dermalogica stable of products. Let’s look at a couple of them here.

Biolumin-C Vitamin C Serum

It is a product that works on the skin’s defence system to conspicuously reduce the appearance of fine lines and wrinkles. Its unique blend of biotechnology and stable Vitamin C complex helps combat stress and skin ageing.

Age Bright Clearing Serum

This serum not only prevents skin breakouts, but also reduces signs of skin ageing. While the Salicylic Acid prevents breakouts, the serum accelerates cell turnover that helps in reducing signs of skin ageing. Its ingredients work with skin to produce clearer and more radiant skin while helping it tackle dehydration.

Multivitamin Power Serum

This serum comes with microencapsulated Vitamins A, C and E that melt into the skin and work their magic to reduce the appearance of fine lines and age spots. The protein peptides that help build and repair skin cells work to make the skin resilient and reduce sun ageing to a minimum.

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Herbal Remedies To Relieve Osteoarthritis Symptoms And Get Rid Of Painful Joints

You are reading this because you or your loved ones are suffering from the debilitating and progressive disorder named arthritis. The problem occurs with poor joint health and affects the mobility of people. With growing age, it is common that people want to get rid of painful joints, but due to strenuous lifestyle and overuse of muscles people at any age might need herbal remedies to relieve osteoarthritis symptoms.

When a person is dealing with arthritis issues, he might be feeling that the ligaments have become weak and the cartilages are damaged. All such damages and instability can be cured if you try herbal remedies to relieve osteoarthritis symptoms. Rumatone capsules are one of the widely trusted herbal supplements that are safe to be taken for a prolonged duration. A regular usage will enhance the strength and endurance of your muscles and joints naturally.

Symptoms of osteoarthritis:

If you are feeling that the joints in your body are sore and stiff, chances are high you will be diagnosed with osteoarthritis. Depending upon the affected joints, the symptoms may vary. But if you want to get rid of painful joints then take a look at the common signs to spot the problem and try Rumatone capsules right now.

1. Stiffness in hips, knees or lower back
2. Cracking sound from bent joints
3. Swelling around joints
4. Painful feeling while doing any activity.

You will find it hard to perform day to day activities if you are dealing with the pain and stiffness of osteoarthritis. Before the problem hinders your work performance and your social life, try herbal remedies to relieve osteoarthritis symptoms.

Rumatone capsules – One of the best herbal remedies to relieve osteoarthritis symptoms

Osteoarthritis can affect any joint in your body, and the pain and discomfort are even hard to imagine if your finger and hand joints are affected. You won’t be able to grasp or hold objects. The natural remedy Rumatone capsules can help in such situation. This supplement is specially formulated to allow the joints to bear more pressure.

These capsules are formulated from rich ingredients that are trusted since ages to get rid of painful joints. The powerful formulation contains Rasna, Suranjan, Rigni and Kali Mirch to deliver great results in a shorter duration. The precise combination of these herbs not only helps with the stiffness of joints but also relieves pain by numbing the nerves carrying pain signal.

Get rid of painful joints naturally:

Rumatone capsules are formulated from highly effective anti-inflammatory herbs. Moreover, the supplement is trusted by people of all ages to promote blood flow which relieves pain and provides stable and stronger joints. These all natural pills are absolutely free from side effects and a regular dosage will keep you active and agile for a longer period. The multiple benefits of Rumatone capsules include an ultimate solution of:

1. Pain and inflammation of arthritis
2. Problems likes neuralgia, frozen shoulder and gout attacks
3. Weaker joint mechanism
4. Higher uric acid levels
5. Joint weakness and lethargy
6. Cramps and muscle pulls.

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