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Benefits of Prepayment and Partial Payment of Personal Loan

At the need of the hour, a personal loan will always be the most opted choice as it helps you get cash urgently. Because of its flexibility and easy accessibility, personal loans are everyone’s choice. Most of the personal loans are unsecured and hence does not pledge for any asset as collateral.

Personal loan uses:

You can use a personal loan to buy consumer durables, plan your dream wedding, pay for your health treatment, consolidate your debt, pay for your child’s tuition fees etc. Whatever is the reason, you can use a personal loan for anything.

Repayment period of a personal loan:

The repayment period for a personal loan ranges between 12-60 months. To save money that you pay as interest, some people repay their loan in full before the tenure is completed. Some people use the entire tenure to repay the loan while some people prefer prepayment and some even make partial prepayments.

What is a personal loan prepayment?

In general, when you get a loan, you repay the loan in EMIs (equated monthly instalments) till the end of your loan tenure. However, few people might have surplus cash available with them, which is more than enough to close their loan by paying the outstanding principal. By doing so, they can save a huge amount of money which would have rather been spent as interest amount. Based on the lender chosen, prepayment penalty can also be charged.

What is a personal loan partial prepayment?

You can close your loan partially, which is referred to as a partial payment. In this case, you pay the principal amount partly, when the principal amount reduces, automatically the rate of interest also reduces. Hence, it provides an opportunity for you to save your money.

By paying a small amount, you can save a little amount of money as it helps reduce both your EMI as well as the interest rate. This is the main benefit for opting a personal loan with partial prepayment.

Why FlexSalary?

NBFC (non-banking finance company) provides personal loans instantly, as they quickly approve and disburses funds in an instant. There is one NBFC called Vivifi India Finance Private Limited with its loan offering product called FlexSalary. FlexSalary provides flexibility to the salaried professionals, so they can repay the loan amount either partially or completely.

With FlexSalary, it is very easy to apply for an online personal loan anywhere from a minimum amount of INR 4,000 to a maximum amount of INR 2,00,000. Irrespective of the location, you will be approved instantly on the same day you have applied.

Finally, with a good credit history and surplus repaying of your loan can also build a good credit score.

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Diet for Sciatica in Ayurveda

Sciatica is a common type of pain affecting the sciatic nerve extending from the lower back through hips, buttocks and down each leg. It typically affects only one leg at a time. It occurs commonly when there is any herniated vertebral disc, any bone spur on the vertebral column or there is the narrowing of the spine.

Causes of Sciatica
Sciatica occurs when the sciatic nerve is pinched usually by the herniated disc or bone spur on the vertebral column. In rare cases, it is seen that the nerve is compressed because of tumors or in diseases like diabetes it is seen more commonly.

There are certain risk factors for sciatica as follows-

Age – Age-related issues as a herniated spine or bone spur are the most common causes.
Obesity –Excess body weight can contribute to the stress on the spine which can trigger sciatica.
Diabetes – in this condition due to nerve damage changes seen commonly, sciatica is seen more frequently.
Occupation – Occupations which include carrying heavy loads drive a vehicle for a longer period are seen to have chances of getting sciatic pain.
Prolonged sitting – People who have a sedentary lifestyle or who sit for a longer period are commonly seen affected by sciatica.
Muscle spasms in the back.
Pregnancy
Spondylolisthesis.
Symptoms of Sciatica
Common symptoms of sciatica include –

Lower back pain
Hip pain
Constant pain on one side of the leg.
Pain is unbearable making one difficult to stand.
Tingling pain down the leg.
The Hallmark sign of Sciatica is the pain radiates from your lower spine to your buttock and down the leg. There is discomfort along the nerve pathway.

This pain can vary from a sharp cutting pain to mild pain. It also feels like an electric shock sometimes. Sitting for a prolonged period can aggravate the symptom.

Some of the people have numbness, tingling, or muscle weakness in the affected leg.

Diagnosis for Sciatica
Personal checkups during the routine examination may reveal the condition. There are few imaging tests to confirm the diagnosis as –

Xray – Xray of the spine is can reveal the bone spur.
MRI – MRI spine helps to find out the details images of the spine and soft tissues surrounding helping to diagnose the case.
CT Scan – it is used to do diagnose the case finally.
EMG (Electromyography) – this test measures the electric impulse produced by nerves and the responses of your muscles.
Conventional Treatment of Sciatica
There are various conventional methods for the treatment of sciatica like as –

Physiotherapy – it includes exercises to correct the posture, strengthen the muscles supporting the back improving the flexibility.
Medications – The types of drugs in sciatica are anti-inflammatory, muscle relaxants, narcotics, etc.
Steroidal Injection is also suggested in some cases where the nerve root is also involved.
Surgery – it is the option usually reserved for patients when the compressed nerve causes prominent symptoms like loss of bowel or bladder control, or the pain do not subside though taking pain killers. Surgery can remove those bone spurs or the portion of the herniated disk that is pressurizing on the nerve.
Homeopathic remedies for Sciatica
Homeopathy does not treat a symptom but considers the unique set of symptoms as a whole to address the root cause of the problem. The Homeopathic remedies for sciatica are believed to enhance the structure and functions of the nerves. Homeopathic remedies for Sciatica are –

Hypericum –Studies suggest that this homeopathic remedy may reduce spasms in the lower lumbar region. [Source:https://scholar.google.com/scholar?hl=en&as_sdt=0%2C5&q=Hypericum+for+Sciatica&btnG=]
Aconitum Napellus – Studies suggest that this homeopathic remedy may possess anti-inflammatory properties. [Source: https://scholar.google.com/scholar?hl=en&as_sdt=0%2C5&q=Aconitum+Napellus+for+Sciatica&btnG=]
Colocynthis – Studies suggest that this Homeopathic remedy may relieve the pain caused due to pressure on the nerve ending. [Source:https://scholar.google.com/scholar?hl=en&as_sdt=0%2C5&q=Colocynthis+for+Sciatica&btnG=]
Preventive measure for sciatica
Some types of Sciatica like associated with pregnancy, degenerative disk disease, cannot be prevented. In some cases, it is possible to prevent to an extent by taking certain measures like

Maintaining good posture.
Quitting smoking.
Maintaining a healthy body weight.
Regular exercises like yogasanas, breathing exercises.
Keeping safe from fall.
Ayurvedic Diet Suggested
Recommended foods are –

Brown rice, whole wheat, green gram (moong), horse gram(kulatha), sesame(til), Louki(white guard), ginger, garlic, milk, and dairy products.
An adequate amount of potassium is also essential for managing Sciatica as it provides toughness to the muscles and helps in neuro-transmission. Potassium-rich foods are green leafy vegetables, avocados, white beans, potatoes, mushrooms, banana, Salmon fish.
Chicken, meat, and eggs should be consumed moderately as they cause constipation.
Foods to be avoided are –

Green peas, karela(bitter gourd), Frozen meat, fermented foods, cold drinks, cold water too.
Ayurvedic dietary tips
Take 5-6 pieces each of garlic and clove in a 10 ml sesame oil, heat on low flame for 5 minutes, allow to cool a bit and then apply it on your back with a gentle massage every day at bedtime. This remedy offers excellent relief from back pain, stiffness, and lumbago.
Freshly prepared ginger and lemon juice with black salt is good to relieve backache.
Home care for Sciatica
Self-care at home is necessary to manage the pain factor in sciatica. Stretching or activities that place additional strain on the back must be avoided.

Sleeping one-sided with a pillow taking in between the knees is seen as comfortable in many cases.

Heat and ice therapy alternating can provide instant relief of sciatic nerve pain. Ice pack helps to reduce the inflammation, while heat increases the blood flow to the painful areas giving some relief. Apply an ice pack to the painful area for 15 minutes once every hour and then apply heat for 15 minutes every 2 to 3 hours.

Proper body posture is found essential in helping to relieve the pain many times. Varying the posture after every 15 to 20 minutes is also beneficial.

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Gmail App – Simple Process of Adding another Email Account

Google; is the email giant in the world who recently updated the new feature of adding email account of other services. Now users can access their emails of Outlook and Yahoo in the Gmail application.

The Gmail app in itself is already one great and handy tool. However, many users don’t know that the Gmail app also works as a mail client. Gmail app supports other email accounts apart from Google. Stun by the Gmail feature, here in this article we will describe you how to add another email account to Gmail app.

You can convert your Gmail app into your ultimate email client app. Access several emails from the Gmail app. Irrespective of Google muscles your email, you are on Yahoo!, or you have a modified one, the Gmail app supports all email accounts – POP or IMAP. The app even automatically sets up the incoming and outgoing server settings for other popular email providers. It’s time to consider dropping those other crappy email clients and switch to one powerful tool the Gmail app.

Add another Email Account to Gmail App

To add another email account to the Gmail app, follow underneath steps:

At first, move to your phone’s Home screen.
Now from there, find and open the Gmail app.
From the Gmail app, click on the menu button set on the upper-left corner of the screen.
Now you will see the currently opened Gmail account. Click on the account name on the upper- side of the menu.
The list of available email accounts will be showed. Click on the Add Account option.
Click on your chosen non-Gmail email account. For this instance, click on Yahoo.
Type your Yahoo email address and password.
The Gmail app may ask you for access to your email’s data. Click on Agree and allow access to Gmail and continue to the next page.
Enter your incoming mail server settings. However, most of the email accounts settings will be provided automatically. In case you are using a tailored or corporate email, you will need to enter your incoming server settings yourself.
Click on the Next key to go on.
Now enter your outgoing mail server settings. Again almost every popular email services settings will be fetched automatically. Unless you are using a customized or corporate email, In such case you will need to provide your outgoing server settings manually. Click on the Next button to carry on.
Choose your account options and click on the Next button find situated in the bottom part of the screen.
Pick account name for your afresh added email account now clicks on the Next button.
The newly added non-Gmail email account now seems on the list of email accounts on your Gmail app. Click on the account to access it.
However, adding another Gmail account into the Gmail app would not be a concern for users, as it is a cakewalk process. If you are using Apple devices, the process will remain the same. In case, you face any issue while adding email, you can get help from the Google support page. If you are wondering of Contacting Gmail USA by phone, you will end up getting disappointed as there is no phone support for users by Google.

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