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It may surprise you to learn when you visit your doctor for your next yearly exam, there’s a forty-three percent chance you’ll be advised to get unnecessary medical tests. This is according to a study published in the American Journal of Preventive Medicine. These unnecessary tests could include anything from a simple EKG performed in your doctor’s office to a CT scan.
While some unnecessary medical tests simply add to the burden of health care costs, others have more serious consequences such as exposure to radiation. Each time you undergo an x-ray, you’re exposed to varying doses of ionizing radiation. Even though the dose is small, the effect is cumulative and over time the damage to DNA, your genetic material, adds up, increasing your risk of cancer. If you happen to undergo a CT scan, you’ll be exposing yourself to a dose of radiation that’s up to two hundred times that of a conventional x-ray. There’s also the chance that the results of an x-ray will be equivocal which may necessitate further testing.
This isn’t to say that x-rays and CT scans aren’t sometimes necessary; it may be that they’re simply overprescribed. A doctor may have your best interests in mind when he or she orders a x-ray or CT because he doesn’t want to miss something serious. Keep in mind that doctors had to make diagnoses in the past without the ready availability of CT scans, forcing them to sharpen their diagnostic skills to provide the best care for the patient. Have doctors gotten lax with their clinical skills due to the easy availability of more advanced testing? Even more concerning, is this putting your health at risk?
How can you avoid the possibility of undergoing unnecessary medical tests? When a medical test is ordered, your doctor should be able to clarify the reason for the test as well as what he’s looking for. If your doctor can’t give you this information, hold off on the test until you can get a second opinion.
It’s also important to be aware of what screening tests are appropriate for your age range. If you’re under forty years of age, a nonsmoker, without a strong family history of heart disease and no cardiac related complaints, a screening EKG is probably unnecessary whereas blood testing to check blood sugar and lipid levels is appropriate. The more knowledge you have, the less likely you’ll be exposed to unnecessary medical tests.
Communication with your doctor is key to not becoming the victim of unnecessary medical testing. Before choosing a medical doctor, talk to him or her and be sure you understand his philosophy about the use of medical tests. Even more importantly, make sure he welcomes open communication with you rather than simply ordering tests and prescribing medications.
By being aware and informed, you can reduce your risk of undergoing unnecessary medical tests that are both expensive and potentially harmful. Stay informed and be aware. No one can protect your health better than you can.
To sum up, medical tests are a necessary procedure to go through in order to understand the nature of the disease or ailment and how serious the condition is so that a solution can be worked out on how to tackle it without doing much damage to the body. The body is a machine that houses our soul and forms the very basis of our psyche so it is our responsibility to keep it secure and healthy from diseases by eating healthy and doing regular exercises, for which there are medical practitioners online who can provide helpful advice from business point of view like 10 marketing for doctors tips and strategies will help you grow your medical practice so as to serve mankind diligently.
Almost everyone in the world worries about the way they look. Teenagers are especially conscious of their appearance. This obsession with their look ’causes some teenagers to turn to alternative methods to make sure that they look like what they think is attractive. Plastic surgery among teen aged people is becoming more and more common. It’s actually a common graduation present for teenagers who have just finished high school and want to change the way they look before entering college.
Everyone has insecurities. Plastic surgery is a little extreme especially for people who are not even eighteen years old yet. The media gives the impression that it is okay to to undergo surgery to fix whatever it is you don’t like about yourself. With shows that follow people who are getting plastic surgery and showing before and after pictures, many people look to surgery to fix their appearance.
What those shows don’t make apparent though is that plastic surgery might be able to fix your insecurity, but it might not turn out as well as those people on TV. There are a lot of people whose surgeries don’t turn out as well as TV shows. Some people who have plastic surgery don’t get the result they were looking for. Surgeons make mistakes and they end up having more problems than they started out with. It’s dangerous, and many people don’t seem to realize that. All that some teenagers care about is the way that they look and they don’t care or choose to ignore the risks of having cosmetic surgery.
If a surgery goes wrong, or if you have a plastic surgery procedure done by someone who is not licensed to do that particular procedure than Michigan offers cosmetic plastic surgery for the breast in proper manner of surgical odds to have successful results for the patients problem, you may end up having to have multiple surgeries to correct how the first one turned out, and having those multiple surgeries can be very costly.
Teenagers do not need plastic surgery, no one really needs plastic surgery, but the constant images of gorgeous celebrities on TV and in magazines gives people the impression that they are not as beautiful as those people. It makes people feel as if they need to be perfect in order to get attention and that’s not how it should be. Not everyone can be rich and famous, but just because you don’t look like a celebrity does not mean that you need plastic surgery.
Teenagers are especially impressionable when it comes to looks. Plastic surgery is way too extreme of a decision for someone who is not even considered an adult to make. Rather, someone should find a way to make teenagers feel good about the way they look so that they do not feel as if they need to have plastic surgery in order to have higher self-esteem.
Contrary to popular belief, there is money to be made on the internet that is not a scam. You will just have to search carefully and assess if the money-making platform is legit. Listed below are some of those legitimate ways to earn money online. Without further ado, let’s start:
- Make use of already present websites
You can take advantage of existing internet sites for producing income. Included in this are online active revenue and passive revenue. For instance, you can market some stuff that you no longer use that still has value. You can also try to create images via photography or editing, which can be marketed online. Devoting a substantial part of your time and effort to passive income to be able to gradually develop the revenue that will turn up automatically without doing any additional work is a good idea.
Many of the websites mentioned here have their own mobile applications so that you can use them even when you have no access to a computer. Craigslist is one of the websites in which you can offer your stuff for sale. It is simple to market your used items, lease an extra space in your house or flat, and provide your assistance to those who need it for a price.
- Trade Bitcoins
There are online websites and applications that will allow you to trade cryptocurrencies such as Bitcoin. Bitcoin Circuit is one of those platforms in which you can trade Bitcoin on the internet. Making money by trading bitcoin requires some knowledge of cryptocurrencies first, so you will have to study first before trading if you don’t want to have losses.
- Sell as an internet affiliate
You will find plenty of sources for earning money on the internet by being an affiliate. You can get items to sell from sites such as ClickBank, Share-a-Sale, and other affiliate companies. In addition, most of the bigger corporations feature their own affiliate products too. Carry out your research and discover the best corporation with a suitable service or product to your market that you are able to offer with affiliate marketing.
In most cases, you will want to have an active account on the website with considerable visitors to get accepted. Marketing products as an affiliate marketer is not simple at all, however, if you possess a following, you will certainly get a large amount of earnings.
- Begin a blog
In case you are seriously interested in generating income on the internet, go into blogging. Blogging is probably the simplest and most maintainable revenue sources. Provided that the website is built up in the correct way, in the proper market, with the correct material directed at the ideal viewers, you will be able to generate a big, passive income by blogging. All you need to do is start your blog right: create an easy to navigate and pleasing website, great content, and target the audience that is interested in what you have to offer.
Low back pain is a leading cause of missed time from work and a leading cause of disability in the United States. For many low back pain sufferers, the culprit may lie in a condition known as Tension Myositis Syndrome, TMS, in which stress and emotional connections may be a direct result of the low back pain and stiffness.
Tension Myositis Syndrome, TMS, is a condition responsible for low back pain, usually as a direct result of stress and tension. With stress affecting the shoulders, neck, buttocks and, thereby, affecting the muscles, tendons and nerves in our bodies, it leaves no question as to how the daily stresses of our lives lead to chronic low back pain.
In TMS, the primary complaint of back pain is attributed to muscle stiffness and fatigue. While the nerves and tendons also play a significant role, it is the low back muscles which suffer the greatest complication, resulting in a slow and progression deterioration in the strength often not even noticed by the sufferer until pain has become quite severe.
To alleviate the pain of Tension Myositis Syndrome, TMS, you must first learn to alleviate the primary cause of the pain; stress. Whether stress is the result of internal or external factors, it leads to our repression of emotions, thus creating TMS type symptoms. Learning to express emotions openly and constructively, engaging in activities which boost self esteem and avoiding repression of detrimental emotions, such as anger, are the first steps in alleviating TMS pain.
There’s little to worry as our surgeons offer personalized care to all patients and provide moral support to the faint hearted.
Treatment of TMS, often, is not met with great acceptance in the patient. While many of us will seek out medical attention from a healthcare professional when we experience back pain, we do not take kindly to the notion that it is “all in your head”. Still, with a TMS diagnosis, the condition is, literally, originating in your head. As a result, many healthcare professionals, when treating a patient with TMS, will refer the patient for psychological counseling in an effort to address and deal with repressed feelings which will, ultimately, lead to a natural healing of Tension Myositis Syndrome low back pain.
Of important note with regard to treatment of TMS is the mandatory need to discontinue all medical forms of treatment. When diagnosed with Tension Myositis Syndrome, the use of medical intervention, such as therapy and prescription drugs, is not indicated. Instead, these traditional forms of medicine should be discontinued and the TMS sufferer should focus, solely, on the psychological aspect of the low back pain.
As with any medical condition, seeking early diagnosis and intervention is key to obtaining optimal outcomes. When facing a complication associated with low back pain, consider the investigation into a diagnosis of TMS and, when confirmed, obtain the appropriate psychological counseling to alleviate the back pain which has progressed over an extended period of time.
When it comes to the topic of real estate investment, there are a number of things that flash across your mind- what to do, how to do, what if it doesn’t work, etc. etc. Its in the nature of an investor, particularly newer ones in the business, to be doubtful and apprehensive before investing into a pet project or anything else that he wants to.
Upcoming businessman or investors are generally advised against venturing into this field as its full of risks and pitfalls. With tales of downfall far, far exceeding the ones of success.
It is done so for different reasons as the people who have firmly established themselves in the murky world of business are do not always privy or game for competition from newer talents in the profession and therefore prevent the rookies from joining in with them with either open threats (on rare occasions) or, as mentioned above, tales of downfall and penury.
So most people, to be on the safer side, avoid from treading on this path which is seen as a slippery slope to the success that is awaiting at the top and there are only a fortunate few who reach it.
Also, its a known fact that all kinds of investments, be it business or real estate, have their fair share of risks and shortcomings, as there is a famous saying that ‘there is no business without risks and if there are no risks in the business, then it is not a business at all’.
Having ensured this two fold connection between risk and business, a businessman or investor prepares himself, both physically and mentally, to start out on a venture for which he is ready to put everything on the line as he is of the firm belief that these will provide him with financial benefits in the future.
However, the best laid plans of mice and men do not always tend to succeed as destiny and fate have their own roles to play in success and failure of ventures and business and investments are no exceptions in this regard.
More often than not, the carefully planned strategies tend to backfire disastrously on the investors and leave them in ruins, both socially and financially. You need to be very careful when it comes to dealing in finances and if you tend to invest them for something bigger and better, it becomes all the more important to do so.
Today, we are going to talk about condominiums or, as it is known by its short form, condo. Now, what is a condominium? It is quite similar to an apartment in looks and structure but has enough of space for people to occupy and bigger enough to be compared to a room.
A condo plays a very important role for people who are looking out for a small apartment or room to accommodate atleast two people into it, as it is spacious enough to be classified as an apartment and generally cheaper and affordable for paying guests and used for rental purposes.
Condo is unique in that it that the buildings and areas are shared by different families at the same time and the house occupants have access to each others’ houses. The balconies are shared only the rooms and are different.
Today’s topic of discussion is the 5 condominiums for rent that are close to Singapore’s top food spots. Here it is important to mention the Ola EC, an upcoming project firm to be launched in Singapore that will prove to be a widely talked about tourist destination in the years to come with its splendor and grandeur.
Top 5 condominiums:
Its no secret that Singaporeans are fond of food. Who isn’t? But they are the ones who have a natural affinity to and are most of the times seeing munching on some delicacy or the other. Here are some important hotspots for food lovers there:
- The Warner Court: It is full of food courts and restaurants with the choicest meal available for natives and tourists. For night lovers and disco aficionados, that is one place that is not to be missed.
- La Regal: While it is infamous for being close to the red light area, it does not stop food lovers from coming there quite often and fulfill their fantasies and trying out something new to eat.
- City Square Residence: It is just a stone’s throw away from malls that are house to food courts that are serving delicious food to customers, with Chinese food at the top of the list.
- The Kensington Park: There is a famous food centre there that is generally good for suppers and snacks, especially after workout that is called Chomp Chomp.
- The Red House: It is nothing short of paradise for food lovers, with healthy food and complimentary mouth watering desserts with a good discount for frequent visitors.
I’ve done many articles on how to choose the type of life insurance policy you should consider, but recently I’ve had many financial services clients, in an attempt to reduce their monthly expenses, ask if they should cancel their life insurance policies to save money.
In truth, not everyone actually needs or should have life insurance. Before making any blanket statements about who should or shouldn’t consider buying or canceling policies, let’s look at what life insurance really is.
Life insurance is essentially “burial insurance”. Originally – decades ago – it was meant to do nothing more than provide your family with enough money to bury you when the time came. Your policy probably was for under $10,000 and the premiums cost only a few dollars a month.
This type of insurance is called Term Insurance. If your goal is to do no more than provide money for your burial, this type of policy would only make sense in a situation where you have absolutely no other way for your family to handle burial expenses.
A term policy is for a specific period of time. The younger you are, the cheaper it is, but the less chance you have of actually dying. Buying a policy before age 50 is only a good idea if your family simply won’t be able to bury you without financial hardship.
After the age of 50, you should have had the opportunity to provide at least a safety cushion of cash and assets which your family will have in the event of your death. Paying for a funeral should be no problem. If you are leaving this type of portfolio, you do not need a life insurance policy!
However, if your goal is to have a policy that does much more than simply pay for a burial, that’s another issue to deal. You can buy insurance for millions of dollars if you choose. (The insurance carrier needs to approve you for that amount; your face value needs to have a reflection of your true income and lifestyle. In other words, if you are a truck driver making $50,000 a year, you most likely won’t be approved for a $2M policy.)
Any term policy is in effect for a finite period. So once again, you could be paying for a policy that you never use. Granted, everyone can die at any second – horrific accidents, strokes, heart attacks – even a ten year old can drop dead with no notice. I’m not saying you shouldn’t have any type of insurance. I’m saying that you may have the wrong policy for the wrong reason for the wrong money.
Here are some things to think about as you decide what type of policy you need, if any:
- what type of job do you have? The higher the risk, the more you need life insurance.
- Do you have a life insurance policy at work? DON’T DEPEND ON THIS! If you lose your job, you probably lose the coverage. And, if you do die, it takes months and months to get a check. Your family might still have financial problems trying to pay for a funeral.
- what is your income level? The higher it is, the less likely you are to need a policy to provide huge amounts of cash for your family unless you live pay check to pay check. There are some families with income in the high six figures who just can’t seem to save enough money to be of any use.
- Do you have children? They can be added for only a few dollars to term insurance policies. Too many parents ignore the fact that children can die from even simple school yard accidents and find out the hard way they have no money to bury them. Burying a child is just as expensive as burying a parent.
- does your spouse work? Is he/she capable to earning a livable wage? The point here is that some spouses don’t work for decades for a variety of reasons. Frequently a wife will quit work when the kids start coming, and in many instances it’s cheaper for her to quit her job rather than paying for a full time nanny. Other times a woman will marry a man who makes plenty, and she doesn’t “need” to work.
In cases like these, an insurance policy’s face value would be predicated on what kind of money you want to leave behind to help your spouse and family get through their grief and financially manage things until your spouse can get to work. It’s a personal and a financial decision as to how much insurance you want to have – do you want your spouse to live comfortably without needing to work? Or do you want to provide enough for a few months while she gets herself back into the job market – assuming she can find a job that will keep her in the same lifestyle?
- Do you have a low paying blue collar job with little hope of improving your lifestyle? Would your death put your family in financial ruin? You should always have at least a term policy to cover your burial and perhaps leave enough to pay some bills. A $50,000 policy at just about any age can be found for under $40 a month.
Insurance isn’t for everyone. There frequently is no need, especially in situations where you have healthy assets upon which your family can draw.
However, if you are feeling the pinch of the current recession and you are “broke” – take a long hard look at your liquidity structure, your investments, your savings, etc. No matter how much you want to save a hundred dollars a month or so, this may not be the best way to do it. If you cancel your insurance, keep spending your savings, and something happens – your family has nothing to live on. You can always look online for quotes for life insurance to get a better understanding of all the latest life insurance policies and what they have to offer.
It’s one thing to buy jewellery and it’s another thing to go to an auction and buy one there. If you want something fancy that you can wear to a business trip or a ball then, by all means, what you need is simple jewellery.
However, simple is not the style for everyone.
If you have attained a level wherein you can attend upscale events then there’s a need to surpass the typical jewellery that we are all aware of. Unfortunately, these types of jewellery cannot be found in just any kind of store or mall. You need to go to an auction sale to be able to get the most valuable pieces of jewellery.
But in order for your attempt to be successful, here are some tips on how to master jewellery live auctions.
- Research About The Provenance Of The Jewellery
The provenance refers to the history of ownership of the particular item that you are eyeing. Chances are if the jewellery was owned by the famous or people from the royal family, it won’t take long before the price of the item skyrockets.
In that case, if the current price is at a level you can afford, it would be a wise decision to close the deal.
Not only will you benefit from the item as a piece of jewellery but there will also come a time when you will be able to sell it for a higher price. Items that you find in a live auction are often rare. If there is something we know about rare items, it is that their value just keeps on going up.
- Watch The Market
You don’t always to go to an actual live auction each time there are ancient hip hop jewelry sets on sale. There are also websites where you can watch the process of live auctions. This will help you learn a thing or two about the basics.
Most of the time, people who go on online live auctions, are already quite experienced with the process. That way, when the one who has always been eyeing on finally goes to the auction, you would have already picked up some skills that will help you win the deal.
- Study The Gemstones
It is imperative to find out where the gemstone came from. You need to do some research about the origin of the gemstones including the suppliers and the mines where they came from. There will also be a preview session during the action. Make sure that you examine the clarity, colour, and saturation of the item. This is also a good time to check how the jewellery was treated for the past couple of years.
- Decide On A Budget Beforehand
Once you visit a live auction, there is a possibility that all the excitement might start to get into your head. Indeed, live auctions are exciting but you must be careful not to get too ecstatic as you might end up offering a deal too high for your finances. It would be best to have a budget range for the item you want to auction for. This will enable you to make informed decisions during the live auction.
People don’t go on live auctions every day and the first time that you do can be both exciting and intimidating, especially with all the wealthy people exclaiming their high-priced offers. However, with a bit of research and experience, it won’t take long before you will get the hang of all the terminologies and process. Right then, live auctions will start to become a normal thing.
When your relatives die you don’t want to have to think about anything except you can’t believe they’re gone. Unfortunately, the first thing you have to think about is types of wood, marble or cement, lake front, or cedar front, or even a long walk or a short walk. What are all these decision? These are the decision that the widows and relatives have to make in order to bury their loved one. These decisions have to be made within 1 month.
What kind of casket. Does your parent or Uncle need the upgrades the sales person is pushing at you? You have to decide if the $10,000 coffin with everything is the best idea, or if the $4000 casket that has no bells and whistles would be better. The grieved are constantly asked themselves, what would they want? This is the hardest part, because you know they wouldn’t want you to be spending this kind of money. But “they, didn’t know it was going to cost this much, just like you didn’t know it. Why does the price of the casket go up and down depending on how much you stall the seller? Trying to decide whether your realities would want a satin or silk pillow, or whether they would want mahogany wood or cedar is almost too much for anyone who has just lost a loved one. That’s because he is working on full commission. Most casket salesman are either the owners or partners of the mortuary, or they are a commission based sales person. If they can sell the grieved at a higher price, they can get more commission. They pray on the fact that you will feel guilty thinking about money at a time like this.
Then there’s the plot itself. Would they want to be overlooking the water or the trees? Would you mind walking deep into the field, or do you want the plot right next to the car lane? The real question is does it really matter. The plot is being bought for the people who come to see it, not the person who is 6 feet under. Do you realize that you are actually buying a very small piece of land? That’s right you are actually shopping for a piece of the earth. There are a lot more things to think about then just the location. Have you thought of what will happen if the cemetery goes out of business? Is this 6 foot by 4 foot hole in the ground still yours? Where will your relative go when this does happen? These are very hard questions, and questions that should be asked when the person is alive. Remember, this little plot is going to run you upwards of $20,000. When you have a price tag like that, you have to give it some serious thought before you check out.
Add up the numbers above of the casket and the plot and you’re inthe $30,000 range. This is on the cheap side because there are other factors that are not taken in: transportation to the mortuary (most insurance doesn’t cover that), body prep, transportation of the body to the ground, burial costs, and then there’s the viewing and the reception. Many mortuaries are coming up with package deals that include all of these fees and the viewing in one price. However, when you’re looking at over $100,000 how are you going to pay for that. It’s a proven fact that most people do not have the life insurance it takes to bury themselves. Most of the time the entire family has to pitch in, and then they have to take up a donation at the funeral. People begging for money to bury their deceased family members. All in all, you better look into the last days of your body as well as your spirit.
All this adds up to one thing, you should buy yourself an insurance. And you can look online for instant life insurance quotes to get the cheapest and best suited insurance for yourself.
When you have a family, you are responsible for them no matter what. This means that you have to take into consideration the possibility of you passing away unexpectedly. This is an uncomfortable subject but we all have to admit that we are not immortal and thousands of people die every day from stupid causes. So you are always at risk. Considering this you may want to contract a fast insurance to get coverage right away without any hustle and complications. The solution for this is a no medical exam term life insurance which I am sure you have heard of already.
A no medical exam term life insurance can be contracted online after just answering a couple of questions about your lifestyle and health. You will be done in a moment without having to take a medical exam and face those ugly needles. Of course there are some disadvantages when you refuse to take a medical exam meaning you are going to get higher premiums or less benefits.
The policy will get you coverage for a determined time for fixed rates of payment. It is different from the whole life insurance which guarantees coverage for your whole life and which usually requires a medical exam. Such policies are offered by several providers for low premiums but short determined periods, because the likelihood of a mature adult to die unexpectedly in a short amount of time is considerably lower than in a 10 or 15 years period, so the risks the provider takes are reduced. There is a catch: if in the short period the person which contracted the insurance is diagnosed with a terminal illness and the insurance expires, that certain person may not be able to renew the term or get another insurance because of the illness. This is a very unfortunate case and should be taken into consideration.
If you still want to get a No Medical Exam Term Life Insurance, which though it may have some disadvantages, it is a lot better than nothing and can give you good support in time of need, you should know a few things about choosing the best one.
There are two main ways you can do this: search Online Insurance and compare the offers of the providers or ask help from an independent insurance agent which works with a lot of companies and can get you the best offers in a very short time. The second option is usually the best. You can also look for what is the best life insurance online to get a fair idea of what different companies has to offers with their insurance policies.
Nowadays people are brilliant and talented, so they invest in those sectors which yield them more profits. So before investing their money into the productive sources, they should research the market and select the best field to spend the money. If they are thinking of investing their money in a life insurance policy, then they should know which life insurance is more suitable to them. The different kinds of life insurance like term life insurance permanent life insurance and universal life insurance.
Each one has its benefits and advantages, so people should invest after knowing the features of each one. If the person is facing a problem in choosing the best type of life insurance, then they can consult a life insurance agent to solve their query. Therefore many companies started the policy of providing life insurance to the customers by offering them discounts and offers .In this competitive world, everyone wants to attract more and more customers. Owing life insurance is not for personal purposes as it includes various other benefits which make the future of the policyholder safe and protected.
As we know that the customer is drawn towards the company which provides the services at reasonable prices. So every company tries to make their plans affordable because everyone doesn’t want to spend lots of bugs on purchasing life insurances. Some people think that the standard policy is useless, so let me tell you all cheap things are not weak. If you find the best deal of life insurance policy in affordable ranges, then grab the opportunity as soon as possible.
Is life insurance affordable?
Many of us think that the insurances are very costly, so they don’t research and likes to invest in the insurance sector. Let me clear the doubt of expensive policy. Today we can see that in the market things have different prices, some things are valuable while other things are cheap. So likewise, insurance also has two categories some insurance policies are expensive while the others are affordable. So if a person wants to invest in a life insurance policy, then they should consult a life insurance companies or agents to clear their doubts and make and useful investment.
The person should remove the uncertainty from their mind that life insurance policies are expensive and useless. As the company makes the policies according to the demand in the market, which means that they have various plans which provide services at reasonable and affordable prices. If someone is saying that life insurance policies are expensive, then ignore them and once visit the life insurance companies to know more.
If the person has a Life insurance policy, then his family can enjoy its benefit in his absence. In the absence of any family member of the family becomes hard because of the financial crisis. In this case, acts as information which provides monetary support to the remaining members of the family. Sometimes the deceased person has liability and loans, so with the help of a life insurance policy claim, his beneficiary can pay off the outstanding money without any tension and burden. So investing money yields good returns on investment, therefore it does not involve any type of risk factor.