New Wardrobe!

Are you renovating your house or your bedroom? Looking to buy new beds, or considering any other bedroom furniture? How about purchasing some cool and elegant wardrobes for your bedroom? While choosing a wardrobe for your room, you need to consider its location, and its uses. It should match your personal taste and style, and also match your needs. It should be a functional item, and at the same time, add elegance to your rooms.

My flatmates and I recently moved into a new place closer to uni and decided to go on a shopping spree for furniture for our bedrooms. And, we were totally confused about what to go for? With so many options to choose from, our selection process took a really long time.

We give below some of the major considerations, while purchasing a wardrobe:

  • First of all, you need to know the utility of the wardrobe. Most often, it is used for storing clothes, and other important documents and jewellery. So, it has to be strong and sturdy, so that it can provide the necessary safety and security.
  • Well, if you have a kids’ bedroom, then you could settle for some lovely metal framed wardrobes, with lovely patterns on them. These days, there are different kinds of designs and patterns available on the wardrobes, such as princess designs, Ben 10 designs, and other animated characters. And, these can also go quite well with your other bedroom furniture and mattresses.
  • Wardrobes are also available in various shapes, sizes and colours. So, depending upon your requirement, you could choose to go for a bigger wardrobe, or a smaller wardrobe. Remember that it should not overcrowd the bedroom, and at the same time, it should also not be too small, that it doesn’t serve any utility.
  • Just like the beds, the wardrobes are also available in wood and metal. And, both have their own classy looks, and texture.
  • You can also check out the reviews available for the wardrobes. While deciding a wardrobe for ourselves, we went through the reviews of the selected wardrobes, and that made our choice quite easy.

Well, when you consider all these facts, you would be able to purchase the right kind of beds and wardrobes for your bedroom. Remember that these items are purchased for life, and will require a good amount of maintenance. While we went for the wooden wardrobe, what are you going to decide for your bedroom? Still confused, check out the online stores, or visit the actual stores to get a feel.

Your Dietary Habits & Hair Loss

Hi guys, let’s talk about  hair. There are many causes of hair loss, among which your dietary habits is a very important one. Decades ago, before the eating out phenomenon and junk foods became mainstream, people were mostly confined to home cooked food. Fresh fruits, vegetables available locally or sourced from nearby farms, fulsome meals that were not preserved or stored with additives were the norms of the day. In those times, dietary habits had no correlation with hair loss. The problem of hair loss was mostly genetics, disease or medications.

Today, hair loss is caused by many external factors, one of which is dietary habits. While what you eat becomes an internal matter but it is subject to your choice or decision, hence it is something that you can control, which is why it is an external factor unlike genetics and disease.

Here’s what you need to understand about your dietary habits and hair loss. Hair is an extension of the human body. It requires nutrients, water and cleanliness to thrive. Professionals at regaine suggest that if the body is deprived of the necessary nutrients or is given the nutrients that are not essential or undesirable, then you will not have healthy hair. Your hair growth would slow down, your hair will be damaged and will be beyond repair, all of which are precursors to hair loss.

You need to avoid junk foods or those dishes that are high in sugar, salt and saturated fat. You need to gorge on foods that are not cooked in a rush and which are rich in protein, vitamins and minerals. Carbohydrates don’t have much to do with the health of the hair. That is why fruitarians and those who eat lean meats have the best hair. While eating habits or choice of foods certainly play a role, positive or negative, in the hair loss process, what also has an effect is dieting. If you diet too much, such as crash diets or anorexic diets, then you will experience hair loss. If you eat too much which could be binge eating or overeating, then too you will experience hair loss.

You should consider fresh vegetables such as broccoli, spinach and cabbage, fruits such as apples, oranges, berries and bananas, dairy products such as cheese, eggs and milk and white meat or lean red meat. Fish, seeds and nuts are also great for your hair. Finally, you should have ample glasses of water. Aim for eight to ten glasses a day, at least.

Along with a good dietary habit, you must use regaine foam for your hair and scalp. This will help you to combat hair loss and to repair the damage done. There are different varieties for different people; regaine for men and regaine for women.

4 Ways Playing Sports Helps You

The great thing about university is that firstly, the gym is on campus so you can literally slip on your running shoes and be there in 5 mins, but also, you get really cheap gym membership which can also get you into university sport clubs (depending on your uni). This is great for someone who is health conscious because whether it’s football, netball or even a game of cricket, playing sports is beneficial to you. There are so many ways that you will benefit from just one game of any sport, even if it lasts for half an hour. Not convinced? Here are four ways that playing sports helps you.

Get Fit and Healthy

The first is the most obvious way. By playing sports, you increase your physical fitness. The blood gets pumping around the body, and your heart rate increases. You will soon find that you can move around for longer, and will reduce your risk of various health problems that are connected to lack of exercise (as long as you are wearing the right trainers so that you don’t injure yourself).

Lose Weight

Playing sport will also help you lose weight. This is especially the case when used with a healthy, balanced diet. You start to create a calorie deficit, so your body needs to use more of the stored calories to give your body the energy it needs. That leads to you losing weight because the calories will come from the fat stored.

You Feel Better

Mentally, you will feel better from playing sport. Exercise releases the happy chemicals in your brain, so you get a boost in feel-good hormones. It is a natural anti-depressant, and something that everyone benefits from. The more sport you play, the better you will feel (shoe shopping has the same effect on me!)

Socialise With Others

Playing sports usually involves other people. You get the element of socialising with other people, and that helps you in a variety of different ways. First of all, you will feel better knowing that you have friends. There is also the element of wanting to play the sport more, so you improve your physical fitness levels. You can also socialise outside of playing sport, but the games are often where people interact on a common level first.

Isn’t it time that you took up a sport? Think about the ones that you enjoyed playing as a child, and look for teams and clubs in your local area. You really will benefit from joining them. Be sure to research what equipment is required for each sport so you can prepare by having the right running trainers and clothing.

Buying a Used Car

During your student years is when most people get their first car; I only recently got one myself. For the majority of us, our first car will usually be a used one but there are potential risks when you buy previously owned vehicles. It’s important that you get a car check before committing to a car. Don’t think with your heart but with your head. Here’s what you need to consider:


Before you think about which car you will buy, you have to set your budget. If you already have a car, determine how much it is worth and if you sell it privately or exchange it with the dealer.

If you are going to borrow money to buy the car then before you look at cars you should shop around loan quotes. This way you will be able to know what you can afford and if any financing a dealer offers is a good value or not.

Before you purchase a car it’s important that you check insurance quotes, tax rates, fuel and cost of potential repairs.

Inspecting the Car 

When you go to view the car either at a dealership or private location, don’t feel under pressure to make a quick decision. It’s a big purchase and it takes thorough inspection and deep consideration. You don’t have to be a Car checker to thoroughly inspect a used car, but here are a few rules to remember:

  • Don’t view in the rain or at night. You won’t be able to properly check the condition of the car. You want to be able to see the vehicle clearly and from every angle to guarantee you’re not missing scratches, dents and other issues.
  • Get a Car check to establish if the car has been written off, been stolen, has outstanding finance, has been in a serious accident, etc.
  • Examine the car’s document including logbook, serious history and previous Mot check.
  • Check the car’s Vehicle Identification Number (VIN) at the base of the windscreen to make sure that it matches the logbook.
  • Look for rust, mismatching paint, uneven gaps between body and panels and windows.
  • Make sure all the cars features work.

Official Checks

Cars identity

Before you settle on a deal, check the cars identity by going to theDVLA website and check that these details match the ones that the seller has given you:

  • Year of Manufacture
  • First registration date
  • Engine capacity
  • Colour
  • Expiry date of tax disk
  • Tax rate (vehicle excise duty rate)


If the car is three years old or more then there is a series of annual MOT certificates. You can Check mot history online or by telephone by using its registration number and the MOT rest number of the V5C registration certificate. This will tell you the date of mileage readings, previous rests and any reasons for malfunction.

Private Car Check

This is not essential but it will give you peace of mind before you strike up a deal. It will cost additional money but by obtaining a car check or data check it will tell you if the car has been stolen, in a serious accident, the correct mileages and if there is outstanding finance on it.

Test Drive

This is the one of the most exciting part about buying a new used car and also the most important.This is your chance to assess every aspect of the car, including how it feels on the road, how it feels to you, and to make sure that everything works, as it should. Remember these tips: 

  • Test drive for at least 15 minutes
  • Test drive on different type of roads
  • Start the car when the engine is cold and check for unusual noises or smoke
  • Check the gears, lights, brakes, steering and suspension

Buyer Beware

There are great bargains to be had out there on used cars. But that being said, if the bargain seems too good to be true – then it probably is.  If the price is too low or the mileage is suspiciously low for its year, then proceed with caution.

Buying a used car is often much more practical than buying a brand new car off the lot. As long as you use resources available to you and are thorough about your visual inspection, test drive, car checks and MOT checks, you should be able to find a car that helps your brain and heart compromise on the perfect used car for you.

Affordable Vegetable Side Dishes for Fussy Eaters

When you move out for uni, each flat has their own set of rules and agreements. In our flat, we take it in turns to cook for the entire flat and each person has to do it once a week. In my opinion, it’s a good way to ensure that you get a cooked meal often rather than living off takeaways. This can be a problem though if your flatmates have dietary requirements which limit your options and on top of that, shopping budgets have to be kept. One of my flatmates is a very fussy eater, which makes it difficult to cook for her. But after researching kids meal ideas (fussy eating is most common in kids), we’ve found some dishes that she really enjoys (mostly side dishes). So here are some suggestion you can try with your fussy eaters (whether they’re kids or adults).

Baked Zucchini Chips

When zucchini is in-season (May – September) they are an affordable and delicious ingredient for many dishes. A dish that should spark your fussy eaters interest are baked zucchini chips. Baking them will help keep the nutritious value rather than frying them.


  • 1 ½ pounds zucchini
  • ½ cup all-purpose flour
  •  ¾ tsp. found black pepper
  •  2 tsp. salt
  • 3 large eggs
  • ½ cup grated Parmesan cheese
  • 1 1/2 cup plain bread crumbs


  • Preheat oven to 218 C
  • Line 2 baking sheets with parchment paper
  • Cut zucchini into thick chips-size sticks (about 7cm)
  • Meanwhile, arrange 3 shallow wide bowls or plates in a row.

○         In the first bowl stir together flour, ½ salt and ¼ pepper

○        In the second bowl, whisk eggs, ½ tsp. salt and ¼ tsp. pepper

○        In the third bowl combine bread crumbs, Parmesan cheese and ½ tsp. salt

  • Working in batches, dip zucchini in flour, transfer to egg mixture bowl and toss until coated, then coat zucchini in bread crumbs
  • Arrange zucchini in a single layer on the baking sheets
  • Bake for 15 minutes then rotate the baking sheets
  • Continue to bake until golden and crisp, about 7-12 minutes

Sautéed Sweet Corn

There’s a good chance if your fussy eater does eat a vegetable it’s corn (or potatoes). Corn recipes are very affordable and corn is usually something that everybody in the family can agree on.


  •  4 shallots, thinly sliced
  • About 450 grams of frozen corn
  •  ½ tsp. salt
  • 2 tbsp. olive oil
  • ¼ sugar
  • ¼ tsp. ground paprika
  • 2 tbsp. fresh parsley
  • Bacon cooked and chopped (optional)


  •  Heat olive oil in a pan over med-high heat
  • Add shallots and cook for about 30-60 seconds
  • Add corn, salt, paprika, sugar and cook for 8-10 minutes, stirring occasionally
  • Take off heat and add parsley and optional bacon

Glazed Carrots

Carrots are packed-full of vitamins including vitamins A, K, C and B vitamins. Carrots are a relatively cheap vegetable and a little bit of carrots goes a long way. Even if your fussy eater hasn’t been a carrot fan before, this recipe just might change his mind.


  • ½ cup water
  •  ½ cup chicken broth
  • 2 tbsp. light soft brown sugar
  • 1 tbsp. unsalted butter
  • ½ tsp. ground cumin
  • ½ tsp. salt
  • 1 tsp. lemon juice
  •  Ground pepper
  • 2 tsp. minced parsley leaves
  • About 340 grams carrots cut into coin-shapes


  • In a small skillet, combine water, broth, butter, cumin, brown sugar and ½ tsp. salt and boil over medium heat.
  • Stir until sugar is dissolved.
  • Add carrots, reduce heat, cover and let simmer for 4-5 minutes (until tender)
  • Uncover the pan and let liquid cook down until reduces a glaze, about 2-3 minutes

Cheese Peas

Have you been struggling to convince your fussy eater to eat his/hers peas? Perhaps it’s time you try a new recipe that is still as economical and convenient as buying frozen, fresh or canned peas.


  • 1 lemon
  • Ground white pepper
  • Handful of grated Parmesan cheese
  •  Knob of butter
  • 4 handfuls of fresh or frozen peas


  •  Boil the peas until perfect
  • Remove from heat and drain – save a small cup of the cooking water
  • Put the peas in the pan and add the reserved cooking water and knob of butter
  • Stir around and then sprinkle in the Parmesan cheese, stir until every pea is coated with cheese
  •  Add more water if you need. You want them to ‘oozy’ like a risotto consistency
  • Add small squeeze of lemon juice and white pepper

Search for “simple recipes for kids or food groups for kids and you’ll find plenty more.

About Interest Rate Swaps

Hi guys!

As I’m sure many of you will know, it is exam period for many uni’s. I was revising with my flat mate who is on a different course and was reading through his notes just out of boredom. I’m glad I’m not on his course because it seems so complex. Feeling a bit dumb for not knowing what an interest rate swap is, I went away to look it up and here’s what I found.

An interest rate swap is an otc clearing instrument. It mainly depicts two parties agreeing to exchange specific interest rate cash flows, generally based on a specific notational amount. That notational amount usually varies from a fixed rate to a floating rate; it also varies from one floating rate to another one.

How people apply interest rate swaps

Most parties use interest rate swaps for speculation and hedging within the financial market. The most common scenario where parties utilize interest rate swaps involves, naturally, mortgages.

The scenario starts with a person who has a fixed rate mortgage. If their neighbour or another interested party has a floating rate mortgage, you might want to swap rate with your neighbour for various reasons, usually economic reasons. This especially works if your neighbour wants to have a fixed rate instead.

Instead of swapping each other mortgage, as they say, they instead make a mutual agreement to pay each other’s’ swap rate. The first party (you) would pay your neighbour’s fixed rate, while your neighbour pays the floating rate, usually indexed to what’s known as a LIBOR rate.

Both parties are still responsible for paying the original mortgage payments on their houses, but they’re also responsible for exchanging the difference between the rates (in cash). The agreement is essentially supposed to swap rates between both parties, hence the name interest rate swaps.

Why people use interest rate swaps

Interest rate swaps are more common than most people assume. They’re a necessary transaction for parties who want to swap mortgage rates with one another. Instead of having to completely restructure their mortgages, swapping their interest rate instead affords them a better mortgage rate.

Interest rate swaps are pretty common to the financial market, mainly due to the aforementioned reason. There are several reasons why people utilize interest rate swaps in the first place, besides just mortgage.

Some fixed rate income investors might expect their interest rates to fall. Instead of restructuring their investment, they choose to swap rate with another party (buying a floating-for-fixed swap rate) to pay a lower (floating rate) in exchange for their old rate.

People with hedge funds also utilize interest rate swaps to capitalize on different financial opportunities, usually arbitrage opportunities tied in the corporate credit market. Interest rate swaps and otc derivatives clearing are utilized around the world, from the standard clearing house to the biggest financial institutions.

For a better explanation of what it is, feel free to watch the video below :)

Yoga and Chiropractic: A Mind, Body and Soul Experience

My experience of gyms and sports clubs is that they are very male oriented places where I felt out of place. So I looked into the health benefits of yoga and decided to take up a class and I am loving it despite having to visit a chiropodist for a yoga-related foot injury.

Yoga has become an integrated lifestyle structure for individuals who, like myself, seek fitness, health and spiritual connections.

Physically yoga improves flexibility, core strength, endurance and stability. It also has been proven to naturally lower blood pressure and is a natural stress-reliever. Perhaps the best use of yoga is for it’s powerful effects on the mind. Yoga teaches you breathing and postural techniques that free your mind of negative thoughts, unnecessary fears, and unproductive habits by forcing you to become more aware of yourself and your surroundings.

Through yoga you are tuning your body’s musculoskeletal body and nervous system and that is the foundation of chiropractic care. In yoga the primary focus is on aligning your mental and spiritual outlooks but chiropractic care can help align your physical body to fully appreciate the power of the two holistic medical approaches.

Furthermore, rather you are novice or expert to yoga; there are potential injury risks. This can happen to those who are new to yoga and have been using the wrong techniques or movements in certain positions. On the other hand, sometimes, even the seasoned yogi can get out of alignment and need a visit to a chiropractor can guarantee that you are aligned rather than hurting an existing misalignment.

According to a physiotherapist I know, the three most common yoga injuries are:

  • Neck strain: Postures such as ‘The Plow’ can cause increased pressure on your vertebrae and neck muscles.
  • Yoga butt: This pelvic misalignment can be caused by repetitions of ‘Sun Salutations’ and ‘Ashtanga’.  This can cause the hamstring to become inflamed or tear if the misalignments are not treated.
  • Hips flex strain: This is common for those who focus on core yoga postures. Pain at the front of the hip can be a sign of an underlying imbalance because you’ve used the hip flexor muscles rather than your core muscles.

You should pay attention to your body and do not take any pain or burning sensations in your ligaments and muscles as ‘yoga working’. It’s important that your body is aligned physically so that you can reap the benefits of yoga.

Both chiropractic care and yoga are on-going process that require your commitment to the education as well as the physical process of both holistic medical approaches. While you might be able to achieve benefits by doing yoga a few times or fix an ailment by visiting an osteopath once or twice – the true healing power is in the long-term plan.

Your age is determined by your flexibility, stability, mobility and state of mind. By combining chiropractic and yoga, you can remain as physically young as your soul.