Automobile or vehicles are peculiar in nature, there is need to insure them, they are usually insured against accident, against theft, or any other damage that they may incur or sustain during usage. The insurance cover guarantees or serves as an indemnity against loss of vehicle, and damage to the vehicle that can arise from or in connection with the use of vehicles, it also covers third party risks.

What is Automobile Insurance?


This is a policy whereby an insurer(the insurance company) agrees to insure any form of vehicle specified in the policy document against certain risks or damages or against their loss for the insured( the owner of the vehicle) who agrees to pay premium monthly for this service. There are so many types of vehicles, and in so many countries of the world, the government laws are usually put in place to ensure that all vehicles that are road worthy get one form of insurance cover or the other because of prevalent risks associated with them. The vehicles include private cars, commercial vehicles, tricycles, agricultural and forestry vehicles, bicycles, trucks, lorries, earth moving equipment that move on the road, etc. anything that moves on wheels and runs on the road needs to be insured against one form of vehicle insurance or the other.

Types of Auto Insurance.

There are three main covers under vehicle insurance. They are as follows: third party only insurance cover, third party fire and theft insurance, and comprehensive policy cover. We look at them one after the other.

  1. Third party only vehicle insurance- this provides statutory insurance protection, it covers the insured for death or injury to a third party arising from the use of the vehicle as well as damage to property of a third party. It covers all cost and expense as a result of injuries or damages sustained by a third party. It also covers expenses for the death of a third party, and any compensation required to settle the third party.


  1. Third party fire and theft- this aside from third party cover also provides succor in the event of loss or damage to the vehicle as a result of fire or theft. Fire can cause some damages or total loss to the vehicle, the cover guarantees that the cost of the reinstatement and replacement is taken care of. In the event of loss, the company bears part payment according to what is contained in the policy statement

3.   Comprehensive policy-this also covers third-party, fire, and theft, but in addition, covers all forms of loss or damage to the vehicle by any form of accident or collision even own damage (when one accidentally damages own vehicle). This policy covers also medical expenses, personal effects, the cost of replacement, etc. it is universal in nature. The only thing here that makes it special for it to provide this wide cover is payment of high premium. The comprehensive nature of the insurance makes it that the event of loss of vehicle, the insurer after investigation will make a good cost of replacement.


Erectile Dysfunction Drugs

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Alternative Medicine for Fitness

More and more people are becoming aware of the side effects posed by the use of traditional allopathic medicines with their ineffectiveness in curing some common disorders. Nevertheless, slowly attention is shifting gradually towards alternative medicine, which does not just cure all ailments but do not pose severe side effects.

What Is Alternative Medicine?

This refers to healing practices, which are not the same as those used in conventional medicine. According to the name, they are alternatives to the orthodox medicine for the treatment of ailments and other diseases. Most of these alternative medicines rely on a general health rather than a singular treatment of an ailment. Because of this, the aim of alternative medicine is to make the body and mind more resistant to diseases and stronger rather than the provision of popular cures like orthodox medicines.

Types of Alternative Medicine Systems

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An alternative system has to be divided into certain types, however, this categorization isn’t fixed and concrete, since most procedures follow techniques, use by more than one type. The most common alternative medicine are healing systems, mind-body connections, energy therapies, manipulation and touch, herbal remedies, and dietary supplements. These alternative methods incorporate as follows:

Mind-Body Connections: Practitioners of alternative medicine have the belief that the body and mind have to be harmonized with each other for an individual to remain healthy. Because of this theory, most methods used by alternative medicine make use of techniques that build up the mind and body connection. Some of them fall under the following category.

  • Yoga
  • prayer
  • Meditation
  • hypnosis
  • Biofeedback
  • Art therapy
  • Relaxation therapy

Healing Systems: This is actually an alternative to orthodox medicine because they incorporate different techniques and practices. The healing system has methods such as Ayurveda and traditional Chinese medicine, which dates back to thousands of years before the development of conventional medicine. The healing system of the body is founded on the philosophy that the human acts like a storehouse of energy to cure all the ailments.

Naturopathy: The attention of naturopathy is on treatment based on nature and that aids in the healing of the body by itself. The most common method, which naturopathy incorporates is as follows: massage, yoga, meditation, acupressure, aromatherapy, and herbal remedies.

Ayurveda: This is a botanical medicine, which is as complex as conventional medicine. This alternative medicine began more than 5000 years ago and is still flourishing because of the effectiveness of the cure. In nature, it is holistic and relies on the provision of individual cures to different individuals based on the disorder being suffered by the person. Few of the methods that make use of the alternative methods include meditation, yoga, herbal medicines (botanical medicine), and massage.

Homeopathy: This is a system that has been tested over time and makes use of small doses of some can of substance, which arouses the body into curing itself.

Manipulation and Touch: This makes use of human touch in moving or manipulating some nerves, muscles, or parts of the body such as osteopathy, massage, acupressure, chiropractic, spinal manipulation, and craniosacral Therapy

Energy Therapies: Most alternative medicine methods are based on the theory that in the body there is a constant flow of energy via the body. According to this theory, the blockage of this energy to some area of the body can result to poor health or sickness. The aim of energy therapies is based on the restoration of good health by balancing or unlocking the energy through different procedures. The methods that fall under this category include polarity therapy, magnet therapy, touch therapy, acupuncture, and reiki.

Dietary Supplements and Herbal Remedies: The most comprises of ingredients, which could be herbal or natural, and are used over conventional medicines either as holistic therapy or as a cure. These remedies could include lemon grass, chamomile, gingko, ginseng, selenium, and bentonite clay. These are all botanical medicine. In most situations, these supplement and herbal medicines are secure; however, the notion that there aren’t any side effects when using these herbal medicines and supplements is false. Most of the natural and herb medicines have their own side effects, but if you compare it with conventional medicine side effects, these are generally few.

Healthy And Beauty Lifestyle Ideas


There are several mental and physical benefits linked with living a healthy lifestyle. Most individuals included, children and adults are living a hectic, fast-paced, and under-nourished lifestyle, it is the reason for their constant visits to the doctor, missing work and having injuries have increased tremendously. The human body is like a machine that needs a regular physical activity, relaxation, mental rest, and appropriate nutrition in order to function at its top level. As a vehicle is created to be driven at a high rate so also does the body needs the cardiovascular system and various muscles in the body to be exercised. In this way, the organs are stimulated, toxins eliminated, and the soft tissue within the body is flooded with oxygen and blood. The consumption of a nutritious, well-balanced, and whole foods diet will guarantee that your body gets the nutrients it requires for it to perform the bodily functions needed to tolerate life. Additionally, the immune system is boosted thereby warding off common diseases. There are numerous benefits of living a healthy lifestyle. The following are some of them:

  • Increasing the overall stamina and strength
  • Reducing the risk of stroke, heart disease, and diabetes
  • Improved strength, flexibility, and joint stability
  • Increase one’s lifespan
  • Improve and increase range of movement
  • Maintenance of the bone density
  • Prevention of bone fractures and osteoporosis
  • Improvement of self-esteem
  • Improvement of one’s mood and sense of wellness.
  • Reduction of symptoms such as depression and anxiety.
  • An improved clarity and sharpness of mind.
  • Reduced stress
  • Improved memory in elderly people


People with a sense of fashion and lifestyle living habit improve not only their mental wellness but also their physical wellness. People, who do this, live a healthier lifestyle and feel more comfortable. With the hectic lifestyles exhibited by many people, they forget about paying attention to their own health. The truth is that even if an individual put aside a little time to their health, personal fitness, and nutritional requirements, they have the chances of increasing their level of productivity and focus. They will also have more energy and time to devote to family, friends, and work.


When you have a sense of fashion and lifestyle of fitness and good health, you tend to feel in charge of your life. As a result of this control, you have the opportunity of trying new activities. It is true that individuals who are healthier perform better than their fellow workers who are not. They obtain more fun from activities they get involved in with others.


Being fit enables one to participate in various activities willing or make a choice of which one not to participate. Since the participation in physical activities is related to increasing one’s overall stamina and strength, the individual becomes more confident. This increase in stamina and strength also help in improving your self-esteem.


Disease Prevention

When you embraced a fashion and lifestyle filled with fitness and good health, you minimize the risk of contracting diseases such as osteoporosis, asthma, heart disease, diabetes, and several types of cancer. Additionally, a healthy lifestyle reduces the chances of falls and injuries, blood pressure, stimulates low blood pressure, and improves mental health. It can also help in overcoming insomnia.

A healthy lifestyle has many benefits associated with it. A healthy individual tends to feel in control of their life and confident about themselves. Additionally, the stamina and strength will increase, giving room for participation in new activities. A lifestyle with a conducive fitness, good health, and mental well-being can reduce the chances of one contracting various ailments and diseases.

Do fashion and lifestyle go together?

For many that will be a no. However, the answer is yes. Lifestyle is reflected through fashion and so is fashion reflected through lifestyle. Fashion is a way of life, it is the way we dress, wear our accessories, what we wear, how we buy it, where we buy it etc. perhaps if you have a higher and better lifestyle with income that is higher, you could afford better designs with fashion that is varied from those of lower income. You can afford top fashion brands, nevertheless, as a result of the global market, you can still have access to fashion brands at affordable price. This has made fashion and lifestyle inseparable. Therefore, it is important to know that one influences the other.


Cosmetic Product Shopping

Cosmetics are used in enhancing one’s appearance. For many centuries, makeup has been in existence. The Egyptians were the first to make use of cosmetics in enhancing their beauty. During those days, it was merely eye coloring, but nowadays, there are many beauty and cosmetics products and they play a vital role for both male and female. Men have become more conscious about their looks as the women. Cosmetics can be made in the hypoallergenic and organic form to meet the demands of users. For most people, makeup is a way of helping them build up their confidence and self-esteem as an individual. The significance of beauty and cosmetics products have increased as many want to remain attractive and young. These cosmetics are available in various forms such as perfumes, lipstick, creams, hair sprays, eye shadows, nail polishes etc. cosmetics such as colognes, gels, and creams are used daily by both men and women. The cream acts as a cleanser for the face in different situations. Recently, different types of cream – anti-ageing creams have been produced to help people retain a younger looking skin for years. Cosmetic creams serve as food for the skin that is dry, hard, and chapped. They help in softening, lubricating, and removing undesirable dirt from the skin. Lanolin and Vaseline are among the popular fat creams. The best cleansing agents are soap, water, and water. In the beauty industry, hair care is the fastest growing product in the market. Most young men turn to gels and oil in maintaining and styling their hair. Products such as lotions, oils, and hair gels are manufactured to fight against dandruff and protect hair fall.

Disadvantages of beauty and cosmetics products

There is an advantage and disadvantage to everything in this world. A product that has numerous benefits to the skin also has its disadvantage. As you may be aware of, people to attain an elegant, beautiful, and stylish look use makeup and cosmetics. Nevertheless, if you are making use of these products, you should be conscious of their dark side. It is a fact that beauty product helps in attaining charm and beauty, but they do pose a threat to us. Their side effect may result in cancer. Another is skin infection as people suffer from allergies and irritation, which is very painful and irritating. There will be red marks all over your skin if you are suffering from such skin infection; this could be worst when you are exposed to pollution and sunlight.

Damage to internal organs: There has been a misconception that cosmetic and markup creams are rubbed on the upper part of the skin and if there is any side effect, it will be on the upper part only. But remember there are innumerable pores on the skin, which aids skin respiration and excretion of waste from the body as sweat. The chemical contained in these products from these pores leaks into the bloodstream and attacks the internal organs gradually.

Acne and pimples: The moment your skin do not have the required capacity in retaining attacks from these chemicals, you might experience various symptoms on the skin including pimples and acne. According to research, 30 percent of patients that have pimples and acne are affected because of the heavy utilization of this chemical in the skin products. This may affect you emotionally, physically, and financially.


Damage to the nervous system: The human nervous system is attacked through the excessive usage of these cosmetic products. The beauty products such as eye shadows, kajal, and lipsticks have high contents of a neurotoxin, a carcinogen, and lead; these cause high blood pressure and abnormalities that you may not be aware of on time.

Skin cancer: The chemical in these cosmetic products are dangerous that they can cause cancer. Parabens and Mercury are chemicals used in the preservation of most beauty brands and can cause cancer

Early aging: The excess use of these beauty products can cause early aging and you may experience wrinkles and lines appearing on your face at a tender age.

Bottom Line

Most people feel incomplete when their beauty and cosmetics box is not with them. Suddenly a feeling of ugliness comes to their thought. According to studies, people make use of at least ten products per day. Do not forget that the quest of trying to attain beauty is never an ending race, so, buy your cosmetic products wisely.