Liquid asset refers to anything that you possess that can be easily converted into cash when you need it. You can find different types of liquids assets like certain investments, cash, and savings accounts. The sum of all these assets, liquid or not, minus the liabilities will be your net worth. Besides your net worth, you also need to be aware of the value of the different types of liquid assets you own. This will help you understand the amount of cash you can readily access if you face a financial crisis. While investments like mutual funds, stocks, bonds, and market funds are considered to be different types of liquid assets, real estate, on the other hand, cannot be regarded as liquid simply because selling property can be a time-consuming process and you are not guaranteed to get the market value in return on selling it. What is liquidity and why is it important The liquidity of assets is vital for financial emergencies. For instance, if you fall in troubled times and you do not have enough time to try and sell your house, you will need to be able to access funds fast. This is imperative in order to make sure you do not run into debts and you can afford to pay for the basic living costs.

As an adult, most people do not expect to experience skin problems like acne. However, acne is a stubborn skin condition that affects teens and adults alike. No matter what your age, acne can occur whenever. Clogged pores, hormonal imbalances, or lack of proper skincare can cause acne in adults. As one can imagine, tackling acne as an adult can be extremely challenging. If you too are troubled with adult acne, then it is about time to jump on the bandwagon and try home remedies. Home remedies have been used around the globe to combat unsightly skin woes like acne. However, when it comes to home remedies, it is essential to use them correctly. Listed below are some effective home remedies to treat acne in adults. Egg white mask Egg white possesses a myriad of acne-fighting properties that treat existing acne and ward them off from recurring. Steps to follow: Mix an egg white with ½ teaspoon honey and 1 teaspoon of lemon juice. Apply the resulting mask on your face and allow it to rest for 10 to 15 minutes. Rinse your face with normal water. Use this homemade mask twice a week for effective results. Cucumber Among some of the most effective home remedies to treat acne in adults, cucumber works as a cooling agent that alleviates acne irritation and inflammation.

Acid reflux or heartburn is caused by the irregular movements of the lower esophageal sphincter. Approximately 14-20% of adults in the country suffer from this condition. While medicines are best for acid reflux, some home remedies work wonders as well. Here are some effective home remedies for acid reflux treatment. These methods reduce the symptoms and ease pain. Eat fruit Fruits are known to neutralize the effects of acid by their antacid properties. Bananas have natural antacid properties. Consume a fully ripe banana once a day to prevent the acid from coming back up. Apples prevent acid reflux. Have this fruit a few hours before going to bed. Other fruits that can ease the symptoms of acid reflux are cantaloupe, watermelon, and honeydew. Fruits with high acidic content must be avoided. These include oranges, grapefruit, and sweet lime. Baking soda Baking soda neutralizes the acidic substance in the stomach. As a result, even if the juices come up, you won’t feel the pain. Mix one part baking soda with eight parts water and consume it fully. However, do not drink more than one glass a day. The high salinity in this mixture can cause other side effects so use this remedy sparingly.

Smoking is a hard-to-break habit due to the presence of a highly addictive chemical, nicotine. Smoking is hard to quit because your body and brain quickly get accustomed to the addictive chemical. Consequently, a person will need to smoke regularly to feel normal. People start smoking for a variety of reasons, sometimes even due to peer pressure. A majority of smokers never expect the habit to become an addiction. Hence, it is advised to quit smoking. However, if you are someone who started smoking or is a regular smoker for years, it is time to quit. How to quit smoking? With determination and awareness, the process can be much simpler than you can imagine. Here are some simple yet effective ways to quit smoking for good. Fix a quit day No matter how hard it may seem, decide to quit smoking and set a specific date. Make sure the day is not too far away so that you do not change your mind. Set it, giving yourself enough time to prepare for a non-smoking phase. You can choose to: Quit immediately or continue smoking until the quit date. Quit gradually by smoking the number of cigarettes on a daily basis until your quit date and then stop.

If you have a bad credit score then it affects your chances of getting a loan at the best rates. We tell you various tips and tricks on how to improve a bad credit score. These tips can be easily implemented to help you get a good score. Don’t use your full limit If you want to know how to improve a bad credit score then one of the first things to do is to manage your credit utilization. Most people are tempted to use the full credit they have, which can lead to problems. You should use only 50% of your credit at any time. Ideally, your balance due should be 30% of your credit limit. Check your credit reports To improve your credit score, you need to know what has gone into its calculation. For this, you need to obtain a credit report. You need to review the report to understand what is in it. There is a possibility that there may be mistakes in your credit report. These mistakes may have affected your credit score. Review the report and if you find something wrong, report it immediately and get it fixed. This is one of the first things you need to do.