Wire transfers are a quick, reliable, and mostly safe way to transfer funds online. In fact, when you’re buying a house, wire transfer is your best (and often the only) option given that it makes the funds available to the recipient almost immediately. Wire transfers do come with a fee, though. The fee depends on your bank, the amount, and whether the transaction is domestic or international. 

Conserve limited resources such as water and natural gas. When taking a shower play your favorite song that plays for 4 to 5 minutes. Adjust your bathing activities according to the lyrics and try to finish off before the song ends.

Switch to sustainable energy. If you have a car that runs on gas, buy an electric one next time when you plan on changing it. Take a bus to work or walk to nearby places to avoid polluting the environment. 

If you are cramming for an exam, you probably have less time. Don’t go into the details, stick to the headings, and the main idea. Read the summary and bold sentences. 

You can also read the first few lines of each paragraph to decide if it's important, if it is something unimportant or vague, move onto the other one. 

Body scrubs are great for exfoliating. Many exfoliating scrubs come with salicylic acid which is an active ingredient for peeling off the outermost layer of skin gently. Take pea-sized scrub in your hand and gently rub it over the area you want to exfoliate.  

Intrinsic valuation is a more involved process, as compared to relative valuation where you only have to plug in a numerator and denominator to obtain a ratio.

Intrinsic valuation is what, as per your estimates, the price of the stock “should” be. It’s the actual value of the stock – but again, based on your estimates.

Intrinsic valuation involves discounting the expected cash flows of the company under the assumption that such cash flows will continue into perpetuity.

Here are the estimates you may have to make for an intrinsic valuation:

·        The expected cash flows of the company

·        Earnings growth

·        Reinvestment (planned/unplanned)

·        Dividend Payout

·        Risk (Beta)

Ideally, you’d use an excel sheet to operate the discounting mechanism as you input the figures into the boxes. More experienced analysts use the SOTP (sum of the parts) method, which is nothing but fancy talk for summation of intrinsic value of different parts of a single company.

Non-steroidal anti-inflammatory drugs (NSAIDs) are the main form of over-the-counter (OTC) pain reliever recommended for menstrual pain and profuse menstrual bleeding. NSAIDs include ibuprofen (Advil) and naproxen (Aleve).

These medications help reduce the body's production of prostaglandins. NSAIDs are not as effective as oral contraceptives, but they can help reduce pain.

The best way to keep your entire body hydrated, including your skin, is to drink water throughout the day. You should be drinking at least a half gallon (64 ounces) of water every day. That's eight glasses a day! If you're doing heavy exercise or activities outdoors, you will need more water to keep yourself properly hydrated. Keep a water bottle handy to keep yourself accountable and refill it as needed! To have hydrated skin, you have to start from the inside out.