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 What are 7 steps in personal finance? What is the primary focus of personal finance? ### **The 7 Steps in Personal Finance: Building Your Financial Roadmap** Personal finance is about managing your money effectively to meet your financial goals and achieve stability and security. By breaking it into manageable steps, you can take control of your financial future. Below are the **7 essential steps in personal finance**, followed by a look at its primary focus. --- #### **1. Set Clear Financial Goals** Begin by identifying your short-term, medium-term, and long-term financial goals.   - **Short-term goals**: Saving for a vacation or emergency fund.   - **Medium-term goals**: Buying a car or paying off student loans.   - **Long-term goals**: Retirement or funding your child’s education.   Define these goals using the SMART criteria: Specific, Measurable, Achievable, Relevant, and Time-bound. --- #### **2. Create a Budget** A budget is the backb...

 Morning walk and heart in winter To walk or not to walk in the morning this winter? Don't tell me.' A friend of the health media got a call. "Why?" I asked naturally. "Let's write something about what to do in the cold for those who have or may have heart disease." Oh what a great idea. We were mostly discussing other causes of heart disease. This particular winter month is important for more information. What a good thing you said. In winter, too much cold affects the heart. It is better to give information about this,' I said. Dr. Rajendra Koju "That's why I asked, how many people may be suffering without knowing about it," came the frank words of a journalist friend. As soon as he hung up the phone, something from 17 years ago came to his mind. One cold winter afternoon, I was looking after the patient in the outdoor department after midterm. Around 4 o'clock when it was almost over, a couple of familiar professors came to me. ...

 What precautions should be taken when going for a morning walk in winter? Exercise or morning walk is very beneficial for health. But it is said that it is harmful to go out for a morning walk in Kathmandu in winter. In winter, colds are common in the morning. The harmful particles in the air are fine carbon monoxide, carbon dioxide, sulfur dioxide and nitrogen oxide and ozone, which make the air harmful or polluted. In winter, the wind is less. Due to which the pollution accumulates in one place. In a city like Kathmandu, the cold-hot air column acts as a blanket during the winter season and keeps pollution at bay. That is why the environment is more polluted in winter. Since Kathmandu is shaped like a bowl and the air pollution is high, the air in the morning is also contaminated. In such a situation, doctors say that there will be serious problems in the heart and lungs when going on a morning visit. With the onset of winter, the air flow decreases and cold-warm air forms a lay...

 "Due to pollution, children in countries like Nepal are born with two years less life expectancy" The picture of the lungs placed at the gate of the Ministry of Health and Population shows how much air pollution affects the human body. In March last year, the color of the artificial lungs placed in the ministry was removed after 15 days when the lungs turned black. With the increase in air pollution in Kathmandu Valley, experts urge children, senior citizens and patients not to leave their homes at the same time. Air pollution is a health hazard. In other words, air pollution is directly affecting people's health. There is no part of the human body that is not affected by it. Air pollution is a silent killer. It is not visible. But its impact is very high. It affects every part of our body", chest specialist Dr. Raju Pangeni says. About the effects of pollution on health and preventive measures, chest disease and intensive care specialist Dr. Edited excerpt of onlin...

 What is the risk of diabetes in children? The problem of diabetes in children is increasing, there are various reasons for this. To solve this problem, it is very important to understand its cause. Mainly, there are two types of diabetes, type-1 and type-2 diabetes. Both these types of diabetes occur in children for various reasons. genetic cause If the child has a family history of diabetes, the child is more likely to develop diabetes. Type-1 diabetes is often caused by genetic factors, which include the destruction of the insulin-producing cells in the pancreas. If any member of the family has type-1 diabetes, the child is more likely to develop this disease. Unhealthy lifestyle Today's children consume more junk food and sugary foods. These substances increase the level of sugar in the body, which hinders the action of insulin. Lack of physical activity and staying indoors also increases the risk of diabetes. obesity Obesity is the leading cause of diabetes in children. When a...

 How to pay attention to the child's diet in winter? In winter, the body needs more energy than in other seasons. Therefore, special care should be taken in food. At this time, if the child is not taken care of, there is a risk of suffering from various problems. Therefore, the same kind of food and care is necessary to make the child blend with the external environment. At this time, you should not only wear warm clothes, but also give nutritious and hot food. Parents should pay special attention to the child's diet to keep the child healthy and refreshed in winter. Baby food in winter In winter, children should be given plenty of seasonal fruits to increase their immunity. Fruits like orange, kiwi, amla found in winter are rich in vitamin C, which helps in increasing the immunity of the child. Vitamin C not only protects against cold, but also helps to keep the skin healthy and improve blood circulation. Pomegranate, apple can also be given. Pomegranate increases the level of...

 Depression and suicidality in cancer survivors According to a 2014 study by the World Health Organization in Nepal, 14,300 people die every year due to cancer. According to another report two years later, 30,000 cancer patients are added every year. Officials of concerned agencies say that the number of people who commit suicide due to psychological problems is also high. General Secretary of Cancer Care Society Dr. Sarita Ghimire says that there is no systematic study on the mental condition of cancer patients and their suicide rate in Nepal. However, looking at this situation, his number is alarming. Many people analyze people with cancer from a one-sided angle. However, they did not discuss about their mental condition. Various studies have shown that there is such a problem all over the world. The studies done about their mental problems have shown its terrible condition. According to the data of the World Health Organization, more than 9 million people died from cancer in 201...

 Scrub typhus: a growing health challenge in children Recently, an 11-year-old girl was admitted to Rapti Institute of Health Sciences in Dang due to high fever and physical weakness. Initially, he was treated for a simple fever, but after a few days, his condition worsened. On further examination, it was discovered that he had scrub typhus. In the absence of timely treatment, the disease seriously affected his liver, kidneys, and lungs, resulting in multi-organ failure. The girl was kept on a ventilator, although various life-saving measures were taken, but it became a challenge to improve her health. In the last few years, there has been a significant increase in the incidence of scrub typhus in Nepal. Scrub typhus is a type of bacterial disease that is spread by insects (chiggers) found in wooded areas infected with the bacterium Orientia tsutsugamushi. In children, this disease can cause serious health problems, as evidenced by a recent complex case of multi-organ failure in an...

 Why is breast cancer seen in young girls? After skin cancer, breast cancer is the most common cancer in women. This cancer, which is more common in women between the ages of 40 and 44, is now affecting younger women as well. According to a recent research, cases of breast cancer have been found in women aged 40 years or younger, but the risk of second primary breast cancer is decreasing. According to the American Cancer Society, the death rate from breast cancer has been decreasing continuously for the last few years. It is said that with regular checkups and proper treatment, the risk of dying from cancer is reduced. Also, with the help of early detection, fatal diseases like breast cancer can be avoided. What does the study say? The Harvard Public Health Breast Cancer Study included 1,297 women aged 40 or younger. From August 2006 to June 2015, zero to third stage cancer was diagnosed. In which a total of 685 women were found to have undergone primary surgery. They did a 'mastec...

 Tuberculosis spread in children Experts in this field say that the tuberculosis situation in Nepal is becoming dire because the active model of identifying tuberculosis patients in villages cannot be implemented. A 9-year-old girl was admitted to Kanti Children's Hospital. The parents had taken the child to four private hospitals after experiencing fever, occasional fainting, and flatulence, but the disease was not diagnosed. In the end, he suspected that he might have tuberculosis and administered medicine. The health condition of the girl became serious as she sometimes took and stopped taking medicine. Child respiratory and intensive care specialist Dr. Jagatjivan went to Ghimire. He suspected that the girl had tuberculosis and suggested to be tested. After a few days of testing, it was confirmed that he had tuberculosis. He came in a very serious condition. Tuberculosis had already affected various organs. Ghimire said, "He had to be treated in the ICU for three weeks....

 In which case is the use of diapers harmful to the child? Now diapers are less for the baby and more for the parents. Because after wearing a diaper, the child gets rid of the hassle of making stools and urine. However, the use of diapers is correct to a certain extent, but its excessive use can be harmful. There is a fear of infection especially with the use of diapers. Therefore, the child should be taught to urinate separately and not in diapers. When there is stool-urine, the child indicates something. By understanding that signal, the child should be made to pass stool and urine separately. 1. The child should get used to sitting on a folding seat. However, it is difficult to get used to it. However, if you continue this practice for a few days, it will not be difficult. 2. The child signals before urinating. You have to understand that signal. Small children cannot hold their stools and they can pass them anywhere. However, they should be brought to the toilet as soon as the...