Expert's advice: Cold weather is increasing, do not take medicine indiscriminately if you have a cold As the country, including Kathmandu, has started to experience extreme cold, experts have suggested not to buy medicine if you have a cold this season. Children and senior citizens especially need more care during the winter season. Experts have urged people to take necessary precautions, saying that children are more likely to suffer from respiratory problems, colds, throat infections, stomach aches, etc. during the winter season. Pediatrician Dr. Ramhari Chapagain of Kanti Children's Hospital says that respiratory problems, pneumonia, and 'cold diarrhea' (cold-related diarrhea) are more common during the winter. 'Nutritious food is needed to protect children from colds. Although children need nutritious food at any time, they need it more during winter than at other times. It helps in digesting common diseases,' he said. He also said that all the vaccines pro...
What are the 5 C's of personal finance? What are the 4 pillars of personal finance? ### **The 5 C’s of Personal Finance** The **5 C’s of personal finance** provide a framework to assess financial health and decision-making. These principles are often used by lenders to evaluate borrowers, but they can also guide individuals in managing their personal finances. Here’s what they entail: --- #### **1. Character** - Refers to your financial responsibility, creditworthiness, and reliability. - Lenders assess this through your credit history and payment habits. - For personal finance, it’s about maintaining good financial discipline, such as paying bills on time and avoiding unnecessary debt. --- #### **2. Capacity** - Represents your ability to repay debts or meet financial obligations. - Measured by your income, expenses, and debt-to-income (DTI) ratio. - In personal finance, it involves ensuring your expenses are well within your earnings and having a solid plan to manage loans. --- ...