The difference between cash and stock dividends
The difference between cash and stock dividends

Dividends are when a company distributes a portion of its profit to its shareholders. There are two types of dividends “ cash and stock. The difference between the two types of paybacks are worth noting:

Cash dividend
A cash dividend is a form of cash, check, or electronic payment made by the company out of its profits to its shareholders. Thus, the company pays a part of their income to their investors for the economic value of shares without investing the whole money for its own operations. Yet it causes the EPS (earning per share) rate to drop down to the same rate as the dividend, resulting in financial value transfer. Another outcome is that the shareholders who are the receivers of cash dividends have to pay tax for the value of the shares, decreasing its finial value. However, cash dividends are beneficial as they provide regular income to their investors along with capital appreciation.

Stock dividend
Unlike cash dividend, stock dividends on the other hand are the payment made in the form extra shares rather than cash payouts. It is also known as scrip dividend. When a company is in shortage of liquid cash, it would choose another profitable alternative to distribute dividends to its shareholders and those are called the stock dividends. For example, if a company issues a 4% of stock dividend, it would increase the number of shares by 4%. This is similar to cash dividend in the way that it does not increase the value of the company. If the company pays $10 per share, the company’s value will be $10 million, and that is true even the share is amongst the 7 best dividend stocks in the market. The value remains the same even after stock dividend, decreasing the share price to $9.52 to reshape for the dividend payouts.

Which dividend is better?
Be it a cash or additional shares, it does not affect the company’s profitability. If the company has a turnover of $1 million in earnings by spending 10% of it as dividend, the company is still left with $900,000 of retained earrings after payouts. If the company spends $100,000 in cash or $100,00 worth of extra shares, it is all going to be the same to its current shareholders.

However, it is, in a way, effective if the company declares stock dividend instead of cash dividend because the transfer causes the company’s share price to fall. If a cash dividend equals 5% of the company’s stock price, the investors will experience a 5% low in value of shares. Cash dividends provide income but the shareholders will have to pay tax. It would increase the number of stocks outstanding, shift held-up earnings to paid-in-capital and also reduce the amount payable to its stockholders Like cash dividend, stock dividend does not increase the value of the company. However, a shareholder can keep their share and grow by investing their shares or by selling it for cash dividend.

  • Yeast infections occurrences

    Skin that remains wet always is vulnerable to yeast infections. When the body cannot fight the infection quickly, and its immunity wears off, that is when a yeast infection flares up. Those patients who are diabetic and immunocompromised succumb to them often. Doctors then prescribe strong medication with cream.

    Occurrences and remedies

    Listed below are the various ways and body parts around which yeast infections can occur.

    • It also develops in the folds of the skin. Miconazole cream helps cure the infection that spreads to a large area needs prescription medication.
    • It is like any other fungal infection; it can be found on the feet, which are sweaty. Yeast infection remedies for such cases is to keep your feet clean and free of moisture which will prevent the yeast from growing in your toes. You can use over the counter cream.
    • Throat yeast infection is common in babies who are bottle feeding. If they have not learned to swallow the milk, the remains on the tongues could cause infection. Doctors prescribe oral medicine till it gets cleared up.
    • During breastfeeding, women are also prone to yeast infections. A baby’s mouth changes the pH balance and adds moisture that allows the yeast to grow. The infection spreads under the breasts and causes you to sweat extra. Keep the area clean, avoid sweaty sports bra after a workout. An antifungal cream will clear this up.
    • Yeast infection of the throat affects immunocompromised patients, whether undergoing chemotherapy or they have an autoimmune disease.
    • Vaginal yeast infection is transferred when fecal matter tends to get moved by hands due to improper cleaning or hygiene. Use creams like Monistat and follow up a treatment for three to seven days to kill the yeast.
    • Women are more prone to a yeast infection during/after taking broad spectrum antibiotics. These drugs inhibit normal bacteria growth, which favors the growth of pathogens like Candida. A dose of fluconazole at the start and end of antibiotic therapy prevents yeast infection.
    • Yeast infection is not a sexually transmitted disease since people who don’t indulge in the activity suffer from it.
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  • Gluten free dinner – A healthy idea

    Before you decide to switch to a gluten free diet let us know what really gluten is and how does it affects your body. Gluten is type of protein found in grains. The main function of this form of protein is to give the grain its shape. Some of the grains that are notorious for having high amount of gluten in them are; wheat, rye and barley.

    People who are sensitive to gluten offer suffer from an ailment called celiac disease. In this condition, the body treats the gluten in the grain as a foreign substance and attacks it thus harming the inner lining of the gut. This causes nutrient deficiency, anemia and other digestive related issues.

    There are people who do not suffer from celiac diseases but still are sensitive to gluten found in the grain. The symptoms of non-celiac gluten sensitivity include severe diarrhea, bloating, tiredness.

    To exclude gluten from your diet, avoid having food products made from wheat, rye and barley; some of them include breads, pasta, cereals, beer etc.

    This does not mean that you deny your palate the awesome flavors that are out there. You can still have sumptuous food and pamper your taste buds.

    If for a dinner, you are planning to have soup, rather than going for plain old gluten-rich soup, opt for a gluten-free lentil soup, lentils are rich in proteins and no, they are not gluten-loaded. To add to the taste, add a healthy serving of parsley or other leafy vegetable such as sautéed spinach and garnish it with fresh cream.

    For appetizers, you can treat yourself with chicken salad. This salad has a great flavor, and packs a lot of healthy (gluten free) ingredients. Add a healthy serving of sour fruits and vegetables to a bowl full of chopped cooked chicken. If that is too bland for you then you can pour in a protein-packed peanut dressing which will enhance its taste.

    If you had a rather exhausting day and do not wish to cook anything fancy for a dinner and still wish your dinner to be gluten free, then just add tender steak with chopped mushroom and bell peppers (sautéed preferably) to your gluten free corn tortillas, there you have it, an easy weeknight or weekend dinner idea. Garnish it with a healthy serving of fresh cilantro and grated cheese to make them taste even better.

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  • 6 factors to consider to find the right-sized tires for trucks

    Trucks are used to tackling rugged terrain and off-road travel. Having the correct tire size for trucks is critical as that improves ride quality, braking performance, cabin comfort, fuel efficiency, handling, steering directness, and other factors. However, reading and selecting options can get confusing due to the varied aspects involved in a tire’s overall size. Here are the factors to consider while zeroing in on the sizes of tires for trucks:

    Tire width
    Having the right-sized tire allows trucks to have excellent traction and stability on the road. If the tires fitted onto a truck are smaller or bigger, there is an increased risk of accidents or poor ride quality.
    One of the chief components of tire sizes is tire width. One can identify tire sizes by the unique code number written on them. For example, if the number is P225/70R16 91S, then the width of the tire is 225 mm (“P” stands for “passenger vehicle,” “LT” for “Light Truck Tire,” and “ST” for “Special Trailer”).
    If truck owners want their vehicles to have good road grip and cornering ability, they can select wider tires. Wider tires than the one the truck comes with are factory-fitted and positively affect the ride stability. However, one must only go for truck tires that are just the right height. Such tires can increase friction and rolling resistance and, as a result, reduce the vehicle’s fuel efficiency. Also, broader and heavier tires make the steering feel heavy and less stable.
    Tire width also needs to change depending on other factors. For example, narrower tires can provide some good traction on snow during winter, but stability issues will arise again if one goes too narrow.
    Similarly, it makes sense for truckers to go for broader truck tires if their vehicle has immense horsepower and torque. In such cases, the wider tire will provide better acceleration and reduced dangerous wheelspin.

    Tire height
    All these size-measuring components, such as tire height, width, and others, are relative to the measurements of the factory-fitted tires that come with trucks that owners purchase from their local dealerships.
    Taller tires are the ideal choice for increasing the ground clearance of a truck. As a result, selecting such tires means that trucks will not have scraped underbellies even when their owners drive them over rough, undulated, and unforgiving terrain.
    However, the boosted ground clearance comes at the vehicle’s overall handling cost. For example, taller truck tires translate into increased body roll while cornering.
    Additionally, if the tires are too tall or wide, there will be rubbing on the inside of the truck’s wheels, resulting in the frequent wearing of both the tires and wheels.

    Wheel diameter
    In P225/70R16 91S, the 16 denotes the wheel diameter of the tire in inches. As the name implies, wheel diameter is the measurement of the alloy or steel wheel fitted inside the truck tires. The wheel diameter is critical as it also influences the tire thickness.
    Larger wheels will need larger tires. Using more extensive and taller tires, as seen above, will negatively affect the ride and handling of a truck. Therefore, one needs to be careful while selecting wheels. Wheel diameter is a valuable metric for tire buyers as it enables them to select just the right size of tires for their vehicle.

    Aspect ratio
    The number right next to the slash in P225/70R16 91S is the aspect ratio of truck tires. The aspect ratio indicates the overall profile of truck tires. Usually, this number is denoted in percentages. To calculate the aspect ratio, tire makers divide a tire’s height (from its wheel rim) by width. So, the aspect ratio of 70 percent in the above numerical example translates into the tire’s height being 70 percent of its overall width.
    Tires with a lower aspect ratio, say, 60 percent or lower, offer better handling and road grip than higher ratio tires. In return, the ride quality of lower-ratio tires is worse than those with higher aspect ratios.

    Construction type
    The letter next to the aspect ratio in P225/70R16 91S is the construction type of the tire. These generally have two classifications – R for radial and D for diagonal. Now, radial tires are among the most used ones across the country. These tires have their internal ply cords oriented in a radial direction, meaning that they are at a 90-degree angle to the direction of rotation of the tire.
    While selecting tires, one must select these as they offer higher road grip, better mileage, greater ride comfort, higher reliability and durability, and lower rolling resistance.

    Speed rating
    The speed rating indicates the capability of a tire at a particular speed based on the lab tests run by tire makers. In the example, the speed rating is the last number accompanied by the letter S. A vehicle with a speed rating of 120 can cruise at that speed in their truck without the fear of damaging the tire. The higher the speed at which one regularly drives their vehicle, the greater the speed rating should be for their tires.

    Conclusion
    By carefully considering these listed elements before buying tires, owners can ensure that the tire sizes are perfect for their specific trucking requirements.

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  • Cheapest 4G Phones you can buy at the Sale

    With the advent of 4G technologies, the 4G phones sales graph has jumped tremendously. You can always avail 4G cell phone deals if you try to buy the same from any sale. Below are listed some of the unique and best 4G cell phones which you can try and purchase at the 4G phones sale.

    ZTE Blade Q Lux 4G

    This is one of the cheapest smartphones which you can buy at the 4G cell phone deals during the sale. The 4G phone sale price for this smartphone is $77.270. The 4.5-inch smartphone is powered by a quad-core processor. This phone has 1 GB of RAM and offers up to 8GB of internal storage. It has a 2,200 mAh battery and runs on Android 4.4.2 KitKat.

    Swipe Elite 2

    This is another of the best 4G cell phones which can be purchased through 4G cell phones deals with any sale. The base price of Swipe Elite 2 is $ 70.24 and the device sports a 4.5-inch display. It runs on 1.3 GHz quad-core processor which comes with 1GB of RAM. The users can expect 8GB of internal storage which can be further extended to 32 GB capacity through microSD cards. This is one of the best 4G cell phones that can be purchased at the sale.

    Phicomm Clue 630

    The 4G cell phone deals get a bit exciting with Phicomm Clue 630 which comes with a 5-inch display. The smartphone which is available for a base price of $75.58 is another of the best 4G cell phones available at any of the sale. This smartphone comes with 8GB internal storage and has 64 GB of microSD card support. The smartphone is equipped with 2300 mAh battery which is capable of delivering a talk time of around 7 hours. One of the amazing 4g phones sale that you will find in the consumer electronics market.

    Lenovo A 2010

    You can also look forward to buying the Lenovo A 2010 at any of the 4G cell phones deals. This is one of the cheapest 4G smartphones from the store of Lenovo and is priced at $ 77.52. It comes equipped with a 4.5-inch display and has 1 GB of storage. Lenovo A 2010 has a 5MP camera with LED flash on the back. This smartphone comes equipped with a 2,000 mAh battery and is available in white and black colors.

    Phicomm Energy 653

    This smartphone can also be purchased from any of the 4G cell phone deals and comes with an HD screen. Phicomm smartphone comes with a 5-inch display and is powered by 1.1 GHz quad-core Snapdragon 210 processor.

    If you are looking for best 4G cell phones, Phicomm Energy 653 is a viable option as it comes with 8GB internal storage. People who like to click selfies and pictures can depend on this smartphone as it comes with an 8 MP camera on the rear side and has a 2 MP camera on the front.

    Phicomm Energy 653 comes equipped with a 2,230 mAh battery, and the phone is available in black color. This smartphone can be purchased for $ 77.52 and in case you are a smart bargainer, you can expect some additional discounts also.

    The above listed 4G smartphones are some of the best budget smartphones which can be purchased from any of the sales. Panasonic, Micromax, and Xiaomi are some of the other smartphones in the budget category which can be found on sale. These sales are held online, and as a technology lover, you need to keep yourself updated on the upcoming sales to avail all the benefits.

    Before buying any of the above 4G smartphones look for their reviews on technical blog sites on the internet to select the best phones out of the lot.

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  • 3 tips to manage lung cancer

    Lung cancer occurs when cells in the lungs grow uncontrollably. There are two main types of lung cancer. Non-small cell lung cancer (NSCLC) makes up about 80% to 85% of all lung cancer cases and is slow-growing with a better prognosis. Small-cell lung cancer (SCLC) makes up for around 10% to 15% of lung cancer cases and spread rapidly. Some treatment options, foods, and lifestyle changes that can help manage lung cancer are discussed below:

    Know the treatment options
    One of the most important aspects of cancer treatment is choosing the right treatment options. When it comes to lung cancer, individuals usually opt for chemotherapy, radiation therapy, surgery, or targeted therapy. GAVRETO (pralsetinib) is a prescription treatment option for certain cancers including NSCLC. It is mainly prescribed for the treatment of cancers that are caused due to the abnormal rearranged during transfection (RET) gene. These include NSCLC in adults and medullary thyroid cancer (MTC) in adults and children over the age of 12 years. GAVRETO is also a treatment option for cancer that has spread to other parts of the body beyond the lungs. However, GAVRETO has a range of side effects that can be mild or severe. Some common side effects include constipation, fatigue, diarrhea, and musculoskeletal pain while more severe side effects include lung disease, hypertension, tumor lysis syndrome, and lowered wound healing abilities. The healthcare practitioner will be able to determine which mode of treatment works best based on the stage and type of lung cancer.

    Eat the right foods
    While treatment can help tackle NSCLC and SCLC, certain foods can help improve lung function. Peppers are known to be rich sources of vitamin C, which acts as a powerful antioxidant and improves lung health. Turmeric also has antioxidant properties and contains curcumin, which has been found to be beneficial to lung function. One can also add foods such as pumpkins, blueberries, and tomatoes to their daily meals. Pumpkins contain beta carotene, lutein, and zeaxanthin and tomatoes contain lycopene, all of which are known for their antioxidant properties. Blueberries are also packed with nutrients and anthocyanins that help protect lung tissue. On the other hand, greasy foods, spicy foods, and foods high in sodium and processed fats may damage lung health, and therefore, should be avoided.

    Try lifestyle changes
    Aside from food and treatment, lifestyle changes may also help manage lung cancer. Cancer and cancer treatments can be exhausting and take a toll on one’s physical wellbeing. This makes it crucial to manage the fatigue that comes with cancer. Experts suggest managing and prioritizing one’s tasks to prevent overexertion. They also suggest exercising regularly as it helps boost fitness, energy levels, and even the immune system. But, don’t forget to talk to the doctor before starting any exercise program.

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  • 7 tips to remember when buying home appliances

    When buying appliances for home, we need to be very careful, as these are the ones we will be depending on daily. These appliances are used in our daily household chores, without them our life would pause. For example, we need a refrigerator for preserving our food.

    We buy appliances for long-term, unlike other kitchen or home utility products which can be replaced or which have a short life.

    Here are some things you should take care of when buying appliances for home:

    Never impulse buy

    When buying major appliances you need to be mindful. Don’t buy it just because you think the refrigerator looks sleek and has a great design because that is impulse buying it is better to avoid it when looking for major appliances. So, when buying appliances, look for all the features, brand, size, and everything that you need for your home. Even though you know that a particular brand makes the best home appliances, still do your research.

    Ask around

    When buying appliances try learning from others’ experiences. If you have friends or relatives who have recently purchased an appliance that they are not happy with, ask them if they could offer a better recommendation. People are always glad to share their experiences, so listen to them carefully. You can also read reviews of the products you are going to buy or even the review of the store you are going to buy from.

    Know your needs

    If you are someone who doesn’t need the freezer every day, then you are good to go with one of the bottom freezer refrigerator models. If you are someone who uses the washing machine a lot because you have kids, then you should go with washing machines that have advanced features. When buying appliances, the first thing is to know what you want in that particular appliance. Does it serve your need? Will it be useful for your home?

    Make sure it fits your space

    Buying appliances for home is not an easy task, and everybody knows it. Even after careful planning people still, mess up when it comes to space. Always measure the space you are supposed to keep your appliance at. When buying, ask the salesperson about the measurements. Also, be careful with the foyer of your building, most of the people don’t pay a lot of attention to it and end up having dents on their newly purchased appliance.

    Consider useful features

    On a hunt for major appliances, you will see a lot of pretty and stylishly designed products that will be expensive only because they look beautiful. Never rush into things and buy appliances just because you think it will look good in your kitchen or other living space. The appliance should look good, but it should be useful as well.

    Go with the right size

    Some appliances look huge by its exteriors, so be careful with the exteriors. Properly check the interiors of the appliance. Sometimes, the interiors take a lot of built-in space and then when it comes to keeping your stuff, you won’t be able to put much in, and that is when you realize you made a wrong selection.

    Ask about the needs and accessories of the appliance

    Some appliances can be very needy, for example, some cooktops require exhaust fans, and they throw off a lot of smoke, steam, and sizzles. So the best advice is always to ask if the appliance would need anything that you would need to buy.

    These tips will help you in making a better purchase.

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  • Features and benefits of Acer predator

    A positive fact about Acer predator is that it is much similar to its desktop variant when it comes to speed and performance. It will not be a wise decision to invest in the desktop when the same features, hardware, and benefits can be availed in Acer laptops. Acer Predator is a great example of what a typical gaming laptop should be like.

    Acer predator is unique in the sense that it has NVIDIA GeForce GTX graphics and is powered by 6th Generation Intel Core Processor. It also has a standard memory of 16 GB. The HD display and attractive design is another additive of Acer laptops which make them unique in the real sense.

    Much attention has been paid to the design of Acer predator and it comes with black chassis with geometric lines and red accents. The backlight in Acer laptops can be customized on the ProZone keyboard which is another unique innovation.

    Hardware in Acer predator also meets the VR requirements and music lovers only need to plug in the headset for playing music. You should not worry about the performance of Acer predator since it comes equipped with cooler master technology which keeps the heat in check.

    Acer predator can be considered as a solid product for the reason that its lid comprises of 40% fiberglass which makes it more durable than aluminum or any other plastic laptop. It also has a full HD display (1920x 1080) and has G-sync support. It also comes with matte touch technology and offers a brightness of 343 cd/m with the deviation of only 12%.

    Acer laptops generally come with NVIDIA GeForce GTX dedicated memory cards which are based on Pascal architecture. Therefore, these are suited perfectly for full HD gaming experience which can always be viewed in high density.

    Expect the best multimedia power at hand since it comes equipped with Intel Core i7 (6700 HQ) processor.

    If you look at the keyboard in Acer predator, its WASD and other directional keys have been highlighted in red. Additionally, its touchpad, macro buttons, and power buttons are all illuminated which add a distinct touch to the laptop.

    Acer laptops can be expected to offer maximum support to the users as their AeroBlade which is a thin 1-mm metal fan has been designed through advanced aerodynamics which keeps the dust away from the laptop.

    Additionally, its boot up timing is less than ten seconds and it comes with keyboard customization which is a big additive of Acer predator. Bright display and good viewing angles also make Acer laptops a choice of an avid customer who might be looking for a suitable laptop for their personal or professional tasks.

    Acer predator is your gateway to a better future, get one today and experience the magic

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  • 4 useful tips to find the most appropriate hearing aid for yourself

    Whether you will be able to listen clearly or not despite a hearing disability will depend on the hearing aid that you decide to purchase for yourself. Since hearing aids are costly, you need to select your hearing aid properly so that your investment doesn’t go waste and your requirements are also met.

    Here are a few tips to buy the best hearing aid for yourself.

    Get tested
    This is the foremost step to be followed before deciding on a hearing aid. Go to an audiologist or an ENT specialist and undergo a hearing test in a soundproof booth, so that they know what kind of hearing problem you have. Accordingly, they will suggest the appropriate hearing aid machine that caters to your hearing needs.

    Always ask for a demonstration
    After you have taken the hearing test, ask for a demonstration of the hearing aid machine that has been prescribed to you. Use it yourself and see whether it will serve the purpose for you or not. A disposable plug is sometimes used on a behind-the-ear hearing aid, and the device is programmed according to your hearing capability so that you can have a clear idea how it will work for you.

    Consider the add-ons properly
    If you choose from the top 25 hearing aids that are available today, you will get various add-ons with each of them. But it is up to you to decide which add-on is perfect for you and which one is not required. Some have a directional microphone that offers clear hearing even in noisy places, whereas others have telecoils that help in phone conversations. Even wireless technology is available in some models that enable a better experience while watching TV. So decide which add-on will be most useful to you and choose accordingly.

    Have an explicit copy of claims
    Ask for a hard copy of the bill, warranty card and any claims that explicitly states the model number, warranty period, price of the machine, refundable and non-refundable fees and all the relevant details. This will save you from unnecessary problems that might arise from the use of your hearing aid machine.

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