Effective and deep sleep plays a huge role in your overall health.

Sleeping naked can help you get better sleep and night and positively impact your overall health.

There are several health benefits of sleeping naked you are unaware of.

1. Fall Asleep Faster and Sleep Deeper

Creating a sleep environment within the ideal temperature range can have an immense impact on the quality of sleep.

Sleeping nude can help decrease your body’s temperature and help you achieve higher quality sleep.

2. Decrease Stress and Stabilize Your Mood

As sleeping nude helps lower body temperature and produce quality sleep, dozing off in the buff can help decrease stress.

There is an intimate relationship between sleep and stress levels. Treating insomnia has a positive effect on overall mood.

3. Increase Self Esteem and Confidence

A study has found that spending more time naked improves one’s self-esteem and decreases body image dissatisfaction.

It also helps overcome mental blocks and unrealistic standards

.

4. Prevent Weight Gain and Boost Metabolism

Not getting enough sleep can put extra weight on your body.

Stripping down before bed can help you maintain or fix your sleeping schedule and achieve the full recommended seven to nine hours of sleep.

5. Maintain Healthy Skin

Aside from reducing signs of ageing in the skin, the deeper sleep achieved while sleeping naked also helps your skin heal wounds faster.

You should also maintain a consistent skincare routine of Washing and moisturizing before bed.

6. Support Female Reproductive Health

Wearing tight underwear while sleeping can increase women's risk of developing yeast infection, so many Gynecologists recommend going commando as a preventive measure.

7. Protect Male Fertility

Studies have shown that the type of underwear a man wears can have a huge impact on sperm count and fertility, as tight-fitting underwear creates high temperatures that can damage sperm.

Wearing no underwear to bed is recommended to maintain an ideal temperament.

8. Boost Intimacy With Your Partner

Sleeping nude with your partner can help increase skin contact and, in turn, produce a higher oxytocin release than clothed cuddling.

Exchanging pre-bedtime massages is another great way to boost oxytocin and reduce overall stress.

Source: www.casper.com

Conclusion

7 out of 10 Americans said that they have never slept naked.

Sleeping nude gives so many benefits, but the majority of people don't do it.

Only 29% of people sleep naked on average.

Sleeping nude not only just keeps you healthy but it also helps your fertility, sleep and mental health.

Whenever you get the chance, you should always sleep naked and enjoy these amazing benefits.Go get naked!😊

What is Decentralized Finance or DeFi? The Risks and Rewards of it.

What is Decentralized Finance of DeFi?

Today, any kind of financial service, like an insurance claim, loan, asset management, or even stock trading, requires the go-ahead from banking institutions and other middlemen who can seize your assets if you default even slightly.

DeFi cuts the middleman and puts everyone on the same platform, with no need for any bank loan officer if one needs to borrow some money.

To run this transparent and secure Blockchain system, there are Stablecoins, the cryptocurrency tokens tied to Gold or US Dollars, to help avoid volatility.

The Rewards of DeFi

Blockchain transactions are flexible, transparent, automated and highly efficient.

They make no distinction between wealthy people and normal, ordinary customers and run on open-source software.

This explains the crypto market value of 69 billion USD as of August 2021, all in less than two years.

As the total global financial sector hovers around USD 20 trillion, there is a lot of room for crypto growth.

The Risks Of DeFi

While Decentralized Finance is hot, there are next-level risks due to the highly volatile and instant nature of the digital world.

Example: There is no banker or auditor to reverse transactions made in error.

Financial regulators and other entities are moving fast to contain the ‘damage’ to their existing infrastructure with new laws that may be overreaching and controversial.

Full article: The Conversation

9 Smart Ways to Use Your Credit Card - It's Not Just for Instant Payments

Like it or hate it, credit card usage in India is increasing every year.

The number of credit cards issued more than doubled from 2.98 crores in 2017 to 7.02 crores by January 2022.

But many cardholders are unaware of the full potential of this powerful tool.

While credit cards are handy for making purchases, they also offer several other advantages if you use them wisely.

From now on, start maximising the benefits of your credit card.

1. Protection against fraud

Unlike in other countries, in India, you get SMS alerts every time your card is swiped, so if you notice any unauthorised transaction, you can block your card immediately.

If the bank is assured that your card was misused by someone else, it will reimburse your money.

2. Set transaction limits

Another way to avoid your card being misused is by setting limits on your spending amounts.

This is especially essential if you have opted for the wi-fi feature available on your card.

It’s a good idea to set a low limit (about Rs.1,000-2,000) for such tap transactions, while higher amounts will require swiping the card and your PIN.

3. Use 2-3 cards for longer credit period

Experts suggest that you should have 2-3 credit cards so that you have financial flexibility if there’s any problem with a particular card.

You can use one card to pay for purchases till the 15th of the month, then switch to the second card till the 25th and then move on to the third card.

If the bill payments on the cards are due on the 15th, 25th and 30th of the next month, respectively, you will be able to maximise your interestfree period on each card.

4. Auto-pay credit card dues in full

Always pay your credit card bills in full each month before the due date to avoid late fees as well as being penalised with high-interest charges, ranging from 24% - 46% per annum.

The best way to ensure you don’t miss a payment is to opt for the autopay facility on your card.

5. Choose a card according to your consumption pattern

Credit card issuers lure customers by offering a variety of joining benefits and co-branded deals. So, you need to be smart about which ones work best for you as your card usage should be aligned to your spending habit.

6. Use all your cards to improve your credit score

The easiest way to improve your credit score is to have a low credit utilisation ratio.

If your credit limit on all your cards is ₹6 lakh and your outstanding amount is only ₹60,000, your credit utilisation ratio would be 10%.

But if your limit is ₹2 lakh, the ratio increases to about 33%, which is high.

A healthy ratio is below 30%, while the best is considered to be less than 10%.

7. Cashback and reward

Points are the big attractions banks use to get people to apply for credit cards.

These can be beneficial if you know how to use them right.

For example, if you travel frequently, opt for a co-branded card with an airline where your shopping can help you acquire 'air miles' that can be redeemed against flight bookings.

8. Check all the benefits and risks

Before applying for a card, check out all the benefits you can squeeze out of it.

Several premium cards come with an annual fee ranging from Rs.1,000 to Rs.20,000, but they also come with a host of benefits, such as priority check-in and access to airport lounges that have free wi-fi and dining services.

Full article: Economic Times