Welcome to EVLiving.com - An eastern phoenix blog !

East Valley is a booming area within the Greater Phoenix region. If you don’t know what this implies, this means that there is always something interesting that's happening! The question is - how do you keep up with East Valley's awesome places and events when there is little information about it on the web?

We asked the same question, and it has lead to the creation of EVLiving.com.

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What You Can Expect From The Site

Important News - we don't cover every news that simply pop-up within East Valley. That's a newspaper's job; and frankly, that's a bit boring. We handpick only the most awesome and interesting East Valley news for you.

Big Events - EVLiving.com provides you with the significant upcoming events in East Valley. This ensures that you don't miss anything memorable and exciting.

Awesome Spots - as mentioned before, East Valley is a growing area. There is always a new fantastic spot that's worth your interest. We will give you the details and the location, so you can enjoy and experience East Valley yourself.

ELiving.com is a Eastern Phoenix blog that is truly dedicated to bringing you the best of the best in East Valley. We regularly update the site, thus it is a good idea to give us a visit periodically.



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How To Travel On Ferry From Mersing To Tioman

Tioman Island Malaysia is the biggest of the 64 volcanic islands in Malaysia and arranged in the East Coast of Malaysia. Mersing is an entryway to Tioman Island as you can get a ferry from mersing to tioman

Tioman Island Malaysia was founded by Arab and Chinese merchants and sailors very nearly a thousand years back. The voyagers can discover enough settlement to remain as there are a few hotels and chalets in Tioman Island that are sans obligation. 

How To Reach Tioman? 

Coming to tioman structure mersing is exceptionally straightforward and it isn’t very tedious. See beneath how you can reach tioman effectively structure mersing. 

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Ferry To Tioman

Most guests find a good pace ferry from the port town of Mersing (you can likewise take a ferry from Tanjung Gemuk). Buses from Kuala Lumpur to Mersing take around seven hours. When you find a good pace, the bus terminal is around a 15-minute stroll from the pier where ships leave for Tioman. 

You’ll take one of the three day by day ships over to Tioman. Plan on any event for two hours for the excursion. Timetables are influenced by tides and tempests, and vessels in some cases need to hold up until there is sufficient water to withdraw. In the low season, just two ships might be running. An absence of travelers may cause wiping out of the mid-evening ferry, so you’ll need to hold up until the last one. 

Note: All guests need to pay a marine park expense at a booth in the Mersing ferry terminal. 

Ships make various stops around the island, docking at the different wharf. Plan to tell the group where on Tioman you mean to get off. On the off chance that you don’t have a booking, essentially state “ABC” — neighborhood shorthand for Air Batang, a mainstream sea shore default. 

Would we be able to Fly To Tioman? 

Try not to rely on traveling to Tioman Island. In spite of the fact that Pulau Tioman has its own minor air terminal (air terminal code: TOD), the administration was suspended in 2014. Berjaya Air once worked day by day flights from Kuala Lumpur. Rather, find a workable pace snatch one of the Blue water Express ships over to the island. You can book the tickets online before getting onto the ship to avoid the last minute hassle. 

The Amount  Of Time Is Consumed In Journey? 

The ferry ride from Mersing-Tioman-Mersing is 1.5 hour to 2 hour it is possible that one heading depends on a few stops/pickups along the island that is Genting, Paya, Tekek, ABC, Panuba and Salang Jetties. The journey is not very long but you need to be present some time before the departure of arrival as the next ferry may take time to depart and you may not be able to enjoy your day to the fullest. In the worst scenario if there are some tidal issues you may not be able to leave on that day. So, it is better to book tickets online in advance and reach the departing spot of ferry at least an hour before.

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Getting a quick loan in Philippiness – a guide

In this article, I’m going to share all the important details about how to get a quick cash loan in Philippines. When you go through this article, you are going to discover the best ways to receive money in your bank when you need it the most. So, stay around to find out more.

Financial short comings trouble you the most when limited monthly salary is already exhausted on predefined expenses. Optimum funds are required by people to settle down their unforeseen fiscal expenditures on time. Get access to easy monetary help by approaching any one of the online lending companies here in Philippines and acquire instant financial offer with simple mouse clicks. There are many leading loan services website on which you can fully rely on to find suitable loan deals as per your needs.

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Borrowers can get hold of fiscal help ahead of their next payday within just a few minutes. These companies provide monetary schemes after confirming some terms and conditions. You should be a permanent domicile of the Philippines. The age of candidates must be 18 years or above. A valid bank account must possess by loan seekers for direct fund deposits. Furthermore, a stable job must possess by borrowers to pay back loan money conveniently.

Lenders may check the credit past of applicants and grant them funds as per their needs and repaying ability. If you are worried about facing rejection against your negative credit profile, then be assured that there are lenders who provide cash loans without past credit check. You just have to do some research on the internet to find the appropriate company that provides cash loans irrespective of having negative factors like foreclosure, IVA, skipped payment, insolvency, bankruptcy, etc. Moreover, you have the chance to make major improvements in your negative credit past after repaying loan money within a specified time limit.

Those unwilling to pay the loan in a single shot can consider short term installment loans, tailor-made for people making repayment in small parts. You can visit www.filipinocashloans.com to obtain favorable choice of loan schemes with minimum rate interest and nominal rate of APR. Carefully look at fees and charges at this website to make right decision.

Procure cash help of C$100 to C$1000 for short tenure period of 15 days to 30 days. With this amount borrowers can easily deal with pending expenses like electricity bill, grocery bill, credit card dues, bank overdraft etc.

Forget the obligations of standing in long queues waiting to hear from lenders. To save valuable time of applicants must take advantage of the online application facility. Remain at home and fill one online application with relevant details and get funds automatically wired in bank account on same day of applying.

I really hope you found this post useful and informative. Do you have any queries or suggestions related to this post? If you have any, feel free to leave your thoughts and opinions in the comment section below. I will try and answer all your questions and take your feedback into consideration.

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Buying A Horse

You’ve finally decided that you want a horse of your own, so now you can simply go out and buy one, right? Well, a horse isn’t exactly as simple to own as a cute little kitten or a goldfish. Before you buy a horse, you will need to find a place to keep it. In addition, you should be aware of how much money you will need to spend to maintain your horse.

Horses need to be shoed, they need to receive vaccinations and they eat quite a lot. You will need to spend quite a lot on bedding, grooming supplies and tack as well. However, the most important thing you will need to do is to be sure you know how to buy a good horse.

There are plenty of horses you shouldn’t buy out there. Some have bad habits like biting, kicking or cribbing which is what horse fanciers call the act of chewing on the edge of a stall. Others are not well trained. Although they may know some of the basics, they are only green broke, meaning they may be willing to wear a saddle, but do not know all of the signals that a thoroughly trained horse knows.

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Some horses are unhealthy. A problem with hooves or legs can render a horse worthless for riders. Owning a horse that can only handle a slow walk around the ring with a child on its back, when you were hoping for an animal that could compete in shows, is heartbreaking for a new horse owner.

Now that you know all of the things that can be wrong with a horse, how do you find the right horse for you? You should be careful about buying horses at an auction or through the newspaper. Instead, ask around at horse shows or other events. Serious competitors often move up to more challenging or flashier horses as they gain experience. Their old, dependable beginner horses are perfect for people who want the first horse.

If you find a horse that you are interested in, ask around before you hand over your cash, especially if the horse has competed in horse shows, barrel racing competitions or other events. Other horse owners will know if that horse has a nasty disposition or always balks at the chicken coop, which is a popular jump at shows. They may even know about the health problems the horse has.

Once you investigate the horse’s background, it is time to call in your veterinarian. Your vet will test your prospective horse’s eyesight, hearing, heart, and teeth. If you aren’t sure how old the horse is, the vet can even estimate the animal’s age by inspecting his teeth. Most importantly, however, your vet will take a look at the horse’s legs and feet. He will be looking for swollen hocks, leg splints or thrush, which is a dangerous hoof infection that often is caused when a horse is left standing in dirty, wet bedding for long periods of time.

Finally, it is time to see if the horse is a good fit for you. Tack him up yourself to be sure he doesn’t have any nasty habits, like refusing to take the bite or kicking and biting. Mount the horse and put him through his paces. Be on the lookout for flaws such as the inability to change leads or the refusal to back up on command. Some of these behaviors can be corrected with the help of a good trainer, but you will want your first horse to be well trained and well behaved.

I hope you found this post useful and informative. In case you have any queries or suggestions related to this post, feel free to leave your thoughts in the comment section below. And, if you want to choose from a variety of good quality horses, I suggest you go for Horse Squad.

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Why are cordless hair straighteners so popular

Nowadays there is no one who does not want to look beautiful and stylish. The hair is the feature that can increase your looks or totally destruct your personality. It all depends on the styles of the hair, so it is clear that styling of the hair is a must-do thing.  One must use the hair straightener to style the hairs perfectly. With the help of the hair straightener, you can make your hair straight or curl in a very short period of time. The best hair straighteners can deal with all types of hair and can prove healthier for the hair eradicating the bacteria and fungi from hair. In this article, I will discuss the features of cordless hair straighteners.

In today’s world, cordless hair straighteners are gaining much popularity among the young generation. So, let’s find out what are the key reasons behind the popularity of these straighteners.

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Diverse Use

This hair straightener has a great deal of the uses and it can make all the styles which are needed by the clients, in this manner this hair straightener can be utilized as a part of both, at home or in the business salons and so forth. As it is cordless, it becomes a very handy, portable and easy to use device for all classes of people.

Ceramic Technology

The plates of the hair straightener are comprised of the fired material. These artistic material plates permit the hair straightener to circulate the hotness equally. The even hotness in the ceramics keeps the hair straightener to harm the hair.

Forestalls Dryness

The hair straightener accompanies the dampness lock innovation. Generally, when anybody styles the hair with the customary hair straightener the hair of the client gets to be unpleasant and dry. However, this hair straightener makes your hair healthier than most other styling tools.

Negative Ions

These are the particles that are created by the hair straightener. These negative particles help to battle with the germs and microorganisms. These negative particles block the development of the microorganisms and growths or and so on. This activity of the negative particles makes the hair healthier and free of the scalp.

Infrared Heating

The infrared heating component of the hair straightener makes it special to utilize. Infrared are the beams that are imperceptible to the bare eyes. These beams enter inside the hair to style them, which does not dry the hair from inside and keeps the dampness secure the hair. Additionally, infrared heating is fast and quick which spares a great deal of the time.

I really hope you found this post useful and informative. Do you have any queries or suggestions related to this post? If you have any, feel free to leave your thoughts and opinions in the comment section below. I will try and answer all your questions and consider your feedback. Also, let me know if you want to find out more about Hair Straighteners. I will be glad to share more insights with you.

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What Is Post Office Savings Account? What Are The Major Features

Post Office Savings Account is comparative from various perspectives to a standard savings account. It is viewed as an exceptionally secure instrument to store assets into and offers the alternative of full or halfway liquidation of assets at extremely a surprising bit of news in the event that the need emerges. These accounts commonly offer an ensured degree of profitability and are perfect for senior residents and individuals who are hoping to acquire a standard salary without presentation to hazard. 

Post Office savings account interest rate is chosen by the Central Government every now and then and is for the most part between 3% to 4%. Interest is determined on a month to month adjusts and credited yearly. 

Post Office Savings Accounts gain a fixed pace of interest as the year progressed, subject to change now and again, as pronounced. Right now, the interest rate is 4%. To calculate the amount of interest you can use the MIS Calculator tool to view the interest amount on your savings. 

Post Office Savings Account Benefits 

Clients who wish to open these accounts approach to check and ATM offices. Some appealing advantages of Post Office Savings Accounts have been recorded beneath: 

Check facility: Check facility is accessible and can be mentioned for existing accounts also. 

ATM/Debit card: For those account holders who have kept up the recommended least parity upon the arrival of issuance of the debit card, CBS Post Offices can allow ATM/Debit cards. 

Minor Accounts: Post Office Savings Account is accessible to minors. For minors under the age of 10, an account can be opened in their name, however, the parent or gatekeeper will be given the right to work the account for their benefit. Minors of 10 years or more can work the account without anyone else. 

Compactness: If you move your living arrangement or are not content with the administrations of the post office branch or for some other explanation, you can move your Post Office Savings Account to a part of your decision. Just one account can be opened in one post office. 

Nomination: The facility to choose somebody is made accessible under these accounts at the hour of opening the account. The account holder can likewise decide to assign an individual to get the returns of this account after their end whenever. 

Joint Holdings: Two or three grown-ups are permitted to hold an account together under the joint account facility. A solitary account can be changed over to a joint account and the other way around. 

Tax Exemptions: Two or three grown-ups are permitted to hold an account together under the joint account facility. A solitary account can be changed over to a joint account and the other way around. 

Electronic Facilities: Customers can make withdrawals and stores through any electronic mode in CBS Post offices. 

Significant stretch for Inactivity: In request to keep the account dynamic you just need to complete one exchange of a store or withdrawal in 3 money-related years. The account won’t be regarded dormant except if there are no exchanges for 3 monetary years.

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What To Choose- Dividend Or Systematic Withdrawal Plan

Investors in mutual funds can structure the manner in which they get the profits from their venture as a profit or capital gains by picking the dividend and growth choices individually. A brisk recap of the manner in which mutual funds produce returns won’t come awry here to comprehend these choices. 

A mutual reserve gathers the commitments made by various investors and puts the cash in an arrangement of value and obligation instruments relying on the speculation goal of the plan. The portfolio procures dividends on the offers held, intrigue income on the bonds and debentures, and capital increases or misfortunes on the protections held in the portfolio. The consolidated returns earned from every one of these sources are reflected in the net resource esteem (NAV) of the plan, which is the net of the expenses related to the plan. 

Picking Desired Option 

Mutual funds offer the profit alternative and the growth choice for investors to choose how they need to appreciate the profits. 

The choice of dividend has been at the foundation of numerous misinterpretations that investors in mutual funds hold. 

Investors accept that the dividend is an extra return they get, similar to the dividends on value shares, far beyond the addition in the NAV. In any case, in a mutual reserve, the NAV speaks to the whole case that every unit held by the financial specialist has on the profits produced by the mutual store and any profit paid is out of this NAV. The NAV will, consequently, go down to the degree of profit paid. 

In the growth choice, the speculator decides to let the venture develop till they need the funds and afterward recover the units as required. In the growth choice, the arrival is adapted uniquely at the hour of recovery. The NAV mirrors the estimation of the units and the profits are permitted to compound over the time of holding. 

What’s The Right Decision To The Choices? 

A superior method to create ordinary incomes from mutual store ventures is to reclaim units occasionally to the degree required. Not at all like the profit alternative where there is no assurance on the measure of profit and the profit choice is made by the store the executives, mutual funds give the office of systematic withdrawal plan (SWP) where investors can determine the measure of cash required and the periodicity and the mutual reserve will execute it by recovering the necessary number of units. Utilizing the SWP choice gives assurance of income that isn’t there in the profit choice. 

The Role Of Taxation 

The profit and growth choices were set up to contend with one another since the tax treatment of profits as dividends and as capital additions were taxed in an unexpected way. 

In any case, with a 10% profit circulation tax presently being forced on dividends that are appropriated and a long haul capital addition tax of 10% on increases over ₹1 lakh per annum if there should be an occurrence of value funds, and a profit conveyance tax of 25% and LTCG of 20% with indexation benefits on obligation funds, the decision turns into somewhat more nuanced.

What’s The Best Option?

SWP can be the best option for this purpose for everyone and majorly for the people who are going to retire soon or who are retired from their jobs to save a lot of taxes and withdraw a fixed amount regularly each month. For this purpose, you can even view some Systematic Withdrawal Plan Calculator and check your withdrawal and taxable amount easily.

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Moss Agate And Its Powers

Throughout the centuries, holistic healers have utilized the spiritual and healing properties found in Moss Agates. Whether it be to bring about the balance or wellness for themselves and their clients, or as a means of healing one’s chakras. However, these healing stones aren’t just for holistic healers anymore! Many people are beginning to take the power of these stones within their own hands. But, how do you find the Moss Agate that will be appropriate for you?

Finding the appropriate Moss Agate for your needs might be difficult. However, once you begin to understand their history and power; it will be easy to select the right ones. The primary use of moss agates throughout history has been for healing or spiritual purposes. However, during these times the gems were thought to be rare. Causing them to be available for a select few. Luckily, today they are more readily accessible to everyone who wants them.

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There are a few people who are skeptical about the powers of these stones. However, the powers of these stones are even recognized by modern science. You may not know that they are utilized in watches, lasers, computers, and even in potencies. Regardless of this backing of science, they still have yet to prove or disprove their ability to promote physical healing in the body.

These semi-precious stones have magnetic powers in varying degrees. Of which many are extremely beneficial for the use of healing on the human form. They are known to emit small vibrations and frequencies that have a strong potential to affect our being. In many different religions and practices, these gems are used for healing, transforming, attuning, and balancing the body mind and soul. Used frequently to activate our own personal abilities to soothe, comfort, heal and balance one’s self in many different aspects.

However, despite the abilities of these stones; many people still have yet to experience the healing ways of these agates. Some of the first steps you will need to know about agates, is how to cleanse them of any past energies.

The agate in question should be cleaned either by leaving them under running water for six to eight hours. Or can also be buried in the earth overnight. Otherwise, you can place them over the flame of a candle until it melts. Once you have cleaned your agate, it should be placed in direct sunlight for purification; as it is a wonderful source of energy.

Remember, you should wear your stones. They are of little use to you when sitting in a jewelry box. Having a healing moss agate with you at all times can help to heal your body, mind, and spirit; with little to no effort on your part. Simply being in tune with the stone, and allowing it to work its energy over your body is enough.

Once you have decided to embark on the quest for knowledge about these healing gemstones, you will need to have an open mind and heart. There are many different theories out there about why and how the healing powers of agates work; however, some can become convoluted and jaded with time. Simply believe in the stones, and allow the energy to work its own kind of magic.

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Some Online Friendships Are Better Than The Real Ones

Some online friends are really far better than your actual friends with whom you do meet on an everyday basis. Friendship does not develop by juts meeting regularly, you need to hold a special bond and mutual respect for each other if you want your friendship to last for longer time periods. This connection can be developed online as well and without even meeting for once. 

People use applications to judge their levels which cannot be correct at all as you may hold a special bond but your thinking may vary with the other person. There is not such a Friendship Calculator to judge your friendship level and comfort you feel when you talk with each other but at least with these calculators, you can sense what your friend’s mindset is likely to be.

When you make friends you look for some similarities for the first time, you look for the vibes and your intuition that may suggest to you if it’s right or not. We can never really judge a person by talking to them once. But, you can get an idea about the other person’s personality by judging the way of talking. 

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Maybe you have a friend to whom you have to know for years and met sometimes even in reality but still can’t get those positive vibes. On the other hand, you made an online friend on some social media account and you get those vibes that this friendship will work. Even when you feel confident and positive from your end the other person experiences the same vibe as the other person can sense it through your tone of talking.

There are many people who have never met even for a single time in their life but still share every feeling with each other. Maybe, the other person is living far miles away from you can connect with your more as compared to those who are just living beside your apartment. If you are able to connect with someone more comfortably, your friendship can work for a very long time. 

Some people are more likely to be interesting while they are texting and when you meet them in person, they turn up into something different for the very first time. There are only some online friendships that work far better than real friendships, but nowadays with the technology taking over we have more virtual friends as compared to real friends and we share most of the feelings with our online friends as compared to the real ones. 

The most dominant part behind these online friendships is the technology and some internet applications which allows you to make more friends by just swiping right to your preferences. There is a very rare case in these type of platforms that your friendship is going to work for a long time as you never know how many people are chatting with each other at the same time and even if you are getting a strong vibe, it can turn out to be a dud with so many people involved. But in case both you have got some similar connections and you are able to connect after all these things your friendship or bind is going to go further for sure.

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Best money transfer apps to use today

There are numerous money transfer apps online that anybody can use. However, it’s crucial to figure out the apps which are the best for the purpose. To make things simpler for you, we present you this list of the best money transfer apps along with their features.

  1. OFX 

OFX is the ideal money transfer app for paying out truckloads of money abroad. The platform supports currencies from many countries of the world. A live exchange rate money converter enables you to secure the most ideal trade rates on the date of transfer. There is no limit to the number of transactions. This is something that is interesting about this app.

  1. PayPal 

PayPal has been around longer than most other money transfer apps. People and businesses all over the world are now familiarized with PayPal. PayPal has a broad system of nations that you can send funds to and it’s protected. For transfers within the U.S., PayPal takes 2.9% commission on the transaction and also a 30 cent fee. For international transactions, above the 2.9% cut, PayPal charges $2.99 for transfers to Canada or Europe, while the rate for other countries is $4.99. The fixed transaction fee changes from nation-to-nation. To find the exact currency exchange rate for a country you can use tools like the PayPal currency converter. PayPal currency converter calculates the transaction fee that PayPal charges and shows you the amount that will be received at the other end. PayPal is an efficient tool for sending funds to remote zones that you may not generally approach. 

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  1. Square’s Cash App 

If you are searching for a brisk and simple app that covers almost all of your bills, then Square’s Cash App is a good option to go with. It does not charge any fee for peer-to-peer transfers. You can even make an available website page that enables individuals to make payments to you without spending anything in the name of transaction fees. This is one of the simplest and easiest money transfer apps to use.

  1. TransferWise 

TransferWise is a perfect pick for individuals who need to send money to family, companions, or organizations globally. Their transaction fees are insignificant contrasted with banks and their currency conversion rates are ensured for as long as 29 hours. Unlike OFX, they don’t have any minimum limit on the transfer amount. This enables you to send a smaller amount of funds if necessary. 

  1. WorldRemit 

WorldRemit is best utilized for the transfer of small amounts to individuals around the globe. With its wide index of qualifying nations, low expenses, and an assortment of ways beneficiaries can get to their money, it’s a handy tool to transfer funds overseas. WorldRemit processes international money transfers instantly, and that makes it an appealing app for global transactions.

Those were some of the best money transfer apps you can use today. There are a lot more apps out there. But, none of them are as good as the ones in the list.

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Benefits of meditation

Meditation was practiced in India for long and there were many benefits that were listed.

People claimed that it can reduce stress, can slow aging, improve concentration and much more. These benefits were too good to believe and hence, researchers from all over the world spent years to find out if it’s all true. So, after numerous experiments, test cases and researches, they found out that not only were these claims true, but there are many more benefits of meditation which most of us don’t know. So, in this article, I am going to tell you about 5 major benefits of Meditation.

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  1. So, the first benefit is that it physically changes your brain. There was a study conducted in 2011 at Harvard led by Dr. SaraLazer found that meditating for just 8 weeks increases your brain size in 3 beneficial areas. The Left Hippocampus which is responsible for learning ability and ability to retain information, The Posterior Cingulate Cortex which is responsible for controlling where your mind wanders and Temporal Parietal Junction which is responsible for empathy and compassion. Meditation just doesn’t grow the good areas of our brain but also decreases the areas which are responsible for some not so good things like the same study found out that after practicing meditation for 8 weeks, there was decrease in cell volume in Amygdala which is the area of the brain responsible for fear, anxiety, and stress.
  2. Now the second benefit of meditation is that it reduces bad feelings. Meditating regularly can help reduce stress, overcome depression and reduce anxiety. Now stress isn’t that bad for us, in fact, a little stress is healthy and can help us keep motivated but in today’s world, most of us take a lot of stress which in turn is not healthy for us. Meditation forms like Om Yoga not only help us manage our stress better but also dramatically reduce the side effects of stress. Studies have shown that practicing Om Yoga can help overcome depression. It is as effective as anti-depressant drugs and results showed that people treated with meditation had 31% fewer chances of relapsing. A similar study in 2014 done by Dr. Elizabeth Hoge proved that meditation helps reduce anxiety symptoms for those who are suffering from a general anxiety disorder.
  3. The third benefit of meditation is that it helps us overcome bad habits. Dorsolateral Prefrontal Cortex is a part of the brain which is responsible for willpower. A study conducted in 2015 proved that meditation stimulates growth in this part of the brain resulting in increased willpower.
  4. The fourth benefit of meditation is that it increases concentration and helps us focus better. Now, there was this experiment conducted where people were asked to perform some extremely boring tasks like finding the differences between drawn lines. It was seen that people who had the habit of meditating regularly performed much better than other people. In our day to day life, we see that people who practice meditation can sit for longer hours in the office and can focus readily on the task assigned. Students who meditate regularly can perform better in studies and can focus better on the courses for a longer duration of time.
  5. The fifth benefit of meditation is that it is extremely healthy. A study conducted on older people at the University of California, Los Angeles found that it decreases the amount of C – reactive protein in the blood which directly correlates with heart disease. The same study found a significant drop in inflammation in the body. Regular meditation can decrease high blood pressure. It also has a direct effect on our body at the genetic level.

So, friends, these were the 5 most common benefits of meditation. I hope that this article will motivate you to join Yoga Classes today.