ARTHRITIS OF THE KNEE

 

    Do you suffer from knee pain or weakness daily on your knee? If so, then you may have arthritis in the knee. Millions of people have arthritis. Living with this daily discomfort is hard. This illness causes most of the lost time in a person's work and family life, as well as a disability in some cases.

 What is arthritis of the knee?

     Arthritis in the knee occurs when degenerative changes develop in the cartilage that lines the knee joint. It affects the surrounding tissues and other connective tissues. The protective pieces of cartilage keep the bones in the knee from rubbing together, which can be very painful.  Making it hard to do our many daily activities such as climbing stairs, getting up from sitting, and walking.

 Facts about the arthritis of the knee

     A problem in the immune system causes RA of the knee. It can develop quickly, leading to problems in the whole body.

     It mainly affects people of all age groups, but it tends to affect more women than men.

     The two types of arthritis of the knee: rheumatoid arthritis, and osteoarthritis.

     RA of the knee is incurable. However, there are available treatments to reduce the pain.

     In some cases, knee surgery/replacement is the last resort to manage arthritis of the knee.

·         The importance of practicing self-awareness to identify what triggers arthritis in the knee is the key to managing the pain...

 

Types of arthritis of the knee

 The two most common arthritis types that affect the knee are:

1)      Osteoarthritis: the most common form of arthritis in the knee. It is a degenerative type of arthritis. The cushion layer between one's bones or cartilage tends to wear away, causing the bones to rub together painfully.

2)      Rheumatoid Arthritis: RA is an autoimmune disease. The immune system damages normal tissue (such as cartilage and ligaments) and softens the bone. The inflammation begins in the small joints in your hands and feet. The synovial membrane that covers the knee joint begins to swell. The affected joints tend to worsen over time.

 

What Causes arthritis of the knee?

 Arthritis in the knee develops when the cartilage thins and wears away and bony bumps known as spurs develop and results in bone-on-bone contact which causes pain, stiffness, and inflammation.

 Factors that cause arthritis in the knee:

1.      Aging
2.      family history or genetic
3.       overweight or obesity
4.       the result of certain medications
5.      Work-related activities
6.      lifestyle
7.      previous injury of the knee joint

 Symptoms and Signs

    A knee joint affected by arthritis may be painful and inflamed. Generally, the symptoms of knee arthritis may get worse over time.  Visible joint deformities and stiffness that make movement nearly impossible are common. Pain may come and go on occasion and may worsen after intense physical activity.

 Common symptoms of knee arthritis are the following:

·         pain and swelling of the knee tend to worsen over time

·         Tenderness above the knee

·         Increase knee pain as the weather changes

·         Cracking sound when you move

·         Warmth and redness over the joint

 Diagnosis

 Diagnosis of knee arthritis depends on focused symptoms and medical history and a physical examination of the affected knee. It's necessary to pinpoint where exactly the pain originates to find possible relief.

 

    A doctor may look for possible signs of arthritis, damage to the soft tissues surrounding the knee bones, and injury by imaging studies such as X-rays, CT scans, or MRIs. They may also order a uric acid test for diagnosing gouty arthritis and examine or look for changes in the knee joint and some forms of arthritis that affect other areas of the body.

 When to see a doctor

    If you have severe pain, swelling, or stiffness in one or more joints, seek your doctor’s advice immediately. Take note not to self-medicate with any pain pills unless prescribed by your doctor. Seek your doctor’s advice as soon as you feel persistent pain. If this remains untreated, it can lead to joint damage.

 Treatments

    The first step in treating arthritis in the knee is to get the pain under control. Proper medication is the most important way to prevent severe illness and also to help relieve symptoms and improve function. However, treatment depends upon the stage of pain and damage suffered by a patient.

    The doctor will determine which treatments are appropriate for your situation. The following modalities may also be considered:

     Weight Loss – This one is the most important especially for obese patients. This will lessen the weight the joint has to carry, reducing pressure on the knees.

     Mobility Aids - Using canes, walkers, or walking poles will decrease the demand placed on the knee joint.

     Physical Therapy - Strengthening the muscles of the knee, to maintain its functional use.

     Prescribed Medications - Proper medications may help treat pain.

      Cortisone Injections – This may also help decrease the pain and reduce inflammation.

     Acupuncture – This Asian treatment modality may help to reduce pain and swelling, thereby improving knee movement and increasing the joint’s range of motion.

     Knee Replacement Surgery - Most commonly performed treatment is by removing the damaged part of the knee and replacing it with metal plastic.  The metal component is attached to the end of the femur using bone cement.

 Ways to Slow the Progression of Arthritis in the Knee

 Arthritis is a commonly misunderstood disease. You may do these measures to prevent it from progressing.

 ·         Exercise - It keeps your muscles strong and helps you stay flexible. Lack of exercise leads to the progression of arthritis.

·         Diet - Food that is rich in multivitamins and minerals is necessary for the repair of day-to-day wear and tear of the cartilage and the maintenance of healthy cartilage.

·         Posture - Practice a good position to have good spinal flexibility and to avoid injury to your backbone.

Learning how to manage arthritis may feel like a challenge. Understanding the disease and diagnosis can help control pain. The more you know about osteoarthritis, the better prepared you will be on managing the illness and its side effects and keep on track with your prescribed therapy.

 

 

 

 

 

 

AROMATHERAPY FOR ARTHRITIS RELIEF

 

    Did you know that in our five senses, the sense of smell is the fastest way to reach our brain?

According to the experts, the sense of smell is estimated to be 10,000 times more acute than other senses. They also believe that the activity of the nerve signals passing through this region causes mood change by altering brain chemistry.

When we smell something pleasurable like a soothing massage or the scent of a fragrant flower, our mood lifts, we call it “aromatherapy”.  Some arthritis sufferers benefit from this kind of therapy. Their well-being is positively affected by the smell of essential oils, and as a result, their pain gradually fades. Once scent registers, it travels faster to the brain than either sight or sound. Quite amazing, isn’t it?

The aromatherapy massage is a favorite item on every spa's menu because it improves our mood. However, aromatherapy is much more than that.

 

So, what is aromatherapy, exactly?

It is essential to know where aromatherapy came from to understand it better. The name aroma means “pleasant smell” and therapy “treatment which aims to cure physical or mental disease.” 

Aromatherapy was used for therapeutic, cosmetic, and spiritual purposes 6,000 years ago. The Chinese burned incense to promote harmony and balance.

Egyptians distilled oils from cedarwood to embalm the dead.

By the 15th century, Greeks were using plants and herbs in various healing processes. Aromatherapy uses the properties of essential oils 100% pure to restore balance and personal harmony.

As of today, aromatherapy is still being used to relieve pain and other diseases. Luckily, there are plenty of options out there for doing so – including using essential oils to help maintain arthritis symptoms naturally.

Why use essential oils for arthritis relief?

Apart from conventional medicine, instead of getting addicted to painkillers, essential oils are used to treat all types of arthritis effectively.

Oils naturally came from plants, specifically the purest essence of a plant. The stems, flowers, bark, roots, leaves, or other parts of a plant are extracted using either steam or pressure. Therefore, the essential oil is a natural plant product.

Most essential oils are antiseptic and are among the most powerful protectors of nature against bacteria and other infectious organisms. In general, many pounds of plants are needed to extract a small amount of essential oil. This oil brings positive health effects to arthritis patients and promotes better psychological health and physical well-being.

How do essential oils work for arthritis relief?

If battling arthritis, there are ways to brighten your outlook and mood, and one of the best ways is through aromatherapy. Aromatherapy is an alternative or complementary therapy to help manage arthritic pain, and is most commonly applied topically or through inhalation and topically for massage.

During the application of the oils, cell membranes are ruptured, allowing their aromatic oils to be released and then collected to enhance joint pain from arthritis. Essential oils and their components are fast absorbed through the skin and are detectable in plasma after application.

 What are the essential oils for arthritis?

 Here are some of the most beneficial essential oils for arthritis-related pain: 

       Ginger essential oil. It is to replace NSAIDs; Experts found out that rubbing ginger extract on the knee joint reduced pain and inflammation. Rubbed directly onto the affected area, the sensation of warmth will fade, but the effects can last.

       Myrrh oil. Use Myrrh oil together with frankincense more often to reduce inflammation and pain in the joints more effectively.

   Frankincense Essential Oil. It is one of the most effective in reducing arthritis pain. The essential oil prevents and stops the growth of molecules that encourage inflammation in the cartilage.

      Chamomile Essential Oil. It is s a good stressbuster that penetrates deep into the skin’s layers and relieves any stiffness in the joints that result from arthritis.

      Lemongrass Essential Oil. This oil is an antioxidant.  It is also suitable for those allergic to aspirin.

      Wintergreen Essential Oil.  It has strong analgesic, and pain-relieving properties especially if mixed with peppermint oil.

      Peppermint Essential Oil. It is an anti-inflammatory that reduces arthritic pain and has fewer side effects. The best result is when used and combined with wintergreen oil. It can be rubbed on the swollen joints as needed to help reduce the discomfort and add some relief.

      Turmeric Essential Oil. Turmeric or curcumin specifically is a powerful pain-relieving antioxidant.

      Eucalyptus oil. It is an anti-inflammatory and an analgesic.  It helps to soothe both the inflammation and pain caused by rheumatoid arthritis, osteoarthritis, and even muscle injury

      Helichrysum oil.  Helichrysum oil is a natural antibiotic. It is a powerful pain reliever, increases circulation, and reduces inflammation in the joints.

      Rosemary oil. Rosemary is also an anti-inflammatory and antibiotic.

      Lavander Oil. It can help fight against the inflammation of arthritis. It can also help inhibit the overall progression of osteoarthritis. It helps prevent the breakdown of cartilage and thus prevents the severity of the disease. 

      Bergamot Oil.  A sweet citrus fruit used in earl grey tea, bergamot essential oil can help relieve some symptoms of depression, can aid digestion as well as generally help to reduce tense muscles.

  Helichrysum Essential Oil. It contains unique properties that make it anti-inflammatory, antioxidant, antimicrobial, antifungal, and antibacterial.

    There are no adverse effects reported in Aromatherapy. Therefore, it is a safe addition to current pain management procedures. However, experts advise that before applying essential oils, they should always be blended with carrier oil. The essential oils are strong essences. Because of that, if not diluted first, they can harm the skin. Common carrier oils include almond, avocado, and virgin olive oil.

    Understanding the approaches for different types of arthritis is the essential way to control and manage pain or inflammation. Aromatherapy showed a positive effect in reducing pain. It boosts energy, multivitamins, and nutrition solutions empowering to meet wellness goals naturally.

    Always remember to check with the right resources to determine if particular essential oils are suited to a person’s health status. Still necessary to consult an aromatherapist to help assess the needs in this area before using it.

 

 

ACUPUNCTURE AND ARTHRITIS

 

“One needle and the bundle of herbs, keep you healthy to old age.”

– Ancient Chinese saying


What is Acupuncture?

    Acupuncture is an ancient Chinese healing practice of traditional Chinese medicine that believes the reason for illness was because of an imbalance of energy in the body.

 Acupuncture comes from a holistic concept of the unity of man and nature. Theories of acupuncture point to correcting imbalances within the body's "energy" flow through meridians, called "qi" or "chi.” These meridians and energy flows are accessible through 350 acupuncture points in the body to relieve pain.

    In acupuncture, long disposable stainless-steel needles are used to stimulate the body’s principal energy-carrying channels called meridians. The act of “puncturing” the skin, muscles, and sometimes up to the bones is intended to overcome blocks that characterize the symptoms of an illness. Blockages are corrected to shift imbalances and relieve pain. Acupuncture can also treat a host of other conditions.

     Acupuncture has been increasing in popularity nowadays. Acupuncture has become more prevalent in Korea, Japan, Vietnam, Europe, and America this past decade. After so many years of research, acupuncture has finally gained at least some mainstream acceptance as a medical modality. However, despite the popularity of acupuncture, many people still need to learn about how to perform its correct procedure or why it works.

     Will an ancient remedy hold the key to healing arthritis pain?

    Experts offer limited but promising evidence that acupuncture can help with arthritis symptoms. Arthritis is usually an inflammatory disorder that affects the joints of the hips, knees, elbows, hands, and feet.

 How can Acupuncture Relieve Pain Brought About by Arthritis?

    Acupuncture is a helpful way to control arthritis pain. Inserting needles into the acupuncture points with appropriate combinations is said to bring the energy flow back into proper balance. Points refer to the places where nerves, muscles, and connective tissue can be stimulated. This will result in increased blood flow, while at the same time triggering the activity of the body's natural painkillers.

    Acupuncture provides a safe treatment option when appropriately performed by an experienced practitioner. It is believed that the needles stimulate the body’s meridian ends, creating a healing effect of promoting pain-relieving and anti-inflammatory properties.

    Acupuncture has few side effects and serious problems are rare compared to many drugs. Some side effects include:

     Soreness, bruising, and minor bleeding at the needle sites.

     Using needles that are not sterile can cause infection.

     In some acupuncture points, needles inserted too deep can puncture the lungs or gallbladder or cause problems with the blood vessels.

     That is why it is essential to seek treatment from a practitioner who is well-trained in acupuncture.

 How does the acupuncturist select points for pain?

There are three processes to select the acupuncture points used for pain relief:

Step 1. Identify the sick meridian point

First, you need to identify the precise location of the pain. Determining the position of the pain will show us what meridian is being affected and needs to be focused on for painful condition treatment.

Step 2: Identify the meridian that balances the sick meridian.

After identifying the meridian that associates with the painful area, an acupuncturist move on to the next step,  which is selecting an apex that will balance the “sick” meridian.

Step 3: Choosing the acupoints

After identifying one or more balancing meridians, next is to select the acupuncture points along them and finally insert fine, sterile needles into the skin.

What are the different styles of acupuncture?

    Over the centuries, different styles of acupuncture have developed based on different opinions, theories, and techniques. The various forms of acupuncture differ in the procedure, but the basic theoretical principles of acupuncture remain the same. The styles include:

·  Traditional Chinese Acupuncture (TCM)

·  Japanese Style Acupuncture

· Korean Acupuncture

·  Korean Hand Acupuncture

·  Auricular Acupuncture

·   Medical Acupuncture

·  Veterinary Acupuncture

     Acupuncture is an excellent way to boost the immune system and help relieve the overall stresses of everyday life. This will also stimulate the body’s natural healing process. It has been proven effective in relieving the pain brought about by arthritis. It can also increase joint range of movement so you can now move freely without pain.

     Reminder: When considering any pain management such as acupuncture, do your research first. Ask about its scope and its pros and cons. Ask your doctor’s recommendation as he/she might be able to refer a certified acupressure therapist.

 

 



How to Create a New Apple ID on Your iPhone Quickly & Easily (Updated 2022)

 If you don't have an Apple ID, you can't use an iPhone effectively; luckily, it's easy to sign up for one.

You can use your Apple ID for any Apple account or service, including purchases associated with your Apple ID and iCloud account.

 In this article, we'll show you how to create an Apple ID using any of the iPad generations or iPhone models, from older versions like the iPhone 6, up to later models like the iPhone 11 and iPhone SE.

 Let's learn how to get a new Apple ID.

What Is an Apple ID?

Every Apple device you own has an Apple ID that you need to use.
Your Apple ID login includes an email address and password and allows access to your payment and contact information, as well as security questions and codes used on all your Apple accounts.
 If you want to sign up for Apple services that used to be under the umbrella of an iTunes account, you'll need your own Apple ID first.

Forgot Your Apple ID?

If you forget the password for your Apple ID, you should not create it. You have already set up an Apple ID if you've purchased or used any Apple services. If you want to start from scratch, it's better to find your old login information.

How do I find my Apple ID?
We're here to help.
If you forget your Apple ID, we have a guide to recover it, as well as a quick fix to change your email address. It's easy to change or reset your Apple ID password if you already have an Apple ID.

How to Make a New Apple ID on Your iPhone or iPad

Now, if you've really never set up an Apple ID before, let's get started creating one! 

  1. Open the Settings app.
  2. Tap Sign in to your iPhone at the top of the screen.
  3. Tap Don't have an Apple ID or forgot it.
  4. Now tap Create Apple ID.
  5. Enter your First Name, Last Name, and Birthday, then tap Next at the upper right of the display.
  6. Enter your current email address, or tap Don't have an email address to get a free iCloud email address.
  7. To create an iCloud email address, find one that hasn't been taken, then tap Create Email Address.
  8. Create a Password, Verify it, and click Next. Your password needs to be at least eight characters long and have at least one uppercase and lowercase letter, and at least one numeral.
  9. ap Use a Different Number or Continue to confirm that it's ok to receive a text or call to verify your identity.
  10. Agree to the terms and conditions.
  11. Enter your iPhone Passcode, if it has one.
  12. You can choose to Merge or Not Merge the data on your iPhone to iCloud at this time.
  13. Open the Settings app again and tap the banner at the top of the page.
  14. From your Apple ID account page, you can adjust Payment & Shipping information, set up the iTunes and App Store, set up Family Sharing, Find My, and more.


Create an Apple ID using the App Store on your device

  1. Open the App Store and tap the sign-in button.  .
  2. Tap Create New Apple ID. If you don't see this option, make sure that you're signed out of iCloud.

  3. Follow the onscreen steps to provide an email address, create a strong password, and set your device region. The email address that you provide will be your new Apple ID.*
  4. Enter your credit card and billing information, then tap Next. You can also choose None. Learn what to do if None isn't showing or you can't select it. You won't be charged until you make a purchase. 
  5. Confirm your phone number. This can help to verify your identity and recover your account if needed. Tap Next.
  6. Check your email for a verification email from Apple and verify your email address.

After you verify your email address, you can use your Apple ID to sign in to the iTunes Store, App Store, and other Apple services such as iCloud.



Sa Mga Gustong Maging Public School Teacher


After passing the Licensure Examination for Teachers (LET), unang gagawin ay kailangan mong magpa-rank para maging public school teacher.

Sa scoring sa ranking you need to attain at least 70 total points from different criteria.

Base po ito sa DepEd Order No. 7, S. 2015.

▪ 𝗘𝗱𝘂𝗰𝗮𝘁𝗶𝗼𝗻 (𝗚𝗪𝗔) - up to 18 points,

(Your General Weighted Average (GWA) from 1st year to 4th year college. Kung unut earner ka naman kasamang e-evaluate yung college GWA mo at units mo)

GWA / Points (As per DO No. 7, S. 2015)

1.00 / 18

1.10 / 17.40

1.20 / 16.80

1.30 / 16.20

1.40 / 15.60

1.50 / 15

1.60 / 14.40

1.70 / 13.80

1.80 / 13.20

1.90 / 12.60

2.00 / 12.00

2.10 / 11.40

2.20 / 10.80

2.30 / 10.20

2.40 / 9.60

2.50 / 9

2.60 / 8.40

2.70 / 7.80

2.80 / 7.20

2.90-3.00 / 6.60

GWA / Points (As per DO No. 22, S. 2015 - Recalibration)

1.20 - 1.00 / 18

1.50 - 1.30 / 17.40

1.80 - 1.60 / 16.80

2.10 - 1.90 / 16.20

2.40 - 2.20 / 15.60

2.70 - 2.50 / 15

3.00 - 2.80 / 14.40

▪ 𝗠.𝗔./𝗣𝗵.𝗗. - up to 2 points,

M.A. Grad - 1 point

Ph.D. Grad - 2points

▪ 𝗧𝗲𝗮𝗰𝗵𝗶𝗻𝗴 𝗲𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲 - up to 12 points

(As per DO No. 7, S. 2015)

In every month of service, 0.15 points shall be given or 1.50 points per year.

(As per DO No. 22, S. 2015) (recalibration)

In every month of service 0.50 points shall be given or 5 points per year.

▪ 𝗟𝗘𝗧/𝗣𝗕𝗘𝗧 𝗥𝗮𝘁𝗶𝗻𝗴 - up to 15 points

LET Rating points

75-77 = 11 points

78-80 = 12 points

81-83 = 13 points

84-86 = 14 points

87 and above 15 points

PBET Rating Points

70-72 = 11 points

73-75 = 12 points

76-78 = 13 points

79-81 = 14 points

82 and above = 15 points

▪ 𝗦𝗽𝗲𝗰𝗶𝗮𝗹𝗶𝘇𝗲𝗱 𝘁𝗿𝗮𝗶𝗻𝗶𝗻𝗴 𝗮𝗻𝗱 𝘀𝗸𝗶𝗹𝗹𝘀 (NCII or any Seminar Certificates with at least 10 days and up para makuha ang automatic 10 points. Nit valid po ang mga School-related seminar certificates unless umattend ka as a teacher na and not as a student.) - up to 10 points

▪ 𝗜𝗻𝘁𝗲𝗿𝘃𝗶𝗲𝘄 - 10 points

▪ 𝗗𝗲𝗺𝗼 𝗧𝗲𝗮𝗰𝗵𝗶𝗻𝗴 - up to 15 points

▪ 𝗪𝗿𝗶𝘁𝘁𝗲𝗻 𝗧𝗲𝘀𝘁 (𝗘𝗻𝗴𝗹𝗶𝘀𝗵 𝗣𝗿𝗼𝗳𝗶𝗰𝗶𝗲𝗻𝗰𝘆 𝗧𝗲𝘀𝘁)- up to 15 points

▪ 𝗞𝗶𝗻𝗱𝗲𝗿𝗴𝗮𝗿𝘁𝗲𝗻 𝗘𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲 / 𝗟𝗚𝗨 𝗩𝗼𝗹𝘂𝗻𝘁𝗲𝗲r - up to 3 points

A total of 100 points.

Kung hindi kaman umabot sa 70 points RQA (As per DO No. 7, S. 2015), huwag mag-alala dahil mayroong recallibration (As per DO No. 22, S. 2015). Kung saan maiiba ang points system (from DO7 to DO22 recallibration) for Teaching Experience and Education as stated above.

Take note:

Nagkakaroon lang ng recallibration kapag naubos agad lahat ng nasa RQA (As per DO No. 7, S. 2015) and may sobrang items pa.

𝗥𝗲𝗾𝘂𝗶𝗿𝗲𝗺𝗲𝗻𝘁𝘀

Prepare the following requirements by the school screening committee:

1. CSC Form 212 (Personal Data Sheet) with latest 2x2 ID pictures.

2. PRC Professional Identification Card (License)

3. Results of Rating obtained in the Licensure Examination for Teachers.

4. Transcript of Records (TOR) with certification of General Weighted Average of Academic Grades.

5. Service record. (Certificate of Employment) if any.

6. Certificates of Specialized Training. If any.

7. Voter's certification or Brgy. Clearance.

8. NBI Clearance


Reference:

For more information about this post read: DO No. 7, S. 2015

Good luck future teachers!


 

DEPED Application Requirements For Public School Teacher I Positions - (for Teacher Applicant)

 The author wants to share with you the list of DepEd application requirements for Teacher I positions.



APPLICATION PROCESS and REQUIREMENTS

To register for the Department's online system, applicants need to provide their Personal Data Sheet and select the division they want to be ranked. An application number will be issued once submitted. The number must be indicated in the submission of the requirements. The head of the elementary or secondary school will receive the application.

All applicants shall register to the Department’s online system at application.deped.gov.ph.

An applicant shall submit to the head of the elementary or secondary school where a teacher shortage or vacancy (regular and/or natural) exists, a written application, with the Applicant Number indicated, supported by the following documents:

  1. Table of Contents
  2. Letter of intent (aka cover letter)
  3. Resume
  4. CSC Form 212 (aka PDS – Personal Data Sheet)
  5. PRC License – photocopy
  6. LET Rating – photocopy
  7. Transcript of Record (aka TOR) – photocopy
  8. Service Records (aka certificate of employment) – photocopy
  9. Specialized Training and Seminars Certificates – photocopy
  10. Voters ID or COMELEC Certification – photocopy
  11. NBI Clearance – photocopy
  12. Omnibus Certification of authenticity and veracity of all documents submitted

Note: Requirements may vary depending on the school to which you applied.

Daily Lesson Log (DLL) for Grade 3 Quarter 2 Week 8

    Learning lessons is fundamental to ensuring the delivery of teaching and learning in schools. These guidelines aim to support teachers in organizing and managing their classes and lessons effectively and efficiently and ensure the achievement of learning outcomes.

    Lesson planning helps teachers set learning goals. It helps teachers make sure students achieve their goals.

 The DLL is the daily lesson log for Grade 3 in Quarter 2 Week 8 of the school year. You can use it in your daily teaching of grade 3 learners. 

Download your GRADE 3 QUARTER 2- WEEK 8 DLL 2022 – 2023 Daily Lesson
Log. 
I hope for the best for all our fellow teachers.  

SOFTCOPY:


Investing for Beginners: A Step Towards Financial Freedom

     In a world where financial stability is key to achieving dreams and ensuring security, investing is no longer a luxury but a necessity....