Tips To Prevent Hair Loss

Hair loss is inevitable; everyone will experience hair loss. Some people like myself are unlucky and experience it in their early twenties while some are lucky to not have the problem till their forties. Also, some people have minor hair loss while some have massive hair loss. The truth is that you cannot avert hair loss completely. The cycle of hair growth will force hair loss but to a very minor and healthy level. Your hair should get replenished so you have the same crowning glory. It is when hair loss exceeds hair growth and the rampant loss of hair creates balding patches, thinning and breakage that makes the situation unpleasant.

Here are some tips from Regaine to prevent hair loss. These are very simply tips which can be easily adhered to.

  • You must eat well. Go for lean meats, fruits and vegetables. Avoid junk food or preserved food. Don’t gorge on alcohol and certainly don’t overeat. Also, avoid crash diets. If you eat properly cooked, nutritious meals then your hair will be healthy. Consume proteins, vitamins and minerals and your hair will be lustrous.
  • You must walk away from all the normal vices that one typically indulges in. Smoking has to be controlled if not stopped entirely. You must not take medications that are not needed or not prescribed. If you are on certain medicines that are prescribed, you must ensure that you don’t go on an overdose and you should stop it when asked by your doctor. Drugs are to be avoided and all such lifestyle choices which are not desirable.
  • You should keep your body hydrated throughout the day. Eight to ten glasses of water is the minimum you should drink. But don’t drink all of that at once. Spread it out evenly during the daytime hours and drink less during the evening. A dehydrated body will lead to hair loss.
  • You should not experiment with your hair or challenge it every now and then. Wash your hair as your lifestyle demands it, twice a week if you stay at home and three to four times if you are outdoors most of the time. You should not use fancy hair products like bleaches or dyes. Use Regaine for men or Regaine for women which will help you to prevent hair loss. Even if you have been experiencing hair loss, Regaine foam will help you to repair the damage that’s been done already.

What is Netting in the Derivatives Market?

Netting is a general financial concept that has multiple specific uses. In general, netting means to allow a negative value and a positive value to set-off and entirely or partially cancel one another out. Businesses use the netting of cash flows is reducing credit exposure to the counterparties.

Derivative Markets

Netting is commonly employed in the derivatives market. Derivatives are financial instruments that include Swap Rates, forwards, futures and options.  The name ‘derivative’ refers to the notion that somehow the agreement will derive value at one or more future points based on observable prices such as indexes and interest rates. There are two types of derivative exchanges: over-the-counter and exchanged-based. Common over-the-counter derivative contracts include: Interest Rate Swap, currency swaps, and Credit Default Swaps and common exchange-based are futures, calls and put.

Common Types of Netting in Derivative Markets

Two forms of netting are commonly associated with the derivative market:

Closeout Netting:

Closeout netting reduces pre-settlement risk, the risk that counterparty will default prior to the derivative instruments maturity date. Counterparties that have multiple offsetting obligations to each other, such as multiple interest rate swaps or forward contracts then they can net those obligations. Therefore, if counterparty does default then all outstanding contracts are terminated. They are then marked to market settled with a net payment.

Payment Netting:

Payment netting is used to reduce settlement risk. Settlement risk is the credit risk that arises on the date the contract is suppose to settle or the date when both parties of the contract make good on their end.  Therefore, settlement risk is greater than other type risk because there is exposure to the entire value of the counterparty’s obligation.

Payment netting occurs when counterparties are due to exchange multiple cash flows on a given date, they agree to net those cash flows to one payment per currency subsequently reducing settlement risk and making processing more direct.

Bilateral and Multilateral Netting

With bilateral netting there are two counterparties that agree to net with each other. They sign a contract that specifies the type of netting that will be performed and what existing and future contracts that will be affected. This is most common in the other-the-counter Derivatives Market.

Multilateral netting occurs between more than two counterparties. It is often managed through membership organisations such as an exchange. The advantage to multilateral netting is that it reduces credit exposure rather than mutualizing credit risk such as in bilateral netting because credit exposure is spread among all participants and therefore there is less incentive to doubt the credit worthiness of the other counterparties.

Netting can effectively reduce credit exposures and reduce operational cost and that is why it has become a common practice between trading in exchanges, forwards and options. Netting is not just fancy financial jargon in the derivatives sphere but has practical application to everyday finance.