Page 104 - LCNL Diwali Magazine 2022

RAGHUVANSHI 2022 - 2023 Happy DiwaliHappy Diwali
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Mortgage Rates
For most, your mortgage is the largest debt you will ever have, and we have been
lucky to experience a prolonged period of low-cost variable and fixed rates. A rise in

inflation will not only have an impact on the cost of living, but it will also increase the
amount of interest you will need to pay on your mortgage debt.
It is clear that the Bank of England will continue to increase its main interest rate
and the cost of borrowing will pile pressure on family finances. Many have been

lucky to protect themselves on fixed rate mortgage deals, however, most opted for 2
years hoping to refinance again. Those coming off these deals are in for a shock as average deals are now over 4% and likely to

increase thus doubling up the interest element of monthly repayments.

The main defence against further inflation rises is to consider another fixed-rate mortgage. These work as insurance against
interest rises by establishing a set level of interest for your repayments which won’t change for a set period. These tend to be

more expensive than variable or tracker rates, and if rates go down, you won’t benefit. The best way to prepare for inflation is

to do your research and or talk to a professional.
Specialist advice can help avoid financial and emotional stress

It is important to discuss financial matters and review all your financial affairs

regularly – from cashflows, and pensions to investments, with someone you can

trust and seek specialist advice where necessary.
Wishing you a Deepavali that brings happiness, prosperity and joy to you and
all your family.
Vijay Thakkar
Founding Director of Blackstone Moregate Ltd

Top 8 Superfoods For The Brain

Dementia or decline in brain function is a global epidemic affecting 55million people worldwide and

projected to increase to 78 million by 2030. However research also shows up to 90% of dementia is
preventable by simple changes to diet and lifestyle.
Ocean Robbins (grandson of ice cream man Baskin Robbins) has researched the top 8 superfoods for
boosting brain function and helping reduce or reverse dementia. These are:

1. TURMERIC 2. BLUEBERRIES
Turmeric consumption is one of the Blueberries contain anthocyanadins
reasons why India has one of the lowest which are very benefi cial to the brain and
dementia rates in the world. The orange improve brain function. Furthermore all
colour is from curcumin a polyphenol berries are benefi cial.
and antioxidant. It helps relax brain

blood vessels and increases blood flow. 3. GREENS

Absorption is aided with pepper, healthy Greens are extremely beneficial. Just
fat like ghee or coconut oil and warm eating one portion of leafy greens a day
water or warm milk. can reduce cognitive decline by 11 years.