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How right sitting posture reduces Back Pain – The Healing Begins

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correct sitting posture on computer , how to improve sitting posture in chair, what is ergonomic chair, hot girl in office chair

Sitting in a wrong posture on an office chair for prolonged intervals of time can undoubtedly trigger back pain or worsen an existing problem related to back and spine. The primary reason behind this is that sitting in a wrong posture, in an office chair increases stress within the back, shoulders, arms, and legs, and particularly, can add massive strain to the back muscular tissues and spinal discs.

A lot of people suffering with severe backache resort on painkillers and physiotherapy rather than focusing on how to improve sitting posture in office chair!

A correct sitting posture on computer or any desk can reduce the back pain minimizing the undue strain over back and spine.

How correct sitting posture reduces Back Pain

When you sit in an office chair for a long interval of time, the common tendency for most of the people is to stoop over or droop down in the chair, and this kind of posture can overstretch the spinal ligaments causing needless strain on the discs, muscular tissues and surrounding structures in the spine.

Over time, wrong sitting posture in the chair can damage spinal structures and contribute to or exacerbate a backache.

Also read: 6 Stretches in 6 minutes to heal your Back Pain

correct sitting posture on computer , how to improve sitting posture in chair, what is ergonomic chair, hot girl in office chair

An ergonomic office chair is a tool that, when used in a right way, can help one maximize support to back and maintain correct sitting posture while working on a computer.

The first step in setting up an office chair is to ascertain the required height of the individual’s desk or computer or workstation. This choice is determined primarily by the type of work to be done and by the height of the person using the office chair.

The height of the desk or workstation itself can vary greatly and will require different positioning of the office chair, or a different type of ergonomic chair altogether.

Once the workstation has been situated, then the user can adjust the office chair according to his or her physical proportions.

Here are some important tips to help make sure that the office chair and workstation are as comfortable as possible and will cause the least amount of stress to the spine:

  • Elbow measure: First, begin by sitting comfortably as close as possible to your workstation so that your upper arms are parallel to your spine. Rest your hands on your work surface (e.g. Desktop, computer keyboard) If your elbows are not at 90-degree angle, adjust your office chair height either up or down.
  • Thigh measure: Check that you easily slide your fingers under your thigh at leading edge of the office chair. If it is too tight, you need to prop your feet up with an adjustable footrest. If you are extraordinarily tall and there is more than a finger width between your thigh and the chair, you need to raise the desk or work surface so that you can raise the height of your office chair.
  • Calf measure: With your bottom pushed against the chair back, try to pass your clenched fist between the back of your calf and the front of your office chair. If you can’t do that easily, then the office chair is too deep. You will need to adjust the backrest forward, insert a low back support (such as a lumbar support cushion, a pillow or rolled up towel), or get a new office chair.
  • Low Back support: Your bottom should be pressed against the back of your chair, and there should be a cushion that causes your lower back to arch slightly so that you don’t slump forward or slouch down in the chair is as you tire over time. This low back support in the office chair is essential to minimize the load on your back. Never slump or slouch forward in the office chair, as that places extra stress on structures in the low back, and in particular, on the lumbar discs.
  • Resting eye level: Close your eyes while sitting comfortably with your head facing forward. Slowly open your eyes. Your gaze should be aimed at center of your computer screen. If your computer screen is higher or lower than your gaze, you need to either raise or lower it to reduce strain on the upper spine.
  • Armrest: Adjust the armrest of the office chair so that it just slightly lifts your arms at the shoulders. Use of an armrest on your office chair is important to take some of the strain off your upper spine and shoulders, and it should make you less likely to slouch forward in your chair.

Rather than resorting on painkillers and physiotherapy improve your sitting posture in office chair, a correct sitting posture can heal your back pain.

Also read: 5 Post-Workout Mistakes that are ruining your Fitness Goals

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Education

What Is CIBIL Score and How It Is Calculated!

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Improve Credit Score, cibil score improve, document for sibil score, pan card not working credit score, documents for credit card

Till now, you had to spend Rs 500 to Rs. 1200 to know your credit score or CIBIL score, but do you know, now you can check your CIBIL score for free? Yes! You can check your credit score on the official website of Credit Information Bureau, without spending a single penny and can quickly know that as per your CIBIL score, at what interest rate and monthly EMI, you can take the loan from the bank.

Why good credit score is important: In the recent years, almost every bank has changed its policies and added a clause for good credit scorers. According to it, good credit scores will not only help in getting the loan on easy EMI terms, but also will assist in getting concessions in interest rates. For example, People having CIBIL score more than 760 in home loans for Bank Of Baroda, will get the loan at 8.35% interest rate only.

If your CIBIL score is not good, then you may face hurdles in getting your loan approved. As per the latest policies regarding credit score, if your previous loan repayments and the transaction record is stable, then the bank can even lessen your monthly EMI.

Frequently asked questions about Credit Score: Due to lack of the proper information regarding credit score, many people have doubts regarding it, like, what is CIBIL Score, how much CIBIL score is considered good, how to check CIBIL report online and how to improve credit score?

There would be many who need to know how credit score is calculated, if one has done negligence in previous transactions and loan repayments how to handle this situation of lousy track record. Here, in this article, we are bringing an answer to each of these questions & that too in straightforward words so that you can understand each term easily.

If you still have any query to ask or have valuable information about CIBIL score to share with our readers, then you can post it in the comment section at the end of this article.

What is a Credit Score?

Credit score analysis, credit score check online, sibil score online calculate, credit card issue guideline

How does CIBIL Bureau work: Trans-Union Credit Information Bureau India Limited (generally known as CIBIL) is India’s first ever credit information company, which keeps the transaction record of loans and credit cards, as provided by the banks in India.

CIBIL keeps the record of all reputed banks, creditors, commercial bodies and not only this, more than 2400 financial institutions are part of it. CIBIL maintains a complete record of above 550 Million accounts & credit records worldwide. Amazed, right? This huge database is the very reason behind the high credibility of CIBIL credit scoring algorithm.

हिंदी में पढ़ें: सिबिल स्कोर कितना होना चाहिए

These records are submitted by banks and other creditors to CIBIL on a monthly basis, and this information is then used to prepare the Credit Information Report (CIR) of creditors and to decide credit score so that lenders can judge the loan application of person by their financial records.

Why is it necessary to have a good CIBIL score?

Credit/CIBIL score plays a significant role in the loan approval process in any bank. Whenever you fill a loan application form, then the lender bank or the lender company inspect each detail of your credit report regarding your previous loan history. After analyzing your repayment capacity, lenders decide whether to lend you a loan or not. If your credit score is too low, then the lender will immediately deny to give you any loan.

How credit score is calculated: In simple words, CIBIL score presents your credibility in financial dealings, that whether you have repaid the previous loan amount by following the guidelines of the bank timely or not. If you have not paid EMI correctly or have not paid the loan as per the terms and within the stipulated period, then this behavior may add up to a bad credit score and can have adverse effects on your future loan approvals.

How much Credit Score is good?

As per CIBIL, the measure of credit score can be from 100 to 1000 points. Points less than 650, are considered as poor, that means, if your score is less than 650 then you may face difficulty in getting credit cards and loans. On the other hand, points more than 750 are considered as a good credit score. You will not face any hassle in getting loan from various banks or getting the credit card if your score is above 750 points.

Good credit score, how to calculate and Improve credit score

  • Excellent Credit Score: 750+
  • Good Credit Score:700-749
  • Fair Credit Score: 650-699
  • Poor credit Score: 600-649
  • Bad Credit Score: below 600
What would be Credit Score if there’s no credit history

What if you never had a credit card or loan before: If you are applying a loan for the first time or applying for a credit card, then in the column of credit score in CIBIL table, N/A will be written. In this situation, the bank will check out your monthly income, bank statement of the previous six months and by estimating your payment capacity, the bank will set credit card limit or can approve or disapprove your loan.

How to check credit score online?

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To know your credit score, go to the official website of CIBIL, https://www.cibil.com/freecreditscore/ and fill your PAN Number, Date of birth, monthly income and other necessary details and then click on submit. After submission, a new page will open up. Here again, you will have to fill your information; however, details regarding PAN card will automatically get filled.

After it, you will get an email from CIBIL, in which you will get a link and password for your CIBIL account. After clicking on the link, you will be directed to a new page, here do login by filling your email id and password that you got in your email. After getting logged in, you will be asked to change your password. After setting the new password, your CIBIL Account will be logged out.

Then, login again with your new password. After login, you will get your credit score. Remember, through this process of checking CIBIL score; you will get information about credit score only. For any further detail, you have to pay fees of Rs. 500 to Rs. 1200.

How to improve your credit score?

Although, it’s not an easy task to improve your bad credit, as it takes a huge time to cover up, yet, your continuous efforts to fix credit score can prove fruitful to you. Here are some essential points, you should consider to improve your credit score:

  • Firstly, thoroughly review your credit report by requesting its free copy. By doing so, you will come to know all the loopholes, errors and other faults. In case of errors in the credit report, you can confidently tell your point to the credit bureau.
  • Make your payments on time & set proper reminders for it. You can enroll to automatic fees and get your loan installments, or EMIs paid on time.
  • Make a proper payment plan, wherein, mention your budget, all accounts, loans taken, their interests, etc. In this way, you come to know about credit with the highest interest & can manage to lessen loans by maintaining the accounts accurately.
  • Don’t put a negative impact by delaying bill payments. If you have neglected it before, then start making bill payments on time. Your these efforts will fade the earlier negative implications.
  • Anyhow, if you are facing problem in setting your credit score, then it’s better to take the help of a credit counselor. This way will help you improve your credit score.
  • Outstanding debt is dangerous. So keep your credit card balances low always.
  • Pay the credit card balance on time. Don’t delay.
  • You can raise your scores, by showing unused credit cards, so don’t close these down.
  • If you don’t need those, then don’t issue new credit cards. More accounts mean less average account age, as it can prove risky for credit scores. So, if you can manage credit within the short span, then don’t open new accounts.

These are pretty hacks to improve your credit score. If you follow these thoughtfully & don’t open new accounts often, make payments on time, don’t leave any outstanding credit card balances, then slowly, you will be able to get your credit report improved.

(With inputs from Komal Singla)

Also Read: How a good credit score is calculated by FICO

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Education

How a good credit score is calculated by FICO

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Good credit score, how to calculate and Improve credit score

People often ask – What is good credit score? In simple words, a good credit score is something that makes you ‘credible’ in the business. Lender use credit score to decide to grant loans to their customers and their credit limits. A good credit score can save your money and lower your interest rates. A credit score of 700 or above is considered good with a range between 300-850. Different lenders define good credit score differently according to the size of organization.

What is Credit Score: A credit score is a statistical method to determine the likelihood of an individual paying back their money he or she has borrowed. A good credit score involves low risk for lenders and investors and the business itself.

How credit score is calculated

FICO score is the measure that is mostly used by lender to determine the risk involved in particular loan. FICO score is created by Fair Isaac Corp. Fair Issac does not reveal exact formula I uses. It operates within the range of 300 to 850 within that range, there are different categories which are :

  • Good credit score, how to calculate and Improve credit scoreExcellent Credit Score: 750+
  • Good Credit Score:700-749
  • Fair Credit Score: 650-699
  • Poor credit Score: 600-649
  • Bad Credit Score: below 600

What makes up your Credit Score

When you borrow money, your lender sends information to credit bureau in the form of Credit report from the information in the credit report, bureau determines credit score based on five major factors. These factors include in credit score calculation, They are not given equal weighting.

35% – Previous credit Performance
30% – Current level of indebtedness
15% – Time credit has been in use
15% – Types of Credit Available
5% – Pursuit of New Credit

These factors are positive for you then you get a good credit score. You can also improve these to get good scores. You can’t assume that your score is good if you met the obligation on time. Your credit rating is checked. You can get your credit score free at Credit.com . This information is provided to you at no cost with your consent.

How Your Credit Score Affect Your Mortgage

How individual with varying credit score will pay dramatically different interest rate on similar mortgage amount. Your credit score affect your mortgage in many ways like.

Score Rate Monthly payment
720-850 5.49% $ 851
700-719 5.61% $862
675-699 6.15% $914
620-674 7.30% $1028
560-619 8.53% $1157

Good credit score gives you leverage to negotiate a low interest rate on your credit card or a new loan. It makes your credit card limit increased. You have more negotiating power. Therefore,To make good credit score you have to maintain low level of indebtedness having a long credit history, make bills payment on times.

(With inputs from Shaweta Narang)

Also read: How To Check CIBIL Score

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