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Asthma 101

As people with asthma are well aware, living with chronic inflammation of the airways is often painful and life-invading. However, for those who do not have asthma or who suspect that they might have asthma-related symptoms, it is important to know exactly what asthma is, what causes and triggers it, and how it is treated.

If you suspect that you have asthma, you should contact your doctor to discuss symptoms, diagnosis, and what a treatment plan might involve. This article is not a diagnostic tool, but it provides helpful information that can initiate a discussion with your doctor.

What is Asthma?

Asthma is a life-long chronic inflammation of the body’s airways. Excessive amounts of mucus are produced along with the inflammatory response, making it feel difficult to breathe and triggering coughing attacks. In the United States alone, roughly 22 million people have been diagnosed with asthma, and approximately 6 million of them are children.

Our bodies’ airways carry air into and out of our lungs, but for asthmatics, the inflammation and mucus build-up caused by an inhaled trigger stimulus cause the airways to become restricted. As the airways become narrower, less air is able to pass into the lungs. A chain reaction can occur, causing the airways to narrow even more as the muscles tighten, allowing even less air into the lungs.

However, not everyone suffers from the same symptoms or experiences the same severity of symptoms. Some asthma sufferers barely notice a problem while others have asthma that is so severe that it interferes with daily living.

Currently, there is no cure for asthma. The best way to deal with asthma is to control its symptoms, which can take time, medication, or herbal remedies targeted at inflammation reduction.

What Causes Asthma?

The exact cause of asthma is not yet known, although some researchers tend to think that asthma is caused by environmental and genetic factors that tend to manifest early on in a person’s life. These factors generally include atopy (the genetic inheritance of the tendency to develop allergies), parents who also have asthma, contact with airborne allergens in early childhood, contraction of viral infections during early childhood, or respiratory infections that are contracted during childhood. Since young children’s’ immune systems are still developing, these types of infections can be more easily contracted and less effectively eradicated through treatment than they would with adults.

Some researchers also believe that our Western culture’s obsession with sanitation has led to changes in the ways children’s immune systems develop. Children do not contract as many serious childhood diseases as they did even 100 years ago, and their living situations have therefore dramatically altered. This could, as the “Hygiene Hypothesis” researchers claim, put children more at risk for having asthma and atopy, especially if they are already genetically predisposed due to their parents having these conditions. Of course, more research is necessary to understand the root causes of asthma, and this notion of our society’s emphasis on hygiene is still only a testable hypothesis.

What Triggers an Asthma Attack?

An asthma attack can be triggered by different sources, especially by exposure to an allergen in the environment. Examples of allergens include pet dander, mold, pollen, or dust mites. Asthma attacks can also happen when a person is exposed to perfumes, smoke, or other airborne irritants. Additionally, upper respiratory infections and sinusitis can trigger asthma attacks, as can a significant amount of exercise.

Even changes in the weather and shifts in our emotions, stress and depression specifically, are even thought to be triggers for asthma attacks in some individuals.

You can recognize a triggering event if you start to feel the need to scale back on your exercise while you’re in the middle of it, if you experience a sudden shortness of breath, if you develop a worsening cough, or if you find yourself reaching for your asthma rescue medication. If you are unsure of exactly what is triggering your attacks, try keeping a written record of what you are doing and feeling every time you experience an attack.

Foods to Avoid if You’re Asthmatic

There are certain foods that people with asthma should try to avoid eating. While research is ongoing into why some foods seem to make asthma symptoms worse, there are certainly some foods that commonly cause issues. Everyone tends to react differently to various foods, and other issues, such as autoimmune disorders or hypothyroidism, can further complicate matters.

Some of the worst foods for asthmatic people are eggs, salt, dairy products, and peanuts, as they all have negative effects on people with asthma. Peanuts are especially hazardous, as children with peanut allergies appear to develop asthma earlier in life than children without. Shellfish, another common food allergen, is a particularly persistent allergy that generally lasts your entire life and is especially prevalent in children who have asthma.

Alternatively, some foods are beneficial for people with asthma. Studies have found that apple consumption is inversely linked to asthma. As an example, a study conducted in the UK showed that flavonoids found in apples and red wine seem to have protective effects that benefit adults with asthma. Cantaloupe, flax seeds, avocado, carrots, garlic, and even coffee can be helpful for those with asthma.

How Asthma is Diagnosed

Asthma is generally diagnosed with a physical exam as well as a lung functioning exam. A physical exam helps to rule out the potential for having other similar conditions, such as chronic obstructive pulmonary disease, commonly known as COPD. This also allows your doctor to check for asthma symptoms.

A physical exam is sometimes accompanied by a lung functioning exam, which assesses how much air you take in and let out as you breathe. Your doctor might perform a peak flow test, which uses a meter to measure how hard you can exhale. Your lungs might not be working at an optimal level if your reading is low, which can indicate the presence of asthma. Your doctor might opt for a spirometry test to see how much air you exhale and how quickly you can do so. A low performance here tends to show the narrowing of bronchial tubes, which happens in response to inflammation and mucus build-up.

Your doctor might also want to perform additional tests, such as x-ray imaging and allergy testing.

Asthma Treatments

While there is no cure for asthma, it is a highly treatable condition. Long-term asthma control medications, quick-relief medications, and allergy medications are all commonly used to treat asthma.

It is also advisable that those with asthma make lifestyle and environmental changes, like regularly cleaning and preventing or treating mold spores that develop in the home. Getting regular and moderate exercise can help, as does eating the right foods and avoiding the harmful ones.

Alternative medicine also provides ways of controlling asthma symptoms. Meditation, yoga, and various herbal remedies can often benefit those with asthma who are not being helped by or wish to avoid taking prescription medications. Activities that focus heavily on breathing exercises can be very helpful for asthma sufferers.

Asthma can be a difficult condition to live with, especially for severe cases. Scientists are still looking for a cure, but the best hope for dealing with asthma symptoms is through education, awareness, early detection, and treatment. If you or your child have asthma symptoms, contact your doctor to discuss what you should do next.

The 5 Best Mascaras for Volume, Length, and Curl

If there is one cosmetic item that every woman should have in their purse, it is mascara. Mascara can be that special touch that makes your eyes pop, or helps camouflage that no-sleep look after a restless night. Mascara is truly the beauty pick-me-up that can make an enormous difference.

Because mascara can help change your look and improve your appearance when you need a little extra touch, it’s important to choose one that will provide you with the results that you are searching for. While you can buy any mascara at the store and hope that it gives you the curl and volume you want, it’s beneficial for you to do some research before purchasing to ensure you end up with the look you desire.

The best mascara provides lashes with the perfect balance of volume, length and curl, giving your eyes the wow factor that catches people’s attention.

The Top Mascaras on the Market

To help you find the mascara that will be the perfect addition to your go-to beauty products, we have compiled the best five mascaras on the market today.

they’re Real! by Benefit

Benefit is a well-known brand that makes quality makeup products and this mascara is no different. It offers incredible length, even for women who have very sparse eyelashes, and it doesn’t leave clumps. At a price of around $30.00, it offers top quality for a slightly higher expense.

It’s a great alternative for women who want or depend on eyelash extensions, as it does a wonderful job at enhancing eyelashes as the brand promises. It would be a great staple for your makeup bag due to its fair price, excellent quality, and durability.

Before buying, consider that the mascara bottle doesn’t contain a large amount of mascara, so be prepared to need to buy it on a semi-regular basis. But, the good news is that it is always best to only use your mascara for a short amount of time anyway. You should be swapping out your mascara for a new one every couple of months.

The Falsies Push Up Angel by Maybelline

Maybelline is a brand that you know, and perhaps, love. If you don’t, this mascara may change your mind. The name is fitting, because the look that you get from this mascara is akin to fake eyelashes, but the good news is that it will be “all you” – with a little help from Maybelline, of course.

The brush is long with a slight curve, so it offers that lengthening curl that so many woman desire from their mascara. The brush is the best shape for the type of flirty, long, and thick look that many women want out of their mascara.

At around only $6.00, it is the perfect low-priced mascara for that beauty extra that you can depend on at any given moment. Even at such a low price, it is a quality mascara for being a super-market buy. If you don’t want to spend over $20.00 on your makeup items, this could be the best mascara to meet your needs.

Hypnose by Lancome

In the world of beauty and makeup, this mascara is a must-have. It offers both curling and lengthening affects at an affordable price of around $25.00. It doesn’t get clumpy and offers the bold, dark texture and color that are so desirable in many mascaras. It’s also waterproof, which means that you can go ahead and tear up at the movies or kiss in the rain without worrying about making a mess.

The shape of the Hypnose brush is an S, which provides you with unique and curly eyelashes that will open your eyes for the world to see. For women who have naturally straight eyelashes and who want a curl, it works wonders. It’s easy to remove as well, with only a little bit of makeup remover needed. It works great for anyone who wants full, thick, and long eyelashes.

It isn’t the most crucial factor when looking at mascaras, but it’s worth mentioning that Hypnose doesn’t have that odd odor that is often found in mascaras. In fact, the unique smell is a highlight of the mascara.

Flutter-to-Full by Clinique

There aren’t many mascaras that can provide you with the option of going light or full, but Flutter-to-Full by Clinique offers woman a chance at switching up their look. It works great for that long, full, and thick look that you want for a night out, yet you can also wear it light for Sunday brunch.

It’s highly easy to use and it provides the perfect curl for a flirty look. It is also very easy to remove with warm water, and doesn’t leave clumps.

It stays on throughout the day and is an affordable option at around $21.00. Because of its versatility and functionality, it is a must-have for your makeup bag. It is the perfect mascara for anyone who wants to make sure they always have the perfect look for any occasion.

Lashblast Length by Cover Girl

The Lashblast Length mascara by Cover Girl has a long brush which helps to provide your eyelashes with the length that you seek. This mascara works wonders for women who want to add more length to their eyelashes to get that long and beautiful look.

However, It may not be the one for you if you are looking for extreme volume from your mascara. Lashblast Length by Cover Girl focuses more on length, as the name suggests, than thickness, but it still provides you with average volume.

While it may be labeled a “supermarket find,” this factor doesn’t take away from its durability and functionality as a perfect go-to mascara to keep in your purse. At only around $8.00, it offers both quality and affordability.

How to Know Which One is for You

When looking for a mascara, there are things to consider to make sure you get the one that works best for you. Some mascaras are better at enhancing volume, some length, some curl. There are even mascaras that boast the ability to positively affect all three components.

If you want that longer or curlier look, you may want to pick one with a long brush that has a slight curve. The shape of the brush helps to ensure that when you apply the mascara, it will provide you with that long flirtatious volume you want.

This list should help provide you with some options to choose from, with each one providing distinctive features that will offer you the results that you are looking for.

 

Reverse Mortgage 101

A reverse mortgage is a type of loan that allows a homeowner to gain access to the equity in their home. It is available to people who are 62 years of age and up. During a reverse mortgage, the homeowner does not pay mortgage payments. Instead, the interest accumulates on the loan and the full balance becomes due when you die or leave the house.

The goal of a reverse mortgage is to give elders access to home equity without forcing them to pay monthly payments. They are still responsible for insurance and other regular bills. The reverse mortgage is designed to provide supplementary money for seniors to help them during their retirement.

What to Look for in a Reverse Mortgage

A good reverse mortgage will have a low interest rate and good customer service. The lower the interest rate is, the slower the balance owing will grow. That leaves less to pay off at the end of the loan when the balance comes due. It’s a good idea to shop around and see what different companies offer when it comes to a reverse mortgage. The longer the loan will last, the more a low interest rate will make a difference.

Better customer service makes the company easier to work with when it comes to things like helping you understand the paperwork, and keeping up with the progress of the loan. A good company will be sure that you know exactly what to expect before you commit to anything.

Make sure the loan servicer has a good reputation in the industry, too. That way, you will know that they are more trustworthy. Some unscrupulous companies try to trick people into signing contracts with them, but they aren’t a true reverse mortgage company. Look up reviews, testimonials, and other sources of information.

What is a Reverse Mortgage Calculator

A reverse mortgage calculator is a tool that lets you calculate the various parts of a reverse mortgage loan, so that you can see in advance how much the loan will be under different circumstances.

For example, you can try out different years to see what the balance of the loan will be if you leave your home after eight, ten, or fifteen years. You can also test out different choices for the interest rate to see how that will affect the balance.

These are important because they make a big difference to the final balance, so it is good to know that balance in advance. Nobody can perfectly predict exactly how long the loan will run, but with an educated guess, you can learn more about the final balance. It is worth noting that usually a reverse mortgage’s final balance cannot be higher than the value of the home, so that acts as a useful upper boundary on what the total can be.

A reverse mortgage calculator is a perfect tool to help you plan because you can test out different scenarios quickly and easily. It helps you make preparations and decide whether you could benefit from taking out a reverse mortgage.

Reverse Mortgages for Seniors
Reverse mortgages are meant to help seniors take advantage of the equity in their homes and supplement their income without having to leave their homes.

There are many benefits to staying in your home, from being able to maintain your lifestyle and social life to convenience. However, retirement can be unpredictable. Using a reverse mortgage can help to ensure a steady stream of income that will support you. Unexpected medical expenses and other surprises can really disrupt your plans during retirement. With a reverse mortgage, you can use the equity in your home to overcome these obstacles.

The terms and conditions of reverse mortgages are specially designed for seniors who are in retirement and who want to keep their homes, so if that describes you, consider a reverse mortgage. If you are concerned about retirement, especially when it comes to unexpected events that can cut into your savings, then perhaps you need access to an emergency fund or extra money. A reverse mortgage can do that.

Is it Right for You?

When thinking about whether you should get a reverse mortgage, do a little research first. Think about your current financial situation and what it will be like in the future. Do you have enough money saved to live comfortably? What will you do in an emergency? Do you feel secure? Do you wish that you had easier access to ready cash?

These questions can help you narrow down whether a reverse mortgage is a good fit for your situation. Not all seniors need a reverse mortgage, but for many it can be life-changing. If you own your own home and wish to stay in it, then a reverse mortgage becomes that much more attractive because it lets you tap into all the equity that you have built up in your home. You won’t need to make any payments on the mortgage at all until the end when you leave the house. That makes it easier to manage your monthly budget. You simply continue to pay your ordinary bills and other expenses and live in your home as you did before, because you still own it.

Pros

  • A simple way to unlock the equity in your home without having to take on a monthly mortgage payment when you already own your home
  • Quick access to money that you can spend on your daily expenses or save in case of an emergency
  • An easy to use and understand loan that provides immediate relief without having to go through a lengthy approval process

Cons

  • It is necessary to keep track of the loan balance so that you or your heirs can be prepared to pay it when it comes due

That is all you need to know to make a decision on a reverse mortgage for you and your family. It is a loan product that has many satisfied customers all over America and the world. You have spent your life building equity in your home, and now you can use it with a reverse mortgage. The key lies in the special rules that the federal government created to help seniors who are retired. The reverse mortgage can fill in the gaps during retirement when you no longer have access to a regular income from work.

Reverse mortgages are becoming more popular recently because more people are retiring with homes, but feel insecure about their income. If this describes you, too, then you might be a future reverse mortgage customer.

Best Anti-Aging Beauty Products

Everyone experiences it aging differently. Some greet it warmly and embrace the changes, while others want to preserve their youthful glow for as long as possible. As we get older, our bodies respond to age with unfortunate side effects like lines, wrinkles, and sagging. While an aging body can be disappointing, modern cosmetics have produced some of the best anti-aging treatments to help. These treatments can be found in any drug store, physician’s office, grocery store, or even your own home.

As we age, we want to return to our younger days and have our skin return to those days with us. While there is no true “fountain of youth” that promises eternal beauty, there are many different forms of treatment available to help fight the effects of aging.

From lotions and creams, to at-home remedies, supplements, and surgery, there are treatments that can be used daily or added to your diet with varying degrees of success. From affordable to bank-breaking options, there are anti-aging treatments to meet any kind of need and budget. The following information is aimed to give insight to the many forms of anti-aging treatments that are available, what they do, and how to use them.

Lotions

Many people use various beauty products as part of their everyday routine, but few know that there are many lotions and creams available to help with anti-aging. These products can be used daily and can help your skin looking healthy, vibrant and young. Anti-aging creams and lotions work by promoting collagen and improving elasticity in the skin. They can also contain ingredients that turn on certain enzymes that go after wrinkles and scars.

Anti-aging lotions moisturize like most other lotions, helping to keep skin healthier and suppler. Most of these lotions are loaded with ingredients that help improve the appearance of wrinkles and leave you with healthier looking skin. Retinol, Vitamin C, and Hydroxy acids are common ingredients in these creams.

  • Retinol is a compound of Vitamin A and neutralizes the unstable molecules that break down the skin cells and ultimately cause wrinkles.
  • Vitamin C is an extremely potent antioxidant that helps protect the skin.
  • Hydroxy acids are varying forms of exfoliants that remove old, dead skin and help to encourage new skin growth.

Companies like Garnier, Aveeno, Neutrogena, Oil of Olay, and Lancome, among many others have created many different kinds of lotions and creams for anti-aging. Some of these products are meant to be used at night, others during the day. Some products offer SPF protection or additional moisturizing ingredients. If your wrinkles are worse around your eyes or mouth, there are anti-aging lotions available for those specific areas. There are lotions that promote firm skin, increase cell turnover, and use collagen to help fill in fine lines.

Surgery

Plastic and cosmetic surgeries have become increasingly popular in recent decades and there are now many more permanent options available for anti-aging treatments. If you’re looking for an anti-aging solution that is more permanent, there could be many options available to you.

Procedures like microdermabrasion and chemical peels can be done in a non-surgical setting and is relatively affordable. These procedures help to soften lines, exfoliate the skin, and refine skin texture. There are also injectable procedures that are simple and relatively cost-efficient. Botox is the most common form of injectable anti-aging treatments. Botox contains toxins that block muscle contractions within the skin, reducing frown lines and wrinkles. This procedure is simple, quick, and does not require an actual surgery.

A more expensive approach is laser resurfacing. This procedure uses a laser to make skin tighter, smoother, and more even toned. It is a more permanent option, but treatments must be done every few months to receive the maximum benefits.

Of course, there is always the option of cosmetic surgery. These surgeries are the most expensive option, are done in a surgical setting, and require the most recovery time. Of course, these surgeries are also the most permanent methods for anti-aging treatment. Cosmetic surgeries for anti-aging could range from face lifts, brow lists, and eyelid surgeries.

Home Remedies

For the more natural and affordable choice, there are many things you can do at home to add to your anti-aging regimen. Store-bought products can be expensive and could contain chemicals that could hurt your skin. There are many natural ingredients that can be found at home that contain youth-boosting antioxidants and acids just like the ones found at the drugstore.

Homemade lotions and creams like a rice milk cleanser contain natural ingredients that are rich in Vitamin E and help to exfoliate the skin. The rice milk adds some retinol and calcium to the formula, just like those store-bough lotions and creams. Homemade masks with natural ingredients like oats and honey have anti-inflammatory properties and contain essential fatty acids that can clean and brighten the skin. Homemade remedies that contain things like aloe vera, ginger, fenugreek, and olive oil can help give your skin attention from very important antioxidants that fight those skin-damaging free radicals.

Simple things like living a healthier lifestyle and caring for your skin are some of the easiest ways to maintain healthy skin. Using sunscreen when you go outside is an easy way to protect your skin from future wrinkles. Getting the proper amount of sleep is another way to help your skin get healthier at home. Daily exercise can also help the skin by regulating hormones and increasing blood flow.

Supplements

For the same reasons that the ingredients in lotions and creams work, supplements can be an easy way to add these benefits to your daily regimen. There are many products available in stores and online that can be taken daily to promote healthier, younger skin. Nearly all the ingredients found in lotions and creams can be found in a natural supplement, without any of the harsh chemicals that could hurt your skin. These supplements can also kill two birds with one stone; offering you younger, healthier skin while also adding healthy nutrients to your diet.

Supplements that contain the following ingredients can be added to your anti-aging regiment for better skin:

  • Vitamin C: This powerhouse can protect your skin against wrinkles and skin dullness by decreasing oxidative stress within the cells. This allows cells to grow normally, skin to regenerate, and skin to be healthier. Its regenerative power helps make your complexion more vibrant.
  • Vitamin E: This vitamin protects skin from UV radiation and environmental damage and contains anti-inflammatory properties. This is essential for skin regeneration and cell turnover. As an antioxidant, Vitamin E can help remove dead skin and produce more radiant cells to take its place.
  • Glucosamine: Used usually as a topical ingredient, it can also be found in supplements to help fill fine lines and fight against sagging skin. It can hasten the healing of wounds, decrease wrinkles, and improve the hydration of skin.

With so many anti-aging products and treatments available, it is important to do your research and find the best method for you. Some treatments are better suited for some more than others and some treatments can save you more money than others. This guide will set you and your skin on a better path to healthier, younger looking skin.

Life Insurance 101

You’ve watched the commercials enough to know that you need life insurance, but may still be uncertain as to how much you should buy. When is the right time to invest in a policy, anyway? How do insurance companies determine premium rates? These questions and more are answered in the guide below!

Life Insurance Defined
Life insurance is a contract between you and an indemnity company that guarantees monetary payment to your loved ones in the event of you passing away. You must name a beneficiary as the recipient of the policy and make premium payments promptly every month.

Upon your death, the benefiting family member or friend must inform the insurance company that you have passed away. The indemnity provider then sends documents that must be completed for funds to be released. Policyholders who do not name loved ones as beneficiaries will have funds from their contract regulated by a mediator appointed by the courts upon their death.

Two Main Types of Life Insurance
There are two central types of life insurance: term and permanent indemnity. Term insurance gives your beneficiaries payouts in the instance of your death, if it occurs before the term of your insurance policy has convened. Terms can be anywhere from five to twenty years, but do not cover individuals beyond 95 years old.

One central benefit of term insurance is its cost. Another advantage of the policy is its ability to convert to permanent indemnity in the future. You can purchase term life insurance at a low rate when you start your career and upgrade to a standing policy when you move up the corporate ladder.

Permanent life insurance is different from term indemnity as it sometimes gives dividends while you are living. The plan builds cash value with every timely payment and lets your beneficiaries receive monetary gains at your death regardless of when you pass away. Many middle-aged individuals go the extra mile to buy a permanent policy because of the savings benefit associated with the plan.

Types of Term Life Insurance
The most popular type of term insurance is the level premium policy. This contract guarantees the monthly price of your plan remains the same regardless of inflation and other economic increases. Many young adults invest in these sorts of plans to lock in a low monthly rate for the next twenty years.

Other term insurance policies that are less common are the annual renewable term, and decreasing coverage. Many indemnity companies do not offer these plans to individuals and families since they are not suitable for seekers who need a substantial financial cushion in the event of death.

Types of Permanent Life Insurance
Whole and universal life insurance are two of the most popular permanent indemnity plans around. Whole life policies come with the benefit of monthly payments remaining the same along with other perks that older customers enjoy. Universal life insurance is similar as it also comes with benefits that you cannot receive from a term indemnity policy. Variable and variable-universal life insurance are two other policies from which customers can benefit.

How Indemnity Companies Provide Life Insurance
Indemnity plans are either simplified issue or fully underwritten. Simplified issue policies require you to complete a questionnaire concerning your health but do not call for a complete medical examination. Most indemnity companies charge more for simplified issue contracts because proof of good health is not necessary for guaranteeing coverage.

Many customers exchange the fast process of a simplified issue plan for the lengthier fully underwritten policy. An underwritten policy requires applicants to undergo a medical exam that includes lab work for approval. Individuals in good health are typically given lower premiums, while those with a few complications are granted a contract with higher monthly payments. Persons with chronic illnesses sometimes face denial of underwritten plans because of poor health.

Factors that Determine Premium Rates
Age is usually the greatest factor that providers use when determining how much to charge customers for monthly premiums. Younger applicants tend to get lower quotes for payments, while senior citizens are charged more on a monthly basis because of the varying life expectancy between the two groups.

Other factors that influence premium rates are as follows:

  • Gender
  • Family medical history
  • Marital status
  • Location
  • Lifestyle

Women usually receive lower premium quotes than men because of their longer life expectancy. Individuals who are not married also pay less because they have fewer obligations than their married counterparts. Lifestyle choices significantly impact monthly payments for life insurance as smokers shovel out double in premium rates than those who are not addicted to nicotine. Athletes who participate in extreme sports, such as skydiving, may also find themselves paying more for life insurance as such activities negatively impact life expectancy.

How Should You Choose a Plan?
Different stages of life call for different life insurance policies. How much insurance you need depends on life changes that include whether you plan to have a large family in the future.

Here is a brief breakdown of how to purchase insurance based on four of the more popular stages in life.

Married Couples with Small Children
Young families usually purchase more coverage because of the risks associated with parenting. At any time, your small child can develop a life altering illness that requires you to become a stay-at-home mom or dad. You need an insurance policy that lets you use interest earned as a form of income replacement so that household expenses do not become overwhelming. It is for this reason that most young families start out with a term insurance plan and convert it to a permanent policy when finances are stable.

Married Without Children
Couples who share the burden of household expenses may not need as much life insurance coverage since both parties are earning enough to take care of bare necessities apart from the other spouse. Purchasing the cheapest term life insurance to pay for final expenses may be the best option for these applicants.

Single Parent
Studies show that single parents are at a financial disadvantage because they earn nearly three times less than households where both parents are present and working. Single moms and dads, however, need a life insurance policy that is large enough to cover funeral expenses and household expenses in the event of their death. The best policy for such parents, then, is a term plan that offers a good rate for the most cash payout.

Retired Senior Citizens
You’re under the age of 80, and ready to enjoy life as a retired citizen. Purchasing term life insurance is the best option since your retirement earnings coupled with savings should be enough to meet your basic needs. You may want to consider a permanent policy from which you can borrow against if you are one of many retirees with outstanding loans and other financial obligations.

Nothing is for certain except death and taxes. Life insurance is a necessary purchase for every household.

The Best Credit Card for Your Needs

When you’re in the market for a new credit card, it can be easy to feel a bit overwhelmed by the sheer number of options available today. While some credit cards are designed for building or improving credit, others reward consumers who have excellent credit with a host of benefits. Still, that’s not the whole story. (more…)

How to Satisfy Your Sweet Tooth on a Budget

Sweet cravings can hit at any moment. You know the feeling, when you need something sweet and indulgent right that minute. However, you might find yourself on a budget and usually the first thing to get cut is any extra unneeded expenses, like sweets or junk food. What is a sweet tooth to do? (more…)

Comedy Gold: Where to Find the Best Jokes for Your Routine

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Pet Insurance 101: What You Need to Know About Insuring Your Pet

If you’ve ever had to rush your dog to the vet after being injured by another animal or falling ill, you know just how expensive veterinary care can be. A single visit can cost hundreds of dollars. If your pet needs ongoing care for a chronic condition or a serious injury, you can easily spend thousands of dollars. (more…)

How to Save Money on Diapers

Everyone loves their new little bundle of joy, but babies can be costly — especially when it comes to diapers. The cost of diapers has only gone up as brands compete against each other to offer more comfortable and fashionable diapers with a myriad of new features. The sometimes outrageous cost of diapers has led many frantic parents on the search for any sort of savings on diapers that they can find. (more…)

10 Warning Signs You Might Be Pregnant

While the only sure way to know whether you’re pregnant is with a pregnancy test and visit to your doctor, some of these telltale signs can help you determine if, in fact, you now have a fetus developing inside of you. Here are 10 warning signs you might be pregnant: (more…)

Best Tips to Making Moving Easier

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Take Control of Your Health: What You Need to Know About Your Pulse, Blood Pressure, and More

Nowadays, more and more people are becoming health conscious. Everywhere, you can see a lot of people working out in gyms, in parks, and at home.

Need some motivation to push you toward joining their ranks and taking up exercise yourself? When you exercise, the most common benefit you can get is an improvement of your pulse rate and blood pressure. Let’s talk about why this particular benefit is so important to your overall health. (more…)

5 Crock Pot Recipes for Busy Weeknights

On a busy weeknight, the last thing you want to think about is complicated meal prep. Slow cooker recipes take the hassle out of dinner — simply toss the ingredients into the Crock Pot in the morning and come home to a hot, flavorful meal. Whether you’re juggling social engagements or shuttling kids to after-school activities, these easy Crock Pot recipes make it easy to serve tasty, filling meals. (more…)

What You Need to Know About Unlocking Your Cell Phone

Whether you’re taking an extended trip to a foreign country where you want to use an international SIM card, or keeping your phone but changing phone companies after your contract has finished, you will probably need to unlock your phone to allow you to use the device with a new company’s service plan. This process can be time consuming and aggravating, but it is certainly worth the money you’ll save by keeping your old phone instead of buying a new one. (more…)

Getting There: Apps and Sites That Make Driving Easier

Technology is changing the way that we drive. We’ve come very far from the days of needing to plan your route out on a paper map and have even advanced well past needing to print your directions from your computer before you go. Today, planning for your drive means keying your destination into an app and allowing GPS technology to find the best way to get you there. (more…)

What’s On the Menu? 5 Tips for Getting the Most Value From Fast Food

Many people think of fast food meals as generally being cheap dining options. That doesn’t mean there aren’t ways to make them even cheaper and more economical, however. (more…)

What You Need to Know About Shipping With FedEx

Whether you have a small business and send a large volume of packages, or just want to send a gift to a loved one, there are so many benefits to choosing FedEx over the post office. However, it can also be tricky to figure out how to make the most of shipping with FedEx. (more…)

5 Things to Know About Shingles

The shingles virus, also known as herpes zoster, is a painful skin rash that affects one in three people at least once in their lifetime. It is characterized by inflammation of the nerves and a painful, blistering rash. There are people who are more at risk than others, but shingles can affect anyone, especially those with a weakened immune system. (more…)

5 Menopause Symptoms You Should Know About

Menopause is a natural and inevitable occurrence for women, yet there is still some confusion as to how to deal with the symptoms that may range from merely inconvenient to severely altering an individual’s everyday life. (more…)

5 Things to Know About Parkinson’s Disease

Parkinson’s disease is a condition of the brain that affects bodily movement. There is a neurotransmitter called dopamine that’s in the brain. Neurotransmitters are brain chemicals that activate the different parts of the brain. The cells that produce dopamine in the brain break down in people with Parkinson’s disease. The result is that there is not enough dopamine to activate the parts of the brain that are involved in bodily movement. (more…)

5 Things to Know About Lyme Disease

Lyme disease is an infectious disease transmitted through the bite of a deer tick. In the US, Lyme disease has been found and diagnosed in all 50 states and the CDC estimates that 300,000 people are diagnosed with the disease every year. With the rates of Lyme disease rising rapidly, it is important to be well-informed about this issue. (more…)

Diabetic Diet: Controlling Your Blood Sugar

Exercising and maintaining your optimum weight will help you to control your blood sugar, but the foods you eat on a daily basis can play just as big a part. Some foods are helpful in diabetes management because they prevent your glucose levels from getting out of control, some can even keep you from overeating by making you feel fuller. (more…)

5 Things to Know About Teeth Whitening

An obsession with whiter, brighter teeth is sweeping the country. A staggering number of new teeth whiteners have flooded the market over the last 20 years.

Are Americans really that vain? Researchers believe that there’s more to it than that. A 2007 study of corporations across the U.S. revealed that job candidates whose teeth had been whitened were hired more often and received better compensation. Scientists at Penn State University found that clean teeth play a key role in mate selection. A winning smile is not only sexy, but it sends a nonverbal message of health, safety and stability. (more…)

Saving Money With Coupons: 5 Top Tips

You want to be smart about how to use coupons effectively. You know that coupons are available both in paper format and online. You know that you can get coupons for anything, but groceries and paper products like toilet paper are the most popular items. But how does it all fit together? (more…)

Cruises: Your Guide to Fun on the High Seas

Cruising while you’re on vacation is one of the most popular pursuits across the world. Boarding a cruise ship for three days or longer means that you can explore the open ocean and certain ports without any worries about travel logistics. You simply let the captain do his or her job as you enjoy the on-board amenities. To get the most out of your cruise trip, take a look at this guide to all the fun you can imagine. (more…)

Pet Food: What You Need to Know About Feeding Your Furry Friend

When searching for food for dogs and cats, pet owners have one thing in common: they want to find the best quality nutrition available at a price that suits their budget. As you shop for pet food for your furry friend, keep in mind that a number of different factors should be taken into consideration when deciding which one is the best fit for your individual pet. (more…)

GED Testing: 5 Things to Know

Because the traditional model of education of does not work for every student, the General Educational Development exam exists for those who cannot or do not wish to pursue a high school diploma. Whether you are an older individual who left high school at a young age to pursue work endeavors or you are a younger student who simply wishes to exit high school sooner than your peers, the GED might be right for you. (more…)

Types of Scholarships to Consider

If you want to get a great job in a field that allows you to do what you love, then it’s vital to get a quality education. The problem is that going to college isn’t cheap, and the admission prices continue to rise every year. This issue has left many people unable to pay for college without getting student loans.

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Adult ADHD: 5 Things to Know

Attention-deficit/hyperactivity disorder is often thought of as a pediatric condition; however, it often continues into adulthood. Some adults with ADHD were diagnosed as children and continue to experience symptoms, while others were not diagnosed in their childhood. (more…)

Latest and Greatest COPD Treatment Options

Chronic obstructive pulmonary disease, also known as COPD, is a disease that makes it difficult to breathe, and gets worse over time. COPD can cause deep coughing, producing a large amount of mucus, wheezing, chest tightness, shortness of breath, and other symptoms. The leading cause of COPD is cigarette smoking or long term exposure to lung irritants.

In addition to the traditional inhaled medicines that are used to help open inflamed lung airways in people who suffer from COPD, new treatments are helping to lower the numbers of severe flareups COPD patients experience. (more…)

Type 2 Diabetes Treatments: Just the Facts

It’s an astounding number: currently, 9 percent of Americans are diagnosed with some form of diabetes. That number is expected to rise to 33 percent by the year 2050. With Type 2, the most common form of the disease, either the pancreas doesn’t produce enough insulin or the body is resistant to properly using insulin to turn food into energy. New research in the field continues to contribute to more effective diabetes treatments. (more…)

Things to Know About Cross-Country Travel in the USA

Traveling cross-country by bus sounds like a charming way to travel. Inexpensive and generally safe, you can see the world from the seat of a motor coach. While US bus lines can make travel relatively simple and uncomplicated, there are several tips that can make your trip particularly easy and stress-free. (more…)

4 Things to Know About Buying Stocks

Investing in the stock market can be an effective way to build wealth faster than the rate of inflation. In other words, you are increasing your wealth in terms of real dollars that will help you fund your retirement or help you meet other goals later in life. However, it is important to know what makes a stock worth buying or worth holding for the long-term. (more…)

Continuing Education: 5 Things to Know

The decision to continue your education is a difficult one. Higher education costs are soaring while class sizes keep growing, making it hard to determine whether attending a college or university is worth it. There are many benefits of continuing education and here are five things to keep in mind when making this decision. (more…)

Teeth Whitening

A bright white smile can increase your confidence instantly. Teeth whitening used to be an expensive cosmetic treatment that was performed at the dentist’s office. Luckily there are now many affordable and easy to use teeth whitening options that you can do out of the comfort of your own home. Read on to find out more about teeth whitening products and treatments.

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Weight Loss: 5 Things to Know

It’s incredibly frustrating to feel like you can’t lose weight, even with diet and exercise. Whether it’s 100 pounds or just those stubborn last five, losing weight can be tough, especially when you don’t see any results right away. Sometimes this leads people to try to drop the weight in unhealthy ways like fad diets or extreme exercise routines, but these attempts at accelerated weight loss are likely to fail if they aren’t accompanied by permanent lifestyle changes. (more…)

5 Things to Know About Oil Change Coupons

Oil changes are a fact of life if you are a car owner. Unfortunately, it can be easy to overlook this bit of necessary maintenance, since the effects of a missed oil change aren’t always immediately apparent. Getting into the habit of delaying or ignoring oil changes is a big mistake, though. (more…)

Online High School: 5 Things to Know

Online high schools become more popular, viable and convenient each year. They provide a flexible means for both traditional and non-traditional students like you to acquire a quality secondary school education at your own pace, on your own time and in the privacy of your home.

There are thousands of online high schools and virtual high school diploma programs to choose from, and you probably don’t have time to evaluate each one. Instead, bear a set of criteria in mind to aid your search. (more…)

How to Find Your Dream Job in 5 Easy Steps

The average job search in the United States takes 43 days, according to Money, and as long as 65 for those who work in the healthcare industry. And this is if you’re willing to put in a diligent effort to finding the ideal job, not just floating a few resumes out there each week. Whether you’re unemployed or looking to make a career switch, here are five things you’ll need to do to find the perfect job: (more…)

Top 10 Dog Breeds

If you love dogs, you already know that selecting the top 10 dog breeds is a tougher task than it sounds. You can look at creating such a list from so many angles! You may have your own opinions on the cutest dog breed, the smartest dog breed, the most loyal dog breed or the best rescue dogs. (more…)

Credit 101: How to Check, Build, and Maintain Your Credit

Good credit is important to almost everyone. Without a good credit score, you have to pay more to borrow money. With bad credit, it’s difficult to get essential financial tools like credit cards, auto or mortgage loans.

According to the three major credit reporting agencies (CRAs), almost 25 percent of consumers identify some type of errors on their credit profiles. Without the individual consumer’s attention to these errors, credit reporting agencies continue to report them to prospective lenders. U.S. credit laws protect the individual’s right to dispute these errors. This is just one of the reasons that knowing how to check, build, and maintain your credit is essential in today’s world. (more…)

Back Pain: 5 Things to Know

Back pain can be debilitating and disabling. Millions of Americans have a problem with back pain. It’s the leading cause of disability in people younger than 45 years of age. If you have back pain, then there are some important things to know about it. This way, you can address it and find the appropriate treatment for it. (more…)

Online College: 5 Things to Know

When online colleges were in their nascent stages, many people were skeptical about them. Whether they felt these programs were not as strong as their brick-and-mortar counterparts or they did not have the right tools to access online learning platforms, students did not pursue these programs as readily as they do today.

Since online learning has become more popular, you may have a vested interest in enrolling in such a program. Before you do, make sure you keep some important information at the forefront of your mind to ensure that you select the right program. (more…)

Erectile Dysfunction: 5 Things to Know

Erectile dysfunction or ED is a condition that hinders men from getting an erection that is firm enough to allow them have sex. This is sometimes referred to as impotence.

Research shows that a good number of men experience erection problems in the course of their lives. This condition can occur regardless of one’s age. However, it is more prevalent among older men because they tend to have many health problems, which affect their blood supply to the penile region. (more…)

Everything You Need to Know About Cholesterol

Every cell in your body has this wax-like substance in it called cholesterol. Cholesterol is required for the production of hormones and vitamin D, and it aids in digestion. Although the body needs cholesterol, too much of it can harm your health. You may not know you have high cholesterol because this condition’s most common symptoms are none at all. (more…)

5 Things You Didn’t Know About Cloud Computing

Cloud computing is a term used to refer to the trend of moving computing to the Internet. Beginning with the widespread adaptation of home computers and continuing until recently, applications or software would be downloaded onto a physical computer or installed on a nearby server. When you clicked on the icon to begin a task, you were manipulating information directly from your computer.

With cloud computing services becoming more standard, users are having to shift the way they think about computing. Now, everything seems to be moving to the cloud. Here are five interesting angles to the concept you might not have thought of. (more…)

Understanding Income Tax (It’s Simpler Than You Think)

Each year, millions of Americans file an income tax return with the federal government. Many people also file income tax returns to their state and local governments as well. However, just because we are used to doing our taxes each year doesn’t necessarily mean that the tax code is easy to understand. (more…)

Comparing Phone Plans? Read This First!

The U.S. wireless industry went through quite a few years of relative complacency, where competition was rare and prices seemed destined only to go higher. In the last several years, however, things have changed dramatically. Competition has come back to wireless, and the four national providers have worked hard to build faster networks, more competitive plans, larger data buckets, and more value-added features.

Shopping around and looking for a new carrier never been more fun, nor has it ever been more confusing. Before comparing carriers and choosing a new plan, there are a few things to know that will help simplify this process. (more…)

Psoriasis: 5 Things to Know

Psoriasis, which is technically called “psoriatic disease,” manifests as a skin condition which is actually just one of the most common symptoms of an underlying autoimmune disease. In addition to the visible skin changes, psoriatic disease can have some other equally devastating symptoms, including diabetes and heart disease.

In this post, learn more about psoriasis, including 5 critical things you need to know right now. (more…)

Drug and Alcohol Addiction: 5 Things to Know

Drug and alcohol addictions are medical conditions characterized by the compulsive action of partaking in these substances, despite the severe adverse consequences. People who are addicted to drugs or alcohol choose the positive feelings that they get from these substances over the negative effects on their life and body.

Aside from the involvement of social factors, a biological process is involved to develop and maintain an addiction. This biological process is caused by the repeated exposure to the addictive substance. All addictive substances are reinforcing to the user, meaning that they create a high likelihood that users will want to use them repetitively. Addictive substances are also intrinsically rewarding, which makes the user temporarily feel good. (more…)

Rheumatoid Arthritis (RA): 5 Things to Know

If you have recently been diagnosed with rheumatoid arthritis (RA), you may have many questions and concerns. While RA can develop at any age, those in their twenties and thirties typically begin to show signs of stiffness, joint pain and fatigue. This is caused when your immune system attacks the synovium (lining of the joints), producing painful inflammation. The seriousness of a person’s RA can range from mild, moderate or severe. (more…)