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Whole Life Insurance – Why it may not be right for most people
Finance

Whole Life Insurance – Why it may not be right for most people

Whole life insurance is permanent, lifelong coverage designed to cover individuals until their deaths. This type of insurance has a cash value feature that grows at a guaranteed rate every year. This implies that it can be used as savings by taking loans against the policy’s cash value or making withdrawals on retirement. It is a popular option for those who wish to secure their loved ones financially. However, it may not be ideal for everyone. Pros and cons of whole life insurance Before understanding why whole life insurance isn’t right for most people, one should know about its pros and cons: 1. Pros of whole life insurance Like any other type of insurance, whole life insurance has several advantages, including the following: Is lifelong One advantage of whole life insurance is that it lasts for the entire lifetime as long as premiums are paid. Has death benefits Whole life insurance provides a death benefit to the beneficiaries, irrespective of when a person passes away. This does not vary depending on the policy’s market investment; instead, it is guaranteed to pay out at least the face value of the policy. Comes with fixed premiums With whole life insurance, a person is aware of the premiums that have to be paid for life, unlike other types of insurance, where the premium cost may increase later.
10 reasons to consider buying whole life insurance
insurance

10 reasons to consider buying whole life insurance

Getting whole life insurance is a good idea because it secures the family’s financial future. When the policyholder passes, the insurance company provides the beneficiaries with a death benefit. They can use it to pay funeral expenses, settle debts, and cover daily living expenses. These policies are easily available, so anyone can find them. Those unsure about buying whole life insurance can research and learn its benefits to make an informed decision. What is whole life insurance? Whole life insurance is a type of life insurance designed to cover the policyholder for life. In other words, it protects people for as long as they live. Of course, one must pay premiums to avail of this service. The premiums for whole life insurance are usually fixed, but it is best to confirm that with the provider. Some plans may have variable premiums that go up or down over time. Death benefits are paid to the beneficiary upon the policyholder’s passing. Why purchase whole life insurance? Whole life insurance is among the most popular insurance policies. It offers many benefits that attract people, such as lifetime coverage, tax benefits, and, most importantly, peace of mind. Here are some reasons why purchasing whole life insurance is a great idea:
5 things term insurance does not cover
insurance

5 things term insurance does not cover

Insurance plans provide financial support in the event of illness, injury, loss of work, theft, loss of life, and property damage. One of the most common types of insurance policies sold in the country is term life insurance—a type of life insurance that offers coverage for a specified period. With this plan, the benefits are typically provided to the nominees of the policyholder. But this type of plan may not cover everything.  Term insurance coverage Term life insurance is one of the most popular and straightforward insurance plans. It is less expensive than whole life insurance as it only lasts for a fixed period, usually between 10 and 30 years. While the exact terms can vary for each policy, term insurance typically covers d eath due to natural causes,  accidents, or illnesses. Term insurance exclusions While term insurance is known for offering decent financial coverage, its scope can be limited, covering only specific events or conditions listed in the policy document. The amount of coverage can also be limited at times. There are many things that a term insurance policy may not cover, and they are called exclusions. One should know about these exclusions while signing up for an insurance plan to avoid getting their claims rejected later.
Foods to avoid when one has multiple sclerosis
health

Foods to avoid when one has multiple sclerosis

Adding certain foods to  one’s  daily meal regime can help one stay healthy. On the contrary, some foods may worsen  one’s  health. Further, the choice of foods in  one’s  meal is particularly crucial if one has multiple sclerosis. Poor food choices may trigger inflammatory changes that aggravate the condition. In addition, certain foods may result in worsening multiple sclerosis symptoms, such as bladder and bowel function, cognitive changes, and fatigue.  Damage to the myelin sheath triggers this autoimmune  disease’s  symptoms. This sheath sends signals between the spinal cord and brain to other body parts. A faulty sheath can cause the nervous system to misfire messages. So, following a nutritious meal plan can be useful  when one has  multiple sclerosis. Ideally, low-fat, fiber-rich, heart-healthy meals can be beneficial. It is important to learn about the different types of foods to avoid with multiple sclerosis. Saturated fats Full-fat dairy Palm oil Coconut oil Why avoid them? Saturated fats cause inflammation and also also increase the probability of conditions, such as hyperlipidemia, hypertension, and cardiovascular diseases that make multiple sclerosis more challenging. In addition to this, it can also cause high cholesterol that can result in atherosclerosis, which can put one at risk of stroke and heart attack. So, it’s best to avoid foods that are high in saturated fats.
5 lesser-known features of term insurance
insurance

5 lesser-known features of term insurance

Term insurance is just like life insurance. The only major difference is that while life insurance covers the policyholder all their life, term insurance protects for a fixed duration. If the policyholder or the insured passes away within that period, the insurance company pays the beneficiaries the claim amount. Term insurance plans are available nationwide at several insurance companies and financial institutions, so one can easily sign up for them. Why purchase a term insurance plan? Like permanent life insurance, term insurance offers several benefits, making it a good investment option. The biggest reason to buy a plan is that it provides financial stability to the family and dependents after the policyholder’s passing. All one has to do is visit an insurance provider, choose a suitable policy, and pay a regular premium. Then, in case of an untimely death, the company will compensate the beneficiaries. A policyholder can rest assured that their family will continue to have access to finances and maintain their standard of living after their passing. The loved ones can use the money to pay their daily expenses, like groceries and utility bills, and even pay off debt. This peace of mind is why many get a term insurance plan.
A guide to choosing the right mosquito repellent device
Everything Else

A guide to choosing the right mosquito repellent device

It is important to choose the right repellent device to protect oneself from mosquitoes. With various available options, understanding what to look for in mosquito repellent devices is essential. Effective repellents should be easy to use, safe, and provide protection for a longer duration. From nets to electronic devices, finding the right repellent can make a significant difference in warding off these insects. Some important factors should be considered when selecting a mosquito repellent device. What to look for in a mosquito repellent device? Before buying a mosquito repellent device, one should consider a few factors to ensure one chooses the right device. For instance, if there are children in the family, one should look for mosquito repellent devices that are safe for the skin and the respiratory system. Here are some factors that individuals should consider while looking for one: 1. The size of the area the device can cover There are many types of mosquito-repellent devices on the market. One should choose a device based on the size and dimensions of the area the device can cover. For instance, small portable devices are ideal for indoor spaces, like homes and small rooms, while one can consider installing a larger or permanent system for large areas.
9 tips to buy a low-priced used car
auto

9 tips to buy a low-priced used car

Buying a used car is one of the best ways to save money on the purchase. It is also possible to get all the features and accessories one wants in a pre-owned car that would otherwise be extremely expensive in a brand-new car. Though a cheaper alternative, buying a pre-owned automobile can still be a costly affair. To avoid that, one should spend some time carefully considering the purchase decision and preparing for negotiations. 1. Determine a budget Before one starts looking for used cars online or at dealerships, one must determine how much they are willing to spend. The budget should be set by considering the upfront cost of the car, repairs it might need, and new accessories or other add-ons. While setting a budget, one should also take into account maintenance and auto insurance costs. 2. Get pre-approved for financing Before finalizing the used car, one should consider getting approved for an auto loan through a traditional bank, online lender, or credit union. As part of prequalification, some lenders may let one explore potential interest rates without affecting their credit score. Lenders may also let one apply for preapproval and receive a formal offer, giving one around 30 days to shop.
8 tips for selling a used car online
auto

8 tips for selling a used car online

Many people opt to sell their used cars when buying a new one to save costs and create more space in their garage. However, not many know that selling at a brick-and-mortar store or dealership is not the only choice; used cars can also be sold directly online. This allows sellers to reach a much wider audience, including dealerships, used car companies, and private buyers, to get the best deal. Tips for selling a used car online The car-selling process is a long and exhausting one. Attention to detail can feel quite overwhelming for some. Here are a few tips to make this easier: 1. Determine the car’s value Before trying to sell a used car, it is important to determine its fair market value (after depreciation, upgrades, and repairs) so one can receive the best price for it. To do this, use an online guide such as KBB or contact an appraisal company. This value is often based on basic information (like the year, make, model, mileage, and zip code), accident history, and current condition of the car. Suppose the car is still under the manufacturer’s warranty or a transferable extended warranty or has recently undergone scheduled maintenance work.
6 things to do before buying a used car
auto

6 things to do before buying a used car

Buying a used car is often considered a financially sound decision for those on a budget. A used car often costs far less than its brand-new variant. However, there are several risks involved with buying a preowned car. One might end up with a bad deal. So, whether a used car is bought from a dealer or a private seller, it is always important to do enough research to know about the various things to do before signing the deal. 1. Make a list of what is required from a used car Before starting the process of looking for a car, it is important to take some time to think about what the requirements are for the car. For example, consider the number of passengers the car will normally have or the size of the car. Some people often want very specific features in their car, which can either make or break a deal. Make a list of all these features. Once this is done, it’s time to start researching the cars that fit these requirements. Check the prices that are being offered by various dealerships and private sellers. Also, make sure to compare the various available deals and offers.  This  will give a fairly good idea of what is available on the market and what one can expect from similar cars.
Top 8 mistakes first-time RV buyers should avoid
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Top 8 mistakes first-time RV buyers should avoid

Recreational vehicles, or RVs, have gained momentum as many travelers have realized the importance of luxurious, private journeys to travel destinations. RVs, also called travel trailers, have several accommodation facilities, such as cooking spaces and living rooms, allowing travelers to spend quality time with their loved ones while traveling in a vehicle that feels like a second home. However, buying an RV is a major decision, so one should research well and avoid certain mistakes. 1. Overlooking RV size As a first-time RV buyer, one may  find it somewhat confusing  to determine the right RV size. There are multiple factors to consider when deciding what size of RV one should go for, including the approximate number of travelers, the volume of luggage to be carried, and the average frequency at which one may travel. Buying an RV larger than one requires spending more than necessary, which can cause a financial problem later. Also, such RVs might unnecessarily occupy space in one’s garage. Conversely, tiny RVs may not be comfortable for travelers if the number of passengers is large. That’s why one should consider all such aspects when determining the RV size. 2. Not setting a budget limit An RV is an expensive, albeit long-term, investment, so considering the budget is essential to buying one.

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3 ways to deal with an overactive bladder
health

3 ways to deal with an overactive bladder

People with an overactive bladder (or OAB) experience a sudden and frequent urge to urinate. About 40% of women and 30% of men in the country deal with this condition, which can be caused by weak pelvic muscles, nerve damage, and excessive caffeine consumption. Those affected may have to urinate more often than usual and can even experience leakage. Here are a few treatment options, foods to eat and avoid, and ways to manage OAB: Treatment options Persistent symptoms should be discussed with a doctor so that they can determine the right course of treatment for OAB. Here are popular options that can be considered based on the doctor’s recommendation: Gemtesa:  It is an FDA-approved prescription treatment for adults affected by OAB. It helps relieve urinary symptoms like urgency, frequency, and even incontinence. Gemtesa is an oral treatment, usually taken with water. Common side effects include diarrhea, headache, or nausea. Myrbetriq:  It can help treat bladder issues like neurogenic detrusor overactivity and overactive bladder. This treatment option relaxes the detrusor, a bladder muscle, making it easier for the bladder to accommodate more urine and reduce OAB symptoms. Doctors recommend oral consumption of  Myrbetriq once a day. Adults can have it with or without food, while children must take it with food.
Top tips for managing rheumatoid arthritis
health

Top tips for managing rheumatoid arthritis

Rheumatoid arthritis is a chronic condition that affects one’s joints. In some cases, it can also damage several other body systems like blood vessels, the heart, lungs, eyes, and skin. It is an autoimmune disorder that occurs when your immune system starts mistakenly attacking your body’s tissues. The condition affects the joint’s lining, resulting in painful swelling, which can later cause joint deformity and bone erosion. Here are some treatment measures for rheumatoid arthritis: Treatment options for rheumatoid arthritis Actemra® It is a prescription, FDA-approved biological therapy for relief from rheumatoid arthritis. Actemra ® helps lower the inflammation in the body by directly blocking the action of a protein in your body called interleukin-6 (IL-6). Your doctor may administer it as a subcutaneous or intravenous injection. The former is administered at home or at a medical facility, but the latter is given solely at a medical facility. Plaquenil It is an FDA-approved prescription treatment that helps treat acute and chronic rheumatoid arthritis. It helps manage symptoms such as stiffness, inflammation, joint pain, and swelling. It is to be taken exactly as per the recommendation of one’s primary healthcare professional. Rinvoq® Rinvoq ® helps treat moderate to severe cases of rheumatoid arthritis in adults when tumor necrosis factor blockers were used but could not be tolerated or did not work well.
4 practical ways to deal with psoriatic arthritis
health

4 practical ways to deal with psoriatic arthritis

Arthritis commonly affects people with psoriasis, a disease that results in red patches on the skin with silvery scales. Typically, people experience psoriasis years before they get diagnosed with this arthritis. It affects thirty percent of people with psoriasis. However, in some people, joint problems start before psoriasis or during the same time. Swelling, stiffness, and joint pain are the key signs of psoriatic arthritis. Here are the prevalent treatment options for psoriatic arthritis: Treatment options These prescriptions are known to work well against the symptoms of psoriatic arthritis: Otezla Otezla is an oral treatment plan that can be taken with or without food, or as the healthcare professional recommends. You should not chew, split, or crush the tablet before consumption. The recommended dosage depends on your response to treatment and condition. To keep side effects at bay, the doctor may start with a low Otezla dosage and gradually increase it. Rinvoq Rinvoq  should be consumed by mouth with or without food, typically once daily or as the doctor recommends. Do not split, chew, or crush the tablet. It can release the entire dosage in one go and heighten the susceptibility to side effects. To get maximum benefit, you must use Rinvoq regularly. The dosage depends on age and response to the treatment.
How to manage osteoporosis and improve bone health
health

How to manage osteoporosis and improve bone health

Osteoporosis is a condition that makes the bone brittle and weak. When severe, even slight pressure caused by coughing, bending over, or falling can cause a fracture. Such fractures are predominant in the spine, wrist, or hip. Osteoporosis occurs if the new bone fails to keep up with the loss of the old bone. It affects men and women, but post-menopausal women are more susceptible. Let’s discuss the correct osteoporosis treatment and management plan: Treatment plan Prolia It is a prescription treatment plan for relieving osteoporosis in women post-menopause who cannot use other options or have not responded well to prior treatment and are susceptible to fractures. Doctors will prescribe it for at least six months. Prolia helps treat both men and women. However, professionals do not recommend it for pregnant women, women trying to get pregnant anytime soon, or people with low blood calcium. Further, those allergic to denosumab or any other Prolia ingredient must avoid it.   Evenity Evenity helps with osteoporosis in two ways: it slows down bone loss and helps build new bone simultaneously. It is an FDA-approved treatment for osteoporosis that comes as a prefilled, single-use syringe with solution. But Evenity may have severe side effects.
3 tips for diabetes management
health

3 tips for diabetes management

High blood sugar or hyperglycemia is associated with prediabetes and diabetes. The body generates insulin to manage blood sugar levels. But when the liver produces excessive glucose, and the body makes little insulin or fails to use insulin, it leads to high blood sugar levels. The condition can leave one tired and thirsty, cause blurry vision, and result in the frequent urge to pee. Read on to know some treatment plans for diabetes management: Treatment options for diabetes management Invokana® It is an excellent treatment plan that works in tandem with the proper meal plans and exercise to lower high blood sugar levels in those with type 2 diabetes. Invokana ® also reduces the risk of death from stroke or heart attack. Plus, it helps decrease the risk of end-stage kidney disease and worsening of kidney function. GlucoTrust GlucoTrust promises to help maintain healthy blood sugar levels, reduce one’s craving for sugar and unhealthy foods, and support deep sleep. It also claims to have a formula of all-natural ingredients. However, it is strongly advisable to consult your doctor before opting for supplements like GlucoTrust since it may not bring the desired results in all cases. Kerendia® It is an FDA-approved prescription treatment that aids in lowering the risk of complications in people with Type 2 diabetes.

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4 tips for dealing with asthma
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4 tips for dealing with asthma

Asthma is a respiratory condition wherein the airways in the lungs swell up, become narrow, and produce extra mucus, making it difficult to breathe. People affected can experience breathlessness, coughing, and wheezing. The disease could be a minor issue for some, while others may have to deal with serious long-term symptoms. Although there is no permanent cure for asthma, here are treatment options, foods to have and avoid, and alternative therapies to manage the symptoms: Treatment options Doctors can recommend the right course of treatment based on the severity of asthma symptoms. Here are a few popular options: Tezepelumab:  It is a popular treatment option, approved by the FDA as a supplementary maintenance remedy for pediatric patients over 12 and adults with asthma. Tezepelumab is an injectable option and the first and only biologic to significantly and consistently reduce severe asthma symptoms in clinical trials. Fasenra:  This is a monoclonal antibody that works on the immune system activity in the body. Fasenra helps control the elevated eosinophil count responsible for severe asthma symptoms. This injection is suitable for children over 12 and adults and can be used with other treatment plans to keep flare-ups in check. Nucala:  This is a monoclonal antibody that also reduces the eosinophils in the body.
4 useful tips for managing migraines
health

4 useful tips for managing migraines

Migraine is a prevalent health condition in which a person experiences severe headaches, usually on one side of the head. There may also be other symptoms like sensitivity to light, tiredness, and nausea, which can last a few hours to two days. The ailment is triggered due to stress, certain foods, and other factors. While there is no cure for migraines, the following tips can help manage the symptoms effectively: Use the correct treatment options There are several treatments for migraines, but it is essential to choose the correct one after consulting a doctor. The popular options include: Nurtec ODT Nurtec ODT is an oral treatment that can help alleviate symptoms like headaches, pain, nausea, and sensitivity to light in adults. One can use Nurtec ODT on alternate days or as the doctor recommends. Its side effects include allergic reactions, trouble breathing, and rash. UBRELVY It is a fast-acting treatment option that blocks a specific protein in the body known to induce migraine attacks. One can consult a doctor to determine the dosage according to their condition. The most common side effects of UBRELVY are nausea and sleepiness. Excedrin Excedrin is suitable for temporary relief from migraine headaches. It can also treat aches caused by other factors, such as arthritis and toothaches.
Foods to be avoided by diabetes patients
health

Foods to be avoided by diabetes patients

Food gets broken down into glucose by the body to release energy for its functioning. Most meal plans combine fats, proteins, sugars, and other essential carbohydrates vital for healthy growth and organ function. However, people with diabetes should be careful about seemingly healthy foods as it can trigger a spike in their blood glucose levels. Here are different foods that are bad for diabetes and should not be eaten regularly: Various foods that are bad for diabetes patients Fruit juices and other drinks Sugar consumption via beverages can spike insulin levels drastically. Did you know that lots of seemingly healthy store-bought fruit smoothies, sports drinks, bottled juices, and sodas can spike blood sugar levels too? Also, natural fruit juices are not necessarily a healthy option as they are high in fructose. Aside from this, cola, iced tea, lemonade, and other flavored beverages are excessively high in carbs, sugar, and fructose. Their regular consumption can trigger insulin resistance, forcing healthy cells to reject insulin and extract glucose for energy.  Another crucial thing to remember is to avoid any type of spirit if you have diabetes. These contain empty calories and can worsen the condition significantly. Cereals, yogurt, and dried fruits Daily breakfast cereals are fortified with essential vitamins and nutrients that make up for a wholesome meal.
6 human foods that cats can enjoy
Pets

6 human foods that cats can enjoy

Certain foods that are healthy for us may be beneficial for your cat. As a responsible cat parent, it is essential to be aware of the foods and their sources before slipping a morsel from your plate into your pet’s bowl. Ingestion of toxic foods can adversely affect the cat’s digestive system. Hence, it is advised to consult a vet for recommendations. Here is a list of human foods that are perfectly safe for cats: Meat Cats are carnivores by nature. Most of the commercial cat food in the market contains different meats, an excellent protein source. So, feeding them bits of cooked meats like beef, turkey, or chicken from your lunch plate is entirely alright. Make sure you limit the quantity of the meats. Overeating may cause digestive issues in cats. Salmon Cats love fish, and most vets recommend feeding them fish-based foods. They are a good source of omega-3 and other nutrients. Oily fish like tuna, salmon, or mackerel prove beneficial for their eyesight and joints. However, do not feed your feline straight from the can as they might lick it too aggressively, leading to cuts and bruises on their tongues. It’s best to feed them cooked fish without bones.
Top 9 foods for healthy lungs
Diets & Meal Plans

Top 9 foods for healthy lungs

Life isn’t fun when one can’t breathe properly. Years of unhealthy lifestyle habits and other factors can seriously affect the functions of the lungs, resulting in asthma, chronic obstructive pulmonary disease (COPD), pulmonary fibrosis, and other respiratory diseases that decrease quality of life. Fortunately, one can manage these diseases and even prevent them altogether by incorporating certain foods into their meal plans. Here are some foods that can boost lung health: Beetroots When it comes to the health of the vital organ, beetroot and even its leaves are among the best foods anyone can have. That’s mainly because both beetroot and beet greens are rich in nitrates, which help relax blood vessels, reduce blood pressure, and optimize oxygen uptake. Beet greens are full of nutrients essential to lung functions, such as vitamin C, potassium, magnesium, and carotenoid antioxidants. To benefit from beets, add them to salads or make beet juice. Turmeric This yellow spice has been used for centuries to treat various ailments. Curcumin, the main component in turmeric, is behind all the health benefits. Its antioxidant, anti-inflammatory, and antimicrobial characteristics can make turmeric extremely useful for improving lung function and aiding in conditions such as asthma, COPD, and pulmonary fibrosis.
3 foods to avoid for better lung health
health

3 foods to avoid for better lung health

Strengthening the lungs can help one avoid respiratory issues and diseases. Even when diagnosed with a lung-related illness, making significant changes to the lifestyle and food regimen can help people manage the symptoms and restore lung function. However, it is equally important to avoid the food items that damage these organs and cause issues like inflammation, sneezing, and wheezing. Here are a few foods to avoid to improve lung health: Salty food Foods with excessive salt should be avoided as their long-term consumption can have severe consequences on the overall health. Excess sodium in such food items can enlarge the muscles of the heart, cause headaches, increase blood pressure, and lead to a wide range of kidney-related issues like stones. Such foods can also have a negative effect on the health of the lungs and have been linked to an increased risk of bronchitis. Additionally, too much salt in meals can also worsen the symptoms of respiratory issues like asthma. This is because sodium can cause fluid retention, leading to shortness of breath in those with lung diseases. To reduce its intake, one should start by limiting salt in their meals and instead add more herbs and spices as seasoning.