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Top 4 questions to ask when consulting an ophthalmologist
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Top 4 questions to ask when consulting an ophthalmologist

Eye checkups are incredibly important as they help diagnose common eye-related disorders such as glaucoma, macular degeneration, and cataract in their early stages. Frequent visits to an ophthalmologist can keep eye-related diseases and infections at bay. However, it is normal to have questions before and after an eye exam. Sorting out one’s concerns helps in the preparation and better management of vision health. Here are a few important questions one must ask an ophthalmologist. Important questions to ask the ophthalmologist What tests will I be undergoing today? Typically, an eye test or an eye exam is a test of the patient’s vision. It usually includes the reading out of numbers and alphabets off a chart. However, this chart is often placed at a distance. So, when one struggles to read, the ophthalmologist detects refractive errors and suggests contact lenses or eyeglasses, according to the individual’s preference. But in rare cases, one can also be suggested to undergo further diagnostic tests, especially when risk factors such as high blood pressure and heart disease are involved. What are some easy ways I can care for my eyes? Generally, as a person age, they become more susceptible to eye problems. Hence, one must ask the ophthalmologist how to care for one’s eyes at home.
4 key questions to ask a radiologist
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4 key questions to ask a radiologist

When undergoing any kind of treatment, it is important to have an understanding of the procedures, risks involved, and the recovery process. For instance, radiology involves diagnosing and treating injuries or illnesses detected with the help of imaging procedures, like X-rays, MRIs, and CT scans. So, when consulting a radiologist, you should not hesitate to address necessary queries concerning your health. So, here are some questions you need to ask a radiologist: What is the purpose of the test? It is important to understand why a specific diagnostic test is recommended by the radiologist. You should ask the doctor about how the test will detect or confirm a health issue and the outcome you can expect. Are there any risks to consider? Most imaging tests are considered to be safe, but it is always important to ask about any side effects or risks. For example, when undergoing an MRI, you should have no metal objects on your body or clothes. Similarly, other tests might require distinct precautions to avoid safety hazards.  How is the test conducted? It is always a good idea to ask your radiologist about the test procedure. They can help make you understand the steps involved in the process, how long the procedure is, and if there is any preparation required.
6 essential questions to ask a therapist
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6 essential questions to ask a therapist

Embarking on a therapeutic journey is a significant step toward self-discovery, healing, and personal growth. However, finding the right therapist and establishing a productive therapeutic relationship requires open communication and clarity. To make the most out of your therapy sessions, it’s essential to ask your therapist the right questions. These questions will help you gain a deeper understanding of the therapeutic process, establish mutual trust, and align your goals. Let’s discuss a few of them. What experience do you have in treating my specific concerns? Checking the therapist’s experience and expertise is essential. Knowing they have helped people with issues similar to yours will go a long way in calming your doubts and intrusive thoughts. Inquiring about their experience in treating similar cases can provide reassurance and confidence in their ability to support you effectively. How do you approach confidentiality and privacy? Confidentiality is a cornerstone of therapy, promoting a safe and trusting environment. Discussing the therapist’s approach to confidentiality, including any limits or exceptions, you can ensure that your personal information remains private. Understanding these boundaries will foster a sense of security and enable you to share openly without fear of judgment or disclosure. What are the goals and expectations of therapy?
5 causes of eye problems and damage
health

5 causes of eye problems and damage

“A thing of beauty is a joy forever,” it is rightly said. And the perception of beauty is made possible by the virtue of the eyes. From watching a movie and enjoying the beauty around us to reading an article online, every minute aspect of our lives is governed by our visual faculties. Hence, eye care should be a crucial part of caring for one’s well-being. Here are some common negative habits that affect one’s eyes: Eating unhealthy foods The eyes require vitamins, minerals, zinc, lutein, omega-3, and other essential nutrients. The body absorbs these nutrients through healthy foods. For example, carrots, tomatoes, sweet potatoes, cantaloupe, and broccoli are rich in beta-carotene, which converts to vitamin A and is essential for good eye health. Similarly, omega-3 fatty acids, like those found in fatty fish, are required for good vision. Staring at electronic devices Exposure to white light for long periods is one of the biggest concerns prevalent today, with over 66% nationwide in the country admitting to sleeping with their phones by their side at night. This alarming pattern has several negative consequences, including dry eyes and severe eye strain. Thus, the National Sleep Foundation advises that one should put away electronic devices like mobile phones at least half an hour before going to bed.
5 alarming signs of high blood sugar
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5 alarming signs of high blood sugar

High blood sugar, also known as hyperglycemia, is a condition that affects millions of people worldwide, particularly those with diabetes. Identifying the signs of high blood sugar to prevent complications and promote overall health is essential. While elevated blood sugar levels can vary in severity, recognizing the early warning signs is crucial for timely intervention. By increasing awareness, one can empower individuals to take proactive steps toward managing their blood sugar levels. Excessive thirst Also known as polydipsia, excessive thirst is a common sign of high blood sugar caused by dehydration resulting from frequent urination. Patients with high blood sugar levels might constantly battle the urge to drink fluids to quench their insatiable thirst. Increased hunger People with high blood sugar are also prone to increased hunger as a sign of their condition. Polyphagia causes the body’s cells to miss out on receiving sufficient energy from glucose. In order to cope with it, the body breaks down stored fat and muscle tissue, which might cause unintentional loss of body mass. Frequent urination Polyuria is also one of the common signs of high blood sugar. The kidney’s primary function is to eliminate excessive sugar in the body. The urge to empty the bladder is more frequent at night, known as nocturia.
Watch out for these 5 warning signs of Parkinson’s disease
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Watch out for these 5 warning signs of Parkinson’s disease

A debilitating neurological disorder, Parkinson’s disease, affects the nervous system. It is generally observed among those above the age of 60 years. In some cases, people below 50 also develop an early onset of the disease. It is common among those with a family history of the condition. Over time, the effect on the nervous system becomes apparent through several symptoms. There are warning signs of Parkinson’s that should not be ignored, which can help seek diagnosis and treatment. Temors in the hands This is one of the most noticeable warning signs of Parkinson’s. It is also known as rhythmic shaking. The tremors or shaking start to occur in the limbs of the hands or fingers. Sometimes, there is a pill-rolling tremor that causes a person to rub their thumb and forefinger against each other. The handwriting grows smaller It is normal for handwriting to change with age. However, Parkinson’s causes a person’s handwriting to become smaller, making it illegible over time. The words appear crowded, or the lines are not straight. This condition caused by Parkinson’s is also known as micrographia. The movements become slow Parkinson’s progresses over time to cause a person’s movements to become slower. They start to walk slower than their regular speed.
5 bad habits that lead to poor skin
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5 bad habits that lead to poor skin

There is so much advice floating around us when it comes to skincare. From online trends to old lores, it is important to filter this information and create a skincare routine that will get you closer to achieving your skin goals. However, while searching for the right products and foods, several bad habits can wreak havoc on your skin and slow down your progress. Here are five skincare habits that can worsen skin health: Not wearing sunscreen around the year Many of us assume that the sun isn’t bright or visible enough to affect our skin during the winter months. But, the sun’s UV rays still percolate to the ground and can affect your skin. To prevent photodamage from this exposure, wearing sunscreen all year round is important. Not removing your makeup before bed Washing your face before going to bed is one of the most important steps in your skincare routine. Throughout the day, your skin is exposed to several things, such as makeup, dust, dirt, and grime. Washing your face at the end of the day will help you remove these from the surface of your skin so they do not clog your pores and lead to more breakouts.
5 foods to improve blood count and blood circulation
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5 foods to improve blood count and blood circulation

Poor blood circulation can occur due to a number of health conditions. These include peripheral artery disease or PAD, diabetes, and Raynaud’s disease. While these require treatments prescribed by healthcare professionals, eating certain foods to improve blood count and blood circulation can also help. These foods also benefit athletes and those who indulge in physical activities to improve recovery and stamina. Here are some of these few foods to add to everyday meals. Broccoli One of the healthiest cruciferous vegetables is broccoli, which is packed with several nutrients. It is a rich source of vitamin B9 or folate. This nutrient is important to increase the count of red blood cells in the body. Adding broccoli to salads, stir-fried meals, and other food options can help the body produce red blood cells quicker, thus improving blood count and blood circulation. Bananas Adding bananas to cereal or having banana smoothies is not just filling but also extremely good for blood. This is because bananas are one of the richest sources of potassium. Potassium can lower blood pressure and improve blood flow. This is especially helpful if there is an excess of sodium in the body. High levels of sodium can lead to high blood pressure.
5 health issues caused by excess water intake
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5 health issues caused by excess water intake

Approximately 60% to 75% of the body is water. It is essential to every bodily function, from blood circulation to digestion. This is why drinking the optimal amount of water is vital for overall health. Most experts recommend drinking about eight glasses of water daily; drinking too little increases the risk of dehydration. On the flip side, drinking too much water is also unhealthy. Here are a few health issues caused by drinking excessive water. Hyponatremia This condition is caused by a drop in the sodium levels in the body. Sodium is one of the essential electrolytes in the body that balances the fluid levels inside and outside the body’s cells—overhydration or drinking too much water cause sodium levels to go down. Headache Drinking too much water may disrupt brain function. The excess water enters the cells, including the brain cells, resulting in their swelling. This exerts pressure on the brain, leading to headaches and dizziness. Some people also experience confusion because of this. Nausea Sometimes the health issues because of drinking excessive water are similar to that of dehydration. While a lack of water puts a strain on the kidneys, so does excess water content in the body. This strain occurs because the kidneys cannot expel the additional water.
5 hotspots that can spread respiratory illnesses
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5 hotspots that can spread respiratory illnesses

As the flu season approaches, it is important to keep yourself healthy and free of infections. There is an increased risk of diseases like respiratory syncytial virus (RSVI), human metapneumovirus (HPMV), adenovirus, parainfluenza, and others, especially when you are regularly out and about. While stepping out is unavoidable, there are several hotspots to be wary of. Here are some traditional hotspots for respiratory illnesses that everyone is likely to encounter. Doorknobs and drawer handles Handles and knobs on doors and drawers happen to be the most frequently touched surfaces around the home. Due to this reason, they have become hotspots for the transmission of diseases. To avoid these, it is vital to regularly wash your hands and wipe these spots with a disinfectant a few times a day. Keyboards and electronic keypads Keyboards and electronic keypads are also touched often but are seldom cleaned. This makes them another hotspot for the transfer of disease and infections. Be sure to wipe down the keyboard/keypad with a disinfectant after each use. Shared cutlery and tableware It is common for people to share their utensils and drinkware at home and in the office. However, this could lead to the transmission of infections from one person to the other.

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A look at some of the best free investment advisors
finance

A look at some of the best free investment advisors

As a beginner investor, investing too much money at the start can be quite difficult and overwhelming. However, if you choose the right brokerage account, you can earn a lot back from it in terms of investment knowledge. So if you are looking for the best cost-free investment advisors to provide you with long-term portfolio management services, then you have come to the right place. Here is our collated list: Interactive Brokers Investment Brokers has an entity known as IBKR Lite, which offers commission-free trading on various commodities. It mainly covers exchange-listed stocks as well as exchange-traded funds (ETFs). It also offers low-priced access to various global markets without any account minimum or inactivity fee. Additionally, it offers the best competitive interest rates, while its client portal, which offers trading and account management services, is highly preferred by users. One of the most notable points is that IBKR Lite has been around for over 40 years, having earned the trust of a vast client base. You Invest by JP Morgan Chase You Invest Trade, offered by JP Morgan Chase, is one of the best low-cost investment advisors. It is complete with a range of commission-free ETFs and stocks that can be traded online.
Reverse mortgage eligibility and its criteria
finance

Reverse mortgage eligibility and its criteria

As you approach retirement, most of your money has been invested in your home. A reverse mortgage is an excellent way to tap into your home’s equity. If you have paid off a home loan or have only a small amount to be paid, it is a good option to meet various financial goals. Here are the criteria for reverse mortgage eligibility: Personal criteria Age You must be 62 years or older, to apply for a reverse mortgage. Generally, as you grow older the Home Equity Conversion Mortgage (HECM) amount increases. Property The home should be your primary residence, and you need to live there for the entire duration of the reverse mortgage. Rental properties and vacation homes do not qualify for such mortgages. Home equity You should be the owner of your home outright or possess a minimum of 50% home equity. There is a possibility that you may qualify for a reverse mortgage despite having some outstanding balance on your existing home loan. However, the criterion is that you must first pay off the remaining mortgage from the sanctioned amount and meet other liens. The balance funds may be used for any other purpose. Using a reverse mortgage to refinance existing debt is beneficial in reducing your monthly cash outflows.
Top 10 debt settlement companies to consider
finance

Top 10 debt settlement companies to consider

A lot of people get stuck in debt due to many reasons. The interest rates keep adding up, taking a toll on an individual’s financial stability. In such a case, debt settlement can be quite helpful if you wish to settle a large amount. Here is a list of top 10 debt settlement companies that you can consider to help ease the burden off your shoulders. National Debt Relief National Debt Relief has the most detailed insights on their website that can help you with debt settlement. It talks about the debt qualification, the amount of money you need to pay for enrolments as well as the debt relief services that they offer. The average savings after the fees is around 30%. CreditAssociates This particular company is known for helping clients with the elimination of debt. They undertake this entire process between twenty-four to thirty-six months. They use enhanced software, and the outstanding expertise of their team to help their clients with great debt negotiation services. Pacific Debt Inc This is one of the top 10 debt settlement companies that you can consider. You need to have a minimum of $10,000 in debt to avail their services. They offer an affordable monthly program/plan with payment as well as upfront fees.
6 top business credit card companies
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6 top business credit card companies

The right business credit card can help you save thousands of dollars. Business accounts can earn more rewards like discounts, hotel stays, and cashback offers. You may also use these cards to meet short-term financial requirements. In case you haven’t applied for one yet, you must check out 6 of the top business credit cards that you can apply for to make your life easier. American Express Blue Business® Plus Card This is an ideal business credit card offered by one of the leading credit card companies and does not levy any annual fees. You receive twice the Membership Reward ® points upto $50,000 with no category restrictions, which reduces to 1% thereafter. The cashback earned automatically gets credited in your statement. The regular APR on this card is 13.24% to 19.24% variable. CitiBusiness® AAdvantage® Platinum Select ® MasterCard® This is an excellent option if you undertake frequent business travel with American Airlines. You earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases. Additionally, the card offers 2 AAdvantage® miles for every dollar spent on telecommunications, fuel, car rental, and cable and satellite services. All other purchases earn you one mile for every dollar spent. The annual fee is $99 (waived in the first year) and regular APR varies between 15.99% and 24.99%.
Top 6 NNN properties for sale in the country
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Top 6 NNN properties for sale in the country

NNN properties are known as triple net lease properties and can be categorized as single-tenant properties that are available for lease. In these properties, the maintenance fees, taxes, and insurance have to be paid by the lessee instead of the landlord. These costs have to be borne by the lessee in addition to the rent. Here are some of the top NNN properties for sale: 7-Eleven, Texas There are plenty of 7-Eleven properties that come under the category of NNN properties. This one is our top pick at the moment, as it serves two commodities that are always in demand: gas and foods. The property is on the 3601 West Freeway in Fort Worth, Texas, making it quite a hot spot for sale. The current annual rent for this property is $267,500, while the cap rate is 5.75%. Burger King, Florida Burger King is one of the country’s favorite fast-food chains. The current annual rent for this property is about $140,000, and the cap rate is 5.15%. This property was built quite recently as compared to the other options on our list, and it has the potential of providing good returns quickly, as it is in a strategic location on SW Port St.

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6 high dividend ETF funds you can invest in
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6 high dividend ETF funds you can invest in

Before you search for the best dividend exchange-traded funds (ETFs), it is recommended you understand your needs and overall investment objectives. ETFs are hybrids of mutual funds and stocks. When you invest in the ETF, you purchase shares in the fund, which buys the underlying asset. Here are six of the best high-dividend ETF funds: Vanguard High Dividend Yield (VYM) This ETF adopts the simple method of choosing stocks that have higher dividend yield when compared to other companies. This has resulted in building a diversified portfolio comprising 400 stocks with higher market capitalization. The majority of these stocks belong to the healthcare, consumer, and financial sectors. During the last decade, VYM delivered average annual returns of 12.9%. The expense ratio is the lowest in the industry at 0.06% per annum. Vanguard Dividend Appreciation (VIG) The ETF focuses on investing in companies that have a long history of increasing their dividend payouts over the years. The portfolio includes approximately 180 stocks with low yields. The ETF has earned average returns of 12.6% per year over the last 10 years. The expense ratio is 0.06%, which makes it an excellent option if you do not mind lower dividend returns currently but want to earn more in the future.
Top 5 providers for automated investments
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Top 5 providers for automated investments

Roboadvisors are gaining popularity as these investment programs offer affordable financial advice to a large number of investors. These automated advisors use an algorithm to recommend investment options that best suit your requirements. The best automated investing algorithms offer simple account setup, portfolio management, low fees, strong goal planning, and security. Here are the top five providers of automated investments. Betterment This roboadvisor is the best for delivering top-quality services. You may sync various financial accounts without investing to gain an overall picture of your investment portfolio. You may choose the pre-built Betterment portfolios or customize one to meet your needs. The algorithm gives you the flexibility to add new goals as required while monitoring your progress without any difficulties. The advisor charges between 0.25% and 0.4% management fees with no minimum account requirement. Wealthfront It is one of the largest Robo-advisors and provides goal-based investing enabling you to understand the future effects of your financial decisions. You may choose from a wide range of portfolios that comprise individual stocks to meet your financial goals. Once your portfolio accumulates USD 25,000, Wealthfront allows you to borrow against its value. The service provider also offers margin lending. The management fee for most accounts is 0.25% and you need an account minimum of USD 500.
Top 5 retirement investment funds for your portfolio
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Top 5 retirement investment funds for your portfolio

Most people work for decades so that they can make investments and collect sufficient funds for their retirement years. Having enough savings for the golden years is ideally the most significant goal for you as an investor, but the volatile market may make it difficult to understand which retirement funds are suitable for you. To help you out, here are the best retirement investments that you can include in your portfolio: Vanguard Target Retirement 2035 Fund This retirement fund is created for investors who want to retire early so that they can enjoy the benefits of their investment within 15 years. However, even if you don’t want to retire that early, this fund has various offerings that make it one of the best retirement investments available in the market. As of now, this retirement fund offers a current yield of over 2%, and the expense ratio is 0.14%. Plus, Vanguard is quite a trusted name for keeping your money safe. Northern Global Tactical Asset Allocation Fund This fund offers one of the best diversifications and a lot more protection in case the fund underperforms. So, it invests in mutual funds and exchange-traded funds and aims to provide long-term capital appreciation at an expense ratio of 0.58%.
Top 5 capital providers for your business
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Top 5 capital providers for your business

People who wish to set up their business ventures need additional funding to get going. Many banks and financial institutions help promising businesses with the same and in this article, we would be covering guaranteed business loan providers. You can check the following list out when looking for business loan providers. Wells Fargo Wells Fargo is one of the best financial institutions when it comes to guaranteed business loan providers in the market. It offers various other financial products. It claims to be a leader when it comes to small business loans. The unsecured business loan has varied loan amounts starting from $10,000 and going up to $100,000. The term for this product is between one to five years. Additionally, you can go for other loans offered by Wells Fargo, such as the Equipment Express Loan or the Advancing Term Loan. Capital One Capital One does not only offer good deals on business credit cards, its business loan is worth considering too. If you are looking at a funding source that can help expand your business or get going with the operations, then we highly recommend you to choose the business loan offered by Capital One. Starting at a minimal amount of $10,000 and a maximum term length of 5 years, the repayment term is simple and can be done on a monthly basis.
All you need to know about home insurance policy
finance

All you need to know about home insurance policy

Buying a home comes with a lot of responsibilities. There are a lot of risks that come with owning a home like the risk of theft and property damage. Investing in the right kind of home insurance policy is important so as to be financially prepared for these risks. There are several different companies in the market that offer home insurance policies with different kinds of terms and coverages. Remember the following points before choosing a home insurance policy. Explore your options As mentioned earlier, there is a wide variety of home insurance policies available to homeowners at this time. When selecting one, it is important to consider factors like what potential risks are being covered in the policy. It is also important to consider the company’s record in your area, whether they are reliable as insurance providers, and their response time. Ask about discounts Home insurance policy in 2021 offers additional services and discounts. They may offer discounts on additional safety installment services such as installing an alarm system, smoke alarm, or better locks. There may also be certain offers for old and retired personnel as well as some discounts for policies when taken via your employer’s or organization’s reference.
5 technologies revolutionizing financial services
finance

5 technologies revolutionizing financial services

For any industry to sustain itself in today’s world, implementing digital strategies has become indispensable. This holds particularly true for the financial services industry. The good news is that digital transformation in financial services has already begun, and we’ll likely see more and more innovative technologies underpinning banking and financial institutions in the coming years. Keep reading to learn about the latest digital transformation trends in the financial services industry. Big data and artificial intelligence The combination of big data and artificial intelligence is a revolutionary digital strategy that is shaping the future of banking and financial services. The technology helps institutions process, store, and drive valuable insights from the data they gather from their customers’ activities. Big data and artificial intelligence allow institutions to create a highly personalized experience, helping businesses attract and retain customers. Blockchain Blockchain is a fairly new technology that is becoming increasingly popular in the financial services industry. With blockchain technology, all transactions are permanently stored in the blockchain network, providing the highest level of transparency and security. Nobody can tamper with these transactions, which nearly eliminates the risk of error and fraud. Besides security, the technology is being explored for use in a wide variety of banking and investment applications.