Perhaps nothing is more comforting than having one’s home to return to at the end of a tiring day and to relax with loved ones. However, buying a home in the face of inflation and economic instability is no less than a mirage for most. On the bright side, taking home loans from reliable sources can help fulfill this dream. Here are some common mistakes home buyers should avoid while availing themselves of home loans: Not checking or improving credit score One’s credit score determines any moneylender’s ability to sanction a loan. An individual’s credit score is calculated considering various criteria, including one’s payment history, credit mix, and the total amount one owes. Therefore, it is important to check one’s credit score; if the scores are low, one should take the necessary steps to enhance this score, such as paying credit card debts on time, before applying for a home loan. Not understanding one’s capability to repay the loan Often, individuals cannot return the borrowed amount because they have overestimated their capability to repay their home loan. Such challenges typically stem from miscalculating the amount payable, including the interest rates applied to the principal amount. While applying for a home loan, one should check out one’s repayment capability vis-a-vis the aggregate amount repayable and the time it would take to repay it. Not purchasing an insurance cover Although one should hope for the best, preparing for the worst is equally imperative. An insurance cover provides one with financial reimbursement on a rainy day and helps with daily expenses and repaying loans. Thus, before taking a home loan, borrowers should purchase an insurance cover that can reimburse up to a considerable amount in case of unforeseen life events, such as an illness or an economic crisis. Not researching a lender’s background Frauds by moneylenders are not uncommon, and one can never be too careful when it comes to borrowing large sums for home loans.

An ophthalmologist, or an eye doctor, is a qualified expert who diagnoses and treats conditions to maintain optimal eye health. When one visits an ophthalmologist, they can ask specific questions, either about their particular health concern or general doubts. However, it is quite common to go entirely blank when at the doctor’s and forget half the things that need to be asked. So, here’s a brief checklist of vital questions to ask an ophthalmologist. Which tests will be performed? Whenever you visit a doctor, it is reassuring to know what procedures or tests they will perform or are considering. Most people visiting ophthalmologists are ridden with anxiety about this aspect, so asking this particular question can soothe your nerves and make future visits and eye exams less stressful. While eye doctors perform eye tests, you can also carefully view their instruments and ask why certain tests are being conducted. It is advisable to discuss any concerns about the health condition or probable side effects you may face since this will also help set your mind at ease about the future. Finally, this question is also helpful in making future preparations. So, if a particular test or eye exam will interfere with your eyesight or alertness for a few hours, you can arrange for someone to drive you home from the ophthalmologist’s clinic afterward. How can I tell if my child has a vision problem? Many parents tend to schedule regular check-ups for their children with their family doctor to be updated on any possible health issues, so annual visits to the ophthalmologist should also be the norm. An ophthalmologist can provide a detailed written summary of a child’s eye condition as an answer to this question. Moreover, the doctor will also inform the parents about specific long and short-term vision problems faced by their child, and whether any of those can affect their overall vision or health.

A credit score reflects your ability to pay off the debt on time. So, your score is impacted when you charge something to your credit card or avail yourself of a new loan with the linked bank account. Today, digital banking payments and system innovations allow you to use apps that help you build credit and improve your score. We’ve compiled a list of our top picks available for download on Android and iOS platforms. Credit building is indeed a straightforward process. And with innovative apps available for download, everyone can access these services today. So how do these apps work? Here are how they work: Some apps help monitor When you use a credit card to make payments and consolidate the bills at the end of the cycle, a report is sent to the primary credit bureaus, including Experian, Equifax, and TransUnion. Credit monitoring apps can track all these transactions and build on the information to improve our score. Some apps offer loans Banks and financial institutions also offer small loans where you periodically make payments over a fixed tenure. The bureaus track these payments, and meeting deadlines improves your creditworthiness, thus reflecting your final ability to pay back debt. This, in turn, automatically improves your credit score. Some apps report services Experian Boost offers services via their in-house app to help improve bad credit scores by reporting your purchases to the credit bureaus. The service tracks all your utility and rent bill payments to provide a consolidated report. This information directly impacts your credit score and helps rebuild your creditworthiness. Here are a few must-have apps to improve a bad credit score: Experian Boost Experian, one of the premier credit card bureaus in the country, has also developed an in-house monitoring module that helps boost your credit score.

With heightened stress and emotional strain becoming increasingly common today, the role of emotional support animals in promoting mental well-being has gained significant recognition. These remarkable companions offer many benefits, including offering comfort and support to those facing emotional and psychological challenges or dealing with a disorder. If one is planning to get an emotional support animal, here are a few benefits and things to consider before making a decision: What are emotional support animals? ESAs differ slightly from pets in that they are prescribed by mental health professionals to provide comfort and assistance to those with diagnosed mental health conditions. ESAs have legal recognition and protections under certain laws and are chosen for their ability to offer emotional support, while pets are primarily chosen as companions based on personal preferences. Some popular ESAs are alpacas, dogs, cats, birds, llamas, sheep, goats, horses, rabbits, chickens, and pigs, with dogs being the most common ESAs. To find an emotional support animal, one can start by consulting with a mental health professional or therapist. They can offer guidance regarding the process and determine if one qualifies for getting an ESA. ESAs versus service animals ESAs are not trained to perform specific tasks. They are also protected under the Fair Housing Act. Service animals, on the other hand, are trained to perform specific tasks or work directly related to a person’s disability. They have broader legal protections under the Americans with Disabilities Act. Does a pet qualify as an ESA? While many pets offer emotional support to their owners, they may automatically qualify as ESAs without the proper documentation and recommendation from a mental health professional. Any breed or animal can be considered an ESA if it meets the legal guidelines. Benefits of having ESAs Introducing purpose and responsibility: An emotional support animal can be beneficial for those struggling with mental health.

Black Friday shoppers have always been drawn to the tech category, which saw a staggering increase of almost 221% in sales compared to previous years. With Black Friday 2023 approaching, it’s time to buckle up to grab one’s favorite tech product before they go out of stock. To know what to expect in the upcoming sale, it helps to look back at the top game-changing deals and discounts that were offered last year.  Smartphones Android, as well as Apple smartphones, have been on sale year after year with some irresistible deals on offer. With cutting-edge technology and sleek design, Apple iPhones have been the most sought-after tech products during the holiday sale period. Many major phone service providers offer trade-in deals with the overall price deducted, such as up to $800 off. Some service providers offer discounts as high as $500 off the retail price when shoppers sign up for their plans. From gift cards with the purchase to free Apple Watch or iPad, there are several amazing deals that shoppers have access to. Also, older refurbished iPhones go on sale through Apple stores. Known for reliable performance and high processing speeds, Android phones are a hit among buyers of every budget. All major Android phone brands go for sale during Black Friday. Last year saw some great free trade-in deals with unlimited data from several phone service providers. In addition, major retailers offered gift cards on phone purchases. Smartwatches Since their introduction in the tech market, these have been among the highest-selling gadgets during every sale season. Everyone from major brands to retailers has been offering some good discounts ranging between 10% to 15% on the retail price of smartwatches. Laptop Last year saw deals on laptops for every type of user. Here are some of the popular categories of laptops and the bargains that were offered by big retailers such as Amazon, Walmart, Target, Best Buy, B&H Photo, and Newegg.

Driving is an essential skill that provides unparalleled freedom and convenience when it comes to commuting, traveling, and running errands. However, with this privilege comes a significant responsibility—ensuring personal safety and those of others on the road. Unfortunately, many drivers, new and experienced, can make errors that lead to accidents. By recognizing and avoiding the following common driving mistakes, one can contribute to road safety and have a more enjoyable driving experience. Distracted driving One of the most common driving mistakes to avoid is driving while being distracted. Distractions can range from texting or talking on the phone to eating, self-grooming, or even adjusting in-car entertainment systems. A moment of distraction can be detrimental and lead to accidents. To avoid this, it is crucial to keep focusing on the road and avoid multitasking while driving. Speeding Going over the speed limit is a major cause of accidents. This mistake reduces a driver’s reaction time and increases the severity of collisions. Adhering to speed limits and adjusting the speed as per road and weather conditions is essential while driving. Here, arriving a few minutes later is preferable to risking personal safety and that of others on the road. Tailgating Following a vehicle too closely, also known as tailgating, reduces the time one has to react when the vehicle ahead stops suddenly due to obstacles in the road. One should maintain a safe following distance to allow for enough time to stop the vehicle. A simple way to ensure appropriate distance and safety is the popular 3-second rule, which translates to keeping a gap of 3 car lengths between two vehicles on the road. Improper merging Merging onto highways or busy roads requires careful attention and cooperation with other drivers. Here, one should to use the turn signal, match their speed with the flow of traffic, and yield whenever necessary.

Chronic Obstructive Pulmonary Disease, also known as COPD, is a well-recognized respiratory ailment that affects millions of lives worldwide. COPD, characterized by symptoms like chronic cough, shortness of breath, and reduced lung function, is a complex condition with multiple layers. While its core features are understood by many, an array of surprising and often overlooked facets surrounds this condition. This article delves into these lesser-known aspects of COPD to comprehensively understand the disease. Underdiagnosed and misdiagnosed cases One of the most surprising facts about COPD is the prevalence of underdiagnosed and misdiagnosed cases. According to the World Health Organization (WHO), more than 90% of COPD cases are estimated to remain undiagnosed. This is partly because early symptoms, such as coughing and shortness of breath, are often attributed to the natural aging process or other respiratory conditions. Additionally, many individuals with COPD do not seek attention until the disease has progressed significantly. Impact on mental health COPD not only affects physical health but also takes a toll on mental well-being. Surprisingly, individuals with COPD are more likely to experience anxiety and depression. The disease’s chronic nature and its impact on daily activities and social interactions may lead to isolation and sadness. This psychological aspect of COPD underscores the importance of addressing physical and emotional needs in COPD management. COPD in women COPD has traditionally been associated with higher prevalence in men. However, recent trends reveal a significant rise in COPD cases among women. Research suggests that women may be more susceptible to COPD at an earlier age than men. Moreover, hormonal factors and differences in lung physiology may contribute to these trends. It’s essential to recognize that COPD does not discriminate by gender and can affect anyone. Coexistence with other conditions Another surprising fact about COPD is its association with various other conditions.

Muscular dystrophy is a group of genetic muscle disorders that cause the progressive weakening and degeneration of muscle tissue. These conditions can affect people of all ages and cause various degrees of muscle weakness and disability. Early detection and subsequent treatments can significantly improve the quality of life for those affected. Here are some early warning signs of muscular dystrophy and treatment options. Muscle weakness Muscle weakness is often one of the earliest signs of muscular dystrophy. Muscular dystrophy is characterized by the deterioration of muscle fibers, making them less capable of contracting and generating force. As muscle fibers weaken and die, muscle strength diminishes. Affected individuals may experience difficulty performing simple tasks like lifting objects, climbing stairs, or getting up from a seated position. This weakness typically begins in the muscles closest to the trunk of the body and gradually spreads to other muscle groups. Frequent falls Muscle weakness can affect the stability and coordination required to maintain balance. As the muscles weaken, the ability to react quickly to changes in posture or movement diminishes, leading to an increased risk of falls. Children with muscular dystrophy may tend to fall more often than their peers, especially when running or participating in physical activities. This is often attributed to muscle weakness and poor coordination, making maintaining balance challenging. Delayed motor milestones In infants and young children, delays in achieving milestones in basic motor skills such as crawling, sitting, and walking may signal the presence of muscular dystrophy. Children with this condition may take longer to reach these developmental milestones compared to their peers. Since muscular dystrophy affects the muscles needed for basic motor skills, there may be delays in the development of these essential movements. Difficulty standing from a sitting position Individuals with muscular dystrophy often struggle with standing up from a seated position without assistance.

Amyloidosis is a lesser-known health condition where a protein called amyloid accumulates in various body tissues and organs. Prompt diagnosis and treatment are essential when this happens because an excessive buildup of this protein can lead to severe complications, such as nerve and kidney damage, in some cases. The good news is that amyloidosis symptoms can be identified in the initial stage, although they may differ from person to person. Early warning signs of amyloidosis Amyloidosis is often called a “great imitator” because its symptoms can mimic those of other, more common conditions. This can make diagnosis particularly challenging, underscoring the importance of recognizing the subtle hints the condition may offer in its early stages. Here are some early warning signs to be aware of: Fatigue Unexplained and persistent fatigue is often one of the earliest signs of amyloidosis. Amyloid deposits can accumulate in various organs, including the heart and kidneys. As a result, these organs may not function optimally, leading to fatigue. One may not find relief from the tiredness despite getting sufficient rest. Swelling (edema) Swelling, especially around the ankles and legs, is a common early symptom. It occurs when amyloid proteins accumulate in the tissues, leading to fluid retention. Any noticeable swelling demands evaluation from an expert. Loss of appetite Many with amyloidosis experience a loss of appetite, affecting metabolism and worsening existing fatigue. The patient might lack the strength to perform routine tasks. Weakness and numbness Weakness and numbness, particularly in the extremities, are early neurological symptoms. They occur when amyloid deposits in the nervous system damage the nerves. Shortness of breath The condition can affect the heart, causing symptoms like shortness of breath, especially during physical activity. Amyloid deposits in the heart can impair the organ’s ability to pump blood effectively, reducing oxygen delivery to the body.

Parkinson’s Disease (PD) and Tardive Dyskinesia (TD) are very different neurological conditions that often share distinctive symptoms. While PD is a progressive neurodegenerative condition primarily characterized by motor impairments, TD can cause problems with motor skills, often affecting arms, legs, face, and neck. However, both conditions may manifest silent symptoms that can easily be missed. Hence, this article explains the conditions and focuses on the overlapping silent symptoms of PD and TD. But before delving into the shared silent symptoms, one must understand the basics of PD and TD. Understanding Parkinson’s Disease and Tardive Dyskinesia Parkinson’s Parkinson’s is a complex neurodegenerative disorder resulting from losing dopamine-producing cells in the brain. Its hallmark motor symptoms include tremors, bradykinesia (slowness of movement), rigidity, and postural instability. However, the non-motor symptoms often go unnoticed or are mistaken for other health issues. Tardive Dyskinesia (TD) TD is a movement disorder that can affect certain body parts and contribute to involuntary, repetitive movements, primarily affecting the face, lips, tongue, and sometimes limbs. While there is not much information on how the symptoms begin, one can consider chronic blockage of dopamine as one of the leading causes. Now that one has basic information on these disorders, let’s focus on the shared symptoms of PD and TD that one may miss. Shared silent symptoms of Parkinson’s disease and Tardrive Dyskinesia Mood changes Parkinson’s and TD can lead to mood alterations. Patients may experience feelings of irritability. These emotional shifts are often attributed to unrelated stressors, masking the underlying neurological conditions. Recognizing these mood changes as potential early signs is vital for timely intervention. Cognitive impairment Cognitive difficulties can be a shared silent symptom. Individuals with Parkinson’s or TD may face memory problems, reduced attention spans, and impaired executive functions. These cognitive impairments are frequently dismissed as regular aging-related changes or stress-induced lapses.

Investing in precious metals has held appeal for individuals seeking to diversify portfolios. Precious metals such as gold, silver, platinum, and palladium have historically maintained intrinsic value, making them a sought-after asset class. However, before delving into the world of precious metal investments, it is crucial to understand the nuances and factors that can significantly impact investment decisions. This article delves into key aspects to grasp before embarking on precious metal investments. Types of precious metals The term “precious metals” encompasses a range of metals, with gold and silver being the most popular. Platinum and palladium also come under this category, albeit less commonly traded. Each metal possesses unique properties and applications, influencing market dynamics and value. Thus, one should research the different types of precious metals and possess sufficient knowledge before investing in them. Intrinsic value Precious metals are valued for their utility, beauty, and rarity. Unlike other assets, they possess intrinsic value not reliant on the performance of a specific company or government. This inherent worth provides a degree of stability to investments. Understanding the intrinsic value of different precious metals is essential to deciding what precious metals to invest in. Price volatility While precious metals are often considered safe-haven investments, their prices can still exhibit high volatility. Factors such as geopolitical events, economic conditions, and changes in demand can cause significant price fluctuations. Market liquidity Liquidity is a vital consideration. Gold and silver are relatively easy to buy and sell, with active markets worldwide. However, less frequently traded metals like platinum and palladium may have reduced liquidity, making it challenging to enter or exit positions quickly. Storage and security Unlike stocks or bonds, precious metals are physically possessed or stored securely. Thus, it is important to consider the costs and logistics associated with safe storage. Many investors opt for secure vaults or storage facilities.

Investing in gold is always a popular choice for those seeking to diversify their portfolios and protect their wealth. Gold’s intrinsic value and lasting significance have made it a coveted asset throughout human history. However, investing in gold can require a little research, especially for those who are new to the world of precious metals. So, here are some common mistakes people make when investing in gold and how to avoid them: 1. Lack of research One of the most fundamental mistakes investors make is diving into the gold market without sufficient research. Understanding the various forms of gold (bullion, coins, or jewelry), the factors affecting gold prices (supply and demand, economic conditions, and geopolitical events), and the different investment options (physical gold, gold ETFs, and mining stocks) is crucial. Without this knowledge, investors may make uninformed decisions and risk losing money. 2. Failing to set clear goals Before investing in gold, it is essential to define financial objectives. This can include the preservation of wealth, hedging against inflation, or profit from short-term price fluctuations. Without clear goals, one may make impulsive decisions and find it challenging to determine when to buy or sell gold. 3. Ignoring transaction costs Investors often overlook transaction costs, such as premiums on physical gold or fees associated with buying and selling gold-related assets. These costs can significantly impact the overall returns, so one should factor them into the investment strategy. 4. Over-allocating While gold can be a valuable addition to the investment portfolio, it is unwise to over-allocate. Diversification is key to managing risk, and putting too much capital into a single asset class can expose one to undue risk. Here, allocating only a portion of the portfolio to gold, typically ranging from 5% to 15%, depending on risk tolerance and financial goals, can be a safer bet.