One may need money for various reasons, whether it is for funding further education costs, buying a new house, or starting up a new business. A steady income may cover most of one’s regular expenses, but major purchases or emergencies may require one to borrow funds. The banks and federal organizations offer many options for people to borrow money with varying interest rates and repayment schedules. Read on to understand the common types of loans. Personal loans Personal finance is a versatile option that can help fulfill various needs. It can be availed to cover expenses like emergency bills, vacation, medical treatment, relocation to a different city, home renovation, wedding, or buying expensive electronics like tablets, computers, washers, and refrigerators. Usually, the repayment period can range from a few months up to a couple of years and the interest rate can either be fixed or variable, depending on the preference of the borrower. One can apply for personal loans via a bank or an online lender. One can choose between a secured and unsecured personal loan . In case of a secured loan, the borrower needs to provide a collateral that can back it up. This collateral can be any valuable, such as a vehicle, savings account, life insurance policy, or gold, which acts as a type of security for the lender who can claim it if the borrower fails to repay the loan amount. Secured loans are relatively cheaper than unsecured ones as the lender has a collateral backing. Alternatively, unsecured loans don’t need any collateral and are also known as signature loans since the lender does not have any security of the loan except the borrower’s signature. Unsecured loans are more convenient and quicker than secured ones, but they also tend to be costlier or have higher interest rates.

Receiving a cancer diagnosis can be a worrisome premise for many. This life-altering condition can make people feel overwhelmed, causing them to shut themselves off from any new information. However, taking an active part in treatment planning can help one achieve better outcomes and reduce side effects. Doctors with special training in diagnosing and treating tumors and cancers are known as oncologists. Here are some questions to ask your oncologist about cancer: About the diagnosis It is important to understand what tests are being conducted to diagnose cancer and how you can prepare for them. Here are some questions to ask at your initial appointment: What diagnostic tests or procedures do I need? How often do they need to be conducted? How can I prepare for these tests? What will these tests tell us? When will I get my results, and how will I receive them? Will I need to repeat any tests if I seek a second opinion? About cancer Upon diagnosis, it’s important to completely understand the type and stage of cancer, as this will help determine your treatment plan. Here are some questions you must ask: What type of cancer do I have? Where is the cancer located? What is the stage of this cancer? What does this mean? How does this stage affect the rest of my body? What are the risk factors during this stage? Do certain genetic factors play a role in increasing the risk of this cancer? Is my immediate family at risk of developing this condition too? What lifestyle changes can I make to improve my quality of life before, during, and after my cancer treatment? About the treatment Once you have a better understanding of the condition, it is time to formulate a treatment plan. Oncologists typically involve patients in this process.

A cruise vacation can be exciting, with all kinds of onboard events to look forward to and a charming itinerary filled with nightlight, buffets, and the open seas. However, not every cruise package is created equal, and some trips on the sea can be underwhelming. So, it is important to do a little research before booking a cruise and choose top-rated options. Further, here are a few cruises to avoid for a hassle-free vacation: 1. Short cruises during spring break A cruise trip during spring break can seem ideal because of the perfect weather in places like the Caribbean. Even the ports are not too crowded, and one can take kids along during their school break. However, even college students get a break during this time and tend to book cruise trips. So, the cruise ship can get overwhelming and chaotic because of the noise and non-stop partying. Instead, one should book a cruise to the Caribbean during January if they want a more relaxing experience at the sea. If one must book one during spring break, they should look for less party-centric cruise lines. 2. First and last Alaska cruises of the season Destinations like Alaska are perfect spots for tourists because of the rainy weather and luscious green mountains they can experience. Here, cruises that sail in May and September are comparatively cheaper than June, July, and August packages. But for new travelers, this might not be the ideal cruise destination in May and September. This is because there is a high chance of experiencing bad weather during these months, with May being slightly colder and September bringing heavy rains in the region. It may also disappoint shoppers as the port shops at the beginning of the season are usually not fully stocked yet. Further, by September, these shops usually run out of prime goods and do not restock until next spring.

Medicare is a federal health insurance program for people with certain disabilities and people over 65. Original Medicare has two main parts: Part A, which covers the cost of inpatient services, and Part B, which covers the cost of outpatient services and certain medical equipment. Although the program is meant to ease the financial burden of medical costs on people, it can be quite complex to navigate. This article explores 11 things that are excluded from Medicare coverage. 1. Medically unreasonable services and supplies Any services and supplies deemed unnecessary or unreasonable for diagnosis or treatment are not covered by Medicare. These may include: Services that could have been furnished at a lower-cost setting (such as at a nursing home) Services that exceed Medicare length of stay limitations Excessive therapy or diagnostic procedures Unrelated screenings, tests, examinations, or therapies (that the patient has no symptoms for) Unnecessary services based on patient diagnosis, such as transcendental meditation Exceptions to this rule include Medicare preventive services, transitional care management, chronic care management, and advance care planning. 2. Opticians and eye exams While Medicare covers ophthalmologic expenses (such as cataract surgery), it does not cover the cost of most vision services, including eyeglasses and contact lenses or routine examinations for prescription and fitting. Additionally, Medicare does not cover the cost of eye refractions provided by practitioners. Those looking for vision coverage must consider signing up for Medicare Advantage plans. 3. Dental work Original Medicare and Medigap policies do not cover routine dental services such as the care, treatment, filling, or removal of teeth or the structures supporting the teeth (that is, the periodontium, which includes the gingivae, dentogingival junction, periodontal membrane, cementum, and alveolar bone). However, there are certain exceptions for the same. Medicare may cover some dental services, such as an X-ray required for treatment of a jaw or bone fracture, tooth extraction for radiation treatment, oral or dental examination performed prior to a renal transplant or heart valve replacement, or a dental service performed as an integral part of a treatment.

Processed foods like cakes, cookies, candies, and breakfast cereals contain added sugar, and most people find them delicious and irresistible. However, they have little nutritional value. Eating too many sweets can increase the risk of several health issues. For instance, it can lead to blood sugar spikes and heart disease. When a person eats too much sugar regularly, the body begins to give signs that it is time to cut back on sweet foods. High blood pressure Besides monitoring salt intake, people suffering from high blood pressure should watch their sugar intake because eating too much sugar is also linked to high blood pressure. According to a study, foods high in sugar can reduce nitric oxide in the blood vessels, which can, in turn, impact blood flow and lead to high blood pressure. Mood swings or irritability Feeling moody, irritable, or depressed on and off is a common sign of high sugar intake. Mood swings occur as foods high in sugar affect the neurotransmitters in the brain that regulate mood. Sugary foods also negatively impact gut function, another factor linked to a person’s mood. Low energy or tiredness Binging on sugary snacks wreaks havoc on one’s blood sugar levels. It first causes blood glucose to rise, providing a boost of energy. But this energy does not last for long. The body produces excess insulin to lower high blood glucose, eventually leaving the person tired and lethargic. This is why many experience low energy levels around 30 minutes after savoring a sugary snack. High-sugar foods are low in protein and fiber, depriving the body of enough nutrients to stay energized consistently. Craving sweets all the time Eating sugary foods causes the brain to release dopamine, the hormone which makes us feel positive and happy. After avoiding sugar for some time, dopamine levels drop, leading to withdrawal symptoms.

Navigating the landscape of birth control contraception is essential for anyone seeking to take control of their reproductive health. However, the myths surrounding these methods can lead to confusion and misinformation. Here are some of the common misconceptions about birth control that have been debunked with the facts. By dispelling these myths, individuals can better understand the array of contraceptive options available and select the one that aligns with their unique needs and preferences. Myth 1: Birth control contraceptives cause permanent damage Most contraception methods have not been found to cause any type of permanent damage to reproductive health. Any potential side effects are typically reversible after discontinuation. Myth 2: Using birth control methods leads to hormonal imbalances While hormonal options exist, there are non-hormonal methods, such as barrier devices and fertility awareness-based methods, that provide effective contraception without altering hormonal balances. Myth 3: Only women use contraceptive methods Birth control encompasses a wide range of options for individuals of all genders, including barrier methods and sterilization procedures. Myth 4: Preventing pregnancy is the only goal of using contraception While the primary goal of most contraceptive methods is to prevent unwanted pregnancy, some birth control methods can also help manage certain health conditions, such as heavy menstrual bleeding. Myth 5: Birth control contraceptives do not work after childbirth Depending on the method, birth control can be effective shortly after childbirth. It is important to discuss options with one’s OB/GYN for postpartum contraception requirements. Myth 6: Birth control contraceptives inhibit future fertility With the exception of permanent sterilization methods, most forms of contraceptives are reversible. Fertility typically returns after discontinuation. Myth 7: There are no health benefits of using contraception methods Certain contraception methods can help manage conditions like heavy menstrual bleeding and may even provide protective effects against certain cancers. Myth 8: Contraceptives are immediately effective Even though some methods provide instant protection, others may require a brief period to reach full effectiveness.

In a world where most ready-to-eat meals contain excess fats and calories, finding a balance becomes necessary. The food one consumes helps maintain overall health, reduces the risk of a disease, and hastens the recovery process. This is particularly true in the case of cancer. While no food can cure cancer, intake of certain vegetables, such as the ones given below, may reduce its risk. This article additionally touches upon options for cancer treatment. 7 Foods That Help Reduce the Risk of Cancer Berries Berries like blackberries, mulberries, strawberries, and blueberries are rich sources of vitamin C, folate, potassium, and manganese. They also contain a high amount of antioxidants, including ellagic acid, gallic acid, and chlorogenic acid, and have anti-cancer properties. Garlic Garlic is a vegetable that contains an active compound called allicin. One study concluded that people who ate a large number of allicin-rich vegetables such as garlic, onions, leeks, and shallots had a lower risk of stomach cancer. Tomato According to some experts, this fruit is a cancer-fighting superfood. Tomatoes contain lycopene, which is an antioxidant phytochemical that keeps away heart diseases. They are, additionally, a rich source of vitamin A, C, and E, all nutrients that help reduce the risk of cancer. Grapes Grapes and other citrus fruits such as lemons, limes, and oranges decrease the risk of cancer, especially of the digestive and upper respiratory tract. They are also known to reduce the risk of pancreatic and stomach cancer. Broccoli Broccoli and other cruciferous vegetables are known for having potent anti-cancer properties. They contain glucosinolates, which produce protective enzymes when they pass through the digestive system. These enzymes help the body to detoxify harmful chemicals that could lower cancer risk. Apples Each slice of an apple contains a high amount of fiber, potassium, and vitamin C.