It is a well-known fact that veterans enjoy financial assistance for education and healthcare through the Department of Veterans Affairs. However, these are not the only benefits they are entitled to. Veterans can also opt for other programs to save money and maintain an ideal lifestyle. Sadly, not many are up to date with these additional perks, causing them to miss out. Here are some of the lesser-known veteran benefits to consider. Long-term health care Long-term care can be pretty expensive. Still, many only save for it once it becomes a total necessity. While most veterans understand the basic health care they are entitled to, long-term care assistance is a lesser-known but equally crucial benefit they can access. Several programs help veterans lower their overall expenditure whenever they need continuous support. Some long-term care services offered by the Department of Veterans Affairs (VA) include the following: Home health care and adult day care:  The VA provides home health services to veterans who want to stay home while recovering. These services include nursing care, physical therapy, and assistance with daily tasks like bathing, dressing, and meal preparations. In addition, veterans have access to adult day healthcare services if they require care only during the day. These services include assistance with social activities, companionship, and essential health services. Respite care: Looking after a loved one can be rewarding yet overwhelming. If a veteran’s caregiver needs temporary breaks, they can seek the VA’s respite care services. These services are available at home, local VA community living centers, and adult day healthcare centers. Hospice care:  The VA provides hospice care services to veterans with terminal health conditions. These services focus on pain management, emotional support, and assistance to enhance the quality of life. Nursing home care:  VA nursing homes and state veterans homes look after veterans with complex healthcare requirements.

Besides ensuring hygienic living conditions, a clean home is essential to facilitate a sense of peace and calm and prevent chaos. While home cleaning is often considered tiresome, it can be a fun group activity when all the inhabitants of a home collaborate in the process. Moreover, using the right cleaning products can ensure hassle-free and efficient cleaning and reduce manual effort. Following are some must-have cleaning products that can make life easy for homeowners: Microfiber cloths Microfiber cloths contain several positively charged polyester fibers and negatively charged nylon fibers, which help collect grease, grime, dust, and bacteria. Moreover, they are easier to clean than sponges and paper towels, facilitating better hygiene. Stacking up these microfiber cloths separately in a dedicated space is advisable so that they do not accumulate dust. Extendable microfiber duster Cleaning higher surfaces can be challenging, often requiring one to climb on stools or chairs. However, extendable microfiber dusters significantly reduce one’s effort in the process. These microfiber dusters can reach significant heights, such as fan blades and the tops of wardrobes, and ensure thorough dusting. All-purpose cleaner All-purpose cleaners are go-to cleaning products to clean multiple surfaces and areas, including furniture, bathroom, kitchen, and floors, and ensure a tidy home. Although specific cleaners should also be a part of one’s cleaning kit, it is not always possible to carry out extensive cleaning. Moreover, an all-purpose cleaner comes in handy when any cleaning product gets over, and the surface remains to be cleaned. Collapsible bucket These buckets are spacious when one requires them for cleaning and space-efficient when not in use. Collapsible buckets may be tucked away in a corner and can help one utilize space, especially in smaller homes. Baking soda This product is not only useful in fluffing up one’s cakes and pastries but also in facilitating a spick-and-span home.

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.

Treating several respiratory illnesses such as asthma, the common cold, and those due to allergy reactions involve preventing triggers of the symptoms. Most people assume they must take precautions only when they head outside. Although it is essential to mask up and avoid pollutants, smoke, and particulate matter outdoors, it is equally crucial to be wary of potential symptom triggers indoors as well. Here we’ve discussed some hotspots for respiratory problems and how to tackle them. Doorknobs and drawer and appliance handles The handles of drawers, appliances, and doorknobs in any home or office are some of the most touched surfaces, as everyone comes in contact with these. As a result, they are one of the biggest hotspots for respiratory illnesses. They can quickly spread contagious germs such as viruses, bacteria, etc. What you can do Although it is impossible to completely cut off contact with these surfaces, cleaning them with disinfectants is recommended. Electronic keypads and keyboards Electronic keypads and keyboards can have 400 times more germs than an average toilet seat. This is because these are in constant contact with our hands, which are the biggest carriers of germs unless we sanitize them regularly. Moreover, many people drink and eat at their desks as they work. The debris and residue on the keyboards encourage fungi, viruses, and bacteria. What you can do Wiping the keyboards and keypads with disinfectant daily will help prevent them from becoming hotspots for respiratory illnesses. Also, you can use a keyboard cleaner to eliminate any debris that might be stuck between the keys. Shared glassware, dishes, and utensils It is common practice for many people to share glassware, dishes, or even spoons at home or in the office. If you want to avoid a nasty respiratory illness, it is best to avoid this practice altogether, as it is the easiest way for germs to spread and make you sick.

As the holiday season draws near, many shoppers search for the finest bargains on appliances to enhance their homes. Similarly, Black Friday sales feature significant discounts on everything, from cutting-edge refrigerators to high-powered cooking ranges. However, specific categories of appliances are more in demand than others, and these products are offered mainly at unbeatable prices. Here are a few of the top appliances in demand for this year’s Black Friday. Refrigerators Wayfair, Home Depot, and Amazon offer significant discounts on high-priced items. In the previous year, customers could save nearly $1,000 on top-brand refrigerators. Top-freezer refrigerators: This classic style of refrigerator is commonly preferred by consumers. It’s a perfect no-frills option for those looking for a basic fridge. Bottom-freezer refrigerators: Adding a bottom-freezer refrigerator to the kitchen can be a convenient choice, regardless of the size or style. Unlike top freezer refrigerators that keep frozen foods at eye level, bottom freezer refrigerators are perfect for those who mainly cook with fresh ingredients. Additionally, they are more affordable than other options, and with Black Friday sales, the prices are even more reduced. Side-by-side refrigerators give easy access to the freezer and fridge. Moreover, the doors of these refrigerators are narrower compared to others. These are suitable for kitchens with space constraints. Vacuum cleaners From premium models to budget ones, vacuum cleaners of every price range go on sale during the Thanksgiving sale period. Last year saw significant retailers offering steep discounts on different types of vacuum cleaners. For example, Target offered a massive 50% off on original retail prices. These included robot, handheld, and upright vacuums from top-selling brands. Washers & dryers Many major stores such as Best Buy, The Home Depot, and Lowe’s have offered incredible deals on washers and dryers, usually pricier during the non-sale period. In previous years, the discounts ranged from 30% to a massive 55% on these popular types of washers and dryers.

No matter how spacious and good-looking, a house isn’t habitable until furnished. Buying the right furniture pieces involves considering various factors, including one’s requirements, preferences, budget, and color coordination with the walls. In other words, shopping for furniture requires perfectly integrating aesthetics and utility. Besides, it is a significant investment over and above the expenses incurred in buying a home. So, here are some mistakes to avoid while buying furniture. Not measuring the space The most common mistake is overlooking the available space. When buying furniture, homeowners must first measure the room and estimate the dimensions of tables and chairs it can accommodate. One must also measure the length and the horizontal and diagonal width of the stairways, passageways, and doorways to ensure the furniture can easily pass through while being moved to specific areas in the house. As a thumb rule, furniture pieces should be at least four inches less than the length and the horizontal and diagonal width of the doorway or passageway. Not understanding one’s requirements Any piece of furniture that has little or no use will only eat up space and make the room appear smaller. Thus, homeowners must understand their requirements before heading to the store. For example, a king-size bed is unnecessary if a bedroom has only one occupant. In such cases, a small but comfortable single bed would be the best bet. Similarly, a compact round or oval table would be a better option than a huge family dining table if a household has only one or two members and receives visitors infrequently. Not setting a definite budget range While it may be tempting to go with the flow while buying furniture, individuals must set a tight budget range or spending limit based on their needs analysis, financial status, and number of earning members in the family.

Aging is a natural part of life, but it often impairs cognitive functions, affects mobility, and raises health concerns. While it might not always be possible to be at the service of the elderly, assisted living can extend a helping hand in such cases. These communities provide safe and comfortable spaces for older adults and help them carry out daily tasks. Here are some signs that indicate it’s time to consider assisted living. What is assisted living? It is a supportive environment tailored to meet the needs of those requiring assistance with daily activities. One can approach such a community for oneself or a loved one. Striking conversations around assisted living may seem difficult, but these services often prove invaluable once they’re tried out. They instantly enhance the quality of life of an older individual by helping them retain their independence, providing engaging activities, the company of like-minded individuals, and opportunities to socialize. Signs it’s time for assisted living Inability to upkeep the house There are many aspects to maintaining a house, from vacuuming, cleaning, dusting, bed-making, laundry, and interior maintenance to taking out the trash, lawn mowing, snow shoveling, and much more. If one is unable to keep the house in a functioning condition, which includes regular cleaning, maintenance, and repairs, it may be a sign that additional support is necessary. This might be especially recommended for 55+ individuals since care facilities look into all of the above-mentioned key maintenance tasks. Lack of personal hygiene Another sign may be one’s inability to maintain personal hygiene, including bathing or brushing teeth independently. Employees at these care facilities can also help individuals with these tasks and make their daily living healthier and more comfortable. Issues with mobility These may include anything from not being able to climb stairs, get out of bed at night, sit or stand comfortably for long, and more.

With all the options of computer brands available in the market today, you might think it is effortless to pick up one. However, with so many choices, it can get tricky as buying a computer is a hefty, long-term investment. That’s why you should be aware of some common buying mistakes people would make while purchasing this device. And so, here are a few things to avoid before you invest in a computer : Buying without knowing your needs Never buy a computer just because everyone is buying it or there’s a lot of hype around it. While you may want to prioritize aesthetics and popularity, you need to identify your need for a computer and its software . Make a list of all the features that you would need and get the computer configured accordingly. Unfamiliar with different software programs Not knowing the right software may cost you heavily. Purchasing expensive software with a long list of features may not be the best thing to do if half of these features don’t even apply to your work. Next, know how to install and use the software. You also need to know if the software is protected against bugs with an antivirus program and consider the after-sale service of the software. Not considering different operating systems There are four primary operating systems you should know – Microsoft, Apple, Google, and Linux. While technology has made it easier to switch between these operating systems, you may often find one or more applications not working on alternative systems. So, if you have an expensive software installed, check with your developer if it will be compatible with the OS you plan to get. Not accounting for other computer costs A common mistake made by many while purchasing a computer is not accounting for other costs that are part of the bundle.

Many people decorate their homes with indoor plants. But if you are a cat parent, your plant obsession can inadvertently harm your feline friend. Most plants are safe for cats to play and prod, but a few are dangerous. Eating or coming into contact with them can lead to unexpected consequences, mainly because of their poisonous compounds. Below we have listed seven such toxic plants that you must keep out of your cat’s reach: Azaleas A part of the rhododendron family, Azaleas are one of the most beautiful houseplants that can transform your living space. However, the slightest nibbles out of their leaves can cause serious heart problems in your cat. It can sometimes aggravate into a coma and even be fatal. Milder side effects of rhododendron ingestion include vomiting, weakness, diarrhea, drooling, and a lack of apatite. Hydrangeas Hydrangeas are common in flower arrangements in home gardens. Although the plant is toxic to cats because of its chemical content, it is not as dangerous. Only ingesting a large amount of the plant can cause damage. Nevertheless, they pose a threat, so avoid having them around your pets. If you grow hydrangeas in your garden, ensure your cat never wanders near it and keeps a safe distance. Ingestion of the flowers and leaves can lead to vomiting, stomach pain, and weakness. Hyacinths The criteria for selecting plants for your home should be based on more than just their pretty looks. Despite being absolutely beautiful and fragrant, hyacinths remain poisonous to cats. The bulbs of their flowers are full of toxins that can lead to numerous complications if ingested. The symptoms are usually manageable if your cat has nibbled off just a tiny bit. But excessive intake, whether accidental or intentional, can be fatal. Therefore, you must get timely help if you think your cat has been munching on the hyacinth plant.

For homes with a yard or any outdoor space, dealing with unwanted pests is a constant battle. Further, homes that have pets need to watch out for pest invasions that may occur through their beloved pet. While it can be handy to use tricks or hacks as quick-fix solutions, these may sometimes prolong the infestation or make it more severe. So, always call in a professional and avoid some common pest control mistakes. Underestimating the severity of the infestation While trying to figure out the extent of the infestation, many people often make the mistake of assuming that it is not as serious as it looks. On the contrary, the infestation might be more severe than it appears on the surface. When it comes to pests and bugs, it is best to assume the worst. This is because most pests, such as ants, rats, and termites, are skillful in hiding. So, if one has observed a couple of these around the house, it is a sign that a significant number of them are hiding in some hole or nook in the house. They will end up causing extreme damage even before the homeowner figures out that there is an infestation. Making delay in taking action Another common mistake many homeowners make is waiting around to take some action against the infestation. Insects, bugs, and pests can multiply at a rapid pace, and the situation can get out of hand quite quickly. Therefore, it is best to take immediate action before the infestation becomes difficult to control. Take some immediate pest control measures as soon as the first signs of the pests are observed. Call in professionals to ensure immediate intervention so that there is minimal damage. Using DIY pest control solutions Many people often make solutions and sprays at home with stuff in their pantry and cleaning supplies to get rid of pests.

You can find a wide array of feature-rich smartwatches, but these gadgets can be expensive, especially ones that come with advanced functions. Smartwatches are fascinating gadgets that have become increasingly popular due to their cutting-edge sensors that can help you monitor your health. So, for this shopping season, here are the best smartwatch deals that you should check out during Black Friday sales. These offers might be rolled out soon based on past trends. Amazfit GTR 2 The Amazfit GTR 2 model is an incredibly powerful, capable, and functional smartwatch and could be available for $129.99. This makes it an affordable gift this holiday season. The watch comes with Amazon Alexa, blood oxygen monitoring, sleep tracking, music storage, and other features. Fitbit Versa 2 You can find the Fitbit Versa 2 at Best Buy for $119.95, i.e., you get $60 off on the purchase. With this gadget, you get a smartwatch that tracks your workouts, measures your sleep, has an always-on display, 24/7 heart rate monitoring, and is even water resistant up to 50 meters. Samsung Galaxy Watch4 Shoppers get to choose from two designs, two sizes, and two LTE options for the Samsung Galaxy Watch4. All versions could be offered at $50 less, with prices ranging from $199.99 for the Watch4 size 40 mm to $329.99 for the Watch4 Classic size 46mm. Garmin Forerunner 4 This is the perfect device if you enjoy running, hiking, or other outdoor activities. Information is always simple to access when you are on the go, thanks to Garmin Forerunner 4’s huge digital display. The watch can track your daily activity levels, including steps taken, distance traveled, calories burned, stress levels during the day, and even how well you sleep. Apple Watch SE For most users, the Apple Watch SE is the best smartwatch model from the brand.

Cyber Monday is one of the best times for people to buy the products on their wishlists. However, at the same time, it is necessary to take a practical approach when it comes to the shopping season. With the excitement of scoring exciting deals during the shopping season, it is easy to lose track of expenses and make hasty decisions. So, here are a few mistakes to avoid on Cyber Monday: Not making a list Black Friday and Cyber Monday sales are truly the most exciting shopping events of the year. So much so that the incredible price drops tempt one to buy things they do not need. This can be a big mistake as this could make one miss out on things they do need as per their budget. So, it is always advisable to approach the shopping season with a list of things one needs. Here, sorting the products in the order of priorities is the best strategy. This way, one can focus on scoring the best deals on the things they truly need. Once they get all the necessary products, they can begin spending on other things if the budget allows for it. Not comparing prices During the shopping season, retailers aim to offer appealing Cyber Monday deals to drive traffic to their sites. As a result, a lot of them announce competitive prices and discounts on popular products. Here, to maximize savings, one should check and compare the prices of the same product on different websites; this can help one get the best deal. It is also a good idea to use price comparison apps, such as BuyVia, ShopSavvy, Price.com, and Flipp, to get the best offers. Not checking return policies Impulse buying is common, especially during big sale days. So, not every product that one gets might be good or useful.