Personal loans can help with various expenses, such as planning a vacation, further education, home renovation, or even health expenses. These loans can also aid in completing a renovation project instead of abandoning it halfway due to budgetary constraints. However, the loan application process can be daunting and may lead to mishaps that can prove costly later on. Check out some common mistakes to avoid, specifically those with poor credit scores. Not checking score Not checking the credit score before applying for loans is one of the most common loan application mistakes and can prove to be detrimental. It may be so that the credit reports have inaccuracies that further impact the individual’s credit score. So, before applying for a personal loan, checking credit reports for errors and verifying the score from one of the top credit bureaus is recommended. Applying to different lenders simultaneously Another practice that negatively impacts a person’s credit score is simultaneously applying to multiple loan vendors. When an individual submits multiple applications within a short period, it can damage their scores, especially if they are rejected. Each loan application is handled with proper credit checks that can result in temporarily lowered scores. Individuals can instead research beforehand and apply to lenders dealing with poor credit scores. Only caring about interest Interest rates are crucial when applying for a loan and calculating the total payable amount. However, loan applicants often make a mistake: they become single-mindedly fixated on the loan’s interest rate. It becomes the deciding factor and the motivation for applying. However, aggressive rate shopping behavior can result in harder inquiries. Applicants should look for lenders willing to loan them the amount despite their poor credit score, even if they must accept a higher interest rate for their loan. Later, they can choose to refinance their loan with one that has a lower interest rate.

Technological advancements have enabled access to therapy from the comfort of home. So, psychiatrists can provide their services via virtual sessions. Online psychiatry services are especially beneficial for those who may not be able to visit a mental health professional in person or those who can not find suitable therapists nearby. Today, several online platforms facilitate psychiatric consultations. To make choosing a provider easier, here are some of the best platforms one can consider: 1. Teladoc Teladoc is among the most reputed online platforms for accessing therapy and psychiatric consultation. One of the platform’s key features is the option to choose a therapist or psychiatrist. One can see if they are comfortable with their choice and then continue to consult the same therapist for all sessions or choose a different one. This platform is accessible through both website and mobile application. So, users can attend therapy sessions via video chats on the electronic device of their choice. Another great feature of this platform is its pay-per-session model instead of a fixed subscription model. So, one can schedule and skip sessions if necessary. 2. Talkspace Talkspace is another great platform for online therapy and psychiatrist consultation. It offers a different approach when it comes to choosing a therapist. The platform asks users to take an assessment based on which they are matched with the most suitable psychiatrist. If one wishes to switch their provider, they can do that for no additional cost. A great thing about Talkspace is that, along with live video consultations, it offers call and text consultations at a lower price. 3. Brightside Brightside is another common online service provider that offers psychotherapy and psychiatric consultations. This platform also offers consultations via live video chats and instant messaging, so one can text their therapist at any time. This is a subscription based service that charges users on a monthly basis.

An income annuity covers various retirement expenses that are not always covered by Social Security or pensions. The customizable contract issued by an insurance company converts an investor’s premiums into a guaranteed, fixed-income stream. It reassures investors of a steady income flow, throughout post-retirement. This retirement plan is only as good as how well one manages the contract. With proper expert guidance, an investor can learn how to reap the benefits of an income annuity. Learn about the types One of the easiest ways to benefit from annuities is to learn about the available types. There are various options: immediate, deferred income, indexed, variable, and fixed deferred annuities. Each type might suit different investor profiles. Learning about them in detail will help one make a more informed investment decision in the long run. Split the money One can divide their money across various annuity contracts using a bucket strategy to stay on budget. The method allocated for short-term, intermediate, and long-term expenses. For instance, if one has recently retired, one of the contracts can be set up to start immediately, while another can be set up in five years when the spouse plans to retire. A third contract will be initiated in 10 years, when one might expect a higher health care bill. Doing so ensures one receives money for current needs while the deferred annuities keep growing to offer higher payments later. Transfer wealth Income annuities let investors transfer wealth to others, such as heirs. Options with death benefits direct any remaining value of the contract to a beneficiary in a lump sum or a series of payments. An individual can also get a joint-life annuity policy, which will be with the spouse or child. One should remember that an inheritance strategy will reduce the monthly income the annuity pays the investor.

Food plays an important role in maintaining daily health. Without proper nutrition, the body’s immune system will not be able to handle chronic disorders. Essential vitamins, minerals, and nutrients sourced from fresh foods and healthy cooking techniques can even help prevent and reduce the risk of cancer to some extent. The following changes in the food regime can help maintain a nutritional balance and improve quality of life, especially during treatment. Healthy fruits and vegetables Cancer mainly worsens due to the oxidative stress caused by free radicals. These unstable molecules destroy healthy cells in the vicinity and aggravate the symptoms of different types of cancer. Vegetables like carrots, Brussels sprouts, and squash are rich in carotenoids that promote anticarcinogenic benefits. Broccoli, spinach, and kale are also healthy options to consider among leafy greens. Additionally, citrus, lycopene, and antioxidant-rich fruits like orange, tomatoes, and assorted berries, especially strawberries, can lower the effect of oxidative damage. Certain polyphenols and allium compounds found in garlic, onions, leeks, chives, herbs, and other spices also help lower the risk of cancer-causing free radicals. Foods rich in fiber Constipation is a common discomfort experienced by many people during cancer treatment as a side effect of certain medications. Including more fiber in one’s daily food habits can help promote better digestion and bowel movements. Dietary fiber can be sourced from a variety of fruits, vegetables, legumes, and nuts. Kidneys, lentils, split peas, and chickpeas are loaded in these fibers. Barley, corn, bulgur, oats, spelt, and rye are excellent options in whole grains. These grains add bulk to the stools to promote better evacuation from the digestive tract. It is possible to introduce a lot of dietary fibers during breakfast, one of the most important meals of the day. Foods to avoid Eliminate most types of processed foods that contain unhealthy saturated and trans fats.

For women trying to conceive or wondering if they may be pregnant, one of the first signs to watch out for is a missed menstrual cycle. Although several other symptoms can point to the possibility of a pregnancy, it’s always best to visit a doctor for confirmation. Read on to know the common symptoms of pregnancy: Missed period If a woman in childbearing years experiences a delay of over a week in her menstrual cycles, it may indicate pregnancy. That being said, missed or irregular cycles could also be a result of health issues like thyroid problems. So, women should also keep an eye out for the other symptoms mentioned here. Fatigue Being more tired than usual could be an early symptom of pregnancy. When a woman is pregnant, the progesterone levels in her body rise, which causes her to feel sleepy and tired. Frequent urination During pregnancy, the quantity of blood flowing in a woman’s body increases, causing the kidney to work overtime. This places extra pressure on the bladder and leads to more frequent urges to urinate. Nausea or morning sickness This may be accompanied with or without vomiting, and this pregnancy symptom is also known as morning sickness. Contrary to popular belief according to the name, it may occur at any time of the day. That being said, all women do not experience this symptom, so it should not be considered as the ultimate factor that indicates pregnancy. The cause of this symptom is unknown, but pregnancy hormones are considered to play a key role in its development. Swollen, tender breasts Pregnant women may experience sore and sensitive breasts. After a few weeks into the pregnancy, this discomfort reduces as the body gets accustomed to the hormonal changes, but this is a concrete sign of pregnancy. Nasal congestion This is a little-known sign of pregnancy and occurs due to soaring hormone levels and the production of blood that make the nose swell, dry out, and bleed.

Addictions have become an extremely serious global issue. From different kinds of substances to alcohol and nicotine, people can be addicted to a variety of vices. Being addicted to something is a disorder, which affects the behavior and brain. When the addiction increases, one loses control over his/her urge to use the substance, even if they know how bad it is for them. Understanding it better First, one needs to understand that addiction is a disease. It can start from consumption on an experimental basis, which leads to more intake use until the person cannot control the urge any longer. While some substances may take time to become addictive, a few can be riskier and turn a person into an addict immediately. Like most other diseases, addictions can be treated, but it requires more support from loved ones, and one needs to develop the willpower to quit. Symptoms of addiction Sometimes it can become quite difficult to identify if one is addicted to any substance. Avoiding the consumption of alcohol or any other substance is the best way to save oneself from addiction. However, if a person has started consuming any of these substances, they must look for the following symptoms to recognize if they have become addicted. Using daily or maybe even more than once in a day An intense need to use it and lacking focus on anything else If one requires to take more than before for the same effect Always keeping supply at hand Spending more money on it than affordable Hampers work or social commitments Effects on mental and physical health Starting to do take part in risky behaviors under the influence Starting to feel the physical symptoms of withdrawal when not using the substance Causes of addictions Various factors can influence addiction. The two most powerful influences are the environment and genetics.

From carpets and drapes to upholstered furniture and air ducts, everything in your home attracts dust and various other contaminants. Perhaps the best way to get rid of these contaminants is to call a professional cleaning service. If you’re looking for a reliable service provider, SERVPRO is an excellent option. With over 50 years of experience, they are the country’s leading residential and commercial restoration and cleaning service. This article looks at the various residential cleanup services offered by SERVPRO. Air ducts and HVAC Routine inspection and cleaning of the HVAC (heating, ventilating, and air conditioning) units in your home can extend the equipment life and improve the quality of indoor air. Biohazard SERVPRO professionals are equipped with the necessary safety apparatus and cleaning products to clean, remove biohazards and dispose them of properly. Carpet and upholstery cleaning They offer various specialized regular and deep cleaning methods for all types of carpets in homes. Ceiling, floors, and walls Ceilings and walls accumulate cooking oils and grease, cigarette smoke, and other contaminants over time. Getting them cleaned by professionals occasionally is a great idea. Drapes and blinds SERVPRO specializes in cleaning fine fabrics and intricate pieces. They offer five different cleaning methods for drapes and blinds. You can consult with their professional to select the most appropriate method. Odor removal Persistent odors within the indoor environment can damage your health. Professionals at SERVPRO can identify and eliminate odors using specialized equipment and techniques. Sewage and toilet overflow Toilet overflow or sewer backups should be considered an emergency. These waters are usually contaminated with harmful viruses, bacteria, and other microbes. Trauma and crime scene SERVPRO professionals follow OSHA and EPA to get rid of biohazard contaminants from blood, chemicals, or tear-gas residues following crime or accident scenes. Vandalism and graffiti It’s usually difficult to remove graffiti paint without expert help.

Palatable meals can help you stick to any diet plan. If you’re on the keto diet, you’ll be happy to hear that there are many tasty recipes you can whip up for breakfast, lunch, or dinner. But, if you are specifically looking for delicious keto dinner ideas, you’re in the right place. Herein, we’ve rounded up some of the best keto recipes that make for a satisfying supper. Keto butter chicken Perhaps the best thing about keto is that you’re encouraged to feast on food high in fats. So, don’t miss the opportunity to try the keto version of the spicy and famous Indian dish — butter chicken. Traditionally, butter chicken is made using ghee or clarified butter. Ghee tastes almost like butter but has a slightly roasted, nutty flavor, and offers more nutritional benefits. Creamy Tuscan garlic chicken Featuring heavy cream and parmesan cheese, there is nothing not to dislike in this Italian-inspired dish. The best part is that it’s easy to make and requires ingredients that you likely already have. First, you need to prepare a little spicy and creamy sauce that requires heavy cream, chicken broth, garlic powder, Italian seasoning, and parmesan cheese. Then add spinach, sun-dried tomatoes, and cooked chicken. That’s all! Pepperoni pizza with fathead crust Craving a pizza? Try this thin-crust fathead pizza tonight! Though low in carbs and keto-friendly, this recipe is delicious, and everyone in your family can enjoy it. The pizza dough is made from almond flour, but add some yeast for bread-like flavor. For pizza sauce or marinara sauce, make sure to choose no-sugar-added varieties. And, if you’re using mozzarella cheese for topping, shred it at home as the packaged one doesn’t melt well. Keto beef stew If you’re a fan of stew, here’s another delicious keto dinner idea you’ll love — a beef stew.

Sickle cell anemia is an inherited disease in which the initially flexible, round red blood cells become crescent moon- or sickle-shaped. As a result, blood flow through small vessels slows down or stops, leading to various symptoms. The only cure for sickle cell anemia is a stem cell or bone marrow transplant. However, recent studies have shown that certain herbs and their blend can also provide relief. Read on to learn more about the herbal management of sickle cell anemia. Niprisan herbal extract formula Nigeria has the highest number of sickle cell patients in the world. To help its citizens fight the disease, the Nigerian government’s National Institute for Pharmaceutical Research and Development (NIPRD) developed a herbal formula called Niprisan that has shown promising results. It is made with extracts from four different plants: Piper guineense seed: Also called the West African pepper or Guinea pepper Pterocarpus osum stem: An African timber Eugenia caryophyllus: Also called cloves Sorghum bicolor: Also known as sorghum, great millet, durra, jowari/jowar, or milo The main active compounds of these herbs are piperine, chavicine, capsaicin, and cubebin. The medicine is unlikely to cause significant side effects. Fagara zanthoxyloides Herbal management of sickle cell anemia involves a few other herbs as well, which have shown promising results. One of them is the root bark of fagara zanthoxyloides, a well-known medicinal plant in Uganda. The herb is also extensively used to treat malaria and other infections. A study suggests that the root bark of fagara zanthoxyloides can reduce the formation of sickle-shaped cells. Plus, it can lower the symptoms’ severity to a great extent. Terminalia catappa Also known as tropical almond or Indian almond tree, Terminalia catappa grows throughout Africa, Asia, and Australia. Extracts from the leaves of this tree have long been used in Africa for treating various ailments.

Food habits play a critical role in maintaining overall health and immunity. Any deficiencies in vitamin or nutrient content can trigger a series of discomforts linked to certain chronic conditions. Also, there are a number of food triggers that can aggravate existing symptoms in conditions like arthritis. This is one of the main reasons why it is essential to incorporate and eliminate certain food options to manage joint pain to some extent. Foods to have: Foods rich in omega-3 fatty acids Inflammation is one of the significant triggers of joint pain and discomforts. The body must naturally absorb omega-3 fatty acids to counter these problems and reduce the risk of cardiovascular diseases. Seafood like salmon, halibut, trout, sardines, and tuna are rich sources of this nutrient to be included among daily foods. Vegetarians can alternatively source omega-3s from a variety of nuts and seeds. Walnuts, pine nuts, almonds, chia seeds, and flax seeds are among the popular sources. Fresh fruits and vegetables Cruciferous vegetables like cauliflower, broccoli, and Brussels sprouts are loaded with nutrients that act as pain receptor blockers. Kale, purple cabbage, and mustard greens are popular choices among leafy greens. Similarly, fruits rich in antioxidants, particularly flavonoids, can help manage the inflammatory responses to alleviate discomforts associated with joint problems. Assorted berries like cranberries, blueberries, and raspberries are excellent choices. Further, one can add pineapple as it is rich in a compound called bromelain. Bromelain has shown significant results in managing pain linked to rheumatoid arthritis and osteoarthritis. Even tomatoes are loaded with lycopene that is a powerful antioxidant. Foods to avoid: Processed and canned foods Foods bought off the shelves in the supermarket are loaded with additives, preservatives, salt, sugar, and food coloring. The gluten from wheat, empty calories from processed foods, refined carbohydrates, fried foods, and even carbonated beverages can exacerbate the symptoms.

Pulmonary fibrosis is a progressive disease of the lungs. It occurs when the lung tissue gets damaged and scarred, causing shortness of breath, dry cough, fatigue, chest pain, appetite loss, and other discomforts. Unfortunately, there’s no complete cure for pulmonary fibrosis. However, proper nutrition can help manage the condition. This article lists the foods patients must eat and avoid, along with a few medications, including Esbriet®, as treatment options for pulmonary fibrosis. Foods to eat The following foods can help manage pulmonary fibrosis: Whole grains Whole grains like oats, quinoa, and brown rice are packed with fiber. They also have nutrients that can help lower cholesterol levels and decrease inflammation, improving the quality of life among pulmonary fibrosis patients. Lean protein Protein helps strengthen the chest and abdomen muscles, reducing breathing issues. One must choose high-quality lean proteins like skinless chicken breasts, eggs, and fatty fish. Some excellent plant-based protein sources include beans, peas, nuts, legumes, and tofu. Fruits and veggies Fresh fruits and vegetables like carrots, celery, spinach, berries, kiwi, and pineapple are loaded with a slew of antioxidants, vitamins, and minerals that help support lung health and ease pulmonary fibrosis symptoms. Plus, they’re high in fiber and can boost digestion. Foods to avoid Certain foods can worsen pulmonary fibrosis symptoms. These include: Fried foods Fried foods, such as French fries, fried chicken, and potato chips, can cause throat irritation. This may trigger cough and also lead to bloating and gastric disturbances, making breathing difficult. Moreover, fried foods can cause fat gain, which can further worsen breathing problems. Cured meats Cured meats are loaded with nitrates, which act as a preservative and help meats maintain their color. Studies show that nitrates can damage lung tissue and worsen pulmonary fibrosis symptoms. Therefore, one must avoid cured meats like bacon, hot dogs, ham, and salami.

A healthy diet is one of the essentials of living an illness-free lifestyle, including lowering your risk of cancer. Understanding nutrition is essential if you are either managing this illness or trying to avoid it. Speak to a doctor in detail to know why these following foods should be avoided to reduce the risk of cancer. If you are managing your symptoms, you can also read about immunotherapy that may be helpful for your recovery. Processed meats These are primarily red meats like hot dogs, salami, sausage, corned beef, beef jerky, and ham. These meats are preserved using smoke, curing, salting, and canning and these processes can create carcinogens in the food. Several reviews suggest that over-consumption of processed meat is related to breast, stomach, and colorectal cancer. Fried foods According to research, a compound called acrylamide is formed when starchy ingredients are cooked in high temperatures, and this compound is responsible for damaging DNA and causing the death of cells. As over-consumption of fried foods can lead to obesity and risk of diabetes, it also increases oxidative stress in the body. These unhealthy reactions in the body may increase the risk of cancer. Alcohol The liver in the body breaks down alcohol into a compound called acetaldehyde. This compound is carcinogenic, and it promotes oxidative stress and damage to the body’s DNA. When such a reaction occurs in the body, it weakens the immune system, making it difficult to kill any cancerous cells in the body. Studies suggest that women who drink too much alcohol are at high risk of getting estrogen receptor-positive breast cancer. Immunotherapy treatment This is a type of therapy that works with the immune system to fight cancer cells. A healthy immune system can fight off the infections and diseases in the body, which are major health risks.