Health and Beauty http://www.wisebread.com/taxonomy/term/4803/all en-US The 5 Best Facial Cleansing Devices http://www.wisebread.com/the-5-best-facial-cleansing-devices <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-facial-cleansing-devices" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_cleansing brush_851739770.jpg" alt="Woman using best facial cleansing devices" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>A facial cleansing device can clean the skin much better than hands alone, with far less effort. It can also boost the absorption of skin care products and make it easier to apply makeup. (See also: <a href="http://www.wisebread.com/the-5-best-facial-cleansing-brushes?ref=seealso" target="_blank">The 5 Best Facial Cleansing Brushes</a>)</p> <h2>What is a facial cleansing device?</h2> <p>A facial cleansing device is a cleansing tool that can be used to intensify the effects of facial skin cleanser. It can deep clean the skin, reduce the appearance of pores, and even provide anti-aging benefits.</p> <h2>Top 5 facial cleansing devices</h2> <h3>FOREO LUNA Play Plus Portable Facial Cleansing Brush</h3> <p><a href="http://amzn.to/2ySOyjL" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/foreo.jpg" width="245" height="245" align="right" alt="" /></a>The cult classic <a href="http://amzn.to/2ySOyjL" target="_blank">FOREO LUNA Play Plus Portable Facial Cleansing Brush</a> cleans and massages at the same time. The powerful, compact sonic face cleanser is ergonomic, lightweight, and comfortable to use. The large, two-zone facial cleansing brush head is made of ultra-hygienic silicone and has long ultrasoft bristles. Dual level touchpoints target larger areas and tough areas like the T-zone. Up to 8,000 T-sonic pulsations per minute help even out complexion, reduce the appearance of pores, and thoroughly remove dirt, oil, and makeup residue.</p> <p>The waterproof, hypoallergenic, phthalate-free, BPA-free skin care device works on all skin types, from sensitive to acne-prone skin. It's available in a range of colors and is powered by a replaceable AAA battery (included). It has outstanding online reviews and is frequently recommended online by publications like Allure, OK! Magazine, and Heavy.com.</p> <p><a href="http://amzn.to/2ySOyjL" target="_blank"><em>Currently $49.00 on Amazon</em></a></p> <h3>Clarisonic Smart Profile Uplift 2-in-1 Cleansing Device</h3> <p><a href="http://amzn.to/2yw1qKZ" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/clarisonic_0.jpg" width="126" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2yw1qKZ" target="_blank">Clarisonic Smart Profile Uplift 2-in-1 Cleansing Device</a> is designed to gently, effectively cleanse the face while visibly improving 15 signs of aging on the face, neck, and décolleté. The sonic cleansing device can remove makeup, dirt, oil, and sweat six times better than hands alone, leaving the skin soft, smooth, and bright. The waterproof cleansing brush and firming massage head also delivers 27,000 micro-firming massages per use to smooth the look of pores, fine lines, and wrinkles.</p> <p>This is available in different colors and works on all skin types, including sensitive skin. Clarisonic is the #1 cleansing device recommended by U.S. dermatologists, and this is also a Glamour Beauty Award Winner and recommended by Allure and NewBeauty. It is also backed by a two-year warranty.</p> <p><a href="http://amzn.to/2yw1qKZ" target="_blank"><em>Currently $349.00 on Amazon</em></a></p> <h3>SOLO Mio Sonic Face Cleanser and Massager Brush</h3> <p><a href="http://amzn.to/2xNRAWc" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/solo.jpg" width="208" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2xNRAWc" target="_blank">SOLO Mio Sonic Face Cleanser and Massager Brush</a> is a two-in-one device with cleansing on one side and massaging on the other side. The handheld device offers sonic cleansing technology, which uses thousands of gentle pulsations per minute to thoroughly remove dirt, oil, and makeup residue. It has a large cleaning surface and angled head to better target the T-zone in order to reduce pore size, erase fine lines, and exfoliate your skin.</p> <p>The massaging side has thousands of silicone micro-fingers to help boost the blood circulation. This can help reduce the appearance of fine lines and wrinkles and increase the production of collagen and elastin to restore skin's firmness and elasticity.</p> <p>This is available in two colors and works on all skin types, including sensitive skin. It is rechargeable and should last more than a month per charge. It is an Amazon best-seller, recommended by Heavy.com, and has more than 500 five-star reviews on Amazon. The waterproof cleansing brush promises instant results and is backed by a 100% money-back guarantee.</p> <p><a href="http://amzn.to/2xNRAWc" target="_blank"><em>Currently $37.95 on Amazon</em></a></p> <h3>Braun Face 851</h3> <p><a href="http://amzn.to/2yRgDaX" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/braun_3.jpg" width="130" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2yRgDaX" target="_blank">Braun Face 851</a> is the world's first facial epilator and cleansing brush system. The sonic-cleansing brush gently cleanses skin with hundreds of micro-oscillations to thoroughly remove dirt, oil, and makeup. The waterproof two-in-one gadget delivers deep cleansing that is six times more effective than manual cleansing. The slim, precise epilator has 10 micro-openings to remove even the smallest hairs for even softer, smoother skin.</p> <p>The dermatologist-tested complete skin care regimen is ideal for daily use on all skin types, including sensitive skin. The set includes a beauty pouch and four different facial cleansing brushes: normal brush, extra sensitive brush, exfoliation brush, and beauty sponge. The set is recommended by InStyle and has outstanding online reviews.</p> <p><a href="http://amzn.to/2yRgDaX" target="_blank"><em>Currently $59.97 on Amazon</em></a></p> <h3>Clarisonic Mia FIT</h3> <p><a href="http://amzn.to/2ziM5eB" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/clarisonic%20mia.jpg" width="176" height="245" align="right" alt="" /></a>The waterproof <a href="http://amzn.to/2ziM5eB" target="_blank">Clarisonic Mia FIT</a> uses patented sonic oscillation technology and fluid forces to create 300 micro massage movements every second. This creates a vacuum effect, which works six times better than hands alone to remove dirt, oil, sweat, and makeup. The compact, lightweight daily sonic cleansing device also clears pores to help prevent future skin issues.</p> <p>The dermatologist-tested device is gentle enough for twice-a-day use on all skin types, including sensitive skin. It has impressive claims, such as 96% of women reporting smoother, softer, healthier-looking skin after use. Clarisonic is the #1 cleansing device recommended by U.S. dermatologists, and this is also recommended by The Independent and backed by a two-year warranty.</p> <p><a href="http://amzn.to/2ziM5eB" target="_blank"><em>Currently $153.30 on Amazon</em></a></p> <p>And those are our recommendations for the best facial cleansing devices. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar" target="_blank">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-facial-cleansing-devices">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-dandruff-shampoos">The 5 Best Dandruff Shampoos</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-facial-masks">The 5 Best Facial Masks</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-flea-shampoos">The 5 Best Pet Flea Shampoos</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-shampoos-for-frizzy-hair">The 5 Best Shampoos for Frizzy Hair</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-anti-itch-creams">The 5 Best Anti-Itch Creams</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Shopping 5 best facial cleansing brushes facial cleansing devices product reviews shopping skin care Wed, 18 Oct 2017 08:00:13 +0000 Andrea Cannon 2038734 at http://www.wisebread.com 14 Smartphone Apps That Make Self-Care a Snap http://www.wisebread.com/14-smartphone-apps-that-make-self-care-a-snap <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/14-smartphone-apps-that-make-self-care-a-snap" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/morning_exercise_in_megacity.jpg" alt="Morning exercise in megacity" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Who has time for self-care these days? Whether our days are full of work or caring for family members, it's legitimately hard to find the time to prioritize our most basic needs. And while constant smartphone use is not known for being a healthy habit, our phones can make self-care a whole lot easier. Here are some apps that can help you unwind and take better care of your body throughout your busy day. (See also: <a href="http://www.wisebread.com/9-simple-acts-of-self-care-for-the-sandwich-generation?ref=seealso" target="_blank">9 Simple Acts of Self-Care for the Sandwich Generation</a>)</p> <h2>1. MyFitnessPal</h2> <p><a href="https://www.myfitnesspal.com/" target="_blank">MyFitnessPal</a> is one of the best food/exercise/hydration tracker apps out there. It has a massive food database to input your meals, and you can also add your own recipes and nutrition info. The app also helps you set goals for better rest, water intake, and weight loss. The best part, though, is that you can connect with friends to set up challenges or keep each other accountable. (See also: <a href="http://www.wisebread.com/6-apps-that-pay-you-to-workout?ref=seealso" target="_blank">6 Apps That Pay You to Workout</a>)</p> <h2>2. Yoga Studio</h2> <p>Not up for leaving the house, but still need to fit in a workout? Use <a href="http://www.yogastudioapp.com/" target="_blank">Yoga Studio</a> to get your sweat on. You can pick your level and the length of the class, or choose a class by instructor. The videos are beautiful and simple, and the app offers a free two-week trial to test before you buy. (See also: <a href="http://www.wisebread.com/5-things-yoga-can-teach-you-about-money?ref=seealso" target="_blank">5 Things Yoga Can Teach You About Money</a>)</p> <h2>3. Headspace</h2> <p><a href="https://www.headspace.com/" target="_blank">Headspace</a> is one of the most popular guided meditation apps out there. This will teach you how to meditate effectively. Headspace is designed for all levels of meditators, so you can use it and benefit from it even if you've never done it before. (See also: <a href="http://www.wisebread.com/6-ways-meditation-can-make-you-a-money-master?ref=seealso" target="_blank">6 Ways Meditation Can Make You a Money Master</a>)</p> <h2>4. Calm</h2> <p><a href="https://www.calm.com/" target="_blank">Calm</a> is another meditation app, but this one is specifically designed to help you decrease your anxiety and get better sleep. Follow guided meditations, learn to focus on your breathing, and you should feel better and rest easier.</p> <h2>5. Insight Timer</h2> <p><a href="https://insighttimer.com/" target="_blank">Insight Timer</a> is a free meditation app, although unlike Headspace, it is designed more for those who have meditated before. Follow guided meditations, track your progress, and meditate alone or with groups. (See also: <a href="http://www.wisebread.com/treat-yourself-with-these-7-free-self-care-routines?ref=seealso" target="_blank">Treat Yourself With These 7 Free Self-Care Routines</a>)</p> <h2>6. Breathing Zone</h2> <p>This app helps you slow and control the pace of your breathing for mindful meditation. <a href="http://www.breathing.zone/" target="_blank">Breathing Zone</a> offers a simple graphic that you can breathe along with to help you visualize the breaths leaving and entering your body. The app also analyzes your breathing rate, so you can see where you start and where you finish. (See also: <a href="http://www.wisebread.com/you-might-be-breathing-wrong-heres-what-you-should-do-instead?ref=seealso" target="_blank">You Might Be Breathing Wrong &mdash; Here's What You Should Do Instead</a>)</p> <h2>7. Acupressure: Heal Yourself</h2> <p>If you are stressed, anxious, or not sleeping well, acupressure may be able to help. The <a href="https://itunes.apple.com/us/app/acupressure-heal-yourself/id429680650?mt=8" target="_blank">Heal Yourself</a> app shows you the different pressure points that you can massage, and how to do it right. (See also: <a href="http://www.wisebread.com/5-ways-self-care-can-actually-save-you-money?ref=seealso" target="_blank">5 Ways Self Care Can Actually Save You Money</a>)</p> <h2>8. Start Stretching</h2> <p><a href="https://itunes.apple.com/us/app/start-stretching/id827568897?mt=8" target="_blank">Start Stretching</a> is another great how-to app for deep relaxation. If you are feeling tight, or that something isn't right in your body, stretching can instantly help you feel better. You will learn stretches associated with specific muscle groups and types of pain with this app. (See also: <a href="http://www.wisebread.com/10-easy-ways-to-work-stretching-into-your-daily-routine?ref=seealso" target="_blank">10 Easy Ways to Work Stretching Into Your Daily Routine</a>)</p> <h2>9. SleepBot</h2> <p><a href="https://mysleepbot.com/" target="_blank">SleepBot</a> is marketed as an alarm, but it actually tracks your sleep for you so it can wake you at the best time, based on your sleep cycles. It also tracks your sleep debt (how short you are on sleep) and will note or record any sounds above a certain level, so you can determine if you are snoring or talking in your sleep. (See also: <a href="http://www.wisebread.com/get-better-sleep-with-these-5-great-sleep-tracking-apps?ref=seealso" target="_blank">Get Better Sleep With These 5 Great Sleep-Tracking Apps</a>)</p> <h2>10. Sleep Cycle</h2> <p><a href="https://www.sleepcycle.com/how-it-works/" target="_blank">Sleep Cycle</a> is similar to SleepBot, though it doesn't track sleep debt or record sounds. It does, however, offer more in-depth charts of your sleep patterns. Try them both and see what works best for you.</p> <h2>11. Relax Melodies</h2> <p>If you struggle to fall asleep, <a href="https://www.ipnos.com/apps/relax-melodies/" target="_blank">Relax Melodies</a> can help. It offers all sorts of different sounds that you can play individually or combine into a set of sounds that will help you sleep. Choose everything from rain forest sounds to a binaural beat, and play your mix alongside a guided meditation. You can set a timer, too, so your mix doesn't play all night. (See also: <a href="http://www.wisebread.com/the-5-best-white-noise-machines?ref=seealso" target="_blank">The 5 Best White Noise Machines</a>)</p> <h2>12. Lumosity</h2> <p><a href="https://www.lumosity.com/" target="_blank">Lumosity</a> is free to start, and it exercises and trains your brain so it can function at a higher level. It takes your baseline, then offers you games and exercises to help your mind work better. As you go on in the program, some of the exercises do come with an extra cost. The designers work with scientists to make sure you are getting the best brain training out there to keep you mentally sharp into your golden years.</p> <h2>13. Gratitude Journal</h2> <p><a href="http://welovemojo.com/" target="_blank">Gratitude Journal</a> provides a place to note five things a day that you are grateful for. Since being grateful is supposed to make us happier and healthier, this app can help us achieve those goals. It's easy to use and lets you go back to see what you've been grateful for in the past, too. (See also: <a href="http://www.wisebread.com/7-ways-a-mindfulness-journal-can-fix-your-life?ref=seealso" target="_blank">7 Ways a Mindfulness Journal Can Fix Your Life</a>)</p> <h2>14. Happify</h2> <p><a href="https://my.happify.com/" target="_blank">Happify</a> provides you with games and activities to help you learn to control your thoughts and feelings, based on scientific research. This is called building resilience, and is key to feeling confident, competent, and in control of your life. You learn your initial happiness score, then participate in activities designed to raise that. You can track your happiness over time and learn what helps and what doesn't. (See also: <a href="http://www.wisebread.com/8-stress-relief-items-you-need-in-your-life-that-are-under-20?ref=seealso" target="_blank">8 Stress Relief Items You Need in Your Life That Are Under $20</a>)</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/14-smartphone-apps-that-make-self-care-a-snap">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-easy-ways-to-fix-your-whole-life-this-summer">11 Easy Ways to Fix Your Whole Life This Summer</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-surprising-health-benefits-to-growing-a-garden">6 Surprising Health Benefits of Growing a Garden</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ways-to-age-well-for-0">10 Ways to Age Well for $0</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-apps-that-pay-you-to-workout">6 Apps That Pay You to Workout</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-nutrition-labels-are-about-to-get-better">How Nutrition Labels Are About to Get Better</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Food and Drink Health and Beauty Technology exercise healthy eating healthy lifestyle healthy living apps meditation apps self-care self-care apps smartphone apps Tue, 17 Oct 2017 08:00:07 +0000 Sarah Winfrey 2037242 at http://www.wisebread.com 10 Ways to Age Well for $0 http://www.wisebread.com/10-ways-to-age-well-for-0 <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-ways-to-age-well-for-0" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/beautiful_female_portrait.jpg" alt="Beautiful female portrait" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Aging isn't easy &mdash; I'll be the first person to admit that &mdash; and to make matters worse, it also isn't cheap. To keep the years off your face and body like your favorite celebrities, you have to shell out a substantial amount of cash for trainers, nutritionists, supplements, surgeons, makeup, and more.</p> <p>Or do you?</p> <p>Certainly there are plenty of quick fixes you can buy to make you look and feel better, but there are also ways to retain your youth and keep a healthy body, mind, and spirit for free. Take a look.</p> <h2>1. Get enough rest</h2> <p>You hear all the time how getting enough sleep is essential to your well-being. It's also critical to preserving your youth; as studies suggest that <a href="https://www.sciencedaily.com/releases/2013/07/130723155002.htm" target="_blank">sleep deprivation is linked to aging skin</a>. A good night's sleep is so powerful, in fact, that scientists from a UC Berkeley study found that deep sleep patterns can help <a href="http://news.berkeley.edu/2017/04/05/deep-sleep-aging/" target="_blank">prevent mental and physical disorders</a> as you get older.</p> <p>On the surface, says Sleep Train sleep and wellness expert Parinaz Samimi, &quot;Recent studies demonstrated a correlation between inadequate sleep and accelerated aging of the skin where sleep-deprived participants displayed fine lines, uneven skin pigmentation, and diminished skin elasticity. For the sake of aging gracefully and not wasting thousands of dollars on products that don't work, investing in at least seven hours of shut eye could make all the difference &mdash; in your skin and your wallet.&quot; (See also: <a href="http://www.wisebread.com/3-ways-good-sleep-makes-you-wealthier?ref=seealso" target="_blank">3 Ways Good Sleep Makes You Wealthier</a>)</p> <h2>2. Sleep on your back</h2> <p>Despite that about 41 percent of the population prefers the fetal position when sleeping (because, duh, it's the most comfortable), sleeping on your back is the best way to go if you want to keep your face tight.</p> <p>&quot;If you sleep on your face or your side, you will be more likely to get positional wrinkles that become harder and harder to get rid of over time,&quot; according to Dr. Lara Devgan, a New York City-based board-certified plastic and reconstructive surgeon. &quot;In my plastic surgery practice, I can always tell which side of the face a person sleeps on because that side has more volume loss, deeper furrows, and poorer skin quality.&quot;</p> <h2>3. Sleep in the buff</h2> <p>Google the benefits of sleeping naked and you'll find plenty of results that'll have you slipping out of your skivvies before you sink into bed tonight. For instance, crawling under the covers nude helps decrease cortisol, increase hormone growth and balance melatonin &mdash; because your body is able to cool off more efficiently when disrobed &mdash; which leads to healthier, more restorative sleep and is proven to reduce anxiety, stress, and food cravings. So let it all out.</p> <h2>4. Talk with your hands and voice, not your face</h2> <p>I personally love people with faces full of expression, but all that grinning and wide-eyed wonder will eventually show on your skin.</p> <p>&quot;Minimizing gratuitous use of facial expressions, like frowning, furrowing the brows, and scrunching up the nose, will help keep years off your face,&quot; Dr. Devgan says. &quot;Wrinkles and deep facial furrows are caused by repeated use of facial muscles, so a serene and placid resting expression are great ways to keep the years off your face.&quot;</p> <p>I imagine it's difficult to train yourself not to express yourself with your eyes if that's part of your personality, and in that case, you should just accept your fate as a wrinkly old person who has told a million fantastic and enthusiastic stories.</p> <h2>5. Exercise regularly</h2> <p>You don't need a gym membership to get in a good workout (the world around you can be your fitness center), and studies have suggested that exercise helps slow the aging of skin, among other health benefits, like increasing your libido, making your heart more efficient, and improving blood flow. If you need more motivation to break a sweat without paying a membership fee, go for a jog outside, download a free exercise app, or try free videos on YouTube. (See also: <a href="http://www.wisebread.com/7-online-workout-videos-for-free-or-cheap?ref=seealso" target="_blank">7 Online Workout Videos for Free or Cheap</a>)</p> <h2>6. Avoid smoking</h2> <p>It costs zero dollars to abstain from smoking, which is an awesome thing since not smoking can't kill you. There are so many negative effects of puffing on cigs regularly, the most visible of which include loose skin under the eyes, uneven skin tone from oxygen deprivation, deep lines around the lips, age spots, damaged teeth and gums, stained fingers, hair loss (smoking can accelerate this genetic defect), and a greater risk of psoriasis. (See also: <a href="http://www.wisebread.com/heres-how-rich-youd-be-if-you-stopped-smoking?ref=seealso" target="_blank">Here's How Rich You'd Be If You Stopped Smoking</a>)</p> <h2>7. Seek the shade</h2> <p>Sun exposure is responsible for most of the visible aging on your skin, so it's important to limit yourself without the use of sunscreen. That costs money, of course, so in the spirit of this zero-dollar goal, I also recommend wearing hats and eyewear, sitting in the shade, and using umbrellas while at the beach.</p> <h2>8. Decrease sugar consumption</h2> <p>Sugar is my weakness. Well, one of them. And I try my darndest to limit my candy and cake intake because I don't want to be unhealthy. I'm not gettin' any younger, after all.</p> <p>&quot;Sugar can be considered to be the scourge of our declining health, contributing to obesity, cardiovascular disease, diabetes, and, yes, even accelerated aging,&quot; Samimi explains. &quot;More often than not, people are encouraged to quit sugar for the purpose of whittling their waistline, unaware of the effects it has on our skin. Over-consuming sugar can result in wrinkles, damaging the collagen and elastin fibers that contribute to our skin's firmness and elasticity. The British Journal of Dermatology demonstrated an increase in wrinkles and sagging skin, which became evident in people age 35 who consumed more than the recommended amount of sugar.&quot;</p> <p>On a more positive note, it's never too late to make healthy changes. It may not undo the damage, but you'll slow down the progression.</p> <h2>9. Treat your hands and neck the way you treat your face</h2> <p>We all have grooming routines with our products of choice, but you can use those products in areas you might be neglecting.</p> <p>&quot;The neck and backs of the hands tend to show age much faster than the rest of the body, so treating these areas with your skin creams and SPFs is a helpful way to mitigate that effect,&quot; Dr. Devgan says.</p> <h2>10. Keep your mind sharp</h2> <p>I thought that playing brain games contributed to mental sharpness (and they do, though they target very specific cognitive abilities), but your best bet for keeping your mind in tiptop shape for the long haul requires social interaction, learning a new language, and visits to &quot;intellectually invigorating places&quot; like <a href="http://time.com/3423009/brain-games-keep-my-mind-sharp/" target="_blank">museums and cultural centers</a>, according to Dr. Karen Li, head of Concordia University. Lucky for us, all of this is mostly available for free no matter where you live.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F10-ways-to-age-well-for-0&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F10%2520Ways%2520to%2520Age%2520Well%2520for%25200%2520Dollars.jpg&amp;description=10%20Ways%20to%20Age%20Well%20for%200%20dollars"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/10%20Ways%20to%20Age%20Well%20for%200%20Dollars.jpg" alt="10 Ways to Age Well for $0" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/10-ways-to-age-well-for-0">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/14-smartphone-apps-that-make-self-care-a-snap">14 Smartphone Apps That Make Self-Care a Snap</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-resistance-bands">The 5 Best Resistance Bands</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/36-workouts-you-can-do-in-your-living-room-while-its-cold-out">36 Workouts You Can Do in Your Living Room While It&#039;s Cold Out</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/fitness-for-people-who-hate-exercise">Fitness For People Who Hate Exercise</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-new-years-resolutions-your-pet-wants-you-to-make">4 New Year&#039;s Resolutions Your Pet Wants You to Make</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Lifestyle aging anti-aging products exercise fountain of youth getting older healthy eating healthy habits Fri, 06 Oct 2017 09:00:06 +0000 Mikey Rox 2031344 at http://www.wisebread.com 5 Common Medicare Myths, Debunked http://www.wisebread.com/5-common-medicare-myths-debunked <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-common-medicare-myths-debunked" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/medicare_application_form_with_stethoscope.jpg" alt="Medicare application form with stethoscope" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There is no larger health insurance program in the United States than Medicare. According to the Centers for Medicare &amp; Medicaid Services, more than 57 million people were receiving health benefits through the program as of March 2017.</p> <p>But just because millions are on Medicare doesn't mean that most people, especially those who have yet to hit 65, understand how this government program works. Most people instead believe several easily debunked myths about what Medicare does, how financially healthy it is, and what it doesn't do.</p> <h2>1. Medicare won&rsquo;t be around for me</h2> <p>You might worry that Medicare won't be around to cover your health care needs by the time you retire. Here's some good news: Medicare is not broke ... yet.</p> <p>The Medicare program had about $200 billion in reserves at the end of 2015. So the program does have money.</p> <p>There is some concern, though. Medicare is projected to run a surplus every year through 2020, when a growing number of Baby Boomers will start retiring. This means that Medicare will then run at an annual deficit beginning in 2021. If nothing is done to prevent this, the program will exhaust its reserves by the year 2028.</p> <p>That will be a big problem if it is allowed to happen. There are possible solutions, though, even though they will require some financial pain. The most obvious one would be to raise Medicare taxes. That won't make anyone happy, but it is the simplest way to ensure that Medicare does have enough dollars to cover all of its beneficiaries.</p> <h2>2. There's only one type of Medicare</h2> <p>Medicare is a complicated system. In fact, there are actually <em>four </em>types of Medicare coverage.</p> <p>Medicare Part A and Part B are part of what is known as original Medicare. Medicare Part A, known as hospital insurance, covers inpatient care received at hospitals and nursing facilities. Part B covers services and supplies that you need to treat health conditions. This part of Medicare covers outpatient care, preventive services, ambulance rides, and medical equipment.</p> <p>Medicare Part C is a bit more complicated: It's the part of the program that makes it possible for private health insurance companies to provide Medicare private health plans &mdash; in the form of HMOs and PPOs &mdash; known as Medicare Advantage Plans. You can elect to receive your medical benefits through a combination of Medicare Part A and Medicare Part B or from one of these private Advantage Plans. (See also: <a href="http://www.wisebread.com/8-tips-for-getting-the-most-out-of-your-medicare-plan?ref=seealso" target="_blank">8 Tips for Getting the Most Out of Your Medicare Plan</a>)</p> <p><a href="http://www.wisebread.com/how-to-compare-medicare-part-d-plans-a-beginner-s-guide" target="_blank">Medicare Part D</a> subsidizes the cost of your prescription drugs. This part of the program is often referred to as the Medicare prescription drug benefit.</p> <h2>3. You'll never have to pay for health insurance once you're on Medicare</h2> <p>Medicare will cover much of your health insurance needs. But there are some costs that you'll still need to cover on your own.</p> <p>For instance, Medicare does come with deductibles that you must pay before the insurance kicks in. These deductibles can change each year. For 2017, Medicare Part A comes with a $1,316 deductible per benefit period for your hospital stays. This means that if you do end up in the hospital, you'll have to pay this amount out of your own savings before Medicare will cover the rest of your expenses.</p> <p>Medicare Part B has a deductible of $183 for 2017. Again, you'll have to pay this amount before your Medicare coverage kicks in. And even after Part B coverage begins, you'll still have a copay. Medicare Part B generally covers 80 percent of your medical services. You'll have to cover the remaining 20 percent of these costs on your own.</p> <p>There are also coinsurance payments. If you must stay in a hospital for more than 60 days, you'll have to make a coinsurance payment for your Medicare Part A benefits.</p> <h2>4. Medicare covers all my medical needs</h2> <p>There are some medical services that Medicare does not provide any coverage for. Unfortunately, these services aren't exactly frivolous ones.</p> <p>Medicare does not provide dental coverage. It also doesn't pay for vision examinations for glasses. You can't rely on Medicare to cover the costs of dentures or hearing aids. And if you need long-term care, Medicare again won't provide coverage.</p> <p>You can purchase specialized insurance programs to cover these medical expenses. But you'll have to pay for the plans on your own. (See also: <a href="http://www.wisebread.com/is-long-term-care-insurance-worth-it?ref=seealso" target="_blank">Is Long Term Care Insurance Worth It?</a>)</p> <h2>5. I won't have to pay any premiums for Medicare</h2> <p>Most people won't pay any monthly premiums for their Medicare Part A coverage. That's the good news. The bad news? You will pay a monthly premium for Medicare Part B.</p> <p>As of 2017, the Part B premium stood at $134 a month. Medicare, though, says that most people who get Social Security benefits pay less than that, for an average monthly premium of $109. This premium is usually deducted directly from your Social Security benefits. You won't be writing a check each month, but you'll still be paying for that Part B coverage.</p> <p>You'll also have to pay a premium each month if you elect to sign up for a Medicare Part C plan. These premiums will vary depending on your plan. Medicare Part D comes with a monthly premium, too, though this will vary according to your specific plan.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F5-common-medicare-myths-debunked&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F5%2520Common%2520Medicare%2520Myths%252C%2520Debunked.jpg&amp;description=5%20Common%20Medicare%20Myths%2C%20Debunked"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/5%20Common%20Medicare%20Myths%2C%20Debunked.jpg" alt="5 Common Medicare Myths, Debunked" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dan-rafter">Dan Rafter</a> of <a href="http://www.wisebread.com/5-common-medicare-myths-debunked">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-one-question-you-need-to-answer-to-choose-the-best-health-care-plan">The One Question You Need to Answer to Choose the Best Health Care Plan</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/health-insurance-how-to-fight-back-against-4-common-claim-denials">Health Insurance: How to Fight Back Against 4 Common Claim Denials</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/women-pay-more-for-health-care-heres-how-to-pay-less">Women Pay More for Health Care — Here&#039;s How to Pay Less</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-the-self-employed-can-cut-health-care-costs">How the Self Employed Can Cut Health Care Costs</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/why-your-group-life-insurance-is-not-enough">Why Your Group Life Insurance Is Not Enough</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Insurance coverage deductibles health care medical medicare myths premiums retirement social security Thu, 05 Oct 2017 08:00:06 +0000 Dan Rafter 2030973 at http://www.wisebread.com How the Self Employed Can Cut Health Care Costs http://www.wisebread.com/how-the-self-employed-can-cut-health-care-costs <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-the-self-employed-can-cut-health-care-costs" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/medical_costs.jpg" alt="Medical Costs" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When you run your own business, times like the present &mdash; when there is a lot of uncertainty about health care policy &mdash; can be challenging. Many self-employed Americans are already struggling to pay for insurance and medical costs. And it's hard to predict whether your premiums or out-of-pocket costs will rise substantially in the near future.</p> <p>So how do you insulate yourself? There isn't an easy answer, as I found during the roughly 10-year period when my husband and I were both freelancers raising four children in New Jersey, a very high-cost state when it comes to health care. (Last fall, he went in-house with a client, so now we get our health care through his job.) This is what worked for us.</p> <h2>Opt for a high-deductible plan with a health savings account</h2> <p>When it comes to health insurance, many people prefer plans that cover most of their out-of-pocket costs &mdash; such as a preferred provider organization (PPO) plan. Unfortunately, the premiums for these tend to be extremely high. For us, enrolling in a PPO plan would have been like taking on a second mortgage. (See also: <a href="http://www.wisebread.com/the-one-question-you-need-to-answer-to-choose-the-best-plan-on-the-health-care-marketplace?ref=seealso" target="_blank">The One Question You Need to Answer to Choose the Right Health Care Plan</a>)</p> <p>If you don't use a lot of medical care, you may find yourself over-insured with a PPO plan. Generally, if you're self-employed, the most affordable option is a high-deductible health care plan (HDHP), which allows you to open and use a <a href="http://www.wisebread.com/how-an-hsa-saves-you-money?ref=internal" target="_blank">health savings account (HSA)</a>.</p> <p>The premiums for an HDHP tend to be lower than those for a PPO plan. Like most health care plans, an HDHP will completely cover preventive health services such as routine physicals and vaccinations &mdash; meaning you don't pay anything. However, there's a catch. Outside of preventive care, with a high-deductible plan you need to pay a certain dollar amount of medical costs &mdash; your deductible &mdash; before the plan starts covering your medical expenses. Often the deductible for an HDHP is thousands of dollars.</p> <p>A health savings plan can help you save for those medical costs in a tax-advantaged account, which is only available to people who have an HDHP. To use a health savings plan, your insurance plan's annual deductible in 2017 must be at least $1,300 if you're an individual, or $2,600 per year for a family plan (these numbers are adjusted every year).</p> <p>Putting that money into a health savings account on a pretax basis can reduce your taxable income. Because this helps cut your tax bill, there are, of course, limits to how much you can contribute ($3,400 for yourself only, or $6,750 for a family plan). You can use the money you put into the HSA to pay your medical expenses with a special debit card or checkbook you get when you open the account. The IRS publishes a <a href="https://www.irs.gov/pub/irs-pdf/p502.pdf" target="_blank">list of expenses you can use an HSA for</a>. (See also: <a href="http://www.wisebread.com/10-reasons-an-hsa-is-actually-worth-having?ref=seealso" target="_blank">10 Reasons an HSA Is Actually Worth Having</a>)</p> <p>To be sure, it is not easy to come up with the money to fund an HSA, especially if you are a freelancer with uneven income. We have funded ours by cutting down on extras. Sometimes making a small change, like switching to a better mobile phone plan, can make a difference. Even if you can only put in a quarter of the amount you're allowed and gradually increase the amount you contribute each year, you'll be further ahead than if you don't put anything into an HSA.</p> <h2>Get second opinions and shop around</h2> <p>There have been many cases over the years where the medical community has revised evidence-based recommendations as new information has become available for treating particular conditions. Given that reality, I've realized that there are many gray areas in medicine and have taken time to get second opinions any time a family member is advised to get a test or treatment that comes with risks or could be very costly. Sometimes, the doctor giving me a second opinion will suggest a way to tackle a problem using a simpler, less expensive solution that I haven't considered.</p> <p>I've found that functional medicine doctors can be fantastic allies in this respect. These MDs tend to be oriented toward finding the root cause of a problem so you can eliminate it, rather than simply treating the symptoms. Some don't take insurance, but there are a few who do, so it's worth asking health-oriented friends if they know one.</p> <p>Sometimes, it's even possible to shop around for medical procedures, despite the general lack of transparency in U.S. health care costs. I haven't personally used it, but the site <a href="https://www.mdsave.com/" target="_blank">MDsave</a>, which one entrepreneur highly recommended to me, allows you to compare prices and pay for medical procedures in advance at prearranged prices. There are also a number of other websites that let you compare medical costs.</p> <h2>Live a healthy lifestyle</h2> <p>None of us has total control over our health, but by doing what you can to eat well and stay fit, you can at least reduce your chances of developing health problems that have a lifestyle component or mitigate the harm they cause if you already have developed one.</p> <p>Many chronic conditions can be very costly, as a recent survey by the International Foundation of Employee Benefit Plans pointed out. Employers who completed the survey said the number one condition impacting their medical costs was diabetes, cited by 41 percent of respondents. Obesity, heart disease, and hypertension/high blood pressure were also among the top 10 medical costs.</p> <p>Two simple things you can do to stack the odds in favor of staying healthy, without any added expense, are buying fresh, unprocessed foods and preparing your food at home as often as you can. When you eat a lot of prepared frozen foods or eat out all the time, it's hard to avoid unhealthy ingredients, unless you can afford the highest-end options. (See also: <a href="http://www.wisebread.com/are-meal-prep-subscription-boxes-worth-it?ref=seealso" target="_blank">Are Meal Prep Subscription Boxes Worth It?</a>)</p> <p>The less-is-more approach can work with fitness, too. Instead of waiting for that perfect day when you can afford to sign up for a CrossFit or Barre class and do it regularly, find some type of enjoyable physical activity that is available to you now, whether that's taking a yoga class at your YMCA, going for a walk or jog around your neighborhood, or playing actively with your kids. And if you participate in an activity that gets you away from your computer, you'll probably meet some new friends, too, which is another good way to reduce stress. (See also: <a href="http://www.wisebread.com/10-lifestyle-changes-that-will-always-pay-off?ref=seealso" target="_blank">10 Lifestyle Changes That Will Always Pay Off</a>)</p> <p>These steps do take some effort, but they can pay off in lower health care costs. That's a big benefit if you're paying for your premiums and medical bills on your own.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-the-self-employed-can-cut-health-care-costs&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520the%2520Self%2520Employed%2520Can%2520Cut%2520Health%2520Care%2520Costs.jpg&amp;description=How%20the%20Self%20Employed%20Can%20Cut%20Health%20Care%20Costs"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20the%20Self%20Employed%20Can%20Cut%20Health%20Care%20Costs.jpg" alt="How the Self Employed Can Cut Health Care Costs" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/elaine-pofeldt">Elaine Pofeldt</a> of <a href="http://www.wisebread.com/how-the-self-employed-can-cut-health-care-costs">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-surprising-things-your-hsa-will-cover">11 Surprising Things Your HSA Will Cover</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-vital-things-to-remember-when-buying-health-insurance">5 Vital Things to Remember When Buying Health Insurance</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-common-medicare-myths-debunked">5 Common Medicare Myths, Debunked</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-reasons-an-hsa-is-actually-worth-having">10 Reasons an HSA Is Actually Worth Having</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-one-question-you-need-to-answer-to-choose-the-best-health-care-plan">The One Question You Need to Answer to Choose the Best Health Care Plan</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entrepreneurship Health and Beauty Insurance freelancers hdhp health care health savings accounts healthy living high deductible plans HSA medical care PPO self employed small business owners Tue, 03 Oct 2017 08:30:11 +0000 Elaine Pofeldt 2028483 at http://www.wisebread.com Flashback Friday: 74 Easy Ways to Reduce Stress http://www.wisebread.com/flashback-friday-74-easy-ways-to-reduce-stress <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-74-easy-ways-to-reduce-stress" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_relaxing_grass_544106630.jpg" alt="Woman finding easy ways to reduce stress" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Stress is a natural part of the human experience. There's really no way to prevent it altogether, but finding ways to manage stress and reduce it are paramount to leading a healthy and productive life. Here are 74 easy ways to keep stress from ruining your day.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman_work_meditating_468693435.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/7-ways-to-stay-calm-in-stressful-moments?ref=fbf" target="_blank">7 Ways to Stay Calm in Stressful Moments</a> &mdash; It might sound strange to practice breathing, as it's something you do without thinking in order to stay alive, but taking some time each day to focus on breathing deeply can drastically reduce your stress levels. This also prepares you for extremely stressful moments, as it'll feel second-nature to react with slow and deep breaths to remain calm.</p> <p><a href="http://www.wisebread.com/10-ways-to-relieve-your-money-stress?ref=fbf" target="_blank">10 Ways to Relieve Your Money Stress</a> &mdash; Money stress can be a bear. The bills keep piling up and obsessing over how you're going to get out of a debt hole can make you feel like you're suffocating. These simple strategies will help you escape that money stress, because after all, money isn't everything.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock-618976344.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/8-stress-relief-items-you-need-in-your-life-that-are-under-20?ref=fbf" target="_blank">8 Stress Relief Items You Need in Your Life That Are Under $20</a> &mdash; Sometimes all it takes to push the stress away is giving yourself a treat. These affordable stress relief items will not only fit your budget, but they'll also brighten your mood.</p> <p><a href="http://www.wisebread.com/beat-stress-with-these-28-inexpensive-pastimes?ref=fbf" target="_blank">Beat Stress With These 28 Inexpensive Pastimes</a> &mdash; If you'd rather make some memories, rather than buy tangible things, these stress-relieving activities are what you've been looking for. It can be as easy as heading outside, breathing in the fresh air, and spending time with your favorite people. Instant mood boost!</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock_73912007_LARGE_0.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/8-ways-to-turn-your-stress-into-money?ref=fbf" target="_blank">8 Ways to Turn Your Stress Into Money</a> ― Another great way to battle stress is to turn it into cold hard cash. It's true that money can't buy happiness, but sometimes, it can definitely bring you peace.</p> <p><a href="http://www.wisebread.com/13-cheap-ways-to-beat-stress?ref=fbf" target="_blank">13 Cheap Ways to Beat Stress</a> &mdash; Stress relief shouldn't have to cost you an arm and a leg. Keeping your mind healthy is as important as keeping the rest of your body healthy. And until mental health care is free, these budget-friendly stress relievers will help put your mind at ease.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-74-easy-ways-to-reduce-stress">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-84-frugal-ways-to-eliminate-stress">Flashback Friday: 84 Frugal Ways to Eliminate Stress</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-38-ways-to-get-more-sleep-tonight">Flashback Friday: 38 Ways to Get More Sleep Tonight</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/treat-yourself-with-these-7-free-self-care-routines">Treat Yourself With These 7 Free Self-Care Routines</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-119-best-fitness-hacks-for-busy-people">Flashback Friday: The 119 Best Fitness Hacks for Busy People</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-keep-anxiety-from-ruining-your-budget">5 Ways to Keep Anxiety From Ruining Your Budget</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Lifestyle anxiety fbf flashback friday how to relax mental health relaxation self-care stress free Fri, 22 Sep 2017 08:30:06 +0000 Chrissa Hardy 2024818 at http://www.wisebread.com 7 Things You Need to Know About Pet Insurance http://www.wisebread.com/7-things-you-need-to-know-about-pet-insurance <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-things-you-need-to-know-about-pet-insurance" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/This_is_not_a_chew_toy.jpg" alt="This isn&#039;t a chew toy" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Do you need pet insurance? That depends. It can mean life or death for your pet if they experience a major medical issue &mdash; especially an expensive one that requires hospitalization or emergency surgery &mdash; but it can seem like an unnecessary monthly expense if you're paying into the plan and not using it. To make a decision whether pet insurance is right for you, here are a few things you should know. (See also: <a href="http://www.wisebread.com/is-pet-health-insurance-worth-it?ref=seealso" target="_blank">Is Pet Health Insurance Worth It?</a>)</p> <h2>1. There are three types of pet health coverage</h2> <p>Most pet insurance companies break down coverage into three categories. The lowest tier is an accident-only plan, which only covers accidents and emergencies, like if your dog gets hurt by another dog at the park. This coverage does not include any hereditary issues or serious health conditions. Conversely, there's a wellness plan, which doesn't include anything that the accident-only plan includes, but rather focuses on wellness and routine care, like annual exams, dental cleanings, and routine medications, like heartworm and flea-and-tick prevention.</p> <p>Two plans that don't overlap anywhere kind of force pet parents into the all-encompassing third option, and that's where the more expensive, major medical plans come in.</p> <p>More than 90 percent of all pet insurance plans purchased are in this category, according to PetInsuranceQuotes.com, which helps users compare coverage and prices among leading providers. It's likely major medical plans are so popular because they cover everything <em>except</em> wellness and routine care. Accidents, illnesses, cancer, orthopedic issues, hereditary conditions, and prescription meds are under the veil of these plans, the price of which is mostly determined by the breed of pet you have.</p> <h2>2. Pet insurance can help you avoid major debt</h2> <p>For many pet parents, putting an animal down when an expensive health issue strikes just isn't an option. They'll use any means possible to come up with the money to keep their pet alive. Using money from your emergency fund if it's readily available is one thing, but putting the bill on a credit card when money is already tight just isn't smart.</p> <p>Pet insurance, however, can eliminate that issue altogether. You'll pay a small amount each month so you don't have to experience even greater stress about your finances when your pet is in the hospital. The premium is probably worth the peace of mind. (See also: <a href="http://www.wisebread.com/5-pet-costs-you-dont-see-coming?ref=seealso" target="_blank">5 Pet Costs You Don't See Coming</a>)</p> <h2>3. Having coverage could mean saving your pet's life</h2> <p>When I first moved to Manhattan, barely able to pay my bills, my husband wanted a dog. I was dead-set against it, but his continued pleas caused me to cave, and before I knew it, we had a rambunctious puppy.</p> <p>Fast forward to a year-and-a-half later, still struggling to make ends meet, and our dog Jaxon is rushed to the hospital with a respiratory infection that cost about $8,000. There was a brief period of time when we weren't sure if our pet insurance would cover the cost of treatment &mdash; or how much we would have to spend out-of-pocket &mdash; and we had to make a tough decision. It was a quick decision. We could afford up to $3,000 in out-of-pocket expenses and nothing more; otherwise we would have to say our goodbyes. Thankfully we didn't have to, because the little bugger is still my best bud. Pet insurance saved Jaxon's life that day, and it could very well save your pet's life, too. (See also: <a href="http://www.wisebread.com/6-pet-expenses-you-should-never-skip?ref=seealso" target="_blank">6 Pet Expenses You Should Never Skip</a>)</p> <h2>4. Age plays an important part in the coverage you'll get</h2> <p>It's important to enroll your pet while they're young and healthy enough to get the best coverage at the lowest price. No pet insurance provider will cover pre-existing conditions, which makes getting coverage as the pet ages tougher and more expensive, if possible at all.</p> <p>&quot;If your pet is a senior and/or has pre-existing conditions, you may want to consider the accident-only plan,&quot; says Chris Middleton, president of Pets Best, a leading pet insurance provider. &quot;Or get the accident-only plan and add routine care to it.&quot;</p> <p>I decided to end major medical coverage on Jaxon because he doesn't go anywhere that he'll get hurt and he hasn't had any major medical issues for years; that level of insurance was becoming an expense that wasn't worth it. He's also getting up there in age, and at some point I have to let nature take its course. For now, he's happy, healthy, and we're enjoying life together.</p> <h2>5. Your pet's breed will influence coverage and cost</h2> <p>Some pet breeds are more prone to hereditary conditions and medical issues than others, which will affect the price you'll pay for pet insurance right off the bat. For example, you can expect to pay an average of $45 a month for a Labrador retriever versus $53 a month for an English bulldog, according to PetInsuranceQuotes.com. Both of these breeds come with their own set of hereditary issues that can be expensive to treat, which affect prices. If you know you want pet insurance but haven't found the perfect pet yet, it's worth researching insurance premiums based on breed; it may inform your decision on what breeds to focus on and which to avoid. (See also: <a href="http://www.wisebread.com/8-ways-to-lower-your-vet-bills?ref=seealso" target="_blank">8 Ways to Lower Your Vet Bills</a>)</p> <h2>6. Find the coverage that works best for your pet and your wallet</h2> <p>To get the most for your pet insurance price, look for a provider that covers the largest portion of your veterinary bill, coverage for congenital and hereditary conditions, and has no limits to the amount they will pay out.</p> <p>&quot;Choose a deductible that fits your budget and how they are applied,&quot; adds pet insurance provider Trupanion. &quot;Deductibles can help you control your premiums while making sure you see coverage before you hit your budget limit.&quot;</p> <h2>7. Pet insurance usually works on a reimbursement model</h2> <p>Pet insurance is a reimbursement model, meaning the pet owner pays their bill at the veterinarian (and often you must pay it in full before your pet is allowed to leave the facility), then submit the proof of payment to the provider for reimbursement. You should research the company's options for submitting claims before choosing a provider, advises Middleton.</p> <p>&quot;Since pet insurance is a reimbursement model, getting your money back quickly is one of the most important features,&quot; Middleton says. &quot;It's also important to look at how they will reimburse you. Some companies will only cut a check to pay your claim; so you have to factor in the time to cut the check, get it mailed to you, then deposit it.&quot;</p> <p>Direct-deposit reimbursement also is available at some providers.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F7-things-you-need-to-know-about-pet-insurance&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F7%2520Things%2520You%2520Need%2520to%2520Know%2520About%2520Pet%2520Insurance.jpg&amp;description=7%20Things%20You%20Need%20to%20Know%20About%20Pet%20Insurance"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/7%20Things%20You%20Need%20to%20Know%20About%20Pet%20Insurance.jpg" alt="7 Things You Need to Know About Pet Insurance" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/7-things-you-need-to-know-about-pet-insurance">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-pet-expenses-you-should-never-skip">6 Pet Expenses You Should Never Skip</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-lower-your-vet-bills">8 Ways to Lower Your Vet Bills</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-personal-finance-tips-for-animal-lovers">7 Personal Finance Tips for Animal Lovers</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-flea-shampoos">The 5 Best Pet Flea Shampoos</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-unexpected-dog-costs-you-should-prepare-for-now">5 Unexpected Dog Costs You Should Prepare for Now</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Health and Beauty cats dogs health care pet care pet insurance pet owner pets vet bills veterinary bills Fri, 15 Sep 2017 08:30:11 +0000 Mikey Rox 2020340 at http://www.wisebread.com Best Money Tips: 5 Exercises That Boost Your Mood http://www.wisebread.com/best-money-tips-5-exercises-that-boost-your-mood <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-5-exercises-that-boost-your-mood" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_running_treadmill_624193286.jpg" alt="Woman running to boost her mood" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found articles on the best exercises to increase endorphins, the most expensive mistake a millennial can make, and how to increase your productivity in a co-working space.</p> <h2>Top 5 Articles</h2> <p><a href="http://productivitytheory.com/5-best-exercises-increase-endorphins/">5 of the Best Exercises to Increase Endorphins</a> &mdash; High-intensity interval training is the best kind of exercise for boosting your mood. [Productivity Theory]</p> <p><a href="https://blog.mint.com/investing/the-most-expensive-millennial-mistake-and-how-to-fix-it-091417/">The Most Expensive Millennial Mistake (and How to Fix It)</a> &mdash; Millennials know the importance of saving, but investing may not be on their radar. [MintLife]</p> <p><a href="https://www.dumblittleman.com/coworking-space/">How to Increase Your Productivity in a Co-working Space</a> &mdash; Visual noise, like a cluttered table or busy streets, can be just as distracting as audio noise. Give yourself a view with clean, straight lines to help you focus. [Dumb Little Man]</p> <p><a href="https://www.moneytalksnews.com/10-plants-for-happier-healthier-home/#at_pco=cfd-1.0">10 Plants for a Happier, Healthier Home</a> &mdash; All the houseplants on this list can clean the air, and some offer other benefits like moisturizing your skin and improving sleep. [Money Talks News]</p> <p><a href="https://www.popsugar.com/smart-living/Ways-Think-Positively-44002931">21 Ways to Think Positively Every Day</a> &mdash; Keep negative thoughts at bay by avoiding their triggers. [PopSugar Smart Living]</p> <h2>Other Essential Reading</h2> <p><a href="https://shebudgets.com/lifestyle/bath-beauty/makeup-savings/71057">Common Makeup Mistakes that Cost Women Big Bucks</a> &mdash; The nicest makeup brushes won't do you any good if you don't clean them at least once a week. Dirty brushes are less effective and, even worse, they can cause you to break out. [SheBudgets]</p> <p><a href="https://www.thesimpledollar.com/seven-strategies-for-efficient-hobby-and-entertainment-spending/">Seven Strategies for Efficient Hobby and Entertainment Spending</a> &mdash; Recognize when some time-intensive hobbies may need to take a back seat in your life. [The Simple Dollar]</p> <p><a href="http://moneyminiblog.com/business/proofreading-your-resume/">8 Tips For Proofreading and Perfecting Your Resume</a> &mdash; If you're using hyperlinks in a digital version of your resume, remember to click on the link and make sure works properly. [MoneyMiniBlog]</p> <p><a href="https://www.lifeoptimizer.org/2017/09/14/fear-of-success/">8 Reasons a Fear of Success, Not Failure, Is Holding You Back</a> &mdash; Odds are, success will bring on more responsibilities, and that can be scary. [Life Optimizer]</p> <p><a href="http://www.positivityblog.com/action-every-day/">How to Take Action Every Day: 5 Powerful Habits</a> &mdash; When you're working on something, whether it's writing or working out, focus only on the process. Don't think about the results. [The Positivity Blog]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-5-exercises-that-boost-your-mood">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ways-to-age-well-for-0">10 Ways to Age Well for $0</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-wonderful-uses-for-witch-hazel">15 Wonderful Uses for Witch Hazel</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/where-to-find-free-or-cheap-yoga-classes">Where to Find Free or Cheap Yoga Classes</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-common-medicare-myths-debunked">5 Common Medicare Myths, Debunked</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-cheap-ways-to-lower-your-blood-sugar">13 Natural and Easy Ways to Lower Your Blood Sugar</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty best money tips exercises Fri, 15 Sep 2017 08:00:07 +0000 Amy Lu 2021052 at http://www.wisebread.com 10 Ways to Relieve Your Money Stress http://www.wisebread.com/10-ways-to-relieve-your-money-stress <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-ways-to-relieve-your-money-stress" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_grass_music_471950448.jpg" alt="Woman relieving her money stress" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Money is a big part of our lives. It's involved in almost all of our daily interactions, in one way or another. But money is also a big cause of stress. In fact, it's the <a href="http://www.apa.org/news/press/releases/2015/02/money-stress.aspx" target="_blank">leading cause of stress</a>, according to a 2015 survey conducted by the American Psychological Association. You can't avoid dealing with money, but you can learn how to de-stress with these doable methods.</p> <h2>Where is this financial stress coming from?</h2> <p>Stress about money is greater if you're facing a financial crisis or living in a lower-income household. However, you may have plenty of money and still feel significant stress. That's because the <a href="http://view.ceros.com/ubs/investor-watch-treadmill/p/3" target="_blank">underlying cause of financial stress</a>, even for millionaires, is fear: either fear of not having enough money, or of doing the wrong thing with the money you do have and losing it all. Fear affects all of us, which means that no one is immune to financial stress.</p> <h2>What is stress doing to you?</h2> <p>While stress can have some <a href="https://www.sciencedaily.com/releases/2016/11/161114115346.htm" target="_blank">unexpected positive effects</a>, such as motivating you to save more money, the overall impact is negative. Financial stress is associated with&nbsp;<a href="https://search.proquest.com/openview/56c30fe9789aea1d19e18d668beb19ea/1?pq-origsite=gscholar&amp;cbl=38873" target="_blank">absenteeism at work</a>,&nbsp;<a href="http://theses.lib.vt.edu/theses/available/etd-4198-155242/" target="_blank">and lowered productivity</a> and performance at work. In addition, financial stress could actually be&nbsp;<a href="https://www.scientificamerican.com/article/financial-stress-hurts-literally/" target="_blank">causing you physical pain</a>. (See also: <a href="http://www.wisebread.com/4-ways-stress-is-killing-your-finances?ref=seealso" target="_blank">4 Ways Stress Is Killing Your Finances</a>)</p> <h2>How to effectively de-stress</h2> <p>Financial stress is basically an unavoidable part of life. That's the bad news. The good news, however, is that you can learn how to reduce and manage the stress you experience with these easy methods. (See also: <a href="http://www.wisebread.com/7-ways-to-stay-calm-in-stressful-moments?ref=seealso" target="_blank">7 Ways to Stay Calm in Stressful Moments</a>)</p> <h3>1. Talk it out</h3> <p>One of the easiest, fastest, and best ways to reduce the stress you feel is simply to <a href="http://www.apa.org/news/press/releases/2015/02/money-stress.aspx" target="_blank">get emotional support from someone</a> you know and trust. It can be as simple as a text or phone call to talk about what's stressing you out. Opening up with trusted friends or family leads to reduced stress and helps you feel like you're not alone. Bonus: you may also benefit from tips and good advice you receive.</p> <h3>2. Create art</h3> <p>Break out the paint, the markers, or just write. Really, the kind of art you make doesn't matter. It's the time and attention spent making art that does. Making art has been shown to significantly reduce cortisol, which is a hormone associated with stress. In various studies, <a href="http://www.tandfonline.com/doi/full/10.1080/07421656.2016.1166832" target="_blank">45 minutes to an hour of art making</a> left people feeling more relaxed, stress-free, and able to concentrate.</p> <h3>3. Meditate</h3> <p>Mindfulness in any form is good for reducing stress, and meditation may be the most powerful method for improving mindfulness in your life. There are many different types of meditation you can do, and any of them can help you focus on the present, reduce negative emotions, gain perspective, and manage symptoms of depression and tension headaches. (See also: <a href="http://www.wisebread.com/6-ways-meditation-can-make-you-a-money-master?ref=seealso" target="_blank">6 Ways Meditation Can Make You a Money Master</a>)</p> <h3>4. Exercise</h3> <p>Exercise &mdash; in particular aerobic exercise such as walking or jogging &mdash;&nbsp;<a href="https://www.health.harvard.edu/staying-healthy/exercising-to-relax" target="_blank">reduces stress hormones</a> adrenaline and cortisol in the body. Exercise also helps your body produce endorphins, which lessen pain and elevate your mood. Of course, a bonus is that you'll be in better physical shape and increase your overall energy and stamina. Those benefits, along with feeling more powerful and in control, will also help reduce stress, so exercise becomes a positive stress-reduction cycle. (See also: <a href="http://www.wisebread.com/10-surprising-non-physical-benefits-of-exercise?ref=seealso" target="_blank">10 Surprising, Non-Physical Benefits of Exercise</a>)</p> <h3>5. Replace your thoughts</h3> <p>An approach from the Cognitive Behavior Therapy playbook referred to as&nbsp;<a href="https://www.psychologytoday.com/blog/in-therapy/201606/talking-about-money" target="_blank">Negative Thought Replacement</a> can help you deal with those nagging money worries that turn into a never-ending mental monologue. Start to notice the negative phrases and beliefs that run through your head; you can even write them down to &quot;see&quot; them more clearly. Then, come up with phrases and statements that are positive and say those instead. For example, &quot;I don't know what I'm doing with money,&quot; could become, &quot;I'm learning how to manage my money.&quot; (See also: <a href="http://www.wisebread.com/4-ways-your-mind-can-make-you-rich?ref=seealso" target="_blank">4 Ways Your Mind Can Make You Rich</a>)</p> <h3>6. Get off social media</h3> <p>Social media isn't a cause of stress for everyone; however, for some people, it can be. Research shows that when social media leads to an increased awareness of stress or crisis in the lives of others, that awareness can trigger more stress in some people. It's referred to as &quot;<a href="http://www.tandfonline.com/doi/full/10.1080/07421656.2016.1166832" target="_blank">the cost of caring</a>;&quot; it's as if stress becomes contagious and is transferred through these social media connections. If you find yourself feeling more worried and upset after being on social media, try taking a break. Piling other people's stress on top of your own isn't healthy. (See also: <a href="http://www.wisebread.com/5-ways-to-break-your-social-media-habit?ref=seealso" target="_blank">5 Ways to Break Your Social Media Habit</a>)</p> <h3>7. Listen to music</h3> <p>Music is therapy. There's plenty of research showing that listening to music can help lower your stress levels. In some cases, having background music, like Pachelbel's Canon, helped <a href="https://greatist.com/happiness/unexpected-stress-busting-power-music" target="_blank">reduce anxiety, heart rate, and blood pressure</a>. In other situations, music can decrease pain and anxiety, and help improve moods. So find your favorite soothing or upbeat tunes and listen while you work, play, or just sit and breathe.</p> <h3>8. Breathe deep</h3> <p>Deep breathing works anytime, anywhere. On a bus? In a car? On a plane? In a house? With a mouse? Dr. Seuss-isms aside, deep breathing works and is always available &mdash; no equipment required, other than your own lungs. <a href="https://www.stress.org/take-a-deep-breath/" target="_blank">Deep breathing triggers relaxation</a> in your body and, as a result, your heart rate slows, your muscles relax, and your blood pressure and metabolism decrease; all these physiological changes bring about a state of calmness. Try taking a deep breath in as you count to seven; then slowly exhale to a count of eight. Do five deep breaths for a full set. (See also: <a href="http://www.wisebread.com/you-might-be-breathing-wrong-heres-what-you-should-do-instead?ref=seealso" target="_blank">You Might Be Breathing Wrong &mdash; Here's What You Should Do Instead</a>)</p> <h3>9. Laugh it off</h3> <p>Laughter is the best medicine, as it turns out; at least for stress. Laughter soothes tension, induces muscle relaxation, and enhances your intake of oxygen. Basically, you get the benefits of deep breathing, while also kicking up the endorphin production in your brain. Reducing your stress could be as simple as turning on a sitcom you love, playing a funny game, or getting together with that one friend that always makes you laugh. (See also: <a href="http://www.wisebread.com/10-serious-health-benefits-of-laughter?ref=seealso" target="_blank">10 Serious Health Benefits of Laughter</a>)</p> <h3>10. Pet an animal</h3> <p>Having a pet is great, but if you can't have your own, no problem; borrow one. Go to a friend's house and snuggle their cat, walk a neighbor's dog, or volunteer at the local animal shelter. <a href="https://www.ncbi.nlm.nih.gov/pubmed/19185195" target="_blank">Animal interaction comes with physical health benefits</a>, like lowered blood pressure, and improved psychological wellbeing. (See also: <a href="http://www.wisebread.com/5-surprising-ways-your-dog-can-save-you-money?ref=seealso" target="_blank">5 Surprising Ways Your Dog Can Save You Money</a>)</p> <h2>Develop a handful of your favorite methods</h2> <p>A recent research study designed specifically to help participants reduce Acute Financial Stress (AFS) found that <a href="https://www.psychologytoday.com/blog/in-therapy/201606/talking-about-money" target="_blank">having a variety of stress-reduction methods</a> to use seems to be most effective. That way, you can apply the method that seems to be most appropriate for the kind of stress you're feeling. For example, if you feel a headache and muscle tension coming on after paying the bills, it's time for some exercise. Or, if you're struggling with a nagging money monologue, meditation or talking it out might be the best method at the moment. Listen to your body, and do what works best for you.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F10-ways-to-relieve-your-money-stress&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F10%2520Ways%2520to%2520Relieve%2520Your%2520Money%2520Stress.jpg&amp;description=10%20Ways%20to%20Relieve%20Your%20Money%20Stress"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/10%20Ways%20to%20Relieve%20Your%20Money%20Stress.jpg" alt="10 Ways to Relieve Your Money Stress" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/annie-mueller">Annie Mueller</a> of <a href="http://www.wisebread.com/10-ways-to-relieve-your-money-stress">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-self-care-can-actually-save-you-money">5 Ways Self Care Can Actually Save You Money</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/time-to-get-down-with-your-inner-zen">Time to Get Down With Your Inner Zen</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-95-best-ways-to-get-fit-for-free">Flashback Friday: The 95 Best Ways to Get Fit for Free</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-to-stay-calm-in-stressful-moments">7 Ways to Stay Calm in Stressful Moments</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/will-a-dental-discount-plan-save-you-money">Will A Dental Discount Plan Save You Money?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Health and Beauty financial stress Health meditation money stress saving money self care stress relief yoga Wed, 13 Sep 2017 08:00:10 +0000 Annie Mueller 2020059 at http://www.wisebread.com The 5 Best Hiking Backpacks http://www.wisebread.com/the-5-best-hiking-backpacks <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-5-best-hiking-backpacks" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_hiking_backpack_507685148.jpg" alt="Woman using best hiking backpack while hiking" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you&rsquo;re planning a hike or long outdoor adventure, you&rsquo;ll want to take a quality hiking backpack along for the ride. It can securely house the food, water, and gear you need on your expedition. (See also: <a href="http://www.wisebread.com/the-5-best-backpacks?ref=seealso" target="_blank">The 5 Best Backpacks</a>)</p> <h2>What is a hiking backpack?</h2> <p>A hiking backpack is a bag with shoulder straps that can be carried on the back. It can keep all your gear secure and organized during your next camping, hiking, or outdoor adventure.</p> <p>You&rsquo;ll want to find something lightweight, portable, comfortable, and durable. You&rsquo;ll also want to take into account the capacity, compartments, and ability to store and organize all your essentials. (See also: <a href="http://www.wisebread.com/the-5-best-hydration-packs?ref=seealso" target="_blank">The 5 Best Hydration Packs</a>)</p> <h2>Top 5 hiking backpacks</h2> <h3>TETON Sports Scout 3400 Internal Frame Backpack</h3> <p><a href="http://amzn.to/2wo6RaO" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/teton_0.jpg" width="127" height="245" align="right" alt="" /></a>Amazon&rsquo;s #1 best-seller in internal frame hiking backpacks, the <a href="http://amzn.to/2wo6RaO" target="_blank">TETON Sports Scout 3400 Internal Frame Backpack</a> has a fully adjustable fit in the torso. Some of the impressive features include sturdy zippers, mesh lumbar support, upper load adjustment straps at the shoulders, gear loops and top carry loop, multidirectional compression straps, and bendable aluminum stays. It has multiple pockets and spacious compartments, including a mesh storage pocket and large sleeping bag compartment. It is durable, breathable, and comfortable thanks to fully adjustable padded waist and shoulder straps, an open-cell foam lumbar pad, and molded channels.</p> <p>This is available in three colors and comes with a free rain cover. It is one of the &ldquo;Most Wished For&rdquo; items on Amazon and has nearly 1,500 five-star reviews. It is also backed by a limited lifetime warranty.</p> <p><a href="http://amzn.to/2wo6RaO" target="_blank"><em>Currently $63.37 on Amazon</em></a></p> <h3>Venture Pal Lightweight Packable Durable Travel Hiking Backpack</h3> <p><a href="http://amzn.to/2f4uGl8" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/venture%20pal.jpg" width="186" height="245" align="right" alt="" /></a>Amazon&rsquo;s Choice for hiking backpacks, the <a href="http://amzn.to/2f4uGl8" target="_blank">Venture Pal Lightweight Packable Durable Travel Hiking Backpack</a> is spacious and has multiple compartments, including one main zipped compartment, two zipped front pockets, and two side pockets. The improved design includes a thicker flap, double-layer bottom for added strength, bar-tacks at major stress points, adjustable buckles, heavy duty metal zippers, and a chest strap with a whistle buckle. It is made from high-quality water- and tear-resistant material and feels comfortable thanks to adjustable breathable padded mesh shoulder straps.</p> <p>This is compact, lightweight, and foldable, so it won&rsquo;t take up any space. It is available in a wide range of colors. It has more than 2,500 five-star reviews on Amazon and is backed by a lifetime warranty.</p> <p><a href="http://amzn.to/2f4uGl8" target="_blank"><em>Currently $20.99 on Amazon</em></a></p> <h3>Outlander Lightweight Travel Hiking Backpack</h3> <p><a href="http://amzn.to/2joEKXU" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/new%20outlander.jpg" width="163" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2joEKXU" target="_blank">Outlander Travel Hiking Backpack</a> is made of high-quality water- and tear-resistant material. It has multiple compartments, including a spacious main compartment, two front zipper pockets, one internal security zippered pocket, and two side pockets. It features durable metal zippers, adjustable breathable straps, and reinforced stress points for increased durability. It is compact, lightweight, spacious, and folds up, so it is ultraconvenient and won&rsquo;t take up any space.</p> <p>This is available in a range of colors. It has nearly 6,000 five-star reviews on Amazon and is backed by a lifetime warranty.</p> <p><a href="http://amzn.to/2joEKXU" target="_blank"><em>Currently $15.99 on Amazon</em></a></p> <h3>OutdoorMaster Hiking Backpack</h3> <p><a href="http://amzn.to/2fgPBP0" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/outdoormaster.jpg" width="186" height="245" align="right" alt="" /></a>The versatile <a href="http://amzn.to/2fgPBP0" target="_blank">OutdoorMaster Hiking Backpack</a> is lightweight, spacious, comfortable, and durable. It has many smart features and pockets, including a water bottle pocket, breathable mesh back panel, padded adjustable shoulder straps, and a padded laptop compartment. This is available in various colors and includes a waterproof rain cover. It has more than 1,000 five-star reviews on Amazon and is backed by a six-month satisfaction guarantee.</p> <p><a href="http://amzn.to/2fgPBP0" target="_blank"><em>Currently $36.99 on Amazon</em></a></p> <h3>High Sierra Titan 55 Frame Pack</h3> <p><a href="http://amzn.to/2w6M9B2" target="_blank"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/titan_0.jpg" width="168" height="245" align="right" alt="" /></a>The <a href="http://amzn.to/2w6M9B2" target="_blank">High Sierra Titan 55 Frame Pack</a> has no shortage of pockets or features. It has an internal hydration reservoir sleeve, hinged front pocket, mesh side pockets, removable media pocket, front-load sleeping bag compartment with divider, and zippered pockets on the padded waist belt. It features adjustable side and bottom compression straps, adjustable sternum strap, padded grab handles, and S-shaped Ergo-Fit shoulder strap harness with load-lifters that adjusts to fit trimmer torsos. The top-load main compartment has a gusseted drawstring closure and adjustable top lid.</p> <p>Lightweight fabrics and soft lashing hardware are combined with a high-density foam padded back panel for added comfort. The airflow channels and internal frame structure can also help keep your back cool and dry all day. This is available in various colors and includes a rain cover. It is recommended by Hiking Gear Lab and has outstanding online reviews.</p> <p><a href="http://amzn.to/2w6M9B2" target="_blank"><em>Currently $79.99 on Amazon</em></a></p> <p>And those are our recommendations for the best hiking backpacks. As always, be sure to check <a href="http://www.wisebread.com/buying-calendar" target="_blank">Wise Bread's Buying Calendar</a> to learn when and how to buy just about anything!</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fthe-5-best-hiking-backpacks&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FThe%25205%2520Best%2520Hiking%2520Backpacks.jpg&amp;description=The%205%20Best%20Hiking%20Backpacks"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/The%205%20Best%20Hiking%20Backpacks.jpg" alt="The 5 Best Hiking Backpacks" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/the-5-best-hiking-backpacks">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-backpacks">The 5 Best Backpacks</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-hydration-packs">The 5 Best Hydration Packs</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-anti-itch-creams">The 5 Best Anti-Itch Creams</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-shampoos-for-frizzy-hair">The 5 Best Shampoos for Frizzy Hair</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-flea-shampoos">The 5 Best Pet Flea Shampoos</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Shopping 5 best backpacks hiking hiking accessories hiking backpacks product reviews shopping Wed, 13 Sep 2017 08:00:07 +0000 Andrea Cannon 2020049 at http://www.wisebread.com How Nutrition Labels Are About to Get Better http://www.wisebread.com/how-nutrition-labels-are-about-to-get-better <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-nutrition-labels-are-about-to-get-better" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/nutrition_facts_of_brown_rice_pasta.jpg" alt="Nutrition facts of Brown Rice Pasta" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>We've all experienced it &mdash; we walk into the grocery store, intent on making the best health decisions during our shopping trip. Then we get completely confused by the nutrition labels on the food we want to buy.</p> <p>Consumer confusion surrounding these labels is totally understandable. The labels were created 25 years ago, and have remained largely unchanged since that time. Our food system, the way we eat, and our ever-growing knowledge of nutrition and health has vastly changed in the last two and a half decades.</p> <p>As a result of many years of consumer pressure, the FDA finally agreed to <a href="https://www.fda.gov/Food/GuidanceRegulation/GuidanceDocumentsRegulatoryInformation/LabelingNutrition/ucm385663.htm#highlights" target="_blank">update the nutrition facts labels</a> on packaged food, and they are getting quite a makeover. The work is already in progress and manufacturers will have to be in compliance of the new label standards no later than July 26, 2018. Here are the biggest changes to look out for.</p> <h2>The size of the font and key info in bold</h2> <p>The font size of different sections of the nutrition facts will help make it easier to focus on the points that matter most. The number of servings per container, serving size, and calorie count per serving will be bolded and in a larger font than the rest of the nutrition information on the label. This change will also make the label easier to scan as a whole.</p> <h2>An emphasis on the daily value percentage</h2> <p>The layout of the label will also change with a greater emphasis on the daily value percentages. These are the percentages that tell you the amount of the daily recommended value of vitamins, minerals, and components such as fat, fiber, sugar, protein, and sodium that you will get from each serving in the package.</p> <h2>&quot;Added Sugars&quot; will be included</h2> <p>Added sugar is exactly what it sounds like: sugar that manufacturers add to a food item that doesn't come naturally from ingredients such as fruit. It's no secret that many manufacturers add sugar to foods to make them tastier for consumers. There is scientific research to suggest that the <a href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5133084/" target="_blank">amount of added sugar we're consuming</a> is contributing to chronic diseases such as diabetes. Given the spike that we're seeing in chronic diseases in our society, it makes sense that the FDA is making this distinction between added sugars and other carbohydrates. (See also: <a href="http://www.wisebread.com/eat-less-sugar-with-these-10-simple-tricks?ref=seealso" target="_blank">Eat Less Sugar With These 10 Simple Tricks</a>)</p> <h2>Serving sizes will be more realistic</h2> <p>It's endlessly frustrating when you see something small and unhealthy &mdash; a candy bar, for example &mdash; and the nutrition label has it listed as a three-serving snack. You know you're probably going to eat it in one sitting, as would most people. Luckily, nutrition labels will now reflect that reality.</p> <p>The FDA states that &quot;packages that are between one and two servings, such as a 20-ounce soda or a 15-ounce can of soup, the calories and other nutrients will be required to be labeled as one serving because people typically consume it in one sitting.&quot;</p> <p>Though we are the ones who remain in control of our health and food consumption, the FDA is putting forward a good deal of effort to make sure that food manufacturers are helping consumers achieve and maintain good health through balanced nutrition. While these new and improved nutrition facts labels won't be the silver bullet for better health, they are a big step in the right direction.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-nutrition-labels-are-about-to-get-better&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520Nutrition%2520Labels%2520Are%2520About%2520To%2520Get%2520Better.jpg&amp;description=How%20Nutrition%20Labels%20Are%20About%20to%20Get%20Better"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20Nutrition%20Labels%20Are%20About%20To%20Get%20Better.jpg" alt="How Nutrition Labels Are About to Get Better" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christa-avampato">Christa Avampato</a> of <a href="http://www.wisebread.com/how-nutrition-labels-are-about-to-get-better">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-healthy-ways-to-have-ice-cream-for-breakfast">10 Healthy Ways to Have Ice Cream for Breakfast</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/move-over-weight-watchers-the-new-pyramid-is-here">Move Over Weight Watchers, the New Pyramid is Here!</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-new-face-of-poverty-is-fat">The new face of poverty is fat</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/save-money-and-eat-better-with-these-6-online-meal-planners">Save Money and Eat Better With These 6 Online Meal Planners</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/healthy-frugal-eating">Healthy, frugal eating</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Food and Drink Health and Beauty eat healthy Food food labels healthy eating nutrition labels sugar intake Thu, 07 Sep 2017 09:01:06 +0000 Christa Avampato 2016466 at http://www.wisebread.com 6 Pet Expenses You Should Never Skip http://www.wisebread.com/6-pet-expenses-you-should-never-skip <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-pet-expenses-you-should-never-skip" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-522185081.jpg" alt="don&#039;t skip these pet care expenses" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>For some of us, our pets are the only children we're going to have (sorry, mom) &mdash; and like any good parent, we want to take care of our babies as best we can. But in the world of pet care, how do we know what's worth it and what isn't &mdash; especially when we examine the price tags associated with such expenses? You and your favorite cuddle buddy can live without a lot of what's out there, but here are the pet care costs you should never skip. (See also: <a href="http://www.wisebread.com/8-ways-to-lower-your-vet-bills?ref=seealso" target="_blank">8 Ways to Lower Your Vet Bills</a>)</p> <h2>1. Vaccinations</h2> <p>Vaccines do an incredible amount of good versus whatever rogue side effects have been suggested, largely by the nonscientific community. This goes for your pets, too.</p> <p>There's been some controversy on whether cats actually need annual shots, and the general consensus &mdash; among some, but not all vets &mdash; is that if your cat is strictly indoors and doesn't come into contact with other cats that may have feline leukemia, you can probably skip a year or two on vaccinations.</p> <p>Pet-care author, Kelly Meister-Yetter, affectionately known as the Critter Lady, says she has four indoor-only cats and she doesn't have them vaccinated every year. If your cat is to be boarded, however, virtually every establishment will require updated shots.</p> <p>Dogs, however, are a different story. &quot;You should never skip dog vaccinations, especially the rabies update shot every year,&quot; Meister-Yetter says. And some rabies vaccinations are good for three years. &quot;Dogs can get into all manner of mischief, and it's always best to keep them safe.&quot;</p> <h2>2. Consistent veterinary care from infancy</h2> <p>A pet parent should never skimp on vet care, which should include a yearly physical exam. Not only does the examination allow your veterinarian to assess the overall health of your pet, it also creates a health care team for you, the pet parent.</p> <p>&quot;When the pet is sick or injured, they will be worked in right away with someone who knows the pet and has its medical history, known medications and allergies, everything,&quot; according to Kathryn Primm, resident veterinarian at pet wellness site IHeartDogs.com.</p> <p>Vet care shouldn't be used as an emergency resource, but rather an established method of preventive care, from the moment you adopt or decide to bring a pet into your family.</p> <p>House Call Vet NYC Dr. Jeff Levy, whose practice specializes in holistic pet care, says regular checkups combined with a reasonable vaccination protocol can prevent unforeseen and costly medical problems throughout your pet's life. This preventive care can save you a substantial amount of money by addressing potential problems before they reach a stage that you may not be able to afford.</p> <h2>3. Pet insurance</h2> <p><a href="http://www.wisebread.com/is-pet-health-insurance-worth-it" target="_blank">Pet insurance</a>, though it may seem costly over the span of your pet's life, will spare you money and heartbreak in emergency situations that can cost thousands.</p> <p>My own dog had a respiratory issue very early on, the surgery for which crept upwards of $10,000. It's horrible to say, but if I didn't have pet insurance for him, we wouldn't have spent the past seven years post-procedure enjoying each other's company. Pet insurance saved his life.</p> <p>Jamie Thomas, executive director of Motley Zoo Animal Rescue in Washington State, says she experiences the consequences of uninsured pets on a regular basis.</p> <p>&quot;We routinely see animals surrendered for something as simple as a broken leg &mdash; [which costs a pet parent] about $1,500 to $2,000 [to mend],&quot; she says. &quot;This is really avoidable and it breaks our hearts. All it takes is one accident where your cat gets out the door and hit by a car, or your dog gets injured by another, and you might be facing euthanization rather than care and treatment, simply due to expenses.&quot;</p> <p>Outside of pet insurance, it's also a good idea to have a small emergency fund set up for your pet, just in case. And as your pet ages, certainly you can reconsider your insurance coverage. You may decide that your pet doesn't need a high level of coverage or coverage at all as it enters its final stages of life, but that's a personal decision you'll have to make.</p> <h2>4. Good food and nutrition</h2> <p>Be mindful of your pet's diet, and don't skimp on their food. This doesn't mean following the latest fads or advertising. Consider your veterinarian's professional opinion and conduct your own research using authoritative sources.</p> <p>&quot;You cannot underestimate the value of good food and what this can do for your animal's long-term health and well-being,&quot; explains Thomas. &quot;The ingredients and fillers in cheap pet food can actually cost you more in vet bills, trying to figure out why your pet's coat is really dry, coarse, or why your pet is super itchy or has skin issues. Ingredients like chicken and grains are the biggest culprits causing pet allergies, including skin and ear infections.&quot; (See also: <a href="http://www.wisebread.com/20-most-useful-pet-food-websites?ref=seealso" target="_blank">20 Most Useful Pet Food Websites</a>)</p> <h2>5. Exercise and socialization</h2> <p>I'm a pretty lucky pet parent because there are plenty of dog parks, beaches, and even dog-friendly happy hours where I live that my best fur-buddy and I can go to socialize and get regular exercise, and it's all free (except for the beers, of course). This is probably the case for you as well (a quick search will find all the dog-friendly places in your vicinity), and it's important to utilize these community assets so your pet can make friends and play.</p> <p>&quot;While cats are often solitary animals, dogs thrive on social interaction; invest your time, effort, and resources into enriching your pet's daily life,&quot; Dr. Levy advises. &quot;Both species need exercise to keep their bodies healthy. For cats, invest in toys and dedicate time to daily play. Dogs should not stay home alone while you are at work, so pony up for a walker or daycare.&quot;</p> <h2>6. Dog training, if needed</h2> <p>A lot of pet parents manage to raise friendly, gentle, loving dogs without the assistance of trainers. The problem is, you never really know how your pet will turn out as an adult based on your specific combination of nature and nurture, which makes it a good idea to invest in formal training.</p> <p>Thomas says, &quot;Many people rely on the breed of dog &mdash; 'good family dogs' &mdash; and think they don't need training, or think that hanging out with the family is actually socializing their dog. But investing in a better understanding of what training entails and how to communicate effectively with your dog, as well as how to truly socialize your dog, will be a priceless experience and can truly be the difference between keeping your dog or not. If people invested as much time and attention into these factors as they do researching a dog breed that will be perfect for them, they'd be more successful &mdash; and find many more dogs that would actually work for them.&quot;</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F6-pet-expenses-you-should-never-skip&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F6%2520Pet%2520Expenses%2520You%2520Should%2520Never%2520Skip.jpg&amp;description=6%20Pet%20Expenses%20You%20Should%20Never%20Skip"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/6%20Pet%20Expenses%20You%20Should%20Never%20Skip.jpg" alt="6 Pet Expenses You Should Never Skip" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/6-pet-expenses-you-should-never-skip">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-things-you-need-to-know-about-pet-insurance">7 Things You Need to Know About Pet Insurance</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-lower-your-vet-bills">8 Ways to Lower Your Vet Bills</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-personal-finance-tips-for-animal-lovers">7 Personal Finance Tips for Animal Lovers</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-pet-flea-shampoos">The 5 Best Pet Flea Shampoos</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-pet-expenses-that-arent-worth-it">4 Pet Expenses That Aren&#039;t Worth It</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Family Health and Beauty cats dogs pet care pet expenses pet insurance pet owner pets veterinary costs Wed, 06 Sep 2017 08:30:10 +0000 Mikey Rox 2016057 at http://www.wisebread.com 5 Ways Self Care Can Actually Save You Money http://www.wisebread.com/5-ways-self-care-can-actually-save-you-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-ways-self-care-can-actually-save-you-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_happy_meditating_541865750.jpg" alt="Woman practicing self care and saving money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>&quot;Self care&quot; has become a buzzword. It has become associated with spa days and luxurious vacations, and critics say that it's more of an exercise in self-indulgence. (See also: <a href="http://www.wisebread.com/when-self-care-actually-harms-your-budget?ref=seealso" target="_blank">When Self-Care Actually Harms Your Budget</a>)</p> <p>However, true self care doesn't actually have to have anything to do with spending lots of money. In fact, truly caring for yourself, giving yourself what you need, and making your own well-being a priority, will save you money in the long run. Here are a few ways that can work. (See also: <a href="http://www.wisebread.com/treat-yourself-with-these-7-free-self-care-routines?ref=seealso" target="_blank">Treat Yourself With These 7 Free Self-Care Routines</a>)</p> <h2>1. Exercise</h2> <p>Taking care of your body is important. In fact, it's one of the most important things you can do for your health. And as your body produces endorphins during exercise, it helps your mental health, as well. If you want to run a lower risk of shelling out money at the doctor's office, make daily exercise part of your routine.</p> <p>But wait! Don't gym memberships cost money? Luckily, you don't need a pricey gym membership to get physically fit. Just a quality pair of sneakers, comfy clothes, and an open trail on which to run or walk every day can help protect your ticker. (See also: <a href="http://www.wisebread.com/these-at-home-exercises-will-give-you-a-gym-quality-workout-for-free?ref=seealso" target="_blank">These At-Home Exercises Will Give You a Gym-Quality Workout for Free</a>)</p> <h2>2. Rest</h2> <p>Another basic tenet of real self care is rest. This means getting enough sleep at night, but it also means taking days off when needed. Just taking a mental health day will give your body and mind a chance to relax and reset, rather than be on all the time. You will also be more productive when you return to work with a fresh mind after a day off. You'll have more energy to tackle additional tasks outside of work, and to work on your side gigs to bring in extra income. (See also: <a href="http://www.wisebread.com/5-easy-things-science-says-you-should-do-for-your-body-every-day?ref=seealso" target="_blank">5 Easy Things Science Says You Should Do for Your Body Every Day</a>)</p> <p>Sleep can save you money, too. You'll make better decisions (financial and otherwise) when you are well-rested. And according to a study by Harvard University, <a href="http://healthysleep.med.harvard.edu/healthy/matters/consequences/sleep-and-disease-risk" target="_blank">sleeping eight hours or more each night</a> lowers your risk of expensive chronic health problems that can push you straight into debt.</p> <h2>3. Healthy eating</h2> <p>What you eat and how you eat it can save you money, too. For many people, part of self care involves eating healthier by planning meals, grocery shopping for fresh ingredients, and then cooking and eating at home.</p> <p>Obviously, you will spend less on your food when you prepare it yourself. You will avoid pricey takeout meals that probably aren't as healthy, you'll improve your cooking skills, and you're taking care of your body, which, again, will help lower your risk of contracting any obesity-caused illnesses.</p> <h2>4. Setting goals</h2> <p>When we aren't caring for ourselves in the most basic sense, it can be harder to focus on our financial goals. Being focused and vigilant in one area of our lives can easily trickle into others. So when we're eating right, getting enough rest, and taking care of our bodies, we become more inclined to keep that positive momentum going. We plan ahead. We want to safeguard our future in every sense, including planning for retirement, paying off debt, and making smarter financial choices.</p> <h2>5. Creating boundaries</h2> <p>Maintaining personal boundaries is a huge part of self care, and it can also save us money. Because boundaries help us define what is and is not part of who we are, solid ones help us prevent poor spending decisions like competitive spending with friends, feeling pressured to lend others money, etc. If we value our financial health, then, boundaries will help us spend when we need to but not so much or so often that it negatively impacts our financial future. (See also: <a href="http://www.wisebread.com/9-simple-acts-of-self-care-for-the-sandwich-generation?ref=seealso" target="_blank">9 Simple Acts of Self-Care for the Sandwich Generation</a>)</p> <p>Investing in self care doesn't have to be frivolous or luxurious; it often means changing our daily habits so that we are prioritizing our best interests.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F5-ways-self-care-can-actually-save-you-money&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F5%2520Ways%2520Self%2520Care%2520Can%2520Actually%2520Save%2520You%2520Money.jpg&amp;description=5%20Ways%20Self%20Care%20Can%20Actually%20Save%20You%20Money"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/5%20Ways%20Self%20Care%20Can%20Actually%20Save%20You%20Money.jpg" alt="5 Ways Self Care Can Actually Save You Money" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/5-ways-self-care-can-actually-save-you-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ways-to-relieve-your-money-stress">10 Ways to Relieve Your Money Stress</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-to-stay-calm-in-stressful-moments">7 Ways to Stay Calm in Stressful Moments</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-keep-anxiety-from-ruining-your-budget">5 Ways to Keep Anxiety From Ruining Your Budget</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-76-best-life-lessons-you-should-learn-by-30">Flashback Friday: The 76 Best Life Lessons You Should Learn by 30</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-95-best-ways-to-get-fit-for-free">Flashback Friday: The 95 Best Ways to Get Fit for Free</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Lifestyle budget Health mental health saving money self care Spending Money Fri, 01 Sep 2017 08:00:06 +0000 Sarah Winfrey 2013366 at http://www.wisebread.com Best Money Tips: 10 Home Items That Are Making You Sick http://www.wisebread.com/best-money-tips-10-home-items-that-are-making-you-sick <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-10-home-items-that-are-making-you-sick" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_sick_hold_586946066.jpg" alt="Woman getting sick from home items" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found articles on things you have in your home that are making you sick, useful tips for gig workers, and ways to save money when you&rsquo;re moving abroad.</p> <h2>Top 5 Articles</h2> <p><a href="https://www.dumblittleman.com/can-your-house-make-you-sick/">10 Things At Home That Are Making You Unwittingly Sick</a> &mdash; Your bath mat can contain mold, dust mites and bacteria &mdash; all of these can lead to allergies or the common cold.&nbsp; [Dumb Little Man]</p> <p><a href="http://money.cnn.com/2017/08/17/pf/jobs/gig-worker/index.html">5 things every gig worker should know</a> &mdash; As a gig worker, your income will fluctuate from one month to the next. Make sure you set aside funds in a savings account to cover expenses when you aren't making as much money as usual. [CNN Money]</p> <p><a href="http://www.onesmartdollar.com/8-ways-save-money-moving-abroad/">8 Ways to Save Money When Moving Abroad</a> &mdash; Sell everything you won't take with you, including vehicles, properties, and other assets that will require long-term storage or regular maintenance. [One Smart Dollar]</p> <p><a href="https://www.popsugar.com/smart-living/Tips-Flying-Coach-43868084">How to Have a Coach Flying Experience That Isn't Awful</a> &mdash; You can gain a little more room by booking your seats strategically. [PopSugar Smart Living]</p> <p><a href="https://adebtfreestressfreelife.com/fall-picnic/">Amazing Fall Picnic Ideas To Try Right Now</a> &mdash; Summer picnics get a ton of love, but fall picnics can be a lot of fun, too! For drinks, go with seasonal flavors like cider, pumpkin ale, hard cider, or apple wine. [A Mess Free Life]</p> <h2>Other Essential Reading</h2> <p><a href="http://sidehustlehq.com/making-money-during-the-back-to-school-season-and-beyond/">Making Money During the Back to School Season and Beyond</a> &mdash; Many busy parents would be glad to pay for a little help throughout the school year. You can offer healthy meal kits, transportation services, or tutoring sessions for subjects you know well. [Side Hustle HQ]</p> <p><a href="https://www.dontpayfull.com/blog/save-money-on-work-lunches">How to Eat Tasty and Save Money on Work Lunches</a> &mdash; Make your own sauces to dress up ordinary ingredients. [Don't Pay Full]</p> <p><a href="http://www.pennydesaver.com/ways-to-make-a-mattress-last-longer/">Ways to Make a Mattress Last Longer</a> &mdash; Use a mattress protector with allergy protection, even if you don't have allergies. Besides blocking allergy spores, it will also keep dander and dust from getting into your mattress. [Penny deSaver]</p> <p><a href="https://zenhabits.net/back/">How to Get Back on Track with Motivation &amp; Habits</a> &mdash; The key to getting back on track after you've been derailed is to change your mood as it relates to the project or goal. [zen habits]</p> <p><a href="https://www.getorganizedwizard.com/blog/2017/08/14-tips-organize-child-friendly-bathroom/">14 Tips To Organize A Child-Friendly Bathroom</a> &mdash; Safety is key! Avoid bathroom furnishings with sharp corners, edges, or metal parts where your children can get hurt. [Get Organized Wizard]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-10-home-items-that-are-making-you-sick">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-best-ear-thermometers">The 5 Best Ear Thermometers</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-to-stay-healthy-on-vacation">7 Ways to Avoid Getting Seriously Sick on Vacation</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ways-to-age-well-for-0">10 Ways to Age Well for $0</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-common-medicare-myths-debunked">5 Common Medicare Myths, Debunked</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-wonderful-uses-for-witch-hazel">15 Wonderful Uses for Witch Hazel</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty best money tips sick Fri, 18 Aug 2017 08:00:07 +0000 Amy Lu 2005239 at http://www.wisebread.com The One Question You Need to Answer to Choose the Best Health Care Plan http://www.wisebread.com/the-one-question-you-need-to-answer-to-choose-the-best-health-care-plan <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-one-question-you-need-to-answer-to-choose-the-best-health-care-plan" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-515605374.jpg" alt="Choosing the best health care plan based on one question" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>Health insurance: That term alone may be enough to give you a headache, considering all of its confusing language, acronyms, high costs, and pages upon pages of fine print. If you're feeling lost, you aren't alone &mdash; and I'm here to help.</p> <p>As someone who has purchased their own insurance from health care marketplaces in several states, and worked professionally for a health insurance company, I've learned quite a bit about buying health insurance. Here are the main points you need to know to choose the best insurance plan for you and your family.</p> <h2>The two main health care costs</h2> <p>Health care costs are broken down into two main categories: fixed monthly costs and variable service costs.</p> <h3>1. Fixed monthly costs</h3> <p>Your health care bill is a fixed monthly cost that you pay in order to keep your insurance in good standing. Your bill is often referred to as your &quot;premium&quot; or &quot;monthly premium.&quot; It may change from year to year, but within a given calendar year, it's the same every month provided you don't have any life changes such as adding a new dependent to your plan.</p> <p>It's critically important that you pay this monthly charge every month when it's due. If you miss a payment or multiple payments, the insurance company could cancel your coverage or charge you a late fee. If you're having trouble paying your monthly premium, ask for help. Call your insurance company. There are often programs and payment options to help you manage your payments and keep your insurance active.</p> <h3>2. Variable service costs</h3> <p>These are costs that you will pay when you receive medical services such as doctor visits, prescriptions, visits to the emergency room or hospitalizations, and lab tests, just to name a few. The costs to you for these services depend upon your insurance and the provider of those services such as the doctor or pharmacy you use. When you pay these costs, they count against something called your deductible.</p> <p>Your deductible is the amount of money set by your insurance plan that <em>you </em>must pay before insurance contributes money to your medical costs.</p> <p>Your copay is the amount of money you must pay upfront to a service provider before you can receive care, medication, or tests.</p> <h2>An example of how all of these costs work together</h2> <p>Let's say you sign up with ABC health insurance company. These are the terms of the plan:</p> <ul> <li>Monthly premium: $100.<br /> &nbsp;</li> <li>Variable costs: $25 copay for a visit to your doctor (often called your primary care physician or PCP), $200 copay for a visit to the ER, $10 copay for prescriptions.<br /> &nbsp;</li> <li>Deductible: $1,000 in-network, $2,000 out-of-network. In-network means that a provider is approved by the insurance company. As a general rule, you should check to see if all of your providers are in-network with your insurance company, because in-network providers will be cheaper for you than out-of-network providers.</li> </ul> <p>Every month, you must pay the $100 premium, whether or not you receive any medical care that month.</p> <p>Now let's say you get a bad cold. You go to the doctor and they write you a prescription for some medicine to help you manage the congestion in your nose and chest. They're also a little concerned that this is more than just a cold, so they recommend a few tests from an in-network lab. Since you are feeling very sick, you agree to the lab tests. You pay the $25 copay to the doctor for the visit, and the $10 copay at your pharmacy for the prescription. Total variable costs so far are $35.</p> <p>The lab tests come back and it turns out you have an infection and need a second prescription. You pay another $10 copay to your pharmacist for the second medication, and the lab that ran the tests sends you a bill for $50. Total variable costs are now a total of $95.</p> <p>Now what about the deductible? Copays usually do not count toward your deductible, but billed costs do. Let's say this is the first time you're seeing a doctor this year. You can count your $50 lab cost against your $1,000 in-network deductible because the lab that ran the tests is in-network.</p> <p>Because you haven't yet hit the $1,000 in-network deductible of medical expenses, you must pay the lab the $50 for your lab tests. Your insurance doesn't cover any of that cost so long as your total billed in-network provider costs for the year (not counting copays) are below $1,000. Insurance does not cover any of your copays &mdash; you are responsible for those costs as well.</p> <h2>The one question you need to answer to choose the right plan</h2> <p>Health care is a complicated industry. There is one main question you need to answer to choose the right plan for you on the exchange: Would you rather pay a higher fixed monthly premium and pay lower costs for a serious illness or injury, or would you rather have a lower monthly premium and pay higher costs for a serious illness or injury?</p> <p>Once you answer that question, you significantly narrow down your choices and the decision becomes much simpler.</p> <h2>Narrowing down your choices</h2> <p>If you need some help answering the question above, here is a way to break it down into two smaller questions.</p> <h3>1. What is your risk tolerance?</h3> <p>You have to be able to sleep at night. If you are worried about a high monthly premium and not too worried about your potential for getting sick or having some kind of accident, then you could choose a higher-deductible plan with a lower monthly fee and higher service fees. If you would rather have the peace of mind of a lower-deductible plan with higher monthly fees and lower service fees, then a high monthly premium plan may be better for you. That is a very personal choice and there are no right or wrong answers.</p> <h3>2. How much financial flexibility do you have if you get sick or injured?</h3> <p>Another point to consider is your financial flexibility. In the event that you become sick or have an accident, do you have a substantial enough savings to cover high medical costs? If so, then you may be just fine with a plan that is cheaper on a monthly basis and has higher fees and a higher deductible. If you don't have significant savings for services, but you do have money to cover a higher monthly premium, then a more expensive plan upfront may be better for you.</p> <h2>What's covered in every plan (for now)</h2> <p>For now, the Affordable Care Act (commonly called the ACA or &quot;Obamacare&quot;) is the law of the land. When it was passed in 2010, it included a required set of services that all health insurance plans on the marketplace (also called &quot;the exchange&quot;) must include.</p> <p>That means that all of these services must be offered by all plans that wish to be a part of the marketplace. It does not mean that these services are free of charge. It just means that they have to be offered as part of the bundle of services, and there can be costs to you associated with them.</p> <p>The mandatory services, as long as the ACA is in effect, are:</p> <ul> <li>Ambulatory patient services. This includes any service outside of a hospital such as visits to a doctor's office, a clinic, or urgent care center.<br /> &nbsp;</li> <li>Chronic disease treatment. Chronic conditions are illnesses that must be consistently treated to prevent or slow their progression, but may never be fully cured. These include conditions such as diabetes and high blood pressure.<br /> &nbsp;</li> <li>Emergency services.<br /> &nbsp;</li> <li>Hospitalization.<br /> &nbsp;</li> <li>Laboratory services. Lab services include all tests that help doctors diagnose your illness or condition. Blood work is an example of a lab service.<br /> &nbsp;</li> <li>Maternity and newborn care.<br /> &nbsp;</li> <li>Mental health services and addiction treatment. This includes services in which you go for an office visit to a therapist as well as services that require you to check in to a facility for multiple days of treatment (known as inpatient services).<br /> &nbsp;</li> <li>Rehabilitative services and devices. This includes services that help you to recover from a mental or physical illness, injury, disability, or chronic condition. It may be inpatient or outpatient depending upon the recommendation by your physician.<br /> &nbsp;</li> <li>Pediatric services. This includes checkups, vaccines and immunizations, dental care, and vision care.<br /> &nbsp;</li> <li>Prescription drugs.<br /> &nbsp;</li> <li>Preventive and wellness services. This includes physicals, immunizations, and screenings such as mammograms and colonoscopies that are meant to prevent and/or detect certain medical conditions that would need treatment. For women, this also includes annual visits to a gynecologist. Many times these services are included in the insurance plan with no extra fee other than a copay provided you go to a service provider who is in-network.</li> </ul> <p>Remember, no matter which plan you choose on the exchange, it must include some provision for these services though the costs to you for providing them may vary significantly from plan to plan.</p> <h2>The main drivers of your health insurance costs</h2> <p>There are several factors that determine your monthly charge from the insurance company.</p> <ul> <li>Your age.<br /> &nbsp;</li> <li>Your home address. Where you live makes a difference in cost, for now, so you must go to the marketplace that is associated with the state in which you live. <a href="https://www.healthcare.gov/" target="_blank">HealthCare.gov</a> will tell you which exchange is yours based on the ZIP code you enter. You will then be able to see the plans available to you.<br /> &nbsp;</li> <li>How many dependents you want to cover, if any.<br /> &nbsp;</li> <li>Whether or not you smoke. Some states have an extra charge if you are a smoker.<br /> &nbsp;</li> <li>The insurance company you choose. Exchanges can have more than one insurance company in the marketplace.</li> </ul> <p>The health care exchanges do an excellent job of giving you side-by-side, apples-to-apples comparisons between different plans. If it's too much for you to figure out online, call your state exchange directly. They have excellent customer service representatives who are very knowledgeable and will help you through the online application. Be well.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/The%20One%20Question%20You%20Need%20to%20Answer%20to%20Choose%20the%20Best%20Plan%20on%20the%20Health%20Care%20Marketplace.jpg" alt="The One Question You Need to Answer to Choose the Best Plan on the Health Care Marketplace" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christa-avampato">Christa Avampato</a> of <a href="http://www.wisebread.com/the-one-question-you-need-to-answer-to-choose-the-best-health-care-plan">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/health-insurance-how-to-fight-back-against-4-common-claim-denials">Health Insurance: How to Fight Back Against 4 Common Claim Denials</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/signing-up-for-obamacare-in-2015-heres-whats-new">Signing Up for Obamacare in 2015? Here&#039;s What&#039;s New</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/going-without-health-insurance-in-2015-heres-what-itll-cost-you">Going Without Health Insurance in 2015? Here&#039;s What It&#039;ll Cost You</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-vital-things-to-remember-when-buying-health-insurance">5 Vital Things to Remember When Buying Health Insurance</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-common-medicare-myths-debunked">5 Common Medicare Myths, Debunked</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Insurance ACA affordable care act copays costs deductibles doctors health care networks obamacare the exchange Tue, 08 Aug 2017 09:00:06 +0000 Christa Avampato 1994456 at http://www.wisebread.com