Health and Beauty https://www.wisebread.com/taxonomy/term/4803/all en-US Ask the Readers: What Changes Have You Made for Better Health? https://www.wisebread.com/ask-the-readers-what-changes-have-you-made-for-better-health <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/ask-the-readers-what-changes-have-you-made-for-better-health" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="https://wisebread-killeracesmedia.netdna-ssl.com/files/fruganomics/imagecache/250w/blog-images/woman_healthy_water_669861900.jpg" alt="Woman making changes for better health" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p><em>Editor's Note: Congratulations to sweepermom, Sue, and Gina for winning this week's contest!</em></p> <p>For most of us, good health doesn't just drop into our laps. We need to adopt lifestyle habits that allow us to maintain or improve our body's well-being, and these can change when we develop unexpected health issues or simply as we age.</p> <p><strong>What changes have you made for better health?</strong> What convinced you to make the changes? What other benefits have you gained besides improving your health?</p> <p>Tell us about the changes you've made for better health and we'll enter you in a drawing to win a $20 Amazon Gift Card!</p> <h2>Win 1 of 3 $20 Amazon Gift Cards</h2> <p>We're doing three giveaways &mdash; here's how you can win:</p> <ul> <li>Follow us on Twitter</li> <li>Follow our Executive Editor Janet Alvarez on Twitter</li> <li>Tweet about our giveaway for an entry.</li> <li>Visit our Facebook page for an entry.</li> </ul> <p>Use our Rafflecopter widget for your chance to win one of three Amazon Gift Cards:</p> <p><a class="rcptr" href="http://www.rafflecopter.com/rafl/display/79857dfa405/" rel="nofollow" data-raflid="79857dfa405" data-theme="classic" data-template="" id="rcwidget_8fcvcpsc">a Rafflecopter giveaway</a> </p> <script src="https://widget-prime.rafflecopter.com/launch.js"></script></p> <h4>Giveaway Rules:</h4> <ul> <li>Contest ends Monday, August 6th at 11:59 p.m. Pacific. Winners will be announced after August 6th on the original post. Winners will also be contacted via email.<br /> &nbsp;</li> <li>This promotion is in no way sponsored, endorsed or administered, or associated with Facebook or Twitter.<br /> &nbsp;</li> <li>You must be 18 and U.S. resident to enter. Void where prohibited.</li> </ul> <p><strong>Good Luck!</strong></p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> Tell us about the changes you&#039;ve made for better health and we&#039;ll enter you in a drawing to win a $20 Amazon Gift Card! </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="https://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="https://www.wisebread.com/ask-the-readers-what-changes-have-you-made-for-better-health">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="https://www.wisebread.com/is-pet-health-insurance-worth-it">Is Pet Health Insurance Worth It?</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="https://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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="https://www.wisebread.com/ask-the-readers-whats-your-favorite-discovery-of-2010">Ask the Readers: What&#039;s Your Favorite Discovery of 2010</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="https://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-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="https://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> </ul> </div> </div> </div> </div><br/></br> Giveaways Health and Beauty Ask the Readers changes Health Tue, 31 Jul 2018 08:00:13 +0000 Ashley Jacobs 2161516 at https://www.wisebread.com How to Safely Test Makeup Before You Buy https://www.wisebread.com/how-to-safely-test-makeup-before-you-buy <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-safely-test-makeup-before-you-buy" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="https://wisebread-killeracesmedia.netdna-ssl.com/files/fruganomics/imagecache/250w/blog-images/happy_cosmetics_shopper.jpg" alt="Happy cosmetics shopper" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>How many times have you bought new lipstick, only to find the color is less than flattering on you? Or maybe you accidentally purchased the wrong shade of blush, making it look like you stepped right out of a bad '80s movie. We've all been there.</p> <p>Makeup can be quite expensive, and you'd hate to purchase something that doesn't work for you. Testing makeup before you buy can solve many of your beauty woes, but it can lead to a slew of other problems. When everyone uses the same samples, it becomes a breeding ground for bacteria and other icky germs, which can lead to rashes, breakouts, or even worse: infections.</p> <p>The good news is it's possible to safely test makeup before you splurge. With these five tips, you can rest easy knowing you're reducing the risk of contracting any scary diseases when testing makeup. (See also: <a href="https://www.wisebread.com/12-makeup-hacks-from-the-pros?ref=seealso" target="_blank">12 Makeup Hacks From the Pros</a>)</p> <h2>1. Ask for a prepped tester</h2> <p>The first order of business is to ensure the tester is freshly prepped. You can do this by asking a sales associate for assistance. This step is integral because most samples contain some level of contamination. In fact, in a 2004 study conducted by Rowan University, researchers found that after testing makeup samples taken from different companies over the span of two years, 67 to 100 percent of makeup samples contained bacteria. Yuck!</p> <p>To ensure that you're getting a safe and prepped tester, watch the sales associate as they prep the sample. Every type of makeup is prepped slightly differently. For lipsticks, the salesperson should scrape off the top layer of product, then spray or dip it in alcohol, and wipe it off with a tissue. To apply, use a fresh, disposable applicator or brush provided by the salesperson. Don't use your finger or unsanitary brushes to apply a lipstick sample, as you will just contaminate the product further.</p> <p>Since the contamination is just on the outside, lip liners and eyeliner pencils are easy to prep. You simply have to sharpen them. (See also: <a href="https://www.wisebread.com/heres-how-long-your-beauty-products-really-last?ref=seealso" target="_blank">Here's How Long Your Beauty Products Really Last</a>)</p> <h2>2. Test on your wrist</h2> <p>Even with a prepped tester, you should proceed with caution. With many beauty products, contamination can run deeper than just the surface layer, and it's just not worth the risk.</p> <p>Avoid putting any product directly on your eyes or lips since that is where you are most susceptible to contracting diseases. Instead of testing a product on your eyes or lips, try it out on your wrist or the back of your hand. You'll get an idea of what the product will look like on your face while sidestepping the risk.</p> <p>Generally, it's safe to test products on your cheek or neck, since the worst thing that could happen is a rash or breakout. Neither are exactly pleasant, but they aren't potentially life-threatening either. To be extra cautious, wash your face thoroughly when you go home. (See also: <a href="https://www.wisebread.com/15-frugal-and-natural-ways-to-fight-acne?ref=seealso" target="_blank">15 Frugal and Natural Ways to Fight Acne</a>)</p> <h2>3. What to avoid entirely</h2> <p>While testing out products before you buy is certainly helpful, there are some products you should avoid testing altogether.</p> <h3>Mascara</h3> <p>Mascara is nearly impossible to prep safely. Bacteria can stick to the wand fibers, making it dangerous to put near your eyes. You can ask for a tester wand, but that doesn't mean someone before you didn't double dip. Plus, if you use a tester wand, you won't have the opportunity to test the wand that belongs to the mascara, which is part of the product.</p> <h3>Eyeliner</h3> <p>Eyeliner, although generally safe if you sharpen it, can also be dangerous to put near your eyes. Instead of testing out eyeliner on your eyes, try drawing with it on your hand or wrist. This will give you an idea of how the product may look.</p> <h3>Powder products</h3> <p>Any powder makeup, or makeup in pots or small jars should be avoided entirely. Any bit of contamination can affect the whole product by going beneath the surface layer or sticking to the edges of the container, so it's risky even if it's properly prepped.</p> <h2>4. Ask for a fresh sample</h2> <p>While not every store does this, many are happy to provide you a fresh sample upon request. From my experience, stores like Ulta and Sephora keep small samples on hand in the event that customers want a clean test product. Of course, out of courtesy for the store, try to limit the number of fresh samples you are requesting to one or two.</p> <h2>5. Order samples online</h2> <p>Instead of using potentially germy samples in the store, have fresh samples delivered to your door. Many cosmetic stores, like MAC and Sephora, allow you to choose free samples with every online purchase. These mini-makeup products are packaged for individual use, so you can trust that they have not been touched by anyone else.</p> <p>If you're an Amazon Prime member, you have access to the Prime Samples program. You can purchase individual samples of beauty products for $2-$4 each. When you purchase a sample, you receive a credit of equivalent value, which you can redeem on a future purchase of the full-size product if you find something you like. (See also: <a href="https://www.wisebread.com/5-online-stores-that-let-you-try-before-you-buy?ref=seealso" target="_blank">5 Online Stores That Let You Try Before You Buy</a>)</p> <p>Or you can try a beauty subscription service like Ipsy or <a href="https://click.linksynergy.com/fs-bin/click?id=g519OIyP0is&amp;offerid=549588.249&amp;type=3&amp;subid=0" target="_blank">Birchbox</a>. For $10 a month, you receive several samples of beauty products. You can choose the types of products you want in your box, making it an easy and affordable way to sample new makeup. (See also: <a href="http://www.wisebread.com/which-beauty-subscription-boxes-are-worth-the-cost?ref=seealso" target="_blank">Which Beauty Subscription Boxes Are Worth the Cost?</a>)</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=https%3A%2F%2Fwww.wisebread.com%2Fhow-to-safely-test-makeup-before-you-buy&amp;media=https%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520to%2520Safely%2520Test%2520Makeup%2520Before%2520You%2520Buy.jpg&amp;description=How%20to%20Safely%20Test%20Makeup%20Before%20You%20Buy"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="https://wisebread-killeracesmedia.netdna-ssl.com/files/fruganomics/u5180/How%20to%20Safely%20Test%20Makeup%20Before%20You%20Buy.jpg" alt="How to Safely Test Makeup Before You Buy" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="https://www.wisebread.com/rachel-slifka">Rachel Slifka</a> of <a href="https://www.wisebread.com/how-to-safely-test-makeup-before-you-buy">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="https://www.wisebread.com/the-5-best-pressed-powders">The 5 Best Pressed Powders</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="https://www.wisebread.com/the-5-best-false-eyelashes">The 5 Best False Eyelashes</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="https://www.wisebread.com/which-beauty-subscription-boxes-are-worth-the-cost">Which Beauty Subscription Boxes Are Worth the Cost?</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="https://www.wisebread.com/the-5-best-makeup-removers">The 5 Best Makeup Removers</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="https://www.wisebread.com/heres-how-long-your-beauty-products-really-last">Here&#039;s How Long Your Beauty Products Really Last</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Shopping beauty sample beauty tester buying makeup makeup shopping tips test makeup Fri, 20 Jul 2018 08:00:10 +0000 Rachel Slifka 2156333 at https://www.wisebread.com 10 Ways to Avoid Germs on Planes, Trains, and Automobiles https://www.wisebread.com/10-ways-to-avoid-germs-on-planes-trains-and-automobiles <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-ways-to-avoid-germs-on-planes-trains-and-automobiles" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="https://wisebread-killeracesmedia.netdna-ssl.com/files/fruganomics/imagecache/250w/blog-images/fearful_passenger_wears_mask_at_the_airport.jpg" alt="Fearful Passenger Wears Mask at the Airport" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Public transportation is unavoidable, especially if you're on vacation or have to travel for work often. What's also unavoidable is being exposed to the millions of germs from the thousands of passengers that use the same forms of transportation daily. Luckily, there are plenty of ways to protect yourself. (See also: <a href="https://www.wisebread.com/how-being-healthy-saves-you-money-and-why-bad-health-habits-cost-you?ref=seealso" target="_blank">How Being Healthy Saves You Money</a>)</p> <h2>1. Always travel with hand sanitizer</h2> <p>Plane tap water can be full of contaminants, so washing with soap and water on board doesn't guarantee germ-free hands. Travel with a small <a href="https://amzn.to/2KWs3A9" target="_blank">hand sanitizer</a> and sanitize your hands after using the restroom and as soon as you leave the transportation vehicle. Avoid touching your mouth, eyes, or nose until you have left the plane or train and washed your hands properly.</p> <h2>2. Be careful what you drink</h2> <p>Speaking of contaminated tap water on public transportation, avoid ordering tea or coffee, since these beverages are made with tap water. Avoid ice, too. Instead, ask for water out of a water bottle. (See also: <a href="https://www.wisebread.com/7-ways-to-stay-healthy-on-vacation?ref=seealso" target="_blank">7 Ways to Avoid Getting Seriously Sick on Vacation</a>)</p> <h2>3. Pack antibacterial wipes</h2> <p>A small pack of <a href="https://amzn.to/2zhqZ55" target="_blank">antibacterial wipes</a> can also help minimize your exposure to germs on public transportation. Wipe down trays, arm rests, and other parts of the seat area you will touch during a flight or train ride. Use a tissue or wipe to open doors or hang on to poles instead of using your bare hands. In a rental car, wipe down handles, steering wheels, and seats weekly.</p> <h2>4. Avoid small talk</h2> <p>While it might seem rude not to strike up small talk with your seatmate, by keeping to yourself, you will guard yourself against germs that can be passed in cramped spaces. Even talking for a few minutes with someone who is ill can expose you to their germs. (See also: <a href="https://www.wisebread.com/7-everyday-situations-that-introverts-ace?ref=seealso" target="_blank">7 Everyday Situations That Introverts Ace</a>)</p> <h2>5. Practice healthy habits before you travel</h2> <p>The best way to avoid germs while traveling is to make your health a priority before your trip and really safeguard your immune system. Get plenty of rest, eat nutritional meals, stay hydrated, and up your vitamin C intake before leaving. (See also: <a href="https://www.wisebread.com/eat-these-6-foods-to-stay-healthy-while-traveling?ref=seealso" target="_blank">Eat These 6 Foods to Stay Healthy While Traveling</a>)</p> <h2>6. Pick the least crowded transportation option</h2> <p>If you can choose your seat on a plane or train, find one that is away from other people, if possible. This can mean sitting in unoccupied back rows or picking a plane seat where someone does not occupy the middle section. You'll avoid germs <em>and</em> small talk, all at once. Score!</p> <h2>7. Go with a window seat</h2> <p>A 2018 study conducted by The FlyHealthy Research Team and the University of Florida found that people who were in window seats on planes had less contact with other passengers than the middle seat and aisle seat, and as a result, were less exposed to germs. So if you can get into a window seat, it might just improve your health. (See also: <a href="https://www.wisebread.com/how-to-score-an-empty-seat-next-to-you-on-your-next-flight?ref=seealso" target="_blank">How to Score an Empty Seat Next to You on Your Next Flight</a>)</p> <h2>8. Get fresh air</h2> <p>In a car or on a train, open up a window to get fresh air, if possible. Closed cabin air spreads germs throughout the area, so even if you're just taking a road-trip with your family, be sure to crack the windows often.</p> <h2>9. Keep your nose lubricated</h2> <p>One of the reasons flight passengers get sick is because of the low air humidity, which dries out nasal passages and makes our bodies less effective in germ prevention. Travel with <a href="https://amzn.to/2tZUl2D" target="_blank">nasal spray</a> to help prevent this problem.</p> <h2>10. Travel with a water purifier</h2> <p>Devices like a&nbsp;<a href="https://amzn.to/2u1DXPn" target="_blank">UV Water Purifier</a> use UV light to kill bacteria and viruses in water. So even if you don't have already filtered water, or even tap water, you can use a tool like this to gather water from practically any source and stay hydrated without worrying about the water quality.</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=https%3A%2F%2Fwww.wisebread.com%2F10-ways-to-avoid-germs-on-planes-trains-and-automobiles&amp;media=https%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F10%2520Ways%2520to%2520Avoid%2520Germs%2520on%2520Planes%252C%2520Trains%252C%2520and%2520Automobiles.jpg&amp;description=10%20Ways%20to%20Avoid%20Germs%20on%20Planes%2C%20Trains%2C%20and%20Automobiles"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="https://wisebread-killeracesmedia.netdna-ssl.com/files/fruganomics/u5180/10%20Ways%20to%20Avoid%20Germs%20on%20Planes%2C%20Trains%2C%20and%20Automobiles.jpg" alt="10 Ways to Avoid Germs on Planes, Trains, and Automobiles" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="https://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="https://www.wisebread.com/10-ways-to-avoid-germs-on-planes-trains-and-automobiles">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="https://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-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="https://www.wisebread.com/12-preflight-tricks-that-make-long-flights-bearable">12 Preflight Tricks That Make Long Flights Bearable</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="https://www.wisebread.com/your-hotel-room-has-bedbugs-now-what">Your Hotel Room Has Bedbugs. Now What?</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="https://www.wisebread.com/what-to-do-if-you-get-sick-while-traveling-abroad">What to Do if You Get Sick While Traveling Abroad</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="https://www.wisebread.com/stuck-at-the-airport-relax-with-these-14-easy-self-care-tricks">Stuck at the Airport? Relax With These 14 Easy Self-Care Tricks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Travel cold or flu germaphobe germs hand sanitizer health concern healthy habits prevent getting sick travel tips Tue, 17 Jul 2018 08:00:10 +0000 Ashley Eneriz 2156415 at https://www.wisebread.com 12 Preflight Tricks That Make Long Flights Bearable https://www.wisebread.com/12-preflight-tricks-that-make-long-flights-bearable <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/12-preflight-tricks-that-make-long-flights-bearable" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="https://wisebread-killeracesmedia.netdna-ssl.com/files/fruganomics/imagecache/250w/blog-images/woman_enjoys_in_flight_beverage_and_wifi.jpg" alt="Woman enjoys in flight beverage and Wi-Fi" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Sitting still on a jet for an 11, 14, or even 16-hour flight is an endurance sport. Just like running a marathon, it's something you have to train and plan for. It's also kind of like spending the day in the desert, miles from civilization, because although there are a few things your flight attendant will bring you if needed, it's not like you can pop down to the corner store for anything you forgot to bring. You'll mostly be left to survive using your wits and your carry-on bag. So it pays to be prepared.</p> <h2>1. Talk to your doctor about deep vein thrombosis</h2> <p>DVT is a potentially fatal blood clot that sometimes forms in the legs or pelvis, and sitting still for hours on a flight can increase the chances of it happening. If you're worried about this, especially if you have risk factors such as smoking, pregnancy, or obesity, talk to your doctor about precautions. They might recommended compression stockings.</p> <p>Even if you don't have risk factors, look up some in-flight stretches and exercises to get your blood flowing. And make sure to get up and walk around periodically, even if you're in a middle seat.</p> <h2>2. Assemble your life support system</h2> <p>There are lots of <a href="https://wisebread.com/make-flying-easy-the-ultimate-carry-on-packing-list?ref=internal" target="_blank">must-have items for your carry-on bag</a>, but seriously, what you put in that bag is what you have to <a href="https://wisebread.com/9-things-you-should-always-carry-on-an-economy-flight?ref=internal" target="_blank">keep you comfortable, sane, and alive</a> for the next half-day or more. You don't want to be stuck halfway through a 13-hour flight without a product or medication that you normally rely on.</p> <p>Most importantly, pack extras of any <a href="https://wisebread.com/8-things-you-should-always-pack-in-your-carry-on?ref=internal" target="_blank">prescription medications and over-the-counter drugs</a> you might need. I always travel with ibuprofen for those cabin pressure headaches, and melatonin to help me fall asleep at an appropriate time for my destination time zone. A lot of people consider a decongestant helpful as well. The Aerospace Medical Association also recommends a nasal spray and eye drops for keeping your nose and eyes comfortable in the dry cabin air.</p> <p>Then, comfort and hygiene supplies: For me, extra lip balm and a 3 oz. container of my go-to (fragrance free) hand lotion are requirements. A pack of tissues, extra sanitary products, and a couple of adhesive bandages are all clutch. Include your contact case and solution as well as glasses, in case you need to take out your contacts. The Aerospace Medical Association recommends skipping contacts in favor of glasses because of dryness.</p> <p>For sleeping, include a <a href="https://wisebread.com/21-unexpected-items-you-should-always-pack-in-your-carry-on?ref=internal" target="_blank">travel pillow, an eye mask, and ear plugs</a>. Don't forget a hair brush, toothbrush, and any makeup you plan to apply before arriving at your destination. If traveling with a baby, bring more diapers, extra clothes, formula, and pacifiers than you think you would ever need.</p> <p>Throw in a change of clothes for yourself in case anything spills on you, or your checked bag gets lost. Put all this in a carry-on that comfortably fits under the seat, and &mdash; this is important &mdash; that is easy to open and reach things. If you can access your most-used items without pulling out your bag, you're winning at flying.</p> <p>Oh, and don't forget a snack. This <a href="https://www.wisebread.com/15-easy-to-pack-delicious-and-cheap-airline-snacks?ref=internal" target="_blank">list of snacks will help</a>. Most airlines still do serve a meal on international flights, but it might be gross. And if you get hungry in the middle of the night, it can be hard to get the flight attendants' attention to ask for a snack.</p> <h2>3. Make sure you have the right kind of headphones and/or adapters</h2> <p>If you have a late model iPhone, you probably carry lightning plug earbuds that won't work on the headphone jack in your seat, making the in-flight movie a disappointingly silent experience. Same goes for Bluetooth headphones. Some airlines still hand out headphones, but not all.</p> <p>To be safe, pack a pair of earbuds with the old plug, or a <a href="https://amzn.to/2II7DFS" target="_blank">Bluetooth transmitter</a> that can plug into the plane's jack. If you're traveling with a companion, you might also want to throw a <a href="https://amzn.to/2NcGcrc" target="_blank">headphone splitter</a> into your carry-on so you can watch and hear a movie together.</p> <h2>4. Figure out if you can get Wi-Fi</h2> <p>Some airlines offer free Wi-Fi, others offer it for a fee, and still others participate in the Gogo In-flight Internet program, which sells day passes for $19. If you have a high-end travel credit card, check your list of benefits to see if Gogo is included.</p> <h2>5. Make a work plan</h2> <p>If you plan to work on the flight, download any documents you might need, since you can't count on that in-flight internet. Make sure your laptop is fully charged, and bring an extra battery pack or portable charger. If you use a wireless mouse, pack extra batteries for it. If your work is confidential in nature, a laptop privacy screen may be necessary.</p> <h2>6. Make a backup entertainment plan</h2> <p>Don't just assume you'll watch movies provided by the airline. First, your plane might not even be equipped with personal screens. Second, I have been on multiple flights where the entertainment system or Wi-Fi failed. Third, the available movies might not appeal to you.</p> <p>Download TV episodes or a movie onto your laptop, tablet, or phone. If you have a Netflix subscription, you can download some shows and movies there. You can also download books and audiobooks. Bring a portable battery pack for the device you'll be using for entertainment.</p> <p>Always pack something analog to do as well, such as a paper book to read or knitting, or some crossword puzzles, so that you're not stuck <a href="https://www.wisebread.com/10-fun-free-ways-to-entertain-yourself-during-a-flight-delay?ref=internal" target="_blank">making origami out of your in-flight magazine</a> if your devices run out of power. Besides, your eyes will eventually get tired of looking at a screen.</p> <h2>7. Plan the world's most comfortable outfit</h2> <p>Unless you're in a premium class, you probably don't want to tie up the bathroom long enough to change into pajamas during the flight &mdash; or you might not be limber enough to perform the contortions required to change in such a tiny space. I prefer to board the plane wearing something pajama-like. In fact, I've boarded in actual (nonrevealing) pajamas without a trace of shame. But lately, my long-flight uniform is a pair of sweatpants, a T-shirt, and a sweatshirt with a large, soft hood that can supplement my travel pillow.</p> <p>Make sure not to wear anything that might slip or ride up if you fall asleep. This is particularly important if you're lucky enough to be flying in a premium cabin where you can lie down. If there's anything worse than walking down the aisle and seeing a fellow passenger snoozing with her nightgown askew, it would be waking up to realize you <em>are</em> that passenger.</p> <p>The other must for your in-flight wardrobe is layers. When you're sitting on the runway, the plane will be approximately 1 million degrees and stuffy. But once you're in the air, you may get cold.</p> <h2>8. Test drive anything you will use in-flight</h2> <p>This may seem like overkill, but trust me: When you're stuck in a tube in the sky with no urgent care for 5,000 miles, it's a terrible time to realize that a your child is allergic to the medication you just gave them, or even that you wore underwear that won't stay put.</p> <p>Use any medication you're bringing for yourself or your children at least once preflight. Try sleeping overnight in the outfit you plan to wear, down to the socks and underwear. Try the travel pillow, put on the eye mask (and keep it on all night), and test drive the headphones. You won't regret it.</p> <h2>9. Get a good night's sleep</h2> <p>Most people hope to sleep at least some of the hours of a long flight, especially if you'll be arriving at your destination early in the day local time. However, it's a mistake to stay up late or skip sleeping entirely the night before takeoff. It'll put you in a fog when you need to be sharp to get through security and onto the plane without forgetting anything, and if you can't fall asleep on the plane, you'll be truly miserable by the time you arrive.</p> <h2>10. Scrub up &mdash; fragrance free</h2> <p>I don't have to tell you to take a shower before getting on a long flight. But for the sake of the passengers around you, consider using fragrance-free toiletries this time around, and definitely skip any cologne, perfume, or body spray. As the hours pass and the plane air gets stale, these odors can really wear on fellow passengers, especially those who are sensitive or allergic.</p> <h2>11. Eat flight-friendly foods</h2> <p>Avoid taking any culinary risks &mdash; say, eating at an iffy roadside stand &mdash; for 24 hours before the flight, because a jetliner is never a good place to ride out a case of food poisoning. And of course, you want to avoid eating anything that might cause indigestion or &mdash; for the sake of your fellow passengers &mdash; flatulence during the flight. But the Aerospace Medical Association has another reason to avoid gas-forming foods such as beans and cabbage before or during a flight: Any gas inside you expands on takeoff, causing discomfort even for those who could easily tolerate these foods on the ground.</p> <h2>12. Hydrate, hydrate, hydrate</h2> <p>There is something about the physics of air travel that sucks every molecule of moisture out of your body. I know it's tempting to not drink anything before a flight, to avoid having to get up and use the bathroom, but you've really gotta drink water &mdash; at home, at the airport, and on the plane.</p> <p>Because of low humidity in the cabin, the Aerospace Medical Association recommends 8 oz. for every hour you'll be in the air in order to stay comfortable. And avoid sugary, caffeinated, or alcoholic beverages. I never board a plane without a <a href="https://wisebread.com/these-6-things-will-make-your-next-flight-more-comfortable?ref=internal" target="_blank">bottle of water filled up in the terminal</a>, because, ew, airplane water.</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=https%3A%2F%2Fwww.wisebread.com%2F12-preflight-tricks-that-make-long-flights-bearable&amp;media=https%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F12%2520Preflight%2520Tricks%2520That%2520Make%2520Long%2520Flights%2520Bearable.jpg&amp;description=12%20Preflight%20Tricks%20That%20Make%20Long%20Flights%20Bearable"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="https://wisebread-killeracesmedia.netdna-ssl.com/files/fruganomics/u5180/12%20Preflight%20Tricks%20That%20Make%20Long%20Flights%20Bearable.jpg" alt="12 Preflight Tricks That Make Long Flights Bearable" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="https://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="https://www.wisebread.com/12-preflight-tricks-that-make-long-flights-bearable">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="https://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-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="https://www.wisebread.com/your-hotel-room-has-bedbugs-now-what">Your Hotel Room Has Bedbugs. Now What?</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="https://www.wisebread.com/10-ways-to-avoid-germs-on-planes-trains-and-automobiles">10 Ways to Avoid Germs on Planes, Trains, and Automobiles</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="https://www.wisebread.com/how-to-score-an-empty-seat-next-to-you-on-your-next-flight">How to Score an Empty Seat Next to You on Your Next Flight</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="https://www.wisebread.com/what-to-do-if-you-get-sick-while-traveling-abroad">What to Do if You Get Sick While Traveling Abroad</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Travel flight etiquette flight tips flying health tips jet lag long-haul flight travel tips Fri, 06 Jul 2018 08:30:14 +0000 Carrie Kirby 2154693 at https://www.wisebread.com 9 Cheap Ways to Lower Your Blood Pressure https://www.wisebread.com/9-cheap-ways-to-lower-your-blood-pressure <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-cheap-ways-to-lower-your-blood-pressure" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="https://wisebread-killeracesmedia.netdna-ssl.com/files/fruganomics/imagecache/250w/blog-images/woman_snuggling_dog_869287578.jpg" alt="Woman finding cheap ways to lower her blood pressure" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>During a recent routine doctor visit, a loved one was warned that his blood pressure was on the high side. And if it doesn't improve by the next checkup, he might have to start taking medication.</p> <p>This is happening to more and more Americans, since the American Heart Association and American College of Cardiology changed their guidelines for what is considered &quot;high&quot; blood pressure from 140/90 to 130/80. With the new guidelines, nearly half of U.S. adults are classified as having high blood pressure.</p> <p>My loved one hates taking medication. He dreads the side effects, so he asked me to find out all the natural things he could do to get his blood pressure to a healthy place before his next visit. If the actions could be frugal and fun, all the better.</p> <p><em>Note: If you have been prescribed medication for high blood pressure, follow your doctor's orders. Uncontrolled high blood pressure, or hypertension, can lead to a fatal or debilitating stroke, and I would never suggest that you can quit taking your meds and use natural methods to treat high blood pressure instead. But of course, you can take your meds </em>and<em> start living a healthier lifestyle.</em></p> <h2>1. Try a new approach to quit smoking</h2> <p>Smoking is one of the worst things you can do for your blood pressure. Obviously, it's not easy to quit smoking, or there wouldn't be so many people who have tried and failed to kick the habit.</p> <p>There are several tactics proven to increase your chances of quitting for good, including free apps such as the LIVESTRONG MyQuit Coach, or Smoke Free. Counseling and anti-addiction medications are also proven to help, but if money is tight and your health insurance doesn't cover those, try the free apps first. (See also: <a href="http://www.wisebread.com/14-smartphone-apps-that-make-self-care-a-snap?ref=seealso" target="_blank">14 Smartphone Apps That Make Self-Care a Snap</a>)</p> <h2>2. Put in your earbuds</h2> <p>A review of multiple studies from the U.S. National Library of Medicine and National Institutes of Health concluded that listening to music appears to lower blood pressure by reducing anxiety in patients, but it called for more controlled studies to pinpoint the optimal conditions for therapeutic music listening. But if you have a playlist of songs that tend to set your mind at ease, press play as often as you need to feel a little more Zen.</p> <h2>3. Eat at home</h2> <p>You may not think you eat that much salt, because you don't add salt to your food. But guess what? Most of the salt we eat comes from restaurant and processed foods, about 71 percent according to the CDC.</p> <p>&quot;Only a small amount of the sodium we consume each day comes from the salt shaker,&quot; reads the CDC report urging Americans to cut back.</p> <p>So as convenient as it is to hit the drive thru, you can cut out a lot of blood-pressure-raising sodium by preparing meals at home. Home cooking is generally cheaper, too, and won't cost you your health. (See also: <a href="http://www.wisebread.com/25-low-cost-foods-packed-with-nutrition?ref=seealso" target="_blank">25 Low-Cost Foods Packed With Nutrition</a>)</p> <h2>4. Season your food</h2> <p>When you're cooking at home, you can cut sodium even more by reaching for non-sodium seasonings to add a kick, such as garlic, onion powder, and pepper. Some herbs may even lower blood pressure &mdash; basil, cinnamon, ginger, turmeric, and garlic have all been credited with doing so. I save tons of money by ordering my spices online in bulk bags. (See also: <a href="http://www.wisebread.com/12-foods-nutritionists-say-you-should-splurge-on?ref=seealso" target="_blank">12 Foods Nutritionists Say You Should Splurge On</a>)</p> <h2>5. Focus on your breathing</h2> <p>Deep breathing can improve many aspects of your overall health, and blood pressure is certainly one of them.</p> <p>As Dr. Naomi Fisher of Harvard Medical School states, &quot;Doctors often ask patients to breathe deeply before getting their blood pressure taken, for example. But it is also helpful to incorporate deep breathing in a daily routine, especially for &quot;type A&quot; or stress-prone personalities, with an added benefit on blood pressure.&quot;</p> <p>And if you think you won't remember to add a deep breathing session to your daily routine, there are at least half a dozen apps that promise to guide you, ranging in cost from free to $3.99. (See also: <a href="http://www.wisebread.com/6-meditation-alternatives-for-people-with-busy-minds?ref=seealso" target="_blank">6 Meditation Alternatives for People With Busy Minds</a>)</p> <h2>6. Find an exercise you don't hate</h2> <p>The American Heart Association says you should be exercising at least two and a half hours per week, in sessions at least 10 minutes long. You could schedule that time on a treadmill, or you could ask yourself, &quot;what kind of activity would be a treat for me to engage in 30 minutes per day?&quot;</p> <p>I like to exercise while running errands, which has the added benefit of saving on gas and parking. Today, I'll briskly walk to a craft store and the ATM; tomorrow, it will be a bike ride to the grocery store. For some people, making exercise a chance to be social helps, whether it's by scheduling multiple sports games per week, enrolling in a Zumba class, or scheduling a walking date with a friend.</p> <p>Does sex count as a workout? It can qualify as moderate activity, though most acts of intercourse only take about six minutes, and the AHA recommends that exercise sessions last at least 10. So keep that in mind if you plan to make sex your workout for the day. (See also: <a href="http://www.wisebread.com/these-7-exercises-are-scientifically-proven-to-increase-happiness?ref=seealso" target="_blank">These 7 Exercises Are Scientifically Proven to Increase Happiness</a>)</p> <h2>7. Have dessert</h2> <p>OK, a hot fudge sundae isn't going to lower your blood pressure, but there are a couple of sweet treats that can help.</p> <p>Potassium can lessen the effects of sodium, so in addition to reducing sodium in your diet, you can also try <em>adding </em>more potassium-rich foods such as bananas, yogurt, and avocados. Even better, the flavonols in chocolate, especially dark chocolate, have been shown to lower blood pressure. So why not make a smoothie of dark chocolate, banana, and yogurt? (See also: <a href="http://www.wisebread.com/15-reasons-you-should-eat-more-chocolate?ref=seealso" target="_blank">15 Reasons You Should Eat More Chocolate</a>)</p> <h2>8. Get a dog</h2> <p>Studies show that owning a pet &mdash; particularly a dog &mdash; can significantly lower your blood pressure. This is because owning a dog improves our emotional health, as well as requiring us to exercise more in order to care for them.</p> <p>Even if you can't adopt a dog, being around one could still help you. Research shows that our blood pressure dips when we pet or talk to a dog. So volunteering at a local animal shelter or spending time with a friend or relative's pet could work. (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>9. Sleep in</h2> <p>Lack of sleep (five hours of sleep or fewer a night) can cause us to have trouble regulating our stress hormones, which may in turn lead to higher blood pressure.</p> <p>Sleep is free, and good for you in many other ways as well, so making sure to get eight hours a night is a free way to keep your blood pressure in check. (See also: <a href="http://www.wisebread.com/how-getting-more-sleep-helps-your-finances?ref=seealso" target="_blank">How Getting More Sleep Helps Your Finances</a>)</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=https%3A%2F%2Fwww.wisebread.com%2F9-cheap-ways-to-lower-your-blood-pressure&amp;media=https%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F9%2520Cheap%2520Ways%2520to%2520Lower%2520Your%2520Blood%2520Pressure.jpg&amp;description=9%20Cheap%20Ways%20to%20Lower%20Your%20Blood%20Pressure"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="https://wisebread-killeracesmedia.netdna-ssl.com/files/fruganomics/u5180/9%20Cheap%20Ways%20to%20Lower%20Your%20Blood%20Pressure.jpg" alt="9 Cheap Ways to Lower Your Blood Pressure" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="https://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="https://www.wisebread.com/9-cheap-ways-to-lower-your-blood-pressure">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="https://www.wisebread.com/6-ways-to-stay-healthy-while-working-the-night-shift">6 Ways to Stay Healthy While Working the Night Shift</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="https://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="https://www.wisebread.com/6-free-self-care-rituals-to-get-you-through-a-long-winter">6 Free Self-Care Rituals to Get You Through a Long Winter</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="https://www.wisebread.com/7-smart-ways-to-invest-in-your-health">7 Smart Ways to Invest in Your Health</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="https://www.wisebread.com/6-surprising-health-benefits-to-growing-a-garden">6 Surprising Health Benefits of Growing a Garden</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Budgeting Health and Beauty blood pressure health tips healthy habits healthy lifestyle lower your blood pressure Thu, 28 Jun 2018 08:31:16 +0000 Carrie Kirby 2152840 at https://www.wisebread.com Why Health Care Should be Part of Your Retirement Savings Plan, Too https://www.wisebread.com/why-health-care-should-be-part-of-your-retirement-savings-plan-too <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/why-health-care-should-be-part-of-your-retirement-savings-plan-too" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="https://wisebread-killeracesmedia.netdna-ssl.com/files/fruganomics/imagecache/250w/blog-images/making_a_financial_plan_0.jpg" alt="Making a financial plan" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You might think that retirement planning should be all about the fun and rewarding stuff you are saving up for: remodeling your home, traveling, spoiling your grandkids, and enjoying life. But only thinking about the good parts of your retirement leaves a major piece of your future unfunded: health care.</p> <p>The fact of the matter is that health care could be your largest retirement expense &mdash; by a lot. Each year, Fidelity calculates the average cost of medical expenses for a 65-year-old couple retiring during that calendar year. In 2018, Fidelity has calculated that the average couple will need $280,000 in today's dollars to cover medical expenses in retirement &mdash; and that figure does not include long-term care.</p> <p>As heartburn-inducing as that number is, it's not time to panic. Even people earning average incomes can prepare for health care costs in retirement without robbing a bank, moving in with their children, or learning to practice medicine on oneself. Here's what you need to know about medical care in retirement, and how to prepare yourself and your budget for it. (See also: <a href="http://www.wisebread.com/4-affordable-retirement-spots-with-world-class-health-care?ref=seealso" target="_blank">4 Affordable Retirement Spots With World-Class Health Care</a>)</p> <h2>Your health in retirement</h2> <p>Let's start with the bad news: It's likely that your health will deteriorate in retirement.</p> <p>In some ways, it's harder to think about declining health than it is to think about mortality, since we know the latter is inevitable. The statistics on preparing for death vs. preparing for poor health in retirement bear this out, since 42 percent of Americans have a will or estate plan in place, according to a Care.com survey, while the Economic Policy Institute found that only 30 percent of Americans have more than $1,000 saved for retirement.</p> <p>But declining health as you age is a fact of life. According to the CDC, three out of every four Americans over the age of 65 have multiple chronic conditions. These are defined as illnesses or medical conditions that last a year or longer and require ongoing medical attention or limit daily activities.</p> <p>In addition, the Alzheimer's Association reports that one out of every three seniors dies with Alzheimer's or another form of dementia. What is so pernicious about these medical issues is the fact that dealing with chronic health conditions or dementia can be devastating to a retirement budget. (See also: <a href="http://www.wisebread.com/dont-let-poor-health-kill-your-retirement-fund?ref=seealso" target="_blank">Don't Let Poor Health Kill Your Retirement Fund</a>)</p> <h2>What about Medicare?</h2> <p>What is most concerning about the Fidelity calculation of $280,000 for medical care costs in retirement is the fact that the numbers are based on a 65-year-old retiring couple, which means they are eligible for Medicare. In fact, Medicare premiums make up 35 percent of Fidelity's calculation, or $98,000. (The remaining breakdown is 45 percent to co-payments, coinsurance, and deductibles, and 20 percent to prescription drugs.)</p> <p>Medicare costs more than you realize, and covers less than you'd expect. It's important to understand what Medicare does and does not cover. (See also: <a href="http://www.wisebread.com/5-common-medicare-myths-debunked?ref=seealso" target="_blank">5 Common Medicare Myths, Debunked</a>)</p> <h3>Medicare Part A</h3> <p>Medicare Part A, which is also known as hospital insurance, charges no monthly premium for the majority of enrollees. However, Part A coverage is quite sparse. It is called hospital insurance for a reason &mdash; because it only (partially) covers inpatient hospital care, inpatient care in a skilled nursing facility, home health care, and hospice care. In short, Medicare Part A will only pay for a serious medical problem that either lands you in the hospital or is expected to be fatal. It does not cover doctor's visits or prescriptions.</p> <p>In addition, Part A only partially covers this care. You will still have to meet a deductible of $1,340 (for 2018) for each benefit period, and you will be responsible for a coinsurance amount of $335 per day if you stay more than 60 days in a hospital and $167.50 per day if you stay more than 20 days in a skilled nursing facility. (See also: <a href="http://www.wisebread.com/4-common-mistakes-to-avoid-when-you-enroll-in-medicare?ref=seealso" target="_blank">4 Common Mistakes to Avoid When You Enroll in Medicare</a>)</p> <h3>Medicare Part B</h3> <p>This is the part of Medicare that works like regular health insurance. The majority of beneficiaries will pay a monthly premium (which can be deducted from their monthly Social Security check) for this program. As of 2018, the monthly premium for most Medicare Part B beneficiaries is $134, although higher income beneficiaries may have to pay more.</p> <p>On Part B, you will pay all costs for covered services up to the yearly $183 deductible. Once that has been met, you will generally pay 20 percent of the Medicare-approved amount for most doctor services, outpatient therapy, and durable medical equipment. However, Medicare Part B does not cover long-term care (nonmedical help that the elderly may need for daily living), prescription drugs, routine dental or eye care, dentures, hearing aids or exams for fitting them, or routine foot care.</p> <p>These coverage gaps can help explain the astronomical amount of money Fidelity calculates for health care needs in retirement. (See also: <a href="http://www.wisebread.com/how-to-make-sense-of-the-different-parts-of-medicare?ref=seealso" target="_blank">How to Make Sense of the Different Parts of Medicare</a>)</p> <h2>Why you shouldn't panic</h2> <p>While none of this is good news, it's still no reason to go on a bank-robbing spree or start playing the lottery. There are a number of savvy strategies you can adopt right now to help make sure health care does not overwhelm your retirement budget.</p> <h3>1. Take care of your health</h3> <p>Adequate sleep, exercise, and healthy eating may not seem like part of your financial plan, but they can potentially have a greater return than any traditional investment. Taking better care of yourself can help to improve your health and potentially reduce the need for medical care as you age.</p> <p>However, it's important to remember that even the most fit ultramarathoner who consumes only kale smoothies is not immune to the vagaries of poor health. But you will never regret taking care of yourself, because at the very least, it helps you to feel better in the present. (See also: <a href="http://www.wisebread.com/7-smart-ways-to-invest-in-your-health?ref=seealso" target="_blank">7 Smart Ways to Invest in Your Health</a>)</p> <h3>2. Investigate long-term care insurance</h3> <p>One of the biggest coverage gaps in Medicare is long-term care, which is help that a senior might need with daily living activities such as bathing, dressing, eating, and mobility. Private health insurance also does not cover this kind of care, which means any retiree who needs it will be on the hook to pay for it herself. And according to the Department of Health and Human Services, the average 65-year-old today has a 70 percent chance of needing long-term care at some point in the future.</p> <p>Long-term care insurance can potentially fill the coverage gap. This kind of insurance will help pay for your nonmedical long-term care after you have reached the end of the &quot;elimination period,&quot; which can last anywhere from 20 days to 120 days. Until that point, you will pay for your care out of pocket.</p> <p>Long-term care insurance isn't cheap, though. Prices vary, but a 60-year-old couple could expect to pay between $2,700 and $5,600 per year for a policy that pays for $150 per day in care, for a benefit period of three years. (See also: <a href="http://www.wisebread.com/the-best-age-to-buy-long-term-care-insurance?ref=seealso" target="_blank">The Best Age to Buy Long-Term Care Insurance</a>)</p> <p>This kind of insurance is the best option for about 20 to 30 percent of retirees, according to the Center for Retirement Research at Boston College &mdash; those who have a moderate nest egg. For many others, it will make more sense to exhaust their assets to become eligible for Medicaid, which will cover long-term care. (See also: <a href="http://www.wisebread.com/5-ways-to-make-long-term-care-more-affordable?ref=seealso" target="_blank">5 Ways to Make Long-Term Care More Affordable</a>)</p> <h3>3. Consider a health savings account</h3> <p>If you are in good health as you approach retirement, you may want to sign up for a health savings account (HSA). This account, which works a little like an IRA, allows families to contribute up to $6,900 (as of 2018) and individuals to contribute up to $3,450 in pretax income. If you are over the age of 55, you can contribute an additional $1,000 above these limits. The money grows tax-deferred, and as long as you use any withdrawals for qualified medical expenses, they are also untaxed.</p> <p>The downside of HSAs is that you must have a high-deductible health insurance policy to qualify for one. To be considered a high-deductible policy, your insurance must have a deductible of least $1,350 per individual or $2,700 for a family, and an out-of-pocket maximum that is at most $6,650 per individual plan or $13,300 per family plan.</p> <p>This makes HSA plans a bit of a difficult choice. If you enjoy good health as you approach retirement, they can be an excellent option, since you can also make penalty-free nonmedical withdrawals after age 65 (although you will pay taxes). That means your HSA can be one part of your retirement nest egg that can be used for something other than medical care if you continue to have good health.</p> <p>But the high-deductible health plan puts you in a bad position if you get sick before reaching Medicare eligibility. You might end up having to raid your HSA before your official retirement. (See also: <a href="http://www.wisebread.com/how-an-hsa-could-help-your-retirement?ref=seealso" target="_blank">How an HSA Could Help Your Retirement</a>)</p> <h3>4. Open a Roth IRA for health care savings</h3> <p>Roth IRAs are tax-advantaged investment vehicles that allow you to put aside already taxed money into the account, where it grows tax-deferred. As long as you keep the Roth IRA for at least five years and are over age 59&frac12;, you can withdraw funds from the account tax-free. As of 2018, you can set aside $5,500 per year, and savers over the age of 50 can contribute an additional $1,000.</p> <p>This makes the Roth IRA a good place to earmark funds for health care in retirement. Since there is no penalty or tax on withdrawn funds, you do not have to worry about how a big withdrawal for medical care could affect your taxes in retirement.</p> <p>You can determine the asset allocation of your Roth IRA based on your health expectations. If you are in good health as you approach retirement, plan on investing mostly in growth-oriented stocks, since you don't anticipate needing expensive health care until 10 or 20 years after retirement. If you already have a chronic health issue or know that certain medical problems run in your family, you may want to put most of your money in more stable investments, and only allocate a portion for growth. (See also: <a href="http://www.wisebread.com/the-right-way-to-withdraw-money-from-your-retirement-accounts-during-retirement?ref=seealso" target="_blank">The Right Way to Withdraw Money From Your Retirement Accounts During Retirement</a>)</p> <h2>The good, the bad, and the healthy</h2> <p>Health care in retirement does not need to overwhelm your budget. If you make sure you recognize the potential costs and understand Medicare's coverage gaps, you can prepare for your medical needs as you age. (See also: <a href="http://www.wisebread.com/follow-these-5-steps-to-full-health-care-coverage-in-retirement?ref=seealso" target="_blank">Follow These 5 Steps to Full Health Care Coverage in Retirement</a>)</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=https%3A%2F%2Fwww.wisebread.com%2Fwhy-health-care-should-be-part-of-your-retirement-savings-plan-too&amp;media=https%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FWhy%2520Health%2520Care%2520Should%2520be%2520Part%2520of%2520Your%2520Retirement%2520Savings%2520Plan%252C%2520Too.jpg&amp;description=Why%20Health%20Care%20Should%20be%20Part%20of%20Your%20Retirement%20Savings%20Plan%2C%20Too"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="https://wisebread-killeracesmedia.netdna-ssl.com/files/fruganomics/u5180/Why%20Health%20Care%20Should%20be%20Part%20of%20Your%20Retirement%20Savings%20Plan%2C%20Too.jpg" alt="Why Health Care Should be Part of Your Retirement Savings Plan, Too" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="https://www.wisebread.com/emily-guy-birken">Emily Guy Birken</a> of <a href="https://www.wisebread.com/why-health-care-should-be-part-of-your-retirement-savings-plan-too">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="https://www.wisebread.com/5-ways-to-build-retirement-stability-in-your-50s">5 Ways to Build Retirement Stability in Your 50s</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="https://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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="https://www.wisebread.com/4-ways-couples-are-shortchanging-their-retirement-savings">4 Ways Couples Are Shortchanging Their Retirement Savings</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="https://www.wisebread.com/how-one-more-year-of-work-can-transform-your-retirement">How One More Year of Work Can Transform Your Retirement</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="https://www.wisebread.com/how-to-revamp-your-budget-for-retirement">How to Revamp Your Budget for Retirement</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Retirement health care health savings accounts HSA insurance long-term care medicare Roth IRA staying healthy Wed, 27 Jun 2018 08:30:15 +0000 Emily Guy Birken 2152287 at https://www.wisebread.com How to Achieve Your New Year's Resolutions by the End of Summer https://www.wisebread.com/how-to-achieve-your-new-years-resolutions-by-the-end-of-summer <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-achieve-your-new-years-resolutions-by-the-end-of-summer" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="https://wisebread-killeracesmedia.netdna-ssl.com/files/fruganomics/imagecache/250w/blog-images/home_remote_entrepreneur_freelancer_celebrating_fortune_luck.jpg" alt="Home remote entrepreneur freelancer celebrating fortune luck" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>As another school year goes into the history books, and summer vacation is in full swing, there is an elephant in the room. What about all those goals you wanted to achieve back in January? Since close to half of New Year's resolutions are abandoned after a month, there's a good chance you've forgotten yours by now.</p> <p>That's not to say your goals weren't grand. According to a YouGov poll, the top three resolutions in 2018 were to eat healthier, get more exercise, and save more money. Even though the year is half over, there's still plenty of time to check those boxes. Rather than store them away again until next January, let's harness the power of the summer and finish 2018 strong. (See also: <a href="http://www.wisebread.com/10-financial-resolutions-you-can-conquer-before-new-years?ref=seealso" target="_blank">10 Financial Resolutions You Can Conquer Before New Year's</a>)</p> <p>However, doing the same thing and expecting different results is probably not the best approach. If you're serious about accomplishing your goals in the next three months, let's change tactics.</p> <h2>Break your goals into manageable chunks</h2> <p>The reason many of us lose focus is that our goals are very lofty. They're also not well defined. It can be hard to determine whether you've had success if your goal isn't quantifiable. And when we don't see instant results, our motivation can wane. Instead of focusing on that grand goal of weight loss or debt reduction, start with a smaller interim step.</p> <p>Set a specific goal to exercise three times this week or drink two extra glasses of water every day. Now your goal is measurable and a feeling of accomplishment can be achieved, in short order. As time goes on and you achieve the smaller goals, you're likely to sustain the adjusted healthy behavior.</p> <p>If you have a mountain of debt ahead of you, focus on <a href="http://www.wisebread.com/5-minute-finance-track-your-spending?ref=internal" target="_blank">tracking expenses</a> to see where your money is going, and getting a written budget in place before each pay period. (See also: <a href="http://www.wisebread.com/5-steps-to-successful-budgeting?ref=seealso" target="_blank">5 Steps to Successful Budgeting</a>)</p> <p>These smaller tasks are manageable and easy to repeat regularly, but don't get ahead of yourself. Build up momentum during the days of summer so that you can turn this newfound focus into a positive long-term habit way before Christmas rolls around. (See also: <a href="http://www.wisebread.com/25-bite-sized-money-resolutions-to-make-2015-your-biggest-year-yet?ref=seealso" target="_blank">25 Bite-Sized Money Resolutions to This One Your Biggest Year Yet</a>)</p> <h2>Find accountability partners</h2> <p>Use positive peer pressure as the secret sauce needed to remain vigilant. Whether that's an exercise partner, someone with the authority to pinch you anytime you reach for a cigarette, or a <a href="http://www.wisebread.com/want-to-win-at-personal-finance-start-a-money-club?ref=internal" target="_blank">money club</a> who meets regularly to discuss financial goals and priorities. We are not designed to live this life alone. So recruiting someone who can participate in your journey to goal completion can make all the difference.</p> <p>Opening up to someone about things we feel less confident about can be scary. It's hard to be vulnerable and let others in on the big secret that we don't have it all together. The good news is that people in your life already know you have flaws. We all do. Exchange support with your friends and family members because they might need help dusting off and resurrecting their New Year's resolutions, too. (See also: <a href="http://www.wisebread.com/this-trick-could-help-you-finally-pay-off-your-debt?ref=seealso" target="_blank">This Trick Could Help You Finally Pay Off Your Debt</a>)</p> <h2>Make your bed</h2> <p>Make your bed. Every single day.</p> <p>That's what former Navy SEAL, four-star admiral, and former chancellor at the University of Texas &mdash; William H. McRaven &mdash; attributes to his success. He told USA Today, &quot;There's a power behind making your bed every morning. Learn to do the little things well, learn to make your bed right. And that transcends into a lot of other things you do.&quot;</p> <p>His book, <a href="https://amzn.to/2JY7l2e" target="_blank">Make Your Bed: Little Things That Can Change Your Life ... And Maybe the World</a>, discusses his theory of how starting your day off by accomplishing a doable task, like making your bed, sets the tone for the rest of your day. When you have a sense of accomplishment early on, you create a sense of momentum that will build and help you tackle more complex tasks with gusto.</p> <p>So give it a try. For the next three months, start your day by making your bed. See if that doesn't translate into significant progress toward completing those resolutions by Labor Day.</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-to-achieve-your-new-years-resolutions-by-the-end-of-summer&amp;media=https%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520to%2520Achieve%2520Your%2520New%2520Year%2527s%2520Resolutions%2520by%2520the%2520End%2520of%2520Summer.jpg&amp;description=How%20to%20Achieve%20Your%20New%20Year's%20Resolutions%20by%20the%20End%20of%20Summer"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="https://wisebread-killeracesmedia.netdna-ssl.com/files/fruganomics/u5180/How%20to%20Achieve%20Your%20New%20Year%27s%20Resolutions%20by%20the%20End%20of%20Summer.jpg" alt="How to Achieve Your New Year's Resolutions by the End of Summer" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="https://www.wisebread.com/toni-husbands">Toni Husbands</a> of <a href="https://www.wisebread.com/how-to-achieve-your-new-years-resolutions-by-the-end-of-summer">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="https://www.wisebread.com/12-preflight-tricks-that-make-long-flights-bearable">12 Preflight Tricks That Make Long Flights Bearable</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="https://www.wisebread.com/12-reasons-you-cant-focus-and-how-to-fix-it-now">12 Reasons You Can&#039;t Focus — And How to Fix It Now</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="https://www.wisebread.com/9-cheap-ways-to-lower-your-blood-pressure">9 Cheap Ways to Lower Your Blood Pressure</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="https://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="https://www.wisebread.com/14-ways-to-allergy-proof-your-home">14 Ways to Allergy-Proof Your Home</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Productivity achieve your goals get fit health tips new year's goals new year's resolutions to-do list Fri, 22 Jun 2018 08:00:25 +0000 Toni Husbands 2150662 at https://www.wisebread.com How to Protect Yourself From Ticks This Summer https://www.wisebread.com/how-to-protect-yourself-from-ticks-this-summer <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-protect-yourself-from-ticks-this-summer" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="https://wisebread-killeracesmedia.netdna-ssl.com/files/fruganomics/imagecache/250w/blog-images/mother_applying_tick_repellent_on_daughter.jpg" alt="Mother applying tick repellent on daughter" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Afraid of ticks? You should be.</p> <p>Data from the Centers for Disease Control and Prevention reveals that tick-borne illnesses have doubled in the United States over the past 13 years. Then there's the frightening news that a new-to-America tick species (the East Asian tick) has landed in New Jersey, which makes me never want to leave the house again. (I live in New Jersey.)</p> <p>Of course, I can't barricade myself indoors &mdash; it's summertime, and I live by the beach &mdash; but I can employ preventive measures to protect myself from ticks as much as possible. Here's how you can, too. (See also: <a href="http://www.wisebread.com/5-things-to-do-now-to-prepare-your-home-for-summer?ref=seealso" target="_blank">5 Things to Do Now to Prepare Your Home for Summer</a>)</p> <h2>Reduce tick habitats in your yard</h2> <p>One of the best things you can do to control the tick population in your yard is to remove and control their habitats. Cut tall grass, trim foliage, and use a mulch barrier to prevent ticks from traveling into the yard. This won't eliminate ticks altogether, but it will help reduce their presence.</p> <p>It's important, too, to know what types of ticks you're dealing with. TickZapper has published <a href="https://tickzapper.com/blog/tick-identification-guide/)." target="_blank">this handy infographic guide</a> that illustrates the most common ticks, where they're found, what diseases the species transmits, and other characteristics. (See also: <a href="http://www.wisebread.com/6-mosquito-repellent-plants-with-a-dual-purpose?ref=seealso" target="_blank">6 Mosquito-Repellent Plants With a Dual Purpose</a>)</p> <h2>Wear protective clothing when you're in the woods</h2> <p>Long pants aren't always comfortable during the summer, but tucking them into high socks when you're in the woods or traveling through high vegetation is a good idea. It reduces ticks' point of entry onto your skin, which, when in tall brush and weeds, is most likely from the waist down. It's also easier to spot ticks on light-colored clothing, like khakis and white tees. And wearing a hat when out in the woods is ideal as well. (See also: <a href="http://www.wisebread.com/the-5-best-bug-repellents?ref=seealso" target="_blank">The 5 Best Bug Repellents</a>)</p> <h2>Consider deer-proofing your yard</h2> <p>Deer are a common carrier of ticks, and they can deliver them straight to your yard if you live in an area where deer are prevalent. While it may be charming to look out your window and watch deer grazing, it's in your best interest to keep them and other wildlife out if you want to control the tick population. A traditional chain-link fence won't suffice, as deer can jump quite high, so a privacy fence (at least six feet tall) is your best bet. Deer repellent also will help.</p> <p>Matteo Grader, pest control expert at Panther Pest Control, suggests going even further to reduce the presence of all animals.</p> <p>&quot;Remove anything that attracts wildlife to your garden &mdash; bird feeders, bird baths, lodges, or anything where mice and rats can hide,&quot; he says. &quot;Keeping birds, rats, and squirrels away is important because ticks can hitchhike on them and come into your garden.&quot;</p> <h2>Enlist the help of other animals</h2> <p>You may dread the appearance of woodland creatures like raccoons, opossums, squirrels, and groundhogs on your property, but Linda Giampa, executive director of the Bay Area Lyme Foundation in San Francisco, has a genius tip on how these rodents can help in your anti-tick crusade.</p> <p>She suggests leaving around your home toilet paper tubes filled with Permethrin-sprayed cotton balls. The idea is that den- and nest-building critters will take the cotton back to their homes for comfort while inadvertently killing the ticks they're carrying. <a href="https://amzn.to/2JIdtfG" target="_blank">Permethrin</a> also kills mosquitoes, lice, and about 55 other common insects. (See also: <a href="http://www.wisebread.com/4-cheap-and-easy-homemade-mosquito-repellents?ref=seealso" target="_blank">4 Cheap and Easy Homemade Mosquito Repellents</a>)</p> <h2>Hike in the middle of the path</h2> <p>You're going straight into the belly of the beast when on a woodland hike, so try to stick the middle of the trail when under a canopy of treetops and avoid brushing against shrubbery.</p> <h2>Keep the kids away from woodland edges in the backyard</h2> <p>Move sandboxes, swing sets, and other play items away from any tree lines you may have to reduce the probability of ticks climbing onto your children.</p> <h2>Stick 'em in the dryer</h2> <p>Put the clothing you just wore outside into the dryer for 10 minutes on high to kill any ticks that may be hiding in your shorts and shirts. It's not the heat that kills them, it's the lack of moisture, which is something they need to survive.</p> <p>Inspect your gear, too. Ticks may catch a ride on your camping gear, backpacks, coats, and other outdoor items.</p> <h2>Check your entire body, not just your legs</h2> <p>Common areas ticks like to hide on your body include your armpits, in and around your ears, inside your belly button, behind your knees, your private areas (both sides and underneath), around the waist, and especially your scalp.</p> <p>Then you need to repeat the allover inspection again three days after you've been in the woods.</p> <p>&quot;If you've missed any ticks the first time around, and they've had a chance to feed on you, they will be bigger and easier to spot,&quot; says Giampa.</p> <h2>Check your pets</h2> <p>It's not just wild animals that are bringing ticks to you. Your cats, dogs, and other outdoor pets that you allow back into the house are like public transportation for ticks. Your pets should take tick-prevention medication regularly, but you also should run your fingers through their coats and around their ears, necks, and limbs occasionally to be sure they're clear.</p> <h2>Use a tick repellent on your skin</h2> <p>Spray the aforementioned Permethrin on your clothing for protection against ticks (and other insects), and always apply a <a href="https://amzn.to/2laD4Pu" target="_blank">tick repellent</a> on your skin before heading out to wooden or high-vegetation areas.</p> <p><a href="https://amzn.to/2yfAq4s" target="_blank">Products with DEET</a> sometimes get a bad rap &mdash; DEET is a chemical, after all &mdash; but it's the most effective repellent against ticks there is, though small children and pregnant women should apply with caution. Consult with a doctor before use if you have any other concerns.</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-to-protect-yourself-from-ticks-this-summer&amp;media=https%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520to%2520Protect%2520Yourself%2520From%2520Ticks%2520This%2520Summer.jpg&amp;description=How%20to%20Protect%20Yourself%20From%20Ticks%20This%20Summer"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="https://wisebread-killeracesmedia.netdna-ssl.com/files/fruganomics/u5180/How%20to%20Protect%20Yourself%20From%20Ticks%20This%20Summer.jpg" alt="How to Protect Yourself From Ticks This Summer" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="https://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="https://www.wisebread.com/how-to-protect-yourself-from-ticks-this-summer">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-3"> <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="https://www.wisebread.com/6-ways-living-alone-affects-your-health">6 Ways Living Alone Affects Your Health</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="https://www.wisebread.com/10-things-you-can-do-today-to-be-happy">10 Things You Can Do Today to Be Happy</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="https://www.wisebread.com/why-going-to-the-gym-is-a-waste-of-money-time-and-resources">Why Going to the Gym Is a Waste of Money, Time, and Resources</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="https://www.wisebread.com/12-preflight-tricks-that-make-long-flights-bearable">12 Preflight Tricks That Make Long Flights Bearable</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="https://www.wisebread.com/9-cheap-ways-to-lower-your-blood-pressure">9 Cheap Ways to Lower Your Blood Pressure</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Lifestyle bug bites health tips lyme disease mosquito prevention pest control summer tips tick bite tick prevention Thu, 21 Jun 2018 08:31:19 +0000 Mikey Rox 2150578 at https://www.wisebread.com Ask the Readers: What Do You Do for Self-Care? https://www.wisebread.com/ask-the-readers-what-do-you-do-for-self-care <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/ask-the-readers-what-do-you-do-for-self-care" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="https://wisebread-killeracesmedia.netdna-ssl.com/files/fruganomics/imagecache/250w/blog-images/woman_coffee_smile_873903620.jpg" alt="Woman drinking coffee outside for self-care" title="" class="imagecache imagecache-250w" width="250" height="143" /></a> </div> </div> </div> <p><em>Editor's Note: Congratulations to Lynda, Deanna, and Jeff for winning this week's contest!</em></p> <p>Even if you enjoy all the things you do for work, family, and your social life, your days can still be really stressful! That's why it's critical that you each take a breather and do something for yourself once in a while.</p> <p><strong>What do you do for self-care</strong> Do you schedule it in regularly, or do you just sneak it in when you have time? If you had a whole day to pamper yourself, what would that day look like?</p> <p>Tell us what you do for self-care and we'll enter you in a drawing to win a $20 Amazon Gift Card!</p> <h2>Win 1 of 3 $20 Amazon Gift Cards</h2> <p>We're doing three giveaways &mdash; here's how you can win:</p> <ul> <li>Follow us on Twitter</li> <li>Follow our Executive Editor Janet Alvarez on Twitter</li> <li>Tweet about our giveaway for an entry.</li> <li>Visit our Facebook page for an entry.</li> </ul> <p>Use our Rafflecopter widget for your chance to win one of three Amazon Gift Cards:</p> <p><a class="rcptr" href="http://www.rafflecopter.com/rafl/display/79857dfa393/" rel="nofollow" data-raflid="79857dfa393" data-theme="classic" data-template="" id="rcwidget_namufc7e">a Rafflecopter giveaway</a> </p> <script src="https://widget-prime.rafflecopter.com/launch.js"></script></p> <h4>Giveaway Rules:</h4> <ul> <li>Contest ends Monday, June 25th at 11:59 p.m. Pacific. Winners will be announced after June 25th on the original post. Winners will also be contacted via email.<br /> &nbsp;</li> <li>This promotion is in no way sponsored, endorsed or administered, or associated with Facebook or Twitter.<br /> &nbsp;</li> <li>You must be 18 and U.S. resident to enter. Void where prohibited.</li> </ul> <p><strong>Good Luck!</strong></p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> Tell us what you do for self-care and we&#039;ll enter you in a drawing to win a $20 Amazon Gift Card! </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="https://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="https://www.wisebread.com/ask-the-readers-what-do-you-do-for-self-care">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-3"> <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="https://www.wisebread.com/ask-the-readers-whats-your-favorite-discovery-of-2010">Ask the Readers: What&#039;s Your Favorite Discovery of 2010</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="https://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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="https://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-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="https://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-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="https://www.wisebread.com/10-affordable-ways-to-make-spring-break-all-about-self-care">10 Affordable Ways to Make Spring Break All About Self-Care</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Giveaways Health and Beauty Ask the Readers self care Tue, 19 Jun 2018 08:30:20 +0000 Ashley Jacobs 2149554 at https://www.wisebread.com 8 Signs You Need a Social Media Detox https://www.wisebread.com/8-signs-you-need-a-social-media-detox <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-signs-you-need-a-social-media-detox" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="https://wisebread-killeracesmedia.netdna-ssl.com/files/fruganomics/imagecache/250w/blog-images/sad_woman_holding_mobile_phone_while_laying_on_bed.jpg" alt="Sad woman holding mobile phone while laying on bed" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Everyone's on social media these days. However, some of us take it more seriously than others. And some of us have to take it seriously, because our professional success relies heavily on staying connected. Then there are people who are on their accounts all the time, even when they're trying to do other things, like hang out with actual people. But are you one of those people whose obsessed with social media? How would you even know?</p> <p>If you're worried about how much time you're wasting on various platforms, here are a few signs that it's time for a social media detox. (See also: <a href="http://www.wisebread.com/5-ways-freelancers-can-promote-their-work-without-social-media?ref=seealso" target="_blank">5 Ways Freelancers Can Promote Their Work Without Social Media</a>)</p> <h2>1. You feel anxious when you're not scrolling</h2> <p>When you're not online, do you wish you were? Do you wonder what you're missing, hope that people aren't doing anything fun without you, or just feel anxious when you can't be on social media for a while? This anxiety can be a sign that you need to take a break. You should feel more anxious about missing your real life than you do about your online one. Separating from social media for a period of time can help you realize that the world doesn't end when you're not liking posts and battling trolls.</p> <h2>2. The photos you see upset you</h2> <p>Do you regularly see photos of other people's lives that make you feel sad or envious? Do you wish you had that kind of access to fancy homes, creativity, or style? If you're constantly comparing yourself to people online and feeling like you fall short, it may be time to unplug. Take the time to remember how good your own life is. (See also: <a href="http://www.wisebread.com/how-to-keep-social-media-from-ruining-your-vacation?ref=seealso" target="_blank">How to Keep Social Media From Ruining Your Vacation</a>)</p> <h2>3. You never put down your phone</h2> <p>Is your phone always in your hand or nearby, even when you're supposed to be working or having a real-life conversation? If you can't stop checking social media, it's time to put the phone down and walk away. Your online social life doesn't have to interfere with your real one. Delete some of the apps off your phone until they lose their hold over you.</p> <h2>4. You post about your life before you live it</h2> <p>When you're out living your life, do you stage photos specifically for social media? Are you spending a significant amount of time thinking of pithy statements to tweet? Do you think about what to post, or when, or how, even while you're in the middle of doing something fun or actively engaged in an activity? If you think about staging your life for Facebook or Instagram before you live it, it's time to put the phone in your pocket and enjoy what's in front of you. (See also: <a href="http://www.wisebread.com/10-things-to-stop-doing-on-social-media-by-30?ref=seealso" target="_blank">10 Things to Stop Doing on Social Media by 30</a>)</p> <h2>5. You check social media without thinking about it</h2> <p>What do you do when you're bored? Do you automatically go online, just to be sure you haven't missed anything? If your first line of defense against boredom to check your social media accounts, or the first thing you do while you're waiting, you may need to take a break and find other, more meaningful ways to spend your time. Set up other things to do when you would usually check your accounts mindlessly, and take back your time, and your life. (See also: <a href="http://www.wisebread.com/8-ways-social-media-tricks-you-into-spending-more?ref=seealso" target="_blank">8 Ways Social Media Tricks You Into Spending More</a>)</p> <h2>6. Social media interferes with your productivity</h2> <p>Are you online when you should be doing something important? Do work tasks get put off or not done at all because you're scrolling and tweeting instead? If social media is interfering with your productivity, or your to-do list never gets done because you're online, make some changes today. Delete your most addictive apps and download a few task management apps instead to keep you focused. (See also: <a href="http://www.wisebread.com/organize-8-key-areas-of-your-life-with-these-17-smart-apps?ref=seealso" target="_blank">Organize 8 Key Areas of Your Life With These 17 Smart Apps</a>)</p> <h2>7. You make excuses to check in often</h2> <p>When you're out with friends or family, do you find yourself making excuses for checking your social accounts? Maybe you tell them that it's for work, or you go to the bathroom with your phone just so you can check your notifications. If social media has such a strong pull on your life that your loved ones are calling you out and you're making excuses to stay connected, then it's high time to disconnect.</p> <h2>8. You're disengaging from your real life</h2> <p>Do you choose to be online rather than go out with friends? Sure, we all need the occasional evening in, but if you are regularly choosing social media over your friends, or choosing not to go out because you're afraid you'll miss something online, it's time to think about a break. Social media can have a place in your life, but it shouldn't frequently take the place of real-life interactions. (See also: <a href="http://www.wisebread.com/are-you-letting-fomo-ruin-your-finances?ref=seealso" target="_blank">Are You Letting FOMO Ruin Your Finances?</a>)</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%2F8-signs-you-need-a-social-media-detox&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F8%2520Signs%2520You%2520Need%2520a%2520Social%2520Media%2520Detox.jpg&amp;description=8%20Signs%20You%20Need%20a%20Social%20Media%20Detox"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="https://wisebread-killeracesmedia.netdna-ssl.com/files/fruganomics/u5180/8%20Signs%20You%20Need%20a%20Social%20Media%20Detox.jpg" alt="8 Signs You Need a Social Media Detox" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="https://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="https://www.wisebread.com/8-signs-you-need-a-social-media-detox">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="https://www.wisebread.com/heres-how-one-social-media-micro-star-gets-lots-of-free-stuff">How I Scored Tons of Free Stuff By Building a Small Social Media Audience</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="https://www.wisebread.com/flashback-friday-34-smart-ways-to-improve-your-social-media-presence">Flashback Friday: 34 Smart Ways to Improve Your Social Media Presence</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="https://www.wisebread.com/6-ways-social-media-can-save-you-money">6 Ways Social Media Can Save You Money</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="https://www.wisebread.com/5-social-media-stars-who-earn-way-more-than-you">5 Social Media Stars Who Earn Way More Than You</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="https://www.wisebread.com/12-govt-social-media-accounts-you-should-follow">12 Gov&#039;t Social Media Accounts You Should Follow</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Technology Facebook instagram self-care snapchat social media social media detox twitter unplug Mon, 18 Jun 2018 09:00:24 +0000 Sarah Winfrey 2147198 at https://www.wisebread.com 8 Ways to Stay Sun Safe This Summer https://www.wisebread.com/8-ways-to-stay-sun-safe-this-summer <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-ways-to-stay-sun-safe-this-summer" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="https://wisebread-killeracesmedia.netdna-ssl.com/files/fruganomics/imagecache/250w/blog-images/woman_using_sun_cream_on_the_beach.jpg" alt="Woman using sun cream on the beach" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Sunscreen is the first line of defense against sun exposure &mdash; we all know that &mdash; but how else can we protect ourselves from an increased risk of skin cancer during the summer months, and beyond? Consider these helpful tips for protecting yourself against damaging UV rays.</p> <h2>1. Wear a wide-brimmed hat</h2> <p>Ball caps are the headwear of choice for most people, especially men, and while these hats provide some protection against the sun (and critical coverage for bald heads), the bills don't allow for total coverage for the face, including the tip of the nose and chin. For more comprehensive protection, opt for a wide-brimmed hat, like bucket or safari hats. <a href="https://amzn.to/2sMF0RR" target="_blank">Buffs</a> &mdash; just like the ones worn by contestants on <em>Survivor</em> &mdash; are also an option, as the tube shape and soft material allow for maximum coverage and options as to how it can be worn. I can personally recommend the Buff USA UV Collection for its ability to block up to 95 percent of harmful UV rays. (See also: <a href="http://www.wisebread.com/10-ways-to-age-well-for-0?ref=seealso" target="_blank">10 Ways to Age Well for $0</a>)</p> <h2>2. Apply protective film to windows</h2> <p>If you spend a lot of time in your car, or by any window where the sun shines in, look into protective window film to block those strong rays from affecting your skin. This happens frequently to people who drive with the windows down, as your left arm is typically exposed to the sun while it's resting on the door frame.</p> <p><a href="https://www.solargard.com/" target="_blank">Solar Gard</a> developed a revolutionary sun protection technology for its automotive and residential window films, which provides protection equivalent to SPF 285. Its films come recommended by the Skin Cancer Foundation and provides 99 percent protection against UVA and UVB rays.</p> <h2>3. Start your day with a broad-spectrum sunscreen</h2> <p>Sunscreen is an absolute must in the summer, but it's not just for when you go to the beach. René Serbon, Founder of Dermal Systems, suggests applying a <a href="https://amzn.to/2M3qL3O" target="_blank">broad-spectrum sunscreen</a> in the morning during the summer, even when the sun isn't beaming. &quot;Even on cloudy days, the UV rays can still be damaging to the skin,&quot; she says.</p> <p>Don't just think about sunscreen during the summer, though. If you spend more than 20 minutes a day outdoors as part of your job or daily routine, you ought to apply sunscreen habitually to ensure your safety.</p> <h2>4. Touch up with a dry sunscreen as needed</h2> <p>A problem that many makeup wearers face is how to maintain a sunscreen routine with putting on a full face of makeup. Serbon has the answer for that.</p> <p>&quot;I highly encourage all my clients, especially those who wear makeup, to invest in a dry sunscreen,&quot; she says. &quot;To be a sun-smart superstar, you must reapply sun protection every two hours; a dry sunscreen makes that very easy. It can be applied over makeup, and is a physical block, so effective immediately.&quot;</p> <p><a href="https://amzn.to/2JgjsrF" target="_blank">Dry sunscreen</a> (or brush-on sunscreen) can be applied just like foundation, and most of it comes in a brush-tipped tube.</p> <h2>5. Avoid direct sunlight during peak damage times</h2> <p>Strongest sun hours are from 10 a.m. to 4 p.m., and most sun-protection advocates will recommend that you stay out of it altogether. That's not always possible, of course &mdash; that's prime beach time &mdash; so try to lessen your exposure with apparel; accessories, like an umbrella; and a SPF of 30 or higher.</p> <h2>6. Seek the shade whenever possible</h2> <p>Remember the '70s and '80s when everyone was dousing themselves in tanning oil and crisping up their skin like a rotisserie chicken? Those folks are probably regretting that now, because we know exactly what can happen. If you don't get diagnosed with skin cancer, you're gonna look like a shriveled up prune by age 50.</p> <p>&quot;When you feel like baking in the sun, remember that the sun stimulates an enzyme called collagenase, which breaks down collagen fibrils,&quot; Serbon explains. &quot;This equals premature aging and while [there are procedures for that], prevention is the best approach to a youthful glow.&quot;</p> <p>Sit under the umbrella or a tree or the awning of an outdoor bar. You are not a chicken, so protect that delicate skin.</p> <h2>7. Make sure your glasses are up to snuff</h2> <p>Skin protection is important, but what about your eyes? According to the Vision Council's 2015 UV Protection Report, seven in 10 American adults are unaware of the link between sun exposure and serious vision problems. But just like exposure to UV rays can damage our skin, it can also harm the eyes or affect vision.</p> <p>Optometrist Dr. Jennifer Lyerly offers these sun-safe tips:</p> <ul> <li> <p>&quot;Darker lenses don't mean greater protection. Don't be fooled by this misconception.&quot;</p> </li> <li> <p>&quot;Ask your doctor about how protective your glasses are against UVA and UVB rays. They should provide at least 98 percent protection.&quot;</p> </li> <li> <p>&quot;Consider Transitions lenses, which block 100 percent of UV rays and adapt to changing light.&quot;</p> </li> <li> <p>&quot;Wraparound sunglasses will protect your eyes from sun glare.&quot;</p> </li> </ul> <h2>8. Wear long sleeves</h2> <p>If it's not a show-some-skin beach day, opt for long sleeves if you'll be outside for an extended period of time, like working in the yard or out on a hike. Any long-sleeve tee will do, but I like to wear the <a href="https://amzn.to/2sLw7I5" target="_blank">sweat-wicking shirts</a> or <a href="https://amzn.to/2LoyZ5i" target="_blank">SPF-protection shirts</a> since they're light enough to keep me cool, but also protected from harsh rays.</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%2F8-ways-to-stay-sun-safe-this-summer&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F8%2520Ways%2520to%2520Stay%2520Sun%2520Safe%2520This%2520Summer.jpg&amp;description=8%20Ways%20to%20Stay%20Sun%20Safe%20This%20Summer"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="https://wisebread-killeracesmedia.netdna-ssl.com/files/fruganomics/u5180/8%20Ways%20to%20Stay%20Sun%20Safe%20This%20Summer.jpg" alt="8 Ways to Stay Sun Safe This Summer" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="https://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="https://www.wisebread.com/8-ways-to-stay-sun-safe-this-summer">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="https://www.wisebread.com/the-5-best-sunscreens">The 5 Best Sunscreens</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="https://www.wisebread.com/can-beauty-be-this-basic">Can Beauty Be THIS Basic?</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="https://www.wisebread.com/the-5-best-dandruff-shampoos">The 5 Best Dandruff 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="https://www.wisebread.com/4-beauty-products-you-can-make-in-an-instant-pot">4 Beauty Products You Can Make in an Instant Pot</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="https://www.wisebread.com/the-5-best-cleansing-milks">The 5 Best Cleansing Milks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty skin care spf summer beauty summer tips sun exposure sun protection sun safe sunscreen Fri, 15 Jun 2018 09:00:24 +0000 Mikey Rox 2148339 at https://www.wisebread.com 9 Financial Mistakes You're Making at the Doctor's Office https://www.wisebread.com/9-financial-mistakes-youre-making-at-the-doctors-office <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-financial-mistakes-youre-making-at-the-doctors-office" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="https://wisebread-killeracesmedia.netdna-ssl.com/files/fruganomics/imagecache/250w/blog-images/piggy_bank_with_stethoscope.jpg" alt="Piggy bank with stethoscope" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you have an ongoing medical condition, you know how expensive health care can be. Medical costs have skyrocketed the past several years, leaving people facing the very real possibility that doctor's visits, prescriptions, and procedures could deplete their bank account or even land them in debt.</p> <p>There are ways to make medical care more affordable. However, a lot of people miss out on some important discounts. Below, find out what costly mistakes you might be making at the doctor's office.</p> <h2>1. You don't comparison shop for prescriptions</h2> <p>When it comes to medication, the price you pay can vary from location to location. If you go to the same pharmacy every time and never shop around, you could be overpaying for your prescriptions.</p> <p><a href="https://www.goodrx.com/" target="_blank">GoodRX</a> is a site that allows you to compare prices at several different local pharmacies at once, ensuring you get the best price. According to the site, if you had a prescription for the antidepressant Lexapro and filled it at Walmart, you'd pay $46.29. But, if you filled it at Costco, you'd pay just $10.50.</p> <h2>2. You don't ask for generic medication</h2> <p>If your doctor prescribes you a new medication, going with a name brand can cost you hundreds or even thousands of dollars. For example, if you were to fill a prescription for Crestor, a medication for high cholesterol, it would cost you about $825 for a 90-day supply, according to Drugs.com. By contrast, if you got the generic version &mdash; rosuvastatin &mdash; you'd pay just $96 for the same supply.</p> <p>When you're at the doctor's office, be sure to ask your doctor if there is a cheaper generic version available.</p> <h2>3. You don't use a discount prescription card</h2> <p>If you don't have insurance and need to fill a prescription, you can expect a hefty bill. However, you might not have to pay the sticker price on your own.</p> <p>There are free discount programs you can sign up for to get your prescriptions at a much cheaper price. For example, if you sign up for a program like <a href="https://familywize.org/" target="_blank">FamilyWize</a>, you can get up to 90 percent off your prescriptions' prices. (See also: <a href="http://www.wisebread.com/7-ways-you-can-save-money-on-prescription-medications?ref=seealso" target="_blank">7 Ways You Can Save Money On Prescription Medications</a>)</p> <h2>4. You don't show up to appointments</h2> <p>Many doctor's offices are cracking down on people who miss appointments by charging them no-show fees. These fees can run anywhere from $20 to the price of a full visit, which can easily cost you hundreds.</p> <p>If you can't make an appointment, contact the office as soon as possible to cancel or reschedule. If you do so early enough, you can prevent no-show fees from being added to your account.</p> <h2>5. You don't always pay your bills on time</h2> <p>If you owe your doctor money but don't pay your bill on time, you can quickly rack up late fees and interest charges. Over time, your bill can balloon thanks to those penalties. What's worse, if your doctor decides to send your delinquent account to a collections agency, your credit will also take a hit.</p> <p>It's important that you make all of your payments on time. If you're in danger of falling behind, contact your doctor's office right away to see if you can get on a more affordable payment plan. It's better to be upfront about your situation than to ignore it.</p> <h2>6. You use the emergency room for illnesses and minor injuries</h2> <p>If you go to the emergency room for minor injuries or illnesses like strep throat or the flu, you could end up spending thousands. According to a 2016 report by the Health Care Cost Institute, an emergency room visit cost an average $1,917. That's an awful lot to pay for the flu.</p> <p>In many cases, going to an urgent care facility rather than the emergency room can be a more cost-effective option. An urgent care visit typically costs between $100 and $200 out of pocket. These facilities can handle most minor illnesses or injuries, including broken bones. (See also: <a href="http://www.wisebread.com/urgent-care-or-er-how-to-decide-where-to-go?ref=seealso" target="_blank">Urgent Care or ER? How to Decide Where to Go</a>)</p> <h2>7. You don't negotiate costs</h2> <p>Although you can't negotiate costs like copays or coinsurance &mdash; your insurance provider determines those &mdash; you can negotiate services and treatments that aren't covered by insurance.</p> <p>If your insurance provider refuses to cover a necessary service, explain to the office administrator that you'll be paying out of pocket and ask if they offer any discounts for cash-paying patients. In some cases, you may pay significantly less than if you used insurance. (See also: <a href="http://www.wisebread.com/7-ways-to-negotiate-medical-bills?ref=seealso" target="_blank">7 Ways to Negotiate Medical Bills</a>)</p> <h2>8. You see out-of-network providers</h2> <p>If you've always gone to the same doctor, finding a new one might be a real pain, and you might put off finding someone else. However, if your current doctor is out of your insurance provider's network, this can be a costly mistake.</p> <p>Depending on the type of insurance plan you have, your insurance company might only cover a portion of a visit with an out-of-network doctor. If you have an HMO, they might not cover any of it, and you'll be solely responsible for the charges. Taking the time to find a doctor within your network can save you money (and headaches) over time. (See also: <a href="http://www.wisebread.com/how-to-choose-the-best-primary-care-physician?ref=seealso" target="_blank">How to Choose the Best Primary Care Physician</a>)</p> <h2>9. You don't keep copies of your test results</h2> <p>If you need to have an MRI, CT scan, or blood work done, ask the doctor or lab technician for a copy of your results. Keeping a copy for yourself can help you in the future if another doctor wants to run the same tests. If you have a recent version, you can skip getting another round of expensive tests, saving you a lot of money.</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%2F9-financial-mistakes-youre-making-at-the-doctors-office&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F9%2520Financial%2520Mistakes%2520You%2527re%2520Making%2520at%2520the%2520Doctor%2527s%2520Office.jpg&amp;description=9%20Financial%20Mistakes%20You're%20Making%20at%20the%20Doctor's%20Office"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="https://wisebread-killeracesmedia.netdna-ssl.com/files/fruganomics/u5180/9%20Financial%20Mistakes%20You%27re%20Making%20at%20the%20Doctor%27s%20Office.jpg" alt="9 Financial Mistakes You're Making at the Doctor's Office" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="https://www.wisebread.com/kat-tretina">Kat Tretina</a> of <a href="https://www.wisebread.com/9-financial-mistakes-youre-making-at-the-doctors-office">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="https://www.wisebread.com/4-common-mistakes-to-avoid-when-you-enroll-in-medicare">4 Common Mistakes to Avoid When You Enroll in Medicare</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="https://www.wisebread.com/7-ways-you-can-save-money-on-prescription-medications">7 Ways You Can Save Money On Prescription Medications</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="https://www.wisebread.com/5-places-to-check-out-medical-care-for-the-uninsured">5 Places to Check out Medical Care for the Uninsured</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="https://www.wisebread.com/8-credit-repair-mistakes-that-will-cost-you">8 Credit Repair Mistakes That Will Cost You</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="https://www.wisebread.com/why-health-care-should-be-part-of-your-retirement-savings-plan-too">Why Health Care Should be Part of Your Retirement Savings Plan, Too</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Health and Beauty billing copays doctor's offices drugs health care insurance late payments medications Mistakes no show fees prescriptions Mon, 04 Jun 2018 08:30:18 +0000 Kat Tretina 2145006 at https://www.wisebread.com 6 Must-Haves for Your Travel First Aid Kit https://www.wisebread.com/6-must-haves-for-your-travel-first-aid-kit <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-must-haves-for-your-travel-first-aid-kit" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="https://wisebread-killeracesmedia.netdna-ssl.com/files/fruganomics/imagecache/250w/blog-images/first_aid_kit_in_a_backpack_tourists.jpg" alt="First aid kit in a backpack tourists" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Even though getting injured or sick while traveling is the last thing you want to happen, you certainly want to be prepared just in case. You might not need to use a first aid kid, and it'll take up space in your luggage, but you'll still benefit from the peace of mind knowing you can patch up any minor scrapes or ailments that arise.</p> <p>There's no need to go overboard and turn yourself into a walking pharmacy &mdash; just a few basic first aid items can cover you in multiple situations. Whether it's an extended vacation or a short road trip, carrying a travel first aid kit with you is always a good idea. Here's what you should include. (See also: <a href="http://www.wisebread.com/13-essentials-every-emergency-bag-should-have?ref=seealso" target="_blank">13 Essentials Every Emergency Bag Should Have</a>)</p> <h2>1. Wound dressings</h2> <p>Probably the most common injuries for most travelers are cuts and scrapes, so wound dressings are an essential part of any travel first aid kit. To make sure that you're ready to deal with various wounds, you should take a selection of different dressings. Just a few of each will usually do.</p> <h3>Bandages</h3> <p>Buy a packet of <a href="https://amzn.to/2KUhkm7" target="_blank">adhesive bandages</a> that contains a variety of sizes, and if you're doing anything active like hiking, include some <a href="https://amzn.to/2GNetc6" target="_blank">blister patches</a> as well, so you can protect any blisters from getting worse and infected. Make sure they are of a good quality, as there's nothing worse than a blister bandage that doesn't actually stick.</p> <h3>Gauze</h3> <p>Because gauze is a sterile material, it has many medical uses, from cleaning a wound to protecting a burn. And it can even be used as a makeshift bandage for medium-sized wounds if you have nothing else. It often comes in rolls, but medical <a href="https://amzn.to/2LuXvTh" target="_blank">gauze pads</a> are also handy since they're individually packaged.</p> <h3>Medical tape</h3> <p><a href="https://amzn.to/2LqUH9K" target="_blank">Medical tape</a> is used for wrapping around a wound like a bandage or gauze pad to keep the area sterile. It can also be used to form a makeshift sling for breaks or dislocations, or to provide support to a joint like a twisted ankle.</p> <h2>2. Painkillers</h2> <p>Headaches or minor aches and pains can be debilitating, so it's worth bringing a small number of painkillers with you whenever you travel. Acetaminophen, ibuprofen, or any other brand of painkiller that you're used to taking can be a lifesaver on the road.</p> <h2>3. Tweezers</h2> <p><a href="https://amzn.to/2IZ1Csz" target="_blank">Tweezers</a> will come in handy in many sticky situations. They can be used for removing wood splinters, shards of glass, small stones, bee stings, or anything else that might be left behind in a wound that's too small or too dangerous to remove with your hands.</p> <h2>4. Allergy medication</h2> <p>Bites, stings, or minor allergic reactions to things that we're not used to coming into contact with are relatively common on the road. Antihistamines allow you to quickly and effectively reduce swelling, rashes, and other allergic symptoms in a pinch. Antihistamines come in pill form and <a href="http://www.wisebread.com/the-5-best-anti-itch-creams?ref=internal" target="_blank">topical creams</a>, and should be used according to directions. (See also: <a href="http://www.wisebread.com/10-allergy-free-snacks-that-are-safe-for-almost-everybody?ref=seealso" target="_blank">10 Allergy-Free Snacks That Are Safe for Almost Everybody</a>)</p> <h2>5. Anti-diarrhea medication</h2> <p>Having an upset stomach while traveling overseas is a regular occurrence for many travelers. Diarrhea can be caused by food poisoning, non-potable water, or simply the presence of different bacteria to what people are used to. Usually the best remedy for diarrhea is rest and hydration, but if you've got something organized like a bus tour that you don't want to miss, then it's not always possible to stay in. Anti-diarrhea meds will provide some short-term relief to allow you to carry on. (See also: <a href="http://www.wisebread.com/what-to-do-if-you-get-sick-while-traveling-abroad?ref=seealso" target="_blank">What to Do if You Get Sick While Traveling Abroad</a>)</p> <h2>6. Electrolyte tablets</h2> <p>Diarrhea, particularly in a warm climate, can lead to severe dehydration if you're unable to retain water. <a href="https://amzn.to/2satQpI" target="_blank">Electrolyte tablets</a> allow you to rehydrate rapidly and enable your body to absorb the salts, electrolytes, and minerals that you have lost.</p> <h2>How to pack your travel first aid kit</h2> <p>A travel first aid kit can be packed into a small container that you can carry around with you wherever you go. This container should be made from a hard material, and ideally waterproof, to keep it in good condition.</p> <p>Always keep any pills or medication in its original packaging, as some officials will only allow it through customs if it's in its original packaging. You don't want it to be confiscated before your trip even begins.</p> <p>Don't pack items like tweezers and scissors in your hand luggage. Make sure they are in your checked baggage to avoid any issues with TSA checks.</p> <p>Always double check the legality of the medications you are planning to take with you before traveling by contacting the relevant embassy. Some countries are extremely strict about what can and can't be taken across their borders, with the potential for you to be charged with drug trafficking if you break these laws, even unintentionally. Better to be safe than sorry.</p> <p>If you are traveling with prescribed medicines, it's advisable to take a copy of your prescription with you when heading abroad. Most medications come with instructions on how to use them, which may be useful if it's not a medication you take regularly. Also make sure you are aware of your medication's generic name, not just its brand name, so you're able to get more in an emergency situation. It might also be worth having the names of your pre-existing illnesses translated into the local language before leaving, in case you're unable to communicate this information with local health care 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" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F6-must-haves-for-your-travel-first-aid-kit&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F6%2520Must-Haves%2520for%2520Your%2520Travel%2520First%2520Aid%2520Kit.jpg&amp;description=6%20Must-Haves%20for%20Your%20Travel%20First%20Aid%20Kit"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="https://wisebread-killeracesmedia.netdna-ssl.com/files/fruganomics/u5180/6%20Must-Haves%20for%20Your%20Travel%20First%20Aid%20Kit.jpg" alt="6 Must-Haves for Your Travel First Aid Kit" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="https://www.wisebread.com/nick-wharton">Nick Wharton</a> of <a href="https://www.wisebread.com/6-must-haves-for-your-travel-first-aid-kit">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-3"> <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="https://www.wisebread.com/the-5-best-emergency-kits">The 5 Best Emergency Kits</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="https://www.wisebread.com/12-preflight-tricks-that-make-long-flights-bearable">12 Preflight Tricks That Make Long Flights Bearable</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="https://www.wisebread.com/your-hotel-room-has-bedbugs-now-what">Your Hotel Room Has Bedbugs. Now What?</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="https://www.wisebread.com/10-ways-to-avoid-germs-on-planes-trains-and-automobiles">10 Ways to Avoid Germs on Planes, Trains, and Automobiles</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="https://www.wisebread.com/what-to-do-if-you-get-sick-while-traveling-abroad">What to Do if You Get Sick While Traveling Abroad</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty Travel cuts and scrapes first aid first aid kit packing must-haves travel necessities travel tips Fri, 01 Jun 2018 08:30:27 +0000 Nick Wharton 2144234 at https://www.wisebread.com Best Money Tips: Things That Medicare Doesn't Cover https://www.wisebread.com/best-money-tips-things-that-medicare-doesnt-cover <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-things-that-medicare-doesnt-cover" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="https://wisebread-killeracesmedia.netdna-ssl.com/files/fruganomics/imagecache/250w/blog-images/healthcare_money_doctor_859186988.jpg" alt="Learning what Medicare doesn&#039;t cover" 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 things that Medicare doesn&rsquo;t cover, how to make a perfect roasted chicken, and simple ways to cut moving costs.</p> <h2>Top 5 Articles</h2> <p><a href="https://www.kiplinger.com/slideshow/retirement/T039-S001-7-things-medicare-doesn-t-cover/index.html">7 Things Medicare Doesn't Cover</a> &mdash; Medicare Part A and Part B cover a large portion of your medical expenses after you turn 65, but they still leave some pretty significant gaps in your health care coverage. [Kiplinger]</p> <p><a href="https://www.sustainablecooks.com/the-perfect-roasted-chicken/">How to Make a Perfect Roasted Chicken Every Time</a> &mdash; Here's the secret to making a perfectly juicy, fantastically flavorful roasted chicken every time! [Sustainable Cooks]</p> <p><a href="https://www.frugalwiz.com/7-simple-ways-cut-cost-moving/">7 Simple Ways To Cut The Cost Of Moving</a> &mdash; If you're moving a long distance, consider using FedEx or UPS to ship some of your nonessentials. [Frugal Wiz]</p> <p><a href="https://www.getrichslowly.org/home-improvement/">The proactive homeowner: How to stay on top of home improvement</a> &mdash; Don't let your house fall into disrepair. Develop a maintenance schedule to take care of routine chores like cleaning the gutter, washing windows, and trimming greenery. [Get Rich Slowly]</p> <p><a href="http://www.thefrugalcottage.com/7-low-cost-ways-to-make-your-home-a-nicer-place/">7 Low Cost Ways To Make Your Home A Nicer Place</a> &mdash; An inexpensive bunch of grocery store flowers will brighten your home just like that! [The Frugal Cottage]</p> <h2>Other Essential Reading</h2> <p><a href="https://www.popsugar.com/smart-living/Marie-Kondo-Packing-Tips-43791709">Packing Can Spark Joy With These 9 Tips From Organizing Expert Marie Kondo</a> &mdash; Use cloth shoe bags with fun designs that you love. Your shoes will be protected and you'll feel a bit of joy every time you see the bags. [PopSugar Smart Living]</p> <p><a href="https://www.becomingminimalist.com/inheritance/">Inheritance: It&rsquo;s More than You Think</a> &mdash; Inheritance isn't just the material goods you leave your kids. [becoming minimalist]</p> <p><a href="https://www.livingwellspendingless.com/2018/05/24/the-one-thing-that-holds-us-back/">The One Thing That Holds Us Back</a> &mdash; Limiting beliefs can come in all shapes and sizes, and can show up in different areas of our lives to keep us from reaching our full potential. [Living Well Spending Less]</p> <p><a href="https://adventuresfrugalmom.com/how-to-maintain-cleanliness-and-orderliness-at-home/">How to Maintain Cleanliness and Orderliness At Home</a> &mdash; A clean and orderly home means a healthier, more productive household. [Adventures of Frugal Mom]</p> <p><a href="https://www.leahingram.com/best-wedding-bridal-registry-save-money/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=best-wedding-bridal-registry-save-money">7 Best Bridal Registry Programs That Save You Money</a> &mdash; These wedding registry programs offer freebies, bonus gifts, and other incentives that help you save money. [Leah Ingram]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="https://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="https://www.wisebread.com/best-money-tips-things-that-medicare-doesnt-cover">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-4"> <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="https://www.wisebread.com/why-health-care-should-be-part-of-your-retirement-savings-plan-too">Why Health Care Should be Part of Your Retirement Savings Plan, Too</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="https://www.wisebread.com/5-common-medicare-myths-debunked">5 Common Medicare Myths, Debunked</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="https://www.wisebread.com/how-to-make-sense-of-the-different-parts-of-medicare">How to Make Sense of the Different Parts of Medicare</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="https://www.wisebread.com/8-tips-for-getting-the-most-out-of-your-medicare-plan">8 Tips for Getting the Most Out of Your Medicare Plan</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="https://www.wisebread.com/how-to-compare-medicare-part-d-plans-a-beginner-s-guide">How to Compare Medicare Part D Plans: A Beginner’s Guide</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Health and Beauty best money tips medicare Fri, 25 May 2018 08:30:24 +0000 Amy Lu 2143837 at https://www.wisebread.com 14 Ways to Allergy-Proof Your Home https://www.wisebread.com/14-ways-to-allergy-proof-your-home <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/14-ways-to-allergy-proof-your-home" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="https://wisebread-killeracesmedia.netdna-ssl.com/files/fruganomics/imagecache/250w/blog-images/woman_with_allergy_symptoms_blowing_nose.jpg" alt="Woman with allergy symptoms blowing nose" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>While most people are rejoicing over the arrival of spring, allergy sufferers know that with the warmer weather also comes sniffling, sneezing, and itchy eyes. Even though you won't be able to avoid all allergens, there are several ways to allergy-proof your home in order to keep the sneezing to a minimum.</p> <h2>1. Use doormats to catch outside irritants</h2> <p>Use two doormats, one outside and one right inside the front door to catch any pollen and other allergens hanging onto our shoes. Better yet, make your home a shoe-free zone and make a habit of taking off your shoes as soon as you come home.</p> <h2>2. Replace bedding with hypoallergenic options</h2> <p>Upgrade your sheets, pillows, pillowcases, duvets, and comforters to hypoallergenic versions. If you can't afford to replace all of your bedding at once, start with the pillowcases, since those are the closest to your face when you sleep. Your laundry detergent could cause allergy flare-ups, too, so wash with unscented soaps.</p> <h2>3. Clean or replace air filters</h2> <p>Clean or replace your home's air filters every 90 days if you are a pet-free home or every 60 days if you have a dog or cat. If you have more than one pet, clean or replace the air filters every 20-45 days. Pet fur and dander cling to these easily, and could be the cause of increased allergic reactions.</p> <h2>4. Add houseplants</h2> <p>Some house plants can help improve the air quality of your home, while also adding color and life to every room you put them in. The best air-purifying plants include garden mums, spider plants, and peace lilies, among others. Place one or more of these plants in the rooms you spend the most time in, and on your nightstand to help improve your sleep. (See also: <a href="http://www.wisebread.com/the-best-cheap-plants-for-improving-indoor-air-quality?ref=seealso" target="_blank">The Best Cheap Plants for Improving Indoor Air Quality</a>)</p> <h2>5. Invest in an air purifier</h2> <p>A good <a href="https://amzn.to/2wHDnKl" target="_blank">air purifier</a> will cost you between $50-$100, but it is a worthwhile investment. Keep one in your room, your kid's room, and in the main living area. Remember to clean the filters and wipe down the unit every month or two to ensure the unit stays effective.</p> <h2>6. Use a humidifier</h2> <p>The difference between air purifiers and humidifiers is that the former clears smoke, dust, pollen, pet dander, and other allergens from the indoor air without adding moisture, and the latter adds water to the air, without cleaning it.</p> <p>In order to keep allergic reactions at bay, it's helpful to have both in your home. If indoor air becomes too dry, allergies and respiratory issues can be triggered. If the air has too much moisture, you risk the spread of dust and mold. Humidifiers should be cleaned once a week in order to prevent dust and mold buildup. So while it's a delicate balance, it's worth it to keep a humidifier nearby to the prevent sneezing fits, sore throats, and runny noses that are common during allergy season.</p> <p><a href="https://amzn.to/2L4pKb6" target="_blank">Humidifiers</a> are also extremely affordable, running you anywhere from $15&ndash;$50, depending on the size and model.</p> <h2>7. Rethink your curtains</h2> <p>While curtains and drapes can make a room look stylish and cozy, they can also harbor a lot of dust mites and other common allergens. Consider ditching the curtains altogether, or wash them in hot water every few months to remove allergens.</p> <h2>8. Kick your pet out of bed</h2> <p>Even if snuggling with your dog or cat is the best part of your day, health-wise, it might be worth it to kick them out of your bedroom and have them sleep elsewhere. If you can't get your dog or cat out of the room, at least train them to sleep somewhere other than your bed, so you aren't constantly exposing your airways to their fur and dander. (See also: <a href="http://www.wisebread.com/6-money-lessons-you-can-learn-from-your-pets?ref=seealso" target="_blank">6 Money Lessons You Can Learn From Your Pets</a>)</p> <h2>9. Wash stuffed animals</h2> <p>Kids' stuffed animals can be major magnets for dust mites. Be sure to wash them regularly and don't be afraid to give a sweet teddy the boot (or replace it with a new one if your child is particularly attached) if it looks past its prime.</p> <h2>10. Get rid of carpet</h2> <p>This might not be in everyone's budget or realistic for everyone's lifestyle, but it could be highly beneficial for allergy sufferers, especially those who live in older homes. Your carpet might be the source of many of your allergy problems, especially if it has lived through another owner or two. Getting the carpets cleaned can help, but it doesn't eliminate the allergy problem like replacing carpets for hard floors does.</p> <h2>11. Keep an eye out for mold</h2> <p>Deep clean any area that is prone to mold, including the kitchen sink and underneath it, the bathroom, and the fridge. And any item that is regularly exposed to moisture can get moldy, so clean toys, garden tools, cleaning utensils, and kitchen tools to avoid allergic reactions and respiratory conditions involved in long-term exposure to mold. (See also: <a href="http://www.wisebread.com/6-easy-ways-to-get-rid-of-mold-on-common-household-items?ref=seealso" target="_blank">6 Easy Ways to Get Rid of Mold on Common Household Items</a>)</p> <h2>12. Groom pets regularly</h2> <p>Getting long-haired pets trimmed or shaved for the spring and summer months can cut down on shedding, and reduce unwanted allergens in your home. If your pet can't rock a shaved look, give them baths regularly in the warmer months and brush out their fur outside.</p> <h2>13. Dust smarter</h2> <p>It's important to dust regularly, but dusting the wrong way can make particles fly up into the air and aggravate your sinuses. Instead, use a damp cloth or a <a href="https://amzn.to/2IMkA5C" target="_blank">Swiffer duster</a> that captures the dust molecules instead of spreading them.</p> <h2>14. Use a vacuum cleaner with a HEPA filter</h2> <p>A <a href="https://amzn.to/2Ild0PR" target="_blank">vacuum with a high-efficiency particulate air (HEPA) filter</a> is extremely effective at removing small dust particles from your home. Vacuum carpets and furniture once or twice a week, and change the HEPA filter according to your vacuum manual.</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%2F14-ways-to-allergy-proof-your-home&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F14%2520Ways%2520to%2520Allergy-Proof%2520Your%2520Home.jpg&amp;description=14%20Ways%20to%20Allergy-Proof%20Your%20Home"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="https://wisebread-killeracesmedia.netdna-ssl.com/files/fruganomics/u5180/14%20Ways%20to%20Allergy-Proof%20Your%20Home.jpg" alt="14 Ways to Allergy-Proof Your Home" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="https://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="https://www.wisebread.com/14-ways-to-allergy-proof-your-home">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-4"> <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="https://www.wisebread.com/the-5-best-allergen-sprays">The 5 Best Allergen Sprays</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="https://www.wisebread.com/how-to-spring-clean-your-whole-life-one-step-at-a-time">How to Spring Clean Your Whole Life — One Step at a Time</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="https://www.wisebread.com/control-your-allergies-with-regular-cleaning">Control Your Allergies with Regular Cleaning</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="https://www.wisebread.com/spring-into-cleaning-now">Spring into Cleaning Now</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="https://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 Home allergens Allergies allergy-proof health tips pollen sneezing spring spring cleaning Wed, 23 May 2018 09:00:24 +0000 Ashley Eneriz 2142704 at https://www.wisebread.com