By shopping around for the credit card signup bonuses that you’ll get the most out of, you can save a significant amount of money. While having a very high credit limit may pose danger, credit cards are still important for functioning in the world today. By keeping your spending between $500 and $1500, you can earn significant rewards so long as you remember to pay off your balance during each billing cycle.

Let’s take a look at some of the best credit card signup bonuses.

Capital One Venture Rewards Credit Card

If you are someone who loves to travel, then this is the credit card for you. The Capital One Venture Rewards card lets you earn two travel miles with each dollar you spend. In addition, you can earn 10 miles on each dollar that you spend on hotel accommodation.

The benefits don’t stop there. As a signup bonus, this card comes with no annual fee during the first year. Other perks include:

1. Earning 50,000 miles (to the value of $500) for every $3,000 you spend in the first three months. 
2. A free travel credit to the value of $100 for TSA Precheck or Global Entry fees.
3. Enjoy a zero percent APR for 12 months after you sign up. Once the 12 months are up, you will incur a rate varying between 15.24 percent and25 .24 percent.
4. No transfer fee is required when constructing balance transfers. 

Citi Simplicity Credit Card

With this credit card, you will benefit from a zero percent interest rate on all purchases during the first 12 months. In addition, if you decide to transfer your balance to another card, you will receive a zero percent introductory rate valid for the first 21 months. All transfers do, however, have to be made within four months of opening your account with either a five percent or $5 fee, depending on which is greater.

Additional benefits include:

• No annual fee
• Zero late fees
• Zero penalties arising from late payments
• The ability to choose your billing date
• Unauthorized charges carry no liability
• Fraud protection

Capital One Quicksilver Cash Rewards Credit Card

This card carries an array of signup bonuses, most notably a zero percent interest rate on both purchases and balance transfers for your first 15 months following signup. Upon expiration of this special offer, your purchases and balance transfer rates will vary between 15.24 percent and 25.24 percent. Another great perk is that for your first three months following signup, you will earn a $150 bonus after spending your first $500. 

Other great benefits include:

• Zero foreign transaction fees
• No annual fee
• Cashback on any amount spent with no expiration date
• When traveling, you’ll receive travel accident insurance along with 24-hour assistance if needed
• Emergency card replacements, as well as cash advances, are always available
• Selected items that you purchase with this card will be covered by an extended warranty 
• Any car rentals that are paid for with this card will be protected for theft and collision damage

Discover it Balance Transfer Credit Card

Arguably this card’s greatest reward is its cashback benefits. This card offers five percent cashback at grocery stores, gas stations, restaurants, Amazon.com, and other selected merchants, while one percent cashback is guaranteed for all other purchases. If that’s not enough reason to signup for this card, Discover will also match the total cashback that you earn throughout your first 12 months using the card. This credit card allows you to redeem your rewards at any time, while the fact that none of its rewards have an expiration date will provide you with peace of mind. 

For your first six months, this card will come with a zero percent APR rate on all purchases. You will also have the option of transferring high-interest balances without interest within your first 18 billing cycles. Once your regular interest rate kicks in, you could pay anywhere from 14.24 percent to 25.24 percent depending on your credit score. 

Bank of America Cash Rewards Credit Card

With this Bank of America rewards card, you can earn $200 cashback upon spending $1,000 in your first 90 days. What’s more, is that you’ll benefit from a zero percent introductory interest rate on all purchases for your first 12 months. If you decide to transfer high-interest credit card balances within your first 60 days of using this card, you can reap the benefits of Bank of America’s low APR special offer.

Upon deciding on a favorite spending category, you can enjoy a three percent cash back on all card purchases within that category. If that’s not enough, car holders also receive two percent cash back on all grocery store and wholesale club purchases. Important to note, however, is that these cashback offers only apply to the first $2,500 that you spend within each calendar quarter. Other purchases include one percent cashback.

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Fortunately, you do not have to incur such high television costs if you know how to avoid them. Here is how you can save on your monthly cable bill.

Research Your Options

First of all, it’s important to note that you do not have to stick with the cable package that you currently have. Do some comparison shopping between different cable providers in your area and see what packages they offer as well as their pricing. This will allow you to truly see which cable company has the best internet and cable deals. You may also find that some cable providers, such as Comcast, offer a cable and internet senior discount.

Take note that you may be subject to an early cancellation fee if you decide to switch packages. This shouldn’t dissuade you from making a change however, as this extra expense will be offset when you start paying lower monthly fees. Make a detailed list of all the providers in your area as well as the packages they offer so that you can make an informed decision.

Consider Selecting a Smaller Cable Package

Think about how many cable channels you actually use. If you find that you do not make use of many of the channels on offer, then it may be worthwhile to switch to a cheaper package that offers fewer channels. After all, there’s no point in paying for channels that you never watch.

Write down the names of all of the channels that you regularly watch and then compare them with all of the channels that are currently on offer with your chosen package. If you only watch a small portion of channels on offer, then perhaps its time for a downgrade.

Find a Product Bundle

Oftentimes, cable providers offer internet connections and home telephone services in addition to television packages. If you are someone who makes use of these services, then it may be worthwhile to inquire as to whether your provider has any cheap cable and internet offers that come in a bundle package. Subscribing to multiple services in a bundle is significantly cheaper than subscribing to each one individually. Remember to check out offers from other cable providers so that you can know where to find the best cable and internet bundles out there.

Eliminate Your Modem and DVR Charges

If you take a moment to carefully inspect your cable bill, you may find that you are being charged between $5 and $20 per month for your DVR. With online streaming services and video on demand, there are very few reasons left to record a show that you miss on DVR. It is, therefore, worthwhile to see if you can eliminate this cost.

If you have an internet package, then another recurring charge that you may be faced with is a fee for your wireless router or modem. This fee can easily be avoided by purchasing your own wireless router or modem so that you no longer have to rent one out.

By purchasing your own DVR, modem or wireless router, you can avoid paying an excessive monthly charge while still being able to use your own equipment if the day comes that you decide to switch cable providers.

Cut Down On The Number Of Cable Boxes You Own

Oftentimes, when initially signing up for cable, your provider may offer you multiple cable boxes for free or at a discounted price. Such promotions usually run for a limited time, and once they are over, the cost of said cable boxes could skyrocket. In fact, you may find yourself paying anywhere between $3 and $12 per month for every additional cable box you own.

If you find yourself typically only watching cable on one TV set, then it would be a good idea to cut down to only one cable box.

Negotiate a Better Deal

While prices may appear to be set in stone, this is sometimes not the case. By contacting a customer service representative and expressing your dissatisfaction with your current cable bill or services on offer, you might be able to score a sneaky discount. There may even be a promotional package on offer that you’re not aware of.

Go Cold Turkey

While there are plenty of ways to reduce your cable bill, the most effective way to limit your expenses would be to cancel your cable plan in its entirety. While this may seem like a daunting challenge, there are a number of alternative entertainment platforms that you can make use of in place of cable television.

For example, satellite and digital television services are also widely offered and could prove to be sufficient alternatives. There are also numerous streaming services that allow you to watch all your favorite shows at a fraction of the cost! These often include video-on-demand services, where you only pay for the programming that you want to watch.

Reduce Your Cable Bill Today!

By using the above tips, you can enjoy cheap TV, phone and internet service packages. Remember that you can begin your hunt for the best deals with a simple online search. Try using keywords such as Cable and Internet Providers Near Me and begin saving on your cable bill today!

The post This is How You Could Be Saving On Your Cable Bill appeared first on styleourlife.com.

In the words of an iconic screenwriter, “a good story always revolves around the relationships between humans.” This statement holds much weight, considering how interesting human beings are! While we each have our own personalities and opinions, the study of psychology can greatly help us to understand how the human mind really works. As we reach retirement age, we find ourselves wondering how to fill up the additional free time on our hands. One meaningful way in which you could fill up your schedule is by pursuing an online degree in psychology.

By studying online, you no longer need to be physically present in a classroom or pay hefty tuition fees. You will also be given the flexibility of designing your own schedule!

Understanding the human mind 

With all the stress and pressure that comes with living in the modern world, an increasing number of people are searching for psychological help.

Psychology is the discipline that helps us to understand the inner workings of the human mind. Those who study psychology are able to determine why we act the way we do. In the last 50 years, this field has undergone tremendous developments, and today, people who struggle with psychological disorders are provided with the assistance they need.

Psychology experts now say that many of the new innovations in this field have allowed them to better understand how the human mind works than ever before.

Self-growth has no limits!

What’s great about psychology is that it is a field that anyone can begin studying right away, regardless of age or gender. This makes it an ideal field of study for someone who wants to learn continuously.

Seniors: do not let your age discourage you from learning! Satisfying your thirst for knowledge is both an enjoyable and fulfilling journey. Psychology offers plenty of courses to choose from. In fact, you can even pursue a master’s degree online! 

By understanding psychology, you can get an insider’s look at how people make decisions. Now you can understand why people behave the way they do!

The post Are You A Senior? Revitalize Your Life With Psychology Courses! appeared first on styleourlife.com.

For many people, particularly seniors, fixed-income investments are proving to provide the best way forward to achieving financial independence. These investments provide consistent returns on your initial investment, meaning that you can become a beneficiary of continual financial growth. Let’s take a look at the best fixed-income investments available to you so that you can effectively grow your retirement savings.

How Fixed-income Works

Fixed income funds provide investors with a monthly payout. This means that retirees who invest in a fixed income fund can continue to receive a steady income even after leaving their full-time jobs. In fact, most fixed-income funds are specially designed for retirees so that they can cover their monthly expenses. While a set amount is typically paid out to the investor on a monthly basis, there are sometimes the options for receiving weekly, quarterly, or annual payouts.

Oftentimes, seniors invest in multiple fixed income funds. This is done as a means of diversifying one’s risk. For example, one fund could provide stable, regular payouts while another fund could be a little more high risk. There is also the option for reinvesting a portion of your returns back into the fund, thereby allowing for the potential to receive higher payouts in the future.

Remember to do thorough research before committing to a fixed income fund. After all, not every fund comes with the same level of risks and rewards.

What Fixed Income Funds Are Available to You?

There are plenty of different fixed-income funds available to you, depending on your financial goals. While some people prefer to handle their own fixed income portfolio management, others prefer to invest in fixed income ETFs or managed funds. Of course, there is always the option to consult with a professional financial adviser, who will help you to select high yield investments for a fee.

Here are the categories of fixed-income investments that you can consider investing in:

Treasury bonds: These bonds are issued by the U.S. government. While they are typically low in risk, they offer minimal returns.

Government and agency bonds: these types of bonds are offered by a variety of nation’s governments, with risk varying depending on the country in which that government operates.

Municipal bonds: these are bonds that are issued by local municipalities across the United States. These are low-risk bonds that exempt from income taxes.

Corporate bonds: some of the best performing fixed-income funds come in the form of bonds issued by companies looking to raise capital. These can be high-yielding bonds should these companies enjoy substantial growth.

Mortgage-backed securities: these mortgages are sold by banks and can often provide investors with substantial fixed income.

Certificates of deposit: this is one of the most easily accessible fixed income trading options available. While certificates of deposit carry very low risk, returns are also minimal.

Preferred stock: An opposed to issuing bonds, some companies decide to rather raise capital by issuing special notes that can be converted to common stock at a later stage.

Why You Should Seriously Consider Investing In Fixed-Income Funds

Here are some of the major reasons as to why fixed-income investments are ideal for retirees as well as those approaching retirement:

• While fixed-income investments allow you to plan for your future, they do not require you to consistently dip into your capital during times of financial difficulty.
• Many fixed-income investments are exempt from tax, meaning that you can avoid being subject to financial loss as a result of tax increases and other tax risks.
• There re several fixed-income funds, such as treasury bonds and municipal bonds, that carry low levels of risk compared to other investments.
• Adding fixed-income investments to your portfolio results in a more diverse portfolio that will provide you with more protection during times of economic uncertainty.

Find the Right Fixed-Income Investment For You!

As you have now seen, fixed-income investments provide a whole host of benefits that can play an enormous part in securing your financial stability in the future. This is particularly true for people who are in or near retirement, as fixed-income funds can pay out a steady monthly income that can greatly help you remain financially independent.

Of course, it’s important to remember that not every fixed-income investment out there is going to meet your personal financial requirements. It is, therefore, vital that you conduct sufficient research before choosing a fixed-income fund to invest your hard-earned money into.

Start by conducting an online search of the different types of funds available to you as well as some highly- recommended financial advisers in your area. By consulting with a professional financial adviser, you can be pointed in the right direction. It is advisable that you get a number of opinions from various authorities so that you can make the soundest financial decision. After all, by making the right investment decision, you can secure your future income while ensuring that you remain financially stable and independent!

The post Looking to Build Consistent Retirement Savings? Try Fixed Income Investments! appeared first on styleourlife.com.

While determining your Medicare coverage may seem like an insurmountable task, it is well worth looking into some of Medicare’s unique benefits. Just one of these benefits could be a brand new bed! Let’s look at how you can get a bed that’s covered by Medicare:

Let’s Start By Understanding The Definition Of Durable Medical Equipment

Medicare may pay for your bed in part or in full if it is considered to be Durable Medical Equipment.

Durable Medical Equipment (DME) is any type of medical-related equipment that helps patients to function in their daily lives. DME needs to be considered medically necessary, and therefore, prescribed for use by your doctor. Some examples of DME include oxygen tanks and wheelchairs.

Here are the requirements that need to be met in order for a product to be considered a DME:

• The product is used for a medical purpose
• It is durable and not disposable
• It is only beneficial to someone who is injured or sick
• It can be used in the comfort of your own home
• The equipment has a life span of at least three years

If a piece of equipment that you had your eye on meets the above criteria, then Medicare may be able to cover up to 80% of its cost. As such, there are a number of beds that are categorized as DMEs and therefore approved by Medicare.

Which Type Of Beds Could You Be Covered For?

As you can see, there are a few requirements that need to be met to qualify a bed as being a DME. To make your life easier, here are the categories of beds and bed-related equipment that are typically approved for Medicare coverage:

1. Pressure-reducing beds
2. Pressure-reducing mattresses
3. Pressure-reducing mattress overlays

By conducting a thorough online search, you can find a whole host of beds and mattress deals that can be covered by Medicare. During your search, it is important to ensure that the beds, mattresses and mattress overlays that you find are in fact Medicare-approved. Try using search keywords such as mattress sale near me so that you find relevant deals in your area.

In the best-case scenario, Medicare will agree to cover 80 percent of the bed or mattress cost, leaving you responsible for paying the remaining 20 percent of the cost. Considering that prices for bed-related equipment are normally exorbitant, this is a great savings opportunity that Medicare subscribers should definitely look into.

To ensure that you qualify for Medicare coverage on your bed or mattress purchase, review your personalized Medicare health plan or talk to a Medicare representative. This way, you can ensure that you are covered by Medicare before you splash the cash on a new bed or mattress.

Here Are Some Of The Best Pressure Relief Mattresses Available To You

Fortunately, mattresses that are considered to be DME and are, therefore, covered by Medicare are not too difficult to find. Here are some of the mattresses on sale that you could consider opting for:

1. Solace Resolution Glissando Heavy Duty Mattress

This double memory foam mattress is designed to reduce friction and distribute pressure evenly to deliver ultimate comfort. As a result, this mattress is ideal for anyone who has a history of suffering from ulcers.

2. Joerns PrevaMatt Defend Pressure Relief Mattress

If you’re on the hunt for mattresses that relieve back pain, then this is the mattress for you! Not only does its foam materials relieve pressure, but it is also created from sustainable and plant-based materials- meaning that it contains fewer chemicals.

3. Drive Medical Therapeutic 5 Zone Support Mattress

With its ability to target five therapeutic pressure zones, this mattress will provide you with the ultimate sense of comfort and support. It is also latex-free and able to reduce friction, meaning that you will be able to enjoy a painless and irritation-free sleep.

4. ThevoRelief Pressure Relief Mattress

If you’re someone who is looking for a mattress that relieves body aches and pain while providing back support, then look no further! This mattress is specially designed to stimulate your nerve tracts, thereby providing you with a night of restful sleep.

5. Drive Medical Alternating Pressure Low Air Loss Mattress System

This mattress has the ultimate pressure-reduction system. Not only was it designed to prevent, treat and heal ulcers, but it also alternates pressure points in order to minimize friction! What’s more, is that it has advanced settings such as a choice between an active mode and static mode, or even intervals between the two!

Start Your Search Today!

If you’re interested in receiving Medicare coverage on your next bed-related purchase, set up a consultation with your doctor. Once you receive a prescription, you will be able to begin the search for a Medicare-covered mattress.

A simple online search is the best place to start. This will allow you to discover the variety of available to you with the click of a button!

Of course, it is always important to ensure that your chosen bed or mattress is Medicare-approved before making a final purchase. Review your personal Medicare plan to ensure that you are covered for your chosen bed or mattress.

By doing the required research, you can improve your overall wellbeing and enjoy a comfortable night’s sleep!

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So, What Is Medicare Plan F?

This is the primary Medicare supplement plan. As a supplement plan, Plan F serves the purpose of addressing certain medical issues that are not covered by Parts A and B (the original Medicare plans) or by Part C (which covers some additional health issues). As such, Plan F can provide seniors with substantial benefits.

eHealth Medicare has named Medicare Plan F as the most comprehensive supplement plan that Medicare has to offer. While it may be an expensive plan, it nevertheless remains one of the most popular choices amongst seniors due to leaving them with very few out-of-pocket expenses. After all, Plan F covers the additional aspects of health care that Parts A, B, and C do not.

According to eHealth Medicare, Plan F provides great value for money, particularly to those who are experiencing increased copayments and deductibles. Very importantly, it is able to cover regular costs associated with routine medical procedures.

Unfortunately, the benefits provided by Plan F (along with Part C) may soon be disappearing. After all, Plan F may be going away in 2020 due to big government changes.

Why is Plan F Coming to an End?

Seeing as Plan F is such a popular choice for seniors, you may be wondering why this successful plan is being scrapped. The short answer is that Congress voted to phase it out.

This is not the first time that Congress has removed one of the Medicare supplement plans. Boomer Benefits reported that in both 1990 and 2010, other supplement plans were also phased out by Congress. Just some of the plans that fell by the wayside were Plans E, H, I, and J. 2020 looks to be no different.

The reason why Medicare Plan F is on the brink of being scrapped is because of the attempt to promote the Medicare Access and CHIP Reauthorization Act (MACRA) of 2015. This statute was passed with the intention of providing doctors with fair pay. Of course, in order for more funds to be made available for improved compensation of doctors, the money would have to be taken from other places. Ultimately, Plan F (along with Part C) would be cut in order to make these funds available.

As a Medicare Subscriber, What Should You Do Now?

While the phasing out of Plan F may cause you some concern, you need not worry. There are still a number of ways that you can take action and ensure that you get the most comprehensive Medicare coverage available. Before you decide on a plan of action, you need to first consider These are the ways in which the upcoming changes will affect Medicare subscribers:

• Current Plan F Subscribers: These subscribers will keep their Plan F coverage. The elimination of this plan will not affect their existing healthcare benefits.
• Anyone Eligible for Medicare Before January 1, 2020: There is the possibility of signing up for Part C or Plan F.
• Those Who Qualify for Medicare On or After January 1, 2020: Plan F will not be available to you. You will need to explore other forms of coverage.

As can be seen from the above information, existing Medicare subscribers who were already eligible for Plan F prior to January 1, 2020, will be able to continue enjoying the benefits of Plan F. The only ones who will not be able to enjoy the benefits of Plan F are those who were not eligible for this plan before the start of 2020.

Regardless of whether or not you are eligible for coverage, it is still necessary to perform a Medicare supplement plan comparison. This is because the prices for Medicare plans are always changing. Also, remember to keep a lookout for new Medicare plans that may arise in substitute for Plan F.

If you are still eligible for Plan F, make sure to keep track of Medicare supplement Plan F rates. If not, then make sure to monitor the rates of other plans so that you can enjoy the most affordable plans with comprehensive coverage. Last but not least, make sure to keep your eyes peeled for any changes, updates, or additions that may need to be applied to your Medicare plan.

The post A Harsh Reality: Medicare Plan F May Disappear In 2020 appeared first on styleourlife.com.

One rising trend in the housing market is the purchase of homes made out of shipping containers. These homes are able to meet all of your housing requirements while saving you tons of money! By getting hold of some insulated shipping containers, you could design your own easily-customizable home that proves to be far more affordable than traditional homes. Here is why you should consider investing in a shipping container home in the future.

Shipping Container Homes Are Extremely Affordable

Business Insider reported that the average cost of purchasing a home in the United States is $243,000, with much room for price variation. In areas with high costs of living, such as Hawaii and California, the average home can cost around $636,451 and $554,886 respectively. With shipping containers, on the other hand, such steep expenses are not an issue.

The cost of making a home out of converted shipping containers is relatively cheap, with a 20-foot by 8-foot container being available for around $2,800 according to Quicken Loans. 360 Mobile Office listed containers for the unbeatable price of just $1,400!

At such low prices, constructing a home out of shipping containers is an economically feasible feat- even for those with a large family! For example, if you decided to purchase five containers to suit your family’s needs, this will cost you around $14,000 in total- far less than a traditional home!

While shipping containers may need to be converted from their current state into a functional home, this is not an impossibly exorbitant project. According to 360 Mobile Office, the construction costs for transforming a shipping container into a home can be in the range of $10,000.

While this may cost a significantly higher sum, you could build a shipping container home that looks more like a traditional home if you’re willing to plan for a budget in the region of $150,000 to $175,000. This is still far cheaper than the cost of a traditional house!

Shipping Containers Are Freely Customizable

Sure, a traditional home can be remodeled and customized, but this is a costly task that can only be achieved to a limited extent. A home comprised of shipping containers, however, can be remodeled for a much lower cost with more room for creativity.

While the layout of a shipping container home can be altered, you needn’t concern yourself over the structural strength of the home. After all, shipping containers are made from steel, making them durable, sturdy and super strong while remaining cost-efficient!

With shipping containers, design possibilities are endless. You can choose to improve your home’s insulation by adding insulated shipping containers or even build rooms using multiple containers. Each shipping container is a blank slate, allowing you to decide where to install the air conditioning, electrical setup and, of course, the plumbing.

Buying and Building a Shipping Container Home is Faster and Easier

The process of finding and purchasing a home is enough to leave anyone with exhaustion and stress. Not only is it incredibly costly, but there are plenty of smaller details to take care of, not limited to the realtor fees, purchase fees, inspections, and more. Fortunately, by choosing to build a shipping container home, you can wave goodbye to a number of these strenuous tasks.

Shipping container homes are cheaper, easier, and quicker to build, not to mention sturdy and reliable! The process of building a shipping container home is smooth- you can even purchase shipping containers online! Try doing an online search using keywords such as Converted Storage Containers Near Me or Converted Insulated Storage Container Near Me in order to find reliable search results. By conducting an online search, you can find shipping containers of different shapes and sizes all from the comfort of your own home!

Not only can you find shipping containers that are already converted into homes online, but you can also find bare shipping containers that you can tailor according to your vision. Start by taking some time to learn about the construction process. From there, you can select the right shipping containers, set your budget, and begin construction. You can design your shipping container home from the ground up according to your every desire!

According to 360 Mobile Office, the construction time for a shipping container home is 30 percent faster than that of a traditional home. So, what are you waiting for? Do your research and start the construction process for your dream home today!

The post Why You Should Consider Living In a Shipping Container Home! appeared first on styleourlife.com.

What Are The Warning Signs?

Most of the symptoms experienced with lung cancer are not easily identifiable from the get-go. Rather, they grow more prominent as the disease spreads throughout the lungs. Here are just some of the first indications of lung cancer:

1. Chest pain that agitates you when laughing, coughing, or taking deep breaths
2. Constant coughing
3. Wheezing
4. Having a short breath
5. No appetite
6. Frequently contracting illnesses such as bronchitis and pneumonia
7. Coughing up blood
8. Low fatigue/sleepiness

As the disease worsens in severity, lung cancer can start affecting other areas of the body, causing symptoms to develop in those areas as well. Just some of these symptoms may include:

1. Changes to the nervous system, such as seizures or poor balance
2. Jaundice
3. Bone pain
4. Lumps near the skin’s surface

How to Diagnose Lung Cancer

Contrary to popular belief, imaging tests, not blood tests, are used to determine if there are any growths present in the body. This is then followed up by lab tests that locate the presence of cancer cells and confirm the official diagnosis.

Just some of the imaging tests that are used are:

• X-ray: this will help to locate unusual masses in the lungs
• CT Scan: a more detailed method than x-rays, this scan can detect enlarged lymph nodes
• Low-Dose CT: this CT Scan involves a low dose of radiation and takes a high-resolution image that will help detect any tumors at an early stage
• MRI Scan: this method uses radio waves and strong magnets to detect if cancer has spread to the brain or the spinal cord
• PET Scan: this involves injecting sugar into the blood. Because they grow quicker than normal cells, cancer cells will absorb more of the sugar and show up in the scan more prominently
• Bone Scan: by injecting a low-level radioactive material into the bones, doctors can tell if cancer has spread to any of the bones
• Bronchoscopy: this test checks for the presence of large tumors and blockages. This involves inserting a flexible tube down into the bronchi of the lungs.

Treatment for Lung Cancer

Like with most forms of cancer, lung cancer can be treated in numerous ways, with patients potentially receiving a combination of treatments depending on their circumstances. Such treatments include:

Surgery

Because surgery is so complex, a pulmonary functioning test is typically administered first so that it can be ensured that there will be enough healthy lung left behind to survive. The most popular form of surgery, in this case, would be lobotomy, whereby one of the lung’s lobes are removed. When a tumor is too close to the center of the chest, a pneumonectomy could be performed, which involves removing an entire lung.

Radiofrequency Ablation

This is a common treatment for small tumors on the outer edges of the lungs. High energy waves heat the tumor with the objective of destroying the cancerous cells and even removing the growth. Apart from some pain and tenderness, this treatment has almost no side effects.

Chemotherapy

This method involves taking special drugs either orally or intravenously. Chemotherapy is often used to either assist in surgical treatments or used together with radiation therapy. These specially administered drugs can make growths smaller and easier to handle during surgery or could be used to eliminate any traces of cancer that were not removed during surgery.

Immunotherapy

This type of therapy is used for a number of reasons, such as killing cancer cells, strengthening patients’ immune systems and limiting the symptoms caused by other treatments. This treatment is not as widely used as other treatments, as many patients do not respond to it. Also, this treatment has numerous side effects, such as constipation, nausea, fatigue, and loss of appetite.

Targeted Therapies

These types of therapies involve administering drugs to target different issues. Some drugs, Avastin and cyramza, target angiogenesis, which is known as blood vessel growth. EGFR inhibitors are a type of drug that targets EGFR, a form of protein that is found on the surface of cancerous cells that help them grow at a quicker rate. 

In addition to the treatments mentioned above, new research is constantly being conducted to determine new lung cancer treatments. New clinical trials are happening all the time, so these might be worth considering. The most important thing is that, if you detect any warning signs of lung cancer, you seek medical attention as soon as possible. The sooner a diagnosis is made, the more treatment options will be available to you. 

The post What You Need to Know About Lung Cancer appeared first on styleourlife.com.

If you are someone who is seeking a challenging, fulfilling career, then a career in nursing may be right up your alley. If so, then you are in luck — your nursing education can be completed in a short amount of time with minimal financial setbacks. 

Let’s take a look at the top five reasons that make completing a nursing degree worth your while. 

Job Security

According to the US Bureau of Labor, the nursing employment rate is expected to grow by 16 percent over the next six years. Because nurses are always needed at doctors’ offices, hospitals, and health clinics across the country, they remain in demand, unlike many other professions.

As a result of this necessity, the demand for nurses does not waver during times of economic recession. As was reported by US News, nursing is one of the most stable jobs nationwide.

Considering the United States’ aging population and increasing health concerns, the demand for qualified nurses will only continue to rise.

Flexibility

While most regular jobs require people to work a full, eight-hour day, nursing does not have this rigidness. Ironically, many people expect nursing to be a time-consuming profession, but this is far from reality.

In fact, many nurses are given the freedom to choose the hours and days during which they prefer to work their shifts. While some nurses prefer to work from Monday to Friday, others don’t mind working weekend shifts. There are even some nurses who prefer to work back-to-back shifts, whereby they remain busy for three consecutive days and then receive four days off. 

As a nurse, you will also have the option of choosing the time of day you prefer to work. If you’re not much of a morning person, then you may receive the option of working afternoons or evenings instead.

Student Loan Forgiveness

As college tuition continues to get more expensive each passing year, student debt becomes a bigger issue in the lives of college students. Fortunately, student loans do not have to be as big a problem if you decide to pursue a nursing career.

This is because there are numerous situations in which nursing students’ loans can be forgiven after graduation. Not only are there special grants, scholarships, and student loan forgiveness programs for students, but the federal government will also forgive your loans if you choose to work in a government or military hospital.

Travel Opportunities

If you are someone with a hunger for travel, then it is important for you to choose a career that is compatible with your aspirations. With a nursing degree under your belt, you can enjoy a fulfilling career while also exploring the world. 

As a nurse, you are not restricted to working in a single hospital. You can become a travel nurse that accompanies athletics teams to their matches or even join Doctors Without Borders or the Peace Corps and help people in developing countries. While some degrees can only be applied in certain geographic locations, a nursing degree is useful no matter where your travels take you.

The Option To Degree Online

Today, there are a number of nursing programs online. While nursing is known to involve a difficult academic curriculum, having the option to study your BA or BS online will make your academic life a whole lot easier.

Not only is it typically easier to gain acceptance to an online degree than it is to an in-person degree, but it is also significantly cheaper. Upon completing your online degree, you will walk away with the same qualification as you would at a physical university, although at a much more affordable cost.

Time To Start Your Studies!

Getting started on your nursing studies is easier than you think. Take the time to look through the numerous nursing programs available online and determine which online college best suits your needs. 

The path to becoming a nurse is quick, flexible, and relatively affordable. There are plenty of nursing programs online that offer low-priced classes that come with all the benefits of in-person tuition. All you need to do to enjoy such benefits is to put aside some time to do your research. 

Make sure to stay informed on the latest study options available. By doing a quick internet search, you can find a multitude of options for studying nursing and weigh up the pros and cons of each one.

The post Top 5 Reasons Why People Are Choosing a Degree In Nursing appeared first on styleourlife.com.

By signing up for pet insurance, you can cover many of the necessary costs that arise when caring for your pet. Let’s take a look at everything you need to know to help you in your search for Health Insurance For Pets.

So, What Does Pet Insurance Include?

Firstly, it’s important to know that with pet insurance, you can rest assured that your pet will be largely covered if ever they suffer from a serious illness or injury. This means that you are unlikely to ever have to pay the full medical fee out of pocket. Not only do serious medical procedures become more affordable with pet insurance, but many routine expenses such as annual veterinarian checkups will also come at a reduced cost.

Now that you know the reasons for getting pet insurance, here are the crucial terms that you will need to become familiar with:

You Get To Choose Your Coverage Level

As is the case with human health insurance, there is an array of coverage levels that you can choose from according to your pet’s individual needs. As such, each type of policy will provide coverage for different treatments.

While basic insurance typically only includes illnesses and accidents, more comprehensive plans can additionally provide coverage for vaccinations, regular checkups, and other veterinarian services. Oftentimes, insurance plans can be customized according to your requirements.

Premiums And Deductibles Need To Be Paid

This is one of those areas where human health insurance and pet insurance overlap. Each pet insurance plan consists of a monthly premium that varies according to your specific coverage, the amount of your deductible, and certain other factors. As such, you can expect to pay between $30 and $50 per month in insurance premiums.

You will also be required to pay for your annual deductible. A deductible is the amount of the vet bill that you are required to pay before your insurance kicks in. Typically, the way it works is that the higher the deductible is, the lower your monthly premiums will cost.

Claims and Reimbursements Vary For Each Policy

While human health insurance typically covers you from the moments you go to the doctor, your pet insurer will typically only reimburse you after you have paid the doctor’s fee out of pocket. While you may be personally liable to pay at the time of treatment, you will still be reimbursed for the amount you are owed later on.

There Are Annual Maximums

As can be expected, your plan’s annual maximum will be higher if you opt for a pet insurance plan with higher monthly premiums. According to CBS, some serious surgical procedures for pets can cost in the region of $20,000, meaning that plans with a maximum limit of $3,000 to $5,000 simply won’t cut it. It is important to at least consider taking a more expensive plan so that you don’t get caught off guard in the case of a serious emergency.

You May Have Waiting Periods

As can be expected, pet insurance companies will do their best to prevent people from purchasing and immediately using their policies to cover their pets before canceling them afterward. This means that pet insurers typically impose waiting periods before insurance claims can be made. Such waiting periods can be approximately five days for injuries and 14 days for illnesses, while other plans could place waiting periods on pets with certain conditions. For this reason, it is imperative to take your pet’s current state of health into consideration before selecting an insurance plan.

Age and Breed Restrictions May Also Be A Factor

Typically, insurance plans for cats only have age limits. Insurance plans for dogs might also impose limits pertaining to breeds. Typically, coverage is allowed to start around six to eight weeks after the cat or dog is born, while a maximum age limit is also usually imposed. If your pet is older, it is important to compare different insurance plans as each one may have its own maximum age limit.

Here Are Some Great Pet Insurance Options

With so many pet owners out there, pet insurance is a constantly growing field. This means that there are currently tons of different insurers out there competing for your loyalty. Fortunately, we have created this short list of some of the more competitive insurance providers to make your search for health coverage a little easier!

Pets Best: Pets Best offers a wide variety of pet insurance plans, including accidental-only coverage. As reported by Pet Insurance U, Pets Best plans cost around $38 per month on average.

Healthy Paws: This provider places no limits on annual payouts, while also offering a single plan with broad coverage for a range of healthcare services.

Nationwide: While their plans can cost between $32 and $60, it is one of the most comprehensive plans available.

Embrace: This provider has lenient maximum age limits (up to 14 years old) as well as a fully-customizable insurance plan.

Figo: Figo has three tiers of coverage as well as the option of unlimited annual maximums.

The post Calling All Pet Owners: Here’s Why You Need Pet Insurance appeared first on styleourlife.com.

By shopping around for the credit card signup bonuses that you’ll get the most out of, you can save a significant amount of money. While having a very high credit limit may pose danger, credit cards are still important for functioning in the world today. By keeping your spending between $500 and $1500, you can earn significant rewards so long as you remember to pay off your balance during each billing cycle.

Let’s take a look at some of the best credit card signup bonuses.

Capital One Venture Rewards Credit Card

If you are someone who loves to travel, then this is the credit card for you. The Capital One Venture Rewards card lets you earn two travel miles with each dollar you spend. In addition, you can earn 10 miles on each dollar that you spend on hotel accommodation.

The benefits don’t stop there. As a signup bonus, this card comes with no annual fee during the first year. Other perks include:

1. Earning 50,000 miles (to the value of $500) for every $3,000 you spend in the first three months. 
2. A free travel credit to the value of $100 for TSA Precheck or Global Entry fees.
3. Enjoy a zero percent APR for 12 months after you sign up. Once the 12 months are up, you will incur a rate varying between 15.24 percent and25 .24 percent.
4. No transfer fee is required when constructing balance transfers. 

Citi Simplicity Credit Card

With this credit card, you will benefit from a zero percent interest rate on all purchases during the first 12 months. In addition, if you decide to transfer your balance to another card, you will receive a zero percent introductory rate valid for the first 21 months. All transfers do, however, have to be made within four months of opening your account with either a five percent or $5 fee, depending on which is greater.

Additional benefits include:

• No annual fee
• Zero late fees
• Zero penalties arising from late payments
• The ability to choose your billing date
• Unauthorized charges carry no liability
• Fraud protection

Capital One Quicksilver Cash Rewards Credit Card

This card carries an array of signup bonuses, most notably a zero percent interest rate on both purchases and balance transfers for your first 15 months following signup. Upon expiration of this special offer, your purchases and balance transfer rates will vary between 15.24 percent and 25.24 percent. Another great perk is that for your first three months following signup, you will earn a $150 bonus after spending your first $500. 

Other great benefits include:

• Zero foreign transaction fees
• No annual fee
• Cashback on any amount spent with no expiration date
• When traveling, you’ll receive travel accident insurance along with 24-hour assistance if needed
• Emergency card replacements, as well as cash advances, are always available
• Selected items that you purchase with this card will be covered by an extended warranty 
• Any car rentals that are paid for with this card will be protected for theft and collision damage

Discover it Balance Transfer Credit Card

Arguably this card’s greatest reward is its cashback benefits. This card offers five percent cashback at grocery stores, gas stations, restaurants, Amazon.com, and other selected merchants, while one percent cashback is guaranteed for all other purchases. If that’s not enough reason to signup for this card, Discover will also match the total cashback that you earn throughout your first 12 months using the card. This credit card allows you to redeem your rewards at any time, while the fact that none of its rewards have an expiration date will provide you with peace of mind. 

For your first six months, this card will come with a zero percent APR rate on all purchases. You will also have the option of transferring high-interest balances without interest within your first 18 billing cycles. Once your regular interest rate kicks in, you could pay anywhere from 14.24 percent to 25.24 percent depending on your credit score. 

Bank of America Cash Rewards Credit Card

With this Bank of America rewards card, you can earn $200 cashback upon spending $1,000 in your first 90 days. What’s more, is that you’ll benefit from a zero percent introductory interest rate on all purchases for your first 12 months. If you decide to transfer high-interest credit card balances within your first 60 days of using this card, you can reap the benefits of Bank of America’s low APR special offer.

Upon deciding on a favorite spending category, you can enjoy a three percent cash back on all card purchases within that category. If that’s not enough, car holders also receive two percent cash back on all grocery store and wholesale club purchases. Important to note, however, is that these cashback offers only apply to the first $2,500 that you spend within each calendar quarter. Other purchases include one percent cashback.

The post The Best Credit Card Signup Bonuses appeared first on styleourlife.com.

Fortunately, you do not have to incur such high television costs if you know how to avoid them. Here is how you can save on your monthly cable bill.

Research Your Options

First of all, it’s important to note that you do not have to stick with the cable package that you currently have. Do some comparison shopping between different cable providers in your area and see what packages they offer as well as their pricing. This will allow you to truly see which cable company has the best internet and cable deals. You may also find that some cable providers, such as Comcast, offer a cable and internet senior discount.

Take note that you may be subject to an early cancellation fee if you decide to switch packages. This shouldn’t dissuade you from making a change however, as this extra expense will be offset when you start paying lower monthly fees. Make a detailed list of all the providers in your area as well as the packages they offer so that you can make an informed decision.

Consider Selecting a Smaller Cable Package

Think about how many cable channels you actually use. If you find that you do not make use of many of the channels on offer, then it may be worthwhile to switch to a cheaper package that offers fewer channels. After all, there’s no point in paying for channels that you never watch.

Write down the names of all of the channels that you regularly watch and then compare them with all of the channels that are currently on offer with your chosen package. If you only watch a small portion of channels on offer, then perhaps its time for a downgrade.

Find a Product Bundle

Oftentimes, cable providers offer internet connections and home telephone services in addition to television packages. If you are someone who makes use of these services, then it may be worthwhile to inquire as to whether your provider has any cheap cable and internet offers that come in a bundle package. Subscribing to multiple services in a bundle is significantly cheaper than subscribing to each one individually. Remember to check out offers from other cable providers so that you can know where to find the best cable and internet bundles out there.

Eliminate Your Modem and DVR Charges

If you take a moment to carefully inspect your cable bill, you may find that you are being charged between $5 and $20 per month for your DVR. With online streaming services and video on demand, there are very few reasons left to record a show that you miss on DVR. It is, therefore, worthwhile to see if you can eliminate this cost.

If you have an internet package, then another recurring charge that you may be faced with is a fee for your wireless router or modem. This fee can easily be avoided by purchasing your own wireless router or modem so that you no longer have to rent one out.

By purchasing your own DVR, modem or wireless router, you can avoid paying an excessive monthly charge while still being able to use your own equipment if the day comes that you decide to switch cable providers.

Cut Down On The Number Of Cable Boxes You Own

Oftentimes, when initially signing up for cable, your provider may offer you multiple cable boxes for free or at a discounted price. Such promotions usually run for a limited time, and once they are over, the cost of said cable boxes could skyrocket. In fact, you may find yourself paying anywhere between $3 and $12 per month for every additional cable box you own.

If you find yourself typically only watching cable on one TV set, then it would be a good idea to cut down to only one cable box.

Negotiate a Better Deal

While prices may appear to be set in stone, this is sometimes not the case. By contacting a customer service representative and expressing your dissatisfaction with your current cable bill or services on offer, you might be able to score a sneaky discount. There may even be a promotional package on offer that you’re not aware of.

Go Cold Turkey

While there are plenty of ways to reduce your cable bill, the most effective way to limit your expenses would be to cancel your cable plan in its entirety. While this may seem like a daunting challenge, there are a number of alternative entertainment platforms that you can make use of in place of cable television.

For example, satellite and digital television services are also widely offered and could prove to be sufficient alternatives. There are also numerous streaming services that allow you to watch all your favorite shows at a fraction of the cost! These often include video-on-demand services, where you only pay for the programming that you want to watch.

Reduce Your Cable Bill Today!

By using the above tips, you can enjoy cheap TV, phone and internet service packages. Remember that you can begin your hunt for the best deals with a simple online search. Try using keywords such as Cable and Internet Providers Near Me and begin saving on your cable bill today!

The post This is How You Could Be Saving On Your Cable Bill appeared first on styleourlife.com.

In the words of an iconic screenwriter, “a good story always revolves around the relationships between humans.” This statement holds much weight, considering how interesting human beings are! While we each have our own personalities and opinions, the study of psychology can greatly help us to understand how the human mind really works. As we reach retirement age, we find ourselves wondering how to fill up the additional free time on our hands. One meaningful way in which you could fill up your schedule is by pursuing an online degree in psychology.

By studying online, you no longer need to be physically present in a classroom or pay hefty tuition fees. You will also be given the flexibility of designing your own schedule!

Understanding the human mind 

With all the stress and pressure that comes with living in the modern world, an increasing number of people are searching for psychological help.

Psychology is the discipline that helps us to understand the inner workings of the human mind. Those who study psychology are able to determine why we act the way we do. In the last 50 years, this field has undergone tremendous developments, and today, people who struggle with psychological disorders are provided with the assistance they need.

Psychology experts now say that many of the new innovations in this field have allowed them to better understand how the human mind works than ever before.

Self-growth has no limits!

What’s great about psychology is that it is a field that anyone can begin studying right away, regardless of age or gender. This makes it an ideal field of study for someone who wants to learn continuously.

Seniors: do not let your age discourage you from learning! Satisfying your thirst for knowledge is both an enjoyable and fulfilling journey. Psychology offers plenty of courses to choose from. In fact, you can even pursue a master’s degree online! 

By understanding psychology, you can get an insider’s look at how people make decisions. Now you can understand why people behave the way they do!

The post Are You A Senior? Revitalize Your Life With Psychology Courses! appeared first on styleourlife.com.

For many people, particularly seniors, fixed-income investments are proving to provide the best way forward to achieving financial independence. These investments provide consistent returns on your initial investment, meaning that you can become a beneficiary of continual financial growth. Let’s take a look at the best fixed-income investments available to you so that you can effectively grow your retirement savings.

How Fixed-income Works

Fixed income funds provide investors with a monthly payout. This means that retirees who invest in a fixed income fund can continue to receive a steady income even after leaving their full-time jobs. In fact, most fixed-income funds are specially designed for retirees so that they can cover their monthly expenses. While a set amount is typically paid out to the investor on a monthly basis, there are sometimes the options for receiving weekly, quarterly, or annual payouts.

Oftentimes, seniors invest in multiple fixed income funds. This is done as a means of diversifying one’s risk. For example, one fund could provide stable, regular payouts while another fund could be a little more high risk. There is also the option for reinvesting a portion of your returns back into the fund, thereby allowing for the potential to receive higher payouts in the future.

Remember to do thorough research before committing to a fixed income fund. After all, not every fund comes with the same level of risks and rewards.

What Fixed Income Funds Are Available to You?

There are plenty of different fixed-income funds available to you, depending on your financial goals. While some people prefer to handle their own fixed income portfolio management, others prefer to invest in fixed income ETFs or managed funds. Of course, there is always the option to consult with a professional financial adviser, who will help you to select high yield investments for a fee.

Here are the categories of fixed-income investments that you can consider investing in:

Treasury bonds: These bonds are issued by the U.S. government. While they are typically low in risk, they offer minimal returns.

Government and agency bonds: these types of bonds are offered by a variety of nation’s governments, with risk varying depending on the country in which that government operates.

Municipal bonds: these are bonds that are issued by local municipalities across the United States. These are low-risk bonds that exempt from income taxes.

Corporate bonds: some of the best performing fixed-income funds come in the form of bonds issued by companies looking to raise capital. These can be high-yielding bonds should these companies enjoy substantial growth.

Mortgage-backed securities: these mortgages are sold by banks and can often provide investors with substantial fixed income.

Certificates of deposit: this is one of the most easily accessible fixed income trading options available. While certificates of deposit carry very low risk, returns are also minimal.

Preferred stock: An opposed to issuing bonds, some companies decide to rather raise capital by issuing special notes that can be converted to common stock at a later stage.

Why You Should Seriously Consider Investing In Fixed-Income Funds

Here are some of the major reasons as to why fixed-income investments are ideal for retirees as well as those approaching retirement:

• While fixed-income investments allow you to plan for your future, they do not require you to consistently dip into your capital during times of financial difficulty.
• Many fixed-income investments are exempt from tax, meaning that you can avoid being subject to financial loss as a result of tax increases and other tax risks.
• There re several fixed-income funds, such as treasury bonds and municipal bonds, that carry low levels of risk compared to other investments.
• Adding fixed-income investments to your portfolio results in a more diverse portfolio that will provide you with more protection during times of economic uncertainty.

Find the Right Fixed-Income Investment For You!

As you have now seen, fixed-income investments provide a whole host of benefits that can play an enormous part in securing your financial stability in the future. This is particularly true for people who are in or near retirement, as fixed-income funds can pay out a steady monthly income that can greatly help you remain financially independent.

Of course, it’s important to remember that not every fixed-income investment out there is going to meet your personal financial requirements. It is, therefore, vital that you conduct sufficient research before choosing a fixed-income fund to invest your hard-earned money into.

Start by conducting an online search of the different types of funds available to you as well as some highly- recommended financial advisers in your area. By consulting with a professional financial adviser, you can be pointed in the right direction. It is advisable that you get a number of opinions from various authorities so that you can make the soundest financial decision. After all, by making the right investment decision, you can secure your future income while ensuring that you remain financially stable and independent!

The post Looking to Build Consistent Retirement Savings? Try Fixed Income Investments! appeared first on styleourlife.com.

While determining your Medicare coverage may seem like an insurmountable task, it is well worth looking into some of Medicare’s unique benefits. Just one of these benefits could be a brand new bed! Let’s look at how you can get a bed that’s covered by Medicare:

Let’s Start By Understanding The Definition Of Durable Medical Equipment

Medicare may pay for your bed in part or in full if it is considered to be Durable Medical Equipment.

Durable Medical Equipment (DME) is any type of medical-related equipment that helps patients to function in their daily lives. DME needs to be considered medically necessary, and therefore, prescribed for use by your doctor. Some examples of DME include oxygen tanks and wheelchairs.

Here are the requirements that need to be met in order for a product to be considered a DME:

• The product is used for a medical purpose
• It is durable and not disposable
• It is only beneficial to someone who is injured or sick
• It can be used in the comfort of your own home
• The equipment has a life span of at least three years

If a piece of equipment that you had your eye on meets the above criteria, then Medicare may be able to cover up to 80% of its cost. As such, there are a number of beds that are categorized as DMEs and therefore approved by Medicare.

Which Type Of Beds Could You Be Covered For?

As you can see, there are a few requirements that need to be met to qualify a bed as being a DME. To make your life easier, here are the categories of beds and bed-related equipment that are typically approved for Medicare coverage:

1. Pressure-reducing beds
2. Pressure-reducing mattresses
3. Pressure-reducing mattress overlays

By conducting a thorough online search, you can find a whole host of beds and mattress deals that can be covered by Medicare. During your search, it is important to ensure that the beds, mattresses and mattress overlays that you find are in fact Medicare-approved. Try using search keywords such as mattress sale near me so that you find relevant deals in your area.

In the best-case scenario, Medicare will agree to cover 80 percent of the bed or mattress cost, leaving you responsible for paying the remaining 20 percent of the cost. Considering that prices for bed-related equipment are normally exorbitant, this is a great savings opportunity that Medicare subscribers should definitely look into.

To ensure that you qualify for Medicare coverage on your bed or mattress purchase, review your personalized Medicare health plan or talk to a Medicare representative. This way, you can ensure that you are covered by Medicare before you splash the cash on a new bed or mattress.

Here Are Some Of The Best Pressure Relief Mattresses Available To You

Fortunately, mattresses that are considered to be DME and are, therefore, covered by Medicare are not too difficult to find. Here are some of the mattresses on sale that you could consider opting for:

1. Solace Resolution Glissando Heavy Duty Mattress

This double memory foam mattress is designed to reduce friction and distribute pressure evenly to deliver ultimate comfort. As a result, this mattress is ideal for anyone who has a history of suffering from ulcers.

2. Joerns PrevaMatt Defend Pressure Relief Mattress

If you’re on the hunt for mattresses that relieve back pain, then this is the mattress for you! Not only does its foam materials relieve pressure, but it is also created from sustainable and plant-based materials- meaning that it contains fewer chemicals.

3. Drive Medical Therapeutic 5 Zone Support Mattress

With its ability to target five therapeutic pressure zones, this mattress will provide you with the ultimate sense of comfort and support. It is also latex-free and able to reduce friction, meaning that you will be able to enjoy a painless and irritation-free sleep.

4. ThevoRelief Pressure Relief Mattress

If you’re someone who is looking for a mattress that relieves body aches and pain while providing back support, then look no further! This mattress is specially designed to stimulate your nerve tracts, thereby providing you with a night of restful sleep.

5. Drive Medical Alternating Pressure Low Air Loss Mattress System

This mattress has the ultimate pressure-reduction system. Not only was it designed to prevent, treat and heal ulcers, but it also alternates pressure points in order to minimize friction! What’s more, is that it has advanced settings such as a choice between an active mode and static mode, or even intervals between the two!

Start Your Search Today!

If you’re interested in receiving Medicare coverage on your next bed-related purchase, set up a consultation with your doctor. Once you receive a prescription, you will be able to begin the search for a Medicare-covered mattress.

A simple online search is the best place to start. This will allow you to discover the variety of available to you with the click of a button!

Of course, it is always important to ensure that your chosen bed or mattress is Medicare-approved before making a final purchase. Review your personal Medicare plan to ensure that you are covered for your chosen bed or mattress.

By doing the required research, you can improve your overall wellbeing and enjoy a comfortable night’s sleep!

The post Your Next Bed Could Be Covered By Medicare appeared first on styleourlife.com.

So, What Is Medicare Plan F?

This is the primary Medicare supplement plan. As a supplement plan, Plan F serves the purpose of addressing certain medical issues that are not covered by Parts A and B (the original Medicare plans) or by Part C (which covers some additional health issues). As such, Plan F can provide seniors with substantial benefits.

eHealth Medicare has named Medicare Plan F as the most comprehensive supplement plan that Medicare has to offer. While it may be an expensive plan, it nevertheless remains one of the most popular choices amongst seniors due to leaving them with very few out-of-pocket expenses. After all, Plan F covers the additional aspects of health care that Parts A, B, and C do not.

According to eHealth Medicare, Plan F provides great value for money, particularly to those who are experiencing increased copayments and deductibles. Very importantly, it is able to cover regular costs associated with routine medical procedures.

Unfortunately, the benefits provided by Plan F (along with Part C) may soon be disappearing. After all, Plan F may be going away in 2020 due to big government changes.

Why is Plan F Coming to an End?

Seeing as Plan F is such a popular choice for seniors, you may be wondering why this successful plan is being scrapped. The short answer is that Congress voted to phase it out.

This is not the first time that Congress has removed one of the Medicare supplement plans. Boomer Benefits reported that in both 1990 and 2010, other supplement plans were also phased out by Congress. Just some of the plans that fell by the wayside were Plans E, H, I, and J. 2020 looks to be no different.

The reason why Medicare Plan F is on the brink of being scrapped is because of the attempt to promote the Medicare Access and CHIP Reauthorization Act (MACRA) of 2015. This statute was passed with the intention of providing doctors with fair pay. Of course, in order for more funds to be made available for improved compensation of doctors, the money would have to be taken from other places. Ultimately, Plan F (along with Part C) would be cut in order to make these funds available.

As a Medicare Subscriber, What Should You Do Now?

While the phasing out of Plan F may cause you some concern, you need not worry. There are still a number of ways that you can take action and ensure that you get the most comprehensive Medicare coverage available. Before you decide on a plan of action, you need to first consider These are the ways in which the upcoming changes will affect Medicare subscribers:

• Current Plan F Subscribers: These subscribers will keep their Plan F coverage. The elimination of this plan will not affect their existing healthcare benefits.
• Anyone Eligible for Medicare Before January 1, 2020: There is the possibility of signing up for Part C or Plan F.
• Those Who Qualify for Medicare On or After January 1, 2020: Plan F will not be available to you. You will need to explore other forms of coverage.

As can be seen from the above information, existing Medicare subscribers who were already eligible for Plan F prior to January 1, 2020, will be able to continue enjoying the benefits of Plan F. The only ones who will not be able to enjoy the benefits of Plan F are those who were not eligible for this plan before the start of 2020.

Regardless of whether or not you are eligible for coverage, it is still necessary to perform a Medicare supplement plan comparison. This is because the prices for Medicare plans are always changing. Also, remember to keep a lookout for new Medicare plans that may arise in substitute for Plan F.

If you are still eligible for Plan F, make sure to keep track of Medicare supplement Plan F rates. If not, then make sure to monitor the rates of other plans so that you can enjoy the most affordable plans with comprehensive coverage. Last but not least, make sure to keep your eyes peeled for any changes, updates, or additions that may need to be applied to your Medicare plan.

The post A Harsh Reality: Medicare Plan F May Disappear In 2020 appeared first on styleourlife.com.

One rising trend in the housing market is the purchase of homes made out of shipping containers. These homes are able to meet all of your housing requirements while saving you tons of money! By getting hold of some insulated shipping containers, you could design your own easily-customizable home that proves to be far more affordable than traditional homes. Here is why you should consider investing in a shipping container home in the future.

Shipping Container Homes Are Extremely Affordable

Business Insider reported that the average cost of purchasing a home in the United States is $243,000, with much room for price variation. In areas with high costs of living, such as Hawaii and California, the average home can cost around $636,451 and $554,886 respectively. With shipping containers, on the other hand, such steep expenses are not an issue.

The cost of making a home out of converted shipping containers is relatively cheap, with a 20-foot by 8-foot container being available for around $2,800 according to Quicken Loans. 360 Mobile Office listed containers for the unbeatable price of just $1,400!

At such low prices, constructing a home out of shipping containers is an economically feasible feat- even for those with a large family! For example, if you decided to purchase five containers to suit your family’s needs, this will cost you around $14,000 in total- far less than a traditional home!

While shipping containers may need to be converted from their current state into a functional home, this is not an impossibly exorbitant project. According to 360 Mobile Office, the construction costs for transforming a shipping container into a home can be in the range of $10,000.

While this may cost a significantly higher sum, you could build a shipping container home that looks more like a traditional home if you’re willing to plan for a budget in the region of $150,000 to $175,000. This is still far cheaper than the cost of a traditional house!

Shipping Containers Are Freely Customizable

Sure, a traditional home can be remodeled and customized, but this is a costly task that can only be achieved to a limited extent. A home comprised of shipping containers, however, can be remodeled for a much lower cost with more room for creativity.

While the layout of a shipping container home can be altered, you needn’t concern yourself over the structural strength of the home. After all, shipping containers are made from steel, making them durable, sturdy and super strong while remaining cost-efficient!

With shipping containers, design possibilities are endless. You can choose to improve your home’s insulation by adding insulated shipping containers or even build rooms using multiple containers. Each shipping container is a blank slate, allowing you to decide where to install the air conditioning, electrical setup and, of course, the plumbing.

Buying and Building a Shipping Container Home is Faster and Easier

The process of finding and purchasing a home is enough to leave anyone with exhaustion and stress. Not only is it incredibly costly, but there are plenty of smaller details to take care of, not limited to the realtor fees, purchase fees, inspections, and more. Fortunately, by choosing to build a shipping container home, you can wave goodbye to a number of these strenuous tasks.

Shipping container homes are cheaper, easier, and quicker to build, not to mention sturdy and reliable! The process of building a shipping container home is smooth- you can even purchase shipping containers online! Try doing an online search using keywords such as Converted Storage Containers Near Me or Converted Insulated Storage Container Near Me in order to find reliable search results. By conducting an online search, you can find shipping containers of different shapes and sizes all from the comfort of your own home!

Not only can you find shipping containers that are already converted into homes online, but you can also find bare shipping containers that you can tailor according to your vision. Start by taking some time to learn about the construction process. From there, you can select the right shipping containers, set your budget, and begin construction. You can design your shipping container home from the ground up according to your every desire!

According to 360 Mobile Office, the construction time for a shipping container home is 30 percent faster than that of a traditional home. So, what are you waiting for? Do your research and start the construction process for your dream home today!

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What Are The Warning Signs?

Most of the symptoms experienced with lung cancer are not easily identifiable from the get-go. Rather, they grow more prominent as the disease spreads throughout the lungs. Here are just some of the first indications of lung cancer:

1. Chest pain that agitates you when laughing, coughing, or taking deep breaths
2. Constant coughing
3. Wheezing
4. Having a short breath
5. No appetite
6. Frequently contracting illnesses such as bronchitis and pneumonia
7. Coughing up blood
8. Low fatigue/sleepiness

As the disease worsens in severity, lung cancer can start affecting other areas of the body, causing symptoms to develop in those areas as well. Just some of these symptoms may include:

1. Changes to the nervous system, such as seizures or poor balance
2. Jaundice
3. Bone pain
4. Lumps near the skin’s surface

How to Diagnose Lung Cancer

Contrary to popular belief, imaging tests, not blood tests, are used to determine if there are any growths present in the body. This is then followed up by lab tests that locate the presence of cancer cells and confirm the official diagnosis.

Just some of the imaging tests that are used are:

• X-ray: this will help to locate unusual masses in the lungs
• CT Scan: a more detailed method than x-rays, this scan can detect enlarged lymph nodes
• Low-Dose CT: this CT Scan involves a low dose of radiation and takes a high-resolution image that will help detect any tumors at an early stage
• MRI Scan: this method uses radio waves and strong magnets to detect if cancer has spread to the brain or the spinal cord
• PET Scan: this involves injecting sugar into the blood. Because they grow quicker than normal cells, cancer cells will absorb more of the sugar and show up in the scan more prominently
• Bone Scan: by injecting a low-level radioactive material into the bones, doctors can tell if cancer has spread to any of the bones
• Bronchoscopy: this test checks for the presence of large tumors and blockages. This involves inserting a flexible tube down into the bronchi of the lungs.

Treatment for Lung Cancer

Like with most forms of cancer, lung cancer can be treated in numerous ways, with patients potentially receiving a combination of treatments depending on their circumstances. Such treatments include:

Surgery

Because surgery is so complex, a pulmonary functioning test is typically administered first so that it can be ensured that there will be enough healthy lung left behind to survive. The most popular form of surgery, in this case, would be lobotomy, whereby one of the lung’s lobes are removed. When a tumor is too close to the center of the chest, a pneumonectomy could be performed, which involves removing an entire lung.

Radiofrequency Ablation

This is a common treatment for small tumors on the outer edges of the lungs. High energy waves heat the tumor with the objective of destroying the cancerous cells and even removing the growth. Apart from some pain and tenderness, this treatment has almost no side effects.

Chemotherapy

This method involves taking special drugs either orally or intravenously. Chemotherapy is often used to either assist in surgical treatments or used together with radiation therapy. These specially administered drugs can make growths smaller and easier to handle during surgery or could be used to eliminate any traces of cancer that were not removed during surgery.

Immunotherapy

This type of therapy is used for a number of reasons, such as killing cancer cells, strengthening patients’ immune systems and limiting the symptoms caused by other treatments. This treatment is not as widely used as other treatments, as many patients do not respond to it. Also, this treatment has numerous side effects, such as constipation, nausea, fatigue, and loss of appetite.

Targeted Therapies

These types of therapies involve administering drugs to target different issues. Some drugs, Avastin and cyramza, target angiogenesis, which is known as blood vessel growth. EGFR inhibitors are a type of drug that targets EGFR, a form of protein that is found on the surface of cancerous cells that help them grow at a quicker rate. 

In addition to the treatments mentioned above, new research is constantly being conducted to determine new lung cancer treatments. New clinical trials are happening all the time, so these might be worth considering. The most important thing is that, if you detect any warning signs of lung cancer, you seek medical attention as soon as possible. The sooner a diagnosis is made, the more treatment options will be available to you. 

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If you are someone who is seeking a challenging, fulfilling career, then a career in nursing may be right up your alley. If so, then you are in luck — your nursing education can be completed in a short amount of time with minimal financial setbacks. 

Let’s take a look at the top five reasons that make completing a nursing degree worth your while. 

Job Security

According to the US Bureau of Labor, the nursing employment rate is expected to grow by 16 percent over the next six years. Because nurses are always needed at doctors’ offices, hospitals, and health clinics across the country, they remain in demand, unlike many other professions.

As a result of this necessity, the demand for nurses does not waver during times of economic recession. As was reported by US News, nursing is one of the most stable jobs nationwide.

Considering the United States’ aging population and increasing health concerns, the demand for qualified nurses will only continue to rise.

Flexibility

While most regular jobs require people to work a full, eight-hour day, nursing does not have this rigidness. Ironically, many people expect nursing to be a time-consuming profession, but this is far from reality.

In fact, many nurses are given the freedom to choose the hours and days during which they prefer to work their shifts. While some nurses prefer to work from Monday to Friday, others don’t mind working weekend shifts. There are even some nurses who prefer to work back-to-back shifts, whereby they remain busy for three consecutive days and then receive four days off. 

As a nurse, you will also have the option of choosing the time of day you prefer to work. If you’re not much of a morning person, then you may receive the option of working afternoons or evenings instead.

Student Loan Forgiveness

As college tuition continues to get more expensive each passing year, student debt becomes a bigger issue in the lives of college students. Fortunately, student loans do not have to be as big a problem if you decide to pursue a nursing career.

This is because there are numerous situations in which nursing students’ loans can be forgiven after graduation. Not only are there special grants, scholarships, and student loan forgiveness programs for students, but the federal government will also forgive your loans if you choose to work in a government or military hospital.

Travel Opportunities

If you are someone with a hunger for travel, then it is important for you to choose a career that is compatible with your aspirations. With a nursing degree under your belt, you can enjoy a fulfilling career while also exploring the world. 

As a nurse, you are not restricted to working in a single hospital. You can become a travel nurse that accompanies athletics teams to their matches or even join Doctors Without Borders or the Peace Corps and help people in developing countries. While some degrees can only be applied in certain geographic locations, a nursing degree is useful no matter where your travels take you.

The Option To Degree Online

Today, there are a number of nursing programs online. While nursing is known to involve a difficult academic curriculum, having the option to study your BA or BS online will make your academic life a whole lot easier.

Not only is it typically easier to gain acceptance to an online degree than it is to an in-person degree, but it is also significantly cheaper. Upon completing your online degree, you will walk away with the same qualification as you would at a physical university, although at a much more affordable cost.

Time To Start Your Studies!

Getting started on your nursing studies is easier than you think. Take the time to look through the numerous nursing programs available online and determine which online college best suits your needs. 

The path to becoming a nurse is quick, flexible, and relatively affordable. There are plenty of nursing programs online that offer low-priced classes that come with all the benefits of in-person tuition. All you need to do to enjoy such benefits is to put aside some time to do your research. 

Make sure to stay informed on the latest study options available. By doing a quick internet search, you can find a multitude of options for studying nursing and weigh up the pros and cons of each one.

The post Top 5 Reasons Why People Are Choosing a Degree In Nursing appeared first on styleourlife.com.

By signing up for pet insurance, you can cover many of the necessary costs that arise when caring for your pet. Let’s take a look at everything you need to know to help you in your search for Health Insurance For Pets.

So, What Does Pet Insurance Include?

Firstly, it’s important to know that with pet insurance, you can rest assured that your pet will be largely covered if ever they suffer from a serious illness or injury. This means that you are unlikely to ever have to pay the full medical fee out of pocket. Not only do serious medical procedures become more affordable with pet insurance, but many routine expenses such as annual veterinarian checkups will also come at a reduced cost.

Now that you know the reasons for getting pet insurance, here are the crucial terms that you will need to become familiar with:

You Get To Choose Your Coverage Level

As is the case with human health insurance, there is an array of coverage levels that you can choose from according to your pet’s individual needs. As such, each type of policy will provide coverage for different treatments.

While basic insurance typically only includes illnesses and accidents, more comprehensive plans can additionally provide coverage for vaccinations, regular checkups, and other veterinarian services. Oftentimes, insurance plans can be customized according to your requirements.

Premiums And Deductibles Need To Be Paid

This is one of those areas where human health insurance and pet insurance overlap. Each pet insurance plan consists of a monthly premium that varies according to your specific coverage, the amount of your deductible, and certain other factors. As such, you can expect to pay between $30 and $50 per month in insurance premiums.

You will also be required to pay for your annual deductible. A deductible is the amount of the vet bill that you are required to pay before your insurance kicks in. Typically, the way it works is that the higher the deductible is, the lower your monthly premiums will cost.

Claims and Reimbursements Vary For Each Policy

While human health insurance typically covers you from the moments you go to the doctor, your pet insurer will typically only reimburse you after you have paid the doctor’s fee out of pocket. While you may be personally liable to pay at the time of treatment, you will still be reimbursed for the amount you are owed later on.

There Are Annual Maximums

As can be expected, your plan’s annual maximum will be higher if you opt for a pet insurance plan with higher monthly premiums. According to CBS, some serious surgical procedures for pets can cost in the region of $20,000, meaning that plans with a maximum limit of $3,000 to $5,000 simply won’t cut it. It is important to at least consider taking a more expensive plan so that you don’t get caught off guard in the case of a serious emergency.

You May Have Waiting Periods

As can be expected, pet insurance companies will do their best to prevent people from purchasing and immediately using their policies to cover their pets before canceling them afterward. This means that pet insurers typically impose waiting periods before insurance claims can be made. Such waiting periods can be approximately five days for injuries and 14 days for illnesses, while other plans could place waiting periods on pets with certain conditions. For this reason, it is imperative to take your pet’s current state of health into consideration before selecting an insurance plan.

Age and Breed Restrictions May Also Be A Factor

Typically, insurance plans for cats only have age limits. Insurance plans for dogs might also impose limits pertaining to breeds. Typically, coverage is allowed to start around six to eight weeks after the cat or dog is born, while a maximum age limit is also usually imposed. If your pet is older, it is important to compare different insurance plans as each one may have its own maximum age limit.

Here Are Some Great Pet Insurance Options

With so many pet owners out there, pet insurance is a constantly growing field. This means that there are currently tons of different insurers out there competing for your loyalty. Fortunately, we have created this short list of some of the more competitive insurance providers to make your search for health coverage a little easier!

Pets Best: Pets Best offers a wide variety of pet insurance plans, including accidental-only coverage. As reported by Pet Insurance U, Pets Best plans cost around $38 per month on average.

Healthy Paws: This provider places no limits on annual payouts, while also offering a single plan with broad coverage for a range of healthcare services.

Nationwide: While their plans can cost between $32 and $60, it is one of the most comprehensive plans available.

Embrace: This provider has lenient maximum age limits (up to 14 years old) as well as a fully-customizable insurance plan.

Figo: Figo has three tiers of coverage as well as the option of unlimited annual maximums.

The post Calling All Pet Owners: Here’s Why You Need Pet Insurance appeared first on styleourlife.com.