5 things not covered by Medicare

5 things not covered by Medicare
Medicare is invaluable for a large percentage of the country’s population for many reasons. People who are older than 65 can get the full range of cost coverage offered by Medicare Part A and Part B when they sign up for them. However, while Medicare does cover most healthcare expenses one might incur, certain costs are outside coverage boundaries, even for this scheme. Here are some of the things not covered by Medicare: Long-term care Long-term care is among the most expensive healthcare services one can use. According to some studies, the median cost of a private room in nursing homes is about $115,000 in 2023. Certain cost estimates state that using a room for a prolonged period with assisted-living facilities costs about $47,000 for 44 hours per week of care given by a home health aide. While Medicare covers certain skilled nursing services, it does not cover the things included in custodial care, such as dressing, bathing, feeding, and other similar activities involved in daily living. To ease things, people can purchase health insurance externally to cover any possible healthcare requirement that includes long-term care. Hearing aids While Medicare does cover the cost of major procedures and treatments done for ear-related health conditions, the cost of routine hearing tests or hearing aids is not a part of the original Medicare and Medigap package.

7 mistakes to avoid when opening a CD

7 mistakes to avoid when opening a CD
Most experts believe that a certificate of deposit (CD) is a safe and secure investment option that can provide lucrative returns based on the chosen bank. A CD is a type of savings account offered by banks or credit unions, wherein the invested money is parked for a specified period. Investors might incur penalties if they prematurely withdraw from the account. Moreover, avoiding certain mistakes when opening a CD can help one reap significant returns. Not knowing the types of CDs Most individuals believe that all CDs levy penalties on investors in case of premature withdrawals. While the standard CDs result in penalties for early withdrawals, some other ones, called no-penalty CDs, do not charge penalties if investors withdraw from the account before completion of the lock-in period. Moreover, the lock-in period for these no-penalty CDs is usually no longer than one year. However, it is important to check the differences in interest rates between standard and no-penalty CDs and opt for one accordingly. Withdrawing prematurely Withdrawing one’s funds prematurely from standard CDs can prevent one from reaping the benefits of lucrative returns in the long run. For instance, in many cases, one may be charged three months’ worth of interest in case of withdrawal before completion of one year.

7 most returned Christmas presents to avoid gifting

7 most returned Christmas presents to avoid gifting
Gifting and opening Christmas presents is one of the most exciting events of the year. It is, after all, the season to spread love. Today, however, people prefer items on their wishlist as Christmas gifts and may return them for something else if the gifts are undesirable, which might be embarrassing for the givers. To avoid getting into this situation, here are the seven most returned Christmas presents to avoid gifting during the holiday season. Tools If one has considered gifting a new drill set or a multi-purpose screwdriver, they should stop right away. The receiver usually has a toolbox handy at home with all the essentials to repair or build things. So, one should not give tools, unless the receiver explicitly asks for them because there’s a good chance it might be returned. Glassware While glassware is the most gifted item during Christmas, it is also one of the most returned product throughout the season. If one loves mixing and concocting unique cocktails, they usually have the necessary glassware at home. So, instead of glassware, one could consider giving their loved one a beverage of preference or ask them about what they desire. It’s that simple. Kitchen appliances A person who has lived in a home for a while may have the necessary kitchen appliances.

5 clothes that may affect one’s health

5 clothes that may affect one’s health
Clothing choices are often influenced by fashion trends, personality traits, climate, and the occasion for which one has to dress up. However, very few people think about their health when putting together their outfits. There are certain clothes that may negatively affect one’s health, such as causing allergies, rashes, or, in worse scenarios, long-term health issues. Thus, it is best to eliminate these clothes from the wardrobe and avoid buying them in the future. Skinny jeans Skinny jeans are a popular fashion trend, but wearing them can adversely affect one’s health. This is because they are designed to be extremely tight-fitting, which can build up pressure on the nerves of the legs and groin. Over time, this can reduce blood flow to the lower parts of the leg, causing muscle damage, swelling, and numbness. Additionally, the denim used to make jeans is not a breathable fabric, and sweat can accumulate, affecting the skin’s barriers and leading to infections. Underwire bras Wearing underwire bras on a daily basis for longer hours can have a lot of potential health risks. These include skin problems, the risk of punctures and cuts from the wire, pain in the neck and head, and discomfort in the chest area.

10 telltale signs of charity scams

10 telltale signs of charity scams
Vigilance is a donor’s greatest asset in the vast landscape of charitable giving. The unfortunate reality is that some individuals seek to exploit the goodwill of others through charity scams. These deceptive practices undermine the genuine efforts of charitable organizations and erode the trust of well-intentioned donors. Recognizing the telltale signs of charity scams empowers individuals to make conscientious choices, ensuring that their contributions reach genuine organizations, making a positive impact. High-pressure tactics Legitimate charities respect donors’ decisions and provide ample time for consideration. It raises suspicions if a solicitor pressures individuals to make an immediate donation without offering comprehensive information about the organization or its mission. Scammers often rely on urgency to catch donors off guard, emphasizing immediate action without allowing time for due diligence. Vague mission statements A clear mission statement is a hallmark of genuine charities. If an organization’s purpose seems unclear or vague, it may conceal its true intentions. Authentic charities are transparent about their goals, projects, and how donations will be utilized. If the purpose remains elusive, it’s prudent for donors to exercise caution. Similar-sounding names Charity scams often employ names resembling reputable organizations to create confusion. Donors should verify the charity’s name, ensuring it matches the well-known entity they intend to support.

Top 5 tax-deductible charity contributions

Top 5 tax-deductible charity contributions
Donating to charities is a meaningful way for individuals to contribute to society and gain personal benefits. Unbeknownst to many, charitable contributions made in the country make an individual eligible for tax advantages, creating a win-win scenario. Contributions like cash donations, non-cash donations like clothing or household items, stocks, etc., can lead to tax benefits. Explore some tax-deductible charitable gifts and donations below to understand how to make a positive impact while enjoying financial advantages. Cash donations Cash donations are one of the simplest ways to contribute to charitable causes and get tax benefits. Cash donations can be made in various ways, including checks, credit cards, or through payroll deductions made by one’s employer. If one is donating cash to qualified public charities, it allows them a tax deduction of up to 60% of their adjusted gross income (AGI) in a year. Furthermore, making cash donations to private foundations allows individuals a tax deduction of up to 30% of their AGI. To claim tax deductions, one must keep records of their donations, such as bank statements, canceled checks, or receipts and acknowledgment letters from the charity. Non-cash donations Besides cash, donating goods such as clothing, furniture, or household items can also yield tax benefits.

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8 factors to consider before buying oxygen concentrators

8 factors to consider before buying oxygen concentrators

Oxygen concentrators are healthcare devices that assist those with respiratory insufficiency (hypoxemia). They are designed to concentrate oxygen in the air by removing nitrogen, helping those who require oxygen therapy to improve and stabilize blood oxygen saturation levels. While these devices are designed to help maintain oxygen levels, not all models work in the same way. So, it is important to consider all options and assess specific needs to choose the right device. Oxygen concentration While oxygen is compressed and filtered in the concentrator, the amount then delivered contains a specific percentage of pure oxygen. This value is known as the oxygen concentration. Before buying the device, one must check if the oxygen flow rate is about 2 L/min. This rate is usually sufficient for home oxygen concentrators. Some may require a higher flow rate, in which case they can choose devices with up to 10 L/min. Noise levels An oxygen concentrator generally produces some noise, which can be bothersome for many. So, when looking for a device, choose a model with noise levels between 31 dB and 60 dB. This range is equivalent to the sound of a quiet conversation or a voice in a calm environment. Additionally, some manufacturers offer models with quieter operation. Portability Having a portable oxygen concentrator can be beneficial for those who travel extensively. When choosing one, it’s important to take into account its size and weight. Some units are heavier and larger, offering higher flow rates. Those who do not require high oxygen flow rates must look for options between 5 and 10 pounds that come with lower flow rates. These lighter units are easy to carry and use on the move. FAA (Federal Aviation Administration) approval In addition to the portability of an oxygen concentrator, one should also look for an FAA-approved device.
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5 Cyber Monday Mistakes To Avoid This Holiday Season

5 Cyber Monday Mistakes To Avoid This Holiday Season

5 Cyber Monday Mistakes To Avoid This Holiday Season Cyber Monday is when many sales are happening all over the country, and most purchases occur in the electronic market. Every store that sells anything with an electronic gadget or even its accessory is up a sale. Such a time also becomes a time when many buyers end up at a loss for various other reasons. It is a great time of the year for consumers to make the best of the deals offered. Here are tips to help you make the best of the Cyber Monday sales this year: Getting Scammed Cyber Monday is undoubtedly a great time to shop; unfortunately, it is also when many cyber criminals put out their bait. So in these times, paying attention to the websites you visit before placing an order is essential. Make sure that when you click any URL links, any links you click on are from reputable sites, and don’t ask for personal information via email or phone call. If something seems way too good to be true, it probably is! It can be easy to get fooled by images that look like they came from Google or Amazon. Sending funds through the internet can be risky if you don’t know what kind of company or individual you are sending to. Checking out the company’s or individual’s profile on social media and other related websites can prove to be a money saver. Sometimes, this can mean accepting an offer without doing your research, which could lead to fraud. Shopping for the sake of Cyber Monday Cyber Monday is a also a perfect time to get deals on products you know you will love. But before you make any purchases, consider whether or not the item is something that will benefit your life and make it easier for you to accomplish what matters most.
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