Medigap is additional insurance one can buy to cover costs that are not covered under Medicare. Also known as the Medicare Supplement Plan, Medigap helps one reduce out-of-pocket expenses, i.e., co-payments and deductibles. One can access these insurance services through private companies. However, one must already have a Medicare Part A and Part B plan to buy Medigap. To understand Medigap plans better, here are a few things to know: What is a Medigap plan? Original Medicare (Parts A and B) does not cover all medical expenses. So, private companies can offer Medigap plans to help cover these costs. Nevertheless, Medigap plans generally do not offer long-term, vision, or dental coverage. They also do not cover the cost of hearing aids, eyeglasses, or private nursing. Medigap Plans are aimed at covering costs such as co-payments, deductibles, and coinsurance. Some specific costs that may be included in these plans are: About 20% of out-of-pocket expenses that are not covered by Medicare Part B Coinsurance for Part A Hospital coverage up to 365 days after Medicare benefits are used up Part A hospice or respite care copayment Some plans may also cover emergency medical care while traveling abroad. How much do Medigap plans cost?

Water retention is a health problem where the body can’t flush out excess fluids, which begin to build up in the tissues. The ailment leads to swelling in the hands, legs, ankles, feet, and other body parts. Water retention can result from several factors, including underlying health conditions. However, nutrition also plays a significant role in its development. The following foods are known to cause water retention and should be avoided. Carbonated soda Carbonated beverages contain a lot of carbon dioxide and artificial sweeteners, which cause the body to retain excess water. When thirsty, individuals should avoid these and opt for natural fruit juices and healthy fluids. Sausages Deli meats like sausages, bacon, pepperoni, and salami have high sodium. Sodium helps preserve the meat and gives it a unique flavor. However, an excess can cause the body to retain more water. Hence, one should limit deli meat intake to maintain a healthy sodium-to-water ratio. Mozzarella sticks Appetizers like mozzarella sticks, chicken fingers, potato boats, and chicken nuggets taste great and satiate cravings. However, these foods are likely to cause water retention owing to a higher amount of unhealthy fats and sodium. Salted nuts Seasoned flavored nuts like chili almonds and salted mixed nuts are often staples during snack time.

Pet parents wish the best for their pets. They strive to ensure their furry friends live a quality life by grooming them, buying them toys, and letting them move around the house freely. Some even feed their pets snacks from their own plate to keep them happy. However, one must note that not every human food is safe for animals. Here are six everyday foods that can be toxic to pets. Chocolates Chocolates are a popular treat in almost every household. Many love indulging in chocolate bars and other recipes containing chocolates, such as brownies and cookies. While these are safe for humans, they are highly unsuitable for dogs and cats. Chocolates contain a compound called theobromine, which is toxic to them. Consuming even small amounts of chocolate can lead to symptoms like vomiting, diarrhea, rapid heart rate, seizures, and, in severe cases, death in pets. Caffeine Like theobromine, caffeine is toxic to cats and dogs. It’s commonly found in beverages like coffee, tea, and sodas. Ingesting caffeine can cause restlessness, rapid breathing, heart palpitations, seizures, and, in severe cases, death. Hence, one must keep caffeinated products away from pets. Avocados Although a superfood for humans, avocados are toxic to birds and cattle.

High blood pressure is one of the most prevalent health problems globally. While it is a lifelong disorder with no cure, high blood pressure can be managed through treatments and lifestyle modifications. One of the crucial aspects of managing it is eating the right foods and avoiding others. Fresh fruits, green vegetables, and whole foods are often recommended to maintain safe blood pressure levels. Equally importantly, one must avoid fried and fatty foods, among others. 5 foods to avoid that increase blood pressure Cold cuts and cured meats Salami, sausages, pepperoni, bacon, prosciutto, and hot dogs contain a high amount of sodium. The high level of sodium is necessary to preserve the meat. It also gives the cold cuts and cured meats their flavor. However, for those with high blood pressure, eating these meats on a regular basis will worsen the symptoms. Packaged sandwiches Sandwiches can be healthy meal options. However, the nutritional value and whether they are safe for high blood pressure or hypertension greatly depends on the ingredients used. Most packaged sandwiches use white flour-based bread, deli meats, cheese, pickles, and other condiments. All of these make these sandwiches high in sodium, which is bad for managing high blood pressure.

The kidneys play an important role in eliminating harmful toxins from the body. If the kidneys are impaired and do not function well, one can experience a series of symptoms. Chronic kidney disease can be caused due to several factors, including diabetes, high blood pressure, heart disease, unhealthy lifestyle choices, and abnormal kidney structure. Therefore, it is essential to be aware of any early signs of kidney disease or changes in the body. Frequent urination According to doctors, urinating 8 to 10 times a day is a normal bowel movement. However, if one finds themselves running to the bathroom frequently throughout the day, this may indicate kidney dysfunction. Also, one of the early signs of kidney disease is urinating in the middle of the night. When the filters of the kidneys are not able to function properly, the urge to urinate increases. Swollen ankles When the kidney function is compromised, there can be sodium retention in the body. This retention can cause the swelling of ankles and feet. Swelling in the lower extremities can also lead to other health issues like heart disease, chronic leg vein issues, and even liver problems. Muscle cramping As the kidneys shut down, the organ fails to filter and remove toxins and excess fluid from the body.

Most objects typically depreciate from the moment they are taken out of the store. A few examples include electronics, home appliances, and automobiles. However, in certain situations, objects might see an appreciation in value, especially in the case of collectibles. But, many individuals may be unaware that an object they own falls under this category. Therefore, if one is unsure, here are five collectibles that may appreciate in value with time. Coins Coin collectors usually immerse themselves in examination, research, and the collection of rare coins from different currencies. While the country’s mint may release commemorative coins occasionally, collectors tend to also wait for coins that are printed accidentally or for a limited period since these are rare. A good collection could be worth a lot over time. For example, the most expensive rare coin sold for over $18 million at an auction. Classic cars The age and model of a car determine if it can be considered a classic. These can also be seen at car shows and are sometimes sold at auctions. Some classic cars have sold for as much as $18 million. A vintage car is typically not driven much, and it will require immense maintenance and upkeep because of its age.

While the progress of technology has led to many favorable outcomes, it has also increased opportunities for crime. The term ‘home theft’ used to refer to break-ins and robberies; now, it refers to scammers using technology to commit real estate fraud and steal home title deeds. This can land people into high amounts of debt, lead to foreclosure, or damage their credit scores. So, here are four ways to protect oneself from home title theft: Keep track of mail The post is addressed to one’s registered address. If one stops receiving important posted mail such as credit cards or electricity bills to one’s home, it may be a sign that someone has changed their address. One must keep a careful eye on the mail and report any suspicious activity. Monitor credit reports Everyone can receive one free credit report annually from the three major credit bureaus – Equifax, Experian, and TransUnion. Tap into these resources regularly and monitor the reports and credit scores. Watch out for any suspicious new accounts that may have been created or any unauthorized activity on pre-existing accounts. These steps can help one recognize dubious activity and flag it promptly. Invest in title insurance One must also get coverage for the owner’s title insurance policy.

Veterans are distinguished individuals who have previously served in the military, naval, or air services. Consequently, they have earned a range of benefits to support them in leading civilian lives. These benefits could come in handy in the long run by helping with finances. However, not everyone may be aware of the available benefits that they are entitled to receive, thereby missing out on essential support. So, here are a few lesser-known veteran benefits: 1. Life insurance Securing life insurance is an essential step that assures financial stability for loved ones. Veterans can get life insurance from the Department of Veteran Affairs or VA. A few options include the Servicemembers’ Group Life Insurance (SGLI), Veterans Group Life Insurance (VGLI), and Family Servicemembers’ Group Life Insurance (FSGLI). 2. Mortgage assistance Veterans can avail of the VA’s Home Loan Guaranty Benefit. Although provided by private lenders, the VA guarantees a portion of the loan, which allows lenders to offer veterans more favorable terms for the loan. This benefit can be reused for purchases of primary residences and even for refinancing existing home loans. 3. Free tax preparation As a veteran, one has access to certain resources that could simplify the tax preparation process and help them maximize their returns free of charge.