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4 warning signs a child is neglected

4 warning signs a child is neglected

Disheartening as it is, child abuse and neglect is a rampant issues in the country. According to the CDC, 1 in 7 children experienced abuse and neglect last year. Therefore, it is essential to recognize the early warning signs of child neglect to tackle this problem at its roots. This can take more than one form and manifest as physical, emotional, educational, or medical neglect. Here are some early warning signs to watch out for:

Poor appearance and hygiene
This may include the child being smelly or dirty, hungry, not being given money for food, having unwashed clothes, having inappropriate clothing for the weather, or having frequent or untreated nappy rashes (in infants).

Health and development problems
These issues may include anemia, poor muscle tone, prominent joints, medical or dental issues, missed medical appointments, poor language or social skills, recurring infections, repeated accidental injuries caused by a lack of supervision, skin issues such as sores, rashes, flea bites, scabies or ringworm, thin or swollen tummy, tiredness, untreated injuries, and growth issues.

Housing and family issues
Some of these warning signs may include the child living in unsuitable housing conditions, such as no heating or running water, being left alone for long periods, not having a curfew or bedtime, or taking on the role of carer for other family members.

Change in behavior
Changes in behavior may manifest as showing sudden changes in behavior or school performance, becoming more clingy or aggressive, being withdrawn, having poor peer relationships or an inability to relate to children of the same age, begging or stealing food or money, depressed, or anxious, changes in eating habits, displaying obsessive behavior, difficulty in focusing, having a poor record of attendance at school, being constantly watchful (preparing for something to go wrong), or showing signs of self-harm.

Conclusion
Having one of the above signs does not necessarily mean the child faces neglect. However, the persistence of multiple signs over a significant period could indicate a more severe problem that may require outside intervention. One of the ways of helping children out of such neglect and giving them a chance at a thriving life is by sponsoring them. Sponsoring a child can cost as little as $1 per day and help them out of poverty and neglect.

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Purchasing insurance can be an excellent financial decision. When you buy insurance, you make small payments called premiums to an insurance company so that you and your loved ones are protected during a financial emergency. However, there are a lot of factors to consider when buying an insurance plan. And more often than not, people make mistakes during the process, which cost them a lot more than they would otherwise pay. Opting for low premiums People often opt for a plan with a lower premium because it is easier on the pocket. However, such plans usually provide a smaller claim amount during an emergency. So, try to find a balance between the premiums you pay and how much money you get during a claim. Not trying other insurance providers Staying with the same insurer might make the documentation process easier when renewing the policy or buying a new one. However, it can cost you more in the long haul. The provider may not always offer the best price for a preferred plan. So, if your situation changes—for example, if you get married, buy a car, or move to a new state—compare different insurance companies before choosing one. Not reading the fine print Every insurance plan comes with terms and conditions.
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4 services Medicare does not cover

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Medicare is a health insurance program issued by the government. The program covers people aged 65 or older, certain people with disabilities, and patients with end-stage renal diseases. It encompasses several plans and is divided into four parts with certain services – A, B, C, and D. Out of these, Part A is free for those who’ve paid Medicare taxes for at least ten years, but the others have to pay a premium. Even though the program is helpful for many, some Medicare plans are complicated in terms of coverage. This makes it difficult to understand. They might cover various aspects of health care, but many conditions are not covered as well, some of which include: Dental care Medicare plans may cover basic health care services and X-rays, but they have a limit of $1,500 annually. Medicare plans may not cover routine dental checkups and treatment of certain dental services. They also do not cover dentures and fillings. However, in the case of emergency hospitalization, patients can use Part A to pay off certain dental services. Long-term hospitalization Usually, all Medicare plans cover up to 90 days of hospitalization. The benefit period begins on the first inpatient day at a hospital or nursing facility and ends when inpatient care isn’t received for more than 60 days.
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As a beginner investor, investing too much money at the start can be quite difficult and overwhelming. However, if you choose the right brokerage account, you can earn a lot back from it in terms of investment knowledge. So if you are looking for the best cost-free investment advisors to provide you with long-term portfolio management services, then you have come to the right place. Here is our collated list: Interactive Brokers Investment Brokers has an entity known as IBKR Lite, which offers commission-free trading on various commodities. It mainly covers exchange-listed stocks as well as exchange-traded funds (ETFs). It also offers low-priced access to various global markets without any account minimum or inactivity fee. Additionally, it offers the best competitive interest rates, while its client portal, which offers trading and account management services, is highly preferred by users. One of the most notable points is that IBKR Lite has been around for over 40 years, having earned the trust of a vast client base. You Invest by JP Morgan Chase You Invest Trade, offered by JP Morgan Chase, is one of the best low-cost investment advisors. It is complete with a range of commission-free ETFs and stocks that can be traded online.
Reverse mortgage eligibility and its criteria

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As you approach retirement, most of your money has been invested in your home. A reverse mortgage is an excellent way to tap into your home’s equity. If you have paid off a home loan or have only a small amount to be paid, it is a good option to meet various financial goals. Here are the criteria for reverse mortgage eligibility: Personal criteria Age You must be 62 years or older, to apply for a reverse mortgage. Generally, as you grow older the Home Equity Conversion Mortgage (HECM) amount increases. Property The home should be your primary residence, and you need to live there for the entire duration of the reverse mortgage. Rental properties and vacation homes do not qualify for such mortgages. Home equity You should be the owner of your home outright or possess a minimum of 50% home equity. There is a possibility that you may qualify for a reverse mortgage despite having some outstanding balance on your existing home loan. However, the criterion is that you must first pay off the remaining mortgage from the sanctioned amount and meet other liens. The balance funds may be used for any other purpose. Using a reverse mortgage to refinance existing debt is beneficial in reducing your monthly cash outflows.

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