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Aging – Its types, warning signs, symptoms, and risk factors

Aging – Its types, warning signs, symptoms, and risk factors

Aging is a natural process. All of us grow older with time, which is why it is crucial to lead a healthy lifestyle. This way, old age does not bring too many problems along. From pain in the joints to suffering from forgetfulness, there are a bunch of things that are associated with aging.

Types of aging

  • Cellular aging
    The aging process of cells is dependent on the frequency with which they replicate. A cell can replicate itself around 50 times, and after that, the genetic material cannot be copied properly. This happens because of shortened telomeres.
  • Hormonal aging
    Hormones play a huge part in the aging process, more so when a person is in their childhood or adolescence. The levels of hormones keep fluctuating as long as we live. Puberty results in the formation of large pores and acne. As we get older, the change in hormones contributes to the formation of dry skin.
  • Metabolic aging
    Cells are responsible for transforming food into energy throughout the day. The byproducts produced during this process can be quite harmful. The metabolizing process causes damage to the body. Some are of the opinion that the slow-down of the metabolic process through methods like calorie restriction could result in slowing down the process of aging.

Early warning signs of aging

  • Sunspots
    Sunspots, also referred to as age spots, are spots found on the surface of the skin. These are caused when one is exposed to the sun for years. These are hyper-pigmented spots that form on the back of one’s hands, face, or forearms. Most people suffer from this condition after they turn 40.
  • Gaunt hands
    With time, the uppermost layer of the skin becomes thin. When this happens, the protein content in the skin that gives it a structure starts withering away. The hands will appear to be abnormally thin and might form wrinkles. People who are in their late 30s or early 40s are more prone to this condition.
  • Inflammation in the chest
    As people get older, they develop certain patches on their skin. Just like sunspots, this pigmentation happens due to the damage caused to the cells due to sun exposure.

Symptoms

  • Being susceptible to infection
  • Higher risk of suffering from hypothermia or heat stroke
  • A marginal decrease in height when bones get slightly thin
  • Crack in the bones
  • Stiffness building up to arthritis
  • Crooked posture
  • Restricted movement
  • Reduced energy level
  • Suffering from constipation
  • A reduction in visual acuity
  • Weak peripheral vision
  • Hearing loss
  • Sagging skin
  • Severe weight loss
  • Involuntary urination
  • Memory loss

Risk factors

  • Smoking
    The toxins found in cigarettes lead to oxidative stress on the skin. This results in wrinkles, dryness, and other symptoms of aging.
  • Genes
    Certain genetic conditions lead to aging signs when a person is in their childhood or early puberty. These kinds of genetic conditions are referred to as progeria. Wrinkles, hair loss, and graying hair are some of its symptoms.
  • Sleeping habits
    Sound sleep is essential for the body to regenerate or generate new cells. If you do not get enough sleep, you are at a higher risk of suffering from signs of aging.

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5 mistakes to avoid when purchasing insurance

5 mistakes to avoid when purchasing insurance

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.
5 mistakes to avoid when purchasing insurance

5 mistakes to avoid when purchasing insurance

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.
4 services Medicare does not cover

4 services Medicare does not cover

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.
A look at some of the best free investment advisors

A look at some of the best free investment advisors

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

Reverse mortgage eligibility and its criteria

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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