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.

A lot of people get stuck in debt due to many reasons. The interest rates keep adding up, taking a toll on an individual’s financial stability. In such a case, debt settlement can be quite helpful if you wish to settle a large amount. Here is a list of top 10 debt settlement companies that you can consider to help ease the burden off your shoulders. National Debt Relief National Debt Relief has the most detailed insights on their website that can help you with debt settlement. It talks about the debt qualification, the amount of money you need to pay for enrolments as well as the debt relief services that they offer. The average savings after the fees is around 30%. CreditAssociates This particular company is known for helping clients with the elimination of debt. They undertake this entire process between twenty-four to thirty-six months. They use enhanced software, and the outstanding expertise of their team to help their clients with great debt negotiation services. Pacific Debt Inc This is one of the top 10 debt settlement companies that you can consider. You need to have a minimum of $10,000 in debt to avail their services. They offer an affordable monthly program/plan with payment as well as upfront fees.

Addictions have become an extremely serious global issue. From different kinds of substances to alcohol and nicotine, people can be addicted to a variety of vices. Being addicted to something is a disorder, which affects the behavior and brain. When the addiction increases, one loses control over his/her urge to use the substance, even if they know how bad it is for them. Understanding it better First, one needs to understand that addiction is a disease. It can start from consumption on an experimental basis, which leads to more intake use until the person cannot control the urge any longer. While some substances may take time to become addictive, a few can be riskier and turn a person into an addict immediately. Like most other diseases, addictions can be treated, but it requires more support from loved ones, and one needs to develop the willpower to quit. Symptoms of addiction Sometimes it can become quite difficult to identify if one is addicted to any substance. Avoiding the consumption of alcohol or any other substance is the best way to save oneself from addiction. However, if a person has started consuming any of these substances, they must look for the following symptoms to recognize if they have become addicted.

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.

An allergy is a hypersensitive reaction of the immune system to a foreign substance. The immune system is responsible for producing substances referred to as antibodies. When an individual suffers from allergies, their immune system generates antibodies that help in identifying the harmful allergens affecting the body. The symptoms of allergies are dependent on the substance one has been affected with. The reactions can be mild, moderate or severe in nature. Hay fever Hay fever, which is also called allergic rhinitis, can result in sneezing, runny nose, itching in the eyes or the nose, and watery or swollen eyes. Food allergy An allergy, which has resulted from consuming a particular food item, can lead to a tingling sensation in the mouth, lips or face swelling up or anaphylaxis, which could pose a threat to one’s life. Insect sting allergy A sting from an insect can cause the affected portion to swell up considerably, cause an itching sensation across the body, and lead to shortness of breath. Medication allergy An allergy, caused by the consumption of some medication, results in an itchy skin, rash, hives, swelling on the face, wheezing, and anaphylaxis. Atopic dermatitis This is a skin condition, which also goes by the name of eczema.

Alzheimer’s results in the unfortunate wasting away of brain cells, causing their premature death; it is a progressive ailment. It is the most common kind of dementia, wherein a person’s social skills, behavior, and thinking capabilities decline, disrupting their ability of independent functioning. The earliest signs of this disorder may be forgetfulness with severe memory loss as the disease progresses. Here are the common symptoms of Alzheimer’s disease: Memory loss Repeating questions and statements Difficulty in finding words to identify objects, participate in conversations, or express thoughts Forgetting events, appointments, and conversations Forgetting family members’ names and common objects Getting lost in known places Misplacing things Thinking and reasoning Losing the ability to make reasonable judgments and decisions Making uncharacteristic or poor choices in social gatherings Difficulty in responding to everyday situations Planning and performance Routine activities, such as cooking or planning becomes difficult Advanced stage patients may not be able to perform basic tasks, such as bathing or dressing Personality and behavioral changes Delusions Depression Loss of inhibitions Apathy Wandering Mood swings Modified sleeping habits Social withdrawal Aggression and irritation Distrust in others Why does Alzheimer’s occur? The patient’s brain changes due to Alzheimer’s disease. The brain becomes smaller as the disease progresses with lesser healthy brain cells.

Anemia refers to the medical condition in which the body does not produce enough red blood cells to transfer oxygen to the tissues in the body. When you suffer from anemia, you feel weak and exhausted all the time. This disease can be temporary in nature or have a long-term effect on a person’s health, in which case they will require continual treatment. Causes Inflammation Several kinds of diseases like kidney diseases, cancer, rheumatoid arthritis, Crohn’s disease, and chronic inflammatory diseases obstruct the process of producing red blood cells. Iron deficiency anemia This is the most common kind of anemia. As the name suggests, it is a result of a deficiency of iron in the body. The bone marrow requires iron to produce hemoglobin. When there is a shortage of the nutrient, the body fails to generate a sufficient amount of hemoglobin to produce red blood cells. Vitamin-deficiency anemia Apart from iron, the body requires vitamin B-12 and folate to generate red blood cells. When your diet does not have any of these, there is a sharp drop in the red blood cell count. There are also cases of people who consume vitamin B-12 but not absorbing it properly. That gives rise to vitamin-deficiency anemia.

Arthritis is a medical condition that is marked by inflammation in the joints. It can affect a single joint or several joints in the body. There are different types of arthritis. Each one can be traced to a different cause, with various methods to treat them. Types Primarily, there are two main kinds of arthritis – rheumatoid arthritis and osteoarthritis. These can be broken down into several categories. Osteoarthritis This is the most commonly diagnosed form of arthritis. When a person is suffering from osteoarthritis, the cartilage of the joints gets severely damaged. The cartilage is the tough, coarse protective coating found at the end points where the bones come together to form a joint. Cartilage acts as a cushion to this part of the bones and facilitates the frictionless movement of the joints. When the cartilage gets damaged, the bones grind against each other, causing severe pain and restrictive movements. This damage can take place over a few years or in a short time. Rheumatoid arthritis In this type of arthritis, the immune system adversely affects the outer covering or the lining around the joint capsule. The joint capsule is a hard membrane that surrounds parts of the joints.