Credit can be a frustrating concept—you need to have credit to raise your score to be eligible for desirable cards and loans, but you can’t build it without taking out a credit line. This becomes even more challenging for individuals who have had to use credit cards to cover needed expenses and were unable to pay the bill on time, creating a cycle of late fees, interest payments, and hits to the credit score. [2] Generally speaking, someone with a credit score of 690 and above is classified as having “good credit.” People with fair or average credit typically have…
Author: Kristie
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Insurance plans can be intimidating to navigate at any age, and, unfortunately, don’t become less complicated as we age. The good news is that there are resources available to help seniors effectively consider insurance options. Medicare is a government-supported insurance initiative that provides plans for seniors to supplement the costs of medical care. In order to qualify, the applicant must be at least 65 years old, reside in the US, and be considered a US citizen or have been lawfully admitted to the US for at least five years in a row. Additionally, Medicare provides options for individuals who have…
The kidneys are bean-shaped organs that process wastes within the body and manage fluids to avoid fluid overload. Chronic kidney disease (CKD) occurs when kidney function declines over time, resulting in the inability to effectively filter wastes. This disease leads to serious complications and should be managed under the care of a qualified clinician. [1] According to the National Kidney Foundation, around 37 million United States citizens currently have CKD, and many who do not currently have the disease have genetic and lifestyle risk factors that impact their likelihood of eventually getting the disease. Since CKD can cause progressive, serious…
While loss of teeth is common as we age, seniors often consider solutions to help restore their smile. Many people associate the smile with a person’s identity and are interested in a getting natural-looking dental implants.