A brief guide to credit card hardship programs

A brief guide to credit card hardship programs
Emergencies like losing a job, sudden medical expenses, or financial setbacks can often cause or increase debt and also make it difficult to keep up with debt repayment. Credit cards are one of the most common sources of debt in the country. Fortunately, there are ways in which one can avoid defaulting on their credit cards, especially when dealing with sudden yet temporary financial difficulties. One such option is a credit card hardship program. What are credit card financial hardship programs? A credit card hardship program is an option offered by credit card issuers and banks to customers facing financial difficulties, providing them temporary relief. If, due to certain circumstances, the customers find themselves unable to make even minimum monthly credit card bill payments, they can seek assistance from their lender through these programs. The bank or lender can arrange for these cardholders to make reduced payments toward their existing credit card debt. Features A financial hardship program can help provide monetary relief in several ways, the exact benefit varying from lender to lender. But a credit card hardship program typically has one or more of the following features: 1. Reduction in the monthly payment amount One of the most common ways lenders offer financial relief to their customers is by temporarily reducing the minimum monthly payment on their credit cards.

Top 10 reasons to get a home alarm system

Top 10 reasons to get a home alarm system
Enhancing the security of a home is essential for preventing theft, intrusions, and damage. An alarm system can help here. From deterring intruders to alerting the authorities, an alarm system can protect the home and its occupants, giving them some peace of mind and a sense of security whether they are at or away from home. Also, today one can choose from different kinds of security systems and get additional features like video surveillance. 1. Deter intruders Alarm systems can deter intruders. Upon noticing a security system, burglars and other intruders may avoid targeting a home. The mere sight of security cameras or alarm sensors can make intruders think twice before attempting to break into a home, as such tools can capture the home invasion and alert the authorities as well as home occupants, leading to the intruders’ arrests. So, a security system can reduce the risk of burglary and property damage. 2. Get immediate alerts Modern alarm systems are equipped with advanced sensors and monitoring technology that can detect unauthorized entry or suspicious activity in real time. Then, the systems can promptly alert home occupants and authorities, allowing for swift response and intervention. The immediate notification ensures that one can take appropriate action to address the situation, whether it involves contacting law enforcement agencies or strengthening the security of their property.

Top 7 car rental companies

Top 7 car rental companies
Traveling around the country is often exciting, but it can sometimes be challenging to find a reliable mode of transport. This is where car rental companies come in. These enterprises offer a broad range of vehicles to choose from. Whether traveling alone or with their family, renting a car offers travelers flexibility, comfort, and peace of mind. With various car rental companies available, travelers can easily find the perfect car for their journey. Top car rental companies 1. Enterprise Rent-A-Car Enterprise Rent-A-Car is a company that has been in the car rental business for a long time. It owns the largest fleet, provides great customer support, and operates in over 8,000 locations across the world. With a confident approach, the company provides customers with the most extensive selection of vehicles, varying in price from economy class to business class. Their flexible rental terms, including hourly, daily, and long-term rentals, ensure customers can customize the rental duration to suit their travel plans. 2. Hertz This is a brand associated with quality and flawless service. Hertz provides a diverse fleet of cars organized according to different budgets. Hertz’s Gold Plus Rewards program, which has made the company the most trusted customers’ choice, offers a wave of privileges such as faster booking, faster service, and discounts for future rentals.

Top 8 mistakes first-time RV buyers should avoid

Top 8 mistakes first-time RV buyers should avoid
Recreational vehicles, or RVs, have gained momentum as many travelers have realized the importance of luxurious, private journeys to travel destinations. RVs, also called travel trailers, have several accommodation facilities, such as cooking spaces and living rooms, allowing travelers to spend quality time with their loved ones while traveling in a vehicle that feels like a second home. However, buying an RV is a major decision, so one should research well and avoid certain mistakes. 1. Overlooking RV size As a first-time RV buyer, one may find it somewhat confusing to determine the right RV size. There are multiple factors to consider when deciding what size of RV one should go for, including the approximate number of travelers, the volume of luggage to be carried, and the average frequency at which one may travel. Buying an RV larger than one requires spending more than necessary, which can cause a financial problem later. Also, such RVs might unnecessarily occupy space in one’s garage. Conversely, tiny RVs may not be comfortable for travelers if the number of passengers is large. That’s why one should consider all such aspects when determining the RV size. 2. Not setting a budget limit An RV is an expensive, albeit long-term, investment, so considering the budget is essential to buying one.

6 common genealogy mistakes to avoid

6 common genealogy mistakes to avoid
Genealogy is the study of families and their history. It involves tracing their lineages and uncovering intriguing stories. Every step a person takes to learn about their family’s past could reveal new relatives and entertaining anecdotes. Those new to genealogy often make some common mistakes, which can lead to inaccurate results. By avoiding such common errors, individuals can succeed in their genealogy research while gaining a deeper understanding of their family’s history. Common genealogy mistakes to avoid When researching, people make common genealogy mistakes, which must be avoided to ensure successful research. 1. Not reviewing each document carefully Even the most experienced readers can make the mistake of ignoring everything else on a document and focusing only on the names and dates. Skimming each document could cause one to overlook vital details that, while initially unimportant, may later prove to be the crucial hint needed to continue the investigation. It can be avoided by carefully reading every bit of information on every document, including newspaper stories and obituaries. However, it is also important to note that not everything in print needs to be trusted. A family genealogy or record transcription may not always be accurate just because it has been recorded or published.

Uncontrolled Asthma – Causes, and Worst Cities to Live In

Uncontrolled Asthma – Causes, and Worst Cities to Live In
Asthma is a chronic respiratory condition that causes swelling and inflammation of the airways. It is estimated that more than 339 million people worldwide suffer from this disease. It affects people of all age groups, and genders. However, it is more common in adult women than in men. Asthma has no specific underlying cause, but various allergens like pollen, dust, mold and even perfume can trigger asthma. Read on to learn more about the condition. What is uncontrolled asthma? Uncontrolled asthma is when affected individuals have persistent symptoms that interfere with daily life, even when they are on regular medication. It is estimated that over 60% of adults who are asthmatic suffer from uncontrolled asthma. Causes of uncontrolled asthma Stress People may experience asthma attacks due to excessive stress and strong unpleasant emotions like unhappiness or crying. One must try to reduce one’s anxiety and stress. Underlying health condition Some respiratory health conditions like sleep apnea that block the upper airway while sleeping can lead to an asthma flare-up. Environmental allergies could also worsen asthma attacks. Weather change Moving from drier to humid air or warmer to colder air might cause asthma attacks. This condition can be brought on by minor weather changes or leaving a controlled environment.

Our
Blog.

3 tips for diabetes management

3 tips for diabetes management

High blood sugar or hyperglycemia is associated with prediabetes and diabetes. The body generates insulin to manage blood sugar levels. But when the liver produces excessive glucose, and the body makes little insulin or fails to use insulin, it leads to high blood sugar levels. The condition can leave one tired and thirsty, cause blurry vision, and result in the frequent urge to pee. Read on to know some treatment plans for diabetes management: Treatment options for diabetes management Invokana® It is an excellent treatment plan that works in tandem with the proper meal plans and exercise to lower high blood sugar levels in those with type 2 diabetes. Invokana ® also reduces the risk of death from stroke or heart attack. Plus, it helps decrease the risk of end-stage kidney disease and worsening of kidney function. GlucoTrust GlucoTrust promises to help maintain healthy blood sugar levels, reduce one’s craving for sugar and unhealthy foods, and support deep sleep. It also claims to have a formula of all-natural ingredients. However, it is strongly advisable to consult your doctor before opting for supplements like GlucoTrust since it may not bring the desired results in all cases. Kerendia® It is an FDA-approved prescription treatment that aids in lowering the risk of complications in people with Type 2 diabetes.
Read More
4 tips for dealing with asthma

4 tips for dealing with asthma

Asthma is a respiratory condition wherein the airways in the lungs swell up, become narrow, and produce extra mucus, making it difficult to breathe. People affected can experience breathlessness, coughing, and wheezing. The disease could be a minor issue for some, while others may have to deal with serious long-term symptoms. Although there is no permanent cure for asthma, here are treatment options, foods to have and avoid, and alternative therapies to manage the symptoms: Treatment options Doctors can recommend the right course of treatment based on the severity of asthma symptoms. Here are a few popular options: Tezepelumab: It is a popular treatment option, approved by the FDA as a supplementary maintenance remedy for pediatric patients over 12 and adults with asthma. Tezepelumab is an injectable option and the first and only biologic to significantly and consistently reduce severe asthma symptoms in clinical trials. Fasenra: This is a monoclonal antibody that works on the immune system activity in the body. Fasenra helps control the elevated eosinophil count responsible for severe asthma symptoms. This injection is suitable for children over 12 and adults and can be used with other treatment plans to keep flare-ups in check. Nucala: This is a monoclonal antibody that also reduces the eosinophils in the body.
Read More