Not many of us know that dentists can learn about our general health by looking at our teeth and gums. A range of conditions like osteoporosis, diabetes, thyroid problems, leukemia, anemia, HIV, eating disorders and many others affect our oral health. And, the antithesis is also true. For everyone, but especially for seniors, it is important to have regular health check-ups. And dental inspections are as much an essential part of this effort. Aging brings with it, apart from the wisdom of life, a few health concerns too. Medical expenses are not low-cost anymore. A good insurance plan that covers a significant part of any medical bill that we might incur is certainly a meaningful investment to make while we earn and save money. One particular kind of health insurance that is typically not included in the general medical insurance policies is dental insurance. Like any regular insurance plan, it pays a part of the cost incurred for dental care and treatment. Dental treatments are usually more expensive than other medical procedures, and it is best to have an exclusive dental insurance policy for seniors dedicated to paying for expenses that might arise. A readily available senior dental insurance coverage also ensures that the necessary treatments happen at the right time and is not delayed because of a lack of it.

It is common for people to borrow and pay for their education, housing, or supplement other pressing financial requirements. However, the high-interest rate and repayment schedule often make it difficult for borrowers to manage their debt. To help pay off outstanding amounts, debt settlement companies help reduce and consolidate loans for better financial management. Have a look at the top 10 debt settlement companies and their key features. National Debt Relief National Debt Relief offers the best short programs for a larger (minimum $20,000) debt payoff. It ranks highly among the top 10 debt settlement companies and is accredited by the AFCC (American Fair Credit Council). The company charges a standard 15% to 25% fee for reducing your debt by almost 50%. Accredited Debt Relief If you are struggling to pay off multiple creditors, American Debt Relief can help you with your outstanding debts with its unique 12 and 48-month programs. The minimum amount you can settle is $7,500 and at present, the company has active operations in only 32 states. Freedom Debt Relief Freedom Debt Relief is one of the top AFCC accredited choices for variable programs that cater to a large customer base. On average, you may incur a 22% charge for settling debts as low as $7500.

A home equity loan is a way to finance repairs, college education, or medical bills as well as other major expenses. The equity of the homeowner is used as a collateral to procure a loan. Depending on the amount needed and your eligibility, the term, as well as the Annual Percentage Rate (APR), are decided by the lender. The following are the top four lenders for home equity loan in 2018: Lending Tree This is one of the most trusted lenders. You may opt for a home equity loan or even a home equity line of credit with them. Their portal is simple to use, where you would just need to feed in the essential details to get the best rates. They have a speedy process, and you will get your loan within a matter of days if you fit their eligibility criteria. U.S. Bank The home equity loan rates offered by the U.S. Bank are 4.89% APR for a 10-year term and 5.34% APR for a 15-year term. These rates require you to fulfill specific eligibility criteria, and you may check their portal to find out if you may get a loan from one of the most trusted banks in America.

You must have heard the term Medicare Part B very often when talking about health insurance, but how aware are you of what it means and how it works? Medicare Part B is an important term related to health insurance and is a part of the Original Medicare, which covers the supplies as well as services that are important for your health and well-being. This includes preventive services, outpatient care, durable medical equipment, and ambulance services. In addition, it covers home health and part-time health services if they have been ordered by your doctor for your condition. Who is eligible for Medicare Part B? Those eligible for the Medicare Part A premium-free service are equally eligible for Medicare Part B. There will be a monthly premium payment for those who wish to enroll. However, those who are not eligible for premium-free Part A may enroll for part B if they are over 65 years of age and are a citizen of the country. Individuals who receive retirement benefits before they are 65 years old or have qualified for Medicare due to disability are automatically enrolled for Parts A and B once they are eligible. Those who do not sign up on time might be required to pay a penalty.

Medicare Part D is a form of coverage that is offered by private companies which include Humana. It depends on your enrollment with Medicare Part C or original Medicare on whether you get Humana Medicare Part D or not. The coverage may be bought through two different ways—one is by joining the Medicare Advantage plan and the other is to buy a separate prescription drug plan that will work with the Basic Medicare plan. In case you are enrolled for the Humana Medicare Advantage Plan that includes prescription drug coverage, it is best to not enroll in a separate plan for the same. In case you do, you will be immediately disenrolled from the Advantage Plan and you will return to the Original Medicare. At the same time, you may enroll for Humana Medicare Part D if you are in a Medical Advantage Plan and it does not offer any additional prescription drug benefits. How does the plan work? The plans need all the private companies to offer coverage with regard to part D in order to provide the minimum benefits to enrollees. Every plan will have a list of medications that are covered in it which you need to keep in mind.

Every individual yearns to own their house someday. However, financial conditions may be a barrier to afford a house. At the same time, with great mortgages, you may get fast home loans to buy your own dream house. Here are the top five lenders for online home loans: SoFi SoFi is a known player in the loan market. They are not only one of the established home loan lenders, but they also offer personal loans and refinance loans. The down payment required for the loans by this company is 10%, and they may finance you for an amount of up to three million dollars. Additionally, you need not pay an origination fee, and the pre-qualification process is quite fast. If you are looking for fast home loans as well as great rates on online home loans , SoFi is a definite choice to make. Lenda Being a trusted name in the market for home loans , the pre-qualification process for this provider is done within a matter of minutes. Get pre-approved, check your credit score and eligibility, and get fast home loans as per your needs. You may go on to their portal, pick any of the options—pre-qualification, apply for the loan, or check rates, and find out the best offer depending on the down payment you are willing to make and the area in which you are residing.

If you are a new entrepreneur raring to compete with the big daddies in the market, you have a lot on your plate. One of the most important steps to take care of as you start a business is to open a small business bank account. It will help you manage the finances and also let you maintain a higher level of professionalism when you are dealing with third-parties. Importance of a small business bank account When you open a small business bank account, you are basically separating your personal account from the bank account. This helps keep your business income and expenses separate from your personal finances. It is also important to maintain a separate bank account for the purpose of taxation in case of a company or a partnership. It will maximize your tax deduction and help manage the cash flow of the business. The bank account may also be linked to the business credit card, thereby making it easier for you to keep a track of the expenses. However, as a sole proprietor, it is not mandatory for you to open a separate account for taxation purposes. In the case of a small business, you will have a number of deposits and withdrawals made from time to time.

Vanguard is touted to offer the best investing funds in the market due to their selection of the best stocks, funds, and Exchange-Traded Funds (ETFs). However, perhaps the one place where they do tend to make their prospective customers nebulous is the vast types of funds they offer. Therefore, it is advisable that individuals do a thorough research of all the funds they have to offer or, take help from the below list of the 10 best Vanguard funds. Vanguard Total Stock Market Index Vanguard’s Total Stock Market is one of the biggest and best mutual funds due to its attractive features that include low expenses and a heterogeneous index fund. Vanguard 500 Index 500 Index predominantly means a fund that holds about the largest 500 U.S. stocks (such as Apple, Google, Facebook, and more). It is ideal for investors who wish to build their own portfolio. Vanguard Total Bond Market Index With a minimum investment of $3,000, the Total Bond Market focuses on investing more in stocks while a portion of their investment is put into bonds as well. Vanguard Total International Stock Market Index Vanguard’s international stock funds include stocks from emerging economies such as India and China as well as from developed countries.

Apart from student loans, there are loans for parents who want to help their children get through college. Known as the Parent PLUS loan, parents of dependent undergraduate students can avail of this. There is a fixed interest rate on the same and it has flexible repayment terms. It is important that parents have a good credit history in order to be eligible for such a loan. Before taking a Parent PLUS loan, it is important to understand if the child has exhausted the eligibility for his/her loan. This is because all student loans have a low interest rate which means that it is ideal to opt for a student loan first. Many parents borrow to ensure that their children do not have too much debt on themselves. However, as parents, you can help your children repay the student loan as well. It is not necessary to apply for college loans for parents. How to apply for a college loan for parents In order to apply for the loan, you will be required to make an application at the office of the college or university the child is enrolled in. You will have to request for the loan yourself. Additionally, the student must be enrolled in the school and the funds must be used for his or her educational purpose only.

A common belief is that a personal loan or any other loan is only processed after a thorough credit check. Individuals with a bad credit tend to postpone the loan application in the fear of a credit check. The credit score is considered to be an important factor for borrowers. Banks and financial institutions offer loans based on the credit report and credit score as well; this helps them determine the applicant’s ability to repay the loan. Nowadays, however, there are many easy ways to avail a personal loan with no credit check. It is now possible to apply for a loan online and receive the money in your account in no time. There are reliable lenders in the industry who lend funds without doing a credit check. The lenders offer a no-credit-check loan and when you apply, they look beyond the credit score to determine your ability to repay the loan. If you are in need of immediate funds but have a bad credit score, you can apply for an easy personal loan with no credit check. Such loans are also referred to as unsecured loans or payday loans. Benefits of personal loans with no credit check The biggest benefit of a personal loan with no credit check is that those with a low credit score may apply and receive funds for their needs.

Be it home renovation, a wedding, or your dream vacation, nothing should stop you from doing what you want in the best way possible, not even money. And that’s why personal loans are important. These loans are generally unsecured, but a secured personal loan may come with a lower interest rate. While these loans can be used for just about anything, ensure that you borrow from a trustworthy bank. To help you, here are the top five banks in Pakistan you can approach for personal loans. Standard Chartered bank Standard Chartered is one of the top banks in Pakistan, but getting a personal loan from the institution is not difficult. Potential borrowers can get a loan of any amount between PKR 30,000 and PKR 4 million, depending on their income, eligibility, and repayment ability. These can be repaid over 12-60 months, and attractive interest rates and online banking services make it easy to manage the loan. The eligibility criteria include a minimum age of 21 for salaried applicants and 25 for self-employed applicants, a valid Pakistani phone number, and an active email ID. Additionally, one must submit their Computerized National Identity Card (CNIC) and income proof while applying. Bank Alfalah Getting a personal loan from Bank Alfalah is hassle-free, and there is no security requirement.