Saturday, October 19, 2013

Preventing high blood pressure


Preventing High Blood Pressure


If you are battling high blood pressure there are many ways to lower it and prevent yourself from developing it again. The best way to start is without medication if you can help it by making some lifestyle changes.


Do you smoke? If so, this can raise your blood pressure. Try to cut back if not quit altogether. There are many aids that can help you quit smoking. Do you drink quite a bit of alcohol? This will also raise your blood pressure so try to cut back to a drink or two a day.


Do you consider yourself physically active on a daily basis? Getting at least thirty minutes of exercise a day has been proven to lower and maintain a healthy blood pressure level. Do ten minute intervals if you cannot set aside thirty minutes all at one time.


Start a healthier diet. Did you know salt increases your blood pressure dramatically? Limit your intake of salt or substitute it for other seasonings. There are so many different seasonings available you should have no trouble finding one you really like.


Add plenty of vegetables and fresh fruits into your diet. This will also help lower and control your blood pressure. Try to stay away from fatty foods as well.


If you are over weight this could have a major impact on your blood pressure. Losing as little as ten pounds can significantly reduce your blood pressure. Once you lose ten pounds you will see how easily you can lose more and you will notice how much better and healthier you feel. Not to mention your blood pressure levels will decrease.


Do you have a stressful job or life? Try to do away with as much stress as you possibly can. If you cannot avoid all the causes of stress in your life find something that helps you relax and de-stress. Meditation might work wonders for you.


There are certain things you cannot avoid that have an effect on high blood pressure. Your race: African Americans are at a higher risk. If you are older than fifty-five you are at risk as well and unfortunately you cannot make yourself younger.


If you have a family history with high blood pressure, you want to start early prevention. Knowing about your family history will help in cases like this. Even if you do not have high blood pressure now you have the risk of eventually developing it, but that doesn't have to happen. Early prevention can keep your blood pressure down.


Stay away from drugs and painkillers if possible as they can cause high blood pressure. Some prescription medications can cause high blood pressure such as: nasal decongestants, anorexia drugs, steroids, antidepressants, oral contraceptives and cold medicines.


If you are taking any of these and are having problems with your blood pressure levels, be sure your doctor is aware you are taking them.


Having high blood pressure can put you at a higher risk of stroke and heart and kidney disease so preventing this can benefit your health immensely. Talk with your doctor of any questions you might have or concerns. No question is silly and it is never too early to start taking better care of your health starting with your blood pressure.


 



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Monday, October 7, 2013

5 Major Reasons Why You Should Buy a Home Instead of Rent

There are times when it is better for a person to rent, but most often home ownership has many more benefits and advantages.

 About 10 year ago a had a retired aunt and uncle who rented a condo in Las Vegas. Uncle Jim (not his real name) was a retired minister. Throughout his career he and his wife lived in parsonages, which are homes furnished by the congregation while they ministered there.

 He and his wife told me that the biggest mistake they ever made was not to invest in buying a home. In their retirement years, when their other retired friends were living in homes that were almost paid off and had appreciated greatly, Uncle Jim and his wife were using a huge portion of their limited retirment money to make expensive condo rent payments. They strongly cautioned me not to make the same mistake they had.


 Recent studies are showing that there are many benefits for both the owners and the community for owning your own home, including increased education for children, lower teen-age pregnancy rate and a higher lifetime annual income for children. Besides these, listed below are some of the primary advantages for owning your own house.


 1) More Stable Housing Costs
 Rent payments can be unpredictable and typically rise each year, but most mortgage payments remain unchanged for the entire loan period. If the taxes go up, the increase is usually gradual. This stable housing cost especially important in times of inflation, when renters lose money and owners make money.

 2) Tax Savings
 Homeonwers can be eligible for signifigant tax savings because you can deduct mortgage interest and property taxes from your federal income tax, as well as many states' income taxes. This can be a considerable amount of money at first, because the first few years of mortgage payments is made up mostly of interest and taxes.

 3) Debt Consolidation
 If you need to, you can refinance a mortgage loan to consolidate other debts (an opportunity you don't have if you are renting.) And the interest on this is also tax deductable.

 4) Equity
 Instead of payments disapearing into someone elses pocket, home owners are building equity in their own home. This is often one of a person's biggest investment assests. Each year that you own the home you pay more toward the principal, which is money you will get back when the home sells. It is like having a schelduled savings account that grows faster the longer you have it. If the property appreciates, and generally it does, it is like money in your pocket. And you are the one who gets to take advanatge of that, not the landlord. You can then use this equity to plan for future goals like your child's education or your retirement.

 5) It is Yours!
 When you own a home you are in control. You the freedom to decorate it and landscape it any way you wish. You can have a pet or two. No one can pop in and inspect your home and threaten to evict you.


 Even young people, like college students out on their own, can often benefit from home ownership. It puts them ahead of other young people their age financially by helping with their credit and giving them what is often an excellent investment. Often a college student buying a home will rent the rooms out, and his or her roommates end up making the payments for the house. When the student is ready to move on, her or she can sell the home (hopefully making a profit) or keep it as an investment and continue to rent it.

 Buying a home is an important decision. It is often the largest purchase a person makes in his or her life. Home ownership also comes with some increased responsibilities, and isn't for everyone. There are some disadvantages to homeownership that you should take into account.

 1) Increased Expenses
 Your monthly expenses may increase, depending on your situation. Even if the monthly payments are the same, home owners still have to pay property taxes, all the utilities, and all the maintenance and upkeep costs for the home. Often you need to supply appliances that were furnished with a rental.

 2) Decreased Freedom of Mobility
 Homeowners can't move as easily as a renter who just has to give notice to the landlord. Selling a house can be a complex and time consuming process.

 3) Risk of Depreciation
 In some areas with overinflated prices, there may be a risk that the house will depreciate instead of increase in value, if the prices go down. If you then sell the house, you may not get enough money from the home to pay back your mortgage, and you will still owe the mortgage company money.

 4) Possibility of Foreclosure
 If for some reason you are unable to make your payments, you risk having the lender forclose on your propety. This can result in the loss of your home, any equity you have earned, and the loss of your good credit rating.

 When considering home ownership, you need to weight the advantages and disadvantages for yourself. If you are like most people, you will find that homeownership is worth the risks and disadvantages.