Posts tagged with "Life Hacks"

How to get rid of mosquitoes

Mosquitoes may not transmit COVID-19, but they can carry other dangerous diseases, including West Nile virus and Zika.

Most regions of the U.S. have issues with mosquitoes, but knowing prevention and mitigation measures can stop them from mushrooming into a big problem, says Dr. Craig Stoops (www.mosquito-authority.com), a retired U.S. Navy medical entomologist and chief science officer at Mosquito® Authority, a mosquito control company. 

“People are unfortunately attractive to mosquitoes,” Dr. Stoops says, “but there are numerous ways we can avoid the irritation and the potential danger of a bite. So much has to do with preparing your property and knowing how mosquitoes thrive.

“Some people are more susceptible to bites than others. Mosquitoes can be attracted to different chemicals found in human skin. But just because mosquitoes are an inevitable part of summer doesn’t mean you’re defenseless.”

Dr. Stoops offers five tips to reduce the appearance of mosquitoes and their biter:

  • Consider a professional service. Sometimes people prefer to do it themselves when it comes to fixing home issues, but they later find that a persistent problem is often better left to trained professionals. “Companies that specialize in mosquito control can effectively address the problem by implementing an entire program over a period of time, including follow-ups,” Dr. Stoops says. “There is a science and strategy to a program, and it requires considerable knowledge of how to treat different types of yards in different regions of the country. A good company in this industry continually educates its people as well as the consumers on how to effectively stay ahead of the problem.”
  • Get rid of standing water. Still water is a perfect breeding ground for mosquitoes. Common places of standing water include: clogged drain gutters, corrugated drain pipes, bird baths, pet bowls, planters, trash and recycling bins, children’s toys, and kiddie pools. “It is important to remain vigilant and remove any containers and debris from your yard to lower the habitats available to mosquitoes,” Dr. Stoops says. “A mosquito needs only about a tablespoon of water to lay eggs.”
  • Use safe repellents. Repellents registered by the Environmental Protection Agency have been reviewed and approved to pose minimal risk when used properly. “Some of the most effective ingredients commonly referred to in a repellent are DEET, Picaridan, and oil of lemon eucalyptus,” Dr. Stoops says. EPA-approved repellents provide up to two hours of protection.
  • Dress appropriately. “Studies have shown that some mosquitoes are more attracted to dark clothing,” Dr. Stoops says. “Avoid wearing lightweight, thin materials, which mosquitoes can bite right through. Instead, opt for tightly woven materials, like cotton, denim, nylon, or windbreaker-type materials, which are more difficult for the bugs to penetrate. Clothing that provides UV protection is typically tightly woven and often protects against insect bites, too.”
  • Keep your landscape clean. “Trimmed trees and shrubs improve a property’s air circulation,” Dr. Stoops says. “The increased air flow will physically push mosquitoes out of that area and remove the environment they thrive in. Also, there are some gardening choices that can deter mosquitoes: basil, lavender, and catnip are all plants that mosquitoes don’t like.”

“Many people just think of bug spray during mosquito season,” Dr. Stoops says. “The main idea should be to keep them out of your yard as much as possible. From there, considering summer is the time to get away, always prepare for your environment, especially if hiking or camping.”

About Dr. Craig Stoops

Dr. Craig Stoops (www.mosquito-authority.com), LCDR (ret.) MSC USN, is a retired U.S. Navy Medical Entomologist and chief science officer at Mosquito® Authority, a mosquito control company. He has conducted mosquito control and research in the United States, South and Central America, Southeast Asia, Africa and the Middle East. He has a B.S. in biology from Shippensburg University and an M.S. and Ph.D. in Entomology from Clemson University. Dr. Stoops is board certified by the Entomological Society of America in Medical and Veterinary Entomology.

Four reasons why Original Medicare is too expensive

By Christian Worstell, licensed insurance agent and Senior Writer for MedicareAdvantage.com.

As the Medicare Annual Enrollment Period approaches (AEP, also called the fall Medicare Open Enrollment Period), some Medicare beneficiaries may think the enrollment period for private Medicare plans is not relevant to them because they can’t afford a private Medicare plan. I’m here to tell you otherwise. It may actually be Original Medicare that you can’t afford.

There are at least four reasons why Original Medicare — Part A and Part B — may actually be harsher on your wallet than private Medicare plans like a Medicare Advantage (Part C) plan or a Medicare Part D prescription drug plan.

1. Original Medicare doesn’t have an annual out-of-pocket spending limit

Original Medicare offers a lot of benefits. But one thing you won’t find is an out-of-pocket spending limit for all those benefits.

Neither Medicare Part A nor Part B contain an annual out-of-pocket spending limit. That means there is no limit to the amount of money you can spend on Medicare deductibles, copayments and coinsurance over the course of the year. Depending on what types of health care services you need, these costs can add up quickly. Meanwhile, privately sold Medicare Advantage plans are required by law to include an annual out-of-pocket spending limit. For 2021, this limit is $7,550 for the year. And due to market competition, some plans may feature limits that are less than that amount. 

Once you spend $7,500 on deductibles, copayments and coinsurance for qualified care, your plan pays for 100% of your out-of-pocket costs for covered care for the remainder of the year. 

2. Many Medicare Advantage plans feature $0 premiums

90% of Medicare Advantage plans in 2020 include prescription drug coverage. These plans are called Medicare Advantage Prescription Drug (MA-PD) plans. In 2020, nearly half (49%) of all MA-PD plans came with no monthly premium. If you have a $0 premium Medicare Advantage Prescription Drug plan, the only monthly premium you likely have to pay is your Medicare Part B premium, which you would still have to pay anyway if you stick with Original Medicare. (Most beneficiaries aren’t required to pay a Part A premium. If you are, you’d still have to pay those premiums if you have a $0 premium Medicare Advantage plan). 

So with a $0 premium MA-PD plan, there’s no extra monthly premium for you to pay. Your premiums are the same as they would be in Original Medicare.

3. Many Medicare Advantage plans offer extra benefits 

For as much as Original Medicare covers, it has several glaring holes: it doesn’t typically cover routine dental or vision coverage, and it doesn’t typically offer prescription drug coverage. 

But dental, vision and prescription drug coverage are three extra benefits that some Medicare Advantage plans may offer. As mentioned above, 9 in 10 Medicare Advantage plans covered prescription drugs in 2020. If you are enrolled only in Original Medicare, how — and how much — are you paying for things like routine dental care, vision care and prescriptions? 

A Medicare Advantage plan that bundles these benefits into one plan may be more cost effective for you.

4. Medicare drug coverage can help you save money

I mentioned drug coverage above, but given the skyrocketing cost of medications, it’s worth repeating. Paying for your prescription drugs entirely out of pocket can put you at a substantial financial risk. Medicare beneficiaries have two choices for Medicare drug coverage: enroll in a Medicare Advantage plan that includes prescription drug coverage, or enroll in a standalone Medicare Part D plan. Both offer prescription drug coverage with typically low copayments for generic drugs. 

Depending on the plans available where you live, you may be able to find a plan that offers more benefits at the same monthly premium cost with annual spending protection. If you think the Annual Enrollment Period doesn’t apply to you because Original Medicare is all you can afford, you may want to think again.

Rita Azar Illustrates an Entertainment Article for 360 MAGAZINE

How to Use YouTube Offline

YouTube is a great place to watch videos and listen to your favorite music, but only when you have uninterrupted internet access. However, if you commute to work every day and find some spotty areas where there is no connection, it spoils all the fun. Yet,there is nothing you need to worry about at all. We are here to suggest a few ways you can enjoy your favorite music offline on YouTube. One of the lots is that you can use YouTube offline, and another is that you can download from YouTube using video downloader apps such as MP3Studio. Using either of these will enable you to watch your video and listen to your favorite playlist offline without any interruptions and internet connection.

But in the section hereafter, we will only discuss how you can access videos and music using Youtube offline. However, these offline music do not remain for more than 48 hours, and you have to sync with Youtube again to check availability. Let us not waste more time and move towards the steps to help you understand how to use YouTube offline.

Steps To Use Youtube Offline

We want to inform you beforehand that not all videos or audios are available offline, but most of them do offer this feature. These offline music are ad-sponsored, so you have to bear with one before enjoying your downloads. Now let us follow the steps below to learn how to use YouTube in an offline mode.

1. If you are using your mobile device, open the YouTube app, and if you are using your PC, then open Youtube on your browser.

2. Search and select the video or audio you want to consume in the offline mode to experience later.

3. Click on the Download button (it will not be available if the video does not have the feature), which you will find below the video, between the Share and Save buttons.

4. On clicking the button, you will be asked to select the resolution, which is Low, Medium, and HD, of the video you want for offline consumption.

5. Once you click Ok, the video will start downloading. After the download ends, you will see a blue tick, which indicates that the music is now ready for the offline mode.

Now that you have your videos and playlist ready for offline consumption, you only need to head to your YouTube app or browser. Then, open your Account tab and look for Saved Videos. And that’s it, enjoy your music all day long even without internet access.

Music is something that you can only enjoy uninterrupted. Hence, YouTube has it all sorted for you. Just a few clicks, a little patience, and there you are with all your favorite music that you can enjoy anytime and anywhere without an internet connection. We hope we have been able to help you understand how YouTube offline works and how you can consume the videos later. However, we would like to remind you that you will only enjoy them for 48 hours.

Boost Your Education With These Hacks

There are so many things you can do in this day and age to make the most of your education experience. College and university is such an important part in the development of your life, and is certainly something you need to keep in mind moving forward. There are a lot of things that play a role in the process of enhancing your education, and you need to look at how best to achieve this.

When you are at college and talking higher education, it is so important that you do as much as you can to improve your experience. This means looking at the best ways of boosting your studies and trying to get the best possible outcome you can. These are some of the best techniques and ideas to use that can help you achieve this moving forward right now.

Use the Internet to Help You

There are so many things these days that can affect and impact on modern education, and one of the biggest is the internet. The fact that the internet is so cheap and accessible these days makes a big difference to the way the world works, and how education has progressed. You can find out pretty much any information you need or want to through the use of the internet; it is an essential tool for learning and education in the modern world.

Class Notes

You also need to make sure you are making use of the programs and resources that are out there to help you. One of the best ways of achieving this is to check out the different Class Notes formats you can use. This is a site where people can share their notes and assignments for other students to use in exchange for cash. This is an invaluable resource for those looking to learn more and boost their education prospects for the future.

Attend all Your Classes

Of course, the most important part of the process is to make sure you attend all your classes. This is something that has to happen in order for you to learn and understand as much as you can. There are so many things that have to happen in order for this to be the case, but full attendance is key to ensuring you are focused on improving the way you learn.

Speak to Your Tutors

You might also decide that you would like to improve your future moving forward, and there are so many different ideas to keep in mind when it comes to improving this in the future. Speaking direct with your tutors and finding out how you can gain extra credit or improve your learning is so important. This is something you need to make sure you think about moving forward, so it’s essential to make sure you get this right.

It is essential to make sure you speak to the relevant people and do as much as you possibly can to improve your situation. There are a lot of hacks you can use that are going to help you improve your education experience and your capacity for learning. And the more you sort these out, the better they will be for the future – this is something you need to think about moving forward.