When to See a Specialist: Three Health-Specific Appointments You Should Make

For those of us who are getting older, we’re no stranger to making various health appointments for those little aches and pains and weird, quirky health things that crop up from time to time. For many of us, it’s just a matter of course. For another subset of folks, you may find yourself ignoring those little aches and pains and choosing instead to focus on other responsibilities and hobbies, rather than wasting time to go to the doctor.

Photo Credit: EVG photos

Photo Credit: EVG photos

The truth is, though, that old adage “you’re only as healthy as you feel”, is only partially true. If you’re ignoring health concerns, no matter how minor, you may be creating bigger problems for yourself down the line. And it isn’t always as simple as going for routine checkups, either. There are times when you may need to see a specialist - a doctor who has a certain area of expertise - to pinpoint those bigger health problems and provide you with the care you need. 

Below are just three areas of specialized medicine and why it’s a good idea to book that appointment: 

Surgical Oncologists

A surgical oncologist is a surgeon who typically perform minimally invasive procedures and minor surgeries on patients to alleviate symptoms, and remove both malignant and benign growths, tumors and cancerous cells. Surgical oncology can assist patients with breast cancer, those with tumors (in various areas including the lungs, neck, and breast), those with bladder, colorectal, gynecological cancers, and many more. If you have a tumor or a growth that concerns you, or if you’re worried that a lump or mole might be malignant or cancerous, a surgical oncologist is who you should see. Most procedures are non-invasive and in some cases, outpatient. 

Orthopedics

A huge portion of the population find themselves, at one point or another, in need of an orthopedic physician or orthopedic surgeon. Whether you’ve got foot issues just from aging or a demanding job, or if you have an injury that will require physical therapy and treatment to recover from, an orthopedic doctor, west seattle foot and ankle should be on your call-list. Orthopedics is an ever-growing practice that sees millions of patients a year. Sometimes those issues shouldn’t be ignored, and calling an orthopedics practice to make an appointment is a great idea. There’s no reason you should be in pain! 

Gynecology/OBGYN

All those with female anatomy should have a gynecologist or OBGYN on their speed dial. For routine visits such as pap smears, cancer checks and testing, as well as more specific care for those who are pregnant, seeking procedures, or need treatment for disease or illness. As you age, pap smears become more infrequent, but you still should have a dependable gynecologist on hand for any emergencies or necessary routine visits. Often these are accessible even to low-income individuals through sliding scale clinics, health departments and hospitals.

These are just three areas of specialized medicine where you should make an appointment. Taking your healthcare nto your own hands is a good idea no matter what your age, socioeconomic group or health history. 

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Top Tips For Moving Abroad

Are you thinking about moving overseas? Perhaps you need to relocate for work reasons, retirement, family commitment, or quite simply want a whole new way of life.

Whatever the reason for wanting or needing to move, adapting to life in a new country is one of the most exciting - and quite often terrifying challenges that anyone can face in life. As well as all of the life lessons and positives that come from uprooting and becoming an ex-pat, there are lots of obstacles to overcome. This may be getting used to a whole new pace of life, a new education or healthcare infrastructure to try to get your head around or the language barrier.

These hurdles all have something in common: a little bit of preparation and forward planning can make them a whole lot easier to deal with. Here, we look at some of the issues that you may face and the things you can do to make the process a lot smoother for all involved.

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Have a financial safety net in place

It is imperative that before you move, you have a financial safety net to fall back on should anything go wrong. It is a good idea to have a minimum of two months - longer, if possible, living expenses in your bank as a buffer should things not go to plan, or if any unexpected expenses crop up.

Maintain flexibility

While delays to the moving process can be extremely frustrating, it is important to remember that often, they are out of your control, and the best way to deal with them is to accept them and be as flexible as possible. For example, until you have your visa sorted, don’t give up your job, just in case it falls through, or it is delayed for any reason.

Consider renting before buying

It can be tempting to want to jump straight onto the property ladder in your new country, but exercise caution, and do not rule out the benefits of renting over buying a property, to begin with. Spending a few months in an area without long term commitment is a great way to assess if it is the place for you. It might look perfect on paper, but only by living there will you know if your face fits and it is somewhere you can see yourself living long term. Once you know exactly where you want to live, you can buy a property, such as a Second hand-house in Thailand.

Check out the healthcare infrastructure

Your new country may differ significantly from what you would be used to in terms of the healthcare standards, costs, and systems. If your employer is sponsoring your relocation, they should be able to give you information and resources to advise you of your rights and anything you need to do. However, it is ultimately up to you to find out more about the infrastructure and whether you need specific ex-pat insurance, where your nearest hospital is, and how you go about obtaining prescriptions.

Start learning the language

A basic knowledge of a few key phrases could be hugely advantageous in the moving process. Not speaking the language at all can leave you vulnerable to fraud or not getting the best out of your move. It also puts you on a backfoot for looking for work. If you don’t have a job, make new connections and friendships and education. Enroll in evening classes, online groups, or even download an app such as Duolingo to give yourself a heads start on learning the language. Once you are over there and fully immersed in the culture, you will find yourself picking it up very quickly.

Find a community

In most countries, you will be able to find a community of ex-pats. It is just a case of seeking them out. Be proactive in finding them and building up new relationships. It will be lonely at first, leaving behind your family and friends, so meeting people is important. Look online for any local ex-pat groups, join book groups or sports clubs, and involve yourself in local neighborhood activities as much as possible.

Don’t underestimate the paperwork involved\

Opening a bank account and setting up services can involve pre-booking appointments, providing different paperwork, completing multiple forms, and jumping through hoops in general. Make sure you have all of the documents that you may need to hand.

By putting these tips into practice, moving abroad can be an exciting time for you and your family.


The Price of the Pandemic: Ways You Can Improve Your Financial Situation Right Now

The coronavirus pandemic is hitting us all hard. Even those who are lucky enough to have avoided infection thus far. The death toll in New York alone has surpassed 1,000 while the state has around 45% of the nation’s 125,000+ cases. Many New Yorkers are without work, while even the lucky ones will face a reduction in income as they either work from home or are placed on furlough. With no clear end in sight, many are wondering how they will be able to afford to keep the roof over their head. These are stressful and uncertain times, to be sure. But it’s critical not to panic. Take a deep breath. Meditate. Think about some practical solutions to your problems.

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If you’re worried about money, here are some things you can do to improve your financial situation right now.

Ask for a mortgage payment holiday

Whatever you do, you should take care to keep hold of your property! Panic selling would be a huge mistake. This doesn’t just go for your property but for your stocks and other investments. Panic selling in this volatile market will leave you with a meagre return which you’ll regret when the fog has lifted. Instead, ask your bank for a mortgage payment holiday. If you need it, you may be able to apply for a payment holiday on any other debts such as personal loans. However, think twice before doing this. A payment break will inevitably see you spend more in interest and prolong the debt. 

Take advantage of low interest rates by refinancing

Speaking of debts, savvy readers will have learned that interest rates have, after a tumultuous few weeks, plummeted and stayed down. 30 year mortgages are in the low 3s while 15 year mortgages are in the high 2s. If you can spare a little extra in monthly repayments, refinancing now may see you pay a whole lot less in interest and pay off your home loan faster. 

Take stock of your other assets

If you need fast access to cash now, it might be worth taking a look at other assets around the home that you can live without. That first pressing vinyl you bought in 1983. Those Star Wars figures you rescued from your Mom’s attic. Heck, take a look at your cellar. Have you ever wondered just how much is your wine worth? You may be surprised to know, especially when it comes to those prestige bottles you’ve been keeping in reserve. Selling off some non-essentials around the home can give you a little liquidity when you need it.

Resist the urge to panic buy

As important as it is not to panic sell, it’s also essential not to panic buy. The last thing you want is to plough liquid assets into more pasta than you’ll ever be able to eat and more toilet roll than you’ll ever be able to use. Stores will stay open. There’s no need to stockpile like there’s an impending nuclear winter.

Keep a cool head, take the time to learn the reality on the ground and keep a proactive approach and you’ll find that it’s possible to improve your financial situation and mitigate the price of the pandemic.