It Pays to be Prepared

Having diabetes can change to life of person entirely. From the way one chooses the foods that he will eat to the way he lives his daily life, everything will change. For someone who doesn’t know much about diabetes there are a lot of webs sites, magazines, and books that can help you understand better of the nature of diabetes.

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The greatest problem for diabetics is not being able to access medication when emergency situations occur. That is why, it is important to always have an emergency kit at hand. To keep the medicines from expiring, use them from time to time and replace them with new refills. The emergency kit can include cold medications, antacids, cough syrup, test strips and insulin with syringes if you use one and blood glucose monitoring supplies. If you will purchase over the counter medicines, make sure to read the label before using it. If there is a warning that diabetic people should consult their doctor before using the product, then do so. If you have these emergency kits at home, try to also have it at work or at school.

It is also essential to include in the emergency kit your medical history, prescription medications and emergency contacts. To keep them from getting wet, keep them in a water proof bags. If you are using insulin keep extra syringes, glucagons emergency kit and urine ketone strips. A glucagon emergency kit consists of a syringe filled with liquid which must be mixed with a powder. This kit is only used in case of a Severe Hypoglycemic Emergency. Try also to keep the insulin in a cool place as much as possible to keep it from being damaged.

For people who got caught in the Katrina and Rita hurricane disaster, being prepared made the difference between life and death. And for people with diabetes, being prepared is important to their own personal safety and health. Hence, the best thing a diabetic person can do to prevent any problem with diabetes is to live a healthy lifestyle. It is important to eat healthy foods and have a regular exercise to keep blood pressures at normal and reduce the risk of heart disease and other serious conditions. And most importantly, have emergency kits close at hand at all times.

4 Features to Look for in an Airline Credit Card

Airline credit cards have steadily been gaining popularity in the past few years. Airlines and other companies related to the travel industry benefit as customers utilize their services more frequently; brand loyalty is strengthened as well. Consumers with a good credit history gain by obtaining greater value from their credit cards. Fundamentally, airline credit cards operate in a similar manner; purchases charged to the credit card earn travel points for the card holder, these points can be redeemed in various ways, for example contributing toward free travel, hotel stays, service at a car wash, etc. Four key features to consider while selecting an airline credit card are given below.

Low Interest Rate: The cost of credit is measured in terms of the annual percentage rate (APR). A good credit profile helps to obtain a low APR, i.e. prime + 4%. Most credit cards offer a “variable rate” plan in which the APR changes with certain economic indicators. The interest rates vary with the cards and are influenced by other offerings such as the grace period, annual fee, bonus points, etc. A card holder who does not carry a monthly balance need not really worry about interest rates; however, people who do carry their balances forward can select from a number of airline credit cards that charge a low interest rate. Some cards offer an introductory rate of 0% interest on balance transfers over a period of time, which is typically 12 months.

Preset spending limit: The spending limit in airline credit cards can vary from a few hundred dollars to thousands of dollars. The minimum monthly payment is liable to increase with higher spending limits. Some cards allow users to spend over the credit limit, the amount over the limit and the resulting penalty are settled in the subsequent month’s payment. Credit card bills can quickly balloon to unmanageable proportions. Therefore, inveterate spenders are well-advised to carefully consider the preset spending limit before settling on an airline credit card.                

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Compatibility with other frequent-flyer programs: It is important to check whether an airline credit card offers this feature; portability of miles points is desirable as it allows one the freedom to use the services of more than one airline for redeeming the points. By not being tied down to one airline, users have an increased number of destinations to choose from. Bank-sponsored airline credit cards offer greater compatibility with other frequent-flyer programs as compared to airline-sponsored credit cards that usually focus on a single airline.

Annual fees:  There are several airline credit cards that do not charge an annual fee. Non-airline credit cards that allow users to accumulate miles are usually fee-free. The purpose behind fees is to try and defray the costs of the free miles and other freebies. The average annual fee for airline credit cards is around $ 70. Frequent fliers stand to gain more by using cards that charge a fee because with these cards the airline miles benefits are more as compared to cards that are free. Moreover, if the card is used for business-related travel, the annual fee can also be tax deductible.