Credit card companies offer users the benefit of making purchases while paying for them later. However, while the offers made by credit card companies might sound very appealing, you must be aware that credit cards have their stated benefits only when used with great care and sensibility. Indiscriminate spending beyond one's means is a sure no as are delayed or defaulted payments. There are some situations when investment advisors strongly advise against the use of credit cards. Here are a few reasons why they do so. If you are struggling to meet your monthly expenses, do not use your credit card just because your cash position is low or it was difficult to make ends meet at the end of a month. Spending what you do not have will only run you into deeper debt, not to mention the interest that would have to be paid. If you know that you cannot pay the credit card balance in full or you are only able to make the minimum required monthly payments, it may not be a wise idea to use your credit card. When you do this, the amount payable month on month may increase exponentially, not to mention the interest that will be levied on an ever increasing amount every month. When you limit yourself to using a debit card, you cannot spend money that you do not already have. This would be a far safer option for those who tend to be indiscriminate in their credit card spends. Some card companies offer you meagre credit limits and the fees levied for spending beyond your credit limit can be steep, often being more than what you purchased. Also if you keep spending beyond your credit limit, your overall credit rating might drop, which in turn will negatively impact your credit standing when you seek some other kind of loan or financial assistance. When used responsibly, there are benefits to using credit cards, but before you do that, if you lack the discipline in managing your spends and paying on time, it would be wiser to avoid using credit cards.

Parent student loan, which is also referred to as PLUS loan or parent PLUS loan is a type of student loan that is offered to the parents of students who are enrolled in a graduate or a professional course or in post-secondary institutions. Taking a parent student loan is a major decision, as it can affect your finances for at least a decade. Hence, it is crucial to do your research and understand parent student loans completely. Following will help you understand better about parent student loans. There are certain eligibility requirements to qualify for a parent student loan: Your need for financial aid will be evaluated on the basis of information you provide on Free Application for Federal Student Aid (FAFSA). To get a parent PLUS or a parent student loan, the parent should have a good credit score. You can be denied of a parent PLUS loan if you have an adverse credit history due to bankruptcy or other delinquencies. This goes without saying that you have to be the parent of the dependent college student. This can be your biological or adopted child or stepchild in some cases who is enrolled in a course or college. You should be paying for more than half of their support, living expenses included. According to federal student aid office, you are entitled to get a parent student loan if your child has college costs that cannot be covered by other financial arrangements such as grants or the child's own student loan. Parent student loans will have some federal student loan benefit. For instance, the loan repayment options include: Deferment or forbearance due to financial hardship or unemployment. The parent might be entitled to get public service loan forgiveness for any remaining balance post 10 years of on-time payments. Through the income-contingent repayment plan, the balance amount can be waived off after 25 years. Just like other loan options, parent student loan also has a few disadvantages. For starters, unlike undergraduate student loans, parent student loans do not defer payment of the loan until 6 months after the student graduates and leaves the school. The repayment of a parent student loan kicks in once the loan is disbursed. Parent student loans also come at higher costs. They carry higher interest rates and loan fees. The interest rate recorded for the year 2017-18 was around 7 percent with a loan fee of around 4 percent. Private student loans are more consumer-friendly as they offer terms that are as good as federal student loans. Private parent student loans are offered by private lenders which include banks, credit unions, and financial tech companies.

Big Lots is a retail outlet chain that deals in a wide variety of fabulous merchandise such as furniture, mattresses, rugs, curtains, bath accessories et al. It is an American company that was founded by Sol A. Shenk and has its current headquarters in Columbus, Ohio. With time, Big Lots has introduced an extensive variety of goods in its stores and transformed into a retail giant giving competitors a run for their money. Gorgeous furniture meant to decorate your living room, fireplace, bedroom, kitchen and even patios is available in Big Lots. The company is popular for offering the not so mainstream outdoor furniture. Big Lots patio furniture comes in different sizes and designs to suit different spatial requirements. Most of the products belong to the fully assembled or ready to assemble category. No matter how big or small your house is, a Big Lots patio furniture store will never disappoint you. Similarly, Kmart patio furniture is elegant and tastefully done. Kmart is another large-scale departmental store based out of Hoffman Estates, Illinois. Kmart patio furniture comprises of dining sets, casual seating sets, bistro sets, bar sets, and canopies. Its ‘Blue Light Specials’ deals have been delighting customers all over the U.S.A. by providing instant heavy discounts. Replacement cushions, décor items, furniture covers, patio chairs, benches, recliners, and sofas also, come in the Kmart patio furniture section. The Home Depot retail company is known for its smart, fashionable and classic patio doors. The organization provides products relating to home improvement as well as housewares and has its headquarters in Atlanta, Georgia. The Home Depot patio doors come in both sliding and hinged forms or a combination of both. Crafted with perfection, the Home Depot patio doors provide a majestic view of the lawns. Hampton Bay patio furniture is durable, unique and caters to the modern lifestyle. It is another brand that has been successfully selling furniture and other electrical items for quite some time now. Also, if any product is partially damaged, the Hampton Bay patio furniture parts can be quickly replaced. Home Depot has been consistently marketing Hampton Bay patio furniture over the years.

Narcissistic personality disorder is a mental condition which affects a person's behavioral traits. There is a difference between narcissistic behavior and narcissistic personality disorder, mainly due to the condition being an illness which cannot be controlled without supervision or a planned approach. Behavioral traits can be modified and conditioned, mental illnesses, however, require a medical approach and prescribed course of treatment for recovery. The general mode of treatment for narcissistic personality disorder and associated illnesses like borderline personality disorder requires a combination of medications and psychotherapy mainly. Procedures normally include psychoanalytic psychotherapy, cognitive behavioral therapy and also focused therapy, which is a more of a short term approach. Medications on the other hand mainly belong to a class of drugs which are used to create combinations to counter symptoms like anxiety, depression, impulsive behavior, mood swings among other glaring indicators. The benefits of psychotherapy mainly include understanding the symptoms exhibited, through discussions and what is known as talk therapy. This will help the patient understand the causes which force him or her to exhibit the inherent symptoms of narcissistic personality disorder, which are both detrimental to the patient as well as people around. Talk therapy will enable interaction on a different level where the patients will relate better to others. Medical treatment may include hospitalization for people who are experiencing severe symptoms of narcissistic personality disorder or even associated borderline personality disorder. However, hospitalization may only be for a brief duration and therapy will be specific to some of the symptoms. A psychosocial treatment mainly includes an approach which focuses on a step by step identification and confrontation of the patient's vulnerabilities. This approach will help identify the possible causes of behavioral symptoms and subsequently plan a way to overcome the same. The treatment will also boost the self-confidence of people suffering from such disorders. A psychosocial approach will also help individuals who are suffering from borderline personality disorders, which is a commonly associated illness. Group therapy is another approach which enables the person suffering from such mental disorders develop a healthy attitude and alliance with everyone. The benefits of group therapy include a structural development which will enable the patient to control destructive tendencies and behavioral traits. Since these sessions are less authoritative, less of an emotional experience keeping in mind the patient's needs, the approach is effective on many levels. Group therapy also provides a better setting for medical professionals to confront and clarify symptoms and their associated tendencies.

Ever heard mobile phone advertisers saying that they have best cell phone plans? But, is this true? Off late, in order to lure the users, they resort to sugar coated words, which a buyer wants to hear. Wireless carriers offer some freebies and perks when users go for cell phone plans with unlimited data. Unlimited plans To get the best cell phone plans, one needs to compromise either on data or on the dollars. You cannot get the best of both worlds. Right now T-Mobile has the cheapest cell phone plan for those looking for unlimited data. The data plan offers 480p video streaming and unlimited 3G hotspot data (though the speed may be throttled after reaching 32 GB) for USD 70 per month. Other carriers like Verizon, AT&T, and Sprint charge somewhere from USD 80-USD90. At times, these carriers often use fancy terms to confuse the users. For example, some carriers say that the user will have the best cell phone plan in terms of unlimited data, however, after reaching the speed cap, the network can get congested. This just implies that your mobile data is not really unlimited after all. While signing up for any cheap cell phone plans, do not fall into any of the carrier’s promotional traps. Some wireless carriers do not reveal the taxes and other activation charges that go along with the plan. The buyers realize their folly only when they get their first billing statement. Hotspot data One more area, where wireless carriers score, is hotspot data. Any plan that claims to be the best cell phone plan will have a hotspot data plan. Now, the question arises, is whether you really need a hotspot data. If you can let go of hotspot data, then you can save some dollars on that front. If you are not looking for any cell phone plans with unlimited data, then Verizon tops the list. The user can get 5GB data for USD 55 for an individual plan. Check which network works best for you. Then select your mobile data plan accordingly and start connecting.

Autoimmune diseases strike the body when the immune system goes rogue and starts attacking the healthy cells. This affects the functioning of certain organs and even their structure. The symptoms of autoimmune diseases tend to overlap with that of other common diseases. This makes it difficult for doctors to pinpoint what exactly ails the patient. This often leads doctors to attribute the symptoms to stress-related disorders or organ malfunctions. There are around 80 known types of autoimmune diseases; each has different methods of diagnosis. Despite the differences, most autoimmune diseases are usually diagnosed with a common set of tests:

• Organ function and inflammation tests: This is one of the most elementary tests. However, a test of organ function alone is not sufficient for the correct diagnosis of an autoimmune disease.
• Auto-antibody test: Auto-antibodies are made by the immune system to attack healthy cells and tissues in the body. There are blood tests that check for the presence of auto-antibodies in the bloodstream. These tests can be useful for quick diagnosis of an autoimmune disease.

Not only tests but a little bit of forthcoming and cooperation on the part of the patient can also help doctors in timely diagnosis. Here are a few tips that can be helpful in the successful diagnosis of autoimmune diseases:

• Talking about family history: It has been observed that autoimmune disorders run in the family. Inform the doctor if there is a family history of autoimmune diseases. This will help in evaluating the symptoms and drawing conclusions regarding the patient's autoimmune risks.
• Keep track of symptoms: Symptoms of autoimmune diseases often go into remission and can have periods of flare-ups as well. It is useful to keep track of the symptoms whenever they flare up and record their intensity as well. It will be helpful to note down the diet taken or activity done during periods of a flare-up.
• Requesting for autoimmune tests: Since the symptoms of autoimmune diseases are similar to other diseases, it might not occur to a doctor to recommend a test for an autoimmune disorder. In such cases, a patient can discuss and suggest to the doctor whether it would be helpful to have a set of tests done to verify whether the patient is suffering from an autoimmune disease.
• Taking a second opinion: If the symptoms persist and the doctor is not able to pinpoint the causes, it is best to seek a second opinion. Ask around for doctors who are known specialists in autoimmune disorders.