Monday, October 15, 2007

Allergy 101

Allergy 101

Are you having troubles with allergy problems and want some relief? Are you looking for some answers on how to prevent and treat allergy? This article will provide you very helpful information, guide and tips to help and arm you with your battle with allergies. By reading this article you will be able to help other people or yourself from the entire burden caused by allergy.

An allergy is a physical reaction to substances that usually don not bother most people. It is non-transmittable from person to person, allergies occur due to heredity and a weakened body defense.

ANIMAL ALLERGY

Pet allergy is provoked by the allergens found in the saliva of cats and dogs. Cats cause the most allergic reactions because they preen themselves more than other furry pets. This preening coats the fur with saliva which when dried up, releases allergens into the air.

Animal allergies can take two years or more to develop and may not subside until six months or more after ending contact with the animal. Pet allergens in carpets and furniture can remain for 4 to 6 weeks. These allergens can also stay in the household air for months after the animal has been removed. Therefore it is wise for people with animal allergies to check with the landlord or previous owner if furry pets had lived on the premises.

FOOD ALLERGIES

Food allergy is an abnormal response of the immune system to an otherwise harmless food. True food allergies affect only a relatively small percentage of people: two percent of adults and from two to eight percent of children. Food allergens, those parts of food causing allergic reactions, are usually proteins. When the allergen passes from the mouth into the stomach, the body recognizes it as a foreign substance, producing antibodies to halt the invasion. As the body fights off the invasion, symptoms begin to appear throughout the body.

  • Most common symptoms of food allergy

Mouth: Swelling of the lips or tongue, itchy lips

Digestive tract: Stomach cramps, vomiting, diarrhea

Skin: Hives, rashes or eczema

Airways: Wheezing or breathing problems

Although some food allergies last a lifetime, some older children and adults may lose their sensitivity to foods such as nuts and fish, if the responsible food allergen can be identified and completely eliminated from the diet. Smoking during pregnancy has also been found to increase the possibility of allergies in a baby.

DRUG OR MEDICATION ALLERGY

It is important to remember that all drugs have the potential of causing an allergic reaction, even anaphylaxis (a violent reaction from allergy affecting different parts of the body at the same time). The usual drugs that cause an anaphylactic reaction are antibiotics, hormones, diagnostic agents and horse serum vaccines.

SKIN ALLERGY

Hives are itchy raised welts resembling mosquito bites that vary greatly in size. They may occur on any part of the body.

Angiodema are large localized swellings that may occur suddenly, especially about the eyes, mouth and tongue, as well as other parts of the body. Hives and angiodema are mostly caused by food and drug allergy or by a severe reaction to an insect sting.

Contact dermatitis is an itch rash caused by direct skin contact with a substance in the environment to which the patients is sensitive. The most common example of contact dermatitis because of sensitivity to the oil of the poison ivy plant. Large blisters may come from and ooze and when they break.

TREATMENT OF ALLERGIES

Medication

For people who find they cannot adequately avoid allergens, the symptoms often can be controlled with medications such as antihistamines, topical nasal and inhaled steroids, and cromolyn sodium (always check with the doctor first).

Antihistamines counters the effects of the substance histamine, which is released by specials cells in the body (called mast cells) and contributes to allergy symptoms.

Topical nasal and inhaled steroids are anti-inflammatory drugs that stop the allergic reaction. They also reduce the number of mast cells in the nose as well as reduce mucus secretion and nasal swelling.

Administered as nasal or oral spray, cromolyn sodium stops allergic reactions starting.

Allergy shot or immunotherapy

Immunotherapy or a series of allergy shots is the only available treatment that has a chance of reducing allergy symptoms over the long haul.

With this treatment, patients receive injections of increasing concentrations of which they are sensitive. These injections reduce amount of IgE antibodies (allergy-causing antibodies) in the blood and cause the body to make a protective antibody called IgG.

Experts advice people who are susceptible to anaphylaxis to carry injectible epinepherine, a synthetic version of the naturally occurring hormone adrenaline, with them at all times. Epinepherine designed for emergency home use comes in two forms: a traditional needle and syringe kit known as Ana-kit, or an automatic injector system known as Epi-Pen. Doctors can instruct patients with allergies on how to self-administer epinepherine. Such prompt treatment can be crucial to survival.

HELPFUL TIPS TO TREAT ALLERGIES

  • Move to a place where the offending substance does not grow and where it is not present in the air.
  • Remain indoors on hot and windy days when pollen concentration is high
  • Wear a face mask to keep pollen from reaching nasal passages
  • Take vacations where exposure is minimal
  • Clean out molds from bathrooms, houseplants and seldom used rooms
  • Use a dehumidifier to dry out the excess humidity in your home
  • Dust proof your bedroom
  • Use a vacuum with a high efficiency air filter or water filter
  • Dust frequently with a damp cloth or mop.
  • Buy washable toys and furnishings
  • Cat lovers should bathe their pets at least once a week
  • Avoid irritants
  • Know the ingredients of the food you are eating
  • Know what medicines you’re taking

Reference:

Good Housekeeping, June 1999, pp. 69-71

TIPS ON HOW TO CHOOSE THE RIGHT INSURANCE POLICY

TIPS ON HOW TO CHOOSE THE RIGHT INSURANCE POLICY

Need some guide to get insured? Preparing for the future is extremely important. Putting your money in an insurance policy is a sound investment move. This article will help you make that decision on how to choose the perfect insurance policy for you and your loved ones. It includes a basic introduction of each kind of insurance policy and guides on what to consider when choosing one.

Home insurance:

Home insurance protects homeowners against losses caused by man-made or natural disasters.

How do you assess your needs?

  • Could you replace your house if destroyed?
  • What happens if a fire eats up all your home furnishings?

Questions your insurance agent asks:

  1. About the house
    • What type of materials were used to construct the house?
    • What type of house is it?
    • What are the divisions of the house?
    • How many square meters does the house occupy?

  1. About the contents

· What are the items located in the rooms or divisions of the house

  1. About the people

How many people occupy the house and who are they?

Private Car Insurance

Car insurance protects you against the risks associated with owning and driving a car. Private car insurance entails motor vehicle protection if your car is stolen or under repair due to an accident. The two basic categories of auto insurance coverage are liability and physical damage.

How do you assess your needs?

The following factors are considered to assess the how much liability coverage is needed:

· Driving record of covered drivers

· Anticipated use of cars

· Distance travelled each day

· Current market value of the car (year, make and model)

Questions your insurance agent asks

  1. About the car
    • When was the vehicle manufactured?
    • What is the model type, color and seating capacity of the vehicle?
    • What is the engine type, engine number and chassis number of the vehicle?
    • What mileage has the vehicle completed?
    • Any accessories?
    • Was the vehicle imported?
    • Is the car used for domestic, social or business arrangements?

  1. About the driver

· Who drives the car?

· Does the driver have any medical disability?

· Have you been in any accident or have you been in connection to one?

· Have you been convicted of any offense or incurred a penalty in connection with a motor vehicle?

· Have your driving licensed been suspended any time?

Personal Medical and Accident Insurance

Life insurance covers anything from hospitalization due to illness, disability or sever injury as funeral arrangements due to accidental or anticipated death.

How do you assess your needs?

An effective life insurance plan identifies the existence of risks. Once this is done, the financial impact of disability or premature death is defined according specific peso cost. The methods of computing this varies from one insurance company to another.

Questions your insurance agent asks:

  1. How fit are you?
    • Do you have any history of illness or disease in the family?
    • Have you been confined in a hospital for an ailment or an operation?
    • Do you have any deformity or impairment?
    • Do you engage in hazardouse sports?

  1. How well do you take care of yourself

  1. What’s your lifestyle?

· How is your worklife?

· How is your homelife?

· How do you use your leisure time?

  1. How is your emotional health?

· How strong is your self-esteem?

· Are you in a loving relationship?

· What is your attitude towards work?

· How are you coping with the world?

Reference:

Good housekeeping, June 1999, p 78

Banking 101

BANKING 101

How to Choose the Right Bank for You

This article will provide tips and guides that you will need in selecting the best bank for your money. End your confusion and torment! One should consider several factors before choosing a bank.

Willing and Stable

Obsercers say large bank offer more services at lower costs while the smaller ones reel you in with their more personal service. The reverse can also happen. Of course, the bottom line here is stability. It speaks a great deal abou a bank’s track record and staying power.

  • Find out how long this has financial institution been in business.
  • Annual reports and statements of conditions provide you so much information regarding timelessness of its products.
  • Ask how the deposits are insured.

At your service

Before you open an account, make sureyou know the bank’s quality of service.

  • Experts say it’s wise to develop a history with a bank that offers the services you may need in the future.
  • This is not just about products. This is about ease of transaction and the bank personnel’s people-first orientation.
  • Ask around to know how contented other clients are with your target bank. An A-rating from satisfied clients means you will get the same superior service.

Convenience Banking

Covenience is critical especially for supermoms who juggle countless responsibilities at any given time. Rate you prospect’s accessibility

  • How far must you travel to get there and go about your banking needs?
  • Is phone/internet banking available?
  • Are its ATMs strategically placed and do they work most of the time?

Reference:

Good housekeeping, June 1999, p 76

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