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Understanding the basics of HELOCs

Whether it is fresh homeowners or even those who already have HELOCs, every one of them is asking—so, what is a HELOC anyway? According to a survey conducted by TD Bank, many borrowers do not fully understand the details of their HELOC or comprehend the terms of their lines of credit. This article gives a reasonably detailed insight of HELOC.

What is a HELOC?
Pronounced “he-lock,” HELOC translates to Home Equity Line of Credit, or simply Home Equity Line.

It is a loan that allows a person to borrow up to a certain dollar amount using one’s home as collateral. It can be used to make purchases, and one can pay for those purchases later. A HELOC essentially acts as a credit card with one difference—it is secured because it is backed up by an asset with considerable value—one’s house. A credit limit is set, and the interest rate varies with the prime rate. So, when one makes mortgage payments every month and the house’s market value goes up, a person is essentially building equity. One can borrow a HELOC against that equity. This is where a HELOC differs from a home equity loan—in the latter, the bank provides a lumpsum loan. While in the former, one doesn’t borrow it until he/she needs it.

How does a HELOC work?
If one has a home valued at $500,000 with a balance of $200,000 on the first mortgage that you took, and let’s say the lender allows you to access up to 80% of the home equity. Therefore, your line of credit will be $200,000.

$500,000 x 80% = $400,000

$400,000 – $200,000 = $200,000

However, one must keep in mind that most HELOCs have flexible interest rates—this essentially means that as the base interest rates change, so will your interest rate.

The rate is set for every individual will begin off with the lender setting an index rate, such as LIBOR or prime rate, and then adding a markup depending on the credit profile of the individual.

Once people have been approved for a HELOC, they can begin using their line of credit. The first 5–10 years (different periods by different lenders) of a HELOC are called the draw period. During this time, people can borrow from the HELOC with interest-only minimum monthly payments. After the draw period is up, the repayment period starts, which generally lasts around 20 years. During this time, people have to pay both the principle and the interest, with the entire loan amount being repaid by the end of the repayment period.

When to use a HELOC?
Homeowners usually employ the use of HELOCs for renovations, home repairs, and even upgrades such as renovating the basement or upgrading the back garden. However, people also use HELOCs for myriad other reasons and uses such as making down payments on vacation homes, paying off credit cards, buying cars, paying for college, and the likes. While it’s easy to use the convenient HELOCs for other uses, they won’t add to the equity of one’s home. Moreover, one must remember that the interest on the HELOC could be tax-deductible.

Advantages of HELOCs
Using a HELOC has many advantages.

HELOCs are fitting for funding any urgent intermittent requirements, such as paying for college tuition, making improvements on one’s home, or even paying off credit cards.
HELOCs allow people to withdraw and pay interest on only the amount that they actually need.
Upfront costs of a HELOC are also comparatively low. For instance, on a standard loan of $150,000, unless the borrower pays a high-interest rate for the lender to pay off the amount, the settlement costs may run to the tune of $ 2,000–5,000. However, for a HELOC to the tune of $150,000, costs rarely surpass $1,000. What’s more, in many cases, they are paid by the lender sans rate adjustments.
Certain HELOCs can even be converted to fixed-rate loans at the time of any withdrawal. This is an extremely beneficial option for those borrowers who withdraw a large sum of money in a single go.

The Risks of a HELOC
A HELOC also has many disadvantages. They are listed below:

One of the major drawbacks of a HELOC is its exposure to interest rate risk. While all HELOCs are essentially ARMs (adjustable rate mortgages), they are much riskier than the typical ARM, primarily because market variations have a very speedy effect on a HELOC. For instance, if April 30 ^th is when the prime rate changes, May 1 ^st is when the HELOC rate will be effective.
Some people argue that the prime rate, to which HELOC rates are tied, are more stable than the indexes that the standard ARMs use. However, this is an illusion that arises because prime rates don’t change every day. For instance, in the year 1980, the prime rate ranged between 11.25% and 20%, changing a record-breaking 38 times. Again, in the year 2003, the prime rate changed but once on June 27 ^th to a 4% low. Over the next 3 years, however, the rate changed a whopping 17 times (by 0.25% every time) hitting a high of 8.25% on 29 ^th June 2006.
Most of the ARMs typically have caps on rate adjustment, which limit the rate change size, as well as maximum rates, which are capped at around 5-6% over the initial rates. HELOCs, on the other hand, have no rate adjustment caps, with the maximum rate being 18% (16% in North Carolina).

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All You Need To Know About Bleeding Gums

All you need to know about bleeding gums We often do not pay much thought to bleeding gums and shrug it off because they invariably happen when we brush or floss our teeth. We consider it as normal but it should not be ignored. Gum bleeding is a fairly common problem. It is best to see your dentist, who will diagnose the problem and advice gum disease treatment options. But, a mild form of bleeding can be treated at home with easy remedies for gum diseases. Gum disease is a common cause of bleeding gums. Many adults experience a gum disease once atleast. Here is some information about bleeding gums, its causes, and more. What should you know about bleeding gums? Bleeding gums are an early sign that something is not right in the mouth. Healthy gums generally don’t bleed easily. Bleeding in itself could be because of various reasons. But, it is more indicative as a symptom of a gum disease. If left untreated, it may lead to severe gum disease. What can I do to prevent bleeding gums? Identify the reason for the gum bleeding. Practice good oral hygiene as the accumulation of plaque along the gum line can cause gums to bleed. Try using a softer toothbrush and not brushing very hard. If the bleeding is very mild, it can be self-treated. Gently brush your teeth twice a day and make sure to clean all the surfaces inside the mouth, including the tongue. Reduce the intake of sugary foods or drinks that help bacterial growth. Rinse and gargle your mouth immediately after you finish eating. Flossing every day by gently rubbing the area around and in between each tooth is essential to good oral hygiene. Do not smoke or chew tobacco. For early diagnosis of any gum disease, regular dental check-ups will be helpful. When do I need to consult a dentist? If gum bleeding becomes a regular occurrence every time you brush. When you observe that gum bleeding is persistently occurring and not stopping. How are bleeding gums treated by the dentist? The dentist will conduct a dental examination to understand the cause of bleeding of the gums. As a preliminary measure, and as a gum disease treatment, the dentist will remove plaque bacteria, which cause gum disease if left untreated. The dentist might advise other gum disease treatment options such as scaling and root planing. In some cases of severe gum infection, surgery may be recommended. What are some at home remedies for treating bleeding gums? Replace your old, hardened toothbrush with a new softer one. Brush softly and floss regularly. Add a mouthwash to your oral care routine. Rinse your mouth with salt water at least twice daily. Eat foods rich in vitamin C, such as oranges, sweet potatoes, and red peppers, and vitamin K, such as kale, spinach, and collard greens, can help in promoting immune health. Deficiency of vitamin C can lead to gum bleeding despite practicing good oral hygiene. Hydrogen peroxide is a disinfectant which promotes gum health, helps remove plaque, and stops the bleeding of the gums. You can rinse your mouth with a solution but be careful not to swallow it. Chew on some raw vegetables, such as carrots, radishes, and cucumbers to improve circulation of blood and strengthens the gums. Apply a cold compress to the gum line as it will reduce the swelling and restrict the flow of blood causing the bleeding to stop. As per research, drinking green tea is known to reverse gum disease and stop frequent gum bleeds. Ensure you do not skip on your routine dental check-ups.

Understanding The Stages A Congestive Heart Failure

Congestive heart failure (CHF) is a serious progressive condition affecting the pumping power of the muscles in the heart. It is generally called heart failure, but CHF specifically means the stage when fluid builds up all around the human heart resulting in inefficient pumping. There are a total of four heart chambers. There are two atria in the upper part of the heart and two ventricles in the lower part. The task of pumping blood to the tissues and organs of the body is carried out by the ventricles while the atria receive blood from the body and circulate it back to the rest of the body. CHD occurs when the ventricles are unable to pump a sufficient volume of blood to the body. This might result in the buildup of fluids and blood inside the liver, lungs, lower body, and the abdomen. Immediate CHF treatment is important because leaving this condition untreated can be life-threatening. Below is some information about the symptoms of a CHF, its stages, and more. What are the symptoms of CHF? It is essential to seek medical attention if one experiences any of the symptoms associated with CHF. Some common signs and symptoms of CHF to look out for are: Shortness of breath when being physically active or upon lying down or even resting. A persistent cough, excessive phlegm formation, and rapid shallow breathing. Fast heart rate, arrhythmia, missing heartbeats, and heaviness of the heart. Memory loss, confusion, and brain fog. Swelling in the legs and, especially, in the ankles, around the lungs, the chest area, around the spleen or the liver, and in the abdomen. Muscle pain, fatigue, overall tiredness, feeling restless, loss of appetite, and weight gain. Excessive urination at night. What are the different stages of CHF? CHF is a condition that does not take place in just one day. It takes several months and, in some cases, even years for it to come to the forefront. Generally, the doctors make use of a four-stage categorization for helping patients with the treatments for CHF. Each stage involves a specific mechanism taking place within the body. They are explained below: Stage 1 – Normal physical activities like climbing the stairs or walking do not result in breathing shortness or palpitations. Nevertheless, moderate exercises like jogging and brisk walking make the patient feel tired and breathless. Stage 2 – The patient might feel a little uncomfortable while taking rest. He/she might feel breathless and tired or the heart might start racing as soon as the patient goes for a walk and climb up or climbs down from the stairs. Stage 3 – While taking rest, the patient may feel fine but doing even a simple physical activity might make him/her tired. The patient might feel palpitations or may pant even if he/she gets up from the sofa or walks over to the kitchen. Stage 4 – The patient may feel his/her heart beating fast and hard while taking rest. He/she might feel tired when sitting or feel palpitations and anxiety at all the times. What are the treatment procedures for CHF? The main objective of treatment for CHF is making the heart beat more efficiently so that it is able to meet the energy requirements of the body. Treatment procedures include: Fluid restriction or trying to decrease fluid within the body in order to make it possible for the heart to work harder toward circulating blood through the vessels within the body. Decreasing the intake of salt. Water pills or diuretic medicines might be prescribed. Most common diuretics used for the treatment of CHF include bumetanide, hydrochlorothiazide, and furosemide. Angiotensin-converting enzyme (ACE) inhibitors along with angiotensin II receptor blockers (ARBs) are medications that can be used for increasing the chances of a patient’s survival. These medicines work by decreasing systematic resistance while altering the hormonal milieu affecting cardiac performance. Patients of end-stage CHF might need aggressive treatments like the left ventricular assist devices (LVAD) that help in cardiac circulation.

Deep Vein Thrombosis – Diagnosis And Treatment

Deep Vein Thrombosis – Diagnosis and treatment Deep Vein Thrombosis is a condition where a blood clot occurs in one of the deeper veins in the body; usually in the legs. Deep vein thrombosis leads to symptoms such as swelling, cramps, and leg pain. In a few rare cases, there are no symptoms of deep vein thrombosis. This ailment develops if you have a medical condition that affects the way your blood clots. If you do not move for a long time after an accident or surgery, you may experience deep vein thrombosis. It can have serious consequences as the blood clots can break and cause blockage in your lungs as well. What is deep vein thrombosis? Deep vein thrombosis refers to the formation of a blood clot in the vein located in the deeper parts of the body. The clot is a blood clump that is in a solid state. It is most commonly found in the regions of the lower leg and thigh. A clot can also form in other parts of the body. Deep vein thrombosis is also called post-thrombotic syndrome, thromboembolism, and postphlebitic syndrome. Who can have deep vein thrombosis? Anyone over the age of 50 is at a high risk of deep vein thrombosis. There are certain conditions that affect how the blood flows through the veins and increase the risk of clots. Here are a few conditions that can lead to a clot. A family history of DVT A catheter placed in a vein An injury such as a bone fracture causing any damage to the vein Obesity which increases the pressure on the veins in the legs Smoking Hormone therapy Birth control pills Being seated for long durations of time There are also certain diseases that can increase the risk of DVT. These include conditions such as IBD and cancer. An individual undergoing surgery will have the risk of DVT. Pregnancy causes an increase in the hormone and sugar levels which again increase the risk of DVT. What are the symptoms of deep vein thrombosis? There are a few symptoms that occur in patients that suffer from this condition. However, in some cases, there may not be any clear symptoms and you have to monitor your health carefully. Swelling in the ankle, leg, and foot on one side alone Severe pain in the ankle and foot Painful cramps in the leg that is affected One part in the skin feels warmer when compared to the surrounding areas Discoloration of the skin over the affected area. The condition is often recognized only after an emergency pulmonary embolism treatment is done. It is a life-threatening condition which is a complication caused by DVT. When Should You See A Doctor? Deep Vein Thrombosis is a serious condition that needs immediate medical attention and care. If you think you are experiencing any of the symptoms, you need to seek help and find out if you’re qualified for treatment. You can visit the nearest emergency room and let them guide you. After a thorough check of your symptoms and health history, a deep vein thrombosis diagnosis is done where the doctor suggests the best mode of treatment. What treatments can be explored for deep vein thrombosis? The focus of the treatment is to ensure the clot does not grow. The treatment will also ensure that there is no pulmonary embolism. Medicines There is deep vein thrombosis medication available which makes the blood thin and prevents clotting. These include warfarin, heparin, fondaparinux, and enoxaparin. Even the existing clots can decrease with this deep vein thrombosis treatment. Compression stockings Wearing these stockings can prevent swelling and clots. These stockings reach below the knee and should be worn every day. Filters Filters might have to be added inside a vein called vena cava if blood thinners don’t help. This is a deep vein thrombosis treatment which prevents the clots from entering the lungs. Leaving the filters over a long time can cause DVT. It is a short-term treatment that can be used to reduce the clotting. What are the complications of deep vein thrombosis? The major complication of this condition is a pulmonary embolism. This may occur if the clot moves to the lungs causing serious damage to the body. You need critical help if you have any of the following signs. Sweating Dizziness Rapid breathing Pain in the chest Increase in heart rate Coughing blood

The Causes And Symptoms Of Carcinoid Neuroendocrine Tumors

The causes and symptoms of carcinoid neuroendocrine tumors The neuroendocrine system can be described as a network of glands producing hormones that are carried into the bloodstream. There are different roles that these hormones play in the human body. The carcinoid neuroendocrine tumor is a very rare tumor that shows up in the cells of the neuroendocrine system. Around 80% of these tumors grow in the small bowel and the appendix. However, they can even grow in the lungs, pancreas, ovaries, stomach, testicles, and kidneys. These tumors develop at varied rates, and they are usually slow at developing. They might develop over several months and even years. Nevertheless, there are some tumors that tend to be highly aggressive. They can spread very quickly to other parts of the human body and can even result in serious issues. What are the causes of carcinoid neuroendocrine tumors? Experts are still not aware of the main causes of neuroendocrine tumors. However, there are certain conditions that might make you a victim of these tumors. These are called risk factors, and they are situations and diseases that you cannot control. Some of the most common causes of neuroendocrine tumors are as listed: Some diseases that are caused due to family history or genes passed to an individual through their family can increase their chances of having a carcinoid neuroendocrine tumor. Individuals with multiple endocrine neoplasia disease can be the victims of carcinoid tumors. This is a disease where tumors form in the cells, making hormones or chemicals that have a major effect on the actions of the body, such as sex drive, mood, and hair growth. Your age can have an effect on your chances of suffering from carcinoid tumors. There are certain NETs that have an effect on people of specific ages. The gender of an individual also has an effect on the risk for certain NETs. However, women have an increased chance of suffering from these tumors. The race of a person also has an effect on their chances of suffering from carcinoid tumors. The immune system in the body is its defense against all kinds of germs. Diseases or conditions that affect the immune system, such as organ transplant and HIV/AIDS, can increase the chances of neuroendocrine tumors in individuals. Excessive sun exposure can also result in neuroendocrine tumors. This is because the sun gives off ultraviolet rays that damage the skin DNA. This can result in the growth of cells in an uncontrolled manner, resulting in cancer. Studies have proved that smoking can also increase the chances of neuroendocrine tumors in people. What are the symptoms of carcinoid neuroendocrine tumors? Neuroendocrine tumors are generally diagnosed in people between the ages of 50 and 60. People with these tumors might experience certain symptoms, or they might not have any signs or changes in their body. The symptoms of neuroendocrine tumors include the following: Anxiety attacks High blood pressure Headaches A fever Rapid pulse Clammy skin Sweating Vomiting Nausea Heart palpitations Weight loss Flushing Severe diarrhea Wheezing Increased heart rate Appetite loss Sudden changes in blood pressure Always keep in mind that neuroendocrine tumors are rare and therefore the above-mentioned symptoms might be the result of other medical conditions. Nevertheless, it is important to consult a doctor if these symptoms persist for more than two weeks. What is the prognosis for carcinoid neuroendocrine tumors? If you go through carcinoid neuroendocrine tumor prognosis, you will be able to find that these tumors are either malignant or benign. The benign tumors tend to be small and can easily be removed completely, not to come back again. There are no symptoms produced if you are suffering from benign carcinoid tumors. The cells from these tumors do not spread to other parts of the body. The malignant or cancerous carcinoid tumors are large and can damage organs and tissues close to them. The cells of these tumors can easily break and enter the lymphatic system and the bloodstream to form new tumors. How can carcinoid neuroendocrine tumors be prevented? There is no way of preventing these tumors at present. However, quitting or not starting to smoke might reduce the risk of these tumors. It is important to maintain a healthy and balanced diet and a good lifestyle in order to prevent such tumors.

An Overview Of Cla Safflower Oil

An overview of CLA safflower oil CLA stands for conjugated linoleic acid. It is high in good fats, i.e., monounsaturated fats and polyunsaturated fats. According to the National Institutes of Health, typically, CLA is found in foods like beef and dairy. However, it can also be found in small quantities in vegetable oils. Safflower oil is a oil produced from the seeds of a safflower plant; thus, it is a vegetable oil. Safflower plant is about 30 to 150 cm in height and each branch of the plant has about one to five flower heads with 15-20 seeds per head from which the oil is extracted. The plant is found in Kazakhstan as well as India, the USA, Mexico, and Argentina. Below is some information about CLA safflower oil. What are the advantages of using CLA safflower oil? The CLA safflower oil is a rich source of unsaturated fatty acids, namely, polyunsaturated fats and monounsaturated fats. These fats, commonly known as good fats, are required by the body to function well. The CLA safflower oil helps in improving memory and aids hormone regulation. This oil allows the body to absorb fat-soluble vitamins like vitamin K, E, D, and A. CLA safflower oil reduces inflammation in the body and also improves general health. It is a good way to regulate blood sugar levels in the body. Regular intake of CLA safflower oil improves blood cholesterol levels, thereby, reducing the chances of any kind of heart diseases. It contains vitamin E, which is great for skin issues like dry skin or even inflamed skin. However, you must perform a patch test before applying the oil all over the skin. How do you use CLA safflower oil in diet? The moderate use of safflower oil in your food will improve your metabolic rate, thereby, reducing your weight. The proportion of safflower oil intake would be dependent on weight-loss calorie requirement. For instance, a woman who needs to have 1200 calories daily would need 4 teaspoons of the CLA safflower oil. Men who are on a diet and need to consume 1600 calories would need 5 teaspoons of it. What are the side effects of CLA safflower oil? Most often people do not face any side effects from this oil if it is consumed or applied in recommended proportions. CLA safflower oil thins the blood so it could slow down clotting and could increase the chances of bleeding for those who have bleeding disorders or are undergoing some sort of surgery. People allergic to ragweed or pollen should not consume this oil as it could lead to an allergic reaction. Pregnant women should avoid it. Which are the best safflower oils of the year? As per CLA safflower oil reviews, the following brands have made the list of favorites among consumers this year: Renewalize Organic Safflower Oil – This is a USDA-certified brand and it is high in oleic acid. Renewalize Organic Safflower Oil is extracted using the cold pressed method that allows it to have a high amount of oleic acid, which is great for hair growth. Hollywood Safflower Oil – This is a great oil for cooking. It is the best when it comes to light heat cooking. The Hollywood Safflower Oil is available in a pack of one, three, or twelve, and it works well for pasta and as a drizzle over appetizers. It is good for cake mixes as well. Eden Unrefined – This brand of CLA safflower oil is organic and kosher, and it only has safflower oil. It works well for acne-prone skin and for cooking too. Dr. Adorable One Gallon – If you want to use CLA safflower oil especially for body massages, then this brand works beautifully as it blends well. You can take a generous quantity and apply it all over the body. It has no noticeable smell. However, this oil should be only used for external purposes. Spectrum Naturals High Heat – This brand produces the perfect CLA safflower oil for cooking. It has a smooth flavor that is ideal for cooking. The Spectrum Naturals High Heat does not have any artificial coloring, genetically modified organisms (GMOs), and other common allergens. It is much lighter than other oils, such as olive oil.

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Top 10 Health Benefits Of Safflower Oil

Top 10 health benefits of safflower oil Safflower oil is an oil that is extracted from the seeds of the safflower. CLA stands for conjugated linoleic acid. CLA is a type of polyunsaturated fatty acid. The CLA safflower oil has a number of health benefits; hence, it is being used as medicine by many people. CLA safflower oil can be used for treating a number of health issues and it is also used as a cooking oil. Continue reading if you wish to know more about the amazing health benefits of safflower oil, its side effects, and more. What are the health benefits of safflower oil? It is believed that safflower oil helps in boosting the immune system. This oil has properties that can protect the body from any kind of infections and it is considered to boost immune health. The CLA safflower oil is good for your heart’s health. When you are having heart-related health issues, your doctor will usually suggest you maintain a balanced diet, and it is important to keep it natural. Safflower oil is a natural oil that has omega-6 fatty acids, which are good for a healthy heart. The cholesterol levels of the body are also maintained using this oil. CLA safflower oil helps in losing weight. Shedding those extra pounds is not a simple task and you need to do a lot more along with exercise. Safflower oil is very good for healthy and shiny hair. If you are having dull, damaged, and dry hair, then this oil can be very helpful. Just massage a few drops of this oil into your scalp and it would increase the blood circulation in your scalp resulting in strong hair. When you have strong hair, why not have flawless skin? Yes, there are a number of products available in the market for flawless skin, but how many of them guarantee long-lasting results? Safflower oil can do that for you. You can check the CLA safflower oil reviews for skin and you will find the best reviews about this oil. It is good for joint pains as well. Massaging is one of the best ways to get rid of joint pains and massaging with safflower oil is a good option for better results. Diabetes is a health condition that needs to be treated with the right medicine. According to many studies, the omega-6 fatty acids are considered as the best option for controlling sugar levels in the body. It is also good for treating a migraine headache. Any health problems related to respiration can be treated using this oil. Menstrual pain and cramps in women can be treated with the help of this oil. Are there any side effects of safflower oil? There are no side effects of using safflower oil when used in moderation. This oil is strong and can cause irritation, so do not use it directly. You need to dilute with any carrier oil before you actually use it. What is the dosage of safflower oil that is good for your health? The dosage of CLA safflower oil usually depends on what kind of health issue you are treating. If you are using it to help reduce weight, then you can use it as cooking oil for at least six weeks. For this, you should consume at least one and a half teaspoons of this oil on a daily basis. How should safflower oil be stored for better results? Safflower has to be stored always in a dark place in an airtight container. Safflower oil can be kept in the refrigerator. In order to reduce the chances of oxidation, you should make sure that minimal air and light reaches the containers in which the oil is stored. You need to use the oil in just one or two months after you open the packing or oil tin.

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An Overview Of Colon Polyps

An overview of colon polyps Colon polyps are small clumps of cells formed on the lining of the colon. The majority of these polyps tend to be harmless, but with time, there are certain polyps that can easily grow into colon cancer. This is a serious condition, especially when found in the later stages. Almost any individual can develop colon polyps. People who are over 50 years of age are at an increased risk of suffering from this condition. Even smokers and overweight individuals or people with a family or personal history of colon polyps might be at an increased risk of suffering from this condition. Colon polyps – causes are slightly known, but this condition rarely causes any symptoms. Therefore, for individuals who are at risk of developing the condition, it is important to have screening tests on a regular basis. These will include a colonoscopy. Polyps found in the early stages can conveniently be removed. They can be removed completely in a very safe manner. Regular screening is the best step for the prevention of colon polyps. What are the colon polyps – causes? Doctors do not exactly know the causes of colon polyps, but they are of the view that polyps are a result of abnormal tissue growth. The human body develops healthy cells in a periodic manner, thus replacing the old cells that tend to be damaged or are no longer required. The division and growth of these new cells is regulated. However, there are cases when the new cells develop and then divide before they are actually needed. It is this excessive growth that results in polyps. Packaged red meat is also one of the most common colon polyps – causes. Fiber deficiency in the body. High-fat diet taken in excessive amounts. Smoking cigarettes. Obesity is also one of the major colon polyps – causes. Inherited conditions such as Gardener syndrome, familial adenomatous polyposis, and Peutz-Jeghers syndrome might also put an individual at an increased risk of having colon polyps. What signs and symptoms do colon polyps show? Majority of the individuals suffering from colon polyps do not show any symptoms. They are actually unaware of the fact that they have polyps, because they feel very well. Bleeding from the rectum is one of the most common symptoms of colon polyps. Blood in the stool can also be a sign of colon polyps. Blood might make stool look black, or there can be red streaks in stool. A feeling of tiredness due to anemia and not having sufficient iron in the body are common symptoms. It is the bleeding from the polyps that can result in an iron deficiency and anemia. Several other health issues might also result in these signs. Nevertheless, if rectum bleeding or blood in the stool are everyday phenomena, a consultation with a doctor is vital. How can colon polyps be prevented? Knowing the colon polyps – causes can help prevent the condition. However, there are other important steps that can be followed in trying to prevent this condition. They are as listed: Regular screenings. Lifestyle changes can also be of help in doing away with the colon polyps – causes, and, consequently, prevent them. Adopting healthy habits such as eating fruits, whole grains, and vegetables and reducing fat intake can help in the prevention of colon polyps. Limiting the intake of alcohol and quitting tobacco. Staying active physically and maintaining a healthy body weight is also important. When should one see a doctor? A general physician must be consulted in case of the following: Blood in the stool Abdominal pain Changes in bowel habits for more than a week It is important for one to have a word with their physician regarding their intake of vitamin D and calcium. This is because studies have proved that increasing the intake of food items rich in vitamin D and calcium can help prevent the recurrence of polyps. However, this is not completely clear. It is important to consider all the options, especially if one is at a very high risk of suffering from colon polyps.

The Types Of Colon Polyps And Their Prevention

The types of colon polyps and their prevention Growths that occur on the inner lining of the colon (large intestine) and usually protrude into the colon are known as colon polyps. They form when the genetic material within the cells that line the colon changes and becomes abnormal. Under normal circumstances, the immature cells that line the colon multiply, mature, and then die in a timely fashion. On the other hand, the genetic changes in the lining cells prevent the cells from maturing, and they don’t die. Resultantly, immature and genetically abnormal cells start accumulating in the colon, eventually resulting in the formation of polyps. This article intends to raise awareness about colon polyps, its types, symptoms, diagnosis, the colon polyps – causes, and more. What are the types of colon polyps? Inflammatory colon polyps : Also known as false polyps, it is mostly found in people who have inflammatory bowel diseases (IBD), such as Crohn’s disease or ulcerative colitis. These polyps are inflammatory manifestations of IBD, are benign, and are unlikely to become cancerous. Adenomatous colon polyps : Also known as adenomas, this type of colon polyps make up about 70% of all polyps found in the colon. They can become cancerous, but the process takes years. Hyperplastic colon polyps : The term hyperplasia means fast growth, which indicates an abnormal increase in the number of cells resulting in the gross enlargement of the colon polyp. Despite the rapid growth, hyperplastic polyps have a low risk of turning cancerous. Villous adenoma : This type of colon polyp has a greater potential of becoming cancerous. It is estimated that approximately 30 percent of villous adenomas develop into a malignancy. These polyps require surgery for the removal of their cauliflower-like protrusions. What are the causes of colon polyps? Experts are not sure about the colon polyps – causes. However, the causes are believed to be a mix of environmental and genetic factors that result in an abnormal tissue growth. What are the known risk factors of colon polyps? Age : The risk of developing colon polyps tends to increase with age. Family history : A close relative with colon cancer or polyps raises the risk. Sex : Men have a slightly higher chance of developing polyps. Race : Black men and women have a higher risk. Alcohol : Alcohol consumption is closely linked to colon cancer risk and is known as one of the colon polyps – causes. Red meat : If not had in moderation, red meat can serve as one of the colon polyps – causes. Having too much red meat increases the risk of colorectal cancer as well. Lack of dietary fiber : A good intake of fiber has many benefits, including colon benefits. It decreases the risk of colon cancer. Smoking : Smoking increases the risk of all types of cancers, and colon polyps or cancer is no exception. Obesity : Obese people are at higher risk of developing colon polyps and cancer. How are colonic polyps diagnosed? The following tests help diagnose colon polyps: Colonoscopy Sigmoidoscopy Barium enema CT colonography Stool test What are the symptoms of colon polyps? Change in stool color Rectal bleeding Iron deficiency Anemia Change in bowel habits Abdominal pain Blood in the stool Fatigue How common are colon polyps? They are very common. They increase in prevalence as people age. If one has colon polyps, they are more likely to develop polyps elsewhere in the colon later. Only a small proportion of polyps cause symptoms or signs, which usually are the result of bleeding from the polyp. How can colon polyps be prevented? Adopt healthy habits : Adopt healthy habits and increase the intake of fruits, vegetables, and whole grains. Limit fat intake, alcohol consumption, and quit tobacco. Stay physically active and maintain a healthy weight. Avoid all the estimated colon polyps – causes. Seek advice if at high risk : If there’s a family history of colon polyps or its other risk factors affect one, seeking prompt medical advice and counseling is important. With regular colonoscopies, one can prevent the colon polyps – causes from developing, and hence preventing the colon from developing.

Carcinoid Neuroendocrine Tumors – Prognosis And Life Expectancy

Carcinoid neuroendocrine tumors – Prognosis and life expectancy The neuroendocrine system is a complex regulatory mechanism comprised of cells spread throughout several organ systems, including our lungs and digestive system. As they have characteristics of both nerves and endocrine cells, they are called neuroendocrine cells. The nerve cells transmit signals using electrical impulses, whereas endocrine cells make thyroid and insulin-secreting glands. This article intends to discuss the carcinoid neuroendocrine tumor that starts in these cells in detail. What is a carcinoid neuroendocrine tumor? A carcinoid neuroendocrine tumor starts in the cells of the hormone-producing organs in our body. A carcinoid tumor is a type of neuroendocrine tumor that most commonly arises in the gastrointestinal system, which includes intestines, stomach, and esophagus. Carcinoid tumors account for about 1% to 2% of lung cancers. As carcinoid tumors originate from tissue that produces hormones, the main side effect of the condition is the inappropriate release of various hormones in the bloodstream. Carcinoid neuroendocrine tumor can arise in a number of locations categorized into three areas: the foregut, midgut, and hindgut. Lungs and stomach form the foregut area. The midgut comprises of the small intestine, colon, and appendix. The hindgut includes the end of the large bowel, the rectum, and genitourinary tract organs (ovaries and testes). What factors raise a person’s risk of developing a carcinoid tumor? A family history of multiple endocrine neoplasia type 1 : This hereditary condition increases an individual’s risk of developing tumors in the pituitary gland, pancreas, and parathyroid gland. Age : Age seems to be a major factor that plays an integral role, as children rarely develop carcinoid tumors; the average diagnosis age is 55 to 65 years for this condition. Race and gender : Carcinoid tumors are more common among black people than white people, and black men have a higher risk than black women. White men and women have the same risk levels, and after treatment, women tend to live longer. Other medical conditions : Some medical conditions that damage the stomach and reduce acid production increase the risk of developing a carcinoid neuroendocrine tumor. What are the symptoms of a carcinoid tumor? Signs and symptoms of a carcinoid neuroendocrine tumor depend on where the tumor develops: Carcinoid tumors in the lungs : The symptoms of a tumor in the lungs are chest pain, wheezing, diarrhea, shortness of breath, skin flushing (redness and a feeling of warmth on the face and neck), weight gain, particularly around the midsection and back, and pink or purple marks on the skin, which look like stretch marks. Carcinoid tumors in the digestive tract : The symptoms, in this case, are abdominal pain, diarrhea, nausea and vomiting, intestinal blockage, causing an inability to pass stool, rectal bleeding and pain, and skin flushing. What are some effective management tips for the symptoms of carcinoid neuroendocrine tumors? Facial flushing : Avoid stress and ask your doctor about specific foods that cause facial flushing so that you can avoid them. Diarrhea : Ask your doctor for anti-diarrheal medication. Wheezing : Ask for medication that relaxes muscles in the lungs to make breathing easier. Heart problems : Discuss your heart issues with your doctor so that they can prescribe diuretics, which lower the blood pressure. Carcinoid syndrome : Use octreotide on prescription, which is the most effective medication to treat carcinoid syndrome. What is the prognosis for carcinoid neuroendocrine tumor? Carcinoid neuroendocrine tumors can be benign (non-cancerous) or malignant (cancerous). Benign carcinoid tumors are small and can be removed completely. They don’t come back and don’t spread to other parts of the body. They don’t produce any symptoms as well. Malignant carcinoid tumors are large, and their cells can invade and damage the surrounding tissues and organs. Additionally, malignant cells can enter the bloodstream or lymphatic system and can even form new tumors in other parts of the body. Lymph nodes, lungs, bone liver, and skin are the common sites for carcinoid metastases. Carcinoid tumors grow slowly in comparison to other cancers, such as lung, colon, pancreas, or liver cancer. Patients with larger malignant carcinoid tumors (with or without metastasis) can survive and have a good quality of life after proper treatment. Adenocarcinoids, a rare form of carcinoid tumors, are more aggressive than the typical malignant carcinoid tumors.

What Are The First Signs Of Liver Damage

Liver damage – What are the first signs? On the right side of the abdomen, below your rib cage, is an organ called the liver. It is the size of a football and is one of the most important organs in the human body. The liver aids in the digestion of the food we eat and also helps in flushing out the toxins from our body. When there is any kind of disturbance in the normal liver functioning, then it can cause a significant damage to the human body. Once you start exhibiting the signs of liver damage, it is important to get the exact diagnosis and take the next steps accordingly. What are the causes of liver damage? There can be a number of causes for liver damage: Liver infection is one of the most common causes of liver damage. Viruses and parasites can cause infections that affect the normal functioning of the liver. Hepatitis is the most common liver infection, which includes Hepatitis A, Hepatitis B, and Hepatitis C. Some diseases will affect your immune system thereby damaging your liver too. This is called autoimmune hepatitis. Primary Sclerosing Cholangitis and Primary Biliary Cirrhosis are of the same kind. If you have inherited an abnormal gene from any of your parents or family members, it can lead to a build up of various substances in the body and hence can damage the liver. Build up of liver cancer can be a cause. A person who is an alcohol addict is more prone to liver damage. What are the first signs of liver damage? There can be several signs of a liver damage. Here are 10 signs of liver damage that you need to pay attention to: Your eyes and skin turning yellow, which is usually a sign of jaundice. Abdominal swelling and pain are also symptoms of liver damage that you should watch out. Your ankles and legs begin to swell.. Your urine becomes dark yellow in color. There can be many reasons for dark yellow urine, but it can also be a sign of liver damage. Excessively itchy skin is also a symptom of liver damage. Loss of appetite. Getting bruises easily as your liver fails to create proteins needed for blood clotting. Vomiting and nausea for no reason. Blood in the stool or pale stool. Chronic fatigue. How is liver damage diagnosed? In order to get started with the liver damage treatment, it is very important to diagnose the symptoms of liver damage correctly. In order to start the diagnoses, your doctor will start with a physical examination, followed by requesting details of your health history. Liver function tests, which are blood tests will be done at the initial stage. MRI Scan and CT scan kind of image tests are done. Tissue analysis is also done to get an accurate idea of the problem . How is liver damage treated? The treatment for the liver damage depends on the type and severity of damage. Some stages can be treated with just slight modifications to the diet and lifestyle like weight reduction, no smoking or alcohol. Further stages will require medication and severe condition will need a surgery. If your liver has failed completely, then you will have to go for a liver transplant, which is an expensive and time consuming process. How can liver damage be prevented? Certain changes in your lifestyle can prevent liver damage. You need to stop drinking alcohol or only drink a moderate amount to decrease pressure on your liver. Get vaccinated to prevent getting hepatitis infections. When you are spraying insecticides or other aerosol sprays, make sure that you cover your nose and also make sure to protect your skin. You need to maintain a healthy weight as there are chances of fatty liver damage as well. You should take only medicine that is prescribed to you and make sure that you do not take any medicine in excess or without talking to your doctor.