Page 14 July 29, 2021 EL SEGUNDO HERALD
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Seniors
Protect Your Hearing When
Life Gets Loud
(BPT) - Sound surrounds you every day.
Traffic, TV, sporting events, and music are
just a few of the sounds you know so well.
Entertaining sounds bring pleasure, and
warning sounds (like a car horn) can help
you stay safe. But some sounds can damage
your hearing-sometimes instantly, and often
permanently.
Results from hearing tests suggest that
nearly one in four U.S. adults ages 20 to 69
years may have noise-induced hearing loss
in one or both ears. One way noise-induced
hearing loss happens is when tiny hair-like
structures (called “stereocilia”) that sit on top
of sensory hair cells in your inner ear are
damaged by noises that are too loud and/or
last too long. When the stereocilia are damaged,
they can’t accurately relay information
about sound to your brain.
The louder the sound, the more damage
it can cause to your ear, and the faster the
damage can happen. Hearing loss may not be
noticeable at first, but it can get worse over
time. For example, you may notice words
sounding muffled and harder to comprehend.
The good news is that noise-induced
hearing loss can be prevented. Recognizing
noise hazards can help you protect your
hearing-and help you safeguard your family’s
hearing health.
The best way to protect your hearing and
prevent noise-induced hearing loss is to avoid
loud sounds and noisy activities whenever
possible. You can also turn down the volume
on the TV and on music players and move
away from the noise when you can. When
loud noise is unavoidable, use earplugs or
protective earmuffs to protect your hearing.
The National Institute on Deafness and
Other Communication Disorders (NIDCD),
part of the National Institutes of Health,
offers helpful tips for protecting your hearing.
The video Hearing Protection: How to
Use Formable Earplugs, shows the right
way to insert inexpensive foam earplugs.
The video Hearing Protection: How to Use
Pre-Molded Earplugs, can help you correctly
use pre-molded earplugs, which are great for
concerts and other times you want to protect
your hearing without losing sound quality.
Protective earmuffs are another easy-to-use
type of hearing protector, but they might not
work as well for people who wear glasses or
have hairstyles that create gaps where sound
can enter the ear. Protective earmuffs may
be a good choice for protecting children’s
hearing because they can be easier to use
than earplugs.
Wearing protective earmuffs and earplugs
together can reduce sound even more-a
smart choice for very noisy environments
like woodshops and sport-shooting events.
It’s easy to buy ear protection because
many stores, especially home and garden
centers, now sell both earplugs and protective
earmuffs. Both types of protection are
also easy to find online.
To help identify harmful sounds, use a
free decibel meter app to measure the sound
levels in your environment. The Sound Level
Meter app was developed for iOS devices
by the National Institute for Occupational
Safety and Health at the Centers for Disease
Control and Prevention.
Learn more about how to protect your
hearing from the NIDCD’s Hearing Protectors
fact sheet. Keep your hearing healthy
and enjoy all the sounds of life. •
Finance
Ways to Rebuild Your Savings and
Unlock Opportunities
(BPT) - The pandemic created a lot of
uncertainty for people, especially when it
comes to their finances: unemployment was
up, spending was down and pretty much
everything felt like a roller coaster. One
year after much of the world shut down due
to the coronavirus, it’s time to rebuild your
savings to unlock opportunities for you and
your family.
But how do you prioritize saving when you,
like many Americans, are living paycheck to
paycheck? Or you have other debts? Or you
really want to buy that big-ticket item you’ve
been eyeing? Credit Sesame has some tips
to help you open new doors and reach your
goals through saving.
Cut the Fat and Extra Fees
Start by reviewing your budget. First and
foremost, identify your essential needs - these
include your living expenses like housing
(rent or mortgage payments), food, utilities
and basic transportation. Next, take stock
of all your recurring monthly expenses and
review your credit card statements for things
like subscriptions you’re not currently using
or could live without (do you really need
Netflix, Hulu and Disney?). No matter the
economic environment, you should prioritize
your finances in the same way.
Another area to review where you may
be overspending is your bank account. According
to fintech company Stilt, consumers
paid $11.6 billion in bank fees - including
overdraft and ATM fees - within the first
three months of the pandemic. If your
bank is currently charging you to access
your own money, consider switching to a
no-fee online bank like Sesame Cash where
you have no minimum deposit, no overdraft
fees and free withdrawals at over 55,000
ATMs worldwide.
Once your needs are met and you’ve
identified how much money you have to
allocate to other expenses, you can focus on
building up your savings, paying down debts
and splurging for the occasional “want” like
dining out or a new phone or car.
Establish a Savings Routine
Building your savings is the best way to
prepare for the future and set you and your
family up for success. Having a savings account
can act as an emergency fund that can
keep you financially stable when unexpected
costs or emergencies arise - whether that’s a
sudden job loss or essential car repairs - and
save you from racking up debt. Saving isn’t
easy and it can take time to build up a nest
egg that will open new doors for you, so it’s
important to start right away.
Make sure to pay your bills on time and
cover your essentials first. Missing bill payments
can have a detrimental effect on your
credit score, which can result in you paying
higher interest rates in the future, so making
at least the minimum monthly payment on
your bills is number one. If you have any
money left over, you can start to set even
small amounts aside into a savings account.
You can also set up auto deposits to transfer
a set amount of money every week from
your checking account into your savings
account so you can save without having to
think about it.
Start Small and Celebrate Wins
It’s OK to start small - even saving $2
a day will pay off and net you $728 at
the end of one year. If you can save $50 a
See Finance, page 15