If You Have Student Loans You Should Have Life Insurance

If you are a young student who needs help paying for your education you may seek student loans. Because you are young and have no credit history you may need someone to cosign for your debt. The lender Sallie Mae writes to consider a cosigner.

A student loan cosigner is a creditworthy adult who signs for a loan along with you. It’s a legally binding agreement stating that they’re willing to share the responsibility of repaying the loan on time and in full.

Since private student loans are credit-based and many students don’t have a credit history yet, it may be difficult to get approved for a loan. When a creditworthy adult cosigns a student loan with you, their good credit can make it easier for the loan to be approved.

Student loan cosigners aren’t just for undergraduate student loans. If you’re applying for a graduate student loan and you don’t have a credit history, you might also benefit from having a cosigner.

Cosigners are often parents and they are responsible for paying all of your student debt if you do not. What if you die unexpectedly? You were expecting to pay off your loans over the years and now mom or dad will be faced with paying off your debt as they head into retirement. Basically if you have student loans you should have life insurance.

Student Loan Hero suggests a term life insurance policy.

It’s a situation that no parent wants to think about – the prospect of outliving your child. Having to bury the child you raised is an unspeakable tragedy. But if you were a student loan cosigner for your child’s private loans, you may be in for more trouble than just heartache.

As a co-signer, in most cases, you are legally and financially responsible for repaying the debt should the borrower pass. You may be able to work something out with the lender, but private student loan lenders are much less flexible than their federal loan counterparts and you could be on the hook for the remaining balance.

Dealing with such a tragedy already comes with a high emotional cost, but suddenly you could be dealing with a high financial cost as well. So what can co-signers do to protect themselves financially? Get life insurance.

Term life insurance pays in the event of death of the insured and will do so for the term of the policy. This sort of life insurance does not have any value if you want to cash it out. It is typically designed to pay funeral expenses, student or other debts and even leave a nest egg for a young spouse who is left raising your children without your help. The term of the life insurance can be set so that by the time you quit paying for the policy you have paid off your student debts and have enough money in the bank to pay expenses should you die and leave some money for your spouse and children.

Beating Back Robo Calls

There is hope for those who are tired of getting robo calls, unwanted and unsolicited telemarketing messages. Consumer Reports offers information and tips for fighting robo calls.

If you receive robocalls, there are steps you can take to help block them.

A federal judge in June ordered Dish Network to pay a $280 million fine for making millions of illegal robocalls to numbers on the National Do Not Call Registry. According to a recent Consumer Reports survey, at least 62 percent of AT&T, CenturyLink and Verizon customers reported receiving six or more robocalls per week.

And the problem has gotten worse. Now, consumers are being bombarded by these calls straight to their cell phones.

For calls that aren’t bypassing the ring, phone carriers are now offering different tools to help.

If you have AT&T you can use a free app for iPhone 6 and higher and for androids. It automatically blocks scam calls.

T-Mobile also offers free scam call blocking.

There are apps with both Sprint and Verizon that show the caller’s name on your screen even for calls not on your contact list. And there is a robo call blocker called Nomorobo that might be just the thing. Xfinity discusses how to stop unsolicited calls to your home with this service.

XFINITY Voice service works with Nomorobo to block unsolicited robocalls to your home. Nomorobo is a cloud-based service that hangs up on or blocks illegal robocaller or telemarketer calls from calling the intended home phone number.

Learn how to set up Nomorobo with your XFINITY Voice service. You’ll need to be at home in order to complete the activation with your home phone line.

This is used with Xfinity. Take a look to see if it might help you. It costs about $20 a year.

Do Not Call Registry

There is a national do not call registry set up by the Federal Trade Commission. You can register you phone and report unwanted calls from telemarketers. However, you may still receive calls from charities, political groups, surveys or debt collectors.

Report the Bums

If you are on the do not call registry and you still get phone calls report it. This is how Dish Network ended up paying a $280 million fine. If you get unwanted telemarketer calls 31 days or more after registering report the fact and let the FTC know what the call was about. Regarding debt collectors they must abide by certain rules too.

The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.

If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter – even if you don’t think you owe the debt, can’t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don’t want the collector to contact you again, tell the collector – in writing – to stop contacting you.

If these folks don’t follow the rules you can report them as well.

What Do You Do about the Dirtiest Place in the House?

We just wrote about how to reduce your stress level in regard to house cleaning and now here we are talking about the dirtiest place in the house? Where is this place? What is it and what do you do about it? The answer is pretty simple. The dirtiest thing in most people’s homes is the kitchen sink sponge.  According to KHOU TV a bunch of German researchers checked out kitchen sponges for bacterial growth and the results were scary.

If you can’t remember the last time you changed your kitchen sponge, new research suggests it’s time to toss it.

In a finding sure to make you shudder, researchers say kitchen sponges host more germs than anywhere in the entire house, including toilets.

Kitchens provide ideal environments for microorganisms to grow, both because of food handling and preparation, as well as people shuffling in and out.

Sponges themselves are “microbial hot spots,” teeming with bacteria, as they’re often warm and wet and pick up leftover food residue.

For the study, published in the journal Scientific Reports, German researchers analyzed 28 samples from 14 different used sponges and found a total of 362 different types of bacteria.

The number of different types of bacteria found was more than researchers had previously thought. Although most bacteria were of the common variety that don’t bother people some had pathogenic potential. That is to say you could get sick if these bacteria ended up on your food.

What Do You Do about the Dirtiest Place in the House?

The quick answer is to routinely discard your used kitchen sponge and replace it with a new one. You can boil your kitchen sponges, microwave them, soak them in bleach or put them out in the hot sun to dry but most of these actions will destroy the sponge anyway. So, don’t buy expensive kitchen sponges. Buy cheap ones and throw the old sponge on a routine basis.

How often should that be? It depends on kitchen hygiene.

Poor kitchen hygiene such as preparing uncooked food like salad and raw meat and not cleaning surfaces and containers afterwards can lead to infections. Be sure to wash your hands before touching food and immediately after handling raw meat or poultry to avoid cross-contamination. And be sure to disinfect all utensils, cutting boards, and surfaces immediately after you prepare food.

If you practice good kitchen hygiene your sponge will not get dirty as fast as otherwise and it will be less likely to contain dangerous bacteria from sources such as unwashed and uncooked meat and poultry.

Racing against the Clock

You can do everything right in your kitchen and still lose out to environmental bacteria. As an example of what you are up against, the bacteria e coli reproduces (doubles) every twenty minutes in warm environments with lots of nutrients, like a kitchen with the stove keeping things warm and food being prepared.

The exponential growth that bacteria are capable of means than a single e coli bacteria could start to reproduce at 8 am after breakfast and double three times an hour for twelve hours before dishes are washed and put away after supper. If the germs do not run out of food or space that means that one germ could, in theory, turn into 2 to the 36th power germs by the evening. That number is 68,719,476,736. In reality 68 billion germs would not fit inside your kitchen sponge and they would run out of nutrients before the number got that high but you can see what you are up against. So, what you do about the dirtiest place in the house is to practice good kitchen hygiene, rinse out the sponge routinely with soapy water and even a little bleach. And then change sponges every week or so.

How to Reduce Your Stress Level in Regard to Cleaning

Very few people really enjoy cleaning the house and for some of us it is a chore that we put off as long as possible. Part of the problem is that there are many aspects of house cleaning that remain after the use of a broom, mop, vacuum cleaner and dust rag. But if you employ a few cleaning hacks published in House Logic you can take the stress out of cleaning. We have paraphrased this tips and added a few of our own comments.

Making your home smell better: Use fragrant house plants like sweet bay, Cuban oregano, citrus or orchids instead of resorting to commercial air fresheners

Get organized: Buy a cart that you can wheel around the house and put your cleaning supplies on it. This will greatly improve your efficiency and reduce the time you spend cleaning

Deal with mattress odors: Baking soda is not good for odors in your frig. Use a fine mesh strainer to sprinkle baking soda all over your mattress. Do this before you start cleaning and when you finish in an hour or so simply vacuum up the baking soda along with mattress odors

Getting the grease off of stove burners: Put each burner in its own Ziploc plastic bag and add half a cup of ammonia. Seal the bag and let it sit for a few hours. Remove from the bag and rinse to remove excessive ammonia and do this in a well ventilated area

Dealing with all the dust, leaves and loose bits of paper in the garage: Since you probably store a lot of things in the garage you are also storing last year’s leaves, dust and loose bits of paper that blew in and landed in the crack and crevasses. You don’t really need to move everything to clean. Put on a dust mask and goggles and fire up the leaf blower. You will remove cobwebs, dead bugs, leaves, etc. without a lot of effort

Hard-to-remove stains in the tub: You can get out a scrub brush and scouring pad to clean these stains or you can attach a scrubber to your cordless drill and do the job in a few minutes

Getting shower doors to sparkle again: Hard water dries on shower doors and leaves a mineral film. You need to clean this off but a good way to avoid having to do it again so soon is to use a solution like Rain-X which is used for cars and is a hydrophobic silicone polymer that forces water to bead and roll off the surface.

Cleaning air vents: It can be a real pain to scrub, use a q-tip and clean every surface of an air vent. How about putting them in the dish washer? This is another job to do at the start of your cleaning routine and finish up when you are done with everything else

Another aspect of cleaning is that not all cleaning jobs need to be done every week or every month. It is not being overly obsessive and compulsive to keep a list or notebook on your cleaning supply cart to keep track of when you did routine dusting and when you did spring for fall house cleaning.

What Do You Think about Self-Driving Cars?

Self-driving cars are in the news and high tech companies are working to make them common on the highways. What do you think of self-driving cars? Except for millennials most age groups have become more skeptical about autonomous cars in the last year according to Consumer Affairs.

Memo to the automotive and technology industries: you might be in a rush to get self-driving cars on the road but consumers aren’t in a hurry to ride in one.

A survey by J.D. Power finds, with the exception of Millennials, all other generations are becoming more skeptical of self-driving cars, not less.
“In most cases, as technology concepts get closer to becoming reality, consumer curiosity and acceptance increase,” said Kristin Kolodge, executive director of driver interaction and HMI research at J.D. Power. “With autonomous vehicles, we see a pattern where trust drives interest in the technology and right now, the level of trust is declining.”

All age groups are interested in features such as emergency braking or cameras that show blind spot but most folks are not ready to take their hands off the steering wheel. And that belief as become stronger in the last year.

Is It a Car or Your Private and Expensive Bus?

The automobile has been a symbol of independence ever since it was invented. Teenage boys work odd jobs to buy a clunker to fix up and drive reveling in their ascent into manhood. It appears to us that one of the issues with self-driving cars is that they put us back into a bus but not one where we pay a small fare but rather one that costs tens of thousands of dollars and does not let us assert our independence by driving it!

Are They Really Safe?

The features that people like, such as cameras to show blind spots or brakes designed to function perfectly in an emergency are popular. But it only takes one news item of a person having a wreck in a self-driving car to make folks skeptical. This writer remembers carrying the family automatic camera on a trip to Glacier National Park, walking up on an American Eagle and having the camera try to find its focus because it was a cloudy day and the automatic feature keep whirring as the shot of a lifetime flew away. In that case I only missed a great photo. But in the case of an automatic car misreading the distance to another vehicle on a cloudy day I could lose my life. That is perhaps the basic reason that folks distrust self-driving cars.

Who Will Make the Rules?

Self-driving vehicles could become a states right issue. Licensure for driving is issued by states. Now draft legislation in the House of Representatives would overrule states in regard to self-driving vehicles according to Road Show.

A US House of Representatives subcommittee is set to vote on Wednesday. The draft legislation it’ll vote on is aimed at hastening the development of self-driving cars, Reuters reports.

The legislation would allow automakers to introduce up to 100,000 self-driving vehicles without requiring those vehicles to adhere to federal vehicle safety standards, including a rule that bars the sale of vehicles without controls for human drivers. It would also prevent states from establishing regulations that would prevent these deployments.

This proposal is a long way from becoming law but considering the most folks are skeptical about self-driving cars it would seem a good idea to get lots of input before turning this idea into the law of the land.

Eat Right and Live Longer

A study publish in The New England Journal of Medicine tells us that that you can eat right and live longer. The study looks at diet quality and mortality.

They studied total and cause-specific mortality among 47,994 women in the Nurses’ Health Study and 25,745 men in the Health Professionals Follow-up Study from 1998 through 2010.

A 20-percentile increase in diet scores (indicating an improved quality of diet) was significantly associated with a reduction in total mortality of 8 to 17% with the use of the three diet indexes and a 7 to 15% reduction in the risk of death from cardiovascular disease with the use of the Alternate Healthy Eating Index and Alternate Mediterranean Diet. Among participants who maintained a high-quality diet over a 12-year period, the risk of death from any cause was significantly lower – by 14% (95% CI, 8 to 19) when assessed with the Alternate Healthy Eating Index score, 11% (95% CI, 5 to 18) when assessed with the Alternate Mediterranean Diet score, and 9% (95% CI, 2 to 15) when assessed with the DASH score – than the risk among participants with consistently low diet scores over time.

The bottom line is that over a twelve year period eating a healthier diet was associated with a reduced risk of death!

Mediterranean Diet

The people in this study who lived longer ate a so-called Mediterranean diet. What is this diet and how can you follow it to better health and a longer life? Patient.info discusses the Mediterranean diet.

The term ‘Mediterranean Diet’ describes a specific mix of dietary food ingredients, shown to promote health and long life in people from many countries, including the UK and USA.

The word Mediterranean refers to the origins of the diet, rather than to specific foods such as Greek or Italian foods.

Using a wide range of fruits and vegetables gives the body maximum access to sources of vitamins, minerals and other trace nutrients. There are individual foods within the Mediterranean Diet which are particularly beneficial to health, such as olive oil, garlic and some fruits and vegetables but overall it is the combination of foods within a healthy lifestyle which is linked to improved health.

An important part of this diet is the replacement of excessive salt with various herbs and garlic. Here are the basics.

Eat more vegetables, peas and beans (legumes), fruits and whole grain cereals.
Replace red meats with fish and poultry.
Cook with mono-unsaturated olive oil or rapeseed oil instead of butter or lard.
Avoid highly processed fast foods because of their high salt and saturated fat content.
Eat dairy products in moderation and best stick with low fat versions.
Don’t add salt to your food at the table.
For snacks avoid sweets and snack on fruit, dried fruit and unsalted nuts.
For alcoholic consumption drink red wine with meals limiting your intake to two small glasses a day.
Water is good and avoid lots of sugary soft drinks.
Coffee and tea are high in antioxidants are can be part of a healthy diet.

For years dietary experts have noted that health benefits of this sort of diet common to Italy and Greece but the study in the Journal shows that the benefits can be seen in a non-Mediterranean population with decreased mortality year by year.

Do Protein Supplements Really Work?

According to a segment on KOMO News protein can help muscle recover after exercise.

Strenuous exercise needs to be followed by a planned recovery period. Your body needs some down time to rebuild and repair those damaged muscles.

As we get older, that recovery time tends to take longer. That’s simply reality, not an excuse to put off exercising.

One way to deal with that slower recovery is to make sure you eat some protein shortly after your workout.

“It doesn’t take a lot,” said Dr. John Swartzberg, head of the editorial board at the UC Berkeley Wellness Letter. “For older people, that’s probably about 10 grams, unless the exercise is really, really vigorous.”

These folks suggest nuts, yogurt, chicken, meat or fish or a hard-boiled egg as protein sources. But what about the protein supplements that body builders take. Do protein supplements really work? For that matter how much protein is enough and how much is too much? We went to one of our favorite sources of information on health issues, the Mayo Clinic New Network who ask, are you are getting to much protein.

Judging by all the protein bars, shakes and powders out there, you get the impression you need more protein. There are claims it curbs appetite, helps with weight loss and builds muscle. But what’s the real story?

“Contrary to all the hype that everyone needs more protein, most Americans get twice as much as they need,” says Kristi Wempen, a Mayo Clinic Health System registered dietitian nutritionist. “This is especially true for males 14-70 years of age, who the 2015 Dietary Guidelines for Americans advise to decrease meat, poultry and egg consumption.

They say that since the body does not store protein, that which is not converted into muscle is excreted of stored at fat! In addition extra protein can lead to heart disease from elevated lipids if your protein source is also rich in fast as with red meat. Protein needs to be excreted via the kidneys so anyone with kidney disease needs to limit intake. The recommended daily intake for a 165 pound man should be around 60 grams. An athlete may require about 50% more or 90 grams a day. They, like the folks at the wellness center recommend that you get your protein from food and not a jar of protein extract.

  • Soy, nuts, seeds, beans and lentils
  • Lean meats, such as skinless, white-meat chicken or turkey, and lean cuts of beef or pork
  • A variety of fish
  • Egg whites
  • Low-fat dairy

Beware of Whey

If you look online for protein supplements you will be bombarded with ads for whey protein powder. Whey protein comes from milk and contains high levels of essential amino acids (the ones that our bodies do not make from other foods). It is easily digested and there is some evidence that it might be helpful in improving immune function and gaining muscle strength. However, the same applies to whey as other protein sources. Up to 60 grams a day for an average man is OK and 90 grams is OK for an athlete assuming that you don’t get protein from other sources. Whatever you do not convert into muscle gets excreted in the urine or turned into fat.

Can You Watch Game of Thrones without Cable TV?

The pitch for getting cable TV is that you get to watch all sorts of new as well as classic movies anytime that you want to. And you can often get a package that includes phone service and internet. You sign up and spend the next month watching all available movies. Then the next month and thereafter you watch the same movies again and again. Of course many folks get cable so that they can watch a popular series like Game of Thrones. After all more than ten million watched the series premier last year. But, now you are paying maybe $150 a month for a service that provides an occasional new movie and an insane number of flicks that you have already seen in order to watch your favorite series which airs six or 8 shows a year. At $150 a month you are paying $300 for each new Games of Thrones episode in 2017! So, can you watch game of Thrones without cable TV and all that cost?

If All You Want is HBO

If you are getting tired of paying for a service that offers a lot more than you ever use in order to catch a few flicks and a series on HBO how about just getting HBO. Is that possible?

Grounded Reason writes about how to watch HBO without cable.

Now there are nearly as many outlets for HBO without cable as there are dead Starks.

Here are the options that they list.

Sling TV: Sling TV provides HBO over the internet as an add on to their Internet TV bundle for only $15 a month. Sling works with Roku, Fire TV, Android devices, iOS devices, and more.

HBO Now: HBO Now has been available since April of 2015. It’s essentially HBOs streaming service HBO Go without a cable TV subscription. It provides access to everything HBO has to offer on demand, and current seasons of shows are available the minute they air. That means you can watch Game of Thrones when everyone else in the world does and not have to wait until the next day.

HBO Now is available on Apple TV, Roku, Chromecast, iOS devices, Amazon Fire TV, Chromecast, and Android devices.

HBO Now is already loaded on Apple TV. Simply fire up the app and follow the onscreen instructions. If you are using your iPhone or iPad, simply download HBO Now from the iTunes store.

Cutting the Cable Cord

Consumer Reports asks if now is the time to get rid of cable TV. They describe a customer who saved about $1,000 by getting rid of cable, using an antenna for free local TV and signing up for online Sling TV. For $20 this customer got several cable channels as well as CNN and ESPN. He is not the only one.

Discontent with traditional providers, combined with new online options, are prompting more Americans to experiment with “cord cutting” to get a better deal. Close to 800,000 Americans dropped their traditional pay TV package in the first three months of 2017, according to research firm Moffett­Nathanson. “For the better part of 15 years, pundits have predicted that cord cutting was the future,” says Craig Moffett, senior research analyst. “Well, the future has arrived.”

If you are tired of paying for cable service that you don’t use consider one of the online streaming services.

How to Reduce Prescription Drug Costs

Getting sick is no fun and it is even worst when the cost of treating your illness costs so much money. This article is about how to reduce prescription drug costs as a way of helping you keep a little money in your pocket when you need to treat an acute or chronic illness Modern Medicine suggests two strategies to help consumers lower drug costs.

Prescription medications, including specialty drugs, now represent more than one out of five healthcare dollars, when looking at the average American benefit plan.

The good news is that when used as prescribed and sourced well, drugs improve health, quality of life and reduce medical complications, which in turn increases our economic productivity and lowers costs.

Because medications can be very expensive many patients do not fill prescriptions from their doctor (>20%) or do not take the medication as prescribed (>50%). Because you would like to get the full benefit of treatment and not bankrupt yourself what are your options?

Tools for Finding Cheaper Prescription Drugs

Tools like drug cost calculators can help consumers to comparison shop. In addition to price, these tools show consumers how they can save money by ordering through mail order, by ordering a 90-day supply or with generics. However, they can be challenging to use. A new generation of easy-to-navigate web tools, include desktop search features and mobile apps with price comparison data and discounts. These are especially useful for people who do not have prescription insurance or who are in the deductible phase of their health plan and want to lower their out-of-pocket expenses.

Ask your pharmacist if there is a generic option for your prescribed medication. Generic drugs are the same as trade name drugs but cheaper. With few exceptions you can get what you need for a lot less with generics. And shop around if you think you are paying too much. The world of pharmaceutics is very competitive and prices from pharmacy to pharmacy can vary greatly, even within the same drug store chain. And go online. The reason Amazon.com sells things for less is that they are not paying to maintain a bricks and mortar store. The same applies to online pharmacies. The fact is that you need a local pharmacy for a three day supply of antibiotics for an infection right now. And you need an online or generic source for long term medications for high blood pressure, diabetes and other chronic conditions.

Insurance Options

These days many companies provide a range of insurance options for their employees. The basic plans typically have high deductibles and often do not include prescription drugs. When you are young, healthy and rarely have any prescription drug costs the basic plan is always the best. And when you need prescription drugs the best choice is up move up the line to a plan that covers better even if you need to kick in every month to qualify for that plan.

Ask Your Doctor

And, don’t forget to ask your doctor if there is a cheaper alternative to what he or she is prescribing. The best results often start right at the source.

Is Induction Cooking Cost Effective?

Once upon a time, people cooked meat over a fire and then in a fire place. Then stoves and ovens were invented using wood and coal for heat. When natural gas became available it became the best way to cook. And when electric stoves were invented cooks loved them. And, of course, there is the microwave oven for heating everything from cold coffee to bags of popcorn. But, now there is a new way to cook, via induction. What is induction cooking? It is safe? And, is induction cooking cost effective because if you are going to get rid of your old stove and buy one of the new ones it shouldn´t cost you an arm and a leg. First of all what is induction cooking?

Induction Cooking

The Induction Site explains how induction works.

An induction-cooker element (what on a gas stove would be called a “burner”) is a powerful, high-frequency electromagnet, with the electromagnetism generated by sophisticated electronics in the “element” under the unit’s ceramic surface. When a good-sized piece of magnetic material-such as, for example, a cast-iron skillet-is placed in the magnetic field that the element is generating, the field transfers (“induces”) energy into that metal. That transferred energy causes the metal-the cooking vessel-to become hot. By controlling the strength of the electromagnetic field, we can control the amount of heat being generated in the cooking vessel-and we can change that amount instantaneously.

The stovetop of an induction stove does not get hot. Only the cast iron skillet or other metallic pot gets hot and that in turn heats the food. Only if you have a lot of pots on the stove, all heating up, with the stovetop in turn be heated from the pots! According to The New York Times induction cooking is cheaper than gas or electric because it heats faster and dissipates less heat.

The extra cost of induction cooking is the stove and the pots and pans. Ceramic, copper and aluminum cookware won´t work. Only pots that a magnet will stick to will work on a induction stove.

How Much Do Induction Cooktops and Ranges Cost?

Consumer Reports discusses the Pros and Cons of Induction and provides a price list.

30-Inch Cooktops

Frigidaire FGIC3067MB, $1,260
GE Café CHP9530, $1,800
GE Monogram ZHU30RSJSS, $2,500
GE Profile PHP9030DJBB, $1,350
Kenmore 43820, $1,440

36-Inch Cooktops

Jenn-Air JIC4536XS, $2,100
Thermador CIT36XKB, $5,000

Ranges

Bosch HIIP054U, $3,200
Frigidaire Gallery FGIF3061NF, $1,540
Kenmore 95073, $1,700
LG LSE4617ST, $3,320
Samsung NE58H9970WS, $3,400

If you already have a functional range and cooktop you need to think about how much you will save over how many years in energy consumption in order to justify buying a new appliance. A 36 inch KitchenAid gas cooktop from Sears will cost you $661.20 plus tax. Compare that to the $2,100 or $5,000 you will pay for a new induction cooktop.

Safety

You will likely never burn yourself on an induction cooktop because there is no heating element. But are there safety concerns? One that was addressed a decade ago is if patients with pacemakers are at risk from the induction field. An article in Europace discussed if induction cooktops interfere with pacemakers.

Patients are at risk if the implant is unipolar and left-sided, if they stand as close as possible to the induction cooktop, and if the pot is not concentric with the induction coil. Unipolar pacing systems can sense interference generated by leakage currents if the patient touches the pot for a long period of time. The most likely response to interference is switching to an asynchronous interference mode. Patients with unipolar pacemakers are at risk only if they are not pacemaker-dependent.

It would appear that a patient with a pacemaker would need to make a concerted effort to get enough exposure to cause a problem but the best advice is for these folks to talk to their doctor before buying or getting near an induction cooktop or range.


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