What Really Matters When Choosing Health Insurance?

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If you want to be able to live a healthier life, then there’s no denying the importance of being able to use all of the healthcare services available to you. As such, even if you do benefit from a universal health insurance scheme, once you’re able to afford it, it makes sense to go private with insurance to ensure the best level of care. But how do you choose the insurance that best suits your needs? Price might be one factor to look at but, as we will explore here, it’s far from the only thing.

 

Who can you see on it?

Aside from the price, one of the most important elements to check with any health insurance package is the network of providers who are on it. There are a lot of insurance policies that are specifically in network with a selection of doctors or healthcare services and, in some cases, choosing a new healthcare policy can mean having to switch doctors. If you don’t want to do that, make sure that you pick a provider that’s in network with your current doctor.

 

Is everything you need covered?

Most private insurance policies immediately open the gates for you to be able to access private treatments that might be too costly for some providers to offer on universal healthcare. That said, you want to make sure that you are getting precisely the level of cover that you expect. For instance, if you want access to ambulance services, optical care, dental, and more, then you might need to look at extras insurance. Most providers will have different levels of coverage, so it’s about balancing your needs with your budget.

 

Which medicine can you take?

Health insurance can cover not only the treatments and healthcare services provided by doctors and other healthcare teams, it can also cover the costs of medication that might not be available through universal healthcare. Even in cases where there are both generic and brand-name medications of the same medication, the differences are not negligible. Even if the active ingredients are the same, aspects such as the delivery system can make a big difference in how quickly medications go into effect. Be sure to check the differences in medication offered between providers.

 

Does your family get covered?

It might be that you’re only looking to get coverage for yourself, and you can ignore this point if so. If you’re looking to include your family, spouse, and children on your insurance, however, then you had better ensure that your policy offers cover for them, as well. Some insurance providers can even cover siblings, parents, and grandparents. Just make sure that your provider is specific in telling you which family members can go on your insurance. Be aware, also, that the more people on a policy, the more that you’re likely to pay for it.

It’s worth considering all of the factors above when choosing a health insurance package. Otherwise, you can end up lacking the level of care and responsiveness you need, when you need it.

 

4 Essential Solutions for a Better Night’s Sleep

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Getting a good night’s sleep is one of the best ways to improve our overall well-being. Sleep can have enormous positive effects on our life, aiding in everything from the reduction of stress and anxiety to improving our ability to concentrate and boosting our mood.

Of course, getting a good night’s sleep can be easier said than done, and many of us find ourselves lying awake at night waiting for sleep to come.

Luckily there are things that you can do to improve your sleep. So, if you’re looking for a better night’s sleep, then here are just four fantastic tips to help you get started.

1) Master Your Routine

When we talk about bedtime routines, we often think of our little ones. However, it’s not just our kids that benefit from routine and structure.

When you give yourself a bedtime that you stick to each night, you might find it easier to get to sleep in the evening.

Structure and routine will help your body to develop patterns, so having a regular bedtime can help set your body’s natural clock.

2) Create a Calming Environment

Your bedroom should be a calming retreat away from the bustle of the rest of your home – particularly if you have little ones running riot and causing chaos.

There are certain scents, such as lavender, that can help us sleep better each night.

However, many of us don’t like the idea of scented candles in the bedroom in case we fall asleep while they’re still lit.

A good alternative to the scented candle is the fragrance diffuser, with products such as those offered by Neom, you can enjoy all of your favourite sleepy scents without worrying about having an open flame.

3) Invest in a Quality Mattress

Our mattresses aren’t designed to last forever, and over time they can become so uncomfortable that they start to disrupt our sleep.

By investing in a quality mattress, you’ll find that not only will you look forward to going to bed, but you’ll wake up feeling more rested.

Experts such as Archers Sleep Centre offer a wide selection of mattresses and they can advise you on the best option to suit your sleeping patterns and positions, helping to ensure you get the best night’s sleep possible.

4) Limit Light Pollution

As the days get longer, you’ll notice that it gets lighter much earlier in the morning.

This means that you’ll often get woken up much earlier than you want to.

By investing in blackout curtains or blinds, you’ll help to ensure that you get enough sleep. Experts such as Blinds Direct offer a wide selection of made-to-measure black-out blinds to perfectly fit your bedroom windows.

By blocking out the light from entering your room in the mornings and evenings, you’ll be able to fall asleep earlier and stay asleep longer.

How have you ensured that you get a better night’s sleep? Share your tips in the comments below!

What to do when encountering asbestos in your home renovation project

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It is a fact that asbestos-containing materials are responsible for the deaths of 5,000 workers every year. A certain percentage of that is on tradespeople working on older buildings built before the year 2000.

 

Asbestos is a naturally occurring fibrous material which is extremely dangerous to people that are not trained in asbestos safety and has severe consequences if handled incorrectly. There are some things that you need to do if you feel that any work has led to asbestos exposure risk. 

First action 

If there is a possible release of asbestos fibres within the work area, you need to stop all work immediately. 

The area that you are concerned about needs to be sealed off from everybody entering the area. You also need to remove any clothing that shows any dust or debris and place them in a plastic bag. You will also need to inform all parties working on the property of the potential for an asbestos risk. 

Second action 

You will need to call in a specialist in asbestos services to come to the property and conduct an asbestos survey and ascertain the level of issue through sampling and asbestos testing. Ideally, this would have been performed before any construction work was taken up, but in the cases where it has been overlooked or ignored, this is a high priority.

Asbestos removal South Manchester company is the only certified body to legally work with asbestos-containing materials. You should not perform any sample taking or removal and disposal of suspected asbestos materials if you are not trained to do so. 

Asbestos Surveying 

Asbestos surveys are required by law because of the high risk presented by asbestos fibres when discovered within buildings. A building may require one type of survey, the other or both depending on the building and work being undertaken. 

An asbestos survey is the only way to know for certain that the materials you are working around have asbestos traces within them. These specific surveys need to be conducted by an expert in asbestos services to determine the materials type, amount and location before any further work is carried out.

The surveyor will have training and experience in all aspects of asbestos surveying work, knowledge of asbestos-containing products and proper management systems for you to follow to the letter.

Do not cut corners with safety, contact asbestos removal Manchester company before things become dangerous.

7 Things To Think About Before Starting A Roof Renovation Project

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There are many reasons why you would need to renovate your roof. For one, it may require crucial repair work to improve its efficiency and boost the insulation. Renovating your roof can be a significant undertaking that requires careful planning and preparation to ensure a successful outcome. Here are seven important things to think about before starting a roof renovation project. 

Roof Inspection 

Before embarking on a roof renovation project, it's essential to conduct a thorough inspection of your current roof. This will help you identify any underlying issues, such as leaks, damage, or structural problems, that need to be addressed before the renovation work begins. You could conduct a survey through a roofing company or an individual roofer. Either way, they can inspect your roof and provide a detailed report that can help you make informed decisions about the scope and budget of your renovation project. 

Budget 

Like any home improvement project, a roof renovation requires careful budgeting. Consider the cost of materials, labour, permits, and any other expenses that may arise during the project. It's crucial to have a realistic budget in place to avoid unexpected costs and ensure that you can complete the renovation without any financial setbacks. 

Material Selection 

The choice of roofing materials is a crucial aspect of any roof renovation project. There are various options available, including asphalt shingles, metal, wood, tile, and more. Each material has its pros and cons in terms of cost, durability, maintenance, and aesthetics. Consider your budget, climate, and long-term goals when selecting the right material for your renovation project. 

Weather Considerations 

Weather can significantly impact the progress and success of a roof renovation project. Rain, snow, extreme temperatures, and high winds can affect the installation and performance of roofing materials. It's essential to plan your renovation project during a season with favourable weather conditions to minimize potential delays and ensure that the work can be completed safely and effectively. 

Hiring A Roofer 

In order to get the best work done for your roof, you will need to hire a roofing expert. Where possible, you should try to hire a roofer that has vast experience and even has a portfolio of work. You should check their credentials, licenses, insurance coverage, and references ahead of time, too. You can find roofers near you through sites such as MyBuilder. This site will allow you to search through local roofers and compare quotes. You could even post the job and have roofers approach you. 

Energy Efficiency 

Consider the energy efficiency of your roof during the renovation project. Upgrading your insulation, ventilation, and reflective roofing materials can help improve your home's energy efficiency and reduce your utility bills. Discuss these options with your contractor and explore any available rebates or incentives for energy-efficient roofing. 

Timeline 

Establishing a realistic timeline for your roof renovation project is crucial. Work with your roofer to develop a timeline that includes all the different stages of the renovation, from inspection and preparation to installation and clean-up. A well-planned timeline will help you manage your expectations and ensure that the project progresses smoothly.

Essential Medical Appointments Your Child Needs Annually

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As a mom, it can be overwhelming to keep up with all the medical appointments that our children need within a year. From paediatricians to dentists and everything in between, it can be challenging to remember which doctor or dentist your child should visit and at what time. 

Keeping up with each child’s appointments can feel like a full-time job, and the last thing we want is for our children to miss out on essential check-ups because we forgot. This article will help you understand the medical appointments your child needs yearly and how to manage them hassle-free.

Paediatrics 

Your child will need to visit a paediatrician once a year for a comprehensive check-up, especially if he/she is still very young. To make sure your child is healthy, your doctor will check hearing, vision, height, and weight. The doctor will also help you keep track of your child’s immunisations and suggest any necessary vaccines according to age guidelines. 

Dermatologist  

It is essential to keep a close eye on your child's skin health. It is recommended that your child sees a dermatologist once a year to check for any rashes, acne, or other skin-related issues. Some children struggle with eczema or warts, which can be easily treated with early detection. So if you see something suspicious, act on it. 

Eye Exam 

A regular eye exam is crucial for your child's academic and social life. Poor vision puts a child’s ability to learn and socialise at risk. If your child experiences headaches or blurry vision, please make sure to schedule an appointment with an eye specialist. A routine check-up with an optometrist once a year can detect issues such as astigmatism, strabismus, and retinitis pigmentosa and provide treatment at an early stage. 

Dentist 

Dental check-ups are more critical than ever, especially with kids' excessive intake of sugary drinks. Tooth decay is one of the leading chronic illnesses affecting young children in the UK. So you must take your child to the dentist every six months for a comprehensive check-up. A dentist can detect and treat cavities, gum disease, or any related disorders. 

Mental Health Check-Up 

Mental health is just as important as physical health. Children’s mental health issues continue to rise due to huge administrative burdens, social pressures, virtual lives, or other reasons that could impact children’s well-being. Therefore it is essential to send your child for a mental health check-up once a year to detect any signs of anxiety, depression or traumatic stress. 

Making sure that your children attend essential medical appointments annually can help keep them healthy and happy throughout their lives. In addition, early detection of health issues is critical to effectively manage and treat any health problem. 

Therefore, scheduling your child's regular check-ups with a paediatrician, dermatologist, dentist, optometrist, and mental health expert will ensure that you are giving them the best possible chance to succeed. As a mum, it is always reassuring to know our children are in good hands with regular medical check-ups.

Remotely Helping Your Aging Parents

 

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The sandwich generation. It's not a term I'd heard of until recently but it seems that turning 50 and most of my friends being in their late 40s and 50s that many of us are starting to realise we are these middle-aged people who find ourselves sandwiched between caring for both our children and our aging parents. 

I grew up with Maggie Thatcher as the Prime Minster and received the message that women could do and have everything before becoming a mother (if they so wished) and thus didn't have my first child until I was 30. Most of my friends waited to have their children until they were in their 30s and maybe even 40s too. Now, here I am on the cusp of 50 with a son who is about to turn 20 and is away at university, but still requiring practical, emotional, and financial support, as well as twin fifteen-year-olds living at home and going through the angst of GCSEs. 

I'm also wondering how I can best support my parents who are in their mid to late 70s and live 80 miles away. I'd love to be able to be there for my parents on a day-to-day basis. When they need a lift to a hospital appointment or they can't do their daily activities as they are unwell, I'd love to pop by and cook a hearty meal, clean the house, or offer the necessary lift, but three children, a trip on the M25 and a demanding job do not lend themselves to that kind of regular help.

So, I'm turning my thoughts to what kind of help I can remotely offer to my parents so they still feel loved and supported but I'm not torn in all kinds of impractical directions. 

1.  Talk to them Regularly

I may not be able to be there in their house each week but I can certainly be a regular presence in their life. A simple phone conversation or maybe FaceTime or a Zoom call could make the world of difference when they are feeling lonely, down, or overwhelmed.  Or, to be honest, they don't need to be feeling any of those things, it is great to talk regularly even when everything is ticking over and going well. That regular time together is the way 

2. Help them get their House Adapted

If you find that mobility is becoming an issue for your parents then it might be time to help them arrange for some home adaptions that allow them to stay in the home they love and to still use it fully. There are lots of great adaptions that can take place relatively easily, like installing handrails, a stairlift, or changing to a walk-in bath/ shower. Or if they have space and it is necessary you can even investigate putting a home lift in for them. Age Co Mobility is a reputable supplier of these kinds of mobility products and with great customer service from Hanicare, you'll be sure that your parents are being looked after. 

3. Orangise their Shopping and Prescriptions

Even if you can't be present yourself you can help with some practicalities like getting the weekly shop ordered and delivered, or liaising with their GP and the local pharmacy to make sure that repeat prescriptions are always put in on time and get delivered to their house.

4. Keep in Contact with their Neighbours

My parent's neighbours are still the same people they were when I was a child and this means I know and trust them. As they are now elderly themselves they can't necessarily do all the practical jobs anymore but they can certainly keep an eye to check they have seen my parents regularly, and then my parents can do the same with them. 

If an emergency occurs it is useful for a neighbour to have a key to the house so they can let any of the emergency services in and also call me to raise the alarm. 

5.  Get in touch with useful Charities

There are plenty of local charities across the country that specialise in helping people into their older years. Whatever help your parents need, you may be able to organise this through a local charity. There will be places that can recommend trusted tradespeople and home helpers, ones that offer befriending services, others that can organise cooked meal delivery and so much more. It is definitely worth doing a Google search and joining the FaceBook group for your parent's town or village to ask for recommendations from local people. 

I hope you can see that even though you might be quite some distance from your parents you can still be a positive presence in their life and help them on an almost daily basis. 

5 Fertility Treatment Options To Explore

 

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Struggling to fall pregnant? Or unable to carry a baby full-term? After a year of trying, you are likely to be eligible for fertility treatment. A doctor will be able to run tests to determine if any specific treatment is needed. There are many different types of fertility treatment to consider. Below are some of the most common forms of fertility treatment. 

Fertility medication

A number of drugs can be prescribed to improve fertility. This includes drugs that can improve male fertility such as gonadotropins or drugs for women such as clomiphene citrate. Some drugs can be taken orally, while others will need to be injected by a professional. 

A doctor will be able to recommend exactly which drugs to take. Fertility medication is often not too expensive and has a relatively high success rate. Just be wary of the side effects of certain medication and the potential complications and consequences that can arise. For example, taking gonadotropins can result in a high chance of having twins if you do conceive. 

IUI

IUI is a procedure that involves taking the best quality sperm from the man and then injecting them directly into the womb. IUI is recommended for men with low sperm quality, as it enables the best quality sperm to be picked out. 

A single cycle of IUI usually costs between £700 and £1600. The success rate of IUI is only  7% to 10%, but it could still be worth trying before moving onto IVF if you think the problem may be due to a male fertility issue. . 

IVF

While IUI still allows the egg to be fertilised inside the body, IVF involves manually combining the egg and sperm in the womb outside of the body. In many cases this can be much more effective than IUI - the success rate for women under 35 is 32%, which means there’s a high chance of being successful in three rounds.

Unfortunately, IVF can be quite expensive. One round of treatment can cost over $5000. There are loans and payment plans available that can help spread out the cost. 

Egg/sperm donation

If you are not producing eggs or your partner’s sperm is low quality, there is the option of looking into egg donation or sperm donation. This involves using a donated egg or donated sperm to try to conceive.

Egg donation has a 80% chance of being effective, while success rates of donor sperm typically range between 60% and 80%. Costs of egg and sperm donation can vary quite a bit depending on whether they are used with IUI or IVF treatment. You can read more here about the egg donation process.

Laparoscopic surgery

Surgery is sometimes recommended for dealing with certain fertility issues like removing fibroids or unblocking a fallopian tube. Laparoscopic surgery (or keyhole surgery) is one form of surgery that can leave minimal scarring.

A doctor will be able to inform you if surgery is a viable solution for you. The success rate of surgery can vary depending on the nature of the procedure. 

Dental Issues To Look Out For In Your Kids

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As a parent, you’re largely responsible for the health of your kids' teeth. Certain dental issues could be important to look out for and treat in order to preserve your child’s teeth into adulthood. Below are just some of the biggest dental issues to look out for in your kids. 

Overcrowding

As kids’ adult teeth come through, they can often come through at odd angles. This can lead to areas of the mouth getting overcrowded. Such overcrowding can make brushing teeth harder, which can then increase the risk of other dental problems.

It could be worth looking into braces for your child to help realign the teeth. Metal braces are commonly recommended for kids with seriously misaligned teeth, however, your child may also be eligible for clear braces. In both cases, a mold of your child’s mouth will need to be taken so that braces can be precisely constructed to fit your child’s mouth. Braces are not cheap, although clear braces are usually more affordable. There are various different price plans that you can look into. 

Tartar build-up

If your child isn’t brushing their teeth properly, it could result in build-ups of plaque forming. These build-ups of plaque are known as tartar - on top of not looking nice, they can lead to decay if not treated.

You cannot remove tartar with a toothbrush in most cases. Instead, you are better off taking your child to a dentist so that a dental hygienist can professionally clean them. Tartar build-up can be avoided by making sure that your kids are brushing their teeth regularly and thoroughly. 

Decay

Many kids experience tooth decay. This is often the result of poor brushing combined with eating too much sugary snacks. That said, some people simply have teeth that are more prone to cavities.

If your child has started experiencing tooth decay, it could be worth getting them to see a dentist as soon as you can. A dentist will be able to clean away the decay and place a filling in the tooth to prevent further decay. If teeth are seriously decayed, they may need to be completely removed and possibly replaced with implants. Children typically do not have to pay for fillings and implants with a NHS dentist.

Toothaches

If your child is complaining that their tooth hurts, it’s worth taking them to a dentist as soon as you can. A toothache is often a sign of an infection - which could spread if not treated.

If caught early enough, most infections can be easily treated with a prescription of antibiotics. However, long-term infections may require other forms of treatment such as root canal treatment or tooth removal. A dentist will be able to numb your child’s teeth so that they do not feel anything if a dental procedure is required.  You should never ignore seeing a dentist, even if your child claims that the pain seems to have gone away (sometimes when a toothache goes away on its own it’s because the nerve has been killed off by the infection - and therefore the infection still needs to be treated). 

The Benefits of Educational Toys for Young Children's Cognitive Development

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As parents, we all want to provide the best possible opportunities for our children to grow and learn. One of the most effective ways to promote a child's cognitive development is by providing them with educational toys. These toys are created to instruct and challenge children amusingly. Giving children educational toys has a lot of advantages, and fortunately, there is a wide range of places to buy them, including toy stores for children.

Developing Important Skills Through Educational Toys

The first benefit of educational toys is that they can help children develop important skills. Many educational toys can aid in developing critical thinking, spatial reasoning, and problem-solving. These skills are essential for success in school and beyond. Parents can help their children get a head start in life by providing them with educational toys that foster the development of these skills.

Such toys demand that children use logic and critical thinking to solve tasks and come to judgments. This kind of play can teach children how to think for themselves, make decisions confidently, and come up with original solutions to challenges.

 

Fostering Creativity and Imagination with Educational Toys

The ability of educational toys to promote imagination and creativity is another advantage. Many educational toys are open-ended, so children can use their imaginations and come up with their own solutions. Children can learn to think creatively through this kind of play, which is a crucial life skill. Role-playing with educational toys, such as play kitchens or doctor kits, allows children to practise social skills such as taking turns and sharing. It can also help them learn to understand different perspectives, another vital component of emotional intelligence.

Learning Important Concepts through Educational Toys

Children can acquire crucial ideas by playing with educational toys in a pleasant and interesting way. For example, toys that teach letters and numbers can help children develop early literacy and numeracy skills.

Moreover, children can benefit from them by getting to appreciate learning and being curious about the world around them. Parents can encourage a lifetime love of learning in their children by giving them entertaining and engaging toys. Children who take an interest in learning are more likely to be self-directed and to achieve academic and professional success.

Children’s Educational Toy Stores: A Valuable Resource for Parents

Child educational toy stores are a great resource for parents looking for high-quality educational toys for their children. These stores frequently provide a large assortment of toys, including toys made for different age groups and ability levels. In addition, they often have knowledgeable staff who can help parents choose the best toys for their children's needs.

Why Educational Toys Are Crucial for Children's Growth

For children's cognitive, social, emotional, and physical development, educational toys have several advantages:

        1.  Replace screen addiction

Many parents in the modern digital era may worry about how screens and technology will affect their child's development. Due to the hands-on and interactive learning opportunities they offer, educational toys can be a fantastic substitute for screen time. Parents can assist their children in developing critical skills and acquiring new information without simply relying on screens by giving them educational toys.

        2.  Improve bonds

Parents and children can develop strong bonds through the use of educational toys. Together, they can spend valuable time and make lasting memories. Also, it can help parents figure out their children’s strengths and weaknesses so they can improve their education.

        3.  Boost confidence

Educational toys can also positively impact a child's confidence and self-esteem. As children learn and master new skills through play, they gain a sense of accomplishment and pride in their skills. This can help them develop a positive self-image and a growth mindset, which can benefit them throughout their lives.

        4.  Refine communication

As with other skills, children's language and communication skills can benefit from playing with educational toys. Several educational toys encourage storytelling, pretend play, and imaginative play, all of which can aid a child's language growth and communication skills. This is especially crucial for children who might struggle with language development or communication issues.

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        5.  Develop motor skills

Children's educational toys can also aid in developing their fine motor skills, which are necessary for tasks like writing, drawing, using utensils, and other skills. Children should use their hands and fingers to control little things when playing with many educational toys, such as puzzles and building blocks. This can benefit children's dexterity, hand-eye coordination, and precision.

Conclusion

Instructional toys can aid children's cognitive, social, emotional, and physical development. Parents can assist their children in the development of critical thinking skills, encourage imagination and creativity, and produce memorable experiences by giving them educational toys. Educational toys are a lifelong investment in the development of a child's love of learning and their innate curiosity about the world.

Choosing The Bra To Give The Support You Need

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If there’s one element of fashion and clothing that we perhaps don’t talk about quite enough, it’s the support and comfort that so many of us rely on from the bra that we wear. A lot of women are wearing the wrong bra, not getting the lift they need, and perhaps may not even be aware of it. As such, here, we’re going to look at a few tips that can help you correct that mistake.

Make sure that you measure, first

It’s been suggested that as many as 80% of women are wearing the wrong bra size, a statistic that retailers have used a lot to sell more bras. It’s true that bust sizes can float from one measurement to another based on a range of factors. While you might not really be wearing the ‘wrong size’ and find that it depends on manufacturer and shape, you should be used to measuring before you go out to try bras on so that you can keep it as accurate to your current size as possible.

Pay attention to the band fit, not just the cup

While the cups might feel like they’re doing all the lifting and do keep the breasts in place, it’s the band that actually offers most of the support. After all, they are what keeps the cups fixed to the body. So, when you try on a bra, make sure that you’re testing to see that the band is fitting well enough that it can offer support for a couple of steps even if the straps aren’t fully on.

Try different types of cups

The contour cup is very popular, and the most common type of bra that’s currently sold at the moment. However, certain breasts may not get the support that they need from this shape. Larger cup sizes might do better with the help of a demi-cup bra with additional supportive lace and underwire. There are also super cute bralettes that can offer additional shape-retaining support for those with smaller busts, as well. Try out different bra types and you might be surprised which of them actually offers the best support, and you enjoy wearing the most.

Know the signs of a bad fit

If you’re not certain whether or not your bra is fitting correctly, then you should keep an eye out for the signs that you should switch your sizes up. If the straps are digging into your shoulders, then the cups or straps are too small or tight. The band shouldn’t be loose or suffocating, just snug against your back. Similarly, if the straps are slipping or you’re spilling over the cups, it means that it’s a size too small, at least. Take the time to measure your bra size and try again.

Make sure that you take the time to follow all of the tips above and make sure that your bra is doing the lifting so you don’t have to. There may be other tips for women who are plus-size or small-chested that are worth keeping an eye out for as well.