Home : Credit & Lending : Types Of Loans And Their Features

Types of loans and their features

Loans play a crucial role in helping you meet financial requirements such as college education, purchasing a car or a home, and emergencies. You can obtain a loan from a bank, credit union, or an online lender. There are several loans available that can be used by commercial or business establishments, such as SBA loans, equipment loans, working capital loans, and term loans.

Types of loans and their features
They are the best option for financing business plans. 

Loans can be easily availed by anyone. But before you borrow money from any financial institution, it is important to compare the interest rates and terms offered by various lending institutions to get the best rates. Easy loan facilities and customer-friendly repayment plans will help you tide over any type of short-term financial hitches.

Types of loans

Personal loan
Personal loans can be availed for a number of reasons that include home renovations, weddings, debt consolidation, vacations, and much more. Choose from a wide variety of personal loan options to help you to meet your financial needs. A personal loan is a perfect way to get the cash you need without paying a large amount of interest. Be aware of the extra credit card charges and late fees. 

Personal loans can be categorized into two – secured and unsecured loans. Loans that are taken against collateral are termed secured loans, whereas loans granted without collateral and are backed by the creditworthiness of the borrower are known as unsecured. The interest rate for unsecured loans is comparatively higher than for secured loans. You can apply for these types of loans either online or avail of them from a bank or credit union. Borrowers with good credit scores could be offered low-interest rates and a range of easy repayment options.

Student loans
If you are planning to pursue higher education, then you should consider securing student loans. There are two types of these loans- federal and private student loans. Federal student loans come with more benefits and protection but have higher interest rates. To secure them, you need to fill in a free application for Federal Student Aid. You can contact your educational institution’s financial aid department for the application and details. 

If you have good credit, you can qualify for private student loans. These loans offer fewer benefits and protection, but with a good credit card, you can qualify for better rates. Securing private student loans enables you to pay tuition fees and living expenses at accredited schools across the country. However, you cannot use it to pay for specific types of education, such as computer coding or graphic classes.

Home equity loans
A home equity loan, also known as a second mortgage, is a great way to use your home’s equity to get a bigger line of credit without having to put any money down upfront. You may be able to borrow nearly 85% of your home’s equity and secure a repayment plan that could span anywhere between five and thirty years, depending on your financial situation. However, if you already have a mortgage on your house, the interest rates are likely to be higher than a traditional mortgage, and the repayment process can be lengthy and difficult.

Mortgage loans
Banks and credit unions mostly offer these types of loans. However, there are some government-assisted mortgage loan programs that are available too. To avail of the government programs, you need to meet certain criteria as these are usually for low-income families, active-duty service members, and veterans.

Auto loans
These are a type of secured loans that are used to buy a vehicle. The repayment terms vary, and the period could be between three and seven years. The collateral for an auto loan is the vehicle itself, which means if you cannot repay the loan, the lender will take charge of the vehicle. Auto loans can be secured from banks, credit unions, online lenders, and car dealers.

Payday loans
These are short-term loans that are not credit-based. They are available at high finance fees, and the repayment plan is till the next paycheck. If you exceed the limit, you need to pay higher fees.

Title loans
These are secured short-term loans where you need to pledge the title for your vehicle as collateral. The loan limit is within 25% to 50% of the value of the vehicle, which the lender evaluates. The repayment option typically is only up to 30 days.

Small business loans
Several types of small business loans include small business administration, equipment, working capital, and term loans. They are useful for startups and small businesses like family-owned enterprises. They are the best option for financing business plans.

Land loans
Land loans are of two types, namely improved and unimproved. The former is used for land ready for construction, whereas the latter is for vacant land. Land loans have higher interest rates, stringent down payment options, and credit requirements compared to other property loans.

Family loans
These are informal loans that family and friends can secure. Draft and sign a loan agreement that includes interest payments, due dates, and late fees.

Before approaching a lender, it is important to comprehend what type of loan you need. Additionally, research and compare the interest rates to get the best deal.

Disclaimer:
The content provided on our blog site traverses numerous categories, offering readers valuable and practical information. Readers can use the editorial team’s research and data to gain more insights into their topics of interest. However, they are requested not to treat the articles as conclusive. The website team cannot be held responsible for differences in data or inaccuracies found across other platforms. Please also note that the site might also miss out on various schemes and offers available that the readers may find more beneficial than the ones we cover.

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An Overview Of Colon Polyps
Health & Wellness

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
Health & Wellness

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
Health & Wellness

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
Health & Wellness

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.
What Are The Causes And Symptoms Of External Hemorroids
Health & Wellness

What Are The Causes And Symptoms Of External Hemorroids

What are the causes and symptoms of external Hemorrhoids? Hemorrhoids, popularly known as ‘Piles,’ are enlarged or swollen blood vessels near the lower part of the rectum or anus. The inflamed veins are caused due to excessive pressure on the veins or extra strain during bowel movements. Hemorrhoids are very common in men as well as women in their middle age. There are no major hemorrhoids – symptoms however these can be very painful and may cause severe itching and bleeding. What are the types of Hemorrhoids? There are various types of hemorrhoids that are classified based on the way they are caused: Internal hemorrhoids – In this type of condition, the swelling of the blood vessels is inside the rectum area. It may not cause discomfort however it may get painful during bowel movements and may cause bleeding. It may also at time protrude outside the anal opening and cause irritation. External hemorrhoids: In this condition, the swelling is around the skin of the anal area or the lower rectum area. It usually causes painful bowel movements and irritation due to itching. Thrombosed hemorrhoids: In this type of a situation there is generally a blood clot formation inside the hemorrhoid which is very distressing. What are the symptoms of external hemorrhoids? The external hemorrhoids – symptoms are: The bowel movements may not be very painful but contain blood every time you pass stool. It may even stain the tissue paper or undergarments. Severe and uncontrollable itching around the anal area. Intolerable pain in the rectum area during and after bowel movements. Discomfort while sitting or walking, along with pain and itching. Swelling of blood vessels in or around the anal fissure which may even protrude sometimes outside the anal opening. Lump in and around the anal area which is often sensitive, tender and painful may be a symptom of a thrombosed hemorrhoid. How is it caused? Every single person has hemorrhoids, it is only when they have swelling or inflammation it becomes troublesome and painful. The exact and precise cause for hemorrhoids is still not known. The increase in the pressure around the lower part of the rectum can cause swelling and inflammation in the blood vessels which may cause hemorrhoids and its symptoms. There are many other causes that lead to recurrent hemorrhoids which are: Strain or injury during bowel movements: This may happen due to constipation or pressure to pass the bowels. Diarrhea: It is also one of the causes of hemorrhoids. Chronic Constipation: The pressure put by the patient during constipation may lead to the swelling of the blood vessels. Injury to the spinal cord can also strain the veins leading to hemorrhoid formation. Pregnancy: Can lead to hemorrhoids as it tends to put pressure on the veins in the lower rectum area due to the enlarged uterus thereby causing swelling or inflammation. Sitting for prolonged periods in a place, plane, car or bus journey may put pressure on the lower rectum or anal area which may cause the blood vessels to get enlarged or swell thus leading to hemorrhoids. Irregular bowel movements: Can cause hemorrhoids due to strain or pressure during the bowel movements. Obesity can cause hemorrhoids Low fiber diet: Fiber in diet enables the smooth functioning of the digestive tract however low fiber may affect the smooth functioning of the digestive system which may lead to piles and enlarged veins in the rectum area. Inappropriate posture: Due to various reasons can lead to hemorrhoids as it may put pressure on the lower area of the rectum and anal opening. Family history: Many a times hemorrhoids are caused due to genetics as the person may have inherited it from his/her family. What are the treatment options? In most of cases of hemorrhoids, you can opt for self-treatment or home remedies as these aid in the problem going away. However, in the severe cases, medical intervention such as surgical procedures or medicines may be required for the person to recover fully. A medical intervention is the best way to manage the symptoms of hemorrhoids and nip the condition in the bud as soon as possible.
Home Remedies To Relieve Pain And Discomfort Due To Hemorrhoids
Health & Wellness

Home Remedies To Relieve Pain And Discomfort Due To Hemorrhoids

Home remedies to relieve pain and discomfort due to hemorrhoids Hemorrhoids are also known as “piles” as they are swollen or inflamed veins in and around the anus region of the body that cause severe pain, along with distress and bleeding. The swelling is caused due to increased pressure around the area or due to an injury during a bowel movement. It is a very common condition that may occur in the middle ages for both men and women. However, there are numerous options available to treat it. Many people can get relief from hemorrhoids by following major lifestyle changes and precautions; in severe cases, surgical intervention may be required. Who is at risk of hemorrhoids? People in their 50s are generally likely to get hemorrhoids; otherwise, people who can be at risk are as follows: Pregnant women Obese people Constipation Those sitting for long periods on the toilet seat Those who have low fiber intake in their regular diet Those with an injury caused by a bowel movement What are the symptoms? The various symptoms of hemorrhoids are these: Painless bleeding during bowel movements Severe itching around the anus Discomfort and unbearable pain while sitting Swelling or inflammation around the anal region How is hemorrhoids diagnosed? Hemorrhoids are generally diagnosed by looking at it visually. The other ways to test and detect hemorrhoids include those listed here: Digital rectal examination : In this test, the doctor will first check the anus canal and rectum visually and then decide to go for the digital rectal examination. The doctor will use their finger with gloves and insert it in the rectum to feel any abnormalities or growths for identification of hemorrhoids. Sigmoidoscopy : It is a test done by the doctor when the internal hemorrhoids are difficult to diagnose as they are often soft to be felt during the rectal exam. Sigmoidoscopy is done using a small camera around the anal canal area or the lower part of the rectum. Colonoscopy : This is done by the doctor to detect hemorrhoids in cases when the patient is detected with some other digestive disorders, when there is a risk of colorectal cancer, or when the patient has been through colonoscopy recently. In this test, the patient is given medicines before the test to feel drowsy and relaxed. The doctor inserts the camera with a tube into the lower end of the rectum right up to the other end to be able to see the internal parts in the camera for a specific examination. What are some prevention measures for hemorrhoids? There are various ways to avoid getting hemorrhoids, which include these: Sufficient amount of water intake Regular exercise Fiber included in the diet Active life Avoiding constipation Eating moderate food that is easy to digest What are the home remedies to treat hemorrhoids? Hemorrhoid cures and treatment can also be done using popular home remedies, which are as mentioned: Eating fiber-rich food : The regular diet should include fruits, vegetables, grains, and lots of liquids. This will help avoid acidity and will help in smooth digestion. This will also help avoid any injury to the blood vessels in the rectum area. Aloe vera : This is an incredible natural product that is beneficial to mankind in numerous ways, and it is also helpful in treating hemorrhoids. Application of aloe vera will help in reducing the irritation and itching in the rectum area. Sitz bath : This treatment is advised by the doctor to help the patient with hemorrhoids. It involves sitting in warm water for 15-20 minutes for 3-4 times a day to get relief from pain. Cleanliness : The physical practitioner will also give directives to keep the area clean and dry to avoid any further infections. Avoid perfumed or chemical-based products and keep the area dry as much as possible. Soothing wipes : Soft wet wipes can be used to clean and soothe the area from swelling. Stool softeners : In the form of liquids or tablets, these can be advised by the doctor to avoid constipation and help in easy and quick bowel movements, which will help in getting relief from pain. Cold compress : Ice packs or cold compresses to the rectum or anal area will help in relieving swelling and inflammation of the blood vessels. Witch hazel : This can be applied directly to the affected area to help reduce pain and itching.