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4 tips that can help you pick the right investment advisor

4 tips that can help you pick the right investment advisor
An investment advisor can be a game-changer. A capable advisor can help solve most of your financial issues and give you the best investment advice so that you can turn market situations to your favor. But, finding the right investment advisor is not easy. Here are a few things you need to keep in mind while looking for the best investment advisor. Know what type of service you need First, you need to decide what kind of financial assistance you need. Do you need help picking investments? Or are you seeking advice on real estate, retirement, or insurance needs? Asking yourself these questions will help determine the type of investment advisor you are looking for. Nowadays, many people use a robo-advisor, which is as competent as a human investment advisor. A robo-advisor is great for investment management and other basic investments. But if you want substantial transformation in your money-situation, a human advisor is the viable option. Choose a fee-only advisor If you’ve decided to pick a human advisor, the next step is to choose the type of advisor: commission-based, fee-based, or fee-only. If you’re planning something big financially, you must pick a fee-only advisor. Such advisors work for and get paid by other clients like you, so they always act in their clients’ best interest.

5 must-have fashion pieces in 2021

5 must-have fashion pieces in 2021
Fashion is ever-evolving, but some looks never go out of style. From breathable, light apparel for the summer season to quilted jackets and sweater vests necessary to ride out those chilly winter months, popular fashion makes a comeback every year. If you are looking for some fashion pieces that are comfortable yet stylish, you must experiment with the following fashion trends of 2021. Sweater vests Sweater vests are making a stylish entry among the latest fashion trends of 2021. Popular options range from deconstructed vests to oversized duplications across the top fashion and apparel brands. But instead of picking monochrome colors, you can experiment with a bit of texture and detail, especially for oversize vests. As the temperatures continue to drop in the fall season, these sweater vests can very well compliment shirt dresses and turtlenecks. Striped, mélange, and crochet sweater vests look good on most types of dresses and apparel. Return of the 90s The 90s fashion was driven by the concept of mixing and matching colors, patterns, and textures to set fashion trends. From cardigans over shirts to plain white t-shirts under slip dresses, these fashionable combinations have also made a comeback. You can experiment with the accessories.

Top 9 hotspots for flu germs

Top 9 hotspots for flu germs
As cold and flu are highly contagious, it is only natural to want to take preventative measures against these infections. While it is not possible to avoid being exposed to all infection-causing microorganisms, one can take a few steps to lower the risk of contracting diseases. One of them is to avoid traditional hotspots and surfaces where these germs tend to accumulate. So, here are the top traditional hotspots for flu one should know: 1. Hand dryers With every flush, the toilet sprays bacteria-filled droplets into the air, called a toilet plume. These tend to get recycled by standard hand dryers in public washrooms, spreading the bacteria far and wide. Although most suppliers today claim that these machines are fitted with special filters to blow clean air, it may be safer to use regular paper towels. 2. Elevators Elevators, especially their buttons, can become hotspots for flu. As they are rarely wiped down, they keep collecting dust, dirt, and germs, which may cause infections. To stay safe, one can sanitize their hands after pressing the button or use their elbows to select the floor. 3. Gas pumps Gas pumps come in contact with too many users and are exposed to outdoor elements like dust and wind.

7 unhealthy habits that make mattresses dirty

7 unhealthy habits that make mattresses dirty
Mattresses are supposed to be havens of comfort and relaxation. However, due to various unhealthy habits, they can easily become breeding grounds for bacteria, allergens, and unpleasant odors. To create a cleaner and healthier sleep environment, it is crucial to understand the habits that contribute to mattress dirtiness. By addressing these habits and implementing proactive strategies, individuals can ensure that their mattresses remain clean. A well-maintained mattress enhances sleep quality and promotes overall health and well-being. Not using a mattress protector Without a protective barrier, mattresses are susceptible to liquid spills from beverages, sweat, or accidents. These liquids can seep into the mattress, providing a breeding ground for bacteria and mold. Dust mites, attracted to warmth and moisture, thrive in unprotected mattresses. To avoid these issues, it is recommended to invest in a high-quality waterproof mattress protector. This impermeable layer protects against spills and stains, preventing them from reaching the mattress surface. Snacking in bed Crumbs and food remnants attract pests like bed bugs and create an environment for bacteria to flourish. Over time, this can result in unpleasant odors and compromise the mattress’s hygiene. It is best to establish a no-food zone in the bedroom. However, if snacking in bed is unavoidable, use trays or placemats to contain crumbs.

5 common mistakes to avoid while using trash bags at home

5 common mistakes to avoid while using trash bags at home
Trash bags are essential as they help make garbage disposal easier and more efficient. With a trash bag in place, one no longer needs to worry about properly cleaning the trash can daily. Additionally, dealing with garbage odor is easier. That said, trash bags can end up increasing the workload when not used the right way. To ensure that does not happen, here are some common trash bag usage mistakes to avoid. Choosing the wrong type Different colors of trash bags have different purposes. These are used to properly segregate different types of wastes like biodegradable waste, medical waste, hazardous disposables, and recyclables. When people do not dispose of their waste properly, it can cause serious environmental problems when harmful chemicals and medical wastes are left in landfills and start leaching into the ground. Segregating this waste can help in proper management and keep the landfills from further contributing to pollution. Leaving it unsecured Irrespective of the size of the trash bag being used, it can slip to the bottom of the can. Imagine having to fetch the bag and place it back properly every time someone throws something in the garbage can. At times, throwing something in with force might even mean the bag can suffer a tear.

Water purification systems – Importance and benefits

Water purification systems – Importance and benefits
The problem of access to clean and safe drinking water has become a global cause for concern. Although tap water has been lauded as a safe source of drinking water in many cities across the country, it could cause many infections and diseases. Read on to find out more about what could be hiding in tap water and how to get rid of it to take better care of one’s health. What’s hiding in tap water? Tap water can be home to several biological and chemical contaminants, such as the following: 1. Bacteria and viruses Drinking water can contain many bacteria, viruses, and other parasites, which could cause infections and illnesses such as cholera, dysentery, and diarrhea. 2. Lead Lead is one of the most common contaminants found in drinking water. This toxic chemical can leach into the water from old pipes and fixtures as the water flows through. While small amounts of lead are generally tolerable, exposure to too much of it can cause developmental problems in children and increase the risk of cardiovascular and kidney diseases in adults. 3. Chlorine At municipal facilities, chlorine is often added to the water to kill germs. However, this chlorine can interact with other chemicals in the water to form toxic byproducts such as trihalomethanes (THMs) and haloacetic acids (HAA).

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4 key things to consider when choosing a new garden fence

Having a fence around one’s property can serve multiple purposes, such as providing privacy, safety, and keeping away animals or keeping pets inside. Choosing the right fence that is compatible with the house can be a challenging task. Therefore, it is important to take some time to consider the various options available on the market before installing a fence. Moreover, there are several important factors to take into account when selecting a new garden fence. Legal responsibility and planning permission This is one of the most crucial aspects that must be considered before deciding on anything else regarding fence installation. If this issue is not sorted out initially, one may end up spending a lot of money and time in the building and installing the fence, only to cancel everything later on.  Therefore, it is important to understand who would be responsible for replacing or repairing a fence if it is a shared entity between two neighbors. This can be found out through property deeds that provide details regarding which boundaries are the legal responsibility of which neighbor. In addition, it is a good idea to have a discussion with one’s neighbors before starting the work. Also, one needs to figure out whether planning permission is required for the new fence. Privacy and security For homeowners who live in urban or suburban areas, security and privacy are two of the key things they need to consider before building a new fence. If one’s home is on a quiet street with fewer people passing through, an open and breezy fence panel like arched top pailing fence panels may work well. But for those living across busy roads or a locality that has a lot of people and traffic moving around, higher fencing styles such as traditional Close Board Fencing Panels or Waney fence panels should be considered.

10 Designer Perfume Deals to Expect for Black Friday 2023

The much-anticipated Black Friday sale is only two months away, so one can start preparing their shopping list. Besides clothing, appliances, furniture, and other essentials, people with a fondness for alluring fragrances can buy perfumes during this time. Labels like Chanel, Armani, and Bond No. 9 are known to have fantastic offers. Based on last year’s trends and current prices, we’ve listed ten Black Friday designer perfume deals one can expect in 2023. Floral fragrances 1. The Dioriviera by Dior embodies a fresh and fruity fragrance. It’s designed to convey modern and romantic impressions inspired by a rose garden. It also emanates a slight warmness of a pleasant, sunny day. Since the Dioriviera launched earlier this year, it’s hard to say how much it will be discounted for Black Friday. However, last year’s trends indicate premium Dior perfumes like these will likely sell for at least 10% less. Both men and women can use it. 2. Jimmy Choo’s Blossom Eau de Parfum spray was marked down by 50% last sale season. It usually costs $60, but one could pick it up for just $30 at Macy’s. This spray c ombines juicy berries, fragrant florals, and creamy sandalwood, creating a sweet, lively party scent perfect for the holiday season. It comes in a striking fuchsia bottle with a dimpled pattern and diamond-shaped lid. 3. The Armani My Way Eau de Parfum combines floral and woody notes. One of the key ingredients, orange blossom, is extracted from hand-picked bitter orange fruits. This perfume currently costs $155 on the brand’s website. However, for Black Friday last year, sites like Beauty BFF let customers save 30% on Armani perfumes with a coupon code. One can hope such offers repeat in 2023. Fragrances for women 4. The Chanel N°5  Eau De Parfum spray has been around since 1921.

4 benefits of wearing a body shaper

Body shapers or shapewear are undergarments that create a smooth foundation beneath clothes by providing a firm, thin layer of compression. They are often worn to create a smooth silhouette across the bust, hips, waist, and thighs. Shapewear is available in a wide range of shapes, styles, patterns, colors, and types, including body briefs, control camisoles, long-leg shapers, corsets, waist cinchers, and so on. The right shapewear can offer the following benefits: Smoother silhouette Whether one is planning an outfit for a casual day out, party, or a formal event, wearing a body shaper underneath can help elevate the look. The right shapewear can smoothen the seams and hide clothing wrinkles so that the outfit looks well-fitted and sharp. It will give a smoother appearance along with a toned silhouette. Further, aging is a natural process that causes muscles to lose their elasticity and suppleness, making the skin prone to sagging. Here, shapewear can help firm up the appearance of loose skin. Improved posture A full-body shaper that covers the complete torso compresses the body and offers a snug fit. This helps in keeping the back straight and maintaining a good posture. The long-term effect of maintaining a good posture while wearing compression shapewear is that one gets used to naturally sitting, standing, or walking with their back straight, even when not wearing shapewear. This may help in alleviating back and shoulder pain while improving the posture. Helps with sweating Thermal body shapers are special types of shapewear designed to stimulate sweating. These are usually available in the form of vests, pants, shorts, and bodysuits. Most of them tend to focus on the midsection. So, those who do not sweat enough while working out can opt for these body shapers that increase the natural body heat and perspiration around the waist and midsection.

Top 10 Tablet Deals to Explore on Black Friday 2023

Black Friday, one of the most anticipated retail holidays of the year, is right around the corner. This year, it falls on November 24. With early-bird sales and holiday season excitement comes the need for preparation. With each Black Friday bringing with it discounts on everything, from kitchen appliances to phones and tablets, one can add all kinds of electronics to their shopping list. So, here are some tablets worth considering on Black Friday 2023: Slate tablets The slate or standalone tablet is the most traditional variant while also being the most popular option. Here, the gadget comes with a big touchscreen, ranging from 5 inches to 13 inches. While these are usually regular-sized tabs, one may also be able to find mini tablets. 1. On Black Friday, shoppers can expect amazing deals on slate tablets, but one must keep in mind that the prices can differ depending on screen size, features, and other specifications. An already affordable tablet, the Lenovo Tab M8, sold for just $79 at Walmart last Black Friday.  2. Last year, shoppers got a $230 discount on the Samsung Galaxy 14.6-inch tab at Best Buy. This deal is worth following up on this Black Friday. 3. Those looking for affordable Samsung tablets can consider the Samsung Galaxy Tab A8. This gadget carried a $60 discount last Black Friday, selling for just $139. With a 10.5-inch display and 32GB of memory, the tablet can be a great Android option for students. 4. Additionally, Lenovo’s 10.6-inch slate tablet model has previously carried a post-discount price of $139 on the brand’s official website during the shopping season sale. With 4GB RAM and 128GB storage, this tablet is great for students and professionals, making it worth considering this shopping season. 5. The Lenovo Yoga tablets have previously sold for $319.99 during the holiday season.

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Black Friday 2023 – Top 10 Smartphone Deals to Watch Out For

Black Friday 2023 – Top 10 Smartphone Deals to Watch Out For

Even during non-festive periods, smartphones sell like hotcakes in online and offline stores. Most tech enthusiasts routinely feel the need to get their hands on the latest models of their favorite smartphones. With Black Friday 2023 still several weeks away, shoppers can check out the features of their favorite smartphones. All the estimated deals listed in this article are based on the existing retail discounts, and buyers can expect similar bargains this Black Friday. High-range smartphones 1. Different variants of Apple’s iPhone make up the top 4 of the bestselling smartphones in the country. On many retail sites, devices such as the Apple iPhone SE 5G are being sold with discounts that range from about $200 to $250. This means that there is a high percentage chance that similar or better deals will likely emerge for such devices when Black Friday looms closer. The Apple iPhone SE 5G offers fantastic features such as lightning-fast processors, 5G connectivity, 4K video recording capability with 60 FPS, the unique Dynamic Island display, IP67 water resistance, and many more. 2. Samsung’s Galaxy devices come second in the sales pecking order after Apple’s iPhones when it comes to the smartphone market leadership. With the presence of Black Friday looming on the horizon, users can expect great deals on their favorite Galaxy smartphones. For instance, the Galaxy Z Fold 5 is available on many retail sites with existing discounts ranging from 10% to 15%. Shoppers may possibly find such (or better) discounts during the upcoming sale period. The Galaxy Z Fold 5 is a one-of-a-kind foldable phone packed with incredible features such as a massive display, dual-app viewing, immersive gaming experience, super AMOLED screens, and many other niceties. 3. A device that is likely to offer massive discounts during Black Friday is the Google Pixel 7.
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10 Incredible Black Friday Deals to Expect on Laptops in 2023

10 Incredible Black Friday Deals to Expect on Laptops in 2023

Laptops combine the power of desktops with the portability of smartphones, making them suitable for several tasks. But this is also why they tend to be pricey. Unsurprisingly, many wait for sales like Black Friday to buy the model of their choice. Below are ten types of laptops and the Black Friday 2023 deals one can expect on them in the coming months. The discounts listed are based on last year’s sale and current prices. 1. Dual-screen laptops Unlike older dual-screen models, newer ones are much more efficient and non-gimmicky. They have secondary displays with anti-glare capability that perfectly complement the primary screen. A great option is the ASUS Zenbook Pro Duo UX581. It comes with a 15.6-inch 4K UHD NanoEdge touchscreen glossy main display, a cutting-edge Intel Core i7-9750H Quad Core Processor, and a 14-inch 4K matte touchscreen for seamless scrolling and usability. Last year, Amazon sold specific variants of the Zenbook Pro Duo for a discount of 15% in the run-up to Black Friday. 2. Gaming laptops Gamers need laptops that are responsive, less prone to overheating, and armed with high-end graphics cards. In short, they seek devices that will not leave them high and dry in the middle of a high-octane, graphics-heavy game by being laggy and annoying. Thankfully, several gaming laptops tick these boxes, an example being Lenovo’s IdeaPad Gaming 3. The device has incredible features, such as the latest AMD Ryzen 6000 Series processors, GeForce RTX 30 Series GPUs, and Rapid Charge technology to boost battery by 40% in just 15 minutes. Amazon reduced the price of specific IdeaPad Gaming 3 models by $300 last Black Friday, so gamers can hope for similar savings in 2023. 3. Chromebooks Those who prefer the ultra-reliable Chrome OS can check out Acer’s Chromebook 315. It has a powerful Intel Celeron N4020 dual-core processor, a full HD IPS touchscreen, and over 12 hours of battery life!
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